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Lack of appetite for business credit
PUBLISHED: 14 Aug 2013 00:31:31 | UPDATED: 14 Aug 2013 00:31:31PUBLISHED: 14 Aug 2013 PRINT EDITION: 14 Aug 2013Mark Abernethy
With record numbers of business bankruptcies this year, cash flow management in private enterprises has come back into focus as business owners try to offset poor economic conditions.
The Insolvency and Trustee Service Australia (ITSA) says the proportion of debtors reaching a business-related debt agreement in the June quarter – 25 per cent of all debt agreements – was the highest business proportion since the September quarter 2003.
And while cash flow is often discussed in terms of finance, the new cash flow discipline is as likely to centre on internal discipline and a "cash is king" attitude, according to advisers such as Andrew Graham, national head of business solutions at RSM Bird Cameron.
"Using finance to bridge cash shortfalls is still popular in small and medium businesses, but most of them are looking at their internal finance systems first."
Graham says the current trend is for private business owners to try matching revenue to costs, ensuring that all business activities are profitable.
"It's very much the old 'we'll pay you when we get paid'," says Graham. "These are not fancy computer programs – it's business owners breaking down projects into stages, ensuring they are not committing to orders until progress invoices have gone out. It's an old-fashioned approach but it's keeping many businesses afloat."
He says ongoing surveys among clients suggest 30-day invoices are being paid in 55-60 days, putting cash flow pressure on the entire supply chain.
Good time to refinance business debt
Graham says the traditional backstop for cash flow problems, the banks, are proving expensive, in line with Australia's sluggish business credit growth: 0.9 per cent in the year to May 2013, at a time when housing credit rose 4.5 per cent. "The current cash rate is as low as it's ever been, suggesting it's a good time to refinance business debt," he says. "But the banks are scrutinising security and they're really looking at the ability to repay. Owners go looking for a better rate on their debt and the bank is increasing their risk margin."
Graham says the banks' indicator rates for secured business lending are only the starting point. "Some of the property put up as security doesn't have the value it had four or five years ago, and the banks are also repricing the risk once they've had another look at the business's books. Some owners walk away – others don't have the choice."
It's a point borne out by East & Partners research, which found that 43 per cent of the small and medium-sized enterprises surveyed had experienced rate rises on their secured loans in the past six months, at a time when the cash rate was dropping to historic lows.
East also found that of the 23.2 per cent of SMEs applying for credit during 2012, 44 per cent were unsuccessful.
Head of markets analysis at East & Partners, Lachlan Colquhoun, says business credit growth is low not because enterprises don't need it, but because banks are tightening their credit rules and business owners don't like what they're being offered. "Business owners are approaching their banks, but high numbers are walking away because the covenants are too onerous or the pricing is too high."
Colquhoun says many SME owners are confused about rising credit costs at a time of a very low cash rate.
They're hardly being paranoid: the Reserve Bank of Australia, in a recent report, said fees paid in household lending fell in 2012 to $4.1 billion, while bank fees in business lending rose 7 per cent to $7.3 billion.
More curious is that private business owners, according to East & Partners Business surveys, have returned to being net seekers of credit for the first time in several years.
Returned appetite for cash flow products
"The appetite for the basic cash flow products has returned," says Colquhoun. "Leasing and commercial hire purchase are growing slowly as business owners want assets off the books."
He says the current feature of leasing finance – along with the overdraft, one of the key cash flow finance tools for SMEs – is that the banks are not chasing private businesses as they have in the past. "The main channel into the small and medium sized market is brokers."
The focus on cash flow isn't only about triage. Greg Hayes, director of Hayes Knight accountants and business advisers, says with cash being king, successful companies are making cheap acquisitions. "The flip side of businesses struggling to be cash flow positive, are the ones who have thrived in this downturn," says Hayes.
He says distressed businesses in an insolvency arrangement are selling assets for a fraction of their market worth. "If a business can buy revenue-generating assets for much less than they should pay, then they can strengthen their cash flow position.
"It's not only hard assets, such as plant and equipment," he says. "You're seeing client lists and business systems being acquired very cheaply.
"Obviously, if you can boost revenues without the normal costs, your cash flow is probably under less pressure in relation to your competitors."
Businesses are paying down debt
He says the lack of appetite for business credit in the past few years was only partly due to the banks' tightening credit policies; many business owners preferred to deleverage and concentrate on their internal cash flow management. "Businesses are paying down debt and getting control of their cash, so they'll make two $5000 orders rather than one $10,000 order," says Hayes. "There's a lot of negotiating for better prices and terms."
He said some popular cash flow management techniques were ill-advised because they came at the expense of profit margins, and those decisions were haunting many business owners.
"Some sectors of the economy are in a state of permanent discounting, so they're making up to half the margin they once operated on," says Hayes. "They're sacrificing profit in order to keep the cash flowing, but that's how you become a marginal business."
He says the repricing of risk by the banks means that successful businesses can refinance with cheaper debt, but troubled firms are being offered more expensive facilities.
"Some of the pain is occurring because many private businesses have built debts to the Australian Taxation Office and a year ago the ATO decided to pursue those outstanding amounts. The business owners take a loan or extend the overdraft to pay the ATO and they are not happy with what the bank is charging them."
Some banks are offering new and improved cash flow services to business customers, in spite of rising business borrowing costs.
Rob Phelps, head of business banking for small business at St George Banking Group, says the bank has developed cash flow tools in response to customer demand. "Cash flow is important to small business owners," he says. "We have tools for business customers that can help speed payments from customers, and allows owners to manage their transactional banking and debt facilities from mobile devices such as iPhones and iPads."
Phelps says greater speed in the receivables side of business, and better management of payments, is one way to improve cash flow.
"We're all walking round with mini computers in our pockets," Phelps says. "These cash flow tools are online and they help owners manage their cash and operate their business."
The Australian Financial Review
Read more
People | Greg Hayes |
Topics | Company News /Bankruptcies , Economy /Taxation , Financial Services Industry /Banking & Finance , Technology /Online Services |


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Internet Celebrity 'Kai The Hatchet-Wielding Hitchhiker' Arrested In Philadelphia For NJ Murder
Internet celebrity "Kai The Hatchet Wielding Hitchhiker," also known as Caleb Lawrence McGillvary, has been arrested for the murder of a Clark, NJ man.
Internet celebrity "Kai The Hatchet Wielding Hitchhiker," also known as Caleb Lawrence McGillvary, has been arrested for the murder of a Clark, NJ man.
A jury in Arizona found Jodi Arias guilty of the first-degree murder of Travis Alexander, meaning she may face the death penalty.
A man in a Poland has found himself to be a favorite in the contest for "overreaction of the year."
A good man is hard to find. As opposed to a man who robs a woman on their first date.
Police in Boynton Beach, Florida recently arrested Donald McGee after he stole a woman's car while on their first date.
Amarillo police are currently in a standoff in southwest Amarillo near Amarillo High School. Police were responding to a burglary call this morning at 10:15am in the Puckett residential area of the city at the 3500 block of Danbury St. A suspect in one or more of the burglaries ran into a home on the 3500 block of Carlton. Police believe to have seen the man carrying a handgun as he made entry to the house. Access to the neighborhood remains restricted as the situation continues to unfold.
1:10 p.m. (EST): A third letter, this one sent to Senator Joe Manchin (D.-W.V.), has been found to contain ricin.
12:45 p.m. (EST): FBI spokesman Paul Bresson has confirmed that the substance found in the letter to the president was ricin.
The Secret Service says that a letter containing a suspicious substance and addressed to President Obama was received on Tuesday at a White House mail facility. This comes just after a letter sent to Senator Roger Wicker (R.-Miss.) was found to contain the poison ricin.
In a story that seems copied directly from the pages of a comic book, a French super criminal escaped from jail on Saturday by using arms and explosives to blast his way out of incarceration. Infamous criminal Redoine Faid escaped from Lille-Sequedin penitentiary northern France by holding four
The man who held five firefighters hostage in Suwanee, Ga. earlier on Wednesday has been shot and killed by SWAT members. Four hostages are slightly injured, but authorities say they should be OK.
Stealing is wrong. However, there are a lot of people who do not care that stealing is wrong and will steal anyway. However, this is the weirdest case of stealing that I have heard about. I don't believe that the prison time this person will receive is not worth what he is accused of stealing.
The 2013 NFL offseason has already been filled with some wacky news stories, and it doesn't seem like that's going to change anytime soon.
It seems no one is safe from car thieves these days. Not vampires, not dancers -- not even Walter White.
'Breaking Bad' villain Bryan Cranston was shooting in Albuquerque earlier this month when a bag containing an iPad and a script for one of the show's final episodes was lifted from his ride.
A thief in Boston is going to have to do some serious explaining the next time he goes to confession.

subset: commoncrawl


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Hip-hop star Jay-Z is buying Scandinavian company Aspiro for $56 million.
CNBC's Jim Cramer says Google should increase spending on on its most undervalued asset—YouTube.
Xerox reported a slightly better-than-expected quarterly profit as expenses declined 4 percent.
Alibaba's magic carpet ride came to a standstill on Thursday, but experts say the world's largest e-commerce firm remains a compelling investment.
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We are proud to announce the formation of Stratas Advisors (http://StratasAdvisors.com) effective Aug. 28, 2014, formerly known as Hart Energy Research & Consulting.
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Other Sports
MU gaining steam
WACO, Texas — After tending to find ways to lose games earlier this season, Missouri has begun to do the opposite.
Two technical fouls served as momentum-changing plays and the Tigers held off a Baylor rally to win their fourth consecutive game Saturday 70-66 in a Big 12 Conference game at the Ferrell Center.
Paulding's free throws crucial
WACO, Texas – As one of Missouri's four senior captains, Rickey Paulding knows he should have his hands on the ball late in games.
Paulding had his wish in the Tigers' 70-66 win against Baylor in a Big 12 Conference game Saturday. Unlike earlier in the season, Paulding converted his opportunities, sealing the win.
Amos sparks Cougars
Andre Amos, a Columbia College senior, was so determined to win Saturday against McKendree (Ill.) that not even a nasty blow to the head could disrupt his concentration.
The Cougars beat the Bearcats 83-79 in front of perhaps the season's largest crowd at The Arena of Southwell Complex. The win puts the Cougars in a first-place tie with Missouri Baptist for the American Midwest Conference lead.
Pescaglia, Arnold take third
Hickman wrestler Tony Pescaglia's chance for a top-three finish seemed to be slipping away with 35 seconds left in his match against Eureka's Jon Sumner at Hearnes Center on Saturday.
Sumner's escape narrowed Pescaglia's lead in the Class 3 112-pound third-place match of the state wrestling tournament to 5-4 and Sumner seemed to be gaining momentum.
Conley rises to rescue Tigers
WACO, Texas – There won't be any election, but Missouri guard Jason Conley is running a campaign for a starting position in the Tigers' lineup.
In the Tigers' 70-66 win against Baylor, Conley drummed up support among his teammates, leading the Tigers' offense with a game-high 24 points.
Wrestlers count on trainers
On a mat, someone calls for a trainer. Dr. John Yetter rushes to the mat, takes a look at the wrestler's arm and stops the match.
Early on the last day of the state wrestling championships, a match is stopped as a wrestler sits, grabs his arm and moans. Yetter, an expert in sports medicine from St. Louis, jogs onto the mat and assesses the situation. The wrestler is supporting his hurt arm with his other hand and his wrist hangs limp.
Missouri braces for another tough test
When it came down to either Missouri or Kansas State, Tiffany Brooks went to Kansas State because she thought that is where she wanted to be.
Brooks, a 5-foot-11 forward from Leavenworth, Kan., drew interest from several schools when she was deciding on a college. Brooks, a 2002 Street & Smith's All-American honorable mention, said her decision came down to Missouri or Kansas State.
Rock Bridge defense makes big difference
Rock Bridge and Helias had a difficult time shooting inside the 3-point arc Friday night.
Despite poor shooting from both teams, the Bruins defeated the Crusaders 38-36 in the final game of the regular season.
Cantwell's mark best since 2000
Saturday was supposed to be a quiet day off for former Missouri Tiger Christian Cantwell before heading to the USA Indoor Track and Field Championships next weekend.
It was anything but.
Kewps' Croom undeterred
When Hickman's Kevin Croom saw Pattonville's Nathan Waldrum grab his shoulder, Croom knew he had the match won.
Croom was down 7-3 in the middle of the second period of his 130-pound first-round match at the MSHSAA state wrestling tournament at Hearnes Center on Thursday, but he used a quick takedown and near fall to tie the match. Waldrum had to take an injury timeout and looked noticeably weaker.
Crusaders too much in Bruins' home finale
The gym was packed at the start of the Rock Bridge girls' basketball team's final home game. Unfortunately for the team, most of the crowd was there to see Chase Patton, Missouri's quarterback prospect, crowned king of this year's Courtwarming dance at halftime.
By game's end only a few groups of parents and students could be seen in the stands. Those who stayed saw a disappointing performance by the Bruins.
Missouri takes winning show on road
His team had just won three consecutive games for the second time this season, and it was clear Missouri coach Quin Snyder was happy with his players' efforts.
In such an up-and-down year, every win feels good.
Sims aims for All-American form
Things are starting to look familiar for Jesse Sims.
Sims, a junior, is looking to return to his All-American form in the high jump at the Missouri All-Comers Meet, which begins at 8:30 a.m. Saturday in the Hearnes Center Fieldhouse.
Top records not touted at state level
Most coaches want a state championship or at least a state champion. All Jefferson City coach Steve Johnson wants is 100 percent.
"One hundred percent effort, it's all I can ever ask of a kid," Johnson said. "I don't worry about team scores; I worry about kids when you get to this point."
Loeb honored with coach of year award
Ask Ben Loeb where he got his passion for tennis and he will tell you it came from his passion for coaching.
"I got my passion for coaching first," Loeb said.
Missouri may play in K.C. in 2005
KANSAS CITY, Mo. - After opening its season for the past two years in St. Louis, Missouri is planning on taking its road show to the other side of the state to Kansas City's Arrowhead Stadium. The Iowa Hawkeyes apparently are watching closely.
Missouri has been trying to work out the details of a matchup in 2005 against Arkansas State at Arrowhead in what would be the Tigers' first visit to Kansas City since 1945, said Chad Moller, Missouri's sports information director.
High honor: Stewart's 22 comes down
Before Norm Stewart's No. 22 jersey descended from the Hearnes Center rafters Wednesday night, he had to make one thing clear.
"I want to dispel the rumor that your name has to start with 'S' to get your number retired," Stewart said.
4 guards = 3 straight
Six weeks don't mean anything in any conventional relationship or job, but in the Big 12 Conference, that time can make all the difference. It did for Missouri.
The Tigers trounced Iowa State 82-70 on Wednesday at Hearnes Center, expunging almost every blemish that plagued them in a conference opening letdown to the Cyclones more than a month ago.
Construction causing crowds at Rec Center
During peak hours, there are lines six deep waiting to use treadmills. Any number of basketball players, from five to 25, are waiting to get court time at the MU Student Rec Center.
Construction scheduled to last until next year is the reason for all the holdups. Peak hours at the center have broadened to between 12-1 p.m. and 2-10:30 p.m. during the week.
Spates' mat milestone
Jeremy Spates didn't celebrate, but he had 100 reasons to.
Spates, Missouri's 149-pounder, earned his 100th victory during the dual against Northern Illinois on Wednesday. Spates, ranked third, helped the Tigers defeat the Huskies 31-7 at the Hearnes Center Fieldhouse.


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Hi all,
I'm thinking of purchasing an aquarium, including fish, plants, the works, in order to give the room that nice 'watery reflection' look. My room size is about 13' x 7'. Any suggestions regarding placement and size of the aquarium and light would be appreciated. Thanks, and don't worry - the fish will be cared for, :) Ian |
Follow-Up Postings:
> I'm thinking of purchasing an aquarium ... I'm thinking "Chinese restaurant." :) I suspect that the useful light you'll get from an aquarium is going to be minimal. I'd say just put it where it's convenient to maintain and won't get bumped. |
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Murders are on the rise in Philadelphia-but no one seems to mind because the victims are all fugitives with histories of heinous sex crimes against women and children. Worse for Homicide Sergeant Matt Payne, the main suspect is leaving evidence for police to find. But when copycat killings start popping up due to vigilante groups dealing out their own justice, Payne must find out who's behind the chaos before the violence overtakes the city.
Editeur: Jove (10 août 2010)
Format: EPUB
Taille du fichier: 428 ko
Protection: DRM
Langue: Anglais


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Malema arrives to lay Zuma charges
Comment on this storyPretoria - Economic Freedom Fighters leader Julius Malema arrived at Sunnyside police station in Pretoria on Thursday to lay charges against President Jacob Zuma.
He was accompanied by senior EFF member Floyd Shivambu and lawyer Dali Mpofu.
The three were taken upstairs to the station commander's office.
Reporters were barred from entering the office.
Malema was to lay charges against Zuma following the release on Wednesday of Public Protector Thuli Madonsela's final report on the upgrades to Zuma's private Nkandla homestead in KwaZulu-Natal.
In her report, Madonsela found Zuma "unduly benefited from the enormous capital investment" in the Nkandla upgrades, totalling R246 million.
EFF supporters waved placards outside the station while singing anti-Zuma slogans.
Some posters read "Zuma you are a thief" and "Arrest those who killed Marikana miners".
A makeshift coffin bearing Zuma's face read "Zuma rest in peace".
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Account Manager 18k-25k
18-25k depending on experience
1-2 years (min)
Central Manchester
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If this sounds like the perfect new challenge, please contact us firstname.lastname@example.com.


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I have placed various orders with MJM Magic and everytime, my order got here really fast, the items were packaged well, everything just as...Read More ->
My go to Magic store for all I need! New amazments added all the time, endless selection & points earned for discounts. Also want to say, super fast...Read More ->


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June 11, 2013
This organization says it provides rental and utility assistance, but they have very restrictive rules and often, no funds. They pay two full-time staff members in the housing department, so why not use some of that money to help those who come in for assistance. I have stopped referring clients to them because of the treatment they receive from this agency.
More feedback
How does this organization compare with others in the same sector?
Somewhat badly
How much of an impact do you think this organization has?
A little
Will you recommend this organization to others?
When was your last experience with this nonprofit?
Professional with expertise in this field
Review from Guidestar


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My Interests
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Let us help you with all your decorating needs. No project is too big or too small.
Give your space a relaxed style update in an instant. Our drop cloth with separate seat slipcover protects furnishings while offering a laid-back look.
Sofa: 165 x 127"
Chair: 118 x 127"
Measuring Tips
Carefully measure overall dimensions of furniture: the width from side to side, the depth from front to back, and the height from the top of the back to the floor.
These slipcovers work best with fitted cushion-style furniture, where the square or rectangular back cushions are aligned one-to-one over rectangular or square-seat cushions, or on loose scattered back-cushion furniture; they are not designed for futons, recliners, wicker-rattan or iron furniture, sectionals or wing chairs.
Our slipcovers are designed to fit a wide variety of furniture styles. As a result, there may be more fabric than you need.
This is a general shipping item.
View our Shipping Information
Customer Service - Shipping Information
Return Policy
At Pottery Barn, we take great pride in the quality and craftsmanship of our products. Attention to design, materials, safety and construction is our priority. We carefully inspect your order prior to shipment. Upon receipt, please inspect your purchase and notify us of any damage; we will arrange for a prompt replacement. If, within 7 days for Quick Ship upholstery and 30 days for all other products, you are dissatisfied for any reason, you may return your purchase for a refund of the merchandise value.
We cannot accept returns on monogrammed, personalized, special-order items, or on items damaged through normal wear and tear. We also cannot accept returns of final-sale items which are identified by a price which ends in .99.
For returns of items purchased from your Pottery Barn registry, we will gladly provide a refund or exchange for the merchandise within 90 days of your event or within 90 days of purchase, whichever date is later.
You may return merchandise through the mail for a refund or replacement. For detailed procedures for returning items through the mail, please contact Customer Service at 1.888.779.5176, 7 days a week, 5:00am - 9:00pm (PT).
Item | Price |
PB Separate-Seat Dropcloth Linen/Cotton Armchair Slipcover, Khaki | No Longer Available |
PB Separate-Seat Dropcloth Linen/Cotton Armchair Slipcover, White | No Longer Available |
Item | Price |
PB Separate-Seat Dropcloth Linen/Cotton Sofa Slipcover, Khaki | No Longer Available |
PB Separate-Seat Dropcloth Linen/Cotton Sofa Slipcover, White | No Longer Available |


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Postgame: A Valiant Effort Comes Up Short
Pat Steinberg
December 10 2010 11:41PM
It was a game where Calgary probably deserved a better fate, especially the way they dominated things in the third period, but in the end, they'd fall 3-2 in a shootout in Anaheim. Calgary erased a 2-0 deficit in the third period to force extra time, and once you get to overtime and a shootout, roll a dice or flip a coin...the Ducks come away with the two points.
Flames Scoring Chances - Game 30 versus Anaheim
Kent Wilson
December 10 2010 11:05PM
Scoring Chances for NHL Game Number 20424
Game No. 30: No echo
Ryan Lambert
December 10 2010 06:34PM
Hey the Flames have a chance to win again.
FGD: Duck Hunting
Pat Steinberg
December 10 2010 01:10PM
The Calgary Flames look to bounce back after a tough 2-1 loss in Los Angeles last night; tonight, it's their first meeting with the Anaheim Ducks at the Honda Center (8 pm, Sportsnet Flames and The FAN 960). For Calgary, they're back to three games below the .500 mark, and once again, they're playing a team they need to chase down at some point.
Gameday Preview: Ducks, but not exactly in a row.
Robert Cleave
December 10 2010 09:18AM
Calgary's relentless pursuit of mediocrity continues in Orange County this evening against a team who's record is flattering, frankly. The Ducks aren't very good at all, and this is a case where their underlying numbers are worse than their record by a fair distance.


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Vans Half Cab "Loden" by Brendan Dunne 5 Comments
June 8, 2013 BY Aaron Hope / 0
Vans expands their 'Inca' weave with another release following the blue and orange Sk8-Hi. The Vans Half Cab 'Inca' has roughly the opposite color distribution, as Adobe orange suede adds blue branding patches and a multicolor collar at the ankle. With both of these releases available just in time for summer, it might come down to which silhouette or dominant color you prefer, unless you plan to grab both. Check out this latest Half Cab after the jump, then buy yours at shops like Concepts.
Filed under: Just Released Skate Vans
Tags: Vans Half Cab
Vans Half Cab "Loden" by Brendan Dunne 5 Comments
Vans Half Cab "Multi Floral" by Aaron Hope 2 Comments
Vans Half Cab Pro "Blackout" by Ian Hundiak 2 Comments


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hahaha pretty good.
I bet they debate this **** on First Take...buncha damn fools
You shouldn't of mentioned it was fake. It would of been even more funny to see if anyone thought this was real.
That's freakin histerical!
Peyton: Your hair looks wierd
brady: your head looks weird
All Hail The New York Giants!!
lol, this made my day. I couldn't stop laughing..
LOLOL Brady's reaction when Eli commented.
Odell Beckham Jr. Is my husband. Get over it.
awesome. i wonder if the actual qb's ever read these meme's...gotta think they;d get a laugh outta this (except romo lol)
I'm sure they all talk crap to eachother, everyone does it. Would be awesome to see their real convo's though!


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Along with Mario kart 3DS and Zelda: Ocarina Of Time 3DS, Metal Gear Solid: Snake Eater 3D was one of the highlights of the 3DS line-up and you can see more of the game by checking out the bunch of new screenshots below.
However, as good as the new screenshots are, they don't reveal how good the game looks in 3D. We were shown a tech demo at E3 last week and as we said in our 3DS review, it blew us away.
Our demo covered the jungle level you can see in these new screenshots. As we said last week "robust, spiky foliage poked out of the ground and seemed to tickle the back of the DS screen. Meanwhile, arrows flung in our direction soared through the air towards us - from what seemed like 50 metres away."
Hideo Kojima has claimed that he is still experimenting with this jungle level and he will "adjust things" as he hears feedback from those who saw the game running on 3DS.


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NH woman pleads guilty to 2 bank robberies - 0 Comments
YORK, Maine — Maine police say a New Hampshire woman has admitted robbing banks in York and Conway, N.H.
York police say 36-year-old Roxanne Esty, also known as Roxanne Gillis of Gorham, N.H., pleaded guilty to both robberies on Wednesday, after waiving extradition.
Police say she robbed the Bank of New Hampshire in Conway on May 11 and the Kennebunk Savings Bank in York on May 29, 2012, after standing in line and presenting the teller with a note.
Police have not said how much cash was stolen in either robbery.


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I recently purchased Cataclysm from MJM magic. Before ordering the effect, I had a few questions. My questions were promptly and completely answered....Read More ->
MJM continues to exceed my expectations with the level of customer service they provide. Though I'm sure the volume of business they do is enormous,...Read More ->


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Almaden Burgundy 1.5 L Sku: 3915
A delightful red wine bursting with fragrant fruit and spice character. Made for pure enjoyment.
* Free local delivery on orders over $150 to Manhattan, the Bronx and Lower Westchester.
Shipping Info . Privacy Policy . Legal Notice Copyright © 2015 Mount Carmel Wine & Spirits . Powered by Beverage Media Group


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Hi - I want to thank everyone for posting their pictures and answering so many questions. I disliked this bathroom so much. The grout was in horrible shape and I couldn't get it clean. It looked horrible! We were trying to make it one more year before remodeling this bathroom, but the shower faucet broke causing us to remodel quickly. We are still waiting for a glass shelf to be installed in the niche. We moved the shower head to the other side of the wall which was our contractor's idea. We're glad he suggested it because it's now feels much more open and we can turn on the water without being under it. The sink and toilet were fairly new, so we reused them. Honestly, I would have picked a different toilet if I knew we were remodeling so soon, but before we knew we were remodeling, we managed to crack the entire toilet while trying to change the handle, hence this toilet. Not crazy about the toilet, but it's fine for now. We still have our master bathroom to do! :) Tub - Americh Turo 60x32x18 The new frameless shower door is fixed. We needed a downward shower arm to take a shower without water getting out. I put a paper towel outside while I took a shower this morning and verified that all the water was staying in, minus a 3 - 5 drops of water which I can live with, especially since the bath rug will be there. We like the open feel much more than the old shower doors. The pictures were taken with my phone and are a little dark, but here they are... |
This post was edited by belasea on Thu, Feb 7, 13 at 20:29
Follow-Up Postings:
- Posted by swedishchicken (My Page) on Sat, Jan 26, 13 at 20:56
I like how the shower accent tiles tie into the marble hexagons on the floor. What a difference subways made in the space. Very nice! |
- Posted by hosenemesis (My Page) on Sat, Jan 26, 13 at 22:07
I love your new vanity. The ceramic top is so pretty. The whole bathroom looks great, and your floor is exceptionally nice. |
- Posted by AnnieDeighnaugh (My Page) on Sat, Jan 26, 13 at 22:25
What a difference! Well done! |
- Posted by williamsem (My Page) on Sat, Jan 26, 13 at 23:12
It's lovely! What a difference, It looks so clean and peaceful with the white and grey. |
This post was edited by williamsem on Sat, Jan 26, 13 at 23:13
Thank you for the kind comments. Williamsem, we really went back and forth over the paint color and after a week, we ended up picking white over a pale blue or gray paint color. It's such a small space and the way the ceiling is (not in the pictures) that part of the ceiling has to be the same color - there is no hard stop on the start of the ceiling in the front portion of this little bathroom. I second guess the white paint sometimes, so it's nice to hear your comments. |
This post was edited by belasea on Sun, Jan 27, 13 at 7:46
Beautiful job-- I'm thinking of going all white as well, and to work some marble in. You've done a great job and I am probably going to steal some of it! |
Very nice! |
Very pretty! I really like the clean lines of your new tub and the great marble accents. |
What a transformation! Congrats, beautiful job! |
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Save the Date! The Pacific Northwest Dental Conference (PNDC) is June 14-15.
This will be the Conference's last year in Seattle. For over 100 years, the PNDC has brought the State's dental professionals to Seattle to learn, shop, and network
Receive email updates from the WSDA Blog.
This will be the Conference's last year in Seattle. For over 100 years, the PNDC has brought the State's dental professionals to Seattle to learn, shop, and network
This fall, Governor Christine Gregoire called the Legislature into a special session to address a projected $2 billion dollar shortfall in the current biennium (2 year) budget for the general fund. In response, the Legislature compiled a supplemental budget package with nearly $480 million in budget cuts as a "down payment" on entirely closing the budget shortfall during the 2012 regular session. Cuts in the supplemental budget include workforce reductions, delaying payments to school districts, and transferring $83 million in unused funds from the last biennium back into the general fund. The special session budget package did not include further cuts to dental Medicaid funding, the UW School of Dentistry, or any other dental related programs. While the $480 million in cuts reduces the budget shortfall, more work will need to be done during the 2012 regular session.
Difficult budgetary decisions still remain and further cuts to the dental safety net and the dental school will be up for discussion. Here's a list of dental programs that will be discussed:
WSDA will continue monitoring all state budget activity and provide updates as they develop. Please contact email@example.com with any questions.
WSDA Past President Dr. Jeff Parrish and WSDA members Dr. Glenn Govin and Dr. Nicole Murray testified in front of the Senate Ways & Means committee on December 6 to support continued funding for the Dental Education in Care of Persons with Disabilities (DECOD) prorgram at the University of Washington School of Dentistry. During his testimony, Dr. Parrish also advocated for the adult dental Medicaid program and continued funding for the Volunteer/Retired Provider Malpractice Insurance Program (VRP) which covers the licensure and malpractice insurance costs for dentists that only provide uncompenstated care. WSDA will continue to advocate for these vital dental safety net programs.


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I replaced the crappy 4x48" FL fixture in my kitchen with some recessed cans and want to reassemble the ballasts and holders into a basic plant light. It's got two ballasts, each is labeled as rated for two F40 T12 RS bulbs.
I don't have room for 48" of trays & lights, so I want to use 36" tubes for 2 separate fixtures. I've found only R30 30W tubes--will they match the ballasts well enough? Can I just mount the T12 holders and the ballast on 2x4 lumber? I wouldn't want to stunt the seedlings' growth by having the house burn down around them :-) |
Follow-Up Postings:
- Posted by shrubs_n_bulbs z8/9 UK (My Page) on Thu, Mar 16, 06 at 6:33
I'll take a guess that your ballasts won't work as expected on a shorter tube. Zink will know for sure. My advice, as it usually is, is to discard crappy old fixtures and get something designed within the last five years. You'll get more light, save a bundle on your utility bill, and your plants will thank you. When you start looking for something shorter than 48", look at compact fluorescents. You can mount your components on anything you want, the temperature of any individual piece shouldn't be hot enough to harm wood unless you start overdriving. As an extra safety step, prevent any components from actually touching the wood with suitable spacers or mounting blocks. |
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Are you looking to reconnect with Harry Winn and would like more information on their current address? Then you're in the right place. Find up-to-date information on Harry Winn residing in Asheboro including personal information like email, age, and phone number right here on USA-People-Search.com.
Our people search results have been efficiently arranged into four categories, including name/aliases, age, location, and possible relatives. This way, you can focus on the right Harry Winn in Asheboro quickly by scanning through the list. Click through to the details page if you'd like more information on Harry Winn living in Asheboro.
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Art Deco Imperial Hotel, Prague Let yourself be enchanted by the century of tradition and style of Art Deco in this hotel and café in centr... read more
Hotel Augustine, Prague The mediaeval Augustinian monastery in the Lesser Quarter in Prague has been transformed into a hotel: the ... read more
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Hotel MOODs, Prague Luxury, technology and unique design! Enjoy the stylish Moods boutique hotel at a peaceful location in the ... read more


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Redrawn version of the cover to Four Color (Dell, 1939 series) #16.
Inside front cover, inside back cover, and last three interior pages are blank.
Title page with illustration.
Edited version to tone down the violence: three pages reinked + 12 new pages by Paul Murry.
Back cover. Promo for Disney Collector's Album Series, with covers to #3 and #4 depicted.


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Code: GSGVB
We ask that you read it carefully and that you take the document with you on your holiday. It contains information on visas, vaccinations, spending money, etc, as well as a detailed, day by day itinerary of your trip.
International flights, arrival and departure transfers, departure and airport taxes, visas, entrance fees, US$10 Galapagos transit card, US$100 Galapagos National Park fee, Isabela Island port fee US$20, other meals, drinks, optional tours or activities during free time, transfers outside of the tour program, travel insurance, tips and items of a personal nature.
Australians, New Zealanders, Americans, Canadians and British do not currently require a visa for Ecuador. For all other nationalities please reconfirm your visa requirements with your travel agent.
Many governments publish up-to-date travel advice for countries around the world. Information is gleaned from both local and international sources as well as 'friendly' governments, and the notices are often on the cautious side. Sometimes there will be conflicting information. For example, the Australian, UK and Canadian governments may agree on the nature of the advice; however, frequently they do not. And sometimes the views expressed by a particular government can be coloured by political considerations. We will monitor these travel advisories closely and may alter itineraries or cancel trips as a result. However, it is also your responsibility to stay informed and form a balanced view. We recommend that you visit the websites or contact the departments listed below. Unless otherwise stated, it is not normally the intention of the relevant government travel advice to dissuade you from travelling. Rather, it is to inform you of where and when you should exercise caution to avoid problems. Please also note that, as a responsible tour operator, we maintain constant links with our ground operators and your safety - at all times - is our paramount concern. You can check your government's latest travel advice at one of the links below:
Australian Department of Foreign Affairs and Trade
UK Foreign & Commonwealth Office
Canadian Department of Foreign Affairs and International Trade
U.S. Department of State New Zealand Ministry of Foreign Affairs and Trade
We strongly recommend you visit your doctor to discuss health requirements for your trip. They will advise you regarding the appropriate inoculations. In some places anti-malaria medication may also be required. Some vaccines need to be administered a few weeks before departure so allow yourself plenty of time. Obtain a certificate of vaccination and carry this with you on this trip. A dental check up is also highly recommended
Yellow Fever: This vaccine should be administered at least 10 days prior to travel and must be recorded in an official certificate book. You may be asked to produce this certificate by immigration and health officials both whilst travelling overseas and upon your return to your home country so you must carry this booklet with you at all times.
Other vaccinations may be required or recommended for this trip so you should consult with your travel doctor to obtain the latest up to date information.
Remember, it is your responsibility to ensure that you obtain any vaccinations or preventative medicines for the countries you are visiting – or any which may be required by your home country upon your return.
For travellers from Australia and New Zealand, we recommend the Travel Doctor-TMVC clinics (see www.traveldoctor.com.au or phone 1300 658 844 for an appointment in Australia). Travellers from countries other than Australia and New Zealand should contact similar organisations or their travel doctor for advice. General health and vaccination information is available to all travellers at
www.traveldoctor.com.au/travelreport. Some vaccines require more than one dose, so arrange for your visit at least 4-6 weeks before you travel.
We recommend that you photocopy the main pages of your passport, your airline ticket, itinerary, insurance policy, traveller's cheques and credit card. Keep one set of photocopies with you, separate from the originals. Leave one set of copies at home with family or friends. It is also worth taking some extra passport photos with you in case of additional visas, permits or other unforeseen paperwork.
No particular level of physical fitness is required for our Galapagos voyages, although you should be reasonably agile and enjoying good health. Please keep in mind that there are a number of shore excursions on your cruise. This involves boarding a small dingy or zodiac from the rear transom of the cruise boat. Disembarkation at some locations will be at steps or a small pier, whilst at other locations you may be required to disembark on the beach. This can invovle having to wade ashore a short distance through shallow water. A degree of agility will be required for this. Once you are on shore you will undertake several walks, some across volcanic rock. For this a reasonable level of fitness is beneficial, as is a pair of good walking shoes or boots.
There are many opportunities to go snorkelling on our voyages. Confident swimming skills are required to take part in this activity. Depending on the weather conditions and park regulations, you could be snorkelling twice a day. If you take part in the snorkelling, you will not miss out on any land activities. For those not wanting to snorkel, there will be time to relax on the boat.
Remember - the lighter you travel the better! A soft-sided duffel or sausage bag is the ideal form of luggage. It is recommended that you keep your luggage weight around 15kg and certainly no more than 20kg. A small or medium-sized backpack (45-50 litres) is another good option, but preferably one without a frame.
Please refer to the specific country section for climate details. When you pack your clothing, consider the climate at the time of year you are travelling and any specific requirements for your trip as at certain times of the year some of the items suggested in the list that follow may not be necessary. Keep in mind that the weather will vary significantly from place to place. Laundry facilities are available in some destinations.
Below is a list of equipment and documentation that we suggest you take with you. Please use this checklist as a guide when packing for your holiday.
- Travel documents: passport, visa (if required), travel insurance, air tickets or e-ticket receipts, Peregrine travel itinerary and this document
- Photocopy of main passport pages, visa (if required), travel insurance and air tickets
- Spare passport photos
- Money: cash/credit card/EFTPOS card
- Money belt and small padlocks
- Small first-aid kit
- Daypack
- Watch/alarm clock and torch/flashlight (and spare batteries)
- Electrical adapter plug (view www.kropla.com)
- Toiletries/roll of toilet paper/travel wipes/ tissues
- Insect repellent
- Sunscreen, lip balm, sunhat and sunglasses
- Earplugs and eye mask (for light sleepers)
- Extra pair of prescription glasses (if required)
- 2 strong plastic garbage bags (for laundry and in case of rain) and dry bags
- Refillable water bottle
- Phrase book
- Warm clothes - when travelling in cooler climates
- Wind and waterproof rain jacket
- Comfortable and sturdy walking shoes with good walking socks
- Camera and spare film (or recharge for digital cameras)
- Binoculars
- Underwater disposable camera
- There are many opportunities for snorkelling during the voyage. Diving masks, snorkels, fins and some wetsuits are provided onboard the vessel and are for use by all passengers. Some passengers choose to bring their own, however this is a personal choice. Beach towels are also provided.
- During our time in the Galapagos we are usually sailing and anchoring in sheltered waters. However, it is possible we may encounter some movement in open waters - if you are prone to motion sickness, and you might wish to bring some preventative medication.
It is a good idea to take a small medical kit with you, and you should consider packing the following items:
Antibiotics, Lip-balm, moisturiser, sunscreen, headache tablets, antiseptic (e.g. Betadine), anti-diarrhoea tablets (for changes in diet and water), laxatives, band-aids/moleskin/dressing strips for blisters, small scissors/tweezers. Note that moleskin is particularly good for blisters and can be obtained from any pharmacy.
It is also recommended to carry a letter from your doctor explaining any less common prescribed medications that you may be carrying.
Diarrhoea Stomach upsets are not uncommon when travelling through new destinations (usually a 24 - 48 hour 'bug') and this may cause diarrhoea, leading to dehydration. Should you develop a stomach upset you should eat only in moderation and drink plenty of fluids. It is a good idea to carry a couple of sachets of rehydrants with you (such as Gastrolite). We also suggest that you carry one of the common anti-diarrhoea tablets such as Imodium.
Sunstroke It can be quite easy to get sun burnt when you are not accustomed to the sun in new climates. You should take sensible precautions such as wearing a hat and using a good UV sunscreen. Finally, drink plenty of fluids - preferably water.
Water In general, water is not safe to drink in the areas through which we travel. Bottled Water is widely available and most travellers prefer to drink this. Your guide can assist you in regards to the relative safety of tap water and the availability of bottled water on each tour. When walking, or in hot conditions, you must make a conscious effort to maintain your hydration, drinking as much water/tea as possible to offset fluid loss.
Ecuador uses the US dollar (US$). US$1 = 100 cents. Notes are in denominations of US$100, 50, 20, 10, 5, 2 and 1. Coins are in denominations of US$1 and 50, 25, 10, 5 and 1 cents.
In the year 2000 the Ecuadorian government adopted the US dollar as the national currency. The US dollar is therefore the only valid currency on the islands.
Check out www.xe.com for current exchange rates.
The US Dollar replaced the Sucre as the official currency of Ecuador in September 2000. Foreign currencies can be exchanged at banks and at exchange houses (casas de cambio), the latter being generally the best option. It may be difficult to exchange money in the Oriente. The rate of commission varies between 1 per cent and 4 per cent, so it is worth shopping around. ATMs are available in large urban areas.
US dollars cash are the easiest option for purchases on the islands. In Galapagos there is only one bank and you can only get cash with MasterCard. There are no official money exchange businesses in the Galapagos. MasterCard is widely accepted in Galapagos and Ecuador, however there is a 10% service charge on all credit card payments within Ecuador.
You will need to take money with you to cover any additional meals/drinks not included in your tour cost. You will also need to budget for bottled drinking water plus such things as tips, laundry, souvenirs, additional sightseeing, optional activities and excursions, and possible delays. It is much better to come with more than you would expect to spend and to end the trip with a surplus, rather than being caught short! It is always useful to carry an additional amount for emergencies that can happen en route. If there is a medical emergency you are sometimes required to pay at the source and reimbursement is made later by the insurance company. This is a situation where a credit card can be useful.
You must pay US$110 entrance fee to Galapagos Islands National Park upon arrival at Baltra Airport in the Galapagos (this includes the $10 transit card fee). In the interest of speed and efficiency, this is best paid in cash. If your trip visits Isabela Island, there is also a US$20 park fee to be paid upon arrival.
We recommend you carry at least US$100 to allow for additional meals and snacks. In addition there is a bar on board where the settlement of bills is by cash. Please make additional allowance for bar expenses, however you will find the drinks to be moderately priced.
There are no international departure taxes to be paid at Quito airport.
If you have enjoyed the services provided by your guide and crew, a tip would be very much appreciated by them. As a guideline we recommend each passenger consider US$10-12 per day for the crew and US$5-8 per day for your guide. You can leave tips in envelopes that are placed in your cabin on the last day of your journey.
If you have not pre-booked an arrival transfer you will find taxis available on arrival. You should use an official taxi, identified by a sticker on the windshield and number painted on the side. Agree to your price before you set off, and ensure the taxi meter has been turned on. Expect to pay between US$10-15.
If you have pre-booked an arrival transfer, please ensure that we have been advised of your correct flight details into Quito airport by either yourself or your travel agent. A transfer guide (or our local representative PEAK Adventure Travel) will be there to meet you after you clear customs and transfer you to your hotel. Please look for your transfer guide at the airport immediately after exiting the customs area - they will be holding a sign with your surname on it and/or our company logo. If you are unable to find them, please call our local operator for assistance:
Office Hours: 02 2560419 or after hours: 09 94014877
In the evening you will meet your tour leader and the other members of your group for a pre-tour briefing. Please check the noticeboard at reception to confirm the time and place of your meeting which is normally held at 6 pm.
Generally, your room will be available from around midday. Sometimes it may be available mid-morning but this is in no way guaranteed. If your flight is scheduled to arrive in the early morning you may have to wait until your room becomes available. Alternatively you can book one night's pre-tour accommodation that will ensure that your room is ready whenever you arrive. Rooms must generally be vacated by 12 noon unless you have made prior arrangements with the hotel reception. If you want to keep your room for longer you may have to pay an additional charge.
Please ask first if you want to take someone's photograph. This is just a normal courtesy and if you are refused permission please abide by that person's wishes. At certain ancient sites, and in most museums, photography (video or still) may be forbidden, or may incur an extra charge for camera-use. Do not take photos of buildings, structures and personnel of potential military significance (including airports, bridges, and police stations).
Travelling with us can provide you with some really rewarding travel experiences. Our tours visit countries where travel modes and lifestyles are often not as sophisticated as our own. There is also a laid-back attitude amongst workers and there will often seem to be huge amounts of red tape and bureaucracy when doing the simplest things. You will enjoy your trip much more if you slip into the rhythm of local life and are prepared to take things as they come.
In most countries even the smallest quantity of an illegal substance is considered a very serious offence and can carry lengthy jail terms. Avoid any contact with illegal drugs. Don't put yourself and others at risk and never carry bags or luggage for other people. Any person found to be carrying or using illegal drugs will be asked to leave the trip immediately without the right to any refund.
Costs in Ecuador are quite low by Western standards – among the lowest in South America. Tourists do pay more for certain services as there is a two-tier pricing system, a cost for the locals and a cost for the foreigners. This is not applied in all places, mainly just higher range services. 1 litre of water US$1 30cl bottle of soft drink US$0.70 30cl bottle of beer US$1.20 50cl bottle of beer US$1.70 Budget meal US$1-US$3 Mid-range meal US$3-US$10
If, after having visited this unique and precious region of the world, you would like to make a donation towards the protection of the Galapagos, the recently launched Gecko's Community Trust is the easiest and most convenient way to do so.
The Trust supports the Galapagos Conservancy, an organisation dedicated to raising funds and awareness for Galapagos conservation. It is a membership-based organisation and the largest source of private support for conservation efforts. The 11,000 Friends of Galapagos are individuals and institutions who care deeply about the Galapagos Islands, and understand the scientific importance of preserving this one-of-a-kind ecosystem.
Funds raised by the Galapagos Conservancy support the core operations of the Charles Darwin Research Station (CDRS) and the Galapagos National Park Service (GNPS), both located on the island of Santa Cruz.
Please see below for details on how to make a contribution to the Gecko's Community Trust or refer to the Pledge Card provided at your pre-cruise briefing which contains details for making a donation.
All meals are included whilst on the Nemo I. There is a chef on board who cooks up local and international cuisine daily, including a buffet breakfast.
Should you have a special diet requirement (for example vegetarian, celiac, vegan, severe food allergies) it's essential that you inform Peregrine of the specific details at least 10 days prior to departure, in order to make sure the chef on board the boat or on the island can request the necessary food supplies.
We work with partner organisations in each country we visit. This ensures we provide employment opportunities within local communities, including our experienced local leaders. We minimise the negative impacts of travel and maximise the benefits to the regions we travel, through working with our ethical services providers.
For any assistance prior to travel, please contact your travel agent. For assistance whilst you are travelling, please contact the local numbers listed below, as your call will be received in the same time zone by an English speaking representative. PEAK Adventure Travel Ecuador: When calling from outside Ecuador: +593 94014877 When calling from inside Ecuador: 094014877 Alternatively, if you have already joined your tour, please direct your enquiries to your local tour leader.
Trip Length |
Trip Code |
7 days |
Countries Visited |
Ecuador, Galapagos Islands (Ecuador) |
Start City |
End City |
Quito, Pichincha, Ecuador |
Quito, Pichincha, Ecuador |
Bienvenidos! Welcome to Quito.
Your adventure begins with a welcome meeting in the evening of Day 1.
You can arrive at any time during the day as there are no activities planned until this important meeting; please check with the hotel reception where and when it will take place, or check the reception notice boards. If you can't arrange a flight that will have you arrive at the hotel by early evening, you may wish to arrive a day early so you're able to attend. We'll be happy to book additional accommodation for you (subject to availability). If you're going to be late, please inform the hotel reception. We'll be collecting your insurance details and next of kin information at this meeting, so please ensure you have all these details to provide to your leader.
Meals included: 1 breakfast, 1 lunch, 1 dinner
This morning we transfer to Quito Airport for our early morning flight to the Galapagos Islands. Be prepared for an early start as this could mean leaving the hotel as early as 4am. A US$10 per person transit card is payable on departure at Quito Airport and a US$100 per person national park entry fee is payable on arrival. Please have cash on hand for these transactions as using credit cards can be time consuming.
On arrival in the Galapagos we are met in the arrivals hall and then transferred to our boat, the Nemo I, anchored a short distance away. Once on board we'll be assigned our cabins, meet the crew members and get to know our naturalist guide and fellow travellers over a delicious lunch.
We sail to Isla Mosquera, an Islet situated between Baltra and North Seymour. This stretch of water is rich in sea life and is a popular spot for both sea lions and marine birds. Watch out for the boobies making their spectacularly quick headlong dives into the water. Isla Mosquera is a relaxing and picturesque spot with its uplifted coral reef with long stretches of white sand and rock pools. Along the rocks and in the tide pool, Sally Lightfoot crabs (red lava crabs) scamper back and forth, skipping across small pools of water in search of food. These crabs with their bright red shell tops and blue under shells are stunning against the black lava. The island also has a very large colony of sea lions as well as a sizeable resident brown pelican population. We also have the chance to go snorkelling.
Meals included: 1 breakfast, 1 lunch, 1 dinner
Isabela Island is the largest of the Galapagos archipelago. Isabela was formed by five giant volcanic craters, all of which are still considered active. The island is located in one of the youngest geological areas in the world, having been formed less than 1 million years ago. This southern coast of turquoise blue waters has the largest area of beaches in the Galapagos. Passengers will be required to pay a USD$20pp fee to enter Isabela Island
The Wetlands are the first exploration of the day, where we can observe migratory birds like sandpiper, common stilt, plovers, flamingos, American oystercatcher and many other interesting species. Then take a bus to the highest part of Isabela Island where Sierra Negra Volcano is located. Be prepared for a hike on a rocky trail that will take us to a spectacular view of the crater (weather permitting). On the hike we should see many finches of different species in the area.
We visit the Arnoldo Tupiza Tortoise breeding center. Here you can see the five sub species of tortoises from Isabela Island, some of which are bred in captivity.
Meals included: 1 breakfast, 1 lunch, 1 dinner
This morning we will go for a walk on the beach at the beautiful Ballena Bay. The main attraction is the observation of Darwin's finches. If we are in luck, we might be able to find small ground finches, large tree finches and woodpecker finches. We then take a great Panga Ride to Eden Islet which is an excellent place for snorkelling. Here we can see turtles, marine iguanas, rays, a variety tropical fish and hopefully reef shark. We will also observe blue footed boobies, Nazca boobies (masked), tropical birds and frigates.
We then set sail for Cerro Dragon (Dragon Hill), on Santa Cruz's north coast. From our dry landing we walk to a brackish lagoon frequented by lagoon birds including stilts, pintail ducks, sandpipers, sanderlings and occasionally flamingos. Further inland, the trail offers a beautiful view of the bay and the western area of the archipelago. This area is a nesting site for land iguanas, which is constantly monitored and assisted by the Charles Darwin Research Station. The arid-zone vegetation makes for a rewarding location for birdwatching, with Darwin's finches, Galapagos mockingbirds, the endemic Galapagos flycatcher and yellow warblers all regulars here. The path can be challenging but we'll be well rewarded with a spectacular view of the bay!
Meals included: 1 breakfast, 1 lunch, 1 dinner
Rabida Island is known for it's gorgeous red sandy beach (due to the rusting of iron) and is one of the most striking islands of the archipelago. From the shore, the trail leads through to what is one of the finest lagoons in the Galapagos for viewing flamingos. Rabida is also a wonderful place to spot nesting pelicans. Elsewhere, pintail ducks, marine iguanas and sea lions are all present. Here we will find great Opuntia cactus forest which suggests previous existence of land iguanas as predators, possibly Galapagos hawks, mocking birds, doves, and finches; lava lizards. There is also an opportunity for snorkelling where sea stars, damsels, gobbies and surgeon fish are numerous.
We take an active excursion to North Seymour, probably one of the Galapagos' most visited islands. On North Seymour Island the highlight will be seeing the blue footed boobies, swallow-tailed gulls, both species of frigate birds (Great and Magnificent), land iguanas, marine iguanas, California sea lions, endemic incense trees. The magnificent frigate bird, a large black bird with a long wingspan, and a hooked beak, is extremely fast and has excellent vision. Frigate birds are known for the large red pouch on their necks. During mating season the males thrown back their heads, inflate the pouch (sometimes to the size of a soccer ball), and shake trying to capture the attention of female frigates. Boobies and frigates have an interesting relationship. They share the same nesting area on North Seymour, with blue-footed boobies nesting on the ground, while the frigate birds nests just above them in the saltbushes. A solid walk is followed by snorkelling where we will find a great variety of fish, and possibly white-tipped reef sharks, rays and sea lions.
Meals included: 1 breakfast
Today we visit Santa Cruz, the second largest island in the Galapagos.
The small town of Puerto Ayora is the economic hub of the archipelago, and is also home to the Charles Darwin Research Station. The station's visitor centre and museum are essential stops for anyone interested in the archipelago's natural and human history, and keen to learn more about conservation efforts to preserve the unique ecosystems of the Galapagos. It also offers our best chance for close-up encounters with giant tortoises, and we can see many newborn and young giant turtles - part of the breeding program to reintroduce them to their natural habitat. Observe the Giant Opuntia and Jasminocereus cactus trees. Leisure time to explore Puerto Ayora, check email or have a drink at a local bar and see the local's way of life.
Sadly all good things must come to an end and this is our final excursion. We say farewell to The Galapagos Islands and head to the airport for our flight back to Quito for the last night of the tour. Upon arrival in Quito Airport we are transferred back to our hotel for an overnight stay.
Meals included: 1 breakfast
Our tour ends today after breakfast
There are no activities planned for the final day so we are able to depart the accommodation at any time. There are many fascinating things to do in and around Quito so please speak to our customer service representative about any optional activities that might be of interest.
The information provided here is given in good faith and has been compiled with all reasonable care. However, things change and some of the information may become out of date. Please ensure that you have the most up-to-date information for your trip. We recommend that you check the trip notes for your tour around one month before departure. If you have any queries, please contact us. We are here to help you!
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3rd March 2014
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Holmes interview before Farmers Insurance Open
Prior to the 2012 Farmers Insurance Open, J.B. Holmes addressed the media and discussed his recovery from brain surgery and return to the PGA TOUR.
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Things to See (Video): Dash Shaw's Burying Pornos (SFW) | |
Written by Mike Baehr | Filed under video, Things to see, Dash Shaw | 12 Nov 2010 11:56 AM |
A new short silent animated video from Dash Shaw. Dash explains at The Ruined Cast blog.
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