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New build planning permissions halve
Permalink: New build planning permissions halve
by Gill Montia
Planning applications for new housing developments in England have halved in four years, according to the Home Builders' Federation (HBF).
New research commissioned by the HBF shows that in 2011, total permissions were at their lowest since 2006.
The 115,000 granted last year represent only half the number required to keep on top of rising household formation and in the final three months of 2011, approvals were granted for just 27,732 new homes.
The quarterly average for 2011 stood at 28,853 compared to 33,535 in 2010 and 53,116 in 2006.
The report states: "The social effects of continuing to undersupply homes are obvious: five million people languish on local authority waiting lists, millions more live in over-crowded and substandard accommodation, whilst first-time buyers have all but disappeared – further stagnating the housing market."
The Federation reckons an additional 140,000 homes a year are needed to meet demand in England and makes the point that house building on this scale could create half a million jobs and boost the economy.
HBF executive chairman, Stewart Baseley, comments: "Government has recently unveiled some very positive measures aimed at boosting housing supply, particularly the NewBuy scheme, but they cannot succeed unless we have a truly pro-growth functioning planning system."
Most importantly, the new system must provide enough viable land to build the number of homes the country needs.
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Related stories to: New build planning permissions halve
Guide to Buying a New Build Property
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Simon Rowland
Every renewable energy project starts with thinking about the community it powers and establishing a social license to operate—at Renewable Power Partners, that is exactly what we do.
Together with local citizens (members of Renewable Power Cooperative), we are dedicated to reducing our collective environmental footprint by accelerating the transition towards a distributed and renewable power grid. Recent technological leaps have made this transition possible: a shift towards renewable energy as a viable alternative to fossil fuel generation.
We're eager to hear from others in the renewable energy sector and learn how we can collaborate on achieving this goal together. If you're a property owner in Southern Ontario, we'd value the opportunity to speak with you about how we too, can partner together.
We look forward to hearing from you.
Simon Rowland – Founder & CEO

subset: commoncrawl


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Letter(s) from Tatyana Novikova to Gary (USA)
Letter 1
It is write to you Tatyana from Russia I am very glad, that you have answered my message
I could not answer at once your letter as I went in city of Krasnoyarsk on additional curriculums I am very glad, that you have answered on my letter and have not disregarded me. I think that you are interesting person. So I decided to use the chance to get to know you better. Probably my letter looks banal and boring
I ask you to not think, that this next identical letter from the Russian woman
I think, that you receive set of letters from women, and probably you correspond with them But I want, that you have considered my letter with all gravity as I have serious intentions, and I want that our relations developed to the best!
I am 25, but I know this life from many sides and I am rather mature already to know how to make a man happy. The life is too short to use it only for thinking and dreams. Ok, I want tell you about myself.I the usual Russian women, actually am not distinguished by anything from others.
My name is Tatyana, I am 25 years
My Birthday is March,25
I was born and I live in city of Kansk
I am Christian
My growth 5,5 and weight 120 lbs. I the blonde with grey eyes. I the orphan, I have no parents, and I have no brothers and sisters My mum has died in a road accident when I am was 12 years My father has died in the Chechen war Now I am alone have try to survive in this difficult life I work as designing and tailoring of lady's wear in a small private concern
I have really many interests: music, reading, books, movies, good conversations, sports and many other things which make the life wonderful. I am creative and curious by nature.
I am very cheerful, kind, vigorous and in a measure modest. I easily find common language with strangers and simply I like to communicate on interesting themes!
Probably it is interesting to you, why I was solved on searches of the partner by abroad?
Probably I shall answer rudely, but I do not want to live in this smelly and poor country
In Russia is not any prospect, there is no normally paid work, there are no worthy men, there is no future Russia, it is only a violence, greed, a deceit and poverty
Therefore I do not want to live my years in this country I want to ask you some questions, I hope that it will not complicate you:
1. What is your religion?
2. What is your favorite color?
3. What is your favorite food?
4. Do you like music? What kind?
5. Do you like to dance?
6. What do you like in a partner?
7. What is your favorite season??
8. Do you like animals?
Please do not hesitate to ask me any questions, I shall try to answer all your questions, Ok?
I sincerely hope, that you will answer this letter I really want to continue our acquaintance
With the best regards, Tatyana
Letter 2
Today my mood a little bad, because I have a headache. I so badly woke up today.
I wanted to come here at this morning, but my head did not allow me it...
I am so sorry my Lover. I just came here to say you, that I love you ______!!!!!!!!!!
Only you and me, and our joint happiness!!! I love you...
My words for you, I love you, I so much want to say you in real life it!!!
All words in world it does not enough, to say as I love you!!!
My dear, I miss you... I shall wait your letters, My lover, I shall think of you!!! With hope that we shall meet with you soon!!!
As I already wrote earlier.
Here information Addres Western Union
my first name TATYANA
my last name NOVIKOVA
Only for cash money I can buy the ticket.
I love you and i miss you.
All right, My lover, I finish letter now.
Your Love
Your Tatyana


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Results 1 to 1 of 1
Thread: hide/unhide menu bar
12-21-05, 17:40 #1Registered User
- Join Date
- Sep 2005
- Posts
- 313
Unanswered: hide/unhide menu bar
I did hide the menu bar,
but how can I unhide the menu bar, because hide/unhide option is on the menu bar. If I hide it, then I cannot unhide it.
How can I do? Thanks.


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Friday, January 25, 2008
Shameless self promoting
My preaching isn't earth-shattering stuff by any means, but it is easy in my own mind to imagine that I am pretty good at it. Then I listen to myself, and I realize I have a long way to go. I preach with no notes at all, but do use MediaShout software to project the key points of my message on a screen for the congregation to follow along. I arrange my thoughts to follow the slides on the screen, and that gives me the mental framework for delivering my message. I know I could have a better delivery if I went back to manuscript preaching, but I'd rather keep practicing at preaching without notes until my delivery that way is as good as it would be with a manuscript.
So how do preachers get better, other than simple practice? I listen to those I respect the most. I have iTunes subscriptions to some preachers that I really like, and I think that in listening to them, my own preaching improves.
My question is for preachers out there - do you listen to your own preaching regularly? Do you have other preachers you listen to (or watch)? If you do either, does it help you get better?
5 comments:
- Jeff the Baptist said...
I'm not a preacher, but I have taken public speaking training to prepare for briefings at work. I'd imagine the skills are quite similar, it is just the topic that varies.
My instructor recommended speaking as you do, using your slides as notes but without a manuscript. You may think a manuscript would work better, but it generally means you're reading to the audience instead of speaking to them. It robs you of the back-and-forth relationship. Manuscript is dead speaking, notes are alive.
Practice is good. Not just delivering a sermon each week to polish your skills in general, but practicing each sermon before you deliver it. Know the material backwards and forwards. Also get in front of some people you trust and have them critique you once in a while. This will help break habits you probably don't realize you have.
I wouldn't worry about the mp3 sounding weird. It's only giving you fraction of your actual performance. A good sermon isn't just spoken words, but how you carry yourself in person and incorporate the congregation's other senses as well.
- Ken L. Hagler said...
Jeff nails a lot of the key points.
One thing that has been great for me has been serving as an Associate with a great preacher after my first appointment. I thought I was pretty good but getting the chance to listen and observe first hand someone who is great is an incredible opportunity.
I know this isn't something everyone gets to do or even has a say about. But I've learned so much working with Tom Davis at Due West UMC. I'm nowhere near as good as Tom but I'm much better than I was (and certainly better than what I thought I was).
- Brett said...
I listened to your sermons, and I just want to say that you have a great blog.
kidding of course.
- John said...
I haven't listened to myself preach except for once, but I could definitely see the value in it.
Needless to say, as Larry is one of my spiritual heroes, I shall be listening to his archive.
- Brett said...
I may be like most people, but I hate listening to myself speak. I take support calls sometimes, and I thought it would be cool to record the support calls to be used as training for others. I couldn't bear to listen to myself. Do I really sound like that? Do I really say 'uh' every other word? Do I really have a southern accent like that? Do I really talk that fast?
Maybe there is something to be gained by torturing myself and listening, but I'd rather not.


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Exhibiting at the Your Weight Matters Convention
The Your Weight Matters National Convention hosts the YWM Healthy Living EXPO, a 3-day exposition where the industry's most reputable companies and organizations and display a variety of proven products and services to individuals concerned with their weight and health.
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The Your Weight Matters Healthy Living EXPO is the official Exhibit Hall for the Convention and is open to registered meeting attendees Thursday evening – Saturday, and is also open to the public for FREE on Saturday. Information on the 2017 Your Weight Matters Healthy Living EXPO can be found in the Exhibitor Prospectus by CLICKING HERE. Inside the prospectus, you can find complete information on exhibiting at YWM2017, including:
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Membership login is applicable to current members who have completed membership migration procedure or newly registered on or after 15 June, 2015.
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Ireland has a proud tradition of participation in peacekeeping missions, both civilian and military. The UN charter is central to our peacekeeping policy.
Irish peacekeepers are highly respected internationally, by locals where they have served with missions, and within the international community.
Traditional Peacekeeping
Since 1958, our troops have contributed to international peacekeeping, primarily with the United Nations. Our largest deployment currently is with the UN peacekeeping mission in Lebanon (UNIFIL).
In the past 15 years members of the Defence Forces have served with a number of missions which have been authorised by the UN and led by the EU or NATO.
- Our most important involvement in an EU operation to date has been with EUFOR Chad, which was commanded by Lieutenant General Pat Nash.
- Ireland acted as Framework Nation of the NATO-led force in Kosovo, KFOR, in 2008.
The 'triple lock' of UN authorisation, and Government and Dáil approval must be in place before the Defence Forces can take part in peacekeeping operations.
Read more about the involvement of our Defence Forces in overseas missions.
Civilian Peace Operations
We are also increasingly involved in civilian peacekeeping. Strong civil institutions play an important role in preventing conflict from starting or reoccurring, and civilian peace operations help fragile states to rebuild institutions so they have the capacity to provide for the local population. These operations can have short-term aims to improve peace and security, as well as longer-term objectives such as:
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An Garda Síochána have contributed to both EU and UN civilian missions since 1989, when members were deployed to UNTAG, the UN Transition Assistance Group Mission in Namibia. Gardaí are currently serving in Cyprus with UNFICYP, and in Kosovo, with EULEX Kosovo.
Are you interested in applying for a seconded position as a civilian expert with the EU's Common Security and Defence Policy missions?
Positions are advertised as they arise on www.publicjobs.ie. Alternatively, you can be placed on our mailing list for new positions by contacting us.


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MyEssayWriting.com - Essay Writing Services.
In the disciplines of applied linguistics and second language acquisition (SLA), the study of pragmatic competence has been driven by several fundamental questions: What does it mean to become pragmatically competent in a second language (L2)? How can we examine pragmatic competence to make inference of its development among L2 learners? In what ways do research findings inform teaching and assessment of pragmatic competence? This book explores these key issues in Japanese as a second/foreign language.


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CHARLOTTE, N.C. -- For a 16-team grouping that has coughed and hiccupped its way through much of this season, the maligned NFC on Sunday finally spit out a couple of franchises that might be viable Super Bowl contenders.
That the Philadelphia Eagles are one of those teams, along with the St. Louis Rams, will be a surprise to anyone who witnessed their early-season shortcomings and then went to live in a cave or overseas the past two months. But compliments of a 25-16 victory over the fading Carolina Panthers here on Sunday afternoon -- the Eagles' seventh straight win and eighth in nine outings -- there is no reason to believe Philadelphia won't make a third consecutive appearance in the NFC championship game on Jan. 18.
If they get there, the Eagles could well face St. Louis, to whom they lost in the 2001 NFC title matchup, and a team whose start to this season was nearly as inauspicious as Philadelphia's.
By keeping things simple and relying on the three R's -- resilience, resourcefulness and Reid -- the Eagles have overcome their dismal 0-2 start. Given the manner in which they are now steamrolling through the schedule, having won contests in virtually every manner imaginable, Philadelphia also seems primed to overcome past failures in the NFC championship game.
"It's not for me to say if we're the team to beat (in the NFC)," said Eagles defensive end Brandon Whiting, who absolutely owned Carolina standout rookie right offensive tackle Jordan Gross, while authoring one of the game's biggest plays. "But I know that, the way we're playing right now, we're going to be a very tough 'out.' We've definitely got the confidence back, that's for sure, and we're doing whatever it takes. The only thing that we look at now is the scoreboard. And it's been looking pretty good."
Pretty good, indeed, even if the Eagles aren't always pretty, as far as their overall execution is concerned.
The victory over the Panthers, who have now lost two straight games and are teetering on the brink of disaster, was typical of Philadelphia's formula of late. In lifting their record to 9-3, keeping pace with St. Louis for the best mark in the conference, the Eagles were neither precise nor aesthetically resplendent. But they did enough things well, and got an ample assist from uncharacteristically scatter-footed Panthers kicker John Kasay, to re-establish themselves among the league's elite.
Only two teams, Kansas City and New England, now have more wins than do the Eagles. And after trailing the Dallas Cowboys for much of the season in the NFC East, the Eagles suddenly own a one-game advantage in the division on the eve of next Sunday's meeting at Lincoln Financial Field.
Heading into the December stretch run there is no hotter franchise, or arguably one more widely feared, than this surging Eagles outfit.
Said Carolina wide receiver Muhsin Muhammad: "I guess the politically correct thing to say is that, yeah, I'd like another shot at them. But they're so red-hot right now, it seems that a lot of things are going their way, and they're probably the best overall club (in the NFC) heading into December. They've gotten hot when you want most to get hot. I don't know what turned it around for them, really, but they are back to being the Eagles of the last couple seasons again."
Good teams have a way of squeaking through the door if the portal is open just a crack. Within but a minute of falling to 2-4 and with quarterback Donovan McNabb in the throes of a deep slump, the Eagles sprinted through the door of opportunity and gained new life.
Since the season-salvaging punt return, Philadelphia has barely slowed down, with the Eagles resolutely clawing their way back to the top perch in the conference.
"When a lot of people started digging our grave," said wide receiver James Trash, "we just started digging deep. Period. We kind of (dispelled) all the doubters. But we've got to keep playing with this same urgency. I mean, there are no guarantees, you know?"
Maybe not but, with this streak, the Eagles look like a pretty sure bet in the conference championship game to test the ol' theory that the third time is a charm. Certainly they are leading a charmed life, attributable to their own tenacity, and also to the frequent faux pas of their weekly opponents.
On Sunday, the Eagles trailed in nearly every offensive category: first downs (19-17), snaps (60-57), total yards (336-283) and time of possession (30:06-29:54). Yet after Duce Staley's two-yard touchdown run in the first quarter staked Philadelphia to a 7-3 lead, it never trailed again. McNabb completed passes to nine different teammates, yet none of his wide receivers had more than three catches, and it didn't seem to matter.
Thirty-seven of Carolina's 60 snaps came on the Philadelphia side of the 50-yard line and 13 of those were in the "red zone" but, typical of the Eagles' resilience (and of the fatal ineptitude of the Panthers offense and kicking game), the defense surrendered just a pair of touchdowns. It helped, too, that Kasay missed three field goals and an extra point try.
Carolina reached the Philadelphia two-, eight-, 14-, 20-, 23-, 24- and 31-yard lines at various junctures. But they squandered too many chances and, the ones that they didn't waste, were taken away from them by the Eagles defense. No play was bigger than that made by Whiting, who stuffed Panthers powerful tailback Stephen Davis for no gain as Carolina ran inside on fourth-and-one from the Philadelphia eight-yard line just before the end of the first half.
Referee Walt Coleman originally signaled a first down, but the Eagles players wisely requested a measurement, and the savvy move paid off. When the chains were stretched, the Panthers were a couple inches shy.
"We had an 'out' call, which means we were all supposed to slant to the outside, because we felt they wouldn't test us up the middle," Whiting said. "But when I saw a guard pull, I had a feeling where the play was going, and I played the hunch right. Davis seemed to have a lot of momentum, but I was able to get on him, and just knock him sideways. And when they brought the chains out, yeah, you could see just a little daylight between the ball and the stick. It felt great, man, really great."
Once again, the Eagles offense was more resourceful than great, with coach Andy Reid's tailback triad combining for 118 rushing yards, 158 yards from scrimmage and 258 all-purpose yards. It is a testament to Reid, who gets very little mention for coach of the year honors but should merit strong consideration if his team continues to win, that the offense has done as much as it has with so few notable playmakers.
Opponents continue to insist, somewhat justifiably, that Philadelphia has few offensive players who truly scare anyone. But here is the scary part about the Eagles: Because the estimable Reid never panicked, and his team was able to tread water for so many weeks when the roster resembled a M*A*S*H unit, things could go swimmingly for the Eagles now that so many standout players are getting healthy again.
They are peaking at a time when the roster, with stars like free safety Brian Dawkins and cornerback Bobby Taylor nearing full rehabilitation, is regaining peak strength. That is hardly good news for the four teams remaining on the Eagles schedule and the teams that Philly likely will meet in the postseason.
As much as Eagles players attempted to avoid all discussion of a third trip to the conference championship game, it was hard not to conjure up visions of another chance to earn a Super Bowl berth, especially for those veterans who failed the first two times.
"All I'm going to say," said strongside linebacker Carlos Emmons, "is that the chemistry in here right now is tremendous. There's a lot of business to tend to before we get a shot at taking care of that unfinished business still hanging out there for us. But, yeah, we're starting to like our chances."
Len Pasquarelli is a senior NFL writer for ESPN.com. Click here to send Len a question for possible use on ESPNEWS.


text:
Harry Katz
By Evan Wood
Out of habit, drivers traveling on I-70 near Kansas City are probably used to looking south at mile marker 9, right next to the I-70 and I-470 interchange. Kansas City's major league stadiums—Kauffman and Arrowhead—sit directly south of the eastbound lanes. However, perceptive drivers may have also noticed something to the north: a giant series of dark red tubes winding in and out of the Holiday Inn that's located just off the exit ramp.
These are CoCo Key's three biggest water slides, and going down any one of them is exhilarating if a little nerve-racking. Anyone with a fear of heights will probably be hesistant to try; riders must climb four stories of stairs before entering. At the top are three holes in the wall. Two of these are large and have shallow pools leading up to them, where riders can set their rafts before climbing in. These two slides are called Barracuda Blast, both over 350 feet long. The smaller entrance on the left side is Shark Slam, a body slide that ends in a water-lined runway at the bottom.
What gives all three slides their sense of excitement is also what makes their eye-catching exterior design work for an indoor, temperature-controlled water park.
"The tubes are encased in fiberglass," says Greg Madden, director of group sales and marketing for the water park and the hotel.
Courtesy of CoCo Key
The fiberglass not only ensures that the water being pumped through the slide stays temperature controlled, but it also makes the slides completely dark inside.
"I think it would be boring if there were a light in there," Greg says. "Every time I go down is a new experience. You're not going to remember every turn."
Going into the slide, you know that, at some point, you're going to experience turns, but nothing can prepare you for how quickly they seem to appear or how rapidly they shift from right to left.
Just as the water slides don't freeze despite traveling out of the building during winter months, part of the allure of CoCo Key—and indoor water parks in general—is the fact that you don't have to worry about the weather. Obviously, indoor water parks like CoCo Key can stay open all year, but they compete with outdoor parks in other ways, too.
CoCo Key keeps out summertime pests like wasps, and people walking between attractions don't burn their feet on the pavement. So, an indoor water park makes for a great summer outing.
"When you're outside, you have to worry about sunscreen," Greg says. And while people looking to get a tan may find that aspect appealing, Greg says that at CoCo Key families don't have to hover over their children and reapply sunscreen every hour on the hour.
Additionally, you don't have to worry about your day being spoiled by rain, or by one of Missouri's inordinately cool early summer days. Parkgoers at CoCo Key, and other water parks like it, don't have to worry about inclement weather, either, unless it's severe. And even during thunderstorms, the park doesn't have to be totally shut down.
Courtesy of CoCo Key
Aside from keeping up with its outdoor counterparts, CoCo Key also stands apart from other indoor parks. Michael Alonzo, water resort director at CoCo Key, says that the park is one of the safest in the country.
"We're in the top thirty percent," he says. "We're real proud of that."
CoCo Key's lifeguards are trained by Ellis and Associates, an international aquatic safety consulting firm. The firm also audits CoCo Key's safety every three months, which ensures the park stays compliant with its safety guidelines.
"That's unique for indoor parks," Greg says.
Ellis and Associates gave CoCo Key a Golden Guard award this year. According to Michael, the firm allows its auditors to give out one to two of these awards each year, making it a high honor. Michael also says that getting the award requires going "above and beyond."
CoCo Key has something for everyone. From the big slides, which will satisfy thrill-seekers, to the classic water park amenities like the lazy river and aquatic jungle-gym, there's no shortage of things to do. CoCo Key also offers a hot tub for adults and a special pool designed for young children who are not yet able to swim or walk. There's also a bar and grill where you can order food from the hotel restaurant, as well as private cabanas for families and groups.
CoCo Key is also compliant with the Americans with Disabilities Act.
"If you have someone who has physical challenges," says Greg, "they are not being left out."
Greg says that because CoCo Key is a newer resort, it was designed with ADA-compliance in mind.
CoCo Key Water Resort
9103 E. 39th Street, Kansas City, Missouri 64133 View Map


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Feeder : Come Back Around
...the best and most noble thing to do in such dire circumstances is to rock even harder...
A gutsy slice of vibro-rock from Feeder in the wake of the tragic suicide of drummer Jon Lee. Rather than serve up a mournful ballad like the Britrock Elton or something, Grant Nicholas navigates the band through their finest single yet courtesy of a tune even Dave Grohl's Foo Fighters– the undisputed kings of bubblegum metal- would happily take on loan.
"[I]I know it might take a while to come back around[/I]" hollers Grant, realizing that – taking his example from those crowned princes of bouncing back, The Charlatans – the best and most noble thing to do in such dire circumstances is to rock even harder. More power to their aching elbows.
Jason Fox


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Most of us sitting at desks watching stock price screens experience little more physical trauma in their lifetimes than a few paper cuts. However, many of our neighbors, especially the twenty-three million among us with diabetes, suffer from chronic, hard-to-heal wounds. They sometimes have limited mobility, lose time from work and miss out on family activities.
The wound care market is rising to meet the challenge of chronic wounds as well as surgical and trauma wounds. Market research firm, Kalorama Information, recently issued a report suggesting that the wound care market could reach $5.9 billion in 2009. Even with the current recessionary economic conditions, Kalorama analysts estimate that the sector can continue to grow 4.8% in each of the next five years. The business may not be entirely impervious to recession, but if Kalorama's figures are reliable, wound care may be just the investment sector to heal the wounds in your portfolio.
Most of the leading wound care suppliers and service providers are gathered this week in Dallas, Texas for the Symposium on Advanced Wound Care. Their membership is a who-is-who in the wound care business. Johnson & Johnson (JNJ: NYSE) stands out among the leaders. Of course, JNJ is a highly diversified supplier of medical supplies and equipment. The stock trades at a multiple of 10.7 times forward earnings. Considering the current dividend yield of 3.8%, that presents a compelling value. Shares of JNJ have rebounded from the 52-week low set in March 2009.
Another significant player on the wound care scene around the world is Smith & Nephew (SNN: NYSE). In addition to advanced wound care management, Smith & Nephew also provides orthopaedic products. SNN depository receipts trade on the New York Stock Exchange and are priced at 10.6 times forward earnings and the stock is currently yielding 2.3% in dividends. A net profit margin of 9.9% and 21.5% return on equity are attractive.
If it is a pure play you are looking for, consider The Center for Wound Healing, Inc. (CFWH: OTC/BB). Based in New York, CFWH offers advanced wound care services in partnership with hospitals. One of the company's specialties is Hyperbaric Oxygen Treatment (HBOT), an advanced wound care treatment that is gaining in popularity among physicians. New management completed a restructuring of the Company last year, turning heavy losses around to an 8.7% operating profit in the twelve months ending December 2008. The depressed stock price may not yet reflect recent progress.
Neither the author of the Small Cap Strategist web log, Crystal Equity Research nor its affiliates have a beneficial interest in the companies mentioned herein. Crystal Equity Research has published research on CFWH for which it received compensation from the issuers or one of its agents.


text: Thanks to the many knowledgeable people on these forums I finally made the decison to buy a new Hustler. It is quite a step up for a fellow used to mowing two acres with a Craftsman riding mower. I made a deal today to purchase a Super Mini Z, 25HP Kawasaki / 52", with Flex forks and a mulch kit. The out the door price is $7250.00; does that sound like a pretty good deal? It is probably much more mower than I really needed but I wanted it to be the last one this 54 year old has to buy. Are there any particular things I should inspect for when I pick it up? Are there any things I should do as far as break-in of the motor or mower? Thanks again for giving me the courage to make this purchase. Greg


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Description of the accommodation:
Rooms, services Four comfortably furnished rooms are offered by Villa le Monde La Roche-en-Ardenne to guests looking for accommodation in La Roche-en-Ardenne. If you wish to learn more about the exact scope of services provided by Villa le Monde La Roche-en-Ardenne (including those available for an extra fee) or about the equipment of the rooms, you can find the complete list on the information sheet below.
Payment Depeding on the selected room, date and price, you may be asked to provide credit card guarantee or to pay by credit card in advance.
Arrival, opening hours The earliest time to check in to your room is 16:00, the latest time to check out of your room is 11:00. The personnel of the villa can speak with you in Dutch and English languages.
Villa le Monde La Roche-en-Ardenne rooms Rooms
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Kiba Episode 11 English Subbed
You are watching Kiba Episode 11 English Subbed from the Kiba Anime Show. Watch or Download Kiba Episode 11 MP4 English Sub and other episodes of Kiba Streamed for Free.
"Premonition of Conspiracy"
Stream Kiba Episode 11
Episode Summary: Hugh succeeds in capturing Rebecca. Zed is furious but he joins Elda when Philip sends her on a mission.


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impingement jet
I have to simulate an impingement jet (water)on a flat plate.I'm not sure which model I have to choose, Mixture,VOF... I also have problems with the boundary conditions,inlet velocity,wall_nozzle,outlet_side,outlet_top, wall_plate.Is this correct? I got warnings reversed flow, and the flow field is not correct! Can someone help me, thanks!
Re: impingement jet
Well, if it is a water jet in air and the velocity is not so high that drag and lift forces play a major role, I would suggest VOF. In the inlet remember to specify the volume fraction of water (I think it must be 1, right?). Consider whatever to enable gravity or not. If you have reversed flow at the outlet (pressure outlet), consider to extend your domain until the flow is more stable.
These are some simple suggestions, hope it helps,
Re: impingement jet
Why VOF and not a mixture model, what is with turbulence model, I thougth it is not available in VOF. The only data I have is the inlet_velocity and the nozzle to plate distance.I have extended my domain, but the flow still looks really strange!Are my boundary conditions OK? Inlet_velocity, plate_wall, nozzle_wall, side_wall_pressure outlet and the upper wall also pressure outlet!Thanks!
Re: impingement jet
How about discrete phase model? I also model a impingment jet, you can enable the accretion rate option. I am still working on this. Hope this will help.
|All times are GMT -4. The time now is 13:59.


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Fashion stylist Maiken Winther adores the purest form of clothes styling; the art of letting the clothes speak for themselves, without accessories or many layers. The ability to give clothing and models that right shape, to make an interesting image, is one of the hardest abilities to learn – but Maiken has it down to a natural art form.
With a background of more than 10 years as fashion editor for one of Denmark's biggest fashion magazines, Maiken has fashion woven into her DNA and is well versed in most aspects of fashion photography.
Alongside her work as a stylist Maiken runs a busy fashion blog which can be seen here and she also has her own website which shows more of her work.
Try involving Maiken in the early stages of the preparation for a fashion campaign and you'll find that you in Maiken have a great sparring partner.


text: The output of China's shipbuilding industry reached a record 14.52 million dwt in 2006, making up close to one-fifth of the global total for the same year, according to official statistics. The Commission of Science, Technology and Industry for National Defense (CSTIND) announced on Tuesday that the output of 2006 was 20 percent higher than that of the previous year. According to the CSTIND, China's top two shipbuilding giants, the China State Shipbuilding Corporation (CSSC) and the China Shipbuilding Industry Corporation (CSIC), reported annual output of 6.02 million dwt and 2.67 million dwt respectively. The rest of the market was covered by local shipbuilding companies. China's shipbuilding companies received new orders totaling 42.51 million dwt last year, bringing the total ship orders to 68.72 million dwt, or 24 percent of the global total. Last year was the 12th consecutive year that China ranked as the third largest shipbuilder in the world, following the Republic of Korea (ROK) and Japan. China has narrowed the distance behind the ROK and Japan in output in the past two years, according to the CSTIND. China is expected to become the world's biggest shipbuilder by 2015, said Chen Xiaojin, general manager of the CSSC. Zhang Guangqin, chairman of the China Association of National Shipbuilding Industry, said the output of large oil tankers accounted for 51 percent of China's total shipbuilding output last year. source: xinhua


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Pantheon Build Guide by terminated-eune
Not Updated For Current Season
This guide has not yet been updated for the current season. Please keep this in mind while reading. You can see the most recently updated guides on the browse guides page.
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creating helpful guides for the League of Legends community.
Pantheon Build
starting items
First back
Main damage items.
Typical final build
Ability Sequence
Not Updated For Current Season
The masteries shown here are not yet updated for the current season, the guide author needs to set up the new masteries. As such, they will be different than the masteries you see in-game.
Hello everyone my name is Mike otherwise known as Terminated. I am currently a Platinum division 3 player who mains jungle. This is a short and to the point pantheon guide if you didn't already establish that from the title. Pantheon along with a few other key jungle champions (Elise, Khazix, Lee sin) have helped me dominate the jungle climbing my way out of Silver 5 in season 3 to where i am now. Playing jungle can help you snowball lanes or yourself to hard carry even entire games. Back to Pantheon, He is a Bruiser/Assassin that's right assassin. Very strong early game, HIGH kill potential, and not many jungle champions will want to duel pantheon early on. He also has great gank potential pre-6 and post-6 with his global ultimate which can devastate your enemies.
Typically i run Flat AD marks and Quints because of pantheons high ad ratios. I find the seals of scaling health are much better than the 9 armor but either will work fine. My main glyphs i run are Scaling CDR it allows me to spam more Spear shot (Q) and really helps get off extra Aegis of Zeonia (W) to stun lock an enemy for the kill. If you need Magic resist trade out the Scaling CDR for Scaling magic resist.
Always max Spear shot first it is your main damage spell also when ganking if possible start with spear shot then Aegis of Zeonia followed by an auto attack and spear shot for maximum damage output. The second spell i max is Heartseeker strike it allows for decent jungle clear.
After spirit of the elder lizard and mobility boots i 90% of the time rush tiamat for the jungle clear it will really help you clear camps fast and efficiently if you cannot find a gank.
Pros / Cons
Strong early game.
Great kill potential.
Snowballs hard.
decent clear times.
good baron/dragon steal with ult smite combo.
Global ultimate.
Can fall off badly if ganks go unsuccessful.
Mana dependent early on until you complete your Spirit of the elder lizard.
More to come.
Team Work
There are a few different ways to build pantheon as stated above. Your job and how you should play him during team oriented fights differs with the build you have. If you are the TANK your job is to try and pull the enemy to focus you while crowd controlling high priority targets with your Aegis of Zeonia (W). Always make sure your team is fully committed to backing you up before you go full MAN-theon in. Bruiser sustained damage able to tank a few hits try to poke with your Spear shots (Q) until you can catch a higher priority target out of place or land a good ultimate. Dive oriented pantheon catch an enemy carry and BLOW THEM UP.


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I'm starting out pretty well this week with bot the Thursday night and Saturday night games correct. That more than likely means it will start to fall apart today. Oh well… Dolphins over Bills Seahawks over Bears Bengals over Rams Packers over Chiefs Titans over Colts Saints over Vikings Giants over Redskins Texans over Panthers … Continue reading
Monthly Archives: December 2011
A Year in Review: The Top 10 & Bottom 5 Movies of 2011 (Kev-Entertainment's 100th Post)
This is the 100th post for this blog so I figured I'd do something a little special and go ahead and give out my top (and bottom) films of the year. So without further ado… The Top 10 1. Hugo Hugo may not have the best story, and may not be the film with the … Continue reading
Arbitrary NFL Power Rankings: Volume III
1. Green Bay Packers (13-0) This is and has been an obvious choice for the best team in football for the entire season. There's no one who has even come close to making me believe that anyone could beat this team when they're running on all cylinders. I'm also sick of hearing criticism of their … Continue reading
NFL Quick Picks: Week 14
This week is at least starting off better than last week (although I did get 10 games right last week). I had Pittsburgh beating the Browns Thursday and I think it would have been an absolute thrashing if Roethlisberger were healthy for the entire game. Let's get to the quick picks now. Falcons over Panthers … Continue reading
Albert Pujols: A win-win-win-win-win-win Situation
So Albert Pujols has decided to end his tenure with the St. Louis Cardinals and move out to California to play for the Los Angeles Angels of Anaheim. This is not small news as there are very few other players that one could argue are better baseball players than Albert Pujols. So naturally, Pujols has … Continue reading
Director: Martin Scorsese Starring: Asa Butterfield, Chloë Grace Moretz, Ben Kingsley Like many coming into viewing the new Martin Scorsese film, I'm sure, I was very interested to see how the acclaimed director was going to handle a family friendly film. And… even though I was halfway expecting someone to get shot in the head … Continue reading
The Descendants
Director: Alexander Payne Starring: George Clooney, Shailene Woodley, Amara Miller Alexander Payne's first directing job since 2004's Sideways is nothing short of brilliant. The film is packed with great performances, great visuals, and people that really make an audience care about what's going on. George Clooney plays Matt King, a descendant of Hawaiian Royalty and … Continue reading


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Iowa is One of the Happiest States in America
The list of 2017's Happiest States in America has been released, and, once again, Iowa ranks very high on the list!
Growing up in Michigan, it has always bugged me a little bit when people hate on us Midwesterners. We have plenty of wonderful places to live, and this study proves it! The website WalletHub does an annual list ranking the happiest (and unhappiest) states in the U.S. How do they determine who is "happiest?" Here's their explanation:
"In this study, WalletHub's analysts drew upon the findings of "happiness" research to determine which environmental factors are linked to a person's overall well-being and satisfaction with life. Previous studies have found that good economic, emotional, physical and social health are all key to a well-balanced and fulfilled life."
WalletHub looked at 28 different "key metrics" and separated their study into three different categories: Emotional & Physical Well-Being, Work Environment, and Community & Environment.
So where did Iowa fall on the list? We broke the top 10, coming in at number eight! We ranked 12th in the "Emotional & Physical Well-Being" category, 8th in the "Work Environment" category, and 7th in the "Community & Environment" category. We also came in 3rd place for "Lowest Long-Term Unemployment Rate!"
Here are the top 5 "happiest" states:
- Minnesota
- Utah
- Hawaii
- California
- Nebraska
Two other Midwest states made the top 10: South Dakota and Wisconsin.
On the OTHER hand, here are the 5 "unhappiest" states:
- West Virginia
- Oklahoma
- Louisiana
- Alabama
- Arkansas
You can check out more of the study's findings HERE.
[Via WalletHub]


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Minster FM News
McIntosh calls for fuel duty rebate for North Yorkshire
2:10pm 18th April 2012
Miss Anne McIntosh, MP for Thirsk, Malton and Filey, was delighted to meet the Chancellor of the Exchequer, George Osborne MP, at Westminster this morning to discuss a remote rural fuel duty rebate for Hambleton and Ryedale in Thirsk, Malton and Filey.
"The meeting with the Chancellor was extremely positive and he has agreed I should meet the Treasury Minister responsible Chloe Smith MP to discuss the finer details of the proposal and the EU competition laws that the current pilot scheme in the Scottish islands has been required to meet.
"I used the opportunity to explain how damaging the highest fuel pump prices in the land are for those living and working in Thirsk, Malton and Filey. Local people are really feeling the pinch, especially those who are completely dependent on their own transport such as the elderly, vulnerable and those with young families.
"I explained to the Chancellor the crippling cost of fuel is eating into the budgets of key public services such as, school buses, policing, ambulances and rubbish collections.
"I also raised the issue of how pension incomes are collapsing with the impact of quantitative easing, as referred to in today's Treasury Committee report on the Budget 2012, in addition to the Equitable life scenario and the proposed reduction in pensions allowances. The combination of these factors is hitting the incomes of pensioners in rural areas where the cost of living is generally understood to be substantially higher than in rural areas."
Miss McIntosh concluded:
"The Chancellor of the Exchequer was extremely generous in meeting me and giving opportunity to highlight the plight of rural business, pensioners and those with young families following the impact of the Budget 2012 and I shall pursue my proposed remote rural fuel duty rebate vigorously now with his fellow Treasury Minister Chloe Smith MP."


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By Pamela J. Waterman
A bone rasp under development by Within Technologies for manufacture on an EOS laser-sintering system. The part represents a particular challenge for AM building, because the surface is covered with 2x2mm pyramids whose orientation keeps changing to match the overall shape of a helix.
Image courtesy EOS and Within Technologies.
As quickly as cars morph into robots in this summer's Transformer 3 movie, new options in rapid metal technology continue to transform the world of manufacturing.
When a part's end-use requirements call for metal, many factors determine the best material and process. High strength, excellent thermal conductivity, machinability/weldability, corrosion resistance and the ability to create extremely smooth surfaces may all be on the list. Beyond that, design complexity, a need for customization, and control of such properties as material density may point directly to using one of today's "rapid" technologies. Add in the cost of materials, equipment, training and operations, and designers can face a complex array of options — but with potentially stunning results.
From machined aluminum and stainless steel to formed parts crafted in exotic titanium alloys, metalworking in recent decades has drawn upon an increasing range of rapid manufacturing technologies and raw materials. These choices continue to expand, thanks to the ingenuity in worldwide R&D.
DE helps you sort through the possibilities, from build materials and systems to service bureaus and value-added processing.
This Direct Metal Deposition rebuilt turbine blade squealer-tip was done on a POM Group system. Sizes vary from 50mm to 600mm (H). Image courtesy POM Group.
Direct Metal Manufacturing
A Big Three group dominates the industry of creating parts directly in metal: 3D Systems, Arcam and EOS. Not surprisingly, 3D Systems, the 25-year-old pioneer of additive manufacturing (AM), plays a strong role with its Selective Laser Melting (SLM) systems. (See "Additive Manufacturing 101," DE November 2010, for additional AM acronym definitions.)
However, Arcam and EOS, with their Swedish and German headquarters, respectively, have enjoyed the advantage of European medical regulations that historically permit much broader use of AM parts than Food and Drug Administration (FDA) regulations in the United States. That acceptance has boosted medical and dental applications to form the largest segment of direct metal production parts.
Finishing Touches
Sinterstation Pro DM125 and DM250 SLM systems (differentiated mainly by their build volumes), both from 3D Systems, produce fully dense end-use parts by laser-melting a powdered version of steel, aluminum or titanium alloys. System specifications list excellent surface finish, feature detail and tolerances as attributes of final parts that make them suitable for a wide range of use.
3D Systems' SLM applications include lightweight aerospace and motorsports parts, custom medical implants, efficient heat sinks, dental caps and crowns, and injection-mold inserts with conformal cooling channels. The last example highlights one of the distinct capabilities of additive manufacturing: achieving internal geometry in a single piece that, if traditionally machined, would otherwise require an assembly of multiple parts.
Arcam, founded in 1997, employs Electron Beam Melting (EBM) technology to create parts from powdered metals, primarily titanium Ti6Al4V (Grade 5). This biocompatible alloy has served as the foundation of the company's extensive market in orthopedic implants. The Arcam A1 system is designed to produce custom and standard medical implants in both titanium and cobalt chrome alloys, while the Arcam A2 is optimized for producing large, complex metal parts for the aerospace and defense industries.
Since 2007, Arcam's European customers have used EBM technology to produce and implant more than 10,000 CE-certified advanced orthopedic implants. Until recently, any such parts produced by U.S. customers were limited to patient-specific implants. However, in February 2011, Arcam announced a significant marketing development: U.S. manufacturers have received FDA clearance to broadly market Arcam EBM products in the states. Arcam says that the U.S. market represents about half of the worldwide implant market.
Metal parts made on EOS' direct-metal laser sintering (DMLS) systems run the gamut from aerospace (turbines) and automotive (custom race-car parts) to jewelry (custom titanium pendants) and tooling (inserts). EOS DMLS ductwork can be shaped exactly to fit an optimum air flow path, instead of having the design be driven by cutting paths or limited by minimum draft angles. Plus, EOS medical applications include custom knee joints and dental crowns and bridges.
The EOSINT M 270 has been a metals workhorse for years. Now joining that system, the just-announced EOSINT M 280 offers more options than ever for material choice: Because the M 280 unit can operate with either nitrogen or argon protective atmospheres, users can elect to work with light metals, tooling steel and super alloys including titanium, aluminum, cobalt chrome and Inconel (an iron-nickel combination).
The third-generation SLM 250 System from MMT Group (now part of Renishaw). Enhancements over previous models include variable powder delivery, ultra-low oxygen content in the build atmosphere, and a safe-change filter system to minimize user materials-contact.
Image courtesy MTT/Renishaw.
More Metal Methods
UK-based MTT Technologies is known for its broad range of vacuum-casting, tooling, molding and selective laser melting systems. In April 2011, parent company MTT Investments announced its acquisition by Renishaw, a global engineering company with products in metrology, medical CAD/CAM and optical spectroscopy products.
This broader corporate backing should help spread the use of the MTT SLM125 and 250 machines, both of which can process titanium, stainless steel, cobalt chrome and tool steel powders into fully dense parts. MTT/Renishaw has sold systems to several U.S. companies, and is currently looking here for additional demonstration partners.
Two other metal-oriented companies with laser-based systems are POM Group and Optomec. Their processes and applications take metal powders into somewhat different and innovative directions, such as repairing worn or damaged expensive metal parts (including tooling). Both companies have developed technologies that fuse new layers of metal onto the surface of existing steel, titanium and nickel parts. The concept has been used to repair turbine blades, and even applies to reworking new parts that display out-of-spec dimensions.
POM Group's Direct Metal Deposition (DMD) 105D and Robotic DMD systems employ a fiber-coupled diode- or disc-laser to solidify injected metal powders, even combining metals for unique alloy properties. Typical markets include both part repair and the creation of conformal-cooling within injection molds. The company's closed-loop feedback system is the key for producing a near-net-shape product, including the capability to vary the melt-pool temperature to manage dissimilar substrates. An unusual aspect of the Robotic DMD unit is its portability, allowing machine transport for in situ repairs of massive tooling.
Up-and-Coming Rapid Metal Developments
At press time, various state-of-the-art commercial programs were being discussed at the Additive Manufacturing International Conference at Loughborough University (AM-Conference.com). A number of companies and industrial groups that participated also support metal-based efforts that deserve a close look.
Check out the following:
Optomec developed the Laser Engineered Net Shaping (LENS) technology that uses a high-power laser (500W to 4kW) to fuse a stream of powdered metals into fully dense parts. Working with such commercially available powders as 316 stainless steel, Inconel 625 and Ti6Al4V titanium, the company says its LENS-made parts feature a microstructure that improves their mechanical properties over similar parts made on other AM systems.
As food for thought, if you're willing to look abroad in your search, three additional European companies with laser/metal-powder systems are Phenix Systems in France and 3D-MICROMAC and Concept Laser in Germany. At press time, no U.S. distributors were listed on their websites.
The Ex One Co. may be the biggest U.S. rapid tech company you've never heard of. With 85% of its business in Europe — and much of it conducted through a service bureau program — Ex One comprises four divisions, including the industrial group ProMetal and its subdivision, Metaltec Innovations, which offers decorative hardware, tiles and art.
Ex One's powder-based process goes back to the early days of MIT's technology transfer program, when the company secured the license to use MIT's 3D Printing process with metals. Using a spray binder to form and combine layers of powdered metal, the ProMetal R-1 Direct Metal R&D Printer lets users create some of the largest parts in the rapid tech industry. Currently offered metals include a stainless-steel-bronze alloy, a high noble gold, copper tungsten and nickel. Printed parts are heat-treated to achieve final density.
Variations on a Theme
Additive manufacturing via fused powdered metals, whatever the system used, presents challenges and trade-offs. Product designers and engineers should still consider two other approaches that put a twist on traditional metalworking: systems from Roland DGA and Solidica.
Detail of hip-socket acetabular cup produced on a 3D Systems Sinterstation Pro SLM system.
Image courtesy 3D Systems.
Roland DGA takes classic subtractive machining operations and packages them into a full software/hardware solution that the company describes as combining the ease-of-use of 3D printers with the benefits of CNC-machined parts. No G-code (the common language for CNC programming) is required; tolerances and surface finish are excellent, and the Roland MDX 540 series handles machining standard materials from plastics to metals — including standard types of brass, aluminum and copper. The Roland website lists extensive data (under milling products), showing favorable ownership costs compared to those for a typical 3D AM system.
Solidica offers a very different approach to building parts. It uses an ultrasonic process to "consolidate" thin layers of metal drawn from featureless foil stock. The process produces true metallurgical bonds with full density, and can work with dissimilar metals. Solidica's Formation machine combines additive and subtractive processing to create deep slots, hollow, latticed or honeycombed internal structures and other complex geometries. The approach even allows embedding fibers and active devices such as sensors and other electronics.
Rapid Service Bureaus
Designers considering metal part production, either one-off or production, should consider outsourcing to service bureaus that work with AM systems day-in and day-out. A sampling of companies with extensive metal-working experience includes Accelerated Technologies (now part of 3D Systems), Grow It 3D, Harvest Technologies, Integra, Morris Technologies, Scicon Technologies and Solid Concepts. Two good directories for additional service bureaus are listed at Additive3D.com and TenLinks.com. Working with these experts also serves as a great entry path to identifying which system you'll purchase down the road.
An overview of multiple parts milled on Roland MDX-540 during a two-week period at Cardiovascular Systems, Inc., a medical device company.
Images courtesy Roland DGA and Cardiovascular Systems, Inc.
Fabrication Considerations
No discussion of rapid metal-part production would be complete without mention of the impact that AM has had on casting techniques — and more specifically, on mold-making. The field widens to include quite a few more companies whose systems create parts useful as either direct, reusable injection molds (made of plastics or ceramics) or as intricate models for one-of-a-kind, lost-wax casting.
Depending on the surface finish you require, you may find the perfect match for these applications with equipment from 3D Systems, Envisiontec, ExOne, Objet Geometries, Sintermask Technologies, Stratasys (especially with its recent acquisition of Solidscape) and Z Corporation. The dental and jewelry businesses are extensively tapping AM systems for fast, cost-effective, custom-volume manufacturing, but automotive, aerospace and art customers are coming on strong, too.
This is a great time to investigate metal options. See what rapid metal technology can do to transform your business.
Contributing Editor Pamela Waterman, DE's simulation expert, is an electrical engineer and freelance technical writer based in Arizona. You can send her e-mail to email@example.com.
For More Information:
3D Systems
Accelerated Technologies
Concept Laser
Grow It 3D
Harvest Technologies
Morris Technologies
Objet Geometries
Phenix Systems
POM Group
Renishaw (MTT Technologies)
Roland DGA
Scicon Technologies
Sintermask Technologies
Solid Concepts
Stratasys (Solidscape)
Z Corporation


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By Liesa Malik
New Year's Resolutions. Bah, humbug, right? The whole practice of writing down what amount to goals that seem firmer just by calling them "resolutions" can be intimidating and defeatist.
Me? I've always liked this clean-slate time of year. At least for a week or so I haven't goofed up my brand new year. I really will lose those ten pounds, leap tall buildings in a single bound, write that best-selling novel that gets turned into an Academy Award Winning motion picture, earn millions, and go live in the Bahamas when Colorado winters get to me.
But wait!
A resolution is a goal, a plan, a firm decision--not a wish and a dream. And here's where the conflict begins. As writers, our job is to live in a semi-dream state for a good deal of our time. Without our imaginations we couldn't conjure up the stories we do. Without a wish, our heroes and heroines would be, well, just like us. We need that skewed perspective on life.
But as professional writers, we also need a foot firmly planted on the ground. We need to take our literary vision and make it a reality. So how can we blend the two?
In my work as a marketing professional for twenty years, I've had this conflict a lot (both with my own goals and those of my clients). Over time, I've learned to embrace it, and one of the best tools I know to do so is the S.M.A.R.T. goal. Here's how it might work for a writer.
One: Dream Big
Think of all the writing projects, awards, accomplishments, and kudos that could happen this New Year. Go ahead. Shoot for the stars. Say things like, "I will finish that novel I've been working on and write a complete second novel to boot!" or "I will write twelve short stories that will make it into the finals of the Writer's Digest annual competition." You can even go so far as to jot down, "My mother will be so proud of me!" Whatever your heart truly desires. Take time to enjoy a great vision of yourself (hey, we're all entitled to a holiday gift from ourselves, right?)
Two: S is for Specific
Now take your dreams and turn them into a list of goals. But be specific. Writing a novel is a good goal, but a novel can be a romance, a murder, a sci-fi piece, and a novel can be 80,000 words or 120,000 or anything you determine is right for your project. The point here is to choose what specifically is right for you. Go ahead. Look through your dreams and write down a few specific goals.
Three: M is for Measurable
Eew! As writers, measurable sounds an awful lot like math--hex, gag, whatever! But being measurable doesn't have to be intimidating. Let's say you've chosen to write a novel in the mystery genre. That's nice and specific. But let's make that goal measurable by putting a word count to it.
"I will write a mystery novel with a goofy protagonist who likes romance but keeps stumbling across dead bodies in 85,000 words."
Wow. That is both specific and measurable. Cool. What's next?
Four: A is for Actionable
Now is where we start to deep dive on a goal. What actions can we take to get that novel written? In other words, what smaller goals do we need to put into place to make that new novel appear in electronic form instead of in dreamworld hopes? Here are some things I would consider as good actions:
- Make a character list
- Write character biographies or backgrounds
- Develop a theme or life question that really challenges me
- Write a list of obstacles or challenges that might appear by putting two or more of my characters in a life-defining situation
- Write a short outline of "what happened" from each character's point of view
- Make a master outline (sorry pants-ers, us plotters need this sometimes)
- Write 1,000 words a day in my first draft
Five: R is for Realistic
Ouch! Who wants real in a creative writing project? Well, to be honest, I do. I have a hard time thinking that maybe one day I'll have a novel published when I don't have a plan to get that novel written. For a goal to be realistic you need to be in control of the outcome. You can't say "I'll get a contract for six new novel sales this year" because you don't control the editors and agents who might offer that contract. However, you can say "I'll pitch to twenty agents and editors each month this year," and then you can have realistic hopes of landing a contract.
Six: T is for Time-Bound
Again, this may sound restrictive at first, but in reality a project with a beginning, middle and END is very satisfying. Let's say you've been working on a novel for oh, six or seven years. Will this be the year you finish it? YES! If you tell yourself you'll have goals X,Y, and Z done by June 15th and that date comes, you have the power to say, "Know what? I've put enough time into this project. Do I still want to invest more in it, or do I want to go on to something new?" That isn't being a quitter. That is being realistic. Some projects work, and others don't. If you're into your new novel and the deadline (decision time) looms, you can sit back and say, "Okay, I'm behind schedule, but I can get back on track by doing . . . " It's your decision.
Yes. I like resolutions. But I love SMART goals. Wishing you a wonderful holiday season and a New Year that's filled with SMART writing success.


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Multiple and Complex Needs Initiative (MACNI)
The Multiple and Complex Needs Initiative (MACNI) is a time-limited specialist service for people 16 years and older, who have been identified as having multiple and complex needs. This includes people with combinations of mental illness, substance abuse issues, intellectual impairment, acquired brain injury and forensic issues. Often these individuals pose a risk to themselves and to the community.
MACNI's primary purpose is to facilitate better coordination of supports and services to people with complex needs, deliver holistic care and prevent further escalation of need. Participation in MACNI is voluntary.
MACNI is underpinned by the Human Services (Complex Needs) Act 2009.
MACNI is a shared service across the Department of Health & Human Services (DHHS) in partnership with the Department of Justice & Regulation. MACNI is managed by DHHS.


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2 ammo factory officials held for taking Rs 4K bribe from food vendor
The complainant in the case was the vendor, Ashok Yadav, who used to operate his Chinese stall alongside the wall of the factory.
The arrested suspects were identified as Ashok Kamble and Vikas Pardeshi, both junior managers in the Y&E Section of the ammunition factory.
"Yadav used to run his Chinese stall along the wall of the Ammunition Factory, Khadaki, for several years, but the stall was seized by the officials of ammunition factory stating he had violated some lease rules," Police Inspector, ACB (CBI), D K Bali said.
He said that after confiscating the stall, Yadav ran from pillar to post to get his stall back, but Kamble and Pardeshi refused to release it.
"On October 6, Yadav again went to Kamble and Pardeshi and demanded his stall, but the duo demanded Rs 4,000 from him to release the stall and they also told him that he would be issued an official receipt of Rs 300," Bali said.
Yadav then approached the CBI and lodged a complaint against Kamble and Pardeshi, following which a team led by Bali laid a trap near Pardeshi's residence and arrested him while accepting the bribe.
Both accused were remanded in CBI custody till friday by a Shivajinagar court.


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Description of the accommodation:
Rooms, services Maomaocool Traveling with Hostel Santa Dali is offering 22 nicely furnished rooms to stay in to those seeking accommodation in Dali. In case you'd like to have a meal or a drink on the spot, you will be provided freshly prepared dishes in the restaurant every day. If necessary, parking is available nearby. Airport transfer can be requested upon preliminary notice. Wireless Internet connection (WiFi) is available at the hostel, ensuring that you can stay up-to-date during your holiday. If you wish to learn more about the exact scope of services provided by Maomaocool Traveling with Hostel Santa Dali (including those available for an extra fee) or about the equipment of the rooms, you can find the complete list on the information sheet below.
Payment Credit card guarantee or advance bank card payment may be required for the reservation, depending on the chosen room, date and price.
Arrival, opening hours The earliest time of check-in is 07:00, the latest time of check-out is 14:00. The personnel can communicate with you in the following languages: Chinese - China and English.
Maomaocool Traveling with Hostel Santa Dali rooms Rooms
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Free WiFi in shared places
Default services: Garden
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Own restaurant
Hairdryer, Washing machine, Tea/coffee-maker


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RevoStock CD Promotion Red 142503
After Effects Project \ Commercials \ Intros \ 3D Elements \ High Tech \ Text Elements
After Effects Project - CD Promotion Red 142503 by Visual_Angle_ @ RevoStock
After Effects Project \ Commercials \ Intros \ 3D Elements \ High Tech \ Text Elements
Sound: no; Loopable: no; Downloads: 17; Length: 00:17; Model Release: no.
This project is aimed for presentation and promotion of your CD products. The project is 100% editable in After Effects, no third party plug-ins are required and everything has been kept simple and easy. Simply replace the image and video placeholders and text with your own and you are done. The background elements are also fully editable. The project has been prepared at HD 1920x1080. You can have output for HD 1080 and HD 720 at 29.97fps. All images used in the sample video are included in the project.
This product is an Adobe After Effects project file. It requires Adobe After Effects version CS4 or higher as well as any plug-ins listed fellow: Required After Effects Plugins: None
Keywords: cd, promotion, red, disc, case, promote, promo, dvd, 3d, Compact Disc, optical, digital, data, recording, audio, medium, technology, CD-ROM, CD-R, media, CD-RW, Video, VCD, SVCD, PhotoCD, PictureCD, image, warm.


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Director of Music Job Description
Fall/Winter Worship Schedule
7:30am Holy Eucharist (No Music)
8:45am Holy Eucharist (Contemporary Music)
10:00am Sunday School for all ages
11:00am Holy Eucharist (Traditional Music)
Click here for Disaster Preparedness & Response information
Visit us at 320 Pollock Street in historic downtown New Bern.
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Phone 252-633-2109


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The Iowa basketball team will do something Wednesday night it hasn't done since Dec. 21.
Play an unranked opponent.
Riding a three game losing streak, the Hawkeyes host Northwestern tonight at 7:30 (CST) inside Carver-Hawkeye Arena. The game can also be seen on the Big Ten Network.
Although Northwestern (10-4, 1-3) is unranked, the Wildcats have played extremely well this season.
While the squad still runs its trademark "Princeton-style offense," the Wildcats are a much more explosive offense than in years past.
Northwestern averages 77 points per game and has scored at least 90 points four times this season. The Wildcats had only scored 90 points in a game twice in the last 10 seasons.
Junior John Shurna is a major reason for the increased offense.
One of three Wildcats averaging double figures, Shurna averages 20.4 points per game and is a 58 percent shooter from 3-point range. Teammates Michael Thompson and Drew Crawford average 14.9 and 13.2 points per game, respectively.
"If you don't play with a great level of concentration, they'll carve you up," Iowa head coach Fran McCaffery said Monday during the weekly Big Ten coaches teleconference.
Iowa (7-8, 0-3) will look to put its 75-52 loss to Purdue behind them as it tries to get McCaffery his first conference win. The Hawkeyes turned the ball over 16 times and shot a dismal 36 percent from the field in their Jan. 9 loss to the Boilermakers.
History dictates that this game will be close. Nine of the last 11 meetings between Iowa and Northwestern have been determined by 10 points or less, and six of those games have come down to five points or less.
Projected Starting Lineups, according to Iowa release:
Bryce Cartwright
Matt Gatens
Eric May
Melsahn Basabe
Jarryd Cole
Michael Thompson
JerShonn Cobb
Drew Crawford
John Shurna
Luka Mirkovic


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Pursuing Early Financial Independence through Dividend Growth Investing and other Passive Income.
Monday, March 11, 2013
What is Margin?
An Overview of Margin
Margin is essentially a line of credit that is extended to you by the brokerage that you can use to buy more stock than you could in just a cash account. For example, if you have $5,000 to invest and are using a margin account with a 50% requirement you could buy up to $10,000 worth of stock. For example, if there's a stock you want to buy worth $100 per share, you could only buy 50 shares with your cash. However using margin would allow you to buy up to 100 shares. That's simple enough. The issue then comes when the price of that stock begins to change.
If the share price increases to $125, your account is now worth 100 shares x $125 = $12,500. That $12,500 isn't all yours though since you borrowed $5,000 to purchase the shares, backing that out means your stake or equity is $12,500 - $5,000 = $7,500. Based on your cash that's invested that's a 50% return instead of a 25% return that you would have received from using your cash alone.
If the share price decreases to $75, your account is now worth 100 shares x $75 = $7,500. Backing out the margin again means that your equity is $2,500. So a 25% loss in the stock means a 50% loss for you.
Both of the above calculations are ignoring commission and interest.
As you can see, margin will magnify the return both positive and negative. There is also maintenance margin which is the amount of equity, whether cash or stock value in the account, much cover a certain amount set by the brokerage. This can range from 25% to 40% depending on the broker. So in the above example of the stock declining, your equity must cover 40% of the margin meaning the $5,000 (margin) x 40% <= $2,500 (equity). If the stock falls sufficiently enough to cause your equity to be less than the maintenance margin, a margin call is triggered. Depending on the brokerage you might have to deposit more cash or they could sell some of your shares without your consent to bring it back to level.
Margin Interest
In order to calculate the interest that you'll be charged the equation is fairly simple. The equation is as follows:
(Interest Rate / 365 days) x (Amount Borrowed) x (Number of Days Borrowing Funds)
To determine what you owe we have to go back to the equity calculation from above but rearrange it. The equation becomes Equity - Market Value = Margin. If the amount is zero or positive then you owe nothing. However, if it's negative then you plug that into the equation as the amount borrowed to calculate the interest that you would owe.
Selling Naked Puts
Naked puts are when you don't have the cash on hand to secure the put option. This allows you to sell more put options since the up front cash isn't required. The great thing about selling naked puts in a margin account is that you don't have any interest charges unless you are assigned more shares that you have capital to pay for. You would then use margin to purchase the shares if you were not able to deposit more cash to that account.
For example, I've been looking at selling a $36 strike put on Wells Fargo (WFC). By selling a cash-secured put I would have $3,600 sitting in my account waiting until the options expires to ensure that I have the capital to purchase the shares on expiration. That $3,600 could be put to better use either in my brokerage account or the margin account to help cover more share purchases if the put options were assigned. I'll run through an example using my brokerage's, Fidelity's, requirements.
Their requirement for equity puts are the greater of:
(1) 25% of the underlying stock value plus the premium received minus amount out of the money
(2) 15% of the strike price plus the premium
I'll run through the calculations to show how much cash was needed in a margin account rather than the cash secured basis. On March 8, 2013 WFC was trading at $36.58.
Calculation (1) is as follows:
25% x $36.58 + $2.17 - ($36.58 - $36) = $10.735
Calculation (2) is as follows:
15% x $36.00 + $2.17 = $7.57
Since the margin requirement calculations above are on a per share basis and one option contract represents 100 shares, we multiply $10.735 x 100 = $1,073.50. This is the amount of cash I would need to have in the account versus the $3,600 required for the cash secured put. This is significantly lower than the cash secured route which allows for more flexibility to sell puts.
When selling naked puts, you must be sure to avoid being over-leveraged in case a broad market sell-off happens when you have too many puts open. If you have too many puts that get executed at once that could lead to you having to purchase the shares on margin triggering interest charges or margin calls should the value of the puts decline quickly. I'm strongly leaning towards having margin added to my account but will not be leveraging myself anywhere close to the max. I plan on essentially going the cash secured route by holding that much in the account to start off.
Have you or do you currently use margin with your brokerage account? If yes, is it to purchase stock outright or just the ability to sell naked puts?
13 comments:
Nice write-up. As you know, I use margin to be able to sell a lot more puts than I would be able to with just cash. As long as I meet the margin maintenance requirements I don't have to pay any interest. My goal is to leverage my ability to sell more puts in this ever increasing market and not paying any interest for using margin.ReplyDelete
The biggest drawback as you mentioned would be if there is a big market pullback. I'd be forced to immediately put more cash into my account or I could face margin calls.
It's definitely not for the faint of heart but I've had a lot of fun trading options so far.Replies
Thanks for the help in the calculations. I actually just got margin approval and sold my first put with margin earlier today. I'll be posting about it tomorrow. I think the advantages are there with combining margin and naked puts but the black swan event is always lurking. In a ever increasing market like we've had thus far in 2013 can give some nice results.
The key is to not over leverage yourself.
Thanks for stopping by!
Very awesome article here,I really appreciate this article because the topic has been raised very interesting and written in very deep.ReplyDelete
Nice write up JC. Once my funds increase and my confidence/knowledge improves this is something I will look at for my portfolio. I was looking at margin to purchase stock then do covered calls.ReplyDelete
One thing I don't understand though is if I brought stock on margin could I decide to pay back the "loan" at anytime without selling the stock?
I need to find a virtual trading platform that covers margin if there is such a thing!Replies
I think as long as it's used right, margin can be very useful. I would think all you would need to do is deposit more cash into the account to pay back the "loan". But I'm not an expert at all and it probably still depends on the brokerage.
I mainly wanted the margin account so I could sell more puts. Having the margin act as the deposit is nice.
No matter how you use margin, it's very important to monitor your account and not get overleveraged. I'd hate to be forced into selling some of my positions because the markets took a big drop forcing some margin calls.
Thanks for stopping by!
Thanks for a good overview of margin. I have a personal rule against borrowing money to invest, so no margin for me. However, I acknowledge that margin can benefit some investors if it is used conservatively and wisely.ReplyDeleteReplies
I won't be using it to purchase stocks because that's just asking for trouble. However, using it to sell naked puts is more of a line of credit that hasn't been tapped. As the puts that I sell get closer to expiration and look like they might be expiring out of the money I can then sell other puts. The key is to not over leverage yourself and I plan on just barely using margin and essentially selling cash secured puts by having that money in the account to start with.
Thanks for stopping by!
Nice explanation. I even created a spreadsheet calculating my margin and maintenance requirements for each trade I want to take to see if I would have enough maintenance to carry the trade. It helped me a lot in the past, since I am using margin a lot. Making money with other people's money!!!ReplyDeleteReplies
I'll be getting a spreadsheet put together for mine, of course it won't be too useful to others since the requirements vary across brokerages. I don't think I'll be using it to purchase any stocks, but just stick with the naked put route for now.Delete
Thanks for stopping by!
I have used margin on many occasions, mainly to buy equity positions. On the whole it has been greatly beneficial. I suffered some in 2008/2009, but i put that down to being greedy with margin. I don't think I could have created the wealth or dividend income I have today without it.My use of margin today is more for opportunistic purchases. If I don't have dividend income and there is a special opportunity, I deploy margin, and then repay once dividend income is sufficient to repay.ReplyDeleteReplies
It can be very useful if used properly, but being overleveraged at the wrong time such as 08/09 can really hurt. I like that idea of using it for special situations to purchase but then keeping most of your cash invested. For now I think I'll be sticking with just selling naked puts but in the future that could change.
Thanks for stopping by!
This was a great overview. I've been reading a lot about margin trading and may try to get margin and naked put selling privileges from my broker. I'm not sure if I'll be able to or not, I hope so. I think that a margin/put combo will make a great addition to my portfolio.ReplyDeleteReplies
The naked put option is what I'm most excited about. I think as long as you have some option experience and the minimum equity value, mine was $25k for my brokerage, then it's fine. The margin/naked put is a great combination as long as you manage it well to see keep from being overexposed in case of a big market drop.
Thanks for stopping by!


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Medics warn it will take a 'generation' to reverse 'damage' done by Junior Doctors reforms
THE "damage" done by Jeremy Hunt's contentious reforms to Junior Doctors' contracts will take a "generation" to reverse, a senior doctor representing tens of thousands of British medics has warned.
A protester holds a placard at a demonstration in support of junior doctors in London
Ahead of a march on Parliament this afternoon, the deputy chair of the British Medical Association spoke exclusively to Express.co.uk issuing a strongly worded rebuke of the Government's position.
Planned contract changes will see trainees working more hours for less pay - a move they say puts patient safety at risk.
The changes, which medics fear will mean pay is slashed by up to 40 per cent, are part of the Health Secretary's attempts to trim money from his department's budget.
Junior Doctors will also be forced to work unsociable hours without pay perks, as their normal working hours will be extended from 7pm to 10pm and to include Saturday, cutting their extra hours pay.
Dr Kailash Chand has today warned that the NHS will end up with a "far bigger bill" and said the proposals were driving doctors to leave the UK.
He said: "The inevitable effect of this is the much greater risk to healthcare provision and patient safety throughout England, with the daunting prospect that it would take a generation to reverse the damage."
Protestors marched on Parliament this afternoon
Planned contract changes will see trainees working more hours for less pay
The GP and campaigner accused Mr hunt of "stubbornness" for imposing a hugely-unpopular contract on young doctors that will mean the country's "best juniors being creamed off by lucrative contracts abroad", while putting many bright youngsters off studying medicine altogether.
He added: "Proposed NHS Employers terms on trainees' contracts are regarded as being unsafe to patients whose care could be compromised due to long working hours, and unfair due to level of pay proposed.
"To add insult to injury, junior doctors now face a punitive contract that will slash their earnings by up to 15 to 40 per cent depending upon their speciality.
"No surprises then that in the last month the General Medical Council received several thousand requests for certificates allowing doctors to work overseas.
"Does Jeremy Hunt realise that this punitive contract will result in our best juniors being creamed off by lucrative contracts abroad and furthermore, it will put many bright youngsters off studying medicine?"
Thousands of doctors are marching this afternoon in protest at the changes being put forward.
Doctor Sheneen Meghji, 32, a trainee from London, accused Mr Hunt of "peddling some vicious lies to the media, to patients and to the public in general".
Strike action among doctors is still on the cards after negotiations broke down between NHS Employers and the BMA over the contract, which covers all doctors up to consultant level.
A series of letters between Mr Hunt and Dr Johann Malawana, head of the junior doctors' committee at the BMA, have failed to bring the two groups back to the negotiating table.
The protest started at Waterloo Place, and a march will move along Pall Mall and Whitehall.
It will end in Parliament Square outside the House of Commons between 5pm and 6pm.
Protests in Belfast and Nottingham will also take place on Saturday, and in Dundee on Sunday.
Sign our petition here to urge the Government to reconsider the proposed changes to Junior Doctors' contracts.
Junior Doctors will also be forced to work unsociable hours without pay perks


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Lock and Key Personalized Hand Stamped Necklace
She unlocked the love within your heart and now holds the key. Give her a romantic symbol of your love. This chain holds a disc charm that is hand stamped with your name while a key and lock charm add a whimsical touch.


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- Please select a date to see the proper prices!
- Meal can be requested on the spot
Best offer
89 € / person / night, no meal
Description of the Accommodation
Rooms, services Lindauer Hof Lindau (Lake Constance) is welcoming all guests in Lindau (Bodensee) with 30 comfortable rooms to stay in. You are also welcome at the guesthouse for a fine local meal in the restaurant. Car parking possibility is available nearby. If you are curious to discover the highlights of the area, you may also rent a car nearby. Nearby bike rental, billiard, minigolf, water ski, sailing, surfing and boat rental opportunities will provide an excellent chance to spend your leisure time actively. The café is an ideal place to host a personal meeting or a pleasant evening talk. In the safe you can secure your valuables. In case you'd bring your laptop along, you may go online via wireless Internet connection (WiFi) available at the guesthouse. The exact list of services available at Lindauer Hof Lindau (Lake Constance) (including those for an extra fee) and the exact list of equipment in a room can be found on the information sheet below.
Payment Advance bank card payment or credit card guarantee may be required for the reservation, depending on the chosen date, room and price.
Arrival, opening hours The earliest check-in time is 15:00, the latest check-out time is 11:00. The personnel is at your service in English and German languages.
Lindauer Hof Lindau (Lake Constance) rooms Rooms
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Accommodation services
Parking (14 €/night)
Free WiFi in shared places
Relaxation: Billiard, Squash, Minigolf, Bike rental at the accommodation
Car rental nearby, Water skiing nearby, Sailing nearby, Surfing nearby, Boat rental nearby
- Hairdresser's parlour
Pet friendly (15 €/night), Cafe, Elevator, Safe deposit box, Room service
Own restaurant
Hairdryer, Desk in the room


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One For the Road Satin Dress
50% Off Everything
$16.00 $32.00
style #AGG95647Add to Crushes
One For the Road Satin Dress
50% Off Everything
$16.00 $32.00
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One for my baby. The One For the Road Dress comes in satin and features a one shoulder, relaxed, mini silhouette, tie at shoulder, and cut-out at sleeve.
Details and CareFabric: 100% Polyester. Machine washable. model wears size UK 8/US 4.
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+ We'll cover duty and tax costs on all orders.
Delivery option Delivery times Delivery cost Canada Standard Up to 8 business days $11.00 Canada Express 4 business days $30.00
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We hope you are satisfied with all of your purchases but if you ever need to return an item, you can do so within 28 days from the date your parcel was dispatched.
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