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August 4, 1931
IN RE SALMON WEED & CO., INC.; SCHEUER ET AL.v.SALMON WEED & CO., INC., ET AL.
Appeal from the District Court of the United States for the Southern District of New York.
Before L. HAND, SWAN, and AUGUSTUS N. HAND, Circuit Judges.
AUGUSTUS N. HAND, Circuit Judge.
The alleged bankrupt, Salmon Weed & Co., was a corporation engaged in the business of dealing in securities, but was not a member of any stock exchange. A. L. Scheuer & Co. were stockbrokers and members of the New York Stock Exchange. They were instructed by the alleged bankrupt to clear for it certain transactions in sales of stock of the Chemical Bank & Trust Company, and accordingly purchased such stock for the account of their customer with their own funds. Thereafter, and on July 5, 1929, an involuntary petition in bankruptcy was filed against Salmon Weed & Co., and on July 8, 1929, Irving Trust Company was appointed receiver in bankruptcy of its property. Two hundred shares of Chemical Bank stock were on hand at the date of the filing of the petition which have never been taken up or liquidated, and the debit balance of Salmon Weed & Co. against those shares of stock was $28,631.52 at that date.In the schedules filed by the alleged bankrupt, for the purpose of a composition, the stock was listed at the value of $26,400. A. L. Scheuer & Co. had pledged the stock, without obtaining any consent from Salmon Weed & Co., in a bank loan which they were carrying in the amount of $100,000. It is not shown just when this repledge was made.
On September 23, 1929, a representative of the receiver instructed the brokers to sell the stock because it had advanced in price.The brokers requested written instructions, perhaps in fear of the clause of the receivership order enjoining all persons from disposing of property of the alleged bankrupt; but, whatever may have been the motive, the receiver acquiesced in the request and wrote a letter to A. L. Scheuer & Co., which they say never reached them. This letter admittedly only suggested that the brokers sell 200 shares of Chemical Bank & Trust Company stock, held for the account of Salmon Weed & Co., if they "should care to do so." From this it is evident that there were no definitive instructions by the receiver to sell the stock and that the whole matter of sale was left within the discretion of the brokers.
On October 11, 1929, the alleged bankrupt filed schedules, and on October 14 filed terms of composition with the referee. The latter thereupon directed A. L. Scheuer & Co. to prove their claim. Upon the hearing, he decided that the repledge of the stock by the brokers was an unlawful conversion and apparently also that the damage due to the conversion was sufficient to set off the brokers' claim, which was accordingly expunged. The judge, on review, arrived at the same result, not, however, on the ground of conversion, but because the brokers should have sold the security more promptly, at least in September, 1929, when its value exceeded the amount of the loan. In reaching this conclusion, the judge laid stress on what he termed the well-established practice of the New York Stock Exchange to close out transactions like those here" 'under the rule' immediately after bankruptcy."
Counsel for the receiver attempts to sustain the disposition of the case below on the ground that:
(1) The brokers should have liquidated the security promptly so that it would have had sufficient value to satisfy their claim.
(2) If they were not obliged under their contract to sell more promptly, yet, as they might have done so, the court could in this litigation determine the value of the security, and has done this correctly.
(3) The repledge was an unlawful conversion, and the proper measure of damages for it exceeded the amount of the claim.
(4) The expunging of the claim of A. L. Scheuer, followed by the confirmation of the composition and the distribution of the composition fund to the other creditors, renders this appeal applicable only to moot questions, and it should accordingly be dismissed.
The first two points cannot, in our opinion, be sustained. Sections 57e and 57h of the Bankruptcy Act, 11 USCA § 93(e, h) prescribe the methods whereby secured creditors may establish the amount of their claims. Section 57e provides that the claims of such creditors shall be allowed for such sums only as to the courts seem to be owing over and above the value of their securities. Section 57h prescribes two ways of fixing the value of the securities to be charged against the face of a secured claim. The frist is by converting the security into money according to the terms of the agreement whereby it was delivered to the creditor; the second way is by "agreement, arbitration, compromise, or litigation, as the court may direct." We know of no basis for holding that a pledgee must sell his security immediately after the pledgor has become bankrupt. To be sure such was aparently the decision of a majority of the Appellate Term of the New York Supreme Court in Steinhardt v. National Park Bank, 52 Misc.Rep. 464, 102 N.Y.S. 546. There the sale was made seventeen months after bankruptcy. When the petition was filed, the security was worth enough to cover the claim. When it was sold, the proceeds were very much less. The majority of the court held that in such a situation the creditor had no balance over and above the value of the security which could be set off against debts of the creditor to the bankrupt estate. But the Appellate Division reversed this decision (Steinhardt v. National Park Bank, 120 App.Div. 255, 105 N.Y.S. 23) and fixed the amount of the creditors' claim as of the time when the security was sold. We have apparently laid down the same rule in Re Isaacs, 246 F. 820. No proof was offered showing any term of the agreement under which the 200 shares of stock were held requiring a sale in the event of the bankruptcy of the pledgee or at any particular time, and, indeed, so far as the proof goes, the time of sale was left by the receiver to the discretion of the pledgee.
If, in the circumstances, the brokers here waited too long, it was open to the receiver to apply to the court and obtain an order requiring them to liquidate under section 57h of the Bankruptcy Act, 11 USCA § 93(h). This the receiver made no attempt to do.
It seems quite unreasonable to require a pledgee, as a matter of law, to sell as soon as a petition in bankruptcy is filed. In the first place an adjudication may not follow, and, in any event, either the alleged bankrupt or, if he is adjudicated, his receiver or trustee, may wish to pay the debt and acquire the pledge rather than have it sold in the market if its intrinsic worth is substantial and the market is so narrow as to make a good sale unlikely. Section 57h of the Bankruptcy Act guards against too great delay in liquidation by allowing an application to the court if liquidation is not effected in some of the other ways provided by the section.
The court below speaks about "closing out under the rule." Perhaps only a common practice of brokers is referred to, but, if so, no such practice was proved, and it would certainly have to have the strength of a general custom to be read into the agreement. Nor was any rule established. The only rule even mentioned in the briefs is an unproved rule of the New York Stock Exchange (section 1, chapter 4) which provides in certain cases for closing out contracts between members of the Exchange, without unnecessary delay, in cases where the debtor member is suspended. We cannot take judicial notice of the rules of the Exchange. Moreover, the debtor, Salmon Weed & Co., was not a member. Likewise we are unaware whether such a rule would apply to a case where, as here, the debtor, or his legal representative, left it to the creditor to sell if he "should care to do so." Accordingly the brokers, who have never liquidated their claims, may liquidate them still and prove for the balance unless, by reason of their conversion of the securities, they are liable to the alleged bankrupt for at least an equal amount.
The question whether a pledgee who repledges for a greater amount than his own loan is liable ipso facto in trover or detinue is one over which legal battles have been fought for many years. It is certainly hard to see why such a repledge is not an exercise of dominion over the pledgor's property, so inconsistent with his rights as to amount to a conversion and to justify such actions. The pledgee has used the property as though it were his own and has subjecte the pledgor's interest to an added risk. Yet in England it seems to be settled that such an act is not in itself a conversion and that trover will not lie without a demand and tender of the amount of the original loan and a failure to surrender the pledge. Donald v. Suckling, L.R. 1 Q.B. 585; Halliday v. Holgate, L.R. 3 Ex. 299.
It is difficult to explain why a pledgor may not recover in trover without thender and demand, when there is a wrongful rehypothecation, while he may generally bring trover in case of an unlawful sale of property, subject to a lien or pledge, without the performance of any such condition. Content v. Banner, 184 N.Y. 121, 76 N.E. 913, 6 Ann.Cas. 106; Wilson v. Little, 2 N.Y. 443, 51 Am.Dec. 307; Stearns v. Marsh, 4 Denio (N.Y.) 227, 47 Am.Dec. 248; Feige v. Burt, 118 Mich. 243, 77 N.W. 928, 74 Am.St.Rep. 390; Baltimore Marine Ins. Co. v. Dalrymple, 25 Md. 269; Waring v. Gaskill, 95 Ga. 731, 22 S.E. 659. See, also, Legg v. Evans, 6 M. & W. 40. One cannot see a substantial difference in the risk to the customer whether the broker resells the security or repledges it in a large bank loan. In either event the broker may be able to get equivalent shares of stock for delivery -- in the one case by purchase in the market, and in the other by paying off enough of his bank loan to withdraw the stock. But in neither case would he hold shares certainly available for delivery.
No one can say that a repledge for a greater amount than the original loan, without the authority of the pledgor, is not at least a breach of contract. So it was regarded in Donald v. Suckling, and Judge Cardozo said in Wood v. Fisk, 215 N.Y. at page 238, 109 N.E. 177, that it was certainly that. In Donald v. Suckling, Cockburn, C.J., speaking of such a repledge, said that it did not "put an end to the contract altogether, so as to entitle the pawnor to have back the thing pledged without payment of the debt." Donald v. Suckling, as well as Halliday v. Holgate, rested mainly on the ground that a pledgee has such a special property in the pledge that actions, essentially possessory, will not lie for breaches of the contract without a precedent tender of the debt to the pledgee and failure on his part to surrender the pledge.
While Donald v. Suckling and Halliday v. Holgate, supra, have to some extent been followed in this country, they have on the whole been disapproved and have been much criticized. The courts in Pennsylvania have flatly held to the contrary. Sproul v. Sloan, 241 Pa. 284, 88 A. 501, Ann. Cas. 1915B, 941; Darr v. Fidelity Title & Trust Co., 243 Pa. 591, 90 A. 368; Sterling's Estate, 254 Pa. 155, 98 A. 771. There a sale or repledge for a sum in excess of the original loan is a conversion, and no tender is necessary before bringing an action in trover.
The Supreme Court of Minnesota in King Cattle Co. v. Joseph, 158 Minn. 481, 198 N.W. 798, 199 N.W. 437, held that a repledge was a conversion and that the pledgor could recover the securities from a subpledgee who had taken with notice. A decision of the Supreme Court of Washington is to the same general effect. Vance Lumber Co. v. Fraser Goodwin & Colver, 298 P. 438.
The New York decisions are in some confusion. In Douglas v. Carpenter, 17 App.Div. 329, 45 N.Y.S. 219, the Appellate Division, First Department, held by a divided court that a stockbroker who repledged his customer's securities for a sum greater than his indebtedness was liable in conversion and that no demand and tender were necessary.By a later decision of the Appellate Division, in the same department, also rendered by a divided court, an exactly opposite result was reached. Mayer v. Monzo, 151 App.Div. 866, 137 N.Y.S. 616. Rogers v. Thomson, 215 App.Div. 541, 214 N.Y.S. 193, is another decision of the First Department to the same effect as Mayer v. Monzo, supra. Heaphy v. Kerr, 190 App.Div. 810, 180 N.Y.S. 542, is a later decision of the Appellate Division, Third Department, holding a repledge for an excessive amount a conversion. Whether a demand and tender are necessary before an excessive repledge can be regarded as a conversion has not been decided by the New York Court of Appeals. In Wood v. Fisk, 215 N.Y. 233, 109 N.E. 177, 178, Judge Cardozo discussed the question. He said that a repledge of securities for an amount in excess of the original loan "may have constituted a conversion," but, in any event, was "a breach of contract." That is as far as the Court of Appeals has gone. The wrong arising out of such a breach of contract would be a violation of the implied promise to hold the securities only for the purpose of the contract of pledge. But if the shares of stock were returned there would ordinarily be no substantial damages for the breach. Accordingly the important question in the present case is whether a repledge for an excess amount in itself constitutes a conversion. While the Appellate Divisions have uttered discordant notes and the Court of Appeals has not yet spoken on this precise question, American courts in general, and the New York courts in particular, have been almost unanimous in holding that a sale by a pledgee contrary to the terms of the agreement is a conversion and that trover will lie without a tender or demand. In reason the same rule should apply to a repledge for an excessive amount. This is not the law in England where a demand and tender must be made not only against a subpledge (Donald v. Suckling), but likewise against the pledgee himself even when he has unlawfully sold the pawn. Halliday v. Holgate, L.R. 3 Ex. 299.
In Talty v. Freedman's Savings Bank & Trust Co., 93 U.S. 321, 23 L. Ed. 886, Talty borrowed money from Kendig, who took as security for the loan certificates of the District of Columbia indorsed by Talty in blank. Kendig thereafter, without authority from Talty, sold the certificates to the defendant, a bona fide purchaser, who had no notice of Talty's rights. The Supreme Court held that Talty, the pledgor, could not recover against the purchaser of the certificates without first tendering the amount due on the pledge. Donald v. Suckling, was cited and apparently relied on. The court suggested that the defendant had perhaps acquired complete title to the certificates by estoppel, and referred to McNeil v. Tenth National Bank, 46 N.Y. 325, 7 Am.Rep. 341, where it was decided that a person who had clothed a broker with apparent title to stock by indorsing the certificates in blank and delivering them to him as security was precluded as against a bona fide purchaser or lender from questioning the broker's right to sell or repledge. In the Talty Case the Supreme Court did not defeat the plaintiff because he had transferred to his agent documents indorsed in blank for use for certain purposes, and the defendant, a third party who had innocently advanced money on the faith of the agent's apparent authority, ought not to suffer, but rested their decision on the failure of the pledgor to make a tender. They did this because, as they said, the other point had "not been argued." Yet they were dealing only with the rights of an innocent third party and as that party in the Talty Case had a clear defense on the merits (National Safe Deposit Co. v. Hibbs, 229 U.S. 391, 33 S. Ct. 818, 57 L. Ed. 1241), it may be doubted whether the reasoning of that decision would be followed by the Supreme Court even as to causes of action between a pledgor and an innocent subpledgee or vendee. But, in any event, the issue was only between pledgor and vendee of the pledgee, and it is a long step from a decision in such circumstances to the exteme doctrine of Halliday v. Holgate, 3 Ex. 299 that requires a tender where the action in against the pledgee himself, who has wrongfully sold the pawn. The idea that a pledgee has such a special kind of property in the pledge that nothing he may do can subject him to an action for conversion, unless a demand and tender have been made, originated wholly in the English decisions in the 1860's. Donald v. Suckling required such a tender before allowing trover against an innocent subpledgee, and Halliday v. Holgate supplemented this by requiring a tender before allowing it even against the original pledgee who had wrongfully sold the pawn. All, or at least almost all, the American authorities are against the doctrine of Halliday v. Holgate (Farrar v. Paine, 173 Mass. 58, 53 N.E. 146; Rush v. First National Bank [C.C.A.] 71 F. 102; Dibert v. Wernicke [C.C.A.] 214 F. at page 683), and many of them treat an excessive repledge as a conversion, or the equivalent of a tortious resale. In principle we can see no practical difference between the two wrongs.
There is a special reason for treating a repledge for an amount greater than the original loan as a conversion where as in New York there is a statute (Penal Law N.Y. § 956) making such an act a felony if the broker shall cause his customer loss because of inability to deliver the latter's stock. In Wood v. Fisk, supra, Judge Cardozo suggested that this penal statute might affect the dischargeability in bankruptcy of claims for conversion arising from unlawful repledges which had accrued after the passage of the act. Such claims were afterward held nondischargeable in Heaphy v. Kerr, 190 App.Div. 810, 180 N.Y.S. 542, affirmed 232 N.Y. 526, 134 N.E. 557. Certainly the legislative policy as to rehypothecation by a broker of a customer's stock to secure amounts in excess of his own advances is very clear. Unless consent of the customer is obtained, the transaction is undoubtedly illegal, and if loss ensues it is a felony. How can it be said that it is not a conversion?
There is another reason for holding that a repledge for an amount in excess of the original loan is a conversion. If such a repledge is only a conversion where there is a financial inability to make a tender, a wrongful repledge will rarely affect a solvent broker. He can go merrily on in fair weather using his customers' stocks as capital in his business, whereas when storms arise such unlawful repledges are certain to cause losses to creditors who have given no authority to repledge their stocks beyond the amounts of their own indebtedness. In other words, to impose no liability upon a broker for such unauthorized acts tempts him to risk his customers' property in good times for his own advantage and to make his customers bear his business losses if he becomes insolvent. The most practical way to check such wrongs is by treating brokers who have used their customers' securities without the latter's consent as converters. This on principle they certainly are.
There is nothing in the record to show when the repledge of the stock of Salmon Weed & Co. occurred or what was the value of the stock at the time the alleged bankrupt learned of the conversion. The damages for such a conversion are the highest intermediate value of the stock between the time of the conversion and a reasonable time after the owner has received notice of it. Galligher v. Jones, 129 U.S. 193, 9 S. Ct. 335, 32 L. Ed. 658; Clements v. Mueller (C.C.A.) 41 F.2d 41; In re Swift (D.C.) 114 F. 947; Baker v. Drake, 53 N.Y. 211, 13 Am.Rep. 507; McIntyre v. Whitney, 139 App.Div. 557, 124 N.Y.S. 234. The pledgee is liable for these damages, but is entitled to recoupment to the extent of the amount due upon the loan. In re Kardos (C.C.A.) 27 F.2d 690; Farrar v. Paine, 173 Mass. 58, 53 N.E. 146. If this indebtedness should be greater than the damages recoverable for the conversion, A. L. Scheuer & Co. may prove their claim for the difference.
We have nothing before us to show the confirmation of the composition or a distribution of the fund. But, if the facts are correctly stated in the briefs, we can see nothing to prevent an order of the District Court requiring the bankrupt to deposit the requisite dividend to satisfy any claim that A. L. Scheuer & Co. may be able to prove. In re Everick Art Corp. (C.C.A.) 39 F.2d 765; In re Isidor Klein (C.C.A.) 22 F.2d 906; In re Watman, etc. (D.C.) 291 F. 886. Section 25a(3) of the Bankruptcy Act, 11 USCA § 48(a)(3), clearly allows this appeal, and the contention that the questions raised by it are moot is without substance.
The order of the District Court is reversed, and the proceeding remanded, with directions to allow A. L. Scheuer & Co. to prove their claim, if they desire, in accordance with the principles indicated in this opinion.
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Bioseparation Engineering, Volume 16
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Table of Contents
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United States District Court, N.D. Illinois, Eastern Division
September 11, 2014
NEELAM R. MEHRA, Plaintiff,v.LAW OFFICE OF KEITH S. SHINDLER, LTD., Defendant.
MILTON I. SHADUR, Senior District Judge.
On September 4, 2014 this Court issued a sua sponte memorandum order ("Order") that dismissed the Complaint in this action as barred by the on-all-fours decision in Newsom v. Friedman , 76 F.3d 813 (7th Cir. 1996) - a decision that rejected a claim essentially identical to that advanced in this action. Indeed, the Order was critical of counsel for plaintiff Neelam Mehra ("Mehra") for having been unaware of the Newsom decision, which this Court's quick reference to the volume of U.S.C.A. that included the annotated statute at issue in this case (15 U.S.C. § 1692i(a)(2) ("Section 1692i(a)(2)") found (as the Order said) in less than a minute.
But it turns out that the Order's criticism of counsel was totally unwarranted - indeed, any criticism by this Court should instead have been directed inward: Just two months ago our Court of Appeals, sitting en banc, issued its split decision in Suesz v. Med-1 Solutions, LLC, 757 F.3d 636 (7th Cir. 2014), in which a substantial majority of the court voted to overrule Newsom. So the first order of business for this memorandum order is to apologize to Mehra's counsel, [1] who has called that lapse to this Court's attention by noticing up a motion to vacate the Order for presentment on September 16.
There is no need for Mehra's counsel (or for defense counsel) to appear for that purpose, for the motion is obviously appropriate and is granted. It may be noted, of course, that Mehra's Complaint has spoken only of Section 1692i(a)(2)(B) - the location of Mehra's residence - but it has not identified where Mehra "signed the contract sued upon" (Section 1692i(a)(2)(A)), which the statute makes an equally permissible choice of venue. It remains to be seen whether that location is relevant and could make a difference, but that is for the future.
In the meantime this action will go forward. This Court is contemporaneously issuing its customary initial scheduling order and sets an initial status hearing for 9 a.m. November 3, 2014.
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It's the beginning of the end for major job cuts at U.S. banks, according to Challenger, Gray & Christmas Inc., a firm that advises many of them on workplace reductions. more
By Jenny Surane
Carlos DaCunha is senior vice president of middle market banking at Webster Bank. He specializes in commercial lending with a niche focus on the fishing and solar industries. more
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text:
Applications to be a Student Ambassador Due Today
Friday, February 4, 2011 - 5:00pm
Applications for the 2011-2012 Student Ambassador Program are now available at http://www.pdx.edu/dos/student-ambassadors. These are paid positions. Applications are due no later than 5:00 pm February 4, 2011. Applicants should be outstanding citizens of Portland State University who value the school's mission, want to enhance their leadership skills, and become a spokesperson for the community.
Please contact firstname.lastname@example.com or 503.725.8240 if you have any questions. We look forward to your applications.


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Our Coming Events
The Society 2016 Christmas Meal at The Whitehart Netherfield
Thursday December 15th; ESAS Christmas dinner and raffle. Please see Gloria for details.Menu 1 | Menu 2
Next Meeting :
Thursday 5th January 2017 8pm Start.
Dr. David Mannion FRAS
Subscriptions and AGM
September was the start of the ESAS calendar. The Annual Subscriptions are due in now. Click here for more information
November is our AGM, If anyone would like to help out generally on the committee then please see one of our committee members. At our AGM our accounts are discussed and the Committee resigns and a new committee is voted in, some changes are already taking place so if you can spend a little time for the committee please let us know ASAP.
Click here to see details about our other 2016-17 meetings Speakers
Welcome to East Sussex Astronomical Society
About ESAS
ESAS is a registered charity No. 1110848
Our aim is simple, we want people to enjoy astronomy and feel welcome to join in our activities. We meet on the first Thursday of each month (excluding August) at Egerton Park Indoor Bowls Club, Egerton Road, Bexhill, East Sussex TN39 3HL (How To Find Us).
Our meetings start at 8 pm and take the form of a ESAS and night sky update, then a break for coffee and then the main speaker. In the current venue there is an entrance fee (£2 members/£4 non-members). Each August, in place of our meeting, the Society holds its annual BBQ.
We have members of all ages whose abilities range from beginners to seasoned astronomers. Non members are welcome at our meetings where they will receive a copy of the ESAS magazine, Albedo, and a welcome pack from the Society.
If you would like a copy of Albedo, please click here.
ESAS has it own observatory with a 16" telescope which is available for members use. We also have a range of telescopes which members can use. We hold regular observing sessions and frequent public observing events. In addition to our astronomical activities we arrange a number of "non astronomical" events throughout the year for our members, their families and friends. These include various meals, quizzes and visits.
Whether a member or non member, you will receive a warm welcome at ESAS and there are always experienced astronomers on hand to help and advise you on any issues you may have.
Everything you want to know about the ESAS
ESAS is a member of the Federation of Astronomical Societies, British Astronomical Association and Southern Area Group of Astronomical Societies.
You can find out more about ESAS and our events by visiting our social networking sites at "ESAS on Facebook", "ESAS on Twitter" and "Friends of ESAS" on Facebook.


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Joan Calabrese by Mon Cheri
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text: What type of listing is this? For Sale What are you trying to sell/buy/trade? Panasonic 25mm f/1.4 DG Summilux What are your prices? $350 Where are you located? USA Where are you willing to to ship? USA Description I have a Panasonic 25mm f/1.4 DG Summilux for sale. It is an import from Japan (documentation is in Japanese). The lens is in excellent condition with no damage to the body or glass. Just a FYI - coming from Olympus MSC lenses that are nearly silent on my OM-D E-M10, I was initially surprised to hear that the lens emits a click sound when locking focus, more so with Flicker Reduction on. I contacted the retailer with a video of it, who forwarded it to Panasonic, who confirmed that this is normal and not a defect. Some users on the web have reported the same with their copies of this lens. Here is a video of the click sound: Price is $350 which includes shipping, insurance, and PayPal fees. Per PayPal policies I can only ship to confirmed/verified addresses and a signature will be required for delivery. I ship via USPS Priority Mail to the CONUS with full insurance. I have feedback on eBay (ID: mps80; seller feedback here: http://feedback.ebay.com/ws/eBayISAPI.dll?ViewFeedback2&userid=mps80&ftab=FeedbackAsSeller) and at FredMiranda B&S under riotshield (this lens is also listed there). Feel free to PM with any questions. Thanks! Payment accepted Regular PayPal Shipping method USPS Priority Shipping charge $0 Handling time 1-2 business days References eBay: mps80; FM: riotshield Additional comments Not open to trade offers, Not open to offers below asking price (price is firm), Buyer must have a PayPal confirmed address, Will only ship to the address indicated on PayPal payment Acknowledgement I have read and agree to the Buy and Sell rules.


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Comment: The potential - and perils - of PepsiCo's health kick
PepsiCo CEO Indra Nooyi is eyeing the growth of healthy eating in emerging markets such as China
Dairy, fruit and veg. On the face of it, these products seem a world away from the carbonated soft drinks and crisps that have long been core to PepsiCo's business.
However, the US food and beverage giant is set to make a serious move to grow its presence in the healthier areas of the market.
Last week, the group unveiled plans to set up a business unit focusing squarely on nutrition and targeting sectors that are relatively untouched territory for PepsiCo.
Demand for high-sugar fizzy drinks and salty snacks is on the wane in the West and consumers in emerging markets, particularly in the key middle-class demographic, are also showing signs of wanting healthier variants. For instance, research from our sister site, just-food, shows that India and China will be drivers of the global market for healthier snacks during this decade.
By positioning PepsiCo to focus more on health and wellness, company CEO Indra Nooyi has a better chance of securing the long-term prosperity of the company.
That said, the "nutrition" element of PepsiCo's stable is already a substantial business in its own right. The company claims its nutrition operations, home to brands like Quaker and Tropicana, already generate US$10m in annual sales. PepsiCo's ambition is to triple those revenues in ten years.
Quaker and Tropicana are likely to be key planks in PepsiCo's plan. When PepsiCo announced the creation of the "global nutrition unit" last week, the company's ambitions in dairy, fruit and veg caught the eye. However, the group also included "grains" in its plans and, in Quaker, they have a global brand upon which to build.
In the UK, Quaker is driving PepsiCo's growth as we speak. Speaking to the BBC last week, Richard Evans, the head of PepsiCo's operations in the UK and Ireland, said the brand was among the fastest parts of its business. "If you look at that business the fastest growing parts of it are actually juice and grain and Quaker Oats," Evans said.
PepsiCo's announcement last week was just the latest in a series the company has made in the last 12 months, from the establishment of an R&D facility in the US to "fundamentally improve" the nutritional profile of its products to the creation of new targets to lower the amount of salt, saturated fat and added sugar worldwide.
The company's UK arm made its own announcement this spring that fit the gro up's overall strategy. "In March, we published a health report that said the kind of business we wanted to be by 2020, which is one primarily based around fruit, veg and grain," Evans said. "The reason we're doing that is because consumers want healthier choices."
Of course, any moves to develop a business is a risk - even in what could be deemed to be a company's area of expertise. Last month, PepsiCo UK and Ireland said it had pulled Pepsi Raw, a product that had been billed as a "natural" alternative to Pepsi cola. The company blamed a poor performance in the UK supermarket channel.
There is an inherent risk to innovation and, as PepsiCo looks to build its nutrition business, some products will inevitably fail. But, as Evans told the BBC, perseverance is vital.
"It's about trying. There are loads of products that lots of companies have brought to market and haven't worked. The trick is [to ask] what did you learn from that? We learned that it wasn't differentiated enough versus what we sell every day, so consumers told us in unequivocal terms that that wasn't quite what they were looking for. It's about going back and trying again."
Within the categories PepsiCo is now targeting, there are some well-entrenched players with huge resources. Within dairy, just last week Dutch dairy giant FrieslandCampina announced plans to build a research and development site in the Netherlands to focus on dairy drinks, branded cheese and infant nutrition.
Dairy processors like FrieslandCampina are waking up to the potential of "added-value" categories like dairy beverages and see these markets as vital to their future growth. Competition for the likes of PepsiCo will be intense.
Perhaps joint ventures could be a potential avenue for PepsiCo. The company has already teamed up with Saudi Arabian dairy firm Almarai Co. to target markets in south-east Asia, Africa and parts of the Middle East and the venture has since bought a dairy processor in Egypt and acquired majority control of a dairy firm in Jordan.
However, as with innovation, joint ventures carry an element of risk. Partnerships can turn sour. Moreover, while partnerships like the deal with Almarai positions PepsiCo strongly in certain emerging markets, the US firm's ambition to triple its "nutrition" sales could demand a strategic move on a larger scale.
Sectors: Corporate social responsibility (CSR), Emerging markets – BRIC, Marketing – advertising & promotions, Product launches, Soft drinks
Comment – Soft Drinks & Water - The Tightrope of Celebrity Endorsement
Despite the hopes of drinks companies' finance departments, the days of hiring a celebrity to push a product are still upon us. Richard Corbett looks not only at when a tie-up with a star has gone rig...
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Syndicate Bank Recruitment:
This web page is designed to give you the information of Syndicate Bank Temporary Attenders Recruitment. Applications are invited fromeligible candidates for the post of Temporary Attenders in Visakhapatnam, East Godavari, Vizianagaram & Srikakulam. Candidates download application form in prescribed format through official website of Syndicate Bank that is www.syndicatebank.in & send application form at given below address before 22-10-2016.
Applicants should keep visiting this web page, to acquire Upcoming Jobs in Banking Sector connected to this Recruitment. Eligible and willing applicants who are looking for best Jobs openings should fetch this chance by forwarding the duly filled application via offline channel as early as possible. Job seekers should apply for the desired post as expressed below. Job seekers should ensure that they must be possessing requisite eligibility criteria as indicated below before applying. You can bookmark this page using Ctrl plus D to get up to date info about Syndicate Bank Temporary Attenders Recruitment.
Read Also ->> GK Questions & Answers for Exam & Interview
www.syndicatebank.in Application Form:
More details about Indian Syndicate Bank Temporary Attenders Recruitment like education qualification, vacancy details, salary, age limit, selection procedure how to apply, important date etc are given below:-
बैंक Exam की तैयारी कैसे करे Read in Hindi by Video ->>
बैंक Exam की तैयारी कैसे करे Read in Hindi by Video ->>
Details of Vacancies:
Attenders vacancies at District Panel of
No. of Posts
East Godavari
Total 37 Vacancies
Eligibility Criteria:
Educational Qualification:
Applicants should have passed in 10th standard and candidates should not have passed intermediate or 12th or 10+2 Examination from a recognized board.
Check Here: - 10th & 12th Pass Jobs
Age Limit:
- Minimum age: 18 years
- Maximum age: 26 years as on 01-04-2016.
Age Relaxation:
The relaxation in upper age limit is as follows:-
i) Scheduled Caste/Scheduled Tribe candidates by 5 years.
ii) Other Backward Classes candidates by 3 years.
iii) Persons with Disabilities (PWDs) category candidates (a) by 15 years for SC/ST (b) by 13 years for OBC and (c) by 10 years for General.
iv) Ex-Servicemen by 3 years plus the usual period of service in the Defence Forces subject to a maximum age of 50 years.
v) Widows, divorced women and women legally separated from their husbands and who are
not re-married - Up to the age of 35 years (up to 40 years for members of Scheduled Castes and Scheduled Tribes).
Calculate Your Age for Bank Jobs
Pay Package:
After appointment candidates will get impressive amount of remuneration which will be offered by Syndicate Bank.
Selection Process:
Eligible shortlisted job seekers shall be called for written test to be conducted by respective Regional Office (district wise). Engagement of deserving candidates will be done on the basis of their performance in written test and reservation provisions for SC/ ST/ OBC/ PHs, Ex-servicemen and other categories as per the rules in force.
Important Date:
- Last date of receipt of application: 22-10-2016
How to Apply:
- Visit official website of organization which is – www.syndicatebank.in
- Go on the 'Announcements' section and press on the 'Career' option from the drop down menu of home page.
- Choose "Empanelment of candidates for the post of Temporary Attenders,RO, Visakhapatnam" link.
- Read complete details carefully.
- Take a print out of application format attached below the notification.
- Fill the downloaded application with all essential details in support of academic qualification, experience and age and attach various other particulars as asked with the application.
- Complete application form in all manners should be sent to the address mentioned below.
Postal Address:
"The Assistant General Manager,
Syndicate Bank, Regional Office, Personnel Cell,
Pawan Commercial complex,
Daba Gardens Main Road, 2nd floor,
Visakhapatnam 530020"
For more updates about Syndicate Bank Temporary Attenders Recruitment like as other conditions, application form, selection procedure etc visit below links:-
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According to new figures released by Ukraine government, the outsourcing sector of the country has grown tremendously. The figures released show a growth rate of 30-40% in the sector despite the echoes of financial crisis in European countries. Ukraine, the second largest European country in terms of territory is being largely chosen by number of US and UK companies for their outsourcing needs especially in IT services. In the opinion of industry experts, the IT outsourcing sector in Ukraine has grown over the last 10 years to reach $1 billion in 2011 and is expected to grow further in the coming 5 years.
Ukraine entered the offshore outsourcing market by providing software development services in the early 1990s. Since then, the BPO market in the country has been showing a steady growth as a result of demand from US and UK markets. While IT services remain to be the main source of revenue generation for the outsourcing industry in Ukraine, other BPO projects like, FAO, HRO and KPO have also started to generate considerable revenue for the industry.
Some of the reasons as to why outsourcing companies in Ukraine are reporting good financial growth are discussed below:
- Vast talent pool at low cost: The literacy rate of Ukraine is 98% which is much higher when compared to other offshore destinations. The country's large pool of engineering and IT talents has always been a key factor in attracting foreign investors. Further, these talents are available for the BPO companies at a lower cost. The salaries for the BPO employees in Ukraine are slightly lower when compared to other European BPO destinations.
- Cultural and physical proximity: Ukraine shares similar culture and business values with that of US and other European countries. These prompt companies in US and Western Europe to establish outsourcing links with Ukraine BPO companies. The proximity in physical distance also makes it a favorable near-shore destination for companies in US and Canada.
- Political climate: Favorable political climate in the country is also a reason for the growth of BPO sector. Recently the government as a measure to support outsourcing sector cancelled the VAT for IT outsourcing companies and reduced their employees' income tax to 5%. The authorities are also very keen to invest in infrastructure development activities to attract more foreign investments.
- IP security: Ukraine is a country which has a high respect for intellectual property rights. The country recently upgraded its IP laws making them in par with the laws of other developed nations.
Despite the above mentioned advantages, industry experts see poor language skills of the students in Ukraine as a hindrance to the growth of the sector. However, the authorities are taking appropriate measures to overcome the drawback by linking with outsourcing companies to impart the necessary skills for students required for the BPO industry.
Major outsourcing companies in Ukraine
- Hewlett-Packard: They have set up their IT service delivery center in Ukraine.
- Techno Park Corp: They have set up their software development center in Ukraine.
- CONTACTIS: This leading software outsourcing company has also established their software development unit in Ukraine.
- NIX solutions: They are Ukraine based software development outsourcing company founded in 1994 and is one of the biggest players in the local market.


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August 13 7:00AM
Douglas DC-9-10 (didn't catch the reg #)
We arrived at CMH about 6:00AM, used the e-ticket check-in kiosk, which took a while, but beat standing in the long line for the counter. We headed for security, which had a very long line. Ahead of us were about 4 or 5 people headed to BOS on HP Express. Let's just say I'm glad I wasn't going on the same plane with them... After going through the X-ray machine, my bag was searched- probably beacuse I was "Radio Shack On Wheels"- I had my CD player, scanner, speakers for the CD player, etc. After the security mess, we headed for gate B36, which was B17 at one time. There were a total of four NW jets at the gate area- an A320 to MSP, DC-9-30 to DTW, another DC-9, and our plane, which couldn't be seen. I boarded & headed to seat 13F & got ready for my first flight into MEM. I looked out the window & saw our bags being loaded, which I hadn't seen before.
As the boarding door was closed, the captain came on the PA & said "Welcome aboard Northwest 1927 to Memphis! We're buttoned down, doors closed, and we're ready to go!!" We then started pushback, and then a siren-like noise started. Some of the passengers started looking around, wondering what was going on. Right after that, the engines started, so this must be an indication to the crew that the engines are coming on. Then, when they did, I wondered if they could get any louder! We slowly taxied to rwy 28L & took off. There were a pair of 737s behind us for takeoff- one CO & one US.
We climbed through the haze to FL 310, and got an announcement from the F/As that I guess was saying we could use portable electronic devices, but it was really indistinct & there was a lot of feedback. I noticed my head was higher than the top of the seats, which were a little worn, but still comfortable. As time went on, it got cloudy & a little bumpy. It got worse as time went on, as our enthusiatic captain mentioned, "We've hit the bumpy part." He wanted to descend & after a while, it paid off. Finally we made our way into MEM, where it looked like rain. We had to make some hard turns, to help the traffic flow & avoid some of the weather. On final approach, I saw another DC-9 fall into the pattern behind us. Finally, we landed, which was a pretty noisy process, and taxied to gate B22. We deplaned, and I tried to see the reg. # from the terminal, but couldn't. MEM's an OK airport, but it could be redone on the inside. We went to the food court, got something to eat, and went to gate B26 for:
Northwest 954 MEM-MCO
August 13 9:10am (CDT)
Photo © Pierre Lacombe
Photo © Keith D. Kinman
By this point, I was really tired. This plane, like all of the other recent DC-9 flights I've been on, had the new interior. The F/A said that the flight would be 1 hour, 37 minutes, and "WorldPerks members will earn 6XX miles on today's flight."
We pushed back & taxied to the runway. There was a loud noise during pushback- I wonder if we used the thrust reversers to back out. This was a quieter plane, but still kinda loud. We took off & I slept for about 30 minutes, until my brother woke me up for drink service. Same as last time- drink & Biscoff. It was pretty smooth at first, but there were a few bumps in the middle of the flight. We went up to FL 330, as was mentioned by our female F/O. We then began descent & touched down a little early, on the same runway we departed MCO on last year, going the other way (18L).
I was REALLY impressed by the Antonov AN-124!
Photo © Sven De Bevere
It was parked on the right side of the Rwy., near the CO maintenance building, sitting next to two green and white 767-300s, with Arabic markings on the tails. Was there some event in MCO that they'd be attending?
Anyway, we taxied to gate 36. There were also UA A320s & a 757, a US A320, 737 & 757 at the terminal when we left. We got our rental car (A Chrysler Sebring Convertible!!) and headed for Daytona, for a week of sun, sand, and an ERAU visit.
I'll do a report on the return trip later today.


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Yah great idea I've been having withdrawal symptoms!!!
Yah great idea I've been having withdrawal symptoms!!!
BlondeinBrisvegas (23-09-2016),Blossom74 (24-09-2016),faithandhopellove (23-09-2016),Grace1 (23-09-2016)
It can seem really overwhelming at first Luv when you see all the drugs/needles and imagine the whole scenario in your mind so it's totes understandable you had a moment where you got "cold feet"
Not to worry Luv, after the first couple of days or so of jabbing you'll be an old pro!!!! It won't be nearly as bad as you imagine ok?? It's normal to feel nervous etc, just take your time and a few deep breaths and you'll be right
Anything you're not sure of, ask us in here or call your nurses at your Clinic. Youtube also have some good clips on mixing Menopur etc too if you want a refresher course
Congrat's on your settlement too and enjoy every last drop of your Veuve!!!
Blossom74 (24-09-2016),faithandhopellove (23-09-2016),Grace1 (23-09-2016),Spazzyp (24-09-2016)
This weekend is hopefully decision weekend to decide on a donor.
BlondeinBrisvegas (23-09-2016),Blossom74 (24-09-2016),Btae (25-09-2016),faithandhopellove (23-09-2016),Grace1 (23-09-2016),Tahli (24-09-2016)
Blossom74 (24-09-2016),faithandhopellove (23-09-2016),Grace1 (23-09-2016)
Girls....I'm off early tomorrow morning to drive up to the Central QLD area where my Mum used to live with my Stepfather to sort out the rest of her stuff with my younger sister and her DP as our SF is moving out of the house and in with his new Partner (that's a whole other story I have no wish to get into ).
Anyhoo...My Ex is coming with me to give me a hand packing stuff as well as to help with DD thankfully as without him there I'd get nothing done having to look after her on my own!!!
I won't be back until late on Sunday so just wanted to let you all know I'll be checking the thread when I can but probably won't get time for personals but shall "like" posts instead so you all know I've been in
Hoping you all have a beautiful weekend ahead!!!!! xoxoxoo
I'm PUPO ladies!!
ange1111 (26-09-2016),AnnaMM (25-09-2016),Billie2 (23-09-2016),BlondeinBrisvegas (23-09-2016),Blossom74 (24-09-2016),Btae (25-09-2016),Caesardust (24-09-2016),calypso75 (24-09-2016),Charlie74 (23-09-2016),faithandhopellove (23-09-2016),Gagingi (27-09-2016),Grace1 (23-09-2016),infinity888 (24-09-2016),Lolly99 (24-09-2016),midnite01 (23-09-2016),Minniemin (24-09-2016),Molros (24-09-2016),Rhino (27-09-2016),skeeter (24-09-2016),tuxcat (23-09-2016),winsor (25-09-2016)
BlondeinBrisvegas (23-09-2016),Blossom74 (24-09-2016),faithandhopellove (23-09-2016),Grace1 (23-09-2016),winsor (25-09-2016)
Blossom74 (24-09-2016),faithandhopellove (23-09-2016),Grace1 (23-09-2016),Tahli (23-09-2016),winsor (25-09-2016)
Blossom74 (24-09-2016),faithandhopellove (23-09-2016),Grace1 (23-09-2016),Tahli (23-09-2016)
Pregnant for the first-time?
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Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!


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STORE IT (nw) ltd
house moving, Self storage, storage units
Industrial Storage Containers. Established and respected enterprise offering affordable, flexible and low risk self-storage solutions to a wide range of commercial and domestic clients. Benefits of a industrial units. No Business Rates to pay. No complicated or legal leases to sign. Free use of pallet trucks and trolleys. Fork lifting service available. Easily located stores with main road access. Free parking and large loading bays. 24hr digital CCTV, perimeter fencing. 10 foot, 20 foot, and 40 foot containers available, as well as 20 foot and 30 foot open storage spaces. How Container Self Storage Compares. Containerised self-storage offers many benefits over other methods such as warehouse storage – view the comparisons below. Great value - It's typically less than half the cost of well-known warehouse self-storage operators. Easy loading - Drive your vehicle to the door of your storage container unit for easy loading and unloading. Extensive opening.
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Storage container hire in the preston area
open storage for Caravans, Campers, Boats etc..
Short term,long term storage available, 10foot,20foot,30foot,40foot containers available, Contents insurance provided on request, FREE van hire available to move
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Imitation wood products by the market favor, Power Dekor follow the "imitation wood" line, more real wood texture of their products, avant-garde style, personality, become the new market and value growth. First, the structural characteristics deck cost per square foot calculator of the surface in 2008 to become the largest value-added point: 1 hand-carved wood flooring on behalf of the latest design and technological achievements of hand carved wood products.
can create a variety how much does a 200 sq foot duxxbak deck cost of synchronization embossed antique flooring, in particular, can suppress the characteristic surface treatment has the effect of arts and crafts, this process cost to install tongue and groove front porch requires relief process products, plate technology, extremely stable base are in a uniform state can be achieved.
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Casa de la Condesa by Extended Stay Mexico
Select your stay dates to check availability at Casa de la Condesa by Extended Stay Mexico
Casa de la Condesa by Extended Stay Mexico
About the Hotel
Property Location
With a stay at Casa de la Condesa by Extended Stay Mexico, you'll be centrally located in Mexico City, convenient to Cibeles Fountain and The Angel of Independence Monument. This hotel is close to Monumento a los Ninos Heroes and Castillo de Chapultepec.
Make yourself at home in one of the 27 air-conditioned rooms featuring flat-screen televisions. Complimentary wireless Internet access keeps you connected, and cable programming is available for your entertainment. Private bathrooms with showers feature complimentary toiletries and hair dryers. Conveniences include phones, as well as laptop-compatible safes and desks.
Pamper yourself with onsite massages or take in the view from a rooftop terrace and a garden. This hotel also features complimentary wireless Internet access and tour/ticket assistance.
Satisfy your appetite at the hotel's restaurant, which serves breakfast, dinner, and brunch. Dining is also available at a coffee shop/café, and room service (during limited hours) is provided.
Business, Other Amenities
Featured amenities include dry cleaning/laundry services, a 24-hour front desk, and multilingual staff.
Hotel Facilities
- Dry cleaning/laundry service
- Laundry facilities
- Free breakfast
- Tours/ticket assistance
- Number of buildings/towers - 1
- Total number of rooms - 27
- Free WiFi
- One meeting room
- Coffee shop or café
- Rooftop terrace
- Restaurant
- Safe-deposit box at front desk
- Elevator/lift
- 24-hour front desk
- Luggage storage
- Garden
- Multilingual staff
Room Facilities
- Air conditioning
- Hair dryer
- Free WiFi
- Daily housekeeping
- Soundproofed rooms
- Cable TV service
- Turndown service
- Cribs/infant beds available
- Phone
- Desk
- In-room safe (laptop compatible)
- Free toiletries
- Microwave (on request)
- Shower only
- Iron/ironing board (on request)
- Flat-panel TV
- Private bathroom
- Coffee/tea maker
- Rollaway/extra beds (surcharge)
- Room service (limited hours)
Hotel Policy
Know Before You Go
- Reservations are required for massage services. Reservations can be made by contacting the hotel prior to arrival, using the contact information on the booking confirmation.
The following fees and deposits are charged by the property at time of service, check-in, or check-out.
- Early check-in fee: MXN 400
- Rollaway bed fee: MXN 200 per stay
The above list may not be comprehensive. Fees and deposits may not include tax and are subject to change.Show all hotel policy Show less hotel policy


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Matchup: Boston Red Sox vs. New York Yankees
Date/Time: May 31st, 7:05 PM ET
Television: MLB Network
MLB Betting Odds from BetOnline Sportsbook
Probable Starters: Lester (Boston) vs. Sabathia (New York)
Moneyline: Yankees -115
Total: 8
For the second time this season, the Boston Red Sox and the New York Yankees are going to be engaged in MLB betting warfare. The Bronx Bombers dropped two of the first three meetings of the season, but they are going to be out for blood on Friday night in the first of this three-game set at Yankee Stadium.
Boston has gotten back on its high horse and has won five of its last seven games to comfortably take a lead in the AL East. Winning this series would be crucial, as it would not only ensure that the lead in the division would still be safe, but it would give the team some breathing room as well. LHP Jon Lester is going to get the ball in his hands to start things off on Friday night, and Red Sox Nation has to like the sound of that. The team is 8-3 in Lester's 11 starts this year, and the southpaw himself is 6-1 with a 3.34 ERA. Lester has struggled a bit of late, allowing 10 runs, nine of which were earned in his last two starts, covering 13 innings of work. Lester really labored six days ago versus the Cleveland Indians. He threw 124 pitches over seven innings. Lester didn't get the win, but he did put his team into a position to capture the game in the late innings.
This is a big day for the Yankees, as they are going to be getting both of their starting corner infielders back. 1B Mark Teixeira and 3B Kevin Youkilis both had good rehab stints in the minors, and they are both expected to be back in the lineup for the start of this series. The timing is good as well, as the Yankees were whipped in four games by the hated New York Mets for four games, sending them on a five-game losing streak. That streak started when LHP CC Sabathia was roughed up by the Tampa Bay Rays five nights ago, and he is going to be the man that hopes to stop that streak on Friday night. Sabathia is only 4-4 on the season, and his 3.96 ERA makes him look incredibly mortal. Granted, the team hasn't helped him out any, as only averaging 3.6 runs per game of support isn't going to cut it. Still, Sabathia has allowed at least four runs in five of his 11 starts this year, and he doesn't seem to have the same sort of stuff that he had two or three seasons ago. This could be the beginning of the end for CC.
All that said, we still think that the Yankees are the right play on Friday night. The Red Sox are playing over their heads right now, and they should be bigger underdogs than this. This is a game that New York wins more often than not, if for no other reason, its lineup is in a heck of a lot better shape than it was a few days ago.
Boston Red Sox @ New York Yankees Pick: New York Yankees -115


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Overseas spot gold was seen trading at $1,700 an ounce.
Gold on MCX for February delivery opened at Rs 31,211 per 10 grams, and was seen trading at Rs 31,280 per 10 grams at 2.10 pm IST. AHMEDABAD spot gold on MCX was seen trading at Rs 30,850 per 10 grams.
Silver futures were seen trading at Rs 62,501 per kgs, higher by Rs 61.
While investors eye non-farm payrolls data later today, and next week's Federal Reserve policy meet.
Delhi spot gold of 99.9 and 99.5% purity rose and was seen at Rs 31,510and Rs 31,310 per 10 grams, respectively.


text:
Formal IT training is essential to any IT department, because only with training can personnel continue to stay on top of new technologies.
There are benefits to proper training, including reduced unplanned downtime, shorter maintenance periods for upgrades and installs, and even a boost to morale for IT staff.Use TechRepublic's IT Training Policy as a template to create your own company's policy and to define what the parameters are for acceptable training and what is available to employees. It's important to define in advance what types of training are covered, at what level, and what is not covered.
The IT Training Policy includes details on the type of training allowed, who is eligible for training, items required during training, IT department approval process, and whether exams and certifications are included.Download TechRepublic's IT Training Policy. It's free to TechRepublic Pro subscribers, or can be purchased by non-subscribers.
Full Bio
Teena Maddox is a Senior Writer at TechRepublic, covering hardware devices, IoT, smart cities and wearables. With a background in fashion writing at People and W magazines and WWD, she ties together the style and substance of tech.


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"Elisa Baciocchi" in charming old palazzo
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Description from the manager
Description from the manager
Bedrooms: 2/
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Type: Apt. / Condo
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text: The Atelier Gourmand was opened by a couple nearing retirement who have already won and kept Michelin stars in other establishments. Unfortunately, they appear to be coasting just a little on their experience and reputation. All told, not a bad experience, but one can do better elsewhere not too far away.


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While we offer free shipping on everything we sell, it may be necessary for you to upgrade your shipping method according to our schedule above to get your order in time for holiday giving. Orders with free shipping are sent via US Postal Service's First Class Mail, which is not time-definite.*
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We want to do everything we can to get your gift to you on time.
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Track the status of your Swiss Knife Shop order at any time for up-to-date information about your order and a quick link to track your shipped order.
Click the "Order Status" link under "My Order" at the bottom of any page on our site.
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We make every effort to respond within one business day. However, if you have an time-sensitive inquiry we recommend that you telephone us between 9 am - 5 pm (ET).
Our goal is complete customer satisfaction with your purchase. We offer free, no hassle returns for 90 days after purchase.
If you would like to make a return or exchange, please review our complete Return Policy and contact Customer Service for a Return Merchandise Authorization (RMA), and to request your prepaid return label.
Returns sent to us without an RMA number on the outside box will be returned to sender.
Please Note: For a full refund or credit, items must be returned in resalable condition, including all parts, and with the original product packaging intact. Items returned with missing parts or not in original product box will incur a minimum restocking fee of 15%.
Sorry, but we cannot take returns on engraved items unless we have made an error in the engraving.


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BA/Iberia30 Sep 2009
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British Airways hopeful of clinching Iberia merger
Willie Walsh, chief executive of British Airways, on Wednesday said that his carrier hopes to seal its planned merger with Iberia before the end of the year and is ready to simultaneously bid for BMI.
However, Walsh clarified that he would walk away from the Iberia deal if BA doesn't get a minimum stake of 53% in the enlarged business.


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The results of the 2016 presidential election have left many people in shock and disappointment. In a time where people are fearing that a new administration will work to reverse much of the progress made in the last eight years, we are left wondering what the future holds. How do we continue to fight against climate change, fight for reproductive rights, LGBTQ protections, and racial and economic justice? Read more →
30 posts categorized "Eboo Patel"
Throughout this election cycle, we've seen the rise of the radical right reminiscent of the pull of ultraconservative organizations from the past; increasing calls to prevent new immigrants from entering our country; increased calls to improve gun control legislation; a resurging wave of religious intolerance against Muslim Americans; and nationwide protests imploring racial justice and economic progress. These issues and others that have made headlines in the news have become focal points in this year's presidential debates. To help inform the conversation about these topics, we're recommending a list of titles from our catalogue. Read more →
Islamophobia has reared its ugly head again. As author and journalist Linda K. Wertheimer noted in her previous post, education about world religions couldn't be more important in today's climate. Education about other religions comes not only from the classroom, but also from the life stories of others. In his book Acts of Faith, interfaith leader Eboo Patel writes about the time he spent with his devout Muslim grandmother in India. In this excerpt, he recounts the invaluable lesson his grandmother gave him in what his faith stands for. Read more →
Eboo Patel writes about a James Baldwin essay that helped guide him as an activist and writer. Read more →
We have found words of comfort and valuable analysis from our authors in the days since the Marathon bombings. Read more →
On the anniversary of King's death, Eboo Patel looks at his work through the lens of interfaith cooperation. Read more →
Eboo Patel addresses violent protest and religious intolerance: "the actions of a thuggish few are increasingly viewed as representing the sentiments of entire nations and religions." Read more →
We all have stories to tell. Chris Stedman reflects on how Eboo Patel inspired him to begin sharing his own story, and how Patel's new book Sacred Ground can inspire others. Read more →
A new book by Eboo Patel, author of Acts of Faith and founder of the Interfaith Youth Core, puts forth a vision for America based on interfaith cooperation and pluralism. Read more →
"In the history of the world, I don't know if anyone has ever been truly convinced of anything when staring into a shaking fist or a wagging finger. " Read more →
The controversy over Lowe's pulling its advertising from All-American Muslim says a lot about the kinds of bridges being built in America. Read more →
"Until then, the Quran for me was a book of personal spiritual guidance, a convening symbol for my religious community. But after 9/11, I viewed it as a balm for my country's pain," Read more →
The Unitarian Universalist Association's Common Read program has selected Acts of Faith: The Story of an American Muslim, the Struggle for the Soul of a Generation. Read more →
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Packers' Rodgers part of Golf Channel series
Packers quarterback Aaron Rodgers is among three current NFL quarterbacks and one former NFL running back who is part of a football-themed "Playing Lessons" series set to air on the Golf Channel.
Each episode will air on Tuesday following an NBC "Sunday Night Football" telecast. The show featuring Rodgers is scheduled for 7 p.m. Tuesday Oct. 11. The Packers play at Atlanta on Oct. 9 on "Sunday Night Football."
NBC and the Golf Channel are both part of the NBC Universal.
The episode with Rodgers was taped on July 12 at Edgewood Tahoe Golf Course in Lake Tahoe when he was there to compete in the American Century Championship.
Cowboys quarterback Tony Romo will be featured in the first show on Tuesday. The Cowboys play at the New York Jets on Sunday. Falcons quarterback Matt Ryan will be featured Sept. 20 (Philadelphia plays at Atlanta on Sept. 18).
Former Pittsburgh Steelers running back Jerome Bettis (along with his former coach at Notre Dame, Lou Holtz), will be featured on Sept. 27.
In each episode, PGA Tour pro and Golf Channel analyst Brandel Chamblee plays a round with the featured guests while Chamblee offers tips and talks to them about strategy and course management.
- Sports-talk radio finds a home in Milwaukee
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- Brett Favre saw Aaron Rodgers' confidence back when
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- Game day TV cameras don't find coach Mike McCarthy an irresistible force
- Businessman Steve Ballmer scouted Milwaukee and Bucks before Clippers became available
- Fox NFL game analyst John Lynch sees Packers as 'a team on the uptick'
- Actor Bill Murray explains his abiding connection to the game of golf
- Broncos finish first in this year's popularity contest for NFL teams
- Eddie Lacy is NFL marketing double threat: 1st in bobbleheads, 29th in jerseys


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Submitted by Gene Pelham on Wed, 07/01/2015 - 00:00
I am always amazed at how quickly times change and technology advances, especially in the financial world. We've come so far from those paper-laden, time-consuming days and truly improved our efficiencies along the way. New issues have been brought to light and resolved, only to repeat the cycle as time marches on. Some of the biggest buzz lately has been around the mobile wallet; taking our long-time trusted cash and coins and replacing them with a digital representation, or in other words… a Mobile Wallet.
Submitted by Gene Pelham on Mon, 06/01/2015 - 00:00
Summer has finally arrived, and I am excited about all the opportunities we have to actively engage in life here locally, as we enjoy our beautiful home. From the natural beauty and outdoor options available, to all the exciting activities and events, there's always something to do in the summer in Southern Oregon. Check out Travel Oregon's Uniquely Rogue site to see a series of great videos on all the fun things to do in Southern Oregon.
Mark is an Oregon native and has lived in the Rogue Valley since 1969. He attended high school in Phoenix Oregon and graduated from SOU (then SOSC) with a Bachelors degree in Accounting in 1990. He and his wife Barbara enjoy supporting University of Oregon football and traveling to away games whenever possible. Mark's hobbies include hunting, fishing and hiking. He has served as a Board member of the Children's Advocacy Center, and supports local efforts to improve healthcare by actively engaging in fundraising.
541.858.7328 - 800.856.7328


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Rkings Motors Inc
5317 Veterans Memorial Dr Adamsville, Alabama 35005(205) 674-1777
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AboutRkings Motors Inc is located at the address 5317 Veterans Memorial Dr in Adamsville, Alabama 35005. They can be contacted via phone at (205) 674-1777 for pricing, hours and directions.
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Should have done a frequency plot
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Frontier Gear 200-50-9004 Grille Guard Ford F150 (2009-2013)
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March 29, 2007
RUDOLPH ROSSI, PLAINTIFF,v.GLENN GOORD, COMMISSIONER OF THE DEPARTMENT OF CORRECTIONAL SERVICES, ET AL., DEFENDANTS.
This matter comes before the Court following a Report-Recommendation filed on February 22, 2007, by the Honorable David E. Peebles, United States Magistrate Judge, pursuant to 28 U.S.C. § 636(b) and L.R. 72.3(c) of the Northern District of New York. Report-Rec. (Dkt. No. 115).
Within ten days, excluding weekends and holidays, after a party has been served with a copy of a Magistrate Judge's Report-Recommendation, the party "may serve and file specific, written objections to the proposed findings and recommendations," FED. R. CIV. P. 72(b), in compliance with L.R. 72.1. No objections have been raised in the allotted time with respect to Judge Peebles' Report-Recommendation. Furthermore, after examining the record, the Court has determined that the Report-Recommendation is not subject to attack for plain error or manifest injustice.
Accordingly, it is hereby
ORDERED, that the Report-Recommendation (Dkt. No. 115) is APPROVED and ADOPTED in its ENTIRETY; and it is further
ORDERED, that Plaintiff's Motion for reconsideration (Dkt. No. 110) is GRANTED, and
Plaintiff's excessive force claim against Defendants Kobelt, Freer and Rankin is REINSTATED, subject to the understanding that the portions of Plaintiff's claims related to the ensuing misbehavior report and disciplinary finding from July of 1999 were properly dismissed, and are therefore not reinstated herein; and it is further
ORDERED, that the Clerk serve a copy of this Order on all parties.
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