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Saturday, November 24, 2012

Parking Bo

Helen demonstrating how to "park".
During our training session with Helen last Wednesday, I learned how to "park" Bo.  It's a maneuver that teaches Bo to sit and go down and prevents him from jumping. The formal name for the command is the relaxed down but I much prefer the more casual "park."

I had the opportunity to practice parking Bo at dinner during Thanksgiving and at the football stadium today. I was happily surprised with how well it worked. I put my foot on Bo's leash to limit his ability to jump up and he went down and relaxed by my side in return for treats.

I also learned how to teach the wait command. I totally enjoyed watching Bo learn this command. It took him a very short time to learn what Helen wanted him to do. It was so cool to watch him figure out what behavior would be rewarded. You could see in his body language that he was thinking. His eyes were flinting back and forth between Helen and the food reward he was waiting to receive. His head was cocking slightly and his body posturing between sitting and down.

Learning to wait.
We will use the wait command when we need Bo to hold-on for a second. I am practicing by having him wait for me to open the door before approaching it and to wait for me to put his food puzzle into his crate before he enters. Helen explained the importance of releasing Bo from "wait" at his side, rather than at a distance. To my surprise, he is understanding that he has to wait for me to be at his side and give the "with me" command before he is released.

This smart little pup of ours, combined with Helen's AWESOME one-on-one training, makes me look like quite a skilled dog owner out in public. In fact, this afternoon at the football stadium a young boy commented on how "smart" Bo was because he was walking at my side on command. The boy exclaimed, "My dog is older and he would never do that. He would just pull me along." (Of course, I don't think the boy noticed the food treats that I was giving Bo each time he hit his mark on the side of my leg.)

Wednesday, November 21, 2012

Anticipation, Enthusiasm and Hope

The past few days I've found myself wondering what it will be like when Bo gives his first alert to Austin's blood sugar. Will it be an alert for a high or a low? Will we recognize the alert or will it take us a few seconds to figure out he is alerting. Will the alert be on a reading within the scent sample ranges that we are training on or will it be out of that range? Will we cry tears of happiness or will we jump with joy? Will the moment be etched in my mind to never be forgotten in my oldest of ages? Today, I can only imagine what it will be like but one day I will know. I look forward to that day with a feeling of anticipation, enthusiasm and hope like that of which I awaited the moment of Austin's birth.

Sunday, November 18, 2012

Downward Dog: Bo on His Yoga Mat

Bo's Yoga mat is portable and easy to clean.
Now 12-weeks-old, Bo is consistently demonstrating his understanding of the commands sit, down and go to your mat and is also chaining these commands. In other words, when I give the go to your mat command, he not only goes to the mat but he sits, goes down and stays without me asking him to do any of these things. He then stays on the mat and waits for his reward and for me to release him. Following our session with Helen on Friday, I've been gradually increasing the distance I've been placing between the two of us.  I've also been been increasing the duration of time between the stay and reward/release. This week we will work toward me leaving his sight for a few seconds and him holding his stay on the mat.
Happy boy, happy pup!
We practiced the go to your mat command with some significant distractions Saturday at Austin's football game. Bo did well staying on his mat beside me as people walked in front of us cheering, clapping, running and looking at him. (Oh the attention he gets when we are out in public. I could dedicate an entire post just to this topic.) I rewarded and praised him generously for being calm and staying next to me on the mat. (When Bo is alerting and ready to work in public. His mat will be where he rests when in a restaurant or in class with Austin.)

There were several times when the distractions were too much and Bo left his mat. During those learning opportunities, I lured him back with a treat and we tried again. I didn't pack enough kibble to treat him through the full game, so once I ran out we changed our focus to sitting with a Busy Buddy chew toy.  I stabilized the toy while he worked to eat the gnaw hide discs.

Bo the diabetes alert dog in training in a sit position on grass.
This week, I'll be adding loose leash walking to our training activities. I learned the mechanics of how to train Bo on this type of walking during our recent session with Helen. Given her experience and skill, Helen's demonstrations are incredibly graceful and fluid. It takes choreography to get the correct body posture, hand positioning, and marker and reward timing. It wasn't easy for me. What was really nice however, is how Helen uses positive praise with her humans too! It's helpful to hear when I've gotten it right!

Diabetes Alert

As part of diabetes alert training, we've been playing 101 Things to Do with A Box. This game is an exercise in thinking creatively for dogs. The idea being for every interaction the dog has with the box, he hears a marker (click from a click or verbal marker 'yes') which is followed by a food reward and verbal praise. I have enjoyed watching Bo find new ways to interact with a plastic storage box in return for a reward. I can see how this game helps to raise a thinking dog.  A trait that will be critical to Bo's success as a D.A.D. for Austin.

We have also been playing a game of find it with kibble. I throw the kibble in the air with the command "find it."  Then I hide the kibble with Bo watching me and I give the command to find it. The goal is to work up to hiding the kibble without Bo seeing where it's hidden and for him to find it.

We continue to collect Austin's low blood sugar scent samples and to use them in conjunction with feeding Bo pieces of kibble out of a set of paper bowls modified to hold  both the sample and kibble. We want Bo to associate the low blood sugar with a food reward. The idea is to condition him to equate the low scent with a food reward.

Bo's Growth

  • 12-weeks-old
  • 21 lbs

Sunday, November 11, 2012

School Yards Are Not Just for Kids

Bo exploring the tree stump steps.
This weekend, I took Bo to the Peter Woodbury School Community School Yard to exercise and socialize. The newly built school yard features a natural landscape, garden, outdoor classroom, covered bridge, raised board walk, as well as a multi-level big toy. It made for a clean, safe and interesting outdoor experience. The same materials and textures designed for great sensory exploration for children, are also great for a pup being trained to be a service dog.

Bo liked running thru the tall grass.
At the school yard, Bo especially liked the tall grassy meadow areas and the rock gardens. He ate grass, found sticks to chew and ran in the open space. He found a couple empty water bottles, which he carried off proudly to chew-up. He also found a deflated soccer ball; it provided entertainment as well. I used treats to lure Bo up the steps of the big toy. The steps had holes in them and were made of metal, so they had an unusual sound and feel.

The Messy Materials section of the school yard was filled with wood scraps, tree stumps and branches, as well as the building creations of students. I clapped blocks together and tapped branches to get Bo's attention. He walked around sniffing the materials and attempted to jump on a raised block creation. When it toppled over he was taken back for a moment but then continued exploring. This area was one of his favorite and we returned to it several times to investigate. The video shows him sniffing and exploring in the Messy Materials.

If it Takes a Village to Raise a Child, What Does it Take to Raise a Puppy?

Bo has his own pillow at Syl and Gil's house
It may take a village to raise a child but to raise a puppy it takes fabulous neighbors. Our neighbors, Gil and Syl, provide Bo with love, attention and exercise when we are at work and Austin's at school. Each day I leave for work, I leave knowing an adventure awaits Bo in a few short hours when Syl comes to our house and brings him to hers. There he runs, plays and gets lots of love. Our family is so grateful for Syl and Gil and incredibly appreciative of their unconditional kindness. Everyone should be so blessed as to have neighbors like the two of them.

Bo in his toy box at Syl and Gil's house.

Austin will tell you he feels right at home at Syl and Gil's house. In fact one day, upon returning from their house, he announced their house is like, "home-away-from- home." If Bo could talk, I know he'd say the same thing. At their house, he has a toy box filled with all kinds of toys, he also has a blanket, pillow and he gets to meet new people. Time spent with Syl and Gil is no doubt playing an important part in Bo's socialization and raising.

Saturday, November 3, 2012

Hair Stylists, Estheticians & Dog Trainers

I've always thought it would be great to be a hair stylist or esthetician because you work with clients who are happy to see you. (I mean really, who doesn't look forward to a salon or spa appointment?) And now, after seeing Bo interact with our obedience and public access trainer, Helen Nicholls, CPDT-KSA, CDBC, I realized this holds true for dog trainers as well.

Bo got treats for going into the tent.
Last Friday, Bo had his first training session with Helen and it was great. He LOVED her and and so did I. Not only is she professional and incredibly knowledgeable, she has a gift for explaining concepts in a way that is understandable to a novice dog owner. Combine her professional skills with her friendly personality and her quick wit and you have a truly positive and fun learning experience for both human and pup.

Our training focused on teaching sit and down with verbal cues and hand signals. Our neighbor Sylvia joined me for the session, so she got to see and hear first hand Helen's teaching instruction. Bo did really well figuring out what it was we wanted him to do and when I didn't give the command correctly, he was very forgiving to my mistakes.  Our homework this week is to practice these two basic commands and continue with socialization activities. Next week, we will learn the command for "go to your place."

Following the instructional session, Helen took us all into her gym where she had set-up a child's tent, soft tunnel, baby gate and crutches. Bo got treats for exploring each one and Helen explained to me and Sylvia how each aided in his socialization. She also explained to us what it meant to be a temperamentally stable dog, as well as answered my questions about the stage of a pup's development know as the "fear period."
Bo was interested in the umbrella.

Helen walked with crutches and Bo was inquisitive; Helen opened an umbrella and Bo was interested; Helen lured Bo over a horizontal-orientated baby gate and Bo bravely walked across the uneven footing. Bo was having a blast and I totally loved watching him play. The last toy Helen brought out was her horse lunge whip, with a soft toy tide to the end. She demonstrated for us how we could exercise Bo while sitting in our living room or standing outdoors.

That's right... a simple piece of tack equipment can provide entertainment and exercise for Bo, while at the same time protecting human hands and feet from the mouth of a teething puppy. Bo loved the play so much, and the idea of letting him get his energy out in a way that didn't involve my hands, feet or other body part, was enough for me to go out and buy a whip. We purchased two one for Sylvia's house and one for ours  at Griffinbrook.  They have been a hit with both boy and dog.


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Welcome to Raleigh Roofs

Residential Roof Replacement, Repair, Siding, Windows, Gutters

If you are looking for a roofing service provider in the Raleigh, Fuquay Varina, Apex, Cary, and Garner, Raleigh Roofs by AMI Builders NC has the solution to your roofing needs.

Raleigh Roofs is a trusted roofing contractor that provides guaranteed top of the line roofing products and services. We are one of the top residential roofing installation contractors in the Triangle and surrounding areas.

We form part of the AMI Builders NC Team, an organization specializing in roofing, roofing installation and home insulation who aims for only the best roofing services quality in North Carolina.

Here at Raleigh Roofs, we guarantee our professional roofing services and top-of- the-line roofing solutions. Certified by leading roofing manufacturers we are one of the top residential roofing installers in Raleigh, Apex Cary, Garner and surrounding areas. We are not the ordinary install-and- go roofers because we go beyond what we offer. We are local, we live work and play in your area and we have a vested interest to do good work.  We plan on being around for years to come.

We provide various roofing services which include roof installation, home insulation, roof repair services, and roof vent installation, new roof construction, siding installation and even window installation and repairs. We can also customize and offer you roofing packages based on your requirements, your needs are our top priority.

The investment into your home means a lot to you, and of course, to us too! That is why we will strive to never disappoint you. Raleigh Roofs by AMI Builders NC will help you cover your largest investment and all the belongings inside.

If you wish to have a free quote, call our Raleigh Home Improvement office at (919) 812-7282. We cannot wait to hear from you!

New Roof Construction

Match your newly constructed or renovated house with the right roof color and style. We will work with you to identify the best roof type and color and install your chosen type of roofing with our new roof construction services.

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Roof Vent Installation

Roof vents improve the ventilation in your house by removing hot air during summer months and the moisture during the winter season. We have a wide array of venting and will install the best ridge vent according to each roof need.

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Roof Repair Services

Does your roof currently leak? Is rainwater slowly dripping down and damaging your ceiling? Do you notice brown spots in some areas? Then you may need some roof repair services.

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Home Insulation

We can insulate your home from hot and cold weather. Live comfortably under a well-installed roof with proper home insulation.

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Other services

Some of the services we can offer you include vinyl siding installation and even window installation and repairs. Just let us know how we can help you and we will definitely attend to your needs.

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Top hacks to make your life easier if you are a new chef in the kitchen!

Cooking is an interesting but not an easy task. It needs a lot of hard work and a focused approach to create delectable dishes. In fact, some people consider cooking as an art. Right from sourcing suitable ingredients to prepare for cooking, from sautéing, frying, kneading, cutting, chopping to serving, it entails a lot of work. Some secret tips and hacks will not only help you save a lot of time but also help in making a lot of preparation activities easier and better streamlined. If you are interested in cooking but a newbie in the kitchen, following hacks can help you make your work easier.

Hack # 1

Baking Bacon can become simpler than ever by using a high-quality oven by Glen India. This high-tech appliance allows you to bake bacon with even consistency and exactly as you would love to have it. There are going to be no raw ends which are quite annoying at times. Trying to bake them results in other parts getting over cooked. This problem can be avoided by preheating an oven and baking it at 400 to 420 degrees Fahrenheit. Preheating the oven is the key to ensure even consistency.

Hack # 2

If you wish to use bread in one of your recipes, but unfortunately the bread available at home is stale, what would you do? It is not yet time to relegate this piece of bread to bread pudding as it has still some chances of revival. You just need to place a slightly moist paper towel in the microwave and place the bread pieces on it. Microwave it for 15 seconds blasts till it becomes soft. You can even use your Glen oven and keep it suspended for 5-10 minutes over a pan of water. It is recommended to pre-heat oven for a while to get best results.

Hack # 3

If you are one of those whose day doesn’t begin without a piping hot latte, this hack is meant just for you. You just need to froth up coffee mixed milk in your Glen microwave, shake it gently in the mason jar and microwave it again to warm it. In no time, you will get a latte that is going to give coffee shop latte a run for its money.

Hack # 4

You love waffles but don’t have a waffle iron to make tasty waffles? No problem, you can use a grill pan and create wavy pancakes with exactly the soul and texture of a waffle.

Hack # 5

You want to prepare a corn-based recipe but don’t know how to shuck corn? No worries, make use of your Glen microwave. You just need to cut off the corn stalk, just an inch above the last line or row or kernels and microwave it for two to four minutes. Holding the un-cut portion, remove and squeeze the husk.

The above hacks can make your life as a cook simple and hassle-free. Just follow them and whip up delicacies of your choice.

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LABEL: DFC RELEASE DATE:December 2003 GENRE: Italodance, Euro House
// review by Jeff

More floor and even MORE filla.

Why, oh, why am I doing this to myself again? Italian dance musician Floorfilla, also known as DJ Cerla on occasion, created what I consider to be one of the worst dance albums I've ever heard. But hey, we all make mistakes. Just look at me: I once ate half a Hot Pocket, thinking that it might actually be edible, only to dash immediately to the bathroom to give my porcelain bowl a gush of terrifying news. And people still give me a second chance in life, so why can't I do the same for poor Floorfilla (or "Poorfilla" for short)? A few years after his debut tragedy, he came back in 2003 with his sophomore effort, "Le Voyage". Let's just see what kind of voyage it actually is.

Things are already looking up because although that ridiculous cartoon drawing of some random child is still in Floorfilla's art, he's no longer holding up the middle finger on the front or back cover. Maybe he realized how ridiculous that is and opted to tone down his image a bit. I'm pleased when artists grow and mature because it shows a strong dedication to their craft and—no, wait, there's a giant cartoon middle finger on the disc itself. Leave it to me to speak too soon.

The party begins with Welcome Party People!, a fitting intro that welcomes me, the party person, with some silly special effects and the shouts of a crowd that was either recorded at one of DJ Cerla's spinning gigs or at a completely different event. We also get to hear the return of Floorfilla's resident MC, the wild-haired rantings of Momo B! Then we drift into Badboy, the track where our pal Momo chants "Am I wrong? Does anybody feeling me up?" ...w-wait a second... Let's just think about this for a second. "Does anybody feeling me up" makes no sense grammatically or logically. Momo, I believe you should be asking "Is anyone feeling me up?" Or, better yet, choose a better question. With his French roots, he may have actually been saying "Does anybody filling me up?", but I don't believe he should be getting filled up by others. The rest of the song is corny, too, but Cerla drops a little acid synth in there halfway through that is easily the most interesting thing Floorfilla's ever composed. Ever. EVER.

After hearing five of Floorfilla's anthems on his first album, it was only natural to anticipate another, and we get it with the aptly-named Anthem #6 (Cassez La Boîte). "La boîte" refers to a nightclub, so they're basically going to turn this mother out! (Thanks, MC Hammer, for that invigorating line.) Momo's back, but the focus on a slightly enchanting melody, first played with fake dream bells, then with a mildly out-of-tune synth that jams the melody down our throat with a bit of a bassline that would put a few subwoofers to the test. This one's the most catchy since Floorfilla's very first anthem (Anthem #1, if you're a math whiz) and actually isn't half bad, all things considered.

Kosmiklove offers a VERY vocoded female robot that seeks intergalactic relations. While the melody didn't blow my socks off into the next county, this song did give me a bit of pause. I think Floorfilla's been getting better at producing in his time off because these songs seem far more polished. Granted, the scent of potent cheese still lingers a bit, but it's not quite as strong as before. I'll give him credit. Same goes for Game Over, a song whose melody you may not immediately remember after a single listening, but you might remember the creepy repetitive voice that churns out one phrase: "I... am... game... over..." Then again, he may be a man with the unfortunate name of Game Over, short for Gameward Lester Over. I still believe he's putting a bit more thought into his melodies and hooks, though. They don't sound like they were copied from a Fisher-Price plastic telephone anymore.

What I didn't expect was a dance cover of a song by the folk rock band America called Sister Golden Hair. The only difference, aside from the genre shift, is that Floorfilla uses a vocoded female studio singer instead of Jackson Browne. Floorfilla also didn't hire a native English speaker, so she just does the best she can with "Seester Golden Hair". But this cover is bad, both in vocals and in uninspired woobly synths. I also didn't expect a French rap about all the different drugs you could take in Le Truc Bidon. I really didn't. Yikes. Ugh. But you have to love Momo B for giving us such great lyrics as the following:

One day I was walkin' the street with my brother,
With a spliff in his hand, you know what I mean,
I asked the brother "What's going on with your head?",
"Do you become a motherf***** basehead?" No, no, no, no...
I don't want you to become a motherf***** basehead!

Now imagine saying that but then squeezing your voice through autotune. It's just that hilariously awful. If the guy is looking for street credibility with his hard-hitting raps, he probably shouldn't be on a Floorfilla album.

Floorfilla Loves You is literally the sound of a bed creaking while a couple makes love, and a strange woman's voice says "Floorfilla loves you" over and over. It's 44 seconds of my life I'll never get back. But wait! I shouldn't have wasted my time on that, if Momo B is to be believed. In Time 2 Move, he clearly states that "If you've got time, don't waste your time, because it's time... you're moving up and down." Well, he's got my vote. After that, it's your typical run-of-the-mill hands-up track that sorrrrrrrta makes me want 2 move but not really. Maybe I could move to prepare myself a nacho plate.

And then I heard 6 Is Danger, and just as when I reviewed Floorfilla's previous album, I buried my face in my hands in disbelief. Check out THESE lyrics, as dictated by a robot woman: "Sex is not religious / Sex is painful / Sex is not polite / Sex is not religious / Sex is painful / Sex is not polite / Sex is dangerous / But I am still having sex". Repeat featuring a male voice. I think they use the same fake voice program that they used in all those old Benny Benassi songs. (They SAY they used real people, but real people don't sound like that.) The rest of the song is impressively monotonous, to the point where I think Floorfilla just wanted to make a song about sex and that's it. Too bad this barely qualifies as a song.

Next up is Mayday!, a popular shout from cruise ship passengers forced to listen to a Floorfilla megamix. This one combines Momo, the female vocoder machine, and a robot, all in one pretty standard dance track! There's nothing wrong with the song — the basic sub synth melody does its job — and you could probably get away with doing the mashed potato or some other fairly dry dance move to this tune. But while we're stuck in this Floorfilla delirium, let's enjoy Le Délire, one of the main singles from this album that's about as inspirational as a poster of a cat hanging from a clothesline with the subtitle "Hang in there, baby... or not, whatever." Le Délire has a melody that's as boring as watching grass turn brown, but the song still tries to pass as a real club-banger. Yes, it IS a banger. As in the sausage.

After the brief and pointless German interlude Was?, Eastern beats enter the room as we check out My Melody. I like the sound of the tabla in dance music, and this beat's simple but effective. I do have to ask, however, why the song is titled thus. Aren't ALL of these melodies yours, Floorfilla? Or am I discovering just now that all of these melodies are just stolen?! DJ Cerla, how could you? As for the song itself, it reminds me of what Pulsedriver used to sound like in his earlier days: fairly simple melody, plus a little bit of vocoded voice. Oh, and Momo B. You can't avoid that guy's shouts. He's the H.P. Baxxter of Italian music, it seems.

And it's not as apparent as here, as Momo even appears to rap in the semi-hardcore interlude track Osama Rave, which is only called that because of a cheesy Middle Eastern chant loop that they threw in for kicks... alongside the regular kicks. And we close out with a jazzy outro in the six-minute rap track, Floor-Fee-La. But this time, Momo gets another guy in there to also sing about smoking things in English, like marijuana and music. This is... goofy.

I'll say this: Floorfilla's skills at making music has definitely improved since United Beatz of Floorfilla in 2000. I'll also say this: he still can't keep many good melodies in my head, and he hasn't learned the value of NOT having vomit-inducing pointless interludes on his album. He hasn't put out another album since then, aside from a general repacking of Le Voyage called Re-Fill featuring extra remixes, a "Gigamix", and a DVD featuring all his music videos. His release schedule has also slowed considerably, having not really put out a proper Floorfilla tune since 2007. Had he kept honing his skills, he might have been able to still compete in the hands-up community, but as such, we'll just have to remember him as the guy who made "Floorfilla Loves You", the track about a creaky bed, sex groans, and creepy voices saying "Floorfilla loves you..." Thanks, man.

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fingerless gloves

most fingerless gloves are a tube with a hole in it. not these. range of emotion gloves are made entirely out of recycled wool and cashmere. the hand part of the glove is stitched separately so that it actually fits and the sleeves are long and elegant. each pair is one of a kind. i wanted to make something that was unique and fun but also affordable for gift-giving. enjoy!

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Monday, August 22, 2011

(73-55) Rangers blown away in shameful display.

Looking a little frustrated on the mound
It was a game to forget as the Rangers fell 10-0 to the White Sox on the south side of Chicago. Derek Holland had the start for the Rangers and showed his inconsistencies and inability to avoid the big inning, as he didn't make it out of the 4th after giving up 5 Earned on 8 hits and 2 walks. Scott Feldman came in the game in long relief and pitched the remainder of the game, giving up another 5 earned on 8 hits and 1 walk. On parallel with the disgraceful pitching performance was the equally disappointing offense (or lack there of). The Rangers could only muster 4 hits and 2 walks, an extremely uncharacteristic showing for the leagues best offense. Lets give some credit to Gavin Floyd on the mound for the Sox who managed to blank the Rangers through 7 innings. The Rangers start all over against the Red Sox today at home with C.J. Wilson (12-5, 3.20 ERA) taking the mound for the Rangers against Eric Bedard (4-8, 3.44 ERA)
First Pitch is at 7:05 CST.


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For Sale: Front and Rear Gear Sets, 4.10s - MA

Discussion in 'Ranger Forum Classifieds' started by Scrambler82, Nov 1, 2013.

  1. Scrambler82

    Scrambler82 Old Guy User

    Gone !

    Front, D35, and rear, 8.8, 4.10 OEM gears, no extra parts just the gears.
    60K street miles with a 3.0L/5sp on both sets, mechanic stated the gears are in good condition.
    Looking at the gears and they show now signs of chipping or wear.

    Make a reasonable offer, Plus Shipping, Insurance.

    These should fit a USPS Priority $18 box, will have to see.

    Paypal accepted ( or cash.
    Last edited: Apr 5, 2014
  2. Ranger Forum Sign Up!

    Join Today - It's Totally Free!

    Are you a Ford Ranger fan? If so we invite you to join our community and see what it has to offer. Our site is specifically designed for you and it's a great place for Ford Ranger Fans to meet online.
    Once you join you'll be able to post messages, upload pictures of your Ford, and have a great time with other Ranger fans. Whether your an old timer or just bought your Ford you'll find that Ranger Forum is a great community to join. Best of all it's totally free!

    Join Today! JOIN FOR FREE

  3. OP

    Scrambler82 Old Guy User

    Anyone re-gearing and want OEM gear with 60K n them ?

    Here is your chance to re-gear for short money.
  4. OP

    Scrambler82 Old Guy User

    I thought I had the rear set sold to liquidsmoke but no money has been transfered so the rear gears are still available.

    Best offer...
  5. OP

    Scrambler82 Old Guy User

    Have no more... Threw out before vacation in California.

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OIL India : Listing Strategy

OIL India is going to list on NSE and BSE on Wednesday,30th September,2009.
There was a good response from QIB and HNI segment. However, the retail segment was oversubscribed 1.76 times. The Current Grey market premium for Oil India is in the range of Rs. 50-60.

Investment Guru is of the view that the stock may list at a modest premium of Rs. 50-100 against its issue price of Rs. 1050. Though the fundamentals of the company are quite strong, it has the inherent limitations of sharing of Subsidy Burden and inadequate geographical spread which would keep a tab on its performance. Though the company has a impressive track record on On-shore drilling, it has yet to prove its expertise in off-shore segment. Read More!

Stock Review : Uttam Galva Steel

Will Mittal factor change the fortunes for Uttam Steel ?

Stock : Uttam Galva Steel

CMP : 113

Book Value: 71.04

EPS (Trailing) : 9.49

As the performance of the stock suggest, Markets had a clue about it ! Uttam steel has already risen by 83% in just One month.  The stock has more than doubled in last 3 months. So what’s the buzz !!!  Global Steel King L.N. Mittal is making a debut in India by acquiring 35% stake in Uttam Steel.

Mittal’s company Arcelor Mittal is all set to become the Co-promoter of the company. The promoters have signed an agreement to sell 5.6% stake in Uttam steel.  Arcelor Mittal will launch an open offer on September 7 to acquire balance 29.4% stake in the company. Mittal is offering a price of Rs. 120 per share for acquiring this stake.

If the offer by Mittal remains unsubscribed, the promoters would transfer further stake to Mittal so that both have equal stake in the company.

How will this deal help Uttam Steel ?

Apart from giving foothold to Arcelor Mittal in Indian Steel sector, the deal would be a facelift for Uttam steel. The association with Mittal is surely going to be big boost to the brand name of Uttam steel.

Uttam steel is set to get better availability of Raw Material. The company already sources around 50% of its raw material from Arcelor Mittal.

It will also have an opportunity to transform itself from a galvanized steel producer to a integrated Steel major. It will have access to latest technology from Arcelor Mittal and access to new product segments and geographies.

Demerger of Power Biz

Another important development is that recently  the Bombay high court has sanctioned the scheme of arrangement between Uttam steel and power and Uttam Galva Steel for the demerger of the power division of Uttam Steel and power into the company. The Scheme has got effective from 21st August,2009.

The demerger of power division will help separate listing of this entity and help shareholders to unlock the value of their investment in the company.

Current Financials

For the Year ended 31st March, 2009 company posted a top line of Rs. 4372 Crore and Net profit of 100 Crore.  Though this was a growth of  over 38% over last year, the profit were lower by 24 Crore on account of high interest outgo and higher operating costs.

Uttam steel clocked a turnover of 1073 Crore for the first quarter of the current year and a Net profit of 34.57 Crore.

Investment Guru is of the view that both the developments i.e., Acquisition of 35% stake by Arcelor Mittal @ 120 per share and Demerger of power division hold good omen for the company and would not only boost its brand image but also enable it to log a impressive growth in coming years.

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kittens, 5 - *OWWW!!!*

This morning, after the 6 am *scamper*, I was blissfully in my Saturday morning doze. Suddenly, there came a yowling, hissing and scrambling from the bathroom. Thinking that the girls were having a knock-down, drag-out fight, I went to check.

I have nice, long curtains in my bathroom, with lacework at the bottom. Collette had gotten one of her rear claws caught in it. The curtain is firmly attached to the rod, which is screwed in to the wall. When I walked in, she tried to climb my left leg to escape. When I sat down to try to free her, she tried to climb, and "kill" my right leg (which is my gimpy leg.) Every time I got close enough to try to free her claw, she went for my hand or my leg - usually my leg.

I limped out, bleeding from where she tried to kill one of my toes, and got the fingernail clippers. When she stopped thrashing as much, I carefully clipped the lace, trying to keep my hand out of the shredder. When I got her free, she was able to retract her claws and run and hide. She seems none the worse for wear, as she was back to playing a little later.

I put the curtains up out of the way, and spent a few quality minutes with a box of bandaids. Silly kitten.

On the bright side, I was able to pet Collette without having her eating. Her purr is bigger than she is!

( 2 comments — Leave a comment )
Dec. 23rd, 2006 10:28 pm (UTC)
Owwww! Koron is getting used to me clipping his claws when they start punchuring me.
Dec. 24th, 2006 08:48 am (UTC)
Momentary paralyzing kitten grip
The fellow sufferer of many kitten shreds, I shall pass to you the special wisdom of the angry/caught helpful kitten grab. It works for a short time and works even better with on leather gloved hand. What you do is distract the kitten claws with your bad hand -- possibly gloved -- and once distracted you grab the kitten by the scruff of the neck from behind. This momentarily paralyzes said kitten. If you can then bring one back leg up to join the good hand death grip on the scruff, most kittens will stop struggling because the back leg will hurt if they do. Not getting the back leg involved means that when the paralysis wears off, as in about ten seconds to thirty seconds, they will scratch, writhe and bite with aplomb. After a few back leg grabs, they usually learn to go with the flow of a scruff grab and, if you always combine some love with early grabs, will eventually purr when scruffed up. LOL Good luck with it. Gladige Yule from the Florida cat lady. Love to you and Data Pard too.
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Friday, October 24, 2008

Gas in New York!

Does anyone need to know how much gas is running in New York these days? No? Well, good because I couldn't have really told you. Although looking at my bank statement you wouldn't believe me, because apparently I used my debit card at TWO gas stations on October 21st in New York!

Wow! I didn't even know I was IN NYC Tuesday! I wonder if I had fun? I wonder if I saw any shows while I was there? I bet I had some great pizza and went shopping!

All kidding aside, when I got home this afternoon there were two messages on my machine. The first one was from Farmer's Bank saying they needed me to call them to verify a transaction made on my card. That made me a little nervous because I haven't used my debit card in a few days. The next message was from Richard saying I needed to check my cell phone because there was an important message on it from him (why didn't he just leave the message again, I'm sure you're asking, as I did...but whatever)! So, I listen to my cell message which informs me our friend at the bank, Diane, had called Richard and told him someone had stolen money out of our account and the bank was canceling my card. This means I have to go to the bank, apply for a new one, wait for it to come in and in the meantime have to use either cash or check. So annoying.

Oh, and in case you're wondering, I'm thinking the thief drives an SUV because two trips to the gas station cost him/her 160 bucks!

I am trying to look at the positive side of this and be very thankful that we have a great bank who actually watches for and was able to catch this! I'm also thankful they will be willing to reimburse us for every penny stolen. And, on some level, I'm thankful for the fact that I truly believe what goes around comes around and that the person who took our money will get his or her comeuppance someday.

Also, wanna know how this was accomplished? I am VERY careful every time I buy off the Internet. I only use secure sites and pretty much every time I do, I use PayPal. So, I was glad to know this wasn't the breech in our security. Apparently thieves are setting up "readers" in swiping machines that make a copy of all of your card information. Then, they transfer it to another card and use it when and where they wish. Argh.

I"m just glad it's Friday and we will be spending the weekend riding horses, painting (fingers crossed), and relaxing.

Happy weekend!

  1. That picture makes me laugh! Sorry to hear about the trouble with your account though. I have had it happen and know several people who have gone through it too. That is sad it is so common!

  2. We had a credit card number stolen a year or so ago. The company called us and asked if we'd signed up for a bunch of online gaming and adult sites. I told them, "nope." They quickly closed the card and gave us all our money back. They were very good to us.

    FYI: I do TONS of internet shopping and I'm a big "paypal" guy too.

  3. I'm so sorry. I worry about it all the time. Glad someone was paying attention and helped you out. Ryan tried to pull an April Fools' joke on me that someone had done the same thing. Needless to say, I wasn't happy about it!

  4. No way!! I'm glad your bank is on it!

    AND Thanks so much for helping me with my lame blog. I picked out a background

    Here is the link:

    You said maybe a picture...I was thinking something black and white?? Like NYC buildings?? (I thought of that before reading about your credit card incident).

    My title as you probably know is Wits and Grins

    And I like this verse: You will keep him in perfect peace, Whose mind is stayed on You, Because he trusts in You. Isaiah 26:3

    What do you think? Am I on to something?

  5. I had my debit card scammed too. Not sure where they got it, but they had my name too. I saw a debit on my bank account from a 'chicago reader'. Seems I placed an ad for a car for sale, in another country! The charge was only $10, and I got my money back, but this person had already set up three accounts on ebay with my debit card, and ebay had notified me in 'my messages' to verify that I had actually done it. We notified them, and they closed those three accounts immediately.

    Since then, I have learned, that whether you use your debit card, or credit card, when they ask you to verify debit, or credit, ALWAYS choose debit. That way, no pin number is required, and the store will not have your pin number on their records. Also, if you use your debit card (and pin number)a lot in one day, you might find that your card will not be accepted. If you run it through again, and choose CREDIT, it will usually go.

    This is definatly a scary world we live in. We discovered our problem ourselves. I'm glad you found out about it quickly.

Comment away, y'all!


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Aug 16, 2011

Poems on the Poetree

Each week we introduce a poem that we put into a poetry book.  We use the poems in many different full group and small group activities.  But one of our favorite parts of using the poetry is watching kids take a poem and just enjoy it.  Sometimes they read it to friends.  Sometimes they act it out.  Sometimes they make it into a song.  Sometimes they just recite it over and over using different voices.  To make the poems available to the kids at all times we put them on our 'Poetree'.  By the end of the year the tree is full of leaves.  Maybe you can have a 'poetree' in your classroom this year!

Ready for the Beginning of the Year
What it will look like after a couple weeks.  Leaves have the poems printed on them.

Jill said...

I love this! It is so cute. I want to teach poetry this year and I have a spare bulletin board... I think this is calling my name. :) Thanks for sharing!

Marvelous Multiagers!

Baggy_Trousers said...

That looks great. Really cute idea! Just wondering, may this lead to the children misspelling the word "poetry?" It may not be an issue at all, just thought that it could be!

Baggy Trousers at A Crucial Week In The Life of an NQT


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You can book an Employer Spotlight event at RDC’s main campus and/or downtown campus, home of RDC’s Donald School of Business.

To book an Employer Spotlight, or discuss any questions you may have,  contact the RDC Career Centre. employmentservices [at] rdc [dot] ab [dot] ca (Email us) or call 403.342.3209.


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Monday, June 16, 2014

Tense but sleepy

I think Reagan slept well last night. I never heard a peep out of her, but this morning I found her completely sideways in her bed, so who knows how long she had been up! She was pretty serious and tense today. No smiles, but no tears either. Definitely on edge. And sleepy. She had speech therapy at 11am and just barely made it through awake. She dozed off shortly thereafter and slept the rest of the day. She woke for a brief period around 6:30pm, but dozed back off shortly thereafter. She's asleep in her bed right now and I'm hoping she'll sleep the night through and wake up feeling much improved! Thank you for continuing to keep our girl in your prayers!

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Clarissa said...

I hope Reagan woke feeling better this morning!!


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Wednesday, July 16, 2014

Nausea strikes again

Reagan had a very restless night last night. She fell asleep with the help of clonidine, but it was a restless sleep and by 4am she was wide awake with all of her covers kicked off! I got up, got her all straightened out and covered back up, but I don't think she ever went back to sleep. She sounded a little agitated so finally around 5am, Mike just put her in her chair in the playroom where she could watch cartoons and she seemed to prefer that. She was actually being pretty sweet and precious this morning and it seemed like it might be a good day. Ryan slept in, which is very odd for him (we did hear him up coughing at one point so we weren't sure how well he slept). He seemed to be feeling fine when he woke up and he guzzled down a full cup of milk. He was on his second cup when I got him dressed and we were headed out the door when the projectile vomiting started! It was A LOT of vomit (all of the milk he just drank) and the poor guy had it even coming out of his nose! He settled down and we just took it easy the rest of the day. Lots of juice to drink, which he loved (it's really just 25% juice, 75% water, but he loves it) and starchy foods like toast, rice, and crackers. He was fine the rest of the day. There were a few times where it seemed like something might come up, but it never did and he otherwise seemed perfectly normal (except for the 3 diarrhea diapers). Anywho, Reagan was OK yesterday. Similar to previous days, very sensitive to noises...we had to keep the television turned all the way down because any little song would send her over the edge. She did freak out when Daddy tried to talk to her when he was home for lunch (tears and all), but she quickly calmed down. I think it's just the tone of his voice that sets her off on days like this. Tonight she got very spitty and was doing a lot of the smacking and swallowing. She had a huge retch and I would have sworn she was going to throw up, but she never did. I did start the Zofran. She did get sleepy thanks to clonidine, but she was just too nauseous to put in her bed. Mike transferred her to her chair where she got a second wind and actually started freaking out a bit. I held off, thinking maybe she'd eventually fall back to sleep, but I did have to finally give her Lortab. That almost instantly calmed her down and she was able to fall asleep. Hoping she can stay asleep and that the nausea leaves her alone tonight. Poor girl. Not sure what any of this means for her MRI Friday, but we will just wait and see. Today is actually Day 11 since her last bad day. I definitely wouldn't call this a "bad day", but she's most certainly on edge. Prayers for both my girl AND boy!!

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Photography sometimes attracts people with a very high opinion of their own expertise, and a predilection for bossing others about. Listen to some of them, and you will be amazed that silver halide photography ever succeeded at all, given that it is so difficult, complicated, and expensive.
Except it isn’t.”
Roger Hicks

This place houses some of the photographs I make that pass at some point through a traditional – some say analogue – wet process. Nowadays, the conventional printing of negatives onto light-sensitive paper is considered ‘alternative’ and ‘old-fashioned’.
I treat this site as diary of my activity in this area, to remind me how I process and print and what chemicals I use. Sometimes the images posted will be successes, sometimes not so successful. Some may end up in the wastebasket – what Tim Rudman calls ‘the learning bin’.

Although I have a permanent darkroom, I tend to have short bursts of activity in it followed by long gaps before the next printing session. Bear with me if you decide to view this site., sometimes it doesn’t change for months then, all of a sudden…

Photographs here may be straightforward silver-gelatin prints from film negatives, others may be toned or alternatively-processed prints made by contact printing pigment-based negatives derived from digital image files*. One thing is for sure, each finished image has spent part of its gestation period bathed in chemical solutions.

Harman Technology's Local Darkroom resource

Click to visit

I offer one-to-one training in film processing and printing and you can find my darkroom listed on Harman Technology’s Local Darkroom site. The site design is a bit flaky, just zoom in north of London until you find Herts Darkness…

Once upon a time, all photography was done this way.

Thanks for stopping by.

Roy Hammans

Note: My main site at www.fine-photographs.co.uk contains a lot more of my photographs (primarily digital), plus material on the photographers Edwin Smith, Raymond Moore and Tony Ray-Jones, as well as articles on Creative Camera magazine and The Cambridge Darkroom, amongst other things…

*For a description of the process I use to create digital negatives, please see the article on my main site.

2 Responses to About

  1. Garry Platt says:

    Interesting blog here about Edwin Smith and Olive Cook’s contributions to the Saturday Book.

  2. Roy says:

    Thanks Garry, a very interesting link. I will add it to the Edwin Smith section on my site, which is currently undergoing reconstruction.

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The Best Ways to See if Fixing and Flipping is Right For You (Before Spending a Ton of Money)

TV shows that center around fixing and flipping make it look fun, easy, and extremely profitable. So, it’s likely that you’ve considered going into the business for yourself. Before you do, you should know that it’s not going to be exactly what it looks like on TV. Below you’ll find the best ways to see […]…

To be up to date with the latest in the real estate industry to can check out our property investing latest news. On the other hand if you are new to real estate investing and desire to start profitable property investing today download a copy of our profitable real estate investing ebook.

Are you contemplating investing in real estate? But you don’t have enough money to do so. Right here is a tip you can use as long as the property seller is willing to negotiate with you.

To be fair, not all sellers will be interested (or even understand) the concept outlined. Your very best wager is to locate a property that the owner has great desire for offering it, whether because of moving, divorce, or frustration with the people renting the place.

Actually, if you are currently renting and thinking about using this strategy perhaps your landlord would be glad to help you out! There are a few variations that could be used depending on you and your seller. Do they desire the market price or are they just desperate to get out of the monthly payments – perhaps facing foreclosure?

The simplest method is to consider taking over their mortgage repayments – called ‘assuming’ the mortgage. You will have to be approved by the original lender to assume the mortgage. If you cannot get approved for an assumable mortgage you may also try a ‘subject to’ assumption where you merely make payments while the property remains in the seller’s name.

You take over the first mortgage and make a second mortgage on the remaining cost of the house with the seller. Offer a high, interest-only payment for a short time period – two or 3 years. Instead of having the money sit down in a bank they can be getting a high interest over two or three years with the remainder due in full at the end of the term.

When the term ceases you ought to be able to refinance the cost, or else you can sell. Unless you strike a genuine bad market the value of the property should have risen in that time.

Most mortgage lenders merely want to make a good investment. While your local bank could still be scared there are a lot of financial lenders that would want to make a deal. Financiers prefare real estate. The mortgage is mostly around 60-70% of the value of the property, so as long as they understand they get their money back in the value of the property if you default, they don’t care what kind of income you make. Complete the deal with a 2nd mortgage created with the seller. If you default they could eventually foreclose on the property and sell it, paying off the existing mortgage in the proceeds.

Now you can observe the complete picture. It is better that seller and buyer can work together. If they can’t wait for a sale, you can still give them their asking price with a little versatility on their part.

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Archives for

Chettinad Fish Curry

Want to know how to make a delicious Chettinad Fish curry? Learn it from the Chef himself! Here we have our friend Chef P, in our virtual kitchen, who is going to share some famous, some restaurant style and some secret recipes with us, in coming weeks !  So stay tuned, friends!!!!! INGREDIENTS for Chettinad […]


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Friday, October 19, 2012

International Geography Olympiad Success

From Scoop (NZ):  International Geography Olympiad Success

In difficult and busy times for the education sector it is always good to have good news, says Professor John Overton. The NZ Geographical Society has received a report on New Zealand successes in the International Geography Olympiad. All four secondary school geographers won medals reports Overton. Their success in 2012 sits alongside those of the five other subjects of the Science Olympiads New Zealand (SONZ); Physics, Chemistry, Biology, Informatics and Mathematics.
The five day Geography Olympiad was held in Cologne, with three testing examination sessions. Scott Cameron and Brent Coleman from Hamilton Boys High School both won silver medals, with Sidney Wong (Hutt Valley High School) and Connor Clemett (Riccarton High School) getting bronze medals. 34 countries competed, with Singapore the overall winner in 2012.

In a separate team competition the New Zealand poster presentation shared the Dr Prill prize for cartography. The team leader, Anna Wilson from Wellington, reported that the team had written the poster material and trained well for the presentation. She said the team always thought they had a good chance with the theme of well-suited to New Zealand. The theme was “Water as a key national resource”.
Professor Overton acknowledged the work of the teachers who had led New Zealand international teams in Geography since 2006. “They do a great job, and allow our students to be excellent ambassadors for the country, taking our culture and our landscapes to an international audience”. He also noted the value of a government grant that meant students had to raise only about 50% of their fares and participation costs.

New Zealand successes in Cologne. From left, Sydney Wong (Hutt Valley), Scott Cameron and Brent Coleman (Hamilton Boys) and Connor Clements (Riccarton) show off their medals.

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Monday, November 18, 2013

Advanced Traffic-Getting Strategies! (Free Webinar)

Get confirmed for the upcoming training that my friend Vick Strizheus is doing Tuesday, Nov. 19th @ 9:00PM EST... On: "Advanced Traffic-Getting Strategies"

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All comments that lack "substance" (e.g., "great site") will be summarily deleted! This of course will eliminate your valuable linking ability as well. All I ask is that you add to the original post and stay on topic. If you can do that, your comment will be approved!

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Dear Terry: you have the whole internet behind you. The Crews Crew is ready to cruise. We love you, man. Fight the good fight.
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Love ya, Amazon

Easily my 2 favorite companies right now are Google and Amazon. Google seems to get smarter by the day…have you seen the new Google Docs stuff they got goin on? It’s crazappy! And then there’s android (you’re soaking in it, since I’m writing this on my droid). And Amazon just seems to have most of the stuff I need, er, want right now (what can’t you buy on Amazon?). I think we got half of our Christmas on Amazon this year, and I get all my mp3 downloads from them now. But what happened yesterday just blew my mind.

I got my wife a kindle for Christmas…you know, Amazon’s cool, eBook eReader…the one with the display that looks like real paper & ink…the one that can hold something like 1500-2000 digital books…the one that lets you hook up with Amazon’s amazing bookstore, click a button, and download a book in seconds, all without a network anywhere nearby? Well, she loves it and has been kindling away for almost 7 months now. But then, a couple of weeks ago, tragedy…her screen froze on a nasty looking image of one of kindle’s screensavers, with horizontal lines covering a good portion of the screen.

Being the typical tech support rep that I am, I did some investigating and found out that this problem has been occurring with other kindle users for several months now. I told her we’d have to call Amazon and hope they honored their warranty. And being the typical husband that I am, I waited for over a week before I got around to it.

To tell you the truth, I was dreading the conversation I would have to have with a support rep, probably some dude from India who’s way smarter than me but has just enough of a language barrier to turn a 2 minute conversation into 10. So I sent an email from their “Kindle support” page first, and thought I might get lucky and get back an email with detailed instructions…no such luck. Instead I got back an email that essentially said “sorry you’re having trouble with your Kindle…please give us a call…” Crap.

Ok, here we go…gotta call ‘em after all. Luckily I noticed the details in the email that suggested I could initiate the call from the support page, and they would call me back. Really? That’s different…so I gave it a try. Wow…what a support experience. I entered my home number, and about 2 seconds after I clicked submit, my phone rang. An automated message told me there was currently a wait time of less than a minute, and about 30 seconds later a guy came on live…his name, Mike…his accent, American…his help, perfect. They ended up overnighting a new Kindle, and told me I could ship the dead one back (for free) in the same box. She even had access to all the old books she had on her old one, so she’s back in business, less than 24 hours after I contacted Amazon…now that’s customer service.

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Archives for April 9, 2017

Where is Your God Now? The Same Place that He Was When He was Warning You!

    Then whosoever heareth the sound of the trumpet, and taketh not warning; if the sword come, and take him away, his blood shall be upon his own head. -Ezekeiel 33:4 It seems that no matter what the circumstance, no matter how extreme and dangerous things might be, people want to test God’s faithfulness […]


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For me, the word ‘story’ in relation to business and marketing is somehow one of the most teeth-clenching. Not because it has little meaning, but because it can be, and IS, misunderstood tremendously.

Let me explain.

The moment we all hear the word ‘story’ in any context, we start feeling that we need to get extra creative, go beyond the wall into the pink foggy fantasy land, have some great ‘drama’ happening, or have some main heroic character, blah blah.

Not all of us are creative or entertainers or excellent writers (except me, I am!)

People get so carried away by these high false expectations that they forget the actual goal.

And what is the actual goal? Do you know? Can you answer?

Often, it is not just the story but also the narration of it that matters. So if you’re trying to render it in a way that is not you, stop.

Or, if you have been sitting at your work table for 5 days trying to come up with a creative story for your business that will lasso in wonderful customers, stop.

Start with this

This will get you going.

This will smoothen up your first steps.

And then, see where it’s going.

Don’t try to start writing anothe Harry Potter book in your drive to get a creative business story. Start simple.

Because simple is sexy. And it’s what you need right at the beginning to get started.

And then, once you’v got a clear picture of what your initial business identity is turning out to be, think of a flowing narrative.

And good luck, macho!


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Episode 109: The Devil Made Me Do It (featuring Joe Thorn)

Posted on Jan 31, 2016

On tap this week: Les goes all Anonymous with his own website, it’s not like it’s brain surgery, how to get your girl to like beer, can you leave a church over Arminianism, Joe Thorn joins us to discuss the devil, and we discuss the things we’d like to erase out of the Church.

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How to contact us

  • Reinsurance Solutions Ltd 2nd Floor, Suite 240, Barkly Wharf Caudan Waterfront Port-Louis Mauritius
  • Tel: (230) 210-3238
  • Fax: (230) 210 -0525

News & Events

Le groupe mauricien de courtage en réassurance, Reinsurance Solutions, a ouvert une succursale à Londres en y lançant sa filiale Reinsurance Solutions London.
Reinsurance Solutions, qui possède également des filiales au Kenya et en Côte d' Ivoire, est l’un des plus important spécialiste africain en réassurance. Il travaille pour plus de 100 compagnies d'assurance et ce dans plus de 30 pays en Afrique et au Moyen-Orient.

Spécialisé dans le courtage de solutions captives, en plus de produits conventionnels et de réassurance facultative, Reinsurance Solutions propose également des services couvrant les risques politiques, y compris la violence politique, les risques liés au pétrole et à l'énergie, aux sports, aux risques professionnels dangereux, ainsi que des affaires de traité.

Le bureau de Londres va étendre le panel de services que propose le courtier mauricien, en particulier, sur les marchés africains de l'assurance en leur fournissant un accès plus efficace à la capacité technique et financière sophistiquée du marché de la réassurance.

Mr. Khemraj Jingree, First Secretary to the Mauritius High Commission in London,
Mr. Amit Khilosia, Lloyds Manager for Africa,
August Members of the UK Insurance Market,
CEO’s from Africa
Directors and Colleagues of REINSURANCE SOLUTIONS
Ladies and Gentlemen

It is said that a single step is the start of a journey of 1000 miles; indeed that single step for Reinsurance Solutions was taken 20 years ago when Alexander Forbes ventured out of South Africa to realize their Mauritius dream.

Even after an exciting 20 years, it looks as if our journey has just begun as we continue to proceed further in our journey with the opening of our long cherished project here in London.

The company has crossed quite a few milestones over its history, changing ownership twice, the first in 2007 after a Management buy-out, and the second in 2012 when our current shareholders represented here today by our current Chairman John Rowan and our Director Garth Jarvis purchased a controlling stake in the company, and under their Leadership, the new Board has been visionary, encouraging Management to open offices in Kenya and Cote d’Ivoire and now in London.

Many may ask why in London, small as we are, operating in a different continent? If I may put it simply, it is primarily to better service our African clients by a more efficient access to the expertise and capacity available in London and hopefully to be the African “Flagship” in London as far as reinsurance is concerned, and hopefully in the medium term by our presence in this world reinsurance hub, to attract some business from other continents from here.

Distinguished Ladies and Gentlemen, we come here with very high hopes and our promise in London is to live to even higher standards than what prevails in our entire group, with the intention of earning your support and help forge a stronger partnership between the London and African markets.

I would like to thank you all for sharing your valuable time with us this evening and special thanks to our partners who travelled from Africa, at least one of whom I can recognize namely Mr. Mustapha Rawji, Deputy G.M. of Raw Bank of DRC, which is sponsoring the start of their Insurance Company as soon as the market opens up in DRC.

Thank you, members of the U.K market, thanks to Mr. Amit Khilosia and Underwriters from Lloyds, thanks to our hosts “Crispin Speers & Partners” represented by Mr. Raj Rupal and his colleagues who have accorded us their facilities, systems and office space for us to function, thanks to Directors John Rowan and Garth Jarvis and to my Colleagues from Reinsurance Solutions, from Mauritius, Nairobi and London, to be here this evening, thanks to members of the Press and last but not least thanks to our hosts from the prestigious London Capital Club.

Ladies and Gentlemen, before I close, I would like to make some introductions:
First John Rowan, who is Chairman of our Board. John runs a health insurance business in South Africa and in his spare time looks after his winery in Stellenbosch. John is here with his wife Wendy Rowan.
Garth Jarvis, our Director who operates a private equity firm in South Africa.
Shashi Ramdany, who will be our next CEO, after I retire in a few weeks’ time.
Harold Mbati, our Regional Director in Kenya
Robert Brown commonly known as “Rob” who is our broker in London.
Nicholas Armitage shortly “Nick” who is our Managing Director in London, and who joined us only 2 ½ weeks ago, and who is here with his wife Dr. Elizabeth Armitage.

My dear friends, one person who is very dear to me also present here this evening is my son Rupesh Appannah, who after many years as a Lloyds broker in London, has decided to come back home to strengthen our team in Mauritius as Executive Director; I am told that it is his fiancée, also present here today, Miss Hanna Streng who has urged Rupesh to take up the job. The breaking news is that both are getting married under the sun on the white beaches of Mauritius next month, and I do congratulate them in advance.

Our Chairman, John Rowan has travelled all the way from South Africa to be present with us this evening. I would now like to ask him to say a few words, before the Chief Guest, Mr. Khemraj Jingree addresses us.

Thank you.

18 March 2016: Reinsurance Solutions Group today announces the launch of its newly opened London subsidiary, Reinsurance Solutions London Ltd.
Reinsurance Solutions is a Mauritius-based reinsurance broking group trading across Africa with head office in Mauritius and subsidiaries in Kenya, Cote d’Ivoire, and now London. The group, established 20 years ago, has grown to become the largest African-owned specialist reinsurance broker, providing niche reinsurance solutions to more than 100 insurance companies in more than 30 countries in Africa and the Middle East.
The launch of the London office will extend the group’s panel of services to the African insurance markets by providing them with more efficient access to the sophisticated technical and financial capacity of the London reinsurance market. These services include specialty insurance such as political risks, including political violence, financial lines, oil and energy risks, sports and other hazardous occupational risks as well as conventional classes and treaty business. The establishment of a London office will provide Reinsurance Solutions Group with a global platform to attract business from the worldwide markets.
Closing his speech at a launch event held at the London Capital Club on 18 March, Reinsurance Solutions Group CEO, Shiamdass Appannah, said: “We expect the group’s London office to be an African flagship in London, providing our clients with access to the global insurance markets.”

THE OFFICIAL ANNOUNCEMENT has been done yesterday evening at Sofitel Imperial Hotel, Flic-en-Flac, Mauritius. REINSURANCE SOLUTIONS which operates in the reinsurance business sector in Mauritius and Africa, sets up in London.

Shiamdass Appannah, Chief Executive Officer (CEO) of the company said that the official opening will be held towards the end of the year. “It is a great first not only for Mauritius but probably for Africa. Our Company will be a Lloyds Broker”.

The date of this announcement has not been by chance. It was during a gala dinner jointly sponsored by REINSURANCE SOLUTIONS and ALLIANZ AGCS SA, No.1 in Europe and in the world in Insurance. From August 23rd to 26th August, more than 300 delegates of companies from Europe, Asia, Africa and elsewhere have participated in the 38th Annual Conference of the OESAI. One of the topics discussed was the necessity for insurance and reinsurance companies to propose their services to the most remote areas of the African continent.

This conference has contributed to place Mauritius on the world map of insurance and reinsurance. Delegates from the biggest names of this sector, including Allianz, Munich Re, Swiss Re attended it and also delegates from the international press specialized in insurance such as commercial Risk Africa, Cover Magazine, etc.

IN A REVERSE of the usual developments, an African reinsurance broker is to open an office in London to better services its African clients. Shiamdass Appannah, Chief Executive Officer of Reinsurance Solutions, told Commercial Risk Africa at the Organisation of Eastern and Southern Africa Insurers’ annual conference in Mauritius that the firm sends a lot of business to the London markets and it made good sense to have a physical presence in the UK capital. But he was keen to stress:
“We are not opening up to source business in London but to send business to London from Africa.

At the moment we use other brokers to do that.” Mr Appannah said the office will be a small operation to start with and will probably match that of the company’s other new office—in Abidjan. The brokerage also has an office in Kenya and its head office in Mauritius. The key is to be in control of the business, said Mr Appannah, stressing the move was not a reflection of the service it received through its existing broker relationships. “The reinsurers in Africa are more oriented towards treaties than specialised facultative requirements, simply because there is a lack of resources and a lack of knowledge to service these types of products out of Africa. “The African reinsurers will still get their treaty business— we will not send that to London because there is enough capacity in Africa.”

Entering into the debate on capacity in Africa, Mr Appannah said there was simply not enough capacity for specialist risks, such as political risks, oil and gas or aviation on the continent. “It is not a question of capital flight but of servicing our clients,” he argued. “If an African reinsurer can offer the same service then it would make sense to keep the business in Africa.”

Flood risk has increased 12% year-on-year across the world, according to Caspar Honegger, Head of the Flood Team within the Cat Perils unit of Swiss Re.

And, as he told delegates at the Organisation of Eastern and Southern Africa Insurers (OESAI) annual conference in Mauritius recently, that means flood risk is outpacing GPD growth and average losses are growing faster than GPD too.

The cost of an event is escalating as people move to coastal areas, while the cost to the insurance market is increasing as insurance penetration grows, particularly in emerging markets.

Mr Honegger admits it is hard to distil the exact impact of climate change, but it is apparent that it is playing its part in the worsening scenario. “If we look back through 100 years, climate change is a key factor to take into account,” he says.

Risk managers often look for alternatives to the traditional insurance market to transfer risks and captives can provide one such solution. But, as delegates at the Organisation of Eastern and Southern Africa Insurers annual conference heard, the choice of domicile is key in making the right decision for the business.

For risk managers wanting to establish a captive, and for those already with such a vehicle, Mauritius is keen to be seen as the domicile of choice, particularly for those with African interests, delegates at the Organisation of Eastern and Southern Africa Insurers’ annual conference on the island heard. A new captive bill is expected to be presented to the Mauritian parliament this month, which should define a new set of rules and regulations for captives operating on the Indian Ocean island. Becoming the financial services hub for Africa has long been seen to be the aim of Mauritius and its new government is moving fast to reinforce that position. As Roshi Bhadain, Mauritius Minister for Financial Services, Good Governance and Institutional Reform, says it is determined to align financial services with good governance.

Political risk has worried businesses across Africa for decades and, although the reasons for that concern have changed, demand for political risk insurance is surging, as delegates at the Organisation of Eastern and Southern Africa Insurers heard.

Risk managers surveyed during the past two years for Commercial Risk Africa have consistently put political risk, in all its guises, in the top three risks threatening their operations across Sub-Saharan Africa. So insurance products to designed transfer some of that risk off the books might seem like an obvious idea. But as Chris Kirby, Principal Partner at Newbridge Risk Partners, tells delegates at the Organisation of Eastern and Southern Africa Insurers’ annual conference in Mauritius last month, the first question people usually ask him is: “Do I actually need this cover?” However, he says, recent events in Africa show this cover is needed more than ever before. Demand, he says, tends to rise and fall in the wake of some kind of incident. The most dramatic example of this, he says, was 9/11. There were just a handful of players in the market before the US attacks but ten times that today. “Westgate [the Nairobi shopping mall attack] was another learning curve and everyone is seeing an evolving threat,” he says.

In a reverse of the usual developments, an African reinsurance broker is to open an office in London to better services its African clients.

Shiamdass Appannah, Chief Executive Officer of Reinsurance Solutions, told Commercial Risk Africa at the Organisation of Eastern and Southern Africa Insurers’ annual conference in Mauritius that the firm sends a lot of business to the London markets and it made good sense to have a physical presence in the UK capital.

But he was keen to stress: “We are not opening up to source business in London but to send business to London from Africa. At the moment we use other brokers to do that.”

Mr Appannah said the office will be a small operation to start with and will probably match that of the company’s other new office—in Abidjan. The brokerage also has an office in Kenya and its head office in Mauritius.

The QFC Authority has appointed Yousuf Al-Jaida as its CEO, replacing Shashank Srivastava in the role. Al-Jaida joined in 2010 and previously served as its deputy CEO and chief strategic and business development officer. The QFC Authority is the body responsible for developing Qatar’s private sector and marketing the Middle Eastern country’s business centre as a hub for re/insurance business. "Yousuf Al-Jaida has been instrumental in the last year in driving forward the QFC’s broadened strategy. I firmly believe he will continue this momentum and ensure the QFC continues to contribute to Qatar’s economic diversification," said HE Ali Shareef Al Emadi, minister of finance and chairman of the QFC Authority.
Reactions, 10 June

Industry veteran Terry Paradine, a former chairman and CEO of Marsh Asia-Pacific, has become non-executive chairman at Dual Asia-Pacific.Paradine has over 40 years experience in the industry working across the region. In March Paradine retired from his seven year role as chairman of Zurich's Australia board being replaced by Paul Bedbrook. Paradine commented: "I am extremely excited about the opportunity to work with a high growth entrepreneurial business like Dual Asia-Pacific and drawing on my experience I hope to guide them into their next stage of development as a business."
POST, 10 June

The chief executive officer of Faraday, the Gen Re owned group which consists of Syndicate 435 and Faraday Re, is set to step down in March 2016. Paul Ceurvorst will be succeeded by Pietro Toffanello, subject to UK regulatory approval. Toffanello will remain in his current role as Gen Re’s property and casualty regional manager for Asia-Pacific and managing director of Gen Re Australia until August 2015, when he will join Faraday. Damon Vocke, president of General Re Corporation and chairman of Faraday, said: “Paul has made many valuable contributions during his years of service for Faraday, and we wish him all the very best in retirement next year."
Intelligent Insurer, 10 June

The Lloyd’s Market Association (LMA) has appointed Frances Shaw as technical executive of wordings. She will report to Alison Colver, the LMA’s manager of wordings, and will support the drafting of LMA model wordings and work closely with the LMA’s Wordings Forum. Shaw joins from Liberty Specialty Markets where she served as a wordings specialist. She has also worked for Brit during her 19 years in the London insurance market.
Intelligent Insurer, 10 June

Assurant expects to leave the health insurance market by the end of 2016, the US insurer announced on 10 June. The carrier said it had reached an agreement in principle to sell to National General certain business lines and assets, including its supplemental and small group lines, subject to final documentation and regulatory approval. It will also begin to wind down its major medical operations immediately, ceasing sales of its individual major medical, small group fully-insured and short-term medical health insurance policies from 15 June 2015.
Insurance Insider, 10 June

Japanese giant Tokio Marine Group's acquisition of HCC set a new high for reinsurance M&A in the past year, as it agreed to pay a 1.9x premium to the US specialty carrier's book value as of 31 March. Fairfax Financial agreed to buy London carrier Brit for 1.6x book at the start of the year - described at the time as a handsome offer - while Endurance acquired Montpelier Re for 1.2x book. XL's cash and shares acquisition of Catlin for £2.79bn valued the London insurer at 1.61x its trailing net tangible asset value. The HCC acquisition, announced on 10 June, is worth $7.5bn, or $78 a share. The price represents a 35.8 percent premium to HCC's average share price over the past month and a 37.6 percent premium against the price at the close of business on 9 June.
Insurance Insider, 10 June

27th February 2015 --- Reinsurance Solutions, the largest independent reinsurance broker in the African region, has stepped up its regional expansion strategy with the formal opening of a branch in Kenya, effectively covering Uganda, and Tanzania.

The company has been incorporated under the name Reinsurance Solutions Kenya Limited acting as a liaison office for the Group.

While welcoming the new partners, The Group CEO, Shiamdass Appannah, said, “This new branch will enable us to offer our clients a wider range of insurance products due to the wide network affiliation, both local and international, that Reinsurance Solutions has brought on board. I would like to assure our clients of continued excellence in service provision and innovative products that will continue to respond to all your needs”

“The opening of a new branch is the culmination of discussions that started one year ago and we look forward to making a great contribution to the economic growth of Kenya and the East African Community as a whole” said Reinsurance Solutions Group Chairman John Rowan during the opening ceremony.
“This is a deliberate move by the Group to add value to the Kenyan insurance industry. The new Kenya branch will provide a wide range of services including (health and general insurance, pensions, terrorism and oil & gas insurance)” he said.

Also speaking at the unveiling ceremony the Regional Director Mr. Harold Mbati noted that Reinsurance Solutions’s entry into the county was timely and pledged to work with the Group to further its aspirations in the Region.
Reinsurance Solutions origins can be traced back to 1935 when Alexander Forbes (AF) started in South Africa. In 1997, AF created its subsidiary in Mauritius, initially naming the company PF (Mauritius) Ltd but later changing the name to Alexander Forbes Mauritius; and afterwards to Reinsurance Solutions, when AF sold its entire shareholding.
“We look forward to working together with the Government authorities, insurance fraternity, our clients and supporters to build a stronger financial services offering in this country” Group CEO said.

Willis North America has appointed Joe Peiser as head of casualty broking, reporting to Matt Keeping, chief broking officer, Willis North America. Since September 2014, Peiser has been serving as a strategic insurance market advisor with Willis Capital Markets and Advisory. He is a well-known casualty expert in the US, London and Bermuda marketplace. In this newly created role, Peiser will be responsible for the strategic direction of Willis North America's casualty insurance offerings including workers' compensation, primary and excess casualty, product recall and international casualty products.
Reactions, 28 January

Arthur J Gallagher has teamed up with specialist amputee and limb-impaired charity Limbcare to launch a new range of bespoke buildings and contents covers. The products, which come under the banner of Limbcare Insurance Services, are aimed anyone with a limb-related disability, and the broker hopes to launch a further travel product in due course. The scheme will be administrated by a specially trained team, and can be tailored to include damage or loss of prosthetics and mobility aids, and include stair lifts and wet rooms in addition to standard building protections.
Post, 28 January

Ace Group announced the launch on 28 January of a new cyber risk business unit following research by the carrier which indicated that cyber is a "top three" emerging issue for European risk managers. The company already offers risk management and insurance solutions for computer hardware, first and third party cyber liability risks in continental European markets through a range of specialist products. The new practice will have full-time dedicated cyber underwriting experts across five markets.
Inside Fac, 28 January

Berkshire Hathaway Specialty Insurance has expanded its North American operations into Canada with three leadership appointments. The company has appointed Scott Miller, Darryl DeSouza and Michael Densham to lead its in-country property, casualty and executive and professional lines operations, respectively. Miller joins from Gen Re, where, most recently, he was the senior energy marketer and underwriter. Previously, he was senior property facultative underwriter and second vice president at Gen Re, and was an energy broker at Aon Reed Stenhouse.
Reactions, 28 January

An African Union agency that is offering the continent’s first insurance against natural disasters is developing cover for disease outbreaks after the deadly Ebola crisis. Richard Wilcox, director-general of the AU’s African Risk Capacity agency, told the Financial Times the move was initiated by its member states’ requests as Ebola claimed more than 8,600 lives in Sierra Leone, Guinea and Liberia. As the outbreak spread, it hit weak, under-resourced health systems in the three nations and wreaked enormous economic cost. Meanwhile, the international response to the disaster has been widely criticised for being too slow and inadequate.
Financial Times, 28 January

PartnerRe said it expects to write and bind around $2.7bn of non-life treaty premium from the 1 January renewal, representing only a 1 percent drop from its renewable premium base at constant FX rates despite the soft market. The reinsurer, which has agreed a merger with Bermudian rival Axis, renews around 70 percent of its total annual non-life treaty business at 1.1. The remainder of its treaty book renews at other renewal dates through the year, while the company also has around $400mn of facultative business in its underwriting portfolio which is written throughout the year.
Insurance Insider, 28 January


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Relentless Beats

Gina Turner at BFF – Goldrush Expeditions

November 17, 2017 at 9:00 PM

Bar Smith - Phoenix, AZ

Headliner Gina Turner

Type Nightclub

Venue Bar Smith130 East Washington Street
Phoenix, AZ 85004

Ages 21+

Show 9:00 PM - 2:00 AM

Doors 9:00 PM

Event Description

Relentless Beats presented Gina Turner at BFF – Goldrush Expeditions on Friday, November 17, 2017 at Bar Smith in Phoenix, AZ. This show is 21+.

Tickets are no longer available for this event. View the Facebook event with the links above. Join our text list by filling out the form below or texting RB VIP to 545454.

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Home > Hijackthis Log > Hijackthis Log And Problem

Hijackthis Log And Problem

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