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Plenary Lectures NOVEL AND NEW CONCEPT TO INCREASE OXYGEN TRANSFER IN BIOREACTORS D.I.C. Wang and B. Olle
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1 Content Plenary Lectures NOVEL AND NEW CONCEPT TO INCREASE OXYGEN TRANSFER IN BIOREACTORS D.I.C. Wang and B. Olle NATIONAL PATENTING AND LEGAL ASPECTS IN INDIA COMPARED WITH EUROPE AND USA ONES Amarjit Singh 1 13 Regulations and Patenting INTELLECTUAL PROPERTY IN BIO-TECHNOLOGY: RELEVANCE AND STRATEGY IN THE PHARMACEUTICAL INDUSTRY C. Noeske-Jungblut and A. Bertucco TECHNOLOGY VALUATION FOR BIOTECHNOLOGY: TECHNIQUES FOR VALUATION OF INTELLECTUAL PROPERTY A. Ranaulo, D. Napolitano, L. Iavarone and M. Iacobelli Biofinance BIO-INCUBATION: A PRIVAT/PUBLIC PARTNERSHIP BASED APPROACH 37 F. Conicella, A. Baldi and K. Romani DOING BUSINESS GLOBALLY: CROSS-BORDER FINANCING AND MARKET OPPORTUNITIES P. Barbanti 43 Metabolic Engineering TOWARD A BETTER UNDERSTANDING OF WHY AND HOW ANTIBIOTIC BIOSYNTHESIS IS BEING TRIGGERED IN STREPTOMCES? A. Smirnov, C. Esnault, A. Nowacka-Mazurek, C. Martel, E. Darbon-Rongere, H. Chouayekh, S. Ghorbel, N. Shikura, N. Seghezzi and M.J. Virolle GENETIC ENGINEERING OF ESCHERICHIA COLI TO ENHANCE BIOLOGICAL PRODUCTION OF VANILLIN FROM FERULIC ACID F. Luziatelli and M. Ruzzi SMALL ANIMAL IMAGING FACILITY:A METABOLIC AND STRUCTURAL IMAGING CENTER R. Grassi, C. Cavaliere, M. Corona, B. Andria, M.A. Di Pasquale, S. Cozzolino and A. Rotondo
2 Process Engineering THE ROLE OF SINGULARITY POINTS IN THE DYNAMICS OF A CHEMOSTAT A. Cammarota, M. Miccio and M. Poletto HETEROLOGOUS PROTEIN PRODUCTION BY YEAST IN AERATED FED-BATCH CULTURES: RELEVANCE OF THE HOST STRAIN VIABILITY V. Romano, L. Paciello, P. Parascandola, V. Palermo, C. Mazzoni, C. Falcone and E. De Alteriis ULTRASOUND EXTRACTION OF ACTIVE PRINCIPLES WITH HYPOGLYCEMIC ACTIVITY FROM MEDICINAL PLANTS A. Alupului and V. Lavric EXPERIMENTAL AND SIMULATION ANALYSIS OF MEMBRANE ADSORBERS USED FOR THE PRIMARY CAPTURE STEP IN ANTIBODY MANUFACTURING C. Boi, S. Dimartino and G.C. Sarti ASSESSMENT OF THE KINETICS OF PHENOL BIOCONVERSION BY PSUDOMONAS SP. OX1 G. Olivieri, M.E. Russo, A. Di Donato, A. Marzocchella and P. Salatino NOVEL EXPRESSION SYSTEMS FOR RECOMBINANT PROTEIN PRODUCTION AT LOW TEMPERATURES M. Giuliani, E. Parrilli, M.L. Tutino, G. Sannia and G. Marino PROTOPLAST FUSION TECHNOLOGY AND ITS BIOTECHNOLOGICAL APPLICATIONS N. Verma, M. Bansal and V. Kumar UNSTRUCTURED MODELS FOR BATCH CULTURES OF LACTOBACILLUS HELVETICUS A. Bouguettoucha, B. Balannec, S. Nacef and A. Amrane USE OF A MATHEMATICAL MODEL TO INVESTIGATE THE INFLUENCE OF NITROGEN CONSUMPTION ON PH DURING FERMENTATION H. Akin, C. Brandam, X.M. Meyer and P. Strehaiano MATHEMATICALL MODELLING ASPECTS OF TRICHODERMA REESEI SYSTEM: A REVIEW N. Verma, M. Bansal and V. Kumar NON-LOCAL PHENOMENA UNDER HEAT AND MASS TRANSFER IN THE HIGH RATE PROCESSES A. Muratov, A. Brener and O. Balabekov
3 Bio-Products IMPROVEMENTS IN PHA PRODUCTION, CONTROL AND APPLICATIONS N. Berezina, O. Talon and L. Paternostre INTERLOCKING OF PRIMARY AND SECONDARY METABOLISM IN ANTIBIOTIC-PRODUCING ACTINOMYCETES E. Stegmann, B. Hadatsch, C. Kittel, O. Puk, R. Menges, R. Suessmuth and W. Wohlleben A NEW FORMULA (BG z1) FOR MORE EFFICIENT DELIVERY OF B. thuringensis var. israelensis ENDOTOXINS AGAINST MOSQUITO S LARVAE S. Dell'Aversana, L. Tranchino, V. Di Grazia, G. Mele, G. Lacertosa, A. Petrozza and F. Cellini SACCHAROTHRIX ALGERIENSIS, A NEW ANTIBIOTIC PRODUCER: INVESTIGATIONS ON ITS SECONDARY METABOLISM C. Strub, C. Brandam, X.M. Meyer and A. Lebrihi EFFECT OF INULIN SUPLEMENTATION OF MILK TO PREPARE FERMENTED BIOMILKS R. Oliveira, P. Perego, A. Converti and M. Oliveira BIOCONVERSION OF FERULIC ACID OBTAINED FROM WHEAT BRAN INTO VANILLIN L. Sciubba, D. Di Gioia, L. Setti, M. Ruzzi and F. Fava SHELF STABILITY OF LUTEIN FROM MARIGOLD (TAGETES ERECTA L.) FLOWERS IN VEGETABLE OILS R. Lavecchia and A. Zuorro EFFECT OF THE CARBON AND NITROGEN SOURCES ON BIOSURFACTANT PRODUCTION BY PSEUDOMONAS FLUORESCENS BIOSURFACTANT CHARACTERIZATION A. Yataghene, M. Abouseoud, R. Maachi and A. Amrane FRUCTOOLIGOSACCHARIDES PRODUCTION FROM SUCROSE BY ASPERGILLUS SP. N74 IMMOBILIZED IN CALCIUM ALGINATE O. Sanchez, F. Guio, D. Garcia, N. Algecira, E. Silva and L. Caicedo COMPARATIVE BATCH GROWTH STUDIES OF PURE LACTOBACILLUS STRAINS AND THEIR CO-CULTURE IN SYNTHETIC MEDIUM WITH DIFFERENT NEUTRALIZING AGENTS M. Ghosh and U. Ghosh
4 Biofuels BIOFUELS:DREAM OR REALITY. ENTHALPIC, EXERGETIC AND SOCIOECONOMICAL ANALYSIS L. Zanderighi CONTINUOUS PRODUCTION OF BIODIESEL USING A MICROTUBE REACTOR G. Guan, K. Kusakabe, K. Moriyama and N. Sakurai CONTINUOUS BIOETHANOL AND BIOGAS PRODUCTION FROM FOOD PROCESSING WASTE M. Zanette, M. Torresendi, D. Bolzonella, F. Fatone and F. Cecchi FUNGAL BIOMASS-BASED PRODUCTION OF LIPIDS FOR BIODIESEL SYNTHESIS A. D'Urso, R. Bubbico, M. Scarsella and M. Bravi PRODUCTION OF HYDROGEN BY WASTEWATER SLUDGE USING ANAEROBIC FERMENTATION IN A PILOT SCALE REACTOR B. La Licata, A. Scaletta, F. Sagnelli, T. Tommasi, P. Zitella and B. Ruggeri A STUDY ON THE BIOCHEMICAL REACTION ENGINEERING OF BIODIESEL PRODUCTION A. Gallifuoco, L. Cantarella, A. Spera, I Venti and M. Cantarella ASSESSMENT OF KINETICS OF BUTANOL PRODUCTION BY CLOSTRIDIUM ACETOBUTYLICUM F. Napoli, G. Olivieri, A. Marzocchella and P. Salatino PRODUCTION OF 2,3-BUTANEDIOL BY BACILLUS STEAROTHERMOPHILUS: FERMENTATION AND METABOLIC PATHWAY P.P. Giovannini, M. Mantovani, A. Medici and P. Pedrini GLYCEROL FERMENTATION TO 1,3-PROPANEDIOL BY KLEBSIELLA OXYTOCA NRRL B-199: STUDY OF THE INHIBITION OF THE FINAL PRODUCTS OF BOTH THE OXYDATIVE AND THE REDUCTIVE ROUTES C. Galdeano, G. Salguero, V.E. Santos, M. Zazo, J.L. Garcia and F. Garcia-Ochoa STUDY ON REACTION PARAMETERS IN LIPASE-CATALYZED METHANOLYSIS OF PLANT OIL M. Hajar, F. Vahabzadeh and S. Shokrollahzadeh
5 Industrial Enzymes ENHANCEMENT OF LYCOPENE EXTRACTION FROM TOMATO PEELS BY ENZYMATIC TREATMENT R. Lavecchia and A. Zuorro WATER CONTACT ANGLE AND FTIR STUDY OF THE SURFACE MODIFICATION OF PET BY LIPOLYTIC ENZYME I. Donelli, P. Taddei, V.A. Nierstrasz and G. Freddi LACCASE-CATALYSED AZODYE SYNTHESIS 315 M. Trovaslet, E. Enaud, A. Bazes, C. Jolivalt, F. Van Hove and S. Vanhulle NICOTINIC ACID BIOPRODUCTION IN UF-MEMBRANE REACTOR VIA NITRILE HYDRATASE-AMIDASE CATALYZED REACTIONS M. Cantarella, L. Cantarella, A. Gallifuoco, A. Malandra, A. Spera and L. Martínková IMMOBILIZATION-STABILIZATION OF CANDIDA ANTARCTICA LIPASE B IN AGAROSE-GLYOXYL AND AGAROSE-OCTYL: DEACTIVATION KINETICS C. Belver, J.J. Tamayo, L. Molinero, M. Ladero, B.C.C. Pessela, J.M. Guisán and F. Garcia-Ochoa EVALUATION OF ORANGE PEEL AND GREEN SOYBEAN AS A SUBSTRATE FOR THE PRODUCTION OF α-galactosidase BY A SOIL ISOLATED ASPERGILLUS ORYZAE IN SOLID STATE FERMENTATION D. Alvarez and O. Sanchez EVALUATION OF DRYING TECHNIQUES MEASURING PROTEOLYTIC ACTIVITY OF PAPAIN OBTAINED FROM UNRIPE FRUIT AND SKIN JUICE A. Puig, I. Gil and O. Sanchez BIO-EXTRACTION OF OLIVE OIL: IMPROVEMENT OF QUALITY AND EXTRACTION OUTPUTS B. Aliakbarian, D. De Faveri, A.A. Casazza, R. Oliveira, M. Oliveira, A. Converti and P. Perego CHIRAL AROMATIC ALCOHOLS PRODUCTION BY THERMOPHILIC NADH-DEPENDENT CARBONYL REDUCTASE A. Pennacchio, B. Pucci, F. Secundo, F. La Cara, M. Rossi and C.A. Raia
6 Health Care Biotechnologies ALBUMIN-BOUND TOXIN REMOVAL IN LIVER SUPPORT DEVICES: CASE STUDY OF TRYPTOPHAN ADSORPTION AND DIALYSIS M.C. Annesini, V. Piemonte and L. Turchetti OPTIMISATION STUDIES ON MULTIPLE ELICITOR ADDITION IN MICROBIAL SYSTEMS: P. CHRYSOGENUM AND B. LICHENIFORMIS R. Nair, T. Murphy, I. Roy, A. Harrop, K. Dixon and T. Keshavarz OPTIMIZATION OF CAPSAICIN ACYLASE PRODUCTION FROM STREPTOMYCES MOBARAENSIS IN BENCH-TOP REACTOR S. Crognale, P. Barghini, P. Di Matteo, F. Federici and M. Ruzzi THE MINI BIOARTIFICIALIVER: A CELLULAR BIOSENSOR IN THE DRUG DEVELOPMENT PROCESS B. Andria, A. Bracco, E. Alimenti, C. Attanasio, A. Tammaro, S. Scala, RAFM Chamuleau and F. Calise FURTHER STUDIES ON NUCLEOPEPTIDES WITH DABA-BASED BACKBONE G. Roviello, D. Musumeci, E.M. Bucci, M. Castiglione, C. Pedone, E. Benedetti, R. Sapio and M. Valente EXPERIMENTAL MODELS IN LARGE SIZE ANIMALS FOR DEVICES IN VASCULAR PATHOLOGIES A. Pantaleo, L. Di Tommaso, M. Monaco, S. Castaldo, D. Di Napoli, P. De Marinis, S. Cozzolino and G. Iannelli Environmental Biotechnology MODEL INVESTIGATION OF FUNGAL ACTIVITY ON A SYNTHETIC BIORECALCITRANT WASTEWATER A. D'Urso, D. Gapes and M. Bravi STUDY ON LABORATORY REACTORS FOR BIODEGRADATION OF TEXTILE DYES BY IMMOBILIZED WHITE-ROT FUNGI MYCELIUM J. Pocedic, P. Hasal and C. Novotny USE OF ENZYMES IN THE PRE-TREATMENT OF COTTON 423 K. Opwis, D. Knittel and E. Schollmeyer PSEUDOMONAS AERUGINOSA GROWTH IN MICROWAVE IRRADIATED ENVIRONMENT R. Carta and F. Desogus MEMBRANE FILTRATION OF SURFACE WATER FOR THE REMOVAL OF HUMIC SUBSTANCES M. Prisciandaro, A Salladini and D. Barba
7 BIOFILTRATION OF TCE VAPOURS IN A MIXED COMPOST-INERT CARRIER TRICKLE BED L. Della Vedova, I. Colussi, A. Cortesi and V. Gallo HIGH-RATE ANAEROBIC-AEROBIC BIOLOGICAL TREATMENT OF A WASTEWATER FROM A FISCHER-TROPSCH PROCESS M. Beccari, M. Majone, D. Dionisi, A. Donadio, E.N. Daddario and R. Sbardellati OPTIMIZATION OF A DESULFURIZATING BIOCATALYST BY COMBINING CELLS OF DIFFERENT CELL AGE OF PSEUDOMONAS PUTIDA CECT5279 J. Calzada, S. Heras, J. Carbajo, A. Alcon, V.E. Santos, J.L. Garcia and F. Garcia-Ochoa REDUCTIVE DECHLORINATION OF WEATHERED PCBS IN THE MARINE SEDIMENTS OF BRENTELLA CANAL OF VENICE LAGOON G. Zanaroli, A. Negroni, A. Balloi, D. Daffonchio and F. Fava BIOSORPTION OF AQUEOUS CHROMIUM VI BY LIVING MYCELIUM OF PHANEROCHAETE CHRYSOSPORIUM M. Nikazar, L. Davarpanah and F. Vahabzadeh BIOREMEDIATION OF OLIVE OIL MILL WASTEWATERS BY FUNGAL (T. VIRIDE, STRAIN 8/90) SEQUENCING BATCH REACTOR A. D'Urso, D. Gapes and M. Bravi KINETIC MODELING OF BIOSORPTION OF HEAVY METALS BY LOOFA-SPONGE IMMOBILIZED PHANEROCHAETE CHRYSOSPORIUM FROM AQUEOUS SOLUTION M. Nikazar, P. Namiranian and F. Vahabzadeh SUSTAINABLE DECONTAMINATION OF AN ACTUAL SITE AGED PCB POLLUTED SOIL BY A BIOSURFACTANT-BASED WASHING FOLLOWED BY A PHOTOCATALYTIC TREATMENT D. Todaro, F. Occulti, G. Camera Roda and F. Fava POTENTIAL OF MICROBIAL SPECIES IN BIODEGRADATION OF VOLATILE ORGANIC COMPOUNDS FROM WATERS L. Jecu, A. Gheorghe, F. Popea, A. Rosu, A. Stoica and M. Stroescu BIOLOGICAL CONTROL OF PHYTOPATHOGEN MICROORGANISMS WITH ANTAGONIST BACTERIA A. Gheorghe, L. Jecu, A. Voicu, F. Popea, A. Rosu and A. Roseanu EVALUATION OF M-NITROPHENOL AND P-NITROPHENOL DEGRADATION WITH BIOLOGICAL ACTIVATED CARBON BY IMMOBILIZATION OF PSEUDOMONA PUTIDA ATCC E. Escobar, J.C. Moreno, M.D.P. Perez and O. Sanchez
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Uplift Blend
The Essential Oil Company has combined several pure essential oils intended to help raise your spirits.
This invigorating properties blend of essential oils cna be used in soap, candles and incense. Add them to your favorite diffuser for that perfect lift, any time. Mix into your bath salts.
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This statement has not been evaluated by the FDA. This product is not intended to diagnose, treat, cure, or prevent any disease.

subset: commoncrawl


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Le Thermog̬ne
Le Thermog̬ne: Engendre la chaleur et gu̬rit: toux rhumatismes, points de c̫te, etc. Translates to "The Thermogenic: Generates heat and cures, cough, rheumatism, coast points, etc." Created by Leonetto Cappielloin 1909 and published by Etablissements Vercasson, Paris as a color lithograph at 158 x 118 cm.åÊ
Poster advertising Le Thermog̬ne poultice showing a clown happily dancing and exhaling fire while carrying his lungs across his chest.
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Photos of the Titanic Aftermath Are Incredible
Photos| | By Lauren Boudreau
Were people surprised when the Titanic sunk? Yes. Should they have been? No.
The supposedly unsinkable ship sank in its entirety about three hours after hitting an iceberg in the Atlantic Ocean on April 14, 1912. Later, Frederick Fleet, the lookout who initially spotted the iceberg, would say that if he had been issued binoculars, he would have been able to spot the iceberg in advance.
It's been exactly 104 years since the sinking and the RMS Titanic is still as infamous as ever.
There's the famous Lifeboat #1, which left the ship with only 28 men on board despite being designed to hold 65.
Then there's American business man Benjamin Guggenheim and his valet, who, when realizing they would not be rescued, were last seen heading to the grand staircase, doors closing behind them. Guggenheim was quoted saying, "We've dressed up in our best and are prepared to go down like gentlemen."
The ship's designer, Thomas Andrews, was last seen staring blankly at a painting in the first class smoking room.
Bruce Ismay, the White Star's managing director, would never live down criticism after being the highest ranking official to survive the sinking.
Of the ships 2,224 passengers, only about 700 survived.
The stories are plentiful and certainly interesting, but what's equally as interesting are the stories depicting what happened afterward. From the lifeboats, to the iceberg, to the people waiting anxiously back in England for the survivors to arrive – these photos are everything you may have never heard about the Titanic.
(h/t: Mashable)


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Karachi: Pakistan chief selector Mohsin Khan has defended the Cricket Board's (PCB) decision to recall former captain Mohammad Yousuf in the national team for the ongoing Test series against England even as many former players have criticized the call.
"He is a seasoned player and his inclusion will be a boost for the team in the remaining Tests against England," Mohsin said on Thursday.
But though he was included in the touring squad, Yousuf was dropped from the playing eleven for the second Test against England at Edgbaston.
Mohsin, a former Test cricketer, was of the opinion that Yousuf's experience will be a boost for the inexperienced Pakistan batting line-up. He was hopeful that Yousuf would not show signs of rustiness when he makes his international comeback after almost seven months.
"Yousuf is one of the best batsmen in the world. The presence of such a player will definitely give a huge boost to the team," he stated.
"The biggest thing is his presence will also be a good thing for the youngsters in the side who can learn a lot from him and he can also guide them through the tough tour," he said.
"He has played a lot in English conditions. I hope he will overcome the lack of practice soon and will use all his experience to score runs for the team," said Mohsin.


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Client support: Phone: (+357) 22314160
FX & CFD trading involves significant risk
The euro rose against the dollar and the yen, after a five-day decline against the backdrop of a member of the Board of the ECB statement on the provision of the European Fund for Saving the banking license.
Also, the single currency has strengthened against most of the 16 most traded currencies, as the profitability of Spanish and Italian bonds fell against the backdrop of optimism, as the European Stability Fund will help to curb the debt crisis in the region. Yield of 10-year bond fell to Spain's 25 basis points to 7.38% level, while the Italian has declined by 15 basis points to 6.45%. The euro rose against the dollar after data showed that sales of new U.S. homes unexpectedly fell in June. The pound fell sharply against the dollar, which was caused by the publication of data on GDP, according to which the UK economy is shrinking the third consecutive quarter.
The Canadian dollar has appreciated significantly during the day against the dollar, updating the previous day at least, that was caused by weak data from USA.
|remaining time till the new event being published
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GAIL has launched Asia's first integrated gas management system to track all information on transmission and distribution of natural gas in the country
GAIL (India) Ltd has launched Asia's first integrated gas management system to track all information on transmission and distribution of natural gas in the country.
The SAP (application)-based gas management system, third of its kind in the world after Petrobras in Brazil and Pemex in Mexico, was launched at GAIL's corporate office in New Delhi by the Minister of State for Petroleum and Natural Gas, RPN Singh, a company statement said.
"The gas management system will put an integrated and enterprise-wide system in place, covering GAIL's entire pipeline network," it said. All the information related to commercial transactions like gas volume, calorific value, consumption of gas, value of gas consumed, nominated quantity of the gas delivered, transmission tariff, price of gas, other costs and applicable taxes will be available on a real time basis.
"The system will help in monitoring operational aspects of the pipeline on a real time basis including information regarding network utilisation, gas sales, volume transferred, revenue generation through gas sales and price variations," the statement said.
It will facilitate online invoicing which could be downloaded at customers' end from the GMS portal directly, thus enabling better customer service and faster realisation.
At present, the gas utility operates over 8,000km of trunk gas pipeline network in the country with a capacity to transport 160 million standard cubic meters per day of gas.
The company is implementing projects to add another 6,700km of pipeline at an investment of Rs30,000 crore over the next two years. This will enhance the transmission capacity to around 300 mmscmd and enable GAIL to reach out to customers in 16 states. On Friday, GAIL ended 0.33% down at Rs463.45 on the Bombay Stock Exchange, while the benchmark declined 0.13% to 19,420.39.
Mis-selling of financial services was rampant a few years back, the regulators tried to strike back… but the implementation of these regulations has been tardy, and the reputation of advisors is now being tarnished
It might surprise you that I am a personal financial advisor, a species which is getting extinct fast. I was doing reasonably well in my BPO career, till I decided to move into personal finance, which has always been close to my heart.
It was not forced on me by circumstances. Like so many other souls, I too have been inspired by the wit and wisdom of Warren Buffett. I believe in his view that doing what one loves is the ultimate luxury and a person's standard of living is not equal to his cost of living.
In other professions, to survive, you need to sell your services. While in personal finance, you need to sell both your services and products.
Some years ago, mis-selling was rampant. People who sold certain products like ULIPs (unit-linked insurance plans) or close-ended NFOs (new fund offers) made more money in a month than what some one else of the same calibre would take atleast a year to earn through a salary.
The mis-selling was unethical although not illegal, because all these products were cleared by the regulatory authorities! Then, suddenly, a lot of action was taken to curb mis-selling. At best I can say that the intention was good, but the implementation was lousy.
Again, I wonder, why create a product structure, or environment, that creates mis-selling, and then go to the other extreme of making a livelihood through selling itself difficult. I think we like to swing between two extremes-mis-selling and no selling. Not only that, selling itself has suddenly become a bad word.
Selling is not a bad word. Mis-selling is. The whole world revolves around buying and selling. In the regulatory zeal to eliminate mis-selling, selling itself is being eliminated. This, however, is valid logic! There cannot be any mis-selling if we abolish selling altogether.
I come across many advisors who are ethical but are pushed to the point where they are now feeling guilty about the word 'sales'. The repeated emphasis we keep hearing from sections of the media is that selling financial products is bad. I'm curious. Like everyone else, the media too sell themselves, right? Then why this advisor-bashing, that advisors should not sell?
Without monetary incentives, why should someone take the pain to take the product to the customer and service him? If the expectation from regulators or sections of the media is that advisors should not look at financial incentives, then this profession can be left only to enlightened souls, if there are any, and if they are keen to take up this job.
Next to banks, in financial services, only Life Insurance Corporation of India (LIC) is able to penetrate across different geographies and income groups. Ignoring the fact for the moment, whether combining insurance and investment is wiser, this reach is made possible only because of LIC's sales force.
The irony is that despite this success, the life insurance penetration in India is barely 4%. It is reported that only 1% of Indians have medical insurance coverage. Around 1% of the population invests in capital markets, both through mutual funds and the direct equity route. The abysmal 1% again!
I read that equity as a percentage of household savings has actually come down in the last 15 years. If you remove the mark-to-market effect, I don't think the equity corpus of mutual funds have grown at all during the past decade.
This contradicts the claim that the National Stock Exchange (NSE) and National Securities Depository Ltd (NSDL) have made big inroads and achieved penetration. They are not able to reach with technological power what LIC has done with its human power.
Though I have a vested interest in saying this, human interface and long term relationship gives more comfort to people while dealing with their money. Technology can complement, but cannot substitute the human factor.
Now NSDL is campaigning that 'demat'ing the mutual fund units which are already in demat form is the next best thing that can happen to investors. I'm amused by this concept of demating a mere account statement. Extending the same logic, the demat statement issued by DPs (depository participants) also needs to be demated. Does this sound illogical? There is no difference between an account statement and a demat statement. Both merely indicate your holdings and are not the certificate of your holdings. NSDL can try doing something meaningful.
Our focus should now be to increase the reach of financial services and products. How to bring 350 million people into the system? The rest of the 850 million are simply forgotten ones and cease to exist except at the time of elections. I've to write a separate piece about them.
We should be giving as much focus to development as we give to regulation. Otherwise there would not be anything much left to regulate. Continuously trying to regulate without any efforts to develop would amuse even Mohammed Bin Thuglak.
Since so much is spoken about lack of employment opportunities in this country, why cannot we create around 1 million advisors who would take products and services across India to all income groups?
A proper incentive structure is a must. Incentive includes reward for good behaviour and a penalty for bad shows. An advisor should have confidence that he can make a living out of selling products and services. Otherwise no one would want to take up this profession.
There is a line of argument-"why not make advisory a fee-only profession?" A noble thought indeed. If practical, this is a better way to service customers so that there is no suspicion of conflict of interest. However noble intentions ought to be checked with ground reality.
People like you, who read personal finance portals, informed investors, NRIs, HNIs-who are willing to pay for the value received, are an insignificant portion of the current investible population, which itself, as seen above, is next to nothing.
The huge segment of population which needs to be brought inside, does not belong to the above category and is not confined to the financial hub like Mumbai or other metros and Tier I cities. They are spread across innumerable cities and towns.
My opinion is that the general Indian mindset is to prefer inbuilt pricing rather than paying separately. Even in the case of mutual funds, inbuilt transparent pricing which encourages long-term investments is far better than re-introduction of entry load or variable load. Relationship managers at institutions, by the very nature of their job profile which focuses on short-term targets and performances, may be tempted to misuse this.
Insurance products and small savings have always had inbuilt pricing models. There is no such thing as a separate load or advisor charges. Of course, insurance companies need to work a lot more on bringing in transparency related to pricing.
People who talk about replicating a US model in India should compare the financial awareness and product penetration levels between both the countries.
Simply aping the west without considering local realities would ensure that the growth remains stunted.
Someone may argue, aren't people paying doctors? People consider the medical profession as essential or critical. Do people consider personal financial advisory as essential as medical advice? I leave it to Moneylife readers to decide.
Another profession which is cited as an example is that of an auditor. Speaking about chartered accountants, it has been made legally mandatory on various fronts to avail their services. It is not so for a personal financial advisor. So the comparison is not appropriate.
Like any other profession, grey areas exist even in medical practice and the auditing profession. Not that every one there may be making money purely through professional advice.
I'm not against regulations. Only an ignorant man would expect people to act perfectly without any checks and balances in place. As I said earlier, let us also give at least equal importance to development.
The motto for every advisor should be, in the words of Warren Buffett: 'I don't want to be on the other side of the table from the customer. I never was selling anything I didn't believe in myself or own myself'.
(The author is a Chennai-based Certified Financial Planner)
MCX has launched futures trading contracts in 10 commodities that would expiry in May and June
Leading commodity bourse MCX has launched futures trading contracts in 10 commodities that would expiry in May and June.
The exchange has made available futures trading contracts in gold guinea, aluminium, lead, tin, zinc, nickel, menthol, melted menthol flakes and kapasia khalli with effect from today, MCX said in a circular.
The contracts of the above mentioned nine commodities will mature in May and June, while the almond contract will expire in September, it added. The contract specification of these commodities would remain unchanged, the circular said.
Presently, MCX has the largest market share of 83% in the commodity futures market. The exchange made a business of Rs86.97 trillion in 2010 and expects to touch Rs100 trillion in the current calendar year.


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Posted by DMT EXCEL LIMITED - VERIFIED EMPLOYER VERIFIED22 Mar 3:41 pmIkeja, Lagos
Job Description:
• Compiles data and operates typewriter or computer in performance of routine clerical duties to maintain business records and reports: Types reports, business correspondence, application forms, shipping tickets, and other material.
• Files records and reports, posts information to records, sorts and distributes mail, answers telephone, and performs similar duties.
• May compute amounts, using adding or calculating machine.
• May type on or from specialized forms and be designated Guest-History Clerk; Storage-Receipt Poster.
• May compile reports and type prescription data on labels in hospital pharmacy and be designated Dispensary Clerk.
• May be designated: Collection-Card Clerk; Motor-Pool Clerk; Order Clerk; Policy-Issue Clerk.
• May operate telex machine to produce records and reports.
• Efficient and pay attention to detail.
• Can use computer software packages, including Word, Excel and PowerPoint.
• Are a good communicator.
• Produce neat and well presented work.
• Are discreet - much of the information you will be dealing with will be confidential.
Stay safe!
Watch out for:


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Manvil26 Large 3 Bed Villa, Private Pool, Sea Views, Protaras
Beach villa with 3 bedrooms, 2 bathrooms and swimming pool in Protaras, Cyprus
Booking cost: £0.00
Pay onlybooking deposit
From £939 per week
Villa to rent in Protaras, Cyprus
Villa overview - owner's description
A spacious holiday home with 3 large bedrooms, a very private garden, luxury swimming pool, Pool Table and Table Tennis Table, BBQ area and lots of space for entertaining.
A beautiful detached 3 bedroom villa with a private swimming pool situated in the popular area of Protaras with all amenities within walking distance. Upon entering the villa you are welcomed into the living area which includes a flat screen TV, satellite TV with a selection of English channels, modern furnishings and new comfortable leather sofas. The kitchen is fully equipped with everything you could possibly need including extras such as a dishwasher, Microwave and a Coffee maker. There is also a small laundry room for the washing machine. The dinning table has seating for 6, while in the garden there is a table for 6 more people. There is one ground floor WC.
One thing that makes this villa so great is the Pool table and Table tennis table offering entertainment for the whole family!
Upstairs there are 3 bedrooms. The master bedroom has good size wardrobe space, an en-suite bathroom and a balcony with sea views. The second and third bedroom also have double beds and the third bedroom has an additional single bed too. A fold away bed with good mattress is available at all times for an additional guest ( This property can sleep 8 ) All bedrooms are fully air conditioned. From the upstairs landing you have beautiful views of the garden area and the sea through large windows.
The enclosed garden area is very spacious and is complete with comfortable sun loungers and umbrellas, an outdoor shower outdoor dining table, more seating area and a BBQ perfect for lazy days around the pool.
The villa is situated within walking distance to beaches, bars and restaurants however for those who do wish to explore Famagusta area and all it has to offer the regular bus service available runs every 30 minutes during the summer as well as taxis.
Protaras is well known as a family destination offering excellent scuba/water sports/boat trips and of course the famous Fig Tree Bay with its stunning golden sands and tempting crystal clear water. A short 200m walk takes you down to the sandy beaches of Pernera and a good choice of top quality restaurants. You also have a convenience store on the doorstep and a number of bars with family entertainment all less than 5 minutes walk. Protaras and its main tourist strip is a mere 15 minutes stroll away, you really don't need a car unless you wish to see other areas of Cyprus.
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This villa is:
Outside this villa in Protaras, CyprusThis villa is in the town and near a lively area and the beach. It has a pool, a balcony, a barbecue, outside lighting and a garden. Car hire is not necessary as the villa is less than a 15 minute walk to a large selection of shops, bars, restaurants; however parking is available if required.
Prices and availability
Updated 25 July 2017
Select your travel dates on the calendar
Changeover days and minimum stays
- 1 August - 31 October 2017: the minimum stay is 7 nights.
- 1 November 2017 - 30 June 2018: bookings must be for whole weeks only and the minimum stay is 7 nights.
- 1 August - 31 October 2018: the minimum stay is 7 nights.
- 1 November 2018 - 30 June 2019: bookings must be for whole weeks only and the minimum stay is 7 nights.
- 1 August - 31 October 2019: the minimum stay is 7 nights.
- 1 November 2019 - 31 May 2020: bookings must be for whole weeks only and the minimum stay is 7 nights.
Early booking discounts
- Arrive between 1 January - 31 May and receive 15% off if the booking is made 180 days before the arrival date.
If more than one discount matches your arrival date, please be aware that only one discount of the highest amount will be applied to your booking.
Refundable Security Deposit
£359.32 per booking, paid with booking
3 bedrooms, Sleeps 7:
- 1 double bed and en suite
- 1 double bed
- 1 double bed, 1 single bed
There is also 1 cot
1 bathroom, 1 en suite bathroom, 1 Separate WC
Swimming pool
Private pool, Size 10m x 5m, Depth 1m to 1.6m
CD player, DVD/Blu-ray player, Internet / WiFi, TV Languages in English, Local, Satellite / cable
Living area seats 7, Dining area seats 6, Air conditioning throughout property, Clothes drier, Iron / board, Towels / linen, Washing machine, Car hire optional
Cooker, Crockery, Cutlery, Dishwasher, Fridge, Freezer, Glassware, Kettle, Microwave, Oven, Pots / pans, Toaster
Balcony or terrace, Barbecue, Outside lighting, Parking, Private garden, Sea view
Snooker / pool table, Table tennis
Suitable for
Children, Hen or stag groups, Infants, Single gender groups, Smoking
Agency From Paralimni, Cyprus Member since Mar 2015
Response rate: 95%
Response time: within 1 days
Last logged in: a month ago
Number of properties: 9


text: Anyone hear of "The Human Centipede". A crazy, demented German surgeon kidnaps three people and conjoins them together in a really nasty way. It's part of a trilogy. The first is (First Sequence), the second is (Full Sequence), and the third is uknown at this point. Its a Dutch film being distributed by IFC Films. Its also rumored to be the most disturbing, sickest, grotesque, horror film ever made to date. Its also rumored to be 100% medically accurate, which means this could possibly happen. Tom Six, the director, actually consulted a surgeon to see if this was possible and how exactly would it be done. You can watch the trailer here.


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We were hesitant about this stay because of some of the reviews I had read, but went with it and were glad we did. Our rooms were very nice as was the hotel staff. We originally were on first floor but quickly asked to change to second floor and they accomodated us in minutes. We liked 2 pools and other facilities offered by hotel. We definitely are planning to book there next year but with request to be on 4th floor :)
- Official Description (provided by the hotel):
- Wyndham Garden Fort Walton Beach/Destin, Florida is a family oriented beachfront hotel tucked away from the Destin traffic on Okaloosa Island. No other location compares to the world's whitest beaches and emerald green waters. With fishing, golf courses, shopping, and other attractions nearby, you are sure to find a way to pass the sultry Florida days. Our full service resort features all the helpful amenities needed for a comfortable stay, including luxurious penthouses and one bedroom suites with kitchens. Romantic getaway? Our fabulous honeymoon suite presents cozy bedding in a warm setting and a deluxe view of the Gulf of Mexico from the Jacuzzi tub. Visit the Crab Island Cafe specializing in seafood entrees, or our seasonal poolside Manatee Grill & Bar. We haven't forgotten the business traveler or conventioneer. With 3,500 sq. Ft. Of meeting space, we are ideally suited to accommodate any function from a business conference to a wedding celebration. Relax, our professional event and catering staff can offer creative, budget-conscious ideas for a successful event. Want to add some fun to your day on the beach? Take advantage of all that is offered for free - bikes, ping pong, bingo by the pool, beach service with chairs and umbrella. Our Dive-in movies deliver drive-in quality in a wet atmosphere as our main pool becomes a cinema. Guest under the age of 24 must be accompanied by parent or guardian. ... more less
- Reservation Options:
- TripAdvisor is proud to partner with Booking.com, Expedia, Orbitz, Travelocity, Hotels.com, Ctrip TA, TripOnline SA, Hotwire, getaroom.com, Cancelon, Evoline ltd and HotelQuickly so you can book your Wyndham Garden Fort Walton Beach Destin reservations with confidence. We help millions of travelers each month to find the perfect hotel for both vacation and business trips, always with the best discounts and special offers.
- Also Known As:
- Holiday Inn Resort Fort Walton Beach Hotel Fort Walton Beach
- Holiday Inn Fort Walton Beach
- Fort Walton Beach Holiday Inn


text:
Africa Imperialism: Kenya
Thesis statement
Imperialism in Kenya helped Kenya progress with the new technology and knowledge they brought over, but there were also negative impacts on the country and the people who were living there.
Image: The Europeans meeting the Natives.
Pre Imperialism
Masai dominated society. The Kikuyu tribe was the largest at this time, however they did not have any power.
First century AD, First contact was made by Arib traders, who later started to settle.
Traded for Ivory and Slaves, for profit.
Fertile highlands started attracting Europeans, establishing huge plantations.
Once moved in, they resettled the Africans there.
1950's, there was a huge uprising from a group called MAU MAU.
Political cartoon. Europeans being in control of Africa
Europeans ended up giving up they land.
Kenya gained independence, granted in 1963.
Present Day
Culturally Diverse
One of Africa's major destinations.
Inhibited by corruption and limited economy.
Mwai Kibaki help with taking better steps to a better economy.
2006, two major political corruption incidents.
2007, massive violent outbreak during elections. They still have not recovered.
Works Cited
Ed. John Middleton. Vol. 1. New York: Charles Scribner's Sons, 2002. p151-167. COPYRIGHT 2002 Charles Scribner's Sons, COPYRIGHT 2006 Gale, COPYRIGHT 2007 Gale, Cengage Learning
Kipling, Rudyard. "The White Man's Burden, 1899." Internet History Sourcebooks. Fordham University, Aug. 1997. Web. 08 July 2015.
A Brief History on Kenya | Republic of Kenya | The Embassy of the Republic of Kenya (A Brief History on Kenya | Republic of Kenya | The Embassy of the Republic of Kenya)
Kenya country profile - Overview - BBC News (BBC News)
Imperialism in Kenya (Imperialism in Kenya)


text:
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Running Time: 103 minutes
Released: 04/2004
Studio Name: Filmco
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text:
Man at Arms isn't even close to running out of fictional weapons to recreate, and in the latest episode, he tackles a Pokémon which also happens to look like a sword. Pokémon are so crazy. Tony Swatton has mad skills, and he and his team grind steel into shape with a variety of techniques that look like sorcery. It has leather and glass accents, and of course they demonstrate Honedge's power by cutting things. I love that part.
Watch the process after the break.


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HS State Solo & Ensemble Festival
HS State Solo & Ensemble Festival participation offers students the opportunity to express themselves through creating beauty, building self confidence and to be affirmed as a singer. Performers learn from the mentoring of an adjudicator and through preparation in a solo or ensemble event, students gain insights into the music as they continue their musical journey.
add instructions link
Sight Reading for Soloists
Sight Reading for Ensembles
Pitch: pitches, tonality and intonation
Other: Technique (either fixed or movable do, using either sollfege, numbers, letter names, or neutral syllable(s)), concentration of group members, expression, phrasing, tone, quality
State S&E Solo Rubric
State S&E Solo Sight Reading
State S&E Ensemble Rubric
State S&E Ensemble Sight Reading
Final Determinations
Scores will be calculated by multiplying the performance judge's score by three and adding the sight reading judge's score.
Medals are available for purchase for $4 each.
Missed Event Policy
Student Conduct
Soloists and ensembles interested in being considered for the Michigan Youth Arts Festival should click on the following links for important information.
MYAF overview
Deadline for registration and payment is February 21, 2017.
Bert Van Dyke
Kathy Cunningham
Katie McInnis
April 21 & 22, 2017
Districts 1, 2, 7 & 9
Big Rapids High School
Leo Humbach
Kevin Cornwell
March 24 & 25, 2017
Districts 3, 15 & 16
Avondale HS
Matt Laura
Chelsea Rize
April 21 & 22, 2017
Districts 4 &12
Woodhaven High School
Jan Brodersen
April 21 & 22, 2017
Lake Superior Christian Church
Cindy Hunter
Brett Yzquierdo
March 24 & 25, 2017
District 8: Ingham and Eaton Counties west of US127
Paw Paw High School
As innovative leaders in vocal music education, we provide experiences to inspire our diverse community.
Our vision is to reach the hearts of all people through song.
The MSVMA Offices are located in the Timme Building on the campus of Ferris State University, Big Rapids, Michigan.


text:
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Published: 2010-09-16 10:53:00
Updated: 2010-09-16 18:11:06
Posted September 16, 2010
Raleigh, N.C. — The temperature reached 90 degrees at Raleigh-Durham International Airport just before 1 p.m. Thursday. This year set the record for the most 90-degree days in a single year. Meanwhile, a new report says North Carolina's drought conditions "are likely to worsen over coming weeks and months."
The previous record for 90-degree days was set in 2007 when RDU reported 83 days of the hot temperatures. Thursday marked 84 days this year.
"Prior to 2007, the highest number of days in a year that temperatures rose 90 degrees or higher was 72," said WRAL Chief Meteorologist Greg Fishel.
However, two of the last four years, temperatures have risen past the 90-degree mark more than 80 days in the Triangle, Fishel added.
This year is on track to be the warmest on record. The government's latest statistics, covering January through August, show 2010 is tied with 1998 as the hottest year.
The world's average temperature for the first eight months of this year was 58.5 degrees Fahrenheit. That's 1.2 degrees above average for the period.
The most recent Drought Monitor released by the North Carolina Drought Advisory Board expanded the moderate drought conditions into the central part of the state and also "shows the return of severe drought conditions just northeast of the Triangle," according to Jeff Orrock, with the National Weather Service in Raleigh.
"Due to the lack of forecast rainfall and dry seasonal outlooks drought conditions are likely to worsen over coming weeks and months," he said.
As of Wednesday, "we are 7.5 inches below normal rainfall for the year," said WRAL meteorologist Nate Johnson. "September is normally one of the wetter months of the year."
This story is closed for comments.
Stop this just in: Stop flushing NOW because they now say we will have no rain until next March. They also say 12 winter forecasts will be blown when they predict snow and we don't see a flake because the atmosphere is too dry and it's 70 degrees in January.
Good Bye and Good Riddance mmb!! Maybe you could try Kansas!! I heat it is exciting there.
The Earth will last as long as it needs to...
It's time to stop flushing our toilets now! NOW!
Sorry, meBNme. There is not a single doubt (in the scientific field that is...) that climate change is anthropogenic. You can spare sending me a handfull of websites in which "scientists" deny this fact... I've read them all. I've also read the reports of the IPCC and proceedings from conferences (you know, things that only real scientists attend and are invited to) which will quite quickly debunk the pseudoscience contained on the opposing webpage.
It only takes a few minutes on Google. Try it sometime.
Start water restrictions NOW, cities and citizens, and not later when it's too late !
The maverick, John McCain, put it best during the 2008 campaign. Even if we are not entirely convinced that climate change is due to man's influence, it makes sense to support some sort of cap and trade program just in case we are actually influencing the climate. John McCain realized that the cost of being wrong is extremely great for future generations. Unfortunately, McCain will no longer support legislation that he favored because he would rather pander to the radical right-wing fringe. He has joined to party of "no" and will no longer support climate change legislation. After last night's primary, it is clear to see that the Republican party is being taken over by the wacko right. I was a Republican and supported the party but will no longer due so if they continue to elect "air-head" Sarah Palin wannabes to important Presidential and Congressional offices.
I don't know many folks questioning climate change or the increasing temps that we call global wariming.
What some of us are questioning is the "science" behind the claims that it is a man made situation, and therefore that these changes being pushed are even going to effect it.
your last comment is typical of the MMGW argument.
You start out with fact, the earths temp is rising, and how that can effect the earths climates. You then jumped the track to start bashing those mysterios "right wing extreme nuts" and bash what you THINK to be their argument. (yes there are exceptions to the rule and extremeist nut jobs in every bunch I agree) The picture you paint may be the opinion of a very few freaks, but the majority of conservatives, and folks everyone calls "right wingers" do NOT see things as you suggest they do.
You made a point, talking facts, then go off on a tangent bashing an imaginary opposing view that most of us right wingers dont even share. We are questioning the
Higher temperatures and drought conditions were predicted to occur due to global climate change. When the rain does come it is more likely to be in severe downpours which cause flooding. Global climate change is making the world's climates more severe. Hence, the major flooding in Pakistan and parts of the U.S. Midwest. Russia had a severe heat wave with massive forest fires in July. But who cares about the cap and trade legislation that might help reduce the problem and help future generations? The right wing extreme nuts told me to oppose it because it will hurt the bottom lines of the coal and oil industry. It may add $10 per month to my utility bill. I hope that your children and grandchildren remember how selfish you were as they deal with the consequences of a more severe climate and coastal flooding. It will cost us more at a later time to address the problem than it would if we just pulled our heads out of the ground and faced reality today.
Geosol, sounds like you need to change the station.
or maybe stop believing the steriotype hype being pushed by the puppetmasters who trive on dividing us using class, color, nationality, or social standing.
"If there is another drought looming..."
Dude, it isn't looming, it's been here and just camouflaged with occasional rain for some of the area. As for when they slam on the watering brakes, if they had 1/2 a brain cell they would've done that months ago. Too late now. Fire Danger warnings and if you watch close, the lakes are going to drop 3-4" a day any time now.
It's the Meekerville Armageddon Express. Rather "hell-ish" if you ask me.


text:
How to Speak English Well ... It's *NOT* what you think =) MP3
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I No Speak English MP3
Going around playing a retarded tourist. Please Subscribe! https://www.youtube.com/TwatteryYT?sub_confirmation=1 ...
Learn how to speak English Fluently and Confidently.Improve English Speaking MP3
secrets #2,3,4,5,6,7 to Learn how to speak English Fluently and Confidently http://www.youtube.com/watch?v=NTrW4DsIwp4.
How to Speak English FAST MP3
How to speak english quickly like a native speaker www.teacherphil.com www.tienganh1.com.
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English Conversation - Learn English Speaking, Learn English Vocabulary 1 [English Subtitle] MP3
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Lady at IHOP tells woman to speak English or get out of America.
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แชร์วีดีโอนี้ได้เลยนะครับ Speak English well. Don't be shy. Just speak. พูดภาษาอังกฤษเก่ง ไม่ต้อง...
Learn English: 3 easy ways to get better at speaking English MP3
There are easy ways to learn English, and here are 3 methods NOT taught in language schools or textbooks. These methods are fun, fast, and easy to learn!
Do You Speak English? - Big Train - BBC comedy MP3
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How to speak naturally in English: Reduction Mistakes MP3
Have you heard how native speakers shorten their words when they speak with each other? This is called "reduction", and you may have already started using ...
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dutch boys ;)
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text:
And this video is another one that went viral on social media that will truly give you stomach aches! This gay perfectly impersonated Duterte using gay lingo that made everyone crack up!
The video has already amassed more than 2 million views and is being shared thousands of times.Whether you are fond of hearing gay language or not, certainly after watching this video you will laugh when you see this. Check it out and have a laugh for yourself!CREDITS: Social Trends


text:
The crisis unleashed a wave of so-called DDoS, or Distributed Denial of Service, attacks, where websites are suddenly swamped by tens of thousands of visits, jamming and disabling them by overcrowding the bandwidths for the servers running the sites. The attacks have been pouring in from all over the world, but Estonian officials and computer security experts say that, particularly in the early phase, some attackers were identified by their internet addresses - many of which were Russian, and some of which were from Russian state institutions.
Thursday, May 17, 2007
Russia launches cyber-attack on Estonia
It seems that attacking European ambassadors by proxy in Moscow was not enough of a response to the Estonian removal of a Red Army statue from central Tallinn:
1 comment:
- Biby Cletus said...
Cool blog, i just randomly surfed in, but it sure was worth my time, will be back
Deep Regards from the other side of the Moon
Biby Cletus
- 5:57 pm
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text:
Georgia Tech, Auxiliary Services, 2003 Action Plans (Housing)
Georgia Institute of Technology. Office of Assessment
Georgia Institute of Technology. Auxiliary Services
MetadataShow full item record
Successes were: level of customer service increased, condition of room at move-in improved, and satisfaction with billing process increased. Most popular services were ResNet and GTCN, proving that technology is number one. Challenges are completing maintenance requests in a timely fashion, tracking work orders, and equipping staff to meet student residents' expectations.


text: Fa'ntar was a drink concocted by Quark to try and get rid of a supply of rotting fruit. It was an orange liquid which he described as a "rare but intoxicating blend of exotic fruits and spice leaves". He had previously attempted to sell the beverage as tarf'an, but neither name got him particularly good sales. (DS9 novel: Avatar, Book One)


text:
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I have a friend that I want to suck, but I don't know how to ask him, I know that he has a big dick, cause it shows thru his pants, I get close and he starts to get hard, but I am afraid he might punch me, how can I get his dick in my mouth, I dream about it!
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Halloween Photo Fun Frame and Booth Props - 59.7cm
These spooktacular photo booth props will add some excitement to your Halloween party! Suitable for children and adults, this kit comes with a sinister frame, two skeleton hands, and a skeleton half mask. Leave these props in front of one of our Halloween backdrops and watch the fun ensue. Frame measures 39.4cm x 59.7cm (15 1/2" x 23 1/2").


text:
This luxurious multi-purpose oil is perfect for hydrating your skin, hair and nails and will leave you feeling rejuvinated and velvety soft.
Rich in moisturising active ingredients, this velvety cream preserves the appearance of your skin's youth. It instantly melts into your skin to moisturize and protect against external damage for a simply radiant effect. Use on dry areas of combination skin with Vinopure applied to the T-zone.
How to use Caudalie Premières Vendanges Moisturizing Cream
Apply morning and evening to perfectly clean skin.
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No review left, Victoria from Newport just rated this a 4 star product.
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Black Sheer Fishnet Pattern Lingerie Dress
Treat yourself with this lavishly sexy sheer dress. Wear under your favorite outfit for a provocative & sensuous feeling just for you, or share with that special someone for a passionate journey into sweet seduction. This is how you define intimacy. Garment is One Size. Fits heights of approximately 5'-5'10" & weights of 90-175 pounds.
• Sheer Solid Areas With Fishnet & Hole Patterns
• Trendy Short Dress Style Of Intimate Body Wear
• 92% Nylon & 8% Spandex
• Nylon Blend
• Imported
Product Code: CL03847/CL03847


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Call our experts: 888.808.FINE
Shop Personalized StationeryCarlson Craft Wedding Invitations Customize any Address Stamp to match your style!
Select a quantity and printing method. Changes are easily made later.
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text:
Type TV
Airing Status Finished Airing
Duration 25 min. per episode
Air Date Apr 2, 1973
Season spring 1973
Producers Mushi Productions
Genres comedy
<p>The hero of Wansa-kun is Wansa, a puppy who is sold for a pittance, then escapes, and spends much of the rest of the series looking for his mother. </p>
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Swiss Asset Management Company with Broad License #471519 posted Jul 5, 2017
- Zug, Zug, Switzerland
Our law firm acting on behalf of shareholder of Swiss asset management company. They are our clients for years and this company was created by us in 2012. So, we know everything about. Very broad license for parabanking activity (as financial intermediary), for EAM, FX and other services as well....
Swiss Trust/Foundation (Government Supervisory) #471520 posted Jul 5, 2017
- Zug, Zug, Switzerland
Our law firm (office in Zug, Switzerland) action on behalf of current owners of Swiss Trust/Foundation. 100% tax free, under supervision of Federal Department of Home Affairs (Eidgenössische Stiftungsaufsicht). No debts, no issues, doesn't conduct any operations. Additionally, we will provide...
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RIVER GROVE, IL - The Illinois Manufacturers' Association (IMA) Education Foundation awarded Triton College $25,000 in scholarship funds for meeting a series of set standards and performing at a high level of active engagement to foster greater educational opportunities within the field of manufacturing. Triton College is one of three institutions across the state that is receiving a scholarship from the IMA Education Foundation this summer.
Triton College is one of the leaders statewide in manufacturing education, and is a key partner in the Illinois Consortium for Advanced Technical Training (ICATT) offering comprehensive apprenticeship studies beginning this fall. By developing and implementing a true German-style apprenticeship model Triton's program assures a high quality pool of candidates to fill the most technologically demanding careers in manufacturing today. With nearly 600 thousand manufacturing jobs in Illinois, Triton's innovative manufacturing programs taught by dedicated faculty help students to acquire the in-demand skills that employers throughout Chicagoland are looking for.
"Triton College is appreciative of the IMA Education Foundation for supporting manufacturing and engineering students with this scholarship donation," said Triton College President Mary-Rita Moore. "We are proud of our partnership efforts and are committed to future opportunities with area manufacturers to meet the region's workforce needs."
"The skills and certification opportunities being provided through Triton College's programs provide students a competitive advantage in an industry that has long been the backbone of our economy," said William Hickey, chairman, Illinois Manufacturers' Association; president, Lapham-Hickey Steel. "As a third generation manufacturer, I cannot stress enough the importance for local employers to be engaged with our community colleges to ensure success for the next generation of skilled workers in our industry."
"Among the objectives of the IMA Education Foundation is a provision for IMA to provide scholarship opportunities for deserving students following a pathway of study leading to a manufacturing career," said Andrew Faville, board member, Illinois Manufacturers' Association; CEO, Falex Corporation. "This scholarship award will assist manufacturing students with the cost of tuition, books, fees, transportation and childcare services so students can alleviate some of their financial concerns while focusing on their education and training."
Community colleges receiving funding must demonstrate active engagement with the manufacturing community by meeting certain set standards demonstrating their commitment to education and training focused on the manufacturing and technology sector.
"The students at Triton College have the potential to ensure our state will continue to build a strong pipeline for the workforce and fill the skills gap that is facing our industry," said Greg Baise, president and CEO, Illinois Manufacturers' Association. "We hope to continue broadening participation and working with these institutions to increase success across the board for students pursuing opportunities in the manufacturing sector."
The IMA Education Foundation Board of Directors has endowed its second round of annual scholarship to three schools this summer for the 2016-2017 academic year. The first round of endowments were made to six institutions last summer for the 2015-2016 school year. The IMA Education Foundation scholarship investments in these programs will help students for years to come.
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