text:
Kaiser Aluminum Corporation Reports Second Quarter and First Half 2012 Financial Results
July 25, 2012 at 12:00 AM EDT
Kaiser Aluminum Corporation Reports Second Quarter and First Half 2012 Financial Results 47.9 KB
Second Quarter 2012 Results:
Net Sales $345 Million; Value Added Revenue $185 Million, Up 16%
Operating Income $40 Million; Adjusted EBITDA $46 Million, Up 51%
Net Income $21 Million; Adjusted Net Income $20 Million, Up 70%
Diluted EPS $1.09; Adjusted EPS $1.06, Up 68%
Record First Half 2012 Results: Value Added Revenue, Adjusted EBITDA and EBITDA Margin, Adjusted Net Income, and Adjusted EPS
FOOTHILL RANCH, Calif., July 25, 2012 (GLOBE NEWSWIRE) -- Kaiser Aluminum Corporation (Nasdaq:KALU) today reported net income of $21 million or $1.09 earnings per diluted share for the second quarter 2012 compared to $4 million, or $0.21 earnings per diluted share for the second quarter 2011. Excluding the impact of non-run-rate items, adjusted net income was $20 million or $1.06 per diluted share for the second quarter 2012, reflecting a significant improvement from adjusted net income of $12 million or $0.63 per diluted share in the second quarter 2011. Record first half 2012 adjusted net income of $41 million and adjusted earnings per share of $2.16 reflected a 108% improvement over the prior year period.
Value added revenue of $185 million for the second quarter 2012 was up 16% over the prior year period. For the first six months of 2012, value added revenue was a record $380 million, up 20% from the comparable 2011 period, reflecting strong year-over-year aerospace demand growth and an improved pricing environment.
Adjusted consolidated EBITDA was $46 million compared to $30 million for the prior year period. Record first half 2012 adjusted consolidated EBITDA of $90 million was up 69% from the prior year period. Adjusted EBITDA margin on first half 2012 value added revenue was 24% compared to 17% for the first half of 2011, driven by higher volume, improved pricing and greater operating leverage from capacity and efficiency improvements.
"We are very pleased with our second quarter results which, combined with our first quarter results, produced record value added revenue and earnings for the first half of 2012. These results reflect higher volume driven by strong aerospace and automotive demand, improved pricing and greater overall operating leverage. Solid execution, especially at our Trentwood facility that is undergoing a Phase 4 heat treat plate expansion, also contributed to the record results," said Jack A. Hockema, President, CEO and Chairman. "Overall, we continue to realize benefits from the growth initiatives and investments we have made to increase capacity, improve efficiency and quality, and expand our product offering, and our record first half 2012 and last twelve months results demonstrate significant progress toward achieving the long-term potential of our platform."
"As we look forward, we believe we are well positioned and have the financial flexibility to support future capacity expansion initiatives as needed to keep pace with expected demand growth for aerospace and automotive applications," added Mr. Hockema.
Second Quarter and First Six Months 2012 Consolidated Results
(Non GAAP, Unaudited)*
($mm, except shipments, realized price and per share amounts)
Quarter Six Months
2Q12 1Q12 2Q11 2012 2011
Shipments (MM lbs) 147 157 145 304 289
Net Sales $ 345 $ 365 $ 339 $ 711 $ 661
Hedged Cost of Alloyed Metal $ 160 $ 171 $ 179 $ 330 $ 345
Value Added Revenue1 $ 185 $ 195 $ 160 $ 380 $ 316
Realized Price ($/lb)
Hedged Cost of Alloyed Metal $ 1.08 $ 1.09 $ 1.23 $ 1.09 $ 1.20
Value Added Revenue $ 1.26 $ 1.24 $ 1.10 $ 1.25 $ 1.09
Total $ 2.34 $ 2.33 $ 2.33 $ 2.34 $ 2.29
Adjusted2
Operating Income $ 39 $ 38 $ 24 $ 77 $ 41
EBITDA $ 46 $ 44 $ 30 $ 90 $ 53
Net Income $ 20 $ 21 $ 12 $ 41 $ 20
EPS, Diluted $ 1.06 $ 1.09 $ 0.63 $ 2.16 $ 1.04
Net Income $ 21 $ 27 $ 4 $ 48 $ 15
1 Value added revenue = Net sales less hedged cost of alloyed metal
2 Adjusted numbers exclude non-run-rate items
*Please refer to GAAP financial statements
Consolidated operating income excluding the impact of non-run-rate items was $39 million for the second quarter 2012, up $15 million from the prior year quarter. For the first six months of 2012, consolidated operating income excluding the impact of non-run-rate items was $77 million, up 90% from $41 million for the prior year period, reflecting higher value added revenue driven by stronger demand across end market applications, solid execution and throughput, an improved pricing environment and the benefit of increased capacity and efficiency improvements.
Cash flow from operations remained strong, with adjusted consolidated EBITDA funding cash requirements for operations and internal growth. During the quarter the Company issued $225 million of 8.25% Senior Notes due in June 2020, providing greater flexibility to support future growth through organic investments and potential value-creating acquisitions. As of June 30, 2012, the Company had cash on hand of approximately $318 million and no borrowings under its Revolving Credit Facility.
"We continue to be optimistic regarding the outlook for our aerospace and automotive applications. We anticipate fully utilizing our Phase 4 heat treat plate capacity expansion at our Trentwood facility when it comes on line in 2013, and we continue to evaluate opportunities for further expansion and growth. Our outlook for the automotive end market also remains strong as we continue to see significant year-over-year growth driven by higher build rates and increasing aluminum extrusion content. The outlook for our general engineering applications, however, remains tempered as a sustainable recovery in the general industrial economy continues to be challenged by U.S. and global economic uncertainty," said Mr. Hockema.
"Looking ahead, although we expect normal seasonal weakness across end market applications in the second half of 2012, we anticipate that our value added revenue will be up 10% to 15% from the second half results of 2011, reflecting strong aerospace and automotive demand. In addition, we expect the adjusted EBITDA margin on value added revenue will be significantly higher than the second half 2011, reflecting higher volume, improved pricing and greater overall operating leverage," concluded Mr. Hockema.
Kaiser Aluminum Corporation will host a conference call on July 26, 2012, at 10:00am (Pacific Time); 12:00pm (Central Time); 1:00pm (Eastern Time), to discuss second quarter and first half 2012 results. To participate, the conference call can be directly accessed from the U.S. and Canada at (800) 575-5790, and accessed internationally at (719) 457-2631. A link to the simultaneous webcast can be accessed on the Company's website at http://investors.kaiseraluminum.com/events.cfm. A copy of a presentation will be available for download prior to the call and an audio archive will be available on the Company's website following the call.
Kaiser Aluminum Corporation, headquartered in Foothill Ranch, Calif., is a leading producer of semi-fabricated specialty aluminum products, serving customers worldwide with highly-engineered solutions for aerospace and high-strength, general engineering, and custom automotive and industrial applications. The Company's North American facilities produce value-added sheet, plate, extrusions, rod, bar, tube and wire products, adhering to traditions of quality, innovation and service that have been key components of the culture since the Company was founded in 1946. The Company's stock is included in the Russell 2000® index and the S&P Small Cap 600® index.
The Kaiser Aluminum Corporation logo is available at http://www.globenewswire.com/newsroom/prs/?pkgid=6081
For more information, please visit the Company's website atwww.kaiseraluminum.com. The website includes a section for investor relations under which the Company provides notifications of news or announcements regarding its financial performance, including Securities and Exchange Commission (SEC) filings, investor events, and earnings and other press releases. In addition, all Company filings submitted to the SEC are available through a link to the section of the SEC's website at www.sec.govwhich includes: Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and Proxy Statements for the Company's annual stockholders' meetings and other information statements as filed with the SEC. In addition, the Company provides a webcast of its quarterly earnings calls and certain events in which management participates or hosts with members of the investment community.
This earnings release contains certain non-GAAP financial measures. A "non-GAAP financial measure" is defined as a numerical measure of a company's financial performance that excludes or includes amounts so as to be different than the most directly comparable measure calculated and presented in accordance with GAAP in the statements of income, balance sheets or statements of cash flow of the Company. Pursuant to the requirements of Regulation G, the Company has provided a reconciliation of non-GAAP financial measures to the most directly comparable financial measure in the accompanying tables.
The non-GAAP financial measures used within this earnings release are value added revenue, EBITDA, adjusted EBITDA, operating income excluding non-run-rate items, adjusted net income and earnings per diluted share, excluding non-run-rate items and ratios related thereto. Non-run-rate items are items that, while they may recur from period to period, are particularly material to results, impact costs as a result of external market factors and may not recur in future periods if the same level of underlying performance were to occur. These non-GAAP financial measures are presented because management uses this information to monitor and evaluate financial results and trends and believes this information to also be useful for investors.
This press release contains statements based on management's current expectations, estimates and projections that constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995 involving known and unknown risks and uncertainties that may cause actual results, performance or achievements of the Company to be materially different from those expressed or implied. Kaiser Aluminum cautions that such forward-looking statements are not guarantees of future performance or events and involve significant risks and uncertainties and actual events may vary materially from those expressed or implied in the forward-looking statements as a result of various factors. These factors include: (a) material adverse changes in economic or industry conditions generally, including global financial markets; (b) our inability to achieve the level of growth or other benefits anticipated by management, including those anticipated from our acquisitions and other strategic investments; (c) increases in our costs, including the cost of energy, raw materials and freight costs, which we are unable to pass through to our customers; (d) changes in the markets served by the Company, including aerospace, defense, general engineering, automotive, distribution and other markets, including changes impacting the volume, price or mix of products sold by the Company and the Company's ability to flex production consistent with changing demand levels; (e) the Company's ability to lower energy costs, realize manufacturing efficiencies and complete its expansion and organic growth projects, equipment and facility upgrades to improve manufacturing and cost efficiencies and product expansions as planned and by targeted completion dates; (f) unfavorable changes in laws or regulations that impact our operations and results; (g) the outcome of contingencies, including legal proceedings, government investigations and environmental remediation; and (h) other risk factors summarized in the Company's reports filed with the Securities and Exchange Commission, including the Company's Form 10-K for the year ended December 31, 2011 and the Company's Current Report on Form 8-K filed on May 24, 2012. All information in this release is as of the date of the release. The Company undertakes no duty to update any forward-looking statement to conform the statement to actual results or changes in the Company's expectations.
KAISER ALUMINUM CORPORATION AND SUBSIDIARY COMPANIES
STATEMENTS OF CONSOLIDATED INCOME (1)
Quarter Ended Six Months Ended
(In millions of dollars, except share and per share amounts)
Net Sales $ 345.2 $ 338.8 $ 710.6 $ 661.4
Costs and expenses:
Cost of products sold:
Cost of products sold, excluding depreciation and amortization 284.5 300.0 579.5 580.9
Depreciation and amortization 6.6 6.4 12.9 12.7
Selling, administrative, research and development, and general 14.4 18.0 32.3 33.6
Other operating charges (benefits), net 0.1 (0.3) 0.1 (0.3)
Total costs and expenses 305.6 324.1 624.8 626.9
Operating income 39.6 14.7 85.8 34.5
Other (expense) income:
Interest expense (6.5) (4.4) (10.6) (8.9)
Other income (expense), net 1.1 (3.4) 1.8 (1.7)
Income before income taxes 34.2 6.9 77.0 23.9
Income tax provision (13.2) (2.8) (29.5) (9.0)
Net income $ 21.0 $ 4.1 $ 47.5 $ 14.9
Earnings per common share, Basic:
Net income per share $ 1.10 $ 0.22 $ 2.49 $ 0.79
Earnings per common share, Diluted (2):
Weighted-average number of common shares outstanding (in thousands):
Basic 19,137 18,984 19,087 18,962
Diluted (2) 19,200 19,176 19,170 19,164
(1) Please refer to the Company's Form 10-Q for the quarter ended June 30, 2012, for additional detail regarding the items in the table.
(2) Diluted shares are calculated using the treasury stock method.
SELECTED OPERATIONAL AND FINANCIAL INFORMATION (1)
(In millions of dollars, except shipments and average sales price)
Shipments (mm lbs) 147.2 145.2 303.9 289.3
Average Realized Third-Party Sales Price (per pound)2 $ 2.34 $ 2.33 $ 2.34 $ 2.29
Segment Operating Income (Loss):
Fabricated Products3 $ 45.2 $ 24.0 $ 99.2 $ 51.0
All Other4 (5.6) (9.3) (13.4) (16.5)
Total Operating Income $ 39.6 $ 14.7 $ 85.8 $ 34.5
Income tax provision $ (13.2) $ (2.8) $ (29.5) $ (9.0)
Capital Expenditures $ 7.9 $ 7.9 $ 16.9 $ 14.1
(2) Average realized prices for our Fabricated Products segment are subject to fluctuations due to changes in product mix as well as underlying primary aluminum prices and are not necessarily indicative of changes in underlying profitability.
(3) Operating results in the Fabricated Products segment for the quarters and six months ended June 30, 2012 include non-cash last-in, first-out ("LIFO") inventory benefits of $4.9 million and $7.8 million, respectively. Operating results in the Fabricated Products segment for the quarters and six months ended June 30, 2011 include non-cash LIFO inventory charges of $5.0 million and $19.9 million, respectively.
(4) Operating results in All Other represent operating expenses in the Corporate business unit.
CONSOLIDATED BALANCE SHEETS (1)
June 30, 2012 December 31, 2011
Cash and cash equivalents $ 317.8 $ 49.8
Receivables:
Trade, less allowance for doubtful receivables of $0.9 at June 30, 2012 and December 31, 2011 131.3 98.9
Other 1.9 1.2
Inventories 196.8 205.7
Prepaid expenses and other current assets 74.7 78.9
Total current assets 722.5 434.5
Property, plant, and equipment — net 373.0 367.8
Net asset in respect of VEBA 262.3 144.7
Deferred tax assets — net 156.3 226.9
Intangible assets — net 36.3 37.2
Goodwill 37.2 37.2
Other assets 73.8 72.3
Total $ 1,661.4 $ 1,320.6
Accounts payable $ 66.5 $ 62.2
Accrued salaries, wages, and related expenses 31.3 30.9
Other accrued liabilities 46.3 41.0
Payable to affiliate 18.3 14.4
Long-term debt-current portion — 1.3
Total current liabilities 162.4 149.8
Net liability in respect of VEBA 20.1 20.6
Long-term liabilities 118.7 126.0
Long-term debt 376.6 151.4
Total liabilities 677.8 447.8
Preferred stock, 5,000,000 shares authorized at both June 30, 2012 and December 31, 2011; no shares were issued and outstanding at June 30, 2012 and December 31, 2011 — —
Common stock, par value $0.01, 90,000,000 shares authorized at both June 30, 2012 and at December 31, 2011; 19,314,195 shares issued and outstanding at June 30, 2012 and 19,253,185 shares issued and outstanding at December 31, 2011 0.2 0.2
Additional capital 1,015.5 998.4
Retained earnings 122.6 84.4
Common stock owned by Union VEBA subject to transfer restrictions, at reorganization value, none at June 30, 2012 and 2,202,495 shares at December 31, 2011 — (52.9)
Treasury stock, at cost, 1,724,606 shares at June 30, 2012 and December 31, 2011 (72.3) (72.3)
Accumulated other comprehensive loss (82.4) (85.0)
Total stockholders' equity 983.6 872.8
(1) Please refer to the Company's Form 10-Q for the quarter ended June 30, 2012 for additional detail regarding the items in the table.
Reconciliation of Non-GAAP Measures - Consolidated
Quarter Ended Year-to-date
GAAP operating income $ 39.6 $ 14.7 $ 85.8 $ 34.5
Mark-to-market ('MTM') (losses) gains (0.1) (9.5) 3.0 (5.2)
Other operating NRR items1,2 0.4 0.3 5.6 (0.9)
Operating income, excluding operating NRR items 39.3 23.9 77.2 40.6
Adjusted EBITDA3 $ 45.9 $ 30.3 $ 90.1 $ 53.3
GAAP net income $ 21.0 $ 4.1 $ 47.5 $ 14.9
Operating NRR Items (0.3) 9.2 (8.6) 6.1
NRR MTM (gains) losses on convertible bond and related call option (0.7) 3.6 (1.2) 1.9
Tax impact of total NRR Items 0.4 (4.9) 3.6 (3.0)
Net income, excluding total NRR Items (net of tax) $ 20.4 $ 12.0 $ 41.3 $ 19.9
Earnings per diluted share (GAAP) $ 1.09 $ 0.21 $ 2.48 $ 0.78
Earnings per diluted share, excluding total NRR items $ 1.06 $ 0.63 $ 2.16 $ 1.04
(1) Other operating non-run-rate items in the Fabricated Products segment primarily represent adjustments to plant-level LIFO. Other operating non-run-rate items in All Other primarily represent non-cash net periodic benefit income related to the VEBAs and environmental expense.
(2) NRR is an abbreviation for Non-Run-Rate; NRR items are pre-tax.
(3) Adjusted EBITDA equals operating income excluding operating non-run-rate items, plus depreciation and amortization.
CONTACT: Investor Relations Contact:
Melinda C. Ellsworth
Kaiser Aluminum Corporation
Public Relations Contact:
Dave Quast


text:
aspiring2live —
Geek at the cool table, cool at the geek table. ( aspiring2live) wrote,
Geek at the cool table, cool at the geek table.
aspiring2live
Evan and the Spelling Bee
Some of you will remember that Evan was participating in spelling bees last year (4th grade) and advanced to the one sponsored by the local newspaper. The next step from there was the Scripps National Spelling Bee, but alas, he placed out of the top ten (but only about 18th!). Then, too, he was a 4th grader competing against kids up to the 8th grade!
This year, today, he competed against seven other 4th and 5th graders in his school. This time he placed 2nd there. Actually, he did the same last year at his other school, but then the top three went to the next competition, where he won.
I was so proud of him! He did very well in the competition, and was the only person who had missed no words when it came down to the last two spellers. (They did double elimination, meaning a person had to miss TWO words [in two different rounds] before being disqualified.) If they had followed the rules of the national bee, Evan would have probably won. As it was, he lost to the boy sitting next to him, and turned and immediately shook his hand, congratulating him. To me, that was the most important part of the whole event!
I was even more proud and impressed after speaking to Evan and seeing just how much he was hurt at losing. What a sportsman-like gesture that was for an 11-year-old under those circumstances. We were given a further compliment by the lady who coordinated the bee when she told us that it was obvious that we had spent considerable time teaching Evan good manners because he was so well behaved during the bee.
He lost, but I don't think I could have been any more proud if he had won!
What is most surprising to me now, is how much I hurt for him. I will feel better when I've had more of an opportunity to talk to him about it and reiterate the "important stuff." He seemed to recover well, and was doing fine when we left.
Oh yeah, we got Josh out of class so he could sit with us and watch his brother compete. He was tolerant though not overly thrilled (I mean, he's six!) But as soon as Evan lost, Josh said, "I don't feel very good." Allie said, "But Evan did well!" "But he didn't win." Josh was empathizing! As much as they argue and fight, at school they have each other. That's something else I'm proud of and happy about. When they are out in the world, they know to always have each other's back. Wow! I'm so impressed with them both.
Allie insists that I tell you also that the boy who won had won this school's bee last year, and he looks like Neville Longbottoms in the Harry Potter movies. ;-)
Tags: evan, josh, spelling bee
Today was the day. I have been on a weight loss program since July of this year and am making great progress, being nearly 50 pounds down so far.…
Day 3 of my all liquid diet. So far so good. I have experienced a bit of hunger the first few hours I'm up, but it resolves and I'm fine after that.…
A Life-Changing Event
This entry will remain private until I have completed this goal. I have come here many times to talk about my weight, my health and my diet and…

redpajama_set_name: RedPajamaCommonCrawl


Families across the globe are getting ready to rumble with their own WrestleMania XXVIII viewing parties on Sunday, April 1 to watch the annual pop-culture extravaganza with their children and friends. This year's most highly anticipated main event ever in sports entertainment history features "the most electrifying man in all of entertainment," The Rock® against WWE Superstar John Cena®. Best of all, WWE programming is now Rated PG as WWE is committed to family friendly entertainment.
Click here to visit WWE's Website.
US entries only and one entry per person. Winner will be chosen on March 24, 2011.
* We received a complimentary WrestleMania Party Kit for review no financial compensation was received.


text:
using System;
using System.Globalization;

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/// GetFormat(System.Type)
/// </summary>

public class NumberFormatInfoGetFormat
{
    #region Public Methods
    public bool RunTests()
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        //
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    #region Positive Test Cases
    public bool PosTest1()
    {
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        try
        {
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            Type formatType = typeof(NumberFormatInfo);
            object obj = nfi.GetFormat(formatType);

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            {
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                retVal = false;
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    }

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            {
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                retVal = false;
            }
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            TestLibrary.TestFramework.LogInformation(e.StackTrace);
            retVal = false;
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    #endregion

    #region Nagetive Test Cases
    //public bool NegTest1()
    //{
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    #endregion

    public static int Main()
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        {
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            TestLibrary.TestFramework.LogInformation("FAIL");
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    }
}

redpajama_set_name: RedPajamaGithub


Our New Home Consultant will welcome you and find out what is most important to you, your family, and your lifestyle. You will be introduced to our showcase of floor plans and be invited to walk through our model homes where you'll be shown the features and quality that goes into each new home.
Land has to be acquired before building a home. If you already own land we can go right to the next step. If you do not own land, your New Home Consultant can advise you where to find land.
Building a new home is one of the largest investments you will ever make. At some point in the process it is essential for your New Home Consultant to learn the price range of what you want to spend. This will allow them to design the perfect home that will fit your budget.
Designing your custom home is easy. We have over 60 floorplans that can be customized to fit your lifestyle or you can bring your own custom floorplans to us. Your New Home Consultant will design your custom home for free!
Now is the time to turn your house into a home. Our show room features many name brand products for the interior and exterior design of your home. You will select everything that goes into your home, from cabinets to floor coverings, from windows to brick. It truly is a one-stop shop.
Your New Home Consultant will now give you an accurate price. You will receive the final price in a detailed written proposal which will include the plans and specifications.
If you need a loan, Homeway Homes is associated with a number of banks and lending institutions. Your New Home Consultant will give you recommendations or you can use your own bank.
After signing the contract, you will be assigned your own Project Manager to oversee the entire house construction process. The building of your new home will now begin!
This is an amazing day! Your new home will arrive to the site and will be permanently secured to its foundation. The finishing touches will be made such as site-built garages, porches, decks and driveways.
Once you are completely satisfied with your home, your Project Manager will give you an in-depth review of the operation of your home. You'll be given the door keys and the home is now yours to enjoy.


text:
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GSB's Program Helps Early-Stage Businesses Gain Financial Confidence
Regional businesses partake in third session of community bank's Forward with Funding program Thirteen small businesses including KinoTek, Fyood Kitchen, OpBox, Hemphill's Horse, Seed and Saddlery, and GTFO Escape Room recently participated in a two-day, hands-on workshop created to help Maine entrepreneurs better understand their businesses' financials. The program, called Forward with Funding, was created...
Our Newest Branch is Now Open in Yarmouth
Gorham Savings Bank has opened its newest branch in the historic Grand Trunk Railroad Depot on Main Street Yarmouth, after a year-long restoration project. The restoration project is a collaboration with historic preservation property developer and owner of the Depot, Ford Reiche, who has rehabilitated four other properties listed on the National Register of Historic...
Gorham Savings Bank to consolidate and focus on meeting the growing demand in Greater Portland area
Gorham Savings Bank has notified its customers of plans to close its Kennebunk location on November 1, 2019, citing geography and administrative challenges as the primary reasons. "After a long evaluation we found Kennebunk, while a very attractive market, is simply too far outside our primary geographic footprint to operate, administer and staff satisfactorily," Gorham...
GSB Maine Marathon Selects Five Maine Nonprofits As 2019 Beneficiaries
Over $100,000 will be donated to local nonprofits again this year Bob Dunfey, the volunteer race director for The Maine Marathon and Steve deCastro, president and CEO of Gorham Savings Bank, title sponsor since 2010, announced today that Eastern Trail Alliance, Rippleffect, Girls on the Run, WinterKids and Portland Community Squash are the five primary...
Steve deCastro, On The Record with Mainebiz
This article originally appeared in Mainebiz. Written by Renee Cordes. Photo by Jim Neuger. Steve deCastro is president and CEO of Gorham Savings Bank, which has over $1 billion in assets, 13 branches in Maine and close to 200 employees. DeCastro, who joined Gorham Savings in July 2016 and became CEO on Jan. 1, sat down with...
Kim Donnelly Talks About Preparing For A Business Loan
This article originally appeared in Mainebiz. Written by Kim Donnelly. If you own a business, you know what it's like to see — and want to seize — an opportunity. And often, such opportunities require an infusion of capital. By applying a smart business loan to a smart business idea, you can jump on that...
The Application for LaunchPad is Now Open
Local entrepreneur Ford Reiche joins as an event judge in this year's business competition Gorham Savings Bank is now accepting applications for its seventh annual LaunchPad small business competition. In the competition, the premier event of its type in Maine, promising small businesses will compete for a $50,000 grant from the bank. The application opens today...
Wish Tree Program – November Wishes Granted
79 Maine families and individuals were recipients of community member wishes totaling $150,000. The initiative, called the GSB Wish Tree, was conceived and implemented as a way to give back to the community as the bank marks its 150th anniversary. The bank received an overwhelming number of wishes, bringing to light the many challenges Mainers...
GSB President Steve deCastro Named CEO
Gorham Savings Bank has named current president, Steve deCastro, its new chief executive officer (CEO). He takes over for Chris Emmons, who is retiring after 15 years of service with Gorham Savings. The transition was initiated in early 2018 as part of the bank's succession plan. deCastro joined GSB in July 2016 as executive vice...
Wish Tree Program – September & October Wishes Granted
Gorham Savings Bank granted 14 wishes in September and October totaling nearly $20,000 as part of its 150th anniversary Wish Tree program. With a goal of granting $150,000 worth of wishes in 150 days, the latest wishes granted included lumber for an elderly Standish woman whose neighbor wanted to build her a porch, eye exam...
Wish Tree Program – July & August Wishes Granted
Gorham Savings Bank granted 20 wishes in July and August totaling $20,000 as part of its 150th anniversary Wish Tree program. With a goal of granting $150,000 worth of wishes in 150 days, the first and second round of wishes fulfilled included snow plow service this winter for a working single mother in Waterboro, plane...
GSB to Celebrate 150 Years by Granting $150,000 Worth of Wishes over 150 days
Gorham Savings Bank, in celebration of its 150th anniversary, announced it will grant up to $150,000 of wishes over 150 days as part of a community giving program called Wish Tree. Putting their own spin on the age-old tradition, the Bank placed a Wish Tree in each of their branches and is inviting customers...
Gorham Savings Bank Announces Winner of $50,000 LaunchPad Grant
North Spore of Westbrook, a returning finalist from 2017, who produces specialty mushrooms, mushroom products and mushroom spawn took the top prize at Gorham Savings Bank LaunchPad competition and its corresponding $50,000 cash prize. The company was chosen from among five finalists who pitched their small business concepts Tuesday night to a panel of independent...
Community bank works to help Maine entrepreneurs be more financially confident
15 small businesses including North Spore Mushroom Company, Two Fat Cats Bakery and Tito Masonry & Construction recently participated in a new five-part workshop series created to help Southern Maine entrepreneurs better understand their businesses' financials. The program, called Forward with Funding, was created by Gorham Savings Bank along with seasoned business coaches Michelle Neujahr...
Gorham Savings Bank Announces Finalists for $50,000 LaunchPad Grant
Gorham Savings Bank, a leading Southern Maine financial services institution, has selected five Maine businesses as the finalists of its annual LaunchPad small business competition. From an applicant pool of over 180 businesses, American Roots, Bangs Island Mussels, Blue Ox Malthouse, North Spore, and Wallace James Clothing Co. rose to the top and will move...
Long-Time GSB CEO Chris Emmons to Retire
Bank announces new president, board chair, and vice chair as part of new succession plan. Gorham Savings Bank, a leading Southern Maine financial services institution, announced today that after 15 years of service Christopher Emmons, president and CEO, will retire at the end of this year. Stephen deCastro has been promoted to president, and Katherine...
$50,000 LaunchPad Competition Enters its Sixth Year
The 2018 application period for Gorham Savings Bank's LaunchPad competition opens March 15. Gorham Savings Bank will begin accepting applications for its sixth annual LaunchPad small business competition on March 15. In the competition, the premier event of its type in Maine, promising small businesses compete for a $50,000 grant prize from the Bank. ...
GSB Hires Senior Credit Officer
Gorham Savings Bank, a premier southern Maine community bank, has hired Josh Steirman as Senior Credit Officer. Steirman most recently worked as a commercial bank examiner and team leader for the Federal Reserve Bank of Boston. Prior to that, Steirman worked as a Senior Bank Examiner for the Massachusetts Division of Banks. "We...
GSB Adds Experience and Expertise with New Hire
Gorham Savings Bank, a premier southern Maine community bank, has hired seasoned Commercial Lender Nicholas Weightman, CRC®, to join its commercial lending team. Weightman was recently Vice President, Commercial Loan Officer at TD Bank. His experience ranges from tax-exempt financing, SBA, CRE and construction loans, to interest rate derivatives, acquisitions, and public company sales and...
Building On Last Year's Success
AEC Women's Basketball Returns To Portland Gorham Savings Bank has partnered with MaineHealth as presenting title sponsors for the America East Conference Women's Basketball Championship in 2018. Portland will host the tournament at the Cross Insurance Arena for the second consecutive year. Thousands of fans attended three sessions of quarter and semifinal games last season....
An Easier Way To Pay In Stores
Introducing Google Pay, Samsung Pay and Apple Pay! Enroll your Gorham Savings Bank MasterCard® Debit Card and spend less time at the checkout. Google Pay, Samsung Pay and Apple Pay allow you to use your debit card directly from your compatible mobile device. Your card number is never stored on your device, and when you pay,...
Introducing the GSB Community Board Room
The GSB Community Board Room in Handy's Market on Main Street in Yarmouth is now open! It can be reserved for community and business related meetings. There is no cost to use the room. Private Room with Large Board Room Table (sits 10-12) Capacity of Approximately 20 55″ Flat Screen TV with Cable Wi-Fi and...
GSB Presents Emerging Idea Winner with $10,000 Grant
Thomaston company utilizes a natural resource native to Maine American Unagi, a company that harvests Maine glass eels, or elvers, and raises them to market size, was presented with a check for $10,000 on Monday by Gorham Savings Bank CEO Chris Emmons. The $10,000 grant and $10,000 worth of in-kind marketing and PR services was...


Every Occupational Therapist (OT) and Occupational Therapy Assistant (OTA) shall complete 24 contact hours of continuing education (CE) relevant to the practice of occupational therapy during each prerenewal period as a condition of renewal. License expires on December 31st of every odd-numbered year.
A prerenewal period is the 24 months preceding December 31 in the year of the renewal. 24 contact hours of continuing education (CE) is equivalent to 12 units of Continued Competency Activities (CCA) (2 contact hours = 1 unit).


(l-r) Lakita Wilson, Stephanie Hobbs and Deara Sewood - the friendly and talented staff at Grecian Gyro.
Despite its often being made of meats of unknown origins, a good gyro is a mighty fine thing. And I haven't been able to find any satisfactory ones in town, despite a rather extensive search my son and I conducted this summer, as he shares my hankerings for the hunks of meat.
The Grecian Salad - see the huge chunks of feta?
On the suggestion of the manager, Deara Sewood, Chris ordered the Souvlaki plate, made with grilled pork tenderloin. Which gets me to the reason the food at Grecian Gyro is so much better than similar places. The food is made with fresh, high quality ingredients. It can be rare to have pork cooked correctly but his pork tenderloins was so tender and deliciously seasoned.
We were almost out the door when Stephanie Hobbs, the grill operator who had cooked our gyro and Souvlaki to perfection, pointed out the Spanakopita. "Just get one to go," she urged. Well we got it to go but it didn't go far. It wouldn't be nearly as good cold, I reasoned. I'll never get the chance to find out because one of these will never last that long. It was warm, tender, flaky and gone in about 20 seconds.


We won't lie – gin is one of our favorites. This clear, refreshing spirit pair wells with a variety of fruits, herbs, and other mixers and can be the perfect base for a summer cocktail. Whatever your preferences, we're betting at least one of these gin-based cocktail kits hits the spot.


IMAGE: Meenhard Herlyn, D.V.M., D.Sc., is director of the Melanoma Research Center at The Wistar Institute.
PHILADELPHIA–(Jan. 7, 2016) — Melanoma patients who receive treatment with targeted therapies experience an initial response that feels like a cure, but that early excitement is quickly dampened when patients relapse as their cancers find alternative pathways in our cells to grow and spread. With melanoma so good at escaping targeted treatments, there's a dire need to halt these cancers in their tracks to prolong good responses and promote longer, healthier lives.
Now, by utilizing a revolutionary method that allows mice to serve as "avatars" for patients, scientists at The Wistar Institute have shown that a previously ineffective targeted drug for melanoma may actually be quite potent in halting the progression of disease in certain patients.
The findings were published by the journal Clinical Cancer Research.
Personalized medicine holds enormous promise for melanoma patients. Melanoma accounts for only about five percent of all skin cancer cases, yet the disease is responsible for about 75 percent of all skin cancer deaths. Since specific mutations are responsible for melanoma growth and proliferation, drugs that target mutated skin cancer cells are an attractive treatment option. For example, the gene BRAF is mutated in about half of all melanomas, leading to aberrant activation of an important growth pathway. Drugs that inhibit activated BRAF can extend the lives of patients.
However, almost every patient who receives drugs eventually relapses and no longer responds to initial treatments. That's because the melanoma cells become aware of the blockade and find an alternative survival mechanism. Researchers are now studying these melanoma "escape routes" in the hope of cornering cancerous cells with combination treatments that don't allow them to survive.
"There are about fifteen routes of escape that we've identified in melanoma patients, and it is never easy to predict which one will be used in any given patient," said Meenhard Herlyn, D.V.M., D.Sc., director of the Melanoma Research Center and Caspar Wistar Professor in Melanoma Research at The Wistar Institute, and lead author of this study. "These melanoma cells will do anything to get reactivated."
To identify escape routes and test therapeutic treatments that block the spread of the disease, researchers at Wistar are using a revolutionary method called patient-derived xenograft (PDX) mouse models. Researchers implant tumor samples from patients into mice, thereby creating avatars for individual patients. One tumor can be studied in a pool of mouse avatars. This allows researchers to study different drugs and combinations of drugs to see how one type of tumor will respond.
In this latest study, the team at Wistar used PDX models to test tumors from patients who had received a BRAF inhibitor and then relapsed after treatment. In addition, observing mutations in genes such as NRAS and MAP2K1 – which are known escape route genes for previously treated BRAF-mutated melanomas – the scientists also observed amplification of MET, which suggested a possible new mechanism of resistance.
Wistar's team used this information to test a combination of targeted therapies as a means of halting disease progression. A MET inhibitor called capmatinib, currently in clinical trials, showed significant tumor regression when used by itself to treat melanoma, but the results were only temporary, meaning that an amplification of MET was not the sole driver of tumor growth. However, when capmatinib was given in combination with encorafenib (a BRAF inhibitor) and binimetinib (a MEK inhibitor hitting the BRAF pathway), the researchers observed complete and sustained tumor regression in all animals who received this combination.
"Historically, MET inhibitors have not shown much activity in melanoma patients," said Clemens Krepler, M.D., research assistant professor in the Herlyn Lab at The Wistar Institute and first author of the study. "While our findings need to be validated in more robust trials, this study provides evidence than MET inhibitors given either after or at the same time as BRAF inhibitors appear to successfully halt the progression of the disease and may considerably lengthen response and overall survival in melanoma patients."
This work was supported by the National Institutes of Health grants PO1 CA114046, P01 CA025874, P30 CA010815, R01 CA047159, and RO1 24 CA174746-01, with additional support provided by Novartis and the Dr. Miriam and Sheldon G. Adelson Medical Research Foundation. Core facilities support was provided by the Cancer Center Support Grant (CCSG) CA010815 and P30CA016672.
Other co-authors of this study from The Wistar Institute include Min Xiao, Katrin Sproesser, Patricia Brafford, Batool Shannan, Marilda Beqiri, Qin Liu, and Ashani Weeraratna. Other co-authors of the study include Wei Xu, Bradley Garman, Katherine Nathanson, Xiaowei Xu, Giorgos Karakousis, and Lynn Schuchter from Abramson Cancer Center at the University of Pennsylvania in Philadelphia; Gordon Mills and Yiling Lu from The University of Texas M.D. Anderson Cancer Center in Houston; Tamer Ahmed and Poulikos Poulikakos from Icahn School of Medicine at Mount Sinai in New York City; and Giordiano Caponigro, Markus Boehm, and Malte Peters from Novartis Oncology Translational Medicine in Cambridge, Massachusetts.
The Wistar Institute is an international leader in biomedical research with special expertise in cancer research and vaccine development. Founded in 1892 as the first independent nonprofit biomedical research institute in the country, Wistar has held the prestigious Cancer Center designation from the National Cancer Institute since 1972. The Institute works actively to ensure that research advances move from the laboratory to the clinic as quickly as possible. On the Web at http://www.wistar.org.


A Russian couple who adopted a wild cougar as a pet has thousands of followers who watch their feline's daily frolics on the cat's dedicated social media accounts.
Despite his impressive paws, muscular body and a powerful tail, Messi is still a child, trying to win the attention of the couple's other, more conventional, six-year-old feline. "[Messi] does not get along with our cat. He wants to play with her, but she beats him hard with claws, hissing at him." Messi, though, cannot hold a grudge for long, as any child, Aleksandr adds.
Having spotted the cougar at a local contact zoo a year ago, the couple spoke to the owners who agreed to give the animal to them.
The couple capture their unusual pet in its daily setting, sharing pictures and videos of Messi on his own Instagram account with some 149,000 followers. Footage depicting Messi helping carve a Halloween pumpkin, messing with a Christmas tree or meeting a hedgehog, attract thousands of daily comments and likes.
However, not everyone feels easy about the idea of having a feline predator as a pet. This is particularly true after this week's incident in the Moscow region, in which a panther held in a private zoo mauled a man to death after he entered the cage to feed the animal. The owner, a Moscow businessman who is said to have ten other predators in his private zoo, has reportedly refused to euthanize the not-so-friendly panther.


Take a closer look at Geotechnical Reports and their practical uses for design consultants. This topic will include an overview of what all should be included in a geotechnical report to help owners and architects prepare adequate scope of services for their consultants. The material will also cover how different consultants in the design process can make use of the geotechnical report, as well as, how owners and other professionals can use them to make practical decisions on site selection, building type, and even overall layout. In the end, you will walk away with a more diverse view of how to use these reports to best suit your interests. The presenter, Michael Howell, combines his vast experience in many sides of the construction industry with his experience as a professional 'Ghost and Graveyard' tour guide to deliver this information in a way that is as enlightening technically as it is entertaining that you are sure to enjoy.


Web address change – www.cbscallan.ie | Coláiste Éamann Rís, Callan, Co. Kilkenny.
The temporary address of http://www.cbscallan.org is no longer in use.
This entry was posted in Breaking News and tagged web address. Bookmark the permalink.


The project investigated the effect of un-measured and under-registered low flows on night-use allowances in leakage calculations, and on estimates of household per-capita consumption.
The study found that the most significant contribution to un-measured and under-registered flows arises from the existence of continuous low flows. Night-use and per-capita consumption monitors need to be adjusted to compensate for the un-measured and under-registered part of this continuous low flow.
Best estimates of the volume flow rate of 'continuous' low flow have been derived during the study and these can be used to compensate for meter non-registration and meter under-registration. Guidance on how to apply these estimates to household night-use and PCC monitors is provided in the report.
The improved understanding of the effect of un-measured and under-registered low flows on night use, and hence leakage calculations, will help the industry to quantify, target and report leakage more effectively.


text:
Q: CSS media: how to run the media code only if scroll bar appears (or how to imitate with JavaScript)? How can I use CSS @media to imitate javaScript for the this condition below?
For instance, I want to run the code inside @media only when the image's height is longer than window's height, or in other words, when only the right scroll bar appears because the image height is too long.
.img-container {
    text-align: center;
}

@media (min-height: 60em) {
    .img-container {
        display: inline-block;
        height: 100vh;
        width: 100%;
        text-align: center;
        border: 4px solid green;
    }

    .img-container img{
        height: 100%;
    }
}

so if I have this image in my html,

         <-- a long image height so run the code inside @media

but if I have this below instead in my HTML,

         <-- don't run the code inside @media

In javascript, if you detect the image height is longer than the screen height, then you run the code to scale down the image, while if it detects the image height is smaller than the screen height, then do nothing
Is it possible with css @media?
This is what I get at the moment:

A: I think this is the answer I am looking for:
.img-container {
    height: 100vh;
    width: 100%;
    display: flex;
    align-items: center;
}

.img-container img{
    max-height:100%;
    margin-left: auto;
    margin-right: auto;
}

redpajama_set_name: RedPajamaStackExchange


I think it's actually more figure shaping than the current uniform. We need to stop making exceptions, equality is treating everyone the same. This is discrimination dressed up as equality. If a female Muslim isn't willing to join the Police because she doesn't like the tailoring of the uniform then she shouldn't join the Police.
What is amazing to me in part is people saying onlookers should assist. They need treatment because they just do not understand reality at all. The attackers must be exposed to serious force. At least a rubber bullet and then live ammo.
Another Muslim fraudster who claimed to be living in Grenfell when he wasn't. This guy got 88k and was charged with fraud and with obtaining leave to remain by deception.
Have you any idea of how many fraudsters have been caught? I tried to count but there seems to be dozens of the rats, it's so sick it's kind of funny too.
over 8k likes "What an ignorant and ridiculous decision. Focus on the insignificant instead to tackle the epidemic of crime. Just what happens when a politically correct appointment is running the Met. The female Met Commissioner is more worried about fashion that crime"
Monkeypox: First cases of rare infection diagnosed in UK - CNN This is something we need here if we value diversity and embracing the other, Monkey pox is welcome and any other disease or malady for that matter.
It does make one wonder how many are fiddling social welfare.


Anyone out there interested in purchasing a Newmar Product (I love mine) should stay away from Altman's Winnebago which is an authorized Newmar Dealer in Carson, California. I normally wouldn't even bother writing this but I'm extremely exasperated with them. I purchased my coach at the end of January. They've had it for almost 6 weeks in total and can't seem to even resolve some simple PDI issues. It amazes me that none of their employees (including the owner) will take any ownership of problems without blaming someone else. I think I will give up and drive the 300 miles to Alpine Recreation in Northern California.
altman rv in san bernardino was so bad at warranty repairs i drove to the factory in nappanee, indiana and spent 5 days there so they could fix everything. was worth the trip. make appointment before you go.
I agree, make a trip to the factory. From everything I have read we plan to take our new 2005 to the factory on Dec 2 so they can fix the punch list that we have put together for them on everything we have found wrong. I would suggest too that you call and make an appt. We called last Monday and they scheduled us for Dec. 2.
You should all be happy to know that Altmans have been dropped from Newmar. 2 weeks ago they were on the Newmarcorp website for a local service, I called Altmans, and they said they would not work on it unless you bought it from them (which they are no longer selling Newmar). Newmarcorp website has replaced them with 2 other local dealerships for warranty, McMahons and Giant RVs in Irvine.
Dan and Leann 2003 Scottsdale 3257 V10 22k towing 24' Crestliner Angler Pontoon or Flatbed w/4 quads. Southern California Weekend Warriors!


text:
module Barometer
  module Query
    module Converter
      class FromShortZipcodeToZipcode
        def self.from
          [:short_zipcode]
        end

        def initialize(query)
          @query = query
        end

        def call
          return unless can_convert?
          @query.add_conversion(:zipcode, @query.get_conversion(:short_zipcode).q)
        end

        private

        def can_convert?
          !!@query.get_conversion(*self.class.from)
        end
      end
    end
  end
end

Barometer::Query::Converter.register(:zipcode, Barometer::Query::Converter::FromShortZipcodeToZipcode)


text:
About Marymead
Marymead Board
Marymead Re-development Proposal
Azure Village
Buy-a-Brick Appeal
Lucy Mitchell
Our Management Teams
Systems & People Unit Manager
I have over 20 years' experience in the community sector, including direct service and 14 years in community sector management roles. Areas of expertise include policy advocacy and communication, organisational development and quality management. Areas of direct service expertise include homelessness, domestic violence and family support. I have have strong project leadership, coordination, and organisational planning skills. I also have a strong track record in delivering projects to support organisation and service improvement. I support innovation and work that is driven by evidence and a strong values base and am passionate about working towards social justice to bring about change in communities.
I commenced employment at Marymead in 2012 and I am the Systems & Administration Unit Manager. I have also previously worked at the YWCA of Canberra as Unit Manager, Advocacy, Membership and Organisational Support Program Manager, Family Housing Outreach Service 2000-2004 YWCA of Canberra, Housing Support Worker, Family Housing Outreach Service 1998-2000.
I have a Bachelor of Applied Science in Health Education, University of Canberra 1994 Accredited CARE Trainer and I am also a member of the General Committee, ACT Council of Social Services.
phone 1800 427 920 or 02 6162 5800
Acknowledgement of Traditional Ownership
Marymead acknowledges the traditional custodians of country throughout Australia and their continuing connection to land, sea and community. We pay our respects to them and their cultures, and to the elders both past and present.


Rita Ora and Ne-Yo capped off their 2012 on stage, performing for "MTV's Club NYE 2013." Dressed in a red suit, the R&B crooner performed his hit "Let Me Love You," and was interviewed by Snooki.
"I want R&B to make a comeback in 2013, and I'ma try to have something to do with that," said Ne-Yo, who introduced Rita.
The blonde bombshell performed her celebratory single "How We Do (Party)" from MTV's studios in Times Square.
"There's nothing really better than performing, so I don't mind," she said.


text:
WhaleFest 2012: A Whale of a Time!
21/10/2012 in Entertainment - Days Out | Tags: conservation, dolphins, environment, global warming, humpback whale, killer whale, oceans, orca, Protection, seal, shark, sperm whale, suba diving, turtle, whale, whale watching, whales
Hilton Brighton Metropole, 27-28 October 2012
WhaleFest returns to Brighton this month with a wild weekend of whale and dolphin inspired activities from 27-28 October.
Following the huge success of last year's event which was attended by over 2,500 people, WhaleFest 2012 will be the largest celebration of wild whales and dolphins in the world and this year's event will be spectacular.
A shoal of ocean inspired enjoyment, WhaleFest will be jam packed with exciting activities for visitors of all ages including:
•	35 life size whales and dolphins, not to mention sharks, seals and turtles!
•	The chance to try scuba diving in the crystal waters of the dive pool
•	A guided tour of a Sperm Whale belly
•	Get splashed on a real-time virtual whale watching trip
•	'Cinema of the Seas' showing new and exclusive marine conservation films
•	'Ocean Storytelling' by acclaimed authors including Lauren St John, Nicola Davis and Gill Lewis
•	A sandy beach to relax on while experiencing the sights and sounds of the deep blue ocean.
Whalefest will see conservationists, divers, whale and dolphin experts and celebrities from across the globe sharing their passion for whales and dolphins with members of the public. Bill Oddie, renowned conservationist and television presenter, Doug Allan, BBC Frozen Planet cameraman, Mark Carwardine from 'Last Chance to See' with Stephen Fry, and Ingrid Visser, from the BBC documentary 'The Woman Who Swims with Killer Whales', are amongst those well known supporters who will be attending and speaking at the event.
WhaleFest is the culmination of a whole week of WhaleFest Fringe activities in Brighton offering a host of music, arts and cultural events themed around whales and dolphins, backed by Visit Britain and Visit Brighton. It will also feature jewellery, artwork, photography, books and DVDs all inspired by whales and dolphins, alongside exhibitors including whale watch tour companies and conservation charities.
WhaleFest 2012 also has a serious message to share. Held at The Hilton Brighton Metropole hotel, the event marks the 30th anniversary of the world's governments vote to suspend the hunting of whales, which was announced outside the hotel in 1982.
Thirty years later, Planet Whale will be inviting the public to support its new campaign – Save The Whales: Reloaded. The campaign aims for the first time ever, to bring people across the globe together to help identify the next generation of Marine Protected Areas.
Visitors to WhaleFest will be encouraged to get involved by using an innovative free online tool to map out areas of the oceans which they would like to see ring fenced for the protection of wild whale and dolphin communities. These will be combined with maps drawn by people across the globe to ensure members of the public, governments, charities and stakeholders all have a say in the future protection of the oceans.
Advance tickets to WhaleFest are now available from £9 per adult at http://www.whale-fest.com. FREE entry for children under 16 all weekend.
« Chance to shape health services for Medway
Kent claims one of the coast's busiest RNLI lifeboat stations »


Montgomery Waters, one of the UKs leading bottled water manufacturers, are located in an area of outstanding natural beauty on the Shropshire /Powys border, nestled beneath a small range of former volcanic hills around the little rural village of Churchstoke in the county of Montgomeryshire.
Commercial Manager at Shrewsbury Town, Richard Hill said "I am delighted that we are able to get Montgomery Waters on board. As a sports club set in the countryside, in an area of spectacular beauty, it seems a perfect pairing with a company that has strong environmental ethics and provides a product that is natural, healthy and sourced locally."


text:
Home >> Universities >> University of Mumbai >> Correspondence-Courses
Mumbai University IDOL
University of Mumbai established the Directorate of Correspondence Courses in the year 1971-72. In 1993, the Directorate of Distance Education was upgraded as 'Institute of Distance Education' and thereof it acquired a status as a 'University Institution'.
At first correspondence courses were started at B.A./B. Com. level but subsequently, post-graduate courses like M.A./M.Com./M.Sc. (Maths)/D.F.M. & D.O.R.M. were introduced.
Mumbai University IDOL Salient Features
The University's distance learning institute has an independent one Library and two Reading Room facilities for the IDE students, with home lending facility.
Printed study materials are available in 240 subjects in English.
Audio-Visual Centre located at Vidyanagari provides Curriculum based Audio-Video cassettes.
Mumbai University IDOL Courses
Postgraduate Degree Courses
MA - Maths
MA - History
MA - Economics
MA - English
MA - Gujarathi
MA - Hindi
MA - Marathi
MA - Philosophy
MA - Politics
MA - Sanskrit
MA - Sociology
MA - Urdu
Master of Commerce (MCom)
Master of Science (MSc) - Maths
Master of Science (MSc) - Information Technology (New Course)
Master of Science (MSc) - Computer Science (New Course)
Postgraduate Diploma Courses
Postgraduate Diploma (PGD) - Management
Undergraduate Degree Courses
BA - Psychology
BA - Commerce
BA - Education
BA - Rural Development
BA - History
BA - Philosophy
BA - Hindi Literature
BA - Marathi Literature
BA - English Literature
BA - Urdu Literature
BA - Economics
BA - Political Science
BA - Sociology
Bachelor of Science (BSc)
Bachelor of Science (BSc) - Computer Science (New Course)
Bachelor of Science (BSc) - Information Technology (New Course)
Bachelor of Commerce (BCom)
Diploma in Financial Management (DFM)
Diploma in Operations Research for Management (DORM)
Mumbai University IDOL Admissions Process
Admissions for all the courses of IDOL start in about second week of July. Admission is valid for five years and if the student appeared for the respective exam then it is valid for life time. Personal Contact Program Center starts in the month of November.
For detailed admission schedule, Click Here.
Mumbai University IDOL Contact Details
Website: http://mu.ac.in/
Telephone: +91-22-2652 7086 / +91-22-2652 3048, 1250-111-007


We weren't expecting this. Toyota's GRMN product line is already surprising – thanks to its European launch product being an Elise-engined, rally-inspired Yaris – but the latest car to wear the clunky badging is this Mark X saloon.If you're unaware of the Mark X's existence, it's an overwhelmingly sensible saloon car that provides transport in a handful of Asian markets, chiefly Toyota's Japanese homeland.
As part of our efforts to upgrade the FCC's major IT systems, we've been working to modernize the Commission's Electronic Comment Filing System (ECFS) to improve the public's ability to engage with the Commission on important issues. Over the last several months, the FCC has been testing a "beta" prototype of a modernized ECFS, as well as engaging with external and internal stakeholders to get input on how to improve the legacy ECFS system to meet today's needs.
Levi's Stadium is proof that everyone wins with American-made steel.
Leander is proud to offer a variety of camps this summer, with something for every child ages 5-12. We will be hosting 5 weeks of camp throughout the Summer of 2017. Each week of camp's information is listed below the Registration information.If you have any questions please feel free to call the Leander Parks and Recreation office at 512-528-9909.


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Choice-The choice I make today doesn't limit the choices I can make in the future.
Flexibility–I can connect to internal departments and external partners that made different technology choices.
Speed–I can build new solutions that involve multiple hardware and software platforms quickly.
Agility–I can adjust to changing business parameters (new opportunities, new partners, new employees) quickly.
Skills–I can find skilled resources that understand these solutions.


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AudiobookReviews
Blacktop Wasteland by SA Cosby audiobook
When our reviewer Rough Justice says 'believe the hype' about SA Cosby's rural noir novel, Blacktop Wasteland, he isn't kidding. His review sketches the fast-paced plot and the significant threats and difficulties the characters face. Suffice it to say that Cosby has achieved that literary…
Blacktop Wasteland
American author SA Cosby has delivered this year's breakout novel. Blacktop Wasteland, set in Virginia, is the story of the downfall of Bug Montage, family man and small-business owner, who has never been able to quite kick the thrills of drag racing and armed robbery….
Blacktop Wasteland by SA Cosby
Blacktop Wasteland has generated a lot of interest over the preceding months with both veteran and new writers queuing up to sing its praises on social media. The hype, especially considering that Blacktop Wasteland is only Cosby's second novel, is quite something. The last time…
Written by James A McLaughlin — For his debut, James A McLaughlin provides an interesting spin on rural noir, itself an increasingly popular genre. Rather than focusing on the drama arising from conflict within poor rural communities, McLaughlin makes his protagonist an outsider. Rice is a…
Say Nothing
Written by Brad Parks — Read the opening lines of this contemporary stand-alone thriller by American author Brad Parks and you pretty much have to keep going: "Their first move against us was so small, such an infinitesimal blip against the blaring background noise of…
KindleReviews
Men at Night
By DeathBecomesHer
Written by Kara Voorhees — Regular crime fiction readers will probably have lost count of the number of 'grizzled police detective tries to solve one last case before his retirement' stories they've come across. Men at Night fits the description too, but it is to…
Smoking on Mount Rushmore
Written by Ed Lynskey — Based in Washington, DC, Ed Lynskey likes to write about the people on the fringes of American society. The folks without steady work, with a little addiction here and there, and perhaps the occasional criminal impulses… especially when they can…


Gidget is a scrappy little mutt that ended up in the pound. After our family adopted her, she received lots of training and was awarded the distinguished title �Therapy Dog.� Now she visits patients with the best of manners. But at heart, she is still a scrappy little mutt.


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Q: How to resume release upgrade after network interruption? When upgrading from Ubuntu 14.04 to Ubuntu 14.10 via wifi (this is not a mistake, some modern computers come only with wifi), the connection was interrupted and reconnected within 1 second after downloading ca. 2.2 of 2.5 GB.
The release upgrader shows a dialog that says something like "Updates could not be downloaded. The system upgrade was aborted". I am again connected to the internet. The dialog has a "close" button which will delete all downloaded files.
How do I resume the downloading of the upgrade packages where it stopped, or when starting from scratch, how do I preserve the already downloaded files?
(Note: This is the second time this happens at exactly the same progress step.)

A: The problem was based on a misunderstanding. A previous upgrade failed because it predicted the not enough diskspace, and ubuntu-release-upgrader nudged me to do sudo apt-get clean which to make free space, which basically cleared all downloaded upgrade files.
I now found out that ubuntu-release-upgrader preserves downloaded packages. It is only confusing that the user has to close and restart the upgrader application and watch how it downloads again package lists (or something like that). After that, it continues downloading only the missing packages (like for me packages #2000–2550).


Builders North Shore: Hand-on or Not?
Many people think the term "builders" refers to carpenters. However, most builders in today's world seldom perform carpentry work. So, if they aren't carpenters, what do builders do?
While some builders North Shore do get involved in hands-on carpentry projects, more of them act in a supervisory manner. We spoke with some of the local North Shore builders who shared with us what they do.
The primary responsibilities of a builder relate to project management. The following are some of the responsibilities according to some local builders.
These elements help to ensure a project is completed in a timely manner even if problems arise. Without builders North Shore services your building project would likely not be as organised or completed on time or within an acceptable time frame.
Builders North Shore: What should you expect of a builder?
For any building project, you should not only understand what builders do, but what you should expect of your builder.
You will find that these requirements are met when you select recommended builders North Shore businesses from a reputable online business directory like Tradebusters.
Three things to do when you are researching, interviewing, and selecting a builder is to look at recommended tradies, make lists of your specifications for selecting one, and get written quotes from several local builders.
Keep in mind that value and quality are the key elements you should seek in builders. Compare quotes and consider the quality of the workmanship, not just the price.
If you want to find a builder in North Shore, why not let our Free Tradebusters Tradesmen Concierge assist you. Our team will speak to you directly about your needs and help arrange the best fit builders for your project from our tried and tested network. You can tell us about your builders needs right here and we will contact you back shortly.
Need help with other local businesses in North Shore?


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This classically designed pen is based on the idea of a skeleton key - used for over two thousand years. The keys were able to open a large number of doors with locks that were similar enough for the key to work. These locks were designed centuries ago and were widely used until the early twentieth century. Many old fashioned skeleton keys were made during an era when elaborate metalwork was prized and intricate decorations and ornamental flourishes were commonplace. Plus, the rustic, authentic look of this antique brass will pair beautifully with any wood blank. The pen features quality brass plating that has been chemically darkened to simulate aged brass, which results in a gorgeous, long lasting brown plating with golden undertones.


When Juan and Zulema Ramos had their third child, they knew it was time for a home of their own.
The two-bedroom house they shared with Juan's father was already cramped for their family, and despite saving up for a place of their own, it still wasn't enough.
But Juan's sister, Paulina, had an idea: She suggested he apply for a home through Habitat for Humanity of Kansas City. Paulina herself was a Habitat homeowner, and Juan had helped her build that home the year before.
"I didn't think I would qualify but she convinced me to give it a shot," Juan said.
Juan worried that if they were selected, his family would have to leave their neighborhood, where they were surrounded by friends and family.
After completing an application with a Habitat KC Homeowner Services coordinator, the family was selected for a large, newly remodeled three-bedroom home with a basement, attached garage, large backyard and a location that couldn't be beaten: their neighborhood, just two blocks from their old house.
Staying in the neighborhood meant that not only could they be close to friends and family, but Juan and his father could start their dream of a father-son business of car and furniture upholstery.
Before they could purchase the home, Juan and Zulema needed to complete "sweat equity" — what Habitat for Humanity calls volunteer hours — and financial education classes.
The couple reached out to their friends and family and asked them for help completing the hours. Juan also called in a favor from his sister who he had helped a year before.
"I called Paulina and said, 'Hey, you remember how I helped build your home?'" he joked.
"We didn't even have to ask her," Zulema said.
With the help of friends and family, they were able to complete all 350 required sweat equity hours in just four weeks.
"We're so thankful for the home and everyone who helped us to get here," Zulema said.
The Ramos family will move into their new home in February, but they are already making plans to continue partnering with Habitat KC.


9 April 2019 - Spandex prices have slightly risen in the last four weeks, over a seasonal rebound of downward textile production. BDO and PTMEG prices have stayed frozen, but MDI prices have sharply rebounded.The level of spandex prices in April-May will depend on a series of factors which are below analyzed. Our monthly report covers spandex and PTMEG prices on the domestic Chinese market, with gross margin trends at spandex plants on a weekly basis. Price offers of major spandex producers are also released. Daily data over the last 12 months and monthly average prices over 10 years are available for download.