text:
Relationship Manager - Loan against Property (LAP) in Bhopal
Capital First Ltd.
- 1 - 5 years Exp
- ₹ 25,000 - 42,000
per month
- Graduate
- Male/Female
- Bhopal
- Function : Sales / Business Development
- Hiring Industry : Banking / NBFC
Job Description
- The job requires the incumbent to be responsible to generate business for Loan against Property and build a quality portfolio.
- The role needs experience in handling Channel Partners and DSA for managing business.
- Extensive knowledge of mortgage services, products, operations, and current market trends will be an added advantage.
- You must have good networking, relationship building and new business development skills.
- You must be target oriented with ability to handle multiple tasks.
- You must identify the need of changing market trends, channel development.
- Performance bonus and incentives based on company policy.
Selection Criteria
- Minimum educational qualification must be Graduation in any stream, MBA/PGDM will be preferred.
- Age should not be more than 27 years
- Must be able to speak and write well in English
- Should not be an off roll employee with his current employer.
- Must have at least 1 year of LAP Sales experience


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Singer and songwriter sensation Shakira may also be considered a fan by association, but that doesn't make her any less fierce! Her relationship with boyfriend Gerard Piqué has given FC Barcelona a new sexy siren cheering them on in the stands, which happens to coincide with some recent success the soccer team has been having the past several years. Coincidence? We're not sure, but the birth of Shakira's baby will surely add yet another new fan to the sport!
Slide type
Standard Slide
Slide Orientation
Ad Zone
Custom Text
Migrated Slide Image
Photo credit
Getty Images

subset: commoncrawl


text:
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text:
167th forced to withdraw from air show
MARTINSBURG – The 167th Airlift Wing has had to withdraw from the Thunder Over the Blue Ridge air show and open house because of U.S. Department of Defense budget cuts and fiscal uncertainty, according to a statement released Tuesday.
"Unfortunately, the uncertainty in our national financial picture has forced us to consider the possibility of some rather dramatic cuts in our funding," Col. Roger Nye, commander of the 167th, said in a news release. "I must ensure all the members of the 167th Airlift Wing are fully trained and ready to do the work we do for our nation."
The 167th had hosted the air show and opened its facilities to the public the past three years.
Reached by phone Tuesday, Nye, who is scheduled to retire this year, said he was somewhat personally disappointed the 167th had to bow out.
"It's for the good of the wing and the nation," he said.
The Thunder Over the Blue Ridge air show will move to the civilian side, TOBR President Nic Diehl announced at Tuesday morning's Eastern Regional Airport Authority meeting.
"I hope a lot of our people will volunteer to help at the air show to support the United Way and Thunder Over the Blue Ridge," Nye said. "I will be there, not in uniform, but I will be there to help support United Way and the Thunderbirds."
Proceeds from the air show and open house have gone to United Way of the Eastern Panhandle.
At the authority's meeting Tuesday, Diehl said TOBR board members voted Thursday to move the show to the civilian side. Diehl asked the members of the authority for permission to hold the air show on the civilian side.
"I'm confident we can host a nice event," he said. "We can showcase the civilian side."
Diehl said the U.S. Air Force Thunderbirds demonstration team would perform as scheduled as well as civilian acts that have committed to appear at the show.
The civilian side of the Eastern Regional Airport hosted three or four air shows in the past, including an appearance by the Thunderbirds.
Airport Manager Bill Walkup said there would be no cost to the Airport Authority, adding that he has requested the authority receive part of the proceeds.
Rick Wachtel, chairman of the Airport Authority, said he had been in contact with Pete Mulford, executive director of UWEP, and Mulford had no objections to moving the air show to the civilian side. Wachtel said Mulford would agree to directing a portion of the proceeds to the authority.
"I think it's great that the Airport Authority is willing to step up – I'm happy to see it," Mulford said of moving the show to the civilian side. "Disbursement of the proceeds is up to the TOBR board, but we would be willing to share."
UWEP will continue to recruit volunteers to staff the gates and concessions, Mulford said in a telephone interview Tuesday.
"We're excited," he said. "Bringing the Thunderbirds back is a huge win for the region."
Diehl said after the meeting a nominal entry fee would be charged, probably around $10 or $15. Parking would be free.
Attendance was free of charge while the 167th hosted the show. Guests were asked to make a $10 donation to United Way.
Airport Authority members unanimously approved hosting the air show, scheduled for May 11-12.
More information will be available on the TOBR website at www.martinsburgairshow.com.
– Staff writer John McVey can be reached at 304-263-3381, ext. 128, or email@example.com.


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Remember that traffic can be heavy. Please arrange enough time for comfortable commute.
Trains run between Gdansk-Wrzeszcz and Airport Gdansk. Some of the courses go to the Gdansk-Osowa and Gdynia.
Frequency: ~15 minutes during the day. In the morning and in the night there are courses matched to the morning and night flights.
Tickets available in ticket machine placed on the east side of the new airport terminal.
Trains from Gdynia and Gdansk-Wrzeszcz. Timetables and stations: skm.pkp.pl
City bus lines:
Gdynia Głowna (Railway Station) - Airport: 4A
Passengers arriving to Tricity by train can catch a bus to get to the airport. There is fast busline 210 and night busline N3 from Gdansk Głowny. Bus number 110 leaves from Wrzeszcz train station and bus 4A goes directly to airport from Gdynia Głowna train station.


text:
Mifid II's delegated acts face fresh delays
Financial firms may have to wait a little longer for the final details of sweeping changes to Europe's trading rulebook, which are now expected to be published in March rather than January as many had expected.
The so-called delegated acts for the EU's revised Markets in Financial Instruments Directive – which turn the political goals of the regulation into practical standards – were expected to be published by the European Commission at the end of January.
However, a timetable produced by the Commission's Directorate-General for Financial Stability, Financial Services and Capital Markets Union dated January 13, and seen by Financial News, indicates that the bulk of the delegated acts are set to be produced in March.
With Mifid II already set to come into force a year later than planned in January 2018 to ensure regulators have time to update their IT systems, delays to the final technical details could push that start date out even further.
Once the acts are published by the Commission, they must be finally accepted by the Parliament and the Council of Ministers within three months, though they can extend this scrutiny period by another three.
The Commission declined to comment.
The acts are eagerly anticipated as they cover some of Mifid II's more contentious issues, including the unbundling of payments for research and execution and what constitutes high-frequency trading.
Draft copies were leaked in December, indicating the Commission had eased restrictions around payments for certain types of research, and paved the way for the continued use of commission-sharing agreements – which allow fund managers to trade with one broker and direct it to pass commissions to another firm to pay for research.
The rest of Mifid II's final rules are being laid out through regulatory technical standards, which cover more complex issues such as new transparency requirements for bonds and limits on dark pool and commodities trading.
The RTSs were published by the European Securities and Markets Authority in September and are currently being approved by the Commission. The January 13 timetable indicated that the approved standards would be published in February.
The Commission can amend the RTSs if it wishes. Areas such as pre-trade trade transparency rules for non-equities are among the standards most open to change, according to Kay Swinburne, a Welsh MEP who sits on the Econ committee, in a speech to the Association for Financial Markets in Europe on January 15.
The Commission is also expected to confirm the length of Mifid II's delay in the coming weeks, according to a person familiar with the matter.
Concerns over the timetable for Mifid II was first raised by Esma in October, when it wrote to the Commission stating its IT systems were unlikely to be ready for a start of 2017. Since then, the Commission, Parliament and European Council have all signalled their support for a delay but a legislative proposal for the move has yet to materialise.
On January 18, Steven Maijoor, Esma's chairman, was quoted by Reuters as saying that a 12-month delay may not be long enough, particularly if Mifid II's delegated acts and RTSs are delayed.
Any delay will also have consequences for national regulators, who are tasked with turning the directive's standards into national law by June 2016.
Representatives of the finance ministries in 17 member states, including the UK, sent a letter – seen by FN on January 28 – to Olivier Guersent, the director-general of the European Commission's financial services department, requesting that there should be a nine-month period between the entry into force of the delegated acts, and the deadline for them to be built into national law.
Additional reporting by James Rundle


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Press Room
Association News
Jan 26, 2016
Covers what you need to know about the new requirements.
Jan 25, 2016
CFPB offers tools to assist in complying with future HMDA requirements.
Jan 25, 2016
Review the requirements to help your credit union remain in compliance.
Jan 25, 2016
Provides official guidance for financial institutions on cashing savings bonds.
Jan 21, 2016
A Filene Research Colloquium on Tuesday, Jan. 26 in Newark, NJ.
Jan 21, 2016
A new generation of consumers is about to enter the marketplace, changing the rules for all of us.
Jan 21, 2016
Exclusive savings with the ADT Credit Union Member Plan.
Jan 21, 2016
CUNA Mutual is ready to assist with any claims.
Jan 21, 2016
Full migration expected to be completed by 2017.
Jan 19, 2016
Covers the complex and perplexing issues financial institutions face when completing the CTR.
CU News
Oct 25, 2016
Register now to attend, and gain insight & ideas from industry leaders.
Oct 21, 2016
Employees discuss CU's "authentic difference" with members.
Oct 19, 2016
Andrews Federal Credit Union is teaming up with its community partner, Liberty Tax Service, to co-...
Oct 19, 2016
Carolinas Foundation: Grants available to CU members affected by Hurricane Matthew.
Oct 19, 2016
Evonne Smith's first job as a teller may well have been the most important for her career.
Oct 19, 2016
Maria J. Martinez Recognized for Wide-Ranging Accomplishments as CU Leader with 2017 Herb Wegner Memorial Award
Foundation Recognizing Martinez with Award for Outstanding Individual Achievement.
Oct 19, 2016
Montgomery County Employees Federal Credit Union to Cut Ribbon Marking Completion of Rockville Branch Renovation Project
Credit Union Upgrades Original Branch to Better Serve Members.
Oct 19, 2016
Financial Education Clubs On Target To Double In Number.
Oct 19, 2016
On Saturday, October 15th, Securityplus Federal Credit Union hosted its seventh semi-annual shred...
Oct 14, 2016
Democracy FCU assists victims of flooding with their generosity.
RSS News
Mar 25, 2015
Statutory limits on credit union member business lending restricts the growth of small business and...
Mar 25, 2015
Survey found users are joining and leaving credit unions.
Mar 25, 2015
The House Financial Services Committee advances privacy notice and other credit union-friendly...
Mar 25, 2015
Real estate organization blames underwriting, affordability and down payments for keeping Hispanics...
Mar 24, 2015
Data breaches and those who perpetrate them are on the minds of credit union leaders nationwide....
Mar 24, 2015
A number of regulatory relief bills will be marked up by the U.S. House Financial Services...
Mar 24, 2015
Cooperative leaders discuss the potential for credit unions in Cuba at a recent press conference.
Mar 24, 2015
New regulatory requirements, and the associated compliance costs, for credit unions offering...
Mar 24, 2015
Ismail Elmas receives 10-year sentence for stealing $3 million from 20 Apple FCU members.
Mar 24, 2015
A credit union's services should reflect the needs of the community it serves. No one may...
No news found.


text:
Circeo Park Hotel
This 4-story smoke-free hotel features an elegantly furnished interior with a relaxing atmosphere, and a wide range of high quality services including 2 outdoor saltwater swimming pools, and a private sandy beach, with beach bar, equipped with sun lounger and beach umbrellas. Other amenities include complimentary wireless Internet access, a conference room with audiovisual equipment. The hotel provides a technology helpdesk and secretarial services. Space is also available for weddings and other events, for which catering can be provided. Families will appreciate the mini club for children, and those who like to get out on the water can head down to nearby docks for a boat excursion to nearby caves. With advance reservations, it's possible to indulge with a massage during your stay.
The onsite restaurant, La Stiva, offers traditional Mediterranean cuisine with a seafood emphasis, and fine wines. Guests will enjoy views of the sea either indoors or outdoors while dining on the terrace. Room service (limited hours) is also available.
Pets are welcome in specific rooms only (1 pet per room).
Circeo Park Hotel
Hotel Info: 1-877-214-4288from $39
- Double Room lateral seaview Stay 7 pay 6
- Double Room (Double Room Stay 7 pay 6)
- Junior Suite
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- Junior Suite Stay 7 pay 6
- Double Room Single Use
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- Double Room Single Occupancy lateral seaview
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- Triple Room
- Double Room
Also popular with travelers from the USA
At a glance
Key facts
Hotel size
- This hotel has 46 rooms
- This hotel is arranged over 4 floors
- 24-hour check-in
- Check-out time is noon
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- Children (2 years old and younger) stay free when occupying the parent or guardian's room, using existing bedding
- Babysitting/childcare *
- Pets allowed (dogs and cats only) *
- Specific rooms only *
- 1 per room
- Free WiFi in public areas
- Free WiFi in rooms
- Free self parking
Other information
- Smoke-free property
In the hotel
- Supervised childcare/activities
- Free buffet breakfast daily
- Restaurant
- Bar/lounge
- Beach bar
- Poolside bar
- Room service (during limited hours)
- On private beach
- Beach sun loungers
- Outdoor seasonal pool
- Outdoor pool
- Bicycle rentals nearby
- Windsurfing nearby
- Marina on site
- Beach umbrellas
- Children's pool
- Pool sun loungers
- Pool umbrellas
- One meeting room
- 24-hour front desk
- Tours/ticket assistance
- Laundry facilities
- Luggage storage
- Number of buildings/towers - 1
- Elevator/lift
- Garden
- Terrace
- Television in common areas
- In-room accessibility
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Minibar
- Sofa bed
- Premium bedding
- In-room massage available
- Balcony
- Private bathroom
- Bathtub or shower
- Bidet
- Free toiletries
- Hair dryer
- Premium TV channels
- Desk
- Free WiFi
- Phone
- Daily housekeeping
- In-room safe
Special features
DiningLa Stiva - Overlooking the ocean, this restaurant specializes in Mediterranean cuisine. Guests can order drinks at the bar and enjoy alfresco dining (weather permitting). Open daily.
Circeo Park Hotel's small print
Also known as
- Circeo Park Hotel
- Circeo Park Hotel Italy/San Felice Circeo
All guests, including children, must be present at check-in and show their government-issued photo ID card or passport.
Cash transactions at this property cannot exceed EUR 2999.99, due to national regulations. For further details, please contact the property using information in the booking confirmation.
Pet-friendly rooms can be requested by contacting the property at the number on the booking confirmation.
Only registered guests are allowed in the guestrooms.
Reservations are required for massage services and can be made by contacting the property before arrival at the number on the booking confirmation.
Optional extras
Rollaway beds are available for EUR 50.00 per night
Cribs/Infant beds are available for EUR 18.00 per day
Babysitting/childcare is available for an extra charge
Pets are allowed for an extra charge of EUR 10 per pet, per day
We have included all charges provided to us by this hotel. However, charges can vary, for example, based on length of stay or the room you book.


text:
A new and simple method for measuring the spot size of a laser beam is presented. In this method, the spot of a laser beam is scanned transversely across a straight boundary, and the intensity profile of the boundary-diffraction wave is observed. This intensity profile makes it possible to measure the spot size. The spot size of a He–Ne laser beam (wavelength 633 nm) has been measured to be 8.3 μm by using a Si3N4 straight pattern; this value is compared with 8.9 μm obtained by the knife-edge method.
© 1987 Optical Society of AmericaFull Article | PDF Article


text:
Pet-Post-N-Pals.com Screenshot History
Screenshot Details
The most recent screenshot for this website was taken on Jun 11th, 2008.
We check this website for updates periodically. When we checked 33 days ago, we did not see any significant changes.
We have 9 historic screenshots of Pet-Post-N-Pals.com dating back to Jul 21st, 2005.
Our earliest WHOIS history record for the Pet-Post-N-Pals.com domain was first recorded in the year 2007.
View the complete WHOIS record for Pet-Post-N-Pals.com.


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The British Sledge Hockey Association (BSHA) is delighted to reveal the SledgeHockeyGB playing jersey for the 2015 World Championships (Pool B), to be held in Ostersund from the 16th to 22th March 2015.
These shirts have been provided to SledgeHockeyGB by the Great Britain Supporters Club (GBSC) and Jersey 53.
Elite Programme Director John Neville said:
"Sledge Hockey in Great Britain has a lot of support and one of our biggest long term supporters is the Great Britain Supports Club. They not only fundraise on behalf of SledgeHockeyGB but actively encourage their members to support Sledge Hockey at all levels. As a result of their involvement we can truly say that SledgeHockeyGB are one of the best supported British Paralympic teams".
BSHA Chair, Matt Lloyd added;
"Whenever there is a Sledge Hockey game featuring British players you can almost guarantee there will be a proud Great Britain Supporters Club member in the crowd and the GB team always see it as an honour to wear shirts or off-ice clothing with the GBSC logo on it. On behalf of everyone involved with Sledge Hockey I would like to thank the GBSC for their ongoing support."
The SledgeHockeyGB playing jerseys are being supplied for the first time by Jersey 53 as a result of a fantastic new partnership. The GB team can be seen wearing Jersey 53 Mission Pro cut jerseys, one of many unique cuts available from Jersey 53 range.
Jersey 53's Ali Cree commented,
"Jersey 53 are thrilled to be supporting the GB Sledge Hockey Team in their upcoming World Championship Campaign. We look forward to following the championships closely and will be cheering on the squad. We hope to build connections with British Sledge Hockey Association and its members to help accommodate their custom requirements for all members. We are totally inspired by these athletes fight over adversity to reach their goals and aspirations to represent Britain."
Wish the team good luck! Tweet your good luck messages to @sledgehockey on Twitter using the hashtag #SledgeHockeyGB.


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We are a church family meeting in the Swallownest, Aston & Aughton area of Sheffield.
You can find us to the south east of Sheffield, south of Rotherham and just off junction 31 of the M1 motorway.
We are a diverse group of Christians, wanting to encourage each other in our Christian faith, and seek opportunities to share the love of God with those in and around our local community.
If you live in the Sheffield area, or are just visiting, then we'd love to see you! We meet every Sunday at 10:30am for contemporary worship and bible teaching, along with Junior church for children of all ages.
We also have a full programme of activities throughout the week.
If you wish to know more about us please just get in touch.
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Summit County Secular Freethinkers (formerly: Humanists and Freethinkers) is a member of the Colorado Coalition of Reason and wishes to bring people together to promote the understanding and acceptance of free-thought and rationality with public education, good deeds, group activities and affiliations with other secular groups.
Our goals:
1. To actively pursue philanthropic work in our local community.
2. To host casual meet-ups, discussion groups, and fun activities.
3. To create a welcoming environment where people leaving religion can feel secure.
4. To promote activism through education in reason and rational thought.
Meetup members, Log in
By clicking "Sign up" or "Sign up using Facebook", you confirm that you accept our Terms of Service & Privacy Policy


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Comcast Tigard Oregon Service Center and Customer Service Number
Comcast Tigard Oregon Service Center Contact Number is: +1-800-266-2278 and Location is 9605 SW Nimbus Avenue, Beaverton, Near Tigard, OR 97008, United States.
Comcast is a remarkable telecommunications company in the United States which offers several services related to mass media and internet. The company offers telephone service, cable television, broadband internet, digital voice, home networking, broadcasting and radio services etc. Beaverton Comcast Repair Center is a reliable service center located near Tigard area Beaverton, OR, United States. The service center visiting hours are 08:00 AM to 06:00 PM Monday to Friday, 09:00 AM to 04:00 PM Saturday, Sunday closed.The contact information like email address, telephone number or customer service number, website and postal cum official address of Comcast Tigard Oregon is mentioned in below section.


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Comfort Inn coming to St. Clairsville
ST. CLAIRSVILLE – Visitors passing through the Ohio Valley will now have another option for an overnight stay.
A three-story Comfort Inn is being constructed at the top of Blaine Hill on National Road, just east of St. Clairsville.
Owner Vashel Patel, of Latitude Management Inc. of St. Clairsville, said the new hotel has been in the planning stages for about four years.
"We knew the Oil and Gas boom was coming, so we started planning some time ago for this adventure," he said. "It was now or never we thought."
This will be the fifth hotel that Patel and his group have opened between Columbus and Cleveland. They also own the Holiday Inn Express in St. Clairsville.
Patel said the new facility will be 30,000 square feet in all. It will include 55 standard rooms with king and queen size beds. There will be a workout facility, as well as breakfast bar that is included in a night's stay.
There will be parking for 60 vehicles, including some handicapped spaces and an elevator to reach the second and third floors.
Patel said between 20 and 24 full-time employees will be hired.
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"Our company operates and co-invests in hotels and in all areas of the hospitality field including restaurants, athletic clubs, corporate housing, movie theaters, and country clubs," Patel offered. "Our background consists of over 15 years of knowledgeable management experience in the hospitality industry. Our company's current portfolio is geared towards the limited and full-service hotels located throughout the mid-western states."
He said that Latitude Managements goal for 2012-2013 is continuing its focus on developing limited and full-service hotels throughout the mid-western states. Our company is also looking to expand into corporate housing and restaurants in suburban areas.
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Light and the Sufferer
Release Date: January 1st, 2004
Not Yet Rated|1 hr. 10 min.
Plot Summary
Drug dealers (Paul Dano, Michael Esper) and a mysterious creature pursue two estranged brothers when a robbery goes awry.
Cast: Paul Dano, Michael Esper, Paz de la Huerta, Michael Wright, Eugene Byrd, Angelica Torn,
Director: Christopher Peditto


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About Rizzle Kicks
Responsible for bringing the flower power hip-hop sound of the late '80s back into the charts, Brighton duo Rizzle Kicks are one of the few successful male acts to emerge from the BRIT School that spawned the likes of Adele, Amy Winehouse, and Leona Lewis. Childhood friends Jordan "Rizzle" Stevens and Harley "Sylvester" Alexander-Sule first started making music together in 2008 on the Minor Breaches of Discipline mixtape, which saw the pair rapping over samples of tracks by Lily Allen, Gorillaz, and Arctic Monkeys. Compared to the likes of De La Soul and Dream Warriors, their laid-back production and humorous non-confrontational rhymes earned them a deal with Universal Records, and in 2011 they released their debut single, "Prophet (Better Watch It)," followed by "Down with the Trumpets," which eventually reached number eight in the U.K. charts. Following a guest appearance on X-Factor runner-up Olly Murs' chart-topping single "Heart Skips a Beat," support slots with Professor Green, the Streets, and Dizzee Rascal, and a remix of Ed Sheeran's "You Need Me, I Don't Need You," they were invited by Take That's Gary Barlow to appear in his Children in Need charity supergroup alongside the likes of N-Dubz, Wretch 32, and Ms. Dynamite. Following three MOBO nominations for Best Newcomer and U.K. Hip-Hop/Grime Act and Video, their debut album, Stereo Typical, was released at the end of 2011. The album Roaring 20s followed in 2013, featuring the singles "That's Classic" and "Lost Generation." ~ Jon O'Brien, Rovi
Tour Dates
Nov 23 WednesdayManchester, UK Manchester Academy
Nov 24 ThursdayNewcastle Upon Tyne, UK O2 Academy Newcastle
Nov 25 FridayNottingham, UK Rock City
Nov 26 SaturdayLiverpool, UK O2 Academy Liverpool
Nov 28 MondayLeeds, UK O2 Academy Leeds
Nov 29 TuesdayGlasgow, UK O2 ABC Glasgow
Nov 30 WednesdaySheffield, UK O2 Academy Sheffield
Dec 01 ThursdayLincoln, UK Engine Shed
Dec 03 SaturdayCardiff, UK Great Hall, Cardiff University
Dec 04 SundayCambridge, UK Cambridge Corn Exchange
Dec 07 WednesdayBrighton, UK Brighton Centre
Dec 08 ThursdayBournemouth, UK O2 Academy Bournemouth
Dec 09 FridayBirmingham, UK O2 Academy Birmingham
Dec 10 SaturdayNorwich, UK Uea, Norwich
Dec 11 SundayFolkestone, UK Leas Cliff Hall
Dec 13 TuesdayOxford, UK O2 Academy Oxford
Dec 14 WednesdayBristol, UK O2 Academy Bristol
Dec 16 FridayLondon, UK Roundhouse
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The Panasonic AW-CA28T9 is a control cable connecting the AW-PH300 pan and tilt head to a PC. The 28-Pin connection on the pan and tilt head adapt to a serial 9-Pin connector for RS-232 control via the user's PC. The PC can be located in a remote location utilizing the cable's 5 meter length.


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9 years of experience
Washington DC Va Medical Center
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Washington, DC 20422 Phone number & directions
A medical license is required for a doctor to practice medicine in a particular state. Requirements vary by state but most require, at a minimum, post-graduate training in the doctor's specific specialty. An NPI number is a national identifier unique to an individual health care provider and is managed by the Center for Medicare & Medicaid Services (CMS).
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Dr. Yong graduated from Brown University, Providence.
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The Fine Furniture at Doneckers became its third business to close this summer with an announcement Wednesday.
The Fashion Store closing was announced three weeks ago. The restaurant closed in June. Only the Inns at Doneckers remain
H. William Donecker decided to close Fine Furniture at Doneckers after a comprehensive review, according to Paula Hosler, director of human resources.
The gallery which was established in1999, enjoyed years of success before falling victim to current economic conditions and industry trends, she said in a prepared release.
Hosler said that Donecker continues to explore options with his daughter, Melinda Donecker Beatty, for a new generation of Doneckers.
Doneckers began in 1961 by selling women's clothing in apartments on North State Street, Ephrata, followed by a store at Walnut and North State streets, The restaurant opened in 1984. In 1999, art shops in a former shoe factory were replaced with fine hand-crafted furniture.


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EPIQ Systems (NASDAQ:EPIQ)
Q1 2013 Earnings Call
April 30, 2013 4:30 pm ET
Lew P. Schroeber - Vice President of Investor Relations and Finance
Tom W. Olofson - Chairman and Chief Executive Officer
Christopher E. Olofson - President, Chief Operating Officer and Director
Elizabeth M. Braham - Chief Financial Officer, Principal Accounting Officer, Executive Vice President, Corporate Secretary and Treasurer
Timothy McHugh - William Blair & Company L.L.C., Research Division
Peter J. Heckmann - Avondale Partners, LLC, Research Division
Good day, ladies and gentlemen, and welcome to the Epiq Systems First Quarter 2013 Earnings Call. [Operator Instructions] As a reminder, this conference call is being recorded. I would now like to introduce your host for today's conference, Lew Schroeber. Please go ahead.
Lew P. Schroeber
Thank you, and welcome, everyone. With me today to lead the discussion and address your questions are Epiq Systems Chairman and Chief Executive Officer, Tom Olofson; President and Chief Operating Officer, Chris Olofson; and Vice -- Executive Vice President and Chief Financial Officer, Betsy Braham.
Our earnings release was today at 3 p.m. Central Time and is available on our website at epiqsystems.com. The webcast replay of this earnings call will be available on our website until next quarter's call, and a phone replay will be available through May 6.
As always, we discuss our financial objectives and make forward-looking statements during this call. We remind you that forward-looking statements involve a number of risks and uncertainties that could cause actual results to differ materially from those indicated. These risks are included in our earnings release and also in our annual report on Form 10-K and the quarterly reports on Form 10-Q, which are filed with the SEC and available on our website or the SEC's website. We strongly encourage you to review these risk factors.
It is now my pleasure to turn the call over to Epiq Systems Chairman and CEO, Tom Olofson.
Tom W. Olofson
Thank you, Lew. Good afternoon. Welcome to our call. We'll follow our usual format. I'll begin the call with some remarks relative to Q1 financial performance and some overall comments on the business. I'll then turn things over to Chris for his comments, and we'll then have Betsy join Chris and me for the Q&A session.
At the beginning of the call, I'll point out, as we mentioned in the press release, starting in Q1 of 2013, we have reorganized our financial reporting so that we will now report 2 segments. We'll have the Technology segment, which represents our eDiscovery business, and we have combined the former Bankruptcy and Settlement segments into a single segment for Bankruptcy and Settlement. And that is how you will note the internal financial reporting as we go through the year 2013.
Let's begin with operating revenue. We had a strong first quarter with a 24% increase in operating revenue. Revenue hit $102.9 million and that's the first time we've gone through the $100 million mark for a quarter. So we found that overall revenue was strong and actually came in slightly better than we originally anticipated.
Looking at GAAP earnings per share, that number came in at $0.11 versus $0.06 for the prior period. In terms of cash from operations, we used $5 million of cash in Q1 versus a year ago when we actually provided $15 million. This is a measurement, as I've reviewed with you previously, that you really need to look at a full annual basis to get an accurate measurement because you can have a variety of fluctuations quarter by quarter. So as is always the case with Epiq, we look forward to a strong year in terms of generating cash from operations for the full year 2013.
In the first quarter, we did have an increase late in the quarter from receivables and that resulted from some significant revenue growth. And then we also had one item, which was a planned reduction in a large customer deposit, and we actually referenced that toward the end of last year.
In terms of non-GAAP performance, non-GAAP EPS came in at $0.23, which was right in line with consensus, and that's where we expected it would be. Non-GAAP adjusted EBITDA came in at $22.4 million, which was basically the same as the year-ago period.
If we now turn briefly to the segments, and Chris will talk about these items in more detail momentarily, but let's start with the Technology segment, which represents our global eDiscovery business. We had a 12% increase in operating revenue, $54.8 million. I mentioned to you in the last call that we expected eDiscovery revenue would have a double-digit growth this year. We continue to feel that, that would be the case, and that for the full year, we'll have a nice double-digit revenue growth in eDiscovery. This was a very, very strong eDiscovery quarter revenue-wise and as I mentioned, Chris will talk with you about that in more detail.
The EBITDA for Technology was $16.4 million versus last year's $17.6 million. As we say in the press release, we did have higher document review sales in our product mix. We are gaining significant market share in document review. It's obviously a crucial business to us. It's one of the main reasons we completed the De Novo acquisition, to have a stronger business in document review.
We're also seeing a number of additional, what we call, integrated sales where you sell both document review and ESI in the same transaction. Normally, when that happens, the document review, part of it will represent 2/3 to 3/4 of the revenue with ESI being in the minority. You all recognize that document review carries a lower margin than ESI. We do look for strong performance as we move through the year in this part of our business.
As we referenced in the press release, we are also launching our Japanese business that will, of course, be headquartered in Tokyo. We have retained a very seasoned executive who ran the Japanese business for a major competitor for a number of years, and that we will invest in this business in both Q1 and Q2 so that we'll really get it off and running in the second half of 2013. We think it has significant potential. It's a large market, and that's why we're pursuing this course of action.
I should also point out that international sales generally have been strong. We had nice double-digit growth. We have seen very good performance internationally out of our London and Hong Kong offices and look forward to seeing that in the not-too-distant future in the new Tokyo office.
Many of you asked about the size of the international eDiscovery business. We don't break it out with real specificity for competitive purposes, but on an overall basis, you should view it as representing approximately 12% to 15% of our total global eDiscovery business.
Let's now look at the Bankruptcy/Settlement segment. Operating revenue for the segment was up 12%, $54.8 million -- let me just redo that for you. Revenue in Bankruptcy and Settlement came in at $48 million. So let me restate that correctly, $48 million, and that represented a nice 42% increase versus last year's $34 million.
The Bankruptcy portion of that segment was $20.9 million. This was off 14% and if you recall in our last conference call, I indicated that recognizing we're in a down bankruptcy cycle -- and I'll talk more about this in a minute then Chris will also reference it -- I indicated we probably see revenue off maybe 10% to 15% this year because of the cycle. So being off 14% was right in line with that.
The Settlement business had a terrific quarter, and we should take just a moment on that. They had $27.3 million in revenue for the Settlement unit. This represented a 180% increase versus prior year. We are seeing some very strong sales in the Settlement business. They are taking some nice market share away from our competition. We have continued to expand and solidify our sales capability.
If you recall last year, we did about $60 million in sales, and that was up versus the prior year of $37 million. This year, even though we went from $37 million to $60 million, last year, we expect another moderate increase and we'll exceed $60 million and we would look for this business to probably be somewhere in the mid-60s in terms of operating revenue.
We're getting some major matters, and that's very important. We referenced that in the press release, a very large antitrust matter that we had in the first quarter. But one of the significant developments in this business is that we're seeing more and more large matters and that, of course, has a very significant increase on the financial performance of the unit.
The Settlement business does have a lower margin. And so when it has these very significant increases, it will slightly lower the overall corporate margin. On the other hand, this is a very good business for us, very complementary to Corporate Restructuring, and we absolutely are dedicated seeing this business really further grow and make additional contributions to Epiq.
Looking at the Bankruptcy portion of the segment, we all recognize that we're in a down part of the bankruptcy cycle. Filings have slowed down. Filings are down versus prior year. Nevertheless, Corporate Restructuring is by far the largest part of our bankruptcy operation, I think you're all aware of that. We achieved some very nice market share in Q1 with Corporate Restructuring. You read about these matters in the paper. The filings are public. In fact, what we actually are retained on becomes public information.
And we had some nice retentions. In addition to that, we actually have some meaningful retentions that have not yet filed. And so as we look to the next couple of quarters, the balance of the year, we expect to further increase our market share, have some good filings, have some good retentions, I should say, even though filings are down.
I think one of the important things to reference, since we're now in the beginning of 2013, you've heard me say this before, but the amount of debt maturity in 2014 is very significant. If you look at the various tables that present this information, you will see that the debt that matured in 2012, 2013, pales in comparison with what will mature in 2014. We feel that as you look at that, as you also become aware that there are some recessionary indicators in the European economy, we certainly have some challenges in our economy. But net-net, we continue to feel that in the not-too-distant future, we see the potential for increased filings and entering another robust bankruptcy cycle. It's hard to predict that timing, but we think that it's perhaps not too far down the road.
So the last comment on the segment, the EBITDA was $14.6 million for the segment, which was a slight increase versus prior year. So those are some comments relative to the eDiscovery business and the Bankruptcy/Settlement segment as well. Let me touch on a few other topics, and then I'll turn things over to Chris.
In terms of looking at the full year 2013, I would simply reiterate the full year guidance that I have previously provided to you. I went through that some detail in the last call, so I'll reiterate that today.
When I look at overall financial performance for the business, I would say that we would achieve approximately 45% of our financial performance in the first half and about 55% in the second half. That usually is the way most years play out for us, with the second half being slightly stronger than the first half, and we see that kind of trend taking place in 2013.
We will pay our next $0.09 quarterly cash dividend on June 3 to record holders on May 1. And our dividend program is a solid one. It provides a good yield, and we're pleased that we've initiated that dividend program and continue to grow it over the last couple of years.
Our proxy will be put in the mail during the next 10 days. Our annual shareholders' meeting is scheduled for Thursday, June 13, 10 a.m. at the Westin Crown Center Hotel here in Kansas City. As always, we encourage as many shareholders as possible to attend that meeting. All of our directors and executive officers are normally in attendance for all of our shareholder meetings. So we look forward to taking that opportunity to further brief you and provide you with additional updates on the business.
With that general overview, I'd like to turn things over to Chris for his comments. And then when Chris concludes, Betsy, Chris and I have will be happy to take your questions.
Christopher E. Olofson
Good afternoon. Thank you for joining us. We're very happy to report our first $100 million-plus revenue quarter here at the beginning of 2013.
Starting with eDiscovery. Discovery had a very strong sales in the quarter. Revenue increased 12% versus the year-ago quarter and perhaps more importantly, reached an all-time revenue record for a standalone quarter, slightly ahead of the sequential quarter in Q4 of 2012, which itself was a record. We worked on a significant number of merger and acquisition-related assignments in the U.S. and did significant bank regulatory work internationally. The quarter represented an all-time revenue record for the whole business unit, for international and for U.S. document review. So we reached new high-water marks on several key metrics.
As Tom mentioned, EBITDA was $16.4 million versus $17.6 million for the year-ago quarter, and I'd like to walk through several of the factors that contributed to that year-over-year comparison. First, the revenue mix weighted much more heavily towards document review than before, and we know that document review has a lower margin than does processing and hosting, which together represents the ESI component of the business. With the full life cycle capability that Epiq offers today spanning collection, consulting, processing, hosting and document review, the number of integrated projects where we are working on both ESI and document review, that we have had under pursuit and that we have won, has increased. And therefore, document review as a percentage of total eDiscovery revenue has similarly increased.
So this is a trend that's been in the business for several quarters now. We see it in a more pronounced way in the current period result given the inventory of work on which we had assignments in Q1.
Also, the quarter continued the effect of the long-established pricing trends in the eDiscovery marketplace. That trend was sustained in Q1. Also, we incurred some start-up expense for our Asian expansion that Tom alluded to. Start-up activities in preparation for our Tokyo office that we announced initially on February 25 are well underway, and we expect to be in business by the early summer. This will be a full-service office with its own data center, will feature our proprietary technology and will have local capability for consulting, processing, hosting and document review. In addition, we are opening a data center in Shanghai to serve clients in China more effectively and to increase our profile in the competitive marketplace within the region.
I would like to point out that we think we have a strong track record for international expansion, having grown our London office from a small launch team into the leading practice in London, having grown our Hong Kong office very substantially since it initially opened a few years ago and we would have comparable objectives for our new presence in Tokyo.
Also for eDiscovery, you'll see that for the very first time, the rolling 4-quarter revenue trend exceeds $200 million, which is another milestone for the business, and we believe we continue to be among the top global eDiscovery franchises. We see continuing opportunity in a marketplace that remains highly fragmented where we have an opportunity for leadership with our unique combination of proprietary technology and awareness of third-party tools, and we point out the continuing expansion of the global nature of the business. In addition to the Japan opening, we have done work in 50 countries where we are not necessarily opening a full-service office but nevertheless, can shift in a mobile environment to perform in-country services essentially anywhere in the world.
On the Settlement Administration front, as Tom mentioned, Settlement had an outstanding start to the year, with revenue contribution from the largest private antitrust settlement in history on which we will retain a very favorable year-on-year comparison. And as usual, this is our business line that is most subject to quarterly volatility, so it is important to look at this business from an annualized perspective.
And realizing in 2012 that we had a tremendous nonrecurring work -- nonrecurring revenue from our work on the BP Deepwater Horizon case, which is now complete, the growth that we anticipate for Settlement Administration really will be a very strong result in 2013. We have a very strong competitive positioning, a very strong ability to win major cases as is evidenced by the big antitrust settlement retention, and we'll keep you posted as the year continues to unfold.
On the Bankruptcy front, yes, we remain at the low light of the bankruptcy cycle with fewer filings. However, of those filings that we have seen in the marketplace, Epiq has had very strong market share and very strong competitive performance for Corporate Restructuring engagements this far in the year. Bankruptcy was down versus the year-ago quarter as we anticipate. We are at the low end of the bankruptcy cycle. That situation will continue to influence the results of Bankruptcy over the course of the year and its 4 business lines, of which Corporate Restructuring is the largest, the 2 trustee businesses and AACER rounding it out.
Some of the very large cases that we were retained on during the peak period several years ago are simply winding down and not yet being replaced with cases of comparable size. But the market share, as I mentioned, has been quite strong, and Corporate Restructuring, in particular, has had a very busy start to the year with high activity in cases and strong performance in retention of those matters that have been available in the competitive marketplace. We do envision an uptick in the bankruptcy business, Tom alluded to this, as leveraged debt in the marketplace matures from 2014.
So I hope that provides some additional information about the various business lines that contributed to the quarterly results. And with that said, we would be happy to take your questions, and we'll ask the operator to introduce the question-and-answer period.
Question-and-Answer Session
[Operator Instructions] Our first question comes from Tim McHugh from William Blair & Company.
Timothy McHugh - William Blair & Company L.L.C., Research Division
First, on the eDiscovery business. Can you talk about the ESI revenue? Did -- was that up or was it just that the -- in other words, that the document review just grew faster? Or did you actually see some sort of weakness in that revenue stream?
Christopher E. Olofson
Well, as you know, we do not break out service-by-service, product-by-product, all of the various components of the eDiscovery franchise. We saw very high levels of activity in terms of units of data coming into the business throughout the quarter that would include work performed in ESI-related activities. When we match up all of the trends in the business, including the increased weighting towards document review, the continuing effect of the pricing trend in the industry, the revenue strength for the quarter really did come from document review and from international matters.
Elizabeth M. Braham
And I would just add to that, that in particular, the international growth was primarily from ESI and not document review. And so as Chris indicated, it is a combination of mix, pricing, international and U.S., the overall strength of the franchise, so we were pleased with.
Timothy McHugh - William Blair & Company L.L.C., Research Division
I guess I just want to make sure from a competitive perspective or pricing or otherwise, is the ESI side more challenged or is it simply that the other part of the business grew faster?
Elizabeth M. Braham
Yes, what we clearly saw in the first quarter, Tim, was in 2012, as we brought De Novo into the business, one of our key strategic objectives was to sell more integrated deals. So as we went through the course of 2012, we saw that grow a little bit quarter-by-quarter. And we could see those shifts in our mix as we went through last year. So this is the natural evolution of what we were expecting and then as you know, the mix of the matter between ESI and document review is heavily weighted towards document review. As Chris also indicated in his comments, we did significant work on the ESI on the international front relative to bank regulatory matters. And on the U.S. front, we did significant work related to antitrust filings. And so while we saw a decline in the ESI work in 2012 on antitrust filings, we actually saw that ESI work tick back up in Q1 of this year.
Timothy McHugh - William Blair & Company L.L.C., Research Division
Okay. And the pricing pressures, it's still mostly on the ESI side, or are you seeing it also on the document review side of the business?
Elizabeth M. Braham
We're seeing it on both sides, although I would say that I think ESI may be a little bit more so and in particular, probably on the presale terms side versus hosting.
Timothy McHugh - William Blair & Company L.L.C., Research Division
Okay. And then can you help us get a sense for the magnitude of the investments? I guess it sounds more so in the first half of the year before you get started with Japan?
Elizabeth M. Braham
That would be true. So what we're anticipating on the investment for Japan is that we will incur expense and have an operating income loss in both the first and second quarter, which we anticipate moving towards probably a breakeven as we enter Q3 and hopefully profit as we go through Q4. But it is definitely investment mode for the first half of the year.
Timothy McHugh - William Blair & Company L.L.C., Research Division
Is it meaningful enough that that's part of why you expect the second half of the year? Or is it -- it's just a small number we shouldn't worry about?
Elizabeth M. Braham
Well, when we look at the first half of this year, and the expense implication in the overall eDiscovery business, it will erode their margins a little bit and their profitability a little bit. When we get to the second half of the year, it will not contribute to a material level, but it won't be hurting us like it is the first half of the year.
Our next question comes from Peter Heckmann from Avondale Partners.
Peter J. Heckmann - Avondale Partners, LLC, Research Division
I had a question on eDiscovery margins. I understand the issues as regard to Tokyo and the mix, but would you expect eDiscovery margins for the year to be higher than the first quarter?
Elizabeth M. Braham
Yes. So as we are looking at the second half of the year in particular, we expect the margins to improve. So as we're -- as we have visibility into Q2, we still see a fairly heavy mix of document review in Q2, similar to what we had in Q1. And we still have the Japan investment without any revenue offset. So we do expect margins as we go through the course of the year to improve quarter by quarter.
Peter J. Heckmann - Avondale Partners, LLC, Research Division
Okay. And then you had a large contribution in the Settlement business last year in the second quarter, which appears to be a relatively difficult comp this year. I heard what you said in terms of raising your expectations for revenue for the full year a little bit for this segment. But in the second quarter, would you expect Settlement revenue to be up? Or because of that tough comp, would you expect to be down in the second quarter but then up for the year?
Elizabeth M. Braham
Okay. So we'll expect it to be down for the second quarter because as you indicated, it's an extremely difficult comp, and you really saw a Q1 in 2013 that was more comparable to Q2. But as we now are getting a little bit further into the year, I think our early guidance to you guys was that we thought that our Settlement Administration business might be flat to up slightly. I think we're now comfortable to say that our Settlement Administration business will be up double digit for 2013. And so as we look at the overall Bankruptcy and Settlement Administration segment, we have been predicting that bankruptcy will continue to be down this year. And as we look overall at the segment on a full year basis, we expect that it may be flat to up slightly being driven by Settlement Administration growth.
Peter J. Heckmann - Avondale Partners, LLC, Research Division
Okay. Great. And then just one line item question, you called out about $1 million of litigation expense in the quarter as an add back to EBITDA. Is that an unusual item, or anything that deserves further explanation?
Elizabeth M. Braham
Yes, it is a unusual item that was settled in the course of the first quarter, and we don't expect to have a recurring litigation expense related to that matter through the remainder of the year. So that is settled in full.
This concludes our Q&A session. I will turn it back to Chris Olofson for closing remarks.
Christopher E. Olofson
Thank you, all, very much for joining us this afternoon. Have a good evening.
Ladies and gentlemen, thanks for participating in today's program. This concludes the program. You may all disconnect.
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Pentagon Clamps Down on Information
Some observers say President Barack Obama's administration is among the most secretive in history. Bolstering that contention is a decision by the Pentagon.
Each day, the Defense Department compiles a list of news reports and opinion writing related to the military. Nicknamed the "Early Bird," it had been disseminated to virtually anyone who wanted it. Electronic circulation was estimated at between one million and two million.
The "Early Bird" has been eliminated. In its place is the "Morning News" – circulated only to about 300 of the Pentagon's top brass.
Officially, the Defense Department claims production of the "Early Bird" was just too expensive. But its successor, the "Morning News" costs money, too.
And why are those who ask to be added to the "Morning News" circulation list told it is restricted to top Pentagon officials?
No, the excuse just won't wash. This is merely another stake being driven by the Pentagon into the heart of free exchange of information about the government, including one of its most important functions – ensuring the security of more than 300 million Americans.


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Muuto gives a new perspective on modern pendants and lamps. Derived from the Finnish word "muutos", meaning "new perspective", Muuto is firmly rooted in Scandinavian design. The brand hand-picks the best designers from Sweden, Norway, Finland and Denmark. Muuto gives designers the freedom to express their personal design philosophy.
From the very beginning, the two founders of Muuto ‐ Peter Bonnen and Kristian Byrge ‐ were highly ambitious. They strive to have their products represented in leading design shops all around the world.
Objects made sublime through new perspectives, enjoyed across the world, representing the best of Scandinavian design today.
Rated 5 out of 5 by Craigster from Very Cool and provide a Nice Glow of light I put three of these over my Dining table and it looks amazing. I love the idea that it is rubber it gives it that extra design edge. Provides able light for reading or working on project. Person before noted that it comes with a plastic canopy. I did the same I had a leftover canopy and used that instead.
Date published: 2015-12-15
Rated 4 out of 5 by Cmiller from Great Fixture, Terrible Canopy Love the look of the fixture, nice light output. Horrible cheap white plastic ceiling canopy with an hook to swag the fixture off of - no way to support the fixture within the canopy, it has to be swagged and the ceiling hook carries the weight. Ended up buying a replacement canopy that supported the weight of the pendant - more polished look that way.
Date published: 2015-01-13
Unfold Pendant Light - UL Version is rated out of 5 by 2.
I want to replace my track light with this pendant. currently the track light is on dimmer; would the dimming still work with this pendant? is there an option to put a lens or film at the underside? thx.
Thanks for your interest in this design. This fixture is compatible with a dimmer because it features a standard 60W 120V E26 incandescent bulb, which are easy to find in home department stores and work with most hardwired wall dimmers. It also comes with a snap in diffuser for the shade as well. To access some more product information that may be helpful, be sure to visit the "specifications" tab on this product page and download the PDF manufacturer spec and installation sheets by clicking on the provided links. Should you require some additional clarification beyond this and would like to speak to a product specialist directly, feel free to give us a call anytime at 866.842.6209 and we can assist you. Thanks for contacting us! Parin YLighting Customer Service
Date published: 2015-01-16
Is the Unfold pendant UL listed?
Hi there! Unfortunately this is currently not UL Listed. Unless your local building code states otherwise, UL is often not required for residential installations. Feel free to give us a call anytime at 866.842.6209 to discuss this fixture in greater depth, or to follow up with anything else. Thanks for reaching out! Stephanie, YLighting Team
Date published: 2015-11-11
Is this product listed by UL, ETL or CSA for use in the US?
Hi there! This is made for use in applications throughout North America. Unfortunately this is currently not UL Listed. Something worth noting is that unless this is for commercial applications or your local building code states otherwise, UL is often not required for residential installations. If you have any further questions, please feel free to give us a call anytime at 866.842.6209 to speak to a Product Specialist directly. We're here to help! Stephanie, YLighting Team
Date published: 2015-11-19
Can I use this with a plugin socket?
No, this is hard wired in.
Date published: 2016-02-06


text:
One layer chocolate, one layer yellow. Buttercream with fondant accents. I loved this design and borrowed it from another CCer--I'm sorry I don't have the name to give the proper credit.
CakeCentral.com is the world's largest cake community for cake decorating professionals and enthusiasts.
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realmagick.com The shrine of knowledge.
Flrw Metric
A selection of articles related to flrw metric.
Original articles from our library related to the Flrw Metric. See Table of Contents for further available material (downloadable resources) on Flrw Metric.
- King Arthur and the Cymry Heroes
- The Celtic Britons called themselves the Cymry, which meant "fellow countrymen" in their Celtic tongue. Once Roman rule ended in Britain in about 410 A.D., a power vacuum developed, leading to the onslaught of Germanic invasions by Angles and Saxons,...
Saga of Times Past >> Legend and Prehistory
- Ehwaz
- The third rune of the third aett bears the reconstructed Common Germanic name Ehwaz. Later, its name became Aihws in Gothic (note how archaic Gothic is), and still later, Eh in Anglo-Saxon. If you remember that "k" in Indo-European changed to "h" in Germanic,...
Divination >> Rune Stones
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Suggested News Resources
- Mysterious 'supervoid' in space is largest object ever discovered, scientists
- There is no cosmological expansion in the solar system, that's not how the FLRW metric works. Sunspots do have significant doppler shifts due to internal flows.
- The Distribution of Dark Mater in Relation to Direct Detection.
- If the distribution of dark matter in the region near Earth is lower than it is usually assumed then the interpretation of null results of direct detection efforts must be reconsidered.
- Experts cast doubt on Big Bang bolstering discovery
- Actually the FLRW metric of LCDM model is just Schwarzchild metric of common black hole turned inside out - their geometries are otherwise the very same.
- It's bigger on the inside: Tardis regions in spacetime and the expanding universe
- Strict homogeneity and strict isotropy means that the universe described by an FLRW metric looks the same at a given time from every point in space, at whatever distance or orientation you look.
- God particle 'overhyped', says man behind discovery
- You can look up the FLRW metric, and some introductory cosmology texts can even teach you the derivation of it.
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Spurs suffer another Europa League hangover with home defeat against Newcastle
15:24 26 October 2014
PA Wire/Press Association Images
Tottenham endured another Europa League hangover as Newcastle came from behind to win 2-1 and inflict Spurs' third home defeat of the season in the Premier League.
Mauricio Pochettino's side had previously lost against Liverpool and West Brom at White Hart Lane following European games – and, after Thursday night's 5-1 victory over Asteras Tripolis, history repeated itself today.
Emmanuel Adebayor gave the Lilywhites a half-time lead, but Newcastle substitute Sammy Ameobi came off the bench at the interval and equalised eight seconds after the restart and Ayoze Perez then headed in the winner just before the hour-mark.
Having been defeated 4-1 at Manchester City last weekend, Spurs have now lost four of their opening nine top-flight fixtures, collecting just 11 points in the process and dropping to 11th place in the table.
Meanwhile, Newcastle gained their second victory of the season - and their second in successive games - to move out of the bottom three.
Pochettino made five changes to the side that had thumped Asteras Tripolis 5-1 in the Europa League on Thursday.
Harry Kane was left on the bench, despite his hat-trick against the Greeks, but captain Younes Kaboul, Danny Rose, Ryan Mason, Christian Eriksen and Nacer Chadli returned to the line-up.
Spurs have been commemorating the 10-year anniversary of Bill Nicholson's death this week, and the game was preceded by a tribute, with 16 Spurs legends and members of the legendary manager's family lining the side of the pitch for a minute's applause at the Lane before kick-off.
When the action got under way, both sides struggled to make incisive moves. Jan Vertonghen, Eriksen and Mason all tried their luck with ambitious shots from distance – all missing the target – while Newcastle's Paul Dummett responded in kind with a 40-yard strike which sailed over Hugo Lloris' crossbar.
The Magpies had the first real sight of goal as Lloris punched the ball straight to Jack Colback, but he could not get his shot on target – and Spurs promptly took an 18th-minute lead.
Erik Lamela turned in midfield and the ball was moved left to Chadli, whose shot inside the box was blocked – but Mason chipped to the back post and Adebayor leapt to head home.
Spurs grew in confidence and put some quick moves together in the midfield, but there was little end product in the final third until the 43rd minute, when Eriksen's chipped free-kick freed Chadli behind the Magpies' defence. Unfortunately the Belgian did not realise how much time he had and he skied a first-time volley into the stands.
Alan Pardew made a half-time substitution, introducing Ameobi, and he scored within eight seconds of the restart, surprising Eric Dier with his pace as he raced onto a long ball inside the full-back and fired clincially across Lloris.
Pochettino had not even emerged from the dressing-room to take his seat on the bench, so he came down the tunnel to find his players trudging disconsolately back to the halfway line in shock.
Spurs sought to hit back and Etienne Capoue and Mason combined to free Rose, who cut the ball across for Eriksen, and the Dane took a touch before seeing his shot inside the box blocked.
However, Newcastle took the lead in the 57th minute as Moussa Sissoko broke through the midfield and another Magpies substitute, Remy Cabella, crossed for Perez, who headed past Lloris.
It could have been 3-1 to the visitors as Kaboul was caught two on one and Cabella won the ball, raced into the box before shooting into the near side netting from a narrow angle.
Pochettino introduced the in-form Kane off the bench in the 66th minute and the 21-year-old had an early chance to level as Rose drove to the by-line and delivered a low cross. Unfortunately Kane was unable to generate enough power on his first-time effort and Tim Krul made a comfortable save.
Eriksen saw a shot blocked and Dier's flicked header from the ensuing corner went wide of the near post, while substitute Aaron Lennon lashed a 20-yard volley over the bar, but Krul was not being tested.
In the 89th minute Kane turned in the box and delivered a low cross in front of the goalmouth, but there was no-one there to capitalise and equalise – and Spurs were unable to fashion another telling chance in the five minutes of injury-time.
Tottenham: Lloris, Dier, Kaboul, Vertonghen, Rose, Capoue (Kane 66), Mason, Lamela (Lennon 78), Eriksen, Chadli, Adebayor (Soldado 82)
Follow me on Twitter @BenPearceSpurs


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For Dr. Sean Adelman - a father of three, including Dev, a high-school age daughter with Down Syndrome - life lessons are not just for the young. His daughter's experiences inspired him to write Sam's Top Secret Journal, the first in a Nancy Drew-style children's book series featuring a protagonist with Down syndrome.
Of the inspirational experiences, he says that various studies have shown that integrating special-ed students with non special-ed students - a modern movement called "Inclusive education" - offers many benefits for the entire student body, and his daughter Dev is living proof.
For more on Dev and Dr. Adelman and links to resources for different-abled children visit their website at raiseexpectations.com.


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The Own a Colour website opens for business this week to raise money for vulnerable children across the globe.The site lets you buy and name your own personal colour from a choice of over 16.7 million shades for a minimum donation of just £1 per colour. All money raised goes towards our work for children. One happy customer is UNICEF Goodwill Ambassador Sir Roger Moore.
"I am the proud new owner of a shade of blue, which I have named Swedish Blue", said Sir Roger.
"It is the colour of the Swedish flag, the homeland of my very wonderful and very beautiful wife, Kristina, and not far off the cyan blue that represents UNICEF. Both Kristina and UNICEF are extremely close to my heart."
Watch Sir Roger Moore's Own a Colour video
You might want to choose a colour that's trending, a colour near to one recently purchased by a celebrity supporter, or simply your favourite colour.
Either way, once you've selected a colour, it takes just a few minutes to register and make a donation. Then you can tell friends and family all about it through Facebook and Twitter. Own a Colour is powered by Dulux, who have already helped to improve the living environment of many people across the world through their Let's Colour programme.
"Right now millions of children are failing to receive adequate healthcare, clean water or an education. Said David O'Brien, Global Innovation Director at Dulux. "Our team is pleased to be involved with developing this unique project."Visit www.ownacolour.com to buy your own colour for a £1 and help transform a child's life.
UNICEF IS FUNDED ENTIRELY BY VOLUNTARY CONTRIBUTIONS.WE RECEIVE NO FUNDING FROM THE UN BUDGET© Unicef UK. The United Kingdom Committee for UNICEF Registered office: 30a Great Sutton Street, London EC1V 0DURegistered charity 1072612 (England and Wales) and SC043677 (Scotland). Registered company limited by guarantee 3663181 (England and Wales). All images © Unicef except where noted.


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Surface Studio vs iMac 5K comparison review: Apple and Microsoft all-in-one PCs battle it out
Abuse at care home.
I was a little surprised that this had not already come up on this forum. Anyway what are we to make of this dreadful story?
'Anyway what are we to make of this'
All organisations have there bad 'apples' why expect any more from care workers?
I hope all the people responsible for this dreadful cruelty to patients, finish up doing a good long jail term, where all the other jail inmates know who they are and why they are there.
Very often care workers are employed without proper training or qualifications, and so will attract exactly the wrong kind of people. Then, put them in a situation where they are given 'control' over others, with non-existent supervision, and it's a recipe for bullying.
It doesn't only happen because of the new 'private' care homes, it also used to happen in the old 'asylums' when under the department of health - it's similar bullies in both cases.
Again, we hope the majority of care homes and staff are what we expect and this is just one of a tiny minority of cases - but it must be ensured that those responsible are properly prosecuted, and this also means those in charge of the Company and those in CQC who ignored the warnings.
And what is to be done to the people that run these Homes, pay their employees the Minimum Wage, then expect them to work antisocial hours and unpaid overtime, launder their own uniform and fine them for minor infractions of Company Policy? Then expect them to shower 4 people in 20 minutes.
Diddy Squat, that's what.
Don't get me wrong, nothing excuses the behaviour exibited, but it might be worth while considering how many of those "Attendants" got there.
*wee eddie *
Do you think that these Oafs will try and defend themselves by claiming that having to wash their own underwear turned them into Thugs.
It was a horrendous watch and you have to wonder at the so called careworkers inhumanity. I was pleased to read that the Police had arrested 4 of them after watching the programme.
The only people that you will get to work for the Slave Wages that the Owners offer are those that can find no other employment.
OK, there are a few Saints that really Try and Care, but would you work, roughly 60 hours, backshift, for a little over £200 a week. I think not.
In many cases the "Care" Home Owners have degraded the Status of their Staff to such a level that only the weird and the desparate will work for them.
Look beyond the obvious, to try and find out why these things happen!
Having seen the program, it makes you think as to what the world is coming to. Here we had a case of a whistle-blower who tried his hardest to make contact with the management and the regulator, and he was totally ignored.
There is no point in the regulator or the management of these homes stating that they are very sorry, because very sorry is a total blank word when you are or have been abused, possibly as a daily event, as shown in the program.
All to often it is becoming more easy for people to falsify records, and again it showed it in the program. There is no point in the regulator stating that everything seemed well, on records alone, when a whistle-blowers comment are totally ignored.
All the people involved should be in investigated, and that should include the regulator and his staff, plus the management and staff. And if need be, the appropriate actions taken.
I would also suspect that this is by no means an isolated case, but happens only to frequently and daily in some establishments. There are some very caring people out there, and I have known a few who have worked in care homes and similar establishments. But how can you expect some of these more caring people to cope, when they themselves are perhaps being bullied?.
This thread is now locked and can not be replied to.


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|This thread has been locked, it will not receive new replies.
Locked on 09/25/2005 5:47:13 PM PDT by Admin Moderator, reason:
Skip to comments.Barbara Olson, Fox News Correspondent confirmed dead
Posted on 09/11/2001 12:15:58 PM PDT by DCBryan1
click here to read article
I am heartbroken about Barbara. She was as fine a woman as there has ever been.
Thank you for introducing me to her. I FReepmailed with her several times. She was an absolute angel.
GOD bless her and her family.
How terribly sad - such a waste of her life and the countless other victims of these lunatics.
May God bless the dead and dying as well as their survivors. And may God bless America.
Obviously a long-planned, well-thought out attack, but I really don't know what they could have possibly thought they were going to accomplish. This will awaken a sleeping giant in a way that no other event really could!! There is EVIL in this World, and I believe the Middle East fanatics have just demonstrated where much of this EVIL is located.
"...the State Department - the diplomatic nerve center of our nation"
I had heard that alleged car bomb outside the State Department was denied...have you heard differently?
"...and God knows where that other plane that crashed in Pennsylvania was headed (the Sears Tower?) before its plans were foiled by a heroic passenger or the U.S. military."
I heard a rumor that it was headed to Camp David, but have seen no confirmation.
"This REALLY is war, and I'm not a rabble rouser, but Arabs need to die. Many will be innoncent, but that's war. We need to strike hard, and nuclear strikes on Tehran and Baghdad, and hell-fire surgical strikes on Palestine and terrorist bases worldwide are not actions I would have one regret over. NOT ONE. What more could they do?"
There's got to be a way to prove Muslim Fanatic involvement, and once it is demonstrated, I agree with you 100%. Any MidEastern Government that has not demonstrated itself as being 100% against the years and years of Muslim Fanatic terrorism should feel our wrath. These groups would not exist except for the tacit approval of these governments and of many of the Sheeple in these Countries...they need to learn how hopeless their situation is when they decide to attack America.
"The Marine base in Lebanon .... Pan Am 103 ... The Khobar towers ... The African embassies .... The U.S.S. Cole ... The first Trade Center bombing. What in the world did we EVER do to these people???"
The Palestinians have never had a better buddy in power in America than when Bill Clinton was disgracing our White House, and they should have taken advantage of that anomoly when they had the opportunity. Now, Arafat and others need to be forced to pay for their bloodlust in no uncertain terms. "What did we EVER do to these people?!" Nothing, as far as I'm concerned!! But that shall soon change!!!
"ENOUGH IS ENOUGH! Regards, friend. I'm ready for war. Sign me up if that's required, it's go time!! That's not an emotional reaction, that's a resolute feeling."
I'm with you, my FRiend. When I saw that first WTC building come tumbling down and thought about all the brave rescue workers who undoubtedly lost their lives trying to save others, I became ill, then almost uncontrollable anger!! My brother and his family are now stationed over in Germany and I'm going to be praying for his safety in the upcoming weeks and months as we determine the proper response to this travesty. May that response send a signal that no would-be terrorist--or Country that supports such terrorism--can ever misconstrue!!
Prayers for all America...MUD
Prayers for her family.
Prayers for her family.
Yep...the toll in lives and the general sense of self-security will no doubt grow ever-larger over the next few days and weeks. The loss of Ms. Olsen is but the tip of a huge iceberg, but a huge loss nonetheless.
"...may God have mercy on us all."
Dittoes, especially as it concerns the retribution we have no choice but to exact!!
Dittoes and FReegards...MUD
BTW...I and many others really missed being able to hear Rush's words of wisdom today.
I think it stands for Barbara Kaye Olson. My family is praying for hers, and for all the other families who lost loved ones today.
My son just called from work and said his co-worker's father works in the WTC and hasn't heard from him and can't reach him today. I hope he got out in time.
Thank You and Best FReegards.
Here is who needs to die: All the members of Hamas, Islamic Jihad, Tanzim, the PA leadership, the PLO, the Popular Front for the Liberation of Palestine, the Democratic Front for the Liberation of Palestine, the Taliban, Osama bin Laden and his followers, Arafat, Saddam Hussein, Bashar Assad, Rafsanjani, and every radical Islamic cleric who has ever uttered the words "death to Americans" in a mosque, on the TV or radio or in print. They are all guilty of incitement to this violence.
Make no mistake about this. This is not a political war of Arabs vs Israel, it is a religious and cultural war that uses the political conflict as justification, because it is the only justifaction that the west would understand. But be clear about this, even before there was occupation these radicals wanted to kill Jews and destroy Israel. Even before Israel these radicals killed Jews in Palestine by the score. Do not believe their BS propeganda that occupation is the problem. There would be no occupation if not for their belligerence.
No, every single one of these Islamic fundamentalists who have perverted their good and decent religion into one of death and domination is now an enemy of America and is guilty of fostering and inciting violence against Americans. They as much as say so, but we choose to ignore them and think that this is a political conflict of Israeli vs Palestinian. It is not. It is good vs evil, it is the modern against the mideivel. It is the west vs these pan-islamic nationalists. May God bless us all.
As I said on another thread or post: "It's time to turn some sand to glass."
Best FReegards.
As I said on another thread or post: "It's time to turn some sand to glass."
Best FReegards.
In other words, to sum up my blathering, it's not your call to action I took issue with. It's your wording.
Note the words "I WONDER" and "Hillary." My words said nothing about LIBERALS bashing Ms. Olsen or her family. I was wondering specifically about what the evil Hildabeast might be thinking -- not any other liberals. Maybe you should actually read the words carefully before jumping to conclusions by generalizing my words beyond their intent.
That being said I bet that some of the posters are as incensed as I am buy the liberal blather on TV questioning President Bush's location and intelligence. It just grates on me that they get away with it and from there I think you get some of the nasty comments. Frustration
Saving bandwidth: Bin-Laden (spit) miscalculated. He overstepped severely. He has galvanized the formerly fat, dumb and happy, and further galvanized those us of us who have been conscious and free.
Sad, sad bump for others to see this thread.
God, that poor woman.
God, that poor, poor woman.
When Barbara came to Atlanta to speak before a Federalist Society luncheon, I was thrilled to be able to attend. Before the luncheon started, I wanted to primp just a bit, and dashed to the ladies room where.....the prettiest lady you ever saw was already there...Barbara Olson...and not the least bit embarrassed to have me gushing over her in the loo. She was so sweet, even made me believe she really had read some of my FR comments, and everytime afterward when we corresponded, I found out how truely gracious she was.
One of conservatism's most intelligent voices has been silenced, but I'm a better woman for having read, listened to, and learned from, Barbara Olson. She sat so proudly behind her husband at his confirmation hearing. My heart is broken for Ted Olson, and all who loved Barbara.
Alas, the same could not be said of the crew.
I'm signing off for a while ... I'm not thinking straight.
My profound sadness as well upon hearing about Ms. Olsen. She was a beautiful, intelligent and righteous lady. She'll be missed dearly.
Take it easy SLIM.
I hope he takes some consolation from this in his time of grief.
"Passenger phoned husband moments before Pentagon crash
A passenger managed to reach her husband on her mobile phone moments before American Airlines flight 77 crashed into the Pentagon.
Barbara Olson, a commentator for CNN and wife of US Solicitor General Theodore Olson, was one of 58 passengers on the Boeing 757. They had been herded to the back of the plane along with the four flight attendants and two pilots. In two brief and furtive conversations with her husband, Olson, 46, gave a few details about the plane's hijackers, CNN reported.
She mentioned that there was more than one, but the only weapons she described were knives and cardboard cutters, the network said. "What do I tell the pilot to do?" a frightened Olson pleaded.
Theodore Olson was able to alert the Justice Department's command centre of the hijacking in progress, but it was too late to help his wife and the other people aboard the plane. They were all killed when the airliner smashed into the Pentagon."
Story filed: 23:00 Tuesday 11th September 2001"
The conversation between Barbara and Ted, haunting and heartbreaking as it is, may be a clue as to what happened on that separate, particular flight. It sounds like the terrorists simply commodeered Barbara's plane using fairly crude and defensable weapons, killing no crew in the process, and probably assuring the passengers that they were just taking the plane to a safe location. If the passengers knew they were going to die - and take 10,000 other Americans with them - they certainly would have stormed the cockpit against knives and boxcutters. I would have. Grab a seat cushion and go for it. I'm a dead man anyway, so there's nothing to lose, and everything to gain, if the cockroaches can be overpowered and the crew reinstated.
I'm thinking that someone on that Newark-based flight got word (via news pager or cell phone) of the first three suicide crashes, figured out the score, and perhaps stormed the cabin to the ultimate tragic end. A crash in barren woods outside Pittsburgh was certainly not planned by the scumdogs ... either passengers fought for their lives and those of other innocents, or the military shot that plane down before it could reach its intended destination. I suspect there was some heroism on that flight we will never know about, and it probably saved thousands of people in the process.
It's all conjecture on my part, and whatever the circumstances of that flight, this has been a day of unimaginable outrage and evil. I believe in the righteousness of vengence, and more importantly .... that's something the Muslims understand intimately. They are waiting for the other shoe to fall, and if we show hesitation or weakness to drop that shoe, our lives and personal liberties will be under seige for the rest of whatever becomes of our nation's future. A defensive bunker mentality based on fear means one thing - a police state. That's unacceptable. Killing those who wish to kill us - that an unfortunate, but acceptable, alternative.
I know the feeling...I've just been sitting here watching FoxNewsChannel and dismally failing to grasp the enormity of today's events. I mean, how can we even fathom how the folks in NYC are coping? And usually we'd be in mourning over the needless loss of life of any single airliner going down in a day...but four?! To say nothing of the symbol of our National Security--the Pentagon--being violated in such a dastardly way.
Just thirteen hours ago I was humpin' away at the office trying to get some projects moving along...now we're talking about Declaring War on Bin Laden and his fanatic followers. I couldn't help but give the wife and kids an extra long hug tonight...I pray for the families that cannot do the same for their loved ones.
"Take it easy..."
You too, buddy...hopefully tomorrow will be brighter.
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text:
WASHINGTON (Warren County) On April 17 at about 2:25 p.m. Steven Smull, 23, was arrested by Warren County Sheriff's Officers at his residence in Phillipsburg on several Warren County Superior Court warrants.
Smull was wanted for failing to appear on a weapons possession charge and on a charge of receiving stolen property. He was taken to the county jail.
More Warren County news: NJ.com/Warren • Facebook • Twitter


text:
[Hook x4; Sample, Jay-Z, Black album, December 4th]
Hustlers, hustlers, we don't sleep, we don't sleep, rest one eye up
[Verse 1: Mr. Garth Culti-Vader, abbr. to Garth Vader]
Woke up in the morning with a bunch of weed to push!
Trainwreck, Purp, and OG Kush
Fuck you don't know crooked popos, government officials, and Mr. George Bush!
I gotta little bit of common sense to make dead presidents come back to life
Back with a price with a bag that's nice, wanna go think twice but shit ain't right
Hustlers, hustlers, we don't sleep, we gotta eat or put shoes on our feet (feet)
Walk through the street and slang this weed, go talk to my peeps and see what they need
Quarter P's of chronic trees, Purple OZ's, clones and seeds, sea of green, 215, a hustler's number one dream