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tag:blogger.com,1999:blog-3847775060570505785.comments2017-05-20T12:58:29.179-04:00Finance GuyFinance Guyhttp://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-7929810615798309912017-05-20T12:58:29.179-04:002017-05-20T12:58:29.179-04:00That appears to be excellent however i am still no...That appears to be excellent however i am still not too sure that I like it. At any rate will look far more into it and decide personally!
Car financing with bad credit
Sunny Khanhttps://email@example.com:blogger.com,1999:blog-3847775060570505785.post-71420703826516645332017-05-10T01:24:24.005-04:002017-05-10T01:24:24.005-04:00Informative post. Thanks for share it. Few highlig...Informative post. Thanks for share it. Few highlight about economy is really good. Online shopping has many benefits like Fewer expenses and Price comparisons and Shop for Designer Sunglasses
 has an amazing collection of sunglasses online.
Priya Desaihttps://email@example.com:blogger.com,1999:blog-3847775060570505785.post-23384763177028439852017-04-14T03:20:59.499-04:002017-04-14T03:20:59.499-04:00Thank you for sharing this.Good information about ...Thank you for sharing this.Good information about Food Administration. Want to eat delicious food then must visit Restaurant in Sukhumvit .yingboonlianghttps://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-42561676809172545272017-04-14T03:19:08.607-04:002017-04-14T03:19:08.607-04:00This comment has been removed by the author.yingboonlianghttps://email@example.com:blogger.com,1999:blog-3847775060570505785.post-75235044476726273932017-04-12T05:18:14.694-04:002017-04-12T05:18:14.694-04:00This comment has been removed by the author.yingboonlianghttps://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-46747005596452838482017-03-19T16:27:31.393-04:002017-03-19T16:27:31.393-04:00Thanks for sharing this useful info..tax services ...Thanks for sharing this useful info..tax services Houston
Kiara Miahttps://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-92191064508548562742016-10-28T16:48:15.032-04:002016-10-28T16:48:15.032-04:00profitable for "who"? really? it's f...profitable for "who"? really? it's for whom! ketaminushttps://email@example.com:blogger.com,1999:blog-3847775060570505785.post-52762751629957547212015-04-08T11:08:28.621-04:002015-04-08T11:08:28.621-04:00It's been a long time since this article was r...It's been a long time since this article was released but I just wanted to make something clear. CLOs are not my specialties but I think you should consider the illiquidity risk which is clearly different than the credit risk. We all know CLO's assets are far less liquid than any leveraged loan traded in the market...email@example.com:blogger.com,1999:blog-3847775060570505785.post-89264251351116623072013-10-31T07:04:09.973-04:002013-10-31T07:04:09.973-04:00First, thanks for the comment. Now, on to your poi...First, thanks for the comment. Now, on to your points.

Regarding Treasuries and credit risk:
(1) Of course I'm conflating interest rate risk and credit risk. So is Gorton. Read the excerpt above. He uses "value" three times, and he makes no attempt to qualify this as "value only as it relates to credit risk." Credit risk and rate risk both can affect the value of a security a lot ("mild fluctuations" based on rate volatility isn't always true; if credit risk is small, the effect of rate risk can be much larger and thus more significant for an investor, and what about high inflation environments?). Still, if you don't like my "rate risk" example, what if I construct a different hypothetical, involving say my obtaining secret information about coming changes that will affect liquidity premiums on TIPS, which allows me to turn a nice profit? (2) Here's the nub of the problem: You and I start the day with $1,000 cash. I find out, through a source at the Fed, about an operation to be announced later that day that will drive down rates and make a $1,000 10-year Treasury (which at that moment is trading at par) worth $1,030. You keep your cash. I buy the Treasury. At the end of the day I cash out for $1,030. So my "money" is worth more than your "money"? No. (For one, Treasuries are "near money," not "money.") What I've done is earn a trading profit using information "that is private" (only I know it, or at least, only I am free to trade on it, unlike my source) that has allowed me to "take advantage of the less informed." (See Gorton above) (3) Treasuries do have some credit risk. Maybe you remember this recent Bloomberg story from Oct. 15: "Rates on Treasury bills due in October soared and the U.S. attracted the least demand at weekly bill auctions since 2009 as Senate attempts to end the fiscal impasse were put on hold, increasing speculation of a default." So if I had "secret knowledge" that the Congress would not lift the debt ceiling before Oct. 15, why would that not allow me to profit in the market for Treasuries?

Look, you may be thinking: Yes, but generally it's going to be very hard to make money trading on secret information about Treasuries. True, but I think that just argues that, if you do want to use an "information sensitive" paradigm for understanding debt, the proper framing shouldn't be "sensitive" versus "insensitive", but rather a messier continuum. All traded debt is information sensitive to some degree, except for actual currency or FDIC-insured deposits.

What I think is very dangerous about Gorton is that he's constructed a theory that helps justify the opacity of AAA securitization tranches that are used like money. I think this is bad, very bad -- in terms of implications for a healthy market, for the propagation of risky regulatory arbitrage, for the growth of risky complexity, and so on. If you aren't familiar with games played with securitizations, you might want to look here for starters:
http://bit.ly/1dMi7SSFinance Guyhttps://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-19281706006162318972013-10-19T03:22:20.174-04:002013-10-19T03:22:20.174-04:00This is a couple of years after you wrote this, bu...This is a couple of years after you wrote this, but I came across your post while doing some research. I think you're conflating the difference between interest rate arbitrage and credit risk arbitrage. Under your example, knowing that the Fed is going to engage in a big QE would allow me to make money in trading, but this is based on interest rate fluctuations. No one is predicting a credit default. So you see mild fluctuations in the value of your "informationally insensitive debt" based on inflation/rate volatility, but you don't see huge volatility based on credit risk.

I agree that Gorton's explanation of his thesis is somewhat difficult to follow, but I think the best way to understand it is to simply (as Morgan Ricks, a law professor formerly from Treasury, does) replace the phrase "informationally insensitive debt" with "money". Treasuries are a form of money, deposits are a form of money, and in recent years, high grade corporate securities, AAA private-label MBS, and other similarly highly graded liabilities all served the function of money.

Money fluctuates in value, sure, but this is inflation-based fluctuation. It still trades at par. $1 is $1 is $1, even if that $1 may be worth slightly more or less than it was worth last week. What Gorton is describing in his theory of banking panics is a situation in which people start questioning whether their $1 in money (bank deposits in the old days, now AAA-rated collateral) is actually worth $1. Combine that with the inherent leverage and illiquidity of banking and you have the recipe for a panic, which is what he claims occurred in Fall email@example.com:blogger.com,1999:blog-3847775060570505785.post-48141141912474400922013-04-06T10:29:45.594-04:002013-04-06T10:29:45.594-04:00Your first point: If AAA spreads for CLOs are curr...Your first point: If AAA spreads for CLOs are currently 110-115, that would argue for less mis-rating now than there was when I originally wrote this post. Still, regular AAA debt is closer to 30, so the gap is still significant.

Your second point: This is a good one, and I will revise the post above to reflect the need to adjust for the call option. But the big question is: What is that option worth?

Measuring the value of embedded call options isn't my specialty. But it appears that such an option isn't all that valuable. Take this Wells Fargo note: CUSIP 94986RJD4. At the moment, it's effectively 6-year debt with a simple call option in 2 years. The option-adjusted spread suggests the option is worth 18.5 basis points. Or, if you prefer a longer-dated note: CUSIP EI7197557. The issuer is Bank of America, and it matures in 13 years, with a call in 3 years. The option-adjusted spread suggests that call is worth 39.9 basis points.

Of course those examples aren't CLO tranches, but regular debt. For CLOs though, the call seems to be worth even less. Babson Capital Management studied credit spreads of CLO bonds and found in the first quarter of 2007, they were 22 - 26 bps for the triple A tranche. So even if you assume the investor is assigning negligible credit risk (say 10 basis points, which is paltry) to the asset itself, that leaves only 12 to 16 bps for the call option. (Caveats: I'm not 100% certain Babson didn't already remove the option value from its spread numbers, though it appears unlikely. Second caveat: the value of a call will vary over time, of course, depending on volatility of interest rates, along with expectations of whether they'll fall or rise.)

So, relating this to the example above -- if you subtract somewhere from 12 to 40 basis points for the call option, you get a good 152 to 180 bps of mis-rating -- which is still a lot. But look, even if you ignore the "over-rating" argument I'm making above, the fact that structuring fees and other costs are shaving 7% off the revenue stream that the loan is kicking out is going to automatically suggest that there will have to be some mis-rating (through clever use of models, and misapplied theories of diversification, etc.) to make this investment palatable to buyers.Finance Guyhttps://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-11850335776603229972013-03-18T20:28:22.447-04:002013-03-18T20:28:22.447-04:00Never bothered to check the date this was publishe...Never bothered to check the date this was published, but point 2 firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-38126374633606917132013-03-18T20:27:11.846-04:002013-03-18T20:27:11.846-04:001: AAA spreads are much tighter than 150, currentl...1: AAA spreads are much tighter than 150, currently at 110-115.

2: AAA Government Notes (bonds) generally 10 year pieces of paper, that do not have call options. AAA CLO paper is being priced with a call option, b/c the AAA investor assumes their paper (debt) will be called by the deal earlier (through a refinance or another measure). This call option adds X basis points to the deal, which is why AAA debt trades rather high firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-86892040290047037092012-07-28T06:43:55.733-04:002012-07-28T06:43:55.733-04:00I think there's still a lot of confusion here ...I think there's still a lot of confusion here about the financial system. Americans have a vague sense something is wrong, especially with the recurring scandals (Libor being the latest). But the financial system has grown very complex, partly by design. So how do you understand a mezzanine CDO if you barely know the difference between a stock and a bond?Finance Guyhttps://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-17387335397046873752012-07-20T08:22:38.133-04:002012-07-20T08:22:38.133-04:00Dear finance guy, You gave a perfect explanation. ...Dear finance guy, You gave a perfect explanation. And you also have an excelent blog objective you have. I will follow your blog because I will start a similar effort for the average Joe of Romania (my home country).

From the feedback you got, do you think Main Street America is starting to better understand the financial system and how to protect themselves?

best thoughts,
LucianLucian Daniel Stanciuhttps://email@example.com:blogger.com,1999:blog-3847775060570505785.post-21381944952146487532012-07-04T06:38:27.931-04:002012-07-04T06:38:27.931-04:00Yes, I've heard that argument many times befor...Yes, I've heard that argument many times before. But it's not my point. Is your tinderbox house flame retardant because the fire trucks extinguish a blaze before it hits your front porch? Bernanke's unprecedented central bank activism saved a lot of assets that were probably heading for the crapper.

My larger point is that the ratings have to be wrong. You can't extract as many fees as the securitization machine does and have enough yield left over to properly compensate investors for the risks they are taking (assuming you believe in a reasonably efficient market). Leveraged loans in particular will be heavily exposed and highly cross-correlated in a sharp market downturn, giving them a decidedly non-AAA vulnerability.

But look: the proof is in the pudding. If the AAA CLOs are really AAA, they should trade close to Treasuries, reflecting their near-risklessness. But they don't. (See above.) And for the heck of it, I checked out a recent CLO; the AAA slice was being priced at 150 basis points over Libor, which is roughly comparable (after making a Libor-Treasury adjustment) to an A or A+ corporate credit, some five levels below AAA.

The market clearly doesn't see this stuff as triple A. Rather it's "triple A" (wink, wink).Finance Guyhttps://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-67579843699242115042012-06-25T17:36:10.497-04:002012-06-25T17:36:10.497-04:00So tell me, Finance Guy - how much credit losses h...So tell me, Finance Guy - how much credit losses have been substained to date on the senior-most, originally 'AAA' rated CLO bonds? Closer to zero than the train wreck that you are preaching, firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-19649711938690420772012-06-14T18:59:26.781-04:002012-06-14T18:59:26.781-04:00Mortgage brokers work with borrowers throughout th...Mortgage brokers work with borrowers throughout the entire loan process until the deal is closed. Overall, they're probably a lot more available than loan officers at retail banks, since they work with fewer borrowers on a more personal level. Vancouver mortgage brokerVancouver mortgage brokerhttp://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-57779259636802779762012-06-14T18:57:03.938-04:002012-06-14T18:57:03.938-04:00Finally i found this site in which they will offer...Finally i found this site in which they will offers for such a great topic like this. Vancouver Home mortgageVancouver Home mortgagehttp://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-12330981902203666492012-06-14T18:55:32.264-04:002012-06-14T18:55:32.264-04:00What is a mortgages brokers? This is one of the bi...What is a mortgages brokers? This is one of the big question for so many people out there. Mortgage Broker VancouverMortgage Broker Vancouverhttp://email@example.com:blogger.com,1999:blog-3847775060570505785.post-3222312772271164962012-06-11T18:52:57.577-04:002012-06-11T18:52:57.577-04:00Loved it. Perfectly simple and beautiful explanati...Loved it. Perfectly simple and beautiful explanation that Santa Claus doesn't exist.Dina Strangehttps://email@example.com:blogger.com,1999:blog-3847775060570505785.post-27293252109606755102012-06-11T18:50:56.988-04:002012-06-11T18:50:56.988-04:00Loved it. Perfectly simple and beautiful explanati...Loved it. Perfectly simple and beautiful explanation that Santa Claus doesn't exist.Dina Strangehttps://email@example.com:blogger.com,1999:blog-3847775060570505785.post-29274272325445089642012-02-12T06:28:40.397-05:002012-02-12T06:28:40.397-05:00Welcome, Sifma.Welcome, Sifma.Finance Guyhttps://firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-789409030692741832012-02-11T20:28:08.547-05:002012-02-11T20:28:08.547-05:00you are an idiotyou are an firstname.lastname@example.com:blogger.com,1999:blog-3847775060570505785.post-73649844501339597942012-01-24T21:46:39.422-05:002012-01-24T21:46:39.422-05:00Depends if ideologues are in political power, whic...Depends if ideologues are in political power, which seems today to be the norm. Then, they abhor cognitive dissonance which is a threat to their orthodoxy and their firstname.lastname@example.com


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YG to come out with another survival show this year
Article: [Exclusive] YG to unveil their version of 'Produce 101' in the second half of the year
Source: OSEN via Naver
1. [+14,920, -111] No more survivals… take care of the groups you already have..
2. [+10,833, -100] Just take care of Winner and iKON… why keep making new groups
3. [+9,006, -87] iKON hasn't made a position for themselves yet, why another survival program… sigh ㅠㅠㅠ
4. [+6,336, -248] Turning the dreams of kids into products.. sigh ㅠ
5. [+4,335, -79] What..
6. [+1,055, -16] Is Yang Hyun Suk addicted to new and shiny things? Take care of Winner and iKON properly, what is he thinking?
7. [+941, -20] Imagine if he had debuted Winner and iKON right after their survival show, their popularity would be even bigger. Instead, they had to suffer unnaturally long hiatuses, those poor groups.
8. [+901, -21] No really, take care of iKON and Winner first, please…
9. [+796, -12] Enough with this already, why is he so obsessed with survival shows
10. [+681, -6] I guess he spent all the money Big Bang made on signing on all those PDs. Why is he so obsessed with survival shows instead of taking care of Winner and iKON?
Article: [Official] YG reps, "Bang Yedam to star as a trainee in the survival show"
Source: OSEN via Naver
1. [+3,287, -24] Hul… another survival..?
2. [+1,870, -25] Another survival… must be so hard at a young age
3. [+1,763, -30] Just debut him and stop stressing the kid out
4. [+356, -5] This is ridiculous ㅋㅋㅋ he already showed his skills by winning second place on 'K-Pop Star' ㅋㅋㅋㅋㅋㅋ
5. [+251, -5] He joined the agency off of a survival show and now they're putting him in another survival show
Source: NB
YG to come out with another survival show this year

subset: commoncrawl


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About W. Diane Van Zwol - 2
An Earlier Autobiography (Revised)
Wilma Diane Van Zwol (nee Kukkee) was born in Thunder Bay, Ontario (Canada) on July 23,1945. She is the third oldest of the fourteen children born to Edwin Waldemar Kukkee and Wilma Dorothy Kukkee (nee Danberger).
Diane attended S. S. # 2 Paipoonge Public School. She also attended Selkirk Collegiate and Vocational Institute High School.
Diane graduated from St. Joseph's General Hospital School of Nursing as a Registered Nurse, in 1967. Since that time, she has worked as a registered nurse in many different areas of nursing, in southern Ontario and in Thunder Bay.
In 1982, Diane obtained a Counseling Certificate from Mohawk College, in Hamilton, Ontario.
In 1988, she received a Bachelor of Arts degree in Religious Studies, from McMaster University, in Hamilton, Ontario. She continued her education to graduate with an Honours degree, also in Religious Studies, in 1990.
In 1997, she completed a Master of Arts degree in Philosophy, at Brock University, in St. Catharines, Ontario.
Diane writes love poetry on a wide variety of topics.
She has had poetry published in a number of anthologies, by The International Society of Poets, The National Library of Poetry, Sparrowgrass Poetry Forum, Inc. and the Poetry Institute of Canada.
Her works have also appeared in the magazine, 'Home Grown Niagara'. Her poetry has been published on the www.poetry.com web site.
In 1995, Diane attended the International Society of Poets Conference, in Washington, DC. where she was inducted as a 'Distinguished Member' of the International Society of Poets. While in Washington, she also did a poetry reading. Diane sumitted a short piece of poetry, now entitled 'Love', to 'The World's Largest Poem For Peace.'
I'll put my hand in yours,
And if you don't let go,
We'll be together, forever.
A number of pieces of Diane's poetry have been published on cassette tape, by the International Society of Poets and the National Library of Poetry.
In 1996, she was elected into the International Society of Poets Hall of Fame. She has received a number of awards for her work including 'Editor's Choice' awards from the National Library of Poetry and the Poetry Institute of Canada.
In 1997, she began publishing poetry under the title of Love 2000 AD.
She was included in 'Who's Who in Canadian Grass Roots Poetry', a guide to Canadian poets, in the 1999-2000 edition.
Diane obtained certification as a Professional Web Site Designer and Developer in 2001. She started to publish web sites, poetry and custom poetry on the internet, in conjunction with artwork and photography, under the title 'LOVE 2001 AD'.
She also has a wide variety of other interests including photography, art, music, writing children's literature and cycling.
In the year 2006, Diane was invited to submit poetry to Noble House for publication. She was honored to become a 'Poetry Ambassador for the United States of America'. She continued to submit poetry for publication to the International Society of Poets. Poetry was requested for publication by Noble House, in the year 2007 and she was nominated as a 'Poetry Ambassador' for the second time.
Diane continues publishing poetry in anthologies and on the internet, as well nurturing and guiding other poets to do the same.


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LifeCycles cultivates community health by connecting people to the food they eat and the land it comes from. We support the region in growing, accessing, and eating local food in ways that foster diversity and enhance our urban environment.
Shae is an Ontario transplant living in Victoria on the unceded territories of the Lekwungen people. Shae means "from the fairy fort" in gaelic. She is of Irish and Delaware Native descent and grew up on the North Bruce Peninsula in Sauble Beach. In her free time Shae facilitates an art group at Our Place and works with the Victoria Sexual Assault Centre. She is a new comer to the food movement and is soaking up a lot of information while working at Lifecycles. She wasn't sure about GMOs at first, but now knows that they are EVIL. Shae is really happy to join the hardworking team at Lifecycles and looks forward to the rest of the summer season.
Jesse grew up near the confluence of the Fraser and Nechako Rivers, moving to Coast Salish territories over 10 years ago. Since then, she has been growing and learning on organic farms, as well as working on various social justice, food sovereignty and place-based conservation projects. As a farmer and seed saver committed to biocultural diversity and resilient, culturally-relevant food systems, she has been heavily involved in the preservation and promotion of ecological seed. Her work has included coordinating the Victoria Seed Library, working directly with regional seed farmers through the BC EcoSeed Co-op, the Bauta Initiative on Canadian Seed Security and FarmFolk CityFolk, as well as harvesting for a number of seed farms in the province. Mentored over the years by many dedicated and brilliant farmers, she has shared her knowledge through hosting numerous seed saving workshops aimed to support community skill-building for stronger local seed systems. For the past 3 seasons, Jesse has supported the development and success of LifeCycles' Farm Gleaning as project coordinator- a role that combines three of her favorite things: food justice, farm education, and spreadsheets.
Ali started her quest into the world of plants and food 4 years ago! While working and volunteering on different farms and homesteads around BC, she discovered a passion for growing and sharing the bounty of the harvest, milking goats, and listening to others' stories, and her own thoughts, while weeding very long rows. Ali is stoked to be part of the Lifecycles team this season. She enjoys working with people who like to eat!
Raised in the heart of the Rockies on Secwepemc and Ktunaxa territory, this area allowed Braydi to embrace the collectiveness of community and the passion for volunteering. Having volunteered over the years in areas of health, education, community, international, and cultural; Braydi is excited to be extending that experience into food systems in her role as Volunteer Engagement Support for the Lifecycles Fruit Tree Project. As a Cree Metis person, Braydi's connection to food has been fostered through cultural teachings and feels fortunate to continue this learning on the unceded territory of the Coast Salish Peoples. When not found working with food whether that be actually at work, kitchen or garden; Braydi can be found to be fully invested in her studies as she's currently finishing a dual international program for her MSc in Conservation and Land Management and Masters of Forestry.
Jemma was born and raised on the West Coast of BC, venturing into the world of food rescue and literacy three years ago after transferring to UVic. Often times you can find Jemma cooking and sharing free meals from rescued food with the Community Cabbage, wandering through nature or cuddling kittens. Jemma has two rabbits at home named Silver and Koda, who encourage her to eat more vegetables; she fosters kittens and cats through the Greater Victoria Animal Crusaders, and plans to rescue horses one day. Jemma is extremely excited to be continuing her passion for food rescue and literacy as Food Education Support for the summer at LifeCycles, and loves working with such a passionate group.
Isha is a rare bird, having been born and raised in Victoria. Her passion for urban food sources started as a child, picking camomile for tea in the school yard and gleefully gathering blackberries and fruit from backyards, parks, and roadsides in summer. The city can be it's own ecosystem which, given the right care and attention, can be as productive and integrated as any other. Isha's hope is that as more people become aware of issues of food security and create more integrated communities, the Garden City she grew up in will become the Farming City, ensuring that everyone has open access to fresh food and the land. Taking steps towards building this community, Isha has worked in Homeless Shelters and Outreach programs for the past seven years where she has brought her love of gardening with her. She started garden plots and taught food preservation skills in any program she could. Simultaneously, she began growing her own food in her backyard. Frustrated by lack of choices at grocery stores, and tired of having to make ethical decisions each time she went, Isha wanted to test her skills at urban farming and gleaning. By carefully planning one large bulk buy, growing food, preserving the harvest, and getting access to fruit by volunteering with the LifeCycles Fruit Tree project, Isha managed to not set foot in a grocery store for a whole year. This year, Isha has started to share the bounty of her harvest at market, selling produce she grows in the city at the Esquimalt Farmers Market. Isha is ecstatic to be part of the LifeCycles team this year. The program blends her love for social justice, community building, urban agriculture, and food. She is looking forward to getting to know all of the volunteers and homeowners stewarding the Urban Orchard and celebrating the bounty of the city together.
Mary Tooley loves nature, and has always appreciated the beauty of nature's gifts. Originally from Ontario, she has also spent many years in the colourful and vibrant Yukon where she and her husband Gerald ran their own business in the tourism industry. Mary and Gerald have lived in Victoria since 1997, and have 3 married sons and 4 grandchildren, living in Victoria and in Texas.
Mary holds a Bachelor of Commerce degree from Royal Roads University. Her professional life has been centred around business and financial management. Her past roles include Executive Director of the Yukon Chamber of Commerce, Commercial Banker for BMO and Business Consultant analyzing and reporting to businesses on opportunities for improvement. She is excited to have the opportunity to bring her knowledge and experience to LifeCycles as they navigate some planned growth and development.
Mary currently fills two key roles for LifeCycles: Administrator and Accountant.
Matt grew up searching for salamanders under rotten logs in the woods of Shawnigan Lake. He has been with LifeCycles since 2007 and has been integral in helping shape our seed, school, orchard and community food programming. He has deep passion for natural systems restoration in heavily urbanized environments, a passion inspired by a long history of listening to children in dozens of schoolyard gardens in Victoria and Vancouver. Matthew is a seed saver, community food commons creator, bread maker and lover of plants. He has a Masters degree in Environmental Education and Communication and a Bachelors degree in Political Science and Environmental Studies.
Raised on the gentle shores of Victoria, Coast Salish Territories, Jenny holds a Masters degree in Political Science, has been a community organizer for 10 years and when she's not knee deep in fruit she practices as a Medical Herbalist, with a special passion for reviving traditional healing practices and food-ways.
Jenny's love for the Fruit Tree Project is driven not only by a desire to connect people to available food and save a valuable resource, but also by a passion for connecting people to their neighbours and like-minded strangers, in a spirit of collaboration, cooperation and taking care of one another! She believes that the solutions to the biggest problems we face today can be found at the community level-- through an ethic of mutual aid, and by looking to where we have come from in order to plot our path forward. Jenny also loves fruit, especially golden plums and tries to find her way up fruit trees as often as time allows.
Tim's early life was spent on an array of isolated farms scattered across the Northern Interior. He discovered a profound curiosity about how natural, social and cultural systems interrelate to provide our 'food.' Tim spent his post-farm life exploring Europe and North Africa and studying the "history of systems of thought" in the Political Science department at UVIC.
In recent years, Tim has focused his Political, Urban, Anthropological, Historical, and Philosophical questions through the problem of sustainable 'food systems.' Tim has been closely involved in the creation and expansion of "Ranfurly Farm," the intergenerational enterprise started by his family in 2009. He also became interested in how such practices as wild fermenting and urban foraging, aquatic gardening and aquaponic systems, food foresting and mushroom cultivation, guerrilla gardening and public propagation can close gaps in accessibility and enjoyment.
More hedonistic and experimental tendencies has inspired Tim to co-found a collective of chefs, bartenders, theatre practitioners, graphic and visual artists, farmers, and foragers to stage a series of culinary-oriented popup events that experiments with news ways for food and culture to produce community.
Angela's work as Community Food Coordinator sees her building programming in three main areas: The Welland Legacy Orchard, Food Literacy, and Urban Agriculture. Her journey to urban farming and community food programming began at Brock University in Niagara Falls where she earned a degree in Environmental Policy and Sociology. It was here that Angela concentrated her studies in food literacy and ecological farming. What she craved upon graduation was a chance to get some practical experience in organic food production, which led her on a three year woofing journey through Canada, the United Kingdom, Costa Rica and Panama.
In 2005, Angela was accepted into the Linnaea Ecological Gardening Program on Cortes Island. It was at Linnaea that Angela became attuned to the complexities of our globalized food system and issues surrounding food justice. Gaining the core skills to become a farmer, Angela arrived in Victoria after graduation ready to seriously invest some time into urban agriculture.
In 2006, Angela took over the lease of The Mason Street City Farm where she and her farm partner offer food skills and farming education to residents on Southern Vancouver Island. She is dedicated to educating people about growing food in the Pacific Northwest and cultivating a just community food system. In her "downtime" she is a mother and flamenco dancer.
Julia is thrilled to join Lifecycles to assist in stewarding the Welland Legacy Park & Community Orchard. A recent transplant to Victoria, she joined us in 2015 after three years being mentored in the art of ecosystem care and living on the land at the Bullocks Permaculture Homestead and Nursery on Orcas Island. Working with fruit trees all through the season is a source of joy for her, and having the opportunity to support the mission of the Welland Legacy Park & Community Orchard is a real dream come true. Previously, she has lent her hands to farms in Québec, on Salt Spring & Vancouver Islands, and in Baja California Sur, México. Before she got down to working with the roots and soil of it all, you could find her behind a desk or out at community events for various non-profit, community and institutional organizations in the fields of conservation, health and public art in Toronto and internationally.
Shereen Kukha-Bryson is over the moon to be part of the Lifecycles team and connect with diverse communities around food and the land! She is a person of the prairies, born and raised on Treaty 6 territory - Saskatoon, SK - but has set down new roots in Victoria, unceded Coast Salish Territory. She feels most connected to the land when she is working with folks, soil, plants, pollinators, and food in culturally rich contexts. With a background in Anthropology and Indigenous Studies from the University of Ottawa and the University of Victoria, Shereen has cultivated great appreciation for different cultural worldviews which has kindled her passion for engaging with different foodways. Her close connection to her Kurdish heritage has further deepened her exploration into the cultural stories, memories, histories, and relationships connected to food production. With the support and teachings from a number of plant mentors, Shereen has been engaging in food education over the past 7 years with an emphasis on school gardening and food security. In particular, she has had the honour to collaborate with children, youth, and educators on growing local food across Saskatchewan. Young people's enthusiasm and knowledge of their foodscapes continues to inspire and energize Shereen. She is eager to continue to co-produce empowering food systems with communities and hold space for our future generations!
This is Regan's first year as a member of the Board. She is passionate about local food and believes everyone should have access to good, nutritious food. Regan has 15 years experience in marketing communications and is looking forward to using her skills to further the work of LIfecycles Project Society.
Rhianna is a mom, a community-engaged researcher, and a fan of individual and collective behaviour change towards reduced consumerism. Rhianna graduated from the Global Resource Systems BSc Program at UBC in 2007. Through that program she discovered her passion for sustainable food production and food politics and built her skills and knowledge in in this area through courses, practicums and farming internships. Later, she greatly enjoyed working with the Environmental Youth Alliance as a coordinator, building gardens and developing programs for food system engagement in Vancouver. She is very pleased to be supporting this work at Lifecycles. Rhianna is finishing her MA with the Community Based Research Lab in UVic Geography. She works at the Institute for Studies and Innovation in Community University Engagement at UVic, assisting with community-engaged programs and research.
Matt graduated from the University of Victoria Faculty of Law in 2015 and has already completed half of his Articles at the UVic Environmental Law Centre. Matt is interested in supporting First Nations and the development of a sustainable and just society. Matt feels strongly that his legal education should be applied in the public interest. Throughout law school, Matt was actively involved with the UVic Environmental Law Centre (ELC): completing an intensive term as a student in the ELC clinic, holding various leadership roles with the ELC student club, and sitting on the ELC Board of Directors. As a clinical student at the ELC, Matt worked to stop the construction of pipelines through grizzly bear habitat, improve compost regulation in BC, and protect Wood Buffalo National Park. Matt also completed a clinical term with the UVic Law Centre, providing pro bono legal services for disadvantaged members of our community. In 2015, Matt was awarded the B.C. Law Foundation Public Interest Award.
The seeds for LifeCycles Project Society were first planted in 1994.
In 1994, our founding members attended an international youth exchange in Santiago, Chile. The youth exchange program worked with local organizations to explore issues facing Canadian and Chilean communities, with a goal of developing projects that would enhance the quality of life within urban communities. LifeCycles' founding members learned about the links between globalization, the corporatization of food systems, environmental degradation and food insecurity. They identified a need to spread awareness around issues with food security and increase food production within the urban community.
LifeCycles' first project was the development of community gardens, tended by youth, whose harvests supplied local soup kitchens. Our programs have since grown from there to include a number of interrelated initiatives that seek out to address urban sustainability and food security by offering practical, accessible and hopeful solutions.
We believe that local action, rooted within the community, is the most effective way to create change.
While the maxim Think Globally, Act Locally may seem simplistic, it is still the best model for social and environmental action. This principle is the cornerstone upon which the LifeCycles Project was founded, and it is why we have endured as one of Victoria's best-loved community organizations. LifeCycles is empowering because our initiatives make sense. LifeCycles creates possibilities.
We gratefully acknowledge support from:
LifeCycles programming is supported by a wide diversity of community organizations. We distribute food to over 45 community agencies and work with dozens more to engage a diverse population in food action initiatives across the Capital Regional District. Below is a short list of some of our key, long-term partners:


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Roof Restoration Melbourne
Have you begun to notice damage and deterioration on your home's roof? Have tiles and grout started to crack or flake away? Has your roof's colour lost its lustre thanks to constant exposure to the bleaching effects of the sun's rays? For over 20 years the dedicated, highly-experienced, and professional team at Protech Roofing are the only number to call for lasting and tailored roof restoration solutions. Homeowners across Melbourne can call benefit from our stress-free and complete level of service.
Using the best methods and techniques, combined with our implementation of high-quality replacement products and materials, the contractors at Protech Roofing can revitalise a tired and worn roof into a structure that is as good as new.
Roofing Contractors
Committed to bringing out the best in roofs across Melbourne's metro area the team at Protech Roofing have the tools and the talent necessary to transform a leaking and very old roof into one that can last countless seasons without succumbing to the elements. Our highly-experienced and knowledgeable roofing contractors can assist both Melbourne home and business owners with regaining confidence in their roofs. By conducting in-depth inspections of suspect roofs, we can identify damage and promptly conduct repairs with ease.
Roof Leak Repairs
If your roof is leaking you have a big problem on your hands. Over our decades of on-the-job experience and in-depth training our team have seen the amount of damage that roof leaks can wreak on the interior of properties. By patching up the holes and leaks that are allowing water to leak through the roof and into the home's interior our highly-trained and renowned roofing contractors can effectively stop the continued damage caused by rain water and moisture. My re-grouting and replacing grout and tiles or installing new metal sheeting we can keep you dry all year round.
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Philip HeylenMay 12, 2016 | be Waste Wise
Philip Heylen is the Vice Mayor of Antwerp city's Culture, Economy, City Maintenance and Property and an Advisor to be Waste Wise. He has participated as a key note speaker in Belgium and abroad on topics like culture, economy, sustainable development, waste … Read More
Jacquie OttmanMay 12, 2016 | be Waste Wise 1
Jacquie Ottman is the Founder of We Hate To Waste and an Advisor to be Waste Wise.
Since 1989, as founder and principal of the NYC-based J. Ottman Consulting, Inc., Jacquie Ottman has been advising Fortune 500 companies and several U.S. … Read More


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An impeccably crafted layering piece in soft lambskin leather by BOSS Menswear. Cut to a straight fit, this two-way zip-through jacket features a cosy wool-lined stand collar, zipped side pockets and masculine elasticated leather detailing at the hem and cuffs. Pair this understated, biker-inspired design with smart-casual ensembles for an effortlessly refined aesthetic.
Material and Care
Material information: 100% Lambskin


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The below table lists the fee for licensing MixERP commercial edition, on premises. The list is annual price that includes 5 user license, minimum 5 user pack should be purchased on each order. Before placing an order or inquiry, please note that the source code of commercial edition is closed and shipped in the binary form. An additional fee of $100 per man day is required for extra development and customizations, whereas the support fee is fully included in this pricing.
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We do not force you to buy a commercial license. Use MixERP free forever and pay only when you need support.


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4 Steps To Get What You Want At Any Time, Any Place
The Sweet Spot of Tradition, EQ and Empathy.
How many things do you do each day, month, and year that are always the same? A tradition is something we repeat that has meaning to us. Holidays are a given. What about monthly activities – maybe dinner with friends and family, a networking event, something we volunteer for (like being involved in Girl Scouts). You may think this is a stretch … daily traditions: breakfast being the most important meal of the day, an apple a day keeps the doctor away. Think back to what your parents taught you. How many of their routines are now yours? A tradition is something that has meaning and value to us.


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Genesis Birth Co.
About the Midwife
Doula and other Services
Call This Midwife
Meet the Team!
Blog Q&A
About the Midwife
Doula and other Services
Call This Midwife
Meet the Team!
Blog Q&A
The Midwives Model of Care
Midwives Model of Care
is based on the fact that pregnancy and birth are normal life processes.
The Midwives Model of Care includes:
Monitoring the physical, psychological, and social well-being of the mother throughout the childbearing cycle
Providing the mother with individualized education, counseling, and prenatal care, continuous hands-on [or as requested] assistance during labor and delivery, and postpartum support
Minimizing technological interventions
Identifying and referring women who require obstetrical attention
The application of this woman-centered model of care has been proven to reduce the incidence of birth injury, trauma, and cesarean section.
Copyright (c) 1996-2008, Midwifery Task Force, Inc., All Rights Reserved.
I contacted Dee Gordon after interviewing several other local midwives. I was looking for a midwife to deliver my fourth baby. I have had one hospital birth and two previous home births. She took time to answer all of my questions on the phone and later in person she efficiently answered another long list of questions. I was drawn to her immediately because I sensed she was sincere and passionate about giving mothers and babies a fantastic birth adventure. As she shared her experiences and beliefs about giving birth it was clear to me that she is educated and expertly qualified. Each prenatal appointment was thorough and unhurried as she inquired about my health and pregnancy and relieved all of my concerns. I left each prenatal feeling well cared for and always with advanced knowledge of ways to have an optimal pregnancy and birth. During this pregnancy I was also working through some difficult emotions due to unplanned events in my life. Dee was a true friend to me showing nonjudgemental love and compassion. This empathy was exactly what I needed through those months of preparing for my baby's arrival. This paved a way for a genuine connection with her and I am convinced my little one's birth at home was much enhanced by my feeling comfortable in Dee's care. I had a preterm labor scare while I was moving to a new home and she gave me sound advice while also sharing opinions gleaned from other midwives about my condition. Some caregivers I've had in the past would have been too ego centered to confer with others, but Dee always demonstrated that my safety and that of my unborn baby was priority. When I was in labor she was a Godsend! Anyone can say the "right words" but when those words are wrapped in genuine warmth they become powerful. Dee's tone of voice and physical touch conveyed this and carried me through the most challenging part of labor. She seemed to know what would be most effective during the pushing stage even though it was different than we had initially imagined or planned. Sure enough her instincts were spot on! After my little one's birth my placenta was taking a while to deliver so Dee recommended different techniques all the while remaining serene and confident. This in turn kept me from feeling anxious and soon my placenta was delivered. Her competence, patience, dedication and graceful presence is something I will always remember. If I am blessed with more children Dee will be my first choice for a midwife! In addition to Dee's expertise I admire her desire to continually stay abreast of the latest research and her hunger to continue to educate herself and others in the community. There are a myriad of reasons why I admire Dee Gordon as a midwife, mother, wife and friend. She has been and will always be a valuable asset to the community she so faithfully serves. Joann S.
Services Provided:
Nutritional Counseling
Prenatal exams
Postpartum exams
Placenta Encapsulation
Fertility Counseling
Home visits
Water Birth
Hospital Doula
Belly Casting
Belly Binding
Postpartum Doula Care
Concierge Birth Support
Meet the Team at Genesis Birth Co.
Dee Gordon DEM
Mollee Safua DEM
Heather McLean- Sr. Apprentice/Lactation Consultant
Bobbie VanBatenburg - Student Midwife/Assistant
Kami Danger- Student Midwife/Assistant
Proudly powered by
About the Midwife
Doula and other Services
Call This Midwife
Meet the Team!
Blog Q&A


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Lace Tank (comes in several colors) : Button Jean Leggings : Lace up Sneakers : Sunglasses : Scalloped Tote : Earrings : Watch ( only black is left ): Lipstick
Happy Monday! The only Monday Blues I want are the blues in this outfit. Today it is all about a double lace spring look.
Spring pastel colors are so beautiful and feminine and my love for lace is loud in the spring outfit. This baby blue lace neck tank gives me all the Spring season feels. I liked it so much that I got in another color. I actually just walked into Express for jeans and came out with 2 extra tops instead. Whoops. Since it was practical for work and casual, I felt I could justify it. Also getting it in another colors seems like a good idea because I am the type of gal if I really like something, I get other colors. Are you like that? That kind of shopping method has happened to me a lot.
I am typing this on Monday and as of now Express is having 40% off their jeans. I have worn these button jean leggings so much since I have bought them. You may actually think I don't have any other jeans lol but I do love them. Jeans are not cheap but getting a good pair of jeans like these is worth it. They are on sale for under 50 right now.
I couldn't stop my love of lace and this outfit just needed more lace. I think spring time is the perfect time to mix lace patterns into an outfit. I love these lace up sneakers. The color is so beautiful and perfect for spring. They are comfy and by one of my favorite designers. The shoes are the perfect color to pair with a white lace top or another pink lace top. Lace is fun to play with and so feminine so don't be afraid to plan out a double lace spring look.
Thank you for reading today's post. Stay tuned for lots of fun content coming and subscribe for the latest to be sent to you here. Follow along on my Instagram for exclusive content like outfits as well.
Love, Naomi Noel


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The first time they kissed he was all nerves and liquid energy. His heart was pounding so hard he thought it would surely burst from his chest.
He was so damn terrified he would forget to breathe or breathe too much or bite her tongue or – and then she put a hand on his cheek and stroked it gently. At this simple gesture of affection, something inside him unwound completely, taking his fear with it.
He was half-surprised to find she tasted sweet when he licked out his tongue experimentally, like he always imagined she would. After a moment he pulled back and smiled as her face came into focus. She smiled back almost shyly and moved the hand on his cheek to behind his neck before pulling him gently towards her once more.
The moment their lips touched again and James felt her warmth against him, he knew he was home, that she was the only one for him. He had perhaps always known it, but it wasn't until that moment that it surfaced clearly in his mind.
The kiss wasn't like fireworks or any other of those tired clichés. Instead, James reflected as he opened his mouth and let her tongue move between his lips, it was like sliding into a hot bath.
The warmth starts at your toes, turning your insides to jelly on impact, and then it spreads to the rest of your body until all your worries dissipate and you're left with a feeling of utmost comfort.
They kissed lazily for a few moments, learning each other's taste. When they finally pulled away, James had a smile on his face.
"Kissing you is like a warm bath," he blurted and then proceeded to stare at Lily in horror. Had those words really just come out of his mouth?
She laughed, but not unkindly. "Oh, James…"
And then there was that bath feeling again.
"I suppose we'd best finish rounds," she said and James nodded in agreement, not trusting his traitorous mouth.
Lily reached for his hand and wove their fingers together. "So. A bath, eh?" she murmured with a small smile as they wandered down the hall. James didn't say anything. He was still beyond mortified.
"Now, is it the wetness?" she teased, giving his hand a quick squeeze.
"Evans," James said in a warning tone.
"Or is it the pruning factor?" she continued, a grin spreading. "You don't get pruney when you snog do you?"
"I warned you!" James said before backing her against the wall and tickling her until she was wheezing for air.
"Okay, okay," she gasped between giggling fits. James relented, putting his hands in his pockets.
"You know," Lily said, taking his arm, "if it's the warm comfort factor, you're rather bathy yourself."
James smiled and squeezed her arm before continuing their rounds. Their footsteps echoed vaguely off the stone walls before fading into the distance.


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Short Story Writing Assignment Middle School - Essay On Fahrenheit 451
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If you have Crayon Syntax and W3 Total Cache WordPress plug-ins installed and are experiencing issues on the front-end, read on…The ChallengeThe Solution... Read More
April 20, 2017Fernando Cuis
Give them the proverbial, finger. With WordPress dominating a good 24-25% of the Internet's website platform share, it should come as no surprise how commonly hackers target it. One of the oldest, and yet, more effective methods of compromising a website is to simply brute force your way through the the authentication system.Website users, heck, even website administrators (!) are lazy when it comes to creating strong website credentials. This isn't because they lack the wherewithal — it is simply a matter of convenience. Eventually though, it will come as a lesson learned the hard way.Below I'm going to ... Read More
October 17, 2016Fernando Cuis
Engaging your website visitors has never been more easy. Website visitors are like ghosts. You know they're there, visiting your pages, reading your content, but you don't see them. What if you could engage these visitors before they left your website? To engage them, you must make the first move. Enter JivoChat JivoChat is a fast, easy and stylish way to engage in a 1-on-1 conversation with your website visitors. Provide them immediate answers to questions they may have or help they may need… ... Read More
April 28, 2016Fernando Cuis
f;alksjf;i:KJlkja;skfjlknm;aklj;lkdfm My friends over at Time Warner give me keyboard-rage. See that above? That's what happens when I'm redirected to a custom search results page by Time Warner Cable. Are you raging too? Perform the following steps first:Sit up in your chair, nice and erect. Tilt your head left and right stretching out your neck. Now, through your nose (mouth closed) take a really deep breath. Fill your lungs to max-capacity. Count to 3. Slowly exhale through your mouth and count ... Read More
March 17, 2016Fernando Cuis
Intruiging New Features in Worpress 4.3 Latest ReleaseWordpress 4.3 is out, and there are some nifty new features.... Read More
August 19, 2015Fernando Cuis
Dreamweaver & Redux Framework CollideI've been working with WordPress a long time. Adobe Dreamweaver (DW) even longer. In fact, I've been working with Dreamweaver since it was first developed by Macromedia and it was in its initial release. So much to my surprise, while troubleshooting the error in the title of this page, I was taken down a long rabbit hole to find the culprit and the solution. I share both with you below. Background First Maintain Synchronization Information Dreamweaver creates a folder in each directory of your website's architecture called ... Read More
June 24, 2015Fernando Cuis
WordPress comments can be a double-edged sword. Throw in trackbacks / pingbacks and you may find yourself in an unfriendly situation. Comment spam is notoriously exploited on WordPress platforms... largely due to naivety of website owners who have no idea what these terms mean or how to manage them effectively.If you're coming in on the tail-end of mitigating comment spam on a blog that has hundreds, even thousands of posts... disabling comments can be a bear. The WordPress administrative interface can be fickle about bulk editing more than 50 - 100 posts at once.Below I'm going ... Read More
April 21, 2015Fernando Cuis
Google's Mobile-Friendly Algorithm Update, How it Affects Your BusinessThe big question you should be asking yourself is: "Is my website mobile friendly?" Google hopes that the answer from that question is an unequivocal yes. This is such a crucial topic right now, such that in the latest (read: next) Google's Mobile-friendly Algorithm Update, mobile-ready websites will be seeing an increase (read: boost) in their search rankings. If you have not yet made plans for transition to a mobile friendly web design, now is the time to do so. Contact us right away to discuss ... Read More
April 19, 2015Fernando Cuis
I love a good online application as much as the next guy. But I love it even more when it helps me… help my clients. Buzzsum is one really useful and cool SEO/research tool. Buzzsum lets you start a search by entering 1-2 keywords that are likely to appear in the titles of content related to your research industry. For example, "probiotics" or "content marketing". You can also search by domain. What you get in return is the TOP SHARED CONTENT. That is, the most shared content for your topic ... Read More
March 25, 2015Fernando Cuis
The Federal Communications Commission has finally published its full net neutrality rules. Read it, then weep.
March 12, 2015Fernando Cuis


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Tel: 01904 430850 |
Web: www.spicebox.co.uk
We're on the hunt for enthusiastic people to join our team.
We are pleased to announce that we will be adding a 5th Rafi's Spicebox to the fold this summer, with our new Leeds shop opening in August.
We love making this recipe for BBQs, but it is also great for picnics or as part of a light evening meal.
This recipe makes a refreshing and exciting accompaniment to a curry. It has everything we look for in a dish. It's sweet, sour, salty, spicy and crunchy, and that's all in one bite!
Lee sent this recipe whilst on his travels in Mysore. It's a really quick, fresh and tasty dish. A perfect summer salad full of vibrant colours, tastes and textures.
A guide to all the events and markets we'll be visiting this year. Come along and see us!


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Page 1 of 3
Former House speaker Tip O'Neill is quoted as saying "all politics is local." That is especially true when it comes to transit funding. There are, by mid-May, more than a dozen transit financing-related ballot measures that have already been confirmed for fall votes, while up to 30 more could join them, reports the Center for Transportation Excellence (CFTE), a Washington, D.C.-based public-transportation-oriented information clearinghouse.
These proposals could generate a large amount of transit investment: more than $55 billion alone for the measures that have the green signal to go in front of voters.
The key ones to watch for in 2008 are:
Looking for voter approval
Several local transit systems hope to receive voter approval for stable or expanded financing sources, such as with dedicated property and sales taxes. Proposed new small city and rural transit systems are on ballots as well.
At least five approved and possible transit funding questions are second attempts. The proponents have gone back to adjust the proposals in the hopes of seeing them pass. The key ones include:
In November 2007 the electorate derailed Proposition 1 that had coupled ST's plan and Sound Transit 2 (ST2), which included 50 new miles of light rail plus commuter rail and express bus improvements priced at $11 billion, with $7 billion in highway expansion built over 20 years. Voters refused to approve a 0.6 cent increase in local taxes to help pay for the combined program.
ST2 would have followed Sound Move or "ST1," passed by the voters in 1996, which had started up Sound Transit's network.
In response, the ST board is considering putting forward ST2 without the highway expansion, plus two other choices featuring light rail and BRT expansions, and commuter rail improvements that would be constructed over 12 years. One plan would include 18 miles of light rail, cost $6.8 billion and require a 0.4 percent tax hike, while a slightly larger proposal would feature 23 miles of light rail priced at $7.8 billion that would need a 0.5 percent tax increase.
Both of the lower-scaled projects would have design engineering to build out the light rail in the Proposition 1 package; voters would presumably have to approve financing at the end of the 12 years to meet ST 2's expansion goals.
The CFTE is very optimistic that most of the ballot measures will pass. The organization reports that Americans have voted for 88 percent of all transportation financing measures put to them over the past seven years.
"More Americans are using public transportation to beat the high cost of gas," says CFTE spokesperson Bridget Hennessey, "and are willing to pay for transportation choices in their communities."
As part of the North American Transit Sales Team, Sonny Gordon joins the organization with 20 years of experience in the industry.
The current chief mechanical officer oversees 650 employees responsible for the repair, inspection, cleaning and maintenance of nearly 1,200 railcars and locomotives.
RATP Dev has appointed Bernadette Townsend to serve as ART's new GM.
CDTA representatives will attend the APTA conference in early October in Atlanta to receive the award.
Luis Manuel Ramírez, who most recently has run his own strategic and turnaround business consulting firm, will succeed Interim GM Steve Poftak on September 12.
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Captain your own boat!
Do you like adventure? If you are tired of joining the usual tourist crowd then you should book this intense and very personal way to enjoy the full breadth of Sydney Harbour in your own boat. Book your unique self-driving experience and enjoy the most beautiful harbour in the world from a completely different perspective.
The Boats
Our custom-built boats can accommodate two people each and due to their special design will offer you a completely different viewpoint on the water compared to large sightseeing vessels in Sydney Harbour. This will enable you to get a much more intense boating experience. Our group sizes are limited to 6 people only to allow for a very intimate trip. Your guide will lead you to the best spots and assist you on the water.
The Experience
Before the start of the tour each guest will participate in a boat safety and operations briefing. Once training is completed you will be able to operate your own boat as you follow our guide through Sydney Harbour for your adventure.
The Highlights Tour
Total experience: 2:00 hours (approx.)
Time on water: 1:15 hour (approx.)
Price per boat: $158 ($79 p.p.)
- Drive below the Harbour Bridge and past Sydney Opera House
- See the massive navy ships in Garden Island
- Enjoy close views of upscale residential areas in Rose Bay and Point Piper.
- Get to know Shark Island and Clark Island
The Grand Tour
Total experience: 3:10 hours (approx.)
Time on water: 2:30 hours (approx.)
Price per boat: $249 ($124 p.p.)
- See everything from the Highlights Tour
- Experience Darling Harbour and the Australian Maritime Museum from a completely different perspective
- See the beaches of Athol Bay and Hermit Bay
- Enjoy close views of upscale residential areas in Mosman Bay, Lavender Bay and Double Bay.
- Drive around Goat Island


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Not Just A Random Blog archive
Tag: photos
Africa In Black And White
These stunning black and white photos, taken by Nick Brandt, are breathtaking. Beautiful things do captivate, and we are taken both by the talent and courage of this photographer
20 Beautiful Pictures of Earth
Here are some beautiful photos taken by Astronaut Sunita Williams. Sandstorm Leaving North Africa Towards The Atlantic
Extraordinary Photos
These amazing photos are from Laoen, a German photographer, and compiled by Patrick Notley. Click on an image to view it full size.
Stunning Owl Gallery
I'm not so interested in owls, but some of these pictures are pretty cool. They were taken by Neil McIntire, renowned Scottish landscape and nature photographer.


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Stan Herman Novelty Print Micro Fleece 2-Pc Lounge Set
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Introducing Flat Stan
He's sure to put a smile on your face! Print out your Flat Stan & share with friends to celebrate Stan Herman's 20th year with QVC.
Get set for cozy comfort. Soft microfleece fabric means this lounge set will keep you warm no matter how cold the weather. From Stan Herman.
- Includes microfleece top and bottoms
- Top: long sleeves, scoop neckline
- Pants: side pockets, elastic waistband
- Top: relaxed fit; length measurements XS 26-3/4", S 27", M 27-3/8", L 27-7/8", XL 28-5/8", 1X 29", 2X 29-7/8", 3X 30-3/4"
- Pants: relaxed fit; at the waist; straight leg; XS thru 3X inseam measures 30"
- 100% polyester
- Machine wash, tumble dry
- Made in China
Delivery Date Estimate
Reviews & Community QA
Rated 4.5 out of 5 by 192 reviewers.
Rated 5 out of 5 by hobbitville best pajamas yet These are wonderful pajamas. I got the birds set and they are beautiful. Better still, they truly are petite. So many designers say they carry petite, but when you try them on they really are not. How nice to be able to trust a designer's words. One of the most lovely parts of this set is the very feminine neckline.It's like a lovely bateau neckline that perfectly shapes the face..The purple colors are soft and flattering. I feel so fortunate to have received this set before I go on vacation, and lucked out that they are on clearance. I salute you Stan Herman for really understanding the needs of petite viewers! 04-30-16
Rated 5 out of 5 by robert10 Very Satisfied I purchased this product and was completely satisfied with the fit and design. The material of the pj's are so soft and comfortable. Subsequently, I purchased a second pair and am extremely happy with the style. 02-23-16
Rated 5 out of 5 by kathih Pleasantly Surprised!! I am a PJ freak! Have many sets but Stan's are by far my favorite. I ordered my first pair last Christmas only because they came with matching Christmas dog sweaters.... I immediately fell in love with them! Perfect fit and perfect weight. So soft! I just saw these as a lunch time special and HAD to order another pair! Thank you! Stan.... could you bring back the matching dog sweaters....? They too are a perfect weight - not too heavy but holds warmth - easy on and easy off. 02-02-16
Rated 3 out of 5 by judth piling everything is wonderful, but the fleece keeps pilling i use masking tape to remove it, but it keeps on happening. 01-24-16
Rated 5 out of 5 by Pixiebelle Softees Galore Love love love these!! Got the birds in Medium. I am 5'4" and approx. 155 pounds. The Medium runs very generous, but that is the way I prefer my PJ's, especially due to broad shoulders. These are absolutely wonderful! Softest ever! Material is substantial, not flimsy. These are THE BEST! Thank you so much, Stan!! 11-06-15
Rated 5 out of 5 by heavenlyB STAN/QVC-More B4 XMass PLEASE! These are FABULOUS....I have the Fancy Cat and the Birds...Loveeeeee!!! I wish I had already ordered even more, however, all the size large are sold out. PLEASE OFFER MORE OF THESE FOR PURCHASE BY THE QVC CUSTOMER PRIOR TO CHRISTMAS FOR GIFTS. Kindly consider my request? I need at least 5-6 sets. Thank you, STAN AND QVC! Massachusetts....I would highly recommend these for anyone (purchase for yourself or as gifts)...A+++!!! 11-01-15
Rated 5 out of 5 by kelnor4 SO SOFT bought these for my mom and she loves them!!! they are soooooooooo soft!! very comfy! 10-28-15
Rated 5 out of 5 by pop909 Best Pajamas I ever owned! ❤ I bought three pair of these just a year ago and I've even worn them to pick up my grandson after school. I just wait in the car, and that made him laugh! I just wash them in the washer and then place them in the dryer. I don't know why some customers hang them up. For me,they are like sleeping in a cloud. I live in Northern CA,, and they are my favorite clothes to lounge in and sleep in. For me, they are never too hot. Nor too cold. I wish Stan would make knee length chenille housecoats. Love chenille. Stan Herman, Alegria shoes and products from Valerie are just the best. Oh~ and Scrub Daddy sponges. All miracles to start a day with a cup of coffee from my Keurig, too! Thank you,,QVC. Remember, things can be returned, if you are not happy! 10-22-15


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We here at The Right Card and More pride ourselves on being amateur psychologists. As such, we've had occasion to observe teachers outside their classroom environment. In our research, we have consistently found two behavior patterns to be true in studying these noble educators.
- One, teachers look tremendously forward to basking in the freedom of summer break. (Assuming they still have a summer break; we know teachers who work year round.)
- And two, while on summer break, the subjects er, teachers, seem to sense inevitably impending doom at the thought of returning to school.
This mourning of summer's demise seems to commence around July 5th; the date varies depending on individual differences.
Being resourceful, many teachers "self medicate" or treat these anxious episodes by the act of getting ready for the upcoming school year. Or, more likely, this behavior is simply indicative of being prepared for the onslaught of smiling young faces about to be placed in front of the them!
Whichever the case may be, we'd like to help teachers with their cause AND bring smiles to their faces at the same time. Below are some products that we hope do both. And teachers, thank you for all the good work you do!
If You're in a Bind
Teacher's Sunflower Black Binder by bizeeboy
Make a 3 ring binder at zazzle
Polka Dots & Apple Teacher's Class Planner Vinyl Binder by Justforteachers
Browse more Teachers Binders
Black Chalkboard with Apple Personalized Binder by reflections06
Create your own vinyl binder using zazzle
It's Time to be Nerdy Binder by luaTAKEACTION
Design Avery custom binders online at Zazzle.
When You Just Can't Contain Yourself
Special Teacher Bag by MishMoshTees
Design your own customizable tote bags at zazzle.com
Wise Owl Teacher's Tote Bag by Justforteachers
Create unique customized canvas tote bags.
When the Visual Aid States "IT" Clearly
Do The Right Thing Poster by school_teacher
Get the best in online poster printing at zazzle.com
Classroom Poster: PAY ATTENTION by MarshEnterprises
View other Classroom Posters at Zazzle.com
Vocabulary Download Poster by Siberianmom
Check out Language arts Posters online at zazzle
Slope Posters by cptballoon
Browse for more framed art posters at zazzle
School Teacher's Classroom Welcome – SRF Posters by sharonrhea
See more School Posters at zazzle.com
*Posters can be purchased with inexpensive frames included!
Post writing and layout by Regan Olson


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New dating site addiction titelbild facebook erstellen online dating
In some cases, it also becomes very expensive if the addict is paying for memberships to multiple dating sites or chat rooms.
Love addicts are often drawn to the Internet because it allows them to create a false persona. Melissa is a fairly quiet, shy woman in her late 30s.
At the encouragement of a friend, she put up a profile with one of her best photos.
Never before in the history of the world has it ever been so easy to connect with literally hundreds of people in short amounts of time. Just turn on the computer and you can be chatting with someone on the other side of the planet within a matter of seconds.Online dating sites are like a shopping mall for love addicts.With literally hundreds from which to choose, love addicts can window shop for potential partners for hours on end.As soon as someone catches their eye, they can engage in a virtual chat session with just a few clicks of the mouse – if the other person is also online as well.If they're not, they can leave a message and connect at a later date.
Search for new dating site addiction:
For some individuals, online dating in and of itself can become addicting.


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|Pepper TV Cooking Show Lunch Box - New
Watch Pepper TV Cooking Show Lunch Box at Tamilo.com. Please tell your friends and family to visit Tamilo.com for their one stop Tamil Entertainment Website. Thank you
Lunch box- Burry Toast 03/Apr/2017
Lunch box- Cornberry Piece Pulav 29/Mar/2017
Lunch box - Mango Coconut Chutney 20/Mar/2017
Lunch box - Cauliflower Kootu 13/Mar/2017
LunchBox - Ladies Finger Panner Sapji 06/Mar/2017
LunchBox - Shahi Bhel Puri 01/Mar/2017
LunchBox - Poondu Kulambu 20/Feb/2017
Lunch Box - Soya Milk Shake 13/Feb/2017
Lunch box - Healthy Foods - Vannila Cherry Blossom 06/Feb/2017
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LunchBox - Palak Chana Masala 23/Sep/2016
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Lunch Box - Mor Karry 12/Sep/2016
Lunch Box - Oats Pongal 02/Sep/2016
LunchBox - Kovakkai Chutney 26/Aug/2016
LunchBox - Arisi upma 19/Aug/2016
LunchBox - Chilli Paratha 12/Aug/2016
LunchBox - Peanut Chutney, Multigrain Adai & Soya Masala 05/Aug/2016
LunchBox - Beetroot Rice & Eriseri 22/Jul/2016
LunchBox - Amritsar Black Dal, Missi Roti & Ginger Shorba 15/Jul/2016
LunchBox - Chile Rolinos &Milk Soup 24/Jun/2016
LunchBox - Sweet Potato Boli, Strawberry Soup & Carrot Pickle 17/Jun/2016
LunchBox - Pumpkin Kheer, Alfredo Spanish Multi-Veg Pasta & Aval Payasam 31/May/2016
Lunch Box - Bindi Fry, Laccha Parata & Corn Kuruma
Lunch Box - Chokkan Keerai, Curd Aval & Banana Dumplings
Lunch Box - Methi Raita, Jeera Rice & Kiwi Recipe
Lunch Box - Mango Fruit Veg. Salad
Lunch Box - Fatoosh Salad & Chocolate Fudge Cake
Lunch Box - Hakka Noodles & Chocolate Moose
Lunch Box - Waldorf Salad & Spaghetti Classic Pasta
Lunch Box - Salad With Carrot, Oil Free Dhai/Curd Vada
Lunch Box - Potato Fry & Baked Corn Recipe
Lunch Box - Litchi Gravy, Pita Bread & Pomegranate Raita
Lunch Box - Pasta
Lunch Box - Light Yellow Dosa
Lunch Box - Cranberry Peas Pulav
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Lunch Box - Kiwi fruit recipes
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Latest Update - Today
Latest Update
SJ Surya tents up for a 'Mandalam' in Ooty
Sivakarthikeyan to work in fantasy based adventure film?
Shooting of Imsai Arasan 24Am Pulikesi kick-starts with first look
Kaala release – strong word of confirmation from producers
Vijay Sethupathi and A R Rahman confirmed in Chiranjeevi's film
What will be the next film of Anbanavan Asaradhavan Adangadhavan director?