text:
Love travel experiences? Help us by sharing your travel habits. Please take this 5 minute survey.Take the survey!
Great 9.1/10
The focus of the retreat week will be on you (the individual) making it ideal for anyone who is interested in bringing more love into their relationships, whether it is your relationship with yourself you want to deepen, or with your partner, spouse, work colleagues, friends, or family or you simply want to feel happier and more fulfilled in your life. This is the retreat that will help you find a loving connection to the whole of life. There will also be plenty of time too for relaxing by the pool and just being.
The accommodation are based on single en-suite and shared en-suite rooms. The shared twin room option is only for people who already know each other.
During the workshops you will be exploring how to connect with love to yourselves and others. You will explore how your choices so often come from a place of fear and turn them around into love so that you can radiate true joy with inner confidence into the world as you realign yourselves to a new happier and more satisfying life. You will participate in a love circle where you can experience the giving and receiving of true unconditional love. This can be an incredibly moving experience and allows you to really feel and embody the power of loving connection. The workshops will help you to understand yourself and others better and give you tools and techniques so that you can connect and communicate with others more deeply and lovingly and create lasting love, understanding and fulfillment in your life.
The workshops will be interactive, revealing, fun and uplifting.
As always the retreat has morning yoga classes, a beautiful start to the day, with your wonderful yoga teacher, Yair. Yoga fundamentally supports your detox on all levels, especially in the practice of being present while in movement. In the evening before bed, Detox International offers meditation for anyone who wishes to join. In place of the individual nutrition consultations which they have on the other retreats, everyone will be offered an individual session with Marianne or Midi (included in the price of the retreat).
Detox International recommends that first time detoxers to chose one of our foundation Mind / Body Detox retreats as their first experience if new to detox because understanding the healing power of a healthy diet is so important and they can't cover this fully on this retreat week.
Acupuncturist and yoga teacher
Yair Sagy is a native of Israel and together with his wife, Ziza, runs a successful holistic centre in Lanjaron, Spain. They are both on site during the detox weeks and their combination of powerful therapies and healing hands is an excellent complement to the detox programme. In 1992 Yair graduated from the Five Branches Institute for Traditional Chinese Medicine in Santa Cruz California and in 1995 he went to China to study Qi Gong and herbology. He now teaches Yoga and Qi Gong and treats patients using Acupuncture, Chinese herbs, Shiatsu and Massage.
Body Mind Acupuncture with Yair's system of Acupuncture is unique in its diagnosis methods and applications. In order to diagnose, Yair examines the electromagnetic field (Aura) around you as well as the energetic state of the 7 main energy centers (chakras). Each of these centers reflects your mental, emotional and physical health. When those centres are balanced and healthy, they will radiate beautiful light, when there is a blockage the energy will appear shrunken and deformed.
Reflexology and foot reading
Ziza Fernandes Sagy runs a successful therapy practice in Lanjaron, Spain with her husband Yair. Their combination of powerful therapies and healing hands is an excellent complement to the detox program.
Nutritional therapist, BSc, Dip ION; Kinesiology; QXCI Bio-Resonance; strategic intervention, relationship and marriage educator; raw food chef
Marianne Callaghan is originally from Hungary and qualified as a Clinical Nutritionist at the London based Institute of Optimum Nutrition over 20 years ago. Since then she has run successful Nutritional practises in Canterbury (UK), Europe, North America and the Caribbean and lectured at the International Conference for Alternative Therapies.
She firmly believes that anyone can achieve optimum health through a holistic approach: detoxification, proper nourishment and letting go of old patterns. In her therapy work, Marianne also uses the wonderful tool of kinesiology (muscle testing), QXCI Bio-resonance and vibrational remedies.
For Detox International, Marianne supports many of the Mind / Body Detox Retreats. She has also recently qualified in the Tony Robbins – Chloe Madanes's Strategic Intervention Method and Relationship and Marriage Educator. In this context she will be leading a new Detox & Relationship Retreat with this life changing material in July 2015 in Portugal.
D.N.Med, D.Iridol, Dip PCouns, D.Th.D
Nutritional therapist, progressive counselor, natural spiritual healer and founder of Detox International
(Midi Fairgrieve is a member of the Federation of Nutritional Therapy Practitioners, Associate member, SRMHC)
Midi is originally from the Scottish Borders and worked in Radio Broadcasting before changing direction in 1990 to study natural health and healing. She gained professional qualifications in Nutritional Medicine, Dietary Therapeutics and Iridology from the Plaskett College of Nutritional Medicine in London with Professor Lawrence Plaskett. Finding that complete healing needs a truly integrated approach she continued to train in other therapies, gaining qualifications in Progressive Counselling and Natural Spiritual Healing at the Self-Realization Meditation Healing Centre in Somerset, England.
"My experience with clients continues to show me that understanding the mind / body / spirit connection is the most important part of the healing process"
Her experience of working with both cancer and infertility with specific detoxification regimes has given her profound insights into the power of detoxification and inspired her to create a programme which is uniquely holistic in its approach. This was the inspiration for creating Detox International, where people could come and retreat for a week, detoxify, nurture their bodies, hearts and minds and be supported to find better health and happiness. Midi's personal experience of overcoming infertility using nutrition and detoxification has increased her passion for working with clients to regain the best of health.
This retreat will take place at Monte na Luz, Algarve, Purtugal. Monte na Luz means mountain in the light and is in the heart of Portugal's Algarve region, situated up in the hills between olive, almond and carob trees with views of the sea and the surrounding hills. It's also a lovely place for walking and simply being.
Complementary therapies.
Please book your flight to arrive at Faro Airport (FAO). Transfer from and to the airport is included. The organizer will pick you up from the airport.
"I am still coming to terms with the transformation that took place for me and can't quite believe how a week can change your life so profoundly."
Detox International website, edited
"In 2004 I read an article in a local 'Natural Health' magazine about a life changing Detox retreat in Spain. I made inquiries, spoke to Midi and before I knew it I was booked for January 2005. 9 years on I have just returned from Cortijo Romero following my 7th retreat with Midi and her team. It never ceases to amaze me how powerful a Detox week can can be, how deep the healing goes and the breadth of insight and ideas that can be reached during the process. Each retreat has been very different for me depending where I am in my life. They have helped me with skin conditions, bowel conditions, physical miss-alignment, life decisions, managing stress and managing major life events in particular family bereavement. I wholeheartedly recommend it to anyone whatever your situation. Midi, you and your team once again have supported the group with a wealth of knowledge, experience, professionalism, care and insight. I look forward to the next one once I have processed all that happened last week and put it into practice. Once again, big thanks and much love."
Detox International website, edited
"Quite simply you are saving lives and helping people find themselves. This week has totally blown my mind! I can't believe how well I feel physically and mentally. Spiritually I feel so alive! Thank you all for this wonderful healing journey – I'll be back!"
Detox International website, edited
"It is so hard to put into words how I feel about the week I have spent here. In the past I have felt guilty about doing things just for myself but this experience has made me realize how important it is to look after me! I will be back next year!"
Detox International website, edited
"Thank you so much for an amazing experience. I've felt well looked after all the time and have been truly astonished by the detox process (and somewhat revolted!). This has been brilliantly combined with yoga and treatments which have been a blessing for both mind and soul."
Detox International website, edited
"What a brilliant week! A privilege. Thank you to everyone here who made it possible. I have got so much out of it."
Detox International website, edited
"From the cynics to the cynics ' 'suspend disbelief.' You will never imagine that you will get through this on the eve of your first night here. But you will. The body is amazingly compliant and the mind much more resilient than I ever imagined. Yet the best is still to come. You will feel amazing – in a very personal way! The healing your body needs, it will take strides towards achieving over the 7 days. An incredible 'lightness of being.' Finally you, like me, will believe – and it may even change the rest of your life (not least your diet!). Good luck, the journey is worth it!"
Detox International website, edited
"Thank you for such an inspiring and enjoyable experience, life changing? Probably. I'm off to cancel my BUPA subscription and put the money saved towards coming back next year. Thanks and love to you all."
Detox International website, edited
"I hope and think this week has been life changing for me. I have learnt so much about food, nutrition, health, relaxation, balance. I cannot thank you all enough."
Detox International website, edited
"What a fantastic week! The mix of venue, people and the juices has been superb. We'll be back. Thank you and lots of love."
TripAdvisor website, edited


text:
Zhang Ziyi (born 9 February 1979), sometimes credited as Ziyi Zhang, is a Chinese film actress and model. Chinese media have called her one of the Four Young Dan Actresses in China's film industry, along with Zhao Wei, Xu Jinglei and Zhou Xun. Her first major role was in The Road Home (1999). She achieved fame in the West after leading roles in Crouching Tiger, Hidden Dragon (2000), Rush Hour 2 (2001), House of Flying Daggers (2004), and Memoirs of a Geisha (2005). She has been nominated for three BAFTA Awards and a Golden Globe Award. Zhang was born and raised in Beijing, to Zhang Yuanxiao, an accountant and later economist, and Li Zhousheng, a kindergarten teacher. She is very close to her older brother, Zhang Zinan.
Contributions by Jkw2nd, Mochigirl, and Lao Wai.

subset: commoncrawl


text:
This business has 2 Truck and 2 Trailers 53' refrigerated that transport diversities products of their customers from MIA - FL to North Estates, and then return with other merchandise from same customers or differents Refrigerated or not, from North Estates back to MIA - FL. Owner has 3 principal active customers (80%) recurrent and regularly twice a week delivery service to North. And some customers back that he (owner) has to complement by phone or online. The product has a high demand. The business is profitable and very easy to manage and customers very loyal with over 18 years with company. Could add more trucks and expand. No advertising at all. The sale includes 2 trucks 2003 with their respective 53' trailer attached.
Financials (USD)
Asking Price $445,000
Sales $603,200
Profit $207,300
You May Also Like
Profitable Moving & Storage Co. #455637 posted Oct 11, 2016
- Jacksonville, Florida, United States
- $125,000
Profitable, established moving and storage company in the heart of the fast growing NE FL market. Most moves are local with some intra-state and interstate. Centrally located storage facility. Solid referral base and good ratings on the major business referral web sites as well. Generates a significant...
Established Moving and Storage Company #454368 posted Sep 21, 2016
- Saint Lucie County, Florida, United States
- $600,000
An interstate agent of Wheaton World Wide Moving, one of the best-known carriers in the industry, and this affiliation allows us to travel easily across a service area unparalleled in size- taking you where other moving companies can't. Our moving company is family owned-and-operated, giving us a personal...
37 Year Old Moving & Storage Company #383404 posted Jun 12, 2015
- Palm Beach, Florida, United States
- $120,000
This Moving Company has served S. Florida for 37 years providing superior local and long distance service, competitive pricing and most importantly, expert care of household goods. Aside from carefully packing belongings and moving furniture, they are also piano experts and handle artwork and antiques...
Did you know that social networking is a great way to buy a business? Sign up now and we'll show you how.
Suggested Searches
Disclaimer: MergerNetwork has not independently verified any of the information in this listing and makes no warranty as to its accuracy or completeness.


text:
Check in from 14h / Check out prior to 12h
Sogiorka: Find photos, reviews, information, amenities and compare prices for 3 stars hotels in Hersonissos, Greece.
Sogiorka offers 3-star accommodation in Hersonissos. It features an outdoor pool and a swimming pool.
Hotel description
The property provides a 24/7 reception, plus 24-hour room service and a tour desk. For added convenience, it offers internet, a safe and a garden.
Hersonissos's popular attractions are within close proximity to Sogiorka, with Aquaworld Aquarium only metres away. Guests can also enjoy an easy stroll to Piskopiano and Heraklion.
Hotel features
Room Service, Air Conditioned
Elevator / Lift, 24 Hour Reception, Safe-Deposit Box, Photocopier
Fitness Room/Gym, Swimming pool, Tour Desk, Garden, Pool Outdoor
High-speed Internet, Internet Connection (wireless)
Availability and Prices
Booking Site
Room Type
Per room
Per night
Per night
Users who viewed Sogiorka also viewed these 3 stars Hersonissos hotels:
Romantica Beach Villas
Plaka, Hersonissos
Plaka, Hersonissos
Hotel Agrabella
26 Eleftherias Street, Hersonissos
26 Eleftherias Street, Hersonissos
Irini Apartments
Hersonissos, Hersonissos
Hersonissos, Hersonissos
Search hotels
based on
14 reviews
Nearest hotels
- Bellino
18 m
- Elina Apartments
54 m
- Lefteris Apartments
69 m


text:
Having unnecessary fat in various locations of your body can have a substantial impact on your health and self-confidence. While traditional weight reduction through workout and diet plan is a terrific method to drop weight overall, even the best workouts can't target issue locations like the belly, inner thighs, arms, and butts. Liposuction is a time tested treatment that is utilized to remove excess fat from specific locations of the body, enabling a specific to shape and contour their body to their preference. Is liposuction right for you? Discover now.
Pros of Liposuction
There are many benefits to this cosmetic treatment, consisting of:
• Right away visible changes. Unlike conventional weight reduction, liposuction develops changes that are immediately visible in the body. Some distinction is visible immediately, and the preferred outcomes are normally attained in just a few days.
• Proven and safe. This cosmetic treatment has been carried out by skilled cosmetic surgeons all over the world for years and the technique has actually been fine-tuned over and again to be safe and efficient.
• Recovery time is normally fast. The downtime needed after having this kind of treatment is typically much less than exactly what is needed for other types of cosmetic procedures, consisting of tummy tucks, breast reduction, and more. People who have had the procedure can frequently return to work a lot more quickly than they expected and can return to living a healthy, active way of life.
• Weight reduction can be long-term. With the best maintenance strategies, the fat that was eliminated during the liposuction procedure will not return.
• Complete control over your physique. With liposuction, an individual can have complete control over how they wish to look, beyond exactly what standard diet and workout can supply. Offering individuals this power over their bodies increases self-confidence and assistance people feel their very best.
While there are numerous advantages to liposuction, there are of course a couple of caveats that must be thought about prior to making the final decision to move forward with the procedure.Cons of Liposuction
Before having actually liposuction done, it is essential to examine the potential drawbacks of the procedure and identify if the benefits surpass the dangers in your certain case. Your cosmetic surgeon can assist you learn more about the risks associated with the treatment and can help you decide if moving on is the best thing for you.
• Issues with general anesthesia. Due to the fact that liposuction is performed under basic anesthesia, the procedure brings the same threats as other type of surgery where general anesthesia is used. Hidden medical conditions might increase these risks.
• Adverse responses. Bruising, bleeding, and pain are all to be expected, nevertheless, in uncommon cases can cause more considerable complications.
• The prospective to gain the weight back. After having liposuction done, it is vital to preserve a healthy diet and exercise effectively as advised by your physician. Failure to do so could cause acquiring back the weight that was lost or potentially a lot more.
There are risks associated with liposuction, for numerous people, the benefits far outweigh them. Inform yourself about the treatment by having in-depth discussions with your specialist and consider how liposuction has the prospective to impact you as a distinct individual. Just you and your specialist can determine if liposuction will provide you with the outcomes you are looking for within your expectations.
Laser Liposuction procedure is a new non invasive procedure to loose unwanted bodyfat in Olmstedville NY
Laser liposuction is a newer, minimally invasive treatment that involves heating the fat cells to melting point and getting rid of the melted fat through a little cannula. The treatment is normally done right in your doctor's workplace and is an excellent alternative for people who have less than 500 ml of fat to remove from any one location. Laser liposuction can be a safe, complementary procedure to weight loss in order to shape the body you have actually always desired.
Contact a Surgeon in your Olmstedville NY today.
If you're considering liposuction as a weight reduction option, it is necessary that you discuss your desires with a certified plastic surgeon in your area. Your specialist will perform a total exam and health history survey to identify if liposuction can benefit you and help you reach your physical and psychological goals. Call today for a consultation and find out more about how liposuction can assist you achieve the body of your dreams.


text:
4622 W WATERY WAY S South Jordan, UT 84095
Hi, Blueroof .com.
My name is
and I have a question about 4622 W WATERY WAY S South Jordan
You can respond by either emailing me at
or call during
My Question Is:
Estimated Monthly Payment$5,051
- Photos
- Location
- Questions
- Share
- Virtual Tour
- Mortgage Calculator
- Status: Pending
Listing courtesy of Holmes Homes Realty
LOCATION, LOCATION, LOCATION! 4 homes off lake, with beautiful views of lake & Wasatch Mtns. from front porch. Daybreak's newest, most affordable rambler is avail. now for you to customize your way!! (With in house designer, at no addtl. cost). Very open & spacious 6 bedroom, 3.5 bath rambler awaits!! Basement will be finished, for free for using the preferred lender or for paying cash!! (Home to be Built)
Interior Features Include:
Bath: Master, Bath: Sep. Tub/Shower, Closet: Walk-In, Den/Office, Dishwasher, Built-In, Disposal, Great Room, Range/Oven: Built-In, Instantaneous Hot Water, Low VOC Finishes, Granite Countertops
Basement Full
Fireplaces 0
Window Cov: None
Air Cond: Central Air; Gas
Heating: Forced Air, Gas: Central
Floor Type: Carpet, Tile
(100 sq Finished) Full
Exterior Features Include:
See Remarks, Bay Box Windows, Double Pane Windows, Entry (Foyer), Porch: Open, Triple Pane Windows
Acreage: 0.1800 Acres
Lot: Corner Lot, Fenced: Full, Sprinkler: Auto-Full, Terrain, Flat, View: Lake, View: Mountain
Landscape Landscaping: Full
Landscape: Full Landscaping
Roof: Asphalt Shingles, Pitched
Exterior: Clapboard/Masonite, Composition, Cement Board
Patio/Deck: 1 Patio 1 Deck
Garage/Parking: Attached, Extra Width, Opener
Driveway Asphalt
Garage Capacity: 2
Other Features Include:
Subdivision: DAYBREAK
Amenities: Cable Tv Wired, Electric Dryer Hookup, Exercise Room, Home Warranty, Swimming Pool
Water: Culinary
Sewer: Connected, Public
Pool: Heated, In Ground
Utilities Gas: Connected, Power: Connected, Sewer: Connected, Sewer: Public, Water: Connected
Accessibility Single Level Living
Storage Garage, Basement
Taxes 905
School District: Jordan
Information deemed reliable but not guaranteed accurate. Buyer to verify all information.The multiple listing information is provided by Wasatch Front Regional Multiple Listing Service, Inc. from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2014 Wasatch Front Regional Multiple Listing Service, Inc., All Rights Reserved. The information provided is for consumers, personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.


text:
Asian Stir Fry Rice-The Real Deal
Total Time
Prep 5 mins
Cook 15 mins
On our honeymoon in Malaysia my husband and I were directed to one of the best chinese seafood restaurants on the Penang island. we went there again especially for their rice. I tried many recipes and this is my adapted one that is the closest to what we had there. Secret is cooking everything separately.
Ingredients Nutrition
- 1 cup rice
- 2 eggs
- 3 garlic cloves, minced
- 1⁄2 cup of shredded lettuce
- 1 onion, diced
- 2 tablespoons soya sauce
- vegetable oil
- salt
- Fry the garlic in oil for a couple of minutes on medium heat until most of the pieces are yellow. don't overcook the garlic but it needs to be toasted. Set aside.
- In the same wok add oil and fry onion until it softens and then add the lettuce for 20 seconds or so until it gets soft and greener. Remove from heat.
- Fry the eggs, i simply scramble them and i don't overcook them, because they will receive some more heat later.
- Take a wok and put your cooked rice in it. On very low heat mix the onions and lettuce. Add eggs and mix thoroughly until eggs are finely distributed.
- Add the soya. Stir.
- Sprinkle the garlic little by little while stirring.
- Add salt to taste.
- Serve hot.
- The secret of this recipe is the garlic and cooking everything separately brings out the flavors of all the ingredients.


text:
Follow @DaytimeRoyalty
Free Forums. Reliable service with over 8 years of experience.
Learn More · Sign-up for Free
|Viewing Single Post From: Friday, May 3rd Daily Discussion
|May 3 2013, 03:27 PM
So Ej and Sami's important engagement takes place at the pub
Rafe and Sami dressed up for a romantic date take place at the coffee house
BUT Fuck buddies Rafe and Kate get a special intimate restaurant set so they can stop being fuck buddies?!
Romance you just go ahead and take a back seat to superficial rubbish.
Days, someone has their priorities really screwed up.
|Friday, May 3rd Daily Discussion · DAYS: News, Spoilers & Discussion


text:
The BCGS Walter Draycott Library will close for the holidays from 3 pm, Saturday December 17th, 2016, and reopens at 10 am Tuesday, January 3, 2017.
BCGS members may take home circulating books and journals to read so come in this week with your holiday genealogy and family history reading list or browse the shelves for new items.
And please remember, if it snows at any time, the Library is closed. Call to confirm if in doubt – 604 502 9119.


text:
Each month, Rated People connects over 50,000 homeowners with quality tradesmen - simply enter your job details in the form above to get started.
We'll match your job to the relevant tradesmen in your area - those interested will pay to see your contact details and call you to quote.
As each tradesman expresses interest in quoting on your job, we'll send you their profile and ratings to help you choose the right one for you.
After the work is complete, return to the site and rate your tradesman based on their quality of work, reliability and value for money.
Added 07/12/2016
Hi, I urgently some jobs doing around the house tomorrow 8th December. I need; 5 window blinds...
Added 04/12/2016
2 toilets internal systems keep on filling up they don't need adjusting they need changing...
Added 23/11/2016
I have a night storage heater which has stopped working. It was working up until a couple of...
Added 21/11/2016
Services required: Find and repair a leak have discovered a leek in ceiling of brdroom Property...
Carpenter / Joiner
Added 18/11/2016
Re-hang external door and adjust internal doors.
Heating Engineer
Added 17/11/2016
Installation of a dual fuel cooker
Managing your job is easier with the Rated People Homes App, download it today.


text:
UBS moves to the front foot
Sitting in a small room in the US with six policemen, some of them armed, demanding to know if you're a tax cheat is not most chief executives' idea of fun.
In the middle of the financial crisis this happened, however, to John Fraser, global chief executive of UBS asset management.
The police force's pension scheme had been a UBS client for two decades and its trustees were less than delighted to see the UBS private bank's name in the headlines, accused of trying to help wealthy Americans hide from the US taxman.
Fraser's response? "I apologised, and noted that UBS Global Asset Management had never had any issues with the US or, indeed, any other regulatory authority," he said. He managed to hit the right note: the policemen told him to carry on.
This year Fraser celebrates his 10th anniversary as chief executive of UBS Global Asset Management, one of the largest in the world with Sfr536bn (£435bn) under management.
The police anecdote may have had a happy ending, but being on the back foot has characterised Fraser's division during much of the past decade.
In that time, UBS Global Asset Management had to manage the integration of the two asset management powerhouses bought by UBS: London's Phillips & Drew and Chicago's Brinson.
It needed to diversify away from its investment style of focusing on "value" stocks, companies the market had ignored.
It had to cope with its institutional clients shifting away from balanced mandates, where the manager can invest in all asset classes, to specialist mandates.
The record of its revenue and profits show it was making good progress until 2007, when in the second quarter of the year, the collapse of Dillon Read Capital Management, a UBS hedge fund business that it had been forced to take on its books, heralded the onset of the financial crisis with an almost Sfr400m write-off.
UBS Global Asset Management's profits turned into a loss 18 months later in the wake of Lehman Brothers' disintegration.
Back to normal?
Following the bounce of 2009, profitability appears to be returning to normal. But normality for an asset manager the size of UBS Global Asset Management, with almost 4,000 employees all over the world, is not the same as plain sailing or lack of change.
The equity division is not firing on all cylinders and the fixed income division saw the defection of Bob Jolly, a top-rated fixed income manager, for rival Schroders in June.
That month, Fraser promoted Liz Ward, formerly global head of capabilities management for fixed income, as his head of Europe.
The business is still glowing from its selection in February by Nest, the UK's new public pension scheme, to run a mandate that will grow into billions and will follow a passive management approach – an investment strategy that many had forgotten that UBS Global Asset Management, predominantly an active manager, actually possesses.
And it is only 18 months since Fraser revamped his senior team in the UK, dropping some of his stalwart marketers and bringing in John Nestor from Citigroup to lead its UK business.
Fraser seems more relaxed than he has at any time in the last four years. He said: "We've turned a page, we're on the front foot now. It's not about being aggressive, I want our people to have humility and modesty.
But a lot of those who went through 2007, 2008 and early 2009 were shell-shocked by the cross-border issues and the other problems confronting UBS, and couldn't recover. I let a lot of people go on the distribution side."
Fraser referred to that time as most dispiriting and difficult, but said he held up because of the loyalty in UBS Global Asset Management and the arrival of Oswald Grübel as group chief executive. This summer's departure of Bob Jolly is a blow.
After he arrives at Schroders next month he will take over responsibility for $15bn of assets and lead a push into a hedge fund strategy.
UBS Global Asset Management runs hedge funds, but it does so from its Chicago subsidiary, O'Connor, not in the London mainstream business where Jolly, a sovereign bond and currency specialist, worked.
Ward, new head of Europe, said: "We want to bring in a global macro person to replace Bob, but our group of rates specialists is still in place and so is the credit team that contributed much of the outperformance."
She said the fixed income division has moved forward significantly since 2006 when it hired Rob Gambi, returning to the industry after years battling with cancer: "He evolved the process – he took the focus away from value fixed income to a more diversified view."
Gambi said he has significantly strengthened the fixed income division in the last four years. He said: "We have more people, and different people – 150 staff who can contribute to a global team rather than just their own regional team.
The process is more transparent and disciplined, with a global investment committee meeting every two weeks, and we are building a global information platform aligned with our dealing and compliance system."
The fixed income funds have been attracting interest from investment consultants.
Nest victory
The passive asset management mandate from Nest should constitute a powerful reference for UBS Global Asset Management when it pitches for work at defined contribution pension schemes, an area of institutional investment that is set to expand massively.
Winning the Nest mandate was a victory for foresight and careful preparation, according to John Nestor. He personally attended many open sessions with Nest to work out what it really cared about.
He said: "The differences between different passive funds' investment returns are negligible – every contender for that mandate could do that job. But we understood that Nest cannot be a silent investor.
So we concentrated on corporate governance. We demonstrated that, as an owner of companies, we will take appropriate action, although in some cases that will never become public."
This approach is closely aligned to Fraser's thinking. Fraser has trenchant views on the subject of shareholder engagement. He said: "If capitalism is going to work, shareholders have to be responsible. We vote. We have a moral obligation to work with the management of companies."
Fraser sees opportunities to win more work running funds for third-party distributors, the so-called wholesale business, which Ward will be pushing into in Europe.
It has been strong in global equities, in infrastructure and in real estate, where the team, led by Paul Marcuse in London, is the second largest property asset manager in the world. It is confident that its multi-asset products, led by Curt Custard, head of its global investment solutions team based in London, is competitive.
Has Fraser dilly-dallied? He acknowledged that in some respects it would have been better if he'd acted more quickly. He said: "It was a mistake not making changes in the UK and the rest of Europe earlier.
I fault myself for delaying. Many things I got right – changing the global equity team, bringing in Rob Gambi in fixed income – but in the UK and the rest of Europe I should have made changes sooner.
The UK was profitable: a greater priority was America and keeping the business together worldwide in light of the challenges facing UBS."
US value equities spoil the party
John Fraser is pleased with the way much of his equity division is working, with strengths in global equities, European small-cap equities and an Emerging Market Value Focus strategy that has beaten the MSCI emerging markets index by 8.9 percentage points a year since launch in 2008. But one, significant area of his equity division is spoiling the party.
He said: "US value equity really worries me. Only one US value fund in five in the industry outperformed last year. I'm comfortable the process is right, however, we are constantly monitoring and tweaking areas where we could improve."
The international growth equities strategy has also generated disappointing figures over the past three years, though it still has a loyal following. The man in charge of tweaking is John Leonard, global head of equities, in Chicago.
He has made a few personnel changes, and this year, he initiated a system of sector specialists, setting out six broad industry categories with a senior analyst who coordinates all the relevant research work. He said: "The consistency of the dialogue has improved."
Moreover, he said: "We have rededicated ourselves to in-depth industry-level research. I expect it to pay off in the quarters that follow."
He has also stiffened the team's discipline on selling stocks.


text:
This Property: is COMMERCIAL or Residential; zoned for either one. Could be rental, mother-in-law's house. This property has TWO houses on the 1 full acre. Water, electric, and gas have all separate meters to each house. Great business place right off Old Hwy 51. Homes have newer roof and vinyl siding, lots of storage, plus parking. Has 4 car garage. Great Investment. Call for a showing today! Seller wants a pre-approval letter before showing property.
Features Residential
Features Residential
|Garage Capacity: 2
|Age of Home: 46
|Finished SqFt:
|Municipality: Kronenwetter, Village Of
|Area: Wausau
|Body of Water:


text:
BERGEN COUNTY - As more coyotes are sighted in Bergen County, residents are becoming increasingly concerned for their safety.
This week coyotes have been sported in four northern New Jersey towns. The sightings have prompted parents and school districts to keep children indoors.
The most recent sighting was Thursday. Norwood police shot and wounded an aggressive coyote, but it was able to get away. On Monday, another coyote in Norwood tested positive for rabies. Officials believe this was the same animal that attacked a man in town on Sunday.
"It makes me a little bit nervous," says parents Melissa Ritsma. "Not so much that there is wildlife around, but that they are testing positives for rabies."
Carol Tyler of Tyco Animal Control says the coyote population is flourishing in north Jersey, mainly because people are creating an inviting environment.
"Because there is such an available food source, they are breeding at a much higher rate than in other parts of the state," she says. "Where we were seeing two or three pups, we are now seeing six or seven pups in a litter.
Tyler says residents should keep their property clear of garbage and food to keep the coyotes away. Birdfeeders should also be brought inside.
Injured coyotes should also be avoided, warns Tyler.
"When they're injured, they don't have the ability to get away from people," she says. "People tend to think they need to handle them…and that's when we wind up with the conflict."
Norwood will be holding a seminar to educate residents on coyote safety. It will be Tuesday at 7 p.m. at Norwood Public School.


text:
On this day in Financial News 5 years ago…
Germans to clash on pay disclosure
Some of the biggest companies in Germany could find themselves on a collision course with international investors over the disclosure of directors' pay.
The Cromme Commission last week recommended that companies disclose the individual salaries of their directors for the first time in its long-awaited report on corporate governance.
Many firms are unhappy with the recommendation and are understood to be planning to ignore it. A spokesman for Siemens, the €61bn ($53bn) German engineering group headed by Heinrich von Pierer, said the company would not disclose individual pay.
"This is not useful information for investors," he said.


text:
Carlyle hiring09 Jan 2015
Take a Financial News trial today:
- Breaking industry news & commentary
- 10 year searchable archive
- FN Powerlists & Special Reports
- FN on mobile and iPad
Does your company already have an FN licence? Email us now
Senior technology executive quits T. Rowe Price for Carlyle
Georgette Kiser, an 18-year-old veteran of T. Rowe Price who most recently served as the asset manager's vice-president and director of enterprise solutions and capabilities for services and technology, is joining Carlyle Group.
The US private equity firm on Thursday named the 47-year-old Kiser as its new chief information officer and a managing director, saying she will also serve on its management committee.


text:
Search Thousands of Free / Paid Demo classes based on your interest.
Book and attend a demo class. Write a review and avail exclusive discounts.
Enroll in the class through classboat and receive further cash backs.
Discover, try & enrol in 10000+ classes around you
Learn More
Under the guidance of expert teachers, learn to speak English fluently in this course. Learn the basics of grammar, tenses, vocabulary building and much more. Train yourself to speak English with clarity in thought and words. Improve your English speaking skills with the techniques you will learn in this course.
Beginner Intermediate Expert
This class is designed to Teach more English Communication Competence through Basic English Language Skills, such as Reading, Listening and Speaking. This class will also cover various Basic Grammar Fundamentals so that the Student is Encouraged to use Correct English.Join English Language Course at Clinical English.
Develop your soft skills in this personality development course, that will give you an advantage over others for moving up the corporate ladder. Learn effective communication methods, presentations skills, goal setting, stress and time management and much more. Develop the right skills that will make your personality shine over others.
If you are looking to Improve your English Conversation Skills and help you Speak more Fluently, This Class will really help you to achieve Excellency in Speaking Fluent English.Join Public Speaking Course at Clinical English.
Develop your leadership skills in this course. Develop skills to properly motivate and challenge yourself and your team to achieve your goals and targets. Learn to be a great leader for your team, which is the secret to a successful business.
Already a classboat member?
Sign in
Don't have an account?
Sign up
Already a classboat member?
Sign in


text:
Apartment 3 rooms for sale in Cluj Napoca, zone Andrei Muresanu
Cluj Napoca, Andrei Muresanu
Real estate Agency Welt Imobiliare is offering for sale apartment with 3 rooms, located in Cluj Napoca, zone Andrei Muresanu. The apartment comfort marit decomandat situated in floor 2 in a bloc with 3 floors, has 1 kitchen, 2 bathrooms , 2 balconies . has phone, TV cable, heat station, gas counters. Among finishing there are: stare interior (semifinisat), ferestre cu geam termopan (pvc), usa intrare (metal), izolatii termice (exterior) Among equipment we are mentioning: alte spatii utile (wc serviciu), contorizare (contor gaz, apometre, contor caldura), nemobilat
General utilities: Electricity, Water, Gaz, Drain, TV Cable, Phone
Heating system: Heating, Heaters
Equipment: Gas meters
Views number:
Updated: 2016-11-28 18:15:13
Ask details about offer with ID 10IFH
Real Estate Agency contact details:


text:
Crossfit Training New Jersey #1- Visit our facebook site.
CrossFit is the principal strength and conditioning program for: police academies and tactical operations teams, military special operations units, champion martial artists, and hundreds of other elite and professional athletes worldwide. New Jersey loves Crossfit Razor. Crossfit New Jersey Our program delivers a fitness program that is broad, general, and inclusive. Our specialty is not specializing. Combat, survival, many sports, and life reward this kind of fitness and, on average, punish the specialist. The Crossfit program is designed for universal capability, making it the perfect application for any committed individual regardless of experience. We've used our same routines for elderly individuals with heart disease and cage fighters one month out from televised bouts. We adapt to all disciplines..
Free Trial Class
We offer a Free Introductory class to all new athletes. There are no prerequisites or fitness experience needed. We will work with your abilities and bring you to where you want to be!
News and Events
- At CrossFit Razor we have based our training beliefs on two things; education and motivation. We have all the tools to make you healthier, stronger and faster. Come in and let us take you from good to GREAT
- Updated events and News will be posted shortly


text:
(LOS ANGELES, CA) -- Another real wild and sexy night is planned for this Wednesday on ''Inside the Industry'', as sexy Latina starlet Pepper Foxxx, and Playboy Cyber Girl of the Month; Kristen Gorano, join James and Michelle on the program, and yes Michelle Maylene is finally back, having recovered from her recent car accident, and just returning from her recent dance tour. The group will be taking your calls live.
Inside the Industry is created and hosted by James Bartholet and co-hosted by the lovely Michelle Maylene, star of Cinemaxs ''Co Ed Confidential'' and the host of AVN Live, and adult film starlet Kristina Rose, and is heard Wednesday nights from 8:00pm to 9:00pm PST and rebroadcast daily, on LA Talk Radio www.latalkradio.com. The program is already a very popular Internet radio show with the industry and the fans alike.
Theres also a great contest this week on the program. Listeners can win a signed picture of Pepper, Kristen, and Michelle Maylene by calling in during the show at: 323-203-0815 or by emailing email@example.com
Production companies who would like to send information to be talked about on the air, or performers who want to be booked as guests on the program, or companies that wish to advertise on the program, can email the Inside the Industry production office at; email@example.com
The Inside the Industry television program is still on the air, and can be seen locally on cable television, and online 24/7 at: www.insidetheindustry.net
About Inside the Industry
Inside the Industry, hosted and created by James Bartholet is a unique entertainment news program about the adult film and Internet industries. The program is co hosted by the lovely and talented actress and Internet and TV host Michelle Maylene. The program that began in 2006, on cable television and the Internet, is now a weekly radio version, heard Wednesday nights from 8:00pm to 9:00pm PST, on LA Talk Radio www.latalkradio.com and covers information on the adult and mainstream industries.
For more information on the Inside the Industry Radio Program, please contact the Galaxy Publicity office: 310 652 0770 email@example.com or firstname.lastname@example.com
Ducati, Riesling at Little Darlings
Press Release Service
Possible Identity Theft
Alexis Golden Skype Show 12/6
Bunny De La Cruz Website
AMP 16 December 17
Zoey Portland Interview
DomCon New Orleans
VNA Celebrates 10,000 Shows
2017 XRCO Date, Location
Exxxotica Best Show Ever
Samson to Vivid HoF
AsianModelPalooza 16
2017 AVN Show
Angelina Castro Anniversary
Sugarcookie Earns Nom
Sabrina Deep AWA Noms
Its Cleo Lands Radio Show
FreePornDay 9/8/2016
Teri Weigel on Rock'N'SeXXXy
Sins Explore Limits on Snapchat
Internet & Mobile News Section Index
Jelena Jensen Girlsway GOTM
Penny Pax New Site
Brooke Bliss on Fleshbot
Katrina Jade GOTM
Marica Hase Official Site
World Bukkake Tour
Shawna Lenee Dogfart GOTM
New Webcam Opportunity
NaughtyAllie Facelift
Paradise Marketing New Website
RNSU Radio Thurs March 24
New Gay News Site
Danni Ashe Awarded
New Wave Porn: BrightDesire.com
XBIZ Trophy Girls
Adult Webcam Conference
Hirsch XBIZ Keynote Speaker
Hill and Howard Raw
Night, Rai, Moore, on Inside
More w/Mo Celebrates 100
Introducing Bitcoin Porn Sites
Rock'N'SeXXXyu Radio This Thurs
Mindbrowse with Royalle, St. James
Rock'N'SeXXXy UnCensored Thursday
Raven Bay on Jukeboxx
After Hours on CyberstationUSA
Amia Miley Brazzers Contract
Payton Sin Claire on SDR
Star.XXX Blasts Off
Rock'N'Sexxxy 12/10/2014
Vivid Radio 1st Anniversary
BoodiGo: Privacy & Porn
BoodiGo Partners PornGuardian
Inside The Industry 10/08/2014
BoodiGo Supports ASACP
Angelyne on Amber Lynn's RNSU
Boodigo Adult Search Engine


text:
Home ›
Nagoya Condolences Items Gifts
0 items found
You can send Condolences Items Gifts to Japan in the following cities.
What our Customers Say about our Service
"We were looking for a service that could send a holiday gift to a friend of ours who lives in Bucharest, Romania. Experience has shown this is NOT an easy thing to do if trying to mail the gift yourself from the USA (and of course you are quite limited in what you can send from here to Europe, and of course there are Customs charges as well!). With Gift Baskets Overseas, we were able to avoid such difficulties. We picked out a lovely gift basket of goodies for our friend which we assume were sent from the U.K. thereby avoiding Customs fees and exorbitant shipping charges from the U.S. The gift basket arrived on time in Bucharest, and the delivery service there went the extra mile to find our friend who was not at the office that day to insure her gift was delivered. She was very excited and pleased and so are we."
Mrs. Richard Furr - Charlotte NC, USA - Dec 31, 2012
"I am extremely happy ! The order I placed was delivered today to my family in Tuscany ! This was the first time I dealt with Giftbasketoverseas.com so I was a little reluctant, but very hopeful it will work. They delivered it promptly, just as requested, today, at the right address of my brother's house. I think they were too thrilled about it and decided to check it later so they did not notice my card, I will check again with them tomorrow, for it's got its rightful place: under the Christmas tree along with the rest of the gifts ! :) "
Mara B. - Canada - Dec 23, 2014
"GiftBasketsOverseas are one of the best and most professional online ordering businesses I have ever used. The order I placed in Australia one day was completed and delivered in NZ the next - less than 18 hours later!! My mother in law was absolutely thrilled with the quality and the size of the fresh fruit and food hamper. I will certainly be using them again and again!!"
Tui McKeown - Hampton VIC, Australia - Sep 5, 2010
"We are really impressed by your service and prompt delivery and our family in the UK are to quote "extremely grateful for their lovely gift" Cheers"
Jeff Colley - Perth, Western Australia - December 14, 2012
Read more testimonials or leave your feedback here.


text:
Discussion in 'iPod touch Firmware 2.X' started by atkfromabovee, Feb 12, 2009.
what is the directory for music on my ipod in ssh?
/var/mobile/Media/iTunes_Control/Music/Mixed in Random Folders/.
or get dTunes (from Cydia) and ssh to "/private/var/mobile/Library/Downloads" Please Register or Log in to view images
Please Register or Log in to view images
Separate names with a comma.


text:
Keiji Inafune needs your help!
Ad blocker interference detected!
Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers
Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected.
We all know Capcom has forsaken Mega Man. But Keiji Inafune is planning to make a completely new game series that is a bit similar to Mega Man but with a lot of added bells & whistles. I don't want to say too much just click the link to the video and if you want to help with the project back Inafune up with the kickstarter to the project which is a link in the description of the video. http://www.youtube.com/watch?v=PX1o0so4anc&feature=c4-overview&list=UUfelpouIc8hS7cBXnVKRBpQ


text:
Find a copy in the library
Finding libraries that hold this item...
|Additional Physical Format:
|Online version:
Barr, Colin, 1974-
Paul Cullen, John Henry Newman, and the Catholic University of Ireland, 1845-1865.
Notre Dame, Ind. : University of Notre Dame Press, ©2003
|Named Person:
|Paul Cullen; John Henry Newman; Paul Cullen; John Henry Newman; Paul Cullen; John Henry Newman; John Henry Newman; Paul (Kardinal) Cullen; Cullen, Paul <1803-1878>; Newman, John Henry <1801-1890>; Paul Cullen; John Henry Newman
|Document Type:
|All Authors / Contributors:
Colin Barr
|0268038783 9780268038786
|OCLC Number:
|xv, 288 pages ; 23 cm
|First conflicts : the national schools and charitable bequests --
"Godless" education for Ireland --
Enter the ultramontane --
Seduction : the appointment of John Henry Newman --
The idea of a university, in Ireland --
Delay : the university on hold --
Opening the university --
Rupture, failure, and departure --
New beginnings, old problems --
An actual, existing university --The failure of the Catholic University of Ireland.
|Colin Barr.
Publisher Synopsis
Barr s work convincingly revises readers understanding of the formation of the Catholic University of Ireland, giving Cullen credit for his stewardship of what traditionally has been labeled Newman sRead more...
Similar Items
Related Subjects:(13)
- Cullen, Paul, -- 1803-1878.
- Newman, John Henry, -- 1801-1890.
- Catholic University of Ireland -- History.
- Catholic University of Ireland -- Histoire.
- Cullen, Paul, -- 1803-1878
- Newman, John Henry, -- 1801-1890
- Catholic University of Ireland.
- Newman, John Henry.
- Cullen, Paul (Kardinal)
- Dublin -- Catholic University of Ireland.
- Cullen, Paul <1803-1878>
- Newman, John Henry <1801-1890>
- Catholic University of Ireland - Histoire.


text:
Scholarship Mom Tip #102: Keep Your Application in the Running
The first 30 seconds that scholarship judges look at a student's application are the most important. Make sure yours makes this first cut.
Scholarship Mom Tip #49: Have a 15 Minute Goal
— Winning scholarships takes time and 15 minutes a day is a good start!
Scholarship Mom Tip #32: Give Thanks
Have you or your student won a college scholarship? If so, don't forget to say thank you to the people or organization that provided the scholarship. A nice, handwritten note sent to the same address that the scholarship application was sent to is a wonderful way to show the judges and business owners how much their scholarship money means and how it will help relieve the financial burden of college, even if the amount was only enough...
Scholarship Mom Tip #29: Your Essay is Not a Novel
— You scholarship essay is not your life's story, unless, of course you can state it in 500 words or less (or whatever the application word limit is)! Don't blow your chances of getting a scholarship on a technicality.
Scholarship Mom Tip #5: Look Off-line
Not All Scholarship Resources Are On The Web Most students use the internet and only the internet to search for and find scholarships. There are many other searching methods, so use every available resource and don't do what other students are doing. The beauty of using other (off-line) methods is finding college scholarships that many other students will not find, which automatically increases the chance of winning...
Takeaway Tweets & Transcript from #CampusChat with Ivy Eyes Editing
How does one learn how to write an attention-grabbing, read-worthy 500-word college admissions essay 140-characters at a time? Simple. Read the transcript from Wednesday's #CampusChat with @IvyEyesEditing (July 14, 2010). Our expert guest and co-host, Janson Woodlee, co-founder and managing editor at Ivy Eyes Editing, lead the charge for top-notch writing to get admitted to college, get off waitlists, and win...


text:
Phone: (289) 320-8250
1238 Dominion Road
Fort Erie, Ontario, L2A 1H7
To view our complete product offer in your area, we suggest you select this RONA.
At anytime you can select another RONA store or a RONA L'Entrepôt/ Home & Garden. The product selection listed will match the selected store.
"Elite" Floor VarnishFloor varnish. 3.78 L. Water-based. Clear semi-gloss. Diamond finish. Non-yellowing. Easy water clean-up. Used for protecting and preserving the beauty of wood.


text:
Tennessee Football Using Drone To Film Practices
The University of Tennessee football team could be a lot more dangerous this fall. The Volunteers and new head coach Butch Jones have a drone...
The University of Tennessee football team could be a lot more dangerous this fall. The Volunteers and new head coach Butch Jones have a drone...
You won't find Johnny Football @ Twitter anymore.
Rensselaer Polytechnic Institute (RPI) Director of Athletics Jim Knowlton today announced the appointment of Ralph Isernia as head football coach. A veteran of 22 years in coaching, he brings experience from Division III, Division II and the Football Championship Subdivision (FCS), formerly I-AA.
The NCAA believes in the ideal of the student athlete, an athlete who competes on behalf of their college or university, with a college education and the promise of a better future as adequate compensation.
Of course, any rational person can tell you that with millions of dollars riding on their every move, a college education is nowhere near adequate compensation for the services of some college athletes.
National signing day is an amazing few hours.
Heisman Trophy winner Johnny Manziel made a handful of very impressive trick shots with internet sensation Dude Perfect.
The world has been very interested with the Manti Te'o girlfriend hoax story, as everyone wants to know whether Te'o was trying to fool the world or the victim of a hoax...
If the whole Manti Te'o debacle has got you scratching your head because you don't have time to read large, uninterrupted blocks of text ... here's a cartoon!
This football season was rough on Notre Dame's Manti Te'o. September saw the deaths of his beloved grandmother, as well as his girlfriend, Lennay Kekua, who, after suffering a serious car accident was diagnosed with leukemia. Te'o has been struck with tragedy indeed, or he would be if it were true.
While the death of his grandmother, Annette Santiago, did actually take place, DeadSpin found that there is no such person as Lennay Kekua. Awkward.
The Manti Te'o girlfriend hoax story is the weirdest thing to happen since the Charlie Sheen spin-out. People keep looking for photos of her, and we found a few to prove that she does exist. Check them out after the jump.
The Manti Te'o girlfriend hoax is rocking the sports world, as people scramble to figure out whether Te'o, projected by Mel Kiper Jr. to be a top ten pick in this year's NFL Draft, was the creator or victim of an elaborate hoax that invented Te'o's girlfriend Lennay Kekua.
Another obvious question that has emerged from the story is who is to blame for this hoax picking up steam and spiraling out of control?
Manti Te'o, the talisman of a stout Notre Dame defense last season, endured his fair share of hardship while leading the Fighting Irish to a BCS Championship Game appearance. Not only did he lose his grandmother to illness, but also his girlfriend to leukemia.
The problem, however, is that Manti Te'o's girlfriend didn't exist.


text:
- Fast Dog Door Installation in Glendive, MT
- Experienced Glendive Dog Door Installation Professionals
- Affordable Dog Door Installation in Glendive, MT
Dog Door Installation in Glendive, MT
Dog door installation services in Glendive, MT are an excellent choice for you if you have a dog at home that needs to be able to go out when it needs to without forcing you to let it out. One of these doors is a great way to prevent accidents in the house when you are not at home, so it is important to keep that in mind. A quality Glendive dog door will make it easy for your pet to go outside and do its business so you don't have to worry about letting it out every single time.
Avg Costs for Dog Door Installation
Min Cost
Max Cost
Avg Cost
$389.82 - $581.14
Find the Best Quality Dog Door Installation - Glendive, MT
Dog door installation services in Glendive, MT will provide you with exactly what you need for your pet. Make sure that you hire professionals for this job so you know you are going to get them done correctly the first time around. For years people have had dog doors in their homes, simply because it is a great way to allow pets to go outside when they need to when their owners are gone. If you tend to leave the house for extended periods of time and there is nobody else at home, it is very important to consider paying for these services.
Dog Door Installation Companies
Richard Schwartz, Inc.
205 Highland Park Rd
Glendive, MT 59330
Pine Street, Inc.
408 Pine St Forest Park Po Box 736
Glendive, MT 59330
Gate City Construction
1311 W Bell St
Glendive, MT 59330
Kron Construction
2814 W Towne St
Glendive, MT 59330
Kemmis Land Services Inc
312 Po Box
Glendive, MT 59330
Fisher Sand & Gravel Co & Fisher Ready Mix
Glendive, MT 59330


text:
VimpelCom (NYSE:VIP) is an Amsterdam-based NYSE-listed telecommunications service operator operating in five segments: Russia, Italy, Africa and Asia, Ukraine, and the Commonwealth of Independent States. Since the January 23 closing price of $12.43, the stock has fallen to a current price of $8.88 on June 10, after hitting a 52-week low of $7.53 on May 16 due to a myriad of reasons which we shall discuss.
The company has historically paid a high dividend, and the next ex-dividend date is not scheduled. That is right, it is not scheduled at this time. In 2012, VIP paid out over $2.0 billion in dividends. In 2013, VIP paid out over $2.19 billion in dividends. This is based upon 1.95 billion shares outstanding. Unfortunately, the company has decided in January 2014 to not pay significant dividends until the net debt/EBITDA ratio goes below 2xs. Presently, it stands at 2.4, according to the first-quarter annual report. We only expect slight improvement of this ratio in the 2nd quarter, but believe it could move under 2.0 after the 3rd quarter of this year.
These payouts were in US dollars, not rubles. The assumption amongst many investors is that VIP is a regional Russian telecom with excessive exposure to Russia and Ukraine. The fact is that VIP, in spite of a large Russian customer base that is said to not be "churning," or losing subscribers, is considered a Western company with US GAAP practices, based, as mentioned, in Amsterdam. Ok, now that is out of the way, where is the dividend for 2014? Unfortunately, it will be quite delayed. Historically, management was committed to paying annual dividends of at least $.80 per share going forward, but it was unsustainable with the debt coverage and earnings pressure, hence the change in policy. Revenue has been under pressure due to multiple issues, and much of the debt ($27.83 billion) is not going away. According to the recent earnings report released on May 14, the firm reported revenue of USD 5.0 billion, which is an organic decline of 5% YOY, mainly due to operational performance in Russia and continued market weakness in Italy. The firm reported EBITDA of USD 2.1 billion, which is an organic decline of 6% YOY, mainly due to declining revenue. The developing market activities of the firm remain strong, with increased subscribers and revenue from Bangladesh and Pakistan. According to the firm, due to the group's continued emphasis on cost control and what is termed "operational excellence," the group's EBITDA margin remains strong at 41.6%. Also, many believe the company does have a large subscriber base in Ukraine and Russia, and the violent and political issues that have occurred since January have hurt the company from a financial standpoint. This is not exactly correct. The company continues to roll out new 3G and 4G/LTE networks in Russia. There has been a slight drop-off in subscribers, which as mentioned, the industry calls "churn," but it has not been notable in terms of customers, with a YOY overall (global) customer growth up 3%.
Based upon the "Financial position and cash flow" statement issued by the company, net cash from operating activities was USD 1.2 billion in 1Q14, a decrease of 8% YOY, explained by lower EBITDA, partly offset by positive movements in working capital compared to the same period a year ago. Net cash used in investing activities increased to USD 1.2 billion in 1Q14, compared to USD 1.1 billion in 1Q13, mainly as a result of higher CAPEX due to investments in high-speed data networks.
After the company sold the Cambodian division and had a falling out with the government of Laos in an attempt to sell its Beeline subsidiary there, we looked for a similar sale in Bangladesh or Pakistan. We now believe this will not occur. We look for continued subscriber group and further development of the existing network. In addition, after the USD 4.0 billion Algeria resolution (due to Global Telecom Holding (GTH) selling its 51% stake in Orascom Telecom Algeria (Djezzy) to the Algerian National Investment Fund for $2.6 billion), the proceeds are intended for debt repayment as per the company's quarterly report. This also includes a USD $2 billion charge.
Based upon this statement, net cash from operating activities has declined YOY 6% to US1.168 billion for the 1st quarter 2014. It did have a decrease in net cash from financing activities due to fewer proceeds from borrowings, since bonds totaling USD 2.0 billion were issued and dividends of USD 1.3 billion were paid in 1Q13.
This begs the question "Where is my small dividend in 2014?" With the next earnings date set for August 06, we do expect a dividend declaration of at most $.020 (as per the company's policy), per share before or at that time, and the balance of the yearly dividend paid in the last quarter. We expect a full-year dividend at the company-stated $.035, but do expect Net Debt/EBITDA to improve in the 3rd quarter below, thus warranting a higher divided in the 4th quarter. Based upon the current amount, the dividend yield would decline to below 1%, a figure almost all shareholders are not happy with. As a value stock, VIP may be tough to ponder, but we see extensive growth for the company in South East Asia and look for growth in other developing markets. We tend to see growth in CIS, Ukraine, and Russia to slowly continue as the networks improve and the political situation, (which actually does not decrease or "churn" subscribers) de-escalates over time.
In terms of a price target, we do see the stock returning to its previous price range of late 2013, of over $12.00 per share, in spite of the Russian and Ukrainian issues and the company's extensive debt exposure. As such, we look at the stock as a value or growth play into developing markets with Western GAAP standards. With a six-month or year-end price target of $12.00 per share, a short-term gain would equal 33% on an annual basis. As such, we are a strong buyer ahead of the August earnings statement.
On June 09, CNBC reported that Pete Najarian, aka the "Pit Boss," saw extensive option activity in VIP, especially the July 10 calls. It was also stated that he would be a buyer of the stock, and the CNBC video headline was "bulls like VimpelCom."
We see this as a harbinger of at least two things, 1) professional money flowing back into Russian stocks, with VIP including in this group, 2) the improvement in the company's fundamentals and growth in developing markets on the horizon. In addition, there are minor items to note. On May 23, when the stock was $8.11, Deutsche Bank upgraded the stock to a buy, citing the refinancing of its Italian unit and the agreed sale of the majority stake in the Algerian operation. The upgrade noted that both of these events should be positive for earnings and reduced interest costs. Also, the closing price on June 10 of $8.88 would be considered propitious or a very lucky sign in China. Though we would never be a buyer based upon a simple closing price, we do see the stock as a value play with limited downside and significant upside at this time.
Disclosure: The author has no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours. The author wrote this article themselves, and it expresses their own opinions. The author is not receiving compensation for it (other than from Seeking Alpha). The author has no business relationship with any company whose stock is mentioned in this article.
Additional disclosure: Earlier submission missed company's new dividend policy which is presently in effect. My apologies to the readers.


text:
Great location, right on the beach
Air conditioners were working good.
Dirty and smelly room, no hot water, broken shower, broken fridge, plastic glasses for expensive coctails in restaurant …
we had a great time at this apartment, it was extremely spacious and comfortable, far more so than I expected.
we found the hotel to be near to the city centre and also found it to be in a quiet location, but this would not suit everyone as a car is preferable.
Convenient location close to places of interest. Spacious rooms, nicely furnished with patio access and nice Italian ambience
Difficult stairs to access hotel foyer. Lack of help with luggage. Major noisy and dusty construction at building entrance. Taxi driver could not find hotel even with navigation device. Sign for hotel too small and brely readable from short distance. Owner not very friendly. Refused us use of toilet facilities after we had checked out.
The room was very spacious and nicely furnished, high ceiling, large bathroom. The location was excellent for walking to sights.
Another lamp would be nice as it was somewhat dark. It was a bit cold at night but we used the blankets provided.
This is the way to view Italy. The atmosherics, the owners and the staff made this one of the best nights we had spent in the region (even in a thunderstorm). If you get the chance make sure you try dinner and spend longer than an overnight stop!
Being able to sit outside and enjoy the fresh air and the fresh home cooked meals.
Shared Bathroom, no wifi , shared balcony
Here's why:
We're not the seller.
At KAYAK we don't set the prices, so it's not possible for us to guarantee what other companies are selling.
We compile tonnes of data for you
Our service lets you quickly and easily compare results from hundreds of travel sites at once. In this sense, KAYAK is a search engine and we can't guarantee prices we find.
Why aren't prices accurate 100% of the time?
Prices on airline seats, hotel rooms and car rentals can change frequently. Several people may also be trying to buy the same travel option simultaneously. As a result, you may find, on occasion, that certain prices are no longer available.
If you have more questions or if you have a bad price to report to us,
please send us an
and someone from our team will get back to you promptly.


text:
Cyber FunRob sends Red dirty pictures.
CybertationI dream of a hot girl at school.
Cynful EnticementBrie gets taken
Daddy's GirlCollege girl finds a father figure.
Dana & StuartDana tries to surprise her husband.
Dave And SugarKandy needed to fucked and wanted it NOW!
Dear DiaryI imagine he...
Debbie's DescentDebbie gets a birthday gift.


text:
Wed 19 April 7 p.m. Nordea Concert Hall
Cameron Carpenter (organ, USA)
Bach, Tchaikovsky, Wagner, Piazzolla
Concert stages have never before seen an organ virtuoso like Cameron Carpenter: plenty of recognition and arguments, more international visibility and sensation than others; phenomenal interpretations of classical music right on the edge, the look and attitude of a rock star. Cameron will perform everywhere and reach Estonia along with his "travel organ" – the powerful sound system of the International Touring Organ weighing nearly a ton will completely fill the stage.
19.04.2017, 19:00 - 23:59
|Price from:
|20.5 €
|Max price:
|50.5 €


text:
Online Language Tutor | Teacher
Out of the Box Practices, Inc.
- Job Level
- Fresh Grad / Entry Level
- Job Category
- Education and Training
- Vacancy
- 78 openings
- Preferred Educational Attainment
- Graduated from college
- Posted
- 2 months ago
- Application deadline
- in 10 months
- Recruiter responds
- 1% of the time
- Recruiter last seen
- 2 months ago
- Industry
- Human Resources / HR
- Employment Type
- Full time
- Office Address
- Gil Puyat Ave., Makati, Metro Manila, Philippines
Secondary Education
Communication Arts
Mass Communication
Minimum Qualifications:
- Undergrad are okay but only limited to at least 3rd-year college;
- Pleasing personality;
- Neutral or American accent;
- Good command of the English language;
- Proficient in Computers;
- Friendly, patient, and can work with collegue;
- Has self-discipline and positive attitude;
- experience in Teaching online or offline is an advantage but not required;
- Fresh graduates are welcome to apply.
- Deliver prepared 30 minutes or 1-hour online audio/video lessons to learners whose first language is not English.
- Conduct interaction with learner using skype or other remote communication tools (phone or video).
- Manage lesson according to script and time constraints.
- Evaluate learner's performance.
- Able to identify students' needs.
- Can handle different level or age bracket.
- Conduct tests and maintain lesson plans.
- Provide constructive feedback and records on oral and written work.
We are a leading training and management consulting company which provides personalized services and unique learning experience.
We adhere to the practice of bringing in exceptional applications with tailor-fit and pragmatic solutions to the needs of the clients and optimize the full potential of individuals and organizations alike.


text:
We use cookies to provide you with the best experience on our site. If you continue shopping with us we'll assume that you're happy to receive cookies. Find out more about cookies x
Please note that changing your country whilst shopping will remove all items from your basket.
The World's Smallest Walkie Talkies are perfect for children who love to play army! Standard-sized walkie talkies can often be too big for children to carry around with them, while many children's walkie talkies are very basic with a short range. The World's Smallest Walkie Talkies are small enough to fit in even the teeniest of pockets, but don't compromise on other features. The signal can penetrate through walls, floors, steel and concrete, and they also have a range of 100 feet – that's the same length as a Blue Whale! The flexible antennae allow for pocket portability and they also include a Morse code function for super-secret communication!
Key Information:
Not suitable for children under 36 months. Small parts – choking hazard.
Delivery is provided by Boots Delivery Services Ltd. We collect payment for delivery charges on behalf of Boots Delivery Services Ltd.
£13.00 or 1,300 points
With the World's Smallest Walkie Talkies, you'll be able to keep in touch with base no matter how small your pockets are! Ideal for playing army or for any top-secret mission!
Collect 52 points with this purchase
Copyright © The Boots Company PLC. All rights reserved. International.Boots.com is a trading name of Boots UK Limited. Registered office: Nottingham NG2 3AA. Registered in England and Wales: company number 928555. Registered VAT number 116300129.
Delivery outside of the UK excluding Republic of Ireland is provided to you by Boots Delivery Services Ltd. Boots UK Ltd receives all delivery payments on behalf of Boots Delivery Services Ltd.


text:
Golden Lighting Luciano 18"e 3 Light Large Pendant in Chrome
Home > 1800lighting.com > Golden Lighting
The minimum height is 15.5 inches and the maximum height is 124.375 inches. The glass is 3.125 inches high by 1.25 inches wide. 3 Light Large Pendant in Chrome
Golden Lighting http://www.1800lighting.com/images/jqzoom/golden lighting/4015-3 CH.jpg
On Sale
$499.00 $399.20 at 1800lighting.com


text:
1. The person should have good experience in establishing and managing channel sales, Corporate and institutional sales, that is both B2B and B2C.
2. Reaching the targets and goals set for the country.
3. Meeting the clients, making presentations, selling our products and building relationships.
4. Data and MIS Preparation, analysis and sending timely reports.
5. Adherence to our company norms and values, integrity, passion for customer service
6. Meeting the monthly collection target and follow-up for payments.
Sales Channel Sales Institutional Sales B2c Customer Service B2b Business Development


text:
Advanced Member
Join Date: Oct 1999
Location: Lillehammer, Norway
Posts: 934
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
Quoted: 10 Post(s)
Liked: 16
|Thread Tools
|Originally posted by Gunnar:
I finally borrowed the Avia DVD, and did some measurements yesterday. My main motivation for doing this was to compare the readings at the Radeon 32 DDR VGA connector to readings at the projector end of the cable. I also have an Extron RGB-118 PC interface between the PC and the projector. As the pictures show, the readings at the projector end of the cable is clearly different from the readings at the Radeon VGA connector. I did not try to isolate which of the cable and the Extron interface that had the most impact on the readings.
The oscope has a built in printer, and I scanned some of the measurements and posted them here . There are a few comments as well. Later today or tomorrow I will try some of the promising (on paper..)settings, and calibrate the black and white level of the projector with Avia.
|Originally posted by budiman:
Now, I don't know what IRE AVIA is using for their gray bar ramps for blacks, is it 0 or 7.5 IRE? If it's 7.5, then the second bar would be a 10 IRE pattern - distinguishing between the two on a relatively high APL screen can be difficult (due to the closeness of 7.5 and 10). If it's 0 - and the set is well calibrated, then the 0 IRE pattern is no different than a 7.5 IRE pattern, as such it's like comparing a 7.5 IRE pattern to a 10 IRE pattern, right?
|Thread Tools
Show Printable Version Show Printable Version
Email this Page Email this Page
|Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


text:
Click on Thumbnails to see full size images.
Please note that over time links change or are no longer online. This is known as link rot or
link decay.
As such, links may appear that were valid originally, but no longer are.
Images that the Drudge Report links to often expire
after several weeks, consequently we usually only display the original link, not the images
after serveral weeks. You can still click on the link to see if the original image is still available.
DrudgeReportArchive.com © 2016 [DMCA]
CT Inc.
Tag cloud phrases:away tom belichick finds body outside dead body finds dead finds link finds loophole gang rape holocaust memorial jury finds keep media link between loophole keep media away outside holocaust poll finds rape story rolling stone state finds tom brady


text:
Forgot password
Submitting this form below will send a message to your email with a link to change your password.
Today Across the U.S.
More From Around the Nation
We perform all of our boundary surveys to meet the Arizona Boundary Survey Minimum Standards…
Tucson Vape Escape
All of our tattoo artists are professionally trained to give you the best possible result. W…