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About Us
Our Businesses
About Us
Vision, Values & Beliefs
Corporate Governance
Group Holding Board
Our Partners
Our Journey
Our Presence
Awards & Recognitions
about us
group holding board
Group Holding Board
The GMR Holding board is the apex decision making body for the Group consisting of the Group Chairman, the Corporate Chairman and the Business Chairmen. It focuses and drives strategic initiatives, approves business and annual operating plans besides developing a pool of leaders for the future.
Mr. G M Rao, Group Chairman - GMR Group
GM Rao, a Mechanical Engineer, is the Founder Chairman of the GMR Group, the global infrastructure developer.
Born in Rajam in the Srikakulam district of Andhra Pradesh in India, GM Rao ventured into business starting with a single jute mill in 1978. Since then, till before India's economic liberalization, circumstances compelled him for opportunity driven business building.
He entered 28 businesses as a serial entrepreneur and exited most of them with the opportunities thrown up by the opening up of the Indian economy in the early 1990s. As a part of the post-liberalization generation of entrepreneurs, his moves became entirely strategy driven and focused on long term objectives. Eventually, his single-minded focus on the core infrastructure sector resulted in GMR Group exiting some of the highly attractive businesses of banking, insurance, software, breweries, jute and sugar.
In his long journey, GM Rao evolved from a student leader, to a trader, to a manufacturer, to a banker, to an infrastructure developer.
Over the last 4 decades he has successfully established GMR Group, as one of the most recognized brands in the country, creating national infrastructure assets of global scale and world-class quality, creating new benchmarks. The Group is now well diversified and professionally managed infrastructure developer with focus on Airports, Energy, Transportation and Urban Infrastructure including SEZs.
While business grew rapidly, GM Rao laid special emphasis on long term prosperity by focusing on institution building as well. The GMR Group Vision states "GMR Group will be an institution in perpetuity that will build entrepreneurial organizations making a difference to society through creation of value." A set of seven core Values & Beliefs was arrived at, to define the GMR Group's distinct organization culture. This was further strengthened by a Code of Conduct for all employees, emphasizing on ethical and professional behaviour.
Rao believes that "Family must be run like Business and Business must be run like Family". He made the pioneering effort in formulating a Family Constitution taking expert opinion from world renowned consultants. This is now formalized into a legal document, with all immediate family members including spouses as signatories.
He says "Strong family governance ensures strong corporate governance". He believes that this will ensure a smooth transition of business from generation to generation, and at the same time, enable professionals to discharge their rightful roles in the growth and development of the Group.
GM Rao's vision in 3 dimensions of business building, institution building and family governance had a 4th dimension built into it, that of giving back to society. This, he started very early on, in his career. Eventually, he set up an independent, professionally run, company, GMR Varalakshmi Foundation, to channelize funds for social causes for the benefit of the under-served in society. Today, the Foundation is active in 25 locations in India and Nepal and its 4 areas of activity are education, healthcare, livelihood and community development and it has received wide national recognition for its impact in the sections of society it serves.
To ensure that his legacy lives on beyond his lifetime, he made an endowment of the entire portion of his personal wealth to the GMR Varalakshmi Foundation in March 2011.
He was conferred with the honorary Doctor of Laws by York University, Toronto, Canada in 2011, the honorary Doctor of Letters by the Andhra University, India in 2010 and honorary Doctor of Letters by the Jawaharlal Nehru Technological University, Hyderabad, India in 2005. He received the award for the 'First Generation Entrepreneur of the Year' from CNBC TV18 in 2009. In the same year, he received the Infrastructure Person of the Year award at the Infrastructure Journal Award Ceremony held in London. He was also chosen as the 'Entrepreneur of the year' at the Economic Times Awards for Corporate Excellence 2006 – 07, apart from numerous other awards and public recognition throughout his career. He has served on the very prestigious Central Board of Directors of Reserve Bank of India (RBI) from year 2011 to 2015.
For his considerable achievements, he insists "All the credit goes to my GMR colleagues and my family for their understanding, shared vision, hard work and dedication".
Mr. Srinivas Bommidala, Chairman - Airports
One of the first directors of the Group and has been a member of the Board since 1996, Srinivas Bommidala entered his family tobacco export business in 1982 and led the diversification into new businesses such as Aerated water bottling plants, etc. He was also in charge of international marketing and management of the organization.
Subsequently, he led the team as the Managing Director of GMR Power Corporation Limited for setting up the first Independent Power Project. Situated at Chennai in southern part of India this 200 MW project with slow speed diesel technology is the world's largest diesel engine power plant under one roof. He was also instrumental in implementing the 388 MW combined cycle gas turbine power project in Andhra Pradesh.
When the Government of India decided to modernize and restructure New Delhi airport under a Public Private Partnership in 2006, he became the first Managing Director of this venture and successfully managed the transition process from a public owned entity to a public private partnership enterprise.
In 2007 he took over as the Chairman of Transportation & Highways Sector consisting of Transportation, Special Economic Zone at Kakinada - Andhra Pradesh and Krishnagiri in Tamilnadu , Construction, Commercial Property Development at Delhi & Hyderabad Airports/ Aerotropolis and other Group Properties Businesses. Also he was the Chairman of GMR Sports which owns Delhi Dare Devils as IPL Franchisee.
In 2011 Srinivas Bommidala took over as the Chairman – Airports, which consists of Indira Gandhi International Airport (Delhi), Rajiv Gandhi International Airport (Hyderabad), Mactan Cebu International Airport, Republic of Philippines. GMR today is among the top five airport developers in the world. He will continue to spearhead Commercial Property Development / Aerotropolis at New Delhi and Hyderabad airports.
Mr. G B S Raju, Chairman - Energy
Mr. Raju entered the family business, GMR Group, in 1996 at the age of 22. Through these years, he has held key portfolios in various GMR Group companies. His proactive, personalized approach to the business and competitive spirit have helped towards the growth of the Group and its various businesses.
Initially he played a crucial role in shaping the overall strategy and positioning of the organisation. He then took on the development and implementation of various projects of the Group. He was instrumental in installing India's first and the world's largest floating barge mounted power plant - GMR Energy Ltd., Mangalore, now moved to Kakinada. He successfully steered the Group's foray into the Roads Business and the Group is now one of the leading road developers in the country. Mr. Raju, as Group CFO, also led the Group through GMR Infrastructure's maiden IPO in 2006. He successfully led one of the largest QIPs in the infrastructure space in the years 2007 & 2010. The Group was guided by his strategic vision in building major projects like, Sabiha Gokcen International Airport, Istanbul and a power project in Jurong island in Singapore.
Mr. Raju is currently Chairman – Energy. In this role, he is responsible for the Energy Business both within India and globally. He is also one of the Group Directors of GMR Infrastructure Limited and a member of the Group Holding Board, the apex decision making body of the Group.
Mr. Kiran Kumar Grandhi, Corporate Chairman
Kiran Kumar Grandhi is the Corporate Chairman of GMR Group overseeing Group Finance and Corporate Strategy, Planning & Development. He is also Member of the Group Holding Board, GMR Group. Prior to this assignment, he was Chairman – Urban Infrastructure & Highways and Chairman – Airports. After completion of his studies, Mr. Grandhi joined family business in 1996 as Management Trainee in Agri-Business and has subsequently held several leadership positions.
In 1998, Mr. Grandhi became Director of the Infrastructure Business overseeing Corporate Finance, New Business Development and Organization Development. In this role, he spearheaded financial restructuring and fund raising for new projects like Tanir Bhavi Power Project – which was the world's floating power plant at that time. He played key role in Group's decision to divest in non-core business like Information Technology, Brewery and Banking (Vysya bank) to focus on Infrastructure development.
In early 2000, Kiran Kumar Grandhi initiated an organization restructuring programme and anchored the change management effort. As part of the process, he set-up the Shared Service Centers in Project Finance, Corporate Finance, Legal, HR, Business Development, Corporate Communication, Finance & Accounts Departments to provide expertise and services to various business of the Group.
Mr. Grandhi was instrumental in winning several successful infrastructure bids for the Group under Public Private Partnership route with the Central and State Governments in sectors like airport, highways, etc. He led the bidding team for Road Sector as a new business opportunity and won two road projects viz., Tuni - Anakapally and Tambaram – Tindivanam, which were part of NHAI Golden Quadrilateral Project.
From 2003 to 2011, Mr. Grandhi geared his focus towards GMR's Airport Business and under his leadership GMR Airports has become world's fourth largest private company in the sector.
He led the GMR Group's successful bid for Hyderabad International Airport in the year 2000. Having led the bid effort successfully, in 2003 he took over the onerous task of heading the Design and Development of the Greenfield Airport project from concept to commissioning in March 2008.
In 2006, Mr. Grandhi also led the successful bid to modernize Indira Gandhi International Airport, New Delhi.
In 2007, he led the team that successfully won the bid to reconstruct the Sabiha Gokcen International Airport, Istanbul, Turkey, through an International Competitive bidding process. GMR is the first ever private Group in India to develop an international airport abroad.
In June, 2010, under his leadership, GMR expanded its international footprint by a successful bid for the Male International Airport, Maldives. The bid attracted stiff competition from Indian as well as Global Competitors, but he led the team to submit a high quality and strategic bid to ensure winning over competition.
In July, 2010, the Terminal 3 of Indira Gandhi International Airport, Delhi was completed in a record time of 36 months and the Terminal was inaugurated by Hon'ble Prime Minister of India in the august presence of UPA Chairperson. Spread over an area of nearly 5.5 million square feet, this is the single largest infrastructure project to come up in India since independence.
By 2011, Mr. Grandhi has built a portfolio of airports servicing more than 50 million passengers per annum and contributing significantly to the economies of the specific regions.
From 2011 to 2013, Mr. Grandhi led the Urban Infrastructure & Highways practice – where he managed a portfolio of approximately 1,200 kms of Highways across 10 projects. He was also instrumental in GMR Group's foray into development of sports vertical through acquisition and management of the Delhi Daredevils IPL team.
An exceptional people leader, Mr. Grandhi spends substantial amount of time planning and reviewing development of the next generation of leaders for the Organization. He also takes active part in GMR Varalakshmi Foundation (GMRVF) - the Corporate Social Responsibility arm of the Group.
Mr. Kiran Grandhi is on the Board of the following companies:
GMR Holdings Private Limited,
GMR Infrastructure Limited,
GMR Hyderabad International Airport Ltd,
Delhi International Airport (P) Ltd and
GMR Varalakshmi Foundation
GMR Highways Limited
Mr. Grandhi is a Member of
Young Global Leader Class of 2015 of World Economic Forum and Young Presidents Organization
On family front, Mr. Kiran Kumar Grandhi is married to Mrs. Ragini Kiran Grandhi who is a Director of GMR Varalakshmi Foundation. Mr. Kiran Grandhi has two sons - Master GM Ruchir and Master GM Riddhiman.
Mr. B.V.N. Rao, Chairman - Transportation & Urban Infra
An engineering graduate, B.V.N Rao has nearly 40 years of total experience, of which 12 years were in the banking sector with specific experience in Industrial Finance and Foreign Exchange.
He is one of the founder Directors of the group since 1988, associated with all the businesses promoted by the group like Ferro Alloys, Sugar, Brewery, Power, Transportation and Airport businesses and currently, he is the Group Director on the Board of Directors of the Company.
As Business Chairman – Transportation & Urban Infrastructure, he is responsible for the Group's Transportation, EPC and SEZ Businesses. In addition, he also oversees Corporate Relations, Legal and Procurement functions of the Group along with GMR Varalakshmi Foundation, the Group's Corporate Social Responsibility arm.
Prior to his current role, Mr. B.V.N Rao had served as the Corporate Chairman.
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Macon Sud Hotel
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- Free parking
- Pets allowed
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TripAdvisor Reviews Macon Sud Hotel Chaintre
Travel Blogs from Chaintre
Start of our trip on the Saune River
This morning we took a motor coach ride to Beaune, a city in the Burgundy region. The countryside was beautiful and we saw many vineyards along the way. When we arrived in town we had a wine tasting demonstration. As they say in France, a taste of wine is good anytime of the day. They are very proud of their wines. We also ...
On our way to Lyon
We finally said goodbye to "our" boat this morning and spent a few hours hanging out playing in Branges as we waited for our taxi to Lyon. Amazing what you can do with things around you! Don't you love the little acorn folk? Weather along the boat trip has been awesome - quite lucky from what the locals have said. Food, locations and people just great - couldn't ask for ...
A great, but long, journey!
... countryside but the second half seems less attractive as it appears generally more commercial after Orleans. Eventually, about 6:30 pm we arrive at the hotel! Our room is good with views over the river Soane.
Prior to dinner we ŵent for a short walk along the banks of the river and it was very pretty.
We had been looking forward ...
Day 20 / T 16. - Lyon, Bonn, Paris.
... 201;lysées, and around the Arch de Triumph before getting of the coach and heading to a Restaurant on the Champs Élysées for dinner. Here we celebrate our trip and say goodbye to all our travel companions. From here it is off for a spectacular night river cruise on the Saine river with the highlight being the light show on the Eiffle ...
Heading South
... Got a mooring in the centre of the town for 20 Euro a night and have spent 4 nights there. Met up with Michael and Siena from Wellington, had a fab night out at a family restaurant, eating offal type foods -not really my thing but entertaining.
The weather is still stormy at nights and hot during the day. Caught trains around Lyon, easy good transport. Lots of historical buildings with amazing architecture, lots of food and wine again, easy life and just plain ...

subset: commoncrawl


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Seekingsingles様は99designsで ロゴ デザインコンペを開催しました。
Seeking Singles
We are a new dating service provider and wish to change an existing logo we have that we are unable to use as the SS in it's format is similar to a company in Japan ( Even though they don't do anything we do) so we need to alter the design alot or just change it completly. We do LOVE this logo so something along this is what we are after.
Singles seeking Partners.
We really would like the SS to be used somehow and would like the words seeking singles in there too.


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Pack less. Be more.
@sgiachettiLocale: Boulder, CO
Anyone have a hadron hanging sad and neglected in their closet? I will gladly adopt one, and provide it with love and plenty of crisp rocky mountain air. I'm hoping to buy one used for around $60. I've checked geartrade, but they only have the anorak in the limited version version with added BO.
@heyyouLocale: Cutting brush off of the Arizona Tr
My Stoic Hadron anorak is a size large, but the fabric is the bright orange color. I store it with small tin cans in the tight elastic sleeve cuffs, but that has not made the cuffs any less tight. Held up to a strong light, I see that this one has more down than my MB Ultralight, but not enough more to be on the next level of warmth.
Your price is fine with me, including free but cheap shipping and my money back (less shipping) guarantee if you don't like it when you receive it.
@pitsyLocale: Central Texas
Thought I'd stumbled into a Craigslist personals forum….
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Joe's Cabin, Crescent City, Redwoods, Smith River, Six Rivers(18 Reviews)
The owner has been emailed.
This owner doesn't offer online booking through VRBO's checkout. You won't be eligible for our Book with Confidence Guarantee.
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- Minimum stay:2 nights
- Sleeps:4
- Bedrooms:1
- Bathrooms:1
- Property type:Cabin
- Internet:Yes
- Pets considered:Yes
- Wheel chair accessible:N/A
About the Property
Cabin, 1 Bedroom + Convertible bed(s), 1 Bath, (Sleeps 2-4)
Joe's Cabin is an immaculate little cabin in the heart of the Redwood Region. This one bedroom cabin, also with a futon-sofa in the living room, is located in the small community of Fort Dick, approximately six miles north of Crescent City. We will accommodate most all reasonable requests as we live next door.
The best features of our area are essentially free for those who adventure on their own, or at very reasonable rates for those who prefer professional help. These activities include steelhead and salmon fishing in the Smith River, touring our Redwood National and State Parks, beachcombing our beautiful ocean and sightseeing the Six Rivers National forest.
You will not be disappointed in our great cabin!
Keywords: Cabin / house
Before making a payment, always call the owner at the number listed on our website to make sure your payment instructions are accurate.
Never use instant money transfer services such as Western Union and MoneyGram.Learn more
Member since: 2004
Property Type
- Cabin
House Rules
- Max. occupancy 4
- Minimum Age Limit For Renters
- Children Welcome
- Non Smoking Only
- Pets Considered
Accommodation Type
- Vacation Rental
- Guests Provide Their Own Meals
Bedrooms: 1 Bedroom, Sleeps 4, Beds for 2-4
- DVD Player
- Satellite / Cable
- Television
- Video Library
- Churches
- Cinemas
- Festivals
- Library
- Marina
- Museums
- Playground
- Restaurants
Local Services & Businesses
- ATM/Bank
- Babysitter
- Fitness Center
- Groceries
- Hospital
- Laundromat
- Massage Therapist
- Medical Services
Leisure Activities
- Beachcombing
- Bird Watching
- Boating
- Eco Tourism
- Gambling Casinos
- Horseback Riding
- Horseshoes
- Miniature Golf
- Scenic Drives
- Shelling
- Shopping
- Sight Seeing
- Walking
- Whale Watching
- Wildlife Viewing
Sports & Adventure Activities
- Basketball Court
- Cycling
- Deepsea Fishing
- Equestrian Events
- Fishing
- Fly Fishing
- Freshwater Fishing
- Golf
- Golf Privileges Optional
- Hiking
- Hunting
- Jet Skiing
- Kayaking
- Mountain Biking
- Mountaineering
- Pier Fishing
- Rafting
- Sailing
- Scuba Diving Or Snorkeling
- Snorkeling
- Snorkeling/Diving
- Sound/Bay Fishing
- Surf Fishing
- Surfing
- Swimming
- Tennis
- Water Tubing
- Whitewater Rafting
- Wind-Surfing
- Dining
- Dining Area
- Seating for 4 people
- Hair Dryer
- Heating
- Internet
- Iron & Board
- Linens Provided
- Living Room
- Parking
- Parking Off Street
- Parking For RV/Boat/Trailer
- Towels Provided
- Wireless Internet
- Coffee Maker
- Cooking Utensils
- Dishes & Utensils
- Kitchen
- Microwave
- Oven
- Refrigerator
- Stove
- Toaster
- Deck / Patio
- Outdoor Grill
RatesCurrency Conversion
|Weekend Night
|Monthly *
My Standard Rate
2 night min stay
Additional information about rental rates
Rates quoted are for up 2 adults and 2 minor children.
Cash, personal check (preferred), PayPal if absolutely necessary!
Owner's cancellation policy:
50% refund for cancellations more than 7 days before check-in date.
100% refund for cancellations more than 14 days before check-in date.
Don't forget your vacation protection! Get protected now
Adding our Vacation Protection services can make sure your getaway goes smoothly, no matter what. We offer Cancellation Protection and Damage Protection so you can truly relax.
The property's calendar has not been updated in over 6 months. You can contact the owner for availability or look for properties with confirmed availability
Car: Recommended
Beach combing, gold panning, camp fire, Redwood National and State Parks. Hunting, steelhead and salmon fishing.
Owner info
Contact us
Send email
- Primary: (707) 954-0718
- Secondary: (707) 464-2240(California, USA)
Links to more information:
- Click Here to see All My Rental Listings
Joe' Cabin with redwoods and garden in the background.
Yard area with vegetable garden, apple trees and greenhouse tomatoes.
Free fun in the mountains!
Nice kitchen!
Free fun at the beach!
This listing was first published here in 2004.
Date last modified - Friday, May 26, 2017
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Financial education is finally set to be included in the National Curriculum in secondary schools from September 2014. The government's decision to include the subject for those aged over 11 came at the end of a two-year campaign led by MPs and peers in the All-Party Parliamentary Group on Financial Education for Young People.
It will be included in the secondary school National Curriculum in both maths and citizenship lessons. Campaigners, including the Personal Finance Education Group (pfeg), are now calling for financial education to be extended to primary schools, but say they are not expecting anything to happen this side of the next election.
In the meantime, the understanding is that from September 2014, there will be more of an emphasis on money as a context for learning maths in primary schools - rather than for its own sake.
However, it is thought the more subjective, decision-making 'financial capability' aspect will not be part of the curriculum in the way it will be in secondary schools.
Tracey Bleakley, chief executive of pfeg, hopes primary school children will start to be taught more about money soon. "It is crucial financial education starts early so children can build up their knowledge as they progress through the system - and can then go on to become informed consumers," she says.
This is a view shared by Kirsty Bowman-Vaughan, young people policy manager at the government-backed Money Advice Service. "We recently carried out in-depth research and found that adult financial habits are set by the time a child turns seven. These findings reveal that alongside the role played by schools, the way to influence the habits of children is through their parents." Young people, she adds, find their parents give the most helpful advice on money matters.
"They are also likely to imitate the good - or bad - financial behaviours of what happens in their family," she says. "This is why our next aim is to assist parents nationwide in this very important role; helping them feel confident about integrating money management into their day-to-day interactions with their children."
The Money Advice Service is currently working with experts in education and the financial services industry to bring together a forum and to develop parenting and teaching resources. These are due to launch in early 2014.
With no sign of financial education hitting primary school curriculums any time soon, the onus, for now at least, remains on parents - and grandparents - to help get their children off to a good start.
As a starting point, pfeg suggests talking to your children about money. "It is the most effective way to help your children understand personal finance," says Bleakley. "Explain how you arrive at financial decisions, what's in your budget, and how different aspects of dealing with money make you feel."
Bowman-Vaughan adds that parents shouldn't worry about talking about money. "It's something we all need to learn about," she says. "And it's far better to get kids engaging with money at home where they can mistakes in a safe environment. Give them some responsibility and get them involved with financial decisions. This could be as simple as counting coins or trying to understand the bigger picture of the true cost of a day out, including petrol and meals."
It's also important to teach children where money comes from.
"In an increasingly cashless society, it can be useful to show your child your payslip and explain what you had to do to find employment," says Bleakley. "This can help build financial understanding."
Another good tip is to set your children savings challenges. "If you give your child pocket money, talk to them about setting a savings target and encourage them to adopt good habits early," says Bleakley. "This is a good opportunity to introduce ideas around planning for the future."
Susan Hannums, director at analyst SavingsChampion.co.uk, adds that parents could use a piggy bank to help engage a child to put their pennies away for future use."This can be a good way to get little ones excited about the basics of saving, and can get them used to saving up to buy the things they want," she says. "And as they grow, hopefully their savings will grow too."
New findings from savings provider Family Investments reinforce the view that putting pocket money aside can help prepare children for later in life.
Its research reveals that while 64% of children don't receive pocket money, of children who do, 84% save at least some of it.
Unsurprisingly, most (47%) slot money away for big-ticket items such as bikes or expensive toys, but nearly a quarter put some of their money towards holidays, and 12% think even further ahead and build up cash for university.
Further findings show more than four in five parents said having to do chores for their allowance will prepare children for the realities of work in the future.
Another good way to engage children in finance is by helping them 'practise' waiting until they have saved enough to be able to buy something they want.
"This could involve making a savings chart indicating how much money has been saved by colouring in some of those coins," says Bowman-Vaughan. "Your child can then see how many more remain uncoloured - and how much more needs to be saved."
You can also use trips to the shops as an opportunity to talk about your buying decisions. "A young child could help their parent compile a list of items needed for the home, as this helps them learn how to prioritise and plan how much to spend," says Bowman-Vaughan.
Then, as you go around the supermarket, you could ask your children to choose the best-value combinations of set products, and also to do the adding up as you go along.
Another important lesson relates to choosing cheaper items - or goods on sale.
"Children need to learn if there is not enough money to buy a certain item, you need to decide whether to buy a less expensive one - or wait until you've saved up enough money," says Bowman-Vaughan.
Shopping can also help you teach the difference between 'needs' and 'wants'.
"Contrast examples of goods your children need every day - such as food and clothing - with items they might want but don't need, such as toys," says Bleakley. "This is a great way of introducing the concept of saving, as well as the need to exercise restraint in spending."
No matter what your approach, the key is to actively involve your children in some financial discussions from a young age. "Personal finance education is so important for children as it will help them make better and smarter financial decisions as adults," says Martin Bamford an IFA from Informed Choice. "The right financial education as a child can help young adults avoid debt, understand complicated contract terms and instil a savings mentality for the future."
There are now a whole host of sites and apps on offer aimed at helping children learn about managing money. Two pocket money sites are worth a look: GoHenry (formerly PKTMNY) and Roosterbank.
GoHenry is a site for children aged between eight and 18 that gives them the chance to try out their skills in the real world but under the guidance of parents, who can set tight controls on spending limits through a linked account. Children get a prepaid card but parents then decide how much, how often, and where their children spend - with no ability to go overdrawn.
Roosterbank is a kind of online piggy bank that gives children their own personalised dashboard where they can keep track of their pocket money. They can then choose whether to use their 'wallet' to get things they want to buy, or their 'safe' to put some money aside for the future. The more they save, the more they get rewarded.
Elsewhere, sites picked out by Quib.ly, a members-only community of parents, include Goldstar Savings Bank, Little Digits, Dinorama and Mindblown Life.
Goldstar Savings Bank is specifically designed to teach young children about how to save, with users setting a monetary goal and then seeing how they are progressing towards that goal. Little Digits is a numeracy app that helps children develop their understanding of numbers.
With Dinorama, children essentially run their own dinosaur theme park and learn skills relevant to managing money, while with Mindblown Life, children create their own avatar and then navigate their way through life's financial challenges, such as dealing with debt, coping with unexpected cashflow crises, and learning how to save.
Pfeg has also developed two of its own apps, both aimed at teenagers. These are the My Money Shaker app and the Max Your Money Skills online tool. Both are available at pfeg.org
A financial adviser who is not tied to any financial services company (such as a bank or insurance company) and is authorised by the Financial Services Authority (FSA). They can advise on financial products to suit your circumstances. All IFAs have to give consumers the choice of paying by fees or commission and have to explain which would best suit the customer in that particular instance. Also, if commission is paid either by the client or the financial service provider recommended by the IFA, the IFA must disclose what that commission is.


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The good news: Trading fees have come way down. The standard $30 per trade has been replaced by $4.99, thanks to growing competition among online brokers.
The bad news: They're attempting to recoup the difference through volume – hoping to persuade investors to hit the buy and sell buttons with lightning speed. In most cases, investors need to make at least 50 trades, totalling nearly $250 a month, to qualify for the deep discount.
"That's what those teaser rates are designed to attract: high turnover," says Peter Kenny, chief market strategist with ClearPool Holdings, based in New York. The Wall Street veteran says high-volume trading is for day traders who have strong financial backgrounds, the time to stay on top of second-to-second market developments and the ability to act with precise timing.
For the average retail investor saving for retirement, high-volume trading could be a recipe for disaster, he says. His advice is simply to buy companies with strong balance sheets and growth potential – and be patient. "At the end of the day, longer-term investment strategies tend to require significantly less time to manage."
So, how many trades does Mr. Kenny think is right for the average retail investor? "A traditional self-directed investor is making, at the most, 40 trades a year," he says.
Investors who believe more trades lead to more profits could be in for a costly shock, says Zachary Curry, chief operating officer and portfolio manager at Toronto-based Davis Rea Ltd. "I don't think you're ever going to succeed that way," he says. "Generally, retail investors buy at the top and sell at the bottom."
He says the high-volume-trade mentality is rooted in the dot-com bubble of the late 1990s when markets drove stocks to unreasonable heights based on little or no fundamental change in the company.
Since equity markets have been steadily going up for more than five years, he says many investors have lost touch with a basic market reality – what goes up must come down. To him, high-volume trading could multiply those downs when, in reality, the best course of action is no action. "It's incentivising you to turn over your portfolio whether it's a good idea or not."
Mr. Curry says he encourages his clients to take a long-term view. "A three- to five-year hold would be our optimal time period. If we can't see how that's going to work in that time period, we don't buy it."
He says his clients typically make about 10 trades a year in their portfolios. And the bulk of those trades are strategic – shuffling existing stocks and using a long time horizon to reduce risk without compromising returns.
One effective strategy he is using in this bull market is selling stocks that have made gains above their peers or the broader index. He may even trim an existing holding that is still trading at fair value if it has risen to a point where its value is disproportionate to other holdings in the portfolio.
"Even if it's the best holding in the world, I don't think you want 25 per cent of your portfolio in that stock," he says.
Having cash on hand from the sale of those stocks comes in handy if markets dip and good stocks can be purchased at a bargain – even if they're the same stocks that were trimmed at a higher price. "We call that trading around a core position. You might not sell the whole thing, but you can sell parts of it as the valuation goes up. If you get lucky and it comes down again there's no reason you can't buy it back."
He says all portfolios should have basic core positions, such as large-cap stocks that are accumulated early in the investor's life. They might be reduced and re-accumulated over the years but could possibly remain in the portfolio into retirement. "There are certain characteristics in stocks – balance sheet, management team, income features – that you could look at and say, 'This is more of a core holding.' "
Typical core holdings are big dividend payers such as utilities, telecom providers and pipeline companies. "Stocks that have income features tend to weather the ups and down a lot more," he says.
Two pipeline examples are TransCanada Corp., which pays an annual dividend yield of 3.3 per cent, and Enbridge, which pays out 2.6 per cent, he says.
Enbridge shares have risen nearly 30 per cent over the past year, outpacing the company's peers and prompting Davis Rea to do some selling. "We've trimmed it once and we've trimmed it again because we feel the valuation is steep, but we haven't sold it entirely."
Not all core holding are carved in stone, though. Telecom giant BCE Inc. is a staple in many Canadian portfolios with a generous dividend yield of more than 5 per cent. Mr. Curry says changes in government regulations relating to wireless and television services have him questioning BCE's traditional revenue streams. "When else have you had competition as crazy as it is now?" he asks.
The rate of equity turnover often increases as market cycles shift, but as central banks pull back the reins on low interest rates and cheap money, Mr. Curry doesn't expect any drastic changes in strategy for the foreseeable future.
"We have a fair bit of cash on the books. The market has been going up for over five years. You might get to lucky Number Six, but historically that's beyond an average market cycle. It's time to be at least a little prudent."Report Typo/Error
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Flying after lipo - I had ba revision and lipo to my abdomen yesterday.
I am scheduled to fly in 5 days on a 5 hour flight. Will I be ok by then to fly because right now I'm not feeling ok. I told my doctor about the scheduled flight during our consultation and he said it would be fine. Right now I can't even imagine flying but I certainly can not cancel it. Also does flying increase the chance of blood clots ?
Doctor Answers 1
Travel after surgery
Best to review travel issue with your surgeon and after follow-up. Sometimes it is best to hold off flying a week after surgery.
Web reference: https://stevenwallachmd.com/body-procedures/liposuction/
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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University of Alabama, Birmingham, AL
INTRODUCTION:Sweet's Syndrome (SS) or acute febrile neutrophilic dermatosis is a disorder characterized by fever, tender erythematous skin lesions formed by dense neutrophilic dermal infiltration, and peripheral neutrophilic leukocytosis. Although this disorder typically involves multiple organ systems, pulmonary involvement is quite rare. We report a case of pulmonary SS in a young woman presenting with acute respiratory failure.
CASE PRESENTATION:A 25 year old previously healthy female first noted several 3-5 mm tender skin lesions on her upper thigh 6 days prior to evaluation. She subsequently developed migratory arthralgias involving the hands, wrists, and ankles. On the day prior to evaluation, her skin lesions progressed to involve both lower extremities, and she developed fever, ankle cellulitis, and severe lower extremity myalgias, prompting an ED evaluation. Her past medical history and family history are unremarkable. She denied medication use. Physical exam revealed a woman in no acute distress, febrile to 101.8 with a lower extremity rash characterized by multiple edematous, violaceous lesions, 10 mm in greatest dimension, and in various stages of healing. Some lesions had central umbilication and yellow, crusting borders (Figure 1). She was admitted and received empiric antibiotics for cellulitis. Over the next 24 hours, she developed progressive hypoxemia. Chest roentgenogram revealed bilateral pulmonary nodules that spread rapidly over the next 48 hours, despite broadened antimicrobial coverage that included Trimethoprim/Sulfa and Amphotericin (Figure 2). She underwent bronchoscopy with BAL and transbronchial biopsy as well as skin biopsy. BAL revealed neutrophilia but no organisms. Transbronchial biopsy showed focal acute and organizing pneumonia. Histopathological examination of her skin biopsy revealed a neutrophilic infiltrate in the mid-dermis. The lung and skin biopsy findings, together with the clinical scenario, met the diagnostic criteria for classical (idiopathic) SS. As SS is commonly associated with malignancy, she was evaluated for both hematogenous and solid organ neoplasms, but none were found. Studies for associated rheumatologic disorders were negative, as were serum markers for vasculitis. Antibiotics were discontinued and she was treated with high-dose corticosteroids (1 gm Solumedrol). Within 12 hours corticosteroid therapy, she had rapid symptom and radiographic resolution. She received a tapering 4-month course of steroids and low dose dapsone. Since discontinuation of therapy, there has been no disease recurrence.
DISCUSSIONS:Sweet's syndrome, a rare disorder with case reports numbered in the hundreds, is characterized by fever, neutrophilic dermatitis, and a peripheral neutrophilia. Most commonly seen in women between the ages of 30 to 50, SS may occur in both genders at all ages. First reported in 1964 by Robert Sweet, this syndrome has now been associated with malignancy, underlying systemic inflammatory diseases, upper respiratory infection prodromes, drugs, and pregnancy. However 20% of cases are idiopathic. When pulmonary involvement is present, it usually manifests as a dry cough and dyspnea. Chest roentgenograms have widely variable appearances. As in our case of pulmonary SS, the differential diagnosis includes most systemic diseases with mucocutaneous findings such as fungal disease, endocarditis, neoplasm, cellulitis, and viral illness. The diagnosis is typically made by skin biopsy in the appropriate clinical context with both major (abrupt onset of painful skin lesions associated with a neutrophilic infiltrate) and minor criteria (fever, identification of underlying associated illness, rapid response to immunosuppression, or abnormal lab values such as leukocytosis). Upon diagnosis of SS, a thorough evaluation for associated disorders is critical, as treatment is immunosuppressive therapy.
CONCLUSION:Pulmonary Sweet's Syndrome is an uncommon clinical manifestation of a rare disorder. Diagnosis requires a high index of suspicion and skin biopsy.
DISCLOSURE:Jennifer Fulton, No Financial Disclosure Information; No Product/Research Disclosure Information
Tuesday, October 23, 2007
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Had the pleasure to work with the talented Danny Boone from the band "REHAB" on his new album "Fish Grease". The photos came out amazing.
December 12, 2014 | Categories: fitness | Leave A Comment »
Demun Jones the other half of the band "REHAB" also has a new album out "Jones County" that i also had the pleasure of working with.
December 12, 2014 | Categories: Uncategorized | Leave A Comment »
The Lacs are one of the bands that have paved the way for the hick hop movement. check out there new album "Nothing In Particular".
Crucifix is an extremely talented artist. his album "Acid Reign" is out now.
We recently linked up with singer/songwriter Gareth Asher in the studio and snuck in an impromptu photo shoot. The result turned out very well.
Here are some good ones
July 27, 2011 | Categories: Uncategorized | Leave A Comment »
We did some behind the scenes video work for our good friends Colt Ford, Nappy Roots, and Nic Cowan. In between the video shoot we managed to sneak in a little photo shoot and here is what we came up with.
May 16, 2011 | Categories: Uncategorized | Leave A Comment »
Charley Farley is a hick hop pioneer. His album "Hog Heaven" Is a classic.
May 8, 2011 | Categories: Uncategorized | Leave A Comment »
Phive Media is a multimedia house specializing in music production, videography, graphic design and website development within the music, modeling, and entertainment industry.
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|incl. VAT
|£4.86 £4.19
|excl. VAT
Puzzle, legendary toy that is far from intended just for kids. Millions and millions around the world adore stacking individual pieces into various shapes. It is not only fun, but also an activity that sharpen the brain exercises the memory and pattern recognition. We offer a wealth of motifs and types - for children, for advanced and 3D kit. Therefore you can select puzzle suitable work for you.
Angry Birds Rio series takes you into the world of popular "crazy bird". Thanks to them, children are always great fun. Additionally, the finished image can be easily bonded and exposed as a handwritten piece of art! Due to the really big dílkům will fold seamless.
Toy complies with the Directive of the European Parliament and Council Directive 2009/48 / EC of 18 June 2009 on the safety of toys and all legal standards under Czech legislation. Of course there is a declaration of conformity.
Specifications can be changed without notice. Images are for illustrative purposes only. Retail Price (MSRP) means the manufacturer's/supplier's suggested retail price.
Link to Manufacturer's Website: Enter link to the external review


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$5.00 1 year ago
Honda civics 1998 - $5 (Rochester)
I got a honda civics ex sport 1998 for trade i can ad body kit and front light all depend what u have for trade email me i look my email 24/7 so let me know what u have thank u only van i take 1300 have a leak power stering easy fix thank
1 year ago
Rochester, NY
$2,800.00 1 year ago
2 2001 honda civics for the price of one $2800 obo - $2800
I have 2 honda civics both are 2001 ex automatics one is a 2dr the other is a 4dr i just took the 2dr off the road inspection is still good on both. The 2dr has 280k needs the intake manifold cleaned up but runs good and the 4dr has 176k on it and needs a crank sensor. Need to sell both just got a new car. Will sell one but would like to sell both. Have clean titles for both. Thanks
1 year ago
Hudson Valley, NY


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Digital Tuesday, and this week's challenge is to Make It Sparkle!
I chose to go with the Stained Glass digital image from McMahon Five Designs...yep you saw it here last week too, but I had a hoot printing the images out on some transparencies made for inkjet printers. Now I can do my favorite glitter technique with digital images!
I printed the image and then applied the glue and Art Institute Glitters carefully to my image starting with the darkest colors first and working lighter. When the image was dry I fussy-cut it and mounted it on cardstock and then foam tape for more dimension.
I framed it with a Spellbinders Beaded Oval die that I embellished with copper nailheads. Check out that paper...it's called banana paper and is very textural!
My final touch was to layer my image on a Cuttlebug Tiffany embossed panel.
Be sure to stop by the Digital Tuesday Blog for challenge and prize information and to see how the other designers let it SHINE!
Tuesday, February 21, 2012
Make It Sparkle!
Posted by Michelle Pearson at 12:01 AM
Labels: Art Institute Glitter, cuttlebug, Digital Images, Digital Tuesday Challenge, glitter/acetate, McMahon Five Designs, Spellbinders
4 comments:
- chillin with Quillin said...
this is gorgeous , love the sparkle !!
- February 21, 2012 at 9:56 AM
- Sue Thompson said...
That is so sparkly, just love it.
Suzie xx
- February 21, 2012 at 12:36 PM
- Amy Johnson said...
Wow! This is amazing!
- February 21, 2012 at 6:31 PM
- Maya Ariffin said...
I admire your hard work producing this awesome card!!
- February 22, 2012 at 11:54 PM
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