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This is a brief explanation of some of the terms you may come across in insolvency proceedings. Please note that this glossary is for general guidance only. Many of the terms have a specific technical meaning in certain contexts that may not be covered here.
Administration order : An order made in a county court to arrange and administer the payment of debts by an individual; or an order made by a court in respect of a company that appoints an administrator to take control of the company. A company can also be put into administration if a floating charge holder, or the directors or the company itself file the requisite notice at court.
Administrator: An Insolvency Practitioner appointed by the court under an administration order or by a floating charge holder or by the company or its directors filing the requisite notice at court.
Administrative receiver : An Insolvency Practitioner appointed by the holder of a debenture that is secured by a floating charge that covers the whole or substantially the whole of the company's assets. The IP's primary duty is to realise those assets on behalf of the debenture holder.
Administrative receivership: The process where an Insolvency Practitioner is appointed by a debenture holder (lender) to realise a company's assets and pay preferential creditors and the debenture holder's debt. The right of a debenture holder to appoint an Administrative Receiver has been restricted by the Enterprise Act 2002.
Annulment: An action which is made void by the court, so the Company/individual is put back to the position they were in prior to the action taking place.
Assets : Anything that belongs to the Company/debtor that may be used to pay their debts.
Bankruptcy restrictions order or undertaking: When a bankrupt has failed to cooperate or has been dishonest or are to blame for their debts, a court order may be made against them or the bankrupt may give an undertaking to the Secretary of State which will mean that bankruptcy restrictions continue to apply after discharge for a period of between two to fifteen years.
Charge: Security interest taken over property by a creditor to protect against non-payment of a debt (such as a mortgage).
Company Directors Disqualification Act 1986: An Act of Parliament about the disqualification of directors.
Compulsory liquidation: Winding up of a company after a petition to the court, usually by a creditor.
Contributory: Every person liable to contribute to the assets of a company if it is wound up. In most cases this means shareholders who have not paid for their shares in full.
Creditor: Someone owed money by a Company or bankrupt.
De Facto director: A person who, without being formally appointed, gives instructions on which the directors of a company are accustomed to act.
Debenture: A document in writing, usually under seal, issued as evidence of a debt or the granting of security for a loan of a fixed sum at interest (or both). The term is often used in relation to loans (usually from banks) secured by charges, including floating charges, over companies' assets.
Director: A registered person who conducts the affairs of a company.
Disqualification: A procedure whereby a person has a court order made against them or gives an undertaking to the Secretary of State which makes it an offence for that person to be involved in the management or directorship of a company for the period specified in the order (unless leave has been granted by the court).
Dividend: Any sum distributed to creditors in an insolvency.
Fixed charge: A charge held over specific assets. The company/debtor cannot sell the assets without the consent of the secured creditor or by repaying the amount secured by the charge.
Floating charge : A charge held over general assets of a company. The assets may change (such as stock) and the company can use the assets without the consent of the secured creditor until the charge "crystallises" (becomes fixed). Crystallisation occurs on the appointment of an administrative receiver, on the presentation of a winding-up petition, or as otherwise provided for in the document creating the charge.
Guarantee: An agreement to pay a debt owed by a third party. It must be evidenced in writing for it to be enforceable.
Liabilities: Debts owed by a Company/individual
Liquidation (winding up): Applies to companies or partnerships. It involves the realisation and distribution of the assets and usually the closing down of the business. There are three types of liquidation – compulsory, creditors voluntary and members voluntary.
Liquidator: The Official Receiver or an Insolvency Practitioner appointed to administer the liquidation of a company or partnership.
Member (of a company): A person who has agreed to be, and is registered as, a member, such as a shareholder of a limited company.
Nominee: An Insolvency Practitioner who carries out the preparatory work for a voluntary arrangement, before its implementation.
Officer (of a company): A director, manager or secretary of a company.
Official Receiver: An officer of the court and civil servant employed by The Insolvency Service, who deals with bankruptcies and compulsory company liquidations.
Petition: A formal application made to a court.
Preferential creditor: A creditor who is entitled to receive certain payments in priority to floating charge holders and other unsecured creditors. These creditors include occupational pension schemes and employees, for certain parts of the claim.
Proof of debt: A statutory form completed by a creditor in a liquidation or bankruptcy to state how much is claimed. The form is supplied by the Liquidator or Trustee.
Provisional liquidator: Official Receiver/Insolvency Practitioner appointed to preserve a company's assets pending the hearing of a winding up petition.
Proxy: Instead of attending a meeting, a person can appoint someone vote on their behalf – a 'proxy'.
Proxy form: Form that must be completed if a creditor wishes to vote or appoint a representative to vote at a creditors' meeting/virtual meeting and vote on their behalf.
Public examination: When a company is being wound up or in bankruptcy proceedings, the Official Receiver may at any time apply to the court to question the company's director(s) or any other person who has taken part in the promotion, formation or management of the company or the bankrupt.
Realise: Selling an asset or disposing of it to raise money.
Receiver: The commonly used name for an administrative receiver. The term can also mean a person appointed by the court or with the power to receive the rents and profits of property. Receivers who are not Administrative Receivers do not need to be insolvency practitioners.
Receivership: A company in administrative receivership.
Rescission: A procedure that cancels a winding-up order.
Release: The process by which the Official Receiver or an Insolvency Practitioner is discharged from the responsibility of office as Liquidator, Administrator or Trustee.
Secretary of State: The Secretary of State for the Department for Business, Energy & Industrial Strategy
Secured creditor: A creditor who holds security, such as a mortgage, over a Company's/person's assets for money owed.
Statement of affairs: A document completed by a company officer/ director(s)/ bankrupt stating the assets and liabilities.
Supervisor: An Insolvency Practitioner appointed to supervise a company voluntary arrangement.
Unsecured creditor: A creditor who does not hold security (such as a mortgage) for money owed.
Voluntary liquidation: A method of liquidation not involving the courts or the Official Receiver. There are 2 types of voluntary liquidation – members voluntary liquidation for solvent companies and creditors voluntary liquidation for insolvent companies.
Winding up order: Order of a court, usually based on a creditor's petition, for the compulsory winding up of a company or partnership.
If you have any questions or require further information about the services we offer, please contact us on 01302 342875.


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Mar 15, 2018
from 01:00 PM to 03:00 PM
|The Maxwell Centre, Cavendish Laboratory, JJ Thomson Ave, Cambridge, CB3 0HE
|Contact Name
|Almarie Williams
|Add event to calendar
Launch Event of the Economics and Data Science Special Interest Group (SIG)
Pradeep Debata, MPhil (Cantab), MBA (Judge), FCCA (Banker, Ex-JPMorgan; Director, Accelerate East; Business Mentor at the Entrepreneurship Centre at Judge)
2017 has been a game changing year for crypto-currencies. The year started with ~$18 billion worth of crypto-currencies with Bitcoin accounting for 87 percent and ended with ~$572 billion worth of crypto-currencies with Bitcoin accounting for about 39 percent of that value.
At the same time Initial Coin Offering (ICO) market has emerged as a major fund raising platform with $3 billion raised in 2017, with notable transactions such as KIN by KIK social messaging platform raising $100m and opening the door for mainstream firms. Recent news includes Telegram planning a $1 billion + ICO and Kodak developing a photo based coin.
Cryptocurrencies and ICOs will be in headlines throughout 2018.
In this talk, we will follow this trend in more depth and look at the opportunities it opens up for tech start-ups in Cambridge cluster.
There is no registration fee to attend this event, however, registration is ESSENTIAL.
To attend this event, please Register here. Deadline for registration is Sunday 11th March 2018.
Economic And Data Science SIG
The Economic and Data Science Special Interest Group is part of the Cambridge Big Data Strategic Research Initiative (CBD).
It was inspired through the talk of Jonathan Shaw on the HSBC and Alan Turing Institute collaboration, at the Cavendish Laboratory in 2017.
We aim to watch events and follow techniques. So as to contribute to interdisciplinary research and advancement of the science within the University. And within Cambridge more broadly. Perhaps aiming, also, for some original research outputs.
Professor Vasco Carvalho (Faculty of Economics) is the Academic Chair of this Special Interest Group, and Mr Mark Reader (Land Economy) is the organiser.
To join the group please complete the short subscription form here.

subset: commoncrawl


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The First Give Away
Fill out the following information after liking The Give Away Post and then sharing your favorite blog post on Instagram and tagging a friend to join in!! Tell me about yourself in the comment box. Give Away will end on Feburary 28th. Give Away: A notebook and pen for all your thoughts and your journey… Continue reading The First Give Away


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Validea is an advisory service which assesses stocks based on the investing criteria of many of the ...
There is No Fed Endgame
11/05/2013 12:00 pm EST
Focus: STRATEGIES
Whenever tapering begins, the Federal Reserve will still face the bigger challenge of unwinding its $4 trillion balance sheet, writes MoneyShow's Jim Jubak, also of Jubak's Picks, and he feels that will shape the market and economy for years to come.
The financial markets are focused on guessing when the Federal Reserve will begin to reduce its $85 billion a month in asset purchases.
A move to buy fewer Treasurys and mortgage-backed securities—say, $70 billion to $75 billion a month as a first stage, instead of the current $85 billion a month—would lead, the market fears, to a rise in US interest rates and a stronger dollar that would provoke a selloff in global markets.
The consensus now says this tapering won't begin until March 2014 at the soonest, although the Fed's press release, after the October meeting of its Open Market Committee, led to a pickup among traders and investors in votes for January 2014.
The Federal Reserve itself, however, has moved on in its worries and plans. While the timing of any taper remains an unsettled issue, planning at the Fed is now concentrating on the endgame.
After building up its balance sheet to a record $3.84 trillion—including $2 trillion in Treasurys and $1.4 trillion in mortgage-backed securities—the big question, and the one with much more impact in the long-term on the US and global economies and financial markets, is how does the Fed sell these assets so it can cut its balance sheet back to normal levels?
The startling answer, that's starting to emerge from studies by the Fed's own economists, is that selling these assets isn't an option. There is no quick exit strategy for the Fed, these studies argue. The Fed—and the US economy—will be stuck with its current, (nearly $4 trillion) balance sheet for a decade or more.
And that means this Fed-driven market will be with us for years to come. Here's why, and what it means to investors.
The massive expansion
Remember that before the financial crisis, the Fed's balance sheet totaled less than $1 trillion. (In August 2007, the Fed held just $785 billion in securities of all kinds.) That has changed for the foreseeable future. As late as 2025, these studies say, the Fed will still be holding a substantial portion of the assets that it owns today.
The Fed owns so much of some classes of assets that it has become the market for those assets. Any significant effort to sell these assets would send prices down and yields up, producing big losses for the Fed.
The political effect of those losses, which would end the Fed's current contribution to the US Treasury, would be something close to a rebellion in Congress.
Therefore, the Federal Reserve really has no option, these studies say, but to hold these assets until they mature in seven, or ten, or more years.
That's the best endgame strategy open to the Fed.
Which is really frightening to me, because that strategy has, really, no endgame at all. The likelihood that the global financial system will give the Fed ten quiet years to sell down its portfolio, without a crisis that requires new purchases to backstop another financial crisis somewhere in the world, is just about nil.
I don't expect the Fed to ever say it, but these studies add up this conclusion: There is no endgame for the Fed.
Let me take you quickly through the Fed's studies of the available strategies for its balance sheet, and then suggest the effects of a lack of an endgame on the global financial system and economy.
Budgetary, political impacts
The most recent studies from the Fed's economists focus on the central bank's portfolio of mortgage-backed securities. But I think the conclusions of these studies also apply to the central bank's portfolio of Treasurys.
The newest study is a revision of a truly scary paper published in January by economists at the Fed. The January study calculated that rising interest rates—a result of the success of the Fed's policies to strengthen the economy, of the end to the Fed's program of asset purchases and of asset sales by the Fed to reduce its balance sheet—would produce unprecedented losses in the Fed's portfolio. (Rising interest rates would lower the price of existing Treasurys and mortgage-backed securities held by the Fed. For example, the price of today's ten-year Treasurys would fall by about 2% if yields rose to 2.8% from today's 2.6%. A 2% loss is big money if you hold $2 trillion in Treasurys. Holders of Treasurys are already looking at a loss of about 4.5% in 2013.)
Those losses would have a huge impact on the politics of the US budget. Last year, the Fed earned a profit of $88.4 billion, with about $68 billion of that coming from income from its holdings of Treasurys. That money finds its way in the US Treasury, helping to reduce the US budget deficit. If interest rates rise, and the Fed is looking at losses, instead of income from its portfolio, those payments would come to an end—for as long as six years, the Fed's January study concluded.
A second paper in February looked at some of the political consequences of the end of those payments to the Treasury. The Fed's grip on policy may weaken, if losses from its portfolio coincide with a high US budget deficit and continued disagreements over the budget between the White House and Congress. It would be only reasonable to assume, in my opinion, that big portfolio losses at the Fed, that ended the Fed's payments to Treasury, would increase the already considerable opposition to Fed policies in Congress.
The Fed is aware of efforts to constrain its independence, such as Kentucky Republican Senator Rand Paul's proposed legislation requiring a Fed audit. Showing big portfolio losses in this atmosphere isn't exactly a way to win friends and influence people.
NEXT PAGE: The waiting game|pagebreak|
The waiting game
All this was part of the reason that Fed chairman Ben Bernanke said last June that the central bank had abandoned its plans to eventually and gradually sell off the $1.4 trillion in mortgage-backed securities it held. Instead the bank would hold those assets until they matured.
Now a new Fed study has looked at the effect of holding mortgage-backed securities to maturity on those payments to the Treasury. That strategy would keep annual payments to the Treasury at something like their current elevated levels through 2015 before they began to decline. The trough in payments to the Treasury would come in 2018 at $17 billion. That's obviously a big reduction from the recent $88 billion, but it's not all that much below the annual average of $25 billion in the decade before the financial crisis.
These studies have focused on the Fed's $1.4 trillion portfolio of mortgage-backed securities because their prices are much more sensitive to changes in interest rates. The interest rates on the mortgages that these assets are linked to have been on a huge march upward recently and have the potential to climb much, much higher. The average 30-year fixed-rate mortgage hit a low of 3.31% in November 2012. The rate on that mortgage is now up to 4.13%. But that's still well below the average of 7.66% over the last three decades.
But I think it's only a matter of time before the Fed extends its logic to its holdings of Treasurys. The yield on the ten-year Treasury note is tracing a similar course to that on mortgage-backed securities, although a stuttering economy could send yields back down. The yield, which hit a 2013 low of 1.63%, had climbed to 2.6% as of November 1, but is being projected to fall to 2.25% if the economy slows before it moves back up toward 2.8%. That would give the Fed more time to figure out an endgame.
But it's hard for me to see how the logic that applies to the Fed's portfolio of mortgage-backed securities doesn't, at some point, apply to its portfolio of Treasurys. The Federal Reserve now owns 50% of all Treasurys maturing between ten and 15 years, according to Peter Tchir of TF Market Advisors.
Yes, the Treasury market is the most liquid in the world, but, no, the Fed won't be able to sell a $2 trillion portfolio of Treasurys without pushing interest rates higher and thus increasing its own portfolio losses.
I think it is just a matter of time before the Fed announces an intention of holding to maturity in its Treasury portfolio.
What are the effects of a policy of holding to maturity?
I can think of three.
Short-term reassurance, long-term doubts
First, I think the markets will, initially at least, find the policy reassuring. It will remove a worry that the Fed will quickly ratchet up US interest rates. And while a Fed policy of holding a big portfolio of Treasurys and mortgage-backed securities doesn't add more stimulus to the global financial markets, it certainly isn't the tightening that the sale of this portfolio back into the financial markets would represent. (When the Fed buys bonds in the public markets, it increases the money supply by paying the holders of those bonds with money it has created. When the Fed sells those bonds back into the public markets, it is withdrawing the money it receives from the sale of those bonds.)
Second, if the Fed doesn't reduce its balance sheet substantially for a long period of time, it does reduce the resources it has to put to work in the next crisis. The Fed is, like it or not, the lender of last resort in any global financial crisis, and its ability to play that role depends on its ability to create liquidity and on the markets' faith that it will be able to play that role. The Fed's studies of the mortgage-backed securities market and possible hold-to-maturity strategies calculate that even by 2025, the Fed would still own $407 billion in mortgage-backed assets. That would be a big reduction from the current $1.4 trillion, but it is still $407 billion more in these securities than the Fed held before the last crisis. A hold-to-maturity strategy would also result in the Fed's portfolio remaining stuffed with Treasurys for a decade or more.
I think that will make markets jumpier in the next crisis. Investors and traders will have doubts about the Fed's ability to backstop the markets that they didn't have (or at least not to the same degree) in the global financial crisis. The odds are, then, that a hold-to-maturity strategy will increase market volatility in the next crisis.
Third, I think a hold-to-maturity strategy will distort the markets. We can already see that at work in the corporate bond market. With the Fed holding such a large percentage of ten to 15-year Treasurys, institutions, such as pension funds, and insurance companies that need longer maturities to balance their longer-term obligations, have been forced into the corporate market, with the effect of lowering yields for corporate debt in those maturities. That's one reason that companies have been issuing so much debt at these maturities—interest rates are low.
The effect of this, of course, has been to enable companies to refinance higher coupon debt at lower costs, and to add the savings to their bottom lines at a time when timeline revenue growth has faltered.
Those savings on interest payments are real, but they don't have the same long-term benefit to investors as sales growth does.
And the availability of cheaper money puts stress on corporate executives to avoid investments in capacity that are cheap to finance but that don't, in reality, have an attractive return on investment. We can see the dangers of cheap money and wishful thinking about demand in the mining industry at the moment. I don't think this will be the last sector, however, to get lured into capacity expansion that doesn't make investment sense but that is attractive because of low rates in the financial markets.
I also would expect that, gradually, a hold-to-maturity strategy would gradually raise fears of the price moves that make up inflation in the real world and asset-bubbles in the financial world. The dangers of asset-price bubbles increase if the central bank policies continue to have such negligible effects on real demand.
The era of the Fed
For the last few years investors have been living through the effects of massive expansion of central bank balance sheets. Some of us have hoped that we were headed back to something like pre-financial-crisis normal. That seems delayed, at the least.
And it increasingly looks like, rather than a return to normal, we're headed to a new stage in the saga of markets dominated by central-bank cash flows.
And, to me, unfortunately, this new stage looks like unexplored territory.
Full disclosure: I don't own shares of any of the companies mentioned in this post in my personal portfolio. When in 2010 I started the mutual fund I manage, Jubak Global Equity Fund, I liquidated all my individual stock holdings and put the money into the fund. The fund did not own shares of any stock mentioned in this post as of the end of June. For a full list of the stocks in the fund as of the end of June, see the fund's portfolio here.
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We'll be joining the incredible Intrigue Emporium for their Christmas Market Showcase on Sunday 7th December where we'll be running drop-in workshops to create beautiful bag tags and key rings. These lovely little creations make fantastic stocking fillers, or why not treat yourself (we won't tell!).
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Shoreditch Town Hall, 380 Old Street, Shoreditch, London, EC1v 9LT.
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We all have that one friend who seems to be always running one marathon after the other. A selfie moments before, during, and after the race, you can't help but just stare in amazement for their love of running! It's also no coincidence that most runners are generally nice people (okay, maybe we have a few bad apples but that's life) as running is often a way for people to relieve themselves of stress and all the negative energy they accumulated for some time. Perhaps we ended up liking them because of their personality that running helped mold.
Gifting them something they can use when they run will surely make them love you tenfold no matter how simple your gift might be. For that we listed 25 of the best gifts you can give to your runner friends. And don't worry about the price tag, these items won't end up breaking your piggybank.
25. Nathan Quickshot Plus Insulated Flask
This 10-ounce, insulated bottle also has a reflective print to keep your friend safe when they go running in the dark.
24. Camden Gear Running Belt
Sometimes runners prefer to run light and others prefer to wear a small bag with them. be it car keys, phones, credit cards, or car keys, this Running Waist Pack from Camden Gear will surely fit your friend's needs.
23. Oiselle My Homeboy Scoopneck
Cotton tees always work during easy runs. They're not too tight or too loose. They give your friend a "comfy" way to run.
22. Sof Sole Fit
Your friend may often have blisters so it's best you give them these socks from Sofsole. These are made from Synthetic fibers that prevent moisture buildup and reduce risk of blisters.
21. Ultimate Direction Endure
This waist pack from Ultimate Direction (no, not the alternative to One Direction) holds everything your friend will need when they run.
20. Patagonia Strider Pro Shorts
The shorts from Patagonia is lightweight and versatile as it offers a 5 inch inseam. The outer layer is made to dry quickly while the inner layer is built to resist odors. It also has four pockets. That's right, four and it rhymes with "What are you waiting for?"
19. Soleus Dash
The Dash gets rid of the fanciness high-end watches offer but equips your friend with the basics. If not running, imagine wearing this while doing some really hot butt exercises!
18. Nike Touch Screen Gloves
Your friend has to run even when its cold outside so it's best you give them these awesome Touch Screen gloves from Nike.
17. Garmin GPS Watch
Garmin is one of those brands of sports watches you can't just help but endorse. The Garmin Forerunner 10 has a lot of useful applications for your friend who likes to keep track of a lot of numbers while running.
16. MedalRT Wall Hangers
If you're friend is keen on making sure they keep track of every medal they win then you better buy them a MedalART Wall Hangers. These original designs are hand sculpted from metal and make a great piece of wall art.
15. Race Bib album
Your friend probably likes to keep their race bibs so it would be an awesome idea to gift them an actual race bib album.
14. X-Treme Armpocket i-30 Armband
This armband can carry a lot of mini equipment for your friend. Cell phones, car keys, mp3 players, and other stuff they can't seem to hold onto during a race.
13. YakTrax Ice Grippers
Your friend likes to run when its snowing and you fear they might slip or injure themselves by running too hard on the snow? Then these Ice Grippers from YakTrax should be the perfect gift for them.
12. Melatonin pills from AstroNutrition
Your friend might be one of those who have trouble sleeping after a late run. Why not give them this jar of Melatonin pills from AstroNutrition to ease them into a natural sleep state.
11. Salomon S-Lab Light Jacket
This jacket will be your protection whether the weather gets too wet or too hot. Make sure your friend doesn't end up sick when it rains on their run!
10. Ortholite Fusion Insoles
These insoles are more durable, more comfortable, and much more breathable which will make your friend feel extra good when they run.
09. Panther Vision Powercap
The Panther Vision Powercap features two spotlight LEDs to help your friend run in the dark or in the haze without the nuisance of a headlamp.
08. Nathan Lightspur
If you're friend just happens to run in the same direction cars are going, it's best to offer them a wonderful gift that can save their life. The Nathan Lightspur is small, lightweight, and you might even forget you had it with you after the race.
07. Princeton Tec Vizz
The Preston Tec Vizz is versatile and should be of great help for your friend when it comes to being seen in the dark. It has two bright LEDs, both can be dimmed, and a maxbright LED illuminates 100 yards away.
06. Racer Wall Frame
What better way to make your friend inspire themselves more than with a wall frame dedicated to their race numbers!
05. Janji Headband
This headband's proceeds will provide up to 6 months of clean potable water for one person in Tanzania. You not only made a friend happy but also a person in Tanzania for 6 whole months!
04. Saucony Kinvara Calf Support
Saucony's calf support will do more than just improve your friend's running strength. It can also give them a bit of warmth specially when they run during winter. Everyone knows you can't run with frozen legs.
03. Camden Gear Hydration Running Belt
Where bulky water bottles don't fit hydration belts come in. This hydration belt from Camden Gear has one advantage from its competitors and that's the large pocket size. The pouch is large enough to fit most cell phones. Even the large beasts!
02. KT Tape PRO Elastic Therapeutic Tape
Sometimes running can take a toll on your friend's legs. To help them with that, it's always a good idea to provide some elastic tape specially the ones from KT TAPE. This tape is made from reinforced 100% Synthetic Fibers which cover an expanded elastic core that makes KT TAPE PRO ultra-light, durable and extra-strong.
01. Hidrate Bottles
These bottles from Hidrate can do much more than give your friend something to drink. The Hidrate bottle tracks of how much water your friend drinks by connecting to their phone. The Hidrate app recommends a customized water goal for you to reach each day and sends helpful reminders so your friend doesn't fall off track. The bottle also glows when you fail to reach a certain drinking amount.
Whether you give one or more of the gifts we suggested, your friend is sure to love you even more and remember you when they go out for a good, long run. You might want to tag a long too and maybe try out a few of the things we listed here. We're sure you'll enjoy it too!


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Stroud Homes is looking for dynamic and passionate licensed builders to join our industry-leading team as franchisees. With over 20 years of high quality design and building success, Stroud Homes provides a great opportunity for the right people to expand and grow their own business.
We support our franchisees with the systems, processes, product and operations they need to generate long term profitability and work-life balance.
At Stroud Homes we deliver a structured and trusted approach to home building, based on our Three Pillars for building the great homes we are known for:
- Customer Service
- Build Quality
- Value For Money
Over many years of growing and strengthening our brand, Stroud Homes has worked tirelessly to build great relationships with our satisfied customers, suppliers and staff. With first rate systems, we take much of the heart ache and pain out of working in your business, allowing you to leverage your time to get the best out of both life and business.
A structured and trusted approach to home building
What we can offer:
- Build a new home in 16 weeks, from approvals to handover
- Build 10-20 homes at a time, maintaining targets and quality
- Achieve consistent Quality Build ratings from an independent assessor in the top 5%
Can you do all this and still have time for family and friends?
Small builders know all about the limitations that go with the territory of running a small business. Stroud Homes offer the processes, systems, brand, buying power and team for the right person to grow their own successful small business.


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...of the Hiatus!!!
About one and a half weeks after my last post I found someone I thought would be a good roommate for me. We discussed the situation thoroughly and found that we are complimentary in many aspects, though not so wrapped up in each other to pose the possible friend problem*.
My roommate is now a person who is quieter than me, studious, not a drinker, never heard of a drug, cleans her dishes directly after using them, and only speaks when spoken to. That last one actually gnaws at me a bit, I constantly feel as though I should say something because she is so dang quiet. Makes me into a bit of a chatter bug.
So the living situation is much altered and for the better. We also found a different apartment to move into, and now I have had the pleasure of decorating a place for myself without having to deal with someone whose tastes are so many worlds apart from mine. I also trust my new roommate enough to display my books in the common areas, as well as my precious breakables (tea cups, tea pots and the like) ((all my tea paraphernalia)) (((yes, I like tea that much! Don't laugh at me!))).
Life proceeds much the same at my job, there are a few people getting on my nerves, but I can handle it (with a knife buahahahaa!)
Now that I am all unpacked and happily settled in, I feel it is time to call an end to the Hiatus I declared. I am ready to put my mind back to work on what is truly important to me. I have missed my characters sorely this last month, and Damon keeps giving me pointed looks so I know it is definitely time.
To prove my devotion to getting back on track, I have some prose that I've been working on the last few days. It's almost ready, and I shall share as soon as I am done.
Thank you, my precious readers, for your infinite patience (who am I kidding? You? or maybe you?)
On an off note, there is a movie coming out every Friday this month that I want to see. How awesome is that?! Starting with John Carter, Mirror Mirror, then The Hunger Games and on through Men In Black 3...this is freaking fantastic! The movie gods are on my side for once! (either that or they are conspiring to empty my wallet)
Again, thank you all for reading and staying with me, be on the lookout for Scraps, Prose and Fun Bits from me!!!
*PFP: Where you move in with someone who is a really really good friend and then you discover just how annoying this person is to live with and it ruins both your friendship and your roommate situation.


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When Matlock Bath couple Anne and John Gill set off on the adventure of a lifetime, it's safe to say that neither of them had bargained for what was ahead of them.
The couple, along with two friends, left England for Peru on March 28 to trek the legendary Inca Trail up to the summit of Machu Picchu.
"We had planned the trip to celebrate my retirement from teaching," said Anne. "We're not a package holiday kind of couple and we couldn't wait to experience this adventure."
It was on April 3 that the couple embarked on the Inca Trail – determined to reach the breathtaking summit of Machu Picchu.
"We were just over the highest pass on the second day of walking – about 20 minutes from the next evening camp – when it happened," said Anne.
Unfortunately for the couple, an awkward tumble over an ancient Inca stepping stone was to unravel into an adventure far surpassing anything they had anticipated.
"I knew straight away that my leg was broken," said Anne. "I could see my bones poking through the skin in my foot and was in a great deal of pain."
Anne's self-diagnosis was correct. She had broken her left tibia in three places and was a two-day walk from any form of civilisation.
Husband John used walking poles as splints and gave Anne the only painkillers available – paracetamol and ibuprofen.
Before long, eight local porters ran to meet Anne, armed with traditional Peruvian blankets.
A makeshift stretcher was assembled and the reality set in that the couple would have to part ways.
John said: "There was no way I could come back with Anne as I would have held everybody up. It was upsetting, but my only choice was to carry on as planned."
The porters – carrying Anne between them –immediately started running back down the trail the couple had just spent the last two days walking up.
"I think I must have been in shock as the journey back is all a blur to me," said Anne.
"When it got dark, though, I remember looking up to the starlit sky, hearing the creatures and the rivers.
"But I remember having absolute confidence in the people carrying me. They were fantastic."
The porters made it back to the start of the Inca Trail in a remarkable eight hours and an ambulance arrived 15 minutes later to take Anne to hospital.
"The drive to hospital took around three hours and, as all the roads were either cobbled or dirt tracks, it wasn't the most pleasant of journeys," said Anne.
The ambulance arrived at the hospital at 3.30am – almost 12 hours since Anne's fall – and Anne was immediately given proper painkillers and slept until her operation in the morning.
The surgeons screwed a metal plate onto Anne's tibia and she stayed in the hospital for seven days, before setting off on the next challenge – getting back home.
"John carried on to Machu Picchu and met me back at the hospital a few days later," said Anne. "In that time our travel insurance had arranged our early flights home."
Despite a few upgrades, it took the couple 36 hours – and three flights – to get back to the UK.
"When you've been through something like I had, all you want to do is get back home. And I have to say, the flights back were far worse than anything else I had been through."
Upon her return, Anne was checked over by English doctors who praised the Peruvian medics' work on her leg and confirmed that she had not picked up any infections. A new cast was fitted to her leg and Anne is currently back home in Matlock Bath, where the couple have lived for 40 years, recuperating.
"I won't let this incident put me off similar adventures in the future and I will definitely see the summit of Machu Picchu," said Anne.
"And, to be honest, we wanted an adventure and that's exactly what we got. I've certainly topped all my children's travelling tales anyway."


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The Green Bay police department says it has three local male suspects in custody in connection to the string of armed robberies in the area.
The most recent robbery happened Friday night. The Brown County Sheriff's Department says they responded to a call at a Subway restaurant on Cardinal Lane in the Village of Howard. They say the suspect was a male wearing a ski mask. They say he had a knife, and an employee was forced into the freezer.
Deputies say at least two of the men are scheduled to appear in court tomorrow.


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We are experienced
game designers and developers
We have developed several dozen games for our clients and can help make your dreams of having your own game come true. If you can image it, we can design and develop it.
No project is too big or too small.
Games are serious business.
W hen it comes to designing and developing games, we do not monkey around. We have proven creative and production processes that keep you involved and removes any frustrations while we are working on your game.
The only thing we love more than playing games is making them. We are passionate about game design and development and take that same approach to every project.
O ur custom artwork is created based on your vision. We work with you to ensure all artwork and animations are what you want. Once the game is complete, you will own all artwork and animations.
W hen you select three19 to design and develop your game, you are establishing a relationship with a team that wants your game to succeed and be even better than you imagined.
What we can do
- 2D Games and Platformers
- Immersive 3D games
- Educational Games
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- Custom Artwork
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- Make Your Vision a Reality


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1 Min Read
Oct 23 (Reuters) - RavenQuest Biomed Inc:
* RavenQuest acquires additional shares under Alberta Green Biotech acquisition Source text for Eikon: Further company coverage:
All quotes delayed a minimum of 15 minutes. See here for a complete list of exchanges and delays.
© 2018 Reuters. All Rights Reserved.


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Players / stodeh
#1 Ranked sniper in the UK, BF4. 22 Years old. Graduated from Staffordshire University with a degree in Computer Games Design. Currently developing a Steam greenlit game called "Wayfarer: The Outer Reaches". Played countless hours in UT99, Battlefield 1942, Battlefield 2, CS:S, COD 4, Team Fortress 2, WAW, MW2, Battlefield 3, Arma II(+DayZ) and Battlefield 4.
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Baby Shower - Bridal Shower
Invitation Blog
............... Select Your Shower ...............
5 Fun Baby Shower Game Ideas
This is a fun game to help break the ice. Each guest is given one of these cute game sheets and are asked to unscramble the words as quickly as possible.
The guest who correctly unscrambles the words the fastest is declared the winner and gets a prize.
Sheets measure : 5.5" x 8.5"
You can customize this game with the Mom-to-Be's name... or not.
ANSWERS: 1. formula 2. wipes 3. burp towel 4. pacifier 5. bonnet 6. baby lotion 7. blanket 8. bassinette 9. high chair 10. bottle 11. diaper bag 12. aspirator (used to clean nose) 13. stroller 14. rattle 15. booties
This game is available in several different colors and style designs so that you can find something to match the baby's gender or shower theme: See them all HERE.
Or order as shown in Blue for Boys
Same as shown in Pink for Girls
This sweet game is more fun than a barrel of monkeys and gives everyone a fair chance to win.
For this fun game, each guest is given one of these adorable blank 5.5" x 8.5" Bingo sheets.
They are asked to fill in the empty boxes with gifts that they think the mommy-to-be will receive. As she opens each gift, if the guest has it on their sheet, they mark it off.
Just like in traditional Bingo, the first guest to get 5 in a row, wins.
Learn more or order your Monkey Bingo game in pink for a girl
Also available in blue for boys
Or see all of the fun Bingo sheet designs available HERE.
This game puts all of the attention right where it should be, on the mommy-to-be.
Each guest gets one of these super cute 8.5" x 11" sheets filled with 12 questions about the lady of the day. Someone is appointed as the official timer and starts the clock giving everyone 5 minutes to answer the questions.
At the end of the 5 minutes, the guest, or guests, who have the most correct answers, wins.
The best part of this one is that the flip side of this flyer also contains a fun word search and baby word scramble. That gives you 3 fun baby shower games for the price of one.
Learn more and order yours as shown HERE
Also available in pink for a baby girl. HERE
This game challenges guests to remember their nursery rhymes.
The cute 8.5" x 11" sheet contains fun riddles to be solved like: 2) Irreparable broken egg.
ANSWERS: 1) Three Little Kittens 2) Humpty Dumpty 3) Little Miss Muffett 4) Tommy Tucker 5) Little Bo Peep 6) Jack Be Nimble 7) Cat and the Fiddle 8) Old Mother Hubbard 9) Jack and Jill 10) Mother Goose 11) Little Jack Horner 12) Old Woman in a Shoe 13) Hot Cross Buns 14) Three Men in a Tub 15) Little Boy Blue
Get the featured game sheet HERE
Or see one with a boyish theme HERE
This is less of a game but provides a GREAT way to help the expectant parents stock up on a much needed supply of diapers.
Each guest will receive one raffle ticket for each package of diapers they bring along to the shower.
Send one to each guest with their invite and keep extras for people who bring more than one pack.
The guests will fill out the ticket with their name and place the ticket in a bag, bowl or any other convenient holding place.
At the end of the event, one ticket is pulled and the lucky winner gets a prize.
Get the featured custom raffle tickets HERE
Or browse through many other designs HERE
Browse More Custom Baby Shower Game Sheets
Watch this video to learn how to play the hilarious Dirty Diaper Game.
Get custom Dirty Diaper game sheets HERE
Do you know another game that isn't lame? Tell us about it in the comments here.
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FirstSarasota, The Downtown Baptist Church, 1661 Main St., Sarasota, FL 34232
Saturday, March 3, 2018 at 6 PM
Andrew Lapp and The Lubben Brothers (www.thelubbenbrothers.com) are excited to join together in concert for the first time at FirstSarasota, the Downtown Baptist Church on Main Street in Sarasota, FL on March 3rd, 2018. The highlight of this evening's concert is Faure's "Piano Quartet No 1 in C Minor", which features the violin, viola, cello, and piano! This is a concert you won't want to miss! The concert will include classical, popular, sacred/gospel, and bluegrass music. The doors open at 5:00 pm, and the seating is general admission. Tickets are $20 at the door. Children 12 and under are free.
Tickets can be purchased when doors open at 5pm.


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Mystery Related With Touchscreen
The touch screen technology offers two components; Hardware and Software (you knew that? great)
The equipment touch-screen interface can discover the area of a physical contact editor and the correct software converts this contact to a command and that is accomplished and now we start to see the aftereffect of all of our mention screen.
Resistive Touch Technology:
The resistive touch screen is composed of two electrically coated sheets of particular content split up by a gap that is small.
The two resistive circuit levels were covered using one area by transparent metal oxide finish (Indium tin oxide ITO) and these two layers were split up by insulating dots in order to prevent electric email me in idle condition. When touch pressure is actually placed on the top resistive coating, they flexes right back to the next coating and a power email me is actually produced from the matching aim in addition to routine is finished. A voltage was made in both levels, one coating current is utilized to detect the horizontal location of touch and other layer voltage for vertical place of touch. Regarding the backside of all this strategy was an control that is electronic which detects the situation of touch aim and goes the information for the touchscreen controller upon which the touchscreen software acts and produces the output that is the effect of one's mention display. Resistive touch screen require pressure to complete a touch results plus one can anything such as hand, pen, pencil etc. to register a touch on resistive touch screen
Capacitive Touch Screen:
A touch that is capacitive has actually an individual level coated with conductive product. It truly does work regarding the maxims of electrostatics.
When some thing conductive (as all of our little check this site out finger) touches the monitor, they adjustment the field that is electrostatic that aim and helps to create a capacitor which draws current from each area of electric industry. The controller from the backside of display steps the ratio of currents drawn from each area and identifies the touch venue this according to the measured ratio. This data is sent to the software which runs the operations learn the facts here now that are required develop the consequence of touch pop over to this web-site on monitor.
Remember that capacitive touch works merely through the call of anything conductive is used to join up the touch, that is the reason exactly why capacitive touch won't work with a pencil, pen or a match stick etc. but resistive touch will work with these too if you try to use it.
Nowadays, all best companies are utilizing capacitive tech. (after looking over this can you tell why?)


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On his blog, Dr. Brad Shook is proclaiming "Migraines are Curable!" He based this blog entry on a new research paper by Migraine expert Dr. R. Allan Purdy.
Although the title of Dr. Purdy's article is "Migraine us curable," Dr. Purdy is not saying that the disease is curable at this time. In fact, he states:
"At present there is no evidence that migraine is a curable disorder or disease and any thoughts in that direction have proven futile to date. Given that migraine clinically and pathophysiologically is a complex neurovascular phenomenon, it is of interest to explore its potential curability."
To his credit, when I pointed this out to Shook by commenting on his blog, he did respond. However, he still states,
"This means the cause of you migraines may be from the loss of regulation of nerves around blood vessels in your head, which are regulated by your brain and brain stem! So if this proposed cause holds true, if you fix your brain you fix your migraine! I have observed in practice, that this, "brain problem" is in fact the cause of many migraines. There are other causes that have to be considered, and sometimes there is not an answer."
He would also like readers of his blog to visit him to find their "cure."
Truthfully, I don't have a strong enough background in reading journal articles to really understand all of Dr. Purdy's paper. I also don't have the contacts in the Migraine medical community to ask for help. So, I have asked your friend and mine, Teri Robert, to take a look at Dr. Purdy's paper, reach out to some of her contacts (if necessary), and comment on it. Teri's mother (also a Migraineur) passed away last weekend, so her plate is quite full at the moment. She told me that she will, as soon as she can, take a look at Dr. Purdy's paper and Dr. Shook's blog and get back to me. I will definitely let you know what she says and post a link if she should decide to write about this issue herself.
In the meantime, I have to say that Dr. Shook's blog title is misleading at best. Were he truly concerned about the health of his patients and potential patients, he wouldn't be proclaiming that "Migraines are Curable!" when this disease is definitely NOT curable at this time.
Arabella ♥


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New in 2010, and adding an even more sophisticated, up-market option to the original backpacker rooms is the Coach House which has been completely rebuilt and now offers two cozy rooms with ensuite/private bathroom facilities and a separate kitchen. The interior finish is of a high standard, featuring double glazed windows throughout, full insulation and central heating. The two levels of the Coach House are separately accessible as well as connected by internal stairs, and they offer room for a maximum of 5 people.
Prices quoted are in NZ$ per person for BBH club card holders. This card can be purchased at our reception, at any of approx. 160 member hostels or even online. Non-BBH members add $4 per person/night (subject to change without notice). Prices effective as of 1st May 2018. For more info on the BBH (Budget Backpacker Hostels) please visit www.bbh.co.nz.
per person
add person for triple
per person
Please note: We have a two night minimum stay for advance bookings at the Coach House.
Check-in time: 2pm - 7pm (sorry, no late arrival/check-in possible). Check-in at Hogwartz reception (277 Rattray St). For further directions and map please check our Contact Us page.
Check-out time: 10am
The Coach House is a separate, self-contained two-storey unit located at the end of our driveway, only 30m from the main hostel. The two rooms are accessed separately from Bishops Rd and Bishops Place respectively. For guests arriving by car, there is a drop-off and loading zone in our driveway which allows you to check in, get directions and unload your car before finding a parking space outside the Coach House or on surrounding streets. No need to carry your bags into the main building as you will be heading back past your car on the way to your room. Car parking in this part of town is still unlimited and free of charge.
Originally, the Coach House was – as its name suggests – the coach driver's accommodation and included coach storage and stables on the ground floor. Built in the 1880s and modified slightly once coaches were no longer in use, it saw the start to a complete rebuild in 2005. Today, the only 'original' part which had to be retained in order to be able to rebuild in the same location, is its brick walls. Unfortunately, all of the original timber (including floors, linings and the roof) had to be replaced. Structurally strengthened and extensively redesigned internally, it now offers a charming and contemporary style of accommodation while retaining much of the original look externally.


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Harness Inspections
Harness Inspections
Personal Fall Protective Equipment inspection is a legal requirement under the Lifting Operations and Lifting Equipment Regulations (LOLER).
Our trained and competent inspectors will ensure your safety harness inspections (and associated climbing equipment) happen efficiently, on schedule and with minimal disruption to your business. All safety harness inspections (and associated climbing equipment) will be undertaken in accordance with all relevant British Standards and statutory requirements.
S&C Safety Compliance offer inspection services either on-site or at our premises. The effectiveness of any fall protection equipment is dependent partly on its condition. It is important therefore, that equipment is properly inspected and maintained and that records are kept.
Call us on: Freephone 0800 612 4520 or email us today from the Contact Us page for your free consultation.
Frequency of fall arrest and equipment inspection
|Fall restraint and fall arrest equipment used infrequently and well maintained
|Every 12 months
|Fall restraint and fall arrest equipment used frequently and well maintained
|Every 6 months
|Climbing harness and equipment
|Every 6 months
S&C Safety Compliance use an on-line asset management / inspection system to record safety harness inspections (and associated climbing equipment) on your secure on-line database.
We will undertake your harness inspections using our mobile hand held devices making the inspection records immediately available on line straight after the safety harness inspection(s) have been completed.
S&C Safety Compliance provide a full managed service for your safety harness inspections (and associated climbing equipment) which includes:
- Sell and input purchased climbing and fall arrest equipment on to your secure online asset database in your company account;
- Allocate climbing and fall arrest equipment to either an individual or location;
- Schedule and monitor your fall arrest and equipment inspections ensuring equipment does not go out;
- Arrange and undertake statutory inspections; and
- Put fall arrest and equipment inspection records on to your online secure data storage company account so are immediately available.
- 24/7 access to your company account


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AP— The Latest on Syrian president Assad's visit to Moscow (all times local):
3 p.m.
Russia's defense ministry says top military chiefs of Russia, Turkey and Iran have agreed to coordinate their efforts in Syria to defeat the Islamic State group.
The presidents of Russia, Turkey and Iran are meeting in the Black Sea resort of Sochi on Wednesday for talks focused on war-ravaged Syria. The Kremlin has already said that the point of Syrian President Bashar Assad's surprise visit to Sochi on Monday was to get him to agree to possible agreements that the three leaders might reach on Wednesday.
Iran and Russia have been Assad's main backers while Turkey supports the opposition.
Pro-government forces over the weekend defeated the Islamic State group in its last major stronghold in Syria, leaving the militants to defend just strips of desert territory in the country and a besieged pocket outside the capital, Damascus
The Russian defense ministry said in a statement Tuesday that the chief of the General Staff of the three countries have met in Sochi and discussed "concrete steps to complete the elimination of the remaining IS and Nusra Front formations" in Syria. The three officials also agreed to improve coordination in a safety zone in the Idlib province in Syria's northwest.
Russia, Turkey and Iran earlier this year brokered truce between the government and the rebels in four areas in Syria including Idlib.
1:10 p.m.
Iranian President Hassan Rouhani says the Islamic State group has been "eliminated or minimized" in the region.
Speaking to a group of officials, Rouhani said Tuesday: "With the grace of God and thanks to efforts by regional nations, today we can say that this evil has either been eliminated or has been minimized."
Also on Tuesday, Gen. Qassem Soleimani, chief of foreign operatives in Iran's powerful Revolutionary Guard, announced the end of the Islamic State era in the region.
Iran provided military and economic assistance to both Iraq and Syria in the fight against IS.
All that remains of the so-called "caliphate" that once stretched to the edges of Baghdad are patches of territory along the Euphrates in the deserts of Syria and Iraq.
12:50 p.m.
The Kremlin says Syrian President Bashar Assad's visit to Russia is to ensure that he agrees to possible peace initiatives with Russia, Iran and Turkey.
Vladimir Putin hosted Assad in the Black Sea resort of Sochi on an unannounced visit on Monday ahead of a summit in the same town between Russia, Iran and Turkey. This week's visit is the second time Assad ventured outside his war-ravaged nation since the civil war began, both times to Russia.
Dmitry Peskov, Putin's spokesman, told reporters on Tuesday that Putin had spoken with the leaders of Iran and Turkey to "assure them that Russia will work with Syrian leadership to prepare the groundwork for possible understandings" that could reached in Sochi on Wednesday to "make sure" that agreements reached will be "viable."
Asked whether Putin and Assad have discussed the Syrian president's future in post-war Syria, Peskov said "possible options for political settlement have been discussed."
9:30 a.m.
Russian state TV is reporting that Vladimir Putin has met with Syrian President Bashar Assad in Sochi.
The report said the two leaders held bilateral talks on Monday and then met with Russian military chiefs.
It was the second time Assad has traveled to Russia to meet with Putin in the course of the country's six-year civil war.
The first was in October 2015, shortly before Russia launched its military campaign in Syria to shore up Assad's forces. The Russian intervention has turned the war in favor of Assad.
The meeting in Sochi comes a week before U.N.-sponsored peace talks are to resume in Geneva.
Assad's office confirmed the visit on its Facebook page.
Source Article from http://theiranproject.com/blog/2017/11/21/russia-coordinate-turkey-iran-syria/


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Yesterday I had the wonderful opportunity of attending the Renegade Craft Fair and I connected with some great organizations and independent businesses. It's so exciting to see that despite big business and corporations looking like they have a monopoly … Continue reading
Tag Archives: renegade craft fair
Going back to handmade and (mostly) ethical
I just finished watching "Handmade Nation" a documentary on Indie Craft and DIY Culture, needless to say I cannot wait for the next Renegade Craft Fair. There's this going back to nature and anti-consumer sentiment that has been growing.
Having something handmade, whether it be a zine, book, scarf, or craft is special. There's a story behind every item. This is why I love and advocate fair trade practices and ethical businesses. That's why I only partner with businesses that will use fair trade materials, organic inks, and things that will have a low negative impact on our environment.
That's why I partnered up with Replica Chicago to make my tees, and that's why I make zines. I like knowing the businesses and artists behind the art. After discovering the art and craft of the ethnic minority groups in Yunnan Province I was very eager to go and connect with them. Collect their stories, and have their goods available to share with others.
Hope you're all living a BellaVie!


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How To Prepare For An Xbox One Arrival
We're now only hours away from the Xbox One, Microsoft's next-generation entertainment console, hitting store shelves. Across the country users who pre-ordered – and those who didn't – are lining up to be among the first to get their hands on the console's upgraded graphics, controller and upgraded Kinect sensor.
Before you head to your local GameStop, it might be a good idea to get a few things out-of-the-way before the Xbox One arrives at your house late tonight or tomorrow.
Create an Xbox LIVE ID
Users who have never had an Xbox to call their very own will need to set up an Xbox LIVE Gamertag. This ID doesn't have to be separate from the Microsoft Account a user might already have. In fact, the process is more streamlined if it's the same Microsoft Account someone uses to log into Microsoft's other products, like Outlook.com, Office and Windows 8. You can set up your Xbox LIVE Gamertag on Xbox.com now. You can also create and deck out your Xbox LIVE Avatar while you're there too.
Remove that old console
Users who already have an Xbox 360 or some other gaming console, will need to make room for their new prized entertainment system. Thankfully, any old console that has HDMI can actually be plugged into the Xbox One's HDMI-pass through port and played, however if you're over that old machine you can sell it for games and other Xbox One accessories. Remember, if you're going to sell, now is the time to do so. It's unlikely that the value of an old console will be any higher than it is today. BestBuy is guaranteeing Xbox 360 and PS3 owners at least $100 in the form of a gift-card.
Read: A Guide to Trading in Your Xbox 360 for an Xbox One
Prepare to download the Xbox One Emergency Day One Update
Earlier today, Microsoft posted a page detailing how users can load the mandatory Xbox One update to a flash drive to get their console working. While that page would have been incredibly useful for those without an internet connection, Microsoft has already removed the it from their support site, saying that it prefers to work directly with users who call its support center.
If you don't have an internet connection, the best thing to do is to find or purchase at least an 8GB flash drive so that you can download the update when you call support or if the link returns. Of course, you always take the console to a friend's and update it there as well. To be clear, this update isn't optional. You'll need it before you can game or do anything else with your Xbox One tonight.
Read: Microsoft to Remove Xbox One Online & Used Game Restrictions with Day One Update
Download Xbox One SmartGlass
With Xbox One SmartGlass users can extend their Xbox experience by using their smartphone or tablet as a wireless keyboard and mouse, episode guide, and in-game map tool.
Luckily, Xbox One SmartGlass is available to users with an iPhone and devices running Google's Android operating system. It's also available to Windows Phone 8 and Windows 8 users as well. Unfortunately, it's not available to users with phones running Microsoft's own Windows Phone 7.
Read: Xbox One SmartGlass Now Available in the Windows Phone Store [Updated]
Know your Wi-Fi password
If you're going to connect your Xbox One directly to your router, you needn't worry about finding out what your Wi-Fi password is. However, if you are going to place the Xbox One where it'll require a wireless connection, it is a very good idea to find out now. This way, if you've got to reset your router to get the connection, you've gotten it done before all the festivities begin. Remember, you'll need to connect the Xbox one to the internet to at least get the Emergency Day One update.
The password is located on the bottom of the router, usually. However, most routers allow the user to login and change the Wi-Fi password.
Read: Xbox One Release Date Tips for Buyers
Once you've got everything set up the only thing left to do is wait. The Xbox One launches tomorrow morning at exactly midnight in the United States for $499. The console is already available in New Zealand.
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4 Reasons Not to Install macOS Mojave & 10 Reasons You Should Install 10.14.1
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How to Take an ECG on the Apple Watch
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4 Reviews
Huts on top of technical mountains.
Osprey's Kresta 40 Backpack is choice whether you're ski touring to a hut for a minimalist overnighter or tackling a technical ascent filled with ice climbs and rappels. Osprey built this pack with a LightWire suspension system that assures a comfortable carry when you're carrying loads as heavy as forty pounds. Two main compartments— one dry storage for sleeping bags and clothes and an other for avalanche gear—keep all of your backcountry essentials organized and easily accessible when you're on the skintrack.
The main compartment is accessed through the back panel for easy access, even with your skis, snowboard, or ice axes strapped through the front. The avalanche gear compartment is accessed through the front panel for quick access during emergencies. Osprey also equipped the Kresta with an insulated hydration reservoir and tube that prevent your water from freezing. The Kresta carries snowboards vertically or horizontally, skis diagonally or at an A-frame, and a helmet at the front. The helmet carry system stows away when you're wearing your helmet. This pack also features a strap that secures climbing ropes, and a fleece-lined pocket that prevents goggles from getting scratched.
- Backcountry ski pack for technical ascents and overnighters
- LightWire suspension supports heavy loads while reducing weight
- Back panel access for easy packing and unpacking
- Front compartment for probe, shovel, and avalanche gear
- Insulated hydration sleeve and tube port prevent freezing water
- Carries snowboard, skis, and ice axe in multiple ways
- Helmet carry system stows away when not in use
- Rope compression strap and dual top compartment with goggle pocket
- Item #OSP006E
Tech Specs
Gearhead Help
Tech Specs
- Reviews
What do you think about this product?
Have questions about this product?
Shovel pocket not long enough
My complaint about this pack is that the shovel pocket for avy gear is too shallow and will not accommodate the full length of the shovel handle or the probes. So its rather useless as a ski pack. Also the buckles are difficult to operate even with bare hands - bad choice of buckles. And so many pockets. I would probably spend all my time looking for stuff.
Unfortunately it cost me $60 to send it back from Canada so not so happy.
That is so strange and I am sorry to hear about this. We have tested the shovel pocket with some of the biggest BC shovels on the market, and I own one, so I know! The pockets are an organizational necessity, but I understand that it's not for everyone. The buckles are designed to be used even when gloves and mittens are on, so they are as simple as regular buckles.
This pack is well designed for Backcountry use, but again, you might have other preferences. Thank you for writing!
Osprey Rep
Too Much Much
- Familiarity: I've put it through the wringer
I demo'd this pack for a month and at the end of my time with it I was less than impressed. For a backcountry touring pack, there are just too many straps. Some of them I'm still not sure on the function! Even on my FULL day tours, the brain seemed to be too much and more often than not, I left it at home. The side straps for adjusting ski carry/ pole carry were very hard to adjust with the "snap to hold" system Osprey chose to use. I couldn't work this system with my gloves on - which to me is a major flaw for a winter specific pack. The avy tool pocket is also hard to get to! Major flaw! The J zipper is red and the tools fit well in the pocket - same as the 22 and 30 L version of this pack. In order to get into the tool pocket with the J zip, you have to unclip the brain and the top straps for ski carry. I could see this being an awesome trip for a Yurt trip but I think it's more trouble than it's worth.
Some features I did like: Back panel and top access to the main compartment, lined goggle pocket, decent sized hip pockets, color schemes available.
Great as a climbing pack too!
- Familiarity: I've used it several times
This pack is amazing and so is Osprey! After putting my previous pack through the wringer, Osprey stood behind their almighty guarantee and even let me pick out a new style. I can't say enough about their customer service. A real person emailed me the day I dropped off the pack to let me know I'd be issued a replacement, and I received my brand new pack a week later. Amazing customer service!
Okay, on to specifics for THIS pack. I'm a climber, and my intended purpose for this pack is cragging. After dealing with an old backpacking pack I converted for years, I was sooo sick of trying to shove my rope in and out of a top loading pack. God forbid I left my chalk at the bottom and needed it for the gym or something. Everything must come out! This pack has the AWESOME option of top or panel loading. When I get to the crag, I can just unzip the back and you have easy access to everything in the pack. It also makes loading up at the end of the day easy. This was one of the main features I was looking for in a pack, and it's awesome.
One of my issues with most climbing packs is the lack of pockets. This makes sense for big routes, but for a crag pack I want extra organization. This thing is loaded out with pockets (three in the brain, one netted pocket in the main compartment in addition to bladder sleeve, one netted pocket in large front pocket).
Size wise, I think 5 more liters would've been PERFECT because sometimes I like to hoard things in my pack. As it is, I can easily fit either rope or draws in addition to my other gear, and have my partner carry the other. The large front pocket can easily fit harness, shoes, chalk, etc. if needed. For trad days, you can fill the main compartment with gear and still have the option to carry the rope coiled on top if you want (I prefer to have the rope in the pack, but this works if you need extra space). It also has a small net hidden in a pocket that can be expanded to attach your helmet to the top. I think these features really make this a flexible and adaptable climbing pack, even without the formal distinction.
Just wanted to give a perspective from a climber, since this is not technically a climbing pack but had all the features I was really looking for. Also, wanted to payback Osprey a bit for their AWESOME customer service in hooking me up with this thing. Frame is light and comfy. Color is awesome. Osprey is awesome. Buy this pack!
Hey Courtney, Thank you so much for this great review and telling us all about the Kresta's versatility. I'll pass on your feedback to Osprey!
Osprey Rep
Osprey Kresta product tour
Check out the great features on the new women's Kresta!
Osprey Rep
Perfect Hut Companion
- Familiarity: I've used it once or twice and have initial impressions
I first had the opportunity to use this pack a year ago, when it was still in testing phase. The testing was incredible: a hut trip in the Colorado Rockies. The Kresta is full of well thought out features, including various ways to carry skis, my helmet, and the ability to separate my wet and dry gear. My favorite part is the FIT! Finally, a women's ski pack from Osprey, which means it comes in a XS/S size to fit my short little torso.
Since the final testing phase, the only real change is the aesthetic, which Osprey nailed. Beautiful pack for beautiful powder!
Osprey Rep
I thought you might like to read some of my observations on the Kamber 42 as there aren't many reviews of that particular pack online at the moment. I did a review of the Gregory Targhee 45 (field tested) vs the Kamber 42 (in-store eval). The Kamber was not in-stock at the time I made my purchase. Hopefully, I'll get an opportunity to trial the Kamber at a later date.
Tim, where would I read your review? Let me know!
Osprey Rep
Leta, if you search the store for 'Gregory Targhee 45' you will find my review and comments on the Kamber 42. I got some field time with the Kamber 42 as well, so I will write-up a review and post to that page.


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Hi! My name is Michelle Lee and I am the creator of Sea Academy I hope you have fun in this academy. I'm very young and don't ask my age :] and I can't believe that i can make this kind of group. Sorry but I have ran out of ideas for this group so you are going to get bored :( invite people to this group
I just LOVE animes and mangas my grades are fine right now.... yep im very young and i love drawing/sketching ima tomboy i like rock music i dont go on this very often
i dont have much to say cuz im very bored right now so ya...... PEACE
If you're not yourself, then who are you?
Hihi! I'm narutosasukegal44, but everyone calls me Naruka. I am 15 (going on 16^^) I love these kinds of groups! They are soooo fun!
Don't worry, Michelle~sama! We will make this group more fun for you!
I was born to fly, meant to live, and willed to fight for what's right.
Hiya!~ im Kimberly but just call me Kim ya like what Naruka said well help you make this group more fun!
ill be watchin n readin animes
Hey, I go by the name Bella. If you want to know more about me please go to my profile and view that. then if you still want to know more just ask me ok?
[[69 o.O]]


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A Happy Christmas Send-off by Nattalee Brinkman
December 16, 2016
The air was crisp as the children ~ kindergarten through 6th graders - gathered in the gym for a happy Christmas send-off to their families. They sang songs that were music to their ears. But let's go back to October when the music teacher Mrs. Westwater spent her days teaching us songs. One by one we learned our songs. Mr. Reynolds did the same with the 5th and 6th graders. The 6th graders learned a little song and dance to kick off the holiday. So, on December 5, 2016, the kindergarteners through the sixth graders went to different rooms to wait. At 6:45 the concert began, and at 8:00 it ended. All the music was played ~ from pop to jazz to joy to rock and roll. And the crowd went wild.
News, Blogs & Events Web


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The TRC CS Network is now WeTeach_CS
The Center for STEM Education has spun-off the TRC Computer Science Network into a new program. WeTeach_CS seeks to expand and improve CS education in Texas, as part of the #CS4TX and #CSforAll iniatives, by helping to certify new CS teachers in Texas and provide support through ongoing professional development.
Information about the programs of WeTeach_CS can be found on weteachcs.org.
Recognizing the deep disparity between the capacity of the Texas K-12 education system to teach computer science and the demands of the innovation economy, the TRC has begun to build partnerships that will train and support computer science (CS) teachers. Through collaboration with Oracle Academy, IBM, the Texas Computer Education Association, and the Texas Advanced Computing Center, the TRC has supported training in computer science and computational thinking, reaching approximately 150 Texas educators since July 2014.
In October 2014, the TRC convened the Texas Computer Science Task Force in partnership with the Austin Chamber of Commerce to identify key barriers to building a robust CS pipeline in Texas. From this Task Force, along with input from numerous other stakeholders, a white paper titled Building the Texas Computer Science Pipeline: Strategic Recommendations for Success was released. The whitepaper outlines four primary barriers and makes specific recommendations for addressing those barriers to improve CS education in Texas.


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Monday, February 24, 2014
8/52 - The one where I try to get him to sit still
11 comments:
Such sparkling eyes - what a lovely photo xReplyDelete
Mammasaurus said exactly what I was going to, What sparkly eyes he has! Beautiful xReplyDelete
My spotty (chickenpox) grandson has a TrippTrapp chair. I love the way they grow with the child and he can eat at the table properly . Very adaptable.ReplyDelete
This morning he asked for scrambled egg with peanut butter toast on the side! Quite a combination. Must be getting better I think
Such gorgeous eyes. I totally get the not sitting still, so hard to get our little man to stay in one place.ReplyDelete
Agree with everyone above - what gorgeous eyes!ReplyDelete
And I'm going through the same with John (just turned 2). He just won't sit still for a photo and has even started telling me "no". It's heart breaking!
Beautiful photo though. Fingers crossed he sits still a little longer so you can get some more!Replies
My dad is a John, so lovely to hear that name for a young boy!Delete
Yes, I hear ya. Getting a non blurry photo of my toddler is a mighty big challenge these days. Although you've nailed it with this one.ReplyDeleteReplies
You should see the copious out takes - hurray for digital!Delete
Such a cutie :) xxReplyDelete
Beautiful photo. It's certainly a challenge keeping them still, isn't it? My little boy just turned three and I have got used to chasing with my camera if I want a shot. xReplyDelete
Yes stillness is not something associated with 2 2/2 year olds... At least he is better than my sister-in-law who would turn her back and run from the camera. Everytime....ReplyDelete


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Get Well Soon Giant Balloon Bouquet
Nothing adds an instant smile like a great big happy face! This is the perfect Get Well Soon gift that makes everyone feels better. Each balloon comes inflated with helium and a gift card carrying your own personal message. It measures 36" inches and the box is filled with lovely hand cut confetti and tissue pape. The balloon bouquet can be expected to stay afloat for approximately 5-8 days!
All Molala Balloons will be scheduled for hand-delivery within 3-5 business days upon order confirmation. If you have a specific date of delivery, inform us at the "Note to Seller" comment box or email us at firstname.lastname@example.com
This item is only available for delivery within Hong Kong
• 1 24" Smiley Face Qualatex Balloon
• 1 24" Get Well Soon Rainbow Foil Balloon
• 1 Personalised Gift Card
• 1 36" Recyclable Kraft Box


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Many organizations and agencies have developed resources that are useful to students and young adults with ASD related to a wide range of issues. The list below contains valuable resources that you may find useful as you transition from secondary educational settings to postsecondary education or employment.
National Autism Center: ResourcesThe National Autism Center has made free resources available through their online library. These resources include a guide on using evidence-based practices in schools, national standards reports, parent's guides, and many others. These resources may be valuable in helping others understand the learning needs of individuals with ASD or in helping to take new approaches to building new skills.
National Autism Center Resources Webpage
National Professional Development Center on Autism Spectrum Disorder (NPDC)
The NPDC provides a number of modules that introduce evidence-based practices including some that can be used to learn to preform new skills and potentially gain more independence. Each module can be accessed independently and provides guidance on one specific best-practice.
NPDC: Evidence Based Practices Webpage
Timeline for Transition from Secondary to Postsecondary education
This sample timeline can be used as a guide to important milestones in the transition process. The timeline begins in Grades 9&10 and continues through the final month before moving to college.
Timeline from High School to College Entrance Document


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via CBS News
2016, breaking news, breaking news 2016, cbs, cbs news, csx train, explosives, fireworks, news, news 2016, stole, stoles, train, usa, usa 2016
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Andy Herz is a member of the American College of Real Estate Lawyers and is included in The Best Lawyers in America® and recognized as a leading lawyer in Chambers USA as a key member of our highly rated real estate department. Specifically, Chambers notes that that 'the "terrific" Andrew Herz has "developed a great reputation for himself" in the New York market, and contemporaries state that they would refer leasing matters to him "without a shadow of a doubt."' Clients have stated that he is "an incredible leasing lawyer, probably the best in the city in terms of leasing." He has also been designated as one of only seven real estate lawyers in the United States to be included in the most recent The Best of the Best in Real Estate published by Legal Media Group. He has been an adjunct professor at Vanderbilt Law School where he taught their commercial real estate law course. For the past nine years, Mr. Herz has been a member of the Advisory Board and presenter at Georgetown University's Advanced Commercial Leasing Institute. Earlier in his career, Andy was the General Counsel of the New York State Mortgage Loan Enforcement and Administration Corporation, the workout arm of New York's Urban Development Corporation, which handled its defaulted $1.2 billion mortgage portfolio. His clients include major real estate owners and developers, commercial banks, investment banking firms, technology providers, hospitals, professional service companies, charitable institutions and other law firms.Mr. Herz has held leadership positions in numerous professional organizations, having served as chair of the Leasing Committee of the American College of Real Estate Lawyers; co-chair of the Office Leasing Committee and the Real Estate Asset Management Committee of the American Bar Association; and chair of the New York State Bar Association's Commercial Leasing Committee. He has also been designated as a Fellow of the American Bar Foundation and is a member of the New York City Committee of the Regional Plan Association. Andy has participated in seminars on workouts, commercial leasing, loan restructurings and mortgage financing for numerous industry groups, including the New York University Real Estate Institute, the Real Estate Board of New York, the Practising Law Institute, the International Council of Shopping Centers, the New York Law Journal, The National Association of Corporate Real Estate Executives and the Harvard Business School Real Estate Club. He served as a contributing editor to the New York Bar Association's text, Commercial Leasing, published in 2010 and chaired bar association panels entitled "Commercial Leases – Troubled Landlords, Troubled Tenants" and "Commercial Leasing in a Distressed Market – The Rules Have Changed."Mr. Herz was a frequent guest on "Wake Up With Whoopi" talking about real estate law issues with Whoopi Goldberg. He is Treasurer and a board member of Planned Parenthood of New York City, Inc.
Mr. Herz received his J.D. from Columbia Law School where he was a Harlan Fiske Stone Scholar and Articles Editor of the Columbia Journal of Law and Social Problems and his B.A. from Columbia College, Columbia University.
All Contents Copyright © 1996-2018 Practising Law Institute. Continuing Legal Education since 1933.
© 2018 PLI PRACTISING LAW INSTITUTE. All rights reserved. The PLI logo is a service mark of PLI.
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Javelin for Windows - New Edition (Javelin3)
We have recently developed a completely new edition of Javelin for Windows, with many improvements over the current release which is now showing its age. Documentation for Javelin3 and Javelin3Pro as a PDF file is available here. Please see theJavelin Downloadspage for download information. The main new/improved features are illustrated in the screenshots below, and include:
- Page display options - page-based, continuous page scrolling in horizontal or vertical mode, multi-page display with scrolling
- Fast/instant zooming, even with large page sizes
- Text based highlighting (markup) - see green selected text in screenshot 1 below
- Very fast text searching with highlighting
- Annotation - as per other versions of Javelin
- Forms data handling, with saved data - see screenshot 2, below
- Dynamic watermarking on active window for secured files (see screenshot 1)
- Toolbars that can be hidden (see screenshot 3)
- Improved print handling with auto-scaling of pages and selectable print resolution
- Enhanced tracking and activity logging (local and server based, file open and print events logged)
- Quick access to recently used files
- Drag and drop support for PDF and drmx/drmz files from Windows Explorer
- Presentation mode display
Sample screen shots


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- Item Height: 1.76
- Model Name: RL-TM003
- Item Length: 6.71
- Item Width: 3.5
- Item Weight: 65
- Special Features: thermometer
- Material Type: ABS
- package: blister card
Runleader is proud to present the new RL-TM003 PT100 temp sensor Digital Backlight Temp meter. It can work on most device or machines.It has a powerful Temp system as well as some other unique function design.
Temp Measuring System Including:measuring current temperature,MAX Temp and setting over temperature warning function, temperature unit display can be set by user, temperature sensor type can be select by user, etc
Unique Design Including: easy installed,replaceable CR2032 battery,data stored automatically after replacing the battery,green backlight large LCD design,etc.
In addition, the products have got CE and ROHS certification. It has a patent both in China and in the United States .
The meter shows current temperature of test point. After correct connection, temperature will measure directly and the refresh rate is 8 seconds.Temperature measuring errors is ±1% .
This meter record MAX Temp which can be view and reset by pressing the button by user.This help user know the temperature of test point well.
How high temperature will damage the things based on the material there. Different point, different limited temperature.
High temperature will make the things damaged. How important it is to remind high temperature ! Over temperature alert can be set by users.
This meter has 2 temperature units in system which can be set by user. And it also has 2 choices of temperature sensor.
The one is PT100 temp sensor, temp range -20- +300 Celsius degree.
We also has RL-TM003 with other temp sensor like below.
1.RL-TM003 with RL-TS001 NTC -20- +150 Celsius degree/-4- +302 Fahrenheit degree
2.RL-TM003 with RL-TS001 PT100 -20- +300 Celsius degree/-4- +572 Fahrenheit degree
3.RL-TM003 with RL-TS002 NTC -20- +150 Celsius degree/-4- +302 Fahrenheit degree
4.RL-TM003 with RL-TS002 PT100 -20- +300 Celsius degree/-4- +572 Fahrenheit degree
5.RL-TM003 with RL-TS003 NTC -20- +150 Celsius degree/-4- +302 Fahrenheit degree
6.RL-TM003 with RL-TS003 PT100 -20- +300 Celsius degree/-4- +572 Fahrenheit degree
We also supply temp sensor respectively. Click following link to buy.
1. RL-TS001 NTC -20- +150 Celsius degree/-4- +302 Fahrenheit degree
2. RL-TS001 PT100 -20- +300 Celsius degree/-4- +572 Fahrenheit degree
3. RL-TS002 NTC -20- +150 Celsius degree/-4- +302 Fahrenheit degree
4. RL-TS002 PT100 -20- +300 Celsius degree/-4- +572 Fahrenheit degree
5. RL-TS003 NTC -20- +150 Celsius degree/-4- +302 Fahrenheit degree
6. RL-TS003 PT100 -20- +300 Celsius degree/-4- +572 Fahrenheit degree
This tach hour meter does not require additional power supply. It has an internal battery and the battery can be replaced.
Data will be automatically saved when replacing the battery. It has a longer lifetime than the tach hour meter which battery can't be replaced.
About Purchase
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About Shipping
1. Worldwide Shipping(Except some countries). Normally, it will take 7-22 business days arrive.
2. Items are generally shipped out with 1-3 business day after your payment has been cleared.
3. Taxes and charge are not included in the item price or shipping charge. these charges are buyer\'s responsibility.
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About Guarantee
1. If you received an incorrect, damaged, defective, or item not as described, please contact us for a partial/full refund or replacement on our cost.
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3. If for any reason you are not satisfied with your purchase, please contact us and we will do our best to resolve it.
4. We maintain high standards of excellence and strive for customer satisfaction.
About Return and Refund
1. All returned items must be in the original packaging and you must provide us with the shipping tracking number, specific reason for the return.
2. If returns for product quality problems,we will refund your full winning bid amount, upon receipt of the item in its original condition and packaging with all components and accessories included, after both Buyer and Seller cancel the transaction from aliexpress. or, you may choose to have a replacement.
About Feedback
1. Feedback is very important,we hope that you can contact us immediately before you give us neutral or negative feedback,so that we can try our best to make you satisfied. A negative feedback can not solve any problems if we don\'t know the matter.
2. When you receive the item and satisfied with the product, please leave us positive feedback and 5 scores DSR, we will be highly appreciated. On the other hand,your feedback can be used as the shopping references to other buyers.
- Unit Type: piece
- Package Weight: 0.08kg (0.18lb.)
- Package Size: 10cm x 10cm x 5cm (3.94in x 3.94in x 1.97in)
- Unit Type: piece
- Package Weight: 0.08kg (0.18lb.)
- Package Size: 10cm x 10cm x 5cm (3.94in x 3.94in x 1.97in)


text: We have a wide range of mission furniture to choose from. Click on the images below for a large view of the image. All pieces are SOLID OAK with fine craftsmanship and a great finish. If you have any questions about anything please contact us at 217-774-4223 or email us.


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Car Inspection
Carnation offers Car Inspection service in 35 cities across India including all tier 1 cities. Carnation has experience of over 50,000 car inspections including all brands of cars. Carnation is exclusive partner for Car inspection service to online classified portal www.quikr.com. Carnation uses its own android based Inspection application and lead management platform to operate in real time environment. Carnation expertise in auto industry further strengthen the car inspection vertical in terms of training modules and on ground training of Inspection Engineers.
Key features of Car Inspection
• 120 point checkup
• Satisfactory TAT
• Comprehensive Inspection report