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EFG, GB Capital close Tokio Marine Egypt Family Takaful acquisition
Egypt's reliance on tourism weighs on economic vulnerability – EIB. (Speed Round)
EFG Hermes, GB Capital close acquisition of majority stake in Tokio Marine's Egypt arm. (Speed Round)
Auto sales rebound in July. (Speed Round)
Raya's BariQ receives FRA approval for a EUR 40 mn green bond offering. (Speed Round)
Hutchison Ports signs USD 730 mn agreement with navy to construct Abu Qir container terminal. (Speed Round)
DigiFi Network raises pre-seed funding from Toronto based Loyal VC. (Speed Round)
The private sector is haggling for a piece of the new futures exchange. (Speed Round)
Egypt will deploy army if necessary to handle building code violators -El Sisi. (Speed Round)
US threatens to withhold aid to Ethiopia after GERD talks end without agreement. (Speed Round)
The Market Yesterday
What We're Tracking Today
Good morning, friends — can you believe it is almost September? Our favourite month of the year gets underway on Tuesday. Among the highlights to which you can look forward this coming month:
Mandatory covid testing: All arrivals to Egypt (citizens, tourists and residents alike) need to produce a negative RT-PCR test for covid-19 starting Tuesday, 1 September.
Museum and archaeological sites are set to reopen nationwide on Tuesday;
New school year: Look for a gov't announcement on the shape of the new school year sometime in the first week of September;
PMI figures for August will land on Thursday, 3 September;
Foreign reserves figures should be out early next week;
Runoff elections for Senate seats are scheduled for 8-9 September. Look for final results on the 16th.
Inflation data for August should be out on or around Thursday, 10 September;
Interest rates next come up for review at the CBE on Thursday, 24 September.
The Union National Bank (UNB) in Egypt rebadges as Abu Dhabi Commercial Bank today four months after UNB's parent company in the UAE merged with ADCB and Sharia-compliant lender Al Hilal Bank in April to create one of the Emirates' largest commercial lenders.
SIGN OF THE TIMES- US stocks are headed for their best August since 1986, the Financial Times reports, but a sharp upticks in layoffs suggest companies around the world still face "years of pandemic-related disruptions" and "herald economic pain ahead," the Wall Street Journal and Bloomberg note.
Egypt's covid-19 infection rate is still above 200: The Health Ministry reported 237 new cases of covid-19 on Thursday, the highest daily tally in almost a month. The single-day toll fell back to 212 yesterday from 223 on Friday. Cases are up from a low of 89 a week ago today. Egypt has now disclosed 98,497 confirmed cases of covid-19. The ministry also reported 14 new deaths, bringing the country's total death toll to 5,376. We now have a total of 71,302 confirmed cases that have fully recovered.
Transportation services for tourists will resume starting 1 September, under new guidelines issued by the Tourism Ministry on Friday. Larger buses will be allowed to operate at 50% capacity while smaller cars are capped at two passengers at any given time. Drivers and passengers will be required to wear face masks during trips. This comes as authorities prepare to reopen archaeological sites and museums to tourists on 1 September.
VACCINE WATCH- A Chinese vaccine could be destined for Egypt: A covid-19 vaccine being developed in China could be made available in Egypt within four months if it proves effective, according to statements by a Health Ministry spokesperson cited by Masrawy. The Health Ministry said last week that the two countries will sign next month an agreement to start working together on a covid-19 vaccine. Egyptian scientists are in the third stage of clinical trials on a homegrown covid-19 vaccine, and the ministry has simultaneously contacted six international manufacturers to get its hands on an internationally developed vaccine as soon as possible. Russia could also potentially manufacture its Sputnik V vaccine here in Egypt.
EgyptAir is now operating at 45% of its pre-covid capacity for the first time since the country resumed international flights on 1 July, Al Shorouk reports.
The carrier is also offering discounts on tickets to select European destinations booked before 15 September, Al Mal reports.
Delivery Hero to purchase InstaShop for USD 270 mn as it eyes MENA expansion: German takeout delivery service Delivery Hero is reportedly buying Dubai-based online grocery marketplace InstaShop for some USD 270 mn as delivery services and stay at home dining soars under covid-19, Reuters reports. InstaShop operates in Egypt, the UAE, Qatar, Bahrain, and Lebanon.
The UAE has formally dropped its boycott of Israel, in the latest concrete sign that the normalization agreement signed between the two countries is swiftly moving forward, the UAE's state news agency WAM reports. Also this weekend, Israel listed the first ever commercial flight to UAE on Friday, with the El Al plane set to land in Abu Dhabi on Monday, according to the Associated Press. In the latest show of the budding bromance, the Israel Airports Authority numbered the flight LY971, a nod to the UAE's international calling code number, while the return flight to Tel Aviv on Tuesday will be numbered LY972, Israel's international calling code, writes Bloomberg.
Japan's Prime Minister Shinzo Abe, 65, stepped down on Friday citing health reasons, writes the New York Times. The nationalist leader announced his resignation just four days after setting the record for the longest serving prime minister.
The end of Abenomics? Abe's self-titled economic program ramped up state investment, eased monetary policy and cut regulations in a bid to haul the Japanese economy out of years of stagflation. The reform program saw Japan's economy experience its longest run of post-World War II growth, unemployment fall to a 25-year low and the country's main stock index double in value, according to The Wall Street Journal.
Correction (30/08/2020): A previous version of this article incorrectly stated that as of 1 September inbound travellers to Egyptian airports have to possess PCR test results taken no earlier than 48 hours before arrival.
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Enterprise+: Last Night's Talk Shows
Ahmed Moussa effectively had the airwaves to himself last night, with the other talking heads delivering little of note.
Some students will find out today what they'll study this fall: Ala Mas'ouleety's Ahmed Moussa spoke with Higher Education Minister Khaled Abdel El Ghaffar, who said that the first bunch of university admissions will be announced today. The ministry is announcing university placements over several phases rather than all at once. Abdel El Ghaffar said that around 30% of science students achieved a score of over 95% in their exams, which has resulted in a large volume of applications to the faculties of physiotherapy, dentistry, pharmacy, medicine, and engineering (watch, runtime: 3:31), (watch, runtime: 2:43).
No quarter for building violators: Moussa also spoke with Local Development Ministry spokesperson Khaled Qassem, who said that the government will act decisively against people who build illegally on government land. Qassem said that the ministry had reclaimed 3.8 mn square meters and 7,114 feddans of state property, and they addressed 3,885 violations cases on the agricultural lands (watch, runtime: 9:45). President Abdel Fattah El Sisi yesterday threatened to deploy the military to crack down on violators during a speech at the inauguration of several national projects in Alexandria. We have more in this morning's Speed Round, below.
Expansion of natural gas grid: Moussa spoke with the prime minister's media advisor, Hani Younes, who said that the number of citizens who received natural gas to their homes rose by 5 mn people in the period spanning 2014 to 2020. Younes added that the government has spent EGP 6 bn on developing Nasser City west of Assiut (watch, runtime: 8:32).
Speed Round
Egypt's economy faces "intermediate risk" from covid because of its reliance on tourism, the European Investment Bank (EIB) said in its Economic Vulnerability Index report (pdf). That places us among the 63% of all middle-income countries who face that level of risk. "The pandemic and restrictions on the movement of people have all but wiped out tourism … and a global recession is expected to diminish tourist revenues long after restrictions are removed," says the report, which assesses countries outside the EU. Morocco and Tunisia also face similar threat levels, with the general rule being that countries highly reliant on tourism are facing more "elevated risks."
This comes as tourism stages a modest comeback of late: As of last week 126k tourists had visited the country since inbound tourism resumed on 1 July and both charter and scheduled flights are back.
But we're still facing challenges — TUI cancels Egypt holidays: TUI on Friday cancelled all charter flights that were scheduled to depart to Egypt on or before 13 September.
A drop in remittances, another key source of foreign currency, also heightens Egypt's economic vulnerability as the country is "reliant on this form of revenue," says the EIB.
Other risk factors: Egypt's "health system and demography" and the capacity of its banking sector were judged by EIB to be highly vulnerable to the covid-19 fallout.
M&A WATCH- EFG Hermes and GB Capital have closed their acquisition of 75% of Tokio Marine Egypt Family Takaful, the two companies said in a press release (pdf). The EGP 84.75 mn transaction gives each of EFG Finance and GB Capital a 37.5% stake in the life insurance company. Tokio Marine Egypt's Japan-based parent company will retain the remaining 25%.
The company will be rebranded within the coming months, with Sohail Ali as its newly appointed CEO. "With over two decades of insurance experience across multiple markets, Ali will lead the company to establish a comprehensive suite of innovative insurance products and services," the statement said.
EFG's strategy to expand its NBFS business: "In four years, we were able to not only grow our traditional lines of business, but also introduced leasing, microfinance, consumer finance, fintech, factoring, digital payments, mortgage and insurance," EFG CEO Karim Awad said. The region's leading investment bank plans to see non-banking financial services accounting for 50% of its profits by the end of 2021. Non-bank services accounted for 25% of revenues in 2019.
For GB Auto, "the move aligns perfectly with our vision for the future … which sees our NBFI business expanding as we diversify our portfolio of offerings," said CEO and Chairman Raouf Ghabbour. Both EFG and GB Auto are also partners on Bedaya, a mortgage finance company between GB Capital, EFG and Talaat Moustafa Group expected to launch soon.
Advisors: Local law firm Al Tamimi and Company and US-based White & Case acted as legal advisors on the transaction, sources told us.
In other EFG news, the investment bank is planning to expand its business in Nigeria to include trading fixed-income securities, Ali Khalpey, who leads EFG Hermes in frontier emerging markets, was quoted as saying by Bloomberg. The firm has two IPOs in the pipeline for execution next year, both of which will be in the financial services sector, and one in Nigeria, said Khalpey, without going into details.
Auto sales rebound in July: Auto sales showed signs of recovery in July from a downturn in the second quarter caused by the covid-19 pandemic, according to industry data released yesterday. Figures released by the Automotive Marketing Information Council (AMIC) showed sales rising 14.4% y-o-y in July to reach 18.3k vehicles, compared to 16k vehicles last year. Sales volume fell by as much as 26% during the government's partial lockdown of the economy, which caused dealerships to close and consumer demand to fall.
In detail: The rise was driven mainly by bus sales, which increased 58.9% to 2.4k vehicles, compared to 1.5k vehicles sold last July. Trucks sales rose 15% to 3.3k vehicles, compared to 2.9k last year. Sales of passenger cars jumped around 8% to 12.5k vehicles, compared to 11.5k sold in July 2019.
DEBT WATCH- BariQ, Raya's recycling unit, receives FRA approval for a EUR 40 mn green bond offering: The Financial Regulatory Authority (FRA) has greenlit Raya Holdings' subsidiary BariQ's EUR 40 mn green bond issuance, unnamed sources told Al Mal. The company plans to take the green bonds to market by early 2021 to finance the expansion of its recycled plastic food packaging operations. The offering is expected to "garner support" from some of the leading multilateral finance institutions, said the sources, who didn't elaborate on what form this support will take.
Advisors: BariQ has reportedly tapped Misr Capital as financial advisor for the issuance and Zaki Hashem & Partners as legal counsel.
2020-21 is the year of green bonds in Egypt: CIB is on track to issue Egypt's first green bonds, working alongside the International Finance Corporation (IFC) to finalize the issuance through a private placement this quarter, Heba Abdellatif, head of debt capital markets at CIB, told Enterprise in June. The government, meanwhile, has been working to issue up to USD 500 mn worth of green bonds in FY2020-2021, Assistant Finance Minister for Debt Khaled Abdel Rahman told Enterprise. This small issuance would mainly serve to test the markets' appetite and gauge investors demand and the interest rates they would be seeking.
INVESTMENT WATCH- Hutchison Ports has signed a USD 730 mn agreement with the Egyptian Navy to build and operate a container terminal in Abu Qir naval base in Alexandria, according to a Hutchison statement. The terminal will be financed primarily by a joint venture between Hong Kong-based Hutchison and the Egyptian Navy; it will be capable of handling mega vessels and have a maximum capacity of 2 mn twenty-foot equivalent units (TEU) with a 60 hectare terminal yard once the project is complete. Connection through a new two-way highway that will link the terminal to Alexandria and Cairo is also expected upon completion of the project.
Construction on the first phase of the terminal will begin in 2022 and a long term concession period of 38 years has been set for the project. The Navy and Hutchison had first signed an MoU on the terminal last year which at the time had suggested that Hutchison would train more than 1.5k Egyptian engineers and workers to run the port and that it would intake some 1 mn containers each year after the project is completed.
Advisors: Eldib Advocates acted as legal advisors for the Egyptian Navy and Baker McKenzie provided legal advice for Hutchison Ports.
STARTUP WATCH- DigiFi Network raises pre-seed funding from Toronto based Loyal VC: Egyptian data-for-Wifi startup DigiFi Network has raised an undisclosed amount of pre-seed funding from Canadian venture capital firm Loyal VC to expand its operations and user interface, Disrupt Africa reports. The startup enables users to offer personal data from social media accounts to businesses in exchange for free Wifi access at their premises. DigiFi was founded by Ahmed Nassef and Mohamed Maher in 2019 after going through the Founder Institute accelerator program. The duo are reportedly looking to create a regional data hub for targeted digital advertising campaigns with the most recent round of funding.
The private sector will get a piece of the new futures exchange even as gov't agencies scramble for their share: Last Tuesday's meeting called by the Financial Regulatory Authority (FRA) saw the EGX, CBE, and Misr for Clearing, Depository and Registry (MCDR) vie for ownership of the futures exchange, sources told Hapi Journal. But amid the haggling, one thing remained constant: no matter which way you cut it, partial private sector ownership of the exchange will be a reality. Three main ownership plans have been put on the table:
Scenario #1: The CBE, MCDR, and the EGX may hold a majority stake of 51% and they would discuss amongst themselves who takes what. The remaining 49% would be distributed among private banks, insurance companies, and funds who would each seek their own share in a private placement. A cap on private ownership of individual entities may be introduced in this scenario.
Scenario #2: 70-80% of the exchange could be owned by the private sector, while the CBE and EGX could own 20-30% minority stake.
Scenario #3: Expand the ownership structure significantly to distribute the stakes in equal parts of 2-3% to each of the public and private sector parties involved.
The government will roll out a "comprehensive system" to support seasonal and day laborers by the end of the year or early 2021, Manpower Minister Mohamed Saafan said, according to a cabinet statement. It's still unclear what this new system will look like or how long it will run for. The statement, however, hints that the new program could involve some form of welfare payouts, mentioning that authorities have since April disbursed EGP 2.4 bn pf covid-19 financial assistance to some 1.6 mn individuals who don't have stable jobs. Seasonal workers were each given EGP 1500 over three installments. Saafan said. International Cooperation Minister Rania Al Mashat previously said that the government is working to support 1.5 mn seasonal workers it had identified as vulnerable to the economic fallout from covid-19 to help integrate them within the formal economy.
The Planning Ministry likes what the int'l Egypt-watchers have to say on the EGP, foreign reserves: The Planning Ministry is out with a summary (pdf) of international opinion on the trajectory of the EGP and foreign reserves in the months and years ahead as the economy begins to recover from the covid-19 shock. Despite foreign investors dumping more than half their holdings of EGP bonds amid a record-breaking EM sell-off in March and April, the EGP held up well through the height of the financial panic, losing just 3% of its value between March and June. Reserves took an almost USD 10 bn hit, falling from USD 45.5 bn in Febuary to USD 36 bn in May.
An EGP rebound: Both Capital Economics and the Economist have forecast increased currency stability going forward. Capital Economics notes that the EGP has risen 2% against the greenback since July while the Economist is projecting the currency to rise 6.4% against the USD to EGP 15.74 by 2024. Fitch, meanwhile, said that the EGP has been one of the best performing EM currencies and expects it to remain stable until through the rest of 2020.
But it's going to take a while for foreign reserves to recover: The IMF is projecting foreign reserves to slowly recover this year, rising to USD 40.1 bn by the end of the current fiscal year, and reaching USD 51 bn by the middle of the decade. The Economist sees the buildup of reserves accelerating in the beginning of 2022 after the tourism, export and services sectors fully recover from the pandemic.
Egypt will deploy army if necessary to handle wildcat builders -El Sisi: President Abdel Fattah El Sisi threatened to use the army to crack down on those who build without permits or flagrantly violate construction codes, Youm7 reports, carrying a video clip of the statement (watch, runtime 27:11). "I will never allow that we give our country [away] this way and waste it," El Sisi said. "If it becomes necessary I will deploy the army to all of Egypt's villages to enforce the law." The president made the remarks on the sidelines of an inauguration for several national projects in Alexandria
Foreign press coverage: The National took note of the story, stressing how much the issue appeared to irk the president. It highlighted that El Sisi was "visibly angry" and spoke with a "raised voice, stating that the matter was no less serious than terrorism, or the threat to Nile waters posed by the Grand Ethiopian Renaissance Dam. "I have enough engineering machinery to obliterate and remove [illegal buildings] and if people don't like that, then they can have a referendum [on his leadership] and I just leave," it quoted the president as saying.
Background: The government has extended until 15 September a deadline to demonstrate "seriousness" for applicants looking to settle building code violations in an effort to tackle the long-standing issue. The fees would be submitted alongside settlement applications, and deducted from the overall charges if the applications are accepted. Demolition procedures would commence right away for rejected applications.
US may withhold aid to Ethiopia as no progress seems to be made on GERD: US Secretary of State Mike Pompeo has reportedly signed off on plans to cut some USD 130 mn-worth of assistance programs to Ethiopia to pressure the country to reach an agreement with Egypt and Sudan in the Grand Ethiopian Renaissance Dam (GERD), Foreign Policy reported. The move could see a suspension of funding for security, counter-terrorism, and anti-human trafficking, but not aid for humanitarian relief, food, and health, FP said, citing officials and congressional aides familiar with the matter. Bloomberg also had the story.
Friday's talks failed: News of the potential cut to US aid came after the three countries' irrigation ministers failed to see eye-to-eye at talks on Friday, an Irrigation Ministry statement. The breakdown prompted Sudan to warn that talks in their current format are unlikely to produce an agreement, the Sudanese News Agency reports.
Greece signs off on maritime demarcation pact with Egypt: The Greek parliament ratified on Thursday the maritime border demarcation agreement the country signed with Egypt earlier this month, Greek City Times reports. The ratification, which follows a sign-off by Egypt's House of Representatives, came hours after Turkey extended its oil and gas search in the contested waters and announced it will be holding navy drills for two weeks in an area northeast of Cyprus.
Greece is also holding navy drills of its own in the eastern Mediterranean alongside Cyprus, Italy, and France, who have increasingly been at odds with Turkey's unilateral activities in the area.
The EU could discuss sanctions on Turkey at its next summit on 24 September should efforts to reach a diplomatic solution fail. Measures aimed at containing Turkey's ability to search for natural gas in contested waters could be under discussion, including a possible decision to restrict Turkish companies' and individuals' access to European ports and supplies, reports Reuters. The country's aggressive push for a share of resources in the gas-rich region has led to a diplomatic spat with the EU, with the bloc backing member states Greece and Cyprus.
The foreign press has widely taken note of the ratification: Reuters | Bloomberg | the Wall Street Journal. The maritime accord, along with a decision last week by Greece to expand territorial waters further west into the Ionian sea, is a message to Ankara that Greece has the right to extend "its territorial waters … when it decides to," suggest the WSJ piece.
MOVES- Hassan Abdel Shafi Ahmed is the new chief of the Administrative Control Authority (ACA), effective on 30 August, Youm7 reports, citing the spokesman for the presidency, Bassem Rady.
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Egypt in the News
Leading the conversation on Egypt this morning: The arrest of the acting leader of the Muslim Brotherhood, Mahmoud Ezzat, during a raid his hideout in Fifth Settlement. The 76-year-old Ezzat has been on the run for the past seven years and was sentenced death in absentia on terrorism charges. He now faces a mandatory retrial. Picking up the story: The Associated Press | Reuters | New York Times | Arab News. Meanwhile, HRW and the Carnegie Endowment for International Peace are condemning rights activist Bahey Eldin Hassan's sentencing to 15 years in prison.
From the Culture Desk: AFP takes a look at the plight of Egyptian cinema through the pandemic while Haaretz puts Egypt's 'refusal' to normalize cultural ties with Israel in the spotlight.
Diplomacy + Foreign Trade
GERD and Turkey dominate news on the diplomacy and foreign trade fronts after an eventful weekend. In other news:
New opportunities for citrus exporters, petchem players? Some 600 products will be fully exempt from custom duties starting 1 September under a trade agreement with the four South American Mercosur countries, the Trade and Industry Ministry said. The products include cement, natural gas, citrus fruits, and other petroleum-based products including butane, propane, nitrogen, and glues.
Egypt and Denmark have inked a clean energy agreement: The electricity and international cooperation ministries have signed an agreement with the Danish Ministry of Climate Energy and Utilities to facilitate Egypt's transition toward clean and renewable energy, a cabinet statement said on Saturday. The agreement aims to boost commercial ties and facilitate knowledge exchange through technical and in-kind assistance. The statement did not provide additional details on projects or timeframe.
EBRD could contribute USD 54 mn to 200 MW Kom Ombo solar plant
The European Bank for Reconstruction and Development (EBRD) said that it is considering providing Acwa Power with USD 54 mn to help build and develop a 200 MW solar power plant in Kom Ombo, according to a statement on Friday. The loan would comprise USD 40 mn in senior debt financing and an equity bridge loan of USD 14 mn. The loan is slated for approval on 30 September. The project would be one of the largest privately-developed solar plant projects in Egypt.
NREA signs 50 MW Zafarana solar plant agreement with Belectric
The New and Renewable Energy Authority (NREA) has signed an agreement with Belectric to construct a 50 MW solar power plant in Zafarana, NREA head Mohamed El Khayyat told the local press. The project will be funded by the German Development Bank (KfW) but details on the total cost of the facility remained unspecified. The Zafarana plant is expected to generate 90 mn KWh of electricity annually.
National projects inaugurated in Alexandria
The Bashayer El Kheir 2 housing project, the new Borg El Arab sewage treatment facility, the Mahmoudia highway development project and a number of oil and gas projects have been completed in Alexandria, President Abdel Fattah El Sisi said yesterday at the inauguration ceremony, according to a statement by Ittihadiya spokesperson Bassam Rady.
Basic Materials + Commodities
Egypt targets 15.6 tonnes of gold production in FY2020-2021
Egypt is targeting the production of 15.6 tonnes of gold in the current fiscal year, the local press reports, citing unnamed government sources.
Health + Education
Egyptian Drug Authority to grant incentives to pharma companies for export-bound contract manufacturing
The Egyptian Drug Authority is looking to provide a set of incentives to contract manufacturing for export markets, said Egyptian Drug Authority spokesperson Aly El Ghamrawy according to a cabinet statement. The authority is planning to set a temporary approval mechanism for contract manufacturing that bypasses the requirement for local manufacturers to register products with the authority for domestic sale.
Real Estate + Housing
Hyper One inaugurates EGP 650 mn new branch on Cairo-Alex road
Hyper One supermarket has opened a new 50k sqm location in New Sphinx City on the Cairo-Alexandria desert road, Mohamed El-Hawari, chairman of the retail chain group, told Hapi Journal. Construction cost the company some EGP 650 mn.
Telecoms + ICT
ICT Ministry launches beta version of its digitized government services portal
The ICT Ministry launched on Thursday the beta version of its digitized government services portal, according to a ministry statement. The new online platform (digital.gov.eg) allows users to create a personal account by registering a national ID and mobile phone number that would enable access to 70 government services including driver's license renewal, subsidy card access, official document requests and notary services. The platform will also be accepting service payments through e-payment companies on the new platform and a mobile application will be launched in the coming weeks before the full launch of the digitized platform will be made available by the end of the year.
CIB, MNHD sign EGP 1.1 bn syndicated loan agreement
Our friends at CIB will be leading a consortium to arrange a EGP 1.1 bn syndicated loan for Madinet Nasr Housing and Development (MNHD), MNHD said in a regulatory filing. The Arab Investment Bank, the Egyptian Gulf Bank, and the Union National Bank are also participating in the seven-year facility. The loan's proceeds will help MNHD push forward with plans to invest EGP 12 bn over the next three years in its Sarai and Taj City compounds.
Egypt Politics + Economics
Court upholds one-year jail term for Hisham Geneina
The New Cairo Misdemeanor Court upheld on Thursday a suspended one-year prison sentence for former head of the Central Auditing Organisation (CAO), Hisham Geneina, and fined him EGP 20k on charges of spreading false information, Al Masry Al Youm reports. Charges against Geniena were brought to court in 2016 after he had alleged government corruption had cost taxpayers some EGP 600 bn between 2012 and 2015. Geneina is currently serving a separate five-year sentence handed to him in 2018 by a military court on charges of spreading false news related to the armed forces and domestic affairs.
Three suspects in 2014 Fairmont hotel case arrested in Lebanon
Lebanon has arrested three suspects allegedly involved in the [redacted] assault of an 18-year-old woman at the Fairmont hotel in Cairo in 2014, according to a statement by the country's Internal Security Forces. Five of the suspects arrived in Lebanon, but the other two left the country, it added. Seven suspects in the case fled Egypt last month, while another two were detained in Cairo.
On Your Way Out
Black Panther star Chad Boseman died of colon cancer on Friday at age 43 after choosing to keep his four-year battle with the disease out of the press while filming the beloved Marvel movie and bringing King T'Challa to life, according to the Associated Press. Black Panther was celebrated for marking a milestone in cinema with a predominantly black cast and an African American director while Boseman was always vocal about race issues in the industry during his acting career.
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EGP / USD CBE market average: Buy 15.81 | Sell 15.91
EGP / USD at CIB: Buy 15.82 | Sell 15.92
EGP / USD at NBE: Buy 15.83 | Sell 15.93
EGX30 (Thursday): 11,462 (+0.1%)
Turnover: EGP 1.5 bn (40% above the 90-day average)
EGX 30 year-to-date: -17.9%
THE MARKET ON THURSDAY: The EGX30 ended Thursday's session up 0.1%. CIB, the index's heaviest constituent, ended up 0.1%. EGX30's top performing constituents were Edita up 8.2%, Dice up 3.8%, and Sidi Kerir Petrochemicals up 3.1%. Thursday's worst performing stocks were Egyptian Iron and Steel down 2.95%, Orascom Development Egypt down 2.55%, and Juhayna down 2.0%. The market turnover was EGP 1.5 bn, and regional investors were the sole net buyers.
Foreigners: Net short | EGP -5.5 mn
Regional: Net long | EGP +9.6 mn
Domestic: Net short | EGP -4.2 mn
Retail: 78.5% of total trades | 80.0% of buyers | 77.0% of sellers
Institutions: 21.5% of total trades | 20.0% of buyers | 23.0% of sellers
WTI: USD 42.97 (-0.16%)
Brent: USD 45.81 (+0.46%)
Natural Gas (Nymex, futures prices) USD 2.66 MMBtu, (-1.96%, October 2020 contract)
Gold: USD 1,974.90 / troy ounce (+2.19%)
TASI: 7,934 (-0.26%) (YTD: -5.42%)
ADX: 4,535 (+0.12%) (YTD: -10.65%)
DFM: 2,269 (-0.86%) (YTD: -17.92%)
KSE Premier Market: 5,853 (+0.42%)
QE: 9,882 (-0.16%) (YTD: -5.20%)
MSM: 3,737 (-0.28%) (YTD: -6.12%)
BB: 1,380 (+0.57%) (YTD: -14.24%)
26-27 August (Wednesday- Thursday) "Tutankhamun … Treasures of the Golden Pharaoh" exhibition will arrive back in Egypt from it's latest tour stop in London
28 August (Friday): Friday prayers at all major mosques will resume with safety measures in place.
28 August (Friday): Tripartite technical committee on GERD will complete technical report and submit it to the African Union for discussion.
31 August (Monday): The first ever commercial flight between Israel and UAE to land in Abu Dhabi
September: The Egyptian Federation for Securities will hold elections for its board of directors after they were postponed in March due to the lockdown.
1 September (Tuesday): Tourist activities will resume in Luxor and Aswan.
1 September (Tuesday): All travelers to Egypt — including citizens, long-term residents and tourists — must show PCR tests.
1-7 September (Tuesday-Tuesday): Possible announcement from the Education Ministry on what the new academic year will look like,
September (date TBD): The General Authority for Investment (GAFI) will host a virtual meeting with the Arab-German Chamber of Commerce and Industry and some 120 German companies to discuss investment prospects in Egypt.
8 September (Tuesday) Online Egyptian-Bahraini Businessmen Association meeting to discuss mutual trade and investment opportunities.
8-9 September (Tuesday-Wednesday): Run-off Senate elections.
9 September-25 October: KLM to run passenger flights to Cairo for the first time since 2017.
12 September (Saturday): Court session for Egyptian Resorts Company lawsuit against the Tourism Development Authority
14-15 September (Monday-Tuesday) The Chemical Industries Export Council will organize a virtual conference to discuss export options for Egyptian chemical exporters in Kenya and Uganda
15 September (Tuesday): 2019-2020 academic year ends for Egyptian universities.
15-16 September (Tuesday-Wednesday): US Federal Open Market Committee will hold its two-day policy meeting to review the interest rate.
16 September (Wednesday): The last day for the final results of the senate elections to be announced.
20 September (Sunday): A Cairo administrative court is due to issue a ruling in a third-party lawsuit demanding the government block YouTube in Egypt for carrying an allegedly sacreligious video. The case is an infamous 2012-vintage lawsuit still wending its way through the courts.
24 September (Thursday): The CBE's Monetary Policy Committee will meet to review interest rates.
24 September (Thursday): The European Union will discuss imposing sanctions on Turkey to limit the country's ability to expand its search for oil and gas in contested eastern Mediterranean waters.
Late October or November: Voters head to the polls to elect a new House of Representatives. Election dates still TBD.
1 October (Thursday): House of Representatives reconvenes for its sixth and final legislative session before elections for the house later in October or November.
4 October (Sunday): Senate convenes for its first session.
6 October (Tuesday): Armed Forces Day.
8 October (Thursday): National holiday in observance of Armed Forces Day.
17 October (Saturday): 2020-2021 academic year begins for K-12 students at state schools and students in public universities
23-31 October (Friday-Saturday): El Gouna Film Festival, El Gouna, Egypt.
29 October (Thursday): Prophet Mohamed's birthday (TBC), national holiday.
November: Egypt will host simultaneously the International Capital Market Association's emerging market, and Africa and Middle East meetings.
4-5 November (Tuesday-Wednesday): US Federal Open Market Committee will hold its two-day policy meeting to review the interest rate.
4-7 November (Wednesday-Saturday): Cityscape Egypt Expo, International Exhibition Center, Cairo
12 November (Thursday): The CBE's Monetary Policy Committee will meet to review interest rates.
1 December (Tuesday): The IMF will conduct a first review of targets set under the USD 5.2 bn standby loan approved in June (proposed date).
15-16 December (Tuesday-Wednesday): US Federal Open Market Committee will hold its two-day policy meeting to review the interest rate.
24 December (Thursday): The CBE's Monetary Policy Committee will meet to review interest rates.
25 December (Friday): Western Christmas.
1 January 2021 (Friday): New Year's Day, national holiday.
7 January 2021 (Thursday): Coptic Christmas, national holiday.
25 January 2021 (Monday): 25 January revolution anniversary / Police Day.
28 January 2021 (Thursday): National holiday in observance of 25 January revolution anniversary / Police Day.
4 February 2021 (Thursday): The CBE's Monetary Policy Committee will meet to review interest rates.
18 March 2021 (Thursday): The CBE's Monetary Policy Committee will meet to review interest rates.
12 April 2021 (Monday): First day of Ramadan (TBC).
25 April 2021 (Sunday): Sinai Liberation Day.
29 April 2021 (Thursday): National holiday in observance of Sinai Liberation Day.
29 April 2021 (Thursday): The CBE's Monetary Policy Committee will meet to review interest rates.
3 May 2021 (Monday): Sham El Nessim.
6 May 2021 (Thursday): National holiday in observance of Sham El Nessim.
12-15 May 2021 (Wednesday-Saturday): Eid El Fitr (TBC).
1 June 2021 (Tuesday): The IMF will conduct a second review of targets set under the USD 5.2 bn standby loan approved in June 2020 (proposed date).
10 June 2021 (Thursday): The CBE's Monetary Policy Committee will meet to review interest rates.
26-29 June 2021 (Saturday-Tuesday): The Big 5 Construct Egypt, Cairo International Convention Center
22 July 2021 (Thursday): The CBE's Monetary Policy Committee will meet to review interest rates.

redpajama_set_name: RedPajamaCommonCrawl


Between the two gold stocks, one looks poised to be a solid winner in the long run.
Talk about gold stocks, and Barrick Gold (NYSE:GOLD) and Royal Gold (NASDAQ:RGLD) are among the two top names that come to mind. And why not? Both of these companies are leaders in their respective rights: Barrick is one of the world's largest gold miners, while Royal Gold is among the leading precious metals streaming companies in the world. In the past year, gold prices have been flattish, but shares of Royal Gold and Barrick have soared more than 35% each as of this writing.
Compare that with the lackluster one-year performances of peers Franco-Nevada (NYSE:FNV) and Goldcorp (NYSE:GG) -- up 8% and down 8%, respectively -- and it appears Royal Gold and Barrick must be doing something right to have the caught the market's attention. Both stocks look compelling today, but one looks especially poised to fetch you handsome returns if things go as planned for the company.
Before I tell you which stock is that, let's quickly check how Barrick and Royal Gold make money and how they compare in terms of margins.
Barrick is a traditional miner that extracts precious metals from owned mines to sell in the market or to third parties. Royal Gold, on the other hand, lives off the hard work of miners -- It simply buys gold from them to later sell in the market. Of course, the luxury comes at a cost -- Royal Gold pays lump-sum, upfront money to the miners to support their operations and growth aside from the prices for the metal streams.
Overall, Royal Gold's streaming business comes with two huge advantages: No mining risks and low purchase cost of metals. Not surprisingly, Royal Gold has historically earned better margins than Barrick.
Or wait, that doesn't appear to be the case anymore.
ABX Operating Margin (TTM) data by YCharts.
See how Barrick's margin has not just closed in but surpassed Royal Gold's in the past year? That's incredible, and the credit goes to Barrick's aggressive cost-cutting efforts: It slashed its all-in-sustaining costs by nearly 12% to $730 per ounce in 2016, driving its adjusted earnings up almost 140%.
Make no mistake: Royal Gold also ended its financial year 2016 with record production and revenue. However, it suffered net losses thanks to large impairment charges compared to Barrick, which turned a pretty decent net profit for 2016, breaking its recent streak of losses.
Aside from cutting costs, Barrick also reduced its net debt by $2 billion and generated a record $1.5 billion in free cash flow last year. That makes Barrick a much stronger contender than Royal Gold, which is barely FCF-positive, although income investors have been better off with Royal Gold so far.
ABX Free Cash Flow (TTM) data by YCharts.
The thing is, Royal Gold's cash flows have been more stable thanks to its business model, which is why it has been able to increase its dividends for 16 consecutive years – a track record hard to match in a commoditized industry. What's more, its dividends have grown at a solid compounded annual average of 20% since 2001. Gold prices might have lost momentum since 2012, but Royal Gold hasn't denied investors higher dividends. That can't be said of Barrick, whose dividends have slumped since 2012. It was only in February this year that Barrick announced a 50% dividend hike after a long hiatus.
Which company has stronger growth potential?
2017 has also been a busy year for Barrick so far, with two major announcements coming in. First, Barrick has joined hands with Goldcorp to jointly operate its Cerro Casale mine at Chile as a 50/50 joint venture. Having another leading miner on board should help Barrick advance the mine faster. Second, Barrick has partnered with China's largest gold mining company, Shandong Gold Group, to tap resources in the high-potential El Indio Gold Belt on the Argentina-Chile border.
Clearly, Barrick isn't sidelining growth even as it focuses on deleveraging, with a target of reducing debt by $1.5 billion this year and a total of $5 billion by the end of next year. Meanwhile, it expects to keep its AISC below $770 per ounce through 2019. This cost visibility is particularly encouraging since cost is a significant determinant of profits in the gold industry.
Royal Gold, on the other hand, has pretty much locked in growth thanks to major investments during the weak business cycle of 2015. It has a stake in 22 development-stage mines, including Barrick's Pascua-Lama mine in Chile, which could reach permitting stage as early as next year if ongoing pre-feasibility studies deliver positive results. When these mines come online, Royal Gold's revenues should rise.
Image source: Royal Gold's presentation at the BMO 26th Global Metals & Mining Conference.
For now, Royal Gold is already on its way to a solid 2017 financial year, ending in June, having reported record operating cash flows during its last quarter.
Which stock should you buy today?
ABX Price to CFO Per Share (TTM) data by YCharts.
As one of the cheapest stocks today, Barrick sure looks very attractive given its growth catalysts.


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Го́лос Росі́ї — московська державна радіостанція, яка існувала у 1929—2014 роках. Працювала переважно на коротких та середніх хвилях, передавала програми із Росії за кордон 38 мовами.

До початку 1990-х років мала назву «Радіо Москва».

Очолював радіокомпанію на останньому етапі Андрій Бистрицький, головний редактор програмної дирекції — Діана Берлін.

2014 року радіостанцію ліквідовано, а замість неї створена інформаційна агенція «Sputnik».

Посилання
 Сайт радіостанції

Радіостанції Росії
Пропагандистські організації Росії
Російськомовні радіостанції

redpajama_set_name: RedPajamaWikipedia


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Don't settle for less when you need a roofer. Hire Lowcountry Roofing, one of the best roofing companies in the area.
Your new roof can be friendly to the environment and to your pocketbook as well.
After installing wood shingles or shakes on your roof, it is important to properly care for them.
This article is about the importance of attaining high quality roofing services.
Learn how to identify the characteristics of dry rot and how the damage is repaired.
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We appreciate your business! Our trusted team works professionally to provide our customers with premium services.


Desc: Code identifying a controlling agency.
The International Chamber of Shipping.
Identifies the Article Numbering Association of the United Kingdom.
Identifies the United States electronic data interchange standards body.
The United States Department of Defense is the entity controlling the message specification.
The United States Federal Government is the entity controlling the message specification.
European EDI association for financial, informational, cost, accounting, auditing and social areas.
The European Communities and the European Free Trade Association.
International organization of EAN Member Organizations, that along with the Uniform Code Council manages the EAN.UCC System (a series of standards for supply chain management).
United Nations working group responsible for UN/EDIFACT (United Nations, Electronic Data Interchange for Administration, Commerce and Transport).
The International Express Carriers Conference.
The Reinsurance and Insurance Network.
United Nations Economic UN Economic Commission for Europe (UN/ECE), Committee on the development of trade (TRADE), Working Party on facilitation of international trade procedures (WP.4), Group of Experts on data elements and automatic data interchange (GE.1), EDIFACT Rapporteurs' Teams.
United Nations Centre for Trade Facilitation and Electronic Business (UN/CEFACT).


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After subdivision is complete, the developer normally markets the land to a house builder or different end user, for such makes use of as a warehouse or procuring heart In any case, use of spatial intelligence tools mitigate the risk of these developers by modeling the inhabitants trends and demographic make-up of the kind of prospects a home builder or retailer want to have surrounding their new development.
Of more significance in the nature of branch development; in the Jubulaceae, as within the Porellaceae, branches are acroscopic and normally exchange a ventral leaf lobe. Penyempurnaan produk ini didasarkan pada evaluasi hasil sehingga pendekatan yang digunakan adalah pendekatan kuantitatif. Mengembangkan kemampuan promosional karyawan adalah konsisten dengan kebijakan personalia untuk promosi dari dalam.


Last December (2014) , while sheltering in an evacuation house during Typhoon Ruby, I met a family of nine.
At the time I put out a call to family and friends seeking ongoing sponsorship for their youngest daughter Roseanne, then aged 4. That call was answered by my friend Jac Gallagher and her family.
Over the last nine months I have really come to know this family and I experience such a joy any time I climb the muddy embankment to their makeshift bamboo home. One of the girls Rosemary, is fourteen years old. Rosemary was a bright and bubbly little girl, but she contracted meningitis aged around five or six. She has lived since this time with a severe intellectual impairment, communicating only by a series of different noises. Requiring constant care, she cannot be left unattended.
The Philippines is a place where disabled and mentally impaired family members are often chained and placed in cages. I mean literally metal chains and padlocks circling their bodies to tether them to a bed or coconut tree. It is a credit to this family, despite their poverty, they love and care for their daughter with dignity and compassion.
And Rosemary is a handful. She is big and loud, she demands constant attention. One of the delights of my visits now is the special shriek she has if she sees me walking below on the roadside. It has taken almost a year, but now she will pat my arm and lean on my shoulder when I visit.
Using the money sent to me by my friend Jac, every month I deliver a modest cash donation to Neda (mother) and her family as well as ongoing gifts of school supplies, raincoats, clothes, food and social outings for the kids. Sometimes I check on Roseanne and her brother Rolando at school and chat with their teachers.
It's more than a monthly visit though. The kids come to the house where I stay for snacks, to paint or draw or play games, watch DVDs and even the odd sleepover. Taking two of the kids to the city of Iloilo for the first time was also a joy.
This is a family who live in an almost constant state of love and I am inspired by their cheerful smiles and generosity every time I see them.


s published monthly by Daisy/ Hi-Torque Publishing Company, Inc., with editorial offices at 25233 Anza Dr., Valencia, CA 91355. Subscriptions $19.98 for 12 issues (one year). Canada add $12 additional postage for one year, $24 for two years. Foreign add $15 additional postage for one year, $30 for two years. Foreign subscriptions are shipped by surface mail and may take up to 15 weeks to arrive. Copyright ©2016 by Daisy/Hi-Torque Publishing Company, Inc. All rights reserved. Nothing in this magazine may be reprinted in whole or in part, by any means, without the express permission of the publisher. Contributors: Photographs should be submitted in digital form on CD or DVD. Images should be 4 megapixels or higher. High-quality, low-compres-sion JPEG images are preferred. Please limit submissions to no more than 20 photos at one time. Transparencies and prints will no longer be accepted for consideration; such images should be scanned and submitted as high-resolution digital files. Captions should accompany all submissions. Make sure the photographer's name, address, phone number and e-mail address are clearly labeled on each CD or DVD. Submissions will not be returned. Written articles should be submitted on CD (unless other arrangements have been made with the editors), saved as "text" files, and accompanied by printed version. Written submissions, both on paper and CD, will not be returned. The publisher does not assume responsibility for unsolicited material. PERIODICALS: Postage paid at Santa Clarita, CA 91383, and at additional mailing offices. POSTMASTER: Send address changes to Motocross Action Magazine, P.O. Box 957, Valencia, CA 91380-9057. Printed in USA.
MXA wrecking crew had a secret test track just south of Corona, California. We called it White Sands—not because it was sandy, but because it was bright white. It was an old chalk mine that was excavated out of a five-acre parcel. White Sands was hidden in the hills and only accessible by an isolated county road.
There were no houses nearby, and the mining operation had ceased years earlier. The best thing about White Sands wasn't that it was white—although that meant we never needed to use fill flash on any photos—but that the miners had terraced off multiple levels and roads down into the chalk mine. The multiple terraces allowed us to build big step-ups and step-downs.
Today, White Sands is a housing development.
wrecking crew think of the 1987 Honda CR250? We loved it. We said, "The handling is perfect! Magnificent!


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After Attacks, Change.org Asks 'Where's the State Department?'
BY Nancy Scola | Wednesday, April 20 2011
Photo credit: Meneer De Braker
Yesterday, we noted that Change.org was reporting that it was the victim of a distributed denial of service attack originating from China, and was calling on the State Department for help in keeping their online social action platform up and running. The apparent target of the attacks was a petition for the release of Chinese artists Ai Weiwei, which has more than 90,000 signatures at the moment. "Our engineers have been able to keep up the site during parts of the attack," said Change.org founder Ben Rattray in a statement, "but we've had some down time and without government assistance there are limits to what we can do."
A little unclear was what the company wanted the State Department to actually do. Site editor Benjamin Joffe-Walt responded that they're looking for Hillary Clinton and company to press Beijing on their behalf:
While from a technical perspective we are experiencing an ongoing, highly sophisticated denial of service attack, this is essentially a political attack and clearly in response to the viral success of a campaign by leading global art museums to free China's most famous artist.
In the past, the State Department has aggressively gone to bat for U.S. corporations attacked from China. This is worse: here we have a situation in which sources in China are directly attacking the right of American citizens to legally and democratically organize. But where is the State Department? Isn't a public statement of condemnation in order?
It wouldn't be the first time. Back in late January, Secretary of State Hillary Clinton called for the Chinese government to "conduct a thorough investigation of the cyber intrusions" into Google's systems, including Gmail. Now, Change.org isn't Google. And the company benefits from additional attention to its Ai Weiwei campaign (and, for that matter, to their platform, which, by Rattray's own telling, has struggled until recently to get traction). But Clinton's advancing of her "Internet freedom" agenda has certainly raised her profile as somebody American companies can call on when something goes wrong on the Internet.
Joffe-Walt says that Change.org's in-house technical team has traced the origin of the attacks back to "several China-allocated IP blocks."
Clinton has directly called for the release of Ai Weiwei.


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Find Trails > Connecticut > Waterbury > Waterbury Cross Country Skiing Trails
Waterbury, CT Cross Country Skiing Trails and Maps
Looking for the best Cross Country Skiing trails around Waterbury?
Find the top rated cross country skiing trails in Waterbury, whether you're looking for an easy short cross country skiing trail or a long cross country skiing trail, you'll find what you're looking for. Click on a cross country skiing trail below to find trail descriptions, trail maps, photos, and reviews.
Briarcliff-Peekskill Trailway
Chicopee River Canal Rail Trail
Columbia Greenway Rail Trail
EPCAL Alternative Transportation Path
Harlem Valley Rail Trail
Klara Sauer Trail
Maybrook Trailway
North County Trailway
Old Croton Aqueduct Trail
Crushed Stone, Dirt, Grass, Gravel
Old Mine Railroad Trail
Putnam Trailway
Southwick Rail Trail
The Air Line State Park Trail winds nearly 55 miles from the northeast corner of Connecticut, where the state borders Massachusetts, down to East Hampton in the heart of the state. The pathway is...
CT 54.6 mi Ballast, Dirt, Gravel
Open in several disconnected segments, the Billings Trail is a dirt path that traverses a lovely scenic and wooded landscape outside Norfolk in northern Connecticut. Built on the abandoned railbed of...
CT 3.3 mi Dirt
The Briarcliff-Peekskill Trailway is a 12-mile linear park that runs from the town of Ossining north to Westchester County's Blue Mountain Reservation in Peekskill. The trail is built on land...
NY 12 mi Asphalt, Dirt, Grass
A part of Connecticut's first bus rapid transit line, the CTfastrak Trail serves as recreational and multi-use path for walking and bicycling between Downtown New Britain and Newington Junction. The...
CT 4.4 mi Asphalt, Concrete
The Charter Oak Greenway offers more than 16 miles of paved pathway through Hartford and its eastern suburbs. At first glance, the trail looks as if it is simply a highway side path, but the journey...
CT 16.6 mi Asphalt
The Chicopee Center Canal Walk offers a short pleasant route in Chicopee, a small city on the outskirts of Springfield in southern Massachusetts. The pathway closely follows the slow-moving canal and...
MA 0.21 mi Asphalt
The Columbia Greenway Rail Trail offers just over 2 miles of paved, tree-lined pathway through Westfield in southwestern Massachusetts. The trail runs from Main Street, across the Great River Bridge...
MA 2.4 mi Asphalt
Running alongside both the Housatonic and Naugatuck Rivers, the Derby Greenway demonstrates a seamless integration of Connecticut's natural river systems and parks with man-made interventions of the...
CT 2 mi Asphalt, Dirt
The EPCAL Alternative Transportation Path loops around the 2,900-acre Enterprise Park at Calverton (hence its name: EPCAL) on New York's Long Island and links to the Town of Riverhead's 65-acre...
NY 8.5 mi Asphalt
First a canal, then a railroad, and now a trail define the history of the Farmington Canal Heritage Trail. Completed segments span Connecticut south to north, from New Haven to the Massachusetts...
A dozen miles west of Connecticut's capital of Hartford, the Farmington River Trail forms a 16.5-mile arc that connects to the larger Farmington Canal Heritage Trail on both ends. The rail-trail was...
CT 16.5 mi Asphalt, Crushed Stone
Paralleling the Connecticut and Massachusetts borders, which lie only a few miles away, the Harlem Valley Rail Trail is a beautiful paved wooded pathway along the former New York & Harlem Railroad...
NY 23.2 mi Asphalt, Crushed Stone
It's hard to pick a favorite season to experience the Hop River State Park Trail, set amid the dense forests of Eastern Connecticut. Sections of the 20-mile rail-trail dive through steep rock cuts...
CT 20 mi Crushed Stone
The Klara Sauer Trail (formerly known as the Beacon Riverside Trail) runs for 1 mile along the Hudson River on the west side of New York's village of Beacon. The trail occupies the same corridor as...
NY 1 mi Crushed Stone
The 3.1-mile Kress Family Trail in Roxbury occupies the former route of the Shepaug Valley Railroad (the Shepaug, Litchfield and Northern Railroad). The railroad was famously known as the "crookedest...
The Larkin State Park Trail meanders 10.8 miles through the woods and around the lakes and low hills of southwestern Connecticut. The rail-trail follows the route of the New York & New England...
CT 10.8 mi Cinder, Crushed Stone, Dirt, Gravel
The Maybrook Trailway is a paved multiuse trail stretching across Putnam and Dutchess counties in New York state. The trail, which is owned and was built by Metro North Rail, occupies the former...
NY 28 mi Asphalt
The Middlebury Greenway provides a paved, off-road option for a self-propelled journey across suburban Middlebury. The trail touches on several business districts and parks, ending at an amusement...
CT 4.5 mi Asphalt
The first phase of the New Milford River Trail runs southeast from Gaylordsville via the scenic but lightly traveled River Road, through Sega Meadows to Boardman Bridge, a distance of about 5 miles....
CT 5 mi Asphalt, Crushed Stone, Dirt
The former "Old Put" commuter rail corridor that ran from the Bronx to northern bedroom communities in Westchester and Putnam Counties is popular once again, only this time it's for people riding...
NY 20.7 mi Asphalt
When completed, the Norwalk River Valley Trail will run from Danbury to Long Island Sound in southwestern Connecticut, for a total of about 27 miles. Currently, several disconnected sections totaling...
At first glance, there's no evidence that an aqueduct ever existed along the Old Croton Aqueduct Trail. The trail is often a singletrack dirt pathway that winds through communities and trees and...
NY 26.5 mi Crushed Stone, Dirt, Grass, Gravel
Fahnestock State Park is a relatively undiscovered gems in the New York State Park System. Located a few miles east of Cold Spring Village on Rt. 301 (Main Street), the park jurisdiction was recently...
NY 2.2 mi Dirt
The Pequonnock River Trail is not a name you will see on the ground along this developing trail in southwestern Connecticut. Formalized in 2001 by the state, the regional trail pieced together...
The old New York Central rail line that ran from the Bronx to northern bedroom communities in Westchester and Putnam Counties carried commuters during the workweek, but on the weekends tourists...
The Railroad Ramble occupies a corridor abandoned by the Central New England Railroad, which provided service from 1871 through 1967. In Lakeville, the trail can be found just off of Route 41 behind...
CT 1.7 mi Asphalt, Dirt, Grass
The Ridgefield Rail-Trail meanders for nearly 2.5 miles through the forested exburbs of Ridgefield, Connecticut. The trail passes among suburban acreages, along a creek at one point, and past a couple...
CT 2.3 mi Gravel
When complete, Connecticut's Shoreline Greenway Trail will be a scenic 25-mile route through four quaint New England towns off Long Island Sound. From Lighthouse Point to Hammonasset Beach State Park,...
CT 4.1 mi Crushed Stone, Dirt
The Southwick Rail Trail extends from the Massachusetts–Connecticut state line north to the Westfield town line and connects to the Columbia Greenway Rail Trail. Along the way, it travels through...
The Stratton Brook State Park Trail presents a great way to work up an appetite for a picnic at Stratton Brook State Park, the first state park in Connecticut to be entirely wheelchair accessible. The...
CT 1.2 mi Asphalt, Cinder, Crushed Stone
Coming in at just under 3 miles, the Sue Grossman Still River Greenway is anchored by the towns of Winchester to the north and Torrington to the south. It occupies the right-of-way of the Naugatuck...
The Rockville Spur, a section of Vernon Rails-to-Trails, is a stone-dust rail-trail stretching 4.2 miles into the heart of historical Rockville. The trail begins on Warren Avenue in Vernon, but you'll...
Note: Per the State of Connecticut's website, the trail is open from dawn to dusk April 1–November 14. Eagle nesting activities can delay the opening of the southern trail head in Windsor Locks. Due...
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AWESOME TRAIL - completely open
January, 2021 by gjzambetti_tl
This trail is a gem. Fully open now from Tonetta Lake in Brewster to Hopewell Junction. Be aware that there are at least 2 additional parking areas/access points where the trail crosses RT 292 in Holmes (Whalay Lake - Holmes Community Center) and where it crosses Old Rt 55. The trail is in great condition, has some great lake and marsh views throughout and crosses the Appalachian Trail at one point.
Peaceful and only a few people
January, 2021 by jeannecarney21
I visited this beautiful, peaceful trail today for the first time. I started out at 11:45 this Sat and enjoyed every minute. The trail is quite and with relatively few people. Highly recommend!!
Very dangerous in parts
December, 2020 by scottreevesmusic
This is not really a one long trail but a series of segmented trails. While the beginning of each segment is marked with an "OCA" post, at the end of most segments there is no indication about where to find the next thread of the trail. Often you have to go through busy suburban streets to make the connection, some of which are quite dangerous. Other reviews recommended using GPS on your phone, but Google maps only indicates where the various trail segments are and it is difficult to find out how they connect. My friend & I attempted to do the northern half of the trail from Tarrytown up to the Old Croton reservoir. When you get to the Clearview School in Scarborough, you have to ride on a very busy Rt. 9, which has no shoulder, until you can take up the trail on Scarborough Rd. When we got to Ossining, the trail ended with no indication how to continue, so we again had to ride on Rt. 9. Then my friend hit a broken drainage grate on the side of the street, which was covered with leaves so that she could not see the gap in the pavement. It threw her head-first onto the asphalt. She was knocked out for several minutes, had a concussion, was bleeding profusely and nearly broke her neck. I called an EMT which took her to a hospital, where she stayed for two days and had stitches to her face and several tests. She was lucky she was not paralyzed (thanks to wearing a helmet). Exercise GREAT caution if you take the Ossining part of the trail. Some of the other segments are O.K. but some of them are just like riding through peoples' backyards.
November, 2020 by mari-james
Phase 1- the makings of a wonderful trail! Anxiously waiting for the completion of phase 2.
one of the very best
November, 2020 by SPanny
I have been riding this trail for years. As of November, 2020, a wonderful new section has just been introduced, stretching from Millerton, NY to Under Mountain Road. This means that the trail now covers almost 24 miles one-way from Wassaic NY all the way to Orphan Farm Road near Copake. This is a classic, beautiful trail the runs through a valley, with so many nice sections: tunnels of trees looking out over farms, places to stop in Amenia and Millerton, a section that runs right to the entrance of Taconic State Park, several raised ridges with views of fields on both sides. The newest area, from Millerton to Under Mountain Road, is perhaps the nicest of all, as it runs through an area with views of the Taconic Berkshires and runs over multiple ponds via the old train bridges (now updated for bicycles). I've been on rail trails all over the northeast, this is one of the very best.
Disappointed with new trail resurfacing
November, 2020 by carrie.vezina
The Air Line State Park Trail is one of my favorite bike trails in Connecticut. Rode our bikes there last week and was very disappointed with the recently resurfaced section from the Cranberry Bog in East Hampton. The gravel that was used in the resurfacing is to soft and to deep. Has only been open for a week (10/28/2020) and it is already marred by craters from horses and foot traffic. The ride is bumpy like a wash board. At one point I swerved to miss a pile of horse droppings and got to close to the edge which then collapsed under my bike causing me to fall. What was once a favorite section of the trail for us, is now a major disappointment.
Nice Trail
November, 2020 by adab
We parked by the pet store mentioned in a previous review and biked to just passed the covered bridge, maybe 6 miles out? Beginning of trail is rough but that ends quickly . Nice ride in the woods. Not much to see. It was a slight incline on the way out which made the return better. I wish there some benches along the way to take a break.
great scenery
October, 2020 by jimft13
We did this in a Sunday afternoon and it was impossible to ride our bikes across. We walked most of the way and the views were great going over the bridge.
William R. Steinhaus Dutchess Rail Trail
This trail is an easy ride for everyone. It's well maintained with plenty of benches to rest and a mixture of sun and shady spots. The end of this trail leads right into the Walkway over the Hudson.
October, 2020 by radiggy1
One of the best trails I have done. Nice and smooth. You must do Walkway over The Hudson.
Hilly Section of the Trail
October, 2020 by slipsoup
My friend and I rode from Millwood on the North County Trail and just kept going. We ended up on the Putnam Trailway for a total of 46 miles. There are several decent hills on this segment of the trail. There are some street crossings but they are not very busy roads. You eventually come to the end of the trail, which is clearly marked. Near the end of the trail is a large reservoir. The trail is completely paved with just a few bumpy spots. We rode on 10/10 and the foliage has not changed much yet.
Kennedy Trail
Lovely Easy Trail
October, 2020 by chezbento
Level easy trail quiet and very pretty. Tricky entrance and exit onto busy road. Short easy trail. Wear boots muddy areas.
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The method and device "Cypress", developed and patented by the Ukrainian academician Pneyour Petrov Vladimir Petrovich.
The complex has successfully passed preclinical and clinical studies and has been entered in the State Register of Medical Equipment.
The complex restores the lost functions of the musculoskeletal system of adults and children.
The complex has no alternatives in the world for the treatment of posture disorders, stoop in children and adults.
The main principle of the technique is the natural ability of the body to recover. Drug-free and without surgical intervention.
The principle is based on the principles of consciousness, respiration, movement and natural pulsation. These principles are known to all – therefore, treatment sessions under the control of a physical therapist are easily perceived at any age.
It is performed on the Cypress lodgement in a relaxed position lying on its back (posture pattern). Gentle stretching of the back and movement in the course of training are performed slowly, without loads and extraneous weight. The process of breathing is controlled. The movements are balanced for the muscles of the whole body.
Features of the device "Cypress" is its arc shape. Which is very comfortable to be. During exercise, slow movements eliminate the subluxations of the vertebral joints (displacement of the vertebrae) – the backbone vertebrae are corrected.
In the process of correction, pressure on intervertebral discs in the cervical, thoracic, and lumbar spine decreases. The nerve endings, the blood vessels of the spine, are released from excessive pressure. Oxygen and the necessary substances in time get the paravertebral tissues of the back. Exchange processes are established.
After 1 and 2 stages there is a need to consolidate the obtained effect and create a muscular corset. At this stage, the movement and load may vary depending on the state of health. The effect is achieved through systematic exercises, the addition of auxiliary movements in the program.
Just as the disease occurs in a separate organ and gradually spreads to the entire body, so the influence of the technique on the Cypress device returns health not only to the spine, but also to adjacent organs and tissues – the cardiovascular and respiratory systems are restored, the digestive processes are balanced. Our patients boast that during the course they throw a few pounds of excess weight, which proves the complex effect on the body.
"Spine Ambulatory" offers the best conditions for treating the back and joints. Our centers are fully equipped for the full cycle of treatment. Starting with a consultation with a physician, functional diagnostics, scanning atropometry and posture parameters. We have professional physical therapists and masseurs. We will study your medical history, pictures, we will create an individual comprehensive treatment program, which will include both classes on Cypress and a complex therapeutic massage.
We provide rehabilitation training and recommendations for self-study.


In January 2017, the University of Zululand's arts faculty dean, Gregory Kamwendo, received a threat that he would go back to Malawi in a coffin. He was gunned down outside his home in Empangeni in May this year.
Two sources close to the investigation told the Mail & Guardian that his murder was a planned hit and alleged that it was organised by Zweli Nkuna, a former lecturer at the university, whose long-running strife with the professor went back to 2015.
Though media reports have claimed that the motive behind Kamwendo's death was his uncovering of the awarding of fraudulent PhDs, the sources said this played only a small part in his murder.
On Monday, Nkuna and Oscar Mthiyane appeared in the Empangeni magistrate's court on charges of murder. Their bail application will be heard on December 12.
According to the sources, Nkuna contacted Mthiyane, who is allegedly a taxi owner, to help him to get rid of Kamwendo.
"He [Mthiyane] told us that he was called out of the blue by Nkuna who said he had a problem that needed to be sorted. He got to a decision that the easiest way to deal with Kamwendo is to kill the professor.
Both have confessed that they did this. Mthiyane said he got a call from Nkuna saying there was a quick job he wanted him to do. Even though Mthiyane did not do the work, he hired inkabi [an assassin]. He is old and can't run away as fast as a youngster," said the source.
Nkuna was the driver of the getaway car, according to the sources. KwaZulu-Natal police spokesperson Thembeka Mbele would not confirm the details and simply stated that Empangeni detectives arrested two suspects both aged 50 for murder and they were remanded in custody until December 12 for a bail application.
But, according to the sources, the strife between Nkuna and Kamwendo started in 2015, when a student laid a complaint of assault against Nkuna.
The university conducted an investigation that found Nkuna guilty. In documents, seen by the M&G, the student said Nkuna had strangled and slapped him. "I was harassed and beaten up by a lecturer which does not teach me.
"This mister beat me up, slapped me on my face and grasped my neck through all the way from outside AL8 to the dean's office where he continued and took my personal stuff and threw it on the passage," reads the student's statement.
In May 2016, Nkuna approached the Commission for Conciliation, Mediation and Arbitration (CCMA).
Kamwendo testified against Nkuna, saying the behaviour of Nkuna was unbecoming of a lecturer entrusted with the lives of students.
The CCMA records that, even if Nkuna was found not guilty of assault at the arbitration, Kamwendo would still be uncomfortable with taking him back into his employ.
Nkuna, who is married with nine children, testified that his relationship with his colleagues and students was "perfect". He denied assaulting the student and said the student had made up the story.
The CCMA found in his favour and ordered that he be reinstated and paid backpay of more than R160 000. The commissioner said there were discrepancies in the evidence given by the student's witnesses.
"The respondent's [the student's] witnesses not only contradicted themselves and each other, they vehemently testified that their co-witnesses had lied ... This is in stark contrast to the applicant's [Nkuna's] testimony and that of his witnesses, who were good witnesses and their evidence was consistent," read the arbitration award.
The university's spokesperson, Gcina Nhleko-Mdluli, said the institution had filed papers to appeal the CCMA case. Prior to the appeal, Kamwendo filed an affidavit claiming that Nkuna had threatened his life.
"On 13 January 2017 ... I was leaving Spar at Five Ways Mall in Empangeni when Mr S Zweli Nkuna, a former Unizulu sociology lecturer, charged towards me and shouted that he was not happy that I testified against him at CCMA. He declared that he was watching my movements and will ensure that I go back to Malawi in a coffin," reads the affidavit.
Kamwendo went to the Empangeni police station to report the incident, which he described as tantamount to assault, according to the affidavit.
"I believed that he was more than capable of acting upon his threats," Kamwendo said.
But, according to the sources, this was not the end of it.
"He [Nkuna] was not happy at all that Kamwendo testified. He was so angry he went to find inkabi to take care of him," said one source.
Both sources have confirmed that investigations are ongoing and more people will be arrested for the murder. "We haven't found inkabi yet, but we are close on his heels," said one source.
Nkuna is a member of the Save Unizulu organisation, which has been uncovering allegations of wrongdoing at the university.
Nhleko-Mdluli said that university staff had received threats from Save Unizulu members.
"The threat between Nkuna and Kamwendo is not unique as this has been done by people who have forged to have an organisation [Save Unizulu] that fights management with a common agenda of destroying the management of the university. It is the view of the university that Professor Kamwendo could have been a victim of this continuation of undermining the leadership through mafia tendencies," she said.
But, in a letter to Parliament after the murder of Kamwendo, Save Unizulu said his death came after other members had received threats.
"Given the recent gunning down of Professor [Kamwendo] … on the 22nd of May 2018, we have decided to take the recent threats that we as Save Unizulu have been receiving seriously and report this to your committee. We wish to alert the committee that this would not be the first time that such an incident has happened at Unizulu," it reads.
Josephine Naicker, secretary general of Save Unizulu, said she was shocked when she was contacted about one of its members being implicated in the murder.
Naicker said the organisation was not aware of the details of the case "or any alleged involvement by any of our members except what we have seen in the media. I was not aware of the relationship between Mr Nkuna and Mr Kamwendo. All we know is that Mr Nkuna won his case and was ordered back to the university," she said.


Set sharing strategy to MEDIA to make the GIF autoplay in the app. Snapchat doesn't allow the user to see or customize the share text before sending.
When recieved on an iOS device the GIF doesn't have a play symbol on it so not everyone might realize that the media is playable. On Android there's a play symbol. Also in contrast to Android, the user has the ability to add their own text to the share before sending.


text:
How to Land a Top-Paying Ultrasonographers Job:...
by Murphy Mary
Blood Cold
Blood Cold (eBook)
by Mary Murphy, Dennis McDougal (Author)
The riveting true account of the 2001 murder of Bonny Lee Bakley, starring Robert Blake—the Hollywood icon accused of killing his wife in cold blood
In May 2001 Bonny Lee Bakley was shot to death in a car parked on a dark Hollywood side street. Eleven months later Robert Blake—her husband, the father of her child, and the star of the classic film In Cold Blood and the popular 1970s TV detective series Baretta—was arrested for murder, conspiracy, and solicitation. Did Blake kill his wife? Did he hire someone to do the job for him?
Award-winning journalist Dennis McDougal and entertainment-media expert Mary Murphy recount a real-life crime story more shocking and bizarre than any movie, chronicling the parallel worlds of Blake and Bakley, from their troubled youths to their sham of a marriage. By the late 1990s Blake was coasting on his past success. Bakley was a con artist who concocted online sex scams and victimized unsuspecting men, netting big money and dangerous enemies.
In true noir style, McDougal and Murphy lay bare the stories of two violent people whose lives collided in a tragic tangle of abuse, betrayal, and love gone horribly wrong.
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This article and a radio report by Amy Costello for The World originally appeared on PRI.org on December 19, 2013 and is republished as part of a content sharing agreement.
In many parts of Latin America, Asia and Africa, there aren't enough doctors and nurses to care for everyone who is sick. So charities and governments have enlisted thousands of volunteers to serve as community health workers.
These volunteers provide much-needed care, and because they draw no salary, they offer a cost-effective solution in impoverished places. But who is looking after the interests of the volunteers?
I traveled to the West African nation of Senegal, which is rolling out a national health program that relies on volunteers.
I headed to Ngueringne Bambara, a village about an hour outside Dakar, the capital. I walked into a bustling medical clinic. The clinics are called "health huts" in Senegal, but this one was brick and mortar.
Inside, I met Awa Diagne, a volunteer who was tending to that day's patients.
She took the pulse of a sick infant. She treated a man with a nasty gash in his leg. She saw a woman with wounds across her back that she had sustained in a car accident a few weeks earlier.
Watching Awa Diagne in action, I was impressed. She and her colleagues delivered care with kindness and concern and efficiency.
Frankly, I hadn't expected to see this level of professionalism at a clinic run by volunteers. I figured things would be more ad hoc — that the volunteers might open their clinic a few hours a week. I was wrong.
And she and her colleagues never really go off duty.
The more I heard, the less this sounded like a volunteer gig. It seemed like a job.
In fact, I learned that Awa Diagne has been doing this work, without pay, for a very long time — more than a decade.
The health huts program here in Senegal is administered by ChildFund International, an American charity.
He said his program provides care to some 9 million people. It uses 20,000 health workers.
Volunteers gain personal satisfaction from the work, he said, as well as respect from their neighbors. They're given certificates of appreciation at community ceremonies.
Awa Diagne, the volunteer I spent time with, says these nonmonetary benefits have kept her going over the past decade.
But many of the volunteers are impoverished themselves, without much money or time to spare. Awa Diagne has five children. Her husband is a bricklayer who sometimes can't find work.
"Sometimes we don't even manage to have three meals a day," she said.
Impoverished people like Awa Diagne volunteer for an untold number of international health charities around the world. Is it ethical to ask such desperately poor people to give so much of their time, for free?
So why isn't Awa Diagne paid? I asked the representative of ChildFund.
But ChildFund's work here is paid for by a wealthy benefactor — the US government — which has given $40 million to the health huts program.
So I headed to the American embassy in Dakar and tracked down Ramatoulaye Dioume. She's been working for the US government on community health activities here for 15 years. I told her about Awa Diagne and the other volunteers who have been working six days a week for a decade.
Here's the problem. The US government could presumably pay volunteers in Senegal with a portion of its aid money, but that would be a short-term solution because the health huts program will soon be handed over to the Senegalese government. If Senegal can't afford to transfer those workers to its payroll, what happens to the country's healthcare system?
This is something I heard a lot in Senegal: The government simply cannot afford to pay its health workers.
When I got back to the United States, I called Kenneth Maes. He's an anthropologist at Oregon State University who studies community health volunteers in Ethiopia.
A few governments have already taken that step. Ethiopia has hired about 40,000 community health workers, making them full-time, salaried employees. Brazil has hired even more — about 250,000 across the country.
Maes said these governments instituted the programs not only to improve the health of the public, but also as job-creation measures.
Awa Diagne, the Senegalese health volunteer, is proud of the work she has done for her community, for free, for a decade. "The government should be aware that any program they organize — vaccinations, HIV, malaria — those programs cannot be successful without the help of community workers," she said.
Have you volunteered for a nonprofit organization? Share your own experiences and follow the hashtag #TrackingCharity on Twitter to discuss.
Amy Costello is a former Africa correspondent for PRI's The World. She now hosts Tiny Spark, a podcast that investigates the business of doing good.


The American Legion faces the same issues every non-profit encounters and the biggest challenge is raising money to support our efforts. To address this, one of the things we do is to hold a couple raffles every year. This photo is of a recent winner of our rifle raffle.


text:
Originally published: 2011-06-24 09:51:51
Last updated: 2011-06-24 09:53:28
Author: Boubakr

a simple TCP Port Checker using socket !

redpajama_set_name: RedPajamaGithub


Quotations about Battlefields. Quotes to stimulate mind and drive action! Use the words and quote images to feed your brain inspiring things daily!
There's nothing so much like a god on earth as a General on a battlefield.
Loyal and substansial Catholic service on the battlefield undermined one of the most longstanding objections to emancipation: namely, that since Catholics owed religious allegiance to a foreign authority in the person of the Pope, their political and patriotic allegiance must necessarily be suspect.
Few Christians go into media or the arts today, or see it as a primary mission field or battlefield. But it is.
Writers brought up in Africa have many advantages - being at the center of a modern battlefield; part of a society in rapid, dramatic change. But in a long run it can also be a handicap: to wake up every morning with one's eyes on a fresh evidence of inhumanity; to be reminded twenty times a day of injustice, and always the same brand of it, can be limiting.
Courage is the virtue that President Kennedy most admired. He sought out those people who had demonstrated in some way, whether it was on a battlefield or a baseball diamond, in a speech or fighting for a cause, that they had courage that they would stand up, that they could be counted on.
Israel should not feel satisfaction at my son's death, for he died on the battlefield, facing the conquerors as he wished, with a gun in his hand.
When we step on the battlefield, I will be The First Boots On and the Last Boots Off.
I often think it would be really interesting to take all of those who would wage war to the battlefield cemeteries, and say, explain yourself to the dead. Explain yourself to the dead!
Heroes are people who face down their fears. It is that simple. A child afraid of the dark who one day blows out the candle; a women terrified of the pain of childbirth who says, 'It is time to become a mother'. Heroism does not always live on the battlefield.


Before my dad died, we never thought about money. I mean, it wasn't that we were rich, but we weren't poor either, you know, we just were. We had a nice house; we had a hot dinner every night; we even went to Disneyland once and I remember we all got dressed up for the airplane ride. We never really wanted for anything except perhaps for a little more time together.
This is my absolute favorite time of the year, because people have ambitious health intentions they believe in their capabilities and believe in that you can do something is the key ingredient to success.
I've received a lot of questions from CNN, iReporter, so went to our website, they wanna ask you question directly. This one was from Guy Watson in Albuquerque.
As if socking them with higher Medicare taxes and then taxing them again on their fancy-schmancy, pricey, private health plans weren't enough, this Senate health care bill aims to cash in on their conceit.
It is moving, it is sobering, it is a reach back into history. The tales about the family tree of first lady Michelle Obama and an American map that traces her back to the slaves and slave owners that were in her past. This woman who made it all the way to the White House. ABC's Yunji de Nies has more on the first of this journey.
Good afternoon,Mr Calroson.Thank you very much for taking the time to speak with me.
I'm afraid of blood.Plus,it's a lot of pressure, having someone's life in your hands. I mean one mistake and you can kill someone.
A 9-year-old girl took her grandmother's car and led police on a chase at speeds over 90 mph. WKRN's Teresa Weakley reports.
CNN's Emily Chang reports on the lure of China for freshly minted American graduates and entrepreneurs.
New techniques for detection, diagnosis, and treatment are constantly emerging, as a result of efforts of Congress and the American people.
'Homeless Boy' is adapted from an autobiographical best-seller written by Tamura Hiroshi, a young, successful and prosperous Japanese comedian.
Cuba is running out of toilet paper. While Cuba blames the Global Financial Crisis, Fareed blames Communism.
You probably didn't know this, but I have a nervous habit of counting everything. I count small things. For example, I count stairs when I go up or come down them.
When I was about 12 years old, I remember at Christmas one year being ashamed of how much I liked it because of all the presents I got. It's a pretty complicated thought for a 12 year old kid but I had it.
And last week I was telling you about my new goal, which is to get on the cover of O magazine. That is my new goal and I'm asking everyone to join me.
Careerbuilder.com's Jason Lovelace gives job seekers advice on how to make their resume stand out.