text:
Introduction Picmonkey Hub Storage
95 million photographs are uploaded to Instagram daily and this amount is Much bigger when we take into an account the whole net. The aforementioned piece of advice demonstrates how photography has become part of daily lives of a huge number of individuals. In such a world photograph editing plays a vital role, because most photos need some sort of intervention until they can be presented to the general public. Picmonkey Hub Storage
click here to sign up to PicMonkey today!
PicMonkey is among the hottest editing and movies making websites Today, which makes it an ideal choice for inexperienced photographers and aspiring photo editors. So let's have a look at exactly what this online tool for picture editing has to offer you.
A Fast look at PicMonkey
If you find yourself in need of a powerful and Simple to Use tool that Will permit you to generate social media posts quickly then you need to consider utilizing PicMonkey. Here are the things that you need to take into account before you make this online picture editor, your go-to option.
Pros: You actually Do not need to be a photo-editing magician in order to have the ability to generate magical pictures with this online tool. The PicMonkey's list of qualities you can use to edit your photographs is very long, which basically means that you can do almost anything you want with photographs you'd like to edit. In addition to remarkable photo editing options, PicMonkey additionally provides a good number of graphic design tools that could assist you during the process of making a banner for your website or producing a Facebook cover photo your buddies will adore.
Disadvantages: Those of you Who have been hoping you can edit images of all sizes are going to receive a bit disappointed because PicMonkey has an image size limit. You can choose from three different options, but no choice will allow you to upload pictures larger than 16MP and if you upload a photo that is larger than this the system will automatically resize it into 4000X4000 pixels.
Although you can use this photo editor to edit photographs or create collages For free, PicMonkey will not permit you to save, export or share the pictures you've edited unless you install an account, for which you have to pay a yearly or monthly charge.
PicMonkey's Highlights
Most online picture editors provide ways to make goofy photos, but at The same time they lack traditional photo editing tools which are generally used to enhance photos. PicMonkey manages to obtain the right balance between topics that enable you to recreate the visual look of comic books on your photographs and blur options that may be employed to create the artistic sense on the pictures you edit. Furthermore, the Focal B&W tool enables you to decide which part of the photograph that you would like to desaturate and then region of the image should retain color.
This online photo editor provides thousands of overlays, which range from Zig-zag traces to birds, butterflies, and flowers. Each of these overlays can help you in creating photos that'll attract a lot of attention on social media.
Advanced Features
Besides options commonly featured in offline and online picture Editors, PicMonkey additionally provides some near professional photo editing programs. Photography enthusiasts will enjoy using the Bokeh effect, regardless of the fact that Bokeh effects provided by a photo editing applications such Fotophire are much more powerful. Each impact you apply to your photo in PicMonkey may be partially taken out of the photo with the Paint quality which permits you to choose the size of the brush you're going to use to take out the effect you applied on a photograph. This option can be utilized if you would like to apply the photo effect to a certain area, whereas the remaining portion of the picture stays untouched. Picmonkey Hub Storage
click here to sign up to PicMonkey today!
PicMonkey is well-equipped with programs that enable you to edit your Selfies and all other portrait photographs to perfection. Characteristics like Blemish Fix, Wrinkle Remover, Lip Tint, Mascara or Weight Loss enable you to have complete creative control on how the mouth, skin, eyes or figures of individuals depicted in your photos will look like.
Basic facts
There Are Numerous pricing options available to people who Choose to utilize PicMonkey on a constant basis. The Premium alternative can costs $7,99 a month or $5,99 per month, billed annually at $71,88. The cost for Superpremium pricing plan costs $107, 88 per year, however the amount of options you may unlock will leave you wondering if you were better off purchasing a desktop software like Fotophire for a substantially lower sum of money.
The PicMonkey's interface is well-organized, therefore even if you never used a Photo editing software before you should not have too much trouble learning how around this internet picture editor. Standard photo editing features like Cropping or Rotating images may be available from the editor's toolbar that gives alternatives like Fundamental Edits, Effects or Frames, amongst others. PicMonkey enables you to upload pictures from the personal computer, Facebook, OneDrive, Flickr or Dropbox. Additionally, Premium account owners are able to store around fifty pictures at the editor's Hub, whereas the Superpremium accounts owners have unlimited Hub storage.
An impressive assortment of image templates is available to users who Want to design pictures and also this online editor also enables you to select the perfect dimensions for your Instagram story photos or Facebook cover photo.
The Advantages of Utilizing PicMonkey Image Editing Software
Edit your photos anytime anywhere with the PicMonkey mobile applications
Available on the AppStore and Google Play, the PicMonkey cellphone app comes With useful features that allows users to edit photos and do a few touch ups on their selfies before posting on social media. It's essentially a photo editor you can use on the go.
A Few of the features included in the mobile applications are sticker Overlays, a draw feature, text and layerable effects. Also, the program connects to the Hub storage thus transferring and saving your work from your mobile device to your desktop and vice versa is possible.
A broad collection of layout templates and collage layouts
Great photo effects and overlays
PicMonkey also recently released a wide array of flashy photo Consequences Users can apply in their own images, such as the Super Black & White photo effect, Silverscreen, Miniature, Tri-X, Edge Sketch and Mirror effects.
The overlays come in Many Different original themes and layouts, from Baby-themed overlays to sporting events and outdoor images.
PicMonkey has been around For quite some time. And over the years, its developers have come up with a wide choice of design templates that allow users to easily design and create their very own social articles, holiday greeting cards, invitations, special announcements, business cards and so forth. Picmonkey Hub Storage
Over 20 photo collage designs will also be available at no cost. And, if You really don't like the designs they have in their group, you can make your own customized collage design as well. Moreover, you don't have to register an account to create your collage.
The Hub storage attribute
The Hub is a fairly recent addition to the PicMonkey picture editing software. Unfortunately, it is only available to premium users.
The Hub Is Basically a feature that allows you to save your Creations in a handy location. It is ideal for those difficult, time-consuming editing jobs that you can not possibly finish in 1 session. At this time, you can break down your project into several sessions and you won't need to be concerned about losing your progress.
So what is the pricing plan for PicMonkey?
PicMonkey includes two Premium packages available; both are charged either Monthly or yearly. The Premium package, worth $7.99 per month or $47.88 when charged yearly, is a significant update to this free version of the software when it comes to features and functionality.
Some of its notable features Include:
· A 7-day free trial interval
· Hub storage for up to 50 images
· Sort Hub images function
· Advanced editing and touch-up tools
· Additional impacts, overlays and fonts
· Re-edit picture function via Hub
· Added top-shelf templates
· No advertisements
The next pricing program is that the Supremium package, which can be worth $8.33 A month or $99.99 when billed yearly.
Its added features include:
· All the features in the Premium package
· Unlimited Hub storage (instead of the 50 images limit)
· Organize Hub with Collections feature (instead of the limited Sort Hub images function)
Choosing the best strategy is ultimately your decision. It Is Dependent upon how Frequently you edit your photos, how broad your editing projects are and whether you really have a demand for those advanced features.
If you only need an image editing software to get casual uploads on societal Press, the free version ought to be great enough to address your needs.
click here to subscribe to PicMonkey today!


text:
Special Offers!
Early 2020 Offer!
Take advantage of our Early 2020 Οffer and enjoy 20% discount on our Official Rates, for reservations and stays that will take place until 31/03/2020.
Early Booking!
Book early and enjoy a special offer!
13% discount for stays until 31/12/2020.
Upgrade Classic room to Executive or Suite
For a comfortable and luxurious stay, upgrade your classic room to executive with extra 30 euros or in one of our spacious suites with extra 50 euros.
Free Wi-Fi when you book with us
Book through the official site of Athens Zafolia Hotel and get FREE WIFI in your room.

subset: commoncrawl


text:
Leafhopper Weirdness
You may enlarge any image in this blog by clicking on it. Click again for a full screen image.
I spent most of today near the summit of Mt. Lemmon, a 9200 foot mountain adjacent to Tucson, and came back with images of several species. I'll begin showing them tomorrow. Meanwhile, tonight's image is something a little on the weird side.
Leafhoppers are common insects that come in numerous species. They are small and as their name implies, they are capable of prodigious leaps. They are herbivores, subsisting by consuming plant juices.
A couple of weeks ago I photographed this individual in our back yard.
From a few feet away this leafhopper appears to be a nondescript little green insect, about 1/4 inch long. Get up close to it, however, and its appearance is positively weird. It has bulging compound eyes that are, for some reason, purplish blue in color. Just above each compound eye is a simple eye. I have no idea what purpose it serves. The weirdest feature of this insect, however, is its proboscis, the long, jointed white tube that descends from the front of the leafhopper's head. It serves both as a drill and a straw. If you look closely at this image, you'll see that the leafhopper has cut an incision at the base of one of the plant's stems. Sap is leaking from the wound and the leafhopper is sucking that up through its proboscis. Very strange.
We tend to overlook just how bizarre and wonderful insects are. After 300 million years or so of existence they have evolved into forms that are fantastic almost beyond human conception. This lowly leafhopper is just one of many.
Image made with a Canon 5DS-R, 180mm f3.5L Macro Lens assisted by Canon 600EX-RT Speedlite, stabilized by monopod, M setting, ISO 160, f8 @ 1/160.


text:
Black Rhinos and How Mine have shown interest in former Dynamos defender Lincoln Zvasiya's services, according to NewsDay.
The defender was released by the Harare Giants towards the end of last season due to disciplinary issues.
Newly-appointed Rhinos coach Herbert Maruwa is believed to have set sights on signing the player, while How Mine are also reportedly keeping tabs on him.
Zvasiya confimed to the newspaper that a number of clubs were interested in his services, but did not say the names.
"I have received offers from some Premier Soccer League clubs of which I am not going to rush and make a decision. I have to take my time so that I join a club with people who I can be able to work with," he said.
Quick NetOne, Telecel, Africom, And Econet Airtime Recharge
If anything goes wrong, click here to enter your query.


text:
Lazy Cabbage Rolls, the perfect quick, easy and delicious weeknight meal. No stuffing required, mix all together and dinner is ready.
Lazy Cabbage Rolls
I love this recipe, this is a recipe that my Mom made way back when. I imagine this is when Casseroles were all the rage.
When I moved to Italy from Canada my Mom gave me most of her recipes all written out in her hand writing, but unfortunately this was not in the group.
How I have looked for this easy Lazy Cabbage Rolls recipe everywhere over the years, from food blogs to googling it, from asking my sisters and anyone and everyone who ever tasted this Lazy Cabbage Rolls recipe.
No one had it and no one remembered how it was made or so I thought.
This was another of the lost and found recipes that my sister in Toronto had. One of the tastiest and easiest casseroles to make.
This Recipe can be made in the oven or as I started making it on the stove in a skillet, brown the beef first, then throw everything else in, cover and let it all simmer together for about 30 minutes
and there you have it, comfort food at its best. And this is just what these Lazy Cabbage Rolls are.
I have always loved cabbage rolls, my best friend's mother is of Ukrainian decent and she would make the best (and still does) cabbage rolls and Pierogi (I love those too!).
I have made cabbage rolls the classic way and yes they are amazing, but very time consuming, too many dirty dishes, but these Lazy Cabbage Rolls come together so quickly! And what could be better then everything mixed together in one bowl?
This wonderful, delicious Lazy Cabbage Rolls dish have everything, cabbage, ground beef, tomatoes, rice and spices. Perfect for cold fall or winter evenings and you are looking for something comforting and yes healthy.
Could be the ideal Saturday or Sunday evening meal. I do hope you will enjoy this as much as I do and now my family does too, let me know. Buon Appetito!
Unstuffed Cabbage Rolls
Lazy Cabbage Rolls
- 2 tablespoons olive oil
- 1 clove garlic chopped
- 1 small onion chopped
- 1 pound lean ground beef (1/2 kilo)
- 4 cups shredded or finely chopped cabbage
- 1 can whole Plum/Marzano Tomatoes chopped (nothing added) (400 grams)
- 2 1/2 cups water (590 grams)
- 3/4 cup uncooked rice (150 grams)
- 1/2-1 teaspoon oregano
- 1-2 pinches of hot pepper flakes (if desired)
- 1/2 teaspoon salt
- 1 pinch pinch of thyme (optional)
- 4-5 fresh basil leaves chopped (or more if desired)
- In a large frying pan add the olive oil, garlic, onion, and ground beef, cook on medium heat until almost all browned.
- Then add the cabbage, tomatoes, water and rice, stir to combine, then add the spices, stir to combine. Cook over low-medium heat for approximately 30 minutes or until cooked and thickened. Enjoy!
Updated from October 30, 2014


text:
This state just makes me feel intensely lonely. The cat is not really the best companion you could imagine. C. doesn't know anyone who has a friendly dog I could take for walks. One family has a dog, but she's just as ill-tempered and unfriendly with everyone as Odin. I am terrified of applying to the local chapter of the Humane Society to be a dog handler for their shelter for fear of being rejected on the basis of everyone wanting that position.
I hate this and clearly need a job that won't take me traveling afar, to be done with college and to live somewhere else. And all this whinging of mine makes me fear the years to come in which I probably won't be able to own a dog.
2 Comments
Britni TheVadgeWig said,
I'm sorry, hun. I know how lonely it is when you're used to having a dog and then you no longer do. They really are the best companions there are.
Holly said,
I am so sorry sweetie.
Besides the animal shelter – perhaps these folks would like a volunteer?
http://www.kindnesshospital.com/ (within striking distance of your location).
transfer to Berkeley.. if we get a house, you get a dog…..


text:
zobacz nasze inne realizacje »
In last decade many office buildings about high standard were built in Warsaw. among new office buildings are among other things the high buildings about steel with reinforced concrete core , e.g. the Warsaw the Trade of Tower ( the called the sky-scraper popularly Daewoo, about height 184 m) and the high buildings about whole of the reinforced concrete construction, as the object of Varsovian Financial Centre ( the WCF).
Budynek WCF about 34 above - grounds storeys together with from entresols and 2 underground storeys, about total height 144 m (without aerial) so far, gave to use in 1999,is the highest in country the building of reinforced concrete construction (fot. 1). It be builds still and plans the building of many sky-scrapers; near the end 2001 during of building or preparation to build in Warsaw was at least seven buildings about height above 100 metres. The scale of high building approaches so to European scale which has reached for 200 m (Vienna) to 260 m ( the Frankfurt over Men). During erect of freight concrete high buildings are doing the following elements of construction:
To realization of listed elements the most often applied classes of concrete:
Location in centre the squares of buildings applying solutions extorts city technological taking into account the considerable time of transportation of mixture from factory of concrete.
Foundamental plates
The concreting the foundamental plates under high buildings, with cubic volume one section even to 2500 m3, it does not inflict hard the organization, because for few years works in region many modern, very effective factories of goods concrete. An important question is design composition of concrete mixture, to paid out the quantity of warmth during hardening the concrete did not lead to after the getting up in massive concrete too high temperature. Deformation causes of difference of temperatures can causes scratches in concrete. building all larger buildings conducts oneself systematic the measurements of temperature of concrete since moment of end concreting till moment, when the temperature begins to fall, what usually requires the measurements by about 7 days.
In projecting it usually places the requirements to the maximum temperature of concrete did not cross 60 ° C, and the difference between the the highest and the lowest temperature in given moment was not larger than 20 ° C. Requirements can be fulfilled during using of cement CEM II 32,5 or better CEM III 32,5. in clean the portlands cements is CEM And 32,5 the almost sure, that the maximum temperature of concrete in foundamental plate about thickness 1,5 m will cross 60 ° C, however in thickness 2,0 m can cross 70 ° C. Hypotetical the composition of concrete mixture to make a foundamental plate about thickness 2,2 m of building of Telecommunication the Polish SA (fot. 2) was passed in board
The components
Dosage of identifier / the m3 of
Propriety of concrete mixture
Cement CEM III And 32,5
Consistency: fall cone 14-17 cm
Mineral sand 0-2 mm
Gravel 2-8 mm Sobolewo
Gravel 8-16 mm the Sobolewo
Thickness of mixture: 2385 identifier / m3
Gravel 16-32 mm the Sobolewo
Admixture Lubet - C
Index w / c: 0,485
Manufacturer of mixture was PPB Budokrusz firm from Grodzisk Mazowiecki. Excavation under underground part be executed in crevice jostled with ceilings walls. Concreting of foundamental plate required the use of pipelines, therefore provided in prescription consistency was relatively liquid in fall cone 14-17cm. Maximaum registered temperature in four concrete blocks carried out 58,9, 55,6, 55,5 and 55,3 ° C in temerature of air 19-22 ° C.Endurance on grip samples taken on building place had carried out after 28 days since 44,8 to 51,5 MPa on average, however after 90 days about 58 MPa. Concrete mixture designed to build in in foundamental plate should be to characterize not smaller ...than 8hours. delay the beginning and end of bond. This makes possible an arrangement the next layer of concrete mixture without fear that arranged layer earlier will begin bonding. It was possible to get such delay using an admixture the Lubet - C, which is the complex, plasifingly, dealy the bond and it improves considerably on waterproofness of concrete. Dosage this admixture in case of massive concretes should carry out 0,6-1,0 % the mass of cement. Be desirable, to awaited class of concrete define after 60 or 90 days, what makes possible decrease content of cement and lowering temperature during hardening concrete. It is should be remember that concrete in foundamental plate more considerably quickly achieves projected endurance than concrete in kept in laboratory conditions samples, which results with different temperatures maturation.
Wall And ceilings
The building of walls and ceilings of buildings proceeds in quick pace, even in winter; usually after concreting finished evening of already next day the morning disboarding is possible . The qucik work with boarding resulting with them high price turn requires the concrete to characterize quick it grows of endurance. It should be apply the cements CEM I 32,5 R or CEM I 42,5 R. In one of high buildings the concrete mixture according to passed lower the prescription (deliver of concrete Hydrobudowa -1 Concrete - mixing works – Laboratorium from Warsaw).
Gravel 2-8 mm
Gravel 2-16 mm the
Thickness of mixture: 2380 identifier / m3
Index w / c: 0,479
The results of investigation on grip the samples introduced on pic.1 charakterized the small range of endurance . In temperatures of environment above 10 °C an admixture Lubet -C using with cement CEM I 32,5 R makes possible disboarding of wall next day.In periods of lower temperatures it is recomended to use a superplasticiser Skorbet or an admixture winter Zimobet 334.
Poles in high buildings very often are project of concretes B45 and B50 class. To make an economic mixtures may apply concrete CEMI 32,5 R, good quality mineral sand, gravel 2-8 and 8-16 mm and superplasticiser Skorbet. Dosage of Skorbet in quantity 2-2,5 % makes possible mass on obtainment concrete mixture about coefficient w/ c lower than 0,45 in very liquidity consistency and fall cone 18-22 cm. During the building of build on Królewska Street poles were made of concrete B50, and manufakturer of concrete was firm PPB Budokrusz (tabl. 3). Passed on pic. 2
The averages results of researched of endurance of concrete in samples of five mounths period(October -February) it showed large homogeneity of concrete, especially it pays the attention on the changeability of endurance cement 32,5 (admitted standard) and changeability weather conditions. Basis of observation of many buildings sites to affirm that the assurance of solid quality of concrete requires on site of building production of concrete mixture without no corrections of consistency should. Pouring some more admixtures fluxing on building to mixing machine can and should have place in emergency situations. Treatment as rule such correction on quality concrete affecting often negatively . Inaccurate mixing an admixture in mixing machine is the cause of heterogeneous consistency, different endurance of concrete and soaking up of water ,differents times of bond, heterogeneous appearance of surface of concrete after disform.
Consistency: fall cone 18-23 cm
Thickness of mixture: 2423 identifier / m3
Siliceous dust Laziska
Admixture Skorbet
Index w / c: 0,368
Passing concrete mixture be holds the most often using of pumps station . Pumping of concrete mixture on distance above 100 m, in this often over 50 m and more, is easier with plasticifingly concrete admixtures about consitency to 14-17 cm. Concrete mixtures with superplasticiser should have consistency about fall cone 18-22 cm because during it pumping it is getting density . Using of stationary pumps and closed sped pipelines requires very exact their cleaning after every concreting.
In last years were got the considerable practical experiences in range projecting as well as the mass production of goods concretes, destined to realization of high buildings. The stable production of concretes of classes to B70 with use inexpensive, the national materials does not create problems. It the special, applied in atypical elements of high buildings, concretes were projected carefully , carrying out indispensable experimental researches.E.g. to realization of plate of landing field strip for helikopters on roof of building the TP .SA used the special concrete B40 about high froostproofness and durability,used with addition of fibres glass proof on working the alkalies. Because the high buildings are responsible and very exhibitily objects in city, building of them is connect with high quality, what maens larger than usually the stores of safety in projecting and the production of goods concrete.
doctor hab. inż. Michał A. Clinicki
Institute of Basic Problems
Technique of PAN in Warsaw
ma inż. Kazimierz Ładyżyński
Hydrobudowa -1
wykonanie - SoftwareStudio Sp. z o.o.


text:
Call us now on: 0330 160 7700
Booking Hotline
|Mon to Fri
|9am - 4pm
|9am - 2pm
|Bank Holidays
Customer Service
|Mon to Fri
|9am - 4pm
|9am - 2pm
|Bank Holidays
{{data.duration}} day{{data.duration>1?"s":""}} from £{{cruisePrice!=0?cruisePrice : specificPrice.Price}}pp
£{{specificPrice.WasPrice}} Now (1st Person) £{{specificPrice.Price}} Now (2nd Person) £{{getSecondPersonPrice()=='0.00'?'FREE':getSecondPersonPrice()}}
(1st Person) £{{specificPrice.Price}} Now (2nd Person) FREE
Terms and conditions apply*
Join us aboard Marco Polo for a delightful spring cruise from Bristol to Portsmouth. Sail across the the Channel to Normandy, and through the upper reaches of the River Seine to Rouen. Wander the city's narrow streets past half-timbered houses, stop to admire the one-handed, blue-and-gold face of the Gros Horloge, see the magnificent Cathédrale Notre-Dame, and relax with a drink in the Place du Vieux-Marche, where Joan of Arc once stood trial.
Spend a relaxed evening on board as Marco Polo heads back down the Seine overnight, then step ashore the following morning to discover pretty harbourside and brightly painted houses that so inspired the French Impressionists of Honfleur.
Depart: 1900hrs
Board Marco Polo in Bristol, today, and settle in to your cabin as she prepares to set sail.
Settle into the shipboard routine of rest and relaxation as Marco Polo spends today at sea.
Arrive: 0745hrs
Depart: 2030hrs
This morning you'll awake in the heart of Normandy, as Marco Polo arrives in the ancient city of Rouen. You'll spend a full day here, giving you plenty of time to explore. Stroll the pretty, cobbled streets, past the site of Joan of Arc's martyrdom in the Place du Vieux-Marche and beneath the Renaissance arch that houses the ornate Gros Horloge (one of the oldest clocks in France), to the Place de la Cathedrale.
Arrive: 0300hrs
Depart: 2300hrs
After a night spent cruising gently back down to the mouth of the Seine, Marco Polo reaches Honfleur, early this morning. Explore this favourite retreat of the French Impressionists, with its Vieux Bassin harbour surrounded by gabled houses, or perhaps join a shore excursion to Deauville or Monet's Gardens at Giverny.
Arrive: 0800hrs
Bid farewell to Marco Polo and your fellow travellers, today, as you disembark at the end of your cruise. An optional coach transfer back to Bristol will be available to book in advance.
Days marked above with an anchor include ports where you will be transferred to shore by landing boat. These ports may be inaccessible for customers with mobility difficulties as a result. Any days not listed will be spent at sea.
|Call us now on
|0330 160 7700
|Booking Hotline
|Mon to Fri
|9am - 4pm
|9am - 2pm
|Bank Holidays
|Customer Service
|Mon to Fri
|9am - 4pm
|9am - 2pm
|Bank Holidays


text:
A passion for teaching kids to become readers, to become comfortable with a book, not daunted. Books shouldn't be daunting, they should be funny, exciting and wonderful; and learning to be a reader gives a terrific advantage.' (Roald Dahl)
A festival of events and activities celebrating literacy and story telling for all ages and abilities.
In a nutshell:
Calne brought together local people, organisations and groups to provide a festival of events that celebrated words, storytelling and communication; from space stories to cooking 'Revolting Recipes', to finding out how to get published or being inspired to read with your child.
What makes this project special:
Calne identified that there was a high number of local people who found literacy a barrier to employment, socialising and gaining access to information. This was found for all age ranges. A group of local people developed the Wordfest idea to engage with local people in a fun and informal way to find out more about the needs of the community and how they might address them.
Each event was developed and run by a different group who either already offered something or put on something new, forming a menu of activities that could carry on throughout the year. Some events, like our Roald Dahl trail lasted all through the week as people visited shops in the town to put together clues from books.
Activities included:
- Pub beer mats and bananagrams alongside pub quizzes
- Poetry and Short Story competitions and workshops
- Family Learning- puppets and singing
- Speech and Language drop in
- Folk music evening
- Astronomy- Stories of the Sky
- Revolting Recipes- Cooking
- Job Club and IT skills
- Schools dress up days
- Spooky stories- pub meal
Find out more:
Visit their page here: www.facebook.com/calnewordfest
twitter: @Calnewordfest
More support


text: 09/03/2014 - Remodeling your home is a fun and exciting time. There are more possibilities today than ever before. Working with an experienced designer can help you more easily sift through to find solutions that work best with your style, needs and budget. A great place to start is by gathering ideas to share with your designer. The Case Idea Center was... [Leggi tutto]


text:
$ 29.99
Each poster is hand-printed and handled, to make sure that only the highest quality is offered and sent out. The matte paper and high quality of inks make for a vibrant image which looks great both framed, and au-naturel. Printed in Los Angeles, CA, on Epson Enhanced Matte Paper, heavyweight stock, high color gamut, using Epson UltraChrome HDR ink-jet technology. Framed posters offer the same, museum-quality printed poster, but wrapped in a protective black frame. The frame is lightweight and includes a shatter-resistant acrylite front protector, so it won't break in the mail. International orders may be subject to customs duties & taxes.
Proceeds support Earthjustice, using the power of law to defend our right to a healthy environment.
My day at the zoo was a flop. Arriving full of hope, I took lots of photos, but sadly none of them worked. I liked these Elephants, walking in line, but the background was messy and dull. So I decided to cheat, by creating a montage. Looking through my files, I found the perfect background - a snowscape taken close to home. The images were combined using Photoshop - which is how two Indian Elephants came to be walking through the snow in east London. - Richard Alton


text:
Relevant Catholic Divine Inspirations and Holy Lights
From the Dialogue On Divine Providence by Saint Catherine of Siena
How a soul, elevated by desire of the honor of God, and of the salvation of her neighbors, exercising herself in humble prayer, after she had seen the union of the soul, through love, with God, asked of God four requests.
The soul, who is lifted by a very great and yearning desire for the honor of God and the salvation of souls, begins by exercising herself, for a certain space of time, in the ordinary virtues, remaining in the cell of self-knowledge, in order to know better the goodness of God towards her. This she does because knowledge must precede love, and only when she has attained love, can she strive to follow and to clothe herself with the truth.
But, in no way, does the creature receive such a taste of the truth, or so brilliant a light therefrom, as by means of humble and continuous prayer, founded on knowledge of herself and of God; because prayer, exercising her in the above way, unites with God the soul that follows the footprints of Christ Crucified, and thus, by desire and affection, and union of love, makes her another Himself. Christ would seem to have meant this, when He said:
"To him who will love Me and will observe My commandment, will I manifest Myself; and he shall be one thing with Me and I with him."
In several places we find similar words, by which we can see that it is, indeed, through the effect of love, that the soul becomes another Himself. That this may be seen more clearly, I will mention what I remember having heard from a handmaid of God, namely, that, when she was lifted up in prayer, with great elevation of mind, God was not wont to conceal, from the eye of her intellect, the love which He had for His servants, but rather to manifest it; and, that among other things, He used to say: "Open the eye of your intellect, and gaze into Me, and you shall see the beauty of My rational creature."
"And look at those creatures who, among the beauties which I have given to the soul, creating her in My image and similitude, are clothed with the nuptial garment (that is, the garment of love), adorned with many virtues, by which they are united with Me through love. And yet I tell you, if you should ask Me, who these are, I should reply" (said the sweet and amorous Word of God) "they are another Myself, inasmuch as they have lost and denied their own will, and are clothed with Mine, are united to Mine, are conformed to Mine."
It is therefore true, indeed, that the soul unites herself with God by the affection of love.
So, that soul, wishing to know and follow the truth more manfully, and lifting her desires first for herself -- for she considered that a soul could not be of use, whether in doctrine, example, or prayer, to her neighbor, if she did not first profit herself, that is, if she did not acquire virtue in herself -- addressed four requests to the Supreme and Eternal Father.
The first was for herself; the second for the reformation of the Holy Church; the third a general prayer for the whole world, and in particular for the peace of Christians who rebel, with much lewdness and persecution, against the Holy Church; in the fourth and last, she besought the Divine Providence to provide for things in general, and in particular, for a certain case with which she was concerned.
From the Dialogue On Divine Providence by Saint Catherine of Siena
How finite works are not sufficient for punishment or recompense without the perpetual affection of love.
Then, the Eternal Truth seized and drew more strongly to Himself her desire, doing as He did in the Old Testament, for when the sacrifice was offered to God, a fire descended and drew to Him the sacrifice that was acceptable to Him; so did the sweet Truth to that soul, in sending down the fire of the clemency of the Holy Spirit, seizing the sacrifice of desire that she made of herself, saying: Do you not know, dear daughter, that all the sufferings, which the soul endures, or can endure, in this life, are insufficient to punish one smallest fault, because the offense, being done to Me, who am the Infinite Good, calls for an infinite satisfaction?
However, I wish that you should know, that not all the pains that are given to men in this life are given as punishments, but as corrections, in order to chastise a son when he offends; though it is true that both the guilt and the penalty can be expiated by the desire of the soul, that is, by true contrition, not through the finite pain endured, but through the infinite desire; because God, who is infinite, wishes for infinite love and infinite grief.
Infinite grief I wish from My creature in two ways: in one way, through her sorrow for her own sins, which she has committed against Me her Creator; in the other way, through her sorrow for the sins which she sees her neighbors commit against Me.
Of such as these, inasmuch as they have infinite desire, that is, are joined to Me by an affection of love, and therefore grieve when they offend Me, or see Me offended, their every pain, whether spiritual or corporal, from wherever it may come, receives infinite merit, and satisfies for a guilt which deserved an infinite penalty, although their works are finite and done in finite time; but, inasmuch as they possess the virtue of desire, and sustain their suffering with desire, and contrition, and infinite displeasure against their guilt, their pain is held worthy.
Paul explained this when he said: 'If I had the tongues of angels, and if I knew the things of the future and gave my body to be burned, and have not love, it would be worth nothing to me.' The glorious Apostle thus shows that finite works are not valid, either as punishment or recompense, without the condiment of the affection of love."
Prayer to Saint Catherine of Siena
O admirable Saint Catherine, thou who did merit to make of thy whole life the noblest holocaust, constantly inspiring thyself to a most ardent love for Jesus, the Lamb without blemish, and for His beloved Spouse the Church, whose rights thou did strenuously affirm and support in troubled times.
Obtain, likewise, for us the grace not only to pass unscathed through the corruption of this world, but also to remain unshakably faithful to the Church, in word, in deed, in example, to see always, and to make others see, in the Vicar of Christ our anchor, as it were, in the storms of life, the beacon light that points the way to the harbor of safety in the dark night of our times and of mens souls.
The Precious Blood
Prayer by Saint Catherine
of Siena
Precious Blood,
Ocean of Divine Mercy:
Flow upon us.
Precious Blood,
Most pure Offering:
Procure us every Grace!
Precious Blood,
Hope and Refuge of sinners:
Atone for us!
Precious Blood,
Delight of holy souls:
Draw us!
Prayer of Thanksgiving to the Trinity
by Saint Catherine of Siena
O Eternal God! O Eternal Trinity! Through the union of Thy Divine nature Thou hast made so precious the Blood of Thine Only-begotten Son! O Eternal Trinity, Thou art as deep a mystery as the sea, in whom the more I seek, the more I find; and the more I find, the more I seek. For even immersed in the depths of Thee, my soul is never satisfied, always famished and hungering for Thee, Eternal Trinity, wishing and desiring to see Thee, the True Light.
O Eternal Trinity, with the light of understanding I have tasted and seen the depths of Thy mystery and the beauty of Thy creation. In seeing myself in Thee, I have seen that I will become like Thee. O Eternal Father, from Thy power and Thy wisdom clearly Thou hast given to me a share of that wisdom which belongs to Thine Only-begotten Son. And truly hast the Holy Spirit, who proceedeth from Thee, Father and Son, given to me the desire to love Thee.
O Eternal Trinity, Thou art my maker and I am Thy creation. Illuminated by Thee, I have learned that Thou hast made me a new creation through the Blood of Thine Only-begotten Son because Thou art captivated by love at the beauty of Thy creation.
O Eternal Trinity, O Divinity, O unfathomable abyss, O deepest sea, what greater gift could Thou givest me then Thy very Self? Thou art a fire that burns eternally yet never consumed, a fire that consumes with Thy heat my self-love. Again and again Thou art the fire who taketh away all cold heartedness and illuminateth the mind by Thy light, the light with which Thou hast made me to know Thy truth.
By this mirrored light I know Thou are the highest good, a good above all good, a fortunate good, an incomprehensible good, an unmeasurable good, a beauty above all beauty, a wisdom above all wisdom, for Thou art wisdom itself, the food of angels, the fire of love that Thou givest to man.
From the Dialogue On Divine Providence by Saint Catherine of Siena
Saint Catherine of Siena;
from Chiesa di Santa Maria del Rosario, Prati, Roma
Saint Catherine of Siena
by Giovanni Battista Tiepolo; 1746; Kunsthistorisches Museum Wien, Gemäldegalerie, Dresden, Germany;
God the Father with Saints Catherine of Siena and Mary Magdalen
by Fra Bartolomeo; 1509; Museo Nazionale di Palazzo Mansi, Lucca, Italia;
The Mystical Marriage of Saint Catherine of Siena
by Antonio Franchi (1638-1709);
The Ecstasy of St Catherine of Siena
by Pompeo Batoni; 1734; Museo di Villa Guinigi, Lucca; Italia
Saint Catherine of Siena (25 March 1347, Siena - 29 April 1380, Rome): A tertiary of the Dominican Order, and a Scholastic philosopher and theologian who worked to bring the Papacy back to Rome from Avignon. She was canonized by Pope Pius II in 1461 and later made a Doctor of the Church, October 3 1970 by Pope Paul VI.
April 29/30 - Saint Catherine of Siena - In Loving Dialogue with God - Doctor of the Church -
Above quotes by Saint Catherine of Siena
This site is dedicated to Our Lord Jesus Christ
in the Most Holy Virgin Mary,
for the Glory of God
The Apostolic Blessing by the Holy See in Rome is bestowed (October 28, 2013)
Cooperatores Veritatis
Omnia ad majoren Dei Gloriam!
(All for the greater glory of God)
Contact/email us by writing to
Design and some materials ©2013-2020 by CatholicTruth.Net - All Rights Reserved
Some works are open license - others are copyrighted by their respective intellectual property owners, as noted.
Hosted & powered by


text:
Phenomenal job with our order! We ordered several centrepieces for our office party celebration in BT19. Not only was the flower delivery perfect, but the centrepieces were almost identical, which is just what we wanted. Thanks!
|Flower Delivery
|Birthday Flowers
|Congratulations Flowers
|Sympathy Flowers
|Christmas Flowers
|Wedding Flowers
|Flowers Delivered
|Anniversary Flowers
|Funeral Flowers
|Mothers Day Flowers
|Romance Flowers
|Valentines Day Flowers
Florists Bangor BT19
Order Flowers in Bangor BT19
Local Bangor flower shop BT19! Send flowers Bangor online anytime with Flower Shop.
Professional Florists Bangor BT19, order flowers Bangor Today!
We offer Valentines Day Flowers Bangor, Wedding Arrangemets Bangor , New Baby Gifts Bangor, Mothers Day Flowers Bangor, Funeral Flowers Bangor, Birthday Flowers Bangor, Anniversary Bouquets Bangor. Buy online Today!
Flower Shops offers a bespoke flower delivery service in Bangor, allowing everyone to get access to the flowers by post in Bangor that they want.
With us you have complete control over the flowers delivered in Bangor to you; you can choose the flowers to include, specify colours and include a personalised message if you want.
Then you can let us know where to send them in Bangor, and we'll put your bouquet together and make sure it reaches its destination without any stress for you. If you need cheap flowers in Bangor fast then rely on our same day flower delivery in BT19 and we at Flower Shops will take care of it all for you!
We provide Wedding Flowers BT19, New Baby Flowers BT19, Mothers Day Bouquets BT19, Valentines Day Flowers BT19, Funeral Flowers BT19, Anniversary Flowers BT19, Birthday Flowers BT19. Order Today!
We have all types of flowers: Hydrangea, Guelder, Red Rose, Dahlia, Cerise, Ecuadorian Lilac, Rose Lisianthus, Tulip, Paperwhites, Dahlia Pink Rose Lily, Alstroemeria, White Rose and many more.
At Flower Shops we have excellent florists in Bangor BT19 who craft stunning bouquets and arrange for prompt flower delivery in Bangor.
We have a reputation for delivering gorgeous flowers that last up to 5-7 days.
Unlike other flower shops in Bangor we have a reliable same day flower delivery in BT19 on offer. We are open for business every day! Order now and get your flowers delivered in Bangor right at your doorstep. Our bouquets are designed to help you surprise your loved ones and we guarantee customer satisfaction with every purchase. Shop with us and get the best value for your money.
Need fast and efficient flower delivery in Bangor without paying extortionate prices to get it? Flower Shops is one of the top rated florists in Bangor allowing you to send flowers in Bangor at a low cost and with complete confidence that they will arrive on time.
We are able to provide the largest range of BT19 cheap flowers, including a number of highly specialist varieties that you won't find elsewhere in BT19.
Order yours online today using our brilliantly simple ordering system and enjoy speedy same day flower delivery in Bangor to an address of your choice.
Do you need flowers delivered in Bangor last minute? Not a problem! We at Flower Shops understand that life happens and sometimes deadlines get overlooked; that is why we offer Bangor next day flower delivery on all of our affordable arrangements and bouquets! We can even send flowers by post in Bangor BT19 so that they arrive in time for any event.
Let us help you celebrate, wish well or send condolences with one of our hand crafted bouquets created with you in mind by our talented florists BT19 in our local flower shops in Bangor.
Order now and speak with our knowledgeable staff that would be delighted to serve you!
You can't beat a bouquet of tulips for a special gift that really shows you care, and if you want to send flowers to Bangor, it's never been easier.
Flower Shops provides flowers by post in Bangor and beyond, providing an outstanding level of service, cheap flowers in Bangor BT19, and next day flower delivery in BT19.
So no matter your budget, time frame or requirements, we can provide exactly what you need, and we promise to take the hassle out of flower delivery Bangor – just leave it all to us, we'll make it happen.


text:
By McElhanon, Kenneth A. and Reesink, Ger
Read or Download A Mosaic of languages and cultures: studies celebrating the career of Karl J. Franklin PDF
Best education books
The Art of Instruction: Vintage Educational Charts from the 19th and 20th Centuries
Large-scale wall charts have been primary instruments of lecture room guideline all through Europe within the mid-nineteenth and 20th centuries. accumulated the following for the 1st time in a single deluxe quantity are over a hundred of those classic academic posters now very important relics within the historical past of technology, paintings, and layout.
Matter and Mind: A Philosophical Inquiry
This e-book discusses of the oldest and toughest difficulties in either technological know-how and philosophy: what's topic? , and what's brain? A reason behind tackling either difficulties in one e-book is that of the main influential perspectives in glossy philosophy are that the universe is psychological (idealism), and that the every little thing genuine is fabric (materialism).
The Changing Dynamics of Higher Education Middle Management
Referred to as both 'soft' or 'hard' 'managerialism', 'new managerialism' or 'new public management', this new narrative has, regardless of moniker, permeated the associations of upper schooling nearly far and wide. Taking this as its context, this quantity is based on a finished overseas comparative research of the evolving function of middle-level educational managers—deans, heads of division and their equivalents.
- Empathy in Education: Engagement, values and achievement
- Global Institutions, Marginalization and Development (Routledge Ripe Studies in Globalpolitical Economy)
- Women's Rights and Religious Practice: Claims in Conflict (York Studies on Women and Men)
- Evolutionary and Ecological Approaches to the Study of Personality (Philosophical Transactions of the Royal Society B)
Extra resources for A Mosaic of languages and cultures: studies celebrating the career of Karl J. Franklin
Sample text
While director, he mentored a Kewa, 14 Robert Litteral Yapua Kirapeasi, in the production of basic educational materials. D. in linguistics at the ANU, had this to say in appreciation, "I express my appreciation to Dr. for their encouragement. They are indeed the pioneer Kewa wina alilopo ['man woman-both'] who have shown me the way to my people and language. " 1973-1976: SIL Papua New Guinea Branch Director Karl's vision and leadership ability began to lead the PNG branch in a new direction where Papua New Guineans were trained to take a more active role in applied linguistic work for the benefit of their own language communities.
Kenneth L. Pike for three months in a linguistics workshop during his first field term (1958-63) and published three articles on Kewa: Franklin (1963), Franklin and Franklin (1962a, 1962b). Two of these were ethno-semantic studies of Kewa counting systems and body parts, the seeds of another enduring interest: lexicography and semantics. A. in Linguistics at Cornell University under Prof. Charles Hockett during the 1963-4 academic year and taught phonetics on a teaching fellowship. He received his degree after finishing his thesis on Kewa clause markers in 1965, part of which was published (1965).
1981e. Creating expressions in the vernacular. Papua New Guinea Journal of Education 17(2):200–209. , and Robert Litteral. 1982. Comparing expatriate and mother tongue translation programs. Notes on Linguistics 23:4–15. , ed. 1986. Anthropological and missiological issues. 6 and 7, 84 pp. , ed. 1987. Critical concerns of anthropologists and missionaries. International Museum of Cultures, Publication, No. 22, 163 pp. , ed. 1989. Studies in componential analysis. SIL Data Papers, Vol. 36, 105pp. 4 A Role and Reference Grammar Account of Bonggi Adversative Constructions Michael Boutin ABSTRACT In Bonggi, a Western Austronesian language of Sabah, Malaysia, most adversative constructions are formed from achievement verbs.


text:
Shopping from United States? Please visit the correct site for your location.
Sea Quest Special #1: Stengor the Crab Monster
by Adam Blade (author)
This product is not currently available.
To help you find what you're looking for, see similar items below.
This product has not been rated yet.
0 reviews (Add a review)
Delivery information
- FREE ROI delivery for schools on orders containing at least one paid item.
- FREE ROI delivery on orders €30 or over
- €6 delivery charge on ROI orders
under €30
Book Club orders
- FREE delivery to schools
- Books will be despatched after the school's order is confirmed
ROI delivery within 8 working days
Delivery charges and times vary for overseas addresses
Product description
A bumper special from the new sci-fi series by the creator of Beast Quest – with gadgets and evil Robobeasts!
Max's best friend, Lia, is dying. The only thing that can save her is the legendary Frost Flower, and it can only be found in the distant, dangerous Cold Peaks. Max is determined to save his friend, but there is another obstacle. The evil Professor also wants the healing flower. He has even created a terrifying new Robobeast to get it. Now Max must contend with Stengor the Crab Monster in order to save Lia from mortal danger!
Includes four collector cards.
Product Details
Sea Quest Special (book 1)
Date published
November 7th, 2013
Accelerated Reader
AR book level: 4.4; Middle years; 2.0 points
This product has not been reviewed yet.


text:
Minecraft an open-world game that promotes creativity, collaboration, and problem-solving in an immersive environment where the only limit is your imagination.
Mods are add-ons allow changes Minecraft's game content from what it originally was. With Mods you can make your own world within Minecraft by programming a whole new set of rules and situations!
- Updated on: December 3, 2016
- Comments:
- Newest File: WAILAPlugins-MC1.7.10-0.2.0-25.jar
- Release Type: Release
- Supports: 1.7.10
- License: All Rights Reserved
This mod adds WAILA plugins for many popular mods. The benefit of this is you are able to see information about their blocks in the WAILA HUD.
This mod requires EnderCore to run!
Currently Supported:
- Blood Magic (Ported from ImLookingAtBlood, by Pokefenn)
- Capacity, LP, and tier of altars
- Progress of the altar's current craft
- Current recipe result of Chemistry set
- Progress of chemistry set
- Owner of master ritual stone
- Current ritual of master ritual stone
- Current block/item in teleposer
- Flaxbeard's Steam Power
- Fluids in crucibles
- Pressure percentages on gauges
- Steam amounts in tanks
- State of valve pipes
- Forestry
- Sapling genomes
- Pollinated leaves info
- Current bees inside apiaries/beehouses/alvearies (and genome info)
- Apiary errors (No flowers, no drone, etc.)
- Progress percentage of current breed
- RF in of engines
- Heat in engines
- Magical Crops
- Growth percentage and hovering icon of the product of the plant
- Mekanism
- Energy amount in all energy storing blocks
- Gas stored in gas storage blocks
- Fluid stored in portable tanks
- Multiplier on salination plant
- Type of factories
- Pam's Harvestcraft
- Adds a growth percentage to tree fruits
- Railcraft
- Fluid inside machines
- Locomotive information (steam, heat, charge)
- Heat information on coal burning machines
- Whether a multiblock is formed or not
- Amount of charge in blocks
- Engine production rate
- RedLogic
- Ported overlay rendering from the Project:Red plugin in WAILA
- Info for certain gates such as Timer, Repeater, etc.
- Strength of red alloy wires
- Resourceful Crops
- Hovering icon of the product of the plant
- Thermal Expansion
- Augment info
Mod Spotlights:
How to install:
- Install the version of Forge that corresponds with the mod (http://files.minecraftforge.net/ Choose the installer version of Forge)
- Download the WAILA Plugins Mod.
- Drop the entire zipped file into your mods folder (Search %appdata% on your PC then go into .minecraft, then mods(create this folder if it is not there))
- Open Minecraft and make sure your profile is set to Forge
- Start Minecraft and enjoy!
Download Mods:
This mod is made by tterrag1098, all credit to modder. Visit the original mod thread here for all info.


text:
Baby Shower Favors
Congrats mama! You are having a baby! Our baby shower collection boasts a wide range of unique and affordable baby shower decoration sets and party favors for your guests.
Our decoration sets are versatile too! They can be used to decorate the nursery after the shower, or folded up and reused for the nest baby. Feel free to "loan" them out to your friends in between!
Original price $2.00Current price $1.50
Personalized Bottle Opener Keychain
These engraved, personalized bottle opener keychain favors are pretty, yet affordable. Great as bridesmaid gifts or party favors. Have them engrav...View full detailsOriginal price $2.00Current price $1.50Save 25%
Sort by


text:
60 Days Returns Policy
Stock Items Shipped Immediately
Long-Lasting, Durable & Comfortable
Shop now
Welcome to the online home of Medco Limited, Ireland's premier healthcare uniform supplier. Here at Medco, we pride ourselves on providing top quality nurses uniforms, scrubs and work-wear at affordable prices, without ever compromising on style or quality.
Medco have been manufacturing and supplying nurses uniforms to the nurses of Ireland for over 35 years now and we realise the importance of uniforms that are durable, comfortable and of professional appearance. Nurses in Ireland, particularly in the HSE, are obliged to purchase their own uniforms. This can place unnecessary financial burdens on our valued healthcare workers. It is with this in mind that we offer affordable, long-lasting uniforms for all sectors of the healthcare industry. Whether you're looking to purchase scrubs, nurses uniforms, lab coats or non-medical supplies, the team here at Medco can offer you an affordable solution with the added bonus of dealing with an Irish, family run business.
Should you wish to purchase more than 15 items, we can also offer additional discounts to ensure your costs remain as low as possible. All of the items you see listed on the Medco website are price sensitive and are available within our bulk-purchase discount scheme.
We are proud to supply uniforms to the Mater Public Hospital and Beaumont University Hospital as well as distribution throughout the HSE and the private sector. Our attention to detail during manufacturing and the high grade of the materials we use, ensure that each of customers is 100% satisfied.
Whether you work in the healthcare sector as a nurse, in the catering industry as a chef or in the beauty sector as a cosmetician, Medco can offer you a range of options to choose from. All of our uniforms are available in a range of colours and can be personalised with a trim or piping of your choosing. We also offer a state of the art embroidery service, which will add that touch of something special to your uniform. Allow us to embroider your logo, staff names, department or business name onto the garment of your choice from as little as €2. This customisation option is perfect for the branding of your business and ensures that your clients recognise you as a member of a professional team.
Some of the uniforms available here at Medco, include but are not limited to:
All of the above are available within our bulk-buying discount scheme and can be purchased in the colour of your choosing with optional customisation.
To learn more about Medco, our team and our ethos, please do feel free to pop over to the 'About us' section where you can read more.
Purchasing your uniform from Medco couldn't be easier, simply shop by colour, brand, style, profession or product to find the perfect nurses uniform at the perfect price.
Should you have any questions or wish to arrange a fitting or sample viewing, please get in touch with a member of our dedicated customer service team by calling 1890 929 588 / 026 41681.


text:
Daggers winger Luque pleased to get off the mark
PUBLISHED: 14:11 24 July 2019
©TGS Photo tgsphoto.co.uk +44 1376 553468
Dagenham & Redbridge winger Joan Luque was pleased to get off the mark for his new club in their 1-1 draw with Maidstone United.
An 86th-minute strike from the former Heybridge Swifts man cancelled out a 12th-minute penalty from Justin Amaluzor at the Gallagher Stadium to earn Daggers a draw against the National League South outfit.
And the Spanish native, who was one of the first signings for manager Peter Taylor this summer, feels that should give him confidence heading into the league fixtures.
"I'm very happy to score my first goal for the Daggers, I didn't think I started the game very well, but as the game went on I started feeling better on the ball and I'm glad that I scored," he told DaggersTV.
"For the forwards it's always good to get on the score sheet, it gives you good vibes, so that was pleasing."
The visitors got off to a strong start and Angelo Balanta found the net in the fourth minute, before he was flagged offside.
You may also want to watch:
The Stones ended up grabbing the opening goal as former Braintree Town attacker Amaluzor slotted home from the spot after being fouled by Liam Gordon.
However, Luque opened his account for the Victoria road club by firing an effort beyond goalkeeper Jake Cole with four minutes left, before the former Lincoln attacker found the net again, only for the effort to be flagged offside.
"I think once we scored we just got better automatically, we had better shape, better on the ball and in general we played to our best I think," added Luque.
"I don't think my second goal was offside, but the referee called it, nothing I can do about that."
Luque now cannot wait for the National League season to begin on Saturday, August 3 when Taylor's men entertain Woking.
But first a Daggers XI will welcome West Ham United under-23s to Victoria Road on Friday evening, before making the short trip to face Bet Victor Isthmian Premier side Hornchurch the following day.
"They're the last two games of pre-season so we're looking forward to it and then moving onto Woking where we're going to be playing for three points," said Luque.
If you value what this story gives you, please consider supporting the Barking and Dagenham Post. Click the link in the orange box above for details.


text:
Marie Emma "Marie" Leavitt
August 20, 1928 - July 2, 2007
LEAVITT Peacefully at Picton Manor Nursing Home, on Monday, July 2nd, 2007, MARIE EMMA LEAVITT, formerly of R.R. #9, Picton, at the age of 78. Beloved wife of the late Edwin. Loving mother of Donna and her husband Ron Palmateer of Cherry Valley, Vivian and her late husband Regent Dubois of R.R. #9, Picton and Pat and her husband Dayton Johnson of R.R. #3, Picton. Survived by her brother Roland Nelson and the late Gordon Nelson and Eva Scott. Loved and missed by her many grandchildren and great grandchildren. A GRAVESIDE SERVICE WILL BE HELD AT CHERRY VALLEY CEMETERY, on Saturday, July 7th at 10:30 A.M. If desired, donations to the Salvation Army or the Canadian Cancer Society would be appreciated by the family and can be left at the Funeral Home. (CHEQUES ONLY PLEASE). ARRANGEMENTS ENTRUSTED TO THE WHATTAM FUNERAL HOME, 33 MAIN STREET, WEST, PICTON, ONTARIO


text:
|Schoolhouse Quilt Block
My mother continues her story about attending Rapp Schoolhouse, a one-room school in Osage County, Kansas:
"Everybody brought their own lunches. Most had lunch boxes, but I remember some carried tin syrup pails instead of a lunch box. Getting a branch new lunch box for the school year was exciting as was the new pencil box with little compartments for pencils, erasers, etc. Everybody bought a new big Red Chief tablet for school. I still love the smell of new crayons and remember how exciting it was to have a new box for school. We ate inside during cold weather, but on nice days we ate outside on the steps or where we wanted to.
|Rapp Schoolhouse in Osage County, Kansas
"We always played outside at recess unless it was raining. We had a large yard. The boys played football. The girls played hopscotch, jacks, and jump rope. In the spring, boys and girls played baseball together. We also played other games together. When there was snow, we played Fox and Geese and always hoped the snow stayed a long time so we could keep the paths we made for that game.
|Oil Painting of Rapp Schoolhouse by My Cousin Annmarie Thomas
"The first book or story I read in school was The Gingerbread Boy. There was a brand new encyclopedia set, and I loved looking at those books. My mother had always read to me and my three sisters. I especially remember listening to stories read out of the Big Green Nature Book that had been one of her college textbooks. I brought home books from the school library and remember listening to her read Heidi the first time.
|Rapp School when my mother was in 8th grade, her final year there.
She is in the center of the middle row.
Cousin Annmarie's mother is on her left and another sister is on her right.
The youngest sister is not in school yet.
There's a wonderful short video produced by Sunflower Journeys in which you can see inside Rapp Schoolhouse and hear from some former students, including my cousin Janice Briggs. Click here to watch.
You can read Part I of Memories of Rapp Schoolhouse, a One-Room Kansas School here.


text:
Today, anyone who deals with "street photography" sees a broad spectrum of social, humanist, political or documentary motivations and views, which have only one thing in common: the location of the street. The origin of 'street photography' can therefore be assumed to originate from the Parisian studies Paris pittoresque and Le vieux Paris by Eugène Adget, which emerged towards the beginning of the last century.
This article is reserved for subscribed members only. If you are already a member, you can log in here below.
Subscribe for full access to The Eye of Photography archives!
That's thousands of images and articles, documenting the history of the medium of photography and its evolution during the last decade, through a unique daily journal. Explore how photography, as an art and as a social phenomenon, continue to define our experience of the world. Two offers are available.
Subscribe either monthly for $5 or annually for $50 (2 months offered).


text:
Time Inc. Cuts Up to 30 Ad Jobs, As Suitors Line Up
Hardly a day goes by that Time Inc. isn't in the headlines these days.
The publisher announced Wednesday that it would be cutting about 30 jobs from advertising sales in its continued revamp of its sales structure and strategy. Time Inc. is going all in on a category selling approach that capitalizes on the publisher's breadth of content in a variety of subject areas. The aim of the category approach is help marketers expand their reach across multiple brands. Instead of meeting with a sales rep from each publication they might advertise in, marketers can meet with salespeople that focuses on a broader topic like beauty or automotive.
Time Inc.'s current sales teams cover technology, telecommunications, automotive, food and beverage, beauty, retail, and financial services. The Wall Street Journal reports that the publisher will add five new category groups: fashion, entertainment, home, travel, and government/industry.
While the moves are aimed to align with the digital marketing objectives of big brands that want large-scale consumer reach, the slimming and trimming is also likely an attempt to be more appealing to potential suitors. Time Inc. announced in a board meeting last week that it will begin discussions with companies interested in purchasing all or some of its business.
The NY Post reported on Tuesday that Meredith remains the likely frontrunner to buy Time, but that the company could also team up with AMI to split weeklies and monthlies. In that scenario, AMI would acquire weeklies like Time, Sports Illustrated, and People, and Meredith would take on monthlies such as Real Simple and InStyle. For the time being, it looks like Hearst is on the sidelines, according to the Post's report.
The potential of AMI acquisitions of weekly titles would certainly present some issues for Time staffers. As reported in a NY Post article earlier this month, one former Time Inc. staffer believes his old colleagues' "heads will explode," if the publisher is acquired by AMI. Owner of celebrity gossip magazines such as Star Magazine, National Enquirer, and OK!, AMI is not often associated with high quality journalism. In fact, the National Advertising Division (NAD) recently denounced a native ad placement in Star Magazine, which it claimed "blurs the line between advertising copy and editorial content." The magazine has since ended this ad campaign, but only, AMI stated, because the contract ended and not due to the objections of NAD.
Related story: In-Depth: Time Inc. COO of Sales Mark Ellis On New Selling Structure & Strategy
Ellen Harvey is a freelance writer and editor who covers the latest technologies and strategies reshaping the publishing landscape. She previously served as the Senior Editor at Publishing Executive and Book Business.
Denis Wilson was previously content director for Target Marketing, Publishing Executive, and Book Business, as well as the FUSE Media and BRAND United summits. In this role, he analyzed and reported on the fundamental changes affecting the media and marketing industries and aimed to serve content-driven businesses with practical and strategic insight. As a writer, Denis' work has been published by Fast Company, Rolling Stone, Fortune, and The New York Times.


text:
Individually designed and constructed in 1970, this 5 bedroom 3 bathroom Georgian style residence enjoys an idyllic setting adjoining open countryside, extending to over 2,900 Sq ft in total
Individually designed and constructed in 1970, this attractive Georgian style residence enjoys an idyllic setting adjoining open countryside offering far reaching views. Constructed of Cheshire brick elevations surmounted by a Kerridge stone flagged roof, the property features a double fronted façade with 16 pane windows to either side. The property is generously proportioned, extending to over 2,900 Sq ft in total, offering a versatile layout and tremendous potential for remodelling, upgrading and extension (subject to the relevant consents).
There are two particularly spacious formal reception rooms to the front of the property; a 19'11 dining room with stone flagged floor and door onto the gardens and a 23'9 dual-aspect living room. Both benefit from open fireplaces and a delightful aspect over the formal gardens and fields beyond. A central hallway links the reception rooms with the downstairs WC, cloakroom, shower room and in turn the open plan dining kitchen with separate utility room off.
To the first floor the galleried landing leads to a family bathroom and five double bedrooms, four of which benefit from fitted wardrobes. The master bedroom is served by a spacious en suite with fitted wardrobes.
Beck House is approached along a gravel driveway which provides off road parking for several vehicles and leads to the attached double garage with light, power and inspection pit. The formal gardens enjoy a high degree of privacy and have been beautifully landscaped, featuring a central gravel pathway with lawns to either side bordered by mature trees and hedging. A York stone patio adjoining the property defined by wrought iron railings provides the ideal space for outdoor entertaining.
View payable Stamp Duty for this property
A charming Georgian style property offering tremendous potential in an idyllic settingAndrew Thorpe


text:
This week on #Growth host Matt Bilotti sits down with G aka Guillaume Cabane aka the Mad Scientist and Drift's VP of Growth (and Matt's boss – no pressure).
Today they're talking all about tools – how to use them to accomplish tasks that others might do for 10x the cost or 4x the time. G talks through how he finds new tools (and why always being on the look out for new ones gives him and Drift a competitive edge) plus favorites in his stack and much more in this episode of #Growth.
You can get #Growth on Apple Podcasts, SoundCloud, Spotify, Stitcher or wherever you get your podcasts. Or listen to the full audio version below 👇
Like this episode? Be sure to leave a ⭐⭐⭐⭐⭐⭐ review and share the pod with your friends! You can connect with Matt Bilotti and Guillaume Cabane on Twitter @MattBilotti @guillaumecabane.
Subscribe & Tune In
In This Episode
0:18 – Introduction of Guillaume 'G' Cabane
0:35 – Introduction of today's episode topic: tools
1:10 – G shares his strategy on how to find new tools
2:53 – Why G thinks marketers don't try tools
4:14 – A tool in isolation has limited value; G explains how to find the full value in a tool
5:38 – Create a better experience for customers by using tools in ways competitors are not
7:30 – G's role broken down by Matt
8:54 – G explains Matt's role
9:19 – Growth team is the number one buyer of new tools at Drift
9:56 – G shares why the Growth team is the primary buyer of new tools at Drift
11:06 – G shares some secrets on how to get good prices on tools
12:19 – How G learned the art of free strategy research and free PR
13:14 – G on the next trend in tools
15:22 – G's last piece of advice: Will this tool enable you to create a better experience for your customers
15:33 – We are at the service of our customers, all we do is to create the best experience for them
Full Transcript
Matt Bilotti: Hello and welcome to another episode of Hashtag Growth. I am Matt, the guy with the beard, and I'm super excited today to have Drift's mad scientist, our VP of Growth, "G", Guillaume Cabane to join us today, which I am super excited about. Thanks so much for joining us, G.
Guillaume Cabane: Thanks, Matt. Hey everyone, I'm the guy with the French accent. What are we talking about today?
Matt: Yeah. Great question. So today we're gonna talk all about tools. I have been working with G for a year now and I've seen how he uses tools to accomplish things that other people do for 10 times the cost or it takes them four months longer to get implemented.
G: That's a good one.
Matt: And so, I watch you hack all these things together and find these tools and use them to achieve great things. I want to talk to you and ask you some questions around those tools. Does that sound good?
G: Yeah. Let's get started.
Matt: Great. So I want to start off with a question around how do you find new tools? I watch you roll in with lists of tools. Every single day it's, "alright, we should look at this thing or try this or that." Is it just people outbound emailing you all the time telling you about these tools or where do you uncover these things?
G: That's a really good question. I think part of it is strategy and part of it's just me being open to mistakes. I strongly believe that being on the lookout for new tools gives me competitive edge. And the reason for that is if you select tools and you stay with the same tools for six years, eight years, maybe longer, eventually what happens is that you work with the previous technology wave, and you can't compete with the marketers who are using the latest technology, and that's very clear. So, the question comes like, well, how much time do I devote to finding those tools, and how do I find them? And of course, some of it is people reaching out to me, and the fact that I do some public speaking here and there or some podcasts definitely helps because I always say, and I'll repeat it here, I will invest 10, 15 minutes looking into your tool and trying it out to see if I can get value from it if you send me a trial access. That's true for everyone.
That openness, though it seems reasonable, is not shared amongst most marketers. Most marketers will shut down and will invest zero minutes of their time looking into new tools. So, that's one part. The other part of it is, I have a pretty strong peer network and growth of people who recommend, talk about the new tools that they are testing, and so I do get that leverage.
Matt: You mentioned that marketers generally will shut down tools, or not try them, why do you think that is?
G: Yeah, because of just aggressive sales tactics, and they don't want to go, and I don't want to go into a sales demo and watch a slide deck about how the market on the other side has told their sales rep to pitch their tool in fantastic ways, and illusions of grandeur, right? And it's true, I hate that because it's going to be a 30 to 40 minute call where I get zero value. I might learn something, but I get zero value, and I can't prove that it's gonna be useful for me. The best way, honestly, just say, "hey, this is what we do, here's the trial access, go ahead," right? Because I'm good enough that I should be able to get value on my own, if I can't then there's an issue.
Matt: Okay. So let's say you find one of these tools, maybe you don't get it on a demo because you clearly don't like those, and you start trying it out, how do you find the value in something? Like, there are people listening here that are probably like, "okay, so they use tools, that's great, we all use tools," but I watch vendors come back to us and you specifically, you know, a month after you've had access to a tool, and they say, "whoa, I've never seen anyone do something like this with our tool before." How do you uncover that value in there, and is it just you being crazy coming up with this stuff? Or is there more to that? Can other people leverage that too?
G: Good question. I think everyone should be crazy, I think I'm crazy, but I think everyone should be crazy.
Matt: Agreed.
G: Yeah, you agree to the fact that I'm crazy.
Matt: Yeah.
G: We know that. I think that the tool in isolation has limited value. It has value, but it's rare that a tool in itself is going to be the eyeopener, the thing that's going to change my entire year, right? However, we already have a significant stack. If you're looking within the Growth team here at Drift, we have, I'd say between 30 and 40 tools that we actively use on a week by week basis, and the value we get mostly is by stacking those tools together and sending data, or using one tool in combination with another one. And that's what vendors don't see too often, is because most of their customers have a limited toolset, and they only use a tool in isolation, which means they only go with the use case that's recommended.
Now there's a thing I want everyone to understand here, the use case that is recommended, everyone's doing that. You're not getting a competitive edge, unless that tool is very new and no one is using it, but I'm saying, to take a fairly common tool, a tool that has ping, market, ping user base, and you go with the top two or three use cases. What are you doing to create a better experience for your customers that your competitors are not doing? Answer: nothing, alright? So how is that marketing better? Answer: it's not, alright? So, you're not gonna bring those customers from your competitor over to you. The only way you're gonna do that is by creating a different experience, and a better one, and that's only going to happen if you use the tool in a different way, in a way that creates value that others are not. That usually happens when you either hack the tool, or you ask for features that don't exist, or you just connect all three together, yeah. That's what I'm trying to do all the time. It's an active process.
Matt: Yeah. So, I feel like it could sound like you need to know how to code to put these tools together, right? You talk about stacking tools, right? Don't you need to be technical to know how to do that?
G: Here's a secret, I don't code. I cannot write a single line of code. So the answer is no, and sure, I'm gonna use stuff like Zapier or other things, and we also have some engineers, but most of the time, I do that without involving engineers, just on my own.
Matt: Okay. So you throw something together, what does it then look like to say, "alright, this is a thing that we should invest in more," or, you know, "we're gonna go onto the next tool," right? I'm sure that there's a lot of tools that you try out that you do that.
G: Yeah. And that's something I can bounce back to you in a second. How do we know when we have enough potential value? But just before I send that question back to you, I usually try to prove that the new use case, the value I'm creating, is possible on my own by using Zapier or whatever, I show it's possible, that there's a new use case that's possible, and then I will send it to Matt. What I'll do it, "hey, Matt. Here's this data point. I'm able to link it here and there, and change the user experience in that way." And then Matt is gonna go in and figure out what's the potential value of that new experience? You wanna touch a couple of words on that, Matt?
Matt: Yeah, sure. I wanna start off by saying, G makes it sound like he hands me this nicely packaged thing that's easy to understand, but usually it's like he's inviting me into his basement where there are papers all over the walls, and chalkboard marks everywhere, right? It's like this crazy set of things, but it's really cool, and he hands it over, and it works, right? It doesn't look great, it's kind of falling apart in some places, but it's functional and it's showing that it can accomplish something, and so I then will take that thing, see if it can stand on its on own for a little longer, and try to apply it to a couple different use cases, right?
So, maybe we're trying to figure out how to generate more leads right now, so a thing that we pieced together can apply to that sort of use case. Or we're trying to get people to engage deeper with the product, "huh, this thing can actually go here, right?" So we take this contraption that's been built, see if it can address a business need, or business problem, and if it's clear that it can and it does a few times over, then it becomes apparent that it's time to get an engineer to work on this. So it really is like G is building the MVP of what would take an engineer maybe two weeks to put together in the first place, he can throw it together in one of his crazy fits of inspiration in just a few hours.
G: Yeah, and I think then the role of Matt, who's the PM which is important because Matt's gonna evaluate not only the opportunity size, and also the potential cost, and the risk of this failing or going over cost, and then we say, "hey, should we do this thing or not?" Or, "should we kill it?" And sometimes, there is stuff that works in the contraption, but we don't do it because it's just not worth it.
Matt: Yep, 100%. And something that you mentioned a bit earlier is that the Growth team is the number, we're using like 30, 40 tools on a weekly basis, and something that we were talking about earlier today is that growth is actually, our Growth team, which is only seven people out of hundreds of employees at Drift, we are the number one buyer of new tools and vendors, what do you think that means? Is that a normal occurrence? Should the Growth teams be the main buyers? Are other teams missing an opportunity?
G: I think if every team buys as much market as we do, the finance team would go crazy. The security team would go crazy, and the legal team would just disappear. But, I think there's one thing, I think I have a natural appetite for tools, but they don't serve only our team, right? We service many different teams with what we buy, and some of our biggest purchases in value actually serve as the entire organization. So that's one thing, I think part of it is, this team is pretty good at getting good prices and so it's natural for us to handle some of those purchases, and some of it is, yes, the numbers, but the count of tools, the high count of tools we have in our team comes from the fact that we are trying to get that competitive edge. I know I'm repeating but it's important. We are trying to keep, maintain, preserve a competitive edge in our marketing stack so that we can have a competitive edge when we create a marketing experience.
That's why we're gonna have a large number of small tools, whereas most of the traditional teams will have a small number of traditional tools.
Matt: So you mentioned in there that I wanna pick apart, maybe share one of our secrets here, is you say we're good at getting good prices on these. How do you go about getting good prices on tools? I'm sure there are people out here that are like, "oh man, how do I get good deals?"
G: Yeah. Some of it's really hard to replicate and I don't want to give away too many secrets because we are to ourselves, and so I don't want people to be calling our reps like, "hey, I heard G say that, that's how I'm gonna get a good price." But, a couple of things, one, I cultivate very good relationships and I make sure that it's a two way deal, and that the vendor I'm buying from sees a value that's not only monetary, not only financial, and not everyone can create that, but I can, my team can because if successful, we will talk about our success in a public way. That's one. Two, we've given them a lot of product feedback. And three, because we're trying to use their tool in an unusual way, it is extremely common, it's frequent that vendors tools actually develop use cases that they then sell to the rest of the market based on what we have done with them.
So, often I pitch the fact that it's free product research, and free strategy sessions, and that they're gonna get free PR when we talk about it. And all of that does stack up, and that's how we're able to get really low prices tool after tool. Most of those people are begging us to be customers.
Matt: That's a pretty good spot to be in.
G: Yeah, yeah. I learned that strategy earlier in my career when I was working at Apple. My first boss has this way of having vendors come in and at the end of the discussion, they would talk about price. He would look surprised, offended, and he would say, "what? You want us to pay? You should have said that from the start! We're Apple. You should be honored to have us as a logo on your customer list, and you want money on top of that?" So, yeah.
Matt: That's hard to argue against.
G: Yeah, we're not Apple by any means, but I have kept that lesson.
Matt: Yeah, that's good. One of my final questions here is about the future of tools, right? We look at things like the MarTech landscape, there are thousands of different companies out there, like, even playing around with all these different tools for over a decade. Are there clear patterns or trends of where tools are going? Certain types of tools, certain models around the tools, like, where's the next step of tools?
G: Yep. I think MarTech is very much like the economy alright? It just follows economic cycles. Right now, we are in a cycle of rapid expansion in the market scene, we all know Scott Brinker's PDF, all those tools by category, it's insane, right? But eight or ten years ago, we were in a crunch phase, right? Where there was like, huge tools, like Marketo, and HubSpot and others who clearly dominated and what would crunch everything. And those tools, as they arrive at technology maturity, and they start to get like, slowed down by the technology choices they made, new and small vendors using newer technology can escape that kind of gravity well, and create an offering that is extremely competitive. They will grow, they will mature, and once they reach eight to ten years, those who have survived will head the same phase.
My expectation is that we're looking at a crunch and the number of tools over the next couple of years, probably two to three years, because the market doesn't expand fast enough to support those 5000 tools, and the increase in tools. And some of them will just reach maturity in technology. That's really what I'm seeing. The second thing that I'm seeing is that there's really two types of strategies. One is like, the tool grows by being very horizontal, and tries to cover a lot of scope, HubSpot and Marketo are good examples of that, and others reach maturity by being extremely vertical, and so owning an entire vertical extremely well. I think here Clearbit is a good example of that.
Clearbit is a data vendor, they try to do more, and more, and more data, they could expand into email, and to other things, and sales automation that is managed by data, but they're not, right? So those two strategies really oppose, and all of those are growing extremely fast, and so there's a crunch coming.
Matt: Alright. So if you're out there building these tools, listen to G's advice on this. If you're using tools, keep trying them out, push them to their limits, it's pretty amazing. I mean, I genuinely watch the stuff that he builds with combining all these tools and it's just this crazy stuff that no one's ever done before and it really is something special and adds a ton of value to the business.
G: Yeah. And before I let you go, do think, when you start a tool, "will this enable me to create a better experience for my customer than my competitors can?"
Matt: Mm-hmm (affirmative).
G: It's a competitive market, and we are at the service of our customers, right? All of what we do is decreed by their experience.
Matt: That's great. Customer always comes first, even when selecting your tools.
G: Always.
Matt: Alright. Well, G, thank you so much for joining.
G: Thanks.
Matt: Really appreciate it. All of you listening, thank you very much for listening wherever you are, if you're making dinner, or you're on your walk to work, really appreciate it. If you have any feedback, other things you wanna hear me talk about, other things you wanna hear G talk about, people you want me to interview and bring on this, just let me know. My email is firstname.lastname@example.com. Again, thank you so much, and I'll catch you on the next episode.
G: Six star reviews for everyone.
Matt: Six star reviews only.
G: See you soon.
Matt: Alright, see you.


text:
Shining a spotlight on securitisation
The Murray inquiry suggests the government could play a greater role in the residential mortgage-backed security market, encouraging greater competition and generating better returns for taxpayers.
The interim report of the Murray inquiry has found that on balance the banking system is competitive. Interest margins of the major banks are at historic lows, and return on equity is comparable to other large Australian businesses. However, the level of competition varies cross the banking sector.
As a potential means of addressing this issue, the inquiry is seeking further input into the policy option of providing direct government support to the residential mortgage-backed security market, or allowing RMBS to be treated as a high-quality liquid assets for the purpose of the liquidity coverage ratio.
Both of these options would seem to be a very direct and appropriate means of encouraging stronger competition across the total banking system, especially for smaller institutions.
The benefits of securitisation as a stimulant to competition were well demonstrated in Australia in the late 1990s. The introduction of residential mortgage backed securities had a major impact on competition in the mortgage market, with the emergence of non-traditional players, funded through this market rather than through deposit funding. Although non-traditional mortgage providers were only a very small part of the market, the margins on home loans fell from 4 to 1.5 percent over the period 1996 to 2000.
For the new entrants and for capital constrained institutions, such as smaller banks and mutual building societies and credit unions, the mechanism of securitisation allowed such institutions to extend credit on low-risk housing loans and then to on-sell to investors. Selling loans off balance sheet allows institutions that are capital constrained due to higher capital adequacy requirements or a mutual structure to extend credit and more readily compete with larger organisations.
The appetite of international and domestic investors for these high-quality fixed interest securities played a key role in supporting the domestic securitisation industry. In the decade prior to the beginning of Global Financial Crisis in 2007, issuance of Australian RMBS increased from around $5 billion dollars to almost $50bn dollars. More than half of these RMBS were issued in foreign currencies and purchased by international investors, primarily American and European.
The events that occurred post-GFC, however, also show the fickle nature of international capital and the potential impact reliance on international capital flows can have on the functioning of real economies and real industries. In 2008, Australian RMBS issuance decreased to around $8bn dollars, none of which was purchased by international investors.
This sharp reduction in the purchase of RMBS had the potential to wipe out the securitisation industry in Australia, and had a clear impact on the interest rate spreads on mortgage finance which remain around twice their pre-GFC levels.
Consequently the suggestion that the government should intervene to support securitisation has considerable merit, as a means of further encouraging competition in the banking market. While both direct government support to the RMBS market or including RMBS as a high-quality liquid assets within the liquidity coverage ratio have merit, the former has been done before with great success.
In late 2008, following the withdrawal of international capital inflows, the Australian Office of Financial Management began purchasing RMBS to provide support to the industry and thereby increase the flow of funding to lenders. AOFM intervention kept the securitisation market alive at a critical time, and provided a great demonstration of timely and appropriate regulatory intervention. In 2009, domestic investors again increased their investment in Australian RMBS and by 2011, domestic investment had returned almost to pre-GFC levels.
With the passing of time, international investors have still not yet returned to the Australian market, possibly as a result of the reputational damage that poor-quality RMBS generated in the US market at the time of the financial crisis. As the Murray inquiry has suggested, there would appear to be some form of market failure in place in this regard. The opportunity therefore exists to further support this market in the domestic economy.
Not only does such intervention in the market encourage competition, but such investments by the AOFM actually generate returns on the taxpayers' investment. Hard to see why such a measure should not be encouraged.


text:
Connells Estate Agents in Stratford upon Avon offer a wide range of property services to buyers, sellers, tenants and landlords. Whether you are looking to buy, sell, rent or let, the Connells team, led by Amy Bell, has many years of combined experience in the property market. Our office is located in the heart of Stratford upon Avon, on Meer Street and our excellent local knowledge will help you with your next move.We have properties for sale and to rent in Stratford upon Avon as well as Bidford on Avon, Alcester, Lower Quinton, Welford on Avon, Tiddington, Snitterfield and other surrounding villages. We have regular demand for properties within easy access to the M40 motorway network, access to local railway stations and within reach of well regarded schools. We take great pride in our work and have a passion for property and service. For Landlords and Tenants, the Connells Lettings Team offers specialist advice on all aspects of lettings and property management.Leigh Eastham our Mortgage Consultant can assist with new purchases, remortgages, insurance needs and Wills.Our experienced team are always looking for more properties to sell or let - please contact the sales team on 01789 266204 or the lettings team on 01789 292228.As part of a national estate agency network, we help at every step of moving home, from property valuations, mortgage services, marketing packages to Energy Performance Certificates and more. More >
11B Meer Street, STRATFORD UPON AVON, Warwickshire, CV37 6QB
T: 01789 266204 (Residential)
E: email@example.com (Residential)
T: 01789 292228 (Lettings)
E: firstname.lastname@example.com (Lettings)
This website uses cookies to improve the overall performance of the site and give you the best user experience. By continuing to use this website you are accepting the use of these cookies.
Find out more.
This website uses cookies to improve the overall performance of the site and give you the best user experience.
By continuing to use this website you are accepting the use of these cookies. Find out more.