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actuary vs investment banking
At a non-target school with a great actuarial science program. I have always had dreams to be a banker on wall street. I passed the first few actuarial science exams in high school and had a f500 internship in high school. Now, I have an actuarial internship for my freshman year summer. Not sure which career or major to go into. Any input is greatly appreciated.
Comments (44)
- hankyfootball
- |563
- | Rank: Gorilla
pay much better in banking. math much harder in actuarial sci.
I think you should think about quant trading; the skills you develop in banking are not math intensive.
- Sav
- |482
- | Rank: Senior Orangutan
pay much better in banking. math much harder in actuarial sci.
I think you should think about quant trading; the skills you develop in banking are not math intensive.
The life is magnitudes better though, and the salary can easily reach 100k all-in. You might work half the hours for two thirds the pay which seems like a good deal to me, especially if you find actuarial science to be interesting.
- AsianMonky
- |402
- | Rank: Senior Orangutan
Post resume?
- futilepencil
- |2
- | Rank: Chimp
my resume needs some adjusting; i will probably post it soon. I'm not sure if I can do a major that will set me up for both. I was thinking to use actuary as a back up if I couldn't break into a top investment bank, which is unlikely. I will have a ton of good work and leadership experience as well as a great gpa, but I'm not from a target. Maybe there's a possibility that I be a quant.
I was in a very similar situation to you when I graduated. Since it was in the midst of the financial crisis in 2008 I was basically forced into the actuarial route for lack of IBD opportunities. I passed all my exams in 4 years and am now trying to move to IBD / PE / HF / AM. In my opinion, the pros / cons of actuarial are as follows.
Hours. I generally only work 40-60 hours per week.
Pay. Once you finish your exams you'll be over 6 figures for sure - for 50 hour weeks thats pretty solid
Interesting work. You definitely learn a lot of cool concepts - I'd imagine it's a lot more interesting than changing font on pitchbooks in IBD
Opportunity for advancement. There are many high profile opportunities at large insurance companies. A chief actuary can easily pull in $1M+ per year. Don't expect to strike it rich in your twenties or thirties though, it takes a long time to move up.
Lack of decision making. Even highly ranking actuaries are mainly relied on to provide numbers that senior management will use to make decisions. This is my primary reason for wanting to leave for IBD / PE etc.
People. A lot of your coworkers will be big fucking nerds.
Exams. Expect to have to study 200-400 hours per exam. Even if your company gives you study time you will have to spend a lot of your own time too. Pass rates are 30-50%, so it takes some people 10-15 years to finish. Of course, the bonuses and raises for passing are good motivation.
Exit Ops. Actuaries are highly regarded within the insurance industry, but many people in outside industries have never even heard the term. I think a lot of the skills you learn are highly transferable, but it's still a tough sell.
- futilepencil
- |2
- | Rank: Chimp
thanks guys, so how do you plan on transitioning over to finance. Also, I heard it is difficult to change from actuary to finance; did you major in finance in college? Lastly, do actuaries have decent opportunities to get into upper-level management and executive positions in general. thanks in advance!
- epiphany
- |19
- | Rank: Senior Chimp
if you get the CFA certification in addition to actuarial credentials, you will be set up pretty well for more non traditional actuarial roles.
Actuarial / Investment Banking (Originally Posted: 07/12/2012)
i passed the actuarial exam 1 and i wanted to know if i should write that on my resume. I am a rising sophomore at a non-target school majoring in finance and minoring in mathematics.
Im mainly trying to go into investment banking but am writing the exams though I am not planning on going into actuary.should i write this on resume or does it look bad when bankers see it?
Also, do actuarials go into investment banking, if they could? Does it give them an advantage do u think compared to others?
- sayandarula
- |1,850
- | Rank: King Kong
why bother studying for them if you don't plan on being an actuary? there are much better uses for your time.
Money Never Sleeps? More like Money Never SUCKS amirite?!?!?!?
- Angus Macgyver
- |1,889
- | Rank: King Kong
Pro tip: Go be an actuary instead. They appear to have excellent overall job satisfaction.
- Powa23
- |413
- | Rank: Senior Orangutan
Yeah actuaries are paid quite well, I don't think most people know enough of that career, if they did it would be more competitive
- sayandarula
- |1,850
- | Rank: King Kong
idunno ya'll. i looked into it and even signed up for the first exam. it's a great lifestyle once you're FSA/FCAS but the exam process is more rigorous than any profession that i know of. do you really want to spend 10 years or more after undergrad studying for exams?
Money Never Sleeps? More like Money Never SUCKS amirite?!?!?!?
- sayandarula
- |1,850
- | Rank: King Kong
thanks for using all caps, really accentuates your point..
Money Never Sleeps? More like Money Never SUCKS amirite?!?!?!?
- centurionh
- |11
- | Rank: Chimp
"you are absolutely correct!" said another acutrial intern dreaming an wall st. job
- sevensevens
- |304
- | Rank: Orangutan
You could better spend that time studying models and networking. Hence "models and bottles" (from the bottles of water you drink while meeting for coffee but you've already had too many cups)
"Everyone has a plan until they get punched in the face."
I-banking Analyst VS Actuarial Analyst (Originally Posted: 11/25/2012)
I have several friends from college working as I-banking analysts in NYC banks. Despite their 6-figure salary, not one of them seem to be genuinely happy with their job. Actually, one of my friends just quit his job with nothing lined up. He told me he just hated his job so much and couldn't take it anymore, grinding out 90-100 hours a week, doing mindless data-entry work on excel spreadsheets.
The most common complaints I hear regarding banking are: 1) intense workload, 2) unpredictable work schedule, 3) mind-numbingly boring work, 4) retarded hierarchy culture.
Now, I don't work in banking so I can't confirm any of the above, but I give my friends benefit of the doubt, anyhow.
On the other side of the fence, I have 2 other friends from college. Both were math majors at HYP. They passed actuarial exams, and took analyst jobs at large insurance firms in NYC, as actuaries.
Their starting comp was 140-150k/ year, and they only work 45-50 hours a week. My friends tell me they love their job, as they can truly achieve work-life balance and the fact that their job is intellectually stimulating. They say that, having been math majors back in college, they appreciate the fact that they can use the math/stats/CS skills they honed in college directly at their job.
I am not a banker nor actuary. But, it sure as hell sounds like, if I can choose either career path, I would go for becoming actuary. For some odd reason, I will say that the profession of actuary is somewhat under the radar, as many people, myself included, didn't hear much about the profession during college years, while most were exposed to the constant I-banking/ consulting recruitment propaganda in college.
I think that I should've been a math major back in college...
- Black Jack
- |1,643
- | Rank: King Kong
I feel like you can learn what you want to learn about the IB lifestyle on here pretty easily, so I will address only what I know about actuaries.
- The only schools that have actuary programs (that I know of) are second/third rate schools, so you are dealing with people that aren't that bright (with that said there are a small amount of people like your friends who take the tests independently of studies and make it).
- The ceiling for earnings is much much much lower. Sure, starting salary may be over 100,000 (though that is rare and usually it is around 70-80k), but someone doing it for 6-8 years is more than likely still making under 200k.
It comes down to personal preference- I would never want to work at an insurance company, and personally as of now think I want something more demanding out of college. I also know people who have been actuaries for a long time and love it. The lifestyle is nice, though I wouldn't expect to make it big at all.
- honeyoak87
- |110
- | Rank: Baboon
Black Jack:
I feel like you can learn what you want to learn about the IB lifestyle on here pretty easily, so I will address only what I know about actuaries.
- The only schools that have actuary programs (that I know of) are second/third rate schools, so you are dealing with people that aren't that bright (with that said there are a small amount of people like your friends who take the tests independently of studies and make it).
- The ceiling for earnings is much much much lower. Sure, starting salary may be over 100,000 (though that is rare and usually it is around 70-80k), but someone doing it for 6-8 years is more than likely still making under 200k.
It comes down to personal preference- I would never want to work at an insurance company, and personally as of now think I want something more demanding out of college. I also know people who have been actuaries for a long time and love it. The lifestyle is nice, though I wouldn't expect to make it big at all.
This is very accurate. Actuaries trade upside potential for a comfortable work environment with minimal required initiative. As someone on the outside (Economist) that works with actuaries, I have noticed the following things when you bring a large group of these people together under one roof:
1) Everyone is married or in a long term relationship regardless of their age and/or attractiveness of partner. Actuaries take risk aversion seriously in all aspects of their life.
2) Much of the time spent involves arguing about arbitrary assumptions, who made said assumptions and why all other assumptions are inherently wrong...
3) Attention to detail is revered regardless of its utility to the bottom line.
4) Top line potential is very low i.e. 200k and actuarial skills are not very useful in fields outside of insurance unlike stats or math.
5) Exams take a long time to finish - the average is somewhere around 10 years though I have seen it done in 4.
6) Many Actuaries are actually quite bad at math/stats. I find that they are very good at learning new equations but get very uncomfortable when faced with actually questioning and/or creating new equations.
7) Actuaries are dull. Actuarial studies filter for people that are very good at studying and writing for exams. All other aspects of life are secondary.
Morpheus: Have you ever had a dream, Neo, that you were so sure was real? What if you were unable to wake from that dream? How would you know the difference between the dream world and the real world?
1. The only schools that have actuary programs (that I know of) are second/third rate schools, so you are dealing with people that aren't that bright (with that said there are a small amount of people like your friends who take the tests independently of studies and make it).
You don't need to be in the actuary program or major to become an actuary. That is equivalent to the situation, where you don't need to be a biology major to get into a med school.
To become an actuary, you need to pass a series of very math-intensive exams. An idiot wouldn't pass those exams. It doesn't matter if you were "actuary major" at a 2nd tier State U, if you can't pass the actuarial exam, you won't get the job as an actuary.
2. The ceiling for earnings is much much much lower. Sure, starting salary may be over 100,000 (though that is rare and usually it is around 70-80k), but someone doing it for 6-8 years is more than likely still making under 200k.
An interesting question to ask, here, is exactly how many of those IB analysts end up cracking high 6 figures? The vast majority of IB analysts don't make it to MD/ Partner level, at IB or elsewhere.
In theory, I-banking has high ceiling, but it means very little if you can't attain that level of comp yourself. And, even if you do, you will have sacrificed 70-80% of your waking hours in order to make that happen.
- West Coast rainmaker
- |2,350
- | Rank: Neanderthal
I would be surprised if your IB friends were happy - the life of an IBD analyst sucks. Any 1st year analyst who is thinking "I would like to do this for the rest of my life" is more than a little unusual. You do it for the exit opportunities. Making VP in IB (complete with 500k+ all-in comp) is largely achieved through outlasting your peers. Pre-director level, most attrition is voluntary.
Hedge funds and PE will usually get you to the 200k+ mark in your first year post IB. Going the corporate route normally comes with a paycut, but you are still in the low-mid 100k range as a 25 year old. So I would say the % of IBD people who eventually make it to 300k+ salaries is fairly high, provided that they do not exit by choice.
Not to knock being an actuary - it is a great career. But you need to like math, and you need to like the work (modelling risk). You will have solid work-life balance.
And I do think those starting salaries (140k) are very high for actuaries. 70k + a small relocation bonus is a normal new hire package. If you look at the salary statistics, 140k is average for an actuary with 6-7 years experience and 8 exams passed.
- Black Jack
- |1,643
- | Rank: King Kong
As was addressed above regarding scales of pay etc. It is hard to compare the two outright- When you choose actuary you are choosing a career. When you talk about IB you are choosing a route that has the possibility of continuing in banking but more likely exiting to PE/HF/corporate or many other possibilities. So in considering the pay you have to consider the pay of a career as an actuary vs. the pay that comes with the route beginning with IB. Most any way you slice it the latter is higher paying. An established actuary working 6-10 years is probably making around 200k all in. The same person who moved to PE after their 2 year IB stint is likely making somewhere around 2x as much (if not more). This isn't a rule, and I'm sure you can find people who began in IB and are making less than someone who began as an actuary at the same time 5 years ago, but I think this is much more rare. To provide a specific example- my uncle is an actuary for a large insurance provider in the midwest. He has been doing it for about 25 years and makes around 250-300k all in + good benefits.
Regarding your first point (and sorry to work backwards). The majority of actuaries are people who have studied actuarial science in school. As I alluded to, there are a number that study math at an Ivy or other top school and decide (somewhat randomly) that they want to study independently for actuarial exams. This is much less common. No, you can't be an idiot to pass the exams, but they are not all that difficult with the right amount of preparation. My 2 friends who are studying to become actuaries were very average math students in high school and continue to be quite average students overall. They have each passed 3 (I believe) exams. Additionally, actuarial science is different in the sense that employers look much less closely at GPA and much more closely at # of tests passed. Take that as you will- it can be a good thing or a bad thing.
Source- friends studying actuarial science + relative working as actuary.
if your an actuary, you better like school because you basically just signed yourself up for several years of exams
How hard is it to find a job if you do pass the two initial exams?
- Charles-perry
- |307
- | Rank: Orangutan
Dont become an actuary unless you LOVE maths/stats (actually - more stats) and a bit of finance. I used to study Actuarial Science at LSE. It was hard like anything. Worst then anything I have done before. You have to really enjoy Stats. you have to remember a lot of stuff. When they say its hard - trust me - its HARD!
Its a good job though. I have friends at top firms who are becoming actuaries. BUT THEY LOVE STATS. I cannot emphasise it anymore then that. Also - generally speaking - actuaries are nice people but a bit one-dimensional... IBD people tend to be multi-dimensional. (please do not confuse that with being a boring person)
- leveredarb
- |1,562
- | Rank: King Kong
Dont become an actuary unless you LOVE maths/stats (actually - more stats) and a bit of finance. I used to study Actuarial Science at LSE. It was hard like anything. Worst then anything I have done before. You have to really enjoy Stats. you have to remember a lot of stuff. When they say its hard - trust me - its HARD!
Its a good job though. I have friends at top firms who are becoming actuaries. BUT THEY LOVE STATS. I cannot emphasise it anymore then that. Also - generally speaking - actuaries are nice people but a bit one-dimensional... IBD people tend to be multi-dimensional. (please do not confuse that with being a boring person)
lol if you think IBD ppl are multi-dimensional then may god help you.
bankers are quite possibly the most narrowminded ppl in the world.
- Charles-perry
- |307
- | Rank: Orangutan
I meant the undergrads/grads who get in... tend to have travelled/done sports/other ECs etc. Actuaries tend to just 'study study study' orientated.
- marcellus_wallace
- ?
- |1,905
- | Rank: King Kong
I have tons of Actuaries as friends due to going to a school with a top math program. You make it sound like its so easy, oh you just "take insanely hard math classes, you pass these crazy ass math exams, you go work and print 140k-150k" boom done.
In reality, Actuary is a shitload of math you have to love math/stats/insurance, next its shit ass boring you think banking/consulting sounds boring as an acturary what they do you snooze like no tomorrow, its extremely repetitive same style of analysis over and over and over. Passing the exams is not guaranteed, many people do not pass them on the first try which limits your bonus/earning potential since you are charged out based on the exams.
Not buying the 40-50hrs at 140k story, that salary level you have to work for a Oliver Wyman or another top consultantcy and based on the people I know they do not work 40 hours, the ones who work for insurance firms making less money work 40-50hrs not Oliver Wyman style folks.
I think you are really glamorizing Actuary from a couple friends you have who were probably 100% made to do that, like banking most Actuary analysts dislike their jobs/gigs and only do it because nothing else pays that much for that much school.
Btw, the skills/qualifications needed to do banking vs Actuary is night and day....History majors become bankers.
Yeah I agree with marcellus, being an actuary is not as glamorous as you made it out to be. The actuarial science exams are just as hard, if not harder than the CFA exams, and the crazy part is that you have like 10 of them or something crazy like that. Who wants to live their 20's worrying about exam after exam? Also, an actuary might spend 50 hours in the office, but he will probably spend another 20-30 hours a week studying for the exams if he wants to pass well on the first try.
Just my 2 cents.
- impossibre
- ?
- |17
- | Rank: Senior Chimp
I passed the first 5 actuarial exams and thought I would pitch in.
First of all, a starting salary of 140-150k with a 40h workweek seems much too high to be true, especially for someone with only 3 exams. And no matter what the work hours are, what people have been saying regarding the studying is true, even if you only work 40h/week you are probably spending all your nights and weekends studying. The advanced exams recommend around 600h of study time usually cramed into 4-5 months, still far from IB hours but not exactly laid back either.
From what I have seen, starting comp varies very highly with the number of exams completed and even with 5 after a bachelor's, I have not seen a starting comp higher than 75k. It is also worth mentioning that in my year there was no more than 2-3% of people actually getting 5 exams done before graduation. Also, for having done both, the difficulty of these exams is usually way higher than CFA although the difficulty is more in the depth of the material versus the breadth in the case of the CFA. Imagine spending all your free time on an exam with a sub 40% pass rate you need to have if you want to get ahead in your job, it wasn't for me.
Finally, I do think that the actuarial profession is over-hyped with all the job rankings putting it near the top spot almost every year. The salaries are good but not great (if you make more than 150K at 30 you are probably an exception and with that kind of discipline could've probably made much more in IB or S&T), the work and people are mind-numbingly dull (my opinion) and the worst part of it is having to spend your nights and weekends studying for exams until you're almost 30.
DW Simpson is pretty good in terms of salary surveys (keep in mind that the Property and Casualty jobs require even more exams which are also harder). Search DW Simpson on Google if you're interested.
- Anonymous Monkey
- 7/5/14 - 10:55pm
I am an actuary and want to clarify a few points. For reference, my total salary package is 260k after 10 years.
1) The exams are HARD to pass, but not hard in content. I'm an Ivy League maths major and the subject matter isn't difficult. However, actuarial students are all intelligent and highly driven to succeed. Around 50% of people fail each exam. Imagine taking the brightest 2% of your high school year and letting them sit the exams. Then you have to be in the top 1%, all things being equal to pass. As long as you're prepared to work as hard as everyone else....
2) Actuaries have a reputation as being one-dimensional. Historically this is true but the next generation are proving to be better communicators and true business people. As well as starting to dominate insurance board rooms in progressive insurers, they are starting to take over other industries.
3) Being an Actuary often rates as a top five career in the US. This is due to work life balance, job security and salaries. This is the combination of factors to review if you're thinking of becoming an actuary.
Can young Actuaries make it into Finance/Banking/IB (Originally Posted: 07/20/2013)
Hi guys,
Do you guys know a lot of actuaries in Finance/Banking/IB?
I have been working in insurance as an actuary for some time, but I am considering switching to something else in finance. I have been reading a lot about IB, and would be interested to switch to that field, if I could get in a top tier.
So, to you guys working in IB, have you ever worked with former actuaries that are now in IB? If I were to switch, do you care firms would care about my previous experience as an actuary?
If I get into a top business school, would I have a shot at transfering to IB?
Thank you for your time
- Will Hunting
- |1,706
- | Rank: King Kong
A couple of things:
I know a few people who are actuaries and they don't even know what IB is. They also think they are the top earners (1st year out of school) out of every fresh college grad in NYC. They also think their 4 bdrm queens apartment that they share with 5 people is so extravagant because they live in "NYC". I know this has nothing to do with you but from my experience, actuaries are actually pretty cocky and pretentious even though they have no idea what a real Wall Street job is like. Ignorance is bliss I guess.
Other than that, I would say business school is probably the only route since you have no prior experience in the field. Being an actuary is still is good job so bschool will probably look upon you favorably is you are at a well regarded insurance place. No to mention you will likely kill the quant portion of the GMAT and get a high score.
As for only wanting the "top tier", I think that is a bit unclear. If you mean GS/MS/JPM only, then you likely should stay in your current career. If you mean BB and elite boutiqes, the odds are still very much against you unless you go to a top bschool. I think a MM or boutique could give you a shot if you know your shit, network effectively, and do well in interviews.
I've met a few lawyers who made the transition without bschool and I've also met a few consultants turned bankers. Once you get into the accounting/actuary/ops side of the equation, everything gets trickier and less likely without bschool.
"Look, you're my best friend, so don't take this the wrong way. In twenty years, if you're still livin' here, comin' over to my house to watch the Patriots games, still workin' construction, I'll fuckin' kill you. That's not a threat, that's a fact.
Thank you
- InvestmentConfucius
- |106
- | Rank: Baboon
Can I get into Investment Banking with an Actuarial Science degree - Recent graduate from Florida State (Originally Posted: 01/02/2014)
A little bit about myself:
Recent graduate (May 2013) from Florida State U ~ 3.5 GPA, Actuarial Science
Passed two actuarial exams (just putting it out there, they are quite hard and dealt with probability and financial mathematics). Are they even worth mentioning or putting on my resume?
No internship experience.
Couple of extracurricular positions throughout college.
Recently took the GRE, got a 332 ~ (Translates into a 750 GMAT). Is this even worth mentioning? I was planning to attend B-School, but have since then changed my mind, given that I need professional experience to actually get into a top 20.
Have some (little) work experience in sales, does this work against me?
Currently located on the West Coast
Well my questions are:
1)Are my stats good enough to get into an I-banking analyst position? I don't need to get into a prestigious one, any boutique will do, really.
2)And if so, how do you recommend I start searching? Networking? Applying through their website?
3)Am I screwed because I am not in school anymore, or is it acceptable for firms to hire from 23 years old recent grads?
4)Should I limit my search to the west coast? Are NYC and Chicago firms going to think I am a waste of time?
5)Can I get an internship even if I already graduated? Wouldn't mind interning if that is what gets my foot in the door.
I am not going to answer to your question because they are USA specific and I don't have any experience there.
With regards to the fact that you have been studying Actuarial Science, I just would like to enlight that there is one guy at MS in London which is an Associate within MS FIG team (insurance) and he has started his career as an actuary at KPMG. I don't know how many people made the switch from Actuary to Investment Banker but I am pretty sure that if you have this specific set of skills you may still leverage it for some specific position (ie insurance).
Best of luck.
I'm grateful that I have two middle fingers, I only wish I had more.
- WallStreetBB
- |72
- | Rank: Senior Monkey
1. Your stats are good enough to land a position. Actuarial science is more of finance related topic than English and I know quite a few english majors with much lower GPA's who have been able to land coveted IBanking positions. You're going to need to research the culture of each firm and try and best determine where you feel you'll fit best. Also would be good to pick up one of the interview guides and familiarize yourself with the concepts. Interviewers won't be too hard on you since you didn't study finance in school but most attention will be given to your fit (how well you would work with others at the firm) and drive.
2. All of the above. Your most effective will be networking but it doesn't hurt in to apply as well. I would spend business hours concentrating on networking and save the website applying for the evening hours.
3. Not necessarily, You're still young but you want to be doing something that shows recruiters some gumption in the interim. Don't just spend it at home. Take an online class. Volunteer. Find an unpaid internship. Something so that you are staying active. Don't become the still lake. Be the river.
4. Depends on the firm. Some firms would not pay relocation so that would be on you to bite the bullet on the cost. There are plenty of opportunities out west but if it's not poppin for you in your hometown, sometimes you have to take the show on the road.
5. Yes.
Good luck and feel free to PM me if you have any other questions.
- 5ways2doit
- |129
- | Rank: Baboon
Isn't that degree at Wharton?
- InvestmentConfucius
- |106
- | Rank: Baboon
Thanks for your answers.
@WallStreetBB : I am actually working right now... I am making ~50k as a sales consultant but I am not content with that. I know that with hard work I could be making more. I am located in Norcal (40 minutes from SF). Should I focus my search there? Do you have any list of banks and financial companies that are located there (I know I am asking too much, being a complete stranger).
I will PM you with other more specific questions.
Everyone else, feel free to give me your advice, insight or opinion.
- InvestmentConfucius
- |106
- | Rank: Baboon
@"5ways2doit" There are degrees in actuarial science from some (not many) UG programs.
- 5ways2doit
- |129
- | Rank: Baboon
I forgot the name of the guy over the entrepreneurial program at FSU but he is well connected to wall sstreet.I know a few people that just graduated from FSU that are in banking because of him.
If your interested in middle market, Raymond James financial has many FSU alumni. Just get in touch via linked in or alumni directory. My brother and sister graduated from there so I know quite a bit about FSU.
- InvestmentConfucius
- |106
- | Rank: Baboon
- 5ways2doit
- |129
- | Rank: Baboon
- InvestmentConfucius
- |106
- | Rank: Baboon
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- A Story of Breaking out of BO/MO HellThank you to everyone on WSO for giving me the tools and courage to pursue this huge career change. After 6 months of slowly decaying in a middle office role, I was finally able to land a FO Coverage role at a BB (think Deutsche/BMO/UBS). Here is my story: My Background: I came from an...
- From 100 Plus Rejections, To Accepting A Great OfferAfternoon, I am posting my success story for a few reasons. First, to (hopefully) inspire someone in a situation that I was in. And second, to thank members of high finance and this website specifically. I will try to keep this as brief as possible. Background Why High Finance I...
- How to be a good employeeI've been writing for this site on and off since 2012, and while I don't work in the banking business per se, I work in a related field, and I've been lucky enough to have employed five great analysts over the years. So at age 43, and having been an employer many times over, I have a few...
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"Why does the color say "brown purple"? I don't see any purple. Is there purple in this rug? I don't want purple! Thank you."
Safavieh Handmade Soho Fans Brown New Zealand Wool Rugby Safavieh
ITEM#: 15039013With a plush 0.5-inch pile height, this soft wool rug is a welcoming touch of cushion to your tired feet. A dense, thick pile of New Zealand wool highlights this handmade rug. Using fresh designs and the most up to date colors this rug is a welcomed addition to any room and will be enjoyed for many years. This floor rug has a brown background and displays stunning panel colors of ivory and red.
- Durable cotton canvas backing
- 2' 6 x 4', 2' 6 x 8', 6' x 6' Round, 6' x 6' Square, 6' x 9', 8' x 10'
- Primarily crafted of Wool
- Latex backing
- Pile height is 0.5 inch
- Contemporary style
- Primary color is Ivory
- Pattern is Geometric
For over 100 years, Safavieh has been crafting rugs of the highest quality and unmatched style. Click here to learn more.
Tip: We recommend the use of a non-skid pad to keep the rug in place on smooth surfaces.
All rug sizes are approximate. Due to the difference of monitor colors, some rug colors may vary slightly. We try to represent all rug colors accurately. Please refer to the text above for a description of the colors shown in the photo.
Please keep in mind that new wool rugs may initially shed and have a natural capacity to shed for several months after purchase. This is normal due to the nature of construction of most wool rugs and not a defect. Click here to view our Wool Rug Care Guide.
|New Zealand Wool, Wool
|Geometric, Graphic
|Contains Latex
|Weave Type
|Rectangle, Round, Runner, Square
|Brown, Purple
|Rug Type
|See Description
|Model Number
|Country of Origin
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Hello pjrana, we do apologize for the confusion, this item does not feature purple as well. Thank you for shopping with us.
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- - Fits true to size, take your normal size
Designed to look alluring yet offer practical support, Agent Provocateur's cutout 'Tanya' bra has nude tulle-lined cups for invisible lift. Crafted from French Leavers lace, it's finished with satin paneling and picot-detailed straps. Team it with the matching thong and suspender belt.
Wear it with: Agent Provocateur Stockings, Diane Kordas Necklace, Diane Kordas Ring.
- - Dark-purple Leavers lace and satin, nude tulle
- - Hook fastenings at back
- - 36% silk, 32% polyamide, 19% viscose, 10% polyester, 3% elastane
- - Hand wash
- - Designer color: Deep Violet
Product Code: 508903
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Looking for Page product ecommerce site Workers or Work?
Need help with Page product ecommerce site? Hire a freelancer today! Do you specialise in Page product ecommerce site? Use your Page product ecommerce site skills and start making money online today! Freelancer is the largest marketplace for jobs in the world. There are currently 17,764 jobs waiting for you to start work on!I Want to Hire I Want to Work
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|Price (USD)
|Price (USD)
|Wordpress Fixes needed
|Need a wordpress expert to make some fixes to my wordpress ecommerce site. Fixes are below Changes include 1. Change Logo 2. Fix Checkout page footer to look 100% like other pages 3. Delete Color Variations from each product (22) 4. Fix Checkout page so that it's better organized. 5. Connect local pickup plugin so that it works good. User should be able to choose between shipping (...
|PHP, WordPress, CSS, HTML
|May 24, 2017
|Today6d 8h
|Create dropdown widget with high volume of CSV data
|We have an ecommerce selling wheel and tires, the biggest failure on our website is tire and wheel search. Actually we are using VPF YMM for Woocommerce and addmakes for tire size with visual composer tab. You can visit our website and try to search wheel for a car, you'll see, many products doesn't appear and the process is WAY too slow. [url removed, login to view] Th...
|PHP, AJAX, WordPress, CSS
|May 24, 2017
|Today6d 8h
|automating non voip sms verification
|Background - My SEO project requires me to login to client ecommerce websites as a new customer and crawl their site for SEO optimization assignments (Google, Bing, Yahoo). An example would consist of me generating new email (gmail) accounts that requires random unique sms enabled phone number to receive the verification. These verification codes would then be used to authenticate the new email ...
|Asterisk PBX, Cisco, VoIP, FreeSwitch
|May 24, 2017
|Today6d 6h
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|PHP, Java, Website Design, eCommerce, HTML
|May 24, 2017
|Custom single product page
|need a custom product page like on the picture. working with flatsome theme. thanks.
|PHP, WordPress, CSS, HTML
|May 24, 2017
|May 24, 20175d 19h
|Hire an eCommerce Developer
|Hello, I hope this message finds you well. I'm an e-commerce business entrepreneur wishing to set up my Company's presence on an online platform and to integrate all my customers and Chinese e-shoppers to this platform, so as to sell my products and services. I am looking for a freelancer to help me with my project. The skill required is eCommerce, web development. I am happy to pay a f...
|PHP, Website Design, eCommerce, Software Development
|May 24, 2017
|May 24, 20175d 15h
|Web development
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|PHP, Website Design, Graphic Design
|May 24, 2017
|May 24, 20175d 12h
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|Photoshop, Photo Editing
|May 22, 2017
|May 22, 20174d 8h
|newsletter and advertising page
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|Marketing, Advertising, Leads, Newsletters
|May 21, 2017
|May 21, 20172d 23h
|Build a Website
|Here is brief description about project : Title of project : growth calculator for eCommerce seller 1)This Website's basic use is to calculate profit&loss , track returns , highly return products , high earning products etc , with data and also graph . 2) this website is design for sellers who sell online in marketplaces like Flipkart , snapdeal, ebay , amazon etc. 3) User come ...
|PHP, Website Design, Accounting, Excel, HTML
|May 20, 2017
|May 20, 20171d 19h
|Graphic Design, HTML, PHP, Python, Website Design
|May 20, 2017
|May 20, 20171d 17h
|Android ecommerce app
|*READ CAREFULLY BEFORE BIDDING* We need an androind app built. Overview workflow and design has been already created Functionalities - 1. Payment gateway integration 2. Dynamic pricing calculation 3. Maps integration 4. Ecommerce-like functionality 5. Order management 6. Email notifications 7. Local sign in and singup 8. Google and facebook singin Please bid with links to iOS and/or android ap...
|Mobile Phone, Android
|May 19, 2017
|May 19, 201722h 31m
|Build an Ecommerce website
|I am looking for someone to build a very small eCommerce website of minimum five [url removed, login to view] should be eye catchy .This is urgent Project. Only bid if you can complete in five to 7 days. Note: Payment will be made after project Completion.
|Website Design, Shopping Carts, WordPress, eCommerce, HTML
|May 19, 2017
|May 19, 201713h 3m
|Build a shopify theme for eCommerce
|i need to build online store theme for shopify unlimited categories simple interface there is a theme on shopify called (simple and supply ) it's free one i want the same interface very simple but unlimited categories and nice looking interface as professional website as i want this ASAP don't ask me to pay advance i don't pay any money till your job is done thanks
|PHP, Website Design, Shopping Carts, eCommerce, HTML
|May 18, 2017
|May 18, 20177h 44m
|Diablo/WoW Expert (add products MMO eCommerce)
|Job is adding products in online store, using provided source files and/or given sources. You need to be expert to be able to: 1) correct any errors and typos (especially items that do not exist) 2) paste right info into the right place to make navigation through offers as easy as possible (attributes/filters, keywords/SEO etc.) 3) add or at least make a list of missing info (more information, ...
|Data Entry, MMORPG, Virtual Assistant, Product Descriptions, Product Management
|Apr 16, 2017
|Apr 16, 20172d 20h
|wordpress expert required. -- 2
|I purchased a basic eCommerce site. I have uploaded the site and am able to view the site and make changes in wordpress. I need to enhance the order page, add a gallery and enhance the contact page. On the order page I need to add products->subproduct->subsubproduct selection. I want to be able to have an image for the products and sub product. Also want to be able to display a number based ...
|PHP, Mobile Phone, WordPress, eCommerce, HTML
|Apr 1, 2017
|Apr 1, 2017Ended
|wordpress expert required.
|I purchased a basic eCommerce site. I have uploaded the site and am able to view the site and make changes in wordpress. I need to enhance the order page, add a gallery and enhance the contact page. On the order page I need to add products->subproduct->subsubproduct selection. I want to be able to have an image for the products and sub product. Also want to be able to display a number based ...
|PHP, Mobile Phone, WordPress, eCommerce, HTML
|Apr 1, 2017
|Apr 1, 2017Ended
|Duplicate existing Wix ecommerce site
|I have an existing site that I need duplicated on the Wix platform. This will NOT require any programming or advanced coding knowledge, but will require a bit of Wix knowledge and data entry. I basically need someone to go through my existing site and copy all the products over to the new site. So that I know you read and understand this task, when providing your bid let me know what color the sky...
|Data Entry, Copy Typing, Wix
|Feb 12, 2017
|Feb 12, 20175d 6h
|Ecommerce SEO - Opencart
|1) I need an SEO expert to optimize an ecommerce platform in OpenCart. I need first position Google 2) From what I've seen, the average time is 3 to 4 months. I want to know if this is possible even 3) What's included in your work? 4) How much? My Website [url removed, login to view] Keywords (Brazil) - Computador usado - Notebook usado - Monitor usado - Dell usado -...
|Internet Marketing, SEO, Link Building, Leads
|Jan 5, 2017
|Jan 5, 2017Ended
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SCHAUB-LORENZ 229 W MIT KW Circuit Diagrams
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The Bee's Knees
Written by Roger McGough
Illustrated by Helen Stephens
Lovereading4kids Price £5.59
£6.99 saving £1.40 (20%)
The Bee's Knees by Roger McGoughA brilliant collection of brand-new poems from 'the patron saint of poetry'. Longer, narrative poems sit comfortably with Roger McGough's sharper observations and insightful words in this collection, perfectly illustrated in black-and-white line by Helen Stephens.
About the Author
Other Formats
Book Info
80 pages
Interest Age: From 7
Roger McGough
More books by Roger McGough
Author's Website
Puffin an imprint of Penguin Books Ltd
Publication date
25th September 2003
I love Lovereading because I often never know what to read and this helps you find a good book. I have recommended this to many people.Shannon-Louise Masters – age 15
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text:
All Around Us
Now we're watching some silly TV shows and eating gelato and my favorite lavender blueberry chocolate bar.
The sun is shining more here, which means tomorrow will probably consist of a glorious bike ride
and maybe even a picnic in the park!
I am so thrilled to see all of these beautiful colors blooming up all around us.
The yellows, pinks, and greens of spring make me so happy.
Fishtail shirt: Mini Penny Shop | Belt, boots : Thrifted | Dress: Little boutique in Chicago (can't remember the name!)
And I've got a couple really neat features on my friends blogs this week!
My sister and I did a fun little DIY project on my lovely friend Amber's blog, Amber Zonbie,
and my dear friend Gem did a sweet interview with me on her blog, Blackbird!
So click around and check out my amazing friends blogs ;)
20 comments:
your hair looks exceptionally glorious in these shots.ReplyDelete
Your hair looks so pretty here! I really love your white dress with the long floral top layered over top.ReplyDelete
You are so pretty and your hair is perfect. Great spring/summer photos :)ReplyDelete
I love that shade of red and your hair in general!! So pretty!ReplyDelete
You look so gorgeous- Your hair is really bright. Beautiful!ReplyDelete
So beautiful, as always!ReplyDelete
The Occasional Indulgence
You have such a pretty smile!ReplyDelete
xo Jennifer
your hair is gorgeous. wow!ReplyDelete
the backdrop of this is so gorgeous, it looks fake! lovely photos, you babe.ReplyDelete
I'm loving the color of your hair! XReplyDelete
Oh my gosh, your hair is looking phenomenal! xReplyDelete
You look amazing! And I love your hair:)ReplyDelete
Thanks for your sweet words on my last post! I always highly appreciate it when you take time to comment!ReplyDelete
I adore this outfit of yours, the dress is so, so pretty and I love how you styled a long shirt with it! Just lovely.
Have a great day,
Your hair is amazingly bright!!ReplyDelete
Aww thanks friend! Fun DIY and I loved featuring you two!ReplyDelete
Looking super cute as usual!
So pretty and beautiful, incredible and perfect hairReplyDelete
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I just can't stop dreaming about the place there :) It's so beautiful and you perfectly suits there :) It's awesome!ReplyDelete
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Danica Stark
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text:
Policy Documents needed for Louisiana Health Insurance
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Frequently, the skinny type of demarcation between 'acute' and 'chronic' ailments is an item of contention between your insured individual and also the insurance provider. Let's take bronchial asthma and diabetes into account. They are chronic ailments which ensures they can't be healed. They're next to you in their existence. The same thing goes for several types of cancer that can't be classified. Within this situation, it's for that doctors to select the very fact whether the specific type of cancer could be healed or otherwise. However, for the reason that situation, there's still the chance that the condition may go worse and diagnosis turn into incurable.
The implication is the fact that as lengthy because the condition might be curable, you need to result in the maximum from your coverage. However, just in case diagnosing deems the condition being an incurable one, you'll probably lose your cover. The insurance providers in Louisiana have this right of reclassifying an disease from severe to continual throughout the process of cure.
Long-term healing options: Individuals who're thinking about the choice of taking a long-term healing for his or her illness ought to be frustrated because the health insurance benefits by doing this aren't much. Regardless of the situation, you have to sign in using the documents which are specified to become created for the insurance plan. Here, you'll find an elaboration from the term 'long term' and proceed accordingly. This should help you see whether your kind of illness falls inside the scope from the health care insurance.
Preventive medicine: Health insurance guidelines in Louisiana cannot be part of obtaining for costs for preventive treatment. It just covers solution and management of your conditions. The word 'preventive' can also be contradictory one of the insurance providers, as certain preventive drugs prevent condition.


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Gift Ideas
DIY paper box : tutorial: Simplest Box Ever | Damask Love
a printer that uses pencil. No more expensive ink, and its erasable!-This is so cool!
How to Shop for Children at Christmas (author unknown)
A lamp with take along glow balls for walking places in the middle of the night... I want this cause my house is SCARY at night.
Summer Ice Cubes - DIY with fruits
Stocking Stuffers for Your Husband....or boyfriend ;)
Travel iron and great for office touchups. Crisp up collars, hems, and pockets between two heated plates. Smooth between shirt buttons, too. For bigger areas, the plates rotate into a mini iron.
Taste Book
#1. Freeze Cooling Wine Glasses -- 17 Awesome Products That Will Make This Your Best Summer Ever
The Invention of Murder by Judith Flanders | 13 Books To Read This Halloween #halloween #scaryreads


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UPDATE 1-Moody's sees Glencore paying up to $6 billion in possible Bunge deal
* Glencore would be likely to keep Baa2 rating (Adds Moody's comments, details of a possible deal)
March 15 The following are the top stories in the Financial Times. Reuters has not verified these stories and does not vouch for their accuracy.
New BoE deputy governor Charlotte Hogg resigns after damning report on.ft.com/2mq2p6i
Pressure is on Unilever to meet investor expectations on.ft.com/2mqfQmV
Support for Scottish independence hits record high, survey shows on.ft.com/2mq1fI5
New GSK boss to be paid less than predecessor on.ft.com/2nlDBRM
The Bank of England's new deputy governor, Charlotte Hogg, has resigned for failing to declare a potential conflict of interest about her brother's role at Barclays Plc which prompted an unprecedented rebuke from Parliament.
Unilever Plc is conducting a sweeping review of the Anglo-Dutch company that could result in a return of cash to shareholders, medium-sized acquisitions and more aggressive cost cuts.
Support for Scottish independence is at its highest ever but anti-EU sentiment has also reached a record high, according to a survey by ScotCen's Scottish Social Attitudes.
Incoming GlaxoSmithKline Plc Chief Executive Emma Walmsley will receive lower pay than long-serving predecessor Andrew Witty, reflecting her lack of experience in the role. (Compiled by Ismail Shakil in Bengaluru; Editing by Sandra Maler)
* Glencore would be likely to keep Baa2 rating (Adds Moody's comments, details of a possible deal)
LONDON, May 26 Miner and trader Glencore may have to pay up to $6 billion in cash in a possible tie-up with U.S. grains trader Bunge based on current valuations, Moody's ratings agency said on Friday, adding it did not expect an outright acquisition.
* World stocks lower, flatter Wall St threatens 6-day win streak


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Food industry quotes of the week - Divine Chocolate, Nomad, Abbott
This week, Nestle said it was withdrawing its Maggi noodle brand in India after a food safety scare that has seen local authorities insist the product has elevated levels of lead. Elsewhere, Abbott Laboratories was tied up in a class action lawsuit over its Similac product with allegations it is misleading consumers since the product contains non-organic ingredients. Elsewhere Nomad Holdings confirmed it is in acquisition talks with Findus Group. just-food visited the Free-From Expo in Barcelona this week and spoke to Warburtons among others. We also interviewed the CEO at Divine Chocolate. Here is the week in quotes
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I started writing this series over a month ago, and you haven't seen an update since. That isn't because I haven't been writing things, or planning posts–I certainly have. It's because they've all suffered from one fundamental problem.
They've been boring.
See, I'm writing this series for two audiences at once: the people who play roleplaying games, and the people who have never actually done that before. And it is challenging to write posts in a way that keep the attention of both groups. People who've never tried RPGs often have an understandably loose grasp of the fundamentals and practicals, and people who run them all the time don't want to stick around for five or six sessions of tutorial. Writing a series the way I was writing it, I was bound to lose somebody.
So I've found a workaround.
I intend to show my readers the goals, tools, systems, and pitfalls of tabletop roleplaying games. It occurs to me that there are few better ways to do this than to take a leaf from Shamus' book and just make something already. Instead of talking about RPGs as an abstract and elbowing vaguely at the context they fit into, I'm going to design a game from the ground up and talk about exactly what's going into it and why. Eventually the game will be playtested and released in full.
Key parts of this process I will entrust to you, the readership. Speaking of which…
When you get right down to it, playing an RPG is just telling a story with your friends. So why is the "game" part there at all? Why are the dice there? The character sheets? The rulebooks as thick as cinderblocks? The graphs, the miniatures, the wiki with six open tabs, the supplement, the dog-eared binder of house rules?
No two groups are going to have exactly the same answer to that question. Some people just enjoy rolling dice. Some people like the strategic parts of the game and enjoy the extra layer of lateral thinking that RPGs usually offer over your classic rigid, heavily constrained boardgame. Some people like having the rules there because it provides a check that keeps any one person from ruining the experience. But the commonest, simplest, truest answer is this: if you design the rules correctly, they'll help you tell a better story than you would have come up with on your own.
That's something the really hardcore roleplayers, like myself, are sometimes reluctant to admit. People who've played too many poorly designed systems are used to rules that just get in the way of storytelling; for them, die rolls and result tables are crutches for people who can't keep up or bones tossed to the Magic: The Gathering player who joined out of boredom. But they don't have to be. A good RPG system can salvage a story the way a great director can save a mediocre script.
I'll be exploring why that is as I design my system. Now, I'm not going to be making what's called a "general system." General systems are like platformers in the 80s: the idea is that you can pretty much adapt them to fit any kind of story, setting, and tone that you want. They exist to make sure player-controlled characters succeed when they ought to and fail when they ought to, and that's it. The system itself is practically a glorified referee.
But the other kind of game, and one I'm going to be exploring in great length, is a game designed to help tell a specific kind of story. For example: every single mechanic in the game Apocalypse World is supposed to make players feel like their world and their lives are hanging by a thread, which makes it great for gritty post-apoc stories. Everyone is John introduces a scoring system to make players compete and rapid, Mario-Kart style turnarounds to make sure players are always pushing for the boldest options possible–making the game ideally suited to slapstick. And Great Ork Gods lets players decide how easy and hard things are for each other, thus creating exactly the hostile, macho orky atmosphere the developers intended.
So here's where you come in. What kind of story, mood, or attitude should my homebrew system strive for? Post your suggestions in the comments.
Previous in So You Think You Can RPG: So You Think You Can RPG: Gamer's Origins
Next in So You Think You Can RPG: So You Think You Can RPG: Fundamentals


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Mizuno Supreme Series: GXC94 Youth Catcher's Mitt
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15 Product Reviews
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My Daughter is 13 yrs old. I was wanting to buy her a new catcher's glove and was wondering if a 34 inch glove was too big?
For a 13 year old, you could go after a 34" catcher's mitt if you would like. That length would provide some room for growth. However, since this Mizuno Supreme Series (GXC94 Youth Catcher's Mitt) is considered to be a youth fitting mitt, I might recommend avoiding this mitt.
How much smaller is the GXC95Y than the GXC94. Im looking to replace my sons Prospect with a deeper pocket, he is also 9.
The Mizuno Supreme Series (GXC94) Youth Catcher's Mitt and the Mizuno Samurai Series (GXC95Y) Youth Catcher's Mitt will have relatively similar pockets. The GXCk94 is a little larger, but I do not believe it is a big difference that you would be able to tell easily.
My 11 year old loves his Mizuno Prospect but it's getting small. He is a serious catcher on a travel team and wants another Mizuno. He is smaller and weighs 85 pounds with small hands but we want something he will grow into for several years. Do you recommend GXC94 or something a bit smaller?
I would think that the Mizuno Supreme Series (GXC94) should be a good fit based on your description of the player.
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When staying at the casa hotel, this is a real good choice for dinner. Very friendly personel. Good staeks and nice wine. Lifely ambience but not too loud.
1 - 10 of 413 reviews
When staying at the casa hotel, this is a real good choice for dinner. Very friendly personel. Good staeks and nice wine. Lifely ambience but not too loud.
I booked this restaurant based on the trip advisor reviews but was hugely disappointed. The variety of food was poor and the prices were astronomical. Between me and my husband we had 1 beer, 1 glass of wine, a starter each and a main course,...More
Dear Morty01, Thank you for your review regarding your recent visit to Cocina. I am slightly puzzled as to your complaints, as I am not entirely sure on which day you dined in Cocina. with regards to your complaint regarding the variety of the dishes,...More
We had a family celebration, with sixteen people enjoying a Sunday Lunch. Our orders arrived quite promptly, hot,nicely served and very tasty. The atmosphere in the restaurant was very amiable and pleasant. The staff iwere very attentive to all our needs without being overzealous, checking...More
Dear Duncan737, Thank you for such a brilliant review regarding your most recent visit to Cocina. All your comments regarding food quality, atmosphere & the attentiveness of the staff are very warmly received. I am glad you found portion size to be of an adequate...More
We dined on Saturday and the food looked great but did not live up to apperience. On Sunday food looked good and was great.
Dear Robert C Thank you for taking your time to leave us a review. If you would like to contact us directly, we will be able to address your feedback. Kind Regards Cara Spence Food and Beverage Manager
I think our expectations were too high before we ate here. First of all the pre drinks bar next to restaurant cannot cope with the volume of guests. The service in the restaurant was good and it was full. The food was ok but not...More
Dear LynMichael, Thank you for leaving a review of your recent visit to Cocina Restaurant. I am sorry that you found our bar within the Restaurant to be too small for you. For pre-dinner drinks we do have options, just downstairs from Cocina we do...More
This was one of the best meals we have had in a hotel restaurant. Tapas to start followed for me with fresh asparagus grilled with broad beans and new potatoes for my husband a marvellous chicken and lentil dish. We followed this with for me...More
Dear Hodgee234 Thank you for your glowing review of your recent visit to Cocina Restaurant. I am very pleased to hear you had such a great experience and enjoyed the food so much. We are very proud of our chefs here and they are always...More
I visited this place with my wife and children as we were staying locally for the night and we like Spanish food. I wouldn't go back. Positives: nice tapas, good wine, nice surroundings. Negatives: Was looking forward to paella after other reviews. I love paella....More
Dear Mark L Thank you for your review of your recent visit to Cocina Restaurant. I thank you for your good comments regarding the tapas, wine and general ambiance of the restaurant, I am however disappointed that you did not enjoy the paella after you...More
For the last four years, myself and my partner have been to Casa for either a meal or hotel stay for our anniversary. We decided that this year, we would book the Jacuzzi and Sauna suite as a treat. At £400 a night, I would...More
I would urge readers of the above review to disregard it as it is merely an attempt at financial recompense for being asked to produce photo ID when ordering an alcoholic beverage. We resolved this on the night of their stay and this review is...More
I ate here last week, whilst staying at Casa hotel. The restaurant itself is magnificent, the staff very pleasant and the food was second to none. Well done to one and all, I will be back for sure.
Dear Paul B, Thank you for your fantastic review of your recent meal with us at Cocina Restaurant. Your comments regarding our pleasant staff and excellent food are much appreciated. We hope to see you again soon. Kind Regards James Donald Assistant Restaurant Manager
A wider range of food than most hotel restaurants. Very difficult to make a choice.Some very unusual dishes (Scallops & Belly Pork!!) Good for a special occasion but rather too expensive for everyday.More
Dear Oldy47 Thank you for taking the time to leave us a review. I am glad you found the menu choices to be varied. We aim to cater to all tastes, whilst offering something different. With regards to price we do offer a early evening...More


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Total number of Perfect Stitch stores in Ontario-Canada: 2
The biggest mall in Ontario with Perfect Stitch store: Fairview Mall St. Catharines
Perfect Stitch stores in Ontario - get information about the brand Perfect Stitch and all Perfect Stitch locations in Ontario, Canada.
Select Perfect Stitch store in Ontario from the list below. All Perfect Stitch stores are also displayed on the map below.
2700 Boulevard Laurier, Québec, QC G1V 4J9253 stores
3035 Boul. Le Carrefour, Laval, Quebec H7T 1C8368 stores
4700 Kingsway, Burnaby, BC V5H 4M1, Canada195 stores
3255 Highway 7 East, Markham, ON L3R 3P9235 stores
3401 Dufferin Street, Toronto, Ontario - ON M6A 2T9, Canada
1200 St. Laurent Blvd., Ottawa, Ontario - ON K1K 3B8, Canada216 stores
10355 152 Street, Surrey, BC V3R 7C1, Canada214 stores
1, Boulevard des Promenades, Saint-Bruno-de-Montarville, Quebec J3V 5J5324 stores
25 Peel Centre Dr, Brampton, ON L6T 3R5188 stores
7275 rue Sherbrooke est, Montreal, QC, H1N 1E9


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Our Career Video Library includes 100's of videos. Feel free to Browse the videos that interest you.
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Source: Strategic Culture Foundation
Islamic State militants have occupied the southern part of Mashtat Nour mountain near Kobani, Xinhua reported Sunday.
According to the newspaper, the mountain is of strategic importance for the jihadist group to further extend its offensive on Kobani.
Kobani is city in Syria's Aleppo Governorate,
Read more…


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Genius puzzles riddles, Gpuzzles is directed towards the people interested in puzzles, riddles, and quiz and is suitable for a wide array of people as they cater for all iq levels.. Myrebus, Rebus generator and creation tool july 2016. new icons added! jan 2016. welcome to myrebus with a new look, more and bigger icons that look better on small and. Logic puzzles, funny riddles brain teasers , Lateral thinking puzzles, mind teasers, tricky riddles. puzzles for kids and brain teasers for adults..
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News Digest
Drug abuse in Russia
Pictures made photographer Lorena Ros, it was in St. Petersburg in October 2008.
A look at the life of drug addicts is hard, but it is a reality, and nowhere on it does not go.
See also
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Our Russia
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Drug abuse in Russia.
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What Americans think about the Russian army ...
This is possible only in Russian. Part 4 (38 photos)
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K-Ske Hasegawa
From Wikipedia, the free encyclopedia
K-Ske Hasegawa (ハセガワ ケイスケ? Hasegawa Keisuke, born December 26) is a male Japanese light novelist from Fukui, Japan. In June 2003, he made his debut with the Ballad of a Shinigami series of light novel and has gone on to create several other works. He enjoys listening to the bands Bump of Chicken, The Pillows, Number Girl, and Zazen Boys, among others, and makes references to song lyrics produced by these bands in his work.
- Ballad of a Shinigami
- Bludgeoning Angel Dokuro-Chan desu (collaboration)
- Jii-chan Jet!!
- Mizutama Panic.
External links[edit]
- K-Ske Hasegawa's personal website (Japanese)
|This article about a Japanese writer, poet, or screenwriter is a stub. You can help Wikipedia by expanding it.


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Is this attraction good for small groups (less than four)?
Is this attraction free to the public?
Is gratuity suggested at this attraction?
Is there food available at this attraction?
Is a car required to access this attraction?
Is this attraction accessible using public transportation?
Is this attraction closed during certain parts of the year?
Does this activity require advanced planning, ticketing or bookings?
Is this activity accessible without advanced planning or bookings?
Is this attraction a "must-see" location?
Thanks for helping!
We have visited Yue Hau Bay, opposite Prince Bay Park, in April this year. It was a small pond with a pavilion (Zhong Yuen Lau) and a promenade around. The place was very...
read more
The pavilion was named Zhong Yuen Lau which situated near to Prince Bay Park and next to Hao Gu Bay. There was a pond and a nicely built structure on the opposite side of the pond. You could access to other tourist spots along the nearby Yang Gong Causeway.
We have visited Yue Hau Bay, opposite Prince Bay Park, in April this year. It was a small pond with a pavilion (Zhong Yuen Lau) and a promenade around. The place was very peaceful and easy to get around taking a few photos before leaving the area.
The pavilion is actually quite nice and has photo opp written all over it. However, during Golden Week (October 1-7) it appeared as though it was the only Pavilion in the world and everyone had to take a picture here. It looked as though it might fall into the lake as it was horded with people. So we tried but...
Own or manage this property? Claim your listing for free to respond to reviews, update your profile and much more.


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I have a few limited edition copies remaining from my first three published books and will sign and ship anywhere – please check out my Super Saving Prices by clicking on my about.me link on this page!
from Hillary Clinton's 2017 commencement address at Wellesley College"Everyone is entitled to his own opinion, but not to his own facts." Daniel Patrick Moynihan
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Forum indexRetouchingChange forum
Snow drifts, blanket snow tutorial
Started Oct 4, 2011 | Discussions thread
Shop cameras & lenses ▾
Mike Warren • Veteran Member • Posts: 8,490
Re: Snow drifts, blanket snow tutorial
In reply to water1 • Oct 5, 2011
Bill posted a great tutorial for adding snow to the ground.
Click on the link to download my action to add falling snow.
There is also an action included for rain.
water1 wrote:
I looked through the archives and there were a couple broken dated tutorial links for adding snow to scenes. Dropping the cash on Alien skin for a few images seems a bit of a risk. Any new approaches?
Mike Warren's gear list:Mike Warren's gear list
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Demolition (disambiguation)
From Wikipedia, the free encyclopedia
|Look up demolition in Wiktionary, the free dictionary.
Demolition is the tearing-down of buildings and other structures.
Demolition may also refer to:
- Demolition!, the initial name of Alfred Bester's 1953 science fiction novel The Demolished Man
- Demolition (professional wrestling), a former WWF tag team
- Star Wars: Demolition, a non-canon vehicular combat video game set in the Star Wars universe
- Demolition (1978 film), Australian TV film
- Demolition (2015 film), an American film starring Jake Gyllenhaal
- Demolition (TV series), a 2005 UK programme
- "Demolition" (The Young Ones), an episode of The Young Ones
- Demolition (Dungeon album)
- Demolition (Girlschool album)
- Demolition (Judas Priest album)
- Demolition (Ryan Adams album)
- "Demolición", a 1965 Peruvian rock song
- Demolition Records, a defunct 21st century UK recording label
|This disambiguation page lists articles associated with the title Demolition.
If an internal link led you here, you may wish to change the link to point directly to the intended article.