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Money Lessons Learned the Hard Way
However, you reside and also you learn, right? It happens to the best of us. And sometimes, the lessons you learn the exhausting way are the ones that basically stick. We asked numerous writers and bloggers in the personal finance community to recall some money lessons they learned through the faculty of exhausting knocks — here's what they said:
Lesson 1: Treat student loans with respect – and keep in mind that it all needs to be paid back.
Lance Cothern (Money Manifesto): After accumulating over $80,000 in student loan debt over my wife's time in college, we learned the exhausting way that you must only take out the minimal amount of student loan debt that you're going to have to graduate. When you think you want some luxuries when you're in college, we quickly realized we needed to pay all of that money back, plus interest, after she graduated. Fortunately, we were capable of hustle exhausting and repay the greater than $80,000 in student loan debt in lower than three years. Unfortunately, we needed to live a really frugal lifestyle — identical to we should always have in college — to make it occur.
Chenell Tull (BrightCents.com): The monetary mistake I learned the exhausting way was not planning ahead when it got here to taking out student loans. I took the most every semester and told myself I might figure it out later, once I had graduated and had a great job with my degree – in geography, may I add. It was quite obvious that I knew nothing about personal finance or the job market throughout that point (post-recession, 2009). I left college with $72,000 in student loans, and I'm still paying for that mistake years later. However, I've learned to have a technique and put a plan in place BEFORE taking over that type of burden – though I doubt I might even tackle a car loan after this expertise.
Kirsten Whittingham (IndebtedMom.com): Throughout my last year in college, my mother passed away. I inherited enough money to repay my student loan debt and that of my future husband's. We were so assured that we might earn enough money to cover our payments that we used the money to purchase a new car (my car wasn't running anymore) and for a house down payment. Those appeared like good investments at the time. In any case, a mortgage is "good debt." Now, we try to sell our house (for a loss) and do not have that "new" vehicle anymore. However we still have $70,000 in student loan debt. Lesson learned: Repay debt first.
Natalie Bacon (The Finance Woman): The most important monetary mistake I made was financing personal undergraduate schooling along with law faculty. This landed me $206,000 of student loan debt. While my debt is right down to $130,000 now, it is a exhausting battle. I do not travel much and I do not own a home. I've learned a ton from this expertise, however unfortunately, it is a lesson that may take years to recuperate from. My recommendation to anybody considering law faculty: Don't do it if you need to finance it! The pay isn't worth the debt in today's economy (see several New York Times articles for more on this). The positive from this expertise is now I do know more about money than I ever would have known otherwise – and that's turning out to be priceless!
Lesson 2: Obey the power of compound interest, and all the time arm yourself with info before you invest.
Kate Dore (CashvilleSkyline.com): I ended investing for a whole year throughout the monetary crisis! I used to be young, had a really restricted understanding of market cycles, and freaked out when my investments lost a piece of their value. While I used to be squirreling money right into a savings account, I missed out on some seriously good deals. Even worse, I bypassed the chance to earn compounding returns on recent capital for an entire year! Now, I think long-term and plan to ride out future market corrections by all the time continuing to invest.
Andrew Schrage (Money Crashers): I learned that waiting even just some years longer to begin saving for retirement can put an enormous dent in your final savings numbers because of the power of compound interest. Begin early and save as much as potential to really get your monetary future on target. Don't wait and do not cater to your short-term wants as an alternative, as tempting as that's.
Gary Weiner (SuperSavingTips.com): At age 23, I heard a radio program that includes my former brother-in-law, whom I idolized, looking for investors for his latest venture. I met with him wanting to invest, and he tried to talk me out of it before reluctantly selling me half a share (nearly $10,000, decades ago). I went to his workplace in New York with my check, which he made me re-write as payable to cash before giving me my stock certificate, numbered #0001. He told me I might receive info in the mail shortly, however when the mailing never arrived, I attempted unsuccessfully to get him on the phone. Finally, I went to his workplace which had mysteriously closed. The subsequent time I saw him was on the evening news being led off to jail for fraud.
Lesson 3: Whenever you make a loan, get all terms and conditions in writing (if you wish to be paid back).
Valerie Rind (ValerieRind.com): My husband asked for a loan to cover a cash-flow crunch at his begin-up architectural firm. Blindly, I gave him the money despite the fact that I did not: (a) know much about his monetary past; (b) ask about his business plan; (c) get a correct IOU; or (d) follow as much as see how the money was spent. One loan became several, and in the finish I lost my entire life savings, plus the marriage imploded. On the positive aspect, I cast new careers in personal finance and writing. A new life, a new life savings!
Lesson 4: Do not get on the new-car hamster wheel – or buy more can than you'll be able to afford.
Kimberly Parr (EyesOntheDollar.com): I think certainly one of my worst monetary mistakes was buying a new car shortly after getting my first job, despite the fact that my paid-off Honda Accord still ran simply fine. After that, my husband and I traded our cars for new models each few years for the next decade, primarily chaining ourselves to two car loans for 10+ years. There is a good chance that Accord would still be running, and I might have about $100,000 more in internet worth as an alternative of the thrill of new car smell and heated leather seats.
Steven Donovan (EvenStevenMoney.com): Certainly one of the biggest mistakes I made right out of school was buying a car that I could not really afford. I purchased a pleasant Mercedes Benz and I financed 100% of the car; add coverage, gas, and maintenance to the combine and I discovered myself very broke with a pleasant car. I learned the exhausting way that purchasing a pleasant car that you simply think you deserve and may afford is the reason most people stay in debt today. My money would have been higher off paying off student loans or investing in my 401(okay), not making payments to a bank for a car I could not afford. I have never owned a car since I sold my Mercedes virtually 5 years ago and I could not be financially happier.
Lesson 5: Do not forget to shop around… for everything!
David Rubenstein (CreditShout.com): I got an excellent quote for car coverage right after graduation, so I stayed with that company for over 10 years. Afterward I came upon that after the third year, they were charging me amongst the highest rates going. Only after a friend told me to shop around did I understand how much money I wasted over the years. In fact, they tried to win my business back. However it was too late.
Donna Freedman (DonnaFreedman.com): After fleeing an abusive marriage I used to be so dazed that I signed up with my sister's car coverage agent. Life got more hectic by the hour so I let "coverage worth quote" fall off the radar. 5 years later I used an coverage tool to locate a better deal and learned I might been overpaying by virtually $700. Did I mention "5 years"? What really made me shake my head, though, was that I assumed I "did not have time" to comparison shop – however I had time to do stuff like walk places to save $1.75 on bus fare, babysit, do online surveys, etc. What number of surveys would I've needed to do to make $3,500? Pick the lowest-hanging fruit first. Worth quotes for coverage, cellphones and cable/Web provide the most bang for the budget.
Lesson 6: Don't fall into the straightforward financing lure.
Grayson Bell (DebtRoundUp.com): I learned to not get sucked into low financing promotional rates, particularly when listening to the radio. On a whim (seriously, a whim), after hearing an ad for a Jetski, I purchased one. Well, I financed it. They were offering $69/month payments, however what I did not catch is it goes up after a year and the finance charges were retroactive to the original loan amount. I did not pay it off, ended up breaking down, and I sold it for $800. I lost a ton of money and far of my pride. Certainly one of the worst monetary mistakes I've made so far.
Lesson 7: Do not buy a house without doing all of your analysis.
Daniel Zajac (FinanceandFlipFlops.com): I purchased a house in my early 20s because I assumed it was cool. I totally underestimated other factors similar to location independence (particularly as a 20-something), maintenance, and transaction costs of a sale. Renting, in lots of situations, could be the best bet.
John Schmoll (FrugalRules.com): The most important monetary mistake I've made was buying our first, and current, house with no money down. We bought it a bit over eight years ago at the height of the bubble. We were about able to have a toddler and had the preconceived notion that we needed to be in a house. The lesson I learned out of it's to wait and see financially and take your time in making a serious purchase. I allowed emotion to guide what we did as an alternative of taking a tough look at the numbers to see that it simply did not make sense for us at the time – quite that we should always have waited one to two years to build up a large down payment.
J. Money (Budgets are Attractive): My biggest monetary mistake was buying our house at the peak of the market with no money down, no budget, and within 48 hours of which means to look for an apartment to rent. I literally took one incorrect flip down a street and have become a home owner on a whim (!). Everybody told me it was "the American Dream" so I pulled the trigger without really asking myself if it were *my* dream. A helluva get up call to have, however one I'm very thankful for because it utterly rotated my funds in addition to my career Cannot say I regret it (though I still hate the thing).
Lesson 8: A life and not using a budget is a life and not using a plan.
Zina Kumok (DebtFreeAfterThree.com): I interned in New York City before my senior year in college. I used to be truly making good money and hoped to save about $4,000 by the finish of the summer. However I ate out all the time (sometimes 3 times a day), used cabs as an alternative of the subway, and shopped regularly. I knew about budgeting, however did not try and limit my spending. The subsequent summer I had an unpaid internship – so having that $4,000 cushion would have been very nice. I'm still kicking myself for wasting a lot money, particularly once I knew I might graduate with $28,000 in student loans.
Michelle Schroeder-Gardner (MakingSenseofCents.com): A monetary mistake I learned the exhausting way was that I worked full-time all throughout college, however spent my money on everything and something apart from my student loans and tuition bills. This led to me racking up far more in student loan debt than I needed to, which I needed to pay back later down the line (I'm fortunately out of student loan debt now!). I've since learned the way to manage my money higher, budget more realistically, and I do know where my true priorities are. Buying all of those clothes and meals out was an enormous waste of money!
Joseph Hogue (Peer Finance 101): I got in on the starting of the real estate boom in 2002 and made some really good money, an enormous begin for a 26 year old. Unfortunately, I made the same mistake so many others make when suddenly coming into money. I never had material wealth before and thought happiness might be bought. I paid cash for a new Porsche Boxster, a Rolex, designer clothes, and a house way greater than I needed. It was fun for a short while however I ultimately wasted lots of money. I still have a pleasant nest egg and do well however I wish I had learned the real value of things earlier.
Jacob Wade (IHeartBudgets.internet): I learned that giving an adolescent $100,000 to spend nevertheless they'd like is NOT a great monetary move. I received an inheritance of $25,000 once I turned 18, and at the same time received $70,000 after breaking my neck in a horrific car accident. I (fortunately) recovered quickly, however now had about $100,000, no budget, no plans, and lived WAY too near the mall. I blew through ALL the money in two years. I now know the way to handle ANY windfall in the future, and it involves mutual funds, not mall food.
Marissa Anwar (ThirtySixMonths.com): I used to be young and naive, and really superficial when it got here to my spending. I spent $1,200 on three pairs of jeans (they were really, very nice ones with holes and rips everywhere) and took the tags off to sneak them in the house. My mom, bless her heart, determined that they looked too worn and included them in her Salvation Army roundup a couple of days later. I still have not told her how much those cost.
Lesson 9: Debt can have an effect on your life in additional ways than you understand.
Rebecca Stapler (Stapler Confessions): I used to think of student loans as "good debt." Though I graduated from college without any student loans, I amassed over $100,000 in student loans throughout law faculty. Then I married one other lawyer and we combined our funds to discover that we were drowning in over $200,000 of student loans. I did not understand that being so heavily leveraged would require us to pay $1,300 a month in debt service alone, and impact our decisions about what areas of law to apply, what number of youngsters we might have, and where we might live. Now that we live that reality, we now have learned to love the frugal life. So, I assume that's two monetary lessons learned the exhausting way!
John Rampton (Due.com): Once I was younger, I might pay the minimum on my bank card each month. I did this for nearly two years before I noticed that I wasn't paying off a dime of my debt, I used to be simply paying that $200/month in interest. I then sold my fancy car to repay the debt. I literally paid of my debt twice over. Since that day I have never let something get past one month on my statement without paying it off. Sometimes you simply need to pay it to learn.
Lesson 10: Cash flow trumps assets (and everybody wants an emergency fund).
Kurt Chisholm (InnovativeWealth.com): I used to be a great saver in college. Because it was in the late 1990s, all my savings went directly into the stock market. How might I lose? The reply got here in 2001-2002. I needed to dip into my savings to pay for a big purchase. I needed to sell my stocks to make this purchase. This was painful, and it taught me that it is very important have an emergency fund or about six to 12 months of my earnings in cash. Don't "invest" your emergency savings. Cash is king.
Amanda Abella (AmandaAbella.com): I wasn't being diligent with saving up an emergency fund and as luck would have it I had an unexpected dental procedure done at the finish of last year. It wasn't covered by coverage (naturally), so I got myself into some debt by putting it on the bank card. It sucked. Now I'm super aggressive about putting money in my emergency fund.
Todd Tressider (FinancialMentor.com): My biggest monetary mistake was selling a profitable, stable business for a comparatively small multiple of cash flow. By the time I paid taxes on the profit there was no way I might replace the revenue stream by investing what was left. Quite than enjoy the sweet milk of this cash cow business I foolishly slaughtered it for a couple of pounds of hamburger. The lesson learned was how a perpetual stream of cash flow can truly be much more exciting and valuable than a big, lump sum of cash after paying taxes on the gains.


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Bestselling author C.L. Taylor has been storming the adult bestseller charts for the last few years with her tense, psychological thrillers including the most recent No. 2 Sunday Times bestseller, The Escape. But today, we're celebrating her pulse-pounding debut YA novel, The Treatment, which follows Drew Finch as she tries to rescue her brother from a sinister government Read More
Archive | Young Adult
Publication Day: It Only Happens in the Movies by Holly Bourne
Perfect kisses in the rain, the bad boy turned good, chasing you through the airport… It Only Happens in the Movies! Today is the day: Holly Bourne has finally torn away the masquerade of romance in movies with her stunning new standalone YA book, It Only Happens in the Movies. From explaining to us Read More
The Glow Of Fallen Stars by Kate Ling and The Spectacular Holly-Day by Dave Lowe: Publication Day
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MM Agency Authors at YALC
Now in its fourth year, YALC – the Young Adult Literature Convention – is the place to be if you're a fan of YA fiction. Bringing together fantastic authors, publishers and readers, three of our authors will be appearing this year across author events, writing workshops, book signings, book-themed activities and more. Hayley Read More
Caledonia Novel Award 2018
To all unpublished writers! The brilliant Caledonia Novel Award is now accepting entries for its 2018 competition. Based in Scotland, but with an international outlook, the award is open to all unpublished or self-published works from around the world, and has an excellent reputation for discovering writers who go on to sign deals Read More
Roll Up! Publication day for Show Stopper by Hayley Barker
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Holly Bourne at Waterstones Piccadilly: Keep It In The Family
On Tuesday 9th May Waterstones Piccadilly will be hosting our wonderful, prize-winning YA author Holly Bourne, who will be discussing families in Young Adult literature alongside Rachael Lucas, Tamsyn Murray and Paige Toon. In what will be a fabulous and fascinating evening, they will explore the role of parents, grandparents and stress-you-out-siblings in their latest Read More
SHOW STOPPER: Hot off the press
One of the best things about this job is watching an author see their book come to life in actual edited, typeset and bound form, so the afternoon we spent with debut author Hayley Barker at the printing press was truly brilliant. CPI in Chatham is the place where that new book smell Read More
Alice Sutherland-Hawes: What I'm Looking For
Actively looking for: Middle Grade for 9-12 (standalone and with series potential); tween stories to fit between MG and YA; quirky picture book illustrators; non-rhyming picture book texts; brilliant world-building; diverse and marginalised authors across all ages and genres. Alongside my role as Rights Agent, I am also growing a Children's, YA Read More
Holly Bourne to judge BBC Young Writers Award 2017 & AM I NORMAL YET? wins Southern Schools Book Award
We're thrilled to share the news that Holly Bourne will be judging the BBC Young Writers Award 2017 alongside Nikesh Shukla and Alice Levine. The award is open to all young people aged 14 to 18, who live in the UK. All you have to do is create a story of up to Read More
SHOW STOPPER by Hayley Barker sold to Scholastic in two-book deal
We're thrilled to announce that the fantastic debut, SHOW STOPPER by Hayley Barker has been acquired by Scholastic in a two-book deal with the first to be published in June. Show Stopper is a story of death-defying acrobatics, cruel games and forbidden teenage love set in a deadly circus. In the story, our country Read More
C J Daugherty's THE SECRET FIRE nominated for the Amazing Book Awards
We are excited to announce that the first book in the Alchemist Chronicles, The Secret Fire by C J Daugherty and Carina Rozenfeld, has been long listed for the Amazing Book Awards. Sussex coast students will now vote for the long listed books they would most like to read. On 1st February the top 5 books Read More
Publication Day for AND A HAPPY NEW YEAR? by Holly Bourne
Holly Bourne is published, finishing their story with one amazing, disastrous, emotional night… Spinster Club girls Evie, Amber and Lottie are having a New Year party to remember! For the first time since leaving college, all three girls are back together. It's time for fun and flirting, snogs and shots. (And not tears and Read More
Holly Bourne and Lara Williamson Nominated for CILIP Carnegie Medal 2017
We're utterly thrilled to announce that two of our authors, Holly Bourne, author of The Spinster Trilogy and Lara Williamson, author of A Boy Called Hope, have been nominated for the CILIP Carnegie Medal 2017, one of the most prestigious prizes in writing and illustrating for children. The books nominated are What's A Girl Gotta Read More
French Publication THE SECRET CITY by C.J. Daugherty & Carina Rozenfeld
Today is the French publication day for THE SECRET CITY by CJ Daugherty, the bestselling author of the NIGHT SCHOOL series, and Carina Rozenfeld. This is the second book in the ALCHEMIST CHRONICLES. Robert Laffont are publishing under the title LA CITÉ SECRÈTE. Here is their fantastic cover: THE SECRET CITY is published in the UK by Read More
Italian Publication for THE LONELINESS OF DISTANT BEINGS by Kate Ling
Today is the publication of the Italian edition of the mesmerising LONELINESS OF DISTANT BEINGS by our very own Kate Ling. It's being published by Il Castoro under their new HOT SPOT imprint. Here is their gorgeous cover: Make sure you get your copy of the Little, Brown edition here.
Spanish Publication THE CRESSWELL PLOT
Today is the Spanish publication of Eliza Wass' hauntingly beautiful THE CRESSWELL PLOT. Ediciones B are publishing as EN EL BOSQUE, with this amazing jacket: Congratulations to Eliza! You can get your UK copy here.
Publication Day for THE SECRET CITY by C. J. Daugherty and Carina Rozenfeld
It's here! The heart-stopping, hair-raising, excitement-inducing sequel to The Secret Fire, THE SECRET CITY by C. J. Daugherty and Carina Rozenfeld is out today. C. J. Daugherty was also featured in the Daily Mail this week, talking about her own experiences which she drew on for the book! 'Remember: Demons lie' Locked Read More
THE SECRET CITY Book Trailer
Ahead of Thursday's publication of THE SECRET CITY by C. J. Daugherty and Carina Rozenfeld, this incredible trailer was released yesterday. Thrilling, creepy and brilliant, we can't wait for the book to be hitting the shelves in two days so you can read it for yourselves. If this doesn't make you want to buy it, Read More
Publication day for FIRE WITCH by Matt Ralphs
At last, the sequel to the incredible FIRE GIRL by Matt Ralphs is here: FIRE WITCH. It's out today and is perfect for young readers with a taste for the extraordinary! Hazel Hooper is no ordinary girl. She is a Fire Witch, and she is furious. Ever since her mother, Hecate, sacrificed herself to Read More
German Publication SECRET FIRE by CJ Daugherty and Carina Rozenfeld
We're very excited about today's German publication of THE SECRET FIRE by CJ Daugherty and Carina Rozenfeld. Oetinger, the publisher of the bestseller NIGHT SCHOOL are publishing "Die Entflammten" with this fantastic cover: Get hold of your UK editions here.
Holly Bourne in conversation with BuzzFeed
Yesterday, this amazing interview with Holly Bourne went live on BuzzFeed. After #IAmAFeminist trended worldwide on publication of What's A Girl Gotta Do?, Holly found herself reliving Lottie's own character arc, reporting and blocking abusive Twitter trolls. Take a look at the full interview for some inspiring words from Holly and here's an excerpt below: Read More
Publication Day for WHAT'S A GIRL GOTTA DO? by Holly Bourne
After a super weekend at YALC, Holly Bourne's WHAT'S A GIRL GOTTA DO? is officially out in the world, published today by Usborne. Lottie is fed up. She's fed up of her parents pressurising her to get into Cambridge, she's fed up of bad things happening to good people, but most of all she's fed Read More
Holly Bourne's I AM A FEMINIST piece trends Worldwide
Yesterday, Holly Bourne wrote this incredible piece I AM A FEMINIST on her website. Within a few hours, hundreds of thousands of tweets were flying from young women and men around the world declaring their own reasons for why, they too, are feminists. #IAmAFeminist was a top trend in both the UK and the US Read More
MM Agency Team Top Fives – Young Adult
To celebrate YALC we have spent (part of) the morning compiling lists of our favourite YA titles, an activity which proved surprisingly hard when we're not allowed to add any of our own wonderful YA authors! Thérèse's top 5 picks: 1. We were Liars by E. Lockhart 2. Rebel of the Sands by Alwyn Hamilton Read More
Dutch Publication THE LONELINESS OF DISTANT BEINGS
Last week saw the Dutch publication of Kate Ling's mesmerising THE LONELINESS OF DISTANT BEINGS. The wonderful people at Uitgeverij Moon published under the beautiful title EENZAAM EN EXTREEM VER WEG. This is their cover along with the rather gorgeous postcards they created for the occasion: Here's one of the first fab blog reviews of Read More
Holly Bourne's AM I NORMAL YET? wins Lancashire Book Award 2016
We are absolutely delighted to announce that our bestselling YA author, Holly Bourne, has won the 30th annual Lancashire Book of the Year Award , 2016, with her fantastic novel AM I NORMAL YET? The award is voted for by Year 9 students in twelve high schools around the county. Each school is given Read More
Publication Day for THE CRESSWELL PLOT by Eliza Wass
Today is the US publication day for the dark and chilling THE CRESSWELL PLOT by Eliza Wass. It is being published by Disney Hyperion, and here are some of the fantastic reviews so far: "A breathtaking, gut-wrenching coming-of-age saga. Readers will be swept into the Cresswells' claustrophobic world and ache for them long after it's set aflame"―Kirkus Read More
New Spinster Club novella from bestselling YA author Holly Bourne
Following the phenomenally successful Am I Normal Yet?, How Hard Can Love Be?, and the soon to be published What's a Girl Gotta Do? Holly Bourne is back this winter with a Spinster Club special. …And a Happy New Year? – a Spinster Club novella – will be published in hardback by Usborne on Read More
WHAT'S A GIRL GOTTA DO? by Holly Bourne named Bookseller's 'Book of the Month'
We are excited to see that What's a Girl Gotta Do? by Holly Bourne has been selected as the Bookseller's 'Book of the Month' for teen readers this upcoming August! This is the third and final installment in Bourne's spirited trilogy, which follows three young women as they struggle to overcome the perils of love, friendship, Read More
Publication Day for THE LONELINESS OF DISTANT BEINGS by Kate Ling
Today is the publication of the utterly mesmerising THE LONELINESS OF DISTANT BEINGS by Kate Ling. It is the first book in a trilogy and is being published by Little, Brown. "This is how it feels to realise that your whole miserable life and everything in it has never been yours, has always belonged Read More
World Book Night and Holly Bourne's AM I NORMAL YET?
World Book Night was this weekend, and we were so excited that Holly Bourne's Am I Normal Yet? was one of the fifteen fantastic titles on their list to be given away this year. The list was curated to reach specific audiences with different attitudes or approaches to reading, and the selection of Am I Read More
Publication Day for IN THE DARK, IN THE WOODS
Today is the publication of Eliza Wass's haunting debut IN THE DARK, IN THE WOODS, which is being published by Quercus Books. Pre-Publication Praise "it's a breathtaking, gut-wrenching coming-of-age saga from all sides. Readers will be swept into the Creswells' claustrophobic world and ache for them long after it's set aflame. A harrowing, pulpy page-turner along Read More
HOLLY BOURNE on YA BOOK PRIZE Shortlist 2016
We're delighted that our wonderful author HOLLY BOURNE has made the shortlist of this year's YA BOOK PRIZE with AM I NORMAL YET?! The YA book Prize is now in its second year, having been awarded last year to Louise O'Neill for ONLY EVER YOURS. The winner will be announced on the 2nd of June. Read More
Publication day for HOW HARD CAN LOVE BE by Holly Bourne
How Hard Can Love Be?, the second book in The Normal series by Holly Bourne, is published today by Usborne! All Amber wants is a little bit of love. Her mum has never been the caring type, even before she moved to California, got remarried and had a personality transplant. But Amber's hoping that Read More
Holly Bourne nominated for the 2016 Carnegie Prize
We are delighted to announce that our superstar YA author Holly Bourne as just been nominated for the 2016 CILIP Carnegie Medal with her hilarious, stigma-busting book AM I NORMAL YET? The longlist which will be announced in February, followed by the shortlist in March. A full list of all 2016 nominated titles is available Read More
Literary Agent Sarah O'Halloran's Wish List
I started at the Madeleine Milburn Literary Agency last month and now that I've mastered the coffee machine I thought it was high time I let you know a little bit more about the kind of books that excite me. I'm looking for upmarket commercial fiction, reading group fiction, accessible literary fiction, children's and Read More
The launch of THE SECRET FIRE by C.J. Daugherty and Carina Rozenfeld
The first book in the Alchemist Chronicles, The Secret Fire, co-authored by bestselling authors C.J. Daugherty and Carina Rozenfeld, was launched last night at Hatchards, London St Pancras. C.J Daugherty is the international bestselling author of the Night School series, translated into over 22 different languages, and Carina Rozenfeld is the French bestselling author of Read More
Cover reveal for THE CRESSWELL PLOT (US edition)
We are very excited to share Disney Hyperion's cover for THE CRESSWELL PLOT by Eliza Wass! THE CRESSWELL PLOT has been sold in the following foreign language territories so far: Chinese Complex: Star East, German: Magellan Verlag, Portuguese (Brazil): Verus Editora, Spanish: Ediciones B, Italian: Il Castoro Quercus will publish simultaneously in the UK – Read More
MM Agency Summer Post – Carina Rozenfeld
Today's author interview is a special Guest author: the lovely Carina Rozenfeld, prize-winning French author of sci-fi and fantasy, published in France by Robert Laffont, who has co-authored the upcoming action-packed, supernatural adventure series THE SECRET FIRE. The first book will be published by Little Brown on 10th of September! If you weren't writing, what other job Read More
MM Agency Summer Author Interview – Kate Ling
For our second summer interview with MM authors, we are quizzing Kate Ling whose forthcoming YA trilogy THE LONELINESS OF DISTANT BEINGS will be published by Little Brown Kids next Spring and already has six foreign sales! What's your daily routine when you are writing? Since I have a day job, I mostly write at night. Usually I start Read More
Publication day for AM I NORMAL YET by Holly Bourne
Am I Normal Yet by Holly Bourne is published in the UK today by Usborne. "I'm actually quite smart when I'm not being sectioned." It's tough being a girl… All Evie wants is to be normal. And now that she's almost off her meds and at a new college where no one knows her as Read More
MM Agency authors attend YALC
This weekend saw the return of the Young Adult Literature Convention, or YALC, at the London Film and Comic Con, which took place at Olympia. This year's jam-packed event proved a real hit with authors and readers alike, providing workshops, activities and talks and discussion panels where authors spoke about big YA themes ranging from Read More
First ever YA book pop song: The official Night School song is out today!
Watch the official music video for "Night School" by Betsa – the first ever song for a YA book! The song is inspired by the Night School series by C.J. Daugherty. As well as watching the video on YouTube, you can buy the song on iTunes, and all other music download sites. See the coverage Read More
C.J. Daugherty to appear at YALC at London Comic Con
Saturday 18 July 2015: 12:30pm and 4:00pm C.J. Daugherty, author of the international bestselling Night School series and co-author of the upcoming Secret Fire series, will be appearing on a panel at YALC to talk about writing strong characters at 12:30pm on the 18th July. She will also be signing copies of her books. C.J. will Read More
News & Reviews – Madeleine Milburn Agency
Lara Williamson wins the Hounslow Junior Book Award and the Hillingdon Secondary Book of the Year 2015 In addition to these awards, A Boy Called Hope has also been shortlisted for The Waterstones Children's Book Prize 2015, Leeds Book Awards 2015 (9-11 category), Cheshire Schools' Book Awards, Lancashire School Library Fantastic Book Award, and the Read More
Publication day for ENDGAME, the final book in the Night School series
Where is Carter West? The spy is gone but the cost has been high – the rebels at Cimmeria Academy have lost their leader and Carter West is missing. Nathaniel can taste victory. But Allie and the other survivors aren't done yet. First they have to get Carter back. Then they plan to make Nathaniel Read More
#100DaysofNormal campaign
Holly Bourne, the bestselling YA author of Soulmates and The Manifesto on How to be Interesting, has launched a new Tumblr site with her #100DaysOfNormal campaign in the lead-up to the publication of Am I Normal Yet? The site is now LIVE and the first post is up! Each day Holly, along with Amy and Read More
Night School Web Series at Comic Con!
The Night School web series held a packed out event at London Comic Con on Sunday as part of Vidfest UK, featuring bestselling author C.J. Daugherty, producer Jack Jewers and members of the cast. The panel session was followed by a signing. The final installment of the Night School series, Endgame, is published next week! Read More
Madeleine Milburn Agency News Roundup
C.L.Taylor and Mel Sherratt continue to go from strength to strength with their recently published titles, recording fantastic sales and placing highly on Bestseller lists. Taylor's THE LIE (Harper Collins / Avon) spent its fourth straight week in the Sunday Times Bestseller chart, having reached a high point of 5th. Selling over 50,000 copies in Read More
Rupert Wallis shortlisted for the Branford Boase Award
Rupert Wallis' mesmerising Young Adult novel, The Dark Inside, has been shortlisted for the prestigious Branford Boase Award The award is given jointly to the author and editor of the most outstanding debut novel for children. The winner will be announced on the 9th July 2015. Please follow this link for full coverage in Read More
Holly Bourne to appear at YALC
'Am I Normal Yet? is a no-holds-barred story of struggling to live a "normal" teen life': Maximum Pop reveals the cover for Am I Normal Yet? Read their article here. If you'd like to get your hands on an early copy of Am I Normal Yet?, Holly Bourne will be appearing at YALC this year, Read More
Bestselling author C.J. Daugherty events at London Book Fair and Comic Con!
This spring is particularly exciting for C.J. Daugherty fans. Ahead of the publication of the final installment of the international bestselling Night School series, Endgame (4 June 2015), and a hotly anticipated collaboration with Carina Rozenfeld, The Secret Fire (3 September 2015), C.J. will be making a number of London appearances! London Book Fair Tuesday 14 April Read More
THE SECRET FIRE Cover Reveal
The dramatic cover for the eagerly anticipated YA collaboration THE SECRET FIRE is revealed today!!! This riveting series by international bestselling author C.J. Daugherty and award-winning YA fantasy author Carina Rozenfeld will be published by Atom on the 3rd of September.
Holly Bourne on Young Volunteers list for Summer Reading Challenge 2015
We are delighted to announce that Holly Bourne is on the Young Volunteers List for this year's Summer Reading Challenge 2015! The Summer Reading Challenge in libraries is the UK's leading reading for pleasure programme for primary school aged children, and it runs in 98% of local authorities in England, Wales and Scotland every summer. Read More
Cover revealed for Night School: ENDGAME
The spy is gone but the cost has been high – the rebels at Cimmeria Academy have lost their leader and Carter West is missing. Nathaniel can taste victory. But Allie and the other survivors aren't done yet. First they have to get Carter back. Then they plan to make Nathaniel pay. The final installment Read More
The Dark Inside on Branford Boase longlist 2015
The Dark Inside by Rupert Wallis has made the longlist of 18 for the Branford Boase Award 2015 Rupert is featured alongside authors including Sally Green (Half Bad), Clare Furniss (The Year of the Rat) and Non Pratt (Trouble). Read the coverage in The Bookseller The BBA was set up to reward the most promising Read More
Night School: The Webisodes
All six webisodes for C.J. Daugherty's bestselling NIGHT SCHOOL series are available now! Read The Guardian article on UK YA's first ever web series Watch CJ talk behind the scenes during the making of the series The Night School YouTube channel is approaching half a million views, and episode 5, ALL THE PRETTY KILLERS, won Read More
Festive Author Posts
In the lead up to Christmas 2014 we will publish a series of festive and inspirational posts written by the authors at The Madeleine Milburn Agency. RUPERT WALLIS Author of the fantastic YA book, THE DARK INSIDE (Simon & Schuster, 2014) – Rupert Wallis read Theology at Cambridge University and holds an MFA in Screenwriting and Writing Read More
Festive Author Posts
In the lead up to Christmas 2014 we will publish a series of festive and inspirational posts written by the authors at The Madeleine Milburn Agency. RADHIKA SANGHANI Radhika Sanghani is a writer for The Telegraph, writing news, features and profiles about women and women's issues. Radhika's debut novel V!RG!N (Harlequin, 2014) is an x-rated Bridget Jones Read More
The Guardian's Best Books of 2014!
We are proud to report that our fabulous YA author, Holly Bourne's witty page-turner has been included in The Guardian's Best Children's Books of 2014 list! Coming to the end of 2014 the Guardian have decided to share their favourite children's and YA books from the past year. The list is complied by The Guardian children's Read More
The start of C.J. Daugherty's thrilling Night School series launches in America
The first in the mesmeric Night School series, Night School: Genesis, by C.J. Daugherty is now available to buy in the US! 'The most exciting teen book series to hit our shelves in ages' Teen Now 'Unforgettable scenes of suspense' Booklist 'Daugherty's storytelling brims with gusto' The FT 'Love, break-ups, murder, fighting, friendships, secrets, hot Read More
The first time a British YA book series has been produced for an online audience
Based on the international bestselling Young Adult books by C.J. Daugherty, Night School the Web Series launches today! As featured on the front page of The Guardian, today marks the launch of the first EVER web series based on a UK YA book. The brainchild of a husband-and-wife team: BAFTA-nominated Director Jack Jewers and author C.J. Read More
Lara Williamson Shortlisted for 8 Book Awards!
We are extremely proud of LARA WILLIAMSON, author of A BOY CALLED HOPE which has been shortlisted for an incredible 8 book awards! This beautifully moving title has proved popular with readers of all ages and nominated for the following prestigious awards: Leeds Book Awards 2015(9-11 category) Cheshire Schools' Book Awards Hillingdon Secondary Book of the Year Read More
C. J. Daugherty's Night School 'Webisodes' to be released before Christmas
The compelling Night School Series by C.J. Daugherty is brought to life in a series of online episodes! Here at the agency we are getting very excited about the release of the first episode of the Night School Web Series. The series will be launched on Daugherty's Youtube channel on the 12th of December, and one episode Read More
C.J. Daugherty and Carina Rozenfeld signing at Montreuil Book Fair 2014
International bestselling YA authors C.J. Daugherty and Carina Rozenfeld will be attending the 'Salon du Livre et de la Presse Jeunesse'(Montreuil Children's Book Fair) this weekend. The Salon du Livre in Montreuil is one of the leading book exhibitions for children and young people in France. C.J. and Carina will be signing books and discussing Read More
Holly Bourne, Rupert Wallis, Lara Williamson and Dave Lowe shortlisted for Children's Book Awards!
We are delighted to announce that four of our wonderfully talented children's fiction authors have been nominated for prestigious book awards. Leeds Book Awards A BOY CALLED HOPE by Lara Williamson has been shortlisted for the 9-11 category, THE DARK INSIDE by Rupert Wallis for the 11-14 category and THE MANIFESTO ON HOW TO BE Read More
Agency authors and international publicity
Author of the international bestselling Night School series C.J. Daugherty has been on several international tours this year, seeing her publishers and fans at book signings, panel events and literary festivals. Recently, C.J attended the Festival du Livre de Mouans-Sartoux in France, and towards the end of this month, she'll be attending the Krakow Book Fair with Read More
Agency authors on award lists
Mel Sherratt longlisted for the CWA 2014 Dagger in the Library Award 'Self-published turned Amazon Publishing author Mel Sherratt joins writers including MC Beaton and Mari Hannah on the longlist for the CWA […] The award is given for a writer's whole body of work to date, rather than a single title. A total of Read More
MM Agency: News & Reviews
Radhika Sanghani in the Evening Standard 'It's a wry and squeamish look at today's social and sexual pressures…' Read the full article here Virgin is released in the UK on September 12th The Manifesto on How to be Interesting by Holly Bourne is No. 1 in the Waterstones School Chart Read Holly Bourne's article, Why School Read More
MM Agency: News & Reviews
Mel Sherratt is one of the first Amazon authors to be stocked in WHSmith and Waterstones A huge congratulations to Mel Sherratt, who is the first Amazon Publishing author to be stocked in Waterstones. WHSmith Travel stores have started stocking titles by Sherratt and fellow Thomas & Mercer authors Mark Edwards and Helen Smith. Read Read More
MM Agency: News & Reviews
C.J. Daugherty discusses her new YA series The Secret Fire, co-authored with Carina Rozenfeld, in The Bookseller Click here to read the full article Amazing TV reviews for One Wish on Ireland AM Bob Johnston from the Gutter Book Shop and author Rebecca Reid give their opinions on this month's book club choice, One Wish Read More
THE SECRET FIRE: C.J. Daugherty and Carina Rozenfeld launch joint series with Atom
The Secret Fire Karen Ball, Publisher at Atom/ Little, Brown has acquired UK and Commonwealth rights for a YA series from a brand new writing partnership – agency author C.J. Daugherty and French author Carina Rozenfeld. The series launches with The Secret Fire, publishing in September 2015, with another title to follow. French teen Sacha Read More
The Dark Inside Us All: Rupert Wallis and Sally Gardner at the Edinburgh Festival
'Both Rupert Wallis and Sally Gardner (author of Maggot Moon) have written novels with dark hearts. Rupert's debut, The Dark Inside, and Sally's latest, Tinder, are unsettling and ambiguous…These are subtle, challenging books.' On Saturday Rupert Wallis and Sally Gardner spoke at the Edinburgh Festival about their latest novels, and about the darker, genre-bending Read More
Publication day for THE MANIFESTO ON HOW TO BE INTERESTING by Holly Bourne
The Manifesto on How to be Interesting by Holly Bourne is published today! Bree is a loser, a wannabe author who hides behind words. But when she's told she needs to start living a life worth writing about, The Manifesto on How to Be Interesting is born. Six steps on how to be interesting. Six Read More
MM Agency: News & Reviews
Paperback publication day for Where Memories are Made by Lynda Page Jolly's campers are guaranteed to have a holiday to remember, but that's not always easy to achieve thanks to the array of colourful characters who pour through Jolly's gates. Following on from The Time of our Lives, Lynda Page's nostalgic saga of fun, frolics Read More
MM Agency: News & Reviews
The Accident by C.L. Taylor sells over 100,000 copies Sales figured for The Accident (Avon) have reached a staggering ** 101,892 copies ** across ebook and print, since its publication in April. Mel Sherratt's total sales reaches ** 250,000 ** copies This week Mel, bestselling author of Taunting the Dead and The Estate Series, also Read More
Holly Bourne SOULMATES front cover promotion on The Telegraph
The Soulmates #Discover offer is featured on The Daily Telegraph front cover today! iBooks secured this coverage along with an inside ad too. #Discover HOLLY BOURNE with iBooks – TODAY ONLY! #Soulmates #Discover Soulmates has already reached No. 1 in the free charts! An epic, electrifying and extraordinary debut about falling in love Holly Bourne's Read More
The riveting NEW Night School: Resistance trailer
The American edition of Night School: Resistance is now available for US readers to buy from the following channels: Amazon.com B&N iBook Store The UK edition is available to buy at retailers including: Waterstones Amazon.co.uk
Happy Birthday Night School!
Enormous congratulations to C.J. Daugherty whose fourth book in the bestselling Night School series hits the shelves today. Night School: Resistance, published by Little, Brown/Atom, sees Allie returning to Cimmeria Academy to find the school in turmoil. The atmosphere is thick with danger. The fightback starts here. Everything is at stake now. The winner takes all… Read More
C.J. Daugherty at Hay Festival with Sally Green and Ruth Warburton
C.J. Daugherty attended the Hay Festival 2014, appearing with Sally Green (Half Bad) and Ruth Warburton (Witch Finder) to discuss both the paranormal, and how to achieve the extraordinary without it. C.J Daugherty discussed her international bestselling series Night School. * The fourth book in the series, Night School: Resistance, is out in the UK Read More
Night School: Fracture out in the US today
Readers in the US and Canada can now get their hands on the American edition of NIGHT SCHOOL: FRACTURE by international bestselling author C.J. Daugherty US http://www.amazon.com/Night-School-Fracture-C-J-Daugherty-ebook/dp/B00KI1MRV6 CANADA http://www.amazon.ca/Night-School-Fracture-C-J-Daugherty-ebook/dp/B00KI1MRV6/ 'I love the Night School series so much. It really is my favourite recent series and I really loved Fracture, the third book in the Night Read More
MM Agency: News and Reviews
C.J. Daugherty C.J. Daugherty's Night School series is a German bestseller Night School Resistance (Book 4) is in * * No. 1 * * on the Kindle charts in Germany C.J. recently went to the Oetinger offices in Germany to sign 400 copies of Night School Resistance She will be returning to Germany tomorrow, for Read More
Bookouture releases Night School series in the US and Canada today
Buy your US edition of Night school now at: Amazon: http://www.amazon.com/Night-School-Legacy-C-J-Daugherty-ebook/dp/B00K7K39B0 iBookstore https://itunes.apple.com/us/book/night-school-legacy/id862419136?mt=11&uo=4 Barnes and Noble http://www.barnesandnoble.com/w/night-school-c-j-daugherty/1113869598?ean=9781909490314
Bookouture to launch Night School in US and C.J. Daugherty releases WattPad prequel
Night School US launch Bookouture will launch C.J. Daugherty's bestselling YA thriller series, Night School, in the US this May. Starting with Night School: Legacy, Bookouture will launch the series in ebook only format, complete with an amazing set of new covers. The following books in the series will be released at half-monthly intervals. 'Imagine Read More
Wallis and Williamson shortlisted for prestigious Children's Awards
A huge congratulations to agency authors Rupert Wallis and Lara Williamson on being shortlisted for two very exciting Children's Awards: The Dark Inside (Simon & Schuster) by Rupert Wallis has been shortlisted for The Andersen Prize, the most prestigious literary award for children in Italy. He's been shortlisted with two other authors, Maggot Read More
MM Literary Agency: News & Reviews and Bologna Book Fair 2014
Bologna Book Fair 2014 : The Madeleine Milburn Agency is excited to attend the Bologna Children's Book Fair from Monday 24th – Friday 28th March 2014. The Agency has over fifty meetings with international publishers, American editors and Film & TV scouts. Milburn will be pitching the Agency's budding list of children's titles. * C.J. Read More
MM Literary Agency: News and Reviews
Mel Sherratt Kindle No.1, 2 & 3 bestseller in Australia Mel Sherratt takes the top three chart positions on the Australian Amazon Kindle bestseller list with The Estate Series. Taunting the Dead is #9 and Watching Over You is #47. In its first week of publication Watching Over you was #1 in the Kindle Charts in both the Read More
Apple's Best Book of the Month
THE DARK INSIDE by Rupert Wallis has been selected as Apple's Best Book of the Month 'A Teenager named James meets Webster, a drifter who claims to have been cursed by a creature with 'knives for hands' and 'eyes the colour of wasps'. As the unlikely duo set off across the English countryside to find Read More
Publication day for THE DARK INSIDE
Huge congratulations to Rupert Wallis on the publication of his debut novel, THE DARK INSIDE. As part of Simon & Schuster's blog week, today Rupert will talk about his experience of the publishing process. You can read the blog post on So Many Books, So Little Time. 'What my editor, Jane, helped me to do Read More
Blogs and Reviews: THE DARK INSIDE by Rupert Wallis
As publication day at the end of January draws nearer, this week Simon & Schuster will be posting a blog entry each day about the process of publishing Rupert Wallis' debut, THE DARK INSIDE. This series of blog entries will offer a really interesting insight on all aspects of the writing and publishing process – Read More
4 days 'til Christmas: The Literary Agency Advent Calendar
In the run up to Christmas, the Madeleine Milburn Literary Agency will be posting an entry from one of our authors each day, offering anything from writing tips and their inspiration, to Christmas memories and their wishes for the year to come. HOLLY MARTIN Do you believe? I love the idea of Santa Claus. As a Read More
5 days 'til Christmas: The Literary Agency Advent Calendar
In the run up to Christmas, the Madeleine Milburn Literary Agency will be posting an entry from one of our authors each day, offering anything from writing tips and their inspiration, to Christmas memories and their wishes for the year to come. ANNE CAMERON Christmas is my favourite time of the year. I love the fact Read More
10 days 'til Christmas: The Literary Agency Advent Calendar
In the run up to Christmas, the Madeleine Milburn Literary Agency will be posting an entry from one of our authors each day, offering anything from writing tips and their inspiration, to Christmas memories and their wishes for the year to come. C. J. DAUGHERTY Hark! The Herald Angels Sing Incorrectly I grew up in the Read More
13 days 'til Christmas: The Literary Agency Advent Calendar
In the run up to Christmas, the Madeleine Milburn Literary Agency will be posting an entry from one of our authors each day, offering anything from writing tips and their inspiration, to Christmas memories and their wishes for the year to come. JENNA BURTENSHAW The Story of Ted Meet Ted. Ted is the cuddliest cat you Read More
18 days 'til Christmas: The Literary Agency Advent Calendar
In the run up to Christmas, the Madeleine Milburn Literary Agency will be posting an entry from one of our authors each day, offering anything from writing tips and their inspiration, to Christmas memories and their wishes for the year to come. HOLLY BOURNE How to get an agent under your Christmas tree Mariah Carey wants Read More
Celebrating SOULMATES publication with the Madeleine Milburn Agency
Congratulations to Holly Bourne on the publication of her début novel, SOULMATES, published by Usborne on Sunday 1st September. Holly has had a full schedule with the launch of SOULMATES, speaking at the Edinburgh International Book Festival alongside Sarah Mussi, and sharing an author yurt with the likes of Caitlin Moran and Margaret Atwood, and Read More
The Latitude Festival teams up with C.J. Daugherty
The Latitude Festival (18th – 21st July 2013) has teamed up with our international bestselling YA author C.J. Daugherty to give young people the chance to achieve a nationally recognised Arts Award qualification. They are the first festival to become an Arts Award supporter organisation. C.J. Daugherty, author of the Night School series, will be talking about her career as a YA Read More
Official US trailer for NIGHT SCHOOL
The US edition of NIGHT SCHOOL is out today. The official US trailer below was made by BAFTA-nominated filmmaker Jack Jewers of Trailermade Films, in close collaboration with C.J. Daugherty herself: NIGHT SCHOOL has been translated into 21 different languages, and we've already had the following fabulous review from America's Booklist: Night School. Daugherty, C. J. (Author) Jun 2013. 432 p. HarperCollins/Katherine Tegen, Read More
Cover reveal!
The UK book cover has now been revealed for the third book in C.J. Daugherty's international bestselling series, NIGHT SCHOOL. NIGHT SCHOOL: FRACTURE Cimmeria Academy has been more than a school for Allie, it's been a safe haven. But no longer. The school – her friends, her teachers – are under attack. A nefarious Read More

subset: commoncrawl


text:
17 Mar 2013
State Bank of India (SBI) plans to open about 1,200 branches in the country and another eight branch offices overseas, including China and the UK, in the next fiscal.
03 Jul 2013
Concerned over rising bad loans, Finance Minister P Chidambaram on Wednesday asked banks to focus on top defaulters and take action against them.
14 Jun 2012
State Bank of India on Thursday said it does not have any non-performing asset (NPA) in the telecom sector as the loans were given to well known corporate houses against their group guarantees.
10 Oct 2012
Global rating agency Standard & Poor's (S&P) on Wednesday revised downward credit rating of State Bank of India (SBI) by a notch to 'BBB-' on expected deterioration in the asset quality.
09 Aug 2014
Mumbai: Registering its first profit growth in six quarters, country's largest bank State Bank of India (SBI) posted 3.3 percent rise in net profit at Rs 3,349.08 crore in the three months to June, notwithstanding a steep 72 percent hike in provisioning for bad loans.
15 Dec 2015
Mumbai: Days after the Reserve Bank set March 2017 as the deadline for lenders for cleaning up balance sheets, top bankers today met Governor Raghuram Rajan to discuss a way out of the asset quality woes.
10 Aug 2012
In listless trading, Sensex on Friday closed three points down as cautious sentiment prevailed in the stock market over corporate earnings amid shares of SBI falling over 4 percent on worries over rising bad loans.
13 Aug 2016
Mumbai: India's largest public sector lender State Bank of India (SBI) on Friday reported a 32 percent fall in its standalone net profit to Rs 2,520.96 crore in the 2016-17 fiscal's first quarter ended June 30, compared with Rs 3,692.43 crore in the corresponding quarter last year.
25 Nov 2016
Dear KabirWhen you read this letter; you might be surprised to know that it is from your dad who never likes being so expressive. But yes, this time I have decided to pen down all my emotions and feelings so that every word inks on your heart forever and guides you whenever you divert from your path.
06 Jul 2016
Mumbai: Rating agency Fitch has downgraded the banking sector outlook to negative, from stable, due to more downside risks emanating from rising stressed loans and weak corporate earnings, which may further roil banks.


text:
We are the premier resource for all your Sunrise ski rental and snowboard rental needs. We are conveniently located near the Sunrise Ski Park so you can stop at our shop before you head up the mountain. Our Sunrise snowboard rental and ski rental shop carries everything from ski and snowboard rental equipment to warm clothing for the slopes. Our goal is to provide you with all the gear you need for a great day on the mountain. Even if you just need a tune-up for your skis or snowboard or just need some of your gear repaired, give us a call or come in! Our experienced staff has the expertise to repair or give you advice about any of our equipment in the shop...READ MORE
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Hours of operation
Spring Hours
Monday-Thursday 8am-11am / 3pm-6pm / closed mid day from 11am to 3pm
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Sat and Sun 7am-7pm
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We will be closed for the summer starting March 27th.
For season rental returns please call Charles at 928-368-7728.
Thanks again and we'll see you in November.


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text:
I'm struggling with the Sexy Bits—and while writing them is hard enough, it's the reading back that's some special class of torture. When I re-read a steamy scene I've written my first instinct is to stick my fingers in my eyeballs and sing the theme song from Barney at the top of my lungs until the nice people come for me and put me in the van.
Okay, I'm just going to start by cutting to the chase and admitting I love the Sexy Bits. No need for me to be ashamed, no need to be coy. And ironically yes, I'm fully aware 'cutting to the chase' and 'coy' sound like they've been taken from an awful nineties erotic novel about a real estate tycoon who's trying to seduce his Sharon Stone-esque top agent: "My dear we've just closed on the semi in Calabasas. You change into that oyster silk sheath I like so much and I'll get the champagne."
But look, I think it's fair to say we all fall on the Sexy Bits with delight—and why wouldn't we? Are we made of stone? Are we not but flesh? Who wouldn't enjoy the glorious, jelly-kneed escapism of interludes d'erotique that don't involve the likes of kicking a Tesco plastic bag during fellatio or giving out shite because the new duvet has been put through the ringer?
So what makes a Sexy Bit a really good Sexy Bit? All Sexy Bits are not created equal—think, for example, of those questionable Mills and Boon scenes that are less arousing than a bowl of Weetabix. I would know, I read loads of them when I was about ten, hiding out in the back of the library like a little freak. Doctors and nurses and equestrian professionals at it like the clappers. Parenting Mam?
A good indicator a Sexy Bit is a really good Sexy Bit is if you're interrupted you feel rudely catapulted back into reality. It's a painful separation. The equivalent of a cold shower. There you are, absorbed in a good juicy bit, swooning like a good thing with the romance and passion of it all when your Mam comes in with the hoover and says: "Feet up there! That book looks good love, what is it?"
"Nothing Mam, nothing," you say, panicked, the stirrings of a strange residual Catholic shame making you feel like a right pervert. "Nothing sexy about it at all. Really, em, not sexy. It's about… erm… crops."
"Oh right, I didn't know you were interested in agriculture love. Here, move that will you I'm trying to get the the back of the sofa."
Of course what makes the Sexy Bits even better is the tension, the build-up. We've been put through the mill as a series of misunderstandings, coincidences and ex-wives not really being dead conspire to keep our will-they-won't-they heroes apart. Finally, finally when they get together the last thing we want is a chaste kiss and a cuddle. No way, after our patience we want, nay deserve a bit of decent action. I've been shortchanged more than once (hello Hunger Games I'm talking to you) and I felt more than dissatisfied, I felt resentful.
So you see, I understand as a writer I need to give the people what they deserve. I need to give them the Sexy Bits. It is my duty.
But if only it wasn't so damn hard. Every time I try to write something remotely sexy, I cringe in mortification. I feel sick with it.
He leaned forward and caressed her—"NO! NO! EUCH! BLEURGH! I CAN'T! I CAN'T!" I moan pathetically, as feverish with discomfort I cover my face with my hands. I imagine I would feel similar if I tried to talk dirty (the closest I have ever come to talking dirty is saying: "The hob is congealed with muck—pass me the Cif").
And then I can't help but think about people I know reading them and I feel a fresh wash of horror.
"My God this has nothing to do with crops!" says my poor Mam. "I remember when you were a babe in arms, an innocent and now look at you and this… this filth!" Except I'm obviously overreacting because my mother is French. She'd probably be proud of me and truthfully it's hard to know if that's even worse. But other people—my brother, work colleagues, my old maths teacher (hi Mr. Dobbin). It makes me shudder.
My only way to deal with it (at the risk of sounding like an arty farty twodge) is to let the characters take me where they need go. It's not about me, it's about the story. I tell myself that if I don't put a decent Sexy Bit where it needs to go I am doing a disservice to the reader, the book, the characters.
"Cop on to yourself Cynthia!" I say sternly, "and write in some heavy petting there. You are a writer. You are supposed to take yourself to the places you fear most. Now, will you ever make him pull off her top and stop that silly wincing!"
"Okay mean me," I reply, knocking back some whiskey to bolster my courage, "I'm doing it, I'm doing it!"
So are there going to be some Sexy Bits in the book? Yes, I can confirm I have the bones (ahem) of a few scenes already written. Do they make me feel queasy? Yes, but only because I wrote them. Am I ever going to use the word 'panties'? I solemnly swear I shall not.


text:
What a beautiful day today.I can see very clearly the mountains from my office on 25th floor.Really want to get out of the office buidling immediately, what i am going to do?maybe just sitting in one outdoor caffee and watching beauties and cute boy.
Already made decision to ride my bike tomorrow, the destination is houhai,after 1 or 2 hours riding,find a nice place,have a cup of espresso,take a book,it does not matter read or not.
Sounds good and so relaxed.
Any good idea?


text: cozy comfortable for two people with everything you need, kitchen, bathroom, wifi, air conditioning, refrigerator, a small study in characteristic style. Furnished in rattan, and with typical Sicilian paintings. centrally located a stone's throw from the "Arches" dell'alibus connecting the international airport Vincenzo Bellini, a short walk from Piazza Borsellino bus terminal for many suburban and urban destinations, 15 minutes from the train station


text:
Last Week: 22
New York Knicks (14-20)The Knicks have replaced one disgruntled guard with another. Nate Robinson's 14-game exile ended last week when he torched Atlanta for 41 points, but it created a spot on the bench for Larry Hughes. And Hughes is not happy. "This is my second or third time now, so it's getting old," Hughes said. "I'm just dealing with it every day."
Last Week: 15
Los Angeles Clippers (14-18)Marcus Camby's ailing left knee has opened the door for DeAndre Jordan's return to the rotation. The second-year center chipped in six points in 38 minutes in a win over Boston, and 12 points in 19 minutes in a W over Philly. I know I'm not going to score 20, 30 points," Jordan told the Los Angeles Times. "I'm just going to go out there and rebound, defend and block shots. And when I score, it's a bonus for us."
Last Week: 20
Milwaukee Bucks (13-18)Where have you gone, Michael Redd? The Bucks' shooting guard exploded for 27 points in a win over the Thunder last week, but scored 14 points total in the three previous games. "I've been in funks before, but this is a little different," Redd said. "I'll find my way out of it."
Last Week: 25
Philadelphia 76ers (10-23)The town is already starting to turn on Eddie Jordan. A story in the Philadelphia Inquirer last week titled "Jordan has the Sixers heading nowhere" tagged the embattled first-year coach for bad losses (namely a 16-point drubbing by the Clippers) and for an inconsistent and questionable rotation.
Last Week: 19
Detroit Pistons (11-21)It's getting ugly in Motown. The injury-ravaged Pistons have dropped nine straight and are desperately trying to get Richard Hamilton back into the flow. In the three games since returning to the lineup from a menu of nagging injuries, Hamilton shot 30 percent, 23.8 percent and 15.4 percent.
Last Week: 29
Golden State Warriors (9-23)Monta Ellis ranks first in the NBA in minutes per game (41.5) and second in minutes played (1,328). So why do the numbers say the Warriors are better when he isn't on the floor? Perhaps that's due to Ellis' league-leading 4.31 turnovers and the fact that he jacks up 47 percent of his shots less than 10 seconds into the shot clock.
Last Week: 27
Washington Wizards (10-21)Multiple league sources say the Wizards are open to holding a fire sale for any player on their roster, including Gilbert Arenas, who is in the second-year of a six-year, $111 million contract and at the center of an investigation by local and federal authorities over an alleged gun-drawing incident with Javaris Crittenton.
Last Week: 26
Indiana Pacers (10-23)A 43-point loss to the Knicks. I repeat, a 43-point loss to the Knicks. I don't care if injuries forced Jim O'Brien to play point guard alongside shooting guard Dick Harter. You don't lose to the Knicks by 43 points.
Last Week: 28
Minnesota Timberwolves (7-28)If there are such things as quality losses, the Timberwolves have taken a lot of them lately. The Wolves nearly caught the Jazz with a frantic fourth-quarter comeback last week, and they held Dwight Howard and Vince Carter to a combined 21 points in a loss to Orlando.
Last Week: 30
New Jersey Nets (3-30)They snapped their latest losing streak (a 10-game skid) with a home victory against the Knicks last week. Forward Yi Jianlian is averaging 20.2 points and 7.0 rebounds in five games since returning from a knee injury.


text:
- Please select a date to see the proper prices!
- Meal can be requested on the spot
Best offer
25 € / person / night, no meal
Description of the accommodation:
Rooms, services Al-Andalus Peal de Becerro is offering 19 tasfefully furnished, nice rooms for those looking for a place to stay at in Peal de Becerro. If you feel like having a meal not included in your chosen type of catering, you can always taste local dishes in the restaurant of the hotel. If you love spending your leisure time actively it may be a good idea to check the bowling opportunities nearby. The café or the bar can be an ideal place for a meeting or a pleasant evening talk. You can also bring your laptop for the holiday, for there is wireless Internet connection (WiFi) available at the hotel. If you wish to learn more about the exact scope of services provided by Al-Andalus Peal de Becerro (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 Advance payment by credit card or providing credit card guarantee may be necessary for finalizing the reservation, depending on the chosen date, room and price.
Arrival, opening hours The earliest check-in time is 11:00, the latest check-out time is 13:00. The personnel can speak Spanish and English languages.
Al-Andalus Peal de Becerro rooms Rooms
- Please select a date to see the proper prices!
Accommodation services
Free WiFi in shared places
Garden, Bar, Cafe, Elevator
Own restaurant
Desk in the room


text:
About "MilkMaid 5000" by Mosquito88
MilkMaid 5000
Design by Mosquito88
Mosquito88 proudly presents:
The MilkMaid 5000! THE cowsqueezer that will provide you with your daily serving of fresh milk.
The design works on almost all light shirt colors.
Click this link for a better view!
Great to see the process on this one, it turned out pretty dang awesome! You've captured a bit of that andyg "this is so cute you almost forget how incredibly horrible what's about to happen is gonna be" here, and I'm proud you went with the MilkMaid 5000 name! hehehe, great stuff dude, keep it up@
This is awesome, and it looks great on the tee too! :) Love it. Your hard work definitely paid off.
Great work!
This is super cool! I like the cows, they're cute!
awesome work!!
I looove it ! Yesss !!! 5$$
haha, nice!
Oh wow. This is great.
Haha so cool!
great design! Really well illustrated
it's so funny...yet soooooo sad :(
This is at least 7 kinds of awesome. $5!
thanks for the positive response so far!
awwww... will there be cows hurt in the process?
cute! but it's going to be a blood red milk.
awesome milk press!
I love the one cow looking at the rest. Too cute!
Poor cows!!! :D
Where are the CHOCOLATE COWS?!?!
Milk! Now with extra pulp....
This design makes me want to save those poor stupid cows!
Really well done, cute over-load!
this is a great idea, but while i'm looking at it isee the white milk, than the cows with the black spots. and there is no black swirls in the glass. maybe i'm looking in to it wayyy too much, good idea tho.
Wow! Great response! Thanks!
it's so cool! great work mosquito $5
were there any cows harmed in this process? o.o
$$5 great idea hahaha poor cows
oh no!
Haha great idea!! Nice work
it's so good! :)
Thank you!!!
the cows are so cute, especially the one looking up!
cute cows...:)
wow, omg!
ha! ouch !
Lol, nice!
Turned out great!
lol... ouch!!
but for weird reasons i kinda like it.
Thanks all!
o.k., thats a little too sad for an agriculturalist, like me......
Nice work!
thank you! keep the comments coming!
This made me really feel sad...$5 for the emotional response. Really well done!
wouldn't wear it, but I really love the idea and execution. $4
Mmmm. Beef flavored milk.
Hehe... Nice!
Great idea!!
thanks a lot everybody!
That score makes me feel good! :D Thanks everybody!
I'm still proud of this design :)
c o o l !
thanks :)


text: What's good video ediiting software? Software so you could put special effects like gun blasts lightsaber stuff, and title and credits. Thanks alot in advanced Sorry about the serverlogic thing you see it. I got adware. Well i fixed the server logic thingy so i added to i's. Smart huh? haha


text:
Forgot your password? Enter the email address you signed up with and we will send you a link to create a new password.
Your password reset has been submitted to the address provided.
Standard character mark
electric control panel for a building that is universally adaptable to control any electronic function
Business in Hildebran, NC


text:
The Progressive Peoples Party have blamed President John Mahama over Wednesday's disaster.
The youth of the Progressive Peoples Party have called for an immediate prosecution of President John Dramani Mahama and Accra Metropolitan Chief Executive Alfred Oko Vanderpuije over last Wednesday's fire and flood disaster.
According to the youth, the real cause of the disaster – that left at least 150 people dead and thousand others displaced – was the negligence of the two authorities to ensure that sanitation laws are enforced.
"However, since the President cannot be charged with a crime by virtue of his position, he must be made to resign immediately," they said in a release signed by their coordinator, Divine Nkrumah.
"Even after his term of office has ended, he must be made to face the law squarely."
Over 200 Ghanaians lost their precious lives and dozens have sustained various life-threatening injuries due to the flood and gas explosion that took place at Circle in Accra on Wednesday June 3, 2015. Thousands have also been displaced and rendered homeless due to the flooding.
According to the youth, "This situation has been caused by nothing other than the blatant negligence and incompetence of our leaders who are paid with the tax payers' money, starting from the President of the nation.
"Hence the President and the AMA boss, Okoh Vanderpuije ought to be charged for manslaughter and criminal negligence because of the apathy he has shown towards the flooding situation in Accra and other places since he assumed office. However since President cannot be charge with a crime by virtue of his position, he must be made to resign immediately. Even after his term of office has ended, he must be made to face the law squarely."
The youth said "It is time that our leaders are made to account for their failures. We can no more watch as they play politics with the lives of the citizenry. We are therefore saying that President Mahama must be made to resign and the AMA boss, Okoh Vanderpuije charged for manslaughter and criminal negligence."


text:
BioPerl List Summary, Dec 2-8 2002
Nat Torkington
Subscription information: http://www.bioperl.org/MailList.shtml
Period: December 2-8, 2002
AnnouncementsHarry Mangalam announced O'Reilly's 2003 Bioinformatics Technology Conference, February 3-6, 2003 in San Diego, California.
Code ChangesProgress toward 1.2 (deadline Dec 31) came fast and furious.
Bio::Tools::RemoteBlast moved back into core. There was a long discussion about creating a bioperl-retired for legacy modules such as Bio::Tools::Blast.pm (which isn't the module you should be using to do Blast work).
Jason said that HMMer parsing is "more robustly being tested".
Steve Chervitz was to have added psiblast parsing functionality to blast.pm so psiblast.pm can be obsoleted for 1.2. In his words "I'm having doubts because it is a fairly major undertaking, and there's time pressure to release 1.2." Ewan concurred: "I think this has to happen in the 1.3 to 1.4 series."
Elia will handle bioperl-run regression testing against the 1.2 core as it solidifies.
Ewan committed reorganized documentation for Bio::Seq, Bio::SeqI, Bio::PrimarySeqI and Bio::PrimarySeq to stress that Bio::Seq has the best docs and is the best starting point for users.
Paul Boutros posted a great summary of 'make test' for the current BioPerl on Windows.
Unanswered QuestionsAllen Day asked whether anyone was working on a script to load GO terms into chado.
James Wasmuth had a problem with queries and hits that nobody replied to.
BugsJason Stajich posted an update to the MakeMaker bug--no immediate solution, a simple workaround, and a plea for more people to hack on MakeMaker.
Lincoln went back and forth with Paul Boutros trying to track down a Bio::DB::Query problem under Windows. Paul found the problem and Lincoln supplied a fix that made it pass all tests. Joy spread through the world like the smell of pot at a Grateful Dead concert.
Tyler wanted to run ProtDist.pm from two simultaneous scripts with the same working directory. Jason pointed out that phylip doesn't let you change the output filename. He committed a hack^Wfix to CVS.
Philip Lijnzaad reported a bug in BioPerl 1.0.2, which Hilmar reported fixed for 1.2.
Paul Boutros continued to try and track down a bug with the LocusLink IO code. Allen Day opined it was a \r\n problem.
Answered QuestionsScott Cain asked how to create an empty Bio::Seq object once you know its length. Hilmar replied that you can do this with 1.1.1 or later.
Charles Hauser asked how to trick Bio::SearchIO into thinking a tab-delimited blast data file was a blast report, to extract accession and description from the subj_name field. Mathieu replied suggesting simply ripping the description header parser code from the module might be easier.
James Wasmuth asked how to write an alignment into a string instead of a stream. Ewan pointed him to IO::String, and Jason even supplied code.
Nat Goodman asked what speedbumps people faced with BioPerl. Rob Edwards sent in an excellent list: lack of standardized names, unobvious return values, the ease with which you can call an undefined method while parsing genBank files, and the overwhelming amount of What's In There. Ewan replied suggesting a Lazy Programmer's Guide to BioPerl.
Jason pointed Mike Pheasant toward Ensembl and Bio::SeqFeatures::Gene::GeneStructure objects for help "merging exons in all transcripts of a gene to come up with a new non-overlapping set of start/end coordinates for all sequences that end up in any mRNA for that gene" (whew!).
Eicke Felipe had a problem that turned out to be caused by mixing 1.0.2 and a later version.
Yee Man asked whether Ewan would extend his protein Smith-Waterman module to DNA. Ewan replied that it's in the Wise2 package but there's no XS bridge for it yet. Yee volunteered to write said bridge. Yee also threw out this cool URL:
http://poweredge.stanford.edu/BioinformaticsArchive/ClassicArticlesArchive/Andy Nunberg why StandAloneBlast doesn't pick up BLASTDB envariable changes. Jason replied that it's set at 'use' time, not runtime and showed
$Bio::Tools::Run::StandAloneBlast::DATADIR = '/localcopy';as an alternative way to do it.
David Vilanova asked how to add subseqfeatures when reconstructing a genbank annotation file. Jason explained how the code and concepts have changed (and showed sample code) and ended with a plea: "It would be nice if someone would map the SeqFeature::Gene::GeneStructureI objects into something similar to the below structure for direct output by the SeqIO objects."
Renata Melo asked for information about using Smith-Waterman using DSM with MPI or other parallel tools. Aarom Mackey pointed to sesarch34 from the fasta distribution which has PVM and MPI implementations.
Nat Torkington is conference planner for the Open Source Convention, OSCON Europe, and other O'Reilly conferences. He was project manager for Perl 6, is on the board of The Perl Foundation, and is a frequent speaker on open source topics. He cowrote the bestselling Perl Cookbook.
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text:
Irony and Ambiguity. Vocabulary. Irony. Definition The difference between what we expect to happen and what actually happens. There are three main types of irony: Verbal Situational Dramatic. Verbal Irony. Definition Occurs when someone says one thing but MEANS the opposite.
Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.


text:
Just a Speck of DustMonday, December 22, 2014
This is the cutest polka dot top I have ever seen. It's perfect for a casual holiday look – the colors are bright and festive and the structure is figure-flattering (a must-have for the holiday feasts!). Also, I love that it matches my accessories.


text: Hello: does anyone know if there is a tab button (or functional equivalent) for switching between form fields on a webpage. For example, when I log into a site the keyboard comes up for me to enter my login name. After I enter it I have to minimize the keyboard, click on the password box, enter the password, and then press enter. I've noticed that the trackball works a bit but is there an easier way? Thanks in advance.


text:
Ukip candidate in fiery clash over racism and homophobia during leaders debate
A UKIP candidate was involved in an angry clash with a radio host over racism and homophobia after insisting that people are entitled to their opinions.
Jonathan Rees-Evans was taken to task on LBC, in what has been described as a "car crash" interview after he appeared alongside fellow Ukip leadership candidates Suzanne Evans, Paul Nuttall and Peter Whittle.
Host Iain Dale grilled Mr Rees-Evans over his positions as he asked whether or not party members should be allowed to express blatantly homophobic views.
Dale said: "In an article for the Church of England newspaper, Allan Craig wrote that 'gay rights stormtroopers take no prisoners as they annex our wider culture, adding that legalisation of same-sex marriage was proof that Nazi expansionist ambitions are far from sated'.
"Do you think that's something that a Ukip candidate should be saying?"
Jonathan Rees-Evans was taken to task in what has been described as a 'car crash' interview
To which Mr Rees-Evans responded: "Do you know it's interesting. My campaign manager, who happens to identify himself as gay, would say pretty much the same thing.
"He very much opposes this militant attitude that a lot of the LGBT…"
Cutting off the relatively unknown UKIP candidate, who has previously suggested a gay donkey raped his horse, Dale blasted the insinuation a person could choose whether or not to be gay.
The LBC host said: "Sorry, he identifies himself as gay? What does that even mean? Was he not born gay?"
Do you think that's something that a Ukip candidate should be saying
Seemingly annoyed with the interruption, Mr Rees-Evans snapped back that he was not a scientist.
He said: "I don't know, I'm not a scientist.
"Sorry, do you want me to answer the question or do you want a semantical debate?"
And as Dale attempted to bring the interview back around to the original question of whether or not it was acceptable for a Ukip member to utter extremely controversial opinions, the pair clashed again.
Mr Rees-Evans is vying to replace Dianne James as the permanent leader of the anti-EU party
Mr Rees-Evans insisted: "It is entirely acceptable for a Ukip candidate to have any views that he likes.
"Racist views?" Dale asked, to which the candidate, who is vying to replace Dianne James as the permanent leader of the anti-EU party, replied: "First, I'd need you to define what you mean by racist."
Gobsmacked with the response, the LBC host blasted: "I think we all know what racist means. If you really need that defined for you, I'm not sure you should be in that chair!"
The clash happened only minutes after Mr Rees-Evans shocked his fellow leadership candidates, who were also in the LBC studio, when he outlined his position on paedophiles facing the death penalty – arguing it depends "what you define as a paedophile".
When asked by a caller about the reintroduction of the death penalty on the radio programme, he replied: "There would need to be some pretty strict criteria in terms of the burden of evidence but yes… in the case of specifically paedophiles and child killers."


text:
What about Norman Geisler's Systematic Theology?
by Jack Cottrell (Notes) on Wednesday, September 16, 2009 at 1:47pm
Someone asked me for my opinion of Norman Geisler's four-volume systematic theology.
My opinion of Geisler in general is that he is a much better apologist than theologian. I like his works in the area of apologetics quite a bit and have made use of them often. I don't agree with him on some things, e.g., his attempt to explain the presence of evil in the world (without evil we could not appreciate the good). Still, I don't use any of his apologetics works as textbooks; the one best book for an apologetics text is William Craig, "Reasonable Faith: Christian Truth and Apologetics."
In the area of theology, though, I think Geisler is sometimes in over his head. I came to this conclusion when I read his book "Chosen but Free," in which he attempts to refute Calvinism but winds up with a confusing amalgamation of the Calvinist and Arminian views. (He calls himself a Calminian.) It was pretty bad.
I have not done a lot with his big four-volume work on systematics. Of course, a lot of it is standard evangelical theology, and one can learn from it. (I have the first three volumes, but have not sprung for the fourth one.) But there are other more trustworthy evangelical systematic theologies, especially Millard Erickson and Wayne Grudem (but watch out for Grudem's Calvinism, premillennialism, and charismatic leanings). (If my objectivity could overcome my modesty, I would recommend my own systematic theology, "The Faith Once for All," College Press, c. 600pp.)
One place where Geisler and I have interacted is with regard to the doctrine of salvation. When Geisler was writing his volume on salvation, he called me with a question (we are sort of friends). He wanted the names of some Restoration Movement books or authors that spelled out the traditional RM "plan of salvation," i.e., faith/repentance/confession/baptism. The only thing I had immediately at hand was my own "Faith Once for All" (see chs. 19-20), so I told him about it.
I never thought much about it; but when his book came out, I found that he used my material as an example of this (to him) "false doctrine of salvation" as found in the RM. Especially, he ripped me up one side and down the other for violating the (to him) infallible doctrinal principle of "sola fide," or faith only. I thought his exegesis of various texts was poor, and I know for sure that he misrepresented me in a number of ways.
The only place I have tried to respond to his view on this is in an informal presentation I gave on the CCU campus a couple of years ago called "The Tyranny of the Paradigm." It can be found on the following website: http://www.ccuniversity.edu/seminary/acacemics/faculty/ . I have also incorporated this material in some of my "Reflections" articles that I am writing for publication in "Christian Standard" sometime toward the end of next year.
The bottom line is that I would not spend my money on the set.


text:
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text:
Export Documentation Executive ( 1 - 5 yrs)
City Impex
RS 2,00,000 To 4,00,000 Chennai
Wanted Export documentation Executive for Food products export company. Thorough knowledge in all export documentation work,LC, Banking, CHA & Shipping line followup, handle EBRC, Drawback, DEPB,VKGUY, Advance license and other incentives of Foreign ...
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Manager is Required to Manage Chennai Based Import Exporting Company.
Key Skills : export import officer,import manager,export assistant,export manager,export import manager,export incharge,export supervisor,exports officer


text:
Sunday, November 1, 2009
Train troubles
Amtrak just can't seem to get back on track. According to an analysis by Subsidyscope, an arm of the Pew Charitable Trusts, 41 of Amtrak's 44 routes lost money in 2008.
In the Northeast corridor, which has the highest passenger volume, the Northeast Regional train lost almost $5 per passenger. The high-speed Acela Express, which has half as many passengers, fared better, making a profit of $41 per person, Subsidyscope found.
The Sunset Limited route between New Orleans and Los Angeles was the biggest loser, with a $462 loss per passenger.
Subsidyscope calculated that U.S. taxpayers spent an average of $32 subsidizing an Amtrak passenger. Amtrak had previously reported that figure as $8. Subsidyscope took certain expenses, such as wear and tear on equipment, into account when doing its calculation, while Amtrak did not.
In October 2008, Congress passed legislation granting Amtrak a subsidy of $1.5 billion a year for five years.From Dulles to Delhi
Here's some good news for frequent travelers to India: Starting Dec. 1, Air India will offer daily direct service from Dulles International Airport to New Delhi with its new Boeing 777LRs. The flights will leave Washington at 12:10 p.m., stop at New York's JFK Airport, then continue nonstop to Delhi with a 4:45 p.m. arrival the next afternoon. Passengers trying to get to Kolkata can continue on. Passengers bound for Mumbai can transfer to a nonstop evening flight from JFK.
"Travel to Delhi, whether for business or leisure, has just become much more convenient and comfortable," said C. Sarkar, Air India's executive director for the Americas, in a written statement.
All the flights will have economy, executive and first-class service. Economy seats will have a 34-inch seat pitch, a footrest and built-in 10.6-inch LCD monitor. Executive seats come with flat beds, a 76-inch seat pitch, a privacy partition and 15.4-inch LCD screen. First-class passengers will have flat bed compartments with a built-in massage system, 80-inch seat pitch and a 23-inch LCD screen. All passengers will have access to Indian or Continental cuisine and complimentary liquor services.
For more information, call Air India at 800-223-7776 or visit http://www.airindia.in.Travel ticker
From Nov. 1 to Nov. 7, American Airlines passengers can get free WiFi service on any WiFi-equipped plane. To get the Lexus-sponsored Gogo Inflight Internet access on your laptop, smartphone or handheld PDA, enter the code 2010LEXUSLS. . . . The International Civil Rights Center & Museum in the historic F.W. Woolworth building in Greensboro, N.C., will open for visitors on Feb. 1, half a century after four N.C. A&T College students began a six-month sit-in to protest segregation at the Woolworth's lunch counter. The Smithsonian has an eight-foot portion of the counter as well as stools from the store. But the actual stools used in the protest, along with most of the counter, remain in Greensboro. For more information: http://www.sitinmovement.org.
Reporting: Nancy Trejos. Help feed CoGo. Send travel news, road reports and juicy tattles to: email@example.com. By mail: CoGo, Washington Post Travel Section, 1150 15th St. NW, Washington, D.C. 20071.