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225 West Main Street
Gaylord, MI 49735
4th Annual Blocktoberfest Coming to Downtown Gaylord
Don your dirndls and lederhosen for Gaylord's 3rd Annual Blocktoberfest! Hosted by the Downtown Merchants' Association and sponsored by local businesses, the festivities kick off on Saturday, September 19th - from 1:00 – 10:00 pm.
Bring the whole family downtown under the Pavilion on Court for a fun day of music, dancing, games, great food and world class beer! Activities on tap include corn hole, games for kids and adults, face painting and more! Check out live music with Virgil Baker and the Just for Fun Band from 2:00 – 6:00 p.m. and the Kari Lynch Band from 7:00 – 10:00 p.m.
Prizes will be awarded for the beard and mustache contests, along with the ever-popular beer stein holding contest. Food will be for sale through the Otsego County Hockey Association and this year's beer garden will serve craft beers and wine from northern Michigan breweries including Snowbelt Brewing Co., Big Buck Brewery, Rolling Oak and Cheboygan Brewing Co.
Admission to the event is free. If you would like to purchase alcoholic beverages, you have the option of purchasing a 12 oz beer in a regular plastic cup, or a 16 or 32 oz commemorative mug for $5 and $10 respectively. Wine will also be available.
Businesses and individuals interested in sponsoring or volunteering at the event can contact Nate or Angielena at Snowbelt Brewery at firstname.lastname@example.com or (989) 448-7077.
The DMA is a group of actively involved business partners who strive to enhance the downtown experience for shoppers, diners, locals and visitors alike. The DMA regularly hosts events in downtown Gaylord, which can be found at www.facebook.com/downtowngaylord.


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Hillside Inside 2020
February 7 - 9
Joyful Joyful
Joyful Joyful is a Toronto-based duo whose strange and beautiful soundscapes have been quietly attracting notice since they began performing four years ago. Drawing on traditional, sacred, and experimental music, Joyful Joyful doesn't sound like anything else. Their performances are unsettling, humane, and hopeful. A thicket of cables and effects transforms a single, visceral voice into a shimmering and otherworldly chorus, making Joyful Joyful's dense drone-hymns at once sorrowful, soaring, and deeply moving.
Performance Schedule
Saturday, February 8th at 10:30pm

subset: commoncrawl


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Why settle for soggy, oversugared, unflavorful store-bought pickles, when you can easily and more cheaply make your own?
If it's quick refrigerator pickles you want, then it's quick refrigerator pickles you shall make. Cukes are cheap (I got mine for a quarter) and the pickling ingredients are nominal as well. I packed my jar with dill, turmeric, 2 cloves of garlic, a pinch of sea salt, black pepper, mustard seeds. Plain white vinegar and a dash of water took care of the rest. I usually wait about 4 days until digging in – and boy, they are good! Try to use them within the week. Discard the old solution, clean your jar in the dishwasher, and try pickling other things, too!
GIRL.I'm just a vegan girl who loves cooking (and eating and sharing the results). I believe everyone should have access to fresh, healthful food. Join me as I explore ethnic foods, local restaurants, new recipes, and food history. We'll have fun!
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Category: Women Dresses
Why Do Girls Want To Be Lovely? A Qualitative Study Proposing A New Human Beauty
Kith Girls's beauty highlights of-the-second magnificence and wellness tendencies from our favorite manufacturers. By way of these dimensions, we might understand the fascinating or desired notion of East Asian girls's physical magnificence. Peace, love and thin appeared to be the motto of perfect magnificence for women in the Sixties. I simply began dating a vogue photographer and am questioning if his being around super young 'beautiful' women will make it more durable to remain confident about myself, particularly as I age.
In 2019, Luxie intends to spoil girls everywhere with this luxury gift set with 6 bespoke rose gold eye brushes. The perfect of thinness and an enhanced look usually drove women of the 1920s to diet and exercise with a view to obtain this look, as well as shopping for cosmetics. Till 1830, massive girls were typically thought of more lovely and fashionable and grasp painters lauded their curves, … Read More
Beauty And Natural Magnificence
Kith Girls's beauty highlights of-the-second magnificence and wellness tendencies from our favourite brands. Yomogi cha (Artemisia tea) is the Japanese marvel herb for ladies's well being and sweetness. Fastrack your beautification course of; buy cosmetics and beauty merchandise for girls online on Myntra at the moment. A beautiful makeup gift set for the girl who loves to accentuate her lips. Beauty is only skin-deep, but the perceived absence of magnificence may result in damaging social bias.
Nevertheless, the Japanese culture individuals seemed to embrace particular person magnificence since they accepted extra diverse standards of their representative stimuli of cultural beauty." As proven in Table three , only 32.26{9292624929ae4937ec1dfe9bcdddb2ea95672b5a4a636ea72891e91e814dbabc} of the Japanese stimuli identified celebrities, Matsushima Nanako and Kitagawa Keiko, as representatives of cultural magnificence" which was the lowest proportion among the three cultures.
Magazines like Vogue China and Talter Hong Kong promote the idea of the 'new girl' – described … Read More
Women & Beauty By Sophia Loren
Are you a Muslim lady who had not been able to find a hair salon that suits your wants in Japan? Next on our record of hottest beauty & make-up reward sets for her we have now a very special merchandise. The paradigm model offered by Strauss and Corbin is a complicated and elaborate part of analysis involving circumstances, context, and consequences 40 , forty two Accordingly, this research may systematically comprehend how HBV is shaped and influenced by the socio-cultural contexts and which social penalties are derived by way of the paradigm mannequin.
This make-up reward set incorporates the powerhouse duo of the model's Drama and Quantity-À-Porter merchandise in full measurement. Make-up and fashion tilted towards a extra pure look. If all of those girls are struggling to seek out products and wonder professionals" still don't know what to do with darker pores and skin and Afro hair, then … Read More
Beauty Redefined
Are you a Muslim woman who had not been able to find a hair salon that fits your needs in Japan? Sabin: The challenges we've confronted are what black girls face in just about any business – the compounding impact of intersectionality – being both a girl and a black particular person; in addition to the dearth of illustration at the most senior and govt ranges of our business, which we know can impact one's potential to get recognized, rewarded and promoted.
Give her these make-up merchandise that she actually makes use of, and attempt to avoid something which may hint she isn't stunning or needs additional makeup assist to cover up imperfections. As evidenced by the fluctuations of popular photos of women in America all through the 20th century, beauty ideals should not a everlasting and unchanging set of expectations.
Each day, the common woman applies greater than 200 … Read More
Women & Magnificence By Sophia Loren
Kith Ladies's beauty highlights of-the-second beauty and wellness tendencies from our favorite brands. In Japanese tradition, the antecedents that affected the pursuit of HBV had been various social norms in look, projection social comparability, intense social competitors in look, and frequent upward social comparability. I mean, we do not use merchandise like pores and skin-whitening creams; a lot of the Turkish girls do not even know what are them, or we're not very fun of getting tan if we're not from Aegean or Mediterranean coasts.
So adding one in all every to a beauty & make-up present set is certainly ok. Although Chinese ladies wished to follow social standards of appearance, they didn't undergo from severe stress because of their appearance since Chinese language culture accentuates not solely women's appearance but in addition ladies's abilities. The women would always praise me on my hair and make-up,†Raines says.
These inconceivable … Read More


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Perceptual Computing Pioneer Awards
Due to positive response from the software community, we are adding an additional set of prizes to the competition. We recognize the creativity and innovation of these individuals and their teams for building Perceptual Computing application demos that pushed the boundaries of human-computer interaction. You are all pioneers and are blazing the trail for a new breed of developers.
All winners are still subject to final verification and documentation completion. Results are subject to change.
Everyone gets a USD $1K cash prize – Congratulations!
Alain Labrie - Combat Flight Sim Perceptual Gaming
Edward Keeble - Center: A meditative physics puzzler Perceptual Gaming
Sebastien Drouyer - Perceptual Earth Facts Creative User Experience
Geoffrey Subileau - PopPop! Perceptual Gaming
Ginna Arango - Work Pause Productivity
Martin Fortsch - Perceptual Parrot AR Drone Perceptual Gaming
Florian Rappl - Sculptor Productivity
Rupam Das - Perceptual ImageGrassy Creative User Experience
Priyanka Borar - PuppeTree Creative User Experience
Rupam Das - Shadow Art Show Maker Creative User Experience
George Vijay - Vacaka Open Innovation
HariHaran Anbazhagan - Gesture Bot Open Innovation
Ansh Khanna - Get-It-Easy Productivity
Garibaldy Mukti - Neo Duck Hunt Perceptual Gaming
Oscar Kurniawan - Shoot The Box Perceptual Gaming
Liran Zaharoni - Perceptual Space Perceptual Gaming
Matthew Marshall - Chronicles Creative User Experience
Mamoru Tsurusaki - AdMaestro for PerC Open Innovation
Yakov Sumygin - Mercury Creative User Experience
Vlad Timofeev - Perceptual Inkball Perceptual Gaming
Minha Yang - Sound-Baking Open Innovation
Ignacio Cossio - Perceptual Drummer Creative User Experience
Eduardo Moriana Delgado - VR Space Invaders Perceptual Gaming
Jorge garcia - Presentyk Productivity
Fred Powell - Foot Scan Application Open Innovation
Cyrus Lum - My Pet Shadow Creative User Experience
Kelley Hecker - Purrceptual Pet Open Innovation
Lance Nanek - Puzzle Tower World Perceptual Gaming
John mcglothlan - Star Gate Gunship Perceptual Gaming
Cyrus Lum - Rail World Battle Perceptual Gaming
Early App Demo Submission Winners
We also recognize the finalists who submitted their completed demo app before 20 August 2013, and who received high scores based on the judges' evaluation of their demos. The following twelve (12) demos (due to tied scores) will each receive a USD $1K cash prize:
Abhishek Nandy - ChaineD Perceptual Gaming
Alain Labrie - Combat Flight Sim Perceptual Gaming
Cyrus Lum - Rail World Battle Perceptual Gaming
Geoffrey Subileau - PopPop! Perceptual Gaming
Kurosh Fallahzadeh - VR Marine Aquarium Creative User Experience
Luu Quoc Toan - Virtual Mouse and Keyboard by Eyes, Hand, Speak Productivity
Martin Fortsch - Perceptual Programming Controlled Parrot AR.Drone Perceptual Gaming
Silke Eineder - NUIA Imagine Productivity
Takefumi Hasegawa - System for Japanese Traditional Card Game Creative User Experience
Thomas Schops - NoTouch Window Control Creative User Experience
Yu Fei - Here is the Information Creative User Experience
Yuanbo She - Obstacle Avoidence and Moving Object Tracking with Smart Robot Open Innovation
App Profile Submission Winners
Finally, we recognize the finalists who submitted complete application profiles before the deadline of 31 July 2013, then successfully completed their demos before the app demo deadline. We have the following ten (10) demos who scored the highest based on judges' review of their application profiles. Congratulations!
Abhinav Aggarwal - Fluid Motion Gaming Perceptual Gaming
Liran Zaharoni - Perceptual Space Perceptual Gaming
Florian Rappl - Sculptor Productivity
Rio Fredericco - Shadow Puppet Open Innovation
Philipp Drieger - CubeSculpt Productivity
Sachin KURLEKAR - Catch the Fish Multiplayer Game Perceptual Gaming
Chen Change Loy - Interactive Multimedia Search (IMuSe) Productivity
Ignacio Cossio - Mech Battlefield Perceptual Gaming
Sebastien Drouyer - Perceptual Earth Facts Creative User Experience
Bryan Brown - PerC Robot Arm Controller Open Innovation
Back to the complete winners list


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Ekaterina Yu. Stanyukovich-Denisova
(St. Petersburg State University, Russia)
Exemplary projects in House Building of the 1730s-1760s in St. Petersburg: Typology and Modifications
The new principles of building, including the building of exemplary town houses, were introduced in Russia in the time of Peter the Great. These new principles ensured the regular structure of St. Petersburg that was considered a model milieu,' Paradise', as it was called by Peter the Great, for forming an innovative society of European type. The next stages of town planning fall on the late 1730-s, when the Commission of St. Petersburg Building proposed, inter alia, the updated projects of one and two-storey exemplary houses, and on the late 1760-s, characterized by the activities of the Commission for Moscow
and St. Petersburg Stone Building. Broad variety of samples of facade decoration limited only by the given compositional scheme relieved the monotony of the uniform town building. Analyzing the Saint-Hilaire axonometric plan of St. Petersburg and the architectural drawings from the National museum of Stockholm, the author traces the development of typology and modifications of the exemplary houses in Petersburg in 1730-1760s and comes to the conclusion that the policy of state regulation of the town building in the 18th c. resulted in forming the architecturally integral and functional city structure.


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Visit our COVID-19 Information Center
Our Hospitals:
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By Location
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Urgent Care Locations:
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Health News Overview:
Tolulope A. Adeyemo, MD, loves developing and building new relationships. Dr. Adeyemo believes the two qualities that describe him best as a family physician are compassion and great listening skills. He believes education and prevention play a major role in quality patient care. Some of his areas of expertise include:
2003 - 2007
2007 - 2011
2011 - 2014
Baptist Primary Care, Inc.
I was born in Nigeria and grew up in Savannah, Georgia. The southeast has always been my home away from home. We enjoy spending time with our family and friends.
My philosophy of care is to treat each patient as if he or she were a member of my own family. There are many factors that contribute to the overall health of an individual including social support, health care costs, and health care access. Empowering patients to take control of their health is also important. Most of all, I believe medical care should be patient-centered.
Outside of my clinical duties, I enjoy spending time with family. I love to travel and experience different cultures. I believe in volunteering and giving back.
11261 San Jose Boulevard
Jacksonville, FL 32223
Get directions to this location:ZIP Code:
Monday8:00 AM - 5:00 PM
Tuesday8:00 AM - 5:00 PM
Wednesday8:00 AM - 5:00 PM
Thursday8:00 AM - 5:00 PM
Friday8:00 AM - 5:00 PM
Dr. Adeyemo talks about allergies on HOT 99.9
Patient-Centered Medical Home Accreditation


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Woods Aitken is proud to announce that Dennis Mann, the Firm's Administrator, has earned the prestigious designation of Certified Legal Manager® from the Association of Legal Administrators. Obtaining CLM certification shows great initiative and dedication to the profession, and demonstrates the mastery of a highly proficient legal administrator. Mann is currently the only active legal manager in Lincoln and one of four individuals in Nebraska to hold the CLM certification.
To earn a CLM, candidates apply their professional experience, complete educational coursework, and pass a comprehensive exam that covers all areas of legal management. By successfully completing this rigorous certification process, the CLM demonstrates their ability to operate at a high level of expertise and dedication to their firm, to the legal management profession, and to the legal community.
Mann is a member of the Association of Legal Administrators-Nebraska Chapter, Lincoln Human Resource Management Association, and Society for Human Resource Management. He has been with Woods & Aitken since 2012 and is responsible for managing staff, financial management, firm culture, and planning. Prior to Woods & Aitken, Mann spent 32 years in various roles at Lincoln Public Schools, including seven years as a high school administrator and 25 years as a science teacher and coach.
Founded in 1971, ALA is focused on the delivery of cutting-edge management and leadership products and services to the global legal community. It identifies and provides solutions to the most critical strategic and operational challenges its members and customers face today, and prepares them for the opportunities and challenges of tomorrow. For more information on ALA, visit www.alanet.org.


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https://zeroproject.org/wp-content/uploads/2014/09/WHO-MiNDbank_Logo.jpg 330 565 Martin https://zeroproject.org/wp-content/uploads/2017/11/logo.svg Martin2014-09-25 18:42:082014-09-25 18:42:08World Health Organization's MiNDbank
A key organization that will be contributing to the Zero Project Report and Conference is the World Health Organization.
Its recently launched MiNDbank platform – http://www.mindbank.info – is making it possible for advocates, researchers and policy makers to quickly access international resources and national level policies, strategies, laws and service standards for disability, mental health, substance abuse, general health, NCDs, children and youth, older persons, and human rights from all around the world.
The MiNDbank already holds 4000 documents from over 170 countries with more being added every day.


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Hotel Pearl Residency in Rameshwaram, 746/1A, Railway Feeder Road, Near Railway Station, Rameswaram, Tamil Nadu 623526
Budget Luxury Recommended & Verified
Hotel Pearl Residency is conveniently located in the heart of the city, close to the Temple, Shopping centers, Business centers, the Bus-stands and the Railway Station in Rameshwaram.
View on Map
(1 Ratings)
Starts From Rs 2300For Family and Business
Daiwik Hotels, NH- 49, Madurai Rameswaram Highway, Near Rameswaram Bus Stand, Rameswaram, Tamil Nadu 623526
Business Luxury Recommended & Verified
Daiwik Hotel is india's first pilgrim hotel chain welcomes you with the perfect travel experience. Our Rameshwaram hotels is designed in a blend of luxury, service and security. And with...
View on Map
(0 Ratings)
Starts From Rs 2,500For Family and Business


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Acetone is a general purpose solvent for cleaning and thinning. Used in the workshop for cleaning polyester resin form brushes and surfaces.
Di-Clean is a low viscosity and low VOC's (Volatile Organic Compounds) specialist solvent that has multiple applications such as; thinning various silicones for painting applications, cleaning and degreasing silicone for painting, and shrinking and expanding silicone.
99.9% isopropyl alcohol also known as IPA. Used by make up artists with many SFX products and the activation of AA palettes, also used for cleaning brushes & equipment and for cleaning and degreasing silicones before painting. Dispatch upon this product is approx. 5 working days


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If you need Mortgage Broker service in Woodvale, we can help you. Give us a call for more information.
Mortgage and Finance help by way of Mortgage Broker Woodvale
Mortgage Perth
Mortgage Broker in Maylands, Australia
Address: 212 Whatley Cres, Maylands WA 6051
Phone: (08) 6279 1459
While searching for a lending product in Woodvale , you would like the professional guidance and skill of a professional mortgage broker . Just about every mortgage company , such as the large four financial institutions , second-tier financial institutions and qualified loan providers , presents distinct products with various features , a few of that should match your main goals as well as way of living , many which often will not .
The key reason why make use of Mortgage Broker Woodvale
Industry expertise
Your mortgage broker may use their experienced industry know-how to assist you sift through them as well as , as opposed to a banking lender , will find one that almost all precisely suits you .
You can be expecting , when the time has come to make the decision and also make a decision on 1 , that your own credit expert may well supply you with 2 or three choices that is going to just about all be ideal , with a referral for 1 most especially that stands apart .
Our mortgage brokers are active members as well as accredited with the MFAA
The MFAA difference we are here when you need Mortgage Broker in Woodvale.
MFAA Certified Credit Experts needs to satisfy higher education and specialist development requirements compared to industry regulation necessitates , and they continually take part in training as well as development courses run by the MFAA as well as others . They can also be answerable to the MFAA Tribunal , which imposes fees and penalties on members that may be found to have breached the MFAA's Code of Practice . MFAA Accepted Credit Advisers not only enjoy the support together with resources to be the greatest , their livelihoods count on it .
Exactly how is a mortgage broker compensated for the tasks they do ?
Who compensates the Mortgage Broker from Woodvale
Needless to say , credit advisers receives a commission . This doesn't indicate your current credit adviser is not on your own side . In case you notice a credit adviser or maybe a bank lender , that man or woman before you earns profits by marketing you a home loan .
The main difference , then ? The Woodvale bank lender is there to supply you one of their loans . The credit adviser will be there to assist you to determine a product from the selection of lenders that has worked in your case and that you can also revisit to them every time you're wondering about refinancing , so therefore you happen to be contented recommending those to friends and family .
A mortgage or finance credit mentor can present you with the advantage of choice : a good number of brokers have got a panel of lenders from whom they source loans providing you with a bigger number of possibilities to discover which products are likely to ideal align with your individual needs .
Refinancing or buying an investment property or a business enterprise we are able to facilitate .
Before you decide to see someone…learning regarding the basic home loan necessities will help as well as hurry things up while sitting down with the Mortgage Perth Broker .
Queries To Seek advice from Your Broker about Mortgage Broker:
What amount should certainly I borrow ?
What's a simple way to expand my borrowing capacity ?
Will need to I possess a fixed rate , adjustable rate or split rate ?
Just how do I pay down my mortgage sooner ?
What do I need to know concerning debt consolidation loans ?
How to increase my financial position ?
In case you're in the market for a trusted professional to help you with your property or company financing , consider making use of a MFAA Approved Credit Advisers by way of Mortgage Perth .
7 Industry Secrets from Your Mortgage Broker Woodvale
Regardless of whether you're funding your future home , funding your investment property , refinancing or applying for the initial loan , our seasoned mortgage brokers obtain decades of knowledge in the area .
The fact is , a few would certainly say , they've seen every thing in relation to client loan applications . That is certainly terrific information since it would mean they actually have a lot of advice to enable you to avoid genuinely rejected by the banks and for getting your own loan sanctioned . Below are 7 of the best…check these taken out !
Be Prepared- Gain all of your documentation ready and offered to keep away from waiting times or difficulty with your application . If you are not sure what's required , inquire your mortgage broker as well as in no way make an application for a loan should you're poorly prepared .
Stay Put- Once you know that you're likely to submit an application for a loan over the subsequent several , a half dozen and even a year tend not to switch jobs , lower your hours , go casual or even temporary , replace organizations , or simply abruptly commence a whole new company . Lenders like stability and a consistent track record and will request evidence of ongoing employment as well as business enterprise achievements of as much as 24 months , in the event that self-employed .
Truthfulness is the most effective Policy– You should not , under any kind of situation , be dishonest , fib , neglect information or forget to include required financial information on your credit request . Simply because the banks will find out and they do not like errors , surprises or simply erroneous people who apply .
Don't Check Your Credit Score– Banks undertake their very own internal credit scoring on every loan applicant and it's fairly acknowledged fact but every credit enquiry you are making registers as an unfavorable mark against your credit score . Consequently keep away from providing credit enquiries since this is not considered favourably . Alternatively , have your broker accomplish this on your behalf because this will likely not impact your credit history .
The History Counts– Banks appreciate past activities as a great predictor for the potential future as well as with centralised credit investigation everything counts . As a result preserve a good credit rating without exception . Which means that having to pay your loans , credit card bills and credit cards by the due date , as well as not going over your current credit limitations as well as demonstrating proof of personal savings . Banks will check up to one year of your documents together with your credit ranking to authenticate this .
Snow White Spending– Be mindful of your own expenditure behaviors and you can keep them nice and clean for a minimum of half a year ahead of when you need to apply . Lenders despise finding questionable spending on credit or debit cards such as regular withdrawals of funds at the Casino , that could indicate a betting situation , or constant massive payments from liquor shops , that could establish a drinking problem . Also , don't abruptly open up new credit card accounts or spend erratically .
Different Strokes for Different Folks- Be aware that very few loan companies are the same exact . The fact is , certain lenders specialise in numerous parts of lending . This means that merely because you may have your own private business enterprise , are self-employed or had a dilemma with credit in the past which you won't be approved .
Talk with your Woodvale broker and clarify your circumstances to allow them to highly recommend the the best option lender for Mortgage Broker .
If in case you have any issues or require help out with your loan application , phone (08) 6279 1459 immediately . (08) 6279 1459 from any area of Woodvale.
If you are buying or refinancing and need a mortgage to buy a home or investment property in Perth, Western Australia, expert mortgage help is available now.
Whether you're a First Home Buyer or are wanting to buy a new house, Mortgage Perth will find you the best loan and guide you step-by-step through your application.
Mortgage Perth's experienced mortgage experts will be able to help you find best mortgage to suit your needs…
Ken Crawford
John Sharman
Peter Cirillo
Diane Regan
Read our client reviews…
Call Mortgage Perth's 24/7 mortgage advice hotline on 0411 86 5959.
If you're calling from overseas and looking to move to Perth, Western Australia, call +61 411 86 5959
Alternatively, fill out our online contact form and we'll get in touch with you!
Mortgage Perth
212 Whatley Cres, Maylands WA 6051


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Once the sun begins to warm up our days, our minds and outfits get into the long-awaited Spring-Summer mood. Why keep dreaming about it since you can have a look at the beauty of new outfit's flavours? Today, we want to give you a preview on the new collections you'll find at the store or on the online shop. Very soon, you'll wear the marvellous Summer-Spring shoes 2019!
Let's have a look at some of the next top designer shoes for your outfit!
New collections women's shoes
The first warm days allow us to give more freedom to our feet. Wedges, heeled sandals, pumps and sneakers will be the perfect shoes for the next Spring-Summer women's outfit!
Let's start the preview with the Made in Italy style of Pollini. The Brand presents a heeled sandal that is meant to set a new trend, thanks to its game of bands on the top of your foot.
Pollini gives us a taste of tenuous shades for the next months. Its wedge has a unique summer flavour!
Guess and its footwear brings the style of elegance into the next season. Its pumps are a mix of finesse, beauty and sensuality.
Guess high sandal is ready to play the role of protagonist in your charming summer outfits.
Windsor Smith is the Brand for those who want to stand out. Its new collection brings great news. Enjoy the preview of its black heeled sandal.
Premiata shows its new collection of Spring-Summer sneakers 2019. Do not miss the chance of wearing one of the most beloved Brands!
New collections men's shoes
Premiata gives its unique style to men's fashion too. The comfort of its sneaker makes this model of the most versatile shoes ever!
For the Clarks lovers, over this Spring-Summer season, they can keep wearing its iconic ankle boots.
Let's conclude with elegance this preview on Spring-Summer shoes 2019. You can always rely on Fabi lace-up shoe with its Made in Italy style.
Did you like the new collections preview? Waiting for wearing all the new creations, visit the online shop to discover the last deals on our designer shoes. You'll find us at the store, too!


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Mr. AtorEmail: email@example.com
Phone: (570) 459-3221 ext.Grade (s): 5Subject (s): Math -Science -Social Studies
(Welcome to Third Grade!)Dear Parents,I am looking forward to an exciting year in fifth grade! This will be a challenging, yet rewarding year for your child.I welcome your input and support in what will surely be a positive and memorable chapter in your child's school career.Sincerely,Mr. Ator


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Galatians 5:22-25 Amplified Bible (AMP)
22 But the fruit of the Spirit [the result of His presence within us] is love [unselfish concern for others], joy, [inner] peace, patience [not the ability to wait, but how we act while waiting], kindness, goodness, faithfulness, 23 gentleness, self-control. Against such things there is no law. 24 And those who belong to Christ Jesus have crucified the [a]sinful nature together with its passions and appetites.
25 If we [claim to] live by the [Holy] Spirit, we must also walk by the Spirit [with personal integrity, godly character, and moral courage—our conduct empowered by the Holy Spirit].
Amplified Bible (AMP)
Copyright © 2015 by The Lockman Foundation, La Habra, CA 90631. All rights reserved.
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COLUMBUS - Hide tanning is the process of treating skins and hides of animals to produce leather. As far back as 7000 B.C., ancient civilians used leather for water skin bags, tack and harnesses, shoes, quiver's, amour, and much more. The history of the Native American culture is a great example of what and how pelts were utilized. Pelts were worn, used for blankets, moccasin soles, shields, buckets, tee-pee's, ect. In the early 1500's, the first Europeans purchased furs from Native Indians in exchange for guns, metal utensils and cloth. Today, fur pelts are used for fashion, home décor, blankets, and taxidermy.
To continue the tradition of preserving and using hides, Cherokee County K-State Research and Extension is pleased to have local native Kelly Ward, of Ward's Taxidermy Works & Wildlife from Galena, to lead a hide tanning workshop. Kelly has been practicing hide tanning and taxidermy for 26 years.
Mr. Ward will offer his knowledge and experience to present Hide Tanning 101. The program will take place in the Cherokee County 4-H Building located at 114 W. Country Rd in Columbus, from 9 a.m. to noon, on May 5. Mr. Ward will discuss and show techniques on fleshing and beaming, step by step at home tanning and fur dressing, and a live demonstration on a fleshing machine.
For any questions or more information, please contact the Cherokee County Extension Office at 620-429-3849 or email firstname.lastname@example.com.
K-State Research and Extension is an equal opportunity provider and employer.


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Playing in what is the most fan-friendly sport of the major sports, Wayne Gretzky was its goodwill ambassador, a title he has kept in his retirement. A willing signer for fans and collectors his entire life, Gretzky has rarely disappointed anyone seeking out his autograph. His early signature from the 1980s was very slow, choppy and almost childlike. By the late 1980s, Gretzky had found his groove and developed a very quick and easy-to-read signature. Gretzky's autograph remained the same for the rest of his career. Gretzky will typically add his jersey number (99) when signing his name.
Wayne Douglas Gretzky (January 26, 1961-) is generally considered the greatest hockey player in the history of the NHL and is the only player in the history of professional sports to have his number retired league-wide while he is still alive. (Jackie Robinson's number 42 was retired by MLB in 1997.) Wayne grew up in Branford, Ontario, a suburb of Toronto, where his father, tired of freezing to death in the cold, built a rink in their backyard. Wayne spent hours upon hours practicing and skating, honing his skills in the backyard and became known as the "White Tornado" as he moved through the ranks of midgets and peewees, prior to joining juniors. Gretzky played above his age bracket and each year his skills improved, culminating in a 378-goal peewee season, his last. At an early age, Gretzky developed an extraordinary ability to see the entire ice and know instinctively where his teammates were on the ice, a skill that would suit his playmaking abilities for his entire career. Wayne played only one full year in the Ontario Major Junior Hockey League with the Sault Ste. Marie Greyhounds scoring 70 goals and 112 assists for 182 points in 63 games before he joined the Indianapolis Racers of the World Hockey Association. He won the OMJHL's Rookie of the Year and Most Sportsmanlike Awards as he smashed the single season scoring record. (He was ineligible to enter the NHL Entry Draft due to the NHL age limit of 20 years old.)
After playing only eight games in Indianapolis, Gretzky was traded to the Edmonton Oilers, also in the WHA, for the duration of the 1978-79 season. He scored 46 goals and 64 assists in his first professional season, winning the WHA's Lou Kaplan Trophy awarded to the league's Rookie of the Year. When the WHA folded, the Oilers were merged into the NHL with three other teams and Gretzky's NHL career took off. Wayne made the Oilers a virtual instant contender as they built around their star center. In his rookie NHL season, Wayne led the NHL in assists for his first of 16 times and points for his first of 11 seasons including eight straight years. Wayne's astonishing numbers with Edmonton culminated in the 1981-82 season when he scored a record 92 goals, surpassing Phil Esposito's previous single-season record of 76, and 212 points, again surpassing Espo's 152 points in a single season. This season he also surpassed the record of 50 goals in 50 games set by Rocket Richard and matched by Mike Bossy, when he scored 50 goals in 39 games. "The Great One's" career was wrought with highlight after highlight and award after award. He won the Hart Trophy (NHL's MVP) nine times, including eight consecutive times (1980-1987, 1989); the Art Ross Trophy ten times (NHL's point scoring leader); the Lady Byng Memorial Trophy five times (gentlemanly conduct) and the Ted Lindsay Award five times (most outstanding player as chosen by the NHLPA).
The high-powered Edmonton Oilers of the mid-1980s won four Stanley Cup Championships (1984, 1985, 1987, 1988) and Wayne was named the Conn Smythe Trophy winner in 1985 and 1988 as he scored 47 and 43 points, respectively. In 1988, Wayne was traded to the Los Angeles Kings where he led them to the Stanley Cup Finals in 1993, falling to the Montreal Canadiens in five games. Wayne played 22 professional seasons with the Pacers (1978), the Oilers (1978-1988), the Kings (1988-1996) the St. Louis Blues (1996) and the New York Rangers (1996-1999). Wayne was named to eight NHL All-Star First Teams and played in 18 NHL All-Star Games. Wayne Gretzky finished his career with 894 regular season goals and 1,963 assists for 2,857 points in 1,487 games while posting a +518 plus/minus. He also had 46 goals and 64 assists for 110 points in 80 WHA games. In the playoffs, the Great One scored 122 goals and 260 assists in 208 games capturing four Stanley Cup titles with Edmonton. Upon his retirement, Wayne owned or shared 61 NHL records. Wayne Gretzky was inducted into the Hockey Hall of Fame in 1999, immediately following his retirement after the three-year waiting period was waved. The Hockey News named Wayne Number One on their 100 Greatest Players list in 1999. After his playing days ended, Wayne Gretzky became the owner of the Phoenix Coyotes and coached the Coyotes from 2005-2009 compiling a record of 143-161 in 328 games.


text: The Kingaroy Visitor Information Center by choofchoof | May 10, 2016 | 0 comments Related Submit a Comment Cancel reply Your email address will not be published. Required fields are marked *Comment Name * Email * Website Save my name, email, and website in this browser for the next time I comment. Notify me of new posts by email.


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Jamie Wang - China
I was recommended VISA Plan Writer by a friend, so I knew I would be happy with their services.
Jamie had an idea of a business he wanted to start in the UK before he approached us.
The challenge for his business plan was in proving that he could achieve the milestones we lined up for him.Get your visa .
The innovators.
Jamie had gained his undergraduate degree in the UK in Business & Economics and decided that instead of continuing his education he wanted to start a business and apply for his tier 1 VISA.
The business.
We felt that Jamie would not be able to realistically manage to drive the business on his own and if we thought that, the home office would to. In light of this we encouraged him to invest in an existing business.
The business Plan.
Once we found him a suitable business, Jamie met them and it was a great fit. After this, a business plan as written to best explain the match, the investment type, and the reason why the business would be successful.
The VISA.
Jamie had really good business sense to begin with, and our business plan ensured all avenues were taken care of for his interview. The company he invested in paid his legal fees for his visa application and they have continued to go from strength to strength since.


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Bright Summer Blessings Wonderful Reiki Friends,
You are cordially invited to come on out and celebrate your wonderful and fabulous selves at Studio 34's very first Reiki Share! Feel free to bring along all of your wonderful and fabulous Reiki friends, too! More details below. Hope to see you there!
Love, Fran
Studio 34 Reiki Share
Thursday, June 12, 6-9pm
Give some, get some! A Reiki Share is a wonderful way to meet and exchange Reiki with other Reiki practitioners, learn new skills, make new friends, develop confidence as a healer and have fun while making a positive difference on Earth! Reiki Practitioners of all levels and lineages welcome. The June share will include: a guided Reiki meditation, Reiju empowerment (optional attunement boost), healing session exchange and closing blessing. Tea and water provided by Studio 34--please bring a mug. Snacks and extra bodywork tables also welcome. Suggested donation: $5-$10 (Note: 6pm to gather/6:30pm to share--The share begins and ends promptly--please be ready to begin at 6:30). For more info, contact Fran Staret by email or phone (215.385.0583).
4522 Baltimore Ave.
Philadelphia, PA 19143
215 387 3434
Parking & Transit:
Free on-street parking
Bike post a few doors down
The 34 Trolly stops at the corner of 45th St. & Baltimore Ave.
The R3 Regional Rail Train Station at 49th St. & Chester Ave. is within 10 min. walking distance.
Fran Staret
Reiki MasterTeacher, Integrated Energy Therapist


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Frame Curtain Stick Curtain Rope Steel Steel Terminal FOLLIA AMBRA Vami. The rod, available with tear-away movement and rope movement, is made of steel. TERMINAL: Amber Folly Diameter: 25 mm. Enter the "more actions" drop-down menu. Select the reason you want to make the object, indicating a small description. The only conditions that we request are inherent to the product. Must not have undergone any type of corruption. Must have attached the tag and be fitted with its original packaging. We would like very much to comment and for this reason we would like to say a few words to clarify certain aspects of this tool. 1 or 2 stars is extremely negative, 3 and 4 stars is not sufficient, 5 stars is < span class = "notranslate" > enough. We are ready to solve any problem! The item "Curtain Rods Stick Curtain Rope Blind Steel Terminal Madness Amber Vami" is in sale since Friday, July 26, 2019. This item is in the category "Home, Furniture & DIY\Curtains & Blinds\Curtain Poles & Finials". The seller is "saranistore" and is located in Terzigno, NA. This item can be shipped to North, South, or Latin America, all countries in Europe, all countries in continental Asia, Australia.
- model:: Follia Amber
- Unit Type: Stick with finals
- MPN: Does Not Apply
- Material: Steel
- Country of Origin: Italy
- Brand: Unbranded


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Weapons of Warfare BJ Harper
Minister BJ Harper preached on the Weapons of Warfare
She speaks about the things that we need to equip ourselves with Right Now
Our we dehydrated in our Spirit?
Our we prepared for the warfare we are facing?
Victorious Life Christian Center
The Pursuit of Excellence in Ministry & Lifestyle
For information regarding messages, prayer requests, and or concerns contact
or email firstname.lastname@example.com


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- All
- News & Topics
Regarding Maintenance of the Osaka University Official Homepage (August 16, 2017)
We will be performing maintenance on the Osaka University Official Homepage all day on Wednesday, August 16, 2017.
During this period, there may be times when you will be temporarily unable to view portions of the website. We kindly ask for your understanding.
For more information, please contact:
Public Relations Division, Department of Planning, Osaka University


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An Immodest Proposal for Dress Code Policy
Sarah Hechtman
2223 34th Ave NW Jasper, FL 45002
RE: An Immodest Proposal for Dress Code Policy
Dear Ms. Hechtman:
Over the past few years of attending your otherwise exceptional high school, I've witnessed increasingly outlandish fashion statements, and would like to offer the following observations and a proposal.
While walking through the halls of Jasper High School during passing one encounters an outrageous sight. The girls wear skirts and shorts equivalent in length to their undergarments, and shirts that fail to cover much of their upper body. The boys flaunt trousers low enough that with the slightest tug they would fall to the ground. These modern styles of Jasper High School adolescents fall short of the dress code; no matter how much curling of the fingers or securing of the pants with the knees. Despite the schools countless efforts to enforce the appropriate dress code students continue to come to school dressed in raiment that leaves their genitalia barely covered.
As a member of the adolescent majority and third party witness to many lengthy and unnecessary disputes; I believe I know exactly the frustration you're feeling as you try to address this situation. In my experience, the most effective method to deal with situations like this is to remove the source of conflict. In your case, the point of conflict is clothing. Therefore, I propose that instead of the staff of Jasper High School spending valuable time and effort enforcing a dress code, simply remove the dressing aspect entirely. Students will no longer have to come up with clever ways to attempt to fool the staff about the length of their garments, and the staff will no longer have to harass the students about their disgraceful outfits. Along with the student-administration conflict being eliminated, there are many other advantages to students coming to school in the nude.
First of all, parents will no longer spend hard earned time and money on...
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Dear Liberal Media,
Last week three of your networks trotted out President Reagan's liberal bastard son in order to insult Republicans. His (Ron Reagan's) exact words were: "Republican voters would vote in Vladimir Putin over a Democrat".
I must admit, that got me to thinking. Putin is a despot and a murderer. He is repugnant. His actions go against everything I believe in.
Alas, sadly I guess I got to go with Putin over Elizabeth "Pochahantas" Warren, or Bernie Sanders, or, god forbid, Hillary Clinton, or a dozen other Democratic Presidential hopefuls. Democrats want to spend us into bankruptcy, they want open borders and the destruction of ICE and to give amnesty to 30 million illegals. Democrats attack religion, embrace immigration for radical Muslims, kiss Black urban ass as never before, wish to close our prisons and open abortion clinics on every street corner.
So, yeah, I guess I gotta go for Putin if that's my only "non-Democrat" choice.
Ain't that sad?
Hey, liberal media! Lots of us don't particularly care for Trump. Lots of us wish we had President Reagan, or Dwight Eisenhower, or old Abe Lincoln back, but we don't. So Trump's our best choice for now. And, while we don't like his porn star affairs, and we're not crazy about his business dealings, and we know he's inarticulate. But, guess what? He's still a better choice than any Democrat out there!
Oh, by the way, we Republicans like you media people even less. And don't make us choose between a Democrat and Putin....you might not like the results.


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Using A Bike Rack
One of the ways to carry a bike from one place to another is by using a bike rack. When taking a vacation, one can decide to carry their bike with them, and this is possible using a bike rack. When going for a scenic trail, one can use a bike rack and ride on the scenic trails. When one is driving from one area to another, they can ensure that their bike will remain safe when they use a bike rack. One can get a bike rack that can carry three bikes if the number of people using bikes is many on a vacation trip.
Buyers can choose different kinds of bike racks such as roof bike racks, truck bike racks, and hitch bike racks. When using a hitch bike rack, one will not have to worry about overhead clearance when they go to some places. One is not required to raise a heavy bike to the roof of the vehicle when they use a hitch bike rack. When one is comparing hitch bike racks, one should choose the one that will ensure that bikes are tied down securely. If one does not have a bike with an unusual frame, they can easily use a hitch bike rack for their bikes.
One does not need to remove the front wheels of a bike when they're using a hitch bike rack. Steel is a long-lasting material when it is used to make hitch bike racks, and one should select such a material. People who use hitch bike racks can get obstructed rear, and one should have this information before they purchase a rack. A warranty is useful when one purchases a bike rack, and they should check if they can get this when they are buying bike racks.
A bike rack which has many benefits than advantages can help one determine whether they will purchase that bike rack. Another kind of bike rack that one can choose is a truck bed bike rack. People who are looking for inexpensive racks should consider this kind of bike racks. When a person is loading and unloading a bike, they can use this kind of bike rack because the process is easy.
Removal of the bike rack from the truck is also easy if one is no longer using the bike rack. Truck owners can use truck racks when they need to support their bikes because these are convenient for them. When choosing a bike rack, one should select one that will be able to meet their needs. People who want to purchase bike racks should select those that are affordable for them.
The 10 Best Resources For Racks


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This book of teaching has been specially compiled for people who are unwell, who fear illness, or who are caring for the sick. White Eagle says that, hard though illness is, from a spiritual point of view it is a manifestation of growth, even of initiation. There is thus comfort to be found, always. The joy of the White Eagle teaching is that while White Eagle shows that sickness is used for the growth of the soul, he also reaches out in loving empathy to bring comfort and hope to the sufferer. When death comes as the ultimate healer, White Eagle is also there to help. There are gems for all in this inspiring book.
80 pp hardback
154 x 112 mm
Review by Lesley Tarrant Belcourt
This purse-sized book of the White Eagle wisdom has been specifically compiled to bring support to the sick and those caring for them, and to reassure them "beyond a shadow of a doubt, that all is well."
'White Eagle's Little Book of Healing Comfort' holds twelve chapters, each enfolded in a reassuring title, such as 'Enfolded in Love'; 'Peace Be In Your Heart'; 'Courage! Keep Steadily On'; 'Never Lose Hope'; and 'Healing Is In Nature'. Each chapter reveals six or seven short relevant passages of White Eagle's words of advice and comfort that touch the reader's heart. The most important lesson I have learned over the years is found in White Eagle's important advice of learning to let go. It is never easy to watch those close to us suffer, but we need to understand that God has a greater plan than the immediate one we see:
Take a few moments each day to sit quietly and read a page from White Eagle's Little Book of Healing Comfort and "you will learn to accept what is given to you" and know that "the angels are ever ready to come to your aid." While suffering crises and stress we tend to forget those simple truths, so White Eagle's words help to set us back onto the path of wholeness. We grow to understand that while sickness brings growth to the soul, the sufferer is never left alone.
'Healing Comfort's last chapter is entitled 'Death: Release Into The Light' and offers hope for those who are making their transition into the world of light: "When the time comes to arise out of mortal life, hold this one supreme thought, 'Thou art in me and I cannot die, I go forth into a freer and grander life'. For those who are losing the physical presence of a loved one, White Eagle reminds us: "Your dear one is with you now in form, as close as ever. You can never be separated from those you love."
What a lovely Christmas gift 'White Eagle's Little Book of Healing Comfort' will make for that dear friend or neighbour who needs consolation, support and help in moving their thoughts away from the winter of physical cares and material anxieties to that spring resurrection of love and peace. For those moments when you cannot find the right words to say, White Eagle says them for you.


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What's keeping markets and investors awake?
Weak economic signals, market nerves, and a property warning shot.
Robert Gottliebsen
What's keeping markets and investors awake?
|Summary: With positive economic signs few and far between, it's no wonder investors are feeling nervous and regulators are frustrated. In Australia, there's also a property market overhang. Does London have some answers?
|Key take-out: American investors waiting for Donald Trump to make America great again are not holding their breath. Australian investors can only wait too, and see what's in store for property turnover.
During the week I received a note from a friend in New York, which helped explain why the American market is so jittery.
The polarisation of investors into two camps is getting worse. My friend is in the "it is going to get tougher" camp – if he is right, then Wall Street will fall later in the year.
He says that the two main stays of recent domestic growth in the US are fading. The demand for and production of motor vehicles has crested and now appear to be on the decline. The same is beginning to occur in oil and shale-related investments as the oil price either falls or steadies at current low levels. Both oil and motor vehicles have excessive stock.
While it is true that American consumers and business fixed investment is continuing to advance, the gains involved in these sectors are small compared to the uplift that was filled by the automotive and oil sectors.
On the government side, spending on goods and services has been flat and the health care legislation will actually take money out of the community. My friend doesn't believe that the Trump tax proposal, when it finally emerges, will gain Congressional approval.
In that context, in theoretical economics, Janet Yellen at the Federal Reserve Bank should be lowering rates. But, in fact if my friend is right, it is probably better to increase the rates now so that there is room to reduce them should it be necessary. And at current US rates of interest rates, what Yellen does has almost no effect on the US economy. Although unemployment is low, wages are subdued because of the lack of collective bargaining.
On the other side of this debate, those who believe Trump will still "make America great" were buoyed by the Republican win in Georgia. As they see it, if the media's "fake news" was having an impact, then the Democrats would have won Georgia easily. They believe that the Georgia win will give Trump and the Republicans the opportunity to press ahead with their tax deductions, incentives for American industry, and the attraction of American funds held overseas to return home.
Every week that goes by, and there is no action, makes the markets more nervous. And they start to focus on the sentiments that my friend emailed me.
A growing sense of frustration
And there are still vast amounts of money pouring into US Treasuries, because people believe it is the safest place to go. Our market depends to a large extent on Wall Street, so we have a very direct interest in what is happening.
Indeed, you can sense the frustration in the central banking community in both Australia and the US. Our Reserve Bank governor is urging companies to invest and workers to ask for more money, but there is a deep caution. And that caution includes workers who do not want to jeopardise their job by pushing for higher wages. Only the public servants feel safe to do this.
And, in part, this reluctance to push for higher wages is related to the technology industry which is lowering operating costs and threatening jobs. This means, unless there is some major interruption, inflation looks like being subdued and that keeps the lid on interest rates.
And, of course, it also is one of the main factors maintaining the prices of houses in countries like Australia. There is great speculation in the real estate market that maybe we are headed for a collapse in house prices. I think the various banking mechanisms, including higher interest rates for investors and much higher-quality lending standards by banks, will curb the amount of money available for the housing market, and in turn that will cool prices in many areas.
But unless there is some major local or global economic catastrophe, I don't think it is going to cause a collapse.
A property call via London
But it is fascinating what has taken place in the UK. Like Australia, London has had a strong housing market which has priced first-home buyers out of the market. And to curb over enthusiasm, there are stamp duties and other taxes imposed on properties. It has not collapsed prices, but what it has substantially reduced the number of dwellings on the market. The number of home sales in England and Wales has slowed substantially. Overall sales are down by about 30 per cent from the peak.
In the last year, London turnover fell 18 per cent and there were even bigger falls in some areas. What vendors are doing is not slashing their price but waiting for a buyer. The rise in investment dwellings that has taken place in London (and which has also happened here) has meant that people are staying with their investment dwelling rather than selling them because they want to shift. That is also contributing to a lower turnover. I can recall similar periods in Australia when, if you wanted to sell quickly, you had to sacrifice your price. But if you were prepared to wait, and you had a good property, you would achieve the valuation.
We still have a very liquid market in Sydney and Melbourne, but London is a warning that may change. Of course, if it does, life becomes very tough for real estate agents, insurance companies, conveyancing groups, state governments and all those who have benefited from the high turnover, higher-price environment that has dominated domestic real estate for many years.
And a message for defined benefits pensioners
And finally, a number of Eureka Report readers may be the recipient of defined benefit private pensions. Under these arrangements, which were set up when there were reasonable benefit limits in superannuation, the actuary looks at the pool of money that is in a superannuation fund and stipulates the required pension.
The Tax Office is writing to those who have such funds (and they are not widespread) telling them that from 2017-18 they can only have $1.6 million per person backing their defined benefit pensions. That means the pensions may fall sharply if there are funds supporting pensions above $1.6 million.
However, others are in the fortunate position where the amounts over $1.6 million can be transferred to accumulation or paid out as lump sums. Many will be very happy to get their hands on the money that has been tied up. Those in accumulation phase will pay 15 per cent tax, but they will not be forced to distribute.
They will control their distributions because they will not be defined. That can be an advantage to a lot of people, because they can now save in the 15 per cent tax shield of superannuation and not be forced to pay out high pensions.
Investment markets and key developments over the past week
- Global shares mostly rose over the last week, despite falls in energy shares, as economic data was good and there was good news for Trump's pro-growth agenda in the US. However, Australian shares fell thanks to a combination of falling oil prices hitting resource stocks, "fear of Amazon" weighing again on retailers and worries (mistaken in my view, given it will take so long) that China's inclusion in MSCI share benchmarks will see funds flow out of Australian shares. Bond yields were flat to down, the plunge in the oil price continued and this along with a slightly stronger $US weighed on the $A.
- Oil price plunges, inflation still MIA, interest rates to remain low, good news for Australian consumers. The oil price has been trending down since February amid concerns that rising non-OPEC production will offset OPEC production cuts. This hit the headlines over the last week as the decline pushed beyond 20 per cent. While oil is oversold and sentiment towards oil is so negative it's positive pointing to a bounce it's hard to get particularly excited. Particularly with steadily rising shale production in the US putting a cap on price upside. More broadly the weak oil price highlights the broader lack of inflationary pressure globally which will keep interest rates low. However, low oil prices mean low petrol prices and this is positive for consumers. In Australia, if current oil prices are sustained the retail price of petrol could fall towards $1.10 a litre. This implies a saving for the average family's weekly petrol bill of around $6 compared to January.
- Which is good news given the self-inflicted wound flowing from higher electricity prices in Australia. And if oil prices stay low or fall further it will mean lower gas export prices which could take pressure off the domestic gas market. One can only hope!
- The inclusion of Chinese mainland (or A) shares in MSCI's share benchmarks is another sign of the opening up of the Chinese share market and its integration globally, but it has a long way to go. The inclusion only relates to large cap shares accessible by foreigners via the Hong Kong share connection. Initially the weight of Chinese shares in the MSCI emerging market index will be just 0.7 per cent whereas right now the Chinese share market is 9 per cent of total global share market capitalisation and it won't start phasing in to May next year. Full inclusion may take 5-10 years. And the initial index related flows into the Chinese share market flowing from the move are likely to be less than half typical daily turnover in the Chinese share market. So don't expected a huge short term impact. However, the impact on Chinese shares will grow over time as the exposure in the MSCI indexes is likely to rise. And it's another sign that China is now becoming an integral part of the global financial system. Over time the increasing participation of foreign institutional investors will help promote the rights of Chinese shareholders and help enhance the liquidity and reduce the speculative tendencies in the Chinese share market.
Major global economic events and implications
- While the noise around President Trump continues to swirl, the past week confirmed that his policy agenda remains on track with the Senate having released its draft Obamacare reform bill and close to a vote on it, Treasury Secretary Mnuchin and House Speaker Ryan confirming tax reform remains a top priority, a draft executive order on the health industry focussing easing in regulations and Republican election victories providing impetus to Trump's agenda. Meanwhile, existing home sales, home prices and the leading index rose and jobless claims remain ultra weak. Major US banks also passed the first stage of the Fed's latest bank stress tests, as would be expected in this environment.
- Eurozone consumer confidence rose to its highest in 16 months and French business confidence rose to a 6 year high.
Australian economic events and implications
- ABS home price data confirmed continued strength in the March quarter but a lot has happened since then with bank rate hikes for investors and interest only borrowers, tighter lending standards and evidence the Sydney and Melbourne property markets have started to cool. Skilled vacancies remained strong in May pointing to continued solid jobs growth for now.
- More bank mortgage rate hikes, but cuts for owner occupiers paying principle and interest. The drip feed of bank rate hikes has continued but it's worth putting this in perspective. Reflecting regulatory pressure and banks managing their risks the rate hikes have been for investors and more recently for interest only (IO) borrowers. See the chart below. In the last week banks have been cutting their variable rates for owner occupiers on principle and interest (P&I) loans. (Note that the chart below relates to standard variable rates, discounted rate are around 0.75 per cent lower.) While the hike in investor and interest only rates (of around 0.3 per cent for investor P&I loans, 0.75 per cent for investor IO loans and 0.5 per cent for owner occupier IO loans since November) are a dampener they are modest compared to past rate hiking cycles, investors can get up to half of it back from the tax man and nearly 80 per cent of owner occupiers are interest only and they have seen a cut. The main uncertainty relates to the impact on interest only owner occupiers – but, of course, if there is a problem there in terms of repayments as they move across to P&I that threatens overall economy growth, the RBA can simply offset the increase in mortgage costs by cutting the cash rate again (and yes – for owner occupiers it's likely the banks would pass it on).
- News that South Australia will add to the Federal Government's bank levy adds to concerns that a Pandora's box has been opened in Australia. It's understandable that businesses will fear that if they are in an industry that does well and is unpopular they will be hit with a higher tax rate. Good tax policy seeks to minimise distortions with a single tax rate across all industries and we seem to be moving away from that.
Next Week
Craig James, CommSec
The 2016-17 financial year draws to a close
The financial year is drawing to a close, but there are no 'first tier' indicators to either close out the year or usher in the new financial year. In the coming week, most interest will be on the latest demographic information.
- In Australia, the week kicks off on Tuesday when the Australian Bureau of Statistics (ABS) releases the first data from the 2016 Census. Across Australia housing conditions are decidedly mixed. So the latest figures will throw new light on the true state of underlying demand for homes. At the same time the ABS will release the December quarter population figures – figures that you would expect would be newly calibrated with the latest Census data.
- The NSW, Victorian and ACT economies are leading the way at present because population growth in each economy is either near or above the decade-average – lifting the demand for homes as well as economic and social infrastructure.
- On Tuesday, ANZ and Roy Morgan publish the usual weekly consumer confidence figures. Lower petrol prices may have lifted spirits in the past week. Consumer confidence is merely OK at present.
- On Thursday, the ABS releases the quarterly job vacancies data – a key leading indicator of the job market. And just like the monthly job advertisements data, the job vacancies figures have for some time signalled an improvement in labour market conditions. It is clear that these positive signals are now being reflected in the official data on employment and hours worked.
- Also released on Thursday is the "Finance and Wealth" publication from the ABS. The data includes estimates of household debt and financial wealth as well as statistics such as foreign ownership of shares and bonds and cash holdings of superannuation funds. Wealth in Australia is at record highs.
- And also on Thursday the Housing Industry Association releases the latest data on new home sales. If the data shows that more homes are being sold, then this could reinvigorate the early stage of the housing pipeline such as new applications to build homes.
- On Friday the Reserve Bank releases the Financial Aggregates publication, a publication that includes data on private sector credit (effectively, data on outstanding loans across the economy).
Overseas: The 2017 year is almost half over
While in Australia the focus in the coming week is on how the 2017-18 year has finished, overseas the key interest is on reviewing the performance of the first half of the 2017 calendar year.
- The week begins on Monday in the US with May data on new orders for durable goods – goods like cars and computers that have a 'shelf' life' greater than three years. Economists tip a 0.5 per cent fall in orders after the 0.8 per cent fall in April orders.
- In the US on Tuesday the CaseShiller measure of home prices is released with consumer confidence data. The usual weekly data on chain store sales is also released. The influential Richmond Federal Reserve survey is also released on Tuesday with service sector gauges for the Texas economy.
- In the US on Wednesday the usual weekly data on mortgage applications is released together with advance data on international trade and inventories in the retail and wholesale sales sectors. In addition the pending home sales index is released.
- On Thursday in the US the final estimate of economic growth for the March quarter is issued. Annual growth is artificially low at 1.2 per cent with the underlying rate of growth closer to 2 per cent.
- And on Friday in the US, the May data on personal income and spending is released with the main interest centred on the Federal Reserve's preferred measure of inflation. The final estimate of consumer sentiment for June is also issued together with the influential Chicago purchasing managers index.
- In China on Friday the National Bureau of Statistics will release purchasing manager survey results for manufacturing and services sectors.
- Over the week, it is also worth noting that the San Francisco Federal Reserve President John Williams will be in Australia delivering a range of speeches.
Financial markets
It may come as a surprise, but the Australian sharemarket is set to post its strongest financial year performance in three years. Total returns on shares – as measured by the All Ordinaries Accumulation index – have lifted by 11.7 per cent so far in 2016-17 after 2 per cent growth in 2015-16 and 5.7 per cent growth in 2014-15. The ASX 200 index has lifted 8.3 per cent with the All Ordinaries up 7.4 per cent.
While the Aussie sharemarket has lifted over the past financial year, other markets have done far better. The US Dow Jones index has lifted by 19 per cent in 2016-17 while the UK has gained almost 15 per cent and the Japanese Nikkei has risen by around 29 per cent. The Australian sharemarket ranks 55th of 73 bourses over the past year. Greece has been notable amongst the gainers, up 53 per cent.
Commodity prices have been decidedly mixed over 2016-17. The CRB futures index has fallen 13 per cent over the year with oil down 12 per cent, gold down 6 per cent and sugar down 36 per cent. But iron ore prices have lifted 2 per cent, thermal coal has rise by 42 per cent and base metal prices have generally firmed over the period with lead, zinc and copper up between 18-25 per cent.
The Aussie dollar is on course for its least volatile year against the US dollar in 27 years. The range has been just US6.25 cents (from US71.52c to US77.77c). Over the financial year the Aussie has lifted 1.8 per cent, making it just one of 45 currencies to lift against the greenback.
In terms of the official cash rate, there was only one change – the quarter per cent cut in the cash rate in August. The 1.5 per cent cash rate is the lowest since records began in 1959.
Longer-term rates have been more volatile over 2016-17. Ten-year bond yields fell to as low as 1.85 per cent in August but rose as high as 2.99 per cent in March before settling near 2.40 per cent in the past month.
Craig James is chief economist at CommSec.
Readings & Viewings
Is Qantas the world's best airline? The winner starts with a Q, but there's no flying kangaroo. Sadly, our national carrier doesn't even make the top 10.
And American Airlines is pushing back on an investment play from Qatar.
Why a hard Brexit could crush Britain's strawberry fields forever.
Meanwhile, the biggest US banks have cleared their first hurdle in the Fed's stress tests, but one is lagging on a key measure of leverage.
Warren Buffett's $US400 million Canadian bet.
Two days after the announcement of Amazon's bid for Whole Foods, the market capitalisation for both companies increased by $14.7 billion.
Amazon will start selling Nike shoes directly for the first time.
Alibaba taps user data to drive major growth spurt.
Harley-Davidson could be looking to buy Ducati.
Here's a personal lesson learned from Uber, from a company insider.
And this company has no air bag protection, at least on a financial level.
But we may not need them in the future anyway. Here's Musk's supersonic public transport plan.
Gold mining is going hi-tech. Here's how Barrick, the biggest gold producer, is joining forces tech giant Cisco as part of a "digital reinvention" of its global mining operations.
Here is a clean coal plant that may not burn coal.
Lastly, emojis for zombies, T-Rex and Colbert are almost here.


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3. July 2012 - 1:00(Photo: Chi King/Neo/clipart.com)
Criticism of Hungary media law flares up
Only days after the Hungarian parliament formally approved a controversial new media law, renewed criticism of the law was sparked by a fine imposed on a radio station for poking fun at animals.
Music station Neo FM, in an edition of its satirical show "Boomerang" made some jokes about species which are in danger of disappearing. The Media council fined the station 800 euros following a complaint from an animal rights activist.
The Media Council members are appointed by the Budapest parliament and serve a nine-year term. All members of the council, which is seen as powerful, are said to be associates of Prime Minister Viktor Orban's Fidesz party. Last month the Fidesz-dominated parliament approved a controversial new media law. The OSCE has said that the law, despite some changes, was still too unspecific about the criteria for licensing broadcasters.
Pandas do nothing
The presenters at Neo FM had said that, for example, it would not matter to anybody if pandas became extinct, "because they do nothing else all day but sit on their behinds and eat". Turtles, too, came in for some sarcastic comments. "They have lived long enough anyway."
In response to the complaint, the Media Council judged that with their behavior, the station's presenters had "given a bad example to children".
The political Velemenyvezer blog, which revealed the affair on Thursday, said that it confirmed "our worst fears", as the law apparently permits the Media Council to "remodel the Hungarian media landscape after its own image". The blog criticised the unbalanced make-up of the council.


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There's a dreamy photo of Laxmi Kaul standing in waist-high river water. The early evening sun casts a soft glow on her face and she's looking contemplatively into the camera, arm wrapped around a pole. What the picture doesn't show is that she is gripping it in distress. Kaul is deathly afraid of water and had the photo taken to make a point to women everywhere: Face down your fears.
"If I can do it, anyone can," says the 40-year-old mother of two.
If the camera had zoomed out, viewers would have seen that there's more to the story than beating a phobia. It was 2013, and Kaul was alone in the city of Allahabad to document the religious festival Kumbh Mela. She was surrounded by men in trances; naked, white-powdered men with their bits dangling out; men with swords up their privates. And snakes – there were plenty of snakes slithering around the necks of devotees wanting to emulate Lord Shiva. All this the self-taught photographer took in her stride, save for the night she feared for her life. The crowd was consumed by spiritual frenzy, with tripped-out men surrendering to chaotic abandon. Yet she stayed, and got her shot.
You can say that Kaul's spunk is her access card. There's the time she snapped a portrait of the Dalai Lama after a security guard mistook her for a journalist. She was queuing with other members of the press in a flak jacket, three cameras hanging off her small frame. "It works, shut up," Kaul recalls telling herself. Sometimes you have to seize the opportunity.
Then there's the time when she, frustrated at being stuck behind a military convoy on a winding road from Ladakh to Srinagar, left the car to walk. She ran into nomads and the serendipitous encounter led to a two-year project documenting life in the villages bordering Kashmir.
"Kashmir has always been labelled as this violent, scary area," Kaul says. "But the people are so warm and welcoming. There's not one house I went into that did not off er me food, tea, a night's stay – because it was not safe to be out alone. The military could come out of anywhere. How can you not fall in love with them?"
Although she's been shooting professionally for 12 years, the Kashmir images formed her first exhibition, Beyond Boundaries, in 2016. All 31 photos were sold. She exhibited again last October as part of the Celebration of Photography showcase at Ion Art Gallery. The subject was the Holi festival of colours.
The magical and colourful festival of Holi when people get together and sing praises to Lord Krishna. The festival also celebrates spring, fun and love.


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Daikai's Maki-e Pen
AGJ Original Maki-e Fountain Pen #09 "Shuiro Zakura" Sailor King of Pen Ebonite Sparkling Togidashi Taka Maki-e Kyoto Japan
Item Description
AGJ Original Maki-e Fountain Pen #09 "Shuiro Zakura" Sailor King of Pen Ebonite Sparkling Togidashi Taka Maki-e Kyoto Japan
Our Selling Price
(tax excl.)
This Original Maki-e Fountain pen is made by famous Kyoto Maki-e Artisan "Daikai".
This pen is only one in the world. You could not find it anywhere.
Kyoto Maki-e is the best known Maki-e technique in Japan.
This is original maki-e fountain pen based on Sailor's fountain pen, Profit Marble Ebonite
Name: Shuiro Zakura (Vermilion Cherry Blossom) #9 (Sailor King of Pen Original)
Maki-e Artisan: DAIKAI
Technique: Togidashi-Taka Maki-e
Origin: Kyoto, Japan
Nib: Bicolor 21K Gold
Nib size: Medium
Size: 20mm(Dia.) x 153.5mm
Shipping: FREE SHIPPING!
Custom engraving service on AGJ's original Maki-e fountain pens is available for those who wish.
1. The lead time: it takes 10-14 days on top (orders without this service will be usually dispatched in 3-5 days after confirming the payment).
2. The cost: US$100.00.
3. The letters of the name engraved will be engraved in gold just as the signature of the Makie artisans of Original fountain pens.
4. Please send us the sample letters which you wish to engrave on the pen (there could be a case where we are unable to engrave the letters of your choice after consulting with the Makie artisans. Letters can be in Japanese Kanji, Katakana and Hiragana but if you choose Kanji, we will use phonetic symbols).
5. Please indicate the exact position where you wish to have your name engraved (please understand that there could be a case where we may have to change the position of engraving after consulting with the Makie artisans).
*Please contact us should you have any queries regarding custom engraving service.
Coat a vermilion lacquer on the cap and barrel.
Then, each design is painted by Maki-e technique.
Gold petal + bud:
Swell the silver powder as a base.
Harden it with white lacquer.
Scrape the surface.
Swell it by white lacquer.
Dry it, and sprinkle #5 gold powder (There are #1 to #12 gold powders, the higher the number, the powder is rougher.).
Pistil of the gold flower
Painted with #1 gold powder.
Vermilion leaf:
#8 gold powder and vermilion lacquer are sprinkled, and then scraped after dried.
Vermilion Petal:
Painted with vermilion lacquer.
[DAIKAI's Career]
Urushi Lacquer Master : Daikai Uehara's Career
Year 1950 Born in Kyoto
His father, uncle, grand father and grand-grand father were Urushi Lacquer masters too.
1969 Another Urushi artist" Masakichi Shima" started teaching Daikai.
1976 Daikai began succeeding to inherit the style of Kyo makie(Maki-e).
1985 Won the Kyoto Chamber of Commerce Award at Kyoto Lacquerware exhibition.
1986 Held Urushi Lacquer exhibition at Kyoto Takashimaya(the largest department store in Japan).
1990 Exhibited at the Arts and Crafts in kyoto.
1991 Became a technical lecturer for the artists at the traditional industry at Kyoto.
1994 Opened his Kyoto Urushi lacquer school.
1995 Invited to display his works at INFA 1995 in Hannover, Germany.
1997 Won the award at the industrial techniques for the crafts in Kyoto.
1999 Held the first Kyoto Urushi lacquer school's exhibition at Ko-dai temple, Kyoto.
2001 He has held the traditional crafts exhibition every year since 1999.
2008 Held Amber Maki-e and Lacquer works exhibition at Sogo department store.
2009 Held Kyoto Urushi Lacquer exhibition at Takashimaya in Namba, Osaka.
He lives in Kyoto now and teaches many Maki-e artisans Kyoto-Makie technique.


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Invokana Lawsuit
The drug Invokana, approved by the FDA in March 2012, is classified as an SGLT2 inhibitor, which works by reducing blood sugar levels in Type 2 diabetes patients. Invokana has been linked to Gangrene of the genitals, Genital Amputations, and a number of serious kidney problems, including kidney damage and ketoacidosis, a serious buildup of acids in the blood that can be life threatening if left untreated. Current Invokana lawsuits being filed claim the manufacturers failed to warn patients and physicians of the increased risks of kidney failure, ketoacidosis, and leg and foot amputations.
The FDA released this warning August 29, 2018:
The U.S. Food and Drug Administration (FDA) is warning that cases of a rare but serious infection of the genitals and area around the genitals have been reported with the class of type 2 diabetes medicines called sodium-glucose cotransporter-2 (SGLT2) inhibitors. This serious rare infection, called necrotizing fasciitis of the perineum, is also referred to as Fournier's gangrene. We are requiring a new warning about this risk to be added to the prescribing information of all SGLT2 inhibitors and to the patient Medication Guide.
Those medications include Invokana, Invokamet, Farxiga, and Jardiance. The Dugan law Firm is accepting clients who took Invokana and suffered injuries.
Diabetes Type 2 Medications
- Invokana (canagliflozin)
- Invokamet (canagliflozin/metformin)
- Jardiance (empagliflozin)
- Xigduo XR (dapagliflozin/metformin)
- Farxiga (dapagliflozin)
- Glyxambi (empagliflozin/linagliptin)
FDA Warning for Type 2 Diabetes Meds Invokana, Invokamet
FDA reviewed 20 adverse event reports from people seriously injured or hospitalized after taking type 2 diabetes drugs that included Invokana and Invokamet. These drugs belong to a class of medications known as sodium-glucose cotransporter-2 (SGLT2) inhibitors. They were approved by FDA to lower blood sugar levels in adults suffering from type 2 diabetes. The FDA announcement warned patients to seek immediate medical help for symptoms of ketoacidosis.
Symptoms include several potentially serious health issues:
- Difficulty breathing
- Nausea
- Vomiting
- Abdominal pain
- Confusion Unusual fatigue or sleepiness
What is Invokana?
- A prescription drug made by Janssen Pharmaceuticals, a division of Johnson & Johnson.
- A drug meant to lower blood sugar in type 2 diabetic adults
- Not for people with type 1 diabetes
- Not for those with diabetic ketoacidosis (increased ketones)
- Not proven safe and effective for children under 18.
Invokana hit the market in May 2013, with a heavy and successful marketing campaign. Johnson & Johnson reported 2014 sales of Invokana totaling $569 million. Sales for 2015 total $266 million as of June 2015. Those are heavy sales for any drug, much less one as new as Invokana. Thousands of claims have been filed against Johnson & Johnson and Janssen Pharmaceuticals by individuals who have suffered injuries as a result of taking Invokana. The lawsuits are presently combined before a federal judge in New Jersey, where all of the national discovery and evidence gathering is taking place. Invokana has been linked to kidney damage, ketoacidosis and amputations.
Side Effects
The most serious potential side effects and risks caused by Invokana include:
- Gangrene of the genitals
- Kidney Damage
- Ketoacidosis
- Amputations
- Heart Attack


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The US Department of Defense has awarded contracts worth $976m to American companies SLSCO and Barnard Construction for the development of a border wall in New Mexico and Arizona, an election promise made by President Donald Trump during his 2016 US Presidential Election.
The Galveson, Texas-based SLSCO's contract is valued at $789m, and will see the company carrying out border replacement wall construction work.
Nine bids were solicited and six received for the Santa Teresa, New Mexico project, which is due to complete in October 2020.
The US Army Corps of Engineers Albuquerque, New Mexico, is the contracting authority, the Pentagon said.
Meanwhile, Bozeman, Montana-headquartered Barnard Construction's fixed-price deal is valued at $187m.
As part of its contract, Barnard will deliver design-bid-build works for a primary pedestrian wall replacement project in Yuma, Arizona.
Four bids were solicited and three received for the development, due to complete in September 2020. The US Army Corps of Engineers, Los Angeles, California is contracting the job.
News of the contract awards comes after the American Energy Department was reported to have granted permission for local companies to work on six nuclear energy projects in Saudi Arabia, and two in Jordan, earlier this year.
According to a Reuters report this March, the US's Energy Secretary, Rick Perry, said the six approved applications covered the delivery of "initial nuclear work" in Saudi Arabia.


text: Ad of the Day Lyft Gives Year-End Love to Its Drivers Who've Truly Changed People's Lives What a way to say thanksBy Angela Natividad|December 26, 2017 Share By Angela Natividad|December 26, 2017 Share There's a lot to be said about whether the so-called "sharing economy" actually makes people's lives better or worse. Maybe it's both. But it's compelling, even magical, that everyday people can just pick up a gig that puts them in contact with so many others. What meaningful things happen in those exchanges?For the holidays, pickup service Lyft worked with production company Strike Anywhere to give two drivers a special shout-out. The films, which follow out-of-home ads earlier this month also thanking drivers, give us the chance to meet, and become invested in, a pair of faces behind the wheel before the company rewards them with a surprise gift."Thank you, Lamont" introduces us to a Seattle-based driver who's given over 23,000 rides. He's the sort of chauffeur who's probably always in a good mood and down to chat, who's learned to say "a pleasure to meet you" in several languages, and who, when asked what his favorite place is, replies that it's "the world."It turns out hundreds of people have written to Lyft about Lamont. So, in exchange, Lyft gives him something special. "Thank you, Paloma" has a different feel, and features a woman from Las Vegas. She loves art, and dreams of sharing that love with her children—a few of whom are autistic and highly visual—in Paris someday.In a surprising turn, we discover she was among the drivers who drove toward the mass shooting on the Strip in October, and rescued a couple—one of whom, the husband Billy, had been shot in the back—before returning to help more people.It's Billy, who survived because of her efforts, who gives Paloma her gift. Maybe you can guess what it is. The "Thank You" videos were created by Strike Anywhere with direction from Joshua Z. Weinstein. They were shot over two days in each location.CREDITSClients: Lyft Director of Creative Production – Topher Lorette Associate Creative Director, Copy Writer – Brian Button Associate Creative Director, Art Director – Morten Halvarsen Senior Creative Producer – Alex Doty Operations manager, Pacific Northwest – Stephanie Cook Production: Production Company: Strike Anywhere Director/DP – Joshua Z Weinstein Executive Producer – Cori Cooperider Line Producer – Maya OwingsEditorial: Editor – Matt O'Donnell Post Producer – Maya OwingsFinishing: Color – Ayumi Ashley, MFD Mix – Joel Raabe, MFD Conform – Matt Notaro, MFD Producers – Nick Castillo & Carissa Quiambao, MFD Share http://adweek.it/2BvaUt6 copy Angela Natividad @lucktheladyAngela Natividad is a frequent contributor to Adweek's creativity blog, AdFreak. She is also the author of Generation Creation and co-founder of Hurrah, an esports agency. She lives in Paris and when she isn't writing, she can be found picking food off your plate. Adweek Adweek


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For those who run a large fleet of radios, what could be more ideal than a fully rack-mounted two-way radio station that can house up to 128 radios – and keep track of them.
Well, you're in luck. AdvanceTec Industries of Miami, Florida have created the Enterprise 3000 rack-mount two-way radio station.
The benefit of this station is that it allows you to fully keep track of your radios by booking them in and out. And when they're in, they're charging!
For more information about the AdvanceTec Enterprise 300, email us now.