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I just saw a commercial on the television for Norfolk and Southern Railroad touting their "Talking Trains"! It went on to tell, very proudly, how their trains talk to the controllers and keep them informed of fuel usage, equipment performance, and in turn enhance the fuel mileage of the train and save money! That money savings reduces your costs to use Norfolk and Southern Railroad to ship your goods!!
I tried for my last three years as a senior civil servant working for the Navy to sell the Navy on remote monitoring. We had a number of corporate partners including one of the biggest weapons systems manufacturer. We proved that the idea of "Remote Monitoring" works and adds to the maintainability of any shipboard system. We did a live, battlefield, demonstration that lasted three years! The system did not fail nor did it impede the operation of the systems. It did permit the engineers back at the In Service Engineering Agency the ability to predict component failures before they failed and became catastrophic or cascading! Therefore, "Remote Monitoring" saved money. Something the Navy and the government needs desperately.
However, the Navy Engineering Duty Officer Mafia invoked their "Not invented HERE" rule and squashed "Remote Monitoring". Even after numerous meetings, demonstrations, and agreements, NAVSEA would not permit "Remote Monitoring" to go forward.
Now, the commercial industry is promoting their revolutionary, forward looking, technically advanced, use of "Remote Monitoring". We could have had this six or seven years before industry. But, we were more interested in keeping the ED Mafia happy than saving money on system maintenance and increasing Combat Readiness without increasing manning! It was a "Force Multiplier"!
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Dammam Palace Hotel
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One year anniversary
I have been in Saudi Arabia for 12 nearly months, my second Ramadam has just started and I am reflecting on the experience.
I have achieved what I came to Saudi Arabia to do, a nice big chuck of dosh has disappeared from my morgage. I am a bit disappointed that I haven't been able to explore more of the country but I ...
Jeddah-20 June Started my Saudi trip from Jeddah this time. Since I liked jeddah much better the last time, so I was feeling very normal. Immigration could not have any smoother. "Welcome Habibi !!". The only catch is that its ramadan time. Cant eat food in public. Malls open for 7-8 hours, that too in split shifts. So it was different from last time. I was ready for it. Jeddah felt better than last time, although I liked it last time as well. Feels like ...
The Search for the Lost Fountain of Dammam
Dammam is the third largest city in Saudi Arabia after Riyadh and Jeddah. It is located on the east coast of Saudi Arabia on the Persian (Arabian) Gulf. A small group of us decided to head out to see this coastal city. Of course, before heading out, we googled sights to see in Dammam. There weren't a lot. The top five sights included the Corniche, Al Morjan Island, Al Khobar City, King Abdullah Park and the world's tallest Fountain. We decided this could ...
Ozzie Ozzie Ozzie
Australia Day on the base was quite good. Even though there is only a handful of us on the camp the Australian consult rep managed to put on a party for us :). The invite directed us up a alley and into some-one's backyard with turned out to be a 'thai restaurant' on camp complete with a DJ who knew an Australian song.............. ACDC, thunderstruck!!! there were Ozzie flags and quite a few Ozzie accents around. The sid must have been rocket fuel because I ...
A long four months
So in my last entry I was waiting for my registration from the Medical Council which took 16 weeks in total, I then waited 4 days for my Igama (residency visa) and another week for a multiple exit visa so that I could actually leave the country and get back in again. Now I am sitting in an airport lounge with a glass of pinot gregio reflecting on my first 4 months in Saudi Arabia.
There have been a number of highs and lows over the last few months as I have adjusted ...

subset: commoncrawl


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This email was created by [MemberName] <[MemberEmail]> who thought you would be interested in the following Article:
"Visual Studio Tools for Office 2008 Ribbon Designer with XLINQ for Yahoo" See the new Ribbon Designer in Visual Studio 2008 allowing you to graphically create ribbons for your Office add-ins. Add images from the Yahoo Image Search API and analyse the content of your document
CodeProject also contains hundreds of articles, free source code samples and applications to help in your day to day programming. Why not give it a try!


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Rice Lake Weighing Systems' mass calibration laboratory features an industry-leading four-day turnaround with direct traceability to NIST. Our expert metrology staff stays up-to-date on the latest industry trends and requirements and are ready to assist and answer your questions.
Recalibration Form PDF
Welcome to Rice Lake Weighing Systems mass calibration laboratory. Our full-time staff with over 200 years of combined experience are the industry-leading experts in calibration services and test weight selection.
The National Voluntary Laboratory Accreditation Program (NVLAP) is a National Institute of Standards and Technology (NIST) program in the United States, which provides an unbiased third-party test and evaluation program to accredit laboratories. Please click HERE to access our accreditation certificate.
Rice Lake Weighing Systems' mass calibration laboratory is also a full member of the following organizations:
The lab was also audited for compliance to ILAC P14:01/2013 ILAC Policy for Uncertainty in Calibration.
Virtually all of our test weight recalibration and certification services receive an industry-leading four-day turnaround. If you need a custom solution, we manufacture custom test weight values and sizes. Our staff is ready to assist and answer your questions. Please call 800-472-6703 for assistance in quoting the correct service for your needs. You may also submit the form below.
Recalibration Form PDF
Statement of Decontamination Form
To ensure your test weights arrive at our lab safely, please follow the steps outlined below.
All weight sets need to be secure in their case. Even accessories such as milligram covers need to be protected so they cannot move.
Wrap small cases and individual weights in foam or bubble wrap. Packing peanuts create static electricity. Please do not use them to pack your weights.
Large weights, 20 pounds and 10 kilograms or heavier, should be packaged in individual boxes.
To ensure your weights arrive safely, do not package stainless steel weights with cast iron weights.
To speak with one of our test weight experts, please call 800-472-6703 or email firstname.lastname@example.com
Traceability is documentation, essentially a pedigree, showing a direct link to the official U.S. one kilogram weight standard housed at the National Institute of Standards and Technology (NIST) in Gaithersburg, Md. These NIST standards are in turn calibrated to the international one kilogram standard maintained at the SI (International Standard) lab in Sevres, France.
Traceability not only means that a weight or mass standard has links to the NIST one kilogram standard, but also that the measurements were appropriate for the accuracy class required for the application. Traceability also requires proof that all environmental factors affecting accuracy were considered at the lab doing the measurement.
So when is traceability necessary?
Direct traceability means a weight or mass standard has been tested by NIST. NIST then issues a report number to the organization for whom they have performed measurements. Because the certificate is valid only for the items tested by NIST, a calibration lab such as Rice Lake Weighing Systems must submit its set of mass standards to NIST for testing. This certificate provides direct traceability for the lab's mass standards, which can then be used in calibrating weights for clients.
Indirect traceability exists when a client's weight or mass standard is tested by a metrology lab that has direct traceability and has the necessary measurement control program in place. An important aspect of this measurement control and testing program is the participation in a NIST-certified measurement assurance program, which reduces the possibility of errors.
To clarify the two types of traceability, remember that direct traceability comes directly from NIST. For example, Rice Lake Weighing Systems' calibration lab has direct traceability, as shown in the diagram below. The calibrations we perform for our customers provide indirect traceability. Likewise, when that customer uses its Rice Lake Weighing Systems calibrated test weights to calibrate a balance or scale, it is providing indirect traceability.
A customer requesting a Calibration Certificate needing traceability to NIST is looking for actual weight readings, corrections and uncertainty values. To produce this document, a calibration laboratory must maintain a statistical measurement process acceptable by NIST. Also, depending on the weight class and the accuracy required, different standards and procedures need to be incorporated to make sure the level of uncertainty is appropriate for the item being tested. The Weight Calibration Certificate is in compliance with ISO International Standard 17025 and ANSI/NCSL Z540-1 requirements.
The special software used to produce the Calibration Certificate was developed specifically for Rice Lake Weighing Systems.
These programs and procedures allow Rice Lake Weighing Systems to achieve and help maintain lower uncertainties.
A customer requesting a Traceable Certificate needs proof of traceability to NIST, actual mass values and uncertainties.
Comparisons must be made between the item being tested and a known standard being used. The laboratory performing the
testing must verify that the proper procedures and standards are being used so that the uncertainties are suitable for the test
that is required. The known standard and procedure used for the tolerance test is essential to the traceable document. The
Traceable Certificate is in compliance with ISO International Standard 17025 and ANSI/NCSL 2540-1 requirements.
Prior to the comparison between the known standard and the item(s) submitted for test, the known standard must be
sufficiently tested over time to produce predictable measurements. Also, the procedure used to do the comparison must be
accurate enough so the uncertainty of the measurement is small enough to generate a valid certificate.
A customer requesting a RLWS Traceable Mass Value Certificate, needs proof of traceability to NIST and actual values and
uncertainties. Comparisons must be made between the item being tested and the standard being used. The known standard used
for the tolerance test is essential to the traceable document.
Prior to comparison between the known standard and the item submitted for testing, the known standard must be sufficiently tested
over time to produce predictable measurements.
This certificate should contain all of the data related to the test. After testing, a RLWS Traceable Mass Value Certificate is issued.
Although the RLWS Traceable Mass Value Certificate provides traceability to NIST, it is not a NVLAP accredited document. If an
accredited document is required, please refer to the TMAP Traceable Certificate and/or TMAP Calibration Certificate.
A customer requesting a Statement of Accuracy, needs proof that the nominal values represented by the mass in question have been
designed and manufactured to within exact specifications.
The Statement of Accuracy provides just such a document when and where traceability to NIST, and/or the need for a NVLAP
accredited document is not a concern. The Statement of Accuracy is the lowest level of documentation offered by Rice Lake
Weighing Systems. Check with your internal procedures and policies to determine what type of documentation you require and
thoroughly review the RLWS Traceable Mass Value Certificate, Traceable Certificate, and Calibration Certificate options prior to
selecting this laboratory documentation.
© Rice Lake Weighing Systems. All rights reserved.
An ISO 9001 Registered Company
230 West Coleman St, Rice Lake, WI 54868
+1 715-234-9171
For sales, support or service please call


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Tiffany Studios (New York, NY, 1878-1933)
The body of the vase is opal white with an overall satin yellow iridescence with bat-wing decoration on the shoulder. The vase has a ground and polished pontil and a fire-polished rim.
c. 1896 W 2.75 D 2.75 H 3.5 in.
3 other shoppers have this item in their Cart or Wish List .
Centuries of Design, Antiques from around the World


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The recently crowned New Zealand pop princess plays three New York shows with the comparatively little-known Montreal duo Majical Cloudz, bringing its grim confessionals and stark sonic minimalism along for the ride. What aesthetic qualities tie together the "Royals" sensation and her opening act? We're not quite sure, but both have mastered the art of the brooding stare.
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Albion Archive Recordings of Ralph Vaughan Williams [CD]
- Artist: Various Artists
- Release Date: 07/10/2012
Best Buy is dedicated to always offering the best value to our customers. We will match the price, at the time of purchase, on a Price Match Guarantee product if you find the same item at a lower price at a Designated Major Online Retailer or at a local retail competitor's store.Here's how:
- If you find a qualifying lower price online, call 1-888-BEST BUY and direct a customer service agent to the web site with the lower price, or when visiting a Best Buy store, one of our employees will assist you.
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Exclusions apply including, but not limited to, Competitors' service prices, special daily or hourly sales, and items for sale Thanksgiving Day through the Monday after Thanksgiving. See the list of Designated Major Online Retailers and full details.
- On Wenlock Edge~On Wenlock Edge
- On Wenlock Edge~From far, from eve and morning
- On Wenlock Edge~Is my team ploughing?
- On Wenlock Edge~Oh, when I was in love with you
- On Wenlock Edge~Bredon Hill
- On Wenlock Edge~Clun
- Merciless Beauty~Your eyen two
- Merciless Beauty~So hath your beauty
- Merciless Beauty~Since I from love
- Prelude on Three Welsh Hymn Tunes
- Five Tudor Protraits~Ballad: The Tunning of Elinor Rumming
- Five Tudor Protraits~Intermezzo: My Pretty Bess
- Five Tudor Protraits~Burlesca: Epitaph on John Jayberd of Diss
- Five Tudor Protraits~Romanza: Jane Scroop (her lament for Philip Sparrow)
- Five Tudor Protraits~Scherzo: Jolly Rutterkin


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Bruce Bennett represents financial institutions on transactional and regulatory aspects of the global markets. His work for investment and commercial banks, asset managers and other institutional investors and trade associations spans capital markets and futures and derivatives markets, as well as regulatory matters involving the SEC, the CFTC and banking regulators. A recognized leader in capital markets, futures and derivatives and banking regulation, he has recently focused extensively on the foreign exchange markets. Mr. Bennett leads the firm's Financial Services Industry Group. Mr. Bennett is also a frequent speaker at securities law, derivatives and financial institution seminars and regularly publishes in these fields.
April 25, 2016
The recent decisions of the United States District Court for the Southern District of New York in the Marblegate and Caesars Entertainment cases contain language that suggests a significant departure from the widely understood meaning of TIA Section 316(b) that has prevailed among practitioners for decades. These cases have introduced interpretive issues that ...
June 2015, 2015 Fixed Income Leaders Summit
April 12, 2014, PBS
Bruce Bennett was interviewed for this piece.
April 2012, International Financial Law Review
February 2008, Insights
March 2006, Insights
February 3, 2017, Law360
Bruce Bennett is quoted in a Law360 article providing tips for British banks under the Trump Administration's approach to financial reform. Commenting on the full repeal of Dodd-Frank, Bennett says, "[it] would be very difficult for a variety of reasons." He adds, "Our sense is, in the overall hierarchy of priorities the new president has, this isn't at the ...
November 15, 2016, Cov Financial Services
On November 8, 2016, American voters elected Republican Donald J. Trump as President. In addition, Republicans maintained control of the House of Representatives and the Senate. As the campaign rhetoric fades into the background over the coming weeks and months, the business of transitioning to a new administration will begin in earnest. The results of...… ...
November 14, 2016, Covington Alert
On November 8, 2016, American voters elected Republican Donald J. Trump as President. In addition, Republicans maintained control of the House of Representatives and the Senate. As the campaign rhetoric fades into the background over the coming weeks and months, the business of transitioning to a new administration will begin in earnest. The results of the ...
August 30, 2016, Covington Alert
As election season enters full swing, with political candidates at all levels actively soliciting campaign donations from individuals and companies, it is an ideal time for all companies to review the policies and procedures in place for political donations. While the SEC's pay-to-play rules governing registered investment advisers and their "covered associates" ...
July 15, 2016
NEW YORK—Covington advised Medical Research Council Technology, a UK-based independent life science medical research charity, in its sale of a portion of the royalty stream associated with its cancer drug Keytruda® for $150 million (£115.6 million).
Keytruda® (pembrolizumab), is a new generation treatment which stimulates the body's immune system to fight ...
June 3, 2016
NEW YORK—Covington advised Beltone Financial Holding, a leading Egyptian investment bank, in its acquisition of 51 percent of Auerbach Grayson & Company, a New York brokerage firm specializing in global trade execution and research on developed, frontier, and emerging markets for U.S. institutional investors.
This acquisition marks Beltone Financial's entry into ...
April 20, 2016
BRUSSELS — Sophie Bertin, a former senior official who served as Head of Unit in the "Financial Crisis" Task Force within the Directorate-General for Competition at the European Commission, has joined forces with Covington's global antitrust and competition practice. Ms. Bertin will be working with the firm's Brussels and London offices.
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July 28, 2014, Covington E-Alert
November 20, 2013, Covington E-Alert
April 17, 2013, Covington E-Alert
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January 2, 2013, Covington E-Alert
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July 27, 2012, Covington E-Alert
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2012, Bank Director
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April 26, 2011, Covington E-Alert
September 28, 2010, SIFMA Fixed Income Legal & Compliance Conference
June 24, 2010, Covington E-Alert
October 12, 2007, Organization for International Investment 2007 General Counsel Conference
June 2007, Panel Moderator, Securities Industry and Financial Markets Association's 12th Annual Fixed Income Legal & Compliance Conference
February 2006, The Bond Market Association's 11th Annual Legal and Compliance Conference, New York
October 2005, Panelist and Moderator, The Bond Market Association
July 26, 2005, Covington Advisory
March 7, 2005, Covington Advisory
February 2005, The Bond Market Association's Annual Legal and Compliance Conference


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Tree Pros 167 ReviewsCame Through for us.
Received a bid from Kyle. He was courteous, knowledgeable and very prompt. He recommended alot of good sound advice that other companies did not bring to our attention. We did not hire immediatly because we wanted to collect all our bids first. After receiving our bids both me and my husband both agreed that this was the company we wanted. They verified that we would have a Certified Tree worker on site to complete the work and he was great. I would use this company again in a heart beat. Thanks Kyle and Luis. Jane and Kirk Williams
The Tree Amigos 14 ReviewsThe Tree Amigos performed maintenance
The Tree Amigos performed maintenance and tree removal on quite a few trees that had been neglected for more than 40 years. They did a remarkable job. The tree are more attractive and appear healthier. The removal of a very large Aleppo Pine, Sumac and Oleander was done completely with studs ground and no damage to surrounding landscaping or fencing. Was a large 3 day project.
ultimate tree and yard work llc 8 ReviewsMy tree doc
I had 3 company's out to help me with my Ash tree it was declining quickly.Mike was my 3rd guy out to see tree and I am so glad I had him out .He was first one to tell me what was wrong with my tree other than being told too much water or not enough water or it has a Fungus.He took me inside an we looked on line and he showed me exactly what was happening.I really appreciate the time he took with me and helping my tree.I am sure he stayed here way too long and did not even get what he should have been gotten paid .Mike insisted in no fee for the Diagnosis an only charged me a small fee to come and spray and inject my tree.Needless to say it has regained it's conopy and I cannot wait see...
Creative Tree Care, LLC 5 ReviewsFantastic!
We have been using Creative Tree Care for several years and we are just so pleased. Simple, fast and honest service. We love this company cause they are so knowledgeable, the quality of their work , the communication is superb,and they are so friendly. Pricing is fantastic for the level of professionalism and work quality you receive.
Design Tree Maintenance 10 ReviewsExceptional People
Design Tree Maintenance did an outstanding job on my 4 trees: 2 ficus and 2 brazilian peppers. They provided me with a very competitive bid. I spoke with 3 other Arborist and Design Tree won our business due to the professionalism and competence of their Arborist Ben. The crew of Clay, Hector, Chris, Rodrigo and Stephen exceeded my expectations with their work. They were prompt and efficient. They did an outstanding job. My yard was immaculate when when they left. I will recommend them to anyone needing an arborist. GREAT JOB Design Tree.


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The huntsman from the Seavington Hunt in Devon has been fined £500 after admitting the offence of hunting a fox with hounds.
The huntsman of the Seavington Hunt in Devon has been fined after admitting hunting a fox with dogs.
David Parker of Seavington St Mary, Ilminster pleaded guilty at Yeovil Magistrates' Court on September 12, to the Hunting Act offence, which took place in the area around Causeway Lane, Winsham in Dorset in January 2013.
He was ordered to pay a fine of £500, a £50 victim surcharge and £500 costs.
District judge Lynne Matthews dismissed the defence's plea for a conditional discharge and made the point that Parker had admitted the offence of fox hunting.
The court heard two wildlife crime investigators from the International Fund for Animal Welfare (IFAW) were filming the hunt on the Dorset/Somerset border when they saw a fox bolt from where hounds were searching scrub area.
The huntsman blew the horn and engaged the hounds in pursuing the fox. The hounds were not called off and the pursuit ended at an earth where the fox apparently managed to escape.
The footage shows the fox fleeing across the field, with the hounds following shortly after.
RSPCA inspector Jo Daniel said: "The footage, provided by IFAW, clearly shows the members of the hunting party searching the area, along with the hounds, before the fox fled and the huntsman pursued it.
"We cannot stand by while laws that are there to protect wild animals are broken and if sufficient evidence is provided to us we have an obligation to act to prevent further such offences from occurring."
Robbie Marsland, UK director of IFAW, added: "Hunting a fox with hounds is a cruel and illegal activity and IFAW's monitors will remain vigilant to ensure anyone committing such offences is brought before the court."


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Auto enthusiasts appreciate the a variety of features and options built into each Kia, and understand that only the best replacement Sorento parts will suffice when your car or truck needs fixing. While it may not be difficult to locate replacement parts for Kia vehicles, these days the necessity for nothing but the absolute best are required to repair your automobile. Your Kia dealership isn't the only place to locate the highest quality parts to repair your Sorento. Anyone who drives a Kia knows that when it comes to repairing their car, truck, or SUV only the most superior replacement parts will do.
The technology to heat the passenger compartment of an automobile came long before one was invented. The heater blower motor in your Kia Sorento is typically found on the right side of the firewall, and can be removed or installed by opening up your glove box or going in under the hood. The job of your Kia Sorento heater blower motor is to blast a constant stream of air through the fins on your heater core into the cab. If your heater blower fails to turn, then you can be sure cold days are ahead inside your car or truck.
Trust in the value of the parts you get from carpartsdiscount.com and save time and money on all your upcoming repairs. Don't let a Blower Motor repair bring about the demise of your car, truck, or SUV, and don't risk lowering its resale value by buying anything but the best repair parts. Given all the trouble that can be involved with fixing broken parts on your car or truck, let www.carpartsdiscount.com be the number one store you go to make buying it easy. Kia Sorento Blower Motor parts for 2016, 2015, 2014, 2013, 2012, 2011, 2009, 2008, 2007, 2006, 2005, 2004, 2003 vehicles are available here... just click your year to find them.


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U.K. Stocks Slump the Most Since March 2009; HSBC, Barclays Sink
U.K. stocks fell the most since March 2009 amid renewed concern that global growth is slowing.
HSBC Holdings Plc (HSBA) tumbled 6 percent and Barclays Plc (BARC) plunged 11 percent as the Wall Street Journal reported that U.S. regulators will increase their scrutiny of Europe's largest lenders on concern that a debt crisis in the region may lead to a funding squeeze. Rio Tinto Group sank 6.5 percent as metals prices declined on concern that global demand is waning.
The FTSE 100 Index (UKX) slid 4.5 percent to 5,092.23 at the 4:30 p.m. close in London. The gauge has lost 14 percent from the end of June, wiping more than $300 billion from the value of U.K. shares amid concern that Europe's credit crisis and slowing U.S. economic growth may derail the global recovery. The FTSE All- Share Index also declined 4.5 percent today, while Ireland's ISEQ Index retreated 4.4 percent.
"Recession risk is the key call," said Bill O'Neill, the London-based chief investment officer for Europe, the Middle East and Africa at Bank of America Corp.'s Merrill Lynch Wealth Management, which manages $1.5 trillion. "To some degree, there has been disappointment in terms of corporate activity, certainly in terms of jobs growth. We will see a weakening of growth close to stagnation in Europe in the second half of this year, but I don't see a lurch into recession."
U.K. Stock Valuations
The slump has pushed down the price-to-earnings ratio on the FTSE 100 to 9.1 times the estimated earnings of its constituent companies, below the average multiple of 11.5 over the last five years, according to data compiled by Bloomberg.
The Federal Reserve Bank of Philadelphia's general economic index fell more than forecast to minus 30.7 in August, the lowest since March 2009, from 3.2 in July, a report showed today. Readings greater than zero signal expansion in the area covering eastern Pennsylvania, southern New Jersey and Delaware.
Morgan Stanley cut its forecast for global growth this year, citing an "insufficient" policy response to Europe's sovereign-debt crisis, weaker confidence and the prospect of fiscal tightening. The bank predicted growth of 3.9 percent, down from a previous forecast of 4.2 percent, according to an e- mailed report dated today.
Federal Reserve Chairman Ben S. Bernanke's pledge last week to keep interest rates near zero until mid-2013 was "inappropriate policy at an inappropriate time," Charles Plosser, president of the Fed Bank of Philadelphia, said yesterday in a Bloomberg Radio interview.
Dallas Fed President Richard Fisher said the central bank shouldn't make policy to protect stock investors. Both officials dissented from the Fed's Aug. 9 statement.
U.K. Retail Sales
In the U.K., retail sales rose less in July than economists had forecast as demand at clothes and household-goods stores dropped. Sales including fuel climbed 0.2 percent from June, when they increased a revised 0.8 percent, the Office for National Statistics said today in London. The median forecast of 19 economists in a Bloomberg News survey called for a 0.3 percent increase in July. On the year, sales were unchanged.
HSBC sank 6 percent to 509.6 pence and Barclays plunged 11 percent to 154 pence, leading declines today on the FTSE 100, as the Wall Street Journal reported that U.S. regulators will increase their scrutiny of Europe's largest lenders on concern that Europe's debt crisis may lead to a funding squeeze.
Rio Tinto declined 6.5 percent to 3,494.5 pence as metal prices slumped amid concern that global economic growth is slowing. Xstrata Plc (XTA) and BHP Billiton Ltd. (BHP), partners in the world's biggest open-pit coal mine for exports, fell 10 percent to 972 pence and 6.5 percent to 1,890 pence, respectively.
To contact the reporter on this story: Adam Haigh in London at email@example.com
To contact the editor responsible for this story: Andrew Rummer at email@example.com


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Enjoy awesome sunsets and a view of the sound from Sunset Dejour. Room for all the family in this five bedroom home located on the soundfront in The Village at Nags Head. Enjoy the amenities of the Village Beach Club and take advantage of the great neighborhood for walking and biking. Great sound and pier access. Living area has TV and fireplace and WiFi. Extra full size refrigerator in the lower level.
No Smoking. No Pets.
We absolutely enjoyed our week at the beach. The wearher wasn't always cooperative, but still had a great time. This house was remarkable. Loved the views and convenience of everything. The chef kitchen was out if this world. We sure weren't ready to go home that's for sure. Thanks. Deborah Peaden


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Telephone & Addresses
Nic Bongers (Age: 36)
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Location: iPhone: 42.697807,-83.070381 / Guitar slinger, Paint slinger, fish slayer, purveyor of fine relics. I have a B.A., M.F.A. working on a PhD. but can B.S. and is also a B.M.F. on the side.
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Detroit Music Scene: Meet & Greet // Used Gear Swap and Sale
Join Shadow and Honey at The Loving Touch for a trade show of Detroit s finest music related products services FREE ENTRY ...
OU Football Club headed to national championship game - Rochester, MI...
Rochester-Rochester Hills, MI - After posting a perfect record this season, Oakland was selected to play in the 2014 National Club Football Association...
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Rochester-Rochester Hills, MI - Oakland University's club football team brought home the National Club Football Association championship trophy over the...
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Connect and collaborate with Nicholas Bongers at Oakland University, with research interests in Online faculty / Instructional designer relationships., on...
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3 Domain(s) Use Nic Bongers As Whois Name Contact. Check Website or IP Address. WebBoar Menu. Hosting Companies · Contact Us · Terms of Use · Privacy ...
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Member, Doctoral Qualifying Exam Committee, Nic Bongers, 2014. Member, Doctoral Qualifying Exam Committee, Shaun Moore, 2014. Member, Doctoral ...
Books & Literature
Transformation in Teaching: Social Media Strategies in Higher...
... 5724 ISPress.org InformingScience.org Printed in the US Cover design by Nic Bongers Acknowledgements On May 33rd, 2010, e-Learning and Instructional ...
MOOCs and Open Education Around the World - Google Books
... Bethany Bovard (NMSU), and Nic Bongers (Oakland U); (4) Online Learning Apps and Mobile Learning¦Glenda Morgan (UIUC), David Middleton (Seton Hall), ...
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Blues music, lyrics, and videos from Rochester, MI on ReverbNation
e-Cornucopia Conference 2012: Creativity Through Technology - Free...
Download or subscribe to the free podcast e-Cornucopia Conference 2012: Creativity Through Technology by Oakland University.
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Oakland Univ. and the benefits of moving to Moodle
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With current technological advances, legitimate online job chances are available, chances which can make fairly suitable earnings. The amount of money that can be made from these job opportunities might not enable you to leave your day job to pursue working online on a full-time basis, nevertheless, these tasks offer individuals with the opportunity to supplement their earnings without interrupting their day-to-day regular due to the versatile work schedules and minimum certification requirements.
The minimum task requirements and flexible work schedule provide online tasks the most ideal for university student, given that the certifications needed to acquire the jobs align with the requirements students require to go to college. These job chances supply college students the opportunity to monetize on the education and understanding they worked hard for hence far.
In addition, all of the task opportunities can be carried out whenever and wherever the students desire, a flexibility that is difficult to find with the part time jobs many of us are familiar with. The benefits of the readily available online jobs for students are important for students to complete their education and pursue the profession they have actually dreamed of for numerous years.
The development of online jobs pave the road for what jobs can offer us in the future. As technological advances progression, the online tasks readily available will open up to a much more varied group of people, changing our culture.


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© 2017, SyfyWire. All rights reserved.
A lot of shows are already on holiday break, but this week a new miniseries launches us into space.
She played an iconic Cylon character aboard BSG and became known as an influential woman in the genre. Now Tricia Helfer returns to Syfy's to launch Ascension.
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Nuking the moon was just the beginnning - here are some of the wackier ideas mankind has had about the space beyond our atmosphere.


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Home > Consumer Conscious > Avoid Leg Injuries from Working Out
Avoid Leg Injuries from Working Out
Consumer Conscious
When you are working hard to improve the tone and shape of your body, the last thing you want or need is to hurt yourself.
If you perform an exercise incorrectly, injury can result -- and does, all too often. Doing too much, too fast is hazardous. Not warming up and/or using improper form are the most common factors in exercise related injury.
If a specific part of your body hurts after any exercise for whatever reason, stop doing the movement and check with a trainer. If no trainer is available put ice on the injured area and if it is not better in 24 hours, call a doctor.
When working the legs, if you have no previous problems with your knees or your back and you use proper form, commonly performed leg exercises such as those following, may be done with no concern.
General Exercise Guidelines
When doing any exercises, make sure you hold your stomach in and keep our torso stable. When extending legs, make sure not to lock your knees.
When you bend downward doing your lunges, do not bend too far forward or backward. Use no back movement at all. You also want to make sure our front knee does not go over your tow. If you go over your toe, you can put a lot of pressure on your kneecap area.
Leg Extensions
This is an exercise performed on an exercise machine. Extend your legs slowly without locking your knees. If you jerk your legs upward, you are just using momentum, not your muscles. You will not benefit from the exercise if done in that manner. Do not use too much weight on this machine, as it could be hard on the back.
Leg Press
This is an exercise performed on a machine and is excellent for the legs. It is also less strenuous on the kneecap area than the leg extension if done properly. Keep your torso stable, start low on the weight and build up progressively.
Leg Curls
When working the back of the legs, or the hamstrings, be sure you have the right piece of equipment. For example, one that is newer and keeps your back from arching. Also, be sure you are not trying to lift too much weight as this could put undue strain on your back. Keep your torso stable.
You can perform squats with free weights or on a machine. A machine can help guide your back posture, relieving it of undue stress and assuring proper form. However, with proper form and free-weights, these are great for the entire leg and should not result in any discomfort. When doing squats with free-weights, be careful not to bend or flex your back too much. Keep it stable. The hip, knee and ankle should be all that moves. You need not -- in fact, should not -- go into a deep knee bend. Also, watch your knees to be sure they do not extend in front of your toes. Think of the squat as a sitting down motion; as if you were going to sit down in a chair but decided to get back up. Keep the back straight!
When you begin doing step-ups, start with a low surface to step onto and no weights. If you decide to increase the height later, be sure you do not go so high that your knee is parallel to the ground. As in the squats, you do not want your knee to go over your toe. Always keep your back straight and upright and be sure your whole foot is on the surface onto which you are stepping. Step-ups are great for the legs at any height 4-inches or higher. If you are uncomfortable at a higher height, lower the stepping surface again. You will still gain; in addition, the when you incorporate weights you will challenge the muscles sufficiently.
Avoid Shin Splints
Shin splints is a general term referring to pain in the front of the legs, usually relating to exercise. Starting a new type of exercise, or increasing intensity too quickly, can cause this pain. The best ways to avoid them are to: 1) increase your exercise intensity level gradually, 2) wear well-fitting shoes made specifically for your type of exercise, and 3) start a lower leg stretching and strengthening program (ask a health club staff member for advice).
Aerobic Equipment
General Guidelines: When you are using any kind of aerobic equipment, you must be sure you do not use any bars for support. Use bars only for balance, if needed. Keep your stomach held in and your chest up.
Stair Climbing Machines: These pieces of equipment are good for leg muscles but they can be hard on the knees. If you were predisposed to knee problems, you would be better off avoiding a stair-climbing machine. Also note, you can develop a knee problem with over use of this machine.
Biking: Biking is good for legs and good for the knees. It takes away the impact of many other exercises. While biking, be sure that when your leg is down at the bottom stroke you have a slight bend in your knee.
Elliptical Machines: These are a good choice for working legs and are very easy on the body. They are non-impact machines yet works very well for cardiovascular benefits.
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- Physical Activity Is Safe for Almost Everyone (Blog Post)
Disclaimer: The material on this Web site is not intended to replace advice from your doctor or fitness professional. Please consult with your physician before beginning any fitness program or fat or weight reduction program. FitnessandFreebies.com takes no responsibility for individual results, or any claim made by a third party.


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Windows 10 Sees Faster Adoption Than Its Predecessors
Three months after its release, Windows 10 adoption is slowing down. According to data published by NetMarketShare, the newest version of Microsoft's operating system, released on July 29th, is now installed on 7.9 percent of all PCs. Windows 7, by comparison, had a market share of 7.7 percent at the same point of time. So Windows 10, the successor to the widely unpopular Windows 8, is doing very well. But considering that most people can update for free, its performance is hardly stunning.
- Microsoft's global revenue 2002-2016Microsoft's global revenue 2002-2016
- Microsoft Windows 8: number of licenses sold 2012-2014Microsoft Windows 8: number of licenses sold 2012-2014
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- Leading U.S. video properties 2016, by unique viewersLeading U.S. video properties 2016, by unique viewers
- Who may use the "Chart of the Day"?
- The Statista "Chart of the Day", made available under the Creative Commons License CC BY-ND 3.0, may be used and displayed without charge by all commercial and non-commercial websites. Use is, however, only permitted with proper attribution to Statista. When publishing one of these graphics, please include a backlink to the respective infographic URL.
- Which topics are covered by the "Chart of the Day"?
- The Statista "Chart of the Day" currently focuses on two sectors: "Media and Technology", updated daily and featuring the latest statistics from the media, internet, telecommunications and consumer electronics industries; and "Economy and Society", which current data from the United States and around the world relating to economic and political issues as well as sports and entertainment.
- Can Statista create customized charts?
Absolutely! For information on tailor-made and sector-specific
Charts of the Day, please contact Robin Hüdepohl


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Sick of the exact same boat tour in every city you visit?
You're not on a cookie-cutter tourist ride aboard the thirty-foot yacht-- St. Maurice. You can take the helm aboard a meticulously maintained personal yacht for a trip you won't soon forget. Captain Patrick, a Coast Guard-licensed skipper, has sailed these waters for decades. He can tailor your tour to whatever interests may lead you.
Captain Patrick has a wealth of knowledge about San Francisco Bay and its landmarks. He'll give you the scoop about everything you see as you ply the waters of the bay. Want to know about the Bay Bridge Troll? Just ask. Unlike the Bay Bridge, the Golden Gate Bridge doesn't have a troll, but it does have its South Tower Demon. Captain Patrick will tell you all about it.
Experience the Bay in a unique way aboard the St. Maurice.
Note: Tour is subject to weather conditions and afternoon tours are more windy than morning tours. If there is a cancellation due to unfavorable weather, you may opt for a reschedule or a full refund.
Private Sailing Trip on San Francisco Bay
What to expect
- Set Sail on a private, 30ft-Yacht, The St. Maurice
- Enjoy tales of the Bay as told by your Coast Guard-licensed skipper, Captain Patrick
- See the Golden Gate Bridge, Alcatraz, the San Francisco waterfront and much more
- Relax as you glide around the San Francisco coast on a trip that is anything but mundane
About this Activity
Key Highlights
|$350.00 per guest
|Duration / Session
|2 hours
|# Sessions
Cancellation Policy
If there is a cancellation due to unfavorable weather, you may opt for a reschedule or a full refund.


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The Home Secretary brushed aside the perception that the role of Hindu groups in Samjhauta train blast had put NewDelhi on the backfoot and said, "There would not be pressureon us because we are open about it. The investigation areopen, courts are free....
"In June, we told (Pakistan) that investigations areon.... When something crystallises, we will share it with them.... Now we have said as soon as the charge sheet is filed wewill share the full details with them because a very largenumber of Pakistani citizens were killed."
Asked whether Muslim youths arrested in previous casesof blasts, which have been now found to be handiwork of rightwing group, would be released, he said, "I think that processis on... as CBI moves for that process of review and releaseof those detained... that process has already been initiated."
To a question whether right wing groups were findingsympathy within the armed forces and police, the HomeSecretary said, "Nothing has come.. there have been somesympathisers but nothing much" other than Shrikant Purohit,who was a Lieutenant Colonel, and another person.


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Hotel Eifelgold Rooding is located in the Eifel National Park in the Valley of Erkensruhr. The valley is not Durchgangstal but ends before forested mountains. It features elegantly decorated comfort rooms for ensuring your comfortable stay. It has 2 meeting rooms which can accommodate up to 6 to 90...
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Ninja Questioner
28,768pages onAdd New Page
this wiki
this wiki
The Ninja Questioner was a Ninja servant of the Lying Darkness.
External Links Edit
- Ninja Questioner (Dark Journey Home)
|This article is a stub. That means that it has been started, but is incomplete. You can help by adding to the information here.


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General Rules
Maedaal is written vertically, similar to hieroglyphs, read downwards, left to right. Here are some important basic rules:
- Visually, the script is similar to grids where each word is separated from the next by two dashes such as "=" either side.
- When a scripture is complete and no more need be added, four dashes are used at the end.
- Even when you appear to reach the bottom of a page halfway through a word, you do not stop and begin on the next column with a whole word, allow it to be disjointed.
- The symbol for capital letters is not used for any emphasis (exclamation is rare in Maedaal script, though a symbol is provided). Use the capital symbol in reference to names or places.
- Similarly, when writing down the name of a royal, it is customary to use a cartouche.
- Script never uses repeated letters, such as for the word, "hello". Symbols are provided to show that the letter is doubled.
- Sometimes diacritics have their own symbols in Maedaal.
In the guidance you will find links to view the Maedaal script.


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Skip to content
Big Maths
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KS1 and KS2 Curriculum
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Letters Home
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Staff List
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The School Day
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Year 1
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Latest News
Sports Day 2017
Sports Day 2017 will be held on Thursday 15th June 2017 - KS 2 in the Morning -..
Telephoning School
If at anytime you cannot get through to school by telephone please email us at -..
Robinwood 2016
Staff and pupils from years 5 and 6 attended Robinwood Residential outdoor activity..
Pupil Voice
Well done to all the pupils who entered the Pupil Voice Post box competition. Winners..
Attendance Worship 2017
April 2017 - We are all working together to ensure that we all have excellent attendance...
Outstanding-SIAMS Inspection
'OUTSTANDING' SIAMS REPORT - NOVEMBER 2015 - Dear Parents and Carers - It is with..
HM The Queen's Letter to School
The Rock Youth Project Fun Day
Hello - The Rock Youth Project is 10 years old and to celebrate we are having a fun day..
Pupil Survey of Our School
Please click on the links below: - Results of Pupil Survey Spring 2017 - Pupil Survey..
May Half Term Holiday
Values Day
The Bishop Harvey Goodwin School - Values Day Monday 24th April 2017 - We are focussing..
Reading Reminder
Reminder for parents - Pupils should be reading three times a week. - Please sign your..
Drama Club
DRAMA CLUB - After the success of last years 'Treasure Island ' performance we look..
Our Christian Values-The Bishop Harvey Goodwin school
Staff, pupils and parents at The Bishop Harvey Goodwin School in Carlisle explore the..
Global Project
Throughout school children are taking part in our Global Project learning about countries..
Fund raise for school using School Angel
Dear Parent / Carer, - We are pleased to announce that The Bishop Harvey Goodwin School..
Admissions to School
For details please see Admissions in parents..
Feet for Football
On Friday the 28th April we were lucky enough to be joined by a football coach from feet..
Sparkle and Shine Tea Party
Sparkle and Shine Tea Party with the Headteacher Friday 5th May 2017 - Children are..
Chinese Visitor
Tuesday 4th April 2017 - Today we had a visit in school from Gloria a lady from China...
Year 2 Royal Multi Skills Festival
Year 2 Royal have been invited to Richard Rose Central Academy to take part in a Multi..
Web Links
Coming Soon


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We change places and change lives in some of the most challenged and challenging parts of Britain. But we can only do what we do with the support of partners and friends.There are many ways to help - whether it's through volunteering time and expertise or through cash and in-kind donations.The Get Involved section of the website is your way to help us to help the people and places who need it most.
Charity registration number 291558 | Company reg 1900511


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Equestrian jockeys are selected because of their light weight, competitive edge, and ability to fluently speak the horse language. Witness a rarified set of linguistic skills with today's Groupon: for $15, you get a ticket to the Saturday, April 30, festivities of the Rolex Kentucky Three-Day Event (a $23 in-advance value; a $30 at-the-door value), which takes place at the Kentucky Horse Park in Lexington, KY April 28–May 1.
In a rare feat of underselling, the Rolex Kentucky Three-Day Event draws horses and riders from around the world for four glamorous days of equine competition. The tournament reaches its boiling point on Saturday with the cross-country event, in which jockeys meld minds with their steeds to traverse four miles of forbidding topography, avoiding water hazards, banks, and ditches at speeds that may or may not catch the attention of nearby horse-traffic cops. Children under 12 can be party to this four-legged festivity with no cover, and dogs will not be carded at the gate as long as they are on a leash.
Alltech Arena at Kentucky Horse Park
4089 Iron Works Pkwy.
Lexington, KY 40511
+18592548123Get Directions


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At Option B Creative we are makers of distinctive brands. We are dedicated to creating stronger brand experiences that will resonate with your customers.
We begin at the end, ensuring we have a clear understanding of your communication objectives and business strategy. It's important to get in the minds of your customers, potential customers and other stakeholders so we can develop solutions that connect with people
and provide them with a valuable brand experience.
We take your goals and combine them with our research and experience in a wide range of industries, to develop creative solutions to
take your business to the next level.
Purposeful Communications + Design
We do not just make things look pretty, we solve real-life business issues. We create elements with the communication objectives in
mind. We care about your success because long term, your success, is our success.
Regroup. Re-invent. Revitalize. The time is now.
We know that the global recession is causing companies to redefine success. Smart companies are taking the time to regroup, re-invent themselves and plan for the next business cycle. They are investing in their future and developing communications that will set them ahead of the game when the economy starts to improve again.
Find out how Option B Creative can revitalize your organization's brand.
New Case Study
15.11.2011 - Young start-up creates brand identity
Entrepreneur Kirk Simpson comes to Option B Creative for Wave Accounting brand identity – and we rise to the creative challenge!


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Free personalized radio that
plays the music you love
Club America
Features of This Trackhouse roots
four-on-the-floor beats
danceable beats
unsyncopated ensemble rhythms
heavy backbeat
unmetered speech
a repetitive verse
use of tonal harmonies
rhythmic clapping
a busy bass line
ambient synth textures
synth swoops
effected synths
a highly synthetic sonority
prevalent use of groove
and many other similarities identified in the Music Genome Project
These are just a few of the hundreds of attributes cataloged for this track by the Music Genome Project.show more
Similar Tracks
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Home > Cooking Tips > Cheese Cooking Tips
Cheese Cooking Tips
Cooking tips for the caring cook.
Cheese, Please
- Select an assortment of cheese flavors that offers contrast in flavor: mild vs. sharp, texture: creamy vs. firm, milk source: cow, goat, sheep, appearance: round, square, dark rind.
- Do not serve more than three or four cheeses at a gathering. Any more and palates grow weary.
- Bring cheeses to room temperature before serving. This would be for about two hours. That is when flavor and texture is at their best.
- Cheese needs air and humidity to stay fresh. Wrap pieces in wax paper and store them in a seal-able plastic bag or container in the vegetable drawer in the refrigerator. Do not slice cheese until ready to serve.
- Do not be afraid of cheese rinds. Most are edible.
- Use separate knives for each cheese so flavors do not mingle.
- Great accompaniments to cheese: Breads, crackers, fresh and dried fruits, nuts and olives.
- Cheesy Apple Pie. Don't just serve cheese with apple pie, bake it right in! Spread grated sharp Cheddar on the bottom of the crust before adding the apple filling.
- Cottage cheese can be used in place of sour cream when making dips. Just place it in the blender until it is creamed.
- Be careful not to overcook or boil cheese when making a sauce such as Alfredo or the finished product may not be as smooth as you'd like. Stir shredded cheese into the sauce toward the end of the cooking process and cook and stir over low heat only until the cheese melts.
- When cooking with cheese, keep the heat or microwave low. Cheese needs enough heat to melt and blend with other ingredients. If heated too long and at too high a temperature, the cheese can become tough and stringy, and the fat will separate.
- The best cheese to use to melt evenly and smoothly is a process cheese. A process cheese also will not have fat separation. If you do use a natural cheese, shred the cheese so it will melt quickly. Cold cheese is easier to shred and slice. Four ounces or 1/4 pound of cheese equals 1 cup shredded cheese.
- Keep cheese fresh. Wrap cheese tightly in the original wrapper, plastic wrap or aluminum foil to maintain quality. This will help the cheese retain moisture and prevent mold. Keep freshness in by keeping air out.
- Before using your Cheese Grater, spray it with nonstick cooking spray. That makes clean-up a breeze! The cheese washes off without any scrubbing.
- Use your cheese slicer to slice butter from sticks of butter.
- Use lower temperatures with cheesy dishes for slightly longer time to enhance cheese's meltability.
Cream Cheese
- Cream cheese can be colored with powdered or liquid food coloring as a filler for dainty rolled sandwiches. Try a different color for each layer and slice as you would a jelly roll.
- For best quality, do not freeze cream cheese.
- To soften cream cheese, quickly remove it from the foil wrapper and microwave it on medium for 30 to 40 seconds.
- Softening Cream Cheese: Unwrap on 3-ounce package cream cheese and place in a small nonmetal bowl. Microwave, uncovered on 30-percent power about one minute or until soft.
- Neufchatel cream cheese is lighter, a bit lower in fat, and often less expensive. It's a traditional soft-white cheese originating from the village of Neufchatel-en-Bray in northern Normandy.
Make your own Tofu Cream Cheese
Combine in blender: 12-oz. tofu; 1/2 teaspoon salt, 1/4 teaspoon dill, 1/4 teaspoon caraway seeds, 2 tablespoons water and the juice of 3 small limes. Serve on bread or baked potatoes.


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Mobile App
DBC Kannur
Don Bosco College
Total Students
Fees Range
How to reach
Don Bosco College is situated at Angadikadavu PO, Iritty, Kannur Dt, Kerala - 670706. in Kannur.
Courses Offered
- 3 Years
- Master of Computer Application-M.C.A
- Information Technology - BCA / MCA / Computers
Don Bosco College - DBC Kannur - DBC
Don Bosco College, Kannur, is owned and managed by the Salesians of Don Bosco, an international organization of Roman Catholic Priests, actively involved in social transformation through education, with its headquarters in Italy. Our mission extends from rehabilitating run-away children to providing world class university education. consultancy status at the United Nations, the Salesians of Don Bosco, are globally recognized as professional managers of premium Institutes of Higher Education, with 15 Universities across the world. In India, Don Bosco has 517 educational institutions of repute, of which 36 of them are centres of higher education including Don Bosco University, Guwahati in Assam. The campus at Kannur is affiliated to Kannur University and is approved by AICTE, offering three year MCA program.VISION of college To become a centre that moulds seekers of knowledge into integrated persons and upright citizens of academic competence, spiritual maturity and social consciousness following Don Bosco's system of education. Mission of college To achieve academic excellence through quality instruction.To foster teamwork, social involvement and spiritual enrichment of the students.To ensure individual follow up and guidance.Don Bosco College, Angadikadavu is one of the prestigious professional institutions offering a 3 year post graduate regular program in Master of Computer Application (MCA) extending over 6 semesters. The MCA program of the College was established in 2002, approved by AICTE, Govt. of India and affiliated to Kannur University. The college is located at Angadikadavu, 12 km away from Iritty in Kannur Dt and is about 4 km from along Thalassery-Bangalore state highway. The college can also be accessed just 1 km away from the Hill highway. The campus is in a gorgeous setting at a verdant spot and is free from all the hassles of city life. The greenery and the dazzling river make life fascinating and exciting. Away from all hustle and bustle, you will enjoy the salubrious climate, a conducive ambient for study and research.
Why join Don Bosco College Kannur
Air conditioned lecture halls with AV aids & state-of-the-art facilities.
1 Type Courses Available
- 1 PG Courses
Don Bosco College Placements
Visiting Companies
Student Placement
The spacious "Bosco Cafe" provides healthy and tasty food at subsidised rate for both Students and staff of the college.The central library is open from 8 am to 8 pm on week days and from 10 am to 4 pm on Sundays and holidays. It has a collection of over 5000 volumes. College library follows the open library system, wherein the students can access the stack and select the books they need. The library has a book bank from where students can borrow text books and use throughout the semester. It also has a reference section with sufficient copies of the commonly required study materials.
Try our extensive database of FAQs or submit your own question...
BCA ADMISSION vivek jadhav Asked this 1 year, 3 months ago - India
PLACEMENT AT MIT PUNE Asif Umani Asked this 1 year, 3 months ago - India
Scope in bca Abhishek Asked this 1 year ago - India


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Download your PDF guide to Tarrés
2,9 km, in Vimbodí i Poblet
Vimbodí is a small village in the Tarragona region of Cuenca de Barberá. It has about 1,000 inhabitants, dedicated mainly to the cultivation of vines. On the cultural side, the village church is dedicated to the Transfiguration of
saved once


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Overstock's Bitcoin Acceptance Could Drive Profitability
- Overstock's acceptance of Bitcoins as customer payment could boost profitability over the long term.
- The company has vastly improved fundamentals over the last two years.
- The combination of Bitcoin acceptance, growing popularity of the virtual currency, improving fundamentals make overstock an attractive investment post the latest pullback in price
Overstock (NASDAQ:OSTK), the e-retailer, was among the highest gaining stocks in the bull market of 2013. The stock handsomely outperformed the broader markets with a yearly gain of 120% against the 31% gains by the S&P 500. However, 2014 has been a contrasting story with the stock retreating 36% in the year-to-date against a 2.5% gain in the S&P 500. Our recent article on the E-commerce sector highlighted Overstock's attractiveness as an investment option against the likes of Amazon (NASDAQ:AMZN) and eBay (NASDAQ:EBAY). The recent pullback in price has been significant and raises the question whether the pullback is a good entry point for the long term value seeking investor?
In early January 2014, Overstock announced the acceptance of Bitcoin, which made the bedding to dinnerware online retailer the first major e-retailer to accept Bitcoins. While the fundamental attractiveness of Overstock was established in our earlier post, we today focus on the financial implications and risks associated with this move by the e-retailer.
Overstock: A turnaround nearing completion
Our earlier post on the E-commerce sector showed the improving fundamentals of Overstock, as the company improved its revenue growth even as industry peers Amazon and eBay experienced a slowdown in revenue growth.
A look at the revenue growth charts confirms the belief that Overstock is well on the path to a recovery of sorts. The company has also seen a positive improvement across profit margins, another key fact responsible for driving our positive outlook on the stock.
Our today's discussion is focused on Overstock's decision to accept Bitcoins as a mode of payment on its website. Let's look at the advantages, risks and the financial implications of this move.
Bitcoin: Advantages to Overstock.com
Overstock CEO, Patrick Byrne, in an interview to Fortune made one revelation which could be of particular importance to the company. The transactions done through Bitcoins helps Overstock save 2% in interchange fees. The savings don't seem much at first. However, if we consider the fact that the company had Net Income margin of 1.3% in 2012 and 6% in 2013, 2% savings in interchange fees could make a significant difference, as that has a direct effect on profitability. While the company is not expected to make any major proportion of its revenues through Bitcoin transactions in the immediate future, the transactions could grow at a rapid rate, given the increasing popularity of the cryptocurrency.
The popularity of virtual currency is on a clear rise, according to a recent post on cnet.com. Coinbase, a provider of digital wallet services, now has 27000 businesses that accept Bitcoins. The company recently passed the one million customer mark, up from 13000 at the start of 2013, and the pace of new additions isn't slowing down yet. Coinbase co-founder Fred Ehrsam claims adding 5000 customers a day. Whew!! That's some serious pace.
Bitcoin acceptance: The risks
While Overstock could have expanded its reach and ease by accepting Bitcoins, the move also comes with its set of risks, the biggest of these risks being the volatile nature of the Bitcoin value. The fact that the Bitcoin traded within a one year range of $13 to $1200, in 2013, makes clear the risks associated with it. However, the fact that Overstock.com will convert Bitcoins to Dollars on a daily basis will limit that risk to the one day volatility of the virtual currency.
The Bitcoin acceptance by Overstock comes with its set of positives and negatives. However, the advantages of increased sales in Bitcoins and subsequent impact on profitability could significantly drive the bottom line of a company that has really low profit margins. It will be interesting to see what proportion of total sales will be through Bitcoin transactions over the coming quarters.
Considering the increasing popularity of virtual currencies, the move is a step in the right direction, as long as the company does not hold the Bitcoins in inventory. The long term positive impacts on profitability could be substantial for overstock.com, a fact which can drive the stock higher over the coming quarters. Considering the improving fundamentals of the company and the potential of the Bitcoin advantage, the latest pullback in price could just be the opportunity a long term investor might have been awaiting.
To see Overstock's latest stock price movement, click here (NASDAQ:OSTK)