text:
Independent Bank Corporation (NASDAQ:IBCP)
Q2 2014 Earnings Conference Call
July 28, 2014 11:00 a.m. ET
Brad Kessel – President and Chief Executive Officer
Robert Shuster – Executive Vice President and Chief Financial Officer
Rick D'Auteuil – Columbia Management
Damon DelMonte – Keefe, Bruyette & Woods
Good morning and welcome to the Independent Bank Corporation Second Quarter Earnings Conference Call. All participants will be in listen-only mode. (Operator Instructions) Please note this event is being recorded.
I would now like to turn the conference over to Brad Kessel, President and CEO. Please go ahead, sir.
Brad Kessel
Good morning. Thank you for joining Independent Bank Corporation's conference call and webcast to discuss the company's financial results for the second quarter of 2014. I am Brad Kessel, President and CEO of Independent Bank and joining me is Rob Shuster, Executive Vice President and Chief Financial Officer.
Before we begin today's call, it is my responsibility to direct you to the cautionary note regarding forward-looking statements. This is Slide 2 in our presentation. If anyone does not already have a copy of the press release issued by Independent today, you can access it at the company's website. We will begin today's call with our prepared remarks and then open the call up to questions.
Beginning with the financial summary slide, Page 4, we are pleased to report for the second quarter of 2014 net income of $6.1 million or $0.26 per diluted share. On an income before tax basis, we are reporting $7.9 million as compared to $6.9 million for the same quarter last year. This represents a $1 million or 14.5% year-over-year increase. For the six months ended June 30, the company is reporting net income applicable to common stock of $9.2 million or $0.39 per diluted share, compared to $66.9 million or $2.90 per diluted share in the prior year period.
Recall the second quarter and year-to-date results -- 2013 results, included income tax benefit of $57.6 million associated with the reversal of substantially all of the company's deferred tax asset valuation allowance in June of 2013.
Turning to the financial highlights slide, Page 5, we remain optimistic about the company's prospects for long term earnings growth. This past year we saw net interest income up slightly on a linked-quarter basis. Non-interest expenses also on a quarterly basis have been reduced by $5.2 million or 18.7% as compared to the same quarter one year ago.
Our balance sheet continues to be strong, with net loan growth for the quarter. Our growth is being driven by commercial loan growth of $12.2 million or 7.6% annualized and consumer installment loan growth of $12.9 million or 27.4% annualized. Our tangible common equity ratio increased to 10.68% and our tangible book value per share increased to $10.47. On July 22, 2014 our Board of Directors declared a $0.06 per dividend payable on August 15 to shareholders of record as of August 5.
Our footprint shown on the core banking market slide Page 6, includes significant market presence and opportunity to gain market share in attractive Michigan markets. For the second quarter of 2014, Michigan market conditions continued to improve as compared to the same period one year ago, evidenced by a reduced unemployment rate, net job growth and appreciation in real estate values, both residential and commercial. Commercial vacancy rates continue to improve for industrial, retail and office space.
Moving to the deposit franchise slide, Page 7, we continue to emphasize growth in our core deposit base. We have $1.9 billion in total deposits as of June 30 2014, up $92 million or 5.1% since June 30, 2013. $1.5 billion or 79% of our $1.9 billion in deposits are transaction accounts. For the second quarter of 2014, our cost of deposits was 26 basis points, down 2 basis points for the quarter. Consistent with industry trends, we are seeing increased transaction volumes through our electronic channels, and decreased foot traffic in our branches. Accordingly, we continue to review our staffing models, and branch profitability model. We continue to invest in our associates to position them as trusted financial advisors inside and outside the branch and we continue to invest in the self-service channels as that is what many of our clients and prospective clients are now demanding.
Our loan composition in historical yield on the loan portfolio is shown on Slide 8. Total portfolio loans accrued to $1.4 billion as of June 30, 2014. For the second quarter, in addition to the commercial and consumer portfolio growth, we originated $65.4 million of residential mortgages, and saw $47 million in mortgages generating $1.5 million in net gains. The 8 basis point decline in yield from the first quarter to the second quarter was evidence of the continued low rate environment and competitive pricing for loans that we see in our markets. Our associates continue to execute on our strategies to grow our loan portfolios, targeting the commercial small business and consumer markets. We also continue to be well-positioned in our markets, with a very experienced team of residential mortgage originators to support in-market purchase mortgage needs of salable and non-salable products.
As you can see on the overview slide Page 9, we outline what we believed to be the keys in executing to improve our efficiency ratio and grow earnings. While there does exist improvement opportunity on the cost side, a majority of the improvement now needs to come from revenue growth, and while our balance sheet is set up very defensively for realizing interest rates, our revenue growth strategies continue to be led by our commercial line of business. For the first half of the year, we had new commercial commitments of $94 million with $73 million in funded new loans. Of this new business, C&I lending accounted for the largest portion of $55 million. In terms of where the growth is taking place, we have very good balance between our East Michigan and our West Michigan regions, followed by our central region. The quality of our portfolio continues to improve and is now very strong with watch credits under 10%, early stage delinquencies at $0.7 million or 11 basis points and commercial non-accruals at $5.1 million or 78 basis points. Our commercial pipeline is solid and we feel good about achieving our targeted growth rate.
Our retail banking business continues to gather momentum. This past quarter, we saw across the board improvement in branch network originations, and very strong originations by our indirect lending group. The indirect group is very seasoned and has been with the bank for some time. This past quarter, the group generated $18.5 million in new bookings, principally a combination of recreational vehicle and marine lending. Our mortgage business for the first six months of 2014 was challenging as this unit worked through an extremely difficult winter, generally higher interest rates compared to the first half of last year, competitive pressures and a significant number of new regulations. That said, we expect improvement in this position having increased the number of originators, the addition of two new loan production offices, an increase in demand for construction loans, and finally having received approval for [JMA] securitization. This will assist in an improved net margin on a portion of our loan sales while allowing us to retain the servicing for this customer base.
Finally, as mentioned, we continue to work on reducing our expenses. For delivery channel optimization efforts, this includes investment in new technologies, further branch rationalization and work flow process improvement enterprise-wide.
I would now like to turn the presentation over to Rob Shuster to share a few comments and our financials, credit quality and management outlook. Rob.
Robert Shuster
Thanks, Brad and good morning everyone. I am starting at page 10 of our presentation.
Our net interest income totaled $18.5 million during the second quarter of 2014, a decrease of $1 million from the year ago period, but an increase of $0.1 million on a linked quarter basis. Our net interest margin was 3.74% during the second quarter of 2014 compared to 4.16% in the year ago period and 3.79% in the first quarter of 2014. The year over year decrease from the net interest margin primarily reflects the change in asset mix as higher yielding loans decreased and lower yielding investment securities increased. The linked quarter increase in net interest income is primarily due to growth in average interest earning asset, including loans. Average interest earning assets were $2.01 billion in the second quarter of 2014 compared to $1.9 billion in the year ago quarter and $1.99 billion in the first quarter of 2014. We will comment more specifically on our outlook for net interest income for the remainder of 2014 later in this presentation.
Moving on to page 11, noninterest income totaled $10.1 million in the second quarter of 2014 as compared to $13 million in the year ago quarter and $9 million in the first quarter of 2014. The most significant change was the $1.7 million year-over-year quarterly decline in gains on mortgage loans. In addition, mortgage loans servicing was $1.5 million lower as the second quarter of 2014 included a $0.2 million impairment charge on capitalized mortgage servicing rates compared to a $1.7 million recovery in the year ago quarter. However, overall total noninterest income in the second quarter was within our expected range albeit at the lower end. As we previously reported, we did sign a new debit card brand agreement in January of 2014. We expect this to add about $1 million of net interchange revenues annually and we substantially completed the conversion of our debit card base in June and July.
As detailed on Page 12, our noninterest expense declined $22.6 million in the second quarter of 2014 as compared to $27.7 million in the year ago quarter. Many expense categories were lower in 2014, primarily reflecting our cost reduction initiatives. In particular, year-over-year quarterly credit related expenses declined by $4 million.
Investments securities available for sale increased by approximately $56 million since the beginning of 2014, reflecting in part funds provided from the year-to-date increase in deposits. However, during the second quarter of 2014 investment securities available for sale declined by $5 million due primarily to the combination of loan growth and the seasonal decline in total deposits during the second quarter.
Page 13 provides an overview of our investments at June 30, 2014. 50% of the portfolio was variable rate and much of the fixed rate portion of the portfolio is in maturities of five years or less. The estimated average duration of the portfolio is about two years.
Page 14 provides data on nonperforming loans, other real estate nonperforming assets and early stage delinquencies. We continue to make progress on improving asset quality. Nonperforming loans declined by $3.5 million or 17% during the second quarter of 2014. ORE was relatively unchanged at $18.1 million as of June 30, 2014. However, subsequent to quarter end, in July 2014 we sold our single largest ORE property which had a book balance of about $5.5 million for nearly one third of our total ORE balance. We recorded a gain on this sale of $405,000 in July of 2014. In addition total 30 day to 89 day delinquencies declined to $9.9 million or 0.7% of portfolio loans at June 30 which is the lowest level in several years.
Moving on to Page 15, we recorded a credit provision for loan losses of $1.8 million in the second quarter of 2014 compared to a credit provision of $2.1 million in the year ago quarter. Loan net charge-offs declined to $0.4 million in the second quarter of 2014 or 0.12% annualized of averaged portfolio loans. And were $1.9 million or 0.54% of average portfolio loans in the year ago quarter. Other credit related costs such as loan and collection and net gain or loss on ORE were significantly better in the second quarter of 2014 as compared to the year ago quarter. Finally the allowance for loan losses totaled $28.2 million or 2.05% of portfolio loans at June 30.
Page 16 provides some additional asset quality data, including information on new loan defaults and unclassified assets which declined by approximately $3 million in the second quarter of 2014. Page 17 provides information on our TDR portfolio that totaled $118.4 million at June 30, 2014, a decline of about 9.5% on an annualized basis since the end of 2013. Specific reserves allocated to the TDR portfolio were $13.1 million or about 11.1% of the total balances at June 30. Importantly, nearly 89% of the TDR portfolio was current as of June 30.
Finally on Page 18 we provide some details on our outlook for the remainder of 2014. In January 2014 we outlined our expectation for low single digit overall loan growth during the year. Second quarter 2014 actual results were somewhat better than our expectations. As we outlined in our April 2014 call, we expected a seasonal pickup in consumer lending volume and continued growth in commercial lending, thus leading to our forecast of low single digit overall loan growth by the end of the year. Both of these occurred leading to growth in net total portfolio loans of $17 million or 5% annualized in the second quarter of '14 and we are now up about $3 million since the end of 2013.
We indicated in our April 2014 Earnings Conference Call that we were optimistic that we could hold net interest income steady, or increase it from the first quarter of 2014. This in fact did occur in the second quarter. We also believe that the extended period of net interest margin compression caused by near zero borrowing short term interest rates is likely nearing an end. We continue to expect generally steady improvement in asset quality during the remainder of 2014. The performance of the TDR portfolio, though we have a significant amount of allocated specific reserves, as well as loan net charge-offs, loan default volumes and our watch credit levels, will be the primary factors impacting our 2014 provision levels for the last half of the year.
Moving on to non-interest income, we anticipate for the last half of 2014 that total quarterly levels will remain between $10 million to $11 million. In January 2014, we forecast non-interest expenses to be in a range of $22.5 million to $23.5 million per quarter during the year. Actual second quarter 2014 non-interest expenses of $22.6 million were just above the low end of the range. We continue to expect non-interest expenses to be at or near the low end of the aforementioned range for the last half of 2014.
Finally, we expect income taxes to equal 31% to 32% of pretax income during the last half of 2014, with the primary permanent differences being interest income on tax exempt securities and earnings on our bank owned life insurance. As mentioned in our earnings release, we did record $0.7 million of income tax credits in the second quarter of '14, which reduced our effective tax rate below that expected range.
That concludes my prepared remarks, and I would now like to turn the call back over to Brad.
Brad Kessel
Very good. Thank you, Rob. As we look ahead, we'll continue to execute on strategies and initiatives to improve earnings, and increase long-term shareholder total return. Our focus areas continue to be on organic growth, increasing revenue through retaining and cross selling, existing customers and acquiring new customers, controlling costs, utilizing enterprise-wide risk management best practices, retaining, developing and attracting an engaged workforce, and providing our customers legendary and exceptional service.
At this point in time, we'd now like to open it up for questions.
Question and Answer Session
(Operator Instructions) We have a question from Rick D'Auteuil from Columbia Management. Please go ahead.
Rick D'Auteuil – Columbia Management
Just -- so one thing we had talked about when you visited and I think as you did the offering last year were some thoughts and targets on efficiency ratio. Can you talk about your progress toward your targets and -- without the non-interest expense coming down in a more material way, I'd like to hear your thoughts on your expectation to achieve those targets.
Robert Shuster
We are at about 78%, maybe just below in the second quarter and – so that's moving I guess in the right direction. Longer term, we want to move it towards 75% as we move through the balance of this year with our long term goal of moving it towards the 65% level. I think as Brad referenced in his comments, we do feel we need a little bit more balance coming from the revenue side and I think there's a couple of things there. The primary driver there would be loan growth in starting to build our net interest income. Certainly if we had a bump up in interest rates, that could accelerate that progress. The loan growth piece, given our outlook for low single digit loan growth, is likely to take a little bit more time without the bump in interest rates. We do feel there's a couple of categories in the noninterest income, mainly gains on loan sales and interchange where we could get some modest increases.
And in addition we did have, not that it's a huge number, but a $0.2 million of impairment charges on mortgage servicing rights and we feel a more I guess normalized number for that would be $500,000 to $600,000 of positive income per quarter. So we can get some boost there. And then we think longer term there's still progress to be made on the expense side. But we feel to get to the 65% long term goal from where we are at today, more of it is going to have to come through the revenue side. We went from $3.5 billion in assets some time ago to $2.2 billion. Some of that was due to the branch sale that we had at the end of 2012, but a lot of it was due to the deleveraging of the balance sheet. We do we feel we have the infrastructure to support a larger balance sheet certainly the capital as well and that's what our longer term targets are.
Rick D'Auteuil – Columbia Management
So you don't have -- I guess you are saying short term expect the noninterest expense to be slightly below the $22.5 million a quarter, but on the longer term you don't expect that needle to move very much on the downside anyway?
Brad Kessel
I guess Rick, I'd jump in there. On the expense side, I think the two categories as Rob mentioned that still have room are loan and collection and we've made a lot of progress there. I think the other category obviously is our largest expense and that's salaries and benefits. And today we continue to have a large number FTEs for an institution our size, including our service portfolio. So I think that's the area that will -- that does have some opportunity. I think in terms of capitalizing on the opportunity, we have a couple of things in the works.
Number one is we have contracted with a third party that's helping us with what I call workflow or process flow throughout the organization and essentially trying to minimize the number of handoffs, eliminate paper and as we flow chart today the way work runs through our system and then flow chart a more optimized process of it running through our system, I think out of that we are going to find that some work today that we're doing just as it's needed. I think there's some pretty good upside there. I also think that today we have 70 branches and our peak we had 106. We sold off 21. We consolidated another 15 and we probably have some room for further branch consolidations and or sales. We are not I guess just set or comfortable with the $22.5 million run rate. We are going to continue to whittle away at it.
(Operator Instructions) Our next question is Damon DelMonte, KBW. Please go ahead.
Damon DelMonte – Keefe, Bruyette & Woods
Just wondering if you could talk a little bit on the loan growth, maybe some of the -- go into a little bit more detail on some of the initiatives on the commercial side that's going to be the biggest drivers of growth in the coming quarters.
Brad Kessel
Sure, I think we have now the right team in place. We have 21 business bankers spread across our markets essentially, and I outlined on this, east Michigan, west Michigan and central Michigan. And overseeing those business bankers we have three group managers and two of them have been with us for some time and then the third is an add here in west Michigan within the last 18 months. And I think what we've seen here over the last six months in particular is finally starting to ramp it up here in the west Michigan region. I think before that there was probably untapped demand simply because we were still coming out of I think our prior period of healing the balance sheet and we didn't necessarily have all the people in place.
So now that the people have been in place for I think enough time to make a difference -- and we're getting a lot of looks in all our markets and it's a nice mix. What I like is that it's a mix in product. It's a mix in geography and it's very granular. As an example this past quarter I think our largest onboarding was probably just around the $10 million mark and after that there's probably another 35 credits that are over the $500,000 mark. So, a lot of just solid, good sized credits. And then within the new business we've seen this past quarter it was probably more slanted new to new customers as opposed to new to existing customers. But -- so that's some of the, I guess facts behind what we are seeing. And I guess I'll leave it at that.
Damon DelMonte – Keefe, Bruyette & Woods
Okay, that's helpful. Thank you. And then just with respect to the margin, I take it from the commentary you'll probably see a little bit more pressure on the margin, but can you quantify your estimate for maybe on a quarterly basis? Are we talking just a couple basis points similar to kind of what we saw this last quarter? Or are we looking at something a little bit greater than that?
Robert Shuster
No, I think that's fair, Damon. I said in my comments that we believe we are coming likely to an end of compression caused by the near zero short term interest rate environment. Absent an unexpected adverse shift in loan mix, our modeling seems to or indicates that we really have pretty much come to the end of the downward margin compression. So perhaps we get a basis point or two additional, but we really feel it's flattening out at that point.
Having no further questions, this concludes our question and answer session. I would like to turn the conference back over to Brad Kessel for any closing remarks.
Brad Kessel
In closing, 2014 is a very special year for us at Independent Bank as we mark 150 years of serving in our Michigan communities. I'm very proud of our associates and to be a part of a company that has such a long history. On behalf of Independent Bank I would like to thank you for joining us on today's call. Have a great day.
The conference has now concluded. Thank you for attending today's presentation. You may now disconnect.
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Note: Sample below may appear distorted but all corresponding word document files contain proper formattingExcerpt from Essay:
6: Existing Cable and Wireless Design
The company will establish wireless access using the LWAP (lightweight access point). The LWAP will be distributed to all the facilities through the WLS. Typically, WLS will be installed to assist in providing the traffic tunnel and failover authentication. To enhance the security of the WLAN, the company will install the encryption system at the wireless access point, the encryption protocols will contain WPA/WPA2, and there will be an AES encryption at all the wireless access point using the 802.1 X authentication.
The company will redesign the local backbone infrastructure in order to increase the network bandwidth. There would be 100 BASE-T4 cabling to the 7 Cisco 2613 routers. The cabling system will assist the company to achieve efficient network connectivity for future growth. The 100 BASE-FX (fiber) cabling will be attached to the Cisco 7507 routers, which will assist in achieving more expansion capabilities and higher performances. The existing network will be worked into 2 Cisco 5500 Catalyst switches using the separate fiber cabling. The company will achieve a significant increase in the network bandwidth in the New York infrastructure with 100 BASE-FX cabling.
1.7: Current Network Utilization
The company will be able to utilize the network through the LAN and WAN. The company will achieve a QoS (Quality of Service) across the WAN router. To support the real-time traffic, the BestLinks will use the highest priority queue, and the network utilization is described below:
WAN Queue
Traffic Description
DSCP (Diffserv Code Point)
Minimum Reserved Bandwidth
Real Time
Voice Over IP
46 -- EF (Expedited Forwarding)
Call Signaling
Video Over IP signaling Voice over IP signaling
26 - AF31(Assured Forwarding)
24 -- CS3(Class Selector 3)
Critical Data
Interactive Video
High Priority Data
32 -- CS4 (Class Selector 4)
34 -- AF41(Assured Forwarding)
18 -- AF21 (Assured Forwarding)
Low Priority Data
10 -- AF11 (Assured Forwarding)
Scavenger class
8 -- C31 (Class Selector 1)
Best Effort Queue
0 -- No setting
Unused BW
1.8: Current Network Availability
The Network connection will be established through LANs at New York and Chicago centers. There would be a network connection between New York Center and Chicago center using the WAN connectivity. The company will need to test the network availability to understand whether the network has been really established. The network availability will involve testing the current internet connection, availability of over IP (VoIP) to understand whether there could be call success through the internet. Moreover, the extent the company has been able to achieve data transfer and retrieval over the two centers will be tested to develop the network availability. The company will also test the network availability to determine the number of packet loss within a month. (Cisco, 2012).
Jiang & Schulzrinne (2003) define the network availability as the number of times that the network has been available for use. The network system will be configured to achieve 99.99% availability. There would be integration of Cisco resilient to reduce the effect of outages within the company network system as well as achieving the operational excellence.
1.9: Delay and Response Times
The delay with the implementation of the project will be affected by the budget, technical personnel and availability of the technical materials. Within the contemporary technology environment, there is shortage of it (Information Technology) personnel to manage the project after the project implementation. The company will need to train technical personnel to manage the implementation of the project. The delay of the project will also be affected by the project budget. Hans Tech will need to fund the implementation of the project and since Hans Tech is a publicly owned company, the Board of directors will need to approve the funds that will be used for the project implementation and the approval by the board of director may take up to three months.
The project implementation will start on the 1 November 2012 and would end on the 30 September 2013.Project stakeholders will minimize the changes of the project requirements. During the project implementation, the critical tasks will be implemented first and the project implementation is presented in the table below:
Preliminary Activities
Engaging the BestLink Communication Expert Solutions
4 weeks
Information Security risk Assessment
Drafting the document of Information Security Policy
Business Continuity Plan
2 weeks
Hardware & Software Procurement, which include the servers, firewalls, cable, workstations, and anti-virus.
5 weeks
New York LAN Upgrade
Installation of 2 Cisco 7507 at each segment and are configured accordingly
10 days
Installation and configuration of Cisco 3750E/3560E switches and Cisco routers.
5 days
Configuration of workstations and end user LANs
5 weeks
Creating of the videoconferencing network segment and associated equipment.
5 days
Installing and configuring 2 Cisco Multiplexers
3 days
UPS installation
2 days
Installing the Cisco security appliances.
2 day
Configuring IPS and IDS to enhance the network security
2 days
Creating a secure external mail server and web server
6 days
Chicago LAN Upgrade
Cisco 6509 Installation at each segment as well as configuration
3 days
Configuration and Installation of Cisco Catalysts Cisco 3560E / 3750 Eswitches.
5 days
Configuring end user workstations and LANs
3 days
Creating and deploying the videoconferencing network segment and the associated equipment
6 days
UPS installation
4 days
Installing IPS and IDS for network security
2 days
Creating a secure external mail and server web server
3 days
WAN Connectivity to LAN
Installation of Cisco 7507 router
5 days
Connecting Cisco 7507 to the 6509E switch
2 days
Back-up connectivity with 45 Mbit/s DS3 to Chicago center
2 days
Back-up connectivity with 45 Mbit/s DS3 to Chicago
3 day
Installation of IDF with separate 3 subnets layers
1 day
Selection of EIGRP (Enhanced Interior Gateway Routing Protocol)
3 days
Linking the EIGRP routing to WAN routers
2 days
Wireless Local Area Network (WLAN)
Installation of WLC (Wireless LAN controller)
3 day
The installation of encryption protocols for WPA2/WEP
2 day
Encryption support with 802.1X authentication
2 days.
Server Plan
The table reveals as/400 server plans.
Bestlinks as/400 Server Projections
New York
Total as/400 servers
18 November 2012
30 December 2012
30 February 2013
30 May 2013
31 July 2013
31 August 2013
31 September 2013
1.10: Status of Major Routers, Switches and Firewalls
The company will make the major routers, Switches and Firewalls available before the project implementation.
The project pre-requisites will be as follows:
Chicago facility will be ready which include major routers, Switches and Firewalls.
There will be a configuration of LAN at least at 3-server farm and 40 workstations.
There will be an establishment of LAN to WAN connectivity
There would be configuration of firewall to enhance network security. The firewall will be used to block unwanted traffic from the reaching the network. (Chen, Horng, & Yang 2008).
Part 2:
The document provides the network system for Hans Tech Limited. The company intends to open another business unit at Chicago. Since Hans Tech intends to establish a communication links between the two centers, the company will need to upgrade the existing network technology as well integrating the WAN technology to achieve the network connectivity between the two centers. The WAN connectivity will be established through the (EIGRP) Enhanced Interior Gateway Routing Protocol and the BestLink will assist in establishing efficient and effective network connection. The project implementation plan will take up approximately 12 months to complete. The project implementation will enhance the following value for Hans Tech Limited:
Enhancing the company competitive market advantages
Enhancing state-of-the-art operation centers for New York and Chicago centres
Delivering the latest and best network support
Delivering database system
High-speed network connectivity for Chicago and New York
Unparalleled communication at each site.
Scalable and efficient Local Area Network at each center
High-level firewall network security for the two centers
Flawless WAN interfaces to offer network connectivity for the two centers
Secured extranet and internet connections
Installation of anti-virus software for all laptops and desktops
The successful completion of this project will support other technical projects to achieve the following objectives:
Understanding the strategy to create effective and efficient network document.
Understanding the strategy to connect WAN over LAN
Assist in designing high level network reliability
Assist in designing document to…[continue]
"Technical Document For Hans Tech" (2012, July 19) Retrieved December 11, 2016, from http://www.paperdue.com/essay/technical-document-for-hans-tech-72998
"Technical Document For Hans Tech" 19 July 2012. Web.11 December. 2016. <http://www.paperdue.com/essay/technical-document-for-hans-tech-72998>
"Technical Document For Hans Tech", 19 July 2012, Accessed.11 December. 2016, http://www.paperdue.com/essay/technical-document-for-hans-tech-72998
" James a.S. McPeek further blames Jonson for this corruption: "No one can read this dainty song to Celia without feeling that Jonson is indecorous in putting it in the mouth of such a thoroughgoing scoundrel as Volpone." Shelburne asserts that the usual view of Jonson's use of the Catullan poem is distorted by an insufficient understanding of Catullus' carmina, which comes from critics' willingness to adhere to a conventional -- yet incorrect


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Part of the show Brewing and Alcohol
Scientists in the US and Australia have shown that age is not a barrier to hot sex, at least when it comes to one of the world's oldest species of tree. Reporting their findings in the journal Science, University of Utah researcher Irene Terry, together with Gimme Walter, Chris Moore and Craig Hull from the University of Queensland, have solved a long standing puzzle about the reproduction of cycads, primitive plants dubbed "living fossils" that date back almost 300 million years.
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Thoroughbred Collision Center-Mill Creek
Featured Business
Absolute Auto Body Lynnwood17830 Highway 99
Lynnwood , WA 98037
4.2 miles away
"Sequoia said there were some items that were not finished when she picked up her vehicle. She chose..."
Review for Thoroughbred Collision Center-Mill Creek
Larry C. on 06/15/2012
Spoke with Suzanne. She said the detail was rushed. She is still having simple issues, the interior lights aren't working properly and there was some overspray. She said the final assessment and completed product seemed rushed. The vehicle was an hour late because they still had to vacuum and finish cleaning the glass debris. She has to come back to this business because there are issues that need to be resolved.
Category: Collision
Service Date: 06/08/2012
Review Created: 06/15/2012
This review was collected via phone interview by Customer Research Inc.


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Basic Psychic Development: A User's Guide to Auras, Chakras & Clairvoyance
A User's Guide to Auras, Chakras & Clairvoyance
by John Friedlander, Gloria Hemsher
- #580 in Nonfiction, Religion & Spirituality, New Age
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Unlock your psychic ability with this powerful, easy-to-use guide to energy awareness. Basic Psychic Development offers step-by-step exercises that explain how to understand and use auras, chakras, and clairvoyance to make the invisible world visible.
Based on the work of Lewis Bostwick, founder of the Berkeley Psychic Institute, Basic Psychic Development encourages an open, playful approach to experiencing the energies.
Basic Psychic Development shows how to:
- Read auras
- Use intuition to develop clairvoyance
- Overcome blocks and boundary issues
- Develop meditation and breathing exercises
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eBook Details
- Red Wheel Weiser, August 2012
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Best Hip-Hop Videos Of The Week, 5/19-5/25
This week's best hip-hop music videos finds Action Bronson pumping iron in Queens, T.I. and Cee-Lo come back from the brink, and Ty Dolla $ign parties by the poolside. Other notable inclusions on this week's list include Loaded Lux, Mr. Muthafuckin' eXquire and Joey Fatts.


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Sign up to receive updates about upcoming events.
Panelists discuss Freedom Summer, a Stanley Nelson documentary about the Mississippi Freedom Summer Project, which occurred 50 years ago this year and proved to be instrumental in the U.S. movement for civil rights.
Inna Pidluska of Ukraine's International Renaissance Foundation discusses Ukraine's evolving political culture, early elections, and potential opportunities for civil society and parliamentarians to pursue a reform agenda.
This event alongside the U.S.–Africa Leaders Summit offered a platform for representatives from civil society, the private sector, and governments to share experiences on efforts to improve natural resource governance.
The Willard Washington, D.C. Hotel, 1401 Pennsylvania Ave NW, Washington, D.C. 20004
A panel of grant makers and practitioners explores the promise and perils of strategic litigation, often a hallmark of Open Society Foundations' funding and operations.
Laura Reed of Freedom House and Darian Pavli of the Open Society Justice Initiative discuss a recent controversial decision by the European Court of Justice about search engine results.
This discussion focuses on the selection and vetting of United Nations peacekeepers, and how to ensure perpetrators of grave human rights violations are excluded from selection.
The Open Society Justice Initiative and Oxford University's Institute for Ethics, Law, and Armed Conflict are hosting a day of discussions on the worldwide legal fight against high-level corruption.
Saïd Business School, Oxford University
A film about a heroin-assisted treatment program in Denmark addresses the evidence behind prescribing heroin to people with long-term opioid dependency.
Recent Open Society Fellows Hisham Aidi and Arun Kundnai look at government policies to shape the lives of young Muslims and promote opposition to extremism. Peter Beinart moderates.
Johannes P. Wheeldon presents an alternative approach to debate and dialogue as a change-making tactic, with a focus on supporting inclusivity and promoting human rights.


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Description and amenities
Main amenities
Luxury apartment on Lyuteranska street, opposite Presidential Administration of Ukraine. The apartment is fully equipped with all appliances. A quiet place to Khreschatyk 5 minutes walk. Excellent transport interchange. Welcome!
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One Bedroom
26/17 Lyuteranska Street, Centre, Kiev
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text: Toronto, April 20, 2016 – The Ministry of Children and Youth Services has declared that as of May 1, Ontario will no longer provide Intensive Behavioural Intervention (IBI) to children of five years and older. A group of nine Board Certified Behavior Analysts™ (BCBAs), who are practitioners and advocates for children with Autism Spectrum Disorder […] . . . → Read More: Mind Bending Politics: Behaviour Experts Call Wynne's Autism Policy Destructive


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Description from the owner
Description from the owner
Bedrooms: 1/
Bathrooms: 1/
Sleeps: 2/
Type: Apt. / Condo
Book this 1 bedroom, 1 bathroom apt. / condo in Montreal today! A total of 2 people can sleep here comfortably. This property has been booked 1 times.
Guests can enjoy a pool, outdoor grill, and air conditioning among other amenities offered by this rental.
No travelers have shared a review of this property yet.
Costs vary, with the average weekly rate as low as $700.00, depending on travel dates.
The owner responds to 100% of inquiries and last updated the property's calendar 7 months ago, so this rental may not be available for your requested dates, but please inquire to confirm.
Proximity to TripAdvisor's Top Montreal Attractions
Proximity to TripAdvisor's Top Montreal Attractions
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TarHeelIllustrated.com caught up with James McAdoo earlier this week, who was on his way home after a 71 point blowout win over a conference opponent.
McAdoo talks Senior Season
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Spy on 'Snowden'—It's an excellent film!
Edward Joseph Snowden was a computer whiz who wanted to put his talents to work for the United States Government.
Kevin Hart's 'What Now?'—Not now!
Kevin Hart's "What Now?" tour is the centerpiece of this film. Hart performs before a record-setting, sold-out performance filmed outdoors in front of 50,000 people at Philadelphia's Lincoln Financial Field.
Reel Sisters kicks off film fest
Reel Sisters of the Diaspora Film Festival & Lecture Series will present more than 40 films that are guaranteed to inspire, uplift and spark conversations among family and friends
'The Girl on the Train' is an entertaining ride
"The Girl on the Train" is the story of Rachel Watson's life post-divorce.
NY Film Fest's opening night
The New York Film Festival's opening night is considered to be the world's most prestigious celebration of cinema, and the AmNews was part of a very select group of journalists invited to celebrate, mix and mingle.
Fox airing 'Showtime at the Apollo' special in December
Steve Harvey is hosting host SHOWTIME AT THE APOLLO, a two-hour event on Dec. 5
FX moves ahead with Singleton's 'Snowfall'
Deadline Hollywood is reporting that FX is moving ahead with "Snowfall," giving a 10-episode series order to John Singleton's drama inspired by the early days of the crack cocaine epidemic in Los Angeles in the early 1980s.
'Magnificent 7' doesn't live up to its name
It's been 56 years since the original "The Magnificent Seven" first hit the big screen.
'The Birth of a Nation' hits theaters
Veteran cinematographer Elliot Davis should be nominated and win several awards this season for his stunning visuals in Nate Parker's "The Birth of a Nation."
Ava DuVernay's '13th' hits Netflix Oct. 7
Ava DuVernay's "13th" opened the 54th New York Film Festival with a jolt! Did you feel it?
Cage match: Does the comics' 'Luke Cage' jibe with TV's?
Artist/designer L.A. Williams and George Carmona III, contributing writer for BlackSci-Fi.com sit down for a conversation.
Nat Turner and Nate Parker in Harlem
Celebrating his 62nd birthday with the community, Rev. Al Sharpton hosted a screening of the film " The Birth of a Nation" at Harlem's AMC Magic Johnson Theater with Nate Parker.
Ava DuVernay hopes her documentary '13th' will spark a 'revolution within'
Ava DuVernay tackles racial division in America and the disproportionate incarceration of African-American men in her new Netflix documentary, "13th."
VIDEO: Nate Parker addresses rape case in emotional '60 Minutes' interview
Director Nate Parker wants people's focus back on his film "Birth Of A Nation" and not on his 1999 sexual assault case.
DuVernay doc opens New York Film Fest
Hip hip hooray, hip-hip-hurray—this is our collective cheer for former unit publicist, producer and award-winning film and TV director, Ava DuVernay.


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Watch Dupa dealuri: Alina and Voichita have been friends since their orphanage days. And they have been lovers since they became sexually mature. But despite their oath of mutual fidelity, Alina, who could not bear poverty any more, emigrated to Germany where she became a barmaid. Now she just could not take the estrangement from Alina and today she is back to Moldavia with a view to taking Voichita along with her to Germany. The only trouble is that in the meantime her girlfriend has betrayed her in falling in love with... God! Voichita indeed now lives in a convent where she plans to make vows. The priest agrees, if somewhat reluctantly, to accommodate Alina before their (hypothetical) departure. He sees...
|October 01, 2012
|150 mins
|Cristian Mungiu
|Teodor Corban Ion Sapdaru Marian Adochitei Katia Pascariu Mara Carutasu
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Low-Fat Turkey Sausage Quiche
Total Time
Prep 10 mins
Cook 45 mins
Enjoy with salad and fruit for brunch or freeze in large freezer bags.
Ingredients Nutrition
- 1⁄2 lb turkey sausage
- 1⁄2 cup skim milk
- 1⁄2 cup shredded low-fat monterey jack cheese
- 1 uncooked pie shell
- salt and pepper
- 1⁄2 cup low-fat mayonnaise
- 2 eggs
- 1 tablespoon cornstarch
- Tabasco sauce
- Brown turkey sausage and drain.
- Mix all other ingredients together and stir in meat.
- Pour into pie shell and bake at 375 degrees for about 45 minutes or until golden brown.
Most Helpful
I give a medium rating to this recipe, based on my family's reactions. The main complaint was that the mayonaise was too strong of a flavor. I actually doubled the recipe, and what didn't fit into the pie shell, I placed in a dish to bake. I believe it made the quiche fuller in the pie shell. It was good, but not great. It did bake up nicely and looked very appetizing. I wish I could give it a higher rating.


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08-27-2009, 02:15 AM #1Temporarily Suspended
- Join Date
- May 2009
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- Jammu & Kashmir
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Premium Reseller - Private IP - Clientexec - Enom Reseller - Instant Setup
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The article below is for real estate professionals to use on their own blog or website copyright free.
Not all home improvement projects are created equal. Some renovations may cost a lot but not add significant value to your home. This list goes in the opposite direction: Here are some inexpensive home improvement projects that will not only increase your enjoyment of your home, but will also increase the home's value.
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text:
You are here » Home » » Purnendu Ghosh
Purnendu Ghosh
Purnendu Ghosh
The writer is a biotechnologist and ED, Birla Institute of Scientific Research, Jaipur
My Stories
- Aug 02 2015, 2050
Death is instantaneous but it comes progressively. Some say, death is at the centre, and not at the end of a life.
- Jul 26 2015, 1913
It is hard to accept that we harbour such a socially unacceptable emotion as envy, but envy is natural.
- Jul 19 2015, 2053
Why am I not Rabindranath or Einstein? Why is my mind so ordinary? Why some minds understand things so easily? Why am I not fully awake?
- Jul 12 2015, 2009
There is no escape from scarcity. If you are hungry, it is form of scarcity. If you are lonely, it is another form of scarcity.
- Jun 28 2015, 1903
It is said that a man's brain is larger than a woman's but a woman uses hers more.
- The government needs to explain the `67,382 crore IDS declarations
The authenticity of disclosures made by individuals and companies under the much-publicised Income Disclosure Scheme (IDS) has come under scrutiny.
Stay informed on our latest news!


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At Dillard's, we implemented a security program to ensure that a human is trying to enter our site and not a computer. If you have any questions, please contact firstname.lastname@example.com.
If you want to pay your bill, please visit Dillards.com/payonline.
Item #04246576
Designed by Mr. Stan Baskett, the Stafford Collection from Wilton Armetale was influenced by the mid 19th century Ironstone pottery hand-crafted and manufactured in Staffordshire England.During that time patterns with raised edges, softly sculpted in light relief became very popular. The outer edge of the piece is contoured to each design to create soft pleasing shapes. Whether it's a formal dinner setting, a casual get-together or simply mac & cheese night with the kids, Stafford provides the necessary serving pieces for any occasion.These pieces feature:
Click Image To Zoom
Item # 04187700Wilton ArmetaleD/M/S: 0734 893 355048
Item # 04187701Wilton ArmetaleD/M/S: 0734 893 355056
Item # 04187703Wilton ArmetaleD/M/S:
Item # 04187705Wilton ArmetaleD/M/S: 0734 893 355185
Item # 04187706Wilton ArmetaleD/M/S: 0734 893 355245


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Welcome Home
Alpha Co
is a member of the Vietnam Brotherhood Florida, Alpha Co. is located in Sarasota Florida and works with the Sarasota County Veterans Commission, Sarasota National Cemetery, MOTS and many other county services to promote the Vietnam Veterans and all Veterans.
Alpha Co. Honor Guard has provided Honor Guard service to many of the Indigent Funerals at the National Cemetery, Parades, Sand Sculpting Ceremony's, ROTC programs, The Vietnam Traveling Wall, Stand-Down Program to help the homeless and many more.
Alpha Co. helps local services like MOTS which sends packages to our service man, we host booths at events to provide information to Veterans regarding VA benefits, we meet our returning soldiers to honor them and welcome them home, we do Flag Burning Ceremony's, we do Relay for Life a cancer fund raising event and so many more.
During the year Alpha Co. presents Awards for Outstanding ROTC Members, we judge ROTC Team competitions, and we visit schools to speak to students about the Vietnam War.
The Vietnam Brotherhood has many annual events like our annual Christmas Party, Thanksgiving Party, Vietnam Brotherhood Picnic. Each company also has there own parties to so that's a lot of parties.
The Vietnam Brotherhood is an in-country, fraternal association of Vietnam Veterans. The Vietnam Brotherhood's organizational purpose is first social. However, the stated desire of the membership and officers are to help one another support our respective communities through charitable drives and donations as well as support Veterans' rights issues and all other legal activities common to Veterans organizations.
Our goals include:
- To help each other in our separate Company's
- To help other Vietnam Veterans
- To help other Veterans
- To help our community
- To educate the public about the true Vietnam Veteran
- To teach the young, so it does not happen again
- To be Proud to be in a free nation, under God.
We invite all In-Country Veterans who still remember the brotherhood we once had to re-light the fire.
The Vietnam Brotherhood was born to serve you, not for you to become a servant.
History of Veterans Day
Veterans Day is dedicated to remembering the service and sacrifices that U.S. military service members have made for their country, including the 25 million living veterans in this country.
HONOR THEM, NEVER FORGET THEM and remember it is they who gave you FREEDOM!
This legal federal holiday is observed on November 11.
Community Grant Request
Woody Schiffman, Donations Chairman has sent out Community Grant Request to all the Walmarts in Sarasota & Manatee counties. The Turning Points Stand funds that we may raise will be used to help support the Homeless Stand Down being sponsored by Turning Points being held on Nov. 5, 2016. He has requested $1,000 from each location. The Turning Points Stand Down is a bi-county effort. We may be looking for help to pass out bus passes in Sarasota County 2 weeks before this event.
Learn from Guest Speakers About Available Benefits and Officers that Can Save $$$$
History of the POW-MIA Flag
POW/MIA FLag In 1971, Mrs. Michael Hoff, an MIA wife and member of the National League of Families, recognized the need for a symbol of our POW/MIAs. Prompted by an article in the Jacksonville, Florida Times-Union, Mrs. Hoff contacted Norman Rivkees,


text:
I had the most fantastic talk with Nancy Sternberg, the Program Manager for Business.gov, last Friday. They've just launched a green version of the site, and her excitement and enthusiasm are contagious. With 26 million small businesses in the U.S., Nancy Sternberg looks at the green version of Business.gov as 26 million opportunities to help business owners reach their environmental goals.
The site was mapped from taking regular polls of their users, which helped the designers recognize that there is a ton of environmental information out there, but that it's difficult to find, and it gets confusing. Someone coming fresh into this sustainability process may not have a clue where to even start.
Business.gov is all about pushing out relevant, trustworthy, environmental information. The site is the culmination of the efforts of a cross-governmental team, and is all the green information from 22 government agencies put together in a single face.
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Model Railroader
how to make realistic model buildings
How to make a scenic model rail tunnel
fixing a curved wall in place. Also creating steps and stairs
Terrain tutorial this is good for moss on the dollhouse Scotty's Workshop: Inexpensive and easy homemade flock! Made from sawdust & paint you can use tea, oregano, peppar
How To Make Your Own Grass for Your Model Railway
MODEL RAILROAD ENGINE HOUSE IMAGES | Model Railroad Forums • View topic - 2010 National Narrow Gauge ...
Image from http://3.bp.blogspot.com/-l6YSJZEru2Q/T9N5L_bgwJI/AAAAAAAAAWY/NVvTJ0rgrAM/s1600/DSC08988.JPG
41307 Highbridge 5.3.66 | by George of Dufton
The distinctive, stone-like texture below was made by spreading on a thin layer then pressing in a sponge while still wet to imprint the pattern. The sponge needs to be damp to prevent the polyfilla from sticking too much.


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What did you learn from writing the book? Did it teach you anything new about labour history?
First, the workers' movement has been a poor steward of its own heritage: the lives of the activists I've documented deserve to be in the mainstream of history.
Second, if you want a generalisation, the successful workers' movements in history have been those that enabled large numbers of downtrodden people to feel a tangible liberation in their everyday lives: at work, in the community or through cultural networks.
Third, the political space between reform and revolution - so pesky to the ideologists of social democracy and communism - is where most workers' movements ended up. They seemed consistently prepared to settle for some element of control - either in the workplace or the community or even in their own personal lives: less than revolution, more than top-down reform. If the new workforce of the global South gets beyond sporadic resistance I won't be surprised to see it focus on the issues of individual freedom and control, as well as wages and political democracy.
There is a sense in the book that you don't expect the new workforce to go through the same cycle of selforganisation as in the 19th century.
It is not inevitable.The information technology revolution is creating a new type of human being and therefore a new type of worker.What struck the cavalry officers at Peterloo was how close the crowd stood:'so close their hats were touching'.They'd never seen peasants do that, and they'd never seen a manufacturing population before.
Today we're struck by different human characteristics.There are three billion workers in the world.There are 2.7 billion mobile phone users: last year alone 600 million new subscribers were added. I have seen what the mobile can do for shanty-town activists in Nairobi. It allows you, as the Kenyan academic June Arunga puts it, 'to walk away from paternalism; to own yourself '.
If you're a migrant agricultural worker it makes your world incredibly fluid too: you can be in Belgium one week, Grantham the next. And every member of the salariat knows how the mobile blurs the distinction between work time and leisure time. In other words, the new working class of the global South does not think and behave only like cotton spinners before Peterloo, but also like teenagers on Facebook.
So I expect the forms of resistance to be more individualistic, the organisations to be more sporadic and more like networks - less permanent, less hierarchical. And certainly any forms of organisation that rely on permanence and predictability are going to have a hard time. As one migrant workers organiser in East Anglia said to me:'Every time we print a leaflet it's in the wrong language because a different set of people have moved in.'
These limitations won't go away in the global South. 'Old-style' trade unionism is having just as hard a time in Noida and Gurgaon, the SEZs [special economic zones] outside New Delhi, as it does organising Amazon or Easyjet here.
In the book you place great emphasis on historical narrative: on the importance of rescuing stories. Why?
Look at France today.When Sarkozy ordered a famous letter by communist resistance hero Guy Mocquet to be put on the school curriculum it became a struggle over who 'owns' the story - whose emotional narrative does it fit into?
The modern left is very wary of heroes and heroines - rightly because so many turned out to be fabrications. But without individuals, their messy lives, their flawed but beautiful characters, the history of organised labour becomes simply a history of 'the masses'.
I've dug deeper into the lives of the working class rebels: Bill Haywood, caught literally with his pants down by Pinkerton Agency detectives who dragged him out of a seedy rooming house; Louise Michel recklessly gathering cherry blossoms under shellfire in Pere-Lachaise cemetery to lay on the graves of martyrs from a previous revolt; Jim Larkin, in the 1930s, breaking off street agitation to phone key members of the De Valera government about the plight of sparrows trapped in telephone wires.
These are people who were always an annoyance to the leaders of the movements they were a part of. Yet I think we will come to see them as central to the real narrative of the 150- year upward sweep of organised labour before 1945 - and more than that, to the history of the human race.
The book has been accused of lacking a central narrative: a collection of stories rather than a meta-narrative about the destiny of the organised workforce.
I do have a meta-narrative: it's just that it doesn't seem to fit with anybody else's. First the skilled workers get organised; then the unskilled workers get organised; then in the early 20th century the state becomes so militarised and intolerant that the workers have to choose between a violent clash with it or total incorporation. In the end, they have to ally themselves with Stalin, Churchill and Roosevelt to defeat fascism, so they're incorporated anyway.
That's the end of Act One. Act Two is the period from 1945 to 1989, where organised labour becomes part of the system both sides of the iron curtain. Now that deal has been broken and we are at the opening of Act Three, and the lives of people on the factory floor of New Delhi and Shenzhen, or on the streets of El Alto, seem to have a lot more in common with people in Act One. The tension occurs because I don't claim to know what is coming in Acts Four and Five!
There are forces way beyond the left now that are starting to think about class and class identity as emergent political questions.The success of London Citizens in organising the Canary Wharf cleaners (see Jane Wills), changing the economics of the contract cleaning industry, and now, in alliance with the Catholic Church, putting 8,000 undocumented migrants onto the streets for a demonstration inspired by St Joseph the Worker - all that shows that labour organisation is not necessarily going to be a monopoly for the left in the future.
Given the decline in engagement with political institutions, the gulf between people and institutions and the hollowing out of democracy in general - how far is some kind of rediscovery of labour as a subject a basis for rekindling politics?
The decline of social capital in the form of traditional forms of civic and political organising, the rise of modern individualism, the refusal to commit to any organisation, left or right, has to have some material roots. I think these have been best demonstrated by LSE academic Richard Sennett in The Culture of the New Capitalism.
He shows how so much of this individualism is actually a form of behaviour conditioned by the way we work. The modern corporation promises us nothing. So we promise nothing back. The fear of 'joining' is an aversion to dependence and it's so widespread among people below the age of 35 that I've come to the conclusion that it has to be logical. That is, it is a rational response to circumstances, not some form of immaturity contingent on the defeat of the unions or the dumbingdown of university degrees.
As for 'labour' I would say the dividing line between the skilled and unskilled worker is now over the issue of control and dignity and respect at work. Both parts of the modern workforce are actually well aware of their own labour as a thing of value. In an investment bank it's really clear - because whatever stress, long hours or target-driven culture people subject themselves and their teams to, they are ultimately respected.The cleaners - before they got organised - were not.
If you go back and re-read the accounts of the 1889 London dock strike, you can see they were grappling with the same issues - and on the very same waterfront! The dockers were fighting for an element of control and respect in their lives, the kind of respect skilled workers had but they did not.
As strike leader John Burns said: 'Labour of the humbler kind... in conquering himself has learned he can conquer the world.' The strike's positive impact on social capital in the East End of London, I would argue, dwarfed the efforts of philanthropists: William Booth, Cardinal Manning and Beatrice Webb put together.
Do you think this holds lessons for today?
I'm not really in the business of lessons. But parallels, yes.
Recently, we've seen both the left and right become interested in community self-organisation as a means of rebuilding social capital. If you take the view that globalisation is going to lift large numbers of people into the lower middle class, then the decline of social capital among the poor does not seem like a pressing problem. If you believe it's having the opposite effect - creating a stratum of low-skilled, low paid workers who have very little culturally in common with the middle class - then you might ask whether it was such a great idea to destroy everything that held their communities together.
I have heard politicians from all ends of the spectrum talk about this in the last 12 months. Both the centre left and centre right have set up institutes to promote 'social cohesion'.You have David Cameron telling the Conservatives to create a 'social footprint' among deprived communities and Labour turning to grassroots organisation in order to fight off the BNP. I think rebuilding social capital among low-income communities will be a defining obsession for politicians in the next period, just as the erosion of social capital defined the previous period.
Your book has been criticised for being starry eyed about syndicalism. Why are you so positive about a movement that fell apart and failed in most countries?
I am not saying 'emulate syndicalism'. But I do think it's worth studying afresh.
Syndicalism operated in a third dimension beyond economics and politics, a dimension of personal, human and individual freedom. Implicitly it understood the power of social capital - and note here I am not just talking about the anarcho-syndicalism of, say, the Spanish CNT, but the organisations created by Tom Mann, James Connolly, Bill Haywood.
But it's not just syndicalism. All the successful workers' movements - from the Patriotic Union societies at Peterloo through to the Jewish Bund in the 1930s - were ones that provided a holistic answer to the felt needs of the working poor.That is, they did not just treat them as the subjects of a wage bargain, or as unconscious collective 'bearers' of the new economic order.They created schools, adult education classes, social centres, libraries, worker-run labour exchanges, as well as unions. And they set out to attract migrants and women as well as the 'core' workforce.
A union organiser said to me recently:'You might be right in that we have to go through something like syndicalism again, with all its chaotic transience, to get to a much more solid kind of organisation, such as that achieved by the CIO unions in America under the New Deal.' I said just imagine if you never get to that Fordist/New Deal phase ever again - you might then be happy to achieve just half of what the Wobblies did. And you might have to put up with even more chaos, febrility, diversity.
But essentially the book is not about any kind of future strategy for unions, or slum networks or social justice movements - it is about shining a spotlight on the past from an unfamiliar angle. By re-telling from a humanist perspective stories that had been 'owned' by the left - or rather hidden away in its attic - I wanted to make them relevant to a much wider audience.
I make no apologies for doing that. The people I've written about lived lives that were, as one reader put it to me 'clean and poetic'.They deserve a place higher in the mix of human history than they've had so far.
Paul Mason's book Live Working or Die Fighting: How the working class went global is published by Harvill Secker, price £12.99
Hilary Wainwright is a member of Red Pepper's editorial collective and a fellow of the Transnational Institute.
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New Victorian Inn & Suites in Sioux City, IA places you within a 10-minute drive of Sergeant Floyd Monument and Argosy Casino. This 65-room hotel has free breakfast along with conveniences like an indoor pool and free in-room WiFi. Near the airport, the hotel is also a short drive from Tyson Event Center and Sioux City Art Center.
Start your day off right with a free continental breakfast, served each morning from 5 AM to 11 AM.
New Victorian Inn & Suites in Sioux City, IA's 65 rooms are air-conditioned and provide microwaves, refrigerators, and free local calls. Guests can expect free WiFi and 42-inch flat-screen TVs with cable channels. Bathrooms have hair dryers and free toiletries. Other standard amenities include ironing boards and desks.
Property features
At New Victorian Inn & Suites in Sioux City, IA, guests have access to an indoor pool, free WiFi in public areas, and a 24-hour business center. Free parking is included with your stay. The 24-hour front desk has multilingual staff ready to assist with sightseeing, directions, and local dining recommendations. Additional amenities include a computer station, express check-out, and free newspapers.
- Free continental breakfast
- Free WiFi in rooms and public areas
- Free parking
- Indoor pool
New Victorian Inn & Suites in Sioux City, IA
Hotel Amenities
Room Amenities
New Victorian Inn & Suites in Sioux City, IA offers 65 air-conditioned accommodations with hair dryers and irons/ironing boards. 42-inch flat-screen televisions come with cable channels. Guests can make use of the in-room refrigerators and microwaves. Bathrooms include bathtubs or showers and complimentary toiletries.
This Sioux City hotel provides complimentary wireless high-speed Internet access. Business-friendly amenities include desks along with free local calls (restrictions may apply). Housekeeping is provided daily.
- Air conditioning
- Free local calls
- Microwave
- Refrigerator
- Daily housekeeping
- Free toiletries
- Hair dryer
- Iron/ironing board
- Desk
- Cable TV service
- In-room climate control (air conditioning)
- Private bathroom
- Bathtub or shower
- Rollaway/extra beds (free)
- Free cribs/infant beds
- In-room climate control (heating)
- Flat-panel TV
- Free WiFi
Hotel Amenities
A computer station is located on site and high-speed wireless Internet access is complimentary. A 24-hour business center is on site. A complimentary breakfast is offered each morning. This Sioux City hotel also offers an indoor pool, multilingual staff, and complimentary newspapers in the lobby. Onsite self parking is complimentary.
New Victorian Inn & Suites in Sioux City, IA is a smoke-free property.
- RV, bus, truck parking
- 24-hour front desk
- Free newspapers in lobby
- Free breakfast
- Elevator/lift
- Total number of rooms - 65
- Laundry facilities
- Number of floors - 3
- ATM/banking
- Free self parking
- Smoke-free property
- Indoor pool
- Television in common areas
- Express check-out
- Computer station
- Free WiFi
- Multilingual staff
- Year Built 1997
- 24-hour business center
- Number of buildings/towers - 1
Family Friendly Amenities
- Family Hotel
- Indoor pool
- Free Wi-Fi
- Laundry facilities
- Refrigerator
- Microwave
- Cribs/infant beds (complimentary)
Available in all rooms: Free WiFi
Available in some public areas: Free WiFi
Free self parking, RV, bus, truck parking
Where to Eat
A complimentary continental breakfast is served each morning between 5 AM and 11 AM.
If you have requests for specific accessibility needs, please note them at check-out when you book your room.
- Accessible bathroom
- Roll-in shower
- In-room accessibility
Nearby Things to Do
Recreational amenities at the hotel include an indoor pool.
Hotel Policies
You need to know
Extra-person charges may apply and vary depending on property policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
Service animals exempt from fees/restrictions
Children and extra beds
- Children are welcome.
- Kids stay free! Children 17 years old and younger stay free when using existing bedding.
- Free rollaway/extra beds!
- Free cribs (infant beds)!
Check-in time starts at 3 PM
Minimum check-in age is 18
Check-out time is noon
Payment types
Optional extras
- Pet fee: USD 15 per pet, per night
We should mention
Children 17 years old and younger stay free when occupying the parent or guardian's room, using existing bedding. Guests can arrange to bring pets by contacting the property directly, using the contact information on the booking confirmation (surcharges apply and can be found in the Fees section).
Hotel Name
- New Victorian Inn in IA
- New Victorian Inn in IA Hotel
- New Victorian Inn in IA Hotel Sioux City
- New Victorian Inn in Sioux City IA
- New Victorian Inn Sioux City IA
- New Victorian Inn
- New Victorian Sioux City IA
- New Victorian
- Pets allowed for an extra charge of USD 15 per pet, per night
- Dogs only
- 2 per room (up to 50 lb)
- Restrictions apply
- For more information contact the property at the number on the booking confirmation


text:
Alternative Titles
Japanese: フォレストリー
Type: Special
Episodes: 1
Status: Finished Airing
Aired: 2008
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Licensors: None found, add some
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Source: Unknown
Genres: Comedy
Duration: 2 min.
Rating: PG-13 - Teens 13 or older
Score: 4.421 (scored by 43 users)
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Ranked: #85162
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Check in from 13h / Check out prior to 10h
The Baskerville: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Shiplake, United Kingdom.
The Baskerville is ideally placed in peaceful surrounds in Shiplake, a short drive from Reading and Henley-on-Thames. It provides a gym, as well as a tour desk, free Wi-Fi and luggage storage.
Hotel description
The rooms at The Baskerville Apartment Henley-on-Thames provide a range of superior facilities, including a power shower. A hair dryer, a DVD player and ironing facilities are also provided.
Every morning, guests can sit down to breakfast provided by The Baskerville before heading off to discover what the surrounding region has to offer.
The Baskerville Apartment Henley-on-Thames is well-connected to the rest of the area, with Shiplake Railway Station within a minute's walk. The surrounding countryside allows guests to enjoy scenic walks.
Hotel features
Restaurant, Pet Friendly, Hair Dryer, DVD Player, Shower
Luggage Storage
Fitness Room/Gym, Tour Desk, Garden
Internet Connection (wireless)
Picnic Area/Tables
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Users who viewed The Baskerville also viewed these 4 stars Shiplake hotels:
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- Inverloddon Bed and Breakfast
1.4 km
- My River Cruising Henley
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3.1 km


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Macau: Malaysia's professional shuttler Liew Daren pulled off a a major upset en route to book his berth in the third round of the Macau Open Grand Prix Gold Badminton Championship at the Tap Seac Multisport Pavilion in Macau, today.
Taipei: Malaysia's Daren Liew couldn't close it out after leading in both first and second set at the Taiwan Masters Grand Prix Badminton Championship finals at the Hsing Chuang Gymnasium in Taipei on Sunday.
Taipei: 29-year-old Daren Liew gave one of his greatest performance of his professional career in the semifinals of Chinese Taipei Masters, fighting hard to deny No. 5 seed Lin Yu Hsien of Taiwan with 11-9, 6-11, 11-3, 12-10 on Saturday.
Taipei: Current World No. 106 Daren Liew of Malaysia has reached the Taiwan Masters semi-finals after coming through an easy quarter-final against Shesar Hiren Rhustavito of Indonesia 11-8, 11-3, 11-2 on Friday.
Taipei: Two former Badminton Association of Malaysia (BAM) shuttlers - Daren Liew and Tan Chun Seang have advanced to the last eight of the $55,000 Taiwan Masters GP on Thursday.
Taipei: It's clear that not every shuttlers is adopting to the new 11x5 scoring format well. At the ongoing Chinese Taipei Masters that kicked off the opening round on Wednesday, we saw some shuttlers were striving while some were struggling under that experimental 11-point format.
Bangkok: Takuto Inoue/Yuki Kaneko of Japan caused an upset as they toppled No. 1 seeds Koo Kien Keat/Tan Boon Heong in the opener of Thailand Open on Wednesday.
Balikpapan: 16-year-old women's singles shuttler Goh Jin Wei of Malaysia advanced to the quarter-finals of the Indonesia Grand Prix after beating local shuttler Desandha Vegarani Putri 21-17, 21-10 in 37 minutes on Thursday. Goh will play Chinese shuttler Gao Fangjie next.
Taipei: After the withdrawal of Lee Chong Wei, Lin Dan, and Chen Long, China's Tian Houwei became the highest seed remaining at Chinese Taipei Open. However, the No. 4 seed Tian was knocked out of the tournament when he slumped to an 18-21, 10-21 defeat by Hong Kong shuttler Vincent Wong Wing Ki in the men's singles third round on Thursday.
Taipei: Wang Shixian made a flying start in the women's singles first round at Yonex Chinese Taipei Open with a 21-14, 21-16 rout of Taiwan's Hung Shih Han in 33 minutes on Wednesday.
Jiangsu: Malaysian shuttlers Iskandar Zulkarnain Zainuddin and Daren Liew led the Malaysian squad into the third round of the China Masters Grand Prix Gold in Jiangsu, China on Wednesday.
Auckland: Malaysia's mixed doubles pair Chan Peng Soon-Goh Liu Ying made a resounding start to their New Zealand Open campaign when they put up a spirited fightback, coming from 15-20 to storm past Chang Ko-chi/Chang Hsin-tien of Taiwan 22-20 in the first set of the USD 120,000 Grand Prix Gold badminton tournament on Wednesday. The Taiwanese pair appeared demoralized in the second set, and Chan/Goh wasted no time to produce a thrilling performance to notch up a 21-15 win in the second set.
Auckland: Tuesday was a good day for the former Badminton Association of Malaysia (BAM) player Daren Liew. The 2012 French Open men's singles winner needed only 34 minutes to outclass Taiwan's Liu Wei-chi 21-17, 21-13 in the first round at the New Zealand Open in Auckland.
Kuala Lumpur: Daren Liew who left the Badminton Association of Malaysia (BAM) two weeks ago after he was defeated by Boonsak Ponsana in the 1st round of Malaysia Masters, has signed a five-year contract with Petaling Badminton Club on Thursday to continue his playing career.
Kuala Lumpur: Daren Liew who was once ranked World No. 10 and was once regarded as the best player to lead the Malaysian team after Lee Chong Wei retires, played his last match under the Badminton Association of Malaysia (BAM) set-up on Wednesday when he lost to Thailand's veteran player Boonsak Ponsana in the first round of the Malaysia Masters 10-21, 15-21 in 34 minutes.
Genting Highlands: World No. 161 Tan Chun Seang pulled off arguably the most impressive feat of his career when he contributed the decisive three-point against Syed Akhbar Shah Syed Mustakim of Puchong United BC in the second men's singles match to end Muar City's 2-year wait by winning the Resorts World Genting Champions Challenge on Sunday.
Genting Highlands: Playing without Chong Wei Feng, defending champions Kepong BC suffered a heartbreaking 10-11 defeat to Puchong United BC in the semi-finals of Resorts World Genting Champions Challenge on Saturday.
Kepong BC's fortunes for winning the tie looked promising when Wei Nan defeated Malaysia's national men's singles shuttler, Daren Liew 11-9, 8-11, 9-11, 11-10, 11-9 to put Kepong BC ahead with 3-2.
Taipei: Malaysia's independent men's doubles pair Hoon Thien How/Lim Khim Wah needed only 36 minutes to dispatch Liao Kuan Hao/Lu Chia Pin of Taiwan 21-14, 21-17 on Thursday to advance to the quarter-finals of Chinese Taipei Grand Prix. The Malaysians will take on Wannawat Ampunsuwan/Thatinn Isriyanate of Thailand next for a spot in the semi-final.
Taipei: Zulfadli Zulkiffli was given a fright before reaching the second round of the Chinese Taipei Grand Prix on Wednesday. The No. 2 seed beat Reksy Aureza Megananda 21-19, 21-23, 21-14 but needed 76 minutes to set up a second round clash against the qualifier Hsieh Feng Tse of Taiwan.
Kuala Lumpur: Malaysia's No. 2 men's singles player Chong Wei Feng said last Saturday that he will accept whatever Badminton Association of Malaysia (BAM) decide, whether to keep or to drop him from the national body after 2016 Rio Olympics.
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