text:
- BATSMENRB4s6sSR6400150.001.2 Kamran goes early, Bresnan strikes! An ugly swipe across the line from Kamran, trying to slog a pull to a ball that just wasn't short enough for the shot and his nightmare summer with the bat continues 13/121252084.008.5 Shahzaib goes, paying the price for impatience! He was looking increasingly frenetic at the crease, trying to hit everything too hard. This time he charged down the track, head in the air, and flailed at a flighted delivery from Swann. Unsurprisingly, he got nowhere near it, the ball spinning in sharply, and Davies has the bails off in a flash 56/3261830144.446.5 gone! Yousuf falls! This time he tried to whip the ball away in the air with the turn, but succeeds only in giving Morgan an easy catch running in from the midwicket boundary. A good start from him, especially once he settled against Broad, but he's gone now 50/220290068.9615.1 finally the torture is over, it's been a truly awful innings and England may be disappointed to see him go, shortish ball that he ends up chipping back off the leading edge to gift Yardy a wicket. Big roar from the crowd it's BoomBoom time! 88/4not out353020116.66not out161410114.280000-0000-0000-0000-0000-Extras2 (w 1, lb 1)TOTAL126/4 (20 Overs, RR: 6.3)
Bowling O M R W Econ 0s 4s 6s RJ Sidebottom 4.0 0 32 0 8.00 0 1 0 TT Bresnan 3.0 0 18 1 6.00 5 2 0 SCJ Broad 4.0 0 32 0 8.00 2 0 0 GP Swann 4.0 0 14 2 3.50 7 0 0 MH Yardy 4.0 0 21 1 5.25 5 1 0 PD Collingwood 1.0 0 8 0 8.00 1 1 0 Fall of wickets:1-13 (Kamran Akmal, 1.2 ov), 2-50 (Mohammad Yousuf, 6.5 ov), 3-56 (Shahzaib Hasan, 8.5 ov), 4-88 (Fawad Alam, 15.1 ov)
- BATSMENRB4s6sSR1.4 Shoaib strikes! Three dot balls and the pressure was getting to Kieswetter, he aimed an enormous swipe to leg but succeeded only in getting a thick edge. Kamran holds on to the chance, and Shoaib's trademark airplane celebration comes out! He blows a kiss to Kieswetter as he runs past him too! 9/1332730122.228.6 it doesn't matter, he's got a wicket with his next ball! Gul strikes to remove the set batsman and Davies departs. The ball was back of a length, but not all that short. Davies played a whipped-pull off his hip but hit the ball in the air and straight to Riaz 57/411131084.615.6 what an effort! Two men with a combined age of 71 get together to remove Bopara! It was another quick, length delivery from Shoaib just outside off and Bopara tried to heave it to long-on. He got right underneath though, and Yousuf backpeddled as quickly as he could from mid-on, tottering slightly as he went but he managed to cling on. Smiles all round 42/24400100.007.6 gone this time! Afridi really held this one back, very slow through the air and it was the legspinner. It was pitched slightly short and Collingwood was waiting to thump a pull over midwicket, but the ball took the inside edge of his bat and cannoned into the stumps. Afridi strikes in his first over! 55/3not out382460158.3302000.009.6 bowled! Wright shuffled across to off and tried to paddle-sweep the ball away, but it was too full for the shot, sneaking past the bat and crashing into the stumps! Afridi has another one, and Pakistan are right in this game 62/5not out352640134.610000-0000-0000-0000-Extras2 (w 1, lb 1)TOTAL129/5 (17.1 Overs, RR: 7.51)
Bowling O M R W Econ 0s 4s 6s Abdul Razzaq 2.0 0 20 0 10.00 2 2 0 Shoaib Akhtar 4.0 1 23 2 5.75 4 2 0 Wahab Riaz 2.0 0 11 0 5.50 3 1 0 Shahid Afridi 4.0 0 27 2 6.75 5 2 0 Umar Gul 2.1 0 17 1 7.84 4 2 0 Saeed Ajmal 3.0 0 30 0 10.00 4 2 0 Fall of wickets:1-9 (C Kieswetter, 1.4 ov), 2-42 (RS Bopara, 5.6 ov), 3-55 (PD Collingwood, 7.6 ov), 4-57 (SM Davies, 8.6 ov), 5-62 (LJ Wright, 9.6 ov)
Match Details
- Sophia Gardens, Cathedral Road, Cardiff, Wales. CF11 9XR. (Phone: 029-2040-9380)
Player of the match
TV Umpires
Reserve Umpire
Match Referee
Sponsored Headlines
|England INNINGS
|C Kieswetter
|caught wk
|SM Davies
|RS Bopara
|PD Collingwood
|EJG Morgan
|not out
|LJ Wright
|MH Yardy
|not out
|GP Swann
|SCJ Broad
|TT Bresnan
|RJ Sidebottom
|(lb 1, w 1)
|129 (5 wkts; 17.1 ovs)


text: Add Imagealt= Description Episodes Dog Pounded Too Hop To Handle Tweety's Circus Heir-Conditioned Bad Ol' Putty Tat Claws for Alarm Room and Bird Muzzle Tough Retrieved from "http://looneytunes.wikia.com/wiki/Sylvester_-_Volume_3_(1990)?oldid=131170" Ad blocker interference detected! Wikia is a free-to-use site that makes money from advertising. We have a modified experience for viewers using ad blockers Wikia is not accessible if you've made further modifications. Remove the custom ad blocker rule(s) and the page will load as expected. Categories: Videos and DVDs 1990 Italian VHS and DVD Releases VHS Releases

subset: commoncrawl


text:
Johannesburg: The president of soccer's world governing body FIFA on Monday suggested that the race to host the 2010 World Cup in Africa could be much tighter than expected. Sepp Blatter, who is currently visiting South Africa, said he thought that the race may even be as close as that to host the 2006 World Cup. On that occasion Germany edged out South Africa by a single vote. South Africa is hoping for better luck this time when FIFA executives vote on May 15. But Blatter expressed hope that he would not have to make a casting vote. Favourites to win South Africa are favourites to clinch the tournament, but face strong competition from Morocco, which is making a fourth attempt to host the World Cup. Egypt, Tunisia and Libya are also bidding, but the latter two have seriously damaged their chances by suggesting a co-hosted event despite Blatter's disapproval South Africa has long cried foul over the vote four years ago, which Germany unexpectedly won by one vote after Oceania delegate Charles Dempsey defied instructions and abstained. The country has left little to chance this time and anti-apartheid icon Nelson Mandela is expected to fly to Zurich, Switzerland for the FIFA vote on May 15.
Topics : Football
Get the latest Sri Lanka vs India 2017 news, check Sri Lanka vs India 2017 schedule and live score. Like us on Facebook or follow us on Twitter for more Sri Lanka vs India 2017 updates. You can also download the NDTV Cricket app for Android or iOS
Show Comments


text:
Spanish Content Writers Required by Leading Content Provider - On-Going Work
Bajet £10-15 GBP / jam
Hi Everyone. We're a friendly content writing business founded in 2003. We're based in the UK but we have clients in all major countries and languages. We need some more Spanish writers! The details are:
Role: Freelance writer
Pay: £10-12 per hour based on experience (we pay by the word).
Location: anywhere - you just need internet access.
Time: Flexible - this is freelance work so you can decide how much work you can do and when you want to do it.
Experience / skills: Spanish must be your first language (we promise our clients that all writers use their own languages). You will need to understand English to work with source material, our systems . . and me!!! If you have previous freelance writing experience, that will be very helpful but you'll find us friendly and supportive.
How to apply: I don't have lots of management people so I can't read CVs or lots of emails - everything is handed by our writer registration portal. You can access this here:
[url removed, login to view]
If you experience any problems using the portal, there is a link to a registration help page at the top of it which also provides contact details.
Thanks for taking the time to read this and I look forward to hearing from you.
Kind regards - Simon Snelling, CEO, Search Sciences LLP
43 pekerja bebas membida secara purata £13/jam untuk pekerjaan ini
I am extremely confident that I can write professional and engaging articles for your project. I understand that quality content takes time and research, so I will work hard to ensure that you get what you pay for. M Lagi
Hi! Spanish is my native language and I have very good skills in redaction, grammar and orthography... I have a lot of previous writing works, starts the chat and I can show you
Hello, It will be my pleasure to help you in this project. I can write in spanish, my native language is spanish from Venezuela (latinoamerican) but I can write in standard spanish. Please contact me by chat and th Lagi
Greetings, I would like to help you with your project. I'm a native Spanish speaker so I could provide a proficient content writing with perfect grammar. Also, all my work is hand-made and I'm very responsible with Lagi
Hi how are you Now send the register on the link. I can offer a great work and a commitment with you ever finding the better target of the project. Regards and thanks for your time
Hello, I would like this opportunity to assist you with your work. I am a professional editor and have several years of experience. I have a company called Inteligencia Colectiva S.A.S. that offers editorial services i Lagi
I already registered on your page. before bidding here. But I didn´t say I was applying for the Spanish writer position. Kind of eager, I was! So, Mr. Simon Snelling, when you see an application from Ana Valenzuela, Lagi
Hi! I already filled all the info in the portal, hope you get a moment to read it. Thanks for this oportunity!
Hi, mi name is Alejandra i am from México and actually i haven't experience in copywriting as a jod but, i have experience in college proyects. Saludos de México
Hi! I'm from Venezuela, my first language is Spanish and I am excited to work with you. Estaría muy emocionado de trabajar con ustedes y dispuesto a demostrarles todo mi potencial. Saludos.
Hi I am quite keen on your project. Spanish is my mother tongue, I completed my secondary studies in Lima and moved to Australia shortly after that and have lived in Sydney for quite some time. I am quite comfortable w Lagi
Hello! I have entered my application on the page, as reported in the proposal. I appreciate the opportunity. Regards! María Valeria.
Hello! I'm new here and I don't have experience as a freelance writer yet, but I'm a native Spanish speaker and I can understand and write texts in English as well. Now that I have a lot of free time, I'd be interested Lagi
i love to write and i have some time.. It would be muy first experience but I would be very excited


text:
Icon Vehicle Dynamics 2000-2004 Ford F250 / F350 Superduty 3" Lift Hanger System (33000-99)
This 3" system is designed to lift your Ford super Duty 3" in front to provide room for 305/70R16 tires. This system drops your stock springs 3", which allows for 3" of lift while maintaining the stock spring rate. This system comes with a 1" bump stop spacer (not pictured) to prevent spring fatigue during the suspension cycle. This system is the ideal for leveling an F 350
Technical Specs:
- 20% Increase in Wheel Travel
- Less body-roll than stock truck
- Isolates Stock springs for Factory Like Ride Quality
- Clears 34" Tall Tires
- No change in towing capacity
- No drive shaft modifications needed
- 100%Bolt-on system - no drilling,cutting or welding necessary for install
- Made in the USA
System Contains:
- 3-3000 - 3" Front Hanger and Shackles w/ Bash Bar (01-04 FSD Only)
- 3-31 - 1" Bump Stop Spacers
Vehicle Make
Vehicle Model
Vehicle Year
2000, 2001, 2002, 2003, 2004
Special Fitment Notes
Manufacture Part Number
Part Number
Free Shipping
Icon Vehicle Dynamics
Installation Difficulty
Installation Instructions
Not Available
Compare Products
You have no items to compare.


text:
Quick Look
Property brokered by
Get more listing details on brokerage site
Presented By:
Maria E. Wade
(734) 845-6122
Email Agent
Maria E. Wade
(734) 845-6122
Email Agent
Property DetailsTO BE BUILT - DEXTER CROSSING LOT 68 - SEPTEMBER 2017 COMPLETION. The popular Geddes floor plan built by Peters Bldg. Co. offers 4 bedrooms, 2.1 baths, gourmet kitchen with granite, hardwood, great room with vaulted ceiling & gas fireplace and tiled bathrooms. Master bedroom has private bath with soaking tub, separate shower & double sinks. Walkout basement with 6' doorwall, egress windows & rough-in plumbing for future finish. Great opportunity to still make finish choices for this home! Call listing agent for details. Home & finishes shown in photos may vary from home to be built.
Area Recent Sales
Area Detailed Information
Area Schools
Area Weather
Area Cost Index
Mortgage Calculator
Additional Property InformationThis single family listing located at 3552 Lexington Circle, Dexter, MI boasts four bedrooms, two bathrooms and one partial bathroom. The property is currently priced at $362,900.
This property is presented by Maria E. Wade of Charles Reinhart Company located in Michigan.


text:
%@ Page Language="C#" AutoEventWireup="true" CodeBehind="default.aspx.cs" Inherits="silverlightdata._Default" %>
This example application shows how to manage a simple image database through a
Silverlight application. It is hosted on Mono. Editing, deleting or uploading images is only
allowed if you are logged in as an admin; you can click the buttons but nothing will happen.
For more information, see my blog post.
Log out


text:
Εξερευνήστε σχετικά θέματα
The ultimate guide of things to do in Galveston Texas, it's not just somewhere you can go on a cruise! With everything from an indoor rainforest to an awesome waterpark, there's so much more than just cruises out of Galveston!
Looking for things to do in Galveston, Texas with kids? Galveston has a fun, laid back atmosphere that makes it a great place to visit as a family. Get fantastic vacation tips and ideas in the Scary mommy travel guide! summer | spring break | parenting advice
Planning a trip to Galveston Island, Texas? Here are 14 not to be missed things that you should add to your itinerary! via @sugarandsoulco
Make the most of a visit to Galveston, Texas, a popular tourist attraction.
cheap and free things to do in and near Galveston
Next time you're planning one of the cruises out of Galveston, book a day or two to try out one of these awesome things to do in Galveston, TX! There's more to do than just go on cruises from Galveston!
36 Hours in Galveston, Tex. - The New York Times
15 Best Restaurants in Galveston| Sand 'N Sea Properties LLC, Galveston, TX #sandnseavacation #vacationrental #sandnsea
The best places to visit in Galveston…in two days | Roadtrippers
Shell guide to the Gulf of Mexico beaches!


text:
(South Elgin, IL) - The South Elgin Police Department announced the results of a Roadside Safety Check (RSC) conducted in the late evening hours of August 19, 2016, until the early morning hours of August 20, 2016.
The safety check was held on LaFox Street at Stone by members of the South Elgin Police Department.
Alcohol and drug impairment are significant factors in nearly 40 percent of all fatal motor vehicle crashes in Illinois. RSCs are designed to remove alcohol or drug impaired drives from the roads; however, if other violations are observed such as driving with a suspended or revoked license, operating a vehicle without valid registration or insurance, or safety belt infractions, enforcement action may be taken. The following citations were issued at the safety check:
Equipment Violations - 7 Warnings
Insurance Violations - 3 Citations
Seatbelt Violations - 1 Citation
2 arrests for Driving Under the Influence (DUI)
1 warrant arrest
Total Citations Issued - 9
Total Warning Tickets Issued - 12
This project is funded through the Illinois Department of Transportation, Division of Traffic Safety.
This item was posted by a community contributor. To read more about community contributors, click here.


text:
No public recommendations added yet.
V A Mayekar
Address: 12 Ranvir Sadan, Dr.ambedkar Road, Parel, Mumbai, Maharashtra, 400012
Phone number: 22 - 24308466Post A Recommendation Bookmark this Business Claim this Business
how to find V A MayekarClick To View Location
Vote For V A Mayekar
The voting system is a way for customers of V A Mayekar to change its popularity at Start Local. You may vote for or against V A Mayekar and your vote will affect its score on Start Local.
If you vote positively for the business you may also choose to leave a public recommendation to tell other people about your great experience with the business.
Note: A negative vote will count against this business's score but will not be displayed publicly. Read here for more info on voting.
Have you already registered with us?
We just need to know if you've already registered with Start Local? If so you should have already selected a password and validated your email address. If not, don't worry it's easy and will take less than 40 seconds.


text:
Sadek and Cooper Law Offices, LLC 50 ReviewsExtremely helpful
Sadek and Cooper is extremely helpful and professional. I was pleasantly surprised how easy it was to file and get everything done. I truly am grateful to them.
Petrelli Law, P.C. 6 ReviewsAlways available
I highly recommend Tom to everyone. The staff was really kind and very polite. He always made himself available to us and was quick to respond. His expertise and knowledge in his field helped to put me at ease with my situation. In the end I was able to get what I wanted.
Rosemarie R Williams Esq 1 ReviewsBest Mortgage Broker in New Jersey
Purchased a house with R&J Mortgage & Loan Brokers and would highly recommend them again. Confident, reliable and empowering group of people that will meet the your needs. They are very attentive to details, extremely accommodating and very accessible. They are able to shop around for you and their primary goal is to make sure you are satisfied. You will not find anything better on the market. Great ways and connections to get the best deals done. Highly recommend if you want to have great rates and no headaches.
Law Offices of Edward Shaughnessy 3 ReviewsExcellent Work
The Law Offices of Edward Shaughnessy have done really great work for me. I could not have asked to work with anyone better. Ed does a wonderful job keeping me informed and explaining everything to me every step of the way.
The Altman Law Firm, LLC 3 Reviewsvery thoughtful advice
Johnathan and his team provided us with very thoughtful advice that helped us through our case. They couldn't do a thing to improve.


text:
April 4, 2012 - AirDown v1.0.0 Released
We have finally launched our first app today on the iOS App Store.
Air Down is a set of utilities aimed at enhancing the enjoyment and safety of your off-road experience. At it's core is a powerful vehicle customization engine that allows you to recreate your off-road vehicle or design the one of your dreams.
The clinometer tool, available in trial mode and for in app purchase once the trial time has expired, allows you to track your off road activity on a single screen.


text:
These slides originated from my graduate course on brain imaging at UWO. They are intended to provide
1. An introduction to functional magnetic resonance imaging (fMRI), with an emphasis on design and analysis, for students who are new to the field.
2. A reference for experienced users (particularly the brain anatomy sections).
3. Information for collaborators visiting Robarts Research Institute to assist them in planning well-designed and practical experiments on our system.
Presentations were updated on May 1st, 2015
1: MRI Introduction, Physics, and Safety
2: From Neurons to BOLD: Origins of the fMRI Signal
3: fMRI Data Preprocessing
12: Brain Areas and Topography
13: Cortical Sulci
Supplementary: How to Lie with fMRI Statistics


text:
Report from a Moving Island in the Bering Sea
Expand Messages
- A few notes on fall migration from a ship in the eastern Bering Sea. In
addition to the expected alcids, tubenoses, and larids out here, since
leaving Dutch Harbor on 16 August we've had several notable shorebird and
passerine migrants flyby or land on board.
Shorebirds on the move this week include: PACIFIC GOLDEN-PLOVER, WANDERING
TATTLER, Tattler sp., RUDDY TURNSTONE, and a lone BRISTLE-THIGHED CURLEW
that flew by the ship yesterday (8/30) while we were ~90 miles west of Cape
Newenham. Most shorebirds have come in to check out the ship, done a few
laps and then left. Several flocks of turnstones have spent over an hour
with the ship�doing laps, but never landing.
On 30 August good numbers of geese were on the move while we were 90-100
miles west of Cape Newenham. I estimated that 600-800 in small flocks flew
by the ship in the morning hours, heading south. Most that came close enough
to be identify were BRANT. One flock was a group of CACKLING GEESE. A few
NORTHERN PINTAILS were on the move as well.
This morning (8/31) a HORNED LARK (ssp*. flava*, the breeding race from
eastern Russia) landed on board. (We were about half way between Cape
Newenham and St. Paul Island.) Before the Horned Lark chose its perch I
watched it fly around the ship for a few minutes with a smaller mystery
passerine. It was a small sparrow-like jobby, about the size of a Savannah,
but with a longer tail. That's all I could get on it and unfortunately after
a few laps around the ship it flew off without landing.
Another interesting hitchhiker was a GOLDEN-CROWNED SPARROW which spent two
days on board (29-30 August). During its two days on board it dabbled in
piscivory, dining on juvenile Pacific sandlance on the back deck. It was
gone this morning.
An ORANGE-CROWNED WARBLER spent about an hour on the ship on 25 August. I've
posted a few photos of these birds on
Good birding,
Aaron Lang
[Non-text portions of this message have been removed]
Your message has been successfully submitted and would be delivered to recipients shortly.


text:
Working Capital Solutions. Marc Huijben Laurent de Coster International Business Week October 2012
- Easter McCarthy
- 2 years ago
- Views:
1 Working Capital Solutions Marc Huijben Laurent de Coster International Business Week October 2012
2 Our Team at the conference Agenda ING Working Capital Solutions - Introduction WCS Products Supply Chain Finance WCS Products Factoring Q&A
3 2 Current financial climate has put working capital management on the agenda Scarcity of liquidity Stricter regulations Economic downturn Liquidity is scarce and banks are deleveraging Spanish rescue 100 billion Falling down Basel III and regulation of FI s are constraining capital and lending Economic environment pressures profitability Will Greece leave the Euro? Will the Euro survive? Is China slowing down? Working capital management has moved to the top of the agenda Treasurers seeking ways to unlock funds trapped in O2C and P2P Banks focussing more on flow and trade products
4 3 The Dilemma I want to pay late! I want to collect early! Collection Date Payment Date Buyer Supplier
5 Net cash tied up in working capital impacts the short term liquidity and operational efficiency Order Received Cash Received Forecast to Fulfill (Inventory) Order to Cash (Receivables) Timeline Purchase to Pay (Payables) Net Cash Tied up in W/C Order Placed Cash Paid Out 4
6 ING WCS Products help you close the cash gap in working capital Order Received TRPP / Factoring Solutions Cash Received Forecast to Fulfill (Inventory) Order Order to Cash to Cash (Receivables) Timeline Purchase Purchase to Pay to (Payables) (Payables) Net cash gap is narrowed by WCS products Net Cash Tied up in W/C Order Placed Supply Chain Finance Cash Paid Out 5
7 TRPP/Factoring and SCF are looking at different sides of balance sheet TRPP/Factoring Supply Chain Finance Focussed on the assets side of B/S Single Receivables Purchase Agreement with the seller selling a (diversified) pool of trade receivables Repayment based on a (diversified) pool of trade receivables Focussed on the liabilities side of B/S One Buyer, multiple Receivables Purchase Agreements with many suppliers Client ( Seller ) Client ( Buyer ) Assets Liabilities Supplier X A/R Assets Liabilities Supplier Y Debtor 1 Debtor 2 Debtor n A/R A/R A/R Funded A/P Improved terms A/R Supplier Z A/R Funded 6
8 ING Working Capital Solutions Supply Chain Finance
9 8 How does SCF work? PO 1 I need cash Invoice Buyer 2 Invoice Suppliers SCF platform 1. Send purchase order (business as usual) 2. Send goods/services and invoice (business as usual) 3. Approve invoice and present on platform (This is new) 4. Suppliers needs cash and requests early payment 5. ING pays invoice amount minus a small fee 6. Buyer pays ING invoice amount at due date
10 SCF principles Suppliers (which typically have a worse credit rating than the Buyer) have the option to sell their trade receivables on the Buyer to ING: - before maturity, thereby getting access to non-recourse liquidity on-demand - at a discount based on the Buyer s rating, resulting in lower financing cost Method of working capital enhancement The Buyer: - can monetise the value created for its suppliers by negotiating extended trade payable terms or increased discounts - settles the payment at par of the trade receivables with ING at maturity date ING: - receives a margin reflecting the discount Non-recourse funding to key trade suppliers of ING Corporate clients Principles Repayment relies on the relatively stronger credit quality of the Buyer Robust legal, accounting and tax framework Operate through a dedicated web-based platform -> Easy access for all! 9
11 Supplier segmentation mechanism Typically an investment grade Buyer purchases over 70% with non-investment grade suppliers The larger the difference in funding costs between Buyer and Suppliers, the more value can be created 600 Investment grade Buyer Non-investment grade Suppliers 7% 500 Spend 6% 400 Cost of Funds 5% Supplier s average funding cost 300 4% 3% Funding cost differential 200 2% Buyer s funding cost 100 1% 0 AAA AA+ AA A+ A A- BBB+ BBB BB+ BB AA- BBB- BB- B+ B B- 0% 10
12 SCF benefits for buyer and suppliers Buyer s benefits Supplier s benefits Improved terms of trade by - negotiating extended payment terms and increased discounts - standardisation of terms; payment frequency Automation of payments to key suppliers Reduction of operational and payment costs: one single direct debit for total of maturing payments Improved global supplier relationships Liquidity on demand provided by sale of trade receivables before maturity Diversification of funding sources Competitive funding rate Off balance, non-recourse funding, ratio improvement Reduction/elimination of credit risk on Buyer and possible savings in credit insurance Transparency and information: cash flow forecasting and certainty (full insight in payment status); reconciliation tool; early dispute warning 11
13 ING Working Capital Solutions Factoring
14 Products of ING Commercial Finance 1 Financing 2 Credit management 3 Services Credit insurance 1. Financing 3. Credit Insurance Commercial Finance 2. Credit management 2. Debtoradministration
15 Simplified Factoring process The Debtor Our Client Our fee Factoring company 1. Clients delivers product to debtor 2. Client transfers invoice to ING 3. ING pays invoice to client (20% discount) 4. Debtor pays invoice to ING 5. ING pays remaining amount less fee to client 14
16 Factoring principles Recourse Method Financing of a granular or a non-granular pool of trade receivables Financing will be made available through overdraft-facility Non-recourse or recourse structures, ranging from simple to tailor-made Principles All in invoices are in scope if delivery/performing of product/service is eligible and final Don ts: project financing, BtoC, registred contractors and Intercompany Local structures in main European countries, which can also finance/service receivables from other countries Selection of debtors possible (concentration up to 30%) Full cash dominion by ING Commercial Finance 15
17 Key benefits for client Funding Client - Diversification of funding sources, potentially in addition to clean lending limits (Carve out) - Asset based funding allows competitive pricing - No Finance limit: financing follows growth of the company - Financing is based mainly on quality of portfolio (Secured Financing) - Direct access to cash stuck in receivables Off-balance sheet possibility - Improved financial ratios and potentially lower syndicated facility pricing grid Simplicity - Flexible structure from simple to tailor-made - Simple features and follow up Credit management tool - Management information by Creditview - Possibility to outsource the servicing of the trade receivables - A credit insurance with 100% coverage 16
18 ING WCS Products help you close the cash gap in working capital Order Received TRPP / Factoring Solutions Cash Received Forecast to Fulfill (Inventory) Order Order to Cash to Cash (Receivables) Timeline Purchase Purchase to Pay to (Payables) (Payables) Net cash gap is narrowed by WCS products Net Cash Tied up in W/C Order Placed Supply Chain Finance Cash Paid Out 17
19 Questions & Answers 18
Receivable-based finance
Receivable-based finance Michel Jansen CFO Clondalkin Amador Malnero ING Working Capital Solutions 0 Agenda Clondalkin s refinancing and the added value of using receivables Michel Jansen Clondalkin DeepMore information
Laurent De Coster Head of Sales Management Factoring, more than just a financing solution
ING Commercial Finance BeLux Laurent De Coster Head of Sales Management Factoring, more than just a financing solution Contents Inhoud Introduction Factoring market evolution Factoring in Europe ProductsMore information
Supply Chain Finance. 16 June 2009 Brussels
Supply Chain Finance 16 June 2009 Brussels 2 Avarina Miller Senior Vice President Demica Ltd, London 3 About Demica UK based specialist in working capital solutions with current focus on trade receivablesMore information
Citigroup Global Transaction Services
Citigroup Global Transaction Services Cash Management Trade Services and Finance Securities and Fund Services Uncovering the Hidden Value in Accounts Receivables Olivia Xu Director, NA Trade Sales KateMore information
NEW MODELS FOR SCF THOMAS FAKHOURI BASWARE FINANCING SERVICES SUPPLY CHAIN FINANCE THE WORKING CAPITAL OPPORTUNITY Today s supply chain finance solutions typically: Offer access to advantageous financingMore information
Xynergy Commercial Capital LLC
Xynergy Commercial Capital LLC How Can Work For You The Problem Short of cash and must pay suppliers, lease, bills and salaries? No need for stress, get your payments in advance for your invoices and payMore information
FACTORING AND FORFEITING. the faster way to get your money
FACTORING AND FORFEITING the faster way to get your money 3 CONTENTS FACTORING 4 DOMESTIC FACTORING 5 1. Supplier s factoring (Reverse factoring) 5 2. Selective factoring with right of recourse 6 3. IndividualMore information
Working Capital Improvement through Supplier Finance
Working Capital Improvement through Supplier Finance It s Not Just for Large Corporates Sean Corrigan Senior Vice President Head of Strategic Trade Solutions Wells Fargo International Trade Services 2015More information
International Sales Finance Solutions
International Sales Finance Solutions Global Transaction Services Cash Management Trade Services and Finance Securities Services Fund Services International Sales Finance Solutions Financing Tools to SupportMore information
An Introduction to the Financial Supply Chain. Mapping the processes and finding the opportunities
An Introduction to the Financial Supply Chain Mapping the processes and finding the opportunities Table of Contents Project definition Objectives Scope and approach Key concepts Supply chain definitionsMore information
Supply Chain Finance Overview. January 2013
1 Supply Chain Finance Overview January 2013 What s in a Name? What is Supply Chain Finance? What does it really mean? Financial Times: Supply chain finance allows a supplier to sell its invoices to aMore information
Trade Receivables Solutions
Trade Receivables Solutions With GSCF, you can improve your working capital without compromising relationships in your supply chain. Our Trade Receivables Solutions let you shorten your and extend theMore information
Trade Finance Update for Multinationals and Financial Institutions
Trade Finance Update for Multinationals and Financial Institutions A Discussion on Recent Developments in Trade Finance Presented by: Ricardo Martinez, Partner, New York Lloyd Winans, Partner, New YorkMore information
3. Seasonal or cyclical working capital to finance the temporary cash shortfalls due to the nature of the firm s normal business cycle.
11.437 Financing Community Economic Development Class 5: Working Capital Financing I. Three different meanings of term working capital 1. Excess of current assets over current liabilities 2. Firm's investmentMore information
INVENTORY. Merchandising Firms COST OF GOODS SOLD. Traditional bookkeeping uses separate accounts for different types of transactions
Merchandising Firms Principles of Accounting Created 2005 By Michael Worthington Elizabeth City State University INVENTORY Traditional bookkeeping uses separate accounts for different types of transactionsMore information
C&I LOAN EVALUATION UNDERWRITING GUIDELINES. A Whitepaper
C&I LOAN EVALUATION & UNDERWRITING A Whitepaper C&I Lending Commercial and Industrial, or C&I Lending, has long been a cornerstone product for many successful banking institutions. Also known as workingMore information
Citi s Trade University
Citi s Trade University Joint Webinar with World Trade Magazine Retailing and the Financial Supply Chain the Links to Success Thursday, June 21st, 2007 11:00 a.m. to 12:00 p.m. (Eastern Time) This presentationMore information
THE EVOLUTION OF THE FINANCIAL SUPPLY CHAIN WORKSHOP: EUROPEAN SUPPLY CHAIN FORUM EINDHOVEN UNIVERSITY OF TECHNOLOGY NOVEMBER 2013 By DIRK E. DRIESSENS MAE, MBA 1 The Solutions to Finance Working CapitalMore information
Unlocking the Value through Supply Chain Finance Erste Group Banca Comerciala Romana Mannheim, 3rd of May 2012
Unlocking the Value through Supply Chain Finance Erste Group Banca Comerciala Romana Mannheim, 3rd of May 2012 Valentin Galatanu Executive Director Transaction Banking Unlocking the Value through SupplyMore information
Enhancing Supply Chain Finance with Bank Payment Obligation (BPO)
Enhancing Supply Chain Finance with Bank Payment Obligation (BPO) Peter Chin Sibos 2013 Dubai September 17, 2013 Copyright 2001 2013 Premium Technology, Inc All Rights Reserved BPO Enhancing Open AccountMore information
Understanding Fixed Income
Understanding Fixed Income 2014 AMP Capital Investors Limited ABN 59 001 777 591 AFSL 232497 Understanding Fixed Income About fixed income at AMP Capital Our global presence helps us deliver outstandingMore information
WELCOME! Introduction. Celebrating. &PrimeRevenue. PrimeRevenue Hong Kong. 2012 PrimeRevenue, Inc.
WELCOME! Introduction Celebrating Ethe Factor Network establishment of &PrimeRevenue PrimeRevenue Hong Kong 2012 PrimeRevenue, Inc. Global Reach Today, we transact business in 50 countries Our platformMore information
Trends in Supply Chain Finance
Trends in Supply Chain Finance SupplierPay Meeting 17 November 2014 David Gustin Managing Director, Global Business Intelligence Co-founder, Trade Financing Matters Copyright 2014 Global Business Intelligence.More information
Unlocking cash in your supply chain
Unlocking cash in your supply chain Rabo Supplier Finance Supplier Finance 1 Supplier Finance Improved stability in the supply chain 2 Supplier Finance process Four steps to Supplier Finance 3 SupplierMore information
Working Capital Management - Create Liquidity, Get Paid Early
Working Capital Management - Create Liquidity, Get Paid Early Drew Hofler Sr. Manager, Working Capital Solutions Ariba 2009. Ariba, Inc. All rights reserved. Working Capital Management User Group SessionMore information
Supply Chain Finance solutions a win-win proposition for Corporate Clients and their suppliers
Supply Chain Finance solutions a win-win proposition for Corporate Clients and their suppliers Prague, 30.10.2014 Page Agenda 1 2 Introduction Corporate Solutions approach Supply chain finance - an importantMore information
Shift from Letters of Credit to Open Account using Electronic Supply Chain Management Tools
Shift from Letters of Credit to Open Account using Electronic Supply Chain Management Tools Christopher A. Conn Senior Business Manager Trade & Supply Chain Management Americas Banking Initiatives SWIFTMore information
BAFT-IFSA. BAFT-IFSA Product Definitions for Open Account Trade Processing and Open Account Trade Finance
BAFT-IFSA Product Definitions for Open Account Trade Processing and Open Account Trade Publication Date: December 13, 2010 (Original) / REVISED May 2011 and Open Account Trade Section 1: Introduction BanksMore information
LESSON 13: FACTORING THEORETICAL FRAMEWORK Lesson Objectives To understand the Concept of Factoring. Methodology of Factoring and Forfeiting. Types of factoring. Introduction Receivables constitute a significantMore information
Simply put, factoring is a transaction where a company sells its invoices at a discount in exchange for quick funds.
Imagine your growing business just made a six-figure sale to a company across the country. The problem? The buyer has 60 days to pay, but your cash flow is limited, meaning you can t afford the immediateMore information
The structure and use of loan products Most businesses use one or more loan products. A company may have a syndicated loan, backstop, line of credit, standby letter of credit, bridge loan, mortgage, orMore information
Chapter 04 - Accounting for Merchandising Operations. Chapter Outline
I. Merchandising Activities Products that a company acquires to resell to customers are referred to as merchandise (also called goods). A merchandiser earns net income by buying and selling merchandise.More information
Supply Chain Finance Program for capital efficiency optimization at Siemens Siemens AG 2015. All rights reserved. siemens.com
, March 18 th, 2015 Supply Chain Finance Program for capital efficiency optimization at Siemens Siemens` Global presence Close to customers all over the world 10.9 115,000 69 Revenue (in billions of )More information
Accounts Receivable and Inventory Financing
Accounts Receivable and Inventory Financing Glossary Accounts Payable - A current liability representing the amount owed by an individual or a business to a creditor for merchandise or services purchasedMore information
Sustainable financing solutions at times of crisis How to finance your business through factoring? Bucharest, October the 6-th, 2009
Sustainable financing solutions at times of crisis How to finance your business through factoring? Bucharest, October the 6-th, 2009 Dan Stoica, RomFactor 1 Agenda What is happening with companies in theMore information
Incisive Business Guide to Factoring
Incisive Guide to Factoring Factoring Guide Summary This guide from Incisive outlines the features and benefits for your business from using factoring and invoice discounting services. Factoring is commonlyMore information
Advanced Working Capital Management
Advanced Working Capital Management 2005 Ken Parkinson Treasury Info. Services tisconsulting.com Session #507 1 What is Working Capital Management? Focus on the short term in real time Primary and secondaryMore information
Working Capital Management
Dr. Hendrik Vater, CFO DHL Supply Chain Southern Europe Working Capital Management Current Trends and Success Factors in Working Capital Management Results of the ICV Practice Group Working Capital ManagementMore information
Demystifying supply chain finance*
Advisory Demystifying supply chain finance* Insights into the what, why, how, where and who Table of contents The heart of the matter 2 The emerging Supply Chain Finance (SCF) tool set. An in-depth discussionMore information
To enable highly rated corporate borrowers to diversify their sources of short term borrowings.
COMMERCIAL PAPER (CP) CP is an unsecured money market instrument issued in the form of a Promissory Note and was introduced in 1990. Can now be issued in Dematerialised form. To enable highly rated corporateMore information
BASIC FINANCIAL ANALYSIS. Yves HEIJMANS
BASIC FINANCIAL ANALYSIS Yves HEIJMANS 1 Agenda Solvability (balance sheet) Liquidity (balance sheet) Profitability (profit & loss statement) Other financial ratios Ratings Practice 2 Balance sheet AssetsMore information
Overview of Financial Solutions
Overview of Financial Solutions The Etra Advisory Group provides solutions to businesses for growth, expansion, cash flow, refinance and acquisition. We cover the world of business financing that banksMore information
UNLOCKING VALUE IN THE WORLD OF CONNECTED COMMERCE MORGAN STANLEY EUROPEAN TECHNOLOGY, MEDIA & TELECOM CONFERENCE 2015 NOVEMBER 11, 2015 IMPORTANT NOTICE The following information contains, or may be deemedMore information
Mastering working capital to build financially sustainable supply chains: A research perspective
Mastering working capital to build financially sustainable supply chains: A research perspective Simon Templar I would like to acknowledge the assistance of the International Supply Chain Finance CommunityMore information
Optimizing Payment Cycles for Trade Payables and Receivables
Optimizing Payment Cycles for Trade Payables and Receivables Houston Treasury Management Association Space City Cash Conference September 2013 Madeline Sprague, HSBC Bank USA, N.A. Global Trade & ReceivablesMore information
Bill Discounting. Exporter. Importer BANKING AND TRADE FINANCE TUTORIAL. Importer s Bank. Exporters Bank INDIA FOREX ADVISORS.
Bill Discounting While discounting a bill, the Bank purchases the bill receivable to the Exporter (i.e. Bill of Exchange or Promissory Note) before its due date and credits the value of the bill to theMore information
Simple synthetic securitisation
pggm.nl Simple synthetic securitisation Why and how we invest in synthetic balance sheet securitisations Introduction On 30 September 2015 the European Commission (the EC ) presented its Action Plan onMore information
Flashcards for Chapter 6 Introduction to Working Capital Management [ ]
Flashcards for Chapter 6 Introduction to Working Capital Management [ ] [Type the abstract of the document here. The abstract is typically a short summary of the contents of the document. Type the abstractMore information
Factoring as an Alternative Trade Finance Instrument in a Competitive World
Factoring as an Alternative Trade Finance Instrument in a Competitive World 22 November2013 Peter Brinsley Director, POINT FORWARD LTD Peter Brinsley - credentials 21 years in factoring Now a freelanceMore information
HOW TO IMPROVE CASH FLOW WITH INVOICE FINANCE. September 2015
HOW TO IMPROVE CASH FLOW WITH INVOICE FINANCE September 2015 Contents 1. What is invoice finance? 2. What is The Invoice Market? 3. Why does it take large companies so long to pay invoices? 4. InvoiceMore information
THE EVOLVING FACE OF FACTORING. By Harvey S. Gross
THE EVOLVING FACE OF FACTORING By Harvey S. Gross There is a common belief that companies factoring their receivables do so only when they are in trouble. Nothing could be further from the truth. SinceMore information
Alternatives for Working Capital Financing
Alternatives for Working Capital Financing Advisory Day AG is authorised under German Banking Law (competent authority: BaFin - Federal Financial Supervisory Authority) and authorised and subject to limitedMore information
OBIEE 11g Pre-Built Dashboards from Oracle Courtesy: Oracle OBIEE 11g Deployment on Vision Demo Data FINANCIALS
FINANCIALS General Ledger The General Ledger module provides insight into key financial areas of performance, including balance sheet, cash flow, budget vs. actual, working capital, liquidity. DashboardMore information
Factoring in Turkey. Çağatay Baydar General Manager of TEB Faktoring A.Ş. Vice Chairman of FCI
Factoring in Turkey Çağatay Baydar General Manager of TEB Faktoring A.Ş. Vice Chairman of FCI Factoring in Turkey First factoring company established in 1990 Today; around 75 factoring companies MinimumMore information
Corporate Financing: Diversification of Funding Sources
Rolf Michon, Managing Partner, and Richinel van Aanholt, Consultant, Orchard Finance Consultants This article discusses four measures a company can take to increase the availability and continuity of financing:More information
APPENDIX Business Description Current Position of Company Financing Request
APPENDIX SAMPLE BUSINESS PLAN Introduction Business Description A brief description of your business; product type, industry and target market and competitive position as compared to your rivals CurrentMore information
Corporate and Investment Banking. Open Account Trade Finance Solutions
Corporate and Investment Banking Open Account Trade Finance Solutions Open Account Trade Finance Solutions Standard Bank your trade partner in, for and across Africa Open Account Trade Finance SolutionsMore information
The importance of insurer solvency. January 2013
The importance of insurer solvency January 2013 Contents Introduction... 3 Status of this guide... 3 Insurers financial security is important... 4 Transparency requirement... 5 Why doesn t the SRA do moreMore information
THE CONCEPTUAL FRAMEWORK OF FACTORING ON SMALL AND MEDIUM ENTERPRISES Minaxi Rani Assistant Professor (Extn.), Department of Commerce, Govt. College for women P.G. College, Hisar, Haryana, (India) ABSTRACTMore information
The Evolution of Factoring: New Competition for B2B Payments
The Evolution of Factoring: New Competition for B2B Payments Presented by Sarsha Adrian, Senior Consultant Graber Associates LLC 1 Graber Associates LLC Founded in 2002 Financial Services and TechnologyMore information
Supply Chain Finance. Theory, Practice, and Perspectives. 20 November 2013
Focusing on creating value to its members through shared solutions development and implementation Supply Chain Finance Theory, Practice, and Perspectives 20 November 2013 Powered by: Overview / AgendaMore information
YOU WANT TO. Copyright 2014 ADP, LLC. Proprietary and Confidential.
YOU WANT TO 2 BUT THERE ARE CHALLENGES 1 2 4 3 1 PWC s most recent Global Economic Crime Survey (2011) 2 Source: ACFE. 2012 Report to the Nations on Occupational Fraud and Abuse. 3 2013 Invoice and WorkflowMore information
Short-term investments (also known as marketable securities) are easily convertible to cash that a company plans to hold for a year or less.
Accounting Fundamentals Lesson 5 5.0 Receivables & Investments Short-term investments (also known as marketable securities) are easily convertible to cash that a company plans to hold for a year or less.More information
Trends in Supply Chain Finance
Trends in Supply Chain Finance Buckeye Financial Forum John Loy April 2015 Agenda History of Supply Chain Finance The underlying economics why it works Current trends Industry Geography Structures FutureMore information
Solution Summary: Payments centralisation
Solution Summary: Payments centralisation Companies of all sizes, across a wide range of industries, profiles and geographies are increasingly seeking to centralise business support functions such as finance,More information
Obdam, the Netherlands, April 28, 2012. Business Plan. For optimal working
Obdam, the Netherlands, April 28, 2012 Business Plan For optimal working capital 2 Credit Sales CONTENTS 1. Introduction 3 2. Objective 3 3. Factoring 3 4. Team 6 5. Funding 6 6. Pledge for funders 7 7.More information
B2B Payments New World
The Essentials of Procure-to-Pay Pay Patrick S. Lyons Vice President, Spend & Payment Solutions BMO Financial Group B2B Payments New World Trend: Payment Strategies now include all three Payments (ACH,More information
Monetizing Accounts Receivable into Cash
Monetizing Accounts Receivable into Cash How finance executives can protect against extended payment terms and improve their working capital in an online marketplace WP White Paper Page 2 Financial executivesMore information
Automating the Settlement Process
Automating the Settlement Process Agenda Discussion Outline Why automate payments Options to achieve automation Selecting a service provider Transforming your payment process Future of electronic paymentsMore information
Going Global Series. Financing Trade Credit
Going Global Series Financing Trade Credit Structured Receivables Financing Alternatives For Exporters July 21st, 2016 Webinar Participants & Panelists Moderator Edwin Bell, PhD Sr. Manager - W.W. Grainger,More information
Innovative forms of purchase and inventory financing
Arno Schneider Executive Director WCF Finetrading GmbH, Munich 10 Arno Schneider WCF Finetrading GmbH Innovative forms of purchase and inventory financing Banks lending has become more restrictive, whichMore information
The Working Capital Cycle in International Trade September 2013. Copyright The Institute of Export and International Trade 2013
The Working Capital Cycle in International Trade September 2013 Copyright The Institute of Export and International Trade 2013 1 Contents Finance During the Business Lifecycle The Working Capital CycleMore information
CARIBBEAN FINANCIAL SERVICES CORPORATION ACCOUNTS RECEIVABLE FACTORING DEVELOPING A REGIONAL PROGRAMME FOR SMALL BUSINESSES CONTENTS 2 Introduction Objective and Target Groups Definition of Accounts ReceivableMore information
Credit Derivatives. Southeastern Actuaries Conference. Fall Meeting. November 18, 2005. Credit Derivatives. What are they? How are they priced?
1 Credit Derivatives Southeastern Actuaries Conference Fall Meeting November 18, 2005 Credit Derivatives What are they? How are they priced? Applications in risk management Potential uses 2 2 Credit DerivativesMore information
Contribution 787 1,368 1,813 983. Taxable cash flow 682 1,253 1,688 858 Tax liabilities (205) (376) (506) (257)
Answers Fundamentals Level Skills Module, Paper F9 Financial Management June 2012 Answers 1 (a) Calculation of net present value (NPV) As nominal after-tax cash flows are to be discounted, the nominalMore information
When Treasury Meets Trade Trade finance as a key working capital optimization tool.
FEBRUARY 2012 When Treasury Meets Trade Trade finance as a key working capital optimization tool. Chris Bozek, Managing Director, Head of Global Trade and Supply Chain Products, Bank of America MerrillMore information
SOLUTIONS. Learning Goal 22 LG 22-1. LG 22-2.
S1 Learning Goal 22 Multiple Choice 1. b 2. d A purchase discount is recorded when payment is made. 3. a The payment is within the discount period, so $5,000.02 = $100. 4. b The discount is ($1,000/.98)More information
Outsourcing Accounts Receivable to Increase Cash Flow
Outsourcing Accounts Receivable to Increase Cash Flow Outsourcing Accounts Receivable to Increase Cash Flow In the current economic environment, small and medium-size businesses are facing unprecedentedMore information
Citi Supplier Finance
Treasury & Trade Solutions North America Trade Finance Citi Supplier Finance Supplier Finance Program for UTC Suppliers The Solution UTC and Citi have entered into a partnership that enables preferredMore information
Chapter 5. Accounting for merchandising operations. Appendix 5A: Periodic inventory system
1 Chapter 5 Accounting for merchandising operations Appendix 5A: Periodic inventory system 2 Learning objectives 1. Record purchase and sales transactions under the periodic inventory system 2. PrepareMore information
Strength. Improve your bank balance
Strength Improve your bank balance About Moneytech Limited Supply Chain Finance Manufacturer/Vendor Distributor/Wholesaler Moneytech is a commercial finance company that improves cash flow for Buyer InventoryMore information
SUPPLY CHAIN FINANCE Promoting Sales Growth through Innovative Financing
SUPPLY CHAIN FINANCE Promoting Sales Growth through Innovative Financing Zurich 19 October 2015 Agenda Presentation 30 min Panel Discussion 30 min Q&A with the Audience 30 min - 2 - Introduction of PanelistsMore information
It is concerned with decisions relating to current assets and current liabilities
It is concerned with decisions relating to current assets and current liabilities Best Buy Co, NA s largest consumer electronics retailer, has performed extremely well over the past decade. Its stock soldMore information
Part of the Deloitte working capital series. Make your working capital work for you. Strategies for optimizing your accounts payable
Part of the Deloitte working capital series Make your working capital work for you Strategies for optimizing your accounts payable The Deloitte working capital series Strategies for optimizing your accountsMore information
Save Money, Save Trees: How Payment Automation Can Sustain Your Agency While Sustaining the Planet
Save Money, Save Trees: How Payment Automation Can Sustain Your Agency While Sustaining the Planet 2010 Presented by: Elavon Financial Services Yves Delisle Assistant Vice President Public Sector SalesMore information
Chapter 6 Statement of Cash Flows
Chapter 6 Statement of Cash Flows The Statement of Cash Flows describes the cash inflows and outflows for the firm based upon three categories of activities. Operating Activities: Generally include transactionsMore information
Finance Effectiveness Efficiency
Business Unit Finance Effectiveness Efficiency An overview Agenda Page 1 Efficiency - An overview 1 2 Our services 7 3 Case study 14 Section 1 Efficiency - An overview 1 Section 1 Efficiency - An overviewMore information
ICAP GROUP S.A. FINANCIAL RATIOS EXPLANATION OCTOBER 2006 Table of Contents 1. INTRODUCTION... 3 2. FINANCIAL RATIOS FOR COMPANIES (INDUSTRY - COMMERCE - SERVICES) 4 2.1 Profitability Ratios...4 2.2 ViabilityMore information
Chapter 5 ACCOUNTING FOR MERCHANDISING OPERATIONS PowerPoint Authors: Susan Coomer Galbreath, Ph.D., CPA Charles W. Caldwell, D.B.A., CMA Jon A. Booker, Ph.D., CPA, CIA Cynthia J. Rooney, Ph.D., CPA WinstonMore information
CIMA F3 Course Notes. Chapter 3. Short term finance
CIMA F3 Course Notes c Chapter 3 Short term finance Personal use only - not licensed for use on courses 31 1. Conservative, Aggressive and Matching strategies There are three over-riding approaches toMore information
2. A service company earns net income by buying and selling merchandise. Ans: False
Chapter 6: Accounting For Merchandising Activities True/False 1. Merchandise consists of products that a company acquires for the purpose of reselling them to customers. 2. A service company earns netMore information
Discounting, Factoring & Forfeiting
Discounting, Factoring & Forfeiting Introduction Bill Discounting Factoring- Meaning & Definition Modus Operandi Terms of Agreement Functions Types of Factoring Factoring Vs Discounting Cost of FactoringMore information
McKinsey on Payments
Volume 8, Number 22 October 2015 McKinsey on Payments Foreword 1 Payments in Asia: At the vanguard of digital innovation Digitization of business processes and the emergence of new platforms for paymentsMore information
Hot Topics Treasury Seminar
Hot Topics Treasury Seminar Supplier financing 18 June, 2015 Discover and unlock your potential 1 Program 1. A WCM Opportunity 2. The Concept 3. Business Case 4. Platforms 5. P2P Process Optimisation 6.More information
Workshop on C&I and Asset Based Lending Principles April 12, 2011. FACILITATOR Patrick B. Trammell
MEMPHIS CHAPTER Workshop on C&I and Asset Based Lending Principles April 12, 2011 FACILITATOR Patrick B. Trammell Workshop Goals: Understand and be able to apply basic evaluation methods for the categoriesMore information
www.pwc.nl Hot topics treasury seminar Supplier finance a very hot topic 13 juni 2013
www.pwc.nl Hot topics treasury seminar Supplier finance a very hot topic 13 juni 2013 Agenda Supplier finance model Accounting for the Buyer Accounting for the Supplier Questions 2 Supplier finance modelMore information
CONSOLIDATED OPERATING RESULTS (AMOUNTS IN MILLIONS EXCEPT PER SHARE, UNAUDITED) TABLE 1 Quarter Ended March 31, Percent Change Net Sales $ 5,854 $ 5,919 1% Costs and expenses: Cost of sales 3,548 3,583More information
BUYING OR SELLING A BUSINESS: A CHECKLIST FOR SUCCESSFULLY NEGOTIATING PRICE Phil Thompson Business Lawyer, Corporate Counsel www.thompsonlaw.ca A COMMON GOAL AND COMMON UNDERSTANDINGS Agreed: Our commonMore information
Payment Factories: different ways of achieving payment efficiency. Jonathan Jordan EMEA Payments Market Manager, Citi Transaction Services
Payment Factories: different ways of achieving payment efficiency Jonathan Jordan EMEA Payments Market Manager, Citi Transaction Services The term Payment Factory is becoming increasingly talked aboutMore information
THE WORKING CAPITAL CYCLE IN INTERNATIONAL TRADE Introduction The working capital cycle is the period of time which elapses between the points at which cash is used in the supply/production process, toMore information


text:
|2006-11-14, 05:01
|Link #162
Somehow I found out
Join Date: Feb 2006
Age: 33
It gets better, but that isn't saying a lot since the first 3 episodes were pathetically bad. There's a fairly sound opinion of the show in my sig </shameless self plug>. It never gets brilliant, but it does get a little more bearable later on, and it's nowhere near the worst thing you could ever watch.
|2006-11-14, 06:09
|Link #164
I desire Tomorrow!
Join Date: Dec 2005
Location: As far away from reality as possible
Age: 35
Kanon isn't much better? LOL
I liked Tsuyokiss, I still do, despite the last episode, I liked Sunao and I like the songs that played during the series. The last episode was bad though...
|2006-11-14, 06:25
|Link #165
Somehow I found out
Join Date: Feb 2006
Age: 33
Kanon's got limited appeal, I think. I enjoy it, but I can understand why many are quite critical of it. I also think, had I not been such a fanboy of the first series all those years ago, or a such a shameless fanboy of KyoAni today, I probably wouldn't be enjoying it as much as I am.
With that said, given the premise I was never expecting anything special from Tsuyokiss, no matter the pre-hype. I was honestly surprised (and somewhat impressed) that it didn't turn out to be a complete crapfest.
|2006-11-14, 07:02
|Link #166
In the Tatami Galaxy ↓
Join Date: Feb 2006
Ouran has the best chance of winning 'best harem anime of the year' for me. Reverse harem is still a field under harem anime, so it's fair game. If YNSH ended decently (with proper closure), however, I would probably make it my best harem anime of the year.
|2006-11-14, 07:36
|Link #170
In the Tatami Galaxy ↓
Join Date: Feb 2006
It was my fault for not clearing it up in the first place. But really, to be entirely honest, this was among the series I've expected to shine this year. So many people have been talking about the popularity of this erogame (?) thus they expected an anime that would live up to the game's standards. I guess it failed.
|2006-11-14, 07:53
|Link #171
I desire Tomorrow!
Join Date: Dec 2005
Location: As far away from reality as possible
Age: 35
I didn't even know there was a Tsuyokiss eroge, I just thought I might try it since it's in the field of what I usually like If it wasn't for the last episode, I think it'd have fared better, the series songs are still some of my favorites.
|2007-01-11, 11:49
|Link #173
Lost in my dreams...
Join Date: Jun 2006
Age: 31
Just finished this .... well.... a huge disappointment probably would be the best way to describe how i feel right about now.
Not that i had any huge expectations to begin with, but this failed to be even medicore imo.
The first few episodes were crap... i don't know, but during the first few eps i felt no drive to continue watching... the only reason i did is because i am stubborn as hell. And since romance is something i like, i decided to stick around and see where this goes.... tho the first 4-5 eps were fairly useless in my book...i was forcing myself to go trough them.
It definitely got better at the middle part... it got good enough to keep me watching with genuine interest, instead of going trough it while grinding teeth. ... imo, this one does not work as a comedy. I have nothing against comedies, but this is one majore failure as a comedy imo. The more serious parts were pretty good though, and that kept me watching.
It could have been a fairly decent watch, provided a good(relatively) ending.... ofc the final episode turned out to be anything but good. It was one big load of bullcrap, and 2/3 of it felt utterly pointless... i had to fight the urge to FF trough the speech she gave on the stage.
Was it a decent anime? ... i am not too sure about that. The middle part is fine, but both ends are rotten. Was it a statisfying watch? Nop. This is not something i would recommend to any one. Imo, time spent watching this is a time wasted. I certainly wouldn't feel like i am missing something should i have skipped it.
|2007-01-11, 12:26
|Link #174
♪~ Daydreaming ~♪
Graphic Designer
Join Date: Dec 2005
Location: Italy
Whereas so-so is opened to interpretations, but generally this series leaves mixed feelings, that's why a best suitable name would be Tsuyokiss: Cool x BitterSweet ^^
Seriously, what captured me into this anime were the opening (Sunao ni Nare nai) and ending (Open) songs. And it can be said that the songs were the main factor along with the shortness of the series, who dragged me until the end of this show. The insert tunes were great as well. I also partially liked Sunao's character, since I like tsunderes , and her voice acting. The story is acceptable/almost nice in some parts, from episode 4 to 11.
All that I've not mentioned (since there's plenty of factors to make an anime) was disappointed. The romance is blunt, some characters are annoying to the extreme, others are flat. The enjoyment too many times goes nearly zero.The arts and animations seemed outdated, if it was a 2003 anime I would have been fine with it, but... we're a bit ahead now.
And yet, if episode 12 had been done better, and despite all, the anime would have gotten a positive rating (where positive is above 6), because the series in the middle was watchable enough, and I can leave eps.1-2-3 as warm up. But really, even the most unskilled screenwriter would have written the last episode better.
As Vexx brilliantly said on one of the posts of this thread, "I'd like to know where to write to have the time I spent on this back"
The best op-ed combo for 2006 as far as I'm concerned remains *shrughs* to this title.
It's a pity though, that the lovely memories of those have to be connected with such a sad landscape.
|2007-01-11, 13:01
|Link #175
I desire Tomorrow!
Join Date: Dec 2005
Location: As far away from reality as possible
Age: 35
I think I said so earlier, but even for the music and the OP-ED songs, I consider my time watching it well spent. Sure the final episode was... well... it was kind of a letdown, but the anime music was worth the watch for me
|Thread Tools


text: TVMÁS HD is the state-owned public broadcaster serving the Mexican state of Veracruz. TVMÁS was established in January 1980 by the Secretaría de Educación y Cultura of Veracruz, after receiving its permit on October 23, 1978. XHGV, a landmark venture into television by state government, was conceived as a center for audiovisual production and educational/cultural broadcasting. Its mandate includes coverage of subjects such as security and civil defense, health and justice, food, economic development, protection of nature and the environment as well as the promotion of civic values within Veracruzan society. It is the sister to the Radiomás state radio network.


text:
On a moonless night in July 1990 I found myself in the middle of a Wiltshire field with a plank, a rope, and... well, you can guess the rest.
— Mike J. quoted in "I Was A Teenage Plasma Vortex"
In yesterday's entry about sand circles, I said that the Circlemakers had, as far as I knew, used the technique first. This induced me to write up their more famous work: crop circles. No matter what the UFOlogists say, crop circles are the work of humans. And most of them were the work of the bad boys of circle making over at Circlemakers.org. (Sorry to suck all the mystery out of the world. Well, not really. I mean the being sorry part, not about the removing the mystery part.) A few years ago I saw a documentary on the Discovery Channel about how they wield their talents and it is both amazing and beautiful. All that sacred geometry comes from using lengths of rope to do the measuring. Who knew?
In their own words:
Doug Bower, assisted by his pal Dave, made his first circle in a Hampshire wheat field sometime during the summer of 1978. They made it on their hands and knees with a four-foot metal bar normally used to secure the back-door of Doug's Southampton studio.
"I'd always been interested in UFOs and flying saucers", he remembers, "...so I thought I'd make it look like one had landed." Whatever initially inspired him - divine guidance, the 1966 circle in a Queensland reed-bed, close to where Doug lived at the time, or simple ale-induced prankishness - the leap from provincial trampler to extraterrestrial super-force was swift.
Doug's daytime work-bench doodles transmogrified by night into gleaming sun-blessed articles of faith. This genius - fast-possessing others - couldn't be re-bottled.
Thousands of circles have since appeared world-wide in wheat, barley, oil-seed rape... grass, oats, linseed, peas, maize, mustard and rye... Gradually, inevitably, the circles grew appendages; curled scrolls unravelled into straw-perfect aisles; simple circles' sets became cathedral-like floor-plans - vast temporary sacred sites morphogenised the Gaiaic cry of nautili, whales, serpents, snails, scorpions, and spider's webs.
Equally spectral were the people who studied them; a veritable zoo of new-scientists, cerealogists, ufologists, vicar's-voiced dowsers, orgone revivalists, channellers, and myriad mystics, all seeking phenomenal genuineness in one form or another.
That genuineness proved elusive. Once wrapped in darkness with the warblers and the rabbits, cold air hitting the throat like mint as they raced around and around and around in decreasing spirals; dew-soaked wheat whooshing and splaying under skidding rollers, crunching under planks; ever-widening swaths laid flat as a mat in their path; Doug, and his many imitators, have since retired unseen.The Circlemakers by Rob Irving
Want to make your own? It isn't hard.
Although the circles have appeared worldwide in wheat, oats, spinach, grass, peas, rice, linseed, maize, oil-seed rape, sunflowers, mustard, barley, sugar-beet, rye, and a multitude of other crops, most cereal artists prefer to concentrate upon just three. These are grown and harvested in a smooth, overlapping progression; oil-seed rape in April through May, barley throughout May and June, and wheat from June until early September. In this guide we will give you all the information you will need to work with these plants, and eventually, with a little practice, produce genuine, dowsable, scientifically proven un-hoaxable circles patterns.
The tools you will need are relatively unsophisticated; a 30 metre surveyors tape - this is preferable to string which tends to tangle easily... a 1-2 metre board or plank with a rope attached to each end to form a loop - this is known as a stalk-stomper... dowsing rods - these should be made of copper, and purchased from an expensive new age shop, or, in an emergency, a couple of bent coat-hangers will do... and a plastic garden roller (available from reputable garden centres, or, if only for occasional use, these may be rented from tool-hire shops for about £2 a night). A luminous watch is also useful as a summer night can be surprisingly brief.Circlemakers guide to making crop circles
The Windmill Hill formation is often cited as being too complicated to have been made by humans. Well, they've got a nice rebuttal to that argument:
According to Silva these formations were tiny - a sixth and tenth of the size respectively compared to the Windmill Hill formation, which he states "dwarfs man made attempts".
The Windmill Hill formation was 375ft across, (It was measured by researcher Paul Vigay, amongst others who created a very accurate scale diagram from his measurements) though it is often inaccuarately cited as being nearly 1000ft across.
Our formation was 200ft across (made by three of us in 2.5 hrs). Matthew Williams' formation was a respectable 218ft across, made in only 2hrs by two people. Not the minute size that Silva alleges.Myth Men By Rod Dickinson
The Sparsholt formation is often cited as "proof" that aliens were making crop circles. Who else, after all, would combine a portrait of an "alien" with "DNA" evidence. (Nobody ever asks why the aliens don't just land on the Whitehouse lawn. Didn't anyone ever see "The Day The Earth Stood Still"?)
It's a massive ring which houses what looks like a 360 degree three-dimensional representation of a twisting DNA strand! According to reports there are 1296 squares that make up the grid that the DNA is laid out on and the formations stretched for over 200ft. Interestingly, the formations center is located between tram lines in standing crop, as you can see from the aerial photos there is no trace in the crop, now how did THEY do that?Circlemakers: Top of the Crops 2002
Posted by Citizen Arcane on March 15th, 2005
Categories: Art & Architecture, Design, Memes & Urban Legends, Photography & Video, Places & Travel, Science & Technology, Mathematics & Geometry
Permalink |


text:
Your browser does not support iframes.
Lancaster County's jobless rate dropped 1.5 percent from 15.7 percent in September to 14.2 percent October, according to the latest figures from the S.C. Department of Employment and Workforce.
The county ranked ninth in the state in unemployment in October.
South Carolina's seasonally adjusted unemployment rate decreased to 10.7 percent in October from a rate of 11 percent in September.
A Rock Hill company will be in charge of replacing the effluent pumps at the city of Lancaster's wastewater treatment plant.
Lancaster City Council voted unanimously Tuesday to award the project to Turner Murphy Construction Co. Inc.
For $775,370, Turner Murphy Construction will install four new 150 horse-power pumps, which send water from the treatment plant to the Catawba River.
Through Dec. 28, BI-LO Charities is teaming up with members of the community to provide food donations for HOPE in Lancaster and the Lancaster Council on Aging to make the holidays a bit brighter for those in need.
When visiting any BI-LO store during the Holiday Hunger Relief Program, shoppers will have the opportunity to help put food on the table of families in their community by buying a box full of groceries for $5.
The evening sun casts an orange glow over the Upstate's Lake Jocassee, while a slight breeze brushes the grass along the Lowcountry coastline.
Students at Indian Land Middle School brought those two Palmetto State settings close to home last week with the help of a statewide-recognized artist.
Let me begin by expressing my enormous respect for volunteer fire departments and the people who man them.
Firefighting is, by its nature, a part-time occupation in that the amount of time spent actually fighting fires is far less than full time and there is a limit to how much time can be spent on equipment maintenance and training. The people who volunteer their time to serve as firefighters deserve our utmost respect and support.
BUFORD – It was closer, but Fort Mill again prevailed over Lancaster to capture the championship in the third annual Jackets Invitational Preseason basketball tournament.
Fort Mill, which defeated Lancaster 73-61 for the 2009 crown, captured a thrilling comeback win over the Bruins to notch the title.
Fort Mill's Jaquan Dupree converted a three-point with 4.6 seconds left for Fort Mill's only lead in the game, but it proved enough to give the Yellow Jackets a 64-63 win over the Bruins.
BUFORD – Six Buford High School standout football players have been honored by Conference IV-AA.
The Jackets players are the team's selections to the 2010 all-region squad as chosen by the conference coaches.
Buford, 3-7, had one senior selection as veteran defensive back Seth Chapman was named to the all-region team.
Chapman notched 64 tackles, with two tackles for loss, a sack, two interceptions and six batted down passes this season.
A Lancaster woman suffered smoke-related injuries after she tried to save her dogs in a house fire Wednesday morning.
The fire started before 8 a.m. at the log cabin home of Rudy and Linda Shipton, the owners of Palmetto Kennels.
Their house, built in 1790, is located behind their business, off Charlotte Highway, just north of the Shiloh Unity Road intersection.
Lancaster County Fire Marshal Stephen Blackwelder said fire officials received the call at 8:12 a.m. about the blaze. The fire began in a bedroom, he said.
Family Features
The holidays are supposed to be filled with love and good cheer, but the logistics of shopping for gifts, sending out cards, taking family trips and shipping packages can leave even the jolliest of people in a Scrooge-like mood.
Fortunately, there are some ways you can take the hassle out of the holidays and make them a little brighter for yourself and those around you.
Copyright © 2017
The Lancaster News is your source for local news, sports, events, and information in Lancaster County and Lancaster, South Carolina, and the surrounding area..


text:
RTMNU Winter 2016 Exam Time Table - Nagpur University Time Table RTMNU Time Table Winter 2016 Nagpuruniversity.org TimeTable Exam Winter 2016 on this website through the pages on this website provides various information as well as either downloaded or sent via email these reports and report material on these Web pages are provided as a service by Nagpuruniversity.org to the public.
Time Table 2016
RTMNU Time Table 2016
Click Here Notification of Winter 2016 Time Table
|Time Table for Winter 2016 examinations
|Faculty of Arts Time Table Summer 2016 Click Here
|Faculty of Commerce Time Table Summer 2016 Click Here
|Faculty of Education Time Table Summer 21016 Click Here
|Faculty of Engineering and Tech. Time Table Summer 2016 Click
|Faculty of Home Science Time table Click Here
|Faculty of LAW Time Table Click Here
|Faculty of Medicine
|Faculty of Science Time Table Click Here
|Faculty of Social Science
|As a service to you, we have relevant content that we think may provide links to other Web sites. However, we make no representations whatsoever about other Web sites that you may access through this one. When you access a non-Nagpuruniversity.org Web site, please understand that it is independent from Nagpuruniversity.org, And that we have no control over the content on the Web site. in addition, a non-Nagpuruniversity.org is a link to a Web site that we support the content, use or products and services made available through such Web site, accept any responsibility for sense.


text:
So you finally decided to take this whole social media thing seriously for your business. Nobody wants to be left behind, and there's no doubt – your business needs to be on social media. You're probably already on Facebook and Twitter – and maybe Pinterest and LinkedIn – but what about some of those other networks you keep hearing about, ... [Continue Reading]
Social Media
Social media offers huge potential for audience growth. But, this isn't a push button strategy. In order to develop your online presence, you'll need to put the time and effort in to make it work. The good news is that below, you'll find the tactics and tools to make social far easier to dominate in your niche. Some folks are driving 1,000s of new visitors from social each month, isn't about time you started to as well?
The Only Tools You Need To Dominate On Pinterest (And Drive Thousands Of Visitors A Month)
Ah, Pinterest. You probably keep hearing about this visual search engine every week, don't you? What's so special about a bookmarking site where you save recipes, tutorials, blog posts and more? Well, besides the fact that some consider Pinterest the second largest search engine next to Google, and that Pinterest can bring in 3x more ... [Continue Reading]
How The Psychology Of Social Networks Can Improve Your Marketing
Have you ever wondered which social networks you should be focusing on? You're not the only one. It's one of the most common questions that bloggers and marketers alike ask me. To help answer this question and provide some important marketing takeaways, we've put together a detailed infographic to help you out. You'll learn about the ... [Continue Reading]
How To Launch Your Own Facebook Group And Get Loyal Fans
Facebook groups are powerful. They're a perfect place to start real conversations about things that matter to you. And because your audience members are already on Facebook (Facebook addiction is a real thing, people), they are far more likely to engage with you and your brand in Facebook groups than they are on your blog. With Facebook ... [Continue Reading]
How To Choose A Twitter Username (Handle) When Yours Is Taken + Name Ideas
Note: this post was originally published in 2014 so we've updated it to include even more tips to help you find a great Twitter username. We've also added a section on how to change your existing Twitter username. So you've decided that Twitter's the right social media network for you, and you're ready to set up your account. You fill out ... [Continue Reading]
How To Drive 3x More Traffic To Your Blog With Pinterest
How many of you think Pinterest is only a place for women to share their latest recipe or DIY project? If the top 30 Pinners are food, fashion, design, and wedding bloggers, it's safe to say it's a scrapbooking paradise for women. So, it's easy to push this visual search engine under the rug because you think this platform isn't for ... [Continue Reading]
The Blogger's Guide To Understanding The Psychology Of Social Networks
You can't escape it anymore. Social media is eating the world. Facebook alone has over 1.5 billion users – nearly 50% of the entire internet's population. Throw in LinkedIn, Twitter, Pinterest, Instagram and region specific social networks like Vkontakte and Sina Weibo and WeChat, and you'd be hard pressed to find anyone who's online but ... [Continue Reading]
7 Best Social Media Management Tools To Save You Time In 2017
When you're running a business, time is money. You can't afford to spend all day crafting tweets and scheduling Facebook updates. When you invest your time in social media, you need to make sure that you're getting the best return on your investment. That's why it's crucial to use some kind of social media management tool. At their most ... [Continue Reading]
How To Build A Winning Social Media Marketing Strategy (With Explosive Results)
You breathe a sigh of relief. Phew! Your blog post is finished. You go over your blogging checklist one more time and hit PUBLISH. You share your post on your Facebook page and then decide to go watch a movie. You might think social media marketing is easy. All you have to do is tweet your post and share it on Facebook and Google+ one ... [Continue Reading]
25 Smart Strategies To Grow Your Twitter Following Fast
Have you ever wondered how to grow your Twitter following? I'm not talking about buying followers or any of that rubbish; I'm talking about growing your following the right way. If so, you're in luck. I've put together an infographic to give you a huge helping hand. Below you'll find 25 sure-fire tips you can use to grow your ... [Continue Reading]


text:
Travis LeDoyt
Clayton Center For The Arts - TN
Maryville, Tennessee
With millions of fans nationwide, Ticket Monster
is your destination for exclusive discounts on
sports, concerts, and theater tickets.
Sign up and never miss a deal!
Enter your email address and we will send you an email with instructions on how to reset your password.


text:
Photo: Instagram
The plus-size model movement has been steadfastly on its way to having a revolution. Faces like Tess Holliday, Jennie Runk, Ashley Graham, and Candice Huffine (the latter two graced the recent viral Lane Bryant body-positive lingerie ad) are changing mainstream body ideals by just existing, so it's only fitting that a game-changing documentary tell their stories. Coming next summer, Jessica Lewis' Straight/Curve will explore the world of plus-size modeling, and discuss the trials and tribulations of the industry's talent.
"The day where we don't get so excited about seeing a plus-size model in a magazine is the day we've made it," model Georgina Burke says in the official teaser for the film.
It's true. It's largely still considered a big deal for a fuller-figured woman to cover a glossy. The insider doc aims to dive deep into what needs to be done to disrupt the thin-centric modeling milieu through the eyes of models, agents, photographers, and clients: larger sample sizes, the removal of plus-size boards and the eventual integration of all models at agencies, and making plus-size model appearances in high profile media a non-event. Lewis says her film is an examination of the relationship between fashion, the media, and body image.
"This generation of models is ready to usher in a new definition of beauty—one that is all inclusive and supports positive body ideals and self-acceptance," Lewis, who has been a straight-size and plus-size model for over 15 years, told Glamour. "The fashion industry needs to be reflective and representative of the diversity that exists in present-day society."
This sounds awesome, and is so necessary. I can't wait to see it. For now, check out the teaser below:
This story originally appeared on MIMIChatter.com
|MIMI Chatter is an endless stream of beauty content. We bring together the must-knows and the how-tos from your favorite sites, beauty influencers, our editors, and YOU.


text:
by Sade
Lord Im going through so much trying to juggle kids,school,and work.Please God let me pass the test I turned in today and please let me pass my final exam for next week. This is going to determine if I get to move forward and soon be at a university finishing up my degree or still in college trying to get pass all the math.I have faith and please Lord help me. Me and my family future depends on this.Its our only way out of poverty. amen
Join in and write your own page! It's easy to do. How? Simply click here to return to Online Prayer Requests.
Click for Inspiration
50 Inspirational Bible Verse Pictures
See What Happens After A Single Act Of Kindness
By The End of This Video, Your Faith Will Be Stronger Than Ever
See What Happens When Someone Pays For A Random Stranger's Groceries
Popular Prayers
Must Reads:
5 Powerful Prayers for Prosperity
Does God Answer Prayers?
8 Prayers You Need to Know by Heart
The Trick to Powerful Prayer


text:
Before we party this week, let's take a peek at 10 reasons for your to skip your housework this week:
Having an almost 4 year old in my house, I'm so glad Holly linked this up!
Kid Chores Guide @ Kids Activities Blog
I love that these bookshelves started as spice racks!
Children's Bookshelves @Huckleberry Love
Would it be wrong to make these up and give them to myself?
Winter White Sugar Scrub @ The Girl Creative
Can't wait to make this with my girl!
Indoor Hopscotch @ I Dig Pinterest
The pom poms on these kinds of projects get me every time!
Monogram Wood Plaque @ The Casual Craftlete
Gina does it again! This looks amazing!
Raspberry White Chocolate Pound Cake @ Kleinworth & Co.
Roasted Garlic & Chicken Tart @ This Silly Girl's Life
Whipped Mocha Tart @ Dieters Downfall
This is a great craft to do with the kids!
Link up below and I'll feature 10 entries each week as my top reasons to skip your housework
and I'll be pinning and sharing the features on all of my social media accounts. Want to check out the features I pin?
Search social media for #skipthehousework and #rtsth
Features = Multiple Exposure for YOU!
So, there are no rules.
Just have fun, and of course, only link up your own stuff – DUH!
Now, join me for…. Skip The Housework Saturday


text:
№6 по английскому языку за 11 класс Н.В. Юхнель, Е.Г. Наумова, Н.В. Демченко
авторы: Н.В. Юхнель, Е.Г. Наумова, Н.В. Демченко
Учебник по английскому языку 11 класс Н.В. Юхнель. Страница 6
c. I don't get on with any of my extended family.
d. I find most of my family incredibly annoying.
e. They will always be there to help you in hard times, and you can always go back there for comfort, advice and help.
f. My dad's an angry, overworked man but I still love him be¬cause he's a fantastic dad.
g. To me, family is the safety net under the "Tightrope walk¬ing act" of trying to navigate life.
h. My two brothers are all right but annoying sometimes.
i. Me and my sister really hated each other growing up but we're cool now.
Work in pairs. Discuss whether you agree or disagree with the statements above.
Look at the words below. What does the suffix -hood mean?
brotherhood, childhood, babyhood, adulthood, fatherhood
Add more words to the list.
Use some of the questions below to prepare to talk about your family.
1. What does your immediate family mean to you? 2. Is your extended family equally important? 3. Do you get on with your siblings? 4. What do you appreciate most about your family? 5. Has anyone in your family passed away? How does it make you feel? 6. Is your family tight-knit?
b) Work in small groups. Tell your partners what your family means to you.
Communicative area: discussing, explaining Active vocabulary: orphanage Active grammar: verb forms


text:
Vehicles equipped with the 2.5L engine use an electric fan for engine cooling. Models with the 4.7L engine incorporate an auxiliary electric fan to aid low-speed cooling. Fan operation is controlled by the PCM through a relay located in the Power Distribution Center (PDC). The PDC is in the engine compartment on the left fender inner shield. The location of the fan relay is given on the inside of the PDC cover.
The fan relies upon several inputs to determine operation, notably the coolant temperature sensor.
The fan will run whenever the engine is running and the air conditioner compressor clutch is engaged.When the air conditioner compressor clutch is disengaged, the fan will run at vehicle speeds above 40 mph if coolant temperature is above 230ºF (110ºC). The same is true of vehicles without air conditioning.The fan will turn off when coolant temperature drops to 220ºF (104ºC).At speeds below 40 mph, the fan turns on when coolant temperature reaches 210ºF (99ºC) and turns off when coolant temperature drops to 200ºF (93ºC).The fan will not run during engine cranking.
- If the fan will not run, the easiest test is to disconnect the fan motor lead and apply 12v across the connector. Note polarity as shown in the illustration. If the fan runs, the problem is in the circuit or upstream components.
- With the ignition and air conditioner ON , check for voltage across the wiring harness side of the fan motor connector. Note polarity as shown in the illustration. There should be 12 volts at the connector. If there is, the problem is the fan motor. If not, suspect the relay, circuitry, or other upstream component.
- The PCM will set a diagnostic trouble code in the memory if it detects a problem in the fan relay or circuit, although a DRB scan tool is required for this analysis. If not available, proceed as follows:
- Check fuses: there is a 10A fuse in the junction block and a 40A maxi fuse in the PDC.
- Locate the fan relay in the PDC (location is shown on the cover). Apply 12 volts (with 14-gauge wire) to relay terminal 87 . If the fan will not run, check for an open condition in circuits C25 or Z1. If the circuits are okay, replace the fan.
- With the ignition key OFF , check for battery voltage at circuit C28 relay terminal 30 . If no battery voltage is present, check for an open or short condition in circuit C28 between the PDC and relay.
- With the ignition key in the RUN position, check for battery voltage at circuit F18 relay terminal 86 . If no battery voltage is present, check for an open or short condition in circuit F18 between the junction block and the relay.


text:
Datacolor Spyder3Studio SR monitor calibrator
Let's not pretend that colour management is fascinating – still, it's not as dull as having to repeatedly colour-correct your work trying to get your screen and printer to play nicely.
Let's not pretend that colour management is fascinating – still, it's not as dull as having to repeatedly colour-correct your work trying to get your screen and printer to play nicely.
A simple USB device that allows the connection of an extra monitor while still using a single graphics card, EVGA's UV Plus (UV-12) is a convenient and inexpensive way to run multiple displays. However, it hasn't been designed for graphically intense applications or gaming.
It's too bad the late George Carlin never updated his classic '70s comedy monologue "A place for my stuff" for the Digital Age. Here's how I imagine it would've gone:
Over the past year we've seen plenty of innovation in the colour-calibration market, with the emergence of combination monitor-and-printer calibration systems such as Pantone's ColorMunki and the Colour Confidence Profiler. The ColorMunki is also capable of being used as a real-world Eyedropper tool.
Need an all-in-one printer for your fast paced mobile lifestyle? Read this review to find out more!
Sponsored by
The latest business news, reviews, features and whitepapers
Visit our shop for the best deals on hot products
Watch our video news and reviews from around the world
Comprehensive buying guides, features, and step-by-step articles
Brother PocketJet PJ-773 A4 Portable Thermal Printer
It's perfect for mobile workers. Just take it out — it's small enough to sit anywhere — turn it on, load a sheet of paper, and start printing.
HP OfficeJet 250 Mobile Printer
The HP OfficeJet 250 Mobile Printer is a great device that fits perfectly into my fast paced and mobile lifestyle. My first impression of the printer itself was how incredibly compact and sleek the device was.
HP OfficeJet 250 Mobile Printer
Wireless printing from my iPhone was also a handy feature, the whole experience was quick and seamless with no setup requirements - accessed through the default iOS printing menu options.
HP OfficeJet Pro 8730
A smarter way to print for busy small business owners, combining speedy printing with scanning and copying, making it easier to produce high quality documents and images at a touch of a button.
HP OfficeJet Pro 8730
I've had a multifunction printer in the office going on 10 years now. It was a neat bit of kit back in the day -- print, copy, scan, fax -- when printing over WiFi felt a bit like magic. It's seen better days though and an upgrade's well overdue. This HP OfficeJet Pro 8730 looks like it ticks all the same boxes: print, copy, scan, and fax. (Really? Does anyone fax anything any more? I guess it's good to know the facility's there, just in case.) Printing over WiFi is more-or- less standard these days.
HP OfficeJet Pro 8730
As a freelance writer who is always on the go, I like my technology to be both efficient and effective so I can do my job well. The HP OfficeJet Pro 8730 Inkjet Printer ticks all the boxes in terms of form factor, performance and user interface.


text:
U480 OBD2 CAN BUS Code Scanner OBDII Engine Code Reader
Please Enjoy 7% Discount on All Categories, Coupon code: DTOOL
2. More items are shipped from UK warehouse, NO TAX
3. New Arrival Best Version Kess V2 and Ktag:
- Shipping:
Free Shipping
Standard Flat Rate Shipping Service
Estimated delivery time: 7-15 working days.See details»
- Weight:
- 320g
- Package:
- 26cm*17cm*4cm ( Inch: 10.24*6.69*1.57 )
- Returns:
- Return for refund within 7 days,buyer pays return shipping.Read details »
- Manufacturer Specifications
- Product's Reviews
- Write a Review
- Related Products
U480 OBD2 CAN BUS Code Scanner OBDII Engine Code Reader
With U480 code reader,you may quickly find out trouble causes (troubleshooter) of electronically controlled systems on your car,by simply connecting U480 with the 16 PIN diagnostic socket,via reading the trouble code (DTC) shown on U480,identifying,locating and checking out trouble causes with attached user's manual.
Works on all 1996 and newer cars & trucks that are OBD II /EOBD compliant including CAN,VPW,PWM,ISO and KWP2000 protocols
Reads and clears generic and manufacturer specific Diagnostic Trouble Codes (DTCs) and turns off check engine light
Supports multiple trouble code requests:generic codes,pending codes and manufacturer's specific codes
Retrieves VIN (Vehicle Identification No.)on 2002 and newer vehicles that support Mode 9 Highly reliable and accurate.
Easy-to-read crystal-clear backlit 2-line LCD display
Easy to use with one plug-in
Stand-alone unit with no need for an additional laptop computer to operate
Small in size and conveniently fits in your palm Performs continuous DTC scan
Safely communicates with the on-board computer
No batteries needed-powered via detachable OBD II cable
Any questions, please don't hesitate to contact us.
Email: email@example.com
After sale service:
Almost all item has one year warranty.
We also offer free fix to almost item we sold within one year,free repair.Man-made damage need pay.
We not offer warranty on keys,cables,adapter,online sent software,please notice it.
After-sales questions and issues: Contact our Customer Service Department. (A customer representative will get back to you).
Please Sign In first if you want to later edit or manage reviews uploaded by yourself.


text:
LANSING, Mich. (AP) An assistant attorney general in Michigan who used his personal blog to attack the openly gay student body president at the University of Michigan has spurred debate about the right of public employees to say terrible things on their own time.
Andrew Shirvell, 30, started a blog in April in which he regularly lambasted 21-year-old Christopher Armstrong as a racist with a "radical homosexual agenda." Shirvell, one of about 250 lawyers in the attorney general's office, has said that when he's not at work, he has a right to say whatever he wants.
First Amendment expert Cliff Sloan said public employers must be careful because the Constitution says government can "make no law abridging the freedom of speech." Still, judges and state officials have some discretion when it comes to dealing with workers, he said.
"While they have a right to free speech, they don't have a right to a public service job," said Sloan, the former publisher of Slate magazine. "Government can set some limits on the appropriate conduct and behavior of their employees."
Free speech is less of an issue in the private sector, where companies have far more leeway to decide what workers can say. Where the line is drawn with government jobs seems to vary from state to state. In Kansas, workers involved in controversial protests have kept their jobs, while those in New Jersey and Nebraska have been fired.
Shirvell took a leave Thursday from his job, which is not a management or supervisory position. He handles cases in which convictions are appealed in federal court, writing defenses for the state. He also has shut down public access to his blog, which now is open to "invited readers only."
A spokesman for Attorney General Mike Cox, who hired Shirvell as a campaign staffer before Shirvell went to work for the state, has said Shirvell could face a disciplinary hearing when he returns. John Sellek said he couldn't say what that hearing might involve, but Cox has said he's troubled that Shirvell videotaped police breaking up a party at Armstrong's Ann Arbor home over Labor Day weekend.
"Part of the video is being outside this young man's house at 1:30 on a Sunday morning. Clearly, I wouldn't recommend that to any state employee to be doing," Cox told The Associated Press.
Kary Moss, executive director of the Michigan chapter of the American Civil Liberties Union, said that while Shirvell has a right to speak his mind, "law enforcement can and should get involved" if he has been involved in criminal harassment and stalking.
Armstrong applied Sept. 13 for a personal protection order, claiming Shirvell has followed him around Ann Arbor since April and heckled him during speeches, among other things.
Shirvell is not the first public employee whose views have drawn questions over how far free speech rights extend. In Kansas, members of Westboro Baptist Church are known — and often condemned — for picketing soldiers' funerals because they believe the soldiers' deaths are punishment for the nation's tolerance of homosexuality.
The pastor's daughter, Margie Phelps, is scheduled to present arguments next week to the U.S. Supreme Court that the picketing is speech protected by the U.S. Constitution. When she appears before the high court, she'll be on leave from her job as director of a state corrections program helping inmates re-enter society. Phelps' brother, attorney Fred Phelps Jr., also works for the Kansas Department of Corrections and is involved with the church.
Corrections Secretary Roger Werholtz and Gov. Mark Parkinson's spokeswoman declined to comment on the Phelpses' employment.
Jane Carter, executive director of the Kansas Organization of State Employees, said the union hasn't heard complaints about Margie Phelps' conduct as a supervisor.
"We all have our religious rights," Carter said.
In other states, however, workers have been fired for violating ethics codes.
New Jersey transit worker Derek Fenton was fired two days after he burned pages from a Quran on Sept. 11 outside the site of a proposed Islamic cultural center, which would include a mosque, near ground zero. The transit agency said last month that Fenton had violated its code of ethics and "his trust as a state employee."
The legal director for the New Jersey chapter of the American Civil Liberties Union has said the firing may have violated Fenton's First Amendment rights.
Michigan's civil service rules specify only that state attorneys can't take outside work representing people suing the state. However, all civil service workers can be disciplined for "conduct unbecoming a state employee," according to the rules published on the state's website.
In Nebraska, state trooper Robert Henderson has fought his 2006 firing for joining a group with ties to the Ku Klux Klan. He told an investigator he joined the Knights Party— which has described itself as the most active Klan organization in the United State — in 2004 to vent his frustration about his separation from his wife, who left him for a Hispanic man. Henderson also posted four messages on the group's website.
An arbitrator overturned his firing, noting Henderson was entitled to his free speech rights. The state appealed, and the matter is now before the state Supreme Court.
Copyright 2010 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Guidelines: You share in the USA TODAY community, so please keep your comments smart and civil. Don't attack other readers personally, and keep your language decent. Use the "Report Abuse" button to make a difference. Read more.