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The TMT Model Portfolio: 15 Well Positioned Stocks and a few more
SEE LAST PAGE OF THIS REPORT Paul Sagawa / Tejas Raut Dessai
psagawa@ / email@example.com
August 24, 2018
The TMT Model Portfolio: 15 Well Positioned Stocks and a few more
Our 15-stock model portfolio has delivered outstanding performance vs. the S&P 500 and vs. the tech components of that index over the past 3 months, 6 months and full year. It is designed to feature leading companies well exposed to the major technology vectors that we believe are remaking the TMT landscape – Enterprise Cloud, AI, 5G, Blockchain, Digital Media, and E-commerce. While we normally use our quarterly update to make changes to the portfolio, we believe all our names are well positioned to outperform vs. achievable expectations in coming months. We believe even relative laggards – NFLX (-4.1% since May), IBM (+3.0%), and NOW (+3.6%) – whose 2Q18 reports yielded concern rather than enthusiasm, are likely to surprise positively in coming quarters, driven by factors that we have detailed in our prior research. As such, we are letting the portfolio ride as currently constituted, and using this update to review several stocks that we had included previously and removed. These names – WDAY, TMUS, ADBE, MLNX, TWTR, CCI, STX, and DATA – were replaced largely to make room for new constituents for which we had more enthusiasm but are still exemplars of our main investment themes. All have performed well since they were removed and remain strong options for inclusion in the future.
- Our model portfolio performed particularly well in this period. Continuing our 2018 hot streak, the portfolio beat the S&P500 by 838bp since the last update in May and topped the tech components of the S&P by 844bp. Newly added AYX was the big winner, up 63.7%, but KEYS, GOOGL, AMZN, QCOM, ZEN, and CRM were all up double digits. NFLX (-4.1%), IBM (+3.0%), and NOW (+3.6) were the obvious laggards, majority hit by negative reaction to 2Q18 results or guidance, but these stocks remain well positioned against the major opportunities being created by the emerging Cloud/AI era of tech, and we expect significant future upside. As such, we are holding our portfolio as is.
- Portfolio composition has evolved in its six years. 51 different companies have been part of our 15-stock portfolio over the past seven years. Early on, we tried to keep a stricter subsector balance, resulting in relatively poor performance, but over the past few years, a strong thematic emphasis has accompanied outstanding performance vs. both the market and our benchmark. We believe that the next decade of TMT will be driven by six major change vectors – Enterprise Cloud, AI, 5G, Blockchain, Digital Media, and E-commerce – and all 15 stocks provide significant exposure. The average holding time for the current constituents is 28 months, and only one stock – GOOGL – has been in the portfolio since inception (two other inaugural choices – QCOM and CRM – have returned after having been removed for a time, MSFT was added on the very first update in 2011).
- Several recently removed stocks have continued to outperform. With just 15 slots in the portfolio, adding a new name requires removing an incumbent constituent. Often, we still see significant potential in the stock being removed but simply prefer its replacement or see benefit in greater portfolio diversity or reduced volatility. To that end, we are reviewing 8 of the 12 stocks that have been replaced over the past two years – WDAY, TMUS, ADBE, MLNX, TWTR, CCI, STX and DATA. On average, these names have slightly underperformed their replacements in the portfolio but have outperformed the market since they were removed. We would strongly consider the stocks on the list were we to replace one of the current constituents.
- WDAY- SaaS HR application leader WDAY came out of the portfolio in May 2018 to make room for AYX. We still see it as a clear category leader in the Enterprise Cloud, but its success makes growth a bit harder and acquisition a bit less likely than smaller names, like AYX.
- TMUS- TMUS had a 42-week run in our portfolio, but we took it out this past February, as we believe the impending acquisition of S will delay 5G deployment, temper strategic moves and distract investors. Still, the stock has been on a tear of late, and we expect a surprisingly easy approval to catalyze strong appreciation in 2019. Long term, we believe a combined TMUS/S can harvest market share from VZ/T and make mobile 5G broadband a viable alternative to fixed residential broadband.
- ADBE- At one point, 1/3 of our portfolio was SaaS Enterprise Cloud stocks. ADBE, which had been a stalwart for us for nearly 3 years, was removed in December 2017 to add CIEN. Since, it has outperformed its replacement by 2563bp. Looking ahead, ADBE is on the right side of enterprise's shift to the cloud and has an underrated AI capability, but it is now big enough to make its growth harder to sustain and we like MSFT and CRM better.
- MLNX- MLNX makes switching/interface chips for hyperscale data centers, a key building block for Enterprise Cloud, AI, and Blockchain. While we are very bullish on capex in that sector, the volatility of MLNX was difficult, and we replaced it in July 2017 in favor of KEYS. While we have been delighted with KEYS performance, MLNX is up 65% since we removed it.
- TWTR- TWTR is a unique platform for real-time information distribution with an effective competitive moat and an excellent context for delivering engagement for digital advertising. We removed it last April amidst heavy investor skepticism, but our decision to replace it with IBM was short-sighted. We see TWTR as an undervalued alternative to GOOGL and FB in Digital Media, with surprising AI strength.
- CCI- We held wireless tower REIT CCI in the portfolio for 43 months, removing it in December 2016. We saw CCI as widely appreciated by investors and saw more upside in CRM, which has outperformed it 80% to 15% over the past 19 months. Still, we expect a faster and more aggressive 5G roll-out to pick up steam in 2019 with the likely approval of TMUS-S, so the timing may be right for CCI.
- STX- Either STX or its rival WDC was in our portfolio from June 2012, to May 2016, when we took out STX in favor of MLNX. We got tired of waiting for Enterprise Cloud datacenter demand to outweigh the deteriorating PC market, but, of course, in the 27 months since we removed STX, it has risen more than 190%. Consensus expects a cyclical downturn, but we are much more optimistic.
- DATA- We lost faith with Enterprise Cloud analytics application player DATA in 2Q16 after a sharp sell off on fears of a MSFT threat. That threat has not really materialized, and DATA has more than doubled since we removed it. Sales are now accelerating, and its SaaS analytics platform makes it an interesting M&A candidate (CRM? GOOGL?).
Our Thematic Approach
We have published our 15-stock TMT Large Cap Model Portfolio on a roughly quarterly basis for more than seven years. For most of that time, its intention has been to exemplify our thematic research, providing specific investment ideas likely to be advantaged by the changes that we see happening in the TMT landscape. With that context, the portfolio has been very successful, outperforming the S&P 500 by 14519 bp over the past 5 years, 9082 bp over the past two and 3773 bp over the past 12 months. Performance vs. a benchmark of the tech components of the S&P 500 has also been excellent, up 5457bp over 5 years, 4633 bp over 2 years and 2338 bp in the past year.
The most recent 3-month period was one of our best, outperforming the benchmark by 844 bp and the broader market by 838 bp. Newly added Alteryx was the biggest contributor, up more than 63.7% since we added it in May, but the outperformance was broad based, with 8 of 15 stocks rising double digits in the period. Netflix, Service Now, and IBM were the only stocks not to beat the S&P 500, with Netflix the sole constituent to decline in the quarter.
Exh 1: SSR TMT Model Portfolio Performance Since Last Update
Our ongoing investment hypothesis is that we are several years into a generational paradigm shift in the technology landscape, driven primarily by new capabilities and economics afforded by hyperscale datacenter architecture, artificial intelligence (machine learning) software techniques, and advances in wireless networking. Historically, new paradigms (like the PC/Ethernet era that preceded the current environment) have an arc – a period of revolution as the new approach challenges the old, followed by a period of consolidation where the emerging paradigm thrives, then a period of stagnation when the limitations of the
Exh 2: SSR TMT Model Portfolio Historical Performance for 5 Years
Exh 3: SSR TMT Model Portfolio Performance Since Last Update
paradigm become constraints that spur creation of a new one. We believe that we are currently in the middle phase of a Cloud/AI paradigm, and that the companies that best exploit its broad adoption will prosper.
In this context, we look for model portfolio constituents that will benefit from six major change vectors that proceed from the generational sea change: Enterprise Cloud, AI, 5G, Blockchain, Digital Media, and E-commerce. We have written extensively on all these topics, and a list of links can be found in exhibit 4.
Exh 4: SSR TMT Model Portfolio Tracks Key TMT Vectors
|TMT Vectors
|Favored Companies
|Highlighted Past Work
|Enterprise Cloud
|Shift of traditional on-premise hosting to shared public or hybrid cloud infrastructure, driven by tremendous cost benefits; Replacing packaged software model with dynamic cloud deployed SaaS
|Cloud Hosts: GOOGL, AMZN, MSFT, IBM
SaaS: CRM, ZEN, AYX, NOW, ADBE, WDAY
Hardware: MLNX, STX
|AI Risk Management: Catalyzing Banking's Move to the Cloud
15 Stock TMT Model Portfolio: Winning Enterprise Cloud and Betting on Self-Service Analytics
AI, Blockchain and the Cloud: Banks in the New Technology Era
|Artificial Intelligence
|AI infused software winning enterprise and consumer applications, driving demand for specialized hardware for processing needs
|Cloud Hosts: GOOGL, MSFT, AMZN, IBM
Other AI Products: FB, CRM, TWTR
Hardware: NVDA, XLNX
|AI Assistants: The New UI Paradigm that will End the OS/App Era
AI, Blockchain and the Cloud: Banks in the New Technology Era
Self-Driving Cars: Waymo and GM are FAR ahead of Uber…And Everyone Else
AI: Sizing the Market – Big, Bigger and Biggest
|5G Wireless
|Carriers challenging market hegemony midst eroding dominance of US wireless duopoly; Aggressive 5G capex spend benefitting suppliers
|Testing and Measurement: KEYS
Optical: CIEN,
Tower: CCI
Switching: MLNX
|5G Test Equipment: Adding KEYS to Our Model Portfolio
5G: Rising Global Carrier Competition to Drive Capex
5G: Hyperscale + AI + 5G = Sea Change
A 5G Wireless Primer: The Final Ingredient for the Next Era of TMT
|Design and development of bespoke blockchain solutions
|Consultants and Consortium: IBM, ACN, MSFT
|Banks, Payments and Blockchain: Right Idea, Wrong Tool
Commercial Blockchain: Objects May Be Further Away Than They Appear
|Digital Media
|Linear TV has peaked, TV ad spend has stalled. Digital native streamers and social platforms emerging advantaged
|Streaming: NFLX, AMZN, GOOGL,
Social: FB, TWTR
|The End of TV: Media Strains to Adapt to the Streaming Era;
The War on TV: The Attack of the Boxes
War on TV: Streaming is Coming
War on TV: The Biggest Pipe Will NOT Win
|E-commerce gaining more share of US retail spend; Development in consumer technology threaten traditional retail models
|Commerce: AMZN, GOOGL, FB
|The Future of Shopping
No Changes
Ordinarily, we use our quarterly portfolio updates to make changes to its composition, but at this time, we are comfortable with the stocks that we have included. We are not inclined to make changes just for the sake of change – our average holding time for the current 15 constituents is 34 months. In lieu of a portfolio change, and associated verbiage justifying it, we will use this note to review several stocks that we have removed from the portfolio over the past two years. While we have replaced a few stocks for which our opinion had materially soured and others that had been acquired, many of the removals were made simply to adjust the balance of the portfolio or to make room for a new name that we liked even better. Some of these stocks remain very attractive investments, well tied to the factors driving change in the landscape.
Workday (Enterprise Cloud)
Workday, a SaaS-based enterprise resource planning software maker with leading modules for human resources, planning and finance, had been a part of our model portfolio April 2013 until the recent update in May 2018 when we decided to exclude it to make room for Alteryx. We still like the company – it has a great product addressing a wide market opportunity supported by strong management – but its success has raised expectations and its valuation reduces the potential for a take-out at a premium. Alteryx, a much smaller company amidst better than 50% growth, has a much greater potential surprise (Exhibit 5).
Exh 5: WDAY returns relative to replacement AYX after dropping from Portfolio
Nonetheless, Workday remains an interesting investment (Exhibit 6). The enterprise shift to the cloud has shown accelerating demand for SaaS application offerings and Workday is a category leader. Management estimates its addressable market at well over $75B, growing at over 15% YoY as the company reaps market share to drive its 30%+ annual growth. Workday is known for excellent customer satisfaction ratings and invests aggressively in product innovation, adding supplemental modules for easy cross deployment to existing customers.
Exh 6: Key Operating and Valuation Metrics – WDAY
Workday now boasts of a total 2,100 customers, with over 175 companies from Fortune 500 using their human resource software. Financial management software is used by over 450 companies in total – 45% growth within a year. Operating losses in the most recent quarter were at $71.3M, or negative 11% of revenues compared with negative 12.5% of revenue a year ago – bringing it a step closer to profitability. Big ticket clients such as Walmart use Workday tools to touch 2M+ employees giving the platforms wide range of data assets to build on and an ultimate test in cloud scalability.
With heavy expectations built in all SaaS growth names, there is some inherent volatility risk for shareholders in case of any signs of imperfect results yet with continued product innovation, strong customer relationships, steady growth rate and a likelihood of SaaS industry-wide consolidation, we remain confident of Workday's outperformance in the long run and believe the stock is a great choice to play the SaaS growth narrative into the remainder of this decade.
T-Mobile (5G)
We had held TMUS in the portfolio for more than 3 and a half years before removing it this past February. Its aggressive "Uncarrier" strategy has been very effective in drawing market share from a market-leading duopoly (VZ and T) whose 5%-ish dividend yields made it prohibitive to confront T-Mobile, and from the dumpster fire that is Sprint. T-Mobile lowered prices, eliminated long-term service contracts, while offering free international roaming, contract buyouts from other carriers, free data for streaming media services, and unlimited usage packages, attacking the most critical pain points for its rivals' customers. Verizon and AT&T, still clinging to decreasingly meaningful coverage metrics as their primary marketing message, while T-Mobile touts advantages on price, speed, local availability and network congestion.
Over its 42-month tenure in our portfolio, T-Mobile was up 108.2% but all of that during its first 30 months. In the year prior to its removal, TMUS lost more than 1900 bp vs. the S&P, as investors began to see limits in its longer-term growth potential (Exhibit 7). We removed the stock from the portfolio shortly after it announced its plans to merge with Sprint, surmising that the deal would put a hold on 5G investment and competitive initiatives and that investors would take a skeptical stance on the potential for success given the DoJ's opposition to AT&T's acquisition of Time Warner.
Exh 7: TMUS returns relative to replacement ZEN after dropping from Portfolio
A few months later, our position is softening. Comments from the DoJ acknowledging that maintaining 4 national carriers rather than 3 is not necessarily in service to better competition for consumers raise hopes of approval. We also note that a speedy close to the deal would hasten the combined carrier's 5G network build-out, in alignment with the administration's apparent goal for the US to lead in the next generation of wireless. American consumers could benefit from more muscular and aggressive competition from a combined T-Mobile/Sprint. We believe the merged carrier would have the spectrum resources to offer unlimited 5G broadband with price/performance to pressure residential fixed-line operators, a further boon. T-Mobile shareholders would benefit from both enhanced growth and from substantial cost synergies resulting from combining operations.
However, while we wait, competition has slowed – T-Mobile is taking share at a slower pace and 5G investment plans are far more cautious than we would expect post-merger. We believe Verizon and AT&T are also damping their own 5G deployment plans in the absence of a much more aggressive move from T-Mobile (Exhibit 8). If we are right, and deal approval is more likely, and sooner, than is commonly thought, an investment in the "Uncarrier" could prove attractive (Exhibit 9). Even in a best-case scenario, it would seem unlikely to get resolution before 1Q19, but stranger things have happened.
Exh 8: Consensus Estimates of US Carrier Capex Spending
Exh 9: Key Operating and Valuation Metrics – TMUS
Adobe (Enterprise Cloud):
We held Adobe in the portfolio from May 2015 until December 2017 recognizing the successful transition of its packaged software business into a SaaS model and stock gained 135.5% during that time. Adobe is primarily known for its creative and marketing software suites and has managed to consistently grow revenue at a better than 20% YoY (Exhibit 10). The core business is divided into two segments: Digital Media, which includes creative tools and Adobe document cloud offerings, makes up over 70% of the revenues and grew at a 22% rate in the most recent quarter. The other segment is the Adobe Experience Cloud, which covers end to end digital marketing solutions with a cloud hosted content management, execution and tracking tool, makes up remainder of the revenue and is growing at 18% Y/Y. Approximately 89% of the 2Q18 revenues were from recurring sources, testifying for high customer retention and subscription renewal rates.
Adobe has a well differentiated suite of creative software with few competitors in its core segments. The Digital Media and creative segment competes with other giants like Apple, Microsoft, Autodesk and several other non-public freemium SaaS products although none of which sell time tested products backed with age old sales relationships and that primarily has been Adobe's moat. Timely and strategic acquisitions over the years have helped the company stay on top of the latest fad in its space and has helped build a loyal ecosystem of designers and creatives. For Digital Marketing segment, the company finds no direct competition with the big players but sees some risk from analytics tracking and measurement solutions
Exh 10: Key Operating and Valuation Metrics – ADBE
offered by Google, IBM, Salesforce etc. and a range of other ad-tech names. Industry surveys repeatedly place Adobe at the top of the race though.
While Adobe is undoubtedly excellent, with strong AI talent, a powerful cloud-based platform, solid customer relationships and well-regarded management, it has also grown very large. Its $125B market cap makes it an unlikely M&A target – it is a more likely buyer than seller. This, and an uncomfortable overweight in SaaS stocks, led us to replace Adobe with Ciena earlier this year (Exhibit 11). That trade-off has been a net loser for us, as Adobe has since churned out quarterly beats.
Exh 11: ADBE returns relative to replacement CIEN after dropping from Portfolio
MLNX (Enterprise Cloud, 5G)
We briefly held Israeli interconnect chip maker Mellanox – a pure-play for the rise of software defined networking (SDN) in hyperscale datacenters – in our model portfolio from May 2016 to July 2017, finally choosing to replace it with 5G testing equipment maker KEYS after suffering from wrenching volatility in what was then a thinly traded stock (Exhibit 12). Our timing could hardly have been worse. We had been right about Mellanox in the first place. The stock popped the following quarter and is up more than 80% in the last year on consistent top line outperformance.
Mellanox makes InfiniBand and Ethernet switching and interface chips, which are staples in high performance computing environments. It also offers end to end SDN solutions. In traditional networking, there are three basic functions of a switch implemented in firmware right on each switching device. The Data Plane handles the actual switching of the data packets, the Control Plane communicates with other switching devices to adjust to network conditions, and the Management Plane enables administration of the network. Software defined network allows implementation of the control and management planes entirely in code, thus enabling the network to be managed centrally without hardware level reconfigurations. Switches, focusing only on data plane tasks, are simpler, shifting the key performance factor from the ability to manage complex tasks to pure speed. This approach is ideal for networked hyperscale datacenters, which typically have large but predictable data flows. Mellanox is the industry leader in 25G+ high speed adapter market size, with over 65% market share in the category and received windfalls from soaring hyperscale
Exh 12:MLNX returns relative to replacement KEYS after dropping from Portfolio


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It was a bright sunny day, little Noor was playing in her house while her mom was getting ready to leave for the temple which was quite far from their house. Mrs. Farha, Noor's mother, worked as a housewife, her husband passed away when Noor was 4. Since then Farha has been working as a housewife, despite giving interviews at many places, could not get her a job. They could afford only rupees 1,500 per week as income.
"Noor, I have left Khichdi and dal for you on the table, Do finish it up if you feel hungry until I return home"
"Mamma? I want to go outside right now, my friend Fatima is calling me on the landline, maybe you could leave the keys with me? In case I Return home early by the time you are home?"
"Okay, Only if you promise me You would keep contact with me through Fatima's Landline. That way I can make sure you are safe. Ok?"
"Yes Mother. I will not fail you"
Saying this, Farha checked the watch hanging on their wall, "Oh! Its time for me to leave, the temple will be closed in 2 hours and it's a long drive from here. Bye Noor! Be safe! And make sure to contact me"
"Yes yes mother!" Smiled Noor.
Noor's Mother set out for the temple, leaving the keys with Noor. Noor was busy tying her shoe laces, as soon as it was done, "Hmm all the way up to 7th floor now" She set off, but unfortunately, she left the keys on the shoe rack. When she reached Fatima, her childhood friends house "Oh Hi Noor! Where is aunty? Have you come alone?" asked Fatima "Yes, I have come alone, but no worries as we are in the same apartment, now lets go to your room and Play!" "Yes Noor, and I brought a tent which we can play in, its really cozy and its in Pink color" "Then lets go!" Fatima and Noor headed to fatima's bedroom. "what can we play in the tent though, Fati?" Fati was Fatima's Nickname. "Let us play Camp- Camp" "Sounds good!" Noor was setting up the camp fireplace, the toy animals, whereas Fatima had the tent ready, with her brand new kitchen set. Together both got 1 paper and decided to draw a map which shows the different places in their camp. "This map looks good Fati, you are creative!" But the idea of making a map was yours Noor"
Meanwhile, as the kids were playing in Fatima's house, a criminal, who disguised as the courier boy, came to Noor's House. "Hmm, Oh! It is locked. Tough luck, How am I going to go inside and rob the house?" Just then, he noticed a pair of keys on the shoerack. "Wow, My luck paid off! I need to make sure no ones watching me. He quickly grabbed the keys and opened the door. "Not such a big house indeed! But the thing I came for is money!" He sneaked in to the Bedroom and saw a cupboard. He opened it, to his luck he found a Locker which had a code. "Oh no, How am I going to find the code?" He sat there thinking, when he thought they might have wrote it somewhere, he searched the bookshelf. He searched all the pages of the diary and to his luck, he found 2 codes "Hmm. 2 codes eh? Let me try both!" He went and entered the 1st code- 125110 which was failure. Then the 2nd code- 564339 which immediately opened the safe locker. "There are some gold jewellery and 50,000 rupees in the locker. Interesting!" he grabbed his sack secretly and emptied the jewellery and money inside his bag. He quickly rushed outside, locked the house. But oh how silly was the thief, as while he was going, he dropped the keys midway.
And now, at Fatima's Place. "Noor, it has been 1 and a half hour since we played, maybe you need to go? Your mom may come any moment." 'Really? I must be on my way then! Bye Fatima I really Loved playing with you. Will see you again soon!" "Bye Noor, Do visit our house again, this time we will play something interesting!" Noor waved to Fatima and her mother and left to her house. When she reached, She saw keys on the floor! "Whose can it… Oh MY God! I forgot, My mother had handed me the keys when she went to the temple, and I forgot to Lock the house while going to Fatima's House!" She started crying, and was roaming here and there. Just few minutes later, her mother arrived. When she came out the lift she saw Noor roaming. "Noor? Why are you crying and why aren't you in the house? What is wrong?" She, seeing her mother, rushed to her and hugged her. "Amma, I am sorry! I do remember you leaving the keys with me, but while tying my shoe laces I might have left it on the shoerack and went to Fatima's House. When I came back I saw that the keys were on the floor. Mamma something is wrong, please Mamma, forgive me for what I have done!" Pleaded Noor. Her mother was in shock "Hmm.. If anything has happened we will call the police and the Apartment security, but first, let us make sure all is safe inside." "SOB- Ok mamma".
When they went inside, Living room was clean indeed but the bedroom was shabby and all the books In their bookshelf were lying down, some pages shattered. Noor's mother fell to the ground in shock, seeing the locker open. "we are doomed! We had only 50,000 and all my gold jewellery are gone. How am I going to survive? We have only 20,000 left with us!" Noor was shocked and started crying more hard… "it is all my fault, I left the keys and now we are Robbed and…" Noor's eyes fell on a diary lying nearby, the page containing the locker codes were safe but the page was torn and was crushed. She opened the crushed paper and saw "Mom Look! The paper containing the codes of the locker are here, maybe the robber used this somehow and opened the locker, and then crushed it back so no one suspects?" "Yes it is that issue only, Noor. Now can you do me a favor? Go and call the security downstairs, meanwhile I go call the police." Noor rushed downstairs and brought the security and Noor's mother Farha called the police. In a Moments time, the police were there and also the security. "What has happened here Miss Farha? Everything seems shattered, what has occurred here according to you?" asked the police. They told the whole story what had happened to the police. "Hmm, so it indeed is a robbery. Noor is still a young girl, she doesn't know, but you should be careful child. Maybe we can track the fingerprints on the locker?" "Yes sir, please do whatever you can to solve this! We have lost all our gold jewellery and 50,000. We are down to 20,000. Please help us."
The police brought the forensic people to do the job. They brought the forensic kit and got a spray and a magnifying glass. One person sprayed the spray on the locker and the other person, used the magnifying glass to see the fingerprints. "Hmm, we have the fingerprints of him. Let us see if it matches our criminal records." The police took the fingerprint thing to the forensic lab and started matching the fingerprints to see whether it matched their criminal records. To their luck it matched one record. "Hmm, It belongs to someone named Sajit Phulka, he is known for robbery and threatening. He has done robbery in almost 40 houses and has threatened lots of people. He also does drugs. He has been imprisoned for 4 years and now when he is out he has started again. We need to catch him." "Sahab, give me the picture of him I will ask the others if they have seen him somewhere around?" "Good idea Sahadlal." They printed the picture and handed it to 3 inspectors to solve. One inspector went to Dhashalpur, One to Parwanpur, And other to Sajmadnagar. Inspector Javed asked many people in dhashalpur, but all in vain, no one knew him. Inspector Sajesh asked people in Parwanpur, but he also could not find him. Despite asking over 6 people, Inspector Majdave decided to ask more people in Sajmadnagar. Time to time, Inspector Majdave reached one person, "Have you seen this man anywhere around?" He thought for a while and said "Yes sir, he always comes to that tea stall over there, Ghanshyam Tea stall. He comes every Friday. And today it is Friday. Maybe you could find him in a few?" "Thank you so much , Young man! It helps us a lot!" He hid behind a car parked near the tea stall and waited for him.
One man with a black hat, Black sunglasses, and a moustache came to the tea stall. The inspector was suspicious and saw the photograph. "It is him! The features match him perfectly, the moustache and the hat are same!" Inspector Majdave slowly sneaked and ran towards him. The thief was drinking tea. Inspector majdave caught him by the collar, the thief got scared and the cup in his hand fell to the ground, he turned his face and to his surprise, saw a police inspector in front, he tried to run but the inspector grabbed him by the collar and punched him. He grabbed him, called the other inspectors. One inspector, had a van. "Sir, it is a call from Inspector Majdave, the thief has been caught." "Good Job done!" Both the inspectors sat inside the car and drove to inspector Majdave's Location. When they reached they pushed the thief inside the back seat of the van and drove all the way to the bureau.
The chief inspector, hearing the news that the thief was caught and they were on their way, called Noor and Noor's mother Mrs. Farha to the bureau. "Why have you called us here sir? Did you find anything about him?" "No need to find anything about him, we have found him indeed" The inspector told Mrs. Farha and noor to have a seat. Few hours later the inspectors came with the thief who robbed their house in their hands. He was caught red handed. The gold jewellery and the cash were returned to Mrs. Farha and also, they gave them 100,000 rupees so that they can earn a living. But from then onwards Mrs. Farha was careful about leaving the keys with Noor as she was a child and also because of this incident!
Love this story Saisree. Its quite interesting. Mujhe acha laga ki chor Pakda gaya..aur noor ki wajh se jo kuch bhi chori hui wo bhi waps aagyi unke paas. me idhar bahut dinon se hu..par mene ek kahanti tk ni likhi. if this was your first story. You are going well.. Glad to see this story. Keep it up saisree. Umeed h ki me apki aur kahaniyan dekh paun. Btw i am Aalishna from Mumbai. Noor is still...
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Love this story Saisree. Its quite interesting. Mujhe acha laga ki chor Pakda gaya..aur noor ki wajh se jo kuch bhi chori hui wo bhi waps aagyi unke paas. me idhar bahut dinon se hu..par mene ek kahanti tk ni likhi. if this was your first story. You are going well.. Glad to see this story. Keep it up saisree. Umeed h ki me apki aur kahaniyan dekh paun. Btw i am Aalishna from Mumbai. Noor is still a kid, i guess. And kids dont knw much. I bet people will love your stories the more you write saisree. <3
Thank You Aalishna. Glad you liked it. Hope to read your stories as well. Yep..Noor is still a kid so..she doesnt know anything..she makes mistakes as kid. But i love the names of the police officers...
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Thank You Aalishna. Glad you liked it. Hope to read your stories as well. Yep..Noor is still a kid so..she doesnt know anything..she makes mistakes as kid. But i love the names of the police officers as well as the robber :P Phulka is like an indian dish. Anyways Thank u so much <3 it encourages me to see such good comments. Ab tk zyada logon ne toh comment nhi kri h..bs 1 wo neeche wala aur ek aap. :D acha laga aapse milkr
That is quite the mystery adventure story, Saisree. I'm really glad that the robber was caught in the end, and that the savings loss suffered by the main character and her mother was recovered. Thanks for sharing your story on Storystar! : )
That is quite the mystery adventure story, Saisree. I'm really glad that the robber was caught in the end, and that the savings loss suffered by the main character and her mother was recovered. Thanks for sharing your story on Storystar! : )
thank you <3
thank you <3
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Omran's Jubail Hotel Featured in Landscape ME Magazine
Al Jubail hotel designed by Omran in Al Jubail, K.S.A was featured in Landscape ME December 2014 issue.
Landscape Magazine is the first specialized monthly publication targeting the landscaping industry in the Middle East. It is distributed to 5,500 professionals in the UAE, KSA, Bahrain, Kuwait, Oman, Qatar, Jordan, Egypt, and others. Al Jubail hotel is an iconic landmark that was featured in the December 2014 issue. Located in the coastal city of Al Jubail in the Kingdom of Saudi Arabia's eastern province the hotel stands as a bold new contemporary landmark that speaks of the future of the province as the new industrial city. The eight story building is opened up horizontally both visually and spatially complimenting the vision of Saudi's modern day travelers and clearly communicating a physical statement of the future of hospitality in the region. You can read more about the project at the following link: https://issuu.com/allanronald45/docs/landscape_magazine_december_2014


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Teachers of beginning clarinet students should not teach "Going Over The Break" using the right hand down short cut. The only exception to this is when a student is having real trouble and "freaking out." Then, for a very, very limited time the student should be allowed to put it down. Even though it is difficult, it is absolutely critical that students learn to move all the fingers together "Going Over The Break" as this is how they will really play the clarinet.
QUESTION: Should clarinetists put down fingers in the right hand on throat tones ever? Stay tuned! I'll be posting a ClarinetMike Blog post about this in coming weeks! Here's a peek at what's coming:
[Make absolutely sure that students ONLY put down fingers (right hand down or resonance fingerings) in slow passages and NOT in technical passages or scale work. Otherwise, good technique will be hindered.
In my more than 3 decades of teaching clarinet at all levels from 4th graders to graduate students, I've seen lots and lots of students who had very dirty technique due to various pedagogical errors like this above. It is simply unacceptable for teachers to hamstring their students with having to go through a mountain of mind-bendingly slow practice to fix these sort of issues later.]


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New Delhi: Actresses Kareena Kapoor, Karisma Kapoor, Kangana Ranaut added glamour to the grand finale of Lakme Fashion Week 2018 in Mumbai. And, so did Sridevi and her elder daughter Janhvi. Kareena, Karisma and Kangana made the spotlight follow them as showstoppers. Sridevi and Janhvi turned heads without walking on the ramp. The mother-daughter duo were dressed in designer Anamika Khanna outfits. Sridevi wore a grey-coloured dhoti-style jumpsuit with embroidered jacket while Janhvi was dressed in a quirky ivory white printed outfit. She paired her look with a pair of golden danglers. They posed for the media together and were holding each other's hands.
- Sridevi and Janhvi were dressed in Anamika Khanna outfits
- Janhvi was dressed in a quirky ivory white printed outfit
- Janhvi is filming her debut Bollywood project
See Sridevi and Janhvi's pictures here.
Sridevi also shared a picture from last evening. But she doesn't need any caption for this.
February 5, 2018
Last August, Sridevi and her younger daughter Khushi had attended their favourite designer Manish Malhotra's show at the Lakme Fashion Week.
Meanwhile, on Sunday, Kareena and Karisma turned showstoppers for Anamika Khanna while Kangana walked on the ramp for designer duo Shyamal & Bhumika.
Check out the pictures here.
Janhvi is currently shooting for her debut Hindi film Dhadak, opposite Ishaan Khatter. The film is directed by Shashank Khaitan and produced by Karan Johar. Dhadak is a remake of 2016 Marathi blockbuster Sairat. "The basic premise (of Dhadak and Sairat) is same. But there are variations. My story is based on another set up. It is (set) in Rajasthan. It comes with its own challenges, conflicts and style of a love story," Shashank Khaitan told PTI.
Dhadak releases this July.


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We are all on the hunt for affordable cosmetics that are AMAZING in quality. And I am so FOR Black Opal Cosmetics. The pigmentation and quality of their products rival higher end brands. Some of my favorite products by this brand are their Foundations and Concealers and also their awesomely pigmented eye-shadows. Today, I used their eyeshadow duos in this easy to create look.
So let's get to the product break down!!
No7 Beautifully Matte Face Primer
Urban Decay De-Slick Spray
Foundation| MAC Studio Fix Fluid "NC 44"
Concealer| MAC ProLongWear Concealer "NC42"
Under Eye Setting Powder| MAC Set Powder mixed with MAC "Soft Yellow" powder (both are pro products)
Face Setting Powder| MAC MSFN in "Medium Deep"
Contour| MAC "Harmony" Blush
Blush| MAC "Good Girl Gone Bad" Blush (limited edition product)
Highlighting Powder| MAC "Lightscapade" MSF mixed with MAC " By Candlelight" MSF(limited edition)
Base| MAC "Painterly" Paint Pot
Lid| Black Opal ColorSplurge eyeshadow Duo in "Gilty Treat" (gold color)
Crease| MAC "Saddle" eyeshadow
Outer and Inner Corner| Black Opal ColorSplurge eyeshadow Duo in "Tawny Tease" (reddish brown color)
Browbone| MAC "NC 42" Studio Finish Concealer
Top Liner|NYC Black Liquid Liner
Bottom Lash Liner| MAC Power Kohl "Raven" (limited edition)
Mascara| MAC Haute N Naughty "Too Black" Mascara/Lancome Definicils
Brows| Maybelline Define A Brow "Medium Brown"
Liner| MAC "Cork" Lip Pencil
Gloss| Buxom Full-On LipCream in "White Russian"
I love that this look is soft and daytime appropriate but can but smoked up for a easy transition into night. I would add black kohl liner into the water line and add false lashes to amp this up. And probably change the lip color as well.
I love creating the MOTD/Makeup Of The Day for working women. Of course you can achieve a similar look with less products. I say take the bits and pieces you need to make the look your own!
As always, I welcome your feed back and comments. I'd love to hear from you guys.
Until Next Post!


text: GP practices England General practitioner Practice manager Last updated: 07 December 2018 Apprenticeships in England In April 2017, the Government introduced an apprenticeship levy on all employers in England to encourage the employment of apprentices. The money gathered by the levy can be accessed by employers, including NHS Trusts and GP Practices in England, to help assist with the employment of apprentices by covering training and assessment costs. While only larger employers (those with a pay bill over 3 million) will be required to pay the levy, all employers, regardless of size, will be able to benefit from the fund. Apprenticeship policy is devolved, so each nation manages their own apprenticeship programme. This guidance looks at what funding is currently available for employers in England only and explains how the apprenticeship levy works. What is an apprenticeship? An apprenticeship is a job where individuals can gain a qualification and earn at the same time. The opportunities are useful for those who wish to acquire a qualification in a particular area while learning on the job. They are open to new and existing staff and anyone aged 16 and over. At a minimum, the apprenticeship must last for a year but depending on the level of qualification they can last up to 5 years. One of the first steps when recruiting an apprentice is to decide on an apprenticeship 'framework' or 'standard'. Frameworks and standards set out the details of the role of the apprentice, including the levels of difficulty of the course and the role. There are different types of apprenticeships depending on the sector. See apprenticeship standards/frameworks and training providers Health Education England is involved in the development of the healthcare specific apprenticeships including some in business and administration. So far, HEE and Skills for Care have been working to develop approved apprenticeship standards for healthcare support workers and assistant practitioners and plan to develop assessment and implementation plans of these standards. HEE have additional plans to bring together more employers to develop apprenticeship standards in more healthcare professions including practice managers and allied health professionals. Read further information and reviews HEE plan to undertake a full review at the end of 2018 into the NHS's first year of accessing the apprenticeship levy and make recommendations as how to improve the system for the future. How the apprenticeship levy works Employers who have a pay bill of over £3 million are required to pay into the levy to fund apprenticeship training and assessment costs. The calculation involves each employer's contribution of 0.5% being offset by £15,000 pounds, which means the employers are only required to contribute 0.5% once their pay bill exceeds £3 million. The NHS will make an annual payment to the apprenticeship levy of around £200m and to recoup this the NHS will need to employ around 27,500 apprentices every year. Working examples Example 1. Employer paying the levy Annual pay bill of 5 million: 0.5% X £5,000,000 = 25,000 – 15,000 = £10,000 Example 2. Employer who would not have to pay the levy Annual pay bill of 2 million: 0.5 X £2,000,000 = £10,000 - £15,000 = £0 How to pay the levy Co-investment for GP practices/smaller employers Employers that are not required to pay into the levy are not excluded from the benefits. Non-levy paying employers that employ an apprentice will be required to pay a small amount (10%) towards the cost of training and assessing their apprentices (co-investment), with the remaining money coming from the levy fund up to the funding band maximum. The funding band maximum represents the maximum amount of funding that can be accessed. Employers are expected to negotiate with providers on the price of training and assessment costs and where costs exceed the funding band maximum, the employer will be expected to pay the difference. Useful resources HEE has developed a booklet showcasing the benefits of apprenticeship qualifications in primary care support roles. The qualifications include medical administration, business administration, customer service and healthcare and team leading. The booklet titled 'apprenticeships in primary care' also includes a step by step guide on how to employ an apprentice including case studies from apprentices and their experiences of working in primary care. For more general information on apprentices including toolkits, case studies and information on how to employ apprentices in your trust/practice visit HEE's website.


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Jupiter, FL
Jupiter Inlet Lighthouse and MuseumTickets & Info
A Navajo family balances modern life with the traditional "Navajo Way," teaching their children their language, culture, and ceremony within the sacred walls of Canyon.. Read MoreView Now >
Jim Cochran arrived at work before dawn. He walked out into the strawberry fields. As the sun rose and light hit the field, he began.. Read MoreView Now >
An open-pit mining boom is underway in northwest British Columbia, Canada. The massive size and location of the mines--at the headwaters of major salmon rivers.. Read MoreView Now >
Be inspired by Luis Jorge Rivera Herrera; he led a successful campaign to establish a nature reserve in Puerto Rico's Northeast Ecological Corridor, a critical.. Read MoreView Now >
President Jimmy Carter, an unsung environmental hero, grew up in awe of nature's wonder. But it wasn't until he first paddled the Chattooga River's Bull.. Read MoreView Now >
Libby Peter is one of the UK's most respected rock climbers, with years of experience in expeditions, instructing, coaching and guiding around the world. Throughout.. Read MoreView Now >
Beach communities around the world suffer from an abundance of plastic that tragically ends up in the oceans at an alarming rate – over 8.. Read MoreView Now >
Fifty Years ago David Bamberger devoted his life to restoring a neglected and overgrazed ranch in the Texas Hill Country. The result? Water from Stone... Read MoreView Now >
Tiny and delicate, pygmy seahorses survive by attaching to vibrant corals where they become nearly invisible to both predators and researchers. Now, biologists at the.. Read MoreView Now >
An upbeat look at a downbeat topic, coral reefs are home to 25% of all marine species and protect the coastlines of more than 100.. Read MoreView Now >
Máxima Acuña, a subsistence farmer in Peru's northern highlands, stood up to the giant Newmont Mining Corporation over the development of a gold and copper.. Read MoreView Now >
This award-winning comedy series is about a struggle affecting many of us today. Set in the world of a spoofed prescription drug commercial, Nature Rx.. Read MoreView Now >
The Wild & Scenic Rio Grande River is the lifeblood of New Mexico. But for Tesuque Pueblo member Louie Hena and his family, the river.. Read MoreView Now >
National Geographic Emerging Explorer and Adventurer of the Year Wasfia Nazreen doesn't just climb for the thrill; she climbs for a cause. The first Bangladeshi.. Read MoreView Now >
On the island of Saipan, a young girl's mysterious dream about a haggan, or green sea turtle, leads her to investigate the sea turtles that.. Read MoreView Now >
The Grand Canyon is one of the most iconic landscapes on the planet. But this natural masterpiece of the Colorado River faces a battery of.. Read MoreView Now >


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OXYSAN Peracetic Acid Sanitizers such as OXYSAN and OXYSAN 15 are highly effective, economical and environmentally acceptable liquid products that are registered by the EPA for use in the USA.
- Egg Production
- Sanitation of egg shells intended for food use. No-rinse application. Drain and air dry.
- Agriculture & Irrigation Water Systems
- Cleaning Poultry, Swine, and Livestock Water Systems when the system is not in use or when animals are present.
- Disinfection of Animal & Poultry premises, Trucks, Coups and Crates
- For use in animal hospitals, animal laboratories, kennels, pet shops, zoos, pet animal quarters, poultry premises, poultry hatcheries, and livestock quarters. Product will deodorize areas which are hard to keep smelling fresh, such as garbage storage areas, empty garbage bins and cans, and any other areas which are prone to odors caused by microorganisms.
Biosan, LLC is a peracetic acid supplier for the food and beverage, laundry, waste water and agriculture/horticulture industries. For more information about peracetic acid from Biosan, LLC, please contact us today.


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How To Perform An Emergency Triage When Behind Your Bills
Posted on: 17 February 2019
Typically, you will want to pay all of your bills. Any bills you miss will cost you more money through fees and may also lead to your credit score being damaged. In the end, you may have debt collectors calling to recover damages. However, in an emergency situation, you may need to prioritize which bills you'll pay.
Protect Your Income
When you have an income, you must do whatever possible to keep the income stream flowing. For example, if you need a car to get to and from work, make sure to make your car payments so your vehicle does not become repossessed. Do whatever possible to avoid being evicted because this can turn into an emergency situation or may at least be very expensive. It is also much more difficult to continue working when you don't have a residence.
Know When to Move
In some cases, you may need to move. For example, if you are renting an apartment, you could be evicted in as little as a month. However, if you have a mortgage, you may not want to move somewhere less expensive because it may take months for the foreclosure process to end. If you contact the bank, you may even be able to negotiate for a temporary break on your mortgage payments.
Prioritize Bills
Once you have paid the essential bills, focus on bills that would do the most damage. For example, while missing a credit card payment is not advised, missing a child support payment can lead to more dire consequences.
Get a Loan
If you have an emergency, you're best off looking for a loan service, like American Cash Advance and Title Loan, that will help you pay your bills. Even if it may cost money, if you are unable to maintain your income stream, that would be a more dire situation than if you have to pay the interest for a loan and put up collateral. The best type of loan to pay off your bills is a short-term loan.
Many short-term loans will allow you to apply online so you may receive hundreds of dollars in as little as a day, deposited directly into your bank account. Typically, you'll have to prove that you have the income to pay off the loan, such as a paystub. After you have obtained a loan to pay your bills, focus on changes you can make to your life that will allow you to avoid falling behind in the future.Share


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Melbourne Victory coach Kevin Muscat has declared history will be "irrelevant" when his side face Brisbane Roar in their Hyundai A-League elimination final on Friday night, adding he won't hold back with his team selections.
Victory held Brisbane to a scoreless draw in Melbourne last week to deny Roar the Premiers Plate, while the last time Muscat's men played in Queensland they were crushed 5-0.
Berisha primed for face-off against former club
Finals Series focus: Roar v Victory match-ups
History is in Victory's favour, with the reigning Hyundai A-League champions having won four of the past six competitive meetings with Roar, while last Saturday's draw has seemingly given the Big V some vital momentum.
Not that Muscat cares.
"It's all selective because if you look back one game, we'll say we're ultra-confident. If they look back to their last home game [against us], they're ultra-confident," he said on Thursday.
"If we look back to the last three games we've been in Brisbane, we'd be ultra-confident. It's all irrelevant. Everything's irrelevant.
"Everyone makes a case to suit them. The reality is it's [about] who can handle the big stage and the cut-throat end to the season under immense pressure the best."
Muscat added: "We've got players that have delivered on the big stage [in the past] and regularly."
With marquee striker Besart Berisha available after his suspension was reduced on Tuesday and Muscat having rested a number of key players last week, Victory have almost a full squad to choose from against Brisbane.
Only defensive midfielder Rashid Mahazi (ankle) is likely to be ruled out due to a fitness concern.
Muscat indicated both captain Carl Valeri and defender Nick Ansell, who are working their way back to full fitness, are in contention to start versus Roar.
"There's no room for error tomorrow night, so I certainly won't be holding back, saving someone for something that might not be there," the 42-year-old coach said.
"It's a game that both teams must win and I'll be making decisions accordingly."
Berisha, Kosta Barbarouses, Matthieu Delpierre and Leigh Broxham are all expected to return to Victory's starting XI in Brisbane.


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Tickty-Boo is not just a cafe, but a coffee shop, a pop-up restaurant, and a children's stay and play area. We wanted to keep a fun, lighthearted feeling to the website without sacrificing on style or functionality, so we focused on bright imagery and sophisticated icons to add a little excitement.
The website also features a fully functioning events plugin which our clients are able to update themselves with upcoming events, crucial for teh local community to know the goings-on of Tickety-Boo!


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Clearwater's Gentle Dentist, Offers Teeth Cleaning for Children for $59
Come to Clearwater dental office, ClearWhite Dental for your children's teeth cleaning and pediatric dental care needs. Dr. Jergins is a family dentist and a great dentist for your child, beginning at age 2. So if you're wondering, where's a children's dentist near me, give our office a call. Dr. Jergins can see your children, and you too.
Looking for a dentist nearby? We're conveniently located in Clearwater and can often see you the same day you need an appointment. And, Dr. Jergins and his Clearwater dental team will give your child a gentle teeth cleaning, digital x-rays, and a full mouth exam for only $59, for children ages … Read the rest


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I hope you enjoyed your summer vacation. The following is a list of suggested supplies for math class.
3 Ring Binder w/loose-leaf paper or a notebook
2 Dry Erase Markers - low odor/fine point (we use them often)
Small Pencil Sharpener
Index Cards
Post-It Notes
If you prefer a spiral notebook, that is perfectly fine.
*Box of tissues (donation)
I am looking forward to meeting you on September 5th.
We are going to have a great year!
All information regarding Pre Algebra can be found on the Pre Algebra page and calendar page
which includes after school help days and assessment dates.
Directions for student login for Envision is at the bottom of this page.
Students can access their book online.
Period 1/2a 7th Grade Pre Algebra
Period 6b/7a 7th Grade Pre Algebra
Period 7b/8 7th Grade Pre Algebra


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Surge, illuminare, Jerusalem (William Byrd)
Music files
|File details
- Editor: Gerd Eichler (submitted 2012-11-23). Score information: A4, 3 pages, 55 kB Copyright: CPDL
- Edition notes: Transcribed from 1610 reprint. Mensural notation, original note values and pitch, musica ficta clearly marked, clefs modernized. MusicXML source file is in compressed .mxl format.
- Last revised: 2012-11-28
- Editor: David Fraser (submitted 2002-11-26). Score information: A4, 3 pages, 226 kB Copyright: CPDL
- Edition notes: Revised March 17, with minor corrections. MusicXML source file is in compressed .mxl format.
General Information
Title: Surge, illuminare, Jerusalem
Composer: William Byrd
Number of voices: 4vv Voicing: AATB
Genre: Sacred, Motet
Language: Latin
Instruments: A cappella
First published: 1607 in Gradualia II, no. 15
Description: Apparently first intended by Byrd as the Gradual of the Epiphany mass, this piece sets a portion of text from the preceding Lesson, and so has no actual liturgical function.
External websites:
Original text and translations
Original text and translations may be found at Surge illuminare Jerusalem.


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Orange County Mayor Teresa Jacobs had another $30,000 fundraising month in May in her campaign to be elected to the county-wide position of Orange County school board chair.
Jacobs' May campaign fundraising total, reported Monday to the Orange County Supervisor of Elections, was $36,225. Together with the $33,000 she raised in her first month of campaigning, minus expenses, she entered June with $62,137 left in the bank.
While those monthly reports were tops in the field, Jacobs still trails School Board Member Nancy Robbinson in the money race for the chair's job. Robbinson, who began her campaign in late November, came into June having raised a total of $122,525, and had $95,564 heading into June. In May she raised $16,500.
Two other candidates, education administrator Matt Fitzpatrick and teacher Robert Prater, had much more modest hauls in May, toward four-figure totals of dollars for their campaign accounts.
Fitzpatrick, however, actually had more individual contributions than either Jacobs or Robbinson in May. He picked up 68 checks in May, but most were for small amounts, well under $100 each. Jacobs, in contrast, had 26 maximum $1,000 contributions among her 67 donations in May. Those included five checks from various Walt Disney Co. units, one from a Universal Orlando company, and one from the company developing the Brightline passenger train service between South Florida and Orlando.
Robinson had seven $1,000 checks among the 55 she collected in May, with a notable donation from the Fund for Children in Public Education, a political action committee set up by the teachers' union the National Education Association.


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Jimmy Shergill Biography
Jimmy Shergill Wiki
Jimmy Shergill is a smart , talented and famous Indian actor and also a film producer who works in Hindi and Punjabi films. His real name is Jasjit Singh Gill born on 3 December 1970. In 2001,Jimmy married his long time girlfriend Priyanka and both of them a son named Veera.He has changed the spelling of his surname to Sheirgill.
Early Life Of Jimmy Shergill
Shergill was born Deokahia village, Sardarnagar, Gorakhpur district, Uttar Pradesh.She belongs to Sikh family. His family is land owners and distillers, and his paternal grandaunt Amrita Sher-Gil was the famous Indian painter.
For few year he studied in Lucknow at St. Francis' College, after that in 1985 he moved to Punjab. He studied at The Punjab Public School, Nabha and at Bikram College, Punjabi University, Patiala.
Then he moved to Mumbai to try his luck in the film industry. There, he joins Roshan Taneja's acting classes.
Jimmy Shergill Carrer
In 1996,Shergill debut in film industry with the movie Maachis directed by Gulzar based on terrorism in Punjab. After that, he was a part of Aditya Chopra's Mohabbatein alongside stalwarts like Amitabh Bachchan, Shah Rukh Khan, and Aishwarya Rai. Then he work on Mere Yaar Ki Shaadi Hai in 2002, Haas in 2003, Munna Bhai MBBS in 2003, Yahaan in 2005, Lage Raho Munnabhai in 2006, Eklavya: The Royal Guard in 2007, A Wednesday in 2008, My Name is Khan in 2010, Tanu Weds Manu in 2011, Saheb, Biwi Aur Gangster in 2011, Saheb, Biwi Aur Gangster Returns in 2013, Special 26 in 2013, Bullett Raja in 2013, Fugly in 2014 and Tanu Weds Manu Returns in 2015. He also worked with rising star of the time Amisha Patel in Yeh Zindagi Ka Safar in 2001.He also won the Star Guild Awards awards for Best Actor In A Supporting Role for a movie A Wednesday.
Jimmy Shergill In Traffic
Jimmy Shergill is playing the role of the City Police Commissioner in traffic movie. Manoj Bajpayee is playing the role of traffic police constable.
Jimmy Shergill HD Wallpaper
Jimmy Shergil Photos
Jimmy Shergil hd Images
Jimmy Shergil movies: Dil Hai Tumhara, Shareek, Hero naam yaad Rakhi, Tanu Weds Manu, Fugly, Mohabbatein, Bullet Raja, Bas Ek pal, Maachis, Bang bang, Dharti, My Name is Khan, lage Raho Munna Bhai
Jimmy Shergil HD photos
Jimmy Shergil Upcoming Movie: Traffic
Jimmy Shergil Pics
Jimmy Shergil wallpaper hd
Jimmy Shergil hot
Jimmy Shergil Smile
Jimmy Shergil In Traffic
Jimmy Shergil Image
Jimmy Shergil Wallpaper
Jimmy Shergil Model
Jimmy Shergil height:5 feet 8 Inch – weight: 78 Kgs
Jimmy Shergil Pic
Jimmy Shergil Date Of Birth: 3 December, 1971
Jimmy Shergil Actor
Jimmy Shergil Wife: Priyanka Puri
Jimmy Shergil age: 42 Years
Jimmy Shergil Birth Place: Gorakhpur, Uttar Pradesh, India


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My twin pointed out it's been 8 long days since my last post. Not very disciplined of me. I must admit to getting a bit off routine. Yesterday though, I got re-energized about blogging by my little brother, whose funny money blog I mentioned not long ago. He showed me on his iPhone at the cottage, how I can look up 'stats' on my blog and see all kinds of things. Things like what post of mine was the most popular. (Since July anyway, when stats function began). I never would have known otherwise.
It showed all the countries people are looking at my blog from. Top 10 includes:
- Canada
- Brazil
- Russia
- Netherlands
- Mexico
- South Korea
- Peru
- India
- Malta
Pretty cool, eh?
It also showed things like the graph of how views were distributed across time. Not surprisingly, this month since I've not posted much, my views have dipped from September, when my views reached an all time high.
Another quirky stat is Search Words that your blog comes up for, and on the top of my list? 'Beat to a snot'. A favourite expression of mine (denoting fatigue) that is a regular back home in Newfoundland.
I find all this really interesting because before yesterday I really had no way of gauging how many people check out my blog and when, since very few of the people who come by to visit make comments. I suppose I might look into ways to get more commentary and discussion going. I know that one of my goals before the end of the year is to get some more organized and permanent content up front on my blog to make it easier to see some of the things I've learned and used this year to help me with not buying anything new.
I'll just catch you up briefly on what's been going on in the Nothing New world since we last met. I had my girl's reunion in London and it was great! Cindy, who is also trying to decrease her consumption and reads my blog surprised me with a gift (if you recall, I am allowed to accept gifts!) of an adorable purse from Weezi. She likes to use vintage patterns and fabrics. Also, on a thriftiness note, we went out for drinks to an old spot we all had worked in university, and for brunch the next day, but otherwise had a great meal and drinks at Sarah's house and it was so fun and relaxing and just reminded me I need to do more friend outreach and visiting in homes (both at my place and away).
I've definitely been working hard on my resolutions from The Joy of Not Working (aka more non-passive leisure). I've been doing more crafty stuff, more writing, and working on a video project.
I also have been trying out some recipes on the blog of Squalkfox, whose blog I mentioned not long ago. A lot of her stuff is on money and if her tag line is correct will apparently help me make frugal living 'sexy, delicious, and fun'. All that with a crock pot of her baked beans. We'll see...
Okay, so what else is going on? I've gotten semi used to my new job where I am still running to keep up. But enjoying it. I will be taking a Mindfulness Meditation course through my work starting November 8th, and I am really looking forward to forcing myself to take a breather and stop time traveling to ruminate about the past or worry about the future, and get good at just 'being'. I think that ties in with the Nothing New theme too. Shopping is often about boredom and dissatisfaction.
On the topic of boredom, our go-to-girl on happiness gave this fabulous advice that I've been smiling out loud to this week: If something bores you, try putting the word 'Meditation' after it. As in, 'I'm doing my Bus Waiting Meditation'. Puts a new spin on it. Kind of like someone else I once read who said when trying something new to ward off people's opinions and nay saying, you can say 'I'm experimenting with...' I think he meant something like a healthy change or something difficult that people are likely to pass judgement on. 'Experimenting with' makes it more playful and takes some of the heat off of having to succeed or be perfect. As in 'I'm experimenting with a No Spend Week.' I wish I could remember who wrote it.
Plan: I want to see if I can get another 'No Spend Week' challenge going. I think I will check in with the champ at Consumption Rebellion who rounded up the troops for the last one. Maybe we can get it to coincide with the 'Buy Nothing Day' in November.
So, I'm off to work on that sexy crock pot of beans. I'll let you know how she goes.
xo Tara


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Savannah State rallies in overtime, defeats Coppin St. 72-63
SAVANNAH, Ga. (AP) Brian Pearson and Lenjo Kilo scored the first four points in overtime and never gave up the lead as Savannah State held off Coppin State 72-63 Monday night.
Trevon Seymore scored and added a free throw after being fouled by Pearson with 13 seconds left in regulation, and Savannah State missed a tie-breaking shot at the buzzer, forcing overtime at 57-57.
Troyce Manassa and Kamil Williams scored 13 points each to lead the Tigers (9-13, 5-6 Mid-Eastern Athletic). Pearson finished with 11 points and 10 rebounds, and Kilo nine points and nine boards. Manassa also grabbed nine rebounds.
James Sylvester led Coppin State (5-18, 3-7) with a career-high 25 points, including five 3-pointers, and Christian Kessee added 18 points. Seymore finished with nine points including a 3-pointer to bring Coppin State as close as 63-61 in overtime. His game-tying free throw in regulation was the only one he made.


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German supermarket giant granted approval to build its first SA store05 Apr 2019 Food wine and agribusiness
One of the world's largest retailers, Kaufland, has been granted development approval to build its first South Australian store in Prospect, creating hundreds of construction and retail jobs.
Global start-ups to be lured to new SA 'Landing Pad' to grow local jobs and industry21 Mar 2019 Hi-tech
Leading international start-ups will be lured to South Australia under a $4 million investment from the Marshall Government's Economic and Business Growth Fund to further stimulate the local economy, create jobs and grow crucial industries.
New SA trade and investment office in Tokyo opens08 Mar 2019 Food wine and agribusiness
Growing local jobs, driving inbound investment and creating new opportunities for South Australian exporters in the world's third largest economy will be the focus of the Marshall Government's new trade and investment office in Japan.
Ingham's state-wide expansion a jobs boost for Regional South Australia20 Feb 2019 Food wine and agribusiness
Hundreds of South Australian jobs have been created, as part of Ingham's Group Limited's $279 million state-wide expansion.
First entrepreneur visa paves the way for more ahead14 Feb 2019 Hi-tech
A former sommelier and hospitality manager, Italian Simone Berliat, has become the first recipient of the Supporting Innovation in South Australia (SISA) entrepreneur visa trial.
French clean power producer invests in South Australia19 Dec 2018 Energy and mining
Multinational renewable energy producer, Akuo Energy, is investing in South Australia, with the capacity to lower energy prices for households and businesses and create dozens of local construction jobs.
Warren Buffett's Berkshire Hathaway expands into South Australia10 Dec 2018 Investment
The world's fourth largest public company*, Berkshire Hathaway Inc.
Southern Launch satellite facility in South Australia to be the first of its kind in Australia04 Dec 2018 Space industry
South Australia's potential as the nation's emerging space capital has skyrocketed with local company Southern Launch announcing today that it will build Australia's first orbital launch facility.
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I am very new to sharepoint and so is the organization I work for. Our IT group has created a Sharepoint calendar which I have subsequently embedded in our website (external to sharepoint). The calendar takes up a lot of real-estate on our web page and I am wondering if it can be customized to remove the left-hand column that displays the mini calendar of months and also Saturday and Sunday. Right now, our parents have to scroll around to see the entire calendar. Additionally, the calendar is not viewable from mobile phones. On ipad, you can view the calendar, but cannot open any events to view details. Any help is greatly appreciated! Thank you! Kat
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Conference Tours
NCAC will be offering five high school career academy tours on Wednesday, November 13th on the last day of the conference. Each tour is $35 and includes breakfast on Wednesday morning before the buses depart at 7:30 AM.
Sign up early as space in each academy tour is limited and they sell out fast!
Tour #1 - Roxborough High School (A national model academy school)
Located on Ridge Avenue in the Roxborough section of Philadelphia, Roxborough High School offers college and career-connected educational opportunities for all students. The school is led by Principal Dana A. Jenkins, who is, herself, a graduate of the Philadelphia School District and has worked in the school system since 1997. Although the students come primarily from the Roxborough, Manayunk, and Germantown sections of Philadelphia, the school also serves a significant number of students from all over Philadelphia who are attracted to Roxborough by its exceptional academies and CTE programs.
Roxborough is an All-Academy high school. This term means that Roxborough enrolls every student into their choice of a Career Academy which may be a Career and Technical Education (CTE) program or a career-themed Academy. The All-Academy structure provides students with an experience that infuses their career electives with academic course work, preparing them to succeed in college, career, and life.
Currently, Roxborough has three career academies in addition to the Freshman Academy, which are identified below with their corresponding industry pathways. The Freshman Academy is designed to help 9th graders transition from middle school to high school. The teachers focus predominantly on freshman classes where they are sensitive to the needs, challenges, and successes that freshmen may encounter. A mandatory Freshman Seminar course is designed to support students in skills such as time-management, organization, college preparation and self-advocacy.
The Academy of Visual Arts Production is composed of two different pathways: Film & Video Production and Web Design. In web design, students learn to write code in order to design and create well developed customer web pages. They are also able to earn Adobe Illustrator and CertiPort. Film and video students learn and master professional camera and video techniques, and frame writing. Students are able to earn Adobe Premier, Premier Pro and Final Cut Pro certifications.
The Academy of Business Technology & Entrepreneurship is also composed of two pathways: Entrepreneurship and Sports Marketing. In these pathways, students follow a three-year sequence of Business and technology courses in which they acquire the knowledge and skills that are necessary for success in both college and the world of business. Business students explore a curriculum that includes keyboarding and word processing, marketing, office skills, business management, business communication, digital literacy, accounting, personal finance, and entrepreneurship. Students are able to earn Microsoft Word, Excel, and PowerPoint certifications.
The Academy of Health Sciences & Research is composed of two additional pathways: Biotechnology and Kinesiology. These pathways prepare and empower scientifically literate graduates who demonstrate the critical thinking and problem solving skills necessary to confront issues that impact human health and the environment research. The Biotechnology pathway encompasses a three-year sequence designed to support students that are interested in bio-medical science, research and applications. Students also earn lab safety, OSHA and Mental Health First Aid certifications. Kinesiology students develop knowledge and skills they will need to pursue careers in sports, fitness, and exercise. This program includes instruction in human anatomy and physiology, exercise science, nutrition and the management of sports related programs and facilities. Students are able to earn Physical Trainer and Mental Health First Aid certificates. Several of our students are also STEAM Scholars which is supported by the in a partnership with Health Workers Union 1199C. We have MESA competitors who have built and programmed a prosthetic arm. Our team of teachers work together to plan cross curricular PBL's such as the current Movement Analytics project between kinesiology, math and social studies
All of our pathways compete in local, state and National competitions and have repeatedly placed at top levels in all areas. Our competitive spirit drives our staff and students to pursue excellence.
Tour #2 - Abraham Lincoln High School
Through our four Academies, we work to equip all students to be citizens, scholars and leaders by engaging them through academics and creative career- and service-based learning experiences. And it shows: In 2018 Abraham Lincoln students earned more than $3 million in college scholarships, and 70% percent of our graduates received college admissions. The academy structure allows for our students to learn in small learning communities that are career themed. By the time our students graduate, they have a strong academic background with real-world learning experiences to add to their resumes.
Our Freshman Academy provides support and guidance to incoming students, ensuring they land on a pathway toward a future they're excited to pursue. During sophomore year, students enter their area(s) of interest.
The Academy of the Arts includes pathways in Fine Arts and Horticulture. Students participating in this Academy have the opportunity to create an interactive display at the annual Pennsylvania Flower Show or create art that has been exhibited. .
The Academy of Sciences includes pathways in Health Related Technology and Environmental Engineering Technology. Students participating in the Health Related Technology learn in a mock hospital setting complete with hospital beds and nursing equipment. Students in Environmental Services have year-long, real-world learning projects including a partnership with an "adopted" African school to conserve water, tending and managing the school's garden, and exploring environmental projects along the Tookany Creek.
Abraham Lincoln High School's robotic's course and after school club allows students to gain knowledge and awareness of fundamental robotics and STEM principles through the engineering process. A Computer Scientist from the Philadelphia Navy Yard mentors our students on programming once a week after school. We have received sponsorship from DoD (Department Of Defense), Verizon, and Central Coalition.
The Academy of Professional Services includes pathways in Law, Business Technology and Sports Marketing. In these pathways, students can earn industry certifications in Microsoft, and learn how to create their own business plans to support their entrepreneurial ideas. Students in the law pathway participate in mock trials with professionals. Accounting & Financial Services is an instructional program that introduces students to the accounting principles for various business owners. From journals, ledgers, worksheets and financial statements, to taxes and bank reconciliations, the program covers both the knowledge and hands-on skills of accounting basics. Instruction in Quickbooks is one of the valuable skills students can take into the workforce, as well as the ability to track financial details from journal entry to closing a fiscal period.
Students also learn soft skills to work in any professional office setting. They are developing skills to become budding entrepreneurs by learning how to write business proposals and how to seek venture capital. Students earn certifications in Microsoft Office, Quickbooks and IRS Basic Tax Preparation. It is the goal of this program to prepare all students for immediate employment or further education upon graduation.
Tour #3 - Fox Chase Farm
Please Note: Fox Chase is a working farm. Casual dress, sneakers, etc. is recommended.
Fox Chase Farm is a 112-acre demonstration farm owned by the City of Philadelphia and the Fairmount Park Commission and managed by the School District of Philadelphia. Fox Chase is a working educational farm and serves as the hub of K-12 agriculture education for the school district. The Farm also receives support from an active community organization called the Friends of Fox Chase Farm. The farm provides hands-on, STEM educational experiences to over 25,000 students, families and community members each year. The mission of the farm is to engage students and the community in agriculture and environmental literacy. The farm's educational programing supports on-farm engagement for all levels of learners, as well as in-school development of urban agriculture programs that are placed directly in schools around the district.
Current Initiatives of Fox Chase Farm Include:
- On-farm field trips and programming for Pre-K to High School groups
- Agriculture Empowerment Schools training for teachers
- CTE Project Experiences for students in the Building Trades and Horticulture
- An Innovative Senior Year Only program for students interested Agricultural Careers
- An equestrian program for Special Needs Students
- Work based learning experiences for students
- Summer Work sites and Internships
- Agriculture Outreach for teachers and schools of all grade levels – Ag in the Classroom
- Internships for Delaware Valley University students
- Community events such as "Apple Fest", "Maple Sugaring Days," & "Sheep Shearing Days"
The History: From 1683
William Penn (Founder of Pennsylvania) sold 500 acres to Lord Stanley in 1683. The land passed to the McVeigh family, where for over 200 years, it was a frontier homestead. In 1821, Thomas Wistar, of a prominent Quaker family, purchased 100 plus acres from McVeagh and built a large, central-entrance stone mansion known as "Stanley." This building is still on the Farm and is now known as "The Manor House". Thomas Wistar Jr. built a second house for his son, Thomas III and his wife Priscilla, ca. 1849 and still stands today. Thomas Wistar Jr. established the property as a working, self-supporting farm.
In 1901 the Farm was purchased by Friends Asylum for the Insane who used the site for agricultural purposes and for the treatment of women patients. All the latest farming methods were used. Each cow even had a supply of fresh water. During this time, the Manor House was renovated and dormers were added. The attached well house was probably used for cooling milk.
Prior to the purchase by the City of Philadelphia Fox Chase was briefly a gentlemen's farm owned by Charles Lorimer, publisher of the Saturday Evening Post and Harold Butler. it fell into the hands of developers between 1876 and 1901 and again between 1969 and 1975. The developers failed and the farm lived on when in 1975, the City of Philadelphia purchased the farm.After a devastating barn fire in 1997, the community immediately began to raise funds for restoration and in 2000 the Philadelphia School District, with some financial assistance from the Fairmount Park Commission provided funding for rehabilitation of the barn. The farm stands today as a tribute to citizen activists who fought to preserve the farm and the failure of developers who desired to bulldoze the farm. Fox Chase Farm was added to the National Register of Historic Places in 2005.
Tour #4 Finishing Trades Institute
The mission of the Finishing Trades Institute Intern Partnership programs is to educate and provide necessary experience, for current high school students, on the skills and demands of the apprenticeship programs offered at the Finishing Trades Institute of the Mid-Atlantic Region (FTI) (Drywall Finishing, Glazing, Painting, and Paperhanging). The VIP and EVIP programs are used as a stepping-stone for students to progress from classroom to potential Apprentices or Industrial Workers.
The FTI offers two program offers two programs for high school students.
- The 2 year or 180-hour VIP program affords students construction industry wide recognized certifications in OSHA 10, Scaffold Erector Dismantler and First Aid, and CPR. Students attend the FTI weekly on specified days during the school year for 14 weeks during both their Junior and Senior years in high school.
- The Enhanced VIP Program offers a full-time senior year program. Seniors attend the FTI 5 days a week until the first week of June. Their senior year academic requirements are met by having classes at FTI that align with their high school graduation requirements. At the completion of their yearlong program they receive 30 transferable college credits, 6 industry recognized certifications, advanced standing into the apprenticeship programs offered at the FTI and their high school diploma.
Topics of instruction include Trade Math, Labor History, Blueprint Reading, Scale Drawing, Tools of the Trade along with Craft Specific Training through theory and hands-on learning experiences. Students are versed in Interview, Life and Finance Skills, Aptitude Testing Preparation along with knowledge of Green Environment Awareness in construction.
This program has been in existence for over ten years in collaboration with the School District of Philadelphia and visitors to the FTI will hear about the program, how the program meets graduation requirements, state standards, industry standards and a tour of this modern training facility.
The VIP and EVIP programs have been recognized by the United States Department of Labor as a model program for relationships between indsurty the trade profession and local school districts to meet future employment demands in the construction industry.
Tour #5 The Workshop School
The Workshop School is a project-based, public high school in West Philadelphia. Our goal is to connect disadvantaged students to viable and sustainable career pathways through skill building, exposure, and real-world experience. The Workshop School is a partnership between Project-Based Learning, Inc., our nonprofit arm, and the School District of Philadelphia.
Why we exist
We started the Workshop School to solve two related problems. First, there is a profound mismatch between the skills that schools prioritize and those that are valued and needed in the workplace. Nearly three decades of research has consistently shown that problem solving, collaboration, project management and self-regulation are the competencies most critical to career success. Schools largely ignore these skills, focusing instead on static content knowledge, the vast majority of which is of little use beyond high school. Second, this mismatch is most acute among disadvantaged students, too many of whom are exposed solely to remedial instruction and "basic" skills, leaving them woefully underprepared for either college or the workplace.
Our belief
To be successful beyond high school, students need two things: a strong foundation of skills needed in any walk of life, and real-world experiences that help students put those skills into practice. The skills foundation is common to all students: problem solving, collaboration, and project management are vital skills for all career pathways. On the other hand, experiences should be tailored to students' interests and goals: a student who plans to be a pharmacist should intern at a pharmacy and take college classes, while a student pursuing a career in automotive technology should learn technical skills and gain experience as a member of a team and interacting with customers.
Our model
The Workshop School is organized into lower (9th and 10th) and upper (11th and 12th) "houses." The lower house focuses in building a strong foundation in seven critical skill areas: critical thinking and problem solving, collaboration, project management, self-awareness, improving with feedback, literacy and numeracy. Skills are built through projects focused on real-world questions and problems, often with outside organizations as partners. In addition to their project work, students take afternoon seminars to introduce them to shop skills and help build their literacy and numeracy skills. At the end of 10th grade, students are required to complete a Gateway Project consisting of a portfolio of work and an oral defense. We challenge students to prove to us that they are ready for greater freedom, autonomy and opportunity. Specifically, they are required to demonstrate that they have a clear vision for their future beyond high school, and a plan for how they intend to use their final two years of school to fulfill that vision.
Students who pass the Gateway Project have the opportunity to transition to the upper house, which is broken into three strands: career and technical education (CTE), internships, and dual enrollment/college prep. While each strand is unique, all three provide students with opportunities to work and learn in real-world contexts, with classroom/project work supporting their experiences in the field. For example:
Students in the CTE strand run our highly regarded "Cars from the Heart" program, in which Workshop Students repair and refurbish cars which are then donated to graduates of Youthbuild Charter School. Select CTE students also have paid internships with the city's Office of Fleet Management, which convert to full-time paid positions upon graduation.
Students in the internship strand identify organizations/companies working in their area of interest and learn to network with those companies. Working collaboratively with host sites, they define the internship experience and align it to specific learning goals. Internships begin halfway through junior year, and can continue through senior year.
Students in the dual enrollment strand take credit-bearing college classes at Drexel University and Community College of Philadelphia. When not on campus, they take custom-designed courses focused on helping them understand, navigate and succeed in the college environment.
Our results
On average, incoming 9th graders at the Workshop School perform at a fifth grade level in reading and math, and many were chronically truant and/or faced disciplinary challenges in middle school. Yet Workshop students demonstrate high levels of engagement and academic growth. For example:
In 2016-17, average attendance at the Workshop School was 93 percent, roughly 12 points higher than that of students in similar schools and within two points of the city's most highly selective magnet schools.
Nearly three quarters of all Workshop students demonstrated at least 1.5 years worth of growth in reading and math, as measured by NWEA MAP Assessments. And over 80% of Workshop students demonstrated growth and/or proficiency in five critical skill areas: problem solving, collaboration, project management, self-awareness, and improvement with feedback.
100% of Workshop seniors graduated on time, and 97 percent were accepted into at least one two- or four-year college.
Nearly one third of Workshop seniors participated in internships either during the summer or the school year, while another third worked on projects with a "live" client or customer.
Ultimately, the true measure of our success is how our students perform after they graduate. We are actively tracking the progress of the class of 2017, our first cohort of graduates.


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Diahann Lassus Named One Of Southwest Florida's Top Wealth Managers
BONITA SPRINGS, FL (March 20, 2008) – Diahann W. Lassus, CPF®, CPA, was named one of Southwest Florida's Top Wealth Managers in the March 2008 issue of Gulfshore Life Magazine.
Diahann, President of Lassus Wherley, was chosen as one of an elite group of 2008 FIVE STAR Wealth Managers, representing less than three percent of the wealth managers in the Southwest Florida area. Crescendo Business Services, an independent research firm, surveyed 27,500 high-net-worth residents in the Southwest Florida area and subscribers of Gulfshore Life magazine. An additional 2,900 surveys were sent to leaders of financial service industry companies.
Recipients were asked to select wealth managers whom they knew through personal experience, and to evaluate them based upon nine criteria: customer service, integrity, knowledge/expertise, communication, value for fee charged, meeting of financial objectives, post-sale-service, quality of recommendations and overall satisfaction. The list was then reviewed by a blue-ribbon panel comprised of knowledgeable individuals from within the financial services industry.
Lassus Wherley is a wealth management firm with offices in New Providence, New Jersey and Bonita Springs, Florida providing fee-only comprehensive financial services, including financial planning, investment management, tax, trust, and family office services. The Lassus Wherley web site is www.lassuswherley.com.


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Almost 100,000 people die of cardiac arrest each year in the UK , that's more than 1,750 a week - this is the highest figure in Europe. (Scotsman Newspaper)
90% of victims survive if defibrillated one minute after cardiac arrest, only 10% survive after nine minutes (www.allina.com)
It is estimated that 75% of cardiac arrests occur outside of hospital (www.dept.washington.edu)
More than 270,000 people suffer a heart attack each year – that's one heart attack every two minutes. (British Heart Foundation, BBC News, www.lifeway.com)
The most common time for a heart attack to occur is Monday morning between 8am and 11am
Less than 5% of cardiac arrest victims survive (www.healthlink.mcw.edu, www.livesuk.org,)
The UK has the longest working hours in the European community
Having a stressful job is worse for your heart than putting on 40lbs or aging 30 years
Manual workers are more likely to suffer heart attacks because of high pressure caused by hard work, overtime and night shifts
There are 13 million full time workers in the UK and of these 25% work up to 10 hours of overtime a week
More than 24 million working days are lost each year by firms failing to implement basic health and safety procedures
Workplace accidents now cost UK businesses approximately £2.5bn in lost trade every year
In 2002/2003 there were 154,430 accidents in the workplace, of these over 226 were fatal
The number of major workplace injuries rose by 15% from 28,011 in 2001/2002 to 28,426 in 2002/2003
According to the Royal Society for the Prevention of Accidents almost 29 million working days are lost due to accidents and ill health
People who suffer from stress for at least half of their working lives are 25% more likely to suffer a fatal heart attack and 50% more likely to die from a stroke than people with less stressful jobs.
By the year 2010, the Government's Re vitalizing Health and Safety Strategy launched in 2000 envisages a 10% reduction in fatalities and major injuries at work, a 20% reduction in occupational illness and a 30% reduction in resulting sickness absence
One in 11 employees are injured or made ill by their work activity everyday
In an average year, 1,000 people are killed in workplaces
If you have a question try our frequently asked questions page for more informationMore info
The UK has the longest working hours in the European communityMore info
To find out more about our products and services or place your order contact us today
or call: 08700 418141
Stay updated on the latest news and course availability from Trust Medical


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"Back Off" Devil 24" x 30" colored rubber mudflap - PAIR
Scroll down for more information and Related Products
This isn't your run-of-the-mill, cute, sassy devil - he's serious about keeping other vehicles off your tail!! His fire breath will surely catch the eye of would-be tailgaters and remind them to keep their distance.
Out of stock - returning soon!
Price: $59.95


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Crab-Stuffed Portobellos
Total TimePrep/Total Time: 25 min.
Makes2 servings
- 2 large portobello mushrooms
- 2 tablespoons olive oil
- 1 garlic clove, minced
- 1 can (6 ounces) crabmeat, drained, flaked and cartilage removed
- 5 teaspoons mayonnaise
- 2 roasted sweet red pepper halves, drained
- 2 slices provolone cheese
- Remove and discard stems from mushrooms. Place caps on a greased baking sheet. Combine oil and garlic; brush over mushrooms. Broil 4-6 in. from the heat for 4-5 minutes or until tender.
- In a small bowl, combine crab and mayonnaise. Place a red pepper half on each mushroom; top with crab mixture. Broil for 2-3 minutes or until heated through. Top with cheese; broil 1-2 minutes longer or until cheese is melted.
Editor's NoteReduced-fat or fat-free mayonnaise is not recommended for this recipe.
Nutrition Facts1 each: 414 calories, 30g fat (8g saturated fat), 103mg cholesterol, 1014mg sodium, 7g carbohydrate (4g sugars, 1g fiber), 25g protein.
Every product is independently selected by our editors. If you buy something through our links, we may earn an affiliate commission.
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Feb 14, 2019
Absolutely loved these!
Jun 21, 2013
Absolutely delicious. I also made them on the grill using the same technique. Fabulous!
Jun 10, 2013
This is a wonderful recipe when you want to impress some guests. Easy to make and delicious!
Sep 22, 2011
Easy, Delicious! I added Parmesan cheese to the crab/mayo mix and used Mozzarella on top since I didn't have Provolone. It was great! I will be anxious to taste it with Provolone, too!
Mar 5, 2011
I will definitely make these again. I cooked these exactly as the recipe said and they are delish. And no you do not have to cut out the gills, the cheese on top holds it all in. And the garlic olive oil did not burn on the shrooms. But I cooked mine on low broil.
Feb 17, 2011
Alrighty ... superb. High tens all around from my family. (I tripled the recipe.)Because I wasn't sure about the garlic oil, I brushed it on the insides and rims of the mushrooms, and sprayed the caps with a little olive oil spray.Another thing the recipe could more specific about is to say "remove stems and GILLS." If you don't remove the gills, there is no room for the filling.But ... they were delicious. One daughter said it was the best meal I've cooked so far this year (back-handed compliment, right?). They want me to make these again next week ....Thanks to Pat Ford for this recipe for a new family favorite. :-)
Feb 16, 2011
Annabelle ... I'm making these tonight, and I had the very same question. I wish the recipe had been more clear about that. I'm just going to brush the insides. Since the oil is mixed with garlic, it seems like the garlic could burn if the mixture is brushed on the outside? Will be back after dinner with a rating. And, drat, I forgot to buy roasted red peppers, so now I have to make a dash to the grocery store.
Feb 13, 2011
I won't even consider making a recipe until I have read reviews--and I copy the most helpful to me when I print the recipe!!
Feb 10, 2011
Does anyone read these reviews?Did you brush the inside or the outside with the oil?Thanks.
Feb 9, 2011
We loved it but I had t wonder about brushin the garlic oil. I did it on the inside but I wondered if it should have ben the outside to coat the under part of the mushroom.What did you do? Thanks.


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The Falster Smartwatch boasts an interactive touchscreen and a range of smart features powered by Android Wear 2.0 including: Google Assistant, smartphone notifications, activity tracking, world time, weather and more. Choose from time- or function-based displays for easy access to your favorite features, and add your favorite third-party apps from the App Store or Google Play. A battery-efficient dial design provides up to 24 hours* of use on a single charge, and interchangeable straps allow you to customize your look. Each watch comes with an inductive magnetic charger… More here.
Great design and a move to traditional meets modern in terms of the aesthetic, but bizarrely it lacks heart rate monitoring which will rule out the fitness tracking feature for many.
Categories: Smart Watches