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The Hotelier Awards is a celebration of brilliance – the pinnacle of appreciation of the people bringing life to a hotel.
Asia has experienced explosive growth within the hospitality industry and this is set to continue unabated. Boasting some of the world's finest, with a vast selection of luxury hotels, amazing resorts and boutique hotels, Asia is at the forefront of international travel.
Maintaining this image requires a precise execution from a team of passionate professionals. It is the employees at the hotel, which make the guest experience remarkable and memorable. A hotel's brilliance is not just attributed to a luxurious interior; peel back the lavish fixtures and fittings, and a group of people stand before you. It is these individuals who breathe life into a hotel.
The Hotelier Awards is the only accolade in Asia that honours the dedicated professionals of the hotel industry. The annual rendezvous is an overdue recognition bestowed upon those individuals, who are the best in their field. Our mission is not only to recognise the most talented hoteliers but also to inspire the younger generations to pursue a career in hospitality.
The Hotelier Awards started in 2014 at The Ritz-Carlton Shanghai, Pudong before moving to the capital city of China in 2015 where the Four Seasons Beijing played host. The third edition and the debut of the ASEAN competition was held at The Parisian Macao in 2016.
In 2017, a third competition for the North Asia market was added to The Hotelier Awards portfolio. We hosted the biggest Hotelier Awards ceremony yet at Studio City, Macao.
For the 2018 edition, we decided to localise the three markets by having two main competitions: The Hotelier Awards Asia and The Hotelier Awards Greater China. The Hotelier Awards Asia focuses on the ASEAN and the North Asia market, which culminated in a Grand Awards Ceremony hosted in Singapore this May.
In 2019, The Hotelier Awards portfolio will expand further to include the "South Asia" region welcoming participants from Bangladesh, Bhutan, Maldives, Nepal, India, Pakistan and Sri Lanka. The Awards ceremony for the Asia competition will be held in the metropolitan city of Singapore for the second year running.
Open to any property in ASEAN, North and South Asia, these high-calibre entrants will be carefully judged and examined by a panel of experts who, between them, hold a wide plethora of industry specific skills and knowledge. Each judge is hand-selected due to their deep comprehension and appreciation of the complexities involved with managing a successful hotel.
The judge panel consists of representatives from Ecole Hôtelière De Lausanne (EHL), LL – Jones Lang LaSalle, LRA By Deloitte, and Edipresse Media Asia. Applications will be scrutinised, and an unbiased decision will be made based upon each individual's merit.
"I was deeply honored to be a recipient of the inaugural Hotelier Awards in 2014. The platform allows us to shine a light on talented hospitality professionals".
The event was brilliantly organised; full of passionate people and great energy, definitely a night to remember! It was done on a big scale, yet felt very personal and that - is the magic of hospitality…
"This is the leading hospitality industry awards ceremony in the region, led by a team of consummate professionals who run the whole show in a fun but ultra-efficient way. I am proud to be a part of it, our industry needs more of this."
'This is an incredible event and a new concept that I think we, as a community, need to take even further.'
'It was our biggest honour to have this recognition, not only for myself but also for the hotel and the brand.'
'It is a fantastic platform in the industry to share and celebrate success stories.'


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Watch This Video!
Dave's Custom Media
How many times have I told you not to sneak your little girls into my house?!?! Well, maybe now you'll learn your lesson! I've got her tied up here in the basement, and I am going to spank her ass red! And you'll sit there, watch, and learn your lesson! Maybe then. you'll learn not to sneak little sluts into my house to fuck! Watch me spank her ass red with my bare hand! Do you hear her yelling for help? You're not gonna help her. You're a little fucking pig! You're gonna sit there an stroke your dirty little cock like piggy boys do! Go ahead and keep touching yourself while I spank her with a bath brush! You make me sick! I can't believe you're my son. You're just staring at her, you little pervert! She's moaning for help as I'm spanking her with a wooden paddle!! You're not learning anything, are you? Maybe if I strap her ass with a piece of leather? Will you learn then? No! Then she's gonna have to take 18 whacks with a rubber paddle, one for every slutty year she's been alive! There! Let that lesson sink in a while. You better be a good boy, and keep an eye on her. Mommy will be back later to let her go.

subset: commoncrawl


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"I Do" Florida Weddings
Just need an Officiant ?
$100.00 for a service within 20 miles of our office. Over 20 miles will be an additional cost.
This service includes one personal consultation, unlimited phone consultations, ceremony and filing of marriage license.
We specialize in private or small intimate services in Volusia, Seminole, Lake and Orange Counties.
Weddings Officiated Monday-Friday after 5:00pm and Weekends and Holidays.
Holiday ceremony may require an additional fee depending on the Holiday, location and time of day.
"I Do" Florida Weddings, All rights reserved.


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Downtown Dubai
Downtown Dubai is a metropolis with a difference.
Offering all the dynamism seen in many of the world's most famous urban hubs, Downtown Dubai still retains the touch of luxury the Emirate is famous for.
Meticulously planned to offer ten separate districts, the area is made famous by the majestic Burj Khalifa, the world's tallest building which sits at the heart of Downtown Dubai.
This architectural and visual masterpiece plays accommodating host to some of the finest premium residential property in Dubai, as well as commercial office and retail space and, of course, the luxury Armani Hotel – a sight that is as stylish as it sounds.
Other prominent landmarks in the area include the Dubai Mall and Dubai Fountain, both of which play an essential role in creating the magical atmosphere found in Downtown Dubai.
With its close proximity to Sheikh Zayed Road and the Dubai Metro offering great transport links, Downtown Dubai is favoured by investors and residents alike who are looking for a location that is central to the all of the emirate's attractions
- Home to Dubai's best tourist and resident attractions
- Ever-evolving district with phenomenal growth potential
- Considered one of the most exclusive areas in Dubai
- Extremely popular with high rental returns
- Leading worldwide property investments
The glamorous 163-floor building is the tallest man-made structure in the world and takes centre stage in Downtown Dubai.
The world's largest shopping mall, the Dubai Mall boasts 1,200 stores and countless eateries across its 13 million sq.ft. area.
In-keeping with the theme of Downtown Dubai, the stunning Dubai Fountain is the world's largest choreographed fountain system.
The Armani Hotel and iconic Address Hotel are proudly situated in this luxurious tourist and commercial destination.
- Shopping
- Restaurants
- City living
- Stunning views
- Nightlife
Purchasing investment property in Downtown Dubai
Downtown Dubai is one of the most sought-after investment locations in the whole of Dubai, which considering the emirate's reputation, is testament to its appeal. It has a strong track record of high rental returns and excellent capital appreciation which is expected to continue into the long-term future.
Purchasing residential property in Downtown Dubai
The upcoming and thriving nature of Downtown Dubai means that there is plenty of choice for anyone looking to relocate to the area. Its combination of stunning views, city living and vibrant nightlife ensures that any home owners in Downtown Dubai will experience a truly exhilarating lifestyle.


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Coming soon...
5 comments:
you are invited to follow my blogReplyDelete
Ooh, your photos are amazing! Can't wait to see more. I'm trying to learn new tricks, my problem is the focus and i don't know is it my camera (as it fell down once) or just me,but it feels like my pictures aren't sharp enough. What can i do? :)ReplyDelete
- AnonymousSunday, 23 January, 2011
Sini - I dropped my camera once too! It's a horrible feeling, so for peace of mind I took it to a camera repair centre and got them to look at it. They didn't charge me just to check for damage, and they told me they were surprised how good a condition it was in considering it was dropped! Yay!ReplyDelete
I would suggest at least getting it looked at.
What kind of camera do you have? Do you have lenses? Do they have auto/manual focus?
Email me annie.frangipani(at)gmail.com and we can chat more :)
Gorgeous photos. Can't wait to see the rest!ReplyDelete
Ramblings of a Small Town Girl
- AnonymousMonday, 24 January, 2011
Thanks Kayla! They'll be along soon (I hope!:))ReplyDelete


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Cowardice, as distinguished from panic, is almost always simply a lack of ability to suspend the functioning of the imagination.
—Ernest Hemingway
Topics: Fear, Anxiety, Courage, Cowardice
Bullfighting is the only art in which the artist is in danger of death and in which the degree of brilliance in the performance is left to the fighter's honor.
—Ernest Hemingway
I read my own books sometimes to cheer me when it is hard to write and then I remember that it was always difficult and how nearly impossible it was sometimes.
—Ernest Hemingway
Topics: Perseverance, Endurance, Resolve
Never mistake motion for action.
—Ernest Hemingway
Topics: Mistakes, Action
Life breaks us all, but afterwards, many of us are strongest at the broken places.
—Ernest Hemingway
I like to listen. I have learned a great deal from listening carefully. Most people never listen.
—Ernest Hemingway
I know only that what is moral is what you feel good after and what is immoral is what you feel bad after.
—Ernest Hemingway
Topics: Simplicity, Morality, Simple Living, Morals
There are events which are so great that if a writer has participated in them his obligation is to write truly rather than assume the presumption of altering them with invention.
—Ernest Hemingway
Topics: Books, Literature
But man is not made for defeat. A man can be destroyed but not defeated.
—Ernest Hemingway
Nobody ever lives their life all the way up except bullfighters.
—Ernest Hemingway
All thinking men are atheists.
—Ernest Hemingway
He was an old man who fished alone in a skiff in the Gulf Stream and he had gone eighty-four days now without taking a fish.
—Ernest Hemingway
All good books are alike in that they are truer than if they had really happened and after you are finished reading one you will feel that all that happened to you and the afterwards it all belongs to you; the good and the bad, the ecstasy, the remorse, and sorrow, the people and places and how the weather was.
—Ernest Hemingway
Topics: Books, Literature, Reading
You make your own luck, Gig. You know what makes a good loser? Practice.
—Ernest Hemingway
What is moral is what you feel good after, and what is immoral is what you feel bad after.
—Ernest Hemingway
Topics: Morality, Morals
I still need more healthy rest in order to work at my best. My health is the main capital I have and I want to administer it intelligently.
—Ernest Hemingway
Related Authors
- Saul Bellow Canadian-born American Novelist
- Helen Keller American Author
- James Agee American Author
- Isaac Bashevis Singer Polish-born American Children's Books Writer
- Washington Irving American Author
- Katherine Anne Porter American Journalist
- Robert W. Service Scottish Poet
- William Faulkner American Novelist
- Barbara Grizzuti Harrison American Journalist
- Caroline Kennedy American Author


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Hiscox Online Art Trade Report 2017
Each year, the Hiscox Art Trade Report 2017 takes a deep dive into the online art market. This year, despite positive development, the online art market has failed to see the same growth as the global art trade. Take a look at our most recent report to find out more.
Join in on the conversation with The Clarion List when you subscribe to THE BUSINESS OF ART.


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New Yorkhttps://wellnesswebpro.com/ph375-reviews/
Ph375 random gains or losses of a pound or two in weight that may build you cheerful or unhappy. It is virtually physiologically not possible to lose a pound of fat in someday. Read more: https://wellnesswebpro.com/ph375-reviews/More details...
Melvin Catters (melvincatters)
This is the timeline for melvincatters, but melvincatters hasn't posted anything yet. Why not register an account and then nudge melvincatters or post a notice to them.


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GREENWOOD VILLAGE, Colo., October 17, 2016 – STARTEK, Inc. ("STARTEK") (NYSE: SRT), a global leader in business process outsourcing services, is immediately hiring temporary and full time employees at its customer engagement center in Grand Junction, Colorado, to support a new line of business for the site as well as several Gourmet Food clients. The company is seeking to fill a total of 150 fulltime and part-time positions by the end of the year, including customer service representatives, supervisors, managers and support staff.
Interested candidates are invited attend a job fair on Wednesday, November 2 from 8 a.m. to 4 p.m. at STARTEK's Grand Junction engagement center located at 2830 North Avenue. Applications will also be accepted online at any time through the company's website at www.startek.com/careers.
"At STARTEK, we value employees who are passionate about providing a great customer experience while promoting and protecting our clients' brands," said Chris Higgins, site director for the STARTEK engagement center in Grand Junction. "In return, we offer competitive pay, a fun and fast paced culture, and the opportunity to learn invaluable skills that can be used throughout one's career. More than 70 percent of STARTEK's customer engagement leaders across the enterprise are promoted from within so this is a great opportunity to develop and grow with us."
The company is seeking employees with exceptional customer service skills as well as the drive to proactively delight customers while helping resolve issues. Candidates must be able to successfully pass a background check along with pre-employment assessments focused on technical skills and customer service behaviors such as empathy and problem solving. Previous sales experience is preferred but not required.
STARTEK offers comprehensive paid training as well as competitive wages and benefits including medical, dental and vision insurance, 401(k), and paid and unpaid time off. Additionally, employees have access to discounts from national businesses and can earn incentives based on performance.
The automotive industry is undergoing a transformation. Changing consumer behaviors, the accelerated rise of technology-driven trends, and less constrained competition are revolutionizing the capital-intensive, wholesale industry. While automotive...
Read More
In the age of electric, hybrid, connected, and autonomous vehicles, could you imagine driving a steam powered car? Probably not. The automotive industry has certainly come a long way from the mass-production of the Ford Model T, but technology...
Read More


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Latest Celebrity Style
Fergie is Fly with the Celine Cabas Phantom TotePosted on Wed, 03/06/2013
Jessica Alba is Geometrically Glam with the Roger Vivier Prismick ClutchPosted on Thu, 02/28/2013
Hilary Duff is Errand Chic with the Celine Gray Boston BagPosted on Thu, 01/24/2013
Miranda Kerr Walks Out with the Prada Flowers Spazzolato BagPosted on Fri, 01/04/2013
Katie Holmes is Out in the City with the Derek Lam Newton Cameron BagPosted on Thu, 01/03/2013
Latest Daily Handbags
Marc Jacobs Small Antonia Bag – Big Red BrilliancePosted on Mon, 04/29/2013
Marc by Marc Jacobs Checkmate Tote – Sheer and ChicPosted on Mon, 04/01/2013
Christian Louboutin Sweet Charity Small Bag – Pop-Art PrettyPosted on Sat, 03/30/2013
Ferragamo Verve Fringing Nappa Leather Bag – Fun and FringedPosted on Fri, 03/29/2013
Fendi Baguette Embroidered Shoulder Bag – Beaded SplendorPosted on Wed, 03/27/2013
Designer Handbags
Welcome to Designer Handbags, your source for information on the hottest designer handbags. View the links below for a great background and more on your favorite designers.
- 3.1 Phillip Lim
- Alexander McQueen
- Alexander Wang
- B. Romanek
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- Be & D
- Botkier
- Bottega Veneta
- Bulga
- Burberry
- Carlos Falchi
- Celine
- Chanel
- Chloé
- Christian Lacroix
- Christian Louboutin
- ChristineB
- Costume National
- Derek Lam
- Devi Kroell
- Diane von Furstenberg
- Dior
- Dolce & Gabbana
- Donna Karan
- Emilio Pucci
- Erva
- Fendi
- Ferragamo
- Furla
- Giuseppe Zanotti
- Givenchy
- Gucci
- Gustto
- Hermès
- Jason Wu
- Jimmy Choo
- Judith Leiber
- Katherine Kwei
- Kooba
- Lanvin
- Loeffler Randall
- Loewe
- Longchamp
- Louis Vuitton
- Luella
- Marc by Marc Jacobs
- Marc Jacobs
- Marni
- Mayle
- McQ
- Michael Kors
- Miu Miu
- Nancy Gonzalez
- Nina Ricci
- Prada
- Pringle of Scotland
- Proenza Schouler
- Rachel Zoe
- Roberto Cavalli
- Roger Vivier
- Sam Edelman
- See by Chloé
- Stella McCartney
- Thomas Wylde
- Tod's
- Tracy Zych
- Valentino
- Valextra
- Versace
- Victoria Beckham
- Zagliani
All Designer Handbag Articles
Another celebrity is out with the Marcie bag from Chloé, but here Miranda Kerr carries the Marcie shoulder or cross body bag. This great brown ... Read MorePosted on Mon, 07/12/2010
Miu Miu has some wonderful feminine touches on the Lux Mini bag that makes it flirty for day and night. This shoulder bag is made of distressed le... Read MorePosted on Mon, 07/12/2010
While out running errands at Rite Aid, Lindsay Lohan took with her, her current go to designer handbag, the YSL Roady Flap bag. While Lindsay ca... Read MorePosted on Mon, 07/12/2010
The YSL Chyc bag is unique and a new look from YSL. This simple shoulder handbag is one to collect and have in the closet for years to come. The e... Read MorePosted on Mon, 07/12/2010
While out grabbing a bite to eat in England with her beau, Sienna Miller sported a cute ensemble, which includes the Chloé Marcie satchel. Sien... Read MorePosted on Fri, 07/09/2010
Yes, we are loving leopard right now, and Dolce & Gabbana is turning out many fabulous pieces in this print. Now for a great evening look the Miss... Read MorePosted on Fri, 07/09/2010
How much better can this Dolce & Gabbana Leopard Print Miss Sicily satchel get than being in blue? The fabulous take on a leopard print with the l... Read MorePosted on Thu, 07/08/2010
Kate Beckinsale runs errands while out and about by day in London and carries with her the Ferragamo Miss Vara Denise hobo. This black handbag... Read MorePosted on Thu, 07/08/2010
Python makes any handbag look rich and interesting like on the Zagliani Maria Luce satchel. This satchel handbag has a nice basic shape with two r... Read MorePosted on Thu, 07/08/2010
Arriving in Cannes, France for a holiday, Victoria Beckham looked her usual chic self and carried the Hermès Himalayan Birkin bag. She pairs th... Read MorePosted on Wed, 07/07/2010


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Mobile technology is one of the great ways to get things done without much effort.Android apps are one of the reasons why a lot of people prefer Android Device to other OS.
There are so many Android apps available that provide all the tools and resources to explore out new things.Ranging from learning a new language, assisting you to solve your mathematics problems, helping you to learn how to code from scratch and a lot more.
Today in this post we are going to share with you some of the best Android apps for students.These Android apps a great way to learn new things in your free time.
If you want to make good use of your leisure time then start learning new stuff on your Android device instead of wasting your time on social media and on addictive games.Below are some of the top Android apps for students that you can get for free.
Top 10 Fun Facts About Google You Probably Don't Know
How To Hard Reset Your Android Phone Or Tablet
Wikipedia is a free, multilingual encyclopedia project supported by the non-profit Wikimedia Foundation. Wikipedia has 17 million articles (3.5 million in English) ranging from all sort of topics.Why not download the Wiki app and make good use of your time today.
10+ Important Websites That Every Google User Should Know
2.Google Translate
Google translate is a free online translation service powered by Google which can instantly translate text and web pages in over 50 different languages.Android and iPhone users can convert the translated message to voice.
3.Stack Overflow
Stack Overflow is a free community-based question and answer site.According to stats, Stack Overflow is the largest, most trusted online community for developers to learn, share their programming knowledge, and build their careers.
Anki is an Android app programmed to make remembering things easy.It can help you decrease the time you spend studying and greatly increase the amount you learn giving you more time to do other things.
you might like:
How To Find Your Misplaced Android Phone In Silent Mode
Learn Spanish, French, German, Portuguese, Italian, Irish, Dutch, Danish, Esperanto, English and more. Totally fun and 100% free.
Top 10 Most Popular Search Engines In The World
6.Khan Academy
Khan Academy is not-for-profit with the goal of changing education for the better by providing a free world-class education to anyone anywhere. All of the site's resources are available to anyone.
With more than 20 000 courses thousands of experts teach on Udemy including New York Times best-selling authors, CEOs, Ivy League professors and celebrity instructors.Its a great platform for learning for free.
Best Launchers For Android Phone 2017
Qiqqa is free award-winning knowledge-, research- and reference management software. If you're serious about getting the most from managing your publications, PDFs and bibliographies, Qiqqa is for you.
PhotoMath is one of the powerful Android apps for students.As the name implies, Photomath uses your Android phone's camera to read equations that you write down and then gives you the answer.The best part of this app is that it does not just provide you the answer straightforward but shows you the step by step guide as well.
Get Free Mobile Data From Google's New Android App-Triangle
If you have interest in learning programming the easy way, then tryout soloLearn.It provides step by step tutorials in all the major programming languages such as HTML,Java,C++,Python and PHP.Although SoloLearn is free you will be rewarded a certificate of completion in any of the fields you choose to learn.
Top 10 Best Android Apps For Taking Selfie
We hope the list of top education Android apps for students we have listed here helps you.One of the best ways to get informed about new things is to research and learn.We believe some of the apps here will help you accomplish that.
If you think we missed an important app here do not hesitate to comment it below.Don"t forget to share if it helped you.


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Creative Manager (maternity leave)
1 person likes this description
Creative Manager (maternity leave)
--Creative Manager needed to fill in for Liana Huserik in Fred Meyer Jewelers
-- Must have solid design skills: CS5, good design eye, some design for web (but not coding), lots of print.
-- Needs to also be able to PROJECT MANAGE many deliverables.
-- Able to jump in and do some simple design when needed
--Able to handle projects with many moving parts
-- Able to work in a fairly chaotic environment with not a lot of formal process (they're working on that)
--Can't be a design prima dona or huge ego
--Needs to have an even-keeled personality.
--This is a fun group, everybody gets along, but they have to move fast/work hard/and compromise along the way. FLEXIBILITY is the key.
-- 6 month assignment
-- "Can do" attitude important
-- This person may be required to write simple briefs
--There will be a one-month "shadowing" period where the Candidate gets trained by Liana.
--There are 8-10 other designers in the group, open environment, all very close quarters


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Media Statements & Speeches
Commissioner Honorable Statement
August 3, 2015
EPAs Significant Clean Power Plan Changes
I would like to commend the Environmental Protection Agency for reaching this milestone and releasing the final version of the Clean Power Plan. Although I am still reviewing the rule, it is evident that the EPA endeavors to address many concerns it received during the comment period. I appreciate the EPA's continued efforts to engage with stakeholders to understand how the Plan would impact the energy sector. These efforts included sending top EPA officials to all four of our technical conferences earlier this year, along with continued meetings with FERC representatives.
The agency appears to have made a number of substantial changes to the rule, including extending compliance timelines and adding measures to protect reliability. These changes clearly demonstrate that the EPA listened to feedback from FERC and other stakeholders, and incorporated these suggestions into the final product. The rule should be better because of it.
Now the hard work begins. No matter what we individually think of the Clean Power Plan, we are obligated to the public we serve to engage and work togethercollaboratively and cooperatively. As I have espoused since joining the Commission, collaboration and cooperation are indeed the foundation for our future work. Many states and regions are well on their way to meeting the rules objectives. And independent grid operators have suggested that regional approaches may work best for compliance. Over the months and years ahead, I will be focused on doing my part to support this very important effort.
I look forward to working with my fellow commissioners here, our staff, the EPA, the States and all other stakeholders as implementation begins.


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Brand Director
I am educated as graphical designer at the University of Arts in Utrecht (HKU) and became Brand Director at JosDeVries in 2014. Before I went to work at JosDeVries, I worked for companies like DBOD, Ditmer Design Curacao, Keja Donia, SVT. I am skilled at Brand Design, Packaging Design, Corporate and Communication design.
JosDeVries The Retail Company BV
Safariweg 6-11
3605 MA Maarssen, P.O. Box 1194
NL-3600 BD Maarssen
The Netherlands
tel. : +31(0)346 - 563764
[email protected]
© 2019 JosDeVries The Retail Company BV · All Rights Reserved
by Amped Concepts
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» Welkom
» Willkommen
» Welcome
» Bienvenido
» Hoş geldiniz
» Добро пожаловать


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How To Refinish Teak Furniture
Let us relax anyone in such a How To Refinish Teak Furniture image stock that featuring fantastic property designs. For those of you whom are looking for some perfect dwelling design, this particular How To Refinish Teak Furniture picture gallery is a correct method to obtain ideas. Meet your own drive by way of figuring out each and every snapshot with How To Refinish Teak Furniture photo stock properly. The design displayed as a result of How To Refinish Teak Furniture photograph stock has to be guideline with recognizing your own wish property. Do not let your home glance negative, merely prettify this while using the recommendations with How To Refinish Teak Furniture graphic gallery. It is important that you can have a comfy your home for the reason that observed in How To Refinish Teak Furniture photo collection because it will cost a long time at your home daily.
As adverb
in what way or manner; by what means?:How did the accident happen?
to what extent, degree, etc
?:How damaged is the car?
in what state or condition?:How are you?
for what reason; why?:How can you talk such nonsense?
to what effect; with what meaning?:How is one to interpret his action?
what?:How do you mean? If they don't have vanilla, how about chocolate?
(used as an intensifier):How seldom I go there!
by what title or name?:How does one address the president?
at what price:How are the new cars going, cheaper than last year's models?
by what amount or in what measure or quantity?:How do you sell these tomatoes?
in what form or shape?:How does the demon appear in the first act of the opera? How does the medication come?
As conjunction
the manner or way in which:He couldn't figure out how to solve the problem
about the manner, condition, or way in which:I don't care how you leave your desk when you go
Be careful how you act
in whatever manner or way; however:You can travel how you please
that:He told us how he was honest and could be trusted
As noun
a question concerning the way or manner in which something is done, achieved, etc
:a child's unending whys and hows
a way or manner of doing something:to consider all the hows and wherefores
a word formerly used in communications to represent the letter H
As Idioms
and how!, Informal
certainly! you bet!:Am I happy? And how!
Here's how, Informal
(used as a toast)
how come?, Informal
how is it that? why?:How come you never visit us anymore?
how so?, how does it happen to be so? why?:You haven't any desire to go? How so?
As preposition
(used for expressing motion or direction toward a point, person, place, or thing approached and reached, as opposed to from):They came to the house
(used for expressing direction or motion or direction toward something) in the direction of; toward:from north to south
(used for expressing limit of movement or extension):He grew to six feet
(used for expressing contact or contiguity) on; against; beside; upon:a right uppercut to the jaw; Apply varnish to the surface
(used for expressing a point of limit in time) before; until:to this day; It is ten minutes to six
We work from nine to five
(used for expressing aim, purpose, or intention):going to the rescue
(used for expressing destination or appointed end):sentenced to jail
(used for expressing agency, result, or consequence):to my dismay; The flowers opened to the sun
(used for expressing a resulting state or condition):He tore it to pieces
(used for expressing the object of inclination or desire):They drank to her health
(used for expressing the object of a right or claim):claimants to an estate
(used for expressing limit in degree, condition, or amount):wet to the skin; goods amounting to $; Tomorrow's high will be to °
(used for expressing addition or accompaniment) with:He added insult to injury
They danced to the music
Where is the top to this box?
(used for expressing attachment or adherence):She held to her opinion
(used for expressing comparison or opposition):inferior to last year's crop; The score is eight to seven
(used for expressing agreement or accordance) according to; by:a position to one's liking; to the best of my knowledge
(used for expressing reference, reaction, or relation):What will he say to this?
(used for expressing a relative position):parallel to the roof
(used for expressing a proportion of number or quantity) in; making up: to the dozen; miles to the gallon
(used for indicating the indirect object of a verb, for connecting a verb with its complement, or for indicating or limiting the application of an adjective, noun, or pronoun):Give it to me
I refer to your work
(used as the ordinary sign or accompaniment of the infinitive, as in expressing motion, direction, or purpose, in ordinary uses with a substantive object
raised to the power indicated:Three to the fourth is ( = )
As adverb
toward a point, person, place, or thing, implied or understood
toward a contact point or closed position:Pull the door to
toward a matter, action, or work:We turned to with a will
into a state of consciousness; out of unconsciousness:after he came to
As Idioms
to and fro
fro (def )
As verb (used with object)
to give a new surface to (wood, furniture, etc
As noun
a large East Indian tree, Tectona grandis, of the verbena family, yielding a hard, durable, resinous, yellowish-brown wood used for shipbuilding, making furniture, etc
the wood of this tree
any of various similar trees or woods
As noun
the movable articles, as tables, chairs, desks or cabinets, required for use or ornament in a house, office, or the like
fittings, apparatus, or necessary accessories for something
equipment for streets and other public areas, as lighting standards, signs, benches, or litter bins
Also called bearer, dead metal
pieces of wood or metal, less than type high, set in and about pages of type to fill them out and hold the type in place in a chase
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I've worked out all my life – running, walking, exercising in the park, going to the fitness center and swimming. It's been a staple of my life. It keeps me young and feeling alive.

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Leuvense Beertherapeuten, held their annual beer festival. Each good sized city in Belgium (in Flanders at least) has a Zythos affiliated beer appreciation club that occasionally holds events through the year. They often host at least one beer festival and have various tastings and beer trips scheduled (brewery visits for example).
This year their festival was called La Tournee Belge (Tour of Belgium). They presented 66 beers gathered from the 11 provinces of Belgium.While the list may sound small, the key thing here is that the selection was expertly chosen and covered the range of Belgian beers styles with some top-notch examples. The fest was held in an event space set among ponds and trees in a park just outside of Leuven. The combination of beer selection, festival arrangement, and location made it one of the best beer festivals I have been to.
We started the day with a 10 year old bottle of Rodenbach Grand Cru and it was just tremendous. The years gave it a nicely mellowed sourness with some faint notes of wood. There was a good selection of newer breweries and trying the Belle Cies from Den Tseut was a nice surprise. The brewer puts a single hop flower in the bottle for 'continued hopping'. Another interesting beer was Rick's Abbesse which used an old type of cherry from the Limburg region to flavor the beer with a subtle balanced tartness.
Overall it was a fine way to spend the last official day of winter- discovering the beers of Belgium courtesy of the Leuvense Biertherapeuten.
Monday, March 22, 2010
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Gavin makes hay while the sun shines at
Turriff with a double whammy success
Gavin Hay, second left, and the Morrison Motors team he led to victory in the Turriff pro-am team event.
By COLIN FARQUHARSON
Highlander Gavin Hay (Grantown-on-Spey), pictured above, came down from the hills to score a double whammy victory in today's pro-am at Turriff Golf Club.
Hay won the first prize of £1,041 with a four-under-par 66 to head a field of 24 pros and he also led the Morrison Motors trio of amateurs to victory in the pro-am with a 15-under-par better ball of 125. The first five pros in that (Hay, G McBain, S Henderson, C Ronald and S Gray), earned £125 each. Which all added up to Gavin's biggest payday on the Tartan Tour this year.
It was Hay's second win of the season, his first coming at Ayr Belleisle last month shortly after he had finished joint second in the Northern Open at Lossiemouth.
Hay had an eagle 3 at the sixth and a birdie at the 13th before a grandstand finish saw him birdie the 16th, 17th and 18th to come home in three-under 31.
His two bogeys came at the fifth and short 15th.
Greig Hutcheon (Paul Lawrie Golf Centre Inchmarlo) and Peterhead's Ross Cameron (Saltire Energy) finished second and third, completing a 1-2-3 by North and North-east pros.
Hutch had seven birdies in his 67. He covered the inward half in 31 strokes but a bogey at the 17th cost him a share of first place although an £833 payslip was a nice consolation prize.
Cameron had a double bogey 7 at the 12th in his 69 which earned him £625.
The three amateurs in the Meldrum Motors winning team with Gavin Hay were Colin Chalmers (handicap 15), Douglas Shand (14) and Graham Fraser (17).
Par 70
66 G Hay (Grantown on Spey) £1,041
67 G Hutcheon (PLGC Inchmarlo) £833.
69 R Cameron (Saltire Energy) £625.
70 G Brown (Montrose Links) £468.
71 G Fox (Clydeway Golf) £375.
72 C Ronald (Carluke), P O'Hara (North Lanarkshire Leisure), S Gray (Lanark), S Binning (Mearns Castle) £253 each.
73 G McBain (Newmachar), S Griffiths (Dunes GC) £166 each.
74 G Still (Turriff), G Forbes (Murcar Links), N Huguet (Musselburgh),C Currie (Caldwell), D Stein (Ranfurly Castle) £125 each.
75 R McConnachie (Peterculter), R Clarke (Golf Dedication Centre), J McCreadie (Largs) £83 each.
76 C McMaster (Downfield) £62.
77 S Henderson (Kings Links), J McGhee (Swanston New).
79 D Grindell (Inverness).
82 C Goodwin (Strathlene).
Labels: tartan tour


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Soggy Disco Biscuit
music to make you dance in your pants
Thursday, 10 January 2013
Johny James -- You Can Dance
A tidy little mixtape this morning all the way from Poland. Johny James is on the ones and twos, putting together a choice cut of some nu-disco belters. You'll find some Casio Social Club, some Solomun, and ... um .. some Sneaky Sound System. Maybe that band has only just come out in Poland?
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Business is recognized as a system in society that is affected by and affects other systems in the society (communities, government bodies, other organizations, the natural environment etc).
It is generally understood that businesses strive to meet the various needs of a society in an on-going basis, and one of the ways by which this is done is through value creation or the addition of value to an already existing product or service – at a profit to the business owners.
Therefore business is required to work within the parameters of these systems – economic, social and environmental – to attain its objectives in a way that will also benefit the system (society) holistically.
The society relies on business to provide it with usable, wholesome goods and services of various kind, while businesses need the buying power (and goodwill) of the society in order to keep on producing and making profit. The relationship between business and society, therefore is a symbiotic one. Each needs the other to survive.
It is a given that while providing these goods and services, businesses are generally required to follow certain rules in a particular society. But rules by their very nature are limited in scope and execution.
Whereas we are in a changing world, and rules become obsolete right before its implementation begins, and rules can never cover every aspect of changing societal expectations.
This is all fine and good, but the thing I would like to change about how businesses operate, is the perceived independence and separation of business [while meeting these societal needs] from the negative effects that accrue.
Due to the methods it and its affiliates employ while manufacturing their products, followed by the 'good' and not so 'good' effects of their industrial processes on the general society.
Add to that the indifference of some shareholders and business owners towards questionable practices their business employs in the manufacture of usable goods being offered to the general public; particularly in the type and makeup of products, methods and systems employed [before and] during the manufacturing processs.
These societal needs (food, clothing, shelter, entertainment, health, consumer electronics, fitness etc) cutting across various rungs of the social ladder are met on an on-going basis.
But it is sad to note that we have not gotten our business and technological advancements without a price. Especially the price being paid by the environment, in the amount of waste that has been generated in the last 100 years.
Of note is the amount of toxic waste generated in chemical industries, food processing industries, and industrial-styled CAFOs (confined animal feeding operations) employed in the agricultural sector to say the least.
Many – if not all – of these wastes and toxic chemical byproducts are dumped directly into rivers, lakes and oceans. And according to the EPA, pollution from industrial facilities is responsible for threatening or fouling water quality in more than 10,000 miles of rivers and more than 200,000 acres of lakes, ponds and estuaries in the United States alone.
In addition to that, according to another report from the federal governments' Toxic Release Inventory, industrial facilities dumped 232million pounds of toxic chemicals in American waterways in 2007 alone. More worrisome is the use of toxic chemicals in the clothing and textile industry, the processed food industry and cosmetic industry to mention a few.
A known culprit, nonylphenol ethoxylate is a commonly used clothing and textile factory chemical. It is also a common ingredient in commercial detergents.
Known as endocrine disruptors, nonylphenols have been dumped into waterways, decimating fish and wildlife population. Putting people who live around these areas at risk of a lifetime of health issues.
While many of these practices of dumping toxic chemical wastes into the seas, rivers and waterways may not produce immediate results for most people, the longterm accumulation of these toxins added to our polluted air, water and food can cause numerous health ailments.
Although everything appears rosy on the surface, if the trend of environmental degradation, toxic industrial practices, pollution and improper waste management methods are continued; due to business's and societys' myopic decisions without regard for the longterm implications of short-run production and consumption – the longterm profitability and sustainability of the business, the environment and that of the society would be seriously hampered.
Alas many business 'experts' picking up on this, are quick to list areas where business has positively impacted on society: Reduced cost of production through advances in technology, novel chemical additives that give processed foods a semblance of 'freshness' and 'naturalness', genetically engineered plant and animal species (whose benefits are debatable), increased agricultural yield, improvements in the welfare of the labor force and the reduction of occupational hazards workers face etc etc.
Although some companies have reformulated their products in a genuine, wholehearted way, replacing problematic ingredients with less problematic ones, others, unconvinced, have turned to a novel range of cheaper substances that allow them to present a scrubbed and rosy face to the public while the conditions in their factories remain virtually unchanged.
So looking at it critically, business as a corporate entity, has not really been living up to its full potential. An inordinate amount of time has been spent on tackling just the economic side of buiness alone, the social, environmental and cultural sides of the business equation are still far from being resolved. Certainly there has been improvements, but it has been limited to certain areas alone.
So the current approach (albeit backed with the right motive – tongue in cheek) of business towards sourcing for resources, manufacturing systems, waste disposal, recycling and its Corporate Social Responsibility would need to be reevaluated.
That is not to say that business has not undergone any change in abolishing some unhelpful practices, what I'm saying here is that it has not been a willing innovator in this regard.
Many of the changes in the business world today, were implemented because there $was no other choice available. Either you evolve or die. But a business need not wait until it is obvious to everyone that a change is needed, changes especially in matters of environmental and business sustainability can be gradually and proactively eased into, one process at a time by business managers.
Society has and will continue to undergo changes from what it was before, in terms of quality of life, technology, access to information, healh and educational facilities etc. So it would be in the best interest of a business to predict these changes, and if need be, tailor their business model to prepare for the change to come.
Because at the longrun, the sustainability of a business would define its life line – it's already defining it in the area of automotive manufacturing and renewable electricity.
In 1987, the World Commission on Environment and Development defined sustainability as: Development that meets the needs of the present, without compromising the ability of future generations to meet their own needs.
It is the intersection of Social, Environmental and Economic responsibilities of for-profit businesses.
Sustainable behaviour can be monetized, and as Gerald Nanninga puts it "if we deplete resources too quickly, the shortage of supply will make conservation issues more financially viable" and sustainable businesses have lesser risks associated with their future earnings, public image… and the more impact they have on triple bottomline (economic, social and environmental) the more the uncertainty of profitability is reduced.
However, one major cog in the wheel of sustainability is that today's products, manufacturing processes and supply chains were not designed with sustainability in mind, it would be more easily achievable if the concept is integrated into the business model at inception. But as Stever Roberts aptly puts it "one way or another, we will become sustainable. I just hope we do it ourselves".
Since many businesses are not living up to their potential, and some appear to be okay with the status quo, baring some unforeseen emergency, how then can we turn the trend around and turn business into a force for good?
First, business should understand their role in the community beyond making profit, focus should be given to sponsoring and training willing members of the community on entrepreneurship. Spelling out the advantages of being an entrepreneur to them
The social, cultural, moral and even religious ramifications of a business's proposed project should be the first subject of discussion before any project or investment proposal is undertaken in any community. Weighing whether it is the right project (however helpful) and if the timing for such a venture is right.
In other words, a meeting of minds between the business and society. So as to alleviate the pressing needs of the community in especially as it relates to easy access to clean renewable sources of water, affordable healthcare and educational facilities in these communities.
Conditions like poverty in a community, can be ameliorated via the provision of an economic incentive through the provision of direct access to funds for local social enterprises for individuals and groups in the community. So as to make semi-skilled jobs available for members of their community. Which might not have gotten to these individuals if the business people had not created such a social platform in the first place.
Business can also be used as a force for good in the prevention of social ills like human rights abuses, racial and gender discrimination either in the work place or the society at large. Through the means of collaborative strategies across multiple sectors of business to help victims of abuse seek legal redress.
Whilst ensuring that adequate solutions, through direct and unbiased channels are available to these individual when abuses do occur.
In the areas of waste generation and its unnecessary proliferation in the environment, would require a reappraisal of outdated paradigms in waste management and waste disposal.
Companies would need to proactively seek for recycling and re-manufacturing opportunities in the waste they generate before sending them to landfills and dump-sites (which they still pay for), in addition to that the manufacture of 'useful' materials like the ubiquitous plastic – you are probably holding one now – should be gradually discontinued while alternative, bio-degradable materials to plastic could be created in order to reduce our over dependence on plastic. The negative effect that plastic alone has had on the planet is mind boggling, especially with the discovery of the Great Pacific Garbage Patch by Captain Charles Moore. An island of rubbish strewn patch of floating plastic debris within the North Pacific Gyre, the center of a series of currents several thousand miles wide.
A call for transparency by business managers in the amount of information that gets released to the public, because a business affects other areas of a society; therefore much more information about its financial, social and environmental impact/behavior should be made available in public reports and not the other way round where it is only being made available to the most committed shareholders and investors.
In addendum to that, industries should be required to disclose the amount of toxic chemicals in their facilities thereby safeguarding the right of local residents to know about potential public health threats in their communities. Safer alternatives where alternatives exist should be substituted, while the worst toxic chemicals should be phased out.
Finally industries should regulate their use and release of toxic chemicals into the environment based on its capacity to cause harm to the environment and health of people rather than basing regulation on resource-intensive and flawed efforts to determine "safe" levels of exposure to these chemicals.
In conclusion, I submit that business can can positively effect a change in the social and economic fabric of a community by organizing improved enterprises for creating jobs and the vibrancy of a community by supporting small local businesses that make use of locally sourced materials to create products and services that raise the quality of life of the members of the community plus an increased social impact based on the number of lives being saved due to available primary and secondary healthcare facilities, to more children attending schools for a sustainable future.
By starting from where we are now, from the known to the unknown.


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Jeremy Cunningham, investment director, Capital Group
Ed Harrold, UK institutional, Capital Group
Jeremy Randall, then-head of finance, strategy and accounting, Kingston upon Thames RBC
Karen Shackleton, director, Pensions for Purpose (chair)
Phil Triggs, then strategic finance manager – pensions and treasury, Surrey CC (now director of pensions and treasury, Triborough)
Bridget Uku, group manager – treasury and investments, Ealing LBC
Most groups of funds are working towards bringing their traditional assets into their pools first.
In an environment where falling bond yields have become the norm, investors such as Local Government Pension Scheme funds have begun to look to illiquid assets to increase their fixed income yields – but they might be missing a trick.
Speaking at an LGC roundtable supported by Capital Group, the firm's investment director Jeremy Cunningham said: "In today's market, everybody is trying to find some yield somewhere, and it becomes an increasingly difficult decision."
Mr Cunningham said funds have used traditional fixed income assets to match their liabilities, but when it comes to sourcing better yields, they have turned to "real assets and infrastructure", losing liquidity in the process.
He said there was an "overlooked" part of the market; a "middle ground" between European and US investment grade corporate bonds and illiquids: high yield corporate bonds and emerging market debt.
Mr Cunningham said there were a variety of roles for this middle ground type of asset in a fund's portfolio: "It can play the role of yield enhancement. It also can play a role as a diversifier because it's driven by different factors than the other parts of your fixed income allocation."
He said emerging markets had more to offer international investors than just a few years ago.
"In the emerging markets universe, you can get corporate bonds, sovereign bonds that are denominated in US dollars, and then sovereign bonds that are denominated in the currency of the issuer. Increasingly also we're seeing issuance of index-linked bonds," he said.
There is also increasing diversity within high yield corporate bonds, Mr Cunningham said.
"The US high yield corporate bond market has been around for many decades and it's the biggest market, but also Sterling and European corporate bond markets are a growing part of the focus for investors."
Discussion chair Karen Shackleton, director of Pensions for Purpose, noted that aside from offering yield and diversification, LGPS funds were increasingly using these assets to generate cashflow as funds matured. She asked the panellists how their funds used the assets, if at all.
Bridget Uku, group manager of treasury and investments at Ealing LBC, outlined her fund's approach to fixed income: "At present our allocation is purely in corporate bonds and that's Sterling-denominated, measured against a Sterling benchmark. Although it is UK corporate bonds, 52% of the issuers are international, so we have high exposure to global companies.
"We're looking for yield, we're looking for diversification, for cashflow, and protection against the downside. We're not getting that yield at the moment," she said.
"We do have a high allocation to equities and we've recently made a decision to diversify about 10% out of equities into more high-yielding credit opportunities. Some of that will go into unlisted, corporate direct lending."
But Ms Uku said Ealing was holding back on any further allocations to high yield bonds because of concerns surrounding the recent high correlation in high yield bond and equity prices.
"You can't expect them to do well together and not go down together when there's a downturn, so that is the concern; that correlation," said Ms Uku.
Jeremy Randall, who at the time was head of finance, strategy and accounting at Kingston upon Thames RBC (but has since retired), said his fund had invested in a Sterling-denominated corporate bond fund and a total return bond fund. He agreed the unusual correlation between bond and equity performance was a worry.
"Historically they were almost negatively correlated, so you would get diversification as a result of holding bonds, but in recent times, quantitative easing has driven growth in asset prices for corporate bonds and that's one of the main concerns for us; that at some point, as yields tick up and QE is wound in, [we might see] a loss of capital value from our bond portfolios," he said.
Mr Randall said the Kingston fund had invested in two multi-asset funds, which were "more diversified growth funds than multi-asset fixed income funds" and planned to move away from corporate bond exposure towards both diversified growth and multi-asset fixed income funds.
Phil Triggs, strategic finance manager of pensions and treasury at Surrey CC at the time and now director of pensions at Triborough, said now that the Surrey fund had more than 90% of its liabilities covered, it was looking to allocate less to equities and more to fixed income.
Ms Shackleton, an adviser to four LGPS funds, said the Surrey fund's thinking was not unusual: "Funding positions have improved considerably since the last triennial valuation and a lot of funds are thinking, 'let's try and lock some of that in'."
Mr Triggs said Surrey had moved much of its UK gilt allocation into absolute return some years ago, although it perhaps made this call a little too early, when there was still "more mileage" in the UK gilt market.
The fund wound down its allocation to corporate bonds, replacing this with multi-asset credit targeting a return of 4-5% per year, and will now look to reallocate money from equities into private debt, Mr Triggs said.
Ms Shackleton asked: "How important is the timing of some of these changes in the fixed income portfolio?"
Mr Cunningham said timing broad strategic shifts from one area of fixed income to another, such as from gilts to absolute return, only accounted for a small amount of the total return to be gained from such plays; the real value came from more granular decisions about what specific issuers and issues to buy within those areas.
"Once you've decided your top-down perspective, the real juice comes from the bottom up: which companies do I really like? Which countries do I really like? Which currencies do I like that in? Those decisions should be medium-term," he said.
Ms Shackleton asked what specific options were available in the emerging markets space.
Mr Cunningham said the growth in emerging markets had been "exponential", from a "smaller, less liquid" market in the mid-1990s worth $1tn, to one worth $4tn today.
"The mix has changed to some degree. Local currency remains the lion's share of the universe, but the corporate bond market has been a growth area. That's good to see because corporate bonds are driven by different things to sovereign bonds," he said.
"You've got companies in there that are driven by international factors. Similarly, you've got companies that are sat in Brazil that are driven by factors that are outside of the emerging economies. It
gives you that inherent diversification."
He added emerging markets issuers had increased "from about 30 countries… to about 70 today", adding more choice for investors.
Mr Triggs asked: "Are there still the repeat offenders, in terms of defaults, particularly in South America?"
Mr Cunningham said as corporate bond issuance in emerging markets has developed across countries and sectors, corporate governance has steadily improved which has helped mitigate risk of default, reflected in the rating profile of issuers. Argentina was a case in point; Mr Cunningham said President Mauricio Macri's reforms to restructure the national economy following the default on its sovereign debt in 2014 had reduced the risk of investing in the country. Venezuela, however, remained "the pariah of emerging markets", he added.
Ms Shackleton asked what concerns pension fund committees may have about allocating to emerging market bonds and high yield debt.
Mr Randall said: "How correlated, if you buy these bonds in these currencies, is the currency risk with the political and economic risk?"
The correlation would depend on the situation in each country, Mr Cunningham said: "[Our analysts'] decisions on whether you invest in a country or not is based on analysis of the fundamentals but also the political landscape."
This means analysing the value of the bond itself, the risk inherent in the currency, and any upcoming political changes that might affect either.
Ms Uku said currency risk would be a concern for her committee. "You can't hedge emerging market currency risk because it's too expensive, but the emerging market currencies did take a nosedive about three or four years ago, so a lot of your income could be wiped out in a currency depreciation," she said.
"Corporate governance is still an issue in emerging markets," she added.
Mr Cunningham said investors must assume they will hold a bond to maturity, rather than only a few months, and in doing so, ensure their fund manager's analysts look at "where its earnings come from, how it is affected by the currency, how is it affected by the political situation" over that longer term.
Further, Mr Cunningham said a bond can sometimes be valuable enough to outweigh the cost of hedging.
"This is the case with Argentina," he said. "We may say we like the sovereign, and floating rate bonds in Argentina are at around 20% yield today, but the currency we don't like; we think the currency will depreciate by probably about 5-7%. So, we're happy to own the bonds and have the exposure to the currency, because we'll give up 5-7% but we'll make 20% on the bonds."
Ms Shackleton asked the panellists how much of their fixed income portfolio they would consider investing in this area.
Mr Triggs said there was a choice to be made between allocating small parts of a fixed income portfolio to specific areas or covering all bases by buying into multi-asset credit.
"The way Surrey has done this is the latter option, so you put a good portfolio size together and negotiate the fee which reflects the portfolio size," said Mr Triggs.
He added it was essential to ensure committee members were well informed about the way an asset class or investment strategy worked before asking them to vote on investing in it.
Ms Shackleton said: "It's going to take time to bring your committee to the point where they feel comfortable allocating to this, and then there's a sudden flow of capital going into the market; then is it too late?"
Mr Cunningham said it was "a justifiable concern" to consider the value of these assets in a context where the Federal Reserve was preparing to wind down QE and investors were flocking into the asset class.
"We all remember 2013 when the Fed turned off the tap and all risk assets fell, particularly emerging market debt and equity markets," he said.
"Do we think the Fed, turning off the tap, will relive history? So far, the answer is no. The Fed has told everybody exactly what is going to happen, months in advance. You'll get a rate hike this year and two more next year, and the Fed will continue to taper very gradually."
Mr Cunningham acknowledged there were large flows into emerging markets and high yield corporate bonds but noted these were institutional investors with long-term investment horizons unlikely to sell off suddenly.
Ms Shackleton asked if the panellists were concerned about the illiquidity associated with investing in other forms of fixed income such as private debt.
Mr Triggs said: "Surrey is comfortably cashflow positive and will be for much of the foreseeable future, so in terms of that requirement to pay pensions on time, liquidity is not such a big factor."
Mr Harrold asked how illiquid private debt investments were, typically. "We found it hard to pin it down because there is such a range of options available in terms of structure and the risk levels that you're taking on," he said. "If 4-6% is what you're considering on the yield side, what kind of illiquidity or term are you looking at?"
Ms Shackleton said: "A lot of these funds seem to be on five- to seven-year timeframes, and one of the big questions is how quickly can they can get [the money] invested. That can vary from manager to manager."
Ms Uku said her fund had invested in private debt, but was conscious about the space becoming crowded, driving down yields.
"With fixed income companies taking advantage of low interest rates and issuing for longer so that the benchmarks durations are extending, we are all inadvertently moving to deeper waters rather than staying closer to the shore," she said.
However, Ms Uku added that private debt investments in the senior space provided some recourse to assets if a company defaulted.
"With high yield, I'm not sure where you are in the capital structure when there's a default and how much you can get back," she added.
Mr Cunningham pointed out the default rate among these types of investments was "about 1.5%", although he conceded, as Ms Uku said, that it was "a muted period" for defaults generally.
"A company will issue across the capital structure," he said. "Certainly, you have to value where to invest on the capital structure; it's part of the job."
Mr Randall said environmental, social and governance (ESG) issues were a primary significant concern for the LGPS in all investments, and particularly will be a consideration in emerging markets and high yield corporate debt.
Mr Cunningham said: "When our analysts are evaluating corporates, that's what they're thinking about inherently. Some sectors have more ESG focus than others, for example our metals and mining analyst spends a lot of time visiting with mining companies in Chile gaining a deep understanding of their ESG policies and processes.
"If they're building a new mine, how does the surrounding environment get impacted by that and what measures do they take? It's not just evaluated because it's a tick-box exercise; it's because that has a material impact on the health of that company."
Jeremy cunningham
Partner Insight: Funds should appreciate the value of EMD and global high yields
Local Government Pension Scheme investors today employ a diverse and sophisticated array of tools within their fixed-income allocations to meet various requirements for their portfolios. Whether looking to achieve growth, income, diversification or liability matching, there are a host of solutions on offer to help investors meet their needs, including multi-asset credit strategies, corporate bonds, absolute return bond funds, or illiquid alternatives.
We believe that liquid, higher yielding asset classes can play a vital role for investors as part of broader fixed-income allocations. For example, emerging markets debt (EMD) and global high yield are two asset classes that could offer attractive yield, market depth and potential for capital growth; they can also offer diversification, help to reduce volatility as part of a broader portfolio and can help to manage downside risk at a time when many are concerned about high equity valuations.
We think these asset classes are underappreciated in the market today and could represent a missed opportunity for LGPS investors.
The EMD universe continues to evolve and today represents an opportunity set of over $4.6trn1, diversified across asset types (ie hard and local currency sovereign debt, inflation-linked debt and corporate debt), countries, maturities and credit rating. The range of investable securities available is subject to many different drivers of return, giving investors the ability to gain broad and diversified exposure to this growing part of the world, helping to generate returns and increase yield. While yields are attractive compared with developed markets, much of the universe is investment grade (roughly half of the hard currency index and two-thirds of the local currency index).
The high-yield market has enjoyed strong recent returns with spreads close to historical lows, yet income levels have still been consistently high with coupon payments around 5%-7% or higher. Through active credit selection, an investment in high yield can potentially deliver a regular income stream through bond coupon payments, as well as capital appreciation through possible upgrades to credit ratings. The high-yield market has depth and offers exposure to a range of sectors; combined, the dollar, euro and sterling high-yield markets have a value of $1.3 trillion, and represent some 2,200 issuers.2
As pooling provides a prompt for LGPS investors to rethink their investment approach and the potential to access broader opportunities, EMD and high yield are two asset classes that could benefit from fundamental research and active management, and can help deliver strong income and growth in support of overall portfolio returns.
1. Data as at 30 September 2017. Based on aggregate market value of JPMorgan EMBI Global Index; JPMorgan GBI-EM Broad Index; JPMorgan CEMBI Broad Index; Bloomberg Barclays EMGIL Bond Index. Sources: JPMorgan, Bloomberg Barclays
2. Data as at 30 June 2016. Based on Bloomberg Barclays US High-Yield 2% Issuer Cap Index. Source: Bloomberg Barclays
* This information has been provided solely for informational purposes and is not an offer, or solicitation of an offer, or a recommendation to buy or sell any security or instrument listed herein. The information provided is intended to highlight issues and not to be comprehensive or to provide advice.
Risk factors you should consider before investing:
• This material is not intended to provide investment advice or be considered a personal recommendation.
• The value of shares and income from them can go down as well as up and you may lose some or all of your initial investment.
• Past results are not a guide to future results.
• If the currency in which you invest strengthens against the currency in which the underlying investments of the fund are made, the value of your investment will decrease.
• Depending on the strategy, risks may be associated with investing in emerging markets and/or high-yield securities; emerging markets are volatile and may suffer from liquidity problems.
This communication is issued by Capital International Limited (authorised and regulated by the UK Financial Conduct Authority), a subsidiary of the Capital Group Companies, Inc. (Capital Group). This communication is intended for professional investors only and should not be relied upon by retail investors. While Capital Group uses reasonable efforts to obtain information from sources which it believes to be reliable, Capital Group makes no representation or warranty as to the accuracy, reliability or completeness of the information. This communication is not intended to be comprehensive or to provide investment, tax or other advice. © 2018 Capital Group. All rights reserved.
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This time of year makes me sad.
I miss the playoffs. Watching the Knicks and Nets, Rangers and Islanders battle this May makes me long for the days where the Mets battled in October.
There's an excitement. People often call it "palpable" which isn't actually true. It can't be touched or felt, but we still somehow know it's there. I was fortunate enough to experience this non-palpable excitement in 2006 when I was at Shea for Game One of the League Divisional Series against the Dodgers. Living 4 hours north of Queens, I get to maybe 1-2 games a year, so any Mets game is special. But this one was absolutely different from the rest of the games I'd been to before or since. The thought that the Mets were just 11 wins away from a World Series title made the anticipation of possibility something I'll remember forever.
As I write this, I'm watching the Blackhawks and Wild in Game 4 of the NHL Playoffs. I'm not a fan of either team but I'm watching "because it's the Cup" (outstanding job, by the way, to the NHL marketing team on that one). Every game is important. You miss that when your team isn't within a stone's throw of the postseason year after year. I've always said that I'll watch any sport if it's the playoffs, because everyone treats it differently; the fans, announcers, officials and, of course, the players.
I always find it funny that playoff atmosphere is one of the most asked-for features for sports video games. Gamers want the postseason to just feel different. When the popular title "MLB The Show 2013" released this year, it actually featured a Playoff Mode where the atmosphere was in sharp contrast to the day-in and day-out monotony of the regular season.
Many of you who read this are fans of the New York area teams mentioned above, so your thirst for playoff action is being quenched to some degree. But I'm still parched (I'm also a Sabres and Steelers fan, so it's been a tough year). As I've said before, I can't imagine we'll see our playoff drought end this year or next, so it looks like the wait will more than likely continue. But when it does return, the postseason will be well worth the wait.


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The last couple of posts (minus the creative writing one) have all been pretty political and while that isn't necessarily a bad thing, this was never meant to be a political blog. As such, I figured I'd LIGHTEN THE MOOD a bit by throwing some of my favorite metal albums of all time at you guys. I might do a sister post about electronica down the line if people like this sort of thing. We'll see! While this blog is really just my jumbled thoughts thrown on the internet I really do appreciate the comments and traffic, so entertaining you guys is in my best interests too!
So anyway, these are my three favorite metal albums listed in no particular order. If you have any interest in the genre these are great buys — or at the very least, downloads.
Kamelot – The Black Halo
Kamelot's previous albums were pretty solid pieces — Epica and Karma specifically both had a vibrant sound. With that said, they still were pretty generic "power metal" affairs, just with a few symphonic elements added in. Still, at the time they had the elements necessary to make a truly excellent album and so the ones that they did make weren't bad, they just weren't amazing. They just didn't have the creative freedom or the experience yet to make a "great" album. There was a certain cockiness they had to gain before they could approach an album with the bravado necessary to blow everyone away. Now, I'm not quite sure what signing with Steamhammer did — but it seemed to give them everything they needed in that regard. The Black Halo was released and everything about it seemed to drip confidence and creativity. This album utterly defines Kamelot's sound, from the dark romance present in the lyrics to the world-music influences that tend to pop up everywhere. This album also manages to do something else that hooks me: despite being a concept album, all of the songs stand on their own. While best listened to in order, the songs can be shuffled and they don't lose any of their polish.
Ultimately though, there is one song that completely sold this album to me — Memento Mori. It is the longest song on the album and one of the longest (if not the longest, not counting the Elizabeth trilogy) songs in their history. It is a progressive type of song that starts as a ballad, driven completely by Roy Khan's haunting vocals. As the song builds and heads to the one minute mark it starts to evolve with light drumming and careful riffing before an organ beckons something darker. The distinct shadowy sort of romance that enshrouds the whole album rises up, Khan's voice turning to a warning:
When your time has comeYou know you'll be lonely once againAnd the final winter comes to us allLife is treacherousBut you're not the only who must pretendWe're a second in timeWe're the last in the lineOf the prey that walks the earthGood and evil combined
A chorus follows, building the entire song once more before it quiets for a brief moment before absolutely erupting into one of my favorite guitar bits.
The way this song plays out and eventually ends, gently flowing into the final track — it absolutely sold me. While Ghost Opera was a good follow-up album, The Black Halo is a legendary collection of songs that everyone deserves to listen to.
Suggested tracks: Soul Society, The Black Halo, Memento Mori
In Flames – Colony
Colony is a weird sort of album. It sounds nothing like what came before or after it in the grand timeline of In Flames' releases. While you could argue that The Jester Race and Whoracle both sound similar, I disagree. I think that they straddle slightly different sounds that remind me a lot of At The Gates more than anything else. Colony, on the other hand, has this unique sort of sound that is utterly bitter, esoteric and rhythmic all at the same time. It's perfect. It's melodic death metal in the absolute purest form. There are no frills, no ultra-high production values, no trying to appeal to American audiences — none of that. While the stuff In Flames put out after this album is good, it just can't come close to the album that cemented them as founders of the melodeath genre.
Perhaps that uniqueness came from a bile that was infused in the songwriting? I'm not really too sure, but whatever it was it worked wonderfully. I mean, seriously, these lyrics are ridiculous at times… yet they work beautifully. Typically this sort of music is only really appreciated from an instrumental standpoint, but check out some of these lyrics:
Call me by my astral nameBreeding fear through wordless tongueHeavenly thirst – unspeakable painEmptied from all human motionConfront the faceless wrathBeckoning silent from a sphere behind spaceThrough twisted ruins of uncompleted dreamsSights of towers reaching for the moonClawing at the skies – they're gonna pull it down
They have meaning that can only be deciphered by taking a serious glance at them. This isn't some petty rage spat in the corner of a notebook, this is some interesting critism of human existence. Also pretty impressive considering Anders didn't know a bit of English before starting to write the lyrics for In Flames.
Suggested tracks: Behind Space '99, Ordinary Story, Man Made God
Opeth – Watershed
Opeth is a band that doesn't quite fit anywhere. Without a doubt they are heavy, metal and any other adjective you want to paste on a band that makes you want to throw up the horns. They can throw dissonance at you from the pit of hell, they can utter the call of chaos through Beelzebub's horn and make you crawl back to the ashes you spawned from. Akerfeldt can surely sound like a fiend — a demon, even. There is little doubt that with enough guttural gusto he could spawn flies that would suffocate you if he so pleased. As his lyrics pelt you an unsettling harmony of guitars would pound at you, being accompanied by the deafening sound of double-bass pounding at your lungs.
And then the track changes and a piano greets you, a gentle, bluesy guitar note following it in the distance. The first image coming to mind is that of a windowpane with rain cascading down it, a cloudy scene that is relaxed and… beautiful. The vocals are sung with conviction here — telling a story of sorrow and despair. Personal demons of a different kind haunt the stag, the unsettling guitars replaced with melancholy strings. The mood has changed completely, the entire story has turned into something else entirely. The emotions conjured are smoother and slower. Without a doubt, you must've accidentaly changed the track.
But you haven't. You're just listening to Opeth.
This is what they've been known for since the days of Blackwater Park — a sound that is two-faced. On one side it is metal and tormenting, evil and sadistic — and on the other? Beautiful and full of gentle melody. This schizophrenia of sound — the way they use the guttural growling to convey strong, dark emotions is what makes them so special. They don't use it to cover up poor vocals (Akerfeldt has one of the best voices in metal — hell, in music today) or to poorly try to make you think they are "heavy." They use it to convey a specific emotion or atmosphere.
Watershed is the perfection of that style. No matter what I do I simply cannot listen to just one song on this album. Whenever I start listening to it I find myself having to run through the whole thing. It just demands this of you. It wants to claim all of your attention. With the exception of Coil, the songs are all in excess of seven minutes, each song twisting and turning at its own pace. The album is incredibly atmospheric, produced with the perfect amount of polish and care. Many tricks add to the atmosphere here — at the end of Burden a guitar is slowly played out of tune, creating a thick sort of tension that makes you listen carefully to each string as it falls away from home. The Lotus Eater ends with a discordant mix of talking before ending in a sigh, once again forcing you in to a darker world.
This is Opeth's magnum opus — with Watershed they have reached a peak in their art of metal and beauty.
Suggested tracks: Coil, Heir Apparent, The Lotus Eater
Note: I'd like to apologize for any typos here — I just got back from the eye doctor and am currently half-blind… so it is entirely possible that I missed something completely. If so, sorry!


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Diwali is such a bright (and noisy!) festival. The lights, the beautifully colored flowers and sweets and ofcourse brightly dressed people!
The crowed markets, the long queues and longer traffic jams, all remind us that it is that part of the year again. This year like every other year I made a rangoli , however unlike other years, this year I am hugely disappointed in myself! But I could not refrain myself from adding a pic of it in my blog like every year. You can pretend to like it and appreciate it via comments, to make me feel better you know!!
|The picture has been cropped so that it looks presentable, atleast!
Anyhow, moving ahead, wish you all a very very happy diwali. May it bring you a lot of success, happiness and prosperity!!
God bless.
Lots of love