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Retail investors are not fully equipped to deal with these volatile markets.
Charles White-Thomson
CEO, Saxo Markets UK
Summary: Their wealth and fund managers have missed a significant opportunity.
We don't need no education
We don't need no thought control
No dark sarcasm in the classroom
Teacher, leave them kids alone.
Pink Floyd, Another Brick in the Wall
Wealth management firms that may have taken these lyrics to heart and believe that retail investors will continue to pay for mediocre service amid continued market volatility and remain fully invested are in for a rude awakening. Their buy and hold approach, which many wealth managers rely on to maximise their fee income, is at best unsuited to these choppy markets and at worst it is not acting in the best interest of their clients. To paraphrase Pink Floyd, retail investors need education, they need to have greater control of part or all of their portfolio, sarcasm in a healthy dose is a good thing, and the 'teachers' or wealth mangers have a role to play in providing guidance and a full set of tools that allow investors to generate returns.
The advice given to the UK retail investors over the past decade has been straightforward and well marketed - be fully invested, stay confident and keep buying, especially when there is a dip or a correction. Backed by low interest rates and supportive monetary policy, many have taken this advice and remained fully invested, to varying degrees of success. The wealth and asset management industry has enjoyed strong growth in assets under management which has supported their respective share prices. Scale has been important for these firms and innovation has been volume based, including successfully migrating part of the retail investor focus to the Index trackers and ETFs away from the actively managed funds.
While the 'stay fully invested' mantra in low-cost ETFs and other passive and quasi-passive instruments may have worked well in rising markets, in volatile markets the imperative is on diversification and proactive management of risk. A passive approach to investing can breed complacency and wealth and asset managers have missed a significant opportunity to educate and offer their clients diversification. They should have embraced the fact that portfolios have many gears, including the ability to make money when the market declines by going short; capital preservation, including stop losses; hedging of larger positions; vanilla derivatives; a balance between active and tracker funds; use of technical analysis to help timing; and the power of leverage and financial instruments including CFDs.
Notwithstanding the shock from the pandemic, the recent sell-off in equity markets came on the heels of a confluence of factors which predate the pandemic, including stretched valuations, an over-reliance on passive or quasi-passive strategies, and should serve as a lesson for wealth and asset managers as well as retail investors. Faced with losses or meagre returns, the question that wealth managers and retail investors alike should be asking today is how can they build resilience and flexibility in their client portfolios moving forward?
Building a platform that offers the retail investor the ability to buy and sell financial instruments in all their forms takes patience, effort and a strong technology skillset. Not everyone will be able to do it or will want to, which is why we should expect to see some M&A in the wealth and investment management space along the way. From a regulatory perspective, the traditional 'buy and hold' market provided by wealth and asset management firms may be simpler to regulate but is unlikely to serve the retail investor well. With this in mind, regulators will also need to be satisfied that retail investors will be equipped to deal with a broader range of instruments. Suitability checks will need to be an important part of the process to achieve this.
The biggest change however will need to come from retail investors themselves. The crisis offers an opportunity for investors to challenge their wealth managers into making this shift. They should understand what restrictions are in place that stop them from having access to the range of instruments which would greatly help to diversify their portfolio and therefore introduce resilience in their performance. Examples of restrictions coupled with mediocre service include: poor access to funds or instruments that offer downside protection; an inability to buy cash-only ISAs, single stocks, bonds and other instruments in the US, China and rest of the world; opaque data and reporting, including no capital gains reports; and last but not least mixed loyalties or being slow to remove high-profile underperforming fund managers from their platforms.
The impact of excessive fees on performance and capital appreciation should be explored in detail. This is not to say that the recent race to the bottom on fees should be applauded either. Firms that do not charge appropriately for their services cannot build first rate platforms and deliver an excellent investor experience. Fees should be competitive and offer value, with a choice of services linked to fees provided where possible.
The next decade will offer the prepared and educated investor many opportunities to make significant returns. Their choice of wealth and investment manager will have an important bearing on this. The crisis offers retail investors an opportunity to ask questions on whether they are being given access to all the instruments and tools that would allow them to make better investment decisions and generate returns. Wealth managers who have been counting on collecting fees to passively invest their clients' money in equities and passive or quasi-passive instruments will soon find that the era of inertia is over - smart investors will begin to vote with their money and search for pastures new.
To quote from another Pink Floyd song,
Money, It's a gas
Grab that cash with both hands and make a stash.
Charlie White-Thomson is Chairman, Saxo Markets UK
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Once a person tattoo's you on their body you should really know that you are definitely gone and no one can catch you. We really did not expect this from sbahle mpisane but then it shows how much she loves her stepmother, Shawn mkhize to have a tattoo about her and surprise her with it.
Life has not been easy on sbahle mpisane. In 2018 she was involved in a very horrific car accident that almost claimed her love but with grace she survived. However, her recovery journey was never easy. Her journey to recovery was shown on their family reality show, life kwaMaMkhize and it also showed how much her stepmother Shawn mkhize supported her.
Yesterday sbahle decided to take things a little further when she got a tattoo about her stepmother Shawn mkhize and told her how much she loves her and how much she is thankful for her. On the video you could tell how happy mamkhize was when she saw the tattoo, love is really in the air between the two.
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subset: commoncrawl


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The 2022 edition of the Annual Meeting of the NeuroLéman Network and Doctoral Schools will take place on September 1-3 in Les Diablerets.
This annual retreat is a gathering of our 'Neuro' community of PIs, postdocs and PhD candidates from UNIGE, UNIL EPFL. UNIFR.
While September 1 will be a day for NeuroLeman PI's to meet and discuss, September 2 & 3 will be dedicated to lectures, encounters, presentations and social activities for PhD candidates and PI's in common.
The meeting is free of charge for PhD candidates of the local doctoral programs in neuroscience. LNDS candidates beyond the first year of PhD are obliged to submit an abstract. 1/2 ECTS is granted for a poster or oral presentation. EPFL doctoral programs usually grant an ECTS for oral or poster presentation.
For MEETING REGISTRATION, please click here.
ABSTRACT SUBMISSION: Once you created your user account, you can directly submit your abstract here. (In case you forgot your credentials, please send an e-mail to email@example.com)
– Registration with poster or talk before August 1, 2022 (maximal abstract length 250 words).
– Registration without abstract before August 15, 2022.
- Plenary lecture and discussion with Tom Stafford (Associate Director of the RoRi Consortium, Lecturer @ Sheffield University, UK)
- Talk by Valentina Borghesani (new SNF professor @ FPSE-UNIGE)
- Talk by Corinne Benakis (LNDS alumna; now @ LMU Munich, Germany)
- Talk by Gabrielle Pouchelon (LNDS alumna; now @ Cold Spring Harbor Lab, US)
- Talk by Shanaz Diessler (LNDS alumna; now project leader and entrepreneur-a)
- Data blitz presentations of NeuroLéman PhD candidates from selected abstracts
Plus: Science career roundtable with NeuroLeman junior PI's
Plus: Lunch and apero poster sessions for extended discussions with peers
Plus: The famous Diablerets dinner and bar crawl


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2 edition of It came to pass found in the catalog.
It came to pass
Edward Hammond Williams
in [Great Britain?]
Written in English
Edition Notes
|by E.H. Williams.
|The Physical Object
|148p. ;
|Number of Pages
|ID Numbers
|Open Library
This listing is for a copy of And It Came To Pass Children's Book by Jean Slaughter, illustrated by Leonard Weisgard. A former library book, it also has a library binding on it. Published in , there are some stamps from a library inside, as well as an envelope pasted in the back for checkouts. Otherwise the book is in great shape - please let me know if you want more Seller Rating: % positive. Examining our standard works, the exact phrase, "And now it came to pass," is uniquely found in the Book of Mormon and nowhere else. It is an attestation of it being translated by the gift and power of God as we examine the purity of use of this phrase consistent with truths, "now," as they are brought forth by the Lord.
Followers, 32 Following, Posts - See Instagram photos and videos from It Came 2 Pass [Novel Series] (@itcame2pass_book). And it came to pass, one day the Book of Mormon overtook the Bible — in LDS eyes. The Salt Lake Tribune Audience members listen to Gov. Gary Herbert as he reads a scripture from the Bible at t Father James Blaine with Saints Peter and Paul Catholic Church leads mass at the Utah State Prison in Draper several times a week.
Additionally it could function (3) as a posterior or (4) anterior event indicator, meaning "counting forward or backward to a certain event."5 Warren finds instances of all four functions of and it came to pass in the Book of Mormon, as well as combined date and event indications in both posterior and anterior expressions. (16) This difficult verse, rendered word for word, gives--"My f?tus (literally, rolled) saw thine eyes, And on thy book all of them were written; Days were formed, and not (or, as the Hebrew margin, to him) one in them." The reading "substance yet being imperfect" of the Authorised Version follows the LXX. and Vulg., and (Symmachus, "shapeless thing") periphrastically denotes the .
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Mark Twain once joked that if Joseph Smith had left out the many instances of "and it came to pass" from the Book of Mormon, the book would have been only a pamphlet. (Roughing It, Hartford, Conn.: American Publishing Co.,p. ) There are, however, some very good reasons behind the usage of the phrase—reasons that further.
"And It Came To Pass" was a lovely and insightful book. I read the book in two days and I couldn't put it down. Laura Stone is able to create a world with such ease that just instantly draws you in. Adam and Brandon are complex and interesting characters that you just root for/5. Mark Twain famously quipped that if Joseph Smith would have left out the phrase "it came to pass," the Book of Mormon would have only been a short pamphlet (Roughing It, Hartford, CT: American Publishing Co.,p.
).We may justifiably join Mark Twain in wondering why this phrase is used in the Book of Mormon ad nauseum (a fancy phrase that. Some readers wonder why these words occur so often in the Book of Mormon compared with the Bible.
Actually, the Hebrew word wayehi is translated in the King James Version of the Bible as "it came to pass," but it is also translated as "it happened, came, had come, became, arose, was, now," and so forth.
To read more from Taylor, visit HIS BLOG. Mark Twain famously quipped that if Joseph Smith would have left out the phrase "it came to pass," the Book of Mormon would have only been a short pamphlet (Roughing It, Hartford, CT: American Publishing Co.,p.
).We may justifiably join Mark Twain in wondering why this phrase is used in the Book of. A book that puts the Book of Mormon stories in the order they happened, And It Came to Pass: The Book of Mormon Chronicles is the perfect guide to the events of the Book of Mormon.
Rather than provide a verse-by-verse summary, this book simply tells the stories of the Book of Mormon.5/5(2).
Kirby: If it came to pass that the Book of Mormon got a new name, what would it be. Robert Kirby By Robert Kirby The Salt Lake Tribune, Inc. is a (c)(3) public charity and contributions. True, true Mr Clemens, if you take out "And it came to pass," in the Book of Mormon, you might have a pamphlet, but what you wouldn't have is an authentic Mesoamerican text.
Which after a yr history Mormon would have certainly been influenced by. It Came to Pass. by Covenant Communications. It Came to Pass. by Covenant Communications. Product Rating. 1 stars. 2 stars.
3 stars. 4 stars. It's a perfect Sunday game since it is based on the Book of Mormon. The only issue I had was the instructions were a little unclear in regards to the special cards.
Average Rating out of 5 5/5(3). We see from the above graphs, and the studies leading to them, both inductive and deductive evidence that the phrase, "And it came to pass," may well have its origin in the Adamic language.
The exact phrase, "And now it came to pass," occurs only in the Book of Mormon, as we study the LDS scriptures. "A book that puts the Book of Mormon stories in the order they happened, And It Came to Pass: The Book of Mormon Chronicles is the perfect guide to the events of the Book of Mormon.
Rather than provide a verse-by-verse summary, this book simply tells the stories of the Book of Mormon.5/5(2). In the s Book of Mormon, you havewords. There are words consisting of an it came to pass variant, or about % of the total words in the book.
And it came to pass: For it came to pass: 4. Wherefore it came to pass: 1. It came to pass [not otherwise counted] came to pass [not otherwise counted]: 4. And it came pass.
Many a times for us as Christians we are faced with issues, situations and circumstances that makes us doubt whether all the promises made to Author: Segun Omole. And it came to pass that after he had smote off the head of Shiz, that Shiz raised upon his hands and fell; and after that he had struggled for breath, he died.
And it came to pass that Coriantumr fell to the earth, and became as if he had no life. And the. And It Came To Pass Not To Stay book. Read 4 reviews from the world's largest community for readers. This elegant and timely book contains in a nutshell /5.
"And It Came To Pass" The Book of Mormon is often poked fun of by critics for its excessive use of the phrase "and it came to pass". Humorist Mark Twain once quipped that if that phrase were removed entirely from the Book of Mormon, the book would be a mere pamphlet. Every point in your hand will count against you — like the wages of sin — so discard them as quickly as you can before someone says "Pass" and it's time for an accounting.
A Charity card is good; a Desolation card is bad and watch out for Justice because someone is /5(9). "It came to pass." The phrase occurs again and again in the Old Testament.
"It came to pass after four hundred and thirty years that all the hosts of the Lord went out from the land of Egypt," and, "It came to pass, when the evil spirit from God was upon Saul, that David took the harp and played with his hand," and so on.
Statistical analysis used to show that Book of Mormon written by a single author, Joseph Smith. The ridiculous repetition of the phrase 'it came to pass' and the word 'exceedingly' expose the nature of its author, a fraud.
This chart compares the frequency of the phrase "it came to pass" and its closely related formulations in books of the Book of Mormon. The number of times the phrase is used (expressed as a total and as a percentage) and the rate of occurrence (expressed as one occurrence every so many words) are listed for each individual book, varying.
It Came to Pass [Music Download] by The Martins. Title: It Came to Pass [Music Download] By: The Martins Format: Music Download Vendor: Spring Hill Music Group (CHP) Publication Date: Stock No: WWDLF The Hebrew word in Genesis 'it came to pass' is the very same Hebrew word found in Genesis which is translated 'became in most Bibles; and it is the same Hebrew word found in Genesis that in most Bibles is translated 'was'.
All 3 occur.The Book of Abraham and It Came to Pass 12/02/ by lifeafterministry "Roughing It", Chapter XVI "Whenever he found his speech growing too modern, which was about every sentence or two, he ladeled in a few such scriptural phrases as, "exceeding sore," "and it came to pass," etc. and made things satisfactory again.


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Listed in Advocate for health, Gynaecological, Health & Wellness, Mental Health
Kath Mazzella OAM is a Gynaecological cancer survivor. Tony Mazzella is her supportive and motivated husband. Together they are a unique and dynamic force for creating change in relation to the level of awareness of Gynaecological, Sexual and related Mental Health challenges and to break down the barriers and stigmas associated.
Mazzella Consulting, their official business, is focused on creating a better world for women challenged by Gynaecological, Sexual and related Mental Health conditions. Engaging in advocacy and community awareness, this dynamic duo are creative and inspirational, attested to by the long list of awards received for their work.
After her surgery Kath discovered how little women knew and talked about conditions "down there", and how many women were suffering in silence. This empowered Kath to go on a journey … a journey that Tony had no choice initially but to go on with her. Now he has stepped up to stand beside her and promote this very worthwhile and necessary message, extending it beyond just the women, but also to the men that surround their worlds. After all, when one woman suffers, all those in her world suffer with her.
After placing an advertisement in a women' s magazine, Kath was able to connect with others who had similar experiences, even taking Tony on a plane ride to the US, and this drove her to establish the Gynaecological Awareness Information Network Inc. (GAIN) which has informed and supported thousands of women.
Kath and Tony together are powerful advocates for women challenged by gynaecological, sexual and related mental health conditions, personally inspiring women (and a few men also), arguing for institutional and social change that delivers better awareness, prevention, treatment and support.
Kath and Tony are inspirational public speakers and Kath is the founder of the International Gynaecological Awareness Day.


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India-Maldives Current Affairs, GK & News
PM Modi to meet President Ibrahim Mohamed Solih
Prime Minister Narendra Modi is scheduled to hold talks with Maldives' President Ibrahim Mohamed Solih on August 2, 2022 in New Delhi. During the talks, both the leaders are likely to sign several agreements. President of Maldives in on a four-day visit to India. The Maldives is key neighbour of India, in the Indian Ocean ..
Month: Current Affairs - August, 2022
Category: International Current Affairs
Topics: India-Maldives • neighbourhood first policy • PM Narendra Modi • President Ibrahim Mohamed Solih • Significance of Maldives for India
What is 'India Out' campaign of Maldives?
Ever since Maldives President Ibrahim Mohamed Solih was elected to office, an 'India Out' campaign has cropped up within the country. Highlights The campaign has mostly cropped on social media, for over the last three. It is led by government critics. The critics accuse Maldives President government of "allowing Indian boots on the ground". It ..
Month: Current Affairs - December, 2021
Category: International Current Affairs
Topics: 'India Out' campaign of Maldives • India-Maldives • Indira Gandhi Memorial Hospital • Operation Cactus
Exercise Ekuverin
The Exercise Ekuverin is a joint military exercise held between India and Maldives. It is held between the armies of India and Maldives. About Exercise Ekuverin Ekuverin means "Friends" in Dhivehi language. It is an Indo – Aryan language. It is spoken in India, Lakshadweep and Maldives. The Exercise is being conducted between India and ..
Month: Current Affairs - December, 2021
Category: Defence Current Affairs
Topics: Exercise Ekuverin • India-Maldives • Indian Ocean Region (IOR) • Military exercise
Greater Male Connectivity Project: AFCONS to build bridge in Maldives
Indian construction firm, AFCONS, signed a contract for the largest-ever infrastructure project in Maldives on August 26, 2021. Key Points This project is dubbed as The Greater Male Connectivity Project (GMCP). It will comprise of a 6.74 km-long bridge and causeway link between Male and islands of Villingli, Thilafushi and Gulhifalhu. Project will be completed ..
Month: Current Affairs - August, 2021
Category: International Current Affairs
Topics: AFCONS Infrastructure Ltd. • GMCP project • Greater Male Connectivity Project • India-Maldives
India-Maldives pact on Greater Male Connectivity Project
India and Maldives have signed pact with Maldives on one of the major connectivity initiatives called "Greater Male Connectivity Project". Key Points Under the agreement, India will start the largest-ever infrastructure project called Greater Male Connectivity Project (GMCP) in the Maldives. For the project, India will grant $100 million and a line of credit worth ..
Month: Current Affairs - August, 2021
Category: International Current Affairs
Topics: China-Maldives • China-Maldives Friendship Bridge • Greater Male Connectivity Project • India-Maldives • UPSC
Maldives' Foreign Minister elected as UNGA President
Foreign Minister of Maldives, Abdulla Shahid, was elected as new President of UN General Assembly (UNGA). Key Points Abdulla Shahid won against Afghanistan's former foreign minister Zalmai Rassoul with three-fourth majority. He fetched 143 votes while Rassoul got 48 votes out of 191 votes polled. Maldives will occupy office of President of UNGA for the ..
Month: Current Affairs - June, 2021
Category: International Current Affairs
Topics: Abdulla Shahid • India-Afghanistan • India-Maldives • UNGA President • United Nations General Assembly (UNGA)


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Huge sinkhole in Chile grows and generates national concern
On American Post News, we announced the appearance of a massive sinkhole in Chile, located in the north of the country, specifically in the Tierra Amarilla municipality, in the Norte Chico region. Authorities reported that the hole in the ground is increasing in size and has sparked national concern. One of the theories handled regarding … Read more


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it depends of the severity of the foul, could be a red or yellow. 2 yellows equals a red - sending off!
Soccer players chances of getting injured are very high
how many goals have you scored this season? did you play soccer as a kid? what position are you? what is your favorite sport (besides soccer)? I hope these helped you.
By training hard, and getting scouted
what are female soccer players getting paid in europe?
A yellow card is a warning, two yellows make a red, a player is sent off when shown a red card. They can also get a straight red for a serious offence.
If you get two yellows in one match, you are sent off. If you get a red in a match, you are also sent off, and are likely to have a 1-2 match ban.
Besides volleyball and soccer, there is a great interest in handball, ice hockey and basketball.
soccer player.
i know for a fact that besides hockey, Hemmer is also a very good soccer player...
A soccer player.


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Chicken Chimichangas
Time: 1 hour 15 minutes
Yield: 6 servings
There's only one way to improve the fantastic flavors of Mexican cuisine: deep fry it! Chicken Chimichangas take the juicy, savory, and spicy flavors of a burrito and pan-fries it to crisp perfection. Seriously, crunching into one of these Chicken Chimichangas might be the highlight of your day! Don't forget to enjoy the melty cheese within!
Heat a large skillet on the stovetop over medium-high heat.
Add 1 tablespoon of the vegetable oil.
Once the oil is hot, add the chicken and cook until almost cooked through, about 5-7 minutes.
Add the onions, garlic, and jalapenos until softened and fragrant, about 3 minutes.
Add chili powder, cayenne pepper, garlic powder, and the flour, coating the chicken completely and cook for another 2-3 minutes. Make sure you are stirring this whole time.
Add the chicken broth and red wine vinegar and stir.
Turn down the heat to medium-low.
Allow the mixture to simmer until the moisture is almost gone, about 10 minutes.
Add the beans and drizzle with lime juice.
Stir in 1/2 of the cilantro.
Cook until the mixture is warmed all the way through, about 2 minutes. Set the filling aside.
In a large skillet, heat about 1/2 inch of the vegetable oil over medium heat until the oil is 325 degrees.
Lay out the tortillas.
Add a little less than 1 cup of the chicken mixture to the center of each tortilla.
Top the chicken mixture with 2 tablespoons of the cheese.
Roll the tortillas around the mixture like a burrito, wrapping it tightly.
Add the rolled tortillas to the oil and fry on each side until golden brown and crisp, about 2 minutes.
Once you finish cooking each chimichanga, place them on paper towels to drain.
Serve over a bed of lettuce.
Top the chimichangas with the sour cream and the salsa.
Garnish with cilantro and serve.


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A car has crashed into the front of a shopping parade on a busy west Hull road.
The vehicle appears to have come of the road before crashing into NKH Dance School in Anlaby Road.
The incident took place shortly before 7am this morning.
Footage taken by a passerby shows a number of people stood outside the vehicle at the scene of the crash close to the junction with Calvert Lane.
Humberside Fire and Rescue deployed three appliances to the scene and secured the vehicle before leaving the incident with Humberside Police.
Police partially closed Anlaby Road for more than three hours as workers cleared the scene.
An eyewitness said: "Don't know what's go on at Calvert Lane/Anlaby Road junction. But three fire engines, two ambulances, one riot van and two police cars. What the hell. Can't see fire though."
If you have seen anything, contact us via the Hull Live Facebook page or call the newsroom on 01482 315261.
Road back open
Travel centre Inrix said: "Anlaby Road in both directions re-opened, earlier accident investigation work between North Road and A1105 Boothferry Road.
"The road has since re-opened, however investigation still remains ongoing out front of the store front where the car has collided into the building."
Traffic being directed up North Road
A person at the scene said: "The road is still closed, and the car still hasn't moved.
"The fire service have gone but the police are still there.
"Traffic is being directed up North Road."
Humberside Fire and Rescue statement
A spokeswoman for Humberside Fire and Rescue said: "We attended after we were informed of the incident at 6.46am.
"Both appliances were sent from Calvert Lane and one was sent from North Hull.
"We made the vehicle safe and left the incident with police."
Fire service in attendance
Humber Fire and Rescue confirm they were in attendance at at the incident after being informed at 6.46am


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The panning system is a frame around the frame of the new window, and can be extruded to incorporate decorative ogee, reverse cove or custom geometry for a historically accurate, exterior appearance. Panning, however, also cuts into daylight opening area, and introduces another sealant joint that can be vulnerable to water infiltration.
If a tear-out of existing frames is the option, perimeter protection is often required in occupied spaces and the process is slowed considerably. Caution must be exercised in determining what concealed wall materials may be disturbed, including asbestos. These cases require the involvement of abatement specialists. With complete tear-out, however, sight lines are reduced for maximum daylight area, new anchors can be more securely attached and seals can be made directly from new window frames to existing wall substrates. In either case, extruded aluminum interior trim is available in many shapes and sizes to finish the opening when replacement is complete.
For the South Bend, Ind., University of Notre Dame campus' historic Farley Hall renovation, the existing frame was left in place and encapsulated with aluminum interior trim to preserve and restore the campus' architectural legacy and extend the life of its buildings. For Farley Hall, it was critical to mimic the original windows' sightlines, wood and putty construction, beveled muntins and beveled exterior face in modern, high-performance glazing systems.
To replicate the university's desired profiles, digital photos were taken and a 3-D rendering created. These images were transferred into workable shop drawings so the window manufacturer could create the necessary dies and achieve the right contours of the previous woodwork.
Few upgrades can add so much to the performance, comfort and image of an old building than historically influenced replacement of windows. Careful selection of product type and manufacturer, complete and accurate contract documents, and coordination with staff and occupants will result in a successful project.
Muntin Grids
A muntin is a small framing member appearing to separate two lites of glass. When architectural glass was available only as plate glass (in the 19th century) or sheet glass (in the first half of the 20th century), size was limited, and muntin grids were introduced to facilitate larger glazed area for natural daylighting. With the advent of the float glass process after World War II, available glass size reached 7-feet or more in each dimension, but the aesthetic desirability of the muntin grid's appearance lives on.
Muntins are available as:
- True divided lite (TDL) bars or grids separating independently supported insulating glass units (IGUs)
- Exterior and interior egg crate grid work
- Tape- or silicone-applied individual pieces
- Between-glass muntins, secured in the hermetically sealed air space of the IGUs
Although TDL grids seem like the most elegant solution, inherent edge-of-glass conductivity issues can significantly increase thermal transmittance and propensity for condensation. It is also important that TDL grids adequately support the edges of IGUs, as excessive deflection under wind load can shorten hermetic seal life, causing internal fogging and necessitating another replacement. For this reason, TDL muntins are usually slightly heavier in sightmline than original muntin bars that supported only single-glazing.


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Hello My name is James G Nichols, I am not a resident of Alice Springs but I support a safe environment with clean water and clean air to breathe for my relatives who do live in Alice Springs. However, I do have concerns that this may change with the introduction of Shale and Tight Gas Fracking.
I have many levels of concern, with water being high on my list.
We need to protect our communities dependent upon clean water and encourage our government to work to sustainably manage and conserve water resources.
My concerns are not just for my relatives and the current community, but include future generations that also have a right to clean air and water.
Please consider the future of the Alice Springs community as a priority.
James G Nichols
On behalf of our family


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08D Kruger in Depth from USD1,449
Enjoy 10% OFF normal priced travel packages + Additional RM100 OFF*
* Additional RM100 OFF is valid until 31 Aug 2022 only.
Package description:
This seven-day adventure does one thing very, very well: Kruger National Park. Start Johannesburg, South Africa. End Johannesburg, South Africa.
Starting in Johannesburg, get a taste of the region with a mouth-watering welcome braai before setting out for the Greater Kruger Area. Got your camera ready? Good. Because your next few days will (hopefully) feature a healthy dose of elephants, lions, and giraffes on the savanna, as well as chimpanzees at the Jane Goodall Institute's Chimp Eden. This tour is Kruger National Park done to perfection.
1. Offers valid for payment made with HSBC/HSBC Amanah Credit Card/-i.
2. Booking must be made between 01 July 2022 (12.00am) to 31 December 2022 (11.59pm) Malaysia Time.
3. Travel validity is up to 31 March 2023.
4. Package are ground arrangements, inclusive of accommodation, airport transfers (if any), touring and meals as per itinerary. Air ticket, travel insurance/takaful, Visa (if any), tipping and other incidental charges are not included.
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10. Offer is not available for group booking.
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12. HSBC is not the supplier of the service(s) and makes no representation as to the service(s) provided. Any disputes on the services from a merchant, should be resolved directly between the Cardholder and the merchant.
13. CIT's Terms and Conditions apply.
14. Please visit link for more terms and conditions: https://www.cit.travel/terms


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Sharon Bader
Attività recente di Sharon Bader
Ordina per attività recente
Hide entire map feature is great! Would be more useful if you could chose this for only certain activities. Not as a setting for all future activities.
Following choice no long shows up the day after you ride. Why not? I find this feature useful. It now only show all time and all time this year. They say after you ride.


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Transportation :
1 . Less than 45 KGS, we will send by express. (Door to Door, Convenient)
2 . 45 - 200 KGS , we will send by air transport . (Fastest and safest, but expensive)
3 . More than 200 KGS, we will send by sea . ( Cheapest and common use )
Our email: [email protected]
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We spent many hours on research to finding dreaming wapiti pillows, reading product features, product specifications for this guide. For those of you who wish to the best dreaming wapiti pillows, you should not miss this article. dreaming wapiti pillows coming in a variety of types but also different price range. The following is the top 10 dreaming wapiti pillows by our suggestions:
Best dreaming wapiti pillows
1. Pillows for Sleeping(2-Pack) , Luxury Hotel Gel Pillow ,Bed Pillows for Side and Back Sleeper (Queen)
Feature[Pack of 2 queen size pillow]:20*29in;Cover:Premium microfiber;Filling:Poly Gel Fiber
[Double sided ultrasonic process]:Unique ultrasonic three-dimensional embossing, double-sided process and a blue piping that gives a posh look to the pillows and also enhances durability.
[Perfect balance between soft & support]60% 2.5D high quality fiber + 40% 7D high quality fiber create the no-shift construction.Provides sufficient support while ensuring softness.
[Easy home care]:Bed pillows come with vacuum sealed,the premium filling makes pillows rebound in 5 seconds.Pillows are light and easy care, and can be cleaned frequently,just machine wash at 30C.
[What we provide]:This pillow is suitable for side stomach & back sleeper,especially for side sleeper.We offer 365 night's trial.If you have any questions,please feel free to contact us,our customer service staff will reply you within 24 hours.
2. SEPOVEDA Bed Pillows for Sleeping 2 Pack, Hypoallergenic Pillow for Side and Back Sleeper,Adjustable Hotel Pillow Stomach, Side Sleepers-Standard Size
FeatureREST EASY - Size: 20X26 inch. Rest your head on these high-quality pillows knowing you can go to sleep in pure comfort and relaxation. The filling of the pillow is made from poly gel-filled fiber to ensure maximum comfort for all sleeping position.'''
High Density Cotton Pillowcase: Tightly woven 100% polyester fiber feels soft on the skin while being breathable even on hot summer night and keep your head dry whole night
MACHINE WASHABLE: Our bed pillows are machine washable at 30C, fade resistant and stain resistant, so you'll never have to worry! The pillows for sleeping will always feel and look like new, no clumping!''
This pillow is suitable for side stomach & back sleeper,especially for side sleeper.We offer 365 night's trial.'''
'Zipper Design for Adjustable Comfort: Side zipper provides a convenient way to add / remove filling and adjust the pillows height to your liking'''
3. Dreaming Wapiti Pillows for Sleeping, 2 Pack Shredded Memory Foam with Machine Washable Bamboo Cover, Adjustable Loft-Stomach Side Back Sleeper (Queen), (2-Pack), White
Feature2 PACK QUEEN SIZE: 18*28 in , Filling is 100% premium shredded memory foam. Washable pillow cover with 60% Polyester, 40% Rayon Derived from Bamboo. We add bamboo fiber to the fabric, make it more softer, stay breathable, and dry.
FOR YOUR COMFORT: Adjustable pillow fit your unique sleeping, simply open the zipper, by adding or removing foam to find the perfect comfort-for all sleep positions . Unique quilting design, better support the neck. High quality core filling, good resilience, not easy to deform.
Upgrade package: We update the package, which is easy to open and store The seal design protects the elasticity of the shredded memory foam better and does not become flat and damp caused by warehouse. There is also a small handle on the package, which is easy to carry and is the nice choice for gift .
EASY TO CLEAN: With the advantage of shredded memory foam, say goodbye to put the entire pillow into your washing machine, we add the soft removable cover, all you need to do is to wash the cover and take the inner pillow out to let the shredded memory foam ventilate.
What We Provide: We offer 365 night's trial . If you have any questions, please feel free to contact us, our customer service staff will reply you within 24 hours.
4. Sealy Molded Memory Foam Pillow, 16 inches x 24 inches x 5. 75 inches, White, Grey
FeatureSTANDARD SIZE PILLOW: The Sealy Memory Foam Bed Pillow provides the ideal balance of comfort and support for a blissful nights sleep.
PREMIUM MEMORY FOAM: Pressure-relieving memory foam adapts to your unique shape and supports your head and neck for a comfortable nights sleep.
EASY CARE COVER: Plush knit cover provides an added comfort layer and can be unzipped, removed and machine washed for easy care.
QUALITY: Proudly designed & assembled in the USA and backed by over 130 years of Sealy quality.
FITS A QUEEN PILLOW CASE: Size 16 x 24 x 5. 75
5. JOLLYVOGUE Pillows Standard Size Set of 2,Bed Pillows for Sleeping with Down Alternative Fiber Fill, Soft Full Pillow for Back, Stomach, Side Sleepers-2 Pack 20" x 26"
Feature2 PACK STANDARD BED PILLOWS--These expertly tailored standard size pillows(20"X26") are made from skin-friendly knitted cotton cover with the scientifically proportion of 3D+7D microfiber filling, ultra-soft and fluffy as real down, provide adequate support for your head and neck, just like sleeping on a cloud while using. Whether you prefer soft pillows, this pillow is definitely your choice!
THICKED DESIGN--The quilted technology is adopted to create more than 1000 squares in the breathable 3-layers outer cover as independent small pillows with excellent precise support, which made the pillow become more fluffy and comfortable. With classic and elegant design, our standard pillows also become part of your home decoration!
MACHINE WASHABLE PILLOWS--Would rebound to its original standard size within 24 hours after release from the vacuum-sealed package. Fluff the pillow regularly to retain its shape after long-term use. Machine washable capabilities enable maintenance of its reusability and fresh appearance. Air dry or tumble dry after washing
SECURE STORAGE(Polyester Filling NOT INCLUDED )--There is an inner lining inside each pillow to prevent zippers from jamming fillings while zipping up or unzipping. You can remove or add the fillings to adjust the height of your pillow for perfect support and cozy comfort.
Risk-Free Purchase--Buy with confidence! Your satisfaction is backed by our Risk-free 30 Day and 1 Year Warranty against any defects. Give it a chance, you will have a better life!
6. Pillows Queen Size Set of 2,Luxury Velvet Hypoallergenic Bed Pillows for Sleeping, Hotel Fluffy Pillow Set, Soft Firm Adjustable Down Alternative Pillows for Side, Back, Stomach Sleepers -20"x30"
FeatureUNIQUE VELVET PILLOWS Superior to any cotton pillow or polyester pillow sets you've ever used, GOHOME sleeping pillows feature an attractive velvet cover with a lattice pattern that provides an incredibly soft and comfortable tactile impression for every user. In addition, it also adopted a three-layer quilted technology which is more durable than the ordinary pillow
3-LAYERS THICKED DESIGN--The quilted technology is adopted to create more than 1000 squares in the breathable 3-layers outer cover as independent small pillows with excellent precise support, which made the pillow become more fluffy and comfortable. Elegant and exquisite lattice pattern design, which can perfectly match your indoor or outdoor decoration
ADJUSTABLE&HYPOALLERGENIC PILLOWS--Each pillow is entirely adjustable to tailor to each customer's needs. So, whether you prefer a firm pillow or one that's significantly softer, these down alternative pillows have you covered These 2 packs of pillows are crafted in hypoallergenic microfiber fillings which can reduce allergens in your bedroom, thereby reducing coughing and sneezing at night and helps you sleep more soundly
MACHINE WASHABLE PILLOWS--Machine washable capabilities enable maintenance of its reusability and fresh appearance. Air dry or tumble dry after washing. The set of 2 pillows would rebound to the original queen size(20x30inches) within 24-48 hours after release from the vacuum-sealed package. Fluff the pillow regularly to retain its shape after long-term use
RISK-FREE PURCHASE--Buy with confidence! Complete customer satisfaction is our top priority! The five-star rating of GOHOME store is your confidence guarantee for worry-free purchase, and it is also the driving force of our continuous improvement. If you have any questions about our products, please do not hesitate to contact us, we will spare no effort to assist you to solve any problem! Click to Add Cart Now!
7. BedStory Memory Foam Pillow, Cooling Gel Pillows for Sleeping, Cervical Bed Pillow for Neck Pain Orthopedic - Side Back Stomach Sleepers, Removable Washable Cover & Ventilated Design, Standard Size
FeatureNECK SUPPORT COMFORT: This orthopedic cervical pillow contours to your head shape and keeps the spine in proper alignment. It offers instant relief from shoulder and neck pain, bringing you a better nights sleep than ever.
MEDIUM FIRM MEMORY FOAM: The slow rebound high-density memory foam pillow will keep its shape and firmness after regular use. Besides, it comes with a whole piece of foam to avoid lumpy messes.
HIGHLY BREATHABLE: This sleeping pillow features cooling gel, open-cell technology, and natural Tencel cover, which ensures proper airflow to regulate your temperature throughout the night.
REMOVABLE & WASHABLE COVER: The hypoallergenic pillow case is easily removable for cleaning care. This cervical pillow is OEKO-TEX and CertiPUR-US certified to ensure durability, performance and safety.
WHAT YOU GET: BedStory standard size bed pillow 23.6 x 15.7 inches (5.1-in height). Weve got you covered for manufacturing defects like sagging, packing, bumps, etc. Any question is welcomed!
8. ZAMAT Premium Gel Memory Foam Pillow, Breathable & Supportive Bed Pillows for Sleeping, Hypoallergenic Cooling Pillow with Washable, Removable Cover, Best for Side, Back, Stomach Sleepers (Standard)
Feature[BRING YOU A GOOD NIGHT SLEEP]: Shopping for a perfect bed pillow that's just right for you? Try ours! ZAMAT sleep pillow is constructed using the latest gel-infused memory foam technology and will make use of multiple layers to provide you plenty of support while ensuring a balance between support and comfort, bring you a much more comfortable and enjoyable sleeping, and stays cool all night.
[SOFT & SUPPORTIVE MEMORY FOAM]: Our premium gel memory foam conforms and adapts to your unique shape and supports your head and neck, and the ventilated design maximizes air circulation keeps you feel comfortable all night, have a full night sleep. With two different sizes to choose from and a comfortable mid-loft design, this cooling pillow is great for back, stomach, and side sleepers.
[DOUBLE PILLOWCASE FOR A LUXURY EXPERIENCE]: The double pillowcase design is built to maintain quality through multiple pieces of washing to ensure a simple and fresh experience night after night. Our hypoallergenic pillowcases created with tencel fabric and polyester fiber, feels silky soft while providing dust mite protection. The outer pillowcase is machine washable, however, tumble dry at a low setting to ensure unaltered comfort.
[QUALITY PRODUCED, SAFE FOR YOU]: Our ergonomic memory foam pillows have been rigorously tested and certified by CertiPUR-US and OEKO-TEX to ensure safety for you and your family. All materials are chemical-free for better health. Please absolutely relax using our sleeping pillow since the material is safe.
[THOUGHTFUL GIFT & 100% SATISFACTION]: ZAMAT sleep innovations memory foam pillow is presented to you in a beautiful gift box, which is a perfect gift for your family. Every pillow will enjoy 100 nights of risk-free use. Your 100% satisfaction is guaranteed, feel free to contact us if you have any question.
9. Dreaming Wapiti Pillow Cases, 100% Washed Microfiber Pillowcase King for Hair and Skin -2 Pack with Envelope Closure (Pure White)
FeatureSet of 2 King Size Pillow Cases : 20" x 36"
With Envelope Closure: Envelope closure ends to optimally hide the pillow. No zipper with easy on and off to bring you a unique and pleasant experience. Multiple stitches make the pillowcase stronger . Extend the life and enhance the experience of your sweet dream.
Two In One: We combine the advantages of Microfiber and Washed Cotton. The Microfiber after washing process is softer than Washed Cotton. Meanwhile, Washed Microfiber is cheap and cheerful like the Microfiber.
Skin Friendly Exclusive Feeling: Pillowcases for hair and skin bring the soft and Warm feeling to enhance your room with comfort and rest. Fade, stain, shrink and wrinkle RESISTANT. Pink is fresh and simple, and can be used with any room style. You can choose without hesitation.
What We Promise: We offer ONE YEAR satisfaction . Strive to provide the best customer service . If you have any questions, please feel free to contact us, our customer service staff will reply you within 24 hours.
10. Dreaming Wapiti Pillows for Sleeping, Shredded Memory Foam with Machine Washable Bamboo Cover Adjustable Loft-Stomach Side Back Sleeper (Filling), White
FeatureWhat's inside :150g shredded memory foam .Not the pillow ,just the extra filling make your pillow more firmer .
High Quality Our foams come directly from our very high-end mattresses,lighter and more resilient than the usual shredded memory foam pillows found on the market.
Widely Use:It can be used to match any pillow or cushion filled with fiber or shredded memory foam.


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Juicy and flavorful, these four-ingredient grilled hen tenders are certain to be your favourite dish this summer season! They've a scrumptious honey lime glaze that may make you lick your fingers!
If you happen to like hen tenders like me, attempt my different recipes! These oven-fried, garlic-parmesan and air-fried hen tenders are fast and straightforward, and children and adults alike will love them.
Scrumptious Grilled Rooster Tenders with Honey Lime Sauce
With the full-fledged grill season, this is a brand new recipe the entire household will love! These grilled hen tenders are a barbecue hit. Juicy and tender, every chunk is filled with candy and robust taste. And most significantly – as if one was loopy Simple to make. Did I point out that you just solely want 4 components to throw them collectively?
The style of those grilled hen tenders is unimaginable. An ideal mix of candy, savory and salty! Then get smoky charcoal from exterior and these infants will completely die. They're additionally widespread with choosy eaters in our household. I've caught my youngest licking the sauce off her plate a number of occasions. How scrumptious these hen tenders are, I am not blaming you if you wish to do the identical! Let's go bake!
supplies wanted
You will not consider the wonderful style you will get with simply 4 easy components! Quick and candy is the perfect! You could find measurements for every ingredient on the recipe card on the finish of the submit.
- Italian seasoning: Rooster tender with the perfect taste with Italian seasoning! You need to use packaged Italian seasonings or use this recipe to make a scrumptious mix at house!
- honey: Provides thick texture and savory sweetness to marinade.
- lime juice: Provides tangy taste.
- hen tender: It can be offered as 'Rooster Tenderloin'. You want them to be able to marinate with out cooking. If you do not have wrapped hen tenders, you should utilize boneless hen breasts and reduce them lengthwise to make them in an analogous form.
How one can make grilled hen tenders
Even if you happen to're new to grilling, these hen tenders with honey-lime sauce are one thing you may make in some cool colours! It takes a little bit time to marinate, nevertheless it cooks in only a few minutes! Excellent for a fast and straightforward summer season meal.
- Rooster marinade preparation: Whip in a medium-sized bowl with Italian seasoning, honey and lime juice.
- marinade: Add hen tenders and marinate for half-hour.
- Preheat: Preheat the grill over medium warmth. Add hen tenders.
- Grill: Prepare dinner for 3-4 minutes, then flip over and cook dinner till 165 levels and till it's not pink.
Supply solutions and suggestions for grilling hen
Listed below are some easy methods to make your self a grasp of the grill! Family and friends will fall in love with every chunk of the grilled hen tenders. When it is juicy and engaging, it is exhausting to not.
- Thermometer use: This step is essential in order that the hen doesn't dry out on the grill. Use a meat thermometer to examine the inner temperature of the hen tenders. When the inner temperature reaches 165 levels Fahrenheit, it may be faraway from the grill. If you happen to overcook it, it may be overcooked.
- Take a break: The important thing to juicy grilled hen is to let it sit for a minute or two after eradicating it from the grill. This fashion, all of the scrumptious juices shall be reabsorbed and you should have hen tenders that soften in your mouth! If you happen to reduce too rapidly after roasting, the juices could also be launched with out being absorbed again into the meat.
- Comes with: These grilled hen tenders are scrumptious on their very own, however they're additionally nice on prime of rice and including to inexperienced salads! I all the time chop up leftovers and add them to salads like this coriander lime hen salad and chili lime hen salad. The flavour of the hen completely enhances them! This tender measurement is ideal so as to add to grilled kebabs with scrumptious greens.
storage of leftovers
These grilled hen tenders are good for leftovers. You need to use it as a fast lunch for the children, or use it in salads and burrito bowls!
- Within the fridge: Retailer leftover grilled hen tenders in an hermetic container for as much as 4 days.
In a medium bowl, whisk collectively the Italian seasoning, honey and lime juice. Add hen tenders and marinate for half-hour.
Preheat the grill over medium warmth. Add hen tenders. Prepare dinner for 3-4 minutes, then flip over and cook dinner till 165 levels and till it's not pink.
provide: 4
calorie211kcal (11%)carbohydrate22g (7%)protein25g (50%)Fatsthreeg (5%)saturated fatsOneg (5%)polyunsaturated fatsOnegmonounsaturated fatsOnegtrans fats0.01gldl cholesterol73mg (24%)salt134mg (6%)potassium511mg (15%)fiberthreeg (12%)sugar18g (20%)vitamin A138IU (three%)vitamin Cthreemg (4%)calcium103mg (10%)metalthreemg (17%)
All dietary data is predicated on third-party calculations and is just estimates. Every recipe and dietary values differ relying on the model used, the measurement methodology, and serving sizes per family.
Up to date, written and printed by Meja Makan


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Hey Internet! Looking for Littlest Pet Shop #2303? I've got the search all set up for you on:
Toysisters is ad-supported. When you buy through links on our site, we may earn an affiliate commission (at no cost to you), which helps to keep the site online and updating. Thanks!
Pet #2303 came in the Sunshine & Travels pack with #2304 and #2305.