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Temasek unit prices US$510m PE fund bonds amid strong demand
A unit of Temasek Holdings has priced and launched US$510 million in bonds that expose investors to a US$1.14 billion portfolio of 34 private equity (PE) funds invested in more than 590 portfolio companies.
This is the first offering of listed PE bonds in Singapore and possibly across Asia, said Azalea Asset Management Pte Ltd on Wednesday.
While Temasek's strong brand name and the environment of low interest rates likely contributed to the strong demand for the issue, analysts said the most important factor for investors ought to be the quality of the underlying collateral; they noted that PE exposure comes with relatively high risks and potentially poor disclosure.
The bonds, issued by Astrea III which is sponsored by a wholly-owned unit of Azalea, were subscribed by more than eight times. They came in four classes:
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- A-1 with an interest rate of 3.9 per cent;
- A-2 with 4.65 per cent;
- B with 6.5 per cent; and
- C, which pays 9.25 per cent per annum.
The Class A-1 and A-2 bonds have been rated "Asf" - essentially "A" grade for structured finance; the Class B bonds have been rated "BBBsf". Class C bonds are unrated.
These will be listed on the Singapore Exchange, except for the Class C bonds; an Azalea spokesman said the listing is expected to occur the week after July 8.
The listed bonds can be traded by accredited investors, which includes institutional investors and sophisticated investors.
About a third were allocated to private banks; 29 per cent went to fund managers, including hedge funds; 29 per cent went to corporates, endowments and others, and 10 per cent to insurers.
Azalea chief executive Margaret Lui said in the statement that Temasek's goal was to broaden its co-investor base and Azalea was "actively exploring" opportunities to eventually let retail investors subscribe to PE bonds.
It wants to offer PE bonds to retail investors because it is a good asset class, she said, while stressing that Astrea III's bond issuance was not a capital recycling exercise for Temasek.
Speaking at a briefing at Temasek's Dhoby Ghaut office on Wednesday, she said that offering PE bonds to retail investors would be "not unlike when we (Temasek) list companies and allow the public to subscribe".
"In this case, we're listing the notes ... Azalea still retains equity interest."
A retail offering of PE bonds could start off with the lowest-yielding bond class, she said. She noted, however, that the current regulatory environment was not ready for that and said she did not know what that timeline would be like.
"We will have a dialogue with regulators to see how this fits in" with the current listing framework for bonds, she added.
She said: "This portfolio of 34 funds - if I were to put it up in the market, there would be many buyers, because it's very good. I could recycle that more easily and very quickly. Likewise, I could leverage it through the banks, whether it's in the US or Europe, where they're very familiar with this asset class and give good credit for it."
She added that there was nothing comparable in the Asian market, but that Azalea had structured the bond classes in such a way that the residual return would "make sense" to equity investors.
She declined to reveal Azalea's internal thresholds.
Chue En Yaw, head of PE funds at Fullerton Fund Management which manages Astrea III, said: "Given that this is a very new asset class ... we hope to set some benchmarks."
Fullerton is a wholly owned and independently operated investment management subsidiary of Temasek.
Market watchers had earlier flagged the high risks of PE investment, saying that the returns from a PE bond may not justify the exposure.
But Mr Chue said the bonds' underlying portfolio was diversified; he noted that the biggest individual portfolio company out of the more than 590 accounted for just 2.2 per cent of the portfolio's US$1.14 billion net asset value (NAV).
The portfolio's biggest segment is consumer discretionary (23.4 per cent), followed by information technology (22 per cent), industrials (14.5 per cent) and healthcare (14.3 per cent).
He disclosed that Azalea had performed a stress test on the portfolio by simulating a three-year drought stemming from a financial crisis; it did so using data from 1990 to 2012, and determined that the Class A-1 and A-2 bonds would still be able to repay investors before their final maturities.
Analysts said that Temasek's branding likely lent some shine to the bond offering, particularly in the current environment of low interest rates. But they added that the most important factor for investors ought to be the quality of the underlying collateral and whether investors can properly understand the product.
Aberdeen Asset Management Asia credit research analyst Henry Loh said: "On a more general level, we believe the Astrea product provides an interesting opportunity for investors to get involved in the private equity space, with reasonable protections in place for investors in the higher tranches.
His colleague at Aberdeen and fellow credit research analyst Henry Loh said the pseudo-Temasek branding and success of previous issuance also brings some comfort in the quality of the product, as does the strong credit rating.
"That said, we did not participate in the deal. At Aberdeen, we believe in having a solid understanding of what we invest in. For an ABS (asset-backed security) structure, this means understanding the underlying assets in the pool, which can be difficult in the case of dealing with a fund of funds, where disclosure can be poor or challenging to obtain. Nonetheless, we see this as a unique development for the market."
He added: "Retail investors should be fully aware of the risks that they are investing in, should they choose to take part in a product like this. Investor education remains key to the development of the local bond market."
While acknowledging a lack of suitable benchmarks, some analysts said the coupons were lower than what they had expected.
Terence Lin, assistant director for bonds and portfolio management at iFAST Corp, said he had originally estimated that the A-1 bonds would be priced at 4 to 4.1 per cent and the A-2 bonds, at "a high 4 per cent to low 5 per cent".
"We also ventured a guess at a double-digit return for the Class Cs, which are structured most similarly to a typical PE investment and offer some equity upside.
"Our basis for this was that PE investors typically demand an IRR (internal rate of return) in excess of the 15 per cent required by the sponsor of the new Astrea III notes (before profit-sharing applies), and the notes would sit above equity in the overall structure. In our opinion, a return of around 10 per cent would be seen as fair for such a structure," he said.
"That being said, noteholders of the Class Cs could still see a double-digit return eventually ... if the profit-sharing mechanism kicks in, subject to several conditions being met."
He said the structuring of the bonds into four classes was a useful form of "financial innovation", but such structures have earned a bad reputation from the experience of the 2008-2009 subprime mortgage crisis. "Ultimately, the important thing to focus on is the quality of the underlying collateral."
Singapore's 10-year government bond yield is about 2 per cent.
Analysts also flagged extension risk and liquidity risk.
An OCBC Bank Credit Research team spokesman said: "As the cash flows generated by the underlying collateral pool is dependent on the pace of exit of investments by the PE funds, there remains the risk of the PE funds not exiting investments quick enough to pay down the Class A-1 tranche at expected maturity in 2019.
"In terms of credit risk though, given the 55 per cent of NAV retained as equity subordinated to the Class A-1 tranche, we believe that there is significant buffer for investors in the Class A-1 tranche."
CMC market analyst Margaret Yang added that while Temasek's branding was quite attractive, investors should also consider trading liquidity, given that the size of each of the four classes was relatively small.
Amendment note: An earlier version of this article incorrectly referred to the bond issuer as 'Azalea III' and said a stress test had found the A-1 and A-2 bonds would be able to repay according to their scheduled maturities. In fact, the issuer name is 'Astrea III' and the stress test found the A-1 and A-2 bonds would be able to repay before their final maturities of 10 years but not necessarily by their scheduled maturities. Temasek has also clarified that Astrea III is sponsored by a wholly owned unit of Azalea rather than by Azalea, and that Ms Lui actually meant to refer to the current listing framework for bonds in general rather than the new one recently announced. The article above has been revised to reflect these.
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Buying Vs Renting
Are you in the market and contemplating buying or renting? Owning a home is usually the American Dream. There's a tremendous amount of value in owning a home, especially with interests rates being so low. The biggest difference in owning vs renting is the incredible tax savings and benefits when owning that you don't receive when renting. Essentially, when renting you are paying your landlord's mortgage and building equity in their home. Take a look at some of the differences below:
In most cases, it is usually a better financial decision to buy instead of rent. However, you should consider renting when faced with the following:
- Your career or lifestyle leads to moving soon or frequently
- You are being faced with financial setbacks and/or your credit needs time for repairing
- The market in which you are renting is a very expensive market
- You do not want the responsibility of home maintenance/improvements
- Your cash is very profitable in other investments
Rent vs. Buy calculator: http://www.realtor.com/mortgage/tools/rent-or-buy-calculator/
For more information to find out if renting is better for you than buying, or vice versa, call Hubbard Park Real Estate at 732-747-0700 for a complimentary consultation.

subset: commoncrawl


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WASHINGTON (AP/The Blaze) -- Mitt Romney has added to his big lead in the race for convention delegates by winning the Maryland Republican presidential primary.
Romney won at least 28 delegates in Maryland, with nine left to be awarded.
Voters also went to the polls Tuesday in the District of Columbia, with 16 delegates at stake, and Wisconsin, where 42 delegates were up for grabs.
Romney leads the race for delegates with 600. He is on pace to reach the number of delegates needed to clinch the nomination - 1,144 - in early June.
Romney's closest rival, Rick Santorum, has 272 delegates. Santorum would need 76 percent of the remaining delegates to clinch the nomination before the party's national convention - a nearly impossible task because most states award delegates proportionally.


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The UN Sustainable Development Goals (SDGs)
Our sustainability work is based on the UN Agenda 2030 for sustainable development.
We believe that we can have the greatest impact on the following SDGs:
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Through Arjo's four focus areas in sustainability, we ensure sustainable consumption and production in accordance with the UN SDGs. In 2019, we established a sustainable approach throughout our value chain and increased the demands on product safety, with a consistent focus on individuals and society.
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Putting the health, safety and development of our employees front and center not only benefits our company, but society at large. Arjo emphasizes the importance of decent work conditions for all employees and maintaining a healthy work-life balance.
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We believe in the equal value and rights of all people, and thus prioritize equal opportunity, diversity and inclusion. Employees who develop and work together based on their individual experiences also create a healthier and safer corporate culture.
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All kidding aside.
They've done a good job trying to level the playing field. For now all of the contestants have been put into "tribes" based on the size of their F-List, so the people with the biggest lists don't crowd out the little guys.
I joke above, but read my post and read others.
And just because I have a large.....um...friend's list, doesn't guarantee me a ticket to the next round. And that's the way it should be in a writing contest, with a few twists.
Go read and vote. for me!


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MESH launch marks a milestone for Sony's new start-ups initiative
Last year we ran a feature on MESH (Make, Experience, SHare) – a smart DIY platform to make creation of "smart inventions" accessible for everyone.
Today, MESH project reaches a milestone – we're pleased to announce that the first edition of MESH is available for purchase in the United States through Amazon following the launch in Japan.
MESH is made up of two key elements: "MESH Canvas", an intuitive app that enables you to easily define tasks without complex coding and wireless "MESH Tags" with different functions.
MESH Tags talk to each other through MESH Canvas, with connections easily configured through the app – current functions include: Move (movement sensor), Button, LED and GPIO (general purpose input / output). It's really only the beginning, as the project will continue to evolve together with users and the developer community to expand both the range and capability of Tags over time.
Imagine having your plants watered automatically, an LED on your door that turns on every time rain is imminent… or even a little fun adding dramatic sound effects to board games, or finding a trash can that says "thank you!" every time you throw rubbish away.
We can't wait to see what people create.
MESH was on show at the Maker Faire Bay Area event in San Mateo in May, bringing the story full circle after the first unveiling this time last year. It's been quite a journey over the past twelve months – the project has been through a process of testing and trials, eventually crowdfunding MESH through Indiegogo, but more importantly, to communicate with the early adopter community as the project moved on from prototyping to commercialisation. The project team also showcased MESH at Eureka Park during CES 2015, and following that, MESH featured at Hacker Dojo (a forum for all things innovation in the heart of California), SXSW and more meet-ups.
MESH is part of our new business creation initiative, Sony's "Seed Acceleration Program" – an incubator designed to have startup-style agility and fleet of foot, to bring some of the more progressive, creative and niche ideas within our Sony community to developers and consumers quickly and easily.
As part of Sony Mobile's operations in the United States, we recently established a new sales office, "US sales office of Seed Acceleration Program LLC" in San Mateo to bring products and services from Sony's Seed Acceleration Program to market – MESH is the first offering from this new company.
Our President and CEO Hiroki Totoki spoke at Mobile World Congress that part of his vision for Sony Mobile, is not just looking at ways we can improve our core Xperia smartphone business, but also how we develop emergent technologies, co-creation opportunities to enhance "entrepreneurship" within a large corporation, as a launch pad for new startups.
At Sony Mobile, innovation is a constant and fundamental process. We have some of the best R&D teams in the world working on incredible new technologies that are sometimes years away from becoming products in the market.
But not all of our innovation happens as a direct result of this process. Innovation is a company-wide focus and all our employees are encouraged to contribute and think creatively as part of their day-to-day life at Sony – our Seed Acceleration Program will encourage us to act and think with the tenacity and bravery of a new venture, but most importantly, ensure you see and experience things you never thought possible before.
It's an exciting time, and we're only just getting started.
Want to know more? A full press kit is available here.


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Bringing classical ballet to the community
Help us raise $50,000 to replace our sets.
Get ready for the 2019 performance of the Alameda Civic Ballet's Nutcracker. Find out everything about the upcoming shows.
Thank you for supporting the 2018 performance of Alameda Civic Ballet's Nutcracker.
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The Alameda Civic Ballet, along with its affiliate school, Alameda Ballet Academy, was founded in 2003 by the Artistic Director, Abra Rudisill. The goal of the company is to create and present quality community accessible ballet performances, while providing young dancers the opportunity to gain valuable experience performing alongside professional dancers.
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Thanks for being that spark! We've enjoyed participating in the Nutcracker every year! It's a great production and fulfills much more than you can ever imagine. You provide a great opportunity for our children to learn the art of ballet and to take with them the lessons to apply to every day life. – Doug Wong, on the Nutcracker performance
I wanted to let ABA know that the dance show we saw last week was spectacular! My daughter and I loved every minute of the show! Thank you for bringing such a high quality show to Alameda. I would expect nothing less with Ms. Abra's involvement.
Susan Naclerio – on the United We Dance performance
It has been a joy to be a part of the whole experience…I have learned so much. And thank you, always, for all you do to help Talia grow and learn. She loves and embraces the challenges you offer her. – Eve Pearlman, on the Nutcracker performance
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Alameda Civic Ballet
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Representative Paul Ryan, R-Wisc., unveiled his long-term spending plan on Tuesday. The chairman of the House Budget Committee says his plan would cut $6 trillion over the next decade by bringing non-security discretionary spending to 2008 levels, reforming Medicare by offering government-subsidized private insurance options and reforming Medicade through state block grants.
Senator Jeff Sessions, R-Ala., the Ranking Member on the Senate Budget Committee, called Ryan's plan the most serious attempt ever made to solve America's spending and debt problems while saving critical programs such as Medicare. House Speaker John Boehner, R-Ohio, says he hopes every American concerned about the country's future will take a look at it.
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Boys Varsity Wrestling · Lower Richland vs. Heathwood Hall & C.A. Johnson
Boys Varsity Wrestling · Boys Varsity Wrestling beats AC Flora 48 – 34
Boys Varsity Wrestling · Boys Varsity Wrestling beats Dreher 54 – 30
Multiple Teams · Wrestling Lower State Tournament Set
Come out and support Lower Richland's Wrestling Team as they participate in the Class 4A Lower State Individual Qualifying Tournment Friday and Saturday, February 17-18 at Chapin High School. We are extremely proud to announce that we have one #1 seed and two others that are in the top four: Aazim Abdul-Hamid (132) – #1 Seed Jonathan
Multiple Teams · Wrestling Team Performs Well in Playoffs
Lower Richland Wrestling ended their season as a team falling to St. James High School Saturday, February 4. There were three winners: Two pins (Aazim Abdul-Hamid at 132 pounds and Da'monteze Solomon at 160 pounds) One forfeit (DeQuan Mitchell – heavy weight) The individual wrestlers will participate in the Lower State Individual Tournament at Chapin
Multiple Teams · Wrestling Competes in Region Tournament
Lower Richland Wrestling team made quite a showing at the Regional Wrestling Tournament held at Chapin High School on Saturday, January 28, 2017. The following wrestlers placed in their respective weight class. Second place winners: Jonathan Glenn (152 pounds) Aazim Abdul-Hamid (132 pounds). Third place winners: Chris Morgan (145 pounds) Da'monteze Solomon (160 pounds) Je'von
Multiple Teams · Wrestling Team Celebrates Parent Night
Lower Richland's wrestling team recognized parents and guardians of their athletes tonight. LR beat AC Flora 35-27 in the nights match-up. Pictured are Coach Evans, parent volunteer Cortina Evans, and the parents of Jonathan Glen, Kameron Mack, DeQuan Mitchell and Cyrus Dyer-Stewart.
Multiple Teams · Lower Richland High School Boys Varsity Wrestling beat AC Flora High School 35-27
Wednesday, January 25, 2017 6:00 PM AC Flora High School AWAY 27 Lower Richland High School HOME 35 Meet Recap Lower Richland wrestlers battled AC Flora in tonight's match-up. The team was sparked by Aazim Abdul-Hamid, junior, who remains undefeated in the region. His teammates follow suit with wins by Tearon Cherry, Jonathan Glenn, Kameron
Multiple Teams · Wrestling Under Way!
The Lower Richland wrestling team coached by Nate Evans will tip-off this week with two home matches at the Diamond Mine. Wednesday, December 14 they take on Eau Claire High School at 6:00 p.m. and Thursday, December 15 they will battle Richland Northeast in a match that was rescheduled. Come out and support the Diamond


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Pushing Daisies star Lee Pace, Law & Order's Linus Roache and Generation Kill's Stark Sands have joined HBO's new pilot The Miraculous Year, Entertainment Weekly reports.
The drama will focus on a New York family as seen through the eyes of a self-destructive Broadway composer. The trio joins Hope Davis, Frank Langella and Patti LuPone in the cast.
Kathryn Bigelow heads to HBO for Miraculous YearAcademy Award winner Kathryn Bigelow (The Hurt Locker) is attached to direct the pilot. She will also serve as executive producer, alongside two-time Oscar nominee John Logan (Gladiator, The Aviator), who wrote the pilot, and Lydia Pilcher.An e-mail to HBO was not immediately returned.


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Hello everybody, I created Run, Play, Think! around 7 months ago because I had pretty much nothing better to do and nobody would hire me cause I'm legit crazy. I've made many friends and some videos along the way and I'm really happy with that. I know sometimes I don't seem very happy, but you know what? I'm quite happy right now. That's good isn't it? Yes.
Run, Play, Think! has been coming out weekly except for two times where I couldn't make an episode, because one time my homeless friend came to stay (he has a home now) and the other time I was doing some test video pieces for a possible job. Well that possibility has turned into a proper job, so I'll have money now and be able to feed my kids. (I don't have any kids, but if I did one of them would be called Garry) but it does mean I'd be a crazy man to try and make a episode of Run, Play, Think! once a week. But that doesn't mean I won't make an episode when I can. I'll be honest, I don't know how often that will be but I'll damn well try. The good news is the job I'll be starting is something I love very much,
smashing bits of glass into smaller bits of glass making video content sort of about Video Games. I probably shouldn't announce where it is yet, but I start Monday you'll know where when it comes to Monday. Cult Taco.
I want to thank Lance and John for bringing me into the Retroware fold, for my money there's no better set of people producing new exciting video about old stuff than everybody at Retroware. Just to be clear I'm not leaving Retroware, cause I love Retroware like my false son Garry. I want to give them all a nice big platonic hug. Oh and you too whomever may be reading this and watching my videos, I want to thank you the most.
Oh and here's a new video
This isn't a goodbye, I'll see you lot later. PEACE


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looking for fresh new players to join new squad. Level doesn't matter but time does. If you're not going to put in any time please don't join.
The Star Wars Commander Forum -swcommander.com - This forum dedicated to sharing tips, walk throughs, finding squad, and general discussions around the Star Wars Commander Game.
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Happy Friday, everyone! Has this week felt terribly long to you? Maybe you just want to put your feet up this weekend, relax and enjoy some sun, and who could blame you if you do? But if you're looking for a project, something that sounds impressive yet requires minimal effort — the best kind of project for lazy summer weekends — here's a great one: homemade tomato paste. You may be wondering exactly why you should bother when little cans of the stuff are already so very, very cheap and so very, very convenient, but you'll just have to believe me when I tell you that homemade is so much better than canned that it's like a completely different animal. Or fruit. (You know what I mean. Don't make me turn this car around.) It has a bright, zingy, concentrated (duh) tomato flavor without any of that tinny aftertaste we've all grown accustomed to after years of eating the canned variety. It's a treat anytime you use it, but in midwinter when hot sun and bountiful produce couldn't be farther away, it's damn near a revelation.
But before you start, fortify yourself with a light salad because the kitchen will get hot while the paste is cooking and you won't want to spend much time in there. And while you're up to your elbows in tomatoes anyway, why not make them into your meal? I reworked the Roman Summer Salad with more of an emphasis on fresh tomatoes while they're as perfect as possible. I started with a base layer of assorted, sliced tomatoes from Bialas Farms and drizzled them with olive oil and red wine vinegar.
Then I mashed together some anchovies and garlic in a mortar and pestle to make a paste. I scattered the paste across the tomatoes along with chopped capers, black olives, basil, parsley and goat's milk ricotta, and devoured half the salad in one sitting.
But let's get moving; you're here for tomato paste! It's a time-consuming process, but really very easy. You cook the tomatoes briefly, use a food mill to get rid of skins and seeds, then leave a sheet pan filled with the tomato purée in the oven until the water has evaporated and you're left with a pan of brick-red loveliness. Just freeze the cooled paste in a thin layer in a Ziploc bag until you need a hit of summer.
I used bacon fat on the sheet pans instead of olive oil to give my tomato paste a smokey flavor, but it really isn't necessary, just indulgent.
I hope to get at least a couple more batches of paste put up for the winter. Rationing my one bag from last summer got me through April, but I'd like to put away enough this year to keep me going until next year's tomatoes are in market.
Get the recipe for homemade tomato paste at Saveur. And have a great weekend!


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Being targeted by Nir Eyal's ingenious argument,1 I am pleased to have the opportunity to respond. It is fairly obvious that my utilitarian argument accomplishes what it is supposed to accomplish, namely a defence of the idea that the notion of informed consent should take roughly the form it takes in Western medicine. But does it fly in the face of commonsense moral thinking? I will argue that it does not.
My argument is based on hedonistic utilitarianism.2 This means that it is an instance of the general pattern of argumentation that Eyal presents. It takes slightly different forms in its defence of the place of informed content in research and in the clinic. For reasons of space I will focus exclusively on the clinic.
The thrust of the argument is as follows. In many cases, we should allow people to refuse treatment for the simple reason that they presumably know best what is in their interest. As J S Mill used to argue, each person has a privileged position with respect to her own life, which, as it were, she experiences from the inside, and from which she cannot walk away. …
Competing interests None.
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Frankfurt Auto Show: Subaru Justy
Do you like this Story?
Fuji Heavy Industries Ltd. (FHI), the maker of Subaru automobiles, announced that it will unveil its new Subaru Justy at the 62nd Frankfurt International Motor Show (IAA) and it will go on sale in Europe immediately following the Frankfurt Motor Show.
The new Justy is positioned as an entry-level car in Subaru's lineup. While offering nimble maneuverability and cabin roominess, the new Justy boasts exceptional fuel economy and low emission levels, thanks to the compact 1.0-litre engine. Two versions will be available in the European market: the sporty 1.0S, and the practical city-driving 1.0E. Both versions are front-wheel drive with 5MT. The new Justy will be supplied by Daihatsu Motor Co., Ltd., under an original equipment manufacturing (OEM) agreement with FHI.
Major Features of the New Justy
Overall length 3,610mm, Overall width 1,665mm, Overall height 1,550mm
1.0-litre DOHC 12-valve inline 3-cylinder gasoline engine Max. output (DIN): 51 kW / 6,000 rpm Max. torque (DIN): 94 Nm / 3,600 rpm
Front-wheel drive with 5MT
155/80R13 Tires with full wheel caps (1.0E) 175/65R14 Tires with aluminum alloy wheels (1.0S)
SRS* front airbags and front side airbags (for driver and front passenger)
SRS* curtain airbags (front and rear, both sides) (1.0S)
Body colored electric door mirrors
Chrome accented gearshift knob (1.0S)
Manual seat lifter (driver's seat only) (1.0S)
ABS with EBD (Electronic brake force distribution)
SRS: Supplemental Restraint System. Effective when used in conjunction with seatbelts.


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16 Days Overland Tour To Tibet From YunNan
Attractions: Ehai Lake; Lijiang Old Town; Tiger Leaping Gorge; Sonzamlin Monastery; Meili Snow Mountain; Yanjing Salt Fielt; Basong
Lake; Potala Palace
Day 02: Kunming - Dali
Day 03: Dali - Lijiang
Day 04: Lijiang
Day 05: Lijiang - Shangri_La
Day 06: Shangri_La
Day 07: Shangri_La - DeQin
Day 08: DeQin - YanJIng - ZhuKa
Day 09: Zhuka - Zuogong - Basu
Day 10: Basu - Ranwu
Day 11: Ranwu - Bomi
Day 12: Bomi - Bayi - Basong Lake
Day 13: Basong Lake - Lhasa
Day 14: Lhasa
Day 15: Lhasa
Day 16: Lhasa departure
We'll begin your journey to the diverse and captivating province of Yunnan from the capital city, Kunming. Upon arrival at the Kunming International Airport, meet your local guide and transfer to the hotel.
You will take a leisurely stroll along the Green Lake, a charming area of teahouses and small boutiques selling handicrafts and beautiful local paintings. If time permits, you will have a Kunming city tour. Enjoy welcoming dinner of Yunnan Flavouring food with crossing Bridge Rice Noodle and Steam Pot Chicken/Qiguoji.
-- Kunming is the capital of southwest China's Yunnan province, a primarily agricultural province of 45 million. Kunming has a population of five million and is located in one of the world's most geographically, ethnically, biologically and linguistically diverse regions. Situated at 1,900 meters (6,233ft) above sea level and 25° north of the Equator it has a rather unique and pleasant climate for a Chinese city.
Day 2 Kunming - Dali
Day 3 Dali - Lijiang
Erhai Lake Cruise,Xizhou Ancient Town, Xizhou Morning Market,Zhoucheng Village and the Tie-dye Workshop, Lijiang Ancient Town
Three Pagodas of Chongsheng Monastery in Dali.
Day 4 LIjiang
Black Dragon Pool, Dongba Culture Museum, Yuhu Village and Rock's Exhibition,Lion Hill and Wangu Tower
Black Dragon Pool in Lijiang City
Day 5 LIjiang - Shangri_La
Set off from Lijiang, and drive about 60KM to the First Bend on the Yangtze River with imposing gorge scenery, and the Iron Chain Bridge in the Stone Drum town. The town of Stone Drum got its name from a large, cylindrical, marble tablet shaped like a drum. The scenery is magnificent as the road runs through the Lijiang valley, which is filled with wheat fields and dry haystacks.
Continue driving 40KM more to visit the Tiger Leaping Gorge, the deepest gorge in the world. With 34 rapids of the Yangtze River, it is called the Jinsha in this area because you can find gold in the river.
In the afternoon, head for Shangri La, the former Zhongdian. Upon arrival in Shangri La, you will enter the Tibetan cultural area and a landscape of barley fields and yaks scatter in the valleys.
Day 6 Shangri_La
In the morning, visit the Ganden Sumtseling Monastery, the largest Tibetan monastery in Yunnan. And afterwards you'll go and visit the tranquil Bita Lake & Shudu Lake. Having finished touring the Bita Lake & Shudu Lake, you would visit the Old Town of Shangri La and the Guishan Park.
At night, you can have dinner in Tibetan family and enjoy butter tea and other tasty Tibetan food.
Day 7 Shangri_La - Deqin
In the morning, drive 6 to 7 hours to Deqin County (3400m altitude), which is 187km away from Zhongdian through Baimang Snow Mountain Nature Reserve. You will be able to view Baimang Snow Mountain if the weather is clear, and pass the highest place (at an altitude of 4292m) of today's itinerary.
After traversing mountain ranges, you will make a short stop to have lunch at Benzilan town, and take some shots on the first bend of Jinsha(Yangtze) River, Dongzhulin monastery and Baima (white horse) Snow Mountain. The view along the way is fantastic with different kinds of trees, streams down the valley, prayer flags and Stupas, and Tibetan villages.
Day 8 Deqin - Yanjing - Zhuka
Try to get up early in the morning and drive 10km to Feilai Monastery to view the magic sunrise of Meili Snow Mountain. You will be lucky enough to see the golden snow-capped Kawagebo peak (6,740m, the Peak of Mt. Meili) if the weather is clear. Then you will travel along the north of Mekong River valley into Tibet. Once into Tibet, your first stop will be in the town of Yanjing, which was once the main source of salt for half of the Kham Tibetan area, which is ranged from northwestern Sichuan down into Yunnan. Visit the salt fields, followed by a stop at the hot springs, where each of us could pick your own natural hot bath for overlooking the Mekong
Day 9 Zhuka - Basu
Day 10 Basu - LaiGu - Ranwu
Drive along the deep valleys of the Nu River (the Salween River), which is a long and tough journey, but your destination, the Ranwu Lake, is another Shangri-la, and tourists may stay in the tent beside the Lake.
Day 11 Ranwu - Bomi Get up early and enjoy the beauty of Ranwu Lake by yourselves. After lunch, we will drive out of Ranwu Town. There are thick trees, stream water, swirled gledes, snow mountain, lakes and small villages along the road, which make the scene splendd. In the evening, drive back to Bomi.
Day 12 Bomi -Ningchi - Basong Lake
Head for the conjunction of Niyang River and Yarlung Tsangpu River and get to Pai Town of the Yarlung Tsangpu River. We have arranged specially the trekking to the best touring sites in Mt. Nanjiabawa Daduka. If the weather is clear, you will have a chance to view the Mt. Nanjiabawa.
From the Zhamu town of Bomi County, we will head for the last natural barrier Maitong through the aboriginal forest. On the way to Pailong, there is floodwater and soil collapse which break off the road, and the famous 102 coast is there. After Pailong, the road state turns good, and we will pass through the thick Milang, which is another good place for overlooking the Nanjiabawa. Up to Mt. Selaji, we get to Bayi town (2400m) which is far from 19km to visit the Cypress Forest in Bayi town.
Day 13 Basong Lake - Lhasa
From the Bayi town, tourists can enjoy the beautiful Niyang river along the way. After passing through the Gongbujiangda, we head forward to the holy lake of Darksumtso(3500m high,27 sq.km.). Then drive back to the main stem of Sichuan-Tibet road, and get to Lhatse. After getting west towards Lhastse, you can have a distant view of Potala Palace
Day 14 Lhasa
Potala Palace is the land mark of Lhasa and is recently considered one of the seven wonders of the world. In November 2000, the UNESCO put the Potala Palace architecture group into the world heritage list.
In the afternoon, visit Johkang temple, built during songtsen Gonpo's reign by wencheng of tang dynasty. The most interesting thing in Jokhang is the sacred goat head in the Jampa chapel which is believed to be 'self-arisen' i.e. not manmade. Then explore the famous Barkhor street, and enjoy the busiest street in whole Tibet
Day 15 Lhasa
Drepung monastery is situated at the foothill of a mountain and was founded by Jamyang Choeje in 1416. It was once the home to 10000 monks and Ganden podrang in Drepung is famous as it was the government centre and later moved to the famous Potala palace during fifth dalai lama. You can also visit the Nechung monastery, located 1km southeast of Drepung. It is the abode of the protector deity Pehar and the seat of the state Oracle of Tibet.
In the afternoon, explore the Sera monastery which was founded in 1419 by Tsongkapa's disciple Jamchen Choeje. The most dramatic scene is Monks debating held in the courtyard at around 6-7:30 in the afternoon.
Day 16 Lhasa departure to your next destination
A private car will take you to the airport for your flight to next destination.
If you prefer to stay longer in Tibet, you can extend your trip to other parts of Tibet like Shigtse, Tsedang, and Everest Base Camp etc.
1. Tibet PermitsThere are several permits required to visit Tibet. Tibet Entry Permit, issued by Tibet Tourism Bureau, is the most important one which has to be obtained before your trip because you must have it to take your flight/train to Tibet. To get the permit, you have to book a Tibet tour with us, and send us your passport and Chinese visa about 20 days in advance, and then let us apply for the permit (all Tibet permits can only be applied by travel agency). If you travel to other prefectures like Shigatse, Nyingchi, Shannan, etc, you also have to obtain an Alien Travel Permit. If you travel to Mount Everest, you have to obtain a Border Permit. (Tibet Discovery, with office in Lhasa, has always kept up with the latest news on Tibet Permits. Traveling with us, all your permits are guaranteed as long as you are qualified to the requirements.)
2. Available Months to Visit Tibet
Generally speaking, months from May to October are recommended. Other months are usually very cold, and possible have heavy snow, especially in regions like Mount Everest, Mount Kailash, Namtso Lake, etc.
3. High Altitude Sickness
The average altitude of Tibet is about 4000 meters above the sea level (Lhasa: 3700m; EBC: 5200m; Namtso: 4718m). You may suffer a bit from High Altitude Sickness in the beginning days of your Tibet trip if you haven't had rich high plateau travel experience. But don't worry too much, the high altitude can be acclimatized usually in 2~3 days. Our suggestion is to take a physical examination and get suggestions from your doctor, and also bring some medicines to prevent from High Altitude Sickness before your trip. While in Tibet, you should keep warm all the time, avoid strenuous activities, drink more water and eat more vegetables and carbohydrates. You'd better not take showers during the first two days after your arrival at Tibet. If you don't feel well, get help from your tour guide or go to the hospital without any delay.
4. How to Go to Tibet
In this tour, you will take a flight to Lhasa from Shangri-La. Currently, there is only one flight available and it takes about 2 hours to get to Lhasa Gongga Airport. Because of the short supply, so you'd better book it as early as possible. (Other popular gateway cities are Chengdu, Beijing, Chongqing, Xian, Kunming, Shanghai, Xining)
5. Packing and Wearing Ideas
Firstly you can't forget your passport and Chinese Visa. A large backpack and a smaller one are recommended (the smaller one can be used for daily activities). Also bring the necessary medicine you need. Other stuffs like sunglasses, snow glasses, hats, lip balm, sun block are recommended.
As for wearing, you are suggested to dress in layers (both thin and thick jackets). Down jacket is necessary in Spring and Autumn. A pair of durable and comfortable shoes is necessary.


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text: DT Structures have been creating tension fabric structures for exhibitons for over a decade. Our sales team works hard with our expert designers, project managers, production assistants and installers to ensure that all our exhibitry fully meets your requirements. We have worked in all the major exhibitions halls in the UK and many of the major venues in Europe. We also have extensive experience of working in Dubai, Las Vegas, Bangkok, Vancouver and other more remote corners of the world.


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Check out my interaction with the TBC team.
Bold and Beautiful Love stories
Check out my interaction with the TBC team.
As I work through my fifth book, I wonder if I am being unfair to my readers by making them wait for months. I am sure this is a challenge for all authors that do not write full time. I get messages asking me when my next book is releasing and I have been thinking about writing short spicy stories while I work on my books.
My hope is to be able to have a continuation for the short stories if my readers feel they need to know what happens after. I will let my readers decide which one of the short stories need to be a full fledged novel.
I never in a million years thought I would be a writer. I still remember the
moment I decided to write a story. It was a beautiful July morning and I was on my
way to work driving on a scenic California highway. I have a good hour drive to work
and I spent the time that day thinking about what it would take for someone to find a
long lost friend especially in this day and age of social media. I thought about all the
friends I was able to get in touch with on Facebook and the ones I could not, no
matter how much I searched. That's when I thought of the story of Nick and Sameera
who were friends in high school and lost touch.
I started by literally writing down on a sheet of paper the main aspect of the
story, finding lost love. My characters were born and the story started to form. I
wanted the charaters to be Indian but living in the beautiful San Francisco bay area. I
still have notes from my initial days with the names and characteristics of each
character and why I wanted them to have those traits. I wanted my story to be strong
and deep so I needed something more than love and friendship and the only thing
that gave my story the depth was destiny.
I spent two weeks from the day I thought of the story to figure out if I could
really do it and I discussed with a few of my loved ones. Inspite of the nagging
question around the use of time I told myself I was going to put the story on paper so
I can read the story even if no one wants to read it.
Once I started writing, I could not stop. I was writing part time but it took me
two months to publish the book. The energy and the enthusiasm I had was just
unbelievable. In the two months I spent working on my book the series was born, I
carved out what I wanted to write in part two and three and put the oulines aside and
focused on getting my thoughts out for the first part.
My family and friends were extremely surprised when I told them I wrote a
book and a lot of them asked the standard 'Who are you?' question after reading my
book. The feedback and comments I received from everyone was extremely
encouraging and that's what keeps me going.


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Friday, February 19, 2010
Australian Prime Mininster Kevin Rudd has given Japan an ultimatum: cease whaling in the Southern Ocean or face international legal action. Rudd has been under fire for not keeping a campaign promise to take the Japanese to court over whaling. "But that's the bottom line and we're very clear to the Japanese, that's what we intend to do," he told the Seven Network today. "If that fails, then we will initiate court action before the commencement of the whaling season in November 2010."
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Mission Statement
The Lycoming Career & Technology Center, an alliance of cooperating school districts, delivers quality career and technical programs through business and education partnerships to ensure successful transition to the workforce and/or continuing education.
Technical Training vs. Academics
You don't have to choose between technical training and academics. We can help you achieve the best of both the academic and technical training worlds. Most students' schedule will permit you to take college prep courses at your home school and receive advanced technical training from the LYCO CTC. This combination of academics and technical training increases your employability or prepares you for post secondary training and even college.
- Students residing in the five participating school districts are eligible to attend. The four participating school districts are: East Lycoming, Montoursville Area, Muncy, Loyalsock and Warrior Run.
- The LYCO CTC accepts students enrolled in the 10th, 11th and 12 grades. Ninth grader students are accepted under special circumstances.
Non Public School Students
- Non public school students that live in one of the four participating districts are invited to investigate the educational opportunities at the LYCO CTC.
How to Apply
- Eligible students may obtain application materials from their high school counselor.
- You may contact the LYCO CTC directly and receive an application packet.
- Click here to obtain an information packet.
Check Us Out
- CAREER EXPO – The LYCO CTC will conduct a Career Expo in the Fall. All interested students and parents are encouraged to attend.
- THE SCHOOL TOUR – The LYCO CTC will conduct a tour of our facility and all programs for all 9th grade students. This will occur some time in late November or early December.
- THE PRESENTATION – A LYCO CTC representative will come to each of the sending schools and deliver an informational presentation to all 9th grade students.
- CLOSER LOOK – Students may sign up for a closer look and come back to the LYCO CTC and spend an entire session in one program area.
- The four sending schools provide bus transportation to and from the LYCO CTC for their students. Generally, student driving is not permitted except in special circumstances.
Attendance Options
- All students prepare for immediate employment or higher education and may include LYCO CTC Work Experience Program(s) during their third year.
- 2 Year Students have the option of attending the LYCO CTC for two years. The two year program would focus on specific competencies in their chosen program area and provide the student with a solid background in that area.
- 1 Year Students will benefit from attending the LYCO CTC for one year by providing the student with a basic understanding of the chosen program area.
- LYCO CTC students attend their home school for one-half day for their academic subjects and attend the LYCO CTC for the remaining half day.
- The sessions are approximately 8:30 to 10:30 AM for the morning session and 12:30 to 2:59 PM for the afternoon session.
- The session you attend depends on your sending school.
- Muncy and Warrior Run students attend the AM session. Montoursville Area, Loyalsock and East Lycoming students attend the PM session. East Lycoming may send students to both sessions.


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Oct. 13 (UPI) -- Country music star Trace Adkins has married his girlfriend, actress Victoria Pratt.
"Join us in congratulating Trace & Victoria! They tied the knot yesterday in New Orleans," Adkins' Instagram account said Sunday.
The message accompanied a photo of the 48-year-old bride and 57-year-old groom, along with recording artist Blake Shelton, who officiated the outdoor ceremony.
E! News said the couple have been together for 2 1/2 years.


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Vintage Bible College & Seminary © 2017
Vintage Bible College & Seminary is an interdenominational christian bible college and seminary. We are located in Winston-Salem and convenient to Greensboro, Charlotte, High Point, Raleigh and the Piedmont Triad area of Forsyth County, North Carolina. Vintage Bible College provides both on-campus and online bible seminary degree studies. This website is a presentation of some of the programs and policies of Vintage Bible College & Seminary; however, the school is not liable for errors and/or omissions which may occur in the publishing of this site. Vintage Bible College reserves the right to make changes and corrections as necessary. If you have questions, contact the school by phone (336) 759-0591 or email firstname.lastname@example.com.
Current VBC Online Courses
INSTRUCTIONS: Click on the course name below to proceed to the course online login screen.
SUMMER 2017 (Term C)
Biblical Principles of Leadership I (PM101)
The Doctrine of Man (TH419)
Leadership for Renewal (LD408)
Theology of Man (TH503)
The Leader and Renewal (LD508)
SUMMER 2017 (Term B)
Marriage and the Family I (PM102)
Grace & Law: Galatians (TH307)
Introduction to Hermeneutics: How to Study the Bible (PH403)
Biblical Hermeneutics (PH503)
Exposition of Galatians (TH507)
SUMMER 2017 (Term A)
A Study of James (BS106)
Introduction to Christian Counseling (CC205)
A Study of the Books of Samuel (BS301)
Angelology (TH595)
SPRING 2017 (Term D)
The Blood Covenant: God's Covenants With Man (TH102)
Theology I: A Study of God (TH304)
The Gospels (BS306)
Theology Proper (TH514)
The Secret Place: Prayer and Worship (LD512)
SPRING 2017 (Term C)
Undergraduate Level Courses
A Study of the Book of Acts (BS104)
Graduate Level Courses
Bibliology: Bible History (TH531) [Masters Level Course]
The Servant Leader (LD560) [Masters Level Course]
SPRING 2017 (Term B)
Undergraduate Level Courses
Theology II: Soteriology (TH401)
Ezra, Nehemiah, & Esther (BS405)
Graduate Level Courses
Historical Books II (BS505) [Masters Level Course]
Eschatology: Book of Revelation (TH504) [Masters Level Course]
SPRING 2017 (Term A)
Undergraduate Level Courses
Graduate Level Courses
Dispensational Theology (TH524) [Masters Level Course]
A Study of Isaiah & Jeremiah (BS513) [Masters Level Course]
WINTER 2017 (Term D)
Undergraduate Level Courses
The Spirit-filled Leader (LD407)
Graduate Level Courses
Spirit-filled Leadership (LD507) [Masters Level Course]
Ministry Management (PM505) [Masters Level Course]
WINTER 2017 (Term C)
Undergraduate Level Courses
Practical Pastoral Theology (TH201)
Graduate Level Courses
The Competent Leader (LD501) [Masters Level Course]
The Servant Leader (LD560) [Masters Level Course]
WINTER 2017 (Term B)
Undergraduate Level Courses
The Dynamics of the Holy Spirit (TH101)
Prayer: Times of Refreshing (LD410)
Graduate Level Courses
Spiritual Renewal (LD510) [Masters Level Course]
Survey of the General Epistles (BS501) [Masters Level Course]
WINTER 2017 (Term A)
Undergraduate Level Courses
Exploring The Supernatural: Angelology (TH103)
The Tabernacle & Priesthood (TH409)
Graduate Level Courses
Introduction to Typology (TH509) [Masters Level Course]
Biblical Dynamics of Marriage (PM517) [Masters Level Course]
Wrong password.


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Name: New York State Archives
Address: 222 Madison Ave, Albany, NY 12230 11th Floor
Phone: (518) 474-8955
Website: http://www.archives.nysed.gov/
Parking: This will take you to a map and information on parking near the library. I have had good luck with the Cathedral parking lot whenever I have visited the library.
Monday - Saturday
9:30 a.m. - 5 p.m.
Situated in the state's capital, the New York State Archives is simply put, the archives for the entire state. It is situated in downtown Albany, a couple blocks from the state capital and at the southern end of the Empire State Plaza Convention Center. The building also contains the New York State Library and the New York State Museum.
Monday through Saturday, the doors to the building open at 9:30 in the morning. Upon entering, you are in a large room with information and guard counters as well as kiosks with information about Albany including bus schedules. At first it can be confusing as archways lead off in all directions. If you have time, feel free to explore through these arches—they are parts the New York State Museum which is free admission. In the northeast corner is the museum gift shop, which among other items, sells many books about the history and culture of the state.
Walking towards the back, you will see a desk for the security guards of the building. On either side of their area are banks of elevators. Turn towards the right and you will see these are marked with the various public floors. The Archives are on the 11th floor.
Does this information sound familiar? It should, the above was taken almost word for word from my previously write-up of the New York State Library and for very good reason. Although two different places, they are in the same building and take up much of the same space.
The archives have many restrictions, but don't fear. They are also very happy to guide you through what you need. The registration process is very quick and simple; just make sure you have an official picture identification with you- probably your driver's license. Once you register, you're good for the year. There are lockers available to stow any of your stuff that you have along and can't take in with you. The pictures on this post were taken in the archives with just one stipulation- I was not allowed to take any pictures of people. Luckily, it was just about noon and not many people were working there at the time!
Once you are registered, you will be assigned a table in the archives. Shortly, the items that you requested will be brought out to you. On my most recent trip, I had so many items I was looking for in the library, that I did not plan any time to use the archives. However, in the past I have looked at various manuscripts that people have prepared about families that I am interested in. Some were family trees, and some were letters and such.
This past December, I had the opportunity to look through a bound atlas of maps of the Wallumschack Patent along the upper Hudson River coming out of the 16 January 1791 deed of partition. These were not the original maps. But rather it is, a late 19th century copy of them. The maps show the lines and divisions of lots in what is now Washington County and across the border in Vermont. Not much information found, except there is that detail of Lot 12. What is that name just north of where Little White Creek runs through? Why, yes it does say "Seth Chase." Seth, better known in my research as "grandpa times 5," was a Loyalist at one time, but remained after the Revolution. He ran a tavern somewhere in present day Washington County both before, during and after the Revolution. Did I say somewhere? I think that house symbol in the corner of the property might give a clue. Comparing this map with a present day, we can tell almost exactly where that tavern stood!


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It's a cloudy, grey day here in Sydney's suburbs. A steady, cold breeze rattles the wattles and shakes a lorikeet out of the green wire birdfeeders hanging on the sparsely leaved branches of the backyard eucalypts. People meander home from bus stops with their heads hanging low, their bright pastel chambray shirts peeking through their dark, heavy coats. The vibrant colours of suburban Australia- the green leaves and the orange terracotta roofing- become subdued and lifeless under a miserable sky and the chilly Pacific Ocean breeze.
Cut from the same cloth as local melancholic pop bands from the 80's like The Replacements, Go-Betweens or The Clean, Adelaide's Bad//Dreems make just the kind of music for a day like today. In fact, listening to them for the first time this morning, I felt compelled to take my laptop out to my verandah, smoke a winnie, have a cup of tea and soak in the unique blandness of the suburban winter while penning this introduction. Their debut EP Badlands draws heavily from the Flying Nun school of wandering, unpolished guitar pop while leaving room for a few tracks to divulge into noisy Pixies style jams and a few modern punk breakdowns reminiscent of Cloud Nothings and Wavves.
For a bit of context, these guys are relatively new additions to the scene, only existing in their current lineup for a bit over a year. Their six track Badlands EP was released this July. I wrote earlier that the band draws influence from Australian indie and underground scenes of the late 70's and early 80's, and it seems that these themes of joyless nostalgia have something to do with the band's geographical location. Their biography (which can be found on their Facebook page) is a dissertation on the derelict urban scenery of Adelaide's northern suburbs – lamenting the loss of venues around the old West End Brewery and commenting on the bikie wars and the less than desirable reputation Adelaide has as the 'Badlands' of Australian capitals.
If this seems like pretentious rambling in order to gain some artistic respectability for what is essentially a post-punk band with a limited catalogue of material, you aren't far off the mark. But what strikes me about their sound and their self description is that these guys are genuinely capturing and reworking a sound that can be considered uniquely suburban. Their attitude towards urban decay and retreating sprawl, their rejection of the traditional "beachy" sound that is so popular with local guitar bands and their lyrical obsession with hopelessness, unemployment and lost love paint a mature sonic picture of metropolitan Australia.
All in all, Bad//Dreems have put together six solid tracks that should be the soundtrack to everyone's hair of the dog session this Sunday, and indeed every hungover morning until they release their full length LP. Don't be surprised if these guys start popping up on lineups for Laneway and Harvest festivals in a year or two – these are definitely a bunch of boys to keep your eyes on, and should be putting on some killer shows in support of Step Panther in October and Bleeding Knees Club in November. Check out their website for more details.