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Should you invest a lump sum or drip cash in, buy direct or buy advice? And what about PEPs? By Tony Bonsignore
Saturday 04 April 1998
All of which is rather unfair. Investment trusts remain an excellent investment choice for many people, with the average, long-term investment trust performance better than an average unit trust's. And investment trust groups have worked hard to entice private investors into buying their shares.
If you have a lump sum to invest, then it is easiest to buy directly. Many trusts, however, have a wide variety of different shares on offer, from ordinary shares to those which will not pay out a dividend but may reward you with more capital growth. Your stockbroker or financial adviser should be able to help you through the maze.
You can consider using your personal equity plan (PEP) allowance to buy into investment trusts. This allows you to invest up to pounds 6,000 before next April, and any gains you make will be free of income and capital gains tax. Investors are allowed one PEP plan each year and a large proportion of investment trusts qualify. To check, contact an individual manager directly or call the Association of Investment Trust Companies (0171-431 5222). The AITC produces a monthly guide, with details of the investment trusts available, as well as a number of factsheets.
Investment trust PEPs are available from as little as pounds 500. You can add more money later, subject to the pounds 6,000 limit and up to a quarter of the total can be put into non-qualifying trusts - those companies which do not invest European stocks. Again, your plan manager will be able to tell you what is on offer.
PEP investors have also been boosted by the news that any investments made before April 1999 will be allowed to continue when PEPs are then replaced by individual savings accounts (ISAs). Investment trust ISAs, meanwhile, should start appearing next spring.
Alternatively, you can invest in a savings and investment scheme from as little as pounds 25 a month. Some groups offer regular-savings plans, some have designed them for PEPs, while a few offer personal pensions.
With these schemes, you decide how much to invest each month and pay this to your plan manager via a standing order or direct debit. Most allow you to increase or decrease your contributions each month without penalty. The majority will also let you invest the occasional lump sum or even stop paying your contributions for a while.
Regular savings plans have a number of benefits. Feeding your money in bit by bit means your cash would be not be hit as hard as it would be if the market crashed immediately after you invested a large lump sum. It also means you buy shares "cheaply" as prices fall, which will be worth a lot more if they rise later on.
A number of other options are available. Some groups offer a share exchange facility, where the company will switch your other investments into investment trust shares. Others allow you to swap at minimal cost between different trusts in the group. Again, the AITC can provide full details.
Investors must also decide how they want to buy their investments. Some choose to buy direct from the investment trust itself. This can the cheapest way, but cost is only part of the story. A saving of, say, 1 per cent is irrelevant if your particular trust is a poor performer. It is worth checking out the manager before you go down this route.
The other option is to seek advice. A good stock broker or independent financial adviser will be able to recommend a suitable trust, as well as helping you with your overall financial planning. Of course, you will have to pay for the advice but it is often worth the investment in later years. IFA Promotion (0117 971 1177) can provide you with a list of independent advisers in your area.
Tony Bonsignore writes for `Financial Adviser'.
Independent Partners; Do you need financial advice on your investments, pension or insurance? Book a free consultation with an independent Financial Adviser at VouchedFor.co.uk
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Lewisham, SE13
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Bewdley, Worcestershire
Heathfield, East Sussex
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Newport, Isle Of Wight
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Sway, Lymington
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Llanwrda, Llandeilo
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Hotel Villa Dolce is located in Alajuela, just 5 minutes away from the international airport.
Our new hotel is located right in the heart of the oldest city on the American continent, only 3 blocks away from the Central Park.
For those who love 'Natural Ingredients' Raratonga is the right place to be, completely made of wood and surrounded by tropical gardens.
This new small cozy place is located only a 2 minutes walk from the bus station on the main entrance of Santa Elena...
Midas Resort is located in the Town of San Ignacio on a 7 acre garden with private access to the river flowing at the back, a perfect place for enjoying nature at its best
This hostel is centrally located in the heart of modern downtown Managua, and offers a wide range of accommodation options and features for budget travellers.
Bachelor Inn is a safe, clean, convenient and inexpensive property in Belize city, it is located near University of Belize, 100 yards from Caribbean Sea,
Joles home is a place where purity of quietness of the rural area are convined with the amenities of a small community near Antigua Guatemala, which is listed as world
Hotel Bed & Beakfast Mi Casa is a family hotel made to make you feel at home.......
Novohostal Your Place to rest in Guatemala.
Is a nice, cozy and safe place to stay in Guatemala City, which makes us your best
|Page: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |
Find a hostel in Central America and save money on discount lodging. Hosteling in Central America offers a different travel experience than staying at traditional accommodations. Youth hostels allow you to meet new people and learn from other international and worldly travelers. Most hostels are conveniently located in the center of the action close to public transportation, including buses and rails. Staying at a hostel in Central America is a great option whether you are backpacking or traveling on a budget . Browse our hostels and plan your Central America vacation today!
|Page: 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 |

subset: commoncrawl


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Ghana's mixed fortune as a dumping ground for e-waste
Return to Kuwait: The class of 1990
25 Mar 2012 15:01 GMT | Sport, Latin America, Australia, Mexico, Spain
Ferrari's Fernando Alonso scored a dramatic victory in the Malaysian Grand Prix on Sunday when the Spaniard denied Sauber's Sergio Perez a first Formula One victory in a race affected by bad weather.
The race started in torrential rain and was red flagged for 51 minutes after eight laps, but Alonso drove a brilliant race in a car that had been outpaced in qualifying to register his 28th career victory.
Pole starter Lewis Hamilton repeated his third place finish from the opening race of the season in Melbourne last weekend, with Red Bull's Mark Webber in fourth and 2007 world champion Kimi Raikkonen fifth in his Lotus.
Australia race winner Jenson Button and world champion Sebastian Vettel both suffered mid-race collisions and finished outside the points.
Alonso had started the race in eighth place but worked his way up to fifth by the red flag and capitalised on a well-timed first pit stop after the resumption to get past the cars ahead of him.
Mexico's Perez closed to within a second of the Ferrari in the latter stages of the race and was on course to secure an unlikely victory but he ran wide on turn 13 with four laps remaining and had to settle for second.
Michael Schumacher was third on the grid but finished 10th.
Source: Agencies
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Cuba offers free sex change surgeries and government-sanctioned Pride marches, but activists say more change is needed.
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Tina Fey is expecting her second child.
Her publicist confirms that the "30 Rock" star announced while taping an appearance of "The Oprah Winfrey Show" on Wednesday. Fey is about five months pregnant. Her "Oprah" appearance is scheduled to air next week.
Fey and her husband, composer Jeff Richmond, are also parents of a 5-year-old daughter, Alice.
The 40-year-old actress-writer is currently promoting a new memoir, "Bossypants."
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Join The Conversation
Jan 11 Posted 1 year ago
Pretty useful list. It's quite strange that a lot of people share only links where they could do so many interesting things like the above mentioned practices to sound more like a human. I admit to being guilty of this. Will definitely try and incorporate some of these!
Jan 10 Posted 1 year ago
This a good list! Thanks for sharing
Jan 9 Posted 1 year ago
This is a great list! It's a good point that sometimes we need to stop tweeting out links and just write what we want to. There are so many hashtags and links that just by not including them your tweet might actually stand out.
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National Finals Rodeo To Stay At Thomas & Mack Baseball HOF Expects Large Crowd L.A. Country Club Hosting '23 U.S. Open Players' Awards Fails To Draw Star Attendees Venue For Cotto-Alvarez Still Undecided First NBPA Awards Deemed A Success Organizers Make Canadian Open More Canadian Alabama PGA Tour Event Deemed Successful UFC Eyes AT&T Stadium For UFC 194 130,000 Fans Pack GABP For ASG Festivities
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NOT WORKING OUT: The LONDON TIMES writes FIFA's "controversial decision to award the tournament to Qatar in December 2010 has sparked outrage, not only over that process but also the conditions thousands of migrant workers have subsequently faced." Qatar has been "forced to overhaul its labour laws after it was revealed that hundreds of migrants had died in appalling and unsafe conditions while employed on the vast construction projects." Indian embassy figures suggest that more than 700 of its countrymen "have died there while building the stadiums and necessary infrastructure." The Int'l Trade Union Confederation warned that as many as 4,000 workers in all "could be the casualty of the construction process before the first match kicks off" (LONDON TIMES, 5/16).


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Liazrad Man is the coolest most awesome-est flash animation ever. It had it's debut on gprime and was very succesful. Now it's all over the internet! Liazrad Man kicks ass.
Doesn't Liazrad Man kick ass?
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I have eaten here several times over a five year period. This restaurant has never disappointed me! The food is exquisitely prepared and the presentation is always pleasing to the eye.
Went there with my wife for our anniversary and we had an amazing time at this classy establishment! Our waitress (Natalie) as well as the rest of the staff was very friendly, knowledgeable and attentive. The food was incredible (try the duck!) and cocktails were tasty. Atmosphere was lively with lots of outside light and good-natured customers. They even gave...
This is an excellent restaurant for what it is. Diners looking for funky, creative, ethnic (Asian fusion?), vegetarian, casual should go elsewhere. This is a dressy casual, white tablecloth destination---for us, a once-in-a-great-while, special occasion place, and we thoroughly enjoyed it. The building is Victorian, beautifully restored and re-designed as a restaurant with several dining rooms and a lovely bar...
Came here with my wife and we were just in the mood to sit at the bar and have a drink and food. We were told about this place while at another restaurant so we decided to check it out.
This is a fine dining restaurant that doesn't sell itself short at the bar. The bar is nice and cozy...
By far the best in Cape May. We have been coming here for 15 years or more and always have a wonderful dining experience. The food is amazing, staff professional and attentive. Hats off to Chef Mimi and the staff. Got to have that braised lamb recipe!!!! See you all in October!
Took my dad and 26 year old son to the Washington Inn at 6pm on a Saturday. We were fortunate enough to get 3 seats at the bar. The Bartenders are professional and very entertaining. I can not say enough about eating and drinking at the BAR. The food, service, atmosphere and drinks are "the Best".
We had an excellent dinner this past week at the Washington Inn. From the hostesses who were eager to please, to the bartenders, who all had smiles on their faces and a pleasant demeanor, to our waiter, James, who was just a delight, this was a meal to remember.. The dining room is nicely decorated. And the food was fabulous....
No complaints here. A great dinner along with great service. Not our favorite on this trip but still a Top 5 this year.
We went for our wedding anniversary in June. We went all out for the occasion, cocktails, wine after dinner liquers so was expensive but we had budgeted for that. You could have a more budget friendly meal cutting out the extras. Service was good and at a nice pace....we like time between courses and hate to feel rushed. We didn't...
Next to Tisha's, we recommend the Washington Inn. Excellent food and service, along with valet parking. Very upscale and should not be overlooked if planning a special night out with your spouse or family. Only disappointment, they are not a BYOB restaurant. .
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Richie Incognito Proves NFL Has Serious Hazing Problem
The latest ugly hazing incident involving Miami Dolphins offensive lineman Richie Incognito and Jonathan Martin has shed light on a way of life in the NFL that has to stop. Hazing in all sports, but especially football, is a practice that has gone way too far. What was once a simple, lighthearted way to welcome new players onto a team has become a way for mean-spirited people to enact punishment on those who have done nothing to deserve their torments.
The sad reality is that there are those among us who take a sick pleasure in forcing their dominance on others. In almost all other areas of our society we have taken steps to stop this kind of behavior. Sports, as it all too often does, finds itself far behind the curve.
The macho-man culture of football that has fostered these kinds of hazing rituals has gone on for too long. Just because someone is a rookie doesn't mean that they should be forced to be subservient to their veteran teammates. The idea that just because the veterans had to suffer when they were rookies, so the rookies should have to now is a pathetic justification for the continuation of a circle of unhealthy behavior.
I remember when Dez Bryant was a rookie and much was made of the fact that he refused to perform the typical tasks that were asked of rookies. I thought at the same time that I would refuse too. Just because I was a rookie didn't mean that I had to buy you dinner, carry your pads or bring you coffee. If a team thinks highly enough of a player to bring him into camp then he is just as important as all the veteran players on the team.
The news that is coming out about Incognito and Martin saddens me. You would think that by now that kind of behavior would have been eradicated from the modern professional football locker room. It is now up to the players and the coaches of all teams to make it known that this kind of thing can never happen again.
Ben Sullivan is an NFL writer for RantSports.com. Follow him on Twitter @bensullivan52, "Like" him on Facebook and add him to your network on Google.
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Suspect was convicted of attempted murder after stabbing three during 2005 Gay Pride Parade; he was recently released from prison.20:44 30.07.15 | 20 comments
7 May 2011, AFP reported that 21 bodies, in black body-bags marked with letters and numbers in Roman script had been recovered from a mass grave in al-Maadhidi cemetery in the centre of the city. Fallujah police chief Brigadier General Mahmud al-Essawi said that they had been blindfolded, their legs had been tied and they had suffered gunshot wounds. The Mayor, Adnan Husseini said that the manner of their killing, as well as the body bags, indicated that US forces had been responsibl;e. Both al-Essawi and Husseini agreed that the dead had been killed in 2004. The US Military declined to comment.[21]


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Dress festive
Even if you hate red or would rather spend the entire night
in your fave jeans, you gotta suck it up and pull on a cheery outfit. Be sweet
to your mom and dad and simply pull on something a li'l fancy on your own.
Ignite the Night Dress, $40, modcloth.com
Pas de Bourrée Wine Red Skirt, $34, lulus.com
Keep the accessories low-key
Wacky tights, towering heels and studs are best left at
home. Instead, pull on a bracelet Gram gave ya or wear a simple necklace that
is special to you (like one with an initial charm). If the weather's icky,
stomp over in your best boots and then slip on some ballet flats.
Delilah Flat, $23, payless.com
Pin back your hair
If your bangs are a li'l grown out, pop on a headband or use
some clips to get your locks outta your face. You're likely to be posing for a
lot of pics and you'll get sick of hearing "get your bangs outta your face."
It'll save ya a ton of exasperated sighs later on.
Solid and Polka Dot Hair Clips, $2, forever21.com
Pass by the dark makeup
Butter London 3 Free Nail Lacquer, $14, ulta.com
POSTED IN dresses, how to, party, winter, conservative, happy holidays, holiday parties, christmas parties
Win VIP back-to-school swag with GL's Backstage Pass giveaway!
We rounded up the best back-to-school books and the most exciting new games—and you could win 'em all! Just CLICK HERE to enter.


text:
This property allows you to book online with a credit card. After submitting a reservation request, the owner or manager has 24 hours to accept, at which time your card will be charged and you will receive an email confirmation
Recent Ontario reviews
"long story short (or not)... I booked this entire camp for my wedding in June and eventhough it didn't happen due to my mother's health and subsequent passing, we were forced to postpone, but will be back next summer. Steven was amazing to deal with right from the start with questions, suggestions etc about the camp and cabins. he even had his friend Eric (who was great too) open it up for a night to allowed me and my girls (bridal party) so we could check it all out and make plans for it (we live 3 hours away). Steven was aware of my mom's health and showed great concern during the planning process and said if there are any changes needed, he would accomodate and in the end when she passed two days before the booking, offered his sincere condolences and a full refund, without a hint of hesitation. I have nothing but good things to say about him and kindness and generosity. as for the camp, I have nothing but good things to say about it either! although we didn't get to stay, except the one night while there was still snow on the ground I was soooo happy with it. my girls and had perma-grins walking through everything, we were very impressed. I was so excited to start planning the wedding and party after, where to put friends and family etc. I'm so sorry it didn't happen this year, my fiance Davide and I were very sad to have to cancel, but we will be back next year! I absolutely recommend this camp for a group, it is absolutely fantastic and so is Steven! the only thing I would point out, which is not a criticism, it's nature) as it was a hope of mine to be able to get married on the beach, there isn't much of one... by that I mean sparse and doesn't go out far because of the water levels. but it IS lovely sand and the dock is huge! there is enough beach to hang out on and use, just not enough for 30 people. ;) thank you Steven!!! see you next summer."Guest: Juliane B. Date of Stay: June 2015 Review Submitted: July 13, 2015View listing
"Our girls getaway was just "perfect" this blue cottage was just " the best " for our stay. It has everything you need and more. Clean,cozy, comfortable,practical indoor and outdoor. We are looking forward to next year...... tks..."Guest: joe Date of Stay: October 2014 Review Submitted: October 16, 2014View listing
"My sister was visiting from California. We rented Waynes cabin with three other friends. Five women! We had a wonderful time. We took advantage of all the cabin and property had to offer. Saunas. Firepit at night with s'mores. Kayaking. Hiking. Fires in the evening in the cabin. The mornings are extraordinary if you like to get up early. The mist oen the lake combined with the wildlife waking up is breathtaking. The lake is delightful for kayaking and canoeing. My grandfather owned 100 acres in northern Ontario and this place took me back to my childhood and the wonder and awe of natures simplicity. You never have to leave the property but if you do, it is very close to both Haliburton and Minden. The area is rich with artists studios and galleries. This cabin is not to be missed! Oh, and the chipmunks (fondly chippies) will keep a smile on your face as they dash across the deck in their search for acorns. Truly a place to let go of the everyday stresses and just be in the moment."Guest: Cindy Date of Stay: August 2014 Review Submitted: September 1, 2014View listing
"We rented the cottage for a week in July. The cottage was very spacious and perfect for us, our children and grandchildren. Great family fun!"Guest: Kim J. Date of Stay: July 2015 Review Submitted: July 22, 2015View listing
Featured Destinations: The Villages, Rosemary Beach, Destin Condo Rentals, Amelia Island, Myrtle Beach, Outer Banks


text:
Minimizer Fenders Adding Value in Winter
Winter's icy grip continues to hold much of the country. It's the toughest time for trucks, trailers, equipment and cargo.
According to the American Public Works Association, 70 percent of municipalities in North America utilize liquid de-icers on roads. De-icers are formulated using corrosive chemicals that damage any metal they come in contact with.
Historically, simple rock salt has been the most practical, cost-effective ice melter. But with salt alone not being effective below 15 degrees Fahrenheit cities have turned to a combination of solid and liquid substances. The so-called "brew masters" now mix liquid chemicals such as calcium chloride and magnesium chloride with a base of salt brine.
These solutions attack metal. The chemical components of the mixtures will migrate into and onto any area of your truck. Any metal component is susceptible to corrosion from these substances. Including metal fenders.
Truckers need to mitigate the damage caused by various de-icing materials. Start with Minimizer fenders and brackets.
Minimizer fenders will add value to your truck in the winter and year-round:
1. Minimizer fenders are non-metal. They won't corrode, need paint, fade, rust, crack or need polishing. De-icing materials, no matter what the concoction, will not hurt these fenders.
2. Combine the Minimizer fender with the Minimizer poly brackets and you've got the best combination of durability in the industry. The brackets are made from a similar material as the fenders.
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text:
...for Pandaren? I finally got through the Valiant quests and now I get the quests to earn Champion Seals from Eadric, the Argent Grand Champ, Cellian, and Luuri... One from each for a grand total of three. I'm used to getting six dailies. On my DK, I got 3 from the DK NPCs and 3 from Sunreavers. Is that not the case with Pandaren? Are there only 3 a day or am I missing something?
Are there only 3 Argent Tournament Dailies...
I race changed to a panda, and now I only have the Sunreaver dailies. I am missing the ones you get for being a champion of your race, and the ones to get champion of Sen'jin and or Thunderbluff since my achievements show that I have the other ones. I am thinking that it is because I am a panda and have no race represented in the argent tournament.
you get 9 if theyre all unlocked
you get 9 if theyre all unlocked
Have you been able to unlock them on your Pandaren?
Please report any Code of Conduct violations, including:
Threats of violence. We take these seriously and will alert the proper authorities.
Posts containing personal information about other players. This includes physical addresses, e-mail addresses, phone numbers, and inappropriate photos and/or videos.
Harassing or discriminatory language. This will not be tolerated.


text:
VIEWS: 1 PAGES: 5 CATEGORY: Company Agreements POSTED ON: 1/5/2010 Public Domain
Filed pursuant to Rule 424(b)(3) Registration No. 333-120300 PROSPECTUS SUPPLEMENT NO. 1 (TO PROSPECTUS DATED DECEMBER 23, 2004) COVENTRY HEALTH CARE, INC. This prospectus supplement supplements the proxy statement / prospectus, included as part of the Registration Statement on Form S-4, as amended and supplemented from time to time, filed with the SEC on December 23, 2004 (the "Prospectus"), which was furnished to stockholders of First Health Group Corp. ("First Health") in connection with the solicitation of proxies by First Health's board of directors for use at the special meeting of stockholders of First Health to be held on January 28, 2005 beginning at 8:00 a.m., local time, at First Health's principal executive offices located at 3200 Highland Avenue, Downers Grove, Illinois 60515. At the special meeting, holders of First Health common stock will be asked to consider and vote upon a proposal to adopt the Agreement and Plan of Merger, dated as of October 13, 2004, among Coventry Health Care Inc. ("Coventry"), Coventry Merger Sub Inc., a wholly owned subsidiary of Coventry ("Merger Sub") and First Health, providing for among other things, the merger of First Health with and into Merger Sub with Merger Sub continuing as the surviving entity of the merger. At the effective time of the merger, First Health will merge with and into Merger Sub. Each outstanding share of First Health common stock (other than shares held by Coventry, Merger Sub or First Health or shares held by stockholders who properly perfect appraisal rights) will be converted into the right to receive 0.1791 shares of Coventry common stock (plus cash in lieu of fractional shares) and $9.375 in cash. On January 13, 2005, Coventry and First Health announced that they had entered into a memorandum of understanding with plaintiff's counsel in connection with a purported class action lawsuit filed on October 20, 2004 (as may be amended by a proposed amended complaint filed on January 7, 2005) against First Health, First Health's board of directors and Coventry Health Care, Inc. ("Coventry") in the Circuit Court of Cook County, Illinois, as described in greater detail on page 101 of the Prospectus. Under the terms of the memorandum, Coventry, First Health and the plaintiff have agreed to settle the lawsuit subject to court approval. If the court approves the settlement contemplated in the memorandum, the lawsuit will be dismissed with prejudice. Coventry denies all of the allegations in the lawsuit and believes that its disclosures are appropriate under the law. Nevertheless, pursuant to the terms of the memorandum Coventry has agreed to supplement the Prospectus, which is hereby supplemented by the following information (all page references contained herein shall refer to those contained in the Prospectus): Background of the Merger (pages 39-46) The members of the First Health transaction committee consist of James C. Smith, Ronald H. Galowich and William Mayer. Messrs. Smith and Galowich were selected to serve as members of the transaction committee of First Health's board of directors in light of their familiarity with First Health's business based on their management service at First Health. Mr. Mayer was selected to serve as a member of the transaction committee in light of his extensive experience in investment banking. For serving on the First Health transaction committee, Messrs. Galowich and Mayer received a fee of $1,000 per meeting, which is First Health's standard fee for service on a committee. As a salaried First Health employee, Mr. Smith did not receive a fee for his service on the committee, consistent with First Health's directors' compensation policy. (page 40) The First Health transaction committee developed the process to solicit proposals for a possible acquisition of First Health in consultation with First Health's management and financial advisor. Specifically, First Health's management, with the assistance of First Health's financial advisor, evaluated fourteen possible partners based on factors such as First Health's needs for business scale, business compatibility, likely level of interest, ability to fund a possible transaction and strategic fit and presented eight possible partners, including Coventry, to the First Health transaction committee that were likely to meet the criteria. The First Health transaction committee assessed the risks and benefits associated with a broad market canvas of potential buyers, and concluded that the most effective means to maximize stockholder value would be to identify and approach only those prospective partners which were reasonably likely both to have a strong interest in a strategic combination with First Health and to be capable of completing such a transaction with minimal contingencies. As a result of this evaluation, the First Health transaction committee instructed First Health's financial advisor to contact the eight potential partners considered by the committee. Of the eight selected, seven were strategic purchasers and one was a financial sponsor with a portfolio company in First Health's industry sector. (page 40) During the first two weeks of August 2004 First Health's financial advisor received unsolicited inquiries about a potential First Health sale process from several financial sponsors. First Health's financial advisor reported these unsolicited inquiries to the First Health transaction committee. After careful consideration of many factors, including (i) the lack of synergies with financial sponsors not in the healthcare business, (ii) the difficulty in arranging financing for a leveraged buyout of First Health, and (iii) the delay required to educate financial sponsors inexperienced in the healthcare business served by First Health, the First Health transaction committee decided not to respond to these inquiries. None of these financial sponsors expressed further interest. (page 42) As of August 31, 2004, First Health had received the preliminary indications of interests described below. On July 28, 2004, First Health received preliminary non-binding indications of interest to acquire First Health from two strategic purchasers, which indicated (prior to and subject to the conduct of due diligence) respective possible offer ranges from $15-$16 per share, payable approximately 72% in the purchaser's common stock and 28% cash, and $19-$20 per share, payable in 55% of the purchaser's common stock and 45% cash, respectively. On August 18, 2004, First Health received a preliminary non-binding indication of interest to acquire First Health from a third strategic purchaser, which indicated (prior to and subject to the conduct of due diligence) a respective possible offer range from $15.50 to $17.50 per share, payable 100% in cash. The first two proposals were subsequently withdrawn, and the third proposal was not further pursued by the prospective purchaser. (pages 41 & 42) On October 4, 2004, Coventry sent a letter to First Health that described principal questions and issues related to the draft merger agreement previously distributed by First Health's legal advisor, including questions regarding the nature of the merger consideration, breadth of the representations and warranties, conduct of the business of First Health pending the closing, First Health's employee benefit plans and First Health's ability to entertain subsequent offers or terminate the merger agreement. (page 43) On October 8, 2004, one of the three companies participating in the process advised First Health that it was still interested in evaluating a business combination with First Health but was not prepared to submit a definitive proposal by the October 8th deadline. In addition, this company could not identify a reasonable time thereafter by which it might submit a definitive proposal or provide assurance that it would in any event submit a definitive proposal. Nevertheless, First Health permitted this company to continue to access an online data room to facilitate its evaluation of a possible business combination until First Health and Coventry entered into the Merger Agreement. First Health terminated all parties access to the online data room on October 13, 2004, as required by the Merger Agreement. Following this action, First Health did not receive any further inquiry or indication of interest from this company. (page 44) Interests of Certain Persons in the Merger – Options Tender Offer (pages 59-60) & The Merger Agreement – Possibility of Coventry Stockholder Approval (pages 73-75) As discussed in the Prospectus, the First Health board of directors considered it desirable that Coventry stockholder approval not be required to complete the merger. Coventry had advised First Health that under the rules of the New York Stock Exchange, Coventry stockholder approval would be required to complete the merger if, as of December 22, 2004, Coventry were required to assume options to purchase more than 4,403,167 shares of First Health common stock. The First Health board of directors viewed such a contingency as detrimental to First Health stockholders and sought with counsel to structure the treatment of options in the merger in a manner that would eliminate this contingency while maximizing stockholder value. As of December 22, 2004, option holders held 10,933,395 options to purchase First Health common stock. Of the 10,933,395 outstanding 5,702,179 options to purchase shares of First Health common stock had an exercise price that exceeded $18.75 (referred to herein as "out of the money options"), which in each case were granted pursuant to stockholder approved employment compensation agreements, the Amended and Restated First Health Group Corp. 2001 Directors' Stock Option Plan or the First Health Group Corp. 2001 Stock Option Plan in which approximately 4,700 First Health employees are participants. Moreover, the tender of options with an exercise price of less than $18.75 (referred to herein as "in the money options") was subject to uncertainty because holders of in the money options might elect to benefit from the tax advantages afforded by Coventry's assumption of their options, rather than accept the current cash value of their options in the offer. It was thus determined that First Health would likely need to acquire and cancel both in the money options and a significant portion of the out of the money options to obtain the number of options sufficient to eliminate the contingency of a Coventry stockholder approval. In order to induce all holders of out of the money options to tender their options First Health proposed to offer holders of out of the money options $1.25 per out of the money option in the offer, and Coventry agreed. The agreement of the $1.25 per out of the money option price was negotiated after the merger consideration was determined. (pages 73-75) The following table summarizes the estimated amounts that will be payable to First Health's directors upon completion of the option tender offer. (pages 59-60) Gross Payment for Total Number of Options Beneficially Owned* all Options in Option Tender Offer** Number of Options with an Exercise Price in Excess of $18.75* Gross Payment for Options with an Exercise Price in Excess of $18.75** Name of Beneficial Owner James C. Smith Chairman of the Board Edward L. Wristen President and Chief Executive Officer, Director Michael J. Boskin, Ph.D. Director Daniel S. Brunner Director Raul Cesan Director Ronald H. Galowich Director Harold S. Handelsman Director Don Logan Director William Mayer Director David E. Simon Director Directors as a group (10 persons) 861,000 1,149,998 212,000 64,000 80,000 180,000 170,000 204,000 80,000 156,000 3,156,998 $ $ $ $ $ $ $ $ $ $ $ 5,543,910 4,817,166 794,275 116,320 136,320 801,400 795,400 851,025 136,320 725,320 14,717,456 112,000 800,000 84,000 48,000 64,000 60,000 56,000 80,000 64,000 48,000 1,416,000 $ $ $ $ $ $ $ $ $ $ $ 140,000 1,000,000 105,000 60,000 80,000 75,000 70,000 100,000 80,000 60,000 1,770,000 * Numbers and amounts are based upon the number of options outstanding as of January 7, 2005. ** Gross payment amounts are without regard to any applicable tax withholding. Opinion of First Health's Financial Advisor – (pages 51-57) As discussed in the Prospectus, First Health retained Citigroup Global Markets Inc. ("Citigroup") to act as its exclusive financial advisor in connection with the merger. The First Health transaction committee selected Citigroup after evaluating the capabilities of several investment banks and negotiating the fees and other terms of engagement proposed by Citigroup. In addition to the factors disclosed in the Prospectus, the First Health transaction committee based its decision upon First Health's past experience of working with Citigroup, which included the acquisition of CCN Managed Care, Inc., two divestitures and several other transactions that were either suspended or failed to culminate in an agreement, and Citigroup's knowledge of the industry. Pursuant to the terms of Citigroup's engagement letter, First Health paid Citigroup a fee of $3.0 million upon execution of the Merger Agreement and agreed to pay an additional fee of $3.25 million payable upon consummation of the merger. In addition, upon consummation of the merger, First Health agreed to pay Citigroup an "incentive fee" based upon the average implied value of the merger consideration for the 5 trading day period immediately prior to the consummation of the merger; assuming an average implied value of $18.70 per share, this additional fee would be equal to approximately $1.275 million, which may increase or decrease based upon the average implied value of the merger consideration for the 5 trading day period immediately prior to the consummation of the merger. First Health does not believe any material conflicts of interest existed or affected Citigroup's financial advice; certain relationships and securities holdings of Citigroup are set forth in the Prospectus. (pages 51 & 57) Comparison of Rights of Stockholders of Coventry and Stockholders of First Health (pages 149-155) Effective as of March 17, 2004 First Health's board of directors rescinded First Health's stockholder rights plan. First Health did not amend or alter any anti-takeover measures in order to authorize the Merger Agreement. (page 154) This prospectus supplement should be read in conjunction with, and may not be delivered without, the Prospectus, and this prospectus is qualified by reference to the Prospectus, except to the extent that the information provided by this prospectus supplement supersedes the information contained in the prospectus. The date of this Prospectus Supplement is January 13, 2005
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"Prospectus - COVENTRY HEALTH CARE INC - 1/13/2005 - COVENTRY HEALTH CARE INC - 1-13-2005"Please download to view full document


text:
I left Cacophony when I was 19.
Way back in 1991, I was doing a lot of movie score work as a session player, and I received a phone call from a Hollywood contractor with a ...
The guitar-oriented singer/songwriter is as old a paradigm as the guitar itself, but there's an inherent conflict: There's quite a bit of fr...
In my years of guitar repair I have seen so many fixes for non-problems.
I like to wind two or three music boxes at the same time, and see if I can hear any interesting or haunting harmonies, or maybe some cool no...
The very same magazine you are reading right now once claimed that cigar-chomping Los Angeles session player (and former GP columnist) Tommy...
Last time I wrote about some things that inspire me as a musician, both guitar- and non-guitar-related.
Regardless of whether you think playing back audio at 96kHz sounds better than 44.1kHz, recording at 96kHz can improve some amp sims' sound—...
As I've mentioned in previous columns, when it comes to gear, my number one maxim is this: "If it sounds good, don't sell it."
Guitarists often ask me who inspires me.
Paul Simonon's Famous Smashed Precision Bass (VIDEO)
Orange Amplification Launches The OBC210 Mini Bass Amp
Check Out Rex Brown's Isolated Bass Track for Pantera's "I'm Broken" (VIDEO)
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Copyright ©2015 by NewBay Media, LLC. All Rights Reserved. 28 East 28th Street, 12th floor, New York, NY 10016 T (212) 378-0400 F (212) 378-0470


text:
Hundreds of teachers have signed up for a new no-strike legal service offering an alternative to trade union membership, it was claimed today.
Michael Gove
Like this page on Facebook for updates
Politicians should stay out of schools, says ex-curriculum head
Tuesday 16 April 2013
Politicians should be stopped from meddling in school policy and using visits among pupils as photo shoots, the former head of the national curriculum said last night.
Both sides could learn from each other in dispute between Gove and teachers
Sunday 14 April 2013
It is perhaps no surprise to find Education Secretary Michael Gove and hundreds of teachers at loggerheads over his proposed national curriculum reforms.
Ban for principal who ignored sex abuse claims
Saturday 13 April 2013
The former head of a school where a teacher sexually abused pupils has been banned from teaching.
Chalk Talk: How old do you have to be to be considered a young teacher?
Wednesday 03 April 2013
They say 40 is the new 60 as we get to grips with our new ageing population – and the message seems not to have been lost on the National Union of Teachers (NUT).
Government's free schools are opening where they're not needed, teachers say - while primary schools face shortage 'crisis'
Monday 01 April 2013
One in five of the Government's flagship free schools are being opened in areas where there is no need for more school places, new research has revealed.
'Gradgrind' Michael Gove's new curriculum is 'so boring
that truancy will rise,' teachers warn
Sunday 31 March 2013
Bored pupils will play truant from school if Education Secretary Michael Gove goes ahead with his planned new "back to basics" national curriculum, teachers warned today.
Gove's new National Curriculum demands too much, too young
Thursday 28 March 2013
It is not the underperformance of teachers that is harming young people's chances, but broader inequality in society. Mr Gove's proposals are change for the worse
Will Michael Gove's high-stakes final exams put 'girl power' into reverse?
Wednesday 27 March 2013
Education Secretary Michael Gove's exam reforms could discriminate against girls, teachers warned today.
Chalk Talk: How Gove gave headteachers something to cheer about
Thursday 21 March 2013
The London Metropolitan Hotel turned out to be a most appropriate venue for last weekend's annual conference of the Association of School and College Leaders. Appropriate, that is, because just opposite the hotel entrance was a hair salon called "Headmasters" – which led me to wonder whether anyone had dropped into the salon expecting to find the conference. Probably not, though, because they would have had to have been sexist.
Michael Gove has failed to 'engage and excite' teachers over national curriculum plans, headteachers warn
Wednesday 20 March 2013
Education Secretary Michael Gove has failed to "engage and excite" teachers over his plans for a new national curriculum, headteachers warned today.
Decrease in pupils playing truant coincides with rise in parents being fined when children skip class
Tuesday 19 March 2013
A record number of parents faced fines because their children played truant from school last year, official figures reveal today.
Debate: As unions announce walk out, are teachers right to go on strike?
Monday 18 March 2013
Too many headteachers have been sacked because of government pressures and tough inspections, says union leader
Saturday 16 March 2013
ASCL general secretary says this will lead to good teachers opting out of moves to 'challenging' schools
Top civil servant Chris Wormald admits he never told Education Secretary Michael Gove about abusive behaviour allegations against special adviser
Wednesday 13 March 2013
The Education Secretary Michael Gove was never told about allegations of abusive behaviour by one of his senior special advisers, the head of his department admitted today.
Chalk Talk: How to make those history lessons go with a bang
Wednesday 06 March 2013
History, it seems, is a subject where everyone has a view as to how it should be taught in schools – and they all differ.
Yvette Cooper: Our choice is years of Tory rule under Jeremy Corbyn – or a return to a Labour government
Labour leadership contender Jeremy Corbyn says 'we can learn a great deal from Karl Marx'
I am the Jeremy Corbyn supporter that many will tell you doesn't exist
Public anger after French sunbather beaten up by gang for wearing a bikini in Reims park
Labour leadership: New poll shows party is now even 'less electable' than under Ed Miliband
Labour leadership contest: I would never quit the party, says Liz Kendall
- 1 Australia to impose 24-hour curfew on all cats to protect endangered species
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- 3 The difference between a psychopath and a sociopath
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- 5 'Killer robots' with AI must be banned, urge Stephen Hawking, Noam Chomsky and thousands of others in open letter


text:
Closed in 1999, this now-vacant Wal-Mart store once sold thousands of shelf-stable pudding flavors. Mexican day laborers liked to go to this store to buy work boots made in Vietnam, but now there are about a billion wasps living up in the rafters. Hard to imagine just a little over a decade ago a single mom trying to decide which brand of string cheese to buy for her fat kids with names based on variations of Aidan.
The Wal-Mart here was forced to close after the town's chief employer, the factory that made monogrammed cat socks for diabetic cats, closed because it lost its Wal-Mart contract to a factory in a Bangladesh mole people hell hive. The dry, Ohio desert heat has largely preserved the location since its closing in 2001. If you go inside today you can almost hear the sounds of teenage girls surreptitiously asking the pharmacist to double bag their pregnancy tests.
Ariana Grande? No way! Here's a podcast that looks squarely at Ariana Grande and says, 'No way!'
TECHNICALLY A DOG - I have expertly subdivided a horse to create what is, scientifically speaking, a dog. I have done this 10 times before and plan to keep doing it forever!!! $400. 555-2466
League of Legends has 600 characters and 11,000 skills. These are the only ones you need.
The water got bigger? my sand castle was destroyed and we had to move. Who did this?
The SA Goons guide our hero through the pages of a classic but rare Choose Your Own Adventure book!
Featured articles and columns that don't fit anywhere else on Something Awful.
Copyright ©2015 Rich "Lowtax" Kyanka & Something Awful LLC.


text:
- Adam Schefter, NFL
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The Cleveland Browns are expected to announce as early as Monday that they have hired Philadelphia's Tom Heckert as their general manager, league sources tell ESPN.
Heckert, whose father, Tom, worked as a scout for the Browns in the 1980s, could be hired once the Eagles complete their season. They play the Dallas Cowboys in the NFC playoffs Saturday night. Heckert reportedly was going to interview for Seattle's GM job this week but backed out.
Browns president Mike Holmgren interviewed Heckert, who has been a GM since January 2006 with the Eagles, on Wednesday. Holmgren met with Seattle pro personnel director Will Lewis on Friday, but sources say the GM job is Heckert's.
NFL Network reported Friday night that Heckert likely would be announced as the Browns GM on Monday.
It's possible both Lewis and Heckert could wind up in Cleveland's front office.
During his introductory news conference, Holmgren hinted that Cleveland's hierarchy could be revamped.
"We talked about change and some of that is just restructuring," he said. "Sometimes you have five people changing the light bulb. We're going to look at everything and try and streamline things, get good people to do it and work hard."
Adam Schefter is ESPN's NFL Insider. Information from The Associated Press was used in this report.
Munson: Tom Brady has no shot in court
5hLester Munson
Jameis 'back at a good weight' as camp looms
15hPat Yasinskas
Paying the price: An NFL history lesson on punishment
12hESPN Stats & Information
Niners place RB Hyde on non-football injury list
11hPaul Gutierrez
Dolphins re-sign backup QB Josh Freeman
18hJames Walker
Mack cleared as full participant in Browns camp
16hPat McManamon
Rams RB Gurley to begin camp on active roster
14hNick Wagoner
Packers prez: Lambeau rights won't be sold
14hRob Demovsky
Seau family at odds with Hall of Fame over rules
1dEric D. Williams
Cowboys release running back Ryan Williams
18hTodd Archer
Texans' Clowney put on PUP list amid recovery
1dTania Ganguli
Watch: Kids teach J.J. Watt how to Nae Nae
2dTania Ganguli
Sources: Browns to announce Heckert
1/9/2010 - NFL Philadelphia Eagles Cleveland Browns + more


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Woohooo! Finally Got My Related Blog Entries Up And Running
This might seem like am minor thing, but given my severe lack of free time (and concentration on other stuff) it has actually taken me quite a while to finally complete. I have gotten my "Related Blog Entries" feature up and running. This will provide a list of other links of interest at the bottom of a blog entry detail (on detail pages only). Nothing really special going on here, and to be honest, it was kind of hacked together, but it is working and I will refine as time goes on.
Tweet This Thanks my man — you rock the party that rocks the body!
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Oh my chickens, this post is old!


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Main News Page
Friday, April 30, 2010
Michelman Inc. (Cincinnati, Ohio) says its wax emulsion Michem Emulsion 47950 is a sacrificial, antigraffiti coating additive that also provides water repellency and anti-blocking characteristics to coatings for concrete.
The additive is reported to reduce or eliminate susceptibility to damage caused by weather, vehicles, and foot traffic. Recommended applications are coatings for concrete construction, where the product is reported to improve resistance to water, scuff, abrasion, stains, and graffiti. It can be applied to freshly poured concrete to optimize cure and added to "cure and seal" formulations to provided barrier properties, the company says says.
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Peruvian security forces rescued 54 adults and children, mostly members of the Ashaninka indigenous group, who had been held by Shining Path rebels ...
Shining Path news and stories
Copyright 2015 Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
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10 737 Vacation Rentals Worldwide
Prices & rates
Choose between one of our many attractive rates, pay securely online -- and your offer will be published in 20 languages straight away.
12 month period
20 Languages
100 Photos / Property
0 % Commission
No registration fee
99 €
10 €
24 month period
20 Languages
100 Photos / Property
0 % Commission
No registration fee
149 €
15 €
36 month period
20 Languages
100 Photos / Property
0 % Commission
No registration fee
179 €
20 €
Prices & rates seCA+ (-37%)By taking part in our link program you can enjoy cheaper rates.
The package is equivalent to that of our standard rates.
12 month period
20 Languages
100 Photos / Property
0 % Commission
No registration fee
62 €
10 €
24 month period
20 Languages
100 Photos / Property
0 % Commission
No registration fee
94 €
15 €
36 month period
20 Languages
100 Photos / Property
0 % Commission
No registration fee
112 €
20 €
How to Offer My Vacation Property1. Sign up now
Register in one minute with secondcasa as a new supplier in one minute. To Login »
2. Add Properties
3. Pay
Payment Types: Credit card (VISA, Master), EC card,Cheque, PayPal, Money transfer
4. Automatic Publication in 20 Languages
After successful payment, your entry will be automatically translated into 20 languages and can be booked immediately.
German, English, French, Italian, Spanish, russian, Greek, Dutch, Portuguese, Croatian, Turkish, Polish, Czech, Danish, Swedish, Norwegian, Finnish, Bulgarian, Hungarian, Serbian
Overview of Services
How Reservation WorksDirect and Commission-Free
Reservation requests go directly to the e-mail address you indicate without forwarding. A copy of the reservation request is saved in your secondcasa office.
My Office - Manage Information Easily and Securely
With your secure secondcasa office, you can quickly and easily manage all of your information. You can make an appropriate offer to reservation requests by just pressing a button.
We support multiple languages.
With secondcasa you are expanding your target group! If a potential customer speaks another language than you do, he can still send in a reservation request. It will be automatically translated into the language you'd like. You now create the appropriate offer which is then also translated into the language of the potential customer.
Frequently Asked QuestionsCan people find secondcasa with search engines?
Examples (Google-Search Results):
Casa vacanze Toscana privati (Italian): #1 from 1.170.000
Case vacanze Corsica (Italian): #2 from 229.000
Ferienhaus Splitska (German): #1 from 56.100
Ferienhaus Krk privat (German): #4 from 36.000
Ferienhaus Dalmatien privat (German): #1 from 112.000
Ferienhaus Dalmatien (German): #2 from 825.000
Ferienhaus Giannoudi (German): #6 from 41.700
Ferienhaus Poseritz-Puddemin (German): #4 from 115.000
Hyra Hus Rhodos (Swedish): #4 from 23.800
Location Costa del Sol particulier (French): #1 from 96.000
Apartmani Grcka (Croatian): #3 from 334.000
Marseille Vacation rentals (English): #20 from 500.000
Vakantiewoning van particulier Oostenrijk (Dutch): #1 from 107.000
How many photos can I add?
You can add as many photos as you like. However, we recommend a maximum of 10 photos.
I have more than 5 properties - do I get a special rate?
If you have more than 5 properties and you like to offer them at secondcasa, we request that you contact us directly.
France HouseEtoile de Provence
House Lacoste
Egypt ApartmentEsplanada
Apartment Hurghada - centrum
Italy ApartmentSBARCADERO very central
Apartment siracusa
USA HouseLudwig Strasse
House Bartlett, NH
Ireland HouseAanson www.aanson.com
House Killarney
Spain HouseVilla Blanca, 8 pers
House Calonge
France Gite-Holiday HouseGîte écologique 8 p
Gite-Holiday House VILLARZEL DU RAZES
Indonesia HouseVilla Lumba Lumba
House Buleleng, Bali
France Gite-Holiday HouseGrand Gite
Gite-Holiday House La cavalerie
Italy HouseCasa Elisa
House Banzena
France HouseLes Marronniers
House Saint Félix de Reilhac
Hungary Apartmentappartamento AIDA
Apartment BUDAPEST
Germany ApartmentLandhaus Anita Ferienwh
Apartment Bad Birnbach
Morocco HouseVilla RiadBleu-Zriga
House Marrakech
Italy HouseHome Galilei
House Avola
Spain ApartmentApartment Alcalde 14
Apartment Puerto de Mogan
Spain HouseVILLA AVEC PISCINE
House DENIA
Croatia ApartmentAppartman B
Apartment ROGOZNICA
Italy ApartmentAppartamento in Residenc
Apartment San Nicola Arcella


text:
El Matador
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this condo rated in the past?
- Tennis Court
- Meeting rooms/conference facilities
- Non-smoking hotel
- Outdoor pool
- Refrigerator in room
- Hot tub
Travelers also recommend:
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TripAdvisor Reviews El Matador Fort Walton Beach
Travel Blogs from Fort Walton Beach
The LONG drive!
We set out on our adventure at 5:45 am - only 45 behind schedule! We were making good time until we got just outside Slidell, LA where somebody got the brilliant idea to shut down a lane of the freeway for a minor repair without a plan to reroute the traffic. 2 hours and 15 minutes to travel 12 miles later and our ETA is now 12:15AM - ugh! Luckily ...
... everyone else went for shrimp of some kind, while I took ribs (when in the states, you gotta right?). They were melt in the mouth, sweet and sticky, everything ribs should be. But the cocktails were the coolest, big personal pitchers called 'tubes' of frozen easy to drink but potent goodness! All in all Leah seemed to have a good birthday! On our final day I got up early to go fishing with Tim. I'd never been fishing before (I know, criminal for ...
Last day at topsail
We have really enjoyed topsail hill, pretty centrally located, bike riding and mostly private beach access. Plus lakes, kayak and canoe rentals, tall pines to camp under and great staff. Today is red and purple flag day again so no beach. Hit the pool, did some bike riding ...
... some real estate options too... 1 bedroom 2 bath for $1,450,000. Think retirement here is a total option. Hahahaha. Unless we win powerball. Not likely as we never play. Oh well. Trying to get the kids to understand we are all here to have fun and we can't have fun until the work is done and they need to help. And offer to help. And not complain. It's been a really *********** and slow to learn. Only have 40 more ...
Lazy day
Another lazy day, rained all morning which made for great sleeping in time! Pinterest donuts were a HUGE hit. Released the hermit crabs we found yesterday. Ride the waves at the beach with our Walmart purchased knee boards, buried the kids but ...


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Systems Engineer - Software Developer
Colombia - Last active: 22 hours ago - Tests: 5 - Portfolio: 1
Software developer with 5+ years of experience in analysis, design and development web aplications. Expert in developing web applications, windows services and web services in Microsoft Visual Studio 2012 using C# .Net, Framework 4.5 and SQL Server. - Proficient in Web Services, SOAP, XML, XSL, XSLT, CSS, HTML, AJAX and JavaScript. - Extensive experience in SQL Server Database design, Database maintenance, developing Transact-SQL Statements, stored procedures, using SQL Server 2008. - Experience using MS SQL Server Integration Services (SSIS) - Solid experience with Application Servers / Web containers such as: JBoss - - Server, Glassfish Server, IBM WAS, Apache Tomcat and Jetty. - Experience with Unix-like (Linux, UNIX, Solaris and AIX-IBM) and Windows-x. - Good working knowledge in UML, Design Patterns, MVC (Model-View Controller), Web-Services. - SOAP, XML, XSD and WSDL - Functional domain experience involves logistic, transport, import and export merchandise.
Computer Engineer
Venezuela - Last active: 8 days ago - Tests: 3
Productive and efficient System Administrator and IT Manager with experience in server administration, networking, and programming. Demonstrable work experience with Linux and MS Server administration, OSX, virtualization, VOIP, Firewalls, VPNs. Excellent verbal and written communication skills in English, Spanish and German.
Bilingual Customer Service / Translation English-Spanish
Costa Rica - Last active: 25 days ago - Tests: 7
Since always the customer service has been really attractive to me, I enjoy seeing people happy when I help them with their issues. My goal is to improve myself everyday and give my best in every job. I'm a proactive, easy learning and good working under pressure kind of person.
SAP ABAP / Wordpress / Android
Honduras - Last active: 14 days ago - Tests: 6 - Portfolio: 9
Wordpress Experience: * Responsive layouts * PayPal Integration * Membership Options Page * Forums and Blogs * Subscribers list with Chimp Mail * Google and Bing search optimization General Experience * Mobile Developer for Android - Eclipse IDE * Cocos2dx C++ * Flash Professional CC * Adobe Photoshop, Illustrator and Dreamweaver. * JAVA, HTML and XML * Wordpress * 6 Years of experience with SAP-ABAP and WebDynpro. * Software requirements analysis. (Meetings with clients to discuss software needs). * Create video tutorials on YouTube. * Video Production Tools such as: Camstudio, VirtualDub, Audacity and Handbrake * English-Spanish Translation and Interpretation. SAP Experience * Experience developing custom programs for SAP modules(EH&S, SD, MM, HCM,FI-CO, PS,QM) * Developed a custom Web Dynpro application based on a standard SAP transaction. (CBIH02). * Experience with SAP Interactive Adobe Forms. * Experience with ALV reports, Module Pool, Function Modules, SHDB, Smartforms. * Knowledge of SAP BASIS. (User creation, roles, permissions, Service configuration, ADS configuration, Transport requests)
Information Services
Guatemala - Last active: 1 month ago - Tests: 6 - Portfolio: 3
10+ years of experience on IT Services. Specialties: Networking (Cisco), Programming (PHP, ASP.NET), Database administration (SQL Server 2000+, MySQL) Server architecture (Windows Server 2003+) SAP R/3, PBX administration (Alcatel OXO), Mobile device administration and support (Blackberry, Android).
Virtual Assistance and Translations
Argentina - Last active: 22 hours ago - Tests: 7 - Portfolio: 8
I'm an experienced multilingual Virtual Assistant based in Argentina, but I've lived in Italy for a long time. Now I run my own business of virtual assistance and I help international clients to succeed in their projects from very diverse industries. I've worked on a variety of different projects mostly requiring project management and communication abilities. Projects: translations, marketing communication, web writing, web design, community management, online researches, team lead. Public Relations and Advertising degree from the IULM University of Milan. Languages: -Spanish -Italian -English Skills -Project Managment -Translation skills :English-Italian / English - Spanish / Italian - Spanish / Spanish - Italian -Web design -Web Communication & Marketing (Adwords, Facebook Ads) -E-learning Expert, Teacher Programs: - Ms Office (Powerpoint, Excell, Word) - Google Hangouts, Webmeeting - Webdesign (Wordpress) - Photoshop - Wordpress
QA Software Engineer French, Spanish and English. Project Management.
Morocco - Last active: 22 hours ago - Tests: 11 - Portfolio: 1
I have a Bachelor degree in Science Management from the IIHEM "International Institute for Higher Education In Morocco". I am fluent in French, English and Spanish (Selectividad obtained and 3 years of civil engineering accomplished in Madrid Spain). I am also specialized in the following areas: - Customer Support Level 1 and Level 2 in the above languages I master. - I implement ITIL techniques in my customer service duties - Quality assurance (Writing test cases, executing tests and Reporting bugs) - Project Management (websites creation) - French / English Translation. - Administering ZenCart - Administering Wordpress - Administering Windows - Customer Support. - Social Media Marketing (Facebook, Twitter, Linkedin) - Data Entry and Web Research. - Keyword research and Analysis. Satisfying customer and providing quality work while respecting time and deadlines are my main concerns. Those are my main work and projects I have done in the past 10 years: -> Technical Support Consultant - DEVOTEAM GROUP (SSII) • Give solutions to different issues using ITSM to different customers (British Petroleum, Atos, Fujitsu...etc) • Analyze and solve complex incidents • Explore all the possibilities to solve the errors, look for the necessary information from DEVOTEAM's R&D • Consult the R&D, production, quality, marketing, sales then collect all the information to improve the product quality and customer satisfaction. -> Technical Support Consultant - Percall development (SSII) • Provide assistance to PTC Worldwide customers • Install ERP's products (PDMLink, ProductPoint, Pro / Engineer) -> SOFTWARE TEST MANAGER. DEVOTEAM GROUP (SSII) Projects: Parad / HR IT / Karma • Establish and review the test strategy of the project • Management of the functional tests. • Estimating the costs and scheduling the tests • Conduct the test project • Manage the budget and the schedule • Monitor, control, implementation and run the tests • Organize and conduct the project reviews then determine whether the objectives have been achieved • Assess the quality of the product and close the test operations • Team Manager: respecting the commitments (cost, time, quality) • Coordinate relations with stakeholders • Design strategies and test documents using Excel, Quality Center and QTP • Scheduling the batch's processing and scheduling the Scenarios. • Control the functional tests. • Scheduling & respecting the commitments (Deadline and workload) • Bugs Synthesis, Reporting then giving the "Go" for the production to start. • Creating test cases (TTRM) steps (DTC) and execution of tests. • Establishment and reporting the progress (Excel, MS Project) I am actually working in Upwork as a Client Service associate with Digimac USA, so I am in charge of looking for any infringements in the web using some Digimarc tools and doing also some web research. I have more than 6000 hours working with customers in Upwork and a very good feedback.
Design & Programming
Mexico - Last active: 1 month ago - Tests: 11 - Portfolio: 41
I'm the head of Cloud Sailors, a web design and development firm. My team and I have created numerous great looking websites. Having developed a variety of PHP/MySQL based websites, we can help you get your website started. We are Wordpress and Prestashop rockstars! But hey, I'll stop writing and let my portfolio do the talking.
I am here to make things easier for you.
Spain - Last active: 1 day ago - Tests: 14
* Spanish content writer: article, marketing material, commercial letters, etc., especially for forums, social media and blogs. * Translate english to spanish documents, powerpoint presentations, urls, contact me..and I ll show u how I translate. * Virtual assistance: any administrative task like replying mails, internet search, etc. * Customer service specialist. If you really care about your customers, I am the one to help you to communicate with them. * Data entry,
- Microsoft Word
- Microsoft Excel
- WordPress
- Data Entry
- Administrative Support
- Translation English Spanish
- Customer service
- Blog Writing
- Word processing
- Article Writing
Native Spanish English Translator Delphi PHP Yii MySQL Programmer
Venezuela - Last active: 22 hours ago - Tests: 5 - Portfolio: 1
Hello, my name is Pedro Arrioja from Venezuela, My first language is Spanish and I'm speaking/reading/writing english for about 25 years now. I'm a fast skilled English-Spanish-English translator. You won't be dissapointed. I'm an IT Professional (University) and postgrade studies, (System Engineer, with 14 years of experience in web programming and software development), so technical translation won't be a problem. I have experience with HTML/PHP/MySQL/AJAX/Yii/PradoFramework, also Delphi and Paradox. Highly skilled Office Software: Microsoft Office, and OpenOffice.I'm also highly skilled with both Windows and GNU/Linux Operating Systems.
- Translation
- Translation English Spanish
- Translation Spanish English
- Transcription
- Linux System Administration
- Systems Development
Groups: SocialEngine


text:
Opening times for Virginia
Location map of Virginia
Underground Stations
Railway Stations
Car Parks
What's On Today
Near Virginia
Opera Holland Park: Lakme by Leo Delibes
Concerts | Until 31st July 2015
Holland Park Theatre 13 minutes walk from Virginia
Delibes's three-act opera, best known for it's flower duet, features Fflur Wyn as the title character and Robert ...More
Alice's Adventures in Wonderland by Will Todd
Concerts | Until 1st August 2015
Holland Park Theatre 13 minutes walk from Virginia
The City of London Sinfonia accompany an opera adaptation of Lewis Carroll's classic children's story, featuring Fflur Wyn as the ...More
Opera Holland Park
Concerts | Until 1st August 2015
Holland Park Theatre 13 minutes walk from Virginia
The annual Holland Park Opera is a highlight of summer in London, when the ...More
The Invisible
Theatre | Until 15th August 2015
Bush Theatre 14 minutes walk from Virginia
Rebecca Lenkiewicz tackles the fraught topic of David Cameron's government's reforms to legal aid. The Invisible tells the story of ...More
Raed Yassin: Kissing Amnesia
Exhibitions | Until 2nd August 2015
Leighton House Museum 16 minutes walk from Virginia
Artist Raed Yassin, an influential figure on the Lebanese experimental music scene, shows his work, Kissing Amnesia, ...More
Commedia Dell'Arte Workshop
Exhibitions | On 29th July 2015
Babylon at the Roof Gardens 19 minutes walk from Virginia
A theatre workshop of devising and playing. With insults flying from old friends to would-be foes, letters of love, tricks ...More
Jess Robinson: The Rise Of Mighty Voice
Comedy | Until 29th July 2015
Canal Cafe Theatre 1.34 miles from Virginia
Bugsy Malone
Theatre | Until 5th September 2015
Lyric Hammersmith 1.37 miles from Virginia
With Sir Alan Parker giving rare permission for a professional production of his world famous musical Bugsy Malone, this ...More
Prom 15: Prokofiev, Qigang Chen & Rachmaninov
Concerts | On 29th July 2015
Royal Albert Hall 1.5 miles from Virginia
The programme features Prokofiev's Symphony No 1 in D major, Classical 15, Qigang Chen's Iris devoilee 42 and Rachmaninov's symphony ...More
Prom 16: Late Night With BBC Radio 1
Concerts | On 29th July 2015
Royal Albert Hall 1.5 miles from Virginia
Swapping Ibiza for London, veteran British DJ Pete Tong presents a line-up of live artists, including Jess Glynne, to perform ...More
London Hotels
From cheap budget places to stay to luxury 5 star suites see our discounts for Virginia hotels, including Langham Hotel London from 42% off.