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Sydney ™
Live performance by Tahir Faridi Qawwal
SAMAA'S QAWWALI NIGHT in Bankstown Sydney was A HUGE SUCCESS
South Asian Muslim Association of Australia (SAMAA) staged another very successful event for elders of the community. The Mehfil-e-Qawwali on Sunday 19 March 2017 at Bankstown Sports Club Sydney theatre is described as a magical evening by those who attended it. Well over 300 people including elders, their families, SAMAA volunteers and members, wider South Asian community as well as anglo saxon fans of this classical art filled the stunning theatre. The Acoustics of the Auditorium was of the highest quality, so the lighting and other features.
The ensemble of Tahir Faridi Qawwal gave an outstanding performance in singing very popular numbers of Ustad Nusrat Fateh Ali Khan and Sabri Brothers. The group mesmerised and enchanted the audience for well over three hours, receiving rapturous applauses repeatedly. With their rich rhythmic grooves, soaring vocal melodies and the classical performance, the performers were able to spell bound the audience. It was an exceptional exhibition of the ancient tradition of Sufi music. The lead singer Canadian born and a revert Tahir Hassan Faridi showed total mastery of this art with its smooth melodic overtures, fierce leaps of vocal passion & rich vocal choruses which captivated the audience.
The group represents Australian wing of world famous Fanna Fi Allah Qawwali group. The senior SAMAA Elderly Mrs Kaneez Fatima Ali presented gifts to the artists. Mrs Saba Abdi introduced to the audience the origins of classical music and poetry of Qawwali. Mrs Shaheen Firdose was MC for the event.
The Event was designed as a Service to the Elders in our Community as SAMAA
does at regular intervals to alleviate loneliness of community elders. The
elders get an opportunity not only to entertain themselves but also meet their
contemporaries. The Elders well appreciated SAMAA's efforts at catering to
their Culturally & Linguistically Divergent Needs.
The event was supported by Multicultural NSW as well as Bankstown Sports Club.
Zahid Jamil
Mr Zahid Jamil of SAMAA told audience about current programmes of this benevolent institution. Apart from its voluntary services, SAMAA offers various services in partnership with a major service provider Uniting in culturally and religiously appropriate manner. These include Social Support Programme, Home Care as well as Nursing Home Care. Mr Jamil urged elders and their families to cooperate with SAMAA in registering the elders through My Aged care so that professional services can be arranged for them. He mentioned about huge reluctance among community elders in mentioning their difficulties to SAMAA and relevant agencies and thus missing out on services which they deserve. He said that our elders have given huge sacrifices in raising their children and families and a few of them have offered their services to the community and the nation. They deserve the best treatment in old age when they need it most. He also requested the community support including financial support as donations to SAMAA are tax deductible.
Dr Ahad Khan, in his vote of thanks, mentioned about the community organisations who supported the event. These included Indian Crescent Society of Australia, Edhi Foundation, Gujrati Muslim association and others. He also thanked a few community leaders and Sada e Watan who actively promoted the event and thanked SAMAA volunteers and audience. People can listen to a few video clips of the evening at SAMAA Facebook.
Email Sada-e-Watan to a friend!


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As part of our ongoing transition to the Krembil Research Institute, we've updated our Terms of Use and Online Privacy Statement to reflect the move to a new organization.
Since World Community Grid was created in 2004, we've collected data to help us serve and communicate with volunteers. Keeping this information safe has always been very important to us. We are not changing these principles: we remain committed to data security and privacy.
As part of our move to the Krembil Research Institute, our Online Privacy Statement and Terms of Use have been updated to:
- Include the name and contact information of our new host organization
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Please note that we are still adhering to the General Data Protection Regulation mandated by the European Union, and we still offer the same information protection options to all volunteers as we did previously.
Thanks to everyone for your continued participation and support for humanitarian scientific research.
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subset: commoncrawl


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Social Stories
Perverted M'sian Psychiatrist WALKS FREE Because Authorities Didn't Show Up With Investigation Paper
Malaysia's justice system has failed once again to protect vulnerable victims who have taken the courage to reach out for help.
Psychiatrist Dr Gurdeep Singh, who was arrested and charged in October 2019 for insulting the modesty of his rape patient using sexual words, has had all charges against him dropped by the magistrate on 13th January 2020.
This is because the Deputy Public Prosecutor (DPP) failed to have the Investigations Paper (IP) in court, prompting the judge to give a discharge not amounting to an acquittal (DNAA).
In plain terms, Dr Gurdeep gets to walk free for now, but can be charged again as he has not been fully acquitted until such time the AG decides to charge him again.
Two lawyers representing Dr Gurdeep, Datuk Suraj Singh and Dinesh Ramachandran confirmed the matter, reported Malay Mail.
"The case got DNAA this morning since the Investigations Paper (IP) were not in court. So the judge gave a DNAA order," Dinesh said.
"The court gave a DNAA because the IP was not ready. Very possible because it is not an acquittal… they can also re-charge (Dr Gurdeep)," Suraj said, adding that his team would make the necessary arrangement when the time comes.
The victim's lawyer, Francis Pereira, said the DNAA came as a complete surprise and is looking into writing to the prosecutor's office on whether they would re-charge Dr Gurdeep or not.
Disheartening news for the victim
Ms A, the victim involved in the case, told WORLD OF BUZZ that she is very disheartened by this piece of news.
"It took so much to speak up to begin with, so having the case thrown out before an opportunity for it to go to trial because of the tardiness of the DPP has been extremely disheartening and very difficult to process," she said.
"It's been a long and hard six months since the incident first happened. We've been nothing but extremely cooperative in working with the authorities."
"On our end we've done everything right and it's just been a waiting game. But with each new court date that's given to us – it also means additional anxiety."
"It feels like we've been failed over and over again by a system that is supposed to protect us."
Can we really trust Malaysia's justice system?
When the case was first reported, it was classified by the authorities as NFA (No Further Action). Only after an outcry from the media did the DPP decide to charge Dr Gurdeep for insulting the modesty of his patient.
However, when the AG Chambers were tardy in not showing up with the papers, the Magistrate court decided to dismiss the case, which shows the lack of effort and priority in following through with their initial action to charge Dr Gurdeep.
Besides the fact that the Investigations Paper wasn't provided, which by now, the DPP should know is basic procedure, the court should have directed the DPP to track the file, instead of throwing out the matter entirely.
The victim's lawyer, Francis Pereira, mentioned that up till now, "Dr Gurdeep has yet to be recharged."
"This leaves Dr Gurdeep a free man who has the liberty to do whatever he wants and even leave the country if he wants to," he said.
The court has failed to realise that real people's issues are at stake and that striking off the case leaves victims feeling confused as to whether they can trust the legal system when it comes to matters like this. Not only has Ms A been victimised by Dr Gurdeep, she has also been victimised by the legal system.
They have to realise that it takes an immeasurable amount of courage and bravery for sexual harassment victims to speak out and ask for help, and to be told that justice is not being served to those who deserve it despite surmounting evidence, one can only wonder how humiliating and discouraging it must be for these victims.
Beyond just sending and receiving lewd pictures
It has been six months since the incident took place and Ms A is still deeply affected by it.
"What the psychiatrist has done is obviously very wrong. I'm deeply affected not because of the lewd pictures, but because he was a psychiatrist – someone that I went to when I was struggling badly with my mental health," Ms A said.
"For him to abuse his position was terrible, which calls for disciplinary actions because he is definitely not fit to practice."
"With our legal system not doing anything about this, it puts so many more already vulnerable people at a much bigger risk."
With no disciplinary action taken against Dr Gurdeep, who knows how many perverted and twisted doctors out there could walk free, knowing that the legal system isn't strict enough to enforce punishment on their unethical practices?
Dropping charges against Dr Gurdeep and letting him walk free despite sufficient evidence tells other sexual predators out there that it is okay to carry out their lewd behaviour on vulnerable victims, and it tells victims that reaching out for help is going to end in disappointment.
The question still remains, why is our legal system not stepping up to protect the people that need it the most?
Ms A shared this with us to "hold the court and the legal system accountable for their actions."
She also reaches out to fellow Malaysians in hopes that public pressure will push the authorities to take this matter seriously and to follow through with their actions.
Sexual harassment is not a joke and the authorities should know better than to simply dismiss cases as they like.
Spread the word, and let's hope this poses enough public pressure for the authorities to reopen the case.
Also read: M'sian Psychiatrist Sexually Harasses Patient & Walks Free As Police Said There's "Not Enough Evidence"
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The locksmith startup budget provides you a dynamic dashboard and useful financial performance tools that are handy and provide a clear depiction of your company's financial health. Also, this model has a 5-year financial projection plan to ensure steady growth and profitability. It can also estimate ongoing operating expenses, monthly sales revenue, startup investment requirements, and inventory.
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|Free Preview Available! Locksmith Financial Planning Model PDF Demo
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Business owners and their managers can leverage our locksmith financial model template for startup's built-in financial assumptions about expenses and revenues to get a complete picture of the business. This will help owners and managers make more informed business decisions.
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Better Decision Making With Locksmith Startup Financial Model Template Excel
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This financial model in excel has an all-in-one dashboard. This tab is a snapshot of a business's start-up metrics at a particular point in time. You can see your core start-up financials, revenue breakdown by years, 5 year cash flow projection template data, profitability forecasts, and cumulative cash flow on this dashboard in the form of charts and graphs.
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While putting together the sources and uses template statement, companies and especially start-ups can include alternative funding sources, such as crowdfunding campaigns. Another part of the Sources and Uses statement is the ways the company plans to use obtained funds. The total figure in this section should balance with the figure if the 'Sources' section, i. e. , both parts of the sources and uses of cash statement section, should balance.
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Let's assume you have a subscription-based business where customers have the option to pay for your services upfront for either a year or 6 months. Without a excel financial model template, you will have no way to forecast customer prepayments or to correctly capture GAAP-based revenue. So the chances will be exceptionally high that your financial excel template is going to either misreport revenue or cash flow for your business or both. That is a recipe for disaster! What if you were presenting this information to investors and they ask a question about forecasting deferred revenue, it would be embarrassing if you aren't able to get this right (and thus achieve capital investments you deserve and need).
Cvp Chart Excel
The break even analysis graph calculation is a part of this financial projection template excel. This financial indicator is essential for every start-up to understand whether it is appropriate for doing this kind of business.
The break even in sales shows the company's required revenue level that will cover all the business costs, including taxes. When this revenue level is reached, the company begins to bring in profits, which means that the start-up investments start to pay off.
Locksmith Pro Forma Excel Gives You More Clarity
Financial Model Excel Template Fosters Alignment Within The Team
Make A Complaint, 5-Year Financial Model Excel Spreadsheet Cost Assumptions Plan
Top Revenue
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Business Top Expenses Spreadsheet
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Business Financial Statements
The financial projection model template has pre-built proformas for the pro forma balance sheet template excel, the forecast income statement, and the cash flow projections excel.
These proformas allow users to create statements both on a monthly and annual basis. Users can create detailed financial statements using the financial assumptions inputted in the five year financial projection template.
|Free Preview Available! Locksmith Financial Planning Model PDF Demo
Projected Profit And Loss Template
All the Financial metrics in any locksmith business are integrated; hence, the projected pl statement reflects every Financial activity inside your business.
This financial model template startup provides you with complete information about net profit ratio and gross margin as a percentage of sales. Therefore, it is easy for you to estimate your business performance and strength and target the expected profits with these projections.
Excel Spreadsheet Cash Flow
This sheet also contains a dedicated sheet to monitor and analyze your company cash-ins and out. This startup cash flow statement is based on several key inputs, such as yearly income, working capital, long-term debt, net cash, etc.
This calculation is then used to compute your net cash flow, beginning, and end cash balances. This is a perfect startup financial projection template for modeling your cash flow analysis.
Prove To Lenders Your Ability To Repay On Time With Financial Model Xls
Financial Model In Excel Helps You Identify Cash Gaps And Surpluses Before They Happen
Pro Forma Template Helps You Better Position Your Brand
Pro Forma Balance Sheet For A Startup Business
The projected balance sheet template is a critical document as it reflects the complete picture of any company's finances. It also reveals the amount needed to generate the profit shown in pl. projected balance sheet template forecast is a vital metric in any financial excel template, and it determines the company's position at any point in the future.
Start-up costs begin to accrue before actual operations start, so it is crucial to monitor them early to avoid overspendings and/or underfunding. These costs are an essential part of any business plan.
Our locksmith startup financial projection template has a proforma specifically for start-up costs so that users can show both funding and expenses in one place. You can use this proforma to monitor your expenses and create cost budgets.
Complete pro formas
A good financial model template for startup covers all aspects of your business: marketing plan, sales strategy, pricing structure, supply chain, org chart, etc. A professional financial model business plan is comprehensive enough to describe almost your entire financial business plan without any additional support or description.
CAPEX Forecast
The CAPEX plan is an important part of the financial model xls. Businesses' use CAPEX investment spending as part of their start-up budgeting process and to monitor investments. Understanding start-up expenses are necessary for the company. They are estimating expenditures on cash flow format in excel and influencing it. Having detailed planned capital expenditure spending is important for start-ups to have during budgeting and planning processes.
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The loan amortization schedule template reflects the loan repayment schedules as per their terms. The loan amortization template in our feasibility study template excel is equipped with built-in formulas that keep a record of each loan, its terms, and repayments dates. It can handle all types of loans having monthly, quarterly or annual terms.
Profitability KPIs
The financial model template for business plan calculates the EBIT, i.e., earnings before interest payments and tax deductions, depending upon your assumptions. It is a vital metric that shows the true potential of your business's profit-generating abilities.
Industry Benchmarks
The benchmark tab in the startup financial plan template evaluates how the company fairs in different key financial indicators against the calculated average of similar companies. This shows how effective the company is in those key indicators compared to its competitors. The average values of these indicators are highlighted in the financial modelling excel template for ease of comparison.
Start-ups can specially benefit from benchmarking and from applying insights from the study into their company's financial planning. This type of study and analysis helps a company explore strategic options, simulate, and decide on the best methods that can guarantee company success. This is a best practice in strategic management. This is also why controlling and recording all financial data and indicators is so important.
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Cash Flow KPIs
Operating business cash flow forecast. The operating cash flow calculation of the three way financial model shows how much cash the company generates from the business operations. This calculation does not include secondary sources of revenue, like interest or investments.
Pre Money Valuation Startup
Investors will find all the data they need with the built-in pre revenue startup in the locksmith budget financial model. Among the data presented is the weighted average cost of capital (WACC), which will show potential investors and stakeholders the minimum rate of return on funds invested in the company's operations. The Free Cash Flow (FCF) valuation shows what cash is available to all investors, including shareholders and creditors, after operations and investment activity. And the Discounted Cash Flow (DCF) is a standard industry method that values the future cash flows for a given period of time at their present-day value.
Cap Table
The cap table is one of the basic elements of a young company or startup that carries data on securities along with the distribution of the share of those securities for each investor. This takes into account the passage of time and other factors necessary for the accuracy of the calculations.
Development scenarios
Would you like to start a business? Or perhaps you already have a business and want to evaluate several development options for it? You should have a financial model for startup with a collection of basic financial statement template and proformas for calculations to aid in the financial analysis of your business's development scenarios.
The process of evaluating the company's numerous development prospects from a financial standpoint might be difficult:
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- You'll also need to figure out how much money you'll need to get started, as well as how much money you'll need in the future.
- You should be able to calculate your project's break even analysis calculation.
- You must evaluate many eventualities on a short-term and long-term basis.
As a result, we believe our financial plan template for business would be of interest to you.
This financial projection template excel includes all financial computations tailored to businesses. Inside, you'll discover proformas for all financial reports and computations you'll need to assess the financial viability of various projects and scenarios.
Locksmith Business Plan
30+ Pages
Investor/Bank Ready
Industry Research


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Pete Davidson and Kim Kardashian shared their first kiss during a Saturday Night Live sketch with two dressed up as Aladdin and Jasmine. Although it's been almost a year since the sketch, Davidson still has kept the memory of that moment close to the chest.
In a new set of photos posted on Kardashian's Instagram, the couple showed off Davidson's chest tattoo, which features the names "Jasmine" and "Aladdin." The design also features the infinity sign, indicating that the couple's love is eternal.
The Aladdin reference isn't the only tattoo dedicated to Davidson's girlfriend. He also has "KNSCP," Kardashian's first initials, alongside those of her first children's names. Davidson also has Kardashian's name branded on his chest.
Kardashian began dating Davidson late last year. She recently has been declared "single" following her divorce from rapper Kayne West. As for Kardashian and Davidson, it seems their love is becoming a true fairy tale.
What do you make of Pete Davidson's tattoo? Sound off in the comments section below.


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When this concept was first introduced to me I thought this was a real off the wall approach. Here I envisioned erratic sabot release that should throw groups all over the place and erratic bullet flight.
Boy was I proven wrong from my own target results and was really impressed.
So what is the purpose for bullet knurling?
1) To create a better gripping bond between copper jacket bullet and sabot. Smooth on smooth is not the best bond between the two.
2) Knurling bullets for increased diameter for better load resistance fit to bore.
When you examine the bullet and look at the area of bearing wall length (straight wall) that varies with bullet size and design that is all that grips the sabot and is utilized to spin that bullet at thousands of RPM for flight stabilization. Now if the bullet has good obturation qualities then the majority of the time this is not an issue. But take a poor obturation quality of an all copper bullet then this could be another story. To go a step further some copper bullets have cut grooves reducing the grip area even more.
If I had to choose one bullet for hunting all size game in North America the 275-XPB from Barnes would be my choice. For moose hunting this would be IMO an optimum bullet to use. Now try and get a stabilized flight for accuracy without knurling.
Yes this bullet is pricey by most standards but what price do you put on taking down a moose more efficiently?
Yes knurling is another step that can be a little aggravating that most shooters dont want to be bothered with and understandable. If you want ensure sabot grip to bullet or in some cases need a tighter fitting load by slightly increasing the bullet diameter knurling is a viable option that does not appear to hinder accuracy.
For light knurling a coarse file rolled over the bullet is all that is needed. Of course downward pressure on the file is also required. The file doesnt simply dig quickly into the copper so fear of quickly over knurling is not warranted.
The value of knurling to me is that every bullet I use or try to use gets knurled so possible slippage is never considered when my groups are not responding to my expectations.
This thread is intended to reveal possible improvement with accuracy when shooting sabot loads. Whether you use this information or not is up to you and is an open option if you are looking for a better possible or dependable response from your sabot/bullet loads.
knurled bullets.jpg


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When you look up in the sky, you probably don't think about all of the atmospheric layers. This lesson will explore these layers in the atmosphere. Then, we will examine how data is graphed for the atmosphere in thermodynamic diagrams.
Earth's Atmospheric Temperature Profile
When you hear the word 'profile,' you probably envision a social media site with a profile picture along with a bio about your likes and dislikes. Just like you have a profile, so does the earth.
No, the earth isn't logging onto social media sites, taking selfies, and writing about its likes and dislikes, but, like your profile and bio, the Earth's Atmospheric Temperature Profile still tells you a lot about the earth. And, while your profile may look like this, the earth's atmospheric temperature profile looks like this (see video).Specifically, this profile tells you the temperatures for different layers of the atmosphere. These layers are divided up based on differences in temperature, chemical composition, densities, and movement.
Let's take a moment to identify the different atmospheric layers based on temperature.
Atmospheric Layers
You might think that the layers of the atmosphere get colder the further away from the earth's surface you go. And, you'd be partially right. But, the truth is that temperature both decreases and increases as you ascend the atmosphere.
Let's start by looking at the layers based on altitude, or how far away they are from the earth's surface.Let's start with the troposphere, which is the layer closest to the earth. Here, the temperature decreases as you gain altitude because the air is heated from the ground. On average, the temperature at sea level is about 15 degrees Celsius and drops by about 6.
5 degrees Celsius for every kilometer you ascend. By the time you reach the top of the troposphere, the temperature plummets to about -57 degrees Celsius in most places. Now, this is all based on some specific criteria, but that's another lesson!If you kept ascending you'd reach the stratosphere. The stratosphere is located from about 11 to 48 kilometers off of the earth's surface, and the temperature increases from the cold upper layers of the troposphere to about 0 degrees Celsius.
See, I told you the temperature doesn't always decline as you ascend. You can see this temperature increases on the atmospheric temperature profile.After the stratosphere is the mesosphere, where the temperature declines again. In fact, in this layer of the atmosphere, the temperature keeps declining as you ascend finally reaching -90 degrees Celsius.
Brrrr….Finally, we have the thermosphere, which is about 55 kilometers above the earth's surface and goes until 500 to 1,000 kilometers.
Again, the temperature increases in this layer, which you can see on the temperature profile. Depending on the time of day or night, the temperature fluctuates from 500 to 2,000 degrees Celsius! Wow! It's hot up there!
Thermodynamic Diagrams
Now that you have an idea of how the temperature changes as you ascend in the atmosphere, let's take a look at thermodynamic diagrams, or diagrams that examine temperature, pressure, moisture, and wind in the atmosphere. Thermodynamic diagrams look really confusing with lines running all over, and it takes some practice to understand how to read them.
There are several different types of thermodynamic diagrams, including the Stuve diagram, the emagram, the Skew-T, and the tephigram.The Skew-T is the graph that is most utilized in meteorology, so that will be the focus of this lesson. Data is obtained for the graph by releasing weather balloons in the atmosphere. These balloons transmit data to weather stations and help meteorologists predict weather, like thunderstorms.
First take a moment to note the axes (see video). You have pressure in millibars, temperature in degrees Celsius, and altitude in kilometers. Different Skew-T graphs show a myriad of information, but the graph we will focus on in this lesson shows isotherms, potential temperature, equivalent potential temperature, saturated mixing ratio, and isobars. We will plot temperature and dew point temperature on this graph shortly, after we go over what these new terms mean!In order to fully understand the graph, let me give you some background information on the adiabatic process, which states that as air ascends, it cools due to less pressure.
Obviously, based on what you learned about the atmospheric profile, this only occurs to a certain point. In order to illustrate this idea, think of a balloon that ascends in the atmosphere. At the earth's surface, the pressure exerted on the balloon keeps the balloon a certain size. As the balloon ascends, less pressure is exerted, so the air inside the balloon starts to expand, expanding the balloon. Eventually, the balloon will explode because the molecules inside the balloon will spread out so much, the balloon's rubber cannot contain them.
Okay, back to our parcel of air. Heat energy is exchanged when molecules collide into one another. When the molecules are closer together, as seen at the earth's surface, they collide more often. When they get higher in the atmosphere, they spread out so they collide less. With fewer collisions, there is less heat energy, therefore, the parcel cools.So, with that information, let's examine the graph more closely (see video).
Let's start with isotherms or areas of equal temperature. On this particular graph they are represented by red lines. You'll notice these temperature lines are angled or 'skewed' (hence the name a Skew-T graph).There are solid green lines on the graph, which represent the potential temperature. This is the temperature the air would be at if it underwent the adiabatic process to a given pressure. For example, what would happen to the air parcel if it ascended or descended to a certain pressure.Next check out the dashed green lines, which represent the equivalent potential temperature, which is the temperature of the parcel of air assuming two stipulations.
The first is the temperature if all of the water vapor has condensed out. The second is that the parcel of air is at a certain pressure, specifically the pressures at sea level.The dashed purple lines represent the saturated mixing ratio.
That just means how much water vapor the air can hold at a certain temperature. Typically, the warmer the air, the more water vapor it can hold.The blue lines are the isobars.
You notice they are running from left to right, and these are equal areas of pressure.I know that was a fast explanation on the Skew-T, but hopefully it gave you enough background so we can briefly talk about how you plot data. We are going to plot temperature and dew point, which is the point where water vapor condenses and evaporates at the same rate.
Plotting Data
So far you've seen a blank Skew-T, but let's add some data. You can get data off of the internet at various sites. Here is some data obtained from the University of Wyoming Department of Atmospheric Science for Barrow, Alaska, on June 11, 2015.
|Pressure (mb)
|Temperature (degrees C)
On your Skew-T, find 1005 millibars.
Next, the corresponding temperature is -1.7 degrees Celsius, so find that point. You'll notice that the temperature is skewed, meaning the red lines veer off to the right. So you'll need to follow that red line to get the right point.Now place a dot where those two lines meet. You'll notice we are using red. Temperature is typically plotted in red.
Let's practice plotting a couple more points for Barrow, just so you get the idea.
|Pressure (mb)
|Temperature (degrees C)
So, just like for the first set of data, find 1000 millibars and -2.1 degrees Celsius, and place a dot where those two meet.
Next, do the same for 968.8 millibars and -4.2 degrees Celsius.If you continued this for all of the data points, you would have the temperature graphed on your Skew-T for Barrow. The temperature is usually plotted in red. For the sake of time, we won't graph all of it.The other thing often plotted on the Skew-T is dew point, which is usually plotted in blue.
Just like temperature, there are numerous websites that provide dew points for different weather stations. Let's stick with Barrow. Here's the data:
|Pressure (mb)
|Dew Point C
Just like before, find 1000.5 millibars and -3.3 degrees Celsius, and place a dot at these points.
Next, find 1000 millibars and -3.5 degrees Celsius, and place a dot.Finally, locate 968.8 millibars and -4.8 degrees Celsius, and place a dot.
You connect these dots with a blue line. Of course, there are many, many more points, but you get the idea.
Lesson Summary
That was a whole lot of information, wasn't it! It takes time to understand Skew-T graphs, but hopefully this gets your foot in the door.
In this lesson, we explored the Earth's Atmospheric Temperature Profile, which means the temperatures for different layers of the atmosphere. The earth's atmosphere is made up of different layers, each with unique properties. Most people assume the temperature slowly decreases as you ascend in the atmosphere, but that isn't always the case.The troposphere is the layer closest to the earth, and the temperature decreases as you ascend in this layer. Next is the stratosphere, and the temperature actually increases in this layer. Next is the mesosphere, where the temperature declines, and finally the thermosphere, where the temperature increases again.Thermodynamic diagrams allow meteorologists to look at many properties of the atmosphere, including temperature, pressure, moisture, and wind.
The most common thermodynamic diagram used is the Skew-T, which looks like a bunch of confusing crisscrossing lines. But, each line has a specific meaning. For example, a Skew-T graph shows isotherms, potential temperature, equivalent potential temperature, saturated mixing ratio, and isobars. You can use websites to get raw data that you can plot on a Skew-T graph. Types of data you can plot include temperature and dew point.


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Rear Left Axle Shaft (15156) FITS 05-09 Ford Mustang
Product Title: Rear Left Axle Shaft (15156) FITS 05-09 Ford Mustang | Brand: Alloy USA | Model: 15156 | Retail: $205.28 | Item Weight: 22 lbs | Product Dimensions: 46"x 7"x 7" | Item Model Number: 15156 | Manufacturer Number: 15156 | OEM Part Number: 15156 | View Instructions: n/a | CALIFORNIA RESIDENTS: California Proposition 65|
Product Description
Alloy USA is a manufacturer of performance drivetrain products, high strength axle shafts and kits, performance ring and pinion sets as well as trick problem solving products. We specialize in Jeeps, Chevy muscle cars, Mustang, GM, Ford and Dodge trucks. We have over 30 years experience in the performance market, and we know what works and how to make it. We also know how to keep the costs under control, so we can provide High Quality products at a fair price.


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We offer the opportunity to generate SSL certificates easily for any domain.
We are Santy Designs' own website that offers free and premium hosting.


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These white poppy seeds (Khashkhash) are bursting with bold, nutty flavor and have dozens of popular applications. They are used in savory and sweet recipes alike, a multidimensional ingredient that adds a nice little crunch and a bit of sweet, nutty flavor to whatever it they are added to.Try adding a few pinches to other favorites like pancake batter or salad dressing.
Poppy seeds have a fixed oil content of 40% to 60% that is mostly unsaturated fatty acids like linoleic acid. A single poppy seed serving (1 tbsp) delivers 13% of the daily recommended value of calcium, and boosts your daily intake of iron, magnesium, manganese, phosphorus and zinc, as well.


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Vermont Gage Miscellaneous Gages
Inspect Inch Hex Gages – ASME B18.3
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While the funding grows more affordable that is crucial for enterprises so you're able to expand, industry today is flooded with many signature loans too given that providers loan alternatives.
However, whether or not you ought to choose for a corporate mortgage otherwise good unsecured loan are difficult as response is never simple. Very the following is an in depth review so you're able to build an informed choice.
Signature loans would be easily accepted for those who have a good credit score and will inform you a steady stream of income. In terms of business loans, good credit is an essential factor to qualify for the same. You may want to have to let you know what number of many years your business has been doing the industry and adequate yearly cash.


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As I stood in front of a crowd of so many that the number boggles my mind. The ladies working at Barnaby's of Aston said "We have never seen a party this big before ". We stood together for one common goal. A CURE FOR CHILDHOOD CANCER! As I stand talking to all of you it's clear to me. Eli Seth Matthews Still touching hearts from heaven! As those words are tattooed on my chest have so much meaning to them . As the Father and President of the Eli Seth Matthews Leukemia…a Foundation I stand there saying thinking to myself . "Eli look son this is for you". The words " Paul we sold out of the calendars". WHAT!!!!! This has never happened touches my heart. More will be ordered on Monday so stop by Bone Daddys-Tattoo in Aston, PA for yours. So to every Eli Warrior that came out to support the Bone Daddys-Tattoo Calendar for a Cure I thank you. To all of the ladies that took the time to grace the pages of this truly amazing calendar I thank you. To Jay Cunliffe, Nate Cook, John Pohl, and Craig Blankley I cannot thank you enough. You guys are truly remarkable tattoo artist, and friends.
Friday night November 20th from 7pm to 10pm. Come join us and buy one of our calendars filled with beautiful tattooed women! All proceeds donated to the Brave Eli foundation, which helps fight childhood cancer. Drink/food/calendar specials available. $40 gets you a "Calendar for a Cure", 3 hour open bar including wine, draft beer, well drinks and soda, as well as hot delicious food! Or purchase a calendar by itself for $20. Prizes, giveaways, raffles and lots of fun. Help fight this terrible disease along with Bonedaddys Tattoo and Barnaby's Aston. Don't miss out!!!
Photography by
Justine Pino McKone at Twisted Oaks Studio
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Asking Alexandria
Sep 7, 2014
The English band, Asking Alexandria, latest single is entitled "Moving On" and it is from their From Death To Destiny album via Sumerian Records. This rock ballad got a huge showcase over the summer as the band played it during their main stage run on the Mayhem Festival. The album sold 41,000 copies in the United States in its first week of release to land at position No. 5 on The Billboard 200 chart.
Asking Alexandria guitarist Ben Bruce says, "For the first time in our careers, we are showcasing ourselves in the most sincere light possible. No drugs, no partying, no script and no bullshit. It's just the five of us completely vulnerable. No matter what the circumstance, being away from those you love and care about is very difficult and drags you down. Luckily for us, we have incredible fans that love and support us and help us through our toughest times."
They were founded in North Yorkshire in 2008, when Ben Bruce contacted his old companions after returning to the UK after living in Dubai. The current line-up of the group consists of Ben Bruce (lead guitar), Danny Worsnop (vocals), Cameron Liddell (rhythm guitar), Sam Bettley (bass guitar) and James Cassells (drums).
Asking Alexandria have a busy tour scheduled for the Fall throughout Europe. They toured as direct support to Korn and began 2014 embarking on the Soundwave Festival tour of Australia, alongside Green Day, Avenged Sevenfold, Alice In Chains and A Day To Remember.


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Balancing Hedgehog Game Wooden ToyEgmont Toys
Write a review
Have lots of fun trying to balance the fruit on the hedgehog's back!
Requires steady fingers to promote hand-eye coordination and fine motor skills.
This game can be played on your own or with friends!
How to play:
- Carefully place the fruits one by one on the back of the hedgehog.
- If the hedgehog tips over, or the fruit fall, then you are eliminated.
- Continue to stack the fruit until none are left or all other players have been eliminated.
- The hedgehog rocks back forth adding an extra challenge.
Encourages concentration and critical thinking.
Age: 3+
Pieces: 13
Contents: 1 wooden hedgehog and 12 wooden 'fruit' pieces
Dimensions 18 x 13 x 3 cm


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Customized essays have become very common these days. They can serve as a tool to communicate better with your readers or even to flaunt before your academics. There are many things you want to learn about getting custom essays written for your use. It doesn't matter whether you want to write one for a course, use it to get an article, or even promote it through your school or company. Here are some important tips you should think about.
If you need custom essays, you need to prepare them beforehand. Most writers would take a minimum of two hours to create a rough draft. A professional essay writing service can relieve you from a lot of pressure. The right one would fulfill some important requirements! It's also wise to go for an essay service which offers 100% original essays. This is a vital requirement, since the uniqueness and significance of your content actually rely on it.
A fantastic writing service will not have any issue with creativity, plagiarism or other similar specifications. This means that your custom essays ought to be entirely unique, with absolutely no similarity to some other piece of writing. The top writers can produce custom essays which are entirely unique, which is something that you cannot do if you try to write in line with the style of each and each writer. Because of this, the material will lack the quality and the uniqueness will probably be missing.
A good study writing service makes sure that custom essays are prepared based on a certain deadline. Normally, the customers are given a certain time limit to prepare the essential content, but you must make sure that the time frame is reasonable. In case you have the impression that the author has a tight deadline, then it might be better to not employ him/her. There are a number of writers who will only meet deadlines should they feel they're at risk of not fulfilling them, so you have to make sure this isn't true with your author.
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1 thing to consider when purchasing custom essay papers from a writer is whether they charge by the page. Lots of people think that should they have a tight deadline to meet, they need to buy custom essays on the internet. In the long run, you want to have the ability to compose the best parts of literature possible, and should you require a great deal of material sent for you in a brief period of time, then you might need to buy the faster shipping choices. On the other hand, you can purchase essay papers in bulk and arrange for them to arrive in the mail after the deadline. This gives you enough time to properly proofread and edit them.
So, these are the things you need to take into account if you intend on purchasing custom essays from a writing services firm. You ought to have a set deadline to meet and have an notion of just how much you really want to spend on the writing solutions. Also, if you're able to pay by the page, then you should be OK. If not, then you need to discover a corrector catalan writer who will submit multiple customized essays to you and be sure the turnaround time is nominal. Now you know what to do!


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Mammut Ice Axe Spike Protection
If you have an ice pick attached to the avalanche airbag backpack, make sure the airbag is protected from the spike of the ice pick. If you are caught up in an avalanche, the spike could damage the avalanche airbag. Our spike protection can be fixed to the most common spikes to protect the avalanche airbag from damages.
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What is a Social Sale Rep?
The sale web page does not expose too much details about this service. According to the info offered, Social Sale Rep is an on the internet platform that aids to begin with associate marketing by means of social networks.
It's for individuals who are seeking either permanent or part-time earnings.
To me, this offer is a little bit as well reluctant. In my point of view, you require far more details than it is provided on the main web site below.
Social Share Rep Official Site
Unlike numerous other sales web pages around for different online businesses, Social Sale Rep does not look like a rip-off at first. There are no typical indications like overhyping gaining claims, or phony endorsements as well as fancy sales video clips.
Nonetheless, that does not mean that this is legit. For instance, I reviewed a website called 3 Action Method, which looked extremely comparable, yet turned out to be a scam.
One of the things that trouble me about the Social Sale Rep site is that there are no details regarding the history of the firm (if it even exists).
Likewise, there is nothing else means to examine that possesses the website, since the About me web page is not disclosing way too much.
The details from the site says that this is a platform developed to attach vendors and our social media consultants most effectively as well as successfully possible.
Simply put, they aid people to get going with affiliate marketing company.
Currently, the fact that Social Sale Rep shows how to start with associate advertising is a good indication. It's a genuine company model that 1000's from all over the world use to make $2,000, $5,000, and also $10,000+ monthly!
That stated, allow's see whether this training could obtain you there or Social Sale Rep is a fraud after all.
Is Social Sale Rep Legit?
Like the majority of online money-making programs, you most likely assume it's a fraud and I can not blame you. That was my impression also. My thought Social Sale Rep would be similar to well-known rip-offs like JustEarn or Cash Genie.
So, I was shocked to find out that Social Sale Rep is really official. However, that does not suggest it's what you anticipate it to be, or what you desire it to be though.
Let me describe …
There are 3 elements to Social Sale Rep (for the objective of this description).
- The Social Sale Rep advertising and promo project
- The Social Sale Rep program/course
- The Social Sale Rep live chat aide work
The program and the work are actual, and I'll go over both of those further below.
The marketing and also promotion, nonetheless, are what I would certainly call "optimistic.".
For example, if you've come to Social Sale Rep through their survey web page (revealed below), it states they'll locate you the ideal on the internet job in less than 5 mins.
Social Sale Rep Introduction.
That's partially real. They will provide you with a list of remote work opportunities, yet there's a catch …
… you need to obtain them.
This resembles another on-line job system called ClickEarners.
There might be hundreds of various other candidates obtaining the exact same work, and a lot of them might be much more qualified than you. So, although they may have located your ideal work, that does not suggest it's your own.
You might obtain worked with quickly. Nonetheless, you might likewise find yourself making an application for loads of positions, a few of which pay substantially less than $25 per hour.
As well as you may not obtain an action.
Likewise, you are not hired directly by Social Sale Rep, neither are you a Social Sale Rep live conversation aide. The actual jobs are legit, but they are separate from the program. They are tasks discovered on various freelance systems and work boards like Certainly, Upwork, and also Just Employed.
So, if you obtain worked with, you'll be helping another company unrelated to Social Sale Rep.
If that's not what you were getting out of Social Sale Rep, and you were looking for something less complex, survey sites like Survey Addict and Inbox Dollars are a much easier means to generate income online.
Naturally, remote work posted on work boards are most likely to pay even more, however studies are a great method to make a few bucks between tasks as well as additionally while waiting to get employed.
If what you desire, is a bigger income, an online organization might be what you want.
You may be at home with children or have health troubles that make a regular task testing.
If that's the case as well as a full-time income online is what you desire, knowing how and also where to start is what you require so as to get what you desire.
Is Social Sale Rep a Fraud?
Well, I wouldn't reach to state it's a fraud because there is the potential to earn money as a result of following their training … Yet I will certainly say that it's unlikely you'll in fact see any earnings.
Regarding I'm concerned the whole point is just also misleading & too hyped up so if you do buy into it then you will likely simply find yourself dissatisfied at what you obtain since your expectations will be established a lot higher.
For that reason, I'm not mosting likely to be suggesting the Social Sale Rep internet site to you since in my point of view there are better methods to start online, ways that are in fact shown to give outcomes.
The good news though is that the product is really being marketed with ClickBank so if you take place to buy into it & don't like what you obtain after that you must stand a likelihood of getting your refund by speaking to ClickBank straight.
Anyway, that's all I have actually directly reached claim concerning this program however if you do take place to have any type of additional comments or inquiries on your own then do not hesitate to leave them below & I'll respond as soon as I can.
Exactly How To Generate Income With Social Sale Rep?
As assured, one of the most essential paragraph of my Social Sale Rep testimonial is finally right here.
Gaining online with the system is rather straightforward really as well as everything boils down to your working procedure:.
You'll be handing out free books.
Nowadays, digital books are a central advertising device for marketers and also business owners.
There are so many methods books can be made use of to progress any type of online service.
As an example, bloggers are giving them away as free offers– that assists with building an email list quick.
Given that you won't be a blog writer, allow's concentrate on exactly how these giveaways will certainly work for your advantage:.
Well, it will certainly benefit you due to the fact that it will profit your target market.
Think about your readers as well as what was your method to free books when you made use of to be one.
Will you say no to a cost-free item that will address your inquiry or fix an issue for you?
Or maybe it will bring you a specific amount of value you require currently?
Bear in mind, you're not paying anything right here.
Personally, I have no idea the number of complimentary e-books, PDFs, and also comparable products I have actually overcome the years. If they're pleasing my demands right now, why should I hand down them?
As well as right here comes the fascinating part:.
Most of the time, there are services or products that will settle a reader's problem entirely.
When the free eBooks you're providing present this remedy to your viewers, the possibilities for associate sales are numerous.
Each of the eBooks you'll get from Social Sale Rep will have your associate web link to a relevant product within– which's just how you'll generate income thanks to the system.


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We believe that the growth of e-commerce and the rise of new small-medium businesses ("SMBs") will be tailwinds for Adyen N.V. (ADYEY, ADYYF) in the next few years. Adyen's broad local payment methods and competitive pricing will pave the way for the company to penetrate fast-growing markets and acquire SMBs. In addition, we like Adyen because it is growing at an incredible rate, a profitable, cash-generating business, and running at a respectable ~30% ROAE. However, the stock at its current price does not provide a sufficient cushion for investors.
Since the so-called digital age arrived, consumers increasingly have accepted online payments as they become easier to use. Online shopping is here to stay, and Adyen, a Dutch payment company, offers an end-to-end integrated payment solution for businesses. But what is the problem that Adyen is trying to address?
As demand for online payments has mushroomed, payment processors have begun to acquire payment gateways – i.e., a web-based network that serves as a "gatekeeper" between a customer and an acquirer (the merchant's bank account) – and integrate them into their value chain. Yet, this was easier said than done. Those acquired gateways must be "fitted" into the legacy infrastructure of a payment processor. Other functions, such as fraud detection, were provided by standalone companies, thus creating inefficiency within the whole value chain.
This is where Adyen comes into play. Rather than plugging separate payment functions into a value chain, merchants can utilize Adyen as their gateway and acquirer. It is essential because merchants seek a leaner and cleaner payment infrastructure that offers a seamless, high-quality experience. For instance, eBay (EBAY) cited "a more seamless experience" as one of the reasons it went with Adyen.
How does Adyen monetize its business? And what are the primary costs that Adyen must pay for its operations? In general, the fee structure within the value chain is listed as follows:
Hence, being an all-in-one solution provider, Adyen can capture a larger share of payment value chain revenues.
Adyen initially focused on enterprises. Yet, to capture the underserved SMB market, Adyen launched Adyen for Platforms, an end-to-end solution that allows online platforms, such as eBay and Etsy (NASDAQ:ETSY), to control the full payment stack. As a result, the company changed its reporting structure (see Figures 2 and 3).
While the digital segment made up the biggest share in total processed volume, the Platforms segment is catching up, bringing in €48 billion as of 1H22. eBay brought in considerable volume to the Platforms.
During the 1H22 earnings call, the management said that:
We strongly believe that a lot of SMBs are underserved by the traditional financial institutions, and those platforms are often the trusted partner for those SMBs. And what we can do is power them with other financial products, other financial products like capital, bank accounts, but also issuing. And we see this as an opportunity to serve the SMB market. So, we're in a really good place there.
Adyen's current strategies include: 1) ramping up investment in its unified commerce segment; 2) addressing the underserved SMBs; and 3) expanding globally. Adyen launched its first in-house designed terminals (the NYC1 and the AMS1), allowing businesses to customize their payment flow.
In addition, Adyen introduced Tap to Pay on iPhone. Vince, G-Star, Scotch & Soda, and NIKE (NYSE:NKE) are the first adopters of the Tap-to-Pay service.
But Adyen is looking beyond the role of traditional payment service provider: the company launched embedded financial products to cater to the underserved SMBs.
To capitalize on this banking-as-a-service opportunity, Adyen has developed an innovative suite of financial products comprising cash advances, business bank accounts, and card issuing. Together with embedded payments, these power the future of financial services by enabling platforms to deliver superior financial experiences to their SMB users.
Platforms will be able to offer bank accounts and financing opportunities for their users. Furthermore, platforms can provide their customers with physical or virtual payment cards through Adyen Issuing.
We believe more financial products delivered to customers could help platforms build stickiness.
According to McKinsey:
Deposit and payment products are attractive to distributors not only because they represent substantial revenue pools and promote stickiness, but also because they are a powerful tool for building customer relationships and capturing customer data that can be used to inform underwriting decisions for future higher-margin lending products.
Lastly, Adyen is looking to diversify its revenue from the European market. For example, net revenues from the North America and APAC markets grew more than 50% (Y/Y) as of 1H22.
Furthermore, the company is ramping up hiring and investment in the Asia-Pacific, as it continues to diversify its revenue from the European market.
However, is the industry expanding? What is Adyen's competitive differentiation?
The global pandemic has changed the way we buy things. Research by McKinsey shows that the share of e-commerce as a percentage of total retail sales grew two to five times the rate pre-COVID in 2020. In 2021, retail e-commerce sales reached $5.2 trillion and are expected to reach $8.1 trillion by 2026.
Even as the world is slowly back to normal, McKinsey noted that e-commerce is here to stay, for cash usage only increased 1% in 2021 from a 15% decline a year earlier. Data from Statista suggest that e-commerce share as a percentage of total retail sales will be up from 19% in 2021 to 24% in 2026.
Furthermore, layoff sprees and global economic slowdown might encourage people to start businesses, in our view. In the early days of the pandemic, people losing their jobs decided to open new businesses: more than 550,000 business applications in the U.S. in July 2020, almost double the number a year earlier. The reopening of the economy did not stop people from being self-employed.
Furthermore, a Google trend on the keyword "start business" in the U.S., for example, started to pick up in 2020, and the trend remains elevated.
As a result, we believe the rise of new of SMBs and the growth of e-commerce will be Adyen's tailwinds in the next few years.
Nevertheless, Adyen is not the only player in the industry. For example, Stripe and Block (NYSE:SQ) have intensified the competitive landscape, processing hundreds of billion dollars of transaction volume annually.
There is not much information about Stripe's historical operating metrics, but the company recently reported that it processed $640 billion last year, a 60% increase from 2020. Adyen came second with €516 billion, and Block brought in $168 billion in gross payment volume. In the last five years, total aggregate volume of Adyen and Block grew 51% and 28% per year, respectively.
Stripe caters to the start-ups and smaller merchants, and it was not until the launch of Stripe Connect in 2012 that Stripe begun to serve marketplace and platforms. According to the Wall Street Journal, Shopify (NYSE:SHOP) reportedly has invested more than $350 million in Stripe and is one of Stripe's largest customers.
Unlike Stripe, Adyen first focused on enterprises and expanded its product offering to platforms. Yet, like Adyen, Stripe is transforming from a sole online payment processor to a banking-as-a-service provider, offering financing, card issuance, and treasury services.
On the other hand, Block offered a POS solution to retailers before expanding its wings online by launching Square Market. In 2013, Block launched its Cash App service, a peer-to-peer payment service. Last year, Block acquired Afterpay Limited–a buy now, pay later platform–for a staggering $29 billion to "accelerate Square's strategic priorities for its Seller and Cash App ecosystems."
Block offers financial products through Square Banking. For example, Square rolled out Square Loans addressed to small businesses in Australia.
Square Banking represents a major milestone in Square's continued efforts to expand access to financial tools for underbanked populations and marks the beginnings of the company's journey to provide more banking solutions to small businesses.
So, we see a trend: payment processors are eyeing the SMB market and providing embedded financial products.
But what is Adyen's competitive differentiation? How can Adyen penetrate fast-growing markets and acquire SMBs?
1. More Local Payment Methods
We compared what payment methods Adyen and Stripe clients can offer to their users and found that Adyen provides broader local payment options. For example, Adyen is available for digital wallet customers in Indonesia (DANA, DOKU Wallet, and GoPay), Malaysia (Boost Wallet and Touch 'n Go Digital), Philippines (Gcash), Vietnam (MOMO), South Korea (KakaoPay and PayCo), and Portugal (MB WAY).
Notice that the digital wallets that Adyen offers are predominantly from the APAC market. Indeed, research by Worldpay shows that digital/mobile wallet was by far the most preferred payment method for e-commerce (69%) and POS (44%) in 2021, and the shares are expected to increase to 72% and 56%, respectively, by 2025.
Players have been eyeing the promising, fast-growing APAC market. Stripe, for instance, has established its presence in Singapore and Malaysia and set up a 12-month expansion plan around Southeast Asia. GlobalData's survey also suggests that Afterpay owned about 8% of the Australian e-commerce market in 2021. But we believe that Adyen's broad local payment options will pave the way for Adyen to acquire potential merchants in the APAC market.
2. Competitive Pricing
Furthermore, we believe that Adyen's competitive pricing will allow the company to attract SMBs.
Stripe and Square charge a flat processing fee for their clients, while Adyen employs the so-called interchange++ pricing model. In short, instead of charging flat fees, Adyen charges its clients based on what they actually pay because interchange and scheme fees vary depending on countries and payment methods (debit or credit, online or POS).
For illustrative purposes, suppose a customer purchases goods from a European merchant with a credit card issued by a European bank. The estimated fees for merchants using Adyen will be as follows:
|Regionality caps in EEA
|Processing Fee
|Interchange Fee
|Acquirer Fee (min)
|Scheme Fee (Visa)
|Estimated Total Fees
|€0.1 + 1.04%
|€0.1 + 1.04%
|Interregional card-present
|€0.1 + 1.04%
|Interregional card-not present
|€0.1 + 2.24%
In comparison, for card-not present (online) payments:
|Type of Cards
|Fixed Fee
|Variable Fee
|Total Fees
|EEA Cards
|€0.25 + 1.4%
|International Cards
|€0.25 + 2.9%
|EEA Cards
|£0.25 + 1.4%
|International Cards
|£0.25 + 2.5%
Adyen's interchange++ pricing is competitive if the interchange fee is capped, like those in EEA (European Economic Area) and Malaysia. Yet, we believe that Adyen's competitive advantage starts to erode in countries that do not cap their interchange fees. For instance, Adyen charges a processing fee of $0.12 plus a 3.3% + $0.1 payment fee for American Express (NYSE:AXP) card users. In comparison, Stripe and Block charges 2.9% plus $0.3 for card-not present.
Adyen is growing at an incredible rate: the company processed €66 billion in 2016, and the number grew almost seven-fold in the next five years to more than €500 billion. Adyen's take rate has been declining, but it is as expected once the company brings in more volume. The management expects net revenue to grow mid-twenties and low-thirties annually in the medium term.
EBITDA margin took a dip as of 1H22, and it is well below the company's long-term margin guidance at above 65%. The company implied that hiring and investment would put pressure on margins. But the management said that the company plays a long-term game. Therefore, short-term guidance is unlikely to be relevant.
Interestingly, while Adyen accelerated its hiring, Stripe cut 14% of its workforce early this month, citing macroeconomic challenges and over hiring as the root causes of the layoff spree. Block also announced that it had slowed down hiring and would reduce its investment by $250 million. Previously, Stripe had 8,000 employees, and Block employed 8,520 people in 2021. In comparison, Adyen's full-time employees were around 2,500 as of 1H22.
In addition, we like Adyen because it grows rapidly, is a profitable, cash-generating company, and running at a respectable ~30% ROAE.
Adyen's stock peaked last year before dropping to under $12 per share. Indeed, macroeconomic challenges and a rising interest rate environment have put pressure on tech stocks, especially those with rich valuations.
Although we like Adyen, the stock appears unattractive at the current valuation. Adyen is trading at 45x and 67x of its forward EBITDA and earnings, respectively.
Furthermore, our 10-year discounted cash flow ("DCF") model suggests that the 12-month fair value per share estimates range between $13 and $26, with our base case scenario estimate standing at $18 per share (12% upside). However, after applying a 30% margin of safety, we believe that the current price does not offer an attractive buying opportunity.
Indeed, our base case assumptions are slightly conservative, as we expect net revenue to grow ~29% annually in the next five years, lower than what the market expects (30% per year). While we believe Adyen is better positioned to penetrate the APAC market and acquire SMBs thanks to its broad local payment methods and competitive pricing, the industry is highly competitive, with players heading to the same direction.
We calculate a WACC of 9.4% and assume a terminal growth of 3.0%. In addition, we assume the $/€ currency will return to 1.1 next year from the current level of 1.04. Therefore, we conclude the stock will be attractive if it hits ~$13 per share.
Please note that the payment industry is highly competitive, and a trend is already there: targeting SMBs and evolving to banking-as-a-service providers. As a result, Adyen might not be able to sustain its growth.
Adyen is a new player in the platform market, compared with Stripe that has more experience under the belt. Most volume in Platforms still stems from eBay after it decided to use Adyen as its primary payment provider back in 2018. Moreover, while we believe that Adyen's financial products could help platforms build stickiness, the management said that it would take time before those products start to generate significant revenues.
Looking forward, we believe that the e-commerce growth and the rise of new SMBs will be Adyen's tailwinds. Adyen's vast local payment methods and competitive pricing are key differentiators when it comes to penetrating fast-growing markets and acquiring SMBs.
We like Adyen, as it is growing at incredible rate, a profitable, cash-generating business, and running at ~30% ROAE. Yet, at the current price, Adyen's stock does not provide a sufficient cushion. Being in a highly competitive industry and its lack of experience in catering to the platforms and SMBs are key risks that investors should consider. In conclusion, we rate the stock as "HOLD." If you have any thoughts, please do not hesitate to comment below.
Editor's Note: This article discusses one or more securities that do not trade on a major U.S. exchange. Please be aware of the risks associated with these stocks.
This article was written by
Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.
Additional disclosure: Research reports are written based on analyst(s) analysis and expectations, and the analyst(s) must include sources for external data included in the analysis. The research analyst is not responsible for any inaccuracy caused by human errors. Still, Vektor Research will make sure, with reasonable efforts, to reduce such mistakes as minimal as possible. Please note that the forecasts do not guarantee any future performance. Vektor Research, along with the analyst(s), is not responsible for any loss, expenses, and the reader's decision-making, as we do not force readers to act towards any securities.


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Jabalpur (Madhya Pradesh): Farmers of Jabalpur district forced to plough their field with bullock cart as the diesel prices are continuously increasing in the state.
The farmers of the district having land between 1 and 5 acres have returned to the vintage mode of farming land with bullock. At the same time, farmers with more than 5 acres of land also somehow manage to use modern technology tractors and harvesters in their farming land.
Farmers said that because of the increase in diesel prices, the tractors which were available at Rs 400 an acre on rent six months ago, now the same tractor are available at Rs 700 to 800 an acre.
Farmers also said that most of the equipment used in farming works on diesel only. "Because of inflation the cost has been increased. Also, we do not have enough money, so we are using bullock carts for ploughing our field," farmer said.
(If you have a story in and around Mumbai, you have our ears, be a citizen journalist and send us your story here. )
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tag:blogger.com,1999:blog-690850457652849477.post4743218328635776225..comments2023-02-01T20:12:37.687-08:00Comments on Reasonably Well: A New BuddyJulia Oleinikhttp://email@example.com:blogger.com,1999:blog-690850457652849477.post-34874280702001295222019-02-09T15:58:58.841-08:002019-02-09T15:58:58.841-08:00Hi Julia, Nice to see you're getting to know ...
Hi Julia,

Nice to see you're getting to know the neighbours. It's nice when the wildlife just stops in for a visit isn't it. I had a close encounter with a wild brown hawk when I lived in Melbourne -he (she?) looked in my window just as I was looking out to see what was happening in my backyard. I'm pretty sure I got the bigger fright.
I'd be a little more circumspect with Mr Cougar email@example.com:blogger.com,1999:blog-690850457652849477.post-79660240216310244362019-01-27T13:16:39.989-08:002019-01-27T13:16:39.989-08:00Wow, Julia! Lucky you. Good omen.Wow, Julia! Lucky you. Good omen.Anonymoushttps://email@example.com


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Shown in this slide is a close-up view of three lions in a lion dance performance, probably at a National Day Parade. The one on the right has colourful stripes. In the background is the City Hall which is decorated with coloured flags. Title devised by Library staff. Date of creation estimated.
From the Kouo Shang-Wei Collection 郭尚慰珍藏. All rights reserved, Family of Kouo Shang-Wei and National Library Board Singapore 2007


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Barclays Wealth Asia hires from UBS
Barclays Wealth has hired a director from Swiss rival UBS in Hong Kong to lead a team of private bankers in its wealth management division.
Helen Pun will report to Joanna Chu, Barclays Wealth's head of North Asia, according to a statement.
Pun was previously responsible for key client coverage across Greater China at UBS.


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An international team
The IIID Mobility & Transport Forum has a track record of high-level presentations and interaction among experts from around the world. Our programme committee represents this global appeal and the core competencies relevant to this year's topic.
Robin Woods
Senior Consultant, Hampshire, UK
Robin is the world's most published transit map researcher-designer having travelled the world for 30 years visiting no less than 91 of the 114 city maps he has personally designed. His maps are published in travel guides in most European languages and have also translated into Chinese, Japanese and Russian. The maps are reproduced in a variety of different ways in over 1000 different products. His depth and wealth of experience in research and design in the field of transit mapping are a welcome addition to our team.
Veronika Egger
President-Elect IIID, Vienna, Austria
Veronika Egger is an information designer. She runs her own design consultancy (is-design in Vienna, Austria) focusing on inclusive information design for architecture, public transport and medicine.
She is co-founder of "design for all" in Austria, Board member of the International Institute for Information Design (IIID) and a life fellow of the Communication Research Institute (CRI).
www.isdesign.at / www.designforall.at / www.communication.org.au
Selby Coxon
Associate Dean of Graduate Studies
Faculty of Art Design & Architecture
Director Monash Mobility Design Labs
Selby Coxon is the inaugural director of the MADA hosted, Mobility Design Lab. His career spans thirty years in professional industrial design, research and higher education, most of which have been in leadership positions. Selby has wide interests in the mobility design space especially strategies to which design can enhance the passenger experience of public and active transport.
Yogesh Dandekar
Design head and founder. Sargdesignstudio
Service and Experience design for transit systems.
Yogesh has over 21 years of experience across a range of domains from Product to Service design, as well as Transport to Experience design. He has extensive project experience (6 Rail based Mass transit systems, 11 Airports) of understanding passenger journeys in urban transport and railways. Worked on improving the passenger experience of metro and airports in India through the design of integrated information, wayfinding and connected experience across the passenger journeys. Additionally, he has expertise in design for making transport network more integrated and consumer-centric which drives revenue growth.
Prof. Sugandh Malhotra
Faculty Mobility & Vehicle Design program,
IDC School of Design, IIT Bombay
Dr Sugandh Malhotra has over sixteen years of professional experience in Industrial design and automotive styling industry. He has worked on design projects for marquees in the industry that include Honda R&D, Hero Global Design, Hi-Tech Robotic Systemz Ltd., SETI Labs Berkley, Aprilia Motors Italy, Bombardier Canada and most of the leading automotive and consumer brands of India. He has been instrumental in the design of over 18 techno-commercially successful launched products at a pan India level. He has won many International and National level design awards.
Prof. Nishant Sharma
Faculty Mobility & Vehicle Design program,
IDC School of Design, IIT Bombay
Nishant Sharma is currently a Professor of Mobility & Vehicle Design (MVD) in IDC School of Design, IIT Bombay. As a professor, he teaches postgraduate level courses, supervises Master of Design & PhD students, leads funded research/ consultancy projects from government, private companies & non-government organisations and performs various institute level & department-level administrative roles. He teaches Vehicle Form & Aesthetics, Mobility Design, Computer-Aided Industrial Design, User-centric way of designing products etc. His research interests are Nature & Form, Bionics, Human Powered Mobility and Participatory Design. He had the privilege of pioneering vehicle design education in India by developing philosophy and writing the complete curriculum of India's first specialised Transportation & Automobile Design program for the reputed National Institute of Design, Ahmedabad. He was then instrumental in setting up the Mobility and Vehicle Design program at India's best technology institute- IIT Bombay.
Ole Häntzschel
Graphic Designer and Information Graphics expert
Berlin, Germany
Ole Häntzschel is a Berlin-based graphic designer, an illustrator and an expert in information graphics. Through his practice, he communicates complex data in a visually engaging way. He often works with journalists and through his illustrations makes complicated matters simple to understand. His mission is to unmask the little-known facts and inconvenient truths through the use of graphics, something that he feels has never been more relevant considering the current climate of post-truth politics. Häntzschel has worked for numerous German and international news outlets, papers, magazines, for exhibitions and the web. His work has been awarded various prizes amongst them the Malofiej award. He teaches regularly and holds workshops at universities. Visit his website to see more of his work.
Prof. Mandar Rane
Faculty Communication Design program,
IDC School of Design, IIT Bombay
Mandar Rane is the faculty of communication design at the Industrial Design Centre, School of Design, IIT Bombay. His research focus is on investigating and teaching design problems related to the communication of information. His current focus is concerned with theoretical aspects of communication theory and its application within the practice. He has been teaching basic design, typography, publication design and information design, for last fifteen years.


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The arts and crafts supply industry is strong and healthy these days, and that is because many people buy the products to use in a hobby they enjoy. Perhaps you have an interest in developing your skills at artwork a craft you enjoy. The information in this article can help you get started at creating items for your personal use or to sell. Keep your arts and crafts storage area as clean and organized as possible. Many craft projects rely on a lot of little pieces. These pieces are easy to lose as you shuffle through all of the items in your area. Having some sort of organization will make your life much less anxious when it comes time to really make something. When doing arts and crafts with kids, don't be harsh on them. You need to remember that this is designed to foster their creativity. Telling forearm what they're doing wrong is not going to be helpful. Make sure that any arts and crafts projects you do with children are age appropriate. If the children you are working with are of all different ages, you should break the project up into pieces and allow children to work on things that you feel are appropriate for their age group. Concentrate on one project at a time. When doing arts and crafts, it is tempting to do all kinds of projects and to start all kinds of crafts. This is how many projects stay unfinished. Focus, and tell yourself to finish your first project before doing any others. This gives you the best chances of finishing. It can be a pain to start a craft project and have to move to another space, so make sure that the space you dedicate for the project is not needed for anything else. For example, it is not a good idea to use a dining room table if there is a chance the project won't be done by the next mealtime. Try setting aside a craft job that you can do while doing arts and crafts projects with your kids. If you are really into arts and crafts, and you don't do this, you could start hovering and trying to control what your kids are doing. They should be able to do their own thing while you do yours. Make friends with the people who own or work at the local hobby store. This can help you get valuable insight on sales, loyalty discounts and special offers. You may even be able to display your crafts or meet others who are interested in the same crafts that you are. If you are passionate about your crafts, but don't know what to do with the finished products, consider selling them! You could easily and affordably be able to set up a table at a local market, or simply have a yard sale. This will help you perfect your craft, and possibly earn you some extra spending money as well. Getting rid of unwanted arts and crafts supplies can both be easy and rewarding. If you've found yourself with too many supplies to keep organized, consider donating them to a local school or youth center. You can also create your own gift baskets or arts and crafts kits full of the supplies you no longer need. Have a phone nearby when doing arts and crafts. Make sure everyone involved knows how to call the local poison control center. Accidents happen, even to adults. The real risks are when kids and chemicals are involved simultaneously. You always hope you never have to make that call, but be ready to do so. Though it may cost you more initially, it is best to purchase high quality arts and crafts material. If you use cheap materials, there is a higher chance of your piece to fall apart or break. In the long run, it will just cost you more when you have to start from scratch with new materials. There are tattoo of creative hobbies you can choose to enjoy. Whether you have an interest in painting or sewing, you can find the materials and the ideas to get you started. The information in this article is presented to help you find one or more to express your natural talents.
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'Annie' set to open at Peoria Players
- Details
- Published on Tuesday, 08 November 2011 17:50
- Written by Paul Gordon
To say Mary Ellen Ulrich loves the musical "Annie" would be quite the understatement. It is why, after all, she is directing it for the fourth time in the last decade or so.
"I loved the comic strip 'Little Orphan Annie' as a little girl and the musical is so lively, so fun. It has a great story line and it ends on a happy note. What more can you ask of a musical," Ulrich said, who said she also has performed in "Annie" three different times.
This version of "Annie" opens Friday at 7:30 p.m. at Peoria Players Theatre, 4300 N. University St., and will play 10 performances, including four matinees. Already one performance — on Sunday, Nov. 13 — is sold out and other shows are down to only a few remaining tickets.
That includes the Friday night opener, said theatre manager Nicki Haschke.
Show times are 7:30 p.m. on Nov. 11, 12, 16, 17, 18 and 19. Matinees are scheduled for 2 p.m. on Nov. 12, 13, 19 and 20.
For more information or to order tickets call (309) 688-4473 or go to www.peoriaplayers.org.
The shows stars Maddy Hoskins as Annie. Hoskins has performed in several shows in the area, at Peoria Players as well as at Corn Stock Theatre. She had no problem belting out the best-known song from this musical, "Tomorrow," during a dress rehearsal on Monday night even as the pooch portraying Sandy preferred to wander the stage or dart to the wings.
Dave Schick, a veterans of many musicals and dramas throughout the region, will portray Daddy Warbucks. It marks the second time Schick has agreed to shave his head for a role, as he did so in June 2010 for "The King and I" at Corn Stock.
Cheryl Dawn Koening will portray the very funny role of Miss Hannigan while Anne Gonzalez plays Grace Farrell, Bryan Blanks plays Rooster, Susan Knobloch is Lily St. Regis, Rusty Brost is Bert Healy and Bruce Colligan portrays FDR.
Ulrich has cast 66 people in the show, including 34 kids and 11 family units of at least one adult and one child. And yet she still has several cast members doubling up for the show, which has been in rehearsal since the first week of September.
"It takes a big cast. It's so big we have a lot of the children putting on their costumes at home before they come to the theatre because we don't have enough dressing room space. But that's not really a problem," she said. "I once had a cast of 84."
While she is used to directing large casts, Ulrich said she couldn't do it without a lot of volunteer help — mostly parents — to keep the children corralled. "When we have shows with a lot of kids, they have to be kept entertained when they are offstage and they also have to be quiet. That's why parents have to be involved," she said. "I am very grateful for the volunteers we get."
She has had a different Annie, Daddy Warbucks, Miss Hannigan and other lead characters each time she has directed the show. She won't say which has been her best.
"Each one has been wonderful. Each has been unique in their own way. And I believe in giving new people a shot at a role they haven't played before," Ulrich said.
Ulrich has directed more than 40 shows through the years at various local venues, including several school musicals. Her most recent Peoria Players show was "Wizard of Oz" last February and this past summer she directed the Community Children's Theatre production of "Joseph and the Amazing Technicolor Dreamcoat."
You won't find Ulrich's name on anything except a musical.
"I always do musicals. I just gotta see singing and dancing. That's what holds my interest when I go to the theatre," she said.
Paul Gordon is editor of The Peorian. He can be reached at 692-7880 or email@example.com


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Upcoming Events
Local Markets
Past events
Dec 11
NoFo Brew Co. Christmas Market
Another NoFo Market Day is upon us! Join us for good beer and last minute Christmas finds!
Nov 19
Cumming City Center- Pop Up Winter Market
Come out and get an early start on your Christmas shopping with lots of local makers at the 1st annual Winter Market in the brand new Cumming City Center!!
Nov 5
Freedom Mill Community Market
Local small businesses will be here to showcase their handmade goods. Come drink some beer, throw some axes and get a head start on your holiday shopping! This will be my first market with Winter/Christmas scents available.
Oct 22 - Oct 23
55th Annual Mountain Moonshine Festival
Classic Cars, Live Music, Great Food and Over 300 Vendors!
Oct 15
Tate Harvest Festival
Family activities, Food, Games and a Pumpkin Carving Contest! Profits benefiting Pickens C.A.R.E.S.
Sep 24
DREAM Dachshund Rescue is so excited and can't wait to see all of our doxie friends and their people. The fun and games won't stop with costume contests, dachshund races, games, a silent auction, and the infamous Neiman Barkus. The grill will be cooking up hot dogs and other goodies will be offered.
Aug 27
Wexford Back to School Event
Come have some fun with raffle items, snacks and mimosas!
Aug 5
Food Truck Friday
Food Trucks and LIVE Music! Come celebrate the first day of school with dinner, music and local vendors. All set up under the pavilion in downtown Dawsonville.
May 7
May 1 - Oct 15
Amicalola Farmers Market
Join me (most) Saturdays at the Dawsonville Farmers Market! 8am-12pm
Apr 30
Christ the Redeemer Craft Fair/BBQ
Come out and and support the "Respect for Life" program at Christ the Redeemer Catholic Church! In addition to the craft fair, they will also be having a BBQ, games for kids, a dunk tank as well as Fire & EMS trucks. It's going to be a lot of fun! Event is free of charge for entry.
Mar 26
NoFo Spring Market
Come out for NoFo's annual Spring Market! Enjoy good food, great beer and shop local vendors!
Mar 26
Halcyon Heroes Day
Come out and celebrate our local heroes! I will not personally be present at this event. However, there will be a volunteer with the Forsyth County Sheriff's Office there selling the "K9 Flash" Candles to help raise money for the Georgia Police K9 Foundation. And K9 Flash himself, will be there! So please stop by and show your support!
Mar 5
For The Hunnies Market
Come join me to kick off the 1st market of the new year! It will be held at the RLM Affairs Estate Room and Gardens Venue in Gainesville.
Dec 12
Nofo Brew Co. Christmas Market
Join me at Nofo Brew Co. for my LAST market of the season!! Stock up on all your favorite Christmas candles and do some last minute Christmas shopping from small local businesses while enjoying a few delicious adult beverages.
Dec 4
Jingle Market
Don't miss out on Dawsonville's Jingle Market! Complete with the town's Annual Christmas Parade, pictures with Santa and Tree lighting! Food Trucks will be there too!
Nov 13
River Ridge High School Craft Fair
Join me at the 2nd Annual River Ridge High School FBLA (Future Business Leaders of America) Arts & Crafts Show. There will be 60 crafters with local, hand made products. There will also be family photos ops with holiday scenes!
Oct 3
NoFo- 2nd Anniversary Market
Come out and help NoFo celebrate their 2 Year Anniversary! Lots of local vendors will be in attendance... oh, and they'll have some awesome beer too!
Oct 2
Crabapple Fest 2021
Jul 17
NoFo Brew Co.- Local Makers Market
Come out and enjoy some yummy craft beer while supporting some local small businesses at Nofo's Local Makers Market!


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Additional information
|0.4 kg
What are you looking for?
The main source of inspiration at Trixie is the infinite imagination of a child. From newborn to teen, children own an immense fantasy, that they use to discover the world around them. Trixie purpose is to celebrate this fantastic characteristic by developing products and prints that create a playground from which imagination can take flight!Even though Trixie loves all colours, they think green, hence all their products are made out of organic cotton.
Backpack by Trixie. This beautifully designed backpack is perfect for school, day trips or travelling for the kids.
Dimensions: 23x 31x 12cm
1 in stock
|0.4 kg


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Contact us for advice or more details.
Our product specialists are here to help.
The COSCO 4ft. Straight Folding Utility table offers a versatile solution for everyday needs such as working from home, hosting parties or events, camping, tailgating, or crafting. This durable blow mold table is portable and user friendly. This table is designed for maximum compatibility and comfortably sits four people. Includes non-marring foot caps to protect any floor surface from scratches or damage. Our 4 ft. folding utility table folds flat and compact to easily store in the closet or garage when not in use. Manufactured with easy to clean resin paired with a durable steel frame, this table ensures long lasting use while featuring a 200 lb. weight capacity. Featuring a weather and shatter resistant tabletop, this table is great for both indoor and outdoor use. Whether creating a functional work from home space, hosting events, or tailgating at a football game, this table is the perfect addition to help make your life easier and more organized. Comes with a standard 1-year, limited warranty.
This consumer rating is based on 11 reviews of all COSCO products. The COSCO 4 ft. Straight Folding Utility Table Indoor & Outdoor in White has not yet been reviewed, be the first!