text:
The Reality of Apostates (Part 1)
God has used the book of Jude in a very profound way in shaping my philosophy, vision, and burden for His church over the past (almost) three years. And I recently revisited the book and looked at verses 17-23 and what it has to say about apostates, whether they be teachers or not. Even though I studied this book in a fair amount of depth only a few years ago, I must say that God's Word has again proven to be a deep reservoir of truth that I have yet to skim the surface of.
First of all, it is important to start off with the same definition of apostates or apostasy. Apostasy is defined as "a total desertion of or departure from one's religion, principles, party, cause, etc."1 or "1 : renunciation of a religious faith, 2 : abandonment of a previous loyalty"2. So when I use this word, I am referring to those individuals who, at one time, either confessed the truth of Scripture while claiming to be followers or they have at least been confronted with the truth of Scripture and rejected it. Also, an important thing to note is that based on my understanding of Scripture, is that apostate people were never saved, and unless apostates repent of their sin and trust in Christ alone for salvation, they will be condemned because of their sin.
"But, dear friends, perseverance is not the lot of the few; it is not left to laborious preachers of the Word, or to consistent Church-officer it is the common lot of every believer in the Church. It must be so for only thus can they prove that they are believers. It must be so, for only by their perseverance can the promise be fulfilled, "He that believeth and is baptized, shall be saved" Mark 16:16. Without perseverance, they cannot be saved; and, as saved they must be, persevere they shall through divine grace."3
When looking at these verses in Jude, the first thing that I noticed is that Jude admonishes his readers to remember what the apostles had taught concerning these things that he is writing about (v. 17). This is, I think, an important part of Jude's writing. His whole book is a call to reminder, not a discourse on newly revealed truth. The other two places where Jude specifically calls his audience to remember something that they know or had been taught can be found in verse 3 where he says that we are to contend for the faith that had already been handed down, and in verse 5 where he reminds his readers of God's previous judgments of apostates. In order both to give some context to the verses at hand as well as to give some Scriptural arguments as to why I have defined apostates in the way that I have, I'll look at Jude's call to remember in verse 5.
"5 Now I desire to remind you, though you know all things once for all, that the Lord, after saving a people out of the land of Egypt, subsequently destroyed those who did not believe. 6 And angels who did not keep their own domain, but abandoned their proper abode, He has kept in eternal bonds under darkness for the judgment of the great day, 7 just as Sodom and Gomorrah and the cities around them, since they in the same way as these indulged in gross immorality and went after strange flesh, are exhibited as an example in undergoing the punishment of eternal fire." (Jude 5-7)
The first group called to mind here are the Israelites and the story of their Exodus from Egypt. The Israelites who were involved in this event witnessed the plagues that were sent upon Egypt, the parting and crossing of the Red Sea, they were led on their journey by a pillar of fire by night and a pillar of cloud by day, they were fed with Manna and Quail sent from God, and yet when they came to the very doorstep of Canaan, they were found to not have faith in God's ability to deliver the land to them. In fact, only two men from that whole generation that had experienced the miraculous works of God, Caleb and Joshua, were allowed to enter the land. Jude explicitly says that the people that God destroyed in the wilderness were those "who did not believe." Now, I don't believe that all of the Israelites who perished in the wilderness were apostates, but as a nation and a generation, they were apostate because they had seen and believed (to a point, anyway), but failed to believe when it came time to enter the land.
The second group called to mind here are some fallen angels. I say "some" fallen angels because Jude refers to these angels as being "kept in eternal bonds under darkness for the judgment of the great day". Simply skimming the gospels and the book of Acts will show that there were many examples of demons that were free and active in the world. Also, Peter refers to Satan as a roaring lion (1 Peter 5:8), not as a captive in bonds. Jude seems to be referring to a particular group of fallen angels who "did not keep their own domain, but abandoned their proper abode" and, in a similar way as the cities of Sodom and Gomorrah, "went after strange flesh". Based on this information, it seems best to me to look at the account in Genesis 6 to see what Jude is referring to.
"2 that the sons of God saw that the daughters of men were beautiful; and they took wives for themselves, whomever they chose.
6 The Nephilim were on the earth in those days, and also afterward, when the sons of God came in to the daughters of men, and they bore {children} to them. Those were the mighty men who {were} of old, men of renown." (Genesis 6:2,6)
Elsewhere in the Old Testament, the title of "sons of God" is commonly used to refer to angelic creatures. The book of Job seems to make this tie when both the sons of God came before the Lord and Satan came among them to present himself before the Lord (Job 2:1). It seems to me that the way to understand both the Genesis 6 account as well as Jude 6 is that fallen angels indwelt or possessed men in a certain way that when these men produced offspring, they were unique and a vile abomination in God's eyes. That is why the Jude's statement that the accounts of the sin of Sodom and Gomorrah and of these fallen angels was "in the same way" and they both "indulged in gross immorality".
So it was these fallen angels, though there could have been others since then too, who suffer the fate described here by Jude. And the reason that these angelic beings could be classified as apostates in the same way as the children of Israel who died in the wilderness is that these angels were witnesses of the manifest glory and awesome presence of Almighty God before they fell in sin. These two groups that Jude references here first are, quite possibly, the quintessential example of the extent that an apostate can be a partaker in the things of God and yet be lost.
Finally, Jude comes to the apostates at Sodom and Gomorrah. One of the things that I found interesting is that these cities and their inhabitants would qualify as true apostates even though they were destroyed for their sin of homosexuality. The reason that the inhabitants of this area qualify as apostates is that God's supreme demonstration of His wrath and His grace that had ever occurred up to that point on the earth had been displayed witnessed in the flood of the earth and the salvation of Noah and his family. The Interesting thing is that the Bible seems to indicate that Noah himself had only died about 40 years before the destruction of those cities, and that Shem (perhaps even Ham and Japheth) died 110 years after the destruction of these cities. So the inhabitants were apostates because they were the descendants of the people that God saved out of the flood. And more than that, those same people who had been saved were alive and able to testify to this through the life of these cities.
We can learn one very important lesson from the examples given here. Just because you or I witness or experience some miraculous work of God, that does not inoculate us from the real possibility of potential apostasy. It doesn't matter how close we are in proximity to God's manifest power and glory, simply being near Him and the displays of His power will not save us.
The only thing that will inoculate a person from being an apostate is if that person is born again, made a new creature by the working of God Himself. Some would argue that the modern day embodiments of people who I would call apostates are only backslidden and carnal Christians, but they are true and saved Christians. I don't think that I could disagree with this sentiment more. You see, when I was growing up and I heard the word "backslider" used, I understood it to be referring to Christians who were having a tough time being consistent in their devotional and prayer life. But what I have come to realize that it now (and may have meant back when I was a child, I don't know) refers to someone who at one time or during a season in their life had prayed the sinners prayer and had gone to church or a bible camp, but now they have very little (if any) visible sign of being a Christian and only vague platitudinous statements of belief that have no impact on their lives that are lived in a debaucheries, drunken, and worldly-minded manner, whether to a greater or to a lesser degree.
Man is saved by God's grace alone through faith in Jesus Christ alone, and it is not of any work of man. However, it seems clear from the Scriptures that form that point on, we can know that we are saved, but not based on a feeling or looking at an experience that we have had, but by obeying the Word of God. Sure, feelings do accompany our salvation, but feelings alone are not what we should put our stock in because many will be deceived having felt and believed that they were saved. John's sums up the reason for his first epistle when he wrote,
"These things I have written to you who believe in the name of the Son of God, so that you may know that you have eternal life."
(1 John 5:13)
What things had john written, both in his epistles and in his gospel, that he is referring to?
"If you keep My commandments, you will abide in My love; just as I have kept My Father's commandments and abide in His love." (John 15:10)
"By this we know that we have come to know Him, if we keep His commandments." (1 John 2:3)
"The one who says, "I have come to know Him," and does not keep His commandments, is a liar, and the truth is not in him;" (1 John 2:4)
Paul makes the same point in his letter to the Philippians, and he makes it clear that it is God who is enabling and working through you to allow you to obey His commandments.
"3 I thank my God in all my remembrance of you, 4 always offering prayer with joy in my every prayer for you all, 5 in view of your participation in the gospel from the first day until now. 6 For I am confident of this very thing, that He who began a good work in you will perfect it until the day of Christ Jesus." (Philippians 1:3-6)
"12 So then, my beloved, just as you have always obeyed, not as in my presence only, but now much more in my absence, work out your salvation with fear and trembling; 13 for it is God who is at work in you, both to will and to work for His good pleasure." (Philippians 2:12,13)
And finally, Jesus, in many of His parables and illustrations, made distinctions between those who were truly born of God and those who were imposters or pretenders. Whether it is the Pharisee and the Publican (Luke 18:9-17), the parable of the four soils (Mark 4:1-25), the living and dead branches coming off of the True Vine (John 15:1-11), the narrow and wide ways (Matthew 7:13,14), or the parable of the two foundations (Matthew 7:24-29), in all of these accounts, Jesus indicates that both parties believe (or at one time had believed that) that they are in the camp of the redeemed, but one is and one is not.
Believing that you are saved in spite of the fact that your life is not producing fruit is foolish. If you are at a point in your life where the pattern of your life is not one that is producing fruit, don't get hung up on the fact that you think that you were saved at a young age, repent of your sins now and throw trust completely on Christ, read His Word and obey it. Later, once you have been growing and maturing, then you could look back and address the question of when you were saved. But now is the time to trust in Christ, repent of sins, and grow. This is not a one-time action that a Christian does. The same things that accompany the initial saving work of the Holy Spirit in our justification (repenting of our sins and pro-actively trusting in Christ) are the same things that continue throughout a Christian's life.
1 "apostasy." Dictionary.com Unabridged (v 1.1). Random House, Inc. 02 Aug. 2007. http://dictionary.reference.com/browse/apostasy
2 "apostasy." Merriam-Webster's Online Dictionary. http://www.m-w.com/dictionary/apostasy
3 "Enduring to the End" by C. H. Spurgeon http://www.spurgeon.org/sermons/0554.htm


text:
Speech: Jürgen Stark: The global financial crisis and the role of central banking
Autor: Bancherul.ro
2011-04-13 11:17
The global financial crisis and the role of central banking
Speech by Jürgen Stark, Member of the Executive Board of the ECB,
Institute of Regulation & Risk, North Asia,
Hong Kong, 12 April 2011
It is a pleasure for me to address this distinguished audience. In my remarks today, I would like to share some thoughts with you on how the global financial crisis could shape central banking in the future.
Crises are often associated with deep-seated changes in both the mandates and functions of central banks – this is a well-established regularity in contemporary economic history. For example, central bank inaction was widely held responsible for worsening the economic downturn during the Great Depression of the 1930s. The result was that monetary policy was placed under the control of fiscal authorities for nearly two decades afterwards.
The Great Inflation of the 1970s had the opposite effect. The failure of weak monetary regimes to reign in high inflation led to the establishment, in the early 1980s, of monetary policy frameworks solidly anchored by price stability mandates, and safeguarded by independent and autonomous central bankers.
Will this crisis – which is still ongoing – have any implications for the tasks of central banks in the future?
To shed light on this question, I will, first of all, look back on the salient features of the monetary policy paradigm prevailing before the crisis. Then I will review how central banks responded in practice to the crisis, focusing on the ECB's policy actions in this regard. And finally, I will discuss whether certain aspects of the pre-crisis monetary policy paradigm need to be reassessed on the basis of the recent experience, and outline the likely challenges for central banks that lie ahead.
1. The monetary policy paradigm before the crisis
We do not know yet to what extent the pre-crisis consensus macroeconomic framework has been de-constructed by the crisis. But we do know that the 'hubris' of the intellectual paradigm on which that framework was erected has completely vanished.
Some aspects of the framework, in my view, will undoubtedly survive the crisis. One is the great and increasingly shared emphasis on central bank independence. Another is the centrality of price stability for monetary policy. These were the twin foundations of the dominant monetary policy paradigm before the crisis, and the crisis has not challenged or discredited either of them. I will return to the issue of price stability towards the end of my remarks.
Beyond these considerations, other aspects of the international consensus framework merit some careful re-evaluation. In particular, I will take this opportunity to share my thoughts on two salient features of the monetary policy paradigm as described in a number of pre-crisis studies [1].
One was complacency. The 'great moderation' of the 1990s appeared to have inflation permanently under control and conveyed the impression that the monetary policy battles of yesteryear had been won once and for all. This sense of security was highly consequential. Some observers thought that monetary policy had a greater freedom to turn to other purposes, notably short-term demand management.
Policy practitioners of this view referred to this as 'fine-tuning' [2]. The theoretical counterpart to this was a form of 'flexible inflation targeting' with an added emphasis on output stabilisation beyond inflation stabilisation.
Simplifying, one can express the inflation targeting policy advice in two main precepts. First, look at inflation and output gap forecasts as summary statistics of the state of the economy. Second, fine-tune the policy instrument so that inflation forecasts – whatever the nature of the shocks that might have caused them – are stabilised, and output volatility is minimised, at a pre-set horizon through a given interest rate path.
It is easy to conceive of economic conditions in which these prescriptions induce destabilising action on the side of monetary policy. Indeed, limiting the information set to inflation and output gap forecasts can be highly misleading. One reason for this has been known for a long time: output gaps are ill-defined objects and are subject to a great deal of measurement error. An imperfectly understood concept which – in addition – is statistically very imprecisely measured is not a reliable indicator for guiding policy.
Paradoxically, with its focus on the output gap, pre-crisis consensus macroeconomics ran full circle back to the intellectual climate of the 1970s, the same climate that had favoured the Great Inflation. The major policy failures of the 1970s were largely due to policymakers' exaggerated real-time measures of economic slack.
The second distinctive feature of the pre-crisis monetary policy paradigm stemmed from a complete under-appreciation of the role of money and credit indicators in the conduct of monetary policy. Liquidity and money lie at the core of the ECB's second pillar. But they were at best ignored, at worst 'derided', as redundant and unnecessary complications by mainstream modellers before 2007.
The crisis has shown that liquidity and various definitions of money are critical links in the transmission mechanism. Far from showing a lack of theoretical foundations in the ECB's strategy, the crisis has exposed the incompleteness of the transmission mechanism in the reference model.
But disregard for monetary and financial phenomena had another implication. It found a clear counterpart and theoretical underpinning in the risk management approach to asset price trends. The consensus view in pre-crisis times was that the best thing that central banks could do was to 'clean-up' following the bursting of a bubble by loosening the monetary policy stance.
I do not need to underline how this approach can turn into a formidable multiplier of market turbulence. The expectation that the central bank will aggressively protect the markets from 'tail events' in bad times can encourage – and did encourage, in my view – markets' tendency to opt for risky strategies, over-exposures and exuberance.
In summary, there was an inherent contradiction in some of the salient features of the pre-crisis monetary policy paradigm. On the one hand, central bank policy 'activism' was seen as justified in order to help with short-term output stabilisation purposes. Yet activism did not apply to financial risks except in an entirely ex post fashion: proponents of policy 'activism' saw no merit in a central bank's ex ante intervention to stem asset price developments, arguing that the policy interest rate was too blunt a tool to contain potential bubbles.
2. Central bank response to the crisis and 'the new normal'
The central bank response to the crisis, by any metric, has been unprecedented. When tensions in the interbank market emerged in the euro area and elsewhere in August 2007, the ECB reacted swiftly by providing de facto unlimited overnight liquidity to limit euro area banks' liquidity risk.
As the tensions morphed into a large-scale crisis of confidence in October 2008, the ECB responded with a mix of standard and non-standard monetary policy actions to foster financing conditions and enhance its credit support to the euro area economy, all with a view to maintaining price stability.
The standard measures essentially entailed a steep reduction of the main refinancing rate to a historical low of 1% over a seven-month period (October 2008 – May 2009). This was done in reaction to the weak economic environment and the associated change in the inflation outlook.
The non-standard measures included granting banks unlimited access to central bank liquidity against an extended range of collateral with the possibility for banks to borrow liquidity at a broader spectrum of maturities, of up to 12 months. The ECB also intervened directly in some market segments that were dysfunctional, namely the covered bonds market. This was deemed important for the long-term financing of banks.
In May 2010 the financial crisis took a different direction; markets started to question the sustainability of public finances in parts of the euro area. In response, the ECB intervened in some debt securities markets, in order to prevent large and important segments of the securitised credit market seizing up and obstructing monetary policy transmission. These interventions have been limited in size, and their impact on liquidity creation has been fully sterilised.
Overall, the non-standard measures have been adopted with a view to ensuring the transmission of low policy rates to the euro area economy. They have been tailored to the specific financial structure of the euro area economy, whose financing to a large extent relies on banks. These measures are fully in line with the ECB's price stability objective.
In this regard, the approach chosen by the ECB and the Eurosystem differs from that of other major central banks which embarked on large-scale unconventional measures to replace, rather than complement, standard actions, after those standard actions – changes in the policy interest rate – had reached their lower limit. In this respect, the ECB's non-standard response does not qualify as a form of quantitative easing or credit easing.
Non-standard monetary policy measures are an extraordinary response to exceptional circumstances. They are, by construction, temporary in nature. Looking ahead, a return to a more normal liquidity management and to a more moderate scale of central bank intermediation is warranted to avoid distortions in financial incentives with longer-term adverse consequences for the economy. The ECB started in fact to phase out a number of non-standard measures back in late 2009.
The maintenance of price stability over the medium term guides all monetary policy decisions. In this respect, the macroeconomic and financial landscape has fundamentally changed and the monetary policy stance has become more accommodative than at the peak of the crisis.
As with the phasing-in of non-standard measures, there are no pre-defined steps between phasing them out and exiting from very low policy interest rates. Non-standard measures can in fact co-exist with any interest rate level. The ECB will adjust its policy interest rates and its provision of liquidity at a pace and to a degree commensurate with the evolution of risks to price stability and as appropriate to maintain an orderly and functional monetary policy transmission.
A number of key principles, which served the ECB well both before and during the crisis, will continue to underlie the post-crisis 'steady state' design of the ECB's operational framework. These principles are: operational efficiency, a strong market orientation, simplicity and transparency, and equal treatment of our counterparties.
[In line with these principles, the ECB equipped itself with a broad operational framework from the outset, including the eligibility of a large number of counterparties and a wide set of collateral in refinancing operations. At the same time, the post-crisis operational framework also needs to be designed in a way that contributes to shaping a healthy banking sector, even if proper incentives should essentially come from sound regulation and supervision].
3. The future of central banking and main challenges ahead
What are the desirable features of a post-crisis 'steady state' monetary policy framework? On this subject, I would like to make a number of points.
As I mentioned already, the 'core' elements of the monetary policy paradigm have emerged from the crisis unscathed. I firmly believe that price stability is the best contribution that monetary authorities can make to overall economic welfare. Price stability should remain the primary task and the key 'deliverable' for central banks in the period ahead.
If anything, the crisis has reaffirmed the importance of having a clearly defined objective for price stability, not least by contributing to the anchoring of expectations during periods of turbulence, when otherwise the private sector would become disoriented.
Central bank independence under a specific mandate together with transparent communication policies will continue to be instrumental in the pursuit of price stability by monetary authorities.
Other aspects of the pre-crisis monetary policy paradigm need to be carefully re-examined.
The crisis should mark a clean break with short-termism and 'fine-tuning' demand management by monetary authorities. An insufficient medium-term orientation and a systematic asymmetry in responding to shocks – with downside risks to the economy always receiving a greater weight in central bankers' 'policy preferences' than upside risks to price stability – all of this contributed to the build-up of financial imbalances in some advanced economies.
The sudden unwinding of these imbalances set in motion the chain of events which we now call 'the crisis'. Greater medium-term orientation in monetary policy frameworks would have made the events which followed less severe.
Monetary data are critical as indicators of risks that are slow to appear elsewhere, for example, in inflation forecasts or in measures of output gaps. Monetary analysis at the ECB has consistently sent early signals that risk was broadly under-priced, when inflation was quiescent and measures of slack were moderate.
Incorporating monetary phenomena in the policy framework inspires a sort of 'leaning-against-the wind' stance which can help smooth financial cycles and stabilise the economy in the medium term. Coupled with the inescapable fact that inflation is a monetary phenomenon in the long term, this is a powerful reason to redress the under-appreciation of monetary and credit variables in policy frameworks characteristic of the policy paradigm in the run-up to the crisis.
The crisis has shown that central banks have powerful instruments at their disposal to effectively respond to extraordinary situations without compromising their ultimate objective.
However, this does not mean that monetary policy is liable to be subordinated to financial stability concerns. The ECB is well aware of the possibility of monetary policy being 'contaminated' by financial stability considerations. Monetary policy – even in crises and, I would say, particularly in crises – is about lending temporarily to solvent institutions. Lending to institutions which have long-lasting, structural funding and equity problems is the responsibility of the fiscal authority.
The limits to what monetary policy could and should credibly do are both conceptual and practical: monetary authorities cannot be expected to solve issues which lie well outside their official remit.
There are two sides to this simple truth, one concerning financial regulation and one broad economic management.
On the financial side, the ECB has a major stake in the quest for financial stability – but the authority lies elsewhere. Basel III is a very important step in the right direction, as it should provide for higher minimum capital requirements and better risk capture by financial institutions. But in addition to the progressive roll-out of this framework and its incorporation into domestic law, the treatment of systemically important financial institutions and risk capture by the shadow banking sector remains to be addressed. It is important to achieve a level playing field in these areas and that bodies such as the Financial Stability Board continue to work to accomplish such an objective. Market regulation on, for example, over-the-counter instruments, alternative investment vehicles and ratings agencies is also an issue in this context.
On the economic side, at the European level, the key challenge is to bring the 'economic' part of E-M-U up to speed with the 'monetary' part. The crisis has shown that the overall system of economic governance was in need of fundamental reform.
Pro-cyclicality was not confined to monetary policy before the crisis. Actually, too many economies in the euro area entered the acute phase of the financial crisis with insufficient room for manoeuvre, because they had not behaved counter-cyclically before. Policy hyper-activism was another feature of fiscal policy management before the crisis, and the crisis exposed it in a spectacular way.
European leaders have responded by taking a number of important steps to remedy the situation, including measures to improve economic policy coordination in budgetary decisions, such as the so-called 'European Semester'. A new macroeconomic surveillance framework will be established in order to check deviant behaviour at an early stage. The Stability and Growth Pact (SGP) will also be reformed to enhance the surveillance of fiscal policies and apply enforcement measures at an early stage.
In addition to these EU-wide proposals at the legislative level, a separate pact (the Euro Plus Pact) has been drawn up by the euro area countries and several other EU Member States in order to redress competitiveness differences, thereby further strengthening the economic pillar of EMU.
These measures, once fully operational, would certainly improve the economic governance of the euro area. But strict implementation is key, so that the concept of 'effective peer review' in the Union regains credibility among market participants and the public.
The ECB regards the reforms made to the macroeconomic and budgetary surveillance framework as not ambitious enough: they appear to leave room for discretion by Member States to escape sanctions in the event of non-compliance. More automaticity in this regard would be preferable.
4. Conclusion
In conclusion, I believe that the crisis has exposed a couple of shortcomings in the monetary policy paradigm: policy frameworks are insufficiently medium term-oriented, and the role of monetary variables in this context is underappreciated.
But the core elements of the paradigm, including central bank independence and policies decisively oriented towards the maintenance of price stability, remain pertinent for the period ahead.
Central banks have taken unprecedented steps to safeguard this overriding objective during the crisis. Looking ahead, it is up to other key stakeholders in the global financial and economic system to live up to their collective responsibilities and mandates in order to avoid any repetition of past mistakes.
[1] See, for example, Goodfriend, M. (2007) How the World Achieved Consensus on Monetary Policy, Journal of Economic Perspectives 21 (4), pp. 47-68; and Woodford, M. (2008), Convergence in Macroeconomics: Elements of the New Synthesis, paper presented in the session "Convergence in Macroeconomics?", annual meeting of the American Economic Association, January 2008.
[2] See Blinder, A.S. and Reis, R. (2005), Economic Performance in the Greenspan Era: The Evolution of Events and Ideas, paper presented at the Federal Reserve Bank of Kansas City Symposium on 'Rethinking Stabilization Policy', Jackson Hole, Wyoming.
See, for example, Goodfriend, M. (2007) How the World Achieved Consensus on Monetary Policy, Journal of Economic Perspectives 21 (4), pp. 47-68; and Woodford, M. (2008), Convergence in Macroeconomics: Elements of the New Synthesis, paper presented in the session "Convergence in Macroeconomics?", annual meeting of the American Economic Association, January 2008.
See Blinder, A.S. and Reis, R. (2005), Economic Performance in the Greenspan Era: The Evolution of Events and Ideas, paper presented at the Federal Reserve Bank of Kansas City Symposium on 'Rethinking Stabilization Policy', Jackson Hole, Wyoming.
European Central Bank
Directorate Communications
Press and Information Division
Adauga un comentariu
Adauga un comentariu folosind contul de Facebook
Alte stiri din categoria: Noutati BCE
BCE va mentine la 0% dobanda de referinta pentru euro cel putin pana la finalul lui 2019
Banca Centrala Europeana (BCE) a decis astazi sa mentina dobanda de referinta pentru zona euro la 0%, precizand ca acest nivel va ramane nemodificat cel putin pana la finalul acestui an, in conditiile incetinirii cresterii economice si a unei inflatii de 1,5%, sub tinta de 2%. In acelasi detalii
ECB: Insights into the digital transformation of the retail payments ecosystem
"An idea that is not dangerous is unworthy of being called an idea at all." The above quote by Oscar Wilde resonated throughout the conference that the European Central Bank and the Banca d'Italia hosted on 30 November and 1 December 2017 in Rome. Entitled detalii
ECB introductory statement on Governing Council decisions
Mario Draghi, President of the ECB,
Vítor Constâncio, Vice-President of the ECB,
Frankfurt am Main, 14 December 2017 INTRODUCTORY STATEMENT Ladies and gentlemen, the Vice-President and I are very pleased to welcome you to our press detalii
Speech by Mario Draghi, President of the ECB: Sustaining openness in a dynamic global economy
Sustaining openness in a dynamic global economy Speech by Mario Draghi, President of the ECB, at the Economic Policy Symposium of the Federal Reserve Bank of Kansas City, Jackson Hole, 25 August 2017 The global recovery is firming up. In some countries detalii
- Deciziile de politica monetara ale BCE
- Mario Draghi, President of the ECB: Introductory statement to the press conference (with Q&A)
- Mario Draghi: Security through unity - making integration work for Europe
- Mario Draghi, President of the ECB - Introductory statement to the press conference (with Q&A)
- ECB: Account of the monetary policy meeting
- Mario Draghi, President of the ECB: statement to the press conference (with Q&A)
- Mario Draghi: The state and prospects of the euro area recovery
- Mario Draghi, President of the ECB: Introductory statement to the press conference (with Q&A)
- Mario Draghi answers to the ECB press conference
- Mario Draghi: Introductory statement to the press conference
Curs valutar
1 EUR = 4.7627 lei
1 USD = 4.2726 lei
Profil de BancherToate Profilele
Asociatia Romana a Bancilor (ARB)Toate stirile
Topuri Banci
- Topul bancilor dupa active in 2017
- Topul bancilor cu cele mai mici comisioane la contul curent cu card si online banking
- Topul bancilor dupa active in 2016
- Topul bancilor dupa active in 2015
- Topul bancilor dupa active in 2014
- Asociatia Pietelor Financiare respinge acuzatiile de manipulare a ROBOR de catre banci
- ROBOR-ul reactioneaza la restrictiile de creditare ale BNR
- Roborul profita de Isarescu
- ROBOR la 6 luni - evolutie istorica
Taxa bancara
- Noul ROBOR se va aplica automat la creditele noi si prin refinantare la cele in derulare
- Taxa bancara ar putea fi redusa de la 1,2% la 0,4% la bancile mari si 0,2% la cele mici, insa bancherii avertizeaza ca indiferent de nivelul acesteia, intermedierea financiara va scadea iar dobanzile vor creste
- Raiffeisen anunta ca activitatea bancii a incetinit substantial din cauza taxei bancare; strategia va fi reevaluata, nu vor mai fi acordate credite cu dobanzi mici
- Tariceanu anunta un acord de principiu privind taxa bancara: ROBOR-ul ar putea fi inlocuit cu marja de dobanda a bancilor
- BNR a trimis Guvernului studiul de impact al taxei bancare, cu patru scenarii: creditarea si PIB-ul scad, dobanzile si cursul cresc, ratingul de tara este in pericol de a cadea in categoria junk
Statistici BNR
- Creditele noi acordate de banci au crescut in februarie, dupa cinci luni consecutive de scadere
- Numarul restantierilor din Biroul de Credit urca la cel mai ridicat nivel din ultimele sase luni
- Cate credite noi in euro au acordat bancile in 2017
- Statisticile creditelor acordate de banci populatiei (decembrie 2017)
- Statisticile creditelor acordate de banci firmelor (decembrie 2017)
- OUG 51 din 1997 actualizata privind operatiunile de leasing
- Ordonanta de urgenta nr. 99/2006 privind institutiile de credit si adecvarea capitalului, cu modificari si completari
- Ordonanta de Guvern nr. 21/1992 privind protectia consumatorilor (versiune actualizata)
- Regulament BNR privind institutiile emitente de moneda electronica
- Ordonanta de Urgenta (OUG) nr. 50 din 2010 privind contractele de credit pentru consumatori, actualizata
Anunturi banci
- Libra Bank ofera o platforma de open banking pentru firmele de contabilitate, care pot prelua extrasele de cont ale clientilor
- Clientii ING cu telefoane in retelele Vodafone si Orange nu pot accesa aplicatia Home Bank si nu pot face plati online si la POS (actualizat)
- Raiffeisen a lansat platforma de aplicatii tip open banking conform PSD2
- BRD nu mai plateste cec-uri in valuta si nu mai efectueaza operatiuni prin telefon
- BRD retrage din oferta cecurile in valuta si operatiunile prin contact center
Analize economice
- Decizia Standard&Poors (S&P) din 15 martie 2019, in care a mentinut ratingul Romaniei la BBB- cu perspectiva stabila
- Beyond LIBOR: a primer on the new benchmark rates
- Inflatia din Ungaria este 2,7%, cu o dobanda de politica monetara de 0,9%
- PIB-urile Ungariei si Poloniei au crescut mult mai mult decat cel al Romaniei in 2018
- Inflatia din Cehia a crescut la 2,5%
Lege plafonare dobanzi credite
- BNR propune Parlamentului plafonarea dobanzilor la creditele bancilor intre 1,5 si 4 ori peste DAE medie, in functie de tipul creditului; in cazul IFN-urilor, plafonarea dobanzilor nu se justifica
- Legile privind plafonarea dobanzilor la credite si a datoriilor preluate de firmele de recuperare se discuta in Parlament (actualizat)
- Legea privind plafonarea dobanzilor la credite nu a fost inclusa pe ordinea de zi a comisiilor din Camera Deputatilor
- Senatorul Zamfir, despre plafonarea dobanzilor la credite: numai bou-i consecvent!
- Parlamentul dezbate marti legile de plafonare a dobanzilor la credite si a datoriilor cesionate de banci firmelor de recuperare (actualizat)
Biroul de Credit
- Site-ul Birouldecredit.ro are probleme de functionare
- Intrebari frecvente despre Biroul de Credit
- Lista bancilor si IFN-urilor care-si raporteaza clientii la Biroul de Credit
- Cum pot fi sters din Biroul de Credit?
Ministerul Finantelor
- ROBOR-ul va fi inlocuit cu IRCC si la creditele Prima Casa
- Ministerul Finantelor spune ca este in plan cu necesarul de finantare pentru 2018, de 72 miliarde lei
- Termenul de depunere a declaratiei unice a fost prelungit pana la 31 iulie
- Romanii au cumparat titluri de stat Centenar in valoare de 786 milioane lei
- Populatia poate cumpara titluri de stat cu dobanda de 5%, de la Trezorerii sau Posta
- Decizia Curtii de Apel Bucuresti in procesul dintre Curtea de Conturi si Ministerul Dezvoltarii privind bancile pentru locuinte
- Hotararea Curtii de Apel Bucuresti de suspendare a deciziei Curtii de Conturi impotriva Raiffeisen Banca pentru Locuinte
- First Bank castiga definitiv un proces cu Protectia Consumatorilor privind restabilirea echilibrului contractual
- Jurisprudenta: clauzele privind rambursarea creditului in CHF la cursul de la data fiecarei rate fac parte din obiectul esential al contractului si nu pot fi calificate ca fiind abuzive
- Clauze abuzive in contractele de credit ale Piraeus Bank (decizie definitiva a judecatorilor)
Stiri economice
- Vodafone a fost amendata si somata de ANPC sa nu scumpeasca abonamentele
- Cresterea ROBOR si situatia economica incerta a afectat increderea consumatorilor, arata un studiu GfK
- Enel vrea sa-si treaca clientii pe piata libera
- Oamenii reclama ca nu pot cumpara titluri de stat Centenar la Posta prin transfer bancar sau card, ci doar cu numerar
- Vodafone si Orange, amendate de ANCOM pentru ca si-au suprataxat clientii pentru convorbirile roaming in strainatate
Calculator de crediteToate stirile
- Pretul caselor, in scadere cu 0,7%, conform Eurostat
- Numarul fimelor active din Romania, conform statisticilor Registrului Comertului
- Evolutia istorica a cresterii anuale a Produsului Intern Brut (PIB), conform datelor Institutului National de Statistica (INS)
- Evolutia istorica a valorii Produsului Intern Brut (PIB), conform datelor Institutului National de Statistica (INS)
- Transferurile de bani ale romanilor din strainatate au ajuns la 2,1 miliarde euro anul trecut, conform statisticilor Eurostat
- Programul Prima Casa 2019 a fost lansat, bancile pot acorda credite ipotecare de 4 miliarde lei, cu avans de 5% si dobanda de 5,28%
- Angajatii FNGCIMM luau mita pentru urgentarea dosarelor Prima Casa
Noutati BCE
- BCE a publicat avizul privind taxa bancara
- BCE va mentine la 0% dobanda de referinta pentru euro cel putin pana la finalul lui 2019
- ECB: Insights into the digital transformation of the retail payments ecosystem
- ECB introductory statement on Governing Council decisions
- Speech by Mario Draghi, President of the ECB: Sustaining openness in a dynamic global economy
Noutati EBA
- EBA publishes 2018 EU-wide stress test results
- EBA launches 2018 EU-wide transparency exercise
- EBA issues first binding mediation decision between the SRB and the NBR
- Asset repricing, cyber-attacks and Brexit are key risks for EU financial markets, shows ESA report
- EBA publishes its Roadmap on FinTech
Noutati FGDB
- Peste 80% din depozitele bancare sunt garantate
- Depozitele bancare nu intra in campania electorala
- FGDB explica modul de aplicare a procedurii de recapitalizare interna a unei banci cu depozitele negarantate ale clientilor (bail-in)
- Valoarea depozitelor garantate de FGDB a crescut cu 50 miliarde lei in ultimul an, la 221 miliarde lei in total
- FGDB aminteste ca toate conturile si depozitele din bancile romanesti sunt garantate in limita a 100.000 de euro
Noutati FMI
- FMI: majorarea salariilor din sectorul public si legea pensiilor ar trebui reevaluate
- IMF statement of the 2018 Article IV Mission to Romania
- Jaewoo Lee, new IMF mission chief for Romania and Bulgaria
- IMF concludes article IV consultation with Romania
- IMF statement on the stability of the banking system in Ukraine
Noutati BERD
- BERD dezvaluie cat a platit pe actiunile Piraeus Bank
- ING Bank si BERD finanteaza parcul logistic CTPark Bucharest
- EBRD hails Moldova banking breakthrough
- Banca Transilvania and EBRD become majority shareholders of Victoriabank in Moldova
- BERD devine actionar Agricover Holding
Noutati Federal Reserve
- Federal Reserve urca dobanda la 2,25%
- Federal Reserve decided to maintain the target range for the federal funds rate at 1-1/2 to 1-3/4 percent
- Federal Reserve majoreaza dobanda de referinta pentru dolar la 1,5% - 1,75%
- Federal Reserve issues FOMC statement
- A Challenging Decade and a Question for the Future (speech by Janet Yellen, The Fed chair)
Mobile banking
- BT si ING anunta platile cu telefoanele mobile iPhone prin aplicatia Apple Pay
- Probleme cu functionarea aplicatiilor online banking ale Raiffeisen Bank
- Aplicatia Home Bank a ING a avut din nou probleme de functionare
- Probleme la Unicredit cu functionarea aplicatiilor de mobile banking si online banking
- Cardul de masa BT poate fi inregistrat in BT Pay, pentru platile cu telefonul
Noutati BEI
- BEI a redus cu 31% sprijinul acordat Romaniei in 2018
- Romania implements SME Initiative: EUR 580 m for Romanian businesses
- European Investment Bank (EIB) is lending EUR 20 million to Agricover Credit IFN
Noutati Comisia Europeana
- State aid: Commission refers Romania to Court for failure to recover illegal aid worth up to €92 million
- Comisia Europeana publica raportul privind progresele inregistrate de Romania in cadrul mecanismului de cooperare si de verificare (MCV)
- Infringements: Commission refers Greece, Ireland and Romania to the Court of Justice for not implementing anti-money laundering rules
- Council of the European Union statement on Bulgaria path towards ERM II participation
- Romania, pe ultimul loc in Europa la digitalizare
Noutati BVB
- Banca Transilvania plateste un dividend brut pe actiune de 0,17 lei din profitul pe 2018
- Obligatiunile Bancii Transilvania se tranzactioneaza la Bursa de Valori Bucuresti
- Obligatiunile Good Pople SA (FRU21) au debutat pe piata AeRO
- BVB avertizeaza doua firme ca nu si-au respectat obligatiile de raportare
- Raiffeisen Centrobank (RCB) a lansat produse de investitii tip warrant la BVB
Institutul National de Statistica
- Salariul mediu net pe economie a crescut cu 12% in 2018
- Inflatia creste iar la 5,1% in august
- Salariul mediu net si brut pe economie si categorii CAEN
Ultimele Comentarii
Muncesc în Belgia, cu salar de 3000€ am părinții cu pensii în România, se poate obține un ... detalii
neacordarea primei de stat
Am fost atras de incheierea unui astfel de contract in primavara anului 2014, determinat tocmai de ... detalii
Ștergere biroul de credit
Buna ziua.Ce trebuie sa fac sa nu mai fiu in biroul de credit?Am achitat la o firma de recuperare ... detalii
Ștergere biroul de credit
Buna ziua.Ce trebuie sa fac sa nu mai fiu in biroul de credit?Am achitat la o firma de recuperare ... detalii
Ștergere biroul de credit
Buna ziua.Ce trebuie sa fac sa nu mai fiu in biroul de credit?Am achitat la o firma de recuperare ... detalii

subset: commoncrawl


text:
Join the Mosaic Templars Cultural Center for a festive and fun day full of holiday cheer! The fun runs from 2pm util 5pm.
This year's event will feature the 5th annual "Say It Ain't Say's" sweet potato pie contest, in honor of Little Rock's black Santa, Robert "Say" McIntosh. They will live entertainment, fun activities for kids and the opportunity to browse our current exhibits.
You and our panel of celebrity judges will determine who has the best sweet potato pie in Central Arkansas.
Tthe Holiday Open House will feature performances by comedian Nate Williams, Tania and Tamia Kelley, Mablevale Elementary Drumline, Gloryland Pastor's Choir, Mablevale Magnet Middle School Dance Team, Horace Mann Magnet Middle School Dance Ensemble, Latavia Franklin and Shereece Manuel aka Shades of Diamondz.
This year, a trolley will be available to take guests to two other Department of Arkansas Heritage Museums located in downtown Little Rock: Old State House Museum and Historic Arkansas Museum. The trolley route will also include the Governor's Mansion Open House.
For more information call 501-683-3620.


text:
Day by day
If the Infinite Being is trying to express its own nature within the limitations of this earth--and therefore trying to express itself through us, too--it is our highest duty to search for and cultivate our diviner attributes. Only in this way do we really fulfil ourselves. This search and this cultivation constitute the Quest.220.127.116.11
• Listen2 Jul 2015
The object which the senses directly establish contact with is regarded as one thing; the mental impression they have when thinking of that object is regarded as another and totally different thing ... But if you analyse the way you perceive objects you will find that both the perceiver and the perceived are inseparable in the act of perception. You cannot show a duality of idea and thing but only a unity of them.18.104.22.168, Excerpt
• Listen9 Jul 2015
Every negative thought and base desire is an obstacle to the attainment of the higher consciousness. This is why the Long Path's work is needed, for it is intended to remove all such obstacles. How can one invite that Consciousness to dwell in a body enslaved by lusts, or in a mind darkened by hates?126.96.36.199
• Listen15 Jul 2015
If illumination does not become permanent, if it does not stay with its host, that is because it does not find a proper place within him for such abiding stay. His heart is still too impure, his character still too imperfect for the consciousness of the Overself to associate constantly with him.18.104.22.168
• Listen17 Jul 2015
The World-Mind eternally thinks this universe into being in a pulsating rhythm of thought and rest. The process is as eternal as the World-Mind itself. The energies which accompany this thinking are electrical. The scientists note and tap the energies, and ignore the Idea and the Mind they are expressing.188.8.131.52
• Listen19 Jul 2015
The processes and procedures of the Long Path require time. But the Overself is outside of time. To identify yourself with them is to shut yourself out from it. It is consequently needful when a certain point is reached--either in experience or in preparation or in understanding--to abandon the Long Path and take to the Short Path, with its emphasis on living in the Eternal Now.184.108.40.206
• Listen20 Jul 2015
A mystic experience is simply something which comes and goes, whereas philosophic insight, once established in a man, cannot possibly leave him. He understands the Truth and cannot lose this understanding any more than an adult can lose his adulthood and become an infant.220.127.116.11
• Listen22 Jul 2015
It is all like a gigantic dream, with every human inserting his own private dream inside the public one. A double spell has to be broken before reality can be glimpsed--the spell which the world lays upon us and that which self lays upon us. The man who has completely awakened from this spell is the man who has gained complete insight. This faculty is nothing other than such full wakefulness. It is immensely difficult to attain, which is why so few of the dreamers ever wake up at all and why so many will not even listen to the revelations of the awakened ones. However, Nature teaches us here as elsewhere not to let patience break down. There is plenty of time in her bag. Life is an evolutionary process. Men will begin to stir in their sleep erratically but increasingly.126.96.36.199
• Listen23 Jul 2015
Testimony to the existence and reality of the glimpse will be found in the literatures of all peoples through all times. It is not a newly manufactured idea, nor a newly manufactured fancy. A man who denies it is foolish so to limit his own possibilities, but he may learn better with time.18.104.22.1683
• Listen26 Jul 2015
It would be wonderful if everyone, everywhere, could slip so easily into the kingdom of heaven, and just as easily stay there forever. But alas! the facts of human nature forbid it. People require teaching, training, purifying, disciplining, and preparing, before they can do so. And the course needed is a lifetime's, the work needed much and varied. That is why the Long Path is needed.184.108.40.206
• Listen31 Jul 2015
The notebooks are copyright © 1984-1989 The Paul Brunton Philosophic Foundation
This site is run by Paul Brunton-stiftelsen · firstname.lastname@example.com


text:
The Neolithic Origins of Contemporary Variations in Life Expectancy
40 Pages Posted: 28 Oct 2007 Last revised: 14 Mar 2008
Date Written: October 26, 2007
This research advances an evolutionary theory and provides empirical evidence that shed new light on the origins of contemporary differences in life expectancy across countries. The theory suggests that social, economic and environmental changes that were associated with the Neolithic Revolution affected the nature of the environmental hazards confronted by the human population, triggering an evolutionary process that had a significant impact on human longevity. The empirical analysis shows that a significant portion of contemporary variations in life expectancy across countries can be traced to the differences in the time passed since the ancestors of the population of each country experienced the Neolithic Revolution.
Keywords: Life Expectancy, Growth, Technological Progress, Evolution, Natural Selection, Malthusian Stagnation
JEL Classification: I12, J13, N3, O10
Suggested Citation: Suggested Citation


text:
Sea Shepherd Global is on the front lines in Africa , working with local authorities and regional partners to combat one of the biggest threats to marine wildlife today: illegal, unreported, and unregulated (IUU) fishing. Read more to learn about our direct-action campaigns.
Combatting Illegal Fishing in Liberia, West Africa
Protecting dolphins on France's Atlantic Coast
Fighting illegal fishing in Gabon, West Africa.
Combatting illegal fishing in Tanzania
Sea turtle defense on the French island of Mayotte
A Campaign to Stop Adani in the Great Barrier Reef
Join Sea Shepherd to help save the oceans
Fighting illegal shark fishing in East Timor
Defending harbor porpoises in the Baltic Sea
The next step in fighting illegal whaling
Defending the Great Australian Bight
Pilot Whale Defense Campaign in the Faroe Islands
Sea turtle defense in the Mediterranean Sea
Defending the Plemmirio Marine Reserve in Italy
Our 11th Antarctic Whale Defense Campaign
Join the global dive community making a difference
Chasing down a notorious poaching fleet
Shutting Down a Fleet of Illegal Driftnetters
Sea Shepherd Tattoo in Amsterdam
Partnerships to Protect Africa's Marine Wildlife
Get Involved


text:
Denise Silk-Martelli
What of the future?
Of tomorrow?
Contact with aliens?
Little green men?
I doubt it.
Perhaps a more evolved community
Perhaps a more evolved consciousness
That doesn't pollute its environment
Rage war against its own
And who, tomorrow,
May get in touch
To teach us a thing or two
About life
Or death.
Denise Silk-Martelli is a 55-year-old primary school teacher from New Zealand, who has published a children's book and had two articles published in the New Zealand School Journal. She has also had two short stories published in magazines. Denise loves poetry for its instant impact.
Edited by Sophie Petrie


text:
Glamoureuse beauté hongroise prise dans un trio FFMLana Belle & Lilien Ford & Ricky Rascal
ONLY AVAILABLE INSIDE #LETSDOEIT EXCLUSIVEobtenez accès complet maintenant
Ricky Rascal se fait allumer par une belle rousse et sa copine blonde, Lana Belle et Lilien Ford avant de les prendre chacune leur tour en levrette.
Ricky Rascal se fait allumer par une belle rousse et sa copine blonde, Lana Belle et Lilien Ford avant de les prendre chacune leur tour en levrette.
Catégories: Blonde, Ejaculation Faciale, Européenne, Fetichisme, Grosse Queue, Hardcore, Pipe, Rousse, Sextoy, Triolisme, Videos Porno HD
Stars du porn : Lana Belle & Lilien Ford & Ricky Rascal
Tags: Art, Couverte de Sperme, Erotique, Fantaisie, Hongroise, Modèles qui Baisent, Porno HD, Pornstar Européenne, Pour les Couples, Sensuel, Sexe Oral, The White Boxxx
Galerie de photos
This website contains age-restricted materials. If you are under the age of 18 years, or under the age of majority in the location from where you are accessing this website you do not have authorization or permission to enter this website or access any of its materials. If you are over the age of 18 years or over the age of majority in the location from where you are accessing this website by entering the website you hereby agree to comply with all the TERMS AND CONDITIONS. You also acknowledge and agree that you are not offended by nudity and explicit depictions of sexual activity.
By clicking on the "Enter" button, and by entering this website you agree with all the above and certify under penalty of perjury that you are an adult.
Letsdoeit is your one-stop shop for the best exclusive teen, milf, anal, creampie and big tits porn videos. We update regularly with exclusive sex videos featuring the top pornstars in the world.
If you're looking for the hottest pornstars around, then Letsdoeit.com is where you need to be. We host tons of HD porn videos with the biggest pornstar names in the adult industry. Letsdoeit specializes in localization and brings to you the best german porn, french porn, spanish porn, italian porn and even the cream of the crop in tranny porn. You'll be shocked by the top notch teen porn, juicy creampies, and hardcore anal full scenes we produce...let's no forget those big round natural big boobs and round butts. If that wasn't enough, Letsdoeit also focuses in the most sought after categories such as sexy milfs, tight pussies taking on big dicks and the hottest lesbian premium porn. Try out our newest and hottest XXX movies today! Voted 3 years in the row as THE MOST PREMIUM PORN NETWORK IN THE INDUSTRY, we are the new sheriff in town! Come see what all the hype is about, we dare you...no no, we double dare you! From Latinas to innocent little french redheads; from college schoolgirls to sexy lost tourists, we got something for everyone. We take porn seriously and aim for perfection when it comes to producing our world renowned XXX films, so let's come together and #Letsdoeit! The best porn site around, period.


text:
Philosophy and Oath
Ask Doc Eva
Long before she enrolled in Bastyr University of Naturopathic Medicine, she attended lectures and workshops, and began collecting articles and information on natural healing. She realized that information is power, and her desire was and continues to be to empower people with information.
While still in naturopathic medical school, she began writing articles and offering public lectures on health-related topics. She went on to write many more articles for national and international magazines, wrote and published two books, and appeared on television and radio programs.
Dr. Urbaniak has been in alternative primary patient care for these last twenty years; she established her own healing center in 1997, and has had a great deal of experience in helping people get well and stay well. The development of this website, and her dream of helping to empower people with solid and dependable information about natural healing is now a reality.
The doctor invites you to read the articles posted on this website and wishes you to be empowered by the information provided.
© 2003-2018. All trademarks and registered trademarks are property of their respective owners.


text:
Newberry Nations Park opens in Twenty Days !
Are you visiting us for an upcoming tournament? This is THE location to find out all about the Newberry area. We have pages of sponsors listed, and we will have more articles over the next 20 days on the information that you are looking for. Newberry FL, just a few miles north of the Nations Ball Field Complex , has some great restaurants, an art gallery, tourism center and shopping for your needs while you are at the ball field. Write to us below if you find you need anything specific that we can be of assistance with, or stop downtown when you are here at the Newberry Fire House Art Gallery and Tourism Center for local information. Simply head North as you depart the ball field to discover our quaint little historic town of Newberry FL. (Left on State Road 45, also Known as route 27/41.) More information here so stay tuned. Everything you need to know if you are visiting will be posted or answered here. Resident or business in town, or want to inquire about advertising opportunities? See GoNewberry.com or write to us at firstname.lastname@example.com . Tomorrow we will will be back with where to eat in town. See you soon !


text:
Backlinking for Long Term Revenue
Article by Frankie Wills
Backlinking for Long Term Revenue – Business
Search by Author, Title or Content
Article ContentAuthor NameArticle Title
Submit Articles
Author Guidelines
Publisher Guidelines
Content Feeds
RSS Feeds
Contact Us
One of the common problems I see in internet marketing is the belief that randomly scattering links to the wind with no rhyme or reasoning will bring traffic and subsequently, revenue. Time and again, budding marketers complain that they have "done everything" and aren't making money. After all that hard work, shouldn't the traffic simply find it's way to your super-amazing-incredible site and shouldn't people be throwing money at you? If that's your mindset, and you haven't put thought behind the structure of your backlinking, you will never make enough of a steady revenue flow to call it an income. Plenty of good sites are out there, but like the proverbial tree that falls in the forest, no one will hear your sales pitch in the forest of unrelated links. This is also why programs like Scrapebox work initially it terms of bringing in traffic. After all, throwing thousands of links out at random will get some people to feign interest and check your site for a minute. After that, check your bounce and return rate and I'll bet it's declined very steadily after the initial spike in your blast.?The rationale behind a linkwheel is easy to understand. Instead of the blatant advertising by slapping your links on every blog post, every article and every bookmark, you link in a way that makes sense to the algorithm of a search engine. The algorithm is a program that determines the worthiness or value of a link, in relation to other links that lead to it directly and indirectly. Algorithms are far from stupid machines that can be scammed on a long term basis. If that were the case, they would simply be equations. Algorithms compare, contrast, evaluate and arrange links into a hierarchy. That hierarchy is mirrored in the concept of a linkwheel and I and many other successful internet marketers have used this concept to build long term, consistent revenue. If you want the quick hit, the fast money, don't bother with a linkwheel and stick to your Xrumer and Scrapebox blasts. I prefer to work hard at something in the beginning and then sit back and reap profits indefinitely.?Now, if you happen to Google the term linkwheel, you get a mess. Literally. Go try it.?Intimidated by all this information? You need not be, because linkwheels don't need to be as complicated as many would have you believe. I've tried many different versions but have always come back to the same, very tattered piece of paper I printer years ago that showed a very simple, yet effective linkwheel structure. It's the one structure I can say has worked for me, despite my best efforts to seek out a newer, "better" version. Visually, it's a mess, but implementing it isn't difficult at all.?First, you have your main site, your money site.?Next, you need to make accounts at three (or more) of the major hub or auxiliary sites like Hubpages, Squidoo, Blogger, etc.. For each hub site, make 3 pages or hubs related to the topic of your money site. Don't make this a sales pitch, make them informative. People will get to your site if you are providing them with information that has value.?The first tier, consisting of three of the hub pages, link back to your money site. That's it, no other site links directly to the money site.?The second tier of three hub pages link to the first set.?The third tier of hub pages link to the second.?Next, you'll need accounts at the major article sites like EZine, GoArticles, ArticlesBase, etc..?Write 6 articles related to your main site topic. Again, if you try to make these a sales pitch, you'll get slapped and in fact, you'll be lucky if your articles get published. If you aren't a writer, hire a decent one to do the writing. The articles that get published and get the most interest by readers tend to have 600-800 words. No lie, this is what appears to appeal to people. 400 just doesn't cut it anymore. Don't fill the articles with crap to inflate the word count either. People see right through that.?Ok, for clarity, we'll call these articles 1, 2, 3, 4, 5, and 6.?Article 1 links to a tier 1 hub.?Article 2 links to a tier 3 hub?Article 3 links to a tier 3 hub?Article 4 links to a tier 2 hub?Article 5 links to a tier 2 hub?Article 6 links to a tier 1 hub.?Always link an article to a hub that hasn't been linked to another article. In the end you should have 3 hub pages not linked to articles.?Now, make accounts at 6 or more bookmarking sites like Diigo, Stumbleupon, Digg, etc.?Bookmark each article with a different bookmark. It does help at this stage to have other people do this for you, since it seems a bit silly for you to be bookmarking your own sites. NEVER leave the details of your bookmarking to the whim of a service. Always research the hell out of keyphrases and make a comment for each bookmark that makes sense. "Very cool" just isn't going to cut it.?Finally, begin to get or do some serious backlinking to the articles, bypassing the bookmark level. Backlinks in terms of using Angela's backlink packet, or just searching out blogs and sites that are relevant to your topic. Post a meaningful comment and make a profile if necessary (but also add a comment afterwards). Do this backlinking every day, with a goal of 20 or more a day for a month or two. the more you build, the better, but you don't have to do all the backlinks in one night and you probably shouldn't (hint, hint).?That's it! That's the huge secret to getting people to your site without getting slapped and without getting banned. I have never once been slapped or had an article taken down, nor have I ever been banned. I have instead, enjoyed a slow, steady growth of traffic and subsequent revenue that followed suit.
About the Author
Saint Petersburg-born and raised Neo Baugham interests include scrapebox sailing and rock collecting. This guys inspiration stems from chilling out with his neighbours.
I'm a Internet marketing professional offering exceptional methods as well as guidelines for anybody where would like to create big bucks away from their websites. Visit my website: autoapprove list
Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author's information and copyright must be included.
Frankie Wills
Article Directory
Contact Us
Advanced Search
Privacy Statement
GoArticles.com ? 2012, All Rights Reserved.
Saint Petersburg-born and raised Neo Baugham interests include scrapebox sailing and rock collecting. This guys inspiration stems from chilling out with his neighbours.
I'm a Internet marketing professional offering exceptional methods as well as guidelines for anybody where would like to create big bucks away from their websites. Visit my website: autoapprove list
Use and distribution of this article is subject to our Publisher Guidelines
whereby the original author's information and copyright must be included.


text:
Wedding in Italy
~ Love in Trieste ~
The wedding took place at one of the estates in San Floriano del Cóllio, a commune near Trieste in Italy. Beautiful place with gorgeous view on vineyards. I'm no good with words on this one but I remember very clearly the first impression when I got there and I was telling to myself 'ok here it is, take it all in'. I'm standing on this huge lawn catching morning sun, with my camera, in Italy, holding bride's dress. Stillness on the wedding day may not sound so special but to me, as a wedding photographer, it's simply a moment of joy. Especially before everything is about to start. It was a beautiful wedding and I was so lucky to had been there. A lot of love and dancing and memorable moments!


text:
The 1987 Chevrolet Monte Carlo, Chevy's rear-drive personal-luxury car, dropped its base model and got slightly revised taillights.
The 1987 Chevrolet Monte Carlo was offered in LS and SS models. The 1987 Chevrolet Monte Carlo SS came in notchback coupe and fastback Aerocoupe versions.
The Aerocoupe was a limited-production special first seen for 1986. Only 200 were built to qualify the design for use in stock car racing. For 1987, production was somewhat less limited: a total of 6052. Standard engine in the 1987
Chevrolet Monte CarloLS was the throttle-body-injected 4.3-liter V-6, now making five more horsepower for a total of 145. It was backed by a three-speed automatic transmission.
Optional for the LS was the base 5.0-liter carbureted V-8 making 150 horsepower. It was tied to a four-speed automatic; this transmission was optional on the V-6. The 1987 Chevrolet Monte Carlo SS models again got the H.O. carbureted 5.0-liter V-8 with 180 horsepower.
The 1988 Chevrolet Monte Carlo became Chevy's sole remaining rear-drive six-passenger coupe. This was the result of Chevrolet discontinuing its full-size Caprice two-door body style after 1987.
The 1988 Chevrolet Monte Carlo changes included the addition of a four-speed automatic as standard. And the fastback Aerocoupe version of the The Chevrolet Monte Carlo SS was history. Just over 30,000 Montes were built in this swan-song season, more than half being the SS version.
After a run of some 19 years, the Monte Carlo nameplate was retired -- or should we say, granted a leave of absence. Go to the following pages to see how the name would be resurrected in the 1990s to grace a rather different sort of personal-luxury car.
Universal Combo Units
Griffin Specialties
SPAL Fans
Advanced Search
Custom Radiator Template
Part Request Form
Preferred Dealers
Submit Warranty
Customer Service
Product Catalogs
Automotive Information
Company Information
Griffin Android App


text:
Skip to content
Toggle Sidebar
Category: Awards
March 2, 2017
100 Best
Continue reading
October 26, 2016
October 26, 2016
CIDA's Woman of Vision
Continue reading
Privacy & Cookies: This site uses cookies. By continuing to use this website, you agree to their use.
To find out more, including how to control cookies, see here:
Cookie Policy


text:
Before there was the boy who lived… there was Newt Scamander. Eddie Redmayne, Colin Ferrell, Ezra Miller and Katherine Waterston and takes place seventy years before the events of the Harry Potter franchise. We follow Newt Scamander, who travels from London to New York with a magical suitcase that contains numerous supernatural creatures. However, when they escape all over the city, its up to Newt and his team to get them back, all the while a new villain named Grindelwald wreaks havoc in the streets.
I'm a huge Harry Potter fan, I've read all the books and seen the movies countless times, so I was looking forward to returning in the Harry Potter universe and I was happy too discover that David Yates and J.K. Rowling especially have not overstayed their welcome. Fantastic Beats is a lot of fun and its nice to be back in this universe once again.
Eddie Redmayne is great as Newt Scamander and while some of his comedy is a little off, he's got a lot of charisma even though he has a hard time interacting with human beings, so he gravitates more to the magical creatures he protects until he meets Jacob, an inspiring baker (who is also a no-maj, the American term for Muggle) who has no money to open his bakery and the two form a bond. Their relationship is probably the best part of this film. Their friendship is touching, sweet and it reminded me of the friendship in Harry Potter with Harry, Ron and Hermione. Dan Folger is great in this film and while his acting is a little over the top at times, he was one of the best parts of the film. Katherine Waterston was also very good as Newt's possible love interest. She was a very strong female character and her sister, played by Alison Sudol also brought levity and charm to the film and her relationship with Jacob was sweet and simply wonderful.
Colin Ferrell is fantastic in this film and his character was complex, devious and incredibly interesting and his relationship with Ezra Miller was great even though it's hard to see where it all fits in the bigger picture.
The soundtrack was great and it was nice to hear the Harry Potter theme again, from the opening logo to the end credits. It was a nice reminder of how much this world is huge and mysterious.
The designs of the creatures were great and while some of them looked a bit too CGI-ish, most looked real and you could actually buy that they existed in a real environment. However, the movie sometimes beat you over the head with it's message, since it's clear that J.K. Rowling loves animals and they sometimes get in the way of the story and it gets repetitive. The tone of the film is often in contrast with itself, where it goes from extremely light to dark to extremely light again and while I'm sure that the movies will get darker as they go along, the tone wasn't as consistent as Harry Potter and the Philosopher's Stone and if you compare both first movies of these two franchises, in my opinion the first Harry Potter is much better than the first Fantastic Beasts.
I've also had issues with the pacing. The movie often drags since it has got too many subplots and it has trouble balancing them in a coherent way. The entire orphanage plotline, where the director of the establishment Mary Lou kept telling the children that witches were walking among them since she wanted to start a witch hunt could have been removed entirely from the film. It kept bringing the film to a halt every time it was brought up. Jon Voight's character was also pointless in the film and he didn't matter to the overall narrative and his storyline was simply uninteresting and rather pointless. It reminded me of all the politics in the Star Wars prequels and how overbearing and uninteresting it was. Only time will tell if the pacing issues are due to the fact that we're going to get 5 of these movies now and if the story is gonna be way too milked out or if this number of movies is gonna do a good job of expanding the universe.
Overall, while there are pacing issues and some of the CGI could have been a bit polished, Fantastic Beasts and Where to Find Them mostly succeeds in expanding the world and makes you care about Newt Scamander and the new players involved and I'm curious to see them delve deeper in the relationship between Dumbledore and Grindelwald.
Rating: B


text:
Andreas SCHIEDER
Andreas SCHIEDER
- Vice-Chairperson
- Parlament
- Dr Karl Renner-Ring 3 AT - 1017 - Wien
- Substitute Deputy
- firstname.lastname@example.com
Membership of political groups:
- Socialists, Democrats and Greens Group
MP's role(s) in Committee(s) and Sub-Committee(s)
- Committee on Legal Affairs and Human Rights
No Comments
Leave a reply
Your email address will not be published. Fields marked * are mandatory.
You must be logged in to post a comment.


text:
Welcome to Banaue, Philippines
Banaue is often described as, "where land merges with the clouds to meet the heavens" because of its high altitude with the rice terraces as "the stairway to the sky". Banaue is a place for nature adventures and cultural immersion.
A leading tourism destination in Asia, the Banaue rice terraces start from the base of the Cordilleras and reach up to several thousand feet high. Its length, if stretched from end to end, could encircle half of the globe. The rice paddies are fed by mountain springs and streams that are channelled into an irrigation canal that runs downhill through the terraces.
Things to See
1) Cordillera Sculpture Museum
The Sculpture Museum has an extensive collection of artwork from throughout the Cordillera region. This unique museum is clearly worth visiting. It is about 1.8 km south of downtown Banaue, just across the highway from the Las Vegas Lodge.
2) Ducligan Hot Spring
Ducligan Hot Spring can be found at the bank of the Banaue Ducligan River and adjacent to a deep pool. Ducligan Hot Spring is within 1.5-hour drive and 20 minutes walk to reach the hot spring spot. You can take a retreat over there to enjoy warm baths with features such as a swimming pool, hot tubs, toilets and various other amenities.
3) Tam-an Village
Ever wondered how the Ifugaos used to live long ago? The village of Tam-An, located about 323 steps down from the Banaue Hotel's swimming pool, is a great way to get to know the culture. A small fee is charged per visitor but look at it as a way to help the Ifugaos maintain the village.
4) Bangaan Village
Bangaan is a farming community located 2 km from the junction leading to Batad. The walk from the road down to the village and back up takes no longer than 1 ½ hours. Much of the walk is through rice fields. The village has become a historic site, with many traditional houses still standing. You can simply idle your hours away gazing at the village's fascinating environs.
Things to Do
1) Hike to Banaue Viewpoint
Hike the road from downtown to the Banaue Viewpoint to see the majestic terraces and along the way see tribesmen in their native clothing. Do take note that the locals sitting at the viewpoint in traditional dress will pose for photos for a small fee. From here you can take great pictures of the rice terraces from different angles and magnitudes.
2) Climb Mount Amuyao
It is the 8th highest peak in the Philippines, with an elevation of 2,702 meters above sea level. It is located on the boundary of Banaue and Mayoyao. Its summit provides a climber with a breathtaking panorama of the Mountain Province, Isabela, Nueva Vizcaya and Ifugao.
3) Picnic at Guihob Natural Pool
A crystal clear natural swimming pool that is perfect for a cool and refreshing swim, waterslide and ideal for picnic venues. It is 30 minutes drive from Poblacion. You have to jump over huge boulders to reach the crystal clear water of Guihob. It is the perfect place for those who want to take a refreshing swim.
General Information
Banaue is a municipality within the province of Ifugao. It's quite large and includes several barangays, including that of Uhaj to the west and Batad to the east. The downtown area is called Banaue proper. Banaue is an amazing place; a small mountain town (1200m/3937ft high) right in the middle of the rice terraces. You won´t find many places which are as authentic as Banaue.
The best time to go there is in June to July (before harvest) where you get to see well-grown rice plants or February to March (cleaning and planting time).
In the many souvenir shops, you will find some authentic goodies to bring back home. As in many other small towns on the Philippines, you won't find an ATM here.


text:
An ambitious goal, considering that it was to be the fourth installment in the most beloved simulation franchise in the wold, selling over 180 million copies worldwide. The Sims franchise has been so successful because of its unique appeal to a enormously wide range of people. Regardless of age, gender, culture and accessibility to technology, the talented team at Maxis had to be sure their target audience would love the sims whether they were fresh newcomers or the returning loyal.
For the base game, I had the privilege and challenge of being the Senior UX Designer on this project with a concentrated specialization on Create-A-Sim and Build/Buy mode. Together these modes are known as Creative Tools, the parts of The Sims 4 that encourage players to populate their Neighborhoods and the sharing Gallery with their very own sims, families, homes, venues, and stories. I worked closely with teams of game designers, engineers, artists and production folks to bring a versatile user experience to the level of our collective vision.
Figuring out how to accommodate players of any level was a significant challenge. Through many rounds of iteration and play testing, both of these modes ended up evolving into an interesting balance of updated legacy concepts and new interactions that were acclaimed by critics and players alike.
Careful thought also had to be given to the fact that the Sims is a live game and has historically come out with a steady stream of feature updates, expansions, and brand new gameplay. Anything being designed had to take this into consideration. After the initial base game launch, I was in charge of UX/UI for new content across all of the gameplay modes.
Roles: UX, UI Design
Official Site for The Sims 4: www.thesims.com/the-sims-4
Create a Sim:
IGN: www.ign.com/wikis/the-sims-4/Create_a_Sim/
Kotaku: http://kotaku.com/the-sims-4-is-going-to-be-dangerous-for-me-1576380252
Build/Buy Mode:
IGN: www.ign.com/articles/2014/08/05/building-your-perfect-house-in-the-sims-4
SimsNetwork Description of Build/Buy: http://www.simsnetwork.com/simpedia/the-sims-4/editions/the-sims-4/previews/sims-camp-the-sims-4-build-mode


text:
Three giant pandas born and raised at a zoo in western Japan arrived at Chengdu Airport in China on June 5 to participate in a breeding program at the Chengdu Research Base of Giant Panda Breeding.
Hai Bang and Yang Bang, male twins who are 6 years old, and their 4-year-old younger sister, You Bang, made the intercontinental trip after living in Adventure World in Shirahama, in Wakayama Prefecture, since birth.
All three are reaching the age of sexual maturity, and will take part in a breeding program in Chengdu in accordance with China's giant panda protection policies and a cooperative project between the research base and Adventure World.
The joint project between Japan and China has successfully bred 15 giant panda cubs, among which eight are now in China.
Hai Bang, Yang Bang, and You Bang are the ninth, tenth and 11th giant pandas from Japan to come to China.


text:
Archive for December 19, 2013
Many Companies Seeking New Strategies for Retaining Their Best Employees
Anyone who runs a business of any sort is well aware of just how challenging it is to be successful. The sentiment that seems to be universally agreed upon is that the success of a business heavily relies on its employees. Though some may believe that relationships between employers and employees have a tendency to be complicated, many may agree that such a relationship should be one of reciprocated respect.
Just as well as an employee needs their employer to support themselves, an employer needs their employees in order to be successful. So when an employer recognizes that they have a strong team of great employees, they are likely to want to ensure that they keep them as employees for as long as possible. This is commonly known as employees retention. For innovative and effective Continue Reading No Comments
Customer Launch Pad in St Louis MO
Customer Launch Pad
8112 St Charles Rock Road
St Louis, MO 63114
At Customer Launchpad, we want to launch your company to the top of the search engine listings. We will help your business grow by driving online traffic to your web site while you focus on running your business. We do this by making sure that your web site gets seen by customers searching for businesses like yours.


text:
SELECT Training and Management Consultancy L.L.C. is a recognised provider of ILM.
Some of the endorsed programmes offered by SELECT
- Project Management
- Presentation Skills
- Finance for Non-Financial Managers
- Management Skills
- Influencing Skills
- High Performance Teams
- Interpersonal and Communications Skills
- CAMS Assessor Training Programme
- CAMS Verifier Training Programme
- Professional Business Communications Skills
- Supervisory Management Skills Workshop
- Customer Service
- Office Management and Administrative Skills
- Interview and Appraisal Skills
- Leadership
- Innovation and Creative Thinking
- HR Skills
- Managing Change
- Technical Report Writing
- Negotiations
- Training Needs Analysis
- Report Writing
- The Art of Speaking and Presenting at International Conferences
- Telephone Etiquette
- Train the Trainer
For more information about ILM, please visit this page


text:
The Best Waterfront Hangouts in Ocean City, Maryland
Are you planning to visit Ocean City, Maryland this summer? If so, you'll want to enjoy soaking up in the sun and sand. While you're at it, you'll want to hang out at some of the top waterfront restaurants and bars in the community. These locations are always fun, exciting, and such a great way to spend an enjoyable spring or summer day.
If you're new to the area, you may not know of some of the amazing hangouts on the waterfront in Ocean City, M.D. And if you're staying in hotels near Ocean City, knowing about the best watering holes and restaurants on the waterfront is valuable information that you'll truly appreciate.
With that in mind, we will take time to briefly review our favorite Ocean City Maryland waterfront hangouts for you today. Please read over these reviews carefully, see which one or more of these spots seems like a good fit for you, and then definitely check them out when you're here while vacationing.
Out of the many waterfront hangouts in Ocean City, Maryland, we really have an affinity for Ropewalk. We really like this place because it's beautiful, and the view is amazing and you really get to enjoy the summer sunset.
It's conveniently located right on the bay and you'll find it right near 82nd St. It's a seafood restaurant, so if you're looking for some of the tastiest seafood in town, you're definitely going to appreciate the ambiance and atmosphere and the remarkable tasting crab cakes, lobster, mussels, clams, and everything else that this exciting restaurant has to offer.
The great thing about Ropewalk is that there's literally something for everyone in this convenient location. What do we mean? Well, it's the perfect hotspot for couples, singles, and even large groups. They have the ability to accommodate everyone, so you should feel excited to know that you're entering into a fun atmosphere and a great restaurant with some of the tastiest food in town.
45th Street Taphouse
Here's another one of our all-time favorite watering holes in Ocean City, Maryland, located right on the waterfront. This place is phenomenal because the alcohol is always flowing all night long, the food is second to none, and since it's always 5 o'clock somewhere in the world at any given time, you can sit down and enjoy a couple of drinks all day and all night long if that's what you're in the mood for.
You'll truly love eating and drinking in this place because of the amazing view of the water. It's truthfully something that you don't want to miss, and it's one of those experiences that rarely happens more than once in a lifetime. You're going to be hooked on Ocean City after you've spent time soaking up the atmosphere and enjoying the great food at the 45th Street Taphouse.
As far as the beer is concerned, they have dozens of craft beers available for you on tap. So there are plenty of options to try, plenty of great tasting brews, and you're definitely going to love some of these fantastic selections. And let's not forget about the local brews. They have an in-house beer made by the Assawoman Bay Brewing Co. that is truly second to none and something you'll definitely want to experience when visiting the taphouse.
Feel free to visit at any time the next time you're staying in the area. You're going to love the beautiful sunsets, the gentle ocean breeze, the great food, and the amazing alcoholic beverages that all adults will certainly appreciate as they sit back, relax, unwind, and forget about all their cares in the world.
Fish Tales
As you can imagine, Ocean City Maryland is famous for its amazing seafood restaurants. They have some of the best seafood hotspots on the waterfront and seafood aficionados will certainly appreciate these extravagant dining experiences.
Fish Tales happens to be one of the top waterfront hotspots for incredible seafood. If you aren't in the mood for a bite to eat, but you just want to get a drink while you're out enjoying the ocean, the sun, and the beautiful atmosphere, you can pop in for an adult beverage whatever your heart desires. They have many amazing craft beers on tap and they have a wide array of mixed drinks for all to enjoy.
So, definitely pop in if you're feeling hungry and you find out that you and your friends and family members are in the mood for seafood. You're going to get some of the best seafood dishes in the area right here in this incredible restaurant. Or if you prefer to just grab a drink, feel free to do that as well. Look over there drink menu, check out all the amazing beers that they have on tap, and enjoy the wonderful atmosphere available to you right on the oceanfront. You're going to be glad you stopped in to Fish Tales to pay this great place a visit.
The Frog Bar & Grill
As far as beautiful ocean views are concerned, many people will tell you that The Frog Bar & Grill literally has one of the best views in the entire city. The bar and restaurant is located on Ocean City's South End and it overlooks the Assateague Island Inlet. The view is spectacular, the food is amazing, and everybody is always having a good time when they visit this incredible bar and restaurant location. It truly is a favorite among all those visiting Ocean City.
The cool thing about this bar is that it's always packed. The place is jumping even early in the morning, so if you like to go out to drink, meet new people, and have a good time, then you should certainly visit The Frog Bar & Grill. And while you're here, check out some of their great tasting food. They have a wide array of fantastic options.
If you're looking for the best waterfront hangouts in Ocean City, you've definitely found them. Feel free to stop by every one of the places we've recommended today.


text:
By using this website you agree to our cookie policy
Senior Full Stack Software Engineer
This job offer is expired
CircleCI is looking for an experienced full stack software engineer to help us develop a seamless user experience. You will work closely with Product and Design to ensure developers who interact with CircleCI via the web have a consistent and streamlined experience from the first time they touch the site.
At CircleCI you will be working with a team who values trust, respect, and diversity. We are a globally distributed team working towards the common goal of being the standard bearer for continuous integration and deployment software. We are remote friendly, and are looking for people who are passionate about helping shape software engineeringing best practices for the industry as a whole.
To thrive in this role you are someone who works well in teams, and enjoys collaborating. Furthermore you have experience in onboarding, engaging, and retaining users through their journey on various platforms. You enjoy working with Product and Design to find the best solution to the problem at hand, and balance technical tradeoffs with delivering customer value quickly and iteratively. Experience with Growth Engineering a plus.
About CircleCI
- Velocity is critical for software teams in today's competitive landscape, but maintaining speed can be difficult as apps and systems grow larger and more complex. CircleCI's platform allows developers to rapidly release code (for web and mobile apps) they trust by automating the build, test, and deploy process. CircleCI enables developers to detect and fix bugs before they even reach customers. Thousands of leading companies including Facebook, Kickstarter, Shyp and Spotify rely on CircleCI to accelerate delivery of their code and enable developers to focus on creating business value fast.
- About this role:
- Work closely with Product and Design to brainstorm the best way to onboard, engage, and retain customers through the entirety of their user journey
- Build conversion funnels, and the mechanisms to track their success and opportunities for improvement
- Use data to analyze user paths as a way to inform hypotheses about CircleCI's platform
- Test these hypotheses with mechanisms such as AB testing
- Work in Clojure on the backend, and JavaScript in React on the frontend, on a daily basis
- 3+ years of production development experience
- Experience developing single page applications
- Experience working on server side application code
- Experience with and appreciation for the functional programming paradigm
- Articulate UI and UX opinions, especially in regards to platforms and funnel dynamics
- Experience verifying or refuting your hypotheses using data
- A deep appreciation for and abilities to support your development with appropriate testing
- Experience with Growth Engineering
- Working in a highly collaborative environment
- Supporting an environment that values trust, respect, and diversity
- Exploring different methods for efficiently delivering code and customer value
- Delivering value to customers
- Sharing your expertise and encouraging best practices
- Utilizing data to inform your opinions
You Have:
You Enjoy:
CircleCI is a Bay Area Best Places to Work 2016 award winner. Founded in 2011 and headquartered in beautiful downtown San Francisco with a global remote workforce, CircleCI is venture backed by Scale Venture Partners, DFJ, Baseline Ventures and Harrison Metal Capital.
We care deeply about diversity and inclusivity. We're hiring at all experience levels, and seek talented teammates from a wide variety of backgrounds and experiences who are equally committed to cultivating a work environment of respect and kindness. We carefully consider every applicant that takes the time to apply.


text:
Page 1
Page 2
Page 3
Page 4
Page 5
Page 1
Page 2
Page 3
Page 4
Page 5
Page 5
Page 5
Benefits Of Acquiring Designer Jewelry
The temptation to purchase ready-made jewelry at the store counter is quite high, especially when a talented salesperson is involved. The main drawback of ready made jewelry is that the pieces are not exclusive. Same pieces are sold to many other people thus losing their value. The last thing any person wants is to come across someone with the exact piece of jewelry. Because of this issue, many people are opting for custom designs when it comes to buying jewelry. In short, today people have more information.
The notion that custom jewelry is for the wealthy is being challenged out there. This is due to the fact that people with different budgets can now access designer jewelry. This revolution has been aided by the web. Today finding a customer jewelry is not difficult. The remainder of this article, summarizes some of the benefits of designer jewelry. After checking out this article, it is hoped that you are going to purchase custom jewelry. Here are the advantages without wasting any more time.
Distinctiveness is definitely the number one advantage of purchasing custom jewelry. For example, when you go with this option, you get to work with a designer to come up with unique designs that cannot be found elsewhere. Ready made jewelry is not unique because you can find thousands of people wearing the same exact design. Therefore, it is better to acquire custom jewelry such as
roman glass necklace
Select Design
It is not possible to pick the designs you love when you opt for ready-made jewelry. Custom jewelry is your best option if you yearn to wear pieces of jewelry that you adore. For instance, the moment you opt for ready made jewelry you are promoting another person concepts or ideas like
moonstone pendant necklace
. Yet you have the power to add your own creativity and ingenuity when you opt for custom jewelry.
Expressing Self
Jewelry is one of those things that brings out your personality. Though, ready made pieces do not have the ability to show your true personality. Choosing designer jewelry is highly advised if you want to showcase your true personality. People can easily express their concepts and ideas through custom jewelry. Working together with a designer, you can come up with designs that reflect your true personality. If you want to express your personality through jewelry, then it is better to go for custom jewelry.
Good quality
Compared to ready made options, custom jewelry designs are of high quality. Usually, designers burn the midnight oil in order to formulate designs that meet and surpass the wants of clients. If you are searching for quality designs, do not opt to go with ready made pieces. At the end of the day custom jewelry showcases your originality.
, you may find a story related to this topic.
This site was built using
Create Your Website Today >>


text:
Frank has practiced energy healing for more than fifteen years. He has given Reiki sessions to more than three thousand people, helping with a wide range of physical, emotional and spiritual issues. Most of Frank's Reiki sessions are given to cancer patients. He offers services at both Rudasill and Craycroft Centers.
2625 N. Craycroft Rd.Ste: 215Tucson, AZ 85712520-324-2840
2070 W. Rudasill Rd. Ste: 100Tucson, AZ 85704520-877-9038
1315 S. La Canada Dr.Green Valley, AZ 85622520-471-9067Some services available inPhoenix and Northern Arizona
Email: email@example.com


text:
The Associated Press, in a story carried by Yahoo!, reports that an error by administrators at the University of Kansas enabled 119 students to see eMail addresses of others in jeopardy of losing their financial aid. The university sent a form eMail to these 119 students to let them know they were failing, but it placed all of the eMail addresses in the same "To" field, exposing them to everyone who got the embarrassing eMail. At least one student feels the eMail mistake was a violation of the Family Educational Rights and Privacy Act.
Oops! University's eMail goof not funny to failing students
Associated Press via Yahoo!
June 20th, 2005


text:
What we do:
Oasis promotes mutual understanding between Christians and Muslims
How we do it:
We study and narrate Islam in its internal plurality, and Muslim majority societies in which Christian communities reside.
Throughout the years, Oasis has been able to maintain a high standard of research and to reach an ever-growing audience with its contents and reflections thanks to a website in three different languages – Italian, English, French – and a journal in four languages – Italian, English, French and Arabic.
Why we need your help:
Your support will allow us to strengthen our mission and promote the mutual understanding between Christians and Muslims in our global societies with more effective tools.
How you can help:
There are different ways in which you can support our work – with an annual or pluriannual subscription to our journal or with personal donations.
How we use the funds that we receive:
10% administrative expenses
70% research and content creation
20% communications, events and conferences
Support Oasis' activities:
If you want to donate a figure higher than 50.00 € fill in the form below: