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While we invest in many sectors and asset classes, the recent steep selloff in precious metal mining stocks inspired us to write an article focusing in on that particular sector's long-term fundamentals. The resulting piece was emailed to clients on September 16, 2008 and is excerpted below.
The Basic Premise
The global monetary system as it stands today is completely unsustainable. It is suffering from severe imbalances that have not yet come to the fore, and in the typical manner, the markets are assuming that if the problems haven't happened yet, that means they will never happen. While we don't know when it will happen, or whether it will be slow or abrupt, we feel certain (or as certain as one can be in financial markets) that these imbalances will surface at some point and that confidence in the monetary system is likely to fall precipitously in the years ahead.
Dollar Recycling
To summarize the current monetary system, it is a system based entirely on paper money with the US dollar as the "reserve" currency.
The "paper money" part means that governments can and do print more money at will when it suits them to do so. The "reserve" part means that dollars tend to be used as the international store of value and medium of trade.
The result of this system is that the foreigners' willingness to stockpile US dollars has allowed us to go into astonishing levels of foreign debt. This has allowed us as a nation to consume more than we produce for many years.
The system has further fed upon itself because as we've become an ever more important consumer of foreign-made goods, mercantilist governments have purposely propped up the value of the dollar to help their export sectors. Many of our foreign trade partners lend us money, which we spend on their goods, after which they lend the money back to us, so we can buy more goods from them... and the process repeats.
Governments do it because it keeps people employed in the short term. And they've been doing it even more as they are now sitting on hundreds of billions of dollars worth of US-dollar denominated assets. So if they let the dollar drop, they will not only have to deal with politically instability resulting from export sector unemployment, but will also take huge losses on the dollars they already own.
So the game continues, with the stakes getting higher all the time. By lending back the money that we use to buy their goods, foreign governments keep accepting our IOU's -- but those IOU's only maintain their value becaue foreign governments keep accepting them. And the IOU pile just keeps growing and growing.
Something's got to give eventually. It's most likely that the transition off of this system will be slow, with foreign central banks slowing down their accrual of dollar-denominated IOUs, accepting the losses on their existing dollar stockpile, and allowing their export sectors to shrink to a more sustainable size. Alternatively, the transition could be violent, with foreign countries panicking out of their dollar holdings. Either way, this "dollar recycling" system is entirely unsustainable over the long haul and must end eventually. When the dollar recycling system goes into reverse or breaks down, the artificial props under the dollar's value will be removed and alternate stores of value such as gold will become far more sought after.
But the system needn't even break down for gold to benefit. The only way foreign governments can prop up our currency is by making theirs less valuable. So we have a situation where every nation is creating currency at a breakneck pace, with the result that every piece of paper currency becomes ever more worthless. In a world where no paper money is a good store of value, gold is an excellent alternative. I believe that the rise in the gold price in recent years reflects that this realization is slowly dawning among a few people here and there. But the existence of a few "early adopters" out there doesn't change the fact that we are a long, long way from the severity of the situation -- and the un sustainability of the dollar recycling system -- being widely understood.
Bailouts and Reflation
Because the dollar recycling system has given us a free pass to create new money, we have monetary and legislative authorities who openly support currency debasement as a policy tool when it suits their needs (which is often). In the wake of the tech stock crash in 2000-2002, the Fed printed huge volumes of new money and kept real interest rates in negative territory for a protracted period. This stoked an inflationary boom which got us out of the 2001 recession and, despite leading to the current mess, is widely considered to have been a policy success.
While the Fed has so far been a bit more circumspect on the overt money printing this time around, the government's intervention of the economy has been far more dramatic:
The Treasury has nationalized the two institutions that buy 80% of the nation's mortgages and own or guarantee $5 trillion in mortgage debt.
The Fed has kept its target rate lower in comparison to inflation than at any time in decades.
Congress has sent "stimulus checks" out to households to encourage more consumption.
The government is actively brokering deals to have the more stable financial institutions bail out their less stable brethren.
The Fed guaranteed $30 billion in debt, much of it worthless junk mortgage debt, of the now-defunct Bear Stearns.
The Fed has been lending huge amounts of money to financial institutions, accepting mortgage backed securities and other questionable assets as collateral for the loans (this hasn't been direct money printing, but it has allowed banks to pretend their assets are worth more than they actually are, which has a similar effect).
As of yesterday the Fed has ramped up their lending to financial institutions and are now accepting equities as collateral (this directly props up share prices because now institutions in need of money can borrow taxpayer funds against their shares instead of selling them on the market).
That's off the top of my head... the list goes on.
All this nationalizing, lending, stimulating, and guaranteeing involves money that we -- as a debtor nation -- do not have. The money is therefore either being printed into existence or borrowed. To the extent that it is borrowed, that just means that it will be printed in the future instead of being printed right now (as described in the next section). The end result more money printing, which decreases the value of each unit of money in existence.
Many of the bailout attempts thus far have been largely aimed at preventing a credit contraction. But as the economic woes mount, the government will likely begin to also start focusing on stimulating the general economy via continuing to keep interest rates at artificially low levels, more stimulus checks, and more monetary growth. The Fed funds rate is extremely low compared to the CPI inflation rate and they will likely lower rates before they raise them. And just yesterday morning they dumped more money into the banking system than they have since the 9/11 attacks. In short, I believe the really inflationary policy is still to come.
It's important to understand that while price increases may slow in the short term due to the economic slowdown and financial panic, that very dynamic itself makes it much more likely that the reflation attempts will be ever more dramatic. In other words, the bigger the apparent problems in the short term, and the more inflation moderates in the short term, the more inflation pressures are likely to be put in the pipeline as the government tries to print, borrow, and stimulate their way out of this mess as they always have over the past two decades.
Foreign Debt
Because foreigners' buying of US debt is the primary mechanism for dollar recycling, at this point we owe a tremendous amount to foreigners. For example, foreigners own one half of all the US Treasuries (government debt) in the world.
Right now, we are still able to accrue debt faster than we are paying it off, because foreign nations are still recycling the dollars they receive. But the time will come when we have to start paying that debt.
There are two ways to pay off debt that is owed to foreigners and denominated in dollars:
Collectively as a nation, stop spending so much money, and instead lower our standards of living so much that we have enough extra money to both pay back foreign debt and start to save money for ourselves again.
Print money.
Given the short sightedness of politicians and their unwillingness to address the debt problem, option #1 is not feasible. The money we owe to foreigners implies a high probability for future inflation simply because it would be too politically painful to pay back the money out of our real earnings when we have the option to just print the money into existence. This may be a longer-term consideration, but it nonetheless has highly inflationary ramifications.
Implications for Gold
Gold's fundamental underpinning is confidence, or more specifically lack of confidence, in the monetary system. The more confident people are in central banks and the monetary system they run, the less of a premium they are willing to pay for an alternate store of value like gold -- and vice versa.
So at the most fundamental level, the question to ask is: in the future, are people likely to become more confident or less confident in the monetary system? Given the entirely unsustainable nature of the dollar recycling system, our mountain of foreign dollar-denominated debt, the astonishing complacency at the serial bailouts and inflationary monetary policy inflicted by the government, and the likelihood of even more bailouts and monetary growth, we believe that people have far, far too much confidence in the monetary system at this point.
When the unsustainable imbalances of the current setup finally come to the surface, we believe we are in store for a serious drop in confidence in the global monetary system and its standard-bearer, the US dollar. At that point, we believe that gold will have attained a far higher premium than it has now.
Gold's Valuation
Gold is difficult to value by traditional means because it doesn't have a price-to-earnings ratio or any of the typical metrics by which one can value stocks or other assets. But we can get a ballpark idea of how expensive it is by looking at how much it costs compared to other investments.
For example, stock prices tend to rise as confidence in the monetary system is rising and fall when confidence is falling, whereas gold does the opposite. So looking at the ratio of the prices of stocks to the price of gold can tell you how much monetary confidence is being "priced in" at any given time.
The following chart shows about 70 years of the Dow to Gold ratio (which divides the price of the Dow Jones Industrial Average to the gold price and thus measures how expensive stocks are compared to gold). When the line is higher, that means stocks are more expensive in comparison to gold, and a lower line means gold is more expensive:
Source: speculative-investor.com
As you can see, the system is still pricing in a high degree of confidence in the monetary system. We are off the all-time confidence highs that occurred in 2000, when people thought Greenspan was a god and stocks could only go up. But the ratio is still fairly high from a historical perspective, and it's extremely high given the structural risks to the current monetary system described in the prior section.
In short, this chart indicates that people are still far more confident in the monetary system than they ought to be, and that gold is poised to outperform stocks for quite some time.
Another way to look at gold's valuation would be to compare the price of gold with the supply of US dollars. The idea here is that dollar itself has no value except as a claim on real wealth. If you increase the supply of dollars without increasing real wealth, each dollar then represents less wealth than it did before. All things equal, then, an increase in the supply of dollars represents a reduction in the purchasing power of the dollar.
Comparing the rate of change in money supply growth (purchasing power loss) to the rate of change of the gold price can provide another indication of monetary confidence. The following chart does just that by dividing the price of gold by the number of US dollars in existence as measured by the monetary aggregate M2:
Source: speculative-investor.com
The chart shows that the gold price rises faster than the growth in the money supply when monetary confidence is falling and vice-versa. Right now, monetary confidence is falling. But as with the last chart, it hasn't fallen much considering the uniquely dollar-bearish situation and the fact that we came out of a 20-year period of rising and ever less reasonable monetary complacency.
Given that we would expect this ratio to rise, and given that we expect a lot of money supply growth in the year ahead, this chart also bodes well for gold prices.
Finally, consider the following chart of Consumer Price Index inflation-adjusted interest rates in comparison to the above two charts:
It's no coincidence that the gold price has risen (in nominal terms as well as compared to both stock prices and the money supply) during periods when real rates were negative and that it's fallen when real rates are positive. As discussed in a recent website article, negative real rates tend to reduce confidence in money as a store of value and to cause inflation. It makes perfect sense that gold has tended to rise in such situations.
Real rates are more negative right now than at any time in almost 30 years. CPI inflation may well back off for a while, but it won't do so enough to turn rates positive. Meanwhile, the Fed is more likely to cut rates than to raise them. So negative real rates can be expected to continue chipping away at monetary confidence for some time to come.
Gold Stocks
Once you establish that gold is either at or under its fair value, it is fairly straightforward to compare the prices of the mining stocks to the price of gold.
The best valuation metric for gold miners is to look at the value of the gold they have in the ground. There are other factors, of course, such as political risk and extraction costs. We look at these things too, but the simplest way to view the mining sector as a whole is to compare the price of gold (as a proxy for the value of the gold miners have in the ground) to the price of a gold stock index.
By that metric, as seen in the following chart, the XAU index of gold stocks is cheaper in comparison to gold than it has been at any time over the last couple of decades (today's value is 1.54 -- it doesn't show up on the chart but it is lower than any of the prior lows on the chart):
Source: minyanville.com
In the year 2000, the gold price was lower than the typical cost of production. Gold miners couldn't make any money. They were at risk of going out of business and were priced as such. So as of right now, even though many gold miners are generating great profits and are sitting on very valuable stores of gold, the gold sector is priced even lower than when it was on the brink of mass bankruptcy. The market appears to be severely undervaluing gold stocks.
The gold mining sector is by its nature very volatile. The HUI index of gold mining stocks dropped by over 30% in 2002, again in 2004, and yet again in 2006-- and it dropped by over 60% between 1999 and 2000. In each case, the HUI eventually went on to make new highs. (And that's the whole index by the way -- the smaller individual stocks within the index were far more volatile than that).
Even by mining sector standards, however, the current correction has been very rough. As I've mentioned, we believe that there has been a mass liquidation by hedge funds and other leveraged speculators who had all piled into the sector during the dollar selloff earlier this year. The fact that these speculators are being shaken out has little to do with the fundamentals, however, as the above charts hopefully demonstrate.
The rally in the dollar and the selloff in gold and gold stocks over recent months has led many people to believe that inflation and purchasing power loss are no longer a threat. But we've seen many times before that the market often doesn't acknowledge a problem until long after those problems become apparent. Eventually, reality asserts itself and the market acknowledges the problem.
Well, there is a giant problem with the dollar as a store of value. Given the unstable nature of our monetary system and the misplaced confidence in paper money as a store of value, gold is still quite reasonably priced and should be expected to rise substantially in the years ahead. And given that gold is reasonably priced, gold stocks are dirt cheap.
Short-term market movements have never been our stock-in-trade. We try to identify opportunities that present good long term investment value given the underlying trends and inevitabilities. Market gyrations and hedge fund liquidations notwithstanding, we believe that from a long-term fundamental standpoint, gold and gold stocks continue to be a great long-term investment.
- Read more investment articles at pcasd.com.
- Learn about how we can help investors benefit from the ideas presented in our articles.
- View our answers to frequently asked questions about what we do.
- Subscribe to our RSS feed.

subset: commoncrawl


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A carnival featuring anime characters at FamGoFest 2019 in ICE BSD on Friday. (JG Photo/Jayanty Nada Shofa)
FamGoFest 2019: Quality Family Time for the Holiday
Tangerang. The Family Go Festival is being held at the Indonesia Convention Exhibition BSD in Tangerang, offering a fun and educational end-of-year holiday entertainment for the family.
The FamGoFest 2019 is themed "Kingdom of Happiness" and runs from Dec. 19 to Dec. 29. Located at the convention center's Hall 1 to 3A, the largest playpark festival in Indonesia can fit in up to 75,000 visitors and offer all of them a chance to explore the world of imagination.
In its second year, this collaboration between Hype Festival and Berlian Entertainment also involves Traveloka Xperience as an online ticketing partner.
"There will be entertainment, education and a host of activities, with more than 50 games available for children of all ages. We even have our own jingle, "#BuatMamadanPapaHappy" (Make Mom and Dad Happy), for the children to sing along to," project director and FamGoFest creator Dino Hamid said in a press release on Friday.
The festival also features parades and carnivals where the event's mascots, the Latamotchis, mingle with characters from children's animated series such as the Badanamu, Tayo the Little Bus, Robocar Poli and Nussa & Rara.
The educational and creative activities include a building block area, painting classes and workshops for making slime. At the Traveloka Xperience's special booth, visitors can check out a collection of sea animals and plants from the Jakarta Aquarium.
Want to test your children's motor skills? Get them to play Bubble Soccer and Switch and Move or jump around in the elaborate Bouncing Castle.
ICEFEST 2019, a mini-festival that turns Hall 5-10 of ICE BSD into a rustic village in winter – hence the theme "A Journey to the Winter Village – is also taking place at the same time.
Tickets for FamGoFest 2019 range from Rp 110,000 (late entry), Rp 165,000 (on the spot) and Rp 550,000 (family package). More information is available on the Traveloka and FamGoFest websites.


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A Harvey man was shot and killed by police after he tried to run down an officer during a chase that began in Chicago Heights, authorities say.
Mateo Meza-Cortez, 29, was shot around 2:50 a.m. Friday at 159th Street and Loomis Avenue in Harvey, according to Demetrius Cook, the police chief of Glenwood whose officers were involved in the chase.
Meza-Cortez tried to run down a Glenwood officer with his car and the officer fired, Cook said. "The Glenwood police officer (was) in fear of his life," Cook said.
"He was in a vehicle pursued by police out of Chicago Heights," Cook said.
Meza-Cortez lived in the 200 block of East 157th Street in Harvey, according to the Cook County medical examiner's office.


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A huge edition of the Numbers this week after a massive week of footy. There were some massive individual player (and team) scores as the par score soared through the roof. Low breakevens, huge winning margins and a few numbers that some supporters would rather forget… this week was one that gave stat-loving coaches like me a lot to wrap our heads around.
Thus I bring you thy Round 18 Numbers…
1 – Points that Stevie J managed on the scoresheet as he was subbed out midway through the first half after copping a knock at the opening bounce. The whilst was blown after around 5 seconds as Adelaide midfielder Scott Thompson collided with Johnson's head and was subsequently taken off with the blood rule. In circumstances similar to that of Andrew Carrazzo in R4, he received a solitary point for his free kick for (which he couldn't take). Discuss your thoughts on the matter in the comments below.
2 – We have all heard about the 'ruck curse' of 2012. In R18 it struck another 2 victims with David Hale and Sam Jacobs the most recent to go down. With high scoring options Maric, Roughead, Minson (all 16) joining Jacobs and Hale – only two remain having played every game of 2012 – Dean Cox and Cats ruckman Trent West. With Cox the only viable DT option – he could be the only one to play out the year with 22 games (unless he's rested prior to finals). Compare this is 2011 where 3 players played every game (Cox, Ryder & Leuey), with another 3 playing all but one – 2012 is actually playing out similarly to 2011, with only 6-7 players likely to play 21-22 games this year. So it seems this curse is nothing new afterall…
3 – MBR rounds confirmed for season 2013. With all the talk about the possibility of 2 multi-bye rounds next year to give the players an extra rest, the AFLPA-led charge was promising. Whilst being an absolute hell to negotiate – it may well have eased the high level of injuries that we've come to experience in 2012. However it has now been decided by the AFL that for 2013 at least – things will remain the same. For good or for worse, at the very least we'll know better as we've already lived through it this year.
5 – Teams that are battling it out for the final 2 spots in the top 8 for finals in 2012. Whilst Essendon is sitting with Geelong of 44 points, their recent form shows that they may be susceptible to a fall down the ladder unless they arrest their form and get back on track. With North, Freo, St Kilda and Carlton all hungry for September footy, it'll make for an exciting final month of AFL – with each game potentially season ending for those footy clubs. Of those, you'd have to say Essendon and North should sow them up. However the hunger to play finals again after all featuring in 2011 should be enough for them to keep looking over their shoulders as Freo, the Saints and Blues look for a strong finish to the year.
11 – Games that Freo young gun Nat Fyfe has missed through injury. Being out since R5, no one was putting any pressure on him to perform straight away. But ala Pendlebury when he returned, a true star doesn't need time to click back into gear. 26 disposals and 90 DT points on his return shows that this kid is going to be a star for many years to come.
15 – Lead changes in the Carlton v Richmond game on Saturday night. In a tense and highly contested match, Richmond led by 2 points up until the final minute – when Carlton kicked a lucky goal to pinch victory from the Tigers' claws yet again.
42 – Seconds remaining on the clock when born-again Carlton midfielder Brock McLean kicked long to the goal square from outside 50 in their clash against Richmond at the weekend. Admitting himself after the game that he wasn't even trying for goal, the ball fortuitously sailed over the head of Blues' rookie Levi Casboult and bounced through for the winning goal. The Navy Blues then held on in the dying seconds to hand themselves a much-needed win that keeps them in the race for September action. As a Blues' supporter my heart was racing that whole last quarter; and when Brock kicked that final goal I believe I woke up any sleeping neighbours with my screams of joy. It was an emotion-charged moment for footy to say the least. I do feel bad for the yellow and black supporters though – and urge you all to stay positive. For I concede that in a year (maybe two) your midfield will be unstoppable with the likes of Cotchin, Lids and Martin running around.
114 – Average points scored over the past 5 weeks by previously mentioned Richmond star Trent Cotchin. With 5 consecutive DT tonnes and several Brownlow votes surely in the bank, he is having an amazing year. If he keeps this up, he may just be one of the first picked in my midfield for 2013.
125 – It'd been a long time coming after a 3-Round average of 55, but Travis Cloke kicked true against the Giants to record a 6 goal, 21 touch, 125 point DT performance. Pies' fans will be hoping that Trav is back as they look to make an assault on the finals.
133 – With many premiums out of action this week, there were a few rookies that stepped up in R18 – Treloar (121), Giles (118) and Greene (101) came through for their desperate owners. But one man came to the party in a whole different way. Well-known ball-magnet and North Rookie Sam Gibson has been solid without being spectacular since his debut mid-year. But this week he finally broke out. His 36 disposal, 8 mark, 133 point game was a diamond on the field for those who were lucky enough (or smart enough perhaps) to have him playing. If not, you would've been pissed (like me) with a huge 133 sitting on your bench. He started strongly and kept on going – a fantastic effort from the mature midfielder (nearly WotW material may I say).
Twatter – Your Numbers
With losses of 2, 4 and 4 points the past 3 weeks, Tigers' coach Dimma Hardwick confessed that there is something wrong that needs to be addressed in his the team's mentality that has caused such losses so close together. Sadly Richmond's hopes of playing finals this year are now gone, however there is plenty more to lose if they choose to give up with 5 rounds to go.
Just wanted to put this one out there – with the DT world going nuts for the Essendon ball-magnet after some huge early-season scores, Stanton's output appears to have tapered since the MBR's. With scores of 74, 85, 84 and 62 in his last four – his owners must surely be disappointed at his performances of late. I'm personally predicting a late-season surge as he did last year so for those coaches with the prolific midfielder, sit tight and be patient.
Send me your 'Numbers' for the week @McRathDT
The Saints are Coming
Similar to Cloke against the Giants, St Kilda dominated proceedings against the Dogs at the weekend. Coming into R18 with a 3-Round average of 88 (Hayes), 74 (Goddard) and 90 (Montagna) – the Saints midfielders had a field day with their respective scores finishing at 130, 120 and 124. Throw in Riewoldt's 133 point, 4 goal performance and it seems the boys in red, white and black are keen on a spot in the 8 as they battle the Pies, Dees, Cats, Giants and Blues for a spot in September.
The Benchmark
With some huge scores coming this round, there're a lot of coaches up and about. Whilst I'm not one of them this week, I am staring at the top ranked teams for the week in awe as there were 19 teams who broke the 2600 mark, as well as 753 who made 2500! Neeshams Killinit coach Gerard was the man to top the list with a massive 2668. His all-star backline of Lids, Scotland, Goddard, Waters, Birch, Enright and Carrazzo was bettered by his huge midfield – all of who scored 109+ (Swan, Ablett, Mitchell, Swallow, Pendles and Gibson). Cox and Giles (118) played well in the rucks, whilst a Sidebottom-less side was well served by Beams, Danger, Pav, Chappy, Cloke, Treloar and Zorko. With many copping donuts all over – this was a big week to move up the rankings if you were lucky to escape the carnage.
Crusty Donuts
Late withdrawals, soft-tissue injuries and plain omissions just continue to annoy at the pointy end of the season. With most coaches holding Robinson, Sidebottom, Jacobs, and Buddy – some were faced with 2 or even 3 zero's with some rookie's letting down their coaches when they were needed most. In the MBR's donuts were expected and thus, accepted. However to cop several at this point – is just plan bull$#t.
Whore of the Week
With Swannie gaining another WotW gong last week; it's only fair to let in another player to the dual-nominated club. Whilst tempted to go with Swannie himself, Gary Ablett or even rookie Sam Gibson; I'd instead like to turn my attention to another North midfielder who had an absolute field day at the weekend to absolutely dominate Melbourne's engine room. North Captain Andrew Swallow gathered 32 touches and an inspirational 17 tackles on his way to the highest score of the round, 160 points. Throw in a goal and 3 marks, Swallow thoroughly deserves it this week as he looks to right the ship that is his inconsistent season and steer his team towards September action.
The Round Up
Highlights – Seeing Goddard bounce back was awesome (and well overdue) – especially in his 200th match; Swan, Pendles and Beams continue to delight with some big (and not unexpected) scores against lowly GWS; Cox and Giles tonne-ing up whilst other rucks failed (or failed to show up **cough… Jacobs); and it was a great feeling seeing North's Sam Gibson finally stepping up on the AFL stage in what is an excellent story of patience and hard work. Also – as I expected, Cloke dominated the Giants and is back in black (and white).
Lowlights – Jacobs' withdrawal was a huge coup' for Geelong's chances at the weekend; and my chances of a decent DT score too; Marty Clarke's inclusion was bittersweet as he donned the green vest yet again, however didn't waste any time scoring 62 points in less than a half; Goodes' has been average since his 137 a few weeks ago – only managing 75 this week; the only main thing to savage the round was injuries – Stevie J's one minute outing angered Cat's fans and DT owners alike; as well as generally underperforming premiums in Birchall (63) and Rockliff (73).
Team McRath– After a few good weeks I've been put in my place with a earth-shuttering (prepared to be shocked) 1971… It's pretty much ended any chance of me having a respectable season ranking; as well as undoing my hard work over the last month. To be honest I feel about like the Tigers right now. Not much more I can say really.
As we near the end of our 2012 competition for AFL Dream Team, I'd like to take a second to innocently (and perhaps naively) look forward to 2013 – a land where donuts are scarce, injuries to important players are unheard of and coaches don't play mind games with team selection. 2013 will be a year of amazing heights and colourful rainbows made of huge numbers – a dream that will actually help me sleep at night instead of having nightmares of my entire midfield being withdrawn late. Of this positive pipedream we can only pray that it comes to fruition. Until then, keep on battling San Diego i.e. Dream Teamers.
Get your Twitter on and hit me up @McRathDT
29 Comments
31 – the amount of years I have been saying "Next year!" as a Tigers supporter
41 – the number that Nathan Foley wears. Only us Tiger supporters seem to be aware of the importance Axel has to the club
30 – the number our number 1 trade priority is at his current club (sorry Redvest…)
Great stuff as always mate.


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Pages tagged with: coast-laboratory
Island 'drowning' is not inevitable as sea levels rise
An international study led by the University of Plymouth suggests coral reef islands across the world could naturally adapt to survive the impact of rising sea.
Exploring the role of vegetation as a soft engineering method to reduce flooding
Exploring the role of vegetation as a soft engineering method to reduce flooding. Nur Roszi used the COAST laboratory's sediment wave flumes to research flood prevention methods for her final year MSc Coastal Engineering project.
Marine Business Technology Centre (MBTC)
University of Plymouth: As part of the Oceansgate investment, Marine Business Technology Centre brings state-of-the-art facilities to Devon SMEs for product development and testing.
Study aims to provide accurate assessment of impact of future sea level rises on coral reef islands
Remote islands in the Pacific and Indian Oceans have for many years been considered vulnerable to climate change, but research by the universities of Plymouth and Auckland is seeking to demonstrate they are more resilient than previously suggested
Understanding scour when harnessing the power of wind and waves
Understanding scour when harnessing the power of wind and waves. Rhys Southgate replicated the seabed in our COAST laboratory to research a real-world solution in his MSc Coastal Engineering dissertation project.
University academics take part in New Scientist Live 2018
University of Plymouth scientists Professor Richard Thompson OBE and Professor Deborah Greaves OBE are among the eminent names taking part in New Scientist Live 2018.
Academics edit book on marine renewable energy sector
Professor of Ocean Engineering Deborah Greaves and Professor of Coastal Engineering Gregorio Iglesias, from the University of Plymouth, have edited a new book outlining developments in the marine renewable energy sector
Pilot study reveals storm response of offshore lighthouses
University of Plymouth news: The unseen responses of remote offshore lighthouse during severe storm conditions have been revealed in a new study by the University of Plymouth.
Plymouth academic appointed to lead UK-wide consortium on offshore renewables
A University of Plymouth academic has been appointed to lead Supergen ORE Hub, a new consortium programme supported by both government and industry which will draw together the UK's expertise in marine renewable energy
Leaders in industry and academia in Plymouth for national renewable energy consultation
Leading figures from the renewable energy sector have gathered at the University of Plymouth as part of a national project aimed at addressing some of the challenges the industry faces now and in the future
University of Plymouth leads £5million programme to maintain UK's status as global leader in offshore renewables
The University of Plymouth is leading a £5million programme, Supergen ORE Hub, which aims to maintain UK's status as global leader in offshore renewable energy
University features in film celebrating Plymouth's engineering prowess
The University of Plymouth features in a new film Engineering Plymouth, produced as part of the Institution of Civil Engineers (ICE)'s 200th anniversary celebrations.


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Ebooks of Whipple, Edwin Percy (free download and read):
The Great Speeches and Orations of Daniel Webster With an Essay on Daniel Webster as a Master of English Style


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We had a great weekend. Next weekend should be pretty good too.
We took Sam to a castle sculpture event in Morrison on Saturday morning. Here is Sam with his Grandmother and Grandfather Wilson.
Saturday night, we had friends over for dinner and Sam had fun with Chrissy.
On Sunday afternoon, Sam was very excited in his bouncer. (Sorry it's sideways, but I don't know how to adjust it.)


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This October, Beaverton City Library and the Beaverton Library Foundation are challenging teens in grades 6-12 to write a short story about a parallel world. Make it as weird, spooky or mild as you want!
The Beaverton Library Foundation is pleased to once again sponsor this annual writing contest for teens, awarding prizes for both middle school (grades 6-8) and high school (grades 9-12) divisions – $100 for first place, $50 for second place and $25 for third place.
Contest guidelines and an entry form will available at www.BeavertonLibrary.org/Teens beginning the last week of September.
Entries can be submitted in the Teen Room at the main library located at 12375 SW 5th St or at the Murray Scholls branch located 11200 SW Murray Scholls Place. Entries are due Tuesday, October 23 by 8 pm.
Winning entries will be posted on the Teens page of the library website. For more information, visit www.BeavertonLibrary.org/Teens or call 503-350-4001.
For additional information regarding Beaverton City Library, visit www.BeavertonLibrary.org or call 503-644-2197. Beaverton City Library is one of fifteen member libraries in Washington County Cooperative Library Services (WCCLS), which works to provide responsive and efficient library service countywide through centralized catalog, courier and other services.


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"RFPIO can be utilized to manage both Q&A RFPs, as well as unsolicited proposals. Each project includes a 'tasks' page where all non-submission tasks can be tracked (e.g. intent to bid, follow-ups, etc.) It has already helped us cut the response/review workflow time in half. As a small team who ships a lot of projects, this is a game changer for us!"- Carah Counts, CareATC


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Up until last year I'd never been to Utah and didn't have any strong desire to visit the state, but I kept hearing a couple names of State Parks or random hikes, mountains, or things like that and I'd look them up later and very often they happened to be in Utah. I mean I'd flown through a few times, but that obviously doesn't count. So after drooling over some photos I'd seen on the Internet of Zion National Park and that seeming to be the closest of Utah's Grade A destinations, we decided on a group trip out to check it out.
We drove overnight from Orange County, which if you can avoid I would. The drive wasn't bad, there's just a lot to see and you miss out when there's no sunlight. We drove out on Monday morning and it was amazing how much there really was to see, and that wasn't even in the park.
Zion is incredibly beautiful, full of giant red rock formations, and some of the world's best hiking. We did a few small hikes and a small group of us did Angel's Landing, which was pretty sketchy in parts, but with a huge payout. The hike itself is amazing, with 360 degree views, and the final ascent to Angel's Landing is a huge relief. I saw people doing this hike in flip flops and with little kids, which seemed ill advised at best. I'd highly recommend some sturdy shoes and keeping a close eye on any kids. It would be very easy to fall.
The camping at Zion is nothing to write home about. The sites are all fairly close to one another and allow fires and one or two cars per site. The best part of the sites were that they were close to a small river that had a beach where we could post up and cool off with some beers after the day's activities.
If you haven't gone, I'd definitely add Zion to your list of destinations.


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Too usually during kitchen renovations, homeowners are left to juggle the various trades and employees and to cope with issues that come up. These shapes present plenty of cupboard and countertop space, and you may add a bar-height counter to the island for an on the spot eat-in area. This is the final, and perhaps most satisfying, part of the kitchen transforming process—seeing your house take its useful, flashy, and ultimate type. Whereas reworking a kitchen can be an costly proposition, you may keep your prices down by following all, and even just a handful, of these tips.
From small kitchen remodels to deluxe kitchen renovation projects, all prices under should be thought-about and analyzed earlier than embarking on a kitchen reworking mission. Earlier than you check out Pinterest, pals' houses different house reworking web sites, we needed to depart you with 10 kitchen coloration schemes that undoubtedly work and needs to be considered earlier than any kitchen remodel.
Along with your cupboard selection full, it is time to look at the flooring type, brand and shade. Much like your plumbing, gasoline strains may be moved during a major remodeling project. A major kitchen transform could embody a half dozen or more people: an electrician, plumber, HVAC installer, drywaller, painter, cabinet installer, finish carpenter, tile installer, demolition crew, and so on. Who you need will be dependent on the scope of your mission.
While we have used (and loved!) Ikea cabinetry in our laundry room & our bonus room , for such a big project the place we have already mentioned that speed was a motivating factor, we thought these have been our best choice. Be taught more with the topics beneath to help maintain your remodel plan on time, on activity and on finances. If you wish to save on your remodeling challenge (and avoid wasting headaches), as a substitute of replacing your cabinets, there are a few tricks you are able to do to make your cabinets look brand new.
When selecting lights, your designer can be able that can assist you determine the work zones in your new ground plan the place you'll admire extra task lighting. Once you get an thought of what you want, let the experts at our residence reworking company assist you make your dream kitchen a actuality. We briefly considered doing white appliances (typically we hear whispers that the stainless trend is running its course) however we truly like the metal breaking up all the white cabinetry in right here.


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The legend of the Bigfoot has been a part of our culture for many years. There is of course quite the controversy surrounding this "Wildman." Did you know that the first written account of such an encounter was way before the time of Christopher Columbus, in 986 AD when Leif Erikson and his men landed in the new world. Accounts share that they saw creatures who were "horribly ugly, hairy, swarthy and with big black eyes." Whatever the truth is, the stories, legends, excitement and curiosity around Bigfoot have set the stage for a wonderful annual event, the Honobia Bigfoot Festival.
Honobia is a picturesque community surrounded by vast tree plantations in the heart of the Kiamichi Mountains. It is here that the annual Bigfoot Festival takes place, where the supposed first sightings of Bigfoot were. It will be taking place October 3-4, 2014 and whether you are a true believer, curious about what people have to say or just want to have some fun, you need to come on out to this event. Over the course of the two days you will be treated to some great live music, shop vendors with handcrafted arts and crafts, enjoy family-friendly games, eat great food and see the fantastic art on display by local artisans.
There will be several musical performances and live acts as well as presentations by prominent Bigfoot researches. This year's guest speakers include Dr. Jeff Meldrum, Scott Nelson, and Professor Marvin Leeper. There will be some Q&A sessions as well where you can ask about their personal experiences and maybe even share some of your own! A Friday night campfire will be held and everyone will be encouraged to share his or her own tales and experiences. On Saturday, the 5K Big Foot Run will take place at the Little River Speedway and the Big Foot Shakedown takes place on the dirt track that evening. There will also be the Big Foot Karaoke Music Idol contest so get ready to show off your skills!
This festival is just the perfect excuse to make your way over to our beautiful area for a time of fun and relaxation. The fall is simply beautiful and the private cabins of Beavers Bend Creative Escapes are under an hour away from the festival. Whether you are on a weekend getaway with a spouse or friend or have a whole caravan tagging along, we have a space that will suit your needs. Contact us today for reservation information at (580) 306-2266.


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Posted on: www.dailyguideghana.com
By William Yaw Owusu
Friday, January 29, 2016
Trade and Industry Minister Ekwow Spio-Garbrah suspects the Public Utilities and Regulatory Commission (PURC) ordered the utility companies to increase tariffs recently to sabotage the government.
"It is curious that many of these charges are coming at this time in the first month of an election year," he complained bitterly on Joy FM during a visit to Volta Region yesterday.
The imposition of high taxes and utilities forced thousands of public sector workers with support from those in the informal sector, to hit the streets recently across the country in protest against the mismanagement of the Ghanaian economy.
The angry workers, under the umbrella of Organized Labour, were particularly incensed about the high taxes and levies imposed on petroleum products.
The workers don't understand why they should pay more for petroleum products especially at the time when crude oil is currently selling at below $28 on the world market, describing the Mahama administration as insensitive.
The NDC government recently slapped killer taxes and tariffs on consumers.
Dr. Spio-Garbrah, who has a different view about the hot issues, rather blamed the regulator PURC and the state-owned companies like Electricity Company of Ghana (ECG) and Ghana Water Company for the outrageous prices.
"You wonder if utility rate has gone up by 150%, why didn't it go up by 20% two three years ago, 30% last year and maybe 40% this year to more or less achieve the same objective?" he quizzed.
"Why have some of these institution waited till an election year and all of a sudden you hear incredibly outrageous rates 57, 100%, 400% etc all the way to affect ordinary water that human beings drink."
"Are they trying to raise revenue for a particular purpose and what is the objective?"
Dr. Spio-Garbrah said his ministry, which is a stakeholder in the scheme of affairs, had never been consulted on issue.
"We consider ourselves as stakeholder in the broad economy as well as the matters that affect business and industry but at no point have we ever been called to also come before the PURC or any other public agency that wishes to revise its rates to discuss the basis for which these rates are being revised, the potential impact on the broad economy."


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KRUGER, Jake 1914-1983
Posted By: Tammy (email)
Date: 3/7/2017 at 18:51:22
Jake Kruger Services Held
Jake Kruger, age 69, passed away of an apparent heart attack suffered in his home on Sunday morning, June 26, 1983 after being taken by ambulance to Sartori Hospital in Cedar Falls.
Funeral services were held at 10:30 a.m. Wednesday, June 29, 1983 in the Pleasant Valley Reformed Church, rural Holland, with Rev. Carl Regnerus officiating.
Organist was Alvina Walterman and Rosie Luhring, Darlene DeVries and Loretta Arends sang "How Great Thou Art" and "The Lord's Prayer." The congregation sang a recessional hymn, "What A Friend We Have In Jesus."
Casketbearers were Curt Kruger, Mengal Kruger, Melvin Freeseman, Roger Kruger, Jay Spieker and Jim Meyer.
Interment followed in the church cemetery.
Jake was born the son of Gosinus and Kathryn Meester Kruger on April 6, 1914 in Pleasant Valley Township, Grundy County, Iowa. He attended the Pleasant Valley No. 7 school.
On December 25, 1915 he was united in marriage to Lillian Finger in German township, Grundy county, and they lived in Pleasant Valley township in Grundy county where Jake farmed until retiring in September of 1981, when they moved to their present home in Aplington.
He was a member of the Pleasant Valley Reformed Church, rural Holland.
He is survived by his wife, Lillian; 2 sons, Gerald Kruger of Parkersburg and Dennis Kruger of Cedar Falls; one daughter, Linda, Mrs. John Oberle, of Orlando, FL; seven grandchildren; one sister, Mrs. Trena Freeseman, Parkersburg; and four brothers, Henry Kruger, Dumont; Andrew Kruger, Aplington; Dick Kruger, Grundy Center; George Kruger of Parkersburg. He was preceded in death by his parents, and a 10 year old sister, Dena Kruger.
Schwartz-Engelkes Funeral Home in Parkersburg was in charge of the funeral arrangements.
--The Grundy Register (Grundy Center, Iowa), 30 June 1983, sec 2, pg 2
Grundy Obituaries maintained by Tammy D. Mount.
WebBBS 4.33 Genealogy Modification Package by WebJourneymen


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United Kingdom Association
Jewish Lawyers & Jurists
UKAJLJ Presents: Lord Mann and Dame Louise Ellman talking about 'Antisemitism in British Politics today' an online meeting
15th October at 6pm - entry from 5.45pm
Please follow this link to buy tickets:
From left to right; Jakki, Levene (Secretary UKAJLJ), Sir Michael Burton (Chairman UKAJLJ), Sir Terence Etherton MR, Riaz Hussain QC (Techbar).
On Monday 13th January 2020 the United Kingdom Association of Jewish Lawyers & Jurists (UKAJLJ) in conjunction with the TECBAR and COMBAR Equality and Diversity Committees were delighted to host this talk by Sir Terence Etherton MR.
Sir Terence gave a fascinating and humorous account of the development of the role of the Master of the Rolls, the previous Jewish holders of the office, and his own very personal, and impressive story of his rise through the ranks of the judiciary as an openly gay married man.
The meeting was very well attended and followed by a drinks reception which was generously supported by Gray's Inn.
Our talk on the 8th of April 2019 "Nazi Looted Art: The Difficulties and Realities of Restitution"
From left to right:
Warren Gordon (CMS), Anne Webber (Looted Art),
Tony Baumgartner (HHJ), Jakki Levene (Hon Secretary: UKALJ), Sir Michael Burton (Chairman UKALJ)
On 8th April we were privileged to have two distinguished guest speakers, Anne Webber, founder and co-chair of The Commission for Looted Art in Europe, and His Honour Judge Tony Baumgartner, a member of the Spoliation Advisory Panel.
Anne Webber gave a sometimes troubling account of the attitudes of European Governments and museums in deciding whether to return art treasures to their rightful owners, whilst HHJ Baumgartner told us of the work of the Panel, and the difficulties in deciding who are the rightful owners of art works.
Both speakers gave us an insight into their valuable work, and we are most grateful to them.
The meeting was hosted by CMS and followed by a reception.
Our talk on Monday 5th November 2018
'Religion and the Workplace'
Lady Justice Simler DBE and Mr Tariq Sadiq
From left to right;
Sir Michael Burton (Chairman of the UKAJLJ), Lady Jusice Simler DBE, Mr Tariq Sadiq and Warrant Gordon
On Monday 5th November 2018, together with the Association of Muslim lawyers, we held a talk on 'Religion in the Workplace'. We were privileged to have as our guest speakers Dame Ingrid Simler, President of the EAT and recently appointed as a Lady Justice of the Court of Appeal, and Tariq Sadiq, the distinguished barrister who specialises in discrimination law. They gave us a valuable insight into the complex problems relating to religious observance in the working environment, and the difficulties facing courts in achieving an appropriate balance of individual rights.
The meeting was kindly hosted by CMS and was well attended by members of both the UKAJLJ and the AML.
Lindsay Simmonds chaired a discussion with Rabbi Sheridan and Rabba Smith on
'The Future Role of Female Rabbis'


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Written By Brittany Sirabella
Kind, caring, and sweet are just a few words that describe Victor Cruz. Although extremely talented on the field, what makes him a true star is his giving nature and generous demeanor. Cruz, born in Paterson, New Jersey faced many difficulties in his life. However, instead of letting his setbacks overcome him, Cruz rose above the adversity and used it to create change and spread positivity. Cruz unlike many other individuals donates not just his money to various charities, but lends his time as well. A member of the Boys and Girls Club of America himself as a youth, Cruz consistently visits the kids and actively participates in the events they hold. In 2012, Cruz embarked on his own philanthropic venture, establishing the Victor Cruz Foundation.
Victor's foundation aims to assist children and young adults with the skills essential to achieving success in college and beyond. Maybe signing an autograph isn't as valuable as the work his foundation does, but it certainly makes people happy including myself.
Being at training camp each year, I have watched him interact with fans including myself. July 22nd, 2014 was a day I will never forget as long as I live. After a long, arduous day of practice, Cruz among other receivers came out to sign autographs for children twelve and under. Immediately, his kindness shined through. Cruz went above and beyond what was expected of him. Instead of just signing a few autographs and retreating back to the training center despite prior obligations, Cruz made sure each and every single child had an autograph and posed for pictures with as many as he could. Despite fatigue and the incessant heat, Cruz's smile remained on his face. Although it was clear from afar that Cruz was a sweetheart, it wasn't until he reached me that I fully realized just how special and one of a kind he truly is. Overcome with extreme elation, my emotions got the best of me and I broke down in tears of euphoria that I was meeting the man I idolized since his breakout rookie season in 2010. Instead of signing my item and moving on to the next individual, Cruz remained by my side in order to ensure that I was okay and consoled me, saying "It's alright, it's okay, calm down, take it easy". As if that wasn't kind enough, Cruz patted my head, hugged me, posed for a picture, signed my jersey, and personally autographed my book.
He surpassed my expectations and I hold the utmost respect for him, as I always have and always will. On a scale of 1-10, Cruz's personality is an 80.
When Halloween rolls around, most individuals choose to be fictional superheroes with superpowers and there is absolutely nothing wrong with that. For instance, Wonder Woman does play a pivotal role in inspiring and empowering young women everywhere. However, if I were to go to a Halloween costume party this year, I wouldn't go dressed as Superman or Batman or Wonder Woman, but rather as a real life hero: Victor Cruz.
Victor Cruz is an inspiration to individuals of all ages. Cruz has used his experiences to better not only himself, but the greater community. Cruz has not only made a large impact on the field, but has done amazing work off the field as well. Cruz may score touchdowns and whip out salsas with ease, but it's his kindness and sweet demeanor that make him a true talent. Cruz not only donates money to various organizations, but also gives his time and dedication. Cruz uses his words and actions to show us that if we persevere, work hard and believe we too can turn our triumphs into success. One does not have to know anything about football or care about Cruz, but can certainly glean something important by listening to his story and apply it to their own lives. Cruz may score points on the field, but he definitely scores fans and supporters with each philanthropic venture: small to large. For this reason and many others, I choose Cruz as my Halloween costume.
Cruz began my love for the game of football and I will be forever grateful for that. He is my absolute favorite player and I'll tell you why. I admire him and he has inspired me. His road to the NFL was far from easy, as he had to ordeal many struggles such as living in the rough neighborhood of Paterson, New Jersey and growing up in a single parent household. The difficulty he faced while in college, both academically (he was on academic probation) and personally (he lost those close to him and ended important relationships) simply fueled him and made him become a more hardworking, determined individual. Although, undrafted he persevered and tried out for the New York Giants and excelled in his rookie season and went to numerous Pro Bowls and ultimately the Super Bowl. With all he has endured, he has still managed to make a success out of his triumphs and become a great person both on and off the field. Knowing how it felt to grow up where everyday was a different hardship, Cruz vowed to make life easier for kids in his neighborhood and beyond by donating not only his money, but his time to various charities and organizations, even creating his own the Victor Cruz Foundation. It's the work that Cruz does on the field that gets him the stats, the trophies, and the acclamation, but what he does off the field is what truly sets him apart from the rest. I fell in love with Cruz the player, but adore Cruz the man.
He honestly is the nicest guy you want to meet and I hold the utmost respect and love for him and always will. Cruz is a true victor in my eyes.


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Curious designer ignited by tech & innovation!
A pharmacy client needs an interactive presentation app to introduce their newest drug to their clients.
Project type: Updated design test
Block diagrams, sketches, wireframes, mockups, app prototype
An expansive branding project for an Olympics electronic sports event.
Project type: University project
Logo, website, installation, collaterals, promotion and product design
An interactive exhibition within the Mammal Museum aiming to promote awareness about rapid global urbanization.
Project type: University project
Logo, website & app prototype, editorial, installation and promotional video
A campaign sponsored by a science and health institute to illuminate people about the misconceptions of genetic engineering.
Project type: University project
Logo, website & app prototype, digital publication, editorial, and promotional video
Animated gif that was created for social media platforms.
Project type: Personal
Animation, motion graphic, social media


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Calibrating Video Performance
Now it's time to start calibrating. There isn't space to go into the full setup routine here, but I'll touch on the general approach that you want to take.
The first calibration you want to make is to your set's brightness and contrast levels. Basically, you want to adjust your set to get the deepest possible blacks while still maintaining detail in the shadows.
You begin by turning down the color all the way, so that you have a true black and white picture. Now you want to display a pattern of black and gray bars, which is called a PLUGE (for picture line-up generation equipment) pattern´. With the PLUGE pattern onscreen, adjust the set's brightness control to make the pure black bar as dark as possible, and then adjust the contrast control so that the differences between the other dark bars are just barely visible. On most sets, adjusting either the brightness or contrast control effects the other adjustment; you have to adjust these two controls in conjunction with each other.
Next, you want to increase the color control until you have a more appropriate color level, and then adjust the tint control for a natural flesh tone level. When using the AVIA or DVE discs, you perform both these adjustments using a series of color filters. With a pattern of color bars displayed onscreen, you hold the color filter up to your eyes and then adjust the color and tint controls accordingly. A blue filter is used to adjust the overall color level; red and green filters are used to calibrate proper tint. Note that most viewers tend to set too high a color level; this is where using a calibration disc and the proper test pattern is a big help.
After you've adjusted the color and tint, you can adjust your set's sharpness level. This is a tricky adjustment because most viewers tend to tweak the sharpness control up too high. When the setting is too sharp, the edges are artificially enhanced, which means you'll see ringing or ghosting around some hard-edged objects. Set the control too soft, and the picture starts to look fuzzy. You want to strike a balance somewhere in the middle.
If your set has pro-level adjustment controls, or if you have access to your set's service menu, there's another level of adjustment you can and should make. This adjustment involves your set's grayscale setting, which determines the set's light intensity. Because gray is created from a mix of red, green, and blue, you must set the color gamma levels for each of these three colors to match industry specifications.
Grayscale performance is measured in terms of IRE, which is a unit defined by the Institute of Radio Engineers. Black is defined as 7.5 IRE, and peak white is 100 IRE. The transitions between these two extreme comprise the grayscale. To adjust the grayscale to its proper levels, fine adjustments have to be made to the red, green, and blue color gamma levels. It's a tricky calibration, best done using professional color analyzer equipment. You can try this on your own (if you can access the service menu), but it's an easy calibration to mess up. (If you do decide to make this adjustment yourself, write down the current settings before you make any adjustments; this way, if you mess anything up, you can always return to the original settings.)
Finally, if your television is a CRT-based device, you'll need to properly converge the picture tube (or tubes, in the case of a projection set). This procedure entails displaying a test grid and adjusting each line of the grid until it's a perfect white, with no color fringing. Some sets have built-in convergence patterns; you can also find similar patterns on the AVIA and DVE discs.
When you're done making all these adjustments, you may be surprised at how your picture looks. It will probably look a little darker than you're used to, but that's the way it should look. Remember, the manufacturers (and retailers) really pump the brightness and color settings on the showroom floor; a properly calibrated picture is less bright and has more natural color levels than what you saw in the store.


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Benign Thyroid Cysts 101: What to do if the fluid is thick and viscous?
Thick Viscous Thyroid Nodule Cyst Fluid? Use a Larger Needle
Korean study using a large needle to drain hard to evacuate cystic nodules.
Thyroid cyst with thick fluid is usually treated with 2 step PEI procedure. #1 take out a small amount of fluid and inject a small amount of ethanol.
Step #2 Wait 1-2 weeks and when the cysts is liquid complete the ablation.
However a One-Step Ethanol Ablation of Viscous Cystic Thyroid Nodules
with large bore (#16-17 )needle can be used as described I the study.
Call me at 310-393-8860 or [email protected] for details about treatment.


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A couple of new features were released over the last week on the Submission Grinder. For those who don't know what the Submission Grinder is, it's a donation-supported website that helps writers finds publishers for their work, as well as providing submission statistics from user data.
The Advanced Search Engine can do a lot of things already. You can search by various parameters like length or pay rate. You can ignore individual markets so they never show up in your search results, or exclude markets where a particular piece has been submitted. But it can only work with the data it has available to it, and sometimes that's not the sort of data that a program can make sense of. For instance, Beneath Ceaseless Skies takes secondary world fantasy only. The search engine can base its search on genre, so it'll find BCS in a Fantasy search, so if you search for your contemporary American fantasy you're going to keep seeing BCS in your search results and you'll have to remember to ignore that result yourself. Or if you have a piece that doesn't technically fit the specifications of a market but you have special permission to submit or something, then there would be no way to mark that for yourself.


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The Storm Coast is a region in Ferelden located in the north western portion of the country. requires 8 power to unlock area
The Storm Coast is a sparsely-populated stretch of shoreline along the Waking Sea. Ancient dwarven ruins—abandoned since the Divine Age—still line the coast, their architects long forgotten.
Note: The western portion of the region is accessible only through a gate that is locked until the Red Water quest is acquired (this, in turn, requires the completion of the Red Templars on the Storm Coast mission from the War Table). The gate in question is found north-north-west of Driftwood Margin Camp.
- Apostate's Landing
- Dragon Island
- Driftwood Margin
- Great Cove
- Hessarian Camp
- Long River
- Morrin's Outlook
- Small Grove
- Storm's Solitude
- Waterfall Cave
QuestsA Glowing Key Antivenom Requisition on the Coast Cleaning House Holding the Storm Coast Iron Survey on the Coast Keeping the Darkspawn Down Memories of the Grey Mercy's Crest Requisition Red Water Rifts on the Coast Rift at the Falls Salvage Requisition at the Coast Sutherland and Company Missing The Captain of the Chargers Vigilance on the Coast Wardens of the Coast
Notable items
- Logging stand in the valley west of the Driftwood Margin Camp
- Quarry in the valley north of the cave leading to the Lyrium Falls
Community content is available under CC-BY-SA unless otherwise noted.


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Your shopping cart is empty!
Just wanted to tell you how pleased I was with my recent order. The quality of the products is great, delivery was quick, and everything was really well packaged. My orchids are repotted and seem happy with their new found space. I'll definitely come to you for all my future purchases. Thanks!
Average Rating:
- Ellen 17:50:35 01-18-2014


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Would you like to see how your memorial will look before you buy?
If so, then no problem as we are very happy to email you a real life draft (just like the examples below) for you to see before you make your purchase, with no obligation to buy whatsoever!
Click here for ordering information, email or call anytime on 01253 713129.


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Gianluigi Buffon describes Nice-bound Mario Balotelli as "humble", Gianluigi Donnarumma "a chosen one" and ex-Juventus teammate Paul Pogba "a leader".
Buffon was present alongside Italy boss Giampiero Ventura at Wednesday's Press conference for the Azzurri's friendly against France in Bari the following evening, and among the questions he faced was one about Balotelli's impending move to Nice.
"There's a new project, and we're ready to make our quality available to the CT," the veteran said.
"When you feel you still have something to give then you're ready for a new project.
"It's important to be mentally ready for a match like France-Italy.
"Balotelli made a humble choice [in joining Nice], he can demonstrate his talent there.
"This is the most difficult phase of World Cup qualifying in my career. Donnarumma is a chosen one.
"Pogba was a leader at Juve, he'll be one Man Utd and more so for France.
"We have the desire to cry again, but [cry] with joy."
Watch Serie A live in the UK on Premier Sports for just £9.99 per month including live LaLiga, Eredivisie, Scottish Cup Football and more. Visit: https://www.premiersports.com/subscribenow


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Kurdpress- Arab league countries unanimously exerted heavy sanctions on Syria.
Arab league countries gave a three- day respite to Syria to accept their plan and after Damascus shunned away from answering the league's call, the put heavy special sanctions on it.
In Sunday's meeting 19 countries out of the 22 present countries approved the draft, but as Iraqi foreign minister Hushyar Zibari had formerly announced, his country which has got a long border with Syria, did not affirm the sanctions.
Arab league sanctions
"Sheikh Hamad Ben jasem ale Sani" who is Qatar's prime minister and foreign minister presided over the gathering.
Based on the decisions made in the meeting, all the members were forced not to give visa or permission to Syrian high ranking officials; lock the country's properties in their own country; stop cooperating with Central Bank of Syria; avoid from any kind of investment in Syria and suspend all relations with this country. "The sanctions are economic by now and if Syria doesn't do based on their humanistic mission, will stop this situation in Syria."
The league's previous behavior
This is the first time that Arab league exerts such sanctions on one of its members.
These sanctions come at the time the league has never made such a decision in reaction to uprisings in Egypt, Libya, Bahrain and Yemen.
It's worthy to be noted that after uprisings gained ground in Syria and the situation worsened more and were chronic, Arab league passed a multilateral law to send representatives to Syria to oversee and look out the situation in Syria, release political prisoners and make Syrian army leave urban areas. Syrian government accepted the plan and passed it to be implemented.
But the league, influenced by the United Nations right commission, which had claimed Syria has not fulfilled his promises to Arab league's draft, suspended Damascus's membership from the league on November 12th and by inviting representatives from different oppositions to its meeting, raised political pressures on Syria.
Syria reactions
Syrian foreign minister Walid Al- Muallem announced his country's first official reaction to Arab League's new position. In an statement issued by Syria foreign ministry, Muallem harshly criticized Arab league countries and claimed that they were making grounds to send Syria case to UN security council and then a probable military intervention in the country. Condemning Arab league measures, the minister emphasized on his country's resistance against any foreign plot. Syrian media censured the league's decision too.
Possible impact of the sanctions
Syria is one of the Arab countries which owns a fragile economy that heavily relies on trade and transition with its neighboring countries about 25 of the country's importations is through its neighbors' soil and more than 50 percents of its exportation is also through borderlines with Turkey, Lebanon, Jordan and Iraq.
As Arab League decisions are a must for the members and Turkey's affective accompany and its great impact on exerting the sanctions, it seems Syrian's economy is more fragile than it used to be and so it has to bear more foreign pressure.
The outlook ahead
As Muallem has pointed to in his statement, it seems Arab League members accompanied by Turkey are trying hard to take Syria case to UN security council.
The council itself made great efforts to pass a bill against Syria but China and Russia vetoed the proposed bill. At the time, supporting Arab League plan for solving Syria problem countries justified their decision, but now it seems china and Russia have no way out, if Syria case is taken to UN council once more.
News Code: 390 | Date: 2011/11/28 | Time: 17 : 45
http://kurdpress.com/En/NSite/FullStory/News/?Id=390#Title=%0A%09%09%09%09%09%09%09%09Arab League and heavy sanctions on Syria/ Ardeshir Pashang%0A%09%09%09%09%09%09%09


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Anyone who is a PC gamer is probably familiar with the PAYDAY franchise. PAYDAY has had a lot of somewhat successful ports from the last gen to the current gen. As you might already know, PAYDAY was recently made available on the Nintendo Switch.
PAYDAY was initially announced to hit the mobile platform way back in 2015, and then a year later it had a 'coming soon' tag, which obviously never happened.
There was absolutely zero news about PAYDAY on mobile until now. Not only do we know that the game is finally coming to mobile but we also have a brand new trailer!
Check out the PAYDAY: Crime War trailer for iOS and Android below;
PAYDAY: Crime War will not only allow players to rob banks and do other bad things as usual, it will also allow players to play as cops. Which is a first
When PAYDAY: Crime War launches on mobile, what we would like to see is actual support, unlike the inconsistent support we got for the console versions.
If you are interested and pumped like we are for PAYDAY: Crime War, the beta begins on September 10th for both Android and iOS.
From what we know, the beta will let players test out mechanics, performance, matchmaking and game rules. The beta period is set to last from the 10th of September to the 14th.
The developers of PAYDAY: Crime War has stated that the beta will be staged, and a forum will be made available for discussion, which is great to see.


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"Stack" Bliss Bracelet
$ 147.00
The Bliss Stack bracelet is for you if:
- You are ready to say YES to your deepest intention to attract more balance and ease into your life (whatever form that takes for you)
- You want to upgrade your life to one that allows you to breathe and actually enjoy it
- You are ready to receive all the joyful peace and contentment that The Universe has in store for you, ready for YOU and waiting to be unlocked by YOU
Beautiful round beads of amazonite, white howlite, and African turquoise are strung onto a sturdy, stainless steel wire that stretches to fit over your wrist and retracts to hug your wrist in three single loops to look like a stack of three bracelets.
It won't break like other brand bracelets made using stretchy elastic!
Tiny amazonite and aquamarine beads dangle from each end of the bracelet. A sterling silver branded signature tag dangles from one end.
Every piece is carefully made with love, smudged of any negative energy with white sage, and programmed with the highest intention of abundance for your good and the good of All.
You will receive your jewelry in a luxe gift box that contains everything you need to get started harnessing the innate power of the crystals in your Eos & Alchemy jewelry: instructions on how to cleanse and program your piece, a small bundle of white sage so that you can cleanse your piece regularly, a natural muslin bag to store your piece that will protect your bracelet and the positive energy you pour into it, as well as information on the special, metaphysical properties of each crystal in the jewelry you have purchased.
To make the most of your Bliss bracelet with the goal of bringing forth your intention into reality, read through the online recommendations and lessons we provide for free under the LEARN TO MANIFEST tab on the main menu. New resources are added all the time with the goal of supporting you to manifest your best life.
The crystals used in the Bliss bracelet have an innate balance-creating energetic vibration and were picked specifically for this purpose.
- Relieves stress, dispels negative energy
- Allows one to see both sides of a situation
- Alleviates worry and fear; calms the nervous system
African Turquoise (Blue-green Jasper)
- Eases aggravation
- Balances the emotions
- Promotes organizational abilities and follow-through
White Howlite
- Absorbs anger
- Soothes the mind, allowing for better sleep
- Promotes patience
Note that the use of these stones in our jewelry is not meant to be a replacement for medical treatment. It is meant only as a guide to changing one's energetic vibration for the manifestation of one's intentions.
- Small: for wrists up to 6 inches
- Regular: for wrists from 6 inches to 8 inches
- The Bliss bracelet alone will not magically bring your intention to your doorstep! When it is properly programmed by you, though, its innate vibration for drawing in peace and ease will elevate your own energetic vibration, aiding you in aligning with your intention so that you may receive it (or something better) into your life as you take focused action.
Want to say no to the status quo? It's time to do something different! Let's do this:
- 1. Purchase a Bliss bracelet
- 2. Read the instructions that you receive with your jewelry shipment. The instructions explain how to prepare your jewelry energetically to maximize its manifesting mojo for you.
- 3. Check out the resources on the Eos & Alchemy website. This additional information is geared to support you as you work towards bringing forth your intention into reality.
- 4. Take inspired action! Nothing will change for the better unless you DO something about it.


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This card is the perfect card for a wedding. The card is all white, accented with pearls, copper ribbon and copper embossing. The inside also has the copper embossed sentiment reading, "Side by side together stand - heart to heart, hand in hand - a very special dream comes true - beginning with the words, - 'I, do!'"
This card may need extra postage when sending in the mail - be sure to check with the post office before sending. It comes with a white envelope


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Updates to CII Study Texts – 5 December 2015 through 12 January 2016
Last updated on September 25th, 2019 at 4:38 am
Are you aware that the CII update their study texts throughout the examinable year to either incorporate new legislations, correct errors or clarify information? Many candidates aren't aware of this, which can result in candidates studying out-of-date information. To make this easier for you, we have collated the most recent CII study text updates. As some of them affect Brand Financial Training's learning resources, we have also updated the relevant parts of our resources, which are noted below. Note that we always keep our resources up-to-date.
These updates were taken from the CII website between 5 December 2015 and 12 January 2016.
You can find these updates yourself by going to http://cii.co.uk and navigating to your chosen exam. Then in the right-hand column you will usually see two options: "Learning solutions update" and "Qualification update". These are the two areas where updates to study texts are normally shown.
CII R04 Exam : Pensions and Retirement Planning
New Version of the Manual Issued in December 2015
As a result of the re-issue of the manual for this exam, we have updated our Study Notes.
CII R08 Exam : Pensions Update Programme
Web update 3 : 18 December 2015 http://www.cii.co.uk/media/6663153/r08_august_2015_web_update_3_18-12-2015.pdf
As a result of the updates for this exam, we have updated our Mock Paper Taster, Mock Paper Set 1 and Mock Paper Set 3.
CII J03 Exam : The Tax and Legal Aspects of Business
Web update 3 : 11 December 2015 http://www.cii.co.uk/media/6649866/j03_2015-16_web_update_03_11-12-2015.pdf
CII J11 Exam : Wrap and Platform Services
Web update 2 : 11 December 2015 http://www.cii.co.uk/media/6649998/j11_2015-16_web_update_02_11-12-2015.pdf
CII AF3 Exam : Pension Planning
Web update 2 : 18 December 2015 http://www.cii.co.uk/media/6663087/af3_2015-16_web_update_2_18-12-2015.pdf
As a result of the updates for this exam, we have updated our Study Notes.
You can find exact changes to our learning resources at:
Whilst we make every effort to ensure that all information provided is accurate and correct, no liability for any claims as a result of using or relying on this information will be accepted. Please read our full terms and conditions at https://brandft.co.uk/terms-of-sale/


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You might feel rejected from social or sexual pursuits as action planet Mars clashes with Saturn, the planet of structure, but use this opportunity to change your course of action and focus on preparing for an alternative.
The planet of romance, Venus, harmonizes with Neptune, the planet of fantasy, adding an extra sparkle to your dates, platonic or sexual, whatever floats your boat. Get carried away with partying or hedonism—Scorpio season is simply a horny and fun time for you! The coming weeks are fun and exciting. An intense understanding between two people—lovers or friends—arrives as Venus connects with Pluto.
This can come with a sense of rejection or resignation as action planet Mars clashes with Saturn, the planet of boundaries, but the new moon in Scorpio encourages you to find solace in these relationships. Get in touch with your roots, your family, and their stories. There is a feeling of closeness to your ancestors and family history as Venus harmonizes with psychic Neptune, pushing you toward a mystical connection with your family tree.
Scorpio season finds you in a more private mood. Find a way to get comfortable and have a nice place to lay your head after the chaos of the busy work day. The new moon encourages you to get some rest and reprioritize. You are in a magical headspace when it comes to your relationships.
Daily Horoscope Friday February 22nd
Chase the fairytale romance, and let other people transport you to a magical world, but be aware of where your fantasy begins and where reality ends. Find a more appropriate place to let these fantasies run free as Venus, the planet of love and beauty, harmonizes with Neptune, the planet of fantasy.
You can inspire and reach other people with these aesthetic ideals, too. You have a deeper understanding of creative and sexual impulses as Venus connects with power planet Pluto. The intellectual and cerebral are as pleasurable as the corporeal. Social or sexual rejection creeps in as go-getter Mars clashes with strict Saturn, rerouting you, but authentic connections shine through as the new moon in Scorpio prioritizes sibling-like relationships. Scorpio season finds you with a heightened sensitivity to the material world.
What's in the stars for you in October? Read your monthly horoscope here. Want these horoscopes sent straight to your inbox?
February 21, Panchang, Panchanga, Panchangam for New Delhi, NCT, India
Click here to sign up for the newsletter. Astro Guide. The sign of Yang Metal Rat is a ship traveling on the ocean. That implies that we need patiently wait for the time to arrive at the destination. It's time to well-prepared for the next coming performance.
The fully armed Rat is ready for battle. The other sign of Yang Metal Rat is strong wind stirring up the water or a potential hurricane.
Water represents danger in I-Ching. Hurricane could damage the properties to cause disputes. A smart person should stay alert and don't drop into the ocean or argument. Chinese Fortune Calendar provides two different predictions. The first method is the simple Chinese Zodiac Prediction to analyze the relationship between the White Rat and your zodiac sign. The second method is the traditional Chinese Five Element Astrology.
- aquarius born on january 4 horoscope.
- numerology calculator based on date of birth 1 march.
- virgo daily time genie horoscope.
- Structure of Indian Calendar;
- Full Bull Moon, by Holiday Mathis | Creators Syndicate!
This way is required your correct birthday and birth time. Your Life Rise and Fall Chart. Chinese families have to prepare for the new year festival a month ago. To understand those events, we need to know Chinese history and culture background. Chinese New Year Day is the first lunar day of the first Chinese lunar month. That means the new moon day is the first lunar day. The new moon day could fall on a different day in different time zone. Therefore, lunar months have different patterns between China and USA time zones.
This will impact the Chinese Baby Gender Selection calendar. Chinese lunar calendar is quite complicated. It has to work with the solar calendar. A lunar month has 29 or 30 days long. To match up the solar cycle, the Chinese lunar calendar has to add 7 additional lunar months every 19 years. The following topics are the detail explanations of the Chinese Lunar calendar. If you are interested in these events, you should check the schedule at the Lunar New Year Parade Location and Schedule page.
Therefore, the Kua number of is 7-Red. Unlucky directions are 2 Black is connected to Illness and Sickness. The most unlucky direction is Yellow 5 on the western side. Do not have any remodeling in the western area of your house. More detailed information is available in the Farmer Calendar CD. Chinese New Year is the first day of the lunar month. That means Chinese New Year's day is on the new moon day. We have 24 time zones in the world. The new moon days might fall on different days at different time zones.
We provide the listing of Chinese New Year Dates at different time zone. We also have a comparison of the lunar months between China and the USA. Aries love horoscope Aries career horoscope:. Aries compatibility in Best month:. Worst month:. Aries Months:. What's in store for Aries? Astrology rating:. An energetic month.
The Horoscope
Control your anger Hold your head up high. Things will get tough. Your routine is getting you down. Enjoy the success you deserve! Make bold moves! You'll ruffle feathers. Stressful times. Stand up for your views. Highs and lows. Peaceful month!
- cosmopolitan snapchat horoscope february 1.
- march 1 2020 love horoscope!
- leo horoscope for week of february 3 2020.
- birthday horoscope gemini march 3 2020.
- horoscope for libra february 27 2020?


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Price: $10.00
Quantity: 500 available
Book Condition: New
The Study reviews the existing structure of agricultural extension and research and their operations in different ecological zones, proposes options for improving farmer participation in research and extension and suggests measures to improve quality management and cost effectiveness. It explores issues like the reorganization of institutional processes to make them flexible and responsive, approaches and methods that encourage functional participation vis-a-vis empowerment of farmer organizations, and the need to embed the reforms into the extension and research system management .The recommendations given, attempt to define a conceptual framework that sketches strategic options most likely to make extension and research systems farmer participatory and client accountable. Printed Pages: 271.
Title: Farmers Participation in Agricultural Research and Extension Systems
Categories: India, Agricutural,
Publisher: New Delhi, Concept Publishing Company: 1997
Binding: Hardcover
Book Condition: New
Jacket Condition: New
Item: 1.00 Item
Seller ID: 701322
Keywords: Farmers Participation in Agricultural Research and Extension Systems National Institute of Agricultural Extension Management


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If you know me, you know that I appreciate all things Italian. The culture, the country, the language and of course the food. The Italians are well-known for taking simple ingredients and making them shine. Simplicity is the key in Italian food and I really appreciate that. They somehow carry that mentality to desserts as well, which is hard to imagine. While many want to overcomplicate desserts, the Italians say "no way!" They want simple ingredients to shine. They want smaller portions and lighter desserts. Semifreddo is a great example of that. Semifreddo literally translates to "semi-frozen." That's what semifreddo is. It's a half-frozen mousse. Much lighter than ice cream, but with the same creaminess. It's very easy to make and very versatile. You can flavor a semifreddo pretty much anyway you'd like. You can also serve it anyway you'd like. Me, I decided to not overcomplicate it. I made a vanilla semifreddo and served it with strawberry sauce and a few fresh strawberries. The next day, I made a fresh strawberry compote. I served it slightly warm and oh my gosh was it delicious. The cold and warm contrast in desserts always works best. What I'm saying is, flavor and serve as you please! Learn the technique and have some fun with it.
Make sure you have your eggs at room temperature and your heavy cream cold. Having your ingredients at the proper temperature is always important in executing desserts. Grease a loaf pan and line the loaf pan with plastic wrap with a little overhang. Place in freezer.
Separate your eggs. You'll only use 1/3 cup of the egg whites for this recipe. Reserve the rest for another recipe or discard the rest. In a heat-proof bowl, whisk together your egg yolks, 1/4 cup sugar and vanilla extract and vanilla beans if using, with a whisk or hand beater until lighter yellow and thickened. With a hand mixer, it'll take about 2-3 minutes. With a whisk it'll take about five minutes. Place the heat-proof bowl over simmering pot of water and continue to whisk for about 3 minutes until volume is about doubled. Take it off the heat and whisk for another minute.
Zest in the lemon zest and whisk in.
In a stand mixer, whisk the cream of tartar and egg whites on high speed. When tracks begin to form, gradually add in the other 1/4 cup sugar. Continue to whisk on high speed until a moist, shiny, firm stiff peak forms.
Fold in the meringue into the egg yolk mixture gently.
Without cleaning the bowl or whisk, pour in the heavy cream and whisk on high speed until soft peaks form.
Fold in the whipped cream into the mousse mixture.
Remove the loaf pan from the freezer and pour the mousse gently into the pan and slightly flatten the top. Wrap with plastic wrap and place in the freezer for anywhere from 4 hours to overnight.
After 4 hours.
Dip the pan in hot water for about 10 seconds and use an offset to unmold the semifreddo.
You can serve the semifreddo with any kind of berry, compote or sauce.
[buymeapie-recipe id='26']


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Thanks for your input guys I guess I'll keep scouring kijji for the best deal I can findReplies 15
It's held up to the abuse of family's camping in it for 15 years. But your prolly right about the layout I was just in it trying to figure thiings out.Replies 15
I was curious what you guys thought about converting a camper trailer into a job site trailer? I'm currently looking for a new or used cargo trailer and one of my guys told me t...Replies 14


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- Feed Type
- Link
- Date
- Company Name
- Mailing Address
645 Harrison St 3rd Floor San Francisco, CA 94107
- Company Description
Twilio provides an in-cloud API for voice communications that leverages existing web development skills, resources and infrastructure. Twilio's simple programming interface opens the field of voice applications to millions of web developers, and its Pay-As-You-Go pricing allows customers to pay for capacity on when they need it, not before.
- Website
- Transaction Type
Venture Equity
- Transaction Amount
- Transaction Round
Series D
- Proceeds Purposes
Twilio will accelerate new product development and further strengthen its marketing and sales efforts around the world.
- M&A Terms
- Venture Investor
Redpoint Ventures
- Venture Investor
Bessemer Venture Partners
- Venture Investor
Draper Fisher Jurvetson


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Kotak Mahindra Group, one of India's leading and highly respected diversified financial services institutions, Kotak Investment Advisors Limited (KIAL), a wholly owned subsidiary of Kotak Mahindra Bank Limited, focuses on managing the Alternate Assets business of the Group. While the Kotak Mahindra Group has been associated with private equity investments since 1997, to bring a sharper focus to the group's Alternate Assets strategy, Kotak Mahindra Bank initiated its first structured third-party private equity fund in early 2005.
- : Mumbai
- : Maharashtra
- : India


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The Fledged is a 24/7 news site dedicated to bringing you unbiased, fact-based news from around the world. Our team of world-class journalists are dedicated to bringing you accurate and objective news, without political agendas or editorial bias. We aim to report the facts, combat fake and inaccurate news, and make the world a more informed place.
Our journalists have published on some of the biggest and most trusted news sites online, including CNN, BBC, The Washington Post, and Forbes.