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Self Invested Personal Pensions - SIPPs - UK - December 2009
This report presents an overview of the key issues facing the SIPP industry. As well as examining the wider economic, demographic and regulatory environment, the report details the value of new business and takes a look at the competitive landscape.
- Although providers are doing much to open up the SIPPs market, it remains a high-end product. Costs may have come down but they remain higher than many mass-market alternatives.
- Even for the retired there is a role for SIPPs to play. More flexible rules regarding income generation mean that a SIPP can be a useful tool in retirement, even if this is a relatively niche role, best suited for the very top end of the market.
- While under-represented in the target wealth market, those with comparatively low household incomes still make up a significant proportion of those who could have enough assets to be worth consolidating them in a SIPP.
- Consumer research indicates there is a sizeable potential market for low cost online SIPPs: two-thirds of those with at least £50,000 in investible assets are daily internet users, and a further 13% use the internetcdez at least weekly.
- Just one in 20 with investible assets of £50,000 or more report that they are actively considering buying a SIPP. Given that around 6% of the affluent population already own a SIPP, the 5% who are currently strongly considering investing in the product still represents a major opportunity to significantly increase the pool of customers.
- The prospect of rising interest rates and taxes will make the tax benefits of saving in a SIPP increasingly attractive.
- Increased regulatory requirements from the FSA, while difficultly and costly to implement, will give SIPP providers an opportunity to enhance their reputations.
What you get
What's included
- Consumer Attitudes and Behaviour
- Market data
- Competitive analysis
- Risks and Opportunities
- What's Next
- Market Trends
This market report provides in-depth analysis and insight supported by a range of data. At the same time, introductory and top-level content is provided to give you an overview of the issues covered.
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Table of contents
Issues in the Market
- Key issues
- Abbreviations
Future Opportunities
- Looking on the bright side of increased regulation
- Turning buy-to-let property into a SIPP
- Rising taxes and inflation will make SIPPs more attractive
- SIPPs are not just for high earners
- Technological advances could lead to more direct SIPP sales
- Looking on the bright side of increased regulation
Market in Brief
- Two consecutive years of decline
- Figure 1: New APE* individual pension premiums, by product type, 2004-09
- Demographic and economic influences
- Internal market environment
- Nearly all new business is intermediated
- Top four SIPP providers account for 60% of the value of in-force business
- Figure 2: SIPP market share, by value of in-force business, September 2009
- Personal pension adspend up in 2009
- Key consumer research findings
- Asset and product ownership
- Attitudes towards SIPPs
- Two consecutive years of decline
Internal Market Environment
- Key points
- The virtual extinction of final-salary pension schemes
- SIPPs a possible replacement for high-end DB schemes
- Convoluted SIPP charging structure needs streamlining
- Some providers employing contentious business practices
- Regulatory and legislative environment
- Protected rights funds now transferable to any type of SIPP
- Intermediaries will be key in raising awareness
- RDR pushing independent advice further upmarket
- Treating Customers Fairly initiative
- FSA criticism of pension switching leads to decline in transfer business
- The FSA's investigation into small SIPP providers
- Increased regulatory burden likely to lead to consolidation
- MW Pensions fraud case puts smaller providers in an awkward position
- Tax relief on pensions for high earners more restrictive from April 2011
- Concerns about government meddling
- Key points
Broader Market Environment
- Key points
- Key target market for SIPPs is very narrow…
- Figure 3: Size and segmentation of the target wealth market based on investible assets*, October 2009
- …but there is still plenty of room for expansion
- Increasing longevity puts greater pressure on retirement income
- Figure 4: Cohort life expectancy at age 60, by gender, 1981-2056
- SIPPs well placed to provide advanced retirement income solutions
- UK economic recovery will be slow and drawn out
- Stockmarket performance has improved but many still nursing losses
- Figure 5: FTSE 100 and FTSE All Share – daily index movements, November 2003-November 2009
- Rising taxes and inflation will encourage many into tax wrappers
- Figure 6: Monthly changes in the rate of annual inflation* and Bank of England base rate – UK, October 2005-October 2009
- Key points
Competitive Context
- Key points
- Workplace pensions the direct competitors
- The decline in traditional occupational pension provision
- GPPs and company stakeholder pensions
- The National Pension Savings Scheme
- Non-pension alternatives
- ISAs
- Investment bonds
- Buy-to-let property
- Key points
Strengths and Weaknesses in the Market
- Figure 7: SIPP – SWOT analysis, 2009
Who's Innovating?
- Key points
- More providers introducing Family SIPPs
- AXA Winterthur Family Suntrust SIPP
- Curtis Banks Flexible Family Trust
- IPS Partnership Family SIPP
- EU SIPP from London & Colonial
- Dentons launches 'Single Portfolio' SIPP
- RDR-ready SIPP from Stadia Trustees
- Key points
Trade Perspective
- Recession has not had a negative impact on SIPP market
- Key SIPP clientele
- Impact of RDR
- Impact of MW Pensions fraud scandal
- Key issues affecting the market
- Scope for innovation
Market Size and Forecast
- Key points
- New individual pension business continues to fall in 2009
- Figure 8: New individual pension premiums, by product type, 2004-09
- Slowdown in transfer business key factor behind decline
- Figure 9: Single-premium transfer business, 2006-09
- Over half a million SIPP policies in force at year-end 2008
- Figure 10: Total number of policies and regular premiums from individual pensions business in force, by pension type, 2004-08
- Forecast
- Return to growth in 2010
- Figure 11: Forecast of new SIPP APE* premiums, 2004-14
- Factors used in the forecast
- Key points
Market Share
- Key points
- Market share is difficult to determine
- Top four providers account for 60% SIPP market share
- Figure 12: SIPP market share, by value of in-force business, September 2009
- Aegon dominates insured SIPPs market share
- Figure 13: Insured SIPPs market shares, September 2009
- Fully self-invested SIPP market share
- Figure 14: Fully self-invested SIPP market shares, September 2009
- Key points
Companies and Products
- Major players
- Aegon Scottish Equitable
- AJ Bell
- Hargreaves Lansdown
- James Hay
- Standard Life
- Suffolk Life
- Major players
Brand Communication and Promotion
- Key points
- Pension-related adspend down by a quarter in 2009
- Figure 15: Pensions advertising expenditure, by sub-category, year to October 2007-09
- Top ten pension advertisers account for 70% of total adspend
- Figure 16: Advertising expenditure by the top ten pensions advertisers, years to October 2008 and 2009
- Majority of advertising done through specialist publications
- Figure 17: Overview of media type used to advertise pensions-related products, year to October 2009
- Key points
Channels to Market
- Key points
- Most new personal pension business driven by IFAs
- IFAs responsible for 89% of new SIPP business in 2009
- Figure 18: Proportional distribution of new APE* premiums into SIPPs, by distribution channel, 2004-09
- Technological advances could eventually lead to more direct sales
- Key points
The Consumer – Asset and Product Ownership
- Key points
- Asset ownership
- Still a high-end product
- Figure 19: Asset ownership, October 2009
- Male, middle-aged and professional
- Figure 20: Profile of SIPP target groups, by gender, age, socio-economic group, detailed lifestage, lifestage and marital status, October 2009
- Income, or assets?
- Figure 21: Profile of SIPP target groups, by working status, gross annual household income and region, October 2009
- The potential for online SIPPs
- Figure 22: Profile of SIPP target groups, by internet usage frequency, web use and newspaper readership, October 2009
- Product ownership
- An above-average range of investments held
- Figure 23: Amount of different types of investible assets held, by level of investible assets, October 2009
- SIPPs are niche, even among the well off
- Figure 24: Pension ownership, by level of investible assets, October 2009
- Property moving people up the wealth ladder...
- …but will they really still want to be landlords in retirement?
- SIPPs' appeal spans the age groups
- Figure 25: Asset ownership, by gender and age, October 2009
- The concentration on high earners
- Figure 26: Asset ownership, by socio-economic group and gross annual household income, October 2009
- Key points
The Consumer – Attitudes Towards SIPPs
- Key points
- Relatively high degree of product recognition…
- Figure 27: Statements on SIPPs and taking control over pension investments, October 2009
- …but sales may have to come through IFAs
- Good news – or bad?
- Appeal among the affluent…
- Figure 28: Statements on SIPPs and taking control over pension investments, by value of investible assets, October 2009
- …but a strange lack of interest among those who might benefit from consolidation
- Figure 29: Statements on SIPPs and taking control over pension investments, by form of investible assets, October 2009
- Mixed signals across all age groups
- Figure 30: Statements on SIPPs and taking control over pension investments, by gender and age, October 2009
- ABs and the willingness to take control
- Figure 31: Statements on SIPPs and taking control over pension investments, by socio-economic group and lifestage, October 2009
- Higher earners taking advantage of the tax breaks
- Figure 32: Statements on SIPPs and taking control over pension investments, by household income and online activities, October 2009
- Key points
The Consumer – Advice and Targeting Opportunities
- Key points
- High street banks are still a key channel
- Figure 33: Sources used for financial or investment advice, by total value of investible assets, October 2009
- Some scope for high street sales…
- Figure 34: Statements on SIPPs and taking control over pension investments, by key advice channels, October 2009
- …but IFAs remain the most promising sales channel
- Key points
Appendix – The Consumer – Asset Ownership
- Figure 35: Asset ownership, by total value of investible assets, October 2009
Appendix – Market Background and Definitions
- What can be held in SIPPs and how the product has evolved
- SIPP types
- Other definitions
- A-day changes aimed to encourage greater pension participation
- SIPP market fully regulated since April 2007
- What can be held in SIPPs and how the product has evolved
Companies Covered
- A J Bell Limited
- Abbey
- Aegon Group
- Alliance Trust Savings Ltd
- Association of British Insurers
- Association of Consulting Actuaries
- Aviva Plc
- AWD Wealth Management
- AXA UK plc
- Bank of England
- Barclays Bank plc
- BNP Paribas
- BT Group plc
- Burns Anderson Independent Network PLC
- Cadbury Trebor Bassett
- Cater Allen Ltd
- ComPeer Limited
- Diageo UK
- Dunfermline Building Society
- Fidelity Investment Services Limited
- Financial Services Authority (The)
- Friends Provident plc
- Government Actuary's Department (GAD)
- Grupo Santander Central Hispano S.A.
- Hargreaves Lansdown Plc
- HBOS plc (Halifax Bank of Scotland)
- Hornbuckle Mitchell Trustees Limited
- HSBC Private Bank (UK) Limited
- James Hay Pension Trustees Limited
- Legal & General Assurance Society Limited
- Legal & General Group PLC
- Lighthouse Group Plc
- London Stock Exchange plc
- Market & Opinion Research International (MORI)
- MetLife Investors Insurance
- Newton Investment Management Limited
- Norwich Union
- Office for National Statistics
- Pointon York SIPP Solutions
- Principality Building Society
- Prudential plc
- Quilter & Co Ltd
- Royal Albert Hall
- Scottish Equitable
- Scottish Life
- Scottish Widows Bank plc
- St James' Place Plc
- Standard Life Assurance Company
- Suffolk Life
- Tenet Group Ltd
- UBS Wealth Management UK Ltd
- Winterthur Life UK Limited
- Zurich Financial Services


text:
Light heifers fare best in a week of mixed fortunes at the marts
A glance at Ringside shows a pretty mixed week for the weanlings, and worse again for the steers and heifers.
The lighter heifers fared better. Steers in the main were back by 2-4c/kg, with the lighter types selling for €2.40-3.05/kg. The 400-500kg lots sold for €2.25-2.80/kg, while heavier steers made from €2.15-2.60/kg. Plainer types were back by up to 8c/kg in places and making from €1.80-1.90/kg.
Heifers under 500kg were making from €2.35-2.90/kg. Heavier lots sold for €2.20-2.65/kg. Lesser quality lots were down by 2-4c/kg and selling for €1.85-2.15/kg. Light Bulls under 300kg suffered a 3-6c/kg dip and moved at €2.50-3.20/kg. Lots between 300-400kg had better luck with the better types up by 7c/kg in a range from €2.35-3.00/kg. The best of the bulls over 400kg were up by 6c/kg and making up to €2.75/kg. Poorer bulls were selling for €1.70-2.00/kg.
Quality weanling heifers made from €2.90-3.45/kg with the lighter lots at the higher figure. Average lots sold for €2.45-2.85/kg and plainer types moved at €2.20-2.31/kg, which reflected a fall of up to 16c/kg.
Dowra reported an easier trade for the 520 cattle on offer last Saturday. Weanling heifers under 300kg were making from €1.80-3.60/kg. Lots from 300-400kg moved at €2.00-3.50/kg and the 400-550kg lots at €1.90-2.80/kg. Heavier types made from €2.10-2.50/kg.
Weanling bulls up to 300kg made from €1.70-3.80/kg, while those between 300-400kg sold for €1.80-3.70/kg. Bulls over 450kg ranged from €2.10-2.80/kg. Store bullocks under 550kg were selling for €1.90-3.10/kg. Lots over 550kg made from €1.90-2.50kg. The best of the cull cows varied from €1.80-2.40/kg, while the feeding cows made from €1.20-2.00/kg.
Store bullocks under 400kg were making from €600-800 with the weight or from €1.97-3.52/kg in Balla. Heavier bullocks ranged from €1.28-3.27/kg. The light heifers moved at €1.86-3.40/kg. Lots over 400kg made from €1.71-3.13/kg. The best cull cow was a six year-old 875kg Charolais that sold for €2,000. A five year-old Charolais cow with a Limousin bull calf at foot topped the sucklers at €2,700.
The weanlings were a great trade with all the shippers present and some good quality cattle on offer. Light bulls were selling for €1.52-3.90/kg, while heavier lots made from €1.61-3.33/kg. Heifer weanlings met with lively demand from farmers for breeding especially Belgian Blue crossbreds. The lighter types were making from €2.06-3.91/kg, while heavier types made from €2.42-3.34/kg.

subset: commoncrawl


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Recording of the sounds of the Moray Firth near Nairn / Scotland. Apart from some seabirds you can hear the sound of a ship, moored near the shore. PCM M10 recorder.
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Theme >> WordPress - Imperial Hotel WordPress Theme 14106 by Klasik Themes @ CreativeMarket
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photo edit
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Dreamspinner Press, 10/09
SETTING: England, 1800′s (?)
GENRE: M/M Historical Romance
HERO: Loel Woodbine
HERO: Valentine Randwick
From Publisher: The Randwick family is as noble as any but lives in greatly reduced circumstances. When Loel Woodbine, Duke of Marche and heir to three fortunes, makes an offer for Miss Valeria Randwick's hand, it seems like a godsend, but the young lady has already promised her heart to another—and a commoner, at that.
Desperate to avoid the marriage, Valeria concocts a wild scheme that depends upon the good graces of her monastery-raised brother, Valentine. When the prospective groom sees through the ruse, he surprises Valentine by agreeing to cooperate. But can Marche and Valentine fool London society while dealing with an accusation of murder and the distracting fascination between them?
MY THOUGHTS: I must admit that the premise of this book sounded good. Unfortunately, the story wasn't to my liking. The masquerade itself was totally unbelievable and I don't think it would have worked in real life.
Both lead characters were very likeable. Loel was attracted to Valentine instantly and didn't hesitate to let him know. There were three or so very graphic sex scenes, which I enjoyed. They professed their love for one another way too soon.
I feel like the mystery as to who murdered a certain someone took over most of the story and that disappointed me. I wanted to read a romance, not mystery.
Both heroes ages weren't given nor was the year this story took place. That info should always be given. Oddly and throughout the entire story, a word from a sentence would be missing for no reason. I've never encountered that before.
Overall, I was unsatisfied and I'm not sure if I'd try this author again.
I received this book from the publisher in exchange for an honest review.


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Moore fined over positive swab
A MYSTIFIED George Moore has been fined $20,000 by the Macau Jockey Club after trophy-winning galloper Strong Force returned a positive swab to a banned substance.
In the 30-year training career of the Australian wizard, it was the first time he had ever been involved in a positive swab inquiry.
'They know and I know that the horse involved was never under this treatment. It has been a major mistake or else I have been set up, but it was probably the former,' said Moore yesterday.
Strong Force won the important $300,000 Macau Golf and Country Club Trophy on Sunday, April 9, but a subsequent analysis found the horse test positive to Isoxsuprine.
The drug, which is used to treat problems with horses' feet and circulation, can be used under veterinary supervision and within the normal time limits. It is administered orally.
But Moore stressed that at no time was Strong Force under such treatment.
'He had a back problem, nothing wrong with his feet. I had a chiropractor up from Australia for him because he is a good horse. The only people who administer anything to my horses are myself, Michelle (his daughter and assistant trainer) and my supervisor.
'None of us was treating this horse with Isoxsuprine,' said Moore, who now leads the trainers' championship in his first Taipa season by four winners. The former multiple champion trainer of Hong Kong, who ruled racing here for over a decade, said that the swab result came at a time when there was considerable movement in stables at Taipa.
'I had horses moving from one stable to another and there were a lot of people coming or going from one yard to another, along with horses.
'It could have been a big mistake with somebody administering the treatment to the wrong horse. Either that or I was set up.'
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The Riverside Nature Center will host Earth Science Day.
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Please be sure to input the exact address that you used when you registered with Praxisdienst. Otherwise, your e-mail address cannot be found by the server.
If you are still having problems logging in, despite inputting the correct e-mail address, and you did not receive the "password forgotten" e-mail, please contact us by Email at the following address: firstname.lastname@example.com
The triglyceride test strips allow the triglyceride value in capillary blood samples to be determined in only seconds. Tests are as easy to carry out as with a conventional blood glucose monitor.
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text:
Survival Hunter DPS Gear, Legendaries, and Best in Slot (Legion 7.3.2)
Table of Contents
- +Introduction
- 1. Class Overview
- 2. What Has Changed in 7.3?
- 3. How Does it Work?
- 4. Viability of Spec Choices in Patch 7.2.5
- 5. Strengths
- 6. Weaknesses
- 7. Contents
- 8. ChangeLog
- +Easy Mode
- +Spell Summary
- +Builds and Talents
- 1. Talent Cheat Sheets
- 2. Tier 1 (Level 15) Talents
- 3. Tier 2 (Level 30) Talents
- 4. Tier 3 (Level 45) Talents
- 5. Tier 4 (Level 60) Talents
- 6. Tier 5 (Level 75) Talents
- 7. Tier 6 (Level 90) Talents
- 8. Tier 7 (Level 100) Talents
- 9. Pet Talents
- 10. ChangeLog
- +Artifact Traits and Relics
- +Netherlight Crucible Relic Paths
- +Rotation, Cooldowns, and Abilities
- 1. Single Target Rotation
- 2. Multiple Target Rotation
- 3. Legendaries & Rotational Changes
- 4. Cooldown Usage
- 5. Opener Sequence
- 6. Optional Read: Mastering Your Survival Hunter
- 7. ChangeLog
- +Stat Priority
- +Gems, Enchants, and Consumables
- +Macros and Addons
- 1. Macros
- 2. Addons
- 3. ChangeLog
- ×Gear, Legendaries, and Best in Slot
- +Simulations
General Information
This page is a gear reference for Survival Hunters. It lists your best items and Legendaries, gives you gearing advice, and shows you how you will be competing for loot with other classes.
The other pages of our Survival Hunter guide can be accessed from the table of contents on the right.
About Our Author
This guide has been written by Azortharion, the main theorycrafter of the spec. He is also an accomplished player who raids in Solaris. You can also watch his stream on Twitch.
1. Best in Slot List
Bear in mind that all of this is subject to change based on Warforging and Titanforging happening on gear, so this is absolutely a guideline and not a rule. Note that it is also just dealing with gear from raid environments, so this could change if you are spending a large amount of time in Mythic+ and gaining different, rarer pieces.
|Wildstalker Helmet
|Demonic Inquisition
|String of Extracted Incisors
|Demonic Inquisition
|Wildstalker Spaulders
|Fallen Avatar
|Wildstalker Cape
|The Desolate Host
|Hauberk of Frozen Mist
|Pain-Singed Armguards
|Vicegrip of the Unrepentant
|Pristine Moon-Wrought Clasp (Trash drop) or Waistguard of Interminable Unity
|Trash mobs in Tomb of Sargeras or Sisters of the Moon
|Wildstalker Leggings
|Mistress Sassz'ine
|Star-Stalker Treads
|Ring #1
|Seal of the Second Duumvirate
|Ring #2
|Scaled Band of Servitude
|Trinket #1
|Specter of Betrayal
|Trinket #2
|Cradle of Anguish
|Demonic Inquisition
|Storm Relic
|Felsoul Vortex for a single-target focus. Preserved Starlight Incense for a multi-target focus.
|GorothThe Desolate Host
|Iron Relic
|Reactive Pylon Casing
|Fallen Avatar
|Blood Relic
|Man'ari Blood Pact
2. Trinket Rankings
Right-click the image and open in a new tab, or access the sheet directly with the link below to see it in full.
This trinket simulation spreadsheet is inherited from this spreadsheet, where you can also see the underlying data. Note that sometimes the spreadsheet on this link may be slightly broken as it is tinkered with by me. The screenshot above reflects the most recent, up-to-date version of the trinket sim.
3. Legion Legendaries
This is a comprehensive list of the non-spec specific legendaries that are available to Hunters in Legion. Legendaries can drop from daily loot chests, the Class Order Hall Mythic+ loot chest, the PvP loot chest, 5-man dungeons of all kinds, world bosses, and raid bosses from all difficulties. The spec-specific Legendaries will be listed under their respective class guide.
The Shadow Hunter's Voodoo Mask is a Legendary helmet which heals you for 20% of your maximum health whenever you use Feign Death, as well as an additional 5% of your health every second for 10 seconds for as long as you remain feigned. This can be an extremely useful self-heal when needed during raid encounters and Mythic+ encounters.
Prydaz, Xavaric's Magnum Opus is a Legendary necklace which gives you an absorb shield for 25% of your maximum health for 30 seconds, every 30 seconds. This makes it the strongest survivability legendary, especially since you will passively benefit from it. From a progression raiding standpoint where damage output is often not the primary concern, it is an incredibly strong legendary from a survivability standpoint, and it gives a lot of secondary stats which is a significant boost to DPS as well.
Roots of Shaladrassil are a pair of Legendary leggings that cause you to gain 3% health every second for as long as you stand still. The first heal occurs 1 second after you stop moving. This is the weakest survivability legendary, since the healing done does not add up to nearly as much damage prevented as Prydaz does, although the high item level of a high-budget item like legs makes it decent as far as non-DPS legendaries go.
Sephuz's Secret is a Legendary ring that gives you 70% increased movement speed and 15% Haste for 10 seconds whenever you apply a crowd control effect (stun, roots, silenced and so on) to non-boss enemies. It also increases movement speed by 10% and Haste by 2% passively. It can act as a damage and mobility boost on add-heavy encounters where you have to slow enemies, and it is a decent legendary for most Mythic+ dungeons.
Kil'jaeden's Burning Wish is a Legendary trinket that gives you a ton of stats passively, and has an on-use proc with a 1:15 minute cooldown that deals heavy, critical AoE damage around the target it hits. This is a powerful burst AoE legendary, and its heavy base stats makes it very powerful in general. Because it always crits, it has good synergy with Marksmanship's Trueshot cooldown, which increases critical strike damage by 50%, and it should be used together with Trueshot as often as possible.
3.1. Survival Legendaries
Unseen Predator's Cloak is a new Legendary cloak. It causes you to have 10% increased critical strike chance against enemies that are affected by Explosive Trap, emphasizing the importance of using this on cooldown. It is moderately powerful.
Soul of the Huntmaster is a new Legendary ring that gives you the Serpent Sting talent without having to choose it, letting you choose another Level 90 talent to use at the same time. On AoE-based fights, this ring can be desirable as it allows you to use Butchery for the burst AoE, which will then spread Serpent Sting to everything it hits. For single-target, it is fairly weak.
Call of the Wild are a pair of Legendary bracers which reduces the cooldown of all Aspects by 35%. This applies to Aspect of the Wild, Aspect of the Cheetah, Aspect of the Turtle,and Aspect of the Eagle for Survival Hunters as well. On top of being a very powerful DPS Legendary, it also brings a good survivability and mobility boost in reducing the cooldown of Aspect of the Turtle and Aspect of the Cheetah.
Helbrine, Rope of the Mist Marauder is a Legendary belt that causes your Harpoon ability to increase your damage done by up to 30% for 10 seconds after using it on a target. The damage bonus increases the further away you were from the target when you pressed your Harpoon ability. This is an especially powerful opening burst legendary, and it can help when dealing with lots of adds in a large room. It goes without saying that you should attempt to use Harpoon from as far away as possible when using this Legendary.
Nesingwary's Trapping Treads are a pair of Legendary boots which causes your traps (and Caltrops) to give you 25 Focus whenever they are triggered. In a DPS context, this mostly applies to Explosive Trap and Caltrops // Steel Trap, but it can also be a DPS gain when using Tar Trap or Freezing Trap to deal with certain adds.
Frizzo's Fingertrap is a Legendary ring that causes your Carve ability to spread the Lacerate debuff to another, nearby target whenever you use it on a target that already has the Lacerate debuff. This is a very useful cleave Legendary, since the Lacerate ability does a lot of damage. Using it involves casting Carve to refresh Lacerate instead of the Lacerate ability itself, as well as Serpent Sting, even on a single target.
Butcher's Bone Apron is a new Survival legendary chest added in Patch 7.1.5. It causes Mongoose Bite to increase the damage of your next Carve or Butchery by 10%, stacking up to 10 times, meaning that consecutive Mongoose Bites can stack up significantly, leading to extremely big hits of Butchery in Mythic+ particularly. It is a useful Legendary for Mythic+, and situationally very useful for AoE fights in raids.
3.1.1. Survival Legendary Ranking
This list seeks to rank all the Legendaries in terms of desirability. This will be done in different tiers rather than a hard 1-2-3 list. Tier 1 contains BiS legendaries for most encounters, Tier 2 are all contenders for the second BiS slot depending on the situation, while Tier 3 Legendaries are generally undesirable.
- Tier 1 - Best in Slot
- Call of the Wild
- Sephuz's Secret for the secondary stat bonus + Haste.
- Prydaz, Xavaric's Magnum Opus for the high amount of secondary stats + the shield.
- Tier 2
- Soul of the Huntmaster - Good when using Butchery, terrible otherwise.
- Kil'jaeden's Burning Wish
- Frizzo's Fingertrap - Best in Slot when using the Pumpo build. Good cleave/AoE legendary even when not using that build.
- Roots of Shaladrassil
- The Shadow Hunter's Voodoo Mask
- Butcher's Bone Apron (only useful when using Butchery)
- Tier 3
Single Target:
Multiple Targets:
- Call of the Wild
- Butcher's Bone Apron (bursty AoE)
- Frizzo's Fingertrap (sustained cleave)
Honorable Mentions:
- Prydaz, Xavaric's Magnum Opus has very good stats and an excellent survivability effect
4. Loot Competition
Regarding the loot you will get from raid or dungeon bosses, you will compete with other classes in the following cases:
|Item Type
|Competing Classes
|Tier Tokens
|Beast Mastery/Marksmanship Hunters, Monks, Shamans, and Warriors
|Mail Armor
|Beast Mastery/Marksmanship Hunters and Shamans
|Havoc Demon Hunters, Feral Druids, Windwalker Monks Beast Mastery/Marksmanship Hunters, Rogues, and Enhancement Shamans
5. ChangeLog+ show all entries - show only 10 entries
- 19 Nov. 2017: Updated trinket sims to include Antorus trinkets. It is based on a T21 4p gearset.
- 09 Oct. 2017: Redid the Survival Legendary ranking.
- 06 Sep. 2017: Updated trinket simulations. Rearranged and reworded Legendary rankings.
- 12 Aug. 2017: Promoted Sephuz and Prydaz legendaries to Tier 1 due to their great secondaries.
- 28 Jul. 2017: Updated trinket simulations.
- 25 Jun. 2017: Updated trinket simulations.
- 17 Jun. 2017: Updated trinket simulations for 7.2.5. Updated Best in Slot list for the Tomb of Sargeras raid.
- 13 Jun. 2017: Added new Legendaries. Removed "Trinket to look for section" and other sections that are now invalidated or no longer useful, to pave the path for something new in Tomb of Sargeras.
- 07 May 2017: Removed a confusing paragraph about what tier you should pick if you have certain legendaries.
- 06 May 2017: Added Convergence of Fates to trinkets to look for.
- 04 May 2017: Added experimental way of ranking Legendaries.
- 17 Apr. 2017: Trinket sim updated.
- 27 Mar. 2017: No changes needed for Patch 7.2.
- 17 Mar. 2017: The trinket spreadsheet now also has legendary sims in it.
- 27 Feb. 2017: Trinket sim update.
- 25 Feb. 2017: Update BiS belt and trinkets.
- 18 Feb. 2017: Updated legendary ranking.
- 16 Feb. 2017: Added link to trinket sim spreadsheet. Updated Legendary rankings. SimCraft's implementation of Aspect was fixed, vastly improving Call of the Wild.
- 13 Feb. 2017: Added new trinket sims. These sims test trinkets at a ton of different item levels, color coded for easy comparison.
- 11 Feb. 2017: Updated BiS legendary to Call of the Wild after SimCraft's issues with Aspect of the Eagle were fixed.
- 08 Feb. 2017: Updated "trinket to look for section", and legendary rankings + Frizzo description.
- 07 Feb. 2017: Trinket sim update.
- 26 Jan. 2017: Updated trinket sims with all the changes in hotfixes since 7.1.5. Updated BiS list accordingly. Added information about second-best tier item slots in case you have a Legendary that breaks the set. Updated legendary ranking.
- 17 Jan. 2017: Updated trinket sims. Add BiS list.
- 14 Jan. 2017: Update Call of the Wild description. Add Legendary trinket to description (but not ranking yet).
- 13 Jan. 2017: Legendary boots give 25 Focus, not 15 now.
- 12 Jan. 2017: Fresh trinket sims. Update Legendary ranking.
- 09 Jan. 2017: Updated for Patch 7.1.5.
- +Introduction
- 1. Class Overview
- 2. What Has Changed in 7.3?
- 3. How Does it Work?
- 4. Viability of Spec Choices in Patch 7.2.5
- 5. Strengths
- 6. Weaknesses
- 7. Contents
- 8. ChangeLog
- +Easy Mode
- +Spell Summary
- +Builds and Talents
- 1. Talent Cheat Sheets
- 2. Tier 1 (Level 15) Talents
- 3. Tier 2 (Level 30) Talents
- 4. Tier 3 (Level 45) Talents
- 5. Tier 4 (Level 60) Talents
- 6. Tier 5 (Level 75) Talents
- 7. Tier 6 (Level 90) Talents
- 8. Tier 7 (Level 100) Talents
- 9. Pet Talents
- 10. ChangeLog
- +Artifact Traits and Relics
- +Netherlight Crucible Relic Paths
- +Rotation, Cooldowns, and Abilities
- 1. Single Target Rotation
- 2. Multiple Target Rotation
- 3. Legendaries & Rotational Changes
- 4. Cooldown Usage
- 5. Opener Sequence
- 6. Optional Read: Mastering Your Survival Hunter
- 7. ChangeLog
- +Stat Priority
- +Gems, Enchants, and Consumables
- +Macros and Addons
- 1. Macros
- 2. Addons
- 3. ChangeLog
- ×Gear, Legendaries, and Best in Slot
- +Simulations
- WoW Arena World Championship Recap Video
- Patch 7.3.2 Hotfixes: Nov 21
- Black Friday Sales For Various Blizzard Games
- Antorus: the Burning Throne Preview [Official]
- This Week in WoW: Nov 21
- Pilgrim's Bounty 2017 Event (Nov 20 - 27)
- The Latest Reddit Craze: Sylvanas As...
- Live Developer Q/A Round-up: Nov 16
- Fire Mage - What do you have keybound to which key
- Frost DPS?!
- Sub rogue AOE help
- Struggling with Sub spec, could use some help
- What is the point of a cosmetic item that cant be used
- Outlaw rogue dps help
- Class Discord Channels
- My Ret Pally's dps is just pitiful
- Sub rogue AOE help
- Prot Warr HP and M+
- Outlaw rogue dps help
- Battle of Azeroth
- Blood Death Knight 7.3
- Struggling with Sub spec, could use some help
- Marksmanship Hunter 7.3
- My Ret Pally's dps is just pitiful


text: I just got a droid eris phone and had it flashed etc. I have no problem going to the web, however whenever I go to android market, it all of the sudden asks for the password to an email that does not exist. Perhaps the fools at metro added it generically to make work? (IE email@example.com). Anyways, I am ASSuming the only reason I can't get into the market is simply this password issue. so I was going to factory reset the phone and then add a new main email address. My Noob questions is this: AM I think correctly or will it screw up flashing, delete it, etc? I have spent the better part of a few hours adding the metro flash, etc for web. Im learning, but I really dont feel like screwing something up and I cant seem to find documentation on something this vague. TIA Peace JSammy


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Being Safe in Rural Areas
General safety
- Allow children to perform age-appropriate farm work only under supervision.
- Construct Barriers to keep children from entering hazardous areas, especially open bodies of water.
- Turn off all farm machinery and equipment whenever children are near.
Transportation safety
- Children should be appropriately restrained in the back set with a car seat or seat belt every time they ride in a motor vehicle.
- Never allow anyone to ride in a pickup truck bed.
- Never allow children ages 15 and under to ride on or operate all-terrain vehicles (ATVs), snowmobiles or tractors.
- Never allow passengers on tractors, mowers or minibikes.
Machinery safety
- Never allow children to drive a tractor. They do not have skills or judgment to operate a tractor until about age 14.
- Post No Rider decals on tractors and do not allow passengers, even in a cab or back of pick-up truck.
- Never allow children in work areas, or allow them to play on idle machinery. When not in use, remove keys and keep out of reach.
- Make sure master shields are secure on power take- off units and augers.
- Always know where children are when backing up, and double-check blind spots.
- Store properly; keep hydraulic equipment (front-end loaders) in down position, and lock brakes on self- propelled machinery.
- Keep reflectors and rear lights in good condition, and make sure brakes work properly.
- Never allow children to play in grain, ride in grain wagons, or get into bins or hoppers. Grain may fascinate children, but it acts like quicksand.
- Never allow children in areas where grain is loaded or unloaded.
- Never leave an auger or wagon unattended. Grain entrapments happen quickly and few adults are strong enough to rescue even a young child.
- Post warning decals on wagons and bins.
Livestock safety
- Never allow children independent access to animals.
- Always supervise children under age eight around livestock, even when outside a fence. Do not count on them to be calm or not tease animals.
- Always supervise young horseback riders, both on and off the horse and make sure they wear the appropriate safety equipment.
- Always wear hard shoes.
- Beginning about age five, teach children simple rules about livestock such as how to treat them, where to stand, and which animals to avoid. But do not count on them to abide by rules until at least age eight.
Chemical safety
- Understand why children are poisoned. Theyre naturally curious, can be attracted to containers and bright colors, want to imitate parents, and tend to put things into their mouths.
- Know whats dangerous: pesticides and fertilizers; soaps, bleaches, starch, stain remover, and other cleaning products; drain cleaner; dairy pipeline cleaner; paints and related products; fuels; treated seed, and vegetation that is toxic (certain garden and household plants), or items that have been sprayed or treated.
- Teach children at age two not to eat or drink anything unless given to them by a familiar adult. Dont expect them to abide by rules until at least age eight.
- Teach children at age five to get permission before eating homegrown fruits and vegetables.
- Do not allow children to be on recently treated grass or ground. Check label for safe re-entry time.
- Use safety closures, although child resistant caps are only 35 percent effective even when used correctly.
- If children accompany adults who bring meals to field workers during pesticide application season, make sure workers remove coveralls and wash hands with soap and water before touching family members, and that children stay in vehicle or on a clean blanket.
- Keep toxic substances in original containers with label about first-aid procedures and chemicals involved.
- Keep gas and fuel in proper containers.
- Keep all toxic substances (including spigots, hoses, pumps, and rags) on high shelves in either a locked building or inaccessible area.
- Never leave toxic products unattended during use, and avoid using poisons in front of children.
- Do not mix poisons in containers once used for food or drink. Mark with poison decals. Rinse immediately and return to locked storage.
- Discard dangerous substances properly in a way that children have no access to them.
- Post danger signs around locked chemical storage areas.


text:
Town to Pay Loan Fee for Nugent
Thursday, 21st Feb 2008 17:35
Harry Redknapp says the Blues have offered Portsmouth a loan fee in order to secure David Nugent's services for the final three months of the season. Redknapp revealed earlier today that the striker is free to join Town on loan if he wants to.
Redknapp said: "Ipswich's chairman has approached Peter Storrie about it. It would be a deal where they would pay money to have David on loan.
"David needs to play some games and score some goals. If he can help Ipswich get back into the Premier League it would be good for him and good for everybody.
"The lad Michael Chopra, who Sunderland signed in the summer, hasn't played all the time either. It's a big step up and it takes players time to adjust.
"I've got Defoe, Kanu, Baros and Utaka who can all play through the middle. So I've got options.
"David needs some more time to get fit, but when that happens I'll have a chat with him and see if he fancies it. If he does, it's a possibility.
"I've spoken to him about it already but he wants to get himself fit first and to talk to his agent about it."
Loan fees are becoming increasingly common with the Blues previously paying to take Gary Roberts and Franny Jeffers on short-term spells.
Nugent is expected to return to training on Monday or Tuesday after picking up a groin strain earlier this week.
Danny Baker Live! Good Time Charlie's Back. Ipswich Regent Theatre, Ipswich, Thursday 10th May 2018 at 19:30. Get your tickets before they sell out.
Please report offensive, libellous or inappropriate posts by using the links provided.
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text:
Release date: February 3, 2017
Studio: Paramount Pictures
Director: F. Javier Gutiérrez
MPAA Rating: PG-13 (for violence/terror, thematic elements, some sexuality and brief drug material)
Starring: Matilda Lutz, Alex Roe, Johnny Galecki, Aimee Teegarden, Bonnie Morgan, Vincent D'Onofrio
A new chapter in the beloved "Ring" horror franchise. A young woman becomes worried about her boyfriend when he explores a dark subculture surrounding a mysterious videotape said to kill the watcher seven days after he has viewed it. She sacrifices herself to save her boyfriend and in doing so makes a horrifying discovery: there is a "movie within the movie" that no one has ever seen before…


text:
McConnell backs green council tax reform
Scottish First Minister Jack McConnell has vowed to give local authorities powers to offer council tax discounts to households that recycle more or adopt energy-efficiency measures if the Labour party stays in power after May's election.
Sorry you do not have access to this article. Please contact Customer Support at
or call 020 8267 8120


text:
A couple of years ago I discovered the witty brand The Bright Side, and was immediately hooked! I found a makeup bag in a local store, and was giggling away to what was written on it; 'Real life photoshop for my face'. It couldn't get more honest than that!
And that's what The Bright Side is all about – blunt and hilarious comments written is a scrappy style, that makes people laugh.
Even though it was a makeup bag I bought at this time, The Bright Side mainly focuses on homeware, such as biscuit tins, mugs and baking items, but also note pads, signs, etc. You can see the majority of their range at Mollie & Fred – prepare to giggle!
I recently invested in a cake stand and some cake plates from this brand as I thought they looked really cute, and at the same time were hilarious
I mean – just read what it says on these plates!
'The voices say I must eat cake", and "Goodbye waistline, hello cake!"
As I said before – very honest and witty comments, that reflects what people really are thinking in this situation.
The other 2 plates in the set of 4 say;
'How bad can it be when there's cake', and 'Me & cake are in love'.
And I've saved the best one for last – the main item in this set, which is the cake stand, says the absolutely brilliant comment of;
'Put the cake on the plate & nobody gets hurt'
The white fabric napkins with a lace edge and an embroidered 'M' on each of them, as well as the shabby chic style heart shaped napkin rings in white, were a gift from my grandma.


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Mrs. Hulstine, Junior High Librarian, will be launching The Reading Circle Program beginning on October 21, 2013 as the 2nd Quarter starts. The Reading Circle Program is a program that has been on-going for more than 100 years. Started by the Missouri Teacher's Association, it has encouraged countless Missouri students to discover a life-long joy for reading. It is intended to encourage students PreK-High School to read at school and at home.
To qualify for a Reading Circle certificate at the end of the year, students must read the following number of books:
7th grade- 24 books (15 fiction, 9 non-fiction)
8th grade- 26 books (17 fiction, 9 non-fiction)
Reading Circle Log Sheets are due to Mrs. Hulstine by May 1st! Stop by the LMC to pick up your log sheet or print it from the LMC website here.
News >


text:
This week's Specialist bulletin includes a review of the catchment-based approach to water quality and news from the chancellor's spending review. On a busy morning DEFRA announced the results of its triennial review of the Environment Agency and Natural England - both are retained but face further reform. There was news on the level of flood funding and preliminary agreement on a 'Flood Re' insurance scheme for homes at high risk of flooding.
Visit our dedicated specialist page or follow me on Twitter @drsimevans_ENDS for the latest environmental news and analysis. You can email me at email@example.com.
Government experts back soil screening projectThe Committee on Toxicology has approved the C4SL project which will draw up new screening values for assessing contaminated land, but transparency remains a concern
SocEnv announces ambitious growth plansThe Society for the Environment wants to increase its members and the number of chartered environmentalists
Spending review means more job cuts for DECC and DEFRAThe review does not bode well for the departments' arm's length bodies either, or for spending on conservation, but it contains a few rays of light for business
Six SVHCs added to REACH's candidate listThe additions include non-stick coating precursors listed using a new 'weight of evidence' approach which has never been used before
Six more substances up for REACH authorisationFlame retardant decaBDE and five other substances have been put forward for strict controls under the EU's REACH regime for chemicals
Offshore wind developers guided over cumulative impactsData sharing, early engagement and clear requirements from regulators are among 11 principles for cumulative impact assessment
Scotland plans local air quality management reformThe Scottish government is the first to launch plans to reform the council air quality regime. DEFRA is expected to follow soon
Planning eased for 'nationally significant' manufacturing and mining projectsThe secretary of state can now decide on large manufacturing or mining plans but is not changing the regime for coal or shale gas projects
Water quality: Managing from the ground upEfforts to improve river water quality through local partnerships are being rolled out across England after a pilot phase. Simon Evans reports
Infographic: Environmental buzzwordsHow has the popularity of environmental terms waxed and waned over the past five years? A Google search reveals some interesting trends


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Introduction to TC Family Office
The origins of the Family Office concept stretch back to the 19th century when early models, focused on managing the affairs of single, wealthy families, emerged on both sides of the Atlantic. The concept has evolved since then and now extends to multi-family offices serving the needs of more than one family. The term 'Family Office' itself has also evolved over time and now has multiple meanings depending on its context – often with investment as a sole focus.
At Turcan Connell, we believe that a Family Office service should offer our clients a great deal more.
TC Family Office is built around the principle of 'trusted counsel' – a constant source of sophisticated advice, guiding the family on every aspect of their affairs.
We blend tradition with modern thinking to structure the family's affairs providing absolute peace of mind that all aspects have been considered in depth and from every angle.
Each family receives a service that is personal to them and which integrates the skills of a powerful team of professionals, including leading private client lawyers and specialists in property, tax compliance, tax planning and trust accounting.
We work alongside external professional advisers such as IFAs and investment managers. This collaborative process means that TC Family Office is able to assist in complex and specialised areas such as long-term saving and investment, retirement planning and tax efficient investment structures such as ISAs, SIPPs and Life assurance bonds.


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With First Tutors you can find a private drama teacher in Bicester and across the UK. Private drama tuition is an excellent way to improve confidence as well as increasing grades and doesn't have to be boring! Please use our service to search for Bicester drama tutors and select the one who best meets your needs.
First Tutors is the only place to discover through one search the most suitable Bicester drama tutors for your needs, helping you find a home Bicester drama tutor for any subject, for example, GCSE English, A-Level Maths or even university Physics. We also help with language tuition, so if you want to learn German, take a Greek course or prepare yourself for French life, we can help - and all in Bicester! We order drama Bicester tutors in your area by drama tuition charges and distance from you.
If you are a Bicester drama teacher wanting to offer your local drama tuition services in Bicester or anywhere else across the UK, please register with First Tutors or find out more about what we do here. Home drama tuition is a fantastic way to re-affirm your drama knowledge while helping someone else, all in the Bicester area!


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* Promo codes do not apply to this product, due to the brand's request.
New to Sette's Como Collection, this refreshing tri-fold Sette tie is printed on AAA Italian silk and perfect for a more frequent wear. Designed with light blue and violet citrus wedges against a cranberry backdrop, it is sure to add a twist to your usual suit and tie combination.
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On December 8, 2014, an application for interim approval of professional compensation was filed in the bankruptcy case of Green Mountain Management, LLC and its affiliates.
The filing was assigned docket number 138 and is described on the court's official docket as follows:
Monthly Application for Compensation for GlassRatner Advisory & Capital Group, LLC, Other Professional, for period: 11/1/2014 to 11/19/2014. Fee: $49990.50 and expenses: $0. filed by GlassRatner Advisory & Capital Group, LLC. (Sigler, Sage)
Green Mountain Management, LLC filed for bankruptcy protection, or had an involuntary bankruptcy petition filed against it, on July 25, 2014. The bankruptcy case is pending before the United States Bankruptcy Court for the Northern District of Georgia . The case number for the lead bankruptcy case is 14-64287. The bankruptcy case is currently assigned to United States Bankruptcy Judge Barbara Ellis-Monro. The law firm of Alston & Bird LLP is acting as lead bankruptcy counsel to Green Mountain Management, LLC in the bankruptcy case.


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It may have investors worrying over recent price declines, but new data has revealed that this capital city's performance was surpassed by none over the last decade.
The troubled Darwin market has actually outperformed both Sydney and Melbourne during the past decade, new statistics have revealed.
Darwin recorded the greatest house price and unit price growth over the 10 years to August 2015, according to Onthehouse data.
The city's house prices jumped an average of seven per cent per annum, while unit prices jumped an average of 7.2 per cent per annum.
Sydney was the number two market during that time, with house prices rising 6.8 per cent and unit prices rising 5.9 per cent.
Melbourne came in at number three after house prices climbed 6.8 per cent and unit prices climbed 5.6 per cent.
The ACT experienced a 4.6 per cent increase in house prices and 3.2 per cent increase in unit prices.
Adelaide residents saw prices increase by 4.5 per cent for houses and 4.7 per cent for units.
In Perth, prices rose 4.1 per cent for houses and 5.2 per cent for units.
Brisbane house prices grew 4 per cent, while unit prices grew 3.9 per cent.
Hobart had the lowest capital gains over the decade, with house prices up 2.8 per cent and unit prices up 3.3 per cent.
Across Australia, there was a 4.7 per cent increase in house prices and 4.5 per cent increase in unit prices.
Read more:
APRA changes stamping out 'marginal' investors
Exclusive series: The 6 week property transformation - episode 5
How to reduce commercial investment risks
Slow start to spring selling season
Next investment hotspots to be revealed


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Despite four home loan interest rate rises in five Reserve Bank board meetings, the property market continues to post strong results, with Ray White recording a 20 per cent boost in sales during February.
The real estate group achieved total commercial and residential sales of $2.310 billion – up from $1.934 billion recorded in the same month last year
Ray White's chairman Brian White said the company had managed to pull itself back from an "slow start to the year".
"The market appears to be absorbing the interest rate rises we have had although we are not quite experiencing the sort of gains that we were achieving towards the end of 2009," Mr White said.
Ray White's top performing market in February was Victoria, which reported a staggering 58 per cent increase on the corresponding period in 2009.
"Melbourne is consolidating its new reputation as Australia's most vibrant market," Mr White said.
"New South Wales was not left behind and continued to perform strongly with a 41 per cent improvement, whilst the other Australian states each grew by less than 10 per cent."
Source The adviser


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Wild Camp Perfection in the Arrochar Alps easily in the space of a weeked – is it possible? Not only is it possible - it can be amazing.
About an hour before this photo was taken, I decided I was never going wild camping again. Having spent an entirely sleepless night inside a sweltering tent, where for seven hours I'd been sniffed, chewed, licked, clawed and generally terrorised by a manic Jack Russell terrier, the white flag was on the verge of being waved. At 5am I leapt from my sleeping bag, tore open the tent door and began to unleash an expletive-ridden rant into the crisp Highland air – then I saw this view, and fell in love with wild camping all over again.
Our tents were pitched in a grassy bealach, right in the heart of Loch Lomond and the Trossachs National Park. Behind us stood The Cobbler, one of the truly great Scottish mountains; to our left and right were the strapping Munros of Beinn Ime and Beinn Narnain, rocky, rugged and loaded with adventure; and directly ahead was an ocean of silky grey. When we'd zipped into our tents the previous evening – under attack from a legion of midges – we'd been treated to a classic mountain vista: all rock and grass, with hulking grey peaks thrusting upwards from luscious green valleys. But if we thought that was good, we hadn't seen anything yet.
As dawn broke and the sun crept above the horizon, the landscape took on an unearthly feel. Gone were the lochs, valleys, burns and ridgelines that had characterised our ascent; and in their place was a surreal panorama of low-slung fog pierced by dark summits. You know that feeling when you gaze out of an aeroplane window and see nothing but white cloud with the odd conical peak poking through? This was pretty much the same, except without the hassle of five hours festering in an airport beforehand.
A couple of hours later we'd packed away our gear and clambered up Beinn Narnain – where the views were so good I felt like retiring from hillwalking on the spot and living there – and by 9am we were back at the car. We'd left our office in Cambridgeshire (360 miles south) at 10am the previous day, started walking around 6pm, summited The Cobbler at 8pm, set up camp by 10pm, bagged a Munro before breakfast on day two, and were south of Glasgow by lunchtime. We'd pulled off the perfect smash-and-grab adventure – full of classic mountains, outrageous scenery and uncharacteristically magnificent weather. We got in and out before the conditions turned foul and were back at our desks the following morning, having completed the entire trip in little more than 30 hours. Here's how we did it...
My day started unexceptionally in the Trail office, doing what I often do: staring blankly at the mountain weather forecast and wishing I was outdoors. Then something truly amazing happened. My grainy computer screen told me that the sun was shining... for at least two full days... in Scotland! At first I thought it must be a practical joke, but after receiving confirmation from the Met Office it seemed too good an opportunity to miss.
We grabbed a car, grabbed our camping gear, grabbed my angry little dog, then started the long haul up the A1. We didn't have time to venture too far into the Highlands or Cairngorms, so the peaks surrounding Loch Lomond were obvious targets. Ben Lomond may be Scotland's southernmost Munro, but Beinn Narnain is probably the most accessible. Sandwiched between Loch Lomond and Loch Long, around an hour's drive north of Glasgow, this craggy beast of a mountain is one of the first big challenges you'll encounter if you tackle Scotland from the south. Even better, it sits right next to The Cobbler.
So named by locals because its crooked outline is thought to resemble a shoemaker at work, The Cobbler – otherwise known as Ben Arthur – has a richly deserved reputation. With three individual rocky tops and an 884m summit that can't be reached without squeezing through a small hole and inching along an exposed ledge, it's one of the finest peaks in the Highlands – and the perfect starting point for our camping adventure. So at 6pm we parked in the large Forestry Commission car park at the head of Loch Long, just off the busy A83 road, and started uphill in balmy evening temperatures.
You'll be hard pushed to find a more rewarding walk in the UK than approaching The Cobbler on this path. It begins by winding through woodland, before running alongside the clear waters of the Allt a' Bhalachain and past the awesome Narnain Boulders. The route then cuts across a burn and heads right into the rocky centre of the peak, where a mixture of stone steps and easy scrambling guide you through a spectacular hanging corrie and up to the broad col between The Cobbler's northern and central peaks. The central summit, marked by a solid stone column, is the highest point; and only by scrambling to its pinnacle can you truly claim to have conquered the mountain.
We tagged the summit in fading daylight and – after bizarrely passing a woman meditating on the mountain's northern peak – dropped to our campsite at Bealach a' Mhaim. At the head of two valleys and surrounded by three of the grandest peaks in southern Scotland, this is a very cool place to spend the night. The ground was damp and rocky in places, but we found two perfect pitching spots and with regular water supplied by a stream running down Ben Ime's southern flank, everything pointed towards a memorable evening lounging around in the open air and chatting nonsense under the stars. And then the midge invasion began.
I've always known those blood-sucking pests can be a problem, particularly in the Scottish mountains, but nothing could have prepared us for the onslaught. We were relentlessly savaged as we assembled our tents in record time, then forced into our canvas dormitories at least two hours before light vanished from the sky. The good news was I had a good book and a bag of Kettle Chips for company, but the bad news was I wasn't alone. My mischievous canine Mario was sealed in the tent with me, seemingly on a mission to provide me with the worst night's sleep of my life. He panted, growled, snored, whimpered and barked his way through every second, leaving me bleary eyed and boiling with anger when I emerged into the cool morning air.
As mentioned earlier, that fury soon dissipated as the views began to unfold around us. The Arrochar Alps looked sensational from our camping spot, but we knew the rewards would be greater the higher we climbed; so we dropped our tents, shouldered our packs and headed for the top of Beinn Narnain. Spooky sheep silhouettes loomed out of the mist as vapour seemed to chase us up the mountain, but we soon burst back into blazing sunlight, withmountaintops looming large all around us.
The Cobbler was its usual menacing self, complete with scorpion-tail profile cutting sharply into the skyline, but Ben Lomond took star billing. With thick white cloud shrouding its lower slopes and a plume of mist trailing from its summit pyramid, it had a truly Himalayan feel. A couple of hours later, after scrambling down Beinn Narnain's fantastically gnarled southern flank and weaving through a mixture of forest and fast-flowing water, we were back at the car and heading for a well-earned bacon sandwich.
If you love camping, or even if you don't, you should plan an adventure like this. Waking up on a silent mountaintop, with the hassles of civilisation hidden far below, is a feeling you'll never forget. All you'll need is a car, two days, and some decent weather.
Words: Oli Reed / © Trail Magazine
This feature originally appeared in the August 2014 edition of Trail Magazine


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Conversations › Animal › Beekeeping School 2017
Beekeeping School 2017
Stone Barns Center is partnering with the Melisseus Honey Bee Research and Education Initiative to present the seventh year of Beekeeping School.
From March 21 through October 22, students will participate in sixteen 2½-hour classes that follow the establishment of colonies of honeybees over the course of the 2017 growing season. Each class consists of an hour-long lecture pertaining to one particular aspect of beekeeping coupled with a one-hour practice session working with live bees in a small apiary set up by the students. Classes are held every two to three weeks throughout the summer and will be co-taught by Maggie Schwed, Beekeeper at Stone Barns Center, and DJ Haverkamp, from Bedford Bee Honeybee Service.
Protective hooded bee jackets, hive tools and smokers will be provided for each participant to use during the classes.
Farmers or hobbyists; if you already have bees but want to learn more; or if you are considering keeping bees and want to explore the details before you do, Beekeeping School may be right for you.
When and Where
Beekeeping School offers two sessions, March 21 through October 22:
– Sundays, 10:00 am to 12:00 pm, at the John Jay Homestead in Katonah, NY
– Tuesdays, 6:00 to 8:30 pm, at Stone Barns Center for Food and Agriculture in Pocantico Hills, NY
For a complete schedule of meeting dates at both locations, click here.
Participants should register for their preferred session but will be allowed to attend classes in either session if there are scheduling conflicts. The exact same workshops are presented at both sites.
Class size will be limited, so sign up early.
Beekeeping School is co-sponsored by the John Jay Historic Site, Stone Barns Center for Food and Agriculture and the Melisseus Honeybee Research and Education Initiative.
Sam Anderson
Member9 months, 2 weeks ago
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Results 1 to 2 of 2
Thread: Creating your own installer
11-07-05, 10:14 #1Registered User
- Join Date
- Feb 2003
- Location
- Netherlands
- Posts
- 63
Unanswered: Creating your own installer
Hey Everyone,
I was wondering if anybody has done this before and could give me some pointers.
I want to embed installing the sybase client into the installer software that installs our application. We want to offer a stripped down version of the client install (only that what is needed to connect to our database, no extra tools or whatnot that the user wont be using) and install that allong with our software.
So it will be:
- copying the files into a x:\sybase directory
- possibly copying some files into system32 directory from windows?
- setting registry items to make sybase work
- registering certain dlls?
- changing environment settings?
Anybody got any suggestions about this?Greetz,
Bastiaan Olij
11-07-05, 19:15 #2Registered User
- Join Date
- Feb 2002
- Location
- Willy is on vacation
- Posts
- 1,208
Look at the Alternate Installation Methods section for PC Client. The resource file based install should do the trick


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Status: Open
Know more about this business than we do? Cool! Please submit any corrections or missing details you may have.Help us make it right
Be the first OregonLive.com user to add photos or videos of Zoom Motorsports
I just wanted to thank you guys at Zoom for getting me in on short notice and recommending a good CD/stereo, and installing it in my wife's car so she can listen to the music she likes, thanks again
Zoom Motor Sports was founded in 2001. Zoom Motor Sports specializes in Automotive Sound System Service And Installation.
Staffed by Motorcycle Enthusiasts
Bed Caps
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Full Service...


text:
3DOcean Bicycle set 180765
3D Model \ Vehicles \ Land \ Bicycles
Models \ Simulator \ Spokes \ Hobbies \ Steering \ Bicycle \ Exercise \ Competition
3D Model - Bicycle set 180765 by humster3d @ 3DOcean
3D Model \ Vehicles \ Land \ Bicycles
Bicycle set include 3D Models.
3 types of high-detailed bicycles.
Animated: No; Materials: Yes; Rigged: No; Textured: Yes; UV Layout: No; 3D File Formats Included: .3ds (multi format), .lwo (lightwave), .max (3ds Max), .obj (multi format); Created In: 3ds max 2008; Geometry: Polygons; Poly Count: 0.
Chevrolet Camaro Bumblebee 2014; Volkswagen Type 181 1973; Fiat 2800 Torpedo 1939; Mitsubishi L200 Triton Double Cab HPE 2012; Ford E-Series Econoline Panel Van 1961; Mercedes-Benz Atego Box Truck 2013; Mercedes-Benz E-class sedan 1993.
Keywords: 3d models, 3d models, bicycle, bicycle, bike, bike, competition, competition, cycling, cycling, equipment, equipment, exercise, exercise, hobbies, hobbies, parts, parts, simulator, simulator, spokes, spokes, sport, sport, steering, steering, wheel, wheel.


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LEGO Batman Minifig Figure w/ Black Cape & Weapons NEW!
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We are here to help. Customer service is very important to us.If you have any questions about or problems with a product you received, email us or call us at our toll free number . Please do not leave negative or neutral feedback until you give us a chance to help you See below for our store hours LEGO Batman Minifig Figure w/ Black Cape & Weapons NEW! Want to buy more than one figure from us? Save on shipping! (See details below) Item comes with everthing pictured and is brand new. All of our figures are 100% genuine Lego parts! No custom prints, no magnets, no keychains! We Combine Shipping!!!
(Details Below) Combined Shipping/Checkout/Pay for Your Auction
Check-Out Now! Any multiple items will be automatically combined into one invoice. Please note that the Pay Now button is ONLY available after winning an auction or completing a Buy It Now purchase.
Check-Out Later If you do not choose to Check-Out now, you will be notified by eBay via e-mail that you are the winning bidder. There is no need to contact us to arrange payment. We will automatically send you an e-mail within three hours of an auction closing. Our message will contain a link to our simple and secure checkout system, where you will be able to quickly and


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Capture Your Action The Best Way With Gopro 4K Action Cameras
Action sports are becoming popular with time and when you are in a holiday, you always want to be engaged in lots of activities. But what if you want to make those activities memorable by capturing them in frame? A point and shoot camera or even a DSLR would not serve your purpose since managing these cameras will be a bit hazardous. You can certainly go for small point and shoot cameras but there you will have to compromise with the picture quality. Is there any alternative that can fulfill all your needs? Yes, there is an alternative and that is GoPro 4K camera.
Within a small time, GoPro cameras have earned enough recognition from all. It is liked by adventure freaks across the world. The camera is very small in size and can be worn around the chest or you can place it over your helmet. This will help you capture the photos easily. And the picture resolution is very high. It can capture 4K video with 30 frames per second. Imagine you are trying sky diving or bungee jumping, you can easily place the camera in your body and can capture the best shots like never before. You need not to worry about the picture quality.
Here we will be talking about a few advantages that are creating all the buzzes about GoPro action camera.
1.Portable and easy mounting:
GoPro cameras are very portable and the best part is these cameras can be mounted in almost everywhere you can imagine. And you can capture videos from some rare angles that is not at all possible while using your point and shoot camera or mobile camera. You can actually capture live picture which is something that cannot do with your regular camera. This doesn't mean that this can be used only by the adventurists. People can use this camera everywhere; while riding a bike, visiting an amusement park etc.
2. High frame rates:
It is known to everyone that the video we see is basically continuous images. Normally the videos that we watch are made of 30 images per second mostly. Now if you use semi professional DSLRs or smart phones, you can enjoy a frame rate of up to 60fps with a image resolution of 1080p. If you are using high-end smart-phones or cameras, you can enjoy more frames per second. But what if you want to slow down your video? This is where the GoPro cameras come in action. These cameras can capture images at a frame rate of 100fps with a resolution of 920p or 720p. Now, with this kind of frame rate, you can enjoy real slow-mo videos.
3. High resolution:
It is now known that 4K is the latest trend in the video quality. Users are eager to enjoy 4K videos in almost all kinds of devices like computer, tablet, smart phone, TV etc. While your regular cameras or DSLR cameras cannot capture 4K videos, you can do the same with your GoPro 4K camera. And you also receive the best picture quality.
4. Smart user interface:
The user interface of GoPro cameras is relatively simple and very easy to operate. There is only one power on/off button. In some action cameras, there is no playback button. There is no option of zooming, shutter speed setting etc. But there is built-in wi-fi in the action cameras. This enables you to share images and videos instantly without any hassle. And it can be connected to smart phone or tablets wirelessly. Isn't that a good option?
5. Amazing battery back up:
The battery backup of GoPro 4K cameras is awesome. In normal occasions, a DSLR camera can capture 1080p/30fps video recording for one hour at the max. But when you use an action camera, you can continue the video for more than three hours.
So, now you know some of the most sought after features of GoPro cameras. This can be your best-friend while you are in motion. There is no better alternative than these cameras to capture your motion. While comparing the cost, you may have to shell out a bit more than the regular cameras but the result that you receive is worth spending your money.
If you need a software to convert your GoPro 4K video, try this GoPro 4K video converter, this software can save your time and make everything easy and fast.
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Shoppers: Find the lowest prices on Filing & Storage shopping online with Sortprice.com price comparison.
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text: Apartment Porter Groundskeeper Make Ready Maintenance Job Description: This position will entail doing the maintenance necessary to get the designated units ready for rental. Candidates should work well in a fast-paced environment with minimal supervision. General Responsibilities: • Electrical work • Plumbing repairs • Rough and finish carpentry • Full apartment painting • Appliance and furniture moving • Gutting and trashing out storage and apartment units • Completion of full vacant unit turn process General Requirements / Qualifications: • Previous apartment community maintenance experience preferred • General building and grounds maintenance • Knowledge painting, drywall, plumbing & electrical repairs • A/C Certified Type I-II or Universal preferred • Must have a positive attitude / good customer service • Must have own tools • Highly motivated and team-oriented Required Experience: • Apartment Groundskeeping & Light Maintenance: 1 year Required License or Certification: • Must have drivers license AAA Apartment Staffing is seeking qualified candidates in: (including surrounding areas) Alexandria, Louisiana Baton Rouge, Louisiana Bayou Cane, Louisiana Bossier City, Louisiana Central, Louisiana Chalmette, Louisiana Estelle, Louisiana Gretna, Louisiana Hammond, Louisiana Harvey, Louisiana Houma, Louisiana Kenner, Louisiana Lafayette, Louisiana Lake Charles, Louisiana Laplace, Louisiana Marrero, Louisiana Metairie, Louisiana Monroe, Louisiana Natchitoches, Louisiana New Iberia, Louisiana New Orleans, Louisiana Opelousas, Louisiana Prairieville, Louisiana Ruston, Louisiana Shenandoah, Louisiana Shreveport, Louisiana Slidell, Louisiana Sulphur, Louisiana Terrytown, Louisiana Zachary, Louisiana


text: The oil industry has lost 200,000 jobs in the oil price downturn since mid-2014. This is the largest job loss in the industry, since the oil price slump in 1997-98. Meanwhile, the renewable industries, solar, wind and hydro-electric are expanding and hiring more people than in the past two decades. "The boom in new green jobs is being led by Asia where governments in countries such as China and India are embarking on massive programs to use more renewable energy." The International Renewable Energy Agency (IRENA) reported that employment in the renewable industry increase by 18 % in the past year. Most of the new jobs are in Asia.


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Unfortunately, this job is expired as of 5/8/2014.
To continue in your search through the appropriate job categories, click either Administrative Staff, Higher Education Executives, Faculty, Post-Doc and Graduate Assistants, . You can also utilize "guess-free" keyword search tools with up to eight pre-defined criteria. Search for and Apply to academic postings directly from the site. Post your background either confidentially or overtly. Stand out and be discovered!
The Department of Sociology, College of Arts and Sciences, invites applications for an opening for a one-year appointment in its Criminal Justice program, beginning in Fall 2014.
Quinnipiac University is a thriving private university with 6,500 undergraduate and 2,300 graduate students, located in Hamden, Connecticut, approximately 90 minutes from New York City and two hours from Boston. Consistently ranked among the best universities by U.S. News & World Report and recently named one of the 2013 Great Colleges to Work For by The Chronicle of Higher Education, Quinnipiac offers 58 undergraduate majors and 20 graduate and professional programs, including those leading to degrees in both law and medicine. At the core of Quinnipiac is its commitment to teaching and collaboration. Quinnipiac fosters partnerships among students and with faculty; it is a spirited, welcoming campus.
The candidate will be required to teach Criminal Justice Research Methods, Race, Crime and Justice, Introduction to Sociology and elective courses within the Criminal Justice program or Department of Sociology. The teaching load is 3 courses per semester. Candidates may also provide academic advising to Criminal Justice students and perform other departmental administrative tasks, as assigned by the chairperson.
The candidate should be ABD or have a PhD in Sociology, Criminology, or Criminal Justice by the time of appointment. All candidates must provide evidence of a strong record of effective teaching.
Please submit a letter of interest, teaching evaluations and a curriculum vitae. The names and contact information for three references must be submitted on the application.
Review of applications will begin immediately and continue until the position is filled.
Quinnipiac University has a strong commitment to the principles and practices of diversity throughout the University community. We welcome candidates who would enhance that diversity. Quinnipiac offers a great work environment, challenging career opportunities, competitive compensation and a comprehensive benefit program.
Job Code: 2014-1497
|Employment Type:
|Degree Required:
|See Job Description
|Level of Job:
Associate Professor
Assistant Professor
Lecturer / Instructor / Adjunct
|Type of Faculty:
|Visiting / Adjunct
|See Job Description
|Type of School:
|4 - Year / Masters Institution
|Application Requirements:
Cover Letter
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text: Now in it's eighth edition, the widely praised Penguin State of the World Atlas remains a unique visual survey of current events and global trends. Completely revised and updated, this atlas presents the latest statistics on communications and information technology, international trade, globalization of work, aging and new health risks, food and water, energy resources and consumption, global warming and biodiversity, literacy, gender equality, wars and peacekeeping, and more. Fascinating, troubling, and surprising, this is one atlas no student of the world should be without.


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The Vagina Monologues is coming to Matsqui Centennial Auditorium this Saturday, February 27th. Tickets are available by calling 604.859.2407, or purchase them at the door after 7PM on the night of the show.
Proceeds from this show benefit Memory March. Memory March takes place in Vancouver on March 28th, and is in memory/honour of over 3000 Canadian women and children murdered in Canada. Funds also go to Women for Women International to sponsor a rape survivor from a war-torn country and Women and Girls of the Congo. Helping Handbags in Victoria will also receive a donation, for their work with people living with AIDS.
32315 South Fraser Way, Abbotsford
Ring: 604.859.2407


text: Additional Resources Other resources of information on the Internet... Radio, Newspaper & Other Media Jefferson State of Mine Hosted by Win Carpenter & Terry Rapoza Sunday Mornings at 9am at KCNR 1460. Contact the show at 530-605-4567 Listen to Archives Sovereign Minds Hosted by Mark Kent, Lyndia Kent and Red Smith Sunday Mornings at 10am at KCNR 1460. Contact the show at 530-605-4567 Listen to Archives Shasta Lantern Popular independent, online newspaper. Read the Shasta Lantern. Visit Site US Constitution Read about Article IV Section 3 which is our blueprint to creating Jefferson. What if by Judge Napolitano. Read More See Mark Baird in Action Tehama Meeting Del Norte Meeting Yuba/Sutter Meeting Williams Meeting Email questions to email@example.com


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> Live In SH
> Pet
A guide to pet policies in Shanghai
Bringing your pets (only cats or dogs are allowed) to the city is possible, but the quarantine procedure is as complicated as you can imagine. With a whole set of original documents, including a health certificate and a rabies vac...
How to buy and adopt pets in Shanghai
Apart from bringing your pets to Shanghai, you may also buy or adopt animals here. If you want to buy one, many are available at local pet markets. You should choose only licensed and vaccinated animals. Otherwise you may se...
Doctors Beck & Stone (Minhang Branch)
Address:66 Qingshan Road
Phone:400 103 8686/021 6402 9226
Time:9am-7pm, consultation by appointment
Doctors Beck & Stone is a pet hospital group in China, supporting responsible pet ownership, and providing international-standard veterinary services. We are constantly striving to meet or exceed the highest operational, professional an...


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Use Citizen's Connect for all of the following:
- New users must set up an account
- Look up a permit and view documents linked to the permit. Search by permit # or address (use format B17-1111, LU14-1111, PW16-111, etc.)
- Make a payment on a permit
- Apply online for a simple residential permit
Replacing a water heater, furnace or heat pump? Apply online for fastest service!
Please note that a re-roof permit is required when sheathing is being added or replaced or if there is a change in roofing materials.
- Schedule Inspections - Guide to Scheduling Inspections Online
- Upload documents to your permit
Call Ahead for an Appointment!
The Permit Counter is open from 8:00 a.m. to 4:00 p.m. Mondays through Thursdays, closed Fridays, weekends and holidays. However, based on staffing and availability, permit counter hours may be temporarily changed and/or reduced.
Appointments are necessary to reserve time during these hours, as appointments will be given priority before walk-in customers.
Please call (253) 480-2400 and select 0 to schedule an appointment with a receptionist or email firstname.lastname@example.com.
The Permit Center is located at City Hall, 16720 SE 271st Street, Suite 100, Covington, Washington, 98042.
Plan Review
Plan Review staff is responsible for the implementation of the International Codes as adopted by the State of Washington and amended by the City of Covington. These codes include the International Building Code, International Residential Code, International Mechanical Code, Uniform Plumbing Code, International Property Maintenance Code, International Existing Building Code, Washington State Energy Code, Washington State Ventilation and Indoor Air Quality Code, Washington State Historic Building Code, Washington State Manufactured Homes Installation Requirements or Mobile Homes Installation Requirements and the Washington State Factory Built Housing and Commercial Structures Installation Requirements or Modular Installation Requirements. Click HERE for link to online codes.
Plan Review staff is also responsible for the review of all construction plans submitted for permit. These plans are reviewed for compliance with the adopted International Code and City regulations. Our staff is certified by ICC and other organizations to review plans using the International Building Code, International Mechanical Code and International Plumbing. Plan reviews are completed using checklists to ensure the completeness of the review.
Inspection Requests
All Inspection Requests must be made online at INSPECTION REQUESTS or by phone at (253) 480-2440. Building Inspection hours are Monday through Thursday from 8 a.m. to Noon, closed Fridays, weekends and holidays. Requests are taken up until 3:00 p.m. each business day for the following business day. All Permits and Approved Plans are required to be on-site or in the general contractor's site offices at the time of the inspection. The general contractor or permit holder is responsible for insuring that all areas are inspected prior to concealment. Areas of inspections need to be ready when the inspection is requested and the contact person must be on-site.
Requests to cancel a previously scheduled inspection should be called in to (253) 480-2440 or email email@example.com.
Permit Applications, Forms, Submittal Requirements and Fees
The City has many different types of permits for residential and commercial development and for all other types of projects. You can find the most common permits, submittal requirements, informational forms and fees on this site. They are presented as downloadable pdf (Adobe Acrobat) documents. In order to view or print the forms you must have the Adobe Acrobat Reader installed on your computer. (Obtain free Acrobat Reader)