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Welcome to the second sequence of extracts for small companies, the podcast of SmallBusiness.co.uk.
On this episode, Anna Jordan meets Nicola Horlick, funding fund supervisor and founding father of P2P peer lending firm, Cash & Co. She talks in regards to the financial downturn and why you shouldn't by no means begin catering.
Hearken to it within the media participant beneath.
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You too can watch our episode with the manikin who turned an entrepreneur, Caprice
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Would you wish to learn the interview as a substitute?
Hi there and welcome to Small Enterprise Snippets, the podcast of SmallBusiness.co.uk. I'm your host, Anna Jordan.
We welcome right this moment Nicola Horlick, entrepreneur and funding supervisor with 30 years of expertise. She is the CEO of the funding firm P2P, Cash & Co, so we'll speak about company finance.
Anna: Hi there Nicola.
Nicola: Hi there.
Anna: How are you?
Nicola: All proper, thanks.
I wish to ask you a query about leaving finance first. How does he develop into an entrepreneur for the primary time after working on this trade for a very long time?
Nicola: Sure, initially, I labored for large banks and I used to be very fortunate. I began in an enormous, very dynamic financial institution, after which I used to be despatched to a different financial institution dealing with a serious drawback with considered one of its actions and I needed to flip issues round.
Then I went to the French financial institution SocGen (Societe Generale) and so they requested me to create a fund administration firm for them, from scratch, so it was simply me, a Frenchman and a secretary the primary day.
This naturally led me to say "I really want to do one thing for myself now". I form of did every thing within the banking enterprise and I actually began a enterprise from scratch, after which I acquired bug, so to talk. The subsequent step was to arrange a fund administration firm with no main financial institution – simply me – and to name on funders. I put in it in 2004 and it was accredited in 2005 by the Monetary Conduct Authority (FCA), specifically Bramdean Asset Administration.
Since then, I've created many various firms, primarily within the finance sector. In 2011, I created a non-public fairness agency known as Rockpool, with two ex-3i varieties (a bunch of worldwide traders). Then I additionally created movie financing firms and I acquired concerned within the music trade and I registered a car on the London Inventory Change to put money into various investments.
After which I did much less profitable issues like opening a restaurant, which was a really, very dangerous concept. I'm nonetheless attempting to get out now. However you recognize, it actually took me to a unique world.
And eventually, I created Cash & Co in 2013 and Cash & Co is a non-public mortgage platform. It's due to this fact people who need to get a greater price on their money loans to companies to assist them develop. So far, our expertise with dangerous money owed is simply zero.04% each year. In truth, we had just one dangerous debt in 5 years. With that, we aren't distinctive – there are others, the funding circle is large – we lend to small companies. We take a extra considerate method. It's primarily as a result of I'm a fund supervisor and I've been an investor for therefore lengthy. Whereas numerous folks working these companies could come from completely different backgrounds – they may come from expertise or advertising and marketing reasonably than cash administration.
What standards do you search within the firms wherein you need to make investments?
Nicola: So now we have fundamental necessities, as you could have three years of accounts deposited; the enterprise will need to have been worthwhile over the past yr of operation; and it has to indicate us that it's reasonably priced for them to borrow in order that we by no means go to a start-up, for instance.
I wish to discuss a bit in regards to the interpersonal mortgage market. On the private aspect, the FCA introduces stricter guidelines for retail traders after the collapse of Lendy. How is that this going to have an effect on enterprise funding and the trade as an entire?
Nicola: So far as I'm involved, it's an excellent factor. As a result of at first it was known as "tactile regulation". So there weren't plenty of guidelines and I used to be nervous that a few of the individuals who have been working these providers typically didn't have monetary providers coaching and I'm undecided that's the suitable factor for lenders to do . Lots of them are additionally aged and are searching for an revenue and it is very important shield them as a lot as potential.
I due to this fact welcome the brand new regime launched on December 9 by the FCA, which can tighten all these measures, as a result of it hopes that it'll imply that the suitable folks lend and that the individuals who make the loans on their behalf are higher certified to do it and their cash is healthier protected.
So, Cash & Co, to your data, will nonetheless exist as a P2P lender? Do you need to introduce different merchandise?
Nicola: I imply, we might do it, however it might confuse folks. I believe we should always give attention to that, as a result of the lending alternatives are large. My very own background is basically equity-related, so I'm comparatively new. I've solely been lending cash for 5 years out of thirty – six years within the monetary providers sector. I'm due to this fact a relative novice.
You may import many mortgage areas to the P2P market. For instance, leasing is a fully huge trade. There are £ 100 billion in leasing contracts per yr on this nation, of which 25 are enterprise leases. So it's the printing press for the printing press or the vans for the trucking firm or the dental workplace of the dentist: issues that these firms completely cannot do with out. There's completely no motive why you can't place these in a P2P setting, most of these loans.
And housing development is an excellent instance of the reluctance of banks to supply loans – there's a housing scarcity on this nation. There isn't any motive why we cannot design a product and we're doing it in order that this trade builds extra homes. And that led us to suppose that the prefab has by no means taken off correctly on this nation. It's way more a factor in international locations like Germany and Austria, however it's a technique to construct them a lot quicker and in a way more eco-friendly method, as a result of you possibly can isolate them within the manufacturing unit and you may construct the homes in couple. weeks. You may velocity up development in order that, as a substitute of letting males within the rain put one brick on high of one other, which is loopy these days, you possibly can assemble them in a short time and create way more fascinating architectural developments.
It's a bit like LEGO; you possibly can have all of the shapes and you can also make it extra fascinating. We're due to this fact searching for methods to boost funds from establishments to finance dwelling builders. At current, it could nonetheless be P2P loans however emanating from an establishment lending to a house builder reasonably than a person mortgage to a house builder.
To come back again to you as an entrepreneur, I perceive that Cash & Co has suffered a big monetary loss [£1.4m going into March 2018]. You stated there can be a considerable revenue in March 2020. What are your stimulus packages and the way are you going to do it?
Nicola: Ugh, it's a typical story of the Day by day Mail. In case you actually have a look at how a lot cash now we have misplaced within the final 5 years and also you evaluate it to Funding Circle, it's a fraction of the quantity. The funding circle in 2018 has misplaced 50 million kilos in a single yr. Cash & Co made very small losses in comparison with Funding Circle.
My objective is to make the enterprise worthwhile as rapidly as potential, as a result of I do not likely imagine in creating companies that result in losses and losses. And we might have lent much more cash if we burned extra, however that's not our method. Our method is to construct it on a really common foundation and I'm anticipating to make a revenue … effectively, it's sure that we're reaching the breakeven level in 2020.
In truth, this is probably not the case, all of it relies on how a lot we spend on advertising and marketing. And you recognize, if we actually need to speed up enterprise development, we are able to resolve to spend extra on advertising and marketing. If we spend much less, we might make a revenue; if we spend extra, we could have an even bigger enterprise the following yr. It's a high quality line.
How do you resolve if advertising and marketing is price it?
Nicola: Earlier than we spoke, we had a gathering about it, we have been taking a look at our advertising and marketing technique and attempting to resolve how a lot we should always spend. It's actually a components, actually. We all know by some means.
After all, now we have this drawback – not likely an issue – however the truth that now we have the FCA that hardens all the foundations, which makes direct advertising and marketing to shoppers a bit extra advanced than it was earlier than. However it's a bit binary, you recognize, if you happen to spend a lot cash on Google in all its types, you'll in all probability have numerous prospects. So it's actually a matter of realizing how a lot we need to put within the hopper and the way a lot we'll get out on the different finish.
And what number of loans do we have to finance? However assuming we are able to get the institutional cash we have to assist us finance the development of properties, we will definitely be in equilibrium and we'll in all probability make a revenue by March 2020. However I don't apologize – it's a fintech start-up. That is what monetary expertise firms do, make losses.
You began in 2013, is that it?
Nicola: The corporate was created in 2013, then we launched the corporate in April 2014, the positioning was put on-line. And we completed the primary mortgage in July 2014.
Properly, agree. Usually, in a start-up enterprise, it's just about the primary yr or a bit scathing, however it begins to stabilize afterwards.
Nicola: What, when it comes to profitability?
Anna: Sure.
Nicola: Yeah, effectively not in fintech. In case you have a look at all of the folks with monetary expertise firms who've been working them for just a few years, you will note that all of them made massive losses. It's sort of accepted that when the sector is new, it's important to create that sector and make investments cash to create it. It's not like organising – effectively, in actual fact, the shops are a really dangerous instance as a result of they haven't been simple to do these days – however there are extra conventional firms wherein an individual might have been work for an engineering firm after which calm down. clear.
Often, the rule is that companies make earnings within the third yr, their third full yr of operation, which is what I usually anticipated. However you recognize, with that, there's a discretionary component that's the advertising and marketing expense. We might merely run a worthwhile enterprise and maintain it small, or we might resolve to do it in order that it turns into a lot larger and, to do this, we needed to spend some huge cash on advertising and marketing.
What do you consider the state of affairs within the UK, particularly in gentle of Brexit?
Nicola: Nobody appears to have seen that the financial system had slowed down rather a lot. And we see it effectively – although plenty of our loans are secured by the property, now we have engineering firms, for instance, that we've loaned, that are beginning to see a slowdown. And that is linked to Brexit as a result of this uncertainty implies that folks don't make choices.
So firms didn't make investments as a result of they didn't know what was going to occur and there may be proof that automobile producers, for instance, are starting to dislodge the British actuality. And the variety of vehicles manufactured in the UK fell by 20 laptop this yr on the similar time final yr. These issues are beginning to affect the financial system and can have an effect on all the businesses we fund. This is among the the explanation why now we have to be very cautious and one of many causes I used to be so cautious about rising our guide.
However sure, I've usually discovered, throughout my life as an investor, that I earned much more cash in dangerous instances than in good ones. As a result of in good instances, any idiot can earn a living, as a result of every thing goes up. In tough instances, your expertise come into play. This sounds counterintuitive, however I'll in all probability lend much more cash throughout a recession than when the scenario is booming as a result of I take out much less dangerous loans.
It's simply that lenders are inclined to withdraw; they react to the circumstances of recession. Banks react throughout recessions. Thus, in instances of recession, individuals who have cash to lend have extra alternatives. I believe that there shall be a recession and that the mortgage portfolio shall be constructed quicker, reasonably unusually, than when issues have been going very well. When issues have been going very well, Funding Circle was throwing cash at these debtors, there have been banks, worldwide banks, massive quantities of cash. We had quantitative easing – some huge cash is printed. Whether it is printed, you could do one thing about it.
All it will finish and will probably be way more tough for debtors to seek out lenders, which provides us the chance and the means to seek out higher debtors throughout this time.
And one final thing I wish to speak about. For instance, Georgina's restaurant, which you operated, went bankrupt. What are essentially the most tough classes you could have realized as an entrepreneur?
Nicola: Properly, it's not fully true that she went bankrupt. What we did was that we closed it and moved to a unique place. Even when he didn't name Georgina – we known as him The Walrus Room – and it was at Battersea Rise. It's extra a bar serving meals than a restaurant.
And now we have simply acquired a brand new director to handle it. I'm nonetheless concerned on this undertaking, however it's a nightmarish trade and I completely suggest that nobody ought to go to eating places. I believe it solely works if you're a proficient chef and that's your restaurant. Or if you're Pizza Specific. The whole lot in between doesn't work, so open a restaurant since you like the concept of proudly owning a restaurant is a really, very dangerous concept.
What are essentially the most tough points of working [a restaurant]?
Nicola: Properly, the prices are simply ridiculous. The rents on the principle road are nonetheless ridiculously excessive. One unit on Georgina – the unique unit – the annual hire was £ 65,000 a yr. The tax on the board is £ 28,000 a yr, outrageous: £ 28,000 a yr ?! Then one sixth of your turnover goes to the VAT supervisor. As well as, we had 14 staff as a result of it was a full service restaurant. We due to this fact needed to pay 13.eight% of the nationwide insurance coverage payroll. You're principally in enterprise to pay taxes and hire – that's all. And the concept you make a revenue, except you could have a really well-known chef behind, is sort of unimaginable, for my part.
Lastly, to return a bit to my first query, what recommendation would you give to entrepreneurs – or do you need to develop into an entrepreneur – do you begin their very own enterprise for the primary time?
Nicola: You must be sure you have sufficient funding. Many individuals find yourself financing their enterprise via bank card debt or loans borrowed from mortgage sharks, that is actually the easiest way to do it. The SEIS is an excellent factor as a result of it means that you can increase £ 150,000 and individuals who make investments can get again 50% of their capital so long as they're British taxpayers.
And so, I believe folks should do the work early to be sure that they reap the cash earlier than beginning the enterprise and mustn't put their savings- life threatening and they need to not not put their cash on bank cards or go to usurers. It's actually essential to verify the enterprise is correctly funded from day one.
Anna: Nice. Thanks very a lot for coming within the sequence, Nicola.
Nicola: In no way.
Anna: You may learn extra about Cash & Co at moneyandco.com. You too can go to smallbusiness.co.uk for extra data on various investments. Don't forget to love us on Fb @SmallBusinessExperts and comply with us on Twitter @smallbusinessuk, all in lowercase.
See you subsequent time, thanks in your consideration.


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Geology of The Crescent Alkalic Porphyry Copper-Gold Deposit, Afton Mining Camp, British Columbia (921/9)
James R. Lang, 1994. "Geology of The Crescent Alkalic Porphyry Copper-Gold Deposit, Afton Mining Camp, British Columbia (921/9)", Selected Mineral Deposits of British Columbia, Canada: I. Porphyry Ore Deposits Of Southern British Columbia II. Mineral Deposits Of Northern Vancouver Island, C.R. Stanley, W.J. McMillan, Andre Panteleyev
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The Crescent deposit is one of several porphyry-style deposits located within the Iron Mask batholith. Other mined deposits in the district include the Afton, Ajax East and West, and Pothook deposits; the Big Onion, DM, and Python zones have published reserves but have had no production (Figure 1; Kwong, 1977). The Iron Mask is a composite intrusion of alkalic affinity which was emplaced at about 207±3 Ma (Ghosh, 1993) into coeval volcanic rocks of the Nicola Group which is part of the Quesnellia oceanic island-arc terrane (Souther, 1992). The copper-gold deposits within the batholiths have been classified within the silica-saturated group of alkalic porphyry deposits (Lang et al., 1992). The Crescent deposit is located 3 kilometres due east of the Afton deposit, the largest orebody in the district (Figure 1), and yielded 1.36 million tonnes of ore with an average grade of 0.46% copper and 0.2 gram per tonne gold during production in 1989 and 1990.
Figures & Tables
Selected Mineral Deposits of British Columbia, Canada: I. Porphyry Ore Deposits Of Southern British Columbia II. Mineral Deposits Of Northern Vancouver Island
km 0 Depart from the Delta Town and Country Inn. Zero your odometer at the Inn. Turn right onto River Road (Highway # 17). Cross the overpass and take the freeway on-ramp onto Highway # 99 south toward Seattle.
km 8 Take Exit # 20 (Highway # 10) east toward Langley and Hope. The road climbs a hill from the Fraser River delta late Holocene (< 8000 years before present) Salish Sediments (shoreline sand and clayey silt; river gravel, sand, silt and clay; peat bogs and swamps) through Pleistocene Vashon Drift (Fraser Glaciation) and pre-Vashon deposits from the Olympia and Highbury non-glacial intervals and the Semiahmoo and Westlynn Glaciations (tills, glaciofluvial, glaciolacustrine, glaciomarine and deltaic sediments), onto early Holocene (10,000 to 8000 years before present) glacial retreat and melt-out deposits of the Sumas Drift, Ft. Langley Formation and Capilano Sediments (Armstrong, 1990).
Lacustrine (principally oxbow lake) environments of these units near Maple Ridge, British Columbia are the only good local source of fire clay. These are valuable deposits because of their low Ca concentrations, relative to Na and K, and true clay mineralogy. Other clay deposits within British Columbia are predominantly glacial, and thus generally contain only un-weathered clay-sized particles instead of clay minerals. Furthermore, the overall quartz diorite composition of the country rocks that underlie the Fraser River drainage basin generally results in Ca-rich bricks which form a generally undesirable white precipitate over time.
km 32 Highway# 10 turns left toward Fort Langley.
km 36 Highway # 10 turns right.
km39 Turn right onto Highway # 1 (the Trans-Canada Freeway) toward Hope. This freeway crosses the 'Lower Mainland', the agriculturally important Fraser River delta (here consisting predominantly of Ft. Langley Formation glacial and deltaic sediments; Armstrong, 1990), which narrows to a significant defile at the town of Hope.
Km 51 In clear weather, Mt. Baker (3285 m), a Cascade andesite stratovolcano is in view directly ahead. This most-northerly United States Cascade volcano last erupted in 1843 during the waning stages of its third cycle of volcanism (approximately 50, 31–34 and 17 million years ago). It is now considered to be dormant, although minor fumarolic activity has occurred within and immediately adjacent to its 90 m wide summit crater since 1975 (Armstrong, 1990). Mt. Baker is considered to be a 'coherent' Cascade volcano (McBimey, 1968), meaning that it is dominated by relatively quiescent andesitic lava and phreatic ash eruptions, without

subset: commoncrawl


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20335 Country Club Dr #609
2 Bed | 2 Full Baths | 0ft²
Status: Closed
Entry Date: Jun 15, 2016
Type of Property: Condo
Bank Owned / REO: No
Short Sale: No
Pets Allowed: Yes
Pet Restrictions: 20
Terms Considered: All Cash, Conventional
Property Size: 0ft²
Lot Size: 0.00ft²
Garage Spaces: 0
Carport Spaces: 1
Completion Year: 1975
This property is courtesy of Cosmopolitan Realty Inc.
View: Golf View
Waterfront: No
Interior Features: First Floor Entry, Custom Mirrors, Elevator, Walk-In Closets
Floor Description: Carpeted Floors, Ceramic Floor
Construction Type: CBS Construction
Dishwasher, RANGEE, Refrigerator, Smoke Detector, Electric Range
Agent Remarks
Beautiful views of the golf course and skyline from every window. Great condition, completely original 2/2 biggest corner unit. It's your chance to renovate and own a new apartment in a dreamy location.Community going under huge renovation project.No rentals for first year ownership and minimum 2 years lease.


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"Thankful Today" - Beautiful autumn set made in traditional colors - shades of yellow, red and brown. It contains a lot of autumnal elements.
This pack includes:
Digital Scrapbook Layouts by Sekada Designs include the following products:
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Instantly add inked and worn antique paper edges to your papers and layouts using these digital scrapbooking paper overlays. Includes sixteen edges in all PNG format.
Celebrating Birthdays is an occasion we all want to remeber, no matter our age. The Happy Birthday digital scrapbooking & photobook kit will help you save those memories in a grown up way.
The set includes: 78 elements.
Enjoy using this third set of six beautifully distressed flourished overlays with a variety of colors, textures, layer styles, opacities etc... to create an endless supply of papers and embellishments for personal or commercial use.
A set of embellishments designed to coordinate with the Wanderlust Collection by On A Whimsical Adventure.
Includes patterned papers, solid papers, 1 alpha and 101 embellishments.


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David Holt's State of Music
Wayne Henderson, Jeff Little
David goes to Rugby, Virginia, to play tunes with Wayne Henderson and Jeff Little. Jeff talks about the piano as a bluegrass instrument and Wayne takes David inside his guitar-making workshop.
- program length: 30 minutes
- episode #203
Sunday, September 22 at 5:00 am on 12.1
additional airdates
- Saturday, September 21 at 10:30 pm on 12.1
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series description
David Holt and Jerry Douglas talk about his legendary career and how he has changed the dobro forever.


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If you are looking for Honda Civic 1.8 i VTEC Tyres then you will need to look for the appropriate sizes. On this model the original Front Tyre size is 205/55-R16 and the rear Tyre size is 205/55-R16 so before purchasing a tyre, be sure that it is the appropriate size.
The Honda Civic 1.8 i VTEC is a Front engined Hatchback that boasts a in-line, 4-cyl 1799 ccm (109,22 cubic inches) engine with an impressive 140.00 PS (102,49 kW or 137,31 HP) at 6300 revs per minute and torque figures of 174.00 Nm (17,61 kgf-m or 127,66 ft.lbs) at 4300 revs per minute which is cooled using a Liquid Cooling System.
With the Honda Civic 1.8 i VTEC weighing around 1265 kg (2774,86 pounds) it is fundamental to have a excellent braking system fitted for both performance and safety.
As standard the Honda Civic 1.8 i VTEC has Ventilated disks front brakes and Disks, 200.7 mm rear brakes installed.
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We drove ours home to Nevada from Pennsylvania, in winter.
If I can give a bit of advice, check all hose clamps and the compressor support bracket as soon as you can get your hands on it.
I'm looking to get rid of my bed sides and troop seats if you are looking for some.. PM me.


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- Heritage Category:
- Listed Building
- Grade:
- List Entry Number:
- 1107535
- Date first listed:
- 13-May-1987
- Statutory Address:
The above map is for quick reference purposes only and may not be to scale. For a copy of the full scale map, please see the attached PDF - 1107535 .pdf
The PDF will be generated from our live systems and may take a few minutes to download depending on how busy our servers are. We apologise for this delay.
This copy shows the entry on 18-Aug-2019 at 00:42:35.
- Statutory Address:
The building or site itself may lie within the boundary of more than one authority.
- County:
- Devon
- District:
- North Devon (District Authority)
- Parish:
- Filleigh
- National Grid Reference:
5/27 Ackland Barton
Farmhouse. Probably early C17, the range to right of stack rebuilt or possibly added in the late C18, with late C19/early C20 alterations. Rendered stone and cob, unrendered to rear. Asbestos slate roof with gable ends, formerly hipped at right end. Small brick stack at left end, axial brick stack and lateral brick stack to rear upper end. The original C17 plan to the left-hand range has been obscured by later alterations but appears to have consisted of a service room at the left end and hall to right heated by the present axial stack. With the late C18 remodelling, the house was converted into 2 occupations, the hall being reduced in size at its lower left end by the introduction of an entrance passage containing a staircase. To the right of the hall stack, 2 principal rooms were added or rebuilt, reputedly following a fire. The right-hand end room at one time occupied as a separate cottage, was divided probably early the century to form small service rooms with direct entry to the right-hand room. A staircase was introduced at the same time to the left of this entrance. This replaced a staircase in the left-hand room which formerly ran up beside the axial stack of the C17 hall with a former entrance hall to the third central entrance doorway. This passage may have occupied the site of the original cross-passage giving a conventional plan, with hall stack backing onto the cross- passage. With the removal of these stairs and entrance hall partitions the central entry is now direct into the left-hand principal room, which is heated by a fireplace set across the rear right-hand corner of the room and relating to the rear brick stack. 2 storeys. 5 window range, mostly 2-light casements but first bay on left has modern windows. 3 doors, that to left C20, 2 to right C19 plank doors. Interior: original hall has cross ceiling beam with wide chamfer and hollow step stops. Fireplace has roughly dressed stone jambs, replaced lintil and large brick- line oven. Chamfered scroll-stopped doorway to chamber over lower end. Single C17 truss with 2 tiers of trenched purlins and typical halved and lap-jointed collar. No sign of smoke-blackening. The roof structure over the right-hand range is entirely late C18/early C19 with roughly pegged trusses and waney rafters.
Listing NGR: SS6511127379
The contents of this record have been generated from a legacy data system.
- Legacy System number:
- 98941
- Legacy System:
This building is listed under the Planning (Listed Buildings and Conservation Areas) Act 1990 as amended for its special architectural or historic interest.
End of official listing
Images of England
Images of England was a photographic record of every listed building in England, created as a snap shot of listed buildings at the turn of the millennium. These photographs of the exterior of listed buildings were taken by volunteers between 1999 and 2008. The project was supported by the Heritage Lottery Fund.


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In early July, an appeals court ruled that Amazon should be considered a "seller" of goods under Pennsylvania products liability law and subject to strict liability for consumer injuries caused by the defective goods sold on its site by third-party vendors. (Oberdorf v. Amazon.com, No. 18-1041 (3rd Cir. July 3, 2019)). While the decision involved interpretation of Pennsylvania law – and Amazon has previously prevailed on the "seller" issue in various courts around the country in recent years – the ruling is still noteworthy as it was based upon § 402A Restatement (Second) of Torts (which other states may follow), and the ruling may signal a willingness to reinterpret the definition of "seller" in the modern era of online platforms. The decision also highlights the limits of immunity under Section 230 of the Communications Decency Act (CDA) for online marketplaces when it comes to products liability claims based on a site's sales activity, as opposed to editorial decisions related to third-party product listings. Continue Reading
Personal Email Management Service Settles FTC Charges over Allegedly Deceptive Statements to Consumers over Its Access and Use of Subscribers' Email Accounts
This week, the FTC entered into a proposed settlement with Unrollme Inc. ("Unrollme"), a free personal email management service that offers to assist consumers in managing the flood of subscription emails in their inboxes. The FTC alleged that Unrollme made certain deceptive statements to consumers, who may have had privacy concerns, to persuade them to grant the company access to their email accounts. (In re Unrolllme Inc., File No 172 3139 (FTC proposed settlement announced Aug. 8, 2019).
This settlement touches many relevant issues, including the delicate nature of online providers' privacy practices relating to consumer data collection, the importance for consumers to comprehend the extent of data collection when signing up for and consenting to a new online service or app, and the need for downstream recipients of anonymized market data to understand how such data is collected and processed. (See also our prior post covering an enforcement action involving user geolocation data collected from a mobile weather app). Continue Reading
Finding Article III Standing, Ninth Circuit Declines to Do an About-Face in Illinois Biometric Privacy Class Action against Facebook
In an important opinion, the Ninth Circuit affirmed a lower court's ruling that plaintiffs in the ongoing Facebook biometric privacy class action have alleged a concrete injury-in-fact to confer Article III standing and that the class was properly certified. (Patel v. Facebook, Inc., No. 18-15982 (9th Cir. Aug. 8, 2019)). Given the California district court's prior rulings which denied Facebook's numerous motions to dismiss on procedural and substantive grounds, and the Illinois Supreme Court's January 2019 blockbuster ruling in Rosenbach, which held that a person "aggrieved" by a violation of the Illinois Biometric Information Privacy Act ("BIPA") need not allege some actual injury or harm beyond a procedural violation to have standing to bring an action under the statute, the Ninth Circuit's decision was not entirely surprising. Still, the ruling is significant as a federal appeals court has ruled on important procedural issues in a BIPA action and found standing. The case will be sent back to the lower court with the prospect of a trial looming, and given BIPA's statutory damage provisions, Facebook may be looking at a potential staggering damage award or substantial settlement. Continue Reading
Facebook Shielded by CDA Immunity against Federal Claims for Allowing Use of Its Platform by Terrorists
In recent years, there have been a number of suits filed in federal courts seeking to hold social media platforms responsible for providing material support to terrorists by allowing members of such groups to use social media accounts and failing to effectively block their content and terminate such accounts. As we've previously written about, such suits have generally not been successful at either the district court or circuit court level and have been dismissed on the merits or on the basis of immunity under Section 230 of the Communications Decency Act (CDA).
This past month, in a lengthy, important 2-1 decision, the Second Circuit affirmed dismissal of federal Anti-Terrorism Act (ATA) claims against Facebook on CDA grounds for allegedly providing "material support" to Hamas. The court also declined to exercise supplemental jurisdiction over plaintiff's foreign law claims. (Force v. Facebook, Inc., No. 18-397 (2d Cir. July 31, 2019)). Despite the plaintiffs' creative pleadings that sought to portray Facebook's processing of third-party content as beyond the scope of CDA immunity, the court found that claims related to supplying a communication forum and failing to completely block or eliminate hateful terrorist content necessarily treated Facebook as the publisher of such content and were therefore barred under the CDA. Continue Reading
Ticketmaster Reaches Settlement with Ticket Broker over Unauthorized Use of Automated Bots
In early July, Ticketmaster reached a favorable settlement in its action against a ticket broker that was alleged to have used automated bots to purchase tickets in bulk, thus ending a dispute that produced notable court decisions examining the potential liabilities for unwanted scraping and website access. (Ticketmaster L.L.C. v. Prestige Entertainment West Inc., No. 17-07232 (C.D. Cal. Final Judgment July 8, 2019)).
In the litigation, Ticketmaster alleged that the defendant-ticket broker, Prestige, used bots and dummy accounts to navigate Ticketmaster's website and mobile app to purchase large quantities of tickets to popular events to resell for higher prices on the secondary market. Under the terms of the settlement, Prestige is permanently enjoined from using ticket bot software to search for, reserve or purchase tickets on Ticketmaster's site or app (at rates faster than human users can do using standard web browsers or mobile apps) or circumventing any CAPTCHA or other access control measure on Ticketmaster's sites that enforce ticket purchasing limits and purchasing order rules. Prestige is also barred from violating Ticketmaster's terms of use or conspiring with anyone else to violate the terms, or engage in any other prohibited activity. Continue Reading
New York Court Finds Warhol Series to be Fair Use of Prince Photograph
Earlier this month, in The Andy Warhol Foundation for the Visual Arts, Inc. v. Goldsmith, No. 17-cv-2532 (S.D.N.Y. July 1, 2019), a New York district court granted the Andy Warhol Foundation for the Visual Arts' ("AWF") motion for summary judgment that Warhol's series of screen prints and silkscreen paintings (the "Prince Series") did not infringe Lynn Goldsmith's ("Goldsmith") original 1981 photograph of the musician Prince, ruling that the Warhol works were transformative and qualified as fair use. Continue Reading
Web Scraping Decisions Consider Contract Cause of Action
Two recent web scraping disputes highlight some important issues regarding whether a website owner may successfully allege a breach of contract action against a commercial party that has scraped website content contrary to "clickwrap" and "browsewrap" website terms of use.
In Southwest Airlines Co. v. Roundpipe, LLC, No. 18-0033 (N.D. Tex. Mar. 22, 2019), a Texas district court declined to dismiss Southwest Airlines Co.'s ("Southwest") breach of contract claim against an entity that scraped airfare data from Southwest's site in violation of the website terms of use. Southwest brought multiple claims against Roundpipe, LLC ("Roundpipe") after it discovered that Roundpipe had created a website, SWMonkey.com, that, using scraping, sent consumers notifications if their Southwest ticket prices decreased after purchase (which would presumably allow them to exchange the original ticket for a lower-priced ticket).
Southwest's website terms prohibited scraping or the use of any automated tools to access its fares or other content. Soon after the launch of SWMonkey, Southwest sent a cease and desist letter stating that Roundpipe was obtaining Southwest's data in violation of the website terms, among other reasons, and demanded that the site be taken down. After negotiations and additional correspondence from Southwest, Roundpipe shut down the website and disabled its scraping and fare tracking functionality. Continue Reading
New California Court Decisions Showcase Robust CDA Immunity
Three recent court decisions reaffirm the expansive immunity awarded to online providers that host third-party content under Section 230 of the Communications Decency Act ("CDA"), 47 U.S.C. § 230(c): California's Superior Court decision in Murphy v. Twitter, Inc., No. CGC-19-573712 (Cal. Super. June 12, 2019), and the Northern District of California's decisions Brittain v. Twitter, Inc., No. 19-00114 (N.D. Cal. June 10, 2019), and Fyk v. Facebook, Inc., No. 18-05159 (N.D. Cal. June 18, 2019). Continue Reading
Locksmiths Locked Out: Court Affirms Immunity for Use of Tools That Portray Third-Party Content Pictorially or as an Aggregate Metric
In the past few months, there have been a number of notable decisions affirming broad immunity under the Communications Decency Act (CDA), 47 U.S.C. §230(c), for online providers that host third party content. The beat goes on, as in late May, a Utah district court ruled that the Tor Browser, which allows for anonymous communications and transactions on the internet, was protected by CDA Section 230 for a website's sale of illegal substances to a minor on the dark web via the Tor Browser.
More recently, the D.C. Circuit affirmed the dismissal of claims brought by multiple locksmith companies (the "plaintiffs") against the operators of the major search engines (the "defendants" or "providers") for allegedly publishing the content of fraudulent locksmiths' websites and translating street-address and area-code information on those websites into map pinpoints that were displayed in response to user search requests. (Marshall's Locksmith Service v. Google LLC, No. 18-7018 (D.C. Cir. June 7, 2019)). According to the plaintiffs, by burying legitimate locksmiths listings (with actual, local physical locations) beneath so-called "scam" listings from locksmith call centers that act as lead generators for subcontractors, who may or may not be fully trained, plaintiffs' legitimate businesses suffered market harm and were forced to pay for additional advertising. (Beyond this case, the issue of false local business listings appearing in Google Maps remains an ongoing concern, according to a report from the Wall Street Journal yesterday). Continue Reading
Browsewrap Terms Enforced Due to Customer Knowledge of Existence of Terms
Last month, a California district court granted a web-based service's motion to compel arbitration of a putative class action brought by a user whose personal information was allegedly accessed in a massive 2016 data breach that involved 339 million user accounts. (Gutierrez v. FriendFinder Networks Inc., No. 18-05918 (N.D. Cal. May 3, 2019)). While the opinion noted that courts in the Ninth Circuit are traditionally "reluctant to enforce browsewrap agreements against individual consumers," the outcome of the case suggests that enforcement of website terms is not just a straight up-or-down analysis of the method used to present the terms to the user but may involve tangential, yet important interactions between the user and the site outside the initial registration process. Continue Reading


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The Conversation Workshop
Three Week Series
Wednesdays, starting Sept 19th
6:30 pm – 8:30 pm
Check in begins at 6:15 pm
Walk in registrations will be accepted
The Plaza Room
Journey Community Church
8363 Center...
Italian Lunch Fundraiser
Dine and Make a Difference!
Come and enjoy gourmet Italian food and support our El Salvador outreach and missions trip!
Sunday, November 18
12:30 pm in The Plaza Room
Please RSVP below
Men's Retreat: Sept. 21 – 23
Pine Valley Bible Conference Center
EVERY MAN HAS A STORY with Speakers James Ruiz & JJ Ruiz
Since the beginning of time, men have told stories around the fire - battle stories, difficult stories...
Student Ministries Lifegroups
Wednesday Lifegroups for 5th to 12th Graders -
FALL KICK OFF SEPTEMBER 12th @ 6:30PM. Learn more and register here.
Nichole Nordeman Benefit Concert
Nichole Nordeman
Benefit Concert for the Beauty for Ashes Scholarship Fund
Saturday, September 8, 2018 • 7 PM
Journey Community Church Worship Center
8363 Center Drive, La Mesa, CA
Live Concert + Artisan Marketplace


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Trip Planner: Europe / Greece / Crete / Heraklion Prefecture / Kounavi / Winery Stilianou
Winery Stilianou is located in Kounavi. Work out when and for how long to visit Winery Stilianou and other Kounavi attractions using our handy Kounavi tour planning website .
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Winery Stilianou Reviews
We were welcomed by Giannis Stilianou, the 4th generation owner of this fine winery! It's a small family owned winery and you can immediately feel the love they have for their products. A tour + tasin... more »
Винодельня Stilianou находится в небольшой деревне, вернее за деревней. Мы оставили машину в деревне и пешком дошли до винодельни. В деревне везде есть указатели, куда идти. Но туда можно и на машине ... more »The Stilianou Winery is located in a small village, or rather behind a village. We left the car in the village and reached the winery on foot. In the village everywhere there are pointers where to go. But it can be reached by car. We arrived somewhere in the middle of the day. We were greeted by the host's son and offered us a tour where he told about the winery, grape varieties and its cultivation, about the olive trees, about the process of wine production. Excursion paid 7 €/person with tasting. It was a great tour in English, but very detailed and understandable. We were alone on a tour while we tasted the wines, two more couples arrived. The views are chic, like wine and butter! In the photo with us the owner of the winery and his children, who help with the reception of guests at prices: Olive oil 1 L-€9 wine from 9-20 €View original
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24 days in Greece, Portugal & Spain BY A USER FROM PHILIPPINES May, popular sights PREFERENCES: May ATTRACTION STYLE: Popular sights PACE: Medium 15 days in Crete BY A USER FROM ITALY September, popular sights PREFERENCES: September ATTRACTION STYLE: Popular sights PACE: Medium 15 days in Crete BY A USER FROM ITALY September, popular sights PREFERENCES: September ATTRACTION STYLE: Popular sights PACE: Medium 14 days in Greece BY A USER FROM UNITED STATES May, popular sights PREFERENCES: May ATTRACTION STYLE: Popular sights PACE: Medium 20 days in Greece BY A USER FROM AUSTRALIA August, popular sights PREFERENCES: August ATTRACTION STYLE: Popular sights PACE: Medium 8 days in Agios Nikolaos & Heraklion BY A USER FROM NORWAY August, outdoors, relaxing, beaches, shopping, wildlife, popular & hidden gems PREFERENCES: August, outdoors, relaxing, beaches, shopping, wildlife ATTRACTION STYLE: Popular & hidden gems PACE: Medium
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IF you are a slave to loot-based, min/max ARPGs like I am then here is a place to share thoughts on games that you think are must-play and others that are must avoid...
IF you are a slave to loot-based, min/max ARPGs like I am then here is a place to share thoughts on games that you think are must-play and others that are must avoid...
A young man who wishes to remain a sound atheist cannot be too careful of his reading. ― C.S. Lewis
Wolcen: Lords of Destruction - When I first started playing this game is was in very early alpha, but what drew me to it was how it's leveling system breathed some life into that skill tree system, and how open ended the system actually is. As a genre game this would fall somewhere between Diablo III and POE but, unlike those two titles, there are no defined character classes. You build a character by learning skills (both martial and magical) and build you own combo attacks. The way this works is your character will always enter combat with a full mana bar ("umbra" in this game) and spending that resource builds rage, and rage fuels your martial attacks. Using a skill earns levels in that skill, and at various points you are given an option of two separate perks for that skill (ie. do you want shoot two fire balls or have it cost half as much umbra?). THe sum total is combat that lives up to the name... when you destroy mobs it really feels like you are the lord of destruction.
I would say the skill tree is most like POE, though, as your skill points are spend on passive augments to your active attack skills. Some of the more interesting, for example, involve unlocking spell damage that scales off of Strength to promote a sword and spell build, or faster rage build off of spell casting for the same purpose. The skill system is also build on concentric rings, and skill gems unlock in procession, like POE. THe twist is that the concentric rings can be turned such that progressing through one ring doesn't necessarily lead to a higher ring in the same field, you can turn the ring so that when you reach the end of progressing in the first ranged (dexterity) ring it will unlock the layer two tank ring, and so on.
Lots of fun, endless character customization options and things go boooooom.
A young man who wishes to remain a sound atheist cannot be too careful of his reading. ― C.S. Lewis
Warhammer 40k: Inquisitor - Martyr - This game has eaten a LOT of my time lately as it has been approaching beta release. Right now the story has not been implemented, and the game plays like a huge Warhammer 40k sandbox, which is fine by me. Unlike pretty much every other ARPG in existence, Martyr sets aside the Game+ mechanic by essentially dropping up in a game is a huge, arcing gear/level progression and a story that pretty much forces you in to a series of mini-grinds to gear up for the next stage of the story.
While Martyr has established classes (Crusader, Psycher and Assassin) each class is hugely customizable to the point that all classes can fill the same roles in any number of ways. Character leveling is also interesting in that the skill modification skill tree (see: POE) is account based, rather than character based, so every time you start a new character you will get the number of skill points that you have earned for the account, giving each new character a rather substantial head start. Attack skills are weapon based in a system very similar to Guild Wars 2. If you run a Bolt Gun you will always have the same 4 attacks, but how those attacks are used really depend on the buffs you give them in the skill tree (to an extent) and your various gear bonuses. On top of the skill tree there is also perks that are account based. You start the game with one perk slot open and can unlock an additional two by the time you reach your account cap level of 80. These perks probably need some work as they range from fairly useless to ungodly overpowered at this point. Each perk is unlocked by completing Heroic deeds, which are essentially this game's version of achievements. For instance, you can unlock a perk that increases base weapon damage by 30% and the cost of no longer doing critical hits if you kill 1000 enemies with grenades. I've never been a guy who cares about achievements in games, so giving them actual utility is welcome.
That said, right now there is a certain perk that makes you take 20% more damage when your health is over 50%, and take 40% less damage when your health is below 50%. This is pretty broken (and I love it) because armor and some gear offer a flat damage mitigation off of NET damage taken, so if you are hit by a net 100 damage and have 60 mitigation you take 40. With the perk active that same attack (think DOT flamethower) would do 60 damage per tick until you hit 50% health and then ZERO damage after that. My Crusader runs through missions at 50% health almost constantly and impervious to attacks with damage below about 150.. meaning I really only worry about bosses. Add to that the existence of attack type mitigations on gear and you can make characters pretty easily that are simply immune to certain attack types.
Character based levels right now only determine which weapons you can use, and become an after thought after level 20 when you unlock the last items and weapons in the game. This could use a lot of work since there are 30 levels to go after you unlock all weapons. The only thing that happens on hiting a new level after than is you get a reward cache of some weapons, armor and gear that are usually vendor trash.
Crafting is also pretty detailed and essential to early progression, but becomes pretty pointless in late game when you start to get kitted in relic-level gear. At that point the extent to which you can craft is in fusing a piece of relic gear to 4 other pieces of relic gear to get a much more powerful version of that item.
Anyway, the scope of Martyr is jaw dropping. I have sunk about 80 hours in to the game and have just approached max gear score in the alpha of 1500 and just realized that the alpha only covers about 20% of the game world, with the taking place in just the first of 5 (?) star clusters. Add to that the boast by the dev team (need a grain of salt with that) that their intention is to eventually pull every race and faction from WH40k into the game through DLC. Essentially GW has gifted the developers with a previously unmentioned section of the galaxy in WH40K canon to develop as they see fit. The current quest line pits Human Inquisitor PCs against Chaos, Nurgle and Rebel Factions with future plans to deal with incursions to the sector by Orks, Undead etc. etc.
Very excited about this game. It will be in a short beta to test the quest line, but it is a mostly finished product and will go full release in April.
A young man who wishes to remain a sound atheist cannot be too careful of his reading. ― C.S. Lewis
There's Borderlands, and then there's everything else.
Liberals: Demanding the freedom to write laws to take freedoms away from people they don't agree with.
A young man who wishes to remain a sound atheist cannot be too careful of his reading. ― C.S. Lewis
Well, INQUISITOR has been delayed to June 5th -- which is old news for those of us following the game since the official release day was supposed to be last Friday.
I'm not really all that worried about it though since all that seems to be missing in the game is the story line, the mechanics of the game have been pretty solid for a while.
There is a final beta coming out on Monday that should be the pre-Final, complete with most of the story elements, so I'll probably give that a try, but I won't play too much of it since there will be one last character wipe before the final release, so I'm not going to get too attached to grinding the new toon.
A young man who wishes to remain a sound atheist cannot be too careful of his reading. ― C.S. Lewis
Wolcen: Lords of Destruction - The game has entered Beta, with a complete Act I, and it has improved tremendously since I began playing. Granted, that was alpha, so...
The combat system really is a great step forward for the genre. There is a meaningful hybridization system between meleers, ranged and magic... thoiugh, as of this writing there is only one logical choice, or.. well, two... and for obvious reasons.
The system works like a normal ARPG when it comes to magic. You have a mana pool ("will" in this game) that you cast spells from, but you alse have a "rage" pool that you execute melee and ranged skills with. Will works the way you expect. You enter combat with 100% of your will, it gets drained as you cast. Casting spells also dump some of the lost will into the rage pool. With this system it is possible to play a hybrid class that opens with magic and finishes of CCs with rage skills. Good system.
As such, pure mages play just as you would expect. Rage declines over time, and some of the rage decline is sent back to the Will pool, allowing you to seesaw back and forth, but it isn't a perfect engine so you will need to occasionally prime the system with a will or a rage potion (they missed a boat here... the rage potion should totally be alcohol).. but that is where the system falters, at least in early game. Since rage deteriorates, you will never enter a fight with 100% rage, you will need to build rage in order to do moves.. that either means you spam weak attacks to build rage as a pure meleer/ranged or you down rage potions, either way is sub-optimal when a pure wizard starts ever fight with 100% Will and can just unload on enemies from the start. My beam mage obliterates everything on screen before my will runs out, and if the will does run out I also pack a pistol, a weapon whose skills use rage.
For this reason the hybrid mage is the best class by far, with a pure mage coming in second.
As an ARPG, though, it is really rather good. It is Diablo 3 with innovation and no set classes. In Wolcen the class system only grants you your starting skills, but you can really make your character whatever you want within the system. The one caveat being that all skills are tied to weapon type, so you have to dual wield 1H weapons if you want to do hybrid.
A young man who wishes to remain a sound atheist cannot be too careful of his reading. ― C.S. Lewis


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Tnaflix 7: I asked Uy if I could meet Chamnan, who is now 22, but it wasn't possible. I am the best friend of your loneliness as well as your fantacy. Eventually, Ana agrees to some of the activities listed in the contract, giving explicit verbal consent. Mu Sochua has never been a member of the CPP. Just surviving daily life while trying to heal from child sexual abuse requires a thousand times the strength it would require for someone without awareness to pursue a successful career.
So, here's the reality:
Virginity for sale: inside Cambodia's shocking trade
Welcome back! Lindh is the most famous jihadist America has ever produced. Love it or despise it, American culture's sexual fantasy of the moment is Fifty Shades of Grey. My mother sold me, and drove me wherever, whenever she got the call. Google Plus. T he call came inshortly after Easter. VintageTube


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Atlanta Two cousins, with different views on art versus commerce, on their way up through the Atlanta rap scene; Earnest 'Earn' Marks, an ambitious college dropout and his estranged cousin,…
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|Document Type:
|All Authors / Contributors:
Rajiv 1979- Rao
|9781138954601 1138954608 9781138954618 1138954616
|OCLC Number:
|xvii, 355 pages ; 24 cm.
|IntroductionRajiv RaoPart I The Sound System of Spanish1 Description of Spanish Vowels and Guidelines for Teaching ThemEugenio Martinez Celdran and Wendy Elvira-Garcia2 Pronunciation in the L2 Spanish Classroom: The Voiceless Stops /p, t, k/Mary L. Zampini3 Suggestions for Teaching Spanish Voiced Stops /b, d, g/ and Their Lenited Allophones [ss , d , ]Manuela Gonzalez-Bueno4 A Theoretical Framework in the Acquisition and Teaching of Fricatives to L2 Learners of SpanishA. Raymond Elliott5 Issues in the Teaching of Spanish Liquid ConsonantsBenjamin Schmeiser6 The Polymorphism of Spanish Nasal StopsCarlos-Eduardo Pineros7 Incorporating Syllable Structure into the Teaching of Spanish PronunciationSonia Colina8 Improving Non-Native Pronunciation: Teaching Prosody to Learners of Spanish as a Second/Foreign LanguageCarme de-la-MotaPart II Pedagogical Challenges and Suggestions for the Classroom9 Spanish Pronunciation and Teaching Dialectal VariationGerman Zarate-Sandez10 Incorporating Technology into the Teaching of Spanish PronunciationGillian Lord11 Navigating Orthographic Issues in the Teaching of Spanish PronunciationYasaman Rafat and Scott James Perry12 The Role of Perception in Learning Spanish PronunciationC. Elizabeth Goodin-Mayeda13 An Analytical Approach to Teaching Spanish Pronunciation to Native Speakers of German: First Language and Age of First Exposure as Crucial Factors Conxita Lleo and Marta Ulloa14 Teaching Pronunciation to Spanish Heritage SpeakersAmanda Boomershine and Rebecca Ronquest15 Spanish Pronunciation and Teacher Training: Challenges and SuggestionsManuel Delicado Cantero, William Steed, and Alfredo Herrero de HaroGlossary
|Series Title:
|Routledge advances in Spanish language teaching
|edited by Rajiv Rao.
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Pre order for release date 16th March 2018
The EP was originally released in 2010 as a
companion EP to 2009's The Underfall Yard album. The EP originally came in
two different versions, an import version which featured Kingmaker as the lead
track and a UK version which featured a cover of an Anthony Phillips song
called Master of Time as the opening track.
For this re-issue, the band have for the first time,
included both Kingmaker and Master of Time. The EP has also been remastered by
Rob Aubrey with a minimal mastering approach to provide the best
possible sound. And the booklet has been expanded to 14 pages.
1. Kingmaker - 10:33
2. Fat Billy Shouts Mine - 6:27
3. British Racing Green - 3:59
4. Brambling - 4:55
5. The Wide Open Sea - 17:44
6. Master Of Time - 7:45
Big Big Train - Far Skies Deep Time EP
- Product Code: EERCD009
- Availability: In Stock


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NB: Before reading the QINGHAI SPRING MEDICINAL RESOURCES TECHNOLOGY CO.,LTD analysis below, we'd like to bring your attention to some excellent services for trading stocks like this:
Beat The Market Analyzer: http://tallahasseescene.com/recommended-tool-for-SHANGHAI600381-investors (this is a fantastic tool – use this to analyze QINGHAI SPRING MEDICINAL RESOURCES TECHNOLOGY CO.,LTD in much more depth)
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REPORTING FOR 2019-07-16 | TALLAHASSEESCENE.COM: We have conducted a deep analysis of how QINGHAI SPRING MEDICINAL RESOURCES TECHNOLOGY CO.,LTD (600381) has been trading over the last 2 weeks and the past day especially. On its latest session, QINGHAI SPRING MEDICINAL RESOURCES TECHNOLOGY CO.,LTD (600381) opened at 5.95, reaching a high of 6.04 and a low of 5.95 before closing at a price of 6.0. There was a total volume of 223241.0.
VOLUME INDICATORS: We saw an accumulation-distribution index of 11.96, an on-balance volume of -5.96, chaikin money flow of 1.0 and a force index of 0.0081. There was an ease of movement rating of 0.00121, a volume-price trend of -0.51165 and a negative volume index of 1000.0.
VOLATILITY: We noted an average true range of 0.14525, bolinger bands of 6.02314, an upper bollinger band of 5.79686, lower bollinger band of 5.95, a bollinger high band indicator of 1.0, bollinger low band indicator of 1.0, a central keltner channel of 5.98, high band keltner channel of 5.89, low band keltner channel of 6.07, a high band keltner channel indicator of 1.0 and a low band keltner channel indicator of 1.0. There was a donchian channel high band of 5.95, a donchian channel low band of 5.95, a donchian channel high band indicator of 1.0, and a donchian channel low band indicator of 1.0.
TREND: We calculated a Moving Average Convergence Divergence (MACD) of -0.00179, a MACD signal of -0.001, a MACD difference of -0.0008, a fast Exponential Moving Average (EMA) indicator of 5.95, a slow Exponential Moving Average (EMA) indicator of 5.95, an Average Directional Movement Index (ADX) of unknown, an ADX positive of 20.0, an ADX negative of 20.0, a positive Vortex Indicator (VI) of 1.0, a negative VI of 1.0, a trend vortex difference of 0.53508, a trix of -6.85741, a Mass Index (MI) of 1.0, a Commodity Channel Index (CCI) of -66.66667, a Detrended Price Oscillator (DPO) of 0.5498, a KST Oscillator (KST) of -84.58722 and a KST Oscillator (KST Signal) of -84.58722 (leaving a KST difference of -3.07702). We also found an Ichimoku rating of 5.995, an Ichimoku B rating of 5.995, a Ichimoku visual trend A of 6.6756, an Ichimoku visual trend B of 6.5757, an Aroon Indicator (AI) up of 4.0 and an AI indicator down of 4.0. That left a difference of -4.0.
MOMENTUM: We found a Relative Strength Index (RSI) of 50.0, a Money Flow Index (MFI) of 25.55224, a True Strength Index (TSI) of -100.0, an ultimate oscillator of -19.57373, a stochastic oscillator of 100.0, a stochastic oscillator signal of 100.0, a Williams %R rating of 800.0 and an awesome oscillator of 0.00617.
RETURNS: There was a daily return of -8.45872, a daily log return of -1.35366 and a cumulative return of -1.34454.
What the heck does all of this mean? If you are new to technical analysis, the above may be gibberish to you, and that's OK (though we do advise learning these things). The bottom line is that AS OF 2019-07-16 (if you are reading this later, the analysis will be out of date), here is what our deep analysis of technical indicators are telling us for QINGHAI SPRING MEDICINAL RESOURCES TECHNOLOGY CO.,LTD (600381)…
To stay up to date with what is happening here, we strongly advise QINGHAI SPRING MEDICINAL RESOURCES TECHNOLOGY CO.,LTD investors to subscribe to MarketBeat.com's daily email newsletter for updates, news and analyst ratings on stocks like QINGHAI SPRING MEDICINAL RESOURCES TECHNOLOGY CO.,LTD – without this you are trading blind:
We will of course continue to cover the news and price action of QINGHAI SPRING MEDICINAL RESOURCES TECHNOLOGY CO.,LTD, but it's easiest for you to just subscribe to MarketBeat's newsletter above so you don't miss anything.
DISCLAIMER: We are not registered investment advisers and the above analysis should be taken at face value only. We strongly advise against buying or selling QINGHAI SPRING MEDICINAL RESOURCES TECHNOLOGY CO.,LTD (600381) based solely on our analysis above, and are not responsible for any losses that you may incur if you choose make any investment decisions based on the above.
Abigale Lormen
Latest posts by Abigale Lormen (see all)
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In the past this was a Whole Foods Store and since 2014, this has been one of the Top Tier MMA Gyms in the Springfield for Brazilian Jiu Jitsu, Judo, Junior Judo, Boxing. There are 2 portions of the building, the original portion which is 4,800 sq ft and was built in 1985 and the back addition was built in 2015 and has 2,400 sq ft. All utilities are separate except the water. Building is in excellent and well maintained shape. Parking available for 40+ cars. Appx 176 ft of frontage. The property is situated on two lots, on 1.64 acres (N lot in German TWP, S lot in Spfld TWP) S. Prime Location adjacent to National Retailers, directly adjacent to Speedway Gas Station to the South, Taco Bell and McDonalds to the North. Newly restored strip mall across the street. Access to Highway 68 (N or S), RT 4 and I-70. Wooded 0.5 acres are ideal for a future expansion. Lease Option available with $2,500 / mo. Possible Owner Financing with $50,000 down +, 1-5 year balloon, possibly.
1.64 Acres
Electric Water Heater
7,200 sq. ft
Natural Gas, Sanitary Sewer, Three Phase Available
Exterior / Lot Features
- Parking
- Gravel, Paved Driveway, Lot, On Site, Open Space.
- Pool
- None
- Lot Dimensions
- Irregular
- Zoning
- Business,>
- Additional Exterior/Lot Features
- Wooded.
Financial Considerations
School Rating Out of 10
|Public Schools
|Private Schools
Data Provided by GreatSchools.org
Walk Score measures the walkability of any address, Transit Score measures access to public transit on a scale of 1-100.
Walk Score
Transit Score
Active Market Trends
Source: MLS DATA
Median list price
Days On Market
Properties For Sale
Sold Market Trends
Source: MLS DATA
Median sold price
Sales-List Price
Properties sold
Median Sq. Ft. Price
Arrows indicate 90 day trend
Source: Western Regional Info System & Tech


text:
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Home > Financial Assistance > Scholarships > Top Apprentice Scholarships
The Top Apprentice Scholarships recognize apprentices who have achieved both a very high academic standing in their technical training and a strong employer recommendation. Apprentices do not apply for the Top Apprentice Scholarships. The Alberta Apprenticeship and Industry Training Board determines the top apprentice for each scholarship based on an apprentice's technical training marks and other selection criteria established by the donor.
Receiving Your Scholarship Cheque
Cheques will be mailed by November 1. Apprentices are reminded to check their address in MyTradesecrets is current.
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Congratulations to Alberta's Top Apprentice Scholarship recipients:
Learn about compliance under the Apprenticeship and Industry Training Act and the legislative framework and policies for the apprenticeship and industry training system.
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Filipino Heritage Night at the San Jose Earthquakes is back! Join the fun and come out and support the San Jose Earthquakes, Filipino American National Historical Society Santa Clara Valley Chapter (FANHS-SCV), Filipino Youth Coalition (FYC), LEAD Filipino, and the Bay Area's Filipino American Community!
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For Questions, contact Rohan Dorairaj at 408-56-7711 or firstname.lastname@example.com


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1 in. H x 25 in. Diameter
United States
Mid to Late 20th Century
A vintage copper sunburst wall-mounted sculpture made in the 1970's by Curtis Jere.
Show more info
A Modern style sunburst wall sculpture signed C Jere 1987. In great vintage condition.
Post-Modern wall sculpture of a glamorous woman in a iridescent black dress smoking a cigarette.
A circa 1970's Brutalist wall sculpture, comprised of mixed metal leaves against a background of artistically arranged welded nails.
A Curtis Jere patinated bronze plated brass and metal hot air balloon with festive flags and a wheeled cabin, reminiscent of Jules Verne or the Steampunk movement, circa 1970's.
French Empire sconces with swan motif in brass dating from the late 19th century.
Unique Guive Khosravi Smoking Space Man Robot artwork inspired by street art, tattoos, and pop culture.
A vintage Curtis Jere brass pinwheel wall sculpture.
Large Industrial style vintage door hinge made in brass, consisting of two functioning parts.
A phenomenal pair of Brutalist mixed-metal relief plaques or wall-mounted sculptures with great texture and patina in the manner of Paul Vanders, circa 1970.
Don Freedman wall sculpture of overlapping hoops in various sizes and heights; alternating silver and bronze tone metals.
A large vintage Russian sculptural medallion architectural element depicting a King surrounded by script. The piece is in good vintage condition with age appropriate wear; some scratches and loss of finish around back edge.
A Brutalist Mediterranean metal village with enameled brightly colored patio umbrellas designed by Curtis Jere, circa 1970s.
American Brutalist abstract wall sculpture made of welded metal by Silas Seandel.
Mid-Century Modern oversized brass shredder or cheese grater designed by Curtis Jere in 1979.
A cast bronze depiction of the head of King Sargon, ruler of the Iraqi Akkadian Empire. Cast in the late 20th century.
American Folk Art carved and painted cartoon wood plaque featuring a Mickey Mouse.
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Curtis Jere wall-mounted sculpture in the shape of a tree branch.
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Sold By : Savyaa Designs
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Product Information in this website has been provided by the seller and while we try to keep the information up-to-date and correct, we make no representation or warranties of any kind including the content , ownership, completeness and accuracy. In no event , shall RedDoko be liable for any direct and indirect losses caused by product information. Any copyright infringement caused by the product information shall be removed upon the request or notice.


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Inspiring Bathroom Shower Remodel and 15 Shower Remodel
Project Info
Category: Bathroom Remodel Ideas Walk In Shower
Date: August 25, 2019
Site URL: www.centralazdining.com
Project Description
Exciting Walk. Exciting Walk. Exciting Walk. Master Bath Remodel with Open Walk. Exciting Walk. The 25+ best Shower no doors ideas on Pinterest. Bathroom Design Ideas Walk In Shower (Bathroom A Brief. Bedroom & Bathroom: Nice Walk In Shower Designs For Modern. Exciting Walk. Exciting Walk


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Write complete website contents for our Recruitment Agency website
Budget $30-250 SGD
We are looking for complete website content writing services. Our business is Recruitment Agency or an Employment Agency in Singapore our website address is [login to view URL] Website content needs to be SEO [login to view URL] is mandatory. Need really good content based on Singapore Recruitment Agency pattern and [login to view URL] must be done on this and corresponding content to be provided. You are welcome to provide new ideas and therefore new pages can be added too.
Awarded to:
Hi, I am thrilled to submit a bid for the content development of your website. I understand how employing various literary devices coupled with the accurate diction and multicultural techniques and strategies can enti More
41 freelancers are bidding on average $103 for this job
Hello, I can provide you Complete Original, Unique, Fresh and Eye-catchy content. My content will be fully SEO friendly with proper keywords positioning. Free from Copyscape and plagiarism, 100% Proofread before subm More
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text:
New Nokia 7.2 smartphone poses for the camera - 6 hours ago
Samsung Galaxy Note 10+ reviewed on video - 6 hours ago
Samsung Galaxy Note 10 handsets land on Vodafone UK - 6 hours ago
Android Q is called Android 10, gets a new logo - 6 hours ago
Motorola One Action smartphone had launched in India - 6 hours ago
Samsung Galaxy Note 10+ gets unboxed (Video) - 6 hours ago
Minecraft Earth beta hits Android next week - 12 hours ago
Hades is coming to Steam Early Access in December (Video) - 12 hours ago
iOS 13 beta 8 vs iOS 13 Beta 1 (Video) - 12 hours ago
Bose Portable Home Speaker comes with AirPlay 2 and Spotify Connect - 12 hours ago
Further testing on sunscreen is needed. That's no reason to avoid it
A recent JAMA study evaluated the systemic absorption (through the skin and into the body) of active ingredients in four sunscreens, and found at least one active ingredient in the four products entered the bloodstream.
The ingredient, avobenzone, measured a maximum plasma concentration of 4.0 ng/mL. The threshold for testing is .5 ng/mL.
The study's takeaway is that the findings warrant further testing. And while "further study" might elicit alarm bells to some, for Bruce Brod, professor of dermatology at the Perelman School of Medicine, this doesn't mean that it is an ingredient to avoid. In fact, quite the opposite.
"The important point of the study is that there haven't been any safety red flags that emerged," explains Brod.
Sunscreen is considered an over-the-counter drug—it is regulated by the FDA, and the FDA has been charged with updating the monograph on 12 commonly used sunscreens. The monograph determines how the ingredients should be used and formulated in products. Part of this update requires safety testing. The way sunscreen is used has changed over the years, and the FDA is just "catching up," says Brod, to standard pre-market safety evaluations.
"The FDA is requiring normal testing on over-the-counter sunscreen to demonstrate safety. The reason it's happening now is because the monograph—which is required for over-the-counter-drugs—has not been updated to reflect the changing way sunscreen is being applied."
The two types of sun protection cream are chemical sunscreen with ingredients like avobenzone that absorb UV rays, and sunblock, with ingredients like titanium dioxide and zinc oxide, that reflect UV rays. A decade ago, the sunscreen market went through a period of public concern and confusion regarding micronized physical sun blockers. In 2009, testing of microsized titanium and zinc blockers found no penetrants in the bloodstream. Earlier this year, the FDA formally declared mineral sunscreen ingredients are safe, specifically zinc oxide and titanium dioxide. Testing on avobenzone and chemical sunscreen chemicals are following the same protocol.
"It's good news that tech has evolved to micronize physical UV blockers," says Brod. "Consumers want to have safe choices, and many find zinc and titanium sunblock to be 'inelegant.' Now consumers can choose sunblock that is not as chalky on the skin, or a chemical sunscreen, and know that both are safe."
However, Brod has a clear message that echoes the FDA: Sunscreen shouldn't be the only tool to protect against the sun. "This we know: Sunlight causes cancer. Sunscreen plays a role against something that causes cancer. Performing additional safety tests is never a negative thing; it doesn't mean it's unsafe."
The best protection is to avoid the sun when possible, and wear sun protective clothing. Even 15 minutes of sun exposure on unprotected skin can result in a sunburn. The American Academy of Dermatology confirmed that 80% of the sun's UV rays can penetrate the skin on a cloudy day. And a long-term study conducted in Australia confirmed that repeated exposure to the sun without sun protection results in an increase of wrinkles and tissue regeneration. Studies have repeatedly confirmed the damage UV rays have on the body, and clinical trials of sun protection are now catching up.
Source: University of Pennsylvania
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text:
The project is about the aging gap in Northern Ireland between men and women
The focus lies on the visualisation of this gap. It is already known that statistically women become older than men and this data visualisation should point out the extreme difference. The open data set which is used for the visualisations contains information from the years 2001 to 2017. The Visualisation concentrates on 100 year old people. Especially in such an old age, these differences become clearly visible. The main question about this datavisualisation: Is the gap between women and men high enough to see a clearly difference? The aim of this project is to show the difference in two ways: a) with a line chart visualisation and b)with pie charts that show the percentage between women and men. All the pie charts from different years should document the change of the aging gap.


text:
Montana FWP opens comment on state bison plan
Montanans have 90 days to weigh in on if and how they'd like Montana Fish, Wildlife & Parks to proceed with establishing a state bison herd.
At Thursday's FWP commission meeting, Non-game Wildlife Management Chief Lauri Hanauska-Brown announced the release of a draft environmental study for the possible creation of a state bison herd.
"This is a different effort from the (Yellowstone) IBMP or the west-side expansion. The purpose is to determine whether the restoration of bison is appropriate somewhere in Montana," Hanauska-Brown said. "These are not site-specific alternatives - they are broad alternatives."Read More


text:
Phone: 919-284-2821 Extension 3233
Degrees and Certifications:
Miss Rachel Jones
My name is Rachel Jones. I am a fifth grade teacher and this is my first year at Glendale Kenly-Elementary School! I was born and raised in Buffalo, New York. I moved to North Carolina almost ten years ago and currently reside in Farmville. I recently graduated from East Carolina University (Go Pirates!). I am engaged and will be getting married next June.
These are a few of my favorite things:
Color... Black
Subject... History
Sport... Football! Go Bills!
Snack... Chocolate
Hobbies... Cleaning and organizing, traveling, being silly, and dancing.
JCPS Announcements
Here Comes the Bus coming Fall 2019
Johnston County Public Schools will begin using Here Comes the Bus in the 2019-2020 school year! Here Comes the Bus is a school bus tracking app that gives parents real-time bus location information and alerts to get students to the bus stop on time. The app is expected to roll out by the first day of school, August 26...
New deadline in JCEF grant process
The Johnston County Education Foundation has changed its grant process from a three cycle a year process, to a once a year process. The grant deadline will now be November 15th each year and Grant Patrol will be held on the first Wednesday of December.
Free and Reduced Meal Applications
Free and Reduced meal applications for the 2019-2020 school year are now available online. A new application must be completed each school year...
Orientation dates set for JCPS
The orientation dates and times are set for Johnston County Public Schools for the 2019-2020 school year...
School Announcements
Upcoming Events
4:00 PM - 6:00 PM Meet the Teacher Orientation
September 2, 2019
September 3, 2019
September 5, 2019


text:
Name: Download classic piano collection
File size: 101mb
Language: English
Rating: 6/10
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