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Bluestone Academy Students Celebrate Success
25 August 2011
A training programme helping unemployed people into work in the Pembrokeshire tourism industry has graduated its first three students.
The Bluestone Skills Build Academy, a partnership between Bluestone National Park Resort and Pembrokeshire College, has successfully helped three people attain an NVQ in customer service and an in-depth knowledge and experience in customer service.
The graduates have trained in a range of roles at the five-star Bluestone resort near Narberth during an intense 12 week training programme. Two of the graduates have been employed by Bluestone, the third is awaiting a suitable vacancy.
"The Bluestone Academy demonstrates the importance placed on high quality training for anyone entering the tourism or hospitality industry," said Melanie Thompson, Training and Development Manager at Bluestone National Park Resort.
"We were impressed at the quality of candidates wanting to initially enter the Academy. This has come through with the final three successful graduates achieving NVQ qualifications and an in-depth understanding of the high standards expected within customer service, particularly at a five-star destination such as Bluestone."
The three graduates are George Hinton, Robert Lewellin and Nicholas Gronow.
"The Bluestone Academy has provided me with an opportunity to train and find employment in a sector that's vital for Pembrokeshire and West Wales," said graduate, Mr Hinton.
"I now have an understanding and appreciation of the high standards expected by tourism destinations such as the Bluestone short-break destination. The support and in-depth on the job training has been excellent."
The Bluestone Skills Build Academy is part of Bluestone's ongoing commitment to working with local business, organisations and the community overall within Pembrokeshire and West Wales. It received funding from the Welsh Government's Skill Build programme.
The Academy will run a programme again later in the year.
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(Latin: corpus, body)
An association recognized by law and considered in ordinary transactions as an individual. An ecclesiastical corporation, i.e., a moral person, is a juridical entity which from public authority is perfectly capable of acquiring and exercising legal rights. Such a corporation may be collegiate, e.g., chapters or religious orders, which are made up of individuals; collective, in which the members merely combine some of their powers and rights; or non-collegiate, e.g., seminaries or benefices, whose legal rights are exercised by administrators. The Catholic Church and the Apostolic See receive their legal personality from God; other moral persons, from ecclesiastical authority, either by enactment of the law, or by a formal decree of erection granted by the legitimate superior. Simple approval suffices for collective persons. The reason for the existence of moral persons must be religious or charitable. At least three physical persons are required for a collegiate body; a certain patrimony must be assigned for a non-collegiate body, to be administered for the accomplishment of the purpose of the institution. All moral persons are assimilated to minors, the law extending to them the protection it affords those under age. Non-collegiate bodies act through their administrators. Collegiate bodies act through the votes of their members, an absolute majority being necessary for deciding questions. By their nature, moral persons are perpetual. They cease to exist legally if suppressed by the power that can erect them. A collegiate body ceases de facto by the loss of all its members; but legally it exists for 100 years, so that 75 years after the death of the last member such a body could be revived. Ecclesiastical corporations, as such, are not recognized by the law of the United States; they are, however, given the status of private corporations.New Catholic Dictionary

subset: commoncrawl


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Date and Time: January 13th, 2015 at 5:30 pm
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Auto Racing Was Wildly Dangerous in the '30s—And a Lot More Fun
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At the time, auto racing in Britain was a hobby for the rich, and victory brought enormous prestige for the car maker and the driver. "I think it was because of all the nationalism associated with auto racing during the Interwar period," says John Heitmann, president of the Society of Automotive Historians. "It intensified the competition, even before Mussolini and Hitler got involved. And it was so exciting, and deadly."
One of the recurring stars in Brunell's photos is his daughter, Kitty. Among her smattering of high-place finishes in major races throughout Europe, she drove a Talbot 14/45 in the 1929 Monte Carlo Rally, with a body she designed herself. Talbot, impressed with her driving and design acumen, built a car dubbed the 1930 Kitty II in her honor.
Brunell's images, most of where were shot on glass plate, have now been digitized. National Motor Museum staff and volunteers researched the context of the scenes he captured. The photographs, along with over 20,000 others, are available from the Motoring Picture Library. An 8 x 6-inch print of Kitty wrenching on an old MG will cost you $20.


text: 302 E Beach Dr Status: Off Market MLS#: 470029 Contact Email this listing Share on Pinterest Share on Google+ Share on Facebook Share on Twitter Calculate Mortgage Print Flyer Get Directions Request a Showing Off Market 302 Beach Dr, Oak Island, NC 28465 is no longer on the market or has been removed from the MLS. Similar to 302 Beach Dr: Ask an Agent About 302 Beach Dr * Required fields Send Your Question × Monthly Payment Estimator Price: Down Payment: % Loan Amount: Loan Type: 30 Year Fixed 15 Year Fixed 5/1 ARM Interest Rate: % Est. Tax & Insurance: % ($/mo.) × Email a Listing 302 Beach Dr, Oak Island NC, 28465 From: Name: Email: To: Name: Email: Subject: Message: Take a look at this property I found on ReMaxEssential.com: http://www.remaxessential.com/homes/302-E-Beach-Dr/Oak-Island/NC/28465/18265866/ Send a copy of this message to me Send Email


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Yachting Experts adds Belize 54 to portfolio
Posted onSouth Florida sales and brokerage firm Yachting Experts is now representing the new Belize 54.
The yacht is the flagship of the Belize Motoryachts line from Riviera.
Yachting Experts is the exclusive sales and service partner for Belize and Riviera in Florida's Miami-Dade, Monroe and Broward counties.
The Belize 54 will make its official U.S. debut Oct. 31-Nov. 4 in the Riviera Yachts display at the Fort Lauderdale International Boat Show.
"We are delighted with the opportunity to offer the beautiful new Belize 54 on a semicustom basis. Owners can work with us and the boat's manufacturer to personalize their yacht by choosing from a wide variety of woods, stone and soft goods," Yachting Experts dealer principal Betty De Varona said in a statement.
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Lens Adapter Guidebook from High Road Productions is a guide to how to get great cinematic image quality with you DV or HD camera.
Digital production industry expert Noah Kadner teams up with fellow filmmaker Hal Long to deliver the goods on 35mm lens adapters.
Hal and Noah analyze the technical aspects of 35mm quality optics and how they can deliver excellent imagery. They then survey a variety of different lens adapters and lens types. These include products like the Letus, Brevis, Red Rock and P+S Technik.
You'll learn how to maximize your creative expression and squeeze every last drop out of your shots. You'll also learn how to setup a lens adapter and calibrate it step by step.
Part 1: Overview:
Chapter 1 Introduction
Chapter 2 Depth of Field: Sensors
Chapter 3 Depth of Field: Focus
Chapter 4 Depth of Field: Aperture
Chapter 5 Glass
Chapter 6 Speed
Chapter 7 Bokeh
Chapter 8 Chromatic Aberration
Chapter 9 Mounts
Chapter 10 Focal Length
1 Hour and 7 Minutes
Part 2: Hands-On:
Chapter 1 Arri Super Speeds
Chapter 2 Nikon Still Lenses
Chapter 3 Lomo Lenses
Chapter 4 Setup Demo
Chapter 5 Wrap Up
48 Minutes


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View Bud Labitan's Instablogs on:
Introduction To The Second Edition Of The Four Filters Invention Of Warren Buffett & Charlie Munger
Having read the first edition 5 years ago, Charlie Munger (Trades, Portfolio) recently wrote: "I applaud your effort and many of your conclusions."
How do we improve and optimize our investing decision making? This was the goal of the first edition of this book. Now, about 5 years later, this journey continues with more insights and examples.
We can use the Four Filters Invention of Warren E. Buffett and Charles T. Munger. Their four filters investing process helps us eliminate many inferior investing prospects. This filtering process helps us find high-quality winning investments. Their steps include evaluating a business' economics, its competitive position, its managers, and its intrinsic value. It provides us a tested and effective toolset.
How and why are these filters effective? Warren Buffett (Trades, Portfolio) said it best: "An investor cannot obtain superior profits from stocks by simply committing to a specific investment category or style. He or she can earn them only by carefully evaluating facts and continuously exercising discipline." These four filters focus on the business facts about the Products, Customers, Management, and the Financial Safety given by a bargain purchase.
The Four Filters are a search for: "Understandable first-class businesses, with enduring competitive advantages, accompanied by first-class managements, available at a bargain price."[i]
In my view, Warren Buffett (Trades, Portfolio) and Charlie Munger (Trades, Portfolio) invented an investing formula that is underappreciated by the business and academic communities. It is an amazing intellectual achievement in both practical and Behavioral Finance. The filters are an important set of steps used by the world's greatest investors for finding high quality investments.
As a useful guide for assessing intrinsic value and sensible price, the filters function as an effective time-tested focusing process for investing success. They help us frame our investing decision making process correctly, and help us prevent foolish and costly losses. Using this process, you and I will become better investors. We improve the way we think about businesses. This innovation uses qualitative factors as well as quantitative factors to help us find and insure a good stock or whole business for investment. It raises the odds of investing success.
The first edition received some criticism from casual readers stating that it restated many of the writings and talks of Buffett and Munger. Yes, it did. I tried to tell the story from their perspective. So the use of many quotations was necessary, and they were approved for use.
These critical readers did not realize that I was trying to design a book as if Warren or Charlie had written it themselves. Perhaps, I did not explain that clearly enough.
For example, if I insert a passage like this next one by Charlie Munger (Trades, Portfolio), it illustrates his frame of mind: "The way to win is to work, work, work, work and hope to have a few insights…. And you're probably not going to be smart enough to find thousands in a lifetime. And when you get a few, you really load up. It's just that simple."[ii]
This book is about the intellectual collaboration and experiences of two good friends who smartly changed the world of investing and invented a thoughtful and effective process. They made a lot of money for themselves and their shareholders. There is another treasure hidden in these words: how to improve and optimize our decision making process.
This is also a story about exercising self-discipline. Look to the future and think clearly for yourself. Be open to new ideas from wise people. Study the past, and learn from it. As Ben Graham said in the introduction of his book, The Intelligent Investor: "No statement is more true and better applicable to Wall Street than the famous warning of Santayana: "Those who do not remember the past are condemned to repeat it."
History is important to Charlie Munger (Trades, Portfolio) as well. He said this: "Business schools fail by teaching what is easy to teach but less useful. Going back to teaching business history as Harvard used to would be good; there's a lot to be learned from the rise and fall of GM, or the rise and fall and rise of railroads."
This book is about one smart way to frame a decision process using sound principles. How do we develop a better understanding of a business, its products, its present, its management, its earnings, and its future? Charlie Munger (Trades, Portfolio) said, "We read a lot. I don't know anyone who's wise who doesn't read a lot. But that's not enough: You have to have a temperament to grab ideas and do sensible things."[iii]
This year, 2014, I learned something new from the 2013 annual letter. I learned that retained earnings can be a "powerful competitive advantage." Warren Buffett (Trades, Portfolio) put it this way: "Here's a little known fact: Last year MidAmerican retained more dollars of earnings - by far - than any other American electric utility. We and our regulators see this as an important advantage - one almost certain to exist five, ten and twenty years from now."
Over the years, I have read all of the Letters to Shareholders of Berkshire Hathaway. I have also read most of the books and articles about Warren Buffett (Trades, Portfolio), his teacher Benjamin Graham, and his business partner Charlie Munger (Trades, Portfolio). I also served as the editor of Scott Thompson's fine textbook: "The Art & Science of Value Investing."
Having listened to many hours of audio lectures and interviews, I have been consistently interested in how Warren Buffett (Trades, Portfolio) and Charlie Munger (Trades, Portfolio) "frame" an investment decision, and how they find a winning investment prospect. This book is a story about their rational filter process. It helps them make better investing decisions. In the words of Charlie Munger (Trades, Portfolio), "You have to understand the odds and have the discipline to bet only when the odds are in your favor."[iv] And, I hope that this second edition adds more meat (examples) into your decision making process.
Warren Buffett (Trades, Portfolio) has written about the Four Filters in several ways. This behavioral sequence is always similar: "Charlie and I look for companies that have a) a business we understand; b) favorable long-term economics; c) able and trustworthy management; and d) a sensible price tag."[v] While Charlie Munger (Trades, Portfolio) has described the process as getting into high quality businesses, Warren Buffett (Trades, Portfolio) has also phrased the Four Filter process in this slightly different way: "When buying companies or common stocks, we look for understandable first-class businesses, with enduring competitive advantages, accompanied by first-class managements, available at a bargain price."[vi]
In 1996, Buffett wrote this about investing in public companies. It is a twist on the Four Filter formula that sets the bar towards realism and conservativism: "The art of investing in public companies successfully is little different from the art of successfully acquiring subsidiaries. In each case you simply want to acquire, at a sensible price, a business with excellent economics and able, honest management. Thereafter, you need only monitor whether these qualities are being preserved."[vii]
After devoting hours of thinking time into their investing ideas and guiding principles[viii], I felt like a man who stumbled upon hidden treasure in the middle of his back yard. I rediscovered a simple sequence called the Four Filters! They were there all the time.
In the 2003 Berkshire Hathaway annual meeting, a man asked Warren Buffett (Trades, Portfolio) this question: "Could you just take us thru your filter process when it comes to, selecting a company?" Warren Buffett (Trades, Portfolio) answered, "It's a question of a. Can I understand it?...if it makes it thru that filter…b. Does it have some kind of sustainable long-term competitive advantage…" If it makes it thru that filter…How do I feel about the management in terms of, their ability and honesty?.. and if it makes it thru that filter,…What's the price?... And if it gets it thru all four filters, I sign my name to the check."
These ideas sound so simple. Many people hear them at the Berkshire Hathaway annual meeting in Omaha each year. Yet, few people have stopped to think about the importance and usefulness of each individual filter.
As a formula, the Four Filters function as a set of "Investing Best Practices." They help us develop better "self-control." They force us to focus on "Wonderful Businesses."[ix] They function as a smart targeting system steering us with clear goals. And, using the Four Filters, promotes investing "self-discipline." This book unveils how the Four Filters are a significant intellectual achievement in Behavioral Finance.
In addition to the framing aspects to this decision making, the checklist nature of these Four Filters serve as a logical and sensible justification mechanism. A standard checklist serves to confirm or disconfirm evidence. Like pilots who use checklist prior to flying, the Four Filters help us frame a rational investment decision. Charlie Munger (Trades, Portfolio) believes in using checklist routines to help us avoid a lot of errors. These errors occur because our human brains are wired to find shortcuts, or what Munger calls "shortcut types of approximations."
Charlie Munger (Trades, Portfolio) said: "The main antidotes to miscues from Availability-Misweighing Tendency often involve procedures, including the use of checklists, which are almost always helpful."[x] At the USC Law School Commencement speech in 2007, he said: "You should have all of this elementary wisdom, and you should go through a mental checklist in order to use it. There is no other procedure that will work as well."[xi] Munger has also said: "You need a different checklist and different mental models for different companies. I can never make it easy by saying, 'Here are three things.' You have to derive it yourself to ingrain it in your head for the rest of your life."
To be fair, other great investors used quality checklists to earn profits. And, other great investors contributed "Best Practices" to the art of effective investing. Later in this book, we see the contributions of several investing thought leaders.
Do you have a "Happy Zone?" The Four Filters serve to increase the probability of investment success by defining "the right ball to hit." Buffett tells students this Ted Williams baseball analogy: "I put heavy weight on certainty. Use probability in your favor and avoid risk. It's not risky to buy securities at a fraction of what they are worth. Don't gamble. You're dealing with a lot of silly people in the marketplace; it's like a great big casino, and everyone else is boozing. Watch for unusual circumstances. Great investment opportunities come around when excellent companies are surrounded by unusual circumstances that cause the stock to be misappraised. In appraising the odds, Ted Williams explained how he increased his probability of hitting: "My argument is, to be a good hitter, you've got to get a good ball to hit. It's the first rule in the book."
This book trims "all the lean beef" into five chapters: "the Four Filter chapters and a summarizing chapter." The final summary chapter ties the filters together and demonstrate why these filters work to maximize the probability of investing success from both a mathematical and a practical point of view. This second edition adds in more solid examples as well as insights I have learned in the past five years. See the new section on Coca-Cola and their "Yield On Cost" estimation.
So, how were these Four Filters developed? Over the course of their investing experiences, Warren Buffett (Trades, Portfolio) and Charlie Munger (Trades, Portfolio) have had many discussions about the qualities of bad, good, and mediocre businesses they had invested in. Also, keep in mind that Charlie Munger (Trades, Portfolio) believes wisdom acquisition is a moral duty.[xii] So, the Four Filters seem to have evolved from their discussions and their early business and investing experiences.
Interestingly, the 1977 Letter to Shareholders of Berkshire Hathaway is the earliest one listing the Four Filters. It is also the earliest letter posted at the company's website: ( http://www.berkshirehathaway.com ). This Four Filters Formula was presented in this form: "We select our marketable equity securities in much the same way we would evaluate a business for acquisition in its entirety. We want the business to be (1) one that we can understand, (2) with favorable long-term prospects, (3) operated by honest and competent people, and (4) available at a very attractive price."[xiii]
Charlie Munger (Trades, Portfolio) said that once they had gotten over the hurdle of recognizing that a business could be a bargain based on quantitative measures that would have horrified Ben Graham, they started thinking about better businesses. Their results show the bulk of the billions earned at Berkshire Hathaway have come from the better businesses. Munger described their system this way: "We came to this notion of finding a mispriced bet and loading up when we were very confident that we were right. So we're way less diversified. And I think our system is miles better."[xiv]
For years, Buffett and Munger would site See's Candies as the best example of a "wonderful business." See's Candies taught Buffett and Munger much about the evaluation of franchises. Both men admit that they have made significant money because of the lessons they learned at See's. See's Candies is the wonderful business.
In their talks and writings, they refer to a great business as a "franchise" or a "wonderful business." Buffett wrote: "An economic franchise arises from a product or service that: (1) is needed or desired; (2) is thought by its customers to have no close substitute and; (3) is not subject to price regulation. The existence of all three conditions will be demonstrated by a company's ability to regularly price its product or service aggressively and thereby to earn high rates of return on capital. Moreover, franchises can tolerate mismanagement. Inept managers may diminish a franchise's profitability, but they cannot inflict mortal damage."
Buffett and Munger respect able and trustworthy managers. As you read about these great businesses, think about the product or service that: (1) is strongly desired; (2) has no close substitute and; (3) has pricing power. As Buffett said, "A moat that must be continuously rebuilt will eventually be no moat at all. Additionally, this criterion eliminates the business whose success depends on having a great manager." He summarizes it this way: "We believe that our formula - the purchase at sensible prices of businesses that have good underlying economics and are run by honest and able people - is certain to produce reasonable success. We expect, therefore, to keep on doing well."
[i] The Four Filters, Berkshire Chairman's Letter to Shareholders, 2007.
[ii] From the talk called "A Lesson on Elementary, Worldly Wisdom As It Relates To Investment Management & Business" by Charles Munger, USC Business School, 1994.
[iii] Berkshire Hathaway Annual Meeting, 2004.
[iv] Charlie Munger (Trades, Portfolio) talk at Harvard Law School, 2001.
[v] Berkshire Chairman's Letter to Shareholders, 2007, 6.
[vi] Berkshire Chairman's Letter to Shareholders, 1989,(www.berkshirehathaway.com/letters/1989.html).
[vii] Berkshire Chairman's Letter to Shareholders, 1996.
[viii] Owner-oriented principles, Berkshire Hathaway Owner's Manual, 1996.
[ix] Berkshire Chairman's Letter to Shareholders, 1989,(www.berkshirehathaway.com/letters/1989.html).
[x] (The Psychology of Human Misjudgment Revised Speech by Charles T. Munger), Kaufman, Peter D., Poor Charlie's Almanack, Virginia Beach, VA: PCA Publication, LLC, 2005.
[xi] Charlie Munger (Trades, Portfolio)'s speech at USC Law School Commencement, 2007.
[xii] Charlie Munger (Trades, Portfolio)'s speech at USC Law School Commencement, 2007.
[xiii] Berkshire Chairman's Letter to Shareholders, 1989, (http://www.berkshirehathaway.com/letters/1989.html).
[xiv] A Lesson on Elementary, Worldly Wisdom As It Relates To Investment Management & Business". Charles Munger, USC Business School, 1994.
Disclosure: I am long BRK.A, BRK.B.
Additional disclosure: I am the author of several books related to investment decision framing that are related to Warren Buffett, Charlie Munger, and Berkshire Hathaway.
The Second Edition Of Four Filters Invention Of Buffett & Munger Is Now Available.
The SECOND EDITION has more examples and insights !
It has grown from 146 to 206 pages. This edition has more Berkshire business examples added into the four core chapters. I took some of the examples from my book MOATS and edited in key businesses. Then, I explained how each is tied into the four main themes. Along the way, I tried to add in bits of how my thinking about these areas has evolved in the past five years. For example, five years ago, I did not realize the "competitive potency" of retained earnings in building up a business' moat. And, businesses having 40% gross margins, 30% operating margins, and 20% net margins, may have sustainable competitive advantages.
"The Four Filters Invention of Warren Buffett and Charlie Munger" examines each of the steps they perform in framing and making an investment decision. The author believes that Buffett and Munger expanded the field of "Behavioral Finance" by using this thoughtful and effective process. The genius of Buffett and Munger's four filters process was to capture all the important stakeholders in their decision making. Imagine... Products, Enduring Customers, Managers, and Margin-of-Safety... all in one mixed "qual + quant" formula.
This second edition contains additional examples in this amazing process. This edition also contains the author's look into their 1988 valuation of Coca-Cola. Each chapter has additional specific examples. The author also discusses additional insights he has learned in the past five years since the first edition was released.
Disclosure: I am long BRK.A, BRK.B.
Additional disclosure: I am the author of several books on decision framing in value investing related to Buffett, Munger, and Berkshire Hathaway businesses.
Winners Of The Great Recession
Winners Of The Great Recession
By Bud Labitan
Over the past five years, these businesses have prospered mightily. They have produced excellent returns in generating free cash flow for shareholders.
Apple Inc. AAPL
Google, Inc. GOOG
CF Industries CF
Priceline.com PCLN
BlackRock, Inc. BLK
ExxonMobil XOM
How did these businesses manage to prosper in a time many consider to be the worst economic period since the great depression of the 1930's? First, let me place this disclaimer. Some of these business descriptions are taken directly from each company's marketing material as well as other online sources.
The Great Global Recession of 2009 began around December 2007 and it took a sharper dive in September 2008. Recall that U.S. housing bubble peaked in 2006. But, irrational bubble valuation forces caused the values of securities tied to U.S. real estate pricing to plummet and damage financial institutions globally. It was sparked by the outbreak of the U.S. subprime mortgage crisis and financial crisis of 2007-08. The exact start and end-point for the recession greatly varied from country to country. Overall, it was the worst global recession since World War II.
Let's review how these businesses prospered during this Great Global Recession.
First, Apple designs, manufactures, and markets personal computers, mobile communication devices, and portable digital music and video players. It sells a variety of related software, services, peripherals, and networking solutions. It's products and services include iPhone®, iPad®, Mac®, iPod®, Apple TV®, a portfolio of consumer and professional software applications, the iOS and OS X® operating systems, iCloud®, and a variety of accessory, service and support offerings. Apple sells its products through its online stores, retail stores, direct sales force, and third-party wholesalers, resellers, and value-added resellers.
Apple also sells and delivers digital content and applications through the iTunes Store®, App StoreSM, iBookstoreSM, and Mac App Store. In addition, the Company sells a variety of third-party iPhone, iPad, Mac and iPod compatible products, including application software, and various accessories, through its online and retail stores. Its reportable operating segments consist of the Americas, Europe, Japan, Asia-Pacific and Retail. The Europe segment includes European countries, as well as the Middle East and Africa. The Asia-Pacific segment includes Australia and Asian countries. Apple's success has been in creating appealing devices that attract loyal customers who are willing to pay premium prices to own this brand.
Next, Google Incorporated became the most popular internet search service. This global technology company is engaged in improving the ways people connect with information. It is now focused around the key areas of: search, advertising, operating systems and platforms, enterprise and hardware products. It integrates innovative features into its search service and offer specialized search services to help users tailor their search.
In January 2012, the Company launched Search plus Your World. When a user performs a signed-in search on Google, the user's results page may include Google+ content from people that the user is close to. Advertising includes Google Search, Google Display, Google Mobile and Google Local. AdWords is the Company's auction-based advertising program delivering ads relevant to search queries or Web content.
The Company, along with Open Handset Alliance has developed Android mobile software platform that any developer can use to create applications for mobile devices and any handset manufacturer can install on a device.
Google Chrome OS is an open source operating system with the Google Chrome Web browser as its foundation. The Chrome browser runs on Windows, Mac, and Linux computers. Google TV is a platform that enables the consumers to experience television and the Internet on a single screen, with the ability to search and find the content they want to watch. It is based on the Android operating system and runs the Google Chrome browser.
Google's enterprise products provide Google Apps. These include Gmail, Google Docs, Google Calendar, and Google Sites. The Company provides hosted, Web-based applications that people use on any device with a browser and an Internet connection.
The Company also provides versions of its Google Maps Application Programming Interface (NYSEMKT:API) for businesses, as well as Google Earth Enterprise (a behind-the-company-firewall software solution for imagery and data visualization).
Google competes with Yahoo! Inc., Microsoft Corporation's Bing, YouTube, Facebook, Twitter, WebMD for health queries, Kayak for travel queries, Monster.com for job queries, and Amazon.com and eBay for e-commerce.
Google's success has been in creating an appealing and useful search service and the Android operating system that attract customers.
This business was a bit of a surprise to me. I did not realize how much the fertilizer industry has grown until I viewed an insightful PBS documentary called "America Revealed."
With only 2,600 employees, CF Industries Holdings, founded in 1946, manufactures and distributes nitrogen and phosphate fertilizer products around the world. The business of the Company is divided into two operating segments, the nitrogen segment and the phosphate segment. The Nitrogen segment includes the manufacture and sale of ammonia, urea, and UAN. The Company's principal products in the nitrogen segment are ammonia, granular urea, urea ammonium nitrate solution, or UAN, and ammonium nitrate, or AN. The Company's other nitrogen products include urea liquor, diesel exhaust fluid, or DEF, and aqua ammonia, which are sold primarily to its industrial customers. The Company operates seven nitrogen fertilizer production facilities in North America.
The phosphate segment includes the manufacture and sale of DAP and MAP. The Company's principal products in the phosphate segment are diammonium phosphate, or DAP, and monoammonium phosphate, or MAP. The Company's core market and distribution facilities are concentrated in the Midwestern United States and other major agricultural areas of the U.S. and Canada.
CF Industries Holdings also exports nitrogen fertilizer products from its Donaldsonville, Louisiana manufacturing facilities and phosphate fertilizer products from its Florida phosphate operations through its Tampa port facility. In the nitrogen segment, the Company's primary North American-based competitors include Agrium and Koch Nitrogen Fertilizers. In the phosphate segment, the Company's primary North American-based competitors include Agrium, Mosaic, Potash Corp. and Simplot.
CF Industries' success has been in creating a large and efficient producer and distributor of nitrogen and phosphate based fertilizers around the world.
Next, is Priceline.com Incorporated. It shows us that customers took their bargain hunting practices online and found Priceline appealing. Priceline.com is an online travel company that offers its customers a range of travel services, including hotel rooms, car rentals, airline tickets, vacation packages, cruises and destination services.
Priceline also operates a retail, price-disclosed hotel reservation service in the United States, which enables its customers to select the exact hotel they want to book. Then, the price of the reservation is disclosed prior to booking. It offers such reservations through a merchant model, as well as through an agency model for hotel room night reservations sourced through Booking.com Booking.com is the internet hotel reservation service, with offices worldwide. Booking.com works with over 185,000 hotels and accommodations in over 160 countries offering hotel reservations on various websites and in 41 languages. In May 2010, it acquired the rentalcars.com business, a United Kingdom-based international rental car reservation service formerly known as TravelJigsaw.
Rentalcars.com offers its car hire services in more than 4,000 locations throughout the world, with customer support provided in 38 languages.
Priceline competes with both online and traditional sellers of the services it offers. The market for the services it offers is intensely competitive, and current and new competitors can launch new sites at a relatively low cost. However, over the past five years, customers found Priceline to be the appealing leader in this space.
Next, Blackrock Incorporated made my list because it showed tremendous growth and profitability during this period. BlackRock, Inc. is the publicly traded investment management firm. BlackRock along with its subsidiaries provides investment management and securities lending services to institutional clients and to individual investors through various investment vehicles. Investment management services mainly consist of the management of fixed income, cash management and equity client accounts, the management of a number of open-end and closed-end mutual fund families, exchange traded funds and other non-U.S. equivalent retail products serving the institutional and retail markets, and the management of other investments funds, including common trusts and alternative funds, developed to serve various customer needs.
BlackRock also provides market risk management, financial markets advisory and enterprise investment system services to a base of clients. Financial markets advisory services include valuation services relating to illiquid securities, dispositions and workout assignments, risk management and strategic planning and execution.
BlackRock's clients include taxable, tax-exempt and official institutions, high net worth individuals and retail investors. On December 1, 2009, BlackRock acquired Barclays Global Investors ("BGI") from Barclays Bank PLC ("Barclays"), referred to as the "BGI Transaction", adding investment and risk management capabilities and more than 3,500 new colleagues to the combined organization.
BlackRock's BGI Products include equity, Fixed income, Multi-Asset Class, Alternative Investments, Alternative Investments, Cash Management, BlackRock Solutions and Advisory, Transition Management Services and Product Performance Notes. BGI has long been recognized for product innovation in indexed and scientific investing, including pioneering iShares, the industry's ETF platform, sophisticated retirement solutions and liability-driven investment strategies. These strengths complement BlackRock's active fundamental portfolio management capabilities, global mutual fund platform, customized solutions, risk management and advisory services.
BlackRock operates in a global marketplace characterized by a high degree of market volatility and economic uncertainty, factors that can significantly affect earnings and stockholder returns in any given period. The Company's product offerings, which enhance its ability to offer a variety of traditional and alternative investment products across the risk spectrum and to tailor single- and multi- asset class investment solutions to address specific client needs. In addition, through BlackRock Solutions, the Company offers a broad spectrum of investment management and risk management products and services.
Investment management offerings include single- and multi-asset class portfolios, which might be structured to focus on a particular investment style, capitalization range, region or market sector; credit or maturity profile; or liability structure. It uses Aladdin and other state-of-the-art tools and work closely with BlackRock's trading cost research team to manage four dimensions of risk throughout the transition: exposure, execution, process and operational risk.
BlackRock manages money for institutional and retail investors worldwide. Its client base is by both geography and client type. The Company serves clients through 74 offices across four regions: United States and Canada, EMEA, Asia Pacific and Latin America and Iberia.
BlackRock clients include tax-exempt institutions, such as defined benefit and defined contribution pension plans, charities, foundations and endowments; official institutions, such as central banks, sovereign wealth funds, supranationals and other government entities; taxable institutions, including insurance companies, financial institutions, corporations and third party fund sponsors; and retail and high net worth investors. Since customers found Blackrock managers to be able and trustworthy, it grew and profited mightily during this period.
Finally, I mention the giant energy company ExxonMobil. I read that Berkshire Hathaway's portfolio has recently shown a new position of 40.1 million shares valued at $3.4 billion.
ExxonMobil (NYSE: XOM) is the largest of the vertically integrated oil companies. It is also the second largest publicly-traded corporation in the world by market cap and revenue. With a market value of $417 billion, and smart strategic investments, ExxonMobil has longevity. It also pays a 2.7% dividend yield.
In his 2011 shareholder letter, Buffett wrote: "A century from now... ExxonMobil will probably have delivered trillions of dollars in dividends to its owners and will also hold assets worth many more trillions..."
Recent investments in shale and natural gas production indicate that ExxonMobil will be earning cash for its shareholders for the next several decades. It has invested more in natural gas. ExxonMobil completed a $30 billion project to develop the world's largest natural gas field. This field is located in the Persian Gulf state of Qatar. It is expected to boost the company's gas production and make ExxonMobil the world's largest natural gas producer. The North Field is expected to contain 900 trillion feet of natural gas. ExxonMobil also agreed to a joint venture with Royal Dutch Shell and Chevron to construct a liquefied natural gas facility on Barrow Island off the coast of Australia. Chevron will own 50% of the facility while Shell and Exxon will each have 25%.
Exxon strengthened itself in Natural Gas by the acquisition of XTO Energy (shale). XTO has a strong hold in shale, including the Marcellus, Haynesville and the Bakken basins.
XTO drove a surge in U.S. fuel output by exploiting fracking. XTO Energy's resource was reported to consist of 45 trillion cubic feet of gas. The XTO acquisition complimented Exxon's presence in other shale areas such as the Piceance Basin in Colorado. The company has been producing natural gas from the basin for more than 50 years and it has a reported estimate of 1.5 trillion barrels of in-place oil shale resources.
So, what about an estimate of ExxonMobil's stock value? Here, I propose that ExxonMobil has created a sustainable competitive advantage that I did not appreciate prior to reading about Buffett and Berkshire's recent investment. Its moves to secure future sources of oil, shale, and natural gas has secured more years of future cash flows for its shareholders.
If we do a simple one or two stage DCF valuation estimation based on 10 to 15 years, a big piece of value may be missed. I argue that ExxonMobil has created a valuable advantage for itself and its shareholders that stretch the Excess Return Period (yrs) to at least 20 years, and maybe even more years. So, here is my argument simplified. For the sake of simplicity and estimation, let's first take a look at the DCF estimate posted at Valupro.net Is it reasonable? Did Buffett and Berkshire get a good bargain?
Here is one view to consider. For the sake of conservatism, we may drop the growth rate to 5% at their model. However, I argue that, in view of long rage planning and investments in shale and natural gas, you may also conservatively extend the Excess Return Period (yrs) to 20 years. This would result in an estimated intrinsic value of about $135 per share. And, if Buffett and Berkshire purchased XOM at an average cost of $85, they got a bargain of around 37% in a large business leader. Over time, the world economies will demand more energy production. In consideration of ExxonMobil's added durable competitive advantages, the "Yield On Cost" of this investment may prove to be even more profitable.
In summary, how do we tie all these good stories together? Think of the times when customers are pleased by the terms of supply and demand. As Ben Franklin wisely said, "No nation was ever ruined by trade."
* * * *
Bud Labitan is the author and editor of "MOATS : The Competitive Advantages of Buffett & Munger Businesses." Moats discusses the competitive advantages of 70 Berkshire Hathaway businesses and it is targeted towards business school students, investors, and business managers. He is also the author of other books on investment decision framing and decision making. These include the "1988 Valuation of Coca-Cola", "Price To Value", "Valuations", and "The Four Filters Invention of Warren Buffett and Charlie Munger."
Disclosure: I have no positions in any stocks mentioned, but may initiate a long position in AAPL, GOOG, CF, PCLN, BLK, XOM, BRK.A over the next 72 hours.
Introduction To The Second Edition Of The Four Filters Invention Of Warren Buffett &... $BRK.A, $BRK.B http://seekingalpha.com/p/1nkaj Mar 23, 2014
The Second Edition Of Four Filters Invention Of Buffett & Munger Is Now Available. http://seekingalpha.com/p/1n8tr Mar 18, 2014
$KO http://seekingalpha.com/p/112h5 Apr 7, 2013
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Time Out Ratings :
Rating: 4/5Time Out Ratings :
Rating: 3/5
Series two, episode three and series one, episode three
E4's back-to-back billing of these two gal-centric comedies continues, with 'New Girl' feeling the less cynical of the pair. Jess and her loft-mates might behave oddly, but they do so with a certain amount of self-awareness: they are not the gradually humanised eccentrics that populate lesser sitcoms.
Jokes often stem from the characters' attempts to amuse each other, so our laughter feels less like the belatedly realised objective of an LA writers' meeting. Although it does tend towards the huggy/learny, 'New Girl' is subtle and offbeat enough to be not only satisfyingly funny, but genuinely charming too. This week sees Jess realising that she uses flatmate Nick as an emotional 'fluffer': in other words, he's her boyfriend 'without the rewards'.
On 'The Mindy Project', meanwhile, Mindy's colleagues turn her clubbing plans into an ill-omened work outing (with the brilliant Ike Barinholtz doing a definitive accidental-toilet-attendant bit). Despite the opening episode's surreal moments, 'The Mindy Project' is turning out to be just another well-made US sitcom: clever and slick, but so formulaic it verges on the mechanical.
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Bengali New Year is called as a "Pôhela Boishakh" in Bengali language. Normally Bengali New Year date would come April 14 or April 15. In this year April 14 will be celebrated as Bengali New Year.
Officially, West Bengal state celebrates Bengali New Year every year. The Bengali people celebrate new year with the sweets and rangoli in their home.
Apart from West Bengal large amount of people living in Andaman and Nicobar Island, they celebrate Bengali New year through going to temple with the family and wishes other one.
Bengali New Year 2014 Smart Phone SMS in Bengali
This is last evening of Bengali Year 1420
Last sun of Bengali Year 1420
Has spread its shine On earth,
Feel remaining
Moments of last day,
Scatter happiness
Best of luck for Bengali New Year 1421!!!


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C-level Business Consulting Firm
Leveraging Cloud Technology for Profitability and Competitive Advantage
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Coming up in December 2014
Have you ever looked back and said, "If I only knew then what I know now, I would have done things completely different."? Without planning; At Best, the first attempt deploying any new technology never works out as well as it was planned. At its worst, new technology is a costly mistake that eats capital with little return on investment (ROI).


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2002 Ford Taurus Ratings
Getting firsthand information from an actual car owner is one sure way to get an idea of car performance once it leaves the lot. Autobytel features real consumer reviews that give the unbiased experience of a car.
2002 Ford Taurus - SEL Premium (420A) Sedan
Pros: Styling and comfort
Cons: Slight vibration at highway speed
Advice: When purchasing make sure vehicle isn't an ex rental vehicle
Purchased car new in 2003 as a still brand new 2002. Overall car has been great although there has been a couple of problems. Car now has 55000 miles. One problem is the same as the previous post with a vibration. Had the wheels balanced twice but problem still exists. Warped rotors may be causing this as the brakes vibrate when applied. Amazingly I'm still on the original brakes and dealership says there is still lots of material left on them. I'll put up with a bit of vibration. Also original Continental tires are still on the vehicle and dealer says they are still in great shape. Had the heater blower replaced due to a cowl leak at a cost of $400.00. Vehicle was out of warranty at the time. Other than the problems mentioned vehicle has performed well and has been very reliable. Seats are comfortable on long trips and trunk has lot's of space for luggage. Car has the base 3.0 engine which has enough power for safe passing and is good on fuel. Car seems to be well assembled with no rattles and interior materials look good. When comparison shopping the Taurus seems to be the best value going in the mid-size market. Nothing compares to it for value. it has a much better ride than comparable Japanese models for much less money. I actually know 3 people who bought Taurus's after seeing mine and have been very happy with them. 2 of them have 2002's and one has a 2003. It's really a shame the Taurus will be discontinued after this year although the Fusion is a great looking and well designed car. It will be my next purchase. -
2002 Ford Taurus - SE Standard (210A) Sedan
Pros: Interior room
Cons: Transmission problems
Advice: Buy the extra warranty
This looked like a solid car. I liked the price for the amount of room inside. My car has been in for transmission repairs twice now in less than 50000 miles. The driver side power window has been in for repair three times. I had to replace the alternator after just 48000 miles. Thank God for extended warranties. Overall not a bad car for the price. I have talked to several current Taurus owners and they all loved their cars. Luck of the draw I guess. -
2002 Ford Taurus - SEL Deluxe (400A) Sedan
Pros: Durratec V6
Cons: Fuel door on passenger side. Not a real problem though.
Advice: Excellent buy for the money- Fells smoother and quieter than Camry, better fuel mileage on regular fuel.
Excellent Sedan espeially with the Durratec V6. Smooth Quiet and very comfortable. -
2002 Ford Taurus - SE Standard (210A) Sedan
Pros: Luxurious feel
Cons: Acceleration could be better, but then again...
Advice: Definitely a car to consider, you may find youself surprised (in a good way)
Handles smoothly, relatively quiet. A sophisticated vehicle for a nice price. -
2002 Ford Taurus - SEL Premium (420A) Sedan
Pros: I enjoy the appearance of the car most of all.
Cons: The leather seats are cold in the winter. Heated seats would help.
Advice: With reduced finance rates, the upgrade to the SEL model is within reach. It will give you side air bags and traction control, both very important.
This car is a very good buy for the money. It is very responsive and handles very well. The SEL has all the bells and whistles, although I would like to see heated seats as an option. Overall, I am very pleased with the Taurus. -
2002 Ford Taurus - LX Standard (100A) Sedan
Pros: INTERIOR SAME COLOR AS EXTERIOR
Cons: THE VIBRATING WHILE DRIVING
Advice: JUST CHECK IT OUT BEFORE YOU BUY IT.I LOVED MINE
2002 Ford Taurus - SEL Premium (420A) Sedan
Pros: Leather interior
Cons: No keypad on door.
Advice: Get the spoiler
Rides great, improved tranmission from previos year.


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Eve Online player LocalZ?
Printable View
This is mine at the moment.
This is mine - still a work in progress at the moment though :)
Home Computer.
I present to you powdarrmonkey's desktop exactly three minutes ago (after tidying, but lack of coffee has resulted in some blur).
I couldn't resist.
its a bit blurred but the logo has changed! our logo stone logo doesn't have blue in it just plain grey :( cheaper version then!
No, the grey rock shape is the new logo.
that would be why?
I've no idea, ask Stone. Probably because it looks more like a stone?


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All Cookware Sale
Sur La Table® Tri-Ply Stainless Steel Sauté Pan, 3 qt.
Now: $65.96
Was: $109.95
Cookware Sale
up to 40% offBakeware Sale
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$100 in Free CoffeeKitchen Linens Sale
Aprons up to 50% offNow: $65.96
Was: $109.95
Spice up your Inbox - Be the first to hear about new products, special offers, events and more.
Sur La Table ©2015


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Toddler dies after being struck by car outside Taft
CORPUS CHRISTI - A toddler died late Wednesday after being struck by a vehicle when he wandered into the street outside the city of Taft, police said.
Two-year-old Johndavid Michael Gurk was struck by a Volkswagen Jetta at 6:57 p.m. on Wilburn Street in San Patricio County, according to the Department of Public Safety report.
He was taken to Christus Spohn Hospital Memorial where he died at 8:35 p.m.
The female driver was not ticketed, officials said.
Services for Johndavid are Saturday with Limbaugh Funeral Home, Portland.


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King James Version (KJV) | New International Version (NIV) |
11 The rich man is wise in his own conceit; but the poor that hath understanding searcheth him out . | 11 A rich man may be wise in his own eyes, but a poor man who has discernment sees through him. |
The King James Version is in the public domain. (The King James Bible Version Online) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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New Orleans Saints quarterback Drew Brees says he is donating $1 million to Superstorm Sandy relief efforts.
Brees told CBS' "Person to Person" in an interview to air Friday that the donation will come through the Dream Foundation he runs with his wife, Brittany. He did not say who will be receiving the donation.
Brees says he and his wife want to give back what's been given to them. They say their foundation will also be donating $2 million to various New Orleans organizations over the next several months.
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.
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- Delhi University Massive Open Online Course(DU-MOOC)
Posted on : 23rd Jan,2015
- DU-MOOC Online Registration Form:
Posted on : 23rd Jan,2015
- Application invited from PWD Category for the VC Gold metal:
Posted on : 21st Jan,2015
- Fresh ID card application for Students:
Posted on : 21st Jan,2015
- National Student Academic Congress Note:
Posted on : 16th Dec,2014
- Report On National Conference(NCPE):
Posted on : 22th Nov,2014
Posted on : 12th Nov,2014
- National Conference(NCETCSIS) On 13th March,2015 Sponsored by UGC
Posted on : 29th Oct,2014
- Scholarship For DU Students
Posted on : 2nd Sept,2014
- Prospectus 2014-15
Posted on : 21st june,2014
Final Time Table...
- Notice for Guest Lect/Coached
Posted on : 21st Jan,2015
- Updated Roster for MAC
Posted on : 5th Nov,2014
- CAS Perfoma 2014
Posted on : 3rd Nov,2014
- - Important University Notification:
Posted on : 14th Oct,2014
- Career Advancement Scheme Perfoma
Posted on : 27th Aug,2014
- UGC Quidelines for Career Advancement Scheme
Posted on : 27th Aug,2014
- Notice for Teacher's
Posted on : 1st Aug,2014
Teacher Time Table...
Maharaja Agrasen College is a learning community where students, teachers and staff collectively develop their intellectual and social capabilities. We believe that the path to individual and collective success lies in accepting challenges as opportunities for growth. Our institution inculcates the values of hard work and diligence amongst its students and staff enabling them to overcome obstacles in the journey of their future lives with dignity and poise. We aim at nothing less than the best and devote all our resources towards that end.
In 2013, Maharaja Agrasen College was awarded with the Best College Award by the University of Delhi for its good practices towards creating the best academic environment amongst all the colleges of the University. The Award was given by the Secretary, Ministry of Human Resource Development, Government of India, on February 24, 2013, in the presence of Vice-Chancellor, University of Delhi.
" TECHNOLOGY FOR YOU " the Technical E-magazine of Department of Computer Science...Click here to view
National Conference(NCETCSIS) On 13th March,2015 Sponsored by UGC


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Read Right Now! DENTIST
Read Right Now! books you can read online, right now, with no waiting!
Watch Doctor DeSoto - Doctor De Soto, a mouse dentist, faces a complex decision when his enemy, the fox, comes to him with a severe toothache. |
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- Fred Rogers Talks About Going to the Dentist
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- eBook: Disney Junior - Archie's New Tooth
- Online Game: Sesame Street - Brushing Teeth
- Online Game: Sesame Street Play Along Story - Tooth Fairy Training Class
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Want to read more without ever leaving home? Use your indyPL library card to download eBooks and audiobooks. Click on a book jacket to choose a book to download.


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The Book Report Network
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Fans of the Blossom Street series, prepare to rejoice! Within Seattle shop A Good Yarn's community, several knitters endeavor to overcome love snafus. Meanwhile, a mysterious do-gooder is planting "Knit Me" baskets of knitting projects around the city. Whoever it is brings publicity and increased business to Lydia's yarn shop. Who could it be?
Read more »
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Life Technologies And RainTree Oncology Services Announce Collaboration To Bring Molecular Tumor Testing To Community Oncologists
CARLSBAD, Calif.,
Aug. 5, 2013 /PRNewswire/ --
Life Technologies Corporation (NASDAQ: LIFE) and RainTree Oncology Services today announced they have entered into a collaboration agreement designed to further the advancement of personalized care for cancer patients.
Through the collaboration, RainTree and Life Technologies will seek to make the latest advances in molecular testing available to the broader patient market and will work to develop a streamlined protocol for entering patients into clinical trials for new targeted therapies.
Key elements of the collaboration are:
- Collaborate on matching oncology patients to clinical trials using a Next Generation Sequencing Oncology screening panel;
- Develop a clinical trials recruitment database which incorporates RainTree's broad patient data set, enhanced by other data sources, including Life's Compendia analytics engine;
- Educate private payors and health plans about the benefits of Next Generation Sequencing; and
- Build and market comprehensive product, test and data offerings for clinical research organizations.
"Today's announcement emphasizes RainTree Oncology Services' commitment to providing access to cutting edge capabilities to the over 600 community oncologists and approximately 40 practices that we serve," said Mike Martin, chief executive officer of RainTree. "The world of personalized medicine is moving very fast, and the collaboration with Life Technologies ensures we stay active in the development of advanced molecular diagnostic capabilities to connect our physicians and patients with the latest in therapeutic discovery."
"Our goal is to ensure that patients in the community setting have the same access to advanced technologies, such as genetic sequencing, as patients in the top academic centers," said Ronnie Andrews, president of genetic and medical sciences at Life Technologies. "This collaboration also establishes a mechanism for pharmaceutical companies to identify the patients they need for clinical trials to bring new, targeted therapies to market." "Life Technologies and RainTree Oncology share a mutual commitment to improving cancer care in the community setting, where the majority of patients are diagnosed and treated," said Andrews.Check Out Our Best Services for Investors
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I have a few large stems from Logee's "Double White" brugs and a few from a pink that I'm sure had a name ... but they all sort of look the same to me.
Also had a banner year for regular green elephant ears because of last years mild winter, so I am really HOPPING now trying to thin them out. I am Not TRADING.... and I am NOT MAILING...I am under the gun now with the cold closing in, so I will be leaving these in a bucket or tub at the end of my driveway and if you want them, email me for the address and pick them up.... freecycle style! Bring a plastic bag or a bucket to put them in bcause they will likely be wet and I will be VERY unhappy if you take MY bucket/tub. Cheers!
Follow-Up Postings:
- Posted by pipersville_carol z6 Bucks PA (My Page) on Wed, Oct 25, 06 at 18:25
Did anybody take 'em, macca? |
Hi Carol! Are you interested or just trying to move the post? Actually the FIRST Bushel or so WERE taken...But I have refilled the tub.... Theres still lots of Elephant ears out there.... And I still have another very large brug to cut back Lemme know what ya want and I'll make sure it's out there!!! Macca |
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To be blessed as we leave worship and go out into the world is a lovely moment. Whether that blessing is short (Go in peace) or long (The Lord bless you and keep you….), ancient or composed in the moment, it brings a graceful conclusion to a sacred, heart-felt time and paints a word picture that can last. This week's resources are benedictions from across the country. Try them, or better yet, write your own!
May God's peace rest upon us;
May God's great love reach to every heart;
Go into the seething cauldron of the world.
Listen for the questions and voices
that you would rather not hear.
When beauty illumines a corner of your life, may your thanks to God spread that light through your whole being.
read more


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Amayavillatoro Family Photos
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King James Version (KJV) | New International Version (NIV) |
14 But without thy mind would I do nothing; that thy benefit should not be as it were of necessity, but willingly . | 14 But I did not want to do anything without your consent, so that any favor you do will be spontaneous and not forced. |
The King James Version is in the public domain. (The King James Bible Version Online) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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Tucson Golf Vacation Package Special now to the first of the year!
9 Oct
posted by Ryan HernandezCategories: Arizona, Destination, Golf Packages, Golf Vacation, Lodging, Sonoran Suites, Tucson, Tucson Golf Packages, Vacation, Vacation Rentals, Value Packages
Tags: Budget Golf Vacations, Golf Package to Tucson, Golf Vacation to Tucson, Tucson Golf Vacations
Comments: 0
Tucson Golf Vacation Package Special
Sonoran Suites Golf Vacations is offering one heck of a deal, now through the first of the year get in on this spectacular Tucson Golf Vacation Package Special! With the weather growing milder with each day, visiting Tucson on a Golf Vacation is probably going to be one of the best ideas you've had in quite some time. If you are like any of us, we love to visit warm places during the cooler seasons because we can get back outside, breath a breath of warm fresh air and enjoy the finer things such as Golf!
With Sonoran Suites Tucson Golf Vacation Package Special you will be able to do just that. First you will be golfing at some of the best Golf Courses that Tucson, Arizona has to offer such as; Vistoso, AZ National, Heritage Highlands and El Conquistador Golf Courses. During your stay in Tucson, Arizona on your Tucson Golf Vacation you will enjoy Fully Furnished Vacation Rentals right in the heart of Tucson. The Condos that Sonoran Suites of Tucson offers spectacular views, swimming pools, large kitchens, living rooms, 1 to 3 bedrooms, flat screen TV's and so much more. Go ahead, plan for a Barbeque because there are also grills readily available for you and your crew to use when you're ready to share a few beers around the table. For only $599.00 TOTAL Per-Person you can finally get that Golf Vacation you deserve for the right price! Get your FREE quote today!
A Tucson Golf Vacation Package is exactly what you and your group will need once they get the slightest inclination of colder weather. With South Dakota already getting several feet of snow, the snow will be coming your way next. The only way to beat the cold is to visit the Southwest Coast of the United States and really enjoy what we have to offer you! If a Tucson Golf Vacation Package isn't what you are searching for Sonoran Suites Golf Vacations also offers you Golf Vacations to Scottsdale, Palm Springs, San Diego, Mesquite and Las Vegas. No matter what type of weather you crave for your Fall or Winter plans the Southwest has it and with Sonoran Suites Golf Vacations being in business since 1997 we will have the perfect Golf Vacation ready and waiting for you! Visit our website today and fill out a FREE Quote!
What you get with our Tucson Golf Vacation Package Special:
- 5 Nights at Sonoran Suites of Tucson
- 2 Bedroom Fully Furnished Vacation Rental
- 4 Rounds of Golf at:
- Vistoso
- AZ National
- Heritage Highlands
- El Conquistador


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Good News Translation (GNT) | New International Version (NIV) |
6 May they all be like grass growing on the housetops, which dries up before it can grow; | 6 May they be like grass on the roof, which withers before it can grow; |
Scripture taken from the Good News Translation - Second Edition, Copyright 1992 by American Bible Society. Used by Permission. (The Good News Translation - The Holy Bible Online) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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Video files are large, by nature. And that means moving them from your Windows computer to your other devices or converting them can be painfully slow.
But with RealPlayer Plus Accelerated Transfer and Conversion it's 100% faster than on the free version – even if you're transferring lots of videos at the same time, even if they're HD videos.
This feature works on RealPlayer Plus for Windows, if you are using cables to transfer video files from your Windows computer to your devices. The feature shouldn't be confused with the RealPlayer Cloud feature, which allows you to transfer videos wirelessly.
So if you do a lot of transferring to Smartphones or tablets using cables, or converting a lot of videos to formats such as MP3, it will save you a lot of time.
This feature comes free with a RealPlayer Cloud Premium Account, which includes all RealPlayer Plus features, as well as 100GB of video storage space.
Limited time offer! 50% off.
Upgrade to a Gold 100GB Premium account for just £7.99 £3.99 per month.
For Windows only


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Welcome We are inviting female students (17-21 years old) attending the University of Melbourne to take part in this research project. This research aims to understand how common a genital infection called bacterial vaginosis (BV) is in young Australian women, and how it may be related to different types of sexual activity or factors such as contraceptive use.
We hope this research will lead to improvements in our management of this common genital infection. The following sections discuss the purpose of this research and what participation in this project involves. if you are interested in being involved in this study please call 1800 458 406 or email us on firstname.lastname@example.com


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Technote (troubleshooting)
Attempts to start an IBM Rational DOORS client results in the error "License Error: Cannot checkout an uncounted license within a Windows Terminal Services guest session."
The full error message is as follows:
License Error: Cannot checkout an uncounted license within a Windows Terminal Services guest session.
Fetaure: DOORS
License path: C:\Program Files\IBM\Rational\DEMO_license.dat;
FLEXnet Licensing error: -103,577
For futher information, refer to the FLEXnet Licesning documentation,
available at "www.macrovision.com".
The error is seen when DEMO or stand-alone (Authorized User) license file is being used and trying to launch DOORS from a Remote Desktop Connection.
Demo or stand-alone (Authorized User) licenses are uncounted licenses and cannot be used via a remote desktop connection.
Resolving the problem
In order to check out DOORS license from a Remote Desktop, you must use a counted floating/server license for DOORS.


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Samsung's new Galaxy Tab 3 will run on Intel microprocessors.
In order to catch up in the mobile market, Intel is working hard to get ahead in mobile processor design while simultaneously moving to smaller circuitry.
For the past two decades, the liquid display industry has revolved around thin film transistors: semiconductor devices that are manufactured on one of the two glass panels that make up an LCD display. Now a Corvallis-based startup, Amorphyx, has developed an alternative to the transistor, which acts as a dimmer switch controlling the amount of light coming through the display screen.
BBC: Facebook will delete viral videos of people being decapitated after charities warned that viewing them could cause psychological damage.
Portland business collaboration software startup Glider raised $1 million in investment backing.


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Governor Beebe Declares 6 Arkansas Counties Disaster Areas
By Associated Press
Gov. Mike Beebe has declared six counties disaster areas following recent floods and storms in north Arkansas.
Beebe on Friday declared Benton, Boone, Carroll, Madison, Marion and Newton counties state disaster areas due to damage caused by severe storms and flooding over the past week.
The governor's office says teams of federal, state and local officials will begin formal assessment work on Monday.
They will determine whether Arkansas may qualify for federal disaster assistance when those assessments are complete.


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Write sentences as single variable equations.
Write sentences as single variable equations.
Practice Sentences as Single Variable Equations questions
Learn new vocabulary words and help remember them by coming up with your own sentences with the new words using a Stop and Jot table.
Develop understanding of concepts by studying them in a relational manner. Analyze and refine the concept by summarizing the main idea, creating visual aids, and generating questions and comments using a Four Square Concept Matrix.
Translate words into mathematical symbols and word problems into equations.


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Common English Bible (CEB) | New International Version (NIV) |
16 when they try to stop us from speaking to the Gentiles so they can be saved. Their sins are constantly pushing the limit. God's wrath has caught up with them in the end. | 16 in their effort to keep us from speaking to the Gentiles so that they may be saved. In this way they always heap up their sins to the limit. The wrath of God has come upon them at last. |
Copyright © 2011 Common English Bible (Common English Bible) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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PLATTSBURGH - It's almost time for strawberries.
The congregation of Plattsburgh United Methodist Church is getting ready for their annual Strawberry Festival which celebrates its 30th year next Thursday, June 30. And, it's an event people like festival chair Margaret Tallman are getting excited about.
"It's a big event," said Tallman. "It takes a lot of willing volunteers - about 50 to 70 people - and we actually start planning for it in February. It's a lot of work, but it's worth it."
Each year, the festival follows its tradition of serving up strawberries - whether it be on strawberry shortcakes, in strawberry sundaes or just plain by themselves - and they do it in huge amounts.
"We get our strawberries from Rulf's Orchard and we used to get 200 pounds. Nowadays, we've been getting about 300 to 400 pounds," said Tallman. "And, we sell about 200 quarts that are freshly-picked and delivered by Rulf's so people can purchase them at the church."
"It's a lot of strawberries," she added, laughing.
Even though the festival's name focuses on strawberries, there's much more served up at the event, said Tallman. Festival-goers can also choose to enjoy a "picnic fare" meal of michigans, barbecue meatballs, baked beans and other homemade selections.
"And, most people do come for the complete meal," said Tallman.
The Strawberry Festival is an event that has grown in popularity year after year, said Tallman, who has been a part of its planning for the past 27 years. The event was established as a way for the church's finance committee to help fund church mission projects and it was an idea that proved to be rather fruitful.
"It's actually been held more than 30 years, but this is the 30th consecutive year," said Tallman. "When the church was on Oak Street, it was held on the church lawn until the church burned in a fire in 1956."
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This just occurred overnight but on one of my bines, the tips of the laterals are drying and shriveling up. Just the laterals and so far just one bine. No damage that I can see (we have had some high winds but I can't see anything that indicates damage to the tips) Any thoughts? This is happening on one of my cascades.
if the rest of the plant looks healthy it may have been just damage from the wind. the wind damage would most likely leave a 'ratty' or tattered appearance to the tips.
I couldn't see anything that would indicate damage from the wind - but you may be right. Also, on that bine, it only happened to about 4 lower skinnier laterals ...there are plenty more laterals with no damage.
I have had that happen on lower lateral bines. In fact, I have had most of the lower leaves dry up and fall off. As far as I can tell, none of the upper ones have had that problem.
"Carpe Diem"


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The Message (MSG) | New International Version (NIV) |
11 "'This is what God, the Master, says: Clap your hands, stamp your feet, yell out, "No, no, no!" because of all the evil obscenities rife in Israel. They're going to be killed, dying of hunger, dying of disease - | 11 " 'This is what the Sovereign LORD says: Strike your hands together and stamp your feet and cry out "Alas!" because of all the wicked and detestable practices of the house of Israel, for they will fall by the sword, famine and plague. |
Published by permission. Originally published by NavPress in English as THE MESSAGE: The Bible in Contemporary Language copyright 2002 by Eugene Peterson. All rights reserved. (The Message Bible Online) | Scripture quoted by permission. Quotations designated (NIV) are from THE HOLY BIBLE: NEW INTERNATIONAL VERSION®. NIV®. Copyright © 1973, 1978, 1984 by Biblica. All rights reserved worldwide. (New International Version Bible Online) |


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Mac Mail Exchange
From ITwiki
Note: This article is intended for faculty and staff who have been migrated over to the Microsoft Exchange Server. All other Stevens Users should reference the documentation on IMAP and POP3.
Mac Mail is the Mail application bundled with most installations of OSX. It is one of the most used mail clients amongst Mac Users. The following steps will guide you through configuring the Stevens Microsoft Exchange Server with Mac Mail.
Contents |
Account Set-up Instructions
Step 1: Open the Mac Mail client in OSX
This can be done by either clicking on the application's icon in your dock (if present) or navigating to your Applications Folder and double-clicking on the Mac Mail application.
Step 2: Open the Mail Setup Window
Towards the top of your screen, select the File dropdown menu, and click on the Add Account... option.
Step 3: Add an Exchange Account
Enter the following information into the three fields in the Add Account Window.
- Full Name: Enter your Stevens user name here.
- Email Address: Enter your Stevens email address in the form firstname.lastname@example.com here.
- Password: Enter your Stevens password here.
Click the Continue button in the lower right section of the Add Account window when finished.
Step 4: Enter your Stevens Account information
Enter the appropriate information into the following fields.
- Account Type: Chose Exchange from the dropdown.
- Description: Enter a description of your choosing for this account.
- Incoming Mail Server: Enter exchange.stevens.edu in this field.
- User Name: Enter your Stevens user name in this field.
- Password: Enter your current Stevens password.
- Make sure a check is entered into the boxes next to both Contacts and Calendars. This will allow the Mac OS iCal calendar application to populate your calendar with Exchange information. The time required for the calendars to completely sync could be quite lengthy.
When finished click the continue button at the bottom right of the window.
Step 5: Verify your information
Ensure that the information listed under the Account Summary header is correct. If the information is correct, click the Continue button in the lower right hand section of the window.
Removing Previous non-Exchange Email Account
Step 1: Open the Internet Accounts window
- Open the Mac Mail Application by either clicking on the icon located on your dock or double-clicking on the icon located in your Applications Folder.
- With Mac Mail focused, click on the Mail dropdown towards the top of the screen and then click on the Preferences... option. This will open the Internet Accounts window.
Step 2: Remove the previous Email Account
- Highlight the previous account by clicking on it near the left section of the Internet Accounts window and then click the minus (-) sign in the bottom left corner of the Internet Accounts window.
Your previous non-Exchange email account has now been removed from Mac Mail.
- Click the Remove button when the security prompt pops up asking for confirmation of the account removal.


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Protestors Converge On Presidential Palace as General Strike is Called
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supporter of Egyptian President Mohammed Morsi holds a bandage to his... News Photo 157667142Arab Spring,Bandage,Cairo,Conflict,Egypt,Government,Head,Hold,Horizontal,Middle East,Mohamed Morsi,Politics,Presidential Palace,Protestor,Supporter,anti-MorsiPhotographer Ed GilesCollection: Getty Images News 2012 Ed GilesCAIRO, EGYPT - DECEMBER 5: A supporter of Egyptian President Mohammed Morsi holds a bandage to his head after being injured in clashes with anti-Morsi protesters near Egypt's Presidential Palace on December 5, 2012 in Cairo, Egypt. Reports indicate at least two people were killed in the Cairo suburb of Heliopolis after thousands of protesters from groups both supporting and against President Morsi converged on the Presidential Palace on the evening of December 5, after large anti-government demonstrations in front of the palace on December 4. Anti-Morsi protesters continue to demonstrate across Egypt against the country's draft constitution, rushed through parliament in an overnight session on November 29. The country's new draft constitution, passed by a constitutional assembly dominated by Islamists, will go to a referendum on December 15. (Photo by Ed Giles/Getty Images).


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Wheatstone bridge
Wheat·stone bridge
noun \ˈhwēt-ˌstōn-, ˈwēt-, chiefly British -stən-\Definition of WHEATSTONE BRIDGE
: an electrical bridge consisting of two branches of a parallel circuit joined by a galvanometer and used for determining the value of an unknown resistance in one of the branches
Origin of WHEATSTONE BRIDGE
Sir Charles Wheatstone
First Known Use: 1872
Wheat·stone bridge
noun \ˌhwēt-ˌstōn-, ˌwēt-, chiefly British -stən-\ (Medical Dictionary)Medical Definition of WHEATSTONE BRIDGE
: a bridge for measuring electrical resistances that consists of a conductor joining two branches of a circuit
Biographical Note for WHEATSTONE BRIDGE
Wheatstone, Sir Charles (1802–1875), British physicist. Wheatstone was professor of experimental philosophy at King's College, London. He is remembered for his researches in electricity, sound, and light. In 1834 he devised a revolving mirror for an experiment to measure the speed of electricity in a conductor. In 1843 he constructed the Wheatstone bridge and began to popularize its use. He initiated the use of electromagnets in electric generators, and in 1837 he and Sir William Fothergill Cooke patented an early telegraph.
Learn More About WHEATSTONE BRIDGE
Next Word in the Dictionary: Wheatstone cipher
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Gear Review
Super Warm!
Just bought this in time for a very cold spell here in Portland, OR (like 20 degree days - yeah not too cold by some standards but for here it is!). Love it! Really warm and comfy. I really like how it zips up to cover your neck and chin if necessary. Great buy!
View More Details on Volcom Range Quilted Fleece Jacket - Women's


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Share now, pay later
Many people take pills prescribed for others; they save money but risk their health.Family physician Mary Frank couldn't understand why one elderly patient with high-blood pressure wasn't responding to his medication. She had been steadily increasing his dose, but his blood …
Before posting, please read our blog moderation guidelines. The comments below begin with the oldest comments first. Click on the last comments page to jump to the most recent comments.
you reak what you sow! if they dig lightly and i mean lightly theyll probably find that same physician prescribed his fav-RITE drug also with the physician name on the bottle. that alone should give the judge all the reason to prosecute. WBR LeoP
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Reviewed Vegetable Frittata
Dec 4, 2011 in Food Network Community Toolbox on FoodNetwork.com
"This recipe was very tasty and came out perfect! I would suggest cooking the vegetables longer than 6 mins however, (around 20 on medium heat) and add the broccoli and cauliflower with the rest of the veggies. Also, I added tomato and cheese for a variety of flavors! """


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CHARLESTON, S.C. - Two of South Carolina's incumbent congressmen face challenges in next month's party primaries. But considering the money Republican Joe Wilson and Democrat Jim Clyburn have in the bank - and how little their opponents have - neither seems to be in danger.
Candidates are only required to file spending reports with the Federal Election Commission if they have raised or spent at least $5,000. And only one candidate in addition to the incumbents has filed.
A look at the congressional nominations voters will decide in the June 10th primaries:
2nd District Republican Primary
- Wilson, who has almost $270,000 in the bank and was first elected in 2001, faces Eddie McCain, who has previously run against Wilson as a libertarian. McCain, from Batesburg-Leesville, is retired after serving 20 years in the Army as a noncommissioned officer. The predominantly Republican 2nd District reaches from Columbia southwest to the Savannah River in the Aiken area.
2nd District Democratic Primary
- The race for the Democratic nomination pits Ed Greenleaf against Phil Black. Greenleaf, of Columbia, retired last year after a 27-year career with BlueCross BlueShield of South Carolina. Black is from the Lake Murray area of Lexington County and is retired from the federal Small Business Administration. Filings with the Federal Election Commission show that Greenleaf has $4,500 in the bank for the campaign.
3rd District Democratic Primary
- Two Democrats are vying for the party nomination to face incumbent Republican U.S. Rep. Jeff Duncan in the 3rd District along the Savannah River in the northwestern corner of the state. Barbara Jo Mullis is a retired teacher from Townville. She faces Hosea Cleveland, who owns an insurance agency in Seneca.
6th District Democratic Primary
- Clyburn, the first black elected to Congress from South Carolina since Reconstruction and the dean of the state's congressional delegation, is seeking a 12th term in the state's black majority district. Clyburn has a campaign war chest of almost $1.3 million according to the latest filings with the Federal Election Commission. He faces a primary challenge from Karen Smith, a housewife from the hamlet of Dorchester. She describes herself as a tea party supporter and has voted in Republican primaries in recent years. The district stretches along the Interstate 95 corridor through the eastern part of the state and into Charleston and Columbia.
- 6th District Republican Primary
Republicans Leon Winn and Anthony Culler are vying for the GOP nomination to oppose Clyburn in the fall. Winn, a black Republican, has worked as a machinist, owned several beauty salons and is the pastor of Rock Hill Baptist Church in Manning. Culler is a banker from Kingstree.
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The Holiday Gift Guide: 18 Great Books for Movie Lovers
Features By Kate Erbland on December 13, 2011 | Comments (3)It may shock you to realize that you, dear reader, are a reader. You are reading this right now! Bizarre, right? And, if you can read things on the Internet, you can certainly read things that come in the traditionally accepted reading format, better known as a "book." And if you can do it, surely the people in your life that you love enough to buy holiday presents for can do it, too! Enter The Holiday Gift Guide, and more specifically, enter this particular contribution: 18 Books for Movie Lovers. So shiny and wrap-able! So easily order-able and ship-able! So key to preventing widespread illiteracy! After the break, check out seventeen (but really eighteen) books for the movie lover in your life for holiday season gift-giving. Unlike some of those other guides, not all of these books hit shelves in the past eleven months, as I stretched beyond just this calendar year to come up with some unexpected literary picks to make your gift-giving that much more original. Did I make an egregious omission? Of course I did. Put your obvious suggestions in the comments. And, hey, if you gift one of these books and it's a big hit, let us know which one it was. It's always nice to hear praise. Happy Chrismakwanzakuh, you guys.
Reject Radio: Episode 35 – Just Our Handsomeness
Movie News By Scott Beggs on February 8, 2010 | Be the First To CommentThis week, on a very special episode of Reject Radio, Derrick Comedy member, author, and screenwriter D.C. Pierson answers the tough questions. Why would Jennifer Love Hewitt insure her breasts through Allstate?
Neil Miller
Scott Beggs
Rob Hunter
Kate Erbland
Christopher Campbell