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THE ECONOMICS OF INVESTING: How to read the credit cycle and boost stock market earnings
The credit cycle is one of those badlands along the border between economics and investment that sensible people tend to avoid. Why?
Well, for one thing it is quite complicated. For another, no-one can ever entirely agree what it tells us.
And just to add to the disincentive to saddle up and head into this tricky piece of territory, the credit cycle is not something for which you will find regular, published updates on the City pages of your newspaper. Investors have to work it out for themselves.
Key indicator: The credit cycle can be a good predictor of stock market earnings, if you know how to read it.
All that said, credit is the great motive power of a modern economy and close observation of its patterns can give us a good idea of where we are and where we may be going.
First things first, where do you find the raw material you need?
Go to the Bank of England website and click on the 'statistics release calendar'. The first of the two monthly releases that you want is entitled 'sectoral breakdown of aggregated M4 and M4 lending'. Snappy, eh?
Click on this, click on the 'statistical release' and scroll down to Table C.
The column you want is the one headed VYVV, which measures the change in the amount of funds raised by companies from banks and in capital markets. You will see that the figure fell by £300million in December.
Back to the statistical release calendar and click on 'lending to individuals'. This is the other half of the equation and relates to lending for mortgages and consumer credit.
Added together, lending on mortgages and consumer credit rose by £1.7billion in December. So the net addition to credit in the month was £1.7billion minus £300 million, or £1.4billion.
Now, one month's figures are too volatile to read too much into them, so those clever people at Deutsche Bank have added up quarterly figures, and found a fall of £3.3 billion in the fourth quarter of last year.
That compared with a rise of £5.4 billion in the fourth quarter of 2011. Don't worry – this is the last bit!
You then figure out the change in total credit as a percentage of 'nominal' gross domestic product, that is to say GDP in current cash terms.
This can be found from the second estimate of GDP every quarter, or from the quarterly national accounts, both of which are available from www.statistics.gov.uk.
The fourth-quarter 2011 increase amounted to 1.4 per cent of GDP, while the fourth-quarter 2012 decrease amounted to 0.8 per cent of GDP.
Thus the swing-round was minus 2.2 per cent. In other words, the direction of the credit cycle has been negative.
So should you sell everything? Not necessarily. Looked at over a longer period, the credit cycle seems to have been pretty flat.
But the cycle has been a good predictor of stock-market earnings in the past, according to Dhaval Joshi, managing editor at independent researcher BCA.
Working out the direction of the credit cycle may be hard, dusty work. But it could prove worth it.
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NBC News
The biology behind a beer's 'bite': You're tasting carbonic acidAug. 21, 2013
Philadelphia Inquirer
Research: Cancer detection the canine wayAug. 19, 2013
Red Orbit
Children's health suffers from bitter medicineJuly 25, 2013
ABC News
Taste receptors found in mouse testicles linked to fertilityJuly 3, 2013
FOX News
Infertility may be linked to taste genesJuly 2, 2013
Savory and sweet: A taste for infertilityJuly 2, 2013
Taste gene inactivation causes male sterility, finds mice studyJuly 2, 2013
Nature World News
A man's sense of taste may be linked to infertility: A studyJuly 2, 2013
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Infertility may be linked to taste genesJuly 1, 2013
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Scientific American Blogs
Losing the "taste" for spermJuly 1, 2013
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Monell's outstanding scientists and their innovative research are frequently featured in major news stories all over the world. Click the links on the right to see recent headlines featuring Monell science.

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Details At A Glance
Address: 820 Wesley Ave Ocean City, NJ 08226
- Property Type: Condo
- Location: 3 Blks from Beach
- Bedrooms: 5
- Bathrooms: 4 full
- Max Occ: 16
Known as the Queen of Wesley on Doctors Row....A stunningly beautiful, new (built in 2012) Ocean City, NJ vacation rental that is unrivaled and second to none, there is nothing like it on the island! Located on Wesley Avenue (between 8th and 9th Street) in Ocean City's Historical District, it is uniquely quaint and tranquil with only a two minute walk to Ocean City's treasured beach, boardwalk and/or downtown! With parking at a premium in this ideal location, we offer 3 off-street parking spaces. (one in the garage and two behind the garage). Once you arrive, all you need to do is just park your car(s) and enjoy the benefits that the city has to offer...you will not need your car until you are ready to leave. Located within close walking distance to all the BEST that Ocean City has to offer, you can easily walk to the Boardwalk, Music Pier, Beach, Downtown, Miniature Golf, Restaurants, Amusements, Entertainment, Playgrounds, Arcades, Basketball/Tennis Courts, Water Slide. just to name a few, whenever the mood suits you and your family even if it's just for dessert after dinner. Our home has all the amenities that one can offer and more! The layout of this unit has never been built before (please see our floor plans in the photo section). Located on the first floor with a unique blueprint, our home offers 5 spacious bedrooms with large bay windows that are all equipped with flat screen TV/DVD combo units, 4 full baths, an expansive kitchen that contains a long breakfast bar that can easily seat 5, granite countertops, state of the art stainless steel appliances, a massive dining room table that seats 8 and plenty of room to enjoy a family meal or get together with all the cooking amenities needed and lots of options for dining. The large living room area comes with a 50" flat screen TV and lots of seating, plus a large multi-purpose bonus room (garage level) for extra entertaining that includes a full size couch (with a pull out bed), dining table and chairs for eating and/or games, a 50" flat screen TV and a full size bathroom. With 2800 square feet of living space, it's the ideal home for family vacations or get togethers. This one of a kind property has NO steps in the interior of the home making it perfect for small children and the elderly who want to come and relax down at the shore. Coupled with a large front porch where everyone can enjoy the scenes of the city and the ocean breezes we offer a spacious deck off the master bedroom where you can relish in a well-deserved haven. Moreover, there is a private entrance and direct access from the garage level that includes a large storage area for your bikes and/or beach gear, that leads to the bonus room that includes a full size bathroom, plus an outdoor shower for your convenience that provides for a quick and easy cleanup after the beach. Our home is smoke/pet free and cleaned to perfection. Between the modern elegance of its traditional /historical style and its unbeatable location makes for the perfect OC getaway! A one of a kind, 1st floor condo that compares with the finest of beach shore rentals that is perfect for your family vacation.
- Bedrooms - 5.00
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- A/C Type - Central
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- Location - 3 Blks from Beach
- Floor/Level - 1st Floor
Outdoor Amenities
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- BBQ Type - Charcoal


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We offer a variety of buffet options, group wine tastings, and the BEST cocktails in the area. Call (608) 637-3031 or email firstname.lastname@example.com to learn more.
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There are 174 Removals in Henley-On-Thames, and last month we helped 46883 homeowners get quotes for their home improvement jobs.
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Here at Que Gardens we thrive on making all our customers happy. We are a friendly family run business who do our very best to work with our customers and give the best job we possibly can.
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Are you looking for a removal company that can transport your belongings to another location in the UK or Europe? Or do you need a packing and unpacking service or even a furniture dismantling or assembling service for when you are moving? Contact us at UK Mover, and we will work out an affordable price customised exactly to your needs. We take the stress away from the moving process by offering you a full-service solution for when you are moving. We allow you to relax, take in the moving experience and enjoy your new home as soon as you arrive. Whether you need to clean your existing house or are looking for a company to pack all your belongings a few days before you move, our experts can be on hand with whatever your needs are. Our experts can get your possessions from A to B in perfect condition, we have expertise in packing all kinds of items securely with no room for movement.…
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Activities and Projects
New Zealand composer Peter Hobbs has released a single and 360° video to commemorate the 100th anniversary of the First Battle of Passchendaele (fought on 12 October 1917).
A new exhibition looking at Passchendaele from the perspective of those who took part. National Library of New Zealand, Wellington, 8.30am - 5pm.
To place the Anzac poppy flower head on the places such as roads and facilities that are named after wartime activities or people.
This book, launched in October 2015 by Lt Col Lee Turner with the foreword signed by HRH Princess Anne, records the 100 year history of the Royal New Zealand Nursing Corps.
A publication telling the little-known story from the end of the war when New Zealand troops cut a giant Kiwi into the chalk hill behind Bulford camp, England. Published in 2018.
Spurred On is a compelling interactive documentary following New Zealand actor Dean O'Gorman to Passchendaele, the site of New Zealand's darkest day in the First World War.
A novel for children and young adults by Philippa Werry (author of "Anzac Day" and "Armistice Day")
As part of Southland's commemorations, Venture Southland has coordinated the production of 169 street banners and 43 flags. These flags will be displayed throughout the region.
Balls, Bullets and Boots explores the impact that the First World War hostilities had on New Zealand's signature sport and its sportspeople.
While observing a variety of animals, students on this learning programme at Orana Wildlife Park will discuss symbolism and the effectiveness of animal imagery in First World War propaganda posters.
Exhibition of 44 embroidered panels telling some of the moving personal stories of Kiwi soldiers, nurses and doctors welcomed in the community at Hospital No 2 Walton on Thames between 1915 and 1920
An MA History thesis looking at the identification and quantification of the NZers employed in the mercantile marine, historiographical analysis and a microhistory of SS Aparima.


text: Home music Jay and Sir Crypto Ft Yung6ix – Big Bags music [Music] Jay and Sir Crypto Ft Yung6ix – Big Bags By Hilary - 26/01/2019 0 Facebook Twitter Google+ Pinterest WhatsApp Jay-Sir-Crypto-ft-Yung6ix-Big-Bags Jay and Sir Crypto drops a new song titled "Big Bags". They feature Yung6ix on this jam. Listen and download below 👇 :- http://toptunez.com/wp-content/uploads/2019/01/Jay_Sir_Crypto_Ft_Yung6ix_-_Big_Bags_toptunez.com_.mp3 DOWNLOAD AUDIO HERE; Related RELATED ARTICLESMORE FROM AUTHOR music [DOWNLOAD Song MP3] Dreamz_Be There music Download Mp3: Yung Flames – Kolo music [Download MP3] King Salama – Ke Ja Life LEAVE A REPLY Cancel reply Please enter your comment! Please enter your name here You have entered an incorrect email address! Please enter your email address here Save my name, email, and website in this browser for the next time I comment. Notify me of follow-up comments by email. Notify me of new posts by email.


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Stressing on the need to change educational reforms, he said multi-disciplinary problem solving engineers are today's need.
Speaking on the theme of the conference "Systems solution for global challenges, energy, environment and society," he informed that 500 giga joules of energy is spent globally and 85 per cent of energy is obtained from burning fossil fuels. This has led to global warming and ecological crisis, he said and regretted that the people are technologically arrogant and under the mindset that the technology that creates problems can also solve problems.
"Water, energy and health are the three crucial areas where we face shortage. There is a need to educate people on socially relevant problems," said IIT Rajasthan Director Prem Kumar Kalra. Speaking on problems in educational field, he said shortage of faculty in educational institutions and explosion of Internet making it difficult to tap the potential of students are the two main challenges.
Creativity is more important than technological ability, stressed NITK Director Sandeep Sancheti presiding over the conference.
Systems Society of India (SSI) life time achievement award was given to Prof K P Padiyar from IISc Bangalore, Prof H P Kincha from IISc Bangalore, Prof B S Sonde from IISc Bangalore, Dr Vasudev K Aatre and Prof Gordon Savage from Waterloo University.
Dr Kota Harinarayan of NAC Bangalore received the National Systems Gold Medal and Varshneya Award was conferred on Dr T Ramkumar of IIT Kanpur. Dr Manoranjan Sinha from IIT Kharagpur received the Vikram Award.
The Young Systems Scientist Award was bestowed on Dr Sandeep Paul, Dr Sudip Misra and Malavika Gupta.
'For the welfare of humanity'
National Systems Conference (NSC) is an annual event of the Systems Society of India (SSI), which is devoted to strengthen the systems movement and its applications for the welfare of humanity. The conference aims to facilitate interaction between engineers, scientists, researchers, entrepreneurs and academicians in various fields.
NSC provides forum for sharing knowledge, conducting presentations, discussions and further dissemination of research findings. About 225 research papers were submitted for this year's NSC and the board of reviewers have selected about 125 research papers.
'Problem solving engineers need of hour'
Stressing on the need to change educational reforms, he said multi-disciplinary problem solving engineers are today's need.


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Emerson Industrial cures drive problems in Turkey
April 30, 2015 - Clariant, a speciality chemical company, was experiencing issues with its previous DC motor and drive system on an important extrusion machine at its Izmit facility. The plant, located around 70 km east of Istanbul, centres on colouration solutions for plastics and polymer products, as well as a host of other products ranging from PVC stabilisers to waxes for polyolefin compounds. The motor and drive package had been in service for many years but was now ageing and proving inefficient. Furthermore, frequent maintenance was required and, as a result, the facility sought an alternative solution.
They installed a Control Techniques' Unidrive M, in tandem with a Leroy-Somer Dyneo permanent magnet synchronous motor from Emerson Industrial Automation, on the extrusion machine in order to help boost both the efficiency and accuracy of its work for customers in the plastics and chemical industries.
"Aside from new technology and increased energy efficiency, the choice was based on the user-friendly and easy-to-use parameters of the Unidrive M600," said Serdar Kiyi, technical manager at the plant. "We are now using the package to leverage more efficiency, accuracy and reliability from the extrusion machine than was possible using our previous systems."
Among the main technical features of the Unidrive M600 that appealed to Clariant was its ability to support sensor-less open loop control. This mode offers impressive dynamic performance and enables more compact and higher efficiency motor technologies to be used, such as Dyneo. It also supports simple positioning without the need for encoder position feedback.
The Unidrive M600 also offers a high performance onboard PLC with a real-time task that can be used for straightforward logic control, speed following and digital lock to enhance drive application capability. The drive also features CODESYS technology for machine control programming.
"We really like the user friendly menu and parameters, as well as its compact, slim design," says Mr Kiyi. "Since installing the new solution from Emerson Industrial Automation, the extrusion machine has been working with markedly higher efficiency and precision, and our total throughput has increased by around 10 per cent."
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A New Audio Interview with Dr. Bruce Fischer, Chairman and CEO of Westmont Resources, Inc., is now at SmallCapVoice.com
May 04, 2011, 11:00 ET
AUSTIN, Texas, May 4, 2011 /PRNewswire/ -- SmallCapVoice.com, Inc. announced today that a new audio interview with Westmont Resources Inc. (WMNS.PK) is now available. The interview can be heard at http://smallcapvoice.com/blog/5-3-11-audio-interview-with-westmont-resources-corporation-otcbb-wmns
SmallCapVoice.com is a recognized corporate investor relations firm, with clients nationwide, known for its ability to help emerging growth companies build a following among retail and institutional investors. SmallCapVoice.com utilizes its stock newsletter to feature its daily stock picks, audio interviews, as well as its clients' financial news releases. SmallCapVoice.com also offers individual investors all the tools they need to make informed decisions about the stocks they are interested in. Tools like stock charts, stock alerts, and Company Information Sheets can assist with investing in stocks that are traded on the OTC BB and Pink Sheets. To learn more about SmallCapVoice.com and their services, please visit http://www.smallcapvoice.com/services.html.
About Westmont Resources
Westmont Resources is an independent natural resource and development company headquartered in Bellevue, Washington, with principal operations in the United States. Westmont's business model emphasizes the acquisition and operation of existing producing assets, in the oil and gas industry. As new technologies expand both the exploration possibilities and production of oil and gas in the face of ever-rising demand, obtaining peak efficiency and production from existing aging wells becomes increasingly profitable. Westmont Resources is committed to significant growth as it pursues its strategy to combine and consolidate assets and companies in the oil and natural gas production and services sectors. For more information about Westmont Resources Inc, visit the company's website at www.westmontresources.com
Safe Harbor Statement
This press release contains forward-looking statements regarding Westmont Resources Inc within the meaning of Section 27A of the Securities Act of 1933 as amended, as such, may involve risks and uncertainties. Such statements are based on management's current expectations and cannot be guaranteed. The forward-looking statements discussed in this release may not occur and actual results could differ materially as a result of known and unknown risk factors affecting Westmont Resources Inc. Forward-looking statements speak only as of the date on which they are made and Westmont Resources Inc undertakes no obligation to publicly revise any forward-looking statement based on the result of new information, future events, or otherwise.
Contact for SmallCapVoice.com:
Stuart T. Smith
SOURCE SmallCapVoice.com, Inc.


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A healthy food blog with delicious, plant-based recipes.
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Sparkling strawberry watermelon limeade is such a refreshing summer beverage! Naturally sweetened and also a greatView full post »
This time of year can be hard on a lot of us. The increased volume of social engagements, the pressure to buy a bunchView full post »
My man came home with a pretty pot of spring flowers and some vegan and gluten-free cupcakes from my favourite spotView full post »
We've had our fair share of rain and thunderstorms in these parts lately. It's been good for setting theView full post »
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© 2019 The First Mess: Plant-Based Recipes & Photography by Laura Wright. Do not use images or text without permission. All photographs and copy are the property of Laura Wright // Logo by Keara McGraw Creative // PRIVACY POLICY // CONTENT SHARING POLICY // This site contains affiliate links.|ProPhoto Photographer Blogsite Design by Aniya Jade Design Studio


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Naomi Campbell to Host Modelling Reality Show
Naomi Campbell is reportedly in talks to become a host of a reality modelling show that sounds a lot like America's Next Top Model.
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But Naomi is unstable!!! She´ll beat up the girls with her cellphone!
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These pumpkin shaped rolls are the perfect addition to your Thanksgiving dinner! If you have a favorite dinner roll recipe, just add the pumpkin puree to your dough mixture.
And for those of you who may be thinking… I don't have time to make rolls from scratch but want the pumpkin shape…here's a short cut:
- Purchase a bag of frozen bake and serve dinner rolls
- Place on a pan coated with cooking spray, cover with plastic wrap and let rise for about 2 hours ( or as directed on the package for defrosting)
- Continue with recipe below after " roll each piece into a ball shape"…..cut into sections and follow the recipe to get the pumpkin shape!
Makes 12-14, depending on size
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- ½ cup warm water
- 1 packet (2 ¼ teaspoons) active dry yeast
- 2 Tablespoons sugar or brown sugar
- ½ cup milk
- 4 Tablespoons unsalted butter
- ½ cup pumpkin puree
- 1 large egg
- 1 teaspoon salt
- 1 teaspoon pumpkin pie spice ( optional)
- 3 cups all-purpose flour
- 1 egg, mixed with 1 Tablespoon of water (egg wash)
- Pecan pieces for stems
In the bowl of a standing mixer (or a large mixing bow if mixing by hand), add yeast and sugar in warm water and let sit for 10 minutes until dissolved and starts to foam.
Heat milk and butter in a small saucepan (or microwave) until butter is melted. Off the heat, whisk in pumpkin puree, egg, salt and pumpkin pie spice.
Add to the yeast mixture and stir. Using a dough hook, gradually mix in flour on low speed and knead on medium speed until dough pulls from the sides of the bowl (This will take about 10 minutes). If the dough seems sticky and does not pull from the sides of the bowl after this time, add 1 Tablespoon of flour at a time.
(If mixing by hand, mix with a wooden spoon and transfer dough to a work surface dusted with flour and knead for 5-7 minutes, until smooth but slightly tacky. It should spring back when poked).
Place dough on a working surface and knead for about 1 minute. Place dough in a greased bowl and cover with plastic wrap or cloth. Let dough rise in a warm spot until doubled, about an hour. Punch dough down and transfer to a work surface and knead a couple of times.
Roll dough into a log and cut into 12 -14 pieces. Using your hands, roll each piece into a ball shape and flatten the top slightly with the palm of your hands. Using a knife, cut 6-8 slices around the dough, making sure not to cut the center. Using a handle of a wooden spoon or your finger, poke a hole on the top of each dough (for the stem) . Place dough on a baking sheet lined with parchment paper and let rise again, without covering, for about 30-45 minutes. If needed, poke the tops again.
Preheat oven to 350 F degrees.
Brush dough with egg wash and bake for 18-20 minutes or until golden brown.
Insert pecan slices on top for the stem. Serve with butter…
Honey Butter (optional)
- 1 stick (½ cup) of unsalted butter, softened
- 1/4 cup honey
- 1/2 teaspoon pumpkin pie spice ( optional)
Mix all ingredients together using an electric mixer or fork until fluffy


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Iconic performers who ruled their respective athletic arenas are the glorious subjects and signers in this display lot of (3). Includes:
Gordie Howe: framed to 25-3/8 x 38-3/8", a limited edition (563/1999) "Mr. Hockey" lithograph print is signed by Howe on the lower right border in graphite pencil ("8-9" strength) and inscribed "9 – Mr Hockey." Auction LOA from JSA
Joe Montana: framed to 27-7/8 x 20", a jersey/photo of a victorious Montana is headlined by white twill "16" numerals. On the middle horizontal portion of the "6," Montana has signed in black marker ("8-9" strength). Just below, a limited edition identifier denotes "11/16." Accompanying is a cert/hologram from UDA.
Ted Williams: framed to 29x25", a 24x20" color photo captures a youthful Williams shaking hands with Babe Ruth. Williams has signed in black marker ("9" strength). Green Diamond hologram
Frames included with lots: while we make every effort to protect the frames included in these lots during pre-auction storage and post-auction shipping, we are not responsible for any damage to the frames themselves, and no refunds will be given due to frame damage.
Please send questions or comments about this site to
Copyright © 2002-2009, Huggins and Scott Auctions LLC. All Rights Reserved.


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|ALL TRIPS CRUISES LAND TOURS WEEKEND TRIPS RESERVATIONS PAYMENTS eMail List REFERENCES GALLERY CONTACT US
Land Tours
2019 and 2020 trips
Visit Sweden, Finland, Norway, Denmark, Russia, Estonia, Latvia, Lithuania, Poland, Germany, Belgium, Holland, France and England (yet enjoy the convenience of only unpacking once!)
Enjoy an overnight on the ship in St. Petersburg, Russia, giving you two days to take in vivid onion domes atop churches and opulent palaces of Catherine and Peter the Great.
Witness all four Scandinavian countries: Step back in time on the medieval cobblestone streets of Copenhagen's Latin Quarter, the scenic waterfront of Helsinki Finland, the castles and Viking traditions in Norway and scenic gems in Sweden.
Oct. 14-23, 2019
Join us for a once in a lifetime trip experience. We will spend 10 days and 9 nights exploring the most unique and dramatic scenery, culture and wildlife of Nepal.
We will enjoy our first 2 nights in the capital city of Kathmandu (4593 feet altitude, comparable to that of Denver Colorado in the US), at the 5 star Hyatt Regency hotel. In Kathmandu we will enjoy sightseeing of several UNESCO WORLD HERITAGE SITES. These sites hold significance to the local history, culture and religions of Nepal
An optional one hour flight seeing excursion taking you by plane over the peaks of Mount Everest, the highest mountain in the world for up close views of its majestic peaks will also be offered here.
Mayan Riviera All Inclusive Resort Beach and Activity Week
Join us for an all inclusive week of fun in the sun and sand.
We are heading the warm sunshine and golden sandy beaches of Mexico's Mayan Riviera. The Mayan Riviera is located about 30 minutes outside of Cancun, making flight arrangements a breeze for everyone.
Enjoy three included excursions on our 7 day trip plus plenty of free time, so you can enjoy plenty of beach time, time to shop for great bargains in Playa Del Carmen or sign up for optional excursions.
Each evening we will enjoy included group dinners at one of the resort's 7 restaurants followed by a different theme show each night and then the opportunity to enjoy the dance club.
Grand Riviera Princess, an all-inclusive resort in Playa del Carmen, is situated on one of the most beautiful stretches of white-sand beach in Riviera Maya. This active, resort boasts a list of amenities sure to satisfy even the most selective consumer. Twelve swimming pools, integrated Jacuzzis, swim-up bars, nightly entertainment and delicious cuisine meet every guest with an array of choices and set the tone for a fantastic escape to paradise.
Wonders of Italy
Join us for a beautiful exploration of one of the world's most beautiful countries – Italy.
Add an Optional 2 day extension to Sun and Moon islands of Bolivia, off the coast of Lake Titicaca
Trip dates Wed. July 15th –Fri July 24th
Join us for a journey to the sacred lands of Peru. We will explore the Incan wonder that is Machu Pichu, exlore the treasures of the sacred valley of Ollantaytambo and Cusco, shop for local handicrafts in the open air market of Pisac, visit with the native Uros Indians along the shores of beautiful Lake Titicaca and enjoy 2 nights in Ica with an incredible two hour wildlife cruise of the Ballestas islands, which has been called a "mini Galapagos islands", due to its abundance of so many species of wildlife on its shores and rocks in full view for great photo opps.
A thrilling one hour jeep safari across the desert sands near Ica will be another memorable experience.
And if you want more, join us for our optional 2 day extension to visit the stunning Sun and Moon islands of Bolivia, just off the coast of Lake Titicaca.
Weather at this time of year is ideal, as it is the dry season in Peru. Temperatures are also mild as this is the Peruvian winter, so temperatures pleasantly in the 70's in Lima and Machu Pichu, the upper 70's to low 80's along the Ica coast and in the 60's in Cusco and Lake Titicaca.
Enjoy an unforgettable experience viewing polar bears, Beluga Whales and other wildlife in their own natural habitats. You don't have to travel far to see all of this – Its all right here in North America!
Join us for a special visit to Scotland. Scotland's biggest party is the Royal Edinburgh Military Tattoo where an enormous parade of Scottish bagpipe players march across the grounds of the Royal Edinburgh Castle, along with other acts playing traditional Scottish music and acts invited from other countries playing a bit of their native music.
A spectacular laser show on and over the castle followed by an equally spectacular fireworks show above the castle concludes this amazing and memorable event and we will have reserved seating for it all in this most incredible setting at the Edinburgh Castle.
Our trip also includes a guided tour of the country, showing us the stunning beauty across Scotland, as well as 5 included dinners (one of which is a fabulous Scottish dinner with traditional Scottish music and dancing in Edinburgh on day 6 of our tour ).
Inveraray Castle, one of three fabulous castles we will visit on our tour of Spectacular Scotland


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Nokia 2.2 Deals
Contracts from
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Contracts from
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We've compared 1,728 Nokia 2.2 deals.
The cheapest contract price is £6.50 per month on average over 24 months with a free device. Try adjusting the filters to find the best plan for you - the lowest price may not always be suited to your needs.
SIM-Free and Pay-as-you-go deals can be found from £79.99 in the SIM-Free tab if wish to purchase without a contract.
The Nokia 2.2 is an Android One certified phone that comes with the latest Android 9 Pie software experience built-in. It includes 2 years of OS upgrades and 3 years of monthly security updates, ensuring that your phone stays ahead of the curve. With no clutter or third-party software holding you back and an AI that learns how you use your phone, youve got an Android experience that feels pure and personal.With Adaptive Battery, your phone learns how you use your device and helps minimize battery consumption. Plus, the Adaptive Brightness feature learns and automatically adjusts the screen brightness based on how you like to use it. With Google Lens you can explore whats around you in an entirely new way find a look you like, make calls from a business card and even identify species of plant all using your camera.
Key Features
- Operating System
- Android
- Chipset
- Mediatek MT6761
- Display Size
- 5.71"
- Connectivity
- Up to 4G
- Rear Camera
- 13 Megapixels
- Front Camera
- 13 Megapixels
- Dimensions
- 146 x 70.6 x 9.3 mm
- Weight
- 153 grams
- Sim Card Type
- Nano SIM
- Talk Time
- Info unavailable
- Screen Type
- Wi-Fi
- 802.11 b/g/n
- Bluetooth
- 4.2 with A2DP, LE
- Screen Resolution
- 720 x 1520
- SD Card Slot
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- Battery
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- Water Resistance
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Deal Highlights
30GB offer from Mobile Phones Direct
24 Months
4G Speed
£30 per month, with FREE phone.
Comes with £396 Redemption Cashback.
5GB offer from Mobile Phones Direct
24 Months
4G Speed
£24 per month, with FREE phone.
Comes with £396 Redemption Cashback.
What type of deal do I need?
Unless you'd like to buy the device outright starting from £79.99 there are two main types of pay monthly plan:
- Contracts
These are meant for new customers to the network - for example if you're currently on Vodafone but you'd like to switch to iD Mobile. We have 1,727 new customer contract Nokia 2.2 deals available from O2, iD Mobile, Vodafone and EE.
- Upgrades
If you're an existing customer you can take one of these deals 30-45 days before the end of your contract - you'll be able stay with your current network with no interuptions and keep the same number. You can text INFO to 85075 to see how long is left on your contract. We don't currently have any upgrade deals for Nokia 2.2 available.
We've found that in most cases new customer contracts work out to be the best value. Don't worry about losing your number, the process for transferring is simple. You just need to text PAC to 65075 - your network will reply back with a PAC switching code which is then given to the new network.
Some of our most popular contracts have no upfront cost - you'll pay nothing for the handset when placing your order and even get free delivery. These aren't always the best value, sometimes contributing a small amount upfront can reduce the overall cost of the plan. Our average per month calculation is an easy way to compare these side-by-side.
Check out our Contracts Vs Upgrades guide to learn about the differences between the two types of plan, along with further details on the switching process.
What contract length should I go for?
The most popular contract length for phones is 24 months and will be suitable for most people. You'll have a fixed allowance of data, minutes and texts over this period and you'll pay the same amount per month. Although you may find there is a small rise each spring in-line with RPI inflation (usually 1-4%).
However some networks are offering more flexible 30 and 36 month contracts. With these you're able to adjust your tariff cost up and down each month if you find your usage changing. The line rental and device payments are split too, meaning you can pay the device portion off early and upgrade any time you wish.
How are reseller prices cheaper than the networks?
We partner with retailers such as Affordable Mobiles, Mobile Phones Direct, Mobiles.co.uk and Fonehouse - the deals they offer can be considerably better than ordering directly through a network.
They're able to do this because they have ongoing bulk order agreements with the networks and are online-only, enabling them to make savings and pass the value onto you. The phone is a brand new UK model (unless it's specifically stated to be a "refurbished" deal) and the contract you've agreed to will always be with the network themselves - just as if you'd ordered from them in the first place.
All our partners are well established companies who have received many hundreds of positive reviews on Trustpilot you can read before ordering, so you can buy in confidence.
How do manual cashback redemptions work?
The deals that have the lowest average cost per month often include a manual redemption element. This will involve sending via post or uploading your phone bill from certain months of the contract within a claim window to ensure you're still connected and have kept up with the payments. Please read the individual retailer's terms as the exact months and payment methods can vary.
For example - you place an order for a 24-month contract in January which includes redemption cashback of £100 to be claimed in months 6, 9, 12, 15 and 18. Within a few days of receiving your phone and being connected to the network your first bill will be raised, dated January. In this case your 6th bill will be dated June - you would send this one to the retailer. Within 14-28 days you'll receive cashback of £20. You then repeat this process in September, December and so on until all the money has been claimed.
How do I order?
After you choose the colour, storage size and plan with the features that suit you best click the "Get Deal" button on the deal card. You'll be transferred to the retailer's website where you can place your order.
Please note that we are a price comparison service - your order is not placed with us, but with the retailer directly. We try to ensure all prices are correct, but please check the full details of the plan you add to the basket before ordering.
What if I change my mind after I order?
If your order hasn't been dispatched yet, then call the customer service number for the retailer - they may be able to help you cancel. If you've already received the phone, you have 14 days after taking delivery to request a return - even if you've opened the packaging and used it. It's equivalent to going into a phone shop and trying their display models before you buy, since you weren't able to do this beforehand having bought online. Some networks may opt to offer even longer evaluation periods to make sure you're fully satisfied with their wireless signal coverage.


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You do not have to open many tabs to find the right music — the program as quickly as possible will offer the necessary radio stations. Share your opinion in the comments. For instance my job has me in several cities per week. That way you can access stations directly with just one tap. Many radio apps can be too complex when you're just trying to get a station to play. TuneIn If you like variety, TuneIn Radio is one of the best apps around for listening to the radio on your mobile device.
Downloads: 1700 + Customers rating: 3. Installation of the file is described in wmap. Though cell phone infrastructure is often knocked out in the wake of a big storm, broadcast signals, which use low frequencies and can travel much further distances and penetrate through obstacles, usually remain up. First, you need a special program. The app itself sports a clean interface, and a variety of useful features.
The free version comes with over 100,000 stations in total along with several million podcasts. Built-in filter system allows you to sort the radio by genre, language, country and even cities. Stitcher is an amazing android radio application and is good for those whose focus is on radio talks, podcasts, and documentaries. In general, this is a good enough program that will quickly allow you to listen to completely new music, and discover completely new genres. You can customize the app to create your own radio stations based on your desired genres. Only with Radio Mobile Multi language Radio Mobile Multi language has specific features that come with the multi lanuage character of the program.
These files are packaged in the file 'rmwcore' and can be downloaded by the following link: this file is required for all languages Radio Mobile executeable and aditional files. And all this without advertising! That's also put a spotlight on the strengths of good ol' broadcast radio for efficiently disseminating information in an emergency. Try our commercial mobile apps in the store and buy them, if you want to support us. AccuRadio is not as well-known as other radio apps. Among many key features of the app is the ability to quickly and easily find interesting stations, shows, and podcasts directly from the app and bookmark them for future use. The graphical styling of this application will also be pleasant.
It boasts an impressive collection of over 50,000 radio stations across 200 countries and territories. The app features hundreds of radio stations that cover all kinds of content that are ready for streaming when you want them. You can make them around your favorite artist, music genre, or even song. Although we do update our data regularly, the pricing and availability of the products we review are constantly changing, please check on the merchant site for the actual price and availability. RadioDroid 2 is an open-source application with a straightforward elaborate layout integrated with great functionality. The app is optimized to make day-to-day use as smooth as possible, whether at home, at work or in the car.
Now you can do it for yourself. It is very pleasant to the eye. It's one of the more traditional radio apps. Thanks to its numerous amazing capabilities that tune the entire radio listening and download super exciting. And, of course, you want your favorite music to always be with you. If you have questions or suggestions about your application radio kiss fm Spain tell us and happy we will solve them. Sometimes, though, people like to just hit play and let it go without having to manage every little thing like playlists, play order, or anything like that.
I've never heard of being able to get radio through my phone. But still, sometimes this device can help you out. Additionally, it has support for podcasts, categories for various types of talk and music radio, and some little extras like a sleep timer and alarm function. Downloads: 80 + Customers rating: 3. And what kind of music do you listen to in general: heavy rock, pop music, jazz, electronics, rap or classical music? Please, feel free to reach us at simple streema. Streema is on a mission to simplify the radio listening experience on the web and mobile devices. Radio Mobile is packaged in a version and language specific file.
Try our commercial mobile apps in the store and buy them, if you want to support us. The National Association of Broadcasters disputes this. Uses can record, stream, download, transfer media files, convert, and fix their music library problems within this single tool. You can enter the name of country, and then the radio station that you are looking for. It has a good response time and delivers quality audio. The interface is based on a user-friendly window, where you can view the last played ten songs or shows for a selected channel.


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An online fundraising campaign for the family of Andrew Debogorski, a well-known Yellowknifer who died following a house fire last week, has surpassed its $25,000 goal in just two days.
Debogorski, 32, was pronounced dead in hospital after firefighters responded to a call about an individual trapped inside an engulfed 51A Avenue home on Friday, Dec. 28. Debogorski's wife Myriam – who he married in April – along with his two young children were able to escape the blaze, according to a news release issued by the City of Yellowknife.
Debogorski was diagnosed with Amyotrophic Lateral Sclerosis (ALS) in 2017. He used a wheelchair and relied on a special device to communicate after losing the ability to walk and speak over the last two years.
The GoFundMe campaign, launched by Debogorski's brother Curtis on New Year's Eve, seeks to support the young family, displaced by the fire, by covering food and clothing costs.
"(Andrew's) wife Myriam and young children Nyah (5 yrs) and Miroslav (4 months) are now preparing to say goodbye to Andrew while dealing with the loss of their home," states a message on the GoFundMe page.
By Thursday morning, the relief fund had raised more than $27,000. Donors pitched in over $8,000 in the campaign's first 18 hours online.
That number doubled in mere hours.
"In just over 24 hours your incredible generosity has raised over $14,000, well over half way to our goal. We thank you and are overwhelmed by the kind words, love, support and prayers for Myriam, Nyah, Miro and the extended family. Please continue to share and like the campaign as this has a tremendous impact. Much love from the Debogorski's," wrote Curtis Debogorski on Tuesday.
"This fund will support Myriam and her young family to prepare for Andrew's funeral and their interim needs of food, clothing and daily living. Thank you to all of you who have contributed in your prayers, well wishes and support through this difficult time for the Debogorski family," reads the statement.
The Debogorski family, including Alex Debogorski – Andrew's father and reality television star of Ice Road Truckers fame – carried out a string of fundraising initiatives since the 2017 diagnosis, including Bouge's Buds: It Takes a Village Fundraiser, to help cover costly medical expenses.
"I don't ask God to take away the challenges he allows but I do ask for the strength to handle them," tweeted Alex Debogorski, who took to social media to share the tragic news.
Contributions are still being accepted.
Yellowknife RCMP are continuing to assist the Office of the Fire Marshal's investigation into the deadly fire's cause.


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Visit Us
We warmly invite families to visit our school.
We hold a number of events throughout the year for you to come and meet our staff and students and see why the High School is such an exciting place to learn.
STAHS Snapshot
Our Snapshot sessions give you the chance to experience STAHS on a typical school day. Join a small group of other parents for an informal visit, during which you will meet the Head, have the opportunity to speak to a range of teachers and tour the school whilst lessons are in progress.
Open Mornings
Our Open Mornings are busy, buzzy days, showcasing our full facilities. Meet the girls and our teaching staff and gather information about admissions, transport, extra-curricular activities and fees.
Sixth Form Open Evening
Discover the courses we offer, meet the A Level subject teachers and some of our current Sixth Formers to find out about life in our Sixth Form.
Individual tours
We realise that the timings of our Snapshot sessions and Open Mornings may not suit everyone. If you would like to book a personal appointment to visit the school, please let us know.
To reserve your place at any of our open events, please complete the Visit Us form below. We look forward to welcoming you.
Latest Tweets
15 August 2019
So proud of all our students today and everyday. For a full breakdown of all of our fantastic results, head to… https://t.co/MsWJebAPLc
Latest Blogs
No offence but… (Head's blog, January 2019)
14 January 2019
Latest News
15 August 2019
St Albans High School for Girls (STAHS) is celebrating fantastic A Level results, with 90% of pupils achieving grades A*-B and 97% grades A*-C.


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Please use the form below to contact us. We look forward to working with you and will get back to you as soon as possible. All fields are required


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Rachel Steele, blogger for Dreams of Perfect Design, describes fashion from a refreshing perspective. Put on your #OOTD and listen in! ~trvw
Rachel Steele, blogger for Dreams of Perfect Design, describes fashion from a refreshing perspective. Put on your #OOTD and listen in! ~trvw
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