text:
SAN FRANCISCO (MarketWatch) -- There's an old saying among investors that a stock doesn't know you own it, so don't get attached. In the tumultuous third quarter, investors did everything they could to run as far as they could from stocks.
Shareholders fled a grotesque market they didn't recognize. More than $40 billion was pulled from stock funds in September alone, or roughly one-third of an estimated $115 billion in withdrawals so far this year, according to data firm TrimTabs Investment Research.
The selling was indiscriminate, and it seemed there was nowhere to hide but Treasury bonds. If you owned a stock mutual-fund, it didn't matter how rich you were or how smart. It made no difference if you'd been good or greedy, conservative or aggressive. Over the three months through September, the market foreclosed on you.
"It's no time for heroes," said Doug Couden, manager of large-cap growth Virtus Strategic Growth Fund PSTAX, -1.28% which lost 17.8% in the quarter. "It's a market where if you try to take a stand and buy the financials or unload energy, you're going to lose."
Losing was certainly the quarter's lesson. Diversified U.S. stock funds tumbled 10.4% on average in the period, a massive blow that doubled their loss so far this year to 20%, according to preliminary data from investment researcher Morningstar Inc.
Indeed, if you hoped to make money in stocks this summer, you were out of luck. No diversified stock-fund category finished the quarter above water. Even a traditional safe haven, large-cap funds, failed to shield investors.
"Active managers struggled in this quarter," Couden said. "We've had a massive unwind, and that leads to a lot of volatility. It's tough."
And although October is known on Wall Street as a "bear killer," the year's final quarter opened with more of the same, even after Congress passed a much-debated economic rescue plan. The fact is that even if this plan works, the deep problems plaguing homeowners, consumers and the broader economy won't magically disappear.
As the third quarter came to a violent close, investors' actions reflected that grim reality. For the week through Oct. 3, the Dow Jones Industrial Average DJIA, -0.38% lost 7%, Nasdaq was down 10% and the Standard & Poor's 500 Index SPX, -0.58% fell 9%. See full story.
Big on small-caps
Quarterly results for the most popular domestic stock funds reflected a sharp tilt to value-oriented strategies over growth. American Funds' Washington Mutual AWSHX, -0.35% a large-cap value offering, lost 4.5%, while growth-stock sibling Growth Fund of America AGTHX, -0.79% dropped 15%. Big funds that blend these two approaches landed in the middle: Vanguard 500 Index VFINX, -0.58% for example, was down 8.4%; Davis NY Venture Fund NYVTX, -0.98% lost 9.9% .
In addition to value's dominance at a time when investors would naturally be seeking growth, there was another eye-opener: Small-cap funds, which typically would have the most to lose from a flagging economy, instead fared best in the quarter, losing less on average than their large-cap and midcap counterparts.
Small-cap value funds slipped just 1.2%, while small-blend shed 5.5% and small-growth lost 9.8%. By comparison, large-cap growth funds lost 13.8% and large-cap value funds were down 8%, while midcap-growth fell 16.3% and midcap value lost 8.8%.
The quarter's best-performing diversified stock funds were all small-cap value, including Walthausen Small-Cap Value Fund, up 8%, and Fidelity Small Cap Value FCPVX, -1.15% gaining 6.9%.
Small-caps' relative outperformance had at least two catalysts. First, a late-quarter rebound in financial-sector stocks accounted for much of the group's strength. In the benchmark Russell 2000 Index RUT, -1.38% for example, 24 of the 30 best-performing stocks in September were financial services firms. The financial services rally also contributed to a better showing for value-stock managers in general over growth-stock buyers.
A second factor was the anticipation that since the U.S. was first into this global credit crisis, it will -- sooner or later -- be the first out. With their domestic focus, smaller stocks tend to power ahead in the early stages of an economic recovery.
Moreover, greater market stability should spur investors to take more risk, which also favors smaller companies.
"It's going to be a more opportunistic market," said Paul Nolte of investment manager Hinsdale Associates. "The opportunities are going to lie with smaller companies that have the ability to be more nimble."
Opportunities going forward won't be limited to small caps, of course. But where to find them is the subject of intense debate.
"I don't know if I can remember a market having so many different responses," said Robert Froehlich, chief investments strategist at DWS Investments, a unit of Deutsche Bank. "People can look at the same facts and draw completely different conclusions. A third views this as an unbelievable buying opportunity, a third are in panic and shock, and a third don't have an idea of what's going on."
Playing defense
With predictable earnings growth becoming scarce and consumer spending increasingly weak, some fund managers sought safety in shares of higher-quality companies and traditional defensive areas such as health care. Sector funds specializing in health care finished the quarter essentially flat. The category's largest offering, Vanguard Health Care Fund VGHCX, -0.19% lost 1%.
Many health-care firms have solid fundamentals, stable earnings and strong cash flow, and trade at attractive valuations, said Terry Morris, a portfolio manager at National Penn Investors Trust Co. in Reading, Pa.
"Those types of quality companies tend to hold up better in down markets and be in the game in up markets," Morris said. Health-care stocks in his portfolio include Johnson & Johnson JNJ, +0.29% Amgen Inc. AMGN, -0.01% Zimmer Holdings Inc. ZMH, +0.16% and Pfizer Inc. PFE, -0.41%
The quarter's biggest surprise, however, was the robust showing from financial services and real estate -- two hard-hit sectors. Financial services funds lost about 1% on average, while real-estate funds gained 2% -- the only sector-fund category to end the quarter with a plus sign.
Top financial services funds included JHancock Regional Bank Fund FRBAX, -0.67% up 24.5%, and Forward Banking & Finance Fund HSSAX, -0.62% which gained 22.7%
Some strategists see the government's economic rescue plan as a signal that the worst may be over for the financial sector. Standard & Poor's recently raised the controversial group to "market-weight" from "underweight" in its model portfolio, even as questions linger about how the government will identify troubled debt to be bought, and at what price.
Contrarian buyers were also rewarded in the real-estate sector, whose top gainers included Neuberger Berman Real Estate Fund NBRFX, -0.14% up 10.1%, and Stratton Monthly Dividend REIT STMDX, -0.23% adding 9.3%.
On the other side of the tape, investors in former market darlings clearly overstayed their welcome. Natural resources funds plunged 32.7% in the quarter and precious metals funds tumbled 31.7%. Other sector laggards included technology funds, down 15.1%, communications funds, shedding 19%, and utilities funds, off 20.5%.
Perhaps the clearest message from the third quarter is that investors desperately need direction. Small-caps shouldn't outperform large-caps when the market is nervous; growth should do better than value when earnings are elusive. It's possible the fog will lift somewhat as the year draws to a close, and many anxious investors are only too happy to stay on the sidelines until that happens.
Yet from an investing standpoint, waiting carries its own risks.
"There's a crisis of confidence in the market; the toughest thing to do right now is to be investing," said Froehlich, the DWS Investments strategist. "But whatever is difficult to do, that's the best thing you can do."
Or as Sam Stovall, chief investment strategist at Standard & Poor's put it: "When someone asks if they should sell all of their stocks and stuff the cash into their mattress so they can sleep better at night, I say no. Besides, wouldn't it make noise when you rolled over?"


text:
Aviation Maintenance
The Aviation program at Abu Dhabi Men's College began in 1989. The program is designed to teach UAE students to become aircraft maintenance engineers and is approved by the UAE General Civil Aviation Authority (GCAA).
In order to gain entry to the aviation program student would need to either:
- Successfully complete the HCT/ADMC foundation program or
- Complete equivalent English and Math tests.
The Aviation program plays a vital role in preparing students for employment within the Aviation industry in the UAE. We are currently training sponsored students from Abu Dhabi Aviation, Etihad Airlines, Emirates Airlines and the UAE Military.

subset: commoncrawl


text:
Criminal Defense
Armed Robbery
Someone commits armed robbery if, in the course of committing a robbery, they are armed with a deadly weapon or a simulated deadly weapon, or used or threatens to use a deadly weapon or dangerous instrument or simulated deadly weapon. Armed robbery is a class 2 felony. (ARS13-1904)
Assault and Aggravated Assault
Assault is defined as a person who intentionally, knowingly or recklessly causes physical injury to another person. Aggravated assault typically happens when serious physical harm is done to another person or an assault on a police officer or medical staff. This includes the use of a deadly weapon or dangerous instrument. Aggravated assault charge carries up to a class 2 felony. (ARS13-1204)
Criminal Damages
Criminal damage is determined when a person commits criminal damage by recklessly defacing or damaging property of another person or tampering with property of another person. This type of charge can range from a class 2 misdemeanor all the way up to a class 4 felony, depending on the value of damage. (ARS 13-1602)
Disorderly Conduct
Being charged with disorderly conduct means that an offender intended or knowingly disturbed the peace of a neighborhood, family, or person by engaging in fighting, violent or seriously disruptive behavior. It can also be considered disorderly conduct if an offender uses abusive or offensive language or gestures to provoke retaliation. Disorderly Conduct is a misdemeanor in Arizona, unless a deadly weapon was used. (A.R.S. §13-2904)
Domestic Violence
Domestic violence charges can stem from a variety of circumstances that come from violence involving a relationship between parties involved. Often times this involves a dispute between two persons who are related, in a sexual relationship, have been in a previous sexual relationship, or roommates. There are many variables involved when it comes to a domestic violence charge, and it's important to understand your rights. (ARS13-3601)
A person commits endangerment by recklessly endangering another person with a substantial risk of imminent death or physical injury. Typical endangerment charges hold a class 1 misdemeanor, but can be elevated to a class 6 felony if a more substantial risk of imminent death is discovered. (ARS13-1201)
Failure to Obey a Police Officer
A person can be charged with failure to obey a police officer if they willfully fail or refuse to comply with any lawful order or direction of a police officer invested by law with authority to direct, control, or regulate traffic. Failure to obey a police offer is a class 2 criminal misdemeanor. (ARS28-622)
False Identification / Fake ID
In Arizona, it is a misdemeanor for a person under 21 years old to use or possess a fraudulent or false identification or identification of another person. A court could order jail, probation, fines and suspend a person's driver's license. (ARS.4-421)
Filing a False Police Report
Knowing providing false information to a police officer in classified as a misdemeanor offense. False information could also mean misrepresenting a fact. A conviction of this charge could result in jail or probation. (ARS13-2907)
Fish & Game Violations
The Arizona Game and Fish Department regulates outdoor recreation, covering a wide variety of activities. Hunting, trapping, fishing, boating and Off Highway Vehicles (OHV) activities are all covered under this umbrella, with an extensive amount of laws and codes regulating these activities. If you are an outdoors person, these rules and regulations must be followed or you could face fines, penalties and jail time for violations.
Indecent Exposure
Arizona law considers indecent exposure to be a sex offense. A person can be charged with indecent exposure if they expose their genitals or anus or their areola or breast and another person is present, and the person who exposed themselves is reckless about whether the other person, as reasonable person, would be offended by the act of exposing. Being charged with a incident exposure charge could result in jail and being registered as a sex offender. (ARS13-1402)
A kidnapping charge is defined as a person who knowingly retains another person with intent to: Hold the victim for ransom, as a shield or hostage. Hold the victim for involuntary servitude (enslave). Inflict death, physical injury or sexual offense on the victim or to otherwise aid in the commission of a felony, or place the victim or a third person in reasonable apprehension of imminent physical injury to the victim or the third person. Kidnapping is a class 2 felony in most cases unless the victim is released voluntarily. (ARS13-1304)
A person can be charged with Manslaughter by recklessly causing the death of another, or intentionally or knowingly committing murder in the heat of passion or upon a sudden quarrel. Manslaughter is a class 2 felony, and requires a mandatory prison sentence. (ARS13-1103)
Prostitute Solicitation
Prostitution charges can come from many angles whether you have been charged with prostitution, solicited prostitution, or were somehow involved in an act, or business, involving such activities. Prostitution is defined as a person who knowingly entices any other person into a house of prostitution, or elsewhere, for the purpose of prostitution with another person. There are different facts associated with a prostitution charge that could lead to either a felony or misdemeanor. In some cases, a conviction includes a mandatory jail sentence. (ARS13-3201)
Prostitution charges can come from many angles whether you have been charged with prostitution, solicited prostitution, or were somehow involved in an act, or business, involving such activities. Prostitution is defined as a person who knowingly entices any other person into a house of prostitution, or elsewhere, for the purpose of prostitution with another person. There are different facts associated with a prostitution charge that could lead to either a felony or misdemeanor. In some cases, a conviction includes a mandatory jail sentence. (ARS13-3201)
Resisting Arrest
A person will be charged with resisting arrest by intentionally or attempting to prevent a police officer from effecting an arrest by using or threatening to use physical force against the officer, or by using any other means creating a substantial risk of causing physical injury to the officer. Resisting arrest carries a class 6 felony that can carry up to 1.5 years in prison. (ARS13-2508)
Sexual Abuse
Sexual abuse is a very serious crime that can levy serious consequences. Someone charged with sexual abuse has been accused of intentionally or knowingly engaging in sexual contact with any person who is fifteen or more years of age without consent of that person or with any person who is under fifteen years of age if the sexual contact involves only the female breast. Sexual abuse charge comes with a class 5 felony, unless the abuse occurred against persons under the age of fifteen, which changes the charge to a class 3 felony. (ARS13-1404)
Sexual Assault
A person can be charged with sexual assault if they engage in sexual intercourse with another without their consent. Sexual assault is a class 2 felony and requires a presumptive prison sentence of seven years. (ARS 13-1406)
A person commits shoplifting if, while in an establishment in which merchandise is displayed for sale, the person knowingly obtains such goods of another with the intent to deprive that person of such goods. The consequences of of shoplifting conviction depend entirely on the value of the stolen goods, and can range from a misdemeanor to a felony depending on charge. (ARS 13-1805)
Threatening and Intimidating
To be charged with threatening and intimidating, a person must threaten or intimidate another by using words or conduct to either cause physical injury to another person or serious damage to a person's property, cause injury to another or their property in order to induce them to participate in gang activity, or to prevent a victim from reporting criminal activity. (ARS 13-1202)
The act of criminal trespassing is defined when a person knowingly enters unlawfully onto a structure or property not owned by said person(s). This includes entering fenced areas, commercial properties, and entered with intentions of staying or committing acts on property other then their own. Criminal trespassing can be charged as a misdemeanor or felony, depending on the place that was trespassed. (ARS13-1502-1504)
Urinating in Public
It is against the law for a person to urinate in a public setting. Even if a person urinates in an area where no one is around, such as a parking lot, behind a building or in an alley, they can be charged with urinating in public or commonly referred to as UIP. Urinating public is a criminal offense that will forever appear on your criminal background check. Each city has its own penalties associated with urinating in public.


text:
Sublette County Sheriff Charged With Felonies
CHEYENNE, Wyo. (AP) — Sublette County Sheriff Stephen Haskell faces felony charges alleging he billed the county for uniform purchases placed before he took office early last year.
Haskell was charged Tuesday with three felony and two misdemeanor counts.
Efforts to reach Haskell for comment on Tuesday were not immediately successful.
He's set for a preliminary court appearance on Feb. 11.
Natrona County District Attorney Mike Blonigen is special prosecutor on the case. He wasn't available for comment Tuesday.
A Wyoming Division of Criminal Investigation agent filed a court statement saying the Sublette County Commission requested an investigation into Haskell's billing of more than $11,000 for uniforms.
Haskell drew criticism for banning deputies from wearing cowboy hats and cowboy boots after he took office.


text:
Kresimir Bikic
It really doesn't matter what time of the day is, what season, what occasion... Either way, Your music strikes my (and everyone's - I dare to say) heart soooo deeply there's no words for it! I just really hope to see You live in Zagreb, Croatia in near future... Alll the best wishes! ;-)
Costa Rica


text:
Home > Printable US Time Zone Maps
The printable US time zone maps we have provided appear in a popup window, and can be printed onto A4 paper. The page format of the paper needs to be set to landscape to enable the whole map to appear on a single page.
Our printable US time zone maps are color coded to highlight the breaks in time zone. You will note that Alaska is displayed as an inset to enable an overall larger format to be displayed for printing.
The US time zones are of course only one view of time around the world. We have also provided a world time zone map so you can see how US time zones relate to world and international time zones.
End of printable US time zone maps.
|© printabledirect.com


text:
Area Sales Manager Dental – Dental - France
As a market leader, EMS sets new standards in the design, manufacturing and sale of devices used for medical and dental treatments. EMS products benefit from a tradition of flawless Swiss precision and craftsmanship.
Founded more than 30 years ago, EMS offers valuable solutions in the fields of:
► Dental Prevention – inventors of Guided Biofilm Therapy: evidence based protocol for biofilm management on teeth, soft tissues and implants and the original Airflow®, Perioflow® and PIEZON® technologies.
►Urology – market leaders in endoscopic lithotripsy, EMS shapes the history and future of stone management with its LithoClast® and LaserClast® product range.
►Shock Wave Therapy - inventors of RSWT® (Radial ESWT) and developers of the Swiss DolorClast® Method for the effective treatment of muscular-skeletal pathologies and dermatological conditions.
Respect, excellence and client orientation are EMS' core values.
At EMS we strive for perfection and are committed to improving the quality of life for clinicians and their patients by providing innovative solutions that deliver proven treatment outcomes.
Quality is part of EMS' DNA, it is engraved in EMS' Mission.
EMS believes that they can accomplish this Mission only by providing effective, safe, and reliable solutions exceeding consumers' expectations.
As Area Sales Manager Dental for our Dental Business Unit. Your main missions will be to :
► Be in charge of the customers for the South East of France: visit the dentists, make demos, show the products and sell;
►Closely follow up of the dealer activities (training, challenge, co-travelling);
►Define and maintain business relationship with major universities and hospitals;
► Participate to the regional events;
► Develop the training courses dedicated to the dentists;
► Select, organize and participate to congresses and exhibitions;
► Develop Relationships and negotiate with Key Opinion Leaders;
► Provide reports about sales, marketing events, orders/tenders, relevant information about markets, clients, competitors;
► Provide information from the market to support social media company profile;
► Constantly update company CRM system to improve workflow and marketing campaigns;
► Cooperate with Marketing Team to adjust central marketing projects to the local needs;
► Cooperate with After Sales team to provide best possible service for the customers.
► Strong ability to present complex solutions in clear, simple terms.
► Bachelor or Master degree in business administration or a related field;
► At least 5 years successful previous experience as a sales representative or sales manager, consistently meeting or exceeding targets, dental sector would be a plus;
► Committed to continuous education through workshops, seminars and conferences;
► Demonstrated ability to communicate, present and influence credibly and effectively at all levels of the organization;
► Proven ability to drive the sales process from plan to close;
► Strong business sense and industry expertise;
► French:Mother Tongue;
► English: B2, an asset
► Location: South and South East of France
► Need to travel: often
► Occupation: Full-time.


text:
Wheels of Fortune
The Joelsons have been gearing up to direct and create our own spots for a while now and the hard work is finally paying off as we have finally scored our first national commercial! A few weeks ago I got the call to head out to Nebraska to document the Lambrecht Chevy Dealership as well … Continue reading
Photography & Mould
While he mentions me watching the cameras, he doesn't mention me dealing with mould growing in my kitchen and spare bedroom. Other than watching cameras and watching mould, I did little else in creating this beautifully infected title sequence. The credit goes to Mr. Joelson on this one. Creating this title sequence alongside Neil Druckmann … Continue reading


text:
Pawn Loan
Best Collateral is a fast and convenient source for consumer and business pawn loans.
Unlike a bank or Savings and Loan, Best Collateral does not provide loans based on your credit history or employment status. The process is fast and easy; simply bring in merchandise as collateral and obtain a pawn loan. Our professional staff will thoroughly evaluate your collateral and provide you with your loan options. Your items will then be safely secured, awaiting your return to pick them up.
Get A Pawn Loan At One Of Our Locations
So bring in your jewelry, Rolex watch, Fender guitar, tools, televisions, electronics, stereo equipment, musical instruments and miscellaneous items of value. Let Best Collateral assist you with your borrowing needs.


text:
Summer 2016 Classes
The Workshop will be offering a number of different classes this summer. Categories are listed below. We will also be adding in additional classes during the summer, especially adult level and specialty classes. Please contact us to register or for additional information.
Open Studio
Summer Open Studio Hours
Wed. 3:00 pm - 5:00 pm
Thurs. 9:00 am - 12:00 pm
Fri. 9:00 am - 12:00 pm
Sat. 10:00 am - noon
Sun. 2:00 - 4:00 pm
Creative Kids
Friday, 10:00 - 11:00 am
June 10 - sail boats
July 8 - ice cream
August 12 - vegetables
Creative Kids is a great way to bring your young children to The Workshop. It's even easier than Open Studio because there are art stations already set up to work at. Usually there are 5 stations, each with a different project or materials (painting, watercolor, playdough, chalkboard, sensory bin, stickers, etc.) At 10:30ish you are welcome to join us for a book or continue with the stations if you prefer. Creative Kids is recommended for ages 2-5 years old. Cost: $4 for the first child, $2 for each additional.
Summer Variety Classes
Summer Variety Classes work off of the $60 six class pass or can be attended individually for $12 per class. The six class pass can be used by any family members and can be used on different types of qualifying classes such as our after school Exploring Creativity classes.
Summer Variety Classes are for all ages. Come by yourself or with family or friends. Children must be at least 5 years old to attend without an adult. Adults are welcome to attend as well.
Like the Exploring Creativity classes we offer during the school year, these are exposure classes. There is some explanation of technique, but the greater focus is on exposing people to different mediums, giving a chance to try out different art materials. The difference between one of these classes and Open Studio is that the class has an instructor to help guide and answer questions, and the class offers some more specialized materials that might not always be available during Open Studio. We would definitely be willing to schedule any of these as a longer specialty class upon request.
Wednesdays 3:00 - 4:30 pm
Thursdays 10:00 - 11:30 am
June 1 & 2 - Art journals - Create a custom cover for your art journal. Then use your art journal all summer long to sketch, draw, and keep making art.
June 8 & 9 - Sailboats - Experiment to design your own mini sailboat. Build, decorate, and test to see if it floats.
June 15 & 16 - Painting on canvas - This week we'll be working with acrylic on canvas to create a wave and beach.
June 22 & 23 - Shadow lanterns - Upcycle an old jar to make a shadow lantern. Personalize your lantern with a silhouette of something special to you.
June 29 & 30 - Scratch art- Make magic paper and carve in a picture or designs. Also experiment with painted cd scratch art.
July 6 & 7 - Fuse bead/Perler bead extravaganza - Use patterns and peg boards to create ironed masterpieces. Whether you like minecraft, minions, angry birds, or princesses, fuse beads are a great creative outlet.
July 13 & 14 - Iris folding - Work with paper scraps, to create intricate designs. Iris folding looks complicated but is fun and easy.
July 27 & 28 - Gyotaku Fish Printing - Make incredibly detailed prints using real or rubber fish.
August 3 & 4 - Flower pounding - Learn how to transfer the natural beauty of flowers and leaves onto fabric or paper. Create a colorful work of art using nature and a hammer.
August 10 & 11 - Painting on canvas - This week we'll be working with acrylic on canvas. The main focus will be background vs. foreground.
Teen Night
Saturday, 7:00 - 9:00 pm
June 11 - art journals
July 9 - iris folding
August 6 - acrylic on canvas
Evening of fun, teens can follow along with the guided project or create a project of their own design. $15 per person or 2 for $25. Ages 12-18 years.


text:
I found this model when I was browsing the internet around a month ago. This model was created by Atrus and if I'm not mistaken this model was inspired by one of Tatsunoko's anime series quite some time ago which titled 'Samurai Pizza Cats' or 'Kyatto Ninden Teyandee'
It's pretty hard to find the pattern for this model because most of the uploaded links are dead
I started to build this model a week ago and here's the result :
Actually it's quite hard for me to build this model because the assembling instructions are not detailed. So I had to figure out myself how to fold and assemble its parts
So I decided to make another one to make the assembling instruction with more details later. But I think I'll make the second one with different color of papers so it'll like I have 2 different Silvine models
Wednesday, May 11, 2011
Paper Model # 8 : Ginger Silvine
Labels: 3D, Atrus, glue, paper model, Silvine
1 comment:
Subscribe to: Post Comments (Atom)


text:
Pro Tabletop Gaming Audio Collection
Monsters, spells, music and a whole lot more!
Welcome to the second Plate Mail Games audio Kickstarter. If you play RPGs, board games, LARPs, or war games, we have something for you. These professionally sound-designed tracks will enhance your games, adding depth to the stories you play. Each background loop and music track is 10 minutes long with no high or low moments, while the traps, spells, weapons, and monster sounds vary in length. All Mp3s are 320 Kbps/44.1K. Click on the banner above for a full track list. Samples as well as lists of stretch goals and add-on packs are below
Dragon Sample
Orc Sample
Goblin Sample
Gas Trap Sample
Falling Rock Trap Sample
Blade Hit Sample
Firearm Sample
Lasers Sample
Energy Axe Sample (Unlocked Stretch Goal)
High Powered Auto Machine Gun Sample (Unlocked Stretch Goal)
Plasma Launcher Sample (Unlocked Stretch Goal)
Energy Hammer (Unlocked Stretch Goal)
Pyro Launcher Sample (Unlocked Stretch Goal)
Sleep Spell Sample
Lightning Spell Sample
Dungeon Realm 3
Haunted Mars
Time Vortex
Royal Jousting Tournament Sample
Death Is Near Sample
Into The Wild
What Is Plate Mail Games?
For those of you who were not part of the last Kickstarter, Plate Mail Games was born out of the success of that project. Originally, the goal was to raise $1,000 for 16 Mp3 background loops and 8 PDFs. At the time, I didn't know if anyone would be interested. I was planning on making the loops no matter what, and the Kickstarter was a way to cover a small portion of the cost if it funded. The response was overwhelming and I was able to create 108 Mp3 background loops. I was also able to launch Plate Mail Games.
Who Are You?
I'm Wes Otis, a professional sound designer with 15 years of experience in post production audio. I have worked on shows for Warner Brothers, Disney, and Nickelodeon. I've been nominated for four Golden Reel awards and one Emmy. I've also been a gamer for 30 years. I started playing 1st edition AD&D when I was a kid and still play many types of games. I took these two loves and combined them like chocolate and peanut butter in order to create great sounds for your games. Here is my sound design demo reel if you'd like to see some of my work.
What Is This Project for?
The goal is to create a catalog of sounds for gamers to use with their games. This will include monsters, weapons, traps, spells, music, and more background loops. The use of sounds during a game helps transport players to the world in which they are playing. Hearing a dragon through a dungeon door adds to the tension of the moment.
The funds for this Kickstarter will go towards recording, sound design and mixing a collection of pro tabletop gaming sounds. Any extra funds above what is needed to produce the the core collection and unlocked stretch goals will go to the development of a gaming sound app. The total estimated cost of this project is $46,000 before stretch goals. For a break down of the cost click HERE
Where's the Sound App?
If you backed the last Kickstarter, you know I've been talking about a sound app for all platforms. Here is why the app is not part of this Kickstrarter:
I've done a lot of research about creating the app and the bottom line is it is very expensive, which is not a shock. I'd like an app for every platform, and to do that with the functions I want, we're looking at about $70,000. Now, I want a sound app and no matter what, I'm going to get one made, but I'm not going to tie it to a Kickstarter for two reasons.
First, I'm not doing everything myself. Because I have to work with outside vendors, I don't want to risk too much of the backers' money on it.
If this Kickstarter goes super well, I will put some money from it to start the ball rolling on development, but that is only after we raise all the money to cover the creation of the gaming sound catalog including all the stretch goals planned. You're backing the audio, helping with the app is an added perk, and that brings us to the second reason why it's not tied to this KS.
The app will be free. There is no need for it to be a reward because anyone will be able to pick it up and use it. And when I say free, I mean completely free. Cost free, DRM free, ad free, and I will not raise prices on my audio tracks to pay for the app. You will also be able to import third party audio to use with your games if you like. I will update it for as long as Plate Mail Games sells enough audio and PDFs to do so. I'm a sound designer, and that is what I plan to sell.
I'm going to put all my audio and gaming experience into this project. As for the sound app, I want to give something back to the hobby that has given me 30 years of awesome memories. This KS is very important. If you back this project and help me spread the word, we can create something great together and possibly start development on the sound app. The more we raise, the more freedom I'll have to create, and that's what KS is all about.
To receive an add-on pack from below as part of your reward, go to the blue Manage You Pledge button at the top right hand side of this page and click it. At the top of the next page you'll see a green box with your pledge amount in it. Add the cost of all the add-ons you want to your pledge. Then at the bottom of your screen you'll see a button that says Continue To The Next Step. Press that and you will than confirm your pledge. That's it, you're ready to go.
Click HERE for a list of tracks being offered. Add-ons are at the bottom of the page. All background loops are 10 minutes long.
- FLAC Files Upgrade $10
- 2013 Non-KS Backgrounds $10 (8 Tracks)
- 1st KS Fantasy Pack $30 (28 Tracks)
- 1st KS Horror Pack $19 (17 Tracks)
- 1st KS Sci-Fi & Modern Pack $24 (22 Tracks)
- 1st KS General Pack $19 (17 Tracks)
- 1st KS Historic Pack $17 (15 Tracks)
- 1st KS add on pack for people who got the Bundle of Holding tracks $80 (81 tracks)
- 1st KS Complete Mp3 Tracks $100 (103 Tracks)
The packs below are Add-Ons from the first KS and have the same tracks as the other 1st KS Add-on, just divided into different packs. They are being provided for returning backers to complete their collections.
- Add-On Pack 1 (10 tracks, $11)
- Add-On Pack 2 (10 tracks, $11)
- Add-On Pack 3 (10 tracks, $11)
- Add-On Pack 4 (10 tracks, $11)
- 1st KS Audio Baron Regret Pack $48 (43 Tracks) This pack includes all track, save for the exclusives, that where not part of the $20
Stretch Goals
We have funded! Our first stretch goal is being voted on now. You must be a backer in order to vote. Also, I will unlock 2 bonus stretch goals when we reach 500 backers.
Risks and challenges
Challenges to the project will be managing recording time and labor. I have 15 years of experience in audio and have never missed a deadline. I also have already successfully run an audio KS. I will keep backers informed of any issues that might delay delivery.Learn about accountability on Kickstarter
Questions about this project? Check out the FAQ
Funding period
- (36 days)


text:
Located on the edge of the buzzy village of Doolin, Frank and Marion Sheedy's smart contemporary restaurant is an oasis of calm - a place where everything is operated in a personal and highly professional manner.
A well-maintained exterior with attractive planting and plenty of parking makes a good first impression, and the restaurant is smart and comfortable, with well-chosen modern table settings hinting at the stylish cooking that Frank has in store.
Marion Sheedy is a skilled hostess and offers a warm and professional welcome, setting the tone for what is to come - fine dining at very fair prices, notably the set 'Value Menu' which at only €24, is just that.
The menu, in the modern Irish style, emphasises the very best local food prepared in an imaginative way: superb Burren lamb and tender beef, sparkling fresh seafood (probably including organic salmon, farmed in deep waters nearby, as well as wild fish and crustaceans), unusual vegetarian options, seasonal vegetables, and to round off the meal, local cheeses and delicious classic desserts.
Everything comes to the table freshly cooked and in prime condition, and details, such as really good breads, are excellent - Frank Sheedy has a happy knack of choosing delightful accompaniments to his carefully sourced ingredients and he cooks with confidence and skill. You will dine in style.
The wine list is fairly short but well chosen to match the food, and keenly priced.


text:
How Omni-channel Gives the Competitive Edge in Business!Posted: January 21, 2016 Filed under: eCommerce Platforms, eCommerce Round-Up, eCommerce Service Providers, eCommerce Sites, eCommerce Trends, Fashion, Grocery, Healthcare, mcommerce, mobile commerce, Ofbiz, omni-channel, Online Store, Quality, Retail, Uncategorized, Web Development Leave a comment
In today's modern global retail environment, customers and businesses alike are increasingly empowered by the new digital technologies and channels available right at their fingertips. Today there are numerous eCommerce platforms available in the market and all enables the merchants to start selling their products both offline and online. The inventory replenishment and product management are done within one place. Moreover, the merchants can receive different orders from email, phone sales, physical stores, and sales representatives as well as from the eCommerce stores and even more they centralize the management system and seamlessly keeps more inventory across various channels. Using Best Omni-Channel eCommerce Solution is less expensive and often it's impossible to get the traditional POS, eCommerce solutions as well as inventory management to work together. Therefore, the company builds the channels along with different scales. Depending on the person's needs, they can select an eCommerce solution which will serve their purpose. For eCommerce retailers, the online solutions used to save more time as well as improve the capacity to make the sales.
Omni-channel Software:
Today, the Omni-channel eCommerce enables the sellers to sell the right item to the right person at the right place and often improves the revenue. The sellers can easily sell to the world on various marketplace web stores including Flipkart, Snapdeal, Paytm, Amazon as well as other marketplaces. The Omni-Channel eCommerce Solutions connects the marketplace to the inventory, marketing, accounting, logistics etc. This allows sellers to use different integration and therefore their business can take many advantages especially using the eCommerce solution in perfect manner. The Omni-channel gives support and helps the business to reach the competitive edge. They give a reliable, secure and fast platform, thus enabling the sellers to sell the products across different channels both online & offline. Business users can access their account free, anytime and anywhere thus giving flexibility to the business performance.
The Important Key Benefits:
To fully deliver a successful Omni-channel experience for their customers, retailers must turn to sophisticated solutions that help them meet and, hopefully, exceed their customer expectations. Solutions around customer engagement, information management and location intelligence allow retailers to develop a single view of their customer, understand their relationship, and optimize their interactions for better customer service across all channels. Customers have come to expect a seamless, relevant and personalized experience across all channels of communication, so it's important for businesses to deliver that to ensure customer loyalty and reduce churn.
An Omni-channel strategy is a win-win for customers and retailers. The customers are happier and have a better customer experience because they're receiving the applicable offers that they actually need, and retailers are equally satisfied as more of their offers hit the right mark – which means more money in their pockets.
The Road ahead…
The businesses that capitalize on the opportunities that an Omni-channel strategy presents are well- positioned to move ahead of their competition. But as new technologies emerge and customer expectations continue to change, retailers need to adapt quickly to meet those changes head on.
By personalizing their global retail approach to each individual customer and working to squeeze the greatest value out of their customer data, retailers can equip themselves for success. Retailers can better align their goals and messaging for global commerce across the company, and ultimately, improve customer experience and performance.
Solveda is a leading e-commerce, web development, custom software development & m-commerce solution provider that offers customized solutions to suit the customer needs. Get in touch with your requirements at email@example.com or visit www.solveda.com
M-commerce-The new e-commerce!Posted: September 11, 2015 Filed under: BigFish, eCommerce Platforms, eCommerce Round-Up, eCommerce Service Providers, eCommerce Sites, eCommerce Start-ups & VC Investments, eCommerce Trends, Fashion, Grocery, Healthcare, mcommerce, Ofbiz, Online Store, Open Source Platform, Retail, Web Development | Tags: B2B eCommerce, b2c ecommerce, BigFish, e-store, ecommerce platform, etail, mcommerce, online store, open source platform, retail, web store Leave a comment
The consumer behavior with respect to retail has changed considerably since the advent of internet. We see the consumer spending more time online, in order to research on a product. Even if the consumer is planning on purchasing the product offline, they tend to research on the product online.
In this multi-device world, e-commerce and m-commerce are gaining popularity. Consumers find it easy to search and buy the products that are relevant to them in the most convenient manner possible.
Let's have a look at both e-commerce and m-commerce to understand how they rule consumer behavior. It is also important to consider the transition of consumers from e-commerce to m-commerce and map their journey.
E-commerce: Tracing the Journey
E-commerce has become quite vocal in the present times. We have seen that e-commerce has taken over major spaces, bringing in convenience. We can perform banking transactions at any hour; shopping and other e-commerce solutions are at our disposal at all the odd hours possible. E-commerce has spread its wings across the different sectors, and made things easy for you. Conversions and profitability for the companies have improved with e-commerce solutions. E-commerce has the capability of ringing in the best possible consumer insights on the desk. We are connected to consumer purchasing behavior, and we can offer the best solutions based on the insights.
But, as with all solutions, e-commerce comes with limitations of its own. It is not really mobile in the way it conducts itself. There are security and privacy concerns associated with e-commerce. The platform is not yet perceived as complete secure, despite including some of the best security solutions on the platform. The telecommunication bandwidth for the solution is insufficient to solve the purpose. For e-commerce, the software development tools are still in the evolution stage. Internet and e-commerce cannot be combined into some of the existing applications and database with ease. Compatibility issues also prove to be a limitation.
The Paradigm Shift towards m-commerce
There has been an increase in the number of smartphone users in the past year. From, 10.8% in 2014, it has reached 11.3% in 2015. Multi-platform has risen in retail from 53% in 2014 to 57% in 2015 (Source: Comscore Data)
This shift is ideally the primary reason for increasing shift towards m-commerce. Retail is multi-platform, as people consider a particular platform to choose and another to buy from. Most often than not, mobiles are considered for research and selection purposes.
M-commerce offers the stores mobility, that was absent in e-commerce. M-commerce applications tend to be more location specific and are more personalized offerings. It offers an intimate store-user relationship which can pull the audiences towards it. It offers time sensitive transactions, which can benefit the user. It is real time, and offers to be real fast, which is what the mobile customer needs in today's time and age. M-commerce is absolutely great when it comes to location specific outputs, as against e-commerce.
The Road Ahead..
Currently, the shift has just moved from e-commerce to m-commerce. But, the future seems to be more of a combination. The contextual commerce, as this will be called in the future, relates to the situation the consumer is in, and the device that would attempt to solve the purpose. The completion of the purchase will depend on the context, and the way the purchase needs to be made. If online research, and offline purchase is what the context calls for, this is what the customer will perform with the multiple devices. This contextual future will call in for a combination of devices and services.
Solveda is a leading e-commerce, web development, custom software development & m-commerce solution provider that offers customized solutions to suit the customer needs. Get in touch with your requirements at email@example.com
"BigFish-One Stop Global eCommerce Solution" from Solveda!Posted: July 31, 2015 Filed under: BigFish, eCommerce Platforms, eCommerce Service Providers, eCommerce Sites, eCommerce Trends, Fashion, Grocery, Healthcare, Logistics, Online Store, Order Management, Retail, Supply Chain Management Leave a comment
BigFish is a scalable and flexible eCommerce solution. It is a solution with which retailers can enhance their business by being able to sell globally without leaving their desk. BigFish includes all components needed to manage an integrated eCommerce business, spread across brick and mortar stores, virtual stores and marketplaces. It is a customizable solution that can be tailored and scaled to your specific needs.
Integration is the soul of Retail. We ensure it across your Retail System!
Grow your online business through Solveda!!!
- Technology- A world class open source solution that leverages the power of Apache Ofbiz ERP with no vendor lock-in headaches and proven baseline features with ability to scale.
- Pre-built solutions with powerful features and flexibility to change key elements on the fly to suit dynamically changing business landscape.
- Provides a 360-degree view of your business, from eCommerce, order management, fulfillment and warehouse management through manufacturing, purchasing and accounting.
- Fast time to market, 35 – 90 day implementation
- Scalable and Supports multi-channel operations and cross channel shoppers
- Supports B2B, B2C & Marketplaces
- Mobile ready, using Responsive Web Design(RWD)
- Provides a platform for best in class
- Lower total cost of ownership (TCO)
- Rapid return on investment (ROI)
Why BigFish?
- Customizable– Every business has its unique needs. BigFish can be customized to address your specific business requirements easily and quickly.
- Scalable– One can implement individual modules and add other modules as your business grows.
- Cost Saving– No License Cost.
- High Compatibility– BigFish's compatibility with numerous application servers, database servers, and operating systems drastically reduces the initial hardware and software investment required by your eCommerce initiative.
- Sound entity model and framework– Great development environment.
- Ready for the Future– Big Fish is built on Apache's Open For Business (OFBiz) ERP project that has been downloaded thousands of times. In the future, Fortis Health World & Vishal can add new systems by simply opening up interfaces to the underlying ERP suite
Using BigFish, Solveda was able to implement a fully functioning eCommerce solution in a fraction of the time taken in traditional eCommerce development projects. Our eCommerce Platform replacement project for one client was implemented in just 35 days.
By Solveda India. For more info on solutions and offerings from Solveda, please visit: http://www.solveda.com


text:
Иван Пейчев
- Nov 21, 2014
- 11
- 15
Hi! I've been having this problem for around an year.I only use ROMs from xiaomi.eu....i have tried both stable and developer....currently i am with the latest developer rom. People complain that they can't hear me clearly....some say they hear me like a robot speaking...while others say that the sound is interrupting.Like i said it is not always happening....for example from 5 calls......2 will be OK. I found that when i restart my phone the first 2-3 calls have no problems....but soon the problem appears again.I wanted to switch off the second microphone... there used to be such function in the previous versions....but now i can't find it. I've read a lot and there are a lot of people with Xiaomi phones complaining from this issue.I am almost sure that it is a software problem,because after restarting the first calls are OK. Is there any solution for it.I would be very gratefull!


text:
In the U.S. Senate, since winning his first election in 1978, long-time incumbent Carl Levin (D-MI), has not announced his intentions for 2014.
Sources close to National Review Online reported late last week that U.S. Rep. Justin Amash is considering pursuing the seat if Levin retires. According to the NRO story, Levin has less than $250,000 in his campaign account. Tweet at Rep. Amash: Tweet
First elected in 2010, Amash's voting record has mostly lined up with the conservative-to-libertarian wing of the Republican Party. He has voted against Hurricane Sandy relief, against unbalanced budgets, and against congressional pay raises. He also votes against his party nearly 25 percent of the time, one of the higher percentages in Congress. He is often mentioned as Ron Paul's ideological successor in the House.
Amash became the face of an intra-party feud. After the November elections, Republican US Reps. Amash, Tim Huelskamp, Walter Jones, and David Schweikert were all allegedly "purged" from their committee assignments for insufficient party loyalty. Amash and Jones both later voted against John Boehner's retention as speaker of the House.
At only 32, Amash is one of the younger members in the House and is one of the top utilizers of social media. In addition to Twitter, Amash posts every vote on Facebook. In each post, Amash lists the legislation, its title, its number, an explanation of what the bill seeks to accomplish, and why he voted yes, no, or present. Share the news: Tweet
Amash's presence in the Senate might also animate the libertarian wing of the GOP. He would potentially join Kentucky's Rand Paul, Texas' Ted Cruz, and Utah's Mike Lee as the members of the Senate with a libertarian bent. However, a prospective Amash candidacy also faces a few challenges.
Despite his strict constitutionalism, Amash has earned himself negative headlines from people and groups that otherwise would be likely to align with him.
In 2011, when the new Republican-majority House of Representatives voted to defund NPR, Amash voted "present." This elicited condemnation from Fox News anchor Greta Van Susteren, who accused Amash of acting "cowardly" and that he "disenfranchised his constituents."
In Amash's explanation, he voted "present" because the bill was politically motivated to punish NPR after an executive at the publicly-funded station was caught on hidden camera besmirching the GOP.
Similarly in 2011, Amash voted "present" on legislation to defund Planned Parenthood. Although Amash is pro-life, he explained that while he opposes "abortion funding, the language, as drafted, violates my conservative approaching to legislating:"
"Legislation that names a specific private organization to defund (rather than all organizations that engage in a particular activity) is improper and arguably unconstitutional. Moreover, the legislation is easily thwarted because the organization may simply change its name."
The Michigan Republican Party is officially neutral at this point. However, a few GOP operatives are already advising on the contest.
Bill Ballenger, a former Michigan state congressman, told Michigan Live that "[Amash] is a divisive figure, not just in the general electorate, but even within the Republican Party because he's one of the most conservative members and he's a maverick." He went on to say that Amash has "rubbed a lot of people in Republican leadership . . . the wrong way."
Seen by many as Ron Paul's ideological successor in the House, Amash could also potentially shadow the retired congressman in another way. Tweet it: Tweet
In 1984, Paul relinquished his House seat to run for the U.S. Senate. He finished a distant second place to the Phil Gramm. Despite losing only one election once he got to Washington, Ron Paul never achieved a statewide victory in Texas. Likewise, he never won the popular vote in a primary state in either of his Republican presidential campaigns. Although Texas was a state beginning to trend Republican, Michigan has not voted for a Republican for president since 1988.
Amash has made no formal cues himself about a prospective U.S. Senate run and his decision hinges largely on the decision of Carl Levin to run for reelection or retire.


text:
This idea has been archived, contributions have been disabled
The overview tab in the meetings section shows only meetings for the next two weeks.
Two weeks is a very short period in my opinion - therefore it would be better that each user could configure the timespan individually.
Hi Jan,
Thanks for pointing this out. Each user can of course see all their assignments on their own overview...and all the project's meetings/tasks/issues/milestones for up to 60 days on the Project Overview page. I agree that it can seem a bit inconsistent that the information is not available on the Meeting Overview.
For now, I will follow the voting on this...and advice you to use the Project Overview page to see future project work.
Best regards,
Hi Karolina, I agree with Jan that it would be great to be able to customize the time span in the meeting overview. The Project Overview only shows the meetings that I am participating in, but if you are interested (i.e. the Projectplace administrator) in seeing all project meetings in the future, you have to go to booked meetings and configure the view here.
It is just that You always go through the Meeting overview (to get to the booked meetings), so why not be able to configure this view as well?
Hope you will consider this functionality again :)
No activity


text:
RasPiComm on Arch Linux ARM
I recently bought myself a RasPiComm add-on board for the Raspberry Pi. It has RS232 and RS485 ports, amongst other things, that I wanted to exploit as part of my home automation by using this device to bridge between the lighting control network and HVAC control. My Linux of choice these days is Arch Linux, … Continue reading RasPiComm on Arch Linux ARM


text:
Madi Robinson has written her name into the history books by becoming just the third captain of the Melbourne Vixens since their inception in 2008.
The 2016 season will be the first time in the ANZ Championship's history that the Vixens are not led by either Sharelle McMahon or Bianca Chatfield.
McMahon and Chatfield acted as co-captains from 2008 to 2011, before Chatfield took the reigns as solo captain following McMahon's retirement in 2011, until her own retirement in 2015.
Robinson, who has served as vice-captain for the past four years, said she was honoured to be recognised in the same group as her predecessors.
"It is a huge honour, (Chatfield and McMahon) are illustrious captains and players in their own right, and I have learnt a lot playing and leading alongside Bianca," Robinson said.
"I'm sure I'll take some of those experiences into it, but hopefully just own the position and be true to myself in this role as well."
This is not the first time Robinson has taken on captain's responsibilities with Simone McKinnis at the helm.
"The 21/U Aussie team in the Cook Islands was the last time I worked in that position with Simone (McKinnis)," Robinson said.
"I think our relationship has definitely grown since then, we have a really good understanding of each other so I'm looking forward to it."
Robinson, who has 44 international caps to her name, missed the majority of 2015 including the Netball World Cup, after injuring her ACL in round 6 of the ANZ Championship.
She said her time on the sidelines allowed her to develop personally, as well as shape her leadership skills from a different viewpoint.
"Stepping out of the whole netball bubble and taking some time away, you do see things from a different perspective," Robinson said.
"It's sometimes those forced breaks that can be hard but if you can learn from those experiences I think that's some of the most quality learning that you can actually do."
Robinson is set to make her long-awaited return to the court in the upcoming ANZ Championship season which begins on April 1.
"Round 1 I'm on track and ready to go.
"I'm pretty much doing everything at training, just no contesting at the moment but that will gradually build as we start to play some practice matches in the coming weeks."
All eyes will be on the two-time Liz Ellis Diamond winner when she returns to the court.


text:
I've had my questions about the future of SunEdison (NYSE: SUNE) given the company's financial position and continued losses for quite a while. The development company built what I think is a house of cards on top of yieldcos TerraForm Power (NASDAQ: TERP) and TerraForm Global (NASDAQ: GLBL), which were supposed to buy projects indefinitely from their parent company.
But that narrative has fallen apart as the stock of all three companies has dropped in the last six months. Yet, both yieldcos should have stable businesses and with TerraForm Power yielding 16.7% in dividends and TerraForm Global yielding 23.1% it would seem that there's some value left in their shares even if SunEdison is headed for the worst.
Yieldcos should be where safe money goes
The whole idea of a yieldco is it's a company that owns renewable energy projects with long-term cash flows that will result in a stable dividend for investors. Wind and solar projects produce about the same amount of energy each year and the projects have long-term contracts with utilities to buy that energy, so the business seems safe on the surface.
Below, you can see that both TerraForm Power and TerraForm Global have businesses that generate real revenue and real cash flow from operations.
TerraForm Power
TerraForm Global
Market Cap
$1.16 billion
$936.6 million
Q3 Revenue
$163.3 million
$29.4 million
Q3 Net Income
$2.4 million
($82.9 million)
Q3 Operating Cash Flow
$70.0 million
($29.5 million)
Q3 Cash Available For Distribution
$71 million
$24 million
It seems like a business that can generate a significant amount of cash each quarter should be worth something, particularly given the huge dividend payout. But these are no ordinary dividend stocks.
The problem with SunEdison's yieldcos
What complicates both of SunEdison's yieldcos is their strange relationship with SunEdison itself. If you look at the income statement of both companies, TerraForm Power spent $14.6 million on general and administrative costs from its affiliate (SunEdison) last quarter and TerraForm Global spent $6.3 million on the same line item. These costs are added back to cash from operations when calculating cash available for distribution, boosting the appearance of available cash for shareholders.
It makes sense that net income would be lower than cash available for distribution, because cash for distribution pulls out non-cash depreciation expenses, but cash available for distribution is what determines a yieldco's dividend and right now both are paying out more than they're taking in from operations.
This discrepancy between cash flows and cash paid to shareholders also makes it hard for me to call a bottom in yieldco stocks. Dividend yields of 14.6% at TerraForm Power and 21.1% for TerraForm Global seem amazing but the numbers never seem to be as straightforward as they should be and with $2.5 billion in debt hanging over TerraForm Power and $1.2 billion in debt at TerraForm Global both companies have more uncertainty than I'd like at the moment.
Value is there, but at what price?
TerraForm Power and TerraForm Global have value for investors and I think they're far from dead. The questions is: What price is fair for both?
Right now, yields in double digits seem amazing, but I'm worried about paying out more cash than both are bringing in and the costs of being associated with SunEdison. Over the next year we'll be able to see both slow down acquisitions and become more stable companies, giving investors a good idea of what their cash flows will be long-term.
Once we see that stability in operations I may be more likely to jump into these stocks. I'd rather see both companies become steady cash flow machines rather than the growth companies they still talk about being. Until then, I'm taking the safe route and watching them from a distance.


text:
DJ HEAD DEBIASE:Nothing much, just taking everything one day at a time fam. What's going on with Head Debiase is maintaining, staying focused and trying to help expand & build the Aphilliates brand as well as my "Intent To Deliver" brand.
WRMR: So how did you come up w/ the name Head Debiase?
DJ HEAD DEBIASE:The way I came up with the name Head Debiase was…Let me start here. My name originally was DJ Head, until years later I found out Eminem's DJ name was DJ Head and he was right over in Detroit, a couple hours away. So I said to myself, Nah! Can't even do it like that son…so with much help from fam & friends "Debiase" sounded good, plus if I deecided to drop the DJ I wouldn't have to change my name again.
WRMR: How's it like in Grand Rapids, MI? How's the Music Scene Looking?
DJ HEAD DEBIASE:Grand Rapids…I Love it, but this city is very unpredictable; you never know what'll you'll get around here. And as far as the music scene, there's a lot of talented individuals in the city. We just don't really have the support system we need to further go the process & that's where me and my team come in.
WRMR: What's it like working with such a highly respected crew like The Aphilliates?
DJ HEAD DEBIASE:It's a blessing to be honest. Shout to the homies DJ Drama, Trendsetter Sense, Willie The Kid & La The Darkman for the opportunity & taking me in as a brother & not just a random ass person.
WRMR: You don't limit yourself to just one area, your name has been popping up all around! What other city do you like to be in?
DJ HEAD DEBIASE:As far as other cities I have to say [no specific order]: Chicago, Detroit, New York, Atlanta, Los Angeles, Memphis.
WRMR: What do you think its going to take for the Midwest to finally get its fair recognition?
DJ HEAD DEBIASE:What it's gonna take is for everyone to just be theirself and not immitate nobody, do you. And also be supportive of one another as well as learn the business before you jump in, don't come in blind to what's going on or shit can get ugly.
WRMR: You can tell by listening to your mixtapes & twitter that you are big on Loyalty, Respect & Living by a code. How important do you think it is for people in this industry to have those morals?
DJ HEAD DEBIASE:It's very important, because in this day & time a lot of people are on the independant side of things as far as the music business goes & I know & feel their pain when trying to reach the next level. So I've learned to humble myself & be happy with what I have at the moment & just keep working and whatever is meant for me will come in time, "Patience is a virtue".
WRMR: What are some artists that you would like to do a tape with that you haven't worked with yet?
DJ HEAD DEBIASE: I really have no specific artist I'm just ready to work, know that! But I would like to do a Lil Wayne & Cory Gunz tape that might be slight ill.
WRMR: So what's next for DJ Head Debiase?
DJ HEAD DEBIASE:What's next for me is more mixtapes, events & parties…I have street albums in the works & many projects on the way, such as: Young Hash [The Bronx], Stretch Money [Detroit], Trav [Queens], Smoke Dza [Harlem], YP [Chicago], STREETZ -N- YOUNG DEUCES [Milwaukee], Los [D.C.], Cory Gunz [Bronx], Willie The Kid [Gun Rule], La The Darkman [Gun Rule], Civi Mahdi [Gun Rule], Sonny Black [Gun Rule]…and so on…..lol.
WRMR: Ok, I know Floyd Mayweather is also from Grand Rapids so your probably rolling with him…what's your prediction on the Mayweather / Mosley Fight?
DJ HEAD DEBIASE:C'mon Son! Hell Yeah! I'm rollin' with the home team! Floyd is my homie, real close friend & I'm not just saying that shit cause he's from where I'm from, like a lot of people do. If you come across him ask him bout me he'll tell you….LOL…But yeah I got whatever on homie…Nev Sugar Shane…Hae!
WRMR: Thanks for the Interview! Anyshout outs or anything you want the general public to know, How to reach you?
DJ HEAD DEBIASE:No Doubt! Thank You! Shout to: The Real Midwest Radio, www.HeadDebiase.com, The Aphilliates, Jon Jelks, Tekh Togo, Gun Rule & any & everybody who has helped me thus far. To the general public "PAY ATTENTION"….
For all mixtape hostings contact: email@example.com
All Parties/Bookings: firstname.lastname@example.com
Follow me on Twitter: @DJHeadDebiase


text:
Your Custom Text Here
Actor Raymond Ablack
Raymond, born and raised in Toronto took to performance at age eleven, during a stint as Young Simba in the Mirvish production of The Lion King in 2001. He has since devoted himself to artistry through drama, music and filmmaking. Raymond has worked extensively in film, TV and commercials. Notable credits include Orphan Black, How to be Indie, Life with Derek and a six year tenure as a series lead on Degrassi. As well, Ray graduated with honours and an arts specialty diploma in choral music from Cardinal Carter Academy for the Arts. Currently studying Radio and Television Broadcast at Ryerson University, Ray looks forward to continuing his career in film and TV and the arts. Beyond his career, Ray is an avid traveller, volunteering on school building initiatives in Kenya, Ecuador, India and Haiti with the charity, Free The Children. Stemming from his experiences abroad, Ray works as a motivational speaker on behalf of Free The Children, urging youth audiences across North America to shed apathy and take action to better their communities, locally and globally.


text:
Top 10 Tips for Black Friday at the Pavilion.
So almost everyone we know is planning on taking advantage of the amazing Black Friday specials available at stores countrywide. We are thrilled that the Pavilion Shopping Centre is gearing up for the Biggest Black Friday KZN has ever seen, with some stores offering savings of up to 75%!!!
If you are a bargain hunter, or just wanting to get an early start to your Christmas present shopping then check out the Top 10 tips which are sure to guarantee you the best bargains:
1. Suss out the specials: By checking out adverts and brochures ahead of Black Friday, you can plan your shopping trip and know exactly what you are looking for and where to find it. By preparing and planning your shopping in advance, the experience becomes easier and more enjoyable.
2. Budget for the big day: All those super deals are tempting – but it's not a good idea to over spend. Write down your Christmas Budget, taking gifts, food, décor and entertaining into account. Match this against your black Friday budget and tick off items in order of importance. If you can't buy everything, at least you'll know which ones are the most important.
3. Map out your mega shop: As the cliché goes, if you fail to plan, you plan to fail. Check your shopping list again and work out what's most important and where you need to be first. We've grouped our tenants to make sure that you can buy all your related items together – that way you won't waste time and energy walking up and down!
4. Start your shopping early: Early birds catch worms and latecomers might find that discounted items run out quickly. Note stores' trading and specific sale hours.
5. Team up: Bring a friend or your family for the shopping adventure: This not only makes Black Friday more fun but teamwork means you can get far more bargains, quickly. Split up and hit the shops – but make sure you have cell phones at hand to compare prices, inform others of unexpected bargains – and eventually meet up again!
6. Pay with plastic: Remember that debit and credit cards are far safer than carrying large amounts of cash. Put the amount you are expecting to spend into your credit card – and remember the added bonus is that you earn loyalty points or rewards when swiping.
7. Always ask for a receipt: You can't guarantee that clothing will always fit or that you don't duplicate a gift. So, to be sure, ask for a receipt so that goods can be exchanged or returned.
8. Have a Snack: Don't forget some munchies to restore your energy during your retail recce. Many of our retailers have on the go snacks and drinks. Alternatively, stop for a quick breakfast, grab and ice cream or a take-out coffee – or send a friend or family member to the Pavilion Food Court for a top up.
9. Dress to shop: You'll be doing plenty of walking and carrying, so wear comfy clothing and shoes to avoid hurting feet and blisters.
10. Keep Your Cool: With lots of enthusiastic bargain hunters for company, it's easy to get a little stressed out. Resolve to keep your cool before you head out on your Black Friday shopping expedition – after all, you'll be smiling when you realise just how much you've saved at the Pavilion!


text:
Christopher Woodhouse, 6th Baron Terrington
Professor Christopher Richard James Woodhouse, 6th Baron Terrington (born 20 September 1946) is a British peer and a senior urologist.
He was born in 1946, the son of Colonel Christopher Woodhouse. He was educated at Winchester College and Guy's Hospital Medical School. Throughout his academic career he was an avid coxswain, steering Winchester College, University of London and Leander Club crews.
Terrington became a urological surgeon in 1970. He was senior registrar at the Institute of Urology from 1977–1981 and senior lecturer from 1981 until 1997. In the latter year he moved to University College Hospital as Reader in Adolescent Urology, and professor from 2006. He has been Clinical Director of Urology at the same institution since 2001. He was a consultant at St George's Hospital from 1985–1995 and has occupied the same position at the Royal Marsden Hospital since 1981 as well as that of honorary consultant at Great Ormond Street Hospital since 1981. In addition, Terrington has been an honorary member of the Australasian Urological Association since 1999, Chairman of the British Journal of Urology since 2000 and President of Genito-Urinary Reconstructive Surgeons (USA) since 2002.
He inherited his title when his father died in 2001. He was an unsuccessful candidate for election as a crossbench hereditary peer in the House of Lords by-election held in May 2008. He married Hon. Anna Philipps, the daughter of Hugo John Laurence Philipps, 3rd Baron Milford, in 1975, with whom he has two children.
- With F D Thompson: Disorders of the Kidney and Urinary Tract (1987) ISBN 0-7131-4412-2
- Long-Term Paediatric Urology (1991) ISBN 0-632-02936-6
- With others: Management of Urological Emergencies (2004) ISBN 1-84184-177-3
|Peerage of the United Kingdom
|Preceded by
Montague Woodhouse
| Baron Terrington
Heir apparent:
Hon. Jack Woodhouse


text:
We have all heard or seen elements of the left's "war on Christmas," a key tenet of which is their insistence that non-Christians are excluded and offended by the holiday and Christians should therefore lay off the breadth and intensity of their celebrations in order to be more tolerant and inclusive of others not sharing their faith.
But that key tenet to the "war on Christmas" was just blown away by Israeli Prime Minister Benjamin Netanyahu, who offered up an incredible message of open-mindedness and tolerance for devotees of a faith different than his own, according to the Jewish News Service.
"To all of our Christian friends around the world, Merry Christmas and a Happy New Year!" Netanyahu said in a video posted to Facebook that received more than 24,000 likes in the first six hours it was online.
"I send you these greetings from Jerusalem," he continued. "I'm standing in the courtyard of this magnificent International Christian Embassy. I'm so proud of our relations with our Christian brothers and sisters."
To those Christians who have traveled to visit Israel, Netanyahu shared in their wonder and experience of seeing the incredible historical sights, such as, "(T)he Church of the Holy Sepulchre or the Via Dolorosa or the Sea of Galilee or Nazareth. I'm sure it moved you deeply."
"And it moves us deeply to have this bond with you because we all know that this land of Israel is the land of our common heritage," he stated. "It changed the story of humanity, it changed civilization. What a magnificent heritage it is."
"Yet, we also know that it is under attack these days, that the forces of intolerance, of barbarism that attack all religions attack Christians with particular vehemence," Netanyahu noted. "We stand with you and I'm proud of the fact that in Israel, this is the one place in the Middle East that the Christian community not only survives but thrives, and it's no accident. It's because of our commitment to religious freedom; it's because of our embrace of our heritage; it's because of our embrace of our common future."
He ended his Christmas message with an invitation for all Christians to come and visit with him and others in Israel, which you can watch right here:
This is how a real leader delivers a Christmas message, according to Conservative Review. Israel is the only place the takes care to preserve the sites considered holy to Christians, and is the only place that allows them to worship openly and share their faith without fear of repercussion.
Like us on Facebook – USA Liberty News
Please share this on Facebook and Twitter so that everyone can see this incredible Christmas message from Israeli Prime Minister Benjamin Netanyahu.
What did you think of Netanyahu's Christmas message to Christians around the world? Scroll down to comment below!
Source: conservativetribune.com


text:
If Aaron Rodgers now gets spotted by a fan, there are three possibilities, he is recognised as the Green Bay Packers quarterback, the discount-double check guy from State Farm or . . . Tom Wrigglesworth?
Separated at birth?
Aaron Rodgers now has a doppelganger and it's an English Comedian with a heavy accent who can't throw an american football more than 10 yards, Tom Wrigglesworth.
Wrigglesworth sports a heavy moustache alongside a soul patch in order to look uncanny next to the Green Bay Packers signal caller Aaron Rodgers, so much so that even teammates of the quarterback did not recognise it wasn't actually him.
The comedian was at training camp on Wednesday and was filming his little trickery as he masqueraded as the franchise quarterback at the Green Bay complex.
The real A-Rod?
With similar facial hair to Rodgers, dressed in a Packers hoodie and hat, Wrigglesworth was bombarded by adoring Green Bay fans who wanted a picture with their star quarterback.
The doppelganger continued to introduce himself as 'Tom' to fans after autographs and signed his 'John Hancock' left handed, I'm sure we don't need to tell you which arm Rodgers slings lasers in the NFL with.
Wrigglesworth still in his role as Rodgers, proceeds to receive the key to the city from the Mayor before making his way to the Packers locker room to meet some of his already established 'teammates'.
He would finally go on to meet Rodgers himself, the two share a moment of recognition that they are probably related down the line somewhere due to their uncanny similarities and then the Packers QB introduces the comedian as his cousin to the rest of the locker room.
Its an interesting and funny video to watch, a few of the Packer players have to do double takes when they first glimpse Wrigglesworth posing as Rodgers, you can check it all out below.


text:
To make a difference and save lives of homeless animals and each one of you can make a difference, you really can!
"Animals deserves a chance to live a full life." (Daniel Hausmann)
The kitty in our picture was a real shelter cat they named Galvin, he did not make it out alive, I tried to save him, I called an hour too late, he had just been killed. This was in 2001. He has been in my heart ever since, I can't shake that I didn't call sooner, I had seen his picture four hours before but was waiting until my lunch hour to call and put a hold on him. This site is in honor of all of the Galvins in the world, who did not get out alive.
We here believe that each and every one of you has the power to make a difference in an animal's life. If you cannot do it yourself, please donate and help us continue to be out in the battlefield of unwanted pets and save more lives and make a difference.
NOTE: This cause was created in 2009 by a 12 year old boy who loves animals. He is a volunteer for our rescue organization and he is an amazing human being even at this young age. His love and compassion for homeless animals motivated him to start this cause page on his own and choose his rescue organization as the beneficiary. He found the cute picture of a kitten to use for the site, came up with one sentence that says it all, "DON'T KILL UNWANTED PETS AT SHELTERS" and it took on a life of it's own. This page has grown in leaps and bounds and has now thousands of members, because they are in agreement with our amazing volunteer, Daniel.
I want to thank Daniel for starting this cause and I want to thank each and every one of you for becoming a member of this site.
I hope that we can build on this cause page and make it something spectacular. Each one of you can make a difference in a homeless animal's life, by either working hands on with homeless animals or donating to causes suchs as ours to allow us to do what we are doing.
Thank you!
Georgyne La Lone Precious Paws Founder/President
2. We are trying to teach each person to be responsible for their own pets and make sure they are spayed or neutered.
3. To teach people that each and every life is precious and they deserve a loving home and a long life.
4. Each one of us can make a difference in one animal's life.
5. www.preciouspaws.petfinder.org - see some of the lives we have saved from the shelter or off of the streets.


text:
Take time between yoga classes to relax with Isabelle for a personalised massage treatment.
Several ancient practices are used for balancing and renewing your energetic and organic systems: tui na, shiatsu, thai, korean relaxation, blended with cupping and moxa when needed. The muscles are also relieved of the efforts with deep tissue technique, which relax them and make you feel light from feet to head.
Isabelle's knowledge and experience provides added depth to the physical and emotional release gained from practising breath work and yoga postures.
Treatments are arranged prior to your stay.
You can talk to Tamsin with any questions you may have about treatments and how they can help support you in addition to the yoga classes and yoga diet.
email@example.com +33 (0) 6.59.85.04.55


text:
My Article: Sbobet
What is sbobet?
I'm writing an article about sbobet. It is the leading sportsbook provider in Thailand. It is the number one website to go to because it's been around for decades. It is a sponsor for many sports including football. It's a great service for many sports fans. They can check out ball schedules to check out live. In the past, most people would watch sports on TV. now we can go onto the Internet to check our scores. You can call them on the telephone or use live chat on the website. Most of these websites have great promotions like bonuses and jackpots. This is practically a betting site so be careful. These websites are easy to register in and must need a bank account in order to be paid. This website is just like most sport websites in which you don't have to leave your house.
Is this betting or gambling?
Most of these websites are very high risk when it comes to betting. You have to study investment and know what they are doing before they invest. This is completely different than just going to a bookie and placing a bet. These people won't come after you and break your limbs if you miss a payment like they do in most black and white movies. It's best to learn about this sites before joining up. It's also best to make sure these sites are legitimate and not a scam to take your money. Most of these websites are high stability because they deduct enough money out of their customers' account and pay them back. It's trusted because it is 100% safe. Most people would use other websites, get addicted to it, and lose all of their savings. Be careful when using these websites so you don't wind up losing your shirt.


text:
- Home
- Hand Stamped Necklaces
- I Love You More Necklace with Gold Heart Charm
Product Description
"I Love You More..." A beautiful sentiment to share with someone you love.
The I Love You More Necklace is the ultimate "I love you gift"! This necklace features a hand stamped, sterling silver disc accented by a 14K Gold Filled Heart and hangs from your preferred length of delicate sterling silver cable chain. Such a simple and lovely hand-made gift!
• This item is made to order and will ship in 2-3 weeks (Expedited delivery available at checkout)
Product Reviews
Write Review
Find Similar Products by Category
Customers also viewed


text:
L.K. Boast
Human–Wildlife Conflict 10 Years Later: Lessons Learned and Their Application to Cheetah Conservation
Cheetah (Acinonyx jubatus) conservation is interconnected to social, economic, and environmental factors. Since the 2003 World Parks Congress, cheetah conservation practitioners have been applying human -wildlife conflict resolution strategies throughout Sub-Saharan Africa. Future Farmers of Africa training has taught farm management skills to over 3,000 rural Namibian farmers and is being used in other range countries.
07.16.2015 • Scientific Papers • By L.L. Marker, L.K. Boast


text:
Downfall MB Games
Ah… Downfall. Despite never owning this I spent many an hour playing it against my cousin. He would usually beat me too - but I always kept coming back for more.
That was the beauty of this vintage game - it was simple, yet fun to play and very addictive.
You had 5 red discs, your opponent had five yellow discs (or vice versa - and the yellow discs were green in some versions of the game), with the object of the game being to move all of your discs from the top of the wall into the tray at the bottom before your opponent did.
Each of you had cogs to turn on your side of the wall which had slots for the counters to drop into. But this is where it got interesting.
Both sides of the wall had the same turnable cogs, but the little slots that the discs fell into were in different places, so you never knew if by lining up your slots from one cog to another, you were actually helping your opponent!
Sneaky and clever eh?
All in all it was pretty good and solid fun. You could even this classic toy more challenging...
Each disc was numbered from 1 to 5, so for real downfall genious you could try to bring your discs down to the bottom tray in numerical order. If you failed you would have to place your out of order pieces back in the top slot again before trying to bring them back down.
Needless to say I never managed to do this - although I did get three pieces in order one time.
Funnily enough whenever my cousin beat me he always shouted 'Connect Four!' - a fact I remind him of to this day. It makes me feel less bad about losing most of the time anyway...
Downfall is still going strong today - so it must have something about it.


text:
Pediatric Eye Exams
Did you know that when you go see an eye doctor we already pretty much know your prescription before we ever ask you any questions? We are able to see a reflex off of the retina that allows us to evaluate the prescription without feedback. This is what we do for children who are unable to answer accurately our questions. This is helpful for really little children, children who are nonverbal, and even to help us decipher whether children who want glasses actually need glasses.
Main 2 Reasons for Kids to Wear Glasses
- If the glasses are going to help them to see and function better in any aspect of their life
- If the prescription is high enough that without the glasses they run the risk of their eyes becoming lazy or not properly developing.
Amblylopia (Lazy Eye) Treatment
- Full time glasses wear-Sometimes full time glasses wear is enough to help both eyes develop properly
- Patching- we will often prescribe 2 hours of patching of the better eye per day to help strengthen the weaker eye
- Eye drops- we may consider using one drop of Atropine a week to blur the near vision of the better seeing eye to force the child to use the weaker eye
- Acupuncture- Not prescribed as often but acupuncture has shown similar effectiveness to both the eye drops and patching
Contact Lenses for Kids
Contact lenses are a great option for kids of all ages. Here are some of the things we consider when fitting kids with contact lenses:
- We will not fit contact lenses unless the child and the adult both want them and are both ready to take on the responsiblity associated with managing them
- Daily lenses allow less maintenance, less handling and thus have less risk for infections
- Contact lenses are a great options for children who are very active or children who are self conscious about wearing glasses
- We do not let anyone leave our office with contact lenses without knowing how to insert and remove the contact lenses
- We will train on insertion and removal and things to do and not to do using contact lenses
Myopia Control
Recent studies have shown 3 effective treatment options for children with myopia (near sighted) who are progressing. There have been several studies that have shown there is a huge difference in the quality of life of a person who has a mild prescription versus someone with a moderately high prescription.
- Very low dose (0.01%) Atropine drops used daily in both eyes. These drops are not yet commercially available so they need to be compounded at a special compounding pharmacy.
- Ortho K- fitting contact lenses to be worn at night that flatten the cornea to allow for uncorrected vision during the day.
- Multifocal soft contact lenses
- Allowing children who are not yet nearsighted at least an hour a day to play outside has been shown to prolong when they require their first pair of glasses. Once the child becomes nearsighted the outdoor benefit seems to be diminish.
- Children who do not wear their glasses or who are under corrected have been shown to have the opposite effect and have been seen to progress at a faster rate. So if you suspect that your child's prescription has changed getting them checked right away rather than waiting for their yearly exam is best.
Vision Therapy
When vision problems are present that are not fixed with glasses or contact lenses vision therapy may be a great solution. We offer out of office training where we train you how to do the exercises and then have you complete the eye exercises at home.


text:
Unfortunately due to the NA\EU glider upgrade system anyone who enhanced their Basic Titan's Wings glider is now unable to craft them up to the new tier, Furious Titan's Wings. I am not sure how they expected people to not upgrade the Titan's Wings beforehand when the original boss was released in February 2017. The newest version just came out with 4.5 and delayed even further by a bug which prevented the easy mode Thunderwing Titan from being killed.
There has already been a few tickets submitted to Customer Support with no direct solution available apparently. Their stated solution is to contact XL to alter the crafting recipe to allow NA\EU to use the Enhanced version in the recipe. Is there any immediate solution to this issue as in taking the user's materials and providing them with the Furious Titan's Wings or manually reverting their Enhanced glider to allow the craft?
Ticket IDs:


text:
How To Use Google Adwords In 2013
Filed Under (ADWORDS) by claude on 14-05-2013
The money you can make on Adwords is pretty big if you do it right.Specially for people who need help like Corporations, small business owners.
I used this product to help local businesses right now.
1. Google Adwords still works and works well, not really for affiliates but for product owners and any businesses that want to
advertise with them. So I created a 27 part video course on how to use Google Adwords in 2013. This is the most up to date training on Google Adwords out there right now.
This 27 part video training course with over 3 hours of content is a complete video guide of how to use Google Adwords in 2013 I believe I am more then qualified to offer this to you having trained over 10,000 pay per click marketers over the past 5.3 years. I know what works and how to do it right. I'm going to show you exactly how in this up to date case study.
So how much am I charging for this awesome video training? Hardly anything. It's $17, that's insane for what you're getting. It's $20 off the normal price of $37 and that is 54% savings for you. Click Here For More info about Adword 2013.