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Hosted Unified Communications Market, 2009-2013By Radicati Team • May 22nd, 2009 • Category: Reports
A comprehensive analysis of the Hosted Unified Communications market., including:
- Market Size, Installed Base & Revenue Market Share by Vendor, Four-Year Forecasts, Breakouts by Region, and Breakouts by Business Size.
- The study covers two key market segments:
- Hosted UC Providers
- Telecom UC Providers
- In-depth analysis of leading market players: Apptix, AT&T, CallTower, Cypress Communications, Hutchinson 3G, Intelliverse, Intermedia, LightEdge, Microsoft, NTT DoCoMo, Onebox, Orange SA, Skype Technologies, Sprint Nextel Corporation, Telus Corporation, USA.NET, Verizon Communications, Vodafone, and others.
This report is intended for Organizations, Vendors, and Investors who need to make informed decisions about the Hosted Unified Communications market.
$2,500 by Credit Card or $3,000 by company PO. If you wish to order by PO, please click here.
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Screven is a city in Wayne County, Georgia, United States. The population was 702 at the 2000 census. Although it was a railroad town as early as 1847, it was not officially chartered until August 19, 1907.
Screven is located at 31°29′6″N 82°0′59″W (31.485008, −82.016305). According to the United States Census Bureau, the city has a total area of 2.2 square miles (5.7 km²), all of it land.
As of the census of 2000, there were 702 people, 291 households, and 196 families residing in the city. The population density was 324.0 people per square mile (124.9/km²). There were 346 housing units at an average density of 159.7 per square mile (61.6/km²). The racial makeup of the city was 58.12% White, 39.60% African American, 0.28% Native American, 1.85% from other races, and 0.14% from two or more races. Hispanic or Latino of any race were 2.14% of the population.
Bio-One services all types of trauma, distressed property, and biohazard scenes in communities throughout Savannah Area. We partner with local authorities, communities, emergency services personnel, victim services groups, hoarding task forces, apartment complexes, insurance companies and others to provide the most efficient and superior service possible.
We are your crime scene cleaners dedicated to assisting law enforcement, public service agencies and property owners/managers in restoring property that has been contaminated as a result of crime, disaster or misuse.

subset: commoncrawl


text: I'm going to be real with you: Everything you desire is right in front of you. It's set. There is no "maybe", "possibly", or "hopefully". What you want in life, you already have. Now many of you may stop for a second and stare at this post confused. You'll look around you and notice…Read More


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TORONTO, ON--(Marketwired - February 06, 2018) - Over the next decade, digital transformation (DX) will touch each layer of every organization. It will create trillions of dollars' worth of value. Sure. But what if it's hundreds of millions? Or just millions. And maybe the outcome is years away from being realized. Maybe it depends on the industry you work in. And possibly where you're located. And maybe it's less financial and more operational.
There is no shortage of predictions and forecasts on the impact of digital transformation, but the only ones that matter are the ones that will impact you and your business.
Today the DX Institute has launched a new insights and advisory service geared toward helping companies directly understand what matters to them and what key DX developments are poised to change their future. The service provides executives with custom research and insights on how they should think about competition, hiring, training and major industry technology developments.
"Whether it's large enterprise, or a growing small business, every company faces the impact of digital transformation," says David Potter, Managing Partner of the DX Institute. "Executives are recognizing the need to understand how technology and innovation are changing the nature of work, competition and the attraction, retention and engagement of talent. This new service is meant to cut through the noise and hype to help leaders focus and respond to developments that will directly impact their business."
The DX Institute is teaming up with digital transformation publication, DX Journal, to deliver the service via a team of researchers, business strategists, analysts and journalists.
The partnership combines research and market analysis with journalistic interviews of executives to help companies understand DX's impact on their business and their readiness for change. The service will identify which new technologies and innovations will upend their industry, open up opportunity, and provide context around how competition will change as a result.
"There's no escaping that every area of a business is going to have to manage the change that digital transformation brings," said Potter. "Digital transformation should not be left for the IT department alone to figure out."
Dubbed "Here's the thing about…", this DX Institute service will provide companies with an easy-to-understand presentation and report breaking down trends for multiple departments and for every skill set with documented takeaways and action items.
The company will address DX across multiple industries and for teams in finance, HR, marketing, sales and IT.
For more information visit the DX Institute.
About DX Institute: The DX Institute is Canada's voice for digital transformation. Through education, research and thought leadership the DX Institute helps Canadian organizations successfully navigate the complexities of digital transformation and thrive in a rapidly changing global economy. For more information visit www.dxinstitute.com
About DX Journal: A product of Digital Journal Inc., the DX Journal is Canadian-built publication dedicated to covering innovation and digital transformation for the world. Leveraging a network of subject matter experts across multiple industries, the DX Journal is the first international publication to launch with a dedicated focus on digital transformation. For more information visit www.dxjournal.co
Contact Information:
David Potter
Managing Partner
DX Institute


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Food And Cooking
If you have the ambition and can figure out the logistics you can eat like a king on the playa. If you are less ambitious or are flying in the logistics are much more difficult and a minimalist approach might be more suitable. And anything in between. Rather than tell you what to eat or how to cook it, I have made some notes of things you should take into consideration when planning your meals for the week.
The vast majority of people I've spoken to have a greatly reduced appetite on the playa. Keep in mind that you are consuming an awful lot of water which tends to make you feel bloated. Personally my appetite is almost non existent on the playa. Most of the year I consume between four and eight thousand calories a day. On the playa it is at most 10% of that, and I have to force myself to eat even that much. I lose about 15 - 20 pounds during the week and it takes several months for my appetite to return to normal. My son's appetite is reduced but far less than mine. Your mileage may vary so I suggest that you bring as much as you normally eat, but don't be surprised at how much is left at the end of the week.
If you plan to cook, it will require a lot of stuff. Stove, barbeque, pots, pans, utensils, dishwashing, cutting board, and so forth. Further, you will need a strategy to keep your fresh foods usable and your frozen foods frozen. Finally you will need a strategy to deal with all the gray water and smelly food garbage.
Mesh Bag
Many camps place food scraps that would otherwise rot and stink into a mesh bag and hang it up to dry out before putting it in the trash. This is particularly good for vegetable and fruit scraps.
Minimize Gray Water
Although most of us love pasta, cooking it generates a lot of gray water. Generally rice is a better option as it absorbs the cooking water. Using a pump spray for dishwashing also minimizes the water used. Every little bit helps.
Obviously coolers are an essential part of food storage at the burn. You need good ones like the extreme ones they sell. If you plan to keep stuff frozen you will need one containing dry ice and one to just refrigerate in. Note: Avoid styrofoam coolers - they are a moop disaster waiting to happen. Coolers should be kept in a shady spot and up off the ground (set it atop wood blocks). It is also a good idea to cover the cooler with a heavy quilt or moving blanket if possible.
My personal favorite approach since I usually find cooking too much effort on the playa - especially since I eat so little there. I live out of cans which can be heated up on the vehicle's dashboard (I wasn't joking about it being hot on the playa - I don't even bring a stove). This is the way I have always tended to eat when camping. Don't get me wrong - it gets old fast and after a few days you are basically just eating for sustenance, but it makes you appreciate the occasional gift of freshly cooked food so much more.
Your travel arrangements and budget will in large part determine your options for food. If you are driving then multiple coolers, stoves, etc... are much more doable. If you are flying and have a big budget, you could just buy everything you need after getting off the plane. Those of us flying in that are on a tight budget need to lean more towards the minimalist side or join a camp with a meal plan and kitchen facilities.
If you are bringing fresh food, it is essential to have a plan in place to keep it from spoiling. Believe me you do not want to get food poisoning on the playa. Remember that raw meat can contaminate everything in your cooler so be careful with packing it - vacumn sealing is a good option. Personally I just bring non perishable stuff as having to think about food is not my style.
Leftover Food
This is more of an issue if traveling by plane or train. There are several options here:
- Whatever you don't eat can be donated on the way out to the DPW who will remain on the playa until every last trace has been removed. They have collection stations along the exit road and will accept unopened food packages as well as beer and booze.
- Food banks are another option and I am fairly sure there are several between BRC and Reno.
- If driving you could simply take it home.
- Gift it to camp mates who are driving if they want it.


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Loreal Color Riche Lipstick Close At Night 488
Pack 3
Barcode - 3600523643028
All that glitters is gold This Christmas with 3 shades of colour Riche in our iconic satin finish encased in festive gold packaging. The formula is infused with pure pigments to guarantee intense colour pay off and enriched with camila oil to leave your lips feeling moisturised.


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North America is the only place in the world where maple syrup is produced. There are 12 states in the United States that are producing syrup. Vermont is ranked #1, followed by New York, Maine, Wisconsin, New Hampshire, Michigan, Ohio, Pennsylvania, Massachusetts, and Connecticut.
We know that Native Americans were the first to discover maple syrup. It is believed that it was discovered when the sap dripped from the cut maple branches. We have also heard theories that an ax was put in a tree and a bucket was placed underneath by accident, when the sap went into the bucket, they had mistaken it for water and began cooking with it. As it cooked they realized it was getting sweeter and sweeter and Voila! Maple syrup was discovered!
During the Great Depression, when cane sugar was not widely available, maple sugar was the preferred replacement. Many families took advantage of what nature had to offer by tapping trees and gathering sap from the maples that were available to them. Most families boiled the sap in a kettle over a big fire. They did this by continually adding sap to the kettle until they had syrup. A lot of hobby producers still make their own syrup by using this method.
Maple trees are tapped in the early spring when the temperature is below freezing at night and above freezing during the day. Sunny days are the best for getting the sap to run. The sap is then gathered, and the process begins to turn it into syrup. It takes 35 - 45 gallons of sap to make one gallon of syrup, however, this is only an estimate depending on the types of maple trees and the sugar percentage in the sap. It can even take as many as 60 - 80 gallons of sap for one gallon. The season will continue until the weather changes and the trees begin to bud. Once the trees bud the sap is no longer good for syrup, even if the weather is still freezing nights and warm days. Any type of maple tree can be used to make syrup. The grades of syrup can be determined by the season, the early season usually produces light syrup, and the darker syrup comes as the season gets later; equipment failure can result in darker syrup as well.
All grades of maple syrup contain many health benefits. It contains beneficial nutrients including minerals such as potassium, magnesium, iron, calcium, phosphorous, vitamins B2, B5, and B6 - none of which are found in cane sugar. Pure maple is also considered good for the digestive and circulatory system. Maple syrup is 100% all natural, vegan & gluten free, and fits some diet profiles where sugar does not. Even though our maple syrup is not certified organic, there are no chemicals used at any point in the process of making our syrup. The difference between certified organic and non-organic maple syrup is paperwork. We do not spray our trees or use chemicals ever. Check out the links below to learn more about Pure Ohio Maple Syrup.
Selecting Storing and Serving Ohio Maple Syrup


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Primal Scream
Primal Scream
Scots rockers Primal Scream in heartwarming gesture to security guard who suffered horror injury breaking up gig fight
George Rogers was sent a signed card, flowers and whisky from Bobby Gillespie and co after breaking his fibula at the Ironworks show.
Primal Scream
Primal Scream forced to halt Inverness show after steward breaks ankle 'breaking up fight'
The Glasgow rockers paused their gig after the staff member's horror injury at the Ironworks venue.
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Primal Scream
Primal Scream star Bobby Gillespie was advised to give up on his dreams of rock stardom
THE rock legend was told to give up on his music career because he "couldn't sing".
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THE Primal Scream frontman is shown strapped to a stretcher and unable to move as he is flown back to the UK by air ambulance following the fall during a gig in Switzerland.
Primal Scream
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Bobby Gillespie cracked a vertebrae and split his head open after falling seven-foot from a speaker stack in Switzerland.
Primal Scream
Bobby Gillespie taken to hospital mid concert after plunging seven foot off stage at Swiss festival
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Primal Scream rock Sauchiehall Street in latest homecoming gig
JOHN Dingwall was among a sold-out crowd at the O2 ABC, Glasgow, for the Scots rockers' latest homecoming gig.
Primal Scream
I've let my soul scream out loud
BOBBY GILLESPIE admits he has bared his soul on the new Primal Scream album.
Primal Scream
Primal Scream frontman Bobby Gillespie opens up on the songs that mean most to him on new compilation album
GILLESPIE was asked to select some of his personal favourite tracks for a new Ace Records compilation, Sunday Mornin' Comin' Down.
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Remembering the 1990's: pioneering Scots reflect on a decade that saw our creativity blossom on the world stage
THIS Is England 90 hits our screens tomorrow with Shane Meadows' new drama set against a backdrop of rave culture and the 1990 FIFA World Cup. The following decade launched a thousand baggy T-shirts and did more than simply twist our melons.
Rod Stewart
In pictures: 10 Scottish acts who deserve a place in the Rock & Roll Hall of Fame.. and two who are already there
WITH the Rock & Roll Hall of Fame about to be extended to include Nirvana, Kiss and a host of other famous names we look at Scottish acts who deserve a place among the great and good of the rock world.
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Scottish rockers Primal Scream set to cash in after BT Sport snap up song for TV football theme
Iconic rockers' hit Come Together will feature on EPL and live event sports programmes.
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In Pictures: Stone Roses support acts and fan pictures
THOUSANDS of dedicated Stone Roses fans have turned out on Glasgow Green today to see the legendary Manchester band play the same venue they performed at 22 years ago.
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Primal Scream frontman Bobby Gillespie on targeting political parties in powerful new album
GILLESPIE admits the whole of the UK is 'tranquilised' at the moment and revealed his anger at the number of celebrities and musicians unwilling to speak up against the Government.
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Primal Scream to team up with Led Zeppelin icon Robert Plant after post office meeting
THE rock hero became pals with Scots Andrew Innes and Bobby Gillespie after a chance meeting.
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Scottish Indie stars Primal Scream to headline Wickerman
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Primal Scream announce three new dates in Scotland as warm-up for big summer gigs
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Mani says farewell as Primal Scream sign off 2011 with Edinburgh Hogmanay gig
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Primal Scream star Bobby Gillespie on enduring friendship with Alan McGee
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Primal Scream to headline Edinburgh's Hogmanay celebrations
The Scots rockers will perform their entire seminal Screamadelica album live at the Concert in the Gardens on December 31. And after the Bells, there will be a greatest hits set featuring songs such as Rocks.
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Please note, our opening hours vary throughout the year to allow for the darker nights and changing weather.
Opening Hours – 2019
Spring Opening Hours: We will be opening our doors for the 2019 season from the 16th February. We will be open every Tuesday to Sunday from 10am until 5pm, including Bank Holidays.
Winter Opening Hours: Please note we close for the Winter from the 28th October 2019 until the 15th February 2020, with the exception of Farmer Christmas visits.
Farmer Christmas Visits: Farmer Christmas will be visiting the Farm on the following dates in 2019: 30th November, 1st, 7th, 8th, 14th, 15th, 20th, 21st & 23rd December from 10am until 4pm each day.
Entry Prices
- Adults: £7.50
- Concessions: £6.50
- Children (4-16): £3.50
- Under 4's are FREE
- Family (2 adults and 2 children): £19
- Family (2 adults and 3 children): £22
Entry prices include a free bag of animal feed for children.
Season Tickets
- Adults: £35
- Concessions: £30
- Children: £15
- Family Season Ticket (2 adults & 2 children): £90
Season ticket holders are welcome to come to the farm as many times as they like throughout the year. If you would like to purchase a season ticket and jump the queue you can call us on 01473 830264 or send us a message.


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Just when you thought the 2015 Election campaign couldn't have any more cringeworthy moments along comes another viral video, only this time it's not from any of the party leaders, but by Sky News.
While obviously it's a very important time for the nation (did we mention the countdown has already started?) the Sky News Ballot Ballad, based on the All 4 One classic I Swear, is everything we'd been hoping for and more.


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X-rays are taken as clinically indicated upon examination. Dr. Townley utilizes the Institute of Diagnostic Imaging in Fargo to take her x-rays. This relationship insures certified radiology technicians take all patient films, and all x-rays are read by both a radiologist and Dr. Townley.
X-rays allow the doctor an "inside" look at what is going on with the bone structure and bone heatlh. From this x-ray, the doctor can tell your current spine angles as well as any potential further issues requiring such studies as an MRI.


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Don't Buy an iPad, Continued
Okay, it seems like a lot of people didn't heed my advice, and bought an iPad. If you're having buyer's remorse, let me know. I'd be happy to do you a favor and take it off your hands. I'd be willing to go as high as $50. I know, I'm a saint.
As for the rest of you, well done. But don't let your guard down. It's almost the Winter shopping season and Apple's up to its old tricks of releasing big software updates for free and making their products easier to buy. Seriously, I heard the iPad is in Best Buy and Target and even Verizon stores soon.
Do not be fooled! I mean, yes, it has the fastest adoption rate of any consumer electronics device in history. But I hear there are smaller tablets coming out soon. Because the fundamental flaw with the iPad is its big beautiful screen. And the competitors aren't burdened with iOS. Huuuge advantage there.
You're in the home stretch. Just don't give in. If you can just— whoop, email notification, brb —where was I? Right, hold out. That "way better thing" is just around the corner.
Posted from my iPad.


text: New Coolers for 2018 Jessyca Sortillon - January 15, 2018 The newly-redesigned Quest 25-Quart Backpack by Canyon Coolers at the 2018 SHOT Show. (Jessyca Sortillon photo) Outdoorsmen are always looking for the latest and greatest gear and this includes top-notch coolers Check out some of the new coolers to hit the market that are perfect for hunters and outdoor enthusiasts.Quest 25-Quart Backpack Soft CoolerQuest 25-Quart Backpack (Photo courtesy of Canyon Coolers)Easily transport cold drinks to and from the hunting stand with the newly redesigned Quest 25-Quart Backpack from Canyon Coolers. Simply load the cooler, secure the roll-top seal, strap it on your back and trek into adventure! This new soft-sided cooler is made to go just about anywhere outdoorsmen do.Key Features: 20" tall x 12" wide x 10" deep 25-quart capacity Built with raft-grade 800 denier RF welded PVC shell to resist tears and scratches Closed-cell AirCore insulation lined inside with IceSkin (three times the insulation found in most soft coolers) Ergonomic shoulder straps and back support are padded thick Tie-down and lashing points on outside of cooler Water-resistant zippered pouch Drawstring mesh pocket Available colors: Sage, Arctic White Lifetime warrantyMSRP: $139.99 | Contact: Canyon Coolers HD-30 Soft-Sided Cooler BagThe new HD-30 Soft-Sided Cooler Bag by ENGEL at the 2018 SHOT Show. (Jessyca Sortillon photo)If you're looking for a portable soft-sided cooler bag to safely transport your meat and other perishables home, look no further than the new HD-30 Soft-Sided Cooler Bag by ENGEL. Measuring 20 inches long, 10 inches wide and 16 inches tall, it fits most airline size requirements for carry-on luggage and can be easily carried by its tote handles, side handles, or single adjustable padded strap. Key Features: 20" long x 10" wide x 16" tall 32-quart capacity Weighs 5.25 pounds empty 100% waterproof Made of sturdy 840 denier fibers, providing maximum strength and abrasion resistance Welded seams and zipper keep warm air out and ensure no water leaks Closed-cell foam inside cooler prevents air from passing through Patent-pending vacuum valve technology (Use the "Vacuum Valve" on the side to remove excess air from around the insulation.) Front and back sides are covered with Thermal Plastic Urethane (TPU) film for durability and puncture resistance Integrated bottle opener Water-resistant front pocket Available colors: Blue, Green, Orange. Seafoam coming soon.MSRP: $199.99 | Contact: ENGEL Coolers150-Quart Navigator – Available Late Spring 2018The new 150-Quart Navigator by Canyon Coolers at the 2018 SHOT Show. (Jessyca Sortillon photo)Need a sturdy, extra-large and ridiculously cold cooler for that extended hunting or camping trip you have planned? Get the new 150-quart Navigator by Canyon Coolers. This rotomolded cooler is built strong to withstand the harsh elements of the outdoors and is large enough to store all your provisions. Certified by the IGBC as bear-resistant, you can rest assured that your food and drinks will be protected inside the cooler from wildlife.Key Features: 150-quart capacity 5" long x 23" wide x 19.7" deep Innovative basket system inside (Use the baskets to store perishables out of the ice and to maximize cooler space, so you can store more of what you need. No more digging through ice for a soggy sandwich.) Rotomolded design and thick walls (thicker than comparable coolers) Cam over pull ring latch design Jungle Cord lashing system on lid with 10 lash-down points 2 large 1.75-inch-thick drain plugs Seat pads Bottle opener Truck-bed friendly skid plates Certified by the IGBC as bear-resistantMSRP: n/a | Canyon CoolersTrooper LT 30 and 20 Soft CoolersTrooper soft coolers (Photo courtesy of OtterBox)Need a rugged, soft cooler to take along on your next adventure? If you do, you'll want to check out OtterBox's new Trooper line. The new line features two designs – the Trooper LT 30 and Trooper 20. Both styles will keep your food and drinks cold for up to three days, which is perfect for those multi-day treks.Key Features: Comfortable extra-wide straps Premium-grade thermal insulation 65 IP rating to protect against rushing rapids Strong base to protect against abrasion Water-resistant sealed pockets on the outside for extra storage Included bottle opener attaches perfectly to each coolers' mounting system Additional accessory available: If you use an OtterBox Drybox to protect your smartphone, keys, etc., you'll want to get the Drybox Clip. It conveniently snaps onto the mounting system of the cooler. Available colors: Hazy Harbor (white/blue), Alpine Ascent (tan/green) and Forest Edge (Realtree Xtra camo) Limited lifetime warrantyTrooper LT 30 in Realtree Xtra camo (Photo courtesy of OtterBox)The Trooper LT 30 has a 30-quart capacity and can be carried two ways – on the shoulder or as a backpack. It's extra-large opening makes it a breeze to load items and access them once inside. It's a bit tricky to open the LT 30 at first, but once you figure it out, it's easy. With the front of the cooler facing away from you, simply lift the back of the latch up while pushing forward, then pull up to release.Check out this gear review of the Trooper LT 30 on GameandFishMag.com.Trooper 20 in Alpine Ascent (Photo courtesy of OtterBox)The Trooper 20 is a bit smaller with a 20-quart capacity. It features a padded, two-inch wide carrying strap and a flip-top lid. The lid stays open when needed, which is great because it's a lot easier to load a cooler when you have two hands.MSRP: $249.99-$299.99 | Contact: OtterBoxMossy Oak Tracker BackpackMossy Oak Tracker Backpack Hunting Cooler (Photo courtesy of Polar Bear Coolers)Whether you're planning a single or multi-day hunting trip, you'll want to add the Tracker by Polar Bear Coolers to your gear list. Designed with hunters in mind, the Tracker is built tough and features an attractive Mossy Oak camouflage exterior.Key Features: 18" long x 12" wide x 7" deep Portable and lightweight cooler intended to be worn as a backpack Wide, adjustable padded straps Thick closed-cell foam base and body insulate from top to bottom 100% waterproof, inside and out Outer shell is made from 1000 denier coated nylon FDA-approved inside liner is puncture resistance and pulls out for easy cleaning Rubber-coated zippered opening keeps water out and opens wide for easy access 2 aluminum buckles can be used to tighten the opening down for those times you pack light, optimizing space in the cooler and improving ice retention Buckles can be utilized as bottle openers Multiple outside pockets: 2 on the front (one mesh and one zippered), large pockets on the back and sides of the cooler, and a small pocket on the left shoulder strap Carabiner attachments on frontMSRP: $129.95 | Contact: Polar Bear CoolersEverest Rotomolded Cooler Everest Rotomolded Cooler in Deep Blue and White (Photo courtesy of AO Coolers)Another great new cooler for 2018 is the Everest by AO Coolers. This robust 80-quart hard-sided cooler is built to endure the mighty outdoors. It's rotomolded polyethylene construction provides resistance to sudden impacts and ensures the cooler will last for a long time.Key Features: 33" long x 18" wide x 19" deep 80-quart capacity Weighs 35 pounds empty Rotomolded polyethylene construction Thick, 3-inch walls provide excellent ice retention and resistance to outside temperatures Foam-padded handles on each side for easy transport Screw-in gasketed 1-inch diameter drain plug Included divider to keep items inside organized and separated Colors available: White, Deep BlueMSRP: $359.95| Contact: AO CoolersHopper BackFlip 24 CoolerHopper BackFlip 24 Cooler (Photo courtesy of YETI)The new Hopper BackFlip 24 is part backpack, part cooler. It's the first cooler engineered by YETI to be carried as a backpack and with its convenient-to-carry design, you can comfortably haul a day's worth of cold drinks to and from your outdoor destination.Key Features: 19 1/8" tall x 13 3/4" wide x 8 1/2" deep DryHide Shell is resistant to mildew, punctures and harsh UV rays. 100% leakproof zipper Closed-cell rubber foam insulation for superior cold-holding Ergonomic shoulder straps for comfort Removable chest strap and waist belt for added stability and security Available color: YETI's Fog Gray/Tahoe BlueMSRP: $299.99 | Contact: YETIElite 48-Can Soft CoolerElite 48-Can Soft Cooler (Photo courtesy of Pelican Coolers)Pelican introduced a new larger size to their Elite Soft Cooler collection, the Elite 48-Can Soft Cooler. Ideal for adventure seekers, this new high-quality soft cooler is spacious and a great alternative to heavier hard-sided coolers.Key Features: 20" long x 13" wide x 16" deep Detachable, padded shoulder straps Weighs only 8 pounds empty High-density closed-cell foam insulation for extreme ice retention 100% watertight and leak-proof with a sweat-proof exterior Puncture-proof exterior made with 840-denier double-coated thermos-plastic urethane Dual-lock buckle system (press and pull) is easy to use and holds tight under pressure Stainless-steel tie-down anchors with built-in bottle openers Front pocket for extra storage Available color: Black/gray 3-year warrantyMSRP: $329.99 | Contact: Pelican CoolersKENAI 45 Rotomolded Cooler – New for Spring 2018KENAI 45 in Seafoam by Grizzly Coolers (Jessyca Sortillon photo)In search of a quality rotomolded cooler that won't break the bank? Consider the KENAI, a new factory-direct line of coolers designed by Grizzly Coolers. The KENAI 45 has the same rotationally-molded construction and insulation as other Grizzly coolers, but is more affordable than many competitors because there is no middleman. These coolers are sold directly from the factory.Read my gear review of the KENAI 45 on GameandFishMag.com.Key Features: 15 3/4" tall x 28 1/4" wide x 16 1/4" deep 45-quart capacity Rotationally molded construction Up to two inches of environmentally-friendly pressure-injected insulation Molded-in hinge on lid with aluminum pin Leakproof silicone gasketed drain plug Heavy duty rubber lid latches Non-slip, non-marking rubber feet Two types of handles: Molded-in handle and rope handle with nylon sleeved rubber grip 2-inch tiedown slots on each side Silicone rubber gasket around the lid Available colors: Gray, Lime, Olive Green, Orange, Red, Sandstone, Seafoam, Tan, Teal, White Constructed in the USA Lifetime warrantyMSRP: $179.99 | Contact: Grizzly CoolersCordova 125 XL Cooler – New for Spring 2018Cordova 125 XL Cooler in Aqua (Photo courtesy of Cordova Cooler)If you need an extra-large cooler to take on your next big-game hunting expedition, the new Cordova 125 XL is it! With a 32-gallon capacity, it's the largest hard-sided cooler offered by Cordova Cooler and will easily hold everything you need to keep cold during your hunt.Key Features: 46" long x 19 5/8" wide x 19 3/4" deep 32-gallon capacity Rotationally molded construction Obstruction-free top-mount lid latches No-fall lid lock system keeps lid open when retrieving items from inside CNC-machined aluminum handles with integrated bottle-opener TriLock quad-core rubber gasket for maximum seal Gorilla-Grip anti-slip feet Raised lid lip keeps items from sliding off the lid Eco-friendly foam delivers highest insulation rating and cooling efficiency Available colors: Gray, Sand, White, Aqua Manufactured in the USA Lifetime warrantyMSRP: $399.99 | Contact: Cordova CoolerTundra Haul Wheeled Cooler – Available Summer 2018Tundra Haul Wheeled Cooler in Charcoal (Photo courtesy of YETI)Meet the Tundra Haul, Yeti's first rotomolded cooler on wheels! It offers the same superior insulation and strength as the company's other coolers, but its welded aluminum handle and puncture-resistant wheels make it much easier to transport.Key Features: 28 1/4" long x 18 5/8" wide x 19 1/2" deep Weighs 37 pounds empty Rotomolded construction Extra-thick walls with up to 2 inches of PermaFrost insulation Freezer-quality gasket around lid 2 heavy-duty rubber latches on lid Molded-in handles on sides of cooler Available colors: Charcoal, WhiteMSRP: $399.99 | Contact: YETIFrio 360 Soft-Sided Cooler With Bluetooth Speaker – New for Summer 2018Frio 360 18-Can Cooler in Rustic Tan and Texas at ICAST 2018 (Jeff Phillips photo)Listen to your favorite tunes and keep your drinks cold with the new Frio 360 18-Can Cooler. This soft-sided cooler is portable, lightweight and includes a detachable, water-resistant LED speaker.Key Features: 26" long x 9" wide x 13" tall Weighs 5 pounds empty Holds 18 cans with ice 5-ounce coated vinyl with smooth matte finish 600 denier polyester with pvc backing for sublimation Multi-ply foam and vinyl lining Cold seal foam ply technology keeps ice up to 2 days Leak-proof soft-side liner Adjustable shoulder strap and support handle Mesh pocket for extra storage Funnel drain system to remove water quickly Handmade in Texas, USA Colors/styles: Bright Pink, White, Rustic Tan, Texas, Cassette, SportMSRP: $124.99 | Contact: Frio


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Julie Tsai
After completing her Master's degree, Julie decided to continue her journey exploring the fields of fashion and tech. Apart from her interests in both topics, Julie is also an advocate of animal welfare and girls' education.
Blog "I Worked for an Influencer – Here Is What You Should Know" Read more
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Blog #FashionTalks | Fern Mallis: Industry Titan, Doyenne, and The Godmother of Fashion Read more
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Compact Entertainment Center
Call it what you like, TV table, media center, storage cabinet, or entertainment center.....this piece was designed to hold a flat screen and various audio and video components. It's contemporary style shows Asian influences in it's flared legs and Tansu style sliding doors. Features include adjustable shelving, provision for hidden component wiring, and generous ventilation ports to insure everything runs cool. Pictured in natural finished Beech and easily reproduced in other species, dimensioned to fit your needs.
Dimensions: 33w x 20d x 24h
Made in Eugene, OR
By Randy Weersing Furniture Designs
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Not all game experiences are easy to categorize. Though first-person shooters and battle arena games permeate the modern multiplayer landscape, there is a rising trend in games which break the mold. Picture DayZ or Minecraft, in which emergent gameplay is king, or the Twitch Plays Pokemon phenomenon which blends mass user data input to a physical game output. These types of experiences certainly tend to be more unorthodox, with a "think outside the box" approach to gameplay. They can mix genres and mechanics to great success, or even attempt to focus more on social communication than built-in gameplay. The purpose of this series is to inform you of some of these abstract game experiences, and hopefully convince you to give at least one of them a try!
I recently attended IndieCade 2016 at the University of Southern California, where I explored a wide variety of uniquely designed games. Some of these games utilized VR as an element, and some even incorporated real-life interactions in their game (including a bizarre board game where the all game components were edible). One of my personal favorites was I.C.U., a game project currently in development by Keenan Mosimann (better known as YouTuber Criken). His game was one of the first ones I played at IndieCade early Saturday morning, after he invited the TSG team to give it a go. Little did I know of the chaos that awaited us in the game.
I.C.U. is a horror game that integrates live Twitch streaming as a primary game mechanic. It's set inside a reality TV show being steered by a studio audience (a.k.a Twitch streamers in the real world). Players must navigate their way through a forest (the episode featured in this iteration of the project), trying to survive the show experience. People who are engaged with the stream online can alter gameplay by voting on different challenges that the player must face, as well as throwing additional modifiers into the mix. To prevent viewers from constantly spamming impossible challenges towards the player, a coin system is implemented that slowly doles out coins (which can be used to purchase game modifiers) to the viewers relative to their viewing time.
After seating myself at the I.C.U. setup, thinking I was prepared, I noticed the large audience of online viewers taunting me through an in-game terminal. Foolishly thinking that I could survive the episode with relative ease, I made a break for the woods and was instantly killed by an in-game monster. It happened so fast that one viewer didn't even have the chance to finish his typing his bet on my demise. I attempted to learn from my mistake and headed off in the opposite direction, trying to ignore the hilarious flood of Twitch emoticons being sent across my game screen. Online viewers repeatedly threw various modifiers in my way to trip me up, and fortunately (for them), they succeeded in the end. I left the tremendously intense experience feeling giddy as can be.
Mr. Mosimann's game is a strikingly unique take on Twitch integration in video games, as well as an exceptionally original game in it's own right. Though recently many game engines and game clients (such as Amazon Lumberyard and Battle.net) have integrated Twitch into their own software systems, few developers have attempted to use these features in ways outside of simple game streaming. I.C.U. seems to be utilizing these interfaces to great success, focusing on creating an oddly dynamic social experience with a heavy emphasis on cross-platform player involvement and interactions. I very much look forward to seeing what future iterations of this project will bring to the table for streaming-centric gameplay.
I.C.U. is still currently in development, with an expected release date of December 2017. At the time of this article's publishing, you can still contribute to the project's Kickstarter page.
For more games with Twitch Integration, be sure to check out:
- Clustertruck by Landfall Games: (Viewers can determine the events that occur in-game)
- Superfight! By Darin Ross: (Live streaming gameplay similar to Cards Against Humanity)
- New World by Amazon Game Studios: (An MMO sandbox style game currently being developed on the Amazon Lumberyard engine.)


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Home | Locations | Enrollment | Infant/Toddler | Pre-School | School Age | Summer Camp | Employment | Pikler Fund USA
A child starts exploring his/her environment from birth. It is an enormous task for the infant to adapt to his/her new life: breathing, eating, digesting, adjusting to light and dark, changes in temperatures, etc. Finding solutions to these problems is the task of the newborn, so offering the appropriate environment and caregiver is of most importance to DAY SCHOOLS. When the infant's and toddler's needs are met, they can get down to the business of learning and exploring. We offer infants and their families a holistic approach to caregiving by providing a safe and nurturing environment that promotes the physical, social, emotional, and cognitive development of the young child. The approach that we use was started in the 1930's, by a Hungarian Pediatrician, Dr. Emmi Pikler and is called "The Pikler Approach". You can learn more about it by going to www.pikler.org. Each new family in our program is given literature and a book about the work of Dr. Pikler and how it is used throughout the world in group settings as well as in the home. Simply put, it is based on "Respect".
Our caregivers realize that everything they do with an infant has consequences. They speak directly to the child, even if the child is an infant. Quiet, peaceful speaking to the infant about what is happening to him/her as they are fed, changed and cared for not only facilitates a calm understanding of what is happening to them, but also fosters the learning of language.
The environment is kept safe and clean. Everything in the room is comfortable, arranged with the young child in mind, and at the child's level. There are areas where he/she can choose to be by themselves or with the group. There are many sensory activities and places that allow the child just to "be".
Experiencing and exploring the outdoors is also critical for all children, even the young infant. You will see the infant and toddler outdoor areas are self-contained with a variety of opportunities and activities for exploration. We are always preparing them for their next stage of development, thus progressive challenges are available.
The curriculum for our infants and toddlers are the routines: diapering, feeding, bathing and clothing. These routines are done at a very slow and predictable pace that calms the child and helps with the attachment process. The child feels secure knowing what is happening in his or her life, and that security promotes independence and allows them more time for exploration and development.
The caregiver communicates with the child-asking permission to pick them up and giving information about what is happening to him/her during all the caregiving routines. You will not see swings or walkers. Each child is allowed to freely explore the environment to promote physical development. Each child is held when fed until they are old enough to sit on their own. Then they sit at low tables, in chairs where their feet stay securely on the floor which provides security for the young child. They eat family style and learn about handwashing and the clean-up process, thereby learning independence and responsibility at a young age.
Developmental growth charts are kept on each child. These charts serve as growth progress reports, where development and behavior patterns are established. These charts follow your child as they grow and develop each year and can be instrumental in viewing your child's individual development.


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Posts tagged brand awareness
How Will Your Marketing Be Affected by Climate Change?0
The weather has been crazy all across the U.S. and the rest of the globe. Western U.S. has seen a terrible drought resulting in wildfires. The Midwest has seen numerous deaths from way-above-average temperatures. The south has seen a lot of flooding. As climate change becomes more obvious, it alters how consumers think. What impact will global changes in the climate have on your future marketing endeavors?
Here are a few things you need to think about.
Seasonal Marketing Campaigns
We often market products seasonally. However, changing seasons are making that more difficult. For example, many locations that are popular winter vacation spots for enjoying winter sports are seeing less snow than ever before. This is shortening the ski season and making it necessary to alter the timeframe of campaigns.
Healthcare Marketing Is Also Affected
The weather is also having a tremendous effect on the areas where disease-carrying insects can live. Some diseases that were under control are now reaching an epidemic state again as the climate helps the disease to spread. As a result, marketing for certain medications, such as seasonal allergy medications and flu relief products, are seeing a shift in the timeframe when the products are most needed.
The Emergence of the Eco-Conscious Consumer
People care more about how products are sourced, the practices a company is involved in to protect the environment, and the role of recycling in a company's efforts. Therefore, it is important to be more transparent in marketing about what a brand is doing for the environment, even in small ways such as using some recycled material in product packaging or using new packaging that creates less waste. Eco-related scandals are now more likely than ever before to hurt a brand's reputation.
In fact, brand perception is the number one factor when it comes to adjusting marketing to climate change. If you want your brand to stand out as a champion of the planet, you need to take action and let consumers know what you are doing to preserve the Earth for future generations. You're not just marketing to tree huggers anymore. Today, the average consumer cares about the environment.
Social Media: How Businesses Build "Street Cred"0
Let's face it: Social media is not a great way to make direct sales for most businesses. However, there is something that a brand can gain on social media that they would struggle to find anywhere else. It is basically the Internet's version of "street cred." When you engage consumers on social media, it can dramatically affect brand perception and awareness.
A Counterintuitive Form of Marketing
Let's take the wedding industry as an example. Say you are a wedding planner. What do you post on your social media accounts? You may actually provide tips on how to save money when planning a wedding. Isn't that counterproductive? Why encourage your potential customers to try and save money?
Your prospective customers may determine that you are the right planner for them, based solely on the fact that you know these tips and tricks—and aren't afraid to share them. Your article may be the first contact they have with your business. Without the social post, they may never have even come into contact with your brand. And so the relationship begins.
Can Your Business Use Social Media in this Way?
That's a simple example, but you can apply this to any type of business. For example, a food cart may provide recipes on their social sites. Does that mean no one will ever come to their food cart again because now they can make similar dishes at home? Of course not. People grab lunch on the go more often because it is convenient than because they can't do it themselves. The recipe engages consumers, shows off expertise, and introduces the cart to those who may not have been aware of it before.
Now the world of social media suddenly starts to take on new life. Before, you may have wondered how social media fits into your marketing strategy. Now you can begin to see that social is less about selling—and more about giving consumers something to share with others. By focusing on shareability instead of profitability, your social media accounts will attract more attention, and also be a good influence for the consumer's perception of your brand.
Long Term Customers0
Long Term Customers: Creating Brand Awareness
Any experience that a customer is going to have with your brand begins with their learning of its existence. It's too early to be thinking in terms of dollar amounts when you first catch a consumer's eyes and ears. This is the time to set-up your business and to be the one that a consumer remembers when they need the product or service you provide. You have to have the long term goal of turning potential customers into loyal, long term customers.
Back in the glory days of marketing, all you needed was a catchy radio ad with a jingle, or maybe a brief TV spot, and the whole world knew about your company. Now, people are experiencing the world in so many different ways that it can be tough to guess how, when, and where you will make your first contact with a consumer. Will it be a TV ad, or perhaps a social networking post that gets re-tweeted by one of their friends?
Awareness is no longer the only secret to making a sale. Consumers are faced with an endless line of products and services that are available to them, and with a wide range of prices and qualities. How will you stand out from the rest of the crowd? Have you found a certain niche to cater to within your industry?
Today, creating awareness is about seeming ubiquitous. You expect to see a Starbucks® everywhere you turn. You don't even ask for a tissue, you say Kleenex®. These are the goals a company looks for when creating awareness. How can you do it?
Find a target audience. Make yourself the name brand for a certain age group, location, profession, or niche. Strong awareness, coupled with good feedback, will drive sales in your targeted group.
Be sure to track figures to ensure awareness is on the rise. The ability to create long term customers means knowing how many people search for your product, how often your company is mentioned in social media or the press, keeping track of unique and organic website visits, and knowing how you stand compared to the competition.


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Port of Bari
Covered Destinations > Port of Bari Bari Bari Palese Airport
|Koala Parking is in Bari, San Girolamo district, in a very good position both for customers who need to reach the Port of Bari or the Airport of Bari Palese.
Koala Parking is under surveillance 24H/24h. It offers the highest security for the parked vehicles.
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|Use the map to calculate the route to reach the parking.
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I have to say, as I was paging through the New York Fed's weekly transaction data, as I know many of you, my loyal readers, often do, my focus was a bit less laser-like than usual. Oddly enough, as riveting as the data was, my mind begin to wander. I found myself daydreaming about the "good old days" as an undergraduate at the University of Wisconsin.
Of course, these exchanges went on through the semester. Whenever I tried to collect from a sober Harvey during the week the conversations usually went something like this.
Me: "Hey do you have that $20 I gave you Saturday night?"
Harvey: "Sorry man...I've been swamped...classes are tough...my finance professor is a pain in the ass...I'll make it up to you....you have my word."
Me: "Come on Harvey....you've been giving me one excuse after another...."
Harvey: "Really man...it's not my fault....a couple of guys owe me money and they won't pay me back....as soon as they pay me I'll pay you...."
Finally, one night when Harvey was drunk at the Red Shed I cut him off....no more money for old Harvey. His outburst went something like this:
Harvey: "Who the F@c% do you think you are? I never borrowed any money from you.....you throw your money around, piss it away drinking and now you expect me to bail you out? F@c% you a-hole....you are nothing......you think you've got friends on this campus? Do ya?....Your name is shit on this campus....now get the F@c% out of here....loser..."
Harvey eventually graduated and got a job working at one of the big banks. I'm not sure whatever happened to him but I'd guess he's doing just fine. As far as I could tell, he had all of the personal qualities and demeanor that would make him a great banker/trader.....but I digress...where was I?....Oh, right.....Treasury/Repo fails.....let's continue.
So....What's a Repo?
Let me take one (1) quick paragraph to explain what goes on at the New York Federal Reserve Bank every day. A good sized chunk of the worlds collateral and cash passes through the books. Keep in mind, nothing actually moves. 747's full of cash, bonds and T-bills aren't flying all over the globe. The New York Fed keeps the score card. That said, a "Repo" is exactly what it sounds like. If I run a financial institution and I need cash, and you run another institution and you have cash, I can sell you Treasury Securities (Bonds/Bills) and you send me money. I also agree to "Repurchase" the Securities from you at a later date, sometimes tomorrow (Overnight Repo) or some other agreed upon date. In other words, I'm borrowing money from you using my T-Bills/Bonds as collateral. It's a short term loan. Of course, you'd be entitled to the interest on the securities (collateral) for the days they are on your books.
Commentary: There are only two (job related) things you can be fired for as a money manager.
1.) Losing money on your dumb-ass (hindsight is always 20/20) investments. 2.) Letting money sit idle. Un-invested cash is a hot potato.....gotta earn some interest!
In the last year, roughly US$25.9 Trillion of US Treasury transactions were handled by the New York Fed. Despite this market's enormity, only the creme de la creme of the world's global financiers are allowed to play in this sand box. There are 23 "Primary Dealers" who are the gate keepers of this vast marketplace. If you manage money and want to participate in the Repo Market these are the only businesses who will grant you access. Based on the financial pedigree of the folks involved, the quality of the collateral and the technology deployed, you'd think that these transactions would almost never fail to close. However, interestingly enough, they fail often....and sometimes in surprisingly large waves (like the recent trend). In the words of a crotchety old banker friend of mine, while commenting on a post-dot-com-bubble Repo failure....
"They can't pay??......These things should be good as gold!.... What the hell??."
So.....How Many Transactions Fail?
The New York Fed publishes weekly, summary transaction and failure data, which I've presented in graphic form below. The following represents "Delivery" transaction failures compared to completed US Treasury Transactions since 2006. Each 52 week period is shown as of the end of the September Quarter.
Well, to parse the phenomenon a little differently, let's dig a little deeper into the recent quarterly numbers.
When we examine the quarterly figures, the increase in failure activity jumps off the page. Moreover, the failure rate in September of 2017 (most recent month) came in at 34.8%. Bankers and Traders suddenly seem to be Ok with paying lots of "fail" charges. This, obviously, is worrisome.
Further, the highest weekly failure rates in the last 52 weeks occurred in September of 2017. (40.9% September 6th; 40.4% September 20th and 31.5% September 13th) Quarterly Window Dressing perhaps? Hard to tell....
So now we've established that Repo failures have increased significantly over the years, generally increasing in Q3 & Q4, but nowhere near the levels of the financial crisis. Again, it looks like the game has changed dramatically since 2010.
So Why Do These Transactions Fail?
Much has been written about the mechanics of failed transactions. I've posted a few links below if your interested, but suffice it to say that the transaction failures we're discussing in the above charts, generally, have only a few root causes.
- There's an error, the wrong securities/terms/dates etc. are recorded and the counter-parties disagree at settlement date. There's a process for reconciling these transactions, but nevertheless, the are reported as "fails". (Author's Note: Not a problem.)
- Computer/clearing/system problems. I don't believe that there's a business in America that hasn't blamed their IT department for transaction and/or back office issues at one point or another. The New York Fed is apparently no different. (Author's Note: Not a big problem. The NY Fed's IT Department is pretty good.)
- "Failing" on a transaction provides a greater benefit (or lower cost) than delivering/receiving the Securities as agreed. i.e.) The banker can get a better return somewhere else, so it makes sense to "fail". (Author's Note: Actually, this shouldn't be that big of a problem since the implementation of the "fails" charge.)
- Credit/Counter-Party Risk: One of the Counter-Parties can't fulfill their end of the deal. (Author's Note: Big problem. Because the Counter-Parties are actually willing to pay the fails charges, there's a good chance that this is the genesis of the recent wave of fails. I'll refer to this as a 'Harvey Fail' later on in this post.)
Let's look at the mechanics of "failing". Each of the twenty three (23) Primary Dealers listed above will handle transactions for their own account as well as for their customers.
- When a transaction fails, it's reported as a failure for every business day after the initial failure. i.e.) If a US$100 Million transaction fails, and is not settled (delivered/received) for five (5) days for any reason, it's reported as a $1 Billion failure. ($100 Million "Failure To Deliver" (FTD) and $100 Million "Failure To Receive" (FTR) x 5 days) Since FTD is nearly 100% correlated to FTR over time, our discussion today will focus on Failures to Deliver (FTD).
- Once a transaction "fails" it may cause a "daisy chain", where other transactions depend on the completion of the failed transaction. i.e.) Dealer A fails to deliver $100 Million in securities to Dealer B; Dealer B had already agreed to sell these securities to Dealer C; and Dealer C has agreed to sell the securities to Dealer D. Unless one of the Dealers purchases/borrows the Securities somewhere else, to complete their end of the transaction(s), the "fail to deliver" reported will be $300 Million (A+B+C) rather than just the $100 Million.
- A "Round Robin" would occur if, in the above example, Dealer D had agreed to Sell the Securities to Dealer A. In other words, the entire transaction could fail because Dealer A made a commitment to deliver the same securities it was expecting to receive from Dealer D, to Dealer B. Because of the opacity of the transaction, Dealer A would have no way of knowing that these were actually the same securities. I'll go into this in more detail in a diagram below. Is your head spinning yet?.....just wait....there's more.
- The lower the interest rate, the lower the "cost" of failing becomes. The inherent cost of failing is, of course, the time value of money. At near-ZIRP the "cost" of failing is comparatively low. We could spend some time talking about the perverse impact that negative-interest-rates (where the borrower is actually paid to borrow) have on Repos but I'll save that for another post. Author's Note: As previously mentioned, Post-Lehman, the TMPG (NY Fed - Treasury Market Practice Group) imposed "failure fees" or "fines" for failing to complete transactions, the equivalent of an annualized minimum interest rate of 3%. I'd argue that today's failure rates, because of the Counter-Party's apparent willingness to absorb these "costs of failing" are even more worrisome than the Lehman/Bear days when there was no additional imputed cost to fail.
- When transaction fail rates accelerate, it's not uncommon for Dealers to temporarily withdraw, or at least become a little more selective, while they reassess what's going on with their counter-parties, causing other counter-parties to follow suit, increasing the probability of "fails". There's a good chance this is happening now, we just don't know who's clamping down on who. If unabated, Credit Markets can "freeze up", as we saw first hand only a few short, disturbing years ago.
- Do you recall "Rehypothecation"? I first discussed this phenomenon in August of 2015 (Don't Worry....Be Happy...) Because of Rehypothecation, under certain conditions, it may actually be mathematically impossible to close out all of the transactions. In theory, we could run into a situation where, on any given day, there may not be enough collateral in existence.
- As we learned from Lehman, Bear, et al. Counter-parties really have no idea what's going on with the other side of the trade. (Authors Note: They think they do....but they don't.) Dealer A might think they are dealing with Dealer B, but in reality, their transaction may be dependent on a counter-party of Dealer D. The only documents these bankers have in their "files" is a collection of really nice letterhead evidencing stellar reputations and long time personal relationships, some financial statements and a rock-solid commitment to deliver a chunk of really good collateral (or cash) that may or may not be available from some other counter-party....but if, and only if, they can't make more money somewhere else. Most Dealers have no idea that some 26 year old, consequence impaired, Wharton wizard is churning & burning the other side of their trade to make some big, fat commissions/bonuses....even though their 26 year old traders are doing the exact same thing.
- Again, keep in mind that this post ONLY addresses Treasury Security Transactions. These Securities are the Cadillac (I think that's still a compliment) of collateral, traded by the best, smartest, most talented and heavily capitalized financial businesses in the world. I'll repeat what my crotchety old banker friend said......"these transactions should NEVER fail!" Yet, our financial system actually seems designed to facilitate and manage these fails. The system perpetuates the opacity of these Primary Dealers and their clients. i.e.) We have no idea who's really trading these enormous sums and what their real financial commitments are. The informal practice of "rolling over" these fails, for a fee/fine until they are actually cleared, at least to me, is also cause for concern since all of these transactions take place in a vacuum. If my favorite underwriting "rule of thumb" holds true, 5% of the culprits are causing 90% of the problems. It would be nice to know who these players are, before we have a Lehman-esque redux.
Let's say that Harvey is the president of the local Frat House. His Frat was, for various disturbing reasons, evicted from their last house. Harvey needed to find new digs. He quickly located a perfect house to rent from a wonderful, trusting, naive landlord. Harvey, with all the charm he could muster, offered to sign a ten year lease, and pay a little more rent than the landlord was asking, as long as he could occasionally put a mortgage on the property (even though he didn't own it). For some inexplicable reason, the wonderful, naive, trusting landlord agreed.
Harvey signed the lease and immediately went out and put a half dozen mortgages, each for full collateral value, on the property. Harvey was "Rehypothecating" or "reusing" the collateral, even though he didn't own it. Oddly enough, none of the mortgage lenders ever asked if Harvey had put any other mortgages on the house (collateral) or whether he even owned it. They just loaned him the money. The loan applications didn't ask about any other encumbrances and the mortgage terms didn't prohibit any other mortgages on the property. There were also no provisions in the loan documents as to what Harvey could (or couldn't) do with the money. So Harvey got cash he could invest equal to six (6) times the value of the new Frat house. Since interest rates were really low he could easily make the mortgage payments out of principal. Harvey figured, since he was a finance student, majoring in probability and game theory, he would fly to Vegas with is new found stake and put his education to work at the tables. Hopefully, everything would work out, Harvey would make a killing (he was brilliant), pay back all of the mortgages, pay the rent on time and throw the biggest, loudest Toga Party the University of Wisconsin had ever seen......or, if by some remote chance things didn't go all that well in Vegas, no matter what, Harvey absolutely knew that things would somehow work out. Harvey was an incredible optimist.
Of course the above sounds absolutely absurd and would be a textbook example of lender incompetence at best and perhaps mortgage fraud at worst. But, unfortunately, the sophisticated investor's version of the above happens every day at the New York Fed.
Let's expand my example above with Dealer(s) A, B, C, D & E as a "Round Robin" and throw in a couple of Rehypothecations as well, with Dealer H (Harvey), just to see what the impact might be on Treasury "Fails". For illustration, let's assume the following:
1.) Each transaction is for $100 million.
2.) Each Dealer agrees to sell Securities today and buy them back tomorrow.
3.) These are the only transactions the dealer is entering into that day. (i.e. no other cash or Securities are available)
4.) The red arrows represent the flow of cash and the black arrows represent the flow of securities.
Ok, I know the above looks like a convoluted mess, but I assure you, it's intentional. That's what I'm trying to illustrate. Can you imagine trying to diagram the $25 Trillion in annual transactions? When we examine the above we see that:
1.) None of the Dealers (A,B,C,D &E) actually have any skin in the game. They all have made commitments to deliver collateral to each other based on the commitment of the others. If all of the transactions complete (i.e.) a Dealer in the chain actually provides collateral/securities), the Fed would report five, $100 million transactions, yet there would be no change in the Securities Balance or the Cash Balance of any of the Dealers.
2.) If every dealer chooses to wait until they receive their securities from the prior Dealer in the chain before fulfilling their commitment, all transactions will fail. They will continue to fail until someone in the chain steps up to provide collateral. No completed transactions would be reported and $500 million in both FTD and FTR fails would be reported per day.
3.) Dealer Harvey, located overseas (e.g. Lehman's London Rehypothecation gambit), in a jurisdiction which has no limits on Rehypothecation, receives permission (for a fee) to Rehypothecate from his Client H. Dealer Harvey gets all five Dealers (A,B,C,D & E) to provide cash totaling $500 million by re-using Client H's $100 million (Frat house) as collateral. All five Dealers believe they've have fully secured/collateralized Repos when in reality, they have little/no title/right/standing re: the pledged collateral, adding potentially unlimited leverage to the system.
5.) In the above example, when Client H Repurchases his collateral, Dealer Harvey must either locate another client willing to allow him to Rehypothecate, or replace the collateral with $500 million in securities, rather than the $100 million as he had been using under the Rehypothecation.
6.) Again, all of these clandestine transactions take place in secrecy. None of the dealers involved are aware of the commitments or available securities at the other dealers, yet all of the transactions are related. The butterfly is flapping its wings at Dealer A and typhoons form at Dealer E. From the Dealer's perspective it looks like hundreds of millions dollars of collateral and cash are changing hands. The markets look liquid, yet there's little/no underlying collateral....just empty promises to deliver it. Again, there could come a time where there is simply not enough collateral available at any price to close the transactions. It will become tougher and tougher to keep all the balls in the air. Perhaps, and I'm just guessing here, that's why we're seeing the failure rates inch up over the last few years. Dealers have no choice but to juggle and pay the "fines".
Harvey Fails & The Dick Fuld Banker-Speak Translator (BST)
Given the above, I'd be remiss if I didn't take the time to deploy our patented BST to try to explain how Harvey Fails eventually get put to rest. Here's a hypothetical Repo Fail discussion between a Banker I'll call Lucky Dan and my favorite banker..... Harvey....
Lucky Dan: "Harvey, what's going on?... we've been waiting for you to close your position for two days. Can I get a timeline?"
Harvey: "Dan, I've been meaning to call you, market conditions are becoming quite difficult. Not to get into detail, but we're trying to work our way out of a couple of illiquid positions. We just need a little more time. Don't worry, it's just a short term imbalance."
Harvey (BST): "Don't worry man I'm good for it.....I wanna buy a round of Kamakaze's for those hotties over there....you can be my wing man."
Lucky Dan: "Can you give me a little more color on the transactions? Maybe I can help you work through it....."
Harvey: "Not to worry old friend. It's all good. Just do me a favor.....We should be able to close everything out by Thursday. I just need Morgan and Goldman to come through. It's all good...."
Harvey (BST): "Really man...it's not my fault....a couple of guys owe me money and they won't pay me back....as soon as they pay me I'll pay you...."
Lucky Dan: "Harvey, we've got to shut you down, you're well past terms, I'm sorry...it's out of my hands."
Harvey: "I fully understand, I'd do the same thing if I were in your position. We've got some solid alternatives.....don't worry, we'll get this resolved. Let's get lunch next week."
Harvey (BST): "Who the F@c% do you think you are? I never borrowed any money from you.....you throw your money around, piss it away drinking and now you expect me to bail you out? F@c% you a-hole....you are nothing......you think you've got friends in this town? Do ya?....You're name is shit ....now get the F@c% out of here....loser..."
Final Thoughts.....
Here's my thesis: We're deluding ourselves....what we really have is a financial system fraught with an epidemic of uncollateralized loans backed solely by the reputation of the borrower.....for whatever that's worth.....masquerading as loans secured by US Treasury Bills/Bonds. There's no transparency when money is moving at the speed of light. When multiple parties lay claim to the same collateral on a systemic basis what good is it? If multiple parties commit to deliver securities that don't exist, based on other commitments that can't be mathematically fulfilled, what do we really have?... Especially when we only find out that these claims exist after the fact, when things go South and the they have to be unwound. Even the greatest financial wizards lose their mystical powers if they're not sure what's lurking behind the curtain.
These increased fails charges are yet another "behind the curtain" canary in a coal mine. The Fed's Balance Sheet "Normalization" (aka buying bonds) will only exacerbate the condition. As the collateral pool shrinks, collateral will be more difficult (and expensive) to locate. Failure's and the inherent transaction cost will increase. Let's just hope that I'm dead wrong and we're dealing with temporary imbalances and matching problems (that's what Harvey would tell you) rather than systemic credit risk.
Not to worry though, per Janet Yellen in her August 25th, Jackson Hole speech, everything is fine and dandy. GDP is chugging along, Employment is steady, our asset prices (stocks, houses, etc.) are all up big since 2009! We are much safer than we were ten years ago. We've put substantial controls in place to prevent what happened in 1929, 1987, 1999 and 2009, from ever happening again. The Fed has done an awesome job!
To pose a rhetorical Question: Have you ever heard any banker say that "today my bank is less profitable and has gotten much riskier, less safe, less liquid and our underwriting guidelines have gone to hell-in-a-hand-basket on my watch"?? They (according to them) are the smartest guys in the room.....why inconvenience everyone with things like the Volker Rule, Dodd Frank and other cumbersome, unnecessary regulations......Laissez-faire for all!.......just sayin'.....
My final rhetorical question.....Why does it take you, me and "Joe Lunch-Box" two months, bales of documents, ten years of income verification and a cavity search to get a $300,000 mortgage (Which is subsequently securitized, sold to a hedge fund and used anonymously as Rehypothecated collateral ) when we have Quadrillions of dollars (FICC) flying around the globe in nano-seconds with absolutely no idea who's sending it, receiving it and why they're doing so? ....and why in the world, would these titans of finance be unable to close these "risk free" transactions?
As my crotchety old banker friend often said:
"This is bullshit..."
Author's Note: Dear Readers: I'll be traveling for a couple of weeks with occasional spotty Internet access (Rural India.....I love India....the whole crazy, wonderful place helps me think about things I wouldn't normally think about), so if you are trying to reach me, please allow a little more time for me to respond. Namaste'.
Additional Reading:
Atlanta FRB - re-Hypothecation discussion.
NY Fed - Fails Charges
Janet Yellen's Speech - August 25th, Jackson Hole - Everything is just fine....
TMPG - Fails Charges - 2010
TMPG - Fails Charge Docs
A favor
New York Fed - Primary Dealers
New York Fed - Primary Dealer Transaction Statistics
Financial Times - Repos
WSJ - Repos
ICMA Group
New York Fed - Bangladesh Cyber-Heist


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TISC is fortunate to be situated on a peninsula overlooking the city. As a member, you're free to come down to the club at any time for a sail*, a BBQ, to garden, or just some quiet time in the hammock as you enjoy the best views in the city.
The clubhouse is equipped with a kitchen area, separate change rooms for men and women, cubbies to stow your sailing gear, and an indoor sitting area. Washrooms with hot showers are provided and maintained by Toronto Island Marina, and are located just a few feet from the Clubhouse.
We're well stocked with picnic tables, charcoal and gas BBQs and kitchen supplies to feed the masses. In addition, there is also a covered eating area that we use in inclement weather.
*Please refer to the club's handbook regarding sailing privileges.


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- Exclusive
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Netflix Buys Spec 'Love Hard' By Danny Mackey & Ex-Lit Agent Rebecca Ewing; Wonderland Producing
EXCLUSIVE: Netflix has made a preemptive acquisition of Love Hard, a romantic comedy spec written by Danny Mackey and literary agent-turned screenwriter Rebecca Ewing. The film will be produced by Wonderland's McG and Mary Viola. The spec is described as When Harry Met Sally meets Roxanne, but specific are being kept…


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Wondering what the best drugstore makeup products are? Check out this amazing drugstore makeup roundup where 21 top beauty bloggers reveal their drugstore makeup must-haves from the best drugstore makeup brands around!
The Best Drugstore Makeup Products- 21 Beauty Blogger Must-Haves
It's no secret that I'm a total drugstore makeup junkie and I love being able to find an amazing drugstore makeup product at an affordable price. I'm super excited for today's post where I've teamed up with some amazing beauty bloggers and makeup lovers like myself to share their drugstore makeup must-haves!
With so many choices out there, we all know that it can sometimes be a challenge to decide which drugstore makeup item to buy. That's why I created today's drugstore makeup product roundup in partnership with top beauty bloggers, makeup artists, and beauty influencer experts, to share what they consider to be the best drugstore makeup products around.
From foundation, concealer, mascara, lipstick, and more- this best drugstore makeup roundup covers it all, and even better you can purchase all of it without breaking the bank! Lastly, to make it easy for you to pick up these drugstore makeup must-haves, I've included direct links to each drugstore product that you can affordably shop on Amazon or Ulta.
Related Posts You'll Love:
- The Ultimate Drugstore Makeup Kit for Beginners
- 10 Best Affordable Drugstore Highlighters
- 10 Best Drugstore Blushes Under $10
*This post contains affiliate links. Thank you for supporting Kindly Unspoken Blog!
21 Best Drugstore Makeup Products According to Top Beauty Bloggers
For today's post, I asked each beauty blogger to choose one drugstore makeup product that they can't live without in their makeup collection and to share why they'd recommend it to others.
Let's dive right into each of their drugstore makeup must-haves below, including a couple of my own!
Best Drugstore Makeup- Foundation
My favorite drugstore makeup product would have to be the L'Oreal Infallible Pro-Matte Foundation! I've tried a ton of foundation over the years (both drugstore and high end) and find myself always going back to the Pro-Matte. It has amazing coverage and doesn't look cakey at all. It also controls my oil better than any other foundation I've tried. I can put it on at 7 a.m. and by 7 p.m. it still looks awesome! – Tanya, Leopard Lace and Cheesecake
If I had to choose only one drugstore makeup product I can't live without it would be the Maybelline SuperStay Full Coverage Foundation. This is a new favorite, and it is SO good! It reminds me of the Laura Mercier flawless fusion foundation. It's full coverage, blends seamlessly, and doesn't feel heavy on the skin. It's a great foundation! – Elly, Uptown With Elly Brown
L'Oreal True Match Super Blendable Makeup is my favorite drugstore makeup foundation! It provides medium/buildable coverage with a beautifully natural/radiant finish and works on my skin whether I'm oily or more normal/dry. It also is very easy to blend and looks nearly undetectable. There's a reason this product has been on the market for so long – plus, with over 30 shades, you're bound to find a match at an affordable price! – Steffanie, Brighter Darling
Best Drugstore Makeup- Concealer
Maybelline FaceStudio Master Concealer – this concealer has been my holy grail concealer since I first started to use it. It's lightweight but you can differently get a very good coverage with it over foundation or alone. I even use it on my clients. – Jasmine, Jasmine Maria Blog
Maybelline Age Rewind Concealer I like it better than most of the prestige brands I've tried. It's the one that blends best with my skintone and looks the most natural. I also like that it doesn't get flaky and that the applicator tip blends really well. – Daisy, Sand Sun and Messy Buns
Best Drugstore Makeup- Blush/Bronzer/Highlighter
Physicians Formula Butter Bronzer! This tropical-scented goodness is a staple in my makeup collection. Not only do I use it to warm up my complexion, I use it for a quick eyeshadow look in the crease. – Meg, Meg O on the Go
For years now, Milani Baked Blush in Luminoso has been raved about on multiple Youtube channels and beauty blogs, but it wasn't until last year that I decided to pick it up for myself. Since adding it to my makeup bag, it's become one of my daily go-to products. It's a warm peachy-coral toned with a soft gold shimmer throughout it, and gives the perfect peachy flush to your cheeks while also adding a radiant glow. This blush has also been known as an excellent dupe for the NARS Orgasm blush so if you're a huge fan of that one, then be sure to try the Milani Baked Blush in Luminoso. I'm sure you'll love it, and you'll save some $$$! – Bree, The Urban Umbrella
Physicians Formula Plum Rose Butter Blush is the one cruelty-free drugstore makeup product that I can't live without! It's a beautiful shade for fair skin like mine. I use it to sculpt my cheeks as a contouring blush. It also works as a contour shade too. – Courtney, Phyrra.net
I love the Physicians Formula Butter Bronzer because it instantly gives me a healthy look – as if I just came from the beach. It looks so natural and it smells like Pina Colada. It's like a vacation in a little jar! – Sissi, Beauty4free2u.com
I'm "all about that glow" so naturally one of my absolute favorite drugstore makeup products is the Wet n' Wild MegaGlo Highlighting Powder. As mentioned in my 10 Best Affordable Drugstore Highlighters post, this highlighter has a light, velvety texture and glides right on the cheekbones to give you the most beautiful glow. Don't waste your money on expensive highlighter palettes when you can score this drugstore gem at less than 5 bucks! – Cara, Kindly Unspoken
Best Drugstore Makeup- Mascara
One of my all-time favorite drugstore makeup products is hands down the L'Oreal Lash Paradise Mascara! It's under $10 and is actually the perfect dupe to high-end products such as the Too Faced Better than Sex mascara – which is more than double the price! Don't waste your money on the high-end stuff, this mascara is phenomenal! – Jill, Kentucky Makeup Junkie
I think I've tried every mascara known to man, from luxury brands at $35 to drugstore options and I always come back to Maybelline Lash Sensational Mascara. The magic is in the wand–one side is a comb to eliminate clumping and the other side is curved to capture every little lash. For less than $10 I get long, fluffy lashes with no clumps every time! – Cindy, Prime Beauty Blog
I'd recommend L'Oreal Waterproof Voluminous Lash Paradise Mascara. I can't STAND waterproof mascara ever but this one is AMAZING. It does everything I need it to do – lift, curl, volume…. and it LASTS ALL DAY. Everyone that I've recommended it to has come back and said they love it! – Brooke, Blushing Noir
It's a hard choice, but I would have to go with L'Oreal's Telescopic Carbon Black Mascara. It's perfect if you're looking for a mascara that lengthens and really defines your lashes. I've tried so many mascaras and always end up back with this one! – Lily, Beauty with Lily
For me, this is a no-brainer. I can't live without my trusty cult classic L'Oreal Voluminous Lash Mascara. Not only is it a dupe for Armani Eyes to Kill Mascara the brush is insane and helps give you the most perfect fullest lashes ever! Added bonus- its a great mascara to layer with as well. – Jamie, Makeup Life and Love
Best Drugstore Makeup- Eyeshadow/Primers/Eyeliners
I would suggest the Maybelline Eye Studio Color Tattoos. They are creamy, easy to apply, and provide long lasting color. Plus, they are half the price of higher end options, and so pigmented! You have to really tighten the lids to prevent it from drying out, but at less than $7 they are easy to replace. – Julie, Collective Beauty
The one drugstore makeup product I can't live without is the e.l.f. Shadow Lock Eyelid Primer. It's $2, but it really works just as well as some prestige eyeshadow primers It helps shadow last all day without fading or falling into the creases. My theory is… why spend more when you don't have to? – Miranda, Slashed Beauty
NYX Matte Liquid Liner. I love to have a matte winged out liner every day, but using a gel pot can be time consuming and most pen liquid liners leave a glossy finish. But not the NYX Matte Liquid Liner! It's easy to use, so pigmented, and dries to a matte finish! Seriously can't sing it's praises loud enough — it is so good and I the minute I felt my tube getting low, I purchased a backup. – Katie, From My Vanity
Best Drugstore Makeup- Lipstick
I would choose NYX butter glosses!!! They are SO gorgeous, creamy and smell amazing. They make incredible lip toppers over liquid lipsticks or tube lipsticks, are great by themselves and come in a million colors. My favorites are Angel Food Cake and Creme Brûlée! – Taylor, Blonde and Ambitious Blog
As a lipstick lover, I had to share what I consider to be THE BEST drugstore lipstick out there – Maybelline Color Sensational Creamy Matte Lipsticks. I've been using these lipsticks for years and they're definitely my ride or die lipsticks. They come in the prettiest colors and the creamy matte finish is the perfect consistency when you want a gorgeous lipstick that lasts all day, but doesn't dry out the lips. I always get tons of compliments when wearing these lipsticks and there's so many fun shades! – Cara, Kindly Unspoken
Best Drugstore Makeup- Removers
Neutrogena Makeup Remover Cleansing Towelettes– As a business owner and mom on-the-go time is precious. It's still so important though to remove your makeup and properly clean your face every day. My savior is definitely Neutrogena's Makeup Remover Cleansing Towelettes. They enable me to quickly clean and hydrate my skin. I also travel a lot so it's wonderful to just be able to throw them in my carryon bag! – Tori, The Storibook.com
Shop All The Best Drugstore Makeup Products Below:
Want More Makeup Recommendations? Head Here For All My Beauty Posts!
So there you have it! Hope you enjoyed today's post on The Best Drugstore Makeup Products and found some new drugstore makeup to give a try. Be sure and show some love to all the lovely ladies who partnered with me on today's post and give their blog a visit.
Now it's your turn- let me know in the comment section below what's one drugstore makeup product you can't live without!
Thanks for stopping by!- Cara
Don't Forget to Pin This Post For Later


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People reveal their funniest Google search mistakes… from a bizarre 'Trumpaline' to an adorable 'Spongedog'
Sometimes all it takes is a tiny typo to end up in a weird and wonderful corner of the internet, as this bizarre collection demonstrates
WHAT'S the weirdest thing you've ever found on Google?
Sometimes all it takes is a tiny typo to end up in a weird and wonderful corner of the internet, as this bizarre collection demonstrates.
Donald Trump wasn't the only celebrity to be featured in an incredible photoshopped image, with Barack Obama also making the cut.
When a Twitter user Googled "Is Obama nice?" they ended up mis-typing it and searching for "Is Obama mice?" to which a shot of him with Mickey Mouse ears popped up on the search engine.
And another mistake of writing "Jabberscript" instead of "Javascript" threw up Jabba the Hutt from Star Wars, carrying a book entitled "Jabbascript for dummies".
Here are some of the wackiest things to pop up on Google if you accidentally misspell a word...
Barking up the wrong tree
Jabba the... what?
Udderly confused at this one
Mouse be kidding
A grande mistake has happened here
We have a prob-llama here
No bones about it
This is dark
Going round in circles with this one
Batty Google result
S-mash-ing error here
Take a seat, we have a winner
Bach-ing mad
Tanks for this!
Birds of a feather
Modern day fairytale
Feline something isn't quite right here
The perfect pair?
If you're a bird, I'm a bird
You won't want to take a bite out of this one
The Plastics have a new member
They aren't the only odd things to have popped up on a search engine.
Here are 18 of the most weird, wonderful and just plain made search suggestions that have ever appeared on Google.


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All candles are precision hand created in small batches from RSPO feather Palm.
As with each and every fragrance created it is thoroughly tested to insure a nice clean burning life. In addition, as with all the candles it is drip-free, curl-free and low maintenance meaning you simply need to only light and enjoy! As any good candle maker should tell you just put it on a candle plate!


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Easy product returns
Buy a product and check it in your own time, at home.Show details
You can return the product without providing a reason within 14 days.
You can return the product without providing a reason within 14 days.
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- 2010
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Vehicle Description
Triumph Bonneville 2010 presented in excellent condition and with lots of extras including screen, shocks, grab rail, chrome engine covers and exhausts. This bike has been really well looked after and maintained. Finance available at low rates and delivery from as little as £100
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George McKinlay
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Shepherd and Wedderburn LLP
tel: +44 (0)141 566 7230
Send an Email
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George deals primarily with property investment, development, regeneration and leasing work and has worked extensively with the public and private sector clients on many major projects.
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