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Estimates run as high as $1.4 Quadrillion (!) for the notional value of the world's derivatives. Prior to 1990 there was basically no market whatsoever. The only agency to track a portion of the U.S.'s derivatives is the OCC (Office of the Comptroller of Currencies). They only track a PORTION of the derivatives and only those held by commercial banks. Here's their quarter 2 report:
The total notional value of derivates that they track appears to have continued going up, but in fact have been going down recently. The reason they report total derivatives still going up is that several key big companies, formerly Investment Banks, filed to become Commercial Banks so that they can receive government handouts like the rest of the Commercial Banks. The largest of these is Goldman Sachs.
If you subtract those newly reported derivatives back out, this curve would no longer be positive, it would be collapsing:
Here's their Executive Summary:
Executive SummaryNote that bullet one says the notional value increased by $1.5 trillion… in Q4 of '08 they increased by $24.5 Trillion mainly due to the previously mentioned IB's becoming CB's, but take that effect away and you would have net negative derivative growth as you are seeing in the remainder of the bullets with revenues cut nearly in half, net current credit exposure decreased 20%, and credit derivatives decreased 8%.
• The notional value of derivatives held by U.S. commercial banks increased $1.5 trillion in the second quarter, or 0.7%, to $203.5 trillion.
• U.S. commercial banks reported revenues of $5.2 billion trading cash and derivative instruments in the second quarter of 2009, compared to a record $9.8 billion in the first quarter.
• Net current credit exposure decreased 20% to $555 billion.
• Derivative contracts remain concentrated in interest rate products, which comprise 85% of total derivative notional values. The notional value of credit derivative contracts decreased by 8% during the quarter to $13.4 trillion.
Do you see those decreases in the monetary aggregates reported by the Fed? No? That's because their monetary aggregates do not capture the entirety of the shadow banking system, they only capture a portion of it indirectly when credit dollars are deposited in institutions. Leverage is dramatically increased as derivative contracts (most with no real backing – as in no real ability to pay) as companies pretend that their positions are backed or hedged – in most cases a catastrophic loss could not be paid, that is exactly what happened with the collapse of AIG and why the Government stepped in to bail out the central banks.
And the central banks, the Primary Dealers (WFC is not a P.D.), DOMINATE the world of derivatives. Remember, these are the banks WHO ARE THE FED. They are the ones who influence the Treasury and politicians to get their rules made into law (using phony money they created from thin air).
*Current List of Primary Dealers (Nomura Securities recently added??):
BNP Paribas Securities Corp.
Banc of America Securities LLC
Capital Inc.
Cantor Fitzgerald & Co.
Citigroup Global Markets Inc.
Credit Suisse Securities (USA) LLC
Daiwa Securities America Inc.
Deutsche Bank Securities Inc.
Goldman, Sachs & Co.
Securities (USA) Inc.
Jefferies & Company, Inc.
J. P. Morgan
Securities Inc.
Mizuho Securities USA Inc.
Morgan Stanley & Co.
Nomura Securities International, Inc.
RBC Capital Markets
RBS Securities Inc.
UBS Securities LLC.
Remember Denninger's lesson in exponential math from the previous post? Here's a paragraph taken from the OCC's latest report:
Credit derivatives grew rapidly over the past several years as dealers increasingly used them to structure securities to help meet investor demand for higher yields. From year-end 2003 to 2008, credit derivative contracts grew at a 100% compounded annual growth rate. However, notional credit derivatives volume has fallen $2.5 trillion, or 15.5%, since peaking at $15.9 trillion in the fourth quarter of 2008.One hundred percent compounding rate of interest? Ha, ha, that's a double every single year. Think that's sustainable? It's not. Again, note that derivative VOLUME peaked in '08 and is now down 15.5% in less than a year.
The clues are there, and they are telling me that net derivatives have peaked and are, in fact, falling backwards executing a classic parabolic collapse. Don't see it? Let's look at the top 25 holders of notional derivatives and see what's happening…
When we zoom back in time to the end of '07, here's the way the list of the top 25 holders looked:
Note that JPM was #1 with nearly $92 Trillion in notional derivative value, more than 65 times their then (market to fantasy) total assets of $1.4 Trillion! Today their fantasy assets total a little more than $2.0 Trillion (down from $2.2 Trillion, Q3 of '08), and yet their notional derivatives have fallen to ONLY $80 Trillion, or ONLY 40 times their marked to fantasy assets! That's a huge deleveraging, on the order of 13% in terms of notional value, but a whopping 38.5% in terms of leverage.
Now take a look at the composition of the top 5 again… you'll find Goldman at #2 with $40 billion where they were not on the list at all before. Next up is Bank of America who has grown their derivative portfolio not by taking on more derivatives positions, but rather by acquiring other companies. Then there's Citi whose derivatives portfolio has shrunk by over $2 Trillion, but despite nearly going the way of the Dodo bird in-between, their deleveraging has not progressed along the lines of JPM or GS, the two most highly leveraged large companies in the history of the planet. In 2007, Citi was running a paltry 15.5 to 1 ratio compared to JPM's 65 and today is down to about 16.8 to 1 (comparing OCC derivatives to latest balance sheet assets). Although Citi's notional derivatives value has declined, their marked to fantasy assets have declined faster, falling from $2.2 to $1.9 Trillion.
The above figures come from their own balance sheets. When I use the OCC's numbers from the top five list above, we find derivative to (mark to fantasy) "asset" ratios as follows:
JPM = 48 to 1
GS = 405 to 1(!)
BAC = 27 to 1
C = 28 to 1
WFC = 4.6 to 1
That's some range of derivatives to assets... I'd say that JPM and GS are in a "special" class of their own.
So, the shadow banking system has actually been shrinking more than is known or acknowledged by most. In JPM's case, I think this is intentional. The truth, however, is that there are very few legitimate purposes for these derivatives other than to find new ways to charge fees and to increase "credit," that, of course, being someone else's debt.
And speaking of fees, they have found a new game to send fees and commissions into the stratosphere, it's called "Cap & Trade." Goldman, in particular, has placed themselves at the head of a new market, one that will be larger than even the currency markets and they will skim transaction fees every step of the way (shhhh, Cap & Trade is really just another derivative market, shhhh!). Of course this is sold as being good for the environment! LOL, what bunk! It'll be good for Goldman and more expensive for everybody else. This same lie is told about derivatives in general, some even claim that derivatives makes things less expensive! What baloney, they DRASTICALLY increase overall costs and ADD RISK to the system, they certainly do not lessen it.
Now that the systemic risk has become wider known, Congress (owned by the central banks) is pretending to do something about them for the benefit of the show. One particularly pretentious, and yet ignorant, bought-and-paid-for Congressman, Barney Frank, took this pretending to a new level by introducing legislation to "real in" derivates that basically changed NOTHING! Of course he and the bankers know this, they don't want real regulation or oversight of derivates as that would mean real and substantial deleveraging and they know that they economy would revert to a lesser leveraged state (appropriate and going to happen regardless):
Derivatives Lobby Links With New Democrats to Blunt Obama Plan
By Dawn Kopecki, Matthew Leising and Shannon D. Harrington
Oct. 9 (Bloomberg) -- As President Barack Obama vowed in a Sept. 14 speech in New York's Federal Hall to correct "reckless behavior and unchecked excess" on Wall Street, Mike McMahon and Barney Frank sat in the audience discussing how to ease proposed rules for the $592 trillion over-the-counter derivatives market.
Side by side at 26 Wall St., across from the New York Stock Exchange, freshman congressman McMahon told House Financial Services Committee Chairman Frank he was worried that Obama's derivatives plan, released in August, would penalize a wide swath of U.S. corporations and could push jobs in his home district overseas, McMahon said in an interview.
"It's not just the farmers, and it's not just the Wall Street guys," said McMahon, a member of the New Democrat Coalition, a group of 68 self-described pro-growth Democrats in the U.S. House of Representatives. "It's across the nation. American industry uses these products for a very useful purpose, which keeps down prices and makes consumer products cheaper."
McMahon said Frank agreed it was important to protect so- called end-users, the corporations that rely on derivatives to hedge everyday operational risk, such as fluctuations in foreign currency rates, interest rates and commodity prices. The Obama plan would subject companies to higher collateral requirements whether they trade standardized or customized contracts. It also calls for most trades to be executed on an exchange or an "alternative swap execution facility."
'Working Together'
"He said we'd be working together on this," said McMahon, who represents a large constituency of Wall Street workers on Staten Island and in southwest Brooklyn. "We never had a philosophical difference."
It's not just end-users who won concessions from McMahon and Frank. JPMorgan Chase & Co.,Goldman Sachs Group Inc. and Credit Suisse Group AG lobbied McMahon and fellow New Democrat Coalition member Representative Melissa Bean of Illinois, among others, to expand the ways the legislation allows dealers and major investors to trade the contracts, according to people familiar with the matter.
Bean's spokesman Jonathan Lipman rejected the notion that the New Democrats made any changes to the bill at the behest of banks.
"New Dems have promoted strong regulatory reform that institutes trade and price reporting, capital requirements, and margin requirements, all of which puts mandates on these institutions that they don't like," Lipman said. "New Dems have been focused on increasing transparency, reducing systemic risk, and preserving the ability for end-users to hedge their risk."
JPMorgan spokesman Justin Perras, Goldman Sachs spokesman Michael DuVally and Credit Suisse spokeswoman Victoria Harmon declined to comment.
The battle over derivatives legislation is a test for the Obama administration's efforts to tighten financial regulation to prevent a repeat of the financial crisis that shook the global economy -- a crisis exacerbated by derivatives trading.
Frank, a Massachusetts Democrat who rose through the ranks in Congress fighting homelessness and advocating for gay and consumer rights, found his handiwork panned by administration officials after he released draft legislation last week that they criticized as too friendly to business. Frank's bill allows for no change in how standardized over-the-counter derivatives are traded as long as they are reported to regulators.
Commodity Futures Trading Commission Chairman Gary Gensler and Henry T.C. Hu of the Securities and Exchange Commission said Frank's "discussion draft" created too many loopholes and had the potential to exclude all hedge funds and corporate end-users from oversight.
Shrinking Spreads
The change could protect billions of dollars in profit for the dealers. When securities or derivatives are traded on exchanges -- where investors can see real-time prices, rather than indicative prices sent by e-mail in the over-the-counter market -- it can shrink the amount that dealers make on each trade, known as the spread.
"Having more discretion for the dealers in the regulations gives an extra benefit to them by staying away from narrower spreads," said Darrell Duffie, a finance professor at Stanford University in California.
The top five U.S. commercial banks, including JPMorgan, Goldman Sachs and Bank of America Corp., were on track through the second quarter to earn more than $35 billion this year trading unregulated derivative contracts, according to a review of company filings with the Federal Reserve and people familiar with the banks' income sources.
Real-Time Pricing
The banks are arguing that an exchange or trading-system mandate that publicizes large trades could make it too expensive or impossible to execute customer orders and hedge those trades at the same time, according to the people familiar. Publicized large orders may dry up the willingness of dealers and investors to buy or sell contracts, they said.
That argument might not get a sympathetic ear at the Commodity Futures Trading Commission. Its chairman has several times called the regulated platforms "electronic trading systems," suggesting that U.S. officials may seek to require banks and investors to use them like exchanges with real-time, public pricing.
"People viewed it as tantamount to an exchange," said Robert Pickel, chief executive officer of the International Swaps and Derivatives Association, a New York-based group that sets standards in OTC derivatives markets.
'Into the Weeds'
While the concerns were raised through both Republicans and Democrats, "the New Democrats have played a central role here both in terms of interacting with the end-users but also being able to take that concern to Chairman Frank," Pickel said.
A half dozen New Democrats pressed Treasury Secretary Timothy Geithner to expand the administration's exemption for end-users in an Oct. 1 meeting.
"We got into the weeds on the derivatives bill," said Connecticut Representative James Himes, a former investment banker at Goldman Sachs and a member of the New Democrats, who attended the meeting along with McMahon, Bean and chairman Joseph Crowley of New York.
Unlike Obama's plan, Frank's bill doesn't require derivatives users or dealers to execute standardized over-the- counter contracts on a regulated exchange or trading platform, which would force greater price transparency. Instead, it gives them the option to decide if they want to use an exchange or a trading platform, or merely report the transaction to regulators by the end of the day.
"We've seen a steady parade of all of the big dealers, all of the major money-center banks have come through Congress," Himes said in an interview.
In other words, the big banks are not going to let any real changes get passed. They don't want limits or regulations, and they don't want exchanges because they have the world's largest market for debt cornered and they want to keep it that way.
This next article, out on the same day, describes how regulating derivatives WILL reduce "sorely needed liquidity." No duh, too much "liquidity" (in the form of debt) has been and is the problem – yet they are fighting for more (and Barney Fife, err, I mean Barney Frank, is sure to give it to them, just like he gave them more access to FNM and FRE!
'Maddening' Derivatives Reform May Harm Loan Market, LSTA SaysOf course having any capital requirements at all for derivatives is heresy to the central bankers! That would limit their profits! It would also mean that companies like AIG couldn't write endless amounts of contracts with no money behind them in the event they are on the losing end. The current system is like a homeless, penniless man walking into a casino and using a multi-million dollar line of credit to gamble - if he wins he gets to keep the winnings and if he losses, oh well! There's currently no difference between him and what AIG did other than the government will bail AIG out.
Oct. 9 (Bloomberg) -- Proposals to regulate privately negotiated derivatives may reduce "sorely needed liquidity" in the high-yield, high-risk loan market, according to the Loan Syndications and Trade Association.
Draft legislation introduced on Oct. 2 by U.S. House Financial Services Committee Chairman Barney Frank may increase capital charges tied to derivatives known as total-return swaps, the LSTA said today in a weekly note to the 296 institutions among its membership. The swaps enable banks to pass on returns or losses from a pool of loans to investors.
"Derivatives reform is complex, maddening and esoteric - and is also quite important to the loan market," the New York- based trade association wrote.
The draft House bill would direct bank regulators to require the firms to hold capital protecting derivatives trades from losses.
The highest capital requirements, while not defined, would be imposed for derivatives that aren't backed by clearinghouses, which would likely include total-return swaps because they differ from deal to deal. "TRS, which are customized, could see punitive capital charges," the association wrote. "In turn, this could reduce sorely needed liquidity in the leveraged loan market."
Lawmakers should revise the draft to instruct regulators to set capital charges based on historic or predicted losses, Dave Hall, chief operating officer of Chatham Financial Corp. said in prepared remarks to the committee on Oct. 7.
The charges should not be "a penalty to discourage the use of OTC derivatives," Hall said.
But Frank's phony plan for show was too obvious, so yet another half-hearted attempt is being made. Obama always talks a good game, but the actual results never look anything like the talk sounds (remember executive pay limitations? Boy, did that sound good… what happened? NOTHING!). The same thing is happening with derivatives… he talks tough but his proposals have more central banker holes than Swiss cheese:
Derivatives Proposals in U.S. House Move Closer to Obama's Plan
Oct. 10 (Bloomberg) -- House Democrats offered new proposals to regulate the $592 trillion over-the-counter derivatives market after Obama administration officials said an earlier plan left loopholes.
Representative Collin Peterson, head of the Agriculture Committee, presented his draft legislation yesterday. Hours later, Representative Barney Frank, chairman of the House Financial Services Committee, circulated among colleagues changes he had promised in an effort to "tighten up" the plan he announced a week ago.
President Barack Obama's administration proposed regulatory changes in August, including imposing higher capital and margin requirements on derivatives markets and requiring certain contracts be processed through clearinghouses. The legislative proposals laid out yesterday hewed more closely to the overhaul sought by the administration than did the draft Frank offered on Oct. 2.
"Some of the perceived loopholes in the Frank bill, it looks like Peterson plugged a number of those up," said Kevin McPartland, a senior analyst in New York at Tabb Group, a financial-market research and advisory firm, in an interview.
Maneuvering over the legislation is a test of the administration's call to tighten regulation in an effort to prevent a repeat of the global financial crisis. Opaque financial products, including derivatives, have contributed to almost $1.6 trillion in writedowns and losses at the world's biggest banks, brokers and insurers since the start of 2007, according to data compiled by Bloomberg.
Everyday Risks
House lawmakers say they are trying to protect so-called end-users, corporations that rely on derivatives to hedge everyday operational risks, such as fluctuations in foreign currency rates, interest rates and commodity prices. The Obama plan would subject companies to higher collateral requirements whether they trade standardized or customized contracts.
Frank's original proposal would exclude companies if they use derivatives to hedge risk.
Gary Gensler, chairman of the Commodity Futures Trading Commission, told lawmakers Oct. 7 that the provision could free from oversight all hedge funds and corporations that use derivatives, including mortgage-finance companies Fannie Mae and Freddie Mac.
"Some of the stuff was inadvertent," Frank said in an Oct. 7 interview. "We didn't mean to undo this or undo that. It's an ongoing process. Things go through many drafts."
'Significant' Credit Losses
The revised draft that Frank, a Massachusetts Democrat, circulated among colleagues and staff at the Capitol would continue to exclude most corporations that use derivatives to mitigate operational risk. In the new version, derivatives users that are large enough to "expose counterparties to significant credit losses" wouldn't be eligible for the exclusion.
Peterson's measure would exempt all except the largest end- users from new disclosure, collateral and clearing requirements.
Peterson, a Minnesota Democrat, gave Gensler much of what he asked for in an Aug. 17 letter to lawmakers, including tougher execution requirements for standard contracts and the authority to regulate over-the-counter foreign currency swaps.
While this three-ring-circus continues to put on a show, Joe Stiglitz has the right idea in my opinion…
Stiglitz Says Banks Should Be Banned From CDS Trading
By Ben Moshinsky
Oct. 12 (Bloomberg) -- Large banks should be banned from trading derivatives including credit default swaps, said Joseph Stiglitz, the Nobel prize-winning economist.
The CDS positions held by the five largest banks posed "significant risk" to the financial system, Stiglitz said at a press conference in Brussels. Big banks should have extra restrictions placed on them, including a ban on derivative trading, because of the risk that they would need government money if they fail, he said in a speech today.
"We will have another armed robbery unless we prevent the banks, the banks that are too big to fail," Stiglitz said. "We should say that if you're too big to fail then you are too big to be. They need more restrictions, such as no derivative trading."
Derivative trading and excessive risk-taking are blamed for helping to spark the worst financial crisis since World War II. American International Group Inc., once the world's largest insurer, needed about $180 billion of government money after its derivative trades faltered and pushed the company toward bankruptcy.
Financial markets should be subject to taxes that will discourage "dysfunctional" trading and help pay for the effects that the global crisis had on poorer nations, Stiglitz said last week.
U.S. and European regulators have pushed for tighter regulation of the $592 trillion over-the-counter derivatives market, amid concerns that it could create systemic failures in the financial system. Lawmakers have called for global rules covering derivatives to prevent financial institutions from exploiting jurisdictional differences in regulation.
Stricter Standards
Former German finance minister Hans Eichel said in an interview today that global regulation would ultimately be needed. The European Union should enforce tougher legislation, even if the U.K. is reluctant to adopt stricter standards, he said.
"The Eurozone is strong enough economically to go it alone," Eichel said. European legislation could then become the blueprint for global rules, said Eichel.
Stiglitz is right, but even he doesn't go far enough. There is almost no useful purpose for derivatives in our society, in fact they almost all work against society and thus should not be allowed… at all, and especially for Cap & Trade. Yes, this would mean deleveraging and that is exactly what needs to happen to return to a sane world of finance.
One argument for derivatives goes that they make doing trade easier… for example, the company that does business with another large company, say to transport their goods, might "cover" or "hedge" a large contract with credit default swaps that would pay off if the company they are doing business with should go under, thus reducing their risk!
What they fail to realize is that the company they are buying this "insurance" from is not regulated and has no assets to back up the "insurance" they are selling! Thus it's a FALSE SENSE OF SECURITY, and in fact it produces a systemic risk and is a moral hazard to boot!
How about this… if they need insurance, buy insurance from a real and regulated insurance company? Or, how about this… if they are doing business with marginal companies, perhaps they should spend more energy getting to know who they are doing business with and assess their economic condition PRIOR TO entering into business with them! How quaint, I know!
They will kick, and scream, and argue, and sadly it's true that nothing will happen to end their fraud… that's because they create money from nothing but cut the politicians in on their schemes at the exclusion of everybody else.
What's happening in this "shadow banking" world is extremely important. It's the reason most economists and supposed experts have been wrong about the economy and markets and it's why they will be wrong going into the future. The world of derivatives, despite kicking and clawing, is getting smaller. That's because the limits of the exponential math were reached. They were so good and so fast at pulling everyone's future earnings into the here and now, that they quickly reached the point that incomes can no longer support the debts. And now that they have the government using your money to keep the bankers going, the government is likewise now in an impossible math situation where future income cannot possibly pay back current debts. Devaluing the dollar will not work, there is no solution other than to do the right things – shrink the size of government, reduce spending and work to balance the budget. How do we accomplish that in reality? It's going to take some serious event, that's for sure – I'd sure like to see the end result be the separation of corporations and their money from state. It would be a lot easier to say "NO" to the banksters when your job doesn't depend upon it!
Derivatives were engineered by people desperate to keep never ending credit growth on a growth path. Cap and Trade is invented by the same desperate types born in the same paper shuffling non-productive industry.
The Eagles – Desperado:


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Where the Wild Things Are: Miniature Maxi/Mini Book and Mini Doll
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Where the Wild Things Are is one of those truly rare books that can be enjoyed equally by a child and a grown-up. If you disagree, then it's been too long since you've attended a wild rumpus. Max dons his wolf suit in pursuit of some mischief and gets sent to bed without supper. Fortuitously, a forest grows in his room, allowing his wild rampage to continue unimpaired. Sendak's color illustrations... More
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Maurice Sendak (Author) : Maurice Sendak is a published author, editor, illustrator, and a photographer of children's books and young adult books. Some of the published credits of Maurice Sendak include Where the Wild Things A... more
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J.H. Everett said: What is there to say? It set an entirely new watermark for the entire industry. The movie was great (IMHO) and has stirred up a bit of muck just like the book originally did. Good for Jones! Read it, get nightmares if you must. But love it.
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Goldfinger might be the most iconic of all the James Bond films. Even if you've never seen it (or, like me, saw it once, long ago, at about three in the morning while not really paying attention), you know its big beats. Goldfinger is the one where Bond is strapped to a table with that giant laser beam heading slowly toward his nether region. The one with Oddjob, the guy who throws his deadly hat. The one where the villain (Goldfinger) goes all, "No, Mister Bond... I expect you to die!"
Yeah, that one.
So, Goldfinger is kind of a ridiculous movie. And it translates into some rather ridiculous sections of game, in this week's 007 Legends. Kotaku's own Chris Person has assembled the silliest bits together for your viewing pleasure.


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China's top respiratory disease specialist Zhong Nanshan selected as a member of a panel appointed by WHO
China's top respiratory disease specialist Zhong Nanshan has been selected as a member of a panel appointed by the World Health Organization (WHO) to review the COVID-19 response.
Kenneth Fok calls for more efforts to help Hong Kong youth tap Greater Bay Area opportunities
Kenneth Fok Kai-kong, a newly-elected vice chairman of All-China Youth Federation, called for more efforts to help young people in Hong Kong to tap opportunities and find a broader arena in the Guangdong-Hong Kong-Macao Greater Bay Area.
Four GD cities hold a series of activities to brush up on education history
The event also aims to promote the integrative development of ecology, culture and tourism, the poverty relief and the rural revitalization in north Guangdong.
Fantastic weekend activities in September
Guangzhou will hold the China International Pet Fair (CPF) and the International Small Animal Medical Devices and Supplies Fair at Pazhou International Sourcing Center from September 18th to 20th.
Nutritious instant oatmeal launched to meet healthcare demand
Do you often need to rush to work or catch up on your work and have little time for a bite to eat? Are you craving a nutritious meal supplement to eat your fill and replenish lost energy?
Guangzhou to hold international colloquium on Greater Bay Area development
An international colloquium on the economic development of the Guangdong-Hong Kong-Macao Greater Bay Area is about to kick off on September 5th.
Shenzhen has 2.9m 5G mobile phone users
The number of 5G mobile phone users in Shenzhen has reached 2.9 million, ranking first among Chinese cities and taking up 4.3 percent of total users in China, data released by the Shenzhen Industry and Information Technology Bureau recently showed.
Shenzhen ok'd to be pilot for building national strength in transportation
Shenzhen has been approved by the Ministry of Transport as a pilot city in the country's drive to build national strength in transportation.
Plan issued for promoting urban integration between Guangzhou, Foshan
Guangzhou and Foshan recently issued an overall construction plan to establish a 629 square kilometers high-quality development integration pilot area for pushing urban integration in ecology, transportation, industry, culture and society.
Sign up NOW for this awesome mooncake making activity in GZ
Do you fancy making mooncakes by yourself? Here is your chance to try your hand at making both traditional baked mooncakes and new style ice skin mooncakes by the beautiful Pearl River in Guangzhou!


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Wedding Party Dresses
Women's Wedding Party Dresses
Make it easy on yourself when selecting wedding party dresses by checking out our extensive and timeless wedding party dress collection, designed from top designers with varying styles like strapless, one shoulder, high low styles and gowns with exquisite boleros, beads and embroideries. Styletheaisle gowns for wedding party are affordable and can be worn for different occasions.
322 Items Found
322 Items Found


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Marilyn Bushnell of Bushnell Services
and The B&B Team®
Serving Current and Future Innkeepers across America
Welcome to the resource that WILL be of interest to all innkeepers…both Current and Future! We are Bushnell Services, a proud affiliate member of The B&B Team®. Today, the group includes Peter & Peggy Scherman, Rick & Jan Wolf, Julie Pankey, Eliot Dalton, Linda Hayes and Kim Williams. We ARE the Go-To Team!
If you are thinking about purchasing a B&B, learn about starting a bed and breakfast, or, if you you are an innkeeper looking to grow your business or sell your inn, Let's Talk!
Bushnell Services is a licensed real estate broker in Maryland and Pennsylvania and offers innkeeping consulting, transfer, and valuation services all over the country. The B&B Team® is licensed in several other states and has offices in Virginia, North Carolina, Pennsylvania, and Maine, as well as our office in Maryland. We can help you achieve the success you deserve nationwide. We proudly work with a large number of quality inns for sale all across America and we would like to help you sell your inn or buy that bed and breakfast about which you have been dreaming.
We don't sell the dream. We help you live it.™
You can find a seminar designed for aspiring innkeepers to learn the success imperatives for starting or buying an inn. These seminars are offered almost every month of the year in locations around the country.
And we invite you visit and join in the fun and the conversation at our blog. The B&B Team® has over a century of combined experience as innkeepers, real estate brokers, and industry consultants. We wish to share our experience and passion for the small lodging industry with you. We are also frequent speakers at Innkeeping Conferences around the nation? Come check us out.
We look forward to speaking and working with you! Marilyn
Want to talk or visit in person? Just give us a call (410-422-0013)


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Gen one LEAF pack is sealed, and cooled by conduction, so the increased cooling effect from air movement when driving (never reported, AFAIK) is not likely to be very significant.LeftieBiker wrote:...The Leaf's pack does get cooled when the car is moving and the air temp is below the pack temp. That wouldn't happen with a stationary car.
All reports so far indicate Gen two packs will do the same.
Obviously, if you are using any pack in V to H or V to G you would want to take both ambient and battery temperatures into account when choosing your charge/discharge cycle, both kW rate and depth of charge/discharge.


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In the case of sites which can be viewed using more than one domain name, the persistent log-in will only work if you revisit using the same domain name. This is a security feature of your browser: for its purposes, even the presence or absence of the "www" will make a difference so, for instance, www.mysite.com counts as a different domain to mysite.com.
Using the "Log out" button at any point will clear this persistent log-in; in this case you'll need to log in again next time you visit.
This system relies on a cookie being stored on your computer: all it contains is enough information to verify your log-in when you return to the site.
Enter your email address below, click 'Go' and a new password will be emailed to you. If you don't receive a new password within a few minutes please contact Graham Johnston.
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Green Card Experts specializes in the professional handling of your Green Card Program registration with the US State Department. Our service offers to manage your entire diversity visa application process from start to finish. Learn more.
The congressionally mandated Diversity Immigrant Visa (DV) Program is performed yearly by the US Department of State and carried out based on US law: Section 203(c) of the Immigration and Nationality Act (INA). The law allows for a class of immigrants, "diversity immigrants," with visas made available to people from countries with historically low rates of immigration to the US. The yearly DV program makes 50,000 visas available to people who satisfy simple, but strict, eligibility requirements. A random computer drawing chooses selectees (winners) for DV visas. These are distributed among six world regions, and within each region, no single country may receive more than 7% of the available visas in any one year. DV visas are available only to nationals of countries with historically lower rates of United States immigration. Nationals of countries that have sent more than 50,000 immigrants to the US over the past 5 years cannot participate. The Department of State implemented an Internet-based registration system beginning with DV-2005 to make the diversity visa process more efficient and secure. The Department also uses special technologies and other methods to identify people who commit fraud or who submit multiple applications to the program.
V. GurovRussiaDV-2017 Candidate
F. and N. AndradeArgentinaDV-2012 Candidates
D. C. AchebeGhanaDV-2013 Candidate
R. and G. BragaVenezuelaDV-2014 Candidates
A. YenenTurkeyDV-2015 Candidate
S. C. LamMalaysiaDV-2011 Candidate
D. CariboniItalyDV-2012 Candidate
A. GrimesNorthern IrelandDV-2013 Candidate
E. KleinerAustriaDV-2017 Candidate
G. FriedmanGermanyDV-2014 Candidate
S. and H. MolewaSouth AfricaDV-2011 Candidates
Montillo FamilyUruguayDV-2015 Candidates
M. and F. JettouMoroccoDV-2017 Candidates
S. RosasArgentinaDV-2018 Candidate
Q. and N. TakashimaJapanDV-2013 Candidates
J. SandovalBoliviaDV-2014 Candidate
K. WildeSwitzerlandDV-2013 Candidate


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Founded in 1856, Burberry today remains quintessentially British, with outerwear at its core. Digital luxury positioning and intensive focus on design innovation, quality and heritage icons ensure continued brand purity and relevance globally across genders and generations. Burberry believes that in order to be a great brand it must also be a great company and constantly leverages the energy of its compassionate and creative thinking culture to continually innovate and drive the brand forward. Headquartered in London, Burberry is a design, marketing and retail led business with a global reputation for innovative product design, digital marketing initiatives and dynamic retail strategies.
To meet and strive to exceed individual and store sales goals while executing key strategies of retail led growth, leveraging the franchise, operational excellence and all department category development; embracing and following on a daily basis the Burberry Experience during all interactions, owning the responsibility for developing new customers, as well as maintaining relationships with existing clientele.
Sales & Service
Visual Standards
Floor Presence & Maintenance
Back of The House Support


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This Is the Manicure You Should Get, Based on Your Astrological Sign
A Beauty Fan's Guide to Facebook
From sharing alerts about free beauty samples to contests and giveaways, these are the 11 best Facebook pages to fan
Older comments
This is my favorite article so far! I became a fan of many of them and I already have and love! Thank you!!
by powerwoman033 Monday, March 12, 2012 at 11:29AM Report as inappropriate
great ! thanks,love it
by princess30 Saturday, October 1, 2011 at 04:38PM Report as inappropriate
Great pages - thank you
by LaurelJ Monday, September 5, 2011 at 06:35PM Report as inappropriate
I use heyitsfree because it has all sorts of things and not just beauty products
by loditrith Monday, September 5, 2011 at 11:17AM Report as inappropriate
this is great thank you
by LittleBunny Saturday, September 3, 2011 at 07:05PM Report as inappropriate
Added some but I'm not convinced if I'll have any use of them
by selma Saturday, September 3, 2011 at 05:23AM Report as inappropriate
I added some on facebook, but I have never really used them.
by MissPurple Friday, September 2, 2011 at 02:10PM Report as inappropriate
My favourite is loyalty schemes like I Conjure Candles have because then you get something back. They should all have money off for friends.
by beatrice_love Wednesday, July 20, 2011 at 04:30AM Report as inappropriate
Although The Beauty Place page on Facebook didn't make it on your list, they hold contests and have giveaways all the time. For example, you can win a Pink Bio Ionic Whisper Light ProDryer Set for the best beauty tip submitted today on their facebook page. I thought you might all be interested in additional legitimate places for chances to win free (and high quality) prizes. Thanks!
by smartEbrunette Monday, May 2, 2011 at 10:53AM Report as inappropriate
these are really cool websites
by azngrl25 Tuesday, April 26, 2011 at 04:29PM Report as inappropriate


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Next: ax_lib_gcrypt, Previous: ax_lib_expat, Up: The Macros
Test for the Firebird client library of a particular version (or newer). This macro takes only one optional argument, the required version of Firebird library. If required version is not passed, then 1.5.0 is used in test of existence of Firebird client library.
For more information about Firebird API versioning check: API Identifies Client Version http://www.firebirdsql.org/rlsnotes20/rnfbtwo-apiods.html
If no installation prefix to the installed Firebird library is given the macro searches under /usr, /usr/local, and /opt.
This macro calls:
And sets:
Download the latest version of ax_lib_firebird.m4 or browse the macro's revision history.
Copyright © 2008 Mateusz Loskot firstname.lastname@example.com
Copying and distribution of this file, with or without modification, are permitted in any medium without royalty provided the copyright notice and this notice are preserved. This file is offered as-is, without any warranty.


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A bout between former Strikeforce light-heavyweight champion Gegard Mousasi (31-3-2 MMA, 2-1 SF) and fast-rising Ovince St. Preux (11-4 MMA, 4-0 SF) has been booked for later this year.
The intriguing 205-pound contest will be part of a currently unannounced Dec. 17 event.
MMAjunkie.com (www.mmajunkie.com) recently reported Mousasi's expected participation in the event, though his opponent wasn't known at the time.
A host city and venue have been announced the show, which airs on Showtime. The event is expected to be Strikeforce's final one of 2012. Notables such as lightweight champion Gilbert Melendez, women's featherweight champ Cristiane "Cyborg" Santos, Gina Carano and Keith Jardine are all expected to be part of the lineup.
Mousasi fights for the first time since he fought Jardine to a draw at "Strikeforce: Diaz vs. Daley." In a fight expected to crown the next contender to the title he once held, Mousasi was ahead on two of three scorecards at the conclusion of his bout with Jardine, but a point deduction for an illegal upkick in round one prompted a majority draw.
Mousasi got back on the horse in July at "DREAM: Japan GP Final" with a first-round TKO of Hiroshi Izumi, which served as the first defense of his DREAM light-heavyweight title.
He now meets St. Preux, who looks to build on his eight-fight win streak, which has included Strikeforce victories over Antwain Britt, Benji Radach, Abongo Humphrey and Joe Cason. The former University of Tennessee linebacker/defensive end currently trains with Knoxville Martial Arts Academy in Tennessee, where he launched his pro career in 2008 with organizations such as XFC and Shark Fights.
For the latest on Strikeforce in December, stay tuned to the MMA Rumors section of MMAjunkie.com.
(Pictured: Gegard Mousasi)


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I think many of the ideas you guys are offering for "girl products" are still a tick too complex and techy. I think, if I would want to get a young girl started with electronics I would start without an arduino, but just getting her familiar with simple circuits. I think the perfect starting product would be lady ada's minty boost.http://www.ladyada.net/make/mintyboost/ If I where to design new gadgets for girls, I would start from there - analyze why this was succesfull and create something with similar proporties. We see here, the usefullness of this itam is very obvious and direct, while the complexety of the design is low and very basic. Also, the overall design is smart and appealing.p.
Look at the average - stereotype boy getting interested in electronics: Either they soaks it up from his environment where their parents / elder siblings play around with electronics or they fail to succeed at more popular topics like sports, so they choose a domain where the bullies won't go (because of the lack of status) or where they have a better chance at succeeding.And make things even worse, people working in electronics aren't in most cases really the glamorous type, they have a bigger chance of being the misfit-type or the introverted type. In short, there are many people who spend a lot of time with their gadgets to succeed, which is time not spent with other people. This reduces the attraction of electronics (and similar solitary subjects) even further.Now the big question: What does electronics offer to a girl? In most cases they already have easier areas to retreat to to get away or need it less.From what I've seen, initiatives not providing at least some answer to this question don't really achieve much.Korman
@liudrI think your reaction to fkeel might be a bit too fast, let me explain. I see two things: the message and the form of the message. The form is what "triggered" you, without paying enough attention to his message. The form is just the carrier of the message and I have learned (as requirements engineer) to look through that. It is the difference between HOW people say WHAT they mean. So lets just focus on the message.The message of fkeel is : "listen to the people you want to reach by looking at their context". Similar statements are made earlier in this thread an it means that (other recent post) if you want to reach girls in the age 12-15 you must understand about what in their context/mindset is important. Think everyone will agree on that as it is basic marketing - excuses for using the M word on a tech forum The discussion should focus on how to reach them (boys and girls). The answer comes also from marketing (did it again and the word is seduction. The (not allways educative) power of commercials. If you can get a "I want that too" feeling, people go far to reach their goal. Seduction is about showing end-results, called products, and their benefits. A technique I often used to gather requirements was the persona. - read the book: The Inmates Are Running the Asylum, Alan Cooper -. Basically you describe a fictive customer in as much detail as possible and that person is the archetype for your whole customergroup. We often used 2-6 in projects, archetype per role.<example persona>...
If you have a example to show them (with enough bling bling on it and painted pink it will work I guess .
Just $50 is enough for the kids education?
I wish to go to high schools to demonstrate to those kids what science and engineering is about and there are very interesting topics but to make an impression to girls around age 12-15 I need girl presenters. I was presenting at a women engineering on campus event for that age range girls but after almost a full day of presenting, only less than 10 showed up. The campus organizers didn't do their work and I consider it was wasting my time to present three sessions to an average of 3 girls each session for 1 hours each.Hell, I'm a guy. How should I blame them for only sending out registration forms to high schools? They should personally go the the high schools, show pictures of the past event and encourage more girls to come. You can't magically convert a bunch of girls from loving what society tells them to do as young girls into liking science-engineering subjects.
Basically you describe a fictive customer in as much detail as possible and that person is the archetype for your whole customergroup. We often used 2-6 in projects, archetype per role.<example persona>A minimal persona: archetype Girl, 13 year- Linda, has one older brother Jason...... [Got a picture?] How can we seduce Linda for technique? What would she like to have to make her live happier? Ok from the persona profile I can think of the following product concepts (that might include Arduino tech)- A detection system that shows that her sister Kate was in her room. Actually it shows if anyone was in her room. Better if someone is now in my room ! - RFID tags in make-up to end discussion about "that is my lipstick Kate", - A detection system that warns when Jason is around,- A handbag she will never forget,- A something thingy to share secret messages with her friends,- A diary that only she can open ("Mom, that stupid Kate got my diary!!!") - ...(think you allready have ideas how to make these)</example>
All interesting ideas here.Quotefemale -> lillypad -> Leds on clothingI personally think this is a poor idea that people seem to have.
female -> lillypad -> Leds on clothing
Girls of a young(ish) age (as said above) I can see being much more interested 'secret stuff', things that tell them something, hide something etc. As for specific projects, that's a hard one.I started this:http://collabedit.com/7cr9kFeel free to change stuff around - lets see what people come up with. Stick your name in top right.


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Turnt OutFavorites [+]
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Habits For Health - Part 5: Spiritual Health
9th November 2020
Speaker's Bio
Ms. Rukmini IyerEmail: firstname.lastname@example.com
Rukmini Iyer is a behavioural trainer, coach and organization development
consultant with over eight years of experience in the Asian markets.
She is also a freelancer writer and public speaker on soft skills and
� Advanced Communicator Bronze (2009) and Competent Leader (2009) Awards from Toastmasters International, USA
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Food & Drink
Four Seasons launches luxury jet experience
By Karla Cripps, CNN • Updated 24th April 2014
Four Seasons Hotels & Resorts is entering the aviation game.
Sort of.
The Toronto-based luxury accommodation brand has leased its very own Boeing 757, to fly guests on global tours starting February 2015.
Renderings of the black airplane -- dubbed the "Four Seasons Jet" -- show the brand's leaf logo on the tail, while execs say the interiors of the retrofitted plane will be customized by the company's design team.
Flatbed seats and in-flight Wi-Fi are a given.
"[It's] a natural extension of what we've been doing in our hotels for more than 50 years," said Susan Helstab, executive vice president of marketing, in a statement.
The Boeing 757 is a twin-engine short-to-medium-range jetliner that can fly both long- and short-range routes.
On November 28, 2005, Boeing wrapped up the 23-year run of the single aisle 757 passenger airplane but says more than 1,030 of its 1,050 757s are still in service.
Commercial airlines usually fit out these planes with at least 200 seats, but the Four Seasons Jet will have 52 in a 2-2 configuration.
MORE: The world's 33 hottest new hotels are ...
Around the world in 24 days
Four Seasons says it's already accepting reservations for trips in February, April and August.
First up is "Around the World," a 24-day, nine-destination trip that starts in Los Angeles and ends in London.
The price is $119,000 per person and stops include Hawaii, Bora Bora, Sydney, Bali, northern Thailand, Mumbai and Istanbul.
A shorter tour, called "Backstage with the Arts," is a 16-day European trip in April through Paris, Lisbon, Milan, Istanbul, St. Petersburg and Prague.
Each journey includes air travel and ground transportation, planned excursions, all meals, some drinks and accommodations -- only in Four Seasons properties, of course.
In-flight staff will include a concierge to coordinate with local Four Seasons concierges in each destination.
MORE: Africa's most luxurious safaris
Is there a market for such an indulgence?
Bora Bora, one of the stops on Four Seasons' upcoming around-the-world trips.
Courtesy Four Seasons
In a 2014 report on the global business of luxury, the
Boston Consulting Group
said that today's ultra rich are looking for experiences out of the ordinary.
"Luxury experiences are by far the most powerful driver of luxury spending everywhere," said Jean-Marc Bellaïche, a BCG senior partner and coauthor of the report.
"Collectively, they make up nearly $1 trillion of the annual global total. As older consumers realize that they have all the 'things' they want -- and as younger people favor experiences they can share with their friends -- consumers are spending more on everything from dining at five-star restaurants to exotic vacation travel."
Four Seasons has been offering similar private jet journeys via a chartered company since 2012. According to Gelb, they've been extremely popular, which encouraged the company to look for new ways to evolve.
"The Around the World trips continuously sold out, and often had waiting lists, underscoring how important this level of experience is to our guests," she told CNN.
"In fact, many of our travelers have booked more than one private jet trip with Four Seasons and some even have private jets of their own, but what they are seeking is an unforgettable adventure in the company of like-minded travelers, one that delivers the uncompromised luxury that is the hallmark of Four Seasons."
In terms of competition, luxury tour companies like
Abercrombie & Kent
National Geographic Expeditions
Remote Lands
offer similar journeys geared toward wealthy travelers looking for a bit of adventure.
And the list of potential clients keeps growing.
The number of ultra high net worth individuals (UHNWIs) across the world has ballooned by 59% since 2003, taking the number of people with more than US$30 million in assets to over 167,000 worldwide, according to global real estate firm Knight Frank's 2014 Wealth Report.
The fastest growth has been seen in the Middle East, Latin America, Australasia and Africa.
MORE: World's most luxurious dragon hunt
A year of the world's
Best Beaches
There's a perfect beach for every week of the year. Join us on a 12-month journey to see them all
Go to the best beaches


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in early-january, 2013, myself and my 2012 triumph tiger 800xc will be arriving to Valparaiso, Chile to start a trip i've been dreaming about for a long time. my current plan is to ride to buenos aires, argentina to florianopolis, brazil to visit some old friends, then back-track down to the end of the world - ushuaia, argentina, and then make my way up the south american west coast to bogota, columbia where i'll fly myself and the dirty bike back to portland. i've not yet hammered out many of the waypoints. rather, i'm wanting to collect suggestions from other riders, and in general, go where the bike takes me. i've been riding street motorcycles since i was 10 or so, but am relatively new to adventure riding and off-road riding. i've travelled the world a good amount, but never on two wheels. in december 2011, after a lot of research, i purchased a 2006 suzuki dl-1000 v-strom, assuming that would be my bike for this trip. with the stroms, you get a lot of bike for your money. however, after spending several months farkling her out, i finally took her off-road in the steens mountain wilderness in southeastern oregon. verdict: too porky! so after a week or two of fighting the inevitable, i spent the next month or so stripping her back down, selling off all the farkles to delighted discount buyers, and then sold the dl-1000. i knew the roads of south america would be challenging from the research - you can find anything from perfect pavement, to washed out gravel, to potholes the size of a truck. i'm 6' 4" and 225 lbs, and have a bit of a messed up neck with 4 blown cervical discs. i wanted a lighter bike to make it easier on myself, but still wanted enough power to pass authoritatively, and enough comfort to ride 10,000 - 15,000 miles in several months. after test rides at a local dealer, i was about to purchase a used 2009 bmw f800gs - then i was encouraged to test out a triumph tiger 800xc. not sure what happened that, day, but i feel in love with the tiger instantly and within a couple of weeks decided to throw down for a new one at oregon's oldest triumph dealer, cascade moto classics. (great bunch of people!) so i then repeated the farkling process all over again - *sigh* - made much easier for the fact that triumph has some really well thought-out accessories for the 800xc - and about a month ago, my bike and my gear were all assembled. (see my gear list and gear photos in subsequent posts.) in late august of 2012, i rode a 2,500 mile loop from portland, oregon to british columbia and alberta, canada to test out the bike, my gear, and myself for the "big trip". everything went really well, and i feel prepared. (check out that ride report here, as it is the prequel to this one.) having spent about 9 months googling, vetting, buying, returning, googling, buying, mounting, un-mounting, returning, buying, googling, etc, etc, etc ad naseum - i feel like an expert in adventure motorcycling gear. (UPS and Fedex are my biggest fans). i used this and many other forums, as well as the thoughtful input of other inmates here at advrider.com and the good people over at horizonsunlimited.com to get where i'm at now, and hope to give back some of that knowledge to riders that follow me. so in that spirit, i'll subsequently post my gear list, photos of my riding setup, useful links, and any reviews or tips on products that i think would be helpful for others. now that i've got the bike and gear finally all sorted out, i've switched modes into preparation for my actual south american trip. although i speak portuguese fluently, i'm learning spanish to discern the differences. i've been meeting with anyone and their dog locally that will talk to me about their experiences adventure riding (the motobrothers, radioman (fellow portlander), and many more. i've been learning a lot about motorcycle repair and maintenance under the wing of my new friend and and former trials bike rider, damon - we spent a lot of time pulling parts off the v-strom to farkle and un-farkle her. and so here i am, starting my reporting, although i have 4 months to wait. by starting the ride report early, i'm hoping to document the excitement that comes along with the preparation and the wait. perhaps that can be useful, interesting, or otherwise entertaining for anyone who wants to follow along. i'm also hoping that those who have done this ride, or want to do this ride, will chime in and become part of the conversation. i could use suggestions for places and motorcycling roads not to miss, great spots to stay or restaurants to eat at, people to meet along the way, and more. i'll take whoever is interested along on the journey, and share as much as i can good and bad, as well as devoting myself to posting great photos and videos along the way. viva la moto! cheers, porkandcorn portland, oregon usa also find this blog mirrored at: WWW.PORKANDCORN.COM <iframe width="300" height="300" frameborder="0" scrolling="no" marginheight="0" marginwidth="0" src="https://maps.google.com/maps?f=d&source=s_d&saddr=Buenos+Aires,+Autonomous+City+of+Buenos+Aires,+Argentina&daddr=BR-472+to:Florianopolis+-+Santa+Catarina,+Brazil+to:Montevideo,+Uruguay+to:Ushuaia,+Argentina+to:Carretera+Austral,+Coihaique,+Chile+to:Santiago,+Chile+to:Salta,+Argentina+to:Santa+Cruz+de+la+Sierra,+Santa+Cruz,+Bolivia+to:La+Paz+Department,+Bolivia+to:Lima,+Peru+to:Quito,+Pichincha,+Ecuador+to:Bogota,+Colombia&hl=en&geocode=FTX97_0d5yqF_Cm9DPlOO8q8lTGHjuiILoGzoA%3BFWVSQP4dDRug_A%3BFZjnWv4dsjEb_SmfuH7hv0knlTEYKrqfTOPW0w%3BFeW36_0dSLum_CnT9zvG_4CflTGZ7Fs1Lhsyaw%3BFQjKu_wdmcft-ym_CdG6tSJMvDH860O6PUeYVA%3BFQBiSP0dai-0-ykzfaJk-8TyvTGNZmd0-YKjuw%3BFUBNAf4dsxbK-ykvryUEQcViljExCQ9APNV1hA%3BFazXhf4dxeMZ_Cn5t1FRo8MblDEG8ofVLJnNpQ%3BFVVg7_4dQLI-_CljGsCnHOjxkzEbYWekUwqLXA%3BFabBGf8dVWXq-ymVort3id9ekTEouFKfM8mZJA%3BFTgqSP8dxR9o-ylnllMe28gFkTEp2nugilNFTw%3BFaWx_P8dRe5R-ymffEICQJrVkTFyVe9Y4ZG5RA%3B&aq=0&oq=bogota&sll=-27.44979,-63.457031&sspn=55.185976,107.050781&mra=ls&via=1&ie=UTF8&t=m&ll=-24.846565,-63.632812&spn=87.554753,105.46875&z=2&output=embed">
<a href="https://maps.google.com/maps?f=d&source=embed&saddr=Buenos+Aires,+Autonomous+City+of+Buenos+Aires,+Argentina&daddr=BR-472+to:Florianopolis+-+Santa+Catarina,+Brazil+to:Montevideo,+Uruguay+to:Ushuaia,+Argentina+to:Carretera+Austral,+Coihaique,+Chile+to:Santiago,+Chile+to:Salta,+Argentina+to:Santa+Cruz+de+la+Sierra,+Santa+Cruz,+Bolivia+to:La+Paz+Department,+Bolivia+to:Lima,+Peru+to:Quito,+Pichincha,+Ecuador+to:Bogota,+Colombia&hl=en&geocode=FTX97_0d5yqF_Cm9DPlOO8q8lTGHjuiILoGzoA%3BFWVSQP4dDRug_A%3BFZjnWv4dsjEb_SmfuH7hv0knlTEYKrqfTOPW0w%3BFeW36_0dSLum_CnT9zvG_4CflTGZ7Fs1Lhsyaw%3BFQjKu_wdmcft-ym_CdG6tSJMvDH860O6PUeYVA%3BFQBiSP0dai-0-ykzfaJk-8TyvTGNZmd0-YKjuw%3BFUBNAf4dsxbK-ykvryUEQcViljExCQ9APNV1hA%3BFazXhf4dxeMZ_Cn5t1FRo8MblDEG8ofVLJnNpQ%3BFVVg7_4dQLI-_CljGsCnHOjxkzEbYWekUwqLXA%3BFabBGf8dVWXq-ymVort3id9ekTEouFKfM8mZJA%3BFTgqSP8dxR9o-ylnllMe28gFkTEp2nugilNFTw%3BFaWx_P8dRe5R-ymffEICQJrVkTFyVe9Y4ZG5RA%3B&aq=0&oq=bogota&sll=-27.44979,-63.457031&sspn=55.185976,107.050781&mra=ls&via=1&ie=UTF8&t=m&ll=-24.846565,-63.632812&spn=87.554753,105.46875&z=2" style="color:#0000FF;text-align:left">View Larger Map porkandcorn by porkandcorn, on Flickr porkandcorn on the icefields parkway, jasper, ab, canada by porkandcorn, on Flickr


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Join me and discover the joy of authentic travel experiences. Subscribe here. Watch your inbox for an activation email.
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The use of traveling is to regulate imagination by reality, and instead of thinking how things may be, to see them as they are.
Click the map to find articles and travel tips about your favorite destinations.


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Red, White, and Blueberry Icebox Cake Recipe
Decked out with strawberries, blueberries and plenty of fresh whipped cream, this is a picnic-perfect dessert for your Fourth of July celebration.
- Yield:12
- Active time: 20 minutes
- Total time:6-12 hours (includes chilling time)
- 1 quart strawberries
- 1 tablespoon fresh lemon juice
- 1/2 teaspoon lemon zest
- 3 tablespoons sugar, divided
- 1 pint heavy whipping cream
- 84 vanilla wafer cookies (approximately 1 1/2 boxes of cookies)
- 1 teaspoon vanilla extract
- 1 pint blueberries
Wash and hull strawberries. Set aside half the strawberries for garnish and puree the rest in a food processor. Transfer puree to a medium sized bowl and stir in lemon juice, zest, and 1 tablespoon of sugar. Set aside.
Beat 1 cup of cream with electric mixture on high speed until soft peaks begin to form. Slowly fold in strawberry puree and continue beating until stiff peaks form.
On a large plate or serving platter, spread 1 tablespoon of strawberry whipped cream on the bottom to anchor cake to plate. Top with 14 wafer cookies in a circular pattern.
Using a spatula, cover wafers evenly with strawberry whipped cream, then top with wafer cookies. Repeat until you have 7 layers of wafers.
Beat remaining cup of cream with two tablespoons sugar and vanilla until stiff peaks form. Using a spatula, spread whipped cream along top and sides of cake. To create the star design: cut a strawberry into 5 equal sized slices with a small slice to cover the space in the center of the star. Place the strawberry star in the center of the cake and top with blueberries in a circular pattern. Halve the remaining strawberries and arrange in an outer ring along the edge of the cake. Refrigerate for 6 hours or overnight before serving.
This Recipe Appears InAmerican Classics: Red, White, and Blueberry Icebox Cake
All products linked here have been independently selected by our editors. We may earn a commission on purchases, as described in our affiliate policy.


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Find out more about Mohawk Skytone
Mohawk Blog
ICON dug deep into South Downtown Atlanta's history to tell a story about its future through texture and typography.
Maker Quarterly
Each issue of the Mohawk Maker Quarterly relies on a single word for its creative framework. In issue thirteen, that word is "disruption."
Field Guides
An envelope is a simple and familiar form. It requires no power source or special reader to be held, read and understood. Equal parts function and first impression, an envelope has all the right elements to make any project exceptional.


text: Job Discussion Forums :: View topic - teaching English as a classroom teacher Get TEFL Certified & Start Your Adventure Today! Job Discussion Forums"The Internet's Meeting Place for ESL/EFL Students and Teachers from Around the World!" FAQ Search Memberlist Usergroups Register Profile Log in to check your private messages Log in teaching English as a classroom teacher Job Discussion Forums Forum Index -> Argentina View previous topic :: View next topic Author Message laranylanderJoined: 10 Mar 2009Posts: 5 Posted: Tue Apr 14, 2009 11:39 am Post subject: teaching English as a classroom teacher Hi, I was just wondering if anyone has had experience or can give advice on teaching in a public or private school in Buenos Aires. I know there are a lot of private institutes for teaching English and private classes available but I prefer teaching children in schools. I also know there a couple of American and British schools in Buenos Aires but they don't seem to be hiring very often. I have a teaching credential from the U.S. but I don't have a TEFL certification or Argentine citizenship for that matter. Has anyone had any luck teaching in local Argentine private or public schools as a classroom English teacher? Thank you Lara Back to top schern19Joined: 06 May 2009Posts: 7 Posted: Mon May 11, 2009 5:24 am Post subject: Hi I'm sorry to say I can't answer any of your questions because I am on the same boat as you. If you have found answers to any of these questions can you let me know.... Thanks! Back to top laranylanderJoined: 10 Mar 2009Posts: 5 Posted: Fri May 22, 2009 10:19 am Post subject: Hola, I still don't have much more information but I was looking in the classified section of lanacion.com and I found some advertisements from schools looking for teachers. I found out that you need to get all of your transcripts and teaching credential, etc. sent to the apostille to be certified before you get to Argentina and then brought to the government education office to be officially translated into Spanish when you arrive in Argentina. Also, check out this link for a list of English speaking schools in Argentina. I hope this helps Lara Back to top jooooooeyJoined: 16 Dec 2009Posts: 65 Posted: Sun Jun 26, 2011 11:53 am Post subject: What are the requirements for teaching EFL in the public schools (or private schools, for that matter) in Argentina? Does one need a teaching credential, or will a lot of experience and a degree suffice? I realize it's a little difficult to get schools to sponsor a visa, but I was just wondering. If laranylander or anyone else has any more information, please let us know. This forum is kind of quiet. Thanks. Back to top Display posts from previous: All Posts1 Day7 Days2 Weeks1 Month3 Months6 Months1 Year Oldest FirstNewest First Job Discussion Forums Forum Index -> Argentina All times are GMT Page 1 of 1 Jump to: Select a forum Where to Begin----------------General DiscussionNewbie ForumCurrent Events ForumTechnology ForumOnline Teaching Forum Africa Forums----------------General Africa Forum Asia Forums----------------CambodiaChina (Job-related Posts Only)China (Off-Topic)Hong KongIndiaIndonesiaJapanMalaysiaPhilippinesSingaporeTaiwanThailandGeneral Asia ForumVietnam Caribbean Forums----------------General Caribbean Forum Europe Forums----------------Czech RepublicFranceGermanyGreeceItalyMacedonia and the BalkansPolandRomaniaRussia & C.I.S.SpainTurkeyUkraineUnited KingdomGeneral Europe Forum Latin America Forums----------------ArgentinaBrazilChileColombiaCosta RicaMexicoMexico (off-topic)PeruGeneral Latin America Forum The Middle East Forums----------------BahrainEgyptIsraelKuwaitOmanQatarSaudi ArabiaUnited Arab EmiratesGeneral Middle East Forum North America Forums----------------General North America Forum Oceania----------------Australia/New Zealand You cannot post new topics in this forumYou cannot reply to topics in this forumYou cannot edit your posts in this forumYou cannot delete your posts in this forumYou cannot vote in polls in this forum This page is maintained by the one and only Dave Sperling. Contact Dave's ESL Cafe Copyright © 2018 Dave Sperling. All Rights Reserved. Powered by phpBB © 2001, 2002 phpBB Group Teaching Jobs in China


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Great - Joanna, Cam Cottage , 3 Fisher Street,
Great, easy to use & no Hamster smell!


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Rescue & Safety Kits
There are a number of accidents which can and do occur in confined spaces. Also, if someone is involved a fall with a fall arrest harness on, they are exposed to additional serious injury or death, if they are not retrieved in a safe amount of time, which may be as short as 5 minutes. Every company should have a rescue safety plan in place in the event of a fall or confined space conditions. There exists different kinds rescue safety kits and several choices depending on your budget, the kind of industry you are working in, and how serious you are about keeping yourself or your workers protected. Browse the products below from brands like SafeWaze, French Creek, DBI-SALA, Miller and click on the image or title for larger images and a more detailed description
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French Creek U-Step
Miller Step Relief
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French Creek 6' U-RES-Q Single Leg Shock Lanyard with Snap Hooks
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Guardian Gotcha Fire and Rescue Kit
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Evaluating in the Real World
Quality isn't a beauty contest
In this module we showed you an easy example. The truth is, it may not always be easy to find the truth about a Web site.
What makes it even more challenging for you is that there are many sites that appear to meet evaluation criteria, but are in fact, not credible. A lot of spoof web sites (like malepregnancy.com) meet every single evaluation criteria on the surface. But when you dig a little deeper and apply the A.S.P.E.C.Ts, you realize it's all glitz.
Evaluating Web sites isn't a beauty contest. Avoid the temptation to automatically think a site is credible because it "looks good." The opposite is just as true -- there are a lot of great sites that aren't flashy or visually appealing. The real beauty of a Web site is how well it meets the evaluation criteria and what kind of ideas and information it provides.


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Alaska :: Home Grown VEGAN LEATHER PATCH
Alaska :: Home Grown VEGAN LEATHER PATCH
All patches are Made-To-Order.
Because each one is specially made for you, please allow 1-2 weeks before shipment.
- 2.5″ wide x 2″ tall
- vegan leather "pleather"
- co2 laser engraved and cut in-house
- 28 needle-sized holes for easy attaching
Did you know that we make everything in-house?**
On an average day, I'm sewing like a maniac. If you could see my closet (and the laundry baskets that haven't made it to the closet yet) you would understand why I sometimes take my sewing obsession and turn it into clothing and accessories for others. My closet space thanks you for taking some of these items off of my hands.
For our wooden items, we own a C02 laser that allows us to engrave and cut a multitude of materials. We spend most of the time with that machine engraving sweet, sweet designs into wood. But sometimes we will branch out and try new materials.
Our crocheted goods are lovingly handmade, most of the time while watching Star Wars and Marvel movies / tv shows as a family. It's been such a passion of mine since I first picked up a hook during my pregnancy in 2009. The rest is history.
Everything else is dreamt up and created with excitement and passion, under the roof of our family home. You can always tell what has recently inspired our family of three, by the items that start appearing in our shop.
**Our only exception to this rule is for stickers, mugs, custom printed fabrics and Pop Grips. We've selected some pretty awesome manufacturers that are willing to print our designs onto high quality products that we love. They receive some pretty thorough inspection before receiving a stamp of approval and being sent to our customers.


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January 1, 2014 at 12am to January 1, 2015 at 12am – Online The course for marine designers, builders, etc. who have no experience and would like to learn how to model boats in short order. The course is self-paced and follows the line of the Proboat courses… Organized by Cliff Estes | Type: online, class, -, marine, modeling
July 7, 2014 at 2:30pm to September 26, 2014 at 5:30pm – India Learn to create 3D jewellery designs with the help of versatile software – Computer Aided Designing (CAD) - Rhinoceros at Indian Institute of Jewellery Organized by Indian Institute of Jewellery | Type: upcoming, course
September 13, 2014 at 9am to September 27, 2014 at 6pm – Bucharest, Romania Module Rhinoceros advanced course is intended for architects and designers who already have used Rhinoceros. This course explores advanced techniques for three-dimensional modeling and focuses on the… Organized by idz arhitectura | Type: rhino
September 22, 2014 to October 1, 2014 – Architecture Department, University of Patras FOLDED FORCE :: Projections Greece | Patras AA Greece Visiting School is a mobile workshop series which will travel and reach every other city outside the country's capital. It functions as a 'sate… Organized by Alexandros Kallegias | Type: generative, design, computation, digital, fabrication, interactive, kinetic, maya, rhinoceros, grasshopper


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Mrs. Nesbitt's ABC-WednesdayRound 20-K
My 135th entry – bijdrage
Started-Gestart: 28-08-2014 : 15-G
Hello and good morning, -afternoon, -evening, dear people who all participate is this wonderful photo-meme, which is a joy to me, week after week, after week. I'm always curious to what you come up with!
The challenging letter of this week is K and I've chosen for: KOALA
Originated from eastern Australia, they nowadays can also be found in Europe but only in zoo's. They feed solely on eucalyptus and eat appr. for 4 hrs a day, the other hours they sleep. They never have thirst because of the moisture in the eucalyptusleaves. They mostly live in solitude and are also know for their sound, they make the sound that sounds very similar to the barking of a dog.
Early 20th century they were endangered but thanks to the effort of lots of people extinction was prevented, thankfully. They're lovely looks had certainly something to do with that. The largest population resides on Kangaroo-island.
Generally there are 3 species of Koalas; Victoria-Koala, Queensland-Koala en de New South Wales-Koala. The Victoria-Koala has a thick darkbrown fur. The Queensland-Koala has a thinner (blue-gray) fur because it lives in a much warmer area. The New South Wales Koala (the most common version) has a gray fur. Koala's are very good swimmers but don't feel happy on the ground, and they are one of the very few mammals who don't build nests. The young Koala has to stand on its own feet from aprox. 1 year of age.
The one on the photo lives in a Belgian Zoo, in Antwerp to be precise, which is a 3hrs. drive to the southe from where I live.
I photographed him/her last januari.
Have a nice ABC-Wednesday-day / – week ~
♫ M e l o d y ♫ (ABC-W-team)
(preview Round 21)


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The Marshal Service of the Henderson Municipal Court is located on the 3rd Floor of the Henderson Justice Facility and is open from 7:45 am to 5:00 pm Monday through Thursday. The Marshal Service is closed on Fridays and all City-recognized holidays.
The main phone number for the Marshal Service is (702) 267-3370.
The Marshal Service is responsible for serving warrants and providing security for the Justice Facility.
The Henderson Municipal Court's Active Warrant List includes the warrant type and bail amount. To clear a warrant, you must post the bail amount in full. If you are unable to pay the full bail amount, you may speak with a marshal about your options by calling (702) 267-3370. You may also leave an anonymous tip on the Warrant Tip Line.
Warrants for Failure to Pay and most Failure to Appear Traffic warrants can be paid online. All other warrant types must be paid in person or via the mail with cash or certified funds. After the bail has been posted, a required appearance Arraignment will be scheduled for the defendant to enter a plea on the warrant charge.
You may post bail on ALL warrant types with cash or certified funds:


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Total plays:
Welcome, You can play Bomb It 5 free online flash games On mzbox.com, now, this game have 194 total plays, have rating 0 good and 0 bad. Fun and happy day. Play Bomb It 5 game, you may need to download Flash Player or Shockwave Player browser is not installed will be prompted.
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Son tweetlərimiz
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With CloudLinux OS, the CageFS virtualization, every user has their own 'Cage' and cannot read another user's files or system files. But, user's environment will be fully functional for each user.
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Last fall I called PierMagic to do some polyjacking of my sidewalk. A section had dropped causing a trip hazard. After researching mudjacking vs polyjacking I decided that polyjacking was the way to go. Mudjacking requires heavy equipment, large drill holes and often is only a temporary solution.
The polyjacking is done with smaller equipment and smaller drill holes and little mess to my yard.
When they first arrived at my house, they had to set up their machine by connecting it to a power source. The chemicals were added to the machine and it all had to warm up. Polyjacking is a combination of two chemicals ran through two hoses. When the chemicals are injected into the ground, they turn into a foam that fills the void underneath the concrete. The technician drilled 3/8" holes into the section of sidewalk that had dropped.....
After the machine was warmed up and ready to go, they injected the polyjacking foam a little at a time. I watched as they would stop and wait after each injection to see if the slab was raising.
I could visually watch the section of sidewalk lifting and becoming even with the driveway.
Below you can see where the two pieces of concrete are now even....
After the job was completed, PierMagic cleaned the area for me. A little foam remained in the joints but after a few weeks it became less noticeable. The 3/8" holes were plugged and filled in with a concrete caulk.
It must have been my lucky day. A PierMagic owner and sales guy showed up to see how things were going!
Overall I was very pleased with the work and would highly recommend PierMagic. They also do foundation repair and new sump pump installation. A couple of years ago I had them install a new sump pump with battery back up for me.


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Message Board
Camilla Gibb Message Board
Talk about the novels, new and used books that Gibb has written!
Author Gibb's Book Reviews
Mouthing the Words
Thelma Ann Barley is molested by her father, negelcted by her mother and seeks solace as a young child in her imaginary friend, Herion, Ginniger and Janawee. We see Thelma grow up through anorexia, multiple personality disorder and depression she finds love but loses it. ...
Petty Details Of A So-and-So's Life
Emma and Blue are two siblings who have to battle their mother and father to achieve independance. Blue has to escape his father's neglectful magnetic pull on him, and Emma has to fight society over her sexual orientation....


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PEORIA — A 19-year-old Peoria woman reported she was hit in the head Wednesday night while waking in the North Valley.
The woman told police was walking through the intersection of Northeast Madison Avenue and Park Avenue at 9:30 p.m. Wednesday when three women reportedly ran up to her and struck her head with an unknown object. She fell down and saw the three females run away in an unknown direction.
She did not require hospitalization. Police had no suspects as of Saturday night.


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Serving the SW Metro area including Eden Prairie, Chanhassen, Wayzata, Waconia, Shakopee, Prior Lake, Minnetonka, Savage, Carver, Chaska, St. Bonifacius, Hopkins, Excelsior, Victoria, Hopkins, and surrounding communities.
Custom Cabinets | Refacing & Remodeling | Kitchen Tune-Up
Kitchen Tune-Up in Eden Prairie, MN is here for all of your kitchen remodeling and custom cabinet needs. Whether your kitchen needs a quick update or a complete remodel, Kitchen Tune-Up located in Eden Prairie, MN has options available at different price points. Our services include 1 Day Wood Restoration, redooring, cabinet refacing, custom cabinets and design, and much more. If you are looking for a quick & affordable update to your existing cabinets or want a more dramatic change, contact us to learn more about our range of kitchen remodeling services. You don't have to live with a kitchen you don't love! We aren't like ordinary remodelers and believe that updating your home should be a fun and enjoyable process. We know that communication is key, and we will always return your calls within 24 hours. Contact us today to learn more about our wide range of remodeling options and to decide what might be best for your kitchen. Cabinet refacing is very popular because the original cabinet boxes stay in place. You get to choose new doors & drawer fronts in the color and style of your choice. Get a modern new look, often in under a week. With cabinet refacing the kitchen is transformed without the time, cost, and mess of a complete renovation. Also ask us about custom cabinets for any room of your home or business.
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New Honor Society Recognizes Transfer Students
Apr. 30, 2013
ST. LOUIS, APRIL 30, 2013 – This week, Webster University officially welcomed an organization
that will provide a community specifically for transfer students.
The Delta Upsilon chapter of Tau Sigma was officially chartered on Sunday, April 28, as a student group on Webster University's campus and 77 students were inducted as the first members of the society. Tau Sigma is an academic honor society designed to recognize and promote the academic excellence and involvement of transfer students.
Transfer students make up 47 percent of the University's student body on the Webster Groves campus. Transfer students face different issues than other students who started as freshmen. It can be a challenge to adjust to a new campus, new professors and fellow students who have already formed communities and friendships. Having a chapter of Tau Sigma will help make the transition easier.
"Webster is a very diverse campus and it is important to recognize the diversity," said Debbie Zamora, a senior at Webster University and founder of the Delta Upsilon chapter. "We are hoping to create events that will allow all transfer students to become engaged. Eligibility in the group is based on academics; however, the group is so much more than that. It is about community and belonging."
The community aspect is what attracted new member Renee Laury to the society.
"Membership can help with scholarships but it's also important to meet people with similar goals that you can lean on," said Laury.
Faculty advisor, Scott Jensen agrees that the group is a necessary community for transfer students.
"Anything that acknowledges student excellence and initiative is important," said Jensen. "Often transfer students are short-changed because they come into an existing system."
To become a member of the Delta Upsilon chapter of Tau Sigma, transfer students must have completed at least 13 credit hours at Webster and must have a GPA of 3.5 or higher.
While attending St. Louis Community College, Zamora was very involved in Phi Theta Kappa, an honor society for students attending two-year colleges. She worked for a year to bring Tau Sigma onto Webster's campus, finding a faculty advisor and securing the School of Communications as the sponsoring school for the group.
"It was important that I attend a university that had another honor society," said Zamora. "Tau Sigma does not reach all transfer students but it's a start. I hope that the Delta Upsilon chapter of Tau Sigma can be the leaders for transfer students who choose Webster and finish their degree here."
Tau Sigma was incorporated as a non-profit in 1999 with Auburn University being the home of the first chapter. There are more than 100 universities who have established - or are in the process of establishing - Tau Sigma chapters on their campuses to help improve the services that they provide to transfer students.


text: D50 1597 Eco is a customized version of the D50 1597, which is initially designed for The Oceania hotel in St. Malo, France, designed by Fosters and Partners. By making the light 5 cm flatter, than the original version, FOC was able to match the budget from the client. This light is also now added in the FOC Collection.


text: HPI Racing is proud to announce sponsorship of the Extreme Team Savage Ride Truck. This full sized monster truck travels around America to monster truck events, fairgrounds and promotional events. At the events, the Extreme Team Savage Ride Truck gives spectators a chance to experience a ride in a real monster truck. The truck is a specially modified monster truck that has seating for 10 in the truck bed and 4 more in the cabin, riding on huge Goodyear tires and powered by a Ford 460 Cubic Inch V8 engine. The rides are often on the same track that is used for competition, giving a thrill to the lucky fans and a new perspective of what it's like inside the truck instead of being stuck in the crowd.Mac and Liz Plecker are the owners of the truck and campaign it around the USA. The new sponsorship from HPI Racing brings bright Savage graphics to the truck, the custom paint job is an exact replica of the Savage 25 R/C monster truck. To help add excitement, HPI will provide several Savage 25 trucks that will be raffled at events throughout the year. The first winner has already been announced from a contest at www.truckworld.com and more giveaways will be coming soon. For people interested in finding out more about R/C racing, HPI catalogues and literature are always available at the events. The promotional tie-ins are strong, monster truck events have become incredibly popular, events are frequently sold out and crowds of 10,000 to 20,000 are common. On a busy weekend hundreds of people get the chance to ride in the Extreme Team Savage Ride Truck. And, many of the spectators are already into R/C racing, so it's common for many fans to instantly recognize the HPI Savage sponsorship. Promoting the R/C industry at this kind of event attracts attention that all R/C manufacturers and hobby shops can benefit from. HPI Racing had the Extreme Team Savage Ride Truck on display for the recent RCX Hobby Show in Anaheim, California. Thousands of fans took photos of the truck, climbed on it, and a few lucky people even got rides. While in California, Mac and Liz stopped by the HPI factory and gave rides to the entire HPI staff, rumbling up the driveway of our neighbours at Oakley. HPI will follow the Savage Ride Truck as it tours in 2004, check www.hpiracing.com frequently to see the latest photos and videos. www.extremeteamride.com and Monster truck news