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April 27, 2018
On April 26, Bühler officially opened its new manufacturing and R&D center in Changzhou, China.
The facility would serve the animal nutrition industry by producing solutions for livestock, aquaculture and pets, while also catering to the grain logistics business.
The 200,000m2 green field construction is Bühler's latest addition to its global supply chain and service network. The facility is a state-of-the-art manufacturing plant that meets the highest Swiss quality standards for the global animal feeds and grain logistic markets. It includes a comprehensive animal nutrition R&D Application Center which spreads over four floors at 5,200m2.
The facility is operated by around 15 Bühler employees working on two pilot plants. One of them will be focused on the development of feed processing technologies while the other is focused on grain logistic applications.
Bühler has positioned itself as a well-established player with significant market share in the Chinese and Asia-Pacific region, generating over one-quarter of its turnover in this region.
"This region has seen tremendous growth in the past years and we are confident we will see further growth. Also, our strong manufacturing base in China will further expand Bühler's global supply chain, which is why we have established this brand-new manufacturing facility," said Dieter Voegtli, president of sales and services at Bühler.
The three-day opening event attracted over 400 customers and partners from over 30 countries.
During the event, Bühler continued its successful series of the Networking Days with a specific focus on animal nutrition, bringing together key players in the industry. Top speakers from the animal nutrition business and top scientific institutions from China, Europe and the US presented the latest developments and their view of the future with regard to sustainability, animal nutrition, food and feed safety, as well as the impact of the Internet of Things on the animal feed industry.
Bühler's general manager, Shao Liping, explained that the facility's factory is not only equipped with the most advanced Bühler machines, but is also operated with the most modern production management systems.
Tian Li, senior vice president of the Haid Group said: "Haid will continue to work with Bühler on new construction projects both at home and abroad. We put faith in Bühler's manufacturing philosophy of always striving for perfection and its longstanding brand culture. With this R&D and manufacturing center, we expect to see continued growth and innovation from Bühler. I believe Bühler Changzhou will serve as a leading player to push forward industry equipment upgrading."
The event concluded with visits to three plants in the region. Bühler selected those sites to provide its guests profound insights into the Chinese feed industry.
"This was an impressive event with hands-on industrial insights into the feed industry in China and the capabilities Bühler can deliver," said KC Ong, country director of the Gold Coin China Group.


text: Characterized by directness in manner or speech; without subtlety or evasion. Synonyms: blunt, forthright, frank, free-spoken, outspoken, plainspoken, point-blank, straight-from-the-shoulder. "A blunt New England farmer" , "I gave them my candid opinion" , "Forthright criticism" , "A forthright approach to the problem" , "Tell me what you think--and you may just as well be frank" , "It is possible to be outspoken without being rude" , "Plainspoken and to the point" , "A point-blank accusation"

subset: commoncrawl


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A McKinley town hall? Why should he bother -- Ogden papers treat him as though he is running unopposed
From the Town Hall Project
March For Our Lives
From Huffington Post:
March For Our Lives partnered with Town Hall Project, a volunteer-based initiative that identifies and promotes congressional forums, to help students organize each event, known as a "Town Hall For Our Lives."
By Friday afternoon, there were more than 120 Town Hall For Our Lives events listed on Town Hall Project's website, with over 30 Democratic members of Congress having organized or accepted invitations to the forums.
But their Republican counterparts failed to accept a single invitation to a Town Hall For Our Lives, causing the bulk of the events to be planned as "empty chair" town halls, in which the invited lawmakers aren't expected to show up.
It should surprise no one that Representative McKinley is not holding a town hall.
Why should an elected official hold a town hall?
(1) The idealist would answer that meeting face-to-face with constituents is essential to a democracy.
(2) The pragmatist might argue that it helps get candidates elected or re-elected and that it is an effective way for constituents to have their voices heard.
(I previously wrote a much longer answer here.)
Why bother with town halls, however, if the dominant media treats a candidate as if he/she is running unopposed?
I wrote about this last week. Ogden Newspapers, which is probably the single most important news source in this congressional district, has not mentioned any of McKinley's potential opponents (other than listing them as running for office) for over four months and one of those candidates has never garnered a single word beyond acknowledgement that he is running for the office.
Compare that with David McKinley's coverage. Does a week go by when he is not featured on the front page (with picture) or given space for an op-ed on the editorial page? For example, at the top of this morning's front page is a story about his having visited a class at West Liberty University. Okay, he is our congressman but that doesn't explain why a student asking about student debt should be one of the top stories of the day. Like his discussion with pharmacists last week, this does not meet any definition of news.
Tomorrow: It's not about incumbency, it's about party affiliation and the Ogden papers have dropped all pretense of fairness and objectivity.


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Data breach incidents are on the rise and they have small businesses dialed into their sites. In fact, 63% of all reported breach attacks in 2009 were perpetrated on companies with less than 100 employees, according to the U.S. Secret Service.
That's not surprising considering that most small to mid-size businesses cannot afford sophisticated breach prevention measures. What is surprising to most business owners is that there are actually solutions available that are either no cost or low cost that can significantly reduce their exposure to data breach risks.
So pull your head out of your ASSets long enough to learn how to better protect your business from becoming a victim of a data breach.
According to the recently released 2011 Data Breach Investigations Report conducted jointly by the U. S. Secret Service and Verizon Communications Risk Team with additional data from the Dutch High Tech Crimes Unit, small businesses can better protect themselves against data breach incidents by implementing a few key measures. The findings actually support that most data breaches should never have occurred or could have been prevented.
Simple prevention measures include:
- Better training for employees and customers to recognize the signs of fraud.
- Creation and adoption of an incident response plan
- Restrict and monitor privileged users and contractors
- Change default credentials and network passwords often
Although companies such as Sony, Epsilon and TJ Maxx grab the front page headlines with their high profile data breach incidents, they more than likely will not go out of business because of it. Small businesses are different.
Take the case of Rich Griffith whose Burger Me LLC saw his business destroyed after a data breach incident occurred when his computerized cash register was hacked. The criminals made numerous unauthorized charges on Burger Me's customer's credit cards. Because of this Mr. Griffith's credit card company refused to allow him to take credit cards and put a hold on his account effectively slowing cash flow to a trickle. Eventually, Griffith closed Burger Me and is now in debt over $12,000 for the cost of investigation and remediation costs, not to mention losing his dream.
In another case involving a Chicago newsstand operator, thieves targeted his registers with a software program that ubiquitously snatched the credit card information from his customers. The credit card information was then sent to Russia to use for fraudulent credit card transactions against his customers. The owner then was contacted by MasterCard and was informed that he needed to conduct an investigation which subsequently cost him $22,000. While he did not lose his 2 newsstands, he is burdened with a blow to his reputation and the costs associated with the breach.
These examples illustrate how vulnerable all small businesses are to the risks and costs of a data breach incident. Any business that accepts credit cards or stores any customer data such as emails, addresses, names of contacts, and FEIN numbers is at risk of having that data stolen and used against them. Cyber thieves see small businesses as ripe targets as they do not have sophisticated measures to combat their efforts. Thus, when a pizza place that takes credit cards over the phone or through their website, gets hacked it can cost their clients $1000's in unauthorized charges, but it can also cost the pizza joint plenty to restore its reputation with customers not to mention the additional cost of investigations and notifying customers in a compliant manner. And yes 46 states now require some form of timely notification should a breach occur.
But it doesn't have to be that way. There is a solution that does incorporate an all encompassing plan that can reduce the likelihood of a breach and should the worst happen, covers the business for certain costs associated with responding to and recovering from a data breach incident on their business.
IdentityIntact For Business is a data breach protection service platform that can assist businesses in educating their employees as well as provide insurance coverages that can defray the cost of investigations, compliant response and the defense of lawsuits associated with stolen data.
Because the service takes a far reaching approach to educate employees as well as provide insurance for the costs associated with data breach, IdentityIntact for Business can help to reduce the amount of risk exposure in the first place. They provide a Preparedness Toolkit that encompasses a wide range of templates and assessments that can be used by existing businesses to better prepare their HR and IT departments as well as help quantify the identifiable risks a business has with regards to its data security.
The main advantage to this plan over others that have popped up recently is not just that they have been perfecting the service since 1997, but in the fact insurance alone is not the end all be all of protection. Having all of your employees understand what spear phishing is (the use of look-alike emails and websites that can lure even the most loyal employee in to giving up sensitive information) or even making them aware that they need to change up passwords to sensitive data areas on a regular basis can significantly reduce your exposure.
The IdentityIntact for Business service plans give business owners additional tools that they can create a reduced risk environment for data breach including:
- Information Security Review Protocols
- A written Information Security Policy template
- Red Flag Gap Analysis worksheets
- Templates for writing a Red Flag Plan for Detection, Prevention and Mitigation of Identity Theft for Covered Accounts
- Policies and Procedures for Incident Response
The goal is to assist businesses Protect, Prepare and Respond to data breach risks in a way that simplifies the issues and identifies where there are serious gaps in security or procedures. This invaluable instrument is only made better by the inclusion of insurance coverage options including:
- Business Identity Fraud Insurance
- Information Security & Privacy Liability Insurance
- Employee (Personal) Identity Fraud Insurance
- Data Breach Incident Response & Consumer Remedies
Data breach doesn't have to destroy a business and having protection for such an incident can actually be a selling point when dealing with other companies. I can see a day coming soon when a data security review will be as prevalent as a credit reference check and possibly more important in the long run. When businesses decide to work with one another, particularly those that must pass certain sensitive data to complete their tasks, a review of data security will most certainly be included prior to the partners actually doing business. This level of scrutiny is not the case today, but I see it happening in the near future and affecting small businesses ability to move forward with their business models. If your data is not secure and you don't already have a data breach preparedness and response plan in place now, you will very soon.
I highly suggest you take a look at IdentityIntact for Business as a way for you to be able to protect your business and also as a major selling point when working with other businesses. It's your ASSets and they need protecting.


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Spanish soccer fans are in danger of missing the national team's World Cup 2014 qualifier away to Belarus later on Friday as no television broadcaster has agreed to pay the price set by rights holders Sportfive to show the match in Spain.
Mediaset Espana's Telecinco channel typically broadcasts the world and European champions' away matches but by Friday morning had failed to reach a deal with Sportfive, part of France's Lagardere media group.
Mediaset's director of sports Jose Javier Santos told Spanish radio on Thursday that Sportfive's original asking price was three million euros ($3.88 million) and that had later been cut to 1.5 million euros.
Mediaset's offer was "a long way from that", he said, adding that as far as he knew no other broadcaster was bidding.
Local media reported it would be the first time a Spain World Cup qualifier had not been shown on national TV.
A Spanish soccer federation (RFEF) official, who was not identified by name, was quoted as saying in As sports daily on Friday that they hoped a deal was still possible.
The situation had arisen because declining advertising revenue and the economic crisis had reduced the amount of money broadcasters can spend on buying the rights to sports events, the official added.
"It worries me that people in Spain might not be able to see the match and follow their national team and it would leave a bad taste," Spain coach Vicente del Bosque told a news conference in Minsk on Thursday.
The Sat & PC Guy. Costa Blanca Satellite TV Installations. UK TV Spain. Sky TV Spain. Freesat Spain. Sky TV Gandia. Sky TV Oliva. Sky TV Valencia. UK TV Valencia. Installations Maintenance Reception Problems and Repairs for the Costa Blanca, Costa Azahar, Valencia and Alicante provinces - Valencia to Calpe, including Gandia, Oliva, Denia, Pego, Javea, Cullera.
Friday, October 12, 2012
Belarus v Spain - World Cup Qualifier - not on TV!!
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Home The estate News Business Opportunity - The Walled Garden, Ford
An opportunity has arisen to lease this Grade II Listed 19th Century walled garden within beautiful historic location.
Built in the mid-19th Century for the Marchioness of Waterford, the Walled Garden remains a beautiful example of craftsmanship within 100 yards of Ford Castle. Run as a plant nursery for many years, there are a wide range of other possibilities for the garden. Large areas of the site have been cleared and the garden, a seculded and secure space, offers a blank canvas for new ventures.
Further details ca be found here


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Intel has announced that the sale of its smartphone modem business to Apple is now complete.
Intel Corporation today announced it has completed the sale of the majority of its smartphone modem business to Apple. This transaction, valued at $1 billion, was announced on July 25, 2019. As previously disclosed, this transaction enables Intel to focus on developing technology for 5G networks while retaining the option to develop modems for non-smartphone applications, such as PCs, internet of things devices and autonomous vehicles.
Following the acquisition, Apple reportedly set an aggressive timeline of 2022 for the launch of its own 5G modem. Given the amount of development, testing, and certification that needs to be done, its likely company will have to push hard to meet this goal.
Apple is expected to update the iPhone with 5G support next year but it will use a modem supplied by Qualcomm.
Please download the iClarified app or follow iClarified on Twitter, Facebook, YouTube, and RSS for updates.
Apple's Acquisition of Intel's Smartphone Modem Business is Now Complete
Intel has announced that the sale of its smartphone modem business to Apple is now complete.


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Factors You Should Consider When Looking for a Good House for Sale
In all the homes there are houses which offer security, a place to rest and enjoy privacy. A house may be either permanent or temporary. A permanent house is built with permanent materials such as stones and concrete while a temporary house is made of materials such as grass and canvas. There are many reasons why you may need to acquire another house. A house is considered part of real estate since it has a high value and it is immovable. Today, there are companies which have been established in order to sell houses with an aim of making a profit. Below are factors you should consider when looking for a good house selling company.
The best house selling companies have permits. A permit is a document provided by the relevant bodies and acts as a go-ahead in the provision of goods and services. An incompetent house selling company should not get a permit. The permit has an expiry date hence it should be renewed from time to time.
A good house selling company should have attractive prices. In spite of a house being constructed in a good design, it should not possess exaggerated prices. Since the number of house selling companies is high, a buyer is expected to compare their pricing before choosing one. It is also good to have a budget on the purchase of a house in order to avoid overspending.
A good house selling company should have a website. A company needs to have an online presence in order to market its products and services effectively. Some of the details which should be on the site is; telephone numbers, client feedback, links to social media, details about houses for sale and about the company. In order to pull in more clients, the site should be designed by competent web designers.
A good house selling company should have eliminated all the hidden costs. Hidden costs results to increase in the cost of a house. Some of the hidden costs are; insurance, renovation, closing costs, mortgage and utility costs. You should buy a house for example from a Pacific Beach real estate company which has no hidden costs in order to spend the right amount of money.
Before you settle on a house selling company, you should consider the reputation. The reputation is the degree to which the clients and the members of the public have trust and confidence in houses and services offered by the company. You will never regret buying a house from a reputable house buying company since they have better products and services. Reviews, customer feedback, and testimonials will enable you to determine if a house selling company is reputable.
Interesting Research on Houses – What No One Ever Told You


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HR Masterclass Series: We're going virtual! New courses, new formats!
Review the 2020 masterclasses here »
A new piece of research has added more support to the claim that open plan offices are detrimental to employees' productivity.
A study by the University of Sydney has found 49% of those working in an open plan office are dissatisfied with their working conditions.
The study, which has been collating responses from more than 40,000 people since 2000, also found the levels of dissatisfaction were higher among those in open plan cubicles with high partitions (59%) and low partitions (58%).
This latest research backs up former studies such as this, and this. But despite the increasing evidence against it, the concept of an open layout looks like it's here to stay. So, what can you do to make an open office plan work for you?
Here are three things to consider, if you want turn the lack of privacy into productivity.
1. Be considerate
As Ghandi said, "Be the change you wish to see in this world". If you want to create a more conducive working environment, it has to start with you.
Avoid distracting colleagues by putting your phone on silent, not yelling across work stations or speaking too loudly to colleagues or over the phone.
If you need to hold a discussion at your desk, do so when your neighbours are not around or try and keep the conversation short. Along the same vein, if you have to play music at your desk, keep it at a respectable volume.
2. Be strict with distractions
It's much harder to keep colleagues at bay when there aren't physical boundaries keeping them out of your personal workspace.
Set up a system with the colleagues sitting closest to you so they know when you're not to be disturbed. For example, putting on a pair of headphones not only signals that you're busy and would prefer not to be disturbed, it also helps you disconnect from the rest of the noise in the office.
4. Keep clutter to a minimum
Again, this boils down to being a considerate neighbour. Unlike a cubicle, open plan offices mean there are few physical markers by which to mark your territory.
Need a refresher on why messy desks can increase your stress in the morning? Click here: The truth about a messy desk (GALLERY)
Are you working in an open layout office, or do you have more advice to share?
HR Masterclass Series: We're going virtual! New courses, new formats!
Review the 2020 masterclasses here »


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Jakarta (31/10) – Property developer PT Intiland Development Tbk (Intiland; DILD) reported its financial performance for the nine months of 2018. According to its consolidated financial statement for the period ended September 30th, 2018, the Company booked Rp2.4 trillion in revenues, a 40 percent rise compared with Rp1.7 trillion recorded in the same period in 2017.
Intiland's Director of Capital and Investment Management, Archied Noto Pradono explained that the increase in revenue was supported by, among others, recognition of land sales which is classified as non-core business category. The land sales was recorded under the residential development segment. Other contributors of this segment were projects such as Serenia Hills in Jakara, Graha Famili and Graha Natura in Surabaya, and Talaga Bestari and Magnolina Residence in Tangerang.
"Landed Residential segment was able to contribute Rp1.2 trillion or about 50 percent of the total revenue. Compared with last year, the revenue from this segment surged by 255 percent," said Archied.
The mixed-use and high-rise development segment contributed Rp729.1 billion or 30 percent to the total revenue. As for the Industrial Estate development segment, the sale of land at the Ngoro Industrial Park in Mojokerto contributed Rp54.7 billion or two percent to the total operating revenue.
The investment properties segment, which is a source of recurring income for the Company, contributed Rp430.6 billion or 18 percent to the total revenue. The figure is a 24.5 percent increase compared with Rp345.9 billion recorded in the nine month period in 2017.
Archied remarked that the increase in recurring income from the investment properties segment was mainly supported by higher revenues from offices rentals, such as at South Quarter and Intiland Tower. In addition, recurring income in this segment were generated from rental of retail spaces and warehouses, as well as management of sports clubs and golf courses.
"The majority of the recurring income was from management of facilities and amenities, offices, and industrial estates," he added.
In terms of revenue sources, development income contributed Rp2 trillion or 82 percent to the total revenue, while recurring income from investment properties contributed the remaining Rp430.6 billion or 18 percent of the total revenue.
"In general, revenue performance in this year is better compared with last year. Numerous projects are entering completion phase and as a result sales can be fully recorded as revenue," explained Archied.
Although revenues grew, the Company's profit declined in the nine months of 2018. The Company recorded a gross profit of Rp719 billion, a slight increase compared with Rp706 billion recorded in the same period in 2017.
The Company booked an operating profit of Rp202.1 billion, a 20,6 percent drop compared with the same period last year. The Company's net profit was Rp123 billion, down 47 percent compared with Rp233 billion booked in the same period last year.
"The drop in net profit was primarily caused by increases in interest expense on working capital needed to complete construction of projects. Other factors for the decline include reduction in gross profit margin from sale of non-core assets and higher cost of sales," Archied explains.
Sales Performance
The Company projected that the property market condition until the end of the year will have little to no change and is yet to fully recover. Market conditions along with weak consumer interest to purchase and invest in property will continue to put pressure on sales performance.
In terms of sales performance in the nine months of 2018, the Company has booked marketing sales valued at Rp1.6 trillion or 48 percent of this year's sales target. The figure is 40 percent lower compared with the marketing sales of Rp2,7 trillion recorded as at September 30, 2017.
Archied noted that one of the factors that caused the drop in sales performance was weaker consumer interest in which they adopted a wait-and-see attitude. Another contributing factor was the lack of new projects launched in the last nine months of this year.
The mixed-use and high-rise development segment was the largest contributor to marketing sales with Rp1.1 trillion or 71 percent of total sales – followed by the landed residential development segment with Rp405 billion or 26 percent of total sales. The largest sales in the latter segment were from Graha Natura in Surabaya and Serenia Hills in Jakarta.
The industrial estate development segment booked Rp45 billion in marketing sales or three percent of overall sales. The contribution was from the sale of industrial land at the Ngoro Industrial Park in Mojokerto, East Java.
By location, Archied said that projects in Jakarta and surrounding areas contributed the largest to the marketing sales with Rp1.2 trillion or 80 percent of overall sales. The remaining Rp319 billion or 20 percent came from sales of projects located in Surabaya.
The Company is keeping track on all trends and market changes. The factors that can affect development of the property market next year include changes in consumer buying interest, investment trends, and government policies.
Intiland's management expects a speedy recovery of market confidence in the property sector. Furthermore, the management expects that stable macroeconomic conditions, lower interest rates, relaxed tax regulations, and enactment of laws on property ownership for foreigners can act as catalysts for the market to reinvest in the property sector. ***
About Intiland
Intiland is a leading Indonesian real-estate developer with over 45 years of heritage. Listed on the Indonesia Stock Exchange since 1991, Intiland is known to be a trend-setter and innovator in the Indonesian property industry. Over the years, Intiland has developed some of the nation's most iconic buildings such as its two flagship office towers in Jakarta and Surabaya designed by the late Paul Rudolph, and The Regatta, a seafront luxury condominium in Pluit, North Jakarta, designed by Tom Wright (of Burj Al Arab fame). Its main township development in Surabaya, Graha Famili, has become one of the city's most prestigious addresses. Today, Intiland's diversified real estate portfolio includes residential townships, office towers, high-rise apartments, hospitality, industrial estates as well as sports and golf club management. Intiland is also actively involved in various efforts to develop industries and the improvement of the society. The Company is one of the corporate founders of Green Building Council Indonesia and has been running Intiland Teduh, a program established to help low-income families to have decent homes. Intiland embarked on a journey to become the leading lifestyle concept property developer in Indonesia, and is ever closer to achieving this objective.


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@ Barnett's World
My Sites
How to Contact Me
Due to the incredible amount of spam that has been sent to me due to this web page, I've had to remove the e-mail form from this web page.
To send me a message, either leave it on one of my guestbooks, or visit my SystemArchive.com web site.
In the future, I plan on a whole new web site that will hopefully not be as susceptible to spam.


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Although the entirety of Heath Ledger's $16 million estate will go to his young daughter Matilda Rose, as his family announced earlier, there is still controversy bubbling around the late actor's death that could keep some funds from his heir.
A $10 million life insurance policy that Heath bought months before his death is being contested by Minnesota-based ReliaStar Life Insurance Company, which has not paid out the amount to Matilda.
And now a former attorney for Heath who arranged the policy on the actor's behalf, John S. LaViolette is suing the company for trying to avoid paying, according to the Associated Press.
While Heath's name is not on the lawsuit, it was filed in July on behalf of "a man who died of "accidental causes on January 22, 2008," the day Heath was discovered dead of an apparent accidental prescription drug overdose.
TMZ reports that the company is also saying that Heath lied on his application for the policy when answered questions about whether he was taking prescription drugs when he filled out the application and whether he ever used illegal drugs.
CLICK HERE for OK!'s look back at the brief but brilliant life of Heath Ledger.
While a spokesman for ReliaStar tells the AP that the insurer has made no decision about whether to pay the claim, TMZ says that the company is delaying paying the policy while they investigate whether or not Heath's death could have been a suicide, even though officials ruled that it was an accident.
For access to all our exclusive celebrity videos and interviews – Subscribe on YouTube!


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Topflight Stamps, LLC
Alexandra Renke - Steel Dies - Pumpkins
The Die 'Pumpkins' is a great way to make your cards for Halloween. Our Dies (stamped stencil) developed with love in our own factory give you the opportunity to spread your creativity in designing cards and scrapbooks.
Using your imagination you can develop lovely unique items.
For use in most leading die cut systems!
Matrial: 100% Steel
Size: a) 0.73 x 0.67 inches
b) 0.6 x 0.75 inches
c) 0.62 x 0.59 inches


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Denise Richards, the ex-wife of Charlie Sheen and mother of his two children, is congratulating Charlie and girlfriend Brooke Mueller on their engagement!
"I am genuinely happy for the two of them," Denise tells People. "In fact, I sent them flowers to congratulate them both. I've spent time with her, and my girls really like her. That's all that matters to me."
Charlie, 41, and Brooke, a 29-year-old real estate investor, have been dating for more than a year. Us Weekly first broke the news yesterday that the couple decided to get hitched while vacationing in Costa Rica, when Charlie sealed the deal with a $500,000 ring!
He and Denise split in 2005 in what appeared to be a bitter breakup, as Denise filed for divorce while she was pregnant with their second child. They have two daughters together, Sam, 3, and Lola, 2.
The two have since been friendly, and Denise was even spotted shopping with Brooke earlier this week!
Denise, 36, recently split with Richie Sambora after more than a year together, but she's shooting down reports the breakup came because Richie, 48, wouldn't propose.
"That is 100 percent completely false," she tells People. "There were a lot of rumors about our relationship from day one and we broke up for many reasons. Richie is a great guy and an amazing father. I really wish him well."
Related Stories:
|Click on an image to view the DENISE RICHARDS photo gallery!


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If you can't find what you are looking for at Cumbrian Cottages, click here to visit Cottages.com and browse over 19,000 properties from all of our collections, all of which are inspected and graded to ensure you find the perfect cottage.
Book your short break or week away with 0% credit card fees.
Situated in the centre of Pembrey and attached to the owner's guest house, conveniently located to explore all the local attractions. Great for walkers, cycling and outdoor activities. Just 1.5 miles from the Pembrey Country Park and beach, also close to the Millennium Coastal Path and cycle track. Golfing is available at the Jack Nicklaus course. Pembrey race circuit is nearby and also Ffos Las Racecourse. Within walking distance of Burry Port harbour and ideal for visiting castles and historical places of interest. Further afield is the Gower Peninsula with its stunning beaches and cliffs, shopping at Swansea town or Carmarthen, or take a fun day trip to Oakwood Theme Park or Folly Farm. Shop and restaurant 0.25 miles, pub opposite.
Read more about Adeline
In the north east of the County at Pumsaint is Dolaucothi Gold Mines, a Roman gold mine set in the wooded hillside, overlooking the lovely Cothi Valley. There are guided tours of the underground workings, gold panning, exhibitions on gold and mining history and working trains on the mine floor.
At the north west of Carmarthenshire on the River Teifi is Newcastle Emlyn with its ruined castle. The river is famous for world-class fishing of sea trout, salmon and brown trout, the town is a popular base for fishermen. To the west at the beautiful Cenarth Falls is the National Coracle Centre, where coracles are made in the workshop. The Teifi Valley Railway, created from a branch line of the Great Western Railway offers a two mile journey through the beautiful Teifi Valley, a chance to enjoy the age of steam. Four miles east of the town the National Woollen Museum tells the story of the woollen industry of Wales, with demonstrations of spinning, weaving and displays of traditional Welsh textiles.
At Whitland in the west of Carmarthenshire is another of the Counties remarkable gardens, Hywel Dda Gardens and Interpretive Centre, commemorates Hywel ap Cadell, 'King of all Wales' in the ninth and early tenth centuries. The only garden in Europe dedicated to the law, the memorial is divided into six small gardens, each representing a section of the law.
The seven mile beach at Pendine Sands in the south west of Carmarthenshire is famous for land speed records, where Malcolm Campbell broke three records. Visit the Pendine Museum of Speed, to see some of the record-breaking vehicles. To the north is Laugharne, with its picturesque castle, overlooking the Taf Estuary. Laugharne was the home of the poet Dylan Thomas, the Boat House where he wrote "Under Milk Wood" is open to the public. To the north is Llansteffan Castle built by the Normans, near the site of an earlier Iron Age hill fort.
Across the estuary on the eastern side of Carmarthen bay is picturesque town Kidwelly with Kidwelly Castle, one of the best preserved medieval castles in the County. Kidwelly Industrial Museum interprets the former industries of Carmarthenshire, tinplate, coal mining and brick manufacture.
To the south is Pembrey Country Park, encompassing Pembrey Forest and the seven mile beach at Cefn Sidan Sands. A superb award winning beach providing the main attraction for visitors but there are a host of family attractions in the adjoining 500 acres of glorious parkland including dry ski slops, tobogganing, pitch and putt, crazy gold and an adventure play ground. Eight miles to the east is Llanelli , an attractive town, situated at the mouth of the River Loughor. The Llanelli Millennium Coastal Park is the largest land reclamation scheme undertaken in Wales, over 2000 acres of industrial wasteland have been restored to create a coastal path and cycleway between Pembrey Country Park and the National Wetland Centre.


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The DEWALT DWE6423 Random Orbital Sander has a variable speed motor that adjusts from 8,000-12,000 orbits per minute, providing the ideal sanding speed for all materials. Offering low vibration operation for extended usage without fatigue. With a controlled finishing system that controls pad speed and minimises gouging during start up.
The sander has a textured anti-slip top and body grip that provides ultimate comfort and control during use. The dust-sealed switch prevents contamination and it's sealed 100% ball-bearing construction provides longer life. The sander also features a built in dust extraction port allowing direct connection to a dust extractor, or DEWALT AirLock system.
Uses hook & loop paper for consistent adhesion and fast changing.
Supplied with a fabric dust bag with built-in extractor ports.
Input Power: 280WOscillating Speed: 8,000-12,000/min.Oscillating Diameter: 2.6mmBase Plate: 125mmWeight: 1.28kg
DEWALT DWE6423 125mm Random Orbital Sander 280W 110V Version.
Input Power: 280WOscillating Speed: 8,000-12,000/min.Oscillating Diameter: 2.6mmBase Plate: 125mmWeight: 1.28kg
This product has a WEEE code of 571 associated with it, for more information on recycling and weee please view this.
1 x DEWALT DWE6423 125mm Random Orbit Sander 280W 110V
All Prices Shown are Inclusive of VAT


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- Nutcrackers
- >
- Kurt Adler & Hollywood Nutcrackers
- >
- 11-Inch Hollywood™ Penguin Hat Nutcracker
11-Inch Hollywood™ Penguin Hat Nutcracker
per item
Hollywood™ Nutcrackers is a whimsical collection of nutcrackers created exclusively for Kurt S. Adler, Inc. and features an assortment of designs that put a unique, vibrant, memorable twist on traditional nutcrackers. This 11-inch Hollywood™ Penguin Hat Nutcracker is an adorable addition to any holiday decor or nutcracker collection. This nutcracker is wearing white and cool shades of icy blue; topping his crown is a family of black and white penguins to complete his wintry look.
Order online or pick up in store today!
Drosselmeyer's Nutcracker Shoppe's selection of working nutcrackers is a wonderful surprise. Find unique, vintage, functioning nutcrackers for sale in the store and online.
1 available


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Our proven camera systems ensure that your construction and agricultural machinery is safe on and off the track by providing you with a full view on all sides of your vehicle and of every manoeuvring situation. You can even keep an eye on bale ejection, without having to turn around.
We offer a full range of equipment, including monitors in many sizes, shock-resistant electronics, connectors for all vehicle types and lots more. If you like, we can also customise individual components to suit your wishes and requirements.


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Just about every single, straight male out there knows that it's not always easy to make a woman feel the same way about you that you feel about her. When a guy feels like he is falling for a woman, the worst case scenario is that she does not feel the same way. Unfortunately, this scenario happens all too often, and most guys are kind of clueless as to why that is and what they could have done differently to make her feel that way about them.
While it may not be 'easy' to make a woman fall in love, it's also probably not as hard as you think it is. Most of the time, guys end up making it out to be a LOT more complicated than it really has to be. You do NOT want to be one of those guys, you want to make it easy for yourself.
Here are 3 love tips for men on how to make a woman fall in love with you:
1. You have to make her feel like she is connected to you.
That connection that a woman feels when she meets a guy that she is really into is what needs to be there if you are going to end up making her fall in love with you. The problem that most guys have is, they do not know how to make a woman feel that connection. This is why you need to learn how to read a woman, so that you DO know how to make her feel like she is connected to you.
2. You have to make her feel like there is chemistry with you.
If there is no chemistry between you and a woman that you are falling for, she is not going to feel the same way. Chemistry is that unexplainable vibe that happens when two people just cannot hide their attraction for each other AND they have that connection between the two of them.
3. There has to be a sense of sexual tension.
Some guys seem to have this romantic sense of love where there is no need for sexual tension. Well, in the real world, you DO need to be able to make a woman feel that sexual tension. If there is none, then you are on a fast track for friendship and not much more. If you want to be more than just her friend, then you need to make her feel that sexual tension.


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ヴィチェンツァ市街とヴェネト地方のパッラーディオ様式の邸宅群(City of Vicenza and the Palladian Villas of the Veneto)
国名: Italy
Founded in the 2nd century B.C. in northern Italy, Vicenza prospered under Venetian rule from the early 15th to the end of the 18th century. The work of Andrea Palladio (1508–80), based on a detailed study of classical Roman architecture, gives the city its unique appearance. Palladio's urban buildings, as well as his villas, scattered throughout the Veneto region, had a decisive influence on the development of architecture. His work inspired a distinct architectural style known as Palladian, which spread to England and other European countries, and also to North America.


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Game Systems, Smart TVs, etc.
In addition to traditional devices like laptops and smartphones, students are also able to use the following devices on the SNC network:
- Amazon Echo (Echo Dot)
- Google Chromecast
- Google Home (Home Mini)
- Nintendo
- Playstation
- Roku
- smart TV
- streaming video player
- Xbox
These devices must be registered and users of the devices are required to adhere to all College policies and operate the device in such a way that it does not interfere with the operation of the College's network.
If the device has a web browser, open the browser and visit wifi.snc.edu to complete the registration process.
If the device does not have a browser, complete the Device Registration form to register on the network.


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Ironic Contradictions
I'm a long time reader - since way back when I was seven. That makes it over three quarters of my life that I will be a reader for. But it is worth it. When I'm not reading or wasting my time online on here or Goodreads I'll be off playing video games, studying teaching and messing around with friends and pop culture. Or reading some more.
Recently added
10:00 am 20 February 2012
As a classic of action/adventure I really enjoyed this novel. However the accompanying short stories were less to my appreciation as they were in no means memorable.
The prose of Sir Arthur Conan Doyle is magnificent although I must admit I prefer the style he adopts for his Sherlock Holmes stories. Here again he introduces another character who, like Holmes, is a kind of sociopath in many regards. Which makes me question what that says about the author when he creates memorable and anti-social characters...
The adventure in this story is high class, built up by the incredible use of various words, phrases and descriptions. It appears that Arthur Conan Doyle knows what he's talking about when he refers to various guns, contraptions and environments. Plus his research extends to various scientific theories in both The Lost World and The Poison Belt which were the two enjoyable stories in this short collection.
If you've enjoyed stories such as Journey to the Centre of the Earth then The Lost World would likely be enjoyable to you. You would also likely enjoy it if you appreciate the tales of Sherlock Holmes. However as mentioned the style of writing is slightly different (and less enjoyable) because Doyle writes in a different genre here. Still on the whole this book was very worthwhile reading.
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Cherokee Challenge obstacle races, mud run, and OCR information, distance, cost, dates, calendar, discounts, obstacles, reviews, and more
The Cherokee Challenge is a two mile challenge course located on the beautiful property of Toccoa Falls College.
Upcoming Cherokee Challenge Events
We don't know of any upcoming events for Cherokee Challenge. You can check out our list of past events and reviews below, or if you know of an upcoming race, add it to our calendar!
Browse our calendar of previous mud runs, mud races & obstacle races for Cherokee Challenge
Cherokee Challenge Reviews from the Community
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Call Us Today! 1 866 600 7030. home; services. Hispanic Inbound Services; International SEO; Content Marketing
The latest Tweets from NAHJ (@NAHJ). National Association of Hispanic Journalists/Asociacin Nacional de Periodistas Hispanos Estamos aqu putting #.
There is huge opportunity for Spanish-language and bilingual media. Native Spanish-speaking and bilingual audiences in the U.S. are consuming Spanish-language media content at increasing rates. As these audiences look for news and information in the digital space, big Spanish-language media outlets are hustling to fill the gap.
BlanQuil Quilted Weighted Blanket Gray 15lb Removable Cover Personal Compression for sale online | eBay Horse Racing Leader, Bet on upcoming races and view past. – Watch and bet on live horse racing from 150+ tracks. live odds, handicapping, picks, tips, & results. Make sure to take advantage of our generous deposit bonus and place a winning bet today at tracks like Del Mar, Gulfstream, Saratoga, Monmouth Park, and Keeneland.
Why the Number of Bilingual U.S. Hispanics May Continue to Rise – In a recent post, we shared the stat that 14 million U.S. Hispanics age 18 or older are bilingual.This represents approximately 40% of U.S. Hispanics in that age range. But as immigration decreases, and the number of Hispanics born and raised in the United States grows, the question has been raised whether English-Spanish bilingualism will begin to lose some ground.
Not Just Florida: Border Patrol To Fly Thousands Of Illegal Migrants To San Diego Reciben en CDMX la medalla Marte R. Gmez' Trucker charged for using wasp spray on motorist in road rage incident – American Truck Driver Pentgono construir campamentos para ms de 7 mil migrantes Oronoticias El Departamento de Defensa de EE.UU. anunci que desplegar seis campamentos temporales en las zonas fronterizas con Mxico, en los estados de Texas y Arizona, para albergar a 7.500 migrantes en situacin irregular. El Pentgono aclar que construir los campamentos en apoyo a una peticin del Departamento de seguridad nacional (dhs), dependencia encargada de administrar los centros deTrucker injured after being shot at in apparent road rage incident.. A truck driver was shot at while driving down I-30 in Texas in an apparent act of road rage. The driver was injured by his.Not Just Florida: Border Patrol To Fly Thousands Of Illegal Migrants To san diego san Diego will receive hundreds of migrant families from South Texas for processing. Zero Hedge – May 19, 2019 Comments. image credits: john moore/getty images.WWE Elite Collection Rey Mysterio Mattel Best of 2011 (New, Very Rare) | eBay Las Vegas odds, sportsbook betting lines, betting trends and Vegas casino sportsbook lines on ScoresAndOdds.com for NFL Football, NCAA College Football, NBA Basketball, WNBA Basketball, ncaa college basketball, NHL Hockey and MLB Baseball.
Collection Development: Reference Resources Roundup #12 (A. – Hispanic Media Today: Serving Bilingual and Bicultural Audiences in the Digital Age (via Democracy Fund) 64 pages; PDF. May 26, 2019. Artificial Intelligence, Data Protection and Elections (via EPRS) 2 pages; PDF. Comparison of the Electric Car Market in China and the United States (via ICCT) 13 pages; PDF. May 25, 2019
Pentgono construir campamentos para ms de 7 mil migrantes Oronoticias El pentgono construir 6 campamentos para migrantes en la. – Washington (EFE).- El Departamento de defensa anunci este mircoles que erigir seis campamentos temporales en las zonas fronterizas con Mxico de los estados de Texas y Arizona para albergar a un total de 7 mil 500 migrantes indocumentados. El Pentgono construir los campamentos en apoyo y a peticin del Departamento de Seguridad Nacional (DHS), encargado.
US Hispanics: Who They Are, What They're Doing on Digital and Ad Spending to Reach Them. Weekly Time Spent with Smartphone Activities Among US Hispanic vs. Total Consumers, Q4 2015 (minutes) Looking at the US Hispanic Population. US Hispanic Population Share, by Country of Origin, 2014 (% of total) The Often Forgotten Older Hispanics
Arrestan a regio en Laredo con un milln de dlares en narcticos Deported After Living In The U.S. For 26 Years, He Navigates A New Life In Mexico ENTRE LNEAS | El Eco del mante flu outbreak sickens over 30 migrants at border center flu outbreak sickens over 30 migrants at border center. tested positive for influenza at a major processing center where a flu-stricken teenage boy died, the latest evidence of growing public.O registro do seu currculo lattes o primeiro passo para encaminhar sua solicitao ao CNPq.Reunin de despedida para cnsul de Mxico en Laredo HTML title tags appear in browser tabs, bookmarks and in search results. It looks like your title tag is a little outside the ideal length. Since they are one of the most important on-page SEO elements you should make your title tags between 20 and 70 characters including spaces (200 – 569 pixels). Make sure each page has a unique title and use your most important keywords.Deported After Living In The U.S. For 26 Years, He Navigates A New Life In Mexico.. He spent his first year in Mexico in denial, until part of his life in the U.S. entered his new world. On his.Un regiomontano que intent pasar a territorio de Estados Unidos un cuantioso cargamento de droga con valor de ms de un milln de dlares, fue detenido en el puente Pharr, Texas. El ciudadano mexicano llevaba su auto repleto de cocana y herona, que en el mercado negro tienen cuantioso valor.
Since today. the U.S. Hispanic audience, especially language Paul Suskey, founder and co-CEO of Media8, a digital agency focused on the U.S. Hispanic and LatAm markets, says, "Executing and.
RETAIL SALES MANAGER (RLT-TX) in Laredo, Texas | Careers at Laredo Your customizable and curated collection of the best in trusted news plus coverage of sports, entertainment, money, weather, travel, health and lifestyle, combined with Outlook/Hotmail, Facebook.
Of all the sources for television content available today. major media companies decide to commit to super-serving this audience. For many traditional players, this would require taking risks with.
For companies looking to market towards a US Hispanic Audience and US Latino Communities, EC Hispanic Media offers multiple advertising opportunities for campaigns targeting Tech Savvy Bilingual Latino Millennials, Affluent US Hispanics, Grassroots Spanish Speaking Latinos, Hispanic Small Business Owners, Latina Moms and Families, Bilingual Hispanic Young Adults, Latino Baby Boomers and.
En una entrevista a propsito de la presentacin de su investigacin "Hispanic Media Today: Serving Bilingual and Bicultural Audiences in the Digital Age", Retis consider adems que.


text: Iran's non-resident ambassador to Slovakia, Ebadollah Molaei, and Coordinator of the Slovak Presidency at the Council of European Union, Ivan Korcok in a meeting in Bratislava underlined the need for broadening mutual cooperation. During the meeting in the Slovak capital on Thursday, Molaei and Korcok explored avenues for bolstering and reinvigorating bilateral relations between Tehran and Bratislava, Fars News Agency reported. The Iranian envoy pointed to the good economic and political mutual interactions and said, "The prospect of relations between the two states is promising." Korcok voiced satisfaction with the significant development of bilateral cooperation.


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By Gottfried O.H. Naumann, L. Holbach, F.E. Kruse
Written and edited through the world-famous specialist G.O.H. Naumann, this textbook delves into the main points of ocular constructions comparable to the nuances of morphology, surgical anatomy and pathology. The textual content covers precise gains of intraocular surgical procedure in closed procedure and open eye contexts. It is going directly to hide an important facets of restoring the anterior chamber. Then it delineates the spectrum of capability problems in (pseudo-) exfoliation-syndromes in addition to the main weak mobilephone populations. Readers also are handled to the positive aspects of standard and pathologic wound therapeutic after non-mechanical laser and mechanical innovations. tremendous paintings and sketches illustrate the advanced pathology.
Read Online or Download Applied Pathology for Ophthalmic Microsurgeons PDF
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Extra resources for Applied Pathology for Ophthalmic Microsurgeons
Example text
11). Paralytic Ectropion Lid tightening procedure either laterally (lateral tarsal strip) (Fig. 2 Surgical Pathology a b Fig. 11. Cicatricial ectropion of the left lower eyelid: a Generalized contraction of lower lid skin with disinsertion of the lateral canthal tendon. b Appearance 1 week postoperatively following skin graft combined with lateral tarsal strip procedure a b Fig. 12. Paralytic ectropion of the left lower eyelid: a Everted lid margin due to facial palsy. 2 Surgical Pathology and Anatomic Principles of Entropion and Distichiasis Repair Entropion of the lower or upper eyelids is any form of inverted lid margin (trichiasis).
It is formed by the anastomoses of the supraorbital, supratrochlear and frontal veins at the upper nasal angle. It drains posteriorly into the superior orbital vein and inferiorly into the facial vein. In addition, venous blood drains to the inferior ophthalmic vein. 3 Lymphatic Drainage The lateral two-thirds of the eyelids drain to the preauricular and parotid lymph nodes. The medial thirds drain to the submandibular nodes (Fig. 3). 4 Motor Nerve Supply The orbicularis and frontal muscles are supplied by the zygomatic branches from the facial nerve.
Surgical management of blepharoptosis may include aponeurotic repair, levator resection, frontalis suspension, and shortening of Müller's muscle. Complete preoperative assessment of symptoms and signs with the patient sitting is essential in choosing the type of operation (repair of brow ptosis, blepharoplasty, blepharoptosis and/or ectropion). Blepharoplasty includes the removal of skin, muscle and orbital fat in varying proportions. 1 Surgical Pathology and Anatomic Principles of Ectropion Repair Different subtypes of eyelid laxity have been reported as underlying causes of chronic ocular irritation including papillary conjunctivitis, superficial punctate keratopathy and dry eye.


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Watch Papercraft Karate Female Team Kata Bronze Medal - Serbia vs Italy - WKF World Championships Belgrade 2010 (1/2) [Author: World Karate Federation] History of Karate.
Karate Female Team Kata Bronze Medal.
Serbia vs Italy.
Performance of Team Serbia in the WKF World Championships Belgrade 2010.


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Monthly Archives: Июль 2011
Germans brew more beer for first time since 2007
Warm weather and a strong export market in the first six months of the year have helped German brewers reverse a long decline in beer production.
Heineken to take competitor to court over a barrel
Dutch brewer Heineken said on Thursday it would take a rival company, headed by one of its former employees, to court over the use of its barrels, in the latest spat between the two companies.
A breakthrough decision of the Milan Court of Appeal is opening the door for the Budweiser Budvar brand back on the Italian market
The Italian Court of Appeal in Milan supported the Italian importers of the Budweiser Budvar brand in its ruling. The dispute originated in 2001 by the legal action brought by Anheuser-Busch Inbev (hereinafter referred to as ABI) and its Italian … Continue reading
Budweiser Budvar increased its gross profit by 7% last year
Budweiser Budvar, N.C. has made its audited economic and business results for 2010 public today. Due to a difficult situation on the beer market the beer sales decreased by 5.2% last year. This slump was, however, fully compensated by efficient … Continue reading
US. Trouble brewing for beer as hops, barley prices increase
Beer lovers could be tapped to dig deeper into their wallets at the store this fall as production costs increase and breweries struggle to stay afloat.
US. Upland Brewery announces $3 million expansion
Upland Brewery, a Bloomington-based brewery, announced plans for a $3 million expansion of its brewing facilities after much growth during the past few years.
Ambev vs. Anheuser-Busch: A Primer on Retained Earnings
In my last article, I recommended Brazilian beermaker Ambev (ABV). In the comments section an argument was made that Ambev's parent company Anheuser-Busch InBev (BUD) was in fact the better beer buy. The concern generally centered on Ambev's growth prospects … Continue reading
UK. Marston's: managed pub sales boost
Marston's has announced a 2.9% uplift in like-for-like sales in its managed pubs division for the 42 weeks to 23 July. The company said its performance has been "encouraging" and "robust" despite the difficult trading environment. Profitability is in line … Continue reading
Krombacher: a brand built on purity
Krombacher is Germany's best selling beer but is relatively un-known in the UK market. Ewan Turney visited the brewery to find out more about the brand looking to take on the UK market.
Krones reports rising sales and profit in H1 2011
During the first half of 2011, Krones AG, the world's market leader for beverage filling and packaging technology, achieved significant increases in all important ratios compared with the preceding year, the company announced on Wednesday. Krones has been profiting from … Continue reading


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Choose Loan AmountSelect from a wide list of options you can choose from.
Enter Your DetailsProvide your information to start your application.
Processed & ApprovedResults are generated in minutes. Get approved and get your money.
Things You Should Know for Getting a Bad Credit Personal Loan
A personal loan can be used for anything that you need – that is if you are eligible for one.
Personal loans can cover anything from hospital bills, a big move, your next home improvement project, to consolidate your debts, and even your dream vacation. A personal loan can help you get your hands on some cash when you badly need it.
There are two types of loans a secured and an unsecured loan. Personal loans are often unsecured which means that your word is the only thing that the lenders are holding on to when it comes to getting paid back. Also, a personal loan's repayment plan usually is an installment kind of type – which means you are paying a set amount monthly of the principal amount that you borrowed plus interest.
That's why it's fairly hard to get a personal loan while having a bad credit. Because it's an unsecured loan, but if any case that you do, then you'll be offered the highest interest rate or the not so good terms, in any case, it will be hard to repay.
Are You Qualified for a Personal Loan?
It's natural for lenders to take a look at your credit score or credit standing when applying for a loan. And you'll likely have multiples as there are multiple scoring companies in the US alone that scores your credit. It may vary from company to company as they may have different data regarding you and your credit – they might be scoring you through a different model or they may have different information available while getting your score.
But the most common score used among lenders is the FICO score. When using the FICO method, your credit score is scored from 300 to 850. If you have a fair credit score or in the middle, then applying for a personal loan on banks are out of the equation as they are very strict in that regard.
Maxing out your credit card, having a CCJ or a county court judgement, late repayments or not repaying at all – those are the main culprits in pulling your credit score down. But that's not all, even when you fail to pay your utility bills, your credit score takes a hit.
But having a bad credit score doesn't mean it's impossible for you to take out a personal loan. There are many lenders that deal with situations like these. Be informed though that it may be a bit expensive. That only means that you need to conduct a thorough research before even choosing a lender, you don't want to take out a loan that will put you in even more financial hardship.
Where to Look for a Personal Loan When You Have a Bad Credit
Most places where you can get a personal loan from are the ff:
National Banks
Credit Unions
Online Lenders
National Banks are out of the equation when you have a bad credit score because they are strict on their guidelines and standards. When having a credit score of 620 and below, it's best for you to rule out banks and just approach other lenders. Most lenders offer better rates than banks anyways.
A credit-union is a non-profit organization that are owned by the members. Unions tend to be less strict on their requirements. So despite having a low credit score, credit-unions might consider giving you a loan. Credit-Unions are usually the best options for people who have a bad credit score as they offer favorable interest and terms. But in order to get a loan from them, you'd need to be a member.
You can also get a personal loan within the comforts of your home with online lenders. Most online lenders aren't strict in their requirements and will just look at your ability to repay the loan you're going to take. And if you do, you'll likely be offered loans with high interest rates.
Just be very careful in looking for an online lender as some may be scammers, some may be questionable, and some are just looking to take advantage of people who are in need.
What to Look for in a Good Personal Loan?
Having a bad credit means that lenders will perceive you as a risky borrower. And that will result in them giving you less favorable deals in order for them to compensate with that risk. That is why it's very important to compare loan terms to avoid being in further debt and to save money as much as possible. Here are a few factors to look for when comparing loans:
APR or Annual Percentage Rate: The APR of a loan will show you how much that loan will cost annually. That includes any fees and interest that comes with the loan. The lower the APR is, the more you'll save. But since you have a bad credit, you'll likely be offered higher APR's
Loan Period – Your loan period will show you how long will you paying the loan. Personal loans are installment type, which means you are paying a certain fixed amount over a set period of time. The longer the term of your loan is, the more expensive you pay for in interest.
Monthly Payments – A monthly payment is your principal amount, and the interest that comes with it.
Maximum and Minimum Loan – When having a bad credit, you are only allowed to take out a reasonable amount of loan. Some terms may cause you to over borrow or under borrow, so weigh your options carefully.
Should you Take Out a Personal Loan?
Now we know that you can, but the more important question would be is, if you should.
Qualifying for a personal loan while having a bad credit can be tedious, and that is to be expected – and necessary. The question you need to answer is, will this loan help me not just at this moment, but in the long run as well? Below are certain situations where a personal loan might help someone with a bad credit.
Do you have an outstanding balance in your high-interest credit card? If yes, then it's reasonable to take out a personal loan to pay for said balance and avoid it ballooning until it's hard to control. Not just on your credit cards, but consolidating a loan through a personal loan can save you money.
When an emergency situation arises and you need that quick injection of cash to fix or deal with it. Rather than taking out a payday loan or use your credit card, a personal loan will be less expensive.
In any case, it's up to you, the borrower to evaluate the situation and see if a personal loan makes sense or not. But if you're only getting offers with unfavorable rates and terms - then maybe it's time to rethink your options. You can either:
Look for alternatives – If you've tried approaching a bank and denied you, you can try online lenders, or go to credit-unions. There are lenders out there that are willing to help you get the funding that you need.
Improve your credit – As simple as paying your utility bills on time, you are improving your credit score. If you have any ongoing loans, or debts – pay them off as soon as you can. Paying off a loan will significantly improve your credit score. If you have any credit cards, pay at least 3% of the total balance monthly, as that's what most banks require of you. Make sure that you don't max your credit card out. Improving your credit score will take time, so be patient. Don't take new loans for the sake of improving your score, it will lower it instead because of hard inquiries.
By taking your time and researching thoroughly, you can make the most optimal choice for you. Weigh your options carefully and see where you benefit most, not just on the early stages but in the long run.
Frequently Asked Questions
What Is Payday Loan?
If you need cash on the same day, payday loans is the right choice. Payday loans are unsecured loans with convenient and easy payment method. It's a small cash loan that allows you to get the funds instantly. Repayment options can be tied to your next paycheck or if you wish to pay in advance, that works too.
What is Guarantor Loan?
For those who doesn't have good credit, applying for a guarantor loan is recommended. Guarantor loans, as the name suggests, requires a guarantor before the loan is approved. The guarantor takes over if in case the borrower fails to meet the repayment terms.
How Fast Can I Have The Money?
Applying for a loan won't take you hours. As a matter of fact, you can have it done in as fast as 15 minutes. All you need to do is to complete an online form and have it submitted. In just a few minutes, you'll get the results and the money is automatically deposited to your account.
Do I Need Good Credit?
No. You are eligible to apply regardless of your credit line. Most lenders would prefer borrowers with good credit but it is not a requirement. You can apply for a payday loan and use it to slowly build your credit.
Thinking of getting a loan? Wait no more! Get the funds you need fast. Our services are guaranteed free-of-charge. What are you waiting for? Apply now!


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14:32 26/09/2017
At Hue University of Agriculture and Forestry (HUAF), the Faculty of Land Resources and Agricultural Environment of HUAF organized an opening ceremony of the international workshop funded by German Academic Exchange Service (DAAD). The workshop will be a forum to discuss issues related to land use and land cover management in many different Asian countries. In addition, it is the basis of exchanging experiences and creates the connection among international scientists.
14:39 14/09/2017
On September 8th, 2017, at Hue University of Agriculture and Forestry, Kyoto University, Japan organized a seminar on a study on "the land use and livelihood resilience in the face of growing dependence on mon-cropping of industrial tree plantations- a case in central Vietnam" and a study on "Bio-indicators in folklore". This is a frequent activity in the framework of development collaboration between Hue University of Agriculture and Forestry (HUAF) and Kyoto University, Japan. The seminar attracted lecturers from the Faculty of Forestry and the Faculty of Land management and Agricultural environment of HUAF.
HUAF tries its best to become as the prestigious university. Additionally, HUAF always makes great efforts in training to provide localities and enterprises with qualified human resources. It is highly appreciated as a good center in science and technology to contribute the development of socio- economics to the whole country in integration tendency.


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State solar incentive program still going strong
October 1, 2016
Two years in, I have reached a point, amazingly enough, where I consider my solar panels a routine part of my world. They quietly warm and accelerate their profusion of electrons, and I can go for days now without thinking of them at all.
But then something happens that, shall we say, jolts me out of my inattention. Recently it was the deposit of some $738.64 from Puget Sound Energy into my bank account, representing its annual solar production payout for the array on my roof. The money actually originates in a state of Washington fund to incentivize the adoption of renewable energy (including solar, wind, and even anaerobic digestion applications).
All the buzz over the last few months has been how dramatically an individual's payout would be reduced this year, due to the fact that the amount in the overall fund remains constant, while the number of people participating in the renewable economy in the state is increasing substantially. But the cuts were less than anticipated: my own system, which is categorized as "solar manufactured out of state", now pays at a rate of 14 cents per kilowatt hour produced, down only a penny from the previous year. Other categories were comparable in their marginal reductions.
This is not to suggest that the future of such a fund is secure. A former mayor of Seattle, who had gone solar at approximately the same time that I did, recently decried the possibility of payout reductions from their original incentive rates as a kind of "bait-and-switch" deception of consumers. Indeed, it is commonplace to calculate a prospective solar customer's ROI before the customer commits to the installation. Calculating incentives, tax breaks, and electricity produced, the installer can at least give you a ballpark estimate: your system will pay for itself in 15 years, say, or 10, or even 5! But if a major piece of the calculation is subject to change at each legislative session, that ROI becomes much less predictable.
We'll see how it plays out. But in the meantime, all this got me to thinking more about the economics of going solar. Next post I will go through some of the interesting data that is now accumulating from two years' worth of having a solar array.


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Zombie Banks: Low Price/Book Ratios Characterize The Walking Dead
It's generally accepted that zombie banks appeared in Japan in the 1990s and are responsible for the inability of the Japanese economy to sustain any significant growth during the last two decades. Currently, there is talk that a large number of EU banks have become zombie banks after the 2008 Credit Crisis. While this is almost certainly true, banking system dysfunction in Europe probably started long before that, and the Credit Crisis only made it worse. The EU's economy has actually been in a persistent no-growth state for as long as Japan's.
There are slight differences in how zombie banks are defined. The definition I've put together is: "a financial institution that has a de facto net worth of less than zero, but nevertheless continues to operate and meet its obligations because of government support that can include bailouts and other liquidity injections, as well as suspension of rules and regulations that would force the institution into bankruptcy." The term "de facto," which means in fact as opposed to official, is of utmost importance. While there are many zombie banks that have no actual worth, don't expect to find one that reports a negative book value.
Defunct Wall Street firm Bear Stearns provides an excellent example of what happens when a financial institution fails. The company had a book value around $84 a share when it closed its doors in March 2008. The stock last traded at $30 a share (a price/book ratio of 0.35). Some naive market participants were excited at the low price/book value of the company and thought this meant it was a great bargain. This would have been true for a manufacturing company with a product with ongoing consumer demand or a company with valuable hard assets. It isn't true for financial companies, however.
Low price/book values for a financial company can be a sign of impending or actual death. After it collapsed, the Federal Reserve tried to sell the remnants of Bear Stearns for $2 a share (this is how they translated the $84 book value). Big investors sued, and eventually got this amount up to $10 a share. The Bear Stearns book value was considered to be essentially zero once it went under, and this is equally the case for any other financial institution that fails. This includes zombie banks, even though they continue to operate.
Here are some price/book ratios, three for Japanese banks and three for European banks: 0.23, 0.25, 0.40, 0.48, 0.51 and 0.54. Can you pick out which is which? It's not immediately obvious, is it? Here's an easier one, a list of price/book value ratios for three Canadian banks (Canada has a healthy banking system) and three European/UK banks: 0.07, 0.40, 0.42, 1.59, 1.64 and 1.93. That's much easier, isn't it? In both lists, the banks with the lowest price/book value ratios are in Europe. The banks in the first list are: UniCredit (IT:UCG) – Italy, Deutsche Bank (NYSE:DB) – Germany, Credit Agricole (FR:ACA) – France, Mitsubishi UFJ Financial (NYSE:MTU) – Japan, Mizuho (NYSE:MFG) – Japan, and Sumitomo Mitsui Financial (NYSE:SMFG) – Japan. The banks in the second list are: Monte dei Paschi (OTCPK:BMDPY) – Italy, Royal Bank of Scotland (NYSE:RBS) – UK, Société Générale (FR:GLE) – France, Bank of Nova Scotia (NYSE:BNS) – Canada, Toronto-Dominion Bank (NYSE:TD) – Canada, and Royal Bank of Canada (NYSE:RY) – Canada. Statistics are from YCharts.
Bad loans have been piling up in the EU since 2008. Italy is currently ground zero for an emerging EU banking crisis. Its banks hold an estimated $220 billion in non-performing loans (8% of the total, but some observers believe the problem might be as high as 16%). It set up a bad bank, Atlante, in April to handle this issue, but this has failed to stem Italy's banking woes. Spain also has a serious non-performing loan problem. Much larger France, with its rising percent of non-performing loans, could potentially be a far more serious threat. Problem banks, though, are found in even the strongest European economies. Two of the most troubled banks in Europe (outside of Italy) are Deutsche Bank and Credit Suisse (NYSE:CS).
Until some resolution takes place, zombie banks are investments that investors should avoid. Equity holders can easily be wiped out in a restructuring (even bondholders and depositors can take a hit in the EU). As a rule of thumb, banks that have a price/book value ratio around 0.50 or less should be considered to be too dangerous to hold in a portfolio.
Disclosure: I/we have no positions in any stocks mentioned, and no plans to initiate any positions within the next 72 hours.
I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Unique Finance). I have no business relationship with any company whose stock is mentioned in this article.


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Tennis Ball Lettuce
Lactuca sativa | SKU: 0391A
Historic Variety
$3.25 to $29.50
- Organic
- Heads grow to 7 inches
- Soft textured rosettes
- Black seeded
- Butterhead lettuce
- 50 days
- ±31,000 seeds/oz
Item Details
Small rosettes of light green leaves measure only 7" in diameter and form loose tender heads. Grown by Thomas Jefferson at Monticello. According to Heirloom Vegetable Gardening by SSE member William Woys Weaver, tennis ball lettuces were often pickled in salt brine during the 17th and 18th centuries. Black-seeded. Butterhead, 50 days. ±31,000 seeds/oz.
Learn to Grow Tennis Ball Lettuce
Direct Seed: 1" Apart
Seed Depth: 1/4"
Germination: 7-14 Days
Thin: 6-8" Apart
Instructions - Sow continuously for a constant supply of lettuce. Best grown in cooler weather. Plant in full sun or partial shade.