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PepsiCo (PEP) is one of the most popular stocks among dividend investors worldwide. The American multinational food and beverage corporation is well known for stable growth and solid performance. Although the beverage industry is currently facing headwinds, PepsiCo is still a worthwhile investment.
Activist Investors
There are many shareholders waiting for a Dorito spinoff. Until that happens the below is the key Pepsi attributes. This is a blue chip company with a rising interest rate, a constant influx of new products, and a head-to-head battle with Coca-Cola $KO.
Market outlook: Beverage industry is in a downturn; players focus on emerging markets and product innovation
The market for carbonated soft drinks has been under pressure recently. Sales are decreasing, primarily in developed economies. One reason is lower consumer spending in the US and Europe. That could change as the US economy is showing signs of recovery. However, this trend could also lead to a stronger US Dollar, which harms multinational corporations like PepsiCo. Furthermore, the Federal Reserve Bank (Fed) will probably increase interest rates this year, which could appreciate the dollar even more.
Another reason is that consumers shift towards healthier products. Therefore, PepsiCo invests heavily in product innovations. The company will offer new drinks based on more natural and healthier ingredients compared to previous products. PepsiCo announced for example an aspartame free Diet Pepsi and strives to make its snack products more appealing to health-focused customers.
In general, PepsiCo is focusing more on emerging markets and developed a clever brand building and distribution strategy. A great example is PepsiCo's new alliance with Starbucks. Both companies entered a partnership to sell coffee and energy drinks in Latin America. Moreover, on the contrary to major competitor Coca-Cola, the snacks division accounts for more than 50% of PepsiCo's valuation. That provides an advantage considering the drop in sales of carbonated soft drinks.
Organic revenue is growing but profit suffers from currency effects
PepsiCo generated $15.9 billion in revenue in the second quarter (Q2) of 2015. Compared to its major competitor Coca-Cola, PepsiCo is performing well. Organic revenue grew by 5.1% (Coca-Cola: 5%) and core constant currency earnings per share increased by 11% (Coca-Cola: 13%). PepsiCo's earnings growth has been steady over the last years, including the years of the Great Depression.
Adjusted earnings per share came in at $1.32 in Q2 2015, which was slightly higher than estimates predicted. As the beverage market is in a downturn, most of the additional revenue came from the snacks business and intensified operations in emerging markets. PepsiCo's global snacks were up 8% while the beverage business grew by only 2%.
The strength of the US dollar weighs heavily on PepsiCo's profits, because the company is currently operating in more than 200 countries. Obviously, the dollar rally will not continue forever, so long-term investors should look at currency-adjusted values. In Q2, PepsiCo's core constant currency operating profit grew by 8%. However, short-term investors should look at the non-adjusted values, because profits are reported in US dollar and that will be a problem during the next months, maybe even during the next years.
PepsiCo offers a strong 2.9% dividend yield, although only 50% of the free cash flow is used to pay out dividends
PepsiCo is considered one of the most valuable dividend stocks worldwide. It has a strong 2.9% dividend yield and an impressive track record of more than two decades of dividend growth. The company never missed or lowered its dividends, which it pays in quarterly installments. In the past decade, the smallest dividend increase was 5%, which is still quite high. Not many companies can make that claim.
A steady cash flow is the most important indicator for the ability to maintain a strong dividend record. PepsiCo's cash flow clearly supports its dividend policy. The company is only using half of its free cash flow to pay out dividends. Therefore, PepsiCo will also be able to maintain its high dividends, if the cash flow drops. Furthermore, it means that there is more than enough room to continue to grow dividends over the coming years.
The remaining free cash flow is used to buy back shares. The company has done that over the last years and the management has already announced that they will continue to buy back shares worth several billion US dollars each year. That reduces the ability to pay dividends somewhat, but the door is still wide open for further growth.
Price-to-free cash flow ratio indicates moderate undervaluation
In most cases, investors look at the correlation between price and earnings or between price and net income in order to estimate whether or not a company is undervalued. PepsiCo is currently trading at a trailing PE ratio of 22.5x (Coca-Cola: 25.8x) and a forward PE ratio of 19.8x (Coca-Cola: 19.0x).
However, in case of dividend stocks, it makes more sense to look at the correlation between price and cash flow, because dividends are a real cash disbursement, while earnings and net income are non-cash accounting metrics.
PepsiCo's stock price is highly correlated to their cash flow. The price-to-free cash flow ratio based on Q2 figures is 18.7x. The median during the past 13 years was 21.3x, ranging from 16.6x to 32.9x. Looking at this ratio, the company seems to be moderately undervalued.
PepsiCo won't face liquidity problems any time soon, but interest expenses weigh on profit margin
PepsiCo has about $23 billion of long-term debt and short-term obligations of $8.4 billion. Most of the long-term debt will not mature before 2020 and the company has sufficient credit facilities (more than $7.5 billion, which can be extended to $9 billion) to cover its short-term debt. Therefore, PepsiCo will not face liquidity problems any time soon. URL?
However, their current interest coverage ratio is 10.4x, which is slightly lower than the ratio of major competitors (Coca-Cola 12.3x). Hence, the company earns lower profits relative to their interest expenses than its competitors. That squeezes PepsiCo's profit margin. However, the company makes an effort to save costs and diversify its product line in order to increase profits.
Conclusion: PepsiCo is a safe and stable investment for retirement investors who are interested in dividends and capital gains
Listed among the best SAFE dividend stocks, PepsiCo is a great company for dividend investors. Growth investors will find better stocks, but PepsiCo offers potential for capital gains as well.
Looking at the fundamentals, PepsiCo appears to be a stable company. Steady earnings growth in a down-turning market demonstrates the management's ability to address issues through strategic planning.
Currency effects are weighing on profits, short-term investors should pay attention to this issue. Liquidity risks are low and cash flow data shows that dividends are relatively safe and will most likely continue to grow. The stock is a buy at 22.5x P/E multiple (18.7x price-to-free cash flow multiple) and 2.9% dividend yield. Investors who buy for income and retirement purposes should take a look at PepsiCo.


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Opening scene is of David masturbating in a room (he's donating sperm). He later learns that, due to multiple donations, he is the biological father of 533 children.One of David's children is gay, and is shown kissing a man in the city bus.David's friend tells him he can't have decent erections anymore. After David's lawyer friend accidently reveals Starbuck's first name, he corrects himself by saying that he and ''David'' are lovers, and that David has nothing to do with Starbuck
David owes money to loan sharks, who show up several times in his apartment. In one scene he even holds a baseball bat for his own protection when he thinks they're coming again (they're not)
Frequent, although not constant, swearing
One of David's children is a drug addict, and she injects herself a drug.To make money, David grows and sells marijuana (no one is ever shown smoking it)
one scene is particularily emotional when David visits one of his kids, who turns out to be physically and mentally handicapped.
Find showtimes, watch trailers, browse photos, track your Watchlist and rate your favorite movies and TV shows on your phone or tablet!


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Bridging the Gap: Becoming a Blackjack Pro
Bridging the Gap: Becoming a Blackjack Pro
If you are an amateur blackjack player, you may well dream of developing your skills and competing for huge jackpots in professional tournaments. While this is an achievable goal, however, it requires a great deal of determination and time to advance to the point where you can compete with skilled and experienced professionals. The most important thing is that you commit to learning about the game and creating a strategic plan of action, which can be implemented gradually as you continue to develop.
How to become a Professional Blackjack Player
With this in mind, what are the practical steps that you can take to become a professional blackjack player?
Practice Extensively
This may sound obvious, but it surprising to note how many amateur players fail to practice or hone their skills over time. The amount of time that you play correlates directly with your level of performance, as there is no substitute for real-time game and tournament experience. To achieve this, you should consider playing regularly online and competing in live tournaments with low stakes as a key part of your development. One of the main advantages of online gameplay is its rapid nature, as this translates into a high volume of playing time and can enable you to develop excellent instinct and experience.
Learn from the Masters
We live in an age of digital and remote communication, where it is easy to access, collate and share information in real-time. This means that the achievements of the worlds' best blackjack players and their individual strategies have been laid bare for everyone to see, and this type of information is invaluable for ambitious amateurs. You should absorb this and use it is as a foundation for your future growth, as it affords a practical education that has been proven to turn skilled and keen amateur players into successful professionals.
Use Data to Analyse Rival Players
In many ways, it is detail and psychology that separates great sportsmen from those who are merely good. Players who analyse their rivals and create detailed strategies are more likely to succeed over time, for example, while unbreakable self-confidence enables them to implement their variable game-plans successfully. By paying attention to the smaller details of your rivals' psyche and playing style, you can gain an invaluable competitive edge and achieve success in even the tightest of games.


text:
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text:
19 May 2009,
London, South Kensington
Price realised GBP 1,062
Estimate GBP 600 - GBP 900
Thirtyfour Parking Lots in Los Angeles. Los Angeles: for the author, 1967.
Quarto (255 x 200). 34 black and white photographs, one of these with a tipped-on flap. Original white card covers printed in orange, original glassine dust-jacket (some wear on the covers, dust-jacket worn with large chips and tears, and yellowed). Provenance: Ed Ruscha (gift inscription to:) -- Mike Salisbury (noted American graphic designer and photographer).
FIRST EDITION, PRESENTATION COPY, INSCRIBED BY RUSCHA: 'For Mike [Salisbury]. Ed Ruscha'. The Open Book, pp.198-99; The Photobook, vol. II, pp. 140-41.
New York +1 212 636 2000
London +44 (0)20 7839 9060
Hong Kong +852 2760 1766
Shanghai +86 21 6355 1766
Special Notice
No VAT on hammer price or buyer's premium.


text:
Wonderful is not enough to describe the feel about staying this hotel. We stayed two days at Lagoon Villa this time. All I can is this hotel should be worth to rate 8 stars! Every details they think for you already. All the smiles on...More
Getting you more information on this room
Getting you more information on this room
"Choose overwater bungalow further from the resort centre for better view and privacy."


text:
The Making of Me
|The Making of Me
|Future World
|Opening date
|October 30, 1989
|Closing date
|January 1, 2007
|Replaced by
|Various movies
|General statistics
|Attraction type
|Bruce Broughton
|Martin Short
|Jay Daniel [1]
|Written and directed
|Glenn Gordon Caron [2]
The Making of Me was a 1989 film about conception and birth directed by Glenn Gordon Caron and starring Martin Short. The film was shown at the Wonders of Life pavilion at Walt Disney World Resort's Epcot when the pavilion was open. As of 2007, the theater remains open during the International Food & Wine Festival; however, the film being shown is about food.
As of 2008, Martin Short now stars in an unrelated short film in the Canada pavilion of Epcot.
Martin Short tells the story about how we are born, by explaining how his parents met during the course of their lives - at a high school dance, getting married, on their honeymoon, and having a baby for the very first time.
The film also explains the process of fertilization between sperm and egg cells in an animated segment that last about 1:30 minutes, as well as the development of the fetus by using imagery of fetal development taken by Lennart Nilsson (previously appeared in Nova's "Miracle of Life".[3])
The attraction closed along with the rest of the pavilion on January 1, 2007. During the 2007 Epcot Food & Wine Festival, the marquee located outside of the attraction was covered by a curtain. During 2008, the marquee was once again visible, but the movie did not show. [4]
From 2008 onward, the theatre has been used to screen "Seasons of The Vine", a film formerly shown at Disney's California Adventure, during the Food and Wine Festival. During the Flower and Garden Festival, the theatre is called The Garden Theatre.
According to producers, the film was "...somewhat a departure for a Disney attraction", and mentions that the film "may elicit controversy" in regards to the issue of abortion; fortunately, the intent was "to not walk into the teeth of the (abortion) issue."[3]
Given that birth and conception is a sensitive issue around families, an advisory sign was placed near the entrance of the theater, in order to advise parents to decide whether the film is suitable for their children.
See also[edit]
- ^ Jay Daniel https://www.flickr.com/photos/69987114@N00/421583524/
- ^ Glenn Gordon Caron http://www.imdb.com/title/tt0097817/
- ^ a b [1] "Epcot Film on Birth May Prove Controversial" Sarasota Herald Tribune, Oct 30th, 1989
- ^ http://www.yesterland.com/erasing.html


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Pawn Sacrifice is a new film from Edward Zwick about the brilliant, disturbed chess prodigy Bobby Fischer. Tobey Maguire plays Fischer and Liev Schrieber plays his nemesis, Boris Spassky. Here's the trailer: Some viewers may be puzzled by the prominence of a Catholic priest in the trailer. The IMDB entry doesn't list the character's name, but [Read More…]
Who Is That Priest in the "Pawn Sacrifice" Trailer?
May 29, 2015 by


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Viz http://www.vanityfair.com/online/daily/2012/07/microsoft-downfall-emails-steve-ballmer.print, a komentáře pod článkem. Některé věci jsou opravdu hloupé:
Eichenwald's conversations reveal that a management system known as "stack ranking"—a program that forces every unit to declare a certain percentage of employees as top performers, good performers, average, and poor—effectively crippled Microsoft's ability to innovate. "Every current and former Microsoft employee I interviewed—every one—cited stack ranking as the most destructive process inside of Microsoft, something that drove out untold numbers of employees," Eichenwald writes. "If you were on a team of 10 people, you walked in the first day knowing that, no matter how good everyone was, 2 people were going to get a great review, 7 were going to get mediocre reviews, and 1 was going to get a terrible review," says a former software developer. "It leads to employees focusing on competing with each other rather than competing with other companies."
. . . Microsoft had a prototype e-reader ready to go in 1998 . . .
Ve shodě s některými komentáři nevidím budoucnost Microsoftu nijak černě – Windows 8, Surface, Xbox i Office vypadají z mého pohledu stále slibně.
A Microsoft vydělává 🙂


text:
Items in Cart:
Lost Trails of the Transvaal by T V Bulpin this is a 3rd Edition 1974 ( the 1st Edition was 1965)
This book is in very very good condition , clean and tightly bound , as can be seen in the last photo there is an inscription on the page before the title page .
For postage within South Africa please add R50.00 or contact me via Bid or Buy should you require an alternative shipping arrangement including outside of S A .If you buy more than one item at the same time from me and advise me before making payment I can look at " combined " postage.
Thank you .


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UPDATE 3-Rio Tinto lifts iron ore output as Chinese mines struggle
* Rio Tinto boosts Q2 iron ore output, shipments
* Sees total 2014 iron ore shipments around 300 mln/t
* Global miners count on Chinese mines closing to boost demand
By James Regan
SYDNEY, July 16 (Reuters) - Rio Tinto reported on Wednesday a sharp rise in iron ore output in Australia, as the global miner agressively expanded shipments to China, banking on its low costs to displace local Chinese producers.
Mega miners such as Rio, Brazil's Vale and BHP Billiton have been ramping up output, reducing their costs even further despite concerns of an oversupply as China's steel output growth moderates.
China's domestic industry is fragmented, with miners in coastal areas suffering under some of the highest production costs in the country - well above the price of imported ore from Australia and Brazil.
Ore from China's estimated 6,000 mines on average contains less than 30 percent iron, compared with Australian and Brazilian ores that typically have close to double that amount.
Rio Tinto, which competes with Vale, BHP and Fortescue Metals Group in the seaborne iron ore market, said it was on track to produce 295 million tonnes of the steel-making material in 2014, up from 266 million last year. Continuación...


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Two individuals are under the scanner currently. One is India's businessman Vijay Mallya, a major corporate defaulter who has left India after failing to pay back a whopping loan amount of Rs 900 crore. The other is Maria Sharapova, who has been provisionally suspended by the International Tennis Federation for failing the dope test.
Vijay Mallya issue: Congress saw more people fleeing India under its rule
Vijay Mallya exposed Modi's "I want to be chowkidaar" slogan
Sharapova not the only athlete to fail dope test
While the political establishment, banks, legal agencies and media have gone after Mallya once the crisis snowballed, the media and purists slammed Sharapova for taking Meldonium which has been banned only this year. But the fact is neither Mallya nor Sharapova is only at fault.
Why just target two individuals while there are more people accused of the same offence?
There are more and even bigger defaulters than Mallya and athletes with even bigger feats than Sharapova who have been found taking the same substance. But we hardly know those names, do we?
Media shames only the famous faces to keep fetching the viewership; is that journalism?
It is the media's strategy to shame those who have a popular face so that it can keep generating the TRPs. But by just targetting individuals' stature and glamour, the media is not doing justice to its actual responsibility of digging up the details about the problem.
The problem of bad loans in the Indian banking system or doping in tennis is more structural and not individual-centric. But those serious details about the root of the problem may not make the consumers of news excited. Hence, the media puts all the focus on factors like glamour (in case of Sharapova) and stature and political blame game (in case of Mallya).
It is not conincidence that Mallya and Sharapova took on the media
True that both Mallya and Sharapova didn't bother about the impending crisis. The former perhaps was busy with his flamboyance while the latter chose to be ignorant. But that apart, these two individuals have not done so big a crime that they will be put on media trial 24X7. It is not without a reason that both Mallya and Sharapova have taken on the media for their coverage of the issue.
They have every reason to feel victimised. Let the concerned agencies take care of their respective cases. The media simply has no business in conducting its never-ending trial to keep its TRP business running.
We need to raise relevant questions about the problems and not use up the celebrity factor to help our own commercial interests.


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News About: Northern Glory
Greene Delighted With Beauty's Beast Ahead Of Hawkesbury Guineas
Trainer David Greene has revealed that he is delighted with the condition of talented gelding Beauty's Beast ahead of the 2014 Hawkesbury Guineas at the standalone Hawkesbury meeting this weekend.
Beauty's Beast made his Australian …
Everage On Track For Light Fingers Stakes Return
Talented filly Everage is on track to make her long-awaited return to racing in the Group 2 Light Fingers Stakes (1200m) at Royal Randwick on February 22 after impressing in a barrier trial this morning.
Everage contested …
Fast Pace To Suit Northern Glory In Magic Millions Guineas
Tommy Berry believes that the expected quick tempo in the 2014 Magic Millions Guineas (1400m) at the Gold Coast on Saturday will play into the hands of his mount Northern Glory.
Northern Meteor Dies After Suffering Colic Attack
Emerging stallion Northern Meteor passed away at Widden Stud last night after suffering a sudden attack of colic.
Northern Meteor took the breeding world by storm this season and was just a day away from being named …
Magic Millions Hopefuls on Show at Doomben
There is more than just a Group 3 win and a share of $150,000 in prizemoney up for grabs in the BJ McLachlan Stakes (1200m) at Doomben on Saturday.
Thirteen horses will line up in …
News Topics
- Chris Waller
- Melbourne Cup
- Gai Waterhouse
- Cox Plate
- Caulfield Cup
- Peter Moody
- Golden Slipper
- Melbourne Spring Racing Carnival
- Flemington
- Hugh Bowman
- Stradbroke Handicap
- Doncaster Mile
- Darren Weir
- Damien Oliver
- Black Caviar
- Queen Elizabeth Stakes
- Peter Snowden
- Craig Williams
- Caulfield Guineas
- Caulfield
- James McDonald
- Blue Diamond Stakes
- Newmarket Handicap
- David Hayes


text:
Göldo Strat US Erle, Surf Green
- Form: Strat
- Type of Wood: Alder
- Millcut: 3 Single coils
- Colour / Finish: Surf Green
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Göldo offers a wide range of accessories and spare parts program for Strat style guitars. In addition to various hardware and electronic parts and high-quality necks and bodies are available.
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text: LAMPOCICLO is an Italian Ebike brand. All of our bikes and Ebikes can be customized on customer order. Bikes are manufactured in Verona and Milan starting from hand weld brazed frames to final assembly. For example: one of our basic model is available in 4 sizes, than you can choose 7 standard color or any RAL color customer wish, 3 different type of gear system, furthermore you can add painted rims, panniers, real leather tool case, match colors with leathers and tyres etc. not to mention electric drive. Finally combination are almost infinite. We believe craft excellence can be relevant in a world populated by mass produced goods at any price level. Beside retro inspired look, all of our vintage bicycle and Ebikes are perfectly functional and practical way of transport for "ecochic" daily urban commuting. Products can be found at a few trusted retail stores, and soon through ecommerce and product configurator.


text:
Understanding the mechanics, behaviour and properties of soils and soft rocks to provide real solutions to industry including tunnelling, oil and gas, infrastructure and road building
The Geotechnics Section is one of five such groups within the 5-star rated Civil and Environmental Engineering Department. Our academic staff have a range of research interests within Geotechnics including: seismology, tunnelling, quaternary geology, partially saturated soils, foundations, and the geotechnical impacts of climate change.
Recent highlights
- Prof. Tom O'Rourke will deliver his 2016 Terzaghi Lecture at Imperial College on June 22 2016. Details of lecture.
- Professor Richard Jardine delivered the 56th Rankine Lecture on March 16 2016 to a record audience. Find details of the lecture, which was organized by the British Geotechnical Association.
- The 2016 Rankine Day seminar (co-organized with the University of Oxford, the British Geotechnical Association and the Institution of Civil Engineers) was a success with over 350 participants. Look at the final schedule for the Rankine Day Seminar to get an idea of the content of the event.
- Emeritus Professor John Burland has recently been elected to the US National Academy of Engineering. Find out more about this prestigious recognition.
- Emeritus Reader Mike De Freitas has been awarded the 2016 William Smith Medal by the Geological Society.
- The section has recently received two President's Awards for Excellence from Imperial College London: The ICFEP group, led by Professor David Potts were awarded the President's Medals for Outstanding Research Team, while Professor Richard Jardine was awarded the President's Medal for Excellence in External Engagement and Partnerships. These awards will be presented at the Faculty of Engineering Postgraduate Graduation Ceremony at the Royal Albert Hall on Wednesday 4 May 2016.


text:
US STOCKS-Wall St little changed, held back by Wal-Mart
* Wal-Mart biggest drag on Dow, S&P
* Housing starts jump to 7.5-yr high
* Indexes: Dow up 0.13 pct, S&P up 0.03 pct, Nasdaq down 0.08 pct (Adds comment, updates prices)
By Sweta Singh
May 19 (Reuters) - U.S. stocks were little changed on Tuesday, constrained by Wal-Mart's weak results and as investors took a breather after a rally that took the Dow Jones industrial average and the S&P 500 to record closing highs the previous day.
Stronger-than-expected housing data also suggested that the Federal Reserve could have room to raise interest rates sooner rather than later.
U.S. housing starts jumped to their highest level in nearly 7-1/2 years in April and permits soared.
A stream of weak economic data through last week suggested that Fed would wait to see more strength in the economy before raising rates.
Global stock markets jumped and the dollar rose on signals the European Central Bank may accelerate its 1 trillion euro bond-buying program over the next two months. Continuación...


text:
Herbert and Henrietta Avram had by 1953 achieved the American dream. Behind them were the war, which separated them, and the Depression, which had impoverished them.The Avrams had three children and a home in suburban Washington. He had a good government job with the National Security Agency. All hush, hush. She had been a housewife, but after studying math at George Washington University, she too signed up with the NSA. They thought they had reached the pinnacle.
Greater days lay ahead.
They were two Jewish kids from New York. He was born on January 24, 1913, and she on October 7, 1919. He was a math whiz, and an excellent chess player. He was 6 when his Uncle Julius taught him backgammon and chess. Soon he was a regular at the Manhattan Chess Club. He attended St. Lawrence College, in Canton, New York, fro a year, but his father's work took the family to Turkey, where he graduated from transferred to and graduated from Robert College in Istanbul, not Constantinople.
She was an avid reader who took pre-med at Hunter College. Her dream was to discover a cure for cancer. But they met and she left college and they married.
Then came the war. He joined the Navy and rose to lieutenant commander. He served in both the Atlantic and Pacific. His awards included the include the American Theater Ribbon, American Defense Ribbon, European-African-Middle Eastern Ribbon with Two Stars, Asiatic-Pacific Ribbon with Five Stars, Victory Medal World War II-Occupation of Japan, and Philippine Liberation Ribbon.
After the war, they became reacquainted and settled in New York. In 1951, he took a job in Washington as an analyst for the NSA. Later he moved to the CIA. A year later, she went to work for the NSA as a computer programmer.
"Learning programming in those days was…a bootstrap operation," she told American Libraries magazine in 1989. "You were on your own with far less than perfect tools to learn from. The men -- women -- were quickly separated from the boys, and the numbers of people that made it through to become programmers were few indeed. It was an exciting time."
Her husband was an intermittent chess master whose work often superseded his play. Indeed, due to the sensitive nature of his work, he could not be alone with a Russian player. Nevertheless, he won the Virginia state championship in 1952, 1953, and 1954. They moved to Silver Spring, Maryland, and he won that state's championship in 1955. His next state championship came 24 years later, in 1979 again in Maryland.
His work took him from that. He left the government to pursue a better method of recording court proceedings. He was one of the founders of Stenocomp Corporation of Falls Church, Virginia. The work eventually evolved into close-caption television, an aid to those with hearing issues.
Her work, too, had just begun. Trained as a programmer, she left government to use her skills, joining the American Research Bureau and later for a software company, Datatrol Corporation. She received an assignment to design a computer science library. She studied up on library and hired a librarian to assist her. This also put her in contact with the Library of Congress Card Division Service.
When a job as a systems analyst opened at the Library of Congress in March 1965, Missus Avram got it. At age 45, the wife and mother of three had found her life's work. She would create and develop Machine Readable Cataloging -- MARC -- the international data standard for bibliographic and holdings information in libraries.
She incorporated the Dewey Decimal System; Melville Dewey's passion for numbers in the 19th century serves us well in the 21st century.
The task was daunting. She had to catalog millions of pieces of information in a wide array of languages. And she needed the cooperation and support of the American Library Association and the American National Standards Institute to make MARC the national standard. She avoided a Tower of Babel.
The American Library Association considered her a librarian by achievement, awarding her the first Margaret Mann Citation to go to a non-librarian.
She retired from the Library of Congress in 1992, and the couple enjoyed their retirement in California, Maryland. On January 15, 2006, cancer killed him. His obituaries included the tidbit that he beat a 14-year-old Bobby Fischer in chess.
Three months later, on April 22, 2006, cancer took her. Their marriage had lasted 64 years. Just a couple of kids from New York, out to change the world.
And they did -- in ways no one imagined.
I am publishing the best of these tales, in Kindle and on Amazon. Volume I covering American history from the 16th through the 20th century is here. And Volume II on The Capitalists is available here.
Suggestions are welcome. Email me at firstname.lastname@example.com.


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Access to Finance. Here is a list of bridging Finance, Factoring and other support services available for SMME's:
- Loreen May
- 1 years ago
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1 Access to Finance Here is a list of bridging Finance, Factoring and other support services available for SMME's: Small Enterprise Foundation Location: Limpopo How Much: loans of maximum of R Requirements: None Performance: R loans to the value of R 532 million since year 2005 Contact: Eastern Cape Development Corporation How Much: R to R 10 million For working capital and bridging finance Requirements: Business plan Contact: Mpumalanga Economic Empowerment Corporation (MEEC) Reach: Mpumalanga Loan products: Bridging finance, medium &long term loans How Much: R to R 10 million Specific industry focus: Mining, manufacturing, agro-industries, tourism and service and retail. Requirements: Collateral and various security agreements Contact: Ithala Development Finance Corporation Reach: Kwazulu-Natal Loan products: Working capital, bridging finance, building loans, plant and equipment finance, export finance and empowerment equity capital. How Much: R to R 30 million Specific industry focus: All except transport. Requirements: Business plan and Business registration documents, and also business owners do need to put down collateral, this varies. Business must be at least 31% black owned Contact:
2 Khethani Business Finance Loan products: Working Capital and bridging finance. Loan size: Up to R Specific industry focus: None Requirements: Must be operational for at least one year and must be able to cover 30% of loan with own collateral. Business Partners Loan products: medium term loans Loan size: R to R10 million Specific industry focus: None Requirements: Business plan and assessment Contact: Absa Black Business Incubator Funding Programme Loan products: Equity finance Loan size: R to R 10 million Specific industry focus: None Requirements: Companies of R5 million turnover and below Must be 100% represented by black management Those with R5 million to R50 million must have a 51% representation of black management. Contact: Industrial Development Corporation (IDC) Loan products: Equity, bridging finance and loans. Loan size: From R upwards Specific industry focus: Has 12 business units specializing in sectors which include chemicals, agri-business, tourism Requirements: Loans are usually granted to sizeable projects which will yield expectable profits. Contact:
3 Export Marketing & Investment Assistance Scheme EMIA FROM DTI (meant for exporters only) Product: Subsidy for international exhibitions and international market research Criteria: must be registered exporter, provide tax clearance certificate, marketing plan Process: Business must first pay and then claim afterwards Contact: To learn more about EMIA, go to: DTI Co-operative Incentive Scheme (CIS) The CIS is an incentive for cooperative enterprises in the emerging economy to acquire competitive business development services. The maximum grant that can be offered to one co-operative entity under the scheme is R To learn more about CIS, go to: ABSA BANK Loan products: Invoice Discounting, Export Factoring How Much: 80% of the value of debtors book Criteria: Total credit sales of at least R 2 Million per month Insurance (for export factoring) Contact: STANDARD BANK Factoring (Debtors Finance) How much: 75% of debtors book amount Requirements: Minimum turnover of R a month Receive repeat orders from your customers Sell on credit terms not exceeding 120 days Trade with suppliers of sound financial standing Factoring is a financing method in which a business owner sells accounts receivable at a discount to a thirdparty funding source to raise capital. Have few trade disputes All financial controls and administration should be fully computerized, allowing you to produce a monthly income statement and balance sheet Contact:
4 FIRST NATIONAL BANK How much: depending on interest rates Criteria: Must be in manufacturing, distribution or selected services industry Must sell to other companies, trading concerns or institutions but not to individual members of public Annual sales should be at least R12 million (not compulsory) Well managed debtor's book Contact: Enablis Acceleration Fund Loan products: Equity, bridging finance and loans. Loan size: info not available Specific industry focus: Entrepreneurship, SME Sector,New markets, Economic Participation A focus on supporting business ventures of historically disadvantaged persons in Africa Requirements: Loans are usually granted to sizeable projects which will yield expectable profits. Contact: Website: Identity Development Fund Loan products: Equity, bridging finance and loans. Loan size: From R upwards Specific industry focus: Solely black owned businesses, emphasis on rural and peri-urban areas, enterprises owned by youth and women. Requirements: Loans are usually granted to sizeable projects which will yield expectable profits. Contact: The Small Business Hub Product: Subsidy for international exhibitions and international market research Criteria: Must be registered exporter, provide tax clearance certificate, marketing plan Process: Business must first pay and then claim afterwards Contact:
5 Angelhub Angelhub is a Business Angel Investment Group that pools funding, expertise and networks from a diverse range of earlystage Angel Investors for investment in high-growth South African ventures to accelerate growth & create value. Greater Capital Greater Capital, through the Greater Good South Africa Trust, can administer charitable funds, taking donations into its Trust account and paying out grants to pre-checked beneficiary organisations. Contact: South African Investment Network World's largest angel investor database, a networking site with local and international investors/ entrepreneurs. Funding Guides are provided. Website: Business Finance Promotion Agency Provides business loans to the small & medium enterprise sector. Target market includes all viable small & medium businesses. Loan size: R 6000 to R Contact: Website: bfpa.co.za National Empowerment Fund: Provides funds to black entrepreneurs & groups with the aim of facilitating access to finance in support of BBBEE in terms of government legislation. There must be commercial viability of the business case presented; the business must comply with all relevant laws & regulations; must be able to repay the funding to the NEF. Contact: Website:
6 Shanduka Black Umbrellas Criteria: Start up, SME & Black owned businesses Business Plan: R to R Monthly fee Also provides office space, computers, internet, vehicle, driver etc Contact: Website: Anglo American Chairman's Fund Criteria: Start up, SME & Black owned businesses Supports enterprise development Contact: National Youth Development Criteria: Aspiring and established Small Micro and Medium Enterprises (SMMEs) and co-operatives in KwaZulu-Natal Youth (18 to 35) must hold greater than 50% of the shares in the company; Must be a previously disadvantaged South African youth Loans size: R to R 5 Million Contact: Website: Khula Finance Khula does not lend directly to business owners, but through the banks and Retail Finance Intermediaries (RFIs). Business owners who don't have sufficient enough collateral to secure a bank loan, can take out a Khula Credit Guarantee. Rating: 5/5 very helpful Contact: or Website: NEXII Requirements: At least one year of annual audited financial statements; Primacy of Social, Commitment to Measurement and Reporting, Sustainable Business Model Target: Social businesses and impact investment funds Contact: Website:
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Starting immediately, we will no longer be updating this website with results from tournaments or calculating Master Points. It was fun while it lasted, and thanks to everyone who enjoyed them!
Unless otherwise noted, tournaments are still held every Sunday at the Robson Public Market. Sign up for the mailing list to get weekly reminders.


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Post-Draft emptiness.. am i the only one?
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Join Date: Mar 2013
Posts: 2,163
vCash: 500
Originally Posted by
I've come to terms that MG has zero balls to improve this team on draft day. He has assets he could have moved to go much higher in the draft, but he has this 'vision', one that apparently involves moving safely....
I've heard the rumours that he had this 'deal' in place to go up in the draft, but it didn't happen.... so jokes on us again. A top notch G.M makes deals happen, if it is a deal they really want. They take a chance. I'm really trying hard to like MB, but it's awfully hard to at this point.
it's not his fault man....he did have the balls to do it....he said the price was high but they were still willing to pay it...it just turned out that their trading partner decided to keep it because their player was still there.....i've now heard it was vanouver to get horvat, dallas to get morin and philly to get morin....i don't know what to believe when it comes to that, but i do believe bergevin when he says he was willing to pay the price to get something done....o well.....i was in a really bad mood for awhile about this, but im starting to warm up to a few of these picks....mostly fucale...i think thats gonna be a huge huge asset to have and it is the opinions of alot of fans including flyers and leafs over on the main board that we really nailed this one...so i'll definitely be the first to admit that i may be, and probabley am wrong for being upset with this crop......just really got too attached to different guys and wanted to see them in the habs jersey....i like to get canadians and we selected alot of non-canadians...that was probabley what bugged me the most...but as long as we get vinny
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Legend of Korra custom shoes. Legend of Korra is a follow-up series to "Avatar: The Last Airbender" is set 70 years after the events of "Avatar" and follows Korra, the next Avatar after Aang, who is from the Southern Water Tribe.
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You might have played many games online including the casino games, but I am sure you would agree that the variety of games which you have in casino games you would not find it elsewhere. We already have great options to play casino games in land casinos, the introduction of online casinos have given many more players option to play casino online anytime, people who have never visited casinos can also take the full pleasure of playing and experiencing the fun of casino games online by just sitting at home. With the popularity of casino games there have been many advancement and development made to fascinate more players and keep them indulged in these games.
If you have ever tried to play these games, they have various other platforms and every game would give you different feeling and entertainment. Casino games can be either played online, or they can be downloaded where you would have to download the software to play the game. Everyone likes to get Excellent online casinos experience, hence there are various casino websites available which provides great variety in these casino games, They also give different names to their games. They best part is that you can gamble with legal authority in these online casinos if you want to play for money. As the market has become vast, there have been many various different kinds of features developed for these online websites, like flash casinos and live dealer casinos; these specifically have features to attract players with specific preferences.
MAC OS casinos
Many players would not want to stop playing their favorite games; they download these games in their mobile phones and gadgets so that they can play it anytime, whenever they get time. For such requirements as well casino gaming websites have developed such applications, which would provide games online on these devices. Mac OS casinos are considered to be the best among all these online casinos because of the fact that they provide the best quality gaming experience which has been produced by Apple. At the same time it is not much easy to find these casinos so easily. Mac has been always regarded as the best OS among all the other OS in the market, because of it high secure feature and function.


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MarineParents: Marine Family Network (MFN)
An Outreach Program of MarineParents.com
Found out from my oldest daughter that my son wants to change his contract from reserves to full time. He is presently at his MOS 1341 at Fort Leonard Wood, MO. Yep, I'm scared. He signed up on the early entry program while a senior in high school and of course I had to sign the paper work as well. I know he has thought this decision through more then once and has a very smart head on his shoulders. This means he gives up a full time job as a mechanic when he comes home as a reserve. I know the place that his employment is promised has been holding the opening for him since September. I can't figure out what has changed his mind. Does any one know who I can talk to so I can maybe have them talk to him and make sure he has thought this out completely. I thought he was looking forward to coming home and having the job waiting for him. I don't know what has suddenly changed his mind and so far he hasn't talked to me about it. His phone calls even stopped he just texts me once in a while. Any ideas would be appreciated
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Joico Smooth Cure Discover frizz-free, long-lasting smoothness without the harsh, harmful chemicals.
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Keep your drinks cool on warm days while running errands with this insulated tumbler. The lid twists off easily for filling and cleaning, and the straw stays in place with an "o-ring." An eco-friendly alternative to paper or Styrofoam, this cup holds up to 20 ounces and is made of BPA free acrylic. This cup is top-rack dishwasher safe.


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Editor's Note: The author writes: "This was inspired by a lunch I had with Christopher Reeve when we were both invited speakers at a respiratory care meeting. My son has dyslexia and apraxia, but he is the sweetest and hardest working kid I know. He idolizes superheroes, long outgrown by his academically gifted brothers."
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- The returns process is an opportunity for retailers to increase conversion rates and overall customer satisfaction and loyalty. Despite the fact that at least 62% of consumers admit to reviewing return policies prior to purchasing, over 30% of merchants still fail to provide detailed information about their policy on their website, specifically the window of time allowed for returns.
- Ease of returns ranks high on the list of consumer needs with regards to online ordering. We found that only 25% of merchants include a return label in with the product shipment, while 9% require a call to initiate the return.
- With over 15% of merchants, credit took 16 days or longer to appear after the product had been returned.
- Data from our April, June, and August 2012 order cycles shows a downward trend in the number of merchants who do not offer free shipping of any kind. At the other end of the spectrum, the number of merchants who offer free shipping on all orders is increasing slightly.
ATLANTA, Dec. 12, 2012 /PRNewswire/ -- Innotrac Corporation (NASDAQ: INOC), a best-of-breed commerce provider integrating digital technology, fulfillment, and contact center solutions to support global brands, today announced summary results of its latest SmartHub® eCommerce benchmark analysis, which was based on a sampling of orders placed in August of this year. SmartHub®, Innotrac's proprietary benchmarking tool, provides clients and strategic partners with intelligence and analysis of the online retail purchase cycle. The current release evaluated over 100 leading merchants across 56 data points, tracking the entire eCommerce experience from ordering, to shipping, packaging, customer service, and returns. "Returns are inevitable, but it's still not something that retailers like dealing with," said Melissa O'Keefe, Sr. Director of eCommerce and Marketing at Innotrac. "We wanted to take a closer look at how returns impact the online shopping experience and what that means for retailers. While returns are about merchandise coming back, it's also about merchandise going out. This special study provides insight into retailers' return policies which impact whether a consumer will actually make a purchase or even recommend a brand." The August 2012 SmartHub® benchmarking study reports recent findings with a focus on the returns process. Among the findings:


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"I've had him about
three weeks now," said trainer Pat McBurney, who will be saddling Chirac for
the first time in Saturday's Iselin. "He
was at Parx and they have their shut down for most of August, so the owner
wanted to send him to Monmouth."
Chirac breezed over
the Monmouth main track on July 27, going four furlongs in :48 3/5, but that's
when the trainer applied the brakes.
"He developed an abscess
right after the work," McBurney said.
"It took him about eight or nine days before we could get a shoe back on
him. He's fine now, just needed that
little time."
Chirac came back
with a bullet work on Aug. 16, going four furlongs over the sloppy surface in
:49 flat. The gelding by Sligo Bay
exits a disappointing effort in the Greenwood Cup on July 16 at Parx, where he
finished last of the eight runners.
Before that, he took a $50,000 claiming event at that track as the 1-9
In Saturday's mile
and an eighth Iselin, Chirac will be united with jockey Channing Hill for the
first time. The question remains as to
his running style in the Iselin.
"He doesn't like a
lot of hold taken on his mouth," McBurney said.
"Chances are he'll be in front, but if some other horse goes out there
wanting the lead, he'll likely sit just off the pace."
Just Call Kenny will not have to travel far from h...
Multiple graded stakes-placed Just Call Kenny swep...
Twilight Eclipse returns for redemption in Su...
St. Albans Boy looks to capture his first career s...
Bright-eyed at 4' 9", she tacks a feathery 105 pou...
Practical Joke breezed four furlongs in 48.09 seco...
Bob Baffert provided more irrefutable evidence on ...
The Ohio Derby did not disappoint. As four horses ...
I agree with my mate, Brian Zipse, that Ascot, an...
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Immerse!, LLC


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Shoal Bay Retreat Unit 1
Apartment, Shoal Bay
From $73 per night {{quote.pricing.message}} Total {{quote.pricing.price | format:'currency':'short'}} for
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1 Car Spaces
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I'm now blogging at http://www.under10consulting.com. Please join me...
Steve on technology
Wednesday, January 1, 2014
I've moved...
I'm now blogging at http://www.under10consulting.com. Please join me...
Thursday, January 31, 2013
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Friday, December 28, 2012
For Presentations, Half As Long Is Twice As Good | Fast Company
Most business presentations stink. Period. They are bloated PowerPoint-laden ramblings that ignore audiences' key concerns and fail to tell a simple story. But in working with hundreds of executives in all industries over the last 15 years, I have identified a few keys to making your presentations the happy exceptions.
via fastcompany.com
1. Keep it short, 2. tell a story, 3. allow for Q&A.
Good tips.
Wednesday, December 19, 2012
Another take on Instagram
A totally great tweet, eh?
Star Wars snowflakes 2012
Look closely! It's Yoda, an X-Wing fighter, R2D2 and Admiral Ackbar.
Download templates to make your own STAR WARS SNOWFLAKES 2012 at
Merry Christmas to all and may the Force be with you.
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Best Cruise out of the 4 taken!
Sail Date: May 01, 2014
Reviewed: 3 years ago
Traveled As: Family (young children)
Room Type: Balcony
Pros: Service
Cons: Workers at slides did not keep older kids off of the slides for the really small kids.
Recommends Carnival Dream? Yes!
Category Ratings
Click table then swipe to view all columns.
Click table then swipe to view all columns.
|Ship Quality
|Excellent! I was very disappointed on Carnival Sunshine's layout. But\, the Dream was awesome. It has restored my faith back into Carnival.
|Food and Dining
|Oswaldo was our head waiter. He and his team were excellent and should be commended for such a great job. They interacted with us and all the tables. Never had such great personalized service before on a ship as we did on the Dream with Oswaldo's team. So good\, that I would possibly request the ship he is on to get service from him again.
|Cabin / Stateroom
|Service and Staff
|Children's Programs
|Very good/Excellent! I like how I was able to check on 3 year old grand daughter with the Camp Carnival team. They were very pleasant. When I opened the gate\, I was greeted very nicely and professionally for the safety of all children\, only the staff can open the child proof gates. I really liked that.


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Three bed villa for sale in pueblo alcazar, benitachell, a great complex with communal pool and tennis courts, this villa has a private pool as well.
We can help you to get a mortgage on favourable terms. A residence permit can be obtained with the purchase of this property. Please ask our team for more information.


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Sport lacks future 'star', says Indonesia's Taufik
By Rod Gilmour
BIRMINGHAM, England (Reuters) - A stark warning about the future direction of the men's game was issued on Tuesday by two of badminton's recent greats on the eve of the All-England Championships.
As the world's best prepared for this season's first Premier Superseries, with China seeded to win four of the five titles, Indonesia's Taufik Hidayat, the 2004 Olympic champion, said the game was "only about Lee Chong Wei and Lin Dan at the moment."
That long-lasting rivalry, however, will not continue in Birmingham, as Malaysia's Lee is still suspended indefinitely for failing a doping test at last August's world championships.
Lee, who won silver medals at the 2008 and 2012 Olympics, remains confident he can clear his name when a Badminton World Federation panel conducts a hearing into the case.
With Lee missing, Taufik said he could not predict the next big rivalry to excite the sport, largely due to inconsistency among the players at the top of the men's game.
"For a great player, we will have to wait five more years as the standard is going up and down," said twice All-England runner-up Taufik, who retired in 2013.
"Everyone has a different style. After (Lee) Chong Wei and Lin leave, who else is there? Chen Long [the current world number one] perhaps, but he is not like these two. He has a different style and a different character.
"Badminton needs an icon like Roger Federer and Rafael Nadal in tennis. It is a question of how you become a champion and stay at the top." Continued...


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Suddenly a range of companies, which had inhabited the long-established backwater share market, and thousands of investors faced the prospect of being cast into a share wilderness.
Cometh the crisis, cometh the man. John Jenkins, an old-fashioned jobber who had dealt extensively in the 4.2 market - football clubs were his family's speciality - realised the Stock Exchange had created a share- dealing gap which had to be filled.
He produced Ofex - Off Exchange - to accommodate the 4.2 waifs and strays.
Today the fledgling share market, started with 45 constituents, has a total capitalisation of more than pounds 2.3bn with more than 150 companies enlisted. A steady queue of recruits await the call.
To many private investors Ofex is a mystery. It is difficult for anyone who does not have access to a securities screen to follow prices. And keeping in touch with the news flow, despite strenuous efforts by its own information service, is difficult.
Ofex is clearly one of the successes of the City share market upheaval which included the Stock Exchange launching AIM, the Alternative Investment Market, to replace the old Unlisted Securities Market.
AIM has certainly exceeded Stock Exchange hopes, illustrating the need for a junior market. But the extinction of the 4.2 facility remains a mystery; surely the Stock Exchange realised AIM was not suitable for many of the backwater shares?
One Stock Exchange official was dismissive of the need for a 4.2-style market. "Many public companies do not need a market; they can exist happily without one," was the blinkered view.
Well, National Parking Corporation, the National Car Parks and Green Flag group, begged to differ. It moved from 4.2 and is the biggest Ofex constituent, valued at pounds 643m. Weetabix of breakfast fame was another to make the switch. Its capitalisation is pounds 322m.
Until recently, old established family-run brewers such as Shepherd Neame and Daniel Thwaites were among the front runners. But, like the main market, football clubs have come to the fore.
Rangers, the Glasgow club where Joseph Lewis, the Bahamas-based entrepreneur said to be Britain's richest man, has a 40 per cent interest, has a pounds 210m value, and Arsenal comes in at pounds 196m.
In fifth place is Display IT, worth pounds 85.5m, a young group offering share price and other financial information. Some believe it will emerge as a rival to Reuters.
The top companies display just what Ofex is largely all about. A mixture of old, established businesses where the passing of time has required the need for a share-dealing facility and brash, start-up groups.
There is an even wider appeal. For example Text 100, a PR firm with profits of more than pounds 1m, went to Ofex partly in order to offer a window for share options; Wellington Market Co, established by Royal Charter in 1244, used Ofex for raising pounds 1m through an open offer and preference conversion. It has 22 markets.
Many Ofex companies are not for the squeamish; some constituents feel obliged to issue wealth warnings in their prospectuses.
Yet the fringe market has, so far, not encountered any disasters. A couple of companies are struggling to survive and there was the high- profile Skynet episode.
The car security group's shares returned earlier this year following a pounds 1.7m cash- raising exercise. They had been suspended when a move to the Alternative Investment Market collapsed and the Securities and Futures Authority (SFA) started to investigate a rip-roaring performance which sent the shares surging from a 27.5p placing to 275p.
Skynet, now much chastened, trades at 48p.
Still, Ofex is bound to produce volatile share movements. Motion Media, developing video telephones, and Display IT are two active constituents.
And last week Bestodds, offering a radio paging service for punters, jumped 1,300p to 4,300p on its debut.
Mr Jenkins' company, JL Jenkins, owns Ofex and provides the market-making facility, dealing with Stock Exchange firms. He keeps a tight grip on proceedings. It is, of course, not difficult to get a company on to the fringe market but a vetting panel - accountant, solicitor, fund manager and banker - examine new arrivals.
The growth of Ofex - and probably the Skynet misadventure - have prompted thoughts about defining and tightening up market conduct.
A revised code of practice is being prepared. The new guidelines, soon to go through the consultative stage with market-users and companies involved asked for their observations, will, it is hoped, strengthen controls and add a little sophistication to what, in some quarters, is still seen as something of a maverick market on the lines of the old Vancouver exchange.
If it continues to grow at its present rate more official and officious bodies may get involved. A share market with, say, 500 constituents may be regarded as too large to be ignored by the regulatory authorities.
It would be ironic if Mr Jenkins one day found himself running a form of Ofex-cum-AIM, under the supervision of the Stock Exchange.
It is surprising that the Ofex success has not prompted imitations. There is obviously a need for lightly regulated markets catering for old- established companies with long, or modest, shareholder registers, and start-up businesses needing access to money-raising facilities.
Mr Jenkins' long career in the old 4.2 market gave him a shrewd insight into the needs of the companies the Stock Exchange decided to abandon.
With so much of the securities industry now outside the control of the Stock Exchange it would not be surprising if attempts were made to bring Mr Jenkins' creation into the fold.
There are already links; his market-making company is a Stock Exchange member and jobs in a range of shares traded on the official market.
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