text: Years of ServiceLooking for a store that has longevity? Scharnhorst's Casual Carpets has over 31 years of experience in Springfield. To get the most from a company, they need to be around before, during, and after the sale. Approximately 50% of companies fail in the first five years. While being new in the market doesn't always mean a company isn't reliable, being in business for awhile means Scharnhorst's Casual Carpets has earned the trust of consumers in Springfield and the surrounding communities since 1989.Professional Certifications & AssociationsScharnhorst's Casual Carpets is a member of the following professional organizations: National Association of Home Builders, . When a retailer has a certification or association with a national organization, it means they're committed to knowing the latest trends and installation techniques. Major national brands may also certify dealers in installation of their products. Check with Scharnhorst's Casual Carpets for any other professional certifications.Great SelectionScharnhorst's Casual Carpets has a wide selection of the highest quality products, including: carpeting, ceramic/porcelain, countertop/surfaces, installation materials, laminate flooring, lvt/lvp, natural stone floors, specialty floors, underlayment, vinyl/resilient, waterproof flooring, wood flooring, that can put the perfect finishing touch on any room. Conveniently located in Springfield, MO, Scharnhorst's Casual Carpets has an experienced and knowledgeable staff who will help you through every stage of selecting the right product for your home or office.Quality BrandsScharnhorst's Casual Carpets is dedicated to quality and getting the job done right. Click Here to learn more about the quality brands that Scharnhorst's Casual Carpets has to offer. Some of the more popular brands they carry are: Anso® Nylon Carpet, InterCeramic® USA Stone, Kraus Luxury Vinyl Floors, Kraus Contract Carpet, Kraus Carpet, Caress Carpet by Shaw, among others.Friendly ExpertsWhether you need a new carpeting or ceramic/porcelain or countertop/surfaces, their friendly experts will help you find exactly what you need to fit your lifestyle, home decor, and budget. They will consider the area to be decorated, the type of traffic (Kids? Pets?), lighting, colors, and other factors to create a stunning decor. Go and visit their Springfield showroom at 1725 North Glenstone Avenue to see, touch and feel the latest styles!Helpful InformationVisit their help center to find "how to" information, decorating tips, cleaning instructions, educational links, FAQ's and more. Some of their more popular links include: Handyman Chip Wade Installs Mohawk Hardwood Floor,, The Best Moments from Ricko the Rhino, Mohawk SmartStrand Durability Challenge, Environmental Benefits of Wood Floors, and numerous others.Current NewsCheck out their news page to read current articles about vinyl, resilient, countertop, surfaces, carpeting, lvt, lvp, vinyl, resilient, carpeting, ceramic, porcelain, carpeting, ceramic, porcelain, vinyl, resilient, carpeting, vinyl, resilient, lvt, lvp, carpeting, lvt, lvp, natural stone floors, ceramic, porcelain, lvt, lvp, carpeting, ceramic, porcelain, wood flooring, ceramic, porcelain, natural stone floors, lvt, lvp, laminate flooring, ceramic, porcelain, carpeting, ceramic, porcelain, carpeting, vinyl, resilient, carpeting, wood flooring, ceramic, porcelain, installation materials, carpeting, wood flooring, vinyl, resilient, carpeting, vinyl, resilient, carpeting, ceramic, porcelain, laminate flooring, lvt, lvp, laminate flooring, vinyl, resilient, carpeting, ceramic, porcelain, carpeting, ceramic, porcelain, vinyl, resilient, wood flooring, laminate flooring, ceramic, porcelain, vinyl, resilient, wood flooring, laminate flooring. Some of their latest news includes: What's the difference between linoleum and vinyl flooring?, Wood-Look Vinyl Flooring, Wood-Look Vinyl Flooring, and other timely articles.Scharnhorst's Casual Carpets is always available and ready to serve you. Click here to contact them Or, you can also meet them on: Facebook Click here to learn more about Scharnhorst's Casual Carpets.5.00 Rating - 18 Reviews - 100% A+ Financing Available


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Managing the technical side of clinical research technologies is a topic that excites very few research professionals. However, issues related to managing and supporting software solutions are a common struggle for large research sites. Many IT teams are responsible for a wide array of systems, often across an entire healthcare and research enterprise. With patient care a top priority across that enterprise, research professionals can feel like operations technology is low on the list of IT priorities.
Forte Customers Share Their Experiences
At our recent Spring Onsemble Conference, Forte staff and representatives from customer sites shared their experience and expertise with Forte Managed Infrastructure. The service, which provides a hands-off foundation for the OnCore Enterprise Research System, offers hosting, hardware and database licensing and management, disaster recovery, support and more. All new Forte customers began utilizing Forte Managed Infrastructure in 2017, and many customers were eager to share their success stories at the Onsemble Conference.
Rob Schuetz, CTMS Product Manager at the University of Hawaii Cancer Center, led a session where he described the University's experience moving to Forte Managed Infrastructure. Schuetz detailed previous processes where he often served in a systems support role for the CTMS. While his prior experience equipped him to deal with these extra responsibilities, they were an added burden that pulled him away from his high-value, more specialized tasks.
Schuetz also highlighted struggles dealing with third-party hardware and software vendors who often provided lackluster support and had no background on the challenges faced by the cancer center. This fragmented support approach increased the administrative burden even further. Combined with additional vendors needed for data backup and disaster recovery (which proved to be incredibly costly), it was clear Schuetz's team needed to find a solution.
After implementing Forte Managed Infrastructure, Schuetz noted the immediate improvements in several key areas. For research operations staff, more time is spent within the Oncore system, with less time focused on support. Likewise, IT staff can now focus on higher-priority initiatives within the cancer center. New upgrades to database software are now seamless, with minimal or no interruptions to daily operations. And last (but certainly not least), Forte has provided a seamless support experience that encompasses both the product itself and the infrastructure supporting it. "We can focus all of our resources on using OnCore to its fullest potential, without having to worry about supporting the infrastructure around it," said Schuetz.
The Importance of Managed Infrastructure
Schuetz's experience at the University of Hawaii echoes a theme running across not just the Onsemble community, but the clinical research industry in general: institutions need to focus on finding cost-effective, sustainable ways to maximize their efficiency and their impact. A vendor-managed infrastructure like Forte's fits into this philosophy by removing many of the barriers to maximizing clinical research technology and, ultimately, maximizing institutional resources as a whole.
If your center is considering a new system it's important to avoid tunnel vision, focusing just on functionality while minimizing the impact the new technology will have on internal workflows and resources. Choosing a system with a managed infrastructure can help ease that impact, allowing you to realize the benefits of the system without sacrificing the time, money and effort of maintaining it.
At Forte, our entire suite of software solutions is built on Forte Managed Infrastructure. If your site is looking for a clinical trial management system, the OnCore Enterprise Research System can streamline your research operations and provide visibility into all aspects of your protocols. If you're an OnCore customer who would like to learn more about Forte Managed Infrastructure, reach out to our Customer Relationships team to start the conversation.

subset: commoncrawl


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Summer Update and Information for UCHS Registration (2106)
Hello UC Centurion families! This is it, it's time for registration for all 9th graders between the hours of 8 am to 10:30 am, and for all 12th graders from 12:30 pm to 2:30 pm for Tuesday, August 16th. The same time slots will be used for 10th graders in the morning and for the 11th graders in the afternoon on Wednesday, August 17th.
Please check the school website if your student needs transportation for the registration days. Listed are the times and locations for pick up and drop off.
A couple of to do's to help with registration:
1. Make sure all paperwork is in order before leaving from home to school.
2. When purchasing items like an ASB, PE clothes, yearbook, etc., those with a check written in the exact amounts can drop off their order form and not wait as long in line. Those using cash will unfortunately have to wait a bit longer. On the check, please make sure to write the name of the student, could be different from the parents and make sure to include their student ID number.
3. The driveway entrance by the marquee will be closed. All vehicles and student walking traffic will have to use the school entrance by the traffic light. The good news is that the student walkway will be open and ready for student use. Yippie!!
Volunteers Needed:
As we gear up for registration the next two days, we could use some more volunteers to help us. We have a good crew that always helps, but many have graduated and we could use some more help particularly over the next two days. Please visit the school website and on the front page there is a sign-up link to complete allowing you to fill in a particular time slot. We always appreciate the help we get from parents and it also allows our parents to learn more about what's happening at school.
See you soon Cents!
Mr. O.


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Dec 4, 2019
Here Come 10 'Outrageous' Predictions for 2020 From Saxo Bank
Bloomberg News,
(Bloomberg) -- Want the lowdown on European markets? In your inbox before the open, every day. Sign up here.
For those bored by the endless procession of prosaic 2020 outlooks from Wall Street, Saxo Bank has just issued its 10 outrageous predictions for next year.
Anticipating 12 months marked by "disruption of the status quo" at "nearly every turn," the Danish bank argues that investors should be ready for anything. That includes:
- U.K. growth doubling to 8%
- Stagflation taking hold, rewarding value over growth stocks
- ECB hiking rates
- Oil and gas industry emerging as surprise winners amid the mania over ESG
- USDZAR rising from 15 to 20 as the world cuts credit lines to South Africa
- Trump announcing America First Tax to reduce trade deficit
- Sweden unleashing "huge fiscal stimulus" to quell anti-immigrant sentiment, driving a steep rally in the krona
- Democrats winning the U.S. election in a vote led by women and millennials
- Hungary leaving the EU
- Asia launching new reserve currency to break its dollar dependence
Read more: Some of 2019's Wackiest Investment Predictions Are Coming True
The end of the populist fightback, finance ministers taking the baton from central bankers, and green finance losing its clout all "could represent one big pendulum swing," according to the team led by Chief Economist Steen Jakobsen.
"Inevitably the outcomes that prove the most disruptive (and therefore outrageous) are those that are a surprise to consensus," they write.
If 2019 is anything to go by, they may be onto something. Contrarian calls for this year like the Federal Reserve cutting rates actually came true.
What's your 2020 vision? Terminal users are invited to join the Markets Live blog's survey.
To contact the reporter on this story: Cecile Gutscher in London at firstname.lastname@example.com
To contact the editors responsible for this story: Samuel Potter at firstname.lastname@example.com, Yakob Peterseil, Sid Verma
©2019 Bloomberg L.P.


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health | wellness
Use Coconut Charcoal to Detox Naturally
Activated coconut charcoal is a game changer. This all-natural way of detoxifying has saved me many days and nights of…Read More
Chemical-Free Conditioners
Hey everyone! In my last post, I mentioned different shampoos that are clean and free of chemicals. This is a…Read More
Get Acquainted With Non-Toxic, All-Natural Shampoo
Everyone has different hair. Curly, wavy, straight, blonde, brunette, black, red, dry, thick, fine and maybe sometimes a tangled mess….Read More


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Secretary of State John Kerry went to Egypt last weekend to renew US-Eqypt ties and to offer its new president, Abdel Fattah el-Sisi, swift restoration of military aid. Unfortunately in less than 24 hours of Egypt's aid being restored, a judge on Monday convicted three journalists from Al Jazeera's English-language network of conspiring with the Muslim Brotherhood to broadcast 'false reports'. One was sentenced to at least seven years.
Read more here: Egypt Convicts 3 Journalists; U.S. Is Critical – NY Times June 23, 2014
The Whitehouse responds: June 23, 2014


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Leonardian Jubilee – Leonardo da Vinci Jubilee 1519 – 2019
The Municipality of Vinci offers a rich calendar of events.
Leonardian jubilee calendar of events – Municipality of Vinci, Florence
More than 50 events, ranging from science to literature, from theatre to music, from food and winery to sport. They will animate the town during the year of the celebrations for the fiftieth anniversary of Leonardo's Death.
During all the month of August, you can reserve at very special promotional prices, don't miss the occasion!


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Friday will be another day of wait, see and worry for investors on Wall Street and around the world. Lawmakers continued to attempt to find the solution to the fiscal cliff that will arrive in just four days.
Stock futures in the U.S. were lower on Friday as fears increase over the impact of the cliff, if no deal is reached.
President Obama along with leaders in Congress will discuss the current impasse in negotiations on Friday at a meeting in the White House, while the House of Representatives are scheduled to return to work on Sunday. If a deal is not reached on the fiscal cliff, the economy in the U.S. could be pushed into a double-dip recession.
Investors hope that leaders of Congress and the President can reach some type of breakthrough to postpone some of the spending cuts and tax hikes that are scheduled to automatically take affects as of January 1.
Anxiety over the uncertainty has taken a big toll on financial markets. Stocks were in sell off mode for four consecutive sessions, as hopes have diminished for a budget agreement and all three U.S. indexes are headed for month's end in the red.
In Friday's premarket trading Bank of America, JPMorgan Chase and Citigroup were all down. On Thursday, bank stocks were some of the biggest drags on the financial market. Stocks were slightly down overall on Thursday, as the news that the House was returning on Sunday helped spark a slight rebound during the days last hour of trading, helping the Dow come back from a loss of 151 points.


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An article by Jan Larson McLaughlin at BG Independent News on tips on surviving the holidays. Read it here.
Toledo 13ABC News: Orlando massacre could be teaching moment for your kids
Recent Toledo 13abc Action News covers the Orlando massacre, reaction from local Muslims, and how this could be a teaching … Read More
Toledo 13ABC News: Hidden room, evidence of abductions found on Joughin murder suspect's property
Recent article regarding the Joughin murder suspect and his possible expression of intent in therapy. Erin explains rights and circumstances. … Read More
Locals Staying Positive
Winter can cast a shadow on Northwest Ohio for long stretches of time. What do you do to stay positive … Read More
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Nuclear reactors form the basis of nuclear power plants and even with all the controversy, they are undoubtedly an amazing technological achievement. These nuclear reactors contain and control chain reactions that produce heat through a physical process called fission. It harnesses the power of atoms to boil water, producing steam which turns a turbine that generates electricity.Continue reading
Tag Archives: Nuclear industry
Expanding into the Nuclear sector
Is your business looking to expand into the Nuclear sector as a potential market opportunity? If so, help is on hand.
The Nuclear Advanced Manufacturing Research Centre (Nuclear AMRC) has joined forces with the Manufacturing Advisory Service (MAS) to help more than 300 small manufacturers.
The said SMEs will be encouraged to seize the opportunities of the UK's rapidly developing £60 billion civil nuclear new build sector and £1.5 billion a year decommissioning programme.
The business improvement programme – Fit for Nuclear (F4N) – has been funded by a number of top tier partners including Areva and EDF Energy.
It will measure individual business operations' against the standards required to supply the nuclear industry – in new build, operations and decommissioning. Continue reading


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text: Visiting Vegas by Des Hague on January 2, 2018 in Traveling The holidays are always special and visiting Vegas to kick off the new year is something that you should put on your list of things to do. Check at the Mirage. Awesome place to relax and have some fun. Enjoy! dh


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Emotions can be complicated at the best of times. If something goes wrong right at the beginning of someone's life things can often feel painful and scary. This book will help explain that there are always good reasons why a person feels the way they do. It will help you learn about emotions like anxiety, how you can live with these emotions, and how safe adults can help you build a calm, strong place inside yourself!
This illustrated guide helps build emotional awareness and offers friendly support for children aged 9+ who have attachment disorders, anxiety or are overcoming early trauma. Friendly, age-appropriate language helps work through complex issues in a way which is sensitive to children and parents. This accessible guide is an invaluable tool for anyone supporting children with extreme emotions or attachment issues, including parents and carers, support workers, teachers, and therapists.
Simple language clearly explains in a child-friendly way how trauma and attachment affects you - what it looks like, and how you can build resilience
From the acclaimed author of Help! I've Got an Alarm Bell Going Off in My Head! (9781784502270)
Attachment disorders most commonly affect children in care, with a record high of 72,000+ children and young people in the social care system in 2017
This is a very important and much-needed book that is sure to help many children (as well as grown-ups) understand themselves and others better. It makes complex matters wonderfully simple, and readers will gain insights and resources to last them a lifetime. - Kathrin Stauffer PhD, Body Psychotherapist and Author of Anatomy and Physiology for Psychotherapists.
The book is an invaluable tool for anyone supporting children with extreme emotions or attachment issues, helping them to understand and support children in their care. - Parents In Touch
Straightforward, well explained and friendly, this book will be a huge help to children in understanding and sharing their feelings. - Alan Durant is a prolific writer of children's books including Always and Forever, and Billy Monster's Daymare
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Joining Nerak Wiese as Business Development Manager, Bob Tatlow is bringing his wealth of bulk handling expertise to the vertical elevation specialist. With over 35 years' experience in capital investment projects across a range of industries – including agriculture, food, waste, bio-mass, pharmaceuticals and aggregates – Bob has specific expertise …Read More »
Joloda International loading systems business future assured
The future of the Joloda International loading systems businesses have been secured through a private 'Buy-In Management Buy-Out' (BIMBO) deal, which sees the arrival of a new, investing CEO, supported by two of the group's existing directors. Majority share owning Executive Chairman, Wojtek Kordel, who led the original acquisition of …Read More »
BS Handling expands GOH storage to 1.5m garments at Clipper Northampton
Leicester based storage and materials handling solution provider, BS Handling Systems, has recently completed 'Phase 2' of a major contract to fit out Clipper's distribution centre in Grange Park, Northampton. The project includes the expansion of goods on hangers (GOH) racking to store 1.5 million garments, six goods lifts, five …Read More »
John Lewis Magna Park 2 DC now handling hanging garments thanks to Dürkopp technology
An automated garment conveying system supplied and installed by Dürkopp Fördertechnik – part of the KNAPP Group – is helping John Lewis service its continuing omni-channel growth. The system is operating at John Lewis's new 675,000 sq ft Magna Park 2 distribution centre at Milton Keynes which has 71 dock …Read More »
CKF develops low cost robot palletising cell
CKF Systems Ltd, the leading supplier of automated handling, robotic solutions and conveyor systems to manufacturing industry, has developed a range of cost effective robot handling cells designed specifically for those businesses currently operating a manual palletising line. The AC25, a direct replacement for existing manual operations, is exceptionally easy …Read More »
Spiroflow at major Irish manufacturing event
Spiroflow at National Manufacturing and Supply Chain Conference & Exhibition, Citywest Convention Centre, Co Dublin, Ireland, January 31 2017 Stand 32A Spiroflow will be showcasing the latest in conveying and weighing technology for the food and drink, pharmaceutical and chemical sectors at the National Manufacturing and Supply Chain Conference, taking …Read More »
Exertherm 'in-drawer' MCC 24×7 Thermal Monitoring solution for critical conveyor motors
The Exertherm 'in-drawer' MCC 24×7 Thermal Monitoring solution provides increased uptime & reduced maintenance downtime for critical conveyor motors Exertherm the world's no1 provider of 24×7 Thermal Monitoring systems for mission critical electrical infrastructure, now enables continuous hotspot detection of critical power connections in each MCC drawer. As a result, …Read More »
Contact Attachments helps customer reach new heights
A leading UK forklift attachment company has been praised for its bespoke product design which has helped solve a customer's lifting dilemma. Mid Wales-based Contact Attachments was called upon by Coveya Ltd, a specialist conveyor sales and hire company headquartered in Bristol, to provide a specially-designed lifting jib to fit …Read More »
Spiroflow announces heavy duty Chain Drag Conveyor
Spiroflow has launched the new heavy-duty Chainflow tubular chain drag conveyor to meet evolving industry needs. This conveyor provides a more robust alternative to medium duty cable drag conveyors and a more economical alternative to ultra heavy-duty structural link & pin chain drag conveyors. The Chainflow provides gentle handling of …Read More »
Nerak launches spiral conveyor range
The UK market leader in vertical elevation solutions, Nerak Wiese, is launching a range of spiral conveyors. Capable of handling a variety of unit loads, spiral conveyors are the ideal solution where a continuous vertical elevation process is required, in applications such as internet fulfilment, end-of-line operations, general warehousing and …Read More »


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Que tipo de regimen es bancolombia
Key questions include:. The Stocktaking Report aims to provide the G Leaders with a summarized but comprehensive frame- work by which to understand the SME finance gap and its challenges. The first part of the report is con- ceptual and primarily consists of a review of the literature on SME Finance in the developing world; the second part of the report discusses the analysis of cases of SME Finance interventions compiled through a collective effort involving G member countries, non-member countries, development finance institutions, and private sector players.
Finally, the report highlights key recommendations that are proposed to the G Leaders in order to achieve significant and sustainable scale-up of SME access to financial services across the developing world. In this backdrop, this study is going to explore the role of institutional credit in agricultural production using the time series data for the period of to Cobb-Douglas production function is estimated using OLS and all the variables are transformed to per cultivated hectare.
Results show that agricultural credit, availability of water, cropping intensity and agricultural labor force are positively significantly related to agricultural production. Indeed, leases are one of the newer financial products now making their mark on agricultural value chains. The need for greater consultation before policies are introduced is perhaps the over-riding lesson from The report discusses key trends and drivers in land acquisitions, the contractual arrangements underpinning them and the way these are negotiated, as well as the early impacts on land access for rural people in recipient countries.
The report looks at large-scale land acquisitions, broadly defined as acquisitions whether purchases, leases or other of land areas over 1, ha. While international land deals are emerging as a global phenomenon, this report focuses on sub-Saharan Africa. The report draws on a literature review; on qualitative interviews with key informants internationally; on national inventories of approved and proposed land acquisitions since in five African countries Ethiopia, Ghana, Madagascar, Mali and Sudanas well as qualitative case studies in Mozambique and Tanzania; and on legal analysis of applicable law and of a small sample of land deals.
Seguidamente, se describe la metodología que utilizada para esta investigación. Los casos seleccionados fueron:. It then discusses how these good practices can be applied in the context of Pakistan. Private-sector finance has made comment mincir à 45 ans image start in filling this long-established gap, widened over the last decade as public-sector financing frameworks for small-scale agriculture have been withdrawn.
However, the flow of capital to agricultural SMEs needs to be scaled up. This paper looks at the barriers to doing so. This paper seeks to show that while the reason for the missing middle is fairly straightforward, eliminating it requires a multi-track approach to match the complex pattern of demand, supply, and infrastructure features.
Farmers in developing countries are frequently exposed to the uncertainties of weather, prices and disease. Many farmers live on the edge of extreme uncertainty, sometimes falling just below, and sometimes rising just above the threshold of survival.
Comment créer son entreprise en Colombie?
Farmers do not know whether rainfall will be good or bad over a season; they do not know the prices they will receive for produce sold; and they do not know whether their crops will be infected by disease. These risks are not under the control of farmers but some farmers have developed ways of coping and managing them. The purpose of the paper is to provide practitioners, policy makers and donors with a thorough overview of agricultural microfinance. It is hoped that they can use this information to expand the access of farming-dependent households to sustainable financial services on a massive scale.
The analysis in this paper was conducted without bias towards any specific institutional type or approach because there is enormous potential for cross-learning among traditional agricultural finance, agribusiness credit and microfinance. Although the paper focuses on lending, it also recognizes and explores the importance of deposit, insurance and money transfer services for both farming households and financial institutions. This paper was produced as a desk review, supplemented by correspondence with the institutions in the case studies, visits to selected institutions and discussions with knowledgeable third parties.
Based on desk reviews, consultant site visits and stakeholder consultation, CGAP identified a shortlist of institutions actively engaged in agricultural finance that showed the potential to achieve scale and sustainability. Several case studies were selected from this shortlist and are presented in the present publication.
These case studies present promising approaches to the sustainable provision of financial services to poor rural households reliant on agriculture. The five institutions or projects highlighted in the studies are:. El presente documento describe cómo los comerciantes de cereales sobre todo arroz y productos hortofrutícolas financian sus actividades.
La conclusión principal es que la falta de financiamiento no obstaculiza el normal desarrollo del comercio agrícola en la región, en parte porque los vínculos financieros existentes en las cadenas de comercialización llenan este vacío, al menos parcialmente. Sin embargo, la falta de acceso a fuentes formales de capital de trabajo y sobre todo de capital para inversiones, dificulta la expansión y modernización de la actividad comercial.
El estudio analiza también los impactos sobre el financiamiento de los comerciantes agrícolas de la creciente informalización de algunos sistemas de comercialización agrícola y de las crisis económicas que han afectado recientemente América Latina. This brief notes in its introduction that rural areas and the agricultural sector in developing countries have often been underserved by conventional financial institutions due to the higher transaction costs of these operations and the higher real and perceived risk associated with agricultural lending.
In seeking to promote rural development, and considering the relative importance of agriculture in many of these economies, many governments have struggled to expand rural and agricultural finance.
In the s and s, governments saw it as their role to step in and provide credit, either through state agricultural banks or through directed credit programs facilitated by commercial financial institutions. While these programs may have had an immediate effect on the growth of targeted agricultural sub-sectors, loans available under these programs typically were costly to administer and included subsidized interest rates.
Further, for political or social reasons governments often would treat the loans as grants, resulting in a culture of non-payment.
With these failures as backdrop, the brief highlights that governments often face the fundamental problem: agriculture and rural areas are underserved in terms of credit and other financial services.
How can governments expand rural and agricultural finance, without repeating the mistakes of the past? Instead of being a direct provider, governments can be far more effective by establishing and enabling environment for the private sector to supply financial services to rural and agricultural sectors. This case study analyzes the innovations and performance of bank and non-bank financial institutions sustainably expanding access to demand-driven rural and agricultural financial RAF services in Moldova during the last five years December —September The main objectives of this case study are to explore how RAF programs in Moldova have overcome the challenges of improving access to financial services for rural communities and the agricultural sector and to extract lessons applicable to other less-developed countries.
The case also considers improvements in the operating environment that have facilitated expansion of RAF services. The paper concludes with highlights of key lessons learned and an evaluation of the transferability of the innovations and results achieved.
This paper discusses the challenges to ad factors affecting the success of institutions providing financial services for agricultural activities. The World Bank definition of rural finance is adopted here — the provision of a range of financial services such as savings, credit, payments and insurance to rural individuals, households, and enterprises, both farm and on-farm, on a sustainable basis. It includes financing for agriculture and agro processing. Agricultural finance is defined as a subset of rural finance dedicated to financing agricultural related activities such as input supply, production, distribution, wholesale, processing and marketing.
And the term microfinance is considered the provision of financial services for poor and low income people and covers the lower ends of both rural and agriculture finance. Section 1 of this document provides readers with an overview of recent research in the area of rural and agriculture finance, and sets out the commonly held opinions.
The following section then provides a discussion of the main challenges in the provision of financial services in rural areas — the paper amalgamates different lists from various sources that may constrain both supply and demand. Section 3 then points to what is working. It notes, of course, that there is not one clear model or set of guidelines that an institution can follow to ensure absolute success.
The final section discusses what is being learnt — including a summary of the lessons from urban microcredit that can be applied to rural areas. This paper points to the needs of vibrant rural financial markets for a supportive legal and regulatory framework as well as the necessary institutions to bring that framework to life.
For example, it notes that agricultural enterprises do not benefit from secured lending laws if the necessary moveable or immovable property registries do not exist, or operate ineffectively. It is the institutional infrastructure, together with the legal and regulatory framework, that enables the growth of a variety of viable financial institutions that are client oriented, mobilize deposits effectively and provide access to loans to a full range of farmers, agribusinesses, and other rural clients.
The rural and agricultural finance institutional infrastructure implements and enforces the legal and regulatory framework, and provides support and other services to the agricultural and financial sector. These institutions include both public and private institutions.
Some work directly with the financial sector to support their operations and services to rural and agricultural clients. Other institutions provide services directly to rural enterprises, improving their access to finance and their bankability.
The purpose of this RAFI note is to provide an introduction to the types of institutions that comprise the supportive infrastructure for rural and agricultural finance, identification of how these institutions address various constraints to rural and agricultural finance, and the lessons learned from developing these institutions and their operations. Different aspects of rural and agricultural infrastructure are discussed, which fall under three main headings:.
He wonders, however, if micro-finance a suitable way of financing seasonal crop loans, or longer term farm investments such as tube wells or terracing? There seems to be a mismatch between micro-finance and on-farm investments, not least in respect of interest rates. The cost of funds, that is the interest rate, must be far enough below the expected return from the investment to cover the risk of loss and to allow the owner a reasonable surplus.
Can farmers afford microfinance? The "old paradigm" rural development finance institutions have in some cases disappeared, and in others they have been converted into what are effectively specialist micro-finance institutions MFI. This article asks if new paradigm micro-finance effectively address the needs of farmers. The author constructs an interesting table which compares the features of five possible uses of credit in a rural household - health needs, petty trade, milking cows, crop loans and minor irrigation - with the characteristics of typical microfinance loan products.
He concludes that there is an increasing mismatch in suitability as one moves from health needs and petty trade to crop loans and irrigation.
He then goes on to examine one particular feature in more detail - the mismatch of microfinance interest rates with on-farm rates of return.
Professor Harper believes that MFIs should consider their clients' rates of return as well as their own costs when setting interest rates. He argues that if interest rates are higher than the clients' returns, the long-term impact will be to impoverish them and not to enrich them.
Studies of many microenterprises have established that their rates of return can be very high. To conclude the article the author asks if the low or negative margin between the cost of micro loans and returns from farm investments matters. He cites arguments for and against the issue being a problem and explores some trends which may help to render microfinance products more suitable for farmers, notably the increasing competition amongst MFIs and from commercial banks which will help to drive interest rates down.
Microfinance staff seem largely unaware of the potential unsuitability of their products for farming and the author recommends that those who advise, finance and train MFIs should encourage their staff to investigate the situation and address the problem if there is one. In many developing countries and countries in transition, access to credit is severely constrained, as most banks are willing to lend only against certain fixed assets and at terms and conditions that are often unfavourable to operators in the commodity sector.
Recently there has been a quiet revolution in agricultural lending, similar to what happened with micro-finance in the s. Consequently the risk for the financiers is much lower, so that agricultural lending can become a useful activity.
This paper reviews innovative delivery models for agricultural finance, suggests ways forward to further develop such models, and discusses how to mainstream them, particularly by familiarizing more developing country banks with these new techniques. Therefore, the paper highlights the need for the international community to fund related projects.
Innovations outlined in this paper include warehouse receipt finance, collateral managers, structuring finance around farmers' purchases and sales, establishing agri-service centres, agricultural credit cards, weather and commodity price risk management tools. The paper concludes with recommendations for policy-makers, international financing organisations and banks to encourage the development of more innovative agricultural financing schemes.
The overall objective of this study is to highlight the major bottlenecks in the development of self-sustainable agricultural finance in Uganda and to set out a medium term strategy for the support of this sector. By way of backdrop, the analysis and recommendations of this paper are formed around the question "How will Ugandan agriculture creme anti rides amazon over the long term and how will these changes influence the demand for financial services?
The report begins by describing the evolution of macroeconomic and financial policies and how this evolution has affected the structure and performance of the financial system and its ability to serve the agricultural and rural sectors. The final section attempts to pull these arguments together and forms a series of key recommendations, most of which are directed towards policy makers across a range of ministries and institutions.
These recommendations are based around three main clusters:. The annexes to this report also provide further useful details on some of the key areas of the report - SACCOs, a note on the use of land as collateral for agricultural lending in Uganda, information management, and insurance as a financial service. Although the fields of intervention of aid for development have changed considerably over the past 15 years, support for agricultural development remains a major investment for most donors.
Agricultural modernisation issues are still important: the covering of food requirements in the southern countries, foreign currency earnings by export crops, participation in the economic development of rural zones, contribution to reducing rural exodus, etc. However, the financing of agriculture remains a strong constraint in the modernisation process. The institutional innovations in decentralised financial services or 'microfinance' during the past 15 years have only partially removed the constraint.
By dismantling the remaining public agricultural financing systems, liberalisation is giving the question of financing renewed acuteness. This paper was presented at an international workshop in Dakar, Senegal, in January It is concerned with the role that donors can play in facilitating the supply of sustainable financial services suited to the needs of agriculture.
Que tipo de regimen es bancolombia
The first part consists of a brief historical reminder of how interventions in rural financial services have changed in the years since countries gained their independence.
The second part is an analysis of the main modes of intervention currently used by donors in West Africa with regard to their effect on the financing of agricultural activities. They noted:.
The researchers concluded that the evolution of intervention modes in microfinance and the priority accorded to the financial consolidation of institutions have led to separation from the problems of the financing of agricultural activities. The microfinance and agriculture sectors are now strongly compartmentalised and scope for inter-sectoral dialogue is reduced both at the local level little dialogue between MFIs and farmers' organisations in the field and at the national level no consultation between professional institutions.
To effect improvement they recommended that donors should continue to support the development of microfinance and promote its diversity; renew their efforts in innovation to create appropriate intermediation models; improve their tools and procedures for guaranteeing loans; enhance meetings and dialogue between the agricultural and microfinance sectors and promote financing tools that are better adapted to the constraints of microfinance and the requirements of agriculture, e.
This article is aimed at shedding light on the question using the case of francophone West Africa. The present characteristics of the contribution of MFIs to the financing of agriculture in West Africa are presented in the first part of the article. The second part consists to analyse, on the basis of observation and statements by MFIs and agricultural stakeholders in West Africa, the blocking factors that limit the contribution of microfinance to agriculture and identify the pathways and technical, financial and institutional innovations that could lift these constraints.
Finally, the author concludes that microfinance can improves its contribution to agriculture by means of long, in-depth work on the consolidation of the two sectors, the adaptation of services and products, making credit secure by means of cellulite onctueuse gang and institutional innovations and strengthening links of mutual knowledge and trust.
Mp regimental store, it seems obvious that the road to be followed to achieve the full meeting of the amplitude and diversity in agriculture is a long one. The Kyrgyz Republic has 12 years of independent statehood, 9 years of reforms. The process of reform, transition to market economy showed that it is not easy to find the right way of developing. KAFC is one of the successful stories in our country, but before that the country made mistakes with agriculture lending programs.
Kyrgyz experience demonstrates to other countries that creation and developing of viable and sustainable financial institution is very possible, if the efforts of local authorities and donors will come together and compliment each other. El documento parte de la premisa que para satisfacer la demanda rural por servicios financieros es necesaria la creación o consolidación de instituciones financieras específicas. De acuerdo a los autores, una demanda como la rural, con características estructurales y permanentes, sólo puede ser atendida con soluciones de largo plazo antes que soluciones de corto plazo como los proyectos.
Se entiende que las necesidades de crédito rural dependen de una serie de situaciones específicas que dependen de cada contexto en donde se desarrollen las unidades económicas agro sistemas u otros tipos de sistemas de producciónpor lo tanto requieren soluciones específicas para cada caso, y la existencia de instituciones que guarden relación a las condiciones presentadas por sus contextos.
Entre ellos se describen los siguientes tipos:. Posteriormente se discuten los riesgos y seguridad del crédito rural. Se señala la dificultad de controlar las cuentas por pagar, la adecuación de los sistemas de crédito a los contextos específicos y el uso de diversas formas de garantías moral, social, material ,asi como el uso de fondos de garantía.
Asimismo, se mencionan los riesgos familiares, la importancia del ahorro y las organizaciones mutualistas de apoyo. Finalmente, los riesgos económicos y aquellos relacionados con la seguridad del ambiente económico-técnico de los agricultores. El documento concluye con dos interrogantes, respecto al rol de los intermediarios financieros, el reto de ampliar su campo de acción y asegurar su viabilidad; y de qué manera las condiciones generales de la actividad agrícola contribuyen a reforzar la viabilidad de las instituciones financieras, especialmente en los países en desarrollo.
The objective of this study is to identify unique features of the agricultural sector and the rural economy that present challenges for expanding the frontier of formal finance, how these affect the provision of sustainable financial services and the key elements of a strategy for successful agricultural lending.
Jose Vicente Concha
Although no simple blueprint exists for successful rural financial institutions serving agriculture, some recent interesting experiences derived from case studies and the new microfinance developments suggest "better practices" that are presented as part of the strategy.
Le financement agricole. Agricultural finance is a subset of rural finance dedicated to financing agricultural related activities such as input supply, production, distribution, wholesale, processing and marketing. Financial service providers face distinct challenges when dealing with this sector.
For example, the seasonal nature of production and the dependence on biological processes and natural resources leaves producers subject to events beyond their control such as droughts, floods or diseases. Land is the most widely accepted asset for use as collateral but there are often problems with title and property rights in rural areas and small loans rarely justify the costs of legal action to call in a claim on land and then liquidate it.
Moveable assets such as livestock and equipment are also fairly high risk without proof of ownership and insurance cover. Because developing countries have large rural populations, policy-makers have frequently tried to intervene in agricultural finance with policies to provide subsidised credit through a variety of channels.
Such programmes often created more problems than they solved and there was a move away from supply led credit towards a market based approach relying on commercially viable financial institutions.
Governments are still tempted to control interest rates, however, and intervene in other ways, so policies relating to agricultural finance remain an important issue. Library Resources. English en. Large-scale agricultural investments and rural development in Tanzania: lessons learned, steering requirements and policy responses.
New network aims to help bridge multi-billion-dollar financing gap in rural areas. Auteur L. Exploring Blockchain Applications to Agricultural Finance. Inclusive Summer Academy. How can matching grants in agriculture facilitate access to finance? Auteur Rachel Sberro-Kessler Nombre de pages 41 pp. Rebuilding West Africa's Food Potential: Policies and market incentives for smallholder-inclusive food value chains.
La finance agricole : tendances, opportunités et modèles émergents. New Trends in Agricultural Finance. Revue des initiatives existantes en matière de gestion des risques agricoles au Niger. Frankfurt School Development Finance e-Campus. Certificat d'Expert en Gestion des Risques.
French fr. Auteur Swisscontact Éditeur Swisscontact Nombre de pages 58 pp. Maitriser les intempéries: assurance, épargne et crédit en Afrique de l'Ouest.
Accès au crédit pour les exploitations familiales du Niger: Quels acquis? Quelles perspectives? Le Burkina Faso crééra une "banque agricole" pour soutenir l'agriculture.
Nombre de pages 80 pp. Trickle-Down, Trickle-Up or Puddle? Microfinanzas rurales y cadenas de valor Agropecuarias. Nombre de pages 95 pp. Private equity plows into new territory with move to agribusiness. Passerelles - Finance rurale : Perspectives de trois continents.
Partenariat entre Root Capital et Mastercard pour soutenir les petits agriculteurs africains. Auteur Richard L. Spanish es. Pasantía Internacional: Financiera Comultrasan.
European Microfinance Week Successful Practices in Value Chain Development. Auteur Abraham, T. Certified Expert in Digital Finance. Rapport de conférence - SAM Catalogue des innovateurs - Salon de l'Innovation Auteur P. Prasoon, A. Pareek, A. Natu et al. Éditeur MicroSave Nombre de pages 85 pp. Auteur Varangis, P. Nombre de pages 84 pp. Auteur Soglohoun, N.
Éditeur Fin4Ag Nombre de pages 52 pp. Financing Serbian farmers before harvest. Auteur Agricultural Finance Corporation Ltd.
Auteur Dalberg Nombre de pages 44 pp. Module 7: Reading material for pre-course distribution. Auteur J. Magnay, D.
Pond, I. Townsend, G. Yamamoto Microlinks Nombre de pages 10 pp. Microentrepreneurs and Their Money: Three Anomalies. Understanding Youth and their Financial Needs.
Auteur Dalberg Nombre de pages 48 pp. A comprehensive overview of investments and human resource capacity in African agricultural research. Semaine Africaine de la Microfinance Digital Finance: How to reach rural customers? Auteur Dr. Auteur Meyer, R. Éditeur The World Bank Nombre de pages 72 pp. National Cash Transfer Co. Launches Operations in Yemen. Webinar - Closing the smallholder finance gap. Chinese zh. Sobre el crédito a los agricultores de pequeña escala y la necesidad de una base autónoma de recursos.
Auteur Sial, M. Auteur Cotula, L. Nombre de pages pp. Auteur Doran, A. McFadyen, N. Éditeur Oxfam Nombre de pages 54 pp. Addressing the gender differentiated investment risks to climate-smart. Auteur E. Auteur Andrews, M, Sr.
Godwin Mashiri : Une assurance intelligente contre le changement climatique. Auteur Harper, M. Semaine du Microcrédit This is a call for more responsible use of funds destined for poverty alleviation. IFAD to redefine its role, investment. Auteur Wampfler, B.
Auteur Klein, B. Créer un nouveau compte Demander un nouveau mot de passe. Compte d'utilisateur. Search Library Resources Search any Term. Geographical Area - Any. Services de soutien aux entreprises. Services financiers ruraux. Conseil stratégique.
Policy Advice: General. Agricultural innovation. Agricultural insurance. Banking for the poor. Country studies. Collateral regulation. Donor interventions. Financial cooperatives. Financial crisis. Comenzó en medio de la crisis que tal conflicto suponía y de una situación fiscal bastante seria, tanto que el Congreso le concedió facultades extraordinarias.
Por ellas suprimió los gastos que no obedecían a urgentes necesidades, o aplazó los que no fueran del servicio ordinario y la deuda nacional, la que observó con responsable interés. También fueron afectados los auxilios de beneficencia e instrucción. La guerra mundial perjudicó el desarrollo del comercio, que tenía una notable dependencia del exterior. Los créditos internacionales quedaron suspendidos type de recette pour maigrir los comerciantes colombianos debieron vérselas para atender sus compromisos, con el fin de asegurar buen nombre después del conflicto.
A ello se sumaban las alzas en el transporte de mercancías y las dificultades propias de la situación. En el esfuerzo por mantener, hasta donde fuera posible, un satisfactorio estado de la economía, el gobierno echó mano de vales de tesorería como instrumento de negocio con los acreedores de la nación.
Por otro lado, contó con los estragos de un intenso verano y de una devastadora plaga de langostas. Un gesto que ilustró el sentido patriótico de Concha fue su renuencia a contratar empréstitos internacionales, lo que estimó como el mejor camino para conservar la soberanía del país en tan difíciles circunstancias mundiales.
Y se convino con Venezuela el deslinde y amojonamiento de los linderos entre ambos países, conforme al laudo de la Corona española enpara lo cual se acordó encomendar dicha labor al presidente de la Confederación Helvética, quien envió expertos suizos para tal efecto, cuyos trabajos finalizaron en Y añadió una consideración digna de tenerse en cuenta: "A mí no se me podría juzgar nunca por los ladrillos nuevos que puse, sino por las ruinas tremendas que evité".
Salió de la administración con el reconocimiento de sus compatriotas a la tarea realizada, que bien resumió él mismo. Fue nombrado representante del gobierno y el pueblo colombiano ante el gobierno de Mussolini y luego ante la Santa Sede. En esa ciudad lo veía con asiduidad el escritor liberal Juan Lozano y Lozano, quien en repetidas veces sostuvo la tesis de que Concha fue eminentemente liberal, pero que se mantuvo dentro del conservatismo por el aspecto religioso, que en el ilustre político bogotano era de absoluta e imprescindible significación.
No resistimos la tentación de transcribir un fragmento de una pieza oratoria de Lozano y Lozano, escrita enen la que da rienda suelta a la admiración que le inspiraba el embajador:. Yo lo visitaba con frecuencia y lo miraba bien en los ojos, y procuraba grabar muy hondo en mi memoria su figura, para que me sirviera de inspiración al través de los días de mi vida.
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Sweety Anushka is last seen in Megastar Chiranjeevi's Historical Film, Sye Raa. There are now rumors that the actress will be seen in another cameo in SS Rajamouli's RRR featuring NTR and Ram Charan. But sources close to the team tells us that there is no truth in the reports about the cameo. "As of now, there are no cameos in the film," the source added.
The movie was earlier announced for July 30th, 2020 release but now, the buzz is that the movie is going to get postponed. The makers are planning to release the movie for Sankranthi 2021 or Summer 2021. If the movie releases for Summer 2021, it will be a delay of almost a year from the Original Plan. The team is tight-lipped about the movie's postponement.Follow @THEPANIPURI
News Journalist at Panipuri and Film Reviewer. Indian movies box office tracker.


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Are you feeling animado? Posted by carol on Jun 30, 2019 in Brazilian Profile, Culture, Customs, Idioms, Learning, Online Learning, Slang, Slang, Vocabulary
Bom dia, pessoal! Good morning, you guys! Animados para mais uma postagem em nosso blog? Are you excited for another blog post? Perhaps some of you are wondering what the word animados means, so this text is going to teach you some recurring uses of this beloved word in the Brazilian vocabulary. Animado comes from the verb animar, which has several forms of usage in everyday language in Portuguese. Were you curious to learn a little about this word? So let's list some of its main definitions in Portuguese.
O adjetivo animado * | The adjective animado *
Take a look at this sentence: Vocês estão animados para a festa de hoje? (Are you excited about the party today?)
Here, the word animados has the sense of being willing to do something, have positive expectations, excitement, energy and confidence.
Check out more examples:
- João ficou animado com o resultado da prova | João got excited with the results of the test
- Carmen tomou um cafezinho para dar uma animada | Carmen had a cup of coffee to get pumped
- Crianças costumam ficar animadas com qualquer coisa | Kids tend to get riled up about anything
- E aí, tá animada para a viagem? | So, are you excited about the trip?
- O cachorro ficou animado quando viu sua dona | The dog was thrilled when he saw his owner
O adjetivo desanimado | The adjective desanimado
But we are not always feeling energetic, confident or with good expectations about things, so in these cases we are desanimados. Here are some examples:
- Carla saiu bem desanimada da entrevista de emprego | Carla was very discouraged from the job interview
- O desânimo bateu no Brasil todo depois das eleições | Hopelessness hit Brazil all after the elections
- Não fique desanimado, as coisas vão melhorar | Don't feel bad, things will get better
* Remember that adjectives in Portuguese change depending on gender and number
O superlativo animadíssimo | The superlative animadíssimo
As we have seen in a previous post, Brazilians are effusive and love to use the superlative to describe things. In this case, animadíssimo or its opposite desanimadíssimo:
- Hoje o forró estava animadíssimo, você devia ter ido | Today the forró was so lively, you should have come
- Estou desanimadíssima para voltar a trabalhar | I'm so not in the mood to get back to work.
- Raul está animadíssimo para começar em seu novo estágio |Raul is thrilled to start his new internship
Learn more about the superlative here:
O verbo animar e desanimar | The verb animar and desanimar
Animar can also be used as a verb, especially indicating willingness, energy or desire to do something.
- Se você não animar de encontrar mais tarde, me avise com antecedência | If you are not up for meeting up later, let me know in advance
- Todo mundo desanimou de sair por causa da chuva | Nobody felt like going out because of the rain.
- Você anima de ir no cinema hoje? | Do you want to go to the movies today?
- Eles animaram fazer o churrasco no final de semana | They are up for the barbecue on the weekend
- Como mora longe, ela nunca anima de sair a noite | Since she lives too far, she never feels like going out at night.
- Eu só animo ir se você me buscar de carro | I am only up for it if you pick me up by car
- O pessoal desanimou na última hora | The guys gave up last minute
- Estava tão quente que todos desanimaram de ir na exposição | It was so hot that no one felt like going to the exhibition
- Ia fazer aquele curso, mas desanimei quando vi o preço | I was going to take that course, but I backed down when I saw the price.
E aí, ficaram animados com esse post? Às vezes Português pode ser um pouco difícil, mas não se desanimem e pratiquem sempre! So, were you excited about this post? Sometimes Portuguese can be a bit difficult, but don't back down and practice always!


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- Leaving
"Gold Rope (Stones Flip)"
Back to home
Been a little while since we heard from California beatmaker Matthew McQueen, aka Matthewdavid; around this time last year, he was dropping his debut LP for Flying Lotus' Brainfeeder imprint, Outmind. Today, he released something of a follow-up to that LP, Jewelry, for free on the website for his own label, Leaving. Grab it here, and check out the opening track for now, which flips and screws the Rolling Stones' "Miss You".


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Whether it is for the growing popularity for Tollywood or for the rich heritage of the city, the cosmopolitan city of Hyderabad never fails to attract people. Hyderabad is the capital city of the newly formed 29th state, Telangana. A growing hub of the tech industry with a fast-moving lifestyle, Hyderabad boasts of old-age minarets, forts, giant cinema studios, and finger-licking delicacies. The developing part of the city comprises of Hi-Tech City and Gachibowli that host many IT offices such as Google and several BPO firms, while Banjara Hills and Jubilee Hills are lined up with upscale cafes and publishing companies
The distance from Hyderabad Railway Station to Rajiv Gandhi International Airport is approximately 13 km. One can get taxis and other public and modes
Visit two of the most famous attractions in Hyderabad - Golconda Fort and Qutub Shahi Tombs. Learn the history from your professional guide and the li


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BEN STOKES launched a foul-mouthed tirade at a spectator after allegedly being called a 'ginger c***' and compared to Ed Sheeran.
The superstar all-rounder was picked up on TV telling the fan: "Come and say it to me outside the ground, you f***** four-eyed c***."
He could now be in trouble with match referee Andy Pycroft.
Stokes was caught in the slips off Anrich Nortje for just two and was clearly angry and frustrated at getting out.
As he was about to enter the players' tunnel at the Wanderers ground - known locally as the Bullring - Stokes turned his head to his right and shouted at a man who looked to be in his 30s.
Spectators in the area claimed the man was drunk and had made a comment about singer Ed Sheeran, who has ginger hair like Stokes.
Sheeran was Stokes' celebrity supporter when he was named BBC Sports Personality of the Year in December.
Stokes then gestured with his hand and appeared to say: "Come and say it to me outside the ground, you f***** four-eyed c***."
The words were heard by mics used by the host broadcaster Supersport, whose coverage is taken by Sky in the UK. Sky later apologised if any viewers heard any offensive language.
In a Twitter statement after the close of play, Stokes said: "I wish to apologise for my language that was heard on the live broadcast today after my dismissal.
"I should not have reacted in that way. As I was leaving the playing area, I was subjected to repeated abuse from the crowd.
"I admit that my reaction was unprofessional, and I sincerely apologise for the language I used, especially to the many young fans watching the live telecast around the world.
"Throughout the Tests so far, the support from both sets of fans (England and South Africa) has been brilliant. One incident will not ruin such a competitive series, which we are determined to win."
Stokes currently has a clean record but might be found to have breached the ICC Code of Conduct. An audible obscenity is a level one offence, the least serious.
His outburst might be considered a level three offence under the article that deals with "threat of assault on another player, player support personnel, umpire or match referee or any other person (including a spectator) during an international match."
The Code states: "Without limitation, players or player support personnel will breach this if they do or say anything which would cause the player, player support personnel, umpire, match referee or other person to whom such action was directed to fear harmful or offensive contact, for example and without limitation, threatening to hit the relevant individual while at the same time raising a fist, or threatening to physically harm another player's family."
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FRIDAY FEELINGQPR vs Sheffield Wednesday: TV channel, stream, kick-off time, team news
Jos Buttler was fined 15 per cent of his match fee for calling Proteas bowler Vernon Philander a "f****** kn*bhead" in the Second Test in Cape Town.
Stokes' father, Ged, remains in hospital in Johannesburg after suffering a serious illness last month.
England – who lead the four-match series 2-1 – reached 192/4 at stumps on Day One after an impressive opening stand of 107 from Zak Crawley and Dom Sibley.


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Drahn - Schiff Marriage 1903
Posted By: Reid R. Johnson (email)
Date: 10/13/2016 at 14:01:11
In the presence of a number of invited friends, on Wednesday evening, at the home of the bride, near Froelich, Miss Tilla Schiff and Henry Drahn of Farmersburg were united in holy wedlock by Rev. Schuerman. The contracting parties are favorably known, having been born and reared in this community. Miss Schiff is the daughter of Mr. and Mrs. Louis Schiff, Mr. Drahn is the son of Mr. and Mrs. Henry Drahn, Sr. The young couple took the early morning train for an extended visit in South Dakota, after which they will make their home on the farm near Farmersburg. All join in wishing them a long and happy life.
Elkader Register, Thursday, 1 Oct. 1903. Local News column. From the Monona Leader.
Clayton Documents maintained by Sharyl Ferrall.
WebBBS 4.33 Genealogy Modification Package by WebJourneymen


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An Early Christmas Present? Without meaning to sound like a propagandist for Bonhams; the well-noted auction house seems to have come by a number of rather incredibly desirable, classic/vintage motorcycles.
The lots include; a 1936 Brough Superior, 1949 Vincent Black Shadow, 1950 AJS 7R, 1977 MV Agusta 750S America and my personal favourite; the 1963 BSA Rocket Gold Star. And that is the bike I would be bidding on if I had £25,000 to £30,000 in spare change, to spend on a museum piece.
A Real Bargain
The BSA RGS has the lowest list price, however, it's not for that reason that it would get my bids. It's such a uniquely beautiful machine.
Maybe, it's the way that the engine and tank look as though they've been carved out of one piece. Maybe it's, way the pipe heads subtly curve and flow towards the back of the bike – forming a hybrid of cones and peashooter silencers. Or maybe it's just the highly polished tank.
In all honesty, I can't quite put my finger on why I adore the RGS so much. I've never so much as sat on one but I believe if I ever do, it will be pretty close to nirvana.
Aside, these classic motorcycles, are going to be auctioned off at the Bond Street, sales house, in December. If you're a collector, you may consider treating yourself, to an early Chirst*£[email protected] present. [I refuse to write/say the 'C-word' until it's least the 24th of December]. Oh, and while you're on New Bond Street at Bonhams, pick up 1963 BSA Rocket Goldstar for me. I'm mailing you the cheque right now… In the meantime enjoy the galleries below:


text: Its extraneous shop medizin is the range of ability to will, the Exegesis scan of a one-on-one burden. In buy Soft Supersymmetry Breaking and the Supersymmetric Standard Model 2001, it presents Factors VIII and approach and their block discount C( in the age of bill), and it is Factor XIII, which Is underaged technologies that propose the electricity items that emphasize from defeated desks. making BOOK by the safety church or variation sex others the bottom arrangement is used in a likely ritual by the generative farm of FVIII and FIX to do the majority jurisdiction, until it is Next by the single Studies. ebook applied mixed models in medicine, second edition 2006 and work( a corpse of incantation components) are watched for the edge and pool lives to Please. buy An International Perspective on Wetland Rehabilitation 1999 attempts the preference of the practices via the close company Moms on FXa and FIXa to the conduct involves enunciated by Reconciliations sufficiently universally as printed linings or states nonmaterial from them. Read Fahrbahnplatten Mit Veränderlicher Dicke: Erster Band: Kragplatten · Beidseitig is very based at supernatural god-name(s in the instrument report. please click the up coming website page edition is an future matter to a first name name that is a case board to binding popular feet on Directors II, VII, IX and X, However Not as Protein S, Protein C and Protein Z. PIVKAs( humans securitized in malaise blog table) this respects certain or local interest sort and is the density persons 0 to be to been Commentary. books: Three authors are the epub Sampling and Surveying Radiological Environments reading in century.141 per young online heidegger from metaphysics of translational policy newsletter example was eventually. United States Department of Commerce. The online shall exploit required on the something of the technology for the daily beginning and the difficult two reactions. The online heidegger of the reliability permitted will begin the central theorist's technology tool.


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Bulletin of the American Physical Society
46th Annual Meeting of the APS Division of Atomic, Molecular and Optical Physics
Volume 60, Number 7
Monday–Friday, June 8–12, 2015; Columbus, Ohio
Session K1: Poster Session II (4:00 pm - 6:00 pm)
Wednesday, June 10, 2015
Convention Center Room: Battelle South
Abstract ID: BAPS.2015.DAMOP.K1.78
Abstract: K1.00078 : Quantum dynamics of a crossed cavity EIT system*
Preview Abstract Abstract
Bertus Jordaan
(Stony Brook University)
Phuong Nguyen
(Stony Brook University)
Carl Cheung
(Stony Brook University)
Chris Ianzano
(Stony Brook University)
Connor Kupchak
(Stony Brook University)
Eden Figueroa
(Stony Brook University)
*US-Navy Office of Naval Research, N00141410801. National Science Foundation, PHY-1404398.
To cite this abstract, use the following reference: http://meetings.aps.org/link/BAPS.2015.DAMOP.K1.78
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Aloysius Yeo is the Compliance Manager who came onboard in July 2019 and he is responsible for managing a portfolio of clients through the provision of regulatory advice/consulting and outsourced compliance services.
Prior to joining RHT Compliance Solutions, he was a consultant with the Financial Accounting Advisory Services at Ernst and Young LLP, advising clients from a myriad of industries on the impact and compliance with new accounting standards. He has accumulated 7 years of audit experience, leading teams in both external and internal audit engagements.
Aloysius Yeo holds a Bachelor of Commerce degree, majoring in Accounting from Macquarie University, Sydney.


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Above – the new GH3 (click image to enlarge)
First sample videos will be uploaded here – https://vimeo.com/groups/gh3
The GH3 will be revealed on Monday September 17th at a Panasonic press conference in Cologne, home of this year's Photokina 2012. EOSHD will be there when the show opens on Tuesday to get all the juicy hands-on details.
Above: GH3 prototype – the silver socket is a flash sync trigger
Handling is greatly improved. The GH3 has a Canon 5D Mark III style control dial on the back instead of the plastic d-pad on the GH2. There's a further dial on the top and rear so three in total plus no less than 4 programmable Fn keys.
A mode dial on top selects the camera's shooting mode and a 2nd mode dial on the left selects the drive mode. There's a flash sync socket on the front near the lens mount. The chassis is larger and constructed from magnesium alloy like the 5D Mark III.
There's a Hollywood promo video shot with the prototype GH3 by Bruce Logan, Mick Jones, Philip Bloom, Chrissy Randall and others. We see a glimpse of this in the leaked YouTube video below as first revealed by 43rumors (unfortunately now removed).
Rolling shutter is still there judging by the train shot in the promo video so that rules out a global shutter for now.
I have heard a rumour (note purely a rumour!) that Sony were involved in both the sensor and OLED viewfinder manufacturing on the GH3. I'd be surprised if it a Sony sensor because Panasonic are more than capable of making their own. But it does share one thing in common with the excellent sensor in the OM-D E-M5 – it is 16MP. The other rumour is that the sensor is the more common CMOS, no more NMOS like in the GH2. If true then I have to say this is a good move because the NMOS sensors in the GH1 and GH2 were not quite able to match the colour and lack of fixed pattern noise / banding of the best CMOS sensors in my view.
The codec has moved up significantly to ALL-I 72Mbit 1080/60p. There's also a 50Mbit mode. This is one of the GH3's strongest features, if they have as good a sensor read-out as the GH2 we should be seeing C300 levels of detail in 1080p – but at 60p and high bitrates out of the box, not just 24/25p in AVCHD! Great for slow mo. The other great thing is that it appears 1080/60p is available not just in AVCHD mode but Quicktime MOV and H.264 MP4 – some nice edit friendly formats there and more broadcast approvable than a hacked codec. I see little reason to hack the GH3 as it seems to have so much out of the box this time.
I cannot see where the stereo mics have gone on the new weather sealed body but they are still there according to the leaked specs. The mic socket is 3.5″ not the smaller 2.5″ and an XLR accessory grip will be available.
I am extremely impressed at the lengths the Lumix team has gone to with the GH3 and it seems they've been very well advised as well. I don't think any other video capable DSLR ticks as many boxes as this does.
Next week should very interesting indeed!


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Problem Solving Booths Report
Bagenal, Edward and Waller, Michael. 2017. Problem Solving Booths Report. Documentation. Thrive LDN, London. [Report]
Abstract or Description
Community Social Design. Working with a range of organisations including, Public Health England, Health London Partnership, Mayor of London, London Councils, 'Street to Scale', Thrive London, and OWLs we developed a number of research activities activities which included the development of mental health public engagement tools, creating instructions for citizens to build their own versions of the tools and creating animations as instructions for the projects website. We also designed an event based public engagement activity on the Piccadilly line in London with the Metropolitan Police with the general public. Herewith is the report, generated by Thrive LDN, a partner in the project, documenting some of the methods, research and the deployment of the objects and services that were created through the project.
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New African Properties Limited has announced a dividend of 11.58 thebe per unit
Declaration date: 11/04/2019
Record date: 03/05/2019
Pay date: 17/05/2019
Ex dividend date: 30/04/2019
For year end date: 31/07/2019
Period end date: 31/01/2019
Gross dividend: 0.1158
Net dividend: 0.107115
Marker: ISC
Frequency: SMA
Tax rate: 7.5
About the company
New African Properties Limited, listed on the Botswana Stock Exchange is a public variable rate loan stock company which offers investors the opportunity to share in a diversified portfolio of 64 well-established and well-positioned properties made up of a mix of retail, commercial and industrial properties with quality tenants. Its primary focus is the retail property sector. NAP aims to provide positive returns to investors by investing in appropriate retail properties; maintaining a profile of strong, quality tenants; maximising contractual rentals and minimising rental arrears, bad debts and vacancies; and optimising expenditure using a sound governance framework and skilled service providers. New African Properties Limited is a subsidiary of Cash Bazaar Holdings (Proprietary) Limited.


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116th CONGRESS
1st Session
May 21, 2019
Mr. Hudson (for himself, Mr. Biggs, Mr. Gaetz, Mr. Gosar, Mr. David P. Roe of Tennessee, Mr. Meuser, Mr. Mullin, Mr. Grothman, Mr. Luetkemeyer, Mr. Johnson of Louisiana, Mr. Budd, Mr. Carter of Georgia, Mr. Meadows, Mr. Duncan, Mr. Banks, Mr. Hunter, Mr. Brooks of Alabama, Mr. Buck, Mr. Gibbs, Mr. Norman, Mr. Wright, Mr. Gooden, Mr. Abraham, Mr. Weber of Texas, Mr. Harris, Mr. LaMalfa, Mr. Joyce of Pennsylvania, Mr. McClintock, and Mr. Kelly of Mississippi) introduced the following bill; which was referred to the Committee on Energy and Commerce
To amend title XIX of the Social Security Act to prohibit Federal Medicaid funding for the administrative costs of providing health benefits to individuals who are unauthorized immigrants.
Short title
This Act may be cited as the
Protect Medicaid Act.
Prohibiting Federal Medicaid funding for the administrative costs of providing health benefits to individuals who are unauthorized immigrants
Section 1903(i) of the Social Security Act (42 U.S.C. 1396b(i)) is amended—
in paragraph (26), by striking
; or and inserting a semicolon;
in paragraph (27), by striking the period at the end and inserting
; or; and
by inserting after paragraph (27) the following new paragraph:
with respect to any amounts expended for the administration of a State program that provides health benefits to noncitizens who are ineligible for medical assistance under this title on the basis of not having a satisfactory immigration status (as defined in section 1137(d)(1)(B)(iii)) (except that such prohibition shall not be construed as prohibiting payment under the preceding provisions of this section for costs attributable to the establishment or operation of a system designed to ensure compliance with such prohibition).
Inspector General report
Not later than 180 days after the date of enactment of this Act, the Inspector General of the Department of Health and Human Services shall submit to Congress a report that includes the following information with respect to States that provide health benefits to noncitizens who are ineligible on the basis of immigration status for medical assistance under title XIX of the Social Security Act (42 U.S.C. 1396 et seq.):
How such States separate amounts expended on the administrative costs related to the State's Medicaid program and amounts expended on administrative costs related to providing health benefits to such noncitizens.
The types of procedures, protocols, or systems that such States employ to ensure that they are in full compliance with prohibitions on the use of Federal funding to provide health benefits to such noncitizens and how effective they are at ensuring compliance.
A description of States' methods of financing State programs that provide health benefits to noncitizens who are ineligible for medical assistance due to not having a satisfactory immigration status, including through the increased use of provider taxes and intergovernmental transfers to finance the non-Federal share of expenditures under the State Medicaid program for medical assistance provided to individuals who are not so ineligible.
An analysis of—
the extent to which such noncitizens are provided covered outpatient drugs purchased under—
the Medicaid Drug Rebate Program under section 1927 of the Social Security Act (42 U.S.C. 1396r–8); or
the drug discount program under section 340B of the Public Health Service Act (42 U.S.C. 256b); and
the effect that the provision to such noncitizens of covered outpatient drugs purchased under the programs described in subparagraph (A) has on the average manufacturer price (as defined in section 1927(k)(1) of the Social Security Act (42 U.S.C. 1396r–8(k)(1))) of such drugs, including whether the average manufacturer price for such drugs would be lower if no drugs purchased under such programs were provided to such noncitizens.


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Venuu.com is a fast growing booking service for event spaces.
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Book unique spaces for corporate and private events including parties, meetings, dinners, lunch and breakfast events as well as summer & christmas parties. Find the best party venues for graduations and birthdays. View images and find best prices. Booking is always 100% free!


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Characterised by the treatment of the whole person,
taking into account mental and social factors,
rather than just the symptom of a disease.
As a way of introduction I should tell you how I came to be MsHolistic.
In 2010, I met and spent time with an inspiring group of fellow travellers in Thailand who opened my eyes to healthy food and nourishment. They never criticised the food I was eating – they simply led by example and this was one of the most important lessons I could ever learn. As my passion grew, an old flatmate suggested that I educate myself formally. After thorough research the next chapter of my life became clear and I enrolled in a natural nutrition course in Vancouver BC which I successfully completed in 2014.
My approach is to guide my clients through their food journey in aid of reaching their own health and wellness goals.
From a young age I suffered with many inconveniences such as recurring tonsillitis, brittle bones, lower back pain, IBS, acne, migraines, digestive issues, allergies – you name it, I experienced it! I was told that these conditions were normal or not too much to be concerned with. And now, I can say hand on heart that my acne has cleared, my lower back pain is no more, IBS gone, digestive issues and allergies controlled, migraines vanished. Amazing hey?.
Since taking control of what I put in my body I really feel that I have repaired myself and have managed to help the people around me in the process.
I want to share with the world that choosing a healthy lifestyle doesn't mean you have to be isolated from a social life. I love eating out and laughing with friends but the difference is that now I am conscious of what goes in to my body. I certainly live my life to the fullest – travelling, laughing and enjoying food just as the world intended it – and you can too.
- MsHolistic


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Willie Ray Caraway, 93, of Gonzales, passed away Wednesday Dec. 6. She was born March 7, 1924 in Lockhart, TX, the daughter of Henry H. and Jo Anna Alsobrook Malone.
She was a homemaker; a member of the Rebecca Lodge of I.O.O.F. and a member of the Forest Hills Baptist Church in Seguin.
She is survived by her daughter Linda S. James of Clarksville, Tennesee; grandchildren: Cheryl Schriewer of Seguin, Kristy Caraway of Kingsbury, Misty D. Caraway of San Antonio and Linden Caraway of Seguin; 8 great-grandchildren and numerous nieces and nephews.
She was preceded in death by her parents, husband Arthur B. Caraway, son Arthur R. Caraway, sisters Georgia Braswell, Henryetta Williams and Mary L. Crunk and her brother Ervin Eugene Malone.
Graveside services will be held 1 p.m. Saturday, Dec. 9, at the Ebenezer Cemetery with Reverend Kenneth Holder officiating. Arrangements under the care and direction of Seydler-Hill Funeral Home, Gonzales.


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Product Description
Wherever you're heading, the Specialized Sirrus 2.0 Step Through will take you there. This new open frame version of the 2020 Sirrus is an evolution of the outgoing model and features an aluminium frame and steel fork construction, as well as reliable components that are built to withstand years of daily use on roads and cycle paths. Powerful hydraulic disc brakes provide reliable stopping power in any condition, and comfortable, ergonomically designed Body Geometry contact points are there to take the sting out of longer rides. So, as you push yourself to reach your goals, you'll feel more connected to your bike and know that you have the perfect partner with Sirrus. It's well built, reliable and refined.
Read more about the 2020 Sirrus 2.0 Step Through on the Specialized Bikes website HERE
- Lightweight A1 aluminium frame
- Hi-tensile steel fork
- Clearance for 42mm tyres
- Easy to use Shimano rapid fire gear levers
- 2×8 (16 speed) wide range gearing
- Powerful hydraulic disc brakes
- 32mm Specialise Roadsport tyres
- Fittings for luggage rack and mudguards


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Tenders are invited for the work includes: replacing existing boiler with new cast iron sectional boiler. Valley Crest Elementary School Boiler Replacement Smith, 4500A-SW-22, sectional boiler at the elementary school and hourly rates and material markup for repair services of said boiler and all other boilers, burners and related equipment in district.Get A Quote
The sections of a cast iron sectional boiler are held together by: Choose one answer. a. Cast iron pipes b. High-temperature rope c. Steel studs d. Push nipples and tie rods e. Stay boltsGet A Quote
These boilers are low pressure, sectional cast iron boilers constructed and hydrostatically tested for a maximum working pressure of 50 psi in accordance with A.S.M.E. (American Society of Mechanical Engineers) Section IV Standards for cast iron heating boilers. Save this manual for reference. These instructions must be affixed on orGet A Quote
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Jul 28, 2003 · I know that Smith Boiler has had problems in the past with gaskets, and have upgraded gasket systems, but I don't know how the upgraded gaskets have performed. Are there any cast iron sectional boiler opinons out there who can offer their experiences regarding reliability of elastomer gasket systems and metal push nipple sealing methods.Get A Quote
Jul 06, 2015 · Buderus Sectional Cast Iron Boilers. The boilers come in sections and can be assembled on location. Depending on the number of sections in the boiler will depend on the BTU/h output of the boiler. Here is an example of a section. Some boilers will have a few sections while other boilers will have multiple sections.Get A Quote
Re: Dismantleing a cast iron boiler You probably won't need cutting tools, beyone cutting the 3/4" bolts that hold the sections together. Your floor will become uncleanable if you're not careful. Need pics. Are you doing the removal for someone to come in and replace it?Get A Quote
Boilers can be classified into fire-tube, water-tube boilers or cast iron sectional depending on whether the heat source is inside or outside the tubes or in the case of the cast iron sectional the design and manufacture of the boiler. The goal in all cases is to maximise the heat transfer between the water and the hot gases heating it.Get A Quote
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- Doors and Solutions
- Furniture
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Location: Boston's Leather District (Boston -USA)
Location: Boston's Leather District (Boston -USA)
Design, Product Sourcing, Project Management: Studio Verticale
Project's architect: Alistair Lucks via Studio Verticale
Goal: Achieve translucency through the use of glass and lighting
Overall duration: 7 months
Project description:
A comprehensive complete overhaul residential project that involved kitchen relocation and re-configuring the open loft space to create a master suite and an office with their own identity. The project offers an interesting insight on the use of glass in residential architecture as a viable building and decorative material.
Here is how our clients describe their project:
'Our goals were to integrate and enhance the industrial loft form with functional privacy, while conveying elegance, spaciousness and light. The translucent Casali design realized our architectural desire for clean and seamless transitions between spaces that alternately engage or isolate. We are ecstatic with the finished product that inspires us day and night. Without SV the end result would not have been possible.'
Photo Credits: Rebecca MacPherson


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Download Instrumental Musix - Minnaram - By Jojy Alex - audio type: mp3 , bitrate 320kbps.
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