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Colma, California
Obscura Society SF: All Souls Evening at Woodlawn Cemetery
Greet the ghosts of Colma's city of the dead at an after hours gathering
Join us for a special evening opportunity to explore Woodlawn's acres of tombstones as the dusk falls around us on All Soul's Day.
Established in 1904 to house the dead no longer welcome in San Francisco, Woodlawn is now the final resting place of those originally interred at the Masonic Cemetery, notably including the modest tombstone of Joshua Norton: Emperor of the United States. The site was once part of the route of the Seven Mile House stagecoach from San Francisco to San Jose, with the Southern Pacific Railroad's funeral stop right across the way.
After our twilight exploration of the grounds, we'll gather at Woodlawn's century old "castle" for refreshments and ghost stories from San Francisco and beyond. Inside the century old blue granite castle, we'll have the opportunity to explore the grand staircase, many small chambers, stained glass ceiling and old world style tapestries and furnishings while we raise the dead through stories.
- Address: Woodlawn Cemetery: 1000 El Camino Real, Colma
- 6:00-9pm
- Bring a flashlight and wear comfortable walking shoes for exploring over uneven terrain
- Ages 18+


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To help raise awareness of the issues facing bees and beekeepers in Washington State, WSBA is organizing a Legislative Honeybee Awareness Day, Thursday, March 5 on the North steps outside the Capitol legislative building, starting at 9:00 AM.
The work of the legislatively-mandated statewide Honey Bee Work Group is now complete. The group met for more than a year, gathering data and presenting a comprehensive report on issues facing bees and beekeepers in Washington State. The full report with recommendations can be found at: http://agr.wa.gov/FP/Pubs/docs/103-435HoneyBeeWkGroupReport121214.pdf
Recommendations center around several themes that include —
- Increasing bee forage across the state.
- Incorporating honeybee and pollinator concerns into the noxious weed board listing and control efforts.
- Increasing research into Varroa mite control, honeybee genetics and issues of increased forage.
- Designating beekeepers as farmers for tax purposes.
- Funding a more comprehensive bee lab at WSU, and hiring two full-time positions there.
Already, there are two bills in the 2015 legislature:
- SB 5017 – Recognition of Beekeepers as Farmers intending to permanently include eligible apiarists within the definition of farmer and define honey bee products as agricultural products to receive the same tax relief as that provided to other sectors of agriculture.
- HB 1654 – Controlling noxious weeds while still supporting pollen-rich forage plant communities for honey bees
The legislative awareness day is being facilitated by the following people and local organizations.
Contact any of these people to get involved on March 5 or to get more information:
- Krista Conner 206.938.5158 (past President, Puget Sound Beekeepers, Honey Bee Work Group)
- Franclyn Heinecke 253.531.0933 (President, Pierce County Beekeepers, Honey Bee Work Group)
- Laurie Pyne 630.577.7825 (President, Olympia Beekeepers).
Beekeepers who are involved in organizing overall WSBA legislative efforts are:
- Mark Emrich (Olympia), WSBA President
- Tim Hiatt, Hiatt Honey (Ephrata), Chair of the WSBA Legislative Committee, Honey Bee Work Group
- Paul Hosticka, Octopus Garden Honey (Dayton), member – WSBA and Honey Bee Work Group
Here is a 2015 WSBA Flyer that reviews the issues and where WSBA is asking for legislative support.

subset: commoncrawl


text:
View Sample Page (PDF)
Title: Music, Joyful Music
Listen To Samples - Can't Listen? Click HereMusic, Joyfull Misic
Price.: $
to Cart || View Shopping Cart
Item No.: HMC1985
Accompaniment: Piano And Flute
Arranger: Shelton, Tom
Author: Stevenson, Andre & Whittaker, Daniel
Category: Secular
Composer: Shelton, Tom
Series Editor:
Voicing: 2-PART, SA
Duration: 00:05:00
No. Pages: 12
Difficulty Level: Medium Children Or Easy Adult
Composer Tom Shelton, a middle school choral teacher, truly understands the young voice. Try this two-part treble work that expresses the fact that "music is the language all people share."


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Cast iron rolls introduction
Lingtong Casting adopt world-class standard such as ASTM, AISI, GB, DIN, JIS in our casting design and manufacturing. All kinds of mechanical parts modern design superior hot sale Cast iron rolls.We implement ISO9001 quality system in our daily management and manufacturing. Our products are exported to Japan, Holland, Australia and America, the quality of our castings are Widely appreciated in China and abroad market. The frames we produce for Japan WKM, are 100% Magnetic particle inspected with zero defect. Holland Stertil B.V., the world's large car lifting machine manufacturer, have cooperated with us for around 10 years, on main force components of lifting machine.
Nodular cast iron is commonly used in the production of parts requiring high strength, toughness, wearing resistance and other demanding parts such as crankshafts, camshafts for automobiles, tractors and internal combustion engines, as well as medium-pressure valves for general machinery.
Ø We provide free technical service about casting parts and application issues.
Ø Free on-site touring and introduction of our factory
Ø We provide process design and validation for free
Ø We can guarantee on-time delivery of samples and goods
Ø Close follow-up of all orders by special person and keep customers informed timely
Ø All after-sale request will be responded in 24 hours
1. What kinds of material you can produce?
The dominant material we cast is stainless steel, duplex stainless steel, carbon steel, ductile cast iron, aluminum, copper, bronze, brass and alloy metal etc. etc.
2. Can you provide machined finished parts?
Yes, we have our own machining center, we have machines for different machining process and CNC machining center.
3. What is your main casting process?
Our casting technologies include sand casing, investment casting, bonded sand casting etc.
4. Can you produce OEM parts according to our casting drawing and machining drawing?
Yes, we can produce OEM parts according to our casting drawing and machining drawing.


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We did it!
Amanda Kirtley raised £711.23 from 42 supporters
Start your own crowdfunding page
Closed 29/09/2017
We've raised £711 to help Anthony buy much needed disability sporting equipment. At present he needs new gloves and spare tyres!!
- Carlisle, United Kingdom
- Funded on Friday, 29th September 2017
What is crowdfunding?
Crowdfunding is a new type of fundraising where you can raise funds for your own personal cause, even if you're not a registered charity.
The page owner is responsible for the distribution of funds raised.
I would like to raise funds so that Anthony Gotts can continue to compete within sport following a freak accident which occurred in 2007. Anthony was competing in Finland and sustained major life changing injuries during the Long Jump. He snapped 3 muscles, tore a further 7, broke his pelvis and also had a bone tumour as a result of his accident which has left him wheelchair bound.
Despite this Anthony has become the first ever person to push all the way from Lands End to John O'Groats in a manual wheelchair last year. He is currently the World Record holder and I had the privilege to cycle alongside him on one of the days, crossing over the border from England into Scotland.
Disability sporting equipment can be very expensive and I would like to help Anthony so on Saturday 2nd September 2017 I will be taking part in the Grand Tour of Skiddaw which is a 44 mile off road ultra distance marathon. I hope to complete this challenge in around 12 to 14 hours with my mate Boothy and we are keeping our fingers crossed for good weather.
If you would like to show your support then please make a donation, it would be very much appreciated and will keep me going on the day.
Many thanks, live to give, it's a better way of life.......
Amanda xxx
- 1 year ago
Amanda Kirtley1 year ago
Had my last laal trot out with DH last night...... 8.5 miles ran with 5 kg in the race vest.... Not looking to carry much more than that on race day! Only 3 more sleeps to race day!! Wow - that's come round way too quickly!!
Share this update to help us raise more
- 2 years ago
Amanda Kirtley2 years ago
I did 17.5 miles with Anni on Sunday, 4429ft of ascent and 4393ft of descent.... From Spooney Green, Skiddaw, Ullock Pike, Peter House Farm, Skiddaw House, Lonscale Fell and back to Keswick........... Not long to go now!! Eeek!!
Share this update to help us raise more
- 2 years ago
Amanda Kirtley2 years ago
Training is going well, 23 miles out in muddy bog and rain hell with Andrew Martindale last weekend and the last big push this Sunday! I must be crazy as I'm actually looking forward to this!!
Share this update to help us raise more
Amanda Kirtley started crowdfunding
Leave a message of support
Lynn Clemmitt
Sep 11, 2017
Well done amazing lady xx
Ainsworth's Garage
Sep 8, 2017
Sep 6, 2017
Brilliant...... Well done Amanda K....x
Helen Cupac
Sep 6, 2017
Well done Amanda.x
Beverley Armstrong
Sep 4, 2017
Well done Amanda - loved seeing you at the start and finish xxso inspiring as always xxx
Sep 4, 2017
Well done Amanda, great effort!
Louise Porter
Sep 4, 2017
Well done Amanda you smashed it! 👌X
Crowdfunding stories like this
Great people make things happen
Do you know anyone in need or maybe want to help a local community cause?
Create you own page and don't let that cause go unfunded!About Crowdfunding


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Oracle, Watch Out: Salesforce Rises On The DMP Front
The data management platform (DMP) category is now a three-horse race, with Salesforce gaining on Oracle, and Adobe nipping at their collective heels. "Salesforce is definitely on an accelerated path," said Kevin Mannion, chief strategy officer at Advertiser Perceptions, which released its Q1 2018 DMP wave on Tuesday. "Its upward movement is the most obvious… Continue reading »
The post Oracle, Watch Out: Salesforce Rises On The DMP Front appeared first on AdExchanger.
Read more


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Composer library to handle emails with PHP
Installs: 156
Dependents: 1
Suggesters: 0
Stars: 0
Watchers: 1
Forks: 0
Open Issues: 0
- php: >= 7.0.0
- pear/mail: ^1.3.0
- pear/net_smtp: ^1.7.1
- net-tools/auth_sasl: ^1.0.0
- net-tools/core: ^1.0.0
Requires (Dev)
- phpunit/phpunit: ^6.0.0
Composer library to send emails with PHP
This package contains all classes required to easily build e-mails with PHP, in an object-oriented way.
Attachments and embeddings are supported.
Setup instructions
To install net-tools/mailing package, just require it through composer :
require net-tools/mailing:^1.0.0.
How to use ?
Quick email sending
To send an email in an easy way, just get an instance of
Mailer with default email sending strategy, and call
expressSendmail method. If no attachments to send, omit the last parameter.
Mailer::getDefault()->expressSendmail( '<b>This is a</b> test', 'email@example.com', 'firstname.lastname@example.com', 'This is a subject', array('/home/tmp/invoice.pdf') );
Email technical parts (text/plain, text/html, multipart/alternative, multipart/mixed) will be created automatically ; the default email sending strategy send emails through PHP built-in Mail() function.
Build emails
If you want to have more control when sending emails, you may build them with Mailer :
$mail = Mailer::addTextHtmlFromText('\*\*This is a\*\* test'); $mail = Mailer::addAttachment($mail, '/home/tmp/invoice.pdf', 'your_invoice.pdf', 'application/pdf'); Mailer::getDefault()->sendmail($mail, 'firstname.lastname@example.com', 'email@example.com', 'This is a subject');
To send emails with SMTP protocol (or any other email sending strategy in the MailSenders subfolder), create the Mailer (instead of getting it throught
getDefault) with the appropriate class name and an array of parameters :
$smtpmailer = new Mailer(MailSender::SMTP, array('host'=>'mysmtphost.com', 'username'=>'user', 'password'=>'1234')); $smtpmailer->sendmail($mail);
Parse an EML file/string to create a MailContent object
Sometimes you have an email and you want to display it on screen. However, you can't echo the raw content. You have to parse the email content to extract the appropriate part (generally, the text/html part) and if necessary the attachments (multipart/mixed part).
To parse the email, just use the EmlReader class and the
fromString or
fromFile static methods. They will return a
MailContent object :
// assuming that $email is a very simple email with a multipart/alternative content $mail = EmlReader::parseString($email); // this line prints MailMultipart (class name of the MailContent object) echo get_class($mail); // the following lines extract the text/plain and text/html sub-parts $textplain_content = $mail->getPart(0)->toString(); $htmlpart_content = $mail->getPart(1)->toString();
If your email contains attachments or embeddings, don't forget to call
destroy static method to delete temporary files created during parsing to store attachments and embeddings :
API Reference
To read the entire API reference, please refer to the PHPDoc here : http://net-tools.ovh/api-reference/net-tools/Nettools/Mailing.html
To test with PHPUnit, point the -c configuration option to the /phpunit.xml configuration file.


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Lana Kendrick Frees Huge GG Breasts from Bright Fishnet Top
German vixen, Lana Kendrick, has a wild appearance today. She is funky and foxy while wearing neon fishnet , hula hoop earrings, and big hair. She gazes boldly into the camera lens and poses her tall 5'11" body for sexiest effect. The Berlin babe tugs her net top off of her lacy bra and then frees her tremendous boobs. She has a jaw-dropping natural set of 32GG breasts that she shows off spectacularly. Watch that luscious rack of hers get covered in oil. She writhes on the sofa cushion while exposed to you today. Watch her touch her breasts and stretch her legs.
Click Here for Exclusive Lana Kendrick Photos and Videos


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|WWW Virtual Library: Logistics
|Clearinghouse Approved
|LogisticsWorld Logistics Glossary
Bill of Lading - A document issued by a carrier for the receipt of goods for shipment, and which describes the terms of shipment. Acronym: BL, B/L
Related Terms: Bill of Lading - carrier | consign | consignment | shipment | straight bill of lading | through bill of lading |
Bill of Lading (1) -
Itemized list of goods contained in a shipment.
Acronym: B/L
Reference: Truck Writers of North America (TWNA)
Inland Bill of Lading -
A bill of lading that applies to overland shipments to an international carrier.
Acronym: IBL
Shipper's Loan and Count -
A statement on a bill of lading that the shipper verified the loading and quantity loaded during transfer to a carrier for shipping.
Straight Bill of Lading -
A bill of lading that is non-negotiable and for which the consignment is made directly to a particular consignee.
Acronym: SBL
Through Bill of Lading -
A bill of lading that applies to domestic and international shipments.
Acronym: TBL
Search History: [ Bill of Lading ]
|WWW Virtual Library of Logistics
Ver 4, Sep, 1999, Matthew D. Cox, email@example.com
Sponsored by LogisticsWorld.
Copyright � 1995, 1996, 1997, 1998, 1999 MDC, All rights reserved.


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2016 Stanley Cup Continue How many Pittsburgh Penguins were made
Carrying out the indegent other round disappear altogether around the 2014 playoffs which will found they all let a 3-1 pattern direct move sort New york city Rangers, the actual Pittsburgh Penguins begun to generate major variations to get company, considering the most effective continue on acquiring the precise producing involving ordinary manager Set Shero.
To fine-tune these folks that they thought of as Ron Rutherford, the actual prior long-time ordinary manager around the Carolina Hurricanes. Given the actual Hurricanes' not sufficient being successful a short while ago, in addition to in fact this amazing was released be described as a short-term respond to, previously it was your concerned continue on around all those moments. Features couldn't get hold of any specific more practical by their own first 12 weeks at the office should the Penguins just about had missed the actual playoffs coupled with were all over again shoved around the playoffs making use of the Rangers.
Such this deviation on a yearly basis could make.
Many thanks a ton in just significant ingredient in order to Rutherford's whole vary from your roster of their total three years around the access work area, Conor Sheary Jersey the actual Penguins are sometimes from the specific Stanley Cup Continue about the first time just because recently where they could attempt the actual San Jose Sharks.
Whenever Rutherford lead to the actual tricky ingredient were practiced procedure due to the fact you can find the principle involving superstar gamers in just Sidney Crosby, Evgeni Malkin coupled with Kris Letang. Doing this were acquiring a respond to to make a set in close proximity to they all which may greatly enhance they all coupled with enable they all bring back to your function education. Only 7 gamers which will skated considering 2014 playoff pattern keep to the actual roster lately, coupled with couple of of (Marc-Andre Fleury coupled with Adore Bennett) will not be definitely having fun in excellent part about the following set.
This really is the way in which this amazing occured right after most people consider how this valuable present-day playoff roster were grow.
Rutherford features only recently been the cause of couple of river seaside sea breezes for any Penguins even if a variety of gamers via people today uses hold found a consider wanting from the specific NHL (Daniel Sprong, their own second-round pick out in just 2015, turned out in just 18 online games this coming year, even if Dominik Simon, Kris Letang Jersey their own 6th round pick out in just 2015, carried out in just three) not one person features definitely expert possibility to generate an impression. The main outcome their own couple of river seaside sea breezes hold found is certainly which will their own first-round pick out in just 2014 (Kasperi Kapenen) were made use of this chip around the most important deliver about Phil Kessel (we receives matched against which will around the bit).
General, the actual Penguins hold found 11 gamers is found in your playoff casino this coming year that are in the early stages drafted making use of the company.
4 of gamers, coupled with 3 with the pretty major like pieces, were picked out via Craig Steak (Sidney Crosby coupled with Kris Letang in just 2005, Evgeni Malkin in just 2004, coupled with Marc-Andre Fleury in just 2003) together with the franchise's cut down years around the in the past 2000s right after they have been normally finding at the the top of precise manufacture.
This is actually a look into many of the manufacture pick out effort despite the fact that involving what precisely regular pick out what you previously picked out and. Brian Dumoulin Jersey
Shero's manufacture record coupled with participator betterment were an important center on about review by their own period considering the set, and much much more previously it was proved. The actual Penguins built your application as a result of changing a number of manufacture ideas (or gamers they would these days picked out in just before drafts) about short-term reserving fees which will infrequently built an impression. Which will started off difficulties period where that they never ever expert plenty of manufacture ideas so that they can wholly recoup their own escalating system, this manufactured that they never ever expert possibility to deliver a pipeline involving radiant comprehension in order to entire the actual roster, this important a majority of these so that they can secure changing about extra reserving fees in order to load people today spots to make sure they could make an effort to gain with regards to the fantastic years involving Crosby coupled with Malkin.
However and often come across from the specific 2010 coupled with 2012 uses undertake generate a very few comprehension, an important that is definitely definitely Glimmering Murray, their own third-round pick out in just 2012. Which will 2012 system on top of that built Pouliot (drafted with a pick out bought available, that almost all united states could all over again get hold of to) coupled with Olli Maatta. Pascal Dupuis Jersey
Bryan Wrecking coupled with Fees Kuhnhackl, mid-round ideas 2010, can even be critical place gamers 2010 for any Penguins but still currently have made it simpler for deliver a variety of supplemental report.


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For many of us, taking care of our personal finance is a difficult task. Most people are deep in debt, spending money beyond their limits due to high rates of interest, easy accessibility to credits, and lack of knowledge.
To understand money and your expenses, you should look at your past and your personal experiences. For some people, money is considered to be negative or even evil by those who fail to manage it properly.
The truth is that money is neither evil nor good, but it is always good to have lots of it.
Below are some ways that can help you be on top of your personal finance.
Be Tough with your Personal Finances
You have to be very tough when dealing with your personal finances. It is very tricky to deal with personal finance. If we are not taught how to manage money at our young age then how can we learn? For majority of us, money is very difficult to manage and we often fall short of it. The reason for many men and women struggling to manage money is very simple.
Goals Should Be Planned
It is just a wish if you do not plan your goal. To be successful in anything, you should have idea of two things:
- Where you want to go: GOAL
- How you want to go there: PLAN
Work out and come up with your own list of short term, medium term, and long term goals. This plan should include everything, which will have your financial commitment like large purchases, retirement, holidays, building and emergency funds, etc.
As soon as your list is ready, decide on the expenses and time-frame for each of the objectives. If you feel that these things are attainable, then work out on the plans and start to put aside some money on monthly, yearly and weekly basis. This number will help you to reach your goals by doing regular contributions.
Be Aware that Your Earnings should be Greater than Money Spent by You
It's a no-brainer that your net income after tax should be more than your expenses in total. You have only two choices- either increase your income or lower your expenses. Majority of people feel that they cannot decrease their expenses. If you handle your cash flow properly, then you will know where the cash is leaking and you can reduce your expenses. This may require temporary changes in your lifestyle.
Spend Cash Wisely
Try to re-evaluate your expenses and your spending habits. Before purchasing a cappuccino in a coffee shop, think whether you truly need it. Being strict in your spending habits and spending cash for those items you really need will help you fulfill your long term goals. It is also easy to account and track one another.
There's something about looking at your very last $20 bill and recognizing that you still have 4 days left before you get 'paid' again! It genuinely can make you re-evaluate if you truly need to have that $5 cappuccino or if a regular coffee will do the trick.
Keep Some Emergency Funds
As the good old saying goes – only two things are guaranteed in life – taxes and death! But, there is one more guarantee in life –emergency at one or the other point. People, who own a house or vehicle, are mostly likely to face an emergency in 1-2 years, and when that happens, the money required to sustain those bad days will be lot more than what the monthly expenses. And, that's when the contingency funds save the day for you.
You ought to have your own emergency funds, which should be more than 4-6 months of your monthly expenses. You should always be financially prepared to face such emergency situations.


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When people plant trees they have to choose what sort of tree they want to plant. Some trees are native to their area, but others are not.
A sort of tree is native to an area if it has been growing there in the wild for a long time. If someone plants a tree from somewhere else but it spreads and grows in the wild in the area it does not become a native tree. Trees that are not native to an area are often called exotic.
There are often some benefits to planting exotic trees. Seeds for exotic trees may be easier to get. It may also be easier to find out how to grow exotic trees. This is because they have often been grown more in other places.
Some exotic trees may be tougher and live through harsher conditions. For example, they may be drought resistant. This means that they can survive long periods without rainfall.
There can be another good thing about exotic trees just after they have been brought into an area. They may start off free of the pests and diseases that damage trees in that area. This means that they may grow very fast to start with.
Exotic trees can grow very fast in new areas. Sometimes they can grow faster than the native trees. If this happens then they can spread across the area very fast. They can become a weed and cause problems.
An example of this is the black wattle. This tree comes from Australia. People planted it in Africa to grow for firewood. It spread very fast and has grown over pastures and people's farmland in some areas. This has made it harder for these people to grow crops and feed animals.
Native trees have been attacked by pests and diseases in the area for a long time. This means that they often have found ways to protect themselves from these pests and diseases. They may be able to survive attacks from them that would kill exotic trees.
Native trees are also used to the weather and soil in the area. This means that they may grow better in the area and need less care. They are used to the amount of rain that the area usually gets. This means that you may have to water them less than some exotic trees.
Native trees can also help to support native animals and insects which live on them or need them. These animals and insects may be important to people nearby.
For example, some animals might be hunted and used for food. These animals may live on native trees. This means that growing native trees can help make sure that there are plenty of these animals to use.
Some native trees in your area might be endangered. This means that there are not many of this sort of tree left. Endangered trees are in danger of disappearing forever. Some endangered trees may be useful for producing new medicines that have not been discovered yet.
This means that it is a good idea to try to save endangered trees. If you can grow an endangered tree this helps to save it.


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Patek Philippe
Gondolo Pocket Watch
Rose gold open face Gondolo pocket watch by Patek Philippe.
● The white dial features Roman numeral hour indices, rose gold spade hour hands, outer minute track with red 0-60 Arabic scale and subsidiary seconds at 6 o'clock. ● The dial is signed 'Raul de Caracas' and the case back is engraved with the initials 'RC' ● Cuvette is signed 'CHRONOMETRO GONDOLO / Fabricado / expressamente / para / Gondolo & Labouriau / Relojoeiros / RIO DE JANEIRO / PATEK PHILIPPE & CIE, GENEVE'
Our Reference – 6737
This item comes with a one year warranty and, an Extract from Patek Philippe's Archives.
- Enquiries
- Info
MATERIAL: 18ct Rose Gold
MOVEMENT: Manual Mechanical
CASE DIAMETER: 50mm
For many, Patek Philippe is regarded as the pinnacle of watch excellence. With timepieces always crafted in limited numbers, Patek Philippe's attention to detail and horological aptitude have granted the company acclaim the world over. Its beginnings however, were humble.
Antoine Norbert de Patek began making pocket watches in 1839 in Geneva, accompanied by his fellow Polish migrant Franciszek Czapek. The company that formed was called 'Patek, Czapek & Cie' and enjoyed relative success but, Czapek had grown restless and desired to form his own watchmaking company.
Meanwhile, during a visit to the French Industrial Exposition Antoine Norbert de Patek met a Monsieur Adrien Philippe who on that day had earned a Gold Medal for his latest invention, a mechanism for watches which allowed them to be wound and set by means of crown rather than a key.
After Czapek and Patek went their separate ways in 1844, Adrien Philippe joined the business and in 1851 the company now known as Patek Philippe was officially established.
Patek and Philippe sought to create a company that was at the forefront of luxury watches with superior movements and quality that far surpassed that of their rivals. Their desire for success granted Patek Philippe admirers in high society and numerous awards globally for horological excellence.
In 1902 Gondolo & Labouriau, a Rio de Janeiro jeweller, commissioned an exclusive pocket watch model from Patek Philippe with a golden gear train, which was known as the Chronometro Gondolo.
If one wished to own their own Patek Philippe Gondolo they would have to pay 10 francs a week for a maximum of 79 weeks. As a paying participant, one would gain admittance to a club, the Plano do Club Patek Philippe System, which as a private society did not fall under Brazil's strict public gambling laws. That was important because each week a lottery was held, and one of the 180 club members would win a Chronometro Gondolo, at which point they would drop out of the 10-francs-a-week payment scheme. After 79 weeks, the remaining members would receive their watches, having paid full price.
World History
- Start of the Gallipoli Campaign (lasting until January 1916)
- American singer, actor, and producer Frank Sinatra is born.
- First United States coast-to-coast long-distance telephone call, facilitated by a newly invented vacuum tube amplifier, ceremonially inaugurated by Alexander Graham Bell in New York City and his former assistant Thomas A. Watson, in San Francisco, California.


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Quinn Marcontell Group
Team, Ebby Halliday Realtors
- Direct Lisa (817)657-1294, Kelly (972)743-9171
- Email email@example.com
- Southlake Office
- 1575 E. Southlake Boulevard
- Southlake, TX 76092
About Us
A strong relationship with the Southlake community, expert industry knowledge, hospitality and heart are what make the Quinn & Marcontell Group the smart choice in Northeast Tarrant County real estate.
Lisa Quinn and Kelly Marcontell joined Ebby Halliday in 2015 and quickly became one of the company's Top Producing Groups. Together, they offer more than 35 years of experience and a strong passion for helping clients achieve their real estate dreams.
Lisa, a 15-year Top Producer with her former brokerage, partnered with Kelly in 2011. Prior to the partnership, Kelly spent many years selling land, custom homes and resale homes for area builders and developers. Her expertise in home construction helps her with selling resale and matching buyers with builders.
Lisa and Kelly's association with Ebby Halliday's dynamic Southlake office benefits The Quinn & Marcontell Group's valued clients through increased advertising, increased marketing, an increased number of agents working on their behalf, and the latest in technology. And, Ebby's focus on the future ensures the group's buyer and seller clients always enjoy the most innovative services available.


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23 Jan 2008
Swedish Experience of Environmental Management Sparks
Fresh Ideas for Hong Kong and the Pearl River Delta
January 23, 2008 - Hong Kong should adapt a more holistic approach to its environmental issues. That was the main message from "Sustainable Development - the Swedish Experience," an international forum held yesterday at the Hong Kong Convention and Exhibition Centre. Fifteen environmental experts from Sweden addressed more than 100 Hong Kong companies, researchers and academics at the forum, sharing their insight and experience in waste management, pollution control and sustainable economic growth.
The forum was organised by the Hong Kong Trade Development Council (HKTDC), together with the Royal Sweden Hong Kong Society, the Consulate General of Sweden in Hong Kong and Hong Kong Science & Technology Parks.
Speakers emphasised that
environmental challenges could be tackled effectively only through consensus-building
at all levels in a community, including government, NGOs, youth groups, consumers
and trade and industry.
Tony Clark, Commercial Counsellor at the Swedish Embassy in Beijing, and head of the Swedish Center for Environmental Technology (CENTEC), said that the Swedish Government was committed to "hand over to the next generation a society in which the major environmental problems have been solved."
He stressed the importance of environmental legislation and implementation. Government initiatives in Sweden include a carbon dioxide tax, a green-energy certificate requirement to ensure that companies use renewable resources, and the use of biofuels at petrol stations across the country.
CENTEC, he said, could work with Hong Kong in several areas, including awareness-raising, developing a regulatory framework, working on pilot projects in cities, helping to reduce greenhouse gases, tackling urban pollution and encouraging the use of biofuels in public transportation.
Peter Wenster, Senior Advisor at the Swedish Association of Local Authorities and Regions (SALAR), explained how self-government at the municipal level was a key factor in Sweden's success. Local governments were responsible for their own taxation systems, generating revenue to solve problems at the local level. Mr Wenster noted that acceptable solutions require shared responsibility, cooperation and open dialogue among the various stakeholders.
For better water management, Steen Bjerggaard, Director of International Projects, Stockholm Water Company, noted that digested sludge could be used to provide fertilisers, as well as heat, electricity and biofuels. The company helped transform lakes in central Stockholm to allow for bathing and fishing - something that could be envisioned for Hong Kong's harbour.
One often neglected area is waste collection, said Hans Strom, CEO of ENVAC, a Swedish waste management company based in Hong Kong. Mr Strom explained how waste collection can be moved underground with a process called ARCS (Automated Refuse Collection System), which minimises human contact with waste and drastically reduces odours. With ARCS, household waste travels down chutes to underground pipes, which then transport the waste to vacuum-sealed containers, where it is compacted and dumped in landfills.
The system, he said, is being used in various cities in Europe and in Singapore, Seoul and Guangzhou. Extended use of ARCS in Hong Kong would streamline waste collection and reduce the number of refuse trucks polluting the air and streets. According to Mr Strom, the investment costs would be about HK$5,000 per household, with an operating cost of HK$15 per month, per household.
"Swedish and Hong Kong companies should make effective partners in developing the huge market potential presented by environmental challenges and the growing determination to tackle them in this region," said Christopher Jackson, Director, Corporate Development, at the HKTDC.
The Hong Kong Government
has introduced a number of air-quality and environmental schemes. In his October
2007 Policy Address, the Chief Executive proposed a HK$1 billion injection into
its Environment and Conservation Fund. The additional funds will be used to
help Hong Kong develop a healthier, cleaner environment. A further HK$93 million
will be set aside to help Hong Kong-owned factories in the Pearl River Delta
region adopt cleaner production processes.
For more information
Please contact the TDC's Corporate Communication Department:
|Harsha Harjani
About the TDC
Established in 1966, the Hong Kong Trade Development Council (TDC) is the international marketing arm for Hong Kong-based traders, manufacturers and service providers. With more than 40 offices worldwide, including 11 in the Chinese mainland, the TDC promotes Hong Kong as a platform for doing business with China and Asia. The TDC also organises trade fairs and business missions to connect companies with opportunities in Hong Kong and the mainland, while providing information via trade publications, research reports and online. For more information, visit www.tdctrade.com


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DeQoded: What the Sheldon Pollock Row Is Really About
Are you afraid of being branded 'anti-national'?
This has been the atmosphere in the nation of late. As debates on 'sedition' dominated Parliament, 'anti-national ' has become the buzzword occupying the public space in the wake of the JNU controversy. Amidst this pandemonium is the growing chorus for the removal of Professor Sheldon Pollock as the chief editor of the Murty Classical Library.
But what exactly is Professor Pollock's crime?
Well, he signed a petition supporting the Jawaharlal Nehru students who were arrested on charges of sedition, and criticised the government.
In return, a counter-petition filed by 132 people sought his removal alleging "his deep antipathy towards ideals and values cherished and practised in Indian civilization."
The Controversy
Sheldon Pollock is Professor of Sanskrit and South Asian Studies at Columbia University. He has authored and edited numerous Sanskrit books, including a series of translated volumes of classical Indian literature.
The petition, signed by professors and administrators, accuses Prof Pollock of "misrepresenting India's cultural heritage" and showing disrespect to India's "unity and integrity." Citing a 1985 paper written by him, the petition claims that " Prof Pollock sees all shastras as flawed because he finds them frozen in Vedic metaphysics, which he considers irrational and a source of social oppression."
Rohan Murty, son of Infosys founder Narayana Murthy, and founder of Murty Classical Library, has come out in strong defense of Prof Pollock. In an interview to CNN-IBN, Rohan says Prof Pollock's detractors are trying to defame him.
If there are people out there who are resorting to this just to defame Professor Pollock, then that is worrying. They are free to disagree with me or Pollock, but if they become disagreeable, then it becomes difficult.Rohan Murty, founder of Murty Classical Library to CNN-IBN
Noted playwright and actor Girish Karnad too has voiced his support for Prof Pollock.
The man has spent decades of his life on studying and translating Indian texts, and the quality of his scholarship cannot be doubted. Academicians not giving a fellow academician his right to voice an opinion is a clear sign of intolerance.Girish Karnad, noted playwright, The Economic Times
In fact, referring to Pollock's book 'The Language of Gods in the World of Men', Karnad in his column argues, "It is the kind of scholarship that Indian scholars need to be doing. But who is capable of doing that kind of work today?"
Right to Dissent
Critics argue that the petition makes outlandish claims by distorting and misrepresenting Pollock's writings. Nandini Majumdar in her column argues the move seeking Professor's removal reflects an "alarming intolerance towards the very spirit of intellectual inquiry."
Referring to the said quotes from Pollock's 1985 paper, Dheeraj Sanghi, an IIT Professor, noted that the quoted didn't conclude that the shastras were " flawed." Karnad too argues, "They are bringing up a paper Pollock had written in 1985. If he wrote that paper in 1985, what were they doing all these years? They are out against him simply because of his stand on the JNU controversy."
Pollock himself defined Sanskrit as a "maker of bridges, not a divider. It built bridges to Buddhists, to Jains, to every vernacular language in South Asia."
Indeed, the JNU row has brought the issues of nationalism, patriotism, and sedition to the fore.
But does loyalty to the nation mean no dissent, no debate, no different ideas of India? We, as Indians, must decide.


text: For its size, this is one of the finest, most interesting cav's I have seen lately of the ball-style, as I call it. It features about 10 of them intergrown to form a rather large cluster winding very aesthetically across the top of this stilbite matrix, and creating a stark contrast! It is pristine and complete all around, and very 3-dimensional. Front and back shots are shown.


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Dog security – Why they are considered the best for security
Dog security is mounting day by day. With the fleet of time, the word security can be given a synonym as dog security. It is unmatchable. But the question that comes to mind is Dog security really the best or it is just hype. We all know and every pet owner could relate to me that dogs are the best companion and dog security is the best.
Even every law enforcement organizations hire dogs like a German shepherd, Labrador, and Golden retriever in the service. They are a part of many leading operations in order to save the country. Dog security has now been taken into consideration also because of their incredible senses, loyalty, intelligence etc. Even the latest technology cannot beat some of the security aspects given by dog security.
Let's stumble upon the fundamental characteristics which make dogs the best in the service.
Strong sense –
We have discussed this earlier many a times that dog is the only animal with the strongest sense. Which makes them best for dog security
Related article – Dog senses- Understanding the five senses of your dog
Attack Mode –
Take an example of the security camera, now when an intruder enters what a security camera can do, it will record all the actions going on and that can be used in next stages of the investigation. But when the same situation arises in the presence of a dog, the consequences can be dreadful. Here there are no weapons and no technologies but the paws are on with sharp nails and the bite is a deterrent.
Protection –
another point favoring dog security is the sense of protection. Any events, house, high profile areas hire dogs for security. This four-legged animal gives a clear strength and makes the intruder think before acting against you. The growling dog even on a leash is enough to lay back.
Loyal and intelligent –
Talking about loyalty and not mentioning the name of dogs is a clear mistake and unforgivable too. They will effortlessly cross all the limits to prove their loyalty. Many dogs have landmarked their names for loyalty and intelligence. We should not forget zanjeer who saved lives of many in the Mumbai Bomb Blast 1993. And, all other dogs on security who gives their life-saving us.
Natural Instincts –
We know the senses of dogs are very sharp and they can smell, hear see those objects which we cannot even think. The security alarm word could be best if I refer the same with the dog barking. A barking dog is not annoying you, but alerting you of the upcoming trouble or terror. A dog in duty does not bark without reason.
It is a myth; large dogs are more protective than small dogs. There is nothing in the size every dog is different and every breed is special. With proper training, a dog becomes a part of the lifesaving squad. Having a dog next to you whether he is security dog or a guard dog he is special. They are the great companions and the best and unmatchable security service. "I am safe" this feeling is precious and a small four legged animal gives you this without anything in return and guarding you with the best security.


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The Wildness
Fresh Thinking, Inspiration, and Vision on the Process of Spiritual Transformation
(Previn Hudetz offered preservice music on piano. Participants in the Heartbeat Drum and Dance Festival offered a musical piece: Steve Lange, Steven Kroll and Greg Hanson on djembe drums; Puck on didgeridoo; and Bill Grindell on Native American flute. Judy Holding Wilson sang "Heartbeat of Love," by Keith Hancock, accompanied by Keith on piano, and by Steve Lange and Greg Hanson on djembe drums.)
Good morning. I want to give deep thanks for what has happened on this property over the last few days during the first Heartbeat Drum and Dance Festival. As many of you know, I've been a drummer since I was seven years old, mostly in drum corps for ten years. When we come into July here in Colorado, every year they have a big show in Denver at Invesco Field, called Drums Along the Rockies, and this year they had a smaller show right here in Loveland at Thompson Valley High School. And I got to go!
It is a thrill to watch over a hundred young people—they're all under twenty-one years old—with incredible discipline. They work for perfection. The Cadets from Allentown, Pennsylvania, performed with nine snare drums whose sticks never break rhythm—you lose points if your sticks aren't exactly the same. So that's part of the beauty of it, watching their drumsticks whose motion is as synchronized as their march down the field.
As I enjoyed the concert here in the Dome last night and watched Greg Hanson's class perform, I was aware of the diversity of students in the class. Some sat down with a lot of ease, some sat down with a little trepidation, and others looked like they'd been drumming their whole lives. But when they started playing, I couldn't stop smiling as I took in the joy that they were throwing around the room. It would be hard to be there without smiling and joining in the fun. It was joyful to watch the drummers follow Greg's lead, all of them interested in one thing—being part of that team, bringing the magic they were creating together. And there has been more of that joy this morning.
Both discipline and freedom create the magic. In drumming, you get to be wild and free because you have discipline, not because you are in chaos. One of the reasons Sunrise Ranch exists is because people who want to know that experience in their living everyday together get to do it here. The heartbeat we feel touches and connects us all, whether we know it or not. So the stronger the association with the heartbeat, the more people have the opportunity to experience what we just witnessed on this stage in every day of their lives.
In our service last week, David Karchere was quoting The Three Musketeers: "One for all, and all for one." There is a victorious, joyous experience when I know that I'm doing something for the collective, of which I am a part. And when I am, I feel uplifted by the collective experience. The power of the experience is the oneness of what we're doing together.
I notice the joy of watching Steve Lange when he goes crazy on his djembe. Being a drummer, I know exactly what's happening, and I've seen it before. Some of you have seen it when I take a drum solo, when it seems like I've lost it and just take over the whole stage. When you hear someone say, "We're going to have to put a net over that girl," you know something's happening! But the drum solo is in a context. If Steve had just gotten up here and done what he did without anyone else onstage, it might have been beautiful but it was very different having him in the context in which he offered his vibrancy.
Having drummers holding a steady beat that you are playing around, on top of, inside of—it is ecstasy! Have you ever had the experience of being wild in your own expression because something else was being held and you felt safe, and you knew that the wildness was going to serve all? We need to find a way to welcome the wildness of everybody by holding and caring for the container in which the wildness can come. Then people can say, "Hey, that's me! I did that! We did it together, and I played my part."
You have to be both disciplined and free to have that experience. Our cultural background or our family background may hold us back in either of those areas. And it is possible that there are ways in which you see yourself that need to be "wilded up." There may be ways you approach your life that need to be freed up, knowing that a staid approach to life may have served you in the past, but that's not necessarily true in this context. It may not be true for you now.
So how do you reboot? How do you say, "That worked because it kept me safe and it kept me fitting in before and I was creative that way, but I have more to bring than what I learned in the context of my family pattern"? For me, I have more to bring than I learned through growing up in an Italian family in Buffalo, New York, versus in Los Angeles or Canada. And by the way, everybody from Canada is so polite—has anybody noticed that? I was in line once in the airport, and you know how they say, "Next…next…"? There was a group of passengers saying, "Oh, no, go ahead, go ahead." One of them said to me, "We Canadians are paralyzed by our politeness," because neither one of them would go forward and take the next step. And I apologize now to all the Canadians I've just offended, because there are several in this room—and they're not all that polite, quite honestly!—but you get my point: our cultural background, whatever it is, can imprison us if we let it.
There are ways in which we have seen ourselves that may no longer serve. When you step back and see and feel the heartbeat of life that is beating in this whole planet, you can sense the vital part you have to play in that. Many times human beings have said, "I'll do it the way I always have and see if it works out." And it doesn't. You end up creating misery. You create hell for yourself, and probably other people. You participate in life by being wild—not out-of-control wild but disciplined wild—wild in the sense that our nature is part of life, it's part of the dynamic of birth and creation and co-creation, and all kinds of things that are life-giving as opposed to life-draining.
Watching Drums Along the Rockies, I have been shocked to see they have dancers. We never had dancers when I was playing. I want to say, "There's no dancing in drum corps! You can't do that! That doesn't fit the real drum corps experience." And yet I realize that people are being new, wild and creative in the structure of what the rules are, and there are very specific rules.
Last year, one drum corps used lawn chairs as part of their performance. "There are no lawn chairs in drum corps!" But they set them up, and the brass line would sit on them and play, and then they would dance with them. It was incredibly inventive to see how you could be exact and gorgeous with a lawn chair.
Our service to the world is to think new thoughts about how we can be creative and bring the highest and finest we have to life on earth, and then do it. That's your heartbeat, your life beat, the highest and finest that can manifest through you when you say yes, I will. I will bring my wildness, my newness, because I love to be part of the dance.
July 19th, 2010
Posted in Jane Anetrini | Print this page
One Response to "The Wildness"
Staush Jankowski Says:
July 20th, 2010 at 5:58 pm
Jane: I've played drums since I was 12, but creativeness and innovativeness, I've discovered, is in our character, and we'll always be creative wild rebels, because it is in our nature to be different than the other next to us. This is the character of the Creator of All That Is, so then certainly it rests in our blood, tissues and marrow of our Beings. We are naturally creators, just as our Father in Heaven is, and what catches everyone's eye, every time, with respect to what is creatively expressed, is because it is our natural desire to give something back to Our Father, which is already encoded within our Beings. That means, being wholly concentrated in the present moment, which is coincidentally where Our Father is,generating something oh so rare: finer substance, will expression be fresh, vital and so different from anyone elses. We each have the characteristic of being an individualized fingerprint, so to speak. The Father awaits what we each bring to Him of creative value for whatever greater creative outworking yet to be filled. However, only I participate in this creative process. .not him. .. not her for me, but I alone, because I am solely valuable unto My Father.


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I summarize below how my different research papers tie in together. My primary research interest is investment management. Investment management is inherently a question of asset pricing, and I therefore also conduct research in asset pricing.
The central tenet of investment management is to find the appropriate trade-off between the expected payoff from an investment and its risk. Most of my research so far has focused on the latter part: how we can properly measure and manage risk, especially when an investor has many assets to choose from.
We first examined the behaviour of the market, size, value, and momentum portfolios. These portfolios are referred to as risk factors by academics and are used to explain the differences in average returns across stocks. For example, stocks with value characteristics (e.g. high accounting value compared to its market value) have had higher returns on average over the past century. A value factor, or more precisely a value-minus-growth factor, captures this source of performance.
These portfolios, which involve long and short positions in stocks, are also the basic elements of strategies used by some hedge funds. For example, hedge funds such as AQR Capital Management follow, among other strategies, a combination of value and momentum. Risk factor investing is also common in mutual funds. Firms such as Dimensional Fund Advisors were early small cap investors and Warren Buffet is probably the best-known value investor. More recently, the practice of combining risk factors, or more simply tilting a diversified portfolio towards stocks with certain attributes, has become known as smart beta investing.
An investor combining these sources of performance should be concerned with how they co-move together. If they all move in the same direction at the same time, then your portfolio is risky because you can simultaneously lose money on all fronts. Part of what makes them attractive is the fact that these long-short portfolios have low correlations between themselves, meaning that their returns do not usually go in the same direction. These low cross-correlations are not surprising: these factors are generally constructed to behave this way. Given these low cross-correlations, an investor can gain large diversification benefits by combining these long-short strategies in a portfolio.
But here the word usually is key; we show in Christoffersen and Langlois (2013) that these cross-correlations vary wildly over time and they hide striking dependence between extreme events. For example, we find extreme dependence despite close-to-zero cross-correlations, which means that when one risk factor is having its worst day in history there is a chance that another risk factor is also having its worst day in history. This may remind some of the Quant meltdown in August 2007 during which the returns of many long-short strategies favoured by hedge funds tanked despite the overall market barely moving.
What is problematic is that the standard statistical measures of risk—volatility and correlation—do not allow for this possibility. Even worse, there were few flexible econometric methodologies that could model both close-to-zero cross-correlations and extreme dependence.
In Christoffersen and Langlois (2013), we propose a flexible econometric methodology that can account for multiple facets of risk in the data.[1] Our methodology better captures how risk factor returns actually behave. We show that funds combining long-short strategies based on these risk factors can increase their risk-adjusted returns by more than 1% per year when using our methodology. This added value is impressive given that it comes from simply using a better risk model, not better forecasting the profitability of these strategies.
We then went beyond risk factors in the U.S. equity market and turned our attention to international equity markets. The structure of international financial markets has changed over the past few decades; barriers to international investment have fallen and financial markets have become more integrated. We show in Christoffersen, Errunza, Jacobs, and Langlois (2012) that measures of dependence between national equity markets have at the same time greatly increased. Higher correlations and higher occurrence of joint extreme events (e.g. crises) imply that the benefit for an investor of diversifying his portfolio internationally has decreased over time. For example, a U.S. investor allocating a part of his wealth in Germany and Japan would have improved his portfolio risk-return profile a lot in the 1980s. Nowadays, these gains are lower.
To model these patterns we generalize the econometric methodology of Christoffersen and Langlois (2013) in two different ways. First, we introduce a trend in long-run correlation. Correlations of short-term returns (i.e. weekly or monthly) depend on current market conditions, but in addition, they fluctuate around a long-run value that slowly increases over time, a feature robustly supported by the data. Second, we adopt an estimation methodology that allows us to estimate our model on a wide set of countries. It is this large set of countries that makes it possible to capture the time trend in average dependence measures.
We show that correlations, but also dependence among extreme events, have increased between developed country equity markets (e.g. between the U.S. and U.K.), between emerging country equity markets (e.g. between Brazil and India), and between developed and emerging country equity markets (e.g. between Japan and Russia). While a large proportion of the benefits from diversifying across developed countries has disappeared, larger gains remain in diversifying across emerging markets. The intuition is that while crises may be more frequent in emerging markets, they are more country-specific than in developed markets.
To better illustrate how these diversification benefits in international equity markets have gone down, I developed a new measure of conditional diversification benefit. The objective was to find one measure that could summarize several risk measures (volatility, correlations, downside risk, tail risk, etc.) into one meaningful measure of portfolio diversification.
We start with a well-known and widely used risk measure: the expected shortfall. In a nutshell, the expected shortfall is the average portfolio loss one can expect given that the loss on the portfolio is equal to or larger than a pre-chosen level. If you determine that you are in trouble if you lose 5% or more on your portfolio, then the expected shortfall tells you how much you should expect to lose in such case (is it closer to 5% or to 20%?). We use this risk measure because it respects a set of nice mathematical properties that a risk measure should have.[2]
The expected shortfall of a portfolio has two natural bounds. It cannot be lower than the pre-chosen threshold (e.g., 5%), a situation in which all portfolio losses equal to or larger than this level actually are equal to this threshold. Think of buying an insurance contract on the value of your portfolio which would pay you the extra loss in such case. At the other end of the spectrum, the expected portfolio shortfall cannot be higher than the average of the expected shortfalls of each asset weighted by their weight in your portfolio. This situation corresponds to the case in which combining these assets in a portfolio does not bring any diversification benefits.
The Conditional Diversification Benefit measure, CDB, is the distance of our portfolio's expected shortfall, ES, to its upper bound, max(ES), standardized by the distance between the two bounds: ( max(ES) – ES ) / ( max(ES) – min(ES) ).
The conditional diversification benefit measure is extremely useful and has intuitive properties: it does not depend on the asset expected returns which are notoriously hard to measure[3] and it varies between zero (no diversification benefits) and one (perfect diversification). By measuring its value at different points in time, we can describe the evolution of diversification benefits obtained from a portfolio.
Using this measure, we show that diversification benefits have been halved since the 1970s for developed countries. In contrast, diversification benefits among emerging markets have decreased by around 25% during the two decades up to the end of the 2000s.
What about diversification in other asset classes? In Christoffersen, Jacobs, Jin, and Langlois (2018) we show how to measure time variations in risk of a large portfolio of corporate bonds. Whereas we considered up to 33 equity markets in the previous paper, here we show how we can handle credit securities of more than 200 U.S. firms. Our methodology is useful when allocating a portfolio, assessing the risk of a portfolio, or even pricing a structured product on a large set of bonds.
We find that the dependence between the prices of default insurance (i.e. credit spreads) on large U.S. companies' debt has spiked during the financial crisis of 2007-2009 and has remained elevated since. In comparison, the correlation between the stocks of these same companies has spiked later in the crisis but has since come back down. When measuring the Conditional Diversification Benefit measure for an equal-weighted portfolio of investment grade corporate bonds, we find that they have decreased by more than one third during the 2000s.
We find further evidence that our dependence measure impacts the level of credit spreads for these U.S. corporations; higher dependence between a firm's credit spread and the average credit spread in the market is associated with a higher credit spread level.
[1] We model time-varying volatilities and cross-correlations, and univariate and multivariate fat tails and asymmetries.
[2] See Artzner, Delbaen, Eber, and Heath (1999) for a thorough discussion of coherent risk measures, and Basak and Shapiro (2001).
[3] They cancel out when computing the ratio.


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BirdRes, the B2B distribution channel from Bird Group, has joined hands with OYO, the budget hotel aggregator. With this association, BirdRes would give OYO access to its nationwide network of travel agents and help expand its business in the India market. Rakesh Mehta, Manager – Operations, BirdRes said, "We are pleased that OYO has chosen BirdRes as their preferred B2B partner. This partnership will offer BirdRes customers an easy access to book OYO Rooms for their clients through a simple and hassle-free payment process. Further, it will offer OYO a large platform to offer their services to a wide range of travel agents all over India. At BirdRes, we continue to offer flexible and user-friendly solutions to our partners and customers." On the partnership, Abhinav Sinha, COO, OYO, said, "We are glad to partner with BirdRes for our channel expansion efforts. With over 25,000 registered Travel Agents, the platform provides us seamless access to this preferred network of India's top corporates and mid-sized businesses. It enables us to offer OYO's hassle-free stay proposition to a new set of corporate travelers across the country."Read More »
Ezeego1 introduces B2B portal for NE agents
Ezeego1 has launched an advanced B2B web portal for travel agents in North East India. Neelu Singh, CEO & Director, Ezeego1, said, "We see strong potential in the North-East India, that is set to witness rapid progress in the travel and tourism industry. The advanced portal aims to support the need of the growing client base of travel agents and tour operators in North-Eastern cities of India. Our portal will give travel agents access to our strong distribution network and technological expertise to market their products and expand their travel business." The portal's characteristics assign agents with unique login credentials and allows them to sell their products to customers with their own branding. Further, it enables agents with optimal flexibility through GDS and LCC integration as they can access schedule, fares and make flight and hotel bookings instantly. The 'Hold' option feature allows agents to book flights in advance, lock-in the flight fares for a specific time period while they confirm the bookings with the customer. Additionally, travel agents will get access to 5,00,000 hotels worldwide, can review and choose hotels based on suppliers and deals. The advanced B2B portal was introduced at an event in Guwahati and saw an overwhelming response from more than 50 leading travel agents and leading domestic and international airline partners including Air India, Vistara, Jet Airways, Singapore Airlines, Thai Airways, Etihad, Emirates, Qatar Airways, and Cathay Pacific.Read More »


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In case you hadn't heard, New York Fashion Week has started! Yes, we know we're more than a little over excited, but as our two favourite shows (so far) have proved this afternoon, we have every reason to be.
Obviously, it all gets a bit confusing what with the new season (AW14) just starting, and our wish lists crammed with coats upon coats upon ankle boots, and then fashion week comes along and throws a whole new climate (that's SS15) into the mix. That's why, when we saw some key trends we've already invested in popping up at the shows earlier today, we almost jumped from the FROW and onto the catwalk to plant a big appreciative kiss on Coach designer Stuart Ververs and the BCBG duo Max and Lubov Azria.
Yes, over at Coach there were fluffy pastel coats, colour pop mini skirts and some flatforms which didn't look totally unlike our faithful Birkenstocks we're still refusing to remove. Add to that the coloured leather dresses (in AW14's 'it' shade, orange!), lightweight animal motif knits, kick flare trousers and a distinct '60s influence, and you're basically looking at a whole lot of current trends that have just been tweaked slightly for a warmer season. Don't even get us started on the leopard print cover ups and co-ords- that's basically your off-duty staples nailed now!
Meanwhile, over at BCBG, we saw dreamy, draped gowns in fluid silks, all in a romantic palette of dusty pink and soft grey. There were asymmetric necklines, tiered skirts and white-washed looks, including a very
covetable, cropped biker jacket. Hints of Eastern-inspired silhouettes surfaced with a smattering of floral prints and stripes, all tied together with origami bows at the waist. As for the accessories, there were strappy sandals, peep-toes and mini bags- oh my! Does any of this sound familiar?
We've even shopped the high street for you to find some key pieces to help you be oh-so-fashion-forward and rock these looks now. And what's even better is, while we can try these trends for autumn, it's also good to know that come next spring, we won't need to worry about completely overhauling our wardrobes. So far at New York Fashion Week, so successful. Now we're even more excited about the rest of the shows. Bet you didn't think that was possible, did you?
Follow us on Twitter, Instagram and Pinterest for even more NYFW updates- see you on the FROW!
By Hannah Banks-Walker


text: SET- Complete perfume glass, 50 ml, transparent+ Black, PP crimp fine mist sprayer+Black cap - EASY CODE: 102743 Sale In stockAvailable in small quantities! Stock (In main warehouse) 73 pcs Stock (In other warehouse) 0 pcs Qty pcs Sample request Retail prices 3400-5000 £1.6535 £0.8148/pcs 1000-3399 £1.7198 £0.8476/pcs 300-999 £1.7863 £0.8803/pcs 2-299 £1.8528 £0.9131/pcs 1 £1.9193 £0.9458/pcs Wholesale Wholesale inquiry Qty pcs Net prices. You can switch between GBP/EUR prices by using the currency exchanger in the header of the website. Shipping information Most products can be ordered in other colors than those displayed, but also in colors of your choice. The product color displayed on the screen may differ from the real color. Please bear in mind that a longer than displayed shipping term may be in place for certain products, or there may be a minimum order quantity. All In Packaging assumes no responsibility for product compatibility. Customers are advised to perform stability testing before an order is placed. Prices and other data are subject to change without notice. Share Name of your friend E-mail of your friend Your name Your e-mail Your message SET- Complete perfume glass, 50 ml, transparent+ Black, PP crimp fine mist sprayer+Black cap - EASY http://allinpackaging.co.uk/index.php?dispatch=products.view&product_id=5271 Features Volume: 50.00ml Colour: Black Transparent Material: Glass Neck type: Crimp Type: For perfume Category: Sets Field of use: Cosmetic Shape: Square Weight 147.30 g Ask about the product Amount Text Question Email Name Anti-bot validation


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Out of all social media platforms, Instagram is by far my favourite. I love seeing all the creativity that is put into making sure your feed looks good, your pictures show personality and being able to engage with your followers in such a great way. I've been on Instagram with a personal account for years, not really being too careful with what photo's I posted. Most of them were of holidays or pictures with friends. When I opened my more "professional" account, I started to carefully choose and edit the photos for my profile. Over the last 6 months, I feel that I've found my "own" Instagram personality in my photo's and I'm super happy with the way it looks. Because lots of you have asked me this on Instagram, today I'll share how I edit my photos!
This is the starting photo I took with my DSLR camera. I don't always use my camera to take photos, my phone takes about half the photos you find on my Instagram, but I like using my camera every now and then to create more professional images.
I mainly edit my photos in the free app VSCO. I did buy a couple of extra filters but apart from that it's 100% free to use and I love using it. It's super easy and once you start to understand the basics, you can edit any photo in it the exact way you want. I don't use the same filter for every photo, it depends on what looks best. My favourite filters are HB1, HB2, G3, F1, A7, and A8.
Even though I love the way the filters look, I think they're a bit too strong when you put them on. This is why I usually put it down to about 9 or 10 out of 12. The sharpening tool is very good on the app and I always make sure to sharpen the image. Especially for Instagram, you can't get away with anything blurry.
The next little changes may seem very unimportant as they don't make any big changes on their own. I do think that they all add up to making the image look even better and brighter. First I edit the highlighter, usually around 3 or 4, depending on the image. I always use the tint tool, it makes the image look a little bit more pink, which fits great with my feed. The temperature helps to make the colours look just a bit nicer and I use exposure to lighten up everything just a little more.
After that, I export the photo to Instagram where I edit it just a little more. The highlighter tool in Instagram works surprisingly well for me. I always light it up just a little more. Adding a little more pink with the colour tool. For me, it works best to add a very tiny bit (only 2 or 3) of pink on the shadows, but feel free to play around with this. I add a little bit of warmth for the colours and that's it!
And there is it! The finished photo! Obviously, I don't use the exact same numbers for every photo, but I do use the same tools and filters. In creating a feed that looks whole instead of random photos put together, I think using the same kind of tools and filters helps massively. It ensures the same kind of vibe and colours in your pictures.
Let me know what apps you use to edit your pictures and leave your Instagram handle in the comments so I can check it out!
Check out my instagram!
39 comments on "How I edit my instagram photos"
Altijd leuk om te zien hoe anderen foto's bewerken! VSCO is een hele fijne app 🙂
Ik bewerk ook m'n foto's met VSCO, geweldige app met zoooveel mogelijkheden! Wat 'n prachtige blog heb je trouwens 😀
Ziet er ontzettend goed uit! Ik blijf altijd maar prutsen met deze app haha. Maar het resultaat mag er altijd zeker wezen als ik het zie.
Mooie foto, zowel voor als na het bewerken! Ik pas eigenlijk alleen de belichting aan op mijn foto's over het algemeen, zodat het er niet grauw uitziet.
Awesome! Pretty pics!
I followed you on Instagram just now and I have definitely fallen in love with your feed! You can tell how much effort goes into the creation of every photo, so well done to you! I definitely need to download VSCO, it seems to be a blogger staple but I've yet to experiment with it! Thanks for sharing your advice!
Abbey 😘 http://www.abbeylouisarose.co.uk
Thanks for sharing, these are some awesome tips and I use a similar process x
Kayleigh Zara 🌿www.kayleighzaraa.com
That mug is so over cute!😍💕
I absolutely love VSCO, I used to use the filters and HB1 and HB2 were my faves too, but now I just change up the brightness, sharpen them etc. exactly the same way for each photo to create my Insta 'theme' <3 Great minds think alike 😉
Thank, this was very useful. I deleted instagram due to mental health 2 years ago, but the editing advice is great for blogging pictures too. Didn't know about this app before so thanks for sharing!
Thank you for sharing this. We've tried this app before but it didn't work for us but it seems we're not doing it right haha will give it another go!
Jessica & James | http://www.foodandbaker.co.uk / http://www.foodandbakertravels.co.uk
I so needed to read this! I really want to up my Instagram game so this will definitely help me. Thank you!
Sarah | http://www.justbuttonsblog.co.uk
ik vind het altijd grappig hoe anderen met dezelfde app werken maar het resultaat toch altijd anders is. Mooi resultaat!
I could always find a way to step up my Instagram game! Thank you for this 🙂
This is really helpful! Thanks for sharing your tips!
VSCO is my favourite too! It's grest because when I first downloaded it they had a ton of filter packs in the store for free, so always worth checking it every now and then! I never thought about messing with the highlights for a bit of subtle brightness – I'll definitely try that next time.
Alice x | invocati
This is so useful! I'm slowly trying to grow my Instagram account and I'm always looking for advice on how to better my photos.
I think using a similar filter for each photo does help to create a more aesthetically pleasing feed.
My instragram is: lovedbyabbiechic
Such good tips! I dont' really edit my photos at all! :/ No idea how I manage to get away with it lol
Erin || MakeErinOver
Love your instagram feed! I love using snapseed and the instagram editing tools to edit my photos.
My instagram: https://www.instagram.com/hale.blog/
Aleeha xXx
I haven't tried VSCO although I know it's the go to for many Instagram users. I used to use Snapseed but I seem to be using Color Story a lot more now. I do like the look of VSCO though, I shall have to investigate further. Thank you for sharing these tips!
Lisa | http://www.lisasnotebook.com
ThNks for these hints and tips 🙂
Such a helpful post and your photography looks gorgeous too! Have a great Christmas:)


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It's time once again for our Stamp of the Month Blog Hop! This month, we are featuring June's Stamp of the Month, Life is Tweet, set of 15.
If you've come from {Brae's Blog}, you're on the right path. We have about 55 Close To My Heart Consultants sharing their creations using this month's SOTM and other great CTMH products on their blogs. This is simple to do - just click on the link at the end of the post on each blog to move to the next one! Here we go!
ideas and inspirations on my website. I just used what I had readily available (if you could see my disaster area, you would understand "readily available"). The card base is cut with the Cricut AP using [square4] and the card layer at 4 inches. The Colonial White piece is cut at 3 1/2" using [square4], then stippled with Desert Sand ink using the Stipple Brush from the Texture Tools. The Lagoon strip is stamped with the border in Lagoon ink. The flower is also cut with the Cricut AP - [flower5] at 2 1/4 inches. I added in a Foundry Pin Clip and a Flutter Paper Shape inked with Cocoa ink.
Cardstock: Desert Sand, Lagoon, Colonial White
Ink: Cocoa, Desert Sand, Cotton Candy, Lagoon
Accessories: Foundry Pin Clips, Just Blooms Flutter Paper Shapes
Don't forget, the Stamp of the Month is only available until June 30th! Contact your consultant, or click here!
Everyone who purchases the Stamp of the Month from me is invited to my FREE Stamp of the Month workshop next month where we will create a fabulous project or two using Friendship Bouquet. Check my calendar for dates and times!
Until next time...


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Courtyard Marriott El Cajon scheduled to open Feb. 24
Scheduled to open Feb. 24 with a grand opening in planning at a later date, the Courtyard Marriott San Diego El Cajon is owned by Excel Hotel Group along with many other hotels. It has 120 rooms, with 10 suites. All rooms have microwaves, refrigerators, coffee makers, smart TVs in tandem with amenities such as laundry service, a recreation facility, pool, whirlpool, free Wi-Fi throughout, and charging and working stations. It has an exterior celebration patio lawn and it's Pacific Ballroom. The exterior patio is more than 3,000 sq. ft. and the ballroom 4,500 sq. ft. The rooms have beautiful views over downtown El Cajon and the El Cajon Valley and the rooms are spacious. It includes The Bistro that serves breakfast, lunch and dinner seven days a week that features a Starbucks and a full service bar.
Rachel Lynch, Courtyard San Diego El Cajon director of sales has big plans for this newest edition to downtown El Cajon, not only in making it a successful destination, but also in its work within the entire East County community.
"Besides our inbound travelers that are coming to visit the corporate businesses around the Gillespie Field and East County area, we are hoping to have movies on the lawn, concerts including jazz, country and western night, wine tasting, and having breweries come in and showcase their brewery," she said."We would also like to work with non-profit organizations that need to hold galas, awards along with weddings, quineañeras, retirement and anniversary parties. We are going to reach out to the public to work with us instead of downtown and paying $50 for parking. They can have a nice facility, brand new and at this time we are not charging for parking. We also have the catering services to cover these types of events."
Lynch said it is looking forward to the opening of the East County Performing Arts Center so it can bring stars, plays, musicals to the area and house them at the Marriott.
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For more information about the Courtyard Marriott visit www.marriott.com/hotels/travel/SANEC
Contact Rachel Lynch at firstname.lastname@example.com, (619) 334-6999 (office), (858) 740-6003 (mobile).


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You arrive peniless on an idyllic South Pacific Desert Island, as it just so happens scattered around the beach and in various huts (and some hidden locations) there are a variety of Pool tables and sub games to pass the time. On the beach sheltered under the palm trees there is a practice table were you can enhance your skills and watch the waves rolling in.
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If there are man caves, there should also be she-sheds! Take a look at these adorable sheds for women and be inspired to build your own. 🙂
Want a place of your own for crafting, sewing, gardening? Or perhaps you're looking for a private place of solace? These ideas might just motivate you to finally build your dream shed.
What's great about she-sheds is that they don't usually require large areas for you to have a decent and convenient workspace. Can you see your dream shed coming to reality?
If you've already got one, why not share it with us? 🙂
Click on any image to start lightbox display.Use your Esc key to close the lightbox. You can also view the images as a slideshow if you prefer
Garden Blogger's Retreat
Sewing Shed
Crafts Shed
Shabby Streamside Studio
Fifties Inspired Shed
Summer Houses
The Sweet Shop
DIY Tiny Cottage
If you liked these, you will also like viewing these sheds…
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Though Finn brought a lot of physicality to Star Wars: The Force Awakens as the temporary holder of Luke's lightsaber, actor John Boyega has teased that his character will have an even greater physical presence in Episode VIII. The 23-year-old, English actor also stated that the next film will be darker. Said Boyega, "[The script is] great. Much darker, but we're very excited... My part in the next film will be much more physical so I might be in the gym a bit more."
The Force Awakens didn't exactly illustrate that Finn was Force sensitive so it doesn't appear that he's walking the same path as Rey towards becoming a Jedi. As the conflict with the First Order and the Knights of Ren continues to play out in Episode VIII, what role do you think Finn will play?
Star Wars: Episode VIII arrives in North American theaters on May 26, 2017. Rian Johnson takes over from J.J. Abrams.


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Feb 12, 2018
The Allegheny Mountain Collegiate Conference Men's and Women's Swimming Championships begin this week. The four-day championships, which are hosted at Penn State Behrend's Junker Center, start on Wednesday, February 14 and last through Saturday, February 17.
Whether you're planning on attending the championships in person, or if you'll be following along at home, fans are strongly encouraged to visit the Championship Central website by clicking HERE.
The Championship Central site will include daily results from the preliminaries during the morning and the finals in the evening, along with live video of all the events, ticket and parking information, and more.


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Current Practices in Working With Special Education Paraeducators.
Use of this dissertation is restricted to the UNT Community. Off-campus users must log in to read.
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Current Practices in Working With Special Education Paraeducators., dissertation, December 2006; Denton, Texas. (digital.library.unt.edu/ark:/67531/metadc5421/: accessed February 16, 2019), University of North Texas Libraries, Digital Library, digital.library.unt.edu; .


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Friday, October 31, 2008
A Gathering of Stones
The little swirling spiral is actually made from the movement of the water, the stones merely reinforce and mirror the motion.
The stones were all collected from the same river as the one they are now reflected in... but from much further upstream in the mountains. I wonder how long it takes the water from up there to get here?
One more spiral and then some more Faerie Houses are up next ! Thanks for stopping by and Happy Halloween Everyone !
2 comments:
- ARTINZONA said...
This image would be a brilliant companion piece to a Haiku that I wrote in 2000:
Smooth rocks remember
The days when they were jagged.
So does the river.
Sally, You are taking advantage of your versatile environment in so many breath-taking ways!
I'm blown away by the clean simplicity that manifests into such powerful images. Fabulous work and I can envision your enthusiasm.
In different ways, all my work stems from a desert environment. I have only been in Arizona for less than two years, and I feel like a kid in a candy store.
I admire your tenacity to work in the cold, however.......it would do me in. :-)
Best Regards,
Savannah O'Brien
- December 17, 2008 at 8:04 AM
- Sally J Smith, Environmental Artist said...
Thank you Savannah so much !!
I love your Haiku !! You are right, it IS perfect.. if I ever publish this image, I will contact you to see if you would allow me to use this poem, with credit of course, and hopefully some other form of energy exchange.
As for working in the winter.. I do love the ice, but not the cold.. but it's what I have to deal with to work with the ice. I would LOVE to explore other environments some day.. The things I could do with cactus spines ! ;-)
Thank you again for your kind remarks !
- December 19, 2008 at 1:27 AM


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Sarah Ann Olmstead
Born Mar 31, 1874, Lehi
Died Jan 21, 1885
Maybel Olmstead
Born Aug 7, 1883, Lehi
Died Apr 14, 1888
Children of Loren Marsh Olmstead and Sarah Ann Royle
Burial location: 64-18-5a, 64-18-6
Contributed on 9/2/06
Record #: 13404
On this site you can upload gravestone photos, locate ancestors and perform genealogy research. If you have a relative buried in Utah, we encourage you to upload a digital image using our Submit a Photo page. Contributing to this genealogy archive helps family historians and genealogy researchers locate their relatives and complete their family tree.
Submitted: 9/2/06 • Approved: 9/8/06 • Last Updated: 12/2/12 • R13404-G13403


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"Nice"…you'll be missed!!!
Jeffrey Barnett, 51, of New Haven, entered eternal rest on March 25, 2018.
He was born in New Haven, CT, November 30, 1966, a son of Elkana Barnett.
In addition to his mother, he leaves to cherish loving memories, a brother, Robert Barnett; sister, Joanne Barnett; and a host of other relatives and friends.
A celebration of Jeffrey's life will be held Monday, April 2, 2018, at 11:00 AM at Curvin K. Council Funeral Home, 128 Dwight St., New Haven. Viewing will be held from 10:00-11:00 AM. Burial will be in Evergreen Cemetery.


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Cute, Dorky Video on Inheritance
I imagine this has been around for a while, but my class is just starting its inheritance unit and the Biologists's Mother's Day Song recently came to my attention. I know it's not even close to Mother's Day, but the … Continue reading
Posted in Just for fun Tagged inheritance, mother's day, Song Leave a comment


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The Indian television industry is full of young and talented actresses but there are some who simply stand out. Despite being away from television screens for long periods of time, they manage to keep their charm alive. Praachi Thakker, wife of popular actor Pankit Thakker is one of the few who do not appear in dramas very often but whenever she does, she makes sure she leaves her mark with her outstanding performance.
An actor who treats her work as a means of expression rather than a means of fame and fortune, Praachi has made her mark with effortless performances in shows like Havan, Kasautii Zindagi Kay, Kaagaz Ki Kashti and Tamanna.
When asked about her sabbatical from television Praachi said,
"I am not seen in dramas often as I never seek recognition. If I were hungry for fame, I would have been doing television shows left, right and center. I am into very selected work for television because I am busy with other things which I find more appealing."
During her sabbatical, she has been a part of a number of television commercials including the recent Colgate ad which received positive reviews from critics and audiences alike. The commercial has also gotten her noticed by a major channel who is keen on signing her for their next big project.
"Yes I have got an exceptional response on my new Colgate ad and I have been approached for a pivotal role on one of the top GEC, but cannot divulge details as of now", quips the actress. When asked whether she is back to taking up major roles, she says, "Yes, I will surely consider if I get something good".
Like all her ardent fans we too hope she makes her comeback soon!


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