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Andrena Davis (Chelle) has a background in Early Childhood Education and holds a Montessori diploma from the Center for Guided Montessori Studies. She has over 16 years of experience working with two-six year olds. She has also served six years in the Oklahoma and Louisiana National Guard. Chelle and her family moved here from Oklahoma. She is the mother of two children. She enjoys sports, music, hiking and photography.
Sandra Navarrete obtained her BA degree in Spanish Language, Hispanic Literature and Culture from SUNY (State University of New York) College at Old Westbury. Sandra has always looked forward to working with children on immersive language instruction. One of her memorable teaching experiences involved a trip to her native country of El Salvador, where she volunteered her time as a substitute English teacher at an elementary/middle school. Prior to teaching at The Renaissance School, Sandra was a Spanish teacher for a non-profit and she is excited to have joined the Renaissance School team in November 2015.
Adriana Zavala has been working at TRIS since 2013. She migrated from Michoacán, Mexico to the United States at a very young age with both her parents. She came to TRIS with a background in Child Development. She has been working with children since 2010. She is a proud mom of two children. She loves to bake and learn about photography, and she enjoys working with younger kids and admires their innocence and fun personalities.
Pricilla Medina was born and raised in the Bay Area. Her family is from Mexico. Pricilla has a background in Child Development as well as training from The Montessori Teacher Education Center San Francisco Bay Area (AMS). She is the Spanish assistant at the primary level at TRIS who enjoys the Montessori philosophy. She has been a part of the TRIS community since winter of 2015.
Callie Harvey joined the TRIS community in 2012, shortly after she and her family moved to the Bay Area from Canada. She attended a Montessori primary program as a child and is at home with both the materials and the approach. She has lived in France as a Vivre Sans Frontières exchange student who obtained the baccalauréat diploma in French literature and as a college student who studied at the Sorbonne University. She holds a Bachelor of Arts in French from Bryn Mawr College in Pennsylvania and a Master of Arts in Linguistics from Leiden University in the Netherlands. Her AMI Primary certificate is from the Montessori Teacher Training Center of Northern California. In addition to French, she understands Spanish, some Dutch, and some Russian. One of Callie's favorite aspects of working at TRIS is collaborating with the wonderful families and the inspiring faculty. Teaching French pastry camp over the summer is a definite perk, too!
Boa Xiong is an AMI Montessori guide from Detroit, Michigan. She completed her Primary training at the Montessori Institute of San Diego. She holds a B.A.A. in Fashion Design and Merchandising from Central Michigan University as well as, a Masters of Education in Montessori education from Loyola Maryland University. Boa worked as an assistant designer in New York City and an English teacher in Thailand before joining TRIS in 2016. In her free time, she loves to read, sew, and occasionally snowboard after a good snowstorm. Food is also a great love! Please feel free to send her any great recipes you have.
Marie Mosimann is originally from Paris, France. She came to the Bay Area 10 years ago, starting her career as an event planner after obtaining a French four-year degree in Marketing and Communications. Prior to joining TRiS, she has been teaching French for two years, working with elementary age students in an immersion after-school center. She started at TRIS in 2015 at the Elementary level. She is now the French Assistant in P2. In her free time, she likes to go camping in the wilderness and discover new places, both in the US and abroad.
Sara Sangco was born and raised in the Philippines, and traveled often growing up. She completed her Bachelor of Arts degree from the Ateneo de Manila University, majoring in English Literature and Communications. She also holds two Minors in Philosophy and Creative Writing, and worked as a freelance writer and Elementary English teacher before moving to San Diego in 2005 to pursue her AMI Primary training. She was drawn to the method because of her experience in a Montessori High School, and fell in love with TRIS during her visit in 2006. She has worked here ever since. In 2008, she completed her M.Ed in Montessori Education from the Loyola University in Maryland. Since then, she and her husband have welcomed three children, all of whom attend TRIS. In her spare time, Sara enjoys cooking, sneaking vegetables into her children's food, reading, travelling, and swimming.
Paula Ruiz was born in Colombia. She has a Bachelor of Science degree in Bacteriology and Clinical Laboratory from Colegio Mayor de Antioquia, and a Masters degree in Occupational Health from Universidad CES. She came to the United States in 2007, and was drawn to The Renaissance International School's trilingual immersion program. She started teaching in 2008, incorporating her background in the Sciences with her work in the classroom. In 2012, she pursued her Montessori certification. Paula likes to read, knit, and travel in her spare time.
Maritza Hurtado was born in Oakland, California. In 2006, she went to Mexico and El Salvador to work with underprivileged children. This spurred her interest in education, and she went on to pursue her Early Childhood Education units from the Montessori Teacher Education Center, San Francisco Bay Area. She is also working towards her Bachelor of Science degree in Sociology. She came to TRIS in 2014, and currently works as a Spanish-speaking assistant. In her spare time, Maritza enjoys reading, photography, and music.
Nora Jimenez has a B. A in Spanish Language from the Universidad de Guadalajara, Mexico. She was in charge of the reading program in a K-12 private school in Mexico. Nora worked as a Spanish instructor at a private school in San Leandro before joining the TRS team in 2008. She took a Classroom Leadership course at The Montessori Foundation and a Early Childhood Assistant Teacher Course at Montessori Teacher Education Center of San Leandro in 2009. She started the primary Montessori training 2015-2017 at the Montessori Northwest School in San Francisco. She enjoys spending time with her two daughters.
Danielle Kravis is an English Guide in Primary IV. She joined the TRS Community in November 2016. Danielle was born in New York and moved to the west coast in 2016. She graduated from Hofstra University with a BA in Early Childhood Education and French. She attended the Montessori Institute of San Diego's AMI Primary Training. In her free time, Danielle enjoys practicing yoga, reading, travelling, and exploring the outdoors.
Jessica Araiza is a native of Oakland. She is of Mexican descent and speaks Spanish at the native level. She is currently pursuing a bachelor's in Psychology at the California State University—East Bay. She has been working with children for most of her adult life and currently offers support at the primary level. Jessica has a particular interest in theories of psychology within Montessori education and has a strong interest in becoming more intimate with the Montessori philosophy.
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Hi Donald,
Its beautiful to go through the learnings and thought process/discussions we have had and which all helped in stepping up the learning curve to be able to say this co is better over the other. You are penning it down beautifully...look forward to more
Hi Jatin.
There is no right or wrong track. We are exploring this together. Yes, I am on a track - but that objective is to first document our journey and what we learnt, and also illustrate how we learnt - hoping that will be as insightful for others, as it was for us.
We would like you to continue exploring your track. Like your enthusiasm - that is the most important ingredient for success, we feel. As we would like Dhwanil to explore his track, and expect a Rudra and others to come in soon
Thanks to seniors like Abhishek who has taken it upon himself to gently guide and moderate all the different tracks, leaving me free to think/construct the flow for the next Valuation ART #.
Somewhere down the line, we will see commonalities emerging from the different tracks. And we will try and hopefully distill all of that in a concise, meaningful way - for easy absorption by all.
We are very fortunate. I was very fortunate that just when I had found you and Hitesh and Abhishek to spar with on a regular basis - we also had folks like Mr D and Mr M challenging us and guiding us to step Up!!
Putting this down is not easy:)...but very enjoyable too...almost feel like going back 3 years...to those days!!
Excellent! All agreed. Not much to add from my side, except this.
We must always have adequate Margin of Safety. We can't overpay.
This thread is ONLY about UNDER-PAYING!! Having that refinement in our mental models to be very very convinced that we are under-paying is the ART side of Valuation!
Nay, this isn't easy. Fortunately we have access to some very refined ART Investors! All we have to do is keep progressing, stick our necks out and take a few risks, and keep asking for more from these guys - get their mental models out in the open :-). And be smart enough to grasp the clues they throw at us.
And it's not about fishing in the dark:). There is probably a process towards progressive refinements coming in - provided we have the discipline!!
Probably, subject matter for Valuation ART #3.
Feel it may be illustrative to reproduce at this stage, the response to a pointed question (in the ValuePickr Public Portfolio thread)from Atul in Dec 2012.Just so everyone can attempt getting clued in to thinking about businesses differently and appreciate somewhat why Mr Market values them differently!
At a very practical level
Q: When do we say a particular stock is fairly valued/richly valued?
A: Some comments from my side. I will try to use ValuePickr Portfolio companies as examples. See if these help
1). Balkrishna, Suprajit, Gujarat Reclaim - are all well-managed manufacturing companies. With strong, capable managements that have demonstrated great long term record. However these are what I would call Category B businesses. There iscyclicality in demand, some years are pretty good, some years are tough, margins do come under pressure. Overall things sort of even out decently achieving kind of 20-25% CAGR growth. But if you think about it, visibility is poor beyond the near-to-medium term.
Think about how Mr Market prices these kind of companies.
[Current Edit: If I remember correctly, all above were quoting ~10x or thereabouts then, and we recommended an EXIT as we saw imminent deterioration in business performance and found Valuations over-priced]
2). Then there are what I would call Category A businesses. These are much more predictable. Size of opportunity is big. Demand visibility remains strong, you don't see a pattern of cyclicality and you CAN see them clocking higher growth rates for a number of years into the future. Mayur and Astral may fall into this category.
Think about how Mr Market prices these kind of businesses. Is there a discernible difference in business quality between these 2 categories?
[Current Edit:If I remember correctly, allabove were quoting ~12x or thereabouts then, and we recommended a HOLD. We anticipated steady business performance and found valuations fair]
3). Then there are Category A+ businesses. There is significant intellectual property involved. Once a certain size/profitability is reached and you have a decent track record established, usually these kind of companies go from strength to strength. Can you see an Ajanta Pharma or a Poly Medicure there. Why not a PI industries? Perhaps a Kaveri Seed Company can reach there??
How does Mr Market usually price these kind of companies??
How are the odds of business performance stacked for these companies??If you can see that difference clearly - that shouldgive you some clues to differentiating among these businesses. And therefore buy, hold or sell clues too! if you can say whether Mr Market is NOW (12 months forward, 24 months forward) valuing them cheaply, fairly or richly - w.r.t. that future picture.
[Current Edit:If I remember correctly Ajanta and Poly Medicure were quoting ~12x or thereabouts then, and we had recommended a BUY. We found these much Undervalued]
It is an ART form - BUT, the more stronger that ODDS (probable business performance) picture for you, the more parallels you can cite from studying Mr Market's preferences, the more businesses/stocks you get familiar with - the better will be that Feel, and we believe the better will be your Calls.
Very interesting discussion and great participation from all the guys who penned down their thoughts.
Coming to the topic theme.. art of valuation...
I think all the theoretical aspects have been put up and discussed threadbare.
One thing which I have been following of late due to the market run up and due to the run up in stocks in our universe is to focus on valuations of stocks posting their 52 week highs or more importantly all time highs.. If stocks posting their all time highs are on closer inspection appearing attractive on conventional valuation methods then it makes sense to dig deeper.
Most of the category A+ businesses as donald mentioned earlier in the thread have been recognised by markets and now onwards less likely to be re rated and hence may not offer significant upsides.
There will be some category A or a category B+ business which are likely to migrate a few notches higher and that might be the trick to eke out higher returns from our universe of companies. In some the market perception is undergoing subtle change towards that direction but the full impact may not yet have been played out in these businesses.. Latching on to these companies undergoing perception change even mid way in their upward journey may provide better returns than the fully or near fully valued category A businesses.
Obvious examples that come to mind are kaveri seeds, dhanuka agritech etc.. Even things like jb chem where cash seems to be viewed differently than a few months ago might be interesting to revisit. Symphony seems to be on its way to category A business and the E part of the PE conundrum might show a good jump.
I will be discussing the merits of these companies individually on their respective thread rather than cluttering it here.
Mr D: Time has come to become more aggressive. It's not enough to sort your businesses into categories. Even within categories there is that one which stands apart, you have a hunch probably is by far the best. You have to pit your Portfolio picks against the other one by one, rank them all the way down.
Now this was getting interesting and tough. We were being really challenged and this got us thinking real hard.
Among Category A, we had to choose between a Mayur and an Astral for the longer term. Remember that discussion (Check Mayur Uniquoter thread around Sep/Oct 2012, for pointers). Similarly we had to rank Poly Medicure, Ajanta Pharma, PI Industries and Kaveri Seed in category A+ businesses.
We evolved the Conviction Rating (CR) and Valuation Rating (VR) models guided by Mr M as illustrated in ourCapital Allocation Framework. We modeled CR on 5 parameters - Business Quality (BQ), Management Quality (MQ), Fundamentals (FM), Industry Position & Track Record (IPTR) and Growth Prospects (GP), and assigned weights to each.
We went on to sub-parameterise each of BQ, MQ, FM, IPTR and GP that allowed us to think more deeply about why one business may be ahead of the other. I really needed this logical breakdown effort to think more intelligently/deeply/comprehensively about businesses and found it extremely rewarding - because for the first-time many incremental aspects (that MUST be included) got ingrained consistently into my thinking/decision-making (via the modeling :-)).
In no particular order : such as Equity dilution track, ability to fund growth, reducing debt with growth, incremental return on capital, RM volatility correlation to OPM, consistent reduction in working capital, management depth, attractiveness as an employer, self confidence - doing things differently, fair compensation, sector attractiveness - market fancy, and the like.
We presented our full-blown model to Mr D within a month. He was pretty impressed and complimented us on the novel way in which we had attacked his challenge with gusto. I remember he said we had exceeded his expectations :-), but this is only a good start, no more. All the credit for the modeling goes to Mr M - without him we couldn't have done some justice to Mr D's challenge in so short a time!
Mr D: We are not done yet. Every time you have a new prospect for the Portfolio, it must find its own slot/ranking at least one notch above the least ranked. It has to dislodge at least one of the existing - adding to the bottom of the pile, isn't much use, right:-).
This seemingly innocuous challenge (new entrant must dislodge at least one business from current perch on the ladder) perhaps has been the most rewarding for us. While our mental models may yet be half-baked, this one test has ensured the quality of ValuePickr Portfolio hasn't deteriorated, not yet at least :-).
Never cease to be amazed by Mr D! His sophistication and his clarity! His never-waning enthusiasm to see folks like us reach the next level.
We had made a good start. This is a PROCESS and we had just got started on an exciting process :-). Refinements are incremental, we have miles to go! Everyday there is new learning.
Repeating the process over and over again, having the discipline to stick to this regimen, doing it every time with full honesty and integrity (no lip-service please) - maybe there lies the clue to UNDER-PAYING!! Consistently!!
Think about that :-). We are certainly hoping vibrant discussions on this thread will tremendously add to current learning!
I had sent out a query to some senior investors. Here's the query and a brilliant throught-provoking response received from a very respected senior and VP well-wisher.
Need guidance - to take our ART of Valuation discussion forward. [Link]
How do the best investors think about the right valuation for an emerging business (and therefore the gap) before consensus emerges about that business in the market?
Interesting thoughts, with very good insight.
I have no idea how good investors make their decisions because Iâm not yet there but I can say for myself. I have never penned my thoughts on this but when looking at emerging stocks, two things I mentally get a hang of are:
1.How does this company make money
2). What can go wrong for this business.
I will not discuss (2).
On (1), I sort of mentally slot where the stock belongs to - what I call as (A) Laborious stocks (B) Average stocks and (C) Smart stocks. The origin of doing so has something to do with school or hostel days where all of us have classmates of different types.
You have very studious and extremely hard-working guys who generally do well in a class directly proportional to their study hours, night-out effort and time. Rank toppers & gold medalists generally come from this segment. Most disciplined & regimented guys also come from here. Some of the dumbest guys are also placed here because of family & peer pressure etc. they keep slogging with poor results. All these are**Laborious stocks**â Type A. They typically constitute 20-25% of the universe.
Then you have guys who are average studying types, will make same mistakes whenever faced with a googly question in the exam or viva. General tastes, fashion, fads etc. You wonât find any Sachin Tendulkars here. These are**Average stocks**â Type B that typically constitute 60% of the universe.
Then you have few who study little but are actually much sharp, fast grasping power, excellent subject understanding of fundas and output they deliver_in relation to the inputs gone in_. Iâm referring to only fair study means, no shortcuts or hanky panky stuff. These are**Smart stocks**â Type C. They may not be rank toppers and sometimes they can even be laid back but my experience shows they have done fairly well in life (not always in conventional sense of the word). May be when you think back, youâll find some real life examples.
It is this Type C â Smart stocks that I always look for when scanning emerging stocks that are yet to arrive (in terms of marketâs institutional discovery and consistency of results) but have some advantage. Scale up, Network effect and expanding of Moats are easier to achieve with this Type C stocks.
Pardon my saying but most of your ValuePickr stocks are the Laborious types including Manjushree, Vinati, Mayur, Balkrishna, GRP, Indag, Astral etc and even Kaveri that you are putting in A+ category. There is nothing wrong in being with laborious stocks and with right traits they make very good money so long as they preserve their traits just like gold medalists and most disciplined guys display. Mayur is a case in point. HDFC bank is a very laborious stock and very disciplined at that, so they can be really rewarding if you find them early and they themselves donât goof it up.
Ajanta Iâll not comment as I donât understand it well.
I can slot PI in Type C where results can be disproportionate.
Last year, Alembic was a very easy Type C and we made an easy kill there, doesnât always happen. Two Type C that Iâm betting on at the moment are JB Chemicals and Accelya Kale, though from much lower levels. One Type C where Iâve_probably_gone wrong is IL&FS Investment Managers.
While dealing with Type C Stocks, one important caveat is that management quality & integrity should not be suspect. Second is when analyzing such a stock, we should be looking at the outcome of big would-be picture. Third is we should have a handle on the right metric to value such a business, not necessarily the PE or PB.
The term âProcessor stocksâ never occurred to me thus far, but itâs a nice way of looking at it and they are a subset of Laborious stocks.
Discl: I have no position in any of the stocks mentioned above,except for the last 4 named stocks.On Laborious stocks, to take the cricket analogy forward, I'm reminded of Australian fast bowler - Glen McGrath who can keep bowling the same outside the off stump nagging line to the batsmen the whole day - so disciplined and so immaculate. If VP stocks are those Glen McGrath,I don't want to give an impression that these stocks will not be good vehicles to ride, as historic CAGR shows they have given superlative returns, and may continue to do so by all means.
Great thought provoking discussion on the Art of Valuation. Thanks Donald for starting this new dimension to the journey of investing.
Donald and Abhishek,
Excellent flow and great constructs indeed! This is turning out to be one of the most thought provoking discussions we have had on Valuepickr. Donald, kudos for your ability to put complex things succinctly and clearly. It can not happen without clarity of thoughts!
On your point of "UNDER PAYING", I am all with you and strongly feel that in spite of varying style and preferences of various value investors, one thing that should be sacrosanct is "margin of safety". That is the reason, I am not comfortable making investment at a price which has lot of "built in" expectations and margin for error is limited (Ref. discussion on Page valuation).
The idea of a new entry into portfolio should find a place one notch above the least ranked stock in portfolio is immensely powerful especially from capital allocation efficiency perspective. To further imbibe into your thought process and to make it process oriented and keep the discipline, we must resort to checklists. I came across fairly exhaustive check list shared by value investor Rohit Chauhan on Safal Niveshak. One can tweak it to one's comfort depending upon parameters one wants to capture and detailing one wants to do. However, I am increasingly realizing that such checklist/scoring matrix is a must to ensure that decision making is least prone to "biases" and subjectivity. Thiswill also ensure (only if carried out with full integrity and honesty as you very rightly mentioned) that capital allocation happens to stocks which are better than existing portfolio of stocks and not based on heuristics ( I am tempted to recommend reading Thinking fast Thinking slow By Daniel Kanhman to understand how in so many instances we resort to heuristics to replace a structured decision making process to proxy complex situation with "simplistic" variables!).
Kudos for the knowledge.
Hitesh & Ayush seems to me in Type C category.
Thanks Donald for starting the best thread of vp so far.
Till now, all I was looking in a business is is a consistent ROE, ROCE >20, low debt, good management, good sales/ebit/np growth each qtr yoy, and a fair valuation, and a reasonable logic for such performance to continue in medium term future. Just now started to incorporate high dividend payout to my stock selection.
What you started is a discussion a notch or two higher than the way I was selecting stocks. Here you are not just looking at the number and leaving the sustainability part for "lazy evaluation", but rather by looking at the moat/intellectual property/stickiness of business, you are trying to divide them into buckets>
I can clearly see why PI Industry should be in "Type C" category, especially because of its CSM business, which we all know has a huge order book (for next 3-4 yrs), is sticky nature as its customer dont change CRAMS partner unless in extreme situations, is based on high trust environment. Plus the cashflow generating out of CSM business can be used for building new plants in CSM segment, and boosting agrichem business, which we know has huge potential in future.
What I dont get is why Alembic was a "Type C" stock (I am invested in it from 100 level, and it was a pure undervaluation play for me), and why JB Chem/Accelya are "Type C" stocks. May be you can get reasoning for these 3, so that we can get the framework for identifying "Type C" stock.
Also why "ILFS Inv Management" was a "Type C" stocks and why it failed. As per my knowledge it was the only listed PE firm (and hence a concept stock), and it failed because of its investment in Real Estate cos.
A very interesting discussion. It is also very interesting the analogy of various kinds of students being compared to various kinds of companies.
My takeaway from this analogy is that we should look for companies which have laid the building blocks for disproportionate future growth. Laborious stocks will produce a rupee worth of incremental growth for the extra rupee of incremental input. It is not a one to one relationship but an extra rupee wouldn't produce two rupees of incremental growth in this category.
Smart companies will produce disproportionate growth. This is a moat type company which will be able to rapidly expand because of its brand, IP or network.This is not very different to smart( moat as one is usually born this way) students who have a great grasp of the fundamentals and can combine diverse disciplines to answer complex problems. PI and Polymedicure clearly are in this group. Having built the base e.g Poly medicure can have a disproportionate growth if some large OEM order comes in. Another stock to be included in this category is Amararaja. It has done the hard work of building a dealer network and brand building. It is in the process of expanding capacities.It will capture a larger part of the market share with lesser incremental effort as in a two cornered fight, the spoils to the winner are disproportionate.
A great beginning to a very enriching discussion.
Thanku Donald.. The threads under Capital Allocation are addictive..
Most of the compounders are Type A and Can we say some of our Opportunistic bets are Type C..
Regarding margin of safety; Can we associate quality of business, growth with Margin of Safety..
Since valuepickr or any large player can influence a stock valuation, how does Mr D and other veterans remain rational/objective.. Steps they take to remain balanced..
Is it due to vast experience or do they just know what works/will work on the street..(Sometimes we can't point the exact reason)..Will be grateful to hear from them..
This thread will take the award for best thread in VP - this looks like a type-C thread
Feels like we are in some mythical land searching for the secret treasure of knowledge.
Type-C may not be exactly related only to Moat/IP. It looks like a high conviction+high undervaluation concoction. The larger picture may be just hiding out there like the example of Warren Buffet's investment in American Express.
Shilpa looks like a Type-C. I had placed JB under opportunistic bet, but looks like it can turn out to be more than that especially if the company can keep building brands like Rantac.
Symphony was surely a Type-C at 270 levels and maybe even now.
Hooked to this discussion.
** especially market. **
Network effect needs to be backed by long term sustainable business model. Look at what happened to Nokia, Nortel etc to understand that network effect can as quickly get destroyed as it is created.
Most of the new technology stocks(intangible assets holding cos) are highly valued like eagle sailing on sky. Do you remember Technology Bubble 2000 ? That will give you answer.
Some creations in this world is far from our understanding. So we better not predict it. For eg. Women's mind, Universe and its boundary, Technology stocks (not all but most).
Some common traits which I can perceive for category C type of businesses-
1). Scalable Business having unique Intellectual Property.
2). Requires very little or no capital to grow, as a result most of the cash generated is free.
3). Deeply Integrates with the businesses of its clients such that it becomes indispensable part of its business.
4). Company's revenue forms very small percentage of the cost for its clients, but adds much value to its clients business.
5). Repeat businesses from the same clients.
6). Enjoys huge operating leverage. Once a certain size is reached costs does not increase in the same proportion as revenue growth.
Businesses referred- Accelya Kale, DRG, IKYA
The whole idea of Type C stock and comparison with "smart" student is very interesting and conveys the central idea so effectively! It is pleasure to learn the diversity of metaphors and mental models successful investors use! My hunch is that many of the Type C stocks will be clouded by uncertainties. It is important to distinguish between uncertainty and risk. Uncertainty does not ALWAYS mean risk! However, market more often than not ALWAYS considers uncertainty as risk. For example, JB Chem which decided to keep large chunk of cash on the books created an uncertain environment where investors and market were not sure how and when the cash will be deployed in the business. But management made it clear that cash will be deployed for the growth of pharma business. However market was still looking for "proof" and in absence of proof it discounted the value of the business heavily. As management started walking the talk, and slowly but steadily started deploying cash in business, market has started to realize that "perceived risk" no longer exist or the odds of risk materializing is low. Eventually, it will give "due respect" to hard cash...! Same is the case with Piramal. At current price of PEL, one can get exposed to number of positive black swans and a share in high quality businesses on extremely favourable terms . Having said this, senior investor is so right in saying that management integrity is absolutely must in some of these situations. Market is full of value traps where "uncertainty" has materialized into risk due to lack of management integrity.
The whole idea of investing in Type C stock can be very very rewarding! So, again great concept.
In the wake of recent actions taken by FMC of
-marginalizing FT representation on board
-clear indication of no financial liability for MCX on account of NSEL
-Today's FMC order asking FT to reduce its stake from 26% to 2%
Can we consider investment in MCX Type C opportunity? MCX (or for that matter any DOMINANT exchange" in general) is a very high quality business with expanding moat (network effect as "winner takes all") which is still scratching surface in India. Can we systematically understand the current uncertainty and its repercussions to evaluate whether there exist significant risk or not. But I will take that up separately on MCX thread.
Beautiful Discussion. Loving every part of it. And yes, one of the Best threads here. Threads on Business Quality and Capital allocation are equally powerful. One point that stuck me the most is "for every new entry in the porfolio, an existing one has to go." Very Powerful. Needs a lot of hardwork and a structured framework & approach to accomplish this.
Things are very dynamic. On one side are type C and type B stocks (well, I love B types, they have been working wonderful so far, And we all know seniors who compensate smartness with hardwork:), which can be kept for(ever) long-long time and then there are PSU bets based on political environment and sugar cycle plays. I understand we need "to experiment", but I am struggling with it and not very clear how this fits with the idea "for every new entry in the portfolio, an existing one has to go". Any thoughts here..?
Mr D meant, if you have 5 businesses in the portfolio you can add a 6th for sure. But the minimum ranking for the 6th business has to be at least #5. Don't add a 6th or 7th or 8th business at the bottom of the pile lazily, or mechanically.
Any new entrant should challenge you to think through very clearly why it belongs to the top rungs. It must have enough in it to be able to seriously challenge the incumbents and move up by moving at least one down

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Adam Scott
Adam Scott stars in "Ghosted," which is something that happens to us way more often than we'd like.
Adam Scott stars in "Ghosted," which is something that happens to us way more often than we'd like.
"Time After Time" star Génesis Rodríguez got her start acting in telenovelas. Just wait until Conan reveals that his twin brother is actually the priest who ran over her abuela before having an affair with the local pop star.
The Vamps are a British pop rock band that met online. We're so glad they swiped right because their album Wake Up is SO SO good.
Martin Short has given the world Ed Grimley, Ned Nederlander, & Jiminy Glick. As far as we're concerned, he's as big a hero as Jonas Salk, only with less needles.
Natalie Zea stars in "The Detour," a show about a family vacation road trip. We love road trips, especially the part when we arrive back home.
The Pretty Reckless' new album is Who You Selling For. Look for our cover band The Unsightly Conscientious every Tuesday night in the Long John Silver's parking lot.
"A Walk To Remember" made us cry, but "This Is Us" left us sobbing in fetal position for six straight days.
Our friend Jimmy Pardo might be the fastest wit we know and he's using that quick mind for charity for his annual "Pard-Cast-A-Thon."
Chris Lane's album is entitled Girl Problems, something Conan doesn't relate to at all.
Lisa Kudrow stars in "Table 19," with Anna Kendrick, Craig Robinson, and June Squibb. We'd give up our left pinky toe to sit at that table.
Justin Bartha stars in "The Good Fight." Pair it with "The Good Place" and "The Good Wife" for an evening of really good television.
Canadian rock band The Strumbellas are bringing HOPE to the US this year - the album, not the feeling. We're sorry if we got your hopes up.


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As embarrassing as it was to make two quick patch releases for Tiled 0.12, unfortunately I needed to make another one since more critical updating issues were discovered.
The full list of fixes:
Go get it from the Download page.
In the meantime, I've started to make progress on Tiled 0.13 by working on tile stamp improvements. If you want to help me progress faster and get around to more exciting features listed on the Roadmap, please consider joining in to support me through Patreon. Thanks!
More work, more issue
Thanks for your work @bjorn


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Everett S.
Jacksonville, FL, 32216
Joined on October, 2013
Gender: Male
Average Rating:
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Up to 25 minutes away for no additional charge
EducationAmerican InterContinental University, MBA specialization Finance & Accounting, 3.38, 2006
Jones College, Bachelor of Science Business Administration, 3.63, 2004
ExperienceI am a college instructor, and have instructed and tutored students for 7 years. I have tutored in a variety of different courses, Math, English, Statistics, Accounting, Tax, Computer Skills, Business Courses, etc. I also have a total of 4 years tutoring children from 1st through the 12th Grade, this was done Pro Bono.
My Passion and purpose is teaching, tutoring and helping others achieve their goals academically, and personally. My goal as a tutor is to help students incorporate or improve critical thinking skills and effective problem solving strategies; I also use memorization, and formulas to help students comprehend and retain the information. In my teaching style I incorporate visual, auditory and kinesthetic elements into every lesson because students differ in the manner by which they comprehend information and learn. Conducting assessments is another important tool for determining the student's needs as well as for determining their progress and thereby guiding instruction. I also get a kick out of seeing their faces when the light finally comes on.
HobbiesReading, computer mind games, history and cultures.
Preferred Subjects
Elementary Math, ACT Math, English, ACT English, Reading, ACT Reading, Writing, Accounting, ASVAB, Business, Career Development, Computer Skills, Finance, Microsoft Word, Microsoft, Excel, Microsoft PowerPoint, Organization, Statistics, Study/Skills, Tax,
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The tutor will respond if they are available/interested.


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Sick Nevin hoped to help other prisoners
A lecturer who befriended Catherine Nevin as she prepared for her release from prison has spoken about her intention to help prisoners with addiction upon completing her sentence.
However, it appears unlikely she will get an opportunity to do so after it was confirmed she has just months to live after being diagnosed with a terminal illness.
Derek Byrne, a drug and alcohol policy lecturer in Maynooth University, met Nevin in 2014 when she enrolled in an adult education course in addiction studies.
He said her interest was sparked by her observations of drug use among women prisoners in the Dochas Centre at Mountjoy Prison.
Writing in The Irish Times, he said it was also clear she often found prison life difficult. "One night she arrived at class shaken, having witnessed a violent incident in the jail. She broke down in tears as she described the severity of the beating one woman had given another," he said.
Nevin was jailed in 2000 after she was found guilty of murdering her husband Tom. She became known as the 'Black Widow'. Nevin was granted regular periods of release from prison so she could attend classes. Byrne said she engaged well with her work and he was confident she would have had enormous potential to help prisoners after her release.
Nevin chose to leave the second year of the course early but the pair stayed in contact and became friends.
"She would often call me at weekends, for support with an assignment, and later might also call, for example, to ask how I was if she knew I had been ill. She also phoned to wish me a happy birthday when I turned 50 and arrived at class that week with a card and a three-dimensional drawing she had made for me."
He revealed that Nevin was due for release when she was diagnosed with a serious illness. "She has just months to live. Even a person convicted of an abhorrent crime can learn and make some positive contributions to the world."
Sunday Independent


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- 8-3/10"L double handles; 12"L adjustable crossbody/stroller strap
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Understanding the Buying Behavior of the Apparel Customers in the Organized Retail Formats
Bikramjit Rishi*
Apparel Retailing in India is gradually inching its way to becoming major contributor in the retailing growth in India. The whole concept of shopping in apparel category has undergone change in terms of format and consumer buying behavior, ushering in a revolution in shopping. This paper makes a contribution towards a comprehensive understanding of the Indian buyer towards the apparel buying from the organized retail market. It is desirable for organized retailers to acquire such knowledge in order to devise suitable strategies to enter and compete in the Indian retail marketplace. In addition, this study provides researchers to undertake more in-depth analysis of the market to explore the different facets of the attractive yet complex Indian retailing environment.
Keywords: Apparel Buying, Entertainment Facilities, Indian Consumer, Buying Behavior.


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Lately, there has been a lot of discussion in the Operating System iTC around an objective SFR in the current revisions of the protection profile, entitled FPT_W^X_EXT.1. The SFR is part of a set which are intended to address the O.INTEGRITY security objective for the OSPP. While some of the discussion has been around what the actual meaning of the SFR is and what is hoped to be gained, much of it has been around whether any operating systems even support the feature as worded. This post intends to address all of these issues.
First, it is worth reading the actual text of the SFR itself: "The OS shall prevent allocation of any memory region with both write and execute permissions except for [assignment: list of exceptions]."
The accompanying application note gives us some more insight into the rationale, as well as what is actually expected: "Requesting a memory mapping with both write and execute permissions subverts the platform protection provided by DEP. If the OS provides no exceptions (such as for just-in-time compilation), then "no exceptions" should be indicated in the assignment. Full realization of this requirement requires hardware support, but this is commonly available."
While nearly all operating systems currently support the use of the NX bit, or the equivalent on processors such as SPARC and ARM, and will correctly mark the stack as non-executable, the fact remains that this in and of itself is deemed insufficient by the PP authors.
This is probably also where some of the confusion comes in. First of all, the name of the SFR, "W^X," introduces some confusion for the following reasons:
- W^X (write xor execute) is the name of an implementation specifically in OpenBSD. One might therefor think that OpenBSD would meet this SFR, however it does not, as I will demonstrate below.
- When you look at the testing activity, W^X does not cover all three of the test activities, which essentially break down as follows:
- W^X (write xor execute) – ensure that pages of memory can never be both writable and executable
- X!->W (execute never write) – ensure that an executable page of memory cannot be made to be writable
- W!->X (write never execute) – ensure that a writable page of memory cannot be made to be executable
The assurance activities direct the evaluator to:
- Acquire or construct a test program which attempts to allocate memory that is both writable and executable. The evaluator will run the program and confirm that it fails to allocate memory that is both writable and executable.
- Acquire or construct a test program which allocates memory that is executable and then subsequently requests additional write/modify permissions on that memory. The evaluator will run the program and confirm that at no time during the lifetime of the process is the memory both writable and executable.
- Acquire or construct a test program which allocates memory that is writable and then subsequently requests additional execute permissions on that memory. The evaluator will run the program and confirm that at no time during the lifetime of the process is the memory both writable and executable.
Obviously, these three assurance activities, as noted above, describe some things which are a little bit different from what one might think. Additionally, they describe something different than what many operating systems (even OpenBSD) have actually implemented.
The following image shows a test program I constructed running in OpenBSD 5.8 on VMWare Workstation Professional 12.1:
FreeBSD, Solaris, RHEL and most other Linux distributions also fail all three tests. Mac OS X passes the first test, but does not have mprotect hardening:
There are, however, two BSD variants which do pass, and both have something in common.
First, let us look at the test running on HardenedBSD:
As we can see, all three tests pass.
NetBSD is a little different:
However, we have an option here:
Both HardenedBSD and NetBSD ported the PaX method for ASLR and executable space protection. Any Linux distribution which uses the PaX hardening model (often leveraged through grsecurity) should also pass these tests. Using SELinux to set the Boolean value for deny_execmem prevents one from mapping pages of memory which are executable at all, however, when one maps a page of memory as writable and then escalates permissions via mprotect() to PROT_WRITE|PROT_EXEC, one is able to do so:
As you see, with "setsebool deny_execmem 1", we are unable to mmap() any page that is PROT_EXEC to start, but with mprotect(), we can create a PROT_WRITE|PROT_EXEC page of memory.
So, as we can see through illustration, there are clearly operating systems which support the SFR as written. Saying that there are none, as some have suggested, is false. HardenedBSD passes all three tests out of the box, and NetBSD will do so with a single sysctl tweak. Since they are using the PaX model, anything else using PaX, such as a grsecurity-enabled Linux distribution pass these assurance activities as well.
That doesn't mean that the SFR can't be improved, however. For instance, it does not address dual-aliasing a memory mapped file where on map has PROT_WRITE and the other has PROT_EXEC. Attempting to do so succeeds on all operating systems tried.
So, to recap where we are:
- The SFR can, and has, been met by several operating systems, though they are primarily non-commercial.
- The SRF is, however, written essentially to the PaX model for doing executable space protection. This isn't to say that one must do things HOW PaX implemented the protections, but in order to meet the SFR, an OS needs to implement what they did.
- OpenBSD, the OS for which the SFR is named, does not actually pass the assurance activities. The name of the SFR should be changed, since what OpenBSD W^X actually implements is not what is being asked for or tested in this SFR.
- There are still edge cases, such as dual-mmap aliasing files, which are not handled by the assurance activity, and for which no operating system appears to provide a prevention mechanism. In fact, there are documents online illustrating doing exactly this to get around potential issues related to this type of restrictions. Depending on the LOE to implement protection around this, it may or may not make sense to extend the assurance activities and have the SFR address this situation directly.
Given all of this, it makes sense to leave this as an Objective SFR for the time being. Hopefully it will serve as a nudge for OS vendors to move towards full implementation.
In the comments below, a reader helpfully brought up the new pledge(2) system call in OpenBSD 5.9 and how it might be used to edge further towards meeting the strict enforcement requirement of the protection profile. I responded to the comment below, and I will likely do another post in the future delving more into pledge(2), particularly in the context of the Software Application Protection Profile, since it is more inline with providing a mechanism for meeting requirements in that protection profile. I will likely also do a side-by-side comparsion against the similar Capsicum framework found in FreeBSD.
However, keeping in mind that, as written, the protection profile requires mandatory enforcement with the ability to opt-out on a per-application basis in order to meet needs such as those of JIT compilers, I would like to provide a few further illustrations of how pledge(2) doesn't further compliance with this specific objective requirement in the OS protection profile.
First, a similar illustration to the one from OpenBSD 5.8, we attempt to map a page of memory as W|X, and this succeeds. Code sample and execution output are in the right terminal, with procmap output in the left:
The test tool prints out the PID and the address of *page, which contains the mmap(2)'d page of memory. In procmap, we see that we do have W|X permissions.
In this next example, we see that I use pledge("stdio", NULL) above the call to mmap(2), so that the peldge enforcement kicks in prior to my attempt to map W|X memory. Attempting to run the code causes it to die with sigabrt and a core dump, as by default a pledge(2) on stdio disable the ability to map memory as PROT_EXEC.
Next, however, we see that If I move the peldge(2) call below the call to mmap(2), I am successfully able to map a W|X page of memory. Again, we confirm this with procmap.
In the final example, I move the pledge(2) call back above the mmap(2) call. This time, in addition to pledging stdio, I also pledge prot_exec. Doing so allows me to now map a W|X page of memory.
So, while I am absolutely a fan of pledge(2) due to its ease of use and ability to help enforce safe, correct behavior in software, the lack of mandatory, across-the-board enforcement of W^X pages in userland without the developer having to review or modify code first in order to conform to policy, does not meet the letter of the requirement that is being discussed here. That shouldn't be taken as a slight against OpenBSD, their implementation, or all they have done for software quality and security as well as general Internet hygiene, just an illustration that the requirement, as written, is almost expecting to be met via a PaX-model implementation.


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|Black Friday Deal for Xiaomi Product what you should see, It is so cheap for you and you only have on Black Friday. Please see below for more detail:
Oukitel U15 just released last month and now Oukitel has launched Oukitel U15S with better performance MTK6750T Octa Core 1.5GHz, 4GB RAM, 32GB ROM and support Fingerprint Scanner. This is the first smartphone 4GB with cheapest price now compare with another China product like: Ulefone, Elephone, Xiaomi,…. Let's checking detail specification of Oukitel U15S
Oukitel U15S sold on Gearbest $139.99
Oukitel U15S specs
- Display: 5.5 inch, 1920 x 1080 pixels FHD screen
- CPU: MTK6750T Octa Core 1.5GHz
- System: Android 6.0
- Camera: 13.0MP ( SW 16.0MP ) rear camera + 5.0MP ( SW 8.0MP ) front camera
- Sensor: Ambient Light Sensor, Gravity Sensor, Proximity Sensor
- SIM Card: Dual SIM dual standby, dual nano SIM cards
- Feature: GPS, Bluetooth: 4.0
- Network: 2G: GSM 850/900/1800/1900MHz, 3G: WCDMA 900/2100MHz , 4G: FDD-LTE 800/900/1800/2100/2600MHz
- Output: 3.5mm Audio Out Port,Micophone,Micro USB Slot,Speaker,TF/Micro SD Card Slot
- Battery Capacity (mAh): 2450mAh Built-in
This product support many language, so you can buy it easy and don't need to worry so much about your language. This smartphone sold on Gearbest only $139.99 and will increase to $179.99 after flash sale, so if you want to buy it, please check it below link now
Where is Oukitel Company?
Oukitel is the China technical company put in Futian, Shenzhen, China. Below is detail company
- Address: 7A-01,Tianji Bldg,Tian'an Cyber Park, Futian,Shenzhen,China
- Email: firstname.lastname@example.com
- HotLine: +86 755 83838206
How to Warranty?
Full warranty when you have any trouble with your phone, let's check warranty information here:
How to buy Oukitel U15S?
You should buy Oukitel U15S on Gearbest to have more benefit about warranty when you have trouble with your smartphone. They will protect you to warranty it, please see more in below link
How to buy product on Gearbest (Step by step)
We have ordered almost 1k orders on Gearbest, you can see how to order on Gearbest in our website in below link
- If you have not bought anything through Gearbest, please see in this link because it will show every detailed steps to purchase any items on the site safely and quickly.
- Check Gearbest coupon before you buy anything to decrease your cost
- You absolutely need a Paypal account with a sufficient amount of money inside, which is equivelent to the price of the phone.
- After you decide to buy things on Gearbest, the site may send you an email to verify your buying, so dont forget to check your email.
Now, it has been on sale on Gearbest store, and it is adopting some great events that you can check out right here:


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Tags401 1st Ave 1940s Alternative Apparel Backstage Belle Reve BlackBlue City Pages Coverage Digital Crush Photo DJ Drinks Eco Fleece Fabric Fashion First Avenue Flowers Framboise George Moskal Go Vintage Interview l'étoile magazine Look Book Louis Vuitton Luggage LunaRacers Media Minneapolis Minnesota History Center Minnetonka MNfashion Models Music New Glarus Newspaper Nike om Pafou Thao Party Photography Retro Saint Paul Spring Spring 2010 Vita.mn Voltage: Fashion Amplified 2010
Author Archives: george
Facebook Link
The best place to keep up with me right now is on Facebook: https://www.facebook.com/george.nathan.moskal
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Coverage Tab
I've been collecting links from print and online local fashion coverage. They are all under the Coverage tab above!
Posted in Uncategorized Tagged Coverage, George Moskal Leave a comment
MNfashion Week Little Black Dress Event
I'll be participating in the MNfashion event Little Black Dress Check out my interview about the event with Kate Iverson from the651.com including original sketches of the garments that will be headed down the runway.
Posted in Uncategorized Tagged Fashion, George Moskal, MNfashion Leave a comment
George Moskal line available at Arafina
Select garments from my Spring 2011 collection are now available at Arafina in the Galleria in Edina, Minnesota. My navy shift dress has been a stellar seller and will soon be available in gold. Arafina website
Posted in Uncategorized Tagged Arafina, collection, Edina, Fashion, Galleria, retail, Spring 2011 Leave a comment
Irving Penn
I came across this amazing Irving Penn spread in Vogue at the library today. I have always been intrigued by his photography, especially his amazing still lifes. This issue is from March 1, 1947. The last series in this issue … Continue reading
Posted in Uncategorized, Vogue Tagged 1940s, Ingrid Bergman, Irving Penn, Lanvin Leave a comment
100 Creatives
Designer and textile artist George Moskal creates pieces that are classic through and through. In addition to being featured for several years in Voltage: Fashion Amplified, Moskal was also part of this spring's highly regarded MNFashion Shows. Continue reading
Posted in George Moskal, Twin Cities Tagged City Pages, Coverage, Fashion Leave a comment
MNfashion Week The Shows 1
A collection of quotes and photos from my recent runway show: "George Moskal's gorgeous, billowing silhouettes and eye-catching colors were beautiful on the runway, but plenty of the ready-to-wear items could easily work into a woman's everyday wardrobe." — StarTribune … Continue reading
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Thank you for all the support!
Thanks to everyone who came out to my show last night! Check out some of the reviews and galleries under the Coverage tab above. I'll post more as I track them down.
Posted in Uncategorized 2 Comments
MNfashion Show
Hope to see everyone tonight at my runway show at the MNfashion Atrium in Northeast Minneapolis. Check out the MNfashion Week site for all the details: http://mnfashionweek.com/event/theshowsnight1/
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Fragile as Smoke
I spent the afternoon this past Friday researching for Spring 2011 at the St. Paul Library's vast collection of Vogues. I focused my research on the late 1970s to early 1980s for no particular reason other than not knowing a … Continue reading


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Dahmer Trailer (2002)
"The mind is a place of its own." 21 June 2002 Drama, Horror 101 mins
On February 15, 1992 in Milwaukee, Wisconsin, Jeffrey Lionel Dahmer, one of the world's most infamous serial killers, was convicted of 15 counts of murder and sentenced to 937 years in federal prison. This movie is based on events from his life. Certain characters and events are fictional.
Watch the official Dahmer 2002 trailer in HD below or find more Dahmer videos on Vidimovie.


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Vos amis connaissent peut-être ce marchand? Partagez cette page sur Facebook et découvrez ce qu'ils en pensent!
Just excellent criminal lawyer. Maureen is approachable and kind.I always knew what was happening with my case.Really shone in trial.Prepared and great xexaminer.I knew that other lawyers were a bit cheaper but feel i spent my money well because of how she handled everything.And that she won the case (when the Kitchener crown wanted jail and my first lawyer was trying to get me to plead guilty).
First time I needed a lawyerfor a criminal case.Used Maureen Currie to reprsent me. She is real good and kind to me.Trial cross examination was like on tv.I was found not guilty because I WAS not guilty.I almost went with another lawyer because he was less $.Glad I didn't because she returned my calls and worked hard to get me off.At the end, I owed her a bit more $ cuz trial went extra day.She said forget it and recommend me if someone needs a lawyer.So I thought i would write here
Ms. Currie has such a great personality and on top of that she's also a lawyer, those two things are very hard to find one person. I was criminally charges at my employment. She helped a lot, charges were dropped and I didn't get a criminal record. I was living a nightmare through my ordeal and she was so understanding, listened to me, comforted me, assured me everything will be ok. She was very easy to reach, and even when leaving a message she would get back to me right away. Best lawyer.
I sought out Currie Law regarding an employment matter. Maureen Currie provides outstanding legal counsel. She is straightforward and to the point. She outlines the pros and cons of all the options and possible implications in the short term and longer term. She was very respectful of me, listened to my story and was open to input. Her expert advice allowed me to move forward in a manner that protected my needs, my rights and future options. The end result was a win-win solution for me and for my prospective employer. Maureen Currie is approachable, thorough and practical. There is no doubt in your mind that she is working for you. Her wealth of experience and legal acumen is abundantly clear. Services are delivered in a comfortable, professional manner. She is truly a trusted advisor! Many thanks Maureen! MC
I was recently terminated from my job of four years and was offered a severance package. Before making a decision whether to accept the severance package I decided to seek legal advice. Based on review ratings on yellowpages.ca, I found Currie Law. Ms. Currie is nothing short of impressive. First, she responded to my phonecall personally, and was very patient and down-to-earth and was truly thinking in my best interest. After meeting with her, I was able to get a much clearer picture of the situation and of my options. Ms. Currie was very knowledgeable and experienced. She was professional and objective in offering her advice. She took the time to hear my employment and termination experience, explained to me the basics of employment laws, gave me her takes on the situation, presented me with various options and the pros and cons of each option. She is nothing short of spectacular and truly has her client's best interest at heart. Should I need relevant legal advice and/or representation in the future, I would not think twice before contacting Currie Law. She is a model for consulting professionals everywhere. C.G.
I was recently terminated from a job I held for 22 years. I hired Ms. Currie to analyse and negotiate my package. I was worried that a lawyer might just be looking out for their own interest and may misrepresent whether the package was good. I found her to be straight forward, extremely friendly but a no nonsense lawyer. She told me that it was a good package and that if I were to go to court to fight it the lawyers would be the only ones that would win. I appreciated the candor and honesty but believed that after this many years I deserved more than what they offered. I hired her to negotiate a larger package. Thanks to her expertise I ended up with an additional 4.5 months, a longer period of benefits and even money for the loss of my company car. She kept me up to date each step of the way for the month and a half it took to reach agreement and my pay was not stopped in the meantime. I really had a good experience with this firm and recommended my brother in law who was fired last month. He was also impressed. I was bored and looking at the yellow pages tonight and thought if I could help someone else who is worried about a legal problem that it would be a positive thing to do.If all lawyers were as professional as her there wouldn't have lawyer jokes.
I was searching and saw someone say that all lawyers are crooks so I wanted to tell a good story.I was charged with dangerous driving and the other lawyer I spoke to said there was no chance of success and started giving me the gears and telling me how much a guilty plee would cost. So I left and phoned Currie Law and hired Maureen Currie.I am happy to say that she was really great and not a crook.She listened to me and really worked it in court.She cross examined the police so good that I got off with no hitch. She was worth the money. So some lawyers are the real deal!Just thought I would say it out loud and maybe help her out since she worked so hard for me.
I used Ms. Currie to address an employment situation for me a few years ago and was extremely impressed with her thoroughness and responsiveness. I ended up with an excellent severence. When our son got in difficulty in a criminal manner, I called her again, given that she also used to be a crown attorney. She is a most professional lawyer. She kept him up to date and responded immediately to any inquiries. His mother and I were very impressed with her handling of the trial. I know she worked very hard at his defence because the night before his trial we had to reach her at midnight and she was still at the office. I believe in letting people know when there is excellent service. Maureen Currie did outstanding work in our opinion.
I have nothing but good things to say about this firm and the lawyer that I used, Maureen Currie. I went to her because I wanted a woman who I thought would better understand my issues better than the other lawyer I interviewed and found her thru an online review.She is excellent.She appeared in Court on my behalf on several occasions and I was always impressed with her demeanor and command of the law. So was the Judge I guess. I won and wanted to do something good for her and the public who need a lawyer but haven't any idea who is good and who is not. My calls were always returned promptly.She can be a bit aprupt but ends up being extremely understanding. She was more reasonable in the end than the other counsel I interviewed by several thousand dollars. I wouldn't hesitate to recommend her.
I was worried when I was charged and hadn't before been in the courts.I found this firm through the phone book and was worried but i couldn't have chosen a better lawyer. Ms. Currie handled things really well and quickly.I guess you don't chose a lawyer by price but she was cheaper then the lawyer that the other person that was charged with me who used.I got off without a record thanks to her.Cool lady.
After 17 years with my Company, I was recently terminated from an executive position 1 month before Christmas. I was offered what I thought was a fair package but thought I should have a lawyer review it because of a non compete clause. Didn't know any employment lawyers but saw this ad among the others. 3 other lawyers didn't even bother returning my call for days but Maureen called me back personally that night. I was a little doubtful when she told me that she thought she could get me another few months, especially when I didn't want a dragged out court fight but trusted her judgment. She got me 8.2 more months and made them take out the non compete clause.The communication between her and my company was very professional (much like the lawyer herself). We wrapped it up today, less than a month after my termination and I was paid throughout. Since I know how confusing it is to find a lawyer that is really out for your best interest, I wanted to pay it forward and recommend her. She was sure worth the drive from Mississauga.
I was charged with a crime I didn't commit. I didn't know who to call since I was not from the area. I found Maureen Currie through the computer and also found another lawyer's name at a different office. I met him first and he seemed bored when I talked and more interested in getting my money then finding out about me. So I called this lady lawyer Ms. Currie. She defended me and got me off. She never gave me any attitude like she was too busy to talk to me. I was real impressed in watching her argue. In Court you could tell the Judge respected her. She was pricey but the Crown was looking to have me thrown in jail. I was acquitted at trial.I don't have a criminal record now thanks to her. I thought I would right this in case someone out there is in the same position I was in and don't know where to turn. She's real good.
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"This is a sweet/tart coffee cake with holiday spices. I like to make this the night before a holiday for breakfast, this way I can start cooking holiday dinner and still have something to eat. This is based off the original Holiday Crustless Cranberry Pie, Impressive and Easy!, but I have made enough changes it has turn in to a new item, with new flavors. This calls for only 2 cups cranberries, either fresh OR frozen."
Christmas Cranberry Almond Coffee Cake
0 recipe photos
READY IN:55mins
YIELD:1 pie
Ingredients Nutrition
- 1 cup all-purpose flour
- 1 cup white sugar
- 1⁄4 teaspoon salt
- 1⁄2 teaspoon cinnamon
- 1⁄4 teaspoon ground cloves
- 2 cups fresh cranberries or 2 cups frozen cranberries
- 1⁄2 cup sliced almonds
- 1⁄2 cup melted butter
- 2 eggs
- 1⁄2 teaspoon almond extract
- 1⁄2 teaspoon vanilla extract
crumb topping
- 1⁄4 cup sliced almonds
- 1⁄3 cup packed brown sugar
- 2 tablespoons butter
- 2 tablespoons flour
- 1⁄2 teaspoon cinnamon
- Preheat over to 350 degrees F(175 degrees C). Grease one 9 inch pie pan.
- Combine flour, sugar, salt, cinnamon, clove. Mix well. Stir in cranberries and the almonds and toss to coat. Or add almonds and put berries in bottom of pie pan. Stir in butter, eggs and extracts. Spread into pie pan.
- For topping: mix sugar, flour, cinnamon, almonds. Press in soft butter until you get a crumble mixture. Put on top of batter.
- Bake for 40 minutes or until a wooden tooth pick inserted near center to come out clean. Serve warm or cold. Heats up nicely in microwave for a few seconds.
- P.S. Frozen berries last one year. Make sure to pick through your frozen berries before using. The more wrinkles on a frozen berry the older it is. The batter will be a little thicker if you use frozen cranberries. It is easier to see the bad berries if you unfreeze them in warm water.
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The Wellington Project: Melle West
As part of Reconciliation Week, we're featuring some of the people involved with the 'Wellington' project. Twenty-three year old Melle West shares her vision for the youth and future of Nanima Village.
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"The Wellington Project is two years of research and consultation with the local Wiradjuri community to write their histories into the official history of Wellington," explains creator, Matt Gallois.
Twenty-three year old Melle West is the face of a new generation of young Aboriginal people, living in and around Wellington.
Melle grew up in the Aboriginal community of Nanima Village, around 7 kilometres from the centre of Wellington. After three years studying social work at university, Melle returned early last year with her baby son Alister.
"It's a very small community, it's a tight-knit community but it's got a significant history behind this place and I guess I have a very deep connection to this place," Melle said.
"Growing up here has its issues but I don't think I would change it for the world.
"It's shaped who I am as a person. It's shaped my identity as an Aboriginal woman and I know that a lot of people are really proud to have grown up out here, especially a lot of the young ones."
Melle West is passionate about the possibilities for this small community, despite some of the problems she's faced along the way - including bullying in her high school years.
"Being bullied for living on Nanima, today I still see the kids going to high school getting bullied the same way I used to. The majority of people that were bullying me were Aboriginal students from in town.
"It comes back to the history behind this place. Throughout highschool...I was quite ashamed of the place because of how much I was getting bullied. I was confused and didn't understand the big problem behind living on a mission.
"I was at that stage where I was trying to understand why people were talking down to the place back then, and they still are today."
In her writing for the publication 'Wellington', Melle West has raised issues of drugs and alcohol amongst local youth.
"It's a cycle that needs to be broken and I think it can only be done through education.
"I really believe in inspiring and motivating youth to want to create goals for themselves to achieve because they have the ability to do it and unfortunately with some, they don't have that motivation and that drive to want to do it."
"There needs to be some type of activity or program that will inspire the youth of this community to help them find their passions, what they're good and at set little goals for themselves to achieve."
Melle credits one of her teachers at high school as having helped her realise her own potential, a 'leadership skill', that's brought her back to Nanima to work with her community and start planning for its future.
"All a student or youth needs is someone to motivate them."
"I think that's all it takes, someone to realise what potential there is in the youth of this community."
Hear Melle West discuss her ideas for the local community and its future and local council's approach to what lies ahead for Nanima Village.
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After watching an episode of Agony Aunts, in which they discussed the importance of chivalry towards a woman, I came to the realization that chivalry can work for both sexes. Chivalry shouldn't only be reserved for the women of the world. Men deserve to be treated like royalty as much as women do, and it's time somebody said something. Men put in a lot of work trying to attract the opposite sex, so It's appreciated when it comes back the other way. If you're looking to hold on to the man you have now, or wanting to catch the attention of one, then follow these tips for being a chivalrous woman.
From mindlessly phone scrolling when you're bored, to sending that quick text, giving your partner the attention they deserve can mean the most. Put the phone down. This goes for both people involved and isn't so much chivalrous, but rather something both parties involved need to do more of. A chivalrous woman doesn't have to be any different from a chivalrous man.
We Like Doors, Too
Although it's more of a dated concept now, it is considered a chivalrous act when a man opens the car door for his date. Regular doors that we use everyday are opened by both sexes for both sexes, and this is the case in all of our society. But one thing that I've always found strange is the fact that it's always men that open up car doors for women. But what if she is driving? Honestly, this would come as a pleasant surprise if it were to happen to me. A chivalrous woman is a brave woman. I don't think that this has been done before so you might get some looks at first, but I think this type of chivalry shouldn't only be reserved for men.
Coats On Coats On Coats
It doesn't matter who puts who's coat on first, or who helps the other out of one, but I sometimes struggle with it. It is monumentally easier to slip in and out of a coat when someone else is helping slide your arms through. We're just people helping other people after all, there's no reason why a chivalrous woman wouldn't be appreciated here. Helping with their coat is just one minor thing that sets the tone for the evening; that you care enough about the person to help them along with little inconveniences. And, after all, It's the little things that count.
It Pays To Pay
This one can be tricky. Guys have long been expected to pay for the first date. Not paying for the first date as a guy can make you come across as cheap, and that could end things right then and there in her mind. What is equally awful, though, is giving the impression that you'll pay for everything, or that maybe she is unable to pay for things on her own. You could try and split the bill on the first date, but that might come across as being "just friends." The best way to go about remedying this confusing tradition is to go ahead and pay for the first date. Everybody likes a free meal. If the date goes well then hopefully there will be a second, and at that point in time it should be her turn to pay. Having the guy pay for the first date is so ingrained in our culture and society that it's going to be hard to get past this, but setting the tone that you'll pay the first time and she pays for the second and so on will put you both on equal footing.
A Compliment For You And A Compliment For Me
It's considered chivalrous to greet a woman with a complement, but this act is now a rare phenomenon in this day and age. Compliments are always appreciated and guys like to be called pretty, too, believe it or not. The old rule was that a man should always compliment his companion when greeting her. I think this is a wonderful notion that should be brought back into the fray of our culture. Not only that, but I think women should do it too. Everybody should. It's always nice to be complimented. Much like receiving a gift, it is also nice to give a gift.
It's Time To Be On-Time
A chivalrous man is always on time, and I think a chivalrous woman should be too. Nobody wants to be left waiting for what could be a fun night out. Not only is it chivalrous to leave when your date arrives, it's common courtesy. Being punctual on your date sends the message that you're prepared and ready to have a fun evening together, it also lets your date know that they expect the same from you. Punctuality shows your respect for the individual, and that respect can go a long way for both a chivalrous woman and man.


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Virtual Reality (VR) is gaining more steam. According to Digi-Capital, as reported by The Motley Fool, the virtual reality market could reach $30 billion within 4 years...that's amazing! Sales are expected to come from videos, games, and VR headsets. To make VR affordable, Google created Google Cardboard, which is a … [Read more...]
Virtual Reality for Kids
3 Unique USB Chargers to Power Your Devices
There is a lot of innovation in technology these days. It never ceases to amaze me what innovators dream up next. You wouldn't think there is much that can be done with USB chargers that doesn't already exist...but there is! We recently tested three very creative USB chargers whose companies are thinking outside of the box … [Read more...]
The New Face of the Samsung Smartwatch
We are big Samsung Gear Watch fans. We had the original Samsung Gear Watch back in 2013. The Samsung Gear Smartwatch has changed over the years, it has gotten smaller and more stylish. It is also the reason why I started wearing a watch again. Is all the fun technology worth wearing a watch again? In our … [Read more...]


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Release Date: 2006
R|1 hr 31 min
Plot Summary
After the mysterious demise of a client, private detective Donald Strachey (Chad Allen) infiltrates a therapy group for gay people who want to become straight. He takes on the group's founder (Michael Woods) to prove that his client's death was not a suicide.
Cast: Chad Allen, Morgan Fairchild, Sebastian Spence, Michael Woods, Daryl Shuttleworth, Anne Marie DeLuise, Rikki Gagne, Stephen Huszar
Director: Ron Oliver
Genres: Mystery, Crime drama
Production Co: Shavick/Insight Studios


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This post is part of the Pride & Paradev series.
What language should you use for your automated acceptance tests?
- Use the programmer's language for your automated acceptance tests
- Let the testers choose a language for your automated acceptance tests
Use the programmer's language for your automated acceptance tests
Automated acceptance tests shouldn't be developed in isolation, so having these written in the same language as your application (usually C# or Java) will ensure that the programmers are fully engaged and will maximize the liklihood of having these tests maintained alongside your application code.
Even if the software testers are responsible for writing and maintaining the automated acceptance tests, having them in the same language the programmers use will mean that the programmers can provide support for any issues the testers have, and are more likely to collaborate with the testers on these. The testers also pick up knowledge of the language used for the core application which means they are more likely to be able to fix bugs that they find.
Strongly typed languages, like C# or Java, may at first seem daunting to software testers, because they're more verbose than dynamic languages, but they are actually surprisingly easy to learn due to the excellent support provided by IDEs such as Visual Studio or IntelliJ.
Let the testers choose a language for your automated acceptance tests
If your software testers are responsible for writing and maintaining your automated acceptance tests then it makes sense to allow the testers to write these in whatever language they choose.
Dynamic scripting languages like Ruby and Python are particularly popular with testers as they are lightweight to install and easy to learn with an interactive prompt such as IRB.
The benefit of a tester choosing a dynamic language like Ruby is that there are no licensing costs (unlike C# which requires Microsoft Visual Studio) and that means all testers have unconstrained access to these, as well as an unlimited number of build agents to run these tests as part of continuous integration.
As testers develop their skills in these languages they can quickly create throwaway scripts to perform repetitive setup tasks required for their story or exploratory testing: such as creating multiple records or rebuilding a database.


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Party Central
How to Train Your Dragon 2 Inspired Boy's Birthday Party
An inspired How to Train Your Dragon 2 boys birthday party makes perfect sense as a theme choice, especially after seeing the movie premiere with your talented graphic designer and party stylist mom! Zoila Lopez, of Squared Party Printables, and her five-year-old son, fell in love with the characters Hiccup and Toothless. Soon after, a creative party plan was underway. Wanting to keep the party atmosphere as authentic as possible, Zoila focused on the textures and natural elements seen in the movie. Youll love how she incorporated burlap, rocks, wood and moss into the party decorations. The invitations and paper products she designed have a worn paper look, with hand drawn details inspired by Hiccups journal. Just wait until you see how Zoila styled the dessert table to bring in these same creative elements!
See Also
- Add a dragon castle cake to your party to please the Vikings!
- Channel your inner knight with these boys knights and dragons birthday party ideas.
There are so many amazing ideas in this How to Train Your Dragon 2 party! A beautiful scenic backdrop provided a wonderful setting for the dragon themed dessert table. Wooden crates and metal dessert stands elevated awesome refreshments. Zoila embellished a simple supermarket bakery cake with chocolate rocks, a Toothless toy and topped it with a custom Viking candle (Glitter Wishes by Kara).
Drop down a tier from the cake and youll discover crazy cool cupcakes dressed in wrappers made from real wood (WoodziiProducts). The detail work on the amazing fondant Viking helmets and shields by Like Butter is not to be missedlove those horns!
Custom sugar cookies, by Sugar Cravings, were impressively displayed on a bed of edible rocks. Each cookie was enhanced with details that dragon fans would love.
Lollipops that looked like dragon eyes were designed by Vintage Confections. Dont they look strikingly real? I love how even the moss covered trunk that held them looks like it is covered with reptile hide!
Metal buckets were filled with jelly bean and chocolate rocks while mini woven baskets were filled with fish food (Swedish fish) for feeding dragons.
Yellow rock candyaka Hiccups dragon bladesadded a great splash of color. Zoilas inclusion of wood slabs, rocks and moss with her refreshments really achieved the natural look she was going for.
The venue Zoila chose was perfect for an action packed party. Held at a local rec center, junior Vikings could roam free in a portion of the ballroom as well as on the private patio. Guests were invited to choose a Viking helmet and then have war paint applied. Getting into costume is a big deal that adds extra thrill to an already awesome party. After guests were properly outfitted, each chose an inflatable dragon and headed to the patio for dragon training. Can you imagine their excitement?!
Running around training works up quite the appetite, and it wasnt long before it was time to refuel with snacks, drinks and treats. The kids dined at tables Zoila styled with burlap runners and repurposed treasure map fabric. Centerpieces were a simple DIY made from wood slabs spiffed with rocks, moss and rubber dragons. Budget savvy Zoila reused great crates and treasure boxes from a previous party. Place settings consisted of metal plates, goblets and wooden forks.
Most impressive, each plate was topped with an incredible dragon egg party favor. Can you believe Zoila made them from foam eggs, thumbtacks and paint? They looked amazing in clear container boxes, nestled in natural colored shred. Printable tags cautioned little Vikings to take good care of their eggs because baby dragons were inside!
What an impressive and imaginative take on a popular movie; I bet no one wanted the party to end!
Are you planning a boys birthday party? Take a peek at these perfect boys birthday party supplies selected by the Spaceships and Laser Beams crew:
- How to Train Your Dragon 2 – Party Hats 8 Ct
- How to Train Your Dragon – Hiccup & Friends Cupcake Rings – 24 pcs
- How to Train Your Dragon 2 "Happy Birthday Dragon Rider" Banner 5.75 Ft
- How to Train Your Dragon 2 – Room Transformation Kit
- How to Train Your Dragon Set of 12 Figure Cake Toppers
- Black Dragon Pinata
- How to Train Your Dragon 2 – Party Invitations & Thank You Notes Combo
- How to Train Your Dragon 2 Party Supplies Pack Including Plates, Napkins and Tablecover – 16 Guests
- How to Train Your Dragon Aluminum Bottle
- How To Train Your Dragon Plush Set
- How to Train Your Dragon Favor Pack (For 8 Guests)
- How to Train Your Dragon 2 – Stadium Cups 4 Ct
- How to Train Your Dragon Favor Bags (8 Pack)
- Hiccup – Official How to Train Your Dragon 2 Face Mask
- Inflatable 30-Inch Dragon
- Toothless Night Fury Action Figure (Sitting)
- Paper Party Straws | 50 Ct (Lime Green)
- Baking Cups Electric Green Circle
- How To Train Your Dragon 2 Birthday Party Balloon Decoration
Be sure to check out more boys birthday party ideas here:
Plus, check out 20 How to Train Your Dragon Party Supplies…


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The Cleveland Indians released Daisuke Matsuzaka on Sunday night in order to avoid paying his $100,000 retention bonus which is due on Tuesday of this week. Over the past week, following an injury that set back his progression in spring training Matsuzaka had accepted an assignment by the Indians to triple-a. The agreement appeared to serve both sides amicably as Matsuzaka was clearly not in the shape necessary to return to a big-league rotation and the Indians are gathering as much rotation depth as possible in triple-a for when the inevitable injury or Ubaldo Jimenez collapse occurs.
The release appears to have been solely to avoid the roster bonus while the Indians renegotiate Matsuzaka's contract, obviously various incentives will have to be altered in order for it to reflect the current position each party is in. In all likely hood, the new renegotiated deal will probably just shift back the roster date. For instance adding a $100,000 dollar roster bonus for him if he is with the big league club on May 1st.
The other piece which will be adapted will be an opt-out date which could have release options for both parties. I would expect the opt-out date to be June 1. Thus if Matsuzaka is not added to the roster by June 1 he would have the right to nullify his contract and become an unrestricted free agent. This sort of deal absolutely makes sense as he could be the first or second option called upon if a starter like Jimenez falters or one of the other rotation staples suffers an injury. Furthermore on the Indians side it would allow them to keep both Carlos Carrasco and Trevor Bauer in triple-a if the big league club needs a spot-start. Therefore they can avoid wasting an option on either of these two up and coming starters.
If the Indians can work out a deal which fulfills the aforementioned details then this release was just a necessary bump in the road to maintaining rotation depth.
Follow Mike Hattery @MichaelHattery


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June 6, 2013
I'm from India, on a short-term assignment in Düsseldorf. I work as a software consultant. Besides travelling and photography, I like to meet new people and discuss their cultures.
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House MANNIX
Crystal Radio Show # 22 December 2015 98.3 Superfly2:00:13449 43 5 Social EmbedAddReshare to Download Downloadto Set to Group to Playlist2:00:13
Hour 1:
Billy Paul-Me & Mrs Jones (Original Album Version)
Carol Williams-Just Feel
Loleatta Holloway-What Now
MFSB-My Mood
First Choice-I love you more than before
Karen Young-Beau
Isaac Hayes-A Few More Kisses To Go (12" Long Version)
Melba Moore-There's No Other Like You
Phreek-May My Love Be With You
Love Unlimited-It May Be Winter Outside (But In My Heart It's Spring)
The Salsoul Orchestra ft Jocelyn Brown-You're All I Want For Christmas (Frico Edit)
DJ WaX Special X-Mas Medley
Hour 2:
Roisin Murphy-House Of Glass (Maurice Fulton Remix)
Roman Rai & Sonority-Eliah (Luke Nova Motion Remix)
Joey Negro & The Sunburst Band-Here Comes The Sunburst Band (Fouk Remix)
Cerrone-2nd Chance (Extended Club Mix)
Kimara Lovelace-Only You (KlevaKeys Remix)
Seascape Ft. Renn Washington-Rain (Phil Asher MPC Mix)
Smokin Beats-Dreams (Tough Love Extended Mix)
Dario D'Attis, David Aurel-Jack
Dj Vivona-Drink In My Cup (Dark Mix)
The Fog-Been A Long Time (Rhythm Masters Main Mix)
DJ Tchok-My Love Is Free (Craig Hamilton Remix)
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Eileen L. Ewing BRACKNEY
06-09-1919 03-02-2009
Eileen L. Ewing Brackney, 89, WaKeeney, died Monday, March 2, 2009, at Trego County-Lemke Memorial Hospital, WaKeeney. She was born June 9, 1919, in rural Gove County to Richard and Martha (Custer) Ikenberry. She was a graduate of Quinter High School and attended Brown Mackie College, Salina. She married Roger Ewing. She later married Cecil "Pete" Brackney on July 29, 1978, in WaKeeney. He preceded her in death May 10, 1997. She was a homemaker.
Survivors include a daughter, Judith Fabrizius; a step-son, Clark Brackney; a grandchild; five step-grandchildren; and two great-grandchildren.
She was preceded in death by a granddaughter; a step-son, Charles Brackney; and a step-daughter, Charlene Boone.
Services will be at 2 p.m. Friday at Presbyterian Church, WaKeeney; burial in Baker Township Cemetery, Quinter.


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Mobile Number Tracker Software Free Download For Pc – Website List
Mobile Number Tracking is now become popular these days. Track down a mobile number sometime be useful for example to keep an eye on your children where he go. There are some software provided for free to download for pc and some are paid. so today i share some of website that provide free service… Read More »


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2 Raw Milk Webinars: Tonight & 10/21
WEBINAR: Real Facts on Marketing and Selling Raw Milk in VTThursday, October 14th 7-8 pm To log in, go to http://tinyurl.com/UVMEXT-RawMilkWebinar at about 6:45 pm Eastern time on October 14, 2010. Shelby Girard of Rural Vermont will outline the options and legal requirements established under the 2009 Raw Milk Law, focused on Tier 1 sales of up to 50 quarts of milk per day. Topics covered will include animal health and milk handling requirements; bottling and labeling requirement; and customer relations and recordkeeping. John and Rocio Clark of Applecheek Farm will offer their perspective as farmers selling raw milk in compliance with the law, and Vermont Agency of Agriculture Dairy and Energy Chief Dan Scruton will be available for questions. A comprehensive raw milk seller's guide created by Rural Vermont is available for download prior to the webinar at www.ruralvermont.org and www.uvm.edu/newfarmer. Moderated by Jenn Colby of the UVM Center for Sustainable Agriculture's Pasture Program and presented as part of the UVM Extension New Farmer Project's webinar series.
WEBINAR: Best Management Practices for Raw Milk Handling Thursday, October 21, 7-8 pm To participate, please go to http://tinyurl.com/RawMilkHandlingVT at about 6:45 pm Eastern time on October 21, 2010. Direct marketing unpasteurized milk to consumers brings both opportunity and liability to farm businesses. VT Agency of Agriculture Dairy & Energy Chief Dan Scruton will describe proper milk testing and sanitation procedures to maximize milk quality and safety for farmers producing and selling raw milk under the 2009 Raw Milk Law. Resources about milk quality and a farm insurance liability checklist from Co-Operative Insurance will also be available to help you protect the health of your farm. Moderated by Jenn Colby of the UVM Center for Sustainable Agriculture's Pasture Program and presented as part of the UVM Extension New Farmer Project's webinar series. More information available at www.uvm.edu/newfarmer.
Newcomers to online learning are welcome. All you need to participate is internet access and a computer that you can hear sound through. For more information, contact firstname.lastname@example.com or call 802-223-2389x203. If you require accommodations to participate in this program, please let Mary Peabody know by October 10 at 802-223-2389 or 1-866-860-1382 (toll-free in Vt.) or firstname.lastname@example.com so we may assist you.
If you have not participated in a webinar before, we recommend you download the necessary software for free the day before the webinar is scheduled at http://www.elluminate.com/support/index.jsp


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partypoker Affiliate program
Currently partypoker has 2 affiliate programs on Online Affiliate World:
1) 30% Revenue share deal
2) Hybrid $75 CPA + 20% revenue share deal
If you sign the partypoker revenue share affiliate deal, you're eligible to earn 30% on the rake your players pay while playing poker, and you will also earn when they place wagers at partycasino.
The new partypoker hybrid deal applies to all countries not on the Restricted List at partypoker. For every player you bring you will earn $75 CPA as well as 20% revenue share. Players are required to collect $25 in accumulative deposits and collect 150 points on poker. With partypoker's hybrid deal you will also earn 20% revenue share from partycasino.
If you haven't already signed up you can do it here, by filling up few details:
By clicking 'Get Started' you agree to our Terms of Service.
partypoker Bonus
partypoker offers a 100% up to $500 Welcome Bonus to all players referred by Online Affiliate World publishers. The Welcome bonus only applies to the first deposit and will be released in 10 chunks as the player collects points at partypoker tables.
Each $1 of the deposit bonus requires 8 partypoker points which you earn at a rate of 2 for $1 paid in rake and tournament fees. The Welcome bonus is valid for 120 days.
About partypoker
Partypoker helped shape the whole online gambling market and at one point was the world's largest online poker brand. The company is always in search of ways to improve their software and increase their market base.
Why Choose Partypoker?
Since late 2013, partypoker has moved in the direction of launching a 'social' poker platform that will draw and keep new and casual players at the tables.
That alone is a very strong reason to choose partypoker as your online poker affiliate. With the attraction of a social atmosphere, new and recreational players will be drawn to sign up at partypoker - and that is one of the key features you can promote to new players when you sign the partypoker affiliate deal.
You can rely on partypoker to add that special touch you want to offer your potential players through excellent customer service, innovative and cutting edge software, and continually updating promotions throughout the year.