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Charlotte County residential sales totals
Sold: 505 down 7.51% YOY Median Price: $231,000 up 8.2 % YOY
Median days on market: 54
Punta Gorda Real Estate Sales:
- 131 Single Family Homes
- 37 Multi-Family
- 10 Gulf Access Vacant Lots
Port Charlotte Real Estate Sales:
- 208 Single Family Homes
- 14 Multi-Family
- 22 Gulf Access Vacant Lots
Cape Coral Real Estate Sales:
- 490 Single Family Homes
- 50 Multi-Family
- 51 Gulf Access Vacant Lots
Lee County: Waiting for information
- 1241 Single-family homes sales
- Median Price $268,450
- Absorption Rate: 3.6 months
- Median Days on market: 78 days
The above information is from my monthly newsletter. The newsletter is not something your momma is going to be interested in! It is packed with numbers-not recipes and information about what is happening with residential and commercial real estate. Want to know more? Sign up for my monthly newsletter and all of the information will be delivered directly to your inbox


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Fun in the sun and beating the heat often means playing in water – for both humans and their dogs. Whether it be you own pool, the ocean, or lake you'll want to remind yourself of steps you can take to ensure it's a fun – safe – and rewarding experience for all.
As an inquisitive canine who understands playing it safe around bodies of water, I thought it'd be a good time to send out a few reminders for other pooches and their parents about water safety:
- If your dog is intending to go for a swim, make sure he or she knows how. Not all dogs can, especially the brachycephalic (short-snout) breeds. Continue Reading "Water Safety Tips to Help Make a Splash in Your Dog's Life"

subset: commoncrawl


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The world's largest Adidas Originals location will open its doors in Chicago soon. To celebrate the new store, the brand is releasing limited pairs of an Adidas EQT Support ADV designed after its Wicker Park location.
The sneaker, also inspired in part by Chicago's train system, launches at the store opening on Oct. 5. Only 350 pairs were made, 300 of which will be sold through the Confirmed app for $150, with the other 50 gifted to friends and family. Reservations for the sneakers will be available on Confirmed starting on Sept. 29.
The shoe's tongue references Wicker Park's most famous cross streets, while its colorway nods to the Chicago flag.


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Hello & Welcome To Focus on Gardens
Where my world of Plants, Garden Design and Soil Knowledge will help you achieve your gardening goals
To start – I have a few questions for you to ask yourself:
- Do you keep replacing plants in that same garden spot?
- Are your plants stunted in your garden?
- Do you want to know how get a productive edible garden?
- Do you have a new garden area OR do you just want to revamp an old area but just do not know where to start?
- Does your school have a productive garden for your students?
If your answer to these questions is a yes, perhaps it is time for a little help?
I will be able to help you :
- Improve your garden soil so that your plants will grow
- Select the most suitable plant for that 'right' spot in your garden
- Learn how to get the microbes in your compost and soil working for you!
- Inspire a love of growing vegetables to your children at home or at your school
- Get the best from your home grown produce
- Learn about organic pest control, companion planting and getting the best soil for your plants
- And much more……
Have a look at my Services page to select which option will suit your requirements
A recent client writes …
We have been so impressed with Yve's enthusiasm, knowledge and commitment that we have used her services for our farm and home many times. She has approached our projects scientifically and discussed options and alternatives so that the end results have been very successful. Projects have included Koala friendly thoroughfares, cattle shade trees and gardens surrounding our home. Her follow up service has been superb.
Peter and Virginia Lewis.


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< Back
Area using informal units
- Grade: Grade 2
Activity type: Interactive Activity
To save results or sets tasks for your students you need to be logged in. Studyladder is free to join Join Now, Free
Area using informal units
- Course
- Grade
Grade 2
- Section
- Outcome
Comparing area using informal units.
- Activity Type
Interactive Activity
- Activity ID


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Lexington, Ky. – US Equestrian has announced the nomination of the following athlete-and-horse combinations to the U.S. Dressage Team and Alternate for the Lima 2019 Pan American Games.
―Courtesy of US Equestrian
The following athlete-and-horse combinations will compose the U.S. Team (in alphabetical order):
Nora Batchelder (Williston, Fla.) and Faro SQF, the 11-year-old Hanoverian gelding she owns with Andrea Whitcomb
Jennifer Baumert (Wellington, Fla.) and Handsome, Betsy Juliano LLC's 14-year-old Hanoverian gelding
Sarah Lockman (Wildomar, Calif.) and First Apple, Gerry Ibanez's nine-year-old KWPN stallion
Endel Ots (Wellington, Fla.) and Lucky Strike, Max Ots's nine-year-old Hanoverian gelding
The following athlete-and-horse combination has been named as the Alternate to the U.S. Team:
Nick Wagman (San Diego, Calif.) and Don John, Beverly Gepfer's 11-year-old Dutch Warmblood gelding
Lexington, Ky. –US Equestrian regrets to announce that Endel Ots (Wellington, Fla.) and Lucky Strike will not travel to compete in the Lima 2019 Pan American Games. Lucky Strike, the nine-year-old Hanoverian gelding owned by Max Ots, sustained injuries during the team transport to Miami, from where the horses were to fly today. Following the veterinary assessment, the decision was made that Lucky Strike should not travel on to Lima. The timeline of this turn of events makes it impossible to substitute a replacement athlete-horse combination. As a result, the U.S. Dressage Team will compete as a three-member team.
Final U.S. Dressage Team, Lima 2019
"Lucky had an unfortunate accident while in transit to the airport. It is expected he is going to make a full recovery, but we have decided that it is not in his best interest to travel to Lima at this time," stated Ots. "Obviously, I am devastated. It was a goal of mine to compete Lucky at the Pan American Games, but my horse's health is more important, and I know the team understands. They are a strong group, and I plan on making it to Lima later in the week to support them."
It is expected the injuries will not have a long-term impact on Lucky Strike's health and soundness. He remains at the vet clinic at this time. Ots and his team have demonstrated complete commitment to the U.S. Dressage Team and its success at the Pan American Games. US Equestrian looks forward to welcoming Ots and Lucky Strike on a possible future U.S. Dressage Team.
Follow The Show:
The dressage competition will take place July 28, 29, and 31 at the Equestrian Club Militar La Molina. The 18th edition of the Pan American Games will gather around 6,700 athletes, who will participate in 39 sports and 61 disciplines, of which 22 disciplines are qualifying for the Tokyo 2020 Olympic Games. The U.S. Dressage Team secured qualification for Tokyo as a result of winning team silver at the FEI World Equestrian Games™ Tryon 2018.
View more information about the Lima 2019 Pan American Games.
Follow USA Dressage on Facebook and US Equestrian on Facebook, Twitter, and Instagram for updates. Use #USADressage and #Lima2019.


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This transformational experience in India is facilitated by Asha and Russill Paul, who grew up there but have lived for the greater part of their lives in America, the last 30 years. They bring decades of spiritual and professional expertise together with a solid reputation that uniquely empowers them to lovingly facilitate a profound metamorphosis of your total self.
Russill is widely known and respected for his profound understanding of India's cultural and yogic traditions, his sophisticated spiritual musicianship, and his knowledge and expertise of Sanskrit mantra, all of which he brings together to provide you, the participant on this journey, with the most comprehensive experience of India's sacredness that you will ever encounter. It is this unique gift that moves participants to repeatedly return with him to India for the renewal of their transformative experience.
Click here to learn more about Russill …
He met Asha, his wife of 30 years, while living as a monk in India. Falling in love with her drew him out of the monastery and into the world. This movement into the world served to deepen and expand his spiritual ministry that culminates each year in this transformative pilgrimage.
Asha is passionate about health and well being and brings her extensive knowledge of holistic health and meditation to the the pilgrimage. Her careful attention to the menu each day and to the safety of the food has kept those traveling on this pilgrimage in good health that completes in a renewed physical body energized by all of the spiritual experiences towards the end of the trip. She is a certified Integrative Nutrition Health Coach and author.
Continuing to handle the complex planning and logistics of Russill international workshops, seminars and conferences for 30 years, she brings her consummate organizational skills to planning and executing the innumerable details for this pilgrimage so that all of the transitions and logistics go smoothly. Despite her many organizational responsibilities throughout the pilgrimage, her top priority is to lovingly nurture and care for each pilgrim not only during the pilgrimage but from the time they register, making sure that they have all of the personal support they need. Her guided meditations enhance our retreats.
Due to their extensive knowledge and experience of India and her spirituality, and because of living most of their adult lives in America (the last 30 years), Russill and Asha are uniquely capable of facilitating this experience on multiple levels as evident from the testimonials. Many pilgrims return not just a second time, but a third, fourth, fifth and a sixth time, which they gratefully accept as the most powerful endorsement for what they offer.
Asha specializes in weight management. Almost every single one of our pilgrims loses weight on our pilgrimages, despite the fantastic and tasty food eaten.


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Just released from a private collection
Previous long term ownership by famous NBA player David Gambee (over 40 years)
Incredible condition
Only 69,313 miles!
Rare and Desirable 1958 XK150 Fixed Head Coupe
One of only 3,092 built with left-hand drive
Numbers matching XK engine
Stunning factory color combination
Chrome wire wheels
Nardi wood rimmed steering wheel
Lucas fog lights
Excellent documentation includes owner's manual, tool kit, previous registrations, nearly 40 years' worth of service invoices, 1979 issue of E Jag Magazine, Jaguar Heritage Certificate and more!
$5,600 service performed less than 1,000 miles ago
Performs wonderfully
The perfect example to drive and enjoy or the ideal candidate to take to the next level
A dream for the Jaguar collector or enthusiast
The magnificent 1958 Jaguar XK150 Fixed Head Coupe featured here is finished in the stunning factory color combination of Pearl Grey over a red leather interior. The accompanying Jaguar Heritage Certificate documents that this Fixed Head Coupe was completed by the Coventry Works on March 15th 1958 and was later dispatched to Jaguar Cars in New York on Apri 16th 1958. In 1970, this example was purchased by NBA star David Gambee, who was the 6th first round draft pick of the 1958 NBA draft. The 6'6" Forward was later part of the 1967 NBA Championship Philadelphia 76ers. Mr. Gambee meticulously maintained his prized Jaguar for 43 years at his home in Oregon, passing it on to its third owner in 2013. Today, it presents well, having previously been subject to some high quality restorative work, though a fair amount of originality is evident upon close inspection. Only 69,313 miles are present on the odometer; a number which corresponds to the accompanying service records that date back to 1977. Ready to make an investment you can actually enjoy? Classic cars have proven to be among the most resilient and rewarding investments in recent years with the Historic Automobile Group Index (HAGI) jumping 39% in 2013, 16% in 2014 and 17% in 2015 while posting gains of 467% over the last 10 years. Please contact one of our expert sales consultants at (314)291-7000 or [email protected] for more information. They will be happy to give you a complete walk-around, supply you with a more detailed description, and answer any questions you may have. Buy with confidence.
History of the Jaguar XK150
The XK150 was introduced in 1957 as the replacement for the XK140. As such, the new model bore a strong resemblance to the previous 140 and earlier 120 models. However, the XK150 was fitted with several stylistic upgrades including a one piece windshield, an evolved bonnet treatment and a more streamlined style treatment on the doors. The Fixed Head Coupe models were fitted with a front windscreen frame that was pushed forward four inches, thus improving entry and exit for both the driver and passenger. On the interior, the wood dash that was normally fitted on the previous models was now wrapped in leather. Thinner doors also created a more spacious interior. The 3.4 litre XK engine was initially utilized which included an improved cylinder head that resulted in 190 horsepower and a top speed that pushed 150mph. Today the performance and comfort of the XK150 has made them a very desirable car for vintage rally events by both collectors and enthusiasts.
Trades welcome! Financing available. Please visit www.schmitt.com to view our full inventory.
*Please note that this vehicle is titled off of its engine number.


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TRAVIS COUNTY – Whisper Valley, a large master-planned community under development near Manor, is tapping alternative, sustainable energy sources—including geothermal energy—for all its heat and air conditioning needs.
Homes in the community will be equipped with Bosch geothermal pumps for heating and cooling, roof-mounted solar panels, energy-efficient Bosch appliances, and other green-building technologies.
The 2,062-acre community will have single-family, multifamily, and commercial properties with a build-out value of $2 billion, according to the project's developer Taurus of Texas.
Our twice-weekly e-newsletter provides a quick overview of Texas real estate markets. Because your time is valuable.


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During our Gymnastics training, we focus on these learning objectives:
• Basic strength – development for disadvantaged
leverage and basic prowess in gymnastics movements.
• Parallette work – handstands, L-sits, stretching,
handstand push-ups, range-of-motion.
• Rings variations – core-training exercises, support work,
proper hand placement, L-sits, muscle-ups and muscle-up drills,
kips, handstands and conditioning.
• Bar variations – handstands, back levers, skin-the-cats, L-sit pull-up variations,
stretching, kipping swings.
• Handstand variations – handstand push-ups, handstand forward rolls,
balance work, presses to handstands, L-sits to handstands,
planches and progressions.


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- 1 Apply for Navik (Domestic Branch) job in Indian Coast Guard:
- 2 Indian Coast Guard Navik (Domestic Branch) Recruitment:
- 3 Information about Indian Coast Guard Navik (Domestic Branch) recruitment information:
- 4 How to apply for the recruitment of Navik (Domestic Branch) of Indian Armed Force?
- 5 Some Tips for Navik (Domestic Branch) Recruitment in Indian Armed Force:
- 6 Get a free job alert from India Exam Result email subscription.
Company Name: Indian Coast Guard (Indian Armed Force)
Name of the Post: Navik (Domestic Branch)
Number of Vacancies: Not Specified
Eligibility: 10th Class with 50% marks
Job Location: India
Indian Coast Guard has issued notification of recruitment of Indian Coast Guard Navik (Domestic Branch). If you want to get the job of Navik (Domestic Branch) in the Indian Armed Force, then you must submit the form before 10 June 2019.
This year, the Indian Armed Force has announced interview for the recruitment of Not Specified posts. All the required details are available at IndiaExamResult.in. If you want one of these Not Specified posts, then it is very important to apply for the post of Navik (Domestic Branch) before 10 June 2019.
So let's have a look, what is the notification from Indian Armed Force for the post of Navik (Domestic Branch)?
|Vacancy Name:
|Navik (Domestic Branch)
|Total Vacancies:
|Not Specified Posts
|Educational Qualification:
|10th Class with 50% marks
|Age Limit:
|18 to 22 Years
|Pay / Grade Pay:
|₹ 21,700/-
|Fresher & Experience
|Job Location:
|Last date for Application:
|10 June 2019
So, friends, this is the official notification of Navik (Domestic Branch)'s job given by Indian Armed Force. If your age is 18 to 22 Years and you have completed your 10th Class with 50% marks. It means you fulfill the criteria for the Navik (Domestic Branch)'s job. So, you can apply without any hesitation.
Firstly, you must have a detailed idea of the post of Navik (Domestic Branch), before applying for the job.
|Notification of Navik (Domestic Branch) in Indian Armed Force
|Notification of Indian Armed Force Navik (Domestic Branch)
|Indian Armed Force Navik (Domestic Branch) Job Online Application
|Apply Now
|Indian Armed Force Recruitment:
|Indian Armed Force Recruitment
|Official website of the Indian Coast Guard
If you have tried for this job previously but didn't succeed. It means you are missing something. In conclusion, So it didn't mean that you are not capable of this job.
This happens to many people, who do not get jobs at the post of Navik (Domestic Branch), even after doing 10th Class with 50% marks. It is because they ignore some minor things. Which are very important for the job of Navik (Domestic Branch).
But, you do not need to worry about it. Because we will not let this happen to you. Now, here will help you with some important tips, So it will help you to get this job without difficulty.
- If you got information that the Indian Armed Force is taking an examination for the job of a Navik (Domestic Branch). Firstly, go through the current syllabus of the exam.
- Meanwhile, you will get a good idea about the syllabus of Navik (Domestic Branch) Job exam. So, you must have to take care of every topic of that syllabus.
- After that, along with the syllabus take a look at previous papers. Such as How the question asked by the Indian Armed Force in the last year's paper of the Indian Armed Force.
- In conclusion, By solving those same questions, again and again, you will do well with your final exam.
- Even after that, by solving last year's exam paper. Hence We strongly suggest you practice last 5 years exam papers of Indian Armed Force.
Get a free job alert from India Exam Result email subscription.
If you wish to get the job of a Navik (Domestic Branch) at the Indian Armed Force. For that, you must practice old paper of exam as per our Employment News and official website. This Rojgar Samachar will also help you to get selected for the Indian Armed Force Navik (Domestic Branch) Job.
Besides, we also provide free job alert to our members in which every day you will get new government job alerts. So. If you have not yet become a member, you will miss our updates of Indian Armed Force job also. Because we are providing lifetime free membership to become a member of our Employment News.
Firstly you just need to go to the subscription option of our site and simply enter your email ID to receive Navik (Domestic Branch) Job Vacancies alerts. If you wish to become a member, you can subscribe to us by simply using your email ID.
In conclusion, whenever we publish the new vacancy information on our website, you will get a free job alert.


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It's Friday, so what are you waiting for? Get the weekend started right now!
All hail the queen. Out bisexual actress Briana Venskus (Supergirl, Walking Dead) was crowned Queen of the 72nd Azalea Festival in North Carolina. She is the first openly queer woman to wear the crown.
There's nothing cheesy about these lesbian "
Lesbians mayors are taking over America! (Well, not really, but a couple just won elections) Big congrats to mayor-elects Lori Lightfoot of Chicago, Illinois and Satya Rhodes-Conway of Madison, Wisconsin. Both women won elections this week. Jolie Justus, also openly gay, won her primary this week in St. Louis, Missouri and heads to the June general election.
Openly gay surfer Keala Kennelly wins Women's Big Wave World Title. The championship surfer was awarded the major honor for her incredible performances in 2018. She gave an impassioned speech about coming out and living life authentically. You can read the speech above.
"Alleged Lesbian Activities" tries to bring a piece of lesbian night-life back to Boston. As many cities have, Boston has lost its lesbian and queer-centric spaces in the last few years. A performance/multi-media theatre piece, Last Call, was originally started in New Orleans in response to losing their last lesbian bar. Boston theatre company, The Theater Offensive, has teamed up with


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One of our customers, obviously much more intelligent than us, suggested that we should list a Gift Box so that people could put together what ever they wanted as a gift. What a good idea we thought, so here it is - an empty box!
If you add this box to your order, we will select the size to suit, pack your items carefully within in black paper shred, wrap it with our ribbon and include a gift card if selected.
Please dont ask us to put too much in as they are only so big and they cant fit a side of smoked salmon!
A very smart black gift box with a magnetic seal. This means that it can be accessed, items refrigerated and re-assembled at a later date if need be. It will be presented with Caspian Caviar Gift Tape, just like all our other gift sets.
Our credit/debit card payment system, including security, is provided by Secure Trading, one of the world's largest providers of such services. We do not hold any customer credit card details.
If you would rather pay over the phone, or via BACS, please do just give us a ring on 0845 606 8868.


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Click on the link to view our Summer Fair Poster
Archive | May, 2017
Committee News – May 2017
By ah on May 11, 2017 in Uncategorized
Fund-Raising: The management committee – with help from several volunteers – is actively exploring a range of fund raising options to enable us to make repairs and improvements to the recreation centre's facilities. The first event is the Summer Fair on 10 June. See Post for more details. The committee continues to discuss holding a […]


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Composition : 50 % Chardonnay, 41 % Pinot Noir, 9 % Pinot Meunier
Tasting Notes
The intense and concentrated nose suggests fragrances of white flowers. Full and concentrated on the palate it balances power and delicacy. With its rich fruit and fresh style this champagne will accompany dishes as diverse as a carpaccio of Saint-Jacques with vanilla oil and Bourbon pepper, pan-fried duck liver, or a Camembert from Normandy.
Size : 750 ml.


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Guest: Robert V. Green, Briefing.com analyst discusses his latest research report: "The National Broadband Plan – The Cloud Computing Spark Plug?" We also take a look at stocks that may benefit as well as a discussion of the plan benefits and problems. Andrew starts us off with a look at the $600 billion stimulus plan.
Hold your meetings online for just $49/mo.
Try GoToMeeting FREE for 30 days.
LISTEN TO PODCAST NOW | LISTEN @ ZUNE – @ iTUNES
Robert V. Green, Senior Investment Strategist Briefing.com, provides original technology research and analysis.
Robert provides a unique style of fundamental research by using his entrepreneurial and technical background to focus on long term investments.
This unique combination of financial analysis, technology, and entrepreneurial expertise provides a perspective that traditional Wall Street sell-side analysts often lack. Robert has been with Briefing.com since it was founded in 1992 and his commentary appears weekly on the Ahead of the Curve column.
He is a graduate of Harvard and is located in Boston.
Looking to invest in The Disciplined Investor Managed Growth Strategy?
Click below for the 14-minute virtual tour….
Podcast: Play in new window | Download (Duration: 59:27 — 30.9MB)
Subscribe: Apple Podcasts | Android | Google Podcasts | Stitcher | TuneIn | Spotify | RSS | More


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Scalpmaster Surgical Pattern Barber Shears 7''
Scalpmaster Surgical Pattern Barber Shears are designed specifically for use by industry professionals, designed with durability and efficiency in mind.
These blades remain razor sharp and stay sharp with ice tempering for extreme resistant to rusting and dulling.
They're also surgical grade quality, meaning they're incredibly precise for detailing and achieving accuracy.
An exceptional product imported from Solingen, Germany.


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Hub/Upsource problem - Wierd error when using hub auth to connect to corporate Github: hub-auth-failed: Already connected Follow
So, I've hooked up Hub/Upsource to our corporate GitHub server - it's doing a great job for the code review. But, when we try to connect with our GitHub (either via the web app, or in IDEA as part of leaving a code review comment), when we try to login to GitHub, we always get
OAuth 2.0 Error
Authentication failed.
hub-auth-failed: Already connected
I've done all of what the instructions show for creating an application on our GitHub, using the ID and the secret, callback URL, etc. That's all as is should be (I think).
How can we already be connected when we're just logging in?
Any help is greatly appreciated!
Hi Douglas,
Sorry for the delay.
Could you please share Hub logs with me?
I think I've been able to figure out what's going on.
Our corporate Github server is locked down, and can't talk to the Upsource server I've got running on my desktop - they've blocked all outgoing traffic that's not in AWS. Upsource can talk to Github and get all the source control info, but OAuth is blocked.
Possible solutions to this would be open up ports so it can talk to the local desktop server, or else move the Upsource server to AWS, where the ports are open to inter-server traffic.
Unfortunately, they don't like to open ports, and they won't let us start any AWS servers outside of Chef-controlled pipeline deployments.
To resolve this, at home, I've created a personal AWS account, and installed Upsource there, then had it talk to one of my open source projects on public Github. Everything worked flawlessly, so I know the procedure for the OAuth stuff is correct. And the AWS time cost me about $0.60 - much cheaper and less frustration than either of the other approaches.
I have a meeting with our architects next week to explore next steps.
If you're still interested, I've got a zip file with the logs - what's the best way to share it - I don't see a way to attach it to this message
Hi Douglas,
Thank you for the update!
Since you've already found the root cause, Hub logs are no longer needed.
I had the same issue, and rather than running my Upsource server on AWS I asked our dev ops team, and they generated a read only deploy key for the repo.
After that I was able to authenticate just fine using an ssh key.
Please sign in to leave a comment.


text: North Shore CWL Bursary- A bursary of $1,200.00 will be given to the son, daughter, granddaughter, grandson, niece or nephew of a North Shore council CWL member or a young CWL member herself. The bursary will be given to a student entering first year of a post-secondary Institution. Please apply by April 30, 2015. Applications can be picked up at the parish office.


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This month I would like to emphasise items already sold (within a day of purchase!) because of their current appeal and also because it may be possible to source them again. This classic Ico Parisi sofa with matching armchairs has become synonymous with 50's Italian chic. Its clean curved futuristic appearance back in the 50's was a must have item in any contemporary interior with integrity. There were slight variations on this model, including a clam shell like design and the famous asymmetric model. This sofa and chairs are the most simplistic in design, with clean, bold curved lines. They were very robustly made and the angular brass legs allowed the item of furniture to almost 'float' delicately above ground.
If you are interested in this model, then do contact me and I may be able to source them for you.
Domenico (Ico) Parisi c.1916 – 1996
Born in Palermo, Ico Parisi at first started out as a painter, working mainly in abstract and worked with Radice, Rho & Badiali. He graduated in construction in Como 1936 and his first job was in the office of Giuseppe Terragni before being abruptly interrupted by the Second World War. After the war in 1948, he returned to Como with his wife Luisa Aiani and they start working together on interior and furniture design. They quickly find themselves designing for for companies such as Cassina, MIM, Singer, Altamira, Longhi & Cappellini.
In 1950 Ico graduated in architecture at Lausanne University, quickly going on to exhibit at the "34th Salon des Artistes Décorateurs" in Paris.
Notable commissions which followed included the furniture designs for the "Library of the State" Milan 1947 and stands for the "Exhibition of Journalism" Milan 1947, "The Fair of Bergamo" Bergamo 1950, "Carcano House" Maslianico 1949, the "Chamber of Commerce, Industry and Agricoltura" Sondrio 1953 & the "Pavilion Lounge" for the X Triennale in Milan 1954. During this period in the 1950's, Ico forms close collaborations with L. Fontana, F. Somaini, B. Munari & M. Root .
During the 1960's, significant projects included designs for the 'Hotel Corte dei Butteri" , The Church "Santa Maria dell'Osa" Fonteblanda Grosseto 1962, "Casa Orlandi" Erba 1966, "Casa Fontana" 1968, "Casa Vivere Insieme" and "House Living Together" Montorfano 1969. In the same year he organises and takes part in a significant exhibition in Como entitled "Campo Urbano".
During the 1970's and 80's, his designs for furniture and architectural schemes featured heavily in various exhibitions, including the Venice Biennale 1976 & 78, the Galleria Nazionale d'Arte Moderna di Roma 1979, "achieved Utopia" at the Palazzo delle Prigioni Vecchie of Venice 1978, "Apocalypse Gentile" Rome 1979, The Museo d'Ixelles, Brussels 1980, the Palazzo dei Diamanti di Ferrara 1981, "Les Join Urban Documenta" Kassel 1982, "Les annèes 50" presso il Centre Pompidou Paris 1988.
Finally in 1984, there were two exhibitions showing a retrospective of his work over the past forty years at the Italian Cultural Institute in Paris and at the Center ADP in Lille. In 1986 the first exhibition dedicated to him was held at the Padiglione d'Arte Contemporanea di Milano entitled "Ico Parisi: Workshop of the possible", followed by "Ico Parisi: & Architecture" 1990, "Ico Parisi: & Drawings" 1994 all held at the Galleria Civica di Modena, Milan, which now hold all of his donated archive and drawings.


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Wedding is the most crucial day within a person's existence, so everybody tries for you to make the wedding working day unforgettable. Although all plans for the wedding play a important position for producing the event productive, although the value of places is greater as compared to all arrangements. Venue is a place of which is specified and intended to hold wedding ceremonies.
The venue has all the required facilities plus provides enough space to a new large number of persons effectively. Many of various other marriage arrangements are dependent in addition to influenced by the venue, consequently it can be explained that location is a important factor in making the wedding event successful or perhaps lost.
There are a lot of sites across the world that can be known because of delivering facilities to the friends that make their stay over now there comfortable. Before choosing wedding party venues, people need to keep small amount of things inside mind so that this area is perfect to get the event.
There is no doubt that a lot more to consider their finances just before selecting a wedding party venue, nevertheless it must become considered that the marriage ceremony venue provides enough living space for the number of guests invited in the wedding. A good wedding venue that may be incredibly small or too big for the number of visitors is not suitable regarding making the affair fantastic, but it can kill almost all wedding plans.
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Category Archives: Tuesday Tidbit
The Star Thrower – Tuesday Tidbit
One day a man was walking along the beach when he noticed a figure in the distance. As he got closer, he realized the figure was that of a boy picking something up and gently throwing it into the ocean. … Continue reading
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7 Tips for Saving Energy in the Laundry Room By: Douglas Trattner Published: August 28, 2009 Understanding your laundry room appliances is part of a smart plan to help you save energy in your home. Good laundry room habits, including … Continue reading
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text: NYSE:COG Cabot Oil & Gas Stock Forecast, Price & News Adding Choose a watchlist: Adding You have already added five stocks to your watchlist. Upgrade to MarketBeat Daily Premium to add more stocks to your watchlist. Adding Cabot Oil & Gas Co. Please log in to your account or sign up in order to add this asset to your watchlist. Log In and Add $18.65 -0.76 (-3.92 %) (As of 09/23/2020 04:41 PM ET) Add Compare Share Today's Range$18.62Now: $18.65▼$19.5950-Day Range$17.88MA: $19.23▼$20.5952-Week Range$13.06Now: $18.65▼$22.67Volume4.10 million shsAverage Volume7.45 million shsMarket Capitalization$7.43 billionP/E Ratio23.31Dividend Yield2.06%Beta0.21 ProfileAnalyst RatingsChartCompetitorsDividendEarningsFinancialsInsider TradesInstitutional OwnershipHeadlinesOptions ChainSEC FilingsShort InterestSocial Media Cabot Oil & Gas Corporation, an independent oil and gas company, explores for, exploits, develops, produces, and markets natural gas, oil, and natural gas liquids in the United States. It primarily focuses on the Marcellus Shale with approximately 174,000 net acres in the dry gas window of the play located in Susquehanna County, Pennsylvania. The company sells its natural gas to industrial customers, local distribution companies, gas marketers, and power generation facilities through gathering systems and pipelines. As of December 31, 2018, it had proved reserves of approximately 11.6 trillion cubic feet equivalent. The company was incorporated in 1989 and is headquartered in Houston, Texas.Read More Beat the Market (BTM) Rank™ 3.1 Analyst's Opinion Consensus RatingCabot Oil & Gas has received a consensus rating of Hold. The company's average rating score is 2.26, and is based on 7 buy ratings, 10 hold ratings, and 2 sell ratings.Price Target Upside/DownsideAccording to analysts' consensus price target of $20.59, Cabot Oil & Gas has a forecasted upside of 10.4% from its current price of $18.65.Amount of Analyst CoverageCabot Oil & Gas has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock. Previous Next 2.4 Community Rank Outperform VotesCabot Oil & Gas has received 699 "outperform" votes. (Add your "outperform" vote.)Underperform VotesCabot Oil & Gas has received 753 "underperform" votes. (Add your "underperform" vote.)Community SentimentCabot Oil & Gas has received 51.86% "underperform" votes from our community.MarketBeat's community ratings are surveys of what our community members think about Cabot Oil & Gas and other stocks. Vote "Outperform" if you believe COG will outperform the S&P 500 over the long term. Vote "Underperform" if you believe COG will underperform the S&P 500 over the long term. You may vote once every thirty days. Previous Next 2.5 Dividend Strength Dividend YieldCabot Oil & Gas pays a meaningful dividend of 2.06%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthCabot Oil & Gas has only been increasing its dividend for 3 years.Dividend CoverageThe dividend payout ratio of Cabot Oil & Gas is 24.69%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Cabot Oil & Gas will have a dividend payout ratio of 28.17% next year. This indicates that Cabot Oil & Gas will be able to sustain or increase its dividend. Previous Next 1.0 Company Ownership Insider Buying vs. Insider SellingIn the past three months, Cabot Oil & Gas insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,014,643.00 in company stock.Percentage Held by InsidersOnly 2.10% of the stock of Cabot Oil & Gas is held by insiders.Percentage Held by Institutions93.17% of the stock of Cabot Oil & Gas is held by institutions. High institutional ownership can be a signal of strong market trust in this company. Previous Next 1.9 Earnings and Valuation Earnings GrowthEarnings for Cabot Oil & Gas are expected to grow by 195.83% in the coming year, from $0.48 to $1.42 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Cabot Oil & Gas is 23.31, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 18.18.Price to Earnings Ratio vs. SectorThe P/E ratio of Cabot Oil & Gas is 23.31, which means that it is trading at a more expensive P/E ratio than the Oils/Energy sector average P/E ratio of about 15.75.Price to Book Value per Share RatioCabot Oil & Gas has a P/B Ratio of 3.54. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities. Previous Next Analyst Opinion: 3.1Community Rank: 2.4Dividend Strength: 2.5Insider Behavior: 1.0Valuation: 1.9 5 -4 -3 -2 -1 -Overall Beat the Market Rank™2.18 out of 5 stars Industry, Sector and Symbol Stock Exchange NYSE Industry Crude petroleum & natural gas Sub-IndustryOil & Gas Exploration & Production SectorOils/Energy Current SymbolNYSE:COG Previous Symbol CUSIP12709710 CIK858470 Webwww.cabotog.com Phone281-589-4600Debt Debt-to-Equity Ratio0.48 Current Ratio1.22 Quick Ratio1.17Price-To-Earnings Trailing P/E Ratio23.31 Forward P/E Ratio38.85 P/E GrowthN/A Sales & Book Value Annual Sales$2.07 billion Price / Sales3.60 Cash Flow$2.55 per share Price / Cash Flow7.30 Book Value$5.27 per share Price / Book3.54Profitability EPS (Most Recent Fiscal Year)$1.62 Net Income$681.07 million Net Margins19.98% Return on Equity12.85% Return on Assets6.22%Miscellaneous Employees483 Outstanding Shares398,580,000Market Cap$7.43 billion Next Earnings Date10/22/2020 (Estimated) OptionableOptionable $18.65 -0.76 (-3.92 %) (As of 09/23/2020 04:41 PM ET) 30 days | 90 days | 365 days | Advanced Chart Receive COG News and Ratings via Email Sign-up to receive the latest news and ratings for COG and its competitors with MarketBeat's FREE daily newsletter. Cabot Oil & Gas (NYSE:COG) Frequently Asked Questions How has Cabot Oil & Gas' stock price been impacted by COVID-19? Cabot Oil & Gas' stock was trading at $16.21 on March 11th, 2020 when COVID-19 reached pandemic status according to the World Health Organization (WHO). Since then, COG stock has increased by 15.1% and is now trading at $18.65. View which stocks have been most impacted by COVID-19. Do Wall Street analysts recommend investors buy shares of Cabot Oil & Gas? 19 Wall Street analysts have issued "buy," "hold," and "sell" ratings for Cabot Oil & Gas in the last year. There are currently 2 sell ratings, 10 hold ratings and 7 buy ratings for the stock, resulting in a consensus recommendation of "Hold." View analyst ratings for Cabot Oil & Gas. When is Cabot Oil & Gas' next earnings date? Cabot Oil & Gas is scheduled to release its next quarterly earnings announcement on Thursday, October 22nd 2020. View our earnings forecast for Cabot Oil & Gas. How were Cabot Oil & Gas' earnings last quarter? Cabot Oil & Gas Co. (NYSE:COG) released its earnings results on Thursday, July, 30th. The oil and gas exploration company reported $0.05 EPS for the quarter, beating the Thomson Reuters' consensus estimate of $0.02 by $0.03. The oil and gas exploration company had revenue of $332.35 million for the quarter, compared to analyst estimates of $297.59 million. Cabot Oil & Gas had a return on equity of 12.85% and a net margin of 19.98%. View Cabot Oil & Gas' earnings history. How often does Cabot Oil & Gas pay dividends? What is the dividend yield for Cabot Oil & Gas? Cabot Oil & Gas declared a quarterly dividend on Wednesday, July 29th. Shareholders of record on Thursday, August 13th will be given a dividend of $0.10 per share on Thursday, August 27th. This represents a $0.40 dividend on an annualized basis and a dividend yield of 2.14%. The ex-dividend date of this dividend is Wednesday, August 12th. View Cabot Oil & Gas' dividend history. How will Cabot Oil & Gas' stock buyback program work? Cabot Oil & Gas announced that its Board of Directors has authorized a stock buyback program on Friday, July 26th 2019, which permits the company to repurchase 25,000,000 outstanding shares, according to EventVestor. This repurchase authorization permits the company to buy shares of its stock through open market purchases. Stock repurchase programs are often an indication that the company's leadership believes its shares are undervalued. What price target have analysts set for COG? 19 brokerages have issued 12 month price objectives for Cabot Oil & Gas' stock. Their forecasts range from $16.00 to $23.00. On average, they anticipate Cabot Oil & Gas' stock price to reach $20.59 in the next twelve months. This suggests a possible upside of 10.4% from the stock's current price. View analysts' price targets for Cabot Oil & Gas. Are investors shorting Cabot Oil & Gas? Cabot Oil & Gas saw a increase in short interest in the month of August. As of August 31st, there was short interest totaling 15,510,000 shares, an increase of 13.9% from the August 15th total of 13,620,000 shares. Based on an average trading volume of 4,980,000 shares, the short-interest ratio is currently 3.1 days. Approximately 4.0% of the company's shares are short sold. View Cabot Oil & Gas' Short Interest. Who are some of Cabot Oil & Gas' key competitors? Some companies that are related to Cabot Oil & Gas include ConocoPhillips (COP), EOG Resources (EOG), Pioneer Natural Resources (PXD), Concho Resources (CXO), Diamondback Energy (FANG), Continental Resources (CLR), Apache (APA), Noble Energy (NBL), EQT (EQT), Marathon Oil (MRO), Devon Energy (DVN), WPX Energy (WPX), Cimarex Energy (XEC), Range Resources (RRC) and Whiting Petroleum (WLL). View all competitors. What other stocks do shareholders of Cabot Oil & Gas own? Based on aggregate information from My MarketBeat watchlists, some companies that other Cabot Oil & Gas investors own include Bank of America (BAC), Intelsat (I), AMC Entertainment (AMC), Ciena (CIEN), Cisco Systems (CSCO), Gilead Sciences (GILD), Fossil Group (FOSL), Advanced Micro Devices (AMD), Micron Technology (MU) and Marathon Oil (MRO). Who are Cabot Oil & Gas' key executives? Cabot Oil & Gas' management team includes the following people: Mr. Dan O. Dinges, Chairman, Pres & CEO (Age 65)Mr. Scott C. Schroeder, Exec. VP & CFO (Age 56)Mr. Jeffrey W. Hutton, Sr. VP of Marketing (Age 63)Mr. Phillip L. Stalnaker, Sr. VP of North Region (Age 59)Mr. Steven W. Lindeman, Sr. VP of South Region & Engineering (Age 58) What is Cabot Oil & Gas' stock symbol? Cabot Oil & Gas trades on the New York Stock Exchange (NYSE) under the ticker symbol "COG." Who are Cabot Oil & Gas' major shareholders? Cabot Oil & Gas' stock is owned by a number of institutional and retail investors. Top institutional investors include Vanguard Group Inc. (11.46%), FMR LLC (4.90%), Manning & Napier Group LLC (2.35%), Menora Mivtachim Holdings LTD. (1.36%), Bank of New York Mellon Corp (1.15%) and Sound Shore Management Inc CT (1.08%). Company insiders that own Cabot Oil & Gas stock include Dan O Dinges, George Kevin Cunningham, Jeffrey W Hutton, Peter B Delaney and Rhys J Best. View institutional ownership trends for Cabot Oil & Gas. Which institutional investors are selling Cabot Oil & Gas stock? COG stock was sold by a variety of institutional investors in the last quarter, including LSV Asset Management, Point72 Asset Management L.P., Vanguard Group Inc., Arosa Capital Management LP, Bank of Montreal Can, Nuveen Asset Management LLC, Bank of Nova Scotia, and Goldman Sachs Group Inc.. View insider buying and selling activity for Cabot Oil & Gas. Which institutional investors are buying Cabot Oil & Gas stock? COG stock was acquired by a variety of institutional investors in the last quarter, including FMR LLC, Menora Mivtachim Holdings LTD., Sound Shore Management Inc CT, AJO LP, NorthCoast Asset Management LLC, LSP Investment Advisors LLC, Tobam, and Victory Capital Management Inc.. Company insiders that have bought Cabot Oil & Gas stock in the last two years include Dan O Dinges, Peter B Delaney, and Rhys J Best. View insider buying and selling activity for Cabot Oil & Gas. How do I buy shares of Cabot Oil & Gas? Shares of COG can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Robinhood, Fidelity, and Charles Schwab. What is Cabot Oil & Gas' stock price today? One share of COG stock can currently be purchased for approximately $18.65. How big of a company is Cabot Oil & Gas? Cabot Oil & Gas has a market capitalization of $7.43 billion and generates $2.07 billion in revenue each year. The oil and gas exploration company earns $681.07 million in net income (profit) each year or $1.62 on an earnings per share basis. Cabot Oil & Gas employs 483 workers across the globe. What is Cabot Oil & Gas' official website? The official website for Cabot Oil & Gas is www.cabotog.com. How can I contact Cabot Oil & Gas? Cabot Oil & Gas' mailing address is 840 Gessner Road Suite 1400, Houston TX, 77024. The oil and gas exploration company can be reached via phone at 281-589-4600 or via email at [email protected] This page was last updated on 9/23/2020 by MarketBeat.com Staff 30 Days of MarketBeat All Access for $1.00 Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools: Best-in-Class Portfolio Monitoring View the latest news, buy/sell ratings, SEC filings and insider transactions for your stocks. Compare your portfolio performance to leading indices and get personalized stock ideas based on your portfolio. Stock Ideas and Recommendations Get daily stock ideas top-performing Wall Street analysts. Get short term trading ideas from the MarketBeat Idea Engine. View which stocks are hot on social media with MarketBeat's trending stocks report. Advanced Stock Screeners and Research Tools Identify stocks that meet your criteria using seven unique stock screeners. See what's happening in the market right now with MarketBeat's real-time news feed. Export data to Excel for your own analysis. Start Your Risk-Free Trial Subscription Here Questions? Get Started with MarketBeat — Read Your Daily NewsletterCheck Out My MarketBeatWatch Our Tutorial VideosAdd a Stock to Your WatchlistSet Up an Instant AlertView a Company's Profile PageView Our Financial CalendarsView Today's Analyst Ratings


text: List Search What Is A Split Air Conditioner Unit - Blogs & Forums On Electric AC And Heater Blog Title: What is an open-loop system? Main Que: What is an open-loop system? Category: Query By: William J. (Atlanta, GA) Date: 09/15/2016 Answer: An open loop system uses groundwater from a conventional well or water bodies like ponds, rivers, lakes etc. The water is pumped to the heat pump through a loop. The heat in the water is extracted in winter for heating the house. In summers the heat of the house is rejected into this water. The uncontaminated water is disposed of in an appropriate manner. Replied By: Susan Rogers (Scottsdale, AZ) Replied Date: 09/19/2016 Post Answers FollowUp Question


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After losing twice in the final, Shkendija managed to lift the trophy in their third attempt after beating Rabotnichki 3:0 on Monday night.
Shkendija was the favourites to win the Cup right after they eliminated Vardar in the quarter-finals. Rabotnichki, the actual holders for two years in a row, fielded a much different team from the one that had a great Europa League run last summer since many of the key players made transfers. German international Stephan Vujčić even faced Rabotnichki in this Cup final as he joined Shkendija during the winter transfer window.
The Tetovo based club took the lead after only 7 minutes of play when U21 national team player Marjan Radeski seize an occasion to put the ball past his U21 colleague Damjan Shishkovski. Shkendija then controlled the game, yet Rabotnichki managed to create several chances and even hit the crossbar once, but the Club Hero failed to equalize. In the 5th minute of the injury time Cuculi was running in a counter attack and sent a great ball for Stênio Júnior who cemented the win.
The final was awarded to Goran Spirkoski, one of the best Macedonian referees, as he retires after this season.
It was Ferhan Hasani to lift the trophy, although Ardian Cuculi started the game as captain. Hasani came in near the end of the game and took the captain armband from Cuculi as Hasani is the first choice captain. He had a 6 months break due to injury and only came back recently.
This is the first Cup trophy for Shkendija as the red&black team lost the previous two finals. In 2006 they lost 3:2 by Makedonija Gjorche Petrov, while in 2013 their city rivals Teteks were better in the penalty shot-outs after the game ended 1:1.
Rabotnichki played its 7th final, but stays on 4 trophies. If they managed to win this time, they would have tied Vardar on trophies with 5 each.
An incident happened before the kick-off when the Shkendija fans booed the Macedonian anthem during the opening ceremony. Also, the game had 8 minutes of injury time due to the interruption in the second half when the same fans threw fireworks on the field.
To view the match report, click here.


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The official application of the government of Saudi Arabia – Absher, allows men to control the travel of their wives. The critique of human rights organizations has dropped on Apple and Google, which made the app available in their stores.
In Saudi Arabia, every woman must have her legal guardian
Most of the services available in the government application "Absher" do not raise objections – writes The Insider. Men can pay for parking or renew their car registration. They can also give permission to travel their wives and daughters or forbid them. They also receive notifications when a woman uses their passport under their care.
Amnesty International and Human Righs Watch – human rights groups criticized Apple and Google for making Absher available in their stores and pressing giants to remove the app. Organizations argue that by providing the application * Google and Apple facilitate "sexual apartheid". *
Humans Right Watch cited the intrinsic values of technological giants, which speak about the prohibition of applications that allow the spreading of gender inequality. Amnesty International has called on companies to introduce or enforce changes to the application so that it can not be used to control Saudi women by men.


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To tackle the issue of environmental degradation and corrosion of tracks due to toilet waste seeping on the lines, the railways plan to install Green Toilets in trains. Work began on the project some time back and a number of coaches are ready with the department, at their respective manufacturing units.
A major reason for the interest in the project is that the railways could save up to Rs. 350 crore every year that it spends on waste decomposition from the tracks.
This year's railway budget mentioned that Kakodkar and Pitroda Committees, formed to recommend measures for modernization of railways, suggested that there was an urgent need to replace open-discharge toilets with Green Toilets for cleaner and safer railways eco-system.
Ludhiana station superintendent Ravinder Sharma said that the Design and Research Development Organisation had developed bio-toilets that were under extended trial to test their efficacy and suitability.
By June 2013, 2,500 coaches will be fitted with bio-toilets. Trial runs of retention-evacuation and vacuum toilets are also planned on a few premium trains such as Shatabdi Express.
Based on the results of the pilot project, more coaches would be equipped with green toilets.
"Disposal of waste on railway tracks creates a lot of stink, and makes it difficult for passengers to stand on station platform. The concept of "Green Toilets" would solve nearly half of our problems in making railways a hygienic and eco-friendly place," said, Manjit Singh Dhillon, a senior citizen.
Feroezpur divisional railway manager NC Goyal said that work was in progress on the project and would be given final shape by the first half of 2013. He added that a complete switch over to bio-toilets would be complete by 2016-2017.


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IK Multimedia Amplitube 4 Software (Download)
IK Multimedia AmpliTube 4 is a guitar and bass tone studio for Mac/PC that works as a standalone application and as a plug-in for your favorite DAW.
AmpliTube recreates the entire guitar/bass signal chain from instrument to recording device, and does so in a very realistic and intuitive way. But it also does it in ways you never dreamed possible. If youre new to using computers to get fabulous guitar tone, then youre in for a treat. If youre a veteran computer tone-master, well, youre still in for a treat. AmpliTube pioneered and leads the way in guitar amp and effects modeling, and AmpliTube 4 takes it to the outer edges of extreme hyper realism with intuitive familiar tools.
AmpliTube has always been about realism, and now that extreme commitment to accuracy is a part of its completely redesigned cabinet section. The new Cab Room feature is the most advanced cabinet section ever made, giving you a new level of customization and flexibility never before seen in software or reality. The cab room now has 5 distinct customization sections: cabinet selection with size adjustment where players can choose the speaker cabinet theyd like to match to the amplifier, individual speaker selection where they can swap out individual speakers, mic selection and placement for finding the speaker sweet spot, room selection where players select the surrounding recording environment, and a mixer section that allows players to mix the levels of speaker mics, room ambience, direct amp signal and overall main mix. Never before has such a level of control and customization been available for fine-tuning tones from the speaker section. For starters, the cab room is just that a 3-dimensional speaker cabinet recording space that can be changed depending upon the desired room type and effect. Players can choose from a range of room types, from a cavernous garage to a full on cabinet dead room, and mix the room effect and color into the overall sound. Now you can mic up your cabinet with up to two microphones in a full 3D space. AmpliTube 4 comes with 3 microphone, with an additional 15 highly coveted recording microphone models available in the Custom Shop providing a truly hyper-realistic sound capturing environment. The room microphones can also be chosen from the available mics. This, coupled with its swappable speakers, allows for true cabinet miking with full speaker interaction a digital first. Add in things like room ambience control, a new mixer for the cab section and gorgeous new graphics, and its easy to see that the new Cab Section is poised to revolutionize the way guitarists, bass players and other musicians utilize virtual cabinets in their music. Now you can swap out individual speakers in your favorite cabinets at will, allowing for creative speaker combinations utilizing the many precision-modeled speakers available. The AmpliTube 4 speaker cabinet section not only accurately reproduces the tonal characteristics of the individual speakers, but also accurately picks up the harmonic interactions between the individual speaker models, the cabinet construction and the room, making it the most realistic speaker cabinet emulation available.
AmpliTube 4 welcomes 5 new classic amplifier models to the mix representing some of the best British tones from the 70s, 80s and 90s. Each amplifier has been modeled from scratch to embody a different aspect of powerfully classic British amplifier design: Theres the Brit 8000, Brit 9000, Red Pig, Brit Silver and Brit Valve-Pre. All of these new amplifiers have been created utilizing the same methods and patented technologies that have made the AmpliTube brand name synonymous with world-class sound, hyper-realistic tone and extreme accuracy.
AmpliTube 4 is all about exploring new tonal possibilities and its new Acoustic Sim model pedal turns the electric guitar into a hyper-realistic acoustic. It delivers stunning realism and an amazing playing experience that can be tweaked with the onboard controls. Players can choose from and blend 3 acoustic body styles and 3 types of top material to sound like a full range of popular acoustic guitars. Now guitarists with AmpliTube 4 will always have at their disposal great acoustic sounds.
New to the signal path in AmpliTube 4 is an effects loop insert slot situated between the preamp and power amp sections and can accommodate up to 4 daisy-chained rack or stomp effects. In addition to the new effects loop, any stomp or rack effect can now be placed into any effects slot. This means that stomp boxes can be used in the post rack section, and rack effects can be used in any stompbox slot on any pedalboard or in the effects loop section. This opens the door for even more for creative tweaking and innovative sonic sculpting possibilities.
When used in standalone mode, AmpliTube 4 features a built-in 8-track DAW that makes recording ideas and songs a breeze. Its powerful sequencer-like waveform editing should be immediately familiar to you, making it easy to use it as a sketchpad for new ideas or as a full-featured recording solution on its own. Each track features standard treble, mid and bass eq, pan control, level, mute, solo and record enable functions, plus theres an FX enable button allowing for application of different tone configurations to individual tracks.
IK Multimedia Amplitube 4 Software (Download) Features
- Hyper-Realistic tone
- 3D Cab Room w/ selectable room simulations
- Dual Mic placement on any speaker
- Individual speaker selection
- Speaker interaction modeling
- Cabinet mixer for mics, room, DI and master level
- New British Series Amps
- Power Amp/Speaker dynamic response
- Acoustic Simulator
- Effects loop slot between pre and power amp
- Universal effects placement
- Rack effects can be used as stomp effects
- Stomp effects can be used in rack section
- 8-track DAW/Recorder
- 4-track Looper
- UltraTuner
- Built-in Custom Shop
IK Multimedia Amplitube 4 Software (Download) Specifications
- AmpliTube is a 64-bit Plug-in and requires a 64 bit CPU and Operating System.
- Mac (64-bits)
- Minimal: Intel Core 2 Duo, 2 GB of RAM (4 GB suggested), Mac OS X 10.7 or later.
- Supported Plug-in formats (64-bit): Audio Units, VST 2, VST 3, AAX.
- Windows (64-bits)
- Minimal: Intel Core 2 Duo or AMD Athlon 64 X2, 2GB of RAM (4 GB suggested), Windows 7, Windows 8 or Windows 10. Requires an ASIO compatible sound card.
- Supported Plug-in formats (64-bit): VST 2, VST 3, AAX.
IK Multimedia Amplitube 4 Software (Download) Includes
- 10 Stompbox Models Acoustic Sim, Chorus, Flanger, Opto Tremolo, Delay, Wah Pedal, Diode Overdrive, Compressor, Graphic EQ, Volume Pedal (can be controlled by external controller)
- 9 Amplifiers 5 Classic British Amps: Brit 8000, Brit 9000, Red Pig, Brit Silver and Brit Valve Pre, plus American Tube Clean 1, American Tube Clean 2, British Tube Lead 1, Solid State Bass Preamp
- 10 Cabinets 4x12 Brit 8000, 4x12 Brit 9000, 4x12 Red Pig, 4x12 Brit Silver, 4x12 Brit 30, 4x10 Open Vintage, 1x12 Open Vintage, 2x12 Closed Vintage, 4x12 Closed Vintage 1, 1x15 Bass Vintage
- 29 vintage and modern individual speaker models
- 4 Microphones Double Dynamic 57, Dynamic 57, Condenser 414, Condenser 87
- 2 Rack Effects Units Digital Delay & Parametric EQ
- 2 Tuners UltraTuner plus a Fully chromatic rack tuner
- 3D Room environment emulation
- Select different speaker cabinets from different amps
- Change individual speakers in the same cabinet
- Dual Mic Placement on any speaker in the cabinet
- 18 of the most desirable microphones in recording history can be used in the Cab Room (comes with 3, 15 available in Custom Shop)
- 29 individual speaker models
- Choose from 6 different room scenes
- Cabinet Mixer section to fine tune and mix all elements
- Available in Standalone mode only
- 8-Track recorder & DAW
- Waveform visualization of audio material
- Full editing split, cut, copy, paste functions
- Built in Speed & Pitch controls for learning material
- 3-band eq, pan and level controls per track
- FX button allows for re-amping material
- Full suite of export options
- 4-track Super Looper feature
- Unlimited loop length (defined by track 1)
- Volume & Pan controls for loop mixing
- Export to hard drive
- Built-in metronome click track with count-in
- Super easy and convenient to use
- Develop musical ideas quickly
- MIDI controllable via iRig BlueBoard
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text:
Technip awarded for outstanding HR practices
Technip has been certified as Top Employer in nine European countries
Technip has been certified as a Top Employer Europe 2013, a prize rewarding companies for the good care they take of their people. This independent certification, delivered by the CRF Institute, underlines the quality of Technip's human resources (HR) policies as well as its outstanding employee offerings, said a statement.
The CRF Institute, a specialist in the field of international research into HR management and working conditions, has just completed this year's research into the HR policies and practices of a large number of employers across various countries. The organizations examined were assessed based on several criteria such as pay and benefits, training and development, career opportunities, working conditions and company culture.
This year, 20 organizations received this special award for the excellence in the application of their HR policies and practices in Europe. To qualify as a Top Employer in Europe, organizations were required to successfully achieve the criteria set in at least five European countries.
Technip has been certified as a Top Employer in nine European countries: Belgium, France, Germany, Greece, Italy, the Netherlands, Norway, Spain and the United Kingdom.
Moreover, Technip was selected as one of Canada's 100 Top Employers for 2013 for its outstanding working conditions and community involvement. Technip in Brazil's HR policy was also rewarded with the Top Employer 2013 Certification.
David Plink, CRF's Institute Chief Executive Officer, stated: "Top Employers such as Technip meet the highest standards in HR and provide their staff with outstanding offerings. The importance of career developments shows that they believe and invest in their employees' future within the organization. Talent management is an integral part of their HR strategy."]
Thierry Parmentier, Technip's Human Resources Director, commented: "In 2012, we launched a new three-year action plan to further improve the quality and efficiency of our HR practices. The Top Employers 2013 certification is proof that our efforts in this field have paid off and that we are recognized as an employer of choice. At Technip, our teams are the cornerstone of each of our successes and we strive to identify and nurture talents, ensuring an equal opportunity for all in a safe and comfortable working environment."


text:
I hear the spruikers' spiel and wonder
Is it true, or do they think
That we just give our wealth to plunder
Without thought, and will not shrink
From all their folly, and fall under
Such a spell with nod and wink?
For if it's true, as they are saying,
Everybody talks about
The product they have been portraying,
Why this brazen forceful tout?
And are they then perhaps displaying
Their own attitude of doubt?
If everybody's talking, why the need to advertise?
But if the public must be told, then someone's telling lies.
They're either rather wasteful, or they can't be trusted, so
I won't be fronting up to them to part with hard-won dough.
Tom Chapman


text:
The ZEN PC build:
Once upon a time I needed to upgrade a 10-year-old system. I had lost my passion for computer systems too soon after I began. There were extenuating circumstances such as being on a fixed budget, getting married and having two kids. I let so many distractions get in the way.
So, I set out to build a new PC to replace my Athlon x2 PC running at 3.2GHz with 8GB of memory. I had dual GeForce 8600 GT cards running in SLI. These were upgrading an ATI all-In-Wonder cards that I was running in an older 2.2GHz Athlon x2 chip.
Though I was building my own systems, I really did not know much about what I was doing. I did not over-clock so everything was just stock-out of the box performance. I was very pleased with my build. I did not play any games and I had a young Non-Commissioned Officer I supervised who loved to game and he wanted to a new computer. We got to talking and he wanted to see how his game would run on my system.
The game he wanted to test out was a game we had to download off the web after he logged into his account. To download the game and all the updates and upgrades he purchased took about a day to download and install (I don't miss those slow internet speeds). When he got on the game he was amazed at the performance of the 8600 GT's in SLI with, at the time, the Athlon x2 2.2GHz chip. I upgraded a few months later.
So, last year I woke up out of my slumber of not building or playing with tech to build my own PC. I was not without computers, but bought two Apple MacBook Pro's which I still have and love (a 15" and a 17"). I needed to replace the desktop. The AMD processor is still running strong and for anything I throw at it for general office productivity it can still more than handle at stock speeds. I will build another system for my wife's family members back in the Philippines so they can have a good computer.
I started to piece together a budget build to replace my desktop. The graphics cards were showing the wear and tear of their use because the system started crashing and the logs stated the issue was the video cards failing randomly.
So, I picked up a case, AMD FX 8370 CPU, 16GB kit of memory, and an RX 470 graphics card. The system was much faster than my old system and I was happy with it. Then, enter my father. He had an older system, Intel based, and some ancient low end video card. He loves overclocking and has been doing it for several decades. He is quite good at overclocking with just air cooling.
The competition began. He had a 990X Intel Extreme edition chip and was bragging how much faster his system was to mine. It was. He burnt out his old chip with a bit to much juice and wanted a new one. He bought one on eBay for $600 (a great price at the time for that chip). That system did beat my "Beast Built in the East," but he hated it that he was only about 10 to 15% faster when I pointed out that I bought the case, CPU, motherboard and memory for less than just his CPU.
He also started out with a 1060 graphics card and, again, was not overly dominant over the MSI Gaming X RX470 with 8GB of DRAM. So, he upgraded to the 1070. I then upgraded (as was my original plan) to a second RX 470 and was crushing his graphics score. I am not sure I will catch him now because he bought two 1080's and an Intel 6950X chip that is being water cooled by a monster custom loop. His radiator is 85mm thick!
Now, it is my turn to at least catch up to his performance a little bit, but not at the exorbitant price he paid. My system's initial order is in! I am getting the Ryzen 7 1800X. I will post about that build in the appropriate place. I cannot wait to build that one and I cannot wait for the new Radeon graphics card lineup to choose from.
Mike (Lord Bandeye)


text:
by droppedtuning
posted 02-02-2017 10:21 PM
22 replies so far
#1 posted 02-02-2017 10:30 PM
Fret saw?
-- Nathan, TX -- Hire the lazy man. He may not do as much work but that's because he will find a better way.
31 posts in 2653 days
#2 posted 02-02-2017 10:31 PM
#3 posted 02-02-2017 11:03 PM
I do not have the answer, but let me jump in to clarify (I hope) what the OP is asking.
He is not asking about the grooves that the strings are riding in (hence a fret saw will not work).
He wants to make very small "tee slots" for the individual white pieces of the bridge to slide in. This will allow for adjustment to achieve proper intonation of the instrument.
I will have to think about it, but for now I have no good idea about how to achieve this, short of some custom made bits or much more time with some very small files than anyone would choose to endure. What I would be concerned about is that this looks incredibly fragile to me. The tops of the "tees" are anchored by very narrow sections of wood and the direction of the grain suggests to me that they are just crying to pop off. Making the machined block that the individual bridges ride in out of something other than wood seems like a good idea. Not as great a look, but better in the long run. The individual bridge pieces are not wood, so why shouldn't the piece they rest in be something else too?
#4 posted 02-02-2017 11:58 PM
Maybe a Dremel tool? Perhaps you could cut the vertical slot by hand that's wide enough for the neck of the slot cutter and then finish with the Dremel.
In the pics above, it looks to me like they might have been precision cut by hand. Extra fine chisels and a diamond wire saw blade? I dunno. Looks like some fine work there.
-- "You know, I'm such a great driver, it's incomprehensible that they took my license away." --Vince Ricardo
#5 posted 02-03-2017 12:23 AM
The Dremel is the way to go, they have a 1/4" dovetail bit that looks like it would be about the right size, just have to build a jig to hold the dremel and index the fret piece through it. http://www.highlandwoodworking.com/dremel14dovetailhighspeedsteelcutter.aspx
-- Colombia Custom Woodworking
#6 posted 02-03-2017 12:47 AM
Grove out a piece with a straight router bit, then take the grooved piece to a scroll saw to cut the T out or use a hand coping saw.
#7 posted 02-03-2017 12:52 AM
Do you have a drill press? If so, maybe if you chuck the Dremel bit and move the piece under the bit you could get a more stable set up and therefore more accuracy. Just thinkin' out loud here.
-- "You know, I'm such a great driver, it's incomprehensible that they took my license away." --Vince Ricardo
#8 posted 02-03-2017 01:20 AM
I was thinking exactly like patcollins. use a coping saw or a scroll saw after cutting the big slot.
#9 posted 02-03-2017 01:50 AM
Get youself a keyhole router bit. They're typically used to make that hole in the back of a piece of wood that fits over a nail to hang on the wall.
-- Darrell, making more sawdust than I know what to do with
#10 posted 02-03-2017 02:05 AM
Cut the slots with whatever then use a ground down Dremel router bit.
-- Shooting down the walls of heartache. Bang bang. I am. The warrior.
#11 posted 02-03-2017 03:13 AM
Here is Rockler's version of a keyhole router bit. Different makers will have slightly different dimensions.
-- Darrell, making more sawdust than I know what to do with
#12 posted 02-03-2017 03:24 AM
What the heck…
#13 posted 02-03-2017 03:25 AM
A keyhole bit was my first thought too, but the T portion of the slot looks to only be about 1/4th as large as the keyhole bit would produce. It looks to me like he needs something smaller than the thickness of a dime.
#14 posted 02-03-2017 03:56 AM
I've never tried this, but what if you cut vertical slot with a router and then cut the "T" with a coping saw.
#15 posted 02-03-2017 04:47 AM
Whiteside will make about any profile you want. I would think they can modify their keyhole bit to the desired dimensions. Somebody made a tool to cut the profiles pictured in OP post. Are the pictures shown, examples of pieces of wood that were mass produced?
A fret saw would probably be a cheaper alternative.
-- Darrell, making more sawdust than I know what to do with
#16 posted 02-03-2017 06:13 AM
Remember that luthiers use a lot of hand tools. I really think that most of you are over thinking this. The entire slot can be cut with a fret saw. Trying to do that with a miniature router bit will most likely get you a lot of chip out and each slot would only take a couple of minutes with a fret saw. If you were going to mass produce them it might make sense to have a custom bit made, but if you are just making them one at a time, a fret or even coping saw will handle this fairly easily and quickly, though to handle the tight corners a fret saw would be ideal. You can always clean up the corners if necessary with a thin knife as you would with a chisel on a larger slot.
-- Nathan, TX -- Hire the lazy man. He may not do as much work but that's because he will find a better way.
#17 posted 02-03-2017 05:34 PM
Those are small slots, I would glue up the bridge from thin sheets of veneer. But I think dovetails would be easier.
-- Rick M, http://thewoodknack.blogspot.com/
#18 posted 02-03-2017 08:13 PM
Woodworkers Supply has a large selection of brad point bits including HSS and carbide tipped bits; also forstener bits. These appear to be industrial quality bits instead of the consumer grade "Irwin" bits.
#19 posted 02-03-2017 08:22 PM
As others suggested, I'd cut the slots with a router (using a backer to avoid chip-out) then finish the profile with a coping saw.
-- Kenny, SW VA, Go Hokies!!!
#20 posted 02-04-2017 05:36 AM
Maybe there is a LJ that has a 3D printer that can help you out.
-- "It's fine in practise but it will never work in theory"
#21 posted 02-04-2017 10:01 PM
I would probably tackle this problem using a 5 step method and some thicker oversized material.
The first step would be to cut dados in one piece that are deep enough and width enough to hold the white bridge pins.
The second step would be to face glue the dadoed piece to a piece of flat stock, being careful to keep glue out of the voids created by the dados.
The third step would be to resaw the glue-up to arrive at the proper overall thickness, ensuring the resaw cuts leave the proper amount of material over the dado to retain the bridge pins.
The fourth step, after smoothing out the resaw marks, would be to cut a slot above each dado to reveal the T slot.
The last step would be to trim the piece to proper width and length.
#22 posted 02-04-2017 10:31 PM
If you go to the original website you can see at least one picture of a saddle made from glued up pieces.
-- Rick M, http://thewoodknack.blogspot.com/
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text:
The Myth of The Flugscheiben,Chapter1,Part1.wmv
" Wunderwaffen" : Some technical evolutions ,as basics for so much more !?!? From New Swabia to Aldebaran !?!? IMPORTANT NOTICE: Please contact,if someone's copyrights should be insulted,by chance !!! According Material will be removed !!!
Video Rating: 5 / 5
Ein kurzes Video über die Deutschen "Wunderwaffen". Die wenigsten davon kamen zum Einsatz. DIESES VIDEO GLORIFIZIERT NICHT DIE MENSCHENVERACHTENDE POLITIK DER NATIONALSOZIALISTEN! Es dient lediglich informativen Zwecken. Diskussionen sind erlaubt und gewünscht, bleibt aber bitte sachlich! ********** A short movie about the so called German "Wunderwaffen" ( Wonder Weapons). Not many of them saw action in WW2. THIS VIDEO SHALL NOT GLORIFY THE POLITICS OF THE NATIONAL SOCIALISTS NOR THE ACTIONS OF THEIR AGENCIES. Discussions are allowed – but please, do not waste your breath spreading hate against each other. ********** Music: Clint Mansell – Requiem For A Dream. Ich besitze KEINE Rechte an dem Song!
Video Rating: 4 / 5
28 Responses to "The Myth of The Flugscheiben,Chapter1,Part1.wmv"
HiFreund. It is very good and interest video. I wish you good work in the way going to show the true.
Am Ende Steht der Sieg!
Carl von Vorman
@carlvorman Hi,Freund !! Thanx for ur kind words+interest !! work goes on !!!
Hi, Freund! It is very well video. All your videos are made profesional.The world must know true!Alles Gute mein Freund-
Carl von Vorman
FFS this isn't requiem for a dream! What's the name?! Does anyone know?
Also, good video!
@BrownDeadCorpse i am :3
@noob4253 of course thats normal but u can be proud of your gradnfather he fighted for his country and his family 😉
@BrownDeadCorpse i know but still sad f i ever watch this again
@noob4253 dont think now i wanna make you sad or something but i think u get the point bro 😉
@BrownDeadCorpse yea ur right…… maybe yor tellin truth : /
@noob4253 damn im really sorry but u have to understand thats war… i think ur grandfather also killed somebodys grandfather… thats just the life =(
name of the song?
@fluffy1931 How am I any of that?
@halo07guy2 ..,what does that have to do with you being a nazi fagtard, assclown?
@fluffy1931 Having looked at your profile across a number of sites, I've come to the conclusion that you are nothing but an ignorant troll who believes the myth that the US won WW2 singlehandedly.
What part of this Edwin Black quote does your brain not process…?
Again on page 11,..
Edwin Black 'IBM and the Holocaust' ..,
" Skipping around in the book will only lead to flawed and erroneous conclusions. So if you intend to skim, or rely on selected sections, please do not read the book at all."
@fluffy1931 On pg352, he outright states what I said. How hard is it for you to get that through your head?
@halo07guy2 ..,and again nowhere in Edwin Black 'IBM and the Holocaust' does anything similar to what you pulled out of your butt and passed off as what Edwin Black meant or presented appears in his book.
Pls. regurgitate more passages
Again on page 11,..
Edwin Black 'IBM and the Holocaust' ..,
" Skipping around in the book will only lead to flawed and erroneous conclusions. So if you intend to skim, or rely on selected sections, please do not read the book at all."
@fluffy1931 I love how you call others a dumbfuck when you put words into other people's mouths, jump to conclusions, and apparently can't read.
If you actually read my post, you'll notice that I never said it was a direct qoute. That's the thesis he presents. And he does indeed say something similar to that on pg352.
If you can't wrap your mind around that, then you need to bak to school. And still, you ignore that I keep including the other companies, Bayer and Siemens.
@halo07guy2 ..,dumbfuck- read your own post?
this is you dumbfuck,….
"You also forgot that in that same book, the author says that the Holocaust would not have been as successful as it was without IBM."
..,above is from your post not from Edwin Black the author of 'IBM and the Holocaust'.
pls gtfoh
@fluffy1931 I never said that was qoute. It's the thesis he presented. By the way, take a look at pg352 of that book.
"without IBM's machinery, continuing upkeep and service, as well as the supply of punch cards, whether located on-site or off-site, Hitler's camps could have never managed the numbers they did."
And in any case, I never said it was just about IBM. Why do keep ignoring the other companies, Bayer and Siemens?
@halo07guy2 ..,and again you lifted work from 'IBM and the Holocaust', authored by Edwin Black
on page 11′ his quote which you omitted ,.." Make no mistake the Holocaust would still have occurred without IBM."
You dumbfuck! Pulled the below quote out of your ass ..,
"You also forgot that in that same book, the author says that the Holocaust would not have been as successful as it was without IBM."
No. Edwin Black nowhere in his book 'IBM and the Holocaust' wrote the above .
@fluffy1931 Can you read? i said that it wasn't just IBM. You hear IBM, and you immediately think that the entire thing is stealing from one book, despite the fact that the book doesn't even mention Bayer or Siemens.
And of course, I must be a "nazi fagtard" if I point out that SEVERAL COMPANIES, NOT JUST IBM, were complicit in the Holocaust. I never said that that absolves the nazis. You are claiming I did. Learn to debate, learn to argue, And for god's sake grow up.
@halo07guy2 ..,this isn't a debate assclown.
it's the internets.
You and porty500 can 'cross swords' in the mens room and share a tissue.
..,grow some hair on your balls nazi fagtard.
Your point is not even original .
Again check your 'borrowed' arguement & facts there were done before and better by 'IBM and the Holocaust', author Edwin Black published in 2001′.
Your not clever or original and your rant is out of date dumbfuck.
@fluffy1931 By the way, you carry yourself very poorly in debates, as I have noticed by checking your comment history. You repeated resort to insults. As porty500 said: "Rudeness is a sign of a dimwit, and you sir fit the bill to a T".
It isn't a directionless rant. You were the one asseritng that I'm some kind of Nazi apologetic for simply pointing out thtat several companies were complicit in the Holocaust. Overzealous much?
@fluffy1931 I listed, IBM, Bayer, and Siemens, not jsut IBM. I'm not using someone elses argument. And in any case, would call condeming IBM for the same reason using someone else's argument. You also forgot that in that same book, the author says that the Holocaust would not have been as successful as it was without IBM.
I am not taking any of the blame away from Nazi Germany. I am simply stating that several companies were complicit in it. You were the one who interpeted it as apologetic
@halo07guy2 ..,no you tried to use somebody elses arguement. See author Edwin Black book 'IBM and the Holocaust', published in 2001′. He does it better than you and is more original and on page 11 "Make no mistake – the Holocaust would have occurred without IBM.
Your directionless rant about computers and IBM somehow lets off the hook that Nazi Germany was responsible for state sponsered genocide prior & during WW2 has already been done before.
pls. gtfoh assclown.
@fluffy1931 Hell, your effectively arguing that since 2005, IBM hs no longer worked on the further development of computers. Wrong.
What I'm saying is that regardless of manufacturer, most computers uses IBM technollogy in it. Hell IBM released just last year their new nanophotonic microchip. Are you telling me that personal computers won't use this IBM technollogy in it in the near future?
@fluffy1931 I'm not some kind of nazi apologist. I haven't even made any statement remotely like that.
By the way, your claming that since the Chinese bought the computer division, that suddenly all IBM developments in computer technollogy prior to 2005 are no longer IBM developmnets, but Lenovo developments.
What I'm saying is that IBM, being one of the creators of modern computing technollogy, is the origin of technollogy used by nearly all computers today.


text:
It may but, mostly for smaller operators…
First some background…
Credit insurance is provided by specialised companies
that assess the credit risk posed by an importer's individual
clients. Especially smaller companies cannot afford the
risk that a client fails to pay for goods delivered whereas their
own banking facilities may well be dependent on having adequate
credit insurance in place. The credit insurer in turn places limits
on the amount of credit that can be insured for each client but, as
has been happening, such limits can suddenly be sharply reduced or
even withdrawn altogether. In such a situation, smaller
importers/wholesalers, who rely on the security of the insurance,
may have to either stop supplying altogether or demand cash
upfront. *
Usually, credit insurers require an importer to take out
cover for all his clients - in other words: all or none.
Whether to insure or not will depend on the type of business that
is conducted and the premium required. If the great majority of
clients are top roasting companies then the cost may not be
warranted, or simply becomes too high. Cost would appear to be one
reason why the use of credit insurance is not widespread in the
United States coffee market although it is used in the specialty
segment. In Europe it is however fairly widely used, but mostly
amongst smaller companies that do not normally sell (regularly) to
the majors. The cost is relatively modest whereas for many
importers/traders the willingness of a credit insurer to cover a
(potential) client is a good indication of that client's financial
standing. This is particularly important now that many smaller
roasters demand extended credit terms.
Why is the availability (or absence) of credit insurance
Here one has to differentiate between the two value chains.
Coffee is mostly retailed through two separate market segments:
supermarket chains and individual outlets as coffee shops
etc. Furthermore, especially for smaller operators bank
finance and credit risk are irrevocably linked with most funding
being conditional on having adequate credit risk insurance in
Supermarket chains are mostly serviced by the major
roasting companies who in turn rely largely on trade houses for
their green coffee supplies. In recent times the tendency
on the part of supermarket chains to demand ever more credit from
suppliers has notably intensified. This in turn means similar
demands from major roasters. For example, instead of buying on the
basis of 'cash against documents on first presentation', some of
the majors now buy green coffee on the basis of 'payment on
arrival', thus shifting a substantial financing burden on to their
suppliers. Whilst accepting that major roasters present little or
no credit risk, this shift still obliges potential suppliers to
find the additional funding this necessitates. Major operators will
find this easier than will their smaller counterparts, some of who
may be unable to compete because they cannot raise the extended
finance. **
Smaller roasters and coffee shops (particularly
specialty) are largely serviced by importers/traders and
wholesalers. The provision of credit has always been an
accepted way of doing business in this segment. This is
particularly so in the specialty business where most small roasters
expect to receive 30 or more days of credit from the date of
delivery. However, as the economic climate has worsened so has the
availability of finance - even medium sized roasters are looking to
their suppliers for additional credit by way of later payment, also
because their own clients are seeking extended credit terms. Again,
larger trade houses may deal with this more easily, for example by
channelling their specialty and smaller client business through
separate companies that can afford to take out cover for all their
For smaller operators selling on credit is not possible
without credit insurance, whereby the insurance company insures the
risk that a buyer will not pay for goods received. This is
central to the functioning of almost every retail supply chain, so
also for coffee. Without access to adequate credit insurance many
smaller importers/wholesalers will be unable to trade as freely as
before. And there is every indication that because of current poor
loss experiences credit insurers may continue reducing their risk
exposure, sometimes by cancelling individual company coverage
altogether! Therefore, irrespective of the availability of bank
finance an importer may have to retreat from certain types of
business and/or clients. ***
If current economic trends continue then we would
suggest that reduced activity by smaller players in the green
coffee trade could impact on their counterparts in producing
countries. Smaller exporters, especially stand-alone
operations, are already at a disadvantage when attempting to
compete with the large multi-national trade houses. If their
particular market segment now also shrinks because the financial
capacity of their counterparts is diminishing, then in time this
may mean still greater concentration in the coffee industry.
Alternatively the higher cost of doing business will be passed back
to origin…
In producing countries this is potentially bad news for a) the
specialty industry, particularly newer suppliers, and b) those
exporting/trading non-standard grades or lower qualities that
mostly find their market amongst the smaller roasters. Any
backwards shift of the burden to finance mainstream supplies
(supermarket chain to roaster, roaster to supplier) is also likely
to translate in higher costs for producing countries.
* It is important not to confuse credit insurance
with credit lines. The first refers to insuring the risk a buyer
does not pay for goods received - the second refers to the amount
of credit (or overdraft facility) a commercial bank is prepared to
provide to an importer or trader.
** See topic 04.02.07 for a review of payment conditions. See
chapter 10 'Risk and the relation to trade credit' for more on risk
issues generally.
*** It is important to note that credit insurers of course do
not reduce or cancel individual client limits without reason.
General reductions may be linked to a deteriorating economic
climate in the sector concerned whereas individual reductions may
be because of information received or obtained. For example for
privately held companies from annual accounts lodged with Chambers
of Commerce or similar such institutions.
Posted 21 May 2009


text:
Gay Men Beware: Meningitis Outbreak In California, Vaccinations Recommended [VIDEO]
The California Department of Public Health is usually second to New York's annual advisory; but, hopefully things are tame in the Big Apple.
This recent press release from California is shocking:
The Los Angeles County Department of Public Health (Public Health) reports that the number of Invasive Meningococcal Disease cases has recently increased. The newest case is confirmed in a young adult, gay man who works in LA County. He is currently hospitalized and receiving appropriate medical treatment. This brings the total number of cases in LA County in 2016 to 11, of which seven have occurred within the last two months.
Of particular concern, this is the fourth recent case within LA County's Public Health jurisdiction to occur among self-identified gay men/men who have sex with men (MSM). To date, the reason for the high proportion of cases in this population is unknown, but the majority are among HIV negative men. Two female cases of Invasive Meningococcal Disease have also been confirmed within the same time frame. No deaths have occurred in LA County due to these infections.
"The number of infections among men, most of whom identify as gay or bisexual, is substantially more than would be expected," said LA County Interim Health Officer, Jeffrey Gunzenhauser, MD, MPH. "This is of great concern, and we want to ensure that individuals who are at risk get vaccinated and take other precautions to stop the spread of this deadly disease."
Public Health has asked the State and the Centers for Disease Control and Prevention (CDC) to assist in the local investigation. This is especially important because there have been Invasive Meningococcal Disease outbreaks among MSM in other jurisdictions across the country.
Including cases from Long Beach and Orange County, this most recent case from LA County brings the total to seven MSM cases in Southern California since the beginning of May. In LA County, there are an estimated 300,000 MSM in a population of more than 10 million people.
Here's a news story from the 2013 Los Angeles outbreak which includes tips to identify symptoms. Press play.