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After buying Apple during the depths of the Tech Bubble Bust in 2003 around $6.94, I recently had to sell about ten years later around $700 for a compound annual return over 10 years of 58.5%. Eat your heart out Munger, Buffett, Soros, Graham, Tudor Jones, etc., etc.
Ok, Ok, I live in fantasy. A friend recently said that he wished he had sold his Apple after buying it last year. Coulda, shoulda, woulda doesn’t advance your skills as an investor. What can we learn A Priori (before the fact) to help us as investors in finding and or managing our investments? What lessons can be gleaned from Apple’s history? In Part 2: We will begin to prepare our case study file on Apple.
Besides reading about great investors or pouring over your finance text books, you should broaden your perspective and read about industries and business founders. This reading–if done critically–will develop a more nuanced analysis of investments. I don’t know if AAPL is a buy or sell, it is in my too hard pile, but I found the two posts below from The Brooklyn Investor very informative. Do not underestimate the power of a genius. This case offers you a way to see how one investor applied his reading for greater understanding. A broad perspective of the world will help your investing. Remember that if you read the same sources, think the same way, then your returns will be at best average.
PS: Money Supply Aggregates are humming along at about a 11% clip. Bernanke is on fast cruise control.
For the third week in a row, 13-week chained money supply (M2-nonseasonally adjusted)has come in at 11.4%. We, thus, may have hit a cruising altitude as far as annualized money printing.
Here’s the climb over recent weeks.
Q: What competitive advantages does Microsoft enjoy in the operating system industry?
The only segments within the PC world with features suggesting that there are barriers to entry protecting incumbent firms from new entrants are operating systems and CPUs. In both there are a small number of competitors and stable market share. Microsoft enjoys both customer captitivy and economies of scale in the operating systems business. Customers prefer to stick with what they know, especially regarding software. Swithching costs can be prohibitive when many users have to be taught to use unfamiliar programs. Search costs also inhibit change because the buyer has to have confidence in the reliability of the new system and the survivability of its creators.
The most important advantage is economies of scale. Writing complicated software keeps expensive engineers at their terminals and benches for hundreds of thousands of work hours. On the other hand, the marginal costs of the next unit of the operating system can be low as zero, and seldom more than a few dollars, even when burned on a CD and boxed with a manual.
Network effects enhance both customer captivity and economies of scale.
Q2: Why have “box makers” not been able to establishy a competitive advqtage over other competitors? Why was the enormous growth in the market for PCs such a problem for Compaq specifically? Did it have any alternatives that might have worked out better than its chosen strategy? Did Apple?
The Compaq story is so interwined with the hsitory of the PC that it is easy to miss the more general significance. It lost its competitive advantage and the resulting high levels of profitability as the markets grew and allowed competitors to develop equivalent economies of scale. Rosen, the venture capitalist, was astute to recognize that the quality and economies of scale advantages of Compaq benefited from in the 1980s were now history, and that unless Compaq changed its business plan, it was going to be fighting against lower-cost but qualitatively equal competitors. He and his team pursued the operational efficiency in the absence of competitive advantage.
Apple confronted a grim situation. In the two market segments–microprocessors and operating systems–there were powerful competitive advantages, enjoyed by Intel and Microsoft, based on economies of scale, supplemented by captive customers and some proprietary production technologies. The other segments were highly competitive.
Apple operated, either by itself or in partnership with Motorola, in five market segments within the PC universe. Apple did not possess a competitive advantage. Tying those segments together in the name of “synergy” did not help. Also, the evolution of the industry toward separate maor players in each segment argued strongly against the existence of significant advant5ages from vertical integration. Apple held only 10% of the PC market so it had no bargaining power in alliances.
Apple should have specialized and focused on operational efficiency at least to where it could have earned its cost of capital.
http://www.scribd.com/doc/78448120/Warren-Buffett%E2%80%99s-1995-GEICO-acquisition. There is something important missing in this valuation. Can anyone point it out?
Is America’s Debt a Problem?
A generous reader shared this: Interesting comments from Charlie479 on AMZN (from VIC). Another example of an investor who thinks strategically and like a business person.
charlie479 12/20/11 11:25 PM AMZN one of the best companies I forgot to say that I chuckled thinking about the analyst making the “I want to buy Amazon at 100x earnings” pitch. I suppose that doesn’t necessarily make it mispriced but the earnings power is certainly higher than current GAAP net income. I think they could easily raise their prices by $0.63 per each $25 order (not exactly the same thing, but if Super Saver shipping was $0.63 instead of free, would that really change shopper behavior?). If they managed the business to maximize current profits like this, that $0.63 increase per $25 would double earnings. If sales grow like they did the past 12 months then suddenly the multiple isn’t looking so crazy. I’m not saying this makes AMZN one of the top half dozen stock investments in the world but the p/e might not be awful if your thesis is right.
I’ve occasionally wondered if someone could beat Amazon if they had $80 billion. I don’t think they could take over the #1 spot but I do think they could become competitive in a lot of areas. I would probably use the $80 billion to start several category-specific internet retailers, develop a large selection within that category, and drive turnover by capturing mind share as the expert in that category and as the lowest price seller, initially at losses. This is more or less the Amazon playbook, and companies like Diapers.com (before being bought), Newegg, and Blue Nile have managed to carve out niches. I bet there will be more. I think if VCs or public markets are willing to lose enough money for awhile, it isn’t that hard to replicate the warehouse network and other logistical moats.
Another reason to temper the who-needs-another-pipeline thought I posed in the previous comment is that consumers sometimes choose retailers for reasons other than price and selection. Certain bricks and mortar retailers will always have an advantage in terms of convenience (e.g. convenience stores, insightful eh?). And customers like to touch and try on certain products, like clothes, so I don’t see Amazon getting anything close to 50% share in those categories. Freshness matters, too, so it’s not clear grocery can be effectively penetrated by Amazon, and I bet that is a large portion of the Global Retail sales denominator. So, perhaps the current internet retail number at 3% is lower than what most people think, but maybe the maximum theoretical internet retail percentage is also lower than what most people think.
I think Amazon is one of the most admirable companies in the world. It has the expense advantages in rent and labor over B&M retailers that you mention, and it has cost advantages over other internet retailers as well. The massive sales volume makes the fixed cost percentages very low, and the inventory turnover in many products is so high that it can accept lower gross margins and still generate higher ROIC than competitors who charge a larger markup. The lower markup attracts more customers and generates more volume, which only reinforces the edge. It is the higher-turn/lower-markup Borsheim’s dynamic that Buffett describes.
The advantages aren’t limited to cost either. The high turnover also allows them to carry a huge number of SKUs at adequate ROIC, so they can offer customers the widest selection in many categories. For certain categories, after I browse Amazon and then Wal-Mart, I’ll come away feeling that Wal-Mart doesn’t have much of a selection. It’s hard to make Wal-Mart look narrow. Amazon is the first/last place many people shop because they know it has the widest selection and it’s likely to have that selection in stock.
Another non-price advantage is that they’re the most trusted internet retailer. I actually think those customer satisfaction ratings might be understating the difference. Their return policy and customer service is great. Even if a product is available from discountworldxyz.com at a slightly cheaper price, I’ll pay more to get it through Amazon because I know it’ll be the product I ordered, or else I’ll be able to return it. Who wants to deal with negotiating shipping costs or return policies with anyone else? I don’t think this is simply Amazon being more generous than discountworldxyz.com. They have the low-cost structure described in paragraph #1 that allows them to accept higher return costs while still generating better ROICs. I also suspect that their extensive review database reduces some of the likelihood of returns.
I think many retailers like Best Buy are at such a severe selection and cost disadvantage (even adjusting for sales tax) that their businesses are in trouble in the long-term. I even worry about beloved Costco. I no longer have no-price-comparison-needed-let’s-just-buy faith when walking down the aisles at Costco because Amazon has better prices frequently enough to make me doubt. More broadly, as someone who is cheering for the Costcos (no financial rooting interest, I just root for them because I admire them), I worry that Amazon will get to such scale one day that it’ll be a more efficient overall system for one UPS guy to drive from the Amazon warehouse and cruise through your neighborhood dropping off everything you and your neighbors need for the week. That might sound crazy but the current system of having you and all your neighbors separately drive SUVs 15-20 minutes to Costco to each walk through the aisles hand-picking and then checking out, doesn’t sound that efficient by comparison. I haven’t read anything about Bezos explicitly saying that’s his endgame but I wouldn’t be surprised if that’s in the 10 year wish list. If they end up with the cheapest and widest pipeline, there might not be much need for other pipelines.


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and nurture their ability to critically think about content in their courses. In doing so, I hope to empower and equip them with the skills and attitude that are applicable in overcoming challenges in high school, college and beyond.
skills that will carry them beyond high school and to help them unlock the power of independent learning.
but in all aspects of life. I hope to encourage curiosity, understanding, confidence, and excellence.
understand that any subject in STEM should be approached with curiosity and an understanding that it will be challenging. I hope to help my students learn that having persistence and not being afraid to ask questions will provide the best results.
tools for my students so that they can persevere through challenging courses, ideally sparking self confidence and resilience that they can carry with them into future coursework.
Cindy Palmer, M.A. established STEM Tutoring, LLC in 2014 after 20 years of personal experience working with high school and college age students in both educational and therapeutic settings. Cindy’s undergraduate education focused on the sciences (B.S. Microbiology, B.A. Biology, and a Chemistry minor). After obtaining her undergraduate training from the University of Miami, she began her career as the Freshmen Transition Coordinator in a highly at-risk school setting, a position that sparked her passion for helping students succeed both academically and emotionally.
Cindy acquired her teaching certificate, qualifying her to teach both Chemistry and Biology. After teaching for 5 years (2 years in Littleton, Colorado and 3 years in the Bellevue School District), Cindy obtained her Masters in Counseling from Seattle School of Psychology and Theology in 2004. She had a private practice as a Mental Health Counselor for adults and adolescents and began meeting with students for academic tutoring as well.
Cindy has now shifted her focus entirely to training and mentoring the tutors at STEM Tutoring. Her experience and expertise lie in the integration of teaching content and successfully navigating 1-on-1 relational settings, both essential to successful tutoring. Cindy works in developing strong tutors who are not only competent in their field of expertise, but also highly trained in how to effectively engage with students.
In 2017, Cindy moved from Bellevue to Bellingham with her husband and two daughters and now works with families in both locations. When she’s not training tutors or meeting with students, she enjoys any excuse to be outside, whether it’s to run a trail, play tennis, camp, or hike.
Chris graduated from Seattle Pacific University with a B.S. in Biochemistry in June 2018. His passion for education, health, and medical sciences have guided him to pursue a career as a physician. Next year he will attend University of Washington Medical School to pursue that goal.
Throughout his time at Seattle Pacific, Chris was immersed in chemistry, biology and applied mathematics classes. When Chris was chosen to be a mentor for students in an introductory immunology class, he discovered that he not only enjoyed helping students navigating complex scientific topics, but also aiding them in study strategies that could be applied in any area of study. Chris carried these passions into his community service as a mentor and tutor for Neighborhood House, where he works with youth from early elementary through high school in STEM based interactive learning projects.
Chris believes strongly in learning through active participation. Having been both a student and teacher, he has seen that people learn most effectively when they are engaged with problem solving and not just given the right answer. Chris strives to challenge his students and encourages them to see the practical applications of school work.
Aside from being a STEM tutor, Chris is already getting involved with health care as a medical scribe, being the hands of physicians in documenting patient visits. He is also a husband, professional photographer, amateur cook, and occasional cellist.
Valerie graduated from Seattle Pacific University in March of 2018 with a B.S. in Physiology and a minor in Chemistry. She currently works as a medical scribe and hopes to become an OB-GYN in the field of reproductive health.
At SPU, Valerie was employed by the Center for Learning as a Biology and Chemistry tutor, helping students with subjects like General Biology, General Chemistry, and Biochemistry. She was also a Learning Assistant for SPU’s BioCORE Scholars Program, which supports first generation and traditionally underrepresented students in biological and biomedical sciences. She is also proficient in math up to Calculus, with Geometry being her favorite math subject.
Outside of classes and tutoring, she also volunteered at Swedish Medical Center and Refugee Women’s Alliance (ReWA), which aligns with her interests in medicine, education, and supporting refugees. Through these experiences, Valerie discovered a passion for teaching and helping students find their “aha” moments. She believes that with some cultivation and intentional effort, students can become effective learners and master difficult concepts.
In her free time, Valerie enjoys going to the local farmer’s market, exploring different coffee shops, trying out new hiking trails, and learning how to cook various Asian recipes.
Aisling graduated from UW with a B.S. in biochemistry in June 2018. She is currently working as a medical scribe during her gap years while preparing for and applying to medical school. While she maintains an open mind regarding specialty, she knows that she wants to interact directly with patients. Connecting with people is one of her top priorities, which is one reason why she wants to become a physician.
Prior to her time at UW, she worked as a mathematics tutor at Olympic College primarily assisting with algebra and pre-calculus. Because of this, she was able to interact with a diverse range of students and found it extremely rewarding to help guide students to their “Ah-ha!” moments. She has enjoyed continuing this with her students at STEM tutoring.
In her free time, Aisling enjoys playing video games, playing piano, and cooking. She played lacrosse for 8 years, including a year on the UW women’s club team when they made it to the national championship.
Brooke is an accepted medical school applicant and recent graduate from the University of Washington Honors Program. She majored in Biochemistry as well as Communication, and minored in English. She aspires to serve local underprivileged communities as a Family Physician upon completing her medical education.
Brooke has been tutoring her peers and younger students for several years, and finds it rewarding to help others master concepts they previously found difficult or overwhelming. She has always been passionate about service, mentorship, and challenging herself to continually learn new information.
When she is not tutoring, Brooke is either volunteering at Swedish Medical Center, devouring the latest bestseller (her favorite book of all time is ‘Just Mercy’, her current favorite is ‘The Spirit Catches You and You Fall Down’), or walking with her dog, Pluto. She also enjoys cooking and playing video games.
Melvin graduated from the University of Washington in June of 2016 with a B.S. in Chemistry. He was accepted into the UW Academy which allowed his matriculation into UW at the age of 16. Melvin is currently pursuing a Master's in Education to further his career into teaching.
During his years at the UW, he was employed by the Center of Learning and Undergraduate Enrichment (or CLUE), the largest tutoring center on the UW campus, as a chemistry tutor. Even as a chemistry tutor, Melvin could oftentimes be found aiding the math tutors who were overrun with students. During his summers, he was a TA for the Robinson Center’s Summer Stretch Chemistry program, an accelerated chemistry program for high schoolers.
Melvin’s experiences as a TA and a tutor have ignited his passion for teaching and mentoring. He most enjoys inspiring his students to find fascination in the relationship between the topics taught in the classroom and the phenomena of the real world.
In his free time, Melvin enjoys swimming, playing the piano, and playing video games. He is an avid player of the game, Super Smash Bros. Melee, and plays it at a semi-competitive level.
Miranda will graduate from Woodring College of Education at Western Washington University in March of 2019. When she graduates she will be certified to teach middle school and high school level mathematics.
Miranda was born and raised in Bellingham. After taking a few years off to travel, she decided to move back to her hometown to pursue her dream of becoming a teacher. As a future educator, she is passionate about instilling a love of mathematics to all youth as well as building strong relationships with her students. She has interned at Whatcom Middle School and student taught at both Kulshan Middle School and Mt. Vernon High School. Being a Bellingham native, she is determined to make a difference in the lives of youth in the community, just as her teachers made an impact on her academic career.
When Miranda is not in school, she enjoys reading, baking and being crafty. In the summertime she enjoys being outside, hiking, camping and swimming.
Shawn will graduate from Western Washington University in June 2019 with a degree in Biology and Anthropology, as well as a minor in Psychology. He is planning on furthering his education by attending graduate school for Occupational Therapy.
Shawn was a full time volunteer teacher at St. John’s College located on the island of Ovalau, in Fiji. He taught biology and chemistry at the secondary school level, as well as courses in office technology. Working in a full classroom setting gave him the skills to work with students at every level of learning. Living on the campus at the boarding school also gave him a passion for mentoring and coaching.
When away from his studies Shawn enjoys hiking, gardening, golfing and playing basketball. Shawn uses his biology knowledge when gardening to keep his plants thriving.
Corey will graduate from Western Washington University in March of 2019 with a B.A. in Mathematics and minors in Computer Science and Chemistry. After graduating, he is planning to pursue a Master’s in Education to become a high school math teacher.
While living in Bellingham, Corey has fostered a passion for teaching and being a positive role model for others. He has been volunteering at Sehome High School Tutoring Center for the past five years and has learned a lot of strategies for helping students become independent, confident learners. Seeing students succeed and being proud of their own accomplishments is what has motivated Corey to become a teacher...especially when it comes to helping students struggling in math. To see them finally understand a concept is a rewarding feeling for everyone. From someone who has gone from being intimidated in math classes to now majoring in Mathematics, he is very understanding in students’ struggles.
While Corey isn’t tutoring, he enjoys playing music, hiking, and listening to NPR. Is he actually 25 years old or is he 75? Who knows.
Kristina graduated from WWU in June of 2018, majoring in Biology. She played collegiate volleyball for Western University all four years, being nominated for the All GNAC academic team all four years. She has coached volleyball for all ages and has led many summer camps for WWU. Additionally Kristina was selected by her coaching staff to develop and lead academic tutorials for her younger teammates, helping them learn to balance academics with a rigorous athletic schedule.
Kristina has faced many academic challenges herself and has a thorough understanding of what it means to use all the resources one has available to learn. She loves implementing plans to help move students out of academic difficulty and into a sense knowing and understanding- especially in Math and Science.
In her spare time, she enjoys running- especially on a good beach. She also enjoys just about any activity in the beautiful outdoors here in Bellingham.

industry_corpus2: Subject Education


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Objective: To assess anti-psoriatic activity of the ethanol and aqueous extract from the peels of citrus sinensis on mouse tail model. Methods: Mouse tail test using Perry scientific tail model was used for the evaluation of anti-psoriatic activity. Aqueous extract and ethanol extract of (100mg/kg) were tested in Swiss albino mice. Parameters studied in the mouse tail test were changes in epidermal thickness and percentage orthokeratotic values. Results: The extracts from the peels of citrus sinensis produced significant orthokeratosis (P<0.01) in the mouse tail test. In epidermal thickness, a significant reduction with respect to control was observed in groups treated with flucinolone acetonide and ethanolic extract. Conclusion: From the above data, the extracts of citrus sinensis showed significant orthokeratosis on mouse tail test. To our knowledge, this is the first report on the anti-psoriatic effect of peels of citrus sinensis.
Keywords: Citrus sinensis, flucinolone acetonide, orthokeratosis.

industry_corpus2: Biopharmaceuticals


text: One of the UK's largest groups of Schools are looking to recruit a new Financial Controller. The role will be to support the UK wide network of schools from the head office in London. This is perfect for an ACA/ACCA/CIPFA qualified Accountant who has experience in audit, as well as having some post qualified experience outside of audit. You must have worked in audit in order to be considered for this role.

industry_corpus2: Finance & Economics


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Viewing (very) old text messages easily?
Discussion in 'iPhone' started by Sankersizzle, May 3, 2011.
I'd also like to know this..
I honestly don't think there's a faster way.
I was in this same situation a few weeks ago! I wanted to see old texts from my girlfriend (we've been dating 6 months). There's an application for Mac that will download the text logs from your phone and give you a window of then all so you can go to the beginning. I think it's called phoneview. the trial version only let's you see a certain amount of texts so you need the full version to see the first ones. I'm also not sure if you have to be jailbroken or not.. sorry, I'm not home right now!
can't you just screen shot it and then save the jpegs?
phoneview in the mac appstore.. works wonders.
I think you can export the SMS.db file with iBackupbot and view all the messages as text file. I tried that before and it worked.
Op, you remind me of me.
You're not alone, OP. I also do the same ....I've kept text messages from certain people and hate hitting that load old messages button haha...takes forever to go back a year + !!!
Try having conversations that go back to the 2G through my current 5... OP, it's not weird, but you need to get something to export the messages, iPhoneView or something similar.
If you are sooo into a relationship where you are reading 6 month old text conversations regularly then you are obvously way more into her than she is into you. In other words.... you are batting out of your league.
However, be warned, you are flirting with a fine line of obsessiveness and if she catches wind that you are not in her league this relationship will be over quick.
Tip - be more even keil. Dont obsess. Dont be "too cool" and delete old convos. Just be normal. Dont put "it" on a pedestal.
Love advice coming from a "Hag" ? Don't listen !
Actually the Hag has some good advice. I find that is you're going way back to the start of the texts, it means you miss when the relationship was fresh, and sweet, and exciting, and now it's not as much.
The texts used to be "Hi baby, I miss you !!!", and now they are, "Hey".
Whoah now, you can't judge somebody's relationship and how much into them the other is just by one action they were curious about doing. Who knows she could be doing the same? Don't tell him that he is obsessive or putting her on a pedestal, that's not your decision to make.
It's probably good to dump all your text messages to a file and delete them every few years, simply to reduce the size of the database. A smaller database will perform better.
Not to mention there are likely hundreds or thousands of images stored on your phone using up space (especially if you are prolific MMS senders) that would be freed up when you do.
Just a tip; back when I deleted two years of texts from my iPhone 4 it felt faster.
Really... I guess I didn't realize people in good relationships never look at old photos, things that remind them of a good time they had with their SO, maybe is on a trip and enjoys the memory of that point when they can't be with the other person. I guess that's also why no one makes photo albums, mix tapes, or any other preservation of memories.
Sorry Sankersizzle for getting the thread sidetracked with my unsolicited advice.
I dont know of a way to retrieve old texts. I always thought the device purged the oldest stuff. I remember on my blackberry that you could hit a key and it would take you to the top of the string of texts/emails without having to scroll for 10 minutes. Would be interesting if someone knows a trick like this on the iphone.
*edit - just googled this and found that if you double tap the status bar at the top it will take you to the top of the page. Bad news is that it still shows you the "load earlier messages". Doesnt take you to the beginning of the discussion.
screenshots (power+home button at same time) save them on a photostream folder and enjoy them forever until you decide to delete the photostream.
good idea but it would have to be a very short conversation.
Damn I delete all my text messages every few months, lol.
You can use Spotlight search to bring up old messages if you can remember something written in them. Only problem with this is that in iOS6, it doesn't take you to the message in question, just to the conversation.
HOWEVER - somewhere in the iOS 7 'all the little things' thread, I seem to recall having a discussion with someone who confirmed that searching via Spotlight now takes you directly to the message. That *might* help in the next couple of weeks.
Text Messages are stored in a Database format, and not as individual files. It's unlikely that they will ever be "overwritten" in the sense you ask, but may well remain in the database tables either forever, or until such regular purge mechanism clears them out on a schedule.
So if you deleted messages, you can try two methods: You can use iTunes to retrieve deleted messages from iPhone; You can try recover from iTunes.
get a program called explorer and you can go to any point in a conversation rather easily, also export conversations to a txt file to save if you so choose.
How in the hell do you know why this person wants to go back to the beginning of his/her texts? The question was simply can it be done, and if so, how? I was wondering the same thing, but for a completely different reason. It's none of your business why the person wants to find a way to easily access old messages, so either contribute an answer, or don't contribute. This isn't a therapy site.
If you're girlfriend has an iPhone and you guys are sending iMessages to each other then you can easily scroll back through older conversations with the Messages app on a Macbook. That's what I do if I need to see some old messages.

industry_corpus2: Computing & Telecommunications


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The Beatles. Prince. Bruce Springsteen. KISS. All have made rock history with guitars (and occasionally, face paint). And this is your chance to own guitars signed by them. Because they did not sign any bottles of face paint.
Grilled Cheez Guy has saved you the trouble of tracking him down at random locations by opening up his first brick-and-mortar spot for you to grab a Jammer with comté, mozzarella, spicy pepper jam and arugula aioli. Or other cheese things. Plenty of cheese here. Cheese.
Stone Brewing Napa: Now a Thing. A Thing in a Historic Building on the Water.
Stone Brewing has opened a Napa location, bringing their brews and eclectic menu to a historic building so that you might enjoy an Impossible burger and Scorpion Bowl IPA with picturesque views along the Napa River. They care ever so deeply for you.
Head to Timbuk2's factory store this weekend to grab totes, backpacks and messenger bags for up to 70% off. Maybe think about a gift for a certain woman in your life who wants to see you get a good deal. Your mom. We're talking about your mom.
Here's an idea. Get the hell out of the city for a Mother's Day brunch at Healdsburg's Spoonbar. Go for the ambiance and smoked gouda burgers, stay for the bottomless mimosas. And sure, the memories.
Or you could always do Mother's Day old-school-style with a Breakfast in Bed kit from Belcampo that includes English Back Bacon, breakfast sausage, a dozen eggs and a signed copy of their cookbook. BYO glittery card that's good for one emptying of the dishwasher.
Nay, handsomer. And for the serious stargazers amongst you: here are some of the most spectacular nighttime adventures in the world, all of which end with you looking up at the sky in awe. Finally... what's the deal with "modesty ponchos"?

industry_corpus2: Hospitality & Catering


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At Glass Shower Enclosure Guys, we are there to fulfill your needs regarding Glass Shower Enclosures in Jackson Heights, NY. Our company has a crew of specialized contractors and the most innovative technologies in the industry to deliver just what you're looking for. Our products are of the highest quality and we have learned to save you costs. We're going to assist you to make decisions for your own project, respond to your concerns, and schedule a meeting with our experts whenever you contact us by dialing 888-664-6567.
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There are plenty of reasons to pick Glass Shower Enclosure Guys when it comes to Glass Shower Enclosures in Jackson Heights, NY. We'll be the first choice whenever you need the best money saving solutions, the best quality materials, and the greatest rate of client satisfaction. We are aware of your expectations and intentions, and we are here to serve you using our expertise. Dial 888-664-6567 whenever you need Glass Shower Enclosures in Jackson Heights, and we're going to work closely with you to successfully finish your task.

industry_corpus2: Real Estate & Construction


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Much of the proposition is free of charge but where we do need to charge we ensure that we use our combined buying power to achieve outstanding value. For example members can buy a website just like this one for a fraction of the price it would cost to purchase it independently.
One of the key aspects of modern marketing is content, in other words having interesting, professional articles to send to clients and prospects. Compass members receive a free quarterly newsletter that can either be e-mailed or posted to a database. All of the stories from these newsletters are then placed in our content library where they can be dropped into an e-newsletter, posted to a brokers website, or used in a social media campaign in the click of a few buttons.
Our marketing proposition is delivered by Excentra. Managing Director Richard Burnett and the team boast a unique understanding of the independent insurance sector, meaning that they are perfectly placed to assist you in getting through to your customers.
Offering a wide range of marketing services covering everything from simple campaigns to a full rebrand, the team can work with you to create a strategic plan that raises your brokerage’s profile. Excentra can deliver as much or as little marketing support as your business requires to help you deliver a strong return on investment and improve your reputation.
Meanwhile, Phil Peters leads the team at Stack Communications. This specialist digital marketing agency designs, develops and hosts websites for Compass members, with the option to mix and match further services on offer depending on your particular business needs. Phil and the team focus not only on ensuring that your website looks aesthetically appealing, but also that it operates efficiently.


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Top Hair Changing my image for the summer!
Changing my image for the summer!
I've changed my hair style from medium hair to short hair towards upcoming summer! Mr. Okamoto Kousuke in Aube Hair Garden did my hair today! You will definitely be satisfied with your hair style here! Also, I recommend people who think that they are not good at talking or who are the first time to go to hair salon because he is very kind and friendly!

industry_corpus2: Others


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The Illustrators are a professional graphic design and illustration company in Sydney, Melbourne and Brisbane. We create stunning designs for consumers and businesses of all sizes. Our clients include: Australian Government, 7-Eleven Stores, Warner Bros, Melbourne Rebels and hundreds more. The Illustrators have been a creative source in Australia since 2014. Let us help you with your next project.
The Illustrators design cartoons and caricatures with a stunning likeness to the subject. We draw images in a simplified and exaggerated way for use in editorial cartoons and magazines. In 2018 The Illustrators were selected by Warner Bros. to create cartoons for Channel Ten in Australia.


text: Safety management in construction is an integral effort and its success requires inputs from all stakeholders across design and construction phases. Effective risk mitigation relies on the concordance of all stakeholders' risk perceptions. Many researchers have noticed the discordance of risk perceptions among critical stakeholders in safe construction work, however few have provided quantifiable evidence describing them. In an effort to fill this perception gap, this research performs an experiment that investigates stakeholder perceptions of risk in construction. Data analysis confirms the existence of such discordance, and indicates a trend in risk likelihood estimation. With risk perceptions from low to high, the stakeholders are architects, contractors/safety professionals, and engineers. Including prior studies, results also suggest that designers have improved their knowledge in building construction safety, but compared to builders they present more difficultly in reaching a consensus of perception. Findings of this research are intended to be used by risk management and decision makers to reassess stakeholders' varying judgments when considering injury prevention and hazard assessment.


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Örö is a former military island, which today belongs to the Archipelago National Park. The island is located in the outer archipelago and is a true nature paradise and a magnificent cultural and historical destination.
The experienced and professional guide from NaturEffect takes the group to discover the incredibly diverse nature and fascinating history of the island.
And all this in one island! Örö will provide a memorable archipelago experience, that will satisfy even experienced wildlife traveler.
Excursions and rates vary according to the duration of the trip. Below you will find a presentation of every Örö tour offered by the NaturEffect.
The length of the route is about 3.7km. Departures not later than 14:30.
This is an excellent tour for all groups who want to experience the most magnificent nature of Örö at one time with a short sight.
Prices does not include customer travel costs to the island (see operators and schedules: www.nationalparks.fi/oro). Trip departures are always on arrival or at an agreed time. We can help you with tickets, if needed.
You can also agree on shorter and longer trips. Please contact info@natureffect.fi.
Possible lunches and other services are reserved by the groups themselves. Dining, travel, accommodation and other services can be found here: www.nationalparks.fi/oro.
We can help you with these, if needed.
Suitable for all beginners, but not for people with disabilities.
For example, for work communities, other groups, individuals.
Group size 5-40 people. Groups bigger than 40 fixed separately.
Special requests and inquiries can be sent to info@natureffect.fi.
If the group arrives in Örö with their own boat, they will begin their tour at the Örö guest harbor information board.
If a group departs from the port of Kasnäs on a communications traffic, we will meet in Kasnäs before the departure of the ship. More information at booking.
Örö guidance is available all year round.
In September-May, you must reserve a taxi boat to Örö. In this case, please contact us.
Guided tours must be always booked at least three days prior to guiding to ensure boat ride availability. During the summer season, guided tours are also possible, but not guarenteed, at the day's notice by calling 0407700065.
Bike tours must be booked at least four days before the trip to ensure the availability for bikes.
The Örö guide is an experienced nature guide Ville Laitinen, who has guided Örö as a guide for Metsähallitus since 2013, when the island was still Military island. The Örö Nature Guidance introduces you to the special features of Örö and the Archipelago Sea, as well as the interesting nature of Örö, and more specifically its plant variety, herbal heritage, habitats, geology and the fascinating history of the island.
* Örö is one of Finland’s most important concentrations of endangered species and habitats. Particularly, Örö is known for its precious and varied butterfly and plant variety. Butterflies are more than 1650 species, which is as much as 60% of all Finnish butterfly population. There are also some plants, that are not growing anywhere else in Finland, but on Örö island.
Almost 350 types of endangered species have been found from Örö. The average number of endangered species is 1.5 per hectare, which is more than anywhere else in Finland.
Örö soveltuu erinomaisesti kaikentasoisille. Öröllä voi valita reitin ja opastuksen pituuden ryhmän liikkumisen ja kiinnostuksen mukaan.
Toiminnan vastuuvakuutus. Oma matkavakuutus suositeltava.
Opas on erittäin kokenut Örö-opas, jonka kanssa voidaan mennä mihin tahansa päin Örötä.

industry_corpus2: Travel & Geography


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Degrees with a strong return.
Following up with our class of 2016 graduates, a Loras College education proves to be a financially rewarding investment. A full 99% of 2016 graduates were employed or continuing their education within one year of graduation.
Let your interest lead to a program.
With over 40 majors and minors to explore, your passions can point the way to the program that’s right for you–and your future. View a variety of our Equivalency Guides for course equivalencies from many community and technical colleges or try our Transfer Credit Search for college courses you have taken or plan to take.
Meet one-on-one with a faculty advisor to map out your degree completion plan. Gain valuable experience in your field through internships and community-based learning.
Transfer students are eligible for generous merit scholarships and need-based grants. The financial planning office works closely with each student to access the most financial aid possible.
With more than 80 co-curricular clubs and organizations, students at Loras are involved! Whether you choose to compete on one of our NCAA Division III teams or be a broadcaster on our award-winning LCTV, you’ll find many ways to be engaged and grow as a leader at Loras.
Founded in 1839 by Bishop Loras, Loras is a Catholic college. We value the dignity of all people and create an environment where people from all faith traditions, or none at all, can find the spiritual growth they desire.
At Loras College, financial access to education is one of our defining values. We are committed to helping all our students make their degrees affordable—which is why 100% of our students receive some form of financial aid.
Launch your future at Loras College.
You have questions. We have answers! Whether it’s about financial aid, transfer credits or how long it will take you to complete your degree, our advisors are ready to fill you in.


text: The goal of this study is to experiment with various ionic fixatives to aid aqueous treatment of water-sensitive media on paper. Water-sensitivity of media can be attributed to different causes. In general, ionic dye molecules are dissolved into water; whereas, particles in pigment-based media are dislodged or dispersed in water due to a softening of the binder or the lack there of. The nature of the paper support (the length of fibers, density, thickness, sizing materials, coating, and degree of aging) is also a factor in media sensitivity during aqueous treatment. When planning the use of a fixative, the important first step is to determine whether to fix the media physically or chemically, and temporarily or permanently. The choice is based on the main cause of the given water-sensitivity: colorants, binder, additives, or the characteristics of the paper substrate. Also, one has to decide what degree of change is acceptable, based on the historic or artistic value of each object. Sometimes, a small amount of color shift, or even a slight loss of media intensity, can be considered acceptable if the objects are archival in nature and their condition is to be greatly improved by the pending washing treatment. Whereas, certain objects, particularly works of art, require minimal or no change during treatment; otherwise, the treatment is not justifiable. B-72, wax, and BEVA are some of the frequently tried fixatives based on physical holding of media. These physically-holding fixatives are to be removed after the desired aqueous treatment is completed. Cyclododecane, on the other hand, is a physically holding fixative that does not require a removal step because of its sublimation characteristics. The use of ionic fixative is relatively new. In 1988, Karl Bredereck and Almut Siller-Grabenstein published a study using ionic fixatives to improve the water fastness of ionic ink dyes when performing aqueous deacidification for archival materials. The study demonstrated that water-soluble ionic dyes could adhere more strongly onto the paper when oppositely charged fixing agents were applied to form almost insoluble complexes. The chemical bonding between the dye and the fixing agent is permanent and none-reversible. Leroy and Flieder (1993), Blüher et al. (1999), Porto and Shugar (2008) followed with more research comparing various commercially available ionic fixatives. In this study, 13 different ionic fixatives are tried: a suspension of Mesitol NBS and Rewin EL, Appretan N 92100, Cartafix FF, Cartafix SWE, Cartafix WA, Cartafix WE, Cassofix FRN-300, Nylofixan HF, Catiofast 159(A), Catiofast 269, Catiofast 2345, Lupamin 9095, and Polymin PR971L. The samples were provided by the U.S. branches of three different companies--Achroma/Clariant, BASF, and Neschen. The study focuses on observing the interaction between these fixatives with various writing media and paper and finding application methods that are easy and relatively risk free.

industry_corpus2: Manufacturing


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LIC full form is Life Insurance Corporation. It has introduced several plans for the people to give the financial support to the family of Policyholder when he dies. If you are residing in Chittorgarh and searching for LIC Branch, then you can make use of our site to know the Address and other details of LIC branches in Chittorgarh.
The Policies offered by the LIC Corporation are LIC Child Plans, LIC Money Back Plans, LIC Pension Plans, LIC Health Insurance Plans, LIC Whole Life Insurance, etc. These Plans are also available in LIC Chittorgarh Branch. You can get complete details of LIC Chittorgarh Branch like Address, Phone Number, Email-id, etc. by scrolling down the page.
If you want to buy any one of these plans then, you can visit Chittorgarh LIC Branch, which is nearest to your Location. The details mentioned below helps you to reach the branch. Once you have visited the LIC Branch Office you can buy a new LIC Plan of your choice. After becoming the policyholder, we have to pay some premiums monthly/ Half Yearly/ Yearly according to that plan. To pay the premiums or to know the details about the Policies we can visit the LIC Branches in Chittorgarh.
In Chittorgarh, we have three LIC Branches in the state of Rajasthan. Visit any one of the Branch to take the LIC Policy and know the complete details about Premium and Policy Term and become a Policyholder. If the Policyholder expires then the money will be given to their family. To claim the LIC India Policy we have to visit the LIC Chittorgarh Branch with required Documents. LIC is providing a Financial support to the family of the Policyholder. To buy a new policy, for revival, for Claiming, etc one can visit the nearest LIC branch office. The Address, phone number, Email Id, Branch code and other details of LIC Branches in Chittorgarh are mentioned below in tabular form.


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Apple today held its first ever services-centric event, where the company introduced several new and upcoming service products with no hardware announcements at all.
It took Apple almost two hours to introduce Apple News+, Apple Arcade, Apple Card, and Apple TV+, but we've recapped the entire event in just six minutes for our readers who want a no-frills overview of everything Apple announced today.
The only service that's available today, Apple News+, is designed to provide access to hundreds of magazines and a handful of paywalled news sources for $9.99 per month. Everyone on a Family Sharing plan can access Apple News+ for that $9.99 per month fee.
Apple Card is a new credit card Apple's offering in partnership with Goldman Sachs. Starting this summer, you can sign up for an Apple Card right on the iPhone and start using it immediately for Apple Pay purchases. You can make digital payments with Apple Pay using the card, but for non-Apple Pay payments, Apple is giving customers a slick titanium card with no visible credit card info like number and CVV (all of that info is in Wallet, though).
With Apple Card, you get 1% cash back for standard card purchases, 2% cash back for Apple Pay purchases, and 3% cash back for Apple purchases. Cash back is provided to you on a daily basis and you can use it for paying your balance, making purchases, or sending Apple Pay Cash in Messages. There are also unique budgeting and tracking tools for monitoring spending along with support via the Messages app. There are no fees, and Apple plans to offer low interest rates.
Apple Arcade is Apple's new cross-platform subscription gaming service that will provide access to more than 100 iOS games from publishers like Disney, Sega, LEGO, Cartoon Network, Konami, and more when it launches this fall in over 150 countries. Apple hasn't announced pricing, but an Apple Arcade subscription will include full access to all games with no additional in-app purchases necessary to unlock content.
Apple's final services announcement was Apple TV+, which will house all of the company's original TV content. Apple has more than a dozen original shows in the works from creators like Steven Spielberg, J.J. Abrams, and Oprah. Pricing hasn't been announced because it's not launching till the fall, but Apple TV+ will be available in Apple's revamped TV app, coming in May.
The new TV app, which will be available on iOS devices, Apple TV, Mac (in the fall) and third-party Smart TVs from Sony, LG, Samsung, and Vizio, features better than ever recommendations built on machine learning and a new "Channels" option that will let you subscribe to and watch content from providers like Starz, Showtime, and HBO.
Make sure to stay tuned to MacRumors because we'll have more coverage of Apple's new services including detailed guides coming this week.
Menel and iapplelove like this.
As I was expecting, a very underwhelming announcement.
ATV+ I have the feeling will be an expensive Netflix.
News, seems expensive and not sure I want another subscription.
Maybe if Apple combine all the above plus Music and storage for a great price, then maybe.
Finally....Come on Apple, bring that Mac Pro and displays at WWDC. Enough of this madness.
duncansby, Altis, aimson911 and 53 others like this.
The Apple TV app Everywhere part of this announcement has much potential, especially on various Smart TVs, and on Roku TVs and Roku sticks, and on Amazon Fire TV sticks.
Classie, darkcompass and na1577 like this.
duncansby, MajikMarker, freedomlinux and 101 others like this.
This has to be the most confusing Apple event I've ever seen. I don't feel like they articulated the value propositions of any of these services nearly as well as they could've.
Wishing the best for the company as they try to increase other revenue streams, I just hope News+ doesn't go the way of Newsstand.
freedomlinux, mburkhard, NMBob and 19 others like this.
Haven’t seen this mentioned yet (it probably has but I’m not going through hundreds of forum posts), but the fact they are bringing the TV app to the Mac is HUGE, insofar that iTunes has always been the player for iTunes movies. Does this mean they are actually going to be breaking iTunes apart this year? A separate TV app could also mean separate Music, Podcasts, et. al apps.
They did say the TV app for Mac was launching in the fall, so no doubt it will be part of macOS 10.15 (which will launch in the fall). Hopefully this means they are pushing even further with Marzipan (iOS-like apps on Mac), I bet we get 3rd party support in 10.15 as well.
Edit, also asking HomePod for news updates seems to be broken after the 12.2 HomePod update. It says “Here’s the latest news from so-and-so”, and then immediately stops. Anyone else?
Classie, Fred_Eric, Sandstorm and 3 others like this.
Ugh, I usually berate others for being negative...but after watching this today, I am not sure they know what they are doing at all with these things.
duncansby, HArzeh, MajikMarker and 67 others like this.
I am never really negative about apple, but this today took it over the edge.
badNameErr, Peter_M, Sandstorm and 10 others like this.
Yeah, I really couldn’t care much less. I am intrigued by the credit card, but mostly because it fits into what Apple is (or has been) as a company; a hardware + software company that excels at seamlessly merging the two for a clean, ‘it just works’ user experience.
I’m a total Apple nut, but I feel like they’re moving more into the services arena because they KNOW they aren’t innovating like they used to. I feel like very soon, their products are just going to disappear into the crowd, instead of REALLY standing out as they have in the past. Since that equates to less revenue, boom! we jump into services for more revenue.
I’d prefer to see them double down their focus on products, both hardware & software & continue to innovate there.
duncansby, aimson911, Kebabfar88 and 32 others like this.
Why can’t we just stream everything in iTunes for one monthly price? Music, movies etc.
They already have the established library.
This was never what I wanted from Apple, ever.
freedomlinux, Altis, badNameErr and 47 others like this.
You failing to see the innovation doesn’t mean it’s not there.
Classie, bwillwall, ThisIsARealityCheck and 4 others like this.
Apple knows what they are doing. They have to put resources into other areas since iPhone adoption has reached near-critical mass. With fewer and fewer people upgrading each year, fewer and fewer new features taking advantage of the hardware, and ever-increasing prices across the board, I think these next few years will see a drastic drop in iPhone upgrades (I.e. the main source of money). Having already established a solid ecosystem, with stores and payment systems, adding additional content consumption systems on top of that will be easy money for Apple, IF the content is worth paying for. I wasn’t “wowed” by anything shown today, but they seem like they have a solid idea of where they want to go with all of this.
smulji, omglolbbq, xxray and 5 others like this.
My feeling is that Apple is trying to juggle too many balls at the same time.
I always think of Steve when he returned to Apple, simplified the hardware line and focused on software big time. While I get we live in different times, I wish Apple could focus on what matters most and stop trying to jump all over the place.
duncansby, freedomlinux, Altis and 38 others like this.
bluecoast, cinq2, NMBob and 12 others like this.
I just updated to 12.1.4 last night. Honestly I feel lucky as the 12.2 will have features that are not applicable / interesting for me. I lived in Indonesia btw.
It seems Apple slim-down its 12.1 version to prepare make it bloated again for these features.
Thanks MR for the 6 minute round up, so much better than watching the drawn out keynotes.
Nothing of interest though, apart from the Apple card, but it looks like that is USA only.
Spendlove, Lone Deranger, lyngo and 3 others like this.
In 2007, Apple had 21,000 employees. Today, they have at least 132,000. That’s insane growth in 12 years, but all those people gotta have something to do. I agree that I prefer the “lean” Steve Jobs Apple of years past, but as we know they can only rely on iPhone sales for so long. They know this so have been expanding into all of these media areas for the past few years, building up to what we saw today.
ownamac and omglolbbq like this.
Seeing as I don't live in the US, or Canada, and none of all that applies to me I hope no-one is going to mind if I just pretend that that keynote didn't happen.
duncansby, TheMountainLife, bobmepp and 8 others like this.
This is what Timmy said we’re just getting started. ROFL! Oh shoot my stomach hurts.
Peperino, Huck, ex0dus1985 and 1 other person like this.
Care to support your comment with some meat, instead of a weak, keyboard warrior answer?
Trust me when I tell you I’m an ENORMOUS Apple zealot, but I’m becoming.....disheartened.
duncansby, freedomlinux, Altis and 18 others like this.
Everything in six minutes ?
I could do it in under one minute .
duncansby, badNameErr, poe diddley and 23 others like this.
In ten years this event will be a clear post of where they really focused on new avenues. Services is a huge business, and I'm glad that today was a reminder for me to cancel stuff so I can save more money. It just wasn't a good event really. Good doesn't mean important though. Some of this stuff (apple card, privacy in general, where apple tv+ will be when they have five or six killer shows) are good things, it's just not exciting and it doesn't make for the best event. Their graphics and promo's were still top notch, as usual though.
Glockworkorange and Blackstick like this.
Desperate move on desperate times. Too bad Cook is more concerned of putting more money to its investors. I guess more iPhone cases and watch bands coming soon before holidays.
Peperino, xnu, sdz and 5 others like this.
I don’t care what people say, that was one of the most fun and feature packed Apple events that I can recall in recent memory.
Hardware is important... and so is software... and so is content and services. It’s not just about what hardware you can buy but what you can do with it. Apple announced a ton of new ways to use your Apple devices.
The presentations were well done, they moved through everything at a good pace and that intro video alone got me giddy about Apple like I haven’t been since the Steve Jobs era.
ownamac, TomaxXamot, Chiefjop and 19 others like this.
Next up as Tim Apple completes the transition into a service company (like General Electric): Six Sigma management!
curtvaughan, Blackstick and ReneR like this.


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LIMITED EDITION FLAVOR INCLUDED - Featuring Original, French Vanilla, Hazelnut and Vanilla Lemon naturally flavored dairy-free creamers!
UNSWEETENED CREAMER - nutpods is a rich, smooth creamer made from almonds & coconuts to satisfy all of your dairy-free and non-dairy cravings, and always unsweetened (no sugars or alternative sweeteners added).
HEALTHY ALTERNATIVE - These dairy-free creamers are an essential addition to a healthy lifestyle, for those who follow keto, paleo, plant-based (vegan), vegetarian, lactose-free, and/or diabetic diets.
NUTRITION INFORMATION - Free from Carrageenan, Dairy, Soy & Added Sugars. Certified Vegan, Whole30 Approved, OU Kosher, Gluten-Free, Non-GMO Project Verified & Paleo and Keto Friendly!
CONVENIENT PACKAGING - Comes as a package of twelve 11.2oz shelf-stable containers making it portable for all of your travel needs. Refrigerate after opening.
Free from Carrageenan, Dairy, Soy & Added Sugars. Certified Vegan, Kosher, Gluten-Free & Non-GMO Project Certified, & Paleo-Friendly!
Unsweetened and meant to be used with your favorite sweetener, or none at all, and great in your sweet and savory recipes too!
Comes as a package of Three, 11.2oz shelf-stable containers. Refrigerate after opening.
LIMITED TIME ONLY - The perfect Stocking Stuffer Gift! Pumpkin Spice, Peppermint Mocha & Dark Chocolate Orange, all in one beautiful package of unsweetened deliciousness!
Dairy-Free, Unsweetened (0g of sugar per serving), and Deliciously Creamy.
Whole 30 Approved, Keto & Paleo Friendly, Certified Vegan, Kosher, Gluten-Free, Non-GMO Project Verified, Carrageenan and Soy free, and 0 Weight Watchers Smart Points per serving.
An alternative to Half & Half, nutpods is used in sweet & savory recipes!
CONVENIENT PACKAGING - Comes as a package of three 11.2oz shelf-stable containers making it portable for all of your travel needs. Refrigerate after opening.
EXPECT TO BE DELIGHTED: Our creamy French Vanilla flavor elevates any cup of coffee with its warm vanilla sweetness. Make your morning cup of joe a special treat or add flavorful inspiration to your afternoon coffee break. Shelf stable, non-dairy creamer.
SHAKE IT, STIR IT, FREEZE IT, STEAM IT: International Delight creamers are for more than just coffee. Add some flavor delight to hot chocolate or other beverages, shake up a cocktail, make a frozen coffee drink, or pour it in a blender with ice cream.
SINGLE SERVE COFFEE CREAMERS: Single serve coffee creamers aren't just great for parties, offices or group events. They're also great at home as a special treat, and individual servings help with portion control so your sweet tooth won't ruin your diet.
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FLAVOR YOUR COFFEE: Compare International Delight coffee creamer to creamers & flavoring from Nestle Coffee Mate, Califia Farms, Leaner Coffee Creamer, Nutpods, Folgers, Organic Valley, SO Delicious, N'Joy, Ghiradelli, Torani, Monin, Amoretti, & Starbucks.
DAIRY FREE DELICIOUS: So Coconutmilk Creamer is a delicious alternative to dairy creamers, soymilk, almondmilk, hempmilk, cashewmilk, ricemilk, peamilk or any other dairy free creamers. Coffee and tea both taste better with French Vanilla creamer added.
VANILLA DELICIOUS: So Delicious French Vanilla Coconutmilk Creamer is a deliciously sweet, dairy free addition to your morning coffee. No need to ask a barista, your everyday coffee routine just got easier with a touch of rich and creamy French Vanilla.
ALWAYS DAIRY FREE, ALWAYS DELICIOUS: So Delicious dairy free products are everyday dairy-free delights for every part of your day. Whether you're cooking a chocolate custard or blending up a protein shake, So Delicious has the dairy free product for you.
WHOLESOME AND DELICIOUS: So Delicious dairy free beverages not only taste great, you can feel great about them. Our products are certified vegan and Non-GMO Project Verified, with no artificial flavors, colors, or sweeteners and always cholesterol free.
SO DELICIOUS: Compare So Delicious's line of dairy free beverages to soymilk, almondmilk, coconutmilk, cashewmilk, ricemilk, flaxmilk, and hempmilk from Rice Dream, Good Karma, Pacific, Wildly Organic, NutPods, Dream Blends or Sneakz.
DAIRY ALTERNATIVE: Mooooove dairy, get out the way! Soy milk powder? Get out the way! Coconut milk organic powder is coming in hot. Substitute your daily creamer for this healthier powder milk coconut creamer alternative. Mixes well, tastes great.
ENTERING KETONE ZONE: MCTs in coconut powder lead to ketone production in the liver, turning extra fat into these all-purpose high-energy packets. Just one more reason to ditch the soy milk powder.
HEMOGLOBIN HIGHWAY: Organic coconut milk powder is loaded with iron. This attracts the affections of your body's hemoglobin: the blood's iron and oxygen transport system. Perfect for boosting athletic radiance.
OXYGEN-BOOM: Coconut milk powder's MCT spikes production and activation of the oxygen-binding protein in human blood; yeah - our pal hemoglobin again. This added oxygen transport relieves the heart and other organs gasping for more 02.
FATIGUE FIGHTER: Muscle fatigue. Gripping ligaments. Coconut milk powder gets optimal oxygen supply to all the precincts of your grateful body, disbursing the stuff through a tuned-up hemoglobin network to exhausted muscles, tissues and organs.
EXPECT TO BE DELIGHTED: Our café inspired Caramel Macchiato flavor elevates any cup of coffee with warm caramel. Make your morning cup of joe a special treat or add flavorful inspiration to your afternoon coffee break. Shelf stable, non-dairy creamer.
EXPECT TO BE DELIGHTED: Our creamy Hazelnut flavor elevates any cup of coffee with its rich, toasted and nutty flavor. Make your morning cup a special treat or add flavorful inspiration to your afternoon coffee break. Shelf stable, non-dairy creamer.
EXPECT TO BE DELIGHTED: Our Cold Stone Sweet Cream flavor elevates any cup of coffee with its sweet ice cream flavor. Make your morning cup of joe a special treat or add flavorful inspiration to your afternoon coffee break. Shelf stable, non-dairy creamer.
CREAMY, SWEET, RICH: International Delight French Vanilla Liquid Creamer is a creamy dream of sweet and mellow French vanilla flavor. Transport your tastebuds to the streets of Paris with this delicious, decadent, delightful treat in your morning coffee.
DELICIOUS CONVENIENCE: International Delight's single-serve coffee creamers are perfect for taking on the road, tossing into your purse, tucking into your briefcase or stocking the office pantry. Experience the delight of flavored coffee wherever you go!
WE LIKE IT INTERNATIONAL: At International Delight we know you like it International and you expect to be delighted. Our deliciously sweet creamers will transport you to a Parisian café, a Tuscan villa, or a Colombian cafetería with every delightful cup.
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SUCH A DELIGHT: Compare the rich, creamy sweetness of International Delight products to nutpods, Nestle, CoffeeMate, Natural Bliss, Organic Valley, Califia Farms, N'Joy, Leaner Creamer, Omega PowerCreamer, Laird Superfood, Wildwood, or Darigold.
12 Flavor Single Serve Liquid Coffee Creamers Variety Pack. Each Cup is Portion Controlled and Foil Sealed.
Coffee Mate Original, Salted Caramel, French Vanilla, Cafe Mocha, Italian Sweet Creme, Cinnamon Vanilla Creme, Vanilla Caramel, Irish Creme, Hazelnut, Shelf Stable Carnation Half and Half as well as Two Seasonal Flavors which will Vary.
MAKE THE WORLD A BETTER PLACE WITH YOUR PURCHASE! Every purchase of RiverFinn products includes a donation to honor and thank our TROOPS.
Blend quickly and completely into hot or cold beverages. Rich and creamy Non-Dairy liquid coffee creamer - No refrigeration needed.
Rich and creamy way to create a delicious cup of nutty goodness.
Easy-pour container is perfect for home or office.
TRY IT RISK FREE - BONUS eBOOK, MONEY BACK GUARANTEE- We offer a 100% money back guarantee, because we believe in the quality of our product and care deeply about the happiness of our customers. If for any reason you are not happy with your purchase, contact us for a FULL refund. *FREE BONUS GIFT* Get a copy of our exclusive eBook, "Quick Keto Basics"
DELICIOUS TREAT: Try Silk Organic Almondmilk anywhere you enjoy your dairy milk: over your cereal, in your coffee or simply by itself. Even better, every serving pours on 50% more calcium than dairy milk. Plus, Silk almondmilk is a good source of protein.
DELICIOUS ANYWAY YOU WANT: How will you enjoy the rich, smooth, decadently smooth taste of Silk Original Almondmilk? Probably with a great big smile on your face! It's delicious in smoothies, baking recipes, cereals, tea, coffee or straight up in a glass.
WHOLESOME AND NOURISHING: Silk believes in the goodness (and good-for-you-ness) of plant-based foods. Our soymilk, almondmilk, coconutmilk, cashewmilk and other delicious, plant-based products are simple, wholesome & nourishing, just as nature intended.
DAIRY FREE AND DELICIOUS: We know you have so many choices for dairy alternatives: soymilk, almondmilk, hempmilk, coconutmilk, cashewmilk, ricemilk, peamilk, goats milk, flaxmilk, and so many more. Silk Almondmilk has been a trusted brand for decades.
NO COMPARISON: Hold Silk's dairy-alternative products up to Veggemo, Freydas, Charged Chocolate, Good Karma, Augason Farms, Milkadamia, Almond Breeze, Meyeberg, Tigers Milk, Instant Milk, Honeyville Farms, Rice Dream, Tempt, Healthworks, or Coconut Cloud.
Perk up your cup with the delicious taste of almonds! Silk Vanilla Almond Creamer brings nutty flavor, a hint of vanilla and subtle sweetness, totally dairy-free. Go ahead-swirl it in.
The classic favorite to create a delicious cup of creamy, vanilla perfection.


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Festivals are a good chance to shoot a variety of photographs – from portraits and candid images to performances and long exposure photographs. Read this article for tips to shoot festivals with Canon EOS 5D Mark IV!
Pre-event planning is important to know what you will be shooting and when you can shoot it. Most, if not all, festivals have a schedule for performances and key events. Check out the events schedule beforehand to know the highlights of the festival to plan your route.
Pre-event planning also involves planning your gear in advance. The must-have gear is a tripod for photographing long exposure shots at night – fireworks and performances. Additionally, a zoom lens is useful in capturing performances from afar without causing disruption.
How do you choose what to shoot at a festival with so much going on? Shoot everything – from the setup to the live performances and even the surrounding landscapes! Always be on alert and capture many photographs or a single powerful moment before the moment passes.
Choosing the subject of your photograph also depends on the message you wish to convey. Set the scene by shooting the small details and panoramas or share moments by photographing events, performances and people.
For photographing long exposure shots at night such as fireworks and performances, a tripod is essential. Research for good vantage points or accessible locations to photograph which will help in shot composition. EOS 5D Mark IV is the perfect choice for event photography as it is lightweight, making it convenient to bring around especially during long events. Furthermore, it’s improved ISO sensitivity means a decrease in the noise and increase in the photo quality!
Checking out the surroundings and learning about your subject goes a long way in helping to frame and compose the shot. Keep shooting at different angles and looking out for interesting compositions to get that unique shot! In this case, a wide-angle lens or telephoto lens can help capture interesting perspectives.
Festivals may follow a schedule but it is impossible to predict the exact moment for an opportune shot. So always be prepared to capture and seize the moment!


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or the technical ladders as we call them at DataDIGEST.
You can find a full index of the series at the end of this post.
Fairness. There are no games. People on the same rung of a ladder are paid the same. You can’t hassle for higher pay, you grow and add more value to move up the ladder to get higher pay.
Transparency. A person’s rung is known, and how to move up is known. To be fair we have to be transparent, you have to know who is on your level and who is not, and why.
Competitiveness. To attract and keep the awesome people we want, our compensation structure must be market related for a company our size.
Independence of work means you take ownership of your responsibilities and you don’t suffer from the "it’s not my job" mentality.
Problem solving means you can identify problems and find, communicate, and implement quality solutions.
Creative thinking means you can think outside the box, you can look at problems and situations from different angles.
Technical flexibility means you do not live and think in a technical silo. You can comfortably switch between technology stacks, software products and services to suit the situation at hand.
Communication means you can clearly, and concisely, exchange information with other people, this includes the ability to listen, mentor, teach, report and assist.
Team work means you understand and embrace the fact that we are all in this together and we can get more done working together than we can when working alone.
Continuous learning means that you share our belief that we can always do, and be, better. You actively seek out and learn new things, to share with your team and the community at large.
These attributes permeate all our actions at DataDIGEST. We believe that teams possessing high levels of these attributes will be awesome to work in, highly efficient, highly adaptive and valuable.
We recognise that not all technical people want to become a "manager", thus we offer technical career paths that do not have management at the apex.
Software development. (Development ladder) Primary focus is the business of software development. Includes not only the physical writing of code but the whole process of producing awesome software.
Operational support. (Operational ladder) Primary focus organisational ICT operations. Includes not only IT Support but all ICT operations within an organisation to ensure that the ICT infrastructure supports the organisation’s smooth and efficient operations.
Being within one career path does not mean that you are absolved from learning the skills in the other career paths, it means that you have a focus on one path. In fact, moving past level 5 competencies in both paths will be required.
Level 0 is for interns.
Level 5, which is full professional status. Most people won’t go beyond this level.
Level 6 and 7 can be achieved only by making significant, above average contributions to DataDIGEST.
At DataDIGEST we don’t consider job titles to be terribly meaningful, as a result of which most people on the technical ladders have the title ‘Member of Technical Staff’ with the exception of level 0 and level 7.
Level 1-6 Member of Technical Staff.
Scope is a measure of your independence of work, work ownership and quality etc. In other words: What you have taken responsibility for and are producing outputs for at our expected level of quality.
Skill is a measure of your technical and interpersonal skills. In other words: How technically proficient you are and how well you are contributing and transferring your skills to the team.
Calculating your level on the ladder is a simply the average of scope and skills (rounded using normal maths rules, so 3.5 becomes 4).
Enablers are people who consistently and exceptionally enable other people to do their jobs better. They are people who motivate, rally the troops, improve morale, and provide leadership beyond their normal level. They are placed one level higher than they would otherwise deserve.
Over the years much has been published on professional ladders and career paths, thus claiming that our structure is completely original would be dishonest. In this regard I would like to recognise, and thank, Joel Spolsky, in his capacity as co-founder and CEO of Fog Creek Software and co-founder of Stack Overflow, for his posts on this subject.
Furthermore it would prudent to note that “Historically, Fog Creek’s Professional ladder is based on Microsoft’s professional ladder, which was adopted and publicised by Construx” – Joel Splosky.
Many of the guidelines you see here are blatantly copied, with minor modifications for the culture we are creating.


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Issue 15 of Love Patchwork & Quilting signals the start of a series of three solids only quilts made by me. The first one is a Kaleidoscope quilt for which I used the new Kona Cotton colours and plenty of older ones.
The quilt is paper pieced and suitable for beginners and is a great opportunity to use your fabric scraps.
Those new Kona Colours are wonderful and I had a lot of fun pairing them with other contrasting colours to produce a real carnival of colours.
This quilt features about 80 different colours of which most are bright and a few more sedate that make the riotous ones pop out even more.
I quilted in my customary continuous circle quilting technique that I have sewn a lot again lately. It really is a never ending love affaire.
I really love this quilt, all those colours are so luscious!
Gosh this is fabulous! I love your use of colour. This should have been on the cover, I reckon. You make me want to try paper piecing - might have to be my 2015 resolution.
What a wonderful looking quilt - all those great colors and the binding just sets it off wonderfully. Can't wait to get my issue and make up this quilt as I have a bundle of Kona that I got many months ago just waiting for the right quilt to come along and it just did. Maybe I should wait for the other quilts before I do this one.
Ooooh I just love it, and the quilting is fabulous!
Nice color on the binding!! Lovely colors.
Your quilt is beautiful and inspiring. I made my first all solid quilt last month and I love working with solids more than prints.


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It`s fine technology demonstration that shows good possibilities of vvvv in field of shapes detection and make it interesting to learn it.
So I have to spend some time installing Windows to my MacBook as any other Mac owner who want to work with vvvv. It runs only in Windows.
P.S. vvvv – is a development enviroment for interactive graphics creation. It support visual development as well as C# coding.
а quartz composer не дает подобных возможностей ?


text: The book, The Illustrated Longitude: The True Story of a Lone Genius Who Solved the Greatest Scientific Problem of His Time [Bulk, Wholesale, Quantity] ISBN# 9780802775931 in Paperback by Sobel, Dava;Andrewes, William J. H.;Sobel, David may be ordered in bulk quantities. Minimum starts at 25 copies. Availability based on publisher status and quantity being ordered.

industry_corpus2: Literature & Emotions


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Katrina hails from Southern Maryland. Katrina is a classically trained singer; she was accepted to the University of Miami (in Miami, FL - not Ohio) Frost School of Music and studied opera before deciding to pursue her other interest of political science. Katrina has been involved in a number of choral ensembles since elementary school, most recently performing with the San Diego Master Chorale. While her roots may be in the choral world, Katrina loves a wide variety of music, has always wanted to join a band, and decided to go for it in early 2018. She is thrilled to be a member of Sonic Tonic and is looking forward to performing awesome music that gets the crowd rockin'!
Andrew hails from Newburgh, NY. Son of a Dixieland piano player, Andrew was exposed to music at a very young age. Andrew played trombone and would jam with his dad and friends during hours long music sessions at home. Andrew eventually started playing guitar and played in various bands in the Hudson Valley. The most successful band, The D.H.'s, managed a few gigs in various local college towns. After stepping away for years, Andrew decided to play again and was a member of both O.S.G and Nattie and The Casual Tease, here in San Diego. In March of 2015 Andrew, along with Rudy Manahan and Eyal Wigdor started a project that would become Sonic Tonic. Andrew switched over to bass in 2013 and has never looked back. Andrew has many musical influences rooted in the Alternative Rock scene, but also enjoys the Classic Rock he grew up on. Andrew is an avid fan of the New Jersey Devils and used to play hockey with Rudy in the 1990's!
Tim Hails from Scranton PA. Tim started playing guitar at age 15 when he and his friends decided to start a band. Tim has been playing in bands off and on ever since and has played many styles from Doom Metal to Punk to Blues. Tim has played in many bands both on the East and West Coasts, both originals and covers. Some of Tim's bands have included Repugnant Slug, The Cretins, Side Over, and The Dumest Animals. Tim recorded a CD with his originals band, Mojave Green. Tim's playing style is hard hitting and loud, but with enough touch to soften it up to fit any genre. Tim's favorite bands have shaped his sound and have given him a unique sound that compliments any rock genre. Tim joined Sonic Tonic in 2016 and hasn't looked back! As Tim likes to say "Drive fast, take chances" and "If it's too loud, then you are too old!"

industry_corpus2: Film & Entertainment


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Sacramento M’s is the new metropolitan summer collegiate baseball team. Our club mission is to showcase promising college players that are from the Sacramento region. We promote homegrown talent and prove that we can compete on a national level. We noticed that Sacramento region has a strong legacy of producing professional baseball players; our club would like to be the road stop for up and coming players on their journey to the Major Leagues. The Sacramento M’s promote a fun family environment for an affordable price. If you would like to see the stars of tomorrow go see the Sacramento M’s today.
M's box scores can be viewed the following day in the Sacramento Bee newspaper.

industry_corpus2: Sports


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Since 2005 the CPC has hosted several meetings focused on discussing the Cyprus issue with representatives of diplomatic missions in Cyprus, in order to inform them of recent developments regarding the isolation of North Cyprus and the views of Turkish Cypriots. In those meetings, the participants established the standpoints on which their policies regarding Cyprus issue were based, and their presented own perspectives on conflict resolution and the possibilities for a solution in Cyprus.
Radbound University Conflicts, Territories and Identities Master Programme students from the Netherlands listened to a seminar by Assoc. Prof. Dr. Ahmet Sözen, who is also the Director of Cyprus Policy Center, on the Cyprus Dispute and the ongoing peace negotiations on 25 January. Sözen started the seminar by giving a brief historical background on the Cyprus issue and the current dynamics on the Cyprus peace negotiations. After giving the milestones on the Cyprus Problem, Sözen talked about the 44 years long bi-communal peace negotiations and zoomed back from the history to the recent negotiations until the Greentree Summit. He showed the results of bi-communal public opinion surveys held by Cyprus 2015 towards possible peace plans. Prior to the questions session Sözen talked about the future possible scenarios for Cyprus. He calls these scenarios ‘Belgian-ization’ and ‘Czechoslovakia-ization’ of Cyprus, or ‘Kosovo-ization’, ‘Taiwan-ization’ and ‘Hatay-ization’ of North Cyprus under certain situations on the negotiation table. After the seminar a question and answer session was held.


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There are a number of fraud offenses that a person can be charged with in the Los Angeles area. In recent years, real estate fraud has become increasingly common. Specifically, law enforcement agencies and prosecutors pay close attention to foreclosure fraud. There has been a significant increase in this offense since the collapse of the housing market.
Going through home foreclosure can be a difficult and trying time for homeowners and their families. In recent years, there has been a growing number of people who claim to be “foreclosure consultants.” These consultants often promise to stop the foreclosure process upon payment of a fee. Under California Civil Code Section 2945 and California Civil Code Section 2945.4, it is illegal to solicit or represent to a homeowner that it is possible to prevent or delay a foreclosure in exchange for a fee in certain circumstances. These circumstances include collecting compensation prior to performing a service on behalf of a homeowner, charging excessive fees, taking a lien on the property as compensation, taking money from a third party without fully disclosing this to the homeowner, obtaining power of attorney from the homeowner or getting the homeowner to enter into an illegal contract. In the vast majority of cases, the foreclosure consultant is unable to provide any meaningful help to the homeowner and the home ends up being foreclosed upon.
Foreclosure fraud is such a significant problem that California recently passed a law requiring all foreclosure consultants to register with the Department of Justice and to post a $100,000 bond. This ensures that if the consultant is ever convicted of foreclosure fraud, the consultant’s victims would at least be able to obtain some amount of restitution. Failure to register with the Department of Justice or failure to post the requisite bond could result in criminal charges. Those convicted could be sentenced to up to a year in jail and fines of up to $25,000 for each violation committed.
There are a number of defenses that may apply to someone who has been charged with foreclosure fraud. It is important to remember that it is not illegal to act as a foreclosure consultant, as long as upfront fees are not charged and the defendant complies with statutory requirements. Foreclosure fraud requires that the defendant acted with a fraudulent intent. If the consultant had honest intentions and can show that he or she was taking meaningful steps to help the client but the property was still foreclosed, the defendant would have a strong argument in mitigation.
Foreclosure fraud is a “wobbler” offense that can be charged as either a felony or a misdemeanor. When making a filing decision, a prosecutor will consider factors such as the amount of money involved, the number or victims, the defendant’s criminal record and any other facts relevant to the case. If charged with a felony, the defendant can be sentenced to serve up to three years in prison and a $10,000 fine. If charged as a misdemeanor, the defendant may be required to serve up to a year in jail and would have to pay court fines. Victim restitution would be required as part of any foreclosure fraud conviction.
There are certain aggravating factors that can lead to additional jail time. If the amount taken from the victim was more than $65,000, the defendant can be sentenced to an additional one to four years on top of what is imposed on the underlying foreclosure fraud offense. If the loss amount was more than $100,000 and the defendant was convicted of two or more felonies for the same offense, he or she could be required to serve an additional five years in prison and a fine of either $500,000 or double the loss amount, whichever is more.
If you are under investigation for foreclosure fraud, it is crucial that you speak with a Los Angeles Criminal Defense Attorney immediately. As a former Deputy District Attorney with over 14 years of prosecutorial experience, Los Angeles Criminal Defense Lawyer Michael Kraut understands how best to fight allegations of foreclosure fraud. Mr. Kraut formerly served in the elite Major Fraud Division of the District Attorney’s Office and is experienced in defending clients charged with white collar offenses such as this.
For more information about Los Angeles foreclosure fraud, contact Los Angeles Criminal Defense Attorney Michael Kraut at the Kraut Law Group located at 6255 Sunset Boulevard, Suite 1480, Los Angeles, CA 90028. Mr. Kraut can be reached 24/7 at 888-334-6344 or 323-464-6453.


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Steak Night | An award winning restaurant and venue of sporting events and live music.
How long has it been since you’ve treated yourself to a succulent, hand-cut steak dinner? Every Wednesday we offering a mouth watering, cooked to order 6 oz sirloin steak with baked potato for only $8.95. Let us take care of dinner plans tonight. You’ve earned it!
Dine in only. Special valid with the purchase of any beverage.