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Dear Readers
Seeking to raise a massive RM billion, Lotte Chemical Titan Bhds (LCT) initial public offering (IPO) is said to be the largest IPO in Malaysia since August and the largest in Southeast Asia since May
An IPO is one of the many avenue which a company, seeking to raise funds, offers a portion or all of its shares to be purchased by the general public.
The general public then become part-owners of the newly listed company.
Introduction of the initial public offering
About 30% of LCT, or approximately million shares, will be offered for subscription at a retail price of RM (subject to final retail price which then depends on the demand for the IPO).
Of the million shares, million shares will be set aside for institutional investors.
Cornerstone investors which will take the plunge are said to be Permodalan Nasional Bhd, Maybank Asset Management Sdn Bhd, Maybank Islamic Asset Management Sdn Bhd and Eastspring Investment Bhd and Great Eastern Life Insurance (Malaysia) Bhd.
They represent % of the would-be-floated shares or million shares.
The general public can only subscribe to an allocated 48 million shares (24 million to bumiputeras and 24 million to non-bumiputeras), via balloting.
The controlling stake of LCT will remain with South Koreas Lotte Chemical Corp (LCC) (70%) which is part of the Lotte group, a South Korean conglomerate, well-known for its confectioneries.
Introduction of the business
LCT is for all intents and purposes, a petrochemical company.
It manufactures principally two types of products:
- polyolefins, comprising of polyethylene and polypropylene; and
- olefins, comprising of ethylene and its derivatives such as butadiene, tetra-n-butylammonium (TBA), benzene and toluena
Polyolefins are used as building-blocks in an extensive range of consumer and industrial products such as packaging films, trash bags, automotive parts, plastic bottles, caps, compound for wires and cable insulation.
LCT supplies their products to plastic fabricators in the packaging, household, automotive and construction industries.
On the other hand, olefins are feedstocks in the production of polyolefins products. To put simply, olefins are used as raw materials to make polyolefins products.
In FY, product sales of polyolefins contributed 80% of LCTs revenue.
Malaysia's Lotte Chemical Titan counts PNB, Eastspring as IPO cornerstone investors
Polyolefins, as they are higher up the value chain, contribute to a higher gross profit than olefins.
In , LCT is the fourth biggest producer of polyolefin in Southeast Asia with regard to production capacity.
LCTs products are sold domestically and overseas. In FY, LCTs customers are located in 60 countries such as Indonesia (%), Southeast Asia (%), China (%), Indian sub-continent, South Korea, Oceania and Europe (collectively about %). In the same financial year, the domestic market contributed to roughly % of LCTs revenue.
Pasir Gudang and Tanjung Langsat are where LCT concentrates its operations.
They are 12 kilometres apart and there is an underground pipeline which delivers feedstocks from Pasir Gudang to Tanjung Langsat.
As a petrochemical company, LCTs earnings are affected by the volatility of crude oil prices.
IPO - Lotte Chemical Titan Holding Berhad (LCTITAN)
The major component in the production of LCTs products is naphtha and it constitutes a majority of LCTs cost of goods. The price of naphtha correlates with crude oil prices. Therefore, a significant volatility in crude oil prices may affect the costs of procurement of naphtha thus putting pressure on LCTs profit margin.
This is because the sale price of LCTs finished products may lag behind the price increase of the procurement of naphtha.
In addition, an environment of high crude oil prices would translated to lower operating margins as the cost of higher crude oil prices may not necessarily be passed on to LCTs customers. Demand and quality of products are amongst other factors which influence the sale price of LCTs finished products.
In an industry where price competitiveness is the major selling point, I would expect profit margin to be squeezed when competition amongst petrochemical manufacturers intensifies.
The main competitors to LCT include Petronas Chemicals Group Bhd (Pet Chem) and PT Chanda Asri (Indonesia). Consideration however must be accorded to the fact that once Pet Chem has completed the RAPID project in Pengerang, Johor, the market competitiveness may intensify. The effect of the RAPID project is may be more pronounced with regard to LCT as the RAPID project is relatively close, in distance, to LCTs plants in Pasir Gudang and Tangjung Langsat.
Also, the supply and demand of petrochemical products are dependent on market conditions.
Other noteworthy risk is currency fluctuation in particular RM/USD as raw materials such as naphtha are purchased in USD.
How To Invest In IPO Stocks (Part 1) - What To Read Inside The IPO Prospectus
Overseas transaction for the sale of LCTs finished products are USD-denominated.
Objectives of the IPO
The main objective of the IPO is to finance capital expenditure to increase production capacity.
Most of the funds raised in the IPO will be channeled to finance an integrated petrochemical facility located in Indonesia. The said facility will cost an estimated RM15 billion. The facility, once operational in , will be used to boost production of olefins (feedstocks for the production of polyethylene).
A total of RM billion from the fund raised from the IPO will be poured into this project. The remaining balance of RM billion will be funded through borrowings.
Other projects (designated as TE3 Project and PP3 Project) being funded by proceeds from the IPO are enhancement of existing operations in Pasir Gudang. Those projects seek to boost production efficiency and capacity of polypropylene and olefins. Interestingly, the PP3 Project will utilise technology from LCTs controlling shareholder, LCC. Commercial operation of PP3 is expected to commence in the second-half of
A glance of the above financial statement indicates that, in the last 3 financial years, LCTs revenue may appear to be under pressure.
However, the gradual decrease of LCTs revenue is not attributed to lower sales volume of its products.
In fact, sales volume has increased. The effect of low crude oil prices means that the selling price of LCTs products are reduced thus affecting revenue.
On the flip side, gross profit and net profit increased tremendously despite lacklustre revenue between FY and FY Again, low crude oil prices contributed to an increased profit margin and earnings.
In fact, EPS doubled from 35 cents, in FY, to 76 cents, in FY
The overall cash flow is healthy. LCT experienced better cash flow generated from its operating activities in FY and FY thanks to an environment of low crude oil prices.
In FY, the company was investing heavily to boost efficiency and production.
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On top of that, a negative cash flow in financing activities, in FY and FY, indicates that debts were pared down. As at the end of FY, borrowing (short term) are at RM75 million.
That only accounts to % of shareholders equity.
Dividend policy
The company proposes to pay around 50% of net profits every year. If all things being equal at the end of FY, dividend of 50%, from an EPS of 76 cents, would translate to a dividend of 38 cents per share.
At a share price of, say, RM, that would translate to a dividend yield of about %. This decent dividend yield may be ideal for a dividend play.
Potential for growth can be seen from LCTs commitment to capital expenditures which will increase production and improve production efficiency.
This will contribute positively to its earnings down the road.
Before I conclude, lets look at the downside risk associated with LCT. Those risks are:
- Volatility of crude oil prices.
- High crude oil prices.
- Competition.
- Market conditions.
At this current time and the foreseeable future, I believe that:
- Crude oil prices are and/or will be less volatile (within the range of USD50 55 per barrel).
- Crude oil prices are relatively low to its high of USD per barrel in and the current market condition will remain as a new normal, inevitably with the rise of electric cars and investment in renewable energy
- Until RAPID comes online in , it is safe to say that competition dynamics between existing petrochemical players will be somewhat similar and unaltered.
- There is a general optimism and consensus that the worlds economy, including Malaysia, is heading for better times.
I expect demand for petrochemical will rise in light of better economic prospect.
Further, LCT is entering the IPO with strong financials a cash reserve of about RM1 billion, positive cash flow and coupled with low borrowing debts. If market conditions remain the same, there is much room for growth for LCT.
Parting thoughts
To wrap up, I want to say that I find it admirable that LCT is getting the needed technical and technological support from LCC, its controlling shareholder, especially in the upgrade of its existing plants in Johore.
This reminds me of the uncanny resemblance of the support CSC Steel Holdings Bhd received from its parent company, China Steel Corporation of Taiwan.
If you need to know more of the IPO (and you should), please have a read the IPO prospectus which can be found here.
Important timetable
- Opening of IPO application 16 June
- Closing of IPO application 28 June
- Balloting of application 03 July
- Allotment of IPO shares to successful applicants 07 July
- Listing date (tentative) 11 July
Do hit the like and share buttons on my Facebook for updates on the IPO.
- xn--80aqfbe2aj1g.xn--p1ai
- LCTs IPO Prospectus
- xn--80aqfbe2aj1g.xn--p1ai
- xn--80aqfbe2aj1g.xn--p1ai


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A record that's way more than just "again" – that is, a recap of the first Buffalo Springfield classic – as the set not only has the group really exploding forward, but also the individual members taking these strong steps on their own that really point towards their big legacies to follow! Neil Young grabs us with darkness on the first tune, Richie Furay warms us with some country strains on the next, and Stephen Stills moves into a space that's very much his own on the next – yet throughout it all, the record has this sense of unity that really holds up over the years – giving us depth that makes the whole thing an amazing listen time and time again. There's some key help along the way – a bit of piano from Don Randi, electric piano from Jack Nitzsche, and even some recording help from Jim Messina – all furthering the warmth of the group's approach. Titles include "Mr Soul", "Sad Memory", "Hung Upside Down", "Good Time Boy", "Rock & Roll Woman", "Broken Arrow", "A Child's Claim To Fame", and "Expecting To Fly". © 1996-2020, Dusty Groove, Inc.
(Rhino Start Your Ear Off Right 2019 exclusive on180 gram vinyl – in mono!)
We realize that there are many different interpretations of the standard grades used for pre-owned vinyl record albums & CD, so we thought we'd offer you the ones that we are working with, so you have an idea what we mean when we give the grade for a non-new item on our pages.
Below are stated conditions for a used vinyl records at Dusty Groove. Grading for the cover should be assumed to be near (within a "+" or "-") the grading for the vinyl. If there is significant divergence from the condition of the vinyl, or specific flaws, these will be noted in the comments section of the item. However, please be aware that since the emphasis of this site is towards the music listener, our main concern is with the vinyl of any used item we sell. Additionally, all of our records are graded visually; considering the volume of used vinyl we handle, it is impossible for us to listen to each record. If we spot any significant flaws, we make every attempt to listen through them and note how they play.
The following grading conditions apply to the vinyl component of an album or single:
This is what it says, that the record is still held fast in shrink-wrap. We tend to be pretty suspicious about these things, so if the shrink-wrap doesn't look original, or if the record seems to have undergone some damage over time, we'll probably take it out of the wrapper to ensure that it's in good shape — which is why we don't have more of these. In some cases the shrink-wrap may be torn in spots, but if it's not possible the record has been taken out and played, the record will still qualify as "Sealed".
Dusty Groove does not use the grades of Near Mint (or Mint, for that matter) because in our experience, we find that no records ever qualify for such a high grade. Even sealed records tend to have one or two slight faults, enough to usually qualify them for a grade of NM- or lower. We've often found that records which are clearly unplayed will have a slight amount of surface noise, especially in quieter recordings.
This is a grade we rarely use, as we try not to sell records in very bad condition, though in some rare cases we will list a record in such bad shape that it does not conform to the standards above. A "Fair" record will have enough marks or significant flaws that it does not even qualify as "Good", but is a copy you might consider for playing, if you're willing to put up with noise and/or flaws. An example might be a recording with surface noise so heavy that it is equal to the volume of the music. For records listed as "Fair", we will describe the extent of the condition in the comments.
Like "Fair", we rarely list records in this condition, as they represent the extreme low end of spectrum. These records typically have multiple serious problems, and we offer them as "relics" or "objects" only — for those who want to at least have a copy of a record, even if it is not really worthy of play, perhaps for the cover alone. For these records, we will describe the extent of the condition in the comments.
If something is noteworthy, we try to note it in the comments — especially if it is an oddity that is the only wrong thing about the record. This might include, but isn't limited to, warped records, tracks that skip, cover damage or wear as noted above, or strictly cosmetic flaws.
We have only one grade for non-new CDs at Dusty Groove — "Used CD". This grade is somewhat all-encompassing, but we choose it because we try to offer Used CDs in the best shape possible.
When you purchase a Used CD you can expect the disc to be free of all but the lightest of surface marks, the case to be clean (we often change the cases ourselves), and the booklet to be in good shape. Used CDs may show some signs of use but if there are significant details or defects we will list them underneath the item — just like we do with LPs — so look there for notes on cutout marks, stickers, promo stamps or other details.
All of our Used CDs are guaranteed to play without skipping or flaws. If you purchase a Used CD from Dusty Groove, you have 1 week to play it to determine that it plays correctly — and if it does not, then you may return it for a full refund.

subset: commoncrawl


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Gems from Paradise--connecting women with themselves and their worlds
Galentine's Day or Valentine's Day: Why Not Both?
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How Nike Got It Right
"Just Do It!" Nike is onto something there. These words have become ever so powerful and now I'm applying them to my own life. I'm taking on the mantle this year to simply get stuff done, even if I am a bit late to the game. A dream or goal without execution will remain unfulfilled. Often what stops us from moving forward are those false beliefs we hold. Join me as I kick them to the curb in order to better serve you!
The 5 Second Rule
The 5 Second Rule by Mel Robbins is life-changing! And it's an easy concept to understand that will get you thinking about who you are and where you want to go...and it will take you there! It holds you accountable in an easy, but powerful way and it's kind of like a fun personal challenge. You are accountable only to yourself and that is as it should be! I hope you enjoy the post. Please share with me if this philosophy changed your life as well. :)
The Miracle Worker
Have you ever been deeply moved by a work of art? I have. The movie, The Miracle Worker, was about two people magically connecting. We saw them learn from each other, grow together, and help improve each other's lives forever. The things and people we connect with make us who we are, and ignite in us an energy of confidence, power, and identity. Let the world see you!
Jewel Day, March 13th...Every Year
Did you know that March 13th is known as Jewel Day? As if I needed another excuse to drool over jewelry! Jewelry is often associated with a special holiday, occasion or memory. What came to your mind when you heard it was Jewel Day?


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Day 68 of the $583 Challenge
All right guys, let's start our midday market recap. The battle with my headset continues today, which is why we're starting a little bit late. In any case, we'll go over trades from today. Today was a surprisingly great day, $3,192.48. You know, I wasn't expecting to have such a green day, I really wasn't. We had a couple of good setups, I got aggressive and I locked up the profits and with that I had one of the best days I've had in over a week.
You can see there for those of you watching on Facebook $3,192. I'm up to 120,000 in my account, tomorrow I'll open at 123,000. I'm making my way up closer and closer to 125 and 130, 140, 150 and we'll just see where this takes me. It's confusing because I'm up $120,000 on the year, in this account I started with $587. For the first two months of the year or for the first month of the year, really the first six weeks when I had a tiny account, I was also trading in my regular account because I traded offshore at SureTrader for the first month or whatever.
I made about $30,000 or so in my regular account. I'm actually up 157,000 on the year. I've got an extra $33,000 of profit or so. Whether it's 120 or 157 either way it's been a great year and this is the account that I of course started January 1st with a little over $583. A day like today, it's obviously what I look for as a trader. Just to find stocks I can get aggressive on, had accuracy on three out three trades not have to push it too hard and walk away with anything over $1,000 is awesome. $1,000 is the daily goal.
As of right now I'm up 18,000 on the month of April and of course today is April 11th doing pretty well. That's not bad considering we still have a solid two and half week left in the month and I'm up 5,700 on the week here. Doing pretty well and staying focused on looking for quality setups and not being overly aggressive. I actually was a little aggressive on PYDS and we'll go over that trade in a second, but we'll start with the beginning of the day.
NADL was my first trade of the day and this one, it's funny because we had this nice little pullback pre-market right here around $2 and I was thinking, "You know, that looks like a nice bull flag, that's the place that I'd like to get in but I don't want to buy it pre-market." It pops up to a high pre-market of 57. Well, I actually decided for maybe the second time this year to take a pre-market trade. By pre-market trade I mean I got in at 9:29 and 50 seconds. I got in 10 seconds before the bell rang using my day plus order.
My hotkeys are scripted to day plus and they will work pre-market or after hours and this had a lot of volume. It already had nearly a million shares when I got in, no issue with liquidity. I got in this one for the break over 250. A half dollar break and I just thought, I'd see where it would take me. 5,000 shares, 250 we popped up to a high of 274. We pulled back, we then squeezed up to 278 and a high of 287. I wasn't as aggressive on it as I could have, I sold most of it probably too soon but I was able to lockup on that one $807 in the first three minutes.
Basically, in-out 800 bucks in three minutes, I'll take it and that right there could be my daily goal. I could say, "Look, if I can do that, that's a great day," and it's always better to walk away green than to walk away red. Anyways, I decided I'd obviously keep trading. CBIO was the second one on my watch list and this one had a pretty nice pre-market flag. We had the first pop, the pullback and the second move up. I was watching it long over the pre-market pivot, which is right here at 670 exactly.
We started to popup here, we do a little bit of a red to green move, we dip down when the bell rang and then we start to surge back up. You can see as we surge back up that's where I got in for the red to green move and we got this move all the way up to 708. I got in at 672, my average was 672. I filled at 670 but then a little at 678, got this pop here up to 708. Another solid trade, 1,000 bucks and that put me up $1,800 on the day and now we're five minutes into the day.
At that point I was like, "Okay, this is a great start and I'll just keep watching my scanners." NADL was obviously on the scanners, CBIO was on the scanners, we also had a couple of others that I wasn't super interested in, Plug was on there. I don't trade this one, the float is quite high over 100 million shares so no trades on that one for me. Then we saw PYSD hit the scanner and when I saw it hit the scanner it was right here.
I said, "Well, you know sure it looks interesting. We have resistance at a 172, which is the 200 moving average but yeah it looks interesting, my problem is the volume is too light. If I want to get in this here …" there was only about 60,000 shares of volume by this point here so it was just super, super thin. I was like, "All right, well it looks interesting but I'll just … I'll wait." Other traders saw it and also thought it looked interesting, which is why they first candle to make a new high on this little bull flag got bought up with 179,000 shares of volume.
It went from 164 all the way up to 219 and we got halted on circuit breaker. At that point I felt like, "Well, maybe that's a little annoying because I was certainly watching it, I just passed because I thought the volume was too light. I guess I could have, I guess I could have traded it, I just couldn't have taken a big size but in any case," I said, "That's fine, I'll wait for it to resume."
It was halted at 219 and I said, "As soon as it resumes, I've got two approaches. Number one, is that I'll buy as soon as it breaks over the high before the halt," which was 221 and then the second was that if it opens even higher than that, if it opens at 245 or 250 I would add around the whole dollar of 250. You guys can see, let's see right here. We've got this move up, a little bit of pullback with a little bit of a rest and that's the opportunity to be a buyer, we get to move higher.
I jumped in this right at 221 as soon as it resumes, it actually resumed at 220 and as it popped up I got in right as soon as it resumed. It was 230, 240 and my average was 243. We popped up to a high of 260, we pulled back and then we went up to a high here of 265. It wasn't the best trade ever. I made 1500 bucks on it and with that trade it got me up just over three grand on the day. Which was good but it wasn't exactly what I wanted. I was thinking over 260 we would have a move up towards three and it would potentially give me another one of those days where I'm at five, eight or maybe 10,000.
1500 on it is not bad, it wasn't a bad trade. It just didn't really work out as well as I wanted. The thing that of course made me nervous is that as soon as I got in with 10,000 shares it dropped on this candle down to 215 or something like that. I was like, "Okay, well is this going to be the trade that I …" I had a great day going and then I get into it and it suddenly drops and now I've just thrown away a good day.
I said, "Well, I'll wait for the first one minute candle to make a new high," and when that happened right here the new high was over 250, which was at the whole dollar or the half dollar and that's when we got that follow-through volume, a high of day volume and that's when I said, "All right, I'm back into the green, I'm out of it and I'm taking my profits."
That's what I meant on that one by saying I was a little more aggressive and it's interesting when you're sitting and you don't plan to be super aggressive and then suddenly you're in with 10,000 or 15,000 or whatever 1,000 shares that's higher than usual. I just saw it starting to spike and I just pressed my hot key and the next thing I know I was in and it was looking great and then all of a sudden it dropped 20 cents. It can happen so quickly that you don't have a lot of time to react and the next thing you know you're at a big loss on the name.
I was glad that it bounced back up and I was safe from having to take a loss on it. Today is my seventh consecutive green day. I've been green so far, every day in April, which is nice. Like I said with March, March was my rollercoaster, where I had some big ups and some big downs. It was a bit stressful because it was just all over the place having $10,000 willing days and then losing 15,000 in a couple of days. Just a lot of big swings in the P&L and that creates stress and frustration.
Then that, of course, brings out the emotional trader and encourages you to start doing things that you get a little too aggressive or you're frustrated, you take it out on your account and that's not good at all. My goal for April was to scale that back a little bit and try to be more consistent. Even if I only had 500 or $1,000 a day that I would be just consistently green and that over the course of 10 or 15 trading days that that would actually maybe yield more profits. Than having the days where I have a big push up but then the following day where I have the big drop.
So far, it's paying off, I'm up 18,000 on the month and last month I finished with 29,000. Of course, the month of February was 68,000 both of these months seem like they're going to be in the shadow of a really great February. I don't know why February was just so awesome, it was just really, really good trading but that's part of the deal with trading. You have some really great days, some really great months and then those have to tie you over until … Knowing inevitably that things will slowdown and you will have a lull in the market where you just have to sit on your big green trades from the previous month.
It's like if you're trying to sail across the ocean, you may have a couple of days where you make a lot of progress and then four days where there's no wind you're just floating there. That's part of the deal, you can't plan for it. You have to just know that at some point that could happen and not to let yourself get bent out of shape when it starts to slow down. Fortunately, April isn't showing really any sign of slowing down.
I mean it seems like we were getting good opportunity this morning. The only thing that's interesting is that the opportunities are really from 9:30 to 10.00 a.m. and by 10:30 things have been really slowing down. My last trade was at 9:59, I haven't traded past 10:00 a.m. today and I don't know that I traded much past 10:00 a.m. yesterday. At the same time working from 9:00 to 10:00 a.m. isn't too bad either.
This is the thing, I know that it's easy for me to say, "You know, well, this is easy you just get in here, you get out there." For me though this is really easy. The hard part was strategy development, the hard part was the two years that I spent trying to figure out this strategy that I trade every single day. This strategy includes a set of rules, the type of stocks I trade, the characteristics of those stocks from a technical perspective. What's their float, what's their volume, what's their daily chart look like, what's the position to the moving averages?
These are the things that I have to look for, is it a former runner, they have a history of making a big move, does it have a good catalyst? I go through that checklist and then I look at the chart. Today I looked at the pre-market chart on CBIO. Obviously, I liked it, I thought it looked strong. We had another one this morning that was gapping up CBIO I was like, "Yeah, that's a good chart, it's worth trading, there's a good chance it will work." A chart like GLBS was also a gapper but I could tell that the risk on this was too high, it wasn't a clear pattern.
Getting to the point where you're able to find stocks to trade every single day, apply a sense of risk management to those trades where you've got max loss and you have a profit target. Then having the ability to find exact entries using patterns like bull flags, five top breakouts, all of that is what took me years to develop. Obviously, you guys are fortunate that for those of you that are in our classes and we have a class again tonight at four. I'm basically able to teach you everything that I know about the market and it took me years to learn. Through the course of a 90-day class you're able to pretty much get up to speed with where I'm at.
Then at that point it's just a matter of practice, which is important. You can't underestimate experience but that's something that is certainly more productive when you're practicing a strategy that someone else is using every single day. If you're practicing a strategy that you're just like shooting from the hip like a little of this and a little of that. The odds are your consistency is going to be pretty low and that's what I see with most students. Even if I open up our trading simulator today we can see where most students are trading.
Sonia, the reason GLBS had higher risk was for a couple for reasons. Number one, you could say, yes it was a low float stock with a history of making big moves. Yes, low float, yes, a history of making big moves, yes, it had a catalyst that's all true but number four the daily chart is not very good. You're coming up into resistance. You can see how, those of you on Facebook watching, you can see how this stock was opening here and coming up into all these levels.
Each one of those moving averages is like a little ceiling, a little ceiling here, a little ceiling here, a little ceiling there and that creates resistance. In contrast, a chart like CYCC, which we traded yesterday. This one on the daily chart, it's above all of those lines. It's above resistance, that's good, it's actually bouncing off those lines and they're creating support. That's a much stronger daily chart. That was my primary reason I didn't like GLBS was because the daily chart was bad.
The second reason maybe was because the stock has been a little over traded. You can see in the past how many times it spiked up. It's just a little overdone but that's not maybe as critical as the daily chart right now just being not so great. Let's see, that's what I when I saw GLBS on the one hand I thought it looked interesting but on the other hand I thought the risk was high. For students on the simulator today we have, let's see, 501 traders that traded on the simulator today and of the 501, let's see, only 183 are profitable.
Those are 183 of our students are profitable and this again exemplifies the fact that these are students who are practicing, learning to refine their strategies, some of them like this student here Daniel. He's a little further down, he traded CYTX, CBIO and PYDS he's green on all three, P&L very similar to mine, he's doing well. As soon as he's going to be able to graduate out of this simulator and start trading real money.
Sebastian, he's got a couple of trades he's still holding some longs, some short etcetera but inevitably a lot of students who are beginners are still practicing their strategy, doing a little of this and a little of that. What's going to be really common is that we'll see the accuracy being on the low side and that's understandable for where they're at. Here you've got accuracy … She traded the same stocks as me but odds are her entries weren't as dialed in. She might have gotten in a little too high or gotten out just not quite the right place. That comes down to being able to understand proper entries and proper exists.
All of that you can understand in theory the right way to trade a stock but then it's actually executing that theory and making it in practice that you actually follow the plan. In theory, I know what it looks like to do a back flip skiing. In practice, I physically can't do it. It's basically if I really wanted to get that done I just need to keep practicing and practicing and practicing and eventually I'll get there. As long as I don't break my neck along the way, I should get there.
It's the same thing with trading, you have an understanding of, "Okay, I get in at the first candle to make a new high." Go back to PYSD … Let's say for instance this one had more volume because this is the pattern … If this had half a million shares of volume I absolutely would have been a buyer here, it's just the volume is a little too light but the pattern is good. Let's say just looking at the pattern you know the entry point is the first candle to make a new high. If you know the entry point is that apex point, that price. That price on this pattern is 162.
If I look at this and she bought at 180, I know that she chased it by 18 cents. I know that that would be a bad entry. Being able to get the right entry means being quick with your hot keys, being quick to type the orders, being able to anticipate breakout spots so you're sending the order just a moment before the break instead of a moment after the break and those things are that ability to just make those slight adjustments. Those are things that come with experience but she is trading the right stocks, which is a step in the right direction.
That's one step and she's a couple more steps away from dialing in those entries and then she'll see the P&L follow suit, it will improve. Anyway, that's about it for today. Trying to make the most of this short trading week and at the same time just be really disciplined about taking a quality setups. I do feel like I was a little too aggressing on PYSD and I need to be careful on that one. Maybe part of the reason was because I was …
It's frustrating when you're watching a stock and then it runs 20% and you're just sitting there watching it. It's like I might have felt a little fear of missing out, frustration that I missed that whole move. I was like, "I'll get in on the first pullback after the halt," but then I just got in a little too high. I was getting a little emotional on that. That might be for me just a note to self to be a little more careful on stocks coming out of circuit breaker halts.
Anyways, that's it for today for this lunchtime recap and we'll jump back in at 4:00 p.m. for class 10 of the Day Trade Course. Today we're going to be talking about level two in hotkeys and we're going to have lots of live examples of me trading and how I responded to something that I saw on the level two. That would be a great class for you guys. I will be over in the classroom at 4:00 p.m. All right, until then I'll let you guys go grab some lunch and see you in just a little bit. All right thanks guys.
Let's be honest, if you made it this far you must have really enjoyed that video. What's stopping you, subscribe right here and get email alerts anytime I upload new content, until then happy surfing.


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What kind of successful career path takes you from having a GS-13 attorney job in Washington, D.C., to becoming a GS-6 executive assistant to, ultimately, being confirmed by the Senate as the chairman of the Department of Veterans Affairs Board of Veterans' Appeals (BVA)?
A military spouse one, of course. And while it wasn't conventional, BVA Chairman and former Air Force spouse Cheryl Mason does value her journey for the tools it gave her to help military spouses working in her agency now and the lessons it taught her along the way.
Mason's tenacity in pursuing her goals while also balancing the demands of being a military spouse offer some great life lessons for career-minded spouses trying to do the same today.
It's thanks to that life experience -- combined with her position at the BVA, where she manages almost 1,000 federal workers set to process about 90,000 veteran rating appeals this year -- that Mason has been able to put in place military spouse-friendly employment policies.
For example, military spouse attorneys who have been with the agency more than a year can apply to take their position remote, eliminating the need to find a new job or retake the bar exam when they move. And the BVA is the only part of the VA that has joined the Defense Department's Military Spouse Employment Partnership and made a pledge to hire spouses.
So what lessons does Mason have to pass on? Here are her best tips.
1. Look at career challenges -- even disappointing ones -- as opportunities.
When Mason followed her Air Force husband to Germany, she was forced to leave her job as a BVA attorney in D.C. With no attorney positions open at their new OCONUS duty station, she had to make a hard choice: Stay out of the work force or take a secretarial job. She chose the job.
"My advice: Challenges are opportunities for you to decide how you want to have that impact on your life," she said. "Especially military, but I think anybody in today's world, you get to define what your career looks like, and that's a big deal. ... What I would advise is, when you see challenges and you have those things and it's not working like you wanted, look for opportunities to see 'what I can learn or how can I grow in this job? If I take this position, what is it going to allow me to do?'"
It was that attitude that allowed her to use the administrative assistant position to not just fill her time, but lend her valuable life experience in working with people and even managing contracts as they came across her desk.
"Sometimes, you do have to take a step backward to go forward because of what you will learn," she said.
2. Remember that military life happens in seasons.
As their time in Germany came to a close, Mason and her husband sat down to discuss their next move. To give her a shot at a career, they chose to go back to D.C. With a small child, her job hunt there had different priorities than it had before she had a family. And when their second child was born, things became even more complicated.
That meant she had to balance her new priorities with her desire for a successful career -- and say "no" to things that weren't the right fit for that time.
"I think you have to take life as seasons," she said. "Each part of your life is a season, and so when we're raising our children, that was a season."
She chose a position that wasn't everything she dreamed, but did give her the flexibility to dedicate time to her family. Then, when her children were older, she shifted focus back to her career.
"It's about figuring it out, defining the life that you want, and deciding and trusting that there will be other opportunities to grow yourself," she said. "But you have to figure out what that looks like. If you just sit and wait, it's not going to work."
3. Learn to make tough decisions through communication.
As Mason's career progressed, she and her husband faced a decision: Attempt to balance two very demanding career fields with a family, or let one parent step back. After looking at their options, they decided her husband would leave active duty after more than 14 years to join the Air Force Reserve and take a civilian job. That let Mason shift her focus from family to job.
Making that decision was hard, she said, but thanks to good communication they were able to choose the right path for their family.
"I think for anybody approaching that, that's what they have to look at: This is one of these big life decisions, and you have to do it together. You can't do it separately," she said. "Sometimes they get their turn, and sometimes you get your turn, but you have to figure out how to balance it."
Keep Up with the Ins and Outs of Military Life
For the latest military news and tips on military family benefits and more, sign up for a free Military.com membership and have the information you need delivered directly to your inbox.


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If I had ever written a proper review of Patrick Brown's tell-all book on his political take down, I would have paid far more attention to his relationships with the Tory caucus at Queen's Park and particularly Vic Fedeli the MPP from North Bay. Fedeli, now Doug Ford's finance minister, is suing Brown and his publisher for exactly the same $8 million that Brown is suing Bell Media's CTV News.
It was hardly a review of Brown's supposedly tell-all book that I wrote at the end of December. My only surprise on the comments I made was the immediate response from his publisher. While you would expect a publisher to be defensive about what he decides to publish, Dean Baxendale of Optimum Publishing appeared admiring. I admitted openly that I had only read half the book before giving up. The truth was that, in my humble opinion, it was badly written, poorly edited and the inside pages lacked decent design. When the publisher said that I had missed the essence of the book, it did not surprise me. It was hard to find any other reason for the book than to make some quick cash.
What surprised me was that I had more of a back and forth dialogue with his publisher than I had ever had with Patrick Brown over the 12 years that we both lived in Barrie. We have been at many of the same meetings over those years in Barrie and in Ottawa.
But now it is obvious that Vic Fedeli does not like Patrick's writing either. To suggest that a gentleman such as Fideli did something untoward such as "workplace sexual harassment" would cause him some consternation. Insults are one thing but claims of impropriety are not acceptable. As Mr. Brown has found himself, such claims cause law suits and paying lots and lots to lawyers.
The statement of claim is reported to have said that Mr. Fedeli was described in the book as having "a holier-than-thou attitude and being a suck-up." This was along with being described as "toxic, power-hungry, anti-democratic and a political opportunist." While comments such as this about politicians are rarely cause for law suits, Mr. Brown would be well advised to restrain himself from childish name calling.
In my last e-mail from Brown's publisher, he advised me that, in regards to Mr. Brown's book, it will "long be studied after you and I are dead." That thought really chokes me up.
Copyright 2019 © Peter Lowry
Complaints, comments, criticisms and compliments can be sent to email@example.com
Tags: Barrie, Conservative, Ontario, Patrick Brown


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Viewing items tagged with "Event".
Trina Edwards started out working in administration and office management. But after a move to the events sector, she's a core member of the team behind the biggest international business event in New Zealand tourism, TRENZ. Find out why tourism and events are a perfect combination for Trina.


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Insomnia: Meaning, Causes, Symptoms, Treatment
Article on Insomnia, its Causes, Symptoms and methods of treatment.
What is Insomnia ?
Causes of Insomnia
Symptoms of Insomnia
Treatment of Insomnia
What is Insomnia ?
Find it difficult getting to sleep? You are not alone.
As per an estimate more than 70% of world population is struggling with insomnia which is characterized by lack of adequate and/or good quality sleep, difficulty in falling asleep and change in sleep patterns which result in symptoms like emotional instability, confusion, loss of coordination and lack of concentration
Other allied symptoms of Insomnia include depression, fatigue, loss of memory and reduced efficiency.
Sleeping pills ranging from barbiturates to benzodiazepines, despite their side effects are an ever growing multi billion industry.
Diagnosing the cause of Insomnia
Insomnia can be caused due to a variety of factors.
Psychological causes: Anger, mental tension, resentment, bitterness, worries, overwork, anxiety and overexcitement due to a stress situation or staggered working hours.
Physiological Causes: Irregular or bad habits of sleeping, obstructive apnea, constipation and other digestive disorders.
Extrinsic causes: Addiction of any kind, excessive consumption of alcohol, tea, coffee and other condiments, Overeating or eating too less in the night.
Symptoms of Insomnia
Besides difficulty in falling asleep, which is the main symptom of insomnia, there may be other allied symptoms which may arise due to lack of sleep. They are:
- Change in sleep patterns
- Lapses of memory
- Emotional instability
- Confusion
- Loss of coordination
- Lack of concentration
Treatment of Insomnia
Diagnosing the cause is the fist step in treating Insomnia. This can be done by conducting a detailed physical, psychiatric and medical history check-up.
Acute Insomnia is generally treated without resorting to drugs. Drugs are prescribed only if insomnia is chronic or has some predictable trends of occurrence.
The steps followed in treatment of Insomnia (in order of their application) are:
1) Cognitive and Behavioral measures
2) Drug therapy
3) Intermittent administration of hypnotics


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This little cafe is one in a strip of identical eateries hidden behind the bus stop in the border town of Villazón, Bolivia. The two women — one carrying a baby on her back — serve up a traditional breakfast of hot flatbread (seen sitting on the counter) and tea with coca leaves to its patrons on picnic tables.
–Tara for TKGO


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Starz is getting ready to kick off season 5 of hit show Power starring 50 Cent and Omari Hardwick. So all this week I'll be giving you interviews with different members of the cast. Today you'll get to see La La Anthony and Naturi Naughton talk about the show's success and the trajectory of their careers.
We also tackle an idea on how to stop all the Power spoilers.
Also On Global Grind:
You May Also Like


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Join local teachers to explore the Big Ideas of Sustainability and how they relate and connect to your current curriculum. Discover the value of place-based pedagogy in a beautiful setting for environmental education, the Wildlife Education Center of the Hudson Highlands Nature Museum in Cornwall-on-Hudson, NY.
What do the key practices and principles of Education for Sustainability look like in action? Participants will build conceptual understanding of the 12 Big Ideas of Sustainability through interactive games, discussion and small group work. Concepts like interdependence, cycles, equilibrium and long-term effects can be readily connected to existing curriculum. CELF will share real world models that put the Big Ideas of Sustainability into practice across content areas and grade levels. CELF will support participants as they learn to identify and emphasize the Big Ideas at play in their classroom, school and community.
Come join us and build your teacher team! $30/teacher or $25 if you bring a colleague.
25 Boulevard
Cornwall-on-Hudson, 12518
United States


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LocationMerrimack NH
35 Robert Milligan Pkwy
Merrimack, NH 03054
New 2019 Tiffin Motorhomes Phaeton 37 BHSleeps seven! Full-wall slide! Diesel pusher!
Tiffin Motorhomes Phaeton Class A diesel motorhome 37 BH highlights:
- Full and Half Bath
- Full-Wall Slide
- Convection Microwave
- Exterior TV
- Residential Refrigerator
- Shower with a Seat
If you are ready to explore the outdoors in style, then you need this Phaeton Class A diesel motorhome! From its ability to sleep seven people to its full and half bath, this unit delivers plenty of space where you need it most thanks to a full-wall slide that has been included in the design, and whenever the day becomes too dreary to stay outdoors, you can cozy up inside to watch a movie on one of the flat panel TVs.
Pamper yourself with an extraordinary level of comfort in the Tiffin Phaeton motorhome. The Phaeton is a tourist attraction on wheels with its full-body paint with a protective film on the front cap, and a large tinted one-piece windshield. The Phaeton is also known as a favorite brand among motorhome owners because of features like the 7' ceilings, three or four slides, and length options up to 45'. You can rest assured that in any Phaeton you'll find quality everywhere, even in the details, and you'll enjoy the smart refinements that enhance comfort and convenience throughout the coach, like the home theater sound system and central vacuum cleaner.
Stock# 42114
Chassis: Freightliner
|38 ft 2 in
|Ext Width
|8 ft 5 in
|Ext Height
|12 ft 7 in
|Int Height
|7 ft
|Hitch Weight
|10000 lbs
|Gross Weight
|38320 lbs
|Fresh Water Capacity
|90 gals
|Grey Water Capacity
|66 gals
|Black Water Capacity
|50 gals
|Tire Size
|Fuel Type
|Cummins ISL
|380 hp
|Fuel Capacity
|100 gals
|234 in
|Available Beds
|1150 ft-lb
|Refrigerator Type
|Stainless Steel Residential
|Convection Cooking
|Cooktop Burners
|Number of Awnings
|Axle Weight Front
|14320 lbs
|Axle Weight Rear
|24000 lbs
|LP Tank Capacity
|35.7 gals
|Water Heater Capacity
|10 gal
|Water Heater Type
|DSI Gas/Electric
|Basement Storage
|122 cu. ft.
|TV Info
|LR TV, BR TV, Ext. TV
|Awning Info
|Washer/Dryer Available
|Gross Combined Weight
|48320 lbs
|Shower Type
|Shower w/Seat
Scan this QR code with your smartphone to save this page and have mobile access to this unit's information.
Tiffin Motorhomes is proud to be one of the few family-owned manufacturers in the industry, and it makes a significant difference in how our company operates versus our competitors. For starters, with the Tiffin name on every coach, building a superior motorhome isn't just our occupation. It's a matter of personal pride, a pursuit we have committed our lives to perfecting.
*All calculated monthly payments are an estimate for qualified buyers only and do not constitute a commitment that financing or a specific interest rate or term is available. Financing terms may not be available in all Campers Inn locations. Campers Inn RV Sales is not responsible for any misprints, typos, or errors found in our website pages. Any price listed excludes sales tax, registration tags, and delivery fees. Manufacturer pictures, specifications, and features may be used in place of actual inventory in stock on our lot. Please contact us for availability as our inventory changes rapidly.


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With the Section Group in place, you will see a predefined section in place. You can start editing the Section according to your needs by updating the Section Caption. Move your mouse pointer over the caption and click on it to enter inline editing. You can also edit the caption from the right panel.
To add more sections to your Section Group: roll over it and click on the icon displayed on the right.
To edit your section group or a single section:
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Quick Note...
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Having trouble viewing this email? View it as a Web page.
August 27, 2018
Welcome to the inaugural OLAP newsletter! Please subscribe to stay up to date on OLAP walk-in area information.
The OLAP is entering its second year, and enrollment totals are currently:
Thank you to all the sportspersons whose ethical conduct resulted in a great 2017-2018. More walk-in areas are being enrolled for this fall, and updates will be issued as needed. Please continue being respectful to the land and the landowner, and report any wildlife violations to Operation Game Thief (1-800-522-8039).
Please visit the OLAP webpage to view maps, review regulations, etc.
New Walk-in Hunting Areas (Archery/Shotgun Only), Opens September 1, 2018:
New Walk-in Hunting Areas (September Only), Opens September 1, 2018:
New Stream Access (Annual access): Open now
New Walk-in Fishing Area (Annual access): Open now
New Walk-in Fishing Area (Seasonal Access: May 7 - Aug 31): Opens May 7, 2019
Removed from OLAP effective immediately.
No Walk-in Areas are currently Temporarily Closed.
Want to learn more about the Oklahoma Land Access Program? Click here to take the Interactive OLAP Tour.
Use the free ArcGIS Explorer App to bring the OLAP Walk-in Areas to your mobile device (data signal required). Once the app is installed on your device, search the Maps for "OLAP" and select the ODWC OLAP Web Map".
Click here to download the ArcGIS Explorer App on your Apple or Android mobile device.
Administered by the Oklahoma Department of Wildlife Conservation, The Oklahoma Land Access Program (OLAP) provides financial incentives to landowners who allow public access for hunting, fishing, stream access, and wildlife viewing opportunities on private lands. No additional permit is required by sportspersons to access OLAP walk-in areas, however hunting and fishing licenses are required, respectively, unless a person is exempt.
Consult regulations before entering OLAP Walk-in Areas. Visit the OLAP webpage to learn more.


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…accusations of insensitivity notwithstanding:
The attacks in Norway have recently opened a whole new front on gun debates. Not one person on that island where youths were gunned down was allowed by Norwegian law to carry a handgun to protect themselves or others — hence the high death rate. Had someone been carrying a concealed weapon, perhaps the deaths of many innocents could have been stopped.
There are those who say it's unfair and borderline mean to criticize Norwegians for the outcome of the shootings, and considering their culture it might well be. But that shooting still holds valuable lessons. The fact remains that the shooter (whose name I can't remember right offhand) still walked into a target-rich environment because of the Norwegian gun laws. And the outcome was exactly the same as it was at Virginia Tech in 2007, in the Luby's in Killeen in 1993, and at Fort Hood in 2009. It should be noted that the Luby's shooting was the catalyst for Texans finally getting their right to carry recognized, though it took getting rid of Governor Ann Richards for it to become reality finally. As far as I know that's the only instance of a mass shooting resulting in more permissive gun laws, and it took place in one of the more pro-gun states, one with an entirely different culture than Norway's. So I don't see them loosening their gun laws anytime soon in response to this. And the point about their culture is a valid one, but I don't see how that makes their gun laws any less wrong. Norwegians aren't any less deserving of the right to self-defense than Texans, are they?
Tags: politics


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Our People | Parslows
Stephanie Devine, one of our family law department lawyers, is to fight it out in the upcoming The Rock White Collar [1] charity boxing event on 18 May 2019.
Stephanie has chosen to raise for Friends of SCBU [2] a very worthy charity which helps young babies and families when treatment is required. The money raised will be used to purchase specialised equipment for the ward, and will also be used to further training and development.
Stephanie commented "SCBU have helped both by sister and her partner with their new born daughter and also close friends of mine. Both families have spoken so highly of the help and assistance they received and couldn't fault their work'.
Please donate to this worthy cause – click here to go through to the Just Giving page [3]
Parslows Jersey are proud to be sponsoring her in this event.


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Arjona Navajas, Rioja, Spain 2018
95% Tempranillo, 5% Mazuelo with a touch of oak.
An elegant and stylish young Rioja. Light and easy drinking with strawberry fruit flavours in abundance with a lovely soft and silky finish. To complete this wine a dash of Crianza (oaked and aged Rioja) is added giving an a extra dimension.
The perfect accompaniment to all kinds of meats, stews, salads and cold meats.
We personally select all our products to offer you the best quality and value we can find.
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Producers sometimes change their packaging and blends without informing us. If you are after a particular bottling or label design that is in the image please check with us before placing your order.
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Analog Devices (ADI) to Report Q2 Earnings: What's in Store?
Analog Devices, Inc. ADI is slated to report second-quarter fiscal 2019 results on May 22, before the opening bell.
The company's earnings surprise history has been impressive, as it surpassed estimates in each of the last four quarters, with an average of 4.13%.
Let's see how things are shaping up for this announcement.
Factors at Play
Analog Devices has been benefiting from strength in industrial, automotive, consumer and communications markets, along with increased focus on innovation and operational execution. These are positives for the to-be-reported quarter as well.
The automotive electronics market should continue to gain from consumer demand for added technology and features in new vehicles, along with the transition to hybrid and electric vehicles. Therefore, we expect automotive revenues to further increase in the to-be-reported quarter. The Zacks Consensus Estimate for automotive revenues is pegged at $251 million.
Also, the communications market should perform well in the quarter to be reported, driven by strength in the wireless segment. The accelerated build out of TD-LTE in China, continuing 4G network densification activities in the United States and expected deployments in Europe should benefit the communications segment. The Zacks Consensus Estimate for communications is pegged at $349 million.
However, softness in the consumer market is a major negative. Also, macroeconomic headwinds and geopolitical uncertainty remained overhangs during the quarter. Further, rising competitive pressure from Maxim and Texas Instruments may impact the upcoming results.
For the fiscal second quarter, the Zacks Consensus Estimate for industrial and consumer is pegged at $746 million and $155 million, respectively.
Earnings Whispers
Per our proven model, a stock needs to have both a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) to beat earnings estimates. That is not the case here as you will see below.
Earnings ESP: The Earnings ESP for the stock is 0.00%. You can uncover the best stocks to buy or sell before they're reported with our Earnings ESP Filter.
Zacks Rank: Currently, Analog Devices has a Zacks Rank #3, which when combined with a 0.00% ESP makes surprise prediction difficult.
We caution against stocks with a Zacks Rank #4 and 5 (Sell rated) going into the earnings announcement.
Analog Devices, Inc. Price and EPS Surprise
Analog Devices, Inc. price-eps-surprise | Analog Devices, Inc. Quote
Stocks to Consider
We see a likely earnings beat for each of the following companies in the upcoming releases:
Intuit Inc. INTU has an Earnings ESP of +0.59% and a Zacks Rank #2.
Autodesk, Inc. ADSK has an Earnings ESP of +0.18% and carries a Zacks Rank #3. You can see the complete list of today's Zacks #1 Rank stocks here.
Netflix, Inc. NFLX has an Earnings ESP of +1.03% and a Zacks Rank #3.
This Could Be the Fastest Way to Grow Wealth in 2019
Research indicates one sector is poised to deliver a crop of the best-performing stocks you'll find anywhere in the market. Breaking news in this space frequently creates quick double- and triple-digit profit opportunities.
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To read this article on Zacks.com click here.
Zacks Investment Research
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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We are happy to offer valets especially tailored to the needs of our clients who have vehicles adapted for disability. We also offer valeting for Motability clients who need valets at any time, but especially prior to Motability inspection or return.
We offer specialist valeting to clients in the special needs / care sectors who may require more than standard valeting packages.
Please call us to discuss your requirements and we will be happy to offer advice and a personalised quote without obligation.
Call us to discuss your requirements on


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Some of you at the Volunteer Appreciation Dinner asked for this recipe. So here it is...Enjoy! Lynette...
Cinderella Cake
2 cups sugar
4 eggs
1 cup vegetable oil
2 cups flour
2 teaspoons soda
2 teaspoons cinnamon
1/2 teaspoon salt
2 cups canned pumpkin
Beat sugar and eggs until light and well blended. Add oil slowly as you continue to beat.
Combine dry ingredients and blend into egg mixture, adding a 1/4 cup at a time.
Add pumpkin and mix well.
Pour into well-greased 9" tube pand and bake at 350 for 55 minutes.
Coachman's Icing
1 - 3oz pkg cream cheese
1 stick butter
1 lb powdered sugar
1 teaspoon vanilla
Beat until smooth
Tint light orange with food coloring, if desired. Decorate with curls of shaved baking chocolate, if desired.


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Black Stars attacker Christian Atsu, has declared their captain striker Asamoah Gyan as a "legend", saying he is a great player and an inspiration to them.
He said Gyan has achieved so much for the nation and continue to prove that, he is an asset to the nation.
"He is the kind of player we need in the team. Very effective and takes his chances when they come. He is the reason we have reached this far." Atsu told the media on Sunday.
Atsu who plies his trade with English side Newcastle United said, "Gyan holds the soul of the team and is the inspirational behind us, he has so far scored 49 goals and will need just a goal to hit the 50th mark.
"This will be historic and even before he gets there I think he is a legend of our time.
"Gyan is a legend and we hold him in high esteem and we hope he continues with his good form in the competition to help us win the cup." Atsu declared.
Atsu who one of the best players in the competition, has far won the Man of the Match award, against Uganda in the Group D opener, with Ghana winning by a lone goal from Dede Ayew.
The Black Stars will come up against old foes Egypt on Wednesday 25th January, 2017 in the final Group D game as the stars have qualified already with 6 points and Egypt on 4 points from two games.
Source: GNA
Send your news stories to [email protected] and via WhatsApp on +233 234-972-832


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Speaker: Sam Upham
Nehemiah 13:15-31
Additional notes for the Spring 2018 Sermon Series
Nehemiah 13:15-31
15 In those days I saw people in Judah treading winepresses on the Sabbath and bringing in grain and loading it on donkeys, together with wine, grapes, figs and all other kinds of loads. And they were bringing all this into Jerusalem on the Sabbath. Therefore I warned them against selling food on that day. 16 People from Tyre who lived in Jerusalem were bringing in fish and all kinds of merchandise and selling them in Jerusalem on the Sabbath to the people of Judah. 17 I rebuked the nobles of Judah and said to them, 'What is this wicked thing you are doing – desecrating the Sabbath day? 18 Didn't your ancestors do the same things, so that our God brought all this calamity on us and on this city? Now you are stirring up more wrath against Israel by desecrating the Sabbath.'
19 When evening shadows fell on the gates of Jerusalem before the Sabbath, I ordered the doors to be shut and not opened until the Sabbath was over. I stationed some of my own men at the gates so that no load could be brought in on the Sabbath day. 20 Once or twice the merchants and sellers of all kinds of goods spent the night outside Jerusalem. 21 But I warned them and said, 'Why do you spend the night by the wall? If you do this again, I will arrest you.' From that time on they no longer came on the Sabbath. 22 Then I commanded the Levites to purify themselves and go and guard the gates in order to keep the Sabbath day holy.
Remember me for this also, my God, and show mercy to me according to your great love.
23 Moreover, in those days I saw men of Judah who had married women from Ashdod, Ammon and Moab. 24 Half of their children spoke the language of Ashdod or the language of one of the other peoples, and did not know how to speak the language of Judah. 25 I rebuked them and called curses down on them. I beat some of the men and pulled out their hair. I made them take an oath in God's name and said: 'You are not to give your daughters in marriage to their sons, nor are you to take their daughters in marriage for your sons or for yourselves. 26 Was it not because of marriages like these that Solomon king of Israel sinned? Among the many nations there was no king like him. He was loved by his God, and God made him king over all Israel, but even he was led into sin by foreign women. 27 Must we hear now that you too are doing all this terrible wickedness and are being unfaithful to our God by marrying foreign women?'
28 One of the sons of Joiada son of Eliashib the high priest was son-in-law to Sanballat the Horonite. And I drove him away from me.
29 Remember them, my God, because they defiled the priestly office and the covenant of the priesthood and of the Levites.
30 So I purified the priests and the Levites of everything foreign, and assigned them duties, each to his own task. 31 I also made provision for contributions of wood at designated times, and for the firstfruits.
Remember me with favour, my God.
New International Version – UK (NIVUK)Holy Bible, New International Version® Anglicized, NIV® Copyright © 1979, 1984, 2011 by Biblica, Inc.® Used by permission. All rights reserved worldwide.
Additional notes compiled by David Sharpe for the Growth Groups' Spring 2018 Series


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Lord Of The Rings actor Andy Serkis has defended Scarlett Johansson after the backlash of her being cast to play a transgender man in movie Rub & Tug.
After she accepted the role of Dante 'Tex' Gill, a notorious massage-parlour operator in the 70s and 80s, Scarlett received a huge amount of backlash from people who argued that the role should be played by a transgender person.
However, Andy, who's well-known for playing Gollum in the Lord Of The Rings films, wasn't one of them
He told Variety: 'I absolutely disagree. I really, vehemently disagree.'
He added: 'Actors should be able to play anything, and that's why I love performance capture technology.
'What should be the point is that whatever colour your skin is, whatever shape you are, whatever height you are, whatever your makeup is as an actor, you should have the ability to play anything.'
It's a controversial view to say the least.
Scarlett decided to pull out of the film not long after her casting, following the huge amount of backlash.
Explaining to Out Magazine in a statement, she said: 'In light of recent ethical questions raised surrounding my casting as Dante Tex Gill, I have decided to respectfully withdraw my participation in the project.
'Our cultural understanding of transgender people continues to advance, and I've learned a lot from the community since making my first statement about my casting and realize it was insensitive.
'I have great admiration and love for the trans community and am grateful that the conversation regarding inclusivity in Hollywood continues.
'According to GLAAD, LGBTQ+ characters dropped 40% in 2017 from the previous year, with no representation of trans characters in any major studio release.
'While I would have loved the opportunity to bring Dante's story and transition to life, I understand why many feel he should be portrayed by a transgender person.'
It wasn't the first time Scarlett was criticised for her role choices as she was accused of whitewashing 2017 film Ghost In The Shell.
Scarlett was controversially cast as Major Motoko Kusanagi, a character who was Japanese in the original series that the film was based on.
Got a showbiz story?
If you've got a celebrity story, video or pictures get in touch with the Metro.co.uk entertainment team by emailing us firstname.lastname@example.com, calling 020 3615 2145 or by visiting our Submit Stuff page - we'd love to hear from you.
MORE: Scarlett Johansson and boyfriend Colin Jost are full of sweet affection on red carpet at Natural History Gala
MORE: Will Marvel's Black Widow make sacrifice play in Avengers 4?


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Do you know your net worth? We didn't for many years. We spent the first 17 years of our marriage with our heads in the sand when it came to our money. Honestly, we didn't want to know what our money situation was because that might mean we have to be responsible for our financial situation. How many of you have been there?
Facing our financial situation in 2013 was tough – really tough. When we finally looked at our spending at debt numbers, we found a massive mess. I spent a good 4 months after we started our debt payoff journey kicking myself for the fact that we didn't get our stuff together earlier.
It's tough to face up to your financial situation if things aren't healthy, and for that reason we never calculated our net worth, either. About 5 months into our debt payoff journey I figured out our net worth. And guess what? It actually helped us on our debt payoff journey. Why? Here are 5 reasons why knowing your net worth will help you improve your financial situation.
Calculating Net Worth
I guess we'd better start here. If you've never learned how to calculate your net worth, never fear – it's pretty simple.
Step 1: Make a list of all liabilities. Every person you owe: your mortgage, car or other loans, credit cards, mom and dad, student loans, whatever. Tally up the total. Here's a sample:
Mortgage: $250,000
Car Loan: $8,000
Student Loan: $4,500
Credit Cards: $6,500
Total: $269,000
Step 2: Make a list of all assets. This includes your house value if you're a homeowner, the value of any cars, boats or other large recreational vehicles you own, any bank, money market, retirement or investment accounts, and any other valuable assets. Here's a sample:
Home Value: $300,000
Car Value: $8,500
Investment Accounts: $9,000
Bank Savings/Money Market Accounts: $2,000
Retirement Accounts: $150,000
Total: $469,500
Step 3: Subtract your liability number from your asset number, like this:
Total Assets: $469,500
Total Liabilities: $269,000
Some people don't like to include retirement accounts in a net worth figure, in which case the fictional person above would have a net worth of $50,500.
As you can see, figuring our your net worth is pretty straightforward and simple in most cases, regardless of whether or not you like the numbers you see. Now, here are five reasons why it's beneficial to know your net worth.
Your Net Worth Number Gives You Your Whole Financial Picture
Knowing your net worth means you know exactly where you stand financially. It's the number that says "If I had to sell everything I own and pay off all of my debts today, this is how much cash I'd have." If you're looking to know that number, it's best to not include your retirement accounts in your net worth figure, especially if you're under age 59 1/2.
Your Net Worth Number Gives You a Sound Starting Point with which to Set Financial Goals
If you know your net worth, you can better determine where you'd like to be financially. It's easier to set realistic and attainable goals if you're going off of a net worth number as your starting point because you can also determine the net worth you'd like to have in place based on achievement of those goals.
Knowing Your Net Worth Helps You Focus on Something Other than Debt
Personally, we found simply focusing on debt highly overwhelming. When we learned to also focus on our net worth as a whole, the picture didn't seem as bleak and we were more encouraged as we worked to accomplish our goals.
Knowing Your Net Worth Helps with Financial Prepping
If you're ever in a situation where you need money NOW (such as in a job layoff situation, economic crisis, etc), knowing your net worth, where all of your assets are and what your liabilities are will help you to be able to determine quickly how you can access your funds to cover expenses if need be. When you have an up-to-date picture of your net worth, you know right now where you can pull money from and what needs to be paid.
Knowing Your Net Worth Helps You to Better Plan for the Future
If you know your net worth, you can more accurately calculate exactly how much more money you need for retirement and other future endeavors. When it comes to retirement – early or otherwise – the income and savings factor isn't the only factor that matters: the debt factor matters too. Knowing your net worth and having a clear picture of all numbers in front of you helps you determine exactly what you need to do to prepare financially for future events.
If you haven't calculated your net worth, do it today. This highly valuable, quick-to-do activity can bring you peace of mind in a number of ways.
Do you know your net worth? If so, how has tracking it helped you financially?
*Photo courtesy of Pictures of Money


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This idea was adapted from Mike Gershon's new book, More Secondary Starters and Plenaries – which I can highly recommend.
The activity involves giving students four conflicting statements based on a topic being studied. So, for example, changing Nazi tactics in the 1920s four statements could be –
The change in tactics was successful for the Nazis.
The change in tactics was unsuccessful for the Nazis.
By 1929, the Nazis were still an insignificant party.
Mein Kampf was very important in helping the Nazis change tactics.
Students would then have to gather evidence either based on prior learning [if used as a starter] or from that lesson [if you were to use this as a plenary]. This can be extended to students having to write a paragraph or two if this was to be used as an extended activity. Then would tick the statement that they find the most convincing and explain why they have chosen the particular statement. Alternatively, students can share their ideas and evidence with their neighbours and can be given time to write additions or amendments to their own work after listening to others.
This, I think, is a very effective activity and can encourage students to apply their knowledge to show their progress rather than repeat what has been learned from a text book or other such teaching resource. Also it can display higher order thinking skills, such as synthesis and analysis. Even better, this takes little preparation on the teacher's part. The resource below which I give to students for this activity takes very little time to prepare and can easily signpost student progress.


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If you've been arrested and charged with a criminal offense, you're going to stand trial if you choose not to accept a plea bargain or one is not offered to you. This is a serious accusation, and it might come complete with a rebuttal phase. Criminal trials are not to be taken lightly. The accused person is facing trial against the state or government, and the prosecuting attorney is doing everything in his or her power to ensure the person facing trial is found guilty by the jury. The prosecutor wants a guilty charge issued, and they'll stop at nothing to prove their case. Your trial has several different stages. The prosecutor is permitted to provide evidence and speak to witnesses. Your attorney is permitted to the same. Both are permitted to discuss their own questions with the opposing counsel's witnesses, and the prosecutor is offered something called a rebuttal phase.
What is the Rebuttal Phase of a Criminal Trial?
This is a phase that's important to understand. It occurs following the completion of the defense attorney and prosecuting attorney's cases. The prosecution is given this time to respond to what happened when the defense took the stage. It's precisely what it sounds like. It's the prosecutors chance for rebuttal following the defense attorneys case. This means the prosecutor has a chance to ask questions, to find out what something means, to argue his case against the defense attorney, and to try and bring the case back around to his way of seeing.
The biggest issue in this phase of a criminal trial is the prosecutor can bring in new witnesses not previously declared. In other parts of the trial, both counsels must provide a list of their witnesses and there are no surprises allowed. When the rebuttal phase begins, there are all kinds of surprises possible, and it's rarely good for the defendant.
Typically, a prosecutor uses this time to discredit the evidence provided by the defense. If the defense offers an alibi, the prosecutor has the chance to say this is not true and provide his or her own evidence as to why. It's not foolproof, but it can work to the favor of the state. If the jury is not convinced the defendant is innocent, they might decide on a guilty verdict.
On the opposite side of the same spectrum is the benefit of this phase. It might be precisely what the defense needs to make sure the jury isn't sure. The purpose of a jury in a criminal case is to find the defendant guilty beyond a reasonable doubt. If the prosecutor casts doubt onto his own case trying to discredit that of the defense, it works to the defense's favor. The jury night not be able to honestly say the defendant is guilty beyond the shadow of a doubt.
Rebuttal and the Defense
There is a chance for the defense to speak during the rebuttal phase. If the prosecutor brings out new witnesses, the defense attorney does have a right to discuss the case with him or her by cross-examining the new witness. The downfall is the defense attorney doesn't have ample time to come up with questions, to discuss the options they have, or to do any research on this person. They can only ask questions when given an opportunity, and that sometimes works to the prosecution's case.
The rebuttal phase of a criminal trial is imperative to the outcome of any case. If you are being accused of a crime you feel you did not commit or should not be punished for, it's time to call an attorney before you go to trial. Having someone on your side to represent you when the law allows for so many instances you're unfamiliar with is helpful. Your case is stronger when you have a defense attorney on your side. Our knowledge of the law allows us to help your case by either getting you off completely, negotiating a plea bargain, or by reducing the terms of your sentencing. Let us help you when you need it the most in life.
Todd is a miracle worker who will work tirelessly for you and your family. He is one of the few attorneys i've met - who I earnestly trust to protect me, and who I am happy to refer to our friends and fellow family members. The Spodek Law Group is someone you want on your side, because they will treat you just like family. Todd and his team are available 24/7, and they always answered our calls. Even when we were being irrational, and crazy - they were calm and super helpful. Just call Todd. He gives you a free consultation and is very understanding.- Donna & Robert
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Privacy – why it is worth fighting for
The C.I.A. of application security!
Building a sustainable defence: How to secure your operational technology (OT) environment
Migrate to Cloud Services without Jeopardizing Security and Compliance
The Devil is (often) in the Software
Privacy – why it is worth fighting for
Privacy is a fundamental right recognized in the UN Declaration of Human Rights. Along with the freedom of speech, privacy has been one of the most disputed human rights issues of the digital age.
The technological evolution has happened so rapidly and made many things possible in the ways we communicate, how we analyze data and how we market and procure products across the globe. The benefits have been great, and there is no disputing this. However, our data privacy control is inversely proportional to the growing strength of our smartphones, which most of us tend to ignore or are unaware of.
"If you have nothing to hide, surveillance shouldn't be an issue"
Nothing to hide means not having to worry. This understanding is now commonly heard in the public debate. Some commentators even declare privacy dead in a world where openness and transparency seem to be key drivers in everything we do. Mark Zuckerberg, the founder of Facebook, has stated that "
privacy is no longer a social norm
" when confronted with this issue.
While we accept insecure processing of our private data every day when using our phones our tablets or when we go to the doctor, few of us would willingly share the password to our personal e-mail-account. We might want to share what we eat on Instagram, but few would happily display their browser history with the same enthusiasm. We still have curtains in our windows at home – not because we want to hide some criminal behavior – but because we actually value our private space. Mark Zuckerberg is no different; he bought the four properties surrounding his house in California,
to shield his own family's privacy
The point is, that if you know you are being watched, your behavior changes. Brilliant ideas that come of a string of nonsensical, immature ideas are simply less likely to happen under surveillance. Therefore cyber surveillance and cyberattacks are not only serious threats to our national infrastructure, trade secrets and our bank accounts, but also on the more subtle and intangible subjects such as human creativity and vulnerability.
This opacity about the whereabouts and uses of our data and may be a reason why we don't object to this course. We do not perceive the threat as real.
Is it too late?
Information technology is relatively new, Facebook and smartphones kicked off in 2006. It is no surprise that security was not the developers' first priority. Security often comes second or later in product development, rarely first.
Just as we today enjoy cars with high security standards in terms of airbags, stronger constructions and less polluting engines, developers of IT are about to meet similar demands for higher security standards in terms of encryption, access management, privacy by design, etc.
Vendors of physical consumer goods are subject to product liability to compensate consumers who suffer losses due to defective products. IT companies must become subject to a similar product liability, should they fail to protect our personal data. Otherwise there is too little incentive for IT-companies to invest in expensive security features.
New EU data Protection regulation
The existing European Data Protection Act from 1995 imposes strict obligations on companies and the public sector to ensure sufficient protection of personal information.
However, most member states have taken a lenient approach regarding non-compliance and many National Data Protection Agencies have had limited resources to audit the security practices of the private and public organizations they are supposed to oversee. For those reasons data processors have struggled to implement privacy in their system designs and offset the costs of implementing the necessary security controls.
The new EU General Data Protection Regulation (GDPR) is likely to become the burning platform that has been missing. It imposes strict requirements on data processor companies and organizations with hefty fines of up to 4% of their yearly global turnover.
The GDPR is expected to be formally approved any time soon (early 2016)[1] followed by a two-year implementation period where organizations must change their way of managing data.
What European businesses must do
The GDPR requires data processors to classify the personal data they're responsible for, map their data-flows to specific processes, systems and users, and conduct privacy impact assessments based on data's sensitivity and the vulnerability of their systems.
All identified risks must be mitigated, appropriate technical and organizational controls must be selected, implemented and monitored. It is a complex, continuous effort and most organizations do not know where to start. National Data Protection Agencies will be given the resources necessary for onsite audits beginning in 2018.
An extremely difficult challenge lies ahead of the data processors and is likely to require a lot of effort and to drastically change the way IT systems are designed and operated in the future.
While the tasks before us may appear daunting; it should also be viewed as a welcome opportunity to regain control of our privacy.
[1] The new General Data Protection Regulation (GDPR) was approved by the responsible committee of the parliament in December 2015. The regulation will be presented at a plenary session in the Parliament in the first months of 2016 and in February the head of the governments in the member states is expected to vote on the regulation.
About NNIT Security Insights
NNIT Security Insights is a regular column where prominent NNIT IT security advisors share their thoughts on current and future IT security challenges and how to deal with them.
NNIT has its own Computer Emergency Response Team (CERT). If lightning strikes, we have the necessary competencies in-house to respond and assist. We have also developed a range of services that can help businesses to achieve the right level of security protection to protect the business from financial and reputational damage.
You are welcome to contact us at firstname.lastname@example.com if you want to know more about how NNIT can help your business increase its information security level.
Steve Peacock
+45 30778428
GDPR Consulting Director
Steve Peacock
NNIT Security Insights
NNIT Security Insights
Risky Business?
Risky Business?
Ransomware 101
Ransomware 101
Cybersecurity Awareness – The First Line of Defense
Cybersecurity Awareness – The First Line of Defense
The Fine Art of Aligning Business Strategy and Information Security Strategy
The Fine Art of Aligning Business Strategy and Information Security Strategy
Privacy – why it is worth fighting for
Privacy – why it is worth fighting for
The C.I.A. of application security!
The C.I.A. of application security!
Migrate to Cloud Services without Jeopardizing Security and Compliance
Migrate to Cloud Services without Jeopardizing Security and Compliance
Building a sustainable defence: How to secure your operational technology (OT) environment
Building a sustainable defence: How to secure your operational technology (OT) environment
How to Keep Industrial Computer Systems (ICS/SCADA) Running in an Age of Cybercrime?
How to Keep Industrial Computer Systems (ICS/SCADA) Running in an Age of Cybercrime?
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Saturday, April 26, 2014
Introduction Meme
1) What fine part of the world are you reading from today?
The Woodlands, Texas
2) Which book in your stack are you most looking forward to?
The Walking Dead, a Christmas present from my husband
3) Which snack are you most looking forward to?
Carrot Cake Dip
4) Tell us a little something about yourself!
I had to say goodbye to my sweet cat Clara yesterday as she was very ill. I'm really hoping to lose myself in a book today.
5) If you participated in the last read-a-thon, what's one thing you'll do different today? If this is your first read-a-thon, what are you most looking forward to?
I'm not cheering this year for the first time in awhile. I just wanted to focus on reading.
Posted by Jenn and The Cats of Castle Coull at 10:40 AM
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text: I haven't tried the app but the site is nice and clean. I'm a little thick upstairs so think the "How it works" page could be simplified a bit more, maybe like an end to end scenario walk-through. Also would suggest you revisit the pricing plans and support model. Maybe provide email only support to the Basic package and consider upping the 2nd level package to something like $69 for 3 channels.


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Posted on 25th Jun 2011
With everyday we spend more and more time shopping online. Just to think about, even 15 years ago we only knew a traditional way of shopping – purchasing goods from a physical store. But today we can buy almost anything at a convenience of our own home and have almost anything delivered to our door steps in just a few days. FedEx and UPS guaranty the safe delivery of out purchases and website security systems assure the safety of our personal information.
Buying a watch is not as complicated as many people might think. However, there are some things you should be aware of before making this decision:
Speed. Make your selection. Enter your information. Then click a button. It's as easy as that. And all from your own computer siting on your own couch. Well, delivery takes time, but UPS or FedEx are going a great job delivering any item anywhere in a matter of a few days.
Convenience. Compare luxury watch shopping experience with shopping at a mall jewelry store or department store: you rush to get there, fight traffic, compete for parking, get shoved by crowds, endure pushy salespeople, suffer long lines at the register… By the time you get home with your purchase, you're drained. And if you need to return the item, you can look forward to going through this hassle all over again. Unless you like socializing with complete strangers, than traditional shopping experience is your only option.
Selection. Online Watch Stores have the capacity to offer a much wider selection of merchandise for sale in one place than either a traditional store or catalog. This means you can uncover some truly unique jewelry items you won't find anywhere else. In case if you can't make a choice (sometimes it happens), than you can always come back and it won't mean driving or standing inline.
Value. Because an Internet retailer has lower inventory and other overhead costs than a bricks-and-mortar retailer, these savings can be passed on to you, the consumer, in the form of great deals on the latest merchandise. We (online retailers) don't have to hire a skillful salesperson or decorate out store to make it more attractive. We just need to maintain our websites and keep out inventory in check; it does cost lots of money, but nearly as much as traditional stores.
Physical Contact. You don't actually see the watch, you don't have a chance to hold it in your hands or to try it on. However, most website offer high resolution pictures, sometimes even videos, list watch's measurements and it should give you an idea about what you'll get.
Warranty. Luxury watches sold online by "unauthorized retailers" - no exceptions. What it means is that in case if something goes wrong with your watch – we will have to fix it ourselves. But fixing luxury watches is our everyday business and this is something that we can do quite easily. And lefts face it – these watches are made to work for centuries; it is hardly unlikely that you will ever need to repair it in the near future.
Returns. In case if you changed your mind or don't like your new Swiss watch you will have to puck it up and return to us. Yes, it means keeping all the original packaging and packing the watch just the way you've got it. And yes, it means going to UPS or FedEx to drop it off. It could be a hassle, but I don't think it can be that complicated.
Bottom Line: If you want an affordable Rolex, Omega, or Breitling - we are here for you. We will not try to pressure you to buy something that you don't want and we will take it back if you don't like it. Purchasing an expensive watch is not any different that buying a toothbrush – the only thing that you'll have to do is to decide which one you truly want.


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Eilidh Child will be on the TV next week, however not on the track but in the studio where she will be taking part in BBC's A Question of Sport.
This will be shown on Friday 29th November at 7:30pm in Scotland (some other regions will be Wednesday 27th).
Full details are here:


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On the way back home, Ali finds a wounded person who was assassinated by two person driving a motorcycle and informs his uncle, Amir, to take the wounded person whose name is Mahmoud to a hospital. Amir who is an information agent starts an investigation about terrorism. But after a short while, Mahmoud is disappeared. Mahmoud who was a member of a small group and helped them as a bomb planter is being followed by them because of some disputes and is finally murdered. Continuing his investigation, Amir recognizes their hidden place and causes them a lot of troubles.