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County pension system takes notice of $60 million lawsuit against former adviser
The county retirement system has decided to get involved in the case of a fired employee who claims the pension fund is owed $60 million by a former Texas investment adviser and his colleagues.
Onetime staff investment officer Jeff Baker filed the whistle-blower lawsuit against the agency's former outsourced strategist, Lee Partridge of Houston, and some of the investment firms he worked with.
The San Diego County Employees Retirement Association has decided to intervene in the case, which means pursuing it to see whether the claims have merit.
"The board's decision is not an indication that the board or any of its members agree with any of the allegations contained in the complaint," spokeswoman Mary Montgomery said. "SDCERA will investigate these allegations and take whatever action is consistent with its fiduciary and constitutional duties."
The complaint, filed under the False Claims Act, accuses Partridge and others of deceiving the pension system and exceeding his authority by approving trades he was not permitted to make. Baker has made similar arguments before, in legal actions that saw no success.
The most recent 23-page lawsuit was filed early this year by Baker, who was terminated in 2011 after speaking to U-T Watchdog about investment risks he believed Partridge was taking on.
The lawsuit, which would likely have gone nowhere without the intervention of the pension system, was unsealed this week.
In addition to Partridge, the suit names a spate of additional financial advisers who allegedly contributed to the false claims, including one company that continues to advise the pension board.
"After reviewing SDCERA's new (investment policy), Baker became concerned that Partridge was mismanaging the fund," the complaint states.
Partridge served the pension system from 2009 to 2015 and moved back to Texas mid-way through his tenure. He did not return a message left on his cell phone this week. His former employer, Salient Partners of Houston, declined to comment.
The Texas investment professional always defended his "risk parity" strategy as a way to promote safe and steady returns in both up and down markets. He has maintained that all his actions as an investment adviser were sanctioned and driven by the retirement board.
"People who understand managed futures understand what went on this year," Partridge told Modern Trader magazine in 2014. "We were up 22 percent last year and we are down roughly 15 percent year-to-date this year. People like things that are going up, so do I. There is nothing that generates a big positive return without any volatility."
Partridge and Salient were terminated as investment advisers in 2015. Last year, Partridge parted ways with Salient. He is no longer registered as a financial broker with the Financial Industry Regulatory Association, which licenses U.S. financial advisers.
The lawsuit was filed in February and initially kept confidential. It was unsealed by a San Diego Superior Court judge this week, after the pension fund reviewed the allegations and evidence and determined to proceed.
The complaint identifies at least $60 million in damages suffered by the pension fund, which serves about 30,000 current and former county employees and has swelled to more than $10 billion in recent years.
The alleged damages include about $25 million in fees paid to Partridge and to Salient in the years he served San Diego County, as well as $35 million in financial losses the fund suffered when Partridge liquidated some U.S. treasury notes he purchased without required authority, the lawsuit states.
The retirement system has retained outside counsel to pursue the allegations in San Diego Superior Court.
Baker's lawyer, San Diego attorney Josh Gruenberg, said his client is trying to recover money for county employees that was wrongly lost.
"Mr. Baker is doing this because the employees of San Diego County have been damaged," he said. "They have been harmed by Mr. Partridge's failure to abide by the investment policy statement."
According to the complaint, Partridge withheld key facts from the board and in some cases presented inaccurate information to trustees.
He also invested $200 million in U.S. Treasuries with a Texas firm called Hoisington Investment Management, but deposited the money in a fund that was not specifically authorized by the pension board, the lawsuit claimed.
"On information and belief, before making the original purchase, Partridge knew that investing in the 30-year U.S. Treasury futures would exceed the limits outlined in the (investment policy)," the lawsuit states.
Baker was first hired by the county in 2007 as an investment officer in charge of the fund's global public markets assets.
Two years later, when the portfolio sank by more than $2 billion in value amid the worldwide recession, trustees terminated chief investment officer David Deutsch.
Instead of replacing Deutsch, who earned a base salary of $209,000, with another staffer, the board hired Partridge, then working for the Texas teachers pension system, as an outside consultant to advise then-chief executive officer Brian White.
Partridge's initial 39-month contract was worth $4.5 million.
By 2010, Baker began openly questioning Partridge's investment strategy and noted what he found to be breaches in the adopted risk limits.
Baker said he reported the discrepancies to his boss, to the CEO, to the county internal affairs office and, eventually alerted two separate trustees.
Few of the warnings were heeded, however, as Partridge and White repeatedly defended their decisions. Eventually, they recommended that the board increase the fund's risk limits so they would be in compliance with the higher risks employed by Partridge.
Baker was fired in 2011 after his concerns were featured in the Union-Tribune. He unsuccessfully contested his dismissal.
In 2014, concerns about risk and leverage in the fund were highlighted in a front page story in The Wall Street Journal and the tide began to turn.
By March 2015 county employees and retirees pressed pension trustees to veer away from Partridge's heavily leveraged investment strategy, and the board parted ways with CEO White. A few months later, Partridge and Salient were let go and the retirement system reverted back to an in-house chief investment officer and more traditional investments.
In addition to Partridge and Salient, the lawsuit names former acting chief investment officer Lisa Needle, financial advisers Hoisington Investment Management Co., Aon Hewitt Investment Consulting Inc., Albourne America, and Integrity Capital, the limited liability company Partridge formed when he was awarded the original county contract.
None of the consultancies or Needle responded to requests for comment this week. One of the defendants, Aon Hewitt, is still advising the pension system.
The legal dispute is likely to be sent to mediation before it reaches trial. A case management conference is scheduled before Judge John S. Meyer later this year.
The Partridge files
- Pension board to outsource portfolio oversight
- Retirement board turns testy about expert's pay
- New role carved for portfolio strategist
- Pension guru could have large payday
- Pension fund missed out on Treasury gains
- County outsider calling some pension shots
- Pension officer claims risk limits breached
- Retirement board OKs risk in two fund classes
- County pension fund earns less than peers
- Pension officer raised risk issues, got fired
- Pension strategist when on risk: 'Bring it on!'
- Pension fund contract called 'way outrageous'
- Pension fund mix modified
- County pension charts path through risky waters
- F-minus for pension fund from trustee
- Pension fund posts 13.44 percent gain
- Was pension fund leverage approved?
- Pension board keeps manager for now
- Pension fund dismisses Texas consultant
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Lead Market Technology Solutions is a UK based company with offices across the world. We need an Assistant Manager Accounts for our Lahore office to maintain companies accounts for UK based customers.
Candidate will be required to perform these task:
Chase payments on overdue invoices.·
Make sure that the company accounts are prepared and maintained regularly;·
Prepare, review & analyze the Accounting records including Book Keeping,
Financial Statements and analysis of other Financial Reports to check the accuracy & reliability.· Establish Table of Accounts (Ledger) and pass/assign the entries into proper accounts.·
Compute & calculate outstanding taxes and prepare the tax returns & other tax requirements as according to Pakistan Tax Regulation.·
Can handle the multiple accounts at a time and apply all accounting standards on financial statement where it is necessary and audit procedure at the time of reconciliation of record.· Develop record & analyze projected budgets and make a final report or presentation that compare projected and actual cost of the company and access the overall performance at the end of year.· Handling accounts related inquires from the sales persons;·
Keep a list of Accounts Payable and Accounts Receivables ready for management review.· Administer the monthly payroll in order to ensure that employees are paid in an accurate and timely manner, Prepare, review and file payroll summaries, journals and reports·
Preparing financial reports for the CEO Review that includes income statements, balance sheets, and cash flow statements.·
Verifying Bank Reconciliations is timely made by Accounts Officers;·
Establish and maintain suppliers and customers accounts and do reconciliations of accounts on periodic basis.·
Making sure that all the payments (International and local) is processed in an organized and timely manner;·
Perform any other task as assigned by the management.
Must be fluent in English
Experience in UK based Company
Strong computer and Internet skills
Good Command on English Speaking and Written
Good in financial accounting concept.Strong command on ExcelMust have knowhow in one of the accounts systems such as Sage, MS greatplanes or Kashflow etc
Extra Skill and Education
O Level , A level Education
Assistant Manager Accounts Jobs in Lahore Pakistan
Jobs in Lead Market Technology Solution

subset: commoncrawl


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Phantom Lures bolsters muskie line-up
Article Media Click images to enlarge +
Phantom Lures, widely known for its design and manufacture of tournament-winning baits, has bolstered its muskie line-up with the introduction of the Live Series.
Phantom's four, six and seven-and-a-half inch soft tail body baits feature the new colour patterns in an 'ultra realistic' finish.
The lures will be available in colours including Jumbo Perch, Largemouth Bass, White Bass and Pumpkinseed. Phantom prides itself on the premium standard of the paint and finish on all its lures, but the Live Series sets the bar in realism, says the company.
The Live Series incorporates the same high-quality components and craftsmanship that Phantom Lures has become known for.
Based in Ramsey, Minnesota, Phantom has been making muskie baits since 1996. It expanded into the walleye and bass markets with the acquisition of the Dakota Lure Company in December last year.
Tel: +1 763 951 2902
Web: www.phantomlures.com


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or 4 interest-free payments of $174.00 with or Learn more
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This compact statement stool features a panelled, studded copper exterior with a smooth, cushioned surface. The perfect addition to any relaxed yet sophisticated room. This unique design works as an individual piece or in conjunction with other designs in your bar or living space.
Dimensions: D=58, W=58, H=48.5cm
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Malakal devastated by battling
Issued on: Modified:
Regional leaders warn warring sides in South Sudan that civilians are paying for a ceasefire standoff with their lives. Meanwhile In Libya, More fatal violence hits Tripoli and Benghazi as ministers from the islamist JCP party quit saying the Prime Minister is incapable of getting a handle on security. And we take a look at how broken English is binding together multi lingual Nigeria.


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This is the ultimate guide to creating a Pepper's Ghost effect in 2020.
In this new guide, I'll show you how to create a professional illusion that can be used in theater productions, museums, haunted houses, and amusement parks.
Here's how a Pepper's Ghost illusion works:
Here's a comprehensive breakdown of the main points we'll cover:
What is Pepper's Ghost?
Referred to as "horror theaters", these performances used magic lanterns and projections to show frightful projections on stage. Dircks' invention proposed a new method to projecting these images. His goal was to sell his concept to theaters in the area, but many rejected the new concept. To use Dircks' idea, theaters would have to be completely redesigned, a costly and complicated method many did not want to undertake. This fact kept theater owners uninterested in changing their current setup.
How the Illusion Works
*Skip ahead to 1:26 to see how Disney uses the world's largest Pepper's Ghost effect in their Haunted Mansion ride*
There are two versions to making this illusion come to life through the designs of Dircks' and Pepper. Both father's had their own method to creating Pepper's Ghost. Companies of today are less likely to use these older methods. Today, computer based projects and animation software are more often utilized.
Tools & Materials Needed
- Glass Mirror
- A Light Source
- An Empty Room
- A Display Box
Step 1: Building at Home
Step 1: Understanding Pepper's Ghost and How it Works
To design a haunting hologram for Halloween, you will need a few materials to get started. The main components throughout are a pane of glass, a light source, and a space to setup your scene. I recommend starting small with a shoe box sized display to test your idea. Once you've tested your illusion, you can go bigger by setting up two rooms like the slider display below. Have your glass be placed 45 degrees between the two spaces. Then project your light into the second room holding your objects, while your main room remains empty. You can play around with the amount of light you want to use, as well as if you want a stationary object or live actor in the second room's space.
This trick can work with photos, videos, or live performances
Step 2: Alternative Version
Step 2: Modern Technology
An alternative method to making this age old illusion, is to use modern day technology. Pre-made 3D models get made on computers, smartphones and animation software. These images are then projected onto an Optical Beam Splitter on stage. Compared to the ghost like look of Pepper's Ghost, CGI holograms are view-able from all sides. These holograms come across in a crisp, clear high definition displays. This helps make the holograms appear even more life like being fully rendered. Video projection and motion capture technology combined create CGI "digital doubles." These digital doubles can be of celebrities, politicians, and world leaders of today and years past. Old footage of performers can be altered in animation software to bring dead celebrities back to life. Famous performances like Tupac at Coachella in 2012 and Michael Jackson at the Billboard Music Awards in 2014 make use of such technology.
Pro Tip 1:
pro tip 1
Programs like p5.js allow you to create an animation that can be projected onto a glass mirror on stage, giving an even more life Pepper's Ghost effect without a live actor, prop and large stage room being needed on standby.
Pro Tip 2:
pro tip 2
You are also not limited to just using a glass mirror or Plexiglas to bring holograms into the real world. A smartphone can be all you need to summon fantastic illusions and holograms.
Pepper's Cone
Pepper's Cone is where you place a curved surface on a table to reflect the image on a 2D display. There are a few tips and tricks you will need to obtain this illusion, which can be found in the video above.
Pepper's Dome
This hologram dome is similar to the Pepper's Ghost Illusion. It creates 3D images off a 2D surface.
Pepper's Glass
The looking glass is a unique interpretation of the Pepper's Ghost effect. It creates an object inside of a piece of glass that you can interact and play with.
DIY Smartphone Version
You can even create your own Pepper's Ghost illusion with your smartphone.
Bonus Info: Other Applications
Bonus info-
Pepper's Ghost is commonly made through stage illusions in theater, but it has also been shown in amusement parks, museums, television shows and movies, as well as at live concert performances. Some of today's modern rides use computer generated images instead of real models reflected back to the audience. Here is a list of other Pepper's Ghosts you may come across out at these locations.
Twilight Zone (Walt Disney World)
The above video shows the ballroom dancing from the Twilight Zone attraction in Walt Disney World. The video gives you insider footage of the attraction, and how it works.
Myster Lodge (Knott's Berry Farm)
The above video shows a part of the Myster Lodge (Knott's Berry Farm) where he creates the Pepper's Ghost illusion in fire.
Ghosts of the Library (Abraham Lincoln Presidential Library and Museum)
The Abraham Lincoln Presidential Library and Museum exhibits a Pepper's ghost illusion where a ghost of Abraham Lincoln makes an appearance.
Hogwarts Express (Universal Studios)
The Harry Potter Universal Studios uses the Pepper's Ghost Illusion that allows people to "walk through a brick wall" to reach Platform 9 3/4.
Aside from the wonders amusement parks can offer with these illusions, live concerts have really upgraded their style by bringing performers to life! They can even sometimes bring deceased performers back to life as well. Singers like Gorillaz, Tupac Shakur, Michael Jackson and Frank Zappa have all been brought to life through this technology.
These types of displays take more custom projection media server software, as well as specialized stretched film with added animation overlays
Bringing Non-Living Celebrities to Life
The video above shows a performance that was created using the Pepper's Ghost Illusion that allows artists who are no longer living to perform for a live audience.
Tupac Shakur
In 2012, Tupac was able to perform with Snoop Dogg and Dr. Dre for a Coachella live performance. Tupac was created using the Pepper's Ghost mirror illusion.
Michael Jackson
Michael Jackson was also able to perform for a live audience as well using the Pepper's Ghost illusion.
Gorillaz 2006
The Gorillaz were able to create a Pepper's Ghost effect, too!


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This site is intended for owners and prospective owners of Grampian Sailboats and for everyone that has an interest in sailboats.
The site has been in existence since January 1, 2002 but other sites with information on Grampian sailboats existed long before that and still exist today. Most are discussion groups where owners can share information and ask questions about these great boats. This was the first major website with photos and information. Over the last five years the site has grown thanks to the support of many Grampian owners sending photos, sails brochures, manuals and cash donations.
The site does not disclose emails or other personal information to other users of the site or other third parties without the explicit agreement of the individual in question. The Webmaster will make every effort to put members in contact with each other if both are in agreement.
The Webmaster reserves the right to edit and or delete material submitted to the Club House Discussion Board
Please send your comments, ideas and opinions on this site to The Webmaster and please let me know about any problems you have in viewing the site. I try to review all pages on MS Internet Explorer and Mozilla Firefox before releasing but problems still can occur. I am not an expert at web-site creation and if past history repeats, there will be a few problems despite my checks.
Ken Corbett
Grampian Owners Marina Website


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I didn't have a typical childhood. I was a nationally competitive gymnast, so I was in the gym 5-6 days a week, sometimes up to 5.5 hours per day. I left school early and went to one party my whole time in high school. But I LOVED it. I loved the sport. I loved the adrenaline. And I loved the endorphins.
Home life – I was very blessed. While we didn't have a lot of money, we had a lot of love. I was raised an only child and my mom was my best friend in the world. My parent's marriage wasn't epic so there was a lot of yelling (funny enough, they're INSANELY happy and in love now) and so I did a lot of internalizing. Middle school sucked big time. I would feel really sad or down for no reason which then made me feel guilty since I had a great life and perpetuated the cycle.
My First Diagnosis
When I was 17, I was finally diagnosed with mild-depression and started on this miraculous little drug called Paxil. Within days I felt like a new person. At 33, I've now been on anti-depressants off and on for the past 16 years — I did a bout in college where I ran out and forgot and went cold turkey … not the best idea. I've been on different medications, different doses, added herbs to the mix.
I've come to terms with the fact that I may always be on some dose and I am totally okay with that – SSRI's and I are buds.
The Switch – and Postpartum Anxiety
When I was trying to get pregnant with our son, Parker, I was on Paxil and was told that was a no go for pregnancy, so we switched me over to my new bestie, Zoloft. It felt like a great fit and stayed on 50mg for the duration of the pregnancy. Then I had a pretty traumatic delivery and suffered from postpartum anxiety and that 50mg quickly went up to 125mg where it sat for over a year. When we knew we wanted to plan for another baby, I knew the meds were going to have to come down and I wanted them to be back at 50mg again as I had a very healthy pregnancy with Parker and while I don't like taking risks with medications, my doctors and I agreed that it was in everyone's best interest – baby included – that I be on a low dose.
My Commitment To Self-Care
So in June of this year, I made a huge commitment to my own self-care. I became a fitness coach and started a 21 day program. I went from 125mg – 100mg of Zoloft and felt awesome. In September, I took on a huge undertaking and committed to an 80 day workout program that was 6 days per week and 45-60 min per day (did I mention I'm a work at home mom?). I didn't know how I was going to fit this in every day, but I was committed to my own health and that became a top priority – if mommy ain't happy ain't nobody happy – it's true.
Within a month of this program, I felt such a shift in my mental health and mindset. I had also started reading two personal development books per month, a gratitude journal and we're still working on being able to sit still for meditation. But within that month, we went down to 75mg. Now, I want to note that a few months prior, I had tried lowering my medicine and it did not go well. This time – flawless – like why had I been on a higher dose?! I had given myself a few months to lower but after a few weeks of being on 75mg and feeling awesome, I chatted with my therapist. I was nervous about going down to 50mg since I have new anxiety and stress with being a mom, so she suggested that we start with alternating 75mg and 50mg each night, so that it would net out to 62.5mg. Worked like a charm. After a few weeks on that – and still feeling like a rockstar – I officially went down to 50mg.
I honestly feel NO difference at all and I attribute that to my epic self-care routine – especially the working out piece. Science has proven that endorphins can literally rewire your brain by creating new neuropathways. So yes, you CAN sweat your way to happiness!!! I believe in my programs so strongly – it's in my bones and my heart – that I have to share it with the world. Let's get you rockin' + rollin' to happiness. Feel free to email me at firstname.lastname@example.com. I would love nothing more than to support you. xo
About the Author
Gena Jaffe is the Legally Fit Mama (aka The Sparkly Lawyer). She's been running her own sparkly online legal business for 5 years where she educates and empowers women with the legal side of their biz. She's a former nationally competitive gymnast turned fitness coach and mama to the sweetest boy who is the light of her life. Her wife, Jordana, is also an entrepreneur and together, they run virtual at-home workout groups to help women who struggle with mental health issues.


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07-12-2018 07:00
I am in need of a new boat combo. I've ran Etec's the last 13 years. I love them and hate them. I love the low maintenance and power and weight. But myself and everyone I know with ETECS have chronic cover cracking issues. I spent $2500.00 replacing covers every 10 years. So, that equates to $250 per year just for plastic covers. Evenrude or extended warranties don't cover it. They say it's 'cosmetic." Even whtn the lower covers fall off. Why doesn't Evenrude address this? Is there anything a person can do to keep the covers intact?
My merc covers never crack.
07-12-2018 07:17
07-12-2018 07:54 - edited 07-12-2018 07:56
The cover screws have a torque spec of 24-36 inch-pounds and the covers have to be fully positioned and seated into place before torquing them.
A new lower cover for a 2005 E-TEC 90 is about $476.
"There is never just one thing wrong with a boat";
-- Travis McGee, main character in a book series by John D. McDonald
The factory recommends that a properly trained technician service your Johnson or Evinrude outboard motor. Should you elect to perform repairs yourself, use caution, common sense, and observe safety procedures in the vicinity of flammable liquids, around moving parts, near high-temperature components, and working with electrical or ignition systems.
The information offered here is only general in nature and should not be construed as complete factory approved procedures, techniques, or specifications. Always use the proper service manual for your motor, up-to-date service literature, the correct tools, and have an understanding of how to proceed with troubleshooting and repair methods. If you are unsure or uncomfortable with a procedure, a situation, or a technique, enlist the services of a factory trained technician.


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Iced Glitter Twig Picks, Set of 6
Thank you.
We will send you an email when your
Balsam Hill product is in stock.
Captivate friends and family with the shimmering addition of our Iced Glitter Twig Picks to your Christmas foliage. Cleverly crafted to create a dazzling display of reflective light, these Christmas tree embellishments mimic the look dark brown branches embraced by tiny crystals of ice. Our picks are individually hand-wrapped, ensuring that each piece has its own unique shape, and bendable branches give you the freedom to create your own look. Available in a set of 6, these glittered picks add woodsy charm with a touch of glamour to your Christmas centrepieces, wreaths, and other décor.
- Set of 6
- Measures 29" long
- Dark brown branches feature faux ice crystal embellishments
- Individidually hand-wrapped
- Made from plastic for durability
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All orders qualify for FREE delivery to the UK and the Republic of Ireland via UPS.
All items are in stock and ready to be dispatched (except any marked "out of stock").
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For more detailed delivery information, please see our Delivery Information FAQs.
Balsam Hill™ is dedicated to providing exceptional customer service. Please call us at 02033 686 726 or contact us via email at firstname.lastname@example.com. International callers can reach us at 0044 2033 686 726. For current customer service hours, see our Contact Us page.
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Cancer as a Love Story:
Learning to live beyond cancer … from the inside out!
Cancer as a Love Story is a courageous story of a wellness pioneer who used the latest in neuroscience and "energy as medicine" to regain her own health after the devastating prognosis of breast cancer in 2012. Through her recovery, she teaches readers about one of the most overlooked parts of the healing journey: the emotional process of releasing toxins and internal stressors that may have contributed to disease developing.
With heart, vulnerability and wisdom, the author takes us on an inspiring, educational journey – learning to live beyond cancer from the inside out. She provides an in-depth overview of the four components of health: physical, emotional, mental and spiritual.
Cancer as a Love Story is full of "hidden jewels" and an insider's look at the latest healing approaches which complement conventional medicine.
Developing the Mindset for Living
Learn the 8 characteristics of long-term cancer survivors … and other ways for enhancing and extending life.
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Request Consultation
A book of hope, healing and heart.Sara Buckner O'Meara
I learned more in one session with Gail than years of other types of counseling. She caught blocks no one else had captured before—she has an intuitive gift of creating fast breakthroughs.Cindy Kemp
Spoiler alert: Cancer as a Love Story is not just for people affected by cancer. Author Gail Kauranen Jones, a five-year survivor of breast cancer, takes on the central failure of western medicine: the role of emotions in health and disease. Her heartfelt, brutally honest story takes the reader through her amazing journey of building new brain connections to enable healing through connection to community, nature, and the divine. Her transformed mindset is focused on new possibilities and self-affirmation. The book offers an abundance of tools, tips, resources, and lessons learned from both western and alternative approaches. Gail points the way forward for anyone interested in a new American dream: life, liberty and the pursuit of neuroplasticity.Phyllis Strupp
A very compassionate and educational book in which she provides the right combination of medical information and options for personal actions and techniques, all in nontechnical terms, and easily readable language. ...Not to be missed are the 'tips' that she offers ... a 'must read' for anyone with cancer, anyone who has a family member or a friend with cancer, and for healthcare providers. It will change their lives.Dr. Ann Webster
Gail Kauranen Jones
Gail is an author, speaker, blogger, transformational coach and wellness pioneer. Her passion is teaching others the healing power of reclaiming their innate love and worthiness. She enjoys sharing leading-edge resources that make a significant impact on health and wellbeing, through her powerful coaching programs on "Creating a new mindset for living" offered at www.SupportMatters
"A book of hope, healing and heart."
Sara Buckner O'Meara, Nobel Peace Prize nominee, renowned spiritual healer, and leader of The Little Chapel ministry, Paradise Valley, AZ


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Last Updated on Tuesday, 30 November 1999 05:00 Written by Administrator Tuesday, 09 July 2013 09:43
He was responding to the concerns raised by the All Pakistan Textile Mills Association (Aptma) during his visit to the Aptma House.Central Chairman Aptma Ahsan Bashir and Chairman Aptma Punjab Shahzad Ali Khan welcomed the special adviser.
Dr Malik admitted that the situation on ground was worst than actually projected through media and assured the members of bringing real issues forward to the federal government. He further said that he would keep the commitment of supplying electricity immediately to textile mills, particularly in Punjab, as per the requirement.
He urged the Aptma members to show patience and come up with innovative solutions to the energy crisis. "Textile industry is facing production constraints in Lahore, Faisalabad, and Multan. And, I would put up a real fight for you to ensure maximum relief," he said. However, he added that since he held no executive role in the government, he could not make any promise.
He said that he would use his influence to extend immediate relief to the industry. The government aims at a level playing field for all stakeholders in the industry, he added.Ahsan Bashir said unless the government supplies electricity at Rs10 per unit, the textile business would be unviable.
And, the government continues to supply gas to captive power plants of the textile industry until the government attains its energy vision.Shahzad Ali Khan said energy shortage would bring the industry at the verge of closure, adding the retrenching of workers is a difficult decision for the industry. Other members demanded of the government to purge distribution companies of corrupt elements.
Courtesy: The News
Forex open Market rates & comments Archive


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Number of poles required: Twelve
A joint effort from Charleston & Lizzy for this vlog. Please excuse the wonky filming in places, the camera moved slightly whilst resting on the fence.
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Earth's sky appears blue, due to the composition of the atmosphere and refraction. Mars' sky is reddish, due to the high iron-oxide particle content of the air.
If a planet had enough vegetation and humidity to keep the air relatively dust-free, and if the air composition was similar to that of Earth, would that planet necessarily have a blue sky, like ours? Under what conditions could such a planet have a different color sky (yellow, for example) and still support terrestrial-type life?


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It is more important for schoolchildren to learn about local history than world history.
To what extent do you agree or disagree?
Teaching history for schoolchildren has been a heated topic constantly. There is a common belief that local history is more important to children than world history. However, I disagree with this belief.
I believe the notion that local history is more valuable than world history should be rejected. Some people may claim that the insights into the local historical values are completely enough for one to live. Their argument could be true a few decades ago when most interpersonal communications wereRead more


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Fernhill, in the much sought after Clyde Street in Kirn, is a traditional stone bungalow with attic conversion which has transformed it into a beautiful 3 bedroom family home. In addition to the three bedrooms, one of which is on the upper floor, the house has a sitting room, dining room, kitchen and two bathrooms, one on each floor. The house sits on a large corner plot and the beautiful gardens have been lovingly landscaped and maintained and now boast a large front lawn with seating areas and a plethora of colourful plants, trees and shrubs, a side garden with a summer house and decking at the back in a private suntrap; the driveway and garage further enhance the property. The current owners have undertaken a substantial amount of upgrading in recent times including a new roof in 2018, triple glazing at the front, modern kitchen and bathrooms, new combi-boiler and internal insulation. Fernhill is in walk-in condition and given the private and enclosed gardens and its close proximity to schools, golf and bowling clubs it is sure to appeal to those looking for a lovely family home in a superb location.
The award-winning coastal village of Kirn boasts a golf course, indoor and outdoor bowling club and independent retailers including newsagents, bakers, off-licences and take-aways, amongst others. It is also conveniently placed for two ferries which provide rail and bus links to Greenock, Braehead and Glasgow. In the Dunoon area there are two supermarkets, local shops and hairdressers aplenty, several cafes and restaurants, plenty of pubs, two leisure centres, numerous golf, bowling, tennis and sailing clubs, a two-screen cinema, a local museum and a concert venue. There are also ample schools, churches, medical surgeries, dentists, a hospital and a veterinary practice.
Lower Floor – Sitting Room, Kitchen, Dining Room, Two Double Bedrooms and Bathroom
Upper Floor – Double Bedroom and Bathroom
The property can be accessed by either the front door which is reached via a pedestrian gate and pathway off Clyde Street or at the rear into the kitchen which is next to the driveway at the Dhailling Avenue side.
Entrance Vestibule
UPVC storm doors at the front open to the small but welcoming vestibule which has laminate flooring and a ceiling light.
A second UPVC / glass door opens to the T-shaped hallway which has a high ceiling, laminate flooring, radiator, ceiling light, feature archway and leads to the sitting room, kitchen, two downstairs bedrooms and the bathroom.
Sitting Room
4.83m x 4.18m
15'11" x 13'9"
Comfortable room with bay windows to the front overlooking the garden and offering partial views of the Firth of Clyde. Carpet, ceiling light and radiator.
5.63m x 2.82m
18'6" x 9'3"
Recently fitted modern kitchen with ample wall and base units with soft closing drawers, Belfast sink and integrated oven / grill with 4-hob gas cooker and plenty of space for further white goods. Downlights plus ceiling light, large vertical radiator, window looking down to the water and a further window and door to the decking area.
Bedroom 2
4.35m x 4.15m
14'4" x 13'8"
Good sized double room at the front looking out to the garden. Bay windows, carpet, ceiling light, radiator and plenty of space for large bed, bedroom furniture and vanity unit. Ideal downstairs bedroom for anyone with mobility issues.
Bedroom 3
3.94m x 2.92m
13'0" x 9'7"
Third bedroom, at the rear, which could be used as a guest room, study or TV room. Carpet, ceiling light and radiator.
Bathroom 1
2.87m x 1.60m
9'5" x 5'3"
Contemporary family bathroom comprising bath with shower over and glass screen, WC with concealed cistern and wash-hand basin set in storage unit. Tiled floor and walls, downlights, radiator and opaque window to the rear.
Dining Room
3.92m x 2.88m
12'11" x 9'6"
Off the kitchen and with plenty of room for a large table and chairs plus a workstation. Carpet, modern light fitting, radiator and window to the rear decking.
A carpeted staircase with wooden balustrade winds to the upper hallway which has a ceiling light and a Velux to allow natural light to stream in. Leads to the master bedroom and the second bathroom.
Master Bedroom
4.58m x 3.86m
15'1" x 12'8"
Spacious room with 2 Velux windows, one of which offers truly stunning views of the Firth of Clyde and beyond. Carpet, ceiling light, radiator and space for bedroom furniture. The current owners have made clever use of the Storage Area (2.72m x 1.62m / 8'11" x 5'4") making it a useful part of the bedroom; this area has another Velux window.
Bathroom 2
2.96m x 2.14m
9'9" x 7'1"
Adjacent to the master bedroom, the bathroom has a modern white suite of bath with electric shower and glass screen, WC and wash-hand basin. Part-tiled walls, light grey wood-effect flooring, ceiling light, downlight, chrome heated towel rail, extractor and Velux window.
Absolutely stunning! Situated on a corner plot and, as such, a very generous size. The front garden has been beautifully landscaped and is not only aesthetically pleasing with an abundance of colourful plants, trees and shrubs but also practical with seating areas. A south-facing summer house at the side provides an enjoyable place to relax and the decking area at the rear is a suntrap, set in complete privacy.
Driveway and Garage
A driveway off Dhailling Avenue flows to the single garage at the rear of the property.
EPC rating: C.


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good news, opera mini mod 4.2 has released a new version again. "opera mini mod 4.2 test 16". and this newest version has been translated by MENPDA into english. like his previous versions, this opera mini mod 4.2 test 16 has so many features, or exactly has some more features than his previous versions. some of the features are
- download block, which lets you to download some files at the same time by adding links into download list first
- file manager, you can play media files, including video, view pictures, hide files, add or edit text, hex data, etc
- multy window
- shortcut that editable
- multy clipboard
- control back light
- shadow browsing that is recommended for sony E. users
- auto complete address
- own color skin maker
- copy and paste text screen/page
- screen shot
- option for sending sms
- ability to show url of selected link (you can also copy the url)
- syncronization
- hystori of google search in the google search coloum
- import/export pages or text just like you intend to
- import/export bookmarks
- and some more
if you do not have it yet, click the link below to get it soon
opmod 4.2 test 16 english by menpda.jar
operamini mod 4.2 test 16 handlerui 200.jar
Home » Browser » Handler-app » Java-phone-browser » Opmin/mod handler » Opmod 4.2 » S60v2 browser » OPERA MINI MOD 4.2 TEST 16 ENGLISH AND OPERA MINI MOD 4.2 TEST 16 HANDLERUI 200 ENGLISH views
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Customer Service
When you start building a company, the first thing that you will need is the customers that you can rely on, and the problem may occur in this early stage. Acquiring customers is not an easy task, but one can make it happen with an effective marketing strategy.
This is the article where I talked about the top 5 services offering same-day letter delivery. Same-day deliveries can be quite convenient especially when it's something urgent.
Sending thank-you notes to your customers or clients is a great way to show that they matter to you and to your business, and a handwritten note sends an even stronger message and can further strengthen your relationship
Even without dedicated customer support staffs and a big budget, bootstrapped startups can nonetheless provide and execute the kind of CX (Customer Experience) that most big establishments dream of.
Customers are like babies. They want all the attention of the business provider, whenever they feel like interacting. Moreover, with the on-going trend of personalization, customers want to connect with the business anytime at their convenience. BPO services work best for this purpose and satisfy customers' demands.
Customs clearance is a process which involves complying with the import and export regulations of a country. However, handling the customs process on your own is not an easy task as it is a complex procedure. This is where customs clearance company steps in. It will make sure all the goods reach the destination in a safe and timely manner.
It has always been said and believed that delivering the best customer service is the key to attain success. Meeting your customers' expectations serves as the best tool to not only win their trust and confidence but also create a niche over your competitors in the market.
Building a strong relationship with the customers is a tough task as there is little or no information available about the customers in a real-time scenario. This is where speech analytics software can play a major role.
A business who can manage its customer relationship well has more chances of becoming successful. A customer relationship management (CRM) is the most efficient and strongest approach to maintain and create a relationship with your customer.
The businesses, these days, are continually focusing on improving their Customer Relationship Management (CRM) strategies. One of those important steps that are being taken by almost every business firm is availing the services offered by various contact centers in the market.
A script is completely unhelpful if it is way too long or which makes finding information a hassle. Call center companies use scripts to streamline the conversations; whereas if the script itself is complex then the agent would have to put the caller on wait to find the information which would waste time of both, the caller and the agent.
Speech analytics technology has existed in the market for over a decade now. But, there are still many companies that do not understand much about the technology.
As a business manager, you know very well the importance of customer loyalty for sustaining your enterprise. To ensure the steady inflow of profitable business from them, you have to shape their perceptions positively in favor of your organization.
Many people believe that outsourcing provides an innovative approach to control your people. Furthermore, the label outsourcing was proven to be used for too many distinct kinds of exchanges in many ways. Since then, Call Center Outsourcing trends have indicated that it is one of the most effective ways of cutting down costs.
These are a number of other trends which are creating their own value in the Business Process Outsourcing industry. Here we bring you some of the most relevant ones that you should know.
When your support team interacts with so many customers, they need to remember that they will not be able to keep them all happy and satisfied. Whether it's a customer who had a bad day, which is causing them to be rude to you or a customer with very high expectations, your agent can not help them all.
As we know, we are living in a satellite era and everything is based on technology these days. In an organization, most of the concepts are based on technology. An organization faces many internal and external risks, such as high competition, failure of technology, inflation, recession, and change in government laws.
Virtual Assistants are the saviors of small business owners and many business people. They save your money, time and resources. VA helps you to earn more by working less by managing your work efficiently. But apart from this do, we know much about them or what they can offer to us?
Founded in 2009, Uber started its journey as a transportation network company that utilized licensed taxi drivers for its ride-sharing services. The main idea behind the business was to integrate a mobile app to connect the passengers with drivers to hire a taxi.
Whether home or office, relocating has in fact become a necessity in today's world. No doubt everyone seems to be moving from one place to another in search of a high standard of working environment, an office building with lesser rent, a strategic location, and the list just does not come to an end.
Speech analytics technology will help in identifying those calls which require immediate attention instead random sampling of calls due to which, agents will get better trained also be beneficial to resolve disputes.


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Concerns with Mainland China's IPR Regime Highlighted in Annual Report
29 April 2019
The Office of the U.S. Trade Representative released on 25 April its latest Special 301 report on intellectual property rights enforcement. Eleven economies – mainland China, Algeria, Argentina, Chile, India, Indonesia, Kuwait, Russia, Saudi Arabia, Ukraine and Venezuela – are listed in the Priority Watch List for 2019, down from 12 economies a year ago (reflecting the move of Canada and Colombia to the lower-level watch list as well as the addition of Saudi Arabia). While most of the 25 countries under regular watch list status were unchanged from the previous year, Paraguay was added to that list and Tajikistan was removed. No country was listed as a Special 301 priority country, the rarely-used highest Special 301 level.
Countries eligible for the Generalised System of Preferences are at risk of losing GSP benefits if they are listed as a priority country or remain on the PWL for many years, but the penalty for non- GSP countries is less specific. USTR stated in a press release that it will "review the developments against the benchmarks established in the Special 301 action plans for countries that have been on the Priority Watch List for multiple years." For such countries that fail to address U.S. concerns, "USTR will take appropriate actions, such as enforcement actions under Section 301 of the Trade Act or pursuant to World Trade Organization or other trade agreement dispute settlement procedures, necessary to combat unfair trade practices and to ensure that trading partners follow through with their international commitments."
USTR indicated that high-level discussions between the United States and mainland China on intellectual property concerns are on-going. "High-profile statements in support of IP and innovation" by mainland Chinese government officials "are no substitute for real structural changes to address shortcomings" in mainland China's IP system, "which cannot be excused by the country's stage of economic development," the report noted. The United States believes that mainland China's placement on the PWL reflects the urgent need for fundamental structural changes to strengthen IP protection and enforcement, including as to trade secret theft, on-line piracy and counterfeiting, the high-volume manufacture and export of counterfeit goods, and impediments to pharmaceutical innovation.
USTR has taken action under Section 301 of the Trade Act of 1974 to address a range of unfair and harmful conduct, including technology transfer requirements imposed as a condition to access the mainland Chinese market. The United States also initiated dispute settlement proceedings at the WTO to address discriminatory licencing practices and further contends that structural impediments to administrative, civil and criminal enforcement continue to undermine IP protections, as do certain information communications technology, IP-ownership and research and development localisation requirements.
The report's full nine-page section on mainland China reiterates concerns voiced in prior reports. U.S. authorities claim, for example, that despite a broad government reorganisation (including of IP responsibilities among government agencies) and proposed revisions to IP laws and regulations mainland China has "failed to make fundamental structural changes to strengthen IP protection and enforcement" and has continued to interfere in private sector technology transfer decisions. The report is also critical of gaps in the scope of IP protection, stalled legal reforms, weak enforcement channels, investment and other regulatory requirements that pressure for technology transfer, discriminatory licencing restrictions, and unauthorised intrusions and theft from computer networks of U.S. companies to obtain unauthorised access to IP.
While recognising certain progress and the reorganisation of IP-related agencies in March 2018, USTR nonetheless expressed concern about implementation, noting that "given their recent completion, it is too soon to determine whether these efforts to reorganize and centralize administration and enforcement of IP will be positive for right holders." There have been some positive judicial reforms of IP court structures, including the establishment of three Internet courts as well as a new appellate tribunal within the Supreme People's Court (known as the SPC IP Court) with jurisdiction over appeals from lower courts in technically-complex IP cases as well as appeals of certain enforcement decisions. Despite these advances, U.S. firms report that procedural obstacles to appealing decisions of the CNIPA Trademark Adjudication Board to the Beijing IP Court may discourage appeals. Firms also continue to report that burdensome thresholds for criminal enforcement, onerous evidentiary requirements, lack of means to require evidence production, insufficient damage awards, and lack of deterrent-level statutory damages and criminal penalties all undermine the effectiveness of the court system. A broader concern is that intervention by local government officials, party officials and powerful local interests undermines the independence of the courts.
The transshipment of counterfeit goods from mainland China through Hong Kong is also addressed in the report. According to USTR, the Hong Kong Trade Description Ordinance prohibits imports and exports of goods bearing counterfeit marks but specifically excludes "goods in transit." This ostensibly creates an opening for illicit actors to ship counterfeit products through Hong Kong unhindered. USTR added that the growing number of small commercial parcels moving through international mail and express facilities presents challenges in the fight against counterfeiting and piracy in FTZs. According to U.S. Customs and Border Protection, small shipments now represent a majority of all IP-related seizures, adding to the difficulty of enforcing IP in transit hubs.
A recent study by the Organisation for Economic Co-operation and Development and the European Union Intellectual Property Office noted, in reference to Hong Kong, Singapore and the United Arab Emirates, that "fake goods arrive in large quantities in containers and are sent further in small parcels by post or courier services." USTR noted that "parcels containing counterfeit clothing and textiles are frequently mailed to developed economies from 'transit points' like Hong Kong and Singapore, both prominent FTZs."
- Technology
- Licensing
- North America


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|Job Title
|Corporate Tax and Transfer Pricing Director
|Contract Type
|Contract Duration
|Corporate Tax,
|£100000 - £130000 per annum, Benefits: Bonus and fast track prospects
|Job Published
|5 days ago
|Our Reference
|Who to Contact
|Medet Ali
|Contact Email
Build a new service line and advance to partner at this fast growing practice.
This is one of our most impressive clients with a growth rate that is matched by few professional service firms in London. The corporate tax team has seen double digit growth and looks set to double in size over the next few years. This has meant first class growth opportunity for its existing and external hires, many of whom have gained immediate promotion on joining or have achieved promotion in a 12-24 month period.
The head of tax is a highly approachable individual who has a clear vision for his team and what he wants to achieve. He has an entrepreneurial attitude and likes to give people the freedom to develop.
The partners pride themselves in their commitment to investing in new ideas, new talent and new approaches. The senior partners have a process in place that allows employees to discuss ideas and contribute with suggestions on anything and everything. Staff feel involved in their environment and are happier, more productive and stick around longer.
The corporate tax team is a highly valued part of the business and the firm is best described as a tax driven practice. This is not a "traditional accountancy firm", but a modern business. Tax professionals are not second class citizens, but a vital part of the firm's success.
Clients include UK owner managed businesses, cross-border multinationals, banks and venture capital institutions. The corporate tax team deals with all aspects of tax structuring, exit planning, reorganisations, refinancing, TP, withholding tax, double tax treaties and a range of other tax areas.
The role will involve you developing the transfer pricing offering within the business, which will allow you to position yourself as the TP lead and build the business case for partner.
Want to know more? Contact me for more details on this position.
Why trust us with your career?
We have assisted a long list of people with trust and private client tax backgrounds move to niche consultancies, Big 4 firms and even international locations.
We know you don't want to waste your time with recruiters who don't know what you do or pressure you into roles you have no interest in.
We can use our contacts and knowledge to ensure you secure the best role for you and your career.
Contact us on a no obligation basis and decide whether you would like to work with us.


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And the winners are…
During our gala at Bio Rio six awards and three honourable mentions was handed out. Congratulations to all winners!
The Winners are:
Tempo Documentary Award
I Stop Time by Gunilla Bresky
Honourable mention Tempo Documentary Award
Freak Out by Carl Javér
Stefan Jarl International Documentary Award
Stop the Pounding Heart by Roberto Minervini
See the jurys motivation
Honourable mention Stefan Jarl International Documentary Award
Salma by Kim Longinotto
See the jurys motivation
Tempo Short Award
Dawn in a City Without Name by Knutte Wester
New Doc
Still Born by Åsa Sandzén
Honourable mention New Doc
Männen från Vidsel by Sven Blume
Short Dox Radio
Vänner by Juana Ouwasu
Tempo Pitch
Director: Lisa Partby
Producers: David Herdies and Kerstin Übelacker


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Ann Jocelyn is a qualified yoga teacher and therapist in the tradition of T.K.V. Desikachar. Ann is registered with the Australian Association of Yoga Therapists.
Ann has practised yoga and taught yoga on Waiheke Island for many years. Her particular interest and ongoing training is in adapting the tools and techniques of classical yoga to meet the individual needs and capabilities of her students, using the breath as the guide.
In both group and private classes, students are encouraged to work at the level appropriate to them at that time, linking body, breath and mind. Each class is designed to release tension, increase flexibility and over time, to develop strength in body and mind.
With regular practice, students often develop a greater awareness of their physical and mental capacities and an increased sense of self acceptance.
For enquiries contact Ann:phone: 372 8724mobile: 021 216 7752email: firstname.lastname@example.com
Tuesday morning, by appointment onlyThursday morning, waiting list, please contact Anne
Body, Breath and Mind
A general class in the tradition of Desikachar. Uses asana, pranayama and reflection to release tension, increase flexibility and develop strength in body and mind. Some previous yoga experience preferred.
Yoga for Seniors
If you can breathe you can do yoga! This class is excellent for maintaining mobility and a sense of well being. It is also suitable for people with chronic conditions subject to the advice of their health care practitioner.
Classes on Waiheke Island are at the Morra Hall, in the Meeting Room around the back, a 2 minute walk away from the main village area in Oneroa, Waiheke – 115 Ocean View Road, Oneroa, Waiheke.
Both buses, no. 1 and 2, stop right outside The Morra Hall.


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Condo for Sale PALM PAVILLION [HH 12052]
Condo for Sale PALM PAVILLION [HH 12052]
Palm Pavilion, a luxurious condominium, stands in front of a quiet beach only a few minutes from downtown Hua Hin. Set amidst a tropical landscaped garden offering great sea views, the Palm Pavilion Condo has a swimming pool, fitness centre, management office, sauna and secured parking. The main entrance is guarded and each building features 24 hour security. The complex is landscaped with expansive green lawns, flowers and mature trees and the famous Sea View infinity pool overlooks the sea with spectacular views from the sun deck and pool.
This beautiful sea view condo is located on the 11th floor of the beach front building. The total size is 120 sqm and it comes with two bedrooms, two bathrooms and a spacious living area. The master bedroom is furnished with an authentic, antique Thai canopy bed, wardrobe and cabinets. The large sliding glass doors open to a large private balcony overlooking the Gulf of Thailand. The 2nd bedroom features a queen size bed and large mirrored closets. The full length, custom made rattan folding doors create an open feeling and provide gulf views. Both bedrooms feature en-suite bathrooms with top-line fixtures and fittings from American Standard, black and white tiles and granite decoration. The master bathroom also comes with an oversized granite countertop, with above counter lavatory, running the length of the room and a tempered glass shwer enclosure with "rain shower".
There are two large balconies off the living room and master bedroom – both overlooking the Gulf of Thailand. Views are to the south towards Hua Hin town and the Royal Palace grounds. Both balconies are furnished with reclining lounges and 4 place dining table and chairs.
- 120 sqm total area
- 2 bedrooms
- 2 bathrooms
- kitchen
- on the beach
- fully furnished
- 2x balcony w. sea view
- great rental potential
- 2x swimming pool
- private parking
- 24 hrs. security
Included with the unit
|Common Area


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3 bedrooms - 1 Queen, 2 singles, 1 x bunk (2 singles). Excellent quality seaside home, featuring 60's inspired contemporary retro decor, central open plan living/dining/kitchen, floor to ceiling windows. Other features include air/con, cosy fan forced open fire, TV, DVD, microwave, dishwasher, washing machine, hot & cold outdoor shower, 2nd toilet powder room with laundry, gas BBQ, outdoor setting with large yards, rear yard fully fenced.
Peak $1550
Shoulder $1085
Off Peak $850
2 Nights $410
Extra Night $155
For Queenscliff Music Festival & Hot Rod Show rates, please contact our office


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Would you like the mini-cube to visit your daycare center ?
The mini-cube is touring daycare centres, bringing an exceptional interactive experience to students. You can learn the basics of healthy eating at the Eat Better workshop, and join the peloton in the exciting Get More Active workshop.
* Program available in Québec at this timeWrite to us
There are no upcoming visits in your region.
All next stops
There are no upcoming visits.
There are no upcoming visits.


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Fabric Shopping
Life beyond Quilter's Cotton
Ever wanted to know what fabrics beyond quilters cottons work well in a quilt? Well, let's take a tour of a fabric store and I'll show you many of my favorites and some of the tricks and techniques to achieve a better functioning or more interesting texture in your work.
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Home Decor using stamping supplies
Altenew Education Certification Program level 2 challenge
Here it is....the final challenge of level 2. So far I have taken 20 Altenew Academy classes and made 37 cards. This has been a really great experience to improve my card presentation and to learn different techniques. For this challenge I had to make a home decor project using inspiration from some of the 20 classes I have taken. I decided to make some prints in the spirit of John Audubon's nature prints. I had been planning on purchasing some Audubon original book plates but these are really expensive. The book plates have really simple images and have just a flower or birds with the species name in typeface. Altenew stamp sets have beautiful detailed images that I thought would work great for this project. Read on for how I put together these home decor pieces. If you have questions on the Altenew Educator Program, please let me know as I would be happy to talk about my experiences so far. I've included affiliate links in this post for the items I used to make these pieces. If you use these links to purchase the items, I may get a small commission at no cost to you. Thank you for your support.
Color theory in action
Altenew Color Your Day
Color as a focal point
In the mood for color
For the latest installment of my Altenew Educator Certification Program, I was inspired by a class called, In the Mood for Color. In this class, the instructor discussed how different colors evoke certain moods, I wanted to explore this so I made two cards that contain the same elements and design but in different colors. I chose yellow which signifies energy and blue which signifies calm. I used Altenew Peony Bouquet stamp set to build the flower which will be the main design element on the card. Please read on for how I assembled this card. And leave me a comment about which color you like the best.
Using inking as a focal point
Building a scene
AECP Build a Scene Class
Using Layering Stamps
All About Layering 2
Altenew Educator Certification Program
Altenew July Challenge
Welcome to Seven's Crafts and thank you for stopping by. I am a mom, teacher and avid paper crafter. I hope these posts will leave you feeling inspired and ready to do some crafting.
August 2020


text: Thursday, March 20, 2014 By Samantha Kluesner ~ Scott County Signal HAVCO Wood Products employs 225 people and is on the verge of hiring 50 more to accommodate demand for its products, but it could be doing even better without so much government regulation, its chief executive officer said Wednesday. "If we could get D.C…. Read more »


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- Size From: 21.3mm
- Body: 316ss/EPDM
- Pressure Range: 0 - 32 BAR
From $205.00
The Teekay Repair Coupling is available in a range of sizes and materials. Contact Dewater Products Pty Ltd for more details.
To determine the size of coupling/clamp required, please measure the pipe outside diameter.
Help other Dewater Products Pty Ltd users shop smarter by writing reviews for products you have purchased.
From $205.00
From $149.00
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From $495.00
From $220.00


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The Asia Reassurance Initiative Act showed growing US interest in further deepening ties with India amid common worries over the rise of China, said analysts.
They said the new law could even lead to enhanced military cooperation, including in the sale of defence equipment to India.
The Act "calls for the strengthening and broadening of diplomatic, economic and security ties between the United States and India" and "recognises the vital role of the strategic partnership between the United States and India in promoting peace and security in the Indo-Pacific region".
Indian Defence Minister Nirmala Sitharaman, in a tweet, highlighted parts of the law, including how it termed the "designation of India as a major defence partner" as "unique to India".
The Act noted that this designation in 2016 "elevates defence trade and technology cooperation between the United States and India to a level commensurate with the closest allies and partners of the United States".
Analysts said that the new US legislation was reassuring for India as US President Donald Trump seemed to remain constant on closer ties with India.
"For India, I personally think every time the US makes a statement it reassures India that Trump is not abandoning India amid unpredictability with its other close strategic partners," said former foreign secretary Lalit Mansingh.
"The US has two important interests in deepening ties with India. First to meet the potential threat of China and looking for a counterbalance (in India).
"Second is India as a market for US military technology."
Defence analyst P. K. Ghosh said: "The law is a reflection of closer ties which are being put on a firmer footing."


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Mother in Law Gifts
10 Things to Consider When Buying a Mother-In-Law Gift
Shopping for a gift for your mother-in-law? Of course, you want it to be perfect. Keep these ten things in mind while shopping for the perfect gift for her!
1. Always be respectful
The most important thing to keep in mind when getting a present for your mother-in-law: Be respectful! Now, of course, it is never anyone's intention to be disrespectful when purchasing a gift, but the fact is that that can sometimes happen by mistake.
Instead, make sure you are getting her a gift that she will enjoy and won't make her uncomfortable.
Think about what she would want to receive as a gift, not what you would like to receive! When in doubt, check with your spouse for assurance that you are on the right track!
2. Give the gift of an experience
No matter your budget you can pick something that she is sure to enjoy- dream as big as a weekend getaway trip, or pick a nice restaurant to take her to lunch. It isn't about the money spent, but the time spent together!
3. Compliment her hobbies
Does she enjoy cooking or gardening? Travel? Think about her favorite thing to do, and get her a gift that will help her with that.
You are guaranteed that she will like the gift, and it shows that you know about her and took the time to find her something she will actually like (and not just the first thing you saw at the store).
4. Help her relax
Who doesn't need to find more time to relax? This is always a great gift idea that any busy mother-in-law is sure to benefit from.
From an at-home spa set to scented oils, candles, and more, there are so many options to choose from, and she is sure to love them all!
5. Join in with family
Don't feel like you have to figure out the perfect gift on your own, join with your spouse and the rest of her family to come up with ideas or to pool your resources to get your new mom a really nice gift that she will appreciate.
6. Never re-gift
Your mother-in-law remembers everything! If you have an old gift laying around, unless you are 100% sure you did not get it from her, do not give it to her as a present!
That is a major error in any situation, but especially when it comes to your mother-in-law. The last thing you want to do is end up on her bad side!
7. Be careful with clothing
The last thing you want to do is offend your mother-in-law. With that said, if you are not sure of her clothing size, consider getting her something else.
You do not want to run the risk of getting her something that doesn't fit, which will make her (and you) feel terrible.
8. Bond with her
Consider getting her something that she can enjoy with you - that way she is getting two gifts in one - the gift itself, and the time with you! Say you get her a recipe book, make the effort to go over one day and cook with her!
That will make the gift that much more thoughtful (and definitely earn you bonus points!)
9. Jewelry is always great
You can't go wrong with buying woman jewelry - you just can't! If you have totally run out of ideas to get for your mother-in-law, consider getting her a nice piece of jewelry.
Make sure you get her something she will wear - don't buy her earrings if her ears aren't pierced!
If you aren't sure of her size for a ring or a bracelet, either ask a family member or go with something like a necklace or earrings where size isn't as important.
10. Splurge for her
Does your mother-in-law never spend money on herself? Is there something she has always wanted or hinted at? Now is the time to pick up those hints!
Get her that fancy perfume or dress that she would never buy for herself - not only do you know she will enjoy it, but she will also appreciate that you remembered and were paying attention to her when she was discussing items she likes.


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You are keeping your writer's log aren't you? I have read some interesting comments and insight. Thanks for sharing them with me/us.
Writing a successful story asks for different aspects to be taken into consideration. We will start from building up "credible" characters, so realistic and vivid the reader's "disbelief" will be suspended (to borrow Coleridge's words!).
Let's start off with Kambili's Papa. Let's see what mental picture you got of him out of the excerpts we read and responded to together. This is how I imagine him.
Tough to imagine the kind of upbringing Papa had been subjected to. No "well-done" had ever left his father's lips. Words resounded like whips, there was no belief in sugar-coated words, such as "sweet heart", or "well-done, honey", or "congratulations my boy", never to mention the absolutely forbidden expression "I'm proud of you". His father's belief was "harsh ways will turn you into a man of success". That harshness, that hearth deprived of any warm sense of affection, certainly turned him into a man before his time and possibly contributed to him becoming a man of success. He toiled over his books and had to walk miles and miles to go to school, in the blistering sun and certainly not wearing the comfortable shoes he could afford for his children. He was undoubtedly better equipped than they because he could rely on himself only. His parents could not afford the best school for him and they could never help him, they were too busy at work. Instead his children had everything they needed, they had comfort, they had a wonderful house to live in, good food and most of all the guarantee of a top-notch education. No need to work to study, this was an advantage and privilege he had not been granted. He had to make sure not to be too soft with his kids. They had to succeed, they had to be the best. They had to be smarter than other kids, they had to be exceptional representatives of Papa's success. He was a man of responsibility. He had to be tough for his children's sake. Sweet words do not give you food. Sweet words do not let you climb up the social ladder. Sweet words do not gain you people's respect. God invested him with that conviction. He was tough because God made him tough, so it was God's will and he could not possibly go against the Almighty's plans for him. You straighten a tree when it is still a sapling. His children were saplings and it was his duty to straighten them up.
Cristiana Ziraldo
This is the pdf file of the activity of "Purple Hibiscus":
creative activity on Purple Hibiscus
Then, the task is to write a poem hinging around the feeling of sadness, to sympathise with Kambili's personal lot and sorrow.
Looking forward to reading your "depths of sorrow".


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A teenager has been charged with animal cruelty after an Instagram video was posted of a cat getting thrown from a third-floor balcony.
The distressing footage, which emerged over the weekend, allegedly shows Tikeemah J. Lassiter swinging the cat inside a home in Newark, New Jersey.
Suddenly, the 19-year-old tosses the cat out of a balcony window and sends it flying across the air.
It lands three stories below onto a sidewalk by a main road and is visibly stunned. The cat doesn't move. It appears injured but conscious.
Meanwhile, two women can be heard in fits of hysterics.
The alarm was raised by a concerned member of the public who saw the video and was distressed.
Lassiter was arrested on Saturday and charged with animal cruelty, reports NJ.com.
The accused, who lives in Clinton, is believed to have been visiting relatives when the incident took place.
The cat, which does not belong to Lassiter, survived and has been placed in the care of the New Jersey Society for the Prevention of Cruelty to Animals.
Officials say this is a temporary measure while the cat gets checked out by a vet.
It's been reported New Jersey Transit Police had previously issued a $10,000 arrest warrant for Lassiter over an alleged assault.
According to New Jersey animal cruelty laws, anyone who intentionally brings harm to a living creature can be fined up to $2,000 or even face a maximum prison sentence of six months.
On a side note, many people in the state of New Jersey may not be aware they have a legal obligation to stop if they knowingly hit an animal while behind the wheel.
Law states they must get in touch with the nearest Society for the Prevention of Cruelty to Animals and give his/her name, address, operator's license and registration number, as well as the location of the injured animal.
Citations: NJ.com


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Despite only turning 14 in November, Faye was selected by finishing in the top 3 in the 14-18-year-old Jazz dance category.
The audition took place at the world famous Pineapple Dance Studios in London and was against the best dancers from all around the country.
Well done Faye, we are so proud of you!


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RD Position Benefits
Residence Director: $28,000 (12-Month Contract)
Relocation Assistance
Residence Directors typically receive up to 100% of relocation services.
Spousal and Domestic Partner Benefits
All legally married spouses of Residence Director are eligible for health, dental and vision insurance as well tuition assistance. Domestic partners (same-sex and opposite-sex) of Residence Directors are welcome on campus and encouraged to become part of the MSUB family. Although state benefits are not offered, there are several benefits including access to the university fitness center, housing, dining hall, etc.
Residence Directors are considered live-in professionals and are provided a live-in apartment. The apartment can come furnished at any level the RD wishes.
MSUB Housing & Residence Life supports a pet friendly living environment for live in staff.
Schedule Flexibility/Vacation
We know that residence directors work varied hours and our department works hard to ensure the highest quality of life by creating opportunities for staff to be flexible with weekly hours and vacation periods.
Professional Development
Professional development is a critical component of the RD position at MSUB. Residence Directors will automatically receive membership within the Association of Intermountain Housing Officers (AIMHO) and the Association of College & University Housing Officers International (ACUHOI). Professional development funds are offered for conference attendance (full travel and registration), other association memberships, books and other professional development opportunities as approved by the Associate Dean of Students. In some cases, staff may be asked to create a proposal to secure funds. Presentation at conferences and joining association executive boards/committees is highly encouraged by MSUB Housing & Residence Life. Current staff serve in the following roles:
Healthcare, Dental, Vision, Retirement, etc.
Outstanding MSUB benefits include health, dental, and vision insurance plans; life insurance and disability programs; state and optional retirement plans, and access to MSUB recreation and cultural activities.
Learn More About MSUB
Housing & Residence Life Home
Have A Question?


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What's a Prosumer Camera?
Prosumer Cameras are Designed for Avid Photographers
A prosumer camera is one that has professional features, but falls within the price reach of enthusiastic consumers. Hence, the name "pro-sumer."
In compact cameras, the term usually refers to cameras that provide manual exposure controls in addition to point-and-shoot automation and may offer advanced features such as super zoom. In DSLR cameras, it usually refers to those that have more advanced features such as weather-sealing and faster performance. Prosumer cameras are geared toward photography enthusiasts who are willing to pay more to get the best quality photos.
Here's a run-down of some of today's popular prosumer cameras and how they differ from entry-level options.
(Image of Canon EOS 7D prosumer DSLR camera provided by amazon. See link below.)
What's the Difference Between a Prosumer DSLR and other DSLRs?
Many professional features for less than the cost of a pro camera
A good professional camera can cost thousands of dollars for the body alone, and lenses can often exceed the cost of the camera itself. A prosumer DSLR is a good alternative to these pricey pro setups.
A good prosumer DSLR has many of the features that professionals cameras have - more focal points, faster burst rates, better low-light performance, weather sealing, and a host of manual controls. Some even offer full-frame sensors rather than the APS-C sensors found in entry-level and some prosumer cameras. But you get all of these top-notch features for much less than you'd pay for a pro camera. And you can still use professional-quality lenses on a prosumer model. Unfortunately, there's no alternative to the high price of pro lenses made by the camera manufacturers. To save money on lenses, you'll need to look to brands such as Sigma, Tamron or Tokina, who make lenses for the major manufacturers.
Prosumer DSLR Cameras
Popular prosumer choices from Nikon and Canon
Canon and Nikon are the world's leading DSLR camera manufacturers. Here are popular prosumer DSLR models from these two brands.
Canon EOS 7D 18 MP Digital SLR CameraCHECK PRICE
Nikon D600 24.3 MP Digital SLR CameraCHECK PRICE
Nikon D300S 12.3MP Digital SLR CameraCHECK PRICE
Canon EOS 60D 18 MP CMOS Digital SLR CameraCHECK PRICE
What's the Difference Between a Prosumer Camera and Other Compacts?
A great backup to a DSLR and advanced features
Compact prosumer cameras can be a great asset in a photographer's toolkit because they're smaller and lighter to carry, as well as being less obtrusive. Some of the newer models offer DSLR-type styling, while others can fit right in your pocket. They're an excellent choice for hobbyists who want to move up from an entry-level point-and-shoot, but aren't quite ready to tackle a digital SLR.
Compact prosumer cameras often have advanced features such as RAW file format, white balance control, and manual exposure options. They may also have superzoom capabilities, allowing you to get closer to the action at a fraction of the cost of a professional telephoto DSLR lens. Today some of the best prosumer compact cameras are mirrorless models that contain APS-C sensors, the same size sensor found in most entry-level and prosumer-level DSLR cameras.
Popular Prosumer Compact Digital Cameras
A variety of features available in a smaller body
These compact cameras are small in size, but have features you won't get on entry-level P&S cameras, such as DSLR-sized sensors or super zoom. Click any image to learn more about each model.
Canon G1 X 14.3 MP Digital Camera with 4x Wide-Angle IS Zoom Lens and 3.0-Inch Vari-Angle LCD
Panasonic Lumix DMC-GF3CT Kit 12.1 MP Digital Camera with 14mm Pancake Lens
Fujifilm X100 12.3 MP APS-C CMOS EXR Digital Camera with 23mm Fujinon Lens
Leica 18191 V-LUX 4 12.7MP Compact System Camera with 3.0-Inch TFT LCD
Olympus PEN E-P2 12.3 MP Micro Four Thirds ILC Camera with 14-42mm Zuiko Digital Zoom Lens
Nikon 1 V2 14.2 MP HD Digital Camera with 10-30mm & 30-110 VR 1 NIKKOR Lens
Prosumer cameras are great for consumers who want better quality without the price tag of a professional camera.
Other Pages You Might Enjoy - More photography articles by lisadh
Superzoom or DSLR? Selecting One That's Right for You
If you're thinking about upgrading from a simple compact camera and are torn between a superzoom and a DSLR, your quandary is not surprising. Both offer adva...
Ideas for Self Portraits
Photographers are usually most comfortable behind the lens, focusing their camera on other people and subjects. But taking self portraits can be a lot of fun...
How to Remove a White Background From an Image
Photoshop Elements is one of the most popular photo editing and organizing programs on the market, and it offers an incredibly easy...
Why Underwater Disposable Cameras Aren't the Cheapest Option
Film cameras haven't quite joined 8-track tape decks in the pile of obsolete consumer products, but most people have abandoned film in favor of more advanced...
Why the Contour ROAM2 is a Great Camcorder for Moms
You've probably seen commercials advertising "sports cams" or "action cams," those tiny camcorders that athletes and adventurers like to ...
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Home >> Daily News >> ASEAN STOCK WATCH
ASEAN Market Outlook
By Shayne Heffernan Ph.D.
Bernanke is scheduled to address a conference of central bankers in Jackson Hole, Wyoming, and market participants are waiting to see whether he will announce new measures to boost growth. The Fed chairman is expected to feed expectations for a third round of quantitative easing, though he could keep markets guessing about the timing.
Yesterday in Asia
Shayne Heffernan Ph.D.
Linda Johnson, Business Development Director - Private Client Group, Heffernan Capital Management
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WWE legend Sting wants to return for one more match against the Undertaker before neck surgery
The 58-year-old announced his retirement in 2016 due to injury but has admitted he has been holding off neck surgery
WWE Hall of Famer Sting has got wrestling fans in a frenzy by admitting he would like one more match with The Undertaker.
The 58-year-old has not appeared inside the ring since he lost to Seth Rollins at the Night of Champions pay-per-view in 2015.
During his unsuccessful attempt to win the WWE world title, he suffered a legit neck injury but was able to complete the match.
The following April he announced his retirement for wrestling as he was inducted into the Hall of Fame.
However, the legend has previously spoken about a potential match with WWE icon the Dead Man.
And during an appearance at the Wales Comic Con in Wrexham last weekend, he revealed he has held off having an operation on his neck as he admitted his desire to fight Taker.
Sting said: "I have never said 'one more match' ever. I'd like to have one more match, I'd like to have that Undertaker match.
"The only reason I held off on the surgery is because I had guys like Stone Cold saying don't do it.
IT'S A SHAM WWE legend baffled why Vince McMahon has not offered him a return
"I don't have any side effects? I can still work out and it doesn't bother me, I don't get a sore neck from sleeping or anything so why would I get surgery? If you don't need it, don't do it."
During the Monday Night Wars back in the late 90s, Sting was one of the biggest names on the WCW show.
Despite several attempts from Vince McMahon, he also refused to jump ship and join WWE and even resisted them for over a decade after they put his former employers out of business.
After years of anticipation he eventually signed with WWE in 2014 and went on to have an epic match with Triple H at WrestleMania 31, followed by his feud with Rollins later in 2015.
Discussing what creative control he had during his period with the company and what he wanted to do but never got chance to, he fanned the flames again of a one-on-one dream match with The Undertaker.
Sting said: "I'm sure that there is plenty that I wanted to do like the Taker match for example.
"As for things that I didn't want to do - I just didn't do them. If I didn't wanna do something I would find an alternative, better thing to do.
"I don't think they really had any plans to be honest. I had my plans, I wanted that match with Taker and would have done my best to make it happen."
Undertaker, 52, also seemingly announced his retirement after his loss to Roman Reigns at this year's WrestleMania in April.
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But despite the ages of both men, fans would love to see two of the biggest superstars in wrestling history get it on.
So McMahon, on behalf of everyone - MAKE IT HAPPEN!
Quotes from the event were provided to WrestlingInc.com by @paperchampions.


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Ready for some serious cruising? Watch the Rivamare seamlessly sprint, twist and turn through the water.
With her D6-400 DPH Volvo Penta sterndrives, she can hit a breezy 40 knots.
Since her debut at the Cannes Yachting Festival, she's been the talk of the town. Rivamare has timeless style with her low, aggressive profile. But the Rivamare isn't just pretty, she's a performer, and features a galley, berth and head for overnight adventures.


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Today on Radio Riel we'll be playing some classic pieces from the great British production music libraries of the 1930s through to the 1960s — such as Chappells, KPM, Francis Day & Hunter and others — that was used for newsreels, radio series themes and interludes, and later for television. It's music for a purpose — whether its to create a mood, start the show, or even sell a product. Some of these classic pieces have remained in listeners' memories for well over half a century.
In addition we'll hear what some of those artists did for the "day job", as they were often some of the leading composers, dance bands and light orchestras of the age. So we'll be hearing from the likes of Henry Hall, Jack Parnell, Sydney Torch, the Queen's Hall Light Orchestra and Ted Heath. And of course, no Light Music show would be complete without the music of Eric Coates.
We'll also be hearing some classic library pieces of the past, recreated live by the KPM All Stars, and a number of modern light music recordings by Gavin Sutherland, who has probably done most to re-record classic examples of the genre and bring them back into the public eye.
Then join us at 11am and 7pm SLT (7pm and 3am UK time) for Week 10 of our two classic radio serials in the ZBS Radio Hour — first The Fourth Tower of Inverness, followed by Ruby, the Galactic Detective, brought to you courtesy of our friends at ZBS.org. Listen-in at home, or join us in the beautiful Caledon Conservatory for a cup of tea with your host Deirdre Maven (http://slurl.com/secondlife/New%20Babbage/218/29/104).
Today's programme is presented by Elrik Merlin and produced by Radio Riel in conjunction with the Alexandrian Free Library Consortium of Second Life. You can listen to the programme now at http://main.radioriel.org in-world, or simply click here.
For more information on the Alexandrian Free Library, current exhibits and the work of Consortium members in general, please visit the Alexandrian Free Library website, or one of their branches in-world.


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Hours of Operation
- Hours of Operation 5:00 AM - 9:00 PM
Type of Tour
- Winery Tours
Come spend the day with Designated Dennis!
A licensed Wine Tour Driver with 15 years' in wine related occupations, a 50 plus year resident of Napa and a Wine Aficionado. I will meet you at your lodging establishment and drive your car. That means you pay half of what the car companies charge. I can follow your itinerary or plan an amazing day of wine tasting for you. I can go pick up lunch while you relax at a winery. I specialize in groups of eight or less because I want to be more than just a driver for you. I will be your own personal concierge. If you need it or want it I will get it or do it.
Why is my service better than using a rideshare App? There is no waiting and my priorities are your safety and enjoyment not hurrying to drop you off so I can get another rider. Ask about our specials.


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Attach the phone to give Fable a face. This holder is adjustable and allows you to angle the phone on almost any angle.
Fable Phone Holder Flex
Attach the phone to give Fable a face.
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If applicable, the Product Documentation, Reference Materials, CAD design(s), .STEP file(s) and/or other drawing file(s), Manuals, and Tutorials will be available for download upon purchase. The order confirmation email will include a downloadable link to the product file(s) which can also be downloaded from the My Account section if needed.
Robots designed for education
Fable is a modular construction set that students can use to create their own robot in just a few minutes. The Fable robot makes it fun and easy to teach 21st century skills and STEM. In just one lesson, the students can use innovation and their own creativity to solve real-world problems. Fable is appropriate for primary (9+), secondary and higher education.
Fable teaches programming, innovation, problem solving, creativity and much more
– Adaptable lessons from 3rd grade to University.
– Multiple modules
– Build fable in minutes
– Multidisciplinary teaching
– No knowledge of robots or programming necessary
– Lesson plans from 3rd grade to University
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