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Mahindra & Mahindra Financial Services Ltd.
"Riding rural bouyancy"
1743.7 2.0 1743.830 over the next 9 to 12 months. Recovery in cash: Since a significant portion of the collections takes place in cash. Investment Rationale Excellent understanding of rural markets: The main market for tractors being the rural and semi-urban areas.7) 6Mth (13.6 respectively. Valuation & Recommendation 130 120 110 100 90 80 70 Sep-10 Nov-10 Jan-11 Mar-11 May-11 Jul-11 Sep-11 M&M FIN SER VICES NSES&P CNX NIFTY INDEX Shareholding Pattern as of 30 June 2011 Promoters Holding Institutional (Incl.) Sector Stock Details BSE Code Bloomberg Code Market Cap (Rs.2) 1Yr 5.5x FY'13E Adj.3 and Rs. Mahindra & Mahindra Financial Services Limited (MMFSL) has a pan-India presence mainly in the rural and semi-urban areas. Volume BSE (Monthly) Face Value (Rs) Dividend (FY 11) Shares o/s (Crs) Relative Performance MMFSL(%) NIFTY(%) 140 Mahindra & Mahindra Financial Services Ltd.5) (11.0 P/ABV (x) 3. book value to arrive at a price target of Rs.8% Vishal Jajoo – Sr. The net profit for FY'12E and FY'13E is expected to be Rs.6% 4.4 1Mth 9.53.1 (18. 2011) spread across 24 states and 4 union territories. Research Analyst (+91 22 3926-8136) Email id: vishal.1 10.1% 14.6 We expect the company to post a Net Interest Income of Rs. NHB has taken a 12.wk HI/Lo (Rs) Avg. 647 NBFC 532720 MMFS IN 6729 45 913/590 7233 10.7 483. Strong recall value: The company has a strong brand recall value.Initiating Coverage Recommendation CMP (Rs.5 12.8% 41.554.7% 15.9% 14.1% P/E (x) 18.6% PAT 342. BUY Rs. The EPS for FY'12E and FY'13E should be Rs. the company has not only gathered an excellent understanding of the rural markets but also established a nation-wide network of 559 branches (as on June 30. Significant potential in rural housing finance: The only company in the country to cater exclusively to the housing finance requirements in the rural areas. This provides an upside of 28% from the present levels.4 554.9 (Source: Company. recovery is a specialized job.1522 crore for FY'12E and Rs.6 2.4% 34.0 1313.0 100% 10.6 Growth (%) 59.4 crore and Rs.4 671. Particulars FY'10 FY'11 FY'12E FY'13E Growth (%) 20.5% stake in the company. FII) Corporate Bodies Public & others 57.6 crore for FY'13E.4% 27.com Net interest Income 1029.64.4) Snapshot Incorporated as Maxi Motors Financial Services Limited. along with high levels of acceptance due to the presence of the parent company in the tractor segment.7 1522. The company has deployed significant human resources and invested in technology for effective monitoring of cash collections.2 (1.671. Nirmal Bang Research) 2|Page .3 1.1 13.2% 3.6 crore respectively. We expect the company to trade at 2. The company offers an entire gamut of financial services in the rural and semiurban segments.jajoo@nirmalbang. cr) Free Float (%) 52.7% 21.
and other products like insurance broking and gold loans (on pilot basis). This provides MMFSL a significant competitive advantage over its peers.000 5. rural housing. 2011) spread across 24 states and 4 union territories. These include financing to commercial vehicles. Excellent understanding of the rural markets Mahindra & Mahindra Financial Services Limited (MMFSL) was mainly incorporated to help the parent company.000 6. commercial equipments. 10.000 1.000 4.000 2. The company has a strong brand recall value. the company has not only gathered an excellent understanding of the rural markets but also established a nation-wide network of 559 branches (as on June 30.Initiating Coverage INVESTMENT RATIONALE Mahindra & Mahindra Financial Services Ltd.000 7. The main market for tractors being the rural and semi-urban areas. along with high levels of acceptance due to the presence of the parent company in the tractor segment. Hyundai and Toyota but also adding other financial products to its portfolio which can be very well distributed through its branch network. Mahindra & Mahindra (M&M) generate additional sale of tractors. Complete bouquet of financial services for the rural markets The company has leveraged its understanding of the markets by not only emerging as one of the preferred financiers of other automobile players including Maruti.000 8.000 3.000 9. 3|Page .000 0 FY'07 FY'08 FY'09 FY'10 FY'11 600 550 500 450 400 350 300 Present across the country with an excellent understanding of the rural markets Number of branches (LHS) Number of employees (RHS) Strong recall value due to presence of parent company in the tractor segment The company mainly focuses on the rural and the semi-urban segments.
This helps the company mitigate the risk substantially as far as the weakness in auto sales figure of a particular segment or a particular brand goes. 4|Page . The company has emerged as the second largest financier for Maruti. The portfolio is diversified not only in terms of type of vehicle. on the back of the following elements. CVs.thereby helping the rural population generate higher revenues Higher commodity prices have led to an increase in cost of the automobile leading to higher needs of financing The company has a proper Asset-Liability Management (ALM) system in place such that compared to the assets which have a fixed-interest rate. A break-up of the AUM of the company has been given below in a tabular form: Break-up of AUM Auto/Utility vehicles (M&M) Tractors (M&M) Cars and other (including non M&M vehicles) Commercial vehicles and Construction equipments Pre-owned vehicles and others FY'09 38% 25% 24% 7% 6% FY'10 33% 23% 30% 8% 6% FY'11 31% 23% 31% 9% 6% (Source: Company. However. like. the liabilities to the extent of 80% are also on fixed-interest rate basis. among others but also in terms of OEM(Original Equipment Manufacturer) also. Cars. the company has managed well and shall continue to do so. Tractors. especially under the present higher inflationary-higher interest rate scenario: Interest subvention by the OEMs to increase sales Rural markets are relatively less sensitive to interest rate hikes considering the fact that it is the buoyancy in the cashflows which is more important rather than the increase in costs Increase in Minimum Support Price (MSP).Initiating Coverage Mahindra & Mahindra Financial Services Ltd. Cars contribute a significant portion of its loan portfolio contributing approximately 31% of the loan-book as on date. Diversified product portfolio helps the company sustain the weakness in automobile sales The company has a well-diversified product profile. NB Research) Well-managed under higher interest rates and commodity prices The consecutive rate-hikes by the RBI has definitely increased the cost of funding for a buyer of a vehicle. CEs. the contribution from Mahindra products has reduced significantly. Unlike in the past.
Since a significant portion of the recovery is in the form of cash. on account of it's years of presence in the rural markets. Example. Significant improvement in NPAs over the years The NPAs of the NBFC have improved significantly over the last few years on the back of buoyancy in rural cashflows and stringent recovery measures adopted by the company. MMFSL. The customer would be issued an acknowledgement of the amount received (in cash) from him. preference. he needs to call up the concerned person at the MMFSL branch. on account of the poor banking habits of the rural population. the centralized system is updated automatically as when the GPRS device with the collection person comes within the connectivity range. the NBFC has adopted various initiatives including measures like: Recruiting local people. It is to be noted that in a country like India where the taste. Recovery of dues remains the "herculean task" MMFSL has been proactive enough in deploying the best form of IT services and a significant portion of human resources in the collection procedure. who would immediately get the amount collected from the customer. In order to keep a tab on the collection method. wherein once the customer makes a payment in cash. The amount for which the acknowledgement has been issued would be updated in the centralized database maintained by the company as soon as the GPRS is/comes under the coverage area. recovery/collection of dues requires a lot of focus as well as 5|Page . demographics change with every district and state. All these measures implemented by the company not only leave any scope for the cash pilferage but also ensures timely collection and efficient monitoring of the receivables. not only helping the company keeping the costs lower but also having an understanding of a particular region Linking the variable-pay component to not just the disbursement but also the collections part Monitoring the collections process through a centralized risk management system Enabled a GPRS-based system. psyche of customer and the collection methodology. if a customer has made some "extra-ordinary gains" during the course of the day by ferrying few more passengers/extra load of goods from the village to the nearby town and wishes to repay the surplus earned towards the repayment of his outstanding dues. recovery continues to be a major issue.Initiating Coverage Mahindra & Mahindra Financial Services Ltd. Improved technology platform to monitor collections The relationship manager/recovery person would immediately reach the customer with a GPRSenabled handheld device. is strategically placed to understand the cycle of rural cashlflows.
The loan is never distributed for the purpose of land acquisition.5% subsdiary. 6|Page . the borrower in a rural area has an utmost intention to pay-off his outstanding dues on time. Instead of giving the loan to the borrower. concrete. No villager would like to tarnish his image so that the local availability of funds gets chocked in future. the proceeds from the housing loan are to be utilized towards enhancement/extension of an existing property. the only other alternative that the borrower has is the local money-lender. among others.Initiating Coverage resources.5% stake in the company is held by the apex authority in housing finance. In a rural area. In most cases. the company makes the payment directly to the vendors of construction material like cement. the company contemplates on the fact that recovery is due to social pressure. Rural Housing Finance – "Joker in the Pack" MMFSL is catering to the housing finance requirements of the rural population through it's 87. which. NHB (National Housing Bank). the local authority (mainly village panchayats) extends their full co-operation to the team at MRHFL in getting access to the title of the property. Most of the properties/portion of land is in joint names and it is the decision of every family member with regard to mortgage of the property (since lot of emotional values is attached to the same. The balance 12. Rather than adopting the aggressive modes of recovery like repossession. As far as the recovery goes. The mode of maintaining the database is not uniform across the country and changes with every state. Mahindra Rural Housing Finance Limited (MRHFL). the company has got a clear edge in this particular area. This should ideally lead to an increase in the cashflows/earnings helping the borrower to repay the EMI from the increase in the cashflows itself. Therefore. Due to absence of any other player in the organized segment exclusively catering to the rural and semi-urban housing loan requirements. it is the peer-pressure element that works better in rural areas. the company has been proactive enough to identify the same and address these problems in the following manner: Due to the reputation of the company as well as the group. Mahindra & Mahindra Financial Services Ltd. There exist issues with regard to proper documentation and mortgage process of the property due to lack of proper maintenance of data. paints. in most cases happens to be ancestral property). However. This ensures that the funds are utilized for their actual pre-determined purpose only. The issues with regard to repossession of property are much more complex compared to urban areas.
The management has plans to scale it up to all the 25 states and reach a meaningful figure of Rs. 19% Banks for assignment. 7% Assignments . Aggressive expansion plans to provide sustained growth in future: MMFSL has got robust expansion plans for future. The company also has plans to ramp up the existing rural finance operations through its subsidiary. we believe that the company would be able to grow its Assets Under Management (AUM) at a CAGR of +20 per cent over the next 2-3 years. not impacted by any significant spike in any particular mode of funding. 17% 7|Page . a lot of local inquiry goes into the system before actually ending up sanctioning the amount. the housing loan-book size is very small since it is at a nascent stage (operating just out of 8 states in the country). 9% Bank term loan. Considering all these initiatives. 17% On the basis of investor profile Insurance companies & Institutions. 7% Banks. The average loan-book size is very small at around Rs.Initiating Coverage Mahindra & Mahindra Financial Services Ltd. 57% NCDs. The company is not only planning to expand geographically but also offer new products through its existing branches. As a management policy.1-1. Mahindra Rural Housing Finance Limited. Diversified sources of funding MMFSL has kept a diversified base of funding so that the average cost of overall funding remains within limits. The table below highlights the break-up of the sources of funding has been given below: On the basis of Instruments FDs. MMFSL plans to add atleast 50 branches (~10% of the existing network) every year to the existing figure of 570 branches. the company did not rely too much on the securitization income in the past also (restricted the same to a particular limit only). 10% Others. Therefore.5000 crore loan-book by the end of FY'15E. 57% Mutual Funds. we do not expect a significant impact on the account of the latest policy change on securitization.5 lakhs. Like every other loan. At present.
tractors. The provision coverage ratio as on date stands at ~85%.Initiating Coverage Mahindra & Mahindra Financial Services Ltd. the company's NPAs start declining. cars and utility vehicles to commercial vehicles and construction equipments. This is on account of the fact that the rural population. farm equipments. the recovery process is relatively slow. as a group. Therefore. A significant portion of cash is deployed in purchasing of agri-inputs including products like seeds. the company provides finance for Utility Vehicles (UV). by Q4 of the financial year as and when the sale proceeds from the harvest is realised. After the release of the latest guidelines by the RBI on issuing banking license. M&M has stated its intention to enter the banking space. The only entity in the group catering to the financial services segment Mahindra & Mahindra. among others. Any positive development on those fronts should provide further impetus to the valuation of the company. The company has been conservative in providing for bad loans. Impact of recommendations of Thorat Committee: The Thorat-Committee came out with the following recommendations for NBFCs Increase in Capital Adequacy Ratio Provisioning norms to be similar to banks MMFSL has had a higher capital adequacy ratio in the past and the present recommendations. The company's product portfolio includes a vast range right from finance for two wheelers. covering 24 states and 4 union territories across the country. is present in the financial services segment through MMFSL only. mainly the farming community. a subsidiary of Mahindra & Mahindra Limited was incorporated in January 1991 as Maxi Motors Financial Services Limited. fertilizers. One of India's leading non-banking finance companies. farm equipment. focused on the rural and semi-urban sector. The company is also into rural housing finance and insurance products through dedicated subsidiaries. Usually. Q1 of the financial year registers a relatively sharp increase in the non-performing assets on a quarter-on-quarter basis. if implemented. 8|Page . Considering the fact that not only the group meets all the criteria required as per the guidelines but also the company should emerge as a prime candidate as far as the "financial inclusion" criteria of the Central Bank goes. tends to invest in agricultural operations before the onset of the monsoon. tractors and cars and have the largest network of branches (80% of the districts in India). COMPANY BACKGROUND Mahindra & Mahindra Financial Services Limited (M&M Financial). However. will not lead to any substantial decline in the RoEs.
64. translating into an EPS of Rs.1522 crore for FY'12E and Rs.47. The PAT for FY'11 stood at Rs.830.483.Initiating Coverage RISKS & CONCERNS Mahindra & Mahindra Financial Services Ltd.9 crore for FY'11. The net profit for FY'12E and FY'13E is expected to be Rs.9.554. Any substantial slowdown in the rural economy does not augur well for the company. Significant slowdown in automobile sales Since the company's fortunes are significantly correlated to the automobile sector. if continues further. Substantial slowdown in the rural economy The company derives a significant portion of its revenues from the rural economy.1973. 9|Page . The EPS for FY'12E should be Rs. This trend. VALUATION AND RECOMMENDATION MMFSL posted an Interest income of Rs.5x FY'13E adjusted book value at Rs. This provides an upside of 28% over the next 9 to 12 months. The Net Interest income for the year stood at Rs.3 and Rs. We expect MMFSL to post a Net Interest Income of Rs. book value. may put the sector as well as the company out of favour amongst the investor community. any significant slowdown in the automobile segment can be detrimental for the company's performance.6 crore for FY'13E. a jump of 27.4 crore.53.1313. Considering the strong parentage.3x its FY'12E and 2x FY'13E Adj. At the present price. improvement in earnings on the back of buoyancy in rural cashflows.7% y-o-y. Any unexpected policy announcement for the NBFCs The apex authority has had announced a number of policies over the last few months which have a negative impact on the NBFC sector.671. we expect the stock to quote at 2.6 respectively.7 crore.6 crore respectively. registering an increase of 29% yo-y. the stock is trading at 2.1743.4 crore and Rs.
Initiating Coverage Mahindra & Mahindra Financial Services Ltd. 10 | P a g e .
This document is not to be considered as an offer to sell or a solicitation to buy any securities. anyway be responsible for the contents stated herein. and estimates contained herein are based on Nirmal Bang Research assessment and have been obtained from sources believed to be reliable. Nirmal Bang Research expressly disclaims any and all liabilities that may arise from information. Nirmal Bang Research or its affiliates may from time to time solicit from or perform investment banking or other services for any company mentioned in this document. Nirmal Bang Research. its directors. at best. errors. The information. its affiliates and their employees may from time to time hold positions in securities referred to herein. analysis. represents Nirmal Bang Research opinion and is meant for general information only. This document. Nirmal Bang Research. 11 | P a g e . Note Disclaimer This Document has been prepared by Nirmal Bang Research (A Division of Nirmal Bang Securities Pvt Ltd). This document is meant for the use of the intended recipient only.Initiating Coverage Mahindra & Mahindra Financial Services Ltd. officers or employees shall not in. or omissions in this connection.
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Mama said knock you out! Earlier this morning, there was a break in at LL's L.A. home. Cool J confronted the intruder, lumped him up, and detained him before he was taken into custody by authorities. Eat 'em up, L! tmz
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Originally posted on Fox Sports Arizona | Last updated 5/31/13
MILTON, Ga. (AP) -- Arizona State's season came to a dramatic end Friday in the quarterfinals of the NCAA golf championship, as top-seeded California survived when Brandon Hage birdied No. 18 following a nearly perfect approach to give the Bears a 3-2 victory and a spot in the semifinals. Cal advanced to the semifinals to take on Illinois, which beat defending champion Texas 3-2. Host Georgia Tech will face Alabama, the 2012 runner-up, in the other semifinal at the Capital City Club's Crabapple Course north of Atlanta. The second-seeded Yellow Jackets needed a birdie from Ollie Schneiderjans on an extra hole to edge UNLV 3-2, while third-seeded Alabama topped New Mexico 4-1. Hage hit his 137-yard approach within 3 feet to set up the winning birdie against Jon Rahm, the Arizona State freshman who shot a 61 on Tuesday in the first round of stroke play and finished tied for second in the individual event. Hage's shot came after he had failed to close things out on No. 17 when his par putt lipped out. Cal coach Steve Deismond said he had been antsy throughout the match. "It was an uneasy feeling," said Deismond, in his 34th season as Bears coach. "How many times (this year) have we been in a situation like this? Almost zero." Cal, which finished stroke play Thursday six shots ahead of second-place Georgia Tech, entered the tournament as the favorite after winning 11 of 13 tournaments this season. The Bears, the NCAA champs in 2004, lost 3-2 to Alabama in the semifinals last year. ASU coach Tim Mickelson, PGA Tour star Phil Mickelson's brother, said he consider Cal to be in an elite class. "I don't see how it gets any better," he said. "I believe it's the best (college) team we've ever put on a golf course. If they don't win, it's a shame. But it's match play, and you never know." Deismond didn't take the Sun Devils lightly, though, and said he's similarly concerned about the Illini. "What's kind of gone under the radar screen is that those two teams are the two most improved teams in college golf this spring, period," the Cal coach said.
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Seibertron.com - The Ultimate Transformers Fansite
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Differentiate Equation 1 to find the current in the LC circuit, and use q = CV to find the voltage. From these, obtain the electric energy in the capacitor and the magnetic energy in the inductor, and sum to show that the total energy remains constant. (Hint: You'll need Equation 2 and a familiar trig identity.)
Equation 1,2
1. q = qp cos ωt


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This spring, the Causal Cool collection from Morgan Taylor is bringing back the '90s. It welcomes the sporty-chic decade with a limited-edition mix of six rad polishes inspired by the athletic wear, vivid pastels, and bright hues that ruled the school a couple decades ago. It's fresh, wearable, and undeniably cool
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Home > News > European Parliament rubber stamps plans for "Euro MIT"
July 10th, 2007
European Parliament rubber stamps plans for "Euro MIT"
The European Parliament has cautiously backed plans to create a European equivalent to the world-renowned Massachusetts Institute of Technology (MIT).
The European Institute of Technology (EIT) was due to begin operations next year, bringing together universities, research firms and business to focus on specific topics, such as climate change or nanotechnology.
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Reviewed By Curtis H (JOHNSON CITY, TN) Reviewed for a 2011 Jeep Wrangler —4/13/2016 6:23 PM
I love my sun shield it fits great I thought it would have the coverking logo on it but it does not.
Reviewed By Jessica P (Gilbert, AZ) Reviewed for a 2011 Jeep Wrangler —7/15/2015 2:20 PM
I love my Covercraft Car Sun Shade! It was custom made for my Jeep Wrangler with quality material and half the cost of other sun shades I found looking online! I was a little concern that it had such a huge gap for the rear view mirror, but let me tell you it does its job of keeping the hot Arizona sun out of my Jeep because of the quality of the material! And, the gap serves for easy installation, unlike the other expensive sun shades that come with directions on how to install. I love it!
Reviewed By Zeki O (Thomasville, NC) Reviewed for a 2009 Jeep Wrangler —7/9/2016 7:25 AM
I'm very pleased with the looks and quality of product. I had ordered it for my jeep wrangler, but it was way too big. Fits my pickup truck. Read the info as to the size and vehicle for which it is made.
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Young Jeezy - Foul Play
Posted 2 years ago
Tags: Jeezy , Hitmaker , Street Banger
Drumma Boy
This next song is dedicated to the Ndamukong Suh's and Rasheed Wallace's of the world. Those who feel the need to get aggressive and downright dirty (similar to our examples) are advised to keep Young Jeezy's Foul Play on repeat. Handling production duties on this brash, defiant cut, Drumma Boy cooks up a hi-octane, relentless trap beat. The only thing more commanding than the instrumental is Jeezy's boisterous, raspy flow. The rapper-turned-A&R-turned-rapper cranks it up a notch with some unapologetic, hostile bars that hammer home the record's sock-you-in-the-mouth vibe. Foul Play is slated to appear on Jeezy's forthcoming It's The World Vol. 2 tape, due out in late November.
Written by Lucas G.
Posted 2 years ago
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Album: #ItsThaWorld 2
Young Jeezy is thankful for each and every one of his fans, which is why the veteran rapper and his artists, YG and Dougboyz Cashout, have unleashed their latest mixtape, #ItsThaWorld 2.Included on the short, eight-track... More
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Disclosure: The authors declared no conflicts of interest.
Original Article
Midlife obesity and dementia: Meta-analysis and adjusted forecast of dementia prevalence in the united states and china†‡
Version of Record online: 12 MAR 2013
DOI: 10.1002/oby.20037
Copyright © 2012 The Obesity Society
Volume 21, Issue 1, pages E51–E55, January 2013
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Loef, M. and Walach, H. (2013), Midlife obesity and dementia: Meta-analysis and adjusted forecast of dementia prevalence in the united states and china. Obesity, 21: E51–E55. doi: 10.1002/oby.20037
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Funding agencies: This study was supported by the Samueli Institute and the Hans Gottschalk-Stiftung.
Publication History
- Issue online: 12 MAR 2013
- Version of Record online: 12 MAR 2013
- Accepted manuscript online: 18 SEP 2012 03:03PM EST
- Manuscript Accepted: 5 JUL 2012
- Manuscript Received: 6 FEB 2012
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Posted by Ruth on 23 July 2016
We have had a wedding at church today. For a glimpse, see here https://vine.co/v/5mvLzi7Hh9V
And, once the celebration inside finished, it moved outside - drummers and all. The drummers were on the doorstep, the guests were all around, and others stopped to see what was going on.
Drumming on the doorstep
It was wonderful, joyful, beautiful and celebratory. We loved it.
And of course, a wedding is a public event because marriage is a public matter; to be married has implications in our public life.
As has our faith. Our faith is not just a private thing - between me and my God, or even between us and our God. One of the significant things about our way of being church, our identity as Bloomsbury, is that we seek ways to live, and practice our faith in was that have reality in a public sphere.
And this wonderful wedding celebration has raised all sorts of questions for me about going public. Our practice of baptism is - has the capacity to be - very public. as is our practice of communion. And much that we do and commit ourselves to has significant public significant.
But how do we cross that doorstep. Even with our glass doors, the doorway to the church can be quite forbidding and hard to pass through. Watching the drummers move beyond the door and everybody follow them has made me wonder, how do we learn to do that as a congregation - to move outside with the things we know to be significant - like this document Continuing_Statement_from_West_End_Church_Leaders.docx
We have on occasions moved beyond the doors to say things that matter to us - one of the latest was when the youngsters shared Easter greetings with chalk on the doorstep.Easter Greetings
So, what else might we do to moe beyond the doors, and tell our story….?
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Posted by Ruth on 09 July 2016
Once a month, ministers in our area meet for breakfast. We have good breakfasts, interesting conversations,and gain a lot from the meetings.
We met on Wednesday, and central in our conversation was discussion around how we wanted to respond to the responses to the referendum result.
This is what we came up with.
Because we do not live in a Kingdom shaped by exclusion, by mutual suspicion, by discrimination on the basis of colour, language, ethnicity, gender, orientation or wealth.
Because the Kingdom of God is open to all, and we are committed to living it into being.
Please use this in whatever way is helpful
Posted by Ruth on 03 July 2016
We are doing lots of work on the walls of the building at the moment. Many years in the planning (that is, in getting planning permissions!!) we are finally doing various bits of work to deal with water damage, with damp and with some general refurbishment and upgrading of our downstairs Friendship Centre.
It has some significant impact on our normal ways of doing things; most notably, the kitchen is out of use for about 15 weeks, and so we are not having lunch together on a Sunday; a startlingly uncomfortable experience. Suddenly, we hardly know who we are….
However, it will not be forever, and we have already started the conversation about what things will look like when the rooms are open again - what it is we value, what it is we miss, what it is we think we are doing. If you are not yet part of this conversation, please join in; there will be a variety of ways to join in.
The changing nature of Sundays, and our pattern of meeting ought to be reflected on website.
However, there we meet the unchangingness of things. There appears to be a conspiracy of the little people who live inside the computers (if that's not a true description of it, please don;t confuse me by correcting me!) to prevent us changing the page that describes our Sundays. What is there is currently out of date. But as of today we are yet unable to change it. Which is distinctly frustrating! We have not given up hope yet….. however, we are running out of ingenuity.
But there is also the changingness of things; we are very near the launch of our new website. Watch this space. It is almost ready, and will be fully up to date in news, and information.
It feels very significant this week to be thinking about things changing and not changing, and the difficulties in both; the things we want to change and can't, the things that have to change because of other circumstances, the things that are changing but not fast enough…. here is a description of what the UK feels like this week. The decision has been made - and, things will change. But in what direction? How fast? What will it feel like and is it what we are expecting? And what about the stuff that seems stuck?
And it is not just our relationship to the EU. It is our life in the Kingdom; the life we long for, the coming of the blessing that we pray for, seek and work towards. Sometimes it seems in grasp, and sometimes it is so far away. Sometimes, we know exactly what it will look like and can see it appearing - and other times we are not at all sure what we are seeking. And all too often, our main experience is that it is all so far away.
But we keep going. For, the promise is that the Kingdom will come, and our prayer is that it will come in our prayers and our lives. We see the glimpses and we live in the now and not yet; the Kingdom is here in Jesus, and it is not yet here, as we live towards it.
And to that we hold. Even when the website is not (yet!) up to date.
Posted by Ruth on 21 June 2016
Last week was our anniversary. And a lovely occasion it was.
And this week, we celebrated the 80th birthday of our Minister Emerita, Barbara. Another lovely occasion. Barbara spoke in the service (https://soundcloud.com/bloomsbury-1/2016-06-19-am-simon-woodmanmp3#t=11:38 ) and we sang her favourite hymn. Then we shared lunch, and in the afternoon, what felt like hundreds of people (probably somewhere just over 100) gathered in the Friendship Centre to catch up, sing happy birthday, eat cake (lots and lots of cake) and celebrate.
It was a fantastic occasion. People came back who had grown up at church, or had been part of the congregation at one point, and have now moved away, people met up and caught up who don't get enough time to be together, there was laughter and memory and joy. An unbelievably HUGE thank you to all those who made it work; the catering was a triumph, the ballons were wonderful, and the invtations a work of art. And a HUGE thank you to all those who came; you made it very special.
In one way, this was not what church is about; we didn't talk about theology, we didn't pray, we didn't change the world.
Except, of course, we did.
In the midst of what has been a deeply sad, frightening and at times unbearable week, in the face of despair, and the bitter, angry campaigning that is going on, we celebrated, affirmed good relationships. There is place for lament in the face of what is going on - we ought to be taking it more seriously. There is a place for righteous challenge to the lies and scaremongering that is coming from both sides in the current campaign.
But we can get caught in such dark places, and get sucked into despair and anger when we spend too long dealing with it.
So, if is also good to remember joy, friendship, good food, laughter and happy times.
It may not change the world - but it changes us, and then we can make a difference; of such is the Kingdom built.
So, thank you Barbara, again, for leading us into service and joy.
Posted by Ruth on 13 June 2016
Whoops - a bit late this week; sorry (if anybody noticed!) Saturday, when I usaully write the blog, got swallowed up with other stuff.
And yesterday, when I catch up if I miss Saturday, was Anniversary and AGM.
It's an odd day, Anniversary. We had some lovely greetings (thank you Ekklesia and Crown Court in particular!) wishing us "happy birthday" - gladly received. But it's not actually our birthday. A bit like the Queen (and if we'd known all that was going to have been happening on June 12th when we started making plans, we'd have chosen another day!) we don't celebrate our birthday on our birthday.
Anniversary service these days generally happens sometime about the early summer - but the date is determined by when our invited preacher can come. The actual date of our founding is March (or is it - it depends on what we mean by founding…!) And over the years, our Anniversary service has wandered about.
But we do celebrate it.
And what are we celebrating…the faithfulness of God for another year, and the faithfulness of God's people. These are important things to celebrate. When the world is grim - and it is, as we read news from Orlando, from The Jungle in Calais, from Syria - when we read about brothers and sisters dying, being exiled, harmed, persecuted for their faith, when we read about hate crimes being perpetrated in the name of faith…in the face of all that, it matters to say that God is faithful and God is good. And that there are people of faith who try to live love and hope and life into being. We fail, and we are compromised, and we get it horribly wrong because we don't see well enough - either our world, or the love of God. But the faithfulness of God is unchanging.
Yesterday, Rev Dr Sam Wells preached for our Anniversary service. We were glad to welcome him (and hope he might come back sometime!) Leading us into encounter with the story of the three young men in the furnace during the reign of Nebuchadnezzar, he would not let us escape their amazing statement of faith…
If this be so, our God whom we serve is able to deliver us from the burning fiery furnace, and he will deliver us out of your hand, O king. 18 But if not, be it known to you, O king, that we will not serve your gods or worship the golden image that you have set up." (Dan 3;17-18)
Our God will save us - but even if not…..
Can we dare to live this, in our world as it is, not as we want it to be, pretend it is, insist it should be; will we live in the presence of God, even if the presence of God is not the way we want it to be?
There is a call to discover and to honur the faithfulness of God for the coming year. ...


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I live in a small town in Maine with my family. I am an artist and sculptor. I love to work on our garden of flowers and vegetables, and also to renovate the little house we live in. The picture on my profile is one of our first grandson, Jonathan. I love Maine, except for the very cold and long winters here. We have wonderful fresh well water, good land to grow things and good friends. We like to get together to have dinner with friends and after that we play the piano and sing or play board games.
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|By Leon Fayer
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|July 27, 2012 12:00 PM EDT
I've talked at length about the importance of business process monitoring alongside of system monitoring, but in discussions I found that sometimes an overview and simple examples are not enough to convince people about the benefits of this approach. Business owners think they don't need to know anything about the operational performance of their systems as long as they have their numbers, and engineers often don't feel they need to invest time into understanding the business they are supporting in detail, finding examples shown too "common sense."
One question we ask our engineers during an interview at work is to describe the process of how they would go about troubleshooting a hypothetical issue, given only the minimum information. We often hear from our clients things like, "our website is slow" and "something's wrong with registration" with no additional information, and in order to figure out the potential issue we need to review the whole system at a glance. For large applications, with a myriad of moving and interweaving components, this is not an easy task. This is one of the reasons we are looking for best of the best. But if you are monitoring all of those components, in a lot of cases, the task can be simplified.
So let's examine a real problem. A large e-commerce company called and said that they are seeing less money coming in from web transactions. They have a pretty complex system with a lot of different revenue generation points, so this observation shed very little light on the root cause of the problem. Luckily, both systems and business processes were being monitored with Circonus, so the data was available to review.
As any engineer knows - step one of troubleshooting the problem is to confirm the problem, so looking at the revenue trends seemed like a good starting point.
The graph clearly shows that, starting around April 30th, the trend looked abnormal in comparison to the previous few weeks. So it seemed like there was an actual problem, and potentially, the issue could lie in payment processor itself or somewhere in the system, preventing certain users from making a purchase. So let's overlay the traffic trends, collected from Google Analytics, against revenue graph and see if there are any common trends.
Even though the traffic showed a clear drop at the same time as revenue, the ratio remained the same, allowing us to exclude payment processor and other application logic from the equation (for now).
Note: This is the first potential breaking point in the process. It is very tempting to look at the ratios, attribute revenue decrease to traffic decrease, and stop the investigation. 99% of the time, unfortunately, nothing "just" happens, so on we go.
Now for the next step - what would be a logical cause for a drop in overall traffic to the site? Response time is probably the first thought that should come to mind. So let's look at what the HTTP checks collected.
Load times didn't seem to be deviating from the norm, but the HTTP response metric doesn't provide full visibility into the load times for a dynamic application, so let's check the health of the database and CPU usage on the server(s), to validate that the underlying platform is not the bottleneck. There are numerous metrics to monitor database and system health that should be, and in this case, are collected, but when researching the root cause of the elusive problem, diving deep into a specific component can waste time early in the process.
Both of the metrics appear well within norm, so at first glance, it seems like the problem is not a systems issue.
Note: This is the second point of the investigation where the process can break down. A lot of technologists will either report that there is no confirmation to the problem reported; the reported problem is just an anomaly because the system monitors don't exhibit any issues. This is exactly why understanding of the business by the technology team is vital.
With that said, what would be the next logical process to validate? It is not uncommon for an e-commerce site to see a drop in purchases if they either stop promoting or if their marketing campaign is ineffective: traffic to the site slows down, subsequently decreasing the number of transactions. This company, in particular, sends out tens of millions of emails a day which bring in new users, and subsequently, new conversions. So let's take a look at the email deliverability and bounce rates collected from the company's MTAs.
Bingo! The bounce rates sky rocketed at the same time as the drop in traffic and revenue stream occurred. Upon closer investigation, it appeared that one of the major ESPs accidentally blocked the delivery domain, and the emails did not go through to the recipients. The issue was resolved (after some discussions with the ESP) and the trends returned back to the expected level.
Keep in mind, if email deliverability was not the issue - there are multiple other metrics that were on a list to be verified, both system (operational and development alike) and business. The amazing part of all of this is that I was able to view the whole system at a glance in just one graph. Granted, stacking everything on one graph is probably not the most optimal every day approach, but it is very useful in a certain cases when the direct overlay correlation is needed. For everything else - a real-time dashboard that displays all the vital points of the business at any given moment is a must-have for anyone responsible for business and/or system health.
Everyone responsible for the success of a business, regardless of the role, needs an ability to see the status of the whole business at a glance at any given point. System engineers don't need to know all the ins and out of marketing, but they should be aware of the overall organizational goals, and should be able to spot irregularities in the business trends. Similarly, CEOs don't need to know how systems work in the background, but should be able to correlate high email bounce rates (if it's critical to the business) to a decrease in purchases.
The point of all of this is that everything should be monitored, and to suggest some tools and methods that can enable users in all roles--within any organization--to ensure the success of the business. Get 'em, learn 'em, use 'em! You will thank me later.
The IoT is changing the way enterprises conduct business. In his session at @ThingsExpo, Eric Hoffman, Vice President at EastBanc Technologies, discussed how businesses can gain an edge over competitors by empowering consumers to take control through IoT. He cited examples such as a Washington, D.C.-based sports club that leveraged IoT and the cloud to develop a comprehensive booking system. He also highlighted how IoT can revitalize and restore outdated business models, making them profitable ...
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SYS-CON Events announced today that Isomorphic Software will exhibit at DevOps Summit at 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Isomorphic Software provides the SmartClient HTML5/AJAX platform, the most advanced technology for building rich, cutting-edge enterprise web applications for desktop and mobile. SmartClient combines the productivity and performance of traditional desktop software with the simp...
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"When you think about the data center today, there's constant evolution, The evolution of the data center and the needs of the consumer of technology change, and they change constantly," stated Matt Kalmenson, VP of Sales, Service and Cloud Providers at Veeam Software, in this SYS-CON.tv interview at 18th Cloud Expo, held June 7-9, 2016, at the Javits Center in New York City, NY.
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Internet of @ThingsExpo, taking place November 1-3, 2016, at the Santa Clara Convention Center in Santa Clara, CA, is co-located with the 19th International Cloud Expo and will feature technical sessions from a rock star conference faculty and the leading industry players in the world and ThingsExpo Silicon Valley Call for Papers is now open.
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We all know the latest numbers: Gartner, Inc. forecasts that 6.4 billion connected things will be in use worldwide in 2016, up 30 percent from last year, and will reach 20.8 billion by 2020. We're rapidly approaching a data production of 40 zettabytes a day – more than we can every physically store, and exabytes and yottabytes are just around the corner. For many that's a good sign, as data has been proven to equal money – IF it's ingested, integrated, and analyzed fast enough. Without real-ti...
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Actian Corporation has announced the latest version of the Actian Vector in Hadoop (VectorH) database, generally available at the end of July. VectorH is based on the same query engine that powers Actian Vector, which recently doubled the TPC-H benchmark record for non-clustered systems at the 3000GB scale factor (see tpc.org/3323). The ability to easily ingest information from different data sources and rapidly develop queries to make better business decisions is becoming increasingly importan...
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SYS-CON Events announced today that 910Telecom will exhibit at the 19th International Cloud Expo, which will take place on November 1–3, 2016, at the Santa Clara Convention Center in Santa Clara, CA. Housed in the classic Denver Gas & Electric Building, 910 15th St., 910Telecom is a carrier-neutral telecom hotel located in the heart of Denver. Adjacent to CenturyLink, AT&T, and Denver Main, 910Telecom offers connectivity to all major carriers, Internet service providers, Internet backbones and ...
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[guide] Cloud Analytics for Dummies | @CloudExpo @Informatica #API #Cloud #Analytics #BusinessIntelligence
Cloud analytics is dramatically altering business intelligence. Some businesses will capitalize on these promising new technologies and gain key insights that'll help them gain competitive advantage. And others won't. Whether you're a business leader, an IT manager, or an analyst, we want to help you and the people you need to influence with a free copy of "Cloud Analytics for Dummies," the essential guide to this explosive new space for business intelligence.
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You think you know what's in your data. But do you? Most organizations are now aware of the business intelligence represented by their data. Data science stands to take this to a level you never thought of – literally. The techniques of data science, when used with the capabilities of Big Data technologies, can make connections you had not yet imagined, helping you discover new insights and ask new questions of your data. In his session at @ThingsExpo, Sarbjit Sarkaria, data science team lead ...
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ReadyTalk has expanded the capabilities of the FoxDen collaboration platform announced late last year to include FoxDen Connect, an in-room video collaboration experience that launches with a single touch. With FoxDen Connect, users can now not only engage in HD video conferencing between iOS and Android mobile devices or Chrome browsers, but also set up in-person meeting rooms for video interactions. A host's mobile device automatically recognizes the presence of a meeting room via beacon tech...
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Qosmos has announced new milestones in the detection of encrypted traffic and in protocol signature coverage. Qosmos latest software can accurately classify traffic encrypted with SSL/TLS (e.g., Google, Facebook, WhatsApp), P2P traffic (e.g., BitTorrent, MuTorrent, Vuze), and Skype, while preserving the privacy of communication content. These new classification techniques mean that traffic optimization, policy enforcement, and user experience are largely unaffected by encryption. In respect wit...
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Manufacturers are embracing the Industrial Internet the same way consumers are leveraging Fitbits – to improve overall health and wellness. Both can provide consistent measurement, visibility, and suggest performance improvements customized to help reach goals. Fitbit users can view real-time data and make adjustments to increase their activity. In his session at @ThingsExpo, Mark Bernardo Professional Services Leader, Americas, at GE Digital, discussed how leveraging the Industrial Internet a...
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On Dice.com, the number of job postings asking for skill in Amazon Web Services increased 76 percent between June 2015 and June 2016. Salesforce.com saw its own skill mentions increase 37 percent, while DevOps and Cloud rose 35 percent and 28 percent, respectively. Even as they expand their presence in the cloud, companies are also looking for tech professionals who can manage projects, crunch data, and figure out how to make systems run more autonomously. Mentions of 'data science' as a skill ...
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In his session at Cloud Expo, Robert Cohen, an economist and senior fellow at the Economic Strategy Institute, will provide economic scenarios that describe how the rapid adoption of software-defined everything including cloud services, SDDC and open networking will change GDP, industry growth, productivity and jobs. This session will also include a drill down for several industries such as finance, social media, cloud service providers and pharmaceuticals.
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IoT generates lots of temporal data. But how do you unlock its value? You need to discover patterns that are repeatable in vast quantities of data, understand their meaning, and implement scalable monitoring across multiple data streams in order to monetize the discoveries and insights. Motif discovery and deep learning platforms are emerging to visualize sensor data, to search for patterns and to build application that can monitor real time streams efficiently. In his session at @ThingsExpo, ...
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Ixia (Nasdaq: XXIA) has announced that NoviFlow Inc.has deployed IxNetwork® to validate the company's designs and accelerate the delivery of its proven, reliable products. Based in Montréal, NoviFlow Inc. supports network carriers, hyperscale data center operators, and enterprises seeking greater network control and flexibility, network scalability, and the capacity to handle extremely large numbers of flows, while maintaining maximum network performance. To meet these requirements, NoviFlow in...
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Choosing the right cloud for your workloads is a balancing act that can cost your organization time, money and aggravation - unless you get it right the first time. Economics, speed, performance, accessibility, administrative needs and security all play a vital role in dictating your approach to the cloud. Without knowing the right questions to ask, you could wind up paying for capacity you'll never need or underestimating the resources required to run your applications.
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Security, data privacy, reliability and regulatory compliance are critical factors when evaluating whether to move business applications from in-house client hosted environments to a cloud platform. In her session at 18th Cloud Expo, Vandana Viswanathan, Associate Director at Cognizant, In this session, will provide an orientation to the five stages required to implement a cloud hosted solution validation strategy.
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"delaPlex is a software development company. We do team-based outsourcing development," explained Mark Rivers, COO and Co-founder of delaPlex Software, in this SYS-CON.tv interview at 18th Cloud Expo, held June 7-9, 2016, at the Javits Center in New York City, NY.
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Continuous testing helps bridge the gap between developing quickly and maintaining high quality products. But to implement continuous testing, CTOs must take a strategic approach to building a testing infrastructure and toolset that empowers their team to move fast. Download our guide to laying the groundwork for a scalable continuous testing strategy.
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Luke Hemsworth and Liam Hemsworth - The Hunger Games Catching Fire Premiere - Los Angeles, California, United States - Tuesday 19th November 2013 (3 Pictures)
Luke Hemsworth and Liam Hemsworth
Photo credit: Apega
Luke Hemsworth and Liam Hemsworth
Photo credit: Apega
Luke Hemsworth and Liam Hemsworth
Photo credit: Apega
View All: Hunger Games Catching fire
Next Luke Hemsworth Slideshow: Inaugural Oceana Ball - New York City New York United States - Monday 8th April 2013
The 1969 session, including the only known recording of 'Sunshine Woman' by the band, will be included on a re-issue of 'The Complete BBC Sessions'...
The 55 year old actor joined Chris Martin and co. on stage in New Jersey to perform 'Earth Angel' and 'Johnny B. Goode'.
Bjork Digital comes to London's Somerset House in September, along with a single live show at the Royal Albert Hall.
Kim Kardashian released an audio excerpt from a phone call between Kanye and Taylor Swift over the lyrics of 'Famous' - but if it was recorded...
There's very much a strength of conviction in remaining what you were, but arguably more so in becoming what you want to be.
The BBC drama starring Aidan Turner returns to BBC One on September 4th.
Guns N' Roses were detained at the Canadian border last week for gun possession but they're adamant the weapon didn't belong to them.
Charlie Wolfe (Simon Pegg) is a professional hit man. Living in Australia, he take the...


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1. I was in Dubai on a one-night stopover a few years ago. The hotel asked for an imprint of my credit or debit card, which is perfectly normal.
When I arrived in Madrid 24 hours later and tried to extract cash from an ATM, I found I didn't have enough funds.
The hotel had extracted $900 from my card and then refunded me in its own sweet time, which was about 10 days.
I'd loaded it with $1000 so I had to do a bit of mad scrambling to find an alternate way of financing my trip.
These days, I hand over a credit rather than debit card but I still absolutely detest this practice. I don't think it's hospitable of a hotel to assume you're a lowlife the moment you check in. There may be a few people who scarper without paying their bill, but the majority don't.
Some hotels hold the funds in escrow and reverse them upon check-out. But still I don't like it. Call me cranky, but it's one of the things I most hate about travel.
2. Then there are the Luggage Desperados. You're all in the same boat, waiting at the carousel for your luggage. You stand back a few feet so that everyone can see their bags and have room to pull them off. And then that space starts filling in with people who seem to feel that if they don't stand right on top of the carousel and grab their bag the minute it reaches them they lose.
It's not a competition. But these insufferably rude people think it is.
3. I quite like a chatty pilot who fills you in on the flight details as you're preparing for take-off. But there's such a thing as too much information, guys and gals. I don't need to know that we can expect some patches of turbulence during the flight. I'll spend the next few hours worrying about when they might be.
In my experience, it often doesn't come to pass or the pilots manage to go around it. I've had white knuckles for nothing. And, please, don't put the seat belt sign on and leave it on for hours over smooth skies.
4. I hate hotels that make up the beds with duvets and no sheets. This happens frequently in tropical countries, oddly enough. The airconditioning is so frigid you need Arctic-strength bedding. But I always turn the AC down or open a window if I can. So I'm hot under the duvet and cool when I fling it off. Is a sheet such a big ask?
5. I hate paying for Wi-Fi. I don't care if it's there so a hotel can offer it as a perk on their loyalty program. It's not a perk, it's as necessary as hot running water. If maintaining the network does cost the hotel something, hide it in the room charge.
6. On the subject of hotel hates, when will big corporate hotels realise that women also travel for business and need to do their make-up in the mornings in lighting that's a tad more flattering than Fluoro Shopping Mall. Also, a make-up mirror would be nice.
7. And could the maids or maintenance check that the alarm isn't set, that there is a working globe in the reading lamp and there are fresh batteries in the TV remote?
8. I hate business people who continue loudly talking business into their mobiles after we've all boarded and are waiting for take-off. We know you're important. Heaven help us all when mobile connectivity is available on all airlines for all flights.
9. I love children and I'm entirely sympathetic to parents with colicky babies or wound-up toddlers on flights. But don't get mad when I turn around and firmly discipline your child for kicking the back of my seat constantly for nine hours while you sit there with your headphones on, saying nothing.
10. Taxi drivers who rely on GPS systems rather than their brains. Last week, trying to reach the Queen Mary 2, which was docked in Port Melbourne, we could see it looming hugely in the distance, but the driver's GPS diverted us to a pier a couple of kilometres short.
All the yelling and pointing in the world could not convince him the GPS was wrong.
Let's not talk about the Reclining Seat Vigilantes...
Have you experience the Luggage Desperados effect? Do you hate paying for Wi-Fi or over informative pilots? Post your comments below.
- FFX Aus
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"Had Ger Forde do some work in my garden and found him very efficient. He was very careful with my animals and greenhouse. His atte"
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Flynn Refrigeration and Air Conditioning
Refrigeration and Air Conditioning
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"Kids Hip Hop Dance Classes Tramore - Cairn Dubh Community Centre Tramore Monday Classes: 6.30pm-7.30pm 7 Years + (Beginners) "
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Finishing Touches Interior Painter
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Welcome to the Maureen Tobin - Life Coach Citylocal listing. Maureen Tobin - Life Coach is a business that is listed in the following category - Life Coaching and can be contacted at 087 949 0286.
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Yuka Oiwa is a summer intern through the Summer on the Cuyahoga program at the Ingalls Library in the Cleveland Museum of Art. Learn about her experiences working with the director of Library and Archives and other special projects.
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...I enjoy working with ESL students and recently earned a certificate in Teaching ESL!ESL tutoring is so rewarding because students are motivated to learn. I have worked with native speakers from many different countries and they all want the same thing--to understand and to be understood. Not only do we work hard to attain this goal, but we have fun doing it.
6 Subjects: including writing, English, ESL/ESOL, proofreading
Morrisville, PA
...My area of specialty is language arts at all levels (reading/writing/comprehension) but I can tutor in any subject area K-3. My students have always found me to be fun, energetic and supportive. Together, your child and I will determine his/her learning style and set up concrete goals, assessing and adjusting throughout the process.
11 Subjects: including writing, reading, English, grammar
Mahwah, NJ
...I have been teaching Art for the past 2 years but have been creating my entire life, since childhood. I studied design at Pratt Institute of Art in Brooklyn, NY. I have designed and produced several back drops for events at my school including Christmas and school plays, talent shows, and others.
20 Subjects: including writing, Spanish, reading, English
Neptune, NJ
...As I mention in my profile I have had over 28 years of teaching ESL in the USA and France, and am currently working with many students, children and adults of all nationalities helping them become more proficient at English. Often this occurs with a special focus on American English, particularl...
8 Subjects: including writing, English, reading, ESL/ESOL
Madison, NJ
...Vocabulary cannot be taught in one or two sessions: its development takes a lifetime. During my tutoring sessions with ESL students, I define words when I am asked, but I don't expect the student to remember and use a new word right away. Research shows that we must encounter a new word 16 times before we can assimilate it into our own vocabulary.
9 Subjects: including writing, reading, ESL/ESOL, English
New York, NY


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Forum indexCanon SLR Lens TalkChange forum
canon 15-85mm lens
Started Sep 19, 2010 | Discussions thread
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I've used it on a 400D also w/no problems. This is the best lens in it's range I've ever owned all around Sharp, good build for a non-L, no big problem with CA. I pretty much stopped using my kit lens, my 12-22, 17-85, etc after getting this. I also compared it in the field with the more expensive 24-105 L. I was very hard for me to discern an IQ difference, which is why I didn't buy the L.
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measurement coordinator jobs near Bellaire, TX
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Senior Development Engineer
Tri Alpha Energy - United States
Ability to set up tests, take measurements, and perform statistical data analysis of the results. Able to work independently, as well as a member and...
Corporate Communications Coordinator
Stewart Title Guaranty Company - Houston, TX
Corporate Communications Coordinator. Assist in the measurement of communication activities and their effectiveness....
DME Coordinator & Orthotic Fitter
Select OrthoDME Solutions - Houston, TX
SOS is seeking an entry level DME Coordinator and Orthotic Fitter (DMEC). Including but not limited to fitting, refitting, custom measurement, education,...
Digital Media Coordinator
Silver Eagle Distributors L.P. - Houston, TX
Use digital analytics to craft insights and provide measurement and ROI. Design software (Photoshop, InDesign, Corel Draw, and/or Illustrator), WordPress, video...
Communications Coordinator - STARTS MONDAY
Creative Circle - Houston, TX
+ Strong social media skills with analytical measurements tools (Google Analytics). Our client, a renowned musical company, is looking for a marketing...
Research Coordinator II
Baylor College of Medicine - Houston, TX
Knowledge in conducting heights, weights, GPS and CSA measurements, behavioral, and physical activity questionnaires helpful....
Event Coordinator Fox and Hound / Baileys
Last Call Operating Co. I, Inc. & Operating Co. II - Houston, TX
You will be subject to a 12-month measurement period. The Event Coordinator responsibilities include but are not limited to:....
Care Coordinator
naviHealth - Pasadena, TX
Perform functional assessments of members using clinical skills and appropriate measurement tools. The health care team includes physicians, health plan UM/CM...
Client Service Coordinator
Banfield Pet Hospital - Houston, TX
Client Service Coordinator. Ability to convert units of measurement. The Client Service Coordinator ("CSC") drives the flow of clients and pets through the...
Inspector – Liquid Petroleum Gas (LPG)
Amspec Services - Houston, TX
To perform, by specified methodology, visual observation, volume measurement, temperature measurement, and sampling of commodity materials contained or conveyed...


text: Missoula Montana Montana Task Force Needs Funds, FBI To Test Rape Kits By Mara Silvers • 5 hours ago Mara Silvers Listen Listening... / 3:27 Montana Task Force Needs Funds, FBI To Test Rape Kits The Sexual Assault Evidence Task Force set up by the attorney general last November met for the third time in Missoula last Friday. Dr. Phil Kinsey gave fellow task force members an idea of how labor-intensive and time-consuming it is to test so-called rape kits during a tour of the state crime lab. Faun And A Pan Flute: When Minimalism Meets Psychedelia By Cole Grant • Jul 21, 2016 Faun and a Pan Flute Faun and a Pan Flute is a collectively-led experimental nonet from Atlanta, GA. Their restless soundscapes are both demented and uplifting; restrained yet chaotic; complex, but still accessible. Though abstract, these avant-warriors provide a create-your-own-ending sort of narrative with their compositions, all based around primal rhythms and controlled chaos. International Choral Festival Photo Gallery By MTPR • Jul 14, 2016 Mike Albans Pictures from the International Choral Festival of Missoula, going on through the weekend. If you can't make it to the festival, tune in to MTPR Friday at 2:00 p.m. for a live broadcast of choirs from Hong Kong and Costa Rica. Wheels Across Montana Loans Bikes To Disabled Montanans By Mara Silvers • Jul 14, 2016 DoD News, CC 160424-D-DB155-001 Listen Listening... / 1:42 Wheels Across Montana Loans Bikes To Disabled Montanans Summertime in Montana beckons bicyclists in hordes. They hit the trails to enjoy nature, exercise, and to spend time with each other. But for Montanans with disabilities, the sport can be inaccessible. Missoula's International Choral Festival: Making The World Smaller Through Music By Chérie Newman • Jul 14, 2016 Mike Albans Listen Listening... / 4:57 International Choral Festival: Making The World Smaller Through Music "One of the choir members we [hosted] had said that they would never, ever allow anyone to say anything against the United States of America after coming to this." That's Karen Somerset, talking about the International Choral Festival, a four-day celebration of singing and culture that happens in Missoula every three years. This is Festival week and Karen and her husband, Ray, are hosting people from Poland. New And Improved Vet Center Opens In Missoula By Edward O'Brien • Jul 7, 2016 Courtesy Montana Vet Centers Listen Listening... / 1:07 New And Improved Vet Center Opens In Missoula Missoula-area veterans now have a new and improved Vet Center at their disposal. These centers help combat veterans readjust to civilian life after what can be intense deployments overseas. Fires Prompts Pre-Evacuation Prep In Missoula, Bitterroot By MTPR News • Jun 30, 2016 PD Listen Listening... / 0:57 Wildfire Near Missoula Prompts Pre-Evacuation Prep Missoula County Sheriff deputies today warned residents of Horseback Ridge near Missoula to prepare for evacuation, after a new wildfire was discovered Thursday afternoon. It's located at Blue Mountain on the southwest side of Missoula. Montana Responds to Orlando Shooting With Pride By Mara.Silvers & & Associated Press • Jun 17, 2016 Mara Silvers Listen Listening... / 2:37 Gay Pride Rainbow On Display At UM's Main Hall Organizers are expecting more than 1,500 people to attend the Big Sky Pride celebration in Great Falls this weekend. But following the mass shooting at a gay club in Orlando this past weekend that left 50 people dead and 53 more injured, Big Sky Pride President Kev Hamm of Helena says he hopes the event that starts this afternoon will draw a much bigger crowd. Close to 5,000 people attended last year's parade in Missoula. The weekend celebration includes meals, entertainment and dancing, along with a bike ride, parade and rally on Saturday. It is open to all members of the lesbian, gay, bisexual and transgender community, and those who support them. In Missoula, nearly 100 people gathered in front of the University of Montana's Main Hall last night to see a rainbow. The plain brick building was lit with the colors of the gay pride flag to support the victims of last Sunday's massacre in Orlando. To Save Their Home, Missoula Bike Shop Shifts Fundraising Into High Gear By Cole Grant & Nora Saks • Jun 16, 2016 Mara Silvers Listen Listening... / 2:49 To Save Their Home, Missoula Bike Shop Shifts Fundraising Into High Gear A Missoula nonprofit that gives away bicycles and helps people learn to fix them is under the gun to raise enough money to buy a permanent home in Missoula. Zinke And Juneau Debate Over Debates By Corin Cates-Carney • Jun 14, 2016 Denise Juneau: courtesy Bronte Wittpen; Ryan Zinke: William Marcus Listen Listening... / 2:15 Zinke And Juneau Debate Over Debates Candidates for Montana's House seat are calling for debates to challenge each other on key issues. But the campaigns don't agree on when and where those debates should take place. Republican Rep. Ryan Zinke and Democrat Denise Juneau have both proposed dates and venues for debates. Pages1 2 3 4 5 6 7 8 9 … next › last »


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Written on: 08/07/2008 by bizley (2 reviews written)
Flowers ordered from Interflora for my uncle's funeral were not delivered. I complained but after 3 weeks have yet to receive any explanation or apology. Not what I would expect from a Company which deals in such personally sensitive areas of business.
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" Dont respond to emails " Read More
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" Flowers to Iceland! " Read More
Written by cookie19
" DO NOT USE " Read More


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Sea Dream Spain com . Caños de Meca
From $110 / night
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Description from the owner
Bedrooms: 2/
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Type: House
Book this 2 bedroom, 1 bathroom house in Los Canos de Meca today! A total of 4 people can sleep here comfortably.
Guests can enjoy a parking space among other amenities offered by this rental.
No travelers have shared a review of this property yet.
Costs vary, with the average weekly rate as low as $550.00 to as high as $875.00, depending on travel dates.
The owner responds to 65% of inquiries, which is lower than average, and last updated the property's calendar 4 days ago.


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Joined on Sep 18, 2012
|Total: 4, showing: 1 – 4
Unfortunately domestic violence happens every day all other the world.
I voted for the Canon 5D MKIII, but the Nikon D800 is also a good camera.
I checked Steve McCurry's blog and his awesome pictures. I do have the original magazine (NG mag) of the Afghan girl a few decades ago, and I believe he went back over there a few years ago to try to locate this person and he found her again. This picture made the round over the world and is really famous, and it is this picture that gave me this intellectual curiosity for photography. That said, his work is simply remarkable, and each picture is magnificent and breathetaking.
For the picture, called "Le baiser de l'hotel de ville" by Doisneau, it was staged of course, but the picture became too famous before they found out this treason. There are many "historical" and "unforgettable" pictures that have been staged, before we find out it was all fake.
More clutter in the apartment, yay!
I'm still trying to save money to own the new MKIII (donations are welcome).
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The effect of metformin, pioglitazone and sitagliptin on β-cell function in the treatment of type 2 diabetes is controversial. Therefore, we performed a systematic review and meta-analysis to obtain a better understanding in the β-cell effects of metformin, pioglitazone and sitagliptin.
We searched Pubmed and the Cochrane Center Register of Controlled Trials to identify relevant studies. Trials investigating effects of sitagliptin, metformin or pioglitazone on β-cell function were identified. The primary outcomes were homeostasis model assessment of β-cells (HOMA-β) and proinsulin/insulin ratio (PI/IR). Secondary outcome was hemoglobin A1c level. We used version 2 of the Comprehensive Meta Analysis software for all statistical analyses.
Metformin monotherapy was more effective than sitagliptin in improving HOMA-β (18.01% (95% CI 11.09% to 24.94%) vs. 11.29% (95% CI 9.21% to 13.37%),
The included RCTs were of short duration (12–54 weeks). We could not determine long term effects on β-cells.
Metformin improves β-cell function more effectively than pioglitazone or sitagliptin in type 2 diabetes patients. Metformin and sitagliptin improved HOMA-β and PI/IR more than other combinations.


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|Reviews for Rough Petals
| FamishedNight chapter 24 . 12/13/2012
Awesome story!
| Ellis chapter 1 . 11/23/2012
YOU are my favorite english writer, and I mean it. It's such a shame all your other stories are in hiatus :(.
Rough Petals is an unforgetable story for me, all your characters are great, really. I hope you'll come back soon ! 3
| DreamsOnlyLastForTheNight chapter 24 . 11/8/2012
Just wanted to say that this has to be one of the best stories I've read on fictionpress, and trust me, I've real a lot of stories on here! It was very well paced and the romance and characters were very believable. I loved the main characters, and I loved how strong Charlie was. Just in general I loved this story! :)
| leavesfallingup chapter 22 . 11/8/2012
Finally! One of them finally out-stubborned the other. It's a good thing that she didn't sleep over at a friends house.
| leavesfallingup chapter 21 . 11/8/2012
You're enjoying dragging this out entirely too much.
| leavesfallingup chapter 19 . 11/8/2012
It did come back to haunt her. It was impossible that it wouldn't when they live and work in the same area.
| leavesfallingup chapter 18 . 11/8/2012
Vince turned out to be truly scary. He doesn't respect the girls he pays for, so naturally he doesn't feel any compunction to be kind. Wonder how much the fish cost?
Poor Cole: blamed for the abuse and confronted by man-mountain Noah.
Is the Vince issue completely over?
| leavesfallingup chapter 17 . 11/8/2012
Hatred and bitterness is a poison that affects the hater, the hated, and any number of others who get caught in the crossfire.
| leavesfallingup chapter 16 . 11/8/2012
That was a dramatic event, made more so because it threw people together who never wanted to be together again. What a mess.
The little girl is cute.
How did you type this story with such tiny hands (claws)? Do they make special typewriters for squirrells?
| leavesfallingup chapter 15 . 11/8/2012
It is never pretty to see how children and parents who dislike each other behave. It is sad and it never makes anyone look good.
| leavesfallingup chapter 14 . 11/8/2012
The title, as well as that entire conversation, was funny. The next story was sad.
What is she going to do about Vince now? Will he gracefully leave her alone or will he cause problems? Somehow the possibility of people finding out what she was doing is like a shadow on the story.
| leavesfallingup chapter 13 . 11/8/2012
So they are finally together. The fight didn't make a lot of sense... and I'm a guy. At least it made the two guys relax afterwards.
| leavesfallingup chapter 12 . 11/8/2012
The scene with the dog would have played out perfectly on the big screen. That was hilarious
| leavesfallingup chapter 11 . 11/8/2012
That was unfortunate. She is already afraid of opening her heart to a true relationship, so this would be devastating.
| leavesfallingup chapter 5 . 11/7/2012
You can't help but feel sorry for Mel. He had to know that she was hoping for at least a little enthusiasm. So why did he deliberately hurt her like that? Up until this point in the story I liked the guy, but now I'm just a little confused. His actions don't seem to be in-character with his previous behavior in the story.
Is he deliberately pushing Mel away so that she'll move on with her life?


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Must Hear: Do They Know It's Christmas
Fri, December 21, 2012
Every holiday season we return to this song and video and remind ourselves to open our hearts to people around the world struggling to find basic sustenance. Food and shelter. Bob Geldof founded Band Aid almost thirty years ago to help aid and address those trapped by famine in Ethiopia. This video helped spread the message throughout the world. To this day, what a great song and what a great collection of artists. How young they were. How great they are….
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