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Interest rate and exchange rate exposures of banking institutions in pre-crisis Korea
This study empirically investigates interest rate and exchange rate exposures of banking institutions in pre-crisis Korea. Using the sensitivity of stock returns as a measure of the exposure, it is shown that Korean commercial banks and merchant banking corporations had been significantly exposed to both interest rate and exchange rate risks, and that the subsequent profitability of commercial banks was significantly associated with the degree of pre-crisis exposure. The evidence suggests that, along with the negative exposure of banking institutions, the sharp depreciation of the Korean won and high interest rates at the end of 1997 further deteriorated the banking sector's capital adequacy worsening the financial crisis. The Korean case highlights the importance of upgrading financial supervision and risk management practices as a precondition for successful financial liberalization.
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Volume (Year): 36 (2004)
Issue (Month): 13 ()
Pages: 1409-1419
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There are total 15 letters in Intuitivenesses, Starting with I and ending with S.
Total 349 words created by multiple letters combination of Intuitivenesses in English Dictionary.
Intuitivenesses is a scrabble word? Yes (18 Points)
Intuitivenesses has worth 18 Scrabble points. Each letter point as below.
Words that starting with Intuitivenesses
Words that containing Intuitivenesses
Words that ending with Intuitivenesses

subset: commoncrawl


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Trump's Team and Cabinet: Are Things Really Running Smoothly in the Oval Office?
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It has only been approximately fifty days since current president Donald Trump took office, and it is clear that Americans have something to say about it. Are things actually happening at the White House? That question is more complex than it seems; for right now the country is divided in the worst way possible, and President Trump does not appear to be doing anything to bring his citizens closer together. The day after Trump took office, marches were arranged to protest the happenings in the country and specifically targeted improving women's rights. The biggest marches took place in Washington D.C. and in New York City. In New York City, an estimated 470,000 people marched and stood up for what they believed in. Although Americans are making their voices heard, it is up for debate whether or not the President is actually listening.
Over the past month, Donald Trump has secured many candidates for spots in his cabinet. He appointed Steven Mnuchin as Secretary of Treasury, Rex Tillerson as Secretary of State, James Mattis as Secretary of Defense as well as many other nominees. One of the more controversial picks was the Secretary of Education, Betsy DeVos. She supports charter schools and school vouchers, which some of liberals and some conservatives to do approve of. In addition to this, it is reported that she does not have much political experience. It is not just DeVos's qualifications that are up for debate. General James Mattis, the Secretary of Defense, was fired by former President Barack Obama. He may have had good reason to do so considering some of the comments Mattis has made in the past. The fact that he claims he does not "lose any sleep at night over the potential for failure. I cannot even spell the word," brings up some concern as to whether or not he is an expert in what he does. Trump did work to secure his cabinet, but there is still controversy over whether the President has actually made any progress so far.
Since January 21st, Trump has signed several bills; however, not much has gone through. He created a temporary immigration ban which inconvenienced many people in travel at the time. He claimed that it was not discriminating against anyone, even though it was a territory ban. This ban had many minorities and immigrants worried for their future. Ultimately, civil rights lawyers fought the ban and it did not last very long after that. This was an eye opening experience for America, for it is now clear that Trump may actually act upon the things he advertised in his campaign.
Overall, it is safe to say that the country has very different beliefs at the moment. Some think that President Trump is doing a great job, while others disagree. He has made some controversial cabinet picks as well as debatable decisions in the past fifty days, so it is no surprise that Americans are reacting. The women's marches are a perfect example of Americans opening up about their beliefs. It is important that unhappy citizens express their opinions in unfair situations and stand up for what they believe in.


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A weekend of exploration at the Walpole Unitarian Church
WALPOLE — Join members and friends of the Walpole Unitarian Church for three days of spiritual exploration and contemplation led by Rev. Kitsy Winthrop, Feb. 17 to 19. Topics range from climate change, transitions, race relations, and there is time scheduled at all events for thoughtful discussion.
The weekend will start with a movie on Friday, continue with topical discussions on Saturday, and culminate with the service. "The Valentine Phantom Strikes Again," Sunday, at 10 a.m. at the church, locate on the corner of Main and Union streets.
The monthly Friday evening film "Symphony of the Soil," will be shown at 7 p.m., followed by discussion led by Rev. Winthrop. Light refreshments will be served. "Filmed on four continents, featuring esteemed scientists and working farmers and ranchers, Symphony of the Soil is an intriguing presentation that highlights possibilities of healthy soil creating healthy plants creating healthy humans living on a healthy planet." You can view the trailer for the movie here: http://www.symphonyofthesoil.com.
On Saturday from 10 a.m. to noon at Hastings, join us for a discussion, "Where do we go from here?" that will provide a safe place to express our feelings with others about the current times in which we are living. "Can we balance awareness without drowning in it," Winthrop asks. "How do we get through these times in the most effective way?"
Bring along a bag lunch if you would like to stay a bit longer to continue the discussion. Coffee will be provided.
The weekend winds down with the Valentine holiday sermon. Refreshments and lively conversation follow.
Come join us for any or all events. Our welcoming congregation embraces spiritual diversity, compassion, social justice and love for each other and the web of life.
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VFW Post 7507 proudly announces the opening of a Veterans Community Resource Center within the confines of its new Post Home at 9624 N Monterey Drive. The first series of classes is to begin on Wednesday nights begins today, October 26th at 6 p.m. at the Post Home.
With help from a grant funded by the Arizona Department of Veterans' Services made available through the Arizona Veterans' Donations Fund, the Post has acquired computers and peripheral equipment to allow it to hold classes for active duty members and honorably discharged veterans. Topics will include basic computer skills, career skills, job hunting techniques (possibly including skype or other video interview techniques); advanced computer skills such as using Word, Excel, PowerPoint and other computer applications/programs; and use of Social Media such as Facebook, Twitter and YouTube. Additionally, classes and discussion of VA (Department of Veterans Affairs) benefits and health classes might be included in future programs.
The first class will be basic computer and e-mail skills intended for those with limited computer knowledge. It will include security issues and informational warnings on SPAM. Classes are open to all honorably discharged veterans without regard to membership in the VFW. Future topics will be based on student needs and desires. The schedule will be posted on the Post's website at http://vfwpost7507.org and the Post's Facebook page. Registration is not required for this class.
November classes will be held on Wednesdays November, 2nd, 9th, 16th, and 30th (no classes on November 23rd – day before Thanksgiving) at the Post Home from 5 p.m. to 6 p.m.
October Classes:
Time: 5:00 to 6:00 PM
October 26th, 2016 at VFW –
November Classes:
Time: 5:00 to 6:00 PM
November 2nd, 2016 at VFW –
November 9th, 2016 at VFW –
November 16th, 2016 at VFW –
November 30th, 2016 at VFW –
December Classes:
Time: 5:00 to 6:00 PM
December 7th, 2016 at VFW –
December 14th, 2016 at VFW –
If you are interested in signing up for classes, please complete the registration form below with the dates that you have in mind. Thank you.


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Anne of Green Gables, My Daughter & Me, by Lorilee Craker. An enjoyable memoir about adoption, family, and faith. I wrote a full review here (with a giveaway that ends tomorrow!)
Simply Tuesday, by Emily Freeman. I've enjoyed reading Emily's blog for awhile now, and I preordered Simply Tuesday, knowing I would love it. I did! It was an encouraging, restful read. And, bonus, I got to meet Emily at her book release party!
My Year With Eleanor, by Noelle Hancock. I'd had this on my wishlist for awhile and grabbed it when it went on sale for $2. After losing her job, Noelle Hancock is inspired by an Eleanor Roosevelt quote to do one scary thing every day. In the book, she writes about the major scary things, such as trapeze school and skydiving!
Sacred Marriage, by Gary Thomas. I liked this when we read it for pre-marriage counseling, and I like it now! Read my full review here.
Three Wishes, by Liane Moriarty. Just when I was needing some new fiction, I came across Liane Moriarty! Three Wishes was an easy, quick, fun read about triplet sisters turning thirty. I'm looking forward to grabbing another book of hers.
Grace for the Good Girl, by Emily Freeman. I'd had this on my reading list for awhile but was motivated to get it read when I found out I was going to meet Emily! I think I read this too quickly to fully appreciate it. It's definitely worth a read for all the "good girls" out there.
Breathing Room, by Leana Tankersley. I put this book on my wishlist after I heard Leana on a podcast. I flew through the book, and it didn't really sit well with me—I think because her story took me right back to my recent struggle with depression. That said, I think it is a worthwhile read for anyone dealing with depression or wanting a little "breathing room" in life.
This post contains affiliate links.


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Forging character
IT'S JANUARY 4, Ten Thousand Islands near Everglades City. With the temperature dropping below 32 degrees Fahrenheit and even the high tide too low to float their stranded canoes off the vast muck flats that surround them, Rachael Meuser and nine other college students are outward bound. The "crew," as they call it, is guided, educated, observed and even followed by instructors Russ Taylor and Josh Harris.
This is the water-woven western flank of the Everglades, the key-studded catchall of the immense River of Grass, a place unlike any other on the planet. But its lessons are similar to those dictated by other topographies where Outward Bound also "cuts the puppet strings," as instructor Keith Robinson says.
Lesson one: You have to live with your mistakes. In this case and after a nearly catastrophic attempt to cross open water when they were almost blown out to sea, that means they're going to walk out — although "walk" does not accurately describe the effort required to push loaded canoes through knee-to-thigh-high muck in twilight and then darkness for hundreds of yards, while wet, in freezing temperatures and wind.
A topographical map shows that the channel through mangroves between two open bodies of water is not contiguous. But satellite imagery suggests it is — that the watery path could save hours in the cold. Unfortunately, the satellite imagery is wrong, along with the crew that decides to trust it. It doesn't take into account tides, their varying strengths or the seasons. A foot of water will float a canoe; an inch even at high tide won't, whether it appears on a satellite image or not.
"On an expedition of any length there is always the epic day. Ours would prove to be the fourth day of 2012," recalls the lead instructor, Mr. Taylor, a 20-year veteran of wilderness schools from the mountains of India and Asia to the Gulf of Mexico.
An international photographer who provided the photos for this story (see Florida Weekly's column on page A2 about him), his broad experience did not make the "epic day" any less memorable for him, he acknowledges.
"Sounds of 'ONE, TWO, THREE, YYYHHHAAA!' could be heard resounding through the evening, as students worked in tandem, using paddles as poles to move along in the muck."
The expression "outward bound," a nearly perfect spike of two English words that drives hard to the heart of the matter, is "a nautical term for a ship's departure from the certainties of the harbor," according to the official history of the outdoor adventure school so named (www.outwardbound.org).
For any student at Outward Bound schools, certainty inevitably vanishes, along with electronics, pretension and comfort. In the U.S., it happens from Washington and Oregon, to Colorado, to Minnesota and Maine, and from Alabama and North Carolina to the Ten Thousand Islands of the Everglades.
"When students can say, 'I loved every minute of it as soon as it was over,' that's a good experience," says Mr. Robinson, a veteran Outward Bound instructor not only in the Ten Thousand Islands, but in western North Carolina and the Chilean mountains of Patagonia.
Like most instructors, he is also extraordinarily experienced outside of the school — a world-class rock climber and mountaineer who takes on formidable challenges on his own, between Outward Bound courses.
Speaking both for Outward Bound students and himself, he adds, "If I'm not out of my comfort zone, it's not good enough. But we don't take students outside the realm of safety."
Not usually. One (and surprisingly, only one) of Rachael Meuser's crew who have flown in from William Jewell College in Missouri is about to get hurt, because she compounded the crew's mistakes by making one of her own: She failed to reserve dry clothes protected by a sealed "dry bag," in an effort to stay warm.
"So we get in the canoes finally, and people are like, 'God, I'm so cold,'" recalls Ms. Meuser. "And then she says, 'Guys, what do you do if you have all your clothes on, already?' And she ends up getting frostbite."
No one recognizes it at the time, however, and all of them are in for a good cathartic exercise in nature-induced suffering, courtesy of Sunshine State wilderness.
"When you're not in it, it's hard to picture what it's really like," explains Ms. Meuser. "But once you're out there and doing that, you have no other option. Your mindset changes, and you do what you have to do to survive."
That's why students of any age go to Outward Bound, she says. Because finding out what you have to do, and how you treat others when you're doing it,
At Outward Bound, courses are tailored to the young and older — to middle- or high-school students with disciplinary problems. To precocious college students. To teachers, to CEOs, to professionals in need of a retuning. Even to combat veterans of the wars in Iraq and Afghanistan, who come, like the others, to suspend and immerse themselves in wilderness.
For the veterans, expeditions are free — and that even includes airfare to the Outward Bound school of their choice, from the mountains to the sea. The gift comes courtesy of mostly anonymous donors, some who give hundreds of thousands of dollars to provide the opportunity, says Matt Roskey, the veterans' program coordinator based in North Carolina.
"Some of them have PTSD or other problems, some don't, and they hear about the programs through friends or online at (veteran help sites)," he notes.
"Although we don't claim the courses are therapy per se, they are tremendously therapeutic. People can separate themselves from the cacophony of smart phones and e-mail and the Internet and movies and malls, and everything blasting at you on a daily basis — they can get away from that with other people who understand how they think, and be one with nature."
Any combat veteran who wishes to attend an Outward Bound course will be able to do so, health allowing, he adds. The money is there for it, thanks to donors.
For all these people, from young teenagers to the 70-something elders embarking on a sea-kayaking adventure, for example, the natural world becomes not just beautiful, but raw and immediate.
For them, nature insists on stepping out of the chamber of commerce postcard to reveal something much rougher, much more difficult to live with, no more sentimental than an icy wind but even more glorious than they may have realized. It assaults all the senses all the time, offering a creation worthy of reverence, they say.
"It's unreal how therapeutic that is," admits Al Smith, an Army veteran of the ground war in Afghanistan and a professional nurse who did the Everglades Outward Bound course last year.
"The vets have been through some tough times, and we may be able to adjust and cope with the physical difficulties a little faster — it's uncomfortable, and no one likes to be uncomfortable — but just in a small period of time you have to learn how to work with these other people. It's another kind of thing. You learn to test yourself, you learn something outside of the scope of things you think you can accomplish."
History and environment
Founded in 1941 in Scotland by a German Jew named Kurt Hahn and Sir Lawrence Holt, a British shipping magnate, Outward Bound started as a survival course that taught self-awareness, some technical skills, and confidence. It was aimed at giving young British sailors the tenacity to survive at sea long enough to be rescued if their ships were sunk beneath them, which was happening with depressing regularity in the North Sea and the Atlantic at the time.
Older sailors, as the story goes, could often find a way to last a few hours or perhaps through the night after their ships had been torpedoed. Younger sailors were giving up. Outward Bound aimed to change that. And it also had another goal — the goal of pure insight. That hasn't changed.
"There is more to us than we know," Kurt Hahn famously said. "If we can be made to see it, perhaps for the rest of our lives we will be unwilling to settle for less."
Led by an American named Josh Miner who had taught at Hahn's Scottish school, the program spread beginning in the early 1960s, first to the Rocky Mountains near Marble, Colorado, and then elsewhere in the United States.
It's not a survival school, although students do learn in part how to survive in challenging environments, says Trish Haitz, the program director of the Ten Thousand Islands course. It operates from an old hunting and fishing camp on a Calusa shell mound with as many as 30 staff and eight student crews in the field, from November through April.
"There are pretty clear safety guidelines," she says. "We provide an emotionally and physically safe place where these people can ask questions of the world around them they wouldn't normally ask."
And they can ask them best, perhaps, when they're least comfortable.
"When I first came to the Everglades (several years ago), I thought, 'Is this going to be too easy? Is it even going to be challenging?' I was used to being in the Andes," recalls Keith Robinson.
"Then I got out there. There are bugs. It's cold at night. It's hot and humid and sweaty in the day. You have to learn how to manage your equipment. If you leave your dry bag open and your equipment gets wet, you're in trouble."
There was more than that for him, too.
"Then there's the beauty of the Everglades. There's no better way for students to learn about the big picture, about the physical processes of the universe. They also have to learn about tides on the first or second day, or they'll be sitting in a mud flat and they'll have to drag their canoes for six or seven hours. The Everglades offers so many challenges."
What an Everglades course entails
The challenges come in the four-day course for ninth graders, in the seven or 14-day courses, or in longer courses, some of them for students embarking on careers as outdoor instructors — those can run a couple of months or more across several schools.
"A primary goal of this school has always been to introduce (school-age) students from southern Florida to their own backyard," says Trish Haitz.
"We don't do it in the summer because it's hurricane season and it's too dad-gumbed hot" — nobody needs a hurricane or heat stroke.
"But there are a lot of mosquitos, and in the field we have bug nets, and we cover with clothing in the morning and evening, during the mosquito time. You learn to be intentional about how you travel. You learn to adapt. You set your camps on the windward side of the island, so you get a breeze blowing on you."
Camp, however, is not usually on the sandy beaches that front many of the islands, but on the canoes.
Students carry long boards in each canoe, which they employ at rest.
"You tie all of your canoes together (four or five abreast)," explains Rachael Meuser. "Then you get everything out of your canoe and into one of them. You lay back on the canoe, and you pull all these boards across, to form a floor. The stuff you don't need goes under the boards, and the stuff you need goes on top."
On such floating, anchored structures, students and instructors together cook, sleep and converse — analyzing themselves, their decisions and the world.
"The first day we only paddled five to seven miles, and it exhausted us," recalls Ms. Meuser.
"And the first night (sleeping on the boards atop the canoes) seemed sooooo long."
But the privacy was so short.
Lesson number two: we live in bodies whose processes must be accepted and tolerated without embarrassment or apology, by boys and girls, men and women.
"To go to the bathroom, we either peed off the side, or we had a bucket called a groover," Ms. Meuser says. "That was to go number two. There wasn't any other option. Everything went in the groover, and you carried it everywhere, the whole trip."
Outward Bound schools never leave any trash behind, or few other signs of their passage, including the remains of fires or poop.
Each course offers a solid, basic instruction in navigation with charts and maps. Although instructors carry satellite phones, they don't employ GPS technology.
Each student also shares in a "final expedition." Together they cover a significant distance on their own, without instructor aid, by navigating and adapting to circumstances.
And each experiences a student "solo," ranging from part of a day to three days and nights.
On solo, students are left alone, if necessary with a sleeping bag, matches, a net, a tarp and a paddle, to use as a pole if they erect a shelter.
"That's memorable," says veteran Al Smith. "It's a solitude thing they make you do, you sit by yourself. At first I thought, 'This is kind of stupid.' But after doing it, after thinking and writing down stuff that was on my mind, I realized it was pretty unique."
End of the epic
Pretty unique — in fact downright scary — was how Rachel Meuser and her crew felt about both their epic days and nights (on this journey there were two).
The first came after dark in a shallow bay, as the students paddled steadily onward under stars. Already, they'd been able to touch manatees that came right up to the canoes and watch dolphins breech next to them — large and potentially intimidating creatures for the uninitiated, even by daylight.
But that was nothing compared to what happened next. Somehow, the paddles striking the water — perhaps it was the bioluminescence — attracted schools of mullet. They began jumping not only at the paddles, but into the canoes. One even leaped into Ms. Meuser's shirt.
Their reaction in turn excited a feeding frenzy of sharks, never identified by Mr. Taylor of the students. They attacked the fish without regard for the canoes, bumping into each boat.
"They'd hit the bottom and cause the canoe to rock — it was really nerve-racking," admits Ms. Meuser. "We thought our canoes would flip and we'd end up in the water."
But that didn't happen. Instead, it got cold, and the crew, embarked on its final expedition, found itself mired in the muck of a place called Charley Creek. That occurred after the earlier effort to avoid being blown out to sea by paddling furiously for several hours, just to keep themselves in place until the wind died down.
Exhausted and about 20 hours after all that began, they finally reached a place where they could tie off their canoes, then eat and sleep.
"We had saved this macaroni and cheese. It had a lot of calories and we needed them, and we felt we deserved it," remembers Ms. Meuser. "We were so excited about that meal."
But the cooks mistook the powdered cornbread for powdered cheese, and poured it into the macaroni.
Lesson three: Everybody succeeds or fails together. Everybody eats or starves together, too.
"It was horrible," she concludes in a peal of laughter — but edible, memorable, and even funny, too.
Like life. Like Outward Bound. ¦


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Performed on Saxaphone and Flute by Shyamraj and contains the hits Poltody Vetam, Undra Mojhea Mama, Tambde Rozad and more...
Remixed by Ajinq this album contains hits like Juliana, Pisso, Poltody Vetam, Bandra Festa, Marialinha and more...
Orlando de Noronha's Nostalgia contains 15 classic instrumentals hits featuring
Orlando de Noronha on Violin, Mandolin & Portuguese Guitar
Hits of Ulhas Buyao Remixed contains the hits Chan'neache Ratim, Colva Yeo and Hare Rama Hare Krishna
Nostalgic Goan Tunes #3
Nostalgic Goan Tunes #1 contains evergreen Konkani tunes performed by Shyamraj on Saxaphone and flute.
1.Jingle Bells
2.We Wish You A Merry Christmas
3.Rudolf The Red Nosed Reindeer
Disc One:
1.strange day
2.valley of love
1.Outside the box
3.A love unknown
© 2010 Rock and Raaga. All rights reserved.


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We unveiled our AW17 collection last Sunday at London Fashion Week Men's. Taking inspiration from Ellsworth Kelly's deceptive, ground breaking and humorous ghost army, the collection aims to conceal, confuse and reveal in a playful innovative experiment of deconstruction and reconstruction. The Christopher Ræburn REMADE, REDUCED, RECYCLED ethos has been further emphasized through the use of bomb disposal uniforms, blankets and camouflage jackets; each piece lovingly crafted in our East London Remade studio and underpinned with authentic detailing and considered thinking.
Backstage photography by Amy Platt
Collaboration still being a key component of our approach to design, we're proud to introduce a new collaboration with Eastpak. The three-piece capsule collection of bags features remade camouflage and fluorescent detailing Remade in Europe to the highest standard and strictly limited to 100 pieces per sytle.
Keeping things local, we're also excited to introduce of new collaboraton with East London denim maker Blackhorse Lane Atelier. Part of our Reduced initiative, we've teamed up to create a line of of high quality organic denim jeans, individually numbered with Remade pocket detailing. Finally, our ongoing collaboration with Clarks continues in the form of high top boots with utilitarian detailing, interpreting advanced sustainability with style. The Avery dennison RBIS collaboration continues to deliver high quality recycled woven labelling and branding solutions visible throughout the collection.
Special thanks to the British Fashion Council, Ben Grimes (casting), Dominic Harwood (sound), Blonstein (production), Fudge Professional (hair), AOFM (make-up), Exposure (PR), Régis Tosetti & Simon Palmieri (art direction), FALKE (socks). Contributors: Eastpak, Blackhorse Lane Atelier, Clarks, Avery Dennison RBIS.
More information to come soon on Christopher Ræburn.


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song pairing Lucky by Jason Mraz/Colbie Caillat
17 nutty friends will get a batch of Liz's lucky pecans this season. It is a coveted family recipe, and these treats do not disappoint. I baked multiple cookie sheets, over an entire day. Stirring every 15 minutes. It is a true labor of love. We are so fortunate for the people in our lives and I think we have discovered a route straight to their hearts.


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Brokerages Expect Independent Bank Group, Inc (IBTX) Will Announce Quarterly Sales of $83.45 Million
Brokerages expect Independent Bank Group, Inc (NASDAQ:IBTX) to announce sales of $83.45 million for the current fiscal quarter, Zacks Investment Research reports. Two analysts have provided estimates for Independent Bank Group's earnings, with the lowest sales estimate coming in at $83.00 million and the highest estimate coming in at $83.90 million. Independent Bank Group posted sales of $50.67 million in the same quarter last year, which would indicate a positive year over year growth rate of 64.7%. The company is expected to issue its next quarterly earnings report on Monday, October 23rd.
According to Zacks, analysts expect that Independent Bank Group will report full-year sales of $83.45 million for the current fiscal year, with estimates ranging from $299.50 million to $301.10 million. For the next fiscal year, analysts forecast that the firm will report sales of $354.90 million per share, with estimates ranging from $351.30 million to $358.50 million. Zacks' sales averages are a mean average based on a survey of sell-side analysts that cover Independent Bank Group.
Independent Bank Group (NASDAQ:IBTX) last announced its earnings results on Monday, July 24th. The bank reported $0.82 EPS for the quarter, meeting analysts' consensus estimates of $0.82. Independent Bank Group had a return on equity of 8.43% and a net margin of 23.52%. The company had revenue of $80.50 million during the quarter, compared to analysts' expectations of $81.31 million. During the same period last year, the business posted $0.74 EPS. Independent Bank Group's revenue for the quarter was up 58.4% on a year-over-year basis.
Several equities research analysts have commented on IBTX shares. Zacks Investment Research lowered Independent Bank Group from a "hold" rating to a "sell" rating in a research note on Thursday, June 29th. Stephens reiterated a "buy" rating on shares of Independent Bank Group in a research note on Monday, April 24th. ValuEngine upgraded Independent Bank Group from a "hold" rating to a "buy" rating in a research note on Friday, June 2nd. BidaskClub lowered Independent Bank Group from a "hold" rating to a "sell" rating in a research note on Saturday, June 24th. Finally, Sandler O'Neill upgraded Independent Bank Group from a "hold" rating to a "buy" rating and set a $70.00 target price for the company in a research note on Monday, June 26th. Two investment analysts have rated the stock with a sell rating and five have given a buy rating to the stock. Independent Bank Group presently has a consensus rating of "Hold" and an average price target of $69.60.
In other news, Director John Webb Jennings III sold 3,000 shares of the stock in a transaction dated Monday, August 7th. The stock was sold at an average price of $61.78, for a total value of $185,340.00. Following the completion of the sale, the director now owns 38,350 shares in the company, valued at $2,369,263. The transaction was disclosed in a legal filing with the SEC, which is available through this link. 7.70% of the stock is currently owned by company insiders.
Large investors have recently bought and sold shares of the stock. BNP Paribas Arbitrage SA raised its stake in Independent Bank Group by 2,892.1% in the second quarter. BNP Paribas Arbitrage SA now owns 1,885 shares of the bank's stock worth $112,000 after buying an additional 1,822 shares during the period. Acrospire Investment Management LLC raised its stake in Independent Bank Group by 108.5% in the first quarter. Acrospire Investment Management LLC now owns 2,498 shares of the bank's stock worth $161,000 after buying an additional 1,300 shares during the period. Public Employees Retirement System of Ohio raised its stake in Independent Bank Group by 16.2% in the first quarter. Public Employees Retirement System of Ohio now owns 2,790 shares of the bank's stock worth $179,000 after buying an additional 389 shares during the period. Karp Capital Management Corp bought a new stake in Independent Bank Group during the first quarter worth about $202,000. Finally, Airain ltd bought a new stake in Independent Bank Group during the second quarter worth about $256,000. Institutional investors and hedge funds own 41.45% of the company's stock.
Independent Bank Group (NASDAQ IBTX) opened at 61.35 on Wednesday. Independent Bank Group has a one year low of $41.92 and a one year high of $66.85. The company's 50-day moving average price is $59.13 and its 200-day moving average price is $60.98. The stock has a market capitalization of $1.70 billion, a PE ratio of 20.49 and a beta of 1.26.
The business also recently announced a quarterly dividend, which will be paid on Thursday, August 17th. Stockholders of record on Monday, August 7th will be paid a $0.10 dividend. The ex-dividend date is Thursday, August 3rd. This represents a $0.40 dividend on an annualized basis and a dividend yield of 0.65%. Independent Bank Group's dividend payout ratio (DPR) is currently 13.16%.
ILLEGAL ACTIVITY WARNING: This news story was originally published by American Banking News and is owned by of American Banking News. If you are accessing this news story on another website, it was copied illegally and republished in violation of US and international copyright and trademark legislation. The correct version of this news story can be viewed at https://www.americanbankingnews.com/2017/08/09/brokerages-expect-independent-bank-group-inc-ibtx-will-announce-quarterly-sales-of-83-45-million.html.
About Independent Bank Group
Independent Bank Group, Inc is a bank holding company. Through the Company's subsidiary, Independent Bank (the Bank), the Company provides a range of commercial banking products and services tailored to meet the needs of businesses, professionals and individuals. As of December 31, 2016, the Company operated 41 banking offices in the Dallas/North Texas area, the Austin/Central Texas area, and the Houston metropolitan area.
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text:
Hey there, time traveller!
This article was published 3/4/2014 (1236 days ago), so information in it may no longer be current.
You may have seen my story on provincial enrolment and the significant ongoing increase in home schooling a few days ago, and thirsted for more information.
Don't you always?
You can read that story here.
Meanwhile, I'd dug through the annual provincial enrolment report, and pulled out all sorts of oodles of nifty stats.
Alas, space was a consideration.
Despair not, for here you can see which forms of education grew or dropped in students, which divisions gained the most students and which lost the most; you'll learn that the biggest schools tended to remain the biggest, but most dropped in enrolment — what had seemed an inexorable growth to 2,000 students for Sisler and Maples is no longer an immediate-future bet.
And there are the small city schools, some of which would have been closed by now were it not for the province's 2008 moratorium on closing schools.
As Jackie Gleason said back in my childhood, And away we go....
Students in each type of school available in Manitoba in 2013-2014 (gain or loss of students, percentage gains or losses over 2012-2013)
All forms of education 199,532 (plus 303, plus 0.2 per cent)
Public schools 181,457 (minus 277, minus 0.2 per cent)
Funded independent schools 13,926 (plus 32, plus 0.2 per cent)
Non-funded independent schools 1,334 (plus 132, plus 11 per cent)
Home schooling 2,815 (plus 416, plus 17.3 per cent)
Divisions gaining students over 2012-2013
Seine River 233
Frontier 151
Brandon 126
Seven Oaks 118
Division Scolaire Franco-Manitobaine 107
Divisions losing students over 2012-2013
River East Transcona 255
Winnipeg 194
Lord Selkirk 136
Red River Valley 61
Kelsey, Sunrise 57
Largest schools in Manitoba (gain or loss over 2012-2013)
Sisler 1,870 (-14)
Maples 1,680 (-4)
Garden City 1,397 (-7)
Steinbach Regional 1,379 (-15)
Kelvin 1,336 (-22)
Kildonan East 1,301 (+17)
Tec Voc 1,297 (+53)
Sturgeon Heights 1,262 (-64)
Glenlawn 1,224 (+8)
Helen Betty Osborne 1,210 (+46)
Lord Selkirk 1,208 (-50)
Vincent Massey (Wpg) 1,205 (-42)
Grant Park 1,181 (-25)
Crocus Plains 1,174 (-43)
Daniel MacIntyre 1,169 (-31)
Dakota 1129 (-51)
Fort Richmond 1,076 (+22)
Stanley Knowles 1,061 (+45)
Portage 1,055 (-33)
Miles Macdonell 1,039 (-115)
St. John's 1,016 (-50)
Smallest schools in Winnipeg (gain or loss over 2012-2013)
Chapman 73 (+1)
Sherwood 94 (-12)
Westgrove 101 (-28)
Dr. D. W. Penner 106 (-7)
Fort Rouge 107 (-32)
Lord Wolseley 124 (-3)
Parc la Salle 125 (+4)
Tuxedo Park 131 (+8)
Collicutt 131 (zero)
Provencher 132 (-19)
Ralph Maybank 134 (+8)
Polson 137 (+4)
Marion 140 (+7)
Queenston 141 (-3)
Ness 143 (-28)
Glenelm 143 (-8)
Glenwood 145 (-22)
Source: compiled by The Free Press from provincial enrolment report data. Full report available here.
A few selected highlights from the enrolment report:
- Reynolds Elementary School in Prawda is the smallest public school not on a Hutterite colony or not in a remote northern community, with seven students.
- Archwood, La Barriere Crossing, and Governor Semple schools — all recently among the city's smallest — have grown substantially in the last two or three years.
- Garden Valley Collegiate in Winkler disappeared from the charts with the opening of Northlands Parkway Collegiate, the first time in recent memory that a community has gone from one high school to two.
- Nursery to Grade 8 Stanley Knowles School is Manitoba's largest school with elementary grades.
- Ness Middle School is the only small-enrolment school in the city that is not elementary.
- Linden Christian School remains the province's largest independent school at 879 students, gaining three students over the year before.
- Greenland School in Ste. Anne is the largest non-funded independent school at 85 kids.
- Nine individual grades have 400 or more students, including all three grades from 10 to 12 at Steinbach Regional Secondary School.
- Four schools have Grade 12 cohorts of 500-plus: Maples 590, Sisler 561, Winnipeg Adult Education Centre 549, Daniel McIntyre 515.


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(31) 070-3885235
When Henry VIII died in 1547, he left three highly intelligent children to succeed him in turn, to be followed, if their lines failed, by the descendants of his sister, Mary Tudor.*Children of England* begins at the point where Alison Wier's bestseller, *The Six Wives of Henry VIII* came to an end, and covers the period until Elizabeth succeeded to the throne in 1558. Her interest is in the characters and relationships with Henry's four heirs.Making use of a huge variety of contemporary sources, she brings to life one of the most extraordinary periods of English history, when each of Henry's heirs was potentially the tool of powerful political or religious figures, and when the realm was seething with intrigue and turbulent change.
|Book Format
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Top marks fusion giving us two free glasses of wine when we ordered a bottle. Gave us the two glasses free and the bottle. Great service. Cheers
1 - 10 of 306 reviews
Top marks fusion giving us two free glasses of wine when we ordered a bottle. Gave us the two glasses free and the bottle. Great service. Cheers
The most constant restaurant when it comes to food quality. Always a perfect meal. Definitely a place to take your partner to for a nice night out
Both in entrees, mains and desert. Also had locust! Raised in otago. Cheese was from the region. Steak was really good. Cosy atmsophere. Warm.
This visit was via an anniversary gift given to us by my sister. We were enroute so opted for a lunch experience. And the food was superb. Lovely choices on the menu. We had a mulled wine to start & then followed that with hubby...More
New to the ar a, was taken to tea by new managers to this fantastic venue. Food was fantastic, uniquely but pleasantly laid out and a two minute walk to the accommodation I was staying at, great food, great place and a great view for...More
This is a really great place to go out for dinner or even an awesome lunch. Service is always good and the food will never let you down.
Fusion never disappoints. Had a wonderful meal with friends, the food was amazing, everyone said how good it was and couldn't fault the service or atmosphere. This is fine dining but at realistic prices.
We often go here for lunch or an evening meal. We always get excellent service. Always in time for our one hour lunch break. My friend has a tomato intolerance and they are always onto it. The meals are a nice size and always interesting,...More
In Timaru for a weekend we were staying at the nearby Panorama Motel so Fusion was a good choice. They have a good range of brunch usuals plus specials. We enjoyed our choice of groper with fries & ham hash with poached egg. Their desserts...More
Came for Sunday brunch. All three meals we ordered were "less than average" the corn fritter was chewy and bland, the chick pea meal was probably the best of the bunch in terms of flavour (and that was mediocre) but the tortilla was burnt and...More


text: Pedro, since the bugtrace is incompatible with the version of Thunderbird I don't seem able to help unless you have some other ideas? >thunderbird-dbgsym: >Depends: thunderbird (=126.96.36.199+nobinonly-0ubuntu1) but >18.104.22.168+nobinonly-0ubuntu0.7.10.0 is to be installed Regards Richard Pedro Villavicencio wrote: > Thanks for your bug report. Please try to obtain a backtrace > http://wiki.ubuntu.com/DebuggingProgramCrash and attach the file to the > bug report. This will greatly help us in tracking down your problem. > > ** Attachment removed: "CoreDump.gz" > > http://launchpadlibrarian.net/11096577/CoreDump.gz > > ** Changed in: thunderbird (Ubuntu) > Importance: Undecided => Medium > Status: New => Incomplete > > ** Visibility changed to: Public > -- addtion to Bug 156998 https://bugs.launchpad.net/bugs/179366 You received this bug notification because you are a member of Mozilla Bugs, which is subscribed to thunderbird in ubuntu.


text: Training Delivery Page ContentFind out about training packages and how they are endorsed and regularly reviewed to meet industry, student and community needs. Learn more about competency based training and completion and your responsibilities for assessment of competency, consistent with the provisions of the Australian Quality Training Framework. Find guidelines and templates to create your training plan Read More There is a range of resources to help you develop your plan and learn about monitoring requirements. Get the answers to your questions on training activity reporting Read More A range of FAQs to give you all the information you need on how to report correctly.


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1 Watching our watch-dogs: current models for accountability and independence Jacquie Stepanoff Manager Policy and Coordination 2013 ASPG Conference ASPG Conference 2013
Why are we here? What will this presentation cover? 2 Recently…some disquiet around adequacy of checks and balances for independent officials with powers of scrutiny. Possibly… a response to the growth of the independent review sector? This presentation Wont comment on validity of the growth of integrity bodies – they are created and empowered by Parliaments. Wont address specific concerns about particular exercises of authority Will try to offer some context around this sense of unease by surveying checks and balances in place for one sample group: Auditors General Will offer perspectives on how Parliaments and researchers might assess whether these are adequate 2013 ASPG Conference
Growth in size and scope of independent review bodies 3 Growth in size and number…an audit explosion? UK study: 22% increase in numbers/100% in spending on bodies with powers to review government activity (Hood et al, 2008) Australia: rapid increase of commissioners with powers of scrutiny and review (e.g. FOI, Privacy, Childrens, Gambling, Public Sector etc). Growth in scope and powers New powerful bodies with quasi judicial powers to prosecute and make binding findings (e.g. corruption commissions, inspectorates) Increased powers for existing bodies (e.g. A-Gs can compel appearances by citizens, Ombudsmen can search 3rd party premises) Growth in independence Reforms by Parliaments to integrity and audit legislation across 2000s 2013 ASPG Conference
PART 1 – What Checks and Balances are in Place? 4 To help inform this conversation on oversight of independent offices, we decided to get a better understanding of what kinds of checks and balances were (already) in place. So… as a case study - we surveyed legislation of Auditors-General (A-Gs) in Australia, selected Canadian and UK jurisdictions We hoped this quick survey might then trigger thinking on Common approaches, gaps/overlaps AND How Parliaments might assess whether these checks and balances are Adequate The right ones 2013 ASPG Conference
Surveying the checks and balances: What did we find? 5 Our review found substantial layers of accountability in place under legislation for most Auditors-General in Australia, NZ, Canada, UK. We saw 4 distinct kinds of accountability mechanisms in place 1.Public Sector – controls that apply to A-Gs the same as they do to all public sector entities, including judicial + administrative review 2.Parliamentary – checks and balances emanating from a direct relationship with the Parliament. 3.Professional – controls on performance, conduct and ethics arising from the application of professional auditing standards and quality assurance requirements 4.Performance – formal reviews and oversight of A-Gs performance 2013 ASPG Conference
1. Public Sector (a) : General governance 6 Most public sector accountability mechanisms apply to most A-Gs too INTOSAI: sometimes translate indirectly to controls by Govts over A-Gs Mechanisms that frequently applied to A-Gs include Appropriation – most A-Gs still receive budget through Executive. Estimates hearings/inquiries can interrogate outputs. Financial Management – mandatory compliance and policy frameworks, procurement restrictions, annual/quarterly reporting requirements People Management – conditions for employees who are public servants, grievances, codes of conduct Public administration – can be subject to reviews by govt departments Risk Management and IA requirements – audit committees, risk frameworks and attestations 2013 ASPG Conference
1. Public Sector (a): examples 7 Appropriation -Treasurer has control over budget allocation for audit office in NSW, NT, SA & TAS. Gordon Robertson, (http://www.acag.org.au/Independence-of-Auditors-General-in-ANZ-2013.pdf) Financial Management – The Tasmanian Audit Office is subject to the Financial Management and Audit Act 1990. (TAS) Financial Management and Audit Act 1990 Schedule 1 People Management - Public Sector Act 2009 (SA) governs employee matters at SA Auditor-Generals Department. Public Administration - Public Administration Act (Vic) allows special reviews of VAGO by a government department/Minister. Risk Management - Statutory requirement for Audit and Risk Management Committee (3 external independent representatives who advise the Auditor-General). (QLD ) Annual Plan 2012 2013 ASPG Conference
1. Public Sector (b): Mutual accountability 8 A key accountability mechanism for the public sector is scrutiny by integrity bodies, including administrative and judicial review. National Integrity Systems Assessment (2005) found Australias integrity bodies should be – and often were - mutually accountable. Our review supports this, finding offices and actions of A-Gs often subject to Cross-review * by other core integrity bodies: e.g. Corruption Commissioner, Human Rights Commissioner Administrative review: e.g. Ombudsman Judicial review. i.e. courts * Hon Wayne Martin QC notes some limitations in W.A. 2013 ASPG Conference
1. Public Sector (b): Mutual accountability examples 9 Cross review of core integrity bodies Canada NAO: Languages Commissioner, Public Service Commission (staffing and classification practices), Privacy Commissioner (Privacy Act), Information Commissioner (Access to Information Act). (Canada) Office of the Auditor-General of Canada, Scrutinising the Office of the Auditor General, 2011 Australian NAO – Australian Public Service Commission, Merit Protection Commissioner, Australian Crime Commission. National Integrity Systems Report 2004, p. 25 Administrative review – Victorian Ombudsman may investigate actions of Office (VIC) Ombudsman Act 1973, Schedule 2 Judicial review – A-Gs are subject to judicial review in all Australian jurisdictions, which can examine the legality of the agencies actions. 2013 ASPG Conference
2. Parliamentary 10 Beyond public sector – A-Gs also have direct accountabilities to Parliament (in accordance with traditional role as officer of Parliament) Common mechanisms include: Whole of Parliament Appointment, termination and suspension Appropriations – recommendations or directly Receive annual plan and hold to account via annual report Audit findings reported openly in Parliament Parliamentary Committees Input to audit program + censure should input not be taken up Review of audit reports Noteworthy development: specific oversight Committees 2013 ASPG Conference
2. Parliamentary – Whole of Parliament examples 11 Appointment, termination and suspension – Auditor-General may be suspended & removed from office by resolution of both houses of Parliament. (SA) Public Finance and Audit Act 1987 Appropriations – Auditor-General submit an estimate of funds required in that fiscal year to Select Standing Committee of Parliament. This is reviewed and the transmitted to Minister of Finance. (Alberta) Auditor-General Act 2000 s12 Receive annual plan and hold to account via annual report – Auditor-General present annual report to House of Representatives and must include account of the implementation of the annual plan. (NZ) Public Audit Act 2001 s37 2013 ASPG Conference
2. Parliamentary – Parliamentary Committees examples 12 Input to audit program – Annual plan, budget, and specifications for performance audit developed in consultation with Parliamentary committee before it can proceed (VIC) S. 7A and s.5 (2), Audit Ac 1994 Review of audit reports – Public Accounts committee selects parts of Auditor-Generals report on which to hold public meetings for Minister and senior staff. The committee submits a report to the legislature containing comments and recommendations on the Auditor-Generals Report. (Ontario) Office of The Auditor-General of Ontario, (http://www.auditor.on.ca/en/about_what_en.htm#public) Specific oversight Committees – Public Accounts Committee reviews reports. Joint Audit Committee (established June 2013) undertakes statutory reviews of OAG. (WA) 2013 ASPG Conference
3. Professional 13 Note: these accountability mechanisms are possibly unique to A-Gs International auditing standards have force of law in Australia, Canada and UK. In some cases A-Gs can waive, but must disclose publicly. Standards are highly proscriptive and set the bar above that required for most public sector functions. They include binding dicta on: Evidentiary requirements for audit conclusions Natural justice for person/entities subject to public comment Ethics Complaints procedures Holding to account for compliance with standards External - usually via external (non financial) audits of A-Gs Voluntary - peer and internal reviews on cyclic basis, external reported 2013 ASPG Conference
3. Professional - examples 14 Force of law - S.13 of the Audit Act 1994 requires that standards made by AUSAB must be applied to audits (VIC) Auditing Standard ASA 500 A1 Ethics - Auditors must have regard to the applicable requirements of APES 110 Code of Ethics for Professional Accountants. Auditing Standard ASA102 A1 External review of compliance - PAEC performance audit of the VAGO report includes in its terms of reference inquiry into whether the office complies with Australian Auditing Standards. (VIC) Internal controls – Australasian Council of Auditors-General have agreed a detailed quality framework for use by external reviewers of A-G offices to ensure compliance with standards. 2013 ASPG Conference
4. Performance 15 Performance based accountability for A-Gs is often addressed via generic public sector accountability mechanisms (see 1.) But – on top of that, it is now common for Parliaments to require performance audits or a performance-based statutory reviews Common elements of these accountability mechanisms include Whole-office scope (not just areas of risk) Public reports 3-5 year intervals Strict requirements around independence of auditors undertaking them Of note, in some jurisdictions: Audits in accordance with standards (inc independence requirements) New: standing auditor, potential for greater continuous disclosure 2013 ASPG Conference
4. Performance audits/reviews - examples 16 Cyclic – Statutory reviews every 3-5 years (QLD, WA, VIC) Broad Scope – >40 criteria in 2013 performance audit of VAGO (VIC) Public report - Review made public and contains 44 recommendation for areas of improvement. (QLD) Independence - Auditor undertaking financial and performance audits of Audit Office must be independent. (ACT) Auditor-General Act 1996 s27 Same powers as A-G - An independent performance or financial auditor is provided with the powers provided to Auditor-General (VIC). Audit Act 1994 S17(6)(a)-(h) and S19(5A)(a)-(h) New: standing auditor - An independent auditor is appointed for a term of 3- 5 years. Audits financial statements & conducts performance audit of the ANAO at any time. (Commonwealth) Auditor-General Act 1997 s41-45. 2013 ASPG Conference
PART 2: Towards an assessment of accountability 17 A survey like this shows how much A-Gs are accountable…but not how well To answer the how well question of whether the checks and balances are the right ones – a more qualitative approach is needed… Review of recent literature, conference papers and legislation suggests some clear emerging evaluation approaches A.Independence perspective – Independence is key value of A-G, so should limit hard accountability to (whole of) Parliament, not Executive. B.Risk perspective – Independent review bodies can pose risks to community and oversight/accountability mechanisms should be designed accordingly C.Regulatory effectiveness – Accountability of any public sector body should encourage and allow effective performance of functions 2013 ASPG Conference
Concluding thoughts 18 Trend to create and empower independent review bodies (including integrity bodies) Interest from some commentators in reassessing the balance between independence and accountability/ adequacy of checks and balances Review of Auditor-General legislation in Aus, Canada, UK show significant layers of accountability, features include: binding/hard accountability largely confined to Parliaments additional soft accountability mechanisms on top of those applying to other public sector bodies Qualitative approaches to evaluating the adequacy of these checks and balances should consider independence, risk and regulatory perspectives 2013 ASPG Conference
Further reading 19 Robertson, G. Independence of Auditors General: A Survey of Australia and New Zealand Legislation, http://www.acag.org.au/Independence- of-Auditors-General-in-ANZ-2013.pdf, 2013http://www.acag.org.au/Independence- of-Auditors-General-in-ANZ-2013.pdf Martin, W. Forewarned and Four-Armed – Administrative Law Values and the Fourth Arm of Government, Whitmore Lecture, 2013 Field, C. The Fourth Branch of Government, AIAL Forum, 2012 Wood, J. Ensuring Integrity Agencies have Integrity, AIAL Forum 2007 NISA, Chaos or Coherence? Strengths, Opportunities and Challenges for Australias Integrity Systems, http://archive.transparency.org/policy- research/nis/nis_reports_by_country, 2005http://archive.transparency.org/policy- research/nis/nis_reports_by_country Spigelman, J. The Integrity Branch of Government, AIAL Forum, 2004 2013 ASPG Conference
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Dog Walking Group
Every Wednesday Morning
June 7 through September 27 at 8:00am
Free to the public
Do you love to bring your dog to explore the trails around Castle in the Clouds? Join like- minded dog owners and get out for some fresh air and fun! Dogs and their people are invited to gather in the field by Shannon Pond at 8:00am for an invigorating romp or leisurely stroll with a volunteer guide.
It is recommended that you bring bug spray, water, and a trail map. Please don't forget to clean up after your dogs so everyone can continue to enjoy the wonderful trails. Everyone is welcome. Hikes or walks will be of varying lengths. You may have your pet on or off leash as long as they are comfortable around other dogs and people.
About the Program Organizer
Pamela is excited to offer this group for dog owners or those who would like to get out for some exercise and gorgeous scenery. She looks forward to meeting all of you and your wonderful pets on Wellness Wednesday Mornings.
Directions & Parking
Use Ossipee Park Road for this program. Parking in the hiker parking lot, near Shannon Pond, or in the main Castle in the Clouds parking lot and walk to our meeting location at the Pond.
The program is organized by Pamela Ambrose and her best friend, Zeke, and it is generously sponsored by Huggins Hospital, as part of our Wellness Wednesday Series.


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Check the Video!
i Would do it Cuz it Freaking Amazing!
Check the Video!
i Would do it Cuz it Freaking Amazing!
I'd try it
I don't think I'd throw up from that
That's the spirit (y)
Thanks for the MHO
I can already imagine me being one of those four guys, just bumping into everyone else, ruining the choreography xD
No probleme, Hahahhahahah i'm glad that you are just watching it XD
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That looks awesome.
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Dinning or coffee table by ticino design ... Idea : Also gives u the possibility to create a table setting decor underneath the glass to fully use the table top !!!
5 organizing tips
5 organizing tips
Cracked log lamp: 27 DIY Reclaimed Wood Projects for your Homes Outdoor
rustic furniture driftwood candle holder, crafts, home decor http://www.hometalk.com/5228501/rustic-furniture-driftwood-candle-holder?se=wkly-20141019&utm_medium=email&utm_source=wkly&date=2014-10-19&tk=b3h3ym
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Sofa Chair Arm Rest TV Tray Table Stand with Side Storage Slot for Tablet Magazine
Driftwood: Raw Beauty Waiting To Be Discovered | http://art.ekstrax.com/2014/12/driftwood-raw-beauty-waiting-discovered.html
12 Ways To Use Branches In Your Home Decor | DIY Cozy Home
I want those shelves, but out of driftwood instead of aspen


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Germany's Merkel in mourning for father
German Chancellor Angela Merkel was in mourning Saturday after the death of her father, cancelling a planned campaign rally appearance on the eve of a key regional election, her office said.
Merkel's office said that the chancellor's father, Horst Kasner, had died at the age of 85.
A protestant pastor, Kasner had emigrated with his family from West to East Germany in 1954, a few weeks after the birth of his daughter Angela, ensuring that she was brought up under the communist regime.
He had retired several years ago.
Merkel had been due to attend a rally in Mecklenburg-Western Pomerania ahead of the election on Sunday in the northeastern state.


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IT was simply a deal about basketball and business, Don Nelson said. The Dallas Mavericks made a trade with the San Antonio Spurs on draft day last June. The Mavericks received the Spurs' first-round pick, the 29th and last of the first round, 19-year-old Leon Smith out of Martin Luther King High School in Chicago. There had been a conditional arrangement to have the 6-foot-11-inch Smith play one season in a developmental league.
''It just seemed like a logical thing for everyone,'' Nelson said wearily the other day from his hotel room in Charlotte.
He had just been interrupted from an afternoon nap, recovering from a wee-hours arrival and the latest news media attack he was enduring. No stranger to condemnation for his hard-line dealings with New Age stars, the onetime reputed ''players' coach'' now had to explain why Smith was in a Dallas psychiatric hospital after the police said he had ingested approximately 250 aspirin tablets in what may have been a suicide attempt.
How could this have happened, and could Nelson and the Mavericks have prevented it? Those were the questions demanding more than knee-jerk responses.
One conclusion being jumped to was how this was a classic example -- the more common antithesis of the happily-ever-after Kevin Garnett story -- of what occurs when a high school player demonstrates his vertical skills by leaping right to the National Basketball Association. Another conclusion was that the Mavericks, once they had involved themselves with a fragile young man who was raised in various group homes as a ward of the state, were responsible for his emotional well-being.Continue reading the main story
And while there is merit in each of those arguments, they are not necessarily solutions. Convincing a Leon Smith that he shouldn't turn pro is infinitely harder than telling him not to. Once he has, who can say that Nelson's proposal wasn't the best way for Smith to pursue long-term success, while forgoing immediate gratification at the end of the Dallas bench?
David Stern, the N.B.A. commissioner, has correctly argued that the quickening pace of teenagers' entry into his league is a business problem, not a moral issue. Tennis players, Stern argues, have been quitting college and even high school for years. The difference is that Lindsay Davenport and Justin Gimelstob don't have to fit into a team's competitive fabric.
The N.B.A. is no social service agency, but Stern's commitment to creating a healthier working environment for his youngest players was never as clear as his logic. All these years, his league has reaped the benefits of a free collegiate farm system. A significant training league -- the kind Isiah Thomas was talking about after his recent purchase of the Continental Basketball Association -- would cost plenty. To Nelson's credit, he at least was willing to pay Smith a season's salary based on the three-year, $1.4 million contract set by the guidelines of the N.B.A.'s rookie scale.
With his own standing shaky at the controls of a wobbly team, Nelson said he had arranged through a collective bargaining ''loophole'' for Smith to play for St. Louis of the new International Basketball League under his longtime friend, Bernie Bickerstaff. ''It was about experience, not a money thing,'' Nelson said. ''What these kids need is to play. In what league, it doesn't matter.''
Smith agreed to the plan, his former agent, Dan Fegan, said yesterday from his office in Los Angeles. ''But then he backed off and I told him, 'You made a deal,' '' Fegan said. Soon Smith had a new agent, Matt Muehlebach, who said no deal. A stalemate ensued, until this week, when the Dallas police, responding to a call, found a groggy Smith, his face smeared with green paint, mumbling about being an Indian who was ''fighting Columbus.''
Associates of Smith's say the team should have anticipated how a young man who was separated from his siblings at age 5, who had become one more statistic in the urban bureaucracy, might have reacted to becoming another basketball transaction. Nelson said he was merely trying to do ''what everyone in the league knows we have to start doing for these kids.''
In this unfortunate case, the coach is neither saint nor sinner. His recent history of bizarre player feuds would suggest he lacked the sensitivity for a case so extreme. That said, if Smith is the opposite of Garnett, then between them is a more typical kid who would benefit from what Nelson had in mind for Smith. That is the more pragmatic path from high school to pro. Leon Smith was apparently just the wrong player to walk it alone.Continue reading the main story


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Shihori Escape is an RPG game made by Charon.
Plot Edit
Kitarou wakes up in his house, dazed and confused about his current situation. He wanders around his house, collecting scraps of paper and remembering a girl named Shihori. As he progresses, he slowly realizes that there's something sinister going on.
Endings Edit
Bad End: The Shape of Your Love Edit
If Kitarou tries to leave the house, Shihori will appear behind him with a knife to his throat. She claims that everything she had done was all for him. She decides that since he tried to leave her twice (breaking up with her and trying to leave the house), she should kill him and herself shortly after.
True End: The Shape of My Love Edit
If Kitarou stays in the house and goes back to bed, he will pull back the sheets to reveal Shihori's corpse. He will remember back when she tried to break up with him. Enraged, he strangled her to death and had been keeping her corpse ever since.
Episode End: Misao Edit
After receiving both endings and inputting the bonus scenario password, a new ending will play to reveal that Shihori was talking to Misao about her feelings for Kitarou. After hearing her worries, Misao advises her that if the relationship ever goes bad, then the easiest solution would be to kill Kitarou.


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Very busy place but worth the wait. One of the better places to eat in Sumter. The wife loves their blackened chicken breast butterflie and myself the chop steak with onions are always good.
1 - 10 of 104 reviews
Very busy place but worth the wait. One of the better places to eat in Sumter. The wife loves their blackened chicken breast butterflie and myself the chop steak with onions are always good.
Good service. Our waitress was very friendly. Delicious the salad of the house, as well as the bread, which we repeat twice. Good atmosphere
My husband and I met with family here on Friday night. They were attentive and accommodating. They allowed me to ask for a special mix for the salad and made sure we were taken care of. The only thing that was annoying was the fly...More
I've eaten at this restaurant several times since I came to town a few months ago and it's been consistently pleasant each time I've gone there. I've enjoyed each meal, it's been hot and tasty, the staff is friendly, and I absolutely love the fresh...More
We have eaten at Logans in other cities. This was our first time here in Sumter. Our steaks were very dry and over cooked. We will try again and see how it goes. Servers were very very nice and I guess that was why we...More
My mom was in town visiting and after picking her up from Charleston and driving back to Sumter, we were ready for dinner. She is on a diet and I thought Logan's would have some items that would work for her. Plus sometimes you just...More
I was in the mood for some ribs. So I decided to check Logans out and see how good of a job they would do. So glad I stopped in. The ribs were tender, not too much sauce and flavorful. I got a baked potato...More
Our waiter took the liberty of writing "Butterfly" on all our steaks without asking. MAYBE I can understand my Medium-Well order, but the other guests at the table ordered Medium, and their steaks were Butterfly as well. Be fore-warned.
Stopped for dinner after a long day of traveling. Place was crowded so we ate at the bar. The bar tender took very good care of us. My wife and I both had the small filet, salad and sweet potato fries. The steaks were some...More
Great steakhouse. Very friendly employee. The ribeye is amazing. Try the chilly. And I like the bar. We will come back!


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Prices, specials, features and availability subject to change.
Contact for details
Contact for details
The Glen offers you a country setting with city convenience. Our inviting residential community features modern interiors with conveniences such as full kitchens, dining room, and balconies or patios. Property amenities include a renovated clubhouse with WiFi. Beautiful landscaping and an ideal location near the Glenn Highway, the Alaska Regional Hospital, only minutes from downtown Anchorage, makes The Glen a great place to call home!
Our lease terms are: 3 months, 4 months, 5 months, 6 months, 7 months, 8 months, 9 months, 10 months, 11 months, 12 months, 13 months, 14 months, 15 months, 16 months, 17 months, 18 months (Please note that lease terms may vary, are subject to change without notice, and are based on availability. Inquire with property staff for complete details).
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Tag Archives: paternity
South Korea: new government announces proposals to increase support for work-life balance
South Korea's new President Moon Jae-In has announced the Government's support for greater work-life balance for Korean employees, including proposals to curb Korea's notoriously long work days, broaden parental leave and ease the burden of childcare costs. Following President Moon … Continue reading
Singapore: Compliance checks- changes to entitlements effective 1 July 2017
Changes to shared parental leave and adoption leave entitlements as well an increase in the re-employment age ceiling will take effect from 1 July 2017. This is a good juncture for companies to review their employment policies to ensure they … Continue reading
UK: April 2017 changes – apprenticeship levy, tribunal compensation limits, national minimum wage, statutory benefits and immigration skills charge
From 6 April 2017 UK employers with an annual pay bill of or over £3 million will be required to pay an apprenticeship levy at a rate equivalent to 0.5% of their payroll costs, subject to an offset allowance of … Continue reading
UK: New publications
GEO new guide for employers on Recruitment and Retention of Transgender Staff. Guidance from the Committee on Standards in Public Life on how public authorities and companies offering outsourced public services can maintain ethical standards, including recommendations to implement a … Continue reading
Australia: Fair Work Amendment Act 2015 – Summary of Changes
The Fair Work Amendment Act 2015 (Cth) (FW Amendment Act) came into force on 27 November 2015 and amends the Fair Work Act 2009 (Cth) (FW Act). This article summarises the key changes to the FW Act made by the … Continue reading
Saudi Arabia: Key changes to labour law
Saudi Arabia's Council of Ministers has approved amendments to the Kingdom's labour laws, but has delayed the implementation of new Saudisation requirements.
Hong Kong: Paternity leave laws in force from 27 February 2015
The Hong Kong Legislative Council has finally introduced laws to entitle private sector male employees to paternity leave. From 27 February 2015, male employees will be entitled to take up to three days of paternity leave in recognition of the … Continue reading
UK: New resources
BIS has made available a new online calculator for maternity, paternity and shared parental leave. It has also updated its shared parental leave guidanceto include additional Q&A on early births and the interaction between shared parental leave and pay and … Continue reading
Filed under Jurisdiction: UK, Resources
Hong Kong: New rights for working fathers
The Employment (Amendment) Bill 2014, proposing to legislate paternity leave in Hong Kong, has been gazetted today, 28 February 2014. The Bill proposes that working fathers be entitled to three days paid statutory paternity leave mirroring the arrangements applicable to … Continue reading


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Saturday, April 22, 2017, Show hall opens at 7:30 am, first class at 8:30 am
Running Aces Casino & Racetrack – Atrium
15201 Zurich St.
Columbus, MN 55025
Food options onsite! Running Aces has a grill (for quick service) with many options and a restaurant (for more relaxed dining speeds).
Open $55 for all divisions
Late fee $60 if entered after April 7, 2017
Please send fees via PayPal – Friends & Family
Money Order
No other payment methods are accepted at this time sorry for the inconvenience.
PayPal to: email@example.com
Please fill out online entry form (Contact Page) along with sending fees.
Completion of the entry form will hold your place in the show fro TWO WEEKS to allow for payments to clear. Not receiving payment will cause you to lose your place in the show.
No payment is accepted day of the show.
Change of Plans? Need a Refund?
Refunds must be requested a minimum of 2 weeks before the show in order to allow time to fill your spot from the wait-list.
Sorry, no refunds after that time frame.
Deb Carlson – OF Trad/Cl
Micelle D. Belisle – OF Mini
Greg Stebnits – Resin
Sue Rowe – CM
Vicky Smith – Chinas
Collector – Mindy Young
TBA – Vintage CM


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If you are going to create an Android application using GeneXus, you need to have the Android-SDK component properly set according to GeneXus upgrade. At first, it might be a little hard to know which packages of the Android SDK have to be downloaded. For that reason, GeneXus provides the Android SDK installer which helps the developer to avoid the complexity of the installation process, and also provides an Update Android SDK tool option when already exists an installation on your machine.
This document is centered on explaining the minimum content required, suggestions, and tips if you want to install it manually.
Up to Upgrade 4, the user should open the Android SDK Manager and download the following components. As of Upgrade 5, due to the unavailability of this framework, it's recommendable to use the Update Android SDK tool option in GeneXus IDE.
For example, for GeneXus 15 Upgrade 3, the settings displayed in the Android SDK Manager UI tool should look as follows (It might differ from previous versions).
This step is only necessary if your computer has an Intel-based CPU.
Once you have finished downloading the requirements, you must install HAXM. Then, open the <Android_SDK_Installation_Directory>/Extras/Intel/Hardware_Acelerated_Execution_Manager directory, execute the intelhaxm-android.exe installer and follow its instructions.
With this configuration, you can run Android applications on your device (if it is plugged into your computer).
By default, the first time GeneXus runs an Android application it tries to create an Android Virtual Device (AVD) called "Genexus-APIX-x86" with the supported Android version, where X will be the number of the API version used (e.g. 24 for the Android 7.0).
The minimum version supported as of GeneXus 15 is the API 16 (Android 4.1). This ADV will be launched if HAXM requirement is not installed, VT-x is disabled or if Hyper-V is enabled.
Open the AVD Manager program located in the Android-SDK directory.
If for some reason you want to run your application in another Android Virtual Device, then you should download some extra content from the Android SDK. Once the necessary content is downloaded and installed you can follow the instructions in the Creating an Android Virtual Device document to create an Android Virtual Device.
If you want to run a particular Android version as a Virtual Device you must download its minimum features:
For instance, to run your application on an Android 5.1.1 (API 22) Virtual Device, you need to download, in addition to its SDK Plattform, an Android System Image for the API 22, as shown in the following images:
If you have doubts about what Android SDK version you have installed and/or what API levels it supports you may:
C:\<Android_SDK_Installation_Directory>\Tools\android.bat list target
C:\<Android_SDK_Installation_Directory>\"SDK manager"
As stated above, Android SDK requires at least 3GB of free space on your disk.
2 GB of RAM are required by default for compilation approx; this value can be changed in the Android specific properties.


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Watch What's Working: Carol Dweck Talks Growth Mindset
What about the kids that don't "get" school? What about the kid who doesn't see the point or the purpose of sitting in a desk and doing assignments that have never motivated her in the past? Or the kid who is always assigned tasks that perpetuate the notion that he is simply "not that smart?"
The good news is that these students can be reached by the right kind of mindset by adults at every school. There is a sweet spot in education, where educators provide the optimal environment, support and standards and students find the motivation and purpose to own their education and work hard for success. This is especially important for disengaged and disadvantaged students. These are the students who most need schools that will help them experience school differently and overcome doubts about their own abilities. They need schools, in other words, that encourage "the growth mindset."
Here's Carol Dweck, Stanford University's growth mindset guru and researcher, talking about how Envision Education offers students a "winning combination" of high expectations and effective support:
VIDEO (4:41): Performance Assessment. See the entire Deeper Learning video series at Teaching Channel.
Dweck describes research, done by her and by her Stanford colleagues, that highlights the factors making a difference for all youth, especially disadvantaged students. Schools can help these students succeed by promoting, by design and via daily instruction, messages that tell students:
- Your intelligence is something that can and will develop, with effort, good strategies, and support from this school
- You have a purpose. You are "doing school" so that you can contribute something to your family and to the world
- You belong here, in this school; this school is for you
- We, as your teachers, will set high standards for you, and we will give you what you need to succeed
When these messages are communicated well, educators can transform a student's experience of learning from disengaged to engaged and excited. Schools that respond to students' needs by giving them relevant and meaningful work and by developing strong, positive, and productive relationships with them will produce graduates with strong growth mindsets. Armed with the certainty that their own efforts can and will take them far, these students are poised to succeed, which isn't only good news for them and for their families: it's good news for our society as a whole.
Questions to Move Us Forward
- What is the most effective way to increase students' ownership of the work they do in your class and/or school?
- How do you help students gain a growth mindset who may believe that other kids are inherently smarter or more talented?
- How do we as adults in a school model (or not) a growth mindset for our students?
Please share your responses and your thoughts in the comments section below.
Comments (5) Sign in or register to comment Follow Subscribe to comments via RSS
Kids follow our lead....I think it is SO important for all adults involved in a child's life to remember. We need to model this for them. We don't always need to be "the expert". How great for them to be able to teach us or see us ask for help. I think kids need to see us struggle, learn from our journey and work through issues/obstacles.
I absolutely agree, Gwen. We need to demonstrate for kids that it is perfectly acceptable to try something new, make mistakes, and learn from them. I also think it is incredibly critical to place value on the mistakes that students make: to analyze those mistakes and see how we can learn from them. Just today I had my students not only solving a problem, but also formulating "wrong" answer choices as a way of thinking critically about the most common mistakes that we make with a particular type of math problem. The more we can stress to them that mistakes promote growth (that they are positive rather than negative) the better off things will be.
You said it perfectly Erin. We need to encourage our students to take risks, and help them understand that it is okay to fail. I find that many of my students are so afraid of failure that it holds them back from trying new things and taking on challenges. I try to teach my students perseverance by giving them challenging math problems, and allowing them to struggle until they find a solution. In my efforts to promote a growth mindset in my classroom, I like to display inspirational quotes on my walls, such as the following: "I can accept failure, everyone fails at something. But I can't accept not trying." - Michael Jordan
Rich discussion, absolutely true, we need to encourage our students to take risk and learn from their mistakes and give them a chance to challenge themselves trying to solve problems and take out the best of their potentials..
Yes. Watching a student change when given the answer to a challenge question was one of the most heart wrenching moments that taught me never to do that again. The class was shown a natural phenomenon and challenged to figure out what was taking place. One student stayed after and really pushed me for the answer and I gave in. The mystery was gone, the challenge was over, a huge let down was all that was left. The challenge is what students crave, not the answer.