text:
CHICAGO -- Forget the carnival on ice that was Game 1 of the Stanley Cup finals. For all intents and purposes, the finals begin with Game 2 on Monday night and we are already at a crossroads in the Series of the Drought.
Both teams spent Sunday trying to push aside the images and memories of Saturday's 6-5 rodeo won by the Chicago Blackhawks.
We were reminded of Denis Lemieux, the fictional Johnstown Chiefs goaltender from "Slap Shot" after both the Blackhawks and Philadelphia Flyers essentially said they felt shame about what had transpired at the United Center in the highest-scoring finals game since 1992.
Chicago captain Jonathan Toews was minus-3 in Game 1 and held off the score sheet for just the third time in these playoffs.
"Again, as a team, I'm very thankful as a team we found a way," he said Sunday. "But again, I think we can all treat it as kind of a loss. We all know it wasn't our best game, so we will prepare to play much better tomorrow night. I think both teams are putting that game behind them."
Toews thought perhaps both teams were reacting to the buildup of hype and emotion leading up to Game 1. The Blackhawks have not won a Cup since 1961, the longest drought in the NHL. The Flyers have not won a championship since 1975. Both teams carry a heavy burden of expectation from their long-suffering cities and fans, burdens that sometimes make players play out of character. Game 1 was certainly out of character on many levels.
"It's been such a long week that there's a lot of moments during that week when you're just sitting around and you're really thinking about it and you try and keep your TV off and you don't want to read the newspapers and stuff like that, just to kind of treat it as just another game and we're playing hockey," Toews said. "But everyone knows what's at stake here, so it's tough not to get excited about it.
"I think both teams maybe realized that maybe a little bit too much last night. You could definitely see that there was definitely some jitters early on."
So Monday night promises to be a better indication of what kind of personality this series is going to adopt. In that way, it becomes a crucial test, especially for the Philadelphia Flyers.
The Blackhawks would like to replicate what they did in the third period, when they limited the Flyers to six shots on goal and zero goals while getting the winning tally from third-line winger Tomas Kopecky. The Blackhawks have proved to be an opportunistic bunch throughout the playoffs and were so again in Game 1, scoring five times on just 20 shots to drive Philadelphia starter Michael Leighton from the nets late in the second period.
If, as the Blackhawks believe, it would be difficult for them to play any worse defensively, then they have an opportunity Monday to seize control of this series and make short work of the Flyers.
"I think tomorrow's going to be a better game from our side and I think Philly's going to play better too, so it's probably going to be a pretty good game tomorrow, but I don't think it's going to be high-scoring," predicted Chicago defenseman Niklas Hjalmarsson.
Yes, we read the memo: The Flyers became just the third team in NHL history to rebound from a 3-0 series deficit to beat Boston in the conference semifinals earlier this spring. That is simply another reason they must absolutely win Game 2 if they are to have a chance to win this series. Teams falling behind 2-0 in the Cup finals almost never come back (they do so less than 13 percent of the time). Yes, Pittsburgh did it last season against Detroit, but like the Flyers' remarkable comeback against Boston, there is simply no way to expect miraculous events to continue to happen to one team.
How many times can the Flyers expect to tempt the hockey gods and still emerge victorious? We think the margin for such error is none. If the Flyers fall behind 2-0 in this series, they are done. Not that anyone in the Philadelphia room will go so far as to say so.
"Well, I look at it as an opportunity to steal home ice and tomorrow's not a do-or-die situation by any means," said Flyers defenseman Matt Carle, who logged 28:08 in ice time in Game 1. "Win or lose, we're going to be ready to go for Game 3 back in our barn, but we certainly want to try and steal home ice and that's the objective."
The Flyers must hope to get some goaltending help, regardless of whether it's Leighton or Boucher (we're guessing Leighton), and they must continue the good work of creating traffic in front of Hawks goalie Antti Niemi, pouncing on loose pucks and creating turnovers in the Chicago zone.
We have seen them do so effectively throughout the playoffs; now they must return that effort in Game 2.
"We've been good at having that short memory no matter what happens with our team," said James van Riemsdyk, who was minus-2 in Game 1. "That's something you've got to have at this time of the year because obviously it's just one game at the end of the day. Whether you lose 6-5 or 6-0, you've got to start fresh in Game 2. We're going to have to play a hell of a lot better."
In the days leading up to this series, the Blackhawks were established as prohibitive favorites. In Game 2, they will get the opportunity to justify that faith. Meanwhile, the Flyers were a loose bunch Sunday, hooting and hollering, playing soccer in the hallways of the United Center and exuding confidence in dealing with the press after their workouts.
"Every loss is big in the playoffs. I'm not going to lie about that," said Danny Briere, one of the best Flyers in Game 1 with four points. "But at the same time, coming in, everybody was talking how good the Blackhawks were. And not too many people -- I haven't heard anybody giving us a chance to win this series.
"What I liked is, [Saturday] night, we proved we belong with them. You know, maybe not to all the hockey experts, but in our room, I think we realize we can play and we can stretch the series and definitely come back in it."
Scott Burnside covers the NHL for ESPN.com.


text:
Decision makers
- Mayor Michael BloombergMayor, New York City
- Risa WeinstockNYC ACC, Interim Executive Director, Director of Administration and General Counsel
NYC Mayor Michael Bloomberg: Stop the Inhumane Treatment of Animals @ Animal Care and Control of NYC
Adoptable dogs and cats are being mistreated in ACC NYC facilities and killed at an alarming rate. Strays only get a 3 day hold time. Cats & Dogs surrendered by owners can be killed the same day. The animals need more time for rescue/foster/adoption to be put in place.Terrified by the harsh conditions, many animals are left with no food or water. Animals who are adoptable are being killed quickly due to overcrowding and for simply being terrified or sick. Injured animals are not receiving care. Rescue volunteers are doing as much as possible but they can not do this alone. We need your help to call on Mayor Bloomberg to intervene in this matter immediately. Every animal deserves humane treatment and a reasonable hold time so that help can get to them. In the aftermath of hurricane Sandy, a simple extended hold grace period would make sense and save lives. We ask that ACC-NYC stop the killing of innocent cats and dogs and work with the rescue community to find placement. All animals deserve humane treatment and care. Thank you.
- Mayor, New York City
Mayor Michael Bloomberg
- NYC ACC, Interim Executive Director, Director of Administration and General Counsel
Risa Weinstock
Please intervene and end the inhumane treatment of animals in Animal Care and Control of NYC. Many reports of neglect are being ignored by NYC leadership, and photos of animals in filthy, cold spaces, starving and dehydrated are emerging. Hold times are too short and need to be lengthened. These animals deserve a chance at life. Please commit to creating a more humane environment, as well as treatment. We will not sit back and watch as animals that are adoptable are abused and neglected by NYC staff.
In the aftermath of hurricane Sandy we expect more care not less.
Thank you.
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1:48 am
New Member
Senior Members
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February 10, 2013
So nice to be back. I loved my time (and wonderful friends) on the old forum, but once I felt moved to complete an education in midwifery, all my sewing (and time for anything other than family church and school) went on the back burner. After a 5 year hiatus while working on my CPM master's degree, the light is at the end of the tunnel (just a thesis and some clinical work left) and I can finally return to sewing! My daughters are SOO happy and we actually sat and planned Easter dresses this afternoon. In the absent five years, we've added another girl and boy to the mix so I'm now a mom of 5 rambunctious boys and 2 wonderful girls. Can't wait to reconnect with online friends and sewing pals!
Maria Cranford
8:24 pm
November 5, 2012
Welcome to the new forum!
10:19 pm
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December 27, 2012
Welcome Maria! I hope we get to see some pictures of your Easter dresses.
2:27 am
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October 24, 2012
I'm glad to hear you're sewing again.
8:00 am
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November 2, 2012
Welcome back, Marina! Lovely to 'see' you here.
I too would love to see what you sew up for Easter dresses, enjoy!
ps Congratulations on all your hard work!
6:56 am
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Senior Members
New Members
February 10, 2013
Thanks, everyone! It's nice to "see" familiar faces. We're planning 1780's Portrait dresses for the girls and I'm just waiting for the fabric to get here.
Janel, I'm choosing not to feel so bad that my post count is now a great, big "2" since you've been here since last fall and have a whole 12 posts listed. Can't wait to see that number go up as I meet the new faces, too.
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text:
Medibank Private lifts profit, pays 11-cent FY16 dividend
Page 1 of 1
Australia's biggest health insurer records a profit slightly ahead of Morningstar's forecast, driven by cost management and lower-than-expected growth in hospital utilisation rates.
Medibank Private Limited (ASX: MPL) on Friday announced a net profit of $417.6 million for fiscal 2016, up 46.4 per cent on the prior year and ahead of Morningstar's forecast for a profit of $402.2 million.
Australia's biggest private health insurer attributed the result to "finding efficiency in healthcare services and continued progress on management costs".
"Lower-than-expected growth this year in hospital utilisation rates across the industry has also contributed to the growth in profit," Medibank CEO Craig Drummond said in a statement to the ASX.
"However, revenue growth remained soft due to underperformance of the Medibank brand and a slowing market.
"While Medibank has paid $5.1 billion in claims this year on behalf of our customers, some challenges remain with the value we offer to our customers."
In order to address these challenges, Drummond said Medibank will need to increase investment in its customer service and product offering.
"We know that we need to do more, and that we need to be easier to deal with. Key to this is the implementation of our new core policy management system, Project DelPHI," he said.
"Despite initial implementation issues, we expect that in 2017 this system will be fully operational and will deliver a significant improvement to our customer experience."
Medibank announced a final dividend of 6 cents a share fully franked, which brought the full-year payment to 11.0 cents a share.
This represents a final payout ratio of 71.7 per cent of underlying net profit, in line with the full-year target payout ratio of 70-75 per cent of underlying net profit.
The company said it remains committed to an ongoing full-year target payout ratio between 70-80 per cent of annual underlying net profit.
The final dividend will be paid on 28 September 2016 to shareholders on record as of 7 September 2016.
Medibank's Health Insurance business increased in operating profit to $510.7 million for fiscal 2016.
Premium revenue grew 4.0 per cent to $6,172.5 million, while gross margin rose from 14.2 per cent to 16.6 per cent.
The management expense ratio (MER) stood at 8.4 per cent, broadly in line with Morningstar's expectations and company guidance.
Revenue from the Complementary Services division declined 11.2 per cent to $569.3 million, but operating profit rose 74.6 per cent primarily due to the divestment of underperforming businesses and a solid result from ongoing businesses, Medibank said.
Investment income fell to $59.3 million in fiscal 2016 due to relatively lower equity market returns, as well as lower interest rates, it said.
While not providing any specific forward earnings guidance, Medibank said it expects its Health Insurance operating result to be impacted by "a variety of factors".
Premium growth is expected to slow, reflecting slowing population growth but a relatively steady health insurance participation rate, while market share loss is expected to continue following a weak second half of fiscal 2016, the company said.
More from Morningstar
• ASX delivers strong growth to investors
• Wealth division drags AMP's profit down 10 per cent
Nicholas Grove is a Morningstar journalist.
© 2016 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution. This information is to be used for personal, non-commercial purposes only. No reproduction is permitted without the prior written content of Morningstar. Any general advice or 'class service' have been prepared by Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892), or its Authorised Representatives, and/or Morningstar Research Ltd, subsidiaries of Morningstar, Inc, without reference to your objectives, financial situation or needs. Please refer to our Financial Services Guide (FSG) for more information at www.morningstar.com.au/s/fsg.pdf. Our publications, ratings and products should be viewed as an additional investment resource, not as your sole source of information. Past performance does not necessarily indicate a financial product's future performance. To obtain advice tailored to your situation, contact a licensed financial adviser. Some material is copyright and published under licence from ASX Operations Pty Ltd ACN 004 523 782 ("ASXO"). The article is current as at date of publication.


text:
For hiking purposes we use the name Palestine for the two geographical areas known as the West Bank and Gaza Strip. Being partly under the control of the Palestinian National Authority, these areas are distinct from Israel.
The West Bank is a landlocked area on the west bank of the River Jordan, with rather dry and rugged hilly terrain. Highest point is Tall Asur (1016 m). There are two long distance hiking trails leading through the Palestinian West Bank: the Nativity Trail and the Abraham's Path.
The Gaza Strip borders on the Mediterranean in the west and Egypt in the south, and is a mostly flat area with some low hills and sand dunes along the coast. Highest point is the hill of Abu Awdah (105 m) in the far souteastern corner. No hiking trails that we know of in Gaza.
When hiking in Palestine, carry lots of drinking water and a hat to protect yourself from the hot sun.
Guías y mapas
- Walk Palestine
Website by the Siraj Center for Holy Land Studies, which organizes hikes in Palestine.
Operadores turísticos
United Kingdom
- Palestinian Walks - Notes On A Vanishing Landscape
- Palestinian Walks - Notes on a Vanishing Landscape covers nearly 30 years of turmoil in the Middle East, but from a new and inspired point of view.When Raja Shehadeh first started hill-walking in Palestine in the 1970s he was not aware that he was travelling through a vanishing landscape. The hills would have seemed familiar to Christ - until... Leer más
- Also available from:
- The Book Depository, United Kingdom
- Bol.com, Netherlands
United Kingdom
- Palestinian Walks
- Notes on a Vanishing Landscape Leer más
- Palestinian Walks
- Over two decades of turmoil and change in the Middle East, steered via the history-soaked landscape of Palestine. This new edition includes a previously unpublished epigraph in the form of a walk. When Raja Shehadeh first started hill walking in Palestine, in the late 1970s, he was not aware that he was travelling through a vanishing landscape.... Leer más
United Kingdom
- Walking Palestine: 25 Journeys Into the West Bank
- Walk the plains and hills of Burqin, Jenin and Zebabde; experience the the cool springs of al-Bidaan; explore the tides of empire at charming Sebastia; indulge in Palestinian food, beer and hospitality in Taybeh and Birzeit; wander about in Palestine's most colourful wadis around Aboud; descend through spectacular wadis towards the lows of the... Leer más
- Also available from:
- The Book Depository, United Kingdom
United Kingdom
- Walking Palestine
- 25 Journeys into the West Bank Leer más
United Kingdom
- Walking Palestine
- 25 Journeys in the West Bank Leer más
- Walks In Palestine
- This scarce antiquarian book is a selection from Kessinger Publishings Legacy Reprint Series. Due to its age, it may contain imperfections such as marks, notations, marginalia and flawed pages. Because we believe this work is culturally important, we have made it available as part of our commitment to protecting, preserving, and promoting the... Leer más


text:
|By PSUAvatar14
|More from PSUAvatar14
|The Masters of Weather
|Chapter information
|Written by
|Release date
15 November 2011
|Last chapter
|Next chapter
The Masters of Weather is chapter four of "The Weatherbenders".
After Aang's trip to the Spirit World the previous night, he returns with Katara and Zuko, where they receive knowledge of the art from the original masters. In the meantime, the Meteorologists set their attack.
The story
Fire Nation
With Aang's meeting with just Katara and Zuko over, the Avatar allowed the remainder of his friends back in and informed them of the news.
"Wait," Sokka said. "So you had some Spirit World thing, Aang, and now you have to drag Zuko and my sister along? Apparently some crazy bending is why there's some freaky weather?"
"That's all there is to it. We will find out more when we go to the Spirit World," Aang explained. "There we will learn more about this art."
"Not to mention that we're the only three capable of it," Katara said, referencing her, Zuko and Aang. "That's probably why we're being asked to join Aang."
"I don't know about you," Mai spoke up, "but I don't want my boyfriend getting involved in some freaky spirit stuff!"
"Mai," Zuko said as he placed a hand on his girlfriend's shoulder. "This is for the best. If it relates to this problem, and how we can stop it, I have to do this. Don't worry. You should be able to trust Aang by now."
"I just don't know anything about the Spirit World or these spirits, Zuko...I just want you to be okay," Mai said as she grew worried, and took a hold of Zuko's hand.
"I'll be fine," Zuko gave her an assuring look. "We'll take care of this, get back, and see just what is going on here."
Mai nodded. "All right, Zuko."
Sokka also wore a look of concern, as none of them had ever been in the Spirit World before. Suki cupped one of her boyfriend's cheeks in her hand. "Aang knows what he's doing, don't be so worried," she said.
"I know Suki, it's just like Mai said, we don't anything about the Spirit World..." Sokka looked away from Suki and towards his sister. "Be okay, will you sis?"
Katara nodded. "I'll be fine, Sokka. As long as Aang is with us; I mean, he knows more about the Spirit World than any of us do."
"Isn't that the truth," Toph chuckled. "Well, good luck with your freaky spirit thing, Twinkle Toes. Yeah, we kind of want Sugar Queen and Fire Boy back safely."
"I promise you," Aang stood up and spoke. "We will all be alright. Now, Roku will take us to the Spirit World around midnight. We will return around morning."
The members of the team nodded, understanding Aang's plan. It was now time for his friends to learn just what they were capable of, and what they needed to do to stop the evil that was threatening to take the world out of balance once more.
Aang, Katara and Zuko made their way to just outside the palace, with the Avatar and the Water Tribe girl hand-in-hand. They waited in the courtyard, with Aang meditating, keeping the two close by. He waited for his predecessor to arrive and whisk them away to the Spirit World, for them to receive their education on the art of Weatherbending. Of course, only Aang knew what it was; to Katara and Zuko, it remained a mystery.
A few minutes went beyond midnight, before the next thing they knew, they were in the Spirit World. Their figures all turned blue.
"What's going on, Aang?" Katara looked at him anxiously.
"We're in the Spirit World now," Aang explained. "Now, Avatar Roku should be here soon."
Not even a moment had passed after the young Avatar said that, did Roku come in on Fang. He was smiling as Aang had kept his promise. Katara and Zuko looked at the old Avatar with amazement, their first sight of any spirit. For Zuko, it was even moreso, he was looking at his maternal great-grandfather.
"Avatar Aang, welcome back," Roku said. "Welcome, Katara and Fire Lord Zuko. All three of you may come up onto my dragon. Katara and Zuko, you two will need this information."
"What exactly are we getting here?" Katara wondered out loud.
"It is time for you two to learn," Roku said as Fang took off into the air. "Aang already knows most of what will be said, but this is all new for you. You will learn just what you are capable of, and the history behind this art, and some other important details."
The group made their way through the Spirit World, traveling across the same path that Aang took last night with Roku. They saw all sorts of spirits, from creatures to past Avatars, to even some typical humans. Katara and Zuko were left with shock and amazement as they looked at all the sights of the Spirit World, now seeing it for the first time. A few moments later, they made it to the building where the guardians rested.
"The Guardians of..." Katara read to herself. "Weather?"
"That's right," Aang replied. "The Guardians of Weather."
"I have never heard about this," Zuko said with amazement as he looked at the structure in front of them. "I didn't know weather came from the Spirit World."
Roku nodded. "That is correct. For many millennia, the spirits controlled the weather. Things, however, do not last forever. When we meet the guardians, you will know what I mean."
Aang, Roku, Katara and Zuko all made their way through the same hallway that the Avatars had crossed through the preceding night. They saw all the scrolls and pictures, much to the confusion of Katara and Zuko, who continued to remain puzzled. Katara was amazed at the sight of a Waterbender performing what seemed to be new moves, the image of him being shown in positions that even the young master had not seen.
Zuko looked at the Firebender. "Wait a minute, for some reason," the Fire Lord looked at the inscription below it, which had the bender's name, Zentai. "This man seems familiar."
"He was a past Avatar," Roku explained. "That Avatar was an important figure in this art, which you will soon know about. Come, we are about to enter the room where they are awaiting our presence."
The four walked in, and there the men stood.
"Greetings once again, Aang and Roku," Zentai said. "Welcome to the Spirit World, Katara and Fire Lord Zuko," the old Avatar turned to the other members of the group. "It is good to see you here. I am Avatar Zentai, who roamed your world three thousand years before the War. Congratulations to you two for your role in helping Aang end it."
Katara and Zuko each bowed to Zentai.
Pokai then stepped up to Katara. "Greetings, Sifu Katara. I am Pokai, also a member of the Southern Water Tribe. Like Avatar Zentai, I was part of your world about three thousand years ago. I understand that you are the last Waterbender of the Southern Water Tribe."
Katara nodded, saying nothing as she looked at the old Waterbender in amazement. It was the first time in her life she had met a spirit, not to mention that it was a fellow Waterbender and Southern Tribe citizen.
"Welcome to our realm," Algaion said to Katara and Zuko. "I am Algaion, a former Head of the Council of Elders at the Northern Air Temple. I too lived in your world three thousand years before the War broke out."
"So, what's going on?" Zuko asked. "Why are we here?"
"Patience, young Fire Lord," Zentai responded. "We are getting to that. It is because you, Katara, and Avatar Aang are able benders of an ancient art that is currently being used to take the world out of its delicate balance."
The two first-time Spirit World entrants arched their eyebrows up in curiosity at the eldest Avatar in the room.
"We have asked for you two to come here with Aang so we may enlighten you on the knowledge of this art," Pokai said. "You three are the only benders on Earth we could find who can still use this art to save the world. The other group out there is using this art for malice."
"What is important," Algaion explained, "is that when we do enlighten you with the knowledge, you are now capable of performing these moves in some way. However, that does not make you a master. You must still take training."
All three nodded their heads, while Zuko and Katara awaited what exactly this art was.
The three men gave the same story of Weatherbending that Aang was told last night, and also just exactly what each bender was capable of. When this story ended, Katara was left in a somewhat state of despair, knowing that her nation, albeit not the Southern Tribe, was responsible for why Weatherbending had been pulled from the world 2,500 years before the War broke out.
The second thing the three were told was of the Meteorologists, again, with essentially the same words Aang was given the night before.
"So that's why Uncle saw a spirit that day in Ba Sing Se," Zuko said. "It must have been one of you..."
"Indeed," Zentai nodded. "When I figured out that Weatherbending had been being used maliciously, I quickly reported back to Pokai and Algaion. We have been trying to find uses of it ever since the art was rediscovered."
"That is also why I flew across the skies at the Southern Water Tribe," Pokai said, "which was what Aang saw during the blizzard, Katara."
Katara nodded in understanding. "So, this is a spiritual issue," she whispered. "Aang, you were right all along..."
Aang nodded, albeit not happily. "I guess so...I wish I was wrong though."
"You may wish it was fiction all you so please," Algaion said with a sharp tone. "What it is though is all fact, and we now have this problem on our hands. Aang, Katara, Zuko, the fate of their world rests in your hands. You are the only three members of Team Avatar capable of engaging the Meteorologists in a Weatherbending fight."
"However," Zentai said. "That is not to say your other friends are not important. Regardless of them not being able to manipulate the weather, their skills are just as important to your survival and claiming victory over the Meteorologists. You will need everyone to get this done."
"The master you seek," Pokai said. "We don't know much of. However, what we can tell you is that he is in your world under unusual circumstances. He is a Firebender who broke free from the Meteorologists. You will find him when your journey reaches a tough point."
The three young people gasped.
"What do you mean, tough?" Zuko asked.
"You will see," Zentai said. "Your journey to stop these evildoers will not be easy, but when the time comes, your master will reveal himself to you."
"This man," Algaion said, "will save you from a perilous situation. At that point, that is when the revelation will come. I cannot say what this situation is, but, you will know it when it happens."
"We wish you the best of luck during your journey," Pokai said. "Before you go, however, we must take care of the original task we brought you here for. You shall now be enlightened with the knowledge of the art of Weatherbending!"
The three masters made their way in front of the people who represented them. Algaion came up in front of Aang, Pokai in front of Katara, and Avatar Zentai in front of Zuko.
The elder monk placed his hands on Aang's forehead. "With the knowledge of manipulating weather within Airbending...from changing the flow up the upper air to manipulation of the wind speeds...Avatar Aang of the Southern Air Temple, I hereby enlighten you!" Algaion took a deep breath and, slowly, his knowledge traveled down his chi paths and into Aang.
Pokai did the same thing with Katara. "The knowledge of manipulating weather within Waterbending..in terms of controlling the moisture and precipitation...Sifu Katara of the Southern Water Tribe...I hereby enlighten you!" This act was short, and similar to what happened with Aang and Algaion.
Finally, it was up to Avatar Zentai to perform the same act on Zuko. "May Weatherbending within Fire be with this young man. The art of temperature control...Fire Lord Zuko...you are hereby enlightened!" The knowledge took the same pathway as it did between the other masters.
After this was done, Avatar Zentai enlightened Aang with the other forms of Weatherbending, as he was the Avatar, thus being capable of all other forms. This process took nary a minute.
After it was all done, the three appeared confused.
"So, wait, did anything actually happen?" Zuko asked with a skeptic tone.
"Actually, yes, something did happen," Zentai said. "We have enlightened you with the knowledge of Weatherbending. You are now capable of performing the moves related to it. That's how it used to be when we were first introduced to it, before people began learning the art for themselves."
"Like we said, however," Algaion said, "you still need to encounter your master and do your training. That is the only way you will master every technique and be able to defeat the Meteorologists."
"Only then," Pokai finished, "will the world be back in a state of balance. Your task is not an easy one, as I'm sure you understand."
"Make no mistake about it, the Meteorologists are extremely powerful....but you must be careful not to overuse Weatherbending," Zentai said.
"Well, if we need to use it so much," Katara wondered, "why are you telling us not to 'over' use it?"
"Because, what the Meteorologists do not know, is that if taken too far, Weatherbending can cause irreversible effects on climate," Pokai explained.
"When the Northern Tribe attacked the Earth Kingdom using precipitation control, the world was fortunate that no severe drought was encountered," Algaion said.
"The effects of Weatherbending moves, if powerful enough, could take weeks or even months to wear off," Zentai warned. "I would expect what was done in the Fire Nation and in Ba Sing Se could possibly take a month to undo. Any more Weatherbending done in those areas could make the extreme cold or heat stick around for the long-term."
"Well, it looks like we know what we're up against," Aang said. "We have got to stop them before they cause irreversible damage to the world's balance."
"From this point onward, we will be spiritual guides for all of you," Zentai smiled. "If you ever need to talk to us, Aang, you will be a medium to help them there. Now, go on, you may explain all that is happening to your friends. As we said, although they cannot perform Weatherbending, they will be just as needed."
The three nodded and bowed before the masters of Weather.
The next day
The three returned to the mortal world and gathered up the rest of Team Avatar.
"Bear with us, guys, what we are about to explain is going to tell everything as to what is going on," Aang said, a look a seriousness shaping his face.
"Well, what is it?" Sokka asked.
"Guys...there is a group out there that's responsible for what happened," Aang said. "They are called the Meteorologists, and they have mastered the art of Weatherbending."
"Weather-WHAT!?" Sokka yelled out in shock.
"Yep, that's the art I told you about...people can manipulate the weather around us," Aang explained.
"Geez, and I thought Energybending was freaky enough," Toph shook her head. "Now people can change the weather?"
"That's right," Katara replied. "Airbenders, Waterbenders, and Firebenders can do this."
Toph dipped her head in disappointment, knowing that Earthbending was not a part. "Oh..."
"Don't think this means you guys are off the hook though," Zuko addressed them. "Just because Aang, Katara and myself are the only ones capable of it, doesn't mean the rest of you are un-needed."
"Zuko's right," Aang followed up. "Just like when Sozin's Comet came, we will need all of you to get this done. The Meteorologists are dangerous, and everyone has to have a role here."
"But wait," Ty Lee said. "How will you learn Weatherbending?"
"That's the hard part," Katara responded.
"The spirits told us," Aang began, "That there will be a person who is apparently here under mysterious circumstances. He is the person who will be able to teach us."
Suki looked worried. "Where can we find him? They didn't say?"
"I'm afraid not," Zuko said, looking somewhat downbeat. "All we know is that he will reveal himself to us in some sort of perilous situation."
"Perilous?" Sokka wondered out loud. "Not good..."
"All we know for now," Aang said, "is that we will have to set out on a journey to find this guy, and then bring down the Meteorologists. It won't be easy, but we have to learn Weatherbending, since they utiilize it."
"We should set out as soon as possible," Zuko said. "Who knows what they are all up to."
"All right!" Sokka exclaimed. "Get ready world, Team Avatar is back! Water! Ear--"
Toph punched Sokka in the arm. "We got it the first time you did it, Captain Boomerang!" She referenced the time Sokka pulled the same act on Ember Island, just days before Sozin's Comet arrived.
The team packed up all their belongings onto Appa and prepared for their journey. Everyone was coming along. All the meanwhile, Zuko appoined General Tizou to oversee the Fire Nation while the Fire Lord was away.
As Sokka said, Team Avatar was back.
Some things though, were unavoidable.
Team Avatar was about to learn...
The hard way.
Meteorologist headquarters
A day after Team Avatar set out on their journey, the Meteorologists convened.
"My sources tell me that Team Avatar is heading south from the Capital," Ezan said. "I believe they are now seeking out Reeaki."
"What!?" Zorro shouted out and pounded the table. "Does this mean they now know of Weatherbending?"
"They would have to," Ezan said. "Otherwise they wouldn't seek him out. Perhaps they learned from those spirits we read about in the spirit library."
Zorro buried his head in his hands as he shook it. "That was not what I was hoping for."
"Why is this so bad?" Kianna asked. "If we get them at their strongest, we can say we beat them at their best."
"We need them when they're weakest!" Zorro yelled. "If we're going to get our plan properly into action, we need to shut down Team Avatar while they are still weak. Otherwise, the challenge gets that much more."
The group nodded.
"When we defeat Team Avatar," Baktan asked, "how exactly do we go about taking the Fire Nation Capital? They'll have the military waiting to crush a revolt!"
"It's simple, Baktan," Zorro smirked. "All we have to do is use our Weatherbending again and we will leave them hopeless. A little bit of snow might send a shock to their system. Perhaps 3°C is a little on the warm side..."
"So, shall we set out then?" Kianna asked.
"Yes, let us gather our belongings and begin our journey. It is time to end Team Avatar once and for all," Zorro nodded and grew a poisonous look, as if setting his sights on the heroes right there.
Author's notes
Yep, if you didn't get it then, Reeaki is going to be Team Avatar's Weatherbending master. You just got a spoiler. Heh, I was in a kind mood when I wrote this. ^^"
So the mission starts. Oh, chapter five...prophecies may be fulfilled.
See more
For the collective works of the author, go here.


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Quarterback Michael Vick said Buffalo and Cincinnati initially seemed like better opportunities than Philadelphia after he was released following nearly two years in federal prison.
"I think I can say this now, because it's not going to hurt anybody's feelings, and it's the truth ... I didn't want to come to Philadelphia," Vick told GQ.
While the Eagles had Donovan McNabb and Kevin Kolb, the Bengals and Bills presented better opportunities to play, and potentially earn the starting job. Buffalo had Trent Edwards and Ryan Fitzpatrick, although the Bengals are a curious mention considering the presence of Carson Palmer at the time.
"Being the third-team quarterback is nothing to smile about," Vick told the magazine. "Cincinnati and Buffalo were better options."
However, a meeting with Commissioner Roger Goodell and other representatives helped convince Vick that Philadelphia was the right situation.
"And I commend and thank them, because they put me in the right situation," Vick said.
He credits the Eagles for not trying to change him, and allowing him to develop into an elite quarterback.
The story was written by Will Leitch, who also talked to Vick about the dogfighting ring that ultimately landed him in prison for 21 months.
"(The media is) writing as if everyone feels that way and has the same opinions they do. But when I go out in public, it's all positive, so that's obviously not true ... You got the family dog and the white picket fence, and you just think that's all there is," said Vick. "Some of us had to grow up in poverty-stricken urban neighbourhoods, and we just had to adapt to our environment. I know that it's wrong. But people act like it's some crazy thing they never heard of. They don't know."
In an excerpt of the interview leaked to Deadspin, Leitch asked Vick if white people don't understand that aspect of black culture.
"I think that's accurate," Vick responded. "I mean, I was just one of the ones who got exposed, and because of the position I was in, where I was in my life, it went mainstream. A lot of people got out of it after my situation, not because I went to prison but because it was sad for them to see me go through something that was so pointless, that could have been avoided."Report Typo/Error
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Oprah's Kardashian Interview: 5 Things We Learned (PHOTOS)
While the Keeping Up With the Kardashian crew is pretty much an open book, living their lives out on reality TV, Oprah Winfrey dug deep and got the answers their fans (and critics) have been dying to know.
Here are the top five things we learned during the interview.
1. Kim went into a depression following her divorce from New Jersey Nets player, Kris Humphries.
"I was in such a deep depression I thought I was going to back away from it all," said Kim, 31. "You know when you just have that feeling that he's the one? When we moved in, I had the feeling he was not the one."
When Winfrey pressed the reality star about the wedding being a publicity stunt, Kardashian denied the claim.
"If anything, the tough decision to end that relationship was such a risk of losing ratings, losing my fan base, but I had to take that risk for myself," said Kardashian.
2. Despite the short marriage, Kim has no ill-will toward her ex-husband.
"He's a good person. I will always have a place in my heart for him. It just wasn't for me," said Kim.
3. The Kardashians are not comfortable being thrust into the spotlight.
"I still am not comfortable being famous," said Kourtney, who is pregnant with her second child to boyfriend Scott Disick.
Oprah retorted: "Nobody would believe the Kardashians aren't comfortable being famous."
Younger brother Rob swooped in, adding: "I hate the word [celebrity]. Sounds like you're talking about yourself arrogantly."
4. The Kardashian clan sticks together — and love having their mom, Kris Jenner, as their manager.
When asked if Jenner was "pimping out" her children, Kim responded:
"We have to hire a manager, why not hire our mother? No one will fight harder for you than your own mother."
5. Kim Kardashian, who is dating rapper Kanye West, wants to have kids.
"I want babies. I want my forever, and I want my fairytale," she told Oprah.
"And now I just love that I'm with someone that's a couple years older than me," she referred to her 35-year-old beau. "For what I've been through I am that changed person, just from my own experiences."
Next Sunday night, June 24, OWN will air the second part of the interview, which will feature Kim's candid comments about her relationship with Kanye West and sit-down interviews with Khloe and her husband, Lamar Odom, as well as Kourtney and her boyfriend Scott.
What did you think of Oprah's interview with the Kardashians? Tell us in the comments.
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Rp 790.600Cek harga termurah
Bagaimana kalau anda bisa mendapatkan harga diskon Kethi Lodge Maldives? diskon 30%, 50%, atau bahkan 70%? Tentu penawaran yang sangat baik yang akan membuat pengalaman menginap di Kethi Lodge Maldives menjadi lebih menyenangkan.
Klik disini untuk mendapatkan harga promo Kethi Lodge Maldives, anda pasti akan terkejut menemukan seberapa besar anda telah berhemat. Penawaran sangat terbatas, pastikan anda tidak kehabisan.
Agoda Rating: 8.5 | Hotel Grade: 2 Star
Kethi Lodge Maldives is perfectly located for both business and leisure guests in Maldives Islands. Both business travelers and tourists can enjoy the hotel's facilities and services. Take advantage of the hotel's taxi service, wheelchair accessible, private check in/check out, photocopying, postal service. Guestrooms are designed to provide an optimal level of comfort with welcoming decor and some offering convenient amenities like internet access – wireless (complimentary), non smoking rooms, air conditioning, wake-up service, desk. Recuperate from a full day of sightseeing in the comfort of your room or take advantage of the hotel's recreational facilities, including diving, fishing, garden, water sports (motorized), water sports (non-motorized). Friendly staff, great facilities and close proximity to all that Maldives Islands has to offer are three great reasons you should stay at Kethi Lodge Maldives.


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9669 Harbour Cove Court, Ypsilanti 48197
See more homes for sale in Ypsilanti, MI
This property has been Sold!
08/03/2016 at $47,000
Perfect for year round living or are you looking for a weekend retreat? This spacious fully functional studio living condo with Lake Front is just for you. Fantastic views of All Sports Ford Lake from your fresh neutral dcor living space and patio area. The Galley kitchen has room for more than 1 chef. Wake to views of ducks and the sounds of birds. The community deck is great for socializing, make use of the the bbq area and pool. Do you need a Home away from home? There is a boat slip for your boat as well. This place is for you!
Property Information
- Total Finished SqFt
- 489
- Above Grade SqFt
- 489
- Garage Desc.
- Carport
- Water
- Public
- Sewer
- Public
- Year Built
- 1974
- Home Style
- Ranch
School Information
- School District
- Lincoln Consolidated
- Elementary School
- Lincoln
- Middle School
- Lincoln
- High School
- Lincoln
- Summer Taxes
- $872
- Winter Taxes
- $336
- Association Fee
- $121
Rooms and Land
- MasterBedroom
- 1st Floor
- Dining
- 1st Floor
- Kitchen
- 1st Floor
- Living
- 1st Floor
- Basement
- Cooling
- Central
- Heating
- Forced Air, Gas
- Appliances
- Dryer, Range/Oven, Refrigerator, Washer
- Interior Features
- 1st Floor Master
- Exterior Materials
- Frame, Wood Siding
- Exterior Features
- Deck, Dock
Listing Video for 9669 Harbour Cove Court, Ypsilanti MI 48197
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Listing Courtesy of Re/Max Platinum
Office Address 325 W. Eisenhower, Suite 200
Listings last updated: . Some properties that appear for sale on this web site may subsequently have been sold and may no longer be available.
Our Michigan real estate agents can answer all of your questions about 9669 Harbour Cove Court, Ypsilanti MI 48197. Real Estate One, Max Broock Realtors, and J&J Realtors are part of the Real Estate One Family of Companies and dominate the Ypsilanti, Michigan real estate market. To sell or buy a home in Ypsilanti, Michigan, contact our real estate agents as we know the Ypsilanti, Michigan real estate market better than anyone with over 100 years of experience in Ypsilanti, Michigan real estate for sale.
The data relating to real estate for sale on this web site appears in part from the IDX programs of our Multiple Listing Services. Real Estate listings held by brokerage firms other than Real Estate One includes the name and address of the listing broker where available.
IDX information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Provided through Ann Arbor Association Board of Realtors. © 2017 Ann Arbor Associate Board of Realtors Ltd. shareholders.


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Last Updated Jun 21, 2010 8:11 AM EDT
Are you looking for a loan modification?
If you're like the nearly 600 people who have left comments on my Loan Modification Hell: Join The Club post, you know that for many Americans, trial loan modifications are like a joke without the punch line.
Millions of Americans are in need of a loan modification, either because they've lost their jobs or had a forced paycut. And yet, just a tiny percentage of those who have been put into temporary loan modifications, has had their loan modification made permanent.
The Obama Administration continues to feed the line that more borrowers haven't been converted from temporary loan mods to permanent loan mods because they haven't provided all the necessary paperwork, or haven't been honest about what they really earned, or haven't made all of their payments on time.
Sure, some borrowers fall into that hole. But I'm guessing it's not the vast majority of borrowers who are in trouble.
Meanwhile, tomorrow the Obama Administration launches its new rules for HAMP loan modifications. The biggest change is that homeowners will have to prove their income before being put into a trial loan modification. Borrowers will have to provide:
- Request for Modification and Affidavit (RMA) Form (which provides the loan servicer with borrower and co-borrower financial information including the cause of the borrower's hardship")
- IRS Form 4506-T or 4506T-EZ (which gives lenders permission to pull electronic copies of the borrowers tax return)
- Evidence of income (which could be two paystubs - I'll provide more information about what counts as income in tomorrow's post.)
The loan servicer must review the Initial Package within 30 calendar days of receipt to make sure it is complete. If the documentation is incomplete, the servicer is supposed to immediately contact the borrower. But, if the package is complete, then the servicer must either send the borrower a Trial Period Plan Notice, or decide the borrower is not eligible.
Perhaps best of all, if you get put into a Trial Period Plan Notice, under the new rules, the loan servicer is prohibited from initiating a foreclosure action.
Is this plan going to help borrowers avoid foreclosure on a wide scale? Probably not. But if it helps even a few thousand, it's worth it.
What do you think?
If you apply for the program under the new rules and regs, please leave a comment letting us know what happened to you and whether you felt the new rules helped or hurt you.
Read More:
- Loan Modification Hell: Income Requirements For New HAMP Rules
- Loan Modification Hell: The Horror Stories Continue
- Real Estate Values: Does Your Home Value Matter If You're Not Selling Or Refinancing?
- Mortgage Rates Hit Record Low While Purchase Applications Plummet
- Mortgage Interest Rates Could Hit Rock Bottom Today
- Strategic Defaults Increasing As Homeowners Choose Not To Pay Their Mortgage
- Foreclosure Coming? Perhaps You Should Bulldoze Your House
- Are You In Loan Modification Hell? Join The Club
- Underwater? Maybe You Should Walk Away from Your Mortgage
- Will.i.am Saves Two Families From Foreclosure
Ilyce R. Glink is the author of several books, including 100 Questions Every First-Time Home Buyer Should Ask and Buy, Close, Move In!. She blogs about money and real estate at ThinkGlink.com.


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Homage To Rajesh Khanna, The Superstar, On His 74 th Birthday
Rajesh Khanna was crowned as a 'superstar', at the age of 28, for his dedicated and superb performances that he displayed on the silver screen. He achieved a fame that no film star had ever experienced
Rajesh Khanna has several hits, including Anand, Amar Prem and Namak Haraam. Rajesh Khanna, the 'undisputed king' of Hindi cinema, was the only actor in Bollywood to have tasted super-stardom.
Rajesh Khanna would have turned 74, on Thursday, had he been alive. Interestingly, his actor, author and columnist daughter, Twinkle Khanna, shares her birthday with him.


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Brown Rice
READY IN: 1hr 20mins
Recipe by Girl from India
A nice variation rice recipe tha goes well with Lentil and Meat curry(Dal Ghosh or Dhansak). Prep time includes soaking time
Top Review by Charishma_Ramchanda
This was wonderful! I made this for dinner yestrday and it went very well at home. I did use a cup of defrosted greenpeas, 1/4 tsp. of red chilli powder, 1/2 tsp. of turmeric powder and a few strands of saffron as well. We loved this with plain yogurt on the side. Thanks so much for a good and simple recipe!
See Discussion:1 Review
Ingredients Nutrition
- 2 1⁄2 cups basmati rice
- 2 tablespoons ghee
- 1 small onion, chopped
- 2 cinnamon sticks
- 8 cloves
- 8 peppercorns
- 4 black cardamom pods
- 2 bay leaves
- 1 teaspoon cumin seed
- 1 teaspoon sugar
- 1 teaspoon sugar
- salt
Directions See How It's Made
- Wash rice and soak in water for around 1/2 an hour Drain and set aside Heat ghee in a vessel and add the onions.
- Fry till they are translucent and add the whole spices and bay leaves.
- Fry now till onions are golden brown Now add the cumin and sugar and let the sugar caramalise (be careful not to burn the sugar) Add the drained rice and mix well till the rice is well coated.
- Then add 5 cups of boiling hot water and salt.
- Lower heat and cover pan and cook till water is absorbed and rice cooked.


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I reallllllly want another ear piercing, but my mom said no. by the way this is an Indian mom so obviously they say no. she said I could have a nostril piercing but honestly I don't want that, it would change a lot to my face and it is kinda tradition to get one, but she strictly said no, and if I mention it again then she won't buy me anything I want ever again. Any advice?
I really want a piercing but my mom won't let me?
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I would just leave it alone until you are able to make those decisions on your own. It seems annoying for her to say no now, but just give it time. :) hang in there.11|00|0
It's still not fair.
Listen to your mom. Her home, her rules.00|00|0
If I wanted that opinion, I would tell u. But I didn't so tell me something more useful other than that.
Sweetheart, there isn't anything more useful. It's her home. She makes the rules. That's the reality of it. What kind of answers did you want? That we would hold your mom hostage until she agrees to let you do something she's not okay with? Would that make you feel better? If you don't want an honest answer don't ask the question, especially not one with such a black and white answer
Wait until you're 18.00|00|0
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Here at Flexible Solutionz, we know you are our biggest asset. This is why we take the time to familiarise ourselves with your circumstances, skill-set and knowledge, taking time to understand you and the direction you want to go before we start sending out your CV. We want to ensure we find you a role that is going to satisfy your requirements as well as our clients.
The Flexible Solutionz team are specialists within their sectors, each member has been hand picked for their individual talent, methods, personality and ability to match the right candidate with the right role. Whilst we are supported with the right technology and database systems we always strive to maintain our friendly personable approach.
We believe that honesty is the best policy and we will keep you informed throughout the recruitment process, something we thought was lacking from other suppliers. We also strive to be approachable and easy going, we won't push you into jobs you're unsure about, another common error by our so called 'competitors'.
If you'd like to talk to us about a potential move, the current job market, or are actively looking for a new role feel free to get in touch for a relaxed and confidential consultation.
Our recruitment service is 100% tailored around YOU.
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Our approach is not one of volume and pace, our ethos is to ensure we meet the needs of the client, YOU! We adapt to the way you want to work. Not only do we listen to, and understand, your job requirement we also listen to how you want to manage the process.
We will not bombard you with CV's, we will carefully select candidates that meet the criteria and send over only those that are going to be of interest.
The fact we are independently owned also means we have the flexibility to negotiate our terms and fees in the interests of future business.
Ultimately we provide a professional service, we listen to your needs, understand your requirement, manage the process and have the flexibility to adapt to your limitations. We want to ensure that the experience is painless and simple, to the extent that next time a vacancy is identified Flexible Solutionz are the first company you call.


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Science – All the concepts, theories, practices fall into one major group called science. Accumulation of knowledge pertaining to various fields like Physics, Biology, Mathematics, Zoology, Geography etc is science. We will try to present all these forms of science in various posts and create a science encyclopedia. Explainstuff.com is a science website with a science blog. We try to maintain our content related to science stuff.
Science is divided into a few categories like Applied Science, Experimental Science, pure science etc. Each of these need to be explained separately. This post just concentrates on what and how science must have come into existence from the author's perspective.
Read more….


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DLF had sales booking of Rs 3,760 crore for the first nine months of FY13-14, at a time when other developers, including Unitech, HDIL, Oberoi Realty and Godrej Properties, are not finding enough buyers, making them post a declining number for properties sold, a Business Standard report said.
Cheering the news, shares of company gained as much as 2.28 per cent to trade at Rs 147.75 a piece on the BSE. In a similar fashion, shares of the company climbed 1.17 per cent to Rs 146.70 a piece on National Stock Exchange.
Meanwhile, the broader benchmark Sensex was quoting at 20,445.99, up 79.17 points or 0.39 per cent at 9:40 hours.
Dion Global Solutions Ltd.


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Celebrating Park(ing) Day 2010
Park(ing) Day, the worldwide event where artists, activists and architects take over parking spaces and transform them into public spaces, happened this week. Wired has pictures from this year's festivities.
Keith Barry writes:
"Over 50 spaces in New York City alone became miniature public parks, with participants tweeting and checking in on Foursquare. In Paris, the festivities lasted for two days and included bicycle tours of the different parks. And in Brisbane, knitters made trees and grass from yarn."
Wired has pictures from L.A., Poland, Indianapolis, and more.


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Etable is laptop table, which is attached with 2 cooling fans and has extra space for mouse pad. The latest technology is made up from flexible plastic and metal, which is tiny and light in weight. It is portable and can carry anywhere. By an amazing Etable laptop table you can finished your work on bed, sofa, car and train.
It is a latest technology which helps to provide easiness in your life. There are lot of products available in market, these are Etable, Table Mate and Hlife Table. All products are portable and movable. You can choose as well as your demands and can adjust it on different height & shapes.
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Tickets: order online here
$15 in advance / $18 at the door
More info: 905-885-4216 or 1-855-713-9310
Tickets also available at: Acanthus Interiors, Furby House Books & G Facey, Port Hope
William Street Beer Co & Zap Records.
The (Valentine) Swing Dance with Big Rude Jake was a huge success!
And the winner of the Best Buy Digital Piano for the best pictorial tweet to #pohojazz during the Festival is: ALASDAIR GILLESPIE
Want to get up in our grill (a.k.a. personal)? Join our e-blast for direct news from the boardroom.
Copyright © 2017. All Canadian Jazz Festival


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We help you find a Garve lute teacher. Lute tuition are a great way to begin an entertaining new hobby, acquire a new talent and gain confidence with lute. Try our site to find Garve lute teachers and determine which best suits your needs so you can begin your lute lessons in Garve today!
This is the fastest way to contact Garve lute teachers in the UK, helping you find Garve lute lessons close to you and Garve teachers to help with any instrument like piano, violin or guitar. We can help you find Garve lute tuition or a Garve lute tutor to prepare for lute exams and improve your lute skills! Our search will order Garve lute tutors near you by their lesson prices and proximity to you.
If you are a lute teacher wishing to offer your lute lessons in Garve or anywhere else across the UK, please register with First Tutors: Music or learn about us here. Becoming a Garve lute tutor is a great way to re-affirm your own knowledge through giving lute tuition while helping others, all in the Garve area!


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I will be meeting with the owner next week. We haven't discussed prices yet. She rents by the hour and also by the month. Downtown Orlando.
There are a total of five that will be using the kitchen.
1- makes candies
2- makes salsa
3- makes hummus
4- makes biscotte (sp?)
5 - would be me to make cakes and cookies
Final inspection by the health dept is tomorrow. What are some things I should consider? I am so very new at this and want to do this badly.
I would greatly appreciate any advice or words of wisdom/caution. I know that God has His hand in this.
Thank you for always helping me get it right. Everyone on CC is the best group of people I have ever met.
Best of luck to you!
Make sure you get all details in writing. Things to consider: hours and days of operation, i.e., closed for any holidays; do you need to carry premises liability insurance; any other insurance coverage; storage space security; ingredients and equipment storage; refrigeration. Do you feel comfortable negotiating the price? When the price is quoted, would you be able to ask if her if she would accept a lower amount? Something like this: The space rents for $500 per month. Is it negotiable? or Would you consider $450?
If you can, speak to an attorney before you finalize anything.
Congratulations! Sounds like you have a great set-up. Have you guys thought about who will have the kitchen at what times and for how long?
I am meeting with the owner tomorrow. Should I rent by the hour or by the month? What kind of prices should I expect? Will she even give a rip of who I am or what I can do or should I be prepared with a portfolio and references (which I have).
Gosh darn it, I just don't know what to expect. Who has the upper hand (so-to-speak) in this situation? Is it fair to ask for a better rate? or are there soooooo many people looking to rent commercial space that I am a dime a dozen.
Stupid question. Should I take in a tasting of what I bake? What should I wear. This is so dang important to me I just want to do it right.
Thanks for allowing me to be wordy.
How is the time scheduled, since you are sharing it with 4 other people? Is it first come first serve? Most of your orders will be for the weekend (I'm assuming) so you'll most likely need the space Thurs and Friday. Is that a conflict with anyone else?
Will you have your own key or are you dependent on someone being there to let you in?
Hourly or monthly? Depends on your volume. Just for an example, let's say $500 monthly or $25/hour. $500 buys you 20 hours at the $25 rate. Do you think you'll use more than 20 hours of time? That's just 5 hours a week. If you think you'll use less than 20 hours a month, then go hourly. If you'll use more than 20 hours, go monthly. Do the math when she gives you the number, and know what your volume will be and your time requirement will be.
I wouldn't worry about taking food samples unless you take them just as a "Hi, I"m being a nice new neighbor!" type of thing. I didn't bring cookies to the realtor when I looked at commercial spaces to rent.
I love you. You give advice so freely and if I should be as fortunate as you I would "pass it on"
Thank you from the bottom of my heart.
I wished you lived here and I could be your understudy.


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This article is a stub, an article too short to provide more than rudimentary information about a subject. You can help Pro Wrestling Wiki by expanding it.
Andy Harner is an American professional wrestler.
In wrestling
- Finishers and signature moves
- Shooting Star Press
- Nicknames
- "Unbreakable"
- Teams and stables
- A-Team with Aaron Arbo


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Just curious, do you all have their calendar on your wall? For everyone who's groaned inwardly through a week of team-building camp, let me present my favorite optimists: www.despair.com
6 Replies
Aug 12, 2008 at 9:25 UTC
These are hillarious!! ;)
Aug 12, 2008 at 11:05 UTC
The school I was at to learn the IT trade, as well as the company I'm currently working for, has the motivation posters up on the walls. I've always wanted to take one or two of the demotivator posters and replace some of the ones here to see how long it takes before people notice. :-)
Oct 3, 2012 at 11:53 UTC
I love these things! great post!
Oct 4, 2012 at 9:49 UTC
- is an IT service provider.
The only calender i'll ever need.
Oct 5, 2012 at 8:36 UTC
I checked it out. Could be quite funny for some.
Oct 5, 2012 at 9:19 UTC
I enjoy being reminded of Despair lol.
Also been tempted to replace a few of the "cheesey" motivational posters I've seen.
This discussion has been inactive for over a year.
You may get a better answer to your question by starting a new discussion.


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Scoop: CRIMINAL MINDS on CBS - Wednesday, July 30, 2014
"200" - When JJ is kidnapped, the BAU delves into her time at the State Department to find clues to her disappearance and uncover a secret mission that now puts her life in danger. To help with their search for JJ, the team calls upon Prentiss to help in the crisis, on the rebroadcast of the 200th episode of CRIMINAL MINDS, at its new time, Wednesday, July 30 (9:00-10:00 PM, ET/PT) CBS Television Network. Paget Brewster returns as Emily Prentiss. Also returning are Jayne Atkinson as Erin Strauss, Esai Morales as Section Chief Mateo Cruz, Josh Stewart as JJ's husband, Det. William LaMontagne, Jr., and Nicholas Brendon as Kevin Lynch. Debrah Farentino guest stars as Undersecretary Rosemary Jackson. (Originally broadcast 2/5/14.)


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By John Stroud for the Post Independent - email@example.com
After honing her librarian skills in one of the most highly regarded public library systems in the country, Laurin Arnold is busy applying her knowledge as the new Glenwood Springs Branch Library manager.
Arnold, who spent the past 12 years in the 22-branch Columbus Metropolitan Library System in Ohio, has been on the job in Glenwood for a little over a month.
She was selected to succeed former Glenwood branch manager Sue Schnitzer, who left at the end of last year to take a manager's position with the Memphis, Tennessee, public libraries.
Though she came from a big-city library system, Arnold said she was attracted not only to the area but by the small-town, personable approach that the Garfield County Public Libraries took in interviewing and ultimately hiring her.
"I could tell that Jesse and Amy were really passionate about the libraries and really invested in it, and that means a lot to me," Arnold said of Garfield Library District Executive Director Jesse Henning and Assistant Director Amy Shipley.
Coincidentally, Henning also came from the Columbus area, working in the neighboring Westerville libraries before heading west and eventually taking the executive director's position for Garfield County Libraries.
Arnold had even done some work with Henning's wife, Carrie, on the Columbus area Reference and Information Services Division Action Council, but she didn't know Jesse directly.
Aside from the mountains and the awesome beauty of western Colorado, Arnold said she was also attracted by the dedicated staff at the Glenwood Springs branch and the other district libraries.
"The fact that they were involved in my interview is another thing that really impressed me and that they have a say in who they get to work with," Arnold said. "That's a great mindset for the administration to have.
"Obviously, they are very dedicated and work very well together, they enjoy their jobs, and you can see that in the way people respond to the libraries," she said.
Read the full article at the Post Independent (originally appeared in print on Wednesday, April 12, 2017.)


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Author | exchange4media News Service | Monday, Feb 04,2008 7:32 AM
INX News Pvt Ltd has appointed Arup Ghosh as its Newsroom Head. Prior to joining INX News, Ghosh was running a consultancy firm called Network 1 Media Consultancy, which launched an Asian community channel in the US called STV.
With over 25 years' experience in print and TV journalism, Ghosh has held senior positions at television news companies, including NDTV, Sahara Samay and Channel 7. Prior to that, he spent 13 years working for the leading newspapers of the country, including The Times of India, Hindustan Times and The Statesman.
Indrani Mukerjea, Chairperson, INX News, said, "I am delighted to welcome Arup to the INX family as the Newsroom Head, and I am sure he will add immense value to the company. We will also shortly announce the appointment of our Editor-in-Chief."
Ghosh said, "I really look forward to working with the team at INX. This is the perfect time in the industry to raise the bar where the English news genre is concerned, and I am very happy to be a part of the team who are committed to doing this."
Ghosh's career in television began in 1995 with NDTV, where he worked on shows such as 'News Tonight' (for DD) and 'Index' (for Zee), and subsequently anchored news bulletins on the premier breakfast show 'Good Morning India' on Star Plus.
As part of the senior core team that launched Star News in India, Ghosh worked for the channel as an anchor and special correspondent (politics) for over six years.
As Channel Head of Sahara Samay Rashtriya, Ghosh launched the national channel and provided the blueprint and support base for the launch of four other regional news channels by the Sahara group.
After Sahara, Ghosh moved to Channel 7 as Director-News (Channel Head), to launch the 24-hour news channel for the Dainik Jagran Group. This channel was launched in four months, one of the fastest launches ever in India, with programming that spanned crime, sports and entertainment shows. Ghosh has also been associated with Zee News as a presenter for a current affairs show besides the 2001 Assembly elections.
Programming HeadRadio Mango


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Backup school: Quiz three, answer four
Backup school: Quiz three, answer four
This Article Covers
Data management tools
Looking for something else?
All of these are reasons to use multiple backup servers, EXCEPT?a. Simultaneous restores
b. So you can have multiple backup windows
c. To restore one server at a time
d. To adhere to the five tape limit
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The correct answer is:
c) To restore one server at a time. In fact, Dorian says doing this "is as dumb as it gets."
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Coach Luke Beveridge isn't worried about Western Bulldogs' recent poor record in Perth, saying his AFL side won't focus on that trend, the venue or a raucous crowd on Thursday night.
The Bulldogs have lost their past seven clashes in Western Australia, with the most recent being a 20-point loss to Fremantle in the final round of the regular season.
The stretch includes four lopsided defeats to West Coast, who they face in an elimination final.
"We don't talk about that," Beveridge said of his side's losing streak at Domain Stadium.
"But that parochial home-ground advantage is there. Let's not dodge around the fact that there will be a pretty boisterous West Coast Eagles fan base and we'll have to deal with that.
"We'll have to manage that and there are ways to do that.
"I don't think our players will be nervous about making mistakes. I don't think our players will be conscious of the crowd too much."
The Bulldogs' away form has been reasonable since Beveridge started his reign in 2015.
Notably the Dogs have defeated minor premiers Sydney in their past two trips to the SCG, while this year they pipped Port Adelaide by three points at Adelaide Oval.
"We probably won't talk about that but it's there in the memory banks," Beveridge said.
"That helps with your belief levels … the boys will draw on some of that in their preparation."
The Bulldogs have opted against training at Domain this week and instead plan on having a light run at the WACA.
Most players are flying out a day later than usual and will arrive on Wednesday afternoon.
"There's a couple of things that are different. Not as a knee-jerk reaction (to losing to the Dockers a fortnight ago)," Beveridge said.
"Our of necessity more than anything, in timing our run to the game."
Beveridge insisted belief wouldn't be an issue for the Bulldogs, who have been widely tipped to exit the premiership race in week one of the finals.
"We know that it's going to be hard for West Coast to beat us … we'll go in thinking we're as good as anyone in the eight," he said.
Beveridge is expected to recall Tom Liberatore. Jack Macrae, Easton Wood, Jordan Roughead and Jake Stringer amid five changes to the side that lost to Fremantle.
* R23, 2016: 20-point loss to Freo
* R21, 2015: 77-point loss to WC
* R1, 2014: 65-point loss to WC
* R6, 2013: 70-point loss to WC
* R15, 2012: 38-point loss to Freo
* R9, 2011: 123-point loss to WC
* R5, 2011: 7-point loss to Freo


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God damn it, Oda, you have once again outdone yourself. Chapter 623 has to be by far the most sobering chapter I've read. This even beats out Ace and Whitebeard biting the dust. Tiger, you stupid bastard. You could have lived, you stubborn twit! Why didn't you just swallow your pride, you fool. I can't believe everyone thought you were a hero. You're a bigger liar than Usopp!
And Strawberry, you manipulative jerk. Guess who my new least favorite vice admiral is?
Tiger didn't break into Mariejois, he broke out. It's Impel Down only on dry land and 10,000 feet up.
And Koala, you now look even more familiar since you got cleaned up. That's going to drive me insane. Maybe it's just how her hair reminds me of a young Nico Robin with her mother resembling Olvia. How can a child who's been through so much still look so innocent?
I'll end with this. Borsalino, wtf are you planning? It's bad enough that a hero defamed himself, now we have to deal with this plot twist?


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Question: Refer to the contingency table in Problem 17 that relates
Refer to the contingency table in Problem 17 that relates age and likelihood to buy American. Determine P(45-54 years old) and P(45-54 years old|more likely). Are the events "45-54 years old" and "more likely" independent?
View Solution:
View Solution:
Answer to relevant QuestionsRefer to the contingency table in Problem 18 that relates number of speeding tickets and gender. Determine P(female) and P(female|1 ticket). Are the events "1 ticket" and "female"independent? Find the value of permutation. 7P2 Find the value of combination. 8C3 Suppose Dan is going to burn a compact disc (CD) that will contain 12 songs. In how many ways can Dan arrange the 12 songs on the CD? A combination lock has 50 numbers on it. To open it, you turn counterclockwise to a number, then rotate clockwise to a second number, and then counterclockwise to the third number. Repetitions are allowed. (a) How many ...
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Look at other dictionaries:
GnathothecAE — Gnathotheca Gnath o*the ca, n.; pl. {Gnathothec[AE]}. [NL., fr. Gr. gna qos the jaw + ? a box.] (Zo[ o]l.) The horney covering of the lower mandible of a bird. [1913 Webster] … The Collaborative International Dictionary of English
Beak — For other uses, see Beak (disambiguation). Comparison of bird beaks, displaying different shapes adapted to different feeding methods. Not to scale. The beak, bill or rostrum is an external anatomical structure of birds which is used for eating… … Wikipedia
gnathic — adjective /ˈɡnæθɪk,ˈnæθɪk/ Of or pertaining to the jaw. 'Want to get an idea of your gnathic index, and that mustache is in the way.' See Also: gnathal, gnathion, gnathite, gnathitis, gnatho, gnathonic, gnathonical, gnathonically, gnathonism,… … Wiktionary
Cranial kinesis — is the term for significant movement of skull bones relative to each other in addition to movement at the joint between the upper and lower jaw. It is usually taken to mean relative movement between the upper jaw and the braincase[1]. Most… … Wikipedia


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Christian Living
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by Thom Mollohan
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There is something dreadfully wrong with our Christianity when it is hardly more than a program affiliation. In a day when Kroger Plus™ cards and Speedway's Speedy Rewards™ (for example) loosely tie us in to various brand name or corporate loyalties, I should not wonder that churches might also be on the verge of issuing such membership cards with "perks" or "rewards" each time a "member" condescends to make an appearance at a worship service.
I will concede that this is exactly what society demands of religion in general. It requires and promotes a nice, quiet civil religion that picks up the slack of helping to clean up the mess that society makes, as well as placating its participants with an overall sense of well-being. But it only tolerates even these contributions as long as religion essentially stays out of the way of culture's pandemonious pursuit of temporal priorities.
Inasmuch as Christians buy into such ideology (or at the very least tolerate it), powerlessness and fruitlessness continually plague the Church (overall and individually). It should not surprise us then to encounter emerging adults who get "fed up" with the games that their elders have played with religion. Seeing that "membership" and participation in church do little to actually influence practical living, many conclude that religion is not satisfying and, worse yet, that God cannot satisfy. They then "bail out", determining to invest their devotion, energies, and time on things that promise to be more rewarding.
Only there isn't anything more rewarding or fulfilling. At least not in any real sense. Not in any way that proves to sufficiently anchor the soul when calamity strikes, when health fails, when our economic means are taken away, when loved ones abandon or reject or abuse, or when our eyes dim as death comes and we slip – ready or not – into eternity.
For religion to truly "work" for those who profess to belong to it, we must meet God. For us to "meet God" – in the here and now – we must seek Him. For our search to be successful, we must come to God on His terms.
"For I know the plans I have for you,' declares the LORD, 'plans to prosper you and not to harm you, plans to give you hope and a future. Then you will call upon Me and come and pray to Me, and I will listen to you. You sill seek Me and find Me when you seek Me with all your heart. I will be found by you,' declares the LORD…" (Jeremiah 29:11-14a NIV, emphases mine).
Therefore, membership in a church, although appropriate, is not enough. Attendance and participation in church (and presumably Biblically sound) events, although essential, is not enough. Going through the motions of spiritual activity is not enough. Giving all that we have and doing all that we can to appease or impress God is not enough (and please don't insult Him by trying).
We must simply come to Him as we are, or better yet, as little children, sick of playing games of pretense that we've learned as adults. We must hunger and thirst for more than mediocrity and truly seek Him. We must be willing to lose all that we have and all that we are in order to possess the "one thing" without which we are utterly lost.
If you have read much of the New Testament, you may have noticed that Jesus had a way of losing followers (see the Gospel of John chapter six, verse sixty-six as an example). Our Lord had a way of thinning out the crowd, so to speak, so that those who wanted "things", might not get in the way of those who wanted God.
"Then Jesus said to His disciples, 'If anyone would come after Me, he must deny himself and take up his cross and follow Me. For whoever wants to save his life will lose it, but whoever loses His life for Me will find it. What good will it be for a man if he gains the whole world, yet forfeits his soul? Or what can a man give in exchange for his soul?" (Matthew 16:24-26 NIV).
So what will it be for you? Will you be a mere member of a church or a true follower of Jesus? Will you seek Him when you have the time or seek Him with all your heart? What will your children see in you? What will they say of you? Most importantly, what does God see in you? What will He say to you when you finally stand before Him when this life is over?
Copyright © Thom Mollohan.
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|"Stephen Colebourne" <scolebou...@btopenworld.com>
|Re: [lang] Ideas for Lang
|Sat, 12 Oct 2002 21:21:26 GMT
From: "Steve Downey" <email@example.com> > I figured out what they are for. > Let's say you have something observing a String, for display or whatever. If > the value changes, you want the new value displayed. The entity doing the > display shouldn't care what the String represents. So if it has a > MutableString, and registers for notifications of changes of the > MutableString, it can update whenever the String changes. > They're kind of like Delegates for properties. > What do you think? And then you'd have a Swing model that binds the MutableString into the GUI seemlessly.... See http://www.joda.org. I've already coded this. Now, I reckon Joda might do with a little simplification, but the basic stuff is there. StringProperty == MutableString IntegerProperty == MutableInteger etc. Swing GUI models written for the basics, text, radio buttons etc. However, I think that the full implications of this are much greater than [lang] should be dealing with. Stephen -- To unsubscribe, e-mail: <mailto:firstname.lastname@example.com> For additional commands, e-mail: <mailto:email@example.com>
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Welcome to the Leon Thomas Wiki, the official Leon Thomas resource.
Welcome to the Leon Thomas Wiki
The site about the American teen actor, Leon Thomas, that anyone can edit.
About Us
Welcome to the Leon Thomas Wiki. Founded in 2012 by DeeMoShow, the website is dedicated to the American teen actor Leon Thomas. The Leon Thomas Wiki is a 100% free website. Feel free to discover, share, and add your knowledge! We currently have 4 articles in English.
About Leon Thomas


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>> Her favorite artists are Stevie Wonder and Wyclef Jean, and she has worked with both of them.
>> Beyonce's favorite food is Popeye's Fried Chicken, and she owns a VIP card to the fast-food chain to eat there for free for life.
>> Before she had her daughter, Blue Ivy, Beyoncé has confessed that she was scared of childbirth.
>> She is allergic to perfume but is the face of Giorgio Armani's new perfume Diamond.


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Published: 2011-06-21 21:12:00
Updated: 2011-06-22 13:28:05
Posted June 21, 2011
Updated June 22, 2011
Raleigh, N.C. — Thunderstorms rolled through several central North Carolina counties Tuesday night, causing large hail, flash floods and dangerous lightning.
A Cumberland County man was struck by lightning shortly before 8 p.m., authorities said. He was taken to Cape Fear Valley Medical Center, but his name and condition were not released.
Severe thunderstorms rumbled through Wake, Johnston, Cumberland, Lee, Harnett, Hoke and Alamance counties until about 1 a.m. Wednesday.
Downpours hammered Hoke, Lee, Cumberland, Moore and parts of Harnett and Sampson counties throughout the evening, said WRAL meteorologist Mike Maze. Some areas got up to five inches of rain, he said.
Several WRAL viewers reported seeing quarter to golf ball-sized hail during the storms.
Boy Scouts clean up storm damage
Earlier in the evening, viewers in several southern counties reported heavy rains, hail and lightning strikes.
Hot, dry and windy conditions throughout the day Tuesday fueled wildfires in Bladen, Pender, Dare and Hyde counties, causing hazy and smoky air conditions in the Triangle.
The fires in Bladen and Pender counties were started by lightning strikes, authorities said.
This story is closed for comments.
I live in Dunn,NC and had dime and quarter sized hail with the storm that came by around 6:45ish last night.


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What is JotForm?
JotForm is a free online form builder which helps you create online forms without writing a single line of code. No sign-up required.
At JotForm, we want to make sure that you're getting the online form builder help that you need. Our friendly customer support team is available 24/7.
We believe that if one user has a question, there could be more users who may have the same question. This is why many of our support forum threads are public and available to be searched and viewed. If you'd like help immediately, feel free to search for a similar question, or submit your question or concern.
Extract entry data from a customer form submission to populate new formAsked by hilltopkennels on August 17, 2015 at 06:30 AM
I have created an online booking form which captures booking request info for my boarding kennels. If their request is successful and we have availability in the kennels (a manual process on receipt of their completed form) We would then like to send them a payment request form which extracts the amount owing data from their previous submission to produce a payment form to allow them to pay the deposit (or greater amount up to the total owed) online.
Is there a way to use a previous form submission to populate a new form?
Many thanks,
JotForm Support
Hi Simon,
You can check this guide on how you can prepopulate a JotForm Form using its URL: https://www.jotform.com/help/71-Prepopulating-fields-to-your-JotForm-via-URL-parameters.
Do let us know if you need more information on this.
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September 26, 2016 @ 9:00 am - 10:30 am
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Adam "The Wizard" Shuman will be at Boca Beauty Academy at 9 am this Monday morning, September 26. He will be demonstrating his popular driCut on a hair model. Come to watch the master at work!
The talented hairdresser has worked with major brand names over the past 25 years. He has taken on salons that welcome products that are eco-friendly.


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Stakeholder input from 60x30TX Regional Workshops held April 2016 through December 2016
In November 2015, Governor Greg Abbott and the Texas Higher Education Coordinating Board (THECB) announced 60x30TX, the state's new long-range plan for higher education. 60x30TX will help to establish an educated and globally competitive Texas workforce by 2030.
The Coordinating Board has been communicating the strategic plan by hosting "60x30TX Regional Workshops" across Texas. The regional workshops that have been held to date were intended to provide a forum for local leaders to exchange ideas and create partnerships to help achieve the 60x30TX goals. 60x30TX is designed to establish a globally competitive workforce in Texas by 2030 by building on the success of the former long-range Texas higher education plan, Closing the Gaps by 2015.
The regional workshops were sponsored by the Coordinating Board with support from Lumina Foundation and the College for All Texans Foundation. The objectives of the workshops were to: 1) review the status of regional/local progress toward addressing higher education challenges, which include improving collaboration and alignment between public schools and higher education, as well as improving college readiness; 2) develop an action plan to improve students' completion of a postsecondary certificate or degree; and 3) create a seamless pipeline among public education, higher education, and the workforce.
As Bill Hammond, executive director of the Texas Association of Business, stated, "The Texas Higher Education Coordinating Board has hit a home run with the 60x30TX plan; no other education plan will impact businesses in a more positive way than this one will."
Should you have any questions regarding the regional workshops that have been held to date, please do not hesitate to contact Dr. Mary Smith at (512) 427-6213 or firstname.lastname@example.com.


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Citigroup cuts 11,000 jobs as Corbat tackles revenue slump
Citigroup's Michael Corbat, who took over as chief executive less than two months ago, will cut more than 11,000 jobs and pull back from some emerging markets to drive down costs as revenue dries up at global banks.
The lender will take a US$1 billion charge this quarter to cover the 4.2 per cent workforce reduction, which includes 1,900 jobs in trading, investment banking and transaction services, Citigroup said in a statement. The bank, ranked third by assets in the US, said it wants to improve productivity in markets businesses such as cash equities where profit is lagging. The stock jumped as much as 8.1 per cent in New York.
Corbat and chairman Michael O'Neill are cutting deeper than ousted CEO Vikram Pandit had planned as the industry's slump in trading and investment banking and stiffer capital rules put pressure on profit. The dismissals add to 5,000 announced in January by Pandit, who championed some of the businesses targeted today including markets in Asia and Latin America.
"The new sheriffs are in town," Gerard Cassidy, a Royal Bank of Canada analyst, said in an interview with Tom Keene on Bloomberg Radio's Bloomberg Surveillance. O'Neill, 66, led efforts to oust Pandit, and Cassidy said the new chairman played a major role in redirecting the New York-based bank's strategy. "His fingerprints are all over this," he said.
Citigroup closed at US$36.46 with its biggest gain since January. Analysts including Cassidy, Wells Fargo's Matt Burnell and Ed Najarian at International Strategy & Investment repeated their buy ratings.
About 35 per cent of the fourth-quarter costs are tied to eliminating 6,200 jobs in consumer banking, with operations set to be sold or scaled back in Pakistan, Paraguay, Romania, Turkey and Uruguay, according to the statement. Branches will be reduced in five other nations, including 44 in the US Corbat will also cut about 2,600 jobs from operations, technology, human resources, legal and finance, according to the bank.
"While we are committed to – and our strategy continues to leverage – our unparalleled global network and footprint, we have identified areas and products where our scale does not provide for meaningful returns," Corbat, 52, said in the statement.
The plan will save about US$900 million next year, and projected annual savings will exceed US$1.1 billion beginning in 2014, the company said. Annual revenue will drop about US$300 million, according to the forecast. The US$1 billion charge this quarter is pretax, and US$100 million more will come in the first half of next year.
Management is "rationalising the business in an intelligent way", Appaloosa management chief executive David Tepper said. Citigroup was Appaloosa's third-biggest holding by market value as of September 30, according to data compiled by Bloomberg.
The job cuts are "part of a continuum" that began with the previous executives, chief financial officer John Gerspach said on Wednesday at an investor conference in New York. "What you can expect from the management team at Citi is a continuing examination of every one of our businesses," he said. "We'll constantly seek new areas to improve efficiency."
In foreign markets, the bank must be "disciplined in how we come to market in each of these regions and thoughtful about how we're allocating our finite resources", Gerspach said.
Financial services firms have announced more than 300,000 job cuts globally since the start of last year, according to data compiled by Bloomberg. Goldman Sachs, Morgan Stanley, Bank of America and UBS AG are among rivals focused on reducing costs.
Bank of America, ranked second by assets in the US, is trimming about 30,000 positions. Zurich-based UBS, Switzerland's biggest bank, said October 30 it will cut 10,000, and the stock has jumped about 13 per cent since the day before the announcement.
Cost-cutting by investment banks needs to be severe as new capital rules designed to forestall any future credit crisis crimp bank finances, Sanford C Bernstein analysts said last month. Firms must slash pay and headcount and get rid of almost a third of their trading-business assets to earn even half the returns they once made, while replacing some traders with computers, the analysts wrote.
Citigroup's staff peaked at 374,000 as of March 2008, soon after Pandit, 55, became CEO, according to data compiled by Bloomberg. He then slashed headcount to 258,000 by Sept. 30, 2010, as he disposed of unwanted investments and subsidiaries.
Pandit began boosting staff as he recruited talent for investment banking and trading while adding branches and staff in Asian nations such as China and India and in Latin America. Citigroup reported it employed 262,000 people at the end of this year's third quarter. That ranked the company third among US banks behind Bank of America and Wells Fargo, and about 2,000 employees ahead of JPMorgan Chase.
Pandit, originally from Nagpur, India, sought to boost revenue from developing markets as the US and Europe slowed.
"In fast-growing emerging markets where standing still risks losing share, we had to invest just to keep up," Pandit told shareholders in a letter earlier this year. Investments to "grow the client franchise" in Asia and Latin America rose by about US$300 million last year, he said in the letter.
Corbat inherited one of Wall Street's least productive workforces after Pandit left. Before Wednesday's announcement, the lender was on track to end the year as the only one of the six biggest US banks with less revenue per employee than in 2005, according to an October 25 Bloomberg analysis.
Pandit was unlikely to lead Citigroup out of emerging markets after previously committing to them, according to Richard Staite, an analyst in London with Atlantic Equities. If he were still in charge, the bank would have probably introduced fewer and "more steady, incremental savings" than those announced, said Staite, who recommends the shares.
The bank had invested US$3.9 billion last year in all of its businesses, including initiatives to meet regulatory requirements, modernise branches and boost spending on consumer marketing, Pandit said during a January 17 conference call with analysts and investors.
"Vikram had invested heavily in the business back in 2010 and last year on the assumption of a stronger global economy," Staite said. "That obviously hasn't come through."
Citigroup's US branch closures amount to about 4 per cent of its North American branch network and include 13 across Pennsylvania, nine in Massachusetts and six in New Jersey, according to Catherine Pulley, a spokeswoman for the lender. The bank has opened 21 branches in the past 15 months and probably will open more next year, Pulley said.
Citi Holdings, the unit that contains about US$171 billion of unwanted assets, will eliminate about 350 positions, the bank said. Most are related to branch closures in Greece and Spain, the bank said.
The job cuts at Citi Holdings don't go far enough to fix the unit, according to Charles Peabody, an analyst in New York with Portales Partners. Efforts to quicken its disposal of assets are hampered by a lack of funding for potential buyers, and aggressive sales efforts could produce losses beyond the bank's current reserves, Peabody wrote in a November 13 note.
Citigroup also plans to shrink that division's bonuses for this year by as much as 10 per cent, two people with direct knowledge of the decisions said last week.
"At the end of the day, this looks to be nothing more than a branch rationalisation and back-office efficiency story," Peabody said.
Citigroup has a history of "trashing" its results in the fourth quarter to clean up expenses and other unusual charges, many of which should have been recognised in earlier quarters, Peabody said.
"It makes you wonder if you can trust the core earnings power of the company as depicted in the first three quarters of the year," Peabody said.
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Discussion in 'General WWE' started by Jose Tortilla, Dec 29, 2012.
inb4 BLFFL says steroids.
Does he even lift?
This is olddddddddddd
To give a fuck or not..
Dude, there are threads in this place with matches from 1995 and shit.. Don't bitch about a video being a little old.
Creepy as hell
Yeah, same thoughts..
He's a little too dry..
He's too young to be ripped in my opinion. There is a reason for kids being told to wait until at least hitting their teens before they start weight lifting.
Any other sport is alright at a young age. But lifting should start around the age of 15/16..
As long as you lift correctly it doesn't affect your growth, so I don't see why it's an issue.
http://www.livestrong.com/article/319922-will-lifting-weights-at-a-young-age-stunt-your-growth/ shit source but I cba finding a study brahs.
That's Rob Terry's son.
Screenshot from Wikia:
Takei rolled!
Every day is upper body day.