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2 days eating in Naples
February 27, 2019 March 7, 2019 11 Comments
Back in January I told my husband we were going to a fancy restaurant for his birthday and asked him to Google it. 'Looks good. Hang on, it's in Italy'… 'Yes, I'm taking you to Italy for dinner!' I said smugly, glad that my surprise had been successful. The next day he text me saying he'd been doing some research and found another not-so-fancy restaurant that looked even better than the fancy restaurant I'd chosen. Who says romance is dead?
I'd asked some of my friends about where to go in Italy for a lightening visit in mid-January. Blue Monday to be specific – the most depressing day of the year. I'd toyed with Milan, Pisa and Florence but settled on Naples for two reasons: pizza and Pompei. I will admit that I may have had a tiny ulterior motive to nerd out but I've always wanted to go, and Murtie loves Italy so, really, everyone won.
We flew out of Gatwick at 8am on a Sunday morning, arriving in Naples around 10.45am. A sketchy 25 minute taxi ride later we were dropped off in a high-rise residential area, wandering the maze looking for our Airbnb, Lorenzo's Art Studio. We were greeted by our host, Jeanette, who popped her head out of a first floor window waving and shouting 'Katty! Welcome!'. She kindly let us leave our bags in the apartment so we could head out and explore, leaving us a key and instructions for how to get in later.
Our first port of call was something to eat, and for two people who hadn't had breakfast that only meant one thing: Neapolitan pizza. Back home in London I've been to a few places 'inspired' by Neapolitan pizza, but I've always been left disappointed by too much dough.
As we waited for our earmarked restaurant, Insolito La Pizzeria Gourmet, to open at midday we wandered up and down the streets near the Cattedrale di San Gennaro, eyeing up the pastries and sweet treats on display and trying to decipher the graffiti on the buildings. No doubt the owners thought we were a bit weird arriving as soon as they opened, but we were hungry, and English, and on time. We ordered a pizza each – mine a margarita with mozzarella, mushrooms and tomato, Murtie's with mozzarella, anchovies and capers (they're the wrong way round in the photo!). We could see the dough being spun and stretched through a window into the kitchen and within 10 minutes two enormous pizzas landed in front of us.
We cut them down the middle, took half each (we're food sharers, most of the time), and demolished them. As we were nibbling on the last bits of crust a group of 20 Italians came into the restaurant and filled every chair. It was like something out of a sit-com as three generations (we assumed) helped small children and little old ladies cram into any spare seat, including the two at our table. A delightful grey-haired Italian man doffed his cap at me when he sat down, and a stylish lady in a sensibly big coat sat next to Murtie. With zero Italian between us we smiled and made 'the food is yummy' faces before leaving the family party we had found ourselves in.
Day 1, 1.30pm
With full stomachs we walked to Piazza Garibaldi to catch the train to Pompei. It took us a little while to decipher the ticket machine but finally bought our tickets for about 5 euro and waited on the platform for our train to arrive. It was a almost a double-decker with a ton of empty seats, and spotless. There's nothing I love more than staring out the window of a train at the changing landscape and watching the comings and goings of ordinary people getting on and off the train.
The entrance to Pompei is a 20 minute walk from Pompei station and we arrived around 3pm. We bought our tickets and walked around the site for 2.5 hours. I won't go into detail about Pompei because you just need to go. I can't believe it's taken me 29 years to finally go there – a person who grew up religiously watching Time Team, the HBO series Rome, and spending most weekends of my childhood watching oranges flung from ballistas at Rockbourne Roman Villa in Hampshire (100% go there too, it's awesome).
We had a 40 minute wait for a train after leaving Pompei so we settled in to a bar next to the station called Open Bar. Our drinks came with a tray of nibbles – a custom I think English bars should really get on board with. You can't beat a bowl of olives and a bag of crisps with your G&T whilst it's pouring outside.
Our journey back took almost two hours because our train stopped mid-journey… and was promptly cancelled. It was a shame as we had been enjoying the (assumed drunken, perhaps they were high on life) escapades of four Spanish girls who were singing and challenging all the men on board to a salsa dance off. An older gentleman and his partner, who'd clearly been enjoying the entertainment too, kindly explained in broken English that the train had been cancelled and we could get another train from the opposite platform. We all got off the train and the group of Spanish girls, now with two Italian boys in tow, sprinted across the tracks. We were sensible tourists and took the subway, picking up the alternative train.
We were starving by the time we got to the restaurant Murtie had chosen for his birthday dinner, Antichi Sapori Partenopei. We were welcomed as if we'd walked into someone's home – our host, a friendly Italian lady, asked where we were from, handed us glasses of Prosecco with our menus and read the specials, recommending every single one. An Italian couple next to us joined in giving their recommendations too. A group of tourists from Serbia and Germany took a table in a corner and joined the melee. I slurped my Prosecco and grumbled to Murtie about how much I hate Brexit.
We ordered a starter of salmon carpaccio, which I didn't take a photo of because we were so hungry (sorry!) and two pasta dishes which were recommended to us: ricotta ravioli with shrimps and chive butter sauce, and courgette spaghetti (served Neapolitan style, which I was told is proper al-dente).
The food was unsurprisingly incredible. Pasta just tastes different in Italy – however I make it or cook it, it's never the same texture or taste as in Italy. Same for the pizza to be honest, there's just nothing like it. We finished off our meal with a dessert each – I had a chocolate torte and Murtie had a vanilla berry cheesecake, and both were off the chart.
By this point we'd finished a bottle of red wine made in the vineyards on Mount Vesuvius and 2 glasses of prosecco. We were stuffed, merry and eventually wobbled back to our Airbnb at midnight.
At 8.30am Murtie handed me one of the chocolate pastries gifted to us by our Airbnb host, Jeanette. By 11am we'd eaten the whole box, which was a perfect start to the day. I text Jeanette telling her we were ready to leave and she replied saying 'We have no guests today, take your time!'. We were so grateful she let us leave our bags so we could wander round Naples before leaving for our flight at 4pm.
We set off in search of more pastries and bought some local delicacies in a bakery called Pintauro. Murtie had a Sfogliatella – a Neapolitan flaky pastry filled with a sweet ricotta filling, and I had a Taralli Napoletani, a savoury round pastry which tasted of rich black pepper and almonds. I finished off Murtie's Sfogliatella as he said it was too sweet, but it was perfect for my sweet tooth. The bakeries in Naples are amazing and I snapped a few photos of the treats on offer.
Unfortunately the heavens opened around noon and did not stop. We walked to the restaurant Murtie had chosen for lunch and joined the soggy 'queue' of people waiting outside. Sorbillo is one of the most popular restaurants in Naples, purportedly serving 'the best pizza in Naples' and founded by Gino Sorbillo, the man who introduced Neapolitan pizza to the world. When I say we queued, we stood in a mass of people trying to work out what the queue etiquette was, finally deciding pushing to the front and giving a man with a clipboard our names was the accepted approach.
The wait was only 15 minutes as we'd come after the lunchtime rush. The menu was in Italian, so with a little help from Google Translate we ordered our pizzas with anchovies and mushrooms. Hats off to Sorbillo as the pizza did not disappoint – it was one of the best pizzas I've ever eaten. As for 'the best in Naples' accolade, well, I will have to come back and eat all the other pizzas to be able to decide.
We left Sorbillo around 3pm, our feet still soggy from the rain and in need of something sweet. I found a café nearby that did good hot chocolate according to TripAdvisor, and we arrived at Caffè Ciorfito a few minutes later. We sat down at plastic tables and were served the most amazing coffee and hot chocolate, with complimentary mini pastries and lemon sparkling water.
My hot chocolate was thick and luxurious and I enjoyed every spoonful. I literally had to eat it with a spoon, it was the best.
At 4pm we went back to our Airbnb to pick up our bags. We chatted with Jeanette for 45 minutes about her flat, her son, and coming to Naples from the Philippines. She was absolutely wonderful and I implore you to stay in her Airbnb. It's one of the best I've experienced. Even in the pouring rain she kindly walked us to a cash point and the taxi rank to get to the airport.
We got on the plane feeling absolutely stuffed and content. Despite the weather, Naples was full of character, history and really, really good food. I have no doubt we'll be back.
Deliciously Ella, London
'The milk isn't milk!'
Bless my friend's mum as she was asked whether she wanted soya or oat milk in her cup of tea. The concept of a plant-based café would probably be lost on my parents too, forgetting that milk is in fact an animal product. I'm told that oat milk is the better choice – I actually don't like tea and I'm fully aware that probably makes me not entirely British. I've made my peace with that.
Deliciously Ella was chosen by one of my best friends to fuel our bridesmaid dress shopping trip on Oxford Street two weekends before Christmas. Bonkers idea but it was actually great fun. We had a personal shopping appointment booked at Debenhams where we tried on a multitude of dresses in different shapes and fabrics, giggling at the awful ones, pretending to be catwalk models in the fancy ones, and eventually all agreeing on a dress that was the other end of the colour spectrum to what the bride wanted, and over budget. Woops.
At least we'd started the day in a calm environment because it inevitably finished not in one. I've followed Deliciously Ella on Instagram for a long time and I'm fully aware I'm about 5 years late to actually visiting her cafe. I've always admired how she's managed her health issues by changing her diet and sharing her experience for people going through similar things. I don't have the same health issues as Ella but I do care about the planet so I try and be flexitarian and responsible. I'm open to eating plant-based and have to say I'm always amazed at how good the food tastes (apart from in my work canteen where the vegan options are regularly a sludgy mess of lentils and under-cooked rice).
The counter at Deliciously Ella was incredibly tempting although I risked emptying my bank account trying everything on offer.
I was almost opted for pancakes by settled on sweetcorn fritters with spiced baked beans and avocado smash for a reasonable £6.95, which in central London is pretty good value for breakfast. It didn't take too long to come and was a good sized portion. Everything on the plate tasted fresh and flavoursome. The only thing missing was a poached egg – I know, I know, vegan fail, sorry.
The rest of the bridal party had a selection of baked treats including banana bread and brownies, which the mums thought tasted odd but the rest of us thought were tasty and prompted a game of 'guess the vegan alternative ingredient'. For 20 minutes we debated what kind of ground nut, date or syrup had been used instead of sugar or an animal product. Suffice to say we were the only ones having this discussion as the cafe was dotted with super cool young women in oversized pastel jumpers and Doc Martins who were cooler than any of us could ever be and clearly dedicated to the plant-based cause.
I enjoyed eating at Deliciously Ella and I'd definitely go again to try the tempting array of granola on offer. I imagine that won't appeal to everyone but I'm a cereal fiend. The décor was delightful, there was water on tap and I liked their 'philosophy' board displayed by the stairs –
I agree with the last point most of all – 'listen to your body'. I do my very best to eat lots of veg and if I am eating meat or fish I will buy organic and responsibly sourced, supporting local businesses as often as possible. But sometimes we fall off the wagon and after a heavy prosecco brunch at the weekend my body wanted a Big Mac and it solved all my problems. Sorry, Ella. I'll do better next time.
The Sarojin, Khao Lak, Thailand
February 20, 2019 March 7, 2019 3 Comments
I was 15 in 2004 and vividly remember watching footage of the Boxing Day tsunami on television. A friend from school was in Thailand at the time and I remember him describing the sound of the rushing water as he sheltered with his family on the top floor of their hotel. At that age my furthest trip abroad was Europe; I'd never been to Thailand and knew absolutely nothing about it. As I reached my late teens and early twenties my perceptions of Thailand were shaped by stories of friends' gap years, photos of their sunset cartwheels and gargantuan cocktail buckets at debauched full moon parties. Finally making the trip aged 29 for two weeks (not long enough) has at last opened my eyes to what Thailand is all about: big-hearted people, colourful culture, sunsets of dreams (fewer cartwheels though, much higher risk of injury now I'm over 25) and food that I'd fly back for tomorrow.
When we booked The Sarojin we knew nothing about its story or that of Khao Lak. We chose it solely on aesthetics and the prospect of much needed beach time following a week in Bangkok and Chiang Mai. I will leave you to read about The Sarojin's origins. I won't dwell on the hotel's past too much because I want to talk about its present. The hotel is defined by exquisite, heart-warming hospitality; arriving there was like being welcomed home by my parents at Christmas.
Our flight from Chiang Mai to Phuket earlier that day was unremarkable apart from a mild feeling of panic when it looked like we were landing on the beach until the runway appeared seconds before we touched down. After an hour heading north on a motorway our taxi turned down a lane and meandered through groves of rubber trees until we pulled into the landscaped drive of The Sarojin. I was greeted with a leafy bouquet and we were led to some sofas where we dabbed our faces with cool, freshly scented towels and toasted our stay with a juice flavoured with the plant that grows in the hotel's grounds. We were overwhelmed with tranquility.
We had arrived early and as we waited for our room to be ready we followed a winding pathway to the beach, which was already dotted with bronzed sun-seekers and happy children. I hopped about excitedly as something darting along the sand turned out to be a tiny hermit crab scurrying towards the sea. Wildlife in central London leaves a lot to be desired unless you're a fox spotter, so a hermit crab in the wild was super exciting.
Later in our stay Murtie beckoned me out of the pool because he'd spotted a water monitor making its way stealthily across the grass. Seeing it was magical; I haven't felt wonder like that in a long time.
Once we'd dusted the sand off our feet outside our garden room we cracked open our complimentary sparkling wine and spent half an hour admiring every spotless surface, the neatly folded towels, the luxurious waterfall shower and later, wondering how we would scoop out the pink rose petals floating in the bath tub.
I can't say I've stayed in that many luxury hotels and I suppose if you're in them all the time then you might not appreciate the luxury and little details. I can safely say that The Sarojin is the best hotel I've ever stayed in for one distinct reason: the little details. Whether we were by the pool, eating breakfast or walking to our room, we noticed little details: grounds staff wished us good day, cold water/ juice and fruit at the pool, folded towels in the shape of animals on our bed and palm leaf sculptures on our pillows.
I'm contemplating the next sentence and I'm salivating. The food at The Sarojin is the best I've eaten at a hotel. Ever. It's inclusion in the Michelin guide is deserved. I can taste the French toast with perfectly cubed fresh fruit and sweet maple syrup. Their all-day breakfast concept is one I fully got on board with. Sitting under a canopy looking out over lush green grass, listening to the bubbling water feature and twitter of birdsong, eating our way through the menu was the defining, joyful moment from our honeymoon. If you drew a Venn diagram of Murtie and I, the linking circle would be food. When I say we ate our way through the menu, we absolutely did. Even if our choices got a bit lost in translation; my request for avocado on toast with poached eggs came as a beautifully plated avocado sandwich with poached eggs. I was not complaining, sandwiches are great.
We tried everything on the Thai breakfast menu over our 7 days including mee sapam (egg noddles with shrimp and squid), phad se-eiw (wok friend rice noodles with chicken and dark soya sauce), Thai omelette and congee. Next we went onto sweets and devoured banana pancakes, French toast and waffles, finishing our 'breakfasts' each day with a cheese board. I can't put into words how happy I was eating all the food. All day. For 7 days. If heaven exists, it's the all-day breakfast at The Sarojin.
As a kind gift to us on our honeymoon we were treated to a five course tasting menu for dinner. I must apologise for the lack of photos because it was by candlelight and I didn't want to interrupt our romantic dinner by trying to take photos for Instagram. Here is the menu:
I won't describe each course, but each one was as delicious and intriguing as the next, and paired perfectly with the wine. Both of us winced drinking the dessert wine as the sugar hit our teeth and it was the only glass that wasn't emptied that evening.
We spent the next few days exploring Khao Lak early in the morning, taking the hotel's push bikes to Sai Rung waterfall, spotting Kingfishers and cicadas on telegraph wires, and along the cape to coconut beach.
Once we returned to the hotel we had leisurely breakfasts/lunches and chilled by the pool or beach, sheltering occasionally from the unpredictable but spectacular tropical storms that appeared and disappeared as quickly as they arrived.
We returned to our room on our penultimate night to find a letter inviting us to a staff meet and greet that evening. It was wonderful to meet the people behind the little details, who were each introduced by name, role and how long they'd been part of the Sarojin family. The hotel manager, Mr Kade, kindly introduced me to the head chef, who told me about his career and passion for creating beautiful food. If we hadn't book a day-long excursion for our final day I'd have stayed longer to take him up on the kind offer of a cooking lesson.
By candlelight we ate our evening meal in the hotel: fish cakes and sea food pizza, the portions so big we took our leftovers back to our room for a midnight snack.
On our final day in Khao Lak we took a longboat ride through the mangroves and rocky outcrops of the Phang Nga Bay. We'd booked the excursion through The Sarojin and it showed: a supply of cool, fresh towels to dab our faces, a cool box of drinks and a hospitable guide who shared her interminable knowledge of the area with us at every opportune moment. We kayaked around the bays, laying down to float inside the rocky caves with awe and wonder at nature. A few times we came across plastic and polystyrene in the water, which our guide responsibly gathered onto the kayak to remove. We posed like idiots on James Bond Island, Khao Phing Kan, and later stopped at Koh Panyee, a Muslim community on stilts in the middle of the bay. Here our guide set up a veritable feast of stir fry, prawn and chicken tempura, fried rice and fresh pineapple overlooking the view. We returned to dry land an hour later and were driven to the 'monkey temple', Wat Suwan Kuha, and watched from afar as they demolished bananas and pushed each other into a tin bath of muddy water.
We were inevitably sad to leave The Sarojin to catch our flight home the next morning. We were, however, gratefully surprised by our pre-ordered breakfast boxes, which were enormous and included a variety of pastries and muffins, and a scrambled egg and smoked salmon wrap with fresh orange juice. It was delightful, although we were a bit sad not to enjoy the all-day breakfast one last time.
I'm writing this a few months on and I genuinely feel a bit emotional about the experience we had at The Sarojin. Despite collecting insect bites and sunburn, I loved every moment of staying of there and would fly back tomorrow if work would let me. I'll fondly remember the cheeky Burmese striped squirrels chasing each other at breakfast, the couples who relentlessly hogged the prime-spot day beds at the pool, and the adorable misspelling of 'Honeymoon' on our bed when we first arrived.
I'll never forget the jolly voice of a Thai lady saying 'sawasdee kah!' to every passer-by of her bar, and the delicious pineapple shakes we drank out of coconuts sitting 10 metres in front of a derelict hotel swimming pool destroyed 15 years ago. We felt uneasy, unnerved and yet humbled. It felt important that we were there, witnesses to the visible reminders of past devastation. The twisted tree roots and broken rocks on the beach have become part of the landscape, and life in Khao Lak goes on.
HONESTY POLICY
The Sarojin gave me one complimentary evening meal having seen some of my Instagram photos. I have received no payment for this article and it is a 100% honest review. I bloomin' loved the place!!


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Крестовська волость — історична адміністративно-територіальна одиниця Маріупольського повіту Катеринославської губернії із центром у селі Крестовка.

Станом на 1886 рік складалася з 3 поселень, 3 сільських громад. Населення —   (1067 чоловічої статі та 983 — жіночої), 133 дворових господарства.

Поселення волості:
 Крестовка — колишнє державне село при річці Пане-Іванова або Валіторош за 35 верст від повітового міста,  , 172 дворових господарства, православна церква, школа, винний склад, лавка.
 Олексіївка — колишнє державне село при річці Кальчик (Шагарівка),  , 100 дворових господарств.
 Апостольське — колишнє державне село при річці Кальчик (Шагарівка),  , 229 дворових господарств, православна церква, лавка.
 Архангельське — колишнє державне село при річці Кальчик (Шагарівка),  , 100 дворових господарств.
 Дмитрівка — колишнє державне село при річці  Кальчик (Шагарівка),  , 191 дворове господарство, православна церква, 2 лавки.
 Зачатівське — колишнє державне село при річці Мокрі Яли,  , 148 дворових господарств.
 Златоустівка — колишнє державне село при річці Мокрі Яли,  , 146 дворових господарств, православна церква, лавка.
 Знаменівка — колишнє державне село при річці Пане-Іванова або Валіторош,  , 78 дворових господарств.
 Карлівка — колишнє державне село при річці Мокрі Яли,  , 86 дворових господарств, молитовний будинок, поштова станція.
 Стрітенське — колишнє державне село при річці Пане-Іванова або Валіторош,  , 151 дворове господарство, православна церква, земська станція, лавка.

Джерела

Посилання

Волості Катеринославської губернії
Історія Волноваського району

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Rates of car ownership in Asia varies significantly by country. Some nations like Singapore have very high taxes on vehicles which artificially depresses demands for cars relative to their GDP. Singapore has a world class public transportation system to account for the lower amount of cars. At the same time, Japan also has one of the world's most efficient public transit networks and still has a high degree of car ownership.
A couple things worth noting on the graph below.
The US is #4 in the world, but it also has a very high population.
North Korea has a higher level of car ownership than Myanmar.


text:
«Мам́о» — українська пісня Анастасії Приходько у стилі етно-поп. Текст оригінальної версії пісні повністю україномовний й був створений Діаною Гольде.

Існує також російськомовно-україномовна версія пісні, з якою Приходько виступала на 54-му Пісенному конкурсі Євробачення 2009 року в Москві як представниця від Росії.

Оригінальна україномовна версія пісні для участі у Євробаченні від України

Оригінальнальна україномовна версія пісні вперше прозвучала 8 грудня 2008 року, коли Анастасія Приходько брала участь у півфіналі українського відбору на «Євробачення 2009». Тоді розгорівся скандал і участь виконавиці опротестували, ніби-то з огляду на деякі порушення регламенту проведення конкурсу.

Російськомовно-україномовна версія пісні для участі у Євробаченні від Росії

Для нацвідбору до Євробачення від Росії Приходько змінила мовне наповнення пісні. Так куплети пеереклали російською а приспів залишили оригінальним україномовним. Офіційна відбулася 28 лютого 2009 року в ефірі політичного ток-шоу «Свобода» Савіка Шустера на українському телевізійному каналі «Україна».

З цією російськомовно-україномовною версією пісні «Мама» Приходько перемогла 7 березня 2009 року з 16 кандидатів російського національного відбору на «Євробачення-2009». Для визначення переможця в Росії сумувалися бали глядачів і професіонального журі. Пісня набрала чверть усіх глядацьких голосів, що є рекордним результатом для російських відборів, а також отримала 6 (проти 5) голосів журі.

Джерела і посилання

 Офіційний сайт
 Біографія Анастасії Приходько  ,
 Виступ А.Приходько на російському фіналі відбіркового туру до «Євробачення-2009»  // відео у розділі «Євробачення-2009» на сайті російського Першого каналу

Пісні 2009
Пісні за алфавітом
Поппісні
Українські пісні
Пісні Євробачення 2009
Пісні Росії на Євробаченні
Пісні про жінок


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Feature Value Investing Weekly
7 Best Undervalued Stocks of the Week – 9/3/16
I evaluated 30 different companies this week to determine whether they are suitable for Defensive Investors, those unwilling to do substantial research, or Enterprising Investors, those who are willing to do such research. I also put each company through the ModernGraham valuation model based on Benjamin Graham's value investing formulas in order to determine an intrinsic value for each. Out of those 30 companies, only 7 were found to be undervalued or fairly valued and suitable for either Defensive or Enterprising Investors. Therefore, these 7 companies are the best undervalued stocks of the week.
The following companies were found to be suitable for either the Defensive Investor or Enterprising Investor and undervalued:
CBS Corporation (CBS)
CBS Corporation is a mass media company.
CBS Corporation is suitable for the Enterprising Investor but not the more conservative Defensive Investor. The Defensive Investor is concerned with the low current ratio, insufficient earnings stability or growth over the last ten years, and the high PB ratio. The Enterprising Investor is only concerned with the level of debt relative to the net current assets. As a result, all Enterprising Investors following the ModernGraham approach should feel comfortable proceeding with the analysis.
As for a valuation, the company appears to be Undervalued after growing its EPSmg (normalized earnings) from $0.4 in 2012 to an estimated $3.69 for 2016. This level of demonstrated earnings growth outpaces the market's implied estimate of 2.8% annual earnings growth over the next 7-10 years. As a result, the ModernGraham valuation model, based on the Benjamin Graham value investing formula, returns an estimate of intrinsic value above the price.
At the time of valuation, further research into CBS Corporation revealed the company was trading above its Graham Number of $32.64. The company pays a dividend of $0.6 per share, for a yield of 1.2% Its PEmg (price over earnings per share – ModernGraham) was 14.1, which was below the industry average of 40.02, which by some methods of valuation makes it one of the most undervalued stocks in its industry. Finally, the company was trading above its Net Current Asset Value (NCAV) of $-27.81. (See the full valuation)
Graham Holdings Co (GHC)
Graham Holdings Company is a diversified education and media company.
Graham Holdings Co is suitable for the Enterprising Investor but not the more conservative Defensive Investor. The Defensive Investor is concerned with the insufficient earnings stability over the last ten years, and the poor dividend history. The Enterprising Investor is only concerned with the lack of earnings stability over the last five years. As a result, all Enterprising Investors following the ModernGraham approach should feel comfortable proceeding with the analysis.
As for a valuation, the company appears to be Undervalued after growing its EPSmg (normalized earnings) from $17.69 in 2012 to an estimated $34.81 for 2016. This level of demonstrated earnings growth outpaces the market's implied estimate of 2.79% annual earnings growth over the next 7-10 years. As a result, the ModernGraham valuation model, based on the Benjamin Graham value investing formula, returns an estimate of intrinsic value above the price.
At the time of valuation, further research into Graham Holdings Co revealed the company was trading above its Graham Number of $0. The company pays a dividend of $6.22 per share, for a yield of 1.3% Its PEmg (price over earnings per share – ModernGraham) was 14.08, which was below the industry average of 40.02, which by some methods of valuation makes it one of the most undervalued stocks in its industry. Finally, the company was trading above its Net Current Asset Value (NCAV) of $-41.04. (See the full valuation)
Marathon Petroleum Corp (MPC)
Marathon Petroleum Corporation is engaged in petroleum product refining, marketing, retail and transportation businesses in the United States and the east of the Mississippi.
Marathon Petroleum Corp is suitable for the Enterprising Investor but not the more conservative Defensive Investor. The Defensive Investor is concerned with the low current ratio, insufficient earnings stability over the last ten years, and the poor dividend history. The Enterprising Investor is only concerned with the level of debt relative to the net current assets. As a result, all Enterprising Investors following the ModernGraham approach should feel comfortable proceeding with the analysis.
At the time of valuation, further research into Marathon Petroleum Corp revealed the company was trading above its Graham Number of $32.64. The company pays a dividend of $1.28 per share, for a yield of 3%, putting it among the best dividend paying stocks today. Its PEmg (price over earnings per share – ModernGraham) was 11.52, which was below the industry average of 55.24, which by some methods of valuation makes it one of the most undervalued stocks in its industry. Finally, the company was trading above its Net Current Asset Value (NCAV) of $-38.3. (See the full valuation)
Navient Corp (NAVI)
Navient Corporation is a loan management, servicing and asset recovery company.
Navient Corp is suitable for the Enterprising Investor but not the more conservative Defensive Investor. The Defensive Investor is concerned with the insufficient earnings stability over the last ten years, and the poor dividend history. The Enterprising Investor has no initial concerns. As a result, all Enterprising Investors following the ModernGraham approach should feel comfortable proceeding with the analysis.
As for a valuation, the company appears to be Undervalued after growing its EPSmg (normalized earnings) from $0.63 in 2012 to an estimated $2.39 for 2016. This level of demonstrated earnings growth outpaces the market's implied estimate of 1.25% annual earnings loss over the next 7-10 years. As a result, the ModernGraham valuation model, based on Benjamin Graham's formula, returns an estimate of intrinsic value above the price.
At the time of valuation, further research into Navient Corp revealed the company was trading below its Graham Number of $21.98. The company pays a dividend of $0.64 per share, for a yield of 4.5%, putting it among the best dividend paying stocks today. Its PEmg (price over earnings per share – ModernGraham) was 6.01, which was below the industry average of 19.87, which by some methods of valuation makes it one of the most undervalued stocks in its industry. (See the full valuation)
The following companies were found to be suitable for the Defensive Investor or Enterprising Investor and Fairly Valued:
Applied Materials Inc (AMAT)
Applied Materials, Inc. (Applied) provides manufacturing equipment, services and software to the semiconductor, display, solar photovoltaic (PV) and related industries across the world.
Applied Materials, Inc. is suitable for the Enterprising Investor but not the more conservative Defensive Investor. The Defensive Investor is concerned with the insufficient earnings stability over the last ten years, and the high PEmg and PB ratios. The Enterprising Investor has no initial concerns. As a result, all Enterprising Investors following the ModernGraham approach should feel comfortable proceeding with the analysis.
As for a valuation, the company appears to be Fairly Valued after growing its EPSmg (normalized earnings) from $0.57 in 2012 to an estimated $1.06 for 2016. This level of demonstrated earnings growth supports the market's implied estimate of 9.93% annual earnings growth over the next 7-10 years. As a result, the ModernGraham valuation model, based on the Benjamin Graham value investing formula, returns an estimate of intrinsic value within a margin of safety relative to the price.
At the time of valuation, further research into Applied Materials, Inc. revealed the company was trading above its Graham Number of $15.25. The company pays a dividend of $0.4 per share, for a yield of 1.3% Its PEmg (price over earnings per share – ModernGraham) was 28.36, which was above the industry average of 22.64. Finally, the company was trading above its Net Current Asset Value (NCAV) of $0.47. (See the full valuation)
Principal Financial Group Inc (PFG)
Principal Financial Group, Inc. is an investment management company.
Principal Financial Group Inc qualifies for both the Defensive Investor and the Enterprising Investor. In fact, the company meets all of the requirements of both investor types, a rare accomplishment indicative of the company's strong financial position . The Enterprising Investor has no initial concerns. As a result, all value investors following the ModernGraham approach should feel comfortable proceeding with the analysis.
As for a valuation, the company appears to be Fairly Valued after growing its EPSmg (normalized earnings) from $2.13 in 2012 to an estimated $3.04 for 2016. This level of demonstrated earnings growth supports the market's implied estimate of 3.83% annual earnings growth over the next 7-10 years. As a result, the ModernGraham valuation model, based on Benjamin Graham's formula, returns an estimate of intrinsic value within a margin of safety relative to the price.
At the time of valuation, further research into Principal Financial Group Inc revealed the company was trading above its Graham Number of $40.4. The company pays a dividend of $1.53 per share, for a yield of 3.1%, putting it among the best dividend paying stocks today. Its PEmg (price over earnings per share – ModernGraham) was 16.15, which was below the industry average of 16.56, which by some methods of valuation makes it one of the most undervalued stocks in its industry. (See the full valuation)
Tractor Supply Company (TSCO)
Tractor Supply Company is an operator of rural lifestyle retail stores in the United States.
Tractor Supply Company is suitable for the Enterprising Investor but not the more conservative Defensive Investor. The Defensive Investor is concerned with the poor dividend history, and the high PEmg and PB ratios. The Enterprising Investor has no initial concerns. As a result, all Enterprising Investors following the ModernGraham approach should feel comfortable proceeding with the analysis.
As for a valuation, the company appears to be Fairly Valued after growing its EPSmg (normalized earnings) from $1.41 in 2012 to an estimated $2.87 for 2016. This level of demonstrated earnings growth supports the market's implied estimate of 10.41% annual earnings growth over the next 7-10 years. As a result, the ModernGraham valuation model, based on the Benjamin Graham value investing formula, returns an estimate of intrinsic value within a margin of safety relative to the price.
At the time of valuation, further research into Tractor Supply Company revealed the company was trading above its Graham Number of $28.88. The company pays a dividend of $0.84 per share, for a yield of 1% Its PEmg (price over earnings per share – ModernGraham) was 29.32, which was below the industry average of 49.91, which by some methods of valuation makes it one of the most undervalued stocks in its industry. Finally, the company was trading above its Net Current Asset Value (NCAV) of $3.8. (See the full valuation)
The author held a long position in did not hold a position in any company mentioned in this article at the time of publication and had no intention of changing that position within the next 72 hours. See my current holdings here. This article is not investment advice; any reader should speak to a registered investment adviser prior to making any investment decisions. ModernGraham is not affiliated with the company in any manner. Please be sure to review our detailed disclaimer.
Tagged AMAT, CBS, Companies in the Spotlight, Feature, GHC, MPC, NAVI, PFG, TSCO
10 Low PE Stock Picks for the Enterprising Investor – September 2016
Alliance Resource Partners LP Valuation – September 2016 $ARLP

redpajama_set_name: RedPajamaCommonCrawl


text:
Q: Зачем в сеттере используется this? Java Есть код:
public class Book {
public void main(String[] args){
    Title title = new Title();
    Author author = new Author();
    Content content = new Content();

    title.setTitle("Bible");
    author.setAuthor("Jesus");
    content.setConetnt("Holy shit");

    title.show();
    author.show();
    content.show();

}

public class Title{
    public String title;

    public void setTitle (String title){
        this.title = title;
    }

    public String getTitle (){
        return title;
    }

    public void show (){
        System.out.println(title);
    }
}

public class Author{
    public String author;

    public void setAuthor (String author){
        this.author = author;
    }

    public String getAuthor (){
        return author;
    }

    public void show (){
        System.out.println(author);
    }

}

public class Content {
    public String conetnt;

    public void setConetnt (String conetnt){
        this.conetnt = conetnt;
    }

    public String getConetnt() {
        return conetnt;
    }

    public void show (){
        System.out.println(conetnt);
    }

}
}

Зачем здесь в методе set используется this?

A: Чтобы присвоить значение title из аргумента функции значению title класса. Почитай подробно про то, как работают сеттеры, классы и ООП в целом

A: this позволяет обращатся к членам класса. В твоем случае для того чтобы скрыть одноименный аргумент метода.

A: В левой части (this.title) - обращение к полю класса. В правой части (title) - обращение к локальной переменной из аргумента метода-сеттера.
Так как имена поля класса и локальной переменной совпадают, то используется служебное слово this для указания на поле класса.
Сама операция присваивает значение локальной переменной, (аргумент метода) полю класса.
PS: служебное слово this - ссылка на текущий экземпляр класса и запись this.title значит ссылку на глобальную переменную (поле класса) текущего класса с именем title (на локальные переменные таким способом ссылаться нельзя, так как они имеют меньшую область видимости, чем экземпляр класса)

redpajama_set_name: RedPajamaStackExchange


Football Whispers has teamed up with Vanarama and Motorama in their efforts to raise £150,000 for Prostate Cancer UK across September and October, providing the best coverage of the Vanarama National League online.
Like many of the clubs in the Vanarama National Leagues, Billericay Town have a long and storied history on the English football pyramid.
This is especially true of the teams in London and the surrounding area, including Dulwich Hamlet, who have been in the news in recent months. But Billericay's story goes back even further.
All the way to 1880 in fact, when the club was formed, or if you believe the 1977 FA Vase Final programme, which suggested the club celebrated its centenary in 1976, it was even earlier.
Rather than chug along in the depths of non-league football, the club's recent past has been among the most eventful and controversial periods in its history.
Last season they were promoted to the Vanarama National League South, and not only that, but they also won the Essex Senior Cup and League Cup to complete a treble.
Recruiting familiar names and former Premier League footballers Jamie O'Hara, Paul Konchesky and Jermaine Pennant, a string of convincing wins and unbeaten runs ensued, and the club were even spoken of as the next big force emerging from non-league into the Football League.
"I will get League Two in five years, I'll have a bet with any man in the world," said the club's owner, Glenn Tamplin, last year.
It's safe to say that Billericay have made convincing first steps on their way to achieving these ambitious aims. They have continued their good form as they embark on a new chapter in the Vanarama National Leagues, and they currently sit second in the league having won six of their first nine games this season.
Paul Konchesky may have left to concentrate on his pie and mash business, and Pennant may have been drawn to the Big Brother house more than he was to step two of the sixth tier of the English football pyramid, but this hasn't stopped the Essex side as they look to continue their climb.
As a result of this success criticism has inevitably come their way, especially when it comes to Tamplin. Since he bought the club in December 2016, the entrepreneur has built new stands, had murals painted on the dressing room walls, relaid the pitch, brought in high-profile players and guided the club to a treble. Literally, as he appointed himself manager. Then sacked himself after a run of poor results. Then rehired himself again.
This has led to a number of criticisms of the way he has run the club, and this came to a head recently when he was reported to the police during a game.
He has since released a statement on the club's website, in which he resigned from his post as manager and put the club up for sale in one fell swoop.
"For me the final nail in the coffin was yesterday at the Woking game where I was informed at the ground, after the match, that the police wanted to talk to me regarding a complaint from a fan that that I had been using cocaine.
"After speaking to the police they were satisfied that the complaint was unfounded, although angry and upset I felt that was the end of the matter.
"However, 20 minutes after I had left I was pulled over by the police. Bizarrely I was once again questioned regarding the complaint. This lead to my two young children who were with me becoming absolutely terrified and in floods of tears in the back of my car. Again, after assisting the police in every way possible I was again allowed to continue my journey home.
It has been a rollercoaster ride for the club, and it could yet have more twists and turns, and ups and downs. The incident which caused distress for Tamplin's family indicates that there will be no reinstatement this time around, and there will be no coming back for him as manager. But it's clear that he has an affinity for the club.
"My last actions will be to find suitable investors that will be able to run the Billericay Town and also to try my hardest to reinstate Harry Wheeler as manager of this great club," he added at the end of his statement.
A club which was founded 138 years ago – or 142, depending on which of the aforementioned records is true – is used to seeing change, and is used to ups and downs, but the whirlwind of the last two years is unprecedented and could have a big effect on the club in the near future.
Fans will hope that this manifests itself in another promotion, and more success in the Vanarama National Leagues and beyond.
Vanarama, and its newly launched personal leasing brand, Motorama, has set itself a 45-day challenge across September and October to raise £150,000 for Prostate Cancer UK. Lease a van, save a man. Find out more here.


text:
Statement of the ICC on Palestine
By: ICC
Statement of the Prosecutor of the International Criminal Court, Fatou Bensouda, regarding the Situation in Palestine
I have been following with concern the planned eviction of the Bedouin community of Khan al-Ahmar, in the West Bank. Evacuation by force now appears imminent, and with it the prospects for further escalation and violence.
It bears recalling, as a general matter, that extensive destruction of property without military necessity and population transfers in an occupied territory constitute war crimes under the Rome Statute.
I am similarly alarmed by the continued violence, perpetrated by actors on both sides, at the Gaza border with Israel.
As Prosecutor seized of the situation in Palestine, I therefore feel compelled to remind all parties that the situation remains under preliminary examination by my Office.
I continue to keep a close eye on the developments on the ground and will not hesitate to take any appropriate action, within the confines of the independent and impartial exercise of my mandate under the Rome Statute, with full respect for the principle of complementarity.
The ICC`s Office of the Prosecutor conducts independent and impartial preliminary examinations, investigations and prosecutions of the crime of genocide, crimes against humanity, war crimes and aggression. Since 2003, the Office has been conducting investigations in multiple situations within the ICC`s jurisdiction, namely in Uganda; the Democratic Republic of the Congo; Darfur, Sudan; the Central African Republic (two distinct situations); Kenya; Libya; Côte d`Ivoire; Mali; Georgia; and Burundi. Pre-Trial Chamber II is seized of the Prosecutor`s request for authorisation to commence an investigation into the situation in the Islamic Republic of Afghanistan. The Office is also conducting preliminary examinations relating to the situations in Bangladesh/Myanmar; Colombia; Guinea; Iraq/UK; Palestine; the Philippines; Nigeria; Ukraine; and Venezuela.
Source: Office of the Prosecutor | OTPNewsDesk@icc-cpi.int
Photos: (L) Residents of the Bedouin village al-Khan al-Ahmar look on as a bulldozer paves an access road to be used by Israeli forces in the imminent demolition of the West Bank hamlet, 4 July 2018. Source: Oren Ziv; (R) IC Chief Prosecutor Fatou Bensouda. Source: ICC.
• Armed / ethnic conflict
• Demographic manipulation
• Discrimination
• Displaced
• Displacement
• Housing rights
• Local
• People under occupation
• Population transfers
• Property rights
• Regional
• Rural planning
• Security of tenure
• UN system


Fashion is her passion. In fact, when Morella Frederick is in the presence of anyone, she is always assessing their clothing. And if she is not satisfied, she starts to re-dress them in her mind.
The fashion designer was in Barbados finalizing a few upcoming projects, which she is keeping close to her chest. However, on Friday last at the Waterfront Café, Bridgetown, she told Barbados TODAY about her journey in the fashion industry.
"I eat, sleep and breathe designing. I couldn't picture myself doing anything else," quipped Morella.
And that is no lie. The mother of three has done work in other areas before; but was not fulfilled. She has done secretarial studies and worked as a real estate secretary for thee years; she holds a Bachelor's degree in nursing, and she also studied psychology.
"I am not the person to sit in an office and work . . . . I always go back to fashion. One of the things I did in St Lucia is thatI studied psychology. The joke about it is I would be in there and I would be dressing people. I am serious," she said with a pensive look plastered on her face.
"I dressed everyone, regardless of what field I went in, because back in the day you never thought fashion would make money. It was supposed to be a thing you did, but not a real job. So that is why I embraced those other areas such as nursing and psychology, because I figured I would make a lot of money. But at the end of the day, I was still not happy . . . .
One of Morella's first models, Lisette King, showing off a Morella Fashion House piece.
A sample of Morella Fashion House resort wear.
Morella Frederick (left) with model.
"The only thing I would do without being paid is fashion," she added.
It was while attending primary school that her fashion design journey began. Morella learned dressmaking from her mother Catherine.
"Most children are usually more fashion-forward than their parents. So I never was happy with what she made for me. After she made them, I would remake them. Then I started making for my little sister and my doll. Then I decided to get professional training.
"Before I could hit the machine, I was sewing by hand. Then I would sew on the machine when [my mother] would allow me to –– back when you had the old pedal machine," Morella recalled.
She would also sew bags for her friends, and as she got older she would make her own clothing since she was "particular" about how her clothes should fit, given her slender stature. Her business was thus started over 30 years ago.
The Barbadian-born, who currently lives in the United States, migrated to Maine in 1996, two years after she began to represent the island in fashion designing in Boston.
In the first year she, along with the late Paul Anthony, took six models to do shows, tours and other exchange programmes to expose the local talent in the United States.
"My business started in 1982. I started designing and I had a couture shop in Tudor Street. At that time I did custom making and then I was introduced to doing shows on stage. I would always do a collection for my shop, but then I went onstage and worked with producers like the late Kingsley Thorne and Reginald Cave and others," Morella recalled.
Besides local shows, including BMEX, her work would take her around the region, to almost all the islands, presenting her designs –– not forgetting her exhibitions in the United States.
Referring to her "raw talent", Morella recalled a number of cases when she was able to make outfits for individuals without taking measurements –– and they would fit.
Lisette King, one of the designer's closest friends, and among the first models to work with her, said Morella's greatest gift was looking at an individual and being able to know what style would complement her figure.
There are four boutiques in Barbados that carry Morella's lines. And while the designer spends most of her time in the United States doing shows for the Barbados Cultural Committee and raising money for charities, she often comes back to Barbados to see what areas she can tap into.
Opting not to go into details, Morella said on this visit she was finalizing a project that involves resort wear. She has also registered a number of shows to be held in Barbados in the future, including Fashion Night Out Barbados and Ms Senior Sweetheart Barbados International.
Morella returns to the island too to supply the boutiques with her line of lingerie, swimwear and evening wear.
She does mostly resort wear in Boston between spring and the start of winter. Many pieces of her clothing are embellished with natural stones and crystals.
Morella works with about 12 people, including her models, between Barbados and America. She is involved in various pageants in the United States and as "the unofficial ambassador for Barbados", she sometimes takes the winner "and a small contingent" to Barbados, which she believes gives the island some additional exposure.
"Living in Maine, I have discovered a lot of people do not know about Barbados . . . . They want to know if it is part of Jamaica. So I am the unofficial ambassador for Barbados. I usually tell them about the country whenever I do a show and my car has the Flag Of Barbados.
"I tell people about the island and I always invite them. So we have people coming just to see what the island is like," the Bajan designer added.
When asked what were some of the challenges she faced in the industry, Morella simply replied: "I don't have any challenges. I always get what I want. I am serious. I am not even kidding. I am very serious . . . .
"Once I express what vision I have, people are always willing to help me. Everything I touch turn to gold," she explained after a short pause.
Besides designing and making fashionable items for stores, pageants and other fashion shows, Morella is also a stylist.
"Most of my work is in the US. I have very few clients here because I am very particular. So there are a very few Barbadians I style here –– ladies and gentlemen. Mainly business owners and CEOs –– those are the ones that usually ask for my service," she said.
Morella is the founder of the children's charity St Catherine's House, and she also dedicates some of her time to making clothes for other charities in the United States.
"Most of the shows that we do, a part of the proceeds go to charity. St Catherine's House is named after my mother because she is the one who taught me to give back," she added.
It was after attending her daughter's graduation in 2009 that Morella decided to start the charity –– when she found out some of her daughter's classmates were unable to attend because they could not afford a beautiful dress.
Morella said that over the years many people had embraced fashion designers, though some still believed they were only for clothing the rich and famous. And she said as some people continued to see fashion designers as people whose services they could not afford, there would always be a need for seamstresses.
"A seamstress is someone that you would go to and take a book with a picture and say this is what I would like. She is very talented, but you would show her what you would like and she would make that for you," explained Morella.
"A lot of people are embracing designers like myself because they are coming to you like a blank canvas and saying, 'Could you design something to complement my body type?'. . . . So I find that things have changed and people are really putting faith in designers now," she added.
Morella, who often uses the services of other designers, said she was employing more plus-size models now, after starting a show Runway For All in the United States, with the philosophy that "everyone wears clothing".
"One of my favourite models is 96 years old. [Seniors] still wear clothing, and the biggest model I have worked with was 300 pounds," she added.
It came as no surprise then when Morella said her inspirations were her mother Catherine and the late French fashion designer and founder of the Chanel perfume brand, Gabrielle Bonheur Chanel.
"She re-entered the fashion world at age 70. So it tells me that success has no age," Morella said.
The Barbadian designer and stylist said she was about to take her brand Morella Fashion House to the world.
"I am going through the Caribbean. My mother is St Lucian; so that was an easy opening for me. I am taking the Caribbean and Europe by storm," she added.
Amidst her enthusiasm for fashion, the grandmother of four says she has not ruled out the possibility of more studies in other subject areas.
Mr. Madden, excellent article. Kudos to Morella.
Morella continued success. Amazing, there's nothing wrong with a female wearing her husband's shirt. Time for reality check in Barbados.


In-Depth & Expert Insight With Those Making It Pay!
'How I Make Money Betting' is the name of a new and unique set of interviews with winning punters, tipsters and expert gambling professionals, published by the Smart Betting Club.
With a collection of interviews available immediately and more planned throughout 2018 and beyond – its your chance to learn the secrets behind the betting success of several very different gambling figures.
Exploring everything from the tricks of their trade, how exactly they identify value betting opportunities to coping with betting restrictions and much more – these interviews are your peek behind the curtain on how the 'professionals' do it.
Whether it be on sports such as horse racing, football and tennis or by placing bets with bookmakers, bet brokers or betting exchanges – we get the lowdown on the how, what, why and where of betting success from those living it day-in, day-out.
The latest interview in the How I Make Money Betting series is with Andrew, AKA 'The Value Bettor' who is the founder and brains behind the tremendously popular National Hunt tipping service of the same name.
Andrew's track record stands up to the closest of scrutiny and via his tipping service has managed a ROI of 30.1% from over 1300 bets issued since the 2012/13 winter jumps season.
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The latest interview in the How I Make Money Betting series features an in-depth discussion with expert football tipster, Ian Broadrick, which you won't want to miss out on!
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Ian is a true, bonafide football punting expert who for several years has worked alongside the likes of Neil Channing and Joe Beevers at the Betting Emporium.
This exclusive interview was released in June 2018, ahead of the 2018 World Cup.
Another recent interview published as part of the How I Make Money Betting series is with Andrew, AKA 'The Value Bettor' who is the founder and brains behind the tremendously popular National Hunt tipping service of the same name.
His detailed examinations of NH racing's major races are filled with insight on the horses to watch (or not) and he prides himself on helping educate his followers on how to find value betting opportunities.
In this special interview, first published in April 2018, we delve into Andrew's racing and betting background and gain a real insight into one of the most respected and profitable racing experts we have the pleasure to observe.
The long-term professional on his love of bookie loopholes and niche angles.
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text:
Home >> News >> Sports News
Belgium tops FIFA rankings for 3rd consecutive year
BEIJING, Dec. 12 (Xinhua) -- Belgium has ended 2020 as the world's best men's team according to the year-end rankings published by global football governing body FIFA.
The Red Devils, who finish the year on 1,780 points followed by World Cup winner France second on 1,755 and Brazil third on 1,743, have retained the honor for the third consecutive year.
The only change in the top five compared to 2019 is Portugal, which ranks 5th place.
Next in the rankings are Spain (6th) and Argentina (7th), both of which have improved two places compared to last year. Uruguay (8th), Mexico (9th) and Italy round out the top 10.
The team with the best progress in 2020 was Hungary who rose 12 spots to 40th en route to qualifying for the delayed Euro 2020 via the play-offs.
Japan is the best in Asia at 27th. China moved one spot up to 76th. Enditem
World Athletics president Coe hopeful for next season(12-12 14:59)
Hosts confirmed for FIBA Asia Cup 2021 Qualifiers February window tournaments(12-11 14:58)
2020 World Athletics Indoor Championships postponed to 2023(12-10 14:57)
FIFA president: New FIFA Club World Cup postponed in sign of "solidarity"(12-09 15:39)
Recruitment of volunteers starts for Chengdu Summer Universiade(12-07 15:38)


What's the forecast for the housing market next year? Analysts at Freddie Mac take a look at the current economy, where it's headed and how it will affect housing in 2015.
In its U.S. Economic and Housing Market Outlook report, the agency predicts that the home purchase market will continue strengthening along with the broader economy during 2015.
Expect to see interest rates climb throughout 2015, with yields on the 10-year Treasury averaging about 2.9 percentage points, up from about 2.6 percentage points in 2014, and rates on the 30-year fixed mortgage gradually climbing, averaging 4.6% and rising to 5% by the end of next year.
Projecting annual house price gains to slow from 9.3% in 2013, to 4.5% in 2014 and 3% in 2015. Continued house price appreciation and rising mortgage rates will dampen homebuyer affordability. Historically speaking, that's moving from very high levels of affordability to high levels of affordability.
Forecasting total housing starts to increase by 20% from 2014 to 2015 and expecting to see total home sales to increase by about 5% over that time period to the best sales pace in eight years.
Expect single-family originations to fall an additional 8% from 2014 to 2015 to $1.1 trillion annualized as increases in purchase-money lending are insufficient to offset a drop in refinance. Refinance is expected to make up just 23% of originations in 2015.
Multifamily mortgage originations have risen about 60% between 2011 and 2014, and further increases in volume are anticipated in 2015, up about 14% in 2015 over 2014.


Ø Must have worked in automotive ancillary unit in production department.
Ø Candidates who have gasket manufacturing experience will be preferred.
Ø Good knowledge of manufacturing processes & tools .
Ø Must have good man management skills.
Ø Exposure to TS 16949 & other quality systems will be an added advantage.
They are the manufacturer of gaskets and gasketing raw materials for all varieties for Industrial and Automotive applications.


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Square – japońska firma komputerowa produkująca i wydająca gry komputerowe oraz konsolowe, powstała w 1986 roku. Swoją największą popularność uzyskała dzięki serii Final Fantasy, jednej z największych pod względem sprzedaży gier jRPG na świecie.

Firma była błędnie nazywana Squaresoft – "Squaresoft" było znakiem zastrzeżonym wykorzystywanym na produktach firmy, oznaczających oprogramowanie stworzone lub wydane przez Square Co., Ltd.

Square jest najlepiej znane dzięki takim tytułom jak seria Final Fantasy, Chrono Trigger, Secret of Mana, Xenogears, Super Mario RPG: Legend of the Seven Stars, Vagrant Story i Kingdom Hearts (we współpracy z Disney Interactive). Square Pictures, spółka firmy odpowiedzialna za produkcję generowanych komputerowo filmów, stworzyło w 2002 roku film pełnometrażowy Final Fantasy: The Spirits Within, a także krótki film Ostatni lot Ozyrysa zamieszczony jako część filmu Animatrix.

W 2002 roku zapadła decyzja, aby Square połączyło się z japońską firmą Enix, producentem gry konsolowej Dragon Quest, która cieszyła się dużą popularnością w Japonii. 1 kwietnia 2003 roku obie firmy połączyły się i są obecnie znane pod nazwą Square Enix.

Przypisy

Linki zewnętrzne
 Oficjalna strona Square-Enix

Final Fantasy
Japońscy producenci gier komputerowych
Japońscy wydawcy gier komputerowych
Przedsiębiorstwa w Meguro (Tokio)


We made our annual trip to the mall to visit Santa and it went so well! I mean, look at that smile! She definitely had her reservations at first, but with a little carousel ride bribe and a little push from Mom, I got her on Santa's lap and got an adorable smile. By then she warmed up and happily talked to Santa, telling him that she wants an Anna dress for Christmas (I think "Santa" may have already gotten it too ;) I am so excited to see her really enjoy the magic of Christmas this year!


text:
' The word Zen is the Japanese equivalent of the Chinese ch'an, which is evolved from the Sanskrit dhyana – usually translated as "meditation". But it does not mean "meditation" as the word is usually translated in the West. It is less a contemplative exercise undertaken in solitude than a constant attitude of mind. It places no reliance on scriptural authority, on rights and ceremonies and it had no dogmas or orthodox body of doctrines. Strictly speaking it has no teachings as we understand them; it is a practice rather than a theory' Thus Alan Watts, in an article written in 1937 called "what is Zen?" If Zen could be expressed in a nutshell, then these words would surely do it. As an introductory synopsis, they convey much of the essence of Zen Buddhism, including that it is best understood as a "way", a discipline of life, rather than a philosophy, faith or religion.
Of course, Zen has its sutras and scripts, its stories and Koans and it has inspired beautiful works of art and calligraphy, but at its heart it is about how to live without desire or regret and in a way that touches the Earth lightly. It is an irony that, at a time when its precepts could offer a profound alternative ethos, the word Zen is so frequently abused in the West, being attached to all manner of things that couldn't be more remote from Zen culture and some of its tenets are so glibly quoted, when what it represents is in direct opposition to the material consumerism that has today virtually swamped all other life guides, save the most extreme.
I cannot claim any authority on the subject of Zen, nor any depth of practice in Zen meditation myself, but I have been endlessly fascinated by Zen culture and philosophy and I'm deeply respectful of its true practitioners and their works. I find some enlightenment in such works as the Mumonkan (Gateless Gate) and the Hekiganroku. These collections of Koans, enigmatic and paradoxical riddles and stories, can provide insights into the human condition and our state of being that have proved so elusive to Western philosophers.
In the pages that follow, I hope to assemble some valuable messages and experiences that may resonate with those already familiar with Zen practice, but may be of much more value to those who are not yet familiar with Zen, encouraging them to look further. I do hope so!
Some quotations & extracts:


HERE'S THE GROW-MICRO-BLOOM BASE NUTRIENT BREAKTHROUGH YOU'VE BEEN WAITING FOR!
THE ANSWER IS ADVANCED NUTRIENTS' JUNGLE JUICE!
JUNGLE JUICE MICRO: provides the Nitrogen, Phosphorous, Potassium, and secondary minerals necessary for the types of plants we grow to THRIVE during the all-important vegetative phase.


There is another option to the standard care of medicine!
I know this may sound strange or radical in America today because we have been trained to think in terms of the two options – continue the symptom or take pharmaceutical drugs. But the following statistics indicate just how much our diet and lifestyle are affecting our heath.
I believe that by any measuring stick, we must, at the very least, start to question the "one symptom, one drug" paradigm. Here at Exodus – New Beginnings, we have seen for ourselves the failure of that paradigm.
Chelation (pronounced key-LAY-shun) comes from a greek word that means "claw".Chelation is a chemical process in which a substance is used to bind molecules, such as metals or minerals, and hold them tightly so that they can be removed from the body. Chelation has been used to rid the body of excess or toxic metals. It has some uses in conventional medicine, such as heart failure.
Live Oxygen is healing without drugs or chemicals and without surgery or invasive techniques. Hyper-oxygenation gets oxygen into the cells of body parts which already have turned to fermentation for their energy needs. Live Oxygen starts a healing and restorative process where normally there would be none.
Our long term goal for every patient is for them to become symptom and disease-free, be able to eliminate all prescription medicines, and achieve their idea weight. We believe in addressing the root causes of your health challenges.
Intravenous (IV) nutrition is a method of feeding vitamins, minerals and other natural substances into a patient's bloodstream. Bypassing the digestive system is the main advantage of IV Nutrition. These treatments aid in conditions like acute vial illness (flu, etc.), asthma and high blood pressure.
Most frequent questions and answers for Mindee Flippin, M.D.
For several years I have not been satisfied with the long-term health of my patients. People just kept getting sicker and sicker without getting well. I felt there had to be a better way of treating them. I wanted them to have a better quality of life. After a lot prayer, I spent several months training and learning integrative or functional medicine. I can now seek for the root cause of a medical problem and cure it instead of just treating symptoms with band aids.
No we do not. There are several reasons for that. When we were required to implement EMRs (Electronical Medical Records), we were told it would save us time. As most physicians have realized, they are much more burdensome. With all of the new insurance regulations, we have to spend more time filling out forms than we ever did before. Also, as the regulations have increased, the amount of money the insurance companies pay out has decreased. It has become a numbers game to keep our practice open. In accepting cash only (credit cards, checks, cash, etc.) I can now make my own standards as far as how much time I can spend with the patient. Also, as long as I take insurance, they can have some say in how our practice is run – what questions we have to ask, how long we can take, what we can charge, etc. Now, we no longer have that burden.
Integrative or functional medicine is a new and rapidly growing area of medicine that seeks to approach sickness and disease from a different viewpoint than a traditional "one symptom, one drug" paradigm. I call this new model the "do what's best for the patient" model. In integrative medicine, the physician expands beyond the narrow drug/surgery approach taught in western medical schools, utilizing various treatment modalities that have been proven effective. Its goal is to address the root cause of sicknesses and diseases, rather than manage symptoms.
I tell my patients that I never want them to take ANYTHING a doctor recommends without knowing the reason behind it. That's why I try to educate you in new dietary habits. The truth is, the diet that most people are already on, the Standard American Diet (S.A.D.), is one of the deadliest diets mankind has ever known. It is causing more cancer, diabetes, strokes, heart attacks (and just about every other degenerative disease) than any other diet known to man. We will teach you the WHY behind the need for dietary changes and then it will be your choice whether to continue eating dead, disease-causing "food-like substances" or more real food that God made for the building and maintenance of the body. We will also teach you what health-building substances your body requires in order to function optimally and how to get these nutrients in as natural a form as possible, first through diet, and then through carefully selected supplements as needed. In an ideal world, supplementation would be unnecessary, but because of modern farming techniques, mineral depletion of the soil, contemporary cooking techniques, and other factors, virtually everyone needs some targeted nutritional supplementation.
DO YOU DO IV THERAPY?
Yes, we have several kinds of supportive nutritional intravenous(IV) therapies. We love our IV therapy because we bypass the gut and put the nutrients directly into your bloodstream. Our iv therapies compliment other strategies in dealing with various health issues. During your consultation with me, we will both come up with a game plan on which IV therapies are needed.


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