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Time to Sell PPL?

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Should you sell PPL (NYS: PPL) today?

The decision to sell a stock you've researched and followed for months or years is never easy. If you fall in love with your stock holdings, you risk becoming vulnerable to confirmation bias -- listening only to information that supports your theories, and rejecting any contradictions.

In 2004, longtime Fool Bill Mann called confirmation bias one of the most dangerous components of investing. This warning has helped my own personal investing throughout the Great Recession and the recent volatility throughout early August. In this series, I want to help you identify potential sell signs on popular stocks within our 4-million-strong Fool.com community.

Today I'm laser-focused on PPL, ready to evaluate its price, valuation, margins, and liquidity. Let's get started!

Don't sell on price
Over the past 12 months, PPL is down 3.3% versus an S&P 500 return of 9.1%. Investors in PPL are no doubt disappointed with their returns, but is now the time to cut and run? Not necessarily. Short-term underperformance alone is not a sell sign. The market may be missing the critical element of your PPL investing thesis. For historical context, let's compare PPL's recent price to its 52-week and five-year highs. I've also included a few other businesses in the same or related industries:

Recent Price

52-Week High

5-Year High

Southern (NYS: SO) $39.21$40.87$40.90
Exelon (NYS: EXC) $40.72$45.27$92.10
NextEra Energy (NYS: NEE) $52.69$58.98$73.80

Source: Capital IQ, a division of Standard & Poor's.

As you can see, PPL is down from its 52-week high. If you bought near the peak, now's the time to think back to why you bought it in the first place. If your reasons still hold true, you shouldn't sell based on this information alone.

Potential sell signs

First up, we'll get a rough idea of PPL's valuation. I'm comparing PPL's recent P/E ratio of 10.7 to where it's been over the past five years.

Source: Capital IQ, a division of Standard & Poor's.

PPL's P/E is lower than its five-year average, which could indicate the stock is undervalued. A low P/E isn't always a good sign, since the market may be lowering its valuation of the company because of less attractive growth prospects. It does indicate that, on a purely historical basis, PPL looks cheap.

Now, let's look at the gross margins trend, which represents the amount of profit a company makes for each $1 in sales, after deducting all costs directly related to that sale. A deteriorating gross margin over time can indicate that competition has forced the company to lower prices, that it can't control costs, or that its whole industry's facing tough times. Here is PPL's gross margin over the past five years:

Source: Capital IQ, a division of Standard & Poor's.

PPL is having some issues maintaining its gross margin, which tends to dictate a company's overall profitability. PPL investors need to keep an eye on this troubling trend over the coming quarters.

Next, let's explore what other investors think about PPL. We love the contrarian view here at Fool.com, but we don't mind cheating off of our neighbors every once in a while. For this, we'll examine two metrics: Motley Fool CAPS ratings and short interest. The former tells us how Fool.com's 170,000-strong community of individual analysts rate the stock. The latter shows what proportion of investors are betting that the stock will fall. I'm including other peer companies once again for context.

CAPS Rating

Short Interest (% of Float)

NextEra Energy51.2

Source: Capital IQ, a division of Standard & Poor's.

The Fool community is rather bullish on PPL. We typically like to see our stocks rated at four or five stars. Anything below that is a less-than-bullish indicator. I highly recommend you visit PPL's stock pitch page to see the verbatim reasons behind the ratings.

Here, short interest is at a mere 2.4%. This typically indicates few large institutional investors are betting against the stock.

Now, let's study PPL's debt situation, with a little help from the debt-to-equity ratio. This metric tells us how much debt the company's taken on, relative to its overall capital structure.

Source: Capital IQ, a division of Standard & Poor's.

PPL has been taking on some additional debt over the past five years. When we take into account increasing total equity over the same time period, this has caused debt-to-equity to remain near its 5-year average, as seen in the above chart.  I consider a debt-to-equity ratio below 50% to be healthy, though it varies by industry.  PPL is currently above this level, at 169.1%.

The last metric I like to look at is the current ratio, which lets investors judge a company's short-term liquidity. If PPL had to convert its current assets to cash in one year, how many times over could the company cover its current liabilities? As of the last filing, PPL has a current ratio of 1.17. PPL could cover its current liabilities, but it's still below a healthy level of 1.5.

Finally, it's highly beneficial to determine whether PPL belongs in your portfolio -- and to know how many similar businesses already occupy your stable of investments. If you haven't already, be sure to put your tickers into Fool.com's free portfolio tracker, My Watchlist. You can get started right away by clicking here to add PPL.

The final recap

PPL has failed only 2 of the quick tests that would make it a sell. This is great, but does it mean you should hold your PPL shares? Not necessarily. Just keep your eye on these trends over the coming quarters.

In order to do that, I strongly recommend clicking here to add PPL to My Watchlist  to help you keep track of all of our ongoing coverage of the company.

At the time this article was published Jeremy Phillipsdoes not own shares of the companies mentioned.The Fool owns shares of and has written puts on NextEra Energy.Motley Fool newsletter serviceshave recommended buying shares of Southern and Exelon.Motley Fool newsletter serviceshave recommended creating a covered strangle position in Exelon. Try any of our Foolish newsletter servicesfree for 30 days. We Fools may not all hold the same opinions, but we all believe thatconsidering a diverse range of insightsmakes us better investors. The Motley Fool has adisclosure policy.

Copyright © 1995 - 2011 The Motley Fool, LLC. All rights reserved. The Motley Fool has a disclosure policy.

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3 Dow Winners on a Down Monday

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Like most of us, Congress returned to work today, and investors didn't appear to be all that happy about it. Everyone would like a quick resolution to issues like the fiscal cliff, but the slow turnings of government make it more likely that we'll have potential tax increases to worry about well into December. Regardless, with earnings season largely over, investors are likely to make markets drift aimlessly until some clarity asserts itself on economic, fiscal, and geopolitical uncertainties. The Dow Jones Industrials (INDEX: ^DJI) gave back 42 points after last week's strong performance.

A few Dow stocks managed to buck the trend, however. Hewlett-Packard (NYS: HPQ) was the biggest gainer in the Dow, rising more than 2% to add to its recovery from last week's Autonomy debacle. With an investor class action lawsuit alleging HP's knowledge of Autonomy's misrepresentations, you can bet that it'll be months before the latest episode in HP's ongoing saga of difficulties fully plays itself out.

Cisco Systems (NAS: CSCO) also posted a nice gain of more than 1%. Despite no huge news that appears responsible for the move, Cisco does appear to be bargain-priced. If the company can produce anything close to the growth it once managed as a smaller company, then its share price has plenty of room to run.

Finally, Intel (NAS: INTC) rebounded from recent losses to gain just less than 1%. Despite the company's rich dividend, Intel has worried investors who don't see how it can keep up with mobile chip advances from Qualcomm (NAS: QCOM) and other rivals. Unless Intel can get into mobile more quickly, it may never regain its leadership role as PC sales decline.

Is tech really a buy?
All these rising tech companies should make you wonder if the recent correction has made tech stocks a buy. For instance, once a highflying tech darling, Cisco is now on the radar of value-oriented dividend lovers. Find out whether Cisco is a buy right now in our new premium report on the stock, which also has you covered with a full year of free analyst updates to keep you informed as its story changes. Click here now to read more.

The article 3 Dow Winners on a Down Monday originally appeared on Fool.com.

Fool contributor Dan Caplinger has no positions in the stocks mentioned above. You can follow him on Twitter, @DanCaplinger. The Motley Fool owns shares of Intel and Qualcomm. Motley Fool newsletter services recommend Intel. Try any of our Foolish newsletter services free for 30 days. We Fools don't all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.

Copyright © 1995 - 2012 The Motley Fool, LLC. All rights reserved. The Motley Fool has a disclosure policy.

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Miracle Turnaround for Mellanox: Short Covering, Options and Bottom Fishing (MLNX)

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RAMMellanox Technologies Ltd. (NASDAQ: MLNX) was one the great high-flyer stories of the first half of 2012, but ultimately valuation and reality caught up with the stock after shares rose from under $35 to about $120. While this sounds like a biotech outfit, Mellanox is a fabless semiconductor company that designs chips for storage, cloud computing and other new efforts.

Shares were down over 20% last night after earnings, but the stock has managed to come screaming back. Even shortly before high noon, this stock is now positive. The stock was at a low of under $42 right at the open this morning, and the stock now is up 2.6% at $53.07. Its 52-week trading range is $34.55 to $120.05. Usually when you see such a sell-off you rarely see a recovery of this magnitude.

The company had strong results for its fourth quarter, but the issue is around weak guidance. Mellanox said that its revenue will come in under $83 million in the first quarter, and that compared to a $129.5 million estimate from analysts. We have seen multiple analyst downgrades today: Craig-Hallum downgraded the stock to Hold from Buy, and Pacific Crest downgraded the stock to Sector Perform from Outperform.

Elsewhere, Piper Jaffray maintained an Outperform rating and lowered the target price to $52 from $65 due to it having a competitive advantage and due to ramping up R&D this year. Mizuho Securities maintained its Buy rating but cut the target to $60 from $75. Needham has a Buy rating but cut the target down to $47 from $75. Wunderlich has a Buy rating but cut the target down to $50 from $90.

One issue that is driving the recovery today is a short-coveriung rally. The short sellers made a killing here, and the most recent short interest was the second highest seen, at 7.293 million shares. That is almost 5.75 days to cover and compared to 7.33 million shares short the prior report.

The current trading volume is already 7.8 million shares, and the average daily volume is just over 1.5 million shares. The open interest of the most active put options for February was over 30,000 contracts, and that is representative of 3 million shares on a fully leveraged basis. The flip side is that the call options had an open interest of far less in the open interest.

Profit-taking in the put options and short-covering is largely at work here, plus some good old-fashioned bottom fishing.

Filed under: 24/7 Wall St. Wire, Active Trader, Consumer Electronics, Earnings, Earnings Warning, Semiconductor, Technology, Technology Companies Tagged: MLNX
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S&P 500 2,343.98 -1.98 -0.08%
DJIA 20,596.72 -59.86 -0.29%
NASDAQ 5,828.74 11.04 0.19%
DAX 12,064.27 24.59 0.20%
NIKKEI 225 18,985.59 -276.94 -1.44%
HANG SENG 24,199.67 -158.60 -0.65%
USD (per EUR) 1.09 0.00 0.19%
USD (per CHF) 0.98 0.00 -0.33%
JPY (per USD) 110.16 -0.39 -0.35%
GBP (per USD) 1.25 0.00 0.27%

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Is Microsoft Making a Blunder With Its Newest Xbox?

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It was supposed to be the biggest console unveiling since... the Xbox. Gamers anticipated the new console, waiting for the latest installment from a company that helped transform the console gaming industry into what it is today.

Then Microsoft revealed the Xbox One -- and the claws came out.

The post-unveiling online chatter shows gamers are still confused about gaming digital rights and backward compatibility. Non-gamers -- whom Microsoft would like to lure in with the Xbox One -- are left wondering how something with the name "Xbox" could be anything but a gaming console.

Microsoft has made the mistake in trying to please everyone, and so far it seems no one is happy.

Gaming the system
Microsoft made a crucial error with the Xbox One launch: It failed to target its core customer base. As Ars Technica pointed out, the Redmond company talked for 10 minutes about how the system could connect to live TV, yet only showed three short, lackluster gaming clips. Microsoft tried to woo consumers in the vast streaming market instead of focusing on the people who have made the Xbox brand as successful.

While Microsoft could patch things up with gamers at the E3 gaming conference later this month, they've already left a bitter taste in the mouths of their customers. More importantly, they did it without creating a splash with the average consumer.

Let's step back and think about this for a minute. How likely is it for the average consumer who wants a streaming video unit to buy a $400 Xbox One? I'd say ridiculously unlikely. Not when that same consumer can buy a $50 Roku player or a $100 Apple TV. Those systems offer an amazing amount of content, are much smaller, and arguably less complicated to set up and use for beginners.

Apple sold 5 million Apple TVs in 2012 -- not bad for a "hobby" -- but it's the amount of content the company streams that's impressive. Apple takes up 35% of all home network video streaming data in North America on its iPod, iPad, iPhone, Macs and Apple TV. iPad streaming alone is credited with 10% of all entertainment traffic streamed in North American homes. Although the Xbox One comes with a long list of streaming capabilities, grabbing streaming time away from Apple and other competitors won't be a slam dunk.

But will it sell?
Despite its marketing face-plant, the only thing that really matters for Microsoft and its investors is if the Xbox One actually sells. Gamers may be balking at the new system now, but if they're satisfied with the company's E3 presentation and Microsoft quells fears about digital rights management, then it's possible for Microsoft to turn the tide on this.

The Xbox has been the best-selling console every month for over two years and any change with that trend could mean gamers have cooled on the system. Investors need to see how Xbox One sales are out of the gate, especially against the new Sony Playstation. Although it's obviously too early to tell how the One will do, Microsoft surely hasn't helped its chances of success.

Though Microsoft's future doesn't hinge solely on the Xbox One, the gaming console has been a bright spot for the company -- and investors need it to stay that way. The company is struggling in mobile and its latest Windows OS has been highly criticized. Continuing strong demand for Xboxes would be a welcomed sight. In a new premium report on Microsoft, a Motley Fool analyst explains that while the opportunity is huge for the company, so are the challenges. The report includes regular updates as key events occur, so make sure to claim a copy of this report now by clicking here.

The article Is Microsoft Making a Blunder With Its Newest Xbox? originally appeared on

Fool contributor Chris Neiger has no position in any stocks mentioned. The Motley Fool recommends Apple. The Motley Fool owns shares of Apple and Microsoft. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.

Copyright © 1995 - 2013 The Motley Fool, LLC. All rights reserved. The Motley Fool has a disclosure policy.

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Pippa Middleton's first TV interview will be with Matt Lauer for the Today Show

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Pippa's first television interview
Pippa Middleton, younger sister of Britain's Kate, Duchess of Cambridge, is filming her first television interview ever with Matt Lauer! The Today Show announced this morning that Matt headed to London for an exclusive interview with the middle Middleton.

The exclusive interview will air on Monday and Tuesday morning -- yes, in two parts -- and Pippa will be talking about the 3,000 mile, 12-state bike ride she recently went on with her brother James for Bike Across America. She might also mention her life in the royal spotlight, according to Today! Needless to say, we can't wait.

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Aravali Hills Owners and Residents Group

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Tag Archives: alkaline

CO2 Drop Checkers

Drop Checkers are an important piece of equipment in a planted aquarium. In fact without a drop checker how do you actually know what your CO2 levels are? They work by measuring the pH levels in your aquarium. A small amount of test reagent is placed in your drop checker and changes colour according to your CO2 levels. The ideal colour to aim for is green and if you have too little CO2 it becomes blue and too much, become yellow.

Available in a variety of shapes and sizes, some glass, some plastic but they all do the same job. The only difference is that most of them are supplied with a reagent that doesn’t work properly and as a result will give false readings. If you have a drop checker and you use tank water and an orange reagent to measure your CO2 levels, then you need to change (this is the old fashioned/incorrect way) but we’ll get onto that shortly.

All drop checkers need to use 4dkh bromothymol blue solution. This solution is the most accurate on the market and once placed in your drop checker provides accurate results. In a planted aquarium the desired CO2 level for optimum plant growth is 30ppm. When your aquarium has this amount of CO2 in it, your drop checker will turn green – this is why it’s so important. So why shouldn’t you use tank water and the orange reagent that most drop checkers come with?

Tank water contains a variety of acids and alkalines some created by fish and shrimp, others added by hobbyists in the form of fertilisers for their plants.  Therefore by using tank water in your reagent you’re adding a solution that is already changing and this is no good if you want accurate results – you need to start with a stable base level and go from there. This is where the 4dkH bromothymol blue solution comes in handy.

For more information on this subject you can visit this link.

Here’s a nice picture of a drop checker changing colour

Drop Checker changing colour


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Heritage Dawlish Bidet Mixer Tap In Vintage Gold Finish
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Product Code : 21583
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Heritage brings you the diminutive Dawlish Chrome Bidet Mixer Tap, which has a smooth and rounded body and includes a Pop-up waste. For enhanced convenience, it features independent controls for hot and cold water and requires water pressure between 0.2 bar and 8.0 bar for smooth and efficient functioning. Superbly crafted with a body of brass, it is the right choice for getting a seductive sparkle in your bathroom and comes with a stunning chrome finish or a subtle Vintage Gold finish. Guaranteed for five years they are available in pairs only. Please note that the actual product may vary slightly from the one shown in the image.

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  • Heritage Dawlish Bidet Mixer
  • Excellent vintage gold finish
  • Independent control for flow and temperature
  • Traditional design bidet mixer tap
  • Gold plated Pop-up waste included
  • Bidet mixer tap is manufactured with solid brass and is designed to conform to BSEN200
  • Spout projection: 100mm
  • Total height: 100mm
  • Working pressure Min. 0.2 to Max. 8.0 bar
  • 1/2 Inch standard compression valve
  • Centre of inlet to centre of outlet is 130mm
  • Inlet connection : M12 x 15mm copper tail pipes
  • Bidet mixer available in Chrome finish refer code : 21582
  • The "Cross" shape of the handle is slightly different than shown
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Discussion in 'ACF' started by walting_matilda, Mar 8, 2008.

Welcome to the Army Rumour Service, ARRSE

The UK's largest and busiest UNofficial military website.

The heart of the site is the forum area, including:

  1. I need a BFA ASAP! The CTT have lost there one and I need one in a week. Help!
  2. BFA.......for ACF use?? what you on the LSW or something?(although i thought they took all all thier automatic toys away?)
  3. Yeah LSW. Borrow 4 from the CTT and one for firing. But they have no BFA
  4. Where abouts are you?
  5. PM me and we can chat!
  6. Can anyone else help?
  7. Just shout rat a tat tat while you're cocking it!
  8. You've lost a Battlefield Ambulance? Wow, thats some heavy shit w_m!


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Blair in Pakistan

Discussion in 'Current Affairs, News and Analysis' started by DontMentionTheWar, Nov 20, 2006.

Welcome to the Army Rumour Service, ARRSE

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  1. So, what in the name of Jimmy Hill is Tony Blair doing in Pakistan this weekend? It's hardly as if he hasn't spoken to Pakistani president Pervez Musharraf recently - Tony was first in the queue at Waterstones as his recent book signing tour reached London, and they had a cosy fireside chat at Number Ten on who'd be the best publisher to approach for Tony's post-resignation memoirs.

    It appears that so concerned is our Tony that Pakistan's not entirely on-message in the Global War on Terror (TM) that he's gone out there in person, with a large suitcase full of ready cash to help our Pakistan allies reform Islamic schools that may be turning out people who are a bit out of order.

    That's your taxes, going to a country that can afford to build a nuclear weapon. Right.

    We've got nothing against foreign aid. Foreign aid is A Good Thing when properly directed to those who need it. This is foreign aid for political capital, however, but nothing's out of the question between two governments with so little shame.

    It would have nothing to do with Mirza Tahir Hussain's sudden release from prison this week, at the grace of President Pervez Musharaaf, who, up until very recently, was complaining that the whole affair was out of his hands. Nothing whatsoever, so, any exchange between the PM and the President by text message (the secure medium of choice in the world of diplomacy) would certainly not have gone like this:

    Blair - Plz to reles M T Hssn frm prsn
    Pervez - No! Soree!

    Blair - Y not?
    Pervez - Plz to send munee for wr n Trrism

    Blair - OK! And Crzy Frg ringtone
    Pervez - LOL

    Still there's nothing wrong with a bit of red hot discussion if it's going to bring Pakistan back into the fold and sell a few of Pervez' books in to the bargain. Anything, anything to divert attention from Tony's Iraq Disaster gaffe.


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Camcorders - Importing

Discussion in 'Classified Ads' started by TA_sig, Mar 8, 2006.

Welcome to the Army Rumour Service, ARRSE

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The heart of the site is the forum area, including:

  1. Ok I've been looking at a couple of camcorders, contemplating buying one to film all sorts of shenanigans (as seems to be the fashion amongst the discerning squaddy) and some important family events coming up. I notice that prices in the states seem to match uk prices $ for Â£, ie a camera may be $600 in the states and Â£600 here - meaning a considerable markup on UK prices, some 60% increase or so.

    Does anyone have any experience of importing electronics from the US? I'm more concerned about the power or firmware differences than customs fees (Â£20 to Â£50 aint much on potential savings). Is it likely to blow up in my face if I try charging it off a uk power supply? Been looking at the panasonic range of 3CCD cameras, seem to be best value for money.
  2. I've bought quite a bit of IT from the states on ebay, including a laptop which i saved over Â£350 on compared with UK price. I've never had a problem with it, the ebay ratings system gives you more trust than a website you cant check out for sure. I'd say go for it, but there maybe customs implications, although i've never been contacted to pay an import charge.
  3. Not sure about the importing side Sigs, but I can recommend one of the new hard-drive camcorders. I bought a dinky little JVC jobby (MG 50) with a 30 GB built-in hard-drive about six months ago and it is the poodle's gonads. 30 gigs gives you 14 hours recording at normal resolution and half that at high res.

    Dead clever too, if you drop it (and I have, twice :? ) it realises it is accelerating and switches the hard-drive off before it hits the floor. Impresses me anyway...

    No more bloody tapes to lose, damage or change, just download to a PCand back up to either dvd or another external hard-drive.
  4. I bought a camera from Canada last summer, but I took out a world wide guarantee.
    Top of the range with all the extras you can buy etc and it came to $1000.
    When it finally came to the uk market, it was double the price.
    Import, save being ripped of by British tax, if you buy it tax paid in the country of origin.
  5. ViroBono

    ViroBono LE Moderator

    I have one of the JVC hard-drive camcorders, and whilst the HD recording is excellent, I don't use it often and so keep forgetting to charge the battery. Transferring movies onto my Mac is much harder than it should be, though it works well with Windoze.

    So, a hardly used MG20 20GB JVC HD Camcorder for sale. PM me if interested.


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Failed Medical - Appealing against doc's decision

Discussion in 'Army Reserve' started by mistert1234, Oct 1, 2011.

Welcome to the Army Rumour Service, ARRSE

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The heart of the site is the forum area, including:

  1. Hi,

    Just had my medical today (PULHEEMS) and passed all of the tests etc as you would expect. However, I was in a serious RTA when I was 9 and broke/fractured my hip and right leg.

    Doc said he would fail me before he did the checks but I could carry on and appeal against his decision if I wished.

    He did the tests and was surprised at the flexibility of my limbs etc and he didnt encounter any resistance. However, he states that there is a chance in 20 years or so I could get arthritis so there was no way he could pass me.

    I disagree with his decision as this is not certain. My bones healed fully over 10 years ago and have never encountered any problems since.

    I've invested a lot of time in preparation and I've had numerous meetings with OC, regimental 2i/c and CO about joining as a TAPO and it's all I've been thinking about recently

    Is it worth appealing, or am I fighting a lost cause?

    Any info appreciated!
  2. What could you possibly have to lose by appealing? If you don't, you'll wish you had.

    PS Don't go gettin' on no plane, foo.
  3. Why would he fail you for something you "might" get in 20 years. **** me that's a possibility for all of us. Sounds like a right nice bloke.

    Civvy or military doc?

    I agree with appealing though. Can't hurt.
  4. I'd appeal , you'd have been showing symptoms now if you were going to suffer from any long term condition.
  5. Appeal by all means, but accumulate as much supporting documentation beforehand as possible. I got pulled off a Subject 2 Cpl because of a surgical procedure performed (with great success) when I was 11! (long story) I ended up having to go back to the specialist who'd performed it, to get a written opinion in support of my case. No problem at all after that.

    HTF could a doctor fail you over something that he hadn't even assessed yet?
  6. Thanks for your comments guys.

    It was a civvy doctor. I had the hearing/sight and bmi checks with the nurse. I was called in and before he even started to assess me he told me he would fail me. I was devastated. Anyway, he performed the medical and all was fine (P2 on PULHEEMS for all) but had to put down I was P8 - fail; he said I could appeal but wouldn't get very far. Does anyone think it is likely thy might refer me to a specialist?

    I'm not giving up hope because my unit have invested a fair amount of time readying me as a Potential Officer (the numbers are short!!) and technically, I've not even joined yet. Do you think I'm in with a chance?

    I have a good civvy career, so it wouldn't necessarily be the end of the world for me. However, this is something I have wanted for a long time and don't want to give up because of one man's opinion (I appreciated he's a doctor, but not necessarily an orthopaedic specialist)

  7. I think he should have referred you to a specialist for a decision rather than fail you. There are many people who fail their medicals, then post on here asking about whether or not they should appeal, most haven't got a hope, but yours seems to be a strong case. Appeal asap.
  8. The Armed Forces should instigate a policy of shooting everyone who fails a medical...

    There would be no threads on ArRSe asking about appealing with such a policy in force.
  9. Thanks for your insightful, albeit completely useless contribution!
  10. Am I the only one wondering about this doctors ability? To say he's going to fail you before he even took a look warrants him being given the biggest **** off pill ever by your unit. I agree that he should have referred you to a specialist.

    What is it with these doctors who do medicals for the TA? Do they come from a special place? I had a fit to attend just over a year ago where we all travelled a significant distance only for the doctor to turn up 2 and a half hours late. She then kicked off saying my unit had too many guys for her to medical (10 of us) and only done 3 of us before ******* off. Mind you, this was after her stating to my PSAO that she "would" still get her money.
  11. The arthritis part of your doctors statement is utter dog toffee, however depending on the injuries you received and the treatment given you may fall foul of this

    taken from JSP 346 (which has changed since this edition, but the basics are still the same)
    if you had any screws/plates/rods etc then you are unfit for service.

    give me a day or two and I will check for any changes to the rules.
  12. Does this sound like a Doc?

    I can't remember the last time I went to a Doctor and they didn't just come out with some off the cuff comment without properly diagnosing...
  13. I just hope it goes in my favour.

    Will be in the blower in the morning to speak to the unit (and GP) try and get some clarification on the issue.

    Thanks again
  14. Good point.
  15. if your serious about getting in speak to your gp, get refered to othopedics for xray/mri of ht eaffected areas and a proper report of your condtion, it hte joint(s) are going to pop into arthritus in the future chances are there would already be signs of htis on the scans

    if you get the all clear then your appeal will be far more likely to suceed (also since an appeal will likely insist on the above and require access to the scans as well as the reports before they hear the case you would likely be saving time)

    anyhow hope you get an answer that makes sense to you.

    although the JSP ruling is there for a reason (like the fact that after 10+ years of the exigencies of service most people develop some form of joint problem from perfectly healthy bodies never mind those who have pre existing weaknesses casued by such events)


text:
Urgent-Appeal-for-Injured-Soldier-Abroad; Bullshit?

Discussion in 'The NAAFI Bar' started by Whey_Aye_Banzai, Aug 26, 2013.

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The heart of the site is the forum area, including:

  1. Ravers

    Ravers LE Reviewer Book Reviewer

    It's a pretty good idea actually.

    Instead of buying decent medical insurance before you go out whoring and drunkenly riding mopeds around Thailand, just rely on the fact that the general public will bail you out because you saved a cute dog last time you went on ops.

    What a cunt.
    • Like Like x 15
  2. But he's an ero, don't you see that capbadge?
  3. Like the bit where they suggest everyone in his unit pay 20 quid!
    • Like Like x 1
  4. I bet he's miffed that he downgraded his PAX insurance when he got back from tour.
  5. So - should us Arrser's start a campaign to raise some cash and sympathy for those 2 poor, poor nice ladies who have been banged up awaiting trial in that nasty South American country...... on alleged drugs charges..... lots of sympathy there.....!!
  6. They're mostly about food or women to be honest. If I haven't got a hard on, I'm probably planning my next sarnie.
    • Like Like x 9
    • Like Like x 1
  7. A search of the name Stephen Truscott on FB gets one obvious para type.
  8. He's a Para; not a fucking cat.
    • Like Like x 3
  9. Should have worn a hat then.
    • Like Like x 1
  10. ^_~
  11. I take it the Hols for Heroes requests receive as much critique?

    I suppose if you don't want to donate you just don't, my (albeit limited) understanding of the situation is he had insurance but due to alcohol in the system they will not cover anything (something in the small print apparently)
    He is a current serving member of 3 Para.
  12. Travel insurance?
    • Like Like x 1


text:
Womans nipple torn off after her back doors were kicked in.

Discussion in 'The NAAFI Bar' started by old_bloke, Dec 20, 2010.

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The heart of the site is the forum area, including:

  1. Ooops wrong "back doors", I thought it was a story about a particularly sadisdic squadie, who had taken her from behind and pulled it off in the moment of ecstacy ;-)
  2. great thread title, though


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United States Department of Agriculture

Agricultural Research Service

item Rotz, Clarence - Al
item Oenema, Jouke
item Van Keulen, Herman

Submitted to: American Society of Agricultural Engineers Meetings Papers
Publication Type: Proceedings
Publication Acceptance Date: 6/20/2003
Publication Date: 7/27/2003
Citation: Rotz, C.A., Oenema, J., Van Keulen, H. 2003. Whole-farm management to reduce nitrogen losses from dairy farms. American Society of Agricultural Engineers Meetings Papers. Paper No. 032154.

Interpretive Summary:

Technical Abstract: Whole farm simulation provides a tool for evaluating the impact of nutrient conservation technologies and strategies on dairy farms. A farm simulation model was verified by simulating the production and nutrient flows of the De Marke experimental dairy farm in the Netherlands. Through calibration of parameters related to the base temperature for corn growth and the fiber intake constraint, maintenance energy requirement, and protein requirement of animals, the Integrated Farm System model satisfactorily reproduced the long-term feed production and use and the nitrogen and phosphorus flows of the De Marke farm. Technologies used on De Marke to increase nutrient use efficiency and reduce N loss included a low emission floor system in the housing facility, a covered manure storage, deep injection of manure on arable land, and underseeding of grass in corn to take up and carry excess soil N through the fall and winter seasons. Simulation of these techniques on representative farms in southern Pennsylvania illustrated that N loss from farms, primarily in the form of ammonia emission, can be reduced by about 35%. The cost of this technology package exceeded the value of the N saved, causing a reduction in annual net return of $80/cow for a 100-cow farm and $74/cow for a 1000-cow farm.

Last Modified: 8/24/2016
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United States Department of Agriculture

Agricultural Research Service

Donna A Marshall-Shaw

                                                                  Dr. Donna Marshall

Professional Experience:

  • Catagory 3 Horticulturist at the USDA/ARS Thad Cochran Southern Horticultural Laboratory, Poplarville, MS, 2002 to Present
  • Biological Science Technician at the USDA/ARS Thad Cochran Southern Horticultural Laboratory 1995-2002.

Research Interests:

My research focuses mainly on the cultural/post-harvest aspects of small fruit production.

I work primarily with blueberries and muscadine grapes, but also other fruit crops.   I am interested in using cultural practices to optimize the fruit quality and nutraceutical value, as well as increase production.   Much work has been done on the nutraceutical value of blueberries and muscadine grapes, but there is much to be learned about increasing these aspects with cultural practices and post harvest treatments.

I have developed a laboratory method to predict rain related splitting in the field.  This method is currently used by blueberry geneticist to more thoroughly evaluate their selection stock for possible blueberry releases.   This method will help blueberry geneticist to more strenuously test the possible blueberry releases so that growers can be confident that their crop will not be lost or greatly decreased by rain related splitting

Currently we have research projects in the following topic areas:

••         Blueberry microstructural physiology relating to incidence of rain-related fruit splitting.  This research is done in cooperation with the University of Southern Mississippi.

••         Nutrient distribution with blueberry plants.

••         Optimization of fertigation rates and timing to increase fruit production, yield, fruit quality, nutraceutical value and shelf life.

••         Determination of resveratrol, ellagic acid and other chemical composition of muscadine grape cultivars. Once a baseline is established, cultural practices will be implemented to increase these metabolites.

I greatly enjoy working with the growers, potential growers, general public and especially children.I take every opportunity to educate the children about the need for proper nutrition. Whenever given the chance to speak to groups about the work that is done at the Thad Cochran Southern Horticultural Laboratory, I not only explain what we do, but I also educate them on the need, especially for children, for a healthy diet.

Last Modified: 8/12/2016
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ATSDR - Toxic Substances - Cyanide
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CAS ID #: 74-90-8, 143-33-9, 151-50-8, 592-01-8, 544-92-3

Affected Organ Systems: Dermal (Skin), Neurological (Nervous System), Reproductive (Producing Children)

Cancer Classification: None

Chemical Classification: Inorganic substances

Summary: Cyanide is usually found joined with other chemicals to form compounds. Examples of simple cyanide compounds are hydrogen cyanide, sodium cyanide and potassium cyanide. Certain bacteria, fungi, and algae can produce cyanide, and cyanide is found in a number of foods and plants. In certain plant foods, including almonds, millet sprouts, lima beans, soy, spinach, bamboo shoots, and cassava roots (which are a major source of food in tropical countries), cyanides occur naturally as part of sugars or other naturally-occurring compounds. However, the edible parts of plants that are eaten in the United States, including tapioca which is made from cassava roots, contain relatively low amounts of cyanide. Hydrogen cyanide is a colorless gas with a faint, bitter, almondlike odor. Sodium cyanide and potassium cyanide are both white solids with a bitter, almond-like odor in damp air. Cyanide and hydrogen cyanide are used in electroplating, metallurgy, organic chemicals production, photographic developing, manufacture of plastics, fumigation of ships, and some mining processes.

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Field tile is a tile found in the main "field" or area of the installation covering the wall, floor or counter. With ceramic tile, it generally refers to a solid color tile or tile that does not have a repeating pattern in the glaze. Field tile can be paired with decorative tile or other field tile to create a design. "Field tile" and "solid color tiles" are terms that are used interchangeably. Our Yucatan field tile provides the most flexibility of any line and a great choice for any of our decorative tiles because it comes in different formats with trim and molding.

Eartha Field
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browns definition

  • noun:
    • Plural type of brown.
  • verb:
    • Third-person single quick current indicative type of browns.

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het up definition

  • adjective:
    • Excited or agitated; heated up.
    • made warm or hot (`het' is a dialectal variant of `heated')
    • upset emotionally by fury or excitement

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noesis definition

  • noun:
    • The cognitive process; cognition.
    • The awareness side to duality of noesis and noema.
    • the mental result of perception and learning and thinking

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Well hello there boys,

I’m pretty darn pleased it’s Friday! I am going to push my tits up and head out on the raz with a few of my girlies. What better way to spend a Friday?!? Saturday and Sunday will probably be spent eating copious amount of junk food and watching Netlix in my underwear.

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Once you go under contract, we will provide you with an initial list of documentation needed to begin processing your loan. Quickly providing all requested documentation is essential to moving through the loan process without delays.  Also, your BankSouth Mortgage expert will discuss locking in your interest rate and encourage you to get a hazard insurance quote from your insurance agent.

Once we have a complete application, we will prepare a packet of disclosures for you to sign. Included in these disclosures is the Loan Estimate, which contains information on the cost of your loan.  It is very important to review this closely and talk to your loan officer about any questions you may have. Revisions to your loan later on in the process may push your closing date back.  It is extremely important for you to sign and return all disclosures within 24 hours from receipt.  Any delay with returning your disclosures may delay your closing.  Fees for your credit report and appraisal will be collected once you have received your disclosures and provided payment information.

Once you have received your Loan Estimate and disclosed your intent to proceed, BankSouth Mortgage will order your title work and appraisal. The appraisal process identifies the market value for the property. These generally take at least 10 days from the date requested to delivery. As soon as we receive the appraisal, we will provide you and your realtor* with a copy.
*We commit to providing timely and accurate information to your realtor, when prior authorization is received from you.

Loan Processing
Next, the loan moves to a loan processor, who reviews the file to ensure all the proper documentation is included. You may be contacted to provide any outstanding or additional items, and verifications of employment, etc. may be obtained. Once all the requested information is gathered, the loan will be passed on to underwriting so that a final determination can be made.  By this point in the process, please try to limit changes to your contract to ensure a smooth closing.

An underwriter will investigate the information in the file and make the final decision to approve the loan. Underwriting can take as little as one day and up to two weeks, depending on the type of transaction and market conditions. Because each loan is unique, it is common practice for the underwriter to request additional documentation to support what was submitted in the original file. We will notify you if additional items are needed, as well as when a final decision has been made.

Review Your Closing Disclosure

A critical component of the loan process is YOUR confirming receipt by signing the Closing Disclosure a minimum of 3 business days before closing.  This document further reviews the cost of your loan.  BankSouth Mortgage makes every effort to send you this document with ample time to review, however, due to the often expedited nature of the mortgage process, you may receive this document close to the 3rd day prior to closing deadline. As soon as you are able to review this document, it is imperative you sign and return it as quickly as possible. Signing only confirms your receipt of the CD. This integral step requires close communication with your lender to ensure an on-time closing.

Three days after you return your signed Closing Disclosure, you are able to close on your loan!  Depending on the amount due at closing, you may need to send a wire to the closing attorney. At the closing, you and the seller will be required to sign the final loan closing documents. After the closing documents are signed, BankSouth Mortgage will wire funds for the amount of the loan to the closing agent. The closing agent will disperse the funds. The deed that transfers the title from the seller to you will be sent to the county in which the home is located to be recorded. You will receive the original deed once it has been recorded along with your owner’s title insurance policy if you purchased insurance at closing. Now, move into your new home!


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The Lost - What Message Do You Send?

Discussion in '2005 Archive' started by TexasSky, May 5, 2005.

  1. TexasSky

    TexasSky Guest

    When I was young my sister was very, very ill. Even though both my parents were college educated and had good jobs, we had no money because all of our money went into keeping my sister alive. I wore homemade or hand-me-down dresses. I had been raised to love Christ. Taught that God loved everyone. Taught that God didn't care about your bank book.

    There was a large baptist church near us. It was located half-way between my house and my Dad's mother's house. On Sunday mornings I would go to church, and after church head to my grandmother's house where she would ask me what I learned in Sunday School.

    The children's choir was going to sing. I was so excited. I got there and one of the directors put me on the front row, another moved me to the back. The first moved me forward, the other moved me back. Finally, the one who moved me forward asked "why do you keep moving her to the back?" The second woman said, "Look at that dress! It looks like it came from Good Will." They then stood there, gossiping about my family. All manner of things, from the theory that my father was probably a drunkard to what a shame it was those kind of people were allowed in the church. (The truth is, my father was the grandson of a Minister, and had studied the ministry himself before WW-II sent him to war.)

    I slipped out of the choir loft and hid in the playground behind the church. I was angry, hurt, and bitter. I felt like I'd been lied to by my parents and grandparents. Christ didn't love you if you were poor.

    So the next Sunday I had made up my mind, I was NOT going to church. I knew my parents would never stand for that though. So I got dressed, and told them I was grown up and wanted to find my OWN way to class. I darted up the stairs, and right out the back stairs. Spent the Sunday School and Service swinging on the playground swing.

    Well, the Pastor's study was right next to that playground, and after a few Sundays of watching me, he came out and asked me if I wanted to come into the church and learn about Christ.

    I looked that dear man of God in the face and said, "No. I don't like liars, and they are all liars and they hate my Daddy, and they don't care and I don't care what Granny says, all that talk about Jesus loving everyone is just a lie."

    Dr. Prince got down on his knees in front of that swing with tears running down his face, and hugged me to him and said, "Oh honey, no. No, what your grandmother told you is the truth. Jesus does love everyone, especially your Daddy. It is just that sometimes people who talk about Jesus don't ACT like Jesus." He picked me up and held me and talked to me a long time about Jesus, and asked me about my father and my family.

    Then he coaxed me into the church and took me to a Sunday School class that was for children a bit older than me, telling the teacher that he wanted me in that class because I really needed in a class where people knew how much Jesus loves everyone.

    A few days later he sent people from the church to see if my parents or my sister needed anything. He sent people to my grandmother and grandfather to see if THEY needed anything. He would talk to me about the love of Christ, and he talked to the church at large about it.

    Within a month this dear man lead me to Christ.

    I have been working for approximately a year with a young man to lead him to Christ. He was born into a Jewish Family, but his mother converted to Christ and started bringing him to a Baptist Church when he was young. When I met him he was openly hostile toward Christianity, and when I heard his story, I understood why.

    He was mocked and taunted at his Baptist church. His grandparents were bad mouthed when people learned they were Jewish. His family had a tremendous financial need at the time, but the church, based on things said to his family, took the attitude of "you probably deserve to starve."
    There was hate everywhere.

    Eventually, his mother stopped trying to attend church.

    When I began to talk to this young man, I explained to him that Christ was not about hate. I showed him the words of Christ in the bible by reading to him from Matthew, Mark, Luke and John. I asked him to tell me honestly, if his issues were with Christ or if they were with Christians.

    Eventually he told me that only a fool would not agree with Christ, and that maybe not all Christians were bad either. He told me he was willing to attend church again, and asked me what denomination I was. I told him I am Baptist - and he stopped talking to me for a week.

    Eventually he came back to me and said, "I don't think I can do this. I don't think I can trust a Baptist. I've never known a Baptist that wasn't as hateful as a Nazi. They frighten me."

    I asked him if he thought we were hateful because we don't pretend sin is not sin. He said, "No, it isn't that. You don't understand. You can ~feel~ the hate they have if you aren't raised in their church."

    I'm not a witness for the Baptist Church, I'm a witness for Christ, so I focus on that. The man is now reading his bible again, asking questions about Christ, even considering a church home.

    My own son came to me a few years ago. We had been members of a Baptist church whose minister is very respected, and is a wonderful loving man of God. My son asked if we could change churches. It stunned me. I asked him why. He said, "The people at Sunday School are just so hateful, Mom. If someone doesn't know the books of the bible in order they make fun of them. If someone doesn't know a bible story, they make fun of them. I don't like to talk in class, so they claim I am not a Christian because I don't answer the questions unless they point to me." My daughter, over hearing this conversation, said, "Its true Mom. They were the same way when I was a member of the youth group. All they did was talk about other people, and make fun of people if they weren't raised on Broadman Hymn and Scoffield Press."

    There was a young woman in our city. Many, many Baptists worked a long time to help this young lady come to Christ. She did come to Christ, and she was baptised. She wasn't a wild girl. Didn't drink, didn't smoke, didn't curse, didn't wear provacative clothing. She listened to contemporary music. People approached her, telling her that listening to contemproary music was a sin, others started spreading gossip about her, they treated her hatefully. She dropped out of church.

    One young person I have witnessed to for a long time is hispanic. I thought they were Roman Catholic. They seemed to know a lot of the bible, but they wanted nothing to do with church and often talked about how hateful the people were, how cruel they were, especially to children of divorced parents. It turns out this young person was raised in a Baptist Church, and the hate which turned them away from the fellowship of Christians, was in a Baptist Church.

    Do you remember when YOU were unsaved?
    Do you remember when YOU were a new Christian?

    How would you have felt if people preaching love showed nothing but hate?

    We CAN show love without backing down on God's word. We don't have to pretend sin is right to show love. We don't have to show hate to say sin is wrong.

    Why do we rush to gossip and hate and try to use God's word to justify turning people from Christ?
  2. Gold Dragon

    Gold Dragon Active Member

    Feb 24, 2005
    Amen TexasSky. [IMG]
  3. chipsgirl

    chipsgirl New Member

    Dec 8, 2004
    Your story is incredible. Thank you SOOO much for sharing.
    Sadly, it's all so true. I felt shunned many times by the other girls in the church I grew up in because I wasn't as stylish as they were. They were my best friends when I was little, but by the time middle school came, they didn't give me the time of day. In high school, all of the christian groups of kids were very tight knit and wouldn't talk to me either becuase I didn't attend all their functions. I didn't because I did not want to be judged.
    All of that put a bad taste in my mouth regarding church. It wasn't fun. I stopped going and started living an un-christian life.
    It took me almost 15 years to really get back into church and now I love it and can't live without it. When I tell people I am involved in church I do get mixed reactions and am often told how someone doesn't like church becuase they don't like feeling like they are being judged by everyone there. I know what they mean. I can't say that doesn't happen cause it does. A lot.
    I hope your story and my 2 cents are a lesson to all.
  4. WallyGator

    WallyGator New Member

    Apr 21, 2003
    Thanks for sharing. Your story helped me remember my own "experiences" with Baptist churches when I was a boy right after WWII. We serve an awesome God!
  5. Joseph_Botwinick

    Joseph_Botwinick <img src=/532.jpg>Banned

    Nov 12, 2000
    I send the message of the Gospel to the lost.

    Joseph Botwinick
  6. Rachel

    Rachel New Member

    Oct 3, 2004
    All I can say is WOW!! That was very moving. So sad and so true! May God help us all show His love to those around us.

    Is this your story TexasSky?

    Rachel †
  7. TexasSky

    TexasSky Guest

    Yes. I still take time to thank God for using Dr. Prince that day.
  8. Bob Krajcik

    Bob Krajcik New Member

    Jun 26, 2000
    Thank you. . .


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Manje - Reconciliation. - Tabora, Tanzania

Joseph Kamonye Manje

Tabora, Tanzania

I love working with people,sharing knowledge and experience. Like adopting the Strategic planning experince and angle to acieving objectives and moving issues and performance to the next level. My academic and practical experience as a trainer and peace bulding practioner gives me comfort in the zone

Work History

Leadership and Management Facilitator

Volunteer Services Overseas

From August 2013

I cover three regions of Tanzania,namely Kigoma, Tabora and Shinyanga.

Educational quality improvement programme-Tanzania

My role in the project is to work with the leadership and management teams in Teachers colleges and work through issues of strategic planning,performance appraisals and dealing with conflict management .

Qualifications & Certifications

Peace Studies and International Relations

Catholic University of Eastern Africa

Bachelor of Arts ( Education) Upper Second

Dar es Salaam University

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