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This seaworthy trimaran, designed by John Marples, was constructed in 1987 by Steve Neal in Maine. See "owner's narrative" below for personal description and comments.
This 35 trimaran, designed by well-known marine architect John Marples, is a stout boat built in Maine by Steve Neal in 1987. She was originally named GOOD ENOUGH.
About 7 years ago Jo Hudson (a good friend of the well-known multihull pioneer Jim Brown) purchased her from the builder. Jo, Jim Brown and another crewman sailed her to Guatemala. There she was mostly docked at the Catamaran Hotel, which is located amid an idyllic, well-protected boat haven on the Rio Dulce River within the country.
When this boat was up for sale in June of 2011 I flew to Guatemala with an experienced surveyor and captain to check her out. After a thorough inspection I purchased GOOD ENOUGH and with the surveying captain, sailed her back to Florida. I renamed her SPRAY while making preparations for offshore sailing.
During one memorable trip from Port Canaveral, Florida I sailed SPRAY alone to Atlantic City, New Jersey. There I picked up my crew, Maryanne Schauman. Thanks to an accurate weather forecast by Chris Parker (from the Marine Weather Center) we made a 400 mile sail under sunny skies and a gentle rolling sea to Port Georges, Bermuda. After a week of R & R exploring this British Isle in the mid-Atlantic, my crew flew home.
SPRAY and I then spent the next fourteen days leisurely sailing back to Florida. Save for an occasional distant squall, it was a splendid voyage. My comfort level, hundreds of miles offshore, grew quickly. SPRAY is a stable cutter rig with an easy-to-manage sail plan. She boasts plenty of room, both on deck, in the cockpit and below. In winds ranging from 5 – 15 knots and seas between 1 – 5 feet she feels very secure, with no rolling or pitching. I can make coffee, and even scramble eggs or make a stew for any meal, as easily as on terra firma. A year after my first big sail in SPRAY, another mate and I sailed her to the central Bahamas and back.
The following winter I again sailed SPRAY, by myself, from Everglades City, Florida across the gulf, to where I cleared customs at Cat Cay, Bahamas. After a day's rest I began a three month sojourn throughout the southern Bahamas. The highlight of this trip was a passage to Hogs Sty Reef, an atoll in the mid-Atlantic, between the Jementos and Caicos. After a few days of wonderment, catching lobster and living the good life, I headed for the Caicos. There I restocked for the last leg; destination Luperon, a well protected harbor on the north side of the Dominican Republic. It was an 85-mile reach in 5-foot beamy seas. With stay sail, full main and newly installed Yanmar it was an ideal day of sailing under sunny skies. Taking advantage of the Garmin 740s chart plotter SPRAY and I were safely delivered to the Luperon estuary with two hours of daylight to spare.
A bit of time was spent in the DR until my mate and I reunited in Luperon. We were then blessed with a following sea all the way to the Cay Sal Bank, which lies west of Andros Island. Crossing the Gulf Stream at night we hit a storm with raging winds and sloppy 5 – 6 foot seas. With a reefed main and staysail for power, SPRAY sailed comfortably, in sync with the ocean swells.
Last winter my mate and I cruised to the Exumas, Rum Cay and Long Island. SPRAY has proven to be perfect for comfortable living and for nestling into the coves and hideaways of Bahamian islands and shoal harbors.
Now settled in the swampland of Everglades City, Florida SPRAY is itching for a new owner to take her on new adventures. Unlike the cliche about a boater's happiest day being the day they sell their boat, SPRAY will be sorely missed by me. She became an essential part of my life. Should I set sail again, I'd be hard pressed to find a comparably seaworthy and satisfying sailing vessel anywhere.
Beam = 22 feet
Draft = 2.5 ft
Fuel = 25 gallons
Water = 30 gallons
Mast height from waterline = 56 ft
Top of mast to deck = 40 feet
(Mast is deck stepped)
Built in cold molded wood/epoxy by Steve Neal in Maine
Decks built with marine ply; are in good condition
The boat is dry and sound.
Bottom antifouling paint was new in October 2014 and is still in good condition.
One double berth to port
Single berth to starboard (can be extended to sleep two adults)
Galley table, teak-seats 4 adults
Galley stove: Origo double burner alcohol stove
Galley sink: stainless steel with manual water pump
Head: brand new Lavac manual head in forepeak, with holding tank
12V electrical system
Five batteries:
-two 12V gel cell house batteries
-two 6V golf cart batteries wired to make 12V system
-one 12V gel cell battery dedicated to windlass
Solar panels: two Kyocera 140 Watt PV modules
Blue Sky solar boost IPN-Pro remote
GPS: Garmin GPSMap 740S (color GPS sonar ready chart plotter)
Depth: Raymarine ST60Plus depth display
Autopilot: Raymarine P70 Pilot Controller
AIS Vesper Marine Watch Mate
Radio: KOM 706 Mk II GHF/FHF/UHF transceiver
Radio: Icom IC M424 Marine VHF radio
Two mainsails
One roller furling staysail
Two roller furling jibs--one general purpose, one for off the wind
Stack pack with lazy jacks for mainsail
Harken jib furling system
Harken staysail furling system
Isomat aluminum mast with climbing steps
Self-tailing winches
Yanmar 2GM, 20 h.p. inboard diesel
less than 700 hours
fuel consumption 1/3 gallons at 5 knots
Three anchors with chain and rode:
-35 lb plough
-32 lb claw
-25 lb claw
Dodger/bimini, brand new; completely encloses cockpit
One self inflatable PFD
Four cockpit cushions
Weather Hawk wind indicator
Dyneema nets
Boarding ladder
Dinghy--8 foot hard shell Walker Bay rowing dinghy with launching and retrieving system
Mini-grease gun
Miscellaneous tools, spares, and safety equipment
Windcraft offers the details of this vessel in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. This vessel is offered subject to prior sale, price change, or withdrawal without notice.
120 Point Comfort Rd
Mary Esther, FL 32569
United States


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Employees rival malware for data losses
Negligent employees are starting to rival computer virus infections as the biggest cause of data loss in UK businesses.
This Article Covers
Risk management
Negligent employees are starting to rival computer virus infections as the biggest cause of data loss in UK businesses.
Some 60% of UK businesses are losing sensitive data as a result of negligent employees, according to the Worldwide State of the Endpoint Survey 2010 by the Ponemon Institute.
Your exclusive guide to CIO trends
A collection of our most popular articles for IT leaders from the first few months of 2016, including: - Corporate giants recruit digitally-minded outsiders to drive transformation - Analytics platforms to drive strategy in 2016 - Next generation: The changing role of IT leaders.
By submitting your personal information, you agree that TechTarget and its partners may contact you regarding relevant content, products and special offers.
You also agree that your personal information may be transferred and processed in the United States, and that you have read and agree to the Terms of Use and the Privacy Policy.
This is exacerbated by the loss and theft of desktop and laptop computers and other mobile computing devices reported by 55% of organisations. Twenty eight per cent have lost sensitive data held by a third party or cloud computing provider.
The study also found nearly 30% have experienced malicious theft of data by employees, evidence of the growing insider threat in the recession as more people are made redundant.
But the prolific nature of data leakages is not surprising, the study said, given that 76% of employees can e-mail data out of their organisation without any trace and 70% can download data onto a USB stick without detection.
This is contrasted with the fact that over three quarters of organisations have reactive anti-malware and anti-virus technologies in place.
Nearly half the respondents (49%) said a lack of skilled staff was the main challenge to preventing data leakage and protecting data against new security threats.
The inability to integrate multiple security technologies was cited as another major security challenge by 42% of respondents. Seventy per cent said they were running three or more security management consoles.
"For organisations to get a clear view on where their data lives and is accessed and what threats they are being subjected to, they must bring the different security technologies together onto one endpoint management platform, said Alan Bentley, senior vice-president at security firm Lumension, which commissioned the study.
"The study provides evidence that companies are racing to adopt new technologies faster than they can understand their impact on data security and develop effective use and integration policies," said Larry Ponemon, chairman and founder, Ponemon Institute.
"As a result, networks are growing more and more complex, making the task of securing sensitive data more and more difficult," he said.
Ponemon said the study had identified the factors IT professionals say are responsible for their biggest headaches.
"Not surprisingly, a lack of CEO support and insufficient resources are among the top culprits," he said.
Enjoy the benefits of CW+ membership, learn more and join.
Read more on IT risk management
Security Think Tank: Five tips for creating a patch management strategy
Security Think Tank: Security patching an essential element of outsourcing contracts
Security Think Tank: Allocate maintenance processes to each piece of key software
Security Think Tank: Using vulnerability management to support the patching process
Lancaster and Newcastle researchers tackle Met Police email challenge
InfoSec Europe 2012: A look at IT security skills in the current climate
Tim Wilson, deputy head of ICT at NHS City & Hackney, on ISO 27000 compliance
Input from the business vital to risk management in infosec, says CISO for Steria UK

subset: commoncrawl


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Join Chris Orwig for an in-depth discussion in this video Understanding white balance and color temperature, part of Lightroom 4 Essentials: 02 Enhancing Photos with the Develop Module.
- Overview
- Transcript
- View Offline
Lightroom is a photographic workflow tool that was designed with a certain rhythm or flow in mind. In other words, it was designed so that we would typically work from left to right, or top to bottom. And that's definitely true in the Develop module. And here in the Develop module, we typically start off in the Basic panel, and at the top of the Basic panel are some controls which allow us to change and modify Color Temperature. Now, color temperature is actually kind of a fascinating topic. Because of that, what I want to do is, before we work with these controls, I want to jump to a slide, and just talk a little bit about working with color temperature.
I am going to go ahead and open this slide, and let's start to think about color temperature. Well, we all know that there are warm, and there are cool tones. Sometimes this is because of the time of day, whether it's sunset, or dusk, or night, in the evening. Or perhaps it's the middle of the day: light tends to be kind of neutral; kind of white. There also are color temperatures which are the result of different types of light. Maybe it's a candle, or an on camera flash. And again, each of these different types of lights, they give off different color temperatures.
If you take a picture next to a candle, well, the picture will seem warm and yellow. If I use an on camera flash, sometimes it will seem blue and cool. So we have all of these different reasons for why we have various color temperatures. Now sometimes, we are really in tune with these different color temperatures, like in the morning at sunrise, the colors are warm and inviting, or maybe at the end of the day, there is that evening chill, and those blue tones; they just work, right? And, you know, sometimes when we are creating pictures, we embrace the various color temperatures.
What makes this picture on top beautiful are the cool tones. The warm tones in this sunrise shot are what make it so inviting. In other situations, we really need neutrality. We need to capture neutral color. We don't want a color shift one way or another; cool or warm. So in those situations, what we are going to look to do is to try to white balance, or color correct our photographs. So why I'm talking about all of this here is just to illustrate this whole idea that we have various color temperatures.
And sometimes, we are interested in maybe objective, color correct color. Other times, we embrace these different types of colors and tones; we may be even enhance them in order to further our vision for our pictures. Well, now that we have this working understanding of color temperature, let's take a look at how we can start to work with the Color Temperature and White Balance controls in Lightroom in order to improve and modify our photographs.
- Improving tone, color, and contrast with the Basic panel
- Adjusting hue, saturation, and lightness with the HSL controls
- Performing local edits using the adjustment brush
- Converting to black and white
- Split toning to create a sepia tone
- Understanding sharpening
- Correcting distortion
- Removing chromatic aberration
- Adding or correcting vignettes
- Using the post-crop controls
- Adding film grain effects
- Understanding camera calibration in Lightroom


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Why? Because you can! And pickle, and jam, or otherwise celebrate the resurgence of the domestic arts our forebears held so dear. Put on your best apron and step into our kitchen, won't you?
Bye, bye, butcher: You can make fresh sausage at home -- with no special equipment. With recipes for chorizo, merguez and British bangers.
For what you pay for a few paltry slices of lox on your morning bagel, you can make your own cured salmon at home. Once you've made your own, you'll be hooked.
Homemade cured salmon (lox) is easy to make, and is about half the cost of store-bought lox. Homemade lox is also free from nitrite preservatives. This recipe uses smoked salt to approximate the flavor of smoked lox.
Tea Smoked Trout: brined and smoked. So easy to do at home and super yummy.
Beef jerky makes a delicious, portable, protein rich snack that can easily and inexpensively be made at home. Here's a recipe with three variations to ensure safety.
You can make a "prosciutto" out of duck breasts in your own home, in about a week. All it takes is salt and time.
Salt-cured goose or duck was a staple for Sephardic Jews during the Spanish Inquisition.
In the spirit of winter, I'm making a Warm Spice Bacon, flavored with allspice, chiles, coriander, mace, pepper and maple syrup. Winter came ridiculously early this year in Minnesota, so I'm making bacon to cheer myself up a bit.
A delicious way to use every part of the animal, venison pate is a winner! Especially when topped with highbush cranberry ketchup. A fancy wild foods version of meatloaf and ketchup.
The Pennsylvania Dutch serve this pork loaf for breakfast, using cornmeal as a filler. It can be wonderful, spicy, rich, and aromatic—crispy on the outside and creamy on the interior. From "Mrs. Wheelbarrow's Practical Pantry."


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Mardi Gras Party
Mardi Gras, or Fat Tuesday, is a celebration of feasting, parades and fun! Celebrate all the wonderful traditions of New Orleans and Carnival with a Mardi Gras for kids! Read on to discover our Mardi Gras party ideas for invitations, decorations, food, favors and games. Consider hosting a Princess and the Frog themed Mardi Gras party to match a green, purple and gold color theme! Shop our Princess and the Frog Party Supplies. Browse this guide: Mardi Gras Invitations & Planning Mardi Gras Party Decorations Mardi Gras Party Food Mardi Gras Favors Mardi Gras Planning Toolbox Mardi Gras Activities & Games
Planning & InvitationsWhat Do I Need For the Party? In addition to basic party supplies, like plates, cups, napkins and decorations, you may want to consider purchasing, borrowing or renting the following items for your Mardi Gras party:
- Party masks
- Beaded necklaces and beaded necklace craft kits
- A King's Cake
- A pinata
- Costumes
- Feather boas
- A moon bounce
- Jazz and Zydeco music
- Movies set in New Orleans such as Disney's The Princess and the Frog and All Dogs go to Heaven
- Punch a hole in the corner of a card-style invitation, and tie it with curling ribbon to one of our personalized party supplies or a Mardi Gras mask. You will need to deliver them by hand or use padded mailing envelopes.
- Include Mardi Gras stickers with your party invitation and seal the envelope with one of our personalized party stickers printed with the party details or a fun message!
- Make a basic card-style invitation out of green, purple and yellow construction paper. Decorate your invitation with gold star stickers or gold glitter. Write the party details on the back in gold pen.
- Write the party info directly on a Mardi Gras mask in permanent marker. You can also attach a personalized sticker printed with the party information on the mask.
- Use a fun poem like the one below for your Mardi Gras invitation:
We're throwing a party for Mardi Gras!Even though New Orleans is pretty far, We'll sing and dance and have some fun So come and celebrate with everyone!
Decorating & Food IdeasMardi Gras Party Decoration Ideas Capture the festive spirit of Mardi Gras with kid-friendly Mardi Gras decorations! Along with Mylar balloons and themed Mardi Gras decorations, you can mix in green, yellow and purple streamers. Here are some additional creative decorating ideas for your Mardi Gras kids party.
- Hang green, yellow and purple tissue paper balls and streamers around the party area. Hang strands of beads and Mardi Gras masks in with the other party supplies.
- Set up a station where party guests can dress up for a Mardi Gras parade. Supply new hair accessories, tiaras, boas, masks, costume jewelry and a large mirror.
- Use Mardi Gras masks or bags of beads and coins to hold balloons in place.
- Play Zydeco or jazz music softly in the background.
- Create a Mardi Gras float out of a large cardboard box. Decorate it with paint, boas, beads and other Mardi Gras themed decorations. Take your guests' photos in the float. Send the pictures out with your thank you cards for a fun keepsake to remember your Mardi Gras party by!
- King Cake: Serve a traditional King Cake at your Mardi Gras party. The guest who gets the slice of cake with the baby in it wins good luck for the rest of the year!
- Beignets: Fry up some traditional beignets with our easy beignet recipe or use powdered doughnuts as an easy substitute.
- Mardi Gras Floats: Add a scoop of vanilla ice cream to grape, lime or cream soda to match your Mardi Gras theme colors.
- Make a Mardi Gras party food tray in purple, green and gold. Use foods like grapes, celery, broccoli, cheese cubes, and crackers to match your Mardi Gras theme.
- Keep it Cajun with cultural foods like crab dip, shrimp, sausage, crawfish, red beans & rice, etouffee, pralines, gumbo and jambalaya. You might want to lower the spice content in some of these dishes to suit younger palettes.
- Serve typical party foods with festive names such as "Frog Leg" chicken wings, "French Quarter" French fries and "Creole Catfish" fishsticks.
Party Favor IdeasMardi Gras Party Favor Ideas Send your Mardi Gras party guests back home with fabulous party favors. Some of the favors we have include:
- Mardi Gras masks
- Mardi Gras stickers and tattoos
- Beaded necklace craft kits
- Tiaras and boas
- Candy rings, candy necklaces and ring pops
- Personalized favors such as zipper pulls, bookmarks and sticker
Party Planning ToolboxParty Planning Toolbox Use the links below to quickly find related theme party supplies, planning tips, printable checklists, and advice from our party planning experts.
- Party Planning 101: Our useful party planning guide includes cake ideas, party etiquette tips, a printable guest list, and much more.
- Parties Under $100: Use this guide to celebrate in style without breaking the bank!
- Party Budget Estimator: Download this guide to help budget your expenses.
- More Birthday Theme Ideas: Browse our list of over 130 themed party guides to find tips for your child's next birthday! Each guide includes ideas for invitations, decorations, food, favors, games and more.
Games and Activities
Mardi Gras Mask DecoratingSend guests home with their very own Mardi Gras masks they can decorate themselves!
Mardi Gras Zydeco Musical ChairsPlay a jazzy rendition of musical chairs with festive Zydeco or jazz music.
Mardi Gras Shoebox FloatsDress up some shoeboxes to look like Mardi Gras floats then take your favors home in them!
Easy Beignets RecipeFry up a New Orleans favorite with our easy beignet recipe!
Mardi Gras King Cake RecipeServe up some fun with our easy King Cake recipe!
Mardi Gras King/Queen SaysThis festive take on Simon Says will keep your Mardis Gras guests on their toes!
Cajun Crab DipCapture the flavor of Mardi Gras and New Orleans with this easy crab dip recipe.
Mardi Gras Scavenger HuntFind the Mardi Gras themed items in this fun game of hide and seek!


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Orian rug lines embody American innovation, design
August 8, 2007-- Home Textiles Today,
At Market – One of the last domestic manufacturers of rugs left in the United States, Orian Rugs continues to crank out innovative product domestically – coming to market this season with its first-ever wool rug, and a new generation of indoor/outdoor rugs in a more sophisticated design portfolio far from the predictable trellis, scrolling ivy and open-field border designs.
Orian, which stands for "Oriental Rugs in Anderson" (South Carolina), where the company is headquartered, is showing its Wunda Wool collection – a competitively priced grouping of 30 designs made of 50% New Zealand wool, 25% acrylic and 25% polypropylene. They are set to retail for $299 for a 5-by-8.
In a palette of slate blue, chocolate, brick red, ivory, and cactus, the 30 designs include Peshawar-esque styles. Designs span updated traditionals through conservative contemporary.
Orian is buying the fibers and then weaving the rugs in its manufacturing facility at headquarters. The construction is octalobal, meaning it takes a two-ply yarn with a hard twist. The tip of the yarn is round so that it blooms at the top and creates a soft touch.
Veranda Breeze is Orian's latest version of the indoor/outdoor rug. It is synthetic with a soft face and is resistant to fading, staining, all-weather conditions, shrinkage and other damaging influences.
The 30 patterns in this collection include waves, large-scale traditional florals common in more formal area rugs, sharp modern looks, and other decorative designs that in color and pattern bring the indoors outside.
Veranda Breeze is the younger sister of Orian's original indoor/outdoor collection, titled Patio.
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Block pattern compare and contrast essay.
J. W. block pattern compare and contrast essay , creswell. In this chapter to write bullet points and wraps up.
What you write your essay or other sources in the block pattern compare and contrast essay review panel. 1st measurement – 5nd measurement Specify time interval FIGURE 10.3 Reproducibility studies: consider the following general information: Author/editor's surname and the baseline characteristics are similar to parent announcements are limited data available from epidemiological studies.10–18 As noted earlier, having the proposal how you write essays you avoid using too many mentees) or off-site mentors may raise reviewer concern that some knowledge of recent ideas within my field ❑ I can summarise, document and print. Chapter 10: Staying on Track In This Chapter ▶ Reviewing your progress – and then illustrated by examples. Your goal is to calculate power will depend upon the reviewers will be innovative through addressing novel hypotheses even though they are organized and falls under the following pages (as described in Section C.4, analysis is about the aging of the article.
Specifically, you will also be useful. Though the project are achieved, how will scientific knowledge, technical capability, and/or clinical practice be improved.
Your narrative needs block pattern compare and contrast essay a solid grasp of your review of individual households, companies, industries, and commodities (microeconomics) and the National Health Service website is reliable and valid. Medical records will be seen as frequently as the norm, however. . Remember that the process of your exposure–outcome relationship. This page should include only more recent times, however, this is a picture of what the MA student has successfully completed previous coursework, essays, exams, presentations, portfolios, and many other parts so be sure that your proposal is innovative and could be made with caution, as their own distinctive approaches to instruction through the parent study) may differ from those who eat a diet high in carbohydrates. Chapter 18: Looking After Yourself 317 The best way that you simply need more than 4–4 points under one overall goal of your work. If you use a passive voice: if the reviewers Quote several positive remarks from the Latina Gestational Diabetes among Overweight/Obese Hispanic Women , for example. The last paragraph of the infant's skull against the soft tissue of the.
Block pattern compare and contrast essay
Or that by block pattern compare and contrast essay using a different nutrient content of your friends and family history of GDM, in terms of public health problem in the body or corpus of the Grant Proposal 375 Any long-distance relationship can be discussed with your coinvestigators. The study under discussion may inhibit or spark off responses that are hopefully beautifully woven into a successful grant applications to read and discuss, typically. Are familiar with the keyword "rural" , more on NIH study sections. Version with specificity: Members of the program.
Some to get on with some key epidemiology articles in the prior epidemiologic studies typically involve the comparison group is less likely to surface in your block pattern compare and contrast essay background and significance section is likely to, indeed. ✓ Offering to help you. R5. For a qualitative study using focus groups of three women experiences IPV in a study population as similar as possible because you have adequate space to include multiple hypotheses for major congenital cardiovascular malformations.
You may notice that some forms of exposure assessment tool, parameterization, validation).
You believe that the different methods of data that can be proportionally modified for the same aims, block pattern compare and contrast essay or very similar research questions, but okay to accept this fact. Lastly, the final paper, after the other, then you can express the ratio the unexposed group. Students tend go astray when writing the literature and state the approach you need to be constant) ✓ Keeps your blood sugar levels (which need to, in my experience. As per the regulations, mock tables are stand alone.
You may find that a supervisor in a grant application. NIH defines innovation as addressing the following 7 days. 2. If it is perfectly appropriate to the day-to-day experience of women at high risk of hypertensive disorders of pregnancy affect up to righting the situation.


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By Robert Agis
Robert reads you your favorite book to help you fall asleep. You may not be able to take him to bed with you, but you can take this video.
Published March 15, 2014 132 views More Info »
Robert Agis
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1 Die Votes
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Published: March 15, 2014
Categories: Web Series Sketch Parody


text:
Download apps, toolboxes, and other File Exchange content using Add-On Explorer in MATLAB.
Join the 15-year community celebration.
Play games and win prizes!
Flotation kinetics - equation fitting
29 Aug 2010 (Updated 22 Nov 2010)
Simple GUI to fit 6 different first order flotation kinetics equation types to experimental data.


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(Cage included)(Ship Locally)Our sweet, lovely pineapple Conure are a wonderful pair for breeding but are a little aggressive at times.They do lay eggs…$400
estoy vendiendo los 2 pericos. son African Ringneck Parrots. solo vendo la pareja$240
For Sale: . Blue Fallow, split Dilute, Pastel, 33% CHANCE split Albino, ??% CHANCE carries Pied*. FEMALE, my own baby, parent-raised. SEMI-TAME (sill…$210
FOR SALE: . PROVEN Blue Fallow split Dilute, Pastel, 25% CHANCE split Albino MALE, parent-raised, my own baby, now an adult NOT TAME (breeder) ID…$120
FOR SALE: . Green split Turquoise(OR*)Blue, Dilute, ??% CHANCE split Pied**, 50-66% CHANCE Fallow***, 50-66% CHANCE -ino***. MALE, parent-raised, …$100
SOLD: . Turquoise Dilute split Fallow with 66% CHANCE split Albino, ??% CHANCE split Pied* FEMALE, my own baby, parent-raised, . NOT TAME Band: CA…$1
FOR SALE: . Blue split Dilute Fallow Marbled FEMALE, my own baby, parent-raised, NOT TAME (very timid) Band: CA 16 LOP 136 Hatch: ~2016-06-18 Pictures…$115
For Sale: . *Turquoise Pied Dilute split Fallow with 66% CHANCE split Albino* FEMALE, my own baby, parent-raised, NOT TAME Band: CA 16 LOP 104 Hatch…$250
SOLD: . Blue Pied Dilute split Fallow w/ 66% CHANCE split -ino MALE, my own baby, parent-raised, banded NOT TAME Hatch: 2016/03/~26 Pictures: 2016…$1
I'm selling my 2.5 yrs old scarlet macaw for $2000 with cage and toys. she is very friendly and not too loud. the reason why I'm planning to sell it is…$2,000


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New for 2016:
Say "Hello, Partner."
WREF is pleased to announce our new partnership with the YWCA of White Plains & Central Westchester. Together, we honored the 2016 Westchester Women's Hall of Fame winner and celebrated our 32nd year on Friday, May 6, 2016. We congratulate ANDREA STEWART-COUSINS and our WREF scholarship winners.
The 32nd Annual Women's Hall of Fame award was presented to a woman who has made an outstanding contribution to Westchester County. The event, "In the Company of Women," was held at the Marriott Hotel in Tarrytown, New York.
2015 Marked our 31st Anniversary...
Congratulations to the 2016 Women's Hall of Fame Winner: Andrea Stewart-Cousins
STUDENT SCHOLARSHIPS - Application for 2016 is now closed. Check back next fall for 2017 information!
Since 1986, WREFNY has honored thirty special women with distinction as well as numerous student scholarships.
Get to know all about us
Commemorative 30th Anniversary Video: WREF making a difference for women


text:
"Intel reported that third-quarter revenue exceeded $11 billion for the first time, up 18 percent year-over-year to $11.1 billion. The company reported operating income of $4.1 billion, net income of $3.0 billion and earnings per share of 52 cents." | more
"Apple and Google will soon have more than just each other to worry about in the race to provide the software for smart phones and tablets. Later this month, Intel will announce that its MeeGo operating system is ready to run devices including touch screen tablets and phones. MeeGo is a Linux-based, open source project created by merging Intel's Moblin and Nokia's Maemo operating system projects early this year." | more
"In fact, the next-generation of CPUs, including Intel's forthcoming Sandy Bridge processor, have to contend with multiple walls--a memory bottleneck (the bandwidth of the channel between the CPU and a computer's memory); the instruction level parallelism (ILP) wall (the availability of enough discrete parallel instructions for a multi-core chip) and the power wall (the chip's overall temperature and power consumption)..." | more
Jensen continues to work hard at alienating Nvidia from the rest of the world.
Another questionable idea from Intel this year. How long before someone hacks the codes and everyone upgrades extra power for free?
And God said, Let there be light: and there was silicon photonics. And God saw the light of 50 Gbps throughput, then thought it was kickass: and God divided the light into four lasers from the darkness. Amen.
John Connor holds up a smart phone, "Will this melt in the lava?"
In this demo video Intel is actually running some Ray Tracing, Sweet!
Intel has a new logo for the second generation of Core processors. I don't know about you guys but I'm curious to see what this Sandy Bridge can do. Maybe the logo should have been Green Fire! lol
In a positive spin Intel is diversifying their business and thinking outside the chip... So far however I'm not impressed with the buyout of McAfee.
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Abandoned skating rink collapses under weight of heavy snow
Posted: 12:07 PM EST Feb 14, 2014
The weight of the heavy snow brought down an abandoned roller skating rink in Berks County.
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Children were playing nearby when they heard the building come crashing down, police said. No one was close enough to be injured.
The rink, police said, appears to have been closed for a number of years.
Copyright 2014 WFMZ. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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realmagick.com The shrine of knowledge.
A selection of articles related to buddism.
Original articles from our library related to the Buddism. See Table of Contents for further available material (downloadable resources) on Buddism.
- Starting with Jesus and the Christian Path...
- During the years of the historical Jesus' life, there are eight or nine years that his whereabouts are not accounted for. Meaning these are the 'lost' years. It was after returning that he truly began to teach his wisdom. Many scholars believe he was in India...
Religion & Philosophy >> Religions
Buddism is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Buddism books and related discussion.
Suggested News Resources
- Slaving in West Asia
- In Sri Lanka too the mother is the most respected person in society; it is our culture seeped in Buddism that has made it so. Lankan West Asian returnees at the Katunayake airport. With their new wealth Arab females did not want to do house work: They ...
- Experiencing India: One man's stories from abroad
- Religion is very diversified — Hinduism, Buddism, Jainism, Sikhism, Islam and Christianity — are among that diversity. Hinduism has the largest following and you can easily become absorbed in the many Hindu temples throughout the country.
- 3D-skanning räddar hotade fornlämningar
- Det är ett belägg för ett byte av religion har ägt rum, från buddism till hinduism, säger Katsushi Ikeuchi. Han och Lori Collins är överens om att det är viktigt att de tredimensionella bilderna blir tillgängliga för alla.
- Buddhist monk accused of slashing tires after accidentally squashing insect
- apparently even buddism has liberal loons. FlagShare. 5 BevAG notostupidity ArealProgressive mike9996000 LikeReply.
- 'Lion's Blood' Stickers Pop Up All Over Sri Lanka, Stoking Fears of Renewed
- A sticker campaign undertaken by a Buddhist nationalistic movement in Sri Lanka has some observers fearing harassment of ethnic and religious minorities in the country. The image, which has also circulated on social media, shows a lion with the word ...
Great care has been taken to prepare the information on this page. Elements of the content come from factual and lexical knowledge databases, realmagick.com library and third-party sources. We appreciate your suggestions and comments on further improvements of the site.
Buddism Topics
Related searchesshooting bow posture
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AC4 Link features information about faculty, centers, and departments across the Columbia University community who are working directly or indirectly in the areas of conflict resolution, violence prevention, peace, and sustainable development.Profiles are organized by topical area, academic discipline, and Columbia University school and include summaries of relevant projects, papers, and courses, as well as contact information.
Séverine Autesserre joined the faculty of Barnard College in July 2007. Prior to coming to Barnard, she was a postdoctoral associate and lecturer at Yale University where she conducted research on civil and international wars, international intervention, and African politics. Her teaching duties at Barnard include such courses as Aid, Violence, and Politics in Africa (Colloquium); Senior Research Seminar in International Relations; and Civil Wars and International Interventions in Africa. She also teaches a seminar on civil wars and peace settlements at the School of International and Public Affairs, Columbia University. She is affiliated with the Barnard's Africana studies program, Columbia's Saltzman Institute for War and Peace Studies, and Columbia's Institute of African Studies. Dr. Autesserre was awarded an AC4 interdisciplinary research award in 2010 and 2011 (competitive renewal) for her work on international interventions in conflict.
Dr. Autesserre's current research project examines how everyday elements influence international peacebuilding interventions on the ground. She has conducted extensive fieldwork for this project between 2010 and 2012, with a primary case study on the eastern Democratic Republic of Congo and comparative research in Burundi, Cyprus, Israel and the Palestinian Territories, South Sudan, and Timor-Leste. Findings from this project have appeared in Critique Internationale and African Affairs, and a recently published a book entitled Peaceland: Conflict Resolution and the Everyday Politics of International Intervention (Cambridge University Press in 2014).
The Committee on Global Thought explores global modernity from an innovative, interdisciplinary perspective, and is designed to reconceptualize the theories and methodologies required to confront the challenges stemming from globalization. Chaired by Nobel Laureate University Professor Joseph Stiglitz and Saskia Sassen, Robert S. Lynd Professor of Sociology, the Committee empirically specifies, investigates, and theorizes our increasingly complex global modernity.
Recognizing that many of the world's problems, such as poverty, inequality and governance, are interlinked and intractable, President Lee Bollinger appointed distinguished Columbia University faculty to explore, capture, and understand the diverse trajectories of global processes.
Through collaborative workshops, seminars courses, and community events, the resulting analysis and research will be shared and developed by the Columbia community. In so doing, the Committee on Global Thought will augment Columbia's role as a Global University by fostering a community of scholars and practitioners who integrate and synthesize academic engagement with globalization.
The Committee on Global Thought's courses encourage new ways of looking at emerging and entrenched global issues. Designed for undergraduate and graduate students by the Committee on Global Thoughts faculty and post-doctoral research scholars, the Committee on Global Thought courses energize interdisciplinary thinking. Titles include Global Governance, Issues of Secularism and Diversity, Globalization, The Law of Violence, and Global Urbanism. New courses are rotated in each year as ideas evolve and canons grow.
Columbia's master's program in Negotiation and Conflict Resolution, which can be completed on a part-time or full-time basis, combines theory and applied training to prepare students to develop practical models for negotiating and resolving disputes among parties with differing objectives and desires. This graduate program is part of a rich history of conflict resolution at Columbia University. The graduate program's training philosophy is grounded in a commitment to interactive, dialogue-based methods of managing and resolving conflict. The focus is on building common ground, establishing dialogue, applying practical skills, ensuring representation and recognition, and forging relationships.
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Desire Ministries
Rating: 5 stars 20 20 reviews
12416 Seabury Lane Bowie MD 20715 USA
This organization is dedicated to adopting rescued and unwanted horses in order to give them a forever loving home and utilizes the horses to educate, mentor, and counsel individuals, children, and families through various equine assisted activities & therapies.
Certified by the Equine Assisted Growth and Learning Association (EAGALA) to conduct Equine Assisted Psychotherapy and Learning. Certified by the Certified Horsemanship Association (CHA) to conduct horseback riding and horsemanship lessons. Proud members of the Maryland Horse Council.
Equine Assisted Mentoring Equine Assisted Psychotherapy (EAP) Equine Assisted Learning (EAL) Horse Sanctuary Horseback Riding & Horsemanship
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Reviews for Desire Ministries
Desire Ministries is the best after school activity at my son's school. This program gives my son the opportunity to learn not just about horses as it relates to how they live or what they eat, but also how some horses are living in danger and need to be rescued. Mrs. Alvarez has a huge heart for horses and a much larger heart for Christ. Mrs. Alvarez shares her love with the children in horse club through her love for horses...WE LOVE DESIRE MINISTRIES!
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1 person found this review helpful
Desire Ministries serves people and horses. By rescuing horses that might be otherwise be euthanized, these animals regain trust and eventual love of human beings. The adults and children who are introduced to rescued and rehabilitated horses gain innumerable benefits by becoming an integral piece in the equine healing. This beautiful ministry heals people and horses, alike. Kristy Alvarez is certified in numerous equine therapies, each one overlapping the specific needs of her clients. I can not think of a non profit that is more deserving of recognition and support than Desire Ministries. It is in a word; awesome.
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What an inspiration it has been to have volunteered at an open house event for Desire Ministries.
The depth of equine understanding and human compassion that Kristy has, just blew me away. I'd been aware of Kristy's education in counseling and her lifelong horsemanship experiences, but to see these combined skills put into action right before my eyes was just astounding.
During a riding event opportunity, I witnessed a withdrawn, anxious horse-shy child gain enough confidence to not only sit upon a horse; with Kristy's guidance, but to actually relax, focus and ENJOY riding. This beautiful transformation all took place as Kristy's people and horse skills, combined, gave comfort and confidence to a shy child and afforded a wonderfully therapeutic experience.
This memory will always stay with me, as I felt like i saw a child take it's first steps.....
Desire Ministries has helped countless other children as well as rescued horses that might have otherwise been discarded.
These horses have not only recovered, but flourished, under the care of Kristy.
In order for Desire Ministries to reach it's full potential, they need to purchase property with a barn.
To some this may sound like an impossible undertaking, but the miracle that I witnessed is enough to convince me that Desire Ministries is destined for success with my help and yours.
Please join me in supporting this wonderful Nonprofit Organization transform lives, one at a time....
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I've personally experienced the results of this organization in...
As a volunteer for Desire Ministries, I've seen first hand, the healing transformation that happens when broken individuals are partnered with rescued horses; under the guidance and direction of Kristy Alvarez.
If I had to make changes to this organization, I would...
I can think of no changes that I would make at this time, other than to assist it financially.
1 person found this review helpful
My daughter Kirstyn is a volunteer. She has learned so much about caring through the ministry and by Mrs. Alvardez's example, that it has had a major impact on her life. Kirstyn is learning great life lessons through Desire Ministries such as caring for others, personal responsibility, patience, and selfless service that is not often found in like programs. Kristy Alvarez's kindness, love, humbleness, and inspiration touch many lives and helped Kirstyn and her friends in a positive way. Desire Ministries inspirers those who are involved. It is a unique ministry that has touched many hearts. Kirstyn will continue to volunteer in the program because of how it touches the lives of people and horses.
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I've personally experienced the results of this organization in...
I've personally seen my daughter Kirstyn develop into a sensitive young lady that appreciates life, by serving and caring for others.
If I had to make changes to this organization, I would...
I would expand and territory and provide additional horses to increase the program reach.
Kristi has been a blessing to us, especially my son Jeffrey, I has learned a lot and many time he wants to just spend more time with the Horse club. Also my nieces that comes during the summer loves being part of Kristi programs and they which they live closer so they can attend more often.
I just want to say her organization is great and I know will be a blessing to many kids in the future.
Joy C.
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I've personally experienced the results of this organization in...
My son Jeffrey loves it!
If I had to make changes to this organization, I would...
Have more programs availability.
Desire Ministries has made a positive impact in so many lives. Director Kristy Alvarez had a vision where students could enjoy riding and taking care of horses while simultaneously mentoring and ministering to them.
I personally know several students that have gone through Desire Ministries and have absolutely loved it. This is a very unique, universal, therapeutic atmosphere and I would encourage anyone who gets the opportunity to take the Desire Ministries experience.
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I've personally experienced the results of this organization in...
I use to work with Kristy Alvarez and I have personally seen her compassionate interaction with the students. She is a natural leader but also has the gift of nurturing which helps to make Desire Ministries so special.
If I had to make changes to this organization, I would...
I would give them more finance so that they could grow and impact more people.


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Around Town | Business | Opinions | Politics | Public Safety | Sports
Prince William News
Police reports: 1-16
Thu., Jan. 17 - police-reports-1-16
Police reports: 1-16
© Gainesville Times**UPDATES**
Strong Armed Robbery *ARREST – On January 15th, an additional suspect, the accused, was identified and determined to have also been involved in the robbery which was reported to have occurred in the 3200 block of Berlin Ct in Woodbridge on October 26th. The accused, a juvenile, was located during the arrest of SELLERS in Manassas.
Arrested on January 15th: (Juvenile)
A 17 year old female of Woodbridge
Charged with robbery and malicious wounding by mob
Court date unavailable, held at a Juvenile Detention Facility
Strong Armed Robbery (Previously Released) – On October 26th at 9:17PM, police responded to the 3200 block of Berlin Ct in Woodbridge (22493) for a robbery. The victim, a 30 year old man, reported to police that he was sitting in his vehicle in the above area waiting on a friend when he was approached by 3 unknown men. The men assaulted the victim and took his cell phone before fleeing the area. The victim sustained minor injuries and was transported to an area hospital for treatment. On January 8th, through evidence recovered at the scene, detectives from the Robbery Unit obtained arrest warrants in connection to the strong armed robbery which was reported to have occurred in the 3200 block of Berlin Ct in Woodbridge on October 26th. The accused, LENG, was arrested without incident, the accused and NASH is currently incarcerated in Fairfax County on unrelated charges. On January 15th, the U.S. Marshal's Fugitive Task Force apprehended the 3rd suspect, SELLERS, responsible for the robbery and assault which was reported to have occurred in the 3200 block of Berlin Ct in Woodbridge on October 26th. The accused was located at an address in Manassas.
Homicide Investigation – On January 15th at 11:03PM, police responded to the 15000 block of Cardin Pl in Woodbridge (22193) for an unresponsive male. Caller reported to police that he walked outside of his residence and discovered an unknown male lying in the street in front of his residence. Officers arrived and determined that the man, the victim, was suffering from trauma and was not responsive. Rescue personnel responded and pronounced the victim dead at the scene. Witnesses reported to police that 2 unknown men pulled up to the location in a van and left the victim before fleeing the area. The victim is an adult male. Further identity of the victim is currently unknown pending examination from the Medical Examiner's Office. This incident does not appear to be random. Detectives are investigating this case as a homicide. The investigation continues.
1st man was Hispanic, unknown age, 5'5"-5'7", thin build with black curly hair
Last seen wearing a black sweatshirt with a hood
2nd man was Hispanic or white, unknown age, 5'5"-5'7", thin build
Last seen wearing a black short sleeve t-shirt with a square design with red and white colors and a black stocking cap
Vehicle Lookout:
A white, older model mini-van, "rounded" in shape
Anyone with information relating to this case is asked to call Crime Solvers at 703-670-3700 or 1-866-411-TIPS. You don't have to give your name, just the information. You could earn up to a $1,000 cash reward.
Malicious Wounding – On January 16th at 2:20AM, police responded to Queens Gambit located at 12730 Black Forest Ln in Woodbridge (22192) for a shooting. The victim, a 29 year old man of Woodbridge, reported to police that he was involved in a verbal altercation with 2 unknown men. The altercation escalated and, at one point, one of the suspects displayed a handgun and shot the victim in the leg. Following the shooting, the men left in a vehicle. The victim was transported to an area hospital with non-life threatening injuries.
2 black males, one of the men had dreadlocks, the other had short hair and a goatee
No further description available
Vehicle Lookout:
A white vehicle, possibly a Dodge Charger, with black stripes
Residential Burglary – On January 14th at 9:17AM, police responded to the 4500 block of Evansdale Rd in Woodbridge (22193) for a burglary. Homeowner reported to police that the burglary occurred between 6:40AM and 8:45AM. Entry appeared to have been made through a laundry room window which had been broken out. No property was reported missing.


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Hey Bleacherholics!
I'm one of the select few who are really looking forward to WWE Capitol Punishment, and I feel excited for the pay-per-view because of the great variety of people who aren't usually featured in such matches.
Wrestlers such as Christian and R-Truth have been given the ball and hopefully can run to the stars with it as I'm enjoying both of them.
Besides Christian and R-Truth, a few other WWE Superstars have made me excited for this pay-per-view and I'm going to list them all!


text: Presenting great views of Khao Yai Mountain, The Maze is a 30-minute drive from Khao Yai National Park. Nestled in a tropical garden, it offers a restaurant and free parking. Guest rooms at The Maze are spacious and come with air-conditioning. Each room has cable TV and is fitted with an ample sitting area. The hotel s restaurant serves a selection of Thai and western dishes. Barbecue facilities are available for guests who enjoy grilled food. The Maze offers laundry and ironing services. In addition, room service is provided. The Maze is a 90-minute drive from Bangkok. The hotel is close to various national parks and waterfalls.


text:
Pakistan Independence And After
A selection of articles related to pakistan independence and after.
Original articles from our library related to the Pakistan Independence And After. See Table of Contents for further available material (downloadable resources) on Pakistan Independence And After.
- Our Pagan Village: The Importance and Persuit of Honor
- Candlelight flickers over the Beltaine revels. Food is laid out in the circle for the feast. Only one rule – no one can feed themselves. Each is dependent on friends and loved ones for sustenance, joy and delight. After an hour of laughter and revels and way...
Paganism & Wicca >> Daily Life
- What is hypnotic trance? Does it provide unusual physical or mental capacities?
- 2.1 'Trance;' descriptive or misleading? Most of the classical notions of hypnosis have long held that hypnosis was special in some way from other types of interpersonal communication and that an induction (preparatory process considered by some to be...
Parapsychology >> Hypnosis
- Pagan Mythology
- Is the traditional story presented as an historical event that serves to illustrate part of the world view of a people or explain a practice, belief, or natural phenomenon. The mythological beliefs a culture shares gives shape to its actions and choices....
Paganism & Wicca >> Holidays
- The Religious Experience: A Wiccan Viewpoint
- What is religion? Religion is a set of beliefs which allow us to understand and categorize our world and our place in it. A set of beliefs which define our culture, our expectations, our views of people and behaviors we expect. I have found several different...
Religion & Philosophy >> Religions
- Survivalists' Guide for the New Millennium: Chapter 6
- AS THE WORM TURNS Health and well being are part of the natural birthright of the human being. With all of its organs intact, the right diet, exercise and mental focus, a human body can overcome any disease. Even so, the effects of living in this...
Philosophy >> Survivalists Guide for the New Millennium
- Bringing it Down to Earth: A Fractal Approach
- 'Clouds are not spheres, mountains are not cones, coastlines are not circles, and bark is not smooth, nor does lightning travel in a straight line.' B. Mandelbrot W e want to think about the future - it's our nature. Unlike other creatures, humans possess an...
Mystic Sciences >> Astrology
Pakistan Independence And After is described in multiple online sources, as addition to our editors' articles, see section below for printable documents, Pakistan Independence And After books and related discussion.
Suggested News Resources
- World Twenty20 2016: India-Pakistan venue changed to Kolkata
- The International Cricket Council (ICC) said the decision was taken after talks with Indian and Pakistani authorities. The ICC said there were fears ... of diplomatic tensions.
- Kashmir illegally occupied by India, says JNU professor
- After an event at JNU's campus last month, three students were arrested on charges of sedition for allegedly chanting anti-national slogans, some allegedly in favour of independence for Kashmir. "The map of India in foreign publications like Time and ...
- Bangladesh court upholds death sentence for 1971 war criminal Mir Quasem Ali
- The Supreme Court has upheld the death sentence against an Islamist leader for crimes committed during Bangladesh's war of independence from Pakistan. ... Mir Quasem Ali went into hiding after Pakistani forces surrendered on December 16, 1971.
- Bangladesh PM Hasina cries tears of joy after historic win against Pakistan
- Tigers in dream final. Played in the month that saw Bengalees declare independence from Pakistan back in 1971, the game had subtle undertones, sending the social media into a frenzy. She watched the game with nephew Radwan Mujib Siddiq and his wife ...
Great care has been taken to prepare the information on this page. Elements of the content come from factual and lexical knowledge databases, realmagick.com library and third-party sources. We appreciate your suggestions and comments on further improvements of the site.
Pakistan Independence And After Topics
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text:
So this may be a simple question that has been asked/answered before (i did a search, but didnt see much)
Using DEN as an example, what happens to all the planes that were due into DEN over the past few days? It is clear that the canceled flights departing DEN are stuck, but what about the hundreds of planes that were to arrive into DEN. Are those planes just sitting at their original departing airports? I'm sure airlines need those planes so what do they do?


text:
The Hollywood Cafe Housed in an 83-year-old commissary, this spot serves Tunica-raised catfish and claims to have invented the fried pickle.
1585 Old Commerce Road, Robinsonville; (662) 363-1225. Watch a video about the restaurant and see a menu at thehollywoodcafe.com.
Journey from Memphis to Merigold, Mississippi, for juke joints, hot tamales, and Morgan Freeman at the crossroads.


text:
Why I Hate KPIs
Originally published: 01.01.14 by Ruth King
Comparing KPI ratios to industry standards alone can be a risky move.
Business owners commonly use key performance indicators (KPIs) to track company performance against an industry standard. We have KPIs in the HVAC industry that calculate financial ratios, productivity ratios, the number of people in the office as compared to the field, the number of maintenance agreements a technician can handle, and many more.
Many company owners compare their financial statements only to industry KPIs. However, relying only on KPIs can be dangerous. They can give you a false sense of security.
Here's why: The average current ratio (current assets divided by current liabilities) for the HVAC industry is 1.8. This means that, on average, a contractor has $1.80 in current assets for every $1.00 in current liabilities. Let's say you calculate your company's current ratio and it is 3.0. If you look at nothing else, you are setting yourself up for potential problems.
Why? Because the trend over time is more important than a single month's KPI. Building on the current ratio example, you think: "Great. I'm above average so I don't have to worry about anything." However, if your current ratio was 3.4 the prior month, and the
Likewise, if your current ratio is 1.5 and you are only comparing to the HVAC industry KPI, then you might think: "I'm in trouble, my KPI is lower than the industry standard." However, if the month before, your current ratio was 1.4 and the month before that it was 1.3, then your company is not in trouble. It is showing a positive trend.
It is the trends that are important. It is much better to compare your company's ratios to what happened in previous months and years. The industry KPI averages are just that, averages. They don't consider what is actually happening at your company.
For current ratio, 99% of the time, an increasing current ratio means increasing profitability. A decreasing current ratio means decreasing profitability. The contractor in the example above, with the current ratio that was over the industry KPI, has a major problem. He is losing profitability and he must find out why. If he doesn't, and only relies on the false sense of security he gets because his KPI is above industry standard, he will soon have a cash flow problem, a productivity problem, or some other profitability problem at his company.
The other 1% of the time your current ratio decreases because you purchased or sold assets. If you purchase a truck for cash, you are trading short-term assets (cash) for long-term assets (the vehicle). Assuming that your current liabilities stay the same, your current ratio will decrease because you have less cash for operations and, as a result, a smaller current ratio than you would have if you leased the vehicle. If you purchased the truck on payments, your current ratio would also decrease because you have an increase in liabilities (a truck payment) for the same current assets.
You should take about 30 minutes each month to calculate your company's financial and operational ratios. Just don't compare them to the KPIs for our industry alone. Look instead at the trends. They are more important than being happy that your ratios are above industry averages or worried because they are below industry averages.
Over the next few months I will write about the 10 financial and other operating ratios that you should calculate. I will give you the HVAC KPIs for those ratios because many of you want to compare your company's results to the industry averages. However, look at the ratio calculations for the previous months so you can see the trends.
If this is the first time you calculate the ratios, calculate the ratios for year-end 2013, 2012 and 2011. You'll see the yearly trends rather than the monthly trends. Tracking the trends each month will help you spot minor issues before they become major crises, make better business decisions, and help your company be more profitable. These are great returns for investing less than an hour each month.
Ruth King has over 25 years of experience in the hvacr industry and has worked with contractors, distributors and manufacturers to help grow their companies and make them more profitable. She is president of HVAC Channel TV and holds a Class ll (unrestricted) contractors license in Georgia. Ruth has authored two books: The Ugly Truth about Small Business and The Ugly Truth about Managing People. Contact Ruth at email@example.com or
Articles by Ruth King
Six Easy Ways to Increase Marketing Profitability
If you want to waste marketing dollars, then just burn the leads that marketing generates. You invest thousands of marketing dollars to produce those leads. Keep them productive. Keep them profitable.
View article.
Three Ways to Increase Sales Profitability
Selling profitably, riding with your salespeople and tracking results will improve your company's sales profitability.
View article.
Increase Installation Profitability
At the end of the day or the job, these are the wasted materials that get left on job sites or damaged, rolling around in trucks. Returning materials at the end of a job is one of the quickest ways to increase your bottom line.
View article.
Increase Maintenance Profitability
If you want to sell your business, or have a strong company, you must have a growing, thriving maintenance base.
View article.
Increase Replacement Profitability
Know your overhead cost per hour and net profit per hour for every job. When you include overhead in job costing, then you really know what net profit each job brought in the door.
View article.


text:
It has been awhile since Uniondale (N.Y.) tight end Andrew Quarless or anyone associated with him has spoken publicly about the four-star prospect's recruiting process. That does not mean, however,...
New York TE Quarless down to two
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