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Emergency Plumber Corsair Bay Christchurch 8082 – Find 24 Hour Plumber in Christchurch

  • Blocked Toilet
    Blocked Toilet
    need help?
    If you've got a blocked toilet and the bowl is filling up, or sewage is flooding out, then give us a call to get it sorted quickly.
    Our team of expert plumbers are standing by and ready to help.
    Call Now on (03) 668-5114
Looking for a 24 x 7 emergency plumber?

Call Now on (03) 668-5114

24 x 7 Urgent Plumber

24 x 7 emergency plumbing

Whatever time of day it is, when a plumbing disaster strikes, give us a call immediately and we’ll work out the way to solve the difficulty so you can get back to what you were doing.

Christchurch Master Plumbers

We’re members of the Master Plumbers Association. What we do is backed up by the Master Plumbers Guarantee so you can rest assuranced when you deal with your local plumbers you’re in good hands.

Your Local Plumber

Your Local Plumber

If it is an emergency and you need help right now, then pick up the phone and call us on (03) 668-5114. Call us night or day, weekday or weekend, public holidays, we’re standing by.

We’d love to give you free expert advice with a free quote! Call now: (03) 668-5114

Local Plumber

Free Quote100% Free Quotes
Feel free to call and request a free quote and for free advice.
5 Star ReputationGreat Customer Feedback
We consistently get great feedback from our customers.

Safety ConsiousSafety Consious
Our team are trained with up to date safety practices.
Service AreaChristchurch Service Area
Our team covers the whole of the Christchurch area.
24/7 Availability24 x 7 Availability
Day or night, give us a call, we can fix your plumbing problems.
Call (03) 668-5114

The local after hours plumbing service starts from the instant you call for our 24 hour plumbing support. Our urgent plumbers will speak through the issue on the phone to help identify the best course of action to take once we arrive to your place.

Emergency repairs can be carried out by our team. Every master plumber in the local team drives a fully stocked vehicle with the complete range of parts needed for after hours plumbing repairs as well as a range of tools and repair equipment.

We’ve been providing after hours plumbing in Christchurch for many years and can be trusted to come to your place and provide solutions to your urgent after hours plumbing requirements.

Examples of the plumbing issues we can solve with our 24 hour plumbing support services include:

  • Cold and Hot Water taps won’t turn off
  • Burst Water Pipes
  • Raw Sewerage
  • Overflowing or Blocked Toilets
  • No Hot Water
  • Hot Water Heater Leaking

So when you next need a 24 hour plumber to fix your problem telephone us on (03) 668-5114 and we can get your issues fixed.
Finding the right Plumbing in Corsair Bay is not always an easy thing to do and that is why you may need to hire and expert to help you takes care of your plumbing needs. Many of our custoemrs are people that are were looking to find a reputable emergency plumber that does a good job, and a huge number have stuck with us now they have found us. The advantage to choosing a plumber like us that offers a day and night service, is that they are on call when you need them most.

You never know when things are going to go wrong and being a homeowner you have to be prepared for absolutely anything. That dreaded sound of dripping water or pouring water in the middle of the night when it’s not raining or the water pipe that bursts flooding your entire home.

The plumber you choose should offer a professional and reliable service. Ideally they should be a company you are comfortable welcoming into your home and then able to leave them to get the job done with confidence, which is why so many choose us.

If you’re like many of our customers, you’ll add our phone number to your speed dial under the heading of reliable and reputable emergency plumber, for use in the future. It can be a hassle to find someone in the middle of the night, it also makes it harder to phone around for references.

Looking at the best Plumbing in Corsair Bay Christchurch

We have been serving Christchurch for many years.

Finding a emergency plumber in Christchurch isn’t too difficult, so there are a few things that you may want to consider when looking for a company to choose to invite into your home.

The first thing is to always ensure is that the plumber offers a quality customer service from the minute you phone them to when the job is completed. you’ll no doubt want a professional and qualified team of plumbers to arrive at your door and understand the job at hand and how to fix it.

Another thing to always look out for is whether they are members of the Master Plumbers Association and offer a Master Plumbers Guarantee. While this may not initially sound important, it is because it enables you to use the emergency plumber with complete confidence.

Another very important aspect in finding the right plumber is that there shouldn’t be any job that is too big or too small. Many people have absolutely no DIY experience so want to be able to call a plumber to change the washer on my tap or repair a roof leak.

Need an Urgent plumber?

That is every homeowner’s largest nightmare and it’s also when you need an urgent plumber to come out as well as have the issue fixed.

Solutions as soon as your plumbing is fully out of your own control and when trying to reduce your water bill, a burst water pipe or possibly a serious drainage issue that causes leaks is the last thing which you desire.

As soon as you find a reliable plumber that you’re comfortable with in your house you want in order to use them whether you’re renovating your toilet, need a roof leak fixed or you need to set up a hob.

Things to be on the lookout for when searching for an urgent plumber you want reassurance. You want a professional and capable team of plumbers that are available to give the quality customer service to you you deserve.

Thankfully there’s an after hours plumber available in the Christchurch area, prepared to rush out and allow you to weather it would be to alter the washer on a tap or manage a gas problem. Ideally the plumber you pick should have experience with gas, drainage and plumbing systems.

Sometimes when things go wrong in the home you aren’t sure when an urgent plumber is what you want. Many plumbers are not restricted to plumbing, additionally they offer drainage and gas solutions, so you got one number to call which will provide you with a lot of services.

With local no job is very large or too little. Whether you just need a faucet washer replaced or there is a blocked toilet, this plumber is ready to give a hand to you. As it pertains to bigger jobs, local staff is qualified to assist whether it’s a fuel system, hot water cylinder or even a dishwasher installation.

Should you be looking for a qualified and expert team of plumbers in the Christchurch area which will turn out for a small or big undertaking, then local is the team you are searching for.

This urgent plumber also works closely with a myriad of property managers on the maintenance of their property portfolio, being on call through the entire day or night, local is competent to deal with those urgent jobs that creep up on you when you least expect it.

This plumber also provides complete restoration options from kitchens to toilets and laundries, they’re going to work with your builder to ensure your refurbishment runs smoothly without any issues.

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Monthly Archives: February 2015

Putin visits Egypt: Part One

Presidential visit to Egypt was long prepared and premeditated. Putin has met Egypt’s President Abdel Fattah El-Sisi twice before on the Russian soil. Then came long period of debates and discussions about common paths of collaboration, which were held both on Cairo and Moscow conferences. At last they met in Cairo. What’s signed, what’s decided and what it will change in Middle East landscape?

Read it ⇝

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Jan 01

Blessed Zygmunt Gorazdowski

January 1st XX century

In Lvov, city of Ukraine, blessed Zygmunt Gorazdowski, priest of Polish origin, who was distinguished by his love of neighbor, as forerunner in the effort to protect the lives and by founding the Institute of the Sisters of St. Joseph, dedicated to serving the poor and abandoned. Roman martyrology


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Art (c) Vaenite, Charecters (c) Lenny Logan, Blacky Logan

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Jatofox, back in Siberia, doing some freelance work.

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Repeated vandalism from IPs within this range. It seems to be a series of dynamic IPs that belong to

Log of user contributions[edit]

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  • This user has a history of obtaining a new dynamic IP address in that block and then coming back. Repeat occurances of vandalism in that block should be dealt with by blocking the entire /16.


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Thursday, November 24, 2011

Kek Karamel

Tested recipe. I like it chilled. But, I think I will only repeat this upon request or in any special occasions because Wawan and Ecah didn't like it. MDH (My Dear Husband) didn't get to taste this yet because he's in Sweden.. but, I have a strong feeling that he won't like it.

Okay..refer the recipe here at Kak Ita's Masam Manis Blog.

No comments:


text:
The Bee Hive

Follow our next adventure at the Bee Hive

Monday, March 23, 2009

Getting Started on LED Throwies

I started making throwies this weekend. It was fast and easy and darling S assured me that if I "allow" him to watch the Masters without complaint then he will finish the entire batch of 400 throwies that weekend.

Sounds like a good deal to me! I don't know how he'll possibly stay awake the entire time; the soothing voices of golf announces puts me to sleep within five minutes.

I just hope the rest of the LEDs and batteries show up in time!

No comments:


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Structural Design Process

The whole procedure of structural planning  and configuration requires creative energy and applied thinking as well as in-depth knowledge of handy perspectives, for example, newest outline codes and bye-laws, upheld by sufficient experience, establishment and judgment.

It is underscored that any structure to be developed must fulfill the need productivity for which it is proposed and should be tough for its sought life expectancy. Therefore, the design of any structure is classifies into taking after two principle sorts:-

  1. Functional Design

  1. Structural Design

Functional Design:

The structure to be constructed ought to basically fill the fundamental need for which it is to be utilized and should have a satisfying look.

The building ought to give conductive environment inside and in addition outside. In this way, the functional arranging of a building must consider the best possible game plans of room/lobbies to fulfill the need of the customer, great ventilation, lighting, acoustics, unhampered view on account of community halls, and film theaters, and so forth.

Structural Design:

Once the type of the structure is chosen, the basic outline procedure begins. Structural plan is a workmanship and art of comprehension the conduct of basic individuals subjected to burdens and planning them with economy and the elegance to give a protected, serviceable and strong structure.

Steps in Structural design

1) Structural planning

2) Action of forces and computation of loads.

3) Methods of analysis.

4) Member design.

5) Detailing, Drawing and Preparation of schedules.

  1. Structural Planning

After obtaining the architectural plan design of the construction units like buildings, the structural planning of the building frame is carried out. It includes ascertaining of the following steps:

  1. Positioning and orienting of columns.
  2. Positioning of the beams.
  3. Spanning of the slabs.
  4. Layouts of stairs.
  5. Choosing the right kind of footing.
  6. Positioning and orientation of columns

Positioning of columns:

These are some of the building principles, which contribute in the determination of  the columns positions.

  1. Columns should suitably be located at (or) near the sides of a building, and at the junction of walls and beams.
  2. Choose the location of the columns so as to diminish the curving moments in beams.
  3. Steer clear of the bigger spans of beams.
  4. Steer clear of big centre-to-centre space between the columns.
  5. Columns on property line.

Orientation of Columns:

Avoid Projection of Columns

The projection of the columns exterior to the wall in the room has to be shunned as they give not very pleasant appearance and on the other hand also hinder the utilization of floor space, generating problems and issules in the placement of the furniture flush with the wall. The girth of the column is necessary to be kept minimum 200mm to avoid the column from being slim. The distance of the column has to be largely diminished so that the load on column on each one of the floor is lesser and the requirement of big sections for columns do not come.

Orient the column so that depth of the column is restricted in the main plane of bending or is vertical to the chief axis of bending.

This is given to amplify the moment of inertia and thus higher moment resisting capacity. It will diminish the Leff/d ratio as well leading in augmentation in the load carrying capability of the column.

Positioning of Beams:

  1. Beams shall usually be given below the walls or under the heavy concentrated load to steer clear of the loads straight away coming on slabs.
  2. Steer clear of the greater spacing of beams from the deflection and cracking criterion. (The deflection differs in proportion with the cube of the span and indirectly with the cube of the density i.e. L3/D3. accordingly, augmentation in span L which leads to the better deflection for bigger span).

Spanning of Slabs:

This is determined by upholding arrangements. When the support system are only on the reverse edges or only in a singular direction, then the slab reacts  as a one way uphold slab. L< 2.

The sort of balance relies on the load conveyed by the section and the bearing limit of the supporting soil. The dirt under the establishment is more vulnerable to substantial varieties. Indeed, even fewer than one little building the dirt may fluctuate from delicate mud to a hard murum. The nature and properties of soil may change with season and climate, such as swelling in wet climate. Increment in dampness content outcomes in generous loss of bearing limit if there should be an occurrence of specific soils which may prompt to differential settlements. It is important to direct the overview in the zones for soil properties. For surrounded structure, disconnected section footings are ordinarily favored aside from if there should be an occurrence of exists for extraordinary profundities, heap establishments can be a proper decision. On the off chance that sections are firmly divided and bearing limit of the dirt is low, pontoon establishment can be an option arrangement. For a segment on the limit line, a joined footing might be given.

Other processes to follow in structural design after these structural planning are determing action of forces and computation of loads choosing, choosing methods of analysis, member design and then detailing, drawing and preparation of schedules.

Administrator Author

    Mohamed Mubaris K

    (March 16, 2017 - 4:38 am)

    Very useful

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Engineering Plastic Suppliers in Holywood

For those times when you need only the highest-quality Engineering Plastic supplies built to stand the test of time, you need Premium Plastics in Holywood. From the very beginning, we've catered to the needs of Engineering professionals in Holywood just like you. We understand how important it is to have both durable and aesthetically-pleasing engineering plastics, and we'll work together with you in order to complete your project on time and on budget.

Why choose Premium Plastics in Holywood

A Huge Selection of High-Quality, Durable Engineering Plastic Supplies. When it comes to choosing the right engineering plastics, you need two things:

1. Durability - an absolute necessity for standing strong against the elements and passage of time.
2. Visual appeal - plastic elements shouldn't stand out like a sore thumb - they should blend well with the rest of your structure.

Of course, being affordable is important, too. That's why we offer countless deals and special offers to help you get the most value for your investment. Industrial durability, outstanding visual elements, and affordability: That's what we offer at Premium Plastics in Holywood.

The Premium Plastic's Range

Here's a preview of what we have to offer:

- ABS Sheet and Rods
- Acrylic Sheet
- Various PE Rated Plastics
- PVC Rods and Bars
- And more!

We'll Take Care of You: Friendly Technical Support and Installation Advice

When you purchase a product from Premium Plastics in Holywood, the story does not end there. Our professional technicians and representatives are standing by to provide you with any assistance you may require, including installation advice and technical support. We understand that every project is unique, and we strive to offer a personalized solution that is custom-tailored to your specific needs. At the end of the day, we like to see ourselves as your partners - not merely your parts supplier in Holywood.

Premium Plastics: Your Friendly and Reliable Engineering Plastic Suppliers

Ready to get started? Call us today on 0333 700 3 700 from the comfort and convenience of your own home for the engineering supplies you need for your next project in Holywood. We're here to help, so be sure to let us know if you have any questions about our inventory, including pricing, sizing, and ordering options. We appreciate your business and we can't wait to work together to help you complete your next project in Holywood!


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European Commission approves meat preservative

by Editor
Friday, May 30, 2014
Photo: Hartmut910 /

The European Commission has approved the use of ethyl lauroyl arginate (E-243) as a preservative in most heat-treated meat products in the 28- country European Union (EU). But the Commission has retained a ban on its use in emulsified sausages, smoked sausages and liver paste.

Brussels' announcement comes after a study by the European Food Safety Agency (EFSA) in June 2013 found that exposure to the preservative in most heat-treated meats, consumed by five categories of consumers, showed that none of these groups ate more than the acceptable daily intake set by the EU agency.

Ethyl lauroyl arginate prevents contamination of foods by bacteria, yeasts and moulds and is already widely used as a preservative in North America, Australia and New Zealand. Food producers outside Europe use the preservative - also known as LAE or lauric arginate - in meat and poultry, as well as soups, fish products and carbonated beverages.

This 2013 study had itself been sparked by an earlier and broader study in 2012, when EFSA concluded that using the preservative in a wide range of meat products (including fresh meat), salted fish and prepared salads would breach the acceptable daily intake of 5 mg per kg of bodyweight, a level it established in 2007. The Commission's new regulation excludes fish, salads and beverages, but opens the way for LAE's use in a broad range of meat products.

LAE works by breaking down the membranes in bacteria and fungi, causing the contaminant cells to die. Its ability to extend the shelf-life of meat products and improve the appearance of products during cold storage explains its popularity in meat industries worldwide.


text:
Mai mare|Mai mic

UPDATE Romania faces first day of hot weather with temperatures of 35 degrees Celsius expected

de V.O.     HotNews.ro
Vineri, 11 iunie 2010, 12:05 English | Top News

Romanian weather experts announce the first hot weather weekend this summer. Plains areas would be the most expected, especially along the Danube, where temperatures are to reach 36-37 degrees Celsius.

Temperatures would be even higher on Saturday, while on Sunday weather may be cooler in North Romania. High temperatures are expected to affect the country next week as well, especially in the first part.

People must avoid long periods of sun exposure between 11.00 a.m. and 6.00 p.m..

UPDATE Romanian weather experts issued on Friday a yellow code warning for hot weather for the period of June 12, 12 p.m. - June 13, 6 p.m. The yellow code means that expected weather phenomena are normal for an area or period but can temporarily become dangerous for certain activities.

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Telangana presents Rs 1.50 lakh crore budget

Hyderabad, (IANS) The Telangana government on Monday presented a tax-free, revenue-surplus budget for 2017-18, proposing an expenditure of Rs 1,49,646 crore — an increase of 14.75 per cent over the previous year.

The budget estimates for 2017-18 indicate a revenue surplus of Rs 4,571.30 crore and a fiscal deficit of Rs 26,096.31 crore, which is 3.48 per cent of the estimated Gross State Domestic Product (GSDP).

“An amount of Rs 1,49,646 crore is proposed as total expenditure consisting of an estimated committed expenditure of Rs 61,607.20 crore and an expenditure of Rs 88,038.80 crore under ‘Pragati Paddu’ or expenditure on schemes,” said Finance Minister E. Rajender while presenting the development and welfare-oriented budget in the new format, in accordance with the guidelines issued by the Centre.

The plan and non-plan expenditure classifications have been replaced with the terms committed (revenue) expenditure and expenditure on schemes (capital).

Committed expenditure consists of payment of salaries and pensions to government employees, maintenance expenditure and interest payments.

The amount of resources left after meeting the committed expenditure constitutes the expenditure on schemes.

In the budget estimates for 2017-18, state’s own revenue receipts are proposed at Rs 69,220 crore as compared with Rs 58,636 crore, as per the revised estimates of 2016-17. Transfers from the Centre are proposed at Rs 43,862.67 crore as compared with Rs 28,433 crore, as per the revised estimates of 2016-17.

Rajender said demonetisation of the high-value currency notes had its bearing on the budget, as it adversely affected the revenue collections in the current year. He, however, was optimistic that with reduction in cash transactions, the tax compliance would improve and there could be some improvement in the tax devolution from the Centre.

He claimed that in the first eight months of the current fiscal, tax revenue of the state recorded an impressive growth of 19.61 per cent despite the adverse impact of demonetisation.

The Finance Minister admitted that there were some uncertainties with regard to the revenue implications of the proposed introduction of Goods and Services Tax (GST) from July this year.

Rajender said the GSDP growth at constant prices in 2016-17 was likely to be 10.1 per cent as compared with the expected national GDP growth of 7.1 per cent.

He announced that under the Kalyana Lakshmi/Shaadi Mubarak schemes, the financial assistance for marriage of girls belonging to poor families would be increased from Rs. 51,000 to Rs 75,116.

Allocations for almost all sectors have gone up compared to the previous year.

The budget allocated Rs 14,375 crore for the welfare of Scheduled Castes, Rs 8,165 crore for Scheduled Tribes, Rs 5,070 crore for backward classes and Rs 1,249 crore for minorities.

With irrigation remaining top priority, the Finance Minister allocated Rs 23,675 crore for the sector. The allocation for agriculture was Rs 5,943 crore previously.

He provided Rs 4,000 crore as the third and final instalment for waiver of farm loans.

The budget allocated Rs 12,705 crore for education, Rs 5,976 crore for health, Rs 1,939 crore for fee reimbursement, Rs 5,033 crore for road development, Rs 5,599 crore for urban development and Rs 14,723 crore for the Panchayati Raj.

For “Mission Bhagiratha”, the ambitious scheme to provide piped drinking water to every household, got Rs 3,000 crore allocation.

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We’re talking too much about nepotism: Alia Bhatt

New Delhi, (IANS) Actress Alia Bhatt comes from a family of actors and filmmakers, but with her versatility and choice of films like “Highway”, “Udta Punjab” and “Dear Zindagi”, she has made her own mark in Bollywood. She feels people are unnecessarily talking “too much” about the existence of nepotism in the industry.

“We are talking too much about it. We need to stop,” the actress, who recently turned 24, told IANS on phone when asked about her views on the nepotism debate.

The discussion was sparked off after actress Kangana Ranaut tagged filmmaker Karan Johar a ‘flagbearer of nepotism’.

Alia, who was launched in the Hindi film industry by Karan with “Student of The Year”, has been charged many a time with getting an easy entry into Bollywood because of her father Mahesh Bhatt.

However, the actress let her work talk with her talent in her second film “Highway”. She again impressed many by taking the attention away from Shah Rukh Khan in Gauri Shinde’s “Dear Zindagi”, and in “Udta Punjab”, she got a thumbs up for portraying a Bihari girl with ease.

Asked about what makes her choose roles as varied as the ones in “Student Of The Year” and the very recent “Badrinath Ki Dulhania”, Alia said: “Like the way I don’t dress up for other people, in a similar way, I do different films for myself and not for someone else. I want to do different films for myself and not because ‘log aise kar rahey hai’ (people are doing so).

“That’s the byproduct of it.”

Her five-year journey in the film industry has made her more responsible.

“I think the more years you spend in the industry, the more you get experience. I don’t know how I have changed as an actor, but yes, I have learnt a lot of the technical things. I am growing up in the public eye, so there will be changes. But it’s not like I really sat down and noticed things that have changed.

“I think I have become more responsible now because now I also live by myself. I am satisfied with my work and not anything else,” Alia told IANS, and added that she doesn’t miss anything in her life.

“This is what I always wanted to do so I enjoy doing this,” added the actress, who is in the capital to walk the ramp at Amazon India Fashion Week (AIFW) Autumn-Winter 2017.

She is the showstopper for the ‘Maybelline New York presents Namrata Joshipura’ show scheduled for Friday night. The show is bringing drama and the latest beauty trends from New York to New Delhi.

Talking about her fashion and make-up choices, the actress says she never cares about the fashion police while dressing up.

“It’s not like I am ignorant to them, but it’s also not like I won’t choose or make my fashion choices thinking about them either. Because that means, I am dressing for someone else and not myself. It’s not like I am not aware of what they are writing and what they feel, but it also does not mean that I am not overtly conscious either,” said the actress, who says her make-up on a certain day reflects her mood.

“Make-up is the second nature for an actor. It is part of my daily life and the best and comfortable part of make-up is that its always parallel to the way I am feeling and my mood. If I am feeling dramatic, then I will go for dramatic eyes, and if I am feeling subtle, then I go for subtle or nude look.

“I think that’s the way it should be. We shouldn’t do things which we are not comfortable with, because then you won’t be able to carry it off,” Alia signed off.

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text:
Удилище карповое Korum Carp Rod 13' 3,5lb

Korum (Великобритания)

Предложение Артикул Цена
Удилище карповое Korum Carp Rod 13' 3,5lb KCROD/10 5 500 руб 4 950 руб В корзину

Korum Carp Rods

Korum Carp Rods boast a superb through-action created using K-Flex Carbon Technologies to create a rod that has a parabolic bend when playing big fish. The rods are lightly finished with a matt black accent with Japanese shrink wrap handles and hard-wearing guides.

K-Flex Carbon Technology for a stunning parabolic action Slim diameter blanks with matt black finish Optimum grip levels from Japanese shrink tube handle Rugged nylon reel seat with metal hoods Super light guides for the perfect playing action

13FT 3.5LB

A great casting tool, perfect for use when fishing long distances due to fast line pick-up at range. A powerful action perfect for big carp


text:
16 Strong Wind

Strong Wind

Posted on December 16, 2008 by

Now I call this strong wind. Poor child can’t get out of his school!

Exchange traffic with English Russia, click here

16 Responses to “Strong Wind”

  1. Fernando says:

    On the other hand, it should be very easy to tell your mother you`re unable to get to school some day! :D
    Love your blog, greetings from Brasil!

  2. aerosquid says:

    Poor kid got pwn3d!

  3. another russian says:

  4. dr. no says:

    its the soviet weather controlling machine.

  5. Dmitri says:

    It is Norilsk

  6. harry says:

    Thats pretty hilarious to be fair

  7. Gadsky says:

    Usual “black blizzard” :)))

  8. Ivan Mikahilov says:

    That’s why the nickname of Pevek is “Flying-Dogs-City”

  9. tyrone says:

    best post in a while

  10. Bilosh says:

    These childrens not using head – they fight wind. In my willage we use our head – we do not fight wind. But all of our childrens has blown away. Some goats too.

  11. happy canadian says:

    why didn’t the guy filming, go down and help the kid?

  12. supreme says:

    Who let their child out in that weather? And how come nobody’s helping that kid?! Seems like lack of sympathy to me.

  13. w says:

    I love the last bit where kid is blown upto high speed just as clip ends – I think he be doing a good 30kmh before he a disappear

  14. Kelly says:

    This is what it was like growing up in Kansas! Sometimes two kids on skateboards with a bedsheet between them would go sailing down the street.

  15. angie says:

    this totally happened to me once as i was walking home from class. i’m in idaho though…

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Alternative and new word definitions

  1. Advice: what we ask for when we already know the answer, but wish we didn't.
  2. Architecture: the art of how to waste space. (Phillip Johnson)
  3. Alarm clock: a small, mechanical device to wake up people without children.
  4. Baby-sitter: a teenager acting like an adult, while the adults are out acting like teenagers.
  5. Bachelor: the only man who has never told his wife a lie.
  6. Be alert. The world needs more lerts. (Douglas Adams)
  7. Benign: What you be after you be eight.
  8. Boredoom: The state at which a person is so incredibly bored, they lack the desire to do anything.
  9. Boycott shampoo. Demand real poo!
  10. Calcium Anthropology: the study of milkmen.
  11. Capitalism: the astounding belief that the most wicked of men will do the most wicked of things for the greatest good of everyone.
  12. Cell-phone: a way to speak to yourself without anyone noticing.
  13. Celebrity: someone who works all his life to be recognized, and then wears dark glasses to avoid being recognized.
  14. Chemistry: Physics without thought.
    Mathematics: Physics without purpose.
  15. Coincidence: when God chooses to remain anonymous.
  16. Compromise: the art of dividing a cake so that everyone thinks they got the biggest piece.
  17. Computers: working daily to make the human brain obsolete.
  18. Confidence: the feeling you have before you understand the situation.
  19. Consciousness: that annoying time between naps.
  20. Conservative: a man who believes nothing should be done for the first time.
  21. Conservative: Someone who wants to keep what the liberals fought for a generation before.
  22. Cuisine: something like food, but the portions are smaller and the prices are higher. If you happen to have a french cuisine, the waiter will insult you as you are served.
  23. Deja Fu: the feeling that somehow, somewhere, you've been kicked in the head like this before.
  24. Democracy: The theory that the common people know what they want, and deserve to get it good and hard.
  25. Foreign Aid: The transfer of money from poor people in rich countries to rich people in poor countries.
  26. A friend is someone who will help you move. A GOOD friend is someone who will help you move a body.
  27. Friend: Someone who has the same enemies you have.
  28. Happiness: the agreeable sensation felt while contemplating the misery of others.
  29. Hippopotomonstrosesquippedaliophobia: Fear of long words.
  30. Hospitality: making your guests feel like they're at home, even if you wish they were.
  31. Ignoranus: a person who is not only ignorant, but an asshole to boot.
  32. Illiterate: what you are if you can't read this.
  33. Jury: twelve people who determine which client has the better lawyer.
  34. Kentucky: Five million people, fifteen last names.
  35. Kiss: A lovely trick designed by nature to stop speech when words become superfluous.
  36. Leet: the art of finding the hardest possible way to say you did something simple.
  37. Life: Sexually transmitted disease, 100% fatal.
  38. Linkin Park:What was created when they began putting fake grass into the "Lincoln Logs" boxes.
  39. Lite: the new way to spell "Light," now with 20% fewer letters!
  40. Mass Murder: What happens when Bob discovers Robertology.
  41. Materialism: buying things we don't need with money we don't have to impress people that don't matter.
  42. McBorgs: Over one million assimilated.
  43. A metaphor is like a simile.
  44. Mortal: a generic pronoun for anyone, invented to solve the 'she/he' issue.
  45. Newbie: gathers honey 80% faster.
  46. Obscenity: the crutch of inarticulate motherf#$@ers.
  47. Oxymoron: Microsoft Works.
  48. Palidan: Your pal Dan... until he kills you for thinking you're a heretic.
  49. Patriot: a person who can holler the loudest without knowing what he is hollering about.
  50. Physicist: an atom's way of looking at itself.
  51. PMS: Puberty Much Sucks.
  52. PMS: Purchase More Shoes.
  53. Polynesia: memory-loss, in parrots.
  54. Reincarnation: Let's keep trying until we get it right.
  55. Reintarnation: Coming back to life as a hillbilly.
  56. Robertology: The study of Bob...
  57. Slinky: yet another failed attempt at perpetual motion.
  58. Snowbank: where you keep your extra snow.
  59. Spontaneous Combustion: A phenomenon induced in pyromaniacs by the camera crews of shows such as 'believe it or not'.
  60. Stupidity: doing the same things over and over and expecting different results.
  61. Supernatural: how you have to act to get onto an aeroplane unmolested these days.
  62. System of a Down:A system that loses power excessively.
  63. Tech Support: your ISPs way of expressing their hatred towards you.
  64. Television: a medium. So called because it is neither rare, nor well done.
  65. Transvestites: men who like to eat, drink, and be Mary.
  66. Trapezoid: a device for trapping zoids.
  67. Vegetarian: Native American word meaning "bad hunter".
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Toilet Expo- World Toilet Day Celebration

The toilet expo provided a platform to exhibit toilets promoted by ENPHO and those used by individuals from all walks of life in Nepal. Additionally, an orientation, regarding the current status of sanitation and the subsequent jobs created in the sanitation sector was also provided to the individuals visiting the expo. ENPHO with the support of CAWST organized the toilet expo at its office premises, New Baneshwor on 19 November 2016 commemorating the World Toilet Day 2016.

The expo featured a display section with models of toilets promoted by ENPHO along with sanitary ware that are commercially available in the market. The commercially available sanitary ware were provided for the expo by Parryware. The expo highlighted the fact that toilets are an integral part of sanitation system and a wide range of toilets exist spanning a wide market to meet current development demands. Additionally, with the national target for the achievement of 100% sanitation coverage by 2017, demands for toilets and related sanitary-ware have increased. The need of collaboration amongst NGOs, INGOs with the private sectors have been felt in order to create linkages in urban and rural areas to ultimately benefit the total sanitation coverage effort. All experts in the sector agree that the need of sustainable total sanitation would be better met with the advent of a partnership between all sectors; private, governmental, and NGO’s and INGO’s. The expo was an attempt to capitalize on the occasion of World Toilet Day 2016 to create one of the first entry points for the creation of a platform for such cooperation and partnerships. Altogether, 123 individuals including school students, architects, engineers and representatives from various organizations participated in the expo and orientation session.


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Dark Oak Dining Table And 6 Chairs

Dark Oak Dining Table And 6 Chairs1000 X 1000

Dark Oak Dining Table And 6 Chairs - Are your dining room chairs looking a little tired? What about the rest of your house or apartment? Sometimes a couple of new dining room chairs can bring everything together. You have got literally thousands of options when it comes to replacing your dining room chairs, today.

Upholstered chairs, wood chairs, Parson's chairs, or fundamental models with chair covers are all choices. Have a look at your dining room to get an idea of new chairs could promptly update your space. Is your dining room utilized in the conventional, formal fashion? Look at chairs with a more proper layout, possibly made from wood with well-upholstered seats. With carving, the wood might be darker or some other layout to highlight the piece.

The seat ought to be well padded with high-quality upholstery fabric. Although you want to entertain in your dining room but have a fashion that is less formal. Look for modern fashions with a little less embellishment and smoother lines. They will fit better with a number of decorating schemes, as well as your guest will get the subliminal message that the shared company, along with the food, are important to your amusing strategy.

Modern fashions could be assembled from wood as well as various metals. If you're searching for something unique you can also buy unfinished chairs. Perhaps you desire an uncommon stain or you'd like to put your personal artistic belief on your own new chairs. Locate a fashion of unfinished chair that blends well with the rest of your house or apartment, and make it your own with the spot or paint you decide on.

Tags: #dark oak dining table and 6 chairs


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Crews Start on Baltic Underwater Gas Pipeline Linking Russia, Europe

VYBORG, Russia, April 9, 2010 (ENS) – Construction has started on the underwater section of a controversial new gas pipeline that for the first time will deliver Russian natural gas to Western Europe without passing through transit nations.

Today in Portovaya Bay, near the town of Vyborg just south of Russia’s border with Finland, dignitaries from Russia and Europe took part in a ceremony marking the start of construction of the Nord Stream gas pipeline’s underwater section.

The pipeline will be laid at the bottom of the Baltic Sea and will cross the economic zones of five countries: Russia, Finland, Sweden, Denmark, and Germany.

The pipeline, which will run from Vyborg to Greifswald in eastern Germany, will be 1,223 kilometers long and able to transport up to 55 billion cubic meters of gas a year, enough to supply more than 25 million households in Europe. The first pipeline in the twin pipeline project is scheduled to come on line in 2011, and the second line will start operation in 2012.

From left: Alexei Miller, deputy chairman of the Board of Directors and chairman of the Management Committee of OAO Gazprom, Russian President Dimitry Medvedev, former German Chancellor, Gerhard Schroeder arrive to celebrate the start of pipeline construction. (Photo courtesy Nord Stream)

Russian President Dmitry Medvedev said at the ceremony that the gas pipeline will not only be a real contribution by Russia to Europes energy security but is environmentally safe and will help to combat global climate change.

“Nord Stream is not just a big transnational commercial project but is also our contribution to resolving environmental and climatic problems not just at the regional but also the global scale,” the Russian president said.

“All necessary precautions have been taken to guarantee that this project is reliable and safe for the environment,” said Medvedev. “This really is a very important aspect. And everything has been done to ensure that the project complies with national and international environmental law.”

“Increasing the share of natural gas in Europes energy balance will make it possible to reduce emissions of pollutants into the atmosphere and, something I particularly want to emphasize, help us to achieve our goals in fighting climate change without detriment to the economy,” he said.

The Nord Stream consortium is made up of Russia’s Gazprom, 51 percent; Germany’s BASF and E.ON, 20 percent each; and the Netherlands’ Gasunie, nine percent.

Last month agreements were signed with 26 international banks for 3.9 billion euros of commercial loans for phase one of the project.

The first of the pipeline’s 100,000 25-tonne 12 meter pipe sections were welded together and laid on the bed of the Baltic Sea some 30 kilometers off the Swedish island of Gotland and the vessel Castoro Sei is currently laying the pipeline at the rate of 2.5 kilometers a day moving towards Finnish waters. However, the formal celebrations to launch the construction phase took place on land at Portovaya Bay near Vyborg, which will be the start of the pipeline.

In Portovaya Bay, Russian President Dimitry Medvedev signs a gas pipeline to be laid under the Baltic Sea. April 9, 2010. (Photo courtesy The Kremlin)

Taking part in the ceremony marking the start of underwater construction today were Dutch Prime Minister Jan Peter Balkenende, French Secretary of State for Foreign Trade Anne-Marie Idrac, EU Energy Commissioner Gunther Oettinger, Chairman of the Nord Stream AG Shareholders’ Committee former German Chancellor Gerhard Schroeder, and Nord Stream AG Managing Director Matthias Warnig.

In a special video message to ceremony participants German Chancellor Angela Merkel said, “Our shared goal is an energy partnership based on equality geared to the long term. It is to offer businesses on both sides opportunities for cooperation and growth. In fact, Nord Stream demonstrates the vast economic potential rooted in such a partnership.”

The Nord Stream gas pipeline faced environmental opposition from the Baltic and Nordic states, which favor an alternative, land-based gas pipeline linking Russia to Germany.

Estonia went so far as to deny the project consortium the right to survey the Baltic state’s territorial waters, forcing Nord Stream to rely on Finnish cooperation to push the project ahead.

In a symbolic act, pipes representing the Russian and European natural gas networks were welded together. April 9, 2010 (Photo courtesy Nord Stream)

Nord Stream received the last permit required to start constructing its gas pipeline through the Baltic Sea from Russia to Germany on February 12. The Finnish water permit complements the earlier permit granted by the Finnish government for the Nord Stream consortium to use Finnish waters.

As the final permit was granted, Finnish Prime Minister Matti Vanhanen said, This increases the energy security of Europe. New pipeline routes are needed and it is better that energy is transported via pipeline instead of by boats, trains or on the road. This is better from the environmental perspective.

On the same day, February 12, environmental groups WWF and Friends of the Earth launched a legal challenge in Germany against the construction of the undersea Nord Stream pipeline. They claim German authorities failed to demand sufficient compensation for damage caused.

The challenge was filed with the administration tribunal in the Baltic city of Greifswald by WWF and the German affiliate of Friends of the Earth, BUND.

The company says the lawsuit filed by the environmental groups is unlikely to impact its schedule.

Jochen Lamp, head of the Baltic office of the WWF Germany, says the the gas pipeline, the largest structure in the Baltic Sea, has caused significant environmental damage but it is the greener alternative compared to transporting the gas by tanker from Russia to Western Europe.

“The liquefaction of natural gas and the shipment pose greater risks than the transport through the tubes. On top of that would be associated with an energy of liquefaction of about 25 percent, which would in turn be bad for the climate,” said Lamp.

The Baltic Sea is shallow and environmentally sensitive. (Photo courtesy Nord Stream)

He explains that WWF Germany filed a lawsuit against the pipeline because the licensing authority failed to set the necessary environmental requirements. “The action is intended to ensure that all opportunities to mitigate the damages are authentic. Damage that can not be prevented must be fully compensated elsewhere.”

Lamp is worried about the explosive mines still on the Baltic Sea floor in the Finnish and Russian zones. During the world wars of the 20th century, more than 150,000 naval mines are estimated to have been thrown into the Baltic, 80,000 into the Gulf of Finland.

“An explosion can injure fish and marine mammals such as ringed seals and gray seals,” said Lamp, but there is no alternative to demolition.”

He says the mines must be secured and animals deterred to avoid injury. “Everything must be done to touch as few of the mines as possible, because the explosions lead to a further release of nutrients and pollutants from the soil, promoting the eutrophication.”

The company has cleared munitions and has seal scrammers in place to deter seals. But even if the pipeline crews do not encounter any mines, the construction will stir up the bottom of the Baltic Sea over great distances, says Lamp. “This affects not only the animals and plants that live in the immediate vicinity of the route, but also provides for the release of harmful nutrients that have accumulated over decades in the soil.”

WWF says that nutrients stirred up by dredging will have the effect of fertilizing the already highly polluted Baltic Sea. “The consequences,” says Lamp, are “increased algae growth, decreased the oxygen content and thus the spread of oxygen-free dead zones.”

Copyright Environment News Service (ENS) 2010. All rights reserved.


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June 18, 2010

Maybe we're not crazy!

As writers, I’m sure that all of us have at one time or another had a friend or relative lovingly suggest that we are completely insane.

“If you don’t want that character to die, why don’t you just change the story so that he lives?”

“What do you mean you didn’t see that coming? You wrote the story!”

“You’re laughing at something your character said? You’re the one who wrote what she said!”

“Your character isn’t cooperating with you? Seriously…”

“You’re the writer – just make the characters do whatever you want them to do!”

Yes, I suppose we can all admit that to a ‘normal’ person, we writers are just a little weird. However, weird though we may be, perhaps we’re not crazy after all! Here is my theory – a scientific explanation – as to why we writers can’t always control what our characters do, and why they sometimes surprise us:

When you meet a new person – a real one, say, at church or at work – the first thing you get is a visual of their physical appearance. You introduce yourself and start a conversation with them, usually asking questions pertaining to the immediate surroundings and/or circumstances (Are you new in town? What brought you to this church? Have you worked here long?).

Then you start asking broad, generalized questions (Where are you from? What do you do for a living?). Then you begin moving on into more personal questions, learning opinions, etc. while still keeping a bit of distance (What kind of movies do you like? What did you think of the election results?).

Gradually, as a relationship develops, you can begin asking more personal, intimate questions, learning who the person is at their very core (What is your deepest desire? Your greatest fear?) and as they begin to learn to trust you in return, they will often share their deepest, darkest secrets with you.

Once you know a person at this level, you can begin to predict with some accuracy how they will respond to given situations. Have you ever had someone tell you “So-and-so did such-and-such,” and you knew in your very heart that there was no way on earth that story could be right? That is because you know that person, and you know how they respond.

These stages of getting to know a person work much the same way for writers getting to know a fictional character. For me at least, the first thing I get from a character is their physical appearance. I start asking questions, then, starting with broad, generalized questions, and moving on towards the deep, intimate questions, until I know who that person is at their very core.

My theory is that your subconscious mind does not know the difference between a fictional character and a real person.

Think about it: you have given your mind the same information and stimuli with the fictional character as you would have with a real one, starting with physical appearance and moving on into who the person/character really is in their heart of hearts.

Just as your subconscious mind allows you to ‘just know’ what your best friend will do in a particular situation, it allows you to ‘just know’ what your character will do. To change it would be to force them into doing something out of character. When you write a line of dialogue or action for another character, your subconscious mind can process all of that information and make a prediction as to how your main character will respond. The result is that witty line of dialogue that you find so hilarious; that recourse that you really don’t want the character to take but that they are bound and determined to take anyway; that action response that you never saw coming, but that makes perfect sense.

And that is why a fictional character can feel so real to us, just like they were a real person.

So, while we writers may still be eccentric and weird according to our friends and relatives, maybe we’re not completely insane after all. What do you think? Does this theory sound viable to you? Or do you have your own theory about why the writer’s mind works the way it does?

  1. Not a bad theory, but if it is true it is somewhat dangerous to be a writer. I could easily imagine things about a person I do not know very well and start to feel that what I have imagined is true. That could become very confusing in the long run. :)

  2. As I've said before, I like this theory. I think it's definitely plausible for some writers.

  3. Did you see my other one, Mary? Also, I love the new background.

What are your thoughts on this post? I'd love to hear your comments, questions, or ideas, even if you don't agree with me. Please be aware that I reserve the right to delete comments that are uncivil or vulgar, however.


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Tyranny of Dragons

In an audacious bid for power, the Cult of the Dragon, along with its dragon allies and the Red Wizards of Thay, seeks to free Tiamat from her prison in the Nine Hells to bring her to the Forgotten Realms.

The cult’s forces are sweeping from town to town, laying waste to all who oppose them and gathering a hoard of riches for their dread queen.

The threat is so dire, factions as disparate as the Harpers and the Zhentarim are banding together to battle the cult. Never before has the need for heroes been as desperate.

Here begins our story.

A story made of courage, faith, heroic deeds, loyalty but even of treacheries, lies and blackmail.

A story made of real characters.

SHILL DHALLEDShill Dhalled: half-elf, female, paladin of Tyr.

Alignment: Lawful Neutral

Background: acolyte

Appearance: 5′ 10″ tall; 154 lbs; pale skin; black hair; ice eyes.

Chapter: 1+

Lei Windriver: aasimar, female, cleric of Sune

Alignment: Chaotic Good

Background: acolyte

Appearance: 5′ 9″ tall; 132 lbs; light brown skin; silver-mithril hair; light golden eyes.

Chapter: 1+

Anankis Miri

Anankis Miri: tiefling, female, warlock

Alignment: Chaotic neutral

Background: hurcin

Appearance: 5′ 2″ tall; 110 lbs; red-yellow skin; red-brown hair; white eyes.

Chapter: 1+

Daeron Ossa_02

Daeron Ossa: human, male, wizard

Alignment: Lawful neutral

Background: sage

Appearance: 6′ 2″ tall; 198 lbs; pale skin; black and long hair; black eyes.

Chapter: 1

Geralt Eskel

Geralt Eskel: air genasi, male, thief

Alignment: True neutral

Background: sailor

Appearance: 6′ tall; 160 lbs; pale blue; blue hair and eyes.

Chapter: 1+

BladesingerElora Naelgrath: Sun Elf, female, Wizard (Bladesinger tradition)

Alignment: Chaotic Good

Background: Inheritor (from SCAG)

Appearance: 5′ 9″ tall; 130 lbs; bronze skin; copper hair and silver eyes.

Chapter: 2+

Zeed: Aarakocra, male, 82392d34ed8058e84788282be5b8c361 Circle of the Moon druid

Alignment: Lawful Neutral

Background: Far Traveler (from SCAG)

Appearance: 5′ 4″ tall; 96 lbs; bronze skin; brown plumage, white plumes head, and light blue eyes.

Chapter: 2-3. We will remember you…

To the story..

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Tuesday, February 20, 2007

The Overlapping Roles of Private Equity and Activism

behind the curtain Going Private readers will, no doubt, be familiar with product and firm life cycles, characterized primarily by the "Introduction, growth, maturity and decline," patterns of expansion and contraction.  It will come as no surprise, then, that these life cycles apply equally to financial services firms, financial services products and capital structure driven acquisitions (LBOs).  The forces in the case of private equity are slightly different (credit availability and the existence of viable target firms and by extension of these two, available returns to LBO actors) but the cycle is equally valid.  I tend to think that there is a first derivative order to the cycle for private equity as well (as debt financing never really goes totally out of style as a product) and we should, therefore, not be surprised by the regular ebb and flow of private equity.

Perhaps we should be slightly surprised by the immense growth in the field in the last 24 months, but then again, perhaps not given the perfect storm of SarOx, low interest rates and multiple targets.  (At this point a quick pointer to the yummy Abnormal Returns' "Five C's" article and its follow-up seems in order).

Of course, it was fashionable to predict the imminent death of private equity as we know it far before I even began to pen Going Private, and the calls have continued unabated since.  (As a side note, this month is Going Private's one year anniversary).  After one of these back in August I postulated aloud that:

Mega-funds are the conglomerates of 2007.  Big, unwieldy, potentially unable to attend to their many daughters properly.  But most of them will live on.  Weathering a storm, perhaps, getting a belt tightening, but enduring.

The Economist, it seems, has quickly come over to my way of thinking as they penned this back in December:

Are private-equity firms the new conglomerates? The two look more and more alike. The dozen or so top private-equity firms have taken positions in an extraordinarily diverse range of operating companies, much as big conglomerates have done. Each week brings another batch of multi-billion-dollar deals.

But, even as these cycles work their cyclical magic on the economy, we have other forces joining in the fray.  Are poor performance issues marked by governance, inefficient capital structure and sub-optimal strategic initiatives best addressed by the harsh shocks of a surprise LBO?  Or are activist investors enough of a check on public companies to drive efficiency and solve agency cost problems?

The answer, of course, is that both play different if somewhat overlapping roles in keeping the management and/or performance of public firms in check.

With the release of Brav, Jiang, Partnoy and Thomas' paper, "Hedge Fund Activism, Corporate Governance and Firm Performance," we see both that activist hedge funds command abnormal returns of some substance (I predict a growth in start-up activist firms given the publication), and that they look far more like value investors (particularly in terms of their holding periods and target profiles) than they have been given credit for.  Their holding periods tend to be 2-3 years, in fact, before dipping back under the 5% metric.  This is, however, a far cry from the 3-10 year holding period that typifies private equity investments.

A 5% interest in a $5 billion firm is, of course, $250 million and the need to keep long-term holdings mean that borrowing is not practical for activist funds.  This means that in terms of size, all but the largest activist funds and the Carl Icahn's of the world are constrained to firms generally under $10 billion, though firms willing to press publicly and threaten proxy contests can accomplish their goals with lower stakes.  (Relational Investors only holds about 1.2% of outstanding common in Home Depot, the homebuilder store with nearly $85 billion in market capitalization, but has still managed to badger the beleaguered retailer into caving to all Relational's major demands.  Interestingly, this is over $1 billion in capital or over 15% of Relational's assets under management- a pretty serious concentration of assets in one bet).

These sorts of bets are well above all but the most determined, largest and cooperating private equity players.  The more interesting interplays exist in the > $7.5 billion market capitalization area, where the two genres have more interaction.  Reading the literature it becomes apparent that some of the highest gains in activist strategies are those where divisions or, indeed, the entire firm is sold.  Private equity buyers wait eagerly in the wings.  (Even now Home Depot struggles to shed itself of its commercial building business at the behest of Relational).  One more force to prevent the "maturity and decline" segment of the private equity life cycle.

Wednesday, February 21, 2007

Neiman Marcus or Needless Markup?

flip the switch, if you dare The Wall Street Journal points to payment in kind options on debt agreements or payment in kind (PIK) "Toggle" debt as a sign that the power in the hands of debt issuers is substantial.  The Journal wonders, are these tools helpful breathers for firms that stumble for a quarter or two, or dangerous multipliers of risk?

Payment in kind is the payment of interest on a debt instrument with more debt instruments (i.e. in kind), rather than in cash payments.  In effect, the interest accrues and is paid at a later date (usually the maturity of the instrument).  In my experience, non-switching PIK instruments usually sit below several other layers of more senior debt, and bear a higher rate of interest.  This should be intuitive to Going Private readers who will recognize that, lacking interest payments, PIK instruments are riskier for a lender to hold.  There is no canary in the mine for this layer of debt.  No missed payment to warn the holder of an impending default and therefore less of an ability to monitor the debt.

PIK Toggle instruments turn off interest payments and switch to PIK interest at a particular time, perhaps at the option of the issuer.  This was the structure of the example the Journal uses, in which Neiman Marcus was granted $700 million in PIK Toggles, the interest payments of which could be switched off at Neiman's option to reduce the debt burden on the company in a time of difficulty.  The interest would accrue at a higher rate (9.75% v. 9.00%) when the instruments mature in 2015.  Neiman would hardly be off the hook even if they flipped the toggle.  They started off with $3.2 billion in debt so turning the PIK on would increase their cushion, but not eliminate payments by any means.

One assumes that the increase in interest rate on the debt in question would provide a strong disincentive to flipping the PIK on unless the situation were dire, and we might also assume that, since the PIK would only be activated if the company were nearing default on interest payments due to collapsing revenue or unanticipated costs, the lender would expect to have the debt paid via a refinancing on maturity (or perhaps a LIPO).  (Certainly the cash would not be sitting in the company's coffers at that point).

Indeed, we can see that PIK toggle permits struggling firms to "live to fight another day" when they are staring default in the face, but this begs the question: should they be able to?  After a fashion, a PIK Toggle bypasses the events that typically signal default and, by proxy, indicate that the firm has become a distressed.  Though we may sympathize with management, giving them more rope to hang themselves and charging nearly an additional percentage point for the pleasure might not always be the best option, as opposed to taking the keys and imposing more drastic fiscal discipline via the debt recovery department of the lender.

The other thing that concerns me about the practice is exactly what Texas Pacific likes about it.  To wit: ""This innovation was one factor enabling us to pay a more aggressive price."  This should, of course, be read: "This innovation was one factor enabling us to assume much more debt that would otherwise have been prudent."  Really, what the PIK layer did for Texas Pacific and Neiman was increase the amount of debt that could be assumed to beyond what would have been prudent if the interest payments could not be turned off.

Far less safety margin seems required when PIK instruments are used and it is quickly tempting to push the limit to win auctions.  It is, perhaps, telling that, "Nearly every TPG deal since Neiman Marcus includes debt with the PIK toggle feature."  It's easy to forget that the effect of a PIK Toggle is to dramatically increase the debt burden on the company at a time when it is already showing signs of difficult with the existing levels.

The good folks at GoldenTree Asset Management are mentioned poo-pooing PIK Toggles.  Sub Rosa has done some work with GT folks and they do love their PIKs, at least in my experience, but they just don't toggle them much.

Used prudently, PIK Toggles seem like a decent tool to hurdle a speed bump or two in the road.  I suspect, however, they cause some rather severe damage to the rims of the faster driving deals out there.

Thursday, February 22, 2007

Throw a PIK

R, a loyal reader, writes in to point out some other perspectives on PIKs.  Quite sophisticated perspectives, it turns out.  Readers will recall that we wondered after Payment in Kind (PIK) debt instruments which accept repayment of interest "in kind" with more debt instruments.  In effect, the interest payments accrue until the maturity of the PIK instrument.  I wondered aloud the other day if this didn't encourage more borderline lending and reduce the circuit breakers available when a firm starts to have problems paying its debt.  Let's face it, if you have to turn a PIK Toggle on, it's because you can't pay your debt.

R prefers, however, to think of PIK as equity.  Preferred stock, almost.

They don’t cross default, don’t sit round the table, are covenant free and have no security. Its equity all but for the maturity date.

R points out that the lender doesn't care if PIKs get loaded up like crazy.  She's going to be paid off before the bulk PIK becomes due anyhow.

Sponsors, however, quite like the toggle.  They want to stop, as R puts it and I paraphrase here, "sharing equity returns with that fucking PIK as soon as possible."  It's not that PIK Toggles were invented to reduce debt payments so as to leave off the company at a delicate time, but rather to start paying off that PIK early if possible so as to boost equity returns to the sponsor.

The lender would far prefer to see that PIK Toggle switched off, in fact.  Less cash out to the PIK holder, more reserve and hold-back cash for the lender with a big chunk of senior debt to look at and sign to herself "ah, look at that lovely cash cushion."

A quick example might be illustrative:

Let's assume we have a Neiman like transaction.  $2.6 billion purchase price, About 25% of the debt structure is in a PIK Toggle.  Let's assume about 25% of the purchase price is paid for in equity (a 3:1 debt to equity ratio) and that, for the moment, there's interest only payment on the PIK.  Let's also assume that the PIK Toggle does not trigger an interest rate increase if switched on.  We'll set the first year to 2007 and put a 8 year maturity on all the debt instruments.  Further, let's assume that the sale price of the company is exactly the purchase price.  (In other words, no multiple increase, no revenue/earnings increases- this should isolate the effects to the financial terms).

Just pulling the interest off of the PIK over the 8 year life of the debt boosts the equity returns from an IRR of 12.25% to 15.95%.  You can see my error riddled spreadsheet on the example here.

Sayeth R:

Don’t get me wrong – I think PIKs are typically a toxic piece of paper to hold, but they are toxic only to the holder of the PIK and, if done wrong, the sponsor. The audience for such paper is a small and fully market savvy group; they know the risks – the odd cowboy hedge fund excluded.

One of These Things is Not Like the Other

all times are london timeIt is simply amazing sometimes to compare different publications and their take on the news.  More so when international borders are thrown into the mix.  Usually, it seems to be political leanings that fix the timber of headlines, so it's amusing when it's something else.  Like cultural views on regulation.  So we aren't surprised when CNN highlights the White House connection (and the article is found just below the leader "Man With Sword Mistakes Porn for Rape"), when the Wall Street Journal points to the capitalist personality, Paulson, in its lead, when Fox News makes it all about promises and commitment, and when the Financial Times is in its own little world.

Wall Street Journal: "Paulson-led Group Suggests No New Hedge Fund Regulation."
CNN: "White House group: Hedge Funds Need No New Rules."
Fox News: "Government Pledges Vigilance Over Hedge Funds."
Financial Times: "U.S. Hedge Funds Face New Guidelines."

Friday, February 23, 2007

Why Social Investing is the New Tech Bubble

the only green you'll see A slew of recent missives of a quantity sufficient to lead me to believe that printing ink, and not spit, issues forth from the hyperactive salivary glands of "the left," at least now that they have been stimulated, in Pavlovian fashion, by the distant ring of non-zero probabilities which suggest that they might, just might put their grubby little mitts on the magnets necessary to skew the moral compass of the United States to a direction more to their liking (but far again from magnetic north) makes it fairly clear that a massive press for "ethical investing," "social investing," "green investing," "stakeholder democracy," (quite a different animal from shareholder democracy mind you) or whatever you would like to call the new market corrosive noise, is just around the corner.  Be afraid.  Be very afraid.  You would think the likes of the UAW would have learned their lessons, but I assure you, they have not.

As a rule I avoid political discussion in the entries that comprise Going Private unless they have some direct bearing on finance.  I find it, however, almost impossible to keep ignoring the literal onslaught of anti-capitalism that glares menacingly at us from the other side of the looking glass.  I can perhaps be fairly accused of too many viewings of Richard Dawkins' work now that I have taken it upon myself to use these pages in sounding the alarm that the most palpable threat to capitalism and free market economies is poised to spring a lethal ambush in an environment well calibrated to multiply the damage.

We are faced with the most basic of conflicts.  Between rationality, reason and scientific method on one side, and the mud-like foundation of "ethical conduct" or "social responsibility," on the other.  This basic conflict, between the lighter forces of knowledge and discovery and the darkness of ignorance by design and demagoguery, is likely to be the defining cultural exchange of our era, and one that spans disciplines from economics, to politics to morality.  Or, perhaps, it is merely my intoxicating cocktail of a long hospital stay, constant pain and narcotics.

Some time ago, Jon Entine penned "What Should Bill Gates Do?" (subscription required) in the Wall Street Journal, a piece that highlights what must be the most important observation yet penned on the folly that is "social investing," namely that:

The dark secret of "social investing" is that it is neither art nor science: It's image and impulse. It reflects perceptions, not performance.

Why?  Because:

The social investing community also suffers from the hubris that it can separate the good guys from the bad guys.

We would do well to remember that when capital allocation decisions are made on criteria other than underlying economic prospects or value that it is the mob, more than economics, that rule returns.  That which was popular (though impractical) as a business cause last year may well find itself out of favor and without any economic merit this year.  (Some of the denser ethanol projects I have seen recent come to mind).

I ask you, where is my political party?  The fiscally conservative party with the goal of reducing government size by 25% in ten years?  The party that has absolutely no position on religion at all, and doesn't intend to discover one in my lifetime or that of my children to be?  The party that doesn't care who I sleep with or how.  The party that isn't dense enough to start taxing "windfall profits" on the firms that seek out the scarce energy supplies required for the country to grow at a reasonable pace over the next 20 years?  The party that won't regulate the United States out of global capital markets?  The party that won't fuel the Social Investing bubble?

The Benefits of Ruthlessness

talented manager? A loyal reader, "S," joins with me in frowning on "social investing," and backs up the collective distaste in our mouths with some interesting data on portfolios borrowed from the always entertaining Long or Short Capital.  Long or Short's semi-famous "Satan's Portfolio" is the hedge against the Pax World Funds nonsense, and a good thing too.  Looking at the graphic S forwarded me, it is pretty obvious that "investing" in Pax World Funds amounts to giving your money to charity, but without the tax deduction.  Still, perhaps you need some capital losses to carry forward?

Tuesday, February 27, 2007

Reader Mail

hard at play Self-confessed Stanford Grad (first step in getting better is admitting you have a problem) writes:

I noticed your general disdain for "social investing" and wasn't sure if you were condemning the entire industry.  While "socially-responsible investing" is mostly counter-productive, a new group of investors are trying to fund social goals (priority #1) and generate above market - 10%-15% - returns (priority #2).

Good luck.

Wednesday, February 28, 2007

Drama Queens to the Floor, Please

how many days of food did you store? I recognize that it was a dramatic day for some people yesterday (mostly, I expect, the people who had forgotten- or perhaps are too young to have ever seen- what a dramatic correction looks like and those without anything resembling a hedge against dramatically long equity positions) but DealBreaker points us to a bit of dramatic evidence that a few of us are ill-prepared for anything like a dramatic (or, indeed, a moderately dramatic) financial shock.  In response to dramatic fluctuations today in shares of Goldman Sachs (which, do remember dear reader, was trading dramatically between $194 and $210 at the time) one (mercifully, self-preservingly anonymous) floor trader moans:

Goldman fell six bucks. People were going nuts. There were no bids for five or six points. We haven't seen that kind of thing for years. This was no high-flying tech stock. It was Goldman-fucking-Sachs.  For a minute I wondered if they had blown up Broad Street. Maybe Goldman Sachs no longer existed.

A six dollar drop in Goldman?  How perfectly ghastly!  It is positively enough to give a girl the vapours!  I mean really, what can have been expected of you in a moment like that?

One would suppose- erroneously, it would now seem- that those on The Street were made of sterner stuff than this.  The testicles on the famous bull are, after all, made of bronze last I checked- no?  Perhaps, oh, anonymous aspirant to big swinging schmuck status, you better run out and get some duct-tape and plastic sheets for the imminent biological attack, too.  I am certain, however, that once you recover from the shock, say, Friday afternoon or, perhaps, Monday morning, it might be a good time to go long on Anthrax remedies and buy those ethanol stocks "on the dip," right?

Well, I suppose it is for the best.  A 4% correction to wake people up a little might have been a good idea if this is the kind of propensity to lightheadedness that lurks out there.  After all, it could have been something serious.

I should like it quite a bit if we saw some nicely public (but controlled) hedge fund blow ups.  Great time to filter out some of the lightweights and see who was paying attention (or more interestingly, who wasn't).  What faces the U.S. markets today remains to be seen but, I assure you, from the midst of my convalescence here on the other side of the pond and fast in the grips of the warm enveloping anesthetic of my morphine drip machine (yuuuuummmmmy...) I eagerly await the early dispatches- any hint you detect of efforts on my part to avoid looking smug is entirely the result of your overactive imagination.

Oh, and that reminds me.  I think I will cover my Goldman short today.

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Thursday, April 22, 2010

I have never felt so blessed like this....well in a long time.
We just got back from Orlando, Florida
Even though it wasn't in our budget to go, I saved our tax money and used that for our funds.
Why save for a rainy day? In my opinion you can't spend your money in heaven so you might as well spend it while your here on Earth. People might disagree with me but I'm ok with that.
My in laws won a free vacation so we didn't have to spend money on a hotel except for 1 night, and that was a huge savings for us.
We used friends of ours who had airline miles to fly down there and got our tickets half off, so that was another huge savings for us.
I finally had a week off of work in a very, very long time. It was a well needed vacation.
Sun was shining, I got to wear capris, sun dresses and it was very relaxing.
The day our in laws left to drive back home Kevin and I stayed an extra night and went to SeaWorld for the day.
It was the same SeaWorld where that trainer was killed by the killer whale. And it happened to be the same weekend they were having a funeral ceremony for her. Right before the show started they showed a little montage and when it was over the crowd cheered so loud, it was so awesome to hear such a great response to someone that cared so much about animals and not one single person in the audience knew her.

Kevin touching a stingray. I thought this was so cool. I of course kept freaking out about touching it and when I saw all these kid doing it I had to try it. They are so slimey, it's gross!

Monday, April 12, 2010

It's been a long time coming

A vacation that is. Kevin and I will be leaving on Wednesday for a long awaited vacation. It's been 4 yrs since we've actually been on a vacation. We've gone on little weekend trips here and there but a long awaited vacation here we come! We are going to Orlando, Florida and we might go and see Mickey and Minnie, not sure yet. But we are definitely going here and here  I am so excited. Not sure if the 2nd one if that's the exact one were going to but I'm beyond thrilled. I can't wait to get back and tell you all about it :)

Have a blessed week :)

Tuesday, April 6, 2010

Easter weekend was not only busy for me but it was enjoyable. Normally holiday weekends were scrambling from house to house to see as much family as we can but this year was so much different. Saturday morning I went with my momma, sister, brother, sis in law, 2 nephews and my niece to an easter egg hunt. I used to love easter egg hunts as a kid. So my niece whose 5 I took her hand and we went right to the middle where most of the eggs where and we grabbed as many as we could. We filled her bucket about halfway and she was so proud of herself. Her brother didn't get as much as she did but he was just happy to be there :)

I have realized these past few months that spending time with family is very important. You never know what tomorrow's going to bring. I posted this in the beginning of the year on my Facebook page and I'm trying to let it sink in:

1. Drink plenty of water.

2. Eat breakfast like a king, lunch like a prince and dinner like a beggar.

3. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants..

4. Live with the 3 E's -- Energy, Enthusiasm and Empathy

5. Make time to pray.

6. Play more games

7. Read more books than you did in 2009 .

8. Sit in silence for at least 10 minutes each day

9. Sleep for 7 hours.

10. Take a 10-30 minutes walk daily. And while you walk, smile.

11. Don't compare your life to others. You have no idea what their journey is all about.

12. Don't have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.

13. Don't over do. Keep your limits.

14. Don't take yourself so seriously. No one else does.

15. Don't waste your precious energy on gossip.

16. Dream more while you are awake

17. Envy is a waste of time. You already have all you need..

18. Forget issues of the past. Don't remind your partner with His/her mistakes of the past. That will ruin your present happiness.

19. Life is too short to waste time hating anyone. Don't hate others.

20. Make peace with your past so it won't spoil the present.

21. No one is in charge of your happiness except you.

22. Realize that life is a school and you are here to learn. Problems are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime.

23. Smile and laugh more.

24. You don't have to win every argument. Agree to disagree...

25. Call your family often.

26. Each day give something good to others.

27. Forgive everyone for everything.

28. Spend time w/ people over the age of 70 & under the age of 6.

29. Try to make at least three people smile each day.

30. What other people think of you is none of your business.

31. Your job won't take care of you when you are sick. Your friends will. Stay in touch.

32. Do the right thing!

33. Get rid of anything that isn't useful, beautiful or joyful.

34. Time heals everything.

35. However good or bad a situation is, it will change..

36. No matter how you feel, get up, dress up and show up.

37. The best is yet to come..

38. When you awake alive in the morning, be thankful for it.

39. Your Inner most is always happy. So, be happy
I agree with so many things on here. #5-Make time to pray, #11-Don't compare yourself to others. And as a photographer I do this quite often, #19-Life is to short to waste time hating anyone. So, so true. #30-What other people think of you is none of your business, I need to keep telling myself this everyday. #17-Envy is a waste of time, your already have all you need. #18-Forget issues of the past. I could keep going and going. But I have this printed up and I keep a copy with me at all times and I also have a copy on my board at my desk at work.
So here's a few images from our Easter egg hunt on Saturday.

My 2 nephews and niece.

My niece and her proud basket full of eggs :)

She's afraid of all characters including the easter bunny :(

My nephew Stefan. Look at all his teeth.

Here he is again right before we started.

Friday, April 2, 2010

Time for Change

I am starting fresh with this . I want to write about things that make me happy and happenings going on in my life.

My life is very complicated. I work full time and work part time as a photographer. I absolutely love both of my jobs. I wouldn't have it any other way.

Kevin and I have been together for 11 yrs, since I was a junior in high school to be exact. I had plenty of previous boyfriends and only knew Kevin for a short time before we started dating. But once we started dating, I just knew. I knew he was the one that I was going to marry. My senior year of high school I turned 18 and a few short months following that I moved out of my mom's house and moved in with Kevin and his parents. I got up and went to school everyday and had a part time job after school. I supported myself as well as help from his parents. I appreciated them both very much. I graduated high school that year and was so proud of myself. Out of everyone in my family I was the only one who graduated high school with a diploma. A year after high school I married my best friend and soulmate. I was 19 and everyone told me that I was making a mistake, that I was to young and blah, blah, blah. After hearing all the negative comments I wanted to prove them wrong. My parents were married 14 yrs before getting a divorce but Kevin's parents have been married for 33 yrs. (I think). so I know we can do it. This year May 2010 Kevin and I will be married for 9 yrs. We have had our ups and downs but honestly he is my soulmate. I can't picture my life without him and we even each other out.

That's enough taking you down memory lane.

Have a great weekend and Happy Easter!


text:
Monday, May 19, 2014

BBC XINGANG arrived in Erie at 1015 hours Sunday, and docked at the Mountfort Terminal to load the first batch of locomotives bound for Africa. BBC XINGANG arrived from Milwaukee, after a stop in Hamilton and then a couple of weeks in the anchorage above Port Huron awaiting a pilot. Ice conditions on the upper lakes forced the Coast Guard to stop most salties above Port Huron at the beginning of the season and the lake pilots are now working through a pilot shortage. After spending last week working cargo in Milwaukee, BBC XINGANG stopped in Erie to load before completing her first visit to the Great Lakes.

BBC XINGANG was built in 2013 at Tianjin Xingang Shipbuilding in Tianjin, China. Tianjin Xingang has built many of the BBC vessels, including seven sisterships to BBC XINGANG.

I will post a departure time when I learn of one for the BBC XINGANG.

REBECCA ANN returned to Erie this morning shortly after midnight to pick up another barge and is currently docked along the north wall of Donjon Shipbuilding & Repair.

BBC XINGANG in the channel. In the distant background, note local perch fishing boats O'DANNY'O and EDWARD JOHN.

Passing the lighthouse.

Another view of XINGANG. Photo by Gene Polaski.

Bow view of the 2013-built general cargo vessel. BBC XINGANG has two cranes, each capable of lifting up to 350 MT, for a combined lift of 700 MT.

Side view.

Passing the Coast Guard station.

Stern view of XINGANG. Photo by Gene Polaski.

BBC XINGANG's cargo awaits.

BBC XINGANG approaches the Mountfort Terminal.

Coming alongside.

Alongside the dock.

1 comment:

Lakerbill17 said...

Interesting that the ship uses its own cranes and not the 300-ton stiff-leg crane, which, I suspect, still hasn't paid for itself.


text: Eurasian Otter (Lutra lutra) young individual playing and fish feeding over frozen surface of the river in Kajaani, Finland, in winter at minus 37C (controlled conditions)Ice crystals from humidity condensation forming outside a window glass under extremely cold temperatures, Kuhmo, FinlandFog from river stream and humidity condensation instantly freezing due to extreme low temperatures on branches of the nearby trees, Kuhmo, FinlandBacklit foggy forest views in the boreal forest near Kuhmo, Finalnd, at sunset in FebruarySunlit details on the low vegetation covered by thick snow layer in winter, Oulanka, Kuusamo, FinlandCouple of European Beeeaters (Merops apiaster) perched in the surroundings of the nest in breeding season, SpainBeech trees (Fagus sylvatica) in the mist, Montseny nature reserve, Spain. This is the Southernmost Beech forest in Europe.Subadult Lagermeier (Gypaetus barbatus) flying at a necrophagous bird feeding station, SpainWalker's and dog footprints in the sand at a recently machine-cleaned beach, SpainHighly enlarged view of a text link to a www webpage on a computer screen showing additive formation of colors via 3 RGB switchable photodiodes per each pixel.Slate metamorphic rock eroded by the action of the waves and stones in a beach, NorwayScandinavian Reindeer (Rangifer tarandus) cattle looking for some food in winter under the snow, Tromso area, NorwayEurasian Lynx (Lynx lynx) in winter fur over snow and under snowfall, controlled conditions, NorwayWolverine (Gulo gulo) in winter, running on snow and under snowfall, controlled conditions, NorwayEurasian Wolves (Canis lupus lupus) in winter fur, under snowfall in controlled conditions, NorwayArctic Fox (Vulpes lagopus) in winter white creamy fur, under snowfall and in controlled conditions, NorwayBranchipus schaefferi is a Crustacean appearing in European meadows claywaterAedes triseriatus mosquito female biting on human skinBed Bugs (Cimex lectularius) an emerging pest species, on an embroidered bed sheet, SpainDistorted view of a young forest of Scots Pine, SpainAphanius iberus swimming in the vicinity of mosquito larvae potential preys (Culex pipiens). This is a mosquito larvivorous fish species presently endangered in the Mediterranean since the introduction of the American mosquitofish (Gambusia spp.) in early XXth century, which harms the autochtonous species.Night view of the Monastery of Santes Creus, SpainSingle black mouse integrated in a group of human-like white miceOne of the most famous waterfalls in Iceland, Gullfoss (Golden waterfall)One of the most famous waterfalls in Iceland, Gullfoss (Golden waterfall)Dyrhólaey promontory on the Atlantic ocean, IcelandCrystal-clear ice stalagmites in the Leidarandi lava tube, IcelandWheat (Triticum vulgare) field in spring, SpainDusty trail photographed by night at the lights of a car, SpainSparse, steppe-specific vegetation on  clay-only subdesertic area of the natural park of Bardenas Reales de Navarra, Navarre, SpainCreviced ground and salty remains on clay-only area of the natural park of Bardenas Reales de Navarra, Navarre, SpainLong exposure taken in the natural area of Bardenas Reales of Navarre, Spain. This is a semnidesertic clay region eroded by rain and winds. The  natural monument in the image center is named Castildetierra. All stars seem to rotate around the Polar star which is always located at North in the Northern hemisphere.