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Nicolas Saverys (1958) - Chief Executive Officer
Nicolas Saverys is the CEO and Managing Director of EXMAR, a shipping company specialising in the marine transportation of LNG, LPG, anhydrous ammonia and petrochemical gases. He has been involved in the family shipowning business since graduating from the University of Ghent with a degree in economics in 1980. He has been responsible for developing EXMAR from a small subsidiary of a shipyard in the early 1980's to its current position as one of the leading independant gas shipowning companies plus becoming provider of a full value chain of infrastructure and integrated logistics to address the industry's need for environmental friendly and competitively priced energy solutions. In addition to shipping, his current business activities include ship management and real estate. For almost 20 years, Nicolas Saverys was Chairman of the Royal Belgian Shipowners Association and, during that period, he was the driving force behind the successful regeneration of the Belgian register which led to an unprecented growth in the national fleet. He is also Chairman of the Flemish Ports Association and the Benelux Committee of Bureau Veritas, in addition to serving as a Director of NileDutch and Director of FEB (Federation of Enterprises in Belgium).
Patrick De Brabandere (1959) – Chief Operating Officer
Patrick De Brabandere holds a degree in Applied Economic Sciences from UCL Louvain-la Neuve (Belgium). He started his career at the audit firm, Arthur Andersen. In 1987 he joined Almabo as Project Controller. He became Chief Financial Officer of CMB in 1998. In 2002 he was appointed director of CMB. After the split CMB/EXMAR in 2003 he became director and chief financial officer of EXMAR. Since 2008 he is Chief Operating Officer (COO) of EXMAR. Patrick De Brabandere holds directorships in various EXMAR Group companies and is a director and member of the Audit Committee of the West of England Ship Owners Mutual Insurance Association (Luxembourg).
Pierre Dincq (1964) – Managing Director Shipping
Pierre Dincq holds a degree in Marketing from St Eligius Antwerp (Belgium). He started his career in 1986 as a sales man but after 1 year he joined the EXMAR group and was employed in the chartering department. Following his traineeship he joined the financial department for some time. In 1992 he joined the chartering department again and since 2006 he is the Managing Director of the shipping activities within the group.
Pierre Dincq holds directorships in various EXMAR Group companies.
David M. Lim (1971) - Managing Director Offshore
David Lim is currently Managing Director of EXMAR Offshore nv and is based in Houston, Texas.
David started his career with EXMAR at CMB Hong Kong in 1998 where he worked on the chartering desk with responsibility for employment of EXMAR's pressurized LPG vessels.
In 2001, David relocated to Houston, Texas to support EXMAR's growing LNG and LNGRV business as Managing Director of EXMAR Shipping USA. In 2004, David was appointed Managing Director of EXMAR Offshore Company, the design and engineering group in Houston and assumed his current responsibilities of EXMAR Offshore nv in 2009.
David Lim holds a degree in Bachelor of Arts and a Juris Doctor. He was admitted to the Virginia Bar in 1997.
Miguel de Potter (1979) - Chief Financial Officer
Miguel de Potter is since 2011 the Chief Financial Officer of EXMAR based in Antwerp. Previousy he was responsible for business development at EXMAR Offshore Company, a 100% subsidiary of EXMAR, in Houston. Miguel de Potter holds directorships in various EXMAR Group companies.
He started his career in the Investment Banking division from Citigroup in London.
Miguel de Potter holds a Master in Law from the University of Louvain. He is also an alumni from the Vlerick Business School and Harvard Business School.
Jens Ismar (1957) - Director Shipping
Jens Ismar is Executive Director of EXMAR shipping and member of the EXMAR Executive Committee since September 2019. He has been an EXMAR non-executive director for 9 years prior to this. From 1984 to 2001 he held various positions in Stomoco Shipbrokers and Lorentzen & Stemoco, where he was CEO from 1997. From 2001 until 2008 Mr. Ismar worked as Commercial Director in Bergesen dy ASA, later BW Gas ASA.
From 2008 until 2019 Mr. Ismar was CEO of Western Bulk AS.
Mr. Ismar has a Business Degree from Lund University, Sweden.
He is also a board member of Ocean Yield ASA.
Marc Nuytemans (1961) - CEO EXMAR Ship Management
Marc Nuytemans obtained his master foreign going (Captain) from the Antwerp Maritime Academy. After an extensive career at sea on different types of vessels, he was Fleet Personnel Manager at EXMAR Ship Management (formerly Tecto) from 1997 to 2000. In 2000 he took up the position of managing director of the Royal Belgian Shipowners' Association leading the revival of the Belgian Register.
Marc Nuytemans is CEO of EXMAR Ship Management since 2009.
He is member of the board of directors of ECOS spa, Brabo cvba, Caritas International. He is also Executive Professor at C-MAT (Antwerp University) and member of the Royal Commission for the revision of the Belgian Maritime Law.
Capt. Marc Nuytemans is a Fellow of The Nautical Institute (London, UK) and member of the executive board.
Jonathan Raes (1985) – Managing Director LNG Infrastructure
Jonathan Raes is Managing Director LNG Infrastructure since 2018, with responsibility for Exmar's floating LNG import (FSRU) and export projects (FLNG).
He joined Exmar in 2008, and after various traineeships within the Exmar Group he started his career at Exmar's technical department, prior to joining Exmar's LNG Infrastructure division in 2012. He has extensively worked with a wide range of international energy companies for the provision of floating LNG infrastructure solutions and this under various development and commercial roles, including 3 years as business development manager and deputy managing director thereafter.
Jonathan Raes has a Master's Degree in Marine Technology from Delft University of Technology in The Netherlands. He is also an alumni of the Norwegian University of Science & Technology in Trondheim, Norway and has more than 10 years of experience in the LNG business.


text: The Finger Phonics books teach children how to recognize and form the 42 main letter sounds. Cut-out letter shapes show childrens fingers the correct formation for every letter. The delightful illustrations include the action for each sound, and objects with the sound in the word. Each of the 16 page books covers 6 sounds which together make up the main 42 sounds.

subset: commoncrawl


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Newbuild RotorTug RT Ambition Arrives in Bremerhaven, Germany
KOTUG´s new build RotorTug RT Ambition today arrived in Bremerhaven. The tug left ASL Singapore Shipyard on September 22th 2012 and sailed under own power.
RT Ambition has a length of 32 m, a width of 12 m, 6.456 BHP and a bollard pull of 84 tons. Due to her three propulsion units, which independently can be turned 360° degrees, the Rotortug has an unique maneuverability.
RT Ambition is the 11th RotorTug of a series of 14 sister vessels. They are built at Niigata Shipyards Japan and ASL Shipyard Singapore respectively and are a part of KOTUG´s comprehensive fleet expanding and renewal program.
KOTUG is a fast growing towage company and expands its innovative services to ports and terminals in Europe, West-Africa and Australia. recently KOTUG started towage activities in the new German deep sea port Wilhelmshaven, next to Hamburg and Bremerhaven the third German Port where KOTUG is active. Due to this growth and the increased size of their client's vessels, KOTUG needed this additional Rotortug. Just last week KOTUG implemented two new building tugboats (ZP Boxer and ZP Bulldog) into their fleet in the Port of Hamburg.
KOTUG´s president Ard-Jan Kooren emphasized that despite the downturn shipping industry, also affecting the towage business, KOTUG continues to invest into a modern and strong tug-fleet to keep the high quality of their services.
The Rotortug will be equipped and prepared to commence her towage activities in the port of Bremerhaven around 30th November.
KOTUG, November 16, 2012


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Attention, civic tech gurus: The city of Boston is hiring a chief digital officer. Mayor Marty Walsh announced last Wednesday that the city, which anchors America's third-largest startup hub, is launching a huge initiative for local high-tech firms. Along with the new CDO position, Boston also announced plans to open a city-funded startup incubator, streamlined assistance for local startups dealing with immigration issues, and a new program to provide undisclosed government assistance to startups.
Boston City Hall will recruit nationally for the CDO post. The new hire will helm the city's digital outreach efforts, and will be responsible for supervision of the city of Boston's website, television station, and civic social media interaction with citizens. As Walsh told assembled guests at a Boston Chamber of Commerce Breakfast, "We're looking for a dynamic leader to enhance our position as the nation's most digitally connected city." His announcement was part of a larger presentation which also included plans to convert a large amount of city-owned real estate across Boston to commercial use.
Walsh became Boston's mayor at the beginning of 2014, succeeding longtime mayor Thomas Menino. Walsh's chief of staff is Daniel Arrigg Koh, who has an unusual CV for a mayoral advisor: His last job was as general manager for Huffington Post Live.
In comments made to the Boston Herald, Koh said that "The first avenue people use to approach government is online. It's important to put just as much–if not more–care into our Internet presence as our phone presence, our physical presence."
Beyond being at the center of a major technology ecosystem which includes MIT, Harvard University, and Route 128 corridor (home to, among others, iRobot, Raytheon, and a host of other tech companies), Boston faced a grim test of their government's social media presence last year. Following the Boston Marathon bombings, the city's Twitter and Facebook outreach was featured front and center in the aftermath of the terrorist attack and subsequent manhunt.
According to a Gartner study, more than 20% of government organizations are expected to either announce a chief digital officer or to have already adopted one in 2014. The role is a hybrid of chief technical officer, chief data officer, and governmental publicist; CDOs are expected to assist government agencies in conducting public outreach online and to increase the efficiency of government through new tech adoption.


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Tech Gives Back!
Two weeks ago, DataXu joined TUGG (Technology Underwriting Greater Good) for their annual tech day of service here in Boston, Tech Gives Back. This is the third year of Tech Gives Back, which boasts 1000+ tech industry volunteers working throughout the Boston metro area at 30+ sites.
DataXu was an early proponent of TUGG and has participated in Tech Gives Back since the beginning. It's an event the team looks forward to every year! More than 20 of our Boston-based team pitched in to volunteer at Mather Elementary, which is the oldest public school in North America.
The team staffed a science fair helping kids understand different scientific principles with fun, hands-on experiments. They were shown the impact of an oil spill, the chemical reactions that make ice cream and the ways that archeologists dig for fossils. Following the science fair fun, the team also helped out with a number of other projects including distribution of school supplies and painting.
As our roots here at DataXu are based in science, it was great for the team to promote scientific principles to the kids at Mather, especially right in the community where a big portion of our team lives and works. Check out some shots of the team in action below!


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Mr. Vladimir Kirillov becomes chairman of the Council of Management Companies of NAUFOR and becomes a NAUFOR Board Member
Mr. Vladimir Kirillov, General Director of TKB Investment Partners (JSC) becomes chairman of the Council of Asset Management Companies operating under NAUFOR, the Russian National Association of Securities Market Participants.
National Association of Securities Market Participants (NAUFOR) is a Russian self-regulatory organization that unites professional securities market participants: brokers, dealers, trust managers and depositaries.
Also on June 22, 2017 the NAUFOR's general meeting also voted for Mr. Vladimir Kirillov to become a member at the NAUFOR's Board of Directors. Furthermore, the meeting also decided to enlarge the Board of Directors to 30 members and elected the new Board.
Among other things, the general meeting has set out NAUFOR priorities for 2017 which covered, inter alia, the following:
- to provide for operational regulations for NAUFOR's participants (taking part in rulemaking)
- to improve services offered by and to strengthen financial stability of NAUFOR's members and to protect client interests of NAUFOR's members (developing standards)
- to ensure better supervision over operations of NAUFOR's members
- to train and certify financial market's professionals
- to run public and informational events.
Mr. Vladimir Kirillov: "NAUFOR becomes a key self-regulating organization at the asset management market. NAUFOR will primarily focus on establishing a conducive operational environment for securities market participants, developing game rules for the growth of the asset management industry and for the higher reliability and quality of client services offered by professional market participants, and on keeping a dialogue with the regulator to further develop both the financial service market and to improve reliability and quality of services".


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The Verb 'To be'
English Teaching Resources
KS1/2 > SPaG > Reading and Writing
The Verb 'To be' teaching resource
49 slide PowerPoint
The Verb 'To be' is an English grammar resource introducing pupils to the irregular verb 'to be' in the present simple tense.
Contents include:
- An explanation of the different forms of the verb 'to be' with examples.
- Contractions of the different forms
- Interactive activites
- 5 accompanying worksheets
The Verb 'To be' can be edited so teachers have the freedom to adapt the resource to meet the individual needs of each class they teach.
Preview The Verb 'To be' by clicking on the images from the PowerPoint slideshow.
Get access to thousands of pages of resources. Find out more about membership here.Our Price : £3.99 / 4 Credits
Get this resource as part of a bundle and save up to 82%
KS1 Grammar Bundle
KS2 Grammar Bundle


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A little over two years ago, I published two articles regarding the new payment licensing regime that SBP had rolled out, and how flawed it was. The articles can be read here:
- How State Bank of Pakistan just killed the Payments & Fintech Startup Industry of Pakistan
- Murder on Chundrigar Road: How SBP just killed the payments/fintech startup industry
What this earned me was that my popularity within SBP rose! (Yes, I'm being sarcastic! What do you think happened?), but I digress. Two years down the road, where do we stand? Can we see or experience the difference by the different licences awarded? The answer is clear: Nope. Nada. Zero. Zilch.
Two years down the road, SBP is too proud to admit to its mistake that the licensing policy it rolled out was not only flawed, but had more holes than Swiss cheese. Having personally spoken (on and off the record) to those who have applied for licences at SBP, frustration levels are high, and as per one applicant: "What can I do Faisal? I cannot draw swords like you. They are the regulator and I have to play along."
Imagine that. We've become subservient to the regulator, which, by the way, happens to be a quasi-public servant.
The problem …
Call me a cynic (actually, I think that's what they call me behind my back), but let me break down the problem, and above all suggest a humble solution.
- In order to become a payment service provider, as per SBP's guidelines, one would be the US $2m as paid up capital, and an additional US $500,000, totalling US $2.5m to satisfy the requirements set forth in the licensing regime.
- As one is not touching the money, you still need to work with a bank (which is true in any market), but to do any agent-based business, you would now need to work with a bank that's either a micro-finance institution or has a branchless banking licence.
- There is a chicken-and-egg situation here. In order to partner with a bank, there's no framework that aligns it, nor is there a way around to set forth an independent agent network for payment services (such as a mobile wallet, and so on) without having to tie into the branchless banking net.
- The most coveted licences in the UK, EU, US, Australia, Canada, and so on, do not have such a high pricing barrier to obtain a licence.
- The commenting period in which the comments were sent forth were never made public, nor debated before the licence laws were cemented.
- The provisional conditions further exacerbate the situation, because looking at the general socio-business-economic fabric, the price tag is too high for many would-be aspiring startups to afford. In fact, it's a major obstacle.
Reversing or revising the licensing mechanics would equate to an admission of guilt and fault at SBP, so I doubt that would be happening anytime soon. However, there's light at the end of the tunnel.
The solution …
Steps SBP can take to remedy the situation, from bleak to bright:
- Introduce three additional sub-licensing categories.
Paid up capital can be set forth as:
- Category A: Paid up capital of Rs 1m, but caps the monthly processing volume to Rs 10m.
- Category B: Paid up capital of Rs 5m, but caps the monthly processing volume to Rs 50m.
- Category C: Paid up capital of Rs 10m, but caps the monthly processing volume to Rs 100m.
Allowing agent network to be set forth with the following limits:
- Category A: Agent cash-in/cash-out mechanism to be limited to Rs 5,000 maximum per transaction (per account holder per day to a maximum of Rs 50,000 per month).
- Category B: Agent cash-in/cash-out mechanism to be limited to Rs 10,000 maximum per transaction (per account holder per day to a maximum of Rs 100,000 per month).
- Category C: Agent cash-in/cash-out mechanism to be limited to Rs 25,000 maximum per transaction (per account holder per day to a maximum of Rs 250,000 per month).
Restrict the number of agents that can be assigned (though personally, I'm not in favour of this):
- Category A: Maximum 1,000 agents.
- Category B: Maximum 5,000 agents.
- Category C: Maximum 25,000 agents.
Allow mobile wallet licence within the prospect to be held in an FBO (for benefit of) account, and these funds are not commingled with the administrative/operating account of the licence holder.
- Allow unfettered access to the IBFT switch (1Link/MNet).
- Provide a list of ready banks who would be able to work with these licence holders and offer the FBO accounts.
- Provide a list of ready banks who would be able to extend out a virtual branch status to the newly appointed licence holder for easy accounting and ledger management.
The greatest crime a regulator can commit is to kill the spirit of entrepreneurship that the industry has. SBP is depriving the fintech startup industry of much-needed oxygen. There are no two ways about it: either kill the existing licensing regime and make it more affordable, or introduce a lower threshold scheme to enable other players to come onboard.The greatest crime a regulator can commit is kill the spirit of entrepreneurship Click To Tweet
This isn't a new concept or a temporary patch. It is what's now being used by regulators worldwide (example is the Small Authorized Institution — SPI licence in the UK), which by the way is far more affordable to local startups.
We need to let go of egos and feel the pulse of the industry, and serve what's required, not set hurdles. Failing to do so, we may just put the entire startup ecosystem onto one of the shelves at the SBP Museum (pictured above).
READ NEXT: Building a mobile wallet that customers want
– This article is reproduced with kind permission. Some minor changes have been made to reflect BankNXT style considerations. Read more here. Image: Yumna Rafi


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Fender Musical Instruments Corporation (FMIC) today announced the introduction of bass lessons to Fender Play–the complete learning app for bass, guitar and ukulele from the brand that popularized electric bass guitar. Fender Play makes learning bass easier than ever, teaching skills and songs from artists across popular styles, including: James Brown, Curtis Mayfield, Maroon 5, Bob Marley and more. Top bassists around the world have used Fender's iconic Precision Bass® and Jazz Bass® models for decades, changing the face of popular music. Now, the brand is looking to inspire a new wave of aspiring bassists to pick up the instrument.
Similar to other offerings on Fender Play, players progress through the learning process with simple bite-sized lessons, keeping their journey on track. With Fender Play Bass, players can learn essential bass skills, including slap bass, hammer-ons, how to play with a pick, funky slides, and how to read rhythm and ghost notes. Also, many songs on Fender Play feature companion lessons for both bass and guitar, giving aspiring musicians the resources to play with others.
"Bass is an essential part of the music creation process and the backbone of any band," said Ethan Kaplan, General Manager of Fender Digital. "In these new lessons, we place just as much emphasis on teaching skills and bass lines as we do showing players how to make music with other musicians."
"Fender was responsible for putting the first electric bass guitars into the hands of the world's best players, so it's only fitting to continue that tradition through a digital lens and inspire a new generation to pick up and play," he continued.
With content designed specifically for bass, lessons follow the same structure as those for guitar with an even more simplified approach, new skills and teachers. Top features include:
- NEW BASS INSTRUCTORS: Learn from top bass instructors Pete Griffin, Chelsea Stevens, Ozzy Carmona, Nikki Stevens, Darren McGuire, Dan Ellis, Travis Dykes and Harley Duggan; they join the Fender Play team from prestigious schools, like Berklee College of Music and Musician's Institute in Hollywood
- SONGS: Play favorite bass-driven songs, including:
- "Basketcase" – Green Day
- "Everlong" – Foo Fighters
- "I Got You (I Feel Good)" – James Brown
- "Move On Up" – Curtis Mayfield
- "One Love" – Bob Marley
- "Push it" – Salt-N-Pepa
- "Sheena Is A Punk Rocker" – The Ramones
- MULTIPLE CAMERA ANGLES: Easily see finger placement with "close up" shots designed for new players and a unique "over-the-shoulder" camera angle that captures the player's point of view
- VARIETY: Learn a blend of popular styles–including funk, rock, R&B, blues and pop
- BASS IN CONTEXT: Leverage backing drum loops and click tracks–as featured in Fender Tune Player Pack–and learn how to lock in with the rhythm section. Many bass songs also feature corresponding guitar lessons, designed as complements, so players can practice with friends
- SKILLS: Explore five levels and hundreds of lessons teaching reading and counting rhythm, slap bass, how to jam with a drummer, slides, walking bass, moveable patterns, playing with a pick, arpeggios, building basslines and more. Learn a skill, then play a song using those techniques
- TOOLS: Look up concepts with the "Bass Glossary" and easily follow along with song tablature
- TRACK PROGRESS: See progress in real time on a dashboard tracking number of songs/riffs, courses and lessons completed
To jump start the learning process, new players can sign up for a free trial at Play.Fender.comand continue their journey for $9.99 (USD) a month–with access to bass, guitar and ukulele lessons all in one complete learning package. Additionally, new players have access to a year of unlimited lessons for $89.99, empowering them to learn at their convenience.
Fender Play for bass is available now on iPhone, iPad, Android devices and desktop. The app is available in the United States, United Kingdom and Canada, and can be accessed globally in 36 countries in English. Preview sample bass lessons for I Love Rock 'N' Roll (Joan Jett & the Blackhearts) and Disco Inferno (The Trammps), and program and lifestyle images can be found here.
To learn more about Fender Play, visit: . For additional information on new Fender electric and acoustic bass guitar products, and to find a retail partner near you, visitwww.fender.com. Join the conversation on social media by following @Fender.
Since 1946, Fender has revolutionized music and culture as one of the world's leading musical instrument manufacturers, marketers and distributors. Fender Musical Instruments Corporation (FMIC), whose portfolio of brands includes Fender®, Squier®, Gretsch® guitars, Jackson®, EVH® and Charvel®, follows a player-centric approach to crafting the highest quality instruments and musical solutions across genres. FMIC is dedicated to unlocking the power of music through electric and acoustic guitars, amplifiers, pro audio, accessories and digital products that inspire and enable musical expression at every stage, from beginners to history-making legends.
Established in 2015, Fender Digital is a wholly owned division of Fender Musical Instruments Corporation (FMIC) dedicated to connecting a legacy brand with a new digital ecosystem of products and interactive experiences designed to accompany players, across genres, at every stage of their musical journey. Building on the iconic Fender name, Fender Digital designs and develops apps, websites, platforms and tools to complement Fender electric and acoustic guitars, amplifiers and pro-audio gear to inspire players through a 360-degree musical experience. Since its inception, Fender Digital has introduced Fender Tune® and Fender Tone™ for iOS and Android; Fender Play™ for iPhone®, iPad®, Android™ and Desktop; relaunched Fender.com with a refreshed product experience; and created Fender Connect® offering a platform for users to store their personalized information from Fender Digital platforms in one place, providing a universally connected experience.


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At Integral Medical solutions, we engage specialists and surgeons to undertake all medical conditions that are related to the musculoskeletal system. Through this support, the care, analysis and treatment of injuries or illness to bone, orthopedic trauma, muscle tissue, sports injuries, hand and feet problems or deformities, and a range of other issues are assessed and treated carefully.
Our surgery options can help you live more comfortably
In Thailand, orthopedic surgery is sought by a large proportion of our Australian clientele, so our professionals have successfully treated a wide variety of musculoskeletal injuries and illnesses. Our range of options engage both surgical and nonsurgical medical procedures to help you return to optimal health. During the procedure, you would be undergoing procedure at the internationally renowned Bangkok Hospital Pattaya. This is a world class hospital that offers the highest standard of medical care including specialised treatments and surgeries involving the latest industry technology and techniques.
Services include:
- Total Knee Arthroplasty
- Total Hip Arthroplasty
- Lumbar discectomy
- Minimally invasive surgery(MIS)
- Nucleoplasty
- Lumbo-Sacral Spine Decompression
- Lumbo-Sacral Spine Fusion
- Cercal Spine Fusion
- Mitchell Osteotomy
- Dupuytren contracture release
- Carpal Tunnel Syndrome Release
- Tennis Elbow Release
- De Quervain's Tenosynovitis release
- Trigger Finger Release
- Carpal Ganglion
- Knee Arthroscopy for ACL
- Knee Arthroscopy for PCL
- Knee Arthroscopy for Meniscectomy
- Knee Arthroscopy Debridement for OA
- Shoulder Arthroscopic Decompression
- Shoulder Arthroscopic Rotator Repair
We're well-versed in all things orthopedic
We are proud to be able to offer a broad range of cosmetic surgery, liposuction, breast augmentation and orthopedic surgery procedures in Thailand. Alongside our partners, Integral Medical Solutions is able to offer you a comprehensive range of services including medical tourism specific insurance, payment plans, expert medical consultations prior to travel, and medically trained staff on the ground in Thailand to ensure your experience with us is a positive one.
For more information about any of these procedures and their suitability to treat your medical condition, we encourage you to fill out our online consultation form. From here, we will contact you and begin the process of helping you regain your health. You are also welcome to contact us with any questions in regards to insurance, payment, travel and treatment options.


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Karen Loftus, P.E.
Ms. Loftus has over 25 years of experience in the mechanical and electrical engineering fields. She has designed, specified, and commissioned mechanical and electrical systems for a wide variety of building projects. Ms. Loftus has also served as project manager for the mechanical and electrical design efforts for industrial, institutional, municipal, and commercial projects for over twelve years. She has extensive experience managing projects from the early stages of planning and estimating, to the design and bidding phases, through construction and commissioning.
Douglas Bradley, P.E.
Mechanical Department Manager
As an experienced mechanical systems engineering project manager, Doug specializes in finding solutions to various clients' HVAC and plumbing needs. Doug has a very unique approach to project management, with a passion for implementing systems that are best suited to the facility needs of the client. With over 20 years of experience in the field of mechanical engineering, he has designed and specified HVAC and plumbing systems for a wide range of building projects, including K-12 education, higher education, health care, industrial, and religious building projects. He enjoys providing clients with well-designed and efficient mechanical rooms.
Stephen Culbert, P.E.
Electrical Department Manager
Stephen is the Electrical Engineering Department Manager. He brings more than 25 years of experience in the fields of electrical engineering, communications and acoustics to our team. Prior to joining Loftus Engineering, Stephen worked as a principal, departmental and project manager for multiple A/E firms. He has designed and overseen a wide range of projects including power distribution, lighting, life safety systems, communications systems and acoustics.
Kristina Ehlers, L.C.
Lighting Department Manager
Kristina has more than 15 years of experience in the electrical engineering field. She has designed electrical systems for a wide variety of building projects with various levels of scope and complexity. She achieved accreditation as a Lighting Certified professional from the National Council on Qualifications for the Lighting Professions (NCQLP), demonstrating her expertise in applying lighting principles and techniques.
Joe Jamison
Business Manager
Business Development
Joe has been in the A/E/C industry for more than 20 years with experience both in the office and on the construction site. His career started as a draftsman where he gained experience developing detailed CAD drawings for architectural, structural, electrical, and mechanical disciplines. These experiences lead him to a CAD management position where he managed numerous personnel and deadlines. While working full time, Joe returned to school to obtain a degree in Business Administration, which he now utilizes in his current role as Business Manager and Business Development.


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Here's a frustrating scenario: You receive an email from a potential new client requesting a consult. Yay!
You quickly send a reply with your available times and dates, and wait for your new client to get back to you with her availability.
Of course, by the time she does respond, you've already made other plans for the block of time she requests. Ugh!
Round two of emailing potential times and waiting for a response.
It's frustrating for you, and imagine how it makes you look to your new client? Truthfully, you come across as more than a little disorganized. Not only that, but how much time have you just wasted simply trying to schedule a consultation or discovery session?
There must be a better way.
Scheduling Apps Make Life Easier
In fact, you might even call them a miracle of sorts.
At last, you have a way for clients to pick a block of time you have available, and "get on your calendar." What could be simpler?
The only problem is:
- They're expensive–starting out at more than $10 per month! And if you want to create more than one calendar or appointment type, you can multiply that by five.
- They rely on a 3rd party. Do you really want to leave your most important business functions in someone else's hands?
- Getting paid is a hassle. Sure, you can ask for payment before sending the link to your calendar, but wouldn't it be easier to take care of payments and booking all at one time?
Don't Leave Your Calendar To Chance
When you live by (and get paid according to) your calendar, you simply can't afford to turn over control to the wrong app. And you certainly can't continue to do the email appointment dance.
You need a booking app that gives you total control, and the freedom to create unlimited appointment blocks, while offering both free and paid time slots. Sound like a pipe dream?
It's not. Introducing…
Appointment Book Plugin For WordPress
With this flexible, powerful plugin, you can manage your appointment calendar right from your WordPress dashboard. It's super easy to install and configure, and your clients will love how easy it is to book time with you.
The Appointment Book plugin…
- Installs in seconds, right from your WordPress dashboard–just upload the file and activate, and you'll be taking appointments in minutes.
- Allows you to create unlimited appointment calendars and types–book 20-minute discovery calls as well as hour-long interviews all from one convenient app.
- Provides the option to take payments in conjunction with your booking–no more wasted steps or frustration for your customers.
- Connects quickly with your PayPal account–take any currency in any country that accepts Paypal.
- Lets you customize your availability–no more last-minute bookings or accidental "next year" appointments.
- Gives you the power to determine holidays. We all work different schedules, and Appointment Book lets you decide when you're working–and when you're not.
- Creates both free and paid bookings–perfect for scheduling meetings with new clients.
- Features an easy "test" mode with PayPal's built-in sandbox function–no more $1 purchases that you have to refund just to make sure it works.
- Allows multiple bookings per time slot–ideal for offline businesses such as stylists or massage therapists who have multiple team members.
- Sends email confirmation to both you and your client, so you'll never miss another scheduled appointment.
- Provides easy point-and-click appointment choosing interface for your clients.
- Lets you view your upcoming appointments right in your WordPress dashboard.
And you get all of these features packaged in your familiar WordPress dashboard, so it couldn't be easier to learn or use.


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I have SharePoint list named "XXXXXXXXXXXX". when select any list item then the navigation removed and the options pane will appear. i want the navigation remains same even if i select list or list item. please reply as soon as possible.
I want this when i select list/list item :
I get this when i select list/list item :


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Which Preserva Product stain is right for your project, Preserva Wood or Architect Series?
Preserva Wood (a transparent or toner) is about 25 and the Architect Series (a semi-transparent) is about 50 on this scale.
On the opacity scale, zero is clear and 100 is solid. The lower the number is on the scale, the more natural the appearance while the higher the number is on the scale, the less natural in appearance but longer between maintenance coats.
To decide between the two you should determine…. What type of results do I want? Do I want a rich or natural look. How often would I like to reapply the stain?
Preserva Wood is a Transparent Toner Wood Stain developed in the Sierra Nevada Mountains to highlight the natural beauty of wood. This unique formula uses organic oils and resins combined with ultra-fine reflective pigments to give you the best protection possible. Whether it's the summer sun's UV rays, or the winter's rain and snow, Preserva Wood will protect your fence, deck, or siding for years to come. Offers serious protection from the sun and rain while being simple to apply and maintain. This true-oil,penetrating satin and sealer is preferred by homeowners and contractors because it is easy to apply and simply lasts longer than other wood stains.
Preserva Wood: Transparent Features & Benefits…
- Natural looking protection
- Natural Wood Tones
- Trans-oxide pigments
- True Oil Based Wood Stain – Deeper penetration into wood
- Easy to Apply – One Coat Application Only!
- Penetrating technology
- UV inhibitors
- Long Lasting Protection – Easy to re-treat without stripping!
- Organic Oils, Resins & Reflective Pigments – Protects your wood from sun and water damage
- High Solids Formula – More value for your dollar


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Scott Sackett
Director of Instruction
McCormick Ranch Golf Club
Scottsdale, AZ
Better the player, the more emphasis on a pre-shot routine. This is what I continue to see during my lessons. In other words, the higher the handicap the more emphasis the player places on the ball. The lower the handicap the more emphasis a player places on the target. Remember: Great players are target oriented not ball oriented.
Let me give you a few thoughts that may get you more target oriented and not so ball oriented. The list below is something that will take some time to implement into your new shot program. But, if you work on this in your practice sessions I'm sure you'll see some excellent results.
1) Stand behind the ball and look at the target. This is where you will prepare, visualize, relax and process your data. Based on the data, make the club selection that will give you the results you desire. At this point in the pre-shot routine, many players will visualize a particular ball flight they expect to see.
2) Take grip and pick out an intermediate target in front of the ball. (This intermediate target will be a blade of grass, a divot, leaf or anything that will help you to align to the target. This will be approximately one to six feet directly in front of the ball).
3) Walk over to the ball on a 45 degree angle keeping your eye on the intermediate target.
4) Step into the target with your right foot first. Then set the clubface down behind the ball square to the intermediate target.
5) This step is the key to a successful start. Square up your body perpendicular to the clubface. The body, which consists of feet, knees, shoulders, hips, forearms and eyes will be parallel to the target line at this point in your swing.
6) Look at the target once, then look at the ball, look at the target twice then the ball. At this point go ahead and pull the trigger.
7) Make your best swing through the ball to the finish.
8) Complete follow through. Bring club down in front of you. This is where you will analyze your shot.
Scott Sackett, GOLF Magazine TOP 100 Teacher since 1997, teaches full time at McCormick Ranch Golf Club in Scottsdale, Arizona. To get more information on lessons, visit www.scottsackett.com. To contact Scott personally, e-mail email@example.com.


text: News and Announcements01/10/19 -- Notice Regarding The Filing of Habeas Matters Beginning February 1, 2019, newly initiated habeas matters, with a file date of 02/01/2019 and after, will be paperless and e-filable. Note that Case Initiation for habeas matters will continue to be filed on paper with the appropriate clerk's office. The case initiation documents will be scanned by the clerk's office, and a paperless, electronic file will be created. Documents subsequent to Case Initiation will be e-filable. As with most other civil case types, E-filing in e-filable Habeas cases is mandatory for attorneys and law firms (unless granted an exclusion from electronic services requirements) and optional for self-represented parties. Documents subsequent to case initiation must be filed electronically by attorneys via Superior Court E-Services subject to exceptions as outlined in the E-Filing Procedures and Technical Standards document [https://www.jud.ct.gov/external/super/E-Services/e-standards.pdf]. Most documents filed on paperless habeas cases will be accessible publically over the internet using the Civil/Family Case Look-up.For further information go to https://www.jud.ct.gov/external/super/E-Services/efile/ or contact email@example.com


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I'm a neophyte
I have to create an indicator that I work on Tf1 min and that indicates me supports and resistances related to Close [0].
Basically I would like to analyze every single High, Low between the candle [0] and the candle [50], and when there are at least 2 equivalent values go to determine this value as support (if value <Close [0]) or resistance (if value > Close [0]).
How do you advise me to develop this calculation of the "Fashion" of values?
is there anything similar to draw inspiration from?
thank you


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Gym Jones Exercises
Gym Jones is a gym located in Salt Lake City, Utah. Its fame is in part due to the role it played in training actors for films such as "300" and "Repo Men." Gym Jones training programs make use of many unique and innovative exercises that borrow from many different disciplines.
Gym Jones was founded by Mark Twight, who had a previous career as a professional alpinist. Gym Jones' philosophy is that training in the gym must provide a strong foundation for activities outside the gym. To provide this foundation, exercises should closely match the metabolic and structural requirements of the activity. For this reason, different athletes, while following the same principles, train with different methods, depending on the activity. For example, cyclists and mountaineers might train in the same space as combat athletes, using similar exercises, but the overall programs are applied differently.
Renegade Man Makers
Renegade man makers is a compound exercise that combines a burpee, a renegade row, and a clean and press. Perform the exercise with dumbbells, beginning with them overhead as in the end of a military press. Squat down and plant the dumbbells on the ground next to your feet. Like a burpee, kick your feet back into a pushup position. Alternately lifting the dumbbells to your chest in a rowing motion is a renegade row. Perform a pushup, then kick your feet back to a squat. Stand up and lean the dumbbells to your shoulders, then press them overhead.
GHD Press
The glute-ham developer, or GHD, is a specialized bench that supports you at the hips and holds your ankles down. When prone in the GHD, you can train your lower back and hamstrings by performing back hyperextensions and glute-ham raises. Lying supine in the GHD allows you to perform full range-of-motion situps. Gym Jones popularized GHD presses, where you are supine as if for situps but hold your body parallel to the floor and perform presses. This combines the bench press and a static core exercise.
Tabata Hell
The tabata interval training protocol was developed by CrossFit trainers. It calls for 20 seconds of high-intensity work followed by 10 seconds of rest, repeated eight times for a total of four minutes. This workout chains together four-minute intervals of five different movements, such as pushups, pullups, squats and machine rows. Gym Jones took the idea further, increasing the challenge of the protocol by requiring you to spend the rest period in a compromised position such as the bottom of the squat, or holding the top of a pushup, rather than actually resting.
- zaew28/iStock/Getty Images


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Author: Vamp6669
Created: August 8, 2004
Taken: 98 times
Rated: PG
Design your Perfect Girl
Christmas This or That!
How much does your life suck?
The Survey Where You Say The First Word That Comes To Mind. Yay.
Bzoink Fill in the Blank Survery Game for Phones (next auto suggested word)
What Are You Afraid Of?
All about yourself...the survey.
50 Questions to answer honestly!
Popular | Today | This Week | This Month | Forever
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|RE: Last Letter Song Game 7
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Visit the Forums


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Spot get the hard work season wholesale jerseys
Business June 12, 2019
Why does this particular day so unsettle us, week after NHL Jerseys China week? Be active, have fun and encourage your friends and family to help give back to your Cheap NFL Jerseys group. It was standard for programming but didn't Baseball Jerseys serve ...Read More


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City Bank Customer Service Officer Job Ciruclar
City Bank Customer Service Officer Job Ciruclar exam date and admit card download. City bank limited recently published a job circular for the post customer service officer. Are you looking for city bank new job circular in 2016 or 2017 ? Then you have come the right place. Our website ejobcircular.com always published new govt and bank job circular in Bangladesh. You will also find … Read more


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In the era of digital banking, data is king. Only financial institutions that value it and put it to use stand a chance in the coming decade.
To illustrate, a report from the Aberdeen Group found that financial institutions that use analytics to understand customer attrition have a 12 percentage point lead in market share over those that do not, and in their recent banking outlook report KPMG went so far as to say that "banks that develop an infrastructure allowing them to analyze data quickly, that staff up to do that work, and that make revenue-oriented analytics part of their culture, are the banks most likely to grow their top lines." That's as clear as it can be. Better data analytics leads to more revenue, which will lead to dominance over the competition year after year.
But obtaining valuable data can sometimes be tricky. Account holders and potential account holders don't want to fork information over to you unless they receive something valuable in return.
How can you grow the amount of valuable data in your database by providing real benefits to end users? We give three suggestions below.
Three Ideas to Get More Account Holder Data
To Grow Your Email Lists: Offer No-nonsense User Guides
Examples might include "How To Not Get Screwed When Getting a Mortgage in Vermont" or "9 Ways to Make Sure You're Getting the Best Deal on a Business Loan in Seattle." Leverage the expertise of your loan officers, and hire a professional writer to tighten the prose.
Make sure your guides are focused on your region. You want people to Google "mortgages in [your region]" and have your user guide pop up. By establishing yourself as a credible, impartial voice in the field, and by gathering a database of email addresses in the process, you can start the long game of upselling in your region.
As we talked about in a previous post on content marketing, you should expect to be consistently involved with a campaign like this for 18 months before you start moving the needle. It takes time to earn the trust of potential account holders, but financial institutions that do it consistently will yield big results.
To Outsmart Your Competitors: Offer Digital Money Management Software
Picture this: An account holder sees that they can manage their finances in your digital banking portal, and as a result they add all their accounts. When that happens, you have access to aggregate data — including all the data from the external accounts your users add. You can then use that data to make personalized offers that directly counter what your competitors are doing. It's a win-win situation. Account holders get help managing their money and you get smarter marketing.
The reason this is so important for financial institutions is that companies like Mint are already competing on this front. They use digital money management to incentivize users to add data, and then they market on behalf of their large financial partners — who are probably your competitors. If your account holders start logging into Mint.com to see all their finances because you don't offer a good alternative, they'll be less likely to log in through your portal and you'll have less and less access to account holder data.
To Acquire New Users: Offer Products and Services to Potential Account Holders
For example, you might put a mortgage calculator on your site and link it to a gated offer for a free mortgage-loan consultation. Or you might offer in-branch workshops to anyone in the community who wants to learn how loans work. You could even offer your financial management app for free to anyone who wants to use it. The point is that when people see that you're interested in their financial well being, they'll be much more likely to give their information in return.
These three actionable ideas will help you amp up your database and drive more revenue, but they'll also make the lives of your end users better in legitimate ways. In addition, consider that once your users see that you consistently add value to their lives, they'll be more likely to give you more of their information in return. You'll start the process of building loyalty and nurturing long-term relationships. It all starts with adopting the mindset that everything you do should benefit account holders.
Source: http://bit.ly/1FSj9ae


text: Whenever i pop over to another smp i'm not sure how much daylight is left. So i constantly do /map and click the link wasting a few minutes of daylight.What if we had a soulbound clock that we could purchase from the /shopThat way it's not a rare item, it's not a promo. Just a nifty gadget that lets you know how much daylight or moonlight is left.


text:
Straight from the Horse's Heart
Source: Multiple
"Ruling complicates recent win to save American horses from slaughter"
ALBUQUERQUE — A federal magistrate on Thursday ordered equine advocacy groups that won a temporary ban on domestic horse slaughter to post a bond of nearly $500,000 as they continue their legal fight to save America's horses.
U.S. Magistrate Robert Scott settled on the amount after hearing from attorneys who represent two companies that had planned to begin operations this week at slaughterhouses in New Mexico and Iowa.
"The bond requires the plaintiffs to put their money where their mouth is. There are real-life consequences to these actions and we're appreciative of the judge recognizing that," said lawyer Pat Rogers, who represents Responsible Transportation, a horse butchering company in the town of Sigourney, Iowa.
View original post 334 more words


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National Cooperative Geologic Mapping Program
A matching-funds grant program with universities that aims to train the next generation of geologic mappersLearn more
The National Geologic Map Database - NGMDB
The NGMDB is a distributed archive of standardized geoscience information for the NationFind data
Great Lakes Geologic Mapping Coalition (GLGMC)
Understanding the three-dimensional distribution of the glacial, periglacial, and proglacial deposits that overlie the bedrock of the MidwestVisit the GLGMC
The National Cooperative Geologic Mapping Program (NCGMP) is the primary source of funds for the production of geologic maps in the United States and provides accurate geologic maps and three-dimensional framework models that help to sustain and improve the quality of life and economic vitality of the Nation and to mitigate natural hazards.
The National Geologic Map Database
The National Geologic Map Database serves as the authoritative, comprehensive resource for information about paper and digital geoscience maps and reports on the Nation's geology and stratigraphy, by all publishers.Search the NGMDB
USGS EDMAP Program – Call for Proposals
Calling all geoscience faculty conducting research or teaching geologic mapping. The USGS EDMAP Program is accepting funding proposals focusing on geologic mapping to support upper-level undergraduate and graduate students at their colleges or universities.
Geological Engineering Student, Professor Assist USGS in Mapping Charleston
A University of Mississippi geological engineering professor and his graduate student are assisting in a federally funded research project to geo-map the United States. Click here to view the Ole Miss University of Mississipi News article by Edwin B. Smith
Searching for Great Geologic Maps
The USGS Announces Final Call for Abstracts: Best Student Geological Map Competition at GSA Phoenix.
Effects of infiltration characteristics on the spatial-temporal evolution of stability of an interstate highway embankment
Infiltration-induced landslides are among the most common natural disasters threatening modern civilization, but conventional methods for studying the triggering mechanisms and predicting the occurrence of these slides are limited by incomplete consideration of underlying physical processes and the lack of precision inherent in limit-equilibrium...Hinds, Eric; Lu, Ning; Mirus, Benjamin B.; Wayllace, Alexandra
The Appalachian Geo-STEM Camp: Learning about geology through experiential adventure recreation
The inaugural Appalachian Geo-STEM Camp (AGC) was a partnership between West Virginia University (WVU), the U.S. Geological Survey (USGS) and the West Virginia Geological and Economic Survey (WVGES). Designed to engage high school students in geoscience-oriented Science, Technology, Engineering and Mathematics (STEM) activities through adventure-...Burns, Robert; Carter, Mark W.; Brock, John C.; Leveque, Jonas; Bunse, Emily; Palaseanu-Lovejoy, Monica; Guala, Gerald F.; Harlan, Nathan; Blake, Mitchel; Moreira, Jasmine; Britton, Jim; Ashton, Kenny; Nugent, Barnes; Marketti, Michael J.
Quaternary sediment thickness and bedrock topography of the glaciated United States east of the Rocky Mountains
Beginning roughly 2.6 million years ago, global climate entered a cooling phase known as the Pleistocene Epoch. As snow in northern latitudes compacted into ice several kilometers thick, it flowed as glaciers southward across the North American continent. These glaciers extended across the northern United States, dramatically altering the...Soller, David R.; Garrity, Christopher P.


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Contact Our Offices
Five Convenient Locations
Each office is able to handle our local business but we are able to competently serve all of Virginia. From the shores of Va Beach to the mountains of Southwest Virginia and anything in between. Let us show you a small town touch when the big city agencies treat you like a number instead of a person.


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European SME innovation AssociateSave to favorites
ORGANISATION NAMEValitacell
ORGANISATION COUNTRYIreland
FUNDING TYPEFunding
RESEARCH FIELDNatural sciences
CAREER STAGEEstablished Researcher (R3) (Researchers who have developed a level of independence)Leading Researcher (R4) (Researchers leading their research area or field)
RESEARCH FIELD: Live Cell Imaging, Technology Development, Biomedical Engineering, Biotechnology, Life Sciences.
Valitacell is an Irish biotechnology company focused on the development of innovative solutions within the biopharmaceutical and cell therapy manufacturing space. Biologics are precision medicines that are manufactured in living cells, which is a complex, costly and time-consuming process resulting in high manufacturing costs and a lengthy route to market. Valitacell's intelligent analytical technologies enable data driven decisions which will have a transformative impact on the industries' processes, to improve manufacturing productivity, reduce the overall cost of goods and ultimately accelerate the manufacture of these life-saving medicines.
In addition, Valitacell have recently initiated a programme of research to develop novel analytical technologies to support the cell manufacturing industry in the commercialisation of cellular therapeutics.
Valitacell have been awarded the H2020 Coordination & Support Action (INNOSUP-02-2019-2020) to facilitate the hiring of a European SME 'Innovation Associate', a highly-skilled experienced researcher in the Life Sciences or Engineering sectors. The associate will play a critical role in the advancement of Valitacell technologies, as we work to integrate our disruptive platform technologies (Quantum & ChemStress) into diverse manufacturing systems in combination with live cell imaging applications. The Innovation Associate will work with an interdisciplinary team of cell biologists, product development specialists, cell imaging and automation collaborators. They will be tasked with providing technical support and expertise in live cell imaging and life sciences instrumentation across multiple projects in mammalian cell biology, from cell line development in the production of biologics, to stem cell manufacturing for cell therapy.
The IA's main objectives will be to support Valitacell to;
(a) Develop and refine an advanced integrated imaging & analytic technology platform for the CLD industry and (b) Define Valitacell's technological and innovation needs for the development of integrated imaging & analytic methods for the stem cell manufacturing industry.
During the project the IA will be tasked with;
- Developing and managing the project innovation strategy, in line with Valitacell objectives and business strategy,
- Identifying the optimal specifications for the development of integrated platforms across CLD and Cell manufacturing systems,
- Provide technical support in the development of an integrated platform prototype,
- Provide technical support in the implementation of the platform prototype in company trials,
- Develop literature/protocols for the optimal use of the prototype,
- Identify the optimal manufacturing specifications for the platform and
- Designing research projects to develop integrated imaging & analytic methods for the stem cell manufacturing industry.
The IA will work in a cross-disciplinary team of product development scientists, product managers, sales and marketing, Industrial and Academic collaborators. This is an exciting opportunity for an experienced researcher to engage with the biotechnology industry and drive the development of innovative technology solutions. They will become part of a fast-growing biotechnology company, working in a high energy environment at the forefront of technology development in Ireland.
It is essential that the IA have the following experience, skills and abilities;
- Experienced researcher with a PhD in Life Sciences or Engineering,
- Specialist knowledge of Live cell imaging systems,
- Life Sciences instrumentation and automation experience is ideal.
- Innovative and able to find pragmatic solutions to problems,
- Strong project management skills,
- Excellent communication skills, and the ability to work in a team,
- Desire to develop business and commercial knowledge.
This is a call for expressions of interest in this position, a full time one-year employment contract, for experienced researchers (R3-R4) from outside of Ireland.
- Gross salary of €64,000
- Relocation costs up to €2,000
- Business & Innovation management training
To apply for this position, please send your CV & cover letter to Valitacell at (email@example.com).
For more information on the INNOSUP-02-2019-2020 call details, please visit the European Commission website. For informal enquiries about this post, please contact Valitacell at (email@example.com)
Further information about Valitacell can be found at http://www.valitacell.com/
More Information
The responsibility for the funding offers published on this website, including the funding description, lies entirely with the publishing institutions. The application is handled uniquely by the employer, who is also fully responsible for the recruitment and selection processes.


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Flore – 'Lointains souvenirs'
Flore's series 'Lointains souvenirs' – a slow long-distance journey to Indochina in the company of her grandmother and the French writer and experimental filmmaker Marguerite Duras, who both lived there once at the same time and locations.
It is neither a documentary of her family history nor an interpretation of the mythologies of the author. This is an intimate adventure to capture the echoes of two women's voices and along with her own to compose a new delicate story woven from threads of melancholy tones, timeless memories and nostalgic poetry.
Guided by Marguerite Duras's knowledge of the places in her works, Flore walked along the banks of Mekong River, the rice paddies of southern Cochin China, entered colonial houses, to find the atmosphere evoked by the imaginary she had created about these past times while visiting her grandmother's house. This is not a simple tale about ordinary harmony and beauty, but through a kind of haze and blurred horizon, the artist immersed us into a fascinating world with enigmatic landscapes, mysterious roads and dreamlike buildings.
The series is published in a book.


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Securities house executive Yim Fung's undeterred confidence in the industry pays off with mainland brokerages in HK now finding themselves on a firm track. He talks to Duan Ting.
Yim Fung paints a rosy picture for Hong Kong's stock market for 2017. He believes an anticipated bond-market link between the Chinese mainland and Hong Kong augurs well for the city's financial markets. (Photo by Roy Liu / China Daily)
Yim Fung had sanguinely defied the odds when he placed his faith in Hong Kong's securities business 18 years ago — on the heels of a devastating global financial crunch.
Local brokerages had not been spared from the turmoil that gripped almost every aspect of Asian financial life, with Hong Kong witnessing one of the most spectacular business breakdowns — the demise of the city's largest broker Peregrine Investment Holdings Ltd in early 1998.
Yim's bet paid off. The chairman and chief executive officer of Hong Kong-based Guotai Junan International Holdings Ltd — the overseas arm of the Chinese mainland's third-largest brokerage by assets Guotai Junan Securities — soon found he had hit pay dirt.
Large mainland brokerages have been stepping up their internationalization drive in the capital market through listings or mergers and acquisitions, especially in the past two to three years
Yim Fung, chairman and chief executive officer of Guotai Junan International Holdings Ltd
When he began his stint with the group's Hong Kong unit in 1999 — just two years after the handover — the local retail brokerage trade was still very much in the clutch of the city's securities houses, and investment banking was largely done by foreign banks. Mainland-owned brokerages in Hong Kong were very much a rare commodity, Yim recalls.
Peregrine's collapse offered a grim reminder of, perhaps, what was to follow.
But, by 2006, the China Securities Regulatory Commission (CSRC) — the mainland's securities watchdog — had started encouraging financial enterprises to innovate and prodding them into "going global". Mainland-owned brokers thus embarked on their march onto the global financial stage.
Guoyuan Securities became the first mainland brokerage to get the CSRC's nod to set up shop in Hong Kong in mid-2006. It triggered the rush, with the number of mainland brokers surpassing that of their local and foreign peers in Hong Kong in recent years, according to Yim.
For 2016, the brokerage net income of Hong Kong Exchange Category B Brokers, into which most mainland securities houses are classified, recorded a 21 percent year-over-year decline, the least among the three categories, while Category A, representing most foreign investment banks and commercial banks, and Category C, representing most local brokerage firms, saw brokerage net income plummet 90 percent and 80 percent, respectively.
For the same period, revenue from mainland companies' other businesses, including investment advisory, asset management and corporate finance, went up 23 percent to 10.2 billion yuan (US$1.5 billion), effectively making up for the loss in the brokerage business.
As Yim sees it, more mainland enterprises will be venturing abroad, using Hong Kong as their springboard for expansion. "Large mainland brokerages have been stepping up their internationalization drive in the capital market through listings or mergers and acquisitions, especially in the past two to three years," he tells China Daily.
Rush to go out
The mainland's capital market, he notes, has been growing rapidly since the country's reform and opening-up, and mainland companies' lust to go overseas has pushed financial service providers, like securities houses, to go global. "Guotai Junan Securities' listing in Hong Kong is one of the group's internationalization strategies," says Yim.
Guotai Junan Securities went public in the SAR in April, raising HK$16.5 billion through its initial public offering — the biggest in the city so far this year.
Getting listed on the mainland in 2015 and in Hong Kong this year has opened up funding channels for Guotai Junan Securities in both markets. However, Yim reckons that, compared with other brokers, the amount of funds raised by the parent company remains moderate despite its size and net-asset value.
Established in August 1999, Guotai Junan Securities was the product of the merger of the former Guotai Securities Co Ltd and Junan Securities Co Ltd.
Guotai Junan International opened its Hong Kong office in 1993 and obtained its securities license two years later. It's the first mainland securities house to win CSRC approval to float on the main board of the Hong Kong Stock Exchange in 2010.
Yim recalls two crises in the group's history that could have resulted in a collapse — one in 1995 when Junan Securities could hardly settle its inter-bank lending business and the other in 1997 when its Hong Kong arm failed to fix its investment in small-cap stocks which crashed during the global financial crisis.
"We've really learned a lot from all these and have thus come up with a prudent strategy to develop. Our company relies on itself for development as we build up our core team and platform on our own rather than through mergers and acquisitions."
Guotai Junan International's strategy is to focus on its core business, develop fintech (financial technology) to boost online trading, upgrade research and risk management skills continuously, as well as to expand the brokerage, investment bank, asset management, fixed income and wealth management business and margin finance, says Yim.
Technology push
Last year, close to 80 percent of the company's securities orders were placed through online channels, making Guotai Junan International largely an online broker.
Fintech is more than a heated issue at the moment. Since 2000 when the company began adopting brand new business strategies in Hong Kong, Yim has set the goal of continuously leveraging on technology which, he believes, is a low-cost skill that can be utilized and embraced by financial institutions.
As an enterprise, he says, it's better to allow for sustainable development through mutual benefits and a win-win approach, and companies should concentrate on how to better serve their clients and help them swell their wealth.
Yim thinks risk management is of great importance to finance houses: "The ultimate goal of financial institutions is to make money, but risk management is the core process. "The sagas involving Peregrine Investments and Lehman Brothers could return to haunt us without proper risk management," he warns.
Guotai Junan Internationals' net profit was down 4.4 percent year-on-year in the past financial year as a sluggish economic environment dampened the brokerage business, while revenue rose 10.7 percent to HK$2.5 billion.
The company's income from brokerage and asset management dropped 45.4 percent and 46.3 percent year-on-year to HK$393 million and HK$28.5 million, respectively. Offsetting the decline, income from corporate finance operations jumped 62.3 percent to HK$456.7 million, while that from the loans and financing business surged 20.3 percent to HK$1.3 billion.
Yim paints a rosy picture of Hong Kong's stock market for 2017 despite last year's volatility and expects the brokerage business to pick up. "The bonds and financial products business will probably surge beyond expectations."
He explains that many mainland companies are issuing dollar bonds as mainland authorities step up capital control and lots of companies are eyeing mergers and acquisitions abroad to bring in advanced technology and explore overseas markets, along with the need to use foreign currencies for business. The issuance of dollar bonds will keep rising this year, fueling the bonds business.
Premier Li Keqiang had said earlier a bond market linking Hong Kong and the mainland will be launched this year. Yim is optimistic that such a link will offer more bond products for investors, noting that the risk is relatively smaller compared to stocks.
"Having said that, we'll keep focusing on the core business and invest overseas but, in terms of overseas expansion, we prefer setting up affiliates or participating in the operations of target companies in other countries rather than fully acquiring them."
Fascination with stocks drives a lengthy career
Guotai Junan International provided Yim Fung with platform to build on his career — something that has kept him glued to the company for the past 18 years.
Now chairman and chief executive officer of the company, he joined Junan Securities in Shenzhen in 1993 when the group was just established and after he had graduated from the Graduate School of the Chinese Academy of Social Sciences with a doctoral degree in economics in 1990.
Yim also has a bachelor's degree in environment engineering from Tsinghua University, where he had studied for seven years. He said he had been deeply influenced by the practical and diligent attitude he had cultivated at the prestigious institution.
He also studied at the Chinese Research Academy of Environmental Sciences majoring in the environment and economics.
After graduation, he found his way in Shenzhen after a brief working stint at the Chinese mainland's State Planning Commission.
"The securities business is an emerging industry which made its mark in 1992," Yim tells China Daily. When he first arrived in Shenzhen, he had developed immense interest in the securities trade after seeing people trading in stocks on the streets.
In 1999, he was assigned by the newly merged Guotai Junan Securities to work in their Hong Kong branch, and today has amassed more than 25 years' experience in the securities business.
Yim is also honorary president of the Chinese Securities Association of Hong Kong. The association was founded in 2009 with only seven members, and has seen its membership grow to more than 100, covering brokerages and futures companies.
Talking about work-life balance, he says it's important to have a good rest and be ready for work the next day.
In his spare time, he enjoys walking and exercising, and spends an hour every day taking a stroll by the harborside.
Contact the writer at firstname.lastname@example.com


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Our current rate for any legal services not included on the Probate, Bankruptcy or Personal Injury Fee Schedules is $250.00 per hour. If you have any questions, please feel free to contact us.
Copyright © 2014 Law Offices of Michael L. Faber
If you have any questions or comments about the site, please send an e-mail to email@example.com


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Please allow 5-7 business days for your postcard order to be printed before shipping.
Coastal Collection: 24-piece Postcard Set
This breezy 24-piece postcard set includes two dozen of our most popular designs from the Coastal Collection. Of course, we shrunk them down so you can fit them in the mailbox! These little beauties are ideal for sending to pen pals or for decorating with small frames. Postcard Dimensions: 4.25" x 6".


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In July of 2012, the United States Food and Drug Administration (FDA) approved a new weight loss drug called Qsymia. This is a combination medication with two existing medications that are generic – Phentermine(Adipex or Bontril) and Topiramate (Topamax).[table "2" not found /]
Phentermine and Topiramate Weight Loss
Generic Combination of Phentermine and Topiramate* is an option available after consultation with W8MD Physicians
As the manufacturer brand name cost of the medication at $250-275 per month is a bit high for many people trying to lose weight, some of our patients requested us on the generic combination with the same dose.
Realizing the significant cost benefit to our patients, W8MD Medical Weight Loss Centers program in New York City, King Of Prussia and New York City have prescribed the generic combination of Phentermine, and Topiramate for significant cost saving and with very good results.
As each of these components for weight loss pill can be as cheap as $50 USD for a month supply, you will only pay about $60.00 per month for both Phentermine and Topiramate in the generic combination as opposed to about $160 for a month supply of Qsymia.
Here is the information from the FDA on the new weight loss medication Qsymia
The U.S. Food and Drug Administration today approved Qsymia (phentermine and topiramate extended-release) as an addition to a reduced-calorie diet and exercise for chronic weight management.
The drug is approved for use in adults with a body mass index (BMI) of 30 or greater (obese) or adults with a BMI of 27 or greater (overweight) who have at least one weight-related condition such as high blood pressure (hypertension), type 2 diabetes, or high cholesterol (dyslipidemia).
BMI, which measures body fat based on an individual's weight and height, is used to define the obesity and overweight categories. According to the Centers for Disease Control and Prevention, more than one-third of adults in the United States are obese.
"Obesity threatens the overall well being of patients and is a major public health concern," said Janet Woodcock, M.D., director of the FDA's Center for Drug Evaluation and Research. "Qsymia, used responsibly in combination with a healthy lifestyle that includes a reduced-calorie diet and exercise, provides another treatment option for chronic weight management in Americans who are obese or are overweight and have at least one weight-related comorbid condition."
Qsymia is a combination of two FDA-approved drugs, phentermine and topiramate, in an extended-release formulation. Phentermine is indicated for short-term weight loss in overweight or obese adults who are exercising and eating a reduced calorie diet. Topiramate is indicated to treat certain types of seizures in people who have epilepsy and to prevent migraine headaches.
Qsymia must not be used during pregnancy because it can cause harm to a fetus. Data show that a fetus exposed to topiramate, a component of Qsymia, in the first trimester of pregnancy has an increased risk of oral clefts (cleft lip with or without cleft palate). Females of reproductive potential must not be pregnant when starting Qsymia therapy or become pregnant while taking Qsymia.
Females of reproductive potential should have a negative pregnancy test before starting Qsymia and every month while using the drug and should use effective contraception consistently while taking Qsymia.
The safety and efficacy of Qsymia were evaluated in two randomized, placebo-controlled trials that included approximately 3,700 obese and overweight patients with and without significant weight-related conditions treated for one year. All patients received lifestyle modification that consisted of a reduced calorie diet and regular physical activity.
The recommended daily dose of Qsymia contains 7.5 milligrams of phentermine and 46 mg of topiramate extended-release. Qsymia is also available at a higher dose (15 mg phentermine and 92 mg of topiramate extended-release) for select patients.
Results from the two trials show that after one year of treatment with the recommended and highest daily dose of Qsymia, patients had an average weight loss of 6.7 percent and 8.9 percent, respectively, over treatment with placebo. Approximately 62 percent and 69 percent of patients lost at least five percent of their body weight with the recommended dose and highest dose of Qsymia, respectively, compared with about 20 percent of patients treated with placebo.
Patients who did not lose at least three percent of their body weight by week 12 of treatment with Qsymia were unlikely to achieve and sustain weight loss with continued treatment at this dose. Therefore, response to therapy with the recommended daily dose of Qsymia should be evaluated by 12 weeks to determine, based on the amount of weight loss, whether to discontinue Qsymia or increase to the higher dose. If after 12 weeks on the higher dose of Qsymia, a patient does not lose at least five percent of body weight, then Qsymia should be discontinued, as these patients are unlikely to achieve clinically meaningful weight loss with continued treatment.
Qsymia must not be used in patients with glaucoma or hyperthyroidism. Qsymia can increase heart rate; this drug's effect on heart rate in patients at high risk for heart attack or stroke is not known. Therefore, the use of Qsymia in patients with recent (within the last six months) or unstable heart disease or stroke is not recommended. Regular monitoring of heart rate is recommended for all patients taking Qsymia, especially when starting Qsymia or increasing the dose.
The FDA approved Qsymia with a Risk Evaluation and Mitigation Strategy (REMS), which consists of a Medication Guide advising patients about important safety information and elements to assure safe use that include prescriber training and pharmacy certification. The purpose of the REMS is to educate prescribers and their patients about the increased risk of birth defects associated with first trimester exposure to Qsymia, the need for pregnancy prevention, and the need to discontinue therapy if pregnancy occurs. Qsymia will only be dispensed through specially certified pharmacies.
Vivus Inc. will be required to conduct 10 postmarketing requirements, including a long-term cardiovascular outcomes trial to assess the effect of Qsymia on the risk for major adverse cardiac events such as heart attack and stroke.
The most common side effects of Qsymia are tingling of hands and feet (paresthesia), dizziness, altered taste sensation, insomnia, constipation, and dry mouth. Qsymia is marketed by Vivus Inc. in Mountain View, Calif.
Call W8MD to learn more about the generic or brand name Qsymia available after a consultation with our weight loss doctor.
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- 8 Amazing Weeks of Weight Loss
- Fast Weight Loss Tips
About W8MD Medical Weight Loss Centers
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- Why exercise alone does not help for weight loss?
- Low Fat or Low Carb Diet?
- 12 ways to lose weight quickly
- Weight loss supplements
|Insurance weight loss programs
|Weight loss testimonials
"I lost 75 lbs with W8MD and feel great". - J.W.Smith, CPA
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Burgh Island Hotel
England / Bigbury-on-Sea, Devon
Burgh Island Hotel enjoys a fascinating history. With origins dating back to the 1920s, the spectacular art deco hotel it would become first took shape in 1929, when the island was sold to the filmmaker Archibald Nettlefold.
Imbued with all the unique glamour and elegance of the 1930s, the hotel became one of the most popular destinations of the time, and was visited on numerous occasions by such luminaries as Agatha Christie, Noel Coward, King Edward VIII and Mrs. Simpson, and Winston Churchill, to name but a few.
After being used as a vital recovery centre during the Second World War, the Grade II listed hotel has since been elegantly restored to its former glory. Offering opulent accommodation and sumptuous dining surrounded by golden beaches, Burgh Island Hotel is one of the finest examples of Art Deco style in Europe, and the only choice for a beautifully iconic South Devon break.
Most of Burgh Island's rooms and suites are named after some of the hotel's favourite and most distinguished guests, in homage to its vibrant history. Opulence and timeless allure are ever-present, whether you choose to spend your time in your suite or lingering over a cocktail in the Palm Court Bar.
Choose from endless accommodation options, all of them are supremely elegant. Nestled into the rock face, The Beach House is a sophisticated beachside retreat originally built for Agatha Christie, who wrote two island-set novels there - "Evil under the Sun" and "And then there were none". Panoramic views from every room are of course a given, and with fluffy bathrobes, private sun decks and a lounge complete with wood burner, you can plan your very own literary masterpiece right here.
The Garden Suite comes complete with an indulgent lounge and sea view terrace, while the Grand Suites are each equipped with a balcony. Large and standard suites are also available, along with comfortable medium rooms, small doubles, and finally the Artist's Studio, an open-plan and dog-friendly room with antique style furnishings.
Later on, dress yourselves up to the nines for a delicious, locally-sourced 5-course dinner in the Ballroom - where outrageous glamour is de rigueur, darling! Dance up a storm to live music from the house band, or you prefer something just a little less formal, the Captain's Cabin or the Ganges Restaurant are ideal.
The Palm Court Bar is dripping with style, and the ideal spot for a pre- or post-dinner cocktail, while the Pilchard Inn and Café, originally built in 1336, is a loved local landmark and hosts popular curry nights every Friday.
Spend your days exploring all the beauty of South Devon, perhaps beginning with Bigbury-on-Sea beach. Stunningly overlooked by Burgh Island Hotel, the golden sand beach is located in an Area of Outstanding Natural Beauty. If you're lucky enough, you can even grab a ride on the hydraulic Sea Tractor - the only one of its kind in the world!
Take a refreshing island walk, or if you're feeling brave, take a dip in the hotel's natural seawater Mermaid Pool. An endless variety of water sports are available for those who love an adrenaline rush, while the hotel's sauna and treatment room is an idyllic way to relax and be pampered.
Otherwise, take up your cues in the original 1930s billiards room, or challenge your loved one to a game of table tennis, before heading off to the Palm Court Bar to close yet another spectacular day.
Things to note
Check in is from 3pm, check out is 11:30am. Please note that the restaurants require formal dress - black tie and evening dress are quite usual. However less formal dining is possible at Captains or Ganges Restaurant.
Tried and tested
"The drivers are first class ambassadors and first point of contact on arrival. Familiarity and continuity. Check in easy polite welcoming and efficient..friendly warm people. Every member of staff we had contact with remembered our names and suite. The hotel facilities and rooms are exactly what we enjoy - the lack of tv mobile network internet and people glued to devices encourages conversation. Gary, Vlad, Victor and all the long term staff members we see every year are a credit and asset to the hotel. Gary's bar skills are legendary."
The basics
Region: Bigbury-on-Sea, Devon
Cost (from): £290 per night
Sleeps: Varies
Bedrooms: Varies
Bathrooms: Varies
Minimum stay: 2 nights (weekends)
Property ref: 939
FacilitiesBeach House sleeps 2, double bedroom, bedding & towels provided, bathroom, separate shower room, bathroom amenities, hospitality tray, comfortable lounge, wood burning stove, TV, WiFi, docking station, private sun decks.
A variety of other rooms and suites are available, please see the website for full details.
Local activities
Sea tractor experience, island walks, mermaid pool, swimming, surfing, paddle boarding, tennis, croquet, sauna, spa room, massage, snooker, table tennis.
At a glance
- An outrageously elegant Art Deco retreat on its own private South Devon island, overlooking the beach at Bigbury-on-Sea. Ideal for celebratory breaks that need a touch of something extra.
- Choose from the indulgent Beach House, originally built as a writer's retreat for Agatha Christie, or a vast selection of rooms and suites, most of which have been named after the hotel's most distinguished guests.
- WiFi access is available, although there is limited mobile reception on the island - an ideal excuse to switch off!
- As an option, you can include a five-course black tie dinner. Choose from the glamorous Ballroom, or the slightly less formal Captain's Cabin or the Ganges Restaurant.
- Enjoy a drink at the Pilchard Inn and Café, or the stylish Palm Court Bar. There is also a spa and sauna, a 1930s billiards room and table tennis available to guests.
You may also be interested in:
The Beach Hut
England / Carswell Cove, South DevonStar in a beachfront love story with a grown ups-only romantic cabin for two, blissfully hidden away in a cosily secretive cove on the South Devon coast. Romantic seaside escapes simpl...
The Lodge
England / Newton Ferrers, South DevonAn award-winning, eco-friendly family hideaway set in stunning South Devon, the ideal setting for endless fun-filled days of natural relaxation and adventure. Located in an Area of Outs...
The Mews
England / Newton Ferrers, South DevonThe Mews is a romantic barn conversion for two, peacefully situated on a fresh and idyllic South Devon farm. If you're looking for an enchanting farmside escape that's as scenic as it is...
Company Info
A hand-picked directory featuring the most unusual and exciting holiday accommodation in the UK and worldwide.
Host Unusual Limited
Registered office:
Space 282
282 Leigh Road


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Four senators who met the Prime Minister during his visit to Washington said he told them he may yet order an independent investigation.
On Tuesday, the Prime Minister joined President Barack Obama in condemning the release of Abdelbaset Ali Mohmed al-Megrahi but added: "I do not currently think that another inquiry is the right way to go."
But the senators from New York and New Jersey, the states where most of the 189 American victims on board Pan Am flight 103 came from, said Mr Cameron was clear that he was keeping an open mind.
Sen Chuck Schumer said the door had been left open during the 45-minute meeting at the Senate.
"Our request for an independent investigation is still on the table. He said that it's not case closed," he said. " We will not rest until we're satisfied that all the facts are revealed and all the appropriate action is taken."
Mr Cameron has already asked Gus O'Donnell, the Cabinet Secretary, to release secret government documents that could shed light on how BP pushed Labour ministers to reach a prisoner transfer agreement with Libya. The deal paved the way for al-Megrahi to be freed last year on compassionate grounds.
The senators said they had not given hope that Tripoli could return al-Megrahi to prison, or prevent BP from continuing with its drilling off Libya's shores.
Al-Megrahi was given a three-month prognosis when Kenny MacAskill, the Scottish Justice Minister, ordered his release but recent reports from Libya have suggested he could live ten more years.
Alex Salmond, the Scottish First Minister, yesterday insisted he did not regret the decision and claimed administration acted in good faith on the evidence available at the time.
"It's not unheard of for people who have been released on compassionate grounds to live longer than the three months specified," he said, citing the example of Ronnie Biggs, the Great Train Robber.
Asked about why al-Megrahi was still alive, he said it was "entirely possible that somebody's life expectancy in a prison in Greenock is somewhat shorter than the life expectancy on a progressive drug therapy in Tripoli".
He called on the Government to release all documents relating to the prisoner transfer agreement (PTA) signed by Libya and Tony Blair's administration in 2007.
The US Senate Foreign Relations Committee is expected to summon executives from the firm as well as former ministers to account for their role in the controversial release at a hearing next week.
Sen Bob Menendez of New Jersey, who will chair the hearing, said yesterday that the senators "wanted information about how the doctors got it so wrong" and wanted to know more about the "interplay between the British and Scottish governments and the interplay between BP and the former British government".
"It's incredibly important this comes out so we can know the truth," he said.
The row continued to overshadow Mr Cameron's trip to the US yesterday. He began the second day of his visit by laying a wreath at the Tomb of the Unknowns at Arlington National Cemetery – the final resting place for more than 330.000 who have served in the US military.
He then went on to the Pentagon for a briefing on Afghanistan and later headed to New York for talks with business leaders and UN Secretary-General Ban ki-Moon.


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Hey Belles!
As the sun scorches harder day by day, my thirst to buy comfortable summer outfit is increasing with the rise in temperature outside. Do you remember my last post about dungarees? Since the time, I started using them again this year, I have become really nostalgic. I was lost in my childhood memories and I was trying to remember the different outfits, I used to wear during summer.
Pinafore or a Pinafore Dress?
One of the vivid memory is of a pinafore dress. Don't confuse it with the pinafore. While pinafore is an apron, pinafore dress is sleeveless, collarless dress worn over different styles of tops or tees. It almost looks like a dungaree skirt. The difference between a dungaree skirt and pinafore dress is that a pinafore dress is made of lightweight material whereas dungaree skirts are made up of mostly denim.
My earliest memory of a Pinafore Dress
As a child, I had very little access to branded stuff or outfits of latest trends. My dad used to travel to different cities for business meetings and we used to give him a long list to shop for us. And that's when he used to shop for us and he used to stock my wardrobe with barbie dolls, outfits and shoes.
The second source for me was when I used to go for a vacation with family and shop crazily in different cities we were visiting. The third source for fashionable outfits was my favourite – my grandmother's hand-stitched outfits. She is one gem of a person and has immense knowledge about fabrics and her stitching skill is awesome.I have grown up wearing her hand stitched outfits. She did not undergo any fashion designing course, still, no one could beat her sewing skills in the town. She used to take a look at an outfit and create a carbon copy or sometimes even better outfits which used to leave us pleasantly surprised!
When those dungarees were trending in the 90s, I was obsessed with them and wanted to have more and more of those. Unable to access any outlet to shop for the latest fashion trends in my town, I turned to my grandmother. And did she stitch such a lovely dress in simple cotton fabric, which I prized for years to come! (Of course, till I outgrew them. I was a tall kid). How I wish that mobile phone cameras would have been so common earlier and I had a picture in it to cherish. Then I was unaware that the dress I was assuming as dungaree skirt is actually known as pinafore dress. Silly me!
Pinafore Dresses Today
I have relished my pinafore dress then and I simply love the current avatar as well. What else can be so versatile and classic at the same time.? This dress is a must-have in every girl's closet. The options for styling a pinafore dress are endless. Last week, I decided to wear my midi pinafore dress with a tank top. I threw my white sneakers to add the summery, feminine vibe that this look emits. I am already planning to wear this dress over a sweater with boots this winter.
Pinafore dresses are so cute, fashionable and in vogue these days. I selected this particular pinafore dress as I love floral outfits but don't like feeling too sweet and pretty in them. If you are someone like me this outfit is perfect for a day outing, brunch, movies etc.
Select the coolest colours and prints this summer and rock the world in your look. Hope this helps you to update your wardrobe this summer.
Until next time!


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I keep reminding myself that it is only for a little bit longer. I only am there until February 17th. One month. I can do it for one month. After all, it's already been five.
Of course, I'll be going back days later. But those breaks, those long weekends, they're my saving grace. Those are the times where I force myself to remember all the things that make me happy. I can't say that it works really. I like to think it does. I like to think that forcing the smiles and the laughs will make things better.
Regardless, I have to go back. I am doing everything to figure out what it means for me to transfer. I have researched schools. I have thought out what I am looking for. The result is still the same; I don't want to go.
Yeah, I know. I've been down this road before. I have to go, I get that.
Now that I know that where I am is not where I can be, then I need to find the next best thing to being free.
So here's to moving out of hell.


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Free Shipping. Tax Free.
We try to make our shipping policies as easy as possible for you.
Every product we offer has its own shipping information based on the designer and the manufacturer. Please look at this information in regards to the items you are interested in. And as always, any questions, drop us a line.
- All order over $69 ship free via ground delivery.
- White Glove Delivery Service is available for an additional charge - furniture items only.
- No Tax on orders shipped outside of Massachusetts.
- Cribs and most of the nursery furniture are custom orders and cannot be returned unless damaged in transit.
- Please note that most furniture items have an additional shipping cost associated with them, this is due to their size and weight and cannot be avoided. We try to minimize these costs with all of our designers and pass the savings on to you.
We do not ship outside of the United States for the the moment. We cannot ship to PO Boxes, a physical address is required for all product deliveries.


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There are all kinds of job and business opportunities for seniors – let's find out what they are!
Thank you for visiting Seniorjobseeker.com!
I hope you find the content within useful in your search for meaningful employment and business opportunities.
Perhaps you have been on this journey for a while. As a result, you are feeling a bit frustrated. Consequently, you are throwing up your hands and tearing your hair out wondering, "What do I do?"
I know from personal experience that finding meaningful income later in life can be a challenge. Because our world is so geared toward the youth market, it seems to forget we older folks even exist! Therefore, popular culture pretty much excludes anyone over 50. It consequently makes the value of older people less than it should be.
As an older person have you ever walked into a job interview and found that the person on the other side of the desk was your son or daughter's age or younger? I know I have. They look at you and automatically attach all kinds of negative preconceived ideas about your abilities. While they are not being malicious, they are absorbed into the youth culture and are unaware of the contributions older people make.
In this website my goal is to provide you with all kinds of ideas for finding employment and starting your own business. This will perhaps get your own ideas flowing. Maybe this will motivate you to take action.
After much thought and research I have recently found my own opportunity in affiliate marketing. In the beginning I was very skeptical about this approach but have found that it fits nicely with my goals and lifestyle. I have devoted quite a bit of this site to this great opportunity and to one training program in particular.
Best wishes on your journey!


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Qualities of the Best Restaurants in Charlotte NC
When going on vacation or a business trip in North Carolina, it is important that you choose one of the best restaurants in Charlotte NC. Nowadays, it is possible to review the services offered by any of the restaurants in this metropolitan city online from the comfort of your home or office.
Here are the top qualities of the best Irish restaurants that you should look out for as you plan for your trip.
Level of Professionalism
Professionalism is one of the major factors that you should put into consideration during the selection process. Not only restaurants, but also the best pub and restaurant in NC have put in place working protocols that ensures their personnel are professional and diligent when serving their customers.
Reputation and Credibility
Needless to say, the best Charlotte bars have fostered good relationships with their customers and this greatly helps them to make profits consistently. Avoid those that have a bad reputation, as that could be a sign of poor quality services. People who have visited the area in the recent past can give you recommendation of the best Murphy's Kitchen & Tap joints around the city.
Different restaurants in Charlotte NC have varying pricing systems and this is reflected in the cost of their services. Luckily, most of them have websites, so getting information about their various service packages is easy and straightforward. Before your departure, make sure that you have a clear picture of the prices to make the right decision. It is also important to point out that some of the restaurants offer discounts to clients who book accommodations in advance especially before the festive seasons kick in.
These three factors will help you to find the best restaurant in NYC. Be sure to compare each of restaurants in your list in-depth to find the best.
Murphy's Kitchen & Tap is a professional and reputable restaurant in NC that is well known for providing top catering services. Visit our website Murphyscharlotte.com to learn more about our services and book a reservation.
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