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Qui Vivra Verra

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Qui Vivra Verra

“She who lives, shall see.”

There is so much hustle and bustle at Skyhold, so much going on at once: Troops departing, scouts reporting back, runners darting across the battlements, the constant din from forges and craftsmen repairing the massive keep. And always, always the flocks of ravens circling overhead, forever present. It overwhelms some of the younger mages, scarcely more than children - all without homes or families to return to. The poor things held themselves together through Redcliffe and Haven, but after the fight, the avalanche, and the exhaustive trek through the Frostbacks, they can scarcely focus or sleep for all the chaos of Skyhold rebuilding herself from ruin.

The noise and constant movement scarcely bothers Fiona; she suspects she could sleep through anything, save another archdemon attack. At a certain point, even the busiest din of people rushing to and fro in their daily tasks just fades into the background.

Today, however, Fiona's attention falters before she quite realizes why. A titter of amusement ripples through the room when she stutters to a halt mid-sentence in her summarization of different Fade spirits, the young mages no doubt amused to see their unflappable leader falter so badly.

"Enough of that, if you please," Fiona says smoothly, all the while casting her eyes about the busy courtyard for the source of her disturbance. It is a sunny day, though unseasonably cool, and a brisk breeze stirs the boughs of the trees in Skyhold's courtyard. Leaves dance and skitter around the hem of her robes. "Galterus, if you would kindly continue where I've left off - I shall return shortly, but something else demands my attention."

Before she turns to leave she sees nine young, pink-cheeked faces fall ever so slightly: though Galterus is quite an accomplished Enchanter, he's rightfully earned his reputation of stern (a polite word for hardass) among the young ones at their lessons. But breaking away from the group, Fiona finally is able to put a finger on what's distracted her so thoroughly: The usual bustle of the courtyard has been broken by the Inquisitor, moving in the slightly hunched way of a very large person trying with all their might to go unnoticed.

Admittedly, Fiona is curious as to why Inquisitor Adaar would try so hard to move unseen in her own keep, as much as she is amused that a woman of Adaar's stature would even try to blend in in the first place. In Redcliffe, the first thing that struck Fiona was the sheer size of her - for all Fiona has seen in her years, during a life that's been by no stretch of the imagination unadventurous, female Qunari were few and far between. Female Qunari mages, it would seem, doubly so.

Though, Fiona's readings helpfully amend, the Inquisitor is technically Tal-Vashoth - not Qunari. Fiona supposes that is rather akin to her own titles, gained and lost. Perhaps a Qunari without the Qun is similar to a Grand Enchanter without a Circle.

The Inquisitor has to duck her head to avoid the low-hanging lintel in the entryway to the stables; the last thing Fiona sees is her broad, sun-brightened back disappearing into the cool darkness of the barn. Cautiously, she follows. Truthfully, Fiona does not quite know what she intends to say to the Inquisitor, or why she's even approaching her for a conversation in the first place. All she knows is that something is amiss, and she intends to discover what.

"Inquisitor?" Eyes adjusting to the relatively dim light of the stables, Fiona squints as she looks to and fro. The building smells warm and comfortable in an animal sort of way - all dust and leather, sweet hay and the pervasive scent of horse. From down the row of stalls she can hear a horse snort irritably, followed by a sob - soft, and hastily stifled.

Ah, Fiona thinks. That explains why Adaar was in such haste to be alone. Logically, she knows she should turn to leave the Inquisitor in peace, but something within jabs at her to stay.

"It is only me," she says, approaching the stall the Inquisitor's ducked into. Unoccupied by any equine inhabitant, it's being used in the interim for storing tools and straw, and it is here the Inquisitor sits, hastily wiping her face.

"Grand Enchanter," she says, clearing her throat so Fiona won't hear the thickness of tears. "I'm sorry - is something wrong? Are the mages all right -"

"We are well, your Worship," Fiona says, shaking her head when Adaar makes to rise. "I could ask the same of you, however. Is all well?"

Adaar fidgets under Fiona's gaze like a new apprentice, and it suddenly strikes Fiona just how young she is. The Enchanter was perhaps a little taken aback upon meeting Adaar in Redcliffe, a little awed by the sheer size and impressiveness of her: A tall, horned mage of considerable skill, surrounded by her own personal vanguard of close companions, all equally awe-inspiring in their own right. The might of the anchor and rumored divine blessing swirling around her like an aura were almost palpable.

Now, in the dusty stable, Fiona can see faint freckles on the bridge of her nose and tears still clinging to her eyelashes.

Fiona makes her decision, and sits on the bale of straw opposite Adaar. She gives her a brief smile, hoping it comes across as warm rather than patronizing. There is nothing, she knows from experience, that makes new recruits and apprentices alike turn on their trainers quite like being spoken down to.

"What is upsetting you?" she asks. "With any luck, perhaps we can see it right together."

Adaar sniffs loudly. She shakes her head, so slightly Fiona wonders if she's conscious she's doing it. "It - it's nothing, Grand Enchanter. You don't have to -"

Fiona leans back on the bale, ignoring the way the straw ends poke through her robes and prickle her legs and rear. "You are right; I don't have to do anything. Wanting to help someone who is crying, on the other hand, is entirely my own choice. And one I stand by, coincidentally."

Giving her a watery smile that's rapidly washed off her face by a wave of fresh tears, Adaar turns away from Fiona and wipes her face on her sleeve again. She sniffles, and Fiona politely looks through the slats of wood to the horse in the next stall until Adaar is able to meet her eyes again. They sit in silence for some minutes until the tears abate, and Adaar rubs beneath her red-rimmed eyes with a large knuckle.

"It's really hard, some days," says Adaar. "Half the time I'm in a daze because things are just - moving too fast for me. And that's before all the - the deaths, the people we lost at Haven. Good people." Her eyes go distant; Fiona's seen that expression on the faces of senior Wardens. She knows it herself: Recollections of brothers-in-arms lost in battle. She's willing to bet that Adaar often lays awake at night, seeing faces on the backs of her eyelids and wondering if she couldn't have done more.

"Most of the time I'm fine," Adaar continues, sighing. Fiona nods. "Sometimes it's not too different from my merc band - keeping one foot in front of the other, checking off directives, looking out for the people who have your back. But sometimes it's...too much," she admits, color rising in her cheeks.

She doesn’t think she is enough to handle it, Fiona thinks, instinctively knowing what Adaar means to say though the words are unspoken.

Fiona sits quietly for a moment, considering. Even though Adaar’s hand is clenched, faint cracks of greenish light seep out from between her fingers. Fiona wonders if it keeps Adaar awake at night - the light of it, always shining, rather than the weight of all it implies for her. “Tell me about them,” she says gently, instead of commenting on the anchor.

“Huh?” Adaar blinks at Fiona, obviously not expecting that.

“Your mercenary troupe,” Fiona prompts, giving Adaar an encouraging smile. “I would like to know more about them."

Adaar leans back, shrugging with one shoulder. “Not much to say. The number of us remained the same almost the entire time I was with them, all of us being Tal-Vashoth. Shokrakar’s our leader - I’d like to see her go toe-to-toe with Iron Bull, or match him for drinks,” she adds, a little smile unconsciously curving her lips. “Taarlok’s her second-in-command, mostly because he has more of a head for negotiating, rather than fighting. I ran support and crowd control when they needed it. Kaariss, he…” She snorts, and it could be a gust of laughter if Fiona is interpreting it correctly. “I’ve never seen anyone more skilled with a bow, but he also fancies himself a poet. Two weeks after I joined up I found a poem wrapped up in my bedroll, comparing my eyes to….moonlight off the pond we were camped near, I think.”

“Oh dear,” Fiona muses, trying not to smile at the description of the lively company. “Did the poem have its intended effect?”

“What? Oh, no,” Adaar says, shaking her head. “I told him he was sweet, but Shokrakar…Shokrakar is still a very impressive woman,” she admits. There is a warmth to her voice, poorly-hidden, that brings Fiona back years and years - back to the Deep Roads and two Orlesians in her company who were absolutely mad for each other. Though the pain of their loss has abated, she does not dwell on them all the same.

“You miss them,” she says to root herself in the present, still keeping her voice gentle. Adaar stares at her, chin jutting out a fraction.

“They were my family,” she says. “Is it wrong for me to miss them - that I wish I was still with them? Is it bad I’d trade anything to go back?”

“Not at all,” Fiona says. “Although many may envy the purpose you now bear, I do not.”

“No,” Adaar says, a touch wistfully. In the moment, she reminds Fiona more of a lost teenager than a young woman with unfathomable powers at her command. “I wouldn’t either, if it weren’t me.”

For several minutes they sit quietly in the warm golden light of the barn, Fiona sure Adaar is as lost in her own thoughts as she is in hers. It has been some time since she’s dwelled on her time with the Wardens, long-ago and distance at it is. She wonders if the world would be different now if she had made different choices back then. She supposes it is too late to matter. The world is Adaar’s now, belonging as much to the Herald of Andraste as it does to the blossoming Inquisition. Fiona supposes, then, it is now her duty to lead the mages - the young ones who will inherit the world the Inquisition will forge - and to lead and teach them well.

“Grand Enchanter?” Adaar’s voice breaks the silence, curious but hesitant.

“Yes, Inquisitor?”

“If you don’t mind me asking - what made you agree to Alexius’s terms in Redcliffe?” Adaar seems to consider her question for a moment, and rushes to add, “I just thought - personally - I would rather die than indenture myself to a magister, and I still don’t know if he offered you something that you couldn’t turn down -”

“Ah,” Fiona says, feeling her lips purse. How to explain - how to describe the feeling of bile rising in her throat as she shook hands with that Tevinter to seal their contract? How can she outline the sleepless nights she spent grappling with herself for selling herself and her fellow mages to an unscrupulous magister? It takes some time before she is able to say, “I’m sure you understand, Inquisitor, what desperation will drive rational minds to.”

“Oh,” Adaar says softly. “Yes, I’m sure.”

“It was a mistake,” Fiona says. She sighs, banishing thoughts of that terrible mistake, the dishonest and uncomfortable slide of the magister’s magical energy. “I will not lie to you, Inquisitor. I made a dreadful mistake, and it is a burden I continue to bear. And I am grateful that events conspired to cause you to right my wrongs. But in the moment, we were alone - isolated, pressed on all sides and desperate for a helping hand. We were frightened.” She has to take a moment to steel herself, to remember to breathe. “I was frightened. Not for myself, but for the people I am responsible for.”

This is the exchange, she thinks. Adaar has let Fiona see her with her guard down, upset and weeping. It would be unfair of her to deny Adaar the same thing, her vulnerability and regrets. But all the same, she has to raise her eyes to the patchy roof of the stables before she can continue.

“Learn from my mistakes, Inquisitor,” she says. “Do not go anything alone. You’re surrounded by people who want to see you succeed - who care for you, without ulterior motives. Your Seeker and your diplomat, your mercenaries and mages. They rally behind you, Adaar.”

The younger woman nods, though Fiona can tell from the quirk between her brows that she doesn’t quite know what the Grand Enchanter is leading up to. Fiona must choose her words carefully: She’s lived long enough to know a tipping point when she sees one. She suspects Adaar was in need of such a tipping point when she tried to sneak into the stables unseen, huddled in on herself.

“It can feel like it’s too much for one person to bear,” she says. “That simply means you cannot bear it alone. You may not feel like you are enough,” she says, leaning forward and putting a hand on Adaar’s, “but you have those around you - good people, which is all you need. Rely on them. Their love, their weapons, their support. With so many behind you, you cannot get pushed back into a corner. And even if you do,” she adds, squeezing Adaar’s hand briefly for emphasis, “you have the power to tear down and rebuild the world with your bare hands, if need be.”

Adaar stares at her, wide-eyed and young, but they’re sitting closely enough that Fiona can feel the waves of magical energy rolling off of her. Fiona suspects that, even if she were not in possession of the anchor, her prowess as a mage would still be something to behold indeed.

“You doubt yourself, Inquisitor?” Fiona asks, releasing her hand. Hesitantly, Adaar nods.

“Every damn day.”

“Good,” Fiona says bluntly. “Doubt is not a bad thing. It means you care, Inquisitor - you care about the outcome of your actions, how they will affect those around you. It means you will choose what you believe is right, and choose carefully. I believe if you did not doubt yourself, we would all very well be lost.”

An expression somewhat akin to revelation passes across Adaar’s face. Her crumpled brow smooths out, and once again Fiona is reminded of how young she is - this horned giant with the power to shape the future. The Inquisitor heaves a weighty sigh, sitting back and looking at ease for the first time since Fiona’s seen her. “I admit,” she says, “I’ve been expecting….I don’t know. I thought you were going to scold me for crying like a ninny. Half of everyone here is upset that I’m Tal-Vashoth, and the other half are concerned about the image I present of the Inquisition…”

Yes, Fiona decides. She trusts Adaar, and trusts her doubt. Nonetheless, she gives Adaar a gentle smile. “You are not a pupil of mine,” she says. “And even if you were, there is no shame in crying. Only, remember what I said about relying on the people around you. You shouldn’t have to cry alone.”

“It is miserable,” Adaar agrees. Already she seems lighter, and Fiona can already see it flickering within her - the tender, small flame of resolve. She knows she did not light it; she only found it and encouraged its growth. Once encouraged and kindled, Fiona knows, Adaar’s resolve will burn brightly enough to see the Inquisition through the night and into the dawn.

Rising, Fiona dusts her robes free of bits of straw and extends a hand to pull Adaar off the haybale. “Then please consider me as just one more person you can rely on,” she says. “If you need a shoulder, or a scolding, or even just to talk. Tell me more of Kaarriss and his poetry.”

Adaar considers, and her dark lips look like they're on the verge of a smile. “I would like that,” she says, and takes Fiona’s hand.


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Money America will spin off online loan operation

Money America will spin off online loan operation

Another interesting article depicting the entire movment by at the very least two associated with major general public companies to help expand isolate their market capitalization rates contrary to the increasing volatile and payday industry that is dangerous. Hope you all take pleasure in the browse !!

Jerry Whitehead

Money America Global, the Fort Worth-based operator of pawnshops, stated Thursday so it will spin down a big part of its online financing subsidiary, Enova Overseas, in a short general general general public providing that may raise as much as $500 million.

Investors applauded the statement, sending the ongoing companyвЂ™s shares (ticker: CSH ) up $4.11, or 7.3 per cent, in hefty trading to shut at $60.63, a fresh high.

Money America stated it will retain 35 to 49 per cent of Enova following the providing, which it said is susceptible to market conditions. Chief Financial Officer Tom Bessant said the portion shall be determined by whether underwriters exercise overallotments to generally meet market need for stocks.

Enova makes customer loans averaging a tad bit more than $500 through the online in america, Canada, U.K. and Australia. Some are short-term that isвЂњpayday of seven to 45 times, among others, particularly within the U.K., are installment loans repayable over four months to three years.

Final 12 months it made almost 5 million loans, based on a disclosure declaration filed Thursday aided by the Securities and Exchange Commission.

Enova had been started in 2004 in Chicago, where its workplaces and management team stay, Bessant stated. Money America acquired Enova 5 years ago for approximately $250 million, including $35 million upfront and additional repayments that had been contingent regarding the companyвЂ™s performance, he stated.

EnovaвЂ™s CEO would be Timothy Ho. money America CEO Dan Feehan will serve as administrator president.

вЂњItвЂ™s been an excellent purchase,вЂќ Bessant stated, but money America discovered that вЂњthe market couldnвЂ™t differentiate between money AmericaвЂ™s bricks-and-mortar company and our ecommerce,вЂќ which consists completely of EnovaвЂ™s operations. He said the spinoff can give Enova вЂњits own identityвЂќ and allow it become valued because of its very own operations.

The spinoff may possibly also restrict money AmericaвЂ™s experience of regulatory modifications impacting lending that is payday. A payday loan can be renewed, and the new Consumer Financial Protection Bureau could create new federal rules in recent years, several states have tightened restrictions on rates and how many times.

вЂњInvestors just like the pawn companyвЂќ and certainly will likely reward money America to make lending that is payday smaller element of its operations, stated David Burtzlaff, a financial analyst whom follows the business when it comes to Dallas workplace of Stephens Inc. But even though U.S. guidelines are toughened, an ever growing share of this online payday business is offshore, he stated, as well as in any occasion, вЂњI donвЂ™t think the short-term credit item will soon be eradicated.вЂќ

Money America, the worldвЂ™s pawnshop chain that is largest, initially resisted entering the pay day loan company. But in 1999 it determined that its pawn operations had been losing business that is too much payday loan providers, plus it began test-marketing the loans, which carry a charge predicated on loan size.

Pawn loans and product product sales nevertheless constitute nearly all of Cash AmericaвЂ™s revenue, but loans that are payday grown steadily.

In the 1st half a year of the season, pay day loan costs accounted for $256 million, or 37 per cent, of this companyвЂ™s $689 million as a whole income.

In accordance with EnovaвЂ™s SEC filing, it took in $203.3 million in income in the 1st 6 months of 2011, up 19 % from the period that is same year ago. Net gain had been $19.2 million, up 44 per cent. For many of 2010, Enova obtained $24.8 million on income of $378 million.

Enova stated it expects to utilize profits of this IPO to settle money America $353 million in intercompany financial obligation.

UBS, Barclays Capital and Jefferies & Co. are lead underwriters when it comes to IPO. EnovaвЂ™s shares are anticipated to trade in the ny stock market underneath the ticker icon ENVA.

Jim Fuquay, 817-390-7552

Jerry Whitehead

Pawnshop Asking Group, Inc.

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company1 Internaftiki SRL is a newly established company based in Costanta offering marine and industrial products and services. The company operates its activities as a branch in Romania of Internaftiki sa which was inaugurated in Greece in 1975. Since its foundation, the company has expanded rapidly in the field of marine and industrial products, by offering an entire range of service activities on ships and yacht machinery. With essentially 42 years in operation, the company’s ability to deal with various customers needs before and after sales has established it as a highly reputed business in the marine trade.

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Starwood Property Trust Announces Pricing of $250 Million Incremental Term Loan

September 21, 2020

GREENWICH, Conn., Sept. 21, 2020 /PRNewswire/ -- Starwood Property Trust, Inc. (NYSE: STWD) ("the Company") today announced that Starwood Property Mortgage LLC ("SPM"), a wholly owned subsidiary of the Company, has priced a $250 million term loan ("Term Loan B"). The Term Loan B priced at L+350, matures in July 2026 (coterminous with SPM's existing $400 million term loan B), and is callable at any time.

"We are very pleased to have further diversified our balance sheet and extend our debt maturities. We will use the proceeds from the Term Loan B to repay a portion of our $500 million February 2021 senior notes when they open for repayment at par on November 1, 2020. We have ample liquidly today to pay off the remainder of the February 2021 notes, and as we have in the past, will opportunistically look to access the vastly improved debt markets to either accretively make new investments or reduce future debt maturities," stated Andrew Sossen, Chief Operating Officer of Starwood Property Trust.

 About Starwood Property Trust, Inc.

Starwood Property Trust (NYSE: STWD), is a leading diversified finance company with a core focus on the real estate and infrastructure sectors. An affiliate of global private investment firm Starwood Capital Group, the Company has successfully deployed over $63 billion of capital since inception and manages a portfolio of over $17 billion across debt and equity investments. Starwood Property Trust's investment objective is to generate attractive and stable returns for shareholders, primarily through dividends, by leveraging a premiere global organization to identify and execute on the best risk adjusted returning investments across its target assets. Additional information can be found at

Forward-Looking Statements

Statements in this press release which are not historical fact may be deemed forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, including statements with respect to the anticipated settlement of this offering and the use of proceeds. Although the Company believes the expectations reflected in any forward-looking statements are based on reasonable assumptions, it can give no assurance that its expectations will be attained.  Factors that could cause actual results to differ materially from the Company's expectations include: (i) factors described in the Company's Annual Report on Form 10-K for the year ended December 31, 2019 and its Quarterly Report on Form 10-Q for the quarter ended June 30, 2020, including those set forth under the captions "Risk Factors" and "Business"; (ii) defaults by borrowers in paying debt service on outstanding indebtedness; (iii) impairment in the value of real estate property securing the Company's loans or in which the Company invests; (iv) availability of mortgage origination and acquisition opportunities acceptable to the Company; (v) potential mismatches in the timing of asset repayments and the maturity of the associated financing agreements; (vi) national and local economic and business conditions; (vii) general and local commercial and residential real estate property conditions; (viii) changes in federal government policies; (ix) changes in federal, state and local governmental laws and regulations; (x) increased competition from entities engaged in mortgage lending and securities investing activities; (xi) changes in interest rates; and (xii) the availability of, and costs associated with, sources of liquidity.

Zachary Tanenbaum
Starwood Property Trust
Phone: 203-422-7788

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SOURCE Starwood Property Trust, Inc.

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two happy "Plutos" :))
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Very nice video with nice puppies!
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Great rollicking fun!

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Striking lista IPTV channel service and its uses

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Thu | Oct 22, 2020

Kareem's Quest | Exploring Jay’s Guest House in Epping Farm district

Published:Sunday | October 13, 2019 | 12:00 AMKareem LaTouche
Jay’s Guest House was officially opened in January 2016.
The view of the Blue Mountains from the dining area.
They got a series of internationally recognised awards.
The facility also has accommodations for groups that want to board.
Any drink that is served is made with fruits from the farm.

Located along the border of St Thomas, Jay’s Guest House has steadily been making a name for itself as a place to stay when hiking the Blue Mountains.

“The guest house has been around for four years now. We started back in 2015 and did some refurbishing, then we officially opened in January 2016,” revealed owner Aden Jackson.

Jackson, who is affectionately called ‘Jay’, decided to put his grandparents’ property to use by converting it into a bed and breakfast spot.

“I grew up in the mountains and went to Mico Teachers’ College (The Mico University College), after which I taught in Kingston for two years. Then I remember having a conversation with an American friend, who told me about the concept of Air bnb and how great it would be to have it in the mountains,”the 29-year-old said.

Since then, it has got a seal of approval from visitors from around the world, which is evident by the comments in their log book.

“Our international guests have really been spreading the word. They love the simple, rustic settings and appreciate it for what it is, especially the Europeans.”

Discovering the spot

I hiked the Blue Mountain in 2016 and the experience was challenging and memorable. Before reaching the starting point of the hike at ‘Jacob’s ladder,’ there are three prominent places to stay, Jah B, Whitfield Hall and Jay’s Guest House. My brother and I decided to do it in one go, which lead to us overlooking these places. Nonetheless, we were taken aback by the vegetation and the hard-working nature of the farmers, so we decided to revisit the area. To make the journey even more exciting, we took some friends along with us this time.

Jay’s Guest House, is located in the loving district of Epping Farm, which is on a narrow uphill path, that should only be traversed by four-wheel-drive vehicles. Well, this should be the rule for visitors. For residents, they are skilled enough to navigate the path with bicycles, cars, and bikes with pillion passengers. The overall nature of the residents is very welcoming, as everyone waved at us when we passed.

While driving on the hill, I saw Jay’s prominent sign on the left, which leads to another incline, where his establishment is located. The challenge is, the road is too narrow to make a left turn to get there. So persons will have to reverse up the driveway, or drive a bit further until the road widens and a ‘U turn’ is possible.

Experiencing Jay’s Hospitality

Once on property, you are greeted by family members, friends and the resident dog.

“I chose to work with my parents because they have invested a lot in my education. Plus they are retirees, so it’s good that they remain active doing something they love. In addition, I have to pay them a salary,” Jackson said jokingly.

Due to our multiple stops, a one and a half hour journey turned into three hours, so by the time we arrived, we were famished. Luckily for us, Jay’s mother was manning the kitchen and she ensured the meal was prepared and presented with a mother’s touch. We had fried chicken, brown stew chicken, fish and bowls filled with rice, pasta, gravy, pear and mixed vegetables. To add the final plush, there was freshly made Sorrel and June Plum juice in huge jugs, to ensure everyone got at least two servings.

“Due to our location, we have many different fruits which we always use to make natural drinks for our guests. There are a lot of fruits on the farm like, apples, mangoes, papayas and because they are seasonal, we will sometimes store them in the refrigerator.”

As we finished eating, the rain started pouring, but no one cared, we all went into our own little corner and basked in the moment. Soon after, we were offered their Supreme Coffee and cane, while we listened to stories about the community. There was also the option to sleep over if we wanted to.

“Currently we have three rooms available, two private rooms and a dorm room. The dorm can accommodate six persons and the two other rooms have queen size beds in each. ”

It is clear that Jay, whose parents are retired educators, refuses to bury his talents, as he has grand plans for the establishment.

“Close to this establishment, we are working on a second place, which is much larger. It has three rooms, a terrace and balcony. All the rooms have a great view of the Blue Mountains. It’s going to be much more luxurious,” revealed Jackson.

Who is it for: Strictly nature lovers.

What’s fun: Having a cup of coffee while sitting in the dining area and watching the rain.

What must you try: The various Blue Mountain trails in and around the community.

Contact: jaysguesthouse, Call (876) 321-8204,,


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Is She Your Snugglebear?

Free stock photo of fashion, red, couple, love

Cutesy/affectionate nicknames, also called pet names, are often used in a relationship to show intimacy.

Calling your mate by a cutesy nickname may annoy other people, but don’t let it disturb you. Researchers say it is a indication that the both of you have a very healthy and strong relationship.

A higher degree of Intimacy – I feel this is extremely self-explanatory. Calling pet names rather than real name sounds closer among you since they’re the names which only two of you can use to address each other. It creates a sense of uniqueness.

Produces a Boundary/Exclusiveness – That is according to the publication How to Increase Your Marriage Without Talking About It. It’s a means to recognize the connection as exclusive because when people around you overhear your cutesy conversation, they know you’re committed to each other. I know this kind of situation does not really happen frequently in the context of a long distance relationship, but two of you can still feel the sense of exclusiveness. When I finally had an opportunity to meet up with my girlfriend after a long time, we couldn’t bother what is happening around us. We focus on Bird Removal. This doesn’t really occur because of pet names but pet names will make it sweeter definitely. The feeling of exclusiveness is especially important when you are messaging or calling your remote lover when two of you are apart.

Signs of Alert – When two of you begin to call each other using pet names, it’s a clear sign when she calls you by your true name. It can mean two things. Firstly, it is because she’s mad at you about something. Secondly, she’s playing and joking around with you. The former is more likely to happen. You’ll need to decipher it from the tone and context yourself.

About The Awkwardness – I know it’s somewhat awkward and you might feel shy when you are calling your partner by the new nickname. Don’t worry, it is perfectly normal and I have experienced it before as well. It’s like the awkwardness if you need to say “I love you” for the first couple of times. Just say it as normally as possible and keep it for a few days. You both will get used to it. Afterwards, you may feel weird if you don’t use the nickname abruptly.

Address Your Lover At The Beginning of Every Conversation – Bad example: “What do you do?” Great example: “Baby, what are you doing?” Call him or her in pet names before any sentence makes plenty of difference. It sounds a lot more intimate.

Respect Each Other – Remember to honor your lover at all times. Don’t call pet names he or she does not like. The advice is that you could begin calling your lover some pet names you prefer. It will generate more conversations on this. It’s clear from the conversation if he or she likes the pet name. If you feel your spouse does not like it, simply just try another one next time. Another technique is to ask your partner directly saying that whether you can use this pet name on her or him. Usually, your partner will like whatever names you call them. Just… Don’t be shy!

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Your 2019 New Year Resolution Tips: Tip # 1

A few years ago, I was asked by the Marketing Manager of Health and Fitness site, to suggest just one key fitness resolution for the New Year. I recall thinking at the time that it would be difficult to put all of my tips and ideas into one small basket. I still think it’s a difficult assignment, however looking back at what I wrote I’d probably write the same or something similar today; check it out below:

  • If I were to suggest just one fitness resolution for the New Year, it would have to be one with a two-fold approach. It sounds a bit like a cliche, but I’d first recommend visualizing what your lifestyle would look like if you were in the best shape of your life. What would it take to achieve that lifestyle, and considering all the influencing variables, then ask yourself if such a lifestyle were really possible? If not, go back to the drawing board and paint another picture, the “next best” scenario. That’s part one!

  • Second, take another look at the picture you’ve just painted and if “getting there” requires setting the same goals that you traditionally set yourself every year, then maybe you need to get even more honest with yourself and ask if that’s really what you want. Because if you’re going to simply go through the motions of setting the same old goals, knowing that next year brings with it another opportunity to “try again,” you’ve already lost the battle.

Get real and honest with yourself, because once you have decided what you most care about, you’ll stop sabotaging your goal efforts and start taking small, intentional steps that each day, move you a little closer to your desired lifestyle.

Don’t Say It’s Genetic

Let me preface this post by saying that it is not a bragging post! It’s a post intended to inspire fitness goals by encouraging what I believe is the key component to any successful training plan, and that is, consistency!

I got to thinking about the idea of this post several weeks ago, when my work colleagues and I had gathered together for a lunchtime meeting (for those of you who don’t know, I work at a fitness centre that specializes in Supervised High Intensity Strength Training). Our employer, who led the meeting, was about to point out that some individuals – and he looked in the direction of one of our team members – are blessed when it comes to body composition and how they respond to resistance training. But before he could get the words out, my colleague – the one who had been singled out – was quick to interrupt with the following words, “DON”T say it’s genetic!”

This co-worker of mine is undeniably shredded; he looks amazing, and is in way better shape than most other guys. He was quick to respond because he objected to what he assumed was about to be insinuated. And I can hardly blame him. As a woman who is unusually lean and toned – when compared to other Gen-X’ers – I am frequently told how genetically lucky I am to be able to skate through my mid-life years without gaining too much fat or losing too much muscle mass.

Here’s the thing; while it’s most probable that some individuals are ‘hyper-responders” who tend to see their exercise efforts pay off a little quicker than others, the end result  ultimately goes back to hard work and consistency. Someone I know – whose training disciplines I really admire – sometimes challenges me when he knows I’m physically holding back; he’ll jokingly say, “Those muscles aren’t painted on!” While said in jest, he also means it quite literally. He knows my lifestyle, and the daily habits that I rarely deviate from. My co-worker too, is solid in his everyday commitment to living his life in a way that produces specific and intentional outcomes.

So whether you’re a hyper-responder or not is completely irrelevant, because anyone is capable of getting rid of fat and improving muscle tone…… regardless of age, size, or genetic ability. Granted it may take a little longer for some, but change is inevitable when CONSISTENCY is the core driving factor behind any training and nutrition plan!

Early morning PT session with my favourite instructor, Sarah Colebrook


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Why Does Hair Go Frizzy?

In humid summers or rainy autumns, the hair tends to go frizzy and fluffy, hard to handle. But there are several reasons that can affect your precious locks. Here are the most common reasons why the hair goes frizzy.

1. Humidity

This is the most obvious and number one reason of all, and I’m sure we all know how a humid summer day or rainy autumn can change the look of our hair in no time. But what exactly happens with the hair that changes it so radically? Simple: as we all now, the water (humidity in the air) is two parts Hydrogen and one part Oxygen. The high level of Hydrogen creates new bonds in the hair, which means your hair absorbs water at a molecular level, swelling until it changes the outermost layer of your hair. And if this happens with each hair piece, we already know what it looks like as an overall look.

Quick tips: If this is the main reason why your hair becomes frizzy, try a Keratin treatment. There are many different ones to chose from, depending on your hair type and the desired results. Also, it would help a lot to use anti humidity hair care products.

2. Dry or damaged hair

Based on the description above, it is quite obvious that dry hair will absorb even more water and therefore cause a more severe frizziness. Same with damaged hair, as the structure of your hair, is compromised and it would be more prone to become the fluffy.

Quick tips:

Do your best to keep your hair hydrated. Keep it away from the sun, chlorine and salt water as much as possible and maintain your hair healthy at all times. When swimming a lot or going to the beach, rinse your hair thoroughly and put conditioner on before you enter the water and use a hat when staying in the sun for a longer time.

3. Having the wrong haircut for your hair type

Every hair is different in its way: texture, density, colour treated an,d we all have different hair care routines. When getting a haircut done, it is essential to take in consideration all these factors, so that the final result will be the same even with your daily routine. Make sure the shape of the haircut helps you manage your hair instead of making your life harder.

Quick tips:

Tell your hairdresser your concerns before having a haircut. In general, if you want to avoid frizziness, avoid getting your hair layered and choose the right hair care products.

4. Using the wrong hair care products

Some lucky ones out there don’t need special care with their hair, and some just need a bit of an extra push to get a neater look. When choosing hair care products, seek professional advice. Because there are endless hair types and various lifestyles, there is now a wide variety of products that fit each and one of us. Find out from your hairdresser with one is best for you!

Quick tips:

Sometimes an anti-frizz shampoo and conditioner are enough, but in some cases, you might need a smoothing range or a styling product that will manage your curls. Also, if the hair is dry, you might need a moisturising or nourishing product instead.

5. Your daily routine

Want it or not, every hairstyle needs to be looked after. This means, the way you treat it (products you use), the way you dry it and style it, everything will contribute to the final result which you will wear for a couple of days between your hair washes. If you’re unsure what’s the right way to manage your hair, or when getting a new look, ask your hairdresser how to deal with it at home.

Quick tips:

Avoid drying your hair upside-down. If you want it to dry naturally, use a diffuser and a product that will help tame the frizz and separate the curls.


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Nancy Pelosi Takes a Stand for Abortion

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House Minority Leader Nancy Pelosi (D-Ca) is a modern-day version of the charlatans Jesus was referring to when He said, “Woe to you, teachers of the law and Pharisees, you hypocrites! You are like whitewashed tombs, which look beautiful on the outside but on the inside is full of the bones of the dead and everything unclean. In the same way, on the outside you appear to people as righteous but on the inside you are full of hypocrisy and wickedness.”

Nancy Patricia D’Alesandro Pelosi prides herself on being a devout follower of Catholicism, but don’t let that fancy lace mantilla fool you. Apparently, to senior citizen/former Catholic schoolgirl Nancy Pelosi, church doctrine is similar to sagging skin; if it gets in the way, she trims it off and tosses it aside.

One time, when speaking about how the health care law impacts abortion, Nancy said, “[Those who disagree] may not like the language, but the truth is what I said. I’m a devout Catholic and I honor my faith and love it. . .but they have this conscience thing [that puts women at risk.]”

Resplendent in her rosary bead-inspired signature $20,000 – $80,000 Tahitian pearls at a recent press conference and “knowing more about having babies than the pope,” Nancy was asked by a Catholic how she feels, as a Catholic, about the government issuing a regulation that virtually forces “Catholic individuals and institutions to act against their conscience.”

Visibly annoyed, Nancy Pelosi responded by saying, “Is this a speech or do we have a question disguised as speech?” Too bad Nancy wasn’t asked a more entertaining question, like “are you really a fashionable middle-aged woman or just an elderly grandmother disguised as a fashionable middle-aged woman?”

Referring to the government’s overreach into religious sensibility, the anonymous questioner informed the former speaker that “We cannot and will not comply with this law” – a  law that “[w]ill require all healthcare plans to cover sterilization and all FDA-approved contraceptives including those that induce abortions.” This will force “Catholic individuals and institutions to act against their conscience.”

The unidentified voice pressed the visibly peeved Pelosi further with the challenge, “Will you stand with your fellow Catholics in opposing this law?” Translation:  Nancy, are you going to behave like a Catholic, or remain a loyal deaconess lovingly attending the votives at the Saline, Scalpel and Suction Shrine located on the left side of the First Church of Liberalism?

With a knuckle to the nose to brush away an annoyed sniffle, Ms. Pelosi, who has professed a “deep love for the Catholic Church” (just not its tenets), looking a tad uncomfortable, refused to make eye contact with the questioner.

Knowing full well that church leaders and parishioners are appalled at such an assault on religious freedom, Nancy, who is in so much denial she likely still hasn’t applied for AARP and has her Botox provider on speed dial, responded in an ecumenical, all-inclusive way by saying “I’m going to stand with my fellow Catholics in supporting the administration on this.” Huh?!

Cave just this once, Grandma, and put on those reading glasses – Catholics are outraged!

Sounding like a confused dementia patient, after saying that Catholics who don’t support sterilization, birth control, and abortion would support the mandate that enforces all three, without identifying who “they” are Pelosi said, “I think it was a very courageous decision that they made and I support it.”

So there you have it; Nancy Pelosi defines courage as the federal government’s brave decision to dominate religious institutions, and in so doing, in defiance of dogma, conscience, and God Himself, has issued a command to pro-life Christians to genuflect before the god of female reproductive rights.

Not only is Ms. Pelosi supportive of such “courageous” edicts, she has decided to “stand.” However, her standing will not be with Catholics: “House Minority Leader Nancy Pelosi (D-CA) vowed today that she will join with the Obama administration in standing up against the Catholic church in defending a new regulation that will require Catholic individuals to buy, and Catholic institutions to provide, health insurance plans that cover sterilizations and artificial contraceptives, including those that induce abortions.”

It appears that Barack Obama and proud catechist Nancy Pelosi have chosen the Catholic Church for their pilot study in government infringement upon the First Amendment right to free exercise of religion; to hell with Church teaching, to hell with personal principles, to hell with the notion of right and wrong, and most importantly, to hell with the document that defends all our rights, the United States Constitution.

And to prove how committed she is to the cause, staunch Catholic Nancy Pelosi is willing to take up pew space at Saints Peter and Paul Church in San Francisco and defiantly continue to receive communion while courageously supporting a government edict that sanctions murder.

  1. Rick Sandra

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Polite comments encouraged.


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Tag Archives: Jim Crockett Promotions

My 1-2-3 Cents Episode 295: Wrestling with the 80s

Summertime in the 1980s meant one thing for me as a wrestling fan, The Great American Bash. The first incarnation of this legendary event happened 35 years ago this month (July 6, 1985).

I have fond memories reading about these shows and later renting them on VHS from the local video store weeks after they aired on closed-circuit or pay-per-view television. The biggest thing to come out of the GAB is the first-ever War Games match.

The brand is alive and well today with WWE using it over the last couple of weeks on NXT. It makes me happy to relive the nostalgia. But what do you think about the history and the legacy of the Great American Bash?

I’d love to know what you think about this show. Please follow My 1-2-3 Cents on social media: Facebook, Instagram and Twitter (@my123cents). You can also subscribe to the My 1-2-3 Cents blog and YouTube channel. And follow the Jittery Monkey Facebook page for updates too. Thanks!

Check out the Pro Wrestling Tees store too. And shop COLLARxELBOW with promo code MY123CENTS. Right now you can save at least 10 percent on items.

Don’t forget to leave a review. I’d love to hear YOUR 1-2-3 Cents about My 1-2-3 Cents.


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By John Helmer, Moscow

The Central Bank of Russia has authorized Suleiman Kerimov to take shareholding control of Vozrozhdenie Bank from Dmitry and Alexei Ananiev. The negotiation between Kerimov and the Central Bank occurred late last week. The Ananievs were absent abroad.

Eight weeks earlier, on December 15, the Central Bank had ousted them from shareholding control of Promsvyazbank, the first of the Ananiev banks; announced several billion dollars in bailout financing,  and began an  investigation of the Ananievs for grand larceny and fraud.  The Central Bank and the Finance Ministry have subsequently decided to nationalize Promsvyazbank.

The new deal with Kerimov privatizes Vozrozhdenie Bank on terms which provide state bank funding and guarantees, details of which have not been officially announced.

The circumstances of the double bailout are unprecedented in Russian banking history. Never before have two suspected bank thieves on the run been replaced by a man under arrest and facing trial for money laundering, fraud, tax evasion and other crimes.

There is one difference between the Ananiev brothers and Kerimov. For the time being, the Ananievs have yet to face criminal or civil charges in a Russian court; they have taken the Central Bank to court in Moscow charging abuse of power. Kerimov, by contrast, is facing indictment by French prosecutors in Nice for financial transactions identified in the Nice magistrate’s records  at almost one billion Euros. He is under house arrest at Cap d’Antibes, with a court-ordered bail of €40 million to relieve him of imprisonment after he had served two days.

There is one more difference. According to the United Nations Convention Against Corruption (UNCAC) which Russia ratified in 2006,  Kerimov as a senator in the Federation Council is a politically exposed person (PEP) who cannot be authorized to take control of a bank while he exercises political functions unless he meets exceptionally strict domestic and international standards of disclosure and supervision.  Kerimov cannot qualify.  In addition, Russian law on the status of elected officials prohibits Kerimov from conducting business transactions with the Central Bank or anyone else for personal gain.

The Central Bank was asked this week to confirm whether it had negotiated in Moscow with Kerimov and authorized him to take control of Vozrozhdenie from the Ananievs.  The bank refused to say by telephone, and did not provide an official release. It requested an email of the question, and then  refused to answer.

Senator Yury Vorobyov (Vorobiev), deputy speaker and head of the Federation Council’s control commission for enforcement of the senators’ code of conduct, was asked if Kerimov’s negotiations with the Ananievs in January and with the Central Bank a few days ago violate the law prohibiting members of the Council from carrying on business. Vorobyov refused to respond either directly, or through a spokesman.

At the time of Promsvyazbank’s (PSB) takeover by the Central Bank on December 15,  Vasily Pozdyshev, a deputy governor of the Central Bank, said the Central Bank bailout of PSB would  require between Rb100 billion and Rb200 billion ($1.7-$3.4 billion), based on his preliminary estimate.

PSB reported at the same time “the bank ranks 9th by total assets among Russian banks (with RUB 1.3 trillion as at 1 December 2017) and is on the list of systemically important credit institutions. The Bank established correspondent relations with 297 credit institutions, its portfolio comprises a total of 2.73 million clients, including corporates, SMEs and some 2.5 million individuals, and operates offices across all federal districts.”

Source: https://www.psbank.ru/~/media/Files/Bank/Investors/Investor_Presentation/IP_eng.pdf

The PSB announcement  wasn’t a concession by the Ananievs that they were letting go, let alone losing their bank.  They claimed the December deal was “to enhance the Bank’s financial stability and ensure its business continuity in the banking market, the Bank of Russia is to be engaged as an investor using the resources of the Fund of Banking Sector Consolidation.”

This month in a presentation  PSB claims it is too big to fail, by Russian standards – a “systemically important financial institution” and the “#3 privately owned bank in Russia by assets”.  By the time the bank said this,  it was no longer privately owned, since the Ananievs have fled abroad.

Left to right: Dmitry Ananiev; Alexei Ananiev; Vasily Pozdyshev.

Their flight was triggered by a public accusation by Deputy Governor Pozdyshev that the brothers  had looted the bank. “From a market-focused bank it turned into a lender which financed its owners,” Pozdyshev said. “The amount of loans issued to the owners exceeds the bank’s capital.” As of December 15, he calculated that Ananiev self-lending exceeded Rb150 billion ($2.6 billion).  When the Central Bank took over, a provision for non-recovery or loss of that money was made out of the bank’s capital of Rb104 billion ($1.8 billion). That left PSB with just Rb52 billion  ($897 million) in the kitty. According to Pozdyshev, the refinancing requirement from the Central Bank is three times as much.

In mid-January the Central Bank’s bailout had become the conversion of PSB into a state entity, “a special-purpose bank for serving military-industrial-complex businesses”, according to an official release.  The estimate of the black hole the Ananievs had left behind had grown to Rb200 billion ($3.5 billion). Converting PSB, it was announced,  would shift up to Rb1 trillion ($17 billion) in loans for the industrial complex, including loans from state banks like Sberbank, VTB, Gazprombank,  and Rosselkhozbank, all of which are already under US and European Union sanctions. The loans are covered by Russian state guarantees, but their transfer to PSB was reported by the Finance Ministry to require fresh capital backing  for PSB of Rb80 billion ($1.4 billion).

The state bankers, German Gref of Sberbank and Andrei Kostin of VTB, have told the press they oppose the government’s decision to move the bulk of bank lending for the military-industrial complex to PSB, and thus into competition with themselves.   Their lobbying against the move caused the Finance Ministry to retreat from clarity on what shape the new, nationalized PSB will take.

Press reports in Moscow indicate the Ananievs are being investigated for looting the bank through related-party loan and other fraudulent schemes, but so far no PSB executives have been arrested, and no charges have been laid.  This week it was reported that a fortnight after the Central Bank had taken over PSB, the brothers arranged  the transfer of Rb4.5 billion ($83 million) in cash from PSB to Vozrozhdenie Bank, which they also controlled.  Reportedly, the cash was moved between the banks on December 28 and 29 in convoys of trucks.   It is suspected the cash was then transferred to Ananiev accounts abroad.

A few days earlier, expressing itself with euphemisms, the Standard & Poors Rating agency  downgraded Vozrozhdenie Bank by a notch on account of what it called “contagion risks” and the bank’s inability “to maintain liquidity cushions”.   The bank objected, claiming it had raised its “liquidity cushion” to Rb78 billion ($1.4 billion), and that clients’ funds were on the rise at Rb141 billion ($2.4 billion), as of September 30.

The Moscow stock market didn’t believe it; the bank’s share price and market capitalization plummeted. Downwards, too,  went the value of the Ananievs’ stake. At today’s share price, this is worth the equivalent of about $110 million.

Source: https://markets.ft.com/data/equities/tearsheet/summary?s=VZRZ%3AMCX

Alexei Ananiev has responded in the Russian press that the allegation of his criminal cash-out by truck  is “complete nonsense”. He and his brother have launched lawsuits in the Moscow courts to challenge the Central Bank actions and allegations. They say they are the victims of fraud, not the perpetrators.

In their version, the Ananiev brothers had struck a deal with Central Bank deputy governor Dmitry Tulin (right) for recapitalization of PSB by the sale of non-bank assets and by repayment of PSB loans to their entities. The Central Bank reneged on this deal, the brothers claim.  “I had a clear understanding,” Dmitry Ananiev told a Moscow newspaper, “that the bank had time until at least the middle of next year, but in the optimum scenario the whole of next year to show a profit and results we promised, month-by-month. The provisions which appeared after the (Central Bank) check we could have covered with the bank’s profit. There was no need to take such a harsh decision.”

As the Ananievs allegedly trucked cash out of PSB, they started secret negotiations with Kerimov to take over their 52.7% stake in Vozrozhdenie Bank before they lost it altogether. In mid-January, the French prosecutor in Nice announced  that “Mr Kerimov has received a permit from the investigating judge to make a short trip to Russia to visit his close relative, a brother or a cousin”, purportedly because the relative was ailing. The Russian press have subsequently revealed that Kerimov met with the Ananievs to discuss the purchase of their shares through a Kerimov vehicle called Bonum Capital.

Source: http://bonumcapital.ru/

Vozrozhdenie means renaissance; bonum is Latin for a good thing. Bonum Capital’s Russian website reports offices in Moscow, Cyprus and London. The UK-listed entity in the group reports Cyprus clerks as company officers, but a Russian, Murat Aliev,  is given as the individual with significant control of the company.

Aliev is a longtime employee of Kerimov. He ran the treasury, stock trading, and investment operations for Kerimov’s Moscow holding Nafta Moskva, until Kerimov decided in 2014 to create Bonum as a separate front. Shareholding control, cashflow and tax minimization for Bonum were then divided between entities in Cyprus, the UK and British Virgin Islands.

The Ananievs, Vozrozhdenie Bank, the Central Bank and Bonum Capital have issued no official confirmations of the deal between them. Bonum did tell Reuters that it has proposed names for the new bank board. The terms reported suggest  the Ananievs swapped obligations they and their bank already owed Kerimov in exchange for all but 10% of their shareholding.  They may have agreed with Kerimov on an option to buy back their 43% control stake later and offshore, if the Central Bank agrees.

Two nationalization options for Vozrozhdenie were presented to the Central Bank:  one, a takeover by the pension fund of the state Russian Railways conglomerate, and merger with its cashbox, Absolut Bank; the second, a VTB takeover. Both have been rejected by the Central Bank in favour of the Kerimov privatization. Russian sources believe that even without a cash outlay for the bank shares, Kerimov does not have the money required to recapitalize Vozrozhdenie.

How much this may be has not been estimated publicly. Vozrozhdenie has  issued no  reports on its financial condition since last September;  no audited financial report was published during 2017.   The accountant on the Vozrozhdenie board, Tamjid Hossain Basunia, was at the same time a director on the PSB board, and a former partner of the Russian practice of PriceWaterhouseCoopers (PWC). PWC has been the auditor of both banks.

Moscow and London sources suspect that Kerimov is a front for state financing for the takeover, probably through Sberbank. For details of Sberbank’s closeness to Kerimov’s businesses and his indebtedness to the bank, read this.     For the intimacy between Kerimov and Sberbank chief executive German Gref, click to follow.   Insiders claim they have seen senior Sberbank executives kowtowing to both Kerimov and his operational deputy, Allen Vine, an American.

For the case of the fake privatization of the state licence for Russia’s largest gold deposit Sukhoi Log, in which Kerimov has also been engaged as a front for state bankers, read this

Counting the distress discount for the dwindling Vozrozhdenie Bank, Kerimov’s takeover has cost less than $80 million on paper. If Kerimov and the Ananievs have simply swapped obligations they owe to Sberbank and other state sources, the deal is no more than an accounting transfer on state bank books. The Russian business press have failed to ask. Having neither sources of their own, nor Russian reporting to crib from, details of the Kerimov transaction have also escaped the western business press.

But even if Kerimov is a front man for Sberbank, is he legally permitted to take Vozrozhdenie Bank under either international or Russian law and banking practice?

Source: http://www.vbank.ru/en/  At the June 30, 2017, annual general meeting of the bank both Ananiev brothers led the election to the board. The board members also included Otar Margania (Marganya) who has been associated with the bank for more than a decade, and before that with VTB. Margania’s  record at the bank  can be followed hereMargania’s involvement in the Russian diamond sector is notorious; click to read.

The framework agreed by Russia and the international community for regulating the private gain of public officials, including elected officials like Kerimov, is the United Nations Convention Against Corruption (UNCAC).  The full text can be read here.  140 countries have now signed the convention. Russia signed in 2003 and ratified the convention in 2006. Kerimov is covered as a “person holding a legislative, executive, administrative or judicial office of a State Party, whether appointed or elected, whether permanent or temporary, whether paid or unpaid, irrespective of that person’s seniority.”

The convention requires the implementation of Russian laws and regulations “to adopt, maintain and strengthen systems that promote transparency and prevent conflicts of interest”. For elected officials to negotiate and gain personally from state awards of major assets like Vozrozhdenie Bank, the Central Bank is required by the convention to  follow “appropriate systems of procurement, based on transparency, competition and objective criteria in decision-making, that are effective, inter alia, in preventing corruption.”  Article 10 requires  “transparency in its public administration, including with regard to its organization, functioning and decisionmaking processes.”

Left: Russian General Prosecutor Yury Chaika signs a cooperation agreement with Central Bank Governor Elvira Nabiullina. Right: Jean Michel Prêtre, the French state prosecutor in charge of the Kerimov case in Nice.

Art. 14 not only requires the Russian authorities to “institute a comprehensive domestic regulatory and supervisory regime for banks and non-bank financial institutions, including natural or legal persons that provide formal or informal services for the transmission of money or value.” The article also obliges Russia “to cooperate and exchange information at the national and international levels” in money-laundering. That means exchange of the French evidence against Kerimov for Russian evidence of the sources of the cash he is accused of transporting to France, and spending on real estate.

Kerimov himself, along with the Central Bank and Vozrozhdenie Bank officials with whom he has been dealmaking, are also regulated by UNCAC’s provisions on conflict of interest, trading in influence, abuse of functions,  and concealment. To prevent corruption, UNCAC requires state and commercial banks to maintain “books and records, financial statement disclosures and accounting and auditing standards”; and in particular to detect and prevent “the establishment of off-the-books accounts [and] the making of off-the-books or inadequately identified transactions.” If Sberbank or another state bank is lending Bonum Capital the money the Central Bank requires for recapitalization of Vozrozhdenie, UNCAC requires disclosure of the sum and the terms.  Concealment is an obvious violation.

The Ananievs are charging the Central Bank with multiple violations of these provisions.  They have been accused by the Central Bank of fraud, embezzlement and money-laundering, but have yet to be indicted. Kerimov is under arrest charged with criminal offences in France. The presumption of innocence applies to their fates, but the requirements of UNCAC apply to the evidence and testimony already in circulation. The extent of this evidence requires the Central Bank to be fully transparent in the deal it has done with Kerimov, and state why it finds Kerimov a fit and proper person.

When the Central Bank refuses after repeatedly being asked to confirm its deal with Kerimov for Vozrozhdenie,  it is openly flouting UNCAC and its implementing Russian legislation. For elaboration of codes of conduct and standards of disclosure required for Politically Exposed Persons (PEPs), read this World Bank report.

There been no exchange of evidence or cooperation between the French and Russian prosecutors. Instead, the Russian side has been attempting to arrange Kerimov’s escape from French jurisdiction and custody. Gref is the Russian official leading this effort. Other Russian state officials involved against the French include several senators and the Kremlin spokesman, Dmitry Peskov; they are named here

A veteran Russian banker comments that so long as Russia is facing both US and European Union sanctions, Kerimov should be defended at home. “Let us not forget that the person has official status in the Russian polity. One should ask whether that is compatible with a European indictment. The latter may be politically motivated and an instrument of war.”

Since 2013 it has been illegal for elected officials like Kerimov to hold assets offshore. Kerimov devised a Swiss foundation to sidestep the law; one of the Swiss associates at his foundation, Alexander Studhalter,   has also been arrested in Nice, and indicted for acting as Kerimov’s straw man in the offences which have been charged against Kerimov himself.  At last report, Studhalter is still in prison; he says he is innocent. For details of Kerimov’s Studhalter scheme and the loopholes in Russia’s law, read this

The Federation Council claims it has cracked down on offshore asset disclosure and commercial business operations by its senators. Several of them have resigned either voluntarily or under pressure. None among the sitting senators has been prosecuted. For more on other cases, read this.  Since he took his Federation Council seat in 2008, Kerimov and his spokesmen have not provided evidence   of a speech in the chamber, a piece of legislation he has drafted,  or a vote he has cast.  This week Senator Vorobyov (right), whose committee is in charge of enforcement of the laws covering senators’ conduct, was asked if Kerimov’s negotiations for the takeover of Vozrozhdenie  Bank violate the law. Vorobyov refuses to answer.      “For sheer cynicism, this takes even my breath away,” comments a veteran international banker who knows Kerimov well enough never to have agreed to lend him money. “Everybody knows who supplies Kerimov with money, and what they get out of the relationship. In Nice the French are only doing to him what should have been done by the Russian prosecutors over the past twenty years. That [Central Bank Governor Elvira] Nabiullina should authorize Kerimov to replace the Ananievs as camouflage for another state nationalization for yet another criminal failure by a Russian system bank tells me this has nothing to do with US sanctions. This is a Russian disgrace – and there’s not a Russian banker who dares say so.”

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Punk Rocker

A nurse was on duty in the emergency department, when a punk rocker entered. This young woman had purple hair styled into a mohawk, a variety of tattoos and strange clothing. It was determined that the patient had acute appendicitis and was scheduled for immediate surgery. When she was completely disrobed on the operating table, the staff found that her pubic hair had been dyed green, and above it was a tattoo reading, ”Keep off the grass.” After the prep and the surgery, the surgeon added a small note to the dressing which said, ”Sorry, had to mow the lawn.”

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JE Co: Let’s Add Value to Your Business

JE Co is a Fort Worth-based app development company, Texas. We work with a simple idea in mind: Help businesses take advantage of today’s technology. Being a young but fast-growing digital agency, we work alongside with startuppers and established brands revealing the true potential of their business and helping to reach the desired goals. Proficient IT specialists know how to move forward and overcome the challenges by means of intelligent IT solutions. Creative app designers craft stunning user experience bringing users interaction with their devices to the next level. We have sufficient expertise in building slick business apps, managing the project, and deploying all the necessary SDKs, frameworks, and other tools. Our skill set and professionalism ensure that we can provide our customers with tailored digital products on time and within the project budget.

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We stick to the idea that we succeeded only when our products have real value for our clients. Our mission is to deliver IT solutions that help our customers to overcome their challenges and get valuable outcomes. We provide business with consulting services and help to identify priorities based on their needs and goals. That is why, our project managers always strive to acquire a full insight into clients’ business, workflow, occurring problems and desired objectives. A profound understanding customer’s situation enables us to craft a software solution that perfectly fits the company. We utilize gained experience and proven practices to help our clients achieve the desired objectives. We encourage our customers to dream bigger because we know how to bring this dreams to life.

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Righties still think feminism is anti-motherhood

News you want to discuss. Threads should start with a reference or fact. Straight opinion is better housed in "The Lounge" below.
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Righties still think feminism is anti-motherhood

Postby Marie » Tue Jan 21, 2020 1:24 am

Right-wing National Review gleefully thinks it has identified a cadre of anti-feminist feminists. Like all righties, they love to argue with an argument nobody ever made:

https://www.nationalreview.com/corner/f ... st-choice/

A reminder: Feminism is now, and always has been, about women having the choice whether to go to work or be stay-at-home moms. Anyone who was there at the revolution knows this.

Despite some women's misinterpretation, feminism was then, and always has been, about women trusting their own perceptions and following their own bliss. To be a stay-at-home mom BY CHOICE is classic feminism, not a betrayal of it.

You find out what someone is really like in "battle," and Olbermann is who you want to be in a foxhole with, Patrick said. "On the air, we had each others' backs," said Olbermann.
-David Goetzl: "Keith Olbermann, Dan Patrick still brothers long after ESPN's 'Big Show'"; MediaPost blog, 4-6-2012

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Home / 2020 / September

Monthly Archives: September 2020

TRUST LIKE A CHILD – Pastor Chris Sunday, September 27. 2020 Trust in the LORD with all thine heart; and lean not unto thine own understanding (Proverbs 3:5). Being trusting isn’t the same as being gullible, and recognising this distinction is essential because there’re gullible people who think they’re trusting. ...

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LIVING IN CHRIST – Pastor Chris Wednesday, September 23, 2020. So then, just as you have received Christ Jesus as Lord, CONTINUE TO LIVE YOUR LIVES IN HIM (Colossians 2:6 NIV). Before we review Paul’s amazing submission in the verse above, let’s read what he said in the 20th verse: ...

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Safety Checkup Game -9ijakids

Safety Checkup Game -9ijakids Are you confident that your child knows what is required to keep safe when physical school resumes? 9ijakids in collaboration with @theSafetyChic has designed a safety game as part of school reopening readiness. Its a fun and engaging game to equip children with the knowledge of ...

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Dice In Dice Worksheet

In Free Printable Worksheets168 views
Printable Worksheets and Activities for Teachers, Parents, Tutors and Homeschool Families

Table of Contents :

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Printable Worksheets and Activities for Teachers, Parents, Tutors and Homeschool Families
Have faith. But just because it's possible, doesn't mean it will be easy. Know that whatever life you want, the grades you want, the job you want, the reputation you want, friends you want, that it's possible.

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About Lavender Catering

Our story

Love Grazing Table

Our Story

Since 2007

Here are Lavender Catering  we simply have a love of food, Presentation and Styling.

We are proud to say we are very conscious about our planet, so we are doing our very best to use sustainable re-usable products wherever possible. Our refuse is collected and recycled, our food waste is recycled back to make energy and none of it goes to landfill.

We specialise in outside catering & event management and our passion is all about creating, cooking and delivering beautiful food for all your occasions.

We are creators of mouth-watering and tempting menu’s for all your occasions and specialise in Buffets, private and corporate Lunches, Funerals, Celebrations, Wedding and Launches.

Our approach

Our Experience

With fifteen years of event management background we are also not just about food. We can help you with your event from concept to completion – including finding the perfect venue, equipment rental, beautiful floral arrangements, all types of music, themed areas and staffing.

We are sticklers to attention and detail and whether we are providing a platter of sandwiches for a business lunch, a private dining affair or a sit down wedding buffet for 300 each we aim to create a long term relationship with all our clients.

IMG_5550 copy

Indoor & outdoor dining services

Affordable, Enjoyable and Hassle Free

Affordable, Enjoyable and Hassle Free

In the kitchen…

An Introduction

Experienced Head Chef Melanie Williams has clocked a good few hundred hours of experience in various kitchens. As a specialised event chef, Locations include Chelsea Football Club, Lingfield Race Course and Reading FC, and just recently has acclaimed the position of Head Chef at The Royal Berkshire Polo Club.

When more chefs are needed for our bigger events we bring on board chefs with exceptional abilities and experience.

And the team all has one thing in common – and that is a passion to create beautiful, fresh, seasonal mouth-watering menus.

Please meet

our team

Our in-house team have a great art to plan and manage magical and memorable events.  Before your celebration we can arrange and plan your event expectations so from the moment everyone arrives until the last guest has left, the event will run smoothly, on time and within budget.

We choose our teams very carefully and ensure that everyone is professional, they always smile, are wholly reliable, good time keepers and have oodles of passion whilst serving our beautiful food to all the guests making them feel special.

We are blessed to be able to work with some really amazing colleagues in the industry, and like us it is all about Vision, Beauty and the Wow factor. Our stylists are always on hand to help guide you every step of the way to make your day or event absolutely perfect in every way.

Our most valuable asset

Our Amazingly Friendly Team

Our Amazingly Friendly Team
Melanie Williams

Melanie Williams

Head Chef/Owner

Meet Melanie – With many years of kitchen and Event Experience and a key eye for detail, Melanie heads up the entire operation for Lavender Catering

Emma Gibbons

Emma Gibbons

Head of Operations

Meet Emma, who keeps the whole operation running, booking staff, ordering food, and making sure everything is packed and ready to go for a success event

Linda Mandeville

Linda Mandeville

Star Baker and Front of house Manager

Meet Linda, a very important cog in our wheel, our star baker to helps with our delicious food and on site ensures the team on the floor look after our guests and get fed on time.

Krisztina Huzzar

Krisztina Huzzar

Head of Accounts

Meet Krisztina – a human calculator and manages to keep all the budgets in line and ensures all our financial administration runs like clockwork, on time and within our clients budget.


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Nonton The Kissing Booth 2 sub indo

The Kissing Booth 2

Genre: Comedy, Romance
Year: Duration: 132 MinView: 153 views
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High school senior Elle juggles a long-distance relationship with her dreamy boyfriend Noah, college applications, and a new friendship with a handsome classmate that could change everything.

Tagline:Rules can be broken…but so can hearts.

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