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Continued reading from Tape Reading & Market Tactics.
Click here to read Chapter 17.
Chapter 18
More Thoughts on Human Nature and Speculation
I have watched traders in brokers' offices with deep interest, and have tried to learn the traits that crippled their profits. The desire to "make a killing"—greed—has impressed me particularly.
Perhaps this desire to squeeze the last point out of a trade is the most difficult to fight against. It is also the most dangerous. How often has it happened in your own case that you have entered a commitment with a conservatively set goal, which your judgment has told you was reasonable, only to throw over your resolutions when your stock has reached that point, because you thought "there were four more points in the move?" The irony of it is that seemingly nine times out of ten (I know, for it has happened with me) the stock does not reach your hoped-for objective; then—to add humiliation to lost profits—it goes against you for another number of points; and, like as not, you end up with no profit at all, or a loss.
Maybe it would help you if I told you what I have done to keep me in my traces: I have opened a simple set of books, just as if I were operating with money belonging to someone else. I have set down what would be considered a fair return on speculative capital, and have opened an account for losses as well as for gains, knowing that the real secret of speculative success lies in taking losses quickly when I think my judgment has been wrong. When a commitment is earning fair profits, and is acting as I had judged it should act, I let my profits run. But, so soon as I think that my opinion has been erroneous, I endeavor to get out quickly and not to allow my greed to force me to hold for those ephemeral, hoped-for points. Nor do I allow my pride to prevent an admission of error. I had rather, by far, accept the fact that I have been wrong than accept large losses.
Another helpful thing to do, especially when you feel in doubt about your position, is frequently to close out all commitments (except your investment backlogs) and stay out of the market for a time. This clears your perspective and allows your judgment to "congeal." Never hold to a position because of pride in an original conclusion which your later judgment whispers is wrong. If you will limit your losses quickly and allow your profits to run, you have to be right only two or three times in every five to earn extraordinary profits.
For fear of being misunderstood, I want to explain that the foregoing is not to be construed as advising daily scalping, or in-and-out trading "for a point," as, to my mind, there is nothing but grief to result from that in the long run. Rather, it offers suggestions for conservative speculation within the major or intermediate swings of stock prices. Concentrate your trading on these more important, intermediate moves and concentrate your mind on the action of the stock. Force yourself to forget "self" in order to trade in an impersonal, business-like manner.
Look Upon Your Stock Certificates as a Merchant Looks Upon His Merchandise
A merchant buys goods which he expects to sell at a profit. Your speculative purchases of stock certificates, to be successful, must be consistent with the same merchandising principle. Before you buy a stock, be satisfied that you can sell it to someone else at a higher price. Do not forget for a moment that for every share of stock sold there must be a buyer. I know that this sounds childish, but many evidently forget it. You do not make a personal sale when you sell your stock; simply, somebody somewhere buys it. It is your judgment, or your advisor's, which must decide whether there is somebody who will pay more for your merchandise than you did, plus your overhead expenses.
Likewise, just as a merchant knows that certain styles will not long remain in demand, so must speculators realize that certain stocks which are popular now, may lack demand three months hence. What does a merchant do when he learns that a certain coat which he has purchased does not sell readily? He immediately marks it down, let us say, 10 percent. Then, if after a few days it is still on his hands, he again lowers the price, until finally he may transfer it to the "basement bargains. "But he sells that coat—he does not hang on to it hoping that it will sell as originally priced.
If you are not familiar with retail merchandising, hunt up a friend of yours who is in the retail business—preferably women's wear—and ask him to tell you the principles of buying and selling for profit. I assure you that if you will do this and then thoughtfully consider the similarity of your market trading to retail trading, you will see the matter from a new and more profitable angle.
The most important factor in merchandising is the reading of the public's psychology of style, just as I claim that market, or investor, psychology is the most essential study in forecasting. There is an old saying in retail merchandising that "well bought is half sold." Is this not true of stocks? If your interpretation of market action—as it relates to demand—is correct, then your stock is half sold at a profit the moment you buy it.
Forget stock certificates as such and consider them as merchandise whose salability depends on fickle style. If you find that you have misjudged your market, offer your merchandise at cut prices and get rid of it. Take a loss and try again. Remember that if you limit your losses you can afford to accept many losses and still be ahead, because your correctly purchased merchandise will earn big profits for you.
Finally, do not try to sell winter coats in the spring. Sell them all before the last snow has gone. In other words, let your "competitors" have the last few points in a move. The surest profits are those in the middle—at neither the top nor the bottom.
Do Not Believe Anything You Read
Here are two headings which appeared over two practically identical financial articles, one published in The Wall Street Journal, the other in The New York Times, on Tuesday morning, July 29, 1930:
The Wall Street Journal:
Continental Oil 2nd Quarter Off; Consolidated Profit $2,120,518 Against $3,842,081 Year Ago; Six Months' IncomeUp
The New York Times:
Continental Oil's Net Profit Jumps; Quarter's Total Reported at $2,120,518 Against $523,302 in First Three Months. Big Curtailment Made; Company Forecasts Enviable Position When "Value for Products" is Received
It is not difficult to sense which newspaper was interested in publishing optimistic news. The remainders of the two articles were very much alike; doubtless each paper received the report from the company's publicity office. The headlines in The Times read as if they, also, were written in that office. These remarks are not made to render an opinion on Continental Oil stock one way or the other, but the illustrations are printed to point out that the unwary, thoughtless reader is at the mercy of the newspaper headline writer or a company's publicity man.
Actually, the only wise course to pursue in reading financial news is to believe nothing! Remember the wise counsel of Sir Francis Bacon: to "doubt all before you believe anything."
Bear in mind two important facts, facts which may cause your own downfall market-wise unless you are on your guard every minute.
First, newspapers, as a rule, do not wish to publish pessimistic news. Whenever possible the best foot is put forward in any piece of business reporting. Ask any publicity man and he will tell you that there is little use in sending any financial releases to newspapers, with the hope that they will be printed, unless they are optimistic in tone.
Second, corporations will seldom stress any but the best news of their operations. You constantly read news items about corporations, wherein new improvements, increased sales, new products, and what not, are reported. These items may be published purely for the purpose of interesting the public in the company's stock. Probably a pool is operating in the stock and it is soliciting the public's aid through advertising—the best advertising, next to rising stock prices on the ticker tape, being frequent news items.
A noted economist once told me that he tried never to believe anything he read in financial reports, but endeavored to place his own interpretation upon the facts and statistics published, paying no attention to the implied opinion of the writer. He admitted, however, that oftentimes he himself was carried away unwittingly by colorful reports which he did not analyze coldly and critically.
Referring again to the headlines at the beginning of this article, I wish to remark, lest you have not noticed it, that The Times' headline would imply a sensational increase in business if you saw only the report for the two quarters of 1930, although the half-year income was only slightly in excess of 1929 and the second quarter of 1930 was nearly two millions under the same period of the previous year.
A friend once sent me a clipping from the financial page of The New York Herald Tribune, which I reprint herewith. It hardly needs comment, for it simply bears out what I have said in this section:
The following two quotations, appearing in different newspapers yesterday, may, when taken together, help one understand just what went on in the stock market: "Operations for the rise," states one commentator, "which had been checked yesterday by profit-taking, were resumed with vigor on the Stock Exchange this morning and, despite further selling to realize profits, made excellent headway during the abbreviated session in a well diversified market." Exhibit No. 2: "Heavy selling went ahead in the principal industrial stocks in the weekend session. Uncertainty over the business outlook was induced by the recent bad breaks in cotton and wheat, and the decline in iron and steel prices."
I am told that many big operators scarcely ever read the financial pages of newspapers, because they wish to draw their own conclusions and formulate their own judgments from cold statistics and the action of the market, realizing that unconsciously they may be swayed by publicity releases and financial writers' opinions, which may be based upon hearsay rather than facts.
The Value of the Impersonal Viewpoint
If we all had the impersonal viewpoint concerning our investments and speculative commitments, I know that profits would be much larger, chiefly because losses would shrink. I honestly believe that the most important problem before both the investor and the speculator, is limitation of losses. In other words, the emphasis in the handling of all commitments should be put on the prevention of large losses and the willingness to accept many small losses.
We can do this only if we have the impersonal viewpoint. In your business, you doubtless never give a second thought to some small loss which your business judgment tells you to take, whereas if it were out of your own pocket you would have it on your mind all day. A merchant marks down a coat to move it quickly, but does not worry over the loss; a buyer, in a rush to get in some supplies, may find he has paid a few dollars more than would have been necessary if he had had the time to obtain several bids; a business man will spend the company's money for a trip which is not actually essential, but the expense will not worry him, although it indirectly may be his own money. In all these examples—and you can think of many more—the minds were focused upon the job in hand rather than upon the money expended.
How may you obtain this same viewpoint in the market? My only suggestion, which I have found works fairly well (not perfectly, I admit), is for you to look upon your market transactions, whether they are long-pull investments or commitments for the shorter swings, as simply constituting a business in which you are interested. Open a simple set of books, setting up a stipulated percentage of your capital (start with 33 1/3 percent) as a reserve against losses. Decide upon a conservative income from your investment, which will not tempt you at any time to become overextended. Open an account for surplus, and add to it each month (if you are actively trading) a specific percentage of your profits (at least 50 percent, which, in turn, should be invested in bonds or long-term common-stock investments).
I believe that, if you will do this, you will unconsciously find your mind to be upon the operation of your business, rather than upon the fact that each point means fifty or a hundred dollars in your pocket.
To return to the matter of limitation of losses: you will find that you are willing, even entirely satisfied, to accept a number of small losses, inasmuch as your mind will be focused impersonally on the business problem of adding to your surplus each month and as you will realize that you have a reserve against your losses which it is perfectly good business to use up, and because, if your percentages are worked out soundly, your losses are an expected and normal sequence in your business operation. In other words, to earn consistent profits you have to take losses, and many of them.
The Public is Always fooled
Early in the summer of 1930, it was generally quoted that brokers had instructed their employees to take their vacations early, because a brisk market was expected in August. The public naturally looked for a young bull market. Instead, during the greater part of the summer we witnessed declining prices. I did not hear of any broker who was not able to keep up with business, and I doubt if many were forced to work their staff's overtime.
It is rather discouraging to some of us to read so many announcements apparently released to fool the public. However, I rather suspect that some of the "big boys" themselves were fooled that summer, as I am certain many of them were quite positive that the inactive weeks in the latter part of May were periods of accumulation. Still, although some were fooled, others fooled the public. One thing is almost as sure as taxes, and that is: that trying to outguess "them" in daily fluctuations is financial suicide for the vast majority. Some may be lucky for a few trades, but not for many more than that. Remember this: the big operators and pool-managers, when successful, outwit or outwait the public. The thing for you and me to do is to try to time our commitments so that we tag along with "them" for the trend (of maybe 1 week, maybe 16 weeks) and precede the public, both in buying and in selling.
And this means not allowing ourselves to be "kidded" into some move, or pushed into following the crowd.
Never Answer a Margin Call
The Market Philosopher's advice to his class is: never answer a margin-call. Tell your broker to sell enough of the shares he is holding for you to meet his requirements. The margin clerk is your best friend: he can be depended upon to tell you when to sell; and if you do not follow his tip, he will sell anyway.
In order to check up on this theory of it's being best never to answer a margin call, I once interviewed a number of brokers. They all, without exception, told me that traders would fare much more profitably than they usually do, if they never replied with more money to protect their margin accounts.
And why should they not?
Your judgment is bound to be biased when your stocks are going against you. It is impossible for you to consider all factors calmly. When you purchased your stocks you expected them to advance. If the opposite movement occurs, your judgment was wrong. Then why, in Heaven's name, throw good money after bad? What is the difference, after all, between a paper loss and an actual loss? Your equity is exactly the same on the broker's books (minus the selling commissions). You are no better off, holding on, than you are if you sell out—in fact, you are not as well situated, because more of your capital is tied up: thus you weaken your position, possibly to the point where you cannot take advantage of whatever bargain prices there may turn up later.
The Danger of Too Much Nerve
I know that there are many who are opposed to the thought I shall expand upon here—that it is dangerous to call upon your nerve to help you stay with a commitment.
Fear is probably the outstanding emotion in the market. (In making these remarks, I have marginal operations in mind.) Although a certain small amount of fear is a wonderful safety-valve, I believe you will agree that any more than that much paralyzes sound reasoning, and that without sound reasoning we have no business speculating.
Let us look at it from another angle: suppose you and I have purchased a certain stock after due deliberation. From our study of the transaction it is our belief that the stock should advance, and, although minor reactions (of two or three points, let us say) are to be expected we nevertheless think the trend is up. If, instead of advancing, the stock immediately reacts (contrary to our previous opinion that reactions were expected during, but not prior to, the advance), we know that our calculations of the technical position were not accurate. This beclouds the outlook; our original conclusion was erroneously arrived at. If we are confused, or afraid of the result, what is the sensible thing to do? Sell; get out and make a new analysis.
Why sell? Why not grit our teeth and say: "By George, I am in this thing and I'll stick it out as long as my money lasts. I've got enough margin to carry it down fifteen more points; I'll show this stock it can't bluff me."
Figure it out for yourself. Perhaps my thinking is askew, but until someone proves to me that it is sounder to use nerve and stick to a commitment which I know, if I were out of it—if I were sitting on the sidelines—I should not buy into, I am going to continue to be afraid, and can do nothing better than get out. This is a profitable method of reasoning, is it not—to get out of a stock which you would not buy?
I have heard so many traders say, again and again: "I wish I were not long of that stock; if I weren't, believe me, I'd never buy that dog." When I ask them why they do not sell, I am informed: "Oh, I can't lose my nerve and sell now; I have a loss in it."
Well, all that I can say is that this shows you one of the many, many reasons why pool operators and professionals make money by trading with the public.
You may reply that, if you sell when in doubt, you may lose a good position. As you know by now, there is, to me, no such thing as "position" in trading. You certainly cannot lose a good position if the position you are in shows you a loss. Likewise, remember, the stock market is not going to close down soon. It will still be there next year, making money for the few who are smart and losing money for the many who are foolish.
Remember: it is not the price you pay for a stock, but the time at which you buy it, which counts in trading.
Averaging to Satisfy Pride of Opinion
Once, in the fall of 1930, when I was on my way to Vermont for a weekend, I ran into an acquaintance in the parlor car. It was not long before our talk swung to the stock market.
He pulled out of his pocket a list of stocks which he had purchased at 1929 near-highs. I listened while he told me of his plans. He said: "I am going to buy more of each of these stocks pretty soon, when I think the bottom has been reached."
I asked him if I might look at his list. I noticed some stocks whose companies were unlikely to prosper to any great extent during the coming year or two. I was naturally interested to learn what prompted his decision to buy more shares of each present holding.
"Well, you see, I hate to look at the prices at which I bought these stocks; and if I buy more at these low levels I can average my prices, and I shan't mind so much then. For example, I paid $75 a share for my United Corporation, and if I buy some more at around $20, my average price will only be $47.50, which doesn't look so high."
"Are you going to buy more of every stock regardless of the outlook for the companies? I have no quarrel with your decision on United Corporation, but cannot quite see why you buy more of two or three of your other holdings."
"Oh, yes, i'll buy them all; they're all good stocks."
To my mind, averaging is, in itself, wrong reasoning; but to average simply to satisfy your pride of opinion is financial suicide. In averaging, you are buying more of something which is worth less than you previously thought it should be worth. When, on the other hand, you buy more of a stock which has advanced above what you paid for it, your judgment has been confirmed and your profits are helping you. In averaging down you never know for certain that you are buying at the bottom: a friend of mine averaged Chrysler four times in 1929 and 1930, and the fourth time it was in the eighties!
The fellow who averages at the exact bottom, will immediately rise from his seat and tell me that this theory is all wrong. Perhaps even then it is not wrong, because until the stock has showed him a profit he is not positive that he has not purchased a "sleeper," one which will stay down.


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must-see: lonni paul designs melissa joan hart's new home
In searching for a family home to make the commute to her show Melissa & Joey more convenient, Melissa Joan Hart sought the help of interior designer (and friend!) Lonni Paul. The results gave Melissa & family exactly the home they were hoping for! Take the tour and read more from Melissa below!

subset: commoncrawl


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Angry & Jilted Lady Sets Her Boyfriend's Car on Fire For Dumping Her - Photos
Yes yes yes yes .... I know this is what is going through many ladies mind as they saw the headline. Hahah, guys self, una no dey tire? In fact, there is need for us to redefine this thing we call relationship these days.
Though that dating is not a do or die affair and the fact that he or she is dating you is not a guarantee that you will likely end as a couple. I don't know what is wrong with this part of the world called Africa.
This angry girlfriend decided to set her guys car on fire simply because he dumped her. Although we can't really justify her actions at the moment but I will suggest we all tread carefully when making promises to each other during relationships. who knows, may be the guy promised to even buy her a private jet.
hahahah - see what people thing and more pics below;


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The ski resorts area of Vallnord (Andorra) have written a Bicycle Master Plan to promote cycling in the summer season as a new tourist activity in the alpine ski resort in order to expand the current tourist season.
Background & Objectives
In ski resorts the tourist season is usually limited to 5 months of the year. The development of new bike activities (mountain biking, downhill, road cycling, family bicycle touring,...) aims to expand the current tourist season. In order to have a global framework for a coherent development of these new activities, the public company Vallnord SA, with the support of La Massana and Ordino City Councils commissioned a Bicycle Master Plan.
The Bicycle Master Plan defines the priorities in bicycle infrastructures (bike routes & lanes, signage) and related equipment (bicycle parking, cleaning points,...) integrated into the existing urban traffic networks. The plan also includes promotional activities to increase the use of bikes by tourists and residents.
The implementation of the plan started in 2008 and was monitored by a steering committee, composed of Vallnord SA and other stakeholders. The municipalities were responsible for the implementation of the plan in their territories while the government managed the actions on the national road network. The action plan was implemented in La Massana, including the creation of a cycling paths network on the main streets of the urban area.>Currently pending is the bike connection between La Massana and Ordino and the development of the urban cycling network in Ordino.
The local private sector has been directly involved in the project. New bike rental companies have been created and some hotels have built bicycle parking and have designed specific packages for bike-related tourists.
The extension of tourism being the aim of the project, the indicator used for evaluation was the increase of visitors during the summer season. Among other factors, the bike-friendly policy contributed to an increase in summer visitors of 15% during the last 5 years.
It has to be pointed out that the availability of adequate infrastructure for bike activities was one of the key criteria for choosing Vallnord as a venue of the UCI-Mountain Bike World Cup in 2008, 2009 and in 2013.
The results demonstrated that through proper planning it is possible to cover the needs of different cyclist profiles (mountain biking, road cycling, cycle touring, daily bikers,...) and to safely integrate bicycle use in motorised urban traffic. The success of the experience in the involved towns has raised the possibility of designing a policy for the promotion of cycling for the whole country.


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About Him
Overview… the new kid. Pedro recently moved from the turbulent Mexican city of Juarez to the rural town of Preston, Idaho, and enrolled in the local high school, where he is the only minority student. He is not exactly a hit with his peers at first and he hangs out primarily with Napoleon Dynamite, the school's resident alpha-nerd. But then he decides to run for class president against the attractive blonde cheerleader Summer Wheatley. With Napoleon at his side, anything could happen.
Personality… shy, unconfident, and sedate. Pedro's thick Mexican accent compounds his weak grasp of American culture and seemingly congenital lack of charisma. But what he lacks in charm he makes up for in his ability to grow a full-blown moustache almost overnight. He also has a pair of cool cousins who ride around Preston in their low rider to back him up. Cool cousins or not, though, Pedro is constantly overheating. As far as he's concerned, it's always "kinda warm in here."
Pedro Sanchez's popularity ranking on CharacTour is #2185 out of 5,600+ characters. See our top-ranked characters and read their profiles.
Take CharacTour's quiz to get recommendations for thousands of characters, movies, TV shows, books, and games that are high matches for YOUR unique personality.


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Foresight, the government's flagship scheme for picking out key developments in science, is to be restructured and opened up to public participation, science minister Lord Sainsbury said this week at the British Association's science festival in Leicester.
He told The THES that future Foresight projects will be quicker than the two years taken to complete the first batch of Foresight, and that the early projects had covered topics too big to produce useful conclusions.
Instead, the next batch will be chosen from a dozen ideas hatched by a group of 12 senior scientists led by David King, chief scientific adviser to the government, in the light of public response. Lord Sainsbury said:
"We are after subjects where there is an important new technology or where there are significant policy issues for government."
The topics chosen will be added to two announced this week: flood defences and the brain's cognitive systems. Lord Sainsbury said that the first was a major policy problem and the second a fast-moving area of science with implications in areas such as the treatment of Alzheimer's disease.
He said that previous Foresight analyses had affected government spending priorities "a little", but that he expected future Foresight work to be more influential on government policy and on public spending. Lord Sainsbury said: "Some of our reports like one on crime were taken up, in that case by the Home Office. It contained very practical advice on the implications of current science and technology. We want Foresight to produce useful views and information which is going to feed directly into the policies of different government departments."
Transport, health and land use are among topics in the new round of Foresight proposals.
Lord Sainsbury said that the Foresight model had been "looked at widely" as an example for other countries, and the new version would "take it forward again".
He added that the Department of Trade and Industry might carry out Foresight studies not on the list now up for consultation if a good enough idea was suggested.
The full list can be found at www.foresight.gov.uk
• Persuading more schoolchildren to read science at university and to become science teachers are among the aims of Planet Science, the revamped Science Year, which has been extended to run until July 2003.
Director Mike Tomlinson told the BA that ministers at the Department for Education and Skills had approved an extension because of the success of Science Year, which had cash from the DFES and is run by the National Endowment for Science, Technology and the Arts. So far it has spent about £4 million, much of it used to provide equipment for schools including digital microscopes for every primary school.
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Thirty-year fixed mortgage rates slid three basis points, to their lowest level since November, while the 15-year fixed fell by one basis point and 5/1 ARMs were unchanged, according to a NerdWallet survey of daily mortgage rates published by national lenders Wednesday morning.
Mortgage rates respond to bond markets, and bond traders are attuned to any hint of political disruption. President Trump dropped such a hint in a speech Tuesday in Arizona. He said it was "absolutely necessary" to build a border wall and added: "Now, the obstructionist Democrats would like us not to do it. But believe me, if we have to close down our government, we're building that wall."
The words "close down our government" impelled traders to buy bonds — not only Treasurys, but mortgage-backed securities, too. Both are considered among the safest investments because they are backed by the federal government. Even if there's a shutdown, the federal government will eventually pay its bills.
When investors compete to buy mortgage-backed securities, they signal that more money is available for lending to home buyers — and when the supply of money goes up, the price goes down. In the case of mortgages, the price is the interest rate.
This is the lowest level for the 30-year fixed since Nov. 9 (the day after the presidential election), when it was 3.79%.
MORTGAGE RATES TODAY, Wednesday, AUG. 23:
(Change from 8/22)
30-year fixed: 3.97% APR (-0.03)
15-year fixed: 3.43% APR (-0.01)
NerdWallet daily mortgage rates are an average of the published annual percentage rate with the lowest points for each loan term offered by a sampling of major national lenders. APR quotes reflect an interest rate plus points, fees and other expenses, providing the most accurate view of the costs a borrower might pay.
More from NerdWallet


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The SAMMC Decon Team springs into action to assemble a portable decontamination tent during the Decon Rodeo Oct. 29 which was hosted by the Emergency Medical Service/Hospital Disaster Group Decon-Radiation Safety Officer Committee and the Southwest Texas Regional Advisory Council for Trauma. Photo by Steven Galvan
By Steven Galvan, Public Affairs Officer
U.S. Army Institute of Surgical Research
San Antonio is well-known throughout Texas for hosting one of the nation's largest and best rodeos with the world's best cowboys and cowgirls competing for top prizes in bareback, bull riding, barrel racing, steer wrestling and other traditional rodeo events. On Oct. 29, San Antonio was once again the host of a rodeo, but there wasn't a single bull, horse or a cowboy to be seen. Instead, the area's best hospital decontamination teams from the southwest Texas region competed in a "Decon Rodeo." The rodeo designed to improve response times and promote team building was hosted by the Emergency Medical Service/Hospital Disaster Group Decon-Radiation Safety Officer Committee and the Southwest Texas Regional Advisory Council for Trauma.
The San Antonio Military Medical Center Decon Team placed second this year, just a couple of points behind the winning team from the Children's Hospital of San Antonio. A total of eight six-person teams competed in the annual event where they were judged in five timed events: assembly and disassembly of a portable decontamination tent; personal protective equipment donning and the decontamination process of a manikin; a written exam; and the use of a radiation detector to detect radiation on a patient.
"We were well-prepared this year," said 1st Lt. Eric Bracamonte, SAMMC Decon Team Officer in Charge.
SAMMC's team competed last year coming in fourth place out of four teams. This year the team was perfect in three events and had the best time in two. SAMMC Decon Team Leader, Sgt. TJ Chavez, assigned to the U.S. Army Institute of Surgical Research Burn Center credits that to the teams' determination to goal to win.
"We've been training since June," he said. "But we really ramped up our training during the last month."
Chavez added that every team in the competition was a winner because it's all about being trained and prepared when called for a real event requiring the response of the decon team.
"It's also an excellent opportunity for all of the teams to get together and learn from each other," he said.
The SAMMC Decon Team trains monthly and has 70 Soldiers and Airmen assigned to the hospital and the USAIS Burn Center trained and ready to respond when the call comes.
"I am very proud of the team's performance," said Bracamonte. "They did a great job and I'm confident that we will be able to respond quickly and accurately when needed."


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Pacific Life Insurance recently announced it would be halting the digital financial advice service called Swell Investing.
After four years on the market, Swell representatives said they weren't able to achieve the right scale to sustain operations.
The theme of the automated platform was investing clients in vehicles focused on sustainable businesses, like green technology, clean water and renewables.
But with environmental, social and governance (ESG) funds attracting nearly $9 billion in the first half of the year (compared with $5.5 billion for all of 2018), it may be the platform that's the problem.
One example of such an automated platform is the Charles Schwab Intelligent Portfolio. Introduced in 2015, a minimum of $5,000 is required to begin. Algorithms are used to build and monitor a personalized portfolio.
Since their emergence over a decade ago, robo-advisers have become a popular alternative for investors just entering the market or those looking to simplify the investment process.
According to a recent study from the Pension Research Council at the University of Pennsylvania's Wharton School, only 5% of Americans utilize a robo-adviser.
A recent Charles Schwab study says these users are predominantly millennials (60%) but found that nearly half of Americans expect to use a robo-adviser by 2025. Still, 70% of those who would or do utilize a robo-adviser want that system to have access to human advice.
For millennials, who came of age during the technological boom, pivoting to online banking and financial services and has been a given. And for those just starting out in the market, a robo-adviser can provide low- or no-fee services and a basic understanding of the market.
One problem with robo-platforms is in the way accounts are set up, largely through a questionnaire about risk aversion. As a columnist in Forbes noted when the aforementioned Schwab product went on the market, "[Robo-platforms] are not providing the wisest retirement advice but merely giving you what you asked for."
When you work with a registered investment advisor (RIA), he or she is held to a fiduciary duty. This duty means that the advisor must have the clients' best interests in mind at all times. The argument for avoiding robo-advisers is simple: How can an algorithm have your best interests in mind at all times?
Many headlines touted that robo-advisers were going to replace traditional financial advisors altogether. But data shows that as people become more aware of their own goals, they want real people to help manage their finances. They want someone who can understand their level of risk aversion, educate them on the market and lend an ear to their unique financial challenges and victories. It seems that working with a human is here to stay – at least for a little while longer.
Jennifer Pagliara, CFP, is an executive vice president and financial adviser at CapWealth and a proud member of the Millennial Generation. Her column speaks to her peers and anyone else that wants to get ahead financially. This article was published in The Tennessean on Sept. 6, 2019.


text: In our current society of non-stop networking, introductions have taken on a simplistic format. If someone wants to introduce an acquaintance, they can easily say something along the lines of: "Sally meet Harry. Harry meet Sally". But did you know there are rules to follow when doing a proper introduction? Here are a few rules … Continue reading THE ART OF INTRODUCTIONS IN 6 STEPS


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|- Knolik
cements, casein
cements, casein defined in 1909 yearcements, casein - Cements, Casein;
cements, casein - Casein or cheese has long been used for forming cements, either in combination with quicklime, borax, or, more recently, with silicate of soda. The most important point that requires attention, in order to secure success, is the freeing of the casein from all oily matter. Therefore, when curd is prepared from milk, use only the most carefully skimmed milk, quite free from cream. When cheese is used, select the poorest, and wash it carefully.
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Parliament Hill Yoga: "All you have to do is breathe"
Melissa Dick recently became a city-dwelling Ottawan after growing up in the beautiful countryside of Gatineau, QC. She studies geography, works for a social justice organization, makes silkscreen prints for t-shirts, enjoys watching her garden grow and is on the continuous look out for the best rosemary-goat cheese croissant in town.
During the summer, most of my lunch breaks are spent sitting in Confederation Park reading a book and enjoying the sun, meeting a friend for a picnic lunch, or scurrying around doing little errands. However on Wednesdays – and I mean each and every single Wednesday in the summer – I head to Parliament Hill over my lunch hour, yoga mat tucked under my arm. Walking up Metcalfe, I often find myself among a swarm of other yoga-mat holders. Where are we all headed? To Parliament Hill Yoga, of course!
Parliament Hill Yoga is a free outdoor event held on the front lawn of Parliament Hill every Wednesday from 12 to 1 p.m. over the summer months. It is facilitated by lululemon athletica in the Rideau Centre, whose friendly staff bring mats to lend to newcomers and arrange for the most talented yoga instructors to guide the sessions every week. They strive to bring new instructors to the Hill every Wednesday, providing the opportunity for attendees to experience different routines and types of yoga every time they attend.
The event has been organized by lululemon Rideau Centre for the past five years. I discovered it in summer 2010 while walking around trying to get circulation back in my legs after sitting at my desk all morning. I remember being slightly shocked at the sight of it: hundreds of men and women, of every shape and size, kids and toddlers, all doing sun salutations in front of the beautiful Parliament buildings, laughing and moving into different yoga positions as guided by the energetic instructor. From that moment onwards, I knew this would be my place every Wednesday at lunch: stretching and breathing deeply on Parliament Hill.
The event is held rain or shine and is only cancelled in cases of particularly nasty weather. Everyone is welcome and the participation of each individual is celebrated. As yoga instructor Ichih Wang said this past week during some balancing poses, "We don't have walls here, so pick someone's head in front of you and focus on that to keep your balance!" Sometimes there are even groups of children on field trips who attend Parliament Hill Yoga, doing sun salutations for their first time and giggling as they try not to fall over during a balancing pose. There are many employees from the downtown core, such as myself, who venture out of their air-conditioned office buildings for some yoga time in the sun. There are elderly people, families and even babies who get to enjoy some upside-down time while their mother or father expertly holds them as they follow the movements.
To give you a sense of what a yoga session on Parliament Hill is like, here is a summary of my own experience from this past Wednesday . A striking 502 people attended on this day, where Ichih led us through an energizing power yoga sequence. The sky was slightly overcast and a light breeze blew over the Parliament Hill lawn. It was the perfect weather for outdoor yoga. Ichih had organized for a speaker system to be set up so it was easy for everyone to hear and follow her directions. I brought a colleague from work who does yoga regularly but whom had never experienced Parliament Hill Yoga before. She was amazed at the sheer number of people present, and who continued to arrive even as the session started.
Ichih led us through a challenging set of 100's after the initial relaxation pose, which left us all laughing and clutching our abdominals. As someone who sometimes gives up once my muscles start to burn, it's definitely motivating to know that 501 people around me are feeling the exact same thing and are pushing though! Ichih continued with a modified sun salutation series, a handful of balancing poses, some seated stretching exercises and then the relaxing savasna, or corpse pose, to wrap up the routine. She joked throughout the session and was clearly enjoying leading the immense group: "Stretch a little higher, now bend a little lower. Just like the elevator in your office!" The refreshing breeze seemed to sweep through the crowd at perfect moments, like when we were holding a pose for a bit longer or when the repeated sun salutations started to heat us up. During the final relaxation pose, Ichih calmly said over the speaker system, "Now, all you have to do is breathe." What better way to finish an enjoyable outdoor yoga session than with the reassurance that all you have to do is breathe? Simple as pie, and oh-so relaxing.
Speaking to some other attendees after the yoga session, I learned why other people love Parliament Hill Yoga. "It's like skating on the canal, but without the cold and the ice! It's open to everyone, and so accessible," one man, who had learned about Parliament Hill Yoga through his daughter, told me. A woman told me with a smile, "I love it because I can easily bring other people, like my boyfriend, who never does yoga." The underlying thread that seemed to unite everyone I spoke to was the sense of community that Parliament Hill Yoga creates. It was the fact that the event asks nothing of you and leaves you feeling energetic, relaxed and refreshed, and also that it's outside! I spoke with Ichih as people rolled up their mats and the Hill started to empty out, and she noted how Parliament Hill Yoga encourages the idea that yoga can be done anywhere and that there are no limitations. "Anyone can do it. I love it because it creates this amazing sense of community and peace that everyone can feel a part of, even if you came on your own," she said.
So whether you are a yoga guru capable of pretzel-poses and standing on your head, or are new to yoga and have no idea what "namaste" means, I encourage you to check out Parliament Hill Yoga on an upcoming Wednesday. Bring friends, family or coworkers and don't be intimidated if the instructor leads you through some "Om" chants – with everyone pitching in it feels like you're part of a sea of subtle and soft sound (and no one will notice if you're off key!). In my opinion, yoga under the open sky with a large number of people is an experience that transcends any type of yoga that takes place in a studio. And to be able to do it over my lunch hour, outdoors, three blocks from work and free of charge? It doesn't get any better than this.
Plus, it's always funny to see tourists standing there, as dumbstruck as I was when I saw Parliament Hill Yoga for the first time, perhaps thinking to themselves, "So this is what Ottawans do in their free time!"
Great pictures and post Melissa – thanks for sharing your experiences with us! For more information about Parliament Hill Yoga, check out lululemon atheltica Rideau Centre's Facebook page or events website. Will you be heading over the PHY next Wednesday? If so, we might see you there…


text: Anti-Money Laundering and Data Privacy Kelley Drye Seminar November 14, 2018 4:00 PM - 6:30 PM New York, NY Kelley Drye & Warren LLP 101 Park Avenue Register Join Kelley Drye on November 14, 2018 for a seminar on anti-money laundering and data privacy. To register please click here. Anti-Money Laundering Regulators continue to actively examine compliance, introduce new and heightened requirements, recalibrate global priorities, and aggressively pursue enforcement of regulations. Don't miss this engaging seminar focused on Anti-money laundering, discussing the latest major money laundering cases. This seminar provides a provocative, frank and practical discussion about AML regulation in your world. Presenters: Troy Paredes: Former Commissioner of the U.S. Securities & Exchange Commission; Founder of Paredes Strategies LLC Sarah Green: Former Senior Director in the Enforcement Division at FINRA Donald Anspacher: FBI Special Agent, New York Matthew Luzadder: Partner at Kelley Drye & Warren LLP; Certified Anti-Money Laundering Specialist Data Privacy Privacy and data security continue to dominate business discussions in a post-GDPR world. Companies across all industries and sectors must adopt policies and institute practices that adhere to new regulations and address threats to their data. This discussion offers new insights into some current hot topics surrounding data protection and cybersecurity, particularly as they relate to the financial services industry. Moderator: Merrill Stone: Partner at Kelley Drye & Warren LLP Panelists: Dana Rosenfeld: Partner and Chair of Kelley Drye & Warren LLP's Privacy and Information Security Practice Ellen McCarthy: Managing Director and Chief Compliance & Risk Officer at VMS, LLC John Thackeray: Risk and Compliance Policy Writer This seminar is designed for Broker Dealers, FinTech Firms, Hedge Funds, Investment Banks, Commercial Banks, Insurance Companies, CRE Mortgage Lenders, Credit Card Issuers, CEOs, COOs, CFOs, Branch Office Managers, Bank Supervisors, Brokers, and Compliance Professionals at Financial Institutions. CLE: Kelley Drye is an accredited provider of TX, NY, CA and IL CLE. This continuing legal education program will offer California, Illinois and Texas general credit and New York non-transitional general credit. We will apply for CLE credit in other jurisdictions, upon request, but cannot guarantee approval. PeopleMatthew LuzadderMerrill StoneDana Rosenfeld Related Practices Broker-DealerCorporatePrivacy and Information Security Counseling and Compliance OfficeChicago, ILNew York, NYStamford, CTWashington, DC


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510 North Humphreys Street
Our mission is to help provide you with personalized services. We are committed to offering competitively priced products while serving and supporting our community. Dedicated to assisting with customer expectations, we stay up to date on new technologies, and we build partnerships to provide additional support for clients. We hope to provide you the structure, guidance and knowledge to help you and your employees gain financial independence.
Understanding our clients is the foundation for all of our work at BFS. We are committed to trust and transparency—essential values for developing and maintaining relationships that thrive. We dedicate ourselves to helping you reach your goals.
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ASD is working with the impact-led crowdfunding platform, SeedTribe, to raise investment for our projects. SeedTribe is part of the Angel Investment Network that is supporting introductions to investors for ASD's UK recycling facilities.
Liv Sibony is head of the platform and has a passion for impact investing and sustainability.
Liv joined the Angel Investment Network in December 2017 to launch SeedTibe, with a primary focus on impact investments. With a global network of over 160,000 registered investors, she is working to change the mindset of investors, showing them that it's possible to invest in businesses that focus on a social and/or environmental challenge while also ensuring they are profitable. Doing good business means focusing on the triple bottom line and will lead to much more sustainable businesses in the long term.
It is ASD's impressive track record that caught Liv's attention to bring them onto the platform along with the business addressing a problem that society can no longer avoid in this day and age: the pollution based around single-use plastic. Liv and her team were impressed by the work ASD has done to date and the fact that they have partnered with highly esteemed partners. SeedTribe are excited to be backing a team that is focused as much on the financial return as on the problem they are solving. Liv believes it's a perfect example of profit-for-purpose, where nothing is sacrificed.


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|Upcoming Cycle
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|Cairo – Cycle 12
|Dec 19, 2018
|Feb 15, 2019
|Jun 19, 2019
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|Jeddah – Cycle 9
Coming Soon
|Abu Dhabi
|AD – Cycle 4
Coming Soon
|Beirut – Cycle 4
|Dec 30, 2020
|May 15, 2019
|Jun 15, 2019
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|Tunis – Cycle 4
|Mar 15, 2019
|Apr 15, 2019
|Jul 15, 2019
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|Bahrain – Cycle 3
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Nujeed is the first Saudi online platform to bridge the gap between local private companies and employable Saudi talent. It offers a matching service whereby companies interact with job seekers in order to evaluate, and ultimately employ, top talent.
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Nujeed is a Saudi startup that currently caters to the local market with plans to grow regionally within the Arab world and beyond.


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Readers who have been reading our site for decades know that I have been raving about Bio Wash and Purely Green aka "Ted's Stuff" since the 1990s. This is an amazing and versatile product, a bio degradable nano degreaser that replaces all kinds of harsh chemicals. We have used it to spray our hemlocks in North Carolina for protection again the Wooly Adelgid blight. We use it for numerous reasons on our orange grove in Florida. We wash our dishes and floors and car and dogs. We have used this as our #1 cleaner at our hotel in Ecuador. This is a great product good for the environment and an amazing cleaner and more.
Yet no one had ever been able to describe what it was until recently when it became classified as a bio stimulant. (1)
The European Biostimulant Industry Council (2) has been promoting the biostimulant industry and the role of plant biostimulants in making agriculture more sustainable and to agree a sector definition of biostimulants:
The General Definition of Biostimulants
Agricultural biostimulants include diverse formulations of compounds, substances and other products that are applied to plants or soils to regulate and enhance the crop's physiological processes, thus making them more efficient. Biostimulants act on plant physiology through different pathways than nutrients to improve crop vigour, yields, quality and post-harvest shelf life/conservation.
Biostimulants foster plant growth and development throughout the crop life cycle from seed germination to plant maturity in a number of demonstrated ways, including but not limited to:
* Improving the efficiency of the plant's metabolism to induce yield increases and enhanced crop quality;
* Increasing plant tolerance to and recovery from abiotic stresses;
* Facilitating nutrient assimilation, translocation and use;
* Enhancing quality attributes of produce, including sugar content, colour, fruit seeding, etc.;
* Regulating and improving plant water balance;
* Enhancing certain physicochemical properties of the soil and fostering the development of complementary soil microorganisms.
What distinguishes biostimulants from traditional crop inputs?
Biostimulants operate through different mechanisms than fertilizers, regardless of the presence of nutrients in the products.
Biostimulants differ from crop protection products because they act only on the plant's vigour and do not have any direct actions against pests or disease.
Crop biostimulation is thus complementary to crop nutrition and crop protection.
I am proud to have helped create a Bio Wash bio stimulant distributor in Ecuador.
(1) Bio stimulant


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By BERNARD CARRAGHER
Modern in tone, but old fashioned in its setting, this fundamental split dooms this revival of Hedda Gabler.
Mary-Louise Parker has the craft and the emotional reserves to be a great Hedda Gabler, but all of her talent and artistry prove futile in the Roundabout Theatre's new - and critically maligned - production of the Ibsen classic.
Granted Hedda Gabler is one of the most difficult assignments for any actor to conquer. She makes Ibsen's A Doll House character Nora seem like an acting picnic. The late British critic Kenneth Tynan felt Hedda was the female equivalent to Shakespeare's Macbeth. Hedda really has more of a relation to a couple of characters in Ibsen plays that directly precede his writing of Hedda Gabler: Rebecca West in Rosmersholm (1886) and Ellida Wagner in The Lady from the Sea (1888), both complex and stifled women.
Recent actors who have taken on the Hedda challenge have had hit or miss results: Cate Blanchett in interviews several years ago before her run in the play at BAM had lots of interesting ideas about the role, but few reached the stage- Kate Burton, who had a short Broadway try as Hedda created only a surface outline of the character. The best Hedda I've ever seen was a German production directed by Thomas Ostermeier which played at BAM in 2006. It had a modern translation by Hinrich Schmidt-Henkel (English subtitles were provided by BAM) and was played in a glass house setting flanked by a hugh mirror so the audience could see all the goings on inside. Hedda was the young German actress Kartarina Schuttler- she played the role as a sexy nymph dressed in a t-shirt and draw-string trousers. The play ended with blasting Beach Boys music that buzzed the nineteenth century whiskers off Ibsen's play and sent it into a relevant new realm.
The Roundabout production makes the mistake of trying to modernize the play with a fresh, slightly edgy, new adaptation by the young playwright Christopher Shinn, while letting the director, the Englishman, Ian Rickson, who made The Seagull soar on Broadway last fall, keep the action stuck in Ibsen's archaically and stiff 1890 setting. Sadly these two sensibilities never merge and handicap the production and the actors and reduce Ibsen's play to an old fashioned melodrama. We first see Ms. Parker, deshabille, naked from the waist down, curled up in a make-shift bed, in the study off of the set's main drawing room. The image reminded me of Carroll Baker in Tennessee Williams' film Baby Doll. Married for just six months to the pedantic scholar Jorgen Tesman (Michael Cerveris) she seems to have abandoned husband and marital bed.
At 29, Hedda married because she felt her young life had been spent and Tesman was the safest kind of husband for a woman who wanted to get everything, in or out of marriage, while giving nothing.
Ms. Parker, slender and pale-skinned gives a youthful, child-like impression of Hedda even when she is plodding and plotting around in an array of beautiful grown-up gowns created by Ann Roth. Her Hedda is, as Ibsen writes, a monster of selfishness, the first neurotic heroine of modern drama. She is bored and frustrated-the wedding trip was dismally dull. Tesman's prospects for an academic promotion are suddenly dim. They have little money, the mansion he has bought for her is heavily mortgaged and all that faces her is living a life of genteel poverty which she hates. The other alternative -the thought of pregnancy terrifies and horrifies her. Then the only man she ever seemed to be seriously interested in, Ejlert Lovborg (Paul Sparks), a successful writer, arrives on the scene. Soon she discovers a silly schoolmate she despises, Thea Elusted, (Ana Reeder) has reclaimed and inspi


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Latitude: 51.7729 / 51°46'22"N
Longitude: -1.6557 / 1°39'20"W
OS Eastings: 423850
OS Northings: 208306
OS Grid: SP238083
Mapcode National: GBR 5T7.VL6
Mapcode Global: VHBZZ.8P1R
Plus Code: 9C3WQ8FV+5P
Entry Name: Bradwell Grove
Listing Date: 8 November 1985
Grade: II
Source: Historic England
Source ID: 1199047
English Heritage Legacy ID: 253429
Location: Broadwell, West Oxfordshire, Oxfordshire, OX18
County: Oxfordshire
District: West Oxfordshire
Civil Parish: Broadwell
Traditional County: Oxfordshire
Lieutenancy Area (Ceremonial County): Oxfordshire
Church of England Parish: Holwell
Church of England Diocese: Oxford
1/119 Bradwell Grove
Country house, now used as offices and staff flats for wild life park. 1804-10,
by William Atkinson for William Hervey, the builder being Richard Pace of
Lechlade. North service wing incorporates part of C18 wing of former Jacobean
house. Later C19 and C20 alterations and extensions. Coursed rubble limestone
with ashlar dressings and Welsh slate roofs. Square and octagonal ashlar chimney
shafts with moulded caps. In Tudor Gothick style on U-plan. 2 storeys. Embattled
parapets with moulded copings; slender set-back buttresses. Gothick fenestration
with 4-centre arched lights and wooden tracery, most windows with wooden glazing
bars. East front has tall 3-bay corner tower to left, 5 lower bays to centre,
projecting bay, possibly of slightly later date, to right, and late C19
extension to far right. Tower has corner finials with crockets and blind
tracery, 2-light casements with Tudor hoodmoulds to first floor, and 2-light
ground floor windows with Y-tracery, transoms, 4-centred heads and hoodmoulds.
Lower centre bays also have 2-light windows, but with horizontal glazing bars
only, and no hoodmoulds. The left of these bays has projecting single-storey
porch with battlements, buttresses, and double-chamfered 4-centred arch with
hoodmould. To right of this is a canted stair turret, part ashlar and part
rendered, with battlements and arched slit windows. Projecting bay to right of
range, slightly taller than centre, has traceried windows with 4-centred heads,
the lower of 3 lights, the upper of 2 lights. Late C19 bay to far right has no
battlements. South front has return of tower to right, a 3-bay centre, and a
slightly projecting bay to left with coped gable and more crocketed finials.
Ground floor fenestration altered late C19 to tall windows with hollow-chamfered
stone mullions and transoms, the centre windows of 2 lights with Tudor
hoodmoulds, the outer windows in rectangular bays with battlements. These bay
windows further altered C20 to incorporate pairs of glazed metal doors. Upper
storey of left bay also altered late C19 with 3-light stone mullion and transom
window replacing former traceried window. Centre bays retain early C19 2-light
casements with Tudor hoodmoulds at first floor level, and tower has matching
blind and painted window. To left of main range is early C19 orangery, now part
of cafeteria, in matching style, with coped parapet and 5 bays of 4-centre
arched windows. Windows contain 3-light Gothick sashes with ornamental leaded
glazing to upper frames. Half-glazed door to right with tall arched fanlight in
similar style, and stone shield above. Service wing to north has ordinary
2-light casements in plain stone architraves with beaded inner edges. Large C20
cafeteria extension along west side of house is not of special architectural
interest. Interior has simple early C19 Gothick detailing, with panelled doors
and battened ceilings, the south wing with rib-vaulted lobby on ground floor.
Stair has stone treads, wrought iron balustrade with gothick arching, moulded
wooden handrail, and Gothick panelled wooden newel posts. Ground floor rooms in
south wing have late C19 panelling and fireplaces. Billiard room extension to
rear of orangery is also late C19.
(Buildings of England: Oxfordshire: 1974, p490; House illustrated on trade card
of Richard Pace, Bodleian Library, M.S. Eng.Hist.c.298)
Listing NGR: SP2385008306
This text is from the original listing, and may not necessarily reflect the current setting of the building.
Book cover links are generated automatically from the sources. They are not necessarily always correct, as book names at Amazon may not be quite the same as those used referenced in the text.
Source title links go to a search for the specified title at Amazon. Availability of the title is dependent on current publication status. You may also want to check AbeBooks, particularly for older titles.
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IELTS coaching Gurgaon – Join the best Institute for IELTS Coaching
IELTS Coaching is a proficiency test which showcases that you have good command in the English language. The test shows proficiency in English writing and speaking. In IELTS coaching Gurgaon, you get preparation to crack this renowned exam. It is an acronym of the International English Language Testing System.
It is a proven language test it was first started 25 years ago and it still remains the top test for English language proficiency. You feel amazed to see the number that last year more than 29 lac students have taken this prestigious exam. If you are willing to work in English speaking countries or looking for overseas education than this exam is for you.
IELTS Coaching Institute in Gurgaon –
In this post, I am sharing the Top 10 IELTS coaching institute in Gurgaon so that you can enroll in the best institute for IELTS coaching, so let's start –
1. E-world
Reviews – 4.6/5 based on 151 Google reviews
Address: M-2, 1st floor, Old DLF Colony, Sector 14, Gurugram, Haryana 122001
Website – http://www.joineworld.com
2. Super Achievers
Reviews – 4.6/5 based on 159 Google reviews
Address: 333/33 Rajeev Colony, Main service road Near Allahabad Bank, Gurugram, Haryana 122018
Website – https://www.saaeonline.com/
3. US Education Resource Centre Gurgaon
Reviews – 4.0/5 based 7 Google reviews
Educational consultant in Gurgaon, India
Address: M-26, opposite SBI bank, Block M, Old DLF Colony, Sector 14, Gurugram, Haryana 122001
Website – http://useducentre.com
4. BRZEE Academy – BEST IELTS | PTE Center in Palam Vihar, Gurgaon
Reviews – 5.0/5 based 145 Google reviews
Address: SCO 63, (Above Pizza Hut) HUDA Market Palam Vihar, Behind HP Petrol Pump Sector 23 A, Gurugram, Haryana 122015
Website – http://www.brzee.academy
5. Brilliance – Best IELTS Classes in Gurgaon
Rating – 4.7/5 based on 22 Google reviews
Coaching center in Gurgaon, India
Address: English Speaking Classes in Gurgaon, Sector 6, Gurugram, Haryana 122001
Hours: Open ⋅ Closes 11 PM
6. Wizius Career –
Rating – 4.5/5 based on 74 Google reviews
Address: 43, Sector 14 Main Road, DLF Colony, Sector 14, Gurugram, Haryana 122001
Website – http://www.wizius.in
7. Ocean English Academy
Rating – 4.9/5 based on 105 Google reviews
Address: P- 67, 4th Floor, Sector -46 Gate no -1, Residency Green Near Unitech Cyber Park, Gurugram, Haryana 122003
8. Manya-The Princeton Review
Rating – 4.7/5 based on 111 Google reviews
Address: M-16, IInd Floor, Next to, Old DLF Colony, Sector 14, Gurugram, Haryana 122001
9. Facilitation Centre (IELTS training center in Gurgaon, India)
Rating – 3.9/12 based on 12 Google reviews
Address: House No. 33, Sector 47, Gurugram, Haryana 122003
10. Expert IELTS Coaching Gurgaon
Rating- 5.0/5 based on 2 Google reviews
Coaching center in Gurgaon, India
Address: 642, Sector 43, Gurugram, Haryana 122003
Hours: Open 24 hours
I hope you have now some idea about The institute which is offering the IELTS coaching Gurgaon. In case you find any difficulty in finding the coaching institute address, contact number or anything else than feel free to contact us.
Q. What are IELTS coaching fees in Gurgaon?
A. The fee of IELTS coaching in Gurgaon ranges between 8,000 to 15,000 depends on the location and duration of the course.
Q. Is there any IELTS coaching in Gurgaon sector 14?
A. Yes, US Education Resource Centre, E-world are some IELTS and PTE coaching institute near sector 14 Gurugram.


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- Anti-microbial to keep your feet clean and fresh all day


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Create an Account - Increase your productivity, customize your experience, and engage in information you care about.
Beginning June 4, 2020, the Town of Black Diamond will be revising the garbage collection schedule by changing collection days from Thursdays and Fridays to Thursdays only.
This change comes after the Town's Council agreed to participate in the Town of Okotoks' proposal to collect and dispose of its solid waste through a regional garbage collection pilot project that will run from June 4 to November 30.
This pilot program reflects recommendations in the Regional Solid Waste Management Plan (RSWMP) to regionalize waste service collection and receive assistance from Okotoks with our servicing gaps.
Residents with inquiries can contact the Town of Black Diamond at (403) 933-4348.


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The sleek BAR USB-C hub that turns a single USB-C into 6 ports.
6-in-1 USB-C Hub
Turns a single USB-C port into 6 ports (4K30Hz HDMI, USB-C Power Delivery, 2 x USB-A, Micro SD, SD)
High-Resolution 4K HDMI
Experience crystal clear 4K30Hz HDMI video on compatible 4K monitors for brilliant high-resolution display. Requires a direct HDMI to HDMI connection.
USB-C Power Delivery
Supports USB-C pass-through charging. Allows USB-C device to be charged while using the USB-C hub at the same time.
Convenient Expansion Ports
Additional two USB-A 3.0 ports, microSD and SD memory card slots for quick data transfer.
Slim & Compact
Sits flush with the MacBook Pro/Air
MacBook Matching Design
Precision milled aluminum enclosure, available in Space Gray and Silver, with the same color, appearance and design lines as the MacBook Pro/Air.
Compatible Devices
MacBook Pro 2016-2020
MacBook Air 2018-2020
Does not support Apple SuperDrive
USB ports will not charge an iPad
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Annapolis Sinking Update! January 13th 2015
We received this letter today from the ARSBC about the scheduled sinking on the 17th of January of the HMCS Annapolis.
"As you are aware, the ARSBC made arrangements for the sinking of the Annapolis to proceed on January 17, 2015. Unfortunately, a group of citizens from Halkett Bay has recently commenced legal proceedings to challenge the validity of the ARSBC's permit from Environment Canada. They have asked the Court to prohibit the ARSBC from carrying out the sinking until the full legal proceeding is completed. Yesterday afternoon the Court made a temporary order prohibiting the ARSBC from carrying out the sinking until a full court hearing can be held to determine the of issue of whether the project will be delayed to allow for a full review of the Environment Canada permit. That Court hearing is scheduled for January 27th. It is possible that we will be able to proceed with the project shortly after January 27th, but at this point we are in the hands of the Court and it is not totally clear when we will be able to re-schedule the sinking.
I apologize for this late change of plans. I assure you that the ARSBC is doing everything it can to move matters along to successfully complete this project.
R. A. (Rick) Wall
ARSBC Director
ANNAPOLIS Project Naval Liaison"
This is the information we received on the 5th of January 2015.
A press announcement was released today by the Artificial Reef Society of British Columbia stating that "we are moving forward with plans to sink the former HMCS Annapolis, a 366 foot (110 meter) helicopter-carrying destroyer- escort to create an artificial reef in Halkett Bay Marine Provincial Park on Gambier Island, British Columbia."
This Annapolis has been being prepared for the better part of four years and will be one of the cleanest artificial reefs known in the world. There will be two steps to the sinking of the ship. Step one will have the ship towed from Long Bay, also known as Port Graves, to neighbouring Halkett Bay on January 13, 2015 for anchoring over the sink site. Final preparations will be made before sinking on Saturday January 17, 2015. The sinking is expected to take place in the late morning and is a weather dependent event, we advise watching our web site for updates. The viewing public is welcome to attend via watercraft from an establish stand-off distance.
Howie Robins, President of the ARSBC, commented:
"We are deeply appreciative to all our volunteers for their hard work and dedication to the Project. And a special thanks to the many who remained confident in our determination during the more difficult periods of the Project".
A large number of photos including examples of undersea life and previous projects can be found on the ARSBC website at www.artificialreef.bc.ca.


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Effective Date: February 12, 2020
Treedom Tools' mission is to leverage technology to remove the administrative difficulty involved with volunteer activities and maximize its collective impact. To protect the privacy of students and other individuals who use our Service (as defined below), we operate according to and users shall comply with this Privacy Policy ("Policy"). Specifically, except as otherwise described in this Privacy Policy:
This Policy governs the use of data collected by our websites at www.treedom.co and the Treedom Tools Application (collectively "Service" or "Treedom Tools"). This includes personally identifiable information that we collect when an account is created ("Account Information"), content is added to a profile ("Profile Content"), events ("Events") or groups ("Groups") are created by teachers, counselors or schools, and messages ("Messages") are sent via Treedom Tools. Any data collected by Treedom Tools that may be related to an individual student is considered "Student Data."
Prior parental or legal guardian consent is required before any student may use Treedom Tools. Prior parental or legal guardian consent may be obtained by teachers, counselors and schools in several ways:
Account Information: We collect a student's name, email address, password and profile picture when an account is created. We may also collect a student's telephone number if it is entered. This personally identifiable information may be entered by a teacher, counselor, school or student, or populated from the student's account with a third party sign-in service such as a Clever account.
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We also collect comments on posts in a student's profile which may be text. Profile Content that is uploaded by a student, teacher, counselor or school may be considered a student education record as defined by FERPA.
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Communications: Treedom Tools collects any information a student sends to us directly, such as email communications.
Log Data: When a student uses our Service, we receive log data such as your IP address, browser type, operating system, device information and your mobile carrier. In addition, we may receive or collect additional information such as the referring web page, referring search terms and pages visited. If Treedom Tools is used by a teacher, counselor, parent or school administrator, Treedom Tools may use his or her IP address to determine his or her approximate location for the purposes of sending to him or her customized marketing and other information about our products.
We only use this information to improve our Service. For example, we use this collected information to:
A student may withdraw consent for the collection of his or her personal information at any time, and also may decline marketing communications from us, by providing written notice to us.
We do not share Student Data for advertising or marketing purposes, or allow data collection by third-party advertisers or data brokers. We do not allow in-app purchases for student accounts.
We do not sell or otherwise share Student Data with any third parties, except for the limited purposes described below:
Treedom Tools analyzes aggregate and use data to improve our Service and further our development. To help us analyze this data, we use a small number of third-party services. These services are contractually obligated only to use data about your usage of Treedom Tools to provide analytics services to us. These services are prohibited contractually from sharing or using Student Data for other purposes.
We also use third-party conversion tracking services only to understand if a teacher or counselor signs up for Treedom Tools after seeing an advertisement for Treedom Tools. None of the data a student shares with Treedom Tools (i.e., Account Information or Profile Content) is shared with these services.
Cookies are small text files that we transfer to a student's web browser that allow us to identify the web browser and store information about a student's account. We use these cookies to keep a student logged in to Treedom Tools, customize the student's experience, understand the student's use of our Services, and promote our Service to teachers, counselors and schools. A student may choose to disable cookies in his or her browser settings. Please be aware that Treedom Tools will not work properly if the cookies and disabled or declined.
Web beacons are electronic images that can be used in the Service or emails. We use web beacons to deliver cookies, track the number of visits to our website, understand usage and campaign effectiveness, and determine whether an email has been opened and acted upon.
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A student has the right to access, correct, delete or download for transport to a similar service any of his or her personal information collected by Treedom Tools. A parent or legal guardian may correct, edit, download or update information in his or her child's account by contacting either the relevant teacher, counselor or school directly, or us at [email protected]. A parent, legal guardian, teacher or counselor may update the information in his or her Treedom Tools account either directly by logging into his or her Treedom Tools account and viewing the Account Settings tab on the profile, or by contacting us at [email protected].
If you would like to delete your Treedom Tools account or any content submitted to Treedom Tools, please send an email to [email protected]. If you are a teacher, counselor, or school administrator, please be aware that FERPA requires us to retain student education records once a valid request to inspect those records has been made.
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Please contact us at: [email protected]
Treedom Tools Inc.
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A PERFECT 2-0 night in the NCAA FB action and we ended up picking up our MEMBERS another +2 UNITS on the day overall in ALL SPORTS!!
We are once again rolling and we are looking forward to another MONSTER WEEK OF FOOTBALL action!!
And we have now swept the board through the Thursday and Friday night plays, going a PERFECT 3-0 ATS!!
But Saturday is going to be even bigger!! Are you ready!! You are if you are locked in with PORT PORT SPORTS!!
And how about a PAIR OF FREEBIE PLAYS to kick it all off?!
This spread seems way out of whack as there should be a good chance at Temple pulling off the outright upset in this one, but we'll take the TD difference here and watch this one end up being decided by somewhere around 4-points, that is unless the Owls just blow them off their own field altogether, which is also possible. These two teams have played 6 times since 2006 and Penn State has owned the series, going 6-0 ML in that span, but Temple has managed to go 3-0 ATS in the L3 meetings, including last year's cover as the same +7-point dogs, when they lost 14-10. The Owls also come in off a disappointing loss in their last game to Maryland at home, losing 36-27 as the -8 point favorites in that one. Perhaps they were looking ahead to this match-up, but either way, Penn State should have a much tougher task in this game than they had last week, when they blew Navy off the field, 34-7. The Nittany Lions suffered a couple of tough luck losses in their first 2 weeks before that, as they were beaten by Virginia, 17-16, with a donked FG off the uprights, and they were man-handled by Ohio in their season opener, 24-14. Temple has averaged 34 PPG so far to kick off the season, which could be trouble for this Penn State team, as they have only scored as many as 34 points in a game one time this season. The keys to this game are going to revolve around whether or not Temple can get their running game established early, as they come into this one rushing for an average over 175+ YPG on the ground, while Penn State allows an average over 150+ YPG on the ground themselves. Although, the Nittany Lions did also allow Navy to rush for 255 yards in their last game and they still held them to 7 points and defeated them by 27 in the end, so we obviously will need the Temple defense to come up huge here as well. That might come down to whether or not the Penn State passing attack can get the offense running, but they won't have an easy task as the Owls are allowing an average of only 170 YPG against them in the air so far and kept a very similar Maryland passing game to only 190 yards last week, although Temple also lost that game by 9 in the end. The Owls have been playing well during the opening month for the most part in recent years as they come into this meeting on a current 6-1 ATS run during the month and get to face off a Nittany Lions team that has struggled during the month of September in recent seasons, as they have posted a dismal 3-13 ATS in their L16 games played in the month. Penn State is also currently 2-7-1 ATS in their L10 games on their own home field and an equally bad 2-7 ATS in their L9 non-conference games. Temple is the exact opposite there as well, going 4-1 ATS in their L5 games against non-conference foes. Penn State is also a paltry 1-8 ATS in their L9 games played against teams from the Big East Conference and they are 0-4 ATS in games following a 20-point blowout victory. Obviously this isn't the Penn State team that we all grew up with knowing and we expect a game similar to last year's showdown, when the Nittany Lions won by 4 points. Go with the TEMPLE OWLS in today's in-state match-up........
Florida has been absolutely money this season and should come into this match-up ready to blow the doors off their friendly rivals once again today. Florida has quite predictably, owned Kentucky in recent meetings, the two schools have met every season (22 times) since 1990 and the Gators own a perfect 22-0 ML record in that span. Kentucky hasn't even been close in the L4 meetings as the Gators have crushed them by final scores of 48-10 (2011); 48-14 (2010); 41-7 (2009) and 63-5 in 2008. Thus the combined total scoring margin by the Gators in that span: 200-36. And this Gators team is playing with a renewed sense of dominance, absolutely blowing out Tennessee in last week's contest, outscoring the Volunteers 27-6 in the second half en route to an easy box-score victory, 37-20. Driskell made me eat the words in my write-up as I called him a mere game manager, and although he was unspectacular, he did put up a 16-for-20 passing display for 219 yards and 2 TD with 0 INT. Now I expect him to have a real break-out game here today against a Wildcats defense that for the most part had played a little better than expected in the secondary this season and is allowing only 211 YPG in the air against them. They have been eaten up on the ground against the likes of weaker competition like Western Kentucky, Kent State and Louisville, with all 3 schools rushing for an average of 188 YPG against them, with 5 running backs alone rushing for over 75 yards against them, and 3 rushers (2 from Louisville, one from Western Kentucky) gaining over 100+ yards on the ground against them in one game. Not surprisingly they have lost both the Louisville and Western Kentucky games, two games in which they were out-rushed by a combined total of 249 yards by the two schools. Florida might out-gain them by that in today's game alone. Florida's star running back, Gillislee, has been a super-stud out of the backfield this season, rushing for at least 83 yards or more in all 3 games this season, and leading a Florida rushing attack to a 232 YPG average on the ground so far this season. He rushed for 115 yards against the vaunted Volunteers defense last week and had rushed for 148 yards in the season-opener against a weak Bowling Green squad, a defense that is allowing an average of 270+ YPG on the ground so far this season. Florida has scored 41 points or more in each of the L5 meetings and in 14 of the L18 meetings overall between the two schools. Kentucky on the other hand has been held to 10-points or less in 3 of the L4 meetings between them and 4-of-6 as well. Nothing here makes me believe this result will be any different. Again, the Gators have won the L4 meetings between the two schools by a combined score of 200-36, or an average score of 50-9. Either way you slice it, it would be well above this generous 23-point number. Before their loss against the -28-point spread against Kent State earlier this season, the Gators were a perfect 9-0 ATS in previous games where they were favored by a number in the 20's. Kentucky hasn't had a spread that high this season, but they were 0-3 ATS dating back to 2008-2009 on spreads that were in the +20 - +29 range. Kentucky was also beaten by 18 at Louisville last week, and they have lost by 28 or more points in 3 of their L5 on the road dating back to last season. Also, the last time the Gators used the Wildcats as a tune-up game before their bye week was back in 2009, and as -20.5 favorites, the Gators completely dominated the Wildcats, 41-7, although that was back in the Tebow days. But these team is looking just as tough to beat. I will take them laying the points. Take the FLORIDA GATORS to COVER as the big home favorites in this early morning match-up to kick off our Saturday.......
There you have it!! TWO HUGE FREEBIE PLAYS to kick off your SUPER SATURDAY in MONSTER FASHION!!
And we still have a lot of action on the board for the afternoon games, so cash in on these WINNERS and then get on board for the rest of the afternoon!!
Best of luck to all today!! But as our MEMBERS know, if you are rolling with PORT PORT SPORTS, you don't need luck!!


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Last week, the European network of International Financial Institutions (EuroIFInet) watchers met in Brussels for their biannual strategy meeting. The meeting offered the chance for representatives from 20 European non-governmental organisations (NGOs) to share information updates and to coordinate actions ahead of the World Bank and International Monetary Fund (IMF) spring meetings, which are due to take place from 19 to 21 April 2013 in Washington, DC.
This year, Eurodad hosted the meeting of this informal but active network of NGOs together with the Belgian-based National Centre for Cooperation and Development (CNCD). Two participants from the global south, Aly Sagne from Senegal (Civil Society Coalition on the African Development Bank) and Sukhgerel Dugersuren from Mongolia (OT Watch) shared their experiences with European colleagues.
The network discussed the ongoing review of the World Bank's environmental and social safeguards policies, as well as its implications for specific sectors such as procurement, land tenure and the environment. Several sessions revolved in particular around the reaction of civil society organisations (CSOs) to a recent audit on the environmental and social impacts of financial investments through the International Finance Corporation – the World Bank's private sector lending arm.
Issues related to the private sector were also addressed during the meeting through discussions about CSO concerns regarding the World Bank's Doing Business Review and regarding the operations of the European Investment Bank and the European Bank for Reconstruction and Development, including in the energy sector.
These issues will be among the topics discussed during official sessions of the World Bank and IMF spring meetings and the corresponding back-to-back Civil Society Policy Forum, which will take place between 17 and 20 April 2013.


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Written quotations are available upon request for orders that specify details, i.e., quantity and required delivery date(s), and shall be in effect for sixty (60) days from the date a written quotation is sent.
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Peter Mensah (1959 - )
Films Deaths[edit | edit source]
- Jason X (2001) [Sgt Brodski]: Incinerated when he enters Earths orbit by sacrificing himself to take down Kane Hodder (who he is struggling) with him.
- Tears of the Sun (2003) [Terwase]: Burned to death/killed in an explosion (along with Malick Bowens and the rest of his remaining death squad) after Bruce Willis and Eamonn Walker calls in an air strike to drop napalm on the surrounding area.
- Hidalgo (2004) [Jaffa]: Shot in the chest/torso and stomach (having first been stabbed) by Adam Alexi-Malle. He manages to kill Adam by hurling a spear into his back before dying.
- 300 (2006) [Messenger]: Kicked down a pit by Gerard Butler.
TV Deaths[edit | edit source]
- True Blood: Sunset (2012) [Kibwe]: Dies when his head is knocked off by Stephen Moyer causing his body to explode.
- Spartacus: War of the Damned: Wrath of the Gods (2012) [Oenomaus the Doctore]: Stabbed in the stomach during a duel. He dies in Dustin Clare's arms.
- Agents of S.H.I.E.L.D.: The Force of Gravity (2018) [Qovas]: Killed in an explosion when Ming-Na Wen and Jeff Ward redirect the missiles Peter fires from his ship to hit his ship instead.
Gallery[edit | edit source]
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