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Mr Gamrat, London
Bairstow Eves were efficient, professional and extremely courteous, right through to completion. Going beyond what one would expect from any estate agent.
It is important to note that this mortgage calculator is for guidance purposes only. Mortgage lenders have their own affordability criteria therefore it is important you speak to one of our Mortgage Advisers for further information and a more accurate indication of what products may be available to you and what your monthly mortgage payments are likely to be.
We present this character four bedroom semi detached family home with a block paved driveway providing off street parking, a detached garage at the rear (accessed via Marlborough Road) and a south facing rear garden. The additional accommodation comprises two reception rooms, a kitchen which is open plan to a double glazed south facing conservatory, first floor bathroom and a ground floor WC. Benefits include high ceilings, majority double glazing and gas central heating. Viewing advised to appreciate the size and location the property has to offer.
Contact branch for relevant Energy Performance Certificate
Obscure single glazed windows to front and side aspects, single glazed lead light timber frame front door. Tiled flooring and further single glazed door to the entrance hall.
Single glazed timber framed door and obscure single glazed windows to front aspect and porch, radiator, under stairs storage cupboard, radiator and fitted carpet.
Tiled floor. Obscure single glazed window to side aspect. Low flush WC and vanity style wash hand basin.
Coved ceiling with ceiling rose, double glazed bay window to front aspect, two obscure single glazed lead light feature windows to side aspect, two radiators. Focal point feature fireplace and fitted carpet.
Two single glazed windows and single glazed door with lead light feature window to rear aspect and conservatory, focal point feature fireplace and fitted carpet.
Double glazed window and and door to side aspect. A range of oak, wall mounted and base units with granite work surfaces, 'Butler' style sink inset and tiled splash backs. Built in 'Range' style oven with modern chimney style extractor above. Integrated fridge/freezer and washing machine. Concealed boiler.
Perspex ceiling, double glazed windows to side and rear aspects with double glazed French doors to rear aspect and garden. Wood burner, laminate flooring and open plan to the kitchen.
Loft access, obscure double glazed lead light picture window to side aspect, fitted carpet.
Coved ceiling, picture rail, double glazed box bay window to front aspect, two windows to side aspects, two radiators and fitted carpet.
Coved ceiling, picture rail, double glazed window to rear aspect, radiator and fitted carpet.
Picture rail, double glazed window to front aspect, wood boarded floor, radiator.
Picture rail, double glazed window to rear aspect, radiator ad fitted carpet.
Obscure double glazed lead light window to side aspect. Modern white suite comprising panelled 'P' shape Jacuzzi bath with shower screen and shower over, wall mounted wash hand basin and low flush WC. Tiled flooring, part tiled walls and splash backs. Wall mounted medicine cabinet.
The garden measures approximately 40ft and is courtyard style giving access to an exterior storage facility and the detached garage. There are flower and shrub beds to borders and fencing to boundaries.
There is a gated block paved driveway to the front of the property providing off street parking. The garage is situated at the rear of the property and is accessed via a shared gated driveway off of Marlborough Road.


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Showing 1-9 of 9 Dude Ranches
Colorado Cattle Company Ranch
Make your dreams come true with an authentic dude ranch experience. Featured in the movie City Slickers, the lives of these real life cowboys will entertain and inspire you to try new things, and they would love to teach you! With a 1 to 5 ratio of cowboys to guests, you will get one on one advice which will really impact your skills. With your... more
- Wifi
- Restaurant Onsite
- Pets Allowed
- Property Size 13 units
- Conference Facility
- Kids Allowed
- Nearby City Raymer
- Nearby Water North Sterling
- Open Dates May 0 to Oct 14
- All-Inclusive
- Meetings
- Reunions
- Wedding
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- Pet Friendly
- Historical
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- Dude Ranch
- Holiday
Tumbling River Ranch
Discover a true ranch experience at this charming Colorado destination. Tumbling River Ranch features a variety of fun options that are sure to make you feel like you're a part of the Old West. Hop onto the saddle and enjoy a horseback ride through Pike National Forest. Watch a rodeo show, partake in square dancing, and much more during your next... more
- Wifi
- Restaurant Onsite
- Pets Allowed
- Property Size 80 units
- Conference Facility
- Kids Allowed
- Nearby City Grant
- Nearby Water N/A
- Open Dates Jun 1 to Sep 30
- All-Inclusive
- Family
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- Nature
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- Pet Friendly
- Luxury
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Beaver Meadows Ranch
Red Feather Ranch, Red Feather Lakes, Colorado - Beautiful six room mountain lodge on 40 gorgeous acres.... more
Sundance Trail Guest Ranch
For your family vacation, this is dude ranching at its best! Horseback ride on the endless Rocky Mountain trails of the Roosevelt National Forest on a horse matched to your skill level; or hike, fish, raft white water, climb rocks, jeep trip, or just snooze in a hammock. Enjoy hearty western meals, evening campfires, or soak in the Jacuzzi.... more
Sylvan Dale Guest Ranch is located in the foothills near Rocky Mountain National Park. This is your chance to participate in real cattle drives, roundups and pack trips! Take horseback riding lessons, or go fishing, birding and hiking; plus, museums, national parks, three golf courses and a brewery are 10 minutes to an hour drive away. The ranch's... more
Cherokee Park Dude Ranch
Cherokee Park Dude Ranch's accommodations include our 107-year-old log lodge suites and six outlying cabins. All lodging units have porches with swings for you to sit upon and relax as the river flows nearby. Our kid-friendly ranch offers western activities mid-May through September. Horseback riding, river rafting, overnight pack trip,... more
Peaceful Valley Ranch is hailed as one of Colorado's oldest and largest guest ranches! This is a place where animals roam free and breathtaking mountain vistas serve as a permanent backdrop. Where horses are the best form of transportation and spending time with your family is actually fun.... more
Sky Corral Guest Ranch
Horseback riding in the Colorado Rockies is the focal point of Sky Corral. The trails will lead you to scenic overlooks of the Continental Divide, Colorado, and Wyoming. The ranch offers excellent fishing in our stocked lake. Our motto is "we'll cook'em if you catch'em." Our smaller capacity (only 30 lucky guests) provides an intimate, friendly,... more
Showing 1-9 of 9 Dude Ranches

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Focus on football
Whitnall (4-1, 4-1) at Brown Deer (3-2, 3-2), 7 p.m. Friday: If there is one thing we know about the Woodland, it's that you should expect the unexpected and that whatever happens will be entertaining. This amounts to a second chance for Brown Deer. Two weeks ago it allowed nine unanswered points in the fourth quarter and lost to South Milwaukee, 28-27. This week it gets a unique test. "This game is challenging because we haven't seen a pure passing team yet," Brown Deer coach Rob Green said. Whitnall senior Zach Sutton is the area's second-leading passer with 253.6 yards per game. The coverage skills of senior cornerbacks Ian Betts and Pietro D'Amato and senior safety Tray Palmer will be tested. May the best Falcon, Brown Deer or Whitnall, win.
At 3-1 in the Southeast Conference, Racine Horlick has matched its victory total in the league for the past three seasons. Friday the Rebels get a chance to really make a statement Friday at home against defending champion Kenosha Bradford (2-3, 2-2). Horlick entered the season with a nice collection of athletes led by junior quarterback Ricky Neal Jr., but it has been the team's ability to keep opponents off the scoreboard that has been key so far. It shut out Kenosha Indian Trail in Week 2 to snap a eight-game conference losing streak, shut out Racine Park in the second half of a 33-12 victory and held Racine Case to just six points until the final 5 minutes of a 43-20 victory. In Horlick's lone league loss, Franklin scored 28 points, but the unit kept the team in the game most of the night.
We usually aren't don't like unbalanced schedules, but the City Conference slate has a chance to play out nicely this year. Two-time defending champion Riverside is undefeated in league play as are King and Washington. Neither King nor Washington faces Riverside this year. The teams didn't play Riverside last season, either, giving them the opportunity to build their programs without sustaining a possible damaging loss to one of the league's traditional powers. We're seeing the benefit of that this season as King has improved from 5-5 in 2010 to 7-3 in 2011 to 4-0 today and Washington has gone from 1-8 in 2010 to 3-6 in 2011 to 4-1 this season. King and Washington appear headed for a first-place showdown Oct. 6. As Riverside takes care of business, chances are that we'll have undefeated co-champions in the league.
Mukwonago (3-2, 3-1 Classic 8) at Kettle Moraine (2-3, 2-2), 7 p.m. Friday: Three weeks are left in the season, and the playoff push has begun for Kettle Moraine, which has games with the Indians, Muskego and Catholic Memorial remaining. The team needs to win two of those games to reach the postseason for the first time since 2008. The Lasers must protect the ball better to have a chance. "We've just shot ourselves in the foot," Kettle Moraine coach Darnell Wiltz said. Fewer turnovers equal more chances for senior Nick Cieslak to move the ball. The senior quarterback, who is drawing most recruiting interest from the Division II level, is completing almost 60% of his passes with junior Ben Varick (12 catches, 269 yards) and senior Drew Fuller (13 for 135) emerging as his favorite targets.
Waukesha West (3-2, 3-1 Classic 8) vs. Catholic Memorial (3-2, 2-2) at Carroll University, 7 p.m. Friday: Memorial has some work to do, but it is still a good bet to win enough games to qualify for the playoffs. Matchups like this, however, provide insight into how dangerous the team will be in the postseason when it no longer plays much larger schools. Last week the Crusaders shut out Muskego in the second half of a 35-18 victory and relied heavily on the running of senior Matt Hubley and junior John Clark. The two plowed behind a line led by senior Matt Degner and junior Noah Krause for 265 rushing yards combined. "We've got to be able to run the ball," longtime coach Bill Young said. "Offensively in the second half (last week), we made a strong commitment to the run."
Milwaukee Marquette (2-3, 2-2 Greater Metro) at Menomonee Falls (3-2, 3-1), 7 p.m. Friday: We'll see how Falls handles success in the wake of its 24-21 victory over previously undefeated Sussex Hamilton last week. Contributions to victory came from throughout the lineup, but it started up front on both sides of the ball. "We were able to play physical," Falls coach John Baker said. Senior linemen Dan Bell and juniors Jackie Dewalt and Cody Marienthal were key to that effort as were senior linebackers Brian Schmit and Rajee Vasser. But that was last week. This week, they'll face a Marquette squad that needs to win two of its final three games to qualify for the playoffs. "Every week teams are always good . . .," Baker said of the league. "You have to be able to bounce back and be resilient and be strong,"
Wisconsin Lutheran (5-0, 4-0 Wisconsin Little Ten) at Slinger (3-2, 3-1), 7 p.m. Friday: You never should discount Beaver Dam, given its athletes, but Slinger appears to be the final major hurdle the Vikings to have to clear on the way to at least a share of the conference title. It plays 1-3 West Bend West next week. Watertown, which was the Vikings biggest test this season, beat Slinger, 28-0.
Two Rivers (5-0, 4-0 Eastern Wisconsin) at Kewaskum (5-0, 4-0), 7 p.m. Friday: This will be the first game of a three-team round robin between Two Rivers, Kewaskum and undefeated Plymouth during the final three weeks of the season. Kewaskum tries to become the first team to contain Raiders quarterback Brett Kasper, who leads the state with 303.2 passing yards and is completing 71% of his passes.


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Impact Extra Classes: Impact runs free classes and exciting social clubs in the morning and afternoon. Most of the activities are arranged by Impact teachers. Weekend tours around Victoria are also available.
Impact's Annual Social Events: During the year, students can have lots of fun and practise their English whilst enjoying our social events! We have great student parties, participate in major sporting events and worldwide celebrations, picnics and lots more!
Job Pack: Upon request, an information pack regarding resume preparation, job interview language & techniques, customer service, Australian workplace routines, regulations & travel information is available.


text: A potential business insurance coverage trap: the Professional Services Exclusion By Gene Killian on June 1, 2016 Posted in Contract construction, Errors and Omissions, Professional Liability When my daughter was little, we loved putting jigsaw puzzles together. We would dump the pieces on the floor and spend hours trying to figure out how they fit. Sometimes there would be a "gap" in the puzzle, and we'd eventually get frustrated and assume that we were missing a piece. But somehow, the missing … Continue Reading


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The Best Pumpkin Coffee I Ever Had
Tis the season for the taste of pumpkin to evade everything we taste. And I have found the Holy Grail and it is at DD.
Tis the season for the taste of pumpkin to evade everything we taste. And I have found the Holy Grail and it is at DD.
If you're picky about where you get your cup o'joe, then you may want to pack your bags.
You may not be able to start your day without a cup of coffee to get you moving, but chances are there was a time when drinking a cup o' joe turned your stomach inside out.
Nothing feels as good as a nice cup of coffee. And we do mean nothing.
How do you market a movie that is a re-make and want to get people's attention. Why not pull a prank? How do you know it will work? More people believe in the paranormal than ever before.
If you drink coffee for a little pick-me-up, you should know some brands will pick you up a little higher.
There's nothing like a little poop to prevent you from being pooped.
Ever heard the expression "that and a dime will get you a cup of coffee"? Well, not that long ago a cup of coffee did cost a dime. (And you can still get a cup for well less than a dollar in many places.)
Of course, Starbucks began blowing the lid off the coffee price structure about 15 years ago. Now the average latte at the ubiquitous chain costs around four bucks. And if java lovers want a Grande-sized cup of Starbucks' newest coffee, Costa Rica Finca Palmilera, they will have to shell out $7.
Coffee lovers, rejoice! In addition to helping jump-start your morning, a cup of Joe may also improve brain function, specifically the part of your noggin that controls the recognition of positive words, says a new study.
You might want to reconsider that second or third cup of coffee; Researchers have found a link between coffee and increased chances of developing Glaucoma - which can lead to blindness.
Following a tradition they started in 2000, 7-Eleven stores are running their own unofficial presidential poll. Customers that order their java from now until the election will be faced with a question and three choices; The question is what cup they want their coffee in - a red Romney cup or a blue Obama cup. Undecided customers can vote to choose a purple cup that contains a vanilla-flavored Slurpee.
Having coffee in the morning can help you for the rest of the day, not just the jolt of waking up when you have breakfast. A group of scientists, and I would assume coffee lovers, found that it will help you deal with the pain of working at a computer.


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From The Clinic Cat(s)'s Catster Photos[ View profile page ]
Leave A Comment | 2 people already have
What a cute picture. Look at all those cute gray kitties.
Very cute little kittens. Looks like Mom's doing a good job!
Leave A Comment | 2 people already have
June 23rd 2011 at 10:40 pm
June 24th 2011 at 6:35 pm
Copyright © I-5 Publishing, LLC. All rights reserved.


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It's wonderfull!
Belle image ! Bon travail ! Félicitations ! dommage pour le tatouage !
wild goddess...
Simply fabulous!
great posture by a fine model...great lighting...great model and JUST PERFECT PHOTOGRAPHY! thanks & God bless you...
Very stunning! A very impressive shot!
the expressiveness of the picture is excellent
Love this pose, color is great, very old world style back ground. beautiful model
extraordinary image
Dramatic work!
A very powerful yet feminine image. Stunning
WOW!!!!! Absolutely BEAUTIFUL!!!!!! keep-em coming!


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Jordan 12 The Master,The Master 12s
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March 28, 2003
Orient Lines' Crown Odyssey-nee-NCL's Norwegian Crown is getting ready to go back to its, er, maiden name. The ship, which will be transferred from Orient Lines to parent company NCL this fall, has already undergone its Freestyle-style refurbishment though the actual handover won't occur for six months. Among the added features on the "new" Norwegian Crown, which will debut from its autumnal seasonal homeport in Baltimore, are three new restaurants (giving the ship a total of six): NCL's signature Le Bistro, The Pasta Cafe and Chopsticks, with an Asian theme. Other areas overhauled during the ship's February drydock include an expanded Lido Bar, a renovation of its Monte Carlo Court Casino, and a complete re-do of its Mandara Spa. Added is a new teen and children's center. In the stateroom arena, there are four new penthouses. And the ship's hull has received a spiffy new coat of white paint. Since Norwegian Crown is not slated to join, officially, the NCL fleet until fall, it has returned back to Orient Lines for spring and summer cruising. Currently, the ship is in the middle of a 52-day Mumbai/Bombay-to-Rome itinerary and will spend the summer in the Mediterranean.


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Mediterranean Chickpea Salad
Sponsor recipe courtesy of Goya®
Next time your family is in the mood for a vegetarian entree, try this fresh, bright chickpea salad recipe. It's simple. Just open a can[ of GOYA® Low Sodium Chick Peas! Toss with sweet cherry tomatoes, crunchy cucumber, and cubes of soft, creamy Mozzarella cheese. A splash of buttery GOYA® Extra Virgin Olive Oil and a drizzle of tangy lemon juice make this sunny, Mediterranean Chickpea Salad a delicious lunch or dinner, any day of the year.]
- 1 can (15.5 oz.) GOYA® Low Sodium Chick Peas, drained and rinsed
- ½ pint (about 5 oz.) cherry tomatoes,quartered (about 1½ cups)
- 1 cucumber, seeded and chopped (about 1½ cups)
- 4 oz. mozzarella cheese, cut into ½" cubes (about ½ cup)
- ¼ red onion, finely chopped (about ¼ cup)
- 2 tbsp. coarsely chopped fresh parsley
- 1 tbsp. GOYA® Lemon Juice
- GOYA® Adobo All-Purpose Seasoning with Pepper, to taste
- ¼ cup GOYA® Extra Virgin Olive Oil
In medium mixing bowl, gently stir together chickpeas, tomatoes, cucumbers, cheese, onions and parsley until combined; set aside.
In separate medium bowl, stir together lemon juice and Adobo. Using whisk, add olive oil in slow steady stream, whisking constantly until oil is well incorporated.
Toss olive oil-lemon dressing with reserved vegetables until coated completely. Serve chilled or at room temperature.
Sponsor recipe courtesy of Goya®
Cooking Tips
More Recipes and Ideas
Chickpea Flatbread With Parsley-Olive Salad
Recipe courtesy of Food Network Kitchen
Smoky Bacon and Bean Salad
Recipe courtesy of Rachael Ray


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Choosing a credit card
With hundreds of different credit cards to choose from, the UK has one of the most competitive credit card markets in the world – but choosing the right card for you can be time consuming.
Different cards suit different people. The best card for you will depend upon how you intend to use it. Before you choose a card you should consider your reasons for wanting it along with how you intend to use it.
Check out the card's Summary Box on the credit card's marketing material or on your credit card statement. The Summary Box is the industry standard way of presenting the key features on a credit card (including fees and charges).
Over the last decade, the cards industry has worked on a range of initiatives to improve transparency and promote responsible lending.
Before choosing a credit card, it is worth asking yourself the following questions.
What do you want your credit card for?
- To enable you to buy goods and services without the need to carry cash in your pocket.
- To spread the cost of spending over a number of months.
- To take advantage of special offers.
- For emergencies – as a standby to give you easy access to credit if you need it.
- To support a charity or other organisation.
- For use in certain situations such as abroad or for online purchases.
What are the most important features for you?
- The interest rates – for purchases, balance transfers, cash advances and credit card cheques.
- The length of the interest-free period for purchases.
- Incentives and benefits such as cashback, rewards or loyalty points.
- Being able to manage your account online.
- Using your credit card when you are abroad.
Once you have determined what you want a credit card for, and which benefits are most attractive to you, you can start to compare cards - think carefully about your choice before committing to one card or another.
Asking yourself the questions below may also help – be completely honest in how you expect to use your card.
Will I usually pay-off the balance in full each month?
If you intend to clear your credit card bill in full each month then the interest rate for purchases is less important for you as you will not usually incur any interest at all. You should consider the annual fee (if there is one), the length of the interest-free period and perhaps any rewards or cashback offers.
Will I borrow occasionally?
If you intend to borrow occasionally on your credit card then the interest rate for purchases will be an important consideration, as you will be paying interest when you borrow. You should also bear in mind the length of the interest-free period (the longer, the better) and the annual fee (if there is one).
Will I usually only pay part of the bill?
If you intend to pay-off only part of your bill each month then the interest rate is very important, as you will pay interest most of the time. You should consider the standard rate as well as any introductory rate of the credit card.
Will I use my card to get cash advances?
If you intend to use your credit card to get cash advances then you should consider the interest rate and fees for cash advances. Typically, credit cards have a higher interest rate for cash advances than for purchases, and are usually a more expensive way of obtaining cash than a current account using a debit card. Furthermore interest is normally payable from the day you obtain the cash advance - there is no interest-free period as there is for purchases.
Do I want to buy a number of large value items that I can pay-off over a number of months (e.g. when furnishing a house)?
If you are intending to buy a number of large value items that you can pay-off over the future months then consider whether a card with an introductory interest rate would be suitable. If you plan to use the card after the initial period, and anticipate that you won't pay-off the full balance each month, then you should also pay attention to the standard interest rate.
Do I want to reduce the interest payments on my existing card(s)?
If you want to reduce the interest payments on your existing card(s) then consider transferring your balance to a new card with a lower interest rate for balance transfers. Check what interest rate is offered for balance transfers and any related fees. If you plan to use the card after the initial period and anticipate that you won't pay-off the full balance each month then you should also pay attention to the standard interest rate.
Do I travel abroad often and rely on my credit card to cover my expenses whilst I am away?
As well as the interest rate, you should also be looking at the fees for transactions in foreign currencies and fees on cash withdrawals. If you want to obtain foreign currency you may also want to compare these costs with your debit card.


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$189.99 Durable 4PC Patio Furniture Set Cushioned Outdoor Wicker Rattan Garden Lawn Sofa +FS
Ebay offers Durable 4PC Patio Furniture Set Cushioned Outdoor Wicker Rattan Garden Lawn Sofa for $189.99 with free shipping.
Product Description:
This Is Our 4 Piece Cushioned Patio Set, Which Are Of Contemporary Looks And Flavor, Offers Comfortable And Exceptionally Stunning Outdoor Lounging .It Will Be A Great Addition To Any Outdoor Living Space. The Sofa And Chairs Feature Exquisitely Woven Wicker With Gently Slopping Curves And Soft Yet Supportive Cushioning. The Seat Cushions Are Designed To Resist The Elements And Stay Beautiful Through Years Of Use. What's More The Table Features A Tempered Glass Top.It Is Perfect For The Pool Side, Deck Or Patio, These Cushioned Seats Will Let You And Your Guests To Sit Back, Relax And Enjoy The Great Outdoors.
Thanks Maggie
Category: Sports & Outdoors
Posted on 16 August 2016, 06:28 AM


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2013, Crammed Discs
2013, Crammed Discs
2013, Crammed Discs
2015, Crammed Discs
2009, Universal Music
NEDIYA Wet rose. Go to my lover as a present. Wet lady rose. Let me see him. I'll capture his shadow I'll carry it on my skin. Wet rose go to my lover as a present.
BEIRUT People are drinking along the road People are playing brave and bold. They bet on horses they scout ghosts, They wear temptation, They cruise around, They fool around and that's Beirut. Beirut, a flower out of its season, her beauty, her good old days, what an end what a waste it withers. There is no hope left, that's how it went, the camel kneeled, his leg was sealed. Redeemed and dammed, all unemployed, they cast the spell, and that's Beirut. Beirut, a flower out of its season, her beauty, her good old days, what an end and what a waste it withers.
BALA TANTANAT we hear rhapsodies, vultures singing the same old tune. We crave for answers, but we see our soil become more gloom. Stop your bell-sounding your clangs and your bleeps. Peacock days are over. We known your tales we've heard all your booms. You screwed us up, now we're dead and doomed. Stop your bell-sounding your clangs and your bleeps. Peacock days are over. Ol'Good people have some mercy. All that's needed is all the patience there is. By god. All that's needed is all the patience there is. Stop your bell-sounding your clangs and your bleeps. Peacock days are over.
YA NASS People. Show me the way to the path through the clutter. For the black ocean took him that day. I'm wrapped in sorrow I'm strained. His beauty haunts me I can't kepp the memory of him at bay. Does my love upset you, do you want to see me broken? I have chosen to thrive. I know from his birthmark that he will be kept alive.
DENY Short nights revive memories, of his smell, resin wood. I feel his breath on my ears. Short nights clear the void, those cracks and holes I feel restless. Never mind the distance I still feel his breath on my ears.
ALEB I have heart failure, high blood pressure. A diseased liver, discomfort all over. I panic, I get frenzy whenever I paw my liver. I have compulsions, I have delusions if my blood pressure swerves I'm full of confusions. When I read of an illness I assume I have it and then I obsess over my blood pressure by habit. I'm weary I'm wasted and I am strangled. I am a lost case, even in my sleep I'm entangled I gather evidence and symptoms I know I feel them. If my doctor's off duty, then I definitely know I have them. I am the lonely I am the isolated I am the homesick. All that matters. Bad luck by nature I am so knotty and silly. Whatever I do just turns out to be so sticky. I feel cranky grumpy I am an eerie. My heart starts pumping I can hear the fury. When I breathe on my back it can get very zany. I feel back flashes crawls I feel stings in my tummy. My whole body strains i become very dizzy. I am the lonely I am the isolated I am the homesick . All that matters.
SAMAR Shine on, silver moon. Stars prancing around you in swoon. I long for your cool warmth. Your fire banished sleep from my eyes. Hums and murmurs. Such a teaser. Such a pleaser.
HAL I live it full I live it all. Yearning for you. I tried and failed to leave you. I learned to play the game. For the joy and the pain. I'll always praise you. Nights are filled with ghosts like you. My poor heart .With the pain of absence. I am helpless. When love strikes.
Yasmine draws from the repertoire and attitude of great Arab women singers from the middle of the 20th century, including some little-known or half-forgotten figures, such as Aisha El Marta, Nagat El Saghira, Asmahan, Shadia, Mounira El Mehdeyya and many more. Yasmine (who is an avid collector of records from that era) is inspired by these women, by the mischievous sensuality of a period of freedom and emancipation in the history of Middle-Eastern societies. While Yasmine's vocal are definitely connected to traditions of Arabic music (to which she takes a personal, unconventional and fresh approach), the structures and arrangements of the songs are very remote from its codes. They might be described as a kind of elegant, mutant strain of electro folk pop, mysteriously springing from somewhere in the Persian Gulf... with acoustic guitars, vintage synths, spellbinding atmospheres and Yasmine's multi-faceted, wonderful voice.
On www.yasminehamdan.com you will find links to other web sites. We hereby emphazise that Yasmine Hamdan has no influence on the current and future design, layout and contents of the linked pages. Therefore, Yasmine Hamdan is neither taking any responsibility for incorrect or incomplete contents nor for the quality of the information on the linked web sites nor for any content of those pages.


text:
For Booking Call 330-714-6643 or email email@example.com
June 26th, 2010
I chose John because he had the best look,sound & moves of all I reviewed. I wanted to surprise my wife, Elaine, for her birthday. Elaine & her family are big Elvis fans,he needed to be very good. Karen made sure John's entrance was a surprise. Was it ever!! Elaine recognized him as Elvis immediately! John's voice truly sounds like Elvis. Elaine: John's performance was nothing short of spectacular! The era he chose was perfect! He looked like Elvis, sang very much like Elvis, and had a great knowledge about Elvis and gave background and history about Elvis' songs and life.
Thank you John and your wife Karen for a fabulous show!
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No Lip-syncing ever - All vocals by John Jensen
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text:
Why do I feel exhausted after a frustrating dream?
Any time I have a dream about frustration or worry, I wake up with a tension in my body, mostly along my torso. Most of the emotional pain is near my Solar plexus (fifth chakra) and my heart (fourth chakra). Why do I have this tightness and exhaustion? And does anybody else sometimes get the same feeling after a dream?
Posted On 30 May 2010


text:
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text:
HACKENSACK, N.J. (CBSNewYork/AP) — Four men have been arrested in a shooting that left a Fairview man dead in his apartment Saturday night.
The suspects were robbing the participants of an illegal card game when one of them opened fire, Bergen County Prosecutor John Molinelli told reporters, including WCBS 880's Marla Diamond.
Jeronimo Lopez, 50, the operator of the card game, was fatally shot in the kitchen of his Walker Street apartment around 10:45 p.m Saturday, officials said.
"This is something that criminals look to target because we usually do not get complaints from the operator of the card games," Molinelli said.
Molinelli said Lopez had hosted a number of card games, which many locals knew about. Friends of the victim said he held the games to raise money to return to his native Guatemala, Diamond reported.
A couple of the 11 players in Saturday's game were pistol-whipped, Molinelli said. All were robbed of their jewelry, cellphones and a total of about $1,800 in cash, the prosecutor said.
Evens Dumas, 20, of Irvington; Blonson Florestal, 19, of Irvington; Keshawn Malone, 21, of Irvington; and Jose Rivas, 25, of West New York, each face a number of charges, including first-degree murder and first-degree armed robbery. Authorities believe Dumas was the triggerman.
"We believe the victim probably was not interested in giving up his money, but we don't believe there was anything done by the victim that would have prompted Mr. Dumas to fire the weapon," Molinelli said.
The suspects are each being held on $2 million bail and are set to appear in court Thursday.
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(TM and © Copyright 2014 CBS Radio Inc. and its relevant subsidiaries. CBS RADIO and EYE Logo TM and Copyright 2014 CBS Broadcasting Inc. Used under license. All Rights Reserved. This material may not be published, broadcast, rewritten, or redistributed. The Associated Press contributed to this report.)


text:
erfüllen · fertig stellen
to accomplish {Verb}
erreichen · leisten · schaffen · durchsetzen · erfüllen · verwirklichen · vollbringen · vollenden · bewerkstelligen · ausrichten · fertig bringen · fertig bekommen
to accomplish
ausführen · verrichten
accomplish: carry through · execute · carry outmehr (9)
Englisch-Deutsch Übersetzung für "accomplish"
"accomplish" Deutsch Übersetzung
accomplish (auch: to satisfy, to suffuse, to perform, to implement)
This is the task which we will have to accomplish in the years ahead.
And then we shall have numerous other tasks to accomplish next year.
We are eager for them to accomplish their task in accordance with international law as soon as possible.
to accomplish {Verb}
to accomplish [accomplished|accomplished] {Vb.} (auch: to achieve, to obtain, to manage, to get)
And they go through these amazing mental gymnastics to accomplish this.
He said, "Hell, we ain't got no rules around here, we're trying to accomplish something."
We – and by that I mean the old and new Member States together – must aim to accomplish a social Europe.
So, is there a better way to accomplish that goal?
If we accomplish this breakthrough, I will be the first to extend my best wishes to Mrs de Palacio in this connection.
to accomplish [accomplished|accomplished] {Vb.} (auch: to render, to do)
We must formulate clear short- and long-term strategies for what we wish to accomplish, and how.
We cannot ask more from the candidates than what we can accomplish ourselves.
We have few historic moments to celebrate, but we had a great many practical and difficult tasks to accomplish.
The rebuilding of the homes, factories and infrastructure that have been destroyed in the affected areas will take years, and people will not be able to accomplish it on their own.
I took part in the proceedings of the Convention and can vouch for the high quality of the work it accomplished.
to accomplish [accomplished|accomplished] {Vb.} (auch: to get, to floor, to bundle off)
First, the Treaties provide for the creation of an internal market in the energy sector, which must be accomplished.
Overall I believe the Union has created and accomplished a great deal in making for a cleaner Europe in these last six months.
to accomplish [accomplished|accomplished] (objective) {tr.V.} (auch: to enforce, to leaven, to achieve, to assert oneself)
As Mr Koschnick said at the hearing held by the Committee on Budgetary Control, ' I was able to make all the decisions but accomplish nothing. '
We know you to be a very fair and experienced President, and we want to continue to work with you in accomplishing internal reform.
to accomplish [accomplished|accomplished] (perform) {tr.V.}
This is the task which we will have to accomplish in the years ahead.
And then we shall have numerous other tasks to accomplish next year.
We are eager for them to accomplish their task in accordance with international law as soon as possible.
to accomplish [accomplished|accomplished] (perform) {tr.V.}
He has worked tirelessly to accomplish all the objectives he had set for himself and for the bank at the beginning of his tenure.
Even with our laborious procedures in the Commission, we do not need a force of 60,000 soldiers to accomplish our objectives.
They couldn't stop talking about all the things they did in 1950, all the things they were planning to do in 1950, all the dreams of what they wanted to accomplish in 1950.
However, in order to accomplish flexible use of the airspace, the military airspace users must be involved in the daily decision-making processes in the Single Sky committee.
Most of this has been accomplished in a short period of time by working closely with the Group Executive Board and the Board of Directors.
He is the President of the Commission: he is in a position to accomplish things, he can take steps to make them law.
Mr President, the Baltic countries have accomplished a mammoth feat in a short time.
And somehow all that content of consciousness is accomplished by the busy activity of those hoards of neurons.
Larry Brilliant: Should we feel good, or should we feel bad that 50 years of foreknowledge accomplished so little?
The mutual recognition principle must be allowed in each Member State until such time as that is accomplished.
to accomplish [accomplished|accomplished] {Vb.} (auch: to achieve, to complete, to finish off)
Mr Solana speaks as though the European Union common foreign and security policy is an accomplished fact.
The international community has thus indicated that it rejects any act accomplished by force.
It is accomplished!
It is accomplished.
Action to incorporate equality will have been accomplished when equal opportunities and equal rights are included in all the regulations and policies of the European Union.
to accomplish [accomplished|accomplished] {Vb.} (auch: to achieve, to manage, to bring about, to carry out)
I do not know how he intends to accomplish that.
In order to accomplish this, we seek dialogue.
Durkheim wrote about a set of intense collective emotions that accomplish this miracle of E pluribus unum, of making a group out of individuals.
to accomplish [accomplished|accomplished] {tr.V.} (auch: to achieve)
to accomplish [accomplished|accomplished] {Vb.} (auch: to achieve, to manage, to bring about)
to accomplish [accomplished|accomplished] {Vb.} (auch: to achieve, to manage, to bring about)
to accomplish
to accomplish (auch: to achieve, to explain, to export, to effect)
Google Website Optimizer can help you test how well various pages work in getting your visitors to accomplish a specific goal – such as purchase a product.
to accomplish (auch: to carry out, to execute, to achieve)
Synonyme (Englisch) für "accomplish":
© Princeton Universitycarry through · execute · carry out · action · fulfill · fulfil · achieve · attain · reach
Ähnliche Übersetzungen
Ähnliche Übersetzungen für "accomplish" auf Deutsch
Beispielsätze für "accomplish" auf Deutsch
At the same time, we have major tasks ahead of us that have to be accomplished.
We were able to accomplish a lot of work in a relatively short timeframe," he says.
In order to accomplish these projects, sufficient means are indeed necessary.
The Commission is quite prepared to investigate how this could be accomplished.
We must be prepared to talk and listen, because there are many tasks to accomplish.
To accomplish this, place a " " (backslash) before the normal brackets.
In the years immediately ahead we have three important tasks to accomplish.
But too many rules prevent accomplished jazz musicians from improvising.
To accomplish this, you must define empty groups and character strings.
My group congratulates the Ombudsman on the work he accomplished in 1999.
However, I agree with Mr Caudron that there is still much to be accomplished in that area.
It gives me great satisfaction to see what work has been accomplished.
The most significant task still to be accomplished relates to the Balkans, of course.
Since we both are accomplished cyclists, this will undoubtedly be appreciated by Parliament.
How enduring, our bland fatal assurance that reflection is righteousness being accomplished.
I therefore believe some humility was needed to accomplish this painstaking task.
That is what we must accomplish in this debate, that is the result we must pursue.
Well, if you were trying to get her to notice you mission accomplished.
We would like to thank the rapporteur for his accomplished work on the report.
It achieved a substantive change-over to democracy, which Turkey has not accomplished.
Neue Englisch-Deutsch Übersetzung vorschlagen
Kennst Du regionale deutsche Redewendungen? Oder weisst Du vielleicht eine gute deutsche Übersetzung für einen bestimmten englischen Ausdruck? Wenn ja, dann kannst Du hier Deinen eigenen Beitrag zum Englisch-Wörterbuch leisten.
Neueste Wortvorschläge von Nutzern: Schwimmhaut, Kaschemme, Luftbrücke, Taufzeuge, Waldläufer
Ähnliche Wörter
accommodativeness · accomodation · accompanied · accompanies · accompaniment · accompanist · accompanying · accompanyist · accomplice · accomplices · accomplish · accomplishable · accomplished · accomplishes · accomplishing · accomplishment · accomplishments · accord · accordance · accordant · accordantly
Schaue im Dänisch-Deutsch Wörterbuch von bab.la vorbei.


text:
what does thunder sound like download snIx free file
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Any marketing strategy or program
has two main points –
has two main points –
these are promoting some products
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and gaining new clients.


text:
Rosco Barrel Swivels
Rosco® Barrel Swivels are used to prevent fishing line from becoming twisted, which can cause stressed, frayed, weakened or tangled line. Swivels can also be used to link two pieces of line together, or to attach a line to a leader. Very durable, Rosco Swivels will pivot freely and are made with anti-corrosive material to avoid freezing up.
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text:
CodePlexProject Hosting for Open Source Software
I've been developing something for my volleybal club. The commity's are working with Excel because most of these know how to work with this.
There are different excel file's but there is one with a memberlist and there is a excel with all the teams.
The memberlist has a column with birthdate/start membership date like: 15-1-1998
The team excel has the start-/stoptime from the training like: 19:00
I read this excel rows row by row and put them in a MySQL database. The reading of the text-/integer/float cells is working fine, but the cell with the date or time not. (btw. it goes already wrong by reading the value, it has nothing todo with the MySQL
column definition! It's already wrong before I write it to the database)
For example:
Date value is something like:; 19098
time value is something like: 0,81944444444444 and a few of them has also the value as I expected like: 22:00
Here is a peace of the code:
foreach ($cellIterator as $cell) {
if (!is_null($cell)) {
//echo ' Cell - ' , $cell->getCoordinate() , ' - ' , $cell->getCalculatedValue() , PHP_EOL;
echo '', $cell->getCalculatedValue(), '	' , PHP_EOL;
//echo '', $worksheet->getCell('G2')->getCalculatedValue(), '	' , PHP_EOL;
$imp_data[$ic] = $cell->getCalculatedValue();
$ic = $ic + 1;
I have also set: $objReader->setReadDataOnly(false); , and I have put it to true as well but it make's no difference. I have read the documentation but maybe this has nothing todo with the getCalculateValue() method?
Has anybody an idea how to read cell value's from cells with date or time masks? Or do I have todo it in a complete different way/solution?
Either you use getFormattedValue() instead of getValue(), which will give you a string matching the format mask of that cell value; or you pass the result of getValue() to the date/time conversion methods in the PHPExcel_Shared_Date class (such as the ExcelToPHP()
or ExcelToPHPObject() methods) which will convert 0.81944444444444 to its PHP equivalent timestamp value or DateTime object, and then you can use normal PHP date formatting methods.
Thereis a whole section of the PHPExcel Function Reference documentation devoted to working with dates and times, which also explains how Excel uses a value like 0.81944444444444 as a time value.
Hello Mark,
Thanks a lot, with the getFormattedValue at least the time is working and all the other fields are also still right. The time is most important.
The date is for this moment less important but is not correct due the format.
The Excel value is for example: 14-04-1952. The getFormattedValue() is: 14 April 1952.. My database field is 'DATE' standard value: none --> but all the values are 0000-00-00 in the database. So I have to format the value with the date statement. But
this has nothing todo with PHPExcel itself.
Thanks so far.
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text:
scroll to top
Stuck on your essay?
Get ideas from this essay and see how your work stacks up
3 Pages
A Brief Biography of Ho Chi Minh a Founder of the Indo-Chinese Communist Party and a President of North Vietnam
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Pages: 3
Word Count: 1,281
Category: World History and Cultures
Word Count: 1,281
Pages: 3
VIETNAM Ho Chi Minh As the founder of the Indo-Chinese Communist party in 1930 and president of North Vietnam from 1945 to 1969 Ho Chi Minh led the longest and most costly 20th-century war against colonialism His whole adult life was devoted to ending French and later American domination of Vietnam His goals were achieved in 1975 six years after his death when the last Americans left South Vietnam The Vietnamese communist has always claimed that Ho Chi Minh was the hero who gained independence for Vietnam from France There is no doubt that Ho Chi Minh was a man of undoubted bravery and vast subbornness Ho Chi Minh was born as Nguyen Tat Thanh his given name on May 19 1890 in Hoang Tru Vietnam French Indochina He attended school in Hue during his teen years he worked as a schoolmaster for a time and went to a technical school in Saigon In 1911 he went to work on ocean freighters which took him around to Africa and as far as Boston and New York City After two years in London from 1915-1917 he moved to Paris and remained there until 1923 At Paris he became a socialist and organized a group of Vietnamese who were living there in a protest against French colonial policy He was then later inspired by the successful Communist revolution in Russia that he went to Moscow in 1924 and took part in the fifth Congress of the Communist International His anticolonial views kept him from returning to Vietnam until the end of World War II He spent much of his time in China where he organized the Indo-Chinese Communist party on February 3 1930 It was up until the 1940s that he began to use the name Ho Chi Minh meaning Ho the Enlightener In 1941 Ho and his comrades formed a league for the independance of Vietnam or Vietminh Following World War
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text:
Ring Ring… bike delivery!
Saw this lovely burst of colour whizzing by, delivering a parcel, and I just had to stop him! He spent the day riding through snow, sleet, rain and finally some sunshine. Didn't seem to phase him 🙂
…Go DHL!
The top 3 loved photos on our Instagram this month are…
Double Dutch
If you follow us on Instagram, you might have seen this already. It got so much love on the social media networks that we thought it deserves its own post on the blog.
So, here you go. This is how it's done.
Original Amsterdam. Original cool.
This guy is 100% Amsterdam. Riding one-handed along the beautiful Amstel, cruising with the dog, black panniers flapping in the breeze, and sporting the tweed and the slicked-back silver hair.
Seriously Amsterdam. Seriously cool.
by Meredith
Black is the new black
Although some Amsterdammers are brightening the urban landscape with their turquoise delight, on this dark and stormy Friday others are more into keeping it dark and classic. We can't have enough black coats, jeans, and boots to match our black bikes.
Happy Friday!
by Meredith
Turquoise delight!
It's officially the cold, grey, rainy season here in the 'Dam, so it's a breath of fresh air to see some colour around. This girl is rocking some turquoise locks, and has a cool bike to match! Even her backpack is smiling 🙂
How to bike in the rain
We don't need much gear for cycling in the rain – maybe a poncho if you remember to grab it as you rush out the door. Sometimes I see rainpants. Or huge capes.
Umbrellas are pretty common too – again, if you remember it. This little girl has it figured out:
- get comfy in the cargo bike
- shield yourself from the rain with a bright and super cute umbrella
- relax and let mom do all the work
Dappermarkt night
Holiday lights warm up the streets of Oost! Even on a rainy night, these folks are flying along Javastraat on their way home from work, heading out with friends or just running errands.
By Sarah
Where did Spring go?
The mist rolls in and back go our gloves and scarves. Let's hope it's just for a day! I will miss all the layers and a good animal print.
…9 days until Spring!
By Mel.
Bare hands on the handlebars!
The Dutch word for 'gloves' is my second all-time favourite Dutch word: handschoenen. Literally translated as 'hand shoes.' Yep, that's what they are: shoes for the hands.
And just as I was getting quite comfortable toting these things around everywhere I go, it seems like it might be time to put them away (the jacket and scarf can stay handy though). Because 15ºC of sun calls for bare hands on the handlebars! Weeeeeeee!


text:
Things to Do & Event Listings in Lebanon This Week
Beirut is a vibrant city with new and interesting things to do every day. Our listings are broken down into categories so you can search for things happening today, this week or anytime throughout the year. If it's happening in Lebanon, it's happening on Beirut.com.
categoryID: 359


text:
The Lismore Hotel
No prices found through our partners. Please contact the business directly or check some of our recommended alternatives.
How has this hotel rated in the past?
Travelers also recommend:
- More recommendations
TripAdvisor Reviews The Lismore Hotel Banbury
Travel Blogs from Banbury
Sail the blue boat to Banbury Cross
... too quickly. The water rushed in, hit the back gate and I went shooting forward into the front gate. Reverse wasn't quite strong enough to stop it. Going down, with the lock emptying is much quicker but has its own tricky bits - keep forward of the cill. If the stern of the boat gets caught on this you can imagine what happens! One sunk boat! There are scary diagrams at each lock. I've posted a photo of it. We went through Somerton Lock, ...
The rebound
... can.
(and in my observational experience, it's rarely necessary to be intelligent or hard working, either).
But it seems I'm unable sell out. I just can't, and I'm starting to worry that that makes me incredibly stupid.
Anyway, it was very shortly after the worst of these rejections that I realised it was time for a ...
*It's Hope's Bday! *this is a misleading title
... to meet my mom and the lovely Julie B. at a loosely planned meeting time/place. I only had to wait about 4 minutes before the Grand Taxi pulled up, conspicuous only because of the "Hannah!" I heard from behind followed by the emotional sight of my mama waving to me from the window. I had been so tied up in the impending goodbye, I was completely caught off guard by the tears at hello. There really is nothing like seeing your mom and aunt climb out of a cab ...
Broughton Castle and Star Wars shirts
... final exam results, and our PAs and activities directors all did really well (three 2.1, and one 1.1), so we had a little celebration. Thomas and I taught the Brits the Cupid Shuffle, which they'd never heard of, so they'll be prepared if it gets played tomorrow at the dance. I don't think they were impressed with it, but Thomas and I had fun. The dance tomorrow is a "neon rave" theme. I went out today and found neon pink stretch pants and a glow ...
Drive My Car
... on our route. This was very cool and so much more impressive than we all thought- this was worthy of a full day of time, although we could only spend a few hours. We definitely didn't see everything. We had to get moving as we had to be in Banbury by 4-6pm for arrival at our Bed and Breakfast - Uplands House. Far into the country this is a beautiful home beside a farm. We were greeted by the proprietor, Poppy Cooksy, who showed us ...


text:
Rails Kendra Top
Rails Kendra Top
Description The perfect plaid for every wardrobe. Wash cold
It all started in 2008 with just a single hat. Jeff Abrams began Rails in Los Angeles with the accessory and since then is has developed into a full line of clothing and accessories for men and women. Drawing inspiration from international influence, Rails delivers contemporary basics that are always timeless and effortlessly wearable. Each and every piece is both elevated and relaxed with an emphasis on flattering fits, easy-to-wear silhouettes and super soft fabrics. Seriously, these are the softest tees you will ever wear.


text:
NXP Semiconductors (NASDAQ:NXPI), based in the Netherlands, has a large equity capitalization of nearly $15 billion, up from just under $11 billion since my first article about it on December 4th. While it offers several lines of products to customers in different industries, secure and safe connections are emphasized overall. Key business involves payment technologies, including credit cards and also mobile devices; automotive; and cloud security.
In terms of growth, the corporation's focus is on High Performance Mixed Signal ("HPMS") chips, comprising the Automotive, Identification, Industrial & Infrastructure, and Portable & Computing segments. Its Q4 Investor Presentation forecasts HPMS to accelerate at least 50% faster than the market.
One thing that is particularly likable about NXP as an investment opportunity is the diversification of its revenue base. As shown in the chart below, HPMS, accounting for roughly 74%, is well-dispersed across segments (Source: Q4 Results).
Multiple lines of robust business appear to outweigh concerns about manufacturing losses that are anticipated to get worse, private equity overhang, and the firm's ability to keep up with blistering expectations.
NXP is the leading semiconductor supplier in China, and is currently witnessing disproportionate acceleration of earnings there in combination with developing countries.
The company is credited with inventing near-field communication ("NFC") technology, enabling contactless transactions within a close proximity, and might be most easily identified with it, despite the fact that it is only responsible for a single-digit percentage of revenues. NFC, though not presented as a central reason to invest in NXP, should be continuously helpful to the company and serves as a prelude here.
Android (NASDAQ:GOOG) devices use NFC, iOS (NASDAQ:AAPL) does not. NXP CEO Richard Clemmer has specified and reiterated that the middle of 2014 and the fall is actually the time for a ramp-up of design wins in the space. Revenues have been declining in the area of operations that the company describes as "Emerging ID," that includes mobile transactions and authentication. However, 90% of all handsets equipped with NFC employ NXP's technology. It is a popular topic. Further, NXP is the world's leading NFC chip supplier.
Pursuant to losing Samsung's Galaxy S4 (OTC:OTC:OTC:SSNLF) to Broadcom (BRCM) last year, new competitive threats have also emerged from Qualcomm (NASDAQ:QCOM) and MediaTek. Despite them, the company has competed aggressively for the S5 and won against Broadcom. Samsung's new flagship device contains NXP's PN547 radio chip in most models.
Per the US Fact Sheet of long-time NXP customer, Gemalto (OTCPK:OTCPK:OTCPK:GTOMY), the number of smartphones that include NFC will continue growing from 35.5 million in 2012 to 250 million in 2017. The Q4 2013 Conference Call Transcript records Gemalto CEO Olivier Piou saying that NFC is the "Technology of choice and there is a strong push [to] contactless." Further, it sees contactless-enabled POS terminals and smartphones increasing 30% this year; and 86% of domestic POS terminals, or 43.4 million, should be NFC-enabled in 2017.
A March 4th, 2014 article from the Nilson Report specifies that there are "…several hundred thousand U.S. locations in which [NFC-enabled] terminals are installed but not functioning because merchants and their processors have not yet activated the devices."
Gemalto also has relevant data about Brazil (Registration required for source material). One-third of the 4.5 million POS terminals there are expected to support NFC this year. Rio Di Janeiro is hosting the Olympic Games in 2016, which should drive NFC infrastructure development. Also, 94% of Brazilian smartphone users are willing to use it for paid transactions. According to the current issue of The Economist, Brazil is one of the top five markets for smartphones in the world, and while Apple's iPhone can be obtained, it is particularly expensive.
NXP's mobile payment technologies include entire systems: NFC radio and a Secure Element ("SE," a secure device on handset and POS terminal handshake). In this interview with the company's VP of Sales and Marketing, Steve Owen, he clarifies that while Broadcom is involved in the technology, it is only on the NFC side of it and does not offer solutions that encompass security and applets.
Pursuant to the launching of Isis Mobile Wallet in November, 2013, Wells Fargo (NYSE:WFC) has recently entered into an agreement with Visa (NYSE:V). Some Coca-Cola (NYSE:KO) vending machines now accept Isis. This mobile wallet runs on an NFC-enabled phone that also has an SE, an important product offering from NXP, to safely house sensitive data.
NXP's Q4 2013 Transcript records Clemmer saying that there is a ramp-up for mobile wallet customers in 2H14. Isis is a likely client.
There is contention that Apple will use Bluetooth Low Energy and "a second interface," which should have the secondary effect of driving NFC overall, as contactless mobile phone transactions are forecast to rise from 3 billion currently to 10 billion in 2018.
NXP has gotten some attention after integrating its controller with the Android 4.4 "KitKat" Operating System used in the Galaxy S5. It "enables Android smartphone owners to use their phones to initiate a wide range of mobile applications, including payments, loyalty programs, card access, transit passes and other customized services." Host Card Emulation ("HCE") has already been implemented in KitKat. Though an SE is not needed for HCE transactions, and the S5 incidentally follows such principles; NFC controllers offer dynamic support for an SE and HCE.
MasterCard (NYSE:MA) is pushing for HCE. Similar to Bluetooth Low Energy, the technology is expected to drive faster adoption of NFC payments. Again, NFC implementation should be helpful to NXP, but is not currently a key catalyst.
Identification Segment
Reportedly, the ID business does not follow typically semiconductor cyclicality and is project-by-project oriented. Some investors view such attributes favorably. The majority of NXP's 2013 revenues (64% ex-Japan) are generated in the Asia-Pacific region, and Greater China represented 45%. Insulation from the Asia-Pacific economy adds stability to expectations for company revenues.
However, NXP also has such an enormous domestic catalyst(s) that it is difficult to imagine. Credit card companies, such as MasterCard and Visa have been moving toward implementation of EMV technology, which by virtually all accounts offers substantial improvement at eliminating fraud when the cardholder is present, in the USA. The mandated timeline for merchants to implement EMV focuses on October, 2015. Approximately 1% of cards in the USA have an embedded chip at this time. According to multiple sources, and as stated in the above-linked Transcript, NXP has 60%-70% of the future US EMV market of 1.2 billion credit cards! Not only that, NXP offers solutions to make the entire systems work, and there are 10 million card readers in the USA.
Returning to the Far East, NXP also has an arrangement with China UnionPay, established by the People's Bank of China ("PBOC") for the purpose of "…upgrading the acceptance environment of bankcards," the largest debit-credit supplier in the world. China UnionPay serves the world's fastest-growing region, with 109% acceleration projected into 2016. Again, these prospects might not be as affected by any adverse macroeconomic change there as other semiconductor businesses.
Vice President of Investor Relations, Jeff Palmer says that, pursuant to a recent review, the company believes it has about 70% of the global banking card market (Source: Q4 Transcript)!
Additionally, NXP's MIFARE is used by over 70% of the world's contactless transport systems. Its market share is closer to 85%. MIFARE products are suitable for businesses as diverse as paid parking, tolls, ticketing, and fuel dispensing. In collaboration with partners, including Gemalto, it is also used to secure university campuses and stadiums. Over 150 companies are signed up to receive its specifications.
According to CFO Peter Kelly, as recorded in the Q4 2013 Transcript, the company projects that the ID segment will have a compound annual growth rate in the mid to high-teens "over the next few years."
Automotive Segment
The automotive segment has long-term prospects. A substantial portion of R&D involves in car gadgets and entertainment and NXP has joined forces with Datang Telecom (SSE: 600198) in China in part to develop such products there.
However, the likelihood of technology being implemented that can reduce traffic and mishaps deserves emphasis. The United States Department of Transportation ("USDOT") is viewed as supporting improved vehicle connectivity. The USDOT believes improved communication can prevent accidents and save lives, as well as reduce commuting times and improve fuel consumption.
NXP is excited about vehicle-to-vehicle communications, and considers it a catalyst after 2014. A Bloomberg article from January of this year provides an overview:
By 2018, one in five cars on the road will be "self-aware" and able to discern and share information on their mechanical health, their global position and status of their surroundings…Ultimately, automakers say all these smart cars on the road will be able to drive themselves, regulations permitting, leading to less road congestion and increased traffic safety. Already, many cars offer collision warnings and even automatically steer cars back into a lane when they veer off…the number of people connected from their car will grow sixfold in 2020.
Within vehicles, NXP is active in at least three types of communication networks: Controller Area Network-Local Interconnect Network ("CAN-LIN"), FlexRay, and Ethernet.
CAN-LIN has been around since the 1990s development of LIN, and used in vehicles since approximately 2002. CAN complements the LIN bus network, and is relatively inexpensive. Its transceivers are used in sensors and actuators to operate things such as windows, locks, and headlamps. CAN-LIN systems do not require as much data, nor do they have the bandwidth to support cameras or parking assist features. NXP, a corporation since 2006, is not a member of its founding consortium.
FlexRay is a key to safe in-vehicle networking, and NXP is one of the core members of its consortium. It is faster, more reliable, and more expensive than CAN-LIN. It transmits at 10 Mbps, and is used for braking- and steering-by-wire, among other technologies.
Ethernet connectivity, which the industry is moving toward, is used as a backbone, and supports diagnostics, electronic control units, driver safety, and infotainment. NXP is one of automotive industry leaders partnering in the OPEN Alliance. Ethernet is also the technology that is believed to support future car-to-car communications. It tends to be the costliest. Delphi (NYSE:DLPH), a key OEM customer, is active in Ethernet and reports that its speeds reach 100 Mbps.
NXP has a design win earned 1.5 years ago on keyless entry with the world's second-largest automobile manufacturer (Probably Volkswagen (OTCQX:OTCQX:OTCPK:VLKAY)), and leads market share.
Additionally, NXP has won 27 of 28 mid- and high-end car radio platforms overall! It is first in the car radio market.
Another opportunity the company is researching is automotive solid state lighting (Source: Form 20-F).
Industrial & Infrastructure Segment
Pertaining to secure and fast credit card transactions, the infrastructure market share is 75% to 80%. One of the company's strengths is in cryptology and software, which lies outside of semiconductors.
In the past quarter, the corporation's High Performance Radio Frequency ("HPRF") business for base stations enjoyed modest sequential improvement. Very strong growth is expected. Other drivers include energy-efficient lighting and mobile charging.
There has been a concurrent decline in the non-core silicon tuners business. Yet, the company retains the first overall position in the market.
It also leads in Light-Emitting Diode ("LED") lighting.
The corporation has ongoing dialogue with Google about a method of safely accessing their cloud at the enterprise level. The means is a physical device that must be plugged into a USB port. NXP believes it can play a significant role in the security of access to the cloud overall in the future. It is another potential growth driver.
Portable & Computing Segment
In the Q4 2013 Conference Call Transcript the company reports a 17% sequential increase in Portable & Computing revenue, "as key wins in the high-end smartphones and tablet market continued to ramp throughout the year."
Specifically, Apple's M7 motion co-processor has gotten attention. It is a remarkable device that allows tracking of movement through input of sensors, including a gyroscope, accelerometer, and compass. There are questions about whether or not NXP has designed and manufactured the chip, or if it is merely the latter. Management says that "During the quarter, we experienced substantial growth in microcontrollers ("MCUs") related to key design wins at a strategic smartphone and tablet customer…" Given that the company had lost the Samsung S4, it sounds to me like the MCU discussed would be the M7; though it is not guaranteed.
Per its Q4 Investor Presentation, NXP occupies 11th place in market share of 32-bit ARM MCUs. The M7 uses an ARM Cortex M3, and is probably a reason.
We know that Apple has been a customer in the past. Our concern is about the segment's viability in the future. NXP leads the market in multi-protocol interface products, however, and should benefit from the emergence of wireless charging. Further, in response to a question, Clemmer adds that the P&C business clearly should continue to grow in the mid-teens.
Standard Products Segment
The market for standard products is expected to grow at a 2% CAGR through 2015. NXP is first overall within it.
Profitability has been increasing. There is a focus on improving, with an objective of at least 18% operating income levels. As such, controlling costs and expenses are the central part of the story. One reason it seems feasible is that underutilized capacity capitalized in the past had been affecting gross profit.
Corporate and Other
The remaining commercial activities are categorized under Corporate and Other. Manufacturing, including the company's foundries, fit in here: NXP has facilities in Europe and Asia that produce chips. One notable arrangement is the company's 61% ownership of a Front-End operation in Singapore through a partnership with Taiwan Semiconductor (NYSE:TSM). The rest are 100%-owned.
Some dilutive sales of products at cost to divested manufacturing businesses are attributed to declining gross profits. Revenues have been lowering, as some divested businesses no longer use facilities. It is forecast to continue in the future. Fortunately, the smallest reported portion of the company is the only probable loser across segments in the future.
A recognized loss, such as the $444 million impairment on a Taiwanese manufacturing facility recorded in Qualcomm's recent Form 10-Q, cannot be ruled out.
Growth Fundamentals
Continued growth is anticipated throughout HPMS. The following graphic shows the diversified results that NXP has been enjoying. Emerging ID, which includes a recent intellectual property ("IP") licensing deal, mobile transactions, and authentication, is not a segment and falls within Identification (Source: Q4 Results).
There are also other lawsuits alleging patent infringement, and the company's IP monetization program is forecast to add 1% to the corporation's annual profitability. Despite its 30% drop YoY even with the IP deal, the identification segment itself has continued to grow. EMV should increase its proportionate size.
The most obvious questions involve NFC. There are a number of different possibilities, including any potential implementation at Apple. Some feel that it is unlikely. Others highlight IP activity, indicating that the possibility is at least being considered. Even without Apple, there are mobile wallet customers.
The Standard Products segment could be near its bottom, and is not a probable source of growth, while Corporate and Other should decrease. The remaining 74% of revenues currently within HPMS should enjoy robust growth. According to the company's annual report, of 3,272 employees in Research and Development, 2,974 (91%) support HPMS, compared to 298 for Standard Products.
Downside Risk
Private equity firms owned 14.82% of shares on December 31st, and are likely to exert downward pressure on the stock price in the future. The company has a repurchase plan in effect, and has gained the firepower to offset redemptions somewhat. KKR, which owned 14,059,882, should still be the largest pursuant to a 5M share buyback, with an estimated 9,059,882.
If another round of institutional selling is announced in the future, it could mark a buying opportunity for the stock, as the P/E firms tend to need below-market prices in order to unload. It is notable that as long as KKR and Bain continue to hold at least 2.5% each is entitled to designate two members of the Board of Directors.
Liquidation of private equity holdings is unlikely to result in a double-digit percent decline in share price. However, the most concentrated effect would occur in the improbable event that all the sales occur at once.
There are numerous international risks, including changing currency valuations.
Several metrics can be utilized to show that NXP is undervalued in comparison to its competitors.
The most commonly cited include 2014E EPS and 2014E FCF/Share.
In response to questioning about willingness to repurchase shares, Clemmer has referenced EPS and growth rates. Further, as NXP is a large cap multinational with several lines of business, a consensus of analyst estimates is appropriate. Of the 16 polled by Thomson/First Call, their average projection for December of 2014 is $4.18 per share in earnings. (Many are looking ahead to 2015E EPS; however, while simultaneously considering a five-year growth rate, long-term uncertainties already are implicit). The stock has closed at $57.35 on March 13th. Here is a table summarizing other chip makers that overlap in some areas; though diversification from automotive to portable to identification is not easy to match:
Chipmaker Valuation Metrics, March 13th, 2014
5-Year Growth
Skyworks Solutions (NASDAQ:SWKS), Broadcom, and ON Semiconductor Corp. (ONNN) are close or better on P/E, but forecast to grow substantially slower over the next five years. The latter is the only other to trade at a lower multiple and have a higher growth rate than the average. The domestic Skyworks might also merit consideration. NXP is the bargain from this group.
Worldwide implementation of EMV is probably the most palpable catalyst. It is difficult for some companies to keep up with an exceptionally high five-year growth rate. Though 30% can probably be accomplished under capable management.
Ongoing and timely buybacks, prior to ramp-ups and increased earnings, could help with multiple expansion. It would be increasingly likely once the company gets past the overhang.
At 15.6x the consensus 2014 estimate, shares are worth $65.20, prior to the next 10 months of domestic EMV implementation. The stock is not far off its 52-week high, so there could be some profit-taking. However, it is difficult to foresee substantial depreciation unless there is an unpredictable occurrence(s).
NXP Semiconductors has diversified revenue streams, and most of them have fundamentally sound drivers for earnings growth. While EMV is the biggest catalyst, automotive and infrastructure should realize strong future possibilities. Even as the company enjoys wins against competition, it trades at a discount to it.
Disclosure: The author is long NXPI, AAPL, QCOM. 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.


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A pirate adventure that requires patience
Articles Risen 2: Dark Waters
The core story of Risen 2: Dark Waters encompasses an adventure game with role playing game elements. It uses a lot of RPG mechanics like leveling and crafting and at the same time introduces a plot that makes you think of a grand adventure.
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Risen 2: Dark Waters has a lot of great elements that are unfortunately overshadowed by technical problems. If everything was running with a smooth framerate, the game would feel a lot less of a grind. All the gameplay elements create a decent game, even when there are some unoriginal ideas, Risen 2: Dark Waters presents a decent RPG experience.
Risen 2: Dark Waters is a game specifically designed if you love pirates and RPG games.
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