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The Belbin Team Inventory is a personality test, also called the Belbin Self-Perception Inventory, Belbin Team Role Inventory, SPI or BTRSPI. It was devised by Meredith Belbin to measure preference for nine Team Roles; he had identified those whilst studying numerous teams at Henley Management College.
The Inventory assesses how an individual behaves in a team environment. The assessment includes 360-degree feedback from observers as well as the individual's own evaluation of their behaviour, and contrasts how they see their behaviour with how their colleagues do.
Belbin himself asserts that the team roles are not equivalent to personality types, and that unlike the Myers-Briggs Type Indicator, which is a psychometric instrument used to sort people into one of 16 personality types, the Belbin Inventory scores people on how strongly they express behavioural traits from nine different team roles. A person may and often does exhibit strong tendencies towards multiple roles.
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Belbin first began studying teams at Henley Management College in the 1970s. Over a period of ten years, he carried out extended observational research to determine which factors influenced team failure or success. A management game was designed to reproduce work life. It contained all the principal variables that typify the problems of decision-making in a business environment. The experiment was designed along scientific lines with careful measurement at each stage.
Those participating were invited to take a battery of psychometric tests and teams were assembled on the basis of test scores. At first, Belbin hypothesised that high-intellect teams would succeed where lower intellect teams would not. However, the outcome of this research was that certain teams, predicted to be excellent based on intellect, failed to fulfil their potential. In fact, it became apparent by looking at the various combinations that it was not intellect, but balance, which enabled a team to succeed. The most successful companies tended to be those with a mix of different people, i.e. those with a range of different behaviours. In fact, nine distinct clusters of behaviour turned out to be distinctive and useful, with the balance required dependent on the purpose and objectives of the team.
The Belbin Team Inventory first appeared in Belbin's book Management Teams: Why They Succeed or Fail (1981).[1] The inventory is protected by Belbin's copyright and cannot be reproduced in any form. Additionally, it is not normed, lacks the Specialist role and the benefit of feedback from colleagues and does not offer team role feedback. Much early research is based upon this now obsolete version of the inventory.
Belbin now administers the refined Belbin Team Inventory via e-interplace, a computerised system which scores and norms the data to produce feedback reports for individuals, teams, groups and jobs. Meredith Belbin argues that the optimum size for a team is 4 people. Beyond this number, individuals do not work closely enough together to constitute a team and are defined as a group.
Data from the Belbin Team Inventory can also be amalgamated and interpreted to assess how effectively a team is likely to work together, including selecting the best candidate to fulfil each role, and identifying gaps and overlaps in the Team Role distribution which might have an impact on a team's success. The Belbin Team Inventory can also be used in conjunction with the Belbin Job Requirements Inventory to assess a candidate's behavioural performance in a particular job.
This section needs additional citations for verification. (February 2012) |
Plants are creative, unorthodox and generators of ideas. If an innovative solution to a problem is needed, a Plant is a good person to ask. A good Plant will be bright and free-thinking. Plants can tend to ignore incidentals and refrain from getting bogged down in detail. The Plant bears a strong resemblance to the popular caricature of the absent-minded professor/inventor, and often has a hard time communicating ideas to others. Multiple Plants in a team can lead to misunderstandings, as many ideas are generated without sufficient discernment or the impetus to follow the ideas through to action.
The Resource Investigator gives a team a rush of enthusiasm at the start of the project by vigorously pursuing contacts and opportunities. He or she is focused outside the team, and has a finger firmly on the pulse of the outside world. Where a Plant creates new ideas, a Resource Investigator will quite happily appropriate them from other companies or people. A good Resource Investigator is a maker of possibilities and an excellent networker, but has a tendency to lose momentum towards the end of a project and to forget small details.
A co-ordinator is a likely candidate for the chairperson of a team, since they have a talent for stepping back to see the big picture. Co-ordinators are confident, stable and mature and because they recognise abilities in others, they are very good at delegating tasks to the right person for the job. The co-ordinator clarifies decisions, helping everyone else focus on their tasks. Co-ordinators are sometimes perceived to be manipulative and will tend to delegate all work, leaving nothing but the delegating for them to do.
The Shaper is a task-focused individual who pursues objectives with vigour and who is driven by tremendous energy and the need to achieve - for the Shaper, winning is the name of the game. The Shaper provides the necessary drive to ensure that the team kept moving and did not lose focus or momentum.[2]
Shapers are people who challenge the team to improve. They are dynamic and usually extroverted people who enjoy stimulating others, questioning norms, and finding the best approaches for solving problems. The Shaper is the one who shakes things up to make sure that all possibilities are considered and that the team does not become complacent.[3] Shapers could risk becoming aggressive and bad-humoured in their attempts to get things done.[2] Shapers often see obstacles as exciting challenges and they tend to have the courage to push on when others feel like quitting.
Monitor Evaluators are fair and logical observers and judges of what is going on in the team. Since they are good at detaching themselves from bias, they are often the ones to see all available options with the greatest clarity and impartiality. They take a broad view when problem-solving, and by moving slowly and analytically, will almost always come to the right decision. However, they can become very critical, damping enthusiasm for anything without logical grounds, and they have a hard time inspiring themselves or others to be passionate about their work.
A Teamworker is the oil between the cogs that keeps the machine that is the team running smoothly. They are good listeners and diplomats, talented at smoothing over conflicts and helping parties understand one other without becoming confrontational. Since the role can be a low-profile one, the beneficial effect of a Teamworker can go unnoticed and unappreciated until they are absent, when the team begins to argue, and small but important things cease to happen. Because of an unwillingness to take sides, a Teamworker may not be able to take decisive action when it is needed.
The Implementer takes their colleagues' suggestions and ideas and turns them into positive action. They are efficient and self-disciplined, and can always be relied on to deliver on time. They are motivated by their loyalty to the team or company, which means that they will often take on jobs everyone else avoids or dislikes. However, they may be seen as closed-minded and inflexible since they will often have difficulty deviating from their own well-thought-out plans, especially if such a deviation compromises efficiency or threatens well-established practices.
The Completer Finisher is a perfectionist and will often go the extra mile to make sure everything is "just right," and the things he or she delivers can be trusted to have been double-checked and then checked again. The Completer Finisher has a strong inward sense of the need for accuracy, and sets his or her own high standards rather than working on the encouragement of others. They may frustrate their teammates by worrying excessively about minor details and by refusing to delegate tasks that they do not trust anyone else to perform.
Specialists are passionate about learning in their own particular field. As a result, they are likely to be a fountain of knowledge and will enjoy imparting this knowledge to others. They also strive to improve and build upon their expertise. If there is anything they do not know the answer to, they will happily go and find out. Specialists bring a high level of concentration, ability, and skill in their discipline to the team, but can only contribute on that specialism and will tend to be uninterested in anything which lies outside its narrow confines.
The Belbin Team Inventory was revised to include the Specialist role, since the role was not revealed in the original research because no specialised knowledge was required for the simulation exercise.
Following the introduction of Belbin's approach to Team Role analysis in 1981,[1] an independent study of the psychometric properties of the instruments was published in 1993 in the Journal of Occupational and Organizational Psychology.[4] Belbin took to task the authors, Furnham, Steele, & Pendleton[5] and the Journal provided Furnham space to reply.[6] Belbin argued that the instruments were not intended for scholarly inquiry, but to inform management consulting practices. Additionally, Belbin maintains that the Belbin Team Inventory is not a psychometric instrument and hence applying tests for psychometric properties are irrelevant.
There have been several other scholarly studies of the validity and reliability of Belbin's approach over the nearly 15 years since the Furnham-Belbin exchange, most of which have used the inventory in its original form. Fisher, Hunter, & MacRosson (2001, June) [7] argue that Furnham's approach (also discussed in Fisher, Macrosson, & Sharp (1996)[8]) has fundamental problems in the definitions of several of the 8 roles (see also Broucek & Randall (1996, December)[9] for a more detailed treatment of this problem). Both the Fisher, et al. (2001) and the earlier Broucek & Randall (1996) find that observational and factor analytical approaches yield 5 rather than 8 role constructs. Fisher, et al. go on to argue that this coherence of the 5 traits of teams is backed up by earlier research by Barrick & Mount (1991).[10]
The original research into the Belbin Team Roles was conducted with the old, copyright, 8-role version that was intended for an individual's own interest rather than for use as a tool. More recent studies using normed data from Belbin's e-interplace system, such as that by Aritzeta, A., Swailes, S. and Senior, B.(2004)[11] have found higher correlations and reliability, as well as distinct analytical constructs using the online, normed, 9-role tool with observers added to give 360-degree feedback (enhancing construct validity by providing "real-world" data).[12] Swailes and McIntyre-Bhatty also argued (2000 & 2001) that traditional attempts to measure reliability have been misapplied when it comes to the Belbin Team Role Inventory because it is neither ipsative nor non-ipsative, and an equation that took this anomaly into account gave higher estimates of reliability and validity.[13]
A competitor to the Belbin system, developed independently in Australia by Charles Margerison and Dick McCann, is the Margerison-McCann Team Management System.[14] This can be shown as a similar wheel with rather similar roles, whose titles however are different.[15] The company states: "Independent British Psychological Society reviews available on each Profile"[16]
The Star Roles Model is used by organisations to describe the positions managers and mentors adopt when guiding direct-reports and mentees. The concept builds on the Group Roles model developed by Benne & Sheats in 1948,[17][18] taking a short-cut route to describing preferences when guiding others. Similarly, the Roles Model follows the Mintzberg 10 management positions[19] - drawing in the most relevant elements when considering the mentoring relationship in detail.


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Sbarro Inc., along with its domestic subsidiaries, has announced that the U.S. Bankruptcy Court for the Southern District of New York has approved its plan of reorganization, clearing the way for Sbarro to emerge from Chapter 11 on Nov. 28, 2011.
"Today's ruling marks an important milestone in our efforts to emerge from the bankruptcy process as a stronger business that will be better positioned to serve our customers," said Nicholas McGrane, interim president and CEO of Sbarro Inc.
McGrane added that when the company emerges from bankruptcy, its debts will have been reduced by about 70 percent and Sbarro Inc. will have access to $35 million in capital provided by its new ownership group.
Sbarro began its preparation for Chapter 11 in April. By mid-May, it had ended the bankruptcy process and was seeking buyers.
In August, Sbarro outlined its restructuring plan that would give ownership of the company to its senior lenders. The plan of reorganization was filed with the U.S. Bankruptcy Court for the Southern District of N.Y. in October.
"The support and commitment of our investors has helped us move through the restructuring process relatively quickly, and thanks to the continued efforts of our employees, our business is performing solidly as we head into our busiest period of the year," McGrane said.
Read more about operations management.
Topics: Business Strategy and Profitability , Financial Management , Operations Management

subset: commoncrawl


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N Korea warns war drills take region to 'brink of war'
North Korea has warned that impending joint military exercises by the South and the US are pushing the region to "the brink of war".
A group of naval ships, led by a nuclear-powered US aircraft carrier, is heading to the Yellow Sea to take part in the drills, due to begin on Sunday.
At least four South Koreans died on Tuesday when the North shelled the Southern island of Yeonpyeong.
The incident has led to the South replacing its defence minister.
Kim Kwan-jin, 61, a former chairman of the joint chiefs of staff, has been named to replace Kim Tae-young, who resigned after criticism that he was too slow to respond to the attack on Yeonpyeong.
The barrage of shells was one of the worst incidents between the two Koreas since the end of the Korean war in 1953, which concluded without a peace treaty.
"The situation on the Korean Peninsula is inching closer to the brink of war due to the reckless plan of those trigger-happy elements to stage again war exercises targeted against the [North]," the North's official KCNA news agency said.
'Outrageous act'Fresh artillery-like sounds were heard on North Korean territory close to Yeonpyeong on Friday.
The BBC's Chris Hogg, in Seoul, says military sources reported that it could have been a military exercise by the North.
However, he says many on the island suspect it may be an attempt to manipulate a tense situation. Residents were ordered to take cover in shelters.
The US commander in South Korea, Gen Walter Sharp, was inspecting the damage on Yeonpyeong on Friday but US officials said he did not hear the latest blasts.
Gen Sharp said Tuesday's attack was a clear violation of the 1953 armistice.
"We at United Nations Command will investigate this completely and call on North Korea to stop any future attacks," he said.
Meanwhile, Japan's parliament on Friday adopted a resolution calling the attack "an outrageous act of violence".
The resolution said Japan "should consider new sanctions and make more efforts to strengthen ties with countries concerned in order to step up international pressure on North Korea".
Tougher stancePyongyang blames Seoul, which was holding military exercises close to Yeonpyeong at the time, for this week's incident.
North Korea has warned it will "wage second and even third rounds of attacks without any hesitation if warmongers in South Korea make reckless military provocations again".
Though organised well ahead of this week's attack, the upcoming four-day US-South Korea naval manoeuvres are a show of defensive strength which, as well as angering North Korea, have also unsettled China, its major ally.
North Korea: Timeline 2010
26 March: South Korean warship, Cheonan, sinks, killing 46 sailors
20 May: Panel says a North Korean torpedo sank the ship; Pyongyang denies involvement
July-September: South Korea and US hold military exercises; US places more sanctions on Pyongyang
29 September: North holds rare party congress seen as part of father-to-son succession move
29 October: Troops from North and South Korea exchange fire across the land border
12 November: North Korea shows US scientist new - undeclared - uranium enrichment facility
23 November: North shells island of Yeonpyeong, killing at least four South Koreans
China on Friday issued a warning against military activity in the area.
Foreign ministry spokesman Hong Lei said: "We hold a consistent and clear-cut stance on the issue. We oppose any party taking any military actions in our exclusive economic zone without permission."
That zone extends 320km (200 miles) from China's coast and includes areas south of Yeonpyeong, although no specifics of the US-South Korea drills have been published.
Beijing has not apportioned blame over Tuesday's attack and has urged both sides to show restraint.
The US has urged China to use its influence over North Korea to calm the situation.
South Korea has already increased troop numbers on Yeonpyeong and has said it is changing its rules of engagement to allow it to respond more forcefully to similar incidents.
The cabinet had decided that under the old rules of engagement there was too much emphasis on preventing a military incident escalating into something worse, says our correspondent.
A presidential spokesman said the South would implement different levels of response in the future, depending on whether the North attacked military or civilian targets.
Earlier, officials said President Lee Myung-bak had accepted Kim Tae-young's resignation "to improve the atmosphere in the military and to handle the series of incidents".
Public affairs spokesman Hong Sang-pyo said Kim Kwan-jin, who served as chairman of the joint chiefs of staff from 2006 to 2008, would act to "restore people's trust in the military and enhance military morale".
This week's tension comes as the North is undergoing an apparent transition of power from leader Kim Jong-il to his young son Kim Jong-un.


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Why WebMD (WBMD) Is Gaining on Friday
NEW YORK (TheStreet) -- WebMD Health Corp (WBMD - Get Report) is moving higher over Friday's session after upping its buyback authorization by $40 million.
By midafternoon, shares had added 4.3% to $43.27.
In a filing with the SEC, the online health service said by the close of business March 20, around $51 million was available under the repurchase program, including the additional $40 million.
"Under the Repurchase Program, WebMD may repurchase shares from time to time in the open market, through block trades or in private transactions, depending on market conditions and other factors," the company said in the filing.
During the first quarter ending March, the company has repurchased around 1.4 million of common stock for an aggregate purchase price of approximately $58.7 million. As of Thursday, New York-based WebMD had around 39.7 million shares outstanding. Must Read: Warren Buffett's 10 Favorite Stocks STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12 months. Learn more. TheStreet Ratings team rates WEBMD HEALTH CORP as a Hold with a ratings score of C. The team has this to say about their recommendation: "We rate WEBMD HEALTH CORP (WBMD) a HOLD. The primary factors that have impacted our rating are mixed -- some indicating strength, some showing weaknesses, with little evidence to justify the expectation of either a positive or negative performance for this stock relative to most other stocks. The company's strengths can be seen in multiple areas, such as its impressive record of earnings per share growth, compelling growth in net income and revenue growth. However, as a counter to these strengths, we find that the growth in the company's earnings per share has not been good." Highlights from the analysis by TheStreet Ratings Team goes as follows:- WEBMD HEALTH CORP reported significant earnings per share improvement in the most recent quarter compared to the same quarter a year ago. The company has demonstrated a pattern of positive earnings per share growth over the past year. We feel that this trend should continue. This trend suggests that the performance of the business is improving. During the past fiscal year, WEBMD HEALTH CORP turned its bottom line around by earning $0.31 versus -$0.44 in the prior year. This year, the market expects an improvement in earnings ($0.72 versus $0.31).
- The net income growth from the same quarter one year ago has significantly exceeded that of the S&P 500 and the Internet Software & Services industry. The net income increased by 264.3% when compared to the same quarter one year prior, rising from -$6.09 million to $10.00 million.
- Despite its growing revenue, the company underperformed as compared with the industry average of 16.4%. Since the same quarter one year prior, revenues slightly increased by 9.6%. Growth in the company's revenue appears to have helped boost the earnings per share.
- Powered by its strong earnings growth of 291.66% and other important driving factors, this stock has surged by 74.02% over the past year, outperforming the rise in the S&P 500 Index during the same period. Looking ahead, however, we cannot assume that the stock's past performance is going to drive future results. Quite to the contrary, its sharp appreciation over the last year is one of the factors that should prompt investors to seek better opportunities elsewhere.
- You can view the full analysis from the report here: WBMD Ratings Report
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Pickled Red Onions
Recipe for pickled onions – the perfect topping for hamburgers, salads, tacos, eggs and more!
Recipe for pickled onions – the perfect topping for hamburgers, salads, tacos, eggs and more!
A healthy Mediterranean twist on seven layer dip with hummus, Greek yogurt, Greek olives, feta cheese and more. Serve with pita chips or crudités
Learn tips and tricks for making perfect latkes every time that are crispy outside, fluffy inside. Includes links to several tested latke recipes
Lower calorie, lower cholesterol egg salad recipe. Fresh dill for flavor and dill pickles for a salty crunch. Kosher, Pareve, Gluten Free.
Tori Avey and Manischewitz pair up to bring you Curry Latkes made from vegetables- no potato shreds. Crispy and tasty, a healthier latke.
Exotic curry-flavored cauliflower pickle recipe with a healthy dose of turmeric spice. Includes instructions for canning or refrigerator pickles
Easy recipe for fresh fig preserves with orange juice and the tasty addition of fall spices – cinnamon, ginger, allspice and cloves.
Smoky roasted eggplant with creamy sesame tahini, lemon, garlic & fresh basil top grilled sourdough slices to make a healthy, delicious crostini
Recipe for salty, crunchy kosher dill pickles in a simple salt and vinegar brine. Easy fast method for great pickles with homemade pickling spice
Vegetarian summer recipe for crispy corn cakes topped with sour cream and fresh heirloom tomato relish. Vegetarian alternative to schnitzel.
Recipe and step-by-step photo tutorial for Jewish Fried Artichokes. Includes steps for cleaning and prepping artichokes.
Learn how to clean and trim whole artichokes for steaming, how to reach the steamed artichoke heart, and how to eat steamed artichokes.
Give your artichokes a smoky flavor by finishing them on the grill. Learn how to clean, prep, steam, grill and sauce for tender, smoky results.
Hummus made with roasted red bell peppers, tahini and spices. This hummus is creamy, smoky, slightly sweet and spicy, garlicky goodness!
Simple no-cook chilled soup with Greek yogurt, cucumbers and fresh dill. Perfect for spring and summer, cool and refreshing. Kosher, Dairy.
Learn to make creamy Avocado Cilantro Hummus from Gaby Dalkin's new cookbook "Absolutely Avocados." Great alternative to guacamole.
Learn to make delicious Spicy Panko Chickpea Patties with this simple falafel-like recipe. Crispy, crunchy vegetarian snack. Kosher, Pareve.
Italian-inspired eggplant dish. Eggplant with provolone and sun dried tomatoes, coated and baked crispy golden. Low carb and gluten free options.
A Kosher for Passover dairy spinach artichoke dip topped with browned, melted cheese. A simple appetizer to serve to guests during the holiday.
An interview with Richard Simmons and his healthy, creative recipe for Beet Bowl Salad. Easy vegan modification.


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Favorite films
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Resolution 2012
RESOLUTION is the best modern horror film I've seen since LOVELY MOLLY. The acting was solid, the direction was excellent, the atmosphere is oppressive and the twists are unexpected (I should say I went in blind, just reading the synopsis on NetFlix). This went in directions I never could have guessed, and to be surprised by ANYTHING in a horror film these days is rare indeed. If you're looking for gore and excess, this isn't your movie, but if you're in the mood for something slow-burn that subtly builds in its creepiness, this may very well be the perfect choice. Definitely recommended.
Popular reviews
Troll Hunter 2010
Wow, what a blast this film was. It turned out to be a lot different than what I expected, but that ended up being for the better. Much more of a tongue-in-cheek comedy than horror or fantasy, I laughed out loud at some of the stuff in this film more than I have most straight-up comedies that I've seen lately. How can you not appreciate a film, made in Norway, where a guy just happens to have a bucket of…
Cyborg 1989
I have a total soft-spot for this one. I grew up loving it, and not having seen it in a good decade or more, I was worried that my nostalgia would be ruined, but it really wasn't. This is one of those films that feels like watching a live-action sci-fi anime from the late 80s/early 90s. Everything from the costumes, storyline, bizarre characters (mostly named after guitar brands), and even the score, throws off a heavy anime-inspired vibe. Van Damme…


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Non-Stick SurfaceSubmitted by GuestX (not verified) on Tue, 10/23/2012 - 5:03pm.
Your an idiot!First all if you read the article they werent talking about people jaywalking,they were talking about drivers not giving people the right of way that are triing to cross the road.Its plain to see your one of the ones that are never satisfied no matter what the police are doing to make things better.You would probly feel more at home on craiglist in the rant and rave section,alot of your type hang there. »
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Tag Archive: Alok Kumar
Investors Who "Gamble" in the Stock Market Have Same Characteristics as Lottery Players, Study Shows
The socioeconomic characteristics of people who play state lotteries are similar to investors who pick stocks with a lottery quality—high risk with a small potential for high return, and just like the lottery, returns on average are lower for those who invest this way in the stock market, research from The University of Texas at… » Continue Reading
Personality, age and background influence your investment decisions more than you might think, finance prof says
Anatomy of an Investor: Theories on how to play the stock market abound. Buy low, buy companies whose leadership you admire, invest in organizations that reflect your personal values. And don't count out the ever-popular strategy of throwing darts at the newspaper's financial pages. Every investor hopes he or she has figured out how to beat the system and turn a huge profit.


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What does ELLLO stand for?
What does ELLLO mean? This page is about the various possible meanings of the acronym, abbreviation, shorthand or slang term: ELLLO.
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Banks hit bond market for $125b
PUBLISHED: 31 Jul 2014 05:34:00 | UPDATED: 31 Jul 2014 20:25:45PUBLISHED: 31 Jul 2014 PRINT EDITION: 31 Jul 2014The low cost of funds is allowing banks to compete for a share of the mortgage market by lowering rates to customers. Illustration: Michael Mucci
Clancy Yeates and Jonathan Shapiro
Australia's big banks raised $125 billion from wholesale markets last financial year, the highest level of borrowing in several years, as lenders move to lock in cheap funding to fight for a bigger slice of the booming mortgage market.
In a trend fuelled by low interest rates around the globe, banks are exploiting cheaper finance by increasing their use of wholesale funding markets.
The big four have raised $125 billion in wholesale money in the 12 months to June 30, according to Bloomberg data.
That compares with $107 billion in the 2013 calendar year, and is also higher than the $118 billion raising in 2012, when the big banks flooded into the debt markets after being granted permission to issue covered bonds.
But it's not just the big banks that are taking advantage of favourable conditions in the debt markets. Last week, regional lender ME Bank raised $1.45 billion in a sale of residential mortgage-backed bonds at a margin of 0.75 percentage points over the bank rate, the lowest cost of funds for a mortgage securitisation since the financial crisis.
Record year of insurance
Australian lenders have raised about $15 billion through RMBS so far in 2014, compared to $13.5 billion at this stage in 2013, setting the securitisation markets up for a record year of issuance.
The falling cost of wholesale funding for the big banks has alleviated pressure on other sources of funding, such as deposits, and is allowing banks to compete more aggressively on price by offering deep discounts to new customers.
Global rating agency Standard & Poor's said in a report released this week the banks were benefiting from "cheaper funding conditions as a result of the unprecedented levels of accommodative monetary policy, both locally and abroad".
The low cost of funds is allowing them to compete for a share of the mortgage market by lowering rates to customers, the agency said.
"Interest rates being at low levels by historical standards in addition to offshore wholesale funding costs coming down in recent years does place the banks in the position where they are more able to compete on price," said S&P senior bank analyst Gavin Gunning.
'Good progress'
But rating agencies and analysts played down concerns about this more volatile source of funding, saying banks have made good progress in funding themselves more through deposits.
"The funding risks are of a slightly higher sensitivity for the Australian banking sector, and this has been a long-held view that Standard &Poor's has had," said Gunning.
"However we would say that funding risks are being very well managed within the sector, and the implications from cheaper offshore borrowing costs are manageable in the context of the current strong ratings which we have assigned to the major banks."
Mr Gunning said the Australian banking sector remained reliant on non-deposit sources of funding and that the agency "needed confidence" that the risks would continue to be well managed, if the big four banks were to maintain their high "AA-" credit ratings.
Critical weakness
Australian banks' reliance on wholesale funding emerged as a critical weakness during the global financial crisis, when the government was forced to intervene to guarantee the sector's debts.
The recent growth is not a risk to the financial system, because banks now fund a much greater proportion of their lending through deposits, analysts said.
NAB's Ken Hanton said he did not think the re-emergence of wholesale funding was a problem, saying recent pricing showed there was clearly very strong demand for debt issued by banks.
"Banks are now lending more out than they are taking in deposits, on top of a need to refinance a steady stream of maturing debt," he said.
The banks are also wading back into the wholesale debt markets because of a widening funding gap, as new loans outpace deposits.
Gap between lending and deposits
Data from Nomura analyst Victor German showed that over the last three months, household and business lending has grown by $26 billion more than deposits.
"The gap definitely has started to open up – it's becoming more pronounced," he said. "Deposit growth has slowed at the same time as credit growth has started to pick up."
Mr German said households showed a greater preference to invest in other asset classes such as shares and property.
But he did not think it was a pressing concern, as banks had little choice but to rely on wholesale markets to fill the gap because of the market structure, where banks are the key importers of capital as well as a relatively large portion of savings being diverted away from bank deposits into the superannuation system.
The improvement in funding costs is not just filtering through to the big banks. Smaller lenders are also accessing cheaper funding as investors in the residential mortgage-backed securities market accept markedly lower rates.
RMBS market
The RMBS sale by ME Bank, a lender which has a 1.4 per cent share of the mortgage market, showed that the funding advantage of the major banks had narrowed somewhat.
That could further fuel competition in the mortgage market.
The rate paid by ME bank of 0.75 percentage points over the bank rate on the main AAA-rated notes is a 0.20 percentage point improvement on last October when it paid a 0.95 basis point margin for similar funding.
Earlier this month, Macquarie Bank, which has aggressively ramped up its mortgage lending business, issued $1 billion of RMBS paying a rate of 0.79 percentage points over the bank rate.
The RMBS market is a key non-deposit source of funding for regional lenders, and one of the main sources of financing for non-bank lenders as it allows them to pool loans to create AAA-rated securities.
The attractive conditions in funding markets have prompted the big banks to sell senior unsecured bonds rather than covered bonds, which carry an AAA rating and therefore a lower cost of funds.
Australia's banks raised just $18 billion though the sale of covered bonds In the fiscal year ending in June 2014 – less than half of the $42 billion the banks issued in 2012, when legislation was introduced to allow them to pledge assets as security to covered bond investors. The amount of covered bonds the banks are able to issue is capped at 8 per cent of total assets, prompting the banks to ration the amount of debt they raise through this format.
By contrast the big four banks raised almost $100 billion in senior unsecured financing in the past 12 months.
Two of the big four banks, ANZ Banking Group and Commonwealth Bank recently raised five-year senior unsecured funding in the domestic bond market. ANZ issued $1.75 billion at a margin of 0.82 percentage points over the bank rate, or around 3.935 per cent. Those margins represent the cheapest cost of funds since the global financial crisis.
The Australian Financial Review


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Credit: Alan Vanderkaay
High-strength and ultra-high-strength steel frames enable the Chevrolet Silverado 1500 and GMC Sierra 1500 to deliver up to 24 mpg fuel economy while towing 12,000 lbs. with a 6.2-liter V8 engine or 7,600 lbs. with a 4.3-liter V6. The stronger steels have also helped both models become the first pickups since 2011 to achieve 5-star overall vehicle safety ratings by the National Highway Traffic Safety Administration.
General Motorswww.gm.com
Fleets, Trucks and Accessories
Traffic Control
GIS tool uses "Big Data" to resolve traffic-design challenges.
Public Works staff
Please read our Content Guidelines before posting.


text:
A Portland specialty! Designed for the hundreds of commuters that have given Portland the label, "City of Bikes," this sock adds appropriate flair to the Portland Pant Roll, meant to keep slacks out of chain's way.
59% cotton, 39% polyester, 2% spandex . Made in Korea.
Approximately fits women's shoe 5-10.
No posts found


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School district employees support sneaker exchange
VERO BEACH - Indian River County school district employees raised over $1,200 to help support the Education Foundation of Indian River County's sneaker exchange program.
More than 65 employees who work at the School District County office contributed between 50 cents and $1 each Friday to the "denim day fund." Participating employees earned the opportunity to wear denim by donating to the philanthropic effort to provide children in need a socks and sneakers.
Superintendent of Schools, Dr. Fran Adams, commented, "The really neat thing about this gift is that it was the employees' idea. The money came through them and they wanted to use the dollars that they accumulated to support this cause. So I applaud them for wanting to give this money back to the community."
The Sneaker Exchange Program's mission is to provide sneakers and socks to 2,000-plus children in need in grades K-12. These efforts help to keep students on a path of learning with renewed confidence and self-esteem. The sneakers also allow students to participate safely in all school activities. The average cost to serve a student is $20.
More than 100 volunteers from Holy Cross, local businesses, the Indian River County Chamber of Commerce Young Professionals and other community groups give their time 58 times from September to May to help students at weekly sneaker exchanges. The gift of their time to assist and mentor a child is invaluable. In less than an hour, children share their dreams, their ideas and their hopes for whom and what they want to become.
To learn more about the EF-IRC and the Sneaker Exchange Program, visit: www.edfoundationirc.org , email: email@example.com or call: 772-564-0034. Charitable donations may be made on the EF-IRC website or by mailing a check to: P.O. Box 7046, Vero Beach, FL 32961.
The attached photo shows: (front row) Tiffany McKenzie, Dr. Fran Adams, Camille Batory, and Betty Gage. (back row): Denise Roberts, Terri D'Albora, and Bruce Green.
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text: This is sort of a weird one, if I do a make in the gdk-pixbuf-0.11.0 directory in console mode, it fails with: Gtk-WARNING **: cannot open display: Scan failed make[2]: *** [scan-build.stamp] Error 1 make[2]: Leaving directory `/usr/src/gdk-pixbuf-0.11.0/doc' >From an xterm it's fine. Notice that that's in the *doc* directory, too. Strange. -- Billy O'Connor -- Unsubscribe: send email to listar at linuxfromscratch.org and put 'unsubscribe blfs-dev' in the subject header of the message


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Popular Songs
Songs Featured In
Name | Artist | Popularity | |
Tell Me About It Lyrics | Tanya Tucker |
Latest News
- It Takes Two! These Duos Will Blow You Away At The GRAMMYs
- Check Out This Awesome Lyric Art for My Morning Jacket's New Single
- You're Gonna Really Like Carly Rae Jepsen's New Single!
- Even Taylor Swift Can Get Down With Kanye's "All Day"
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Add Lyrics
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If so - or if you notice any other song that's missing - be the first to submit them!


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Democrats who were saying a lot of ugly things about each other less than a week ago are suddenly hugging it out on a theatrical kumbaya tour.
In case you still doubt the Mouse runs the show in Orlando, check out the lobbying contract the Greater Orlando Aviation Authority awarded Wednesday to a Disney "friend" (wink, wink).
Nan Rich showed. She may have flip-flopped on her Stand Your Ground vote in 2005, but at least we saw her there among the protesters at the Capitol, so we know she's agin' the law now. Charlie Crist, on the other hand ...
Spurred by a neck-and-neck race that has them smelling the governor's office, Democrats had their best two-month fund-raising period ever, making the electoral money race with the Florida Republican Party mirror the contest between Rick Scott and Alex Sink: pretty much tied.


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CVR Partners Provides Update On UAN Expansion Project
SUGAR LAND, Texas, Jan. 9, 2013 /PRNewswire/ -- CVR Partners, LP (NYSE: UAN), a manufacturer of ammonia and urea ammonium nitrate (UAN) solution fertilizer products, today provided an update regarding the UAN expansion project at its Coffeyville, Kan., fertilizer facility that is expected to increase UAN production capacity to more than 3,000 tons per day.
(Logo: http://photos.prnewswire.com/prnh/20080226/CVRLOGO)
All machinery and equipment for the project has been installed and related infrastructure is in place. However, delays in the commissioning and required testing of certain control equipment have deferred the expansion start-up date until early March. In the interim, the existing fertilizer plant continues to produce ammonia and UAN at full rates.
While the delayed start-up is anticipated to impact 2013 full year cash available for distribution by approximately 5 cents per common unit, the company continues to expect a significant double-digit increase in cash available for distribution for the full year of 2013 as compared to 2012. The company reaffirms its expectation for 2012 full year distributable cash flow in the range of $1.70 to $1.80 per common unit. Full financial guidance for 2013 will be provided with the release of the company's 2012 fourth quarter and full year results in the first quarter of 2013. This news release contains forward-looking statements. You can generally identify forward-looking statements by our use of forward-looking terminology such as "anticipate," "believe," "continue," "could," "estimate," "expect," "intend," "may," "might," "plan," "potential," "predict," "seek," "should," or "will," or the negative thereof or other variations thereon or comparable terminology. These forward-looking statements (including statements about future distributions and potential future distributable cash flow) are only predictions and involve known and unknown risks and uncertainties, many of which are beyond our control. For a discussion of risk factors which may affect our results, please see the risk factors and other disclosures included in our Annual Report on Form 10-K for the year ended Dec. 31, 2011, and any subsequently filed quarterly reports on Form 10-Q. These risks may cause our actual results, performance or achievements to differ materially from any future results, performance or achievements expressed or implied by these forward-looking statements. Given these risks and uncertainties, you are cautioned not to place undue reliance on such forward-looking statements. The forward-looking statements included in this press release are made only as of the date hereof. CVR Partners disclaims any intention or obligation to update publicly or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except to the extent required by law.Check Out Our Best Services for Investors
Action Alerts PLUS
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Trifecta Stocks
Every recommendation goes through 3 layers of intense scrutinyquantitative, fundamental and technical analysisto maximize profit potential and minimize risk.
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Options Profits
Our options trading pros provide over 100 monthly option trading ideas and strategies to help you become a well-seasoned trader.
Product Features:
- Actionable options commentary and news
- Real-time trading community


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Early Electronic Television
RCA RR-359 Field Trial Set(click on picture for high resolution image)
1936 RR-359 Field Test Set, with front cover removed A photo of the set in operation. Only two of these sets with 9 inch picture tubes survive. They were used by RCA in the New York City area to test electronic television. Here are the history of this set, the history of RCA's television field trials, technical information, and technical manual. NBC Press Photo | |||||||||||||||||||||


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Attwood® Oil Change Pump
Item # WX2-159335
- Google+
This item cannot ship via any of our Next Day or Second Day express delivery methods.
- Details & Specs
Attwood® Oil Change Pump... empty oil in a snap with this Pump!
Swap new oil for old in a hurry with this easy-to-use Hand Pump from Attwood®!
Clean and quick is the name of the game, and that's exactly what you'll get here... simply insert the pliable tube into the dipstick, start pumping the oil out. Pump and tubes are chemical resistant for long life. Can be disassembled for cleaning or repair.
More high-quality value ONLINE now!
Please Note: Once items have contained gas, kerosene, butane, diesel, or oil they cannot be returned to The Sportsman's Guide.
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Buyer's Club $57.59 Non-Members $63.99


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Cedar Glen, California All but Destroyed by Wildfires
``It's crazy. It looks like World War II,'' said Chris Gomes, 28, who drove through the neighborhood in the San Bernardino Mountains on Thursday.
The erratic wind that stoked the blaze made its path appear capricious, with a child's pedal car unscathed just 30 feet from a charred car. The fire took another home nearby, but left an American flag flapping in the yard of still-green grass.
Los Angeles County fire Capt. Greg Cleveland called the blaze, just east of Lake Arrowhead, the ``most devastating and ... destructive fire I've ever seen.''
Wildfires have raged for more than a week across Southern California, destroying more than 2,600 homes and blackening around 730,000 acres. On Thursday, seven major fires were still burning in four counties.
Crews from The Gas Co. roamed Cedar Glen on Thursday, shutting off severed lines that continued to spew flames. At one home, gas was screaming out of a pipe, forming ``a ball of fire the size of a Volkswagen,'' crew leader Loyal Jennings said.
Nearby, four wooden steps were the only remnants of a house.
The fierce blaze had forced firefighters to retreat late Wednesday.
``The fire conditions were so intense, they could not make a stand in this community,'' Cleveland said.
On Thursday, wind continued to gust through the neighborhood, spinning an ornamental windmill in one yard as trees crashed down nearby. Power lines littered the neighborhood.
``If you hear something snap, run in the other direction,'' San Bernardino City firefighter Dennis Moon said.
John Lucas, 38, worked through the night to save the cluster of houses owned by his family. Working alone, he was able to save four of 11 buildings, using an irrigation system and a network of fire hoses he and relatives started installing in February.
Asked what he would say to neighbors who had not been as fortunate, he replied, ``I have no idea.''


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We've got a room with street views and it was clean, nice, with private bathroom and TV. The breakfast is a nice buffet. The hostel staff are extremely nice and helpful. The woman in reception even lend me her metropolitano bus card so we could use it. I really recommend this place if you want a safe cheap hostel with... More
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- TripAdvisor is proud to partner with Expedia, Booking.com, Hotels.com, Despegar.com and Odigeo so you can book your Hostal Jose Luis reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Hostal Jose Luis Hotel Lima


text:
Order Line 0330 123 4123
We use cookies to ensure that we give you the best experience on our website. If you continue without changing your settings, we'll assume that you are happy to receive all cookies on the Wickes website. However, you can read our cookie policy here .
Bathroom Basin Sinks
Our range of Bathroom Basin Sinks features everything from eco-friendly models to ultra-modern vanity basin bowls. Cabinet units, pedestals, taps and accessories are also available.
Copyright © 2015 Wickes.co.uk


text:
SemGroup Corporation And Rose Rock Midstream To Participate In Global Hunter Securities 100 Energy Conference
SemGroup® Corporation (NYSE:SEMG) and Rose Rock Midstream, L.P. (NYSE:RRMS) will attend the 2012 Global Hunter Securities 100 Energy Conference in San Francisco, California on June 25-26, 2012. Norm Szydlowski, Chief Executive Officer, will present an overview of the businesses, commencing at approximately 9:00 a.m. Pacific Time on June 26, 2012.
A live audio webcast of the presentation along with materials used during the conference will be accessible on the SemGroup website at www.semgroupcorp.com and the Rose Rock Midstream website at www.rrmidstream.com on Tuesday, June 26, 2012.
About SemGroup
Based in Tulsa, Oklahoma, SemGroup® Corporation is a publicly traded midstream service company providing the energy industry the means to move products from the wellhead to the wholesale marketplace. SemGroup provides diversified services for end users and consumers of crude oil, natural gas, natural gas liquids, refined products and asphalt. Services include purchasing, selling, processing, transporting, terminalling and storing energy.
SemGroup® is a registered trademark of SemGroup Corporation. About Rose Rock Midstream Rose Rock Midstream, L.P. (NYSE: RRMS) is a growth-oriented Delaware limited partnership recently formed by SemGroup® Corporation (NYSE: SEMG) to own, operate, develop and acquire a diversified portfolio of midstream energy assets. Rose Rock Midstream provides crude oil gathering, transportation, storage and marketing services. Headquartered in Tulsa, OK, Rose Rock Midstream has operations in six different states with the majority of its assets strategically located in or connected to the Cushing, Oklahoma crude oil marketing hub.Check Out Our Best Services for Investors
Action Alerts PLUS
Portfolio Manager Jim Cramer and Director of Research Jack Mohr reveal their investment tactics while giving advanced notice before every trade.
Product Features:
- $2.5+ million portfolio
- Large-cap and dividend focus
- Intraday trade alerts from Cramer
Quant Ratings
Access the tool that DOMINATES the Russell 2000 and the S&P 500.
Product Features:
- Buy, hold, or sell recommendations for over 4,300 stocks
- Unlimited research reports on your favorite stocks
- A custom stock screener
Stocks Under $10
David Peltier uncovers low dollar stocks with serious upside potential that are flying under Wall Street's radar.
Product Features:
- Model portfolio
- Stocks trading below $10
- Intraday trade alerts
Check Out Our Best Services for Investors
Dividend Stock Advisor
David Peltier identifies the best of breed dividend stocks that will pay a reliable AND significant income stream.
Product Features:
- Diversified model portfolio of dividend stocks
- Updates with exact steps to take - BUY, HOLD, SELL
Trifecta Stocks
Every recommendation goes through 3 layers of intense scrutinyquantitative, fundamental and technical analysisto maximize profit potential and minimize risk.
Product Features:
- Model Portfolio
- Intra Day Trade alerts
- Access to Quant Ratings
Options Profits
Our options trading pros provide over 100 monthly option trading ideas and strategies to help you become a well-seasoned trader.
Product Features:
- Actionable options commentary and news
- Real-time trading community


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RGV Food Bank Offering Summer Family Nutrition Program
The Food Bank of the Rio Grande Valley is broadening their food distribution services to include those that fall into the middle class.
The Summer Family Nutrition Program will offer a family of four with children, who are under 18 years of age and makes under $40,000 dollars a year, assistance in putting food on the table. Once the family is signed up, they will be able to get 50 pounds of food and be eligible for food assistance through September. You can get more information at http://www.foodbankrgv.com/


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We staid 2 nights and had a good experience. The hotel is located near Rt 1 and is easy to find. The Malecon and the main tourist area are a long walk, but doable if it isn't too hot. The room was large and clean. The beds were comfortable, but a little on the hard side. Bathroom is small and... More
- Reservation Options:
- TripAdvisor is proud to partner with Expedia, Hotels.com, Booking.com, EasyToBook, Cheap Tickets, Orbitz, Priceline, Despegar.com, Travelocity, TripOnline SA, Odigeo and Tingo so you can book your Hacienda Suites reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Hacienda Hotel Loreto


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Shots Fired During Bank Robbery, Schools On Lockdown
Shots were fired this morning during a robbery at American Bank and Trust Company branch in the 2900 block of Moss St.
Shots were fired this morning during a robbery at American Bank and Trust Company branch in the 2900 block of Moss St.
Prom queens are being tricked online by internet scammers. Don't let your teen be one of them.
The clause prohibits teachers from engaging in homosexuality, using birth control, or being married outside the church.
A California high school student staged an undercover sting operation to catch the thief that was stealing money from kids' backpacks. Who she caught, will astound you.
Police are asking anyone with information to call the police department or Crimestoppers at 232-TIPS.
School officials want a 3-year-old deaf child to change his name. The reason is ridiculous.
Several schools were forced to close down because of wet weather and flooding in some areas.
The St. Mary Parish School System will make up time lost to the recent floods by adding 15 minutes to the school day, beginning Tuesday January 22. The amended schedule will continue through Friday, April 5
Because of the rainy, stormy weather that has been happening since Tuesday and is expected to happen into Thursday morning, here are the school closures for Thursday:
The rain just keeps coming down.
Louisiana State Police have arrested a school bus driver - drunk while driving bus.
One kindergarten teacher in Austin, TX spoiled Christmas for five-year-olds and parents are not happy.


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Senior Member
Okay stuff it, crazy cat lady from simpsons, ADC that throws cats. Lets do it.
Haze of Grey
Yeah, I am argumentative. Yes, Poppy's an ambassador; have you noticed she talks a lot more like a Demacian than the other Yordles? She kinda lives with them; citizenship doesn't require birth y'know. You never explicitly mentioned good/evil light/dark etc., but the way you initially present yourself sounds like the entire reason you don't like to consider Vayne as a Demacian is indeed the fact that she is not wearing bright platemail and screaming "DEMACIA" (or kiais, in Xin's case) every few seconds. Yes, I took it in a different direction, but I'm still basing it off you noticing that she's not like the other Demacians. That was my point. Yes, I know what a vigilante is. >.> And again, I never was debating the idea of a new Demacian or a new carry; I was merely pointing out that, yes, Vayne is completely and fully Demacian. Just like Varus and Syndra are Ionian, Riven is Noxian and Poppy is a Yordle. Just a different character than the stereotype.


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"Purchased these for our U10 team. Fit great and look great. Our goalie loves them. Can't beat the price and got them in 2 days! This is the 2nd item our team has ordered from Epic and I can't say enough about price, speed and quality of product." (E945)
"Great item at a great price." (E7550)
"Great Deal!" (E27081)
Augusta Athletic Wear Reversible Practice Jersey [E18000]


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Vonzell getting played on Idolwaves, Idol online radio station with My Struggle |
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Vonzell getting played on Idolwaves, Idol online radio station with My Struggle |
jdanton2 |
Feb 4th 2006, 4:35 PM
Group: Members Posts: 23,297 Gender: Male From: AI1:Tamyra Gray AI2Ruben Fav. AI3: LaToya London Fav. AI4: Nadia Turner Fav. S5Lisa Tucker S6:Jordin Sparks |
they are playing Vonzell's song My Struggle on idolwaves .in fact it is #6 on their weekly countown up from #8 last week.
http://www.idolwaves.com/home the link to the chart. http://www.idolwaves.com/charts --------------------
Favorite Season 7 Syesha Mercado-Season 8 Anoop Desai- Season 9 Siobhan Magnus-Season 10 Pia Toscano-Season 11 Jessica Sanchez-Season 12 Candice Glover-Season 13 Malaya Watson
X Factor Season 1 Melanie Amaro- Season 2 Fifth Harmony |
NX AdBot |
Feb 4th 2006, 4:35 PM
NX Advertisement Group: Marketing Posts: I've been known to spam... Gender: Not telling :P Subscribe to NX to remove this advertisement post. Help us pay for our servers! Click for subscriber benefits. |
texasJRT |
Feb 6th 2006, 9:25 PM
Group: Members Posts: 124 Gender: Male From: Texas Fav. AI9: Siobhan Magnus |
Another Internet Radio Station is playing "My Struggle", too.
http://www.keystonehighways.com/uubru.html It's #4 this week! -------------------- |
Lo-Fi Version | 81 Time is now: Mar 2nd 2015, 12:03 AM |


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Tagged: Kyle Korver
CK Press Box Report: Atlanta Hawks 105, Sacramento Kings 100
The Kings can't overcome sluggish play in two of four quarters against the Atlanta Hawks.
Game 4 Preview: Atlanta Hawks at Sacramento Kings
Looking ahead to tonight's match-up between the Kings and Hawks.
CK Press Box Report – Atlanta Hawks 112, Sacramento Kings 96
The Kings lose in another blowout at Sleep Train Arena.
Game 9 Preview: Sacramento Kings vs. Atlanta Hawks
Previewing tonight's match-up between the Kings and Hawks.
Kings' Speech: Game 9 vs. Atlanta Hawks
At 2-6, the Sacramento Kings welcome the Atlanta Hawks to Sleep Train Arena tonight. The Hawks come into this evening's match-up at 3-4 after losing Wednesday night to the Golden State Warriors. The Hawks …


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Wow, it's been a while since I updated this. Give me a moment please. *scrubs the old message clean* Alright, time to bring this up to date. My name is Jason, and I'm a fun-loving, calm, and good-tempered geek looking for someone to revel in the joys of geekery with me. I've got a full-time job, which on the plus side means income, but has the downside of making it difficult sometimes to get out there and do the kinds of things I want to do. Still, I spend my free time watching movies and playing all sorts of games, so I'm doing my best to keep my geek cred high, and I hope everyone out there reading this is doing the same. The world needs more geeks and nerds!Ahem, anyways, now for a bit more detail. I am a cinephile, and consider my monthly tithe to Netflix well worth it. About the only genres I'm iffy about are horror movies (though I'm gradually finding some that I like) and modern comedies (also with the occasional exception). Action, "Chick Flicks," drama, romance, bring them all on. I've more-or-less fallen out of the habit of watching current TV shows, only now following Sherlock, Doctor Who, Castle, Game of Thrones, House of Lies, and the Newsroom. I'm also following Dexter, but that's more my roommate's thing and I'm along for the ride. As far as games go I love my PS3, just got a computer that should be able to actually handle new games, and I'm pretty sure that I'm close to at least having a passing familiarity with most tabletop pen-and-paper RPG systems out there. I love reading, though I'm running short on books that I desperately want to read, and I dabble in writing. One of these days I do intend to finish a novel, even if I never publish it.As far as activities go, I might be one of the few Coloradans that doesn't have an intense drive to be out in nature, but I do appreciate it and enjoy the occasional hike or fishing trip. Perhaps I have just not been with the right person to show me how to properly revel in the beauty of it all. Primarily, though, I tend to enjoy relaxing and either watching a movie, playing games, or having a small party with one or a few close friends. It may lack breathtaking excitement, but I find it leads to more memorable times and stronger bonds, which are what life's really about for me.
My ideal match would be a nice nerd, perhaps with a bit of a wild side. She'd at the very least allow me to continue gaming, and ideally would join me in it. I would like someone that I can take to movies or just stay at home with, and who could show me things or teach me things that I never would have experienced or found or known without her. Someone who likes cats would be a plus, but is not absolutely necessary, as long as they can tolerate them. Finally, I would love to have someone talk to me, instead of me talking to them, so if you're interested please do not hesitate to message me!
Gender: Male Looking for: Female Age: 29 Location: Monroe Township NJ, US
Gender: Male Looking for: Female Age: 27 Location: Tempe AZ, US
Gender: Male Looking for: Female Age: 29 Location: Las Vegas NV, US


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Certificate IV in Training and Assessment
Upgrade Course
From BSZ40198 to TAA40104
Is this qualification for you?
If you have the "old" Certificate IV in Assessment and Workplace Training (BSZ40198), and you are looking to be employed in the VET sector it would be to your advantage to upgrade to the new TAA qualification. Most RTO's when they are recruiting expect their staff to have the most up to date qualification.
If you are currently employed then the Upgrade course will give you the latest information on VET sector enabling you to demonstrate that you are maintaining your currency.
"AQTF Standard 1.4 states
Training and assessment are conducted by trainers and assessors who:
(c) continue developing their vocational and training and assessment competencies to support continuous improvement in delivery of the RTO's services"
Continuous improvement is an important principle in all aspects of the VET sector and it is always changing and growing in new directions, upgrading to the new qualification will give you a valuable insight into what is current and what is coming in the near future.
How do you get the new qualification?
You will not be required to do the full qualification all over again. The TAA qualification has 14 units. A current BSZ qualified trainer will be given credit for 6 units. They complete the 4"new" TAA units during a 2 day workshop and can either show RPL evidence for the other 4 units that have partial equivalence or complete gap training and written assessments. This combined with your current resume and a peer training activity on day 3 will mean you can be awarded the new qualification.
BSZ40198 Certificate 1V in Assessment and Workplace Training
Units of Competency
These are covered in the 2-day workshops
TAAENV401B Work effectively in vocational education and training
TAAENV402B Foster and promote an inclusive learning culture
TAAENV403B Ensure a healthy safe learning environment
TAADES401B Use training packages to meet client's needs
These have direct equivalence to the units on your BSZ certificate
TAAASS401C Plan and organise assessment
TAAASS402C Assess competence
TAADES402B Develop learning programs
TAADEL401C Plan and organise group based delivery
TAADEL402C Facilitate group based learning
TAADEL405B Coordinate and facilitate distance based learning
These units have partial equivalence and can be gained through RPL or completing written assessments after gap training
TAADEL403B Facilitate individual learning
TAADEL404B Facilitate work-based learning
TAAASS403B Develop assessment tools
TAAASS404B Participate in assessment validation
Course duration
This course is delivered over a 3 period. Training comprises of 2 face to face classes, with additional trainer support through phone or email.
Peer training day, where each member of the class chooses a topic to do with the 4 new units covered in the 2-day workshops and delivers a session to the group. It will be then up to the individual as to what pathway they choose to complete the rest of the units. Your trainer will work with you to develop an individual plan so you can complete the course requirements with additional trainer support through phone or email.
Classes run from 9am – 3pm at Ballinger Training and Consultancy, 6/2 Melaleuca Street, Kuluin (Across from the Kuluin School)
Assessment requirements
To be awarded the Certificate 1V in Training and Assessment you will be required to demonstrate competence in 14 units by
- Attending a 2-day workshop, participating in activities and completing a workbook during class.
- Researching and delivering a session to the group on day 3 on a topic that is related to the 4 new units covered during the workshop.
- Either providing RPL evidence for the 4 units that have partial equivalence or completing written assignments
- Providing a certified copy of you BSZ40198 certificate and a copy of an up to date resume
Cost per participant
This includes
- Nationally recognised qualification
- All resources and workbooks
- Face to face training
- Development of and guidance through an RPL plan or a combination of RPL and Gap training plan
- On going support from our trainer via phone, email through out the duration of the course or the RPL plan
- Mentoring support for 6 months after qualification has been awarded completed
Payment Plans
Individual students may choose to participate in our pay as you learn system. Please contact our office for details.


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Cotton fabric holds a special place in our fashionable heart. First cultivated 7,000 years ago, cotton is a timeless natural-fiber fabric, whose breathability makes it ideal for many garments. We carry an ever expanding collection of cotton fabric in our online store, including delicate Italian and Swiss voiles, brilliantly colored hand-loomed Guatemalan ikat fabric, nubby couture-inspired cotton tweed fabrics, travelable cotton-lycra blends, and chic designer cotton fabric.
Earthy Brown Guatemalan Striped Cotton Fabric
This hand-woven Guatemalan cotton is woven with stripes of irregular widths in shades of earthy brown accented with red, ocher, and olive. A medium-weight fabric, it would be sportif made up into tailored curtains, or spiffy toddler's overalls. 38" wide. Made in Guatemala.$29.99 -
Milk Chocolate Embroidered Floral Cotton Batiste LIMITED STOCK
A semi-sheer cotton batiste with a tone on tone chocolate brown embroidered floral pattern - perfect for a romantically full gathered skirt or a sweet blouse. 56" wide. 100% cotton. LIMITED STOCK$29.99 -
1 1/4" Border Print - Cappuccino Ethnic Hand Block Printed Cotton (Made in India)
A midweight cotton fabric with design of rust leaves on a cappuccino background. This hand block printed ethnic print has a graceful 1 1/4" wide floral border along one selvage - perfect for a romantically full gathered skirt or a vintage-inspired blouse. Please wash fabric separately prior to sewing. Made in India. 44" wide. 100% cotton.$18.99 -
Delicious Chocolate & Cream Geometric Cotton Eyelet Batiste
A cotton eyelet batiste in milk chocolate and cream with a geometric and polka dotted pattern - perfect for a romantically full gathered skirt or a vintage-inspired blouse. 56" wide. 100% cotton.$59.99 -
21" Border Print - Ikat Animal Silk & Cotton Batiste (Made in Italy)
A lightweight semi-sheer silk and cotton batiste, in shades of toast, with touches of soft ocher and orchid - the body of this enchanting fabric is all animal, and the 21" border is all ikat! Utilize the lively border and sew this into a deceptively demure halter top sundress. Made in Italy. 54" wide. Silk and cotton blend.$39.99 -
Couture Designer Suit Weight Pale Khaki Cotton (Made in Italy)
A couture designer midweight cotton in palest khaki - with a tight weave and lovely pale khaki color, this cotton is the perfect fabric for a classic summer suit. 60" wide. 100% cotton. (Made in Italy)$44.99 -
Classic Bottom Weight Khaki Cotton
A midweight cotton in khaki and with a faint slubby texture. This fabric is perfect for slightly dressy trousers, or even a cool summer suit. 56" wide. 100% cotton.$22.99 -
Khaki & Red Striped Oxford Cotton
A midweight Oxford cotton in warm khaki and cappuccino lengthwise stripes, with a subtle carmine red accent - perfect for a breezy shirt dress or a casual button-down shirt, 60" wide. 100% cotton.$18.99 -
Midweight Milk Chocolate Two-Toned Cotton & Linen Blend
A midweight two-tone cotton and linen blend fabric in milk chocolate brown and black, with a very subtle puckered texture. Soft and drapey...this would be perfect as a deceivingly sedate wrap dress, or as a swing-tastic pleat-fronted cabana shirt. 60" wide. Cotton and linen blend.$29.99 $10.00 -
Midweight Milk Chocolate Brown Cotton Shirting
A midweight cotton shirting fabric in a milk chocolate brown. Smooth and pliable, this cotton shirting would be wonderful as a dress shirt, or a pair of loose draw-string lounging pants. 45" wide. 100% cotton.$18.99


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I'm looking to meet new people and see what happens. Recently,
moved to New York, so I really want to explore the city. I'm really
laid back, friendly, trustworthy and fun. I like having variety in
my life. So I love kayaking, camping, hiking, music, theater, films
and traveling. I like dancing and having a good time, but I'm also
pretty stable. I'm passionate about people and life. I like
dancing, but also love cuddling and watching television with my
significant other (when of course I have one.) Honestly though I'm
not sure what to write in my self-summary, but I'm pretty friendly
so I'm always up for meeting new people.
I am passionate, energetic, and friendly.
I am passionate, energetic, and friendly.


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You can read most of my writing here. Click "Select Category" on the sidebar to jump to a page containing that specific set of stories. Or you could just click the links below. If you want to see all of my posts, click Uncategorized. Here are short tidbits about some of them.
Saga of Fourteen: A novel that I wrote, about the zodiac, gods, and the destruction of Earth.
Kyreth: A large saga, of which only one story has been completed.
xx12/Spacetime: A space-related story that I'm working on.
Cantomancy: A side project.
Shift: A completed science fiction short story, based around the concept of Phases.
The Element Stones: A project I was working on a while ago, but don't really have many future plans for.
Notes: A semi-indestructible man trying to figure out what he is doing.
Tears and Ashes (TaA): If you want more information on this abomination, you can read this page.
Alchemist Story (Unnamed): A story that I've worked on, that I may or may not continue in some fashion.
The Stone Emerges: A three-part story, the first part of which is completed, which I probably won't work on any more.
Betrayal: A prequel to The Stone Emerges, that I only got partially through. I may or may not continue it.
The Theorems: Meta-stuff pertaining to some of the universes of my stories.
U.N.S. Element: A completed science fiction story, in the form of journal entries, taking place on a deep-space cruiser.
End Play: A finished science fiction story about the beginning of the end of the world.
Assorted Stories: A very large percentage of my writing is here.
Dreams: A subset of the Assorted Stories category, where I jot down some of my dreams. For more information on it, see the first story in this category, here.
Gothic: The darker of my writings, a subset of Assorted Stories.
Random Writing: Self-explanatory.


text: Chris Macksey wrote: > What does ldd give you on libXrandr.so.2? Also, is /usr/X11R6/lib in your > ld.so.conf? # ldd /usr/X11R6/lib/libXrandr.so.2 libc.so.6 => /lib/libc.so.6 (0x4000c000) /lib/ld-linux.so.2 => /lib/ld-linux.so.2 (0x80000000) /usr/X11R6/lib is in /etc/ld.so.conf. I tried to compile KDE too but I had also problems while compiling aRts. After the failure of gtk+ compilation I tried to recompile qt too but I had the same kind of error with libGLU as you can see in one of "Re: Can't compile aRts" messages. I think the problem come from XFree libraries in general. Thomas


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Leave It to Bieber |
Written by Stephanie Finnegan |
Tuesday, 05 October 2010 21:35 |
One of my favorite parts of being a mom is getting to eavesdrop on the banter of my children. When my son and daughter get going—he's 7 and she's 5—the conversation twists and turns more than a 1971 "Malibu Barbie's" waist! The kids are natural storytellers, and though their give-and-take often gives me a headache, I do take away lots of laughs and insight from hearing them debate and gossip. Viagra salesTrackBack URI for this entryViagra sales...
There could be worse role models than Justin Bieber. Look at Lil Wayne and R. Kelly. Bieber is clean-cut and sweet, like a modern Donny Osmond.


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I am still new to the Baby-Led Weaning approach of introducing solid foods at 6 months without pureeing anything (our baby is 6mo). One major problem I am having is with the in-laws and at our weekly church suppers. People have yanked food away from our 6 month old baby and said "That's Dangerous!!!" (green bean, banana) When they see him gag it only proves in their minds that this is dangerous! It's tempting to not feed him while we are with other people, or to spoon feed him when we are visiting relatives. I love BLW though, and I feel like if I just knew the right thing to say to put their minds at ease, that they would leave us alone and be amazed. The problem is our baby is still getting the hang of it so he's not so amazing right now. I have to admit it is a little scary to see him take a huge bite and gag on it. I'm really just trying to trust his instincts and ignore my own anxiety. I don't know what to do with other people's! Any advice?
Honestly, I'd only feed him stuff I felt like he could handle when around other people... or not at all until he gets the hang of it better. It's not worth the stress to you AND family/friends. I guess it would be different if I was staying with family - at which point I'd explain the entire concept...
At 6 months I never have offered food even daily so it was never a big deal to just not offer food while out.
My LO couldn't handle that kind of food at 6 months. He was a year before he did solids with enough consistency for it to really count as calories.
I am pretty conflict-avoidant, so I likely would avoid serving him anything that I might be criticized for. Funny how everyone thinks they know better than the mama what the child needs!
One time I was camping with my parents and my DS who was 7.5 months old at the time and only about 3 wks into BLW was sitting in his chair eating a peach when he started gagging. My mother flew across the campsite screaming "OMG Scarlett He's choking" I was sitting right with him watching him. I had to say pretty firmly "Mom, he is fine, he is gagging not choking. Do you honestly think I would sit here and watch my baby choke without doing anything?" She was very upset and almost in tears. She just wasn't used to watching a baby figure out this whole eating thing at this age. After that I would warn anyone around that DS was ok and that he may gag on his food but that is not choking and if he or anyone else chokes I promise I will help them" then I smile and hand DS some food.
Oh wow, I didn't know about this until reading this. When ds#2 was about 6 mo we were working at a CSA farm, and the only things around to keep him busy playing were veggies (and of course they ended up in his mouth), so I experienced a LOT of gagging then. It was def scary for everyone around (and me), but I never thought it was a beneficial experience til now. Awesome! I'm so excited to not buy baby food. OP, I would avoid or explain, depending on the person.
My MIL was notorious for sticking her finger in the baby's mouth and fishing out the food dd was happily eating! Gross...
We just loaned her our BLW book to read and she stopped worrying and started bragging about how cool it was.
My mom was the worst. She was super stressed whenever DS ate around her and almost cried whenever he gagged. In retrospect, maybe I just shouldn't have had him eat at family dinners. At the same time, I don't allow my family or friend's lack of knowledge dictate my parenting choices (otherwise we wouldn't have co-slept, would have used disposable diapers, would have done CIO and wouldn't be AP, lol). This despite the fact that I did try to educate her.
For your situation, I would either not feed him at church suppers until he gets the hang of things, or I would prepare a response. Gagging is not choking. A baby's gag reflex is very far forward in their mouth, which actually makes it less likely that they will choke. In the long run, your DC has LESS chance of choking because he's learning how to handle solids while his gag reflex is further forward and isn't going to be used to just slurping down purees without chewing.
My DS has started actually choking twice, and I can tell you it's been in the last 2 months when he hasn't been paying attention to chewing his food properly (he's 27 mos), never while we did BLW (although he did gag to the point of puking a couple times, which was frightening). Good luck!