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Intuit Inc. (NASDAQ:INTU)
F2Q08 (Qtr End 1/31/08) Earnings Call
February 21, 2008 4:30 pm ET
Bob Lawson - VP, Investor Relations and Financial Planning and Analysis
Brad Smith - President and CEO
Neil Williams - CFO
Scott Cook - Founder
Heather Bellini - UBS
Brent Thill - Citi
Aaron Schwartz - JPMorgan
Vikram Churamani - Lehman Brothers
Scott Schneeberger - Oppenheimer
Philip Rueppel - Wachovia Securities
Laura Lederman - William Blair
Jim McDonald - First Analysis
Ross MacMillan - Jefferies
Good afternoon, my name is Denise and I will be your conference facilitator today. At this time I would like to welcome everyone to the Intuit Second Quarter 2008 Conference Call. (Operator Instructions).
With that, I will now turn the call over to Bob Lawson, Intuit's Vice President of Investor Relations and Financial Planning and Analysis. Mr. Lawson?
Bob Lawson
Thanks and good afternoon everybody, welcome to Intuit's Second Quarter Fiscal 2008 Conference Call. I am here with Brad Smith, Intuit's President and CEO, Neil Williams, our CFO, and Scott Cook, our founder.
Before we get started, I would like to remind everyone that our remarks will include forward-looking statements. There are a number of factors that could cause Intuit's results to differ materially from our expectations. You can learn more about these risks in the press release we issued earlier this afternoon, our Form 10-K for fiscal 2007, and our other SEC filings.
All of those documents are available on the investor relations page of Intuit's website at Intuit.com. We assume no obligation to update any forward-looking statement. Some of the numbers in this presentation will be presented on a non-GAAP basis. The most directly comparable GAAP financial measures and the reconciliation of the non-GAAP financial measures to GAAP are provided in today's press release.
After this call concludes, a copy of our prepared remarks and supplemental financial information will be available on our website. With that, I will turn the call over to Brad Smith.
Brad Smith
Thanks, Bob, and thanks to everyone for joining us. As you read in our press release, Intuit delivered a very solid second quarter with revenue of $835 million and non-GAAP EPS of $0.40. We believe revenue would have been $8 million to $12 million higher without the delays in the finalization of some tax forms and the acceptance of the [e-file] returns by the IRS.
Highlights include 12% unit growth in consumer tax till February 16, driven by TurboTax Online and continued strong double-digit growth in the Payroll and Payments segment after adjusting for sales of certain assets to ADP.
We are experiencing some lower unit growth in our QuickBooks segment than we expected, and overall we're pleased with the results for the quarter and first half and look forward to another year of strong financial performance.
With that I will turn the call over to Neil who'll walk us through the financial details.
Neil Williams
Thanks, Brad. Let me start with a summary of the second quarter's results. Revenue of $835 million was up 11% year-over-year. Non-GAAP earnings were $0.40 per share. On a year-over-year basis non-GAAP EPS was down $0.04 per share, driven mainly by the deferral of $23 million of Protax revenue from the second quarter to the third quarter.
The deferral was driven by changes to our offering that resulted in revenue being recognized as [e- commerce]. Those services were delivered primarily in Q3. On a GAAP basis, we earned $0.34 per share versus $0.40 last year.
The second quarter 2008 results include revenue and earnings from Digital Insight which was acquired in February 2007, and excluded approximately $23 million of Protax revenue that is deferred to the third quarter. Results for 2007 include revenue and earnings related to certain assets sold to ADP in the third quarter of 2007. Adjusted for those items, revenue would have grown approximately 9% in the second quarter and non-GAAP EPS would have been $0.47 per share up 7% from last year.
That EPS growth rate is lower than the revenue growth rate, because revenue is shifting to later in the year but cost remained relatively evenly balanced throughout the year. Consumer tax second quarter revenue of $248 million was up 11% over the period a year ago. Total consumer tax units were up 12% through February 16, driven by growth in TurboTax Online. We're pleased with the results of our early season marketing efforts and with TurboTax unit growth overall.
As expected, all the growth in the category is coming from the web. That said the desktop market is still substantial. We are executing well and we've gained actually 3 points of share at retail compared with the second quarter last year as unit share retail is now 85%. We will issue our next tax unit sales update in March and another in April at the end of the tax season.
Professional tax revenue of $105 million was in line with expectations. The results reflect deferral of $23 million of revenue from the second quarter to the third quarter compared with last year. The results also reflect a decision to discontinue our ProSeries Express product which generated $4 million of revenue in the second quarter of last year.
Total small business revenue grew 3% in the second quarter and 5% for the first half. Adjusted for the sale of favorable assets to ADP small business growth it was 10% for the second quarter and 11% for the first half.
Within small business, QuickBooks revenue of $175 million was up 5% over the year ago period. On a year-to-date basis, QuickBooks revenue was up 7%, 1 point more than first half 2007. Though we are showing growth in the quarter and first half, we have seen a 4 point year-over-year decline in the financial accounting software category in the retail fiscal year-to-date. Our share is up 2 points in retail and we are continuing to grow our online business. But unit growth has been less than expected, and we are adjusting guidance for the QuickBooks segment to reflect current market conditions.
The Payroll and Payment segment has continued to deliver excellent growth with revenue of $138 million for the quarter. Adjusted for the impact of the ADP sale, that's up 16% year-over-year. The revenue growth was driven by 20% growth in payment customers and 4% growth in transaction volume per customer.
Financial institution's revenue for the second quarter was $72 million. The calculated growth rate for this segment is not meaningful because the acquisition of Digital Insight was completed in February 2007. DI's core internet banking business grew slightly more than 9% in the second quarter. Internet banking end user grew 11% and bill pay end user grew 20%.
The growth rate for DI's core internet banking business is slightly lower than it has been due to lower growth and active end users through the first half. Our projection of internet banking end user edge for the second half looks strong. Our other businesses segment revenue of $96 million was up 12% over the year, driven by strong results in our Quicken and Real Estate Solutions businesses.
Moving to the balance sheet. Intuit ended the second quarter with $837 million in cash and investments. Cash flow from operations was $199 million. Capital expenditures were $57 million during the second quarter. This is up from $24 million in the same quarter a year ago. The increase is driven by investments in our new data center and expansion of office capacity to support our growth.
We used $250 million to repurchase $8.2 million shares of Intuit stock during the quarter. As of February 01, we have $300 million in authority for future share repurchases and have a 10b5-1 plan in place to allow us to consistently repurchase stock throughout the year. The previously announced acquisition of Homestead Technologies Inc. closed on December 18, 2007 and is reported as part of the QuickBooks segment as of the second quarter.
Homestead is the leader in website and webstore solutions for small businesses. On December 19, 2007 we announced we had signed a definitive agreement to acquire Electronic Clearing House Inc. or ECHO. ECHO was a leading provider of electronic payment processing solutions including check, debit card and credit card processing, as well as check verification, collection and guarantee services and Automated Clearing House capabilities or ACH.
[To honor] the terms of the agreements, Intuit will pay $17 per share in cash in exchange for each year of ECHO common stock, including shares dissolvable on exercise of options. The total purchase price was approximately $131 million on a fully diluted basis. The acquisition is subject to ECHO shareholder approval and other customary closing conditions and it's expected to close in the first quarter of calendar 2008.
Moving to fiscal 2008 guidance; guidance for 2008 total company revenue is unchanged. Operating income and EPS guidance has changed slightly driven by the following two items. As disclosed in the press release announcing the acquisition of Homestead, the purchase will be slightly dilutive to GAAP and non-GAAP earnings per share for 2008. Including Homestead results we'll reduce 2008 GAAP earnings per share by $0.03 and 2008 non-GAAP earnings per share by $0.02.
Our prior guidance also assumed the renewals of the R&D tax credit. It now appears that tax credit will not be renewed in our fiscal year, and so our effective tax rate will change from 35.5% to 36%. This decreases our non-GAAP EPS by approximately $0.01 for the year. Therefore fiscal 2008 guidance is now revenue unchanged at $3.0 billion to $3.05 billion, which is annual growth of 12% to 14%; Non-GAAP diluted EPS of a $1.56 to $1.58, which is annual growth of 9% to 10%; GAAP diluted EPS of $1.38 to $1.40, which is annual growth of 11% to 13%.
We have also changed our QuickBooks segment revenue guidance from 8% to 12%, and we've changed our growth guidance to 5% to 7% growth to reflect current market conditions. That includes roughly $15 million of revenue from the Homestead acquisition. The change to QuickBooks revenue guidance is not significant enough to affect total company revenue guidance for the year.
We are reaffirming our previous Intuit third and fourth quarter revenue guidance, and providing additional operating income guidance for those quarters. For the fiscal third quarter which ends April 30, we expect the following: revenue of $1.268 billion to $1.293 billion or year-over-year growth of 11% to 14%; non-GAAP operating income of $700 million to $710 million or year-over-year growth of 13% to 14%; GAAP operating income of $644 million to $654 million or year-over-year of 11% to 13%; non-GAAP diluted EPS of $1.31 to $1.34 or year-over-year growth of 16% to 19%; GAAP diluted EPS of $1.23 to $1.26 or year-over-year growth of 18% to 21%.
For the fiscal fourth quarter, we expect revenue of $466 million to $471 million or year-over-year of 8% to 9%, non-GAAP loss per share of $0.05 to $0.03, a GAAP loss per share of $0.14 to $0.12.
With that I will turn the call back over to Brad.
Brad Smith
Thanks, Neil. Before we get to your questions, I'd like to provide some perspective on the second quarter and remainder of 2008, and this year how I feel about the long-term prospects. Let me start with 2008. In tax, we are off to a good start, our focus on ease of use continues to pay off and the improvements we made in our marketing program and our execution has us positioned for another successful season.
We said before the year that we wanted to win at every stage throughout the season playing whistle-to-whistle, wining with [free] and succeeding on the web. And it's still early in the season, but we are pleased with our results. We gained share in retail, and more importantly, we are winning online where we believe future growth will come from.
In small business, the year is playing out a little differently than we expected. QuickBooks units are growing slower than expected, as is the financial management software category. It is hard to say definitely what's impacting category growth, but we believe two factors are playing a role. First, the macroeconomic environment is tougher on small businesses than it has been for some time.
Second, category growth is affected by the marketing efforts of the main players in the category. We are seeing less activity this year from other players, and our own marketing programs are designed to be peaking in the third quarter. What's important to know is, we aren't seeing any competitive or structural changes in the market. On the competitive front, we are gaining share in retail, and we are executing online to bring new users into the franchise.
As for the overall market, the facts remain there are 26 million small businesses in the US, with 6 million new businesses starting each year. 60% of those small businesses still haven't adopted financial management software. We are confident such dynamics will continue to create an attractive long-term growth opportunity for us.
And small business is about more than QuickBooks software. As we discussed before, we view the small business space as an ecosystem space, that leverages stand alone software and related services. While the stand alone software segment is growing slower than expected year-to-date, the services components of the small business ecosystem continue to perform well led by the Payroll and Payment segment. The total small business revenue adjusted for the ADP sales is still growing double digits despite the current market conditions.
Moving to our Financial Institutions business, we are now coming up on our one year anniversary since the acquisition of Digital Insight. With four quarters under our belt, the strategic rationale for this acquisition is as compelling as ever. However, it's clear that we underestimated the complexity of taking DI's offerings to the level where we wanted to be. We have recognized this fact, we are on the right track, we have the right team in place to make progress. if needed moving forward. We are also seeing good growth in our other businesses and that's why I'm confident that we will deliver another good year.
Now let me talk about my longer term perspective, starting with our people. We filled several key positions and now have a fully staffed and strong leadership team in place. Our leaders and all of our employees are focused as we begin the next chapter for Intuit. They are continuing to deliver for customers and they have a contract to deliver another good year.
And looking beyond this year, one of the questions I often get asked is, how our future strategy will differ from what Intuit has done up until now. Well I had a part in developing that strategy and I believe in it. And so a lot what you see will be the same. However, we do recognize it's increasingly becoming a services world, many of which are delivered online. As we continue to nurture our growth engines, you are going to see us apply even more focus on services, which are already nearly half of the company's revenue and are highly profitable.
We also recognize that the world is a dynamic one. It's a world where customer behaviors continue to change. Where and how we get work done is changing, and the geographic boundaries that have confined us in the past are coming down. We will be ready for this change. We are already embracing it today. Social technologies are fueling the way our ecosystem interacts, they are enabling our customers to connect with other customers, accountantss with other accountants, third party developers with other developers and end users, and all with the level of speed and ease that we have not seen before, and we are helping to facilitate that dialogue.
We are also observing the evolution of the work place and the computer. Mobility is evolving from a work place luxury to a business necessity, and the computer is moving from the tops of our desks to the palms of our hands. Our leaders and more importantly our engineers are actively assessing the implication and opportunities to this trend for our customers.
And finally we're seeing the borders of the traditional business landscape come down. Whether it's employing great talents across the globe as evidenced by our own recent expansion of our R&D team in Bangalore, India, or the fact that many of customers are already doing business across the world, new opportunities are emerging in other markets and we will find new ways to embrace them.
I am excited about what lies ahead for all of us and I look forward to sharing our plans to win in this changing world as the future unfolds. But I'd like to close by bringing us back to why I am excited about today. We have three strong growth engines, and we are as confident as ever about the growth that we see in them. Our categories remain under penetrated, and we will continue to grow by offering better ease and value in alternative solutions. I feel good about this year and about the excellent foundation we have in place, and I see opportunity all around us if we execute well.
Thank you for your support and thanks to all of Intuit's employees who are so focused on delighting our customers. And now I will turn back to Denise for questions.
Question-and-Answer Session
Thank you. (Operator Instructions). Our first question comes from Heather Bellini of UBS.
Heather Bellini - UBS
Hi, excuse me, thank you very much. Brad I was wondering if you could comment a little bit on the type of weakness you're seeing in the QuickBooks market and in particular, what in your view is that the result of? Is it the lack of new businesses starting up because maybe they can't get financing or is there something else that's just causing people – is it just kind of a general freeze in the market?
Brad Smith
Yeah. Thanks Heather. It's actually tough to nail note down definitively. What I would say is the press that you see is the same press we see. Small businesses are out there competing in this market and the small business customers we serve are very much like consumers. And so a lot of small businesses today will operate their business with lines of credit, credit cards, home equity loans- and we know the condition there.
But I also want to be careful, because we are unable to prove any causality with the economy. There is other thing at play. The category is down 4 points. We are the category leader. And I would say that in addition to the fact that we know that some of our marketing efforts are more backend loaded. The other thing is this year as we released our products we put a lot of efforts into making sure we are Vista compatible and quite frankly, that hasn't played out the way we hoped.
So I think we can put a combination of variables together. The economy is definitely one piece of that. Yeah it is showing up in small business sentiment, but once again we are a product that's pretty affordably priced and it's a mission critical [lap]. So I think it's a combination of things that are playing into the QuickBooks segment, for this point here.
Heather Bellini – UBS
Okay, thank you.
Our next question comes from the Brent Thill of Citi.
Brent Thill - Citi
Thanks. Just on the consumer and Protax: are there any hurdles left in some of these certain tax forms that need to be uploaded to not be filed or are all those constraints now removed from the process?
Brad Smith
Hi Brent this is Brad. Actually those constraints have now been removed from the process. As you can see from the results that we've reported, we think there's somewhere between $8 million to $12 million of revenue that shifted from Q2 to Q3, but by and large all the delays that we had seen have already been resolved and now it's just up to the tax-payers to get their tax returns filed.
Brent Thill - Citi
Okay. You don't expect anything as it relates to any other hurdles through the rest of the tax season?
Brad Smith
No, we don't. We know that the $140 million in returns need to be filed sometimes between now and April 15.
Brent Thill - Citi
Okay and just a quick follow-up on the financial institution business. The last three quarters have been sequentially flat. Can you just walk through what you are doing to help reinvigorate the growth rate as it relates to the financial institution business?
Brad Smith
Yes, sure. I would say a couple of things about financial institutions business. As we said before, we think it is a great strategic asset for us and a long-term play. We also continue to see record sales in our pipeline and record retention levels with our customer base. But we also acknowledge that we have some lumpiness right now as evidenced in the second quarter.
If you look at what we see coming up in the back half of the year, we do have a forecast that has guidance that there's a lot more active users on the back half of the year, the pipeline starts to get implemented into actual sales. So by and large, I think that what you see right now is just a process of us having made the acquisition, having the market get comfortable of that fact, and us being able to integrate [DMCs] the business into Intuit and now get into execution mode.
Brent Thill - Citi
Our next question comes from Aaron Schwartz of JPMorgan.
Aaron Schwartz - JPMorgan
Hi, good afternoon. I had a question on the consumer tax business in terms of the timing of filers. I don't know if you have this data historically, but when you've seen a consumer led recession, has their been any impact on the timing of filers whether people look to file earlier for chance to get a rebate.
Brad Smith
You know Aaron, we haven't seen anything to that effect. What we do know is that filers are going to have to get their returns filed April 15. There has been a natural move closer towards the back end of the filing season over the last several years, but nothing that I have seen correlates to the situation in the economy.
Aaron Schwartz - JPMorgan
Okay, thank you. And just a quick follow up on the QuickBooks business. I know you talked about the units being a little below where you expected, but with the sales that you didn't see in the quarter, have you seen any increases in ASPs there, do you have any commentary on that?
Brad Smith
No, in fact what we do in the small business base is we mange it for a life time value, and what we are seeing is still healthy growth with our Payroll and Payments business which is a part of the small business ecosystem, and in terms of ASP we've seen nothing that has jumped out surprisingly.
Aaron Schwartz - JPMorgan
Okay. Thanks for taking my questions
Brad Smith
Okay, thank you.
Our next question comes from Vikram Churamani of Lehman Brothers.
Vikram Churamani - Lehman Brothers
Hi guys just a couple of quick questions. First on tax, pretty solid unit growth there. Did you guys sign any bulk deals this quarter which you guys passed on last quarter?
Brad Smith
You know, Vik, thank you. We actually are feeling pretty good about the results as well. In terms of the bulk deals, as we said, we were going to aggressively go after this deal this year. We had lost two deals last year. The team did just that, they got into the competitive biding process and I was very pleased with the way we interacted in that process. At the end of the day the price came back to a level that we didn't think made economic sense and so we did not get those two deals back, but the better news is despite not getting those two deals you can see the healthy growth rate which reflects pure consumer demand and great execution on the part of Kiran Patel and the team.
Vikram Churamani - Lehman Brothers
Okay, great. And just on the QuickBooks side, I see a new metric you guys put on your fact sheet which is the Free Simple Start Activations. I don't believe it was there before. Do you expect that number to accelerate maybe and what's your assumption in terms of unit growth based off of that number? Because when you kind of back that in, your number is about 3% growth for the simple start category.
Brad Smith
Yeah you know Vik we are early in the game and learning about how free is going to play with small business space. much like over taxed. There is a new number that's a number of people who downloaded a free application and registered. We are liking what we see right now in terms of the free downloads and the [cash] rates but we haven't provided any guidance in terms of what we expect of that particular program going forward.
Vikram Churamani - Lehman Brothers
Okay, great. Thank you.
Brad Smith
Thank you.
Our next question comes from Scott Schneeberger of Oppenheimer.
Scott Schneeberger - Oppenheimer
Thanks, good afternoon. If I could start on QuickBooks, I think Brad you said something about the marketing spend peaks in the third quarter and it was my understanding historically that second quarter has been the strongest quarter. Could you just clarify the timing of the marketing spend on that and what trends you are seeing into the current quarter?
Brad Smith
Yes you're correct that typically there is a fall launch period and we have marketing activities which we did out last year and we did again this year. But in terms of TV and radio and some other incremental advertising efforts, we actually had this scheduled more for the third quarter this year. If you take a look at last year, we came out of the gate actually about a point below where we are at this time a year ago to date. But we have pretty strong back half, somewhere in the neighborhood of 20 plus percent in third quarter and I think 12% in second. So we knew we had a pretty strong roll over and we put some power in the back half to try to make sure we were able to put some strong results in Q3. So that's really what the decision was this year going in to the year.
Scott Schneeberger - Oppenheimer
Okay, thanks. And kind on the same topic but going over to TurboTax. I believe it might have been in the press release, you might have said in the prepared remarks, but I think I heard that there is some increased marketing spend I guess towards the beginning of the season. Could you speak to basically the timing of the marketing budget this year for TurboTax?
Brad Smith
Yes we learned last year that we had played back in the first half, we had held back and we came out in the back half of the season. This year we decided we are going to play with what I refer to as whistle-to-whistle. From the moment we blew the whistle at the start of the season till the end of the game. And so what we do is we put our marketing efforts across the entire season not just the back half, and you can see that some of those results are showing up right now at year-to-date. So the incremental investment which you see is compared to prior year.
Vikram Churamani - Lehman Brothers
Okay, thanks. And just as far as the marketing line item for you guys for the full year, do you imagine that will trend with revenue as I think you said in the past, or might we see an increase this year.
Brad Smith
Yeah, we expect (inaudible) and we expect it to trend as we had said at the beginning in the year.
Vikram Churamani - Lehman Brothers
Okay, thanks. And I believe you've also said R&D should trend a little bit higher- just some background on what you guys are looking into and where you are spending those dollars? Thanks.
Brad Smith
Yeah, this is Brad. We continue to invest on our core code basis to ensure they are fresh and we are able to keep a productive engineering group and release new products that helps small businesses and consumers solve important problems. We are also investing in R&D efforts to make sure that our infrastructure is in place and so you'll see us continue to invest in R&D and make sure that we can be competitive in the market and also be the most productive we could be internally with our engineering groups.
Vikram Churamani - Lehman Brothers
Okay thanks very much. Thank you.
Our next question comes from Philip Rueppel of Wachovia Securities.
Philip Rueppel - Wachovia Securities
Great, thanks very much. Back to consumer tax, now that you've fully deployed the free version, can you talk about what sort of trends are in the mix for consumer tax versus basic premier, pro, etc. Is that above what you had expected or was there any difference that you saw in the quarter, and in sort of the price realized for consumer, is that sort of trending where you thought it would?
Brad Smith
Yeah, thanks for the question Phil. We don't release the mix on the free versus the different skews. I will tell you that we are excited with the program we have in place. We do believe that managing the lifetime value of the customer in tax makes a lot of sense, and right now we are very happy with the results.
Philip Rueppel - Wachovia Securities
Okay. And then just vis-à-vis pricing, any change compared with your competitors, are you seeing any greater price pressure in the consumer tax segment or less this tax season?
Brad Smith
No we are not. We are saying exactly what we have heard at the first of the season and what we expected to play out.
Philip Rueppel - Wachovia Securities
Okay, great. Thank you very much.
Our next question comes from Laura Lederman of William Blair.
Laura Lederman - William Blair
Yeah, hi. Thanks for taking my question, just a few additional thoughts. One is, in the past you guys have said that during economic downturns your QuickBooks business is not impacted. What do you think is different this time versus past economic downturn, and separately how is the on-demand business doing and is that any healthier or has that slowed down as well? And then I have another question. Thanks.
Brad Smith
Yeah, thanks Laura. So first on the economic side, we do see over the long-term that we are resilient to the economic ups and downs. And what typically happens is, when the economy gets tough, larger businesses end up laying off employees and many of them start small businesses, and I think that that's going to continue to play out of the situation as well. That's why it's very hard for us to say that the economy is the only factor impacting QuickBooks.
Yet still [I think] it might be a little different this time as this is more of a consumer led economic downturn, and many of these small business are like consumers, and they finance their small businesses on a credit card, or home equity loan. And so while we don't have any data right now that I can point to that says there is causality, there is enough of a feel here in terms of what we are hearing and seeing in the market to say it certainly played a role in its overall picture.
But long term I would tell you, I believe the viability of the small business market in economic upfront and downturns- this is a great place to be in the market, and we are well positioned.
On the second piece on the on-demand business, we are excited with what we are seeing in on-demand. We are getting very aggressive there. We've had a great offering in the market for many years, we're growing that customer base that continues to grow a very healthy double digit rate, and I think you will continue to see that well in to the future.
Laura Lederman - William Blair
And has that business been slower than you expected, too, or is it really too small to date to really get a sense of trends?
Brad Smith
It's small relative to our over all portfolio, it's large relative to the comparable alternative, significantly larger than any other player in the market and it is performing as we had hoped and we are going to invest in its growth.
Laura Lederman - William Blair
More of a long term to question, you mentioned that you are going to focus more on services going forward, I guess just give us a little bit of sense of what you mean by that
Brad Smith
I sure can Laura. If you think about this small business ecosystem, you clearly see that in this past year Payroll and Payments, now are roughly the same size as QuickBooks software. They are actually growing about three times the rate on a compounded annual growth rate, and so we like these kinds of businesses. We also see that our software to service product lines whether the QuickBooks Online edition or even TurboTax Online continued to grow at a healthy cliff, and we have a new pipeline of products coming out like our standalone Payroll products we released this past fall, and the acquisition of Homestead Technologies. And so those are the types of businesses that we believe as long as they are solving important customer problems, they are great businesses for us and we are going to continue to invest in those businesses if the customer begins to adopt these types of services.
Laura Lederman - William Blair
And will that be external growth and acquisition or more internal growth?
Brad Smith
A combination of all the above.
Laura Lederman - William Blair
Thank you.
Our next question comes from Jim McDonald of First Analysis
Jim McDonald - First Analysis
Hi. Two questions on financial institutions. The user base seems to be growing more quickly than revenues, can you talk about that and also could you give us maybe a revised time line on the development of the new financial products there.
Neil Williams
Yeah Jim, this Neil Williams. You are right that the revenue has been a little bit slower in DI; we are still doing very well in terms of adding end users. As Brad mentioned earlier, the process of implementation and conversion is taking a little bit longer than we thought. We feel very good about the pricing, the margin compression is about where we thought it would be when DI joined Intuit. But the implementations have been slower than we thought. So we're very focused on that and have a great team on the ground there, and we do have a good pipeline net ads to end users scheduled for the last half of the year.
Now as you know this has a lot to do with bank conversions, so there can be things in the minds and on the businesses of our customers that can affect those implementation schedules, but we are doing every thing on our side to be sure that we can implement those as quickly as they come along and as quickly as our customer's requests.
Brad Smith
Jim to the second part of your question around finance works products. We are continuing to make good progress there. Clearly we are not on the schedule that we had originally anticipated. We are still in test with three of the financial institutions, we're getting really good feedback from the daily users. But we have not announced at this point any date for broad deployment. We are continuing to work towards making sure that we have the learning we need to roll out a product that we are going to be proud of in the market.
Jim McDonald - First Analysis
Okay, thanks.
Our next question comes from Ross MacMillan of Jefferies.
Ross MacMillan - Jefferies
Thanks. Just coming back to QuickBooks, Brad. Can you just talk about linearity, I mean as you went through month by month in the quarter did the numbers gradually get further away from plan or was it more consistent through the months, thanks?
Brad Smith
You know Ross it's interesting we came out of the first quarter in the year as you may recall looking pretty healthy and then we got in to the early months in the second quarter and we saw a pretty significant shift in the run rate of the business. We've had some weeks that have responded well and we've had some weeks that haven't. So there hasn't been any linearity here. What we do know is the overall category is down about four points.
We see it as part of our responsibility to grow that category and the good news is in this [pass it] down category we've picked up two points a share. So there isn't anything I can point to in terms of linearity. I think it's just a matter of trying to get our finger on the right levers and trying to find through, if any short term market conditions- if they are having an impact, and making sure we also learn lessons from our own decision that we've made, so that we come out of the gates strong heading into next year.
Ross MacMillan - Jefferies
And then just on financial services, the comments that you made around some things. Customers have things on their minds that can impact timing. Is any of that related just to what's going on within the credit markets in the banking sector overall or is it very specific to particular costumers, you know internal issues away from that?
Neil Williams
Well again as Brad said, it's hard to draw a straight line between an event on our side and an event on our customer side. We do know, and in conversation with all these financial institutions, that they are clearly focused very much on their cost structure, they are focused on credit quality, and they have an agenda that may be is a little different than it was six months or 12 months ago, when we signed an agreement and established an implementation date.
That said, that means the implementation date may slip a bit, but we still have a strong commitment from those, we still have a very strong pipeline going forward. So we can't point to anything definitively on the banking side, other than we know that they've got a lot of other things going on that may be weren't there when we signed the contracts and scheduled implementation initially.
Ross MacMillan - Jefferies
That makes sense, thanks. And one very last one, Neil. On closing ECHO can we expect - I think you mentioned that would also be slightly dilutive. So is that still to come into the numbers, in other words, we could still have a few pennies of dilution from ECHO when it closes?
Neil Williams
That is still to come, that's correct. It's not in the numbers that we gave you today.
Ross MacMillan - Jefferies
Thank you.
Gentleman, I am not showing any further questions. Would you like to proceed with any additional remarks?
Brad Smith
Thanks Denise and thanks to everybody else. Once again just want to reiterate: we feel good about where we are right now at this point in the season. In fact, we feel good about where we are as a company for the full year. I appreciate your support and am looking forward to seeing you the next time.
Ladies and gentlemen, thank you for participating in today's conference call. This concludes the program. You may now disconnect.
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text:
New gods have come and gone, and dragon Boat racing has become popular around the globe.
And now, the dragon King, the god of the oceans and the weather in Chinese myth, has taken her side.
I was raised on them a bit, and my favorites are The Five Deadly Venoms, Shaolin Master Killer, and Enter the dragon.
Smaug, of course, is the dragon who stole the dwarves land from Thorin and his forefathers.
As a young kid, Enter the dragon was one of the first ones I saw—in Times Square, actually.
He drives Mime away and kills the dragon, after which he puts his finger, smeared with the dragon's blood, to his lips.
What is the slaying of Lygni and the conquest of his kingdom to the slaying of Fafnir the dragon?
That she reminds us of the dragon of old, which was generated between the sunbeams from heaven and the slime of earth.
All blasted and wasted was the Heath with the fiery breath of the dragon.
Limaloa, the dragon of Laiewai, also tried to catch Makani-kau, but he was too swift.
early 13c., from Old French dragon, from Latin draconem (nominative draco) "huge serpent, dragon," from Greek drakon (genitive drakontos) "serpent, giant seafish," apparently from drak-, strong aorist stem of derkesthai "to see clearly," from PIE *derk- "to see." Perhaps the literal sense is "the one with the (deadly) glance."
The young are dragonets (14c.). Obsolete drake "dragon" is an older borrowing of the same word. Used in the Bible to translate Hebrew tannin "a great sea-monster," and tan, a desert mammal now believed to be the jackal.

subset: commoncrawl


text:
Cars in Thailand are widely used, more so than bikes in some areas. For the self-sufficient expat they are a must have transporting heavy stuff about and recovering big bikes. Some consider them essential for protection on the 'dangerous' roads. They, like bikes, allow a great deal of independence from public transport and allow you to strike out on your own to discover things for yourself.
Types of Car in Thailand


text:
Behrens-Rapp Filling Station/ Visitor's Information
Yes, in the "old days," attendants would pump your gas and
check your engine oil when you stopped to "fill 'er up!" And they'd give you a map and
directions to help you on your way.
This 1925 "filling" station recalls that time with visible
glass pumps, vintage signage, and other unique gas station paraphernalia. And the Cedar Falls Tourism and
Visitors Bureau provides the directions with maps, brochures, and booklets to
help visitors navigate the Cedar Falls/Waterloo area.
The station is an especially good stop for bike trail users with shady benches, trail maps, and an air compressor.
308 West 3rd Street, Cedar Falls, IA 50613 (319) 266-5149 Email: firstname.lastname@example.com
Web Design and Custom CMS by 1Vision, Inc.


text:
On-Ramp Program Helps Student Pursue Goals
Posted on August 22, 2013
By Holly Walker
Brandi Byrd's life took an unexpected turn in 2010. After working for 13 years as a certified pharmacy technician, she found herself unemployed when the company she worked for closed. Byrd weighed her options. She considered trying to find another job in her field, but the economic downturn left her few opportunities. She also knew that even if she got a job, there would be little-to-no room for career advancement. That's when she began exploring education options.
Byrd knew she wanted a career that would allow her to help people, and she was interested in radiology, so looked into a program at a local hospital. The program required some prerequisite classes, so she turned to John Tyler Community College. She signed up for classes and began pursuing her new dream. Byrd said, at first, she only intended to take a few classes at Tyler, but with the encouragement of one of her instructors, she decided to alter her path and begin work on a two-year General Studies degree.
In her second semester, she made an invaluable discovery; she learned about JTCC's On-Ramp program, which helps dislocated workers by providing financial support; career planning assistance; academic and employment resources; and much more. Byrd spoke to the On-Ramp coordinator, LaWanda Woods, applied to the program, and was accepted. Through On-Ramp, Byrd learned about career planning offered through the Virginia Education Wizard; got the opportunity to attend workshops designed to help people prepare for job searches, and received financial assistance for tuition and textbooks. The financial help was extremely important to her – especially since she is a single mother and a caregiver to her own mother. "It helped me get through my courses faster," said Byrd. "Without that help, it would have taken me longer to complete my degree." Also helpful: the support she received from the program's coordinator. "Ms. Woods always was there when I needed her," said Byrd.
While at Tyler, Byrd has kept her focus on school. "The last three years have been busy and chaotic," Byrd reflected. "I've given up going out with friends, and I've missed family functions. That's been hard, but I think in the long run, it will be worth it." Byrd's experience also has made her realize something very important. "It's shown me that I can do more than I thought I could do. The challenge has given me confidence in myself."
Byrd is now celebrating the benefits of that hard work. This summer, she completed her degree, and now she's preparing to move on to the next part of her academic journey. She's been accepted into Virginia Commonwealth University's nuclear medicine program and will start this fall.
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Holly Walker, Public Relations Manager


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home design. Thursday , January 19th , 2017 - 12:28:09 PM
Quote from Contemporary House in Tiburan with Magnificent Scenery of Sea :
In the first photograph, you can see an area of grass as the front yard of the home. A line of plant place is available with a group of architectural plants. An elegant tree exists with the rest of the other trees as the background of the residence. Take a look at the residence here. It has minimalist yet architectural building design with cream exterior. Rocky walls appear as well as part of the building construction. Alright, the second image shows you a large patio with large concrete tiles installed. There are rocky panels found and some spots with architectural vegetation, too. See also contemporary house for sale.
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In no way does Mogome claim ownership or responsibility for such items, and you should seek legal consent for any use of such materials from its owner.


text:
Is Chelsea Clinton really greening her wedding menu with vegan dishes and grass-fed organic beef?
That's the word from Ecorazzi, an online gossip site, which reports that an "insider" told Life & Style magazine: "Chelsea is a vegan. The food will include vegetarian, vegan, and gluten-free dishes, but there will also be grass-fed organic beef on the menu."
Little is known about Chelsea's wedding Saturday to long-term boyfriend Marc Mezvinksy, 32, an investment banker, because she never gives interviews and avoids publicity, reports USA TODAY colleague Maria Puente.
The Vegetarian Times, however, says Chelsea, now 30, has been a vegan since her childhood in the White House, where she learned to cook animal-free fare. It reports:
Before Chelsea Clinton went off to Stanford, Hillary asked the White House cooking staff to teach her daughter how to prepare delicious vegan meals. Chelsea has been keeping pork off her fork since childhood. But this was more than just a weekend of "helpful hints." Chelsea spent an entire 6 weeks learning the craft and upon completion, she received a Walter Scheib cooking school certificate.
If indeed she goes with eco-friendly fare, Ecorazzi says her high-profile nuptials won't be the first to do so. In 2008, it says Ellen DeGeneres and Portia de Rossi served their guests a plant-based feast.
Wendy Koch has been a reporter and editor at USA TODAY since 1998, covering politics and social issues. She's begun a quest to build the most eco-friendly home her budget allows. She'll share her experience and give you tips for greening your home. More about Wendy


text:
Finding Nemo
Finding Nemo is the funniest Disney movie ever made! Dori is so fun and quirky. Honestly, I never felt so strongly about an animated movie as I do Finding Nemo. After Nemo gets trapped by fisherman, his dad sets out on an adventure to track him down. Along the journey, he meets Dori, a sweet but forgetful girl who is absolutely amazing. They encounter the good and the bad while they search for Nemo.
I know that I'm supposed to like older Disney movies but I really think this is my favorite one.Tags: kids, dvd, gifts, humor, animations, movies, childrens, film, entertainmentAdded 8 Years Ago from Amazon.com
ahh the joys of having hippy parents. imagine my surprise when i realized later in life that the entire movie is a drug trip.Added 9 Years Ago from Amazon.com
If I had to choose an older Disney movie to call my favorite it would be this one. Scuttle is by far the best character ever.Tags: dvd, animations, movies, film, Disney, cartoons, entertainment, silver screen, little mermaidAdded 9 Years Ago from Amazon.com
Avril Lavigne is in this movie first of all, meaning I'm obsessed. Second of all it is just really cute. CAN THE ANIMALS GATHER ENOUGH FOOD IN TIME?!Tags: dvd, gifts, movies, entertainment, Over the Hedge, Avril Lavigne, silver screen, cartoons, bruce willisAdded 9 Years Ago from Amazon.com
I not only watched this show, but I also had the tapes of the songs that they used to sing on the show. I don't understand why they stopped making it?Added 9 Years Ago from Amazon.com
Mark Hamill as The Joker never gets old.Added 9 Years Ago from Amazon.com
The best of the Disney princesses, the cutest prince... how can you go wrong? Definitely one of my top 5 Disney movies.Added 9 Years Ago from Amazon.com


text:
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Tempered razor teeth are whetstone-ground and stay sharp up to three times longer than conventional blades. Each tooth is sharpened on three sides for faster cutting on the pull stroke. Blade has a 4 mm gap between teeth and measures 13". Pistol grip co-molded handle provides more power on the pull stroke. Overall length: 19".
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Corona 13" Curved Pruning Saw Replacement Blade
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text:
World Cup
Get Pumped for U.S. v. Belgium World Cup Match! [VIDEO]
The US takes on Belgium today (July 1) in the knockout round of the World Cup. The US defied expectations by surviving the so-called 'Group of Death,' so why can't Uncle Sam's boys continue its unlikely quest for soccer immortality?
Team USA Fans Take Over Portland Sports Bar [VIDEO]
They came by the hundreds to cheer Team USA to what they hoped would be victory against the dreaded German soccer team on Thursday at Rivalries in downtown Portland...
'I Believe That We Will Win' USA [VIDEO]
Here's the video that contains the chant heard around the world "I Believe That We Will Win" Go USA!
Last Minute Bummer For USA [VIDEO]
Just when it seemed the USA soccer team had made it out of the so-called 'pool of death' and on to the round of 16, Team Portugal scored in the last few seconds of extra time to draw 2-2.
USA Soccer Chant for Victory [VIDEO]
The USA Soccer team is scheduled to take on Portugal at the World Cup this Sunday and the one thing that could give them a slight edge over this powerhouse team is this chant titled, "I Believe...
Team Croatia Skinny Dips After Loss to Brazil! Yay!
After intensely training for the World Cup, Croatia lost to Brazil in the first match. Sad for Croatia. But it's hard to keep good men down! They made the most of it by going back to their resort and skinny dipping together. The lady pictured above is psyched! Buzzfeed brings us this uplifting sports story!


text:
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text:
Why the Tatarstan Oil, Gas and Petrochemicals Forum, bringing together 4 international exhibitions with Oil, Gas and Petrochemicals and Plastic&Rubber among them is one of the key events for Tatarstan and the whole Russian oil and plastics industries?
Oil and gas production, oil processing and plastics production make the major share of the Tatarstan economy. Tatarstan produces 32 mln tons of oil annually. This is 51,9% of the total volume of output, 86% of profit and about 28 % of employees. Oil and plastic products are essential part of foreign trade ensuring up to 91 % of the total volume of the Republic`s export.
The Republic`s oil, gas and petrochemicals cluster (OGP cluster) includes over 1 300 enterprises engaged in oil and gas production, petrochemistry, plastics and rubbers production.
OAO Tatneft, TAIF-NK PSC, OAO Nizhnekamskneftekhim, Kazan-Orgsintez OJSC provide 95,6% of sales. Being recognized, thus, as a budget-forming and urban constructing companies of Tatarstan. These companies are the biggest suppliers of Russia and Europe by certain kinds of products.
The oil sector is represented by OAO Tatneft group of companies and 34 independent operators.
OAO Tatneft is one of the largest vertically integrated oil companies in the Russian Federation, dealing with oil production and processing, petrochemistry, supplies of oil products and petrochemicals; bank and insurance services.
All types of motor fuel (aviation kerosene, automobile petroleum, diesel fuel), important sorts of raw materials for petrochemical industry are produced in the Republic. The main player of the OGP cluster is TAIF-NK PSC. Oil processing and petrochemical plants are being built in Nizhnekamsk city (OAO TANEKO), which is going to be the biggest member of Russian and Tatarstan markets for oil products.
Tatarstan chemistry and petrochemistry are in high positions in the Russian and world markets. 53% of domestiс polystyrene, 43% of polyethylene, 34% of polypropylene, over 30% of synthetic rubbers and tires, 12% of cleaning products are produced in Tatarstan.
In addition to the above mentioned biggest companies, the Republic`s chemical and petrochemical industry is represented by dynamically developing like Nefis Cosmetics Group, ZAO KVART, Nizhnekamsk Industrial Carbon Plant OJSC, Karpov Chemical Plant JSC, OAO Kazan Synthetic Rubber Plant and others, as well as by small and middle-size business enterprises.
The OGP сluster of the Republic of Tatarstan is represented by more than 500 small- and middle-size enterprises, most of which are focused on rubbers and plastics production (48%). Potential of the OGP cluster is growing every year thanks to extension of processing the products made by large companies – polymers, laprols, synthetic rubbers, alpha-olefins, etc.
In order to make a step to innovations, the OGP cluster involves more subjects of scientific and technical sphere – research and development institutes and organizations, educational sphere, innovative infrastructure. Created and successfully operating in the Republic of Tatarstan are OAO IPT Idea, Association "Nizhnekamsk Industrial Area", KIP Master, and Special Economic Zone Alabuga. The Himgrad technopolis, the Kamskiye Polyany industrial park and other innovative and business facilities are aimed at forming effectively working clusters of chemistry and petrochemistry in the Republic.
The scientific and technical, educational potential of the Republic`s OGP cluster is also formed by:
Academy of Sciences of the Republic of Tatarstan;
Кazan Research Center, Russian Academy of Sciences;
Branch higher education institutions (Kazan National Research Technological University, Nizhnekamsk Remote Campus of Kazan National Research Technological University, Аlmetievsk State Oil Institute);
branch science and research institutes (A.E. Arbuzov Institute of Organic and Physical Chemistry of Kazan Scientific Center of Russian Academy of Sciences - IOPC KSC RAS; Tatar Oil Research and Design Institute – TatNIPIneft; J.S. "VNIIUS" – "Volga Research Institute of Hydrocarbon Feed"; Federal Science and Production Center "Research Institute for Applied Chemistry"; Central Research Institute for Geology of Industrial Minerals; Institute of Polymers)
Design Institute "SOYUZHIMPROMPROJECT");
Science and technical centers attached to universities and institutes, OAO "Tatneftekhiminvest-holding" as well as those attached to the OGP cluster enterprises in the Republic of Tatarstan.
In 2010 the Government of the Republic approved the third 5-year long program on development of the Republic`s OGP cluster. The total amount makes 465 bln rubles with 421 bln as an investment part. Expected is, that investments into major capital of small- and medium-size enterprises in the framework of the program will amount to 40 bln rubles. The program is being implemented in two steps: stabilization and recovery stage for 2010-2011 and development stage for 2012-2014.
The Republic`s chemistry and petrochemistry will keep improving raw materials processing and implementing innovative solutions. In 2012 OAO Nizhnekamskneftekhim launched production of ABS-plastics, Kazan Synthetic Rubber Plant started with production of silicone monomers and polymers.
The program above does not include construction of ethylene plant at Nizhnekamskneftekhim with annual capacity of 1 mln tons and doubling of TANEKO oil processing plants output. Those projects have been planned to be implemented within the period of 2015-2016.
In order to develop electrical industry, proposed is to realize a project on production of compound materials for cables sector. Planned is launch of production of new polymers and compound materials as well as polymer automotive components following development strategy of OJSC KAMAZ and OAO Sollers. In regards of agriculture, planned is production of mineral fertilizers, for instance. The program is expected to increase industrial output in the OGP cluster by 44%. Share of innovative goods will grow by 13%. Industry`s profit is supposed to amount to 730 bln rubles per year by 2014 with 300 bln of the added value.
Tatarstan should turn into a hub for supplying conceptually new and long-term oil processing products and petrochemicals, expand its advantages in "traditional" sectors of the OGP cluster (oil production, oil processing, chemicals, plastics and rubbers) as well as establish institutional conditions and science and technical platforms, providing sustainable development of the cluster in question into an innovative hi-tech one.
This requires not only financial injections but cooperation between science and manufacture as well as guaranteed contracts.


text:
|Property type
|Minimum Stay
|3 nights
Your true hideaway nestled in the Adirondack Mountains and on Lake Champlain. Total peace and quiet on your large property of heavily wooded forest with a bridge and creeks. Watch the changing leaves, go canoeing from your private beach or just sip cocoa in front of the fire while looking out to the family of deer on the front lawn. The house is built on top of a lush hill which faces Lake Champlain. Stairs leading to a bridge, where you can listen to the babbling brook which flows from the artisan well that flows below you, continues to the lake. Choose from a variety of water sports to pass the day away. Have a bonfire or BBQ on the beach. Go for a canoe ride with a picnic for two. Hunt for frogs in one of the creeks. We have a canoe with 4 adult life jackets and one child, as well as a 10 foot rowboat and a dock. The beach is sandy, unusual for Lake Champlain. We have parking for a trailer and electrical hookups
In the winter time just walk out the door to go sledding, tobogganing, ice fishing etc. or take advantage of our local Olympic ski slopes at Whiteface. Watch the leaves change in Autumn and visit the local pumpkin patch for a hay ride.
Great Escapes Six Flags is one and a half hours away!
Conveniently located next to two international airports. Burlington, VT is 1 hour and 20 minutes away with a ferry ride. Albany is 2 and a half hours away. Many ferries in the area, ask us for the schedule if you need it. There is a gas station and a full grocery store less than 5 miles away if you should need any essentials. There are much more major shops and activities in Plattsburgh, 12 miles away.
The house has a piano in the White Room downstairs and the upstairs bathroom tub fits FOUR!
This is truly a very special property if you love peace and quiet.
My name is Jasmine and this property belongs to my mother, who travelled the world to pick her favorite places and now we are sharing them with you. We wish you to have a lovely time and enjoy these corners of the earth like we do
The Owner purchased this house in 2005
Location, Location, Location
and being Lakeside in the North County on Lake Champlain.
All Lake fun and simple walks throughout many trails in the area, also Ausable Chasm and a local orchard up the road with all the homemade local goodies and strawberry picking in the summer and pumpkin patches in the fall. Must see is Ausable Marsh just north 5 minutes on Rt 9. Great Fishing
I stayed here with a number of friends for some fun in the sun and on the water. The house was very spacious, clean, and had some amazing views of Lake Champlain. The ladies next door, who we were told to contact if we needed anything, we're very friendly and helpful. With no shortage of things to do, the house is set up on a scenic piece of property. The beach and boats were very cool. We are already looking forward to booking another trip here next year!
We had a great experience! The house is nice and big, the view is amazing, and being private made it even better! We will definately be recommending to friends!
I was there with my husband, my 19-month-old baby, my 2 dogs and 2 friends for a week-end and it was perfect! It's a paradise for adults, kids and dogs! A great spot to relax, soak up the sun and swim. The private beach is nice and the house was clean. I recommend this rental to anyone who's looking for tranquility!
This was the perfect place to relax! We had so much fun playing in the lake, which was warm enough for my 2 year old, who gets cold easily, to enjoy. The sandy beach really helped her as it made it much easier for her to play in the water...the dog had a blast too! The cottage itself was better than expected. The beds were comfortable and the rooms were quite spacious. All of our questions were addressed right away. The toys, paddle boat, and canoe were great to have. There was a row boat too though we didn't have a chance to take it out...next time.;o)
For a wonderful time and a great place to stay...............This is it. Stayed here a few years ago and loved it and it's still that way now. Going to book it for a week in the summer also
Great place to relax and do just about anything I was there a few years ago and loved it Skiing is great and close BUT the lake in the summer is wonderful. All ages will love it I'm booking it again for early November and again for April Can't wait to get there again
We are on a 3 acre lot in a very private location. Two creeks that run along each side of the property which are alot of fun. There is boat launch less than 1 mile down the road. Golf courses within a 30 mile radius! White Face Mountain Ski Olympic Resort is 23 miles away, easy ride for Skiers and snowboarders alike.
|Rate Period
|Weekend Night
Mar 31 2017 - Sep 30 2017
3 night minimum stay
We request the deposit first then 30 days before you arrive we ask for the rent and the cleaning. Deposit is returned promptly after your stay.
Always ask for a quote, prices vary!


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I'll admit though that the distinction is minor and that ahjohnston25 made a good point.
No one ever seems to mention W3AF which in my opinion is an excellent and somewhat configurable front end web vuln scanner.
To answer the op`s question "In a real world pentest, how many of you prefer to use vulnerability scanners", I would have to say, 99% of the people 99% of the time. Securityxxxpert you mention pentest, now, even if you read a banner, throw the corresponding exploit at it, and pwn a box inside of 60 seconds, there could still be another 10 underlying problems on the front end of the "website"/etc/etc, I am sure maybe back in the past you could do a "web" security audit manually, but these days with new platforms,apps,programs,etc being created, deployed and implemented like theres no tomorrow, pentesting, (the front end of a website for example), manually AND ACCURATELY WITHOUT MISSING A THING, if possible at all, would be a waste of time.
Sometimes I try to fit a 16-character string into an 8byte space, on purpose.
I'll admit though that the distinction is minor and that ahjohnston25 made a good point.
Capitalisation is important. It's the difference between "Helping your brother Jack off a horse" and "Helping your brother jack off a horse".
The Forum Rules, Forum FAQ and the BackTrack Wiki... learn them, love them, live them.
If they don't understand what is in their logs then all the noise in the world is not going to matter. 1 exploitable service or a hundred is not going to make a whole lot of difference if they don't know what's coming at them, and how to mitigate it.
To be successful here you should read all of the following.
If you are new to Back|Track
Back|Track Wiki
Failure to do so will probably get your threads deleted or worse.
definitely use both for effectiveness and accuracy, doing a pentest/vuln ass. by manually would inflate the LOE/SOW hourly to astronomical proportions. also archangel makes a great point, assuming you have client xyz that has some sort of monitoring staff and/or SIM in place, it's better for them to see the traffic and escalate it so you know they are doing their job and understand the difference between "good" and "bad" traffic
open source = open minds, human knowledge belongs to the world


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Australian Sea Life Mobile
Approximate weight including packaging 0.25kg
Are you ever to old to have a mobile? Or perhaps you would like to introduce a bub to the Australian sea life at an early age. This mobile by Bryne Woodware makes a wonderful Australian gift idea.
The Australian Made mobile includes a clownfish, dolphin, seahorse, starfish, and blowfish and has been cut out of a single piece of Tasmanian oak wood.
Features -
- Glue and tool free assembly
- 100% Australian made and owned
- Flat-pack construction
- Environmentally sustainable timber
- String and assembly instructions included
Dimensions -
- Crossbar: 250mm x 250mm
- Flat-pack: 270mm x 180mm x 5mm
Note this product needs to be kept out of reach of children and adult assembly is required.


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Ross ministry to focus on 'Boundaries for Women'
Women who are overwhelmed by the demands they face, have problems sleeping at night or feel incompetent and alone can find some support through Anchorpoint Counseling Ministry.
Anchorpoint once was known as the North Hills Youth Ministry Counseling Center but now addresses the needs of individuals of all ages. The ministry will start two new programs for women in September.
Boundaries for Women will address the difficulty women have in setting boundaries and saying, 'No,' to the onslaught of demands in their life.
The eight-week program will be offered from 7 to 8:30 p.m. Tuesdays from Sept. 16 through Nov. 4 at Anchorpoint, 800 McKnight Park Drive in Ross Township.
"Considering the number of demands placed on women today — holding a job, raising children, caring for the home — it is easy to understand why they feel overwhelmed," said Sister Mary Jane Beatty, a licensed marriage and family therapist at Anchorpoint who will supervise the support group being co-led by interns Cassy Wimmer and Catherine Matthews.
"Women are afraid to say, 'No,' because they think it will create conflict. They need to set boundaries for themselves in all areas of their life and know that it's a positive thing," said Sister Mary Jane, 69, of Hampton Township.
Participants will learn skills and share creative ways to set personal boundaries for themselves, thus improving relationships and reducing stress levels.
The other program is the Stress, Anxiety and Depression Support Group for Women, or SAD.
This program will be an opportunity for participants to share life struggles with other women. They will learn positive coping mechanisms from each other, said Wimmer, who also will co-lead this support group with Matthews.
"Depression affects everyone at one time or another. It's the severity of the depression that concerns us," said Sister Mary Jane, who will supervise this support group, as well.
"But there is help, comfort and support. It can be an experience we can grow from," said Wimmer, 29, of Penn Hills.
This program will be held from 5:30 to 6:30 p.m. on 12 consecutive Tuesdays, starting Sept. 2.
Wimmer — who earned an undergraduate degree in psychology at Duquesne University in Pittsburgh and is working toward a master's degree in social work at the University of Pittsburgh — said she is uniquely qualified to lead these support groups because of her own life experience.
"My husband and I adopted three children — ages 4, 6, and 8 — from the foster-care system. My husband is a professor at Duquesne University, so time management is an ongoing process. And did I mention that we home school?" she said.
Wimmer said she has learned to manage stress and demands in her life.
"My biggest problem may be that my life is too full of wonderful things: my faith, my marriage, my children, my classes and my clients" at Anchorpoint, she said.
Her co-leader, Matthews, is completing her master's of education in counseling from Duquesne University and expects to graduate in December. She has co-led various support groups and has interned at Anchorpoint since January.
Each program is limited to 15 participants. A $5 donation per session is appreciated but not required. To register, call Anchorpoint at 412-366-1300.
Laurie Rees is a freelance writer for Trib Total Media.


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Here's how you can install the Darling OS X emulator in Linux Mint 16 or 15. You can use Darling to run applications for Apple's OS X operating system on your Linux Mint computer.
1. Open a terminal window.
2. Type in the following commands then hit Enter after each.
sudo add-apt-repository ppa:thopiekar/darling
sudo apt-get update
sudo apt-get install darling
Additional Resources
Darling OS X Emulator Git Information
Read more: Linux G
This article is published as part of the IDG Contributor Network. Want to Join?


text:
THE TENANTS by Bernard Malamud. 230 pages, Farrar, Straus & Giroux. $6.95.
"Home is where my book is," thinks 36-year-old Harry Lesser as he hotfoots it back to his bachelor apartment in a decaying New York City tenement. There, for the past ten years, Lesser has been working on his third novel. His first was a success, his second kissed off as evidence of sophomore slump. The new novel, entitled The Promised End, is about a writer who cannot love generously. "Love up to a point," Lesser writes, "is no love at all."
But he finds himself curiously unable to finish the book....
To continue reading: or Log-In


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Getting ON for Abundance
What is your personal view of Abundance? How does it show up in your life? I'm sure it is different for each of us. For me, when I am feeling abundant, I have a sense that All is Well Always. This bleeds into many different areas of my life and not just in the finance department. Perhaps my business is going well, the family is cared for, and my relationships are flowing. One thing I know for sure, having the feeling of abundance in these areas allows my creativity to blossom and expand.
With regard to the Association, we have seen movement towards an abundance posture as well. For example, beginning with the Annual conference in February with over 42 registered people, there were twice the attendees over last year. Soon after, we held a teleseminar called "Turbo-Charge Your Business" which helped us align the Association with one of our key initiatives from the 2010 Board retreat. That is, we hoped to showcase an alliance with another energy psychology system, one of them being, Law of Attraction. We had 49 people registered for this series and it brought out the beauty of Resonance Repatterning® in complete complimentary form with a business model called "How to Get the Perfect Customer." I can't speak enough about the enthusiasm from the people on the call and positive feedback of abundant changes reported in everyone's businesses.
Take this time to check in with your own sense of Abundance and whether it is flowing in your life. Check to see if you have blocks in any of these areas that may inhibit your business, relationships to money and with people. While we have the NunKarma Repatterning and the Abundance Repatterning to support us, here are some other possible blocks to consider for yourself. They come from Reverend Robert Detzler who founded Spiritual Response Technique, a spiritual healing system. According to Robert, the three main blocks to abundance are:
1. Vows of poverty
2. Religious beliefs regarding abundance
3. A belief that you cannot go to heaven if you are abundant. So even if you gain abundance, you will lose it.
(from SRA Mastering Abundance manual 2009, by Reverend Pamela Murray)
Now, what if you were to find yourself in all of your abundance? I would like to suggest the positive projections of one of the following:
- What would happen that is positive if you were to gain abundance?
- What would you like to resonate with for your own personal view of abundance?
- How about getting ON for: I am an expert at what I do!
Abundant blessings to you all~
Karen Kent
President, Repatterning Practitioners Association


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4.27.08 - 4.29.08
well i'm over half way there! i'm sitting at my gate in the taipei airport, waiting to board the plane which will take me to hanoi, vietnam! my flight from san fran to here was 13 hours... time felt so weirrrd. it was funny to get dinner on the flight when it was really only 4 am at home and then get breakfast when it was about 5:30 pm at home! the food wasn't bad, i tried this chinese porridge for breakfast, which was interesting. somehow i think my seat got changed before i checked in, because i ended up in the very last row of the plane. i did have an aisle seat however, and i ended up sitting with the nicest people. they were from taiwan, and were (from what i understood) among a group of about 25 on the flight who had been to california to study at a special buddhist temple in san francisco. Angela, the woman next to me, had some bad motion sickness in the beginning, but ended up being incredibly cheerful during the second half. we watched movies together, and laughed. she kept trying to convince me to come to taipei, saying you "pay less" in taipei than in vietnam and if i went to taipei, i could stay in her house. she also said i could teach her younger son english while he taught me chinese. i ended up in the middle of her and her good friend, Demos, because she felt better sitting in the aisle seat. they both gave me business cards with their skype names. Demos had bought about five vibrating back massagers at the airport and got them out near the end of the flight. it was hilarious giving each other back messages. i think Angela is still hoping i will stop in taiwan on my way back.
it was pouring rain in taipei when we landed. after sitting at the gate for a while, an older vietnamese-american man named Steven from california began talking to me. he's returning to vietnam for the first time since 1975. he wanted coffee, and invited me to get some with him. he bought me 5$ (!!) latte and was very nice. i tried asking him to teach me some vietnamese, but he interpreted my question as whether or not all the asians in the coffee shop were vietnamese and replied that "no, they japanese, korea, thailand." so i still know only about 3 expressions in vietnamese. later, i did quickly decline Steven's offer to join him in the smoking lounge, which was basically a little glass observatory filled with cigarette butts. to pass time, i took silly pictures of signs that said things like "please do not seat on this table."
i love you all back at home! next entry, i hope i'll be safe in vietnam!
Posted by jageiger 17:01 Tagged air_travel


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Adoring fans carried star safety Troy Polamalu on their shoulders — passing him off, one to another, as though they could live through his efforts.
Such adulation during the parade downtown honoring the Steelers after their victory in Super Bowl XL in 2006 might have given someone else a bloated sense of entitlement.
Polamalu? He flew to Greece, living for four days in a 1,500-year-old monastery with Greek Orthodox monks.
Polamalu, who is Greek Orthodox, had stepped back to wonder what the victory and accompanying fame meant. He was unimpressed.
"Oh, OK, I won a Super Bowl," he said. "So what? I didn't have that fulfillment like what God could provide for me."Read Full Article »


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"Not Fade Away" Trailer Hits the Web: Watch Now!
Paramount Vantage released the trailer for its upcoming flick "Not Fade Away" on Friday afternoon (October 5).
The David Chase-written and directed film stars Brad Garrett, James Gandolfini, Bella Heathcote, Christopher McDonald, Molly Price, Lisa Lampanell, John Magaro, Jack Huston and Will Brill.
Set in the mid-1960's the musical drama follows the story behind how the Rolling Stones' first appearance on television inspires a group of friends to form a rock band.
"Not Fade Away" is scheduled to hit theaters on December 21.


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WTOC2012 - Day1
Tentsmuir North
Strong winds during the previous night caused one of the tents in the assembly area to blow down and the winds continued during the day making for a cold day. Competitors were bussed to the northern end of Tentsmuir and the course for the first day of the TrailO competition followed a loop of 2.3km with 20 controls (plus 2 timed controls at the start of the course).
In TrailO one point is given for a correct answer and the time taken at the timed controls is used as a tie-breaker. In the Open class, preliminary results gave a surprise victory to Richard Ebright (USA), but a protest was lodged by Finland about the positioning of the flags at Control 1. This was upheld by the jury and the control voided. The revised results showed three competitors tied on 20 points and the timed control times gave victory to Antti Rusanen (Finland), followed by Stig Gerdtman (Sweden) and Ebright dropping down to third.
In the Paralympic class the leading competitor was Ola Jansson (Sweden) with 18 points. With the same score but a slower time was defending champion Dmitry Kucherenko (Russia), followed by Pekka Seppa (Finland) with 17 points.
Photos from day 1 by Nick Barrable (CompassSport) and Colin Matheson (SOA).
Day 1 Master map, Solutions and TC
TrailO Day1 – Paralympic class
Last edited: 11th Jun 12


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A CALL has gone out from a West Sussex man to trace his long lost sister who he thinks is living in Bridgwater.
Michael Ford (Stephens) is appealing through the Mercury to find Emilia Z B Claydon (maiden name Gryszan), who was born in 1949 to a Sylvia Roslyn Stephens.
Anyone with information can email firstname.lastname@example.com or contact the Mercury.


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a look at some of the range of products we stock
and even order on line!
Wines is your local independent wine and spirit
merchant. Located on the Thoroughfare, in the heart
of the ancient riverside market town of Woodbridge,
Our philosophy has always been to look for wines
that excite and inspire, to this end, our search
is a never ending journey. From the classics of
France, Italy and Spain, to the emerging regions
of Hungary, Georgia and Brazil, and anywhere in
between. We believe we have the wines to suit the
occasion and budget.
a party?
Whether it's a big wedding, an intimate get-together
or, even a cocktail party, we can advise you on
which wines and spirits to choose and the numbers
you will need. We offer a free glass loan and your
wines can be selected on "sale or return"
Don't forget that we stock a range of Smoked meats,
cheeses, pates, olives, fresh and live seafood along
with artisan biscuits, crackers and coffee - ideal
to compliment any bottle!
gift delivery
If you're looking for that special gift (or just
remembered!!!) We can arrange for it to be delivered
locally, whether it's a single bottle or a case.
We can also gift wrap and add a personal message
Give us a call 01394 388446 or email email@example.com
to sort out your requirements.
We pride
ourselves on our customised and personal service
and are always happy to help in any way we can.
Wine Company Limited
6 Thoroughfare, Woodbridge, Suffolk IP12 1AG
Tel: 01394 388446
Email: firstname.lastname@example.com


text:
Keith Fowler
The Happy Tramp - Poem by Keith Fowler
I'se looking for a park bench
One that's out of sight
Get paper from the rubbish bins
To keep me warm at night
I sees a poem contest
I finks I can do that
Them's the linking words me finks
like dat n rat n cat
you place them at the end of lines
to make them sound real good
them ritings are my favourite kind
well, the ones I understood
a pencil from the betting shop
some paper from the bin
I'll go home to my cardboard box
And then I will begin
I'll keeps the ritngs little
An make it really neat
I'll fix the hole that's in my shoe
An rest my blistered feet
When I goes out begging
I sit an raise a hand
I hear the people saying words
That I don't understand
you see, I am a lucky one
this lady tought me well
to read the words on rubbish cans
on toilet walls as well
my parents died at early age
when I was sucking fumbs
a lady took me to a place
I think she called the slums
She tought me how to feed Myself
with rubbish from the trash
collect the empty alloy cans
to make a little cash
but now that ladies past away
an I am all growd up
she gave me all her alloy cans
so's I could live it up
I'll do my ritings here tonight
And post it right away
Then eat the crusty bread I found
Only yesterday
it really helped to pass the time
the ritings best can be
Win or lose
It has been fun
It makes no mind to me
Comments about The Happy Tramp by Keith Fowler
Bri Edwards (9/23/2013 1:15:00 AM)
Bri Edwards (9/23/2013 1:13:00 AM)
fun IS what counts...........a lot anyway. thanks for sharing this unique and entertaining poem, you bum.
i grudgingly give it a score of excellent. (Report) Reply
Read this poem in other languages
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Maya Angelou
Still I Rise
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Caged Bird
Maya Angelou
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Stopping By Woods On A Snowy Evening
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Edgar Allan Poe


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2014 Comic-Con: New Look at Ben Affleck as the Dark Knight in "Batman V Superman: Dawn of Justice"
Celebrating the 75th Anniversary collection of the Dark Knight, Warner Bros. Pictures released a brand new look at Ben Affleck in his batsuit for the upcoming flick "Batman V Superman: Dawn of Justice."
The brooding hunk looks down with a furrowed brow, as the batman mask sits tightly onto his chiseled face. The photo was displayed during 2014 Comic-Con celebrations in San Diego, CA on Thursday (July 24).
Along with the photo, DC Entertainment wrote on its blog and said, "Yes, as fans have started pointing out, within the dozens of photos and illustrations on the wall is a brand new image of Batman from the upcoming film 'Batman v Superman: Dawn of Justice.'"
"Batman V Superman: Dawn of Justice" is set to release May 6, 2016 and alongside Ben stars Henry Cavill (Clark Kent/Superman), Amy Adams, Laurence Fishburne and Diane Lane. In addition, Jesse Eisenberg will star as Lex Luthor.
Photo Credit: Warner Bros.


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30 Film Burns and Transitions for Video Editing
30 Film Burns and Transitions for Video Editing
30 MP4 | 1080p | 60 fps | 188 MB
I also quite enjoy a bit of videography in my spare time and this set of film burns and transitions helps achieve some of the popular video editing styles with retro analog effects. The pack contains 30 video clips in 1080p 60fps format with colorful blurs that mimic light leaks when placed over your footage with the Screen composite mode in your favourite editing software. The clips range from 1 to 16 seconds to provide a mix of fast transitions and more prolonged overlays. Add colourful overlays and transitions to your videos to mimic film burns and light leaks with this pack of 30 video clips. Place a clip over your video footage then set the composite or blending mode to Screen in Final Cut or Premiere. You can also reduce the impact of the effect by adjusting the opacity if necessary, or smoothly slow the 60fps footage down to extend the clips with more gradual color changes.
Download From Nitroflare.com
Download From Rapidgator.net
Download From Rapidgator.net


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When Will We Get Our First Snow? Here Are the Average First Snowfall Dates for the Duluth – Superior Area
While fall is still a few weeks off officially on the calendar, Labor Day usually serves as the bookend for the summer season for many. With school starting up and football (and other fall activities) getting into full swing, it won't be long before the leaves fall...and then that dreaded "s" word will soon follow.


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Joan Sutherland Opera Theatre
THE story to La boheme is straightforward and, frankly, bleak. Rodolfo lights Mimi's candle. Three acts later, she snuffs it. But a combination of deft plotting, a pacy libretto and Puccini's irresistible score have elevated this work to one of the world's best-loved operas. All it needs, in most cases, is a committed cast and a sound music director and tears will flow.
This production, created by director Gale Edwards and first performed in 2010, has much more. The big budget approach, which includes sumptuous 1930s costumes and a Cafe Momus dripping with decadence, has paid dividends. On its first outing I found the updated setting - Berlin in Weimar Germany - too knowing, too cynical. Parpignol handing out little packages of white-powdered joy; the blond-haired Hitler Youth Band; the salacious Momus girls: all seemed to mock Mimi's wide-eyed innocence and, indeed, the entire fantasy of love at first sight, so crucial to our sympathising with the central characters. This time round, however, the breathless earnestness of the well-matched lovers was nicely balanced by the blatant spectacle of Act Two, its hard-edged view of erotic love contextualising the surrounding tragedy.
A good deal of this was due to outstanding performances from the main protagonists, Gianluca Terranova as Rodolfo and Nicole Car as Mimi. Terranova was a bluff, likeable dreamer whose journey from heady love to fear and grief was all too believable.
Vocally, he used his appealing tone and impressive range to soar in the thrilling Act One climax. Meanwhile, in Australian soprano Nicole Car Opera Australia surely has a star-in-the-making. Her Mi chiamano Mimi had the spontaneous, open tone of an innocent at large, but her voice was surprisingly large, powering over the orchestra when it needed to. Moreover, she died with touching frailty, allowing a faint shadow to colour her tone as she sang from her deathbed.
The other Bohemians were also strong. Samuel Dundas was a charismatic Marcello, David Parkin intoned Colline's ''Coat'' Aria with grim resonance, and Shane Lowrencev, when not squealing and pinching bottoms, sang beautifully. As Musetta, Lorina Gore was less successful, overplaying the hussy and undersinging the big number.
The ensemble was key: great singing and a feast of finely observed humanity, making up the kaleidoscopic clang of life outside Rodolfo and Mimi's own little world. That, and conductor Christian Badea bringing order to the chaos and drawing a polished performance from orchestra and chorus alike. With performances like last night, this Boheme is a keeper.
La boheme plays until March 23.