text:
Co-working spaces nurture growing entrepreneurs
Editor's note: The following is part of the Business Matters special section.
Walking room was hard to come by in New Leaf, a space on the third floor of the State College Municipal Building, on Jan. 14.
It was Hacky Hour night, combined with a New Year's member mixer for the space.
Held from 5:30 to 8 p.m. Thursdays, the weekly Hacky Hour draws everyone from amateur developers to the founders of local tech companies.
West Arete President Scott Woods came up the concept for Hacky Hour — a time for people interested in technology to get together and learn from each other. His company develops custom software.
"We've always invested time helping people to learn how to program or helping entrepreneurs and startups get off the ground, so we're actually on the path to become a B Corp. in 2016," Woods said. "The work we did with New Leaf was tied in."
Woods supported New Leaf's founders when they searched for spaces in the community.
"Every time I went in to visit, I'd meet the most incredible people in there," he said.
So, he became a part of it.
"For years we had the State College Ruby Group, but most people didn't know about it," Woods said. "We came up with Hacky Hour to get programmers together to learn and share things they're working on. We've grown by teaching programming, which can also help us learn more. What matters is getting sharp people together and creating new things from different cultural, personal and professional backgrounds."
The Thursday evening meetings, he said, have been the inspiration for projects and the connection some people have needed to land a job.
Other co-working spaces in town like co.space and The Make Space also offer unique opportunities.
Changemakers live in the co.space house, located off East College Avenue in the Highlands neighborhood, to form a group of people interested in making positive change in their community.
Co-founders Christian Baum and Spud Marshall, who also founded New Leaf, have lived in the co.space house with dozens of other students and young professionals.
"To date, people get this confused, because 'changemaker' is still a new term," Baum said. "I'm happy about that, until people tarnish it. No one knew what co-working meant. People think we're sustainability focused, no. They think we're entrepreneur focused, no. When we started, we found leaders of Thon, of Penn State, of the community."
It has similarities to New Leaf and The Make Space, but people live in co.space — 20 to be exact — every year. The home opened to changemakers in 2014.
Those who want to join have to apply and be selected.
"If a student comes to us and aspires to have a million dollar business, that's great, but how can we take that and see the social purpose in it?" Baum said. "Rather than make a lot of money, maybe you can provide a lot of jobs, stability. It can be anyone, too. They don't have to create a company. We have guys, we have girls, designers, leaders, a real wide range of people. If we didn't have diversity, it would be a pretty cut and dry thing."
Co.space members get a journal when they join, a tool that helps them focus on their personal, professional and project journeys.
"We try to look at the road with them in little segments in the house, so when they do leave, people have learned to identify what they want and need in life and how to take the resources around them to accomplish it," Baum said.
Several entrepreneurs have been through the house, but so too have people with backgrounds in sociology, engineering and abilities advocating.
It's a purposefully mixed group.
"There are usually one or two tech people, one or two art, so it really is a lot of people with different backgrounds," Baum said. "Spud and I are there to help them with whatever they're doing. It's them identifying what's next and us pulling those resources together for them."
GreenTowers co-founders Dustin Betz and Jared Yarnall-Schane have lived in the house. So too has SmartPurse founder Nicole Kelner.
Co.space has been so successful that Baum says about 70 groups of people from other cities are interested in the concept.
"Your happiness is way more important than anything else," Baum said. "You've also got to be willing to try, pivot, fail and if you're not getting anywhere it's OK to move onto something else. You can always go back and try to do it again."
The co.space, he hopes, also changes some people's perspective of success.
"The way the tech industry can rub me the wrong way is with the expectation that it needs to be Apple or Google or this huge thing," Baum said. "That doesn't mean the people who did those things are happy or that they're worth anything. You might get a big investment, but whoever gave it to you then might own most of your company, and you might be lucky to walk away with a dollar."
"The thought that you're somehow not successful unless you're big is wrong," he added. "A very small fraction of people ever get there. You could have 10 employees, do incredible things and be happy without the billion dollar company. How entrepreneurship got labeled with that is frustrating."
The Make Space
It is open to all, though not everyone would fit.
If there is something The Make Space member John Stitzinger could add, it would be the size of the space.
It would be nice, Stitzinger said, to have more room in the cozy workshop, if only to give a startup or two a 10-by-15 foot space all their own. Even without that added luxury, The Make Space gives everyone with a creative bone in their body a chance to innovate.
The space has 3-D printers, a laser cutter and computers. It has drills, hammers and every tool you could want to create something.
"We have many tools that have been loaned to us — a circular saw, hand tools, all the basics in electronics — everything," Stitzinger said. "If you want to make something mechanically, electronically, you have the resources you need right here. We're ambitious and want to cover everything people could want."
It is run by volunteers, some of which organize free classes on technologies, and is used as a meeting space for clubs like the Technology, Philosophy and Society Group.
"We get whole mix of people, a great mix from our tech community," Stitzinger said. "When you get so many people together, they start thinking outside the box and can do great things."
The Make Space is a tucked-away haven for those interested in building and collaborating things. It's a hidden gem at 141 S. Fraser St. for creative people, whether they're young amateur craftsmen or retired professionals.
It's less of an unintended secret than it was during 2011, the year InnoBlue founded it.
Maker's Week, an event in September, drew new faces.
"We partnered with the library and Discovery Space," Stitzinger said. "We got to share with a lot of people what we do and to show them what a cool resource our community has."
New Leaf
There's a sort of stereotype that comes with co-working spaces, according to New Leaf Executive Director Galen Bernard.
"At times when someone hears 'co-working space,' there's an assumption that we are exclusively technology," he said. "Part of our message has been that we are actually here to serve a diverse population. The ultimate idea is to help people."
Flashback about a year ago in New Leaf's third-floor space in the State College Municipal Building.
The temperature dropped into the single digits when about 30 people showed up for New Leaf's five-year anniversary celebration.
Several people stood, while about 30 more sat at tables, waiting for a piece of dessert.
Those in the room included a Penn State Small Business Development Center consultant Linda Feltman, marketing major Victoria Babb and two accountants who just finished a day at work.
Bernard was in a meeting room nearby, describing who uses New Leaf.
"I came here in May and saw a desire among so many students, young adults, older generations and local, key community members to do work that mattered to them — meaningful work, meaningful learning — but they were looking for the how," Bernard said. "New Leaf does things to better equip and connect people seeking to create positive change in the community."
Businesses including the Centre Daily Times have held meetings at New Leaf — a space that is a continually growing hub of opportunity to get work done, have meetings, meet strangers, build your network and collaborate no matter your background.
"Inspire, equip, connect," said New Leaf Chairman Todd Erdley.
There are some spaces of New Leaf that tech people have found particularly helpful.
"One of our newer features that I think tech people like is our 'ideation room,' " Bernard said. "It's designed to take through the steps of ideating something. It's a process used by Apple and Google, and a lot of people have found it really valuable."
New Leaf has already been the venue where some local startups have been brainstormed.
"A lot of people don't know OrderUp was started here," Bernard said. "They ran out of here for several years."
Still, New Leaf, like the other co-working spaces in town, could be for anyone.
Shawn Annarelli: 814-235-3928, @Shawn_Annarelli


text:
After the one-on-one meeting, President of the Republic of Azerbaijan Ilham Aliyev and Prime Minister of the Islamic Republic of Pakistan Muhammad Nawaz Sharif have held a meeting in an expanded format.
President Ilham Aliyev said:
Dear Mr. Prime Minister,
Dear guests,
I would like to welcome you in Azerbaijan. We are very pleased that Mr. Prime Minister is today on an official visit to Azerbaijan. We met in the beginning of this year in Davos and had a very good meeting and conversation, once again confirmed the strategic substance of cooperation. And today the official visit of the Prime Minister of Pakistan shows that we are continuing very close cooperation between our countries.
Pakistan for us is one of the closest friends and we want to develop relations in different areas. We have very close political ties. We discussed with Prime Minister that the level of political cooperation is very high.
We need to strengthen our economic cooperation, cooperation in the areas of investment, stimulate mutual trade to concentrate on humanitarian issues and to have a very broad and very efficient cooperation. We support each other on all the international issues. Azerbaijan always supports Pakistan on the issues related to Kashmir and Pakistan always supports us on the issues related to Nagorno-Karabakh settlement, and in all the international organizations we are together. Today's visit of the Prime Minister is a good opportunity to review what has been done and also to plan for the future.
I wish you very pleasant visit, Mr. Prime Minister. Thank you for accepting my invitation and visiting Azerbaijan today. Welcome once again.
Prime Minister of Pakistan Muhammad Nawaz Sharif said:
Thank you, Mr. President, first of all, I'd like to say how honored we are to visit your beautiful country. We are very-very happy to see Baku. Baku transformed into such a beautiful city in the last decade or a decade and a half, less than fifteen years' time. It is remarkable. As I mentioned I was in Baku in 1998. So it's a matter of a personal privilege to be on an official visit. Please accept my gratitude for the warm welcome that has been accorded to me and members of my delegation in this beautiful city. At the outset, please allow me to convey our heartiest felicitations and best wishes to you and the people of Azerbaijan on the National Day which is on the 18th of October.
I must say, Mr. President, that the people of Pakistan highly appreciate the vision of your distinguished father, the late president Heydar Aliyev, and admire the progress and development of brotherly Azerbaijan under your wise and deft leadership. The progress achieved by Azerbaijan over the past quarter of a century has been remarkable.
The development and success of Azerbaijan is a matter of pride for all Muslim countries and a role model for many developing countries. I must say that since yesterday we have been very impressed and I said this categorically to Mr. President that I have never seen such a clean city in the world. Maybe if I am forgetting I have seen one, but this is surely one of the cleanest cities that I have ever visited. Thank you once again.

subset: commoncrawl


text:
2016 Election: Maybe it's because she has gotten away with it for so long, but Hillary Clinton seems to get more brazen in her mendacity as she gets closer to the White House. Case in point is her interview with Chris Wallace on Fox News over the weekend.
At one point, Wallace asks Clinton about claims she made about her use of a private, unsecured email server while secretary of state, which the FBI investigation determined were completely false.
Wallace shows clips where Clinton says things like: "I did not email any classified material to anyone," and "I never sent nor received any information that was classified at the time," and "I had not sent classified material nor received anything marked classified."
Note the subtle change in language between the first and last claim, which Clinton had to modify after thousands of emails turned up that the State Department determined to contain classified information.
But it was all a lie. As FBI Director James Comey pointed out at his press briefing, out of the 30,000 emails Clinton turned over, 110 contain "classified information at the time they were sent or received. Eight of those chains contained information that was Top Secret at the time they were sent." (Emphasis added.)
Among the thousands of work emails Clinton failed to turn over -- despite her repeated statements that she had turned over everything -- "three were classified at the time they were sent or received."
When Comey testified at a Congressional hearing about his findings, Rep. Trey Gowdy asked him point-blank where Clinton was being truthful in her claims. "That's not true," he said.
So what was Clinton's response when Wallace confronted her with her own quotes, as well as Comey's statement?
"Director Comey said my answers were truthful," she told Wallace.
Let that sink in for a minute.
Her lie was so blatant that even the Washington Post's in-house fact checker awarded Clinton "Four Pinocchios" -- aka "whoppers."
In her interview with Wallace, Clinton went on to blame the 300 people she emailed with, some of whom, she said, "made the wrong call" when it came to handling classified material.
But Comey had blown up that defense as well, saying at his press briefing that she and anyone in her position "should have known that an unclassified system was no place for that conversation," adding that "even if information is not marked 'classified' in an e-mail, participants who know or should know that the subject matter is classified are still obligated to protect it."
In other words, one of those people who "made the wrong call" was Clinton herself, since she authored some of the classified emails she sent from her unsecured private email server, and should have known better. Her statement to Wallace that "I take classification seriously" looks like just another lie.
Clinton defenders will no doubt respond to this by saying that "At this point, what difference does it make?" The FBI let Clinton off the hook. Only her Clinton-hating Republicans critics won't let it go.
But criminal or not, Clinton's actions when she was secretary of state -- and her lies and obfuscations about it since -- are about judgment, honesty and trustworthiness, which are baseline qualifications for being president.
As she demonstrated again over the weekend, Clinton glaringly lacks any of these qualities.
What's The Latest News On The Hillary Clinton Email Scandal?


text:
Handbook of Qualitative Research in Education
Edited by Sara Delamont
Chapter 25: Autoethnography
Peter de Vries
Peter de Vries DIALOGUE BETWEEN SELF NOW (PETER2010) AND SELF THINKING ABOUT UNDERTAKING A PHD (PETER1996) Peter2010: So you're thinking about doing a PhD are you Peter? Peter1996: Yes Peter, I am. Peter2010: On what topic? Peter1996: Me. Peter2010: You? Peter1996: Yes, me. Well actually about me as a music teacher. Peter2010: Why would you do that? Peter1996: To learn more about my practice as a teacher and to learn more about me. And I guess for other people – other teachers, educators, parents – to understand how difficult, how isolating and how important this job is. Peter2010: Oooh, you're sounding a bit political there. Peter1996: Yes, there's a lot of misunderstanding about what music teachers actually do and the kinds of dilemmas we face which are unique to being a primary school music teacher. Peter2010: So it sounds like you want to conduct an autoethnography. Peter1996: I do? Peter2010: I think so. I mean, you like to write – you've published poetry, short stories, even a children's book. Peter1996: True. But how is that related to a PhD and to autoethnography? Peter2010: Autoethnography embraces writing that moves beyond the confines of academic writing. Autoethnographers write poetry, short stories, conversations with themselves like the one we're having right now, play scripts, you name it. It's about being a boundary-crosser (ReedDanahay, 1997) – and one of those boundaries us autoethnographers cross are the boundaries of writing genres. Peter1996: Okay, but you still haven't told me what autoethnography is. Peter2010: Well it's not that easy. Like...
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text:
1.4/5 (18 users)
My Rating
By Square on the Hypotenuse(24 Aug 2010)
Bachelor Party is a very vulgar movie, with almost all the scenes having something or the other adultery stuff's. Dirty jokes, naughty dialogues, offensive actions, double meaning stuff's and all of that masala which needs to make a perfect adult movie. But don't worry guys, you will not find any kissing scenes, no such love making scenes, and not even a single thing which looks a perfect vulgar movie. And that's what Mr. Ishaan Trivedi, the Director of 7 ½ Phere (2005) made me impressed.The film is only a one time watch who are ready to face any funniest adultery stuff's like movie with ever known of your favorite artists acted inside the film. Though it's a onetime watch, there are many sub parts in the film which are not at all funny and you will just yawn in the scene, but there are also some sub parts which are very funny in its own way.
Copyright 2010-2013: Gomolo. All Rights reserved. | Terms | Privacy


text:
Devon Miller-Duggan
simply because waves break there
Contradiction as land below sea-level—roads and houses
and a man steps in front of a car to die without meaning to.
Narration scrawls the shallow tray of swamps and clay where I live
and my son watches a man step in front of a car to die
without intent, no more intent than the car or the woman
who was not at fault or the flat-ribboned sky of winter laid
across the horizon or the work of the day toward which the
three humans moved. Man, woman, man, and no meaning.
She was only doing 40.
Distinction consists of salt marshes' blue waters like the sky's mirror,
brown-black semi-earth, grasses' stillness or rustling, and
slant-light-breaking sky. The state's surface laid open.
Sky. Birds. Mouth of a river so broad there is no other shore to name
except you know its name already, as you know it for a river by its
unrolling surface. Man, woman, man—no shore for any to pull
the small boats their lives onto.
Valediction—my son stops and calls for help, waits. He is neither the man,
the woman, nor the machine for driving or healing. Flat road remains
flat. This is my state.
Fiction = The man crossed to the hoped-for shore. The woman arrived at work,
and worked the whole day unwounded. The flat seaboard of their states
filled with clear water. Mountains rose, offering shelter.
My son dreams flying. Dreams neither blood, nor broken glass.
Devon Miller-Duggan has published poems in Rattle, Shenandoah, Margie, Christianity and Literature, and Gargoyle. She teaches Creative Writing at the University of Delaware. Her books include Pinning the Bird to the Wall (2008), Neither Prayer, Nor Bird (2013), and Alphabet Year (2017).


text:
eBook (PDF), 113 Pages
Price: $4.70
In the middle of the night women go missing from inside their own homes. Each womans house looks as though their has been some kind of struggle; but there appears to be no evidence apart from the fact that each woman is missing. Detctive Paul Harper is dragged in to the investigation when Mia Ramirez; a woman with whom he has a history, calls him and reports her sister missing. As they investigate Mia's sister's disappearance more women go missing. Could there be a link between these women and the person who is taking them? Just as they get closer to finding out the truth; bodies start to appear. Now it is a race against time to find out the truth and rescue the remaining women.
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Product Details
- Copyright
- Cazia Jackson (Standard Copyright License)
- Published
- September 28, 2011
- Language
- English
- Pages
- 113
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- Product ID
- 17410896
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text:
During EGCF 2012, IGE and EMI signed a Memorandum of Understanding (MoU) with European Middleware Initiative (EMI). The EMI project is a close collaboration of four major middleware providers, ARC, dCache, gLite and UNICORE and plans to deliver a consolidated set of middleware components for deployment in EGI, PRACE and other DCIs. More information on the EMI project is available online here.
"We are glad to have this MoU now completed ", says Dr. Helmut Heller, project manager of IGE, "and are looking forward to a successful cooperation with EMI." The MoU defines specific set of activities to be carried out during the collaboration:
News & Events > News >


text:
Heart Disease Channel
Related Channels
Fenoglide Drug Interactions
If you take Fenoglide with medications such as statins, bile-acid sequestrants, or cyclosporine, drug interactions may occur. These interactions could increase your risk of certain problems (such as severe breakdown of muscle, kidney failure, or bleeding) or prevent Fenoglide from being absorbed into the body. To help prevent drug interactions with Fenoglide, make sure to tell your healthcare provider about all other medications you are taking.
Fenoglide® (fenofibrate) is a prescription cholesterol medication. It can potentially interact with a few other medications. Some of the medications that may lead to interactions with Fenoglide include:
- Bile-acid sequestrants (also known as bile acid resins), including:
- Cholestyramine (Prevalite®, Questran®, Questran® Light)
- Colesevelam (WelChol®)
- Colestipol (Colestid®)
- Colchicine (Colcrys®)
- Cyclosporine (Gengraf®, Neoral®, Sandimmune®)
- Statin cholesterol medications, such as:
- Atorvastatin (Lipitor®) or combination medications that contain atorvastatin (Caduet®, Liptruzet™)
- Fluvastatin (Lescol®, Lescol® XL)
- Lovastatin (Altoprev®, Mevacor®) or combination medications that contain lovastatin (Advicor®)
- Pitavastatin (Livalo®)
- Pravastatin (Pravachol®)
- Rosuvastatin (Crestor®)
- Simvastatin (Zocor®) or combination medications that contain simvastatin (Juvisync®, Vytorin®, Simcor®)
Fenoglide Medication Information
Written by/reviewed by: Kristi Monson, PharmD; Arthur Schoenstadt, MD
Last reviewed by: Kristi Monson, PharmD


text:
This year's European Inkjet Conference 2015 and supporting programme will be held at the Novotel Amsterdam City in Amsterdam, The Netherlands.
The Novotel Amsterdam City is a 4 star hotel in the centre of Amsterdam's business district close to the RAI Congress Center and the World Trade Center. The city centre and Schiphol Airport are 15 minutes away by tram, subway or train from "RAI" station, which is a 3 minute walk from the hotel.
Special room rate
We have negotiated a special room rate:
Single occupancy €139 per room, per night
Double occupancy €159 per room, per night
Rates include breakfast and taxes and exclude 5% city tax. The special rate can be booked until 9th November 2015.
How to book your accommodation
To reserve your accommodation please use the link to the Accor booking page which is already pre-filled with the hotel code and discount code.
Alternatively download this booking form.
Cancellation Policy
You can cancel your reservation free of charge until 7 days prior to arrival.
For cancellations between 7 and 3 days prior to arrival the hotel will charge 1 room night.
Any cancellations made within 3 days prior to arrival, the hotel will charge 100% of the expected costs - this includes no shows, late arrivals and changes made during your stay.
By Road
- Ring road Amsterdam A10/RAI
- Exit RAI (S109)
- 122 hotel parking spaces for guests, (subject to availability), cost €4,50 per hour (1st hour free of charge), €22 per day
By Air from Schiphol Airport
- Local train in direction: Lelystad or Hilversum
- Get off at station RAI (2 stops)
- Take the exit to the right under the bridge
- 3 minutes walk to Novotel Amsterdam City
Novotel Amsterdam City
Europaboulevard 10
1083 AD, Amsterdam
Tel: +31 020 431 3699
Fax: + 31 020 646 2823
Email: email@example.com
By Train
- Metro 51
- Get off at station RAI
- Take the exit to the right
- 3 minutes walk to Novotel Amsterdam City


text:
International journalists may be barred from accessing much of Syria, but those experiencing the conflict first-hand continue to find ways to bring images of the fighting and hardship to the outside world. Syrians are sharing their struggles via videos posted to YouTube and social media sites. Here, GlobalPost shares the videos found on Twitter, YouTube and more.
Video by AbdoDumani. Posted July 17, 2012.
The video shows troops and at least one tank heading south down a main highway into the center of Damascus. According to The New York Times, YouTube user AbdoDumani has posted several videos in the past, however the timestamp of the video could not be confirmed. The location of the video has been confirmed.
Video by talbisah uploaded July 18, 2012.
The video shows something being dropped from a helicopter causing a large explosion. According to Reuters, activists said helicopters fired rockets at the central Midan district, the suburb of Kfar Batna and the Palestinian Yarmouk camp on the southern edge of the capital, adding that helicopter mounted machine guns were used against the nearby district of Hajar al-Aswad. The videos location cannot be confirmed.
Video by activists obtained by CNN, uploaded July 17, 2012.
CNN obtained a video by activists who reportedly had to sneak into Damascus. Once there, CNN reported that the activists were able to take video of what they called a "massacre."
Video by Souria2011archives, uploaded June 18, 2012.
This video reportedly shows Syrian refugees celebrating in Turkey after hearing of the Damascus bombings. The location of the video could not be confirmed.
Livefeed video by UStream user mnsor-m. Taken July 16-18, 2012, aired on Al Jeezera same day.
The man taking this video told The New York Times his name is Jacob Hosein. The Times confirmed the location of the video to be Midan, a neighborhood of Damascus.


text:
Barcode Discount › Ethernet Switch › Ubiquiti Networks UniFi Switch PoE 24/48 › Ubiquiti Networks US-24-250W
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text:
LTDC development initiatives undertaken in the Matsoku and Bokong Community councils
Over the years there have been concerns about the inhospitality, negativity towards foreign visitors by the host communities at different parts of the kingdom. These attitudes are attributed to the lack of understanding of the full potential of the benefits engendered by tourism. In an effort to root out this behaviour, the Lesotho Tourism Development Corporation (LTDC) routinely undertakes public awareness campaigns; the public awareness campaigns are largely an issue of educating members of the community about the value of tourism. The corporation also encourages community participation in tourism related activities and businesses which saw the initiation of tourism development committees within Matsoku and Bokong Community Councils in the Leribe district.
The committee is made up of various stakeholders consisting of Teachers, Chiefs, Community councils, Lesotho Mounted Police (LMPS), culture and heritage, pony trekking, artisans and tour guides members. The main mandate of the committee is to catalyse tourism development in these areas.
Thus, the corporation in collaboration with Ministry of Tourism Environment and Culture, LMPS and the Tourism development committee undertook a community awareness campaigns at Ha Seshote and Ha Ntšeli in the Leribe district. The event was attended by community at large including traditional herdsmen, herd boys, youth and community council's representatives. Among issues discussed include the importance of everyone's roles as tourism ambassadors and sustainable tourism development. A commendable participation by the youth, taking part in discussions was noted.
The Public Relations Manager of LTDC Manchafalo Motšoeneng said every member of the community has a role to play in enhancing tourism in their locality. The manager advised the community to protect and preserve the environment in order to attract potential tourists and for future generations to benefit from tourism and attractions within the area. "Our vision is to see full participation of communities around the Matsoku area in tourism development initiatives that will mature to become big tourism projects", the Public Relations Manager (LTDC) noted. The Manager eloquently narrated a sample tourism model which portrays and showcases how each of the tourism element operator (including tour guides, crafters, story-tellers, historians to mention a few) can contribute to ensure that Matsoku tourism product offering encourages visitors to stay longer in the area.
During the same occasion Assistant Tourism Officer- Nqheku Matolo advised the community to invest in rural homestays and other tourism activities. Matolo said. The communities of Ha Seshote and Ha Ntšeli are very lucky as they are strategically located en route to a renowned Katse Dam. Matolo reiterated that Lesotho is fortunate to possess prosperity of tourism resources, such as breath taking scenery and exceptional cultural identity; features which captivates the traveler" all is needed is to providently optimize these assets to generate income for our families explained Matolo
The Manager of Bokong Nature Reserve (MTEC) Ms. Mantoa Moiloa appealed to the community to preserve medicinal plants and the rare wild life and birds that inhabits our beautiful Kingdom in the Sky. In recent years our indigenous plants and animal species have been gradually diminishing ,if we don't use our plants sustainably and continue to kill our wild inhabitants that will be unfortunate for future generation as we would have failed them notified Moiloa. Moreover, the Bokong Nature Reserve avails an opportunity for locals residing in neighbourhood to send their products to be sold to tourists and no fee is charged for providing this service concluded Moiloa. On the other hand, the Police also urged members of the community to refrain from any form of harassment of tourists. He further encouraged parents to sensitise their children about the importance hospitality as well as repercussions in the event of violation of the law or engagement in inhospitable behaviour.


text:
Housing News!
Housing News!
CBS History CBS News Contact Us From the Executive Director
Service Options Service Philosophy
Due to the recent flooding in Waverly, CBS is having to make some difficult choices. Our Jill Apartment building was a victim of the high water and we were forced to evacuate all 8 apartments. Beginning in October of 2008 all of these individuals moved into our new eight-plex apartment, Waverly Place. We are currently working with contractors to look at renovation opetions for the Jill Apartments. It looks as though the Jill Apartments will be "re-born" as a four-plex when all the plans, construction, and moving is complete.
Currently, all our housing options are filled to capacity and we continue to maintain a waiting list for these properties.
While we are waiting for the pictures to become available on this page, we have attached PDF files of the layouts of the One and Two bedroom apartments as well as for the duplex. If you have any questions or would like to schedule a tour please call Mike at 319-352-2990 or go to the Contact" page of this site and send him an e-mail.
New 8-Plex One Bedroom Apartment
New 8-Plex Two Bedroom Apartment
New Duplex


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Platform Bed Buden
This platform bed is made from bamboo, a very sustainable wood with a beautiful grain. Its design is low, with a slight separation from the ground to give the appearance of floating. The base is sized just larger than the mattress so the mattress sits flush with the edges of the base for a light, sleek look with no wasted space. It also comes with an optional cut out for storage at the foot of the bed. The headboard comes standard and provides a very usable space to set items on, as well as optional drawers that sit flush for minimal visual impact when closed. The price for this platform bed is $1500 without headboard and $2000 with headboard, and you can get it from here.


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Hi There! Is this Your First Time?
Did you know if you Register you have access to free search tools including the ability to save listings and property searches? Did you know that you can bypass the search altogether and have listings sent directly to your email address? Check out our how-to page for more info.
- Price$199,900
23 Oxford Dr, Hilton Head Island
Over 1/2 acre lot on the estate street of Wexford. Also lot 25 next door is available for sale. A great chance to own side-by side lots in Wexford for added privacy. The outstanding amenities of exclusive Wexford Plantation make it one of the premier private gated communities in the Southeast, including its featured 37.5 acre lock controlled harbour and marina, Arnold Palmer golf course, spectacular tennis center, 24-hour private security, newly expanded and renovated harbour front clubhouse and pool, basketball and croquet courts, playground, bike paths, and manicured common grounds.
Essential Information
- Price$199,900
- Bathrooms0.00
- TypeLand / Lots
- Sub-TypeFull
- StatusActive
- AmenitiesClubhouse, Comm Dock, Comm Pool, Community Tennis, Deep Water Access, Golf Privileges, Marina, Sec Gate/Guard
- ViewLagoon
Listing Details
- Courtesy of RE/MAX Island Realty
Community Information
- Address23 Oxford Dr
- AreaWexford
- SubdivisionWexford
- CityHilton Head Island
- CountyBeaufort
- StateSC
- Zip Code29928
- Legal AddressWEXFORD W
- Lot Description0.62, 1/2 to 1 Acre
We do not attempt to independently verify the currency, completeness, accuracy or authenticity of the data contained herein. It may be subject to transcription andtransmission errors. Accordingly, the data is provided on an "as is," "as available" basis only and may not reflect allreal estate activity in the market. © 2019 Multiple Listing Service of Hilton Head Island, Inc. All rights reserved.Certain information contained herein is derived from information which is the licensed property of, and copyrighted by,Multiple ListingService of Hilton Head Island, Inc.


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all kinds of tin sign, posters, vintage colocks, shiny led signs...... Decorate your home, bar, restaurant, coffee shop, KTV....... For Shipping, we will use the four expresses: UPS, FEDEX, DHL and TNT. The delivery time are all about the same and it is 5 working days.Visit Store >
US $2.27 - 7.2 / Piece
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Type: tin
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1. Shipping cost: Click "Shipping and payment" tab on the product detail page, and you will see the delivery details. You can calculate shipping cost by inputting the required information.
2. Time in transit: Transit time varies with different shipping methods.
3. Item Processing Time: The processing time for a specific order varies with the product type and stock status. Mostly, processing time can be 3 to 15 working days.
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Seller: luckyaboy
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US $22.89 / Piece
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US $4.93 / Piece
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List most recent or present employer first.
Please list, in order of attendance, educational institutions attended after high school.
At least two employers or supervisors.
Click the browse button below to locate and select your resume in digital format on your computer to attach it to this online application.
Access SacramentoColoma Community Center • 4623 T Street, Suite A • Sacramento, CA 95819-4743Phone: (916) 456-8600 • Fax: (916) 451-9601E-mail: email@example.com
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We are grateful for your donation and support of our organization. If you have made an error in making your donation or change your mind about contributing to our organization please contact us. Refunds are returned using the original method of payment. If you made your donation by credit card, your refund will be credited to that same credit card.
Ongoing support is important to enabling projects to continue their work, so we encourage donors to continue to contribute to projects over time. But if you must cancel your recurring donation, please notify us.


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More in this Section
We have this vision of immigrants arriving by ship, seeing the Statue of Liberty and landing at Ellis Island to start their new American lives. But thousands of people never made it that far. Instead, they were detained at Swinburne and Hoffman Islands, two tiny islands in our harbor that were used as quarantine islands from the 1870s until the 1920s.
According to Professor James Colgrove at the Mailman School of Public Health at Columbia University, ships coming into New York harbor would be stopped before Ellis Island.
Read the article and listen to the accompanying WNYC segment.


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An estimated $20,000 worth of merchandise was stolen overnight from a high-end shoe store in Chicago's Gold Coast neighborhood, police said.
Witnesses told police they saw two men pry open the door of Jimmy Choo, 65 E. Oak St., around 1:45 a.m. while another man waited in a getaway car.
Police News Affairs confirmed the men got away with multiple items from the store. Sgt. Larry Langford said sledgehammers were used to break display cases.
The whole heist took about four minutes, he said.
"It's unfortunate we got broken into," said Steven Speaks, vice president of Finance for Jimmy Choo NY. "The good thing is no one was hurt."
"It's unbelievable how something like that could happen in a neighborhood like this," said Oak Street shopper Sharon Boeve.
Video of the scene showed shattered glass from the door and scattered debris.
The incident marks the latest robbery or attempted robbery in the upscale neighborhood. Last month, a nearby American Apparel store was burglarized, and on Black Friday, a woman was chocked, knocked down and robbed of her purse on East Erie Street.


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Trust me, they'll hear you. Easy-to-use Air Horn is a must for all marine applications. But unlike "canned" horns that are only good for a few decent blasts before sputtering out, this Horn from Shoreline Marine will NEVER "go flat."
That's because the air is supplied by you , instead of a sealed aerosol container. Just depress the plunger at the base, and let loose with an unmistakable "comin' through" that's impossible to miss. It's also easier on the environment!
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Act now!


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Forex Trend Strategies
Traders that are looking to make consistent profits in the forex markets have a few different strategy options in front of them. For example, many traders like to focus on news events as they can create enhanced market volatility which can create very quick profits in a very short amount of time.
Other strategies like Range Trading or Swing Trading have also become very popular with trades. Of course, all of this depends on the amount of time that you can devote to your daily trading. If you are not able to actively monitor your trading station when positions are open then these strategies are probably not the most appropriate for you.
Long Term Strategies
Of course, these are not all of the options that are currently available for active forex traders. One of the most popular strategies in the history of the forex markets is Trend Trading, and this is something that has been used to generate significant profits for decades.
According to recent market reports from FiboGroup Holdings LTD, strategies that are focused on trend-based analysis have gradually become more popular and successful over time. This is significant because it means that even though trend based trading has been around for a very long time, traders are still finding merits in these methods.
In short, trends are defined as a series of higher highs or lower lows. In most cases, traders will look for a sequence of three highs or lows before a clear trend can be said to be in place. Without this, trend trades should generally be avoided because it is unlikely that there is sufficient momentum left in the market to generate strong gains for the position. This would not be the ideal scenario, so it is always important to keep a set of strict rules in place before you actually most to establish new trend-based positions.
On the positive side, trend trades generally tend to be successful because your position in inline with the majority of the market sentiment. This is significant because it would mean that the market would need to take a drastic turn in order to negatively impact your forex position. This can bring added trading security that can help to protect you from forex losses.


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miércoles, 28 de septiembre de 2016
28 Facts about Me
Well, yesterday was my 28th birthday! So I wanted to do a special post to celebrate it with you. I think it's a very fun idea to share 28 random facts about me in order for you to get to know me a little bit better. Hope you find this facts interesting and entertaining! ;)
Let's start!
1- My complete name is Andrea Elizabeth Barbieri. Before I was born, my dad wanted to name me after my two grandmothers because it was some kind of family tradition. So, my name would have been María Zulema but my mom didn't agree to that, because she didn't like those names for me. They are bit antique really, so my mom chose Andrea, which was the name my grandmother had suggested and then Elizabeth because she liked it.
2- I was born in September 27th. I'm a Libra and all my friends and family knows that I'm an astrology freak!! I love reading about astrology, about the different aspects of the planets and I'm trying to self learn about natal charts. Whenever I meet a new person I'm always asking about the zodiac sing ;)
3- I love watching sports, especially football! But, I'm not good at team sports at all! All the sports I have enjoyed in my life were individual sports, like skating, rowing and now I'm only doing some running, pilates and yoga.
4- I'm not good at cooking but I'm great at baking! I normally prepare some really simple meals for me, mostly salads, because that's what I like to eat, so if someone asks me to prepare something more complex, I have no idea how to do it. But if you ask me to prepare a lemon pie or a carrot cake, I'm the best at it!
5- I used to be afraid of airplanes until last year, because I have never been in one before. But I took so many planes between last year and this one that I'm no longer afraid of flying ;)
6- Before having the blog, I used to work in a local radio show every saturday. I love talking and radio broadcast is my favourite activity in the media.
7- I'm not good at watching TV series. I never finish them.
8- I love listening to every kind of music and I enjoy creating playlists in Spotify.
9- When I was younger, I used to hate make up and nail polish. I was kind of a tomboy.
10- I love reading. My favourite topics are biographies and historic novels.
11- I have studied Communications and Journalism, mostly because I enjoy researching about random stuff.
12- I love learning languages. I have self learnt english and I'm currently studying french and I just started to study croatian. I love it, it's so different!
13- Part of my family is italian, but I don't speak italian that much.
14- I can't wink or raise just one eyebrow.
15- My favourite food is pizza and my favourite meal of the day is breakfast!
16- My favourite drink is lemonade because I love everything with lemon!
17- I get up very early everyday, at 5:30am, because I like to take my time to get ready.
18- That also means, I go to bed early too, around 10:30 or 11pm.
19- I like to write everything down and to take notes, so I'm always buying notepads and planners.
20- I love wearing jeans all the time and I normally buy dark blue skinny jeans so it looks like I'm always wearing the same pair of jeans but I'm not.
21- My favourite nail polish color is red.
22- My favourite accesories are watches and sunglasses.
23- I'm a very nostalgic person so I like to collect all sort of things that remind me of something, like tickets, coins, letters, pictures, anything.
24- I love talking to people, that's why I sometimes end up in conversations with random people in the street.
25- I love dancing, I used to be embarrassed when I was younger but then I realized that nobody really cares if you are a good dancer or not, the only important thing is to enjoy the music ;)
26- What I like the most about blogging is that it allows you to learn about some other incredible bloggers around the world, about new products, new brands, trends, etc.
27- I still haven't learn how to drive. I never have time to take driving lessons, I hope I can do it soon.
28- My biggest dream is to do something that's relevant and fulfilling to people
10 comentarios:
Love it! Thank you so much sharing.ResponderEliminar
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Wow!! Soo beautiful!!ResponderEliminar
I follow you now on GFC, I wait back in to my blog.
Blog: www.newoutfitfashionblog.blogspot.ba
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Thanks!! I'll take a look at your blog ;)Eliminar
great post, thanx for sharingResponderEliminar
Love it!ResponderEliminar
I also like writing stuff down and a belated happy birthday hun! :) xxResponderEliminar
Thanks a lot dear!!! :)Eliminar


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Dallas Cowboys
Yes, Virginia, Cowboys receiver Dez Bryant is a natural lefty
Dez Bryant was surprised when the play call came into the huddle. He was more surprised that so many people didn't know he was left handed.
"It was crazy," Bryant said of his 10-yard touchdown pass to tight end Jason Witten on a trick play. "A lot of people couldn't believe it. A lot of people have been telling me, 'We've been waiting on it for the longest. It finally happened.' I think the most shocking thing was people didn't know I was left handed. I was like, 'What? How do you not know I'm left-handed. Of course, I'm left-handed.' I can do a lot of things with my right hand, too."
Bryant said he can throw right handed as well. He bats right handed. He can kick with either foot.
The left-handed throw seem to take the Lions by surprise too.
"It was perfect," Bryant said. "All credit goes to coach [Scott] ]Linehan and [guard] Joe Looney. If you go back and look at the play, go look at what Joe Looney did. He's the reason that play extended. He made it happen. He got that guy off the edge."


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I have a lot of static pages, which include html files + js (SCORM packages).
I have dynamic pages, also with JS which talks to the static pages JS.
Static pages are being opened in an iframe, and we get them as-is from a third party (SCORM content), so no changes there are possible.
For performance sake, and centralization sake, we want to put all the static files on a dedicated server with lighthttp.
Problem: now the js in the dynamic pages (served via Apache) don't have permission to talk to the light-http hosted pages.
The domain is the same for both, the port is different.
Any suggestions on how to accomplish this.


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Quencie Interviews Dorien Wilson/
I interviewed Dorien Wilson who we all remember for his role as 'Professor Oglevee' from The Parkers on the red carpet of the T-Boz Unplugged event. He was so much fun. We talked about his co-star Kellita Smith on Bounce TV's In The Cut and how he deals with crazy fans that approach him. Watch our conversation below.
Check out the bloopers from when Dorien Wilson did a Studio Q drop for us.


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Tongue Base Advancement with Hyoid Myotomy
The back of the tongue can be a component of sleep apnea by itself or in conjunction with other areas of obstruction. It can also be a source of snoring. To try and correct the site of obstruction in the upper airway, a tongue base advancement with hyoid myotomy can be performed.
Sleep medicine specialists and otolaryngologists at Jefferson will coordinate your care through evaluation, diagnosis and treatment. Our team of oral and maxillofacial surgeons are also experienced in performing this procedure.
What Does Tongue Base Advancement with Hyoid Myotomy Involve?
During a tongue base advancement with hyoid myotomy, an incision is made under the chin and a device is used that places three screws into the undersurface of the jawbone. Each screw has a heavy suture affixed to it. Two of these sutures are passed around the hyoid bone (the bone that makes up the top part of the voice box) to pull it upward and forward.
Because the tongue is attached to this bone, the sutures can advance or at least stabilize the back of the tongue to prevent collapse. The final suture is passed behind the back of the tongue to prevent the tongue from falling backward during sleep.


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Few kitesurf schools are able to offer a professional service and we are one of them!!
Come to find us on Naxos island in Mikri vigla.
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Our basic kitesurf course IKO lev1 + lev2 is a 10 hours course with an IKO kitesurf instructor in a group never bigger than 2 persons.
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All the kitesurf material is always is included in the course price


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How can I possibly come up with a witty intro to this? All I can say is, all you metal head fuckers better thank my partner in crime Nora (@crazyforjensen on Twitter) for this one...
One word of warning to you: BEFORE you start this, you better check the volume on whatever it is you're listening to it on. Ashes of Abaddon are about to make your ears scream for mercy... and trust me, that's a good thing!!!
Without further ado, hailing from Boise, Idaho, here comes the metal heaven from Ashes of Abaddon!
Support unsigned artists... give indie music a chance.


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by Julito G. Rada
Manila Standard
THE construction industry sees continued growth next year with the scheduled implementation of big-ticket infrastructure projects under the public-private partnership scheme, an industry official said in a press briefing Thursday.
Levy Espiritu, president of Philippine Constructors Association, said the industry will surpass its growth target of 8 percent this year as outlook remains bullish for the next three to four years.
"Next year, [growth] would be more than that [eight percent] because growth will be faster with the implementation of PPP projects," Espiritu said.
He said that in the last three to four years, public infrastructure comprised 60 percent of the total projects while the remaining 40 percent belonged to private undertakings.
The trend has since changed to 60 percent private and 40 percent public.
But he expressed optimism that with the scheduled implementation of the 10 big-ticket infrastructure projects next year under the Aquino administration, the trend will revert back to 60 percent for public and 40 percent for private projects before 2012.
The top 10 projects in the list are: the P70-billion MRT3-LRT expansion; the P11.3-billion MRT Line 2 east extension; the P7.43-billion Panglao airport; the P4.36-billion Puerto Princesa airport; the development of the city terminal of the Diosdado Macapagal international airport; the privatization of the Laguindingan airport in Misamis Oriental; the P21-billion NLEX-SLEX link; P10-billion CALA expressway in Cavite; the supply of treated bulk water for Metro Manila; and the P3-billion Daraga international airport in Albay.
Seventy-three other PPP projects with an investment requirement of P612 billion will be implemented in 2012 and beyond.
Espiritu also said the PPP Coalition, composed of the Philippine Constructors Association, PCA Foundation Inc., Bankers Association of the Philippines, and the Research, Education and Institutional Development Foundation Inc., have already identified ready-to-go projects among the PPP projects of the government.
These were the CALA expressway project, the LRT-1 extension from Baclaran to Kawit, Cavite, and the LRT-2 east extension.
Espiritu also said the build-operate-transfer law should be amended to attune its thrusts with those of the PPP Center which was recently formed by the present administration.
Meanwhile, PCA was scheduled to hold its 20th Philippine Construction Show on Nov. 11 to 14 at the SMX Convention of the Mall of Asia.
Over 75,000 local and international consumer and trade buyers are expected to attend this event.
Friday, 5 November 2010
Construction industry headed for even better times
by Julito G. Rada
PSE best performing stock market in Asia
Stocks hit new record high
Manila Standard
THE Philippine Stock Exchange index extended its rally this week and finished at a new historic high on Thursday.
The PSEi surged by 15.44 points or 0.35 percent with value turnover reaching P4.8 billion.
Trading volume reached 1.72 billion shares.
There were 71 gainers against 63 decliners in Thursday trading.
"Year-to-date or as of Nov. 3, 2010, our stock market is now the best performing market in Asia with the PSEi recording an aggregate gain of 1,329.19 points or 45.3 percent, surpassing the growth of the markets in Indonesia and Thailand," PSE President and chief executive Val Antonio Suarez said.
"Aside from sound fundamentals, our market also continues to benefit from the general optimism by foreign investors towards Asian economies. Foreign investors accounted for about 50 percent of today's trade values," he added.
Top gainers were Philippine Bank of Communications, Megaworld Corp., Manchester International Holdings Unlimited, Apex Mining Co., First Metro Investment Corp., Security Bank Corp., Holcim Philippines Inc., and Robinsons Land Corp.
Decliners included Interport Resources Corp., APC Group, Inc., Cyber Bay Corp., Euro-Med Laboratories Phils., Inc., and Macroasia Corp.
Traders said the announcement by the US Federal Reserve that it would pump in $600 billion into the US economy perked up regional markets.
The Dow Jones Industrial Index rose 26.41 points to 11,215.13, its highest close in two years.
Japan's benchmark Nikkei 225 stock index jumped 204.94 points, or 2.2 percent, to 9,364.92 despite pressure on exporters as the dollar fell below the 81 yen level.
Hong Kong's Hang Seng index climbed 0.9 percent to 24,363.54 while China's Shanghai Composite Index rose 0.6 percent to 3,047.78.
Posted Friday, November 05, 2010 0 comments
Labels: Philippine Stock Exchange (PSE)
Thursday, 4 November 2010
P2.2-billion fund for Pampanga projects not 'pork' — Palace
By GENALYN KABILING
Manila Bulletin
MANILA, Philippines — The P2.2 billion in infrastructure funds for Central Luzon is not the pork barrel of Pampanga Rep. Gloria Macapagal-Arroyo but actually involves two foreign-assisted projects on lahar and flood containment and development highway in specific areas, Malacañang said on Wednesday.
Presidential Spokesman Edwin Lacierda said the infrastructure projects funded from loans secured by the former leader was a "necessity" to clean up the river systems of Pampanga and curb potential hazards to the communities surrounding the Mt. Pinatubo.
Of the P2.2 billion allocated in the 2011 budget, the P1.61 billion will be used for the flood control projects in Porac-Gumain River and Pasac Delta Area as part of the Mt. Pinatubo Hazard Urgent Mitigation Project Phase II. The project will be sourced from P1.32 billion worth of loans from Japan Bank for International Cooperation (JBIC) and some P289 million in the Philippine government counterpart.
The second infrastructure project worth P590.85 million involves the Sta.Cruz, Lubao-Dinalupihan section of Gapan-San Fernando-Olongapo Road project Phase II. It consists of P485.4 million from loan proceeds from the Korea Economic Development Cooperation Fund (EDCF) and a P105.42-million counterpart from the Philippine government.
"This is not pork. This is part of the JBIC program," Lacierda said in press conference in the Palace. "It is not because of a preference of the pervious administration. It is for the benefit of those affected by Mt. Pinatubo," he added.
Asked if the Palace welcomes the Arroyo-initiated public works project in Pampanga, Lacierda said: "it's a very important loan.
If you are asking me if we are thankful, it's already there to help the affected people there."
Lacierda, however, admitted that the allocation for the foreign-assisted project in Pampanga may be reduced if some of its phases are not urgent and "not yet awarded and ongoing."
He said Public Works Secretary Rogelio Singson will study the phases of the public works project in Pampanga and check if they should be prioritized. He noted that Singson has expressed concerns on the smaller components of the project like dredging in small rivers and raising of roads in Lubao that could be postponed.
On Sen. Alan Peter Cayetano's claims that former President Arroyo is a sacred cow under the Aquino government as it gave her supposed large pork barrel funds, Lacierda said: "I think Senator Cayetano should be the first to know that we are not the best of friends with the former President."
Budget and Management Secretary Florencio Abad also said the government would not allow anybody to personally benefit from the two critical infrastructure projects in Central Luzon "as their pork barrel."
"We are committed to reviewing these projects, among others, to make sure that their development purposes are indeed achieved. Furthermore, we are committed to instituting transparency and accountability in the bidding and implementation of these projects," he said in a statement.
The first project, funded by loan agreements with JBIC on December 2007, seeks "to mitigate flood damage from the elevation of riverbed and the clogging of river way caused by outflow and sedimentation of pyroclastic flows, to secure the physical distribution, to improve the hygienic environment, and to promote sustainable development including the development of Subic-Clark in the project areas."
Posted Thursday, November 04, 2010 0 comments
Labels: Gloria Arroyo, Noynoy Aquino, Pampanga
US election: What does it mean?
John Mangun
Outside the Box
Business Mirror
Vote counting in the US election is ongoing as of this writing. It is clear that the Republican Party is going to control the House of Representatives while it is likely that the administration Democrats will retain control of the Senate. What does it all mean? Everything and nothing.
The left/socialist legislative agenda of the Obama administration has come to an end. While there may be some significant changes in the previously passed law giving massive government control of the health-care sector, it is unlikely that this law will be repealed. The recently passed financial-reform bill was all political, anyway, and the Banksters will be allowed to continue to appear financially stable when, in fact, the banks are all bankrupt. The two political parties will play all lawmaking for the politics but the gridlock will stop any meaningful reform and changes.
I am sure that the Americans would like to believe that this election will make a difference. It will change the political landscape for the 2012 presidential election. However, nothing will change economically for the better in the short term.
During the last two years, the economic course of the US was charted by the Federal Reserve. The Fed, under the leadership of Great Depression "expert" Ben Bernanke, has utilized its policy power in every conventional way imaginable. The problem is that all the conventional methods that the government uses to manage an economy, particularly a problematic economy, have always failed.
The Fed immediately resorted to the oldest technique to stimulate an economy—lowering interest rates. The theory is that if interest rates went down, people and businesses borrow money which they then spend stimulating economic growth. However, hundreds of years of history have proved that raising or lowering interest rates does not have any affect in stimulating or reducing demand. The reason you borrow money is to make a profit.
If I were to offer to loan you money at 100- percent interest, would you take my offer? You most certainly would if you could take that borrowed money and make a 200-percent profit like in the stock market or a business. In fact, interest rates always go up during good economic times because there is an increasing demand for borrowed funds when it is easier to make profits. Likewise, why borrow money at even zero percent if you were going to lose that money by investing. If there is little expectation for profits, low interest rates do nothing to stimulate economic activity.
The other policy move by the Fed has been to flood the economy with fresh, newly printed money. This has been accomplished by the Fed buying US government debt with that money. The government "borrows" the money, in effect from itself, and then spends it trying get the economy growing. However, we all know how efficiently the government spends the people's money.
The offshoot of this money printing is that the dollar will decrease in value. Currency debasement is a very old and harmful tactic used by governments, going back to the Romans, to try to camouflage bad management. The economic "theory" behind currency devaluation is that it will make a nation's exports cheaper and more attractive. It does not work.
Historical studies have shown that a nation's exports can compete, regardless of currency exchange rates, as long as the exporters can be profitable. An exporter can compete against other exporters who have "cheap" currencies if he can be price-competitive and still make a profit. Labor and raw-material costs affect profits. But the No. 1 factor that determines an exporter's ability to make profits is taxes. In other words, high taxes negatively offset any benefits of dealing with a "cheap" currency in the same way that low home nation taxes positively offset any disadvantages of having a "strong" currency.
The US political changes will not materially affect corporate taxes and the Fed will continue to pursue a devaluating dollar policy. The negative domestic consequences to a weakening dollar are great. As the dollar weakens, foreign investors in the US begin to sell their holdings. This happened in the 1970s as the Japanese, formerly huge buyers of US real estate and corporations, suddenly found that their return on investment went negative due to the falling dollar. All this foreign selling of assets will further depress the US economy. And, of course, domestic inflation will rise significantly, further hurting the economy.
The same is true of the stock market. As the Fed has pumped a trillion new dollars into the US economy, since business confidence is so low, a portion of that money has gone into the stock market. This is creating another financial bubble. Leading up to periods of economic depressions, the amount of bond offerings is always greater than the amount of stock offerings. It is usually more financially healthy for a corporation to issue equity, stock, than debt. Debt is a burden. Stock offerings spread the potential profit around.
Bond offerings in the US are now enormously higher than stock offerings. While it is true that US corporations have some $2 trillion in cash, their net position (assets-debt) is nearly a negative $1 trillion. This is another somewhat hidden debt bubble that will eventually pop, causing another round of financial turmoil. But things cannot be all that bad; look how the US stock market is going up. One word; nonsense.
The measure of a true bull stock market is a market that is going up regardless of the home currency of the investor, like we see on the Philippines Stock Exchange (PSE). Are the Japanese making money in the US market? Not with the yen rising against the dollar every day. When a stock market goes up in all currencies, then everyone is a buyer just like at the PSE.
The US election will change things but not for the better. The Obama administration is now a lame-duck government and the failed economic policies will continue.
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Posted Thursday, November 04, 2010 0 comments
Labels: John Mangun
'Peso rose 11% in real terms'
Business Mirror
AS the currency wars ensue, the Philippines has already been feeling the heat and may have already seen its currency appreciate by 11 percent in real terms, according to an expert from the government think tank Philippine Institute for Development Studies (PIDS), who advocated some sort of regional capital controls.
In a presentation at the Asia Policy Forum on Wednesday, PIDS president Dr. Josef Yap said that while the Philippine peso has appreciated by around 8 percent in October, in real terms this may have already reached a double-digit increase of 11 percent.
This, Yap said, makes it even harder for sectors dependent on dollar inflows like the export sector and the families of overseas Filipino workers (OFWs). The appreciation of the peso usually slows down consumption since it cuts exporters' profits and slows consumption of OFW families.
"The Philippines is starting to experience that problem [peso appreciation] in October alone, [when] our nominal terms appreciated by 8 percent. Now the problem is, from my point of view, real terms appreciated at a higher rate, at about 11 percent. So that's not a good sign if your currency appreciates at a higher rate in real terms than in nominal terms," Yap said.
"It [appreciation] really hurts our economy, it hurts our exporters, our OFW and people don't really look at this, domestic firms that compete with imports. I think they're the hardest hit," he added.
The solution to this, Yap said, is for the implementation of regional capital controls, which should receive some support from the International Monetary Fund (IMF). This is actually one of the recommendations of the Asia Policy Forum to include in the agenda of the Group of 20 (G-20).
The Asia Policy Forum is urging the IMF and the World Bank to implement reforms in its operations and governance. Included in these reforms should be reviewing the international financial architecture on issues like managing short-term capital flows and balancing the adjustment process between capital-exporting and capital-importing countries.
This was included in the report titled "Policy Recommendations to Secure Balanced and Sustainable Growth in Asia." The report made by the forum will also be presented to Asian leaders before the meeting of the G-20.
"We really have to look at that issue, and one solution is capital control. But it should be at a regional level. And we have to have some support, explicit or implicit, from the IMF about implementing capital controls," Yap said.
"So one, it should be at a regional level. That is what we should agree on; and second, we have to have some explicit or implicit support from the IMF about this capital control," he added.
The other recommendations of the Asia Policy Forum include strengthening the role of Asian regional bodies in global macroeconomic and financial management; reducing the global imbalance; promoting inclusive and green growth; advancing trade and investment integration in Asia; pursuing financial regulatory reform in G20 countries; and reinforcing regional economic and financial cooperation in Asia.
The ADB Institute, which serves as the Secretariat of the forum, said that while Asian economies have already begun to recover from the global economic crisis, many risks remain. These risks include a double-dip recession in the advanced economies, the inappropriate timing and pace of withdrawals of macroeconomic stimulus programs around the world, surges in short-term capital inflows to emerging economies, and "currency wars."
"Asian leaders need to meet and enunciate an Asian program to achieve balanced and sustainable growth. The articulation of such a program will boost confidence and position the region as a leading center of the global recovery," ADBI Dean Masahiro Kawai said in a statement.
The Asian Policy Forum, established in 1999, brings together leading researchers to analyze key development issues affecting the region, and to make policy recommendations on them.
Tokyo-based ADBI, a subsidiary of the Asian Development Bank, was established in 1997 to help build capacity, skills, and knowledge related to poverty reduction and other areas that support long-term growth and competitiveness in developing economies in the Asia-Pacific region.
Posted Thursday, November 04, 2010 0 comments
Labels: peso
Tuesday, 2 November 2010
PHL Cited for the third time as World's Top Outsourcing Center
By ROY C. MABASA
Manila Bulletin
MANILA, Philippines – For the third time, the Philippines was cited as the "world's leading global outsourcing center" when it was awarded the Offshoring Destination of the Year Award for 2010.
The country first bagged the coveted title in 2007. The Philippines also beat other countries in the same category last year, making this year a back-to-back win.
The honor was given during the National Outsourcing Association (NOA) Awards Night, held at the Park Plaza Riverbank Hotel in London last week.
NOA said that with its abundant graduate workforce, the Philippines is becoming a veritable offshore giant for the UK Business Pocess Outsourcing (BPO) market.
The NOA, in particular, gave full importance and recognition to the country's 92 percent literary rate, 36- million labor force with 450,000 university level graduates per year – about 100,00 of them finance and accounting graduates – and the ability to understand and speak English with a neutral and understandable accent.
The country's world-class telecommunications infrastructure and unparalleled government support in the form of income tax holidays of up to six years,and other fiscal and non-fiscal incentives, also boosted the country's chances in bagging the title.
Furthermore, the board of judges gave due importance to the flat 5 percent income tax rate on gross income for locators of office buildings and installations accredited as Philippine information technology (IT) economic zones, after the initial 4-6 years of income tax holiday has passed.
The NOA has been operating for over 20 years and is the only well-established and recognized outsourcing trade association in the United Kingdom.
It is also one of the founding bodies of and prime movers of the European Outsourcing Association.
The NOA Awards are held every year to give recognition to best practices in the UK outsourcing industry. This year, there were 17 categories in contention.
Other nominees in the category won by the Philippines included Egypt, Sri Lanka, and Ukraine.
Receiving the award on behalf of the Philippine outsourcing industry and the Department of Trade and Industry (DTI) were Commercial Attaché Michael Alfred V. Ignacio and Trade of Investment Representative Vicente A. Casim of the Philippine Trade and Investment Center in London.
Posted Tuesday, November 02, 2010 0 comments
Labels: business process outsourcing
Once again, be glad you are Filipino
John Mangun
Outside the Box
Business Mirror
While most of the rest of the world looks to the future with fear and hesitation, here in the Philippines, the economic situation grows better and better.
The economic fire has been lit and as each month passes, it becomes more and more self-sustaining. As corporations and individuals make more money, they use that profit to create more and more wealth and that is what is happening in this country. From BusinessMirror: "Firms operating inside the Philippine Economic Zone Authority [Peza] generated 721,588 new jobs during the first nine months of the year, up 22 percent from the 592,257 recorded during the same period a year ago."
Look at that number: 721,588 new jobs in nine months. And each of those new jobs creates more jobs and more wealth. Moreover, the Philippines is at the beginning of the wave, not the end. From the Philippine Star: "A survey conducted by the Bangko Sentral ng Pilipinas [BSP] showed an increasing demand for loans by corporate and individual borrowers due to a stronger than expected growth in the economy for the first half of this year." That is part of the self-sustaining idea. Making money encourages business to find ways and fund ideas to make more money and the process goes on and on and grows and grows.
But you know what? It is not about the money and not about the numbers. It is all about attitude. One of the important reasons the numbers and money are growing is that people are, even secretly and quietly, glad to be Filipino.
Through 2008 and 2009, Filipinos were very cautious waiting for the worst of the global financial crisis to hit, like waiting for the next Typhoon Milenyo. By contrast, US corporations are holding back spending and investing some $2 trillion. But they are scared and worried, unlike in the Philippines.
Let me illustrate my point from a column in the New York Times: "India and America are both democracies, a top Indian official explained to me, but emotionally they are now ships passing in the night. Because today, the poorest Indian maid believes that if she can just save a few dollars to get her kid English lessons, that kid will have a better life than she does. So she is an optimist. "But the guy in Kansas," he added, "who today is enjoying a better life than that maid, is worried that he can't pass it on to his kids. So he's a pessimist."
Do you see the difference that attitude can make? We laughed and cried at the same time to the silly statement that the Philippines was down so low that there was no place to go but up. Yet in a sense, it was true. The moment people lose the belief that there is an "up" and that it is possible, even remotely possible, to reach "up," then things start falling apart. That is where the US is right now.
Contrary to many negative comments you read about the Philippines and Filipinos, in fact, Filipinos do quite a bit of self-examination, at least on a national perspective. This is a very important quality. Filipinos have a realistic view of personal and public corruption, neither exaggerating nor underestimating. More important, the Filipino has a belief that corruption can be reduced. Witness the Aquino election.
While the "experts" throw large quantities of mud on the wisdom of the Filipino voter, that criticism is not really fair.
Based on résumés, Aquino was the least experienced candidate. The same was true in the 2008 US election that brought Obama to the White House. Obama ran on "hope and change" as did Aquino, to a less distinct extent. But the difference in public attitude and perception to "hope and change" was completely different.
America's hope and change is best embodied in the Obama supporter, Peggy Joseph, who cried out at a political rally, "I won't have to worry about putting gas in my car. I won't have to worry about paying my mortgage. If I help him [Obama], he's going to help me."
The Filipino, like the Indian maid, has not lost the belief that things can be better in the future and that is a critical component to economic success. It is not an easy road to travel but it is the path to victory.
In the US, "hope" was being hopeful the problems would go away and "change" meant "We'll try anything different."
Compare to the Philippines. "Hope" for local voters was the belief that conditions could improve in the future. "Change" was the idea that a person with political experience, but not too much as to be considered a traditional politician, could achieve what the people needed.
No one expected miracles like free gas and housing. All the voters wanted, even demanded, was that the next president be serious, for example, about addressing corruption. Hoping for miracles is a sign of desperation and lack of realism. Expecting positive change shows maturity and common sense.
It is not so much about looking at where you are but about looking at where you came from. But more important, it is a matter of believing that you can go to where you want to be. That is one reason those who complain about poverty are not helpful. It is always about "enough progress has not been made reducing poverty." Yes, thank you. We know that. But do we believe that we can move in a positive direction?
The Aquino administration's plan to expand the Conditional Cash Transfer Fund has generated both controversy and discussion. But the important thing is, beyond all the political ranting, is the belief that something positive can be done. The issue is how to work it out to make is successful.
Be glad you are Filipino. The tools and conditions are coming into place for progress, substantial and sustained progress. What must not be lost is a firm belief that the Philippines can and will make it all happen successfully.
E-mail comments to firstname.lastname@example.com. PSE stock-market information and technical analysis tools provided by CitisecOnline.com Inc.
Posted Tuesday, November 02, 2010 0 comments
Labels: John Mangun
Monday, 1 November 2010
Gold will outlive the dollar once slaughter comes
Market mayhem
John Hathaway
Monday, November 01, 2010
The world's monetary system is in the process of melting down. We have entered the endgame for the dollar as the dominant reserve currency, but most investors and policymakers are unaware of the implications.
The only questions are how long the denouement of the dollar reserve system will last, and how much more damage will be inflicted by new rounds of quantitative easing or more radical monetary measures to prop up the system.
Whether prolonged or sudden, the transition to a stable monetary system will become possible only when the shortcomings of the status quo become unbearable.
Such a transition is, by definition, nonlinear. So central-bank soothsaying based on the extrapolation of historical data and the repetition of conventional wisdom offers no guidance on what lies ahead.
It's amazing that there is no intelligent discourse among policy leaders on the subject of monetary rot and its implications for the future economic and political landscape.
Until there is fundamental monetary reform on an international scale, most economic forecasts aren't worth the paper on which they are written.
Telltale signs of future trouble aren't hard to spot. Only a few months ago, Federal Reserve chairman Ben Bernanke and a chorus of other high- ranking Fed officials were talking about exit strategies from the US central bank's bloated balance sheet and the financial system's unprecedented excess liquidity.
Now, those same officials are talking about pumping more money into the system to stimulate growth.
And they're not alone: six months ago, the chief economist of the International Monetary Fund, Olivier Blanchard, suggested that raising inflation targets to 4 percent from 2 percent wouldn't be too risky.
This sort of talk must grate on the nerves of the United States' trading partners, China, India, Russia and others, who have accumulated pyramids of non-yielding Treasury debt. No haven there.
Return-free risk may be a better way to put it. And bickering among central bankers over currency manipulation and rising trade tensions doesn't exactly reinforce one's confidence in a scenario of sustained economic growth and a return to prosperity.
The prospects for an orderly unwinding of the extreme posture of global monetary policy are zero.
Bernanke, together with Jean- Claude Trichet and Mervyn King - his counterparts in Europe and the UK, respectively - are huddling en masse upon the most precarious perch in the history of monetary affairs.
These alleged guardians of monetary stability, in their attempts to shore up the system, have simply created the incinerator for paper money. We are past the point of no return. Quantitative easing may well become a way of life.
The consensus investment view seems to be that the credit crisis of 2008 was a freak occurrence, unlikely to repeat. That is wishful thinking. Monetary policy has painted itself into a corner. Based on our present course, there will be more bubbles and more meltdowns.
Financial markets and institutions sense trouble, as reflected in the flight to supposedly safe assets such as Treasuries and corporate-debt instruments with paltry yields, as well as the reluctance to lend by commercial banks.
We are stuck in an epic liquidity trap. The irony is, if global central banks succeed in creating inflation, the value of these safe assets will be destroyed. It is a slaughter waiting to happen.
In the pedantic mentality of central bankers, their playbook creates just the right amount of inflation. As inflation accelerates, consumers will spend to get rid of their dollars of diminishing value and spur the economy.
Once consumers start spending, it will be time to raise interest rates because a solid foundation for prosperity will have been established, they say.
But whatever the playbook promises, the capacity of financial markets to overshoot can't be overestimated.
The belief among policy makers and financial markets in the possibility of this sort of fine-tuning is preposterous, but it is the slender thread on which remaining investment and business confidence rests.
The breakdown of the monetary system will be chaotic. When inflation commences, it will be highly disruptive. The damage to fixed-income assets will seem instantaneous. Foreign-exchange markets will become dysfunctional. The economy will become even more fragile and unpredictable. Gold is an imperfect, but comparatively reliable, market gauge for the extent of current and future monetary destruction.
The recent acceleration in the dollar price of the metal to US$1,381 (HK$10,771.80), a record high in nominal terms, coincided with talk of a new round of quantitative easing and highly visible discord among major nations on trade and currency-valuation issues.
Naysayers point to gold's price and see a bubble, without understanding that the only acceleration that is taking place is in the rate of decline of paper currency.
The Fed is organizing an attack on the dollar's value, believing that this is the most expedient way to defuse deflationary market forces. The man in the street is unaware - a perfect setup.
Inflation can only be successful when the public doesn't see it coming.
The sudden torrent of commentary on gold isn't the sign of a bubble. Anti- gold pundits provide a great service to those who grasp this historical moment: they facilitate the advantageous positioning of the one asset most likely to be left standing when the dust settles.
John Hathaway is a managing director of Tocqueville Asset Management in New York. The opinions expressed are his own.
E-mail: firstname.lastname@example.com
Posted Monday, November 01, 2010 0 comments
Labels: dollar


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This past Thanksgiving weekend, Simon Leclerc, Marshal, Samuel Croteau & I went to our good buddy Matt Macduff's house in the Toronto area. His super nice mom & dad let us stay over for the whole weekend! Delicious breakfasts were eaten and lots of wine bottles went were drank ahah! Thanks to Margaret & Richard!
So Matt moved out during the summer and built humongous jumps in his backyard. So big, that 2 of the jumps were not ridable...but we worked mornings to bring the kickers closer. Then afternoons were all about riding all the sick concrete parks in the area.
Here are some pictures I took.


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We are blessed at Harefield Church with great facilities. The building enables us to do so much for God and our community.
Over the years we have tried to reduce the levels of maintenance but for a building which is used a minimum of 5 days a week, jobs come up. Whether it's repairing a tap, painting a wall or pruning a bush, many hands make light work.
We have set aside a Saturday morning to catch up with some of the jobs. Please help out if you can, even if it's just for an hour or two.


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Thank you so much for helping ( MY BABY) & I being healthy & thrive over the past 9 months. It wouldn't have been possible without you
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Board Certified & Licensed Acupuncturist. Doctor of Oriental Medicine ( FL), Functional Nutritionist, & Fertility Coach
"I care about you becoming happy, healthy and pregnant as much as you do" Anna
I can't thank you enough for supporting me on the journey and giving me most all of the tools I needed to get pregnant. I really could not have done it with out you .
Anna, Thank you so much for your help ensuring & I, make her grand entrance. I couldn't have done it without your calm influence and advisement"
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"At first I was a desperate 36 year old trying to get pregnant. When I turned 37, I decided to go a different route. I did my own research in fertility acupuncture and that's when I stumbled upon Anna and WellFit. I was hesitant at first but I heard a lot of successful stories of older women trying to get pregnant with acupucnture. So, I decided to go through it and I can now say that I'm glad I DID!I went through fertility acupuncture therapy for a little over 4 months and took herbs for about 6 months. After a few months of just taking it easy, we decided to go on a vacation and by God's grace and Anna, we were able to conceive!


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In the next day or two, I will be making a trip to Trader Joe's. I've never been there before so it will be a new experience for me. I am going to check it out, and see what kind of good, healthy things I can find there. Not sure what I will end up buying, if anything, but I am excited to check it out.
I thought I would ask you for suggestions of things you love to get at Trader Joe's. What do you buy there? Do you have favorites that you have to get every time you go? Anything I should avoid? Help me out here!