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With over 99 million urban Indian users now active on the Internet, financial services need...
In its latest "India Equity Strategy" report, Nomura remains very cautious going forward and has painted a bleak preview of the upcoming quarter. Media and consumer discretionary are likely to do well
Stocks are driven by earnings and sentiment. The more important of the two indicators is the former. Hence there's a lot of anticipation on how earnings will be, especially in the just-concluded September quarter. In its latest note, Nomura Equity Research has painted a bleak picture of the just-concluded September quarter citing that it is the weakest quarter since the sub-prime crisis began. Nomura said, "In inflation-adjusted real terms, sales are expected to grow in mid-single digits, while real operating profit growth is expected to stay in negative territory for the fourth consecutive quarter." In other words, the worst isn't over and expect it to be a bumpy ride for the foreseeable future.
While the subdued earnings were already discounted by the stock market earlier, what was more surprising was the fact that the market has absorbed much of the positive news announced by the government vis-a-vis reform measures. It seems that, in this case, the government has largely tried the sentiment trick—by announcing various policy reforms, including FDI in aviation and retail. The market reacted immediately, by going up. The report said, "The around 8% market rally since 13 September 2012 and India's outperformance relative to peers makes us believe that this optimism has been subsumed in recent market action." The onus is now on earnings to deliver. Will they?
Check the charts below: The growth has been trending downwards. This hardly is any cause for optimism unless the government does something extraordinary or companies perform superbly. There are bound to be a few surprises though, which happens every earning seasons. But as far as overall economy is concerned, don't get your hopes up. The sentiment, is by and large, negative, and policy measures are unlikely to affect this quarter earnings.
Given that the economy has been subdued as is demand, much of the earnings expectations will now rest on external factors vis-a-vis rupee-dollar movement, global factors as well as government ensuring that the reforms go through the parliament, especially FDI in retail which has been the flashpoint of late. With a weakening global economy and recent Fed QE3 (quantitative easing), the dollar has taken a hit already. In other words, the rupee has strengthened against the dollar, and this is bad news for exporters, especially the information technology (IT) sector. However, on the flip side, QE3 meant more foreign capital suddenly making investments in India vis-a-vis FII which boosted markets, only temporally.
Nomura opines that the market has not reacted negatively enough in the face of possible earnings disappointment even though the market is current quoting at a discount. It said, "At current levels, the market is trading at 13.6x 12-month consensus-based forward earnings, which translates into a 10% discount to the latest five-year average, and 6% discount to the latest three-year average. While at these levels, valuations do not appear to be sufficiently discounting the much-diminished expected growth scenario over the next 12 months, we would argue that incremental evidence of sustained reform momentum could well offset existing growth concerns, which have lingered for most of this year now." As per Bloomberg estimates, Sensex earnings was downgraded by 4% from April 2012.
Further more, it said, "We remain cautious going into the earnings season, which we think could well drive further the wedge between recent market moves and the reality of continuing growth pressures. We note that the market still lacks meaningful support from earnings upgrades with net analyst earnings revisions remaining in negative territory year-to-date".
The rest of the report delves into which industry and stock are likely to do well and which are expected to face challenges. While sales of its universe of 120 stocks are expected to be flat, overall profits and margins are expected to decline on a year-to-year basis. It remained largely cautious on most sectors but positive on media (in view of recent digitization) and consumer discretionary (lower inflation translating to more purchases). It expects bank shares to correct given they've risen sharply in the past few days.
Tomorrow: Earnings outlook of specific sectors
In the second part of the series, the author writes about supermarkets and our very own kirana stores, and their relevance in wake of opening up of the retail sector
At the bottom of the pyramid is the consumer who buys his provisions on a day-to-day basis, often limited to Rs5 to Rs10 worth at a time. For this, the kirana shop is the only provider. The consumer virtually no choice and has to be content with what the kirana shop gives him. Of course, there are personal comforts as the shop owner keeps talking to you, knows you and often gives you credit and will have stuff delivered to your home. However, you will not get to see the produce except as is laid out in the sacks and there would be very minimal choices. The kirana shop days are clearly numbered. Few of them will upgrade themselves in to supermarkets and thrive but many of them will surely shut down.
I have been in Chennai for slightly more than a decade. Even at that time, Chennai had its supermarkets—Niligiris and Spencers—for many decades. By the early nineties, many kirana shops had converted or scaled up to supermarkets. Today, these shops, with less space, command high level of footfalls and customer loyalty and offer better choices than the big-name counterparts. Most of these shops are family businesses which keep interacting with the customers and change the stocking profile as per their needs. Chennai is full of shops like these. We do the monthly provisions and groceries purchases from shops like these.
Another segment is the discerning customer who will buy a specific product from a specific location only. For instance, in Matunga, a wealthy suburb of Mumbai, Gujarati households will buy most of their stuff from a store called "Chheda Stores", which offers premium quality at premium price—a niche that is unlikely to be disturbed.
Once the consumer reaches a level where purchases can be done in one or two rounds a month, he/she would shop in an air-conditioned comfort of a supermarket and look at different labels, and get things done under one roof. This is the aspiration for the consumer who is at the bottom of the pyramid. Everyone has a right to a better experience and this is where the future of retail lies.
Coming to the supermarket chains, there are major issues. Getting space at reasonable rents in most metro cities is ruled out, except maybe the outskirts. Even small format stores in prime locations are unable to make money. To give an example, Wal-Mart is focused on having its presence in smaller towns. It is yet to venture into New York given the rentals there. The present chains have started off in the metros and going in to tier-II cities. A few of them already have foreign tie ups and signal intent to get in to formal partnership once government policies are in place. So, let us not expect any radical changes when foreign brand names appear on the store shingle.
One thing that will become the bone of contention is that retail FDI will also hinge on what is sold through the store. The range of products sold through chains like Wal-Mart, Carrefour, etc is mind boggling and includes virtually everything that a home would need, not just be horticulture produce, textiles or home needs—everything. Whilst the domestic customer will be happy, what will happen is that most of the produce would be imported. For example, if you have been to Andheri, another suburb of Mumbai, there is a shop called 'Alfa' that stocks one of the biggest ranges of imported consumer products, from the latest in electronics, soaps, perfumes, toys or furniture! The new retail chains that come in will have all of this and more. Naturally, this will drive the domestic suppliers out of business.
However, it is not that retail FDI will take off in a hurry. The biggest challenge is talent. You have to just go to any retail chain and see the problem. Talking to one of the supermarket chain managers, the feedback I got was about the staff issues relating to competence and integrity. India does not have a set of people who are willing to put in long hours in a store and wear the smile. There is apparently very little effort from the staff to learn the ropes and labour turnover is high.
And, to get the retail chain running, we need infrastructure and power. We need large properties at low rents, with huge parking lots and easy access. We need governments that do not tax movement of goods from one state to another. Without all this, FDI in retail is a non-starter. FDI in retail is like finding a brick; by itself it has no meaning and just a part of an edifice. To put the brick in place, you need everything else.
Retail chains are a financially unviable project so far in India, given that everyone seems to be losing money. Rentals are too high and nothing has been done to improve the supply chain. Going by what is happening so far, we have not even touched the surface. Who will gain?
At the end of the day, the consumer is going to gain. Lower prices? Maybe not. But surely better choice, transparency and fairness. Will the farmer benefit? He will find it very difficult to escape the middleman. Like middlemen in every profession, they will find ways to survive, especially given the reluctance of the white-collar retail chain guys to roll down their sleeves and get cracking. What about the kirana wala? Don't worry, he will thrive one way or the other. In any case, he does you no good in terms of either quality or price. He is one whose days are numbered and has to upgrade to get better. He has ducked all taxes and cheated most consumers; no need to shed tears for him. Some professions become extinct over time.
To sum up, FDI in retail is merely a talking point for politicians. It makes no difference if it is closed or open. In any case, organised retail is spreading out big. Maybe FDI glamour will spread it out much quicker. It is best to recognise that change is upon us. Those state governments and the so called leftists, who oppose this for the sake of it, do not know what they are shouting at. They are like the dogs that bark, simply because it knows nothing else.
(The author can be reached at [email protected].)


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How to Have a Happy Life (2 of 4) by J. Gerald Harris
This content is part of a series.How to Have a Happy Life (2 of 4)
Dr. J. Gerald Harris
Proverbs 17:22
Gary Carr tells the story of Chippie the parakeet: "Chippie never saw it coming. One second he was peacefully perched in his cage sending a song into the air. The next second he was sucked in, washed up, and blown over.
"His problem began when his owner decided to clean his cage with a vacuum. She had stuck the nozzle in to suck up the seeds and feathers at the bottom of the cage when the nearby telephone rang. Instinctively she turned to pick it up. She had barely said hello when -- sswwwwwpppppp! Chippie got sucked in. She gasped, let the phone drop and switched off the vacuum. With her heart in her mouth she unzipped the bag.
"There was Chippie -- alive but stunned -- covered with heavy gray dust. She grabbed him and rushed to the bathtub, turned on the faucet full blast and held Chippie under a torrent of ice cold water, power washing him clean. Then it dawned on her that Chippie was soaking wet and shivering, so she did what any compassionate pet-owner would do. She snatched up the hair dryer and blasted him with hot air.
"Did Chippie survive? Yes, but he doesn't sing much anymore. He just sits and stares a lot. It's not hard to see why. Sucked in, washed up, and blown over. It's enough to steal the song from any stout heart."
Maybe that's how you feel at times -- sucked in, washed up, and blown over.
Maybe you feel like that describes your life. Well, today we're going to be talking about how to be a victor instead of a victim; how to rise above your circumstances; how to mount up with wings as eagles; how to be a joy-filled Christian.
In our text the Bible says that "a merry heart doeth good like a medicine." Someone has well said that "a religion that wears grave clothes ought to be buried." And I believe that a Christian without joy is a contradiction in terms. So this morning we want to talk a little bit about how to have a happy life; how to soar with the eagle ...
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He was guilty of constructing a "high place" for Chemosh, "the abomination of Moab."
Now they afflicted Moab many days, for Chemosh was angry with his land.
She had been educated in the degrading worship of Chemosh, the supreme deity of Moab.
For Jephthah, Chemosh is obviously as real a personage as Jahveh.
And the king of Israel built Jahaz and dwelt in it while he fought with me and Chemosh drove him out from before me.
How vile the worship of Chemosh was, Israel had already experienced in the wilderness where he was called Peor.
Chemosh, the god of the Amorites, is mentioned in Judges xi.
His successful wars against the Edomites (or a people of Horonaim), undertaken by command of his god Chemosh.
Wilt thou not possess that which Chemosh thy god giveth thee to possess?
His inscription at Karcha shows that he was a profound and even fanatical believer in Chemosh, his god.


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Just a thank you for fixing the issue on my websiteAsked by Mya Volkman on June 23, 2014 at 08:22 PM


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Overview Edit
The Presidential Cybersecurity Coordinator is a Special Assistant to the President, serves primarily the President's representative to the interagency, and leads the interagency process for cybersecurity strategy and policy development. Like DHS, the Presidential Cybersecurity Coordinator has no real authority to compel coordination, compliance, or action.[1]
References Edit
- ↑ See National Security Council, Cybersecurity Progress after President Obama's Address (July 14, 2010) (full-text); Cyberspace: United States Faces Challenges in Addressing Global Cybersecurity and Governance, at 7, 31, 33-34, 41.


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Running Time: 90 minutes
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text: Goldman Sachs Asset Management, L.P. (GSAM) announced today that it has reached an agreement with Fifth Third Bank for eligible plan investors in the Fifth Third Stable Value Fund to transition to the Goldman Sachs Stable Value Collective Trust (Fund), a new stable value fund expected to be formed by The Goldman Sachs Trust Company, N.A. The transaction reflects GSAM's commitment to the defined contribution (DC) investment-only business and reinforces the importance of stable value as an investment option for retirement plan participants. "The new Fund enables GSAM and its affiliates to expand access to stable value solutions to an even greater number of retirement plans and their participants," said Eric S. Lane and Timothy J. O'Neill, global co-heads of the Investment Management Division at Goldman Sachs, in a formal statement. "Stable value continues to be an important asset class for DC plans and our new Stable Value Collective Trust will be an opportunity to respond to strong demand in the marketplace." GSAM built on its historically strong fixed income capabilities with the acquisition of Dwight Asset Management Company LLC (Dwight) in May 2012. The Dwight stable value portfolio management team has been advising the Fifth Third Stable Value Fund since 1998 and will be adviser in respect of the stable value contracts for the Fund. The Goldman Sachs Trust Company, N.A. will act as trustee for the Fund, and GSAM and Dwight will be the investment advisers for the Fund's investment portfolio. Currently, stable value is offered in approximately half of all 401(k) plans 1. GSAM has over $34 billion in stable value assets as part of over $55 billion in DC assets under supervision (AUS) 2. This agreement is GSAM's latest step in delivering capabilities that help meet the needs of DC plan sponsors. The transaction with Fifth Third is expected to close by the fourth quarter of 2013, at which time we anticipate the launch of the Goldman Sachs Stable Value Collective Trust.


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Why can't men see that their mums can do wrong?(24 Posts)
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Paul McCartney
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James Paul McCartney, 18 June 1942, Liverpool, Lancashire, England. Although commitments to the Beatles not unnaturally took precedence, bass player/vocalist McCartney nonetheless pursued several outside projects during this tenure. Many reflected friendships or personal preferences, ranging from production work for Cliff Bennett, Paddy, Klaus And Gibson and the Bonzo Dog Doo-Dah Band, to appearances on sessions by Donovan, Paul Jones and Steve Miller (on Brave New World). He also wrote Woman for Peter And Gordon under the pseudonym Bernard Webb, but such contributions flourished more freely with the founding of Apple Records, where McCartney guided the early careers of Mary Hopkin and Badfinger and enjoyed cameos on releases by Jackie Lomax and James Taylor. However, despite this well-documented independence, the artist ensured a critical backlash by timing the release of McCartney to coincide with that of the Beatles Let It Be and his announced...
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February 14, 2013
JUST THE FACTS: AHS entitlement and waste nothing new
EDMONTON, AB (February 14, 2013): The recent scandal uncovered by Alberta's Auditor General showing a quarter of AHS employees (26,000) billed taxpayers over $100 million dollars in a 17 month period is evidence of an ongoing culture of entitlement that is embedded among executives in Alberta's health system.
Though the government insists that they are now introducing solutions to the expenses controversy, the truth is this has been a long-standing issue that has remained unchanged for the past several years.Here are the facts:
- In 2008 the Auditor General called on all Health regions to, "strengthen and follow its policies and processes for employee expense claims and corporate credit cards. We also recommend that Alberta Health Services develop and implement policies and guidance on appropriate expenses for hosting and working services (Page 311).
- Many of the same health executives in charge of the various health regions remain in senior positions within AHS today. The former Chair, Ken Hughes, is now a member of the PC Cabinet.
- October 2012, the Auditor General once again identified that the 2008 recommendation remains outstanding.
"This has been a long standing practice within our Alberta health system, but instead of this government seriously addressing the issue, they have allowed the culture of entitlement to go unchecked," Wildrose Official Opposition Leader Danielle Smith said. "It's time for the Health Minister and AHS Chair to take meaningful action against those responsible." Wildrose Health Critic Heather Forsyth said there are serious issues to address like justifying $900,000 credit cards and with the same leadership in place today from five years ago, it's hard to believe real change can occur. "One in four employees submitting expenses within AHS is excessive, wrong and ties up funding from going to the front lines," Forsyth said. "No other corporation would tolerate such waste, Albertans deserve better and it's time for this government to finally show some leadership."


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DefinitionAccording to American Institute of Certified Public Accountants (AICPA) 'Depreciation accounting is a system of accounting which aims to distribute cost or the basic value of tangible capital asset less salvage (if any), over the estimated useful life of the unit in a systematic and rational manner. It is the process of allocation and not valuation'.
Depreciation has been defined as 'the diminution in the utility or value of an asset, due to natural wear and tear, exhaustion of the subject-matter, effluxion of time accident, obsolescence or similar causes'. The words "accident", "obsolescence" and the phrase "effluxion of time" included in the definition, signify that when an asset held by a business cannot be employed for even one of the purposes for which it was acquired due to some damage suffered, the assets having become out of date or due to no occasion having arisen for it to be used, the loss caused to the business will be depreciation. Depreciation caused by any one of the last mentioned factors often is described as external depreciation, to distinguish it from the natural wear and tear of assets which is known as internal depreciation.


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Skip to comments.Ukraine Delivers Main Battle Tanks to Thailand
Posted on 02/06/2014 12:38:36 PM PST by sukhoi-30mki
KIEV, February 5 (RIA Novosti) Ukraine has delivered the first five main battle tanks to Thailand of a 2011 order worth over $200 million, a state-run arms exporter said Wednesday.
The shipment is part of an order of 49 Oplot-M tanks to be put in service with the Royal Thai Armed Forces in the near future.
The Ukrainian tanks arrived at the port of Sattahip on Tuesday and will undergo additional acceptance trials, Ukrspetsexport said in a statement.
The Oplot is armed with a 125-mm smoothbore gun, a 7.62-mm coaxial machine gun and a 12.7-mm anti-aircraft machine gun.
The main gun can fire a laser-guided missile against battle tanks, armored vehicles and hovering helicopters within a range of five kilometers (3.1 miles).
The tanks protection system integrates both passive armor and explosive reactive armor.
Ukraine has recently become an active competitor on global arms markets thanks to a reputation for reliable weaponry, relatively low prices and extended post-sale and repair warranties.
According to data published by the Stockholm International Peace Research Institute, Ukraine exported major conventional arms worth $1.3 billion in 2012, making it the fourth largest arms exporter in the world that year.
Sales to Asian countries accounted for 47 percent of exports, while African countries and former Soviet states bought 23 percent and 21 percent respectively of Ukrainian arms, SIPRI reported.
4 mill per copy? That's dirt cheap!
Yes, it is. The Oplot is a modernized T-80 which has been around for almost 40 years now so it's "mature" and not terribly difficult or risky to build.
"The main gun can fire a laser-guided missile "
They are going to wish it didn't fire that missile.
Don't say that so loud.
Every freakin municipality in the US will be buying one...
Nice muzzle... is that the Airsoft version?
Nice lipstick on the muzzle.
"Every freakin municipality in the US will be buying one... "
That sudden proliferation of tanks in your neighborhood is your tax money given to financial supporters (tank manufacturers). The army can't use those obsolete things so they're giving them to local law enforcement. (Crony capitalism.) I have a muzzle loading rifle manufactured at the end of the civil war. They were never issued because they were obsolete when made. So, they're all in perfect condition. (Same thing, different time.)
does Maine want them back?
//sorry, stupid joke
Coming soon to a police department near you.
(You got a problem with that, citizen?)
I thought that was lipstick?
"They are going to wish it didnt fire that missile."
Might as well send up a signal flare these days...
In steaming hot Thailand, that bad boy better have A/C inside for the crew.
>>>Yes, it is. The Oplot is a modernized T-80 which has been around for almost 40 years now so its mature and not terribly difficult or risky to build.<<<
More like a T-64 and a crappy unreliable diesel instead of gas-turbine.
Good condition T-64s would still be devastating platforms for engaging Styker-type and BTR-type vehicles. While the poor armor is very vulnerable to even lighter shoulder-fired weapons the T-64's main gun with modern ammo is a threat even to today's tanks.
At Fort Benning we wargame against OPFORs with obsolete CCCP vehicles and especially in an urban environment Blue losses can go quite high against those systems.
Perhaps Thailand would prefer diesel engines as there are some advantages.
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METAIRIE — Drew Brees led a decisive fourth-quarter scoring drive. Tracy Porter made a game-sealing interception. A fourth-straight win helped New Orleans solidify its NFC South Division lead.
For linebacker Scott Shanle, the Saints' latest win over Detroit on Sunday night, as well as the way they've played since the second half of the 2011 season began, has been reminiscent of New Orleans' Super Bowl run two seasons ago.
"For the guys who were here in 2009, after last night's game and the way we've played the last four weeks, there's a little bit of that feeling like we've kind of flipped that switch and we've kind of hit that next gear," Shanle said Monday. "Now it's up to us to see if we can maintain that level."
While unbeaten Green Bay remains the favorite in the NFC, and surprising San Francisco is making headlines with its resurgence, the Saints are working their way back into the conversation about the top Super Bowl contenders in the NFL.
Their win streak has improved their record to 9-3, giving them a two-game lead in their division and placing them one game behind the 49ers for the second overall playoff seed in the conference.
"We feel like we're one of the elite teams," receiver Lance Moore said. "Obviously, we have the third-best record in the NFC, but we can't worry about what Green Bay's doing. We can't worry about what San Francisco's doing. We have to worry about what we're doing."
Offensively, the Saints are doing just about everything right. They are averaging a league-leading 448.7 yards per game, putting them on a pace to finish with a single-season league-record 7,179 yards from scrimmage.
Brees is averaging a league-leading 336 yards passing, and in the process has become the first quarterback to eclipse 4,000 yards passing in a season's first 12 games. If he keeps it up, he'll easily break Dan Marino's 1984 single-season record of 5,084 yards passing.
The Saints don't have any individual running backs with stunning statistics, but collectively, Darren Sproles, Pierre Thomas and Mark Ingram have provided New Orleans with the No. 8 ground attack in the league. They are also all healthy, making it tough for Chris Ivory, the Saints' leading rusher in 2010, to crack the lineup.
Defensively, the Saints are giving up a lot of ground, ranking 27th with 378.8 yards allowed per game. Yet they are not terribly concerned about that because they've made enough key stops to make the point production of their prolific offense stand up.
"That's really what we did in 2009, is we played complementary football," Saints safety Malcolm Jenkins said. "Defensively, the stats weren't always great in 2009, but we did what we needed to do to win, and I think we're doing the same thing now.
"The way our offense is playing, we're going to get a lot of yardage put on us defensively just because teams are going to try to catch up and throw the ball," Jenkins continued. "But we made the plays that we needed to keep points off the board and let our offense do what they do."
When the Saints were upset in St. Louis in late October, falling to 5-3 at the halfway point of the season, coach Sean Payton told his team they would learn a lot about themselves during their next four games, starting with divisional rivals Tampa Bay and Atlanta, followed by pivotal NFC matchups against the New York Giants and the Lions.
"That was the goal, to see where we stacked up, where we measured. I like the way we responded to that," Payton said. "We've still got 25 percent or a quarter of the season left."
Now the Saints head to Tennessee this weekend to start a two-game road swing, and Payton is trying to keep his players grounded by reminding them of the imperfections in their performances during an otherwise impressive 4-0 surge.
Payton was not pleased with botched coverages that allowed long passing plays by the Lions and Giants. He was frustrated by the offense's inability to put away a game at Atlanta that the Saints had to pull out in overtime after blowing a 10-point, fourth-quarter lead. Payton also has some questions about the kick and punt return games that feature the speedy Sproles.
"We've got one of the better returners in the NFL and we're having trouble getting him some yardage," Payton said.
"We've gotten on a run here and won some football games. And yet, we've won despite not being consistent in some areas," Payton continued. "I do think that we're playing with confidence. ... We'll have a chance here to see how this team stacks up versus not only last year's team, but teams prior."


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Holiday in Varazze
In the northern part of Varazze there are ruins of medieval walls and ramparts and what remains of the façade of the ancient Romanesque church of Saint Ambrose. An exemplar of Romanesque-Lombard architecture, the collegiate church of Saint Ambrose's belltower called "Campanin Russu" has become an icon of the city. Precious Baroque altarpieces and interesting paintings and sculptures are kept at the parish church. You should also visit the San Nazario and San Celso churches with their characteristic parvises made of multi-coloured stones, as the church of San Domenico, which houses the ashes of Blessed Jacobus de Voragine. The 19th-century Villa Cilea is nearby, home of a celebrated Calabrian musician who chose Liguria to be his second home. Also nearby is the sanctuary of the city's patron saint, Saint Catherine. Every 30th of April a solemn procession and traditional historic parade are celebrated in her honour. Throughout the year, Varazze organises many theatrical, musical and outdoor arts events (especially in summer), such as "Varazze City of Women", the International Mandolin Festival and "Varazze is Opera", where the City of Varazze Francesco Cilea prize is awarded to the best opera performers.
The Lungomare Europa is for those who wish to walk amongst the marvellous coastal coves enjoying the sunshine. Built on an old railway track, it's a 5-kilometre route connecting Varazze to Cogoleto. Piani di Invrea overlooks the trail. Today famous for its maritime pines, mimosas and breath-taking scenery, it was once a celebrated stopping place for pilgrims travelling to Santiago de Compostela. Villa Castello rises up from amidst the greenery of this elegant residential area, a sophisticated Moorish building that was once belonged to an ancient lineage of Genoese nobles, the marquises of Invrea. As you go down towards the beach you meet with the new touristic port, Marina di Varazze, one of the biggest and best-equipped in Liguria. Here you'll find restaurants, shops and prestigious sea-front homes. Events, exhibits and markets are often held in the little square.
For sports enthusiasts, a holiday in Varazze is perfect for surfing, sailing, hiking, mountain biking and rock climbing. What's more, you can horse ride, skate and play tennis or bocce. It's up to you! The tract of Lungomare Europa that connects Varazze to Cogoleto is perfect for indulging in a romantic stroll in nature, amidst pines, mimosas, oleanders, broom, palms and olive trees. At sunset, the sun dips below the horizon, filling the sky with a thousand colours that make the atmosphere even more enchanting.
In summer, from May to September, Varazze's beach is tapestried with bathing huts, beach umbrellas and deckchairs. You'll definitely find the place that's right for you among the numerous bathing establishments that stretch from Punta della Mola to the Marina di Varazze. The quality and variety of services together with the warmth and hospitality of the locals has made Varazze famous in the field of tourism. Take a look at the holiday packages to Varazze now and get ready for a new unforgettable adventure.


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The Hollywood Reporter
Some quick news coming in from THR… After an exhaustive search, Disney and director Brad Bird are zeroing in on the star of the much-buzzed about sci-fi project Tomorrowland. Britt Robertson ("The Secret Circle") and Naomi Scott (pictured; "Terra Nova") are the finalists for the lead role.
The duo will be undergoing a full hair and makeup test in Vancouver in early July. When cast, the actress will join George Clooney, Raffey Cassidy, and Hugh Laurie. The script's main character is Casey Newton, a rebellious teenage girl who comes to Clooney's character, a disgruntled inventor, for help on a quest. Observers say the part has potential to be star-making. Cassidy is set as a kid robot who joins the duo, and Laurie is playing the movie's antagonist.
The plot has been described as being in the vein of Close Encounters of the Third Kind, Steven Spielberg's 1977 movie about a man searching for extraterrestrials on Earth, and centers on the teen, the inventor, and the kid robot trying to save a place called Tomorrowland.
Got news? Click here to submit it!
Save worlds in the comments section below!


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Tarantino's Hidden Symbols: Pulp Fiction & Toilets
Pulp Fiction's bathroom scenes carry a hidden meaning.
Film & TV explained
Pulp Fiction's bathroom scenes carry a hidden meaning.
The films of Quentin Tarantino actually exist in two different shared universes, with connections running through every picture.
How many of these did you catch in Tarantino's movies?
Quentin Tarantino's "The Hateful Eight" is a highly theatrical film seems ready-made for a stage adaptation.
Blue Ruin is an atypical revenge film that defies the genre's conventions.
If you are stuck inside during the snowstorm of 2016, here are some can't miss movies to explore on Netflix to keep yourself entertained.
"The Hateful Eight" is equal parts Western and horror film, but as a result its political message is confused. The film is torn between the Western's frontier myth and the horror's fearful distrust of the other and critique of normativity.
The dialogue of "Pulp Fiction" is remarkably original and the strongest aspect of a film that is wonderfully-constructed in every way.
"Seinfeld" can be classified as a work of postmodernism. The show holds a mirror up to the mindset of the US in the 1990s.
Just as mundane conversation plays a major role in Quentin Tarantino's "Pulp Fiction," visits to bathroom serve as a plot device with surprisingly significant consequences. But why does Tarantino choose to emphasize the importance of the toilet in his characters' destinies?


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David Levey
Vice President or Director of Product Development, Sourcing and Quality Assurance - Seeking New Opportunity
Location: Mequon WIShare profile
Apparel and home textile industry executive with a proven record of over 25 years of accomplishments in Sourcing, Product Development, Quality Assurance, Merchandising and Social Compliance. • Pioneered the establishment of Kohl's Department Stores' Sourcing and Social Compliance Departments • Expert in apparel and home textile sourcing, product development process, quality assurance and social compliance • Skilled at defining, driving and executing sourcing strategies to meet corporate margin, delivery and quality objectives • Accomplished at establishing and maintaining long-term strategic relationships with multi-cultural supply chain partners • Strong vision for creating and executing the product development process and calendar from concept to consumer • Successful record of driving profitable businesses for large retail ($15+B), catalog retail ($32M) and wholesale ($45M) companies • High integrity, trustworthy, strong work ethic and sound judgment • Proficient negotiator, strategic planner, analytical and detail oriented with a keen sense of urgency and prioritization • Effective team leader and communicator able to influence, motivate and train others • Team player and collaborator adept at creating and sustaining constructive working relationships
Work ExperienceEdit
Interests & GroupsEdit
- no interests
- Alpine Skiing
- Soccer
- Cotton Board (January 2006 – December 2011) Appointed by the U.S. Secretary of Agriculture as a Board Member 1/09-12/11 and Alternate Board Member 1/06-12/08. Executive Committee
- Operations Committee Chairman and Compensation Sub-Committee Chairman (8/11-12/11)
- Vice-Chairman of Research & Development Committee (3/09-7/11). Served on the Operations Committee
- Research & Development Committee and Importer Support Group. U.S. Ski and Snowboard Association - Certified Alpine Race Official
- Referee
- Jury Adviser
- Chief of Race and Timing and Calculations.
Education HistoryEdit
Helly Hansen Inc.
Burton Snowboards
Hestra USA
Sport Chalet
Spyder Active Sports
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You hit your limit of Direct Messages for the month. To send more direct messages this month, you will need to upgrade to the next level.


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or make 4 interest-free payments of $10.50 fortnightly with More info
Our popular Custom Stone prints, now with the option to add your own personalised message on the back.
Simply upload your favourite digital images, and type in your unique personalised message, and we will print them directly onto natural, smooth, self-standing stone. The result is a quality image, that is scratch and water resistant, has uninterrupted depth, and is keepsake to last forever.
Your stone prints are carefully packaged and sent to you with Australia Post tracking, ready to give as the perfect gift or keep for yourself for your home or office.
Stones measure approx 100mm x 100mm, and are 15mm deep, allowing them to be completely self-standing - the perfect display for your living space, bedside, desk or windowsill. You also have the option to use 3M Mounting strips (available readily Australia wide) should you wish to mount your stones on a wall or other surface.
Uploading your images:
- Strictly ONE PHOTO or scanned image per stone purchase.
- Please limit the file size to 10MB. (Jpeg and Tiff files are preferred). The best file format to send to us is a high resolution jpg.
Images printed in this way look best with light coloured photos (for example: open skies or white/light backgrounds). The less ink that is used, the more the natural stone will show through and showcase this unique printing method. Please keep this in mind when selecting your photos to print.
Arlo and Co respects the intellectual property of others, and we ask our users to do the same. Therefore, in your use of and interactions with our website, you may not modify, distribute, or reproduce in any way any image that is copyrighted material belonging to others, without obtaining their prior written consent. Please refer to our Terms of Use: http://www.arloandco.com.au/pages/terms-of-use
Due to the natural nature of this product, no two stones are exactly the same, and each print on stone has its own character and set of imperfections. Also, we purposefully do not use any white ink, so anything white in your photo will actually be the natural stone colour showing through.
*Please note this restock of stones are a slightly altered (improved) design - with thicker and with straighter/cleaner edges than stones we have stocked under this listing previously.


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text: The sheer complexity is beyond what is plausible, that is explained in the article. It is about as alive as you could call any AI computer system in that is does a number of functions but it certainly won't have anything like sentience that requires the entire brain. When IBM made their simulation with transistors it did calculate with about the effectiveness of an insect? We are some years ahead in computer tech but even so with the scale we're dealing with we have a long way to go. So I think of it as more of an interactive map. It's a pretty philosophically loaded question anyway so I can't really answer directly.


text: UCP is going to a job fair next week. Here's your chance to learn about our current openings, ask questions, and get to know the people at UCP. Join us (and many other healthcare-related non-profits) at the HealthCAREers Nonprofit Job Fair on March 22, from 10am–1pm, at the PCC CLIMB Center (1626 SE Water Ave). Hope to see you there! Learn more here.


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Last week we showed you these beautiful Star Wars rings by Kay Jewelers, and now they've added Rebel and Empire earrings, a Rebel leather/sterling/pearl bracelet, and a diamond double necklace that pays tribute to the Empire. Kay's Star Wars collection contains well over 100 items at this point and shows no signs of stopping. Check out more pics below.
Product Pages: Star Wars Rebel Starbird Opal Earrings $299 / Star Wars Empire Amethyst Earrings $279 / Star Wars Rebel Alliance Sterling Silver/Leather/Pearl Bracelet $249 / Star Wars Death Star Diamond Necklace $269
(via The Kessel Runway)


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0 items ·
Check out
is back-ordered. We will ship it separately in 10 to 15 days.
PLAY BALL with this baseball big belly bank! - Insert coins into the top of the bat and watch the coins zig zag down into the clear belly for safe keeping. We personalize with the childs name above the belly in blue with yellow stars. Hand crafted wood product made in the U.S.A.. Globe easily opens with help from an adult to remove change and refill. 20 high.
Copyright © 2017 Capital Books and Wellness. Ecommerce Software by Shopify.


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Amaia Scapes Lucena
Project at a Glance
|Project Location:
|Brgy. Isabang Lucena City, Quezon
|Turnover Date:
|Unit Sizes:
|25 sqm to 56 sqm
|Price Range:
|Php 786,355.13 to Php 1.25 M
Project at a Glance
|Project Location:
|Brgy. Isabang Lucena City, Quezon
|Turnover Date:
|Unit Sizes:
|25 sqm to 56 sqm
|Price Range:
|Php 786,355.13 to Php 1.25 M
The Amaia Scapes Lucena is thus far one of Ayala Land's most prolific housing and land development projects. The site is virtually flood-free due to the presence of lots of creeks around it and also due to the fact that Lucena City is wedge between two large rivers.
The majestic and holistic Mt. Banahaw is also a spectacular view when you are on the site. The climate is highly conducive to convenient and comfortable living. Not only that, the housing development is engulfed in a pristine green environment where the air could cleanse the lungs and give your children the boost in their immune system.
Amaia Scapes Lucena is situated in Brgy. Isabang, Lucena City a countryside beauty despite being a highly-urbanized city. The project sits on a sprawling 89 hectares of flat land and boasts of 607 houses in innovative designs and lot units. The fully-functional house designs are as follows: Bungalow Pod (34sqm-floor area), Single Home (56sqm), Twin Pod (28sqm), Twin Homes (47sqm), Multi Pod (53sqm), Town Homes (89.50sqm) and Carriage Pod (55sqm). The floor area includes porch in all models. Lot sizes vary from 65 to 115sqm depending on house model and has carport in every lot.
The Amaia Scapes Lucena has a stunning and unique creek side promenade with lush greens and grass land. Other seemingly brilliant amenities include a gated entrance and exit, patio green, village patio: include basketball court overlooking Mt. Banahaw, pavilion, swimming pool and a sprawling playground. The well-paved roads are lined with trees, with unlimited fresh water supply and well-planned electrical and drainage systems that are fool-proof.
This unique community concept lies where almost the basic necessities of life are within reach. Schools such as MSEU and Quezon National High School are nearby. The Lucena United Doctors Hospital, Mary Chiles Hospital and Sacred Heart Hospital are within easy reach.
SM City Lucena, Pacific Mall and Metro Gaisano Mall are just one ride away. The Lucena City Hall, GSIS Lucena, Quezon Provincial Capital and the Grand Central, the transport terminal for jeepneys and buses and where the rest of government agencies (like LTO, BIR, etc.) are located and are easily accessible.
The prime location, accessibility, wide range of payment options, best designed houses with the finest craftsmanship and unique style of community will let you to escape the inconvenience of not owning a house. So, be smart, own a piece of Amaia Scapes Lucena now!
At Amaia Land, easy and flexible payment terms are offered so you can finally have the chance to have your own home. Dahil sa Amaia, Kaya ko na!
Amaia Land, Amaia Scapes Lucena, House & Lot for Sale in Quezon, Philippines. For price list, model house, floor plans, payment terms, CHAT LIVE with an agent 24x7. If you're looking to find Amaia Land, Amaia Scapes Lucena for Sale, then check here first. We have full details of Amaia Land, Amaia Scapes Lucena for Sale updated regularly. Everything you need to know about Amaia Land, Amaia Scapes Lucena House & Lot buying process, broken down into stages. Includes selecting a unit, choosing a payment plan and buying your dream home at the right price.
Amaia Scapes Lucena Is located at Brgy. Isabang Lucena City, Quezon.
Situated at Brgy. Isabang, Lucena City, Quezon, Amaia Scapes Lucena is easily accessible from Maharlika Highway. It is an easy ride away from the Lucena town proper and close to various schools, offices and commercial establishments.
|Unit Type
|Final Price
|Bungalow Pod
|₱ 1,250,000
|34 sqm
|Twin Pod
|₱ 1,030,000
|28 sqm
|Multi Pod Inner
|₱ 784,000
|25 sqm
|Multi Pod End
|₱ 979,000
|28 sqm
|Single Home
|₱ 1,680,000
|56 sqm
|Twin Homes
|₱ 1,460,000
|47 sqm
|Carriage Pod
|₱ 1,700,000
|55 sqm
|Payment Options
|Payment Scheme
|Option 1: Spot Cash
|A. Spot Cash with 10% discount payable in 7 days.
|B. Spot Cash with 7% discount payable in 30 days.
|Option 2: Bank Financing
|A. 10% Down Payment payable in 12 months
|A. 90% remaining balance payable through Bank Financing
|B. 20% Down Payment payable in 12 months
|B. 80% remaining balance payable through Bank Financing
For many people, it's the biggest financial transaction they'll ever make. That's why doing it right the first time is so important. Sometimes, buying a real estate property can feel like a dizzying set of rules and regulations. Luckily, armed with the right knowledge and know-how, you can start realizing your homeowner dreams the fast, easy, way.
Our team has a shared passion in real estate and a relentless attention to detail that is essential in the real estate business, which has set us above the fray in the real estate communities. This unparalleled passion, combined with our expertise, ensures that your interests are well-represented.
We offer affordable condominiums, house and lot packages, pre selling condos, ready for occupancy (RFO) condos, Rent To Own (RTO) condos, Apartments for rent or lease, sale by owner listings, townhomes, house and homes for sale, etc. We offer better and personalised customized service than some of our competetiors such as Mitula, OLX, Zipmatch, Lamudi, Property24, Hoppler, My Property, Dot Property etc since we promote projects directly unlike duplicate listings. We are perfect for Filipinos, OFWs as well as Expats who are looking for buying, investing in or leasing their dream home. We can also help you with SRRV (PRA) visa properties, home loans, cheaper and affordable Pag-ibig housing as well as high end luxury properties all over the Philippines. We will help you finance your home thru Pag ibig, Bank or in house financing. Our real estate projects are pre vetted to best serve your interest. We offer you high rise, mid rise, luxury and gated subdivisions and communities. We offer you condos near MRT, CBD areas in the cities, as well as house and lot, low cost housing in the provinces. We serve developers, owners, investors, landlords and direct buyers.
We can help you buy properties from all the major developers from the Philippines including DMCI, Megaworld, SMDC, Ayala Land Premier, Amaia Land, Avida Land, Alevo Land, Federal Land, Rockwell Properties, Shang Properties, Empire East Properties, Sun Trust Properties, Moldex Properties, Data Land, Camella Homes, Vista Land, Pro Friends, Phinma Properties and Filinvest Land. We can help you to invest in all msjor cities including Manila, Makati, Pasig, Pasay,Mandaluyong, Alabang, and all of Metro Manila and Cebu.
PH Realty Inc
Shaw Blvd, Mandaluyong City, Philippines
(+63) 2 531 5670
+63 917 797 5283
+63 908 812 3890
+63 923 162 6308
This website is privately owned and managed by PH Realty Inc. Prices listed are subject to change by the Property Developer.


text: A montage of Madrid. Madrid is the capital and largest city of Spain and is located in the central part of the country. It has a population of over 3,000,000 and a metro area of over 7,000,000. TeamsEdit HC Madrid External LinksEdit Madrid on Wikipedia Retrieved from "http://icehockey.wikia.com/wiki/Madrid?oldid=220305" 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: Spanish towns Add category Cancel Save


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This post was originally published on Mashable.
Does the burden of human communication weigh heavily on your thumbs?
Emoji-only messaging app Emojli is here to save you from the tedium of expressing your thoughts with actual words.
Emojli, which debuted for iPhone and iPad on the App Store Friday, forces users to construct their conversations and usernames exclusively from emoji.
Founders Matt Gray and Tom Scott co-star on a comedic tech show called The Technical Difficulties, so they're no strangers to the humorous side of technology. The pair acknowledged that Emojli sounds crazy in a promotional video released in June.
"We know what you're thinking. This is satire! No one would actually make this thing," they said. "It's not. And we have."
Shifting to all-emoji communication comes with challenges. For example, I'd have to find the exact purple spiral and pastel stars in the pages of emoji to add the person below:
If I did manage to type in her username, she'd have no idea who I was unless I emailed or tweeted my username to her first. Emoji also render differently depending on the platform. My username looked like three tusked boars on Emojli and iMessage, but transformed into three pink pigs on Twitter.
The app is fun and quirky, but it turns out emoji communication is maddeningly abstract. Imagine composing messages on a keyboard with hundreds of keys, few of which have a universally known meaning. Is that a sarcastic tulip? A poignant or ironic stop sign?
It's not clear how many people have downloaded Emojli, but 70,000 people reserved usernames before its launch.
Mashable is the largest independent news source covering digital culture, social media and technology.


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Working with both local and international clients, Bird & Bird Finland has over 50 lawyers able to help your business grow locally, or globally.
Merging with Finnish law firm Fennica in 2008, our Helsinki office combines a firmly established full service practice with first class cross-border capabilities and global reach through our many international offices. We take pride in our deep understanding of the industries in which our clients operate and make sure we're up-to-date with current business, market and technical issues at all times. This market savvy, combined with our in-depth legal expertise and extensive knowledge of the regulations that govern each sector ensures we provide commercially viable, straight-forward advice.
We're also praised for our excellence in client service. Our expertise across all practice areas has also for years been acknowledged in all leading international legal directories such as Chambers Europe, Chambers Global, IFLR1000 and EMEA Legal 500.
The office is headed by partner Jaakko Hietala.
We have a continuous need for high quality professional lawyers and support staff to work in our office. For details about specific opportunities please select from the list below:
> Legal careers
> Law students
> Support Staff
> Career opportunities in other Bird & Bird offices
Bird & Bird Attorneys Ltd.
Mannerheimintie 8
00100 Helsinki
Our office in Helsinki is located in the city centre, at Mannerheimintie 8, 3rd - 5th floor (reception at 3rd floor)
The nearest tram stop (50 m) is Ylioppilastalo, trams no3 and no10.
Helsinki-Vantaa airport is situated 18 km from the city centre and it takes about 30 minutes to get to the office by taxi. Alternatively, you can take the bus no615. It leaves approximately every 15 minutes and the journey to Helsinki bus station takes 35 minutes. From the bus station it is a 5 minutes walk to our office.
When travelling by car you can park in the Erottaja car park, drive in from Yrjönkatu. It is located 300m from our office.
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The most significant regulatory change of the last few decades in EU data protection law is drawing nearer: the General Data Protection Regulation, known as the 'GDPR', becomes applicable in May 2018. The GDPR sets out harmonised core principles and rules on data protection across all EU Member States, therefore requiring them to review national data protection laws, amending or repealing those that overlap with the GDPR.
Following on from our UK Corporate PPA report, we are delighted to attach our International Corporate PPA report.
Counsel Tobias Bräutigam, based in our Helsinki office, has been accepted as an IAPP Fellow of Information Privacy (FIP).
Helsinki Tech & Comms team helps Tekes with a groundbreaking digital innovation
Risto has wealth of experience advising on dispute resolution matters as well as construction and real estate law matters. He is well known in the legal industry in Finland, and for the numerous positions of trust he has held over the years.
Bird & Bird's corporate team in Helsinki recently advised Finnish Visedo Oy, a Clean Tech company specializing in electric powertrains and components for commercial vehicles, heavy-duty machinery and marine industry, as it collected a financing package of EUR 20 million from existing and new investors.
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Inn on the Lake
Ockford Road, Godalming, GU7 1RH +44 1483478536
- Genomsnittlig
- Huvudrätt: £12
- Matkostnad: £28
- Öppettider
- Monday to Thursday: 11:00 - 22:00 Friday and Saturday: 11:00 - 22:30 Sunday: 11:00 - 21:00
Food was good.
Lisa Addison
09 april 2017
från Wallington
Tucked away in the historic town of Godalming, Inn on the Lake offers al fresco dining with beautiful lakeside views. Serving a menu of modern British cuisine with a Mediterranean influence, this refurbished gastro pub also comprises a large bar area with wooden and stone floors, nostalgic black-and-white artwork on the walls, and roaring fireplaces, as well as an airy dining area with suede chairs and cosy banquettes.
With chefs given the opportunity to train at cookery schools in Spain and Italy, the Inn on the Lake menu features modern signature recipes made using the finest available ingredients. As well as creative daily-changing specials, favourites include king prawn, crab and chorizo linguine, or spit-roasted chicken with lemon & garlic confit. A kids' menu and Sunday roasts also feature, and desserts include rich vanilla and chocolate gelato with home-baked cookies.
The result of a treasured partnership with Rothschild wine merchants, the cellar showcases many fine wines, while token real ales and premium spirits are found at the Inn on the Lake bar. Nostalgic British nibbles and eclectic sharing platters bursting with international flavours offer more laidback dining.
Inn on the Lake in Surrey is a 12-minute walk from Godalming Railway Station.
Inn on the Lake
Ockford Road, Godalming, GU7 1RH
Se alla restauranger i Surrey
Se alla restauranger i Godalming
Kundbetyg för Inn on the Lake
- Mat
- Värde
- Atmosfär
- Plats
- Service
- Drycker
((((( 9 april 2017 av Lisa Addison från Wallington
Food was good.
((((( 5 februari 2017 av Roz Johnston från Surrey
The lamb and salmon were excellent.
(((** 26 januari 2017 av Helen Peers från Godalming
The food is always good here with a large choice and regular changes to their menu. Unfortunately, the restaurant was very cold which doesn't make for an enjoyable dining experience and the waiter had an unusual manner, not really seeming to care about the customer's experience. When my friend finally chose her meal after so much deliberation with all the delicious choices it was disappointing to only be told at that stage that the spit-roasted chicken was unavailable.
((((* 16 januari 2017 av Coralie Ward-lewis från Normandy
Very good, happy family friendly,
(((** 15 januari 2017 av Anne Upham från Godalming
Absolutely fabulous food as always, however we had to ask to be moved due to a very loud party of 13 right beside us!! The service was brilliant and as soon as we asked to move the staff were very accommodating. Only problem was that we were moved to the back room and there was another very large party of similar size!! Suggest maybe have large parties in the same room and adjust staffing accordingly!!!!
((((* 2 december 2016 av Sheron Elston från Liphook
The meal was great, the service was very good but restaurant was sooooo cold we had to put our coats back on to eat our meal which wasn't good.
((*** 9 november 2016 av Colin Hayden-cook från godalming
Very disappointing service and food quality
((((( 19 september 2016 av John från Horsham
I have been here to dine and/or just to have drinks a few times in the last couple of months. Really like this place, food doesn't disappoint either. Inside/outside it is all presented really well. Staff are very good and friendly, never rush you while dining. Good atmosphere and you'll always find a little corner to relax. It gets busy, but the place is big enough to deal with it and you'll find a quiet spot somewhere, I think you wouldn't be disappointed here, so over all I'm happy to recommend.
((((* 20 augusti 2016 av Barbara Porter från Godalming
We visited to celebrate a friends 84 birthday, meal was very enjoyable and we loved the mini desert and coffee option.
(**** 25 juni 2016 av Andy från Farnborough
Poor - food was so overcooked it was inedable but staff seemed uninterested and then ignored us
Tyvärr så kan du inte boka Inn on the Lake online via vår hemsida
Befintliga erbjudanden
Erbjudanden direkt till din inkorg!
Hör om våra topperbjudanden först, och boka de bästa borden.
Du kommer snart att få tillgång till en massa bra erbjudanden
Restauranger i närheten
1723m 55 recensionerPrezzo - Godalming
Prezzo - Godalming
5289m 17 recensionerHarvester - Jolly Farmer
Harvester - Jolly Farmer
5302m 2 recensionerBarnett Hill
Barnett Hill
Modern British
5353m 30 recensionerThe Seahorse
The Seahorse


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The Principal of Mahomet-Seymour High School said it means a great deal to everyone in the district and community to be recognized as one of the top high schools in Illinois.
For the second straight year, the high school has made the Chicago Sun-Times list of the top 50 high schools in the state, coming in at 34 this year compared to 36 in 2012.
Principal Shannon Cheek said the rankings are primarily based on scores on the Prairie State Achievement Exam, which is taken by high school juniors. Cheek said it takes a lot of hard work to achieve such a ranking.
- Hear from Shannon Cheek.
Cheek added that students and staff are not satisfied with the ranking as the school continues to strive to find ways to improve. He said that effort includes looking at districts with a similar demographic that are ranked higher on the list.
Mahomet-Seymour and Mount Zion in Macon County are the only high schools in East Central Illinois to make the Chicago Sun-Times top 50 list.


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All Android applications categories
Your child will love finding and tapping the creatures as they swim past in this classic "peek-a-boo" application. Bright, beautiful screens with pleasant voiceovers, flash cards, and subtle sound effects keep your child's attention without the distracting and obnoxious strobes and loud sound effects found in other apps. And parents will love the flash card identifiers with a child's voiceover plus word spelling to reinforce the creature to your child!
* Peek-a-boo play mode with screen taps lets children discover sea creatures in a fun, accessible way they can easily understand
* Crisp creature artwork allows your child to identify fish, sharks, octopus, sea turtles, rays, dolphins, and more!
* Stable, bright underwater art screens make finding the creatures easy and fun as they swim through the stylized art layers
* Flashcard identifiers clearly highlight selected creature with block text spelling without flashing screens or distractions
* Voiceovers from children help your little one connect with the creature's identifier flashcard
* Subtle background sound effects immerse your child in the environment
Let us know your ideas for fixes or improvements at email@example.com – and stay tuned for new levels and more!
Kidsandi Software ("KIDS-AND-I") was created to allow our family to develop great apps together for you to enjoy. Our focus is on family-friendly, intuitive solutions designed to make your everyday life easier and more fun. With almost two decades of experience creating entertainment, gaming, and productivity applications, our development team looks forward to sharing great new apps and experiences with you!
KEYWORDS: sea creatures, sea, creatures, discover, discovery, learn, education, educational, fish, water, ocean, underwater, flash, cards, flashcards, spelling, alphabet, counting, math, learn, learning, wild, safari, kids, child, children, toddler, family, talking, first, words, baby, voice, card, flashcard
Tags: sea creatures , sea creatures for kids , sea creatures discovering , words sea animals , sea animals for kids , sea animals flash cards , pictures of sea creatures for cildren , pics of the sea and sea animals , ocean animals flashcards
from 1 reviews
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Product Description
Winemaker Notes - Mother Nature defines each vintage for a fine wine, and the 2013 vintage is no exception. In the winter of 2013, we saw above average temperatures and little rainfall in the Napa Valley. Needless to say, these grapes resulted in spectacular wines.
95 Points Robert Parker's Wine Advocate - The 2014 Cabernet Sauvignon Estate, which is a blend of 96% Cabernet Sauvignon and 4% Petit Verdot, is a beauty. Bigger-boned and framed than many 2014s, with more structure, this is classic Oakville material, with an opaque purple color and a big, sweet kiss of graphite, blackcurrants, Christmas fruitcake and spice box. Full-bodied and opulent, with moderate tannin, this is a gorgeous wine to drink now and over the next 20 or more years.


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SunampStack is an advanced heat storage designed to save you money by optimising the operation of renewable heat sources. It typically doubles the financial return on Air Source Heat Pumps and micro CHP (Combined Heat and Power) systems.
- • It takes the storage capacity of a giant hot water tank into an appliance around the size of a domestic refrigerator.
- • SunampStack is compact
- • Sunamp's advanced technology totally optimises the system ensuring comfortable heat is available in your home whenever you want and plentiful hot water.
- • SunampStack is sold with pre-selected; top quality heat pumps from leading manufacturers complete with advanced controls.
Also available for commercial use.
Contact our Sales Team to find out more or call +44 (0)1875 610001


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FREE SHIPPING on Credit Card Orders of $25 or more. Click for Details
Daily Summer Activities Fundraiser — Pre-Sell Option
Give students teacher-developed summer enrichment through Daily Summer Activities books while earning $4 in cash or $8 in Evan-Moor product credit for every book sold! Please submit the form to register. This offer is valid 1/31/17—6/30/17 for U.S. orders only.


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All Communications
Summer 2017
July 7: Community Update
June 26: Voter Registration Form Notification
June 14: In Support of the Warmbier Family
June 1: Virginia Primary Voting
Spring 2017
May 18: Walking the Lawn
April 25: Student Memorial Service: May 2
April 20: Year-End Updates for UVA Parents
April 18: Student Body Public Opinion Survey
April 13: Former Student Rose Marie Randolph
March 1: Spring Break Message
February 27: Student Council Leadership Team Application
February 1: UVA Student Message Regarding Mumps
February 1: Mumps: Please Take Precautions
Fall 2016
December 16: Semester Recap
November 30: Invitation to Lighting of the Lawn
November 10: Statement from the University Police Department
November 7: Election Day Information
November 2: Important Update on Bias-Motivated Incidents
October 27: Code Enforcement for Mopeds and Scooters
October 27: Personal Safety on Halloween
October 13: A Message for Students
October 13: Commemorative Zipper Pull for Final Exercises
October 13: News from UVA
October 4: Flu Clinic for UVA Students: Oct. 6
September 29: Get Your Flu Shot: Oct. 6 Newcomb Hall Influenza Clinic
September 20: "Take 3" Right Now to be Prepared for an Emergency
September 20: Updates for UVA Parents
September 14: Guidance for Parents on Housing Decisions for Next Year
September 1: Opportunities to Get Involved at UVA
August 31: Voter Registration Form Notification
August 29: Welcome back! News from the Library
August 29: Important Information for Athletics Events
August 19: UPC Welcome Week 2016
August 18: Starting the Year Positively
August 15: Welcome to UVA!
August 15: Welcome Week Activities
August 9: Move-In Reminders for UVA Parents
Summer 2016
July 29: Welcome to New UVA Parents


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God's Blueprint for Happiness (5 of 11) by Zach Terry
This content is part of a series.God's Blueprint for Happiness (5 of 11)
Series: Ecclesiastes
Zach Terry
Ecclesiastes 5:10-6:12
INTRODUCTION: Sequestration - Our local economy is experiencing the effects of the recent sequester. How many of you had a day off this week due to sequestration? Well as I've followed the updates on Social Media, I'm not so sure it was a, ''Day off''. I'm beginning to think some of the wives of our area were working with the Obama administration to get some things done around the house. However, wrapped up in this unasked for, ''time off'' many of you are finding that you do have good things to do with your time. You are catching up around the house, you are spending time with your kids, and I want to suggest to you that you give yourself time to, ''THINK DEEPLY'' about life.
Solomon was King over Israel and one of the luxuries of being King was that he had time to process and ponder things. Today we are going to see what he discovered when he turned his attention to that basic human desire for happiness.
An Englishman once said of Americans
''The trouble with you Americans is you have to be confoundedly happy all the time. You have dedicated yourself to the pursuit of happiness. You boast about it as an inalienable right as though happiness was the supreme and absolute goal of all existence. Surely there are more important things in life than being happy.
I remember early in my Christian walk I had the idea that happiness and holiness were incompatible.
ILLUSTRATION: A schoolchild that was asked what God was like said, ''As far as I can make out, God is the kind of person that is always snooping around to see if anyone is enjoying himself so that he can put a stop to it.''
That was my view of God, and that the view of God that some of you have. God is sort of a cosmic kill joy, a divine downer, a sovereign sourpuss.
I remember soon after my conversion hanging out with some friends, laughing, joking around, having fun... then leaving and pray ...
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The NEA, along with the NEH, the IMLS, the CPB, etc., etc., is very important for both symbolic and practical reasons. And I know that my professional niche is the nonprofit arts and culture industry. With respect to "Engaging Matters" I have seldom written about issues not directly related to the practice of community engagement, but the fight over funding cultural support mechanisms is vitally important to our industry so I know I should be … [Read more...]
It's been a week since the election. I have spent the time (metaphorically) in the fetal position under the covers. I regret that I've not had the psychological energy to weigh in before; I'm now viscerally aware that with age comes a marked reduction in resilience. (Who knew?) I will confess that one of my first impulses was to throw in the towel on my work attempting to better connect arts organizations with their communities. Even then, … [Read more...]
Five Years On
July 30 marked the fifth anniversary of Engaging Matters. On the one hand, it seems like yesterday that this journey began; on the other, it feels like it's been going on forever. I can barely remember what it was like not to think about the blog potential of virtually every single thing I do. (Some of you may remember posts about minor league baseball games I attended!) I began posting twice a week, but after a couple of years exhaustion led me … [Read more...]
What You Can Leave Out
In April I attended the Charlotte Jazz Festival (a new festival with a considerable amount of promise). On the first evening I heard an ensemble performance in which the pianist doubled on harmonica. In a particularly lively number he would frequently have to move back and forth between the two instruments. On one occasion he had considerable difficulty getting the harmonica out of his hand so he could attend, with both hands, to the demands of … [Read more...]
Funding Is Not an "Issue"
Title got your attention, didn't it? Recently Doug McLennan wrote about ArtsJournal's survey of readers about issues in the field: We Asked: What's the Biggest Challenge Facing the Arts? By far the most cited was funding, beating out relevance, diversity, and leadership by a wide margin. In one way this is surprising in that the most talked about issues in the field of late have been diversity, equity, relevance, and leadership. On the other … [Read more...]
Engagement Is a Means, Not an End
So much interesting stuff has been written recently about engagement and related topics, I barely know where to begin. The Irvine Foundation has published a series of mini-essays responding to questions about engagement. [Part 1, Part 2, Part 3] Diane Ragsdale posted an extended response to Irvine's question "Is there an issue in the arts field that is more urgent than engagement?" And Doug McLennan presented the results of an ArtsJournal survey … [Read more...]
Definitions, Again
Last November Matt Lehrman, author of Audience Wanted, ran a series of posts attempting to address the meaning of "audience engagement." The need to do so will probably never end as we have so many different uses for those words and so many different factors to consider when we do so. Nevertheless, definitions are one of my abiding passions. I confess to great sympathy with everyone struggling with definitions. In the four plus years I have been … [Read more...]
Driving While . . . .
An October article in the New York Times presented research into the nature of the African-American experience of police traffic stops. Concentrating on Greensboro, NC and a small group of cities that have made a commitment to keep detailed records which can be reviewed (credit is due for that), the article presented a powerful assessment of the reality experienced by people of color in dealings with the police. The findings are not (or should … [Read more...]
Marketing and Development Terminology
This is part of a series of blog posts in conjunction with TRG Arts on the interrelationships among marketing, development, fundraising, and community engagement. (Cross-post can be found at Analysis from TRG Arts.) The point of the series is that they are all rooted in relationship building and maintenance. Today we're talking about definitions. Oh great! But if all of these things are related, we've got to be able to understand how they are … [Read more...]
A 21st-Century Commons
In June I was asked to speak to representatives of New Mexico's Arts and Cultural Districts. The occasion provided me the opportunity to reflect on the intersection of creative placemaking and community engagement. Creative placemaking is designed, among other things, to bring "diverse people together to celebrate, inspire, and be inspired." [Ann Markusen and Anne Gadwa, Creative Placemaking: … [Read more...]


text: ALBANY, N.Y. (AP) ¿ Albany Molecular Research Inc. said Tuesday it filed patent infringement lawsuits against drug developers Dr. Reddy's Laboratories Ltd. and Sandoz Inc. over patents dealing with Sanofi-Aventis' antihistamines Allegra and Allegra D. Albany Molecular earns royalties from sales of Allegra from Sanofi-Aventis, as well as from the authorized generic. It filed the lawsuits in U.S. District Court in New Jersey, citing plans by Dr. Reddy's and Sandoz to market generic versions of the drugs. In November, Teva Pharmaceutical Industries Ltd. and Barr Pharmaceuticals Inc. settled a patent lawsuit with Sanofi-Aventis' over the allergy drugs Allegra and Nasacort. That deal will allow for sales of certain generic doses of the drugs early. Financial details of that settlement were not disclosed. Shares of Albany Molecular fell 3 cents to $8.08 in morning trading.


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Are you music group looking for FREE publicity ? Then add your details to Festivalpig
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text: It shouldn't come as much of a shock to you that I don't watch the ABC Family program "Pretty Little Liars". When I want to watch a show about corrupted youth, I go all-out and watch the "Teen Mom 2". I did once attempt to watch an episode of "Liars", due to its reputation for having hot twenty-something actors playing teenagers, but my attempt failed rather quickly. I haven't been less engaged by a program since Ashley was visited by Aunt Flo on "Degrassi: The Next Generation". While the show itself may not be my cup of tea, I still find myself appreciating the hot actresses involved, like Shay Mitchell for instance. For one thing, I respect that she's an actress, and not some reality-TV diva type. In the series of novels which the show is based on, 'Emily Fields' is described more by her physical beauty than anything else, so I can see why they picked Shay for the part. Also, in the novels she's described as bi-sexual, and on the show she's simply a lesbian. Much of the premise revolves around a love triangle between Emily and her three female friends. Unfortunately, I didn't catch any of this in the 10 minutes I watched, but you can bet I'll be keeping my eye out for the climactic underpants pillow-fighting episode.


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A matchup with another top 10 defensive unit? Boy, offenses sure don't have any gimmes in the AFC North.
The Ravens travel to Cleveland to face the 4-7 Browns this weekend, and another tough defense will be waiting for them. But with the Steelers and Bengals squaring off on Sunday, the Ravens will have a chance to gain a game on one of their divisional playoff contenders with a win over Cleveland.
Here's how the Ravens and Browns match up going into Sunday's game:
Total Offense
Ravens: 335.6 yards per game (17th)
Browns: 295.9 yards per game (28th)
Rushing Offense
Ravens: 98.9 ypg (26th)
Browns: 96.8 ypg (29th)
Passing Offense
Ravens: 236.7 ypg (13th)
Browns: 199.1 ypg (24th)
Total Defense
Ravens: 292.3 ypg (3rd)
Browns: 313.4 ypg (6th)
Rushing Defense
Ravens: 91.5 ypg (3rd)
Browns: 138.6 ypg (29th)
Passing Defense
Ravens: 200.8 ypg (5th)
Browns: 174.7 ypg (1st)
Turnover Ratio
Ravens: +4 (t-9th)
Browns: -1 (18th)
Yet again, the Browns sit at the bottom of the AFC North, but they've played some pretty good teams tough this season and very easily could be hanging close to .500 right now if they'd gotten a couple breaks.
Pat Shurmur's team duked it out with the Bengals last week, and Cincinnati needed a field goal in the last minute to escape with a victory over the Browns.
The offensive statistics aren't pretty for Cleveland, but they got running back Peyton Hillis - he of the 2012 Madden cover - back last week, and as I mentioned yesterday, their running game has been excellent over their last two games.
Second-year quarterback Colt McCoy seems to have regressed a bit this season after putting together an impressive rookie year, and the Browns' offense has generated very few big plays as a result. Cleveland has recorded the league's second-fewest plays of more than 10 yards all season and they don't have a single receiver with more than 500 yards on the season.
Defensively, however, the Browns bring it. They've got a strong front led by defensive linemen Jabaal Sheard (4.5 sacks) and Phillip Taylor (four sacks), and fourth-year defensive tackle Ahtyba Rubin has really come on this season. Former Maryland Terrapin D'Qwell Jackson is a tackle machine in the middle of Cleveland's 4-3 alignment, while cornerbacks Joe Haden and Sheldon Brown have been very impressive on the back-end.
Hillis credited the Browns' defense this week, admitting during a conference call with Baltimore reporters that if Cleveland's offense had just been able to put up a few more points this season, they'd likely have a couple more wins.
For the Ravens to avoid Sunday becoming Cleveland's first divisional win of the season, they'll have to stop Hillis and Cleveland's bruising running attack and run the ball effectively themselves. As you can see in the stats above, the Browns excel defending the pass, but are vulnerable in the ground game.
I know road losses to sub-.500 teams have been the theme this season, and I'm expecting Sunday's game to be a grind-it-out affair, but I think the Ravens will emerge victorious.
Put me down for a 23-9 Ravens win.
What about you? You feel another letdown game coming, or will the Ravens improve to 4-0 in the division this season?
Who you got?


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Great flat by the sea in the Gotic, Barcelona
Excellent modernist apartment for sale in Eixample Esquerra of Barcelona located in Villa Regia renowned near the most emblematic places in the area and surrounded by all services and pubic transport.
It is in a building built in 1900 that maintains its characteristics intact royal estate, with details of the time on its website and in the marble stairs and moldings on ceilings.
A highlight is the original hydraulic mosaic floors, the high ceilings with original moldings and the sunny gallery. All rooms of the house are filled with natural light as it is located on the 5th floor height.
Its 134 m2 allow the restructuring of the spaces have great potential. The property consists of 3 double bedrooms, 1 single bedroom, 1 bathroom and 1 toilet. The day area with a large living room of 30 m2 with access elongated balcony with beautiful views of the iconic Arc de Triomf and large kitchen.
It maintains original features with a ceiling height of almost 3.5 meters with coffered ceilings, such as exterior and interior woodwork, combined with some modern materials that give a warmth and remarkable functionality
Great opportunity to acquire a property of great historical value at a great price.
C/ Aragó 307
08009, Barcelona