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Italy : Challenges faced by the European banking sector.
The subdued profitability is reflected in depressed bank valuations. Despite a broad-based improvement in bank valuations in recent quarters, a wide dispersion persists between euro area and U.S. banks valuations. While euro area banks price-to-book ratios have recovered from the lows of mid-2016, the gap between euro area and U.S. banks valuations remains significant, with an average price-to-book ratio of 0.77 against 1.26 for U.S. listed banksThe large cross-sectional variation of price-to-book ratios within the euro area partly reflects cyclical factors, as the pace of economic recovery varies across countries, but possibly also differences in the progress made by institutions in tackling structural challenges. To give you an idea, average price-to-book-value is 0.94 for Spain, 0.75 for Italy, 0.76 for France and 0.42 for Germany.
In the euro area, listed banks aggregate return on equity (ROE) stood below 3% in 2016, a slight decline from the previous year. In international comparison, euro area banks financial performance continues to lag behind that of most of their global peers: in 2016, U.S. average ROE stood at 8% with Nordic banks above 9%, led by Swedish banks with 12% ROE, a notable performance in a country where key official interest rates are negative and much lower than in the euro area. Regarding cross-country differences, listed Italian and German banks recorded negative average ROE in 2016 which, in the case of Italy was due to sharp increases in loan impairment charges at some banks, mainly linked with increased efforts to clean up their balance sheets. In other large euro area countries, French and Spanish listed banks recorded a ROE of 5% and 7%, respectively.
The continued weakness in bank profitability reflects a number of cyclical and structural factors. A key cyclical challenge is linked to the difficulties in increasing revenues in a low nominal growth and low interest rate environment and a relatively flat yield curve. As a matter of fact, net interest income declined somewhat in 2016, as the compression of margins was only partly offset by increased credit growth albeit still at moderate levels. While profitability headwinds stemming from cyclical factors should abate as the economic recovery progresses, structural challenges remain and need to be tackled. These include the large stock of non-performing loans (NPLs), a legacy of the 2008 financial crisis, cost inefficiency and excess capacity. Let me address each of these factors in turn.
A large stock of legacy NPL in some euro area countries continues to dampen profitability prospects. The average NPL ratio for euro area banks at just above 2% in 2007, reached 8% in 2013 and stands now at 6%. For the six high-NPL national banking sectors, the averages went however from 5% in 2007 to 23% last year. 1 Elevated loan impairment costs remain an important driver of low profitability in high-NPL countries. Indeed, following the capital and provision increases since the financial crisis, the NPL issue does not primarily concern solvency but rather banks profitability. The coverage of NPLs by provisions and collateral is, on average, 82% in the euro area and 80% in Italy. Net NPLs are therefore reassuring, from a solvency perspective. Profitability however, is affected by the lower returns provided by the NPLs, given the weight of gross exposures in total assets. The share of total assets that generates lower revenues than full performing loans is a considerable European problem: gross NPLs represent 4% of total assets of euro area banks against only 0.8 % for U.S. banks. The figure for Italy however stands at 11%, thereby with an unavoidable significant impact on profitability, despite the visible reduction in the NPL ratio for the system since the peak in 2013. Naturally, high NPLs also tie up capital, erode funding, as well as operational capacity, thereby constraining banks ability to support the economic recovery. Despite a visible reduction in system-wide NPL ratio in Italy, progress in reducing stocks of high NPLs to manageable levels remains insufficient.Amid continued difficulties in boosting revenues, remaining cost-inefficiencies also weigh on banks profitability. On aggregate, euro area banks cost-efficiency has deteriorated somewhat since 2010, based on both a cost-to-income and a cost-to-assets basis and compares unfavourably with some international peers, most notably the Nordic countries.
Against this background, for many euro area banks, a return to sustainable profitability is increasingly dependent on improvements in operational efficiency. A cross-country comparison suggests that the relative importance of physical versus digital distribution channels may be one of the differentiating factors across countries in terms of cost efficiency, as illustrated by the positive correlation between branch network reduction since the late 90s and the usage of internet banking in EU countries.
Structural challenges to profitability in some banking sectors are also linked to industry structure and excess capacity. In addition to banks efforts to improve operational efficiency via cost-cutting, consolidation could bring some profitability benefits at the sector level.
[c] 2017 Al Bawaba (Albawaba.com) Provided by SyndiGate Media Inc. ( Syndigate.info ).


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No one plans for an accident when they get in their vehicle. But the statistics indicate that getting into an accident at some point in your driving career is likely. In 2016 alone, over 3 million injuries occurred due to car crashes nationwide. A … [Read more...]
A large portion of the Richard Harris Law Firm is devoted to representing people who were injured in motor vehicle accidents. While we have reported on this subject previously in several blog posts, we realize that having information regarding all … [Read more...]
3 Work Zone Safety Tips
Roadways in Nevada receive frequent repairs and alterations. When that happens, road work crews may be present for weeks or even months at a time. Driving through active work zones requires focus and caution, as they can pose threats to both drivers and … [Read more...]
5 Safe Driving Tips for Memorial Day Weekend
Many people will kick off the summer season this Memorial Day with weekend getaways or celebrations at home with family and friends. No matter how you celebrate, it's important to remember that Memorial Day weekend is one of the busiest times of the year … [Read more...]
What Should You Do After a Hit-and-Run Accident?
When another driver causes an auto accident that results in you or your loved ones suffering injuries, you can file a compensation claim against their auto insurance provider. But what are you supposed to do after a crash where the other driver leaves the … [Read more...]
Warm Weather Means More Motorists
When the weather warms up, the number of drivers on Nevada's highways and interstates increases. Whether it's out of state tourists or residents traveling on vacation, the Silver State's roadways are often much more congested in the spring and summer than … [Read more...]
The Dangers of Texting and Driving
When you drive your car, you keep your eyes on the road, your hands on the steering wheel, and your mind on the task at hand. Driving is a complex task, and it requires all three of those actions working simultaneously to get you and your passengers to … [Read more...]
Drowsy Driving Puts Everyone at Risk
Safe driving means being alert, attentive, and focused on the task at hand. Trying to accomplish that when you're drowsy or sleep-deprived can be difficult—and it can put you at an increased risk of being involved in an accident. The Centers for … [Read more...]
Driving Distracted Isn't Worth the Risk
Nevada's "No Pay, No Play" Laws
In April 2016, the Nevada legislature passed a "No Pay, No Play" law aimed at uninsured drivers throughout the state. The law makes it difficult for injured victims to get compensation after accidents if they were violating the law at the time of their … [Read more...]
What Happens After a Hit-and-Run Accident?
An auto accident can be stressful, frightening, and traumatic, even when it's relatively minor and the other driver is available to exchange information with you. But a crash can be particularly devastating when the at-fault driver flees the scene, as you … [Read more...]
Post-Auto Accident Checklist
3 Types of Driver Distractions to Avoid
3 Post-Auto Accident Mistakes That Could Jeopardize Your Claim
If you were just involved in a crash that wasn't your fault, you may be facing serious injuries and time away from work—but that means you're no longer getting the paycheck you and your family depend on. Since you didn't cause the crash, you should have … [Read more...]
Holiday Highway Safety
This past Thanksgiving was one of the busiest highway travel weeks in recent years, with the highest number of travelers heading to their destinations via automobile since 2005. A strong economy, low gasoline prices, and expensive airfare means traffic … [Read more...]
Holiday Drinking and Driving: Know the Risks
The holiday season is a time for celebrating age-old traditions with family and friends. But the weeks between Thanksgiving and New Year's Day statistically reflect an increase in drinking and driving, which can put those traditions at risk. In fact, 16% … [Read more...]
When You Fall Back an Hour, Don't Fall Back on Safety!
Daylight Saving Time will officially end at 2 a.m. on Sunday, November 4. Although many of us look forward to an extra hour of sleep, data shows that the end of Daylight Saving Time also has a downside: an increase in car crashes in the days surrounding … [Read more...]
We Now Know What Caused the Uber Autonomous Vehicle Accident in Tempe, Arizona
What caused the collision between an Uber experimental autonomous vehicle and a pedestrian in Arizona in March 2018? Would you believe distracted driving? Yes, it's true. After an analysis of the Uber vehicle's computer records, it was found that the Uber … [Read more...]
Distracted Driving Accidents Are on the Increase
A recent article in the Review Journal cites a study by AAA, which finds that 87% of respondents believe distracted driving is a large problem that is getting worse. Along with traffic congestion, aggressive drivers, and impaired driving, most people … [Read more...]
Unsure about hiring a lawyer after your car accident? Take it from those who did.
If you were recently injured in a car crash, you probably have a lot on your mind. You'll have to make many decisions in the coming weeks, and one of those is if you should hire a lawyer. At Richard Harris Personal Injury Law Firm, we've been … [Read more...]

subset: commoncrawl


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The Perfumer & Flavorist Product Roundup is a monthly feature presenting inspiration for flavor and fragrance creations with materials and products from leading F&F companies. Check out this month's collection of materials for tea.
February 2018 Product Roundup: Tea Time
January 25, 2018
Fill out my online form.
The state of: Bois de Rose and Linalool ex Bois de Rose — Berjé, Inc.
Connect with Key Prospects — Flavorcon, Presented by Perfumer & Flavorist
Remove Color, Haze and Imperfections From Your Flavors and Fragrances! — Gusmer Enterprises
Safety Solutions Make Perfect Sense for Scents and Flavors — Sphera
Most Popular in Beverage
- 1A New Scent Culture
- 2Beverage Emulsions and the Utilization of Gum Acacia as Emulsifier/Stabilizer
- 33 Articles You Might Have Missed in P&F February 2019
- 4Patent Pick: RTD Bubble Tea
- 5Formation and Application of Nanoemulsions for Water Insoluble Substances
- 6Hybrid Beverages Pick Up the Pace With Millennials
- 7The Art of Peas and Distillation
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- Editor's Note: A Sip of Wellness
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text: WESTWOOD William (Bill) Passed away suddenly at home, surrounded by his loving family, on Sunday, 9th June, 2019, William (Bill), aged 73 years, of Methil. A much loved husband of Helen, a devoted dad of Dawn, William and Ryan, father-in-law of Craig and Maxine and a cherished grandad of Jodie and Lee. Bill will be sadly missed by all who knew and loved him. Funeral service to take place at Kirkcaldy Crematorium, on Monday, 24th June, at 12.45 p.m., to which all family and friends are respectfully invited. Family flowers only, please.


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This workshop is designed to teach our kids how to use meditation for stress management. Our kids will learn how to regulate their own stress and anxiety through meditation and the creation of their own Happy Place Mandala. It is open to children aged 5-11years and their parents/carers.
A copy of the "Happy Place" meditation will be made available to you in written and audio form for future use and all art materials will be supplied including crystal chips, embellishments and drawing utensils. A short colour reading is also on offer for those interested.
If you would like to read the meditation ahead of time, a copy of the script can be found here.
Topics and flow of the day will be somewhat dependent on the participants themselves but, topics open for inclusion will include:
* What is stress?
* Stress and the brain?
* Where do I feel stress in my body?
* Guided Meditation.
* Mandala Creation.
This session will be a fun hands on workshop with a variety of visual, auditory, physical and verbal presentations and activities to cater for most learning styles.
For pics on past sessions see the following link: Past Kids and Teens Managing Stress and Anxiety Workshops
About your facilitator:
The total cost for this workshop is $30 per participant.
A minimum number of 5 participants is required for this workshop to run. If this number is not reached then the workshop will be cancelled and full refunds will be issued. If you need to cancel, advance notice is needed to refund payments. A minimum of 12 hours is requested and a full refund will be issued (or transfer of funds to another event) if I can fill your spot. If your spot cannot be filled then no refund can be given. (Special Considerations may apply to some participants so please do not hesitate to contact me with any concerns).
Full accreditation with IICT (International Institute of Complementary Therapies) and NDIA (National Disability Insurance Agency), Insurance, Working with Children Check and First Aid Qualifications assured.
For any further queries please call me on 0401 561923.
Kim X


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The key to writing a strong competitive analysis is that you do your research on the local competition. We have a team of creative and highly proficient concierge medicine service providers in various niche areas in the concierge medicine services line of business, a team with excellent qualifications and experience.
Aside from the synergy that exists in our carefully selected workforce, our fees and services will be guided by international best practices in the industry. Services Godsend Concierge Service will provide a wide range of services for our customers. Sustainability and Expansion Strategy The future of a business lies in the numbers of loyal customers that they have the capacity and competence of the employees, their investment strategy and the business structure.
We are aware of the importance of building a solid business structure that can support the picture of the kind of world class business we want to own.
Maintains professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; benchmarking state-of-the-art practices; participating in professional societies. Accountable for providing direction for the business Responsible for signing checks and documents on behalf of the company Evaluates the success of the organization Operation Manager: By offering a corporate concierge service to your employees, you will give your staff: We have been able to critically examine the concierge medicine market, we have analyzed our chances in the industry and we have been able to come up with the following sales forecast.
In Progress Purchase of the Needed furniture, office equipment, software applications, electronic appliances and facility facelift: Gogetter working full-time for GCS. The industry has grown significantly over the last ten years as more people have moved into the upper strata of income due to the technology and real estate boom.
As for the detailed cost analysis for starting a business concierge services company; it might differ in other countries due to the value of their money.
As such, Concierge Service, Inc. Our Pricing Strategy Usually, concierge medicine services companies bill hourly and depending on the type of task, service charges can fluctuate drastically. This is very vital because it is the needful thing to do especially when whilst starting out in trade.
We will also ensure to always stay active in the business by keeping up-to-date through seminars, local expos, business fairs, etc. Oversees the smooth running of the daily office activities. When we adhere to this maxim, everything else will fall into place.
The Company This will be a home-based business with Taylor Gogetter as the sole proprietor. Our competitive advantage lies in the power of our team and management. Promptness in bidding for business concierge related contracts from the government and other cooperate organizations Advertise our business in relevant business magazines, newspapers, TV stations, and radio station.
We will make sure to seize the online world by making sure to advertise our business on social media such Facebook, Instagram, and Twitter. Every business faces a threat or challenge at any part of the life cycle of the business.
This is so because people with financial means would always want exclusiveness in all aspects of their lives. Completed Purchase of All form of Insurance for the Business: Find out who your competitors are by searching online directories and searching in your local Yellow Pages.
Our Mission Statement Our mission is to provide professional and highly creative concierge medicine services that will assist our patients in achieving their health and personal goals. We have a team of creative and highly proficient concierge service providers in various niche areas in the Business Concierge Services industry, a team with excellent qualifications and experience.
Objectives The objectives for the first three years of operation include: Lastly, all our employees will be well taken care of, and their welfare package will be among the best within our category startups concierge service provider businesses in the United States in the industry.
Completed Generating part of the start — up capital from the founders: It will enable them to be more than willing to build the business with us and help deliver our set goals and achieve all our business aims and objectives.
Builds company image by collaborating with customers, government, community organizations, and employees; enforcing ethical business practices.
Clients will only hire your services if they know that they can get nothing but the best from you. Accomplishes subsidiary objectives by establishing plans, budgets, and results measurements; allocating resources; reviewing progress; making mid-course corrections. Responsible for administering payrolls.
We have been able to critically examine the concierge medicine market, we have analyzed our chances in the industry and we have been able to come up with the following sales forecast. Concierge medicine services is a win — win for both the doctors who sign up and the patients who subscribe to the services.
Other companies bill a flat monthly fee based on the number of requests a member or client as the case may be is allowed to place each month. Completed Application for business license and permit: GCS can provide concierge services to companies at a lower rate.
Currently, the economic market condition in the United States is in recession.Nov 24, · This informative business binder provides the essential knowledge you need to plan and start a personal concierge business.
It covers such basics of the personal services business as finding clients, defining your service niche, legal requirements, finance, marketing, and more/5(9).
Starting a personal concierge business can be a great business idea for anyone who enjoys assisting others, has a flexible schedule, and loves variety. Personal Concierge Service Business Plan – Executive Summary.
Peak Performer™ Concierge Services, LLC is a registered and standard business concierge services company that will be based in Baltimore – Maryland, United States of America, but operate all over the United States. The Business Concierge went above and beyond to provide the most accurate and comprehensive research material.
Their team graciously and enthusiastically met every challenge I extended to them, and I do not believe I could have drafted a viable plan without their invaluable assistance. Our team at Lifestyle Concierge is a tool to help with your business as well as personal needs.
More and more companies are finding that offering concierge services to employees and valuable clients differentiates them from the kaleiseminari.comonally, our program provides a cost effective solution for administrative needs.
Free Concierge Service Business Plan For Raising Capital from Investors, Banks, or Grant Companies! Please note that the financials in this complete free business plan are completely fictitious and may not match the text of the business plan below.Download


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Sony Pictures Virtual Reality has announced Groundhog Day: Like Father Like Son, a VR game that is set 26 years after the famous Harold Ramis film starring Bill Murray.
Developed by Tequila Works, the makers of Rime, the game features an original story that includes characters from the 1993 film, and will be coming later this year to PSVR, Oculus Rift and HTC Vive. A teaser trailer for the game can be seen below.
The game puts players in the shoes of Phil Connors Jr., the son of Bill Murray's character from the film. In Like Father Like Son, Phil Connors Jr. is trapped back home in Punxsutawney, Pennsylvania and just like his father, is forced to repeat the same day over and over again.
For more on VR, read our review of Astro Bot Rescue Mission for PSVR, which we called "Amazing" saying "It's hard to overstate how incredibly different and exciting Astro Bot Rescue Mission's new perspective is for the platform genre."
For more on Groundhog Day, read our review of the film on Blu-ray. While you're at it, check out how Bill Murray and Harold Ramis began their 20-year feud during the filming of the movie – luckily, they made amends over a box of doughnuts prior to Ramis' passing in 2014.
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Sony Pictures Virtual Reality has announced Groundhog Day: Like Father Like Son, a VR game that is set 26 years after the famous Harold Ramis film starring Bill Murray.


text: We have an old Collins trailer that I want to sort the brakes on so we have a spare trailer to run grain out the field. Obviously they don't exist anymore, but did someone take them over or same bodies/axles use on another brand? Also is it possible to still get shoes re-lined? On is that not a thing anymore? Tia


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Apple IIGS Diagnostics
Your Rating: Not Yet Rated
Average Rating: Not Yet Rated
RAM Requirement: 256k
Control: Keyboard
Release Status: Abandonware
Year: 1989
Publisher: Apple Computer Inc.
Developers: ?
System 6 Compatible: Yes
Hard Drive Installable: Yes
All ebay results related to this archive:
Apple II GS/OS System Disk / Diagnostic Disk 2 Disk Set - Apple IIgs Computers
AppleService Diagnostics 4.1 for Apple IIe, IIc, IIc PLUS & IIGS on NEW 3.5 Disk
Current Apple IIGS related Auctions Listed By Time Left:
Magneto Bugs for the Apple II+, Apple IIe, Apple IIc, IIGS & Atari 400/800 - NEW
Nishida Radio Apple IIgs VGA Adapter External Housing Cover
Internal Power Supply PCB Apple IIgs
Applied Engineering GS-RAM 1987 Apple IIGS
5pcs unused bare PCB for Apple ii iie iigs Laser128 Apple ii clone
Official Apple IIGS Diagnostics (now including v2.2, v3.0 and v3.1 (Disks with v4.0 and v4.1 labels have been found, but the software itself still reports the newest version as v3.1. if you can provide v4.0 or later versions, if they exist, please submit them), provided for Apple dealers and technicians, includes tests for ROM checks, System Speed / Interupts, MMU / IOU, RAM, Serial Port, Disk Port, Sound circuitry, Video Pattern, Keyboard and Mouse. All tests can be run or selection of tests set to run, the results of which can be logged back to disk.
If you don't have easy access to this software, you can also use the built-in test by holding down the open-apple, option, control and reset keys down, but the built-in test won't provide detailed reports, nor will it provide certain tests.


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Elmer's Lake Geneva Boat Line, Inc
View Website Favorite (1) 195 Wrigley Drive - Lake Geneva, WI 53147
Information: 262-248-9952
Elmer's, a family owned business operated since 1929 is celebrating 80 years of providing a pleasurable lake experience for all. We guarantee cleanliness and our watercraft come fully equipped including FREE GAS!! Our service creates the best well-rounded experience. Your unique experience could include a speedboat, wave runner, or a relaxing sailboat ride on our 30-foot catamaran. We are watercraft enthusiasts and certainly will be able to assist you in whatever we can to guarantee satisfaction. Stop by the boat hut: you won't be disappointed!
Choose Your List(s)
Some name
- On Water
- Boating Services Available
Nearby Places
4th of July Celebration 7/04/2019 Lake Geneva - 0.06 miles away
Elkhorn Antique Flea Market 5/19/2019 Elkhorn - 7.8 miles away
Elkhorn's Star Spangled Celebration 6/28/2019 Elkhorn - 8.11 miles away
Libertyfest 6/29/2019 Twin Lakes - 10.09 miles away
City of Burlington Fireworks 7/04/2019 Burlington - 10.67 miles away
Tour of America's Dairyland 6/20/2019 - 6/30/2019 East Troy - 13.53 miles away
Kids from Wisconsin at Mukwonago 6/28/2019 Mukwonago - 19.67 miles away
Racine County Breakfast on the Farm 6/22/2019 Union Grove - 22.04 miles away
You May Also Like
Dock & Dine: 6 Boat-Up Restaurants for Summer Eats 48 Hours to Explore Manitowoc and Two Rivers Boat Trip: 5 Mississippi River Towns to Explore in Southwest Wisconsin 4 Girlfriend Getaways on Wisconsin's Waterways Fan Favorites: Water Sports in Wisconsin Real Fun: Our Wisconsin Charter Fishing Story Wisconsin Summer Vacation Traditions Travel Wisconsin's The Lake: Summer Commercial Mockumentary Mailboat Tours in Lake Geneva


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Property Details for MLS® # C4236827
36 Valley Woods Wy Nw, Calgary
2 Storey Detached Home for Sale
- Size: 2,229 sq ft
- Price: $654,900
- Bedrooms: 5
- Bathrooms: 3(full) 1(half)
- Parking: 4
- Status: Under Contract
- Year Built: 2005
(Please enjoy the 3D tour by clicking the film icon above) Stunning custom built Greenboro 5 bedroom walk out, located across the street from the ravine, in a quiet neighbourhood. This home offers numerous features which include: 2 fireplaces, vaulted ceilings, open loft area, walk out basement, walk-in closets, granite throughout, hardwood, tile, stainless steel appliances, fully developed lower level, and so much more. The main floor offers a fireplace, large den, laundry area with sink, large kitchen that offers an island with raised eating bar, large pantry & dining area with patio doors leading to the deck. The upper level offers a loft area, 4pc bath, 2 large bedrooms & the vaulted master bedroom offers views of the ravine, a walk in closet & full en suite with large corner soaker tub. The lower walk out level offers a 4pc bath, 2 large bedrooms, rec room with fireplace, utility room & storage area.Also has Central Air Conditioning. Over 3200 Sq Ft of developed living area. A must see!!
Contact Kelly Kernick About MLS® C4236827
Kelly Kernick, 403-875-7629 at Urban Real Estate Services, 820, 26th Street NE , Calgary, Alberta, T2A 2M4
property information
- Property Type: Detached Home
- Style: 2 Storey
- Year Built: 2005
- Total Floor Area: 2,229 sq.ft
- Finished Levels: 3
Community Information
- Address: 36 VALLEY WOODS WY NW
- Neighbourhood: Valley Ridge
- City: Calgary
- Postal Code: T3B 6Z5
- Included: Dishwasher - Energy Star, Dishwasher-Built-In, Dryer, Garage Control, Garage Opener, Humidifier-Power (Furnace), Microwave Hood Cover, Oven-Built-In, Refrigerator - Energy Star, Stove-Countertop Electric, Vacuum System Attachments, Vacuum System(s), Washer, Window Coverings-All
- Bedrooms: 5 (Bedrooms Above: 3)
- Bathrooms: Full: 3 / Half: 1
- Rooms Above Grade: 8
- Basement: Full, Fully Finished
- Floor Finish: Carpet, Hardwood
- Exterior Features: Fenced, Golf Nearby, Landscaped, No Back Lane, Park/Reserve, Playground Nearby, Shopping Nearby, Ski Hill, View
- Exterior Finish: Stone, Stucco
- Construction: Wood Frame
- Foundation: Concrete
- Roof: Asphalt Shingles
- Front Exposure: South
- Frontage: 14.4000 metres
- Depth: 35.7600 metres
Upper Level Room Dimensions
- Master Bedroom: 6.65m x 4.60m
- Bedroom: 3.73m x 3.12m
- Bedroom: 3.73m x 3.02m
Main Floor Room Dimensions
- Living Room: 4.29m x 4.42m
- Laundry Room: 2.90m x 2.46m
- Kitchen: 6.38m x 5.69m
- Dining Room: 6.38m x 4.47m
- Den: 2.24m x 4.44m
Lower Level Room Dimensions
- Storage Room: 5.79m x 2.34m
- Recreation Room: 5.44m x 4.55m
- Bonus Room: 3.73m x 2.69m
- Bedroom: 4.06m x 3.10m
- Bedroom: 3.51m x 3.02m
services & amenities
- Features: Deck, Hot Water Tank - Energy Star, Patio, Vinyl Windows
- Parking: Double Garage Attached, Insulated, Heated (4 Total Parking Spaces, 2 Covered)
- Heating: Forced Air-1
- Heating: Forced Air-1, Natural Gas
Registration Benefits
By Creating an Account You'll Access:
- More Calgary Listings Browse through every listing in the MLS® System and do as many different searches as you like!
- Days on Market & Financial Info See protected details including Days on Market, Taxes, Condo Fees, Possession Dates, and more!
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text:
The Greatest Eye Care Info You Will Discover... Info Number 9 Of 185
Antioxidants can help prevent many eye problems. Studies have proven that antioxidants can help curb some of the biological deterioration people who are aging experience. It is believed antioxidants help by preventing cell damage oxidation causes. You can consume antioxidants through certain foods or even take a supplement; but, be sure to consult with a doctor first before taking one.
Avoid exposing your eyes to bright light for a long period of time. The bright light can cause your eye muscles to strain. They can also damage your eyes. If you are out in the sun all day long, wear a hat and a pair of sunglasses that offer UV protection.
Make sure you have good light when you are reading, especially if the book you are reading has fine print. Although your eyes will not be damaged by reading in dim light, the eye strain it causes will make your eyes feel tired. You should take a break occasionally while reading, especially if your eyes begin to feel tired.
Finding out that there is something wrong with your eyes is bad news. If you have avoided this situation for now, then it's not time for you to sit back and relax. Instead, it's time for you to take necessary prevention measures so that your eye health is maintained in the future.
If you wear eye glasses, be sure you still visit your eye doctor at least once a year. It is very possible for your cute girl glasses frames to stop doing their job; chances are, you will realize this is the case when you begin having vision issues. Your doctor may have to give you new glasses or adjust the ones you already have.
What do you know about caring for your eyes? Do you think it is nothing more than putting on glasses to ensure you can read? Or adding eye drops when your eyes feel dry? If you want to dig deeper, the article below has all of the tips and tricks you need.
Everyone understands that those who can't see need non prescription glasses for kids, but few know much more about eye care. You have received an extensive education on the topic today, so go out and share what you've learned with others. If you can help them care for their eyes, you'll do a good deed.
People who have allergies often have red and itchy eyes. Be careful to avoid rubbing them because that will only make the problem worse. If you have seasonal allergies you can take medication to prevent the symptoms, and you can also use allergen-reducing eye drops. Make sure to follow the directions for the eye drops to avoid future problems.
If you work for long periods of time on a computer, protect your eyes by taking frequent breaks. You might have noticed that your eyes often feel strained, tired and itchy during regular working hours. This is probably a good indication that you're over working them. Get up and stretch for a few minutes, offering your eyes some time away from the screen.
If you want to ensure that your eyes aren't puffy, put your eye gels and creams in the fridge. This coolness will help to reduce inflammation, plus it will feel great when you put it on. Be sure to use your gel or cream every day for optimal results.
To soothe puffy eyes, best place to get glasses a slice of a cold cucumber on top of each eyelid. The coolness from the cucumber slices will calm the puffiness and give your eyes relief. Leave the slices on your eyes for about ten minutes before you sleep at night to reduce minor inflammation.
No doubt your body is going to fall apart as it ages. Therefore, it is of the essence that you take necessary steps to ensure you take good care of your body, eyes included. The information presented to you should be sufficient for you to get a good start with proper eye care.
You should wear sunglasses as often as possible. Sunglasses are more than just a fashion statement, they're a source of much-needed protection from the sun. Sunglasses block Ultra-Violet radiation, which can cause serious and long-term damage to the eye. Sunglasses can even prevent wrinkles and cancer from forming around the eye!
Figuring out eye health obviously can't be done just on your own. You're going to need to work in conjunction with an optometrist, and you're going to have to follow the steps that have been outlined for you. If you do this, you're going to be doing all you can to maintain proper eye care.
What do you know about caring for your eyes? Do you think it is nothing more than putting on glasses to ensure you can read? Or adding eye drops when your eyes feel dry? If you want to dig deeper, the article below has all of the tips and tricks you need.
Keep some form of artificial tear drops around. A lot of eye strain is related to improperly lubricated eyes. By using drops, you can increase the thickness and amount of lubrication your eyes need. If you are sensitive to preservatives, look for a brand that is preservative-free to avoid creating more symptoms.
If your eyes are irritated by pollen or feel dry, use an eyewash. The eyewash can rinse your eyes of the impurities and make them feel more refreshed. Follow instructions on the package carefully. After the eyewash, your eyes should feel much better. Use the product a couple of times a day or as directed.


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Bridge on Orange and Alexandria Rail Road, as Repaired by Army Engineers under Colonel Herman Haupt
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This view by Russell documents the engine Fire Fly testing the stability of a new wooden trestle bridge built quickly by the United States Military Railroad engineers to replace a masonry bridge destroyed by the Confederates. Atop the box car trailing the engine is a pair of armed sentries; others are on the rail tracks and bridge foundation. The top-hatted figure in the foreground is unidentified, but he may be the photographer himself or a civilian railroad engineer working for General Herman Haupt, commander of the United States Military Railroad. President Abraham Lincoln was so impressed with Haupt's work that on May 28, 1862, he observed: "That man Haupt has built a bridge four hundred feet long and one hundred feet high, across Potomac Creek, on which loaded trains are passing every hour, and upon my word, gentlemen, there is nothing in it but cornstalks and beanpoles."
Andrew Joseph Russell (American, 1830–1902)
Hundreds of photographers whose names may never be known made their living following the armies during the Civil War. They worked out in the field tents and traveled at a moment's notice. Photographers recorded the faces of tens of thousands of soldiers: new recruits and veterans—producing a vast likeness of American society. Many Civil War photographers began their careers as apprentices to Mathew B. Brady, America's self-appointed photographic "historian." Initially, a small corps of photographers copied maps and charts for the Union's Secret Service, which were distributed as photographic prints to both field and division commanders. During the Civil War, most photographers worked with the collodion-on-glass negatives, which required delicate and laborious procedures even in the studio. When the photographer was ready for action, a sheet of glass was cleaned, coated with collodion, partially dried, dipped carefully into a bath containing nitrate of silver, then exposed in the camera for several seconds and processed in the field darkroom tent--all before the silver collodion mixture had dried. Given the danger of their situation and the technical difficulty of their task, front-line photographers rarely if ever attempted action scenes. Civil War photographers produced vast photographic documentation of the Civil War. Despite decades of painstaking research by dedicated historians and Civil War buffs, a large number of the era's photographs remain unidentified.


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Billings Public Library hosts "Container Gardening" with master Gardener Sharon Wetsch
Billings Public Library will host Sharon Wetsch on Wednesday, May 1st, to give a presentation on container gardening as part of the Library's Gardening Series. The program will be held in the Billings Public Library Community Room at 5:00 pm.
Join Sharon as she demonstrates the steps for planting beautiful and productive containers with both flowers and vegetables. Participants will have a chance to take home some of Sharon's creations. This one-hour program is free and co-sponsored by the Yellowstone County Master Gardeners.
Sharon Wetsch learned to love the taste of fresh vegetables as a child helping in her huge family gardens. In 2007, she took her lifelong gardening passion to the next level by taking Master Gardener classes, rising to the highest level in the program, Master Gardener 3. She helped organize the formation of the Yellowstone County Master Gardener Association serving as Vice President for 6 years. Her latest accomplishment has been to design and build a brand new Plant Select Demo Garden at ZooMontana. This area will showcase plants that are hardy, drought resistant, and acclimated to Yellowstone County growing conditions. Sharon teaches the Master Gardener Level 2 classes each year and was selected as Master Gardener of the Year for Montana for 2014-15.
For additional information, please contact the Library at email@example.com, or librarian Jennifer Kruger at 657-8290.
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The Lotus PalaceBook - 2013
Concubine servant Yue-ying and aristocratic playboy Bai Huang throw off the shackles of their society's social structure as their love for one another grows.
It is a time of celebration in the Pingkang li, where imperial scholars and bureaucrats mingle with beautiful courtesans. At the center is the Lotus Palace, home of the most exquisite courtesans in China
Maidservant Yue-ying is not one of those beauties. Street-smart and practical, she's content to live in the shadow of her infamous mistressuntil she meets the aristocratic playboy Bai Huang.
Bai Huang lives in a privileged world Yue-ying can barely imagine, let alone share, but as they are thrown together in an attempt to solve a deadly mystery, they both start to dream of a different life. Yet Bai Huang's position means that all she could ever be to him is his concubine will she sacrifice her pride to follow her heart?
& Taylor
Concubine servant Yue-ying and aristocratic playboy Bai Huang throw off the shackles of their society's social structure as their love for one another grows. Original.
From Library Staff
CedarMill_CatyW Dec 18, 2018
Everyone in Pingkang Li believes Lord Bai Huang is nothing more than a pleasure-seeking wastrel and silly flirt, but Yue-ying is beginning to wonder if everyone might be wrong. Is she willing to give up her pride to become his concubine? A dazzling Tang Dynasty romance with a dash of murder myste... Read More »
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Beautifully complex and culturally rich world setting, intelligent characters with great depth and an interesting, well-paced plot. The book has all the markings to be a favorite of many and has left me seriously impressed with the author's talent for storytelling.
Recommended for HR lovers, especially those who would like to get away from European Regency/Victorian HR.
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