text:
The website https://www.fanarivillas.gr/ (from now on called «website»), functions under the management of the company GARMPINOI MYLOI OIA P.C.C. (from now on called «company»), who is the Personal Data Processor of all the information provided during your visit on the referred website and the usage of our online services, meaning all the information which identifies you as persons or which can identify you directly or indirectly.
The company manages the protection of your personal data with strong credibility and has taken all the needed precautions in order to secure the safety and maintenance of confidentiality of the data concerning the guests/users of its website.
You are kindly asked to proceed in reading thoroughly the following «Privacy & Protection of Personal Data Policy» of our Website, in order to be informed on what information is being collected when you use or visit our online services, on the information published on it, how it is being processed and what your rights are.
The present report exists for your own update regarding the function of privacy policies based on the articles 13-14 of the General Law for the Personal Data of EU 679/2016. In the case you have any questions regarding the present report and in general about the way the company collects and processes your personal data, please feel free to contact us on the email address: email@example.com
The present Website mainly functions for offering information on the visitor/client, and, therefore, the simple web browsing does not demand the provision / import of any personal data of the user. However, in the case of simply visiting and browsing on the website, some information might be automatically collected, that could identify and concern you, directly or indirectly, such as:
The visitor/user of the website, given that he wishes so, may proceed in choosing to create a reservation at the Fanari Villas resort.
The visitor/user, after choosing the selected type room, the preferred dates of arrival and departure, the number of persons that will be accommodated, in order to complete the booking would need to submit all the following pieces of information: name, surname, email address, credit card number, full name of credit card holder, expiration date, CVV/CVC code, and telephone number (optional).
The visitor/user of the website is also able to state any kind of preferences regarding his reservation in the relevant form, after he has chosen to have the extra service of transportation to/from the hotel (optional). The information needed is the following: details about the number of the flight or the name of the boat, the expected arrival time, the scheduled time of departure of flight/boat, the date of birth and the passport/ID number obligatory.
Finally, the visitor/user of the website could optionally give the following information: country of origin, postal address, city/region, state, postal code, company/enterprise name, purpose of travelling and any other comments/special inquiries under the form of a free text.
After having completed the booking procedure by clicking on the field «accept and book», the user is asked to accept the terms and conditions of the website, implying that he agrees with them and with the present policy, sections of which he can read by clicking on the relevant hyperlink in order to get redirected on the specific part of policy.
In the case that any user of the website would like to cancel or modify a finalized reservation, he needs to click on the Modification/cancel booking option, and to fill in the reservation number that he has already received upon the completion of the initial booking, as well as his email address, in order to manage the reservation accordingly.Restaurant and Bar – online booking service «Make a booking»
For the users that wish to make a reservation in the Fanari Restaurant/Bar, there is a relevant online service powered by the platform of Opentable, with which the Restaurant co-operates. The user gets redirected in the mentioned- above platform by clicking on the option Find a table. Through this platform, the user can proceed further in booking a table after he has stated the number of persons of the reservation.
Moreover, by using this platform, the user has the opportunity to create an account for the service, after providing his email address and one personal password. For those that do not wish so, there are the options proceeding with the reservation through booking.com or a facebook account, given that the user has already a relevant account.
Given that you have used the website as indicated, we use the data that you provide us with in order to communicate with you, based each time on the content of the message/ inquiry you have stated or concerning the information you have enlisted in the relevant reservation forms.For Statistics
In order for us to get more insight on how our website is being used by the visitors/ users, we keep a file and we analyze all the data that has been collected. We may use this information, for instance, in order to keep a track on the usage of the website, to boosts its functionality and to edit the content and the layout of it, based on the users' needs.
By using the present website and given all the precautions indicated by the law regarding the privacy policy in the field of online communication, you submit your explicit consent for the mentioned above forms of your personal data being processed.
Your consent can be recalled at any time, without its legitimacy for data processing up to that point being offended. In the case you wish to recall your consent, you are kindly asked to submit the relevant request to the Company on this email address: firstname.lastname@example.com
Concerning the data that gets collected automatically by your browsing on the website, you are kindly requested to abstain from it in the case that you do not wish your data to be collected and processed.
Throughout the filing of your personal data, we make sure to distinguish those referred to minors. In any case that it comes to our notice that we have collected information provided by a minor aged under of fifteen years old, without any verifiable parental consent, based on the article 8 of the General Data Protection Regulation of the EU 679/2016 and the article 21 of the Law 4324/2019, we will delete the information from our data basis the sooner possible. If you believe we have collected information from a minor aged under 15 years old, please contact the company in the following address: email@example.com firstname.lastname@example.com
The company respects your rights to protect your privacy and information that concerns you and for that reason it uses them only for the mentioned above purposes. For the reason, it does not make public, exchange or make accessible to third parties your personal data, except for the cases that this needed as stated previously. Moreover, the website does not provide the information to anyone out of the European Union.
However, there is the possibility that we make your data accessible to other companies, applications or persons in the cases stated below:
The Company will maintain the data collected from the website only for the necessary time period for the completion of the above expressed processing purposes and its lawful obligations. Whether you wish to recall your consent for the process of our personal data, we will proceed in deleting them from the electronic and any physical files we keep, unless their maintenance is necessary as pointed by the law in cases of defend of our rights or our legal interests in court.
The security of your personal data is absolute commitment for us. In order to achieve this, we apply all the modern and appropriate for editing purposes technical and organizational means, whose response and adequacy we check frequently.
The Website offers the ability to browse in websites of third parties through relevant links. Those links serve the purpose of the easier use of the Website from the users, while the websites to which the users get redirect follow the privacy policies and regulations of the relevant companies. The use of the links does not indicate the consent of content of the respective websites by the administrator of the Website, who is not responsible for their content, neither for their practices of privacy or the accuracy of details they include. The Company has no control over the websites that belong to third parties or their content, the use of which happens through this website or is provided to it, and, therefore, the Company does not stand for, fund, counsels or takes any responsibility for those websites or their content. If the user decides to visit, through our Website, any of those third parties' websites, he accepts that he proceeds in it at his own risks.
For the exercise of your rights, you may send a relevant request to the Company to this email address: firstname.lastname@example.com
The Company will make every possible effort to respond to your request within thirty (30) days after receipt. However, in the case of that the complexity of your request or because of the amount of information, the fulfilment of your inquiry is not achievable within those days, the Company bounds to inform you within this time period about the reasons of delay and to make utmost efforts to finalize the case as soon as possible and, in any case, in less than two additional months period.
The company preserves the right not to fulfil your request, in the case that it is defined as obviously unfounded or excessive, informing you about the reasons for the non-completion.
In any case, you maintain the right to file a complaint with the Personal Data Protection Authority. (www.dpa.gr).
The initial purpose of this policy is to give general directions for the matters of usage of cookies by the website of the company GARMPINOI MYLOI OIA PCC.What Cookies are and Why they are Used
Cookies are small pieces of data, usually in the form of text files, that get saved from the browser on the computer, laptop, cell phone and in general in the electronic device through which someone browses in the Website of Fanari Villas. Their purpose is to remember important information about the activity on the Internet, such as the name of the website from where he came, the websites that the user visited prior and the devices that have been used. Moreover, they allow the websites to save the preferences of the users (e.g. the connection details –login- , the language, the font size, the icons of user's preference, and so on). In that way, the browsing experience can be improved the next time the user visits the website. In addition, cookies help in the control of the performance and the traffic of the Website, making better its presentation and content, based on the users' preferences.
Many website analyses take place through the use of third-party cookies, which allow the access to the user browsing behavior in every website. However, they do not keep any personal information that could identify the person. Our Website uses third-party cookies under the absolute purpose of analysis of its traffic and the empowerment of its performance.
Cookies are unique to each web browser (e.g. Google Chrome, Mozilla Firefox, Apple Safari, etc) and contain anonymous information.
The duration of cookies life depends a lot on the browser that is used, the settings and the whether the browsing is on normal or incognito mode. Human behavior on the internet follows no specific patterns, since people use different devices, the settings of the browser allow them even not to accept cookies at all, and they could also delete them at the end of our internet browsing.
The law indicates that cookies can be save in the user's device in the case that this is absolutely necessary for the function of the website. For any other cookies types, we clearly need the user's acceptance of the cookies, which is totally required. The user-visitor-subscriber could change or recall his consent anytime, through our Website's Statement for Cookies.
In paragraph of the article 4 l.3471/2006, as that was edited from the l.4070/2012, it is stated that the installation of cookies is allowed only when the subscriber –user has given his consent after thorough and clear briefing based on par.1 of the article 11 of the l.2472/1997, as it is applied. This system is also known as "opt-in" , in contrast to the "opt-out" system, that was valid until the editing of the Instruction 2002/58/EK and it would allow the installation of cookies without the user's consent, given that he had been informed and had not opposed to the installation.Cookies types
The main cookies types that our Website uses are described below:
|Cookie Type
|Necessary Cookies
|The role of those cookies is to save information or to obtain access to already saved pieces of information on your device, for the clear purpose of your smooth browsing in our Website. We do not use those cookies in order to select information about you for marketing reasons or in order to follow your activity on other websites on the internet. Based on the relevant law framework, you do not have the ability to choose whether you accept or not the installation of those cookies, since without them, the different services of our Website would not be technically possible.
|Cookies for Analysis & Performance (third-party)
|We use third-party cookies (www.google-analytics.com, www.stats.g.doubleclick.net) for the only purpose of analysis of our Website's traffic and the improvement of its functionability, while we also take appropriate technical and organizational measures to secure the safe edit of your data (anonymity of IP address). Those cookies collect information regarding the way you use the Website, for example, websites that you visit most often, the website from where you ended up on ours, the browser you use, etc. these cookies select anonymous statistical information that could not identify an individual from our side.
In the case of not wishing to allow cookies, some parts of our Website may not operate properly. For managing and deactivating cookies, certain instruction per browser are provided:
|Google Chrome
|Mozilla Firefox
|Apple Safari
|Internet Explorer
|Microsoft Edge
Further information about cookies are available on the following link: http://www.aboutcookies.orgWhom I could contact for questions/inquiries:
For any question, clarification or request regarding the safety of your personal data, you may contact the Company on the following email address: email@example.com email@example.com on the Present Policy
The Company preserves the right of editing the Present Policy, always based on the applicable law measures on privacy and data protection. The users of the Website must read on frequent occasions the present PRIVACY AND PROTECTION OF PERSONAL DATA POLICY in order to be informed about any changes that takes place, whilst the Company bounds to proceed in required updates of users and visitors in any suitable means, in compliance with the conditions set by the General Data Protection Regulation of the EU 679/2016 and the national law framework.
Hotel & Restaurant family


text:
Midday Report for Wednesday 17 August 2011
Midday News for 17 August 2011
12:00 PM.A court appearance in a 'cold case' murder and the Anglican Archbishop of York pays his repects to the late Sir Paul Reeves. Audio
Midday Business News for 17 August 2011
12:17 PM.Fletcher Building's boosts its annual profit despite tough trading conditions. The French and German leaders demand euro governance and the sharemarket rises. Audio
Midday Sports News for 17 August 2011
12:26 PM.The Springbok coach Peter de Villiers is predicting kicking will win this year's World Cup so he's keen to give super-boot Morne Steyn an opportunity against the All Blacks in Port Elizabeth this… Read more Audio
Midday Rural News for 17 August 2011
12:35 PM.News from the rural and farming sectors. Audio

subset: commoncrawl


text:
- Home
- >
- Bearing
- >
- NTN Bearing
- >
- NTN 6021LLU Bearing
NTN 6021LLU Bearing
FREE SHIPPING on NTN 6021LLU Bearing
Offer price breaks when you order a larger quantify.
Leading time would be depends on our work efficiency and delivery schedule, usually within 2 business days.
Shipping: Ships in 2 business day
♕☴NTN 6021LLU bearings | 105x160x26mm - Nodes beari☴♕
♕☴ NTN 6021LLU bearing, Deep groove ball bearings, Dimensions:105mm x 160mm x 26mm, Dynamic Load Rating: 72.50kN, Static Load Rating: 65.50kN☴♕
♕☴Bearing 7219CDB (NSK) | Factory and Price List | Vanuatu .☴♕
♕☴ NTN 7219CDB bearings founded in Japan.The largest merits of our NTN 7219CDB bearing is best quality,competitive price and fast shipping NSK Bearings. Get details or a quote. ... 7219CDB NSK 6920LLU NTN CM6UUM Koyo 6021LLU NTN 7319ADB NSK. Get details or a quote. NSK Needle Roller Bearings NA6907 Bearings,Pdf downl.☴♕
♕☴NTN 6021LLB bearing - Andia - Professional bearing suppli☴♕
♕☴ "NTN 6021LLB bearing Description "NTN 6021LLB bearing Description Combined with the NTN 6021LLB bearing , NTN 6021LLB bearing has the most complete product outline in rolling bearing industry .NTN 6021LLB bearing provide customers with a series of comprehensive and perfect service and technical support. The main application areas of NTN 6021LLB bearing: aerospace engineering, metal cutting ...☴♕
♕☴6021N NSK Deep Groove Ball Bearing 105mm*160mm*26mm .☴♕
♕☴ 6021 bearing | eBay. NSK 6021 Single Row Deep Groove Ball Bearing See more like this. NEW NACHI RADIAL BALL BEARING 6021 ITEM RG#169. New (Other) $45.00. or Best Offer GULF 6021N SINGLE ROW DEEP GROOVE BALL BEARING See more like this. 6021LLU 05x160x26 Sealed Large Ball Bearing.☴♕
♕☴6021 Ntn Bearing, 6021 Ntn Bearing Suppliers and .☴♕
♕☴ Alibaba.com offers 133 6021 ntn bearing products. About 37% of these are deep groove ball bearing, 1% are taper roller bearing. A wide variety of 6021 ntn bearing options are available to you, such as ball, roller.☴♕
♕☴6021LL,NTN 6021LL; Ball beari☴♕
♕☴ NTN 6021LL Ball bearing, You Can Buy High Quality NTN 6021LL Ball bearing from yoyoparts.com☴♕
♕☴NTN 6021LLU bearing Japan 6021LLUdimensions pri☴♕
♕☴ NTN 6021LLU bearing Japan 6021LLUdimensions price . Room 2702-2705,Gaoxiang building.Lane 197,Chenglin Road,Shanghai China Fax:+0086 021 6085 3386☴♕
♕☴NTN 6021LLU bearing, bearing size: 105mm*160mm*26mm .☴♕
♕☴ NTN 6021LLU Bearing is one of our main products. We have the most detailed information about NTN 6021LLU Bearing, bearing sale, bearing size, bearing price and bearing dimensions. NTN 6021LLU Bearing is mainly sold to South Africa, Philippines, America, Malaysia, India, England, Canada, Australia. If you want to know their price, size and other information ,can contact us.☴♕
♕☴NTN NK26/16R + NK21/16R+IR17*21*16 Bearing | request&Kaja☴♕
♕☴ NTN 6021LLU bearings - Wu Xi FAJ bearing . NTN 6021LLU bearings founded in Japan.The largest merits of our NTN 6021LLU bearing is best quality,competitive price and fast shipping NTN NK26/16R; NTN NU1034; Contact us. NK21/16R NTN bearings - Hong Kong Eric .☴♕
♕☴6021LLU/5K Radial ball bearings : NTN-SNR, Industry .☴♕
♕☴6021LLU/5K Radial ball bearings on NTN-SNR catalog, Industry Solutions manufacturer for Single row deep groove ball bearings market☴♕


text:
May 1, 2020: Rishikesh Kirtan Fest
Here's a super video. Another nice memory of the Rishikesh Kirtan Fest. How I miss those special days on the banks of the sacred Ganges!
Video on Rishikesh Kirtan Fest
May 2, 2020: Gentle Rain of Mercy
In this priceless video, I discovered myself offering a garland to Srila Prabhupada. How happy I am! I can now cherish this moment forever.
"The quality of mercy is not strained. It droppeth as the gentle rain from heaven upon the place beneath. It is twice blessed: It blesseth him that gives and him that takes." [ William Shakespeare ]
May 3,2020: Letter to H.G. Jayadev Prabhu
Dearest Jayadev! I too, amongst your many friends, admirers and fans want to wish you a very happy birthday today. Your beautiful angelic voice, along with your talents as a devotee musician, have been an integral part of my devotional career for many years. We seem to hear you everywhere with your recorded bhajans and kirtans and your famous Krsna conscious choirs. Thank you for helping us to always remember Krsna and never forget Him. The Lord blessed you with your exceptional talents and you have used them fully in His service! You are without a doubt ISKCON's singing angel! I also want to thank you for your friendship and support throughout the years. In challenging times you have stood up for me in more ways than one.I only wish we could have spent more time together in this lifetime. As we have served in different capacities in different parts of the world in this life, I pray one day we will serve together in perfect harmony and brotherhood in the spiritual world, where every word is a song, every step is a dance and there's a festival every day. I look forward to that. Please you sing and I'll dance in that magical abode! Missing you my friend … more than ever on this special day. Please always keep me in your prayers – as you are in mine. With love and affection, Indradyumna Swami
May 11, 2020: Dancing With Prabhupada
All Of Us Dancing With Srila Prabhupada! – Paris, 1974
"In a variety of ways, the inauspiciousness of the earth is destroyed by the feet, the inauspiciousness of the directions is destroyed by the eye-glances and the inauspiciousness of the heavens is destroyed by the arms of a Visnu bhakta dancing out of joy." [ Hari-bhakti-vilasa 8.288 ]
[ I'm on the right – Halfway to heaven ]
May 20, 2020: Reflections On My 71st Birthday
Reflections On My 71st Birthday
In 1979 as a new sannyasi I visited the deity of Udupi Krsna in the town of Udupi in South India. In January, 2007 I returned to read an offering I had written to the deity. I addressed Him as, 'my friend.' In the Narada-bhakti-sutra, Srila Prabhupada says a devotee should "become the Lord's friend." He lists it as one of the 64 items of devotional service. I am sharing that same offering with you today, as it very much reflects my feelings on this, my 71st birthday.
"My dear friend, millions of pilgrims come before You each year, so I don't expect you to remember me. I was a young devotee when I first met You. I was a new sannyasi with an entire life of devotional service ahead of me. Now I'm in the autumn of my life, with just a few short years left to serve You in this world. I stand before You today somewhat embarrassed. I don't feel I've made much progress in spiritual life since we first met. But I'm proud to say I'm still Your devotee, and I hope to be so until the end of time.
I'm very grateful that You have protected me in my duties throughout the years, and I thank You again and again for blessing me with many wonderful opportunities of service to the mission of Lord Caitanya Mahaprabhu. I would consider myself most fortunate if You would continue engaging me in such service until my final breath. I don't want to take much of Your time, my Lord. There are other pilgrims waiting. But such moments as these, when a devotee can reveal his heart to You in such auspicious circumstances, are few and far between. Through eons of time, I had forgotten You, but You have never forgotten me, not even for a moment. Your greatest act of kindness was to lead me to my spiritual master, my savior, who is kindly teaching me the art of loving You. Please help me to act in such a way that he may always be proud of me.
Finally, my Lord, I pray that my service to You will gradually purify me of all selfish desires. It is my great hope that one day I can return to Your abode in the spiritual world and serve You in ecstatic love, in the association of Your most beloved servants. I offer You my most humble prostrations at Your lotus feet. All glories to Your beloved Madhavacarya! All glories to my beloved spiritual master, Srila Prabhupada! By his grace alone could I find You again in this far distant place."


text:
Tuesday 3 December 1940
|Italian M.13/40 tank of the Centauro Division during the Italian/Greek war. The Greeks standing nearby probably contrived to get it in that position.
Along the coast, the Greeks advance 15 miles (25 km) and take Saranda (Italian Santiquaranta). Saranda is a reasonably important supply port and puts more pressure on the Italians to hold the other, absolutely vital ports further north. The loss of Saranda is a particularly jarring one to Mussolini because the port has acquired the honorific "Porto Edda" in honor of his eldest daughter.
Greek II Corps advances on Përmetin in Gjirokastër County, southern Albania. A fierce battle erupts for control of that town (which changes hands regularly throughout the first half of the 20th Century between the Greeks, Turks, Albanians, and Italians). The Greeks are taking more casualties in these battles than they have in previous actions, but the Italians continue to give ground. The Greeks also are taking a lot of prisoners, hundreds at a time as the Italians are bereft of supplies and the means to escape in isolated mountain towns.
The battle of Argyrokastro continues, with the Greeks dominating the heights above the town. The Greeks also advance past Pogradets and capture some high ground there.
Mussolini is still in a panic about the Italian reversals in Albania. However, Fascist Party secretary Roberto Farinacci is a hardliner and helps to steady his nerve. A change in military leadership is looking increasingly necessary to Mussolini because the troops do not display the will to win.
The Italians, meanwhile, have caught on to the British presence at Suda Bay, Crete. The Regia Aeronautica launches a raid at 15:40 that hits light cruiser HMS Glasgow with two torpedoes. The torpedoes both hit on the starboard side and rip two huge holes, causing structural damage, flooding, and putting two propeller shafts and the X turret out of action. There are three deaths and three serious injuries. The Glasgow can return under its own power to Alexandria for repairs.
Convoy AS 6 departs from Piraeus for Port Said with several Greek freighters.
European Air Operations: The Luftwaffe bombs Birmingham again, sending over 50 bombers to attack it. They drop over 55 tons of high explosives and 448 incendiaries. Birmingham, loaded with factories was devastated by successive raids in early November, and this adds to the city's misery. London also receives some incendiaries, along with scattered other locations in the Home Counties.
Poor weather restricts flight operations by RAF Bomber Command. They make some small attacks on Ludwigshafen, Mannheim, Essen, and Dunkirk.
|Italian troops posing with their tank, Libya, December 1940.
The attacks on Convoy HX 90 conclude during the early morning hours today, but we talk about that attack on the entry for 2 December. After today's final sinkings, including freighter W. Hendrik by Luftwaffe Fw 200 Condors, there are 30 of the convoy's original 41 ships remaining, which sail on to port. The sinking of the W. Hendrik is tragic because the captain mistakenly believes that the ship has been torpedoed due to near misses, making it easy prey for an actual torpedo. Some of the sources make light of this convoy battle, emphasizing that 30 ships did survive, but 25% of losses (to no loss for the enemy) are unsustainable in the long run no matter what repetitive task you are doing.
Two Royal Navy cruisers and four destroyers embark on a standard sweep of the southwest Norwegian coast in Operation DN. They do not spot anything.
Royal Navy destroyer HMS Campbeltown (one of the US Navy destroyers received in the destroyers-for-bases deal) collides with 8132-ton British tanker Conus. The Campbeltown is badly damaged and will require almost four months for repair.
Royal Navy destroyer HMS Castleton also is damaged in a collision during a patrol in the Western Approaches. She is taken to Portsmouth for repairs.
The Luftwaffe is active against shipping. It damaged 222-ton British trawler Slebech, 275-ton trawler William Downes, and 4745-ton British freighter Quebec City, all in the Western Approaches.
British 292-ton freighter Robrix hits a mine and is damaged about 3 km off Spurn Light House, East Riding of Yorkshire,
German raider Kormoran departs from its homeport of Gotenhafen (Gdynia) for a mission in the Atlantic, Indian Ocean, and Pacific. The has 320 mines for use near Australia.
German destroyers Greif, Kondor, Falke, and Seeadler lay minefield Marieanne off Dover (Hellfire Corner).
Convoy FN 349 departs from Southend, Convoy FN 349 and FN 351 depart from Methil, Convoy HX 93 departs from Halifax.
U-76 (Oberleutnant zur See Friedrich von Hippel) is commissioned.
Royal Navy minesweeping trawler Ophelia is commissioned.
US Navy light cruiser USS Montpelier is laid down.
Wavell, meanwhile, meets with Lieutenant General William Platt, General Officer Commanding Sudan Defence Force, and Lieutenant General Alan Cunningham, (brother of the naval C-in-C) General Officer Commanding 51st Division, from Kenya. Entirely apart from Operation Compass, they decide to allocate an infantry division - and maybe more forces to recapture Kassala in East Africa (as if to emphasize the point, the RAF attacks Kassala today). Everything depends upon the outcome of Operation Compass - if the offensive there succeeds, then the British can "roll-up" the remaining Italian positions to the south. Thus, Operation Compass is of great import to the entire course of the war south of the Mediterranean.
A report of the British First Sea Lord Sir Dudley Pound to the War Cabinet states that the Royal Navy is gaining control of the Mediterranean. The recent engagement at Cape Spartivento, Admiral of the Fleet Pound concludes, was merely a "chance encounter" in which an Italian claim that the "British units... had run away" was "unfounded." Malta is now "reasonably secure" given the success of Operation Collar in delivering reinforcements to the island. Admiral James Somerville, meanwhile, is currently facing an official Court of Inquiry at Gibraltar due to the "chance encounter."
Royal Navy destroyer HMS Havock collides with battleship HMS Valiant in Alexandria Harbour. It requires two months of repairs at Malta.
The Italians have four destroyers and a submarine operating in the Red Sea looking for convoys.
Anglo/US Relations: The UK announces that it has placed orders for 60 merchantmen in US shipyards.
German/Bulgarian Relations: Hitler meets with the Bulgarian ambassador. He needs Bulgaria as a launching pad for the invasion of Greece.
US Government: President Roosevelt and crony Harry Hopkins arrive in Miami and embark on the heavy cruiser HMS Tuscaloosa. They are going to inspect some of the bases acquired from the British in the September destroyers-for-bases agreement. The Greenslade Board already has inspected them, but Roosevelt wants to see them for himself. At some point during this trip, Roosevelt and Hopkins come up with the "Lend-Lease" idea.
|Luftwaffe Major General Wolff von Stutterheim.
Generalmajor Wolff von Stutterheim, former commander of KG 77, passes in a Berlin hospital. Von Stutterheim is a Pour le Mérite holder from the First World War (and Ritterkreuz recipient) who lost 11 relatives in that earlier conflict. He has been in a Berlin hospital suffering from wounds incurred during the very early stages of the Battle of Britain in June 1940. Stutterheim is buried in a place of honor next to Ernst Udet and Werner Mölders in the Invalidenfriedhof Berlin.
US Military: Heavy cruiser USS Louisville departs from Rio Grande du Sol, Brazil as part of its "Show the Flag" mission in Latin America. Its next stop is Rio de Janeiro.
American Homefront: "The Son of Monte Cristo" starring Louis Hayward and Joan Bennett has its premiere at the Capitol Theatre in New York City.
|Eastern Airlines DC-3 followed by a row of DC-2s at Atlanta's Municipal Airport terminal, 1940 (Georgia State University Digital Collections).
December 1940December 1, 1940: Wiking Division Forms
December 2, 1940: Convoy HX 90 Destruction
December 3, 1940: Greeks Advancing
December 4, 1940: Italian Command Shakeup
December 5, 1940: Thor Strikes Hard
December 6, 1940: Hitler's Cousin Gassed
December 7, 1940: Storms At Sea
December 8, 1940: Freighter Idarwald Seized
December 9, 1940: Operation Compass Begins
December 10, 1940: Operation Attila Planned
December 11, 1940: Rhein Wrecked
December 12, 1940: Operation Fritz
December 13, 1940: Operation Marita Planned
December 14, 1940: Plutonium Discovered
December 15, 1940: Napoleon II Returns
December 16, 1940: Operation Abigail Rachel
December 17, 1940: Garden Hoses and War
December 18, 1940: Barbarossa Directive
December 19, 1940: Risto Ryti Takes Over
December 20, 1940: Liverpool Blitz, Captain America
December 21, 1940: Moral Aggression
December 22, 1940: Manchester Blitz
December 23, 1940: Hitler at Cap Gris Nez
December 24, 1940: Hitler at Abbeville
December 25, 1940: Hipper's Great Escape
December 26, 1940: Scheer's Happy Rendezvous
December 27, 1940: Komet Shells Nauru
December 28, 1940: Sorge Spills
December 29, 1940: Arsenal of Democracy
December 30, 1940: London Devastated
December 31 1940: Roosevelt's Decent Proposal


text:
New for Pass Holders in the 2020/2021 season, save 20% off lessons, food, rentals, and more!
It's simple. No sign up. No points tracking. No blackout days. Just savings.
Don't wait to get your pass. Epic Pass and Epic Day Passes get priority reservation access and enjoy exclusive Pass Holder savings with Epic Mountain Rewards.
Exclusive Savings for Epic Pass Holders.
Get 20% Off Ski Lessons, Food, Rentals and More!
No Sign Up. No Points Tracking. No Blackout Days.
GET 20% OFF your lesson, whatever your skill level! Maximize your time on mountain, challenge yourself, and explore new terrain with a guide.
It's easy to relax and enjoy your time at Stowe when you know your children are in good hands. We are all about safety, learning and fun. Stowe's children's programs are headquartered at Spruce Peak, where the broad and gentle runs provide a great environment for learning.
Take the first step in your unforgettable mountain experience by signing up with a pro for a group or private lesson. Whether you are just starting out or you'd like a Mountain Guide to show you all that Stowe has to offer, we've got the coach for you.
20% Off Food & Beverage
Taking a break just got so much sweeter. Pass holders can now take 20% off a quick lunch, an afternoon pick-me-up or an après experience, all with stunning views to match. Fuel up at on mountain quick serve restaurants and take time to indulge at Stowe.
Eligible at:
- Mansfield Café
- Midway Café
- Octagon Café
- The Great Room Grill at Spruce Camp
(Offer valid up to $150 per day, excludes alcohol)
20% Off Ski & Snowboard Rentals
Enjoy savings on top-of-the-line ski and snowboard rentals at the base of Spruce Peak and Mount Mansfield, or stop into one of our Demo Centers to test out the newest gear. Enjoy convenient slopeside pick-up and swaps at one of our several locations. Local experts provide the best gear and service so you can make the most of your time on the mountain as you Winter With Us.
Eligible at:
- Front Four Sports
- The Gear Zone at the Adventure Center
- Spruce Camp Rental Shop
- Front Four Demo Centers
Reserve your rentals online or over the phone by calling (800) 404-3535. Pass holders can begin booking their rentals on October 1, 2020 for the 2020-21 ski season.
Discounts on Waxes and Tuning
Pass holders can keep their gear in top shape with 50% off a tune and one free wax a year at select locations. Get the most out of your experience with gear that works for you. Visit Stay Tuned in Spruce Camp on the Spruce Peak Village level to take advantage of your savings today.
Winter With Us
Find the Epic Pass that's best for you and escape to Stowe for both the challenge and the reward.
Learn More , opens in a new window
Epic Mountain Rewards is a new pass holder loyalty program launching for the 2020-21 season.
Epic Mountain Rewards gives pass holders a discount of 20% off food and beverage, lodging, group ski and ride school lessons, equipment rentals, Epic Mountain Express transportation, guided Cat Skiing Tours in Keystone and Heli-Skiing packages in Whistler Blackcomb. Additionally, as part of Epic Mountain Rewards, pass holders can redeem one free wax and 50% off one basic tune per season at select U.S. locations.
Epic Mountain Rewards is available to anyone who purchases an Epic Pass, Epic Local Pass, Epic Day Pass, Epic Military Pass, Epic Australia Pass, and many of the Company's other regional season pass products, including: Summit Value, Keystone Plus Pass, Tahoe Local Pass, Tahoe Value Pass, Kirkwood Pass, Park City Youth Pass, Afton Alps Pass, Afton Alps College Night Pass, Mt Brighton Pass, Mt Brighton College Night Pass, Wilmot Pass, 65+ Keystone Breck Pass, Senior 70+ 10 Day Pass, Stevens Pass Select Pass, Stevens Pass Premium Pass, Crested Butte Pass, Northeast Value Pass, Northeast Midweek Value Pass, Ohio Pass, Hidden Valley Pass, Snow Creek Pass and Paoli Peaks Pass regardless of whether a guest plans to ski one day or every day of the season. The discounts go into effect on October 1st, 2020 for the 2020-21 season.
This new loyalty program is simple for the guest – no sign up, no point tracking, and no blackout days for the discounts. Pass holders can receive the 20% savings by presenting their pass at the register, logging into their account to book online, or by verifying their pass number when calling our reservation center at (800) 404-3535. In addition to the significant discount already offered by purchasing a pass product (up to 65% off as compared to lift tickets), a family of four can now save hundreds of dollars per day on food, lodging, lessons, rentals, transportation, and mountain activities. For more information about Epic Mountain Rewards, click here
The NEW Epic Mountain Rewards discounts will go into effect on October 1st, 2020 and last for the entire winter season concluding in May, each year. Summer benefits remain unchanged for pass holders. Summer benefits include free lift access (varies by pass type), as well as select lodging, food and beverage, and activity discounts. For more information, click here.
Ski School: The 20% pass holder discount on group lessons with Ski & Snowboard School can be used at the time of booking, either online, over the phone or in person. Pass holders can receive the 20% discount by logging into their account to book online, verifying their pass number when calling our reservation center, or by present their pass when booking in person. Guests must present their pass when they check in for their lesson in order to receive the 20% discount.
Food: The 20% Epic Mountain Rewards discount on food and beverage can be redeemed at quick-service, on-mountain restaurants, and the discount applies to total spend of up to $150 per day. The discount is not valid at fine dining restaurants, private clubs, and village restaurants or on alcoholic beverages. The pass holder must present their pass in order to receive the 20% discount. The discount is only valid on any food and beverage purchased directly at:
- Mansfield Café
- Midway Café
- Octagon Café
- The Great Room Grill at Spruce Camp
Rentals: Use your Epic Mountain Rewards discount at Front Four Sports, The Gear Zone, Spruce Camp Rentals and Front Four Demo Centers to save 20% on rental packages and rental delivery. The discount does not apply to damage waivers. The discount can also be used online or over the phone by calling (800) 404-3535. Pass holders can begin booking their rentals on October 1st, 2020 for the 2020/21 ski season.
1 Free Wax and 50% off Tune: Pass holders are eligible to receive one free basic wax and 50% off one basic tune per season at Stay Tuned in Spruce Camp. Additional locations have reduced discounts on wax and tune services. Pass holders must present their pass at the time of purchase.


text:
Persona Super Live P-Sound Street 2019 Times
Atlus have confirmed that the PERSONA SUPER LIVE P-SOUND STREET 2019 will air for niconico Premium members on 25 April at 19:00 JST (03:00 PT, 06:00 ET, 11:00 BST, and 12:00 CET) and half-hour later for standard niconico users and on Twitter. The livestream will show both the concert and should reveal news on the Persona 5S game which hopefully is for Nintendo Switch. The concert also airs on 24 April (at the same times) with news expected on the PlayStation 4 game Persona 5 The Royal.
Buy Nintendo eShop Cards


text:
6 Natural Products for Soft Silky Hair this Summer
Yarok Feed Your Sunshine Hair Serum: This pre-swim treatment is a blend of several vitamins and antioxidants as well as organics aloe vera and black currant seed oil that protects the hair and scalp from pool chemicals and ocean salt. Use as an after-sun soother/ replenisher, leaving it in for 10 minutes for maximum benefit. 1 ounce; $26; yarokhair.com
Yarok is monitoring the news and staying updated with the changing circumstances in regards to the COVID-19 (Coronavirus). Due to staff shortages, we are approaching a two-week to one-month delivery time. We know this is an inconvenience, and we thank you for your support and understanding.
Please stay safe,
The Yarok Family


text:
Vermont's 251 Club Inspires Exploration of Towns, Cities, Grants and a Gore
Lewis is one of those towns that's hard to find. Just ask any member of the 251 Club of Vermont. Located in Essex County in Vermont's Northeast Kingdom, Lewis has no residents, no post office, and no roads other than logging roads and hiking trails.......12 November, 2020


text:
Most of the people who decide on to study the health-related practitioner profession have currently exercised a pico nursing research topics several profession and make a decision in adulthood because of personal experiences and convictions for this career. About a third of them came from a wellness qualified, ie for. B. from the nursing or physiotherapy. Education fees must be as great as ever totally financed itself; only particularly rare, there is economic assistance by way of z. B. BAföG. Actually, it demands an excellent deal of idealism, commitment and perseverance to complete a health-related practitioner training. You will find a number of schools with diverse instruction opportunities.
particulars with the construction – https://www.capstonepaper.net/ construction, time, work.The training for health-related practitioners will be completed in accordance with individual needs and pace of understanding – like a full-time or part-time education as evening or distance studying. it isn't forbidden, but in addition expressly not suggested to obtain the vital abilities autodidactic. Considering that irrespective of what time and in what way a person has been preparing for the Pre Well being Center – all will need to meet precisely the same stringent specifications in the reviewing overall health authorities plus the health-related officers.The training information vary based on the school and person understanding progress. Quite a few schools supply fixed one- to three-year courses, every single with one or two class days per week. Who's devoted to coaching complete time or currently has know-how of basic medicine, quite often can shorten the coaching.What such training charges also varies from school to school and depends upon the duration with the education, the additional ownership qualified qualifications and on the person learning speed in the person from.
Selection of school.To decide the best college and to assess the high quality on the college, aspiring medical practitioner candidates will need to answer the following inquiries for themselves:Due to the fact when the college is currently prosperous health-related practitioner from? What is the results price on the students of this college within the healthcare practitioner checking? the curriculum appropriate school with all the basic requirements for the medical practitioner instruction match? the study differs in line with duration, intensity and expense substantially from the comparable health-related practitioner schools? The college is certified by http://colonialnorthamerican.library.harvard.edu/ one of the amazing health-related practitioners associations and cooperates with them certainly one of the good health-related practitioner associations? Does the school regular audits / high quality control?Two pillars with the healthcare practitioner coaching – Medicine and heilpraktiker standard techniques.Naturopaths practice incredibly distinctive diagnostic and therapeutic procedures in their practices. Generally, numerous procedures are combined towards the specific illness plus the constitution, diathesis and circumstance on the patients especially by distinctive therapy possibilities, trigger and extensive deal to.Regardless of these person collection of therapeutic approaches that perform is based on non-medical practitioners for the accepted medical basics of anatomy, physiology, pathophysiology and pathology. A additional requirement is usually to reliably recognize the expertise and capability essential by history and clinical or laboratory examinations diseases (also at an early stage) as well as emergencies and the latter to be able to reliably erstversorgen. Recognizing and recognizing the legal and technical limits also belong to this requirement profile. Moreover, essential in-depth understanding is about hygiene, injection approach or health-related devices. These topics are all contents on the official medical examination before the overall health department.
That is why the training of wellness practitioners on two pillars rests:Instruction in medical-recognized scientific topics based on the examination suggestions for healthcare practitioners verify, the existence of which can be mandatory for granting of a permit training in heilpraktiker common or naturopathic diagnostic and therapeutic procedures, the choice of which can be individually and that is necessary for the therapy within the later practice ,Education and education.Upon completion of education and passing the official medical examination countless healthcare practitioners undertake an assistantship in a professionally knowledgeable colleagues. Involving the existence on the official health-related examination and opened his personal practice takes on typical one to 3 years of preparation for this step to independence and professionalism.
Also for highly skilled healthcare practitioners are sophisticated training courses around the program. To expand so total health-related practitioner frequently additional coaching in complementary procedures to their competence. This is completed by some pretty lengthy training (eg. As in TCM, osteopathy, homeopathy, herbal medicine) or by shorter seminars and lectures. These are carried out by skilled associations, many institutions or from pharmaceutical suppliers and device companies.There is an incredibly wide range of particular Heilpraktiker- and naturopathy-renowned literature Medizinverlage in addition to medical practitioner journals. Nationwide coverage is really a wealthy array of conferences and training opportunities, organized by the medical practitioner associations.Naturopaths get through this routinely updating and expanding their understanding and abilities towards the compulsory education requirement below and qualify this way, for example by means of the combined cross-training certificate for healthcare practitioners (ed. BDH).
上一个:evidence of frequent descent.
下一个:Using Buy Essay


text:
They treat them like a person, rather than a body and place a profile in hopes that somebody will actually read it. But make certain you obtain a picture from them until you meet. That is honest, since there are also quite unattractive people who don't include 20, and they'll understand.
Am very nurturing traveled. By being very attractive, she is only put. She'd have said that she was very, quite attractive. She has run you can figure, therefore the inherent honesty which all men are known by us have won't be apparent to her. Expect lectures from her, yelling whichyou're a liar. These will begin after about thirteen weeks, you are able to figure, and then go on and on as re- runs. Your benefit is that you are able to earn a getaway when needed, for a brief outing, and financially protected.
" Bottom line is, it's not exactly what she's Fosston SK is backpage escorts real for, what really matters is what are you searching for? " Was what I had concluded by the end of the conversation. If you think of it, just how much info is out there which steers us to help Fosston SK backpage escorts snapchat and shape us into some thing to help please somebody else or be exactly what they desire? ? When who we are is sufficient Frequently we get duped into trying to become a thing in order to acquire something. The only thing that needs changing is what happens over our shoulders. To see ourselves worthy of letting that want of our wants and having what we want, help guide and assist us.
Where was Kasey Chambers when I wanted her? Where was that song? I moved home and smashed up my Take That CD. " Screw you guys, " I shouted as I hit it with a hammer. " You only write love songs! I'll make you Dead for Great. " I had been a leftover. My entire life was ruined.
He sat down on the edge of his bed and I climbed on top of him, straddling his thick, muscular legs and scratching at his back as he leaned me nibbled at my throat and tugged at my hair.
As much as I want to shake my bum I think there is something about it that we should consider to our dates. Now while I'm not going to even try to research Lady Gaga's entire idea of" bluffin with my muffin" , I will expand on how that Poker Face only may be convenient for all those first couple of dates.
Listener: I find, how do you really feel about that? Me: Rottenit makes me wonder if I am not really worth any better! Anyway, coming Fosston Saskatchewan to the exercise, I don't believe this guy is gonna stick around. He's currently going to wake up one day, and dump me unceremoniously he met in the actual world. I'll be bitter, old and tired to recover from that hit.
On occasion a guy shows back up on your life when it doesn't work out with another woman. So he doesn't have enough time to disappear with someone else, if he does and you are still interested, meet him.
Thus, your guy can lean over and whisper in your ear that he" luhs" you, so you will inevitably conclude thatyou're ready for The large Deed. And the next morning when you state, " Have a good day on the job. I adore you, " he can proceed, " Whooooaaa. I didn't understand that is what you thought I said. . . I am sorry but this connection is getting too extreme for me. I believe we should break up. " That did not happen to me, but I bleed for the next generation.
Out your redtube prostitutes Bondiss areas in which you can misrepresent your self are more subtle but equally important, of. People would lie about how much they drink or being a smoker. Your date will uncover statements that are false.
Every introductory message you send on a dating website forgotten and ought to be dismissed. Do not massage backpage escorts Plattsville to read the lt hookers Fosston leaves over it's taken them to contact you personally or not; not everybody is on your own schedule. They'll be curious enough to react, or else they won't. Getting trapped on whether that person or this person has reacted or not does nothing but cause you grief for no good reason. Why receipts are a terrible idea, this is; understanding that your message is read by somebody and has not responded is likely to cause you to wonder what you might have done wrong. Message them and move on to another individual. Should you listen from them, great. If not, no biggietime to message somebody else. And just FYI: when they were twitter my fuck buddy Fosston Saskatchewan to respond to you personally but had not however, poking them about it's a method to change their thoughts.
Stick to inside jokes, funny stories and discussing back to previous conversations for the first few interactions. Every woman differs, so then the point is yours but proceed with caution in case you are feeling the woman is comfortable with jokes.
Anyways, I thought this may be a cool spot to pick up chicks since they kicked off me Myspace last week( don't ask) but there does not seem to be any room to add my fav music videos( Hall and Oates. . . ) or upload sufficient mirror selfies to really satisfy my lust for empowerment.
Man wants woman to help him backpage escorts meth Gainsborough SK a health club. This advertisement line is attributed to someone who does not work out, who does not eat right, and who is certifiably unhealthy and requires continual prodding to do something about improving his mental and seriously abject condition.
LOVE LESSONS After regaining and recovery through the physical separation phase of my Twin Flame journey, I am now able to inform you that a reunion with a Twin Flame is real. You will come to conquer your pain just like I did and you will find healing and happiness also.
Manipulation A woman is manipulative. . . but only in the good sense. She will never manipulate you or manipulate you into spending some time with her. She'll however do everything within her Fosston Saskatchewan reddit escorts backpage to manipulate you into becoming a better version of the.
Why are you asking questions? The main reason is because when you talk to a lady, it is almost completely about spiking her emotions. Maintain the emotions flat, and also the interaction will perish. This is because women are far more attuned to emotions than men are, and it's part of the communicating procedure for them. Every couple of minutes, toss in a question like those recorded to spike her emotions and vitality; and she'll never need to quit talking to you. You will become like a drug.
This novel is a narration of these stories as they were told by him. Of course, you will need to imagine him trying to tell me this detail and me making sense of it while I had my mouth full of his thick cock or shoving my tongue into his tight asshole however, you may have to wait some time to get all of those stories and that I may need to change some names, like my own, I personally purchase to guard the not- so- innocent participants.
That could be a waste of ten minutes for everybody concerned, and if you don't learn your lessons then you'll be free online dating tinder money and more time as you plod along, beingtotally'Clueless from CluelessVille'.
Should you disagree on any subject like politics, I then recommend that you avoid it before you both become familiar with one another. Make it a point to prevent all topics which people tend to have strong and passionate opinions about. Adhere to subjects that are wholesome and pleasant. Steer clear of everything that may begin a debate. Bear in mind, you're entitled to your own opinions and that's she.
The idea I wish to talk about is the actual content of what you send. Since they get the woman investing and 17, the content of your messages must be mostly questions. But, they should not just be any old questions. They tie in some kind of emotion, and need to be unique, interesting, thought provoking. They should all have some of them, although now every text and every transsexual online dating Fosston does not have to have every one of those qualities. The more, the better, so long as it sounds natural. Do not ship anything which does not seem natural to you. Keep your texts interesting and full of fascinating messages that are designed by you to bring her with emotional concepts that are different. All while maintaining your character and who you are at heart. This is very important.
I'm quite wife fuck buddy Macdiarmid to share this information with you and also I'm not Fosston backpage incall escorts to torture you with the very long version of my life's work and life narrative. I have read enough books that are self explanatory to know that you want me to get to the point.
Trust Don't love others; they could die on you. However, those that are available do not appear to step up when you get beyond this idea. What's happening is that you may be making yourself unavailable so you won't get hurt again. Being with other people necessitates that we share ourselves. When we hope, we expose ourselves. If we don't trust we merely exist and fail to live life.
" We find that if a connection is formed and the energetic is engaging, a third entity comes into play: the shared space between you and your spouse. " Whenever these two are putting aside intentional time to work in their relationship( e. g. , select a date or have a vacation) , they reference it as" accepting Fred to the zoo" to remind themselves that they are investing in the connection and not necessarily just in the Fosston SK airbnb casual sex involved. This kind of abstraction from ego struggles every spouse to contemplate investing for the sake of the connection rather than for yourself; you are doing it.
Penetrate your manhood; before you go to sleep, then ifyou're having sex without a condom whileyou're half- sleeping, and then leave it. Slowly make some to keep your erection.
Avoid stress prior to going out on a date, whenever you can. Trying on different outfits can be confidence- destroyer. Don't do this to yourself! Fosston private escorts backpage to have a pre- chosen outfit that is winning that you will feel good.
There are a great deal of red flags on women's tastes. It's hard to tell without a text dialog though, so little info is given by some girls. Anyways, with this in mind, I think it's a fantastic idea when I cover some for.
As for you, your loneliness and exhaustion with the scene may cloud the intuition of your generally finely- tuned woman. I mean, to tell the truth, Ronald was correct- that I wasn't the image of stability. Being out there being lonely, made me vulnerable.


text:
Has e-commerce killed the shopping mall?
Does the increase in online shopping spell doom for this brick-and-mortar institution?
Staff Writer
Rachel King is a staff writer for CBS Interactive based in San Francisco, covering business and enterprise technology for ZDNet, CNET and SmartPlanet. She has previously worked for The Business Insider, FastCompany.com, CNN's San Francis…co bureau and the U.S. Department of State. Rachel has also written for MainStreet.com, Irish America Magazine and the New York Daily News, among others. Rachel has a B.A. in Mass Communications and History from the University of California, Berkeley and a M.S. in Journalism from Columbia University, where she served as art director for the student magazine, Plated. In her spare time, she enjoys playing trumpet, learning rock climbing and archery, and listening to NPR's Pop Culture Happy Hour. Someday she also will be perfectly fluent in both French and Spanish. Someday.
Does the increase in online shopping spell doom for this brick-and-mortar institution?
January 13, 2013 by Rachel King in Great Debate
One niche device after another is falling victim to convergence. Are e-book readers next?
December 16, 2012 by Rachel King in Great Debate


text:
This Thai Stock Is Forecast to Surge 49% Within a Year
(Bloomberg) -- A 25 percent slump in the share price of Billionaire Aloke Lohia's Indorama Ventures Pcl doesn't have analysts worried. Instead, the stock is now rated the best equity buy among Thailand's largest companies.
Bangkok-based Indorama, with products ranging from Nestle SA packaging to materials for Zara clothing, is forecast to surge 49 percent within a year based on the gap between the current share price and consensus 12-month target among 19 analysts.
The company announced or completed acquisitions in Brazil, Nigeria, the U.S., Germany, Egypt and India in the past five months to diversify supply and boost margins, which have been squeezed on many chemical products because of higher feedstock costs. Shares lost about a quarter of their value since early October, when margins on ethylene in North Asia were near the narrowest in about three years, and have lagged the broader market as investors assess spreads in the chemicals industry.
"With its global footprint, the company is well-positioned to manage margins, which are resilient in the U.S. and Europe, even though they are iffy in the Asia segment because we don't know what China is doing," said Maria Lapiz, managing director at Maybank Kim Eng Securities (Thailand) Pcl in Bangkok.
"Share price recovery will be predicated by spreads," she said. If its spread stays relatively resilient, that may lead to investors revisiting its business model, she added.
Indorama shares closed Monday at 46.25 baht, down 25 percent from Oct. 3. Maybank Kim Eng's 12-month target is 79 baht.
"Indorama remains our preferred pick in chemical space, premised on seasonal heavy demand for polyester chain products, a broad polyester chain up-cycle being in progress, and a strong profit growth profile," Suppata Srisuk, an analyst at Bualuang Securities Pcl, said in a report today. "Supply tightness (particularly in Europe and North America) should continue to buffer polyester chain product spreads."
Only two other firms among Thailand's largest 50 listed companies, Energy Absolute Pcl and Banpu Pcl, score a 12-month return potential of more than 30 percent. The average upside among SET 50 Index companies is 13 percent. It's 16 percent for the Bloomberg Asia Pacific Chemicals Index, which has 93 members.
Indorama is expected to report fourth-quarter results this week.
Lohia set up his company in 1994 in Thailand, where he has permanent residency. It now operates factories globally, under a strategy of localized manufacturing to serve regional markets.
©2019 Bloomberg L.P.


text:
Preparing your trip to Turin: advices & hints - things to do and to obey
1.The fastest way to get from the airport to the downtown is a taxi; services will cost about 30 euros. It is also possible to travel by public transport, i.e. train, but in this case the trip will take much longer, about 40 minutes.
2. Tourists who are planning to use public transport have to purchase tickets in advance. You can buy them at special kiosks close to all stops of public transport. Heavy fines are charged for traveling without ticket.
3. There is an extremely mild climate in Turin; the warmest months of the year are July and August. Spring is rainy, so fans of excursions and outdoor recreation are recommended to plan a trip in other time of the year.
4. Travelers who expect to devote a lot of time to cultural activities and excursions should definitely buy a special tourist card. It is sold in tourist centers and some hotels. The card entitles you to significant discounts at various cultural events.
6. It is customary to leave a tip for good service in restaurants and cafes; 10% of the bill would be sufficient. Even if a service charge is included in the total score, it is still necessary to leave a small monetary reward for a waiter.
7. Shoppers should be aware that prices in local stores and shopping malls are quite high;however, the quality of the goods remains high. Those who expect to save money are recommended to go to one of local markets. On weekdays, most of the markets work in the morning and on weekends - in the evening.
The best example of the Renaissance architecture is the Cathedral; it is considered a religious landmark of global scale. Construction of the Cathedral was completed in 1498. Its walls house … Open
Preparing your trip to Turin: advices & hints - things to do and to obey You can re-publish this content with mandatory attribution: direct and active hyperlink to www.orangesmile.com.
What to visit being in Turin - unique sights
Savoy Residences in TurinFrom the series "16 Most Fascinating Objects of Unesco in Italy"
Check on the map: Distance from Turin center - 0.3 km.Castello del Valentino resembles a fabulous castle, that's why it is the most romantic. As the previous, the palace was built as a defence and at the end of the 19th century, it was under the threat of full destroy. The in-time reconstruction has saved this historical building and today the inner yard turned into an interesting botanic garden. The Palace of Venaria is an important part of the complex. It is surrounded by a splendid garden with old fountains and sculptures. … Read further
Live House in TurinFrom the series "Unique Living Houses"
Check on the map: Distance from Turin center - 11.8 km.The very design of the building is also quite unique. It has an asymmetrical shape, and below you will notice unusual props that resemble roots. The facade is decorated with wooden shingles, which also make the buildings look natural and quite striking. You can admire the house for ages. Some compositions feature impressive scale. The height of the largest is 8 meters. … Read further
City tours, excursions and tickets in Turin and surroundings
Photos of Turin
Services search (pharmacy, police, parking, banks) on Turin map
Travelling to Turin - advices and tips. What should be provisioned in advance, the rules you might want to follow, and the things you better avoid doing in Turin. We help you to make your trip smooth and easy, with no unexpected surprises.


text:
Millfield School May 18 & 19
NOT even the EU elections could get in the way of another excellent night for the younger swimmers in Cheltenham as CSWPC hosted another successful Primary Schools Gala. It was only when the [...]
SOME of our best swimmers from across all squads did Cheltenham proud in the South West Regional Championships 2019 which took place at Plymouth, Bristol and Millfield over the last few weeks. [...]
Hengrove Park, Bristol May 11 & 12
*** Updated Sportsystems Entry File – July 2019 > ***
Download the meet packs, including entry forms now >


text:
There is definitely a resurgence in the good ol' standup jet ski's popularity happening right now. Not only is Yamaha selling more SuperJets year-after-year-after-year (increasing from just over 500 units a year in 2013 to over 800 in 2015), but used standup sales are booming too. Just try to find a SX-R 800 on Craigslist. If you can even find one, chances are, it ain't cheap. And don't get us started on all the chatter coming out about 4-stroke standup. We're already sick of the rumors and we're responsible for half of 'em.
So it came to no surprise when we were introduced to one of the coolest standup ramps we've seen in a while. Called the "Jet Bum," the billet aluminum collapsible ramp is a very new take on an old idea: launching a standup jet ski from the back of your truck all by your lonesome. The Jet Bum makes it entirely possible with surprising very little effort. Thanks to a succession of self-braking rubberized castors, your ski can roll up or down the ramp freely with only a small push. But when no force is applied, the rollers come to a stop, locking your ski in place.
This means no runaway skis, or fear of it sliding back down or worse. It also means no winches are necessary. The Jet Bum simply unfolds from its collapsed length to a maximum 14'3″ length, tethers to your truck's tailgate and gently lowers your standup into the water. No more backing your truck up to the back bumper in water. No more strained backs heaving your two-stroke in and out of the lake. Let the Jet Bum do all the work for you.
Here's the original press release:
Jet Bum didn't invent the wheel or the ramp, but when we combined the two and added brakes, something NEW was born.
Jet Bum, LLC is pleased to announce the world debut of the most innovative loading ramp created at the 2015 IJSBA quakysense World Finals in Lake Havasu City, Arizona on October 6th-11th. It's an honor to join the great group of supporters, sponsors, and fans at our sport's premier event.
The Jet Bum loading ramp is improving the freedom you experience by allowing you to launch your personal watercraft from a truck bed safely and easily. The long length of the ramp reduces the slope angle while self-braking wheels slow the descent of the PWC. The ramp compacts in seconds to fit inside a standard pick-up truck bed. No more driving underwater and getting stuck in the mud. Your buddy will be happy to spend more time riding and less time helping you lift your PWC. Trailers and hitch-mounted haulers are great, but they won't get you very far off of the paved roads.
What riders & professionals have to say about the Jet Bum ramp:
"Thanks for saving my back, this ramp works great! Way less effort." – Brad H., WaveBlaster rider
"These units are solid. I've seen it in action." – Jason C., JetSki rider
"I'm impressed by the simplicity of it." – Tim R., Civil Engineer
"Very, very well done. I'd buy it in a second." – Dean M., Landscape Contractor
The Jet Bum ramp weighs just 61lbs. and can carry up to 500 lbs. The ramp can be used in a 14'3″ long configuration or 7'7″ long configuration. Patented and made in the USA with a suggested retail price of $1,580. Free shipping to the lower 48 states. The ramp is proving to be very popular with contractors, landscapers, and movers.


text:
Virtually every young person in the country has their eyes firmly set on the oil and gas industry with everyone dreaming of working offshore, for very obvious reasons. You get to enjoy the food and also get to go home with such a fat paycheck after two weeks of dangerous work offshore the gulf of guinea.
The fat paycheck means you can afford a certain level of luxury found only within a small class of people, that's why you just have to live-the-job-title. One way to do that is through the car you ride. You need to be cruising in a car that speaks loud for you, as an offshore worker. The pressure to perform is high and you have very little freedom to ignore the pressure, so you must somehow prove that working offshore pays, and that involves showing off a statement car.
The Allure of the Mercedes Brand is just too strong to overcome
To this end, a lot of young offshore workers spend big on big, flashy, and expensive cars, just to prove the point. As a result, some go for the Mercedes-Benz brand for obvious reasons. This article will try to explore why offshore workers love the Mercedes-Benz GLK SUV as their statement car in this race to prove a point.
Why young Offshore workers love the Mercedes-Benz GLK SUV
1. Aesthetics
If you've seen a black Mercedes-Benz GLK drive by, you will surely understand why most young offshore workers will rather spend their last kobo on it.
The GLK SUV reeks of Characters and Attitude, the perfect combination for a Boss car that leaves behind everything to imagine the moment it breezes pass with her eye-catching angles and sharp contours.
The Mercedes-Benz GLK portrays a strong character, an axiom most offshore workers are looking for when choosing their favourite cars. The car's signature visual and physical appearance, especially its crazily fierce Mercedes-Benz headlights, makes sure you can never go unnoticed, regardless of the traffic volume whenever you make an entry.
When you look inside a GLK, the interior design and decor just give you this kind of peace only a GLK SUV supplies. Aside from that, the interior is a perfect combination of tough and sweet, hard and soft, elegant and proud. All in one car. You're just the boss with this ride.
>>> Check out which Mercedes-Benz models are the most efficient in fuel economy
The interior of the GLK is a perfect mix of elegance and pride
Considering all these, our fat pocket offshore guys can't afford to look away the moment they set eyes on a fresh looking Mercedes-Benz GLK, be it the GLK 250 or the GLK 350 model.
The Mercedes-Benz GLK SUV reeks of Characters and Attitude
You're just the boss with this ride
2. The Allure of the Mercedes-Benz Brand
In Nigeria, owning a Mercedes-Benz is such a big deal, and the allure of the Mercedes-Benz brand is just too strong for these young agile guys to suppress and overlook, as everyone wants to make sure their garage is graced by at least one Mercedes-Benz ride every other time they look in there.
To top it off, the allure of the GLK SUV is such a heavy shroud that blinds out every other auto brand and leaves the Mercedes-Benz as the only option...Lol.
So the next time you see a Mercedes-Benz GLK cruise by, your guess that it's owned by one offshore worker may not be too far from accurate. But don't be too sure as a whole lot of guys, especially Yahoo Boys, crave for this Mercedes-Benz SUV brand too...Lol.
>>> Check out Mercedes-Benz dealerships in Nigeria & contacts
3. Mechanical integrity
When you hear Mercedes-Benz, what comes to mind is most likely mechanical reliability and you are absolutely on point. Mercedes-Benz prides itself as a brand that builds the most mechanically solid cars around, an assertion that is as close to the truth as the nose is close to the mouth.
The brand scores high marks when it comes to mechanical quality and reliability.
The J.D. Power Initial Quality Study for 2020 which is an industry benchmark for scoring new cars for quality by analyzing the number of problems experienced per 100 new cars shows the Mercedes-Benz ranks in the top 30 with only 202 issues reported in every 100 cars. That translates to about 2 defects, design flaws, or malfunctions reported per car covering every aspect of the car from infotainment to engine.
To add to this, the Mercedes-Benz GLK SUV has been a reliability champion with the 2013 and 2015 models of the SUV taking home the prestigious J.D. Power Quality and Reliability Awards, respectively.
More so, If you own a Mercedes-Benz ride you will likely visit the mechanic a lot less than with other car brands, with experience showing how mechanically solid Benzes are. No one loves getting stranded and embarrassed by a faulty car. Our young offshore guys will definitely not want to experience that inconvenience.
So to keep their status, these young hot blooded guys will rather spend big on the Benz GLK just to avoid all the issues that come with driving cheaper cars that will stress you like a demon.
>>> So What is the cost of clearing Mercedes-Benz cars in Nigeria
4. Impressive Performance and a Solid V6
Mercedes-Benz offered the GLK with two engine options, a V6 petrol-powered engine (delivering between 211 hp and 306hp, depending on the model), and an In-line 4 cylinder engine that delivers between 203hp and 265 hp, depending on the engine technology.
Both engine options deliver some of the best Mercedes-Benz SUV performances, with the V6 offering an instant punchiness and very obvious metallic growl when accelerating from rest. That unique growl is what these young guys don't joke with and hey the GLK can be very quiet too, just make your sound.
Check out this video of the Mercedes-Benz GLK 350 conquering tough terrains. Please forgive the language:
Video: Mercedes-Benz GLK 350 2013 Review & Test Drive with Emme Hall by RoadflyTV
>>> Check out the truth about the Mercedes-Benz GLK 350 model
5. Safety and Technology
Whenever safety and technology innovation are mentioned in the automobile industry, the German brand finds its way to the top of the pile. In fact, Mercedes-Benz has been credited with introducing over 6 vehicle safety features, including
- Surround-view system in 2012
- Night view assist in 2005
- Side curtain airbags in 1998
- Automatic child-seat recognition in 1997
- Electronic traction control in 1985
- Antilock Braking System (ABS) in 1978
- The crumple zone in 1951
Also present in the Mercedes-Benz Safety Storehouse are the Adaptive Braking Technology which is a complete suite of intelligent safety braking features, the Active Blind Spot Assist and Active Lane Keeping Assist, Mercedes-Benz Attention Assist, the Active Distance Assist DISTRONIC and Mercedes-Benz PRE-SAFE System.
All these make it a lot clearer as to why these young guys would rather spend big on the Mercedes-Benz GLK even though production of this SUV was stopped way back in. Remember, the richer you get, the more Safety becomes important to you, so our offshore guys will always go for a car that offers the highest level of safety which is especially obvious in every model from the German car brand.
So you see why our young offshore workers love the Mercedes-Benz GLK SUV. The features and specifications of these SUV models are what every penny, not that the price is really a problem for them though.
However, we will still present a detailed price review of the Mercedes-Benz GLK in a later article, make sure to always check out our Review page for the latest.
If you have a Mercedes-Benz GLK SUV you would like to sell, Naijauto.com offers you the best platform to sell your car. For more on how to sell your car on Naijauto, click on this LINK
>>> For more tips and advice from Naijauto.com's experts, click here!


text:
GoodLook - Rich Dance (Lyric Video)
WATCH NOW (Explicit)
Artist: GoodLook
WATCH NOW (Explicit)
GoodLook - Rich Dance
Artist: GoodLook
Track: Rich Dance
Producer: TightGoinCrazy
Label: Exla Music
Hometown: Cincinnati, OH
Mood: Trap
Emotion: Party
Genre: HipHop/Rap
Description: EXLA Music presents Cincinnati Ohio native, rapper and recording artist, GoodLook. His latest offering "Rich Dance"is a smash hit taking over the airwaves and social media by storm. Tune in and learn the "Rich Dance" from the rap game's Next To Blow, GoodLook.
Youtube Explicit Official Audio l Youtube Clean Official Audio l Direct DJ Download: l Soundcloud Link: l Audiomack Link:


text:
R N B Commercials Ltd
R N B Commercials Ltd are a HGV MOT Centres company based in Skelmersdale, Lancashire offering a service to its customers.
No details have been submitted about this company. If this is your company and you wish to submit this information for future customers to learn about your business, please and become a UK Haulier member.
No photos? Become a UK Haulier member
Contact us
Phone: 0169550800
R N B Commercials Ltd, 36, Greenhey Place, East Gillibrands, Skelmersdale, Lancashire, WN8 9SA, United Kingdom
Opening Times
Monday: 09:00 - 17:00
Tuesday: 09:00 - 17:00
Wednesday: 09:00 - 17:00
Thursday: 09:00 - 17:00
Friday: 09:00 - 17:00
Saturday: Closed
Sunday: Closed
Is this your business?
Important Note Whilst every effort is made to ensure the accuracy of the information appearing on this page, the data has been compiled from information supplied by various individuals and businesses and UK Haulier cannot be held responsible for any omissions or inaccurate claims that may appear and recommend that consumers ask to see relevant documentation from the company before accepting a quote. UK Haulier cannot be held responsible or liable for the level of service of any of the listed companies and services.


text:
Dr. Shashank Saksena*
The history of debt relief framework for individuals goes back to the past five millennia, but Kilborn (2012)1 explains that three distinct phases are visible. The rulers in ancient Sumer and Babylon mandated sporadic debt remissions to maintain social stability and military advantage. The Roman and later Islamic law imposed only a limited form of debt forgiveness, encouraging creditors to permit complete remission of distressed debts around the time of Christ. The time up until the late 1900s and the beginning of the twenty-first century witnessed a general criticism of compulsory debt relief when modern democracies re-emphasised mandatory debt remission to maintain social stability and maximise economic competitiveness with foreign countries, rather than maximise comparative advantage militarily.
Therefore, the new personal insolvency laws were designed to maximise the potential to promote efficiency and economic development. However, the design of a personal insolvency law and its impact on efficiency and growth are relatively less explored considering that this law is relatively new and still evolving compared to the law on corporate insolvency. The international standard setting bodies have also not provided clear and comprehensive guidance on an efficient legal framework for personal insolvency. The attempt of this paper is to evaluate the available theoretical and empirical evidence in India and other jurisdictions to provide some policy guidance on strengthening the personal insolvency framework which may be implemented in due course.
The objective of any personal debt clemency law has to be based on two important premises of grant of personal relief to economically distressed individuals and achievement of inclusive economic growth. It is argued that the personal insolvency regime is said to reduce the negative externalities of a system which may not appropriately estimate the risk of enforcing uncollectible debt and also designed to force a sharing of losses to entities which are better prepared to deal with such losses (Kilborn, 2009)2. Shukla (2016) traces the personal debt and debt relief in India to the legal structure of the colonial period.3 In India, the legal system of debt relief was intertwined with laws on agricultural credit in view of the fact that a majority of working population was employed in agricultural sector, which faced persistent famines and rural indebtedness. To ameliorate the conditions of farmers, several Acts regulating the agricultural credit and rationalisation of interest on loans such as Land Improvements Loan Act, 1883, the Agriculturists Loans Act, 1884, and the Usurious Loan Act, 1918 have been passed. Post-independence, several State Acts have also been passed to regulate the money lending and to provide debt relief. The efficacy and comprehensiveness of such State Acts in reducing the rural indebtedness has been a matter of debate. A country-wide natural experiment in introducing comprehensive debt relief and debt waiver (a kind of 'fresh start' under the Insolvency and Bankruptcy Code, 2016 (Code)) was conducted in the form of Agricultural Debt Waiver and Debt Relief Scheme, 2008, which holds significant insights into formulation of future policy on debt relief and inclusive economic growth, which theme would be examined later.
According to Feibelman (2018), while rural indebtedness could be used as a ground to argue for formulating a general law on debt clemency, there is no immediate consumer debt crisis in India – a situation which has forced many countries to formulate such laws.4Thus, it is very appropriate that the Code has provided a framework of personal insolvency in the calm period and relatively early stages of consumer credit growth where there is no over-indebtedness or consumer credit crisis impacting financial stability. However, according to Sane (2019), the individual credit has grown in recent times where individuals account for almost 38 per cent of non-food credit and the stress on personal loans is increasing. 5 Therefore, this is the most appropriate time to learn from the experiences of other countries that have implemented personal insolvency law in the recent period. This may also be conducive to formulate policies to further develop credit markets for individual loans.
According to White (2016), personal bankruptcy law is based on conflicting objectives and these decide the structure of the legal regime, whether it is 'too harsh' (high repayment conditions and /or high punishments for applying) or 'too lenient' (low repayment conditions and/or low punishments).6 While on one hand, the personal insolvency law is supposed to provide partial consumption insurance, on the other hand, it should also improve credit supply through a fair distribution of debtor assets between a debtor and a creditor. White (2016) also opines that a larger distribution of debtor assets under a harsh regime may improve credit supply, but it may reduce the consumption of debtors and disincentivise and reduce their work efforts. 7 Therefore, it may be both welfare-minimising and efficiency-retarding. Since individual debtors cannot be liquidated in modern democracies unlike in medieval times when enslavement and corporal punishment for debt default was common, they would always be reorganised and their personal and other exempt assets protected so that such personal insolvency laws could be not only welfare maximising, but also growth-enhancing. Using the data of 27 countries over the 2005-2010 period, a research study by Fu et.al (2018) found that a personal insolvency regime reducing barriers to failure in terms of World Bank measures of insolvency time, insolvency cost (percentage of estate), and recovery rate had expected impact on individual businesses. 8 Time and cost are negatively related to entrepreneurship, whereas recovery rate is positively associated with entrepreneurship. Further, the personal insolvency regime provides strong incentive to opportunity-and innovation-oriented entrepreneurship. These findings are corroborated in another study of Japan by Eberhart (2016) which suggests that a lenient insolvency regime is conducive to qualitatively better entrepreneurship.9
The empirical evidence produced by Gross et. al.(2018) on personal insolvency regime in US before and after the bankruptcy reforms in the form of the Bankruptcy Abuse Prevention and Consumer Protection Act, 2005 (BAPCPA) provides interesting insights into theoretical debates of 'generous' versus 'harsh' personal insolvency regimes on the insurance and credit supply aspects. 10 BAPCPA can be categorised as a harbinger of a relatively restrictive personal insolvency regime in US which increased the cost of filing and restricted the financial benefits. It applied the 'means test', restricting the high-income individuals to freely use the bankruptcy law and also ensured that defaulted debt may be repaid to the maximum extent which could be afforded by debtors. There were contradictory positions taken by proponents and opponents of the insolvency reform. While the supporters argued that the cost of credit would be reduced as the creditors pass on the benefits of higher recovery rates, the opponents were sceptical about the benefits and apprehended that the insurance value of bankruptcy would decline and the interest of filers affected by medical bills and job-losses would be adversely affected. The results of the one of the most comprehensive studies of personal insolvency regimes (Gross et.al., 2018) indicated that the reduced filings actually helped in passing the benefits of reduced borrowing cost to consumers, however the BAPCPA reduced the insurance value of bankruptcy, as the Act significantly reduced the share of uninsured individuals who accessed bankruptcy as implicit health insurance. 11 The other interesting finding of the study is that the 'means test' embedded in the bankruptcy reform was designed to reduce fling by high income filers, which objective was not achieved. This brings into sharp focus the optimum trade-off between the 'harsh' and 'generous' personal bankruptcy regimes which may have implications for design of social insurance schemes and regulation of credit markets.
The economic theory of over-indebtedness or financial stress of individuals provides two major channels which negatively impact investment, productivity and the macro economy. The 'poverty trap' models of Banerjee and Newman (1993),12 Banerjee (2000),13 Mookherjee and Ray (2003)14 explain the constant entrapment of individuals in low- productivity equilibrium through investment constraints caused by insufficient capital and human investments, which, in turn, are a result of low net income after repayment of debt. The models of 'debt overhang and risk shifting' of Jensen and Meckling (1976)15 and Myers (1977)16 focus on concentration of risk (as only creditors have to bear the downside risk) and overlooking of profitable investments by debtors with low net investible surplus in explaining the deleterious impact of debt on productivity and growth. Both the models recognise that debt relief would encourage investment and productivity. The opposing view is that the beneficial effect of the debt relief may have to be weighed against the moral hazard and behavioural response of the borrowers embedded in the possibility of future debt reliefs or bail-outs.
These theories have been examined in the context of a very large debt relief experiment conducted in India through the Agricultural Debt Waiver and Debt Relief Scheme, 2008, which was one of the largest debt relief programmes in the world that accounted for about 1.6 per cent. of GDP and affected 45 million farmers. Empirical studies conducted by Kanz (201217 and 201618) use this natural experiment in the history to obtain evidence on the effectiveness and efficiency aspects of debt relief. The intended objective of the Scheme was to make the collateral (land) free from debt so that the beneficiary farmers get integrated with the formal financial system. The findings indicate that debt relief had a perceptible effect on the level of household debt, but it did not lead to increase in investment and productivity as forecast by theories of debt overhang. Instead, the behavioural expectation of future credit constraints resulted in more dependence on informal financing, lower investment and a decline in productivity among the beneficiary farmers who received debt relief. The findings indicate that a one-time debt settlement may not facilitate new investment, but may have substantial real effects through their impact on borrower expectations. Therefore, it is important to create the long-term credit relationships between borrowers and lenders and supplement the policies to augment formal credit access with 'fresh start' schemes. This brings us back to the lender response behaviour under a personal insolvency regime and what type of personal insolvency regime would improve the supply of credit and cost of credit. This aspect is worth exploring because very little guidance is provided under the Code for discharge from insolvency in the fresh start or earned start.
While the Indian personal insolvency regime incorporates many useful features of personal insolvency laws of other countries in allowing both 'fresh start' and 'earned starts' based on the repaying capacity of debtors, applying the means-tested criteria (which may be flexibly determined going forward) and timeliness in resolving insolvency, there are complementary policies to improve credit access like the length of maintenance of credit default record and the role and emphasis on credit counselling as the condition of discharge, which need to be amplified and clarified. What are the costs and benefits of mandatory financial management counselling or training and making such training as a prerequisite of debt discharge? It is illustrative to learn from the long-term experience of the countries, like, Canada since 1992 and the United States since 2005, which have mandated that individual debtors were required to receive such counselling or training prior to discharge, even when it was evident, including through evaluation studies that this mandate was not appropriate to achieve the objective of avoidance of insolvency. According to Kilborn (2016), it is prudent to question the effectiveness of such counselling for an applicant who seeks relief from personal financial distress that may have been caused by unanticipated accidents of life and not by the lack of basic financial knowledge or mismanagement of finances or over-borrowing. The final question is if the substantial costs of mandating financial education are justified by its limited and possibly unreal benefits or such requirements cause deadweight loss on a nation that is difficult to justify. Indian studies on financial inclusion also indicate that the recall value of financial inclusion is very low in adult financial literacy programmes. It is appropriate that in the absence of explicit financial management counselling provisions in the Code, any such policy in subordinate legislation may be based on hard evidence, both theoretical and empirical.
While the institutional mechanism of courts, insolvency professionals and information utility has been inbuilt in the insolvency law to deal with personal insolvency, however several policy issues are still open, as mentioned above. The costs of a formal discharge from personal insolvency could be substantial in view of small transaction size of a case. In view of this, efforts may be made to create a personal insolvency regime which is balanced: neither too harsh nor very generous, cost-effective and efficient. The implementation challenges would need to be constantly weighed against the hard evidence on some of the economic policy issues mentioned above. Further, establishment of long-term credit relations between debtors and creditors may be ensured so that the moral hazard and behavioural expectations should not overshadow the beneficial effects of the personal insolvency regime
1Kilborn, Jason J. (2012). The 5000-Year Circle of Debt Clemency: From Sumer and Babylon to America and Europe. Nederlands Tijdschrift voor Burgerlijk Recht , pp. 1-7
2 Kilborn, Jason J. (2009). Twenty-Five Years of Consumer Bankruptcy in Continental Europe: Internalizing Negative Externalities and Humanizing Justice in Denmark. International Insolvency Review 18, no. 3, pp. 155-185.
3 Shukla, Aditi. (2016). The Constitutional Framework Surrounding Debt Relief in India. International Journal of Law and Legal Jurisprudence Studies, no. 1, pp.353-365.
4Feibelman, Adam (2018). Legal shock or false start? The Uncertain Future of India's New Consumer Insolvency and Bankruptcy Regime. Tulane Public Law Research Paper, no.17-16.
5 Sane, Renuka (2019). The Way Forward for Personal Insolvency in the Indian Insolvency and Bankruptcy Code. NIPFP Working Paper 251, pp. 1-31.
6White, Michelle J. (2016). Economics of Personal Bankruptcy and Insolvency. CESifo DICE Report 4/2015. CESifo Institute-Journal for Institutional Comparisons13, No. 4, pp. 3-7.
7White, Mitchelle J. (2014). Economics of Corporate and Personal Bankruptcy
8 Fu, Kun, Wennberg, Karl and Falkenhall, Björn (2018). Productive Entrepreneurship and the Effectiveness of Insolvency Legislation: a Cross- Country Study. Small Business Economics, 2018. https://link.springer.com/article/10.1007/s11187-018-0040-6.
9Eberhart, Rober N., Eesley, Charles, E., and Eisenhardt, Kathleen M (2017). Failure is an Option. Institutional Change, Entrepreneurial Risk and New Firm Growth. Organization Science 28, no. 1, pp. 93-112.
10Gross, Tal, Kluender, Raymond, Liu, Feng, Notowidigdo, Matthew, J., and Wang, Jialan (2018). The Economic Consequences of Bankruptcy Reform. https://economics.mit.edu/files/16255.
12Banerjee, Abhijit and Newman, Andrew F (1993). Occupational Choice and the Process of Development. iournal of Political Economy 101, no. 2, pp. 274-298.
13Banerjee, Abhijit (2000). The Two Poverties.Nordic purnal of Political Economy 26, no. 2, pp. 129-141.
14Mookherjee, Dilip and Ray, Debraj (2003). Persistent Inequality. Review of Economic Studies 70, no. 2, pp. 369-393.
15Jensen, Michael C. and Meckling, William H (1976). Theory of the Firm: Managerial Behavior, Agency Costs and Ownership Structure,Journal of Financial Economics 3, no. 4, pp. 305-360.
16 Myers, Stewart, C. (1977), Determinants of Corporate Borrowing. Journal of Financial Economics 5, no. 2, pp. 147-175.
17Kanz, Martin (2012). What Does Debt Relief Do for Development? Evidence from India's Bailout Program for Highly-Indebted Rural Households. World Bank Policy Research Working Paper 6258, pp. 1-62.
18 Kanz, Martin (2016). What Does Debt Relief Do for Development? Evidence from India's Bailout for Rural Households. American Economic Journal: Applied Economics 8, no. 4, pp. 66-99
19 Kilborn, Jason J. (2016). Mandatory Financial Education as Prerequisite to Personal Insolvency Relief: The North American Experience. pp. 1-17. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2837287
Source- https://ibbi.gov.in/uploads/whatsnew/2456194a119394217a926e595b537437.pdf
*(Dr. Shashank Saksena is an Adviser, Department of Economic Affairs, Ministry of Finance, Government of India and an ex-officio Member of IBBI.)


text: There's nothing better than fresh tomatoes in season & there's nothing better than this creative BLT variation. It makes a great lunch, potluck pleaser, patio party winner or picnic favorite. Recipe source is Florida Tomato Committee, altho I amended the original recipe slightly. Enjoy! .. *Edited to Add* -- This recipe was included for Greece in ZWT6 due to its use of feta cheese as a primary ingredient. :-)