text:
Regardless of who wins the election, we believe that precious metals and especially the undervalued junior miners should be included in one's portfolio. We are living in volatile times, where we see possibly many catalysts to cause a breakout in gold (NYSEARCA:GLD) and silver (NYSEARCA:SLV).
The world has chosen a Keynesian approach to the crisis, which may cause gut wrenching hyper-inflation. Remember, central banks all over the world are adding to their gold reserves- especially emerging nations. Countries such as China are overweight in U.S. dollars (NYSEARCA:UUP) and Treasuries (NYSEARCA:TLT) and have already began buying undervalued natural resource assets and early stage precious metal miners. They are opening banks for the first time in Canada and the U.S. to finance natural resource development.
The gold miners (NYSEARCA:GDX) are already beginning to outperform both bullion and the S&P 500 (NYSEARCA:SPY) and we believe this trend will continue due to favorable fundamentals and seasonality. For the past six months, the silver miners (NYSEARCA:SIL) and gold miners have outperformed.
We expect this trend to continue as investors see possible weaker earnings and slowing growth in the large caps, yet rising inflation and commodity prices, which benefit the miners.
Notice that even during this market correction, both the gold and silver miners are holding up well versus the S&P 500 and are outperforming bullion. The miners may be forecasting a coming breakout in gold at $1800 or a rotation from large caps to miners. After this breakout, look for the large miners with rising share prices and increasing cash positions to make deals with the cheap junior gold miners for large premiums. The large miners are desperate for growth, and to replace diminishing reserves.
Disclosure: I am long GLD, SLV, GDX. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

subset: commoncrawl


text:
Best Video Games of 2013winner333
The Contenders: Page 8XW
Thank god Insomniac finally knows what they are doing to the franchise. This game is going to be great!V3 Comments
Should give this one a try, very engaging and it's free to boot. You get to be a space ninja wielding a sword and a gun.
Come on its free and its graphics are cool! The movements and the fighting skills are very high! It's got to be better than this!
A great first person shooter that is on facebook and the rest of the web. In this game you can get different types of guns and armor that will help you get better in this massively multiplayer war game.
Why aren't you guys looking at indie titles? Call of Duty and Tomb Raider are all very well, but this game is the standout. Seriously guys, go on Steam more and look at the indie stuff. Or just keep playing Bioshock Infinite, that game's the best non-indie title.
I'm surprised this isn't any higher
I LOVE this game! I love the interaction between the show and the game. As well as the graphics, the ever changing enemies!
A lot of things to do. Fun party games, mini games, and GamePad games. Wii party you uses the GamePad in such good ways! This game is great for family and friends.
People only hate this game because its only on vita but it is brilliant.
What in the world this is like the best game ever
It's a math game
It is amazing. I love it
Recommended Lists
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List StatsUpdated 9 Dec 2016
183 listings
4 years, 56 days old
Top Remixes (187)
2. Batman: Arkham Origins
3. The Last of Us
2. Assassin's Creed 4: Black Flag
3. The Last of Us
2. The Walking Dead the Game
3. Crysis 3
View All 187


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Wait! We think you're in the US - Lovehoney.com is a better site for you.Shop there and get 10% off!Go to Lovehoney.com
Tracey Cox Supersex Silicone Love Ring
Average customer review 4 out of 5 stars187 reviews
Get knees trembling and orgasms for two on the menu with Tracey Cox's silicone cock ring. Stimulating textures for her, exquisite, pulsating pleasure to share and longer-lasting, harder erections for him are all rolled into one with this wondrous ring.
Product Description
Get knees trembling and orgasms for two on the menu with Tracey Cox's silicone cock ring. Stimulating textures for her, exquisite, pulsating pleasure to share and longer-lasting, harder erections for him are all rolled into one with this wondrous ring.
"Turn him into a human vibrator and both of you can enjoy an intense orgasm!" says Tracey Cox.
Slip this top quality, pocket-friendly love ring down to the base of his erection, position the textures at the top to caress her clitoris and let your pleasure session begin.
Just remember to add plenty of water-based lube to his penis, the inside of the rings and the textured surface for enhanced sensations.
Key Features:
- Vibrating silicone love ring for mutual pleasure enhancement during sex
- A single speed bullet vibe boosts stimulation for both partners
- Pleasure nodules caress and stimulate the clitoris during penetration
- Ring stretches between 1.25 - 4 inches for comfortable constriction
- Each set of batteries lasts for up to 40 minutes (3 sets included)
- Reusable design
- Designed by world renowned sexpert, Tracey Cox
How it measures up
- Maximum diameter: 4 inches
- Minimum diameter: 1.25
- Number of rings: 1
- Ring size: Stretchable
- Ring style: Single Ring
- Stimulator style: Clitoral
How it feels
- Contains latex: No
- Contains phthalates: No
- Material: Silicone
- Waterproof: Splashproof
Power and speed
- Battery Info: 2 x LR41 (6 supplied)
- Controller Type: Built in - push button
- Power Type: Batteries (included)
- Vibration speed: Single speed
Essential info
- Duration: 40 minutes
Product Videos
Buyer's Guide: Vibrating Cock Rings Explained
To watch videos, you need Version 9 or greater of the Flash Player. Click here to see which Flash Version you have. If you have Version 8 or less, get the latest Flash Player here.
Whether you're looking for something that's going help you last longer or give extra pleasure, a vibrating cock ring could be just what you need. Annabelle Knight explains why they make a great couple's toy and how to use them. Read more: How to Use a Vibrating Cock Ring.
Tracey Cox Supersex Silicone Love Ring
To watch videos, you need Version 9 or greater of the Flash Player. Click here to see which Flash Version you have. If you have Version 8 or less, get the latest Flash Player here.
Enjoy intense orgasms for two with the knee-trembling Tracey Cox Supersex Silicone Love Ring. With an added textured area for clitoral stimulation, just slide it on and switch on the vibrations for exquisite, pulsating pleasure.
Buyer's Guides
Buy the best cock ring for you and learn how to get the most out of your new penis ring with our advice guides.
Sex Toys Guides > Cock Ring Guides > Which is the Best Cock Ring?
Sex Toys Guides > Cock Ring Guides > How to Use a Vibrating Cock Ring
Sex Toys Guides > Cock Ring Guides > How to Measure Yourself for a Cock Ring
Explore more from our collections…
Customer Reviews
Tracey Cox Supersex Silicone Love Ring 187 4 out of 5 stars
See all 187 customer reviewsOrder by:Write your own review
- 5 star
- 99
- 4 star
- 59
- 3 star
- 14
- 2 star
- 7
- 1 star
- 8
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- Rating
Tracey Cox Supersex Silicone Love Ring
First time was a good time
Reviewed: 19 November 2016 by Samantha1234, a Straight Engaged Female
Being together five years with two children, things can get a little boring.
Decided as our first time at things like this we'd get the Love Ring.
Since using this we've both agreed it's amazing. Our sex lasts longer and is more enjoyable. It's lit a spark I thought we'd lost!
- Pros
- The vibration pulse.
- Cons
- It was a little tight on my other half.
- Bottom line
- Amazing. Defitely a game changer for a newbie.
- Was this review helpful to you? Yes
New vibrations
Reviewed: 01 November 2016 by Duckme
I've never used a cock ring and neither has my boyfriend so when this came up on the Deal of the Day I couldn't not try it!
I'm a sucker for anything that vibrates so I've enjoyed this toy a lot. I didn't tell my boyfriend that I'd purchased this item but when he came to visit me at uni he enjoyed it very much. Luckily the vibrations are strong but the toy is still quiet so my flatmates haven't heard us use it yet.
Aesthetically this toy appealed to me because of its simple black design and has found a place in my simple black toy bag with other simple black toys.
- Pros
- Price, colour, and texture.
- Cons
- Battery length.
- Bottom line
- An exciting new experience.
- Was this review helpful to you? Yes
Order by:
Perfect Personal Plaything
Reviewed: 11 September 2016 by her ladyship's bum licker, a Straight Going Steady Male
Following a plethora of exquisite excursions with this versatile little vibe, Her Ladyship has demanded that I write this review to sing its praises. Quote: "The merits of this delicious device to womankind are such, that I believe every Lady should have one." So here's the lowdown on this Lovehoney lovely.
This chic, stylish and non-imposing offering from the Tracey Cox range is billed as a 'love ring' as opposed to a 'cock ring' and the description couldn't be more apt. The silicone material is super stretchy and whilst this facilitates an easy fitment, if restriction's your thing it's best worn in addition to a more traditional cock ring, ball divider or ball stretcher.
The idea is admirable. A mini vibe that packs a powerful punch stimulates the clitoris whilst equally delighting the lucky wearer. Doubtless this objective is honourable and eagerly delivered by this luscious 'love ring'. However, Her Ladyship has other ideas on how to maximise its true potential.
The Lady now insists that I wear the love ring whilst she meets out justice to my disobedient raised rear. It greatly amuses her that I am excruciatingly edged to breaking point whilst being sternly chastised for my errant misgivings. Another favourite royal pastime is to attach the ring to my 'mouth gag dildo harness' where I am merely left to imagine what paradisiacal pleasures are being entertained on a higher plain.
In summary, whether turning your man into a human vibrator floats your boat or whether divine cruelty and dominance is your preference, this perfect personal plaything will set your pulse racing.
- Pros
- Versatile vibe with venom.
- Cons
- Too stretchy to restrict. An addition, not a replacement.
- Bottom line
- Every Lady should own one.
- 3 people found this review helpful. Was this review helpful to you? Yes
- Newest
- Most helpful
- Rating
See all 187 Tracey Cox Supersex Silicone Love Ring reviews…


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Abu Tammam
On this page:
Who is Abu Tammam?
Abu Tammam was an Abbasid era Arab poet and Muslim convert born to Christian parents.
- also known as حبيب بن أوس بن الحارث الطائي, أبو تمَّام الطائي, أبو همام الطائي, 阿布·塔马姆
- born in (1211 years ago) in Syria
- ethnicity: Arabs
- nationality: Abbasid Caliphate
- profession: Writer, poet
- died in (1171 years ago) in Mosul
- read more about Abu Tammam (poet)
Printed dictionaries and other books with definitions for Abu Tammam
Click on a title to look inside that book (if available):
Oriental Translation Fund (1843)
' " Abu Tammam means to say (in the verse before (i530 IBN KHALLIKAN'S.
The Encyclopaedia Britannica (1911)
A Dictionary of Arts, Sciences, Literature and General Information by Hugh Chrisholm
Abu-l-'ala; Abu-l-'Atahlya; Abuliaraj; Abulieda; Abu-l-Qasim; Abu Nuwas; Abu Tammam; Abu Ubaida; Akhtal ; Alqama Ibn 'Abada; Amru'-uI-Qais. Warden of Camden College, Sydney, N.S.W. ...
Historical Dictionary of the Ismailis (2012)
by Farhad Daftary
See also ABU TAMMAM, YUSUF B. MUHAMMAD AL-NISABURI; AL-BUSTI, ABU'L-QASIM ISMA'IL B. 125 ...
The New International Encyclopaedia (1918)
by Frank Moore Colby, Talcott Williams
The name of a famous anthology of Arabic poetry, collected by Habib ibn Aus al Tai, surnamed Abu Tammam (c.807-846), and divided by him into 10 books. The first book is the longest and deals with the heroes of pre-Islamic times, illustrating ...
Online dictionaries and encyclopedias with entries for Abu Tammam
Click on a label to prioritize search results according to that topic:
Share this page
Go to the wordplay of Abu Tammam for some fun with words!


text:
Belgium biscuits
Total Time
Prep 15 mins
Cook 15 mins
Blast from the past! There would always be a plate of belgium biscuits at the local fete. These are best with a simple white icing with some jelly crystals sprinkled over the top for decoration.
Ingredients Nutrition
- 1⁄4 lb butter
- 1 cup sugar
- 1 egg
- 1 teaspoon baking soda
- 1 tablespoon cinnamon
- 2 cups flour
- 1 teaspoon mixed spice
- 1 tablespoon golden syrup
- Cream the butter and sugar, add the egg and syrup, then the dry ingredients.
- Roll and cut in the usual way.
- Bake on a greased tray for 15-20 minutes in a moderate oven[350 F/180 C].


text:
Category: Stock Graphic, Illustrations
Stock Graphic >> Illustration - Social Media vector illustrations 143834 by dan @ CreativeMarket
File Size: 7.91 MB; DPI: 300 DPI; Vector: Yes.
Social Network - set of vector illustrations. Four concept illustrations visualizing a social networking. Vector EPS10 and High resolution JPG files included.
Keywords: vector, illustration, social, network, media, twitter, concept, dove, bird, talk, conversation, speaking, converse, dialogue, chick, mobile phone, cellphone, smartphone, app, computer.


text:
Get rewards and exclusive deals, make lists, check your order status, and more.
Online or in-store, we'll help you create the ultimate home entertainment experience.
Premium appliance brands and expert service available inside select Best Buy stores.
Shop a wider selection, talk to a camera expert and try before you buy at select Best Buy stores.
Great deals happening right now.
This week's best deals, all in one place.
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Clearance, pre-owned, refurbished and open-box.
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Best Buy is dedicated to always offering the best value to our customers. We will match the price, at the time of purchase, on a Price Match Guarantee product if you find the same item at a lower price at a Designated Major Online Retailer or at a local retail competitor's store.
Exclusions apply including, but not limited to, Competitors' service prices, special daily or hourly sales, and items for sale Thanksgiving Day through the Monday after Thanksgiving. See the list of Designated Major Online Retailers and full details.
Normal Wear & Tear · Power Surges
Plan Details
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Requires the installation of custom panels and handle (not included)
To keep plenty of wine cool.
Enable easy adjustments.
Allow you to maintain different temperatures, so you can store red and white wines separately.
Offer durability and a classic look.
Shields your collection from damage due to the sun and allows you to look inside without opening the door.
Enables flexible installation.
Prevents unintended adjustments.
Helps you find what you're looking for.
Ensure solid placement on uneven flooring.
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text:
A Good Deal: No Evil 022
Round up4.29 / 5.00 2,906 Views
Park Bench
A short film about a park bench4.15 / 5.00 2,338 Views
frog thing
frogggsgsgs3.79 / 5.00 2,696 Views
the original that started it all.
Alriiight!Juz as great as the other ones!Keep making these...
Actually, this isn`t the first one that started it all, i just didn`t like the first epiosde for the launch on newgrounds and decided to make a extra pilot episode for a more succesfull launch..Thanks for the review!
not bad
nice for ur 1st one...but sounds effect r kinda bad...XD nice job for 1st video tho
Not as good as the other imps
This one wasn't really good. It was okay but it could have been better.
It was allright..
The artwork wasn't too bad, but some of the animation such as the mouth movements seemed very unnanutral looking. The quality of the sound wasn't that great and many of the sound files semed disjointed from one another. I think a better idea would be to use an audio editting program like Cool Edit to join all the lines into one audio file which would be played as a streaming file as opposed to a bunch of event audio files. Of course then you would have to guess that amount of time between the voices when putting it togethor, which may be difficult. Also why did that one guy have cpations on his voice yet nobody else did?
There's definetly potential for this in the future though
Jup, everything you said is known by me by now, I improved the artwork in episode 11 and the mouthmovements are changed from episode 8(so check the xmas episode for the result)I`ll check the cool edit programm but the problem is i can`t use big sound files or they`ll get screwed up(the timing of the intro song and ESPECIALLY endtheme is already screwed up) so i don`t like the idea of it...But what do you mean with cpations? but to answer your question, we aren`t called "international" moron patrol for nothing, all voice actors come from all across the world(well, actually only north america, canada and Europe..)so we all have difrent computers, diffrent mikes and diffrent soundcards..For the rest, thank you for your review!
I didn`t really like this one.
Did they ALL start in hell? How did they die?
no, only hhog was in hell, because he is born ini a vulcano or something and later on Hb died and comes back to live.The others never where in hell..Sorry it statrts so serious, i just asked the other members for their orgin stories and thtey were all like this or even worse,,^_^;


text:
Stock Photo:
SELANGOR, MALAYSIA - JANUARY 8: Chinese New Year decorations at Sunway Pyramid Shopping mall on January 8, 2012 in Selangor, Malaysia. In Chinese Horoscopes 2012 is the year of the Dragon.
- Image ID:92458528
- Copyright: Faiz Zaki
- Editorial Credit: Faiz Zaki / Shutterstock.com
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Use of this image in advertising or for promotional purposes is prohibited.
- Available in high-resolution and several sizes to fit the needs of your project.
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- Our license is a global/world-wide usage license that lasts in perpetuity. Once you have downloaded your image, you have life-long rights to use it under the terms of the license purchased.
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text:
Auf Kommentar antworten
Lubuntu 16.04
Lubuntu 16.04
Lubuntu til computere med mere end 384MB ram.
"Thanks to all the hard work from our contributors, Lubuntu 16.04 LTS has been released! With the codename Xenial Xerus, Lubuntu 16.04 LTS is the 10th release of Lubuntu, and the second long term support release. Lubuntu 16.04 LTS will be supported until April 2019, with three years of support..."
Related linksRelaese announcement
Relaese notes


text:
How many miles? 221 Miles / 356 Km
How many times? 3 hours 9 mins
Distance from Brandon, MS to Memphis, TN is 221Miles or 356 Km. You can get this distance about 3 hours 9 mins. If you want to planning travel with plane for 200 Miles or 321 Km, You can get this distance about 55 mins .
A car with an average MPG will needs 10.23 gallons of gas to get the route between these points.
The estimated cost of gas to get between Brandon, MS and Memphis, TN is $23.22.
During the route, an average car will release 200.43 pounds of CO2 to the atmosphere. Your carbon footprint is 0.91 pounds of CO2 per mile.
* Average US MPG used for calculations is 21.6 MPG.
* Average US gas price used for calculation is 2.27 per gallon.
* Coordinates of Brandon, MS is 32.273109, -89.9859178 and coordinates of Memphis, TN is 35.1496633, -90.048945
All Rights Reserved. © 2010 - 2016 Feedback


text:
Morgan Stanley pleased with fixed income progress
Ruth Porat, chief financial officer of Morgan Stanley, said the bank was pleased with the progress it was making towards meeting the goal of increasing its market share in fixed income by 2% after being held back by under investment in previous years.
Speaking at the Deutsche Bank Global Financial Services Conference in New York yesterday, Porat was asked why fixed income revenues still lagged its rivals despite the bank hiring hundreds of new staff for the business.
She replied: "We had under invested for quite some time and after completing the hiring last summer and putting in new leadership we have greater presence and persistence with clients and our first quarter numbers show that in terms of relative performance we are narrowing some gaps. We knew this would take time as we systemically expanded the team."
In January, Ken deRegt was moved from the role of chief risk officer to global head of fixed income sales and trading (excluding commodities) and Glenn Hadden, a partner at Goldman Sachs, was hired as global head of interest rates. On the first quarter results conference call, James Gorman, chief executive, said: "This is the first time that I am comfortable with the leadership of fixed income."
In the first quarter, Morgan Stanley reported fixed income and commodities sales and trading net revenues of $1.8bn, down from $2.7bn in last year's first quarter. The bank said the lower results in credit products were partly offset by higher net revenues in interest rates and commodities.
Porat said yesterday that investment in technology is key to executing the bank's strategy and that the firm employs 14,000 technology-related employees and consultants globally.
In institutional securities, she said the firm was spending $500m this year on technology including expanding MSET, its electronic trading platform used in institutional equities and foreign exchange, deeper into fixed income, which will reduce risk and improve trading efficiency.
She said: "Over the last two years, our electronic trading volumes have grown at a compound annual rate of more than 100% in FX and 60% in rates."
Morgan Stanley has also hired more than 200 people in its risk department in the last two years to take staff in the unit from 300 in January 2009 to 500 in April of this year.
Although Morgan Stanley is continuing to spend on technology, in February it also set up an office of re-engineering and expense management under the chief operating officer with the aim of achieving more than $1bn in annual run-rate savings over three years.
- Write to email@example.com


text:
The Scooter Hut scooter stand is designed to hold any scooter, even with pegs fitted, and comes with a lifetime warranty.
This scooter stand is made from very high quality moulded plastic, and is the perfect solution to keeping your scooter in a convenient and neat place.
The Scooter Hut scooter stand is designed by our team and we use it in our retail shops to hold our display scooters tightly in place, so if we can trust it in our retail stores you can certainly trust it to keep your scooter upright at home.
This is the only scooter stand we recommend to our customers, due to its compatibility with ANY scooter, and it's lifetime warranty.
Available in a choice of colours.
We provide a flat rate shipping:
Estimated shipping times*:
*All stated times are estimates and actual delivery times may be affected by circumstances out with our control.
Faster Shipping?
Express post within Australia is available at an extra cost (select this option at checkout if you require this service)
For full shipping details please see our shipping page
Shopping at Scooter Hut has never been easier with our simple and easy returns policy backed by Google Trusted Stores and considered "best practice" by PayPal.
Here at Scooter Hut we want to make it as easy as possible for our customers to get the products they want and need but understand that sometimes, the product you purchased may no longer be needed or may not fit!
This is why we have worked on a simple, hassle free returns process that makes it easy for our customers to returned an unused product for exchange, credit or refund!
Simply click here for all the information regarding our returns policy and don't forget our staff are always on hand to help you with advice on your next purchase! Simply drop us a line with any questions and our dedicated team will be happy to help!.


text:
Hotel Minerva, Santa Margherita Ligure
- Free buffet breakfast and WiFi
Main amenities
- 37 guestrooms
- Rooftop terrace
- Seasonal outdoor pool
- Bar/lounge
- Sauna
- Self parking
- 24-hour front desk
- Air conditioning
- Daily housekeeping
- Garden
- Front desk safe
- Self-serve laundry
For families
- Free toiletries
- Garden
- Daily housekeeping
- Laundry facilities
- Hair dryer
- Blackout drapes/curtains
What's around
- In a regional park
- Marina di Santa Margherita (0.1 mi / 0.2 km)
- DWS Diving (0.2 mi / 0.3 km)
- Bau Bau Beach (0.3 mi / 0.5 km)
- Santa Margherita Ligure Castle (0.4 mi / 0.6 km)
- Villa Durazzo (0.4 mi / 0.7 km)
Hotel Minerva, Santa Margherita Ligure
Hotel Info: 866-539-8117from $84
- Comfort Double Room
- Comfort Double Room
- Small Double Room
- Single Room
- Standard Double Room
- Triple Room
- Small Double Room
- Superior Double Room
More great choices
At a glance
Key facts
Hotel size
- This hotel has 37 rooms
- This hotel is arranged over 4 floors
- Check-in time 2 PM-midnight
- Check-out time is 11 AM
Required at check in
- Credit card or cash deposit required
- Government-issued photo ID required
Travelling with others
- No cribs (infant beds)
- Pets not allowed
- Free WiFi in public areas
- Free WiFi in rooms
- Self parking *
Nearby Three Star Santa Margherita Ligure hotels
In the hotel
- Free buffet breakfast daily
- Bar/lounge
- Room service (during limited hours)
- Outdoor seasonal pool
- Steam room
- Sauna
- Golf lessons available nearby
- Golfing nearby
- Hiking/biking trails nearby
- Scuba diving nearby
- 24-hour front desk
- Concierge services
- Laundry facilities
- Luggage storage
- Multilingual staff
- Number of buildings/towers - 1
- Year Built 1952
- Elevator/lift
- Safe-deposit box at front desk
- Rooftop terrace
- Garden
In the room
- In-room climate control (air conditioning)
- Air conditioning
- Minibar
- Slippers
- Blackout drapes/curtains
- Individually decorated
- Individually furnished
- Bidet
- Free toiletries
- Hair dryer
- Flat-screen TV
- Digital TV channels
- Desk
- Free WiFi
- Phone
- Daily housekeeping
- In-room safe
Top Santa Margherita Ligure hotels
Recently reviewed hotels in Santa Margherita Ligure
- Comfort Hotel Europa Genova City CentreFrom
" Easy to find from the train station. Walking distance to everything. Easy access to metro station I would stay there again. "Dec 3, 2016
- Hotel NologoFrom
"Welcoming and helpful staff. Pleasant decor. Close to shopping and restaurants. Safe hotel and area. "Dec 1, 2016
- Best Western Premier CHC AirportFrom
"Stayed for one night for airport access. Clean and convenient. The beds were a bit uncomfortable and there was no one to help with bags on arrival. We did arrive very late. Very…"Dec 1, 2016
- Villaggio Turistico Costa MorroniFrom
"Our hotel owner was very kind. He went out of his way to make sure that we were comfortable. He even went out into the pouring rain to get my son milk. He went above and beyond…"Nov 27, 2016
Nearby hotels
Also popular with travelers from the USA
Hotel Minerva, Santa Margherita Ligure's small print
Also known as
- Hotel Minerva Santa Margherita Ligure
- Minerva Santa Margherita Ligure
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.
Parking height restrictions apply.
Optional extras
Self parking costs EUR 15 per night
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.
Recent reviews
Outstanding 4.6 /5 from 68 reviews
Portofino is absolutely picturesque with a walkway along the shore. The hotel Minerva was in easy walking distance of the central location but a bit hard to find because it is sited in the middle of the block and a GPS can't quite swing good directions for that. (A good hint is to look up for the arrows pointing in the direction of the hotel.) It's a bit funky in a very good way with 50'collages papering the walls. It was impeccably clean and the staff helpful with enough English to get us through our stay.
My daughter and I spent 3 days at this wonderful boutique hotel, which is rated 3 stars, but it has a 4 star breakfast which is included, and a 5 star rooftop jacuzzi, spa, exercise area with a beautiful panoramic view of the sea. The hotel is located in a quiet area just up a few streets from the harbor and all the restaurants and shops. This is a family run hotel, and their attention to detail is wonderful, from the ample and very high quality breakfast, to the 5 star rooftop large jacuzzi pool with bubbling beds, sauna, steam room, and even a eucalyptus scented shower. We felt like we were being pampered at a private spa - and we look forward to our next trip there.
This hotel was great value for the money. It is located a few blocks from the beach. The staff was very friendly and accomodating. The room was very spacious and clean, as well as the bathroom. They give you fresh beach towels every day on a bag so you can go to the beach and not worry about that. Breakfast buffet had a good variety of things. They even have bathrooms with showers which you can rent in case you leave after check out time and you want to hit the beach before leaving.
Loved this place. Will come back again.
Wonderful gem of a hotel; quiet neighborhood; easy walking distance from promenade and waterfront; nice reception staff who speak Rnglish and give great restaurant recommendations; delicious buffet breakfast; view from rooms on upper floors; breakfast can be eaten in tranquil garden setting; very clean
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My 14 yr old son has ADHD and has been kept back for the 3rd time! Is there anything I can do about getting him in the right grade? He's in the 6th!
My 14 year old has ADHD and has been having behavior issues since Kindergarden. I've been bringing him to a psychiatrist and he has been taking medications daily. He have been held back in the 1st grade in New Orleans, then the 5th grade in St. John parish (twice but they pushed him up because it's not legal to make a child repeat the same grade) and now the 6th grade. I had paid $550 for a summer school and he made a D in English and the principal saidit wasn't high enough for a promotion. It's upsetting that the schools out here don't try to help my child. I called several places and learned that I can request a board level committee meeting to get him into a Section 504 program, but he still will remain in the 6th grade. It isn't fair! The schools should have told me about these programs early on and I'm just learning about them! Now that he's 14, he feels like a failure and doesn't want to go to school. They are hurting the children when this happens! I am stressed out and hurt! Any suggestions will be appreciated.In Topics: School and Academics, Learning disabilities
> 60 days ago
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Separate names with a comma.
Discussion in 'Fuji X100 Forum' started by Ghosthunter, Oct 2, 2012.
W i d e - Taken with the X100 in Rye, Kent.
Bridge at Rye by andywest1, on Flickr
The great skyscape sure distracts from seeing the bridge!:smile:
Silly question: I'm assuming this is with the 28mm wide converter?
No. It's just std. I do not own the converter....yet!
Gorgeous, Andy!
And to think that I live in Rye and am moving to Kent.
What sort of software did you use, if I may ask - and are you shooting RAW or is that a jpeg with one of the film tones...you know what I mean...?
I must own the X100.
You won't regret it
Hi BB
How spooky is that!!
I processed the shot in Lightroom, Then into Color Efex 4 and then Sharpener 2 with a final touch up in Elements 9. It was shot in RAW which is unusual for me with this camera as I usually shoot Jpg,s as they are SO good!
Thats one of the things that's so endearing about the x100. Thats said, I've started shooting raw again, because I've realised that if you nail the focus with this thing (I don't always, with tremulous hands) you can crop down to heck and still retain brilliant resolution and sharpness (well not too far but you get my meaning). For jpgs, something would be lost in the translation. Sometimes I shoot, knowing that I don't want the whole scene but just a part of it, and knowing that I can crop and get a good sharp shot. Your bridge, for example, would come out really nicely (not that it didnt... I think I'll stop while I'm ahead, I think the shot is wonderful...).
Great shot Andy!
What bridge?


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How to Set the Contrast in an iMac
The LCD displays of iMac computers are well-loved for their sharpness and vivid colors. However, a person with vision challenges may need to improve the contrast of the screen to make the iMac more accessible. The iMac includes several options to improve the accessibility of the computer. Use the Universal Access menu to set the contrast of your iMac and improve the readability of the screen.
Step 1
Click the "System Preferences" icon in the dock, or click the Apple icon then "System Preferences".
Step 2
Click the "Universal Access" icon.
Step 3
Use the slider bar next to "Enhance Contrast" to set the contrast of the iMac's display.
Step 4
Close the window when you are happy with your changes. The new contrast setting saves automatically.
Tips & Warnings
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You can't make this stuff up. On Friday morning's New Day, CNN anchor Chris Cuomo badgered Rep. Marsha Blackburn over defending Trump's conservative pick for the head of the EPA asking her, "Can you be for clean air and water if you do not believe that man has a hand in global warming?"
Every time Hillary Clinton has made a public appearance since losing the election, the media goes nuts. Even the New York Times opined about her "chance" appearances as a "political salve" for their sore loser wounds. Two of the three networks Friday morning used their morning shows to excitedly report on Clinton's latest public appearance, where she condemned the media's latest bogeyman, "fake news." ABC excitedly reported on Clinton's return to "the spotlight" with Jon Karl calling her "the most prominent voice in the democratic party." NBC's Peter Alexander also covered Clinton's rebuke in a less effusive report, while CBS This Morning passed.
With each conservative cabinet pick, the media freaks out and does their best to characterize each person as a radical extremist. Oklahoma Attorney General Scott Pruitt was next in line for the media to attack, as the liberal women at The View were quick to bash Trump's "horrible pick" for the Environmental Protection Agency as someone who was going to leave the United States in an apocalyptic wasteland filled with polluted air and dirty water.
On Wednesday's The View, the notoriously biased panel touted their trustworthy reputations, in a completely unironic segment. While discussing 'fake news,' the panel contrasted right-leaning media website Breitbart with the "news" they give on The View. The most radically left hosts, Joy Behar, Sunny Hostin and Whoopi Goldberg, gushed over their own credibility, touting that any facts they give are "fact-checked" by ABC News.
Wednesday on The View, the panel made some wild predictions about what would happen during Donald Trump's presidency. But not before making some clearly factually inaccurate statements. The panel blamed Trump for supposedly taking away people's health insurance already before warning that Mike Pence was going to take away women's rights and LGBT rights.
Lately, Hollywood has been in a bit of panic mode. Clearly the election of Donald Trump has thrown them through a loop because they left no room for even the slimmest possibility of Trump winning the presidency. Comedian Tina Fey is no different and let her apparent distress be known to David Letterman in an interview he conducted with her for The Hollywood Reporter. The former late-night host commiserated with the former Saturday Night Live comedian over their newly found realization of American's "misogyny"--(rich, coming from the host who admitted to sleeping with his interns)--and how they would deal with the disappointing blow.
In another case of a journalist completely lacking self awareness, NBC Today anchor Savannah Guthrie admitted to The Hollywood Reporter that she tried "really hard" to stay unbiased in her job. But not before slamming viewers who didn't share her own opinions as "biased." "I try really hard to stay neutral," she said. "But often that's not what you're finding on social media. You're finding people who are very opinionated and detect bias in anyone who does not share that opinion," Guthrie added.
To start off ABC's The View show December 2, the ladies actually discussed whether or not Trump's election win was causing a phenomenon of wives spurning their husbands in the bedroom. Calling it the 'Trump Bedroom Backlash' Behar asked, "Is Trump causing 'electile dysfunction?'" before the panel erupted in giggles but also agreement.
Friday's "Hot Topics" on the View was so incredibly biased it was hard to know where to begin. After playing a leaked audioclip of Trump aide Kellyanne Conway arguing with Clinton aide Jennifer Palmieri about the election results, Behar asked the panel if Palmieri was right in calling out Conway for winning on a platform of white supremacists. The liberal panelists wholeheartedly agreed with Palmieri, with Sara Haines making the most ludicrous comment.


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Full Story:eMarketer


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Decided: September 3, 1993.
WALTER-THOSTI-BOSWAU AG, APPELLANT,v.MICHAEL P.W. STONE, SECRETARY OF THE ARMY, APPELLEE.
Before Archer, Circuit Judge, Cowen, Senior Circuit Judge, and Michel, Circuit Judge. Cowen, Senior Circuit Judge, concurs in the result.
ARCHER, Circuit Judge.
Walter-Thosti-Boswau AG (WTB) appeals from the decision by the Armed Services Board of Contract Appeals (board), Walter-Thosti-Boswau AG v. Secretary of the Army, ASBCA No. 37973, 92-2 B.C.A. (CCH) P 24,841 (1992), in which the board upheld the contracting officer's (CO) decision denying WTB's claim for an equitable adjustment. We affirm.
A. The United States Army Corps of Engineers (Army) and WTB entered into a firm, fixed price, lump-sum contract on September 19, 1987 for the renovation of military housing in Erlangen, Germany. Upon completion of the contract, WTB filed with the contracting officer a claim for an equitable adjustment in the amount of DM 469,050 (approximately $317,269 in United States currency). WTB's claim for an equitable adjustment was based on the fact that the Army required WTB to install impregnated (moisture-proof) gypsum board panels on the ceilings of all rooms in the renovated apartments. WTB maintains, under a correct construction of the terms of the contract, it was required to install the ceiling panels only in "wet rooms," i.e., bathrooms. The contracting officer denied the claim and on appeal his decision was upheld by the board.
The contract between the Army and WTB was executed on Standard Form 1442 and is divided into sections as follows:
Composition of Solicitation/Award:
1. Part I Schedule . . .
Part II Instructions, Conditions and Notices . . .
Part III Special Contract Requirements . . .
Part IV Contract Clauses . . .
2. Specifications and Drawings . . .
Section 2 contains a "Preface to Specifications" describing the work to be done under the contract. Paragraph 3.1.5 headed "Complete Bathroom Renovation" provides under a subheading "Ceilings":
Ceilings: Impregnated moisture-proof gypsumboard panels, painted with enamel paint.
Paragraph 3.1.6 entitled "Renovation of Damaged Plaster and Finish Areas" provides:
Walls and Ceilings: In living, dining and bedroom areas, as well as corridor areas, all wall and ceiling plaster incl. reed mats will be removed. Walls to be provided with machine-applied gypsum plaster MG-PIVa, ceilings with gypsum board panels.
Section 2 also includes the "Master Specifications" covering particular categories of work. It provides in Item 03.02.0503:
Ceiling lining with impregnated gypsumboard panels for wet rooms, board width 625 mm, board thickness 12.5 mm incl. suspension system of galvanized C-sections, suspension height approx. 150 mm to 250 mm. Joints shall be filled, reinforced, and spackled.
Included among the drawings is Drawing No. A5 entitled "Interior Finished Schedule Standard Building VA." Although labelled a drawing, Drawing No. A5 is actually a table delineating the specific materials required for the interior finish for each type of room in the housing units. Drawing No. A5 shows that ceiling linings are required in bathrooms, dining rooms, living rooms, bedrooms, halls, stairs, corridors and toilets.
In addition to the contract documents, the Army furnished the contractor with a schedule entitled "Cost and Quantities Breakdown." This document was only informational as expressly noted on the face of the solicitation document, standard Form 1442, which stated: "NOTE: Cost and Quantities Breakdown . . . furnished for information only." On the first page of this schedule paragraph 1 gives the following notice to contractors:
All items of work described in the specifications and shown on the drawings are included in this "bid schedule". There are no quantities shown in this "bid schedule". It is the intent that each contractor will estimate his own quantities and unit prices for all listed work items and record his total lump sum bid prices in the accompanying "Cost Summary" Part No. I.
The board found that "this document was not returned to the Government with the offers." While the schedule contains a listing of various items of work, each with numerical designations corresponding to subsections in the "Master Specifications," the only reference to ceiling panels is Item 03.02.0503, entitled "Ceiling Lining Impregnated." The corresponding item in the "Master Specifications" required impregnated gypsum board panels for wet rooms.
The contract in Part II, "Instructions, Conditions and Notices," contains a provision incorporating Federal Acquisition Regulations (FAR) § 52.215-14, entitled "Explanation to Prospective Offerors" which sets forth the manner in which a prospective bidder can seek an explanation or interpretation of the solicitation document before bidding.
Any prospective offeror desiring an explanation or interpretation of the solicitation, drawings, specifications, etc., must request it in writing soon enough to allow a reply to reach all prospective of offerors before the submission of their offers. Oral explanations or instructions given before the award of the contract will not be binding. Any information given to a prospective offeror concerning a solicitation will be furnished promptly to all other prospective offerors as an amendment of the solicitation, if that information is necessary in submitting offers or if the lack of it would be prejudicial to any other prospective offerors.
Part II of the contract also incorporates FAR § 52.215-33, which provides for an order of preference among the contract documents, as follows:
Any inconsistency in this solicitation or contract shall be resolved by giving precedence in the following order: (a) the Schedule (excluding the specifications); (b) representations and other instructions; (c) contract clauses; (d) other documents, exhibits and attachments; and (e) the specifications.
Part IV of the contract, entitled "Contract Clauses," contains FAR § 52.236-21, entitled "Specifications and Drawings For Construction." Subsection (a) of this clause indicates how discrepancies in the specifications and drawings are to be resolved by providing:
The Contractor shall keep on the work site a copy of the drawings and specifications and shall at all times give the Contracting Officer access thereto. Anything mentioned in the specifications and not shown on the drawings, or shown on the drawings and not mentioned in the specifications, shall be of like effect as if shown or mentioned in both. In case of difference between drawings and specifications, the specifications shall govern. In case of discrepancy in the figures, in the drawings, or in the specifications, the matter shall be promptly submitted to the Contracting Officer, who shall promptly make a determination in writing. Any adjustment by the Contractor without such a determination shall be at its own risk and expense. The Contracting Officer shall furnish from time to time such detailed drawings and other information as considered necessary, unless otherwise provided.
WTB's bid proposal was prepared by its employee, Udo Balzer. In calculating the price to be bid for the ceiling panels, Mr. Balzer compared Item 03.02.0503 of the "Cost and Quantities Breakdown" with the corresponding section of the "Master Specifications." He concluded that impregnated gypsum board panels were to be placed only in the wet rooms, and that the ceilings in the other rooms of the building were to be repaired by re-plastering and painting. He testified that his calculations were based exclusively on the schedule in the "Costs and Quantities Breakdown." To determine the square meter requirements for the panels, he referred to the drawings and included the quantity of ceiling lining that was needed for installing panels in the wet rooms only.
In preparing WTB's unit price bid for the ceiling work, Mr. Balzer recognized that paragraph 3.1.6 of the "Preface to the Specifications," providing for the installation of gypsum board panels on the ceilings of the living rooms, dining rooms, and bedroom areas, was inconsistent with Item 03.02.0503 of the "Master Specifications." Mr. Balzer was also aware that his interpretation of the specifications did not conform with the requirements of Drawing No. A5. However, neither Mr. Balzer nor any other representative of WTB made a pre-bid inquiry of the contracting officer regarding these inconsistent provisions of the contract. In explaining why he did not submit the question to the contracting officer for a written determination, Mr. Balzer testified that he did not consider that there was any disharmony in the specifications and drawings because there was no item in the "Costs and Quantities Breakdown" schedule calling for ceiling panels in any of the rooms except the wet rooms. Consequently, it was his interpretation of the contract that ceiling panels were required only in the wet rooms.
Approximately four weeks after the contract was awarded to WTB, the Army required WTB to install impregnated gypsum board on the ceilings of all rooms in the housing units. WTB complied with the Army's requirements and submitted a claim to the contracting officer for an equitable adjustment for the cost of installing ceiling lining in non-wet rooms.
Contract interpretation is a question of law that we review de novo. Reliance Ins. Co. v. United States, 931 F.2d 863, 865 (Fed. Cir. 1991). The board's decision is nevertheless accorded careful consideration because the interpretation of a contract by a tribunal having expertise is helpful even if not compelling. Fruin-Colnon Corp. v. United States, 912 F.2d 1426, 1429 (Fed. Cir. 1990); Fortec Constructors v. United States, 760 F.2d 1288, 1291 (Fed. Cir. 1985). When possible, a contract must be interpreted as a whole in a manner which gives reasonable meaning to all its parts and avoids conflict or surplusage of its provisions. Granite Constr. Co. v. United States, 962 F.2d 998, 1003 (Fed. Cir. 1992).
A. WTB contends that if the language of the contract is interpreted from the point of view of a reasonable contractor, WTB was required to install moisture-proof panels only in wet rooms and not required to install any ceiling lining in the remaining rooms of the housing units. We are persuaded that this is not a reasonable interpretation of the contract, and that the board properly interpreted the contract as requiring ceiling linings throughout the rooms of the housing units.
Paragraph 3.1.6 in the "Preface to the Specification" unequivocally requires that ceiling plaster in living, dining, bedroom and corridor areas is to be removed and replaced with gypsum board panels:
In living, dining and bedroom areas, as well as corridor areas, all wall and ceiling plaster incl. reed mats will be removed. Walls to be provided with machine-applied gypsum plaster MG-PIVa, ceilings with gypsum board panels.
Drawing No. A5 also specifies the particular rooms in which ceiling linings are to be installed. The table represented in Drawing No. A5 shows that ceiling linings are required to be installed in bathrooms, dining rooms, living rooms, bedrooms, halls, stairs, corridors and toilets.
WTB does not contest these requirements, but instead argues that Item 03.02.0503 of the "Master Specifications" would lead a reasonable contractor to interpret the contract as requiring ceiling linings only in wet rooms. Item 03.02.0503, however, does not limit the installation of ceiling linings to wet rooms only. It simply describes the exact type of impregnated gypsum board to be used in wet rooms and how it is to be installed.*fn1
WTB also asserts that the "Cost and Quantities Breakdown," supplied to offerors, albeit "for information only," would lead a reasonable contractor to interpret the contract as requiring ceiling linings only in wet rooms. WTB notes that the "Cost and Quantities Breakdown" tells offerors that it includes all work to be performed on the buildings, yet Item 03.02.0503, pertaining to wet rooms, is the only listed item for ceiling linings. WTB was not entitled to rely on the "Cost and Quantities Breakdown," however, because it was not a part of the contract and was provided to prospective offerors for information only.*fn2 Even if the "Cost and Quantities Breakdown" were part of the contract, it was unreasonable for WTB's representative to ignore the requirements of Paragraph 3.1.6 and Drawing No. A5 because the contract can be interpreted in a manner which gives reasonable meaning to all its parts and avoids conflict or surplusage of its provisions. See Granite Construction Co., 962 F.2d at 1003. Paragraph 3.1.6, Drawing No. A5, and Item 03.02.0503 can be read harmoniously to require ceiling linings installed in all rooms and impregnated lining in wet-rooms.
B. WTB also contends that if the contract can be interpreted to require ceiling lining in all the rooms, it is ambiguous. WTB urges, therefore, that the doctrine of contra proferentum should apply and the contract should be construed against the Army as drafter of the contract. Again, we cannot agree.
The doctrine of contra proferentum is not applicable where before bidding the contractor fails to seek clarification of a patent ambiguity of which it was aware or should have been aware. Fortec, 760 F.2d at 1291. A patent ambiguity gives rise to a duty of inquiry. Id. Moreover, in this case, the contract incorporated FAR sections 52.215-14 and 52.236-21 informing contractors to seek interpretations or determinations from the contracting officer regarding inconsistencies in the specifications or drawings.
The contractor clearly knew of the inconsistency or ambiguity in the instant contract. In preparing its bid, WTB's employee recognized that Paragraph 3.1.6 and Drawing A5 were inconsistent with his interpretation of Item 03.02.0503. Nonetheless, WTB did not make any pre-bid inquiry. Under WTB's reading of the pertinent contract clauses, any ambiguity that may be present must be viewed as a patent ambiguity. Construed as the Army argues, the clauses present no ambiguity.
The doctrine of contra proferentum also will not be applied where the contractor's interpretation of the contract is not reasonable. See Fort Vancouver Plywood Co. v. United States, 860 F.2d 409, 414 (Fed. Cir. 1988). As discussed, we are not persuaded that WTB's interpretation of Item 3.02.0503 to require ceiling panels only in wet rooms is reasonable in view of the other provisions of the contract clearly indicating that all rooms were to have ceiling panelling. Because WTB neither sought clarification of a patent ambiguity nor reasonably interpreted the pertinent provisions of the contract, the doctrine of contra proferentum is inapplicable.
We have considered WTB's other arguments and do not consider them persuasive. For the foregoing reasons, the decision of the board is affirmed.
We affirm.
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Music Journal - Practice app to log time and bpm
By David Charlton
Open iTunes to buy and download apps.
* Time your practice sessions * Track your progress * Built in metronome
Manage your practice routine with a tap, see at a glance which pieces you haven't practiced in a while, and automatically log practice time and BPM for each song.
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- Universal app — designed for iPhone, iPod Touch, and iPad
This app includes all features of the Pro version, but is limited to tracking 6 songs simultaneously (you can remove old songs to make room for more). If you enjoy Music Journal, please support development by upgrading to an unlimited number of songs with an in-app purchase. All your existing data will be preserved automatically!
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"This is a wonderful app that helps students keep track of their daily practice time. It helps them keep organized and begin a healthy practice routine that will help them improve on their instrument." -- TeacherCast.net
Let us know how you use Music Journal and suggestions for features you want:
Twitter: @axe_monkey
Email: email@example.com
What's New in Version 3.0.11
Fixing links to related apps
Customer Reviews
Can't do without it
If it wasn't for the journal I would never have a structured guitar time. Have all my exercises,being practice with a metronome or just flexibility exercises for my fingers,in front of me to remind not to forget to do them. Then all the songs I play divided into Classical or Acoustic guitar sections. Graph lets me know which ones I'm neglecting and I need to go back and spend more time on. Section on NOTES comes in useful to write down my own reminders or personal thoughts. Even it wasn't for the Journal I would be all over the place and not as serious as I try to be..I love it!
This is a great app
After two days of working with the free version -- all the features of the paid version, but limited to just a few pieces -- I upgraded to the paid version. This app is a tremendous help in keeping my practice time structured. The developer seems to have thought of everything, including easy transfer of data to a new phone (which I just did today) -- just tap the gear and it walks you through the steps.
Thank you for a wonderful app!
Helps me immensely
I can honestly say that using this app has made me a much better piano player. Because of it I am aware of how much time I am devoting to my warm ups or how many hours I've worked on a specific song. I never want to skip a day because I don't want to bring down my average on the graph!
My one request is that I would love to be able to have different sections for practicing other instruments!
- Free
- Category: Music
- Updated: Sep 11, 2013
- Version: 3.0.11
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Courses are academic classes taught by qualified instructors that are intended to enhance participant's knowledge of a given area or training in a particular discipline. Courses vary broadly in terms of length, size, content and duration.
An aviation English program provides students with the industry-specific vocabulary that they need to begin a career in the industry. Students may leave the program with a special set of language structures that are expected in future job prospects.
The Philippines, officially known as the Republic of the Philippines, is a sovereign state in Southeast Asia in the western Pacific Ocean. English is one of the official languages of the Philippines and is a mandatory subject in all schools.
Manila, the capital and the second largest city of the country, is thought to be the country's economic, political, social, and cultural center. On the other hand, city is a dwelling to the country top schools, higher education schools, universities and training centers. These institutions offer affordable education to learners.
Request Information Course Studies in Aviation English in Manila in Philippines 2017
You have several options to get pilot license, but you need to at least graduate from high school to be qualified. After high school, the path varies. Each path has pros and cons. AAA also supports you to select the best option for you. Please make an inquiry to us. [+]
Gain management and operational knowledge about efficient ground operations for airlines and ground service providers. [+]
Our OJT Programme design for Pilots who want to build up their experience and increase their Flight Time as a P-I-C to get start up in Charter Airline. [+]


text:
Hello Everyone,
Am a private lender and i render both personal and business loan ranging from the amount of $1,000 to $10,000,000 at minimum interest rate of 6% and there is also no prepayment penalty involved. You can be approved within 12 working hours. Below is my contact information.
Email: Show email
Phone: 707-341-9333
- 6 months ago 2016-06-22 13:18:56
- Jamestown, VA


text:
Inviting Targets
Prevalence of this vulnerability, Williams said, is "staggering." While a small number of sites protect against it, including Wikipedia and some blog software, a "vast amount of applications" are susceptible, Williams said"no doubt about it." CSRF has actually been boosted to OWASPs Top Ten list of most common and/or highest-risk Web application security flaws. CSRF, Williams said, is both common and of high risk, in spite of its low potential for success. Heres a description of what a CSRF can do, quoted from an FAQ on CGI Securitys site:Trend Micro introduces a security appliance to protect e-mail networks. Click here to read more. CSRF is often confused with the ubiquitous, well-known class of XSS (cross-site scripting) attack. They differ in that XSS relies on a victim to trust that the content displayed in a browser is legitimately being displayed by the site being viewed. Conversely, CSRF takes advantage of sites that trust the legitimacy of a request from a browser user. Regarding the wider world of Web browsers, there are vulnerable sites of substantial size. Heres an example of an attack on Digg. Heres another example of an attack on Amazon.com, and yet another example of an attack on Googles AdSense. The Amazon flaw has been open for over a year, according to Chris Shiflett, lead of the Web application security practice at OmniTI, in Columbia, Md. Shiflett discovered the Amazon CSRF flaw on March 15, 2006. Amazon verified the vulnerability and told Shiflett it was a "top priority," but a year later it was still open. Amazon.com, headquartered in Seattle, declined to comment on the matter, citing a policy against speaking about security concerns. Google, based in Mountain View, Calif., also declined to comment on the AdSense vulnerability. The idea of a CSRF against a UTM is "a bit of a niche attack," Hoffman said, given the low percentage of the population who have access to such devices. "I have to get the IT administrator at [a company] to visit a site, and oh, he has to have cached credentials in the form of cookies or log-in credentials for, say, a firewall or IDS [intrusion detection system] or routers. " In terms of the percentage of the population, those who have access, SPI has 150 people, and we have four or five folks who can potentially access [a given security device]. Thats less than 3 to 4 percent of the population whod have access." Plus, Hoffman said, an attacker would have to luck out and strike when an IT administrator happened to be logged in to the Web browser of the target UTM device. The chances are low that an attacker would stumble upon many such situations, but the risk to an organization if the attacker did so would be very high, Hoffman said. Click here to read about how security appliances are supposed to support regulatory compliance. The spokesperson of one of the vendors of potentially vulnerable UTM devices pointed out its not as if these devices have IP addresses that are broadcast publicly. Many are internal, nonroutable IP addresses. With such devices, an attack would have to be based on guesswork. Still, its not as if the number of IP addresses were infinite, said Scott Parcel, vice president of engineering and chief technology officer at Cenzic, in Santa Clara, Calif. "Its a numbers game with these kinds of attack," he said. "If you lure a million people to do something, some percent will do what you want them to do, and a smaller percent will [be on a vulnerable system]," he said. And then there are default passwords. And last but not least, an attack could come from a disgruntled employee or an ex-employee who knows a devices IP address. "The idea of treating the addresses of these [UTM devices] as being a secret, as a protectionthat doesnt sound like the level of protection Id like to see," Parcel said.
Check out eWEEK.coms Security Center for the latest security news, reviews and analysis. And for insights on security coverage around the Web, take a look at eWEEKs Security Watch blog.
"Most of the functionality allowed by the website can be performed by an attacker utilizing CSRF. This could include posting content to a message board, subscribing to an online newsletter, performing stock trades, using a shopping cart, or even sending an e-card. CSRF can also be used as a vector to exploit existing Cross-site Scripting flaws in a given application. For example imagine an XSS issue on an online forum or blog, where an attacker could force the user through CSRF to post a copy of the next big website worm. An attacker could also utilize CSRF to relay an attack against a site of their choosing, as well as perform a Denial Of Service attack in the right circumstances."
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text:
Beck Arnley 043-1074 Fuel Filter
- Brand New 1 Left
- Item is brand new Original sealed packaging
List Price $27.00
Please note: BLINQ sells products in multiple conditions (new, open box, refurbished, etc). Not all reviews are reflective of the condition that you may purchase.
No reviews found
- Features
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Investors still interested in adding defensive names to portfolios should consider Family Dollar (NYSE:FDO) which combines a reasonable valuation and easy to meet expectations with catalysts likely to drive accelerating earnings growth over the next 18 months. After 3 years of margin declines, Family Dollar is beginning to see margin stabilization as the company fully laps the increase in consumable SKUs and resulting sales mix shift which negatively impacted gross margins. Margins will also benefit from initiatives to control shrink, improved inventory sourcing, increase private label penetration and efforts to control costs. Street expectations for low single-digit SSS growth and no margin expansion leave room for upward revisions as margin growth materializes.
Dollar Stores' Value Proposition
The value proposition the dollar channel has historically offered is very unique - the price point on a per unit basis is typically higher than at a discount store like Wal-Mart (NYSE:WMT) but the dollar stores bundle together fewer units or sell a smaller package size so the consumer's cash outlay is less than it would be buying the bigger package size or more units at a discount store. This value proposition caters to the consumer who does not have a credit card and lives paycheck to paycheck. Since the credit bubble burst in 2008 the dollar channel, and Family Dollar in particular, has benefited as increasing portion of the population operates on limited incomes and little or no available revolving consumer credit. The dollar channel was able to capture consumers who previously were either aspirational consumers, shopped in the larger basket grocery channel or the Wal-Mart/club channel. Family Dollar has made efforts to improve the shopping experience in stores through changing layouts, increasing hours, modifying staffing plans and changing the assortment in an attempt to hold on to these trade down customers as the economy improves.
In addition to catering to the trade down customer, Family Dollar also maintained relevance with its core customer by expanding the acceptance of governmental assistance programs, added consumables to compete for fill-in grocery trips and increased private label offerings within the stores. With governmental spending on social welfare programs like food stamps at or near all-time highs, Family Dollar's strength with its core customers has been a key driver of growth.
While the economy has shown some signs of a recovery (though it is debatable if the recovery has reached the core dollar channel customer) Family Dollar has been able to maintain many of the trade down customers it began capturing in 2008. Additionally, in an economic recovery, Family Dollar should see a margin benefit as their core customer is able to increase discretionary spending in higher margin categories.
Margin Stabilization
Family Dollar's expansion into consumables (increasing from 65% of sales in FY10 to 73% in the most recent quarter) has been the major driver of margin compression driving Gross Margins from 35.7% in FY10 to 34.0% in the most recent 12 months. Increases in shrink (theft) and merchandise markdowns from poor merchandise purchasing and inventory management have also been drags on Gross Margin. While Family Dollar has been able to leverage SG&A to offset some of the compression, Operating Margins have still declined from a near-term peak of 7.5% in FY11 to 6.5% today.
Family Dollar appears on the precipice of a turning point in margins as a number of different drivers are likely to contribute to margin stabilization and expansion over the coming year. Pressure from increasing their consumable mix is ending, the company has instituted new measures to combat shrink, global sourcing initiatives and private label expansion are showing tangible benefits, new stores in California will add scale and the comp leverage point for SG&A has been improving from the historical rang of 3% - 4% to the lower end (or even below 3% in the most recent quarter) of the range.
Increasing consumable assortments has been a boon for both Family Dollar and Dollar General's (NYSE:DG) traffic and same store sales but the consumables category is significantly lower margin than other categories for both companies. Family Dollar has now lapped the introduction of consumables (as evidenced by their conference call and presentation commentary and slowing inventory per store growth) and should see the mix shift towards consumables, and the resulting margin erosion slow dramatically.
The expansion into tobacco in particular has hurt gross margins. Family Dollar is now lapping the introduction of tobacco and both Family Dollar and Dollar General have gone to great lengths to explain that while tobacco is low margin, money spent on tobacco in the dollar channel is not taking away from other purchases in the dollar channel, instead it is a shift from tobacco purchases in other channels (primarily convenience) into the dollar channel. On their most recent conference call, Family Dollar put some numbers around tobacco stating that 60% of transactions involving tobacco also have other items in the basket at company margins. While the introduction of tobacco certainly impacted gross margins negatively, it appears it has been positive for gross margin dollars.
In addition to the consumable mix shift, increasing shrink has negatively impacted Family Dollar's gross margin. Historically a majority of shrink has been out the back door not the front - meaning employees are responsible for a majority of theft. Family Dollar has begun to get more proactive limiting shrink primarily in three ways. First by changing inventory tagging programs to make store managers more accountable for shrink. Second by improving camera systems in stores. And third, by stabilizing workforce turnover. Additionally, the slowing of inventory growth should also slow down the rate of growth of shrink.
Over the last 4+ years Family Dollar has invested in building global infrastructure to source an increasing percentage of the products directly. The investment in its global sourcing network is a long-term investment and should provide a small margin tailwind over a long period of time rather than a one-time step up. Family Dollar has also been negotiating with major national brands in categories where consumers have low brand loyalty (batteries is one example) to have a single supplier and receive a discount in return improving their inventory markups. In Batteries for example, Family Dollar managed to improve merchandise markups in the category by 1,000 basis points by using Duracell, a Procter & Gamble (NYSE:PG) brand, as their exclusive national battery brand. Private label expansion, particularly in consumables will also help expand gross margins.
California has long been an opportunity for Family Dollar but until recently, managing the labor requirements in the state, the cost of real estate and distance had precluded the company from opening stores in the state. While still in the early innings of growth in California (just 9 stores in the LA area and just 2 in the San Francisco/Oakland area compared to 30+ in a mature market like Atlanta) margins should improve as they open more stores in close proximity to each other and gain distribution synergies. More specifically, until the 11th distribution center was opened in St. George, UT (less than 400 miles from LA) Family Dollar's California stores were being supplied by trucks leaving a distribution center in Odessa, TX (more than 1,000 miles from LA). I would expect store openings in California to accelerate now that supplying the market is easier and cheaper.
Finally, recently Family Dollar has shown that they are able to leverage SG&A at a lower comp than the 3% - 4% SSS growth they previously needed to leverage expenses. This is despite the fact the company now classifies income earned on non-merchandise transactions (primarily fees on cash back and debit card transactions) below the operating income line when they previously had been used to offset SG&A expenses.
Underperforming Relative to Dollar General
Dollar General and Family Dollar both have very similar business models, geographic reach, inventory assortment and customer demographics but there remains a significant gap in sales productivity (measured on a per selling square foot basis). Part of the reason for the gap is that Dollar General, since it was taken private as an LBO and levered up significantly, was forced to move ahead with a number of key sales driving initiatives. Dollar General was first to extend store hours, raise shelf heights and expand into some consumable categories and Family Dollar has since followed Dollar General's lead (while also introducing some original sales growth initiatives).
The gap in sales productivity explains a significant portion of the 330 basis point difference in adjusted operating margins between the two companies. If Family Dollar is able to close just ½ of the sales productivity gap margins could expand by more than 100bps and EPS could be boosted by more than $1.
Management Changes
While Howard Levine has done an admirable job of guiding FDO from a 3,000 door chain when he took over for his father in 1998 to the nearly 8,000 store behemoth it is today, the hiring of Mike Bloom in September 2011 as President and COO helped usher in a new era for the company. Bloom has overhauled management since being hired by bringing in Mary Winston as CFO (April 2012), Jocelyn Wong as SVP of Marketing (October 2012) and most recently Jason Reiser as SVP of Merchandising (July 2013).
Since being hired, Bloom has taken an increasingly active role as a second face of the company. Over the last two years, Family Dollar has increased the rate of store openings and renovations, added 1,000 SKUs (mostly consumables) and launched an aggressive fee development program allowing FDO to use its strong balance sheet to pay for the development of new stores. Bloom recently has also taken over as acting chief merchant.
Bloom's comments have also made clear that Family Dollar's management focus has evolved. Management is now increasingly focused on controlling expenses, improving inventory productivity, stabilizing gross margins (through private label expansion and negotiations with national brands) and capitalizing on operational efficiencies.
It has also become increasingly clear that Levine does not envision himself in the CEO role forever. In the last 3 years, Levine has also begun bringing up the idea of succession planning. On the most recent conference call Levine stated, "What I'm really looking for is to start looking at succession. One of the things that I think myself and our board particularly looks at is making sure that we have a good bench." If Levine is ready to step back from the company, it could put the company in play either as an LBO target (a standstill with Trian expired in July) or as a strategic target for Dollar General or Wal-Mart. Dollar General would benefit from their ability to eliminate some store overlap and the ability to leverage distribution and purchasing. Wal-Mart could enter into the fill-in trip category and increase their percentage of consumer wallet share.
Cash Flow and Store Growth
Family Dollar and the dollar channel in general has shown an ability to grow square footage 5% - 7% per year with double digit returns on new stores. Recently, Family Dollar has become more aggressive by financing the construction of new stores with its own balance sheet. The Fee Development Program allows Family Dollar to use its balance sheet to fund construction of new stores and pay developers a fee to build out new stores. Family Dollar owns the stores through construction and the company does not have to directly or indirectly pay the high interest rates associated with construction loans. FDO then (typically bi-annually) will sell the stores in a sale-leaseback recouping a significant portion of the cash expended on construction and often generating a gain which is then amortized over the 15-year life of the leases.
Family Dollar's decision to move to a Fee Development model for many of their new stores has made free cash flow generation look very poor on the traditional metric for measuring free cash flow (cash from operations - capital expenditures). By the traditional metric for free cash flow, Family Dollar has burned $370mm in cash. The poor cash generation has been driven primarily by a significant increase in capital expenditures and an increase in inventories (related to the consumable expansion) and. Adjusting free cash flow for the sale-leasebacks that FDO has executed, free cash flow looks significantly better down only $25mm - more than fully accounted for by the increase in consumable inventories.
Next year adjusted free cash flow is poised to expand as Family Dollar has fully lapped the consumable inventory expansion potentially opening the door for a significantly larger buyback or dividend increase while retaining the ability to grow square footage in the mid-single digit range.
Family Dollar trades at 17x forward EPS, a premium to its historical average and a slight premium to both Dollar General and the S&P 500. Current estimates assume moderate low single-digit SSS growth, no margin expansion, no benefit from further buybacks and fail to take into account gains from sale leaseback transactions driving some earnings growth.
While it is difficult to argue that 17x forward earnings is cheap when some big cap blue chip tech stocks trade for less than 12x ex-cash, in the context of other defensive names (PG at 18x and KO, PEP and KRFT at 17x) Family Dollar's valuation appears inline. Family Dollar's valuation looks even more compelling relative to other defensive stocks once one considers the company specific margin opportunities which could drive earnings growth well ahead of many other defensive stocks. Family Dollar shareholders could also benefit from M&A. Street LBO models suggest that a private equity buyer could play anywhere from $80 - $100 for Family Dollar and Dollar General could likely pay a similar price.
Family Dollar is a very good option for adding defensive exposure to an equity portfolio. Like most defensive stocks, Family Dollar is likely to underperform if the market moves up sharply in the near term but company specific factors make it one of the most compelling defensive ideas and a stock that should be able to keep up with cyclical stocks even in a gradually improving economy.
The potential for margin growth and a closing of the sales gap with Dollar General should help Family Dollar drive accelerating earnings growth and estimate increases over the next 18 months. Additionally, the opportunity exists for significant near-term upside if a long speculated LBO or strategic transaction occurs.
Risks to owning Family Dollar stock include (but are not limited to):
- Slowing SSS growth
- Consumer trade-up out of the dollar channel negatively impacting consumer traffic
- Continued growth of low-margin consumables driving mix shift toward lower margin categories
- Closing of credit markets which would impact Family Dollar's ability to finance new stores and execute sale leaseback transactions
- An unwillingness by management to seek or execute a sale of the company
Disclosure: I am long FDO. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.


text:
THIS IS A DIRECTORY PAGE. Britannica does not currently have an article on this topic.
Learn about this topic in these articles:
discussed in biography
early English poet and author of Handlyng Synne, a confessional manual, and of the chronicle Story of England. The works are preserved independently in several manuscripts, none of certain provenance.


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This house is an interesting opportunity in Kata Beach. You have no direct neighbor's but you can use the pool from a hotel and from your balcony you have a fantastic view in the jungle. The house is partly furnished. You have two furnished bedrooms and a living room. The third room is empty and ideal for an office room. The kitchen offers a lot of space for furniture. Further there are two 2 bathrooms.
A car or motorbike is recommended. The owner prefers long term rent.
Please note:
Most offered homes are from private owners and now free.
Bookings over 1 month in advance cannot be considered.
For example:
You can book this offer now or for the next month (for 1 month, 2 months, 1 year and so on).
But you cannot book it now (like August) for into 3 or 4 months (like December or January) in the future.
Thank you for your comprehension.


text:
Thread: Problem with IMAP. (cPanel)
04-13-2011, 02:46 PM #1Newbie
- Join Date
- Apr 2011
- Posts
- 28
Problem with IMAP. (cPanel)
Hi all,
I've found an error with IMAP. when i try to configure mail client with Outlook per exemple the outgoing mail does'nt work with this error code " Outgoing Mail ; Outlook Can't connect to the server (SMTP) Please contact administrator.
Ingoing mail work.
If I try (Auto-Configure Microsoft Outlook® for IMAP Access) does'nt work too.
My configuration under WHM are:
Dovecot with default setting.
Thank you in advance.
04-13-2011, 04:37 PM #2Web Hosting Master
- Join Date
- Feb 2004
- Location
- Toronto, ON, Canada
- Posts
- 1,443
Your ISP is blocking port 25.
Enable port 26 on your server then change the outgoing port to 26 on your email client.█VimHost█ Providing Web Hosting since 2003: 13 Years of Dedication to our customers ~ Premium Hosting in Canada
Email Hosting | RTMP Hosting | FFMPEG Hosting
04-13-2011, 04:43 PM #3Junior Guru Wannabe
- Join Date
- Nov 2010
- Posts
- 87
Most likely ISP is filtering 25. Activate SMTP clone on port 26 and then make the modifications in Outlook.
04-13-2011, 04:59 PM #4Newbie
- Join Date
- Apr 2011
- Posts
- 28
Thanks, it work now.
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text:
It is a great honour to have been re-elected as the Member of Parliament for Mid Sussex.
I am truly grateful for the support of my constituents and I look forward to a busy Parliament with some interesting and difficult issues. The Government are already well on the way to delivering their manifesto.
You can always get hold of me to make an appointment to see me at one of my regular advice surgeries in Burgess Hill, East Grinstead or Haywards Heath and if that does not suit, I am happy to meet in my constituency office in Haywards Heath.
My office at the House of Commons receives a very substantial constituency correspondence which certainly keeps me closely in touch with local issues and opinions.
I hope this website gives you some idea of my work in Parliament and provides you with some useful links.
Sir Nicholas Soames
Letter from the Transport Secretary about the Govia Thameslink Railway services this week.
Written Ministerial Statement from the Secretary of State for Transport.
more news...
Sir Nicholas Soames leads a Westminster Hall debate on the 'Funding of West Sussex Schools'.
Sir Nicholas speaks in support of biodiversity and conservation of the UK's beautiful upland moorlands maintained and protected by well-managed grouse shooting.
more work...
Tweets by @nsoamesmp
10 Downing Street
Mid Sussex Conservatives
Balanced Migration
Ashurst Wood, Bolney, Burgess Hill Dunstall, Burgess Hill Franklands, Burgess Hill Leylands, Burgess Hill Meeds, Burgess Hill St Andrews, Burgess Hill Victoria, Cuckfield, East Grinstead Ashplats, East Grinstead Baldwins, East Grinstead Herontye, East Grinstead Imberhorne, East Grinstead Town, Haywards Heath Ashenground, Haywards Heath Bentswood, Haywards Heath Franklands, Haywards Heath Heath, Haywards Heath Lucastes, High Weald, Lindfield.
Copyright © 2016. All rights reserved. Parliamentary copyright images are reproduced with the permission of Parliament. Video excerpts and still images from the Chamber of the House of Commons courtesy of Parliamentlive.tv.


text:
Butch Wallace
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- "Good work, Carter."
- ―Butch Wallace
Butch Wallace was an agent of the Strategic Scientific Reserve and Peggy Carter's co-worker.
SSR Agent
- "Come on Butch, be a pal?"
"Sorry Krzeminski, I got plans."
- ―Ray Krzeminski and Butch Wallace
Agents Butch Wallace and Yauch refused the request of Ray Krzeminski when he wanted someone to switch shifts with him; Krzeminski wanted to see a show and he was assigned to work night shift.[1]
Wallace shook Peggy Carter's hand and congratulated her when she entered the New York Bell Company Office after saving New York City from Johann Fennhoff's Campaign. He was a witness to when Jack Thompson took credit for the deed before Senator Walt Cooper.[2]
- Strategic Scientific Reserve
- Roger Dooley † - Boss
- Jack Thompson - Colleague
- Daniel Sousa - Colleague
- Peggy Carter - Colleague
- Ray Krzeminski † - Colleague
- Walt Cooper


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Untold Stories of Video Game Remasters – the Good, Bad, and Ugly
In today's video, we discuss something subjective – are video game remasters good or bad? And...
Earlier today we reported that some of the PlayStation Plus games for February had been revealed. Now we know not only what is coming to PlayStation 4, but also PlayStation 3, and Vita.
In the trailer that you can see above and confirmed by PlayStation, the games revealed for PlayStation Plus are revealed as:
While these titles are interesting, it is fair to say that PlayStation 3 are getting the better deal with the PlayStation 4 release. If you are a fan of top-down shooters though Helldivers will obviously be of interest. It does lack the punch of a Triple-A release though which this round of PlayStation Plus games is lacking.
To make room for these new games, be aware that the following games will be saying a goodbye to the PlayStation Plus service:
To make sure you still have access to these games, simply download them. This should make sure that you have them in your library. Be sure to download them before February 1, after that they will no longer be available. After this you'll have the new games to play though, if any of them are to your taste.
Are any of the games coming in February to PlayStation Plus interesting to you? Let us know your thoughts in the comments section below.


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recklessgentleman asked:
Hi, What colour ties are suitable and not suitable to wear to a job interview. I've got a navy suit but am unsure if there are any tie colours/patterns I should steer clear of.
i would recommend not wearing anything too flashy or crazy. probably steer clear from anything red or loud. i would keep it neutral and safe by wearing whites, grays and blues. good luck!


text:
William Hollingsworth
- 2 new full-time Cambria firefighters to be sworn insanluisobispo.com
- Rain brings temporary relief … and termitessanluisobispo.comNorth Coast
- Visitor safety session planned in Cambria, featuring new info cardssanluisobispo.com
- Elias Armstrongnodawaynews.com
- High Risk Missing Child: William HollingsworthWBNS-10TV
Frequent names
Newstral's extraction of names of people and organisations from the world's news is completely automated. If you do not want your name to appear here, please contact us. We will be happy to look at your request.


text:
Davis will be closed for the holidays starting at 12:00 pm on Friday, December 23rd, through 8:30 am on Tuesday, January 3rd.
In addition, Davis will be conducting inventory from Tuesday, January 3rd, until the second week in January. During this time, you may place your orders, but they cannot be processed or shipped until our inventory and year-end close is complete. Processing and shipping of orders should resume during the second week of January. Thank you for your patience and understanding.
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Lanacane Anti-Chafing Gel Reviews
- Other Feminine Care Products:
- Average: 4.2
- High: 5.0
- Brand:
- Lanacane
Read 1 Review
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Reviewed by 1 customer
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Comments about Lanacane Anti-Chafing Gel:
I recieved a sample of Lanacane in the mail, but I didn't get to use it because I gave it to my mom. She used the sample, then immediately went to the store and bought some. When I got to school, I started wearing skirts more often, and the chafing hurt horribly. So, remembering my mom's experience, I went to the store and bought some, and I'm glad I did.
This product is a gel that you rub on chafed areas to help soothe them and prevent more chafing. Lanacane is great at soothing chafed skin- in fact, if it only soothed chafing, I think it'd still be worth it. The gel then works to prevent more chafing by allowing skin to glide instead of rubbing together. The gel dries quickly (so quickly in fact that I wasn't sure I'd put it on at first) and there's no sticky residue. And of course, since it's a gel and not a powder, it doesn't leave a mess all over the floor when you put it on.
My only problem with Lanacane is that I don't feel like it lasts long enough. I'd put it on in the morning, then have to reapply it after a few hours. Despite this, the relief it provides is worth having to reapply.
- Affiliation:
- I received a sample