text:
|By PR Newswire
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|December 14, 2012 07:01 AM EST
MONTREAL, Dec. 14, 2012 /CNW/ - (TSXV: BLF) Capital BLF Inc. (the "Corporation"), announced that a series of transactions forming part of a reorganization of the management of its assets and properties were completed today ("Reorganization").
Changes to Senior Management and the Board of Directors
Mathieu Duguay was appointed the new President and CEO and member of the Board (Frank Dottori resigned as a director). As a consequence, Claude Blanchet resigned as President and CEO and was appointed Chairman of the Board (Pierre Laflamme resigned as Chairman but will remain a director). Daniel Blanchette was appointed the new CFO and member of the Board (Pierre L. Martel resigned as CFO and a director and was appointed Vice-President, Finance). Marc Marois resigned as Chief of Operations, was appointed Vice-President, Investment and Asset Management and will remain as a director.
New Directors and Executive Officers of the Corporation
Mathieu Duguay - President and Chief Executive Officer and Director
Mathieu Duguay is Cogir's Executive Vice-President and 50% partner. Mr. Duguay has acquired over 15 years of experience working with Cogir. Over the years, Mr. Duguay has gained extensive knowledge and expertise of the real estate industry, including in respect of property and asset management, acquisition, development and financing activities.
Claude Blanchet - Chairman of the Board and Director
Claude Blanchet has more than 30 years of experience in the residential and commercial real estate industry. He was President, CEO and Vice President of the Board of Ashton Hill Financial Inc. (TSX-V:AHF-VN), Chairman of the Board and CEO of Société Générale de Financement du Québec and President and CEO of Fonds de Solidarité des Travailleurs du Québec (F.T.Q.). During his career, Mr. Blanchet is or was a director of various public and private companies, including Dacha Capital Inc. (TSX:DAC), Saputo Inc. (TSX:SAP), Cascades Inc. (TSX:CAS) and Domtar Inc. (TSX:DTC).
Daniel Blanchette - Chief Financial Officer and Director
Daniel Blanchette, CFA, received a Masters in Finance from the University of Sherbrooke. He started his career in real estate in 2000 working for a subsidiary of the Caisse de dépôt et placement du Québec. Since 2000, Mr. Blanchette has assisted and advised several private companies and other institutions on a wide range of real estate assets and transactions both in Canada and internationally, including acquisitions of real estate properties and portfolios, acquisitions of public and private companies, structured finance, real estate development, performance and risk analysis and several feasibility studies.
Marc Marois - Vice-President, Investment and Asset Management and Director
Marc Marois has more than 15 years of experience in the real estate business as an owner and a knowledgeable manager. Over the years, he has built a portfolio composed of multi-residential and commercial properties in the greater metropolitan area of Québec City. He operates a property management company which provides services to investors in relation to property acquisitions, investment opportunities' assessment, strategic planning for value creation, financing, property management and conversion of rental properties into condominiums. Marc was previously the Chief of Operations of the Corporation overseeing acquisitions of multi-residential properties in the Province of Québec.
Reorganization of Asset and Property Management
The other steps of the Reorganization that were completed today include, among others, the replacement of Multigest Management Inc. ("Multigest") (a corporation controlled by Claude Blanchet, Marc Marois and Pierre L. Martel), by First Investor, L.P. ("First Investor") (a limited partnership controlled by Mathieu Duguay, Marc Marois and Claude Blanchet) as the Corporation's new asset and property manager, the entering into by the Corporation of a new conditional asset management agreement with First Investor (the "New Asset Management Agreement") and a new conditional property management agreement (the "New Property Management Agreement") with Société de gestion Cogir s.e.n.c. ("Cogir") .
Multigest assigned today its current asset and property management agreements with the Corporation (the "Multigest Management Agreements") to First Investor and the Multigest Management Agreements were amended to provide for, among other things, the new management team for the Corporation as further described above. Upon closing of the next equity financing of the Corporation raising at least $5,000,000 in gross proceeds (the "Next Equity Financing") (provided it occurs within the next two years), the Multigest Management Agreements will be automatically terminated.
In addition, the property management agreement between Gestion Marc Marois Inc. ("Gestion Marois") and the Corporation (the "Gestion Marois Agreement") was assigned by the Corporation to First Investor and Gestion Marois was appointed by First Investor as a property manager of the current and future properties of the Corporation located in the greater metropolitan area of Québec City. Upon closing of the Next Equity Financing (provided such closing occurs within the next two years), the Gestion Marois Agreement will be automatically assigned by First Investor to Cogir.
The Corporation and First Investor also entered into the New Asset Management Agreement. The New Asset Management Agreement will only come into force and be effective if and when the Next Equity Financing closes (provided such closing occurs within the next two years). Under the New Asset Management Agreement, First Investor will be acting only as the asset manager of the Corporation. The terms and conditions of the New Asset Management Agreement are further described below.
The Corporation and Cogir entered into the New Property Management Agreement which will only come into force and be effective if and when the Next Equity Financing closes (provided such closing occurs within the next two years). Under the New Property Management Agreement, Cogir will be acting as the property manager of the properties of the Corporation. The terms and conditions of the New Property Management Agreement are further described below.
Under a non-competition agreement (the "Non-Competition Agreement") entered into today by the Corporation with Cogir, Société Immobilière SYM Inc. ("SYM"), Mathieu Duguay, Daniel Blanchette, Claude Blanchet and Marc Marois and certain of the affiliates of Claude Blanchet and Marc Marois (collectively, the "Restricted Parties"), the Restricted Parties have agreed, subject to certain exceptions, not to compete with the Corporation within Canada and not to solicit its tenants. The terms and conditions of the Non-Competition Agreement are further described below.
Acquisition of Common Shares by SYM
In parallel to the Reorganization, SYM, a wholly-owned corporation of Mathieu Duguay, acquired today an aggregate of 5,960,000 common shares of the issued and outstanding common shares of the Corporation pursuant to two private transactions. SYM acquired 1,542,510 common shares from M. Claude Blanchet and 4,417,490 common shares from Fonds immobilier de solidarité FTQ II, s.e.c. ("FIS"). The common shares sold by Claude Blanchet and FIS represented a proportion equal to approximately 41% of their respective pre-transaction common share holdings. As a result of these acquisitions, FIS, SYM and Claude Blanchet now own, respectively, approximately 20.56% (down from 35.4%), 19.96% (up from 0%) and 7.18% (down from 12.3%) of the issued and outstanding common shares of the Corporation.
Financing Undertakings of Mathieu Duguay and SYM
Mathieu Duguay and SYM both have confirmed that they would participate in the Next Equity Financing (provided closing of such equity financing occurs within the next two years). They also confirmed they would provide mezzanine financing of up to $5,000,000 to the Corporation if and when it could be required for the growth of the Corporation's portfolio of properties on reasonable commercial terms that are not less advantageous to the issuer than if such financing were obtained from a person dealing at arm's length. Any such mezzanine financing from Mathieu Duguay or SYM would not include any equity component.
Capital BLF Inc.
The principal business of the Corporation is acquiring, holding, developing, maintaining, improving, leasing, managing or otherwise dealing with income-producing multi-unit residential properties located throughout Canada and in such other jurisdictions, from time to time. The Corporation currently owns nine properties in Montréal, Dorval and Québec City.
Société de gestion COGIR s.e.n.c.
Cogir has approximately 2,500 employees. The partnership manages more than 100 properties located in Québec, Ontario and Nova Scotia. At the residential level, Cogir manages more than 15,000 apartment units, including senior citizen residences located in Québec and Ontario. Cogir also manages more than 8 million square feet of commercial, industrial and office real estate properties. Cogir is a general partnership controlled by Mathieu Duguay and another private partner.
About the New Asset Management Agreement
If and when the New Asset Management Agreement becomes effective, First Investor will manage and supervise the asset management operations of the Corporation and its affiliates under the New Asset Management Agreement. First Investor will initially provide the services of Claude Blanchet, as chairman of the Board of the Corporation, Mathieu Duguay, as President and CEO of the Corporation, Daniel Blanchette, as CFO of the Corporation and Marc Marois, as Vice-President, Investment and Asset Management of the Corporation, each in a policy-making function typical of persons acting in such positions. First Investor may also provide alternative or additional personnel to serve as management of the Corporation and its affiliates, subject to the approval of the independent directors of the Corporation.
First Investor will also provide the Corporation and its affiliates with comprehensive advisory, asset management and administrative services, as applicable, including but not limited to the following: (i) advising the directors of the Corporation and making recommendations on strategic matters, (ii) identifying, evaluating, recommending and assisting in the structuring of transactions and investment opportunities, (iii) analyzing and assisting in the prospective purchases and sale of properties, (iv) making recommendations concerning the raising of funds, (v) arranging for the financing, refinancing or restructuring of the properties, (vi) monitoring income and investments, (vii) preparing all reports reasonably requested, (viii) preparing business plans, implementing such plans and monitoring financial performance, (ix) advising and assisting with investor relations strategies and activities and * maintaining the books and financial records of the properties and submitting all necessary income tax returns.
In connection with the services to be provided by First Investor under the New Asset Management Agreement, the following amounts will be paid to First Investor, in cash: (a) a base annual management fee calculated and payable on a monthly basis in arrears on the first day of each month equal to the sum of (i) 0.35% of the historical purchase price of the properties; and (ii) the cost of any capital expenditures incurred by the Corporation or its affiliates in respect of those properties as of the date of the New Asset Management Agreement; (b) an incentive fee payable by the Corporation for each fiscal year equal to 15% of the Corporation's FFO Per Share (as such term is defined in the New Asset Management Agreement) in excess of the FFO (as such term is defined in the New Asset Management Agreement) determined prudently by the independent directors on or about the effective time or as soon as possible thereafter on the basis, among other things, of the latest annual budget approved by the independent directors, as adjusted yearly on the basis of 50% of the increase in the weighted average consumer price index; (c) a capital expenditure and development fee equal to an amount to be negotiated by First Investor and the Corporation from time to time in relation to significant capital expenditures, construction or development projects of the Corporation, which fee is not to exceed the fair market value for comparable services; and (d) an acquisition fee equal to 0.75% of the purchase price by the Corporation or any of its affiliates for the purchase of a property and payable upon closing of the acquisition.
Unless terminated in accordance with its terms, the New Asset Management Agreement will remain in force for an initial term of ten years from the date it becomes effective and will be renewable for three additional terms of five years each. At least sixteen months prior to the end of the initial term and each renewal term, the Corporation, in consultation with its independent directors, shall review the performance by First Investor of its duties. If the independent directors determine that First Investor has not been meeting its obligations, they may resolve to submit to a vote of shareholders the termination of the New Asset Management Agreement at the end of the initial term or renewal term and if it is approved by at least a simple majority of the votes cast by the shareholders, the Corporation will have the right to terminate the New Asset Management Agreement by providing First Investor with at least twelve months' prior written notice.
From and after the completion of the fiscal year in which the Corporation reached a market capitalization of $500,000,000, in the event a party unrelated to, and that is not an affiliate of the Corporation, acquires directly or indirectly, (i) the beneficial ownership of, or Control or direction over, more than 66⅔ % of the Shares or (ii) all or substantially all of the properties of the Corporation, then, in either case, the Corporation shall have the right to terminate this Agreement, at its sole discretion, effective immediately prior to or at the same time as the consummation of such transaction by paying First Investor a termination fee equal to the incentive fee as if all the properties of the Corporation had been sold on the date of the consummation of the transaction or the series of transactions plus a payment of three years' asset management fees based on the highest total fees payable in any of the three completed fiscal years immediately preceding the fiscal year in which the transaction or series of connected transactions falls.
The preceding description is qualified in its entirety by reference to the full text of the New Asset Management Agreement which will be made available on SEDAR at www.sedar.com.
About the New Property Management Agreement
If and when the New Property Management Agreement becomes effective, Cogir will manage and supervise the day-to-day operations and management (including leasing) of all aspects of the Corporation's properties and shall provide the Corporation with all services necessary and incidental in respect of the economic and efficient operation of those properties. Among other things, Cogir will: (a) develop and implement plans concerning the moving into the properties and moving out of the properties of all tenants and supervise the same so as to minimize disturbance to the operations; (b) supervise the establishment and maintenance of a suitable scheme of liaison between each of the tenants and the Corporation; (c) be responsible for giving all notices required to be remitted to tenants; (d) collect in trust all rent and additional charges and other amounts from time to time payable by the tenants in respect of their leases, including additional rent, security deposits, incidental charges and real estate taxes; (e) establish and maintain suitable records and systems to manage all billings to tenants; (f) with the prior written approval of the Corporation, commence, prosecute and defend, as appropriate, any action and proceedings to take any legal action which are necessary and available by law; (g) select the accountants, lawyers and other professionals necessary or appropriate to be retained in connection with the operation of the properties; (h) ensure compliance by the Corporation and the tenants with all of the terms and conditions of all restrictions, agreements and obligations entered into or imposed upon the Corporation; (i) at the expenses of the Corporation, pay all carrying charges and other expenses relating to the operation of the properties in a timely manner; (j) maintain at all times the books and records, and prepare the reports and budgets; (l) prepare operating and preventative maintenance schedules; (m) supervise and direct the making of all repairs to the properties and alterations and redecoration which may become necessary or desirable; (n) arrange for and supervise adequate and appropriate security for the protection of the properties; and (o) use its best efforts to obtain tenants to lease premises in the properties.
In connection with the services to be provided by Cogir under the New Property Management Agreement if and when it becomes effective, the following amounts will be paid to Cogir: (a) a property management fee equal to 4% of the Corporation's gross operating revenue per year payable in monthly instalments or such lower percentage thereof as agreed from time to time between the Corporation and Cogir; (b) for the retail and office portions of any property, a leasing fee based on, among other things, the type of lease and the size of the premises; (c) a capital expense supervision fee amounting to a variable percentage of the cost of the work in accordance with the amount of capital work to be performed; and (d) a bad debt recovery fee equal to 40% of the total amount of any bad debt recovered by Cogir for tenants that vacated their unit without paying rent.
Unless terminated in accordance with its terms, the New Property Management Agreement shall remain in effect for a term of ten years and will be renewable for three additional terms of five years each. At least sixteen months prior to the end of the initial term and each renewal term, the Corporation, in consultation with its independent directors, shall review the performance by Cogir of its duties. If the independent directors determine that Cogir has not been meeting its obligations, they may resolve to submit to a shareholders vote the termination of the New Property Management Agreement at the end of the initial term or renewal term and if it is approved by at least a simple majority of the votes cast by the shareholders, the Corporation will have the right to terminate the New Property Management Agreement by providing Cogir with at least twelve months' prior written notice. If the New Asset Management Agreement is terminated in accordance with its terms, the Corporation will have the right to terminate the New Property Management Agreement by giving a six months' prior written notice.
From and after the completion of the fiscal year in which the Corporation reached a market capitalization of $500,000,000, in the event a party unrelated to, and that is not an affiliate of the Corporation, acquires directly or indirectly, (i) the beneficial ownership of, or Control or direction over, more than 66⅔ % of the Shares or (ii) all or substantially all of the properties of the Corporation, then, in either case, the Corporation will have the right to terminate the New Property Management Agreement, at its sole discretion, effective immediately prior to or at the same time as the consummation of such transaction by paying Cogir a termination fee equal to a payment of three years' property management fees based on the highest total fees payable in any of the three completed fiscal years immediately preceding the fiscal year in which the transaction or series of connected transactions falls.
The preceding description is qualified in its entirety by reference to the full text of the New Property Management Agreement which will be made available on SEDAR at www.sedar.com.
About the Non-Competition Agreement
The Corporation entered into the Non-Competition Agreement with the Restricted Parties whereby the Restricted Parties agreed that, subject to certain exceptions set forth in the Non-Competition Agreement (such as senior citizen residences in the case of (a), (b) or (c) described below), he or it will not, directly or indirectly: (a) create, promote, take part in, invest in, have ownership interest in or lend money to guarantee the obligations of, any publicly-held investment vehicle listed on an exchange in North-America which primarily invests in multi-unit residential properties; (b) acquire, invest or have ownership interest in (i) multi-unit residential properties or (ii) any person or entity who (A) primarily owns or controls multi-unit residential properties, (B) primarily has financial or other direct economic interests in or in respect of * multi-unit residential properties or (y) any person or entity who primarily owns or controls multi-unit residential properties; (c) permit the use of the name(s) of any or all of the Restricted Parties in respect of the foregoing; (d) encourage any person who is an employee, representative, entrepreneur, consultant, client, manager, supplier or agent of the Corporation or its affiliates with respect to the foregoing, to (i) leave their respective positions with the Corporation or its affiliates, (ii) cease providing the Corporation with their services; or (iii) otherwise terminate all affiliations with the Corporation or its affiliates; (e) solicit any specific tenant to vacate or not renew their lease with respect to any multi-unit residential property owned, directly or indirectly, by the Corporation or an affiliate of the Corporation in favour of a multi-unit residential property in which any of the Restricted Parties has an ownership or operating interest during the occupancy of such tenant at such property of the Corporation or an affiliate of the Corporation; and (f) preferentially market or lease space in any multi-unit residential property in which any of the Restricted Parties has an ownership or operating interest that is not an multi-unit residential property of the Corporation or an affiliate of the Corporation, over space in any multi-unit residential property of the Corporation.
In addition, the Corporation has a right of first refusal to acquire multi-unit residential properties, if at any time a Restricted Party wishes to make an investment, either directly or indirectly, in a multi-unit residential property. The Corporation will, subject to certain exceptions, have the right of first opportunity, which must be exercised within certain pre-defined time periods set out in the Non-Competition Agreement, to deliver a notice advising such Restricted Party whether it is interested in pursuing such investment. If, within the applicable time period, a majority of independent directors vote against the Corporation electing to pursue an investment opportunity, the applicable Restricted Party will be free to acquire or invest in such property.
The restrictions remain in force in respect of each Restricted Party for a different period which is generally aligned with their involvement in the Corporation, Cogir and First Investor.
The preceding description is qualified in its entirety by reference to the full text of the Non-Competition Agreement which will be made available on SEDAR at www.sedar.com.
Forward-Looking Information
This press release contains forward-looking statements. Often, but not always, forward-looking statements can be identified by the use of words such as "plans", "expects" or "does not expect", "is expected", "estimates", "intends", "anticipates" or "does not anticipate", or "believes", or variations of such words and phrases or state that certain actions, events or results "may", "could", "would", "might" or "will" be taken, occur or be achieved. Forward-looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Corporation to be materially different from any future results, performance or achievements expressed or implied by the forward-looking statements. Examples of such statements include the intention to complete an equity financing within the next two years. Accordingly, readers should not place undue reliance on forward looking statements. The factors identified above are not intended to represent a complete list of the factors that could affect the Corporation.
There can be no assurance that an equity financing will be completed at all. Investors are cautioned that any information released or received with respect to such transactions may not be accurate or complete and should not be relied upon.
The TSXV has in no way passed upon the merits of the proposed transaction and has neither approved nor disapproved the contents of this press release.
Neither the TSXV nor its Regulation Services Provider (as that term is defined in policies of the TSXV) accepts responsibility for the adequacy or accuracy of this release.
The assignment agreements for the Multigest Management Agreements and
the Gestion Marois Agreement, the New Asset Management Agreement and
the New Property Management Agreement will also be available on SEDAR
at www.sedar.com.
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text:
People gather at the site of a car bomb attack in Tikrit, 150 km (93 miles) north of Baghdad, February 22, 2014. (REUTERS/Bakr al-Azzawi)
Daesh car bomb kills at least 120 in Baghdad
Nearly 120 killed in overnight Baghdad bombings claimed by IS
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Daesh car bomb kills at least 120 in Baghdad
Nearly 120 killed in overnight Baghdad bombings claimed by IS

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International Rolex Regatta 2013 - Tactical racing on Day 1
by Carol Bareuther on 24 Mar 2013
International Rolex Regatta 2013 Rolex/ St Thomas Yacht Club/ Ingrid Abery
International Rolex Regatta 2013. Breezes barely blowing 10 knots added an extra tactical twist to the first day of racing. Sixty-three boats – all but the nine-boat one-design Melges 32 class that sailed its own course in Pillsbury Sound – took their start at 11 a.m. with sunny skies and calm seas for a race downwind into the Charlotte Amalie Harbor. Once there, the fleet beat back upwind to the finish off the island's southeast coast where cold drinks, live music and plenty of camaraderie awaited at the host St. Thomas Yacht Club.
The sun set with Miami, Florida's Rick Wesslund's J/120, El Ocaso, leading the pack in CSA Racing 1 with a perfect score of two bullets. Like ducks in a row, Puerto Rico's Sergio Sagramoso's J/122, Lazy Dog, trailed with a pair of seconds while Marion, Massachusetts' Jack Desmond's Swan 56, White Rhino, ended with a duo of thirds. Northern Child, a race-charter Swan 51 based out of the UK that competes in seven Caribbean regattas during the winter-spring season, followed with a couple of fourths. 'She's a heavy old girl that doesn't do well in light winds,' says skipper Christian Reynolds, of Northern Child. 'Unless we have 25 knots and heavy seas, we don't really have a chance of winning. Still we had a lot of fun and the weather was beautiful. Many of our crew are from New York and glad to be out of the cold and snow.'
In CSA Racing 2, St. Croix's Robert Armstrong's J/100, Bad Girl, proved she was good enough to the lead the class. The BVI's Kevin Rowlette's Olson 30, Rushin Rowlette, and Puerto Rico's Jonathan Lipuscek's J/105, Dark Star, are tied for second one point behind Bad Girl. While St. Thomas' Marston Winkles' J/30, Comfortably Numb, wasn't at the top of the leaderboard, Winkles and his crew certainly enjoyed an exciting day. 'Our finish in the harbor was quite entertaining,' he explains. 'The IRC class was starting, crowding the favored side, just as we were finishing on the same side of the line. There were a lot of near misses, but thankfully no accidents.'
Winkles story is even more thrilling if you consider that the five boats in the IRC class range from a 52- to an 80-footer, or nearly twice to three times the size of most vessels in CSA Racing 2. The UK's Jeremy Pilkington's Baltic 78, Lupa of London, is leading the class with two first place finishes.
Three Harkoms, an Oceanis 440, is in a three-way tie for first in the CSA Non-Spinnaker class with Puerto Rico's Jerome O'Neill's J/39, Crystal, and Campton, New Hampshire's Thomas Mullen's J/95, Shamrock VII. St. Thomas' Chris Thompson, who is skippering Three Harkoms, tells, 'We had a bad start in the first race, but we won the start in the second race. We're sailing a heavily modified boat that goes very well to weather. That helped us to beat the boats that give us time and moved us into the money. It's very close.'
Competition was so close in the one-design Melges 32 class you could almost hear the squeaks as some finishes were less than a boat length after an hour's race on a double windward-leeward course. Leading the pack is 21-year-old Great Lakes sailor, Dalton DeVos, at the helm of Delta. 'Every boat in this class in capable of winning,' explains two-time Olympic sailor and gold medalist, Jonathan McKee, who is calling tactics on Delta. 'It's all about who gets hot on a certain day. We got the breaks today and we were lucky we got the good moves. The Melges 32 class is so much fun because they are fast, powerful boats and all the same. It's a super one-design.'
The biggest class in the 2013 IRR is the one-design IC-24 with 16 boats. St. Thomas' Phillip Shannon is out in front by four points aboard his Magic Bus. Puerto Rico's Gregory Fink's Boost Sailing Team/Kuilagus II, is mid-fleet in ninth, but poised to move up thanks to the prowess of seasoned skipper, Keki Figueroa. Figueroa, who has placed well in national and international Hobie 16 regattas, explained why he jumped ship to a monohull: 'The Hobie 16 class is down in Puerto Rico,' he says. 'I wanted to get back into competitive one-design racing.'
Finally, in the Beach Cat class, St. Croix's Tom Ainger, aboard his Inter 20, Caribbean Auto Mart, is tied for first with St. Thomas' Mark Chong, driving his Nacra 20, Blame it on Rhea. 'I have an advantage over the Hobies in winds less than 12 knots, especially upwind,' says Chong. 'But I like sailing in heavy winds better. So for me, I win no matter the wind!'
Racing continues Saturday when most of the fleet will race south of St. Thomas' east end. The IC-24 and Beach Cat classes will race near to shore in Great Bay and Jersey Bay, respectively, on Saturday and Sunday, and the Melges 32 class will continue to sail in Pillsbury Sound. Racing starts daily at 11 a.m.
The St. Thomas Yacht Club-hosted IRR is the oldest regatta in Rolex's portfolio of international sailing events and dates back to 1974.
International Rolex Regatta or, visit the IRR on Facebook and follow the action on Twitter at: #irr40
If you want to link to this article then please use this URL: www.sail-world.com/107756
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CYCA Land Rover Gold Coast Race - Images of supermaxi Scallywag
Sydney photographer Michael Chittenden filed this gallery of images from the start.
The supermaxi Scallywag made her ocean racing debut in the CYCA Land Rover Gold Coast Race which got underway on Sydney harbour on Saturday afternoon. After a tight start the David Witt skippered supermaxi settled into her work and began the chase with her long standing rival, Wild Oats XI.
Posted today at 7:19 am
Edgartown Race Week - Final
It was a rainy and dreary start to the day out here on Marth's Vineyard. The racing started at 11:00.
It was a rainy and dreary start to the day out here on Marth's Vineyard. By 11:00, it became a blustery and rainy day. The racing started at 11:00 and I haven't sailed in that much rain in a while.
Posted today at 6:20 am
On the dock and on board with the 'fat bottomed girl'
Nic Douglass, caught up with the crew of the supermaxi, Comanche, after she had completed her latest mission
Adventures of a Sailor Girl, Nic Douglass, caught up with the crew of the supermaxi, Comanche, after she had completed her latest mission and had chopped 27.5hrs off the trans-Atlantic Race Record for a manually powered monohull. The last time I was waiting for Comanche to arrive after achieving a goal that they had set out to achieve was a very different scene
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CYCA Land Rover Gold Coast Race - Replay coverage of the start
Replay coverage of the CYCA Land Rover Sydney Gold Coast Race start
Replay coverage of the CYCA Land Rover Sydney Gold Coast Race start. The fleet got away to a clean start this afternoon in Sydney. The supermaxi, Wild Oats XI (Oatley family) led the 177 strong fleet through Sydney Heads, with ScallywagHK, the former Ragamuffin 100 in second place. Commentary bought to you by Bob Killick and Warwick Rooklyn.
Posted today at 4:33 am
Jim Hunt seals second OK Dinghy world title after difficult final day
Jim Hunt sealed his second OK Dinghy World Championship title in Quiberon, France, after a very difficult final day
2016 OK Dinghy World Championship - Jim Hunt (GBR) sealed his second OK Dinghy World Championship title in Quiberon, France, after a very difficult final day for both organisers and competitors.
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SAP Extreme Sailing Team and Alinghi apply the pressure in Hamburg
Morgan Larson's dominant Omani team who go into the clubhouse in first place at the half way stage of the Act.
2016 Extreme Sailing Series™ - A sunny day on the River Elbe coupled with a lively breeze saw SAP Extreme Sailing Team and Alinghi challenge Oman Air for honours on the second day of the Extreme Sailing Series™ in Hamburg, but it's Morgan Larson's dominant Omani team who go into the clubhouse in first place at the half way stage of the Act.
Posted today at 2:55 am
Comanche sets new trans-Atlantic Record - Video of the Finish
High definition video of Comanche crossing the virtual finish line off the Lizard to set a new monohull trans-Atlantic r
High definition video of Jim Clark and Kristy Hinze-Clark's supermaxi, Comanche setting a new, provisional world record for crossing the Atlantic for a monohull, in a manually powered sailing vessel of 5 days, 14 hours, 21 minutes 25 seconds. The video was recorded on and off the boat as she crossed the virtual finish line off the Lizard, southern England.
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Close fight around Wight on Day 6 of Brewin Dolphin Commodores' Cup
20-25 knot winds and glorious sunshine made for one of the most memorable races around the Isle of Wight on record
With a win for Eric de Turkheim's A13, Teasing Machine (despite destroying a kite), and a second for Daniel Andrieu's Sun Fast 3200, Cifraline 4, France Blue have leapt ahead in the overall results, now holding a 35.5 lead margin over the second placed Flanders North Sea Team.
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52 Super Series – Puerto Portals Week – Azzurra concludes with a win
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Azzurra closes the PPSW in Mallorca, the third event in the series, with a win that feels like a wish for good luck in the events to come. Quantum is the Series' current leader, followed by Azzurra.
Posted on 29 Jul
52 Super Series – Puerto Portals Week – Quantum Racing takes the prize
Quantum Racing wrapped up their third regatta title of the season with a race to spare on the Bay of Palma
Quantum Racing wrapped up their third regatta title of the season with a race to spare on the Bay of Palma, winning 2016 Puerto Portals Sailing Week, Vladimir Liubomirov's Bronenosec completed a notable comeback after a disappointing ninth at the Audi Settimana delle Bocche
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StartUpHire is the place to find Product Manager - Risk jobs. Review the list of Product Manager - Risk career opportunities to the left. These Product Manager - Risk jobs represent some of the most rewarding careers available.
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As the leader of the Customer Support team you will manage and mentor a team of Customer Success Advisors in a B2C/B2B environment.7/1/2016 New York, NY Save This Job
Join our talented group of product managers, architects and engineers to help define and drive our vision and roadmap for Reltio Cloud.7/28/2016 Redwood City, CA Save This Job
As a Product Manager, you'll lead a team in shipping transformational payment features and services for both buyers and sellers. You'll be instrumental in expanding and maintaining our core payments platform. You'll shape Etsy's strategy for p7/25/2016 Brooklyn, NY Save This Job
As a Senior Product Manager, you'll develop and ship successful, meaningful products that help Etsy buyers discover items and sellers succeed.7/14/2016 Brooklyn, NY Save This Job
As a Product Manager on Internal Platforms, you'll develop and ship meaningful products necessary to support the daily operation and long-term growth of Etsy and its internal teams.7/18/2016 Brooklyn, NY Save This Job
Cockroach Labs is the team behind CockroachDB, an alpha-stage, open source database whose mission is Make Data Easy. CockroachDB - so named for its survivability and scalability - will survive data center-scale outages, maintain strong consistency through ACID transactions, and5/30/2016 New York, NY Save This Job
As a Senior Product Manager for Search Sciences you'll work with data scientists, user research, analysts, and product teams to connect buyers and sellers in Etsy's marketplace.7/10/2016 Brooklyn, NY Save This Job
You'll lead the design and development of our eCommerce experience. Together with our UX designer and lead developer, you will define what our website looks like (the most critical touchpoint of our business).7/27/2016 Los Angeles, CA Save This Job
Tracking Code 233-093 Job Description We are seeking a talented and highly motivated individual to join our team as a Senior Product Manager. Summary: The Senior Product Manager will be responsible and accountable for product management activities supporting development and5/31/2016 Lexington, MA Save This Job
At eHarmony, we've never shied away from big challenges. We came together in 2000 believing that with a mix of psychology and some cutting edge technology, we could create relationships that were happier, more fulfilling and enduring.7/24/2016 Los Angeles, CA Save This Job
The Role: This product manager will take on day-to-day drivership for Euclid's core Insight product. You'll be working directly with our current customers, prospects, engineering and go-to-market teams to grow the user base and revenue stream. You'll help our customers learn7/19/2016 San Francisco, CA Save This Job
San Francisco At CircleUp, our mission is to help entrepreneurs thrive. Our marketplace connects entrepreneurs building the most innovative consumer and retail companies with investors - from angel investors to leading private equity funds to the investment arms of the largest6/12/2016 San Francisco, CA Save This Job
Sr. Product Manager for Sales AccelerationAbout VelocifyVelocify builds tools for sales organizations, transforming the way sellers and managers engage customers and achieve their goals. We are building the worldâs most advanced sales acceleration platform and unlocking the7/4/2016 El Segundo, CA Save This Job
W're seeking to hire a Product Manager, Viewability to join our Product team in NYC.The Product Manager will be a subject matter expert for our industry leading digital ad measurement products and will work as a part of a cross-functional team to deliver products and featuresÂ7/30/2016 New York, NY Save This Job
At Pandora, we're a unique collection of engineers, musicians, designers, marketers, and world-class sellers with a common goal: to enrich lives by delivering effortless personalized music enjoyment and discovery. Peopleâthe listeners, the artists, and our employeesâare7/30/2016 Oakland, CA Save This Job
At Pandora, we're a unique collection of engineers, musicians, designers, marketers, and world-class sellers with a common goal: to enrich lives by delivering effortless personalized music enjoyment and discovery. Peopleâthe listeners, the artists, and our employeesâare7/12/2016 Oakland, CA Save This Job
At Pandora, we're a unique collection of engineers, musicians, designers, marketers, and world-class sellers with a common goal: to enrich lives by delivering effortless personalized music enjoyment and discovery. Peopleâthe listeners, the artists, and our employeesâare7/12/2016 Oakland, CA Save This Job
Job Details Job Location USA-GA-Atlanta Education Level 4 Year Degree Description The Senior Product Manager has a key role in establishing Nexidia?s vision, strategy, and product roadmap for Nexidia?s Contact Center Speech Analytics solutions, including with regard to the6/26/2016 Atlanta, GA Save This Job
Mountain View, CA Apply Now OUR MISSION IS TO BRING THE CERTAINTY OF SCIENCE TO THE ART OF BRAND MARKETING. Tremor Video helps make every advertising moment more relevant for customers. The company?s heritage as custodians of the most recognized advertiser and publisher7/22/2016 Mountain View, CA Save This Job
Location: Corporate Office - Leesburg, VA Full Time Requisition Number: req239 Summary: Supports the Product Manager/Marketing VP in implementing growth plans for product lines. Assists with product development, collateral material development, catalog development, and trade7/20/2016 Leesburg, VA Save This Job


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Donald Trump Says He's Going To Stop Being Nice
When has Donald Trump ever been Mr. Nice Guy?
When has Donald Trump ever been Mr. Nice Guy?
Green beans are so easy to grow. A $5 packet of seeds grows as many green beans as a person might reasonably want to eat for a season. If we let a few of those green beans stay on the plant until they're brown and
Two mass killings that have shocked the world turn out to have been carried out by the same organization, in a campaign of orchestrated violence.


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who so ever is saying that GS2 is better they dont want a phone they just want a camera, fist of all the OS is better on Nexus, Screen is way better, the processor is way too good, there is only a little difference between the Pics taken by s2 and G Nexus. For those ppl either Nokia N8 is best or there is a new Sony phone coming, go for it don't waste your time commenting on something you dont knw
little taker, 27 Oct 2011how is this better then the s2
the s2 is way better then this Sure ?? what if galaxy S2 got Android 4.0 ??
Think About it !
ugly handset and still not anywhere near as good as the s2 spec wise. but since owning the s2 i have realised that it is going to be difficult to beat! wonder how the new android will hold up thou?
The resolution! 720 x 1280 pixels Is way better than 480 x 800 pixels!!
little taker, 27 Oct 2011how is this better then the s2 the s2 is way better then this Let's see. The Galaxy Nexus has a higher resolution screen than the S II ( http://rs20.mine.nu/w/2011/10/...-simulation/ .) The Galaxy Nexus has a faster CPU and GPU, because of its OMAP 4460 chipset. Note that the OMAP 4460 is a faster OMAP 4430, which is faster than the S II ( http://www.mysamsungwave.com/i...topic=6173.0 .) There you have it, better, better, better and better!
viru, 28 Oct 2011Samsung Galaxy II is way better than Nexus. I can't see any major wovs for nexus...You just don't get something man. The Nexus series are the series which comes with the LATEST OS version. The Galaxy series are the phones with the GREATEST specs. The same happened with the Nexus S and SG2. The Nexus S was announced with the Gingerbread last year in December. After 2 months Samsung announced their flagship phone, the SG2.
ian, 28 Oct 2011Too BIG!!!!pls make phone at most 4 inch screen.I think that 4 inch is not enough these days. You need at least a 4.3 inch screen. I saw a GS2 with my eyes, and I know what I am talking about. It can fit in your pocket well.
Samsung Galaxy II is way better than Nexus. I can't see any major wovs for nexus...
wow 4.65 inches, without buttons.. so it should be about the same size as other 4.3 inch phones? (given physical buttons takes up space?)
wish it had 64gb versions
Dalgard, 25 Oct 2011Experienced users, please help!
I'm undecided what to buy: I used Nokia phones since 1993. ... moreMostly nowadays smartphone is need to charge at least two days in single charge(minimum usage)which is good already in battery performance, so it's quiet hard to find a phone that suitable with your need, especially the battery life problem.
I suggest you to buy a blackberry, I'm a blackberry user and very satisfied with it's usability and performance. also BlackBerry GPS is nice. my usage is just for mailing, messaging, chatting, and a bit multimedia content, and I just need a single charge to keep it for two days and sometimes 3 days. Just a simple yet phone, but if you need some high tech features and technology, I suggest you to go for samsung galaxy s2, it's extremely awesome. if u like to go for blackberry, well you may go for the Bold or curve options which is the battery power is a bit long lasting than the other blackberries type.
hope it would help.
little taker, 27 Oct 2011how is this better then the s2 the s2 is way better then this Wth. This is much better than s2
waste of time handset , with no unique features . the camera is worse than the S2 ....so why would you bother.
face recognition is both gimmicky and too time consuming to be bothered with
new android software is a plus , however just get the s2 and upgrade that .
how is this better then the s2
the s2 is way better then this
srinusmart, 27 Oct 2011Still 1.2GHz only?? Why can't you use 1.5GHz processors?? anyway excellent. amazing phone. like it. Battery life is why. LTE radios are battery killers. Put that with a higher clocked processor and you have your battery being kicked in the teeth.


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Rick Nash struggling, team's losing - sound familiar?
Aaron Portzline of the Columbus Dispatch conversed with Rick Nash the other day and found pretty much the same story we find from Ryan Getzlaf.
Canadian Olympic star, team captain, stumbling through a disappointing season...does it sound familiar?
The news hook was that Nash would consider a trade even though he has a no-movement clause.
Nash, 27, makes a staggering $7.5 million this season, and the deal goes to $7.6M, $7.8M and $7.9M the next three seasons. However, Getzlaf is only signed through next season. His salary in 2012-13 is $6.125 million.
Nash, a right wing, has 12 goals and 27 points. He has had at least 32 goals in each of the past four seasons and 271 overall.
Because Getzlaf is a center, this is not a perfect match, if you're thinking about trades. But if Ducks' general manager Bob Murray is thinking about getting quality-for-quality, Nash is one of the few available players in that ballpark.
The Blue Jackets play the Ducks at Honda Center Sunday.
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Over the weekend the explicit uncensored version of Scream & Shout by Britney Spears and will.i.am made its way to the Internets but it is now available for official download on iTunes. The song is also featured in a new TV commercial for Beats by Dre Color Headphones, which you can watch in full above. In the clip, will.i.am is joined by folks like Lil' Wayne, Azealia Banks, Tyson Ritter of All American Rejects and more as they promote the sale of Dre's headphones. Sadly, Britney does not appear in the commercial … but her vocals are there and, therefore, the clip is worth watching. Enjoy!!0
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Automating plug-in parameters
Automating plug-in parameters
Volume, panning, and send automation are not the only parameters you can automate. You will find that automating plug-in parameters such as equalizer curves and compression settings can be extremely helpful in your mix. The ability to adjust plug-in parameters over time can help you keep your track counts down and give you more control over what happens on a given track throughout the timeline. First thing you will notice when you try to automate a plug-in is that their parameters don't automatically show up in the automation playlist. So let me insert an EQ plug-in into this track. So here I have my plug-in inserted and it has a lot of parameters.
If I close the plug-in box and I go to my automation playlist, I don't see any of those parameters showing up in my automation list here. You actually have to manually set your parameters to show up. So let me take this plug-in off and I want to show you one way you can do this is through the Preferences in Pro Tools. Here under the Mix...
Automating plug-in parameters provides you with in-depth training on Audio + Music. Taught by Scott Hirsch as part of the Audio for Film and Video with Pro Tools
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- Audio + Music Video
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- Pro Tools
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- Scott Hirsch
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Posts Tagged "Penrith Panthers"
Penrith Panthers vs South Sydney Rabbitohs highlights: NRL scores, blogBy Riley Pettigrew, 24 Jun 2016
The South Sydney Rabbitohs face a massive challenge when they take on the Penrith Panthers at Pepper Stadium. Will they be able to upset the mountain men or will Penrith come away with a convincing win? Join The Roar from 7:50pm (AEST) for live coverage.
126 Have your say
NRL Friday Night Forecast: Panthers vs RabbitohsBy Lachlan Bickley, 24 Jun 2016
With State of Origin now in the books for another year (there is Game 3 but who is going to watch that unless Laurie Daley changes his team) we turn back to club footbal. Tonight, we see a match-up between a primed Panther and a reeling Rabbitoh.
4 Have your say
Panthers steal spotlight at the Dylan Walker showBy Billy Stevenson, 13 Jun 2016
It was a tale of two halves at Brooky last night and I'm not just talking about Dylan Walker and Nathan Cleary.
2 Have your say
The Penrith Panthers have stunned the Manly Sea Eagles in a tale of two halves at Brookvale Oval.
11 Have your say
Manly Sea Eagles vs Penrith Panthers highlights: Panthers come from behind to winBy Riley Pettigrew, 12 Jun 2016
Match result: The Penrith Panthers have come back from 20 points down to defeat the Manly Sea Eagles at Brookvale Oval.
153 Have your say
The standalone Sunday game in Round 14 features two teams in desperate need of two points when the Manly Sea Eagles host the Penrith Panthers in their first Sunday afternoon game of 2016.
3 Have your say
The Panthers head to Brookvale today in a must-win clash for both sides.
0 Have your say
Highlights: Cronk, Smith lead Storm to smash PanthersBy Widget, 4 Jun 2016
The Melbourne Storm have claimed a crucial two points after defeating the Penrith Panthers 24-6 in wet conditions at AAMI Park in Melbourne.
18 Have your say
Match result: The Melbourne Storm have moved to the top of the table with a big win over the Penrith Panthers on Saturday night.
84 Have your say
Mansour realises Origin dreamBy The RiffMarn Stew Moses, 23 May 2016
Powerhouse Penrith winger Josh Mansour has been named to make his Origin debut in Game 1 of this year's series, to be played next Wednesday night at ANZ Stadium.
5 Have your say
In 2016, Penrith have suffered some fairly agonising losses in the last ten minutes.
15 Have your say
Highlights: Don's winner sees Titans surprise PanthersBy Widget, 22 May 2016
After a thrilling 80-minute contest, the Gold Coast Titans have claimed an upset win over the Penrith Panthers by four points. In a game that had plenty of ebbs and flows, it was the Titans who pulled out a big play when it counted to snatch victory from the jaws of defeat.
0 Have your say
Penrith Panthers vs Gold Coast Titans highlights: Titans by 4By Widget, 22 May 2016
Match result: The Gold Coast Titans have denied the Penrith Panthers their chance to win three matches in a row, with a late try from Anthony Don giving the visitors a 4-point win.
106 Have your say
Will the Titans thwart Penrith's golden chance to win three in a row?By The RiffMarn Stew Moses, 22 May 2016
Two teams coming off last-start victories come together at the foot of the Blue Mountains looking to generate some winning momentum, as the Penrith Panthers finally return home to prepare for their clash with the Gold Coast Titans.
3 Have your say
Matt Moylan will take Penrith to the next levelBy Conner Lowe, 19 May 2016
For years, the Penrith Panthers have said how their youth players will pave the way for the future of the club.
2 Have your say
As has been in the case so far in 2016, the 71st minute ticked over and a Panthers game was in the balance, this time on a blustery Saturday evening at a packed AMI Stadium.
1 Have your say
Penrith Panthers vs New Zealand Warriors highlights: Panthers run away with winBy Scott Pryde, 14 May 2016
Match Results: The Penrith Panthers have recorded a four-point victory over the New Zealand Warriors in very tough conditions at AMI Stadium in Christchurch, running away during the second half.
135 Have your say
Panthers, Warriors looking for back-to-back wins in ChristchurchBy The RiffMarn Stew Moses, 14 May 2016
Pepper Stadium continues to be all but a blur as the Panthers switch another home game this time across the Tasman to Christchurch, who will host the New Zealand Warriors for the first time since 2010, in front of an expected sell-out crowd of 18,000 fans at AMI Stadium.
0 Have your say
Off-contract Panthers forward eyeing All BlacksBy Scott Bailey, 2 May 2016
Former New Zealand rugby league international Elijah Taylor is considering a shift to rugby union as the out-of-favour Penrith backrower's NRL future remains in limbo.
20 Have your say
Penrith prevail in yet another thrillerBy The RiffMarn Stew Moses, 2 May 2016
Penrith held on to defeat Canberra in controversial circumstances 19-18 at Carrington Park to enter the top eight and maintain their topsy-turvy 2016 form-line which reads win-loss since Round 3.
0 Have your say


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Enter your stay dates and any discounts you qualify for to see Horsley, United Kingdom rates found only on HotelPlanner!
Find accommodations in Horsley with the hotel list provided below. Search for cheap and discounted hotel and motel rates in or near Horsley, United Kingdom for your business or personal leisure travel. Explore the most favored Horsley hotel rooms. Review the Horsley hotel list below to find the perfect lodging. We also have a map of the Horsley hotels.
The Horsley center point is approximately 5 miles northeast of City Centre Derby and 11 miles west of City Centre Nottingham.
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Geeks With Blogs
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Teresa Burger is passionate about building great user experiences for business applications, and believes that relationship starts at the UI. This has led to a strong foundation in Business ERP Development where she has focused many years of her career. Prior to that, her work with blind and visually impaired users sparked her passion for true usability. When she and her husband are not writing code, they can be found at any number of local user groups. Teresa graduated from Southern Oregon University with a degree in Computer Programming and Software Engineering and is currently an independent developer. twitter: @t_burger
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The room was clean, the internet worked fine, and there is an Applebee's across the parking lot. The staff was friendly and responsive. The only problem was the breakfast, where they ran out of eggs, and some other items. Lots of construction workers here, and they brought their appetites.
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At this time there is no more inventory available for this item.
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Sending the same ornament to different places? If you order more than one of an item and want them shipped to different addresses, please order them individually. We will ask you for the individual shipping addresses later in the ordering process.
Character Car - Purple Christmas Ornament
Personalized Christmas Ornament
This purple car ornament looks like a Volkswagon Beetle or Bug with headlight eyes and a big smile with a red tongue hanging out the front. A fun ornament for a child who likes cars and trucks or for someone who just bought their first car, this purple car will easily be a favorite Christmas ornament. For those children and adults who fell in love with the Disney Cars movies, this ornament is reminiscent of those characters and full of personality. A great new addition to your tree for the car lover on your Christmas list.
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12/7/2015 - "The order came faster than I expected, including a personalized ornament for my son. The cloth advent calendar, with beautifully detailed cloth (with velcro) figurines was surprisingly well made and will be a delightful part of my granddaughters' Christmases for years to come. Anonymous Respondent"
12/9/2015 - "I liked the personalized ornaments options, my kids receive a Christmas ornament every year and I try to give them something that their interests are that year, this year I had a freshman going off to college so she received ornament with her college name and my freshman HS son received a football ornament with his HS name and football #, and each has the current year. It's great to have memories and ornaments they can keep for years to come. Traci H."
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Microsoft SQL Server Analysis Services (SSAS) Jobs in Staffordshire
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SQL Developer - SSRS / SSIS / SSAS - Stoke on Trent
A long standing and highly reputable business is looking for an experienced and highly skilled SQL Developer ( SSRS / SSIS / SSAS ) to join their team... Working within a small team of BI focused professions you will play an important role in the maintenance of their SQL database, performance tuning and backup...
Stoke-On-Trent, Staffordshire -
Senitor Associates
Salary: £30000 - £40000 per annum + BenefitsPosted: 5 days ago
Junior SQL Developer - SSRS / SSIS / T-SQL - Stoke on Trent
We are looking for a Junior SQL Developer (SSRS / SSIS / T-SQL ) to join an industry renowned blue chip company... This role requires that you have some commercial experience of the BI suite - SSIS, SSRS. You must also have a sound understanding of T-SQL and stored procedures. Applicants with...
Stoke-On-Trent, Staffordshire -
Senitor Associates
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SQL Reporting Analyst / Data Warehouse Developer
Key skills / experience: -Strong experience in SQL Server and SSRS/ T-SQL/ Stored Procedures... -Exposure to data warehouse and star schema/ Kimball... -Data analysis skills... Keywords: SQL, T-SQL, SSRS, SSIS, SSAS, SQL Server Developer, Report Developer, reporting, MI Analyst, business intelligence, SQL database developer, SQL Developer, data analyst, reports...
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C# ASP.NET Web Application Developer - Lichfield / Birmingham... A reputable company in Lichfield who I've proudly worked with for years is recruiting for C# ASP.NET Web Developer to join their development team... The successful candidate will have commercial development experience building and enhancing .NET solutions with proven knowledge...
Lichfield, Staffordshire -
Rebel Recruitment
Salary: Up to £41,000 per annum + BenefitsPosted: 6 days ago
SQL Server Analysis Services Jobs in Staffordshire


text:
JackF, Getty Images/iStockphoto
QUESTION: I co-signed on a car in 2007, which was repossessed. The loan was forgiven in 2012 and reported on my taxes as income. The taxes have also been paid to the IRS. As of this past Friday, two of my friends/family listed as "referrals" were called on their home phones and cellphones about this "forgiven debt." No one has contacted me! The message left is an insult to my name! Any advice would be greatly appreciated.
ANSWER: This should not be happening, but there is something you can do to stop it.
You have two issues here that need to be addressed. First, you have a collector who is attempting to collect a forgiven debt, and second, the collector may be violating the Fair Debt Collection Practices Act, or FDCPA, by overcommunicating to third parties.
Let's start with the second issue.
The FDCPA protects consumers from abusive and unfair collectors. It has very specific and stringent rules that collectors must follow when communicating with a third party in order to attempt to collect a debt. The collector may state only that he or she is "confirming or correcting location information concerning the consumer," and may not "state that such consumer owes any debt." If the collector identified himself as a debt collector and/or said anything about a debt in the message left for your friends and family, the debt collector is in violation of the FDCPA and can be sued.
I suggest that at a minimum you report the violation to the Consumer Financial Protection Bureau and also with the consumer protection division of your state's attorney general.
Should the collector ever get around to contacting you about this forgiven debt, be prepared to send copies of your 1099-C tax form and the tax return where you paid the taxes on the forgiven debt. You should be aware that many consumers have had similar problems with a collector attempting to collect on a debt for which the consumer has been issued a 1099-C and has paid the taxes owed. The courts have decided in favor of consumers and stated that a creditor cannot issue a 1099-C and then attempt to collect the same debt that was forgiven. But with the huge volume of stale debts being sold and resold in the secondary market, often with sketchy supporting data, this has not stopped all collection attempts.
If you believe your reputation has been harmed by an unlawful disclosure, you can check with an attorney with debt collection experience about suing the collection company in court.
Good luck!
Bankrate's Debt Adviser, Steve Bucci, is the former president of Consumer Credit Counseling Service of Southern New England and the author of "Credit Repair Kit for Dummies." Visit Bankrate at http://www.bankrate.com.
©2014 Bankrate.com
Distributed by MCT Information Services
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text:
Children prefer Twilight over The Twits: Roald Dahl falls out of favour as his novels do not make 'top 10 most loved books'
- Adults are encouraging children to read the novels
A survey has found the prolific writer, famed for his surreal stories, is more popular with adults
Loved by generations for his dark humour and wildly imaginative tales, Roald Dahl's books have been a firm favourite for generations.
But it would appear that the younger wave of readers are now ignoring their copy of The Twits for the latest Twilight novel.
A survey has found the prolific writer, famed for his surreal stories, is more popular with adults than youngsters.
The latest national What Kids are Reading report found that although he was the most-read author, he did not feature in the top ten books children most enjoy reading.
Instead, research appears to show that adults are encouraging children to read the novels, including famous works Charlie and the Chocolate Factory, Matilda and The BFG, The Independent reported.
The report's authors, Renaissance Learning, conducted a survey of more than 300,000 schoolchildren aged five to 16-years-old.
The most popular book was Rachel Caine's Glass Houses, the first in her Morganville Vampire series, according to the newspaper.
Stephenie Meyer's bestselling Twilight books - about angst-ridden teenagers, wolves and vampires - were another favourite.
Dahl comes out top in the ten most-read children's authors, along with other writers such as Jacqueline Wilson.
But in a sign that literary tastes are changing across the younger generation, he doesn't have a single book in the top ten best-loved books.
Dahl, who died in 1990, wrote dozens of books and poems for children and adults which have sold more than 100 million copies worldwide.
Well-loved literature: The Twits and The BFG, by Roald Dahl, are classics for many adults who are eager to pass them on to their children
1. Glass Houses: The Morganville Vampires, Rachel Caine
2. Harry Potter and the Prisoner of Azkaban, J.K. Rowling
3. Twilight, Stephenie Meyer
4. Crocodile Tears, Anthony Horowitz
5. The Dead Girls' Dance, Rachel Caine
6. Diary of a Wimpy Kid: The Ugly Truth, Jeff Kinney
7. Harry Potter and the Goblet of Fire, J.K. Rowling
8. Percy Jackson and the Battle of the Labyrinth, Rick Riordan
9. Mates, Dates and Sole Survivors, Cathy Hopkins
10. Survival, Chris Ryan
The writer, whose first book is not James and The Giant Peach as is widely believed, but a picture book called The Gremlins, came to prominence as a children's writer in the 1960s.
He composed his work at a shed at the bottom of his garden in Great Missenden, Buckinghamshire.
The grandfather never mastered typewriting, so used a pencil to write his stories - of which there would be numerous drafts because he 'could never get anything right the first time.'
His first published work, inspired by a meeting with Captain Hornblower creator C. S. Forester, was 'A Piece Of Cake' on 1 August 1942.
The story, about his wartime adventures, was bought by The Saturday Evening Post for US$900 and published under the title 'Shot Down Over Libya'.
After reading the account C.S. Forester told him in a letter: 'Did you know you're a writer? I haven't had to change a word,' his official website recalls.
Such is his universal appeal that the anniversary of his birthday on September 13 is celebrated as 'Roald Dahl Day' in Africa, the United Kingdom and Latin America.
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text:
Ready for another juicy NSA spying revelation? All right, here goes. According to the latest report by The Guardian, the National Security Agency implants backdoor tools in routers exported from the United States. The NSA then uses those tools to conduct network surveillance.
A June 2010 report from the head of the NSA's Access and Target Development department is shockingly explicit. The NSA routinely receives – or intercepts – routers, servers and other computer network devices being exported from the US before they are delivered to the international customers.
The agency then implants backdoor surveillance tools, repackages the devices with a factory seal and sends them on. The NSA thus gains access to entire networks and all their users. The document gleefully observes that some "SIGINT tradecraft … is very hands-on (literally!)".
The document reportedly goes on to mention one instance of a router phoning home to the NSA several months after being implanted with spying tools. "This call back provided us access to further exploit the device and survey the network," the document allegedly states.
As the Guardian points out, this news comes on the heels of repeated allegations by the U.S. government that Chinese-built hardware contains backdoors used by the Chinese government. The House Intelligence Committee went so far as to advise private companies in the U.S. not to do business with two Chinese telecommunications equipment firms, Huawei and ZTE, on those grounds that they "cannot be trusted to be free of foreign state influence."
This discussion is now closed.
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|I'll...just review the thin air on my desk where a GTX 1060 would fit, since that's what we have.


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awesome. one of the best shot I ever seen... my best congratulations, greetings from Italy.
Getting a shot like this is as much luck as anything
yes for sure, but you've take it, so...VERY GOOD WORK! (luck is important, but you've to take the opportunity in time!!) best regards.
The lightning is perfectly symmetrical. Is it mirrored?
Come on people, just compare the individual bolts on the left and right side of the image. Of course the photo has been manipulated. This isn't to say there wasn't a job well done here of course.
Photo taken in Interior Township, SD, USA


text:
iHerb Customer Reviews
Savings of: $20.11 (48% off)
Sorry, this product is no longer in stock.
Gelatin Capsule is derived from porcine.
recommend for all
Posted by Reviewer2714733 on Feb 04, 2012
Easy, cheap and does it job. Must have supplement if you are not eskimo.
Posted by Reviewer1032773 on Mar 19, 2012
Great product - great price. And no fishy reflux.
Yes, it IS Odorless
Posted by Reviewer1690973 on Feb 23, 2011
I don't usually purchase Jarrow products (personal reasons), but my husband ordered this formula, and I have to say it does NOT smell fishy at all, nor does it have a fishy aftertaste. So for that reason alone, I recommend it. But only 4 stars because of the Jarrow brand.
Posted by Reviewer1301566 on May 02, 2011
Its a solid Omega 3
quite good product
Posted by Reviewer3078033 on Jun 19, 2011
very balanced formula and it´s really odorless
Great Taste
Posted by Reviewer2185136 on Jul 04, 2011
The taste is good and price is reasonable.
Finally no Fish Smell
Posted by Reviewer2707446 on Jul 13, 2011
Love the product ...... truly is odorless and contains the balance of oils that I find most helpful.
Great Product
Posted by Reviewer1105640 on Jul 19, 2011
Great and affordable product from Jarrows, although Pristin has higher concentration but is much much more expensive.
fish oil
Posted by Reviewer2999230 on Mar 04, 2010
good quality ,no burping up
strawberry tasting fish oil
Posted by Reviewer2239146 on May 22, 2010
No fishy burps, perfect balance EPA-DHA, as far as results, time will tell. By what I read on the benefits of Omega3 on depression and anxiety, I defintely don't wanna go without fish oil. I can't tell if this product is any better than any other one.
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