text:
Larger imports of U.S. citrus are expected as China's rising demand continues to outpace local supplies.
THIS REPORT CONTAINS ASSESSMENTS OF COMMODITY AND TRADE ISSUES MADE BY USDA STAFF AND NOT NECESSARILY STATEMENTS OF OFFICIAL U.S. GOVERNMENT POLICY Required Report - public distribution Date: 12/16/2011 GAIN Report Number: 11063 China - Peoples Republic of Citrus Annual Annual Approved By: Laura Scandurra Prepared By: Ryan Scott, Wang Tong, and Wu Bugang Report Highlights: Orange production in marketing year (MY) 2011/12 is forecast at 6.6 million metric tons (MMT), up 12 percent largely due to favorable weather conditions in major producing regions. Tangerine production is forecast at 13.8 MMT, which is slightly down from the previous year because of extremely cold temperatures in key producing provinces. Larger imports of U.S. citrus are expected as China's rising demand continues to outpace local supplies. The United States remains the largest supplier of fresh oranges, tangerines, and grapefruit to China. Commodities: Citrus, Other, Fresh Production: China's overall citrus production is forecast at 27 million metric tons (MMT) for marketing year (MY) 2011/12, which is a four percent increase from the revised estimate of 26 MMT in MY 2010/11. The increase is largely due to additional supplies of oranges and grapefruit in major producing provinces. Oranges Orange production is forecast at 6.6 MMT in MY 2011/12 (November-October), up 12 percent from the revised estimate of 5.9 MMT in MY 2010/11, due to good harvest in major producing provinces (including Jiangxi, Guangxi, and Hubei). Favorable market returns have encouraged additional plantings. In MY 2011/12, acreage is expected to reach 760,000 hectares. In recent years, acreage has been expanding by at least three percent on a yearly basis. Navel oranges remain the dominant varieties. Frozen Concentrated Orange Juice (FCOJ) and Not-From-Concentrate (NFC) Production of frozen concentrated orange juice (FCOJ) and not-from-concentrate (NFC) is forecast at 25,000 MT (converted into a Brix value of 65) in MY2011/12 (October-September). Although this is an increase of 80 percent, these additional supplies are still inadequate to meet local demand for orange juice (especially FCOJ). As a result, China's juice market continues to largely depend on imports. Tangerines/Mandarins Tangerine/mandarin production is forecast at 13.8 MMT in MY 2011/12 (October-September), slightly down from the revised number of 14 MMT in MY 2010/11 because of lower-than-normal production in Hunan and Hubei (second and third largest producers). Tangerine acreage is relatively unchanged from the previous year at 815,000 hectares. Farmers are replacing old tangerine varieties with consumer-favored ones to gain better market returns. Canned mandarins Canned mandarin production is forecast at 360,000 MT in MY2011/12 (October-September), a 13 percent increase from the revised number of 320,000 MT in MY2010/11 largely due to growing domestic demand. Industry sources reported that production (including fresh mandarins, sugar, and packaging materials) and labor costs are expected to increase by 30 percent from last year. Grapefruits/Pomelos Grapefruit/pomelo production is forecast at 3.0 MMT in MY2011/12 (October-September), up seven percent from the revised number of 2.8 MMT in the previous year, largely due to a bumper harvest in Guangdong and Guangxi, China's second and third largest pomelo producing provinces. Pomelo production has rebounded to normal levels in Fujian province, the top pomelo producing region, which suffered crop losses from last year's typhoon damages. Lemons Lemon production is forecast at 300,000 MT in MY 2011/12 (October-September), a substantial increase of 20 percent, mainly due to favorable weather in Anyue county of Sichuan province, which produces nearly 80 percent of China's total fresh lemons and is deemed "the lemon capital in China". Consolidation in citrus production Consolidated farming is a trend in China's agriculture production. Large fruit trading companies and/or packinghouses enter contracts with farm cooperatives that have networks of hundreds of individual fruit farmers. Trade companies also provide technical assistance to farmers by offering free or subsidized fertilizers and pesticides. In some citrus producing regions, many individuals (including local agricultural officials) lease orchards from multiple farmers and consolidate land into large scale operations. These individuals typically have easier access to resources (like loans and government support) and can hire farmers to work in the field. Given increasing labor costs and shortages, industry sources indicate that consolidation can lower labor costs up to 30 percent. Government and private investments in pipe irrigation and fruit-picking facilities have also eased heavy workloads for aging laborers who often work in hilly areas. Private investment in high technology and modern machinery has emerged in fruit production as well. For example, to produce high quality oranges in Hubei province, a private company installed video cameras over production areas and computerized irrigation systems to apply fertilizer and pesticide applications. Prices: Farm gate prices for fresh oranges are currently quoted at 2.6-3.0 Yuan ($0.40-0.47) per kilo in Guangxi, down from 3.2-3.8 Yuan ($0.50-0.60) per kilo in the previous year mainly due to larger production. Tangerine prices rebounded from relatively low levels at nearly 2.0 Yuan per kilo in Hubei, which is 50 percent higher compared to same time last year. Higher pomelo production and lower-than-normal demand from EU countries have caused prices to fall. Pomelo prices are currently recorded at 2.0-2.6 yuan ($0.31-0.41) per kilo, compared to 2.8-3.5 Yuan ($0.44-0.55) per kilo in the previous year. As noted in other GAIN reports, production and labor costs have increased by at least 25 percent in most key producing provinces. Consumption: Improved distribution systems have increased the availability and consumption of fresh fruits. Consumption has expanded from first-tier cities (like Beijing, Shanghai, and Guangzhou where the lion share of fresh fruit is consumed) to second and third-tier cities. As more people pursue healthier lifestyles, fruits and vegetables will be an important component of a healthy diet. As fruit production in China expands, fruit processing is expected to be the future trend. Reportedly, sales from the juice market have reached double-digits annually, and orange juice (drink) remains the most favored product. Higher consumption of canned mandarins is a result of enhanced promotions of new forms of packaging (plastic bag, cup, jelly, etc) by local canneries. As new processed fruit products are developed, these nutritional and convenient foods will certainly attract buying interests from more consumers, especially the younger generation. According to industry sources, more citrus is consumed in northern China than in the south. Southern consumers tend to like sweet tasting fruit, while northern consumers prefer a sweet and sour flavor. Trade: Imports Orange imports are forecast at 110,000 MT in MY 2011/12 (November-October), an 11 percent increase from the previous year based on continued strong demand from Chinese consumers. Customs data indicate that 70- 80 percent of imports of fresh oranges occur during China's off-season (May-October). The United States and South Africa remain the top two suppliers of fresh oranges to China. Tangerine imports are forecast to increase by 23 percent to 16,000 MT in MY 2011/12 (October-September), due to rising local demand for high quality fruits. The United States and Thailand dominate the exports of fresh tangerines to China. Grapefruit imports are forecast to increase by 25 percent to 15,000 MT in MY 2011/12 (October-September), largely due to strong demand from high end consumers. An increasing number of wealthier consumers have become aware of and attracted by the health attributes of grapefruit. FCOJ imports are forecast at 80,000 MT in MY 2011/12 (October-September), up nearly five percent from the previous year, on firm demand by local beverage industry. With limited domestic production supplies of the varietal oranges used for juicing, beverage companies are expected to source more imported FCOJ to accommodate the escalating demand for juice and juice beverages by local consumers. Exports Mandarin exports are forecast at 580,000 MT in MY 2011/12 (October-September), down four percent from the previous year, mainly due to higher export prices. Increased prices will likely dampen buying interests from neighboring, price-sensitive Asian countries. Exports of canned mandarins, however, are expected to expand slightly by three percent to 340,000 MT during MY 2011/12 (October-September), primarily due to larger purchases from the United States. China is forecast to export 100,000 MT of fresh oranges during MY 2011/12 (November-October), nearly nine percent higher than the previous season. Additional exportable supplies and lower prices are expected to boost China's orange exports to neighboring countries. In MY2010/11, low temperatures and extended periods of rain significantly reduced fresh supplies in Jiangxi, the top producing province of fresh oranges in China, causing exports to plummet at least 40 percent to 92,137 MT. Pomelo exports are forecast at 72,000 MT in MY 2011/12 (October-September), down 14 percent from the previous year, largely due to weak demand from Europe. The current debt crisis suggests that Europe will account for 80 percent of China's pomelo production in MY2011/12. Policy: There is limited direct support provided by the central government to the fruit industry, but government subsidies are provided to agriculture as a whole. Distribution systems and sales of fruit production benefited from government investment in infrastructure (roads and wholesale markets). In Hubei province, local governments provide subsidies to demonstration farmer cooperatives depending on their scale. If a farmer cooperative is classified as a county-level demonstration cooperative, an individual who educates its members on how to follow standardized farming models, this farmer cooperative may receive a cash subsidy of 30,000- 50,000 Yuan ($4,717 to 7,862) from the local government. In Zigui of Hubei, the county government provides 7,500 Yuan ($1,180) per hectare worth of seedlings to citrus farmers who intend to replace old citrus varieties with new ones. In 2010-2011, the Ministry of Finance and the Ministry of Commerce allocated a total budget of $292 million to support the development of modern agricultural distribution systems in 17 provinces. With the purpose of reducing intermediate links in the distribution system and cutting down costs, the on-going pilot program focuses on building and upgrading wholesale markets, facilitating direct purchasing, and exploring innovative distribution models. On October 25, 2011, the Ministry of Agriculture and the Ministry of Commerce activated an action plan to facilitate direct purchasing between 10 national hypermarkets, 36 regional supermarkets, and 75 farmer cooperatives. According to officials at the Ministry of Commerce, the traditional multi-layer wholesale-retail system adds 5-10 percent costs to each segment, so the State Council is considering ways to cut taxes and administrative fees associated with wholesale markets. Marketing: Local demand for imported citrus has grown significantly. Compared with domestic fruit, imported products have better quality, and Chinese consumers can afford higher prices as China's currency continues to appreciate. The majority of imported citrus is sold through major retailers to mostly upper middle level consumers. Gift-giving is responsible for a large share of the market as well as hotels and restaurants, which purchase significant amounts of imported fruit and fresh squeezed orange juice. In-store promotion is a highly effective way to both expand the market and increase consumer awareness. With 86 percent market share (based on volume), the United States is the largest exporter of citrus products to China. Sunkist products account for the majority of the U. S. citrus market share in China. South Africa is the main competitor for the United States given its competing prices and marketing season which doesn't conflict with domestic production. That said, citrus products from South Africa to mainland China are closely monitored for strict temperature control in ocean transportation, so South African citrus products often arrive in Hong Kong and then transshipped to mainland China. Chinese consumers place a strong emphasis on the taste, appearance, and shape of citrus fruit. According to local importers and retailers, Chinese consumers usually buy fruit based solely on its appearance. This makes presentation and color essential to maintaining high retail price levels. The most popular fruit in China tends to be characterized by bright color, consistent peel and a high Brix content. Chinese consumers are also attracted by innovative products that encourage consumers to try new fruit drinks and citrus varieties. There are some regional differences as consumers in northern China focus more on size and appearance. Importers state consumers are more likely to purchase larger fruit with smooth and shiny citrus peels. On the other hand, consumers in southern China place less emphasis on appearance and more on taste. Although there is tremendous growth in direct shipments of U.S. citrus to Shanghai and Tianjin ports where there are fewer middlemen, lower transportation costs, and better product quality, the Jiangnan market in Guangzhou is still the main distribution hub for U.S. citrus products. Oranges About 90 percent of all U.S. citrus products exported to China are oranges. The top two varieties in the market are navel and Valencia oranges. Guangzhou is the top importing port for U.S. oranges followed by Huangpu and Shanghai. It is worth noting direct imports of U.S. oranges are rapidly increasing to the ports in Tianjin and Ningbo. In general, Valencia prices are relatively stable (supplies are available before China's harvest season), but prices for navel are greatly affected as they are largely based on quality and conflict the timing of domestic production. However, late mature U.S. navels which lands in China after February are very popular. Chinese consumers prefer the larger sizes, good appearance, and sweet taste. Direct purchasing is the new trend in the retail industry. Some major retailers such as Tesco, RT-Mart, Huarun, Carrefour and Wal-Mart are entering into purchasing contracts with local farmer cooperatives or packinghouses to source domestic oranges. This minimizes communication with the middlemen and improves profits and quality. Some retailers would like to establish direct, long term contracts with U.S. growers and packers; but, these retailers lack the knowledge to source imported products directly from overseas suppliers (via Customs and AQSIQ clearance), have no cold chain facilities and disjointed distribution channels, and only carry large quantities of one size products. Fruit stores are very popular in urban cities such as Beijing, Shanghai and Guangzhou. Importers and distributors often open fruit stores around highly populous communities. Lemons In 2010, about 100 percent of imported lemons (based on value and volume) in China were sourced from the United States. The expansion of domestic production is the only competition for U.S. lemons. Given high quality and broad market awareness, U.S. lemons enjoy a high reputation among Chinese customers and the HRI sector. Lemons continue to evolve as a cooking ingredient in the food service sector because of the colorful appearance and versatility. Lemons are recognized as a flavor enhancer and a source of vitamin C. The market for imported lemons is mostly limited to major cities such as Shanghai, Beijing and Guangzhou, but Shanghai imports huge volumes for the HRI and retail sectors, and, as a result, Shanghai ports have become the major hub for imported lemons from United States. Grapefruit Grapefruit is still relatively unknown to China's consumers and often confused with pomelos. The quality of Chinese pomelos has improved rapidly in recent years with sweet and juicy varieties. Unfortunately, grapefruit is not sweet enough to appeal to most Chinese palates. With an increasing awareness of health and nutrition, more urban customers are beginning to enjoy U.S. grapefruit. In 2010, the value of imported grapefruit from the United States reached a higher-than-expected level of $3 million, which was a 41.09% increase over 2009. Juice In 2010, the China juice market increased by 12.5% to reach $20.5 million. The juice market has growth potential as annual consumption per person in China is 10.1 liter, which is relatively low compared with Russia (20.1 liters a person) and the United States (30.3 liter a person). Orange juice continues to lead the juice market despite the declining market share from 2008 with 57 percent to 2011 with 47.2 percent. Other juice flavors are developing such as plum, lemon and white grape. Taste is the main determinant for customers to make purchasing decisions. Chinese customers prefer sweet flavors, so orange juice is more popular than lemon and grapefruit juices. According to an importer of Florida citrus juice products in Beijing, orange juice captures 70 percent of the juice market (in retail) and grapefruit accounts for the remaining 30 percent. China's domestic products dominate the HRI (hotel and restaurant industry) sector as local brands capture 50 percent of the market share. There is rising competition in the imported juice market. Mexico and Europe can easily be sourced in upscale supermarkets in China. These products have attractive packaging and are often cheaper than U.S. counterparts. For example, the price of a liter of Mexican citrus juice is less than USD 4.69 (RMB 30), while an equivalent liter from the United States is more than USD 6.25 (RMB 40). Although the U.S. product has better quality, most consumers are price sensitive and prefer less expensive products. However, fresh grapefruit and orange juices from Florida are very popular among upper mid level customers in Beijing, Qingdao and Shanghai, even though prices for these products are over $6 for a one liter. More local restaurants are beginning to offer freshly squeezed juice. Lemon water is also popular in western restaurants, mid-upper level restaurants and coffee shops. Most fresh fruit juices in restaurants are sourced from domestic production. Starred hotels consume huge volumes of low value citrus from the United States, which are smaller-sized and appear less smooth than the South Africa's citrus that is available in retail markets. Inadequate cold chain still a challenge Cold storage is still limited for high value imported fruit and other products. Most domestic products have no cold chain storage or refrigerated transportation except for exports. In addition, 99 percent of the storage in China can or does not maintain a seamless cold chain. For example, most products are exposed to normal temperatures while being transferred between refrigerated trucks and cold storage. Domestic shipping is also an issue and according to local distributors, refrigerated trucks are not normally used to transport products within the same province. Refrigerated trucks are only used when shipping the products to other provinces. In the retail sector, most supermarkets display imported fruit in refrigerated areas since they are more expensive and profitable than local products. Brand Awareness Brand awareness is gradually developing in urban China such as Beijing, Shanghai and Guangzhou. U.S. citrus products with a Sunkist label are welcome in retail markets because customers believe the products are higher quality (fresher and healthier) than competitors. A number of high-end hotels only source Sunkist products. Over the past two years, consumer awareness of Sunkist products has also spread in second and third tier cities. Reportedly, fraudulent findings of falsely-labeled citrus products in major distribution centers have slowed down compared to recent years, but, unfortunately, small stalls still place counterfeit Sunkist labels on products and mix authentic Sunkist citrus with non- brand citrus in one package. Citrus Historical Production Tables by Province Orchard Area and Production by Province 2007 2008 2009 2010 1000 Ha 1000 MT 1000 Ha 1000 MT 1000 Ha 1000 MT 1000 Ha 1000 MT Hunan 325.9 2,779 335.9 2,976 376.2 3,385 379.0 3,889 Guangdong 243.6 2,568 248.0 2,805 276.0 3,221 282.6 3,500 Guangxi 165.3 2,347 178.4 2,655 189.2 2,892 197.9 3,132 Hubei 189.0 2,116 211.1 2,555 225.6 2,747 229.2 3,010 Sichuan 223.3 2,325 231.4 2,576 244.5 2,773 253.2 2,929 Fujian 170.4 2,386 173.5 2,565 175.2 2,668 175.4 2,723 Jiangxi 262.5 1,957 281.9 2,485 296.4 2,994 300.6 2,686 Zhejiang 122.5 1,987 122.1 2,384 116.7 1,975 114.5 1,908 Chongqing 113.9 1,044 120.3 1,137 126.3 1,263 138.0 1,390 Yunnan 32.1 281 32.9 327 34.1 383 34.3 417 Shaanxi 23.3 224 25.7 237 28.9 308 33.9 287 Guizhou 37.9 191 38.5 191 38.6 194 40.9 204 Shanghai 10.9 240 10.7 265 9.9 236 9.0 202 Jiangsu 3.7 47 3.7 51 4.6 60 3.6 54 Hainan 3.7 30 3.8 39 4.4 44 5.1 48 Henan 10.0 38 10.1 40 10.7 40 10.9 42 Anhui 3.2 19 2.5 22 2.7 23 2.7 28 Gansu 0.3 3 0.3 3 0.3 3 0.3 3 Total 1,941.4 20,582 2,030.8 23,313 2,160.3 25,211 2,211.0 26,452 Source: Ministry of Agriculture Abstracts Production, Supply and Demand Data Statistics: Fresh Oranges Oranges, Fresh 2009/2010 2010/2011 2011/2012 China Market Year Begin: Nov Market Year Begin: Nov Market Year Begin: 2009 2010 Nov 2011 USDA New USDA New USDA New Official Post Official Post Official Post Area Planted 700,000 700,000 735,000 735,000 760,000 Area Harvested 0 0 0 0 0 Bearing Trees 0 0 0 0 0 Non-Bearing Trees 0 0 0 0 0 Total No. Of Trees 0 0 0 0 0 Production 6,500 6,500 5,500 5,900 6,600 Imports 80 80 85 99 110 Total Supply 6,580 6,580 5,585 5,999 6,710 Exports 158 158 95 92 100 Fresh Dom. Consumption 6,220 6,220 5,310 5,727 6,285 For Processing 202 202 180 180 325 Total Distribution 6,580 6,580 5,585 5,999 6,710 (Unit: 1,000 MT, Hectare) Fresh Tangerines/Mandarins Tangerines/Mandarins, Fresh 2009/2010 2010/2011 2011/2012 China Market Year Begin: Oct Market Year Begin: Oct Market Year Begin: Oct 2009 2010 2011 USDA New USDA New USDA New Official Post Official Post Official Post Area Planted 800,000 800,000 812,000 812,000 815,000 Area Harvested 0 0 0 Bearing Trees 0 0 0 Non-Bearing Trees 0 0 0 Total No. Of Trees 0 0 0 0 0 Production 14,200 14,200 12,500 14,000 13,800 Imports 9 9 10 13 16 Total Supply 14,209 14,209 12,510 14,013 13,816 Exports 712 712 620 607 580 Fresh Dom. Consumption 12,977 12,977 11,470 12,926 12,696 For Processing 520 520 420 480 540 Total Distribution 14,209 14,209 12,510 14,013 13,815 (Unit: 1,000 MT, Hectare) Fresh Grapefruit/Pomelo Grapefruit, Fresh 2009/2010 2010/2011 2011/2012 China Market Year Begin: Oct Market Year Begin: Oct Market Year Begin: Oct 2009 2010 2011 USDA New USDA New USDA New Official Post Official Post Official Post Area Planted 0 0 0 Area Harvested 0 0 0 Bearing Trees 0 0 0 Non-Bearing Trees 0 0 0 Total No. Of Trees 0 0 0 0 0 Production 2,900 2,900 2,600 2,800 3,000 Imports 7 7 10 12 15 Total Supply 2,907 2,907 2,610 2,812 3,015 Exports 119 119 95 84 72 Fresh Dom. Consumption 2,788 2,788 2,515 2,728 2,943 For Processing 0 0 0 0 0 Total Distribution 2,907 2,907 2,610 2,812 3,015 (Unit: 1,000 MT, Hectare) Frozen Concentrated Orange Juice (FCOJ) Orange Juice 2009/2010 2010/2011 2011/2012 China Market Year Begin: Oct Market Year Begin: Oct Market Year Begin: Oct 2009 2010 2011 USDA New USDA New USDA New Official Post Official Post Official Post Deliv. To Processors 201,500 201,500 180,000 180,000 325,000 Beginning Stocks 4,400 4,400 15,000 15,000 25,000 Production 15,500 15,500 13,850 13,850 25,000 Imports 59,965 59,965 42,000 76,544 80,000 Total Supply 79,865 79,865 70,850 105,394 130,000 Exports 4,365 4,365 4,000 5,236 6,500 Domestic Consumption 60,500 60,500 61,850 75,158 90,000 Ending Stocks 15,000 15,000 5,000 25,000 33,500 Total Distribution 79,865 79,865 70,850 105,394 130,000 Note: Numbers have been converted to concentrated orange juice using a ratio of 6:1 between single strength and concentrate. Products under HS Codes 20091200 and 20091900 are both treated as single strength juices.


text:
According to CIC Mishra, excessive judicialisation of information commissions will deprive the commission of this flexibility and the society must decide if this is the right path
How about the idea of getting a home loan approved even before you have finalised the property? But is this free of all hassles? Are there any reasons for not opting for one?
It has been more than two-and-half years when the budget made a noise about infrastructure debt funds (IDFs). The Cabinet on 4th October finalised the tripartite agreement that will possibly pave the way for infrastructure debt funds (IDFs), but their acceptability by the capital market will only need to be seen
In the spate of so-called steps to restart the jammed tempo of Indian economy, infrastructure obviously must have taken the key place. And as for reviving infrastructure, infrastructure financing, the government has taken a few initiatives, but all this is still too little for reviving the sector which, going by the mood that we saw at our recent Infrastructure Finance Summit, is almost in tears. But for brave faces seemingly saying—we can cope up with this also—the participants at the Infrastructure Finance event were melancholy.
One of the things the Cabinet recently cleared is the tripartite agreement that will possibly pave the way for infrastructure debt funds (IDFs). Several proposals for IDFs, mostly in the mutual fund route and some in the NBFC mode, are currently lying before the Securities and Exchange Board of India (SEBI) or Reserve Bank of India (RBI). The IDF guidelines of the RBI came in September 2011, following an announcement in Budget 20101. The guidelines require that the IDFs sign a tripartite agreement between the lender, the concessionaire and the IDF. The format of the tripartite agreement was not firmed up for all these months. It was only on 4 October 2012 that the tripartite agreement was finalised. With this, possibly, SEBI and RBI will give go-aheads for the IDFs, for which several applications are currently pending.
Read here about infrastructure bonds being eligible for investment by charitable/religious trusts.
It is not that tonnes of money are waiting for the launch of IDFs. As regards international investors, practitioners confirm that currently there is no interest in the India story, and more so for the infrastructure sector, which has recently seen such episodes as cancellation of telecom licenses, revocation of coal block allotments, and so on. The overall image of India was already tarnished with the infamous proposals of the then finance minister on retrospective taxation; with that, the blows that the courts gave in response to corruption scandals were just too much to bear.
In addition, the schemes of IDFs suffer from several fundamental flaws. The two options—mutual funds and NBFCs—have so much of disparity that they seem to be two uncomparable instruments. An IDF-NBFC, as the RBI calls it, has capital as its essential corpus and raises funding by issuing bonds. The capital of the IDF-NBFC acts as a first-loss credit enhancement. Given the capital requirement of 15%, and risk weight of 50% for the infrastructure loans that an IDF-NBFC will acquire, this would mean a minimum 7.5% credit enhancement for the bondholders. Every IDF-NBFC may be visualised as a sort of pool of infrastructure loans. Hence, the bonds issued by an IDF-NBFC essentially represent securitisation of the pool of loans that that the IDF-NBFC holds. In case of a proper securitisation of infrastructure loan pools, the sizing of the enhancement will be derived looking at several factors such as the default rate, level of diversification, granularity of the pool, and so on. The regulatory minimum credit enhancement of 7.5% for a dynamic pool with no safeguards as to diversification is unlikely to be as appealing to investors as a securitised instrument would have been.
On the other extreme, the mutual fund option, or the tag of "mutual fund" for any collective investment scheme that invests in infrastructure loans, is wholly misconceived. It is notable that in the Alternative Investment Fund (AIF) regulations, there is an option to have an AIF for infrastructure funding. However, mutual funds are seen as instruments that invest in capital markets. There is no question of credit enhancement in case of the mutual fund option—hence, any one loan out of the pool of infrastructure loan going bad will expose the investors to NAV losses. Unlike a mutual fund that invests in capital market instruments, the one investing in infrastructure loans is unlikely to have either the granularity that a mutual fund needs, or the transparency in the fair valuation of its own assets—leaving investors to a substantial disadvantage. The investments that such a "mutual fund" will make will be infrastructure loans, which are big ticket, illiquid and long maturity assets. There is no transparency in pricing of such assets, and it would always be hard and subjective to declare the NAV of such a mutual fund. If such a mutual fund is an open-ended fund, the fund manager may find it hard to liquidate the units. If the fund is a closed-end fund, the fund goes through the entire rigmarole of listing. In any event, the mutual fund route is understood, world over, as the device to make capital market investments, and it would not be surprising if a mutual fund agent markets an infrastructure mutual fund to unsophisticated investors claiming it to be something like a mainstream mutual fund.
In essence, with the AIF route being available, the mutual fund option should not have been envisaged for infrastructure loans.
Despite this, the reason why most players have opted to go for the mutual fund route to IDFs is clearly because of the convenience and scope for wide discretion in case of the mutual fund option as compared to the NBFC route.
It has been more than two-and-half years when the budget made a noise about IDFs. The regulators have taken their own good time to clear the all-needed documentation. So, hopefully the finalisation of the tripartite agreement is the last of the regulatory steps, and now, IDFs are at least regulatorily ready to take off. Their acceptability by the capital market, of course, will only need to be seen.
In the meantime, the interim report of the High Level Committee on Financing of Infrastructure came out in August 20122. Note that the Committee was constituted almost two years ago—in November 2010—so, it is not sure whether it is the complexity and enormity of the problem, or the changes in the constitution of the Committee, that even an interim report has taken this long time. The interim report has made several sector-specific recommendations, besides making pointed recommendations regarding IIFCL. The recommendations for IIFCL relate to redirecting of its operations, so that the overlaps between IIFCL and banks/IFCs could be avoided.
The essence of the Committee making its interim report lay in the fact that there were measures which required immediate attention, and it is not safe to wait for the submission of the final report, which may come around March 2013. However, it does not seem whether the government has taken any action on any of the sector-specific recommendations of the Committee, most of which may be politically sensitive.
In short, India still seems to be going slow, and not steady, on the highway of infrastructure.
To read more articles by the same writer, click here.
(Vinod Kothari is a chartered accountant, trainer and author. He is an expert in such specialised areas of finance as securitisation, asset-based finance, credit derivatives, accounting for derivatives and financial instruments and microfinance. He can be contacted at [email protected]. Visit his financial services website at www.vinodkothari.com.)
1See our article commenting upon the IDF guidelines, at http://india-financing.com/Infrastructure_debt_funds_and_infrastructure_mutual_funds.pdf. Among other things, the article provides an overview of different forms of special purpose entities for financing or refinancing of infrastructure.

subset: commoncrawl


text:
super sixes
Who doesn't love a list? These are our pick of the best events from beginner triathlons to the toughest 10k's.
Belfast City Marathon, with a variety of options, is one of the leading marathons in the UK and Ireland. Marathon, Relay and Wheelchair Race options all use the same route, which covers all areas of the City. The Marathon Walk (8 miles) is non-competitive and is designed for ramblers and hikers. A Fun Run (3 miles) is also available.
Create your free profile to see what events your friends are doingsign up / log in
Some of the smaller (and not-so-small) brands making good stuff for events like this:
Don't have an account? Sign up.
To find out more about how we can spread the word about your next event, drop us a line:
With a clear goal, anything is possible. Find a Race is here to help you get that focus.
Already have an account? Log in.


text:
- Subscribe to RSS Feed
- Mark Topic as New
- Mark Topic as Read
- Float this Topic for Current User
- Bookmark
- Subscribe
- Printer Friendly Page
- « Previous
- Next »
Re: [POLL Feedback Thread] Home 1.75
BabyBearsBed wrote:
Don't know if there is a thread for this issue but the wardrobe and furniture mix up is a MAJOR HASSLE.There are always some things to iron out after updates but this is too much.I'm pretty upset by this.Storage being restored and favorites moved to storage.I won't be making nearly as many purchases until this is resolved.it's way too frustrating.Good luck,I hope it's resolved soon.
Didn't you hear? The official response from our community manager is that there are only little issues bubbling up that only a few are experiencing, so you must be mistaken.
The reality is there are big issues that are not just bubbling up, but showed their ugly heads right after the update, and it's clearly affecting the vast majority of users... But apparently it's not worth their time to communicate this to the community, and reassure us that they take these issues seriously instead of portraying them as rather insignificant things that only a few are having to deal with.
We deserve better than that. There's a saying in Texas... Don't **bleep** on my boots and tell me it's raining...
Sony's PlayStation Home updated mission statement...
"Like it never happened"
- Stand for something better than mediocrity and don't disguise it as adequate, when clearly it is far from that to anyone willing to be objective and unbiased. -
Re: [POLL Feedback Thread] Home 1.75
@D-Nitrate Calm Down, your shoving this all of PS HOME for misscomunication...
If i'm not mistaken, this is what the Community wanted... People wanted the Freezing & Network Dis-Connection to be Fixed...
The Community asked for this, wanted things done around here, now they have been done, & look where it got us...
I said this was a bad Idea from Day one that this was Mentioned, I did not Support this then, & I am not Shocked at what has Happened...
I'm not Suprised at all...
I said no, but it still came anyways, & now there is a Huge Mess, as a matter of Fact, I never even made the Update on my PS3, why?
Because i'm not Willing to go through the Mess you all are going through right now...
As a Matter of Fact, there are some people who are Completely Utterly Scared to make the Update...
There is nothing the HOME Team nor Sony can tell us, because they don't have anything Solid to Communicate with, yet...
Once they do, they will let everyone know...
Playstation 4
Too much Networking, & Socializing, but yet not enough Gaming... ~_~
Not My Style!!!
Get Your Portable ID!
Re: [POLL Feedback Thread] Home 1.75
Voted DISSATISFIED.
Home is BROKEN, Sony. The core update has serious problems. Please fix it.
Wardrobe, Furniture, Portables inventories are all scrambled and continue to become scrambled regardless of what I've done to try to reorganize them. Now my old items are showing up in the front menu marked as NEW!! WTH. This is a huge problem. Multitudes have already reported these issues and many more. Multitudes more do not post on these Forums.
This is NOT a minor issue or inconvenience. HOME. IS. BROKEN.
Re: [POLL Feedback Thread] Home 1.75
GuRuAsaki2098 wrote:
@D-Nitrate Calm Down, your shoving this all of PS HOME for misscomunication...
If i'm not mistaken, this is what the Community wanted... People wanted the Freezing & Network Dis-Connection to be Fixed...
The Community asked for this, wanted things done around here, now they have been done, & look where it got us...
I said this was a bad Idea from Day one that this was Mentioned, I did not Support this then, & I am not Shocked at what has Happened...
I'm not Suprised at all...
I said no, but it still came anyways, & now there is a Huge Mess, as a matter of Fact, I never even made the Update on my PS3, why?
Because i'm not Willing to go through the Mess you all are going through right now...
As a Matter of Fact, there are some people who are Completely Utterly Scared to make the Update...
There is nothing the HOME Team nor Sony can tell us, because they don't have anything Solid to Communicate with, yet...
Once they do, they will let everyone know...
Was that a haiku?
Re: [POLL Feedback Thread] Home 1.75[ Edited ]
How are these major core changes actually tested? I am beginning to think the software is tested by a single non Home user with a default empty Home inventory account on an empty non stressed isolated server. In many businesses, errors this large would get people fired or reassigned to noncritical job positions. I have tried to keep the faith, but in the high tech world today, there is little excuse for such routine, consistently regular major issues . To top it off, updating a major core change just prior to 2 major back to back Holidays is completely insane. I also can confirm the multitude of problems listed above. These core issues come on top of the growing number of broken, bugged, and error ridden new games and content which seem to be forgotten due to the next new weekly thing. I am beginning to appreciate the views of the already disenfranchised users who gave up spending money on Home long ago. I fear that Sony has not funded the Home project well enough to fix these issues. No matter how smart or dedicated the Home staff are, without adequate funding and support from Sony management, improving Home may be near impossible for the dedicated people working to make it all happen. Now there, I feel better already after my ranting.
Re: [POLL Feedback Thread] Home 1.75
I'm sure they test on a controlled, closed network, and the testing is done by network techs. They have no way of knowing what will happen when thousands, perhaps millions of systems connect once it goes live. They need to see these type of problems to develop fixes for them. I'm sure it will get done soon enough. No point in getting upset when something doesn't work right the first week. No fix would be coming before tomorrow anyway.
Re: [POLL Feedback Thread] Home 1.75
I didn't get a chance to check it out till last night really, and It was a bit confusing at first...
I agree with some folks that non Plus members havve been shafted a bit, yet at the same time, I am happy to be a plus member it is a good deAL IN AND OUT OF HOME. So I see no reason that a Gamer in Ps HOME would not have plus... its only 50 bucks a year and it pays for its self in less then 3 months, and also the fetures in HOME are a great added bonus.
Yet I can say Im not sure having the back up taken away from us was a great idea... I save my HOME stuff to my cloud saving from Plus and it has saved me a few times. Also I have not gotten to try the feature of Load up from any PS3, yet I have two ps3s in my house this week so I plan to try it out...
I found the release notes very hard to read and understand... Glasswalls, when you make posts about the polls on Patches and Updates like this one could you please include a lamens term verstion of the Release notes. That way we can really make good posts about what we like or Dont with something to compare it too? I know you have a lot of work, yet Any good thread should have a matching OP, and being informed about what we are posting on will make the posts more orderly and also give us the chance to comment better. I really would like to comment on all the updates yet am still unsure what they all are... If you can not post a revised version, can you at least post a link in the OP to the release notes or Blog post so the people here can follow that to see what they are posting on...
Re: [POLL Feedback Thread] Home 1.75
I also find that Home runs much slower now. I will get the www circle spinning at the top and suddenly I can't play any games or change spaces. I had little problems before the update and now I have little desire to even bother logging on. I'm sure there are less patient people out there that don't bother complaining and just go back to other games.
As for the plus perks... Seeing people's club names is interesting but I won't be surprised if it turns into some issue with immature groups.
Overall I see the whole plus perks as a fail. It only benefits home users that already had plus. I really don't see new hair colors drawing in new users because THAT'S what they were waiting for. I also don't see the just home users being enticed by plus just for hair color. I know I have no use for plus. I barely have time for the handful of games I buy so there is no overall benefit for me. The perks should have been exclusive spaces/items and discounts. The first time I played home I hated it. The people I met were rude and making an avatar was too much effort for little perceived payback. It wasn't until the welcome back package that I bothered trying it out. I had outfits and spaces to play with before venturing out to public areas. If the plan was to bring in new users from plus they need something more exciting than colors. And if the plan was to get regular users to subscribe to plus they know the value of colors and the yearly subscription fee does not seem worth it.
Re: [POLL Feedback Thread] Home 1.75[ Edited ]
I have only experienced good things with this update. It has become so quick, that now Home has to wait for me, haha.
The features that I found that are better are,
- Quicker downloads of the Locomotions, they appear right after the Avatar does, while before, it could take 3 minutes ,
- Quicker downloads of the pre-saved costumes, it's a lot quicker than it was before, now I can use all slots instead of only 12 , (Can't the pictures of the costumes be zoomed out so you can see the whole Avatar? I always forget where I stored what. )
- Downloading of spaces goes quicker, except the colored loadbar, that goes just as slow as before,
- The clubname and tag are nice extra features ,
- And ofcourse the ability to change in another player's apartment is something that the community has been asking for ages.
The only thing that I don't approve are the extra colors, and save slots being available only for PlayStation Plus customers.
Those are very nice colors, but if it has to, then it would be fair that owners of the Mansion, and or the Gold suit, Diamond suit, and the Emerald, Ruby, and Sapphire suits, and players that bought, or 'invested' a certain amount of money in Home, would received them too. These owners can also enter X7, can't they?
I never bought a Plus membership, but I would buy one right away, if you could have discounts like with disk, and downloadable games.
A Locomotion that is $3.99, when you have Plus then it's $2.19,
A costume bundle that is $5.99, for $3.49,
An apartment of $9.99, for $6.20,
More $1 bundles, that consists of furniture, clothes, even apartments...
Sony said on E3 2012, that you can save a lot of money with Plus, but if you only, play Home, which a lot of people do, then Plus is only a big plus out of your pocket.
A nice new feature would be that with a Plus membership, on Home, it would equally earn itself back like on Playstation Network.
Re: [POLL Feedback Thread] Home 1.75
I think the main question here should be why is it every time we get a core update it comes with so many bugs? Do you guys beta test any of this? Or do you feel like that's our job as Open Beta Testers?
Folding@home Team #118000
- « Previous
- Next »


text:
Fairey Seal
Photo Code:
WKP-Fairey Seal
Fairey Seal of No.821 Squadron from HMS Courageous (Before 1957)
Royal Navy Photographer
Original size:
650 x 293 pixels
21 June 2013 @ 08:04 UTC
Author Link:
This artistic work created by the United Kingdom Government is in the public domain. This is because it is one of the following: 1. It is a photograph created by the United Kingdom Government and taken prior to 1 June 1957; or 2. It was commercially published prior to 1963; or 3. It is an artistic work other than a photograph or engraving (e.g. a painting) which was created by the United Kingdom Government prior to 1963
Fairey Seal
Register to get instant access to 5 free image download per dayREGISTER
and get a free UTC desktop widget
Images have been resized to suit the website without any damage or loss of quality. Fast Aviation data does not endorse the authors or the linked website on the displayed image on this website. Fast Aviation data can not authorize the use of any images contained in linked websites. Users have the responsibility to assess licenses and the requirements of the author and the linked website. We strongly recommend that you review the policies of any outside links you visit in relation to these images.


text:
8 internautes sur 8 ont trouvé ce commentaire utile
Wonderful ukulele book,
Ce commentaire fait référence à cette édition : Ukulele For Dummies (Broché)
I have bought a few ukulele books, but up until now, have only found books with a teeny explaination on technique, a few chords and then you're on your on to figure it out. This is very frustrating I find, especially when learning by oneself.
This book is different; it covers basic technics thoroughly explaining them and progressively goes on to more complicated techniques. Thus you can learn basic strumming patterns to advanced picking. The book also covers music theory and different music genres.
The writing style is simple and acessible with humour - very enjoyable.
Ukulele for Dummies also comes with a CD so as to listen to the songs and strums covered in the book.
Contrary to other self teaching ukulele books, in Ukulele for Dummies, you are explained and shown through pictures how to hold your ukulele and position your fingers to make the chords. The strums come with an explaination as to why you would play that way instead of another way. The book also gives tips on how, where and which ukulele to buy; how to take care of the ukulele, importance of the strings...
The only draw back I can find, is the the book should come with a DVD instead on a CD. Some techniques are hard to describe (like the chunk) and I found it easier to learn that technique through videos.
I enjoy this book very much and in my opinion, it should be on every ukulele player's shelf - whether a beginner or confirmed player.
Aidez d'autres clients à trouver les commentaires les plus utiles
Détails de l'évaluation
(5 commentaires client)
3 étoiles
2 étoiles
1 étoile
Classement des meilleurs critiques: 416.585


text:
Chapter XIV: In Deep Water (14/14)Mature
Sayara heard her from behind, spun around with eyes full of fear and shouted, 'get out of there! There's something down -,'
'Aaah!'Laguna screamed as the hand gripped her ankle and dragged her down. They all watched frozen in terror as she disappeared below the surface, the water thrashing around her as she struggled. She came up for a moment, 'HELP!'Then she was gone.
'Laguna!' shouted Sayara, hurrying to the edge only to be pushed back by Erin.
'No. Stay back,' she ordered, fighting out of her coat and preparing to leap in herself.
'Look!' screeched Tayna, pointing to the edge nearby, and they saw that ice was forming, crackling as it spread at an unnaturally fast pace, not paper thin, but as thick and solid as stone. Silex held out his hand, power emanating from his fingertips. The ice cracked, splitting into segments, but moments later it magickally sealed back together.
Tayna drew her wand from her coat pocket, pointing it at the lake and shouting 'uchikudaku!' Where she'd aimed, a hole was blown through the ice, which was at least a foot thick. Water spurted from between the crack, turning to ice and fixing it like glue, rising through the hole and plugging it.
'What do we do?' Andrel asked, his voice fast with panic.
'I - I don't know,' Erin spluttered, shaking her head with disbelief at everything that was happening. Nearby, they could see Laguna, bashing on the ice, her palms white and pressed against it, unable to break through. She called out to them, but her voice was soundless.
Will felt power surging through him, lifting him to his feet and forward, onto the ice. It didn't tremble at his weight, against it he seemed to weigh nothing. The skin of his feet peeled from the surface, stinging red raw, but he paid it no heed as he sank to his knees beside Laguna. He watched as a pale, grisly hand snaked up from behind her, clamping over her mouth and digging its nails into her cheeks to proclaim its ownership. A second arm, swathed in black with the sleeves torn and fraying wrapped around her throat, forcing a stream of bubbles from her lips. Will raised his arm aloft, a word he had never known sounding in his own voice.
Slowly, he felt something materialise in his hands, something metal that grew larger to fit his fist. It extended in a swirling spectrum of colour, pointed at the end, and Will struck down just as it fully materialised. The spear was made from pure silver, the end so sharp that it broke through every inch of ice. Chips appeared around the entry point, turning into cracks that spread faster and grew larger until the ice collapsed beneath him.
Will looked down as the ice cracked across Laguna's terrified face, but as it split apart, so did she. The water shimmered with a strange, white glow as the ice tipped and he fell between. He expected to be dragged unprepared under the water, but his knees hit the bottom quickly, water surging up his nose and no further.
He turned, still able to see everybody on the grass, watching him with consternation. The spear was held loosely in his hand, the tip stuck into the ground, the lake had become just a couple of feet deep.
Laguna was nowhere in sight.


text:
Villa in the hills above Ladera del Mar, near Nerja, Spain - 'La Vida Tranquila' - Privacy, close to nature & 10 Minutes walk to the beach
Al Ladino is our little treasure, three kilometres west of the small town of Nerja and some 45 minutes drive east of Malaga airport, it's just 5 minutes from the beach and 7 minutes by car from our favourite restaurants in town. But we really chose Al Ladino for its understated charm, tranquility, breathtaking views of the mountains, and panoramic vistas of the coastline and town below us. From its elevated position a third of a way up a hillside, Al Ladino sits next to the last remaining pine forest in the area, a protected landscape for now and the future. This is the best of both worlds, 'la vida tranquila', the peaceful life, where the air is clean, the birds sing and civilization is not too far away as you relax in the private sun kissed south facing pool. Al Ladino is a charming terracotta roofed 'casa de campo'. Many people don't know it exists, but local Spanish people who've seen it says it's 'preciosa' - priceless, lovely, gorgeous … so beautiful it's incomparable!
Top Traveller Review
Fantastic stay at al Ladino
About the Owner
About The Owner
I lead a small team of local people managing these two authentic rustic homes close to the sea. Al Ladino www.alladino.com & El Monte Bajo www.elmontebajo.com These honest & welcoming properties are close to nature & typically such properties are only found deep in the countryside but Al Ladino & El Monte Bajo have something unique, unbroken panoramic sea views. They're close to nature - a world away from busy over-developed tourist resorts. There is internet if you need it. The gardener is in his 25th year, the maintenance team are newcomers having started in 2006. They love looking after Al Ladino & El Monte Bajo so you enjoy complete peace & privacy. If you've special needs tell us, whether it be 'lunch' prepared for you on the patio, a need for organic food, just ask. Bienvenido.
Why The Owner chose Axarquia (Costa del Sol)
We wanted to be in a Spanish environment without fear of hearing the English language spoken and we found it here. The property is unique - a little treasure providing privacy in a stunning environment close to nature but also just 2 minutes from the beach and only minutes from Nerja, with its old Moorish streets, and tens of bars, restaurants and Spanish life. Our Spanish maintenance team have been with us years and long may it continue...
What makes this villa unique
This is an opportunity to experience life in special location, squirrels, birds & frogs abound as do the overwhelming sweet aromas of the vegetation - heart stopping views of the Sierra Almijara mountains and the coastline below.
7 Reviews
4.9/5 -
(7 traveller reviews)
Fantastic stay at al Ladino
Just enjoyed a great week at al Ladino, relaxing in the sun and cooling down in the pool. This villa has everything you need or want from your holiday accommodation and cannot be faulted in any way. Danny provided really helpful information ahead of the stay to ensure we found the villa easily and suggested good places to eat and best beaches in the area. The villa has been finished to a very high standard and I am happy to recommend this to anyone for their holiday accommodation.
Beautiful and well equipped villa in the hills
Al Ladino exceeded our high expectations in every respect. Set in the hills just outside (and with a breathtaking view of) Nerja, Al Ladino is local but secluded and feels very safe indeed. The villa was immaculate in terms of cleanliness and had great water supply and pressure and the much needed broadband internat connection which was able to support streaming. The garden was thriving for such a climate and, with the pool, was maintained throughout our stay by the friendly locals. We had a fantastic stay and this was in no small part down to this beautiful little villa on Costa del Sol.
Al Ladino, Nerja
Fantastic views over Nerja, the sea and the mountains, a very special place to stay which we found truly breathtaking. The house is very traditional with a lovely designer flare. The garden area is very beautifully landscaped with banana plants, lemon and palm trees. The pool is very family friendly and has a great patio area with lots of sunny and shady areas. At night the lighting is beautifully atmospheric which meant we sat out every evening. Danny, the owner was very prompt in repaying the deposit and has been great at keeping in touch throughout. The instructions on finding the house are very detailed. We would definitely book again.
Lovely and quiet with great views
The whole experience of booking the villa, the information, directions, hints and tips was fantastic. A welcome pack of super fresh fruit, cheese, bread etc on arrival meant we were able to chill out before venturing into town. Some good supermarkets and MAS had an excellent fresh fish counter. We also went to the weekly market. All the bars seemed to offer free tapas with a beer, which was most enjoyable. Our favourite bar was slightly out of the town centre - Las Ninas.
The villa itself was just lovely, clean, fresh and airy. Sitting out on the terrace there was a wonderful view of the mountains in the distance and Nerja below. It was so peaceful (just the birds and a peacock), just what the doctor ordered. Pool and sunbeds, shady area if preferred. We cooked a fair amount and the cooker etc was great.
We had some nice day trips, particularly special was Granada and the Alhambra. Also Ronda and a day driving through the mountains and little villages were great.
The villa is a drive out of town, so not ideal if you want to wander out for a drink or something to eat but if you are looking for peace and quiet in a beautiful, it really fits the bill and so it was just what we were looking for. We had a wonderful, relaxing time.
Al ladino nerja
A little paradise in the hills stunning views nerja town and Mediterranean . Beautiful villa well equipped kitchen. Relax by the pool or patio. Recommend car 10 mins drive to nerja town easy drive. Bus stops convenient. Can't wait to go again .
We want to live there!
From the first contact with owner Danny to the prompt return of our deposit, our experience at Al ladino was amazing. We echo everything that people have already said. It is very easy to get to (by car) and the directions are incredibly detailed, with photos. The instructions for the house itself are detailed and reassuring so that your relaxation begins even before the holiday. The property is charming - well positioned above Nerja, clean, comfortable and very, very private. The weather was reasonable and we swam every day, having to force ourselves to leave the stunning views for a few hours to explore the local area. This is one of the best properties we have stayed in anywhere and we will definitely return in the near future. Thank you, Danny, for sharing this gem of a property with us.
From the Owner
"We wanted to be in a Spanish environment without fear of hearing the English language spoken and we found it here. The property is unique - a little treasure providing privacy in a stunning environment close to nature but also just 2 minutes from the beach and only minutes from Nerja, with its old Moorish streets, and tens of bars, restaurants and Spanish life. Our Spanish maintenance team have been with us years and long may it continue..."
Activity and Interests
Special interest holidays:
Siteseeing, walking, cookery classes, eating and drinking.
45 minutes from Malaga airport, 75 minutes from Granada airport and 2 hours from Almeria.
Nerja - 7 minutes, Malaga centre 40 minutes, Sevilla and Cordoba, both about 2 hours, Granada 1 hour 15 mins.
Further Details:
Full details of the property are contained on our 'Al Ladino' website at www dot alladino dot com See the link further down this web page on the right hand side where it says ' 'Owner's website, click here' or do a web search for us in google or youtube.
Prices and Availability
Rental rates
|Rental Period
|Minimum Price
|Additional Nights
|Weekend Night
|Event Price
1 May 2017 - 31 May 2017
7 night minimum stay
for 7 nights
1 Jun 2017 - 15 Jul 2017
7 night minimum stay
for 7 nights
16 Jul 2017 - 31 Aug 2017
7 night minimum stay
for 7 nights
Additional pricing information
|No additional mandatory fees
Booking Notes:
Booking arrangements confirmed by email - a booking form will be sent to you which you can email back, payment details are 50% payment with reservation and the balance eight weeks prior to your stay.
Changeover Day:
Notes on prices:
Prices are for the property per week in UK pounds.
The villa is available throughout the year. Please visit our Al Ladino website for more photos & videos, click the link below which says ''Owners Website' or use your search engine with the words 'Al Ladino Nerja'.
Owner's Cancellation Policy
- 12
- Available
- 12
- Unavailable
From the Owner
"This is an opportunity to experience life in special location, squirrels, birds & frogs abound as do the overwhelming sweet aromas of the vegetation - heart stopping views of the Sierra Almijara mountains and the coastline below."
Property Type
- villa
- Away From It All
- Family
- Romantic
- Ceiling Fans
- Fireplace ...
- Hair Dryer
- Heating
- Internet
- Iron & Board
- Linens Provided
- Living Room ...
- Parking
- Towels Provided ...
- Tumble Dryer ...
- Washing Machine
- Wood Stove
- Coffee Maker
- Dishes & Utensils
- Freezer
- Kitchen ...
- Oven
- Pantry Items ...
- Refrigerator ...
- Hob
- Toaster
- Dining ...
- Dining Area
- Satellite / Cable ...
- Television ...
Pool / Spa
- Private Pool
Onsite Services
- Private Chef
Location Type
- beach
- rural
Floor Area
- 1200 sq. ft.
- Ensuite 2 - Shower room - Toilet, Shower Enclosure
- Patio shower - Outdoor Shower, Next to the pool in the corner of the sun patio
- Ensuite 1 - Bath & Shower room - Toilet, Bath with Shower, Shower Enclosure, Two sinks, a stone bath, a large walk-in shower
- 2 Bedrooms, Sleeps 4
- Spacious master bedroom (ensuite) - 1 Extra Lg. Double Bed, Super king sized bed in spacious room with views of the sea
- Double Bedroom (ensuite) - 1 Double Bed, Bedroom with ensuite shower room
- Description of sleeping capacity: Sleeps 4 (2 Bedrooms) Both bedrooms enjoy unbroken views over the the mountains and sea with a pool & sun patio close at hand. Both bedrooms have their own private 'ensuite' facilities & are furnished with careful attention to detail using reclaimed timbers, local stone and natural fabrics to capture the environment of rural Andalucia but with the convenience of being close to the sea. See video at www alladino com
- Balcony ...
- Terrace ...
- Garden ...
- Barbecue
- Self-catering
House Rules
- Max. occupancy: 4
- non smoking only
- Notes on accommodation: Cots and highchairs can be organised, if you have special needs, please ask. This villa is sometimes available for longer winter lets. Outside: The property enjoys two sun patios for 'all day sun', a private pool, an outdoor barbecue and shower. For full details, please visit our website at www.alladino.com or search for the words 'Al Ladino Nerja' in google & on Vimeo. Cleaning / Towels / Linen / Maid service: Bathroom towels are included together with bed linen, please bring your own towels for sunbathing and visiting the beach. A chef can be available to prepare a authentic meal for me.


text:
A neighbor with a handgun shot a Las Vegas woman dead in her doorway and snatched her young son before a shot was heard and the bodies of the gunman and boy were found dead in the man's house two doors away, police said Friday.
The boy was under age 10, police Lt. Dan McGrath said.
The woman's daughter escaped to another neighbor's home to summon police.


text:
Effective July 1, 2016, LSU Parking & Transportation Services (PTS) will increase tow rates to comply with rates and policies established by the Louisiana Public Service Commission (LPSC). LPSC governs all rates as it applies to the towing of vehicles that are in violation of PTS' rules and regulations. Click here for specific information regarding these rates. Direct any questions to email@example.com.
Towing and impoundment charges must be paid in cash or check unless other arrangements for payment are approved by the Office of Parking & Transportation Services or the Office of the Vice Chancellor for Finance & Administrative Services (or his designee).
Checks are accepted from faculty, staff, or students with proper identification. For specific questions, call (225) 578-5002. If you are a student who has had a payment deferred, you MUST return to make your payment BEFORE your deferment time and date.
Please stop by the Public Safety Building to make your payment and collect your vehicle from our impound. We are able to release vehicles 24 hours a day, 7 days a week.


text:
Not sure what career to choose? Contact us
Course Number: CPP30211-01V02
This course is for people/learners who want to acquire the skills needed to provide support to the functional areas within either a real estate/property agency or a stock & station agency. Completion of the course will enable you to satisfy the training requirements to apply for a certificate of registration issued by the NSW Office of Fair Trading (OFT) to work in the real estate or stock and station property sector.
North Coast TAFE wants you to know that while this qualification has no formal entry requirements, we do want you to succeed, so we are providing information about the skills and knowledge that would help you complete this qualification. You do need to have, or be able to attain, a level of literacy and numeracy that will help you complete your course and ultimately to work in your chosen field. Students who complete this qualification level will have developed a range of technical and communication skills that will enable them to complete mostly routine tasks and interpret and act on information available to them. They will provide solutions to predictable and sometimes unpredictable problems and in a work setting may take some responsibility for the work of others.North Coast TAFE can provide support for reading, writing, maths and English Language. If you would like to know more about our support options please contact us.
Real estate agency support staff
A TAFE NSW Certificate IV or Diploma could give you up 6 to 12 months advanced standing in a university degree and some Advanced Diplomas offer even more credit.
Choosing a TAFE to University Pathway at North Coast TAFE is a great way to get practical 'job ready' skills and then gain entry to a university at an advanced stage.
More information can be found on our TAFE 2 uni page on our website.
Why study something again if you already have the skills and knowledge? Recognition of Prior Learning (RPL) is about helping you get your qualification faster and getting you to where you want to be!
Working with one of our RPL assessors we'll review your life and work experiences as well as any previous study you may have done to confirm just what we can match up with your current course of study.
Note: Some short, licensing or compliance courses, eg Food Safety for Supervisors or First Aid are not granted RPL as demonstrated competency is required by regulatory authorities.
Find out more about RPL at North Coast TAFE
Thank you for your interest in this course. To register your interest, contact us.
North Coast TAFE offers a wide choice of courses, some that attract government subsidies and some that do not. The fees payable will vary, depending on your personal circumstances, your study history and the course you choose.
Your government subsidised fee, and your eligibility for concessions, exemptions and scholarships, are all calculated and confirmed during the enrolment process.
The 2017 subsidised fees indicated on this page are indicative only and based on 2016 fees. The state government may make some small changes to fees and subsidies for 2017 enrolments and we will update our site if and when that happens.


text:
|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Jonathan Ellis <jbel...@gmail.com>
|Re: date range queries
|Wed, 16 Dec 2009 21:18:57 GMT
You can either write a TimeUUID Partitioner, if that is the only kind of key you have in your cluster, or use a different partitioner and prefix the keys w/ a date in a format that sorts correctly in whatever collation you are using, e.g. ISO 8601 for our standard OrderedPartitioner. On Wed, Dec 16, 2009 at 1:08 PM, Richard Grossman <email@example.com> wrote: > I've the same requirement but in my case the date is the key of the CF so > how to use the timeUUID if the date is the key and not a column ?? > > > On Wed, Dec 16, 2009 at 8:29 PM, Jonathan Ellis <firstname.lastname@example.com> wrote: >> >> On Wed, Dec 16, 2009 at 12:15 PM, Adam Fisk <firstname.lastname@example.com> wrote: >> > That call made sense for columns, but not for SuperColumns of course, >> > and that was the culprit. Ideally the various slice calls would do a >> > quick check to make sure both the SlicePredicate and the ColumnParent >> > are either both referring to SuperColumns or are both referring to >> > Columns and fail fast if not, but now I'm just nitpicking. >> >> That is a good suggestion. Can you create a ticket? >> >> -Jonathan > >
|View raw message


text:
By Smart Property
Self-managed super funds (SMSFs) is one of the ways Australians can save for their retirement. The one major difference between SMSFs and other types of retirement funds is that SMSF members are also the trustees of the fund. In short, the members themselves actually run it for their own benefit, but must comply with specific super and tax laws. According to the Property Investing Australia Group, it is possible to purchase property with an SMSF, but the member must adhere to SMSF property rules.
1. Consider the Rules before Using Super to Buy Investment Property
As mentioned earlier, there are smsf property investing rules that members must adhere to and should be considered to help them to determine whether or not a SMSF is the right thing for them. For example, if you were to use your super to purchase an investment property, it must not be lived in by a fund member or any other fund members' related parties. Check out the Australian Taxation Office's website on self-managed super funds to get a better understanding of the rules and regulations.
2. Understand All of the Costs First
The costs involved are an important thing to consider when buying property through SMSF. In general, SMSF property sales tend to have a lot of fees and charges; consequently, the fees do add up and will reduce the balance of your super.
Understand all of the costs involved before signing up including the following:
· Upfront fees
· Legal Fees
· Consultations Fees
· Stamp duty
· Any Ongoing property management fees
· Finance and/or Bank fees
Having a sound investment strategy will ensure that you get off on the right track right from the start.
3. A Note on Borrowing
Borrowing is a possibility, but much like other aspects of SMSF property investing, there are rules. Borrowing can only be done under very strict circumstances called a "limited recourse borrowing arrangement". With this strict borrowing option, there are risks involved.
These risks can include:
· Higher cost – SMSF property loans are usually more expensive.
· Difficult to cancel – If your contract has not been properly set up, you may not be able to unwind this arrangement, which could cause potential losses to your SMSF.
· Property Alterations Are Not Allowed – Until the loan is paid off, no changes can be made to the property if they change the property's character in any way.
· Possible Tax Losses
· Cash Flow – Payments are to be made from your SMSF which means your fund must always have sufficient liquidity and cash flow to make the payments.
When buying property through smsf you must always consider the risks involved.sthash.6cqpNWac.dpuf


text:
L&P launches Virgin Mattress online contest
There are 13 comments on the Furniture Today story from May 4, 2010, titled L&P launches Virgin Mattress online contest. In it, Furniture Today reports that:
To promote its new VertiCoil Edge innerspring, Leggett & Platt is launching a national contest for consumers.
Join the discussion below, or Read more at Furniture Today.
United States
#1 May 5, 2010
a truly sad state of affairs. this is nothing short of letting frat house bar bums run your marketing department. not sure this is how this company used to be one the nations most admired companies. clearly management has lost their collective minds!
#2 May 7, 2010
I'm stunned! Can't understand what was going through Dave's mind to ok THIS TYPE OF MARKETING! THAT COMPANY IS BETTER THAN THAT! The old guard would have never gone there and they can do better. Shame, shame!
#3 May 7, 2010
The first Webisode was really funny, and would have attracted attention.'Keep up or step aside. Marketing today is not the same as yesterday. In fact, pulling the webisodes will probably create more demand for them...or is this yet another marketing ploy?
#4 May 8, 2010
swengner- As you would probably say "whatever"! It's moral decadence! Pepsi did something very similar a couple years ago with an iPhone AP about picking up girls and same thing happened. People got fired over it....sweetheart, and it's not about the marketing vehicle..it's horribly bad theme.
#5 May 10, 2010
Ok As THRILLED as I was to see a company in the mattress industry utilize the power of social media , I, too, was appalled by the CONTENT shared at the Bedding Conference.
The idea of creating an ongoing webisode format was interesting, although a bit outdated from a social media standpoint. The edginess of the production was really good. The message, however, was extremely offensive to many in my older demographic as well as many in the younger demographics who attended the Bedding Conf both male and female. Does the industry need to utilize social media channels? Absolutely! Are webisodes one great way to do it? Again, a bit outdated, but they can be quite effective. Does the message need to center around hooking up and all that is really troubling about the X/Y generations? Come on - we can do better!
The focus of the conference was to introduce a male industry to the way the female mind works in regard to making important retail purchasing decisions. The content of the webisode not only was completely inappropriate, but also not a great way to start a Conference entitled "Its All About Her." As Bridget Brennan tactfully commented, "I thought it was directed at men."
This industry does need to step into the 21st century and shake it up - a lot. Please, just not this way.
#6 May 13, 2010
Are you saying that the X/Y generations are somehow less moral or ethical than past generations? Didn't the baby boomers live through the sixties? I agree that there are some troubling issues going on right now, but I don't think that they center completely around the X/Y generations.
#7 May 13, 2010
Speaking on behalf of all concerned Leggett & Platt employees who are afraid of speaking out for fear of retribution, we are embarrassed that our employer put something out there that is so degrading to women and offensive to so many. The Virgin Mattress Marketing campaign was a very misguided effort to be cutting edge and it backfired. Can't believe this went public. The language was disgusting and the images totally inappropriate. Leggett & Platt refers to it's employees as "partners" yet to date, no statement of apology has been issued to the "partners" of Leggett & Platt which makes us wonder if the management team thinks this is no big deal. The buzz at the L&P water cooler is disbelief at how passive management has been concerning damage control. It's as if the concerns of L&P "partners" are discounted and not that important. Management obviously wants us to feel that we are the bad guys for voicing our concerns over this marketing snafu. When will L&P truly be "partners" with their employees. We're waiting for the opportunity to feel connected to our company and take pride in our public image.
#8 May 14, 2010
To Leggett Partners: If your management was not listening to you they wouldn't have pulled the project.
As for anyone that wants to say that female or consumers feel that it was in bad taste what is your opinion based on? How many people are you talking to? How diverse is that sample? Are you saying that you speak on behalf of all women/boomers REALLY? Let's be clear...this is YOUR opinion which you are entitled to but don't be so arrogant to assume you know the opinion of the consumer unless of course you have done some kind of research to support that.
As for those on their morality high horse, I would love to see what you record on your DVR and what kind of movies you watch.
#9 May 14, 2010
I am offended that SellingMyStock believes that due to my opinion, I would use phrases such as "whatever". I am a 44 year old married woman with a 22 year old daughter. I have a college education and 20 graduate hours.
People who are supposedly offended by the X/Y generation and open discussions about sex are hypocrites.
This add wouldn't have made even ripple on prime time television in Europe. American's create perversity through denial of human nature.
I don't understand why people degrade generation X and Y. They are the offspring of Baby Boomers, so who is responsible for the way they behave? They are more dedicated to their causes than previous generations and because of social networking are quickly and easily mobilzed.
I hope the webisodes come back. When couple think about buying a bed, two things are in the forfront of their minds. One of them is sleep.
#10 May 15, 2010
To Give me a break: No. I am not giving you a break. I'm not giving you my business, in this or ANY of your markets. Yes, I said you. You speak like a true company man.
"If your management was not listening to you"? Give ME a break! You listened to them because they are a cross section of your market. You may be immoral, but you're not entirely stupid. You think you're on the BBQ now, thank your employees for checking you. You have your characters using terms like "laying pipe" and "rogering a bird". Do you speak that way to YOUR wife? To your mother, daughter, sister? Of course you don't because it's crass, immoral and very degrading to women!!
I have great respect for the average American woman. Every woman I know who saw this video was disgusted, as was I. Yes, this is MY opinion that I am entitled to, but I'm not entitled to YOUR OPINION in my family living room. Who's being arrogant? It is you, and you show a grave disrespect for women everywhere. I am just an average man, a major part of your market, and I was enraged at what you were doing to women. Give ME and America a break!! Resign your upper level position, whatever it is.
#11 May 16, 2010
This add was not intended for living rooms. The guys in the video were not speaking of "laying the pipes" to their significant others. They were shooting the breeze with each other, over a couple of beers.
I saw the webisode. I am a woman, I was not disgusted. I was amused.
I cannot understand what some of you mean by immoral.
Neither sex nor the discussion of it are immoral.
Because some uptight investors threw a fit, the web adds were pulled.
Perhaps the company should put labels are their mattresses stating: "These mattress are intended for sleep ONLY. Any sexual act committed on this bed will be viewed by some of the company's investors as 'immoral'. Do not remove this tag under penalty of law."
The new adds could play to moral individuals. Perhaps couple could be portrayed sleeping in separate twin beds. This way L and P could sell more mattresses, and no one would be trampling all over decent people's rights to tell everyone else what is moral, or degrading.
#12 May 19, 2010
Very sad state of affiars if this is the best that can be done for marketing. If this is the image of the company going forward I am sure that Leggett will never see the 2 dollar dividend Haffner said that Leggett will be be paying in the future.
#15 Oct 27, 2010
The first episodes of the Virgin Mattress, released back in May, were supposedly created to appeal to women. In fact, it degraded women and was immediately pulled after all of the negative feedback. The new episodes, released in October, appear to target the Corny People of the world. Congratulations to the Leggett & Platt Marketing Department. You have gotten our attention in Corny World. Me and my Corny friends love it. We are typically 15 to 20 year old males and we love corny stuff like flicking buggers and stuff. If we ever buy a mattress, I can assure you it will probably be a Virgin Mattress from your company. We really enjoy how the episodes seem to go nowhere with no serious content. Me and my corny friends don't like serious and we certainly don't want to think too hard. Thanks again for your hard work and targeting our group. There is just simply not enough corny stuff out there for dudes like us. You should all get a raise.
Tell me when this thread is updated:Subscribe Now Add to my Tracker
Add your comments below
Leggett and Platt Discussions
|Last By
|Leggett & Platt promotes two locals (Jun '06)
|Jul '14
|so are
|Leggett & Platt Inco Given "Neutral" Rating at ... (May '13)
|Jul '13
|troubles with remote and controller (Apr '12)
|Apr '12
|Leggett & Platt donates $100,000 to shelter hel... (Mar '12)
|Mar '12
|I know
|No-Sag plant achieves EFEC environmental standard (Nov '11)
|Nov '11
|SD Office Furniture
|Top After Market NYSE Losers (Oct '11)
|Oct '11
|Midwest CEO Says Too Early for Hiring (Jul '11)
|Jul '11
|no wonder
Find what you want!
Search Leggett and Platt Forum Now
Copyright © 2017 Topix LLC


text:
Twins place Joe Mauer on 7-day disabled list
DETROIT (AP) -- Minnesota Twins star Joe Mauer has been placed on the seven-day concussion disabled list after he experienced dizziness during his pregame route and was scratched from the lineup against the Detroit Tigers.
Twins manager Ron Gardenhire says he's glad the concussion list is available to help players in these cases.
Justin Morneau was shifted from designated hitter to first base to replace Mauer in the field. Outfielder Chris Hermann moved up to hit second in Mauer's place in the lineup.
Mauer is hitting .324 with 11 homers and 47 RBIs for the Twins, who sit in fourth place in the AL Central.
Minnesota beat Detroit 6-3 on Tuesday night.


text:
SET 1: AC/DC Bag > NICU, Gotta Jibboo > Punch You In the Eye > Sparkle > Bathtub Gin, Character Zero > Tweezer -> The Horse > Silent in the Morning, Run Like an Antelope, Mustang Sally[1], Bobby Jean[2] > Glory Days[2]
SET 2: Rock and Roll -> Light > 46 Days, Limb By Limb, Farmhouse, Backwards Down the Number Line > Prince Caspian, First Tube
ENCORE: Suzy Greenberg > Tweezer Reprise
Add a Review
Trey Anastasio Band: May 28, 2017
1 day ago
Three Sisters Park
Set 1: Gotta Jibboo, Mozambique, Sand, Soul Rebel, Drifting, Burlap Sack and Pumps, Cayman Review, Curlew's Call, Magilla, Money, Love and Change
Set 2: Night Speaks to a Woman, Ocelot > Valentine, Plasma > Liquid Time -> Midnight Rider[1] > Dark and Down, Simple Twist Up Dave > Goodbye Head, Mr. Completely > First Tube
Encore: Clint Eastwood > Push On 'Til the Day, The Parting Glass
[1] TAB debut.
Phish.net is a non-commercial project run by Phish fans and for Phish fans under the auspices of the all-volunteer, non-profit Mockingbird Foundation.
This project serves to compile, preserve, and protect encyclopedic information about Phish and their music.
Credits | Terms Of Use | Legal
The Mockingbird Foundation is a non-profit organization founded by Phish fans in 1996 to generate charitable proceeds from the Phish community.
And since we're entirely volunteer – with no office, salaries, or paid staff – administrative costs are less than 2% of revenues! So far, we've distributed over $1,000,000 to support music education for children – hundreds of grants in all 50 states, with more on the way.


text:
Find a copy in the library
Finding libraries that hold this item...
|Material Type:
|Document Type:
|Sound Recording, Computer File
|Music Type:
|Popular music; Rock music
|All Authors / Contributors:
Avril Lavigne; Evan Taubenfeld; Matthew Brann; Mark Spicoluk
|OCLC Number:
|Rock music.
Enhanced CD.
Lyrics inserted in container.
|Executive producer, Antonio "LA" Reid.
|Avril Lavigne, vocals, guitar; Evan Taubenfeld, guitars; Matthew Brann, drums; Mark Spicoluk, bass.
|1 audio disc : digital ; 4 3/4 in.
|System requirements: Macintosh (System 8.1, PowerPC processor, 500 Mb or greater) or Windows compatible computer (Windows 98, Pentium-II PC, 500 Mb or greater); Windows media player; Sound Blaster or compatible sound card and speakers; monitor capable of displaying 640x480 screen resolution and at least 256 colors; at least 32 MB of available RAM; 12x or faster multisession-enabled CD-ROM drive; Internet connection with Internet Explorer or Netscape.
|Losing grip (3:53) --
Complicated (4:05) --
Sk8er boi (3:23) --
I'm with you (3:44) --
Mobile (3:31) --
Unwanted (3:40) --
Tomorrow (3:48) --
Anything but ordinary (4:12) --
Things I'll never say (3:44) --
My world (3:27) --
Nobody's fool (3:57) --
Too much to ask (3:46) --
Naked (3:27).
|Avril Lavigne.
The debut album by rock singer Avril Lavigne, featuring thirteen songs, including "Complicated," "Sk8er Boi," and "I'm With You."
User-contributed reviews
Similar Items
Related Subjects:(5)
- Rock music -- 2001-2010.
- Musique populaire -- 2001-2010.
- Rock (Musique) -- 2001-2010.
- Rock music.
- Alternative rock music.
User lists with this item (2)
- My Music(28 items)
by LisatheLibrarian updated 2010-11-16
- This is music that i Reccomend to listen to!(12 items)
by bella1twilight updated 2010-10-29


text:
Shields of Faith has not listed any upcoming shows.
Shields of Faith
has not added any videos on Thrillcall.
your dedication by adding one from YouTube!
Copy and paste the video url from your browser's address bar below.
Track Shields of Faith to become the first fan on Thrillcall.com
© 2008–2017


text:
Ecco, Aarhus, Skt. Clemens Stræde 2
Ecco, Skt. Clemens Stræde 2, Aarhus, 8000
Tel: +44-62-26-51-90
Tell us if anything wrong
All done!
The details has been successfully submitted for review. Thanks for using Global Blue services. For any enquiry please contact us here
Failed to submit listings details. Please try again.


text:
Published on Wednesday, 28 April 2010
Yuvraj Singh : Will He...Won't he?
There has been a lot of talk about Yuvraj's form in IPL. When other folks are hitting mediocre attack easily, Yuvi wasn't able to get too far. I guess, it is more to do with coming out on injury more than anything else. Due to injury, you can't work out hard and it affects your weight as you can't control eating anyways! (Especially when you are Yuvi!) :) Taking Punjab captainship away didn't help to his moral either.
The astrological explanation is very simple: He has Shani-Mangal yuti in his horoscope in Kanya rashi. Shani with Mangal does show injuries and inconsistency from time to time (Inzamam Ul Haq one more example).
From Sept 2009, Shani entered Kanya (Virgo) and it is on his horoscope Shani-Mangal. Not the best period for any player. This Shani is also aspecting his Chandra-Raahu yuti (highly temperamental and arrogant yuti) which is testing his temperament QUITE a bit. ONLY way out of PATIENCE and HARD-WORK!!
Of course, GURU changing from May 1st, 2010 WILL CERTAINLY Help Yuvi. He should give MUCH better performance than the IPL 2010. This Guru in Meen raashi will aspect his Mangal Shani and should reduce the intensity of Shani's travel there. Again, Shani's travel does recommend shraddha, saboori and hard work anyways! But this Guru should help him quite a bit.
I am looking forward to some outbursts from Yuvi, from his BAT that is...Aren't you??


text: Again my old layouts... Now, from the album "Two of Mine". I do not have anything to add to the title about this page. My hands are itching to do something new, unfortunately, it's extremely not enough time ... Thank all of you for your looking at my pages and your comments (if you have a time and wishing to do this). Take care and have a very wonderful time!


text: Email is the heart and soul of our business. It drives meaningful connections between our 1,400,000 donors and teachers, and raises millions of dollars for high-need schools across America. We needed to partner with an email service provider that could ensure the delivery of our transactional emails, with minimal engineering overhead, to support the growth of these relationships between citizen donors and hardworking teachers. SendGrid was the only provider that had the email tools, expertise, and platform flexibility to let us put transactional email infrastructure on autopilot so we could fully focus on product and engineering challenges that are unique to our cause. — Oliver Hurst-HillerGo to Case Study ›


text:
Close to the city
I'm writing this using software made in San Francisco. Not Cupertino or Mountain View or Menlo Park, but San Francisco.
For a long time, the city seemed, in terms of technology, to orbit Silicon Valley at a distance: a small bright moon lending grace to the proceedings but never quite participating. The way I heard it when I first arrived in the Bay Area, circa 2005, was that the value chain ran south to north. Start down in Santa Clara and Cupertino with Intel and Apple: hardware. Tromp north to Mountain View (Google) and Menlo Park (Facebook): software. Finally, make your way up to San Francisco for Goodby and AKQA: the ad agencies.
In other words: Silicon Valley was where things were made. San Francisco was where they were sold.
That sketch dates itself. These days, the Bay Area seems more like a star system, binary or better, all the components growing brighter. In San Francisco's resurgent position, there is a chance to realize: it's been part of this story from the beginning.
That's why Ellen Ullman's Close to the Machine is an essential record — as essential as Armistead Maupin's Tales of the City or Jack London's Tales of the Fish Patrol. In her memoir, Ullman captures the San Francisco of the mid-90s, with the first dot-com boom just clearing its throat, preparing to roar. It is a story not only of machines and their programmers (though both are brilliantly rendered here) but also of loneliness and personal reinvention and sex with awkward geniuses.
In other words: It is such a San Francisco story.
Many different kinds of readers will enjoy Close to the Machine, including those who don't know or care much about San Francisco. But for those who do, this book is — I'll say it again — essential. There ought to be a checkpoint at SFO for all the new migrants streaming in to claim a desk at Twitter or Airbnb or their brother's roommate's as-yet-unnamed startup. I'd sit there an hour every week. I'd press a copy into every hand.
Why? Because you read Ellen Ullman's Close to the Machine and you realize: I am not the first. Then you realize: I guess I'm not the last, either. And so finally you think: Maybe I ought to be writing this down…
Read Ullman. Then look around and write it down. I hear there's some good software for that, made right here in San Francisco.


text:
ED Magedson – Founder
Ripoff Report
Razerrazerzone.com Nationwide U.S.A.
Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™
This report was posted on Ripoff Report on 09/23/2008 10:15 AM and is a permanent record located here: http://www.ripoffreport.com/reports/razer/nationwide/razer-razer-mako-21-speaker-system-primary-issue-product-quality-secondary-issue-sel-375334. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
Click Here to read other Ripoff Reports on Razer
If you would like to see more Rip-off Reports on this company/individual, search here:Search Tips
In order to assure the best results in your search:
Advertisers above have met our
strict standards for business conduct.


text:
Festive's 3D Hanging Snowflake Decoration is the ideal way to add some sparkle to your Christmas tree! The 3D effect of this ornament means you get the equivalent of three snowflakes in one! Detailed with fine silver and pearlescent glitter, this hanging Snowflake is truly one of a kind.
Important Features:
Size: 8cm
Colour: Silver
Silver Loop Attachment
More Info
Write Your Own Review
We offer two different delivery options for all of our products (delivery rates and services offered by marketplace sellers may vary):
Receive free standard delivery* on orders of £40 or more.
Standard Delivery (2-6 Business Days) - £3.99
Speedy Delivery (1-2 Business Days) - £8.99
Speedy Delivery (1-2 Business Days) - £8.99
Orders are dispatched Monday-Friday and you will receive an email notification as soon as your items have left us.
For further information on our available delivery options, click here to view our delivery section.


text:
How to Replace an S10 Heater Core?
The heater core on a Chevrolet S10 pickup is a small radiator located underneath the dash on the passenger side of the cab. Heated coolant travels from the engine to the heater core through heater ...
Read More »
How to Replace the Heater Core?
The heater core in your car or truck is crucial on cold winter days to provide heat inside your vehicle. When it breaks down, not only do you not have heat but engine coolant can leak into the vehi...
Read More »
How to Replace the Heater Core in a Geo Tracker?
Replacing a Geo/Chevy Tracker's heater core is a very difficult task. It requires completely removing the instrument panel from the inside of the vehicle to reach the core. If you can't get an expe...
Read More »
How to Replace a Heater Core in a 2001 F-250?
Heater cores are located in the cab of the vehicle. They exchange heat from the circulating coolant in a systematic way. A blower fan passes air through the heater core, taking engine heat and send...
Read More »
How to Replace Heater Core on a Corsica?
Heater coreThis is an easier heater core job than on most cars, that ususally involve removal of the dash.


text:
It only takes a minute to get started. Fill out our simple sign up form and login to the site.
This step is discretionary but will dramatically multiply your chances of your profile being viewed by others. Write a little about yourself, your pasttimes and upload a nice photo of yourself.
Utilise our website's sophisticated search to discover members who satisfy your requirements. Or just flip through listings and discover people that appear interesting.
Discovered someone who looks suitable? Send a message to them or just a wink and see if anything happens. With a little luck you'll be on your way to locating that special someone for you.
It'll only take a few minutes


text:
Cleanse and nourish your skin with this delightfully natural Fruit Emotions bath oil that's sure to leave you feeling relaxed and detoxed. Enriched with vitamin C, this bath oil has the delightful fragrance of coconut with an undertone of tangerine, leaving your skin wonderfully perfumed after every use. Perfect as a gift or a luscious self indulgence, recreate a luxury spa experience in your own home with Greenland Fruit Emotions coconut-tangerine bath oil.
Important Features of Fruit Emotions Coconut-Tangerine Bath Oil by Greenland:
Quantity: 250ml
Fragrance: Exotic Natural Coconut Scent with a Hint of Tangerine
Container: Metal Bottle
Reinvigorating Bath Oil
Other Products Also Available in the Fruit Emotions Range
More Info
Write Your Own Review
We offer two different delivery options for all of our products (delivery rates and services offered by marketplace sellers may vary):
Receive free standard delivery* on orders of £40 or more.
Standard Delivery (2-6 Business Days) - £3.99
Speedy Delivery (1-2 Business Days) - £8.99
Speedy Delivery (1-2 Business Days) - £8.99
Orders are dispatched Monday-Friday and you will receive an email notification as soon as your items have left us.
For further information on our available delivery options, click here to view our delivery section.