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Breville Vtp068 Digital Steamer - Silver
Guide price: £29
Last updated on 3rd May 2015
Breville Vtp068 Digital Steamer - Silver
The Breville VTP068 Herb Infusion Steamer is a unique steam cooker that has a special herb infusion filter to enhance the flavour of your meals with the natural essence of your favourite herbs. This steamer has a large 9 litre capacity and a 3-tier steamer tray design that can easily cook complete meals. The Breville VTP068 Herb Infusion Steamer has a timer of up to 60 minutes and automatic switch off and timer alert functions.
An external water level indicator lets you keep an eye on the water, while the thermostat light keeps you abreast of cooking progress. Accessories include a rice bowl and a lid tray handle. All the levels are fully collapsible making storage and cleaning up easy. The Breville VTP068 Herb Infusion Steamer is great for those who love a good healthy meal and want it to be ready as fast as possible! General Information Type Automatic steam cooker Capacity (in litres) 9 litres Functions Water reservoir Yes Programming 60 minutes Light indicator Yes Noise signal yes Automatic stop Yes Other functions Herb infusion filter Other Information Accessories included Rice bowl
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text:
The Land: A Plea.
GALSWORTHY, John.
Place Published: London
Publisher: Allen & Unwin
Date Published: 1918
Description: 23pp., pictorial self wrappers. London, 1918. First Edition.Edition: First Edition
Binding: paperback
Condition: near fine
Language: English
Type: Books
Book ID: 76473
By This Author: GALSWORTHY, John.
By This Publisher: Allen & Unwin

subset: commoncrawl


text:
Dennis Rodman phoned into a Miami radio station Tuesday morning while apparently receiving oral sex.
Rodman, who called into Jorge Sedano's radio show to discuss the Miami Heat, was continually distracted and interrupted by a woman in the room with him, who said one of her names was Teresa.
When the host eventually asked him if he was "getting it on," Rodman said no.
"She's just sucking something," he said to laughs. "Sorry! I'm sorry about that. You said keep clean, right?"
Later, Rodman would say, "Ooh, that's awesome. You know dude, I am so in the mix right now!"
"I know, dude, why are you calling me then?" Sedano said. "What the hell are you talking to me for? If you've got that chick there, why the hell did you want to call me, Dennis?"
The Morning Email helps you start your workday with everything you need to know: breaking news, entertainment and a dash of fun. Learn more


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text:
September 28th, 2015
Episode 356 of 402 episodes
Wil and Charlie are in LA but still talking about the same crap as usual. Recorded a couple of hours before TOFOP live at the LA Podcast Festival.
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Welcome to the daily audio workout for your head.


text:
So there we were in the park, baby squealing gorgeously at an arty children's show, me thinking smugly what stimulating parents we were, when an acquaintance my partner hadn't seen for years came up and said "hello".
In the awkward way that men do, my partner made a vague gesture and introduced me. At this point, the man's mouth dropped open in what I can only describe as mild horror. I can't be certain what he was thinking, but my paranoia is pretty sure it was along the lines of: "God, bit of a moose, isn't she?"
And as


text:
Late yesterday afternoon H. Yvonne Coleman folded her bid for the countywide Neville vacancy, according to the Illinois State Board of Elections. Coleman had been one of five candidates in that race; all of them but William B. Raines face petition challenges.
The ISBE also reports that Michael O'Malley, who had filed for the "A" vacancy in the 10th Subcircuit, withdrew his candidacy yesterday as well. O'Malley also faced a petition challenge in that race, which is now a head-to-head race between Judge Anthony C. Kyriakopoulos and Katherine A. O'Dell. (Linda J. Pauel withdrew from this race on December 9.)
Recovering lawyer posits plausible reason for nasty anonymous comments - For the cartoon-challenged, the above is yesterday's installment of Pearls Before Swine, drawn by recovering lawyer Stephan Pastis, a cartoon which runs ...
2 months ago


text:
Thursday, December 26, 2002
Pyrim Technologies Announces The Ear Buddy
Pyrim Technologies has released a simple attachment for iPod which attaches to the back and stores your earphones when not in use. The Ear Buddy features wrap-around cable management and a pouch to store the earphones. You can take advantage of the "Early-bird Special" and get the Ear Buddy for $5.99.
"In response to demand for an easier way to carry, store and use earbuds, Pyrim Technologies has designed the Ear Buddy. The Ear Buddy can be
attached to the back of the iPod, attached to an iPod case or carried
stand-alone. "
"Pod Manager is a MacOS X application to extract music files stored on iPods. It is intuitive, easy to use and features a state of the art Aqua user interface. Being entirely MacOS X native, Pod Manager is also very fast and responsive."
- What's new in v1.3:
- Better sorting for album and artist columns
- New help file accessible from the Help menu
- Improved ID3 tags detection
- Help is provided for special cases (iPod isn't connected or recognized).
License: Shareware $7.95
System requirements: Mac OS X 10.x
For more info…
iPod case with swivel belt clip for $12
Dealmac reports:
"A reader spotted the graphite Netalog Neoprene iPod Case with swivel belt clip for $11.99 plus $5 shipping at CompUSA.com. It's among the cheapest iPod cases we've seen. "
"The premiere iPod song copying utility for Mac OS X.
- What's new in v1.1:
- PodWorks 1.1 combines bug fixes with a number of improvements prompted by user requests:
- Added proper Unicode support to enable the correct display of non-Latin characters (such as the Japanese character set).
- Added preferences to provide greater user control over file renaming.
- Reorganized menus to be more intuitive.
- Added convenience menu items to enable copies of all items or selected items without using drag-and-drop.
"The update is free to registered users, and can be downloaded from the PodWorks website.
Additionally, I am happy to announce that, by popular demand, the price of PodWorks has been lowered to $5.99."
System requirements: Mac OS X 10.2 (Jaguar) and a Mac iPod
For more info…
Tuesday, December 24, 2002
Connect iPod to Your Car Stereo
iLounger David R. emails us with information about specialized adapter cables to directly connect iPod to your car stereo. Multi Technology Equipment LLC manufactures adapters for many car makes such as Audi, BMW, Ford, Toyata, Volkswagen and more. Most factory car stereo adapters sell for $74.99 and are available for purchase at www.RCAinput.com.
"I've found something really cool for the iPod. I've got a 2001 VW Passat and have been searching (in vain) for a really elegant way to interface an iPod into my OEM car stereo system. Recently, I found a website that sells specialized cables for a variety of car makes. This cable lets you use a "CD changer" input as an AUX IN input, allowing an iPod to directly connect to your car stereo."
Monday, December 23, 2002
iPod in its Element
Honda has embraced iPod and is featuring it in a QuickTime movie to showcase the audio features of its new Element SUV. The Element features a passenger side MP3/digital-media auxiliary jack.
Refurbished iPod 5GB for $180
Deals On The Web reports:
"If you missed out on the MicroCenter deal for the refurbished 5 Gigabyte iPod MP3 player at $179.99 that we posted last week, be sure to check your local stores for stock. Although sold out online, we have multiple reports of readers finding stock at their local MicroCenter stores this past weekend."
Next: News 12.29.02-01.04.03
Previous: News 12.16.02-12.20.02
Happy Presidents' Day from iLounge
Apple plans to begin iPhone manufacturing in India starting with the iPhone SE
Rumor: iPhone 8 to eliminate Touch ID in favor of Facial Recognition
Report: Apple working on 4K for next-generation Apple TV
Apple announces WWDC 2017
Apple patent points to possible new Smart Keyboard with dedicated 'Share' and 'Emoji' keys
Jaguar announces in-car Apple Pay payment option at UK Shell gas stations
Shareholders seek more diversity in Apple upper management
Apple to fight Nebraska 'right to repair' bill
Apple eyeing another supplier for future OLED screens<
1More Triple Driver In-Ear Headphones
Revogi Smart Lightbulb, Smart Lightstrip, Smart Candle + Smart Meter Plug
Audeze iSine10 In-Ear Headphones
MOCACARE MOCACuff Connected Blood Pressure Monitor
Apple AirPods
Elgato Eve Motion
Olloclip Core Lens Set for iPhone 7/7 Plus
Logitech Pop Home Switch Starter Pack
Elgato Eve Light Switch
iHome iPLWBT5 Docking Clock Radio for iPhone and Apple Watch<
Top Five: The Best Products for Building a Smart Home with HomeKit
Instant Expert: Secrets & Features of watchOS 3
Instant Expert: Secrets & Features of tvOS 10
Instant Expert: Secrets & Features of iOS 10
Inside the betas: iOS 10 Photos gets Advanced Computer Vision
Inside the betas: iOS 10 Music app delivers 'clarity and simplicity'
Inside the betas: iOS 10 Maps gets a major redesign
Inside the betas: iOS 10 shakes up the user experience
Inside the betas: watchOS 3 promises a real speed boost
Inside the betas: A sneak peek at what's new in tvOS 10<


text:
The Construction Policies and Procedures Manual covers many aspects of a construction project including estimation, contracts, planning and billing, and more - all in editable Microsoft Word documents. Download Only.
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Employee Handbook Manual
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Procedure Writing Guide


text:
Tag: Designers - Page 9
Signage that makes a park look better, not worse
At last, outdoor signs that are informative and fun.
INDEX Awards celebrate the best designs to improve life
It's the big deal, "widely recognized as the most important design award in the world."
Clever urban furniture interventions invite play in public places
Street lamps transformed into swings, trash bins converted into fireplaces: a Dutch designer asks if can we re-imagine our public spaces into something more fun and alive?
Canoe paddles with a stylish flair
Here comes summer and a new, stylish canoe paddle might make it even better.
Shake is a Porta-potty for dogs
As people move into smaller spaces, dealing with dog waste can be a problem. Modko's latest design can help.
London's Clerkenwell Design Week has some hidden treasures in the parks
Clerkenwell Design Week is a smaller and more corporate event this year but there are still some great finds.
School of Visual Arts Students Hack Wanted Design Show
Students present an exhibit that allows visitors to experience the event in new ways.
Young designers impress at ICFF
Between the Designboom Mart, the Bernhardt Design exhibitors and the student work, young designers give ICFF its spark.
Jargon Watch: Fattelo. It's Italian for Do It Yourself, and here is a lamp to get you started
The 01Lamp is a demonstration of what we have been calling downloadable design; you can make it from a pizza box.
No, Sweat! furniture combines workspace with workout
Office suite of furniture is designed to let you take a break from your workday and get fit.
Batik teddy bears raise money for clean water in Mali
These irresistible little batik bears will help Malian villagers build a well.
NY Design/ ICFF Preview: Patty Johnson
The peripatetic international designer explains it all in Core77
Build your own log lounge chair for $30
Simultaneously modern and rustic, this fantastic chair is an entry in the Instructables Green Design Contest -- and you can make your own in less than 6 hours for $30!
NVIDIA joins the crazy Silicon Valley headquarters wars, now with triangles
Circles, squiggles, stilts and now triangles. When will this end?
Forget the Passive House, the JF Kit House keeps you active and fit.
Get a workout while you work and live, in a house that would exhaust Jane Fonda herself.
The 10 most popular design stories in April
From tiny houses to spectacular stairs, from Passive Houses to to toilets.
Goedzak ("good bag") designs a new approach to reuse
Dutch design firm Waarmakers proposes a new take on an old trick, and gets us pondering the best options for stuff we no longer use.
Wind-activated garden lights from the Instructables Green Design Contest
A clever entry in the Instructables Green Design Contest is this set of wind-powered garden lights that twinkle with the breeze.


text:
BARACK OBAMA BIRTH CERTIFICATE: Suit contesting Obama's citizen...
There are 237208 comments on the Chicago Tribune story from Jan 8, 2009, titled BARACK OBAMA BIRTH CERTIFICATE: Suit contesting Obama's citizen.... In it, Chicago Tribune reports that:The U.S. Supreme Court will consider Friday whether to take up a lawsuit challenging President-elect Barack Obama 's U.S. citizenship, a continuation of a New Jersey case embraced by some opponents of Obama's ...
Join the discussion below, or Read more at Chicago Tribune.
#138281 Jan 21, 2013
didn't wat? lol I mean different way
Since: Oct 09
#138282 Jan 21, 2013
Not a virus! Its a YouTube video the owner decided for whatever reason not to make available on mobile devices. The link said as much. No wonder youre such a fool.
Since: Oct 09
#138283 Jan 21, 2013
It was an owner decision to not make the video available on mobile devices AL.
"On Deck"
Since: Aug 08
#138284 Jan 21, 2013
Donald Trump is a goof
Since: Oct 09
#138285 Jan 21, 2013
Its my understanding that the originals "were"on microfilm and it was actual papers the ignorant birfoon was looking for. Not that it matters because all are obviously fake let the birfoon tell, but the birfoon has yet to come up with a motive for all this devilish behavior. Could it be the child has been groomed to be president since birth? Woooooooooooooooooo.
United States
#138286 Jan 21, 2013
Tried not to show for so long - Birfoonese for "almost immediately posted a scan online and allowed journalists to examine and photograph the document"
How he acted towards Trump - hey, that's right - the hairpiece claimed he had sent private investigators to Hawaii and that we wouldn't believe what they were finding. Of course the hair was all blather and has failed to actually put his money where his mouth is but how dare the President make a joke at his expense at a charity function where the entire night's events revolve around bad jokes at the expense of oneself and other attendees.
Looks guilty - to a pathetic bigoted moron stuck in perpetual "first we'll try him, THEN we'll hang him" loop
Brampton, Canada
#138287 Jan 21, 2013
How the heck can I prove you wrong, as there are no statistics or data showing that 90% of criminals or people who kill are criminals or insane? Sorry, crackpot, YOU stated that 90% of gun killers are criminal elements or "crzay" (Rogue tm reg'd). The onus is on YOU to back up your statement with facts, not up to me to find something that does not exist. Typical uninformed ignoramus birther who puts the burden of proof on those that question his lies. 90% is humongously false and fabricated. You know it, I know it, everyone including the NRA and Wnd.com know it.
Brampton, Canada
#138288 Jan 21, 2013
I just loved the way Obama trumped Trump at that dinner.
Since: Oct 09
#138289 Jan 21, 2013
The same number who's produced a certified birth certificate?
His certified BC says Barack Hussein Obama II just as he was listed on the winners ticket.
United States
#138290 Jan 21, 2013
How can you treat the Donald like that? You're obviously guilty of something!
#138291 Jan 21, 2013
Oh, really. I didn't know Trump sent people over to Hawaii. Hmm. Well, looks like we would have never have seen that birth paper if he haden don't so. Explains why Obama acted the way he did at the party towards Trump too. Well, looks like Trump actually gets things done, and calls people out on their wrong doings. No wonder Obama showed so much retaliation, and went on such a attack mode, and just kept on attacking Trump at that party like he did.
#138292 Jan 21, 2013
Yeah, you would. Since you have no class too!!
#138293 Jan 21, 2013
Gotta love this. Never gets old. The man lies way too much.
In March 2006, a Senator found the notion of raising the debt ceiling quite distasteful.
The fact that we are here today to debate raising Americas debt limit is a sign of leadership failure, he said.
It is a sign that the U.S. Government cant pay its own bills. It is a sign that we now depend on ongoing financial assistance from foreign countries to finance our Governments reckless fiscal policies. Leadership means that the buck stops here.
Instead, Washington is shifting the burden of bad choices today onto the backs of our children and grandchildren.
America has a debt and a failure of leadership. Americans deserve better.
I therefore intend to oppose the effort to increase Americas debt limit. B.H.O.
#138294 Jan 21, 2013
I don't know that Trump sent people either. If he did he certainly lied when he implied that they had turned up important information.(Which of course he has never shared with the world) Kept attacking? One joke a Don's expense?
Brampton, Canada
#138295 Jan 21, 2013
So you say.
Brampton, Canada
#138296 Jan 21, 2013
You naively wrote :# Well, looks like Trump actually gets things done,#. Yes, he sure does. Knows how to declacre bankruptcy twice, chapter 11, blame it on others and carry on business as usual. You<re absolutely right, He sure does get things done. YOU try doing that.
#138297 Jan 21, 2013
SHEEPLE. How many other pResidents have had over 100 cases filed to find out who they really were and if they were eligible for the office?
Usurper Obama is the only one that I know of.
Are you watching America's funeral?
#138298 Jan 21, 2013
Rogue Moron, you're allowed to run free and you spout virulent hate all day and have boisterously admitted to killing people before.
Think about it.
Brampton, Canada
#138299 Jan 21, 2013
Would you object telling the Topix assembled throngs when the U.S. started depending on foreign assistance to finance the govt's reckless spending, like the Afghan and Iraqi wars and tax cuts in 2001-2? When did the govt start shifting the debt burden on the back of children? 2000, 2005, 2008? I wonder. Did this senator object to GWB's increasing the debt and spending over a trillion on foreign wars? Interesting questions, don't you think? What was the amount of the surplus when Clinton turned the WH over to GWB?
Since: Oct 09
#138300 Jan 21, 2013
This document has been posted on line since August of 2008.
It was then and is now Obamas official BC which means it is the same document hell use to get a passport, social security and anything else that would require a BC to prove POB. So the notion he took so long to show his BC is total crap. And once youve seen the certified BC and dept of health officials have told you the original was on file your suspicions should have been satisfied.
Fact is youve never had a reason to suspect Obama was born anywhere other than Hawaii as his mother and father were both students there. You simply never wanted Obama to be president and have no other way of dealing with it save to otherize him. Well it did work.
And the only thing Trump showed us is how to be a complete clown without really trying. Trump made a complete fool of himself and proved beyond all doubt you dont have to be smart to be rich.
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Sony VAIO VGP-PRBZ1 - Docking station
Guide price: £150
Last updated on 6th Jun 2009
Sony VAIO VGP-PRBZ1 - Docking station
The perfect companion is designed for your VAIO BZ series notebook. The VAIO VGP-PRBZ1 allows for quick and convenient connection to peripherals. In addition the port replicator also maintains a low keyboard angle for easy typing.
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STRUGGLING SPORTSWEAR retailer JJB Sports is reported to be under investigation by HMRC over accounting errors relating to VAT mistakes.
The taxman has been looking into allegations the company wrongly charged VAT on children's clothing which is usually zero-rated, dating back as far as 2006, The Telegraph reports.
At the end of August, the struggling company said that it was in discussions with its strategic partners to discuss a sales process with Sports Direct, the most likely buyer after rival JD Sports said it was uninterested.
On 28 August, net bank debt was £16.5m, with JJB also owing £18.75m of convertible loan notes. It had drawn down £1.1m under the trade loan facility.
In the summer of last year, KPMG arranged an insolvency deal known as a Company Voluntary Arrangement (CVA) which reduces debt owed and contracts repayment terms over an agreed period of time. In order for a CVA to be approved, 75% of creditors, by value, must approve the deal.
Related reading
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At HMRC, Dmitri Surendran was responsible for leading the London team of the offshore, corporate and wealthy unit of the fraud investigation service
Moore Stephens recruits new private client partner
Mark McMullen joins the private client services team from Smith & Williamson
Fifth of micro-businesses unaware of Making Tax Digital
Research also finds that 84% of businesses believe that the government has not provided enough information about digital tax plans
FRP Advisory expands operation with new office, partner appointments
Three new partners and seven business restructuring advisers have been appointed to the new Preston office


text: On Sunday 22 April 2007, Pedro Lopez-Cabanillas wrote: > But please, > don't send more HTML messages to the list. We expect plain text only. If > you don't do so, your message may be filtered out as spam, or ignored. Not really, sforge will accept it fine (there are no real spam filters on sforge anyway, beyond very basic regexp-based blacklisting), and from a user standpoint, so will I. I used to hate HTML mail as well, until I realised that all these silly typographic conventions we use for quoting, making words *stand out*, etc... are just some dumbed down, inefficient markup. Might as well use a more efficient, standard one. -- Guillaume. http://telegraph-road.org


text:
Android Apps in One Hour for LawyersBy: Daniel J. Siegel (author)Paperback
Only 1 in stock
DescriptionLawyers are already using Android devices to make phone calls, check e-mail, and send text messages. After the addition of several key apps, Android smartphones or tablets can also help run a law practice. From the more than 800,000 apps currently available, Android Apps in One Hour for Lawyers highlights the "best of the best" apps that will allow you to practice law from your mobile device. In just one hour, this book will describe how to buy, install, and update Android apps.
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About AuthorDaniel J. Siegel, Esquire, is the founder of Integrated Technology Services, LLC, a consulting service based in Havertown, Pennsylvania, and the principal of the Law Offices of Daniel J. Siegel, LLC, with offices in Havertown and in Maine.
Product Details
- publication date: 01/10/2013
- Format: Paperback
- Number Of Pages: 146
- weight: 354
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Mike Dieffenbach
Mike Dieffenbach was born in North Carolina and grew up in Wilmington, Delaware. He is a screenwriter, director, and documentary film producer. He is known for Disjointed (2017), _Sons of Ben (2016)_qv, _Farmed and Dangerous (2014)_qv, _Accidentally on Purpose (2009-2010)_qv, and _Less Than Perfect (2002-2006)_qv. He lives in Studio City, ... See full bio »
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Jonathan: I've gone dry...
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Membership has its privileges! Sign up or sign in to gain full access to both All About Jazz and Jazz Near You. Learn more.
Nor is that all. The bittersweet ballad "Emily Remembers" is a heart-rending story of an Alzheimer's victim; it approaches folk territory in instrumentation (guitar) and feel - and in the topicality of its subject matter. "Disciples of Cain" contains a similarly wrenching lyric, this time about abuse. Folk traces appear again on "If We Had Never Met" and the harmonica(!)-based "Going Home."
Ed Bickert plays a respectful, understated guitar, ably setting off Eikhard's subtly passionate voice. Marcus Printup contributes some stellar trumpet to "Disciples of Cain" and "Nothin' Like Love." Mike Murley's bluesy sax enlivens "About Last Night." Also on hand are Bob Erlendson (piano), George Koller (bass), and Mark Kelso (drums).
No fan of jazz vocals should miss Shirley Eikhard!
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Ford EcoBoost 300 - Qualifying
HOMESTEAD, FL - NOVEMBER 17: Ricky Stenhouse Jr., driver of the #6 Cargill Ford, stands on the grid during qualifying for the NASCAR Nationwide Series Ford EcoBoost 300 at Homestead-Miami Speedway on November 17, 2012 in Homestead, Florida. (Photo by Jared C. Tilton/Getty Images for NASCAR)
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Apple announces Q1 2013 earnings: $54.5bn revenue, $13.1bn net profit, 47.8M iPhones, 22.9M iPads, 12.7M iPods, 4.1M Macs
Apple has announced record Q1 2013 earnings reporting $54.5 billion in revenue, $13.1 billion in net profit, 47.8 million iPhones, 22.9 million iPads, 12.7 million iPods, and 4.1 million Macs sold.
"We're thrilled with record revenue of over $54 billion and sales of over 75 million iOS devices in a single quarter," said Tim Cook, Apple's CEO. "We're very confident in our product pipeline as we continue to focus on innovation and making the best products in the world."
The increase in sales came from the Christmas season. Interestingly, the Mac and iPod were the only products down in sales selling 4.1 million and 12.7 million, compared to 5.2 million and 15.4 million respectively, last quarter. We expect this is because of the iPhone and iPad's dominance among the consumer market, selling 833,333 iOS devices per day.
"We're pleased to have generated over $23 billion in cash flow from operations during the quarter," said Peter Oppenheimer, Apple's CFO. "We established new all-time quarterly records for iPhone and iPad sales, significantly broadened our ecosystem, and generated Apple's highest quarterly revenue ever."
For the first time Apple has detailed revenue in China, where it saw $6.8 billion in revenue, up 67 pr cent on a year ago.
Even with the crazy numbers, investors are calling the earnings a miss. The AAPL stock has fallen almost 10 percent in after-hours trading.
Moving into the year, the company is expecting revenue between $41 billion and $43 billion for fiscal Q2 2013 (the current quarter).
Apple will be holding a conference call with investors at 10pm to talk about the quarter. Pocket-lint will be tuning into the call for the latest, where the company usually drops awesome information.
30 famous Photoshopped and doctored images from across the ages
Google is making a desktop version of its Allo chat app - see it here
Instagram albums: How to share multiple pics and videos in one post
Pokemon Go evolutions: Special items and how to evolve Polytoed, Slowking, Bellossom,...
- 30 famous Photoshopped and doctored images from across the ages
- Google is making a desktop version of its Allo chat app - see it here
- Instagram albums: How to share multiple pics and videos in one post
- Pokemon Go evolutions: Special items and how to evolve Polytoed, Slowking, Bellossom, Steelix and more
- Best Android Wear 2.0 apps for your watch: Google Fit, Uber, and more
- Mobile World Congress 2017: Nokia, LG, Samsung, Huawei, Sony smartphones and more
- Motorola Moto G5 Plus vs Moto G4 Plus: What's the difference?
- Nokia 3310 vs Nokia 3310: What's the difference 17 years on?
- Moto G5 Plus preview: A big dose of premium, without the prohibitive price tag
- Samsung Galaxy Tab S3 vs Tab S2: What's the difference?
- BlackBerry KeyOne: Release date, specs and everything else you need to know
- Huawei P10 and P10 Plus: Release date, price, specs and everything you need to know
- Sony Xperia XZ Premium vs Xperia Z5 Premium: What's the difference?
- LG G6 preview: All screen, no frame
- LG G6: Release date, specifications and everything you need to know


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Archives software to build your database of legal and historical material - physical & digital - online for public viewing, while managing the workflow from accessioning to requests.
Learn more
Give your users "one place to look" for all resources: books, manuals, reports, serials, flip-books, videos, PDF's, PowerPoints, SharePoint, e-mail. A complete ILS.
Learn more
Web-based collections management software (CMS) for a public "virtual museum" as well as for managing storage, preservation, insurance, exhibitions, and more.
Learn more
This Electronic Document and Records Management System (EDRMS) manages information governance as soon as a document – digital or physical – is filed as a record.
Learn more
Eloquent WebSuite™
We ensure a fast start by importing the legacy data you gather from various sources into your Eloquent database, giving you a single portal for all your resources. We use the WebGENCAT Toolkit to custom tailor your application and put it online for your approval – on budget and on time.
The WebGENCAT Platform provides the power to do the following:
Use your favorite browser or a mobile device to find all your resources – documents, books, artifacts, videos, PDF's, maps, journals, logbooks, scrapbooks, photographs, websites – in the Eloquent Cloud or on your own server.
Whatever your budget, you get the entire WebSuite. Your license key releases the application(s), module(s), and capacity you require.
Learn more about the Eloquent WebSuite and advanced technology in every Eloquent application.
This blog tells you, from a technical perspective, what the four software applications (ARCHIVES - LIBRARY - MUSEUM - RECORDS) have in common; how they can be integrated to become your Enterprise Content Management (ECM) solution; that digital content has much in common with physical objects; and, how the support of mobile devices is needed to get willing "buy-in" from everyone in the enterprise.
This blog describes the evolution of software to support the practical needs of knowledge professionals. An interesting read....
Will "going digital" solve all your problems? Or, will it make life more complicated. This blog considers Digital Continuity – having plans and procedures in place to ensure that your digital assets will last for many years to come. This blog proposes digital continuity with OAIS and Archivematica.
An entire industry is growing up around the issue of digital continuity. Our Eloquent technical team is getting a lot of questions:
In the days of "paper" we expected everyone to file all their own documents that were important enough to be considered "records". They were expected to know what could be destroyed or should kept. They can easily take the same responsibility for electronic documents and all other digital assets.
Electronic documents go into "virtual" folders rather than paper folders. Users are offered only the folders relevant to them, making the selection easy. They do not have to understand your records classification scheme or retention requirements. The virtual folder contains all of that metadata. It does not need to be repeated for every ... read the entire blog ...
The major advancement in the Version 7.1 product line is the Mobile-Friendly access for all applications - archives, library, museum, records. Responsive design enables a single version to be used on all devices. It simply reformats the output to fit the viewing screen, making everything easy to read and navigate. Several customers who have already gone public with this release are very pleased with how easy it is to use and to personalize, providing a seamless interface to their website.
Every Eloquent database can include all types of digital content. Users find it with any Internet browser or mobile device.
Do your users complain about the time it takes to download the digital content in your databases? You can solve that by storing them so they will stream.
Your users should find it very intuitive. They already use the tools when searching the Internet. They do not need to download any software.
In your Eloquent database you will probably have only one digital object on a page along with a lot of descriptive information. This blog shows many samples so you can imagine what your users will see. read the entire blog ...
WebGENCAT is derived from GEN for "generic" and CAT for "catalog". It is the core of all Eloquent software.
All Eloquent WebSuite applications have a catalog of valuable things that people want to keep for a long time. Things that are worth organizing and cataloging so they will be easy to find. When people search an Eloquent database they expect to find everything about the specific topic. They need precision searching. It is not like Googling for something and getting millions of hits, most not relevant. read the entire blog ...
Include your large maps and architectural drawings with all your other digital assets. They will display quickly, zoom in or out, and move to different areas of the image to expose detail. No lengthy downloads. Eloquent's server-side JPEG2000 software makes this easy on your desktop as well as mobile device. Try it yourself. Go to this blog for a link to a sample map.
Eloquent Systems has been building and supporting software for knowledge professionals for 40 years, making their jobs easier.
We can analyze your needs and demo the right software to streamline your operation. You enjoy a quick start!


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…-Pukers. It is defined as: Let us go ask a 960 people we can find amongst our customers and on social media a series of questions, convert that into tables and graphs, and sell it to the world. Ask questions. Puke data. That is all there is in the report. Download the sample report if you don't have a paid Econsultancy subscription. If you don't want…


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We are pleased to announce early access of a new product, GitPlex. It is a git repository management server working with QuickBuild to provide new experience of source browsing and code review.
A bit background of GitPlex:
While developing QuickBuild and supporting our customers, we want a git tool able to understand our code, so that we can quickly find symbols and jump between them in selected revisions to be efficient. The tool should allow us to comment and discuss on any block of code or diff freely, even outside of pull request context. We also want the tool to automatically squash commits in a pull request upon merging to keep the history clean and understandable, plus many other practical requirements. None of the products on the market sufficed our needs, so we created GitPlex three years ago to manage QuickBuild code base. As the tool gets mature over time through our daily usage, we decide to make it a separate product to share our practices on code review. Interested users may check out the iterative code review process able to be achieved with GitPlex here:
http://wiki.pmease.com/display/GP10/Ite ... ll+Request
Or check out below for a lightweight review process:
http://wiki.pmease.com/display/GP10/Exp ... Commenting
And here is list of features making GitPlex different from other products:
Thanks for your time and we hope that you feel the product useful.


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The Sociopath Next Door
The Ruthless versus the Rest of Us
By (author) Martha Stout
Format: Paperback
Normal Price: $30.43
Your Price: $27.39 AUD, inc. GST
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Sociopath Next Door by Martha Stout
Book DescriptionWho is the devil you know? This is an astonishing, chilling and appallingly useful guide to recognising conscienceless individuals. Everyone knows what a sociopath is. A sociopath is Hannibal Lecter - the cold, calculating monster who has no compunction, no sense that what he or she does is wrong. No conscience. An inhuman and often violent criminal. Wrong. Hannibal Lecter is a sociopath, for sure - but sociopaths are no more Hannibal Lecter than dogs are Spot. The lying, cheating ex. The boss who loves to humiliate in meetings. The colleague who steals ideas and passes them off as their own. A shocking four per cent of ordinary people have an undetected mental disorder, the chief symptom of which is that that person possesses no conscience. They can do literally anything at all and feel absolutely no guilt. One of their chief characteristics is a charisma that makes them more charming or interesting to others - and hence tricky to identify. Sociopaths learn early on to sham emotion, but underneath they are indifferent to others' suffering, they live to dominate and thrill to win. And statistically, every reader will know at least one, if not more. Dr. Martha Stout uncovers the hidden signs of the sociopath, teaching readers to question authority, suspect flattery and beware the pity play. Everyone has been sucked into the game at some point - now they have a way out.
Buy Sociopath Next Door book by Martha Stout from Australia's Online Bookstore, Boomerang Books.
Book DetailsISBN: 9780767915823
(202mm x 135mm x 15mm)
Pages: 256
Imprint: Broadway Books (A Division of Bantam Doubleday Dell Publishing Group Inc)
Publisher: Broadway Books (A Division of Bantam Doubleday Dell Publishing Group Inc)
Publish Date: 11-Feb-2006
Country of Publication: United States
Other Editions...
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Books By Author Martha Stout
Myth of Sanity, Paperback (June 2002)» View all books by Martha Stout
The author explores the fragmented and often fragile human psyche, revealing common, everyday forms of dementia that plague millions of people, discusses the impact of traumatic memories in one's daily life, and assesses the instances of dissociative mentall states and multiple personality in every
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Author Biography - Martha Stout
Martha Stout was trained at the famous McLean Psychiatric Hospital and is currently a clinical psychologist in private practice. For more than 20 years she was a clinical instructor of psychology in the department of psychiatry at Harvard Medical School. She lives in Cape Bob, Massachusetts.
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Education, K-12, Language CoursesFollow
|Language Courses
|Top 200
Learn Spanish in coffee-break lessons from the Radio Lingua Network. In each lesson we'll focus on the language you need to know and before long you'll be making yourself understood with native Spanish speakers. Season 1 lessons are for absolute beginners, and the courses increase in difficulty as the seasons progress.
May 22nd, 2013
Episode 151 of 249 episodes
After a short delay we're back with a new episode of the Coffee Break Spanish Magazine. In this episode: Alba asks, ¿qué es lo primero que has pensado esta mañana? – what was the first thing you thought about this morning? Mark joins Fernanda on a virtual tour of Easter Island; and JP and Nahyeli […]
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Welcome to the daily audio workout for your head.


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Long-time UND diving record falls Friday at USAFA
Courtesy: UNDsports.com
Release: 01/19/2013
Release: 01/19/2013
Highlights at the meet included diver Rick Eberle winning the 1-meter event handily, scoring 320.40 points to set a new UND record. He eclipsed the 25-year-old mark set by Rollie Bottlberghe (313.20) in 1988 and he now holds all three diving records at the school (1-meter, 3-meter, platform). Drew Germain took third in the event (293.85) for the third-best mark in the UND record books.
Adam Gannon scored a third-place showing in the 50 yard freestyle (21.35). Matt Koken was sixth in the 200 butterfly with a 2:01.00 time while Daniel Jacobson was ninth (2:02.47). Gannon later touched in 47.03 in the 100 freestyle to take sixth place. Austin Smith grabbed eighth place in the 200 breaststroke with a 2:16.30 clocking.
The meet concludes on Saturday.
North Dakota Swimming & Diving
11 Individual, 15 Relay National Champions
Extras for the North Dakota fan
UND INSIDER Live and On-demand Audio & Video
Swim recap 2-23: Harris, Strom
Swim and Dive - WAC Championships Preview
Swim preview 1-27-17: Maiello
Archived Meet 10-15-16: Swimming and diving
Post 10-14: Maiello, Strom, Pigliacampi, Zelen
Archived Meet 10-8-16 vs SCSU
Post 10-7-16: Strom, Maiello
Post 9-30: Maiello
UND at the Olympics: Jacob Wielinski Post Race Interview
UND at the Olympics: Lucas & MacQuarrie Post Race Interview
UND at the Olympics: Goals for the Trials
UND at Olympics: Training for the Trials


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Houses for Rent in 22472, VA
|9 Listings Found
- (RLNE2863860) - Source: Rentlinx
118 Thompsontown Rd, Warsaw, VA, 22572Details »
Breathtaking three bedrooms, 3 bathrooms, 2 vehicle garage residence with television room, great room, open fireplace, loft, exquisit...
Warsaw, VADetails »
Lovely Hague, 3 bedrooms, two bathrooms Convenient Location, Bus/Public Transit, Cable TELEVISION, Bright, Stove, Single Car Garage,...
Hague, VA, 22469Details »
Nice couple looking for a 2-three beds 1 bathrooms farm house to rent. Somewhere we can have hunting dogs, goats, and horses. Will to...
Tappahannock, VADetails »
Includes, eat in kitchen, a lot of storage area, island with breakfast nook, large family room and living room for entertaining. Wood...
67 Wakefield St, Montross, VA, 22520Details »
Sited on a private Waterfront hillside withwide views across the Potomac River at its widest point in Virginia wine country sits this...
1355 Independence Drive N, Montross, VA, 22520Details »
459 Chilton Road, Montross, VA 22520 visit our web sitethree Bed- one Bathrooms $995.00 AVAILABLE NOW:: This gorgeous 3 bedrooms two...
459 Chilton Rd, Montross, VA, 22520Details »
Very nice cottage with boat shed carport, and community boat ramp, beach and pier. Nice storage shed and 4MFRYA property has an...
31 Holly Road, Heathsville, VA, 22473Details »
Heathsville Ranch style home with a fenced in yard. A large doggy door for 1 dog. Backyard shed and deck Option of community...
520 Cod Creek Dr, Heathsville, VA, 22473Details »
RentUntilYouOwn.com is the #1 provider of 22472 Haynesville, Virginia houses for rent listings.
Our goal is to offer the highest quality results, along with helpful 22472 Haynesville resources and support. We understand that finding genuine houses for rent in 22472 Haynesville can be very difficult. Even more challenging is trying to search Haynesville, VA listings for free.
After discovering how difficult it was for 22472 Haynesville buyers and sellers searching online, RentUntilYouOwn.com has become dedicated to providing users with the most current, accurate, and detailed listings in 22472 Haynesville, Virginia.
If you have any questions or suggestions for improving our site, please contact us here.
Trouble Finding Local Houses for Rent Listings?
If the initial results in 22472 Haynesville, Virginia did not provide any listings of interest, or you just want more selections, click any of the blue tabs just above the search results for more.
Thanks for visiting and good luck!


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Stanleytown Jobs
Looking for jobs in Stanleytown? Snagajob has great opportunities with the area's leading companies. And applying for Stanleytown jobs has never been easier. Look at the job listings below, click on a job title that interests you and hit the "apply now" button. Part-time jobs, teen jobs, student jobs and summer jobs are now just a click away. Start your job search now.
Stanleytown, VA Job Openings
Family DollarStanleytown, VA
Stanleytown, VA
Family DollarStanleytown, VA
Stanleytown, VA
Hardee's933 Fairystone Park Hwy
Stanleytown, VA
Cities within 20 miles of Stanleytown, VA
- Rocky Mount, VA (61 jobs)
- Martinsville, VA (55 jobs)
- Collinsville, VA (30 jobs)
- Eden, NC (23 jobs)
- Stuart, VA (23 jobs)
- Ridgeway, VA (15 jobs)
- Ferrum, VA (9 jobs)
- Bassett, VA (7 jobs)
- Stoneville, NC (7 jobs)
- Spencer, VA (3 jobs)


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Family-style Spaghetti and Meatballs
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Top 10 Most Catchy Vocaloid SongsFangurl634
The Top Ten
I LOVE THIS SONG! I will be humming this all day long! - Fangurl634V 2 Comments
I Love this song! It's really fun and Catchy. Miku and Rin really make this song work. - Fangurl634
This song gets stuck in my head so badly.
Len's version is amazingV 1 Comment
This makes me wanna dance every time I hear it! Its Very catchy indeed. - Fangurl634
I can Not stop Singing this! Its Awesome! - Fangurl634
Stuck in my head all day
Okay, Technically it is not a vocaloid song, But I Love the dance! - Fangurl634
I can sing this all day without it getting old!V 1 Comment
This song is amazingly Catchy! The beat to it is Awesome! - Fangurl634
It has a catchy tune and, I personally love Rin, And she can hit All of the high notes like its nothing! - Fangurl634
The Contenders
I'm surprised this is only number 20, this is a really cool song that always gets stuck in my head at school.
Listen to it! It's a really good song!
Luka's voice is pretty cool!
Recommended Lists
Related ListsTop Ten Best Vocaloid Songs Most Depressing Vocaloid Songs Creepiest Vocaloid Songs Top Ten Hardest Vocaloid Songs to Sing Top 10 Underrated Vocaloid Songs
List StatsUpdated 26 Feb 2017
2 years, 205 days old
Top Remixes
2. World Is Mine - Hatsune Miku
3. Megurine Luka - Just Be Friends
2. Rip=Release - Megurine Luka
3. The Tailor Shop On Enbizaka - Megurine Luka


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UK's first superfast 4G phone network to launch on October 30
- EE will launch with handsets including Apple's iPhone 5 - but has not yet revealed pricing
- Other networks expected to launch next summer
- Will offer speeds five times faster that current connections
Mobile firm EE is to launch the UKs first 4G network on October 30th, the firm said today.
The move follows last minute crisis talks between operators, ministers and Ofcom yesterday which avoid last minute legal action.
'We are delighted to announce that the official launch of our new customer brand, EE, offering the UK's first superfast mobile 4G and fibre broadband service, will take place on the 30th October 2012,' said Olaf Swantee, CEO of EE.
CEO of EE, Olaf Swantee, said today the firms 4G network will launch on October 30th
EE will launch with support for six handsets:
Apple iPhone 5
Samsung Galaxy
Nokia Lumia 920,
Nokia Lumia 820,
HTC One XL
Huawei Ascend P1 LTE
'This is a significant milestone for the United Kingdom, and for the people and businesses of our country who will now be able to enjoy the huge advantages of superfast 4G technology for the first time.
'We are very proud to be pioneering, innovating and leading our industry in launching 4G for our nation through our new EE brand.'
The 4G services will allow uninterrupted access to the web on the go, high definition movies to be downloaded in minutes and TV to be streamed without buffering.
EE's 4G network, which offers speeds up to five times faster than 3G, will be available on Apple's iPhone 5, HTC, Samsung, Nokia and Huawei devices.
EE, formerly known as Everything Everywhere, last month unveiled its plans to make the country's first state-of-the-art 4G services available to some 20 million people in 16 cities by Christmas.
However, the threat of legal action meant it could not announce a launch date.
EE said it will offer 4G to customers by Christmas in London, Edinburgh, Cardiff, Belfast, Birmingham, Bristol, Derby, Glasgow, Hull, Leeds, Liverpool, Manchester, Newcastle, Nottingham, Sheffield and Southampton.
The group then plans to roll out the service to further towns, cities and rural areas next year, with population coverage of 70% and rising to 98% in 2014.
The announcement came after last minute crunch talks between ministers and mobile operators lifted the threat of legal action delaying launches.
Regulator Ofcom has now agreed to bring forward the auction process that will let competing operators launch their 4G networks.
Ofcom said the 4G auction process is now on track to begin at the end of the year to enable competitive 4G services across UK during the first half of 2013.
Ed Richards, Ofcom Chief Executive, said: 'The actions we have taken with industry and government avoids the risk of significant delay and is tremendous news for consumers who might otherwise have waited a considerable period for the next generation of mobile broadband services.
'Ofcom's objective has always been to release the spectrum as early as possible and we remain focused on starting the auction by the end of the year.'
The deal was thrashed out as mobile operators, Culture Secretary Maria Miller and communications regulator Ofcom gathered today for crunch talks over the plans.
The iPhone 5 is expected to be among the first handsets to be able to use high speed 4G networks
Ahead of the meeting, Ofcom has told the government that the process could be accelerated to launch 4G networks in many places by May or June.
It had been thought that it would take until the end of the year.
'We are hopeful of the outcome,' Ronan Dunne, Chief Executive of O2, told MailOnline before the talks.
'We wanted to champion the customer position, and we were frustrated there wasn't a clear timeline for customers.'
Mr Dunne admitted the process has been problematic.
'The whole 4G area has been a complex journey - more a marathon than a sprint.
'We are hugely excited, and customers are desperately keen to know when they can get 4G service.'
The speeds should be around 5 times the speed people currently, said Mr Dunne.
Rivals were angered that EE was given permission to launch first.
However, Ovum's Mr Howett said while EE may appear to have been given the early upper hand, it still has a tricky marketing task ahead if it is to capitalise.
'I think it is about two things,' he told the BBC. 'One is about what the pricing of 4G is going to be.
'EE would be be pretty mad to price
people out of it, so I suspect it'll be quite competitive.
"The second thing is the iPhone 5 impact.
'For me and a lot of other people the iPhone 5 was very much an incremental upgrade. If people are in the market for a new phone, and people who were on a two-year contract are looking to upgrade, EE will say 'come to us'."
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Hotels in Cranfield
Hotel reservation
United Kingdom
Hotel rooms in Cranfield
There are not so many hotel rooms in Cranfield, just 3, still everyone can find an offer to suit his choice. The most common offers in this city are hotels, they count 2 out of 3, and their prevalent location is central district. According to our practice, it is the most profitable to book a hotel in the east of Cranfield, as it is the location of the hotels with optimal cost and quality offers along with the cheap hotels. Taking into account the small size of the city, there is no need to dwell hotel reservation on the location: the road to the city center would take less then half an hour, so one can book a hotel in any district of Cranfield. The most populated with hotels district of Cranfield is the north, 100% of cheap hotel rooms are concentrated here. Cranfield is an ideal place for solo and couple, such travellers rate hotels there 8.6 out of 10 on average. Apart from all these, hotels in Cranfield offer their customers bar, restaurant/cafe, business centre and parking. The most appreciated amenities in Cranfield hotels are cleanliness and location. According to the visitors reviews, hotels in Cranfield has tasty breakfast, great pool and fantastic service. Take a look at our selection of the cheap hotel rooms in Cranfield to make a well-informed choice for your reservation!
Best hotels in Cranfield
Hotels in Cranfield are spread around the city within the distance of 2.2 kilometers. Those who are keen on antique should definitely fall in love with
Cranfield Management Development Centre
, the oldest hotel of Cranfield, constructed in 1979. This hotel is located 2.2 km away from the city center. The most popular accommodations in Cranfield is
Mitchell Hall
, 2 stars hotel located in a 2 kilometers from the city center.
The best hotels are here and now. Try them!
All cities in United Kingdom


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Wee Cho Yaw net worth: Wee Cho Yaw is a businessman who has a net worth of $8.3 billion dollars which makes him the richest person in Singapore. Born in Singapore, Wee Cho Yaw grew up in a banking family. His father founded the United Overseas Bank in 1935, and Wee Cho Yaw became part of the Board of Directors of what was then known as the United Chinese Bank in 1958. He became Managing Director in 1960, and began to serve as CEO in 1974, when his father chose to retire. He served as CEO until 2007, when he stepped down, and his son, Wee Ee Chong took over as CEO. In addition to his bank interests, he has also invested in significant amounts of land through Kheng Leong, and his family owns nearly 25% of Haw Par, the company that manufacturers the pain-relieving ointment, "Tiger Palm". He was awarded the Public Service Star by the government of Singapore in the early 70s, and an honorary doctorate by the University of Singapore in 2008.
Wee Cho Yaw Net Worth
Wee Cho Yaw
Date of Birth
More Billionaires
All net worths are calculated by applying a proprietary algorithm. The results are then fact checked and confirmed by a team of editors. We scan all publicly available data and resources and work diligently to ensure that our numbers are the most accurate and up to date net worth data you will find anywhere on the internet.


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The Global Markets have been enduring high volatility during the last few weeks due to falling oil prices and interest rate increase in US on the back of weak China. As an economy that is connected to global markets, Indian markets remain volatile.
In this situation, most of retail investors feel unsure and unsafe about their investments. Should you be really worry about your investments?
The real test of the portfolio is its ability to withstand the Market fall.
AY model portfolio "Long term moderate Portfolio" has seen a fall of only 3.05 % as against NIFTY which has gone down by more than 10% in 2016. A look at Fig 1.1 compares our returns with NIFTY from Jan 1, 2016 to Feb 23 2016.
Fig – 1.2 shows the comparison of our portfolio with that of other leading mutual fund platforms in India. Our Long term moderate portfolio returned negative 2% over last year whereas the other portfolios could not withstand the market downfall. It reinforces our belief that a well-diversified portfolio has to withstand such volatility.
Imagine a scenario where there is a 12% fall in the market, one has to earn over 14% of returns to get back to one's initial investment. Can your portfolio really earn you such return?
How and Why ArthaYantra Portfolios Outperform?
There are two types of risks:
Diversification is the key step to reduce unsystematic risk. To achieve this AY diversifies the portfolio allocation across 8 asset classes. AY creates over 100 portfolios to fit the needs of diverse customer base we have. To drive the correct recommendation after going through 15 million scenarios, AY uses the most renowned and proven Markowitz Portfolio Theory.
We calculate various metrics like Alpha. The excess returns of a Portfolio relative to the return of a benchmark index is the portfolio's alpha.
This diversification of assets also ensures lower Beta (β), Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole.
Fig 1.3 shows the comparison of various metrics with ArthaYantra Long term moderate portfolio and to that of the leading MF platforms in India.
ArthaYantra follows a strategy of "High Alpha and Low Beta" portfolio. It ensures that the risk of the portfolio is always below the benchmark but would still generate returns above the threshold.
As from fig 1.3 The Sharpe ratio of our portfolio is 1.2 and Sortino Ratio is 1.5. Any portfolio with a Sharpe ratio of 1.2 and Sortino ratio of 1.5 and above is considered extremely efficient. All of ArthaYantra portfolios have a Sharpe of more than 1.
he Global Markets have been enduring high volatility during the last few weeks due to falling oil prices and interest rate increase in US on the back of weak China. As an economy that is connected to global markets, Indian markets remain volatile.
In this situation, most of retail investors feel unsure and unsafe about their investments. Should you be really worry about your investments? Not if you are with ArthaYantra.
Fig 1.1 - This Figure shows the comparison of returns from our Long term moderate portfolio and Nifty from Jan 1, 2016 to Feb 23, 2016
AY model portfolio "Long term moderate Portfolio" has seen a fall of only 3.05 % as against NIFTY which has gone down by more than 10% in 2016. A look at Fig 1.1 compares our returns with NIFTY from Jan 1, 2016 to Feb 23 2016.
Fig 1.2 - This Figure shows the comparison of returns from our Long term moderate portfolio and some of the leading MF online platforms and NIFTY from Feb 23, 2015 to Feb 23, 2016
Fig – 1.2 shows the comparison of our portfolio with that of other leading mutual fund platforms in India. Our Long term moderate portfolio returned negative 2% over last year whereas the other portfolios could not withstand the market downfall. It reinforces our belief that a well-diversified portfolio has to withstand such volatility.
Imagine a scenario where there is a 12% fall in the market, one has to earn over 14% of returns to get back to one's initial investment. Can your portfolio really earn you such return?
How and Why ArthaYantra Portfolios Outperform?
There are two types of risks
Diversification is the key step to reduce unsystematic risk. To achieve this AY diversifies the portfolio allocation across 8 asset classes. AY creates over 100 portfolios to fit the needs of diverse customer base we have. To drive the correct recommendation after going through 15 million scenarios, AY uses the most renowned and proven Markowitz Portfolio Theory.
We calculate various metrics like Alpha. The excess returns of a Portfolio relative to the return of a benchmark index is the portfolio's alpha.
This diversification of assets also ensures lower Beta (β), Beta is a measure of the volatility, or systematic risk, of a security or a portfolio in comparison to the market as a whole.
Fig 1.3 shows the comparison of various metrics with ArthaYantra Long term moderate portfolio and to that of the leading MF platforms in India.
ArthaYantra follows a strategy of "High Alpha and Low Beta" portfolio. It ensures that the risk of the portfolio is always below the benchmark but would still generate returns above the threshold.
As from fig 1.3 The Sharpe ratio of our portfolio is 1.2 and Sortino Ratio is 1.5. Any portfolio with a Sharpe ratio of 1.2 and Sortino ratio of 1.5 and above is considered extremely efficient. All of ArthaYantra portfolios have a Sharpe of more than 1.
Of all the great conquests of our lives, the most difficult one is probably selecting that unique gift for our loved one, our Valentine. How awesome it would have been to have cupid start up on Valentine gift delivery service? Imagine, in that case, you need not worry about your loved one's likes and dislikes as cupid will know it all. You will only be required to present the gift to your dear one and take all the credit for yourself.
But, that's not how it is. Of all times, it is on a Valentine's Day that the cupid acts truant and disappears, leaving you to really do the thinking of what to gift. You know that flowers and chocolates and teddies are so overrated, and most importantly you would like to surprise your loved one, gift something as special as he or she is. So, here's an assortment of ideas you may like to consider for this Valentine's Day. The good thing is, they justify the value you invest.
Idea #1 Health Insurance:
How important is your dear one's health? With medical expenses shooting sky high, healthcare affordability is a big question today. Should you not love to dispel that fear of monetary support from your dear one's heart, if you can? So, this Valentine's day why not gift your dear one a health insurance? No matter how far you are, no matter if your loved one lives alone, cash-less health policy guarantees you peace of mind and the promise of wellness to your dear one.
Idea #2 Gift an SIP (Systematic Investment Plan):
Remember the movie PS I Love You, where Holly Kennedy receives letters from her deceased husband? Those letters she would receive would bring her strength, hope and happiness and a constant assurance of him protecting her all the time. This Valentine, you can gift your dear one an SIP, by which you can contribute a very little sum in a systematic way so that in your absence, the returns come to him/her as a constant assurance of love, strength and support.
Idea #3 Doodle a home
Luckily the 2016 Valentine's Day is on a Sunday. So, you and your spouse will have ample time to be with each other. Make a latte and enjoy it over doodling your dream home on that huge chart paper. Take turns in defining the spaces, the furniture you want, the number of windows, the garden etc. Go crazy until you both are tired but realize it is time to fulfill it. Promise each other your dream house and with the help of a financial advisor, get started on how to plan savings for the same. Oh, don't forget to frame that house no matter how terrible it looks and hang it in your bedroom to remind each other of the promise till the goal is fulfilled.
Idea #4 Gift a holiday
A Valentine day celebration is not limited to being romantic with your significant other. It may also include your parents. You have always been promising to meet them but your work never allowed you that precious time. So, this Valentine day, talk to them and find out if your parents ever thought of a dream holiday and which place is that. You can then include that as one of your goals, talk to a financial planner and start investing/saving towards it. Once you have entered into a contract with your planner, share it with them over a hot meal. The delight on their face would be something to die for.
Idea #5 Pay off that guilt
Do you have an old bike, a scooter that you don't use anymore? A laptop, or an iPhone that's just lying there since you have upgraded to better devices? If that is so, why not sell them off and exchange the earning for a credit card pay off?
The other way could be, if you have an inclination for the creative arts (painting or photography), you can organize an exhibition on the Valentine's night and dedicate it to your dear one. This way, your hobby gets an exposure, your dear one feels special, and you also get to help your dear one close on that bad credit card.
So, here is the unofficial Idea #6. If you have enjoyed all of the above and would love to explore some more ideas while continuing to manage your personal finances in an effective way, gift yourself and/or your Valentine a personalized financial advisory program from a trustworthy, unbiased, online wealth manager.
After a bad experience with an insurance agent around 2008, Nitin Vyakaranam realised that, like himself, most of the Indian middle class doesn't get proper advice on financial products. 'I didn't know much about ULIP (Unit-Linked Insurance Plan). I assumed that because the agent was an acquaintance, he would put my interest first. But I discovered later that was not true", recounts the 37-year-old who founded ArthaYantra in 2012. The Hyderabad based startup calls itself a full service a robo advisor firm. Vyakaranam explains that 'robo' refers to the use of analytics to create customised advice without any human intervention. Thus, with the help of technology-deep analytics and machine learning- ArthaYantra offers financial services ranging from advise on investment, insurance, loan, portfolio to expense management and tax. The internet –based startup also connects all these aspects of personal finance, providing a holistic view of an individual's financial health. Click here to read more Forbes India – ArthaYantra, The Money Machine.
There's an old man called Time who is good at compounding. He compounds your savings and your debts and depending on what you choose, the experience can be either pleasurable or miserable. But what is compounding, therefore compound interest? What does it mean to your personal finances? For a better understanding, here are the 5 interesting factors about compound interest in personal finance.
And a noble man said it:
According to Albert Einstein, "Compound interest is the greatest mathematical discovery of all time," where the results are determined not only by how much one invests but also for how long one can continue to invest. So, as mentioned earlier, Time, the old man knows how to compound. Sow your investment and let time grow it!
This is how it is:
For example, if you save an amount of INR 1000 each month for a period of 12 years at 8 percent compound interest, your account is worth INR 184000. And, then even if you just let the money be without further monthly savings, in another 15 years, it'll be more than INR 270000.
No rich, no poor:
The principle of compounding works the same whether you invest a thousand or a lakh or more. The rich may have more options to explore but even the ones from lower income bracket can also benefit from compound interest. As explained above, money compounding at 8 percent a year will double up in 12 years and will worth four times as much in 24 years.
Default setting:
Irrespective of whether you are saving or borrowing, the math of compounding remains constant. It'll be awesome if you are saving regularly and disastrous if you borrow. For savings to compound, shorter the duration of investment, the better it is. Likewise, if you have a debt, shorter the duration of your payback the better it is.
Keeping in the good books:
If you are not ready enough for an SIP, no sweat! Any amount is good for principle reduction on your debt (home loan or credit card). This will help reduce the interest from compounding against you. If your priority is to live a debt free life, you can always pay extra towards your scheduled EMIs.
Becoming wealthy is neither rocket science nor cherry picking. As mentioned above, compound interest catches up rapidly than simple interest. And remember Time, the old man? He says, the younger you are the better you compound your savings. At 25, you have more chances of becoming a millionaire than someone at 35 who may invest double the amount you would start off with. If you start a Systematic Investment Plan (SIP) now, you can see how fast compounding interest works to your advantage. To know more, visit arthayantra.com.
When we say Rest in Peace, we do not know if we are mocking the deceased who may have left without a "Will". And to his utter dismay, he finds his loved ones involved in petty (sometimes really serious) fight over property share. Particularly, when you know that the Indian judiciary processes a legal matter over ages, trusting it to settle property dispute in your absence is almost crazy.
So, no matter what, a "Will" is a very important legal task that every individual must fulfill. We never know what's ahead of us, so keep things ready always helps the purpose, especially in the case of accidental demise.
In India, we are very sensitive about the "Will". We avoid talking about it, taking the intention of the surrounding people into doubt. But sooner one determines a legal confidant, the better it is. Remember, nothing passes on automatically. In the absence of a "Will", anyone can claim your assets. You may never know how much struggle your family has to go through to acquire their legal rights on what you have actually built for them.
There have been instances when legal administrators too cheated their clients and usurped their property by unlawful means. Unlike the Birla's and the Lodha's, you know you can't afford this. You only have this much and that must be fairly distributed amongst those who you think deserve your inheritance.
What is a Will?
A "Will" is a legal document by which one passes on inheritance in the name of deserving people who are likely to succeed the family or the interest of the deceased. In India, this law is governed by the Succession Act, 1925 with certain exceptions that can be explained to you by an estate lawyer.
How to make a Will?
A little more…
According to the law, any person above the age of 21 of sound mental health is eligible to write the "Will". You may also be happy to know that as and when you keep acquiring wealth or in the event of any pertinent change in your self-acquired property, you can alter the "Will" and make relevant changes as applicable. In the event of such changes, you may prefer destroying the former one to avoid confusions or intentional manipulation by members of the family or possible inheritors.
Registration of Will:
According to Indian Registration Acts, there's no legal mandate for one to register a "Will". However, who would like to take a chance? Certainly not you! If living was so challenging, we all would at least want to die peacefully and for that registration of a "Will" guarantees peace and serves as a proof of authenticity.
The scope of "Will" is wide. It goes beyond ensuring that your assets, belongings and personal possessions have been rightly passed on by ensuring peace of mind.
Who to trust?
Well trust always, as you know, comes through experiencing trust. To initiate the process, in matters concerning estate laws and legalities, consult with a legal expert who is not your family friend and yet shall testify your "Will" as situation arises. Go for someone who understands the intricacies of your personal finances and can advise you on how to allocate your wealth in measurable proportions to the deserving members of your family. Go to someone who has been compassionate and who you have learnt to trust through his or her proven track record. Consider an advisor who can be objective and match human intelligence and robotic accuracy.
Bottom line is:
If you love your family, write a "Will" today and in a surge of emotion, do not be misled or pay an unjustified amount to someone promising you a "Will". For more, visit arthayantra.com.
Our personal financial journey starts from our very own kitchen. In the past, women in the kitchen have always been regarded as Lakshmis for championing savings at micro-level. Under all circumstances, they would artfully tuck away extra cash without compromising on the food they would serve on the platter. Most of the times, such funds would be used for an emergency in the family. Our modern Lakshmis however, brave both the kitchen and the office with equal passion and elan. Misses are obvious because when deadlines loom over, we do not spend adequate time bargaining for those vegetables for a better price. In fact, not only women professionals, men who live alone can also benefit from these "kitchen-tricks" that'll help Manage Personal Finances with much ease and convenience.
So, here are the 7 ways by which you can save on your grocery bill-
1. Check the fridge and the general food storage:
Knowing what is there in the fridge and what is not is half the battle won. So check your fridge every time before you head out for shopping. It not only saves time, but also tells you what you need to buy. Surplus food items with short life span can result into wastage.
2. List the items of purchase:
Listing down the items of purchase is a great practice. This way we can avoid being a spendthrift and also maintain a monthly budget that will safeguard our finances from misuse. The obvious advantage is that you'll never have to work hard to recall what your spouse had mentioned for purchase.
3. Label your kitchen containers:
There have been situations when despite creating a list we end up wasting food. For example, if you are unable to figure out the container for the pulses, you may list it anew and buy again. Or for that matter, you may consider the jar of salt for milk powder leading to over-purchase. Hence, labeling your jar helps.
4. Do not go out shopping with a hungry stomach:
Our grandparents often say that do not go out empty stomach because hunger can mislead us. Indeed so. Imagine how you may succumb to a range of tasty food leading to overspending. Not only personal finances, this will affect your health as well.
5. Adhere to your known list of fruits and vegetables:
When Rebecca (name changed on request) saw those amazing wood apples, she didn't care for her list of purchase. Later, when she came home, she was unsure of what to do or how to go about savoring the fruit. Such situations lead to both financial and emotional disappointment.
6. Being mindful of seasonal fruits and vegetables
This is a great strategy. This only helps you save money, but also supports local farmers who bring to you fresh vegetables and fruits that involve lower processing costs unlike the exotic and imported ones.
7. Get your grocery from the local markets
Visiting supermalls is as much about conveniences as much about taxes. For example, the VAT (value added taxes) that you pay at the POS (point of sales), when accumulated over a period of time can become a small fixed deposit. As such that extra 14.5 percent if donated through proper channel can save a child's life.
Small things can often lead to humble beginnings. The sooner we acknowledge that, the better it is for our finances. It won't be an exaggeration if we say that the kitchen that feeds our stomach can also feed our finances if we are mindful about our spending habits.
Many of us live in a myth that long term investments mean relying on equity markets and completely ignoring the debts as a part of investment strategy. Owing to lack of awareness about debt funds, a layman hesitates to invest in it. But here is what a debt fund is and its types to help everyone understand its criticality.
Debt funds are a type of mutual funds invested in different debt based instruments like government bonds, corporate bonds and money market instruments. The gains in these debt funds are derived from the interest payments as well as capital gains due to interest rate fluctuations.
The fund allocation for debt instrument is always based on investment objective/s of the investor. For example, for an investment objective of low risk and higher liquidity, money market instruments are used for the funds as these instruments are not much affected by the interest rate fluctuations.
Below are some varieties of debt funds which are categorized as per their investment objectives –
1. Money Market/Ultra Short Term Fund :–
This type of funds focuses on providing high liquidity to investments and is lower in risk. The instruments invested in are money market instruments like treasury bills issued by RBI. The average maturity of the instruments is less than 1 year which shows that it is not much impacted by interest rate fluctuations.
Suitable for –
Investors having surplus cash and want to invest in safe instruments giving returns at par with inflation rates. This is also suitable for investments where the liquidity is the primary objective.
2. Short Term Debt Funds –
These debt funds include investments in bonds with average maturity level of less than 3 years. In terms of liquidity, they are not as liquid as money markets but still more liquid as compared to other debt funds.
Suitable for –
Investment objective of returns within 1 year to 2 years . Can be mixed with other debt instruments to provide stability to the investments against interest rate fluctuations.
3. Income Funds
These funds possess a higher risk and are more suitable for long term investments. These investments are in a combination of government bonds and money market instruments. These funds also have exit restrictions as premature withdrawals within 1 year can attract penalties.
Suitable for –
As the fund is affected by interest rate changes and does have exit penalties, it suits investors with medium to long term investment horizon.
4. Gilt Funds –
Gilt funds are amongst the riskiest debt funds to invest in as they are highly sensitive to interest rate changes. With higher risk there is always an opportunity for higher returns from the fund. The investments are totally focused towards long term government bonds.
Suitable for –
For investors who have an appetite to hold their investments in volatile markets and are looking for long term investments. These funds can give double digit returns even if there is an interest rate fluctuation.
5. Fixed Maturity Plans –
These are close ended debt mutual funds which have predefined investment tenure. Unlike other open ended funds, here, the investments are held till maturity and are focused on pools not sensitive to interest rate changes. These funds are treated as an alternative to fixed deposits in banks as the taxability in these funds are lower.
Suitable for –
For investors averse to risk, who do not want to involve in investments sensitive to interest rate fluctuation and aim for short to medium term investments.
Debt funds selection is a very critical exercise. A right selection is responsible for not only rendering stability to the investments but also for providing suitable returns.
Perhaps the best way to realize a quandary and craft a solution is through getting your hands dirty. Similarly, Nitin B Vyakaranam, an engineer (Electrical and Electronic & Communication) lost substantial amount when a mutual friend sold him a ULIP policy post his return to India from U.S. He had no idea about finance products in India. The product turned out to be a fake one, and later Nitin realized that it was like 'an epidemic' in India where there was no advisor for a large section of the society. This experience was the main catalyst in Nitin's entrepreneurial journey as he originated ArthaYantra in 2007.
"I think the biggest target for an entrepreneur is to be ready for every surprise every day. So I don't recollect the day when I thought of doing something better in a better way. To me, that is the driving force that keeps me motivated to learn until the next level is reached. I believe, you should keep on learning because there will be things which will go erroneous. Not every decision of an entrepreneur is right, but how you react for those lamentable decisions and come back is very important," believes Nitin.
The Captain:
As the BFSI industry is all set to witness disruptive technologies in the coming years, under Nitin's leadership, his company has achieved an astonishing figure of more than 70,000 users spread across 600 cities in more than 30 countries. While his entrepreneurial journey started with a personal experience, this first generation entrepreneur lacked congruous guidance and mentorship in the way towards his first venture. Yet, as fortune only favours the brave, Nitin is illuminated by his closed ones to sail through the sinuous paths of entrepreneurship.
But along with his closed ones who restrained him, while he was on the tidal voyage, his family stood by him as a pillar and his wife supported him despite of spending most of the time in office.
Nitin integrates, "It's very difficult to be an entrepreneur's spouse and concurrently, the entrepreneur gets an abundance of strength from the spouse, who genuinely stands by almost all the time. Along with that, I think, we should never take the status for granted. You should always question asking why and why not? When we started, everyone around us daunted us but today, we've proved them wrong".
Nitin B Vyakaranam_ The Battler who keeps Challenging the Status Quo
Asset allocation is one of the seminal aspects of investment strategies that can be applied by investors. There are multiple factors that form the basis for creating asset allocation strategies for the investor. Historically, the knowhow and intelligence required in building asset allocation portfolios have always been limited to a few qualified professionals in the finance industry. Having limited bandwidth, these professionals can only support a select few investors. With the advent of robo advisers, this has changed. Now, high quality asset allocation and investment strategies are available for everyone. Would robo advisers fundamentally change the nature of financial advice being delivered today? The answer to that question is a resounding yes.
The body of research that has formed the basis of modern portfolio theory, has its origins in research that has been conducted in universities and in Wall Street over the past 100 years. From a technical perspective, both factor-based-allocation and asset-classdriven allocation are dependent on a series of well defined mathematical models that have been time tested in different markets over different periods of time both in bull and bear markets. Modern portfolio theory and its underpinning have always been formulaic in nature. When American economist and Nobel laureate Harry Markowitz proposed the efficient frontier in 1952, it started a move towards using advanced mathematics and computing to arrive at best investment strategies for investors.
The number of professionals who understand the intricacies of the subject is limited thereby creating an artificial supply-demand shortage. Just like in other industries, the Internet is now bringing this wealth of knowledge out of the closet and making it available for retail investors en masse. With robo advisory, the deep knowhow that now exists with a few can be codified, programmed and delivered to millions of investors in a customised, transparent, unbiased and effective manner. There would be no minimum amount of investment. Suddenly, a whole generation of new investors can make their investment strategies and decisions with more efficiency, increasing participation in the markets.
The extent of human intervention in creating an asset allocation investment strategy, rebalancing and managing it, has changed over time. Technology has taken over as the key aid, conducting far more advanced experiments and analysis that are not humanly possible. However, there are some areas where human intervention would continue to be an important aspect in the whole process. It would be foolhardy to assume that the investment strategies and asset allocation can be deciphered by all investors. Advisers have an important role in explaining the advice to investors.
Here are some of the benefits that robo advisers can bring. Brings together the best of minds: The experience of mature global markets along with requisite exposure of asset allocation at scale is limited today. The understanding and capability to manage huge portfolios that include optimal asset allocation cannot be delivered to all due to limitations of time, space and resources. Robo advisory fills that gap by bringing together the best minds on a single platform to benefit everyone.
Brings together best market practices:
Best practices in asset allocation; amalgamation of markets' intelligence and finance is spread across the world. With the help of technology, robo advisers can bring world-class practices together to benefit the common man.
Our name is inspired from the famous historical book Arthashastra, written by the great Indian philosopher Kautilya (also known as Chanakya, c. 350-275 BCE) over 2,000 years ago. In Sanskrit, Artha means wealth and Yantra means an Instrument. Literally translated, ArthaYantra means an Instrument that enables the creation of wealth and all round prosperity
ArthaYantra Corporation Pvt. Ltd.,
Corporate and Registered Office: 3rd Floor, Sai Galleria, Plot No. 472,
Road No. 36, Jubilee Hills, Hyderabad, India 500 033.
Tel.: 040-6519-0000 | e-mail: firstname.lastname@example.com
Arthayantra Corporation Pvt. Ltd is SEBI registered investment Advisor (RIA No - INA200006716, Valid from 29/11/2016 to 28/11/2021), is also registered with AMFI as a mutual fund distributor having ARN54840


text:
No change on FMLA regulations for intermittent FMLA leave
Tight FMLA certification remains your best way to halt in FMLA abuse
For HR managers who had hoped DOL would change one of the most unworkable FMLA regulations – intermittent FMLA leave – better luck next time.
After soliciting more than 10,000 comments from employers and employee groups, DOL has decided to do nothing.
DOL usually seeks public comments as a basis for changes in FMLA regulations.
Not this time. DOL merely said it hoped its report on the comments would spur "fuller discussion among all interested parties and policymakers."
DOL admitted that its regulatory decisions had contributed to the problem, specifically, its Wage & Hour Opinion Letter FMLA-101.
The letter states that an employee who's certified for intermittent leave has to be allowed two days to report an unscheduled absence – no matter the circumstances, and regardless of whether he could have told the employer sooner.
The letter also bars companies from disciplining intermittent-leave-certified employees on the basis of call-in policies that are stricter than existing FMLA regulations.
DOL indicated it's aware how hard this makes it for employers to manage a workforce, but the report didn't suggest any change would be forthcoming. If DOL isn't going to help, what can you do?
Key: Use FMLA certifications to head off bogus, unscheduled intermittent leave before that horse gets out of the gate. This simple measure will reduce FMLA abuse.
Remember: You can seek a second and even a third opinion on the initial certification, if something smells fishy. You have to pay for the further opinions, so you may not want to do this routinely. And you can demand recertification every 30 days – more often if you have reason to suspect abuse, such as a Friday- Monday pattern.
Info: www.dol.gov/esa/ whd/fmla2007report.htm


text: My husband and I traveled to Montreal with another couple and found this spot after walking around Mont Royal. The main lunch rush was over and we had a very nice, quiet meal to ourselves. We had French onion soup (perfect in my opinion, with not too much cheese and broth flavorful but in no way salty), croque monsieur, and... More


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