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Family Photo Day

I miss blogging! So much so that I'm doing everything the hard way just to write this post. This post was written on my phone through the Blogger app - i'll fix it when I'm near a computer! Sadly, I think it will be this way for a while! Anyway!


Today we had some family photos taken by Emma of Haven Lifestyle Photography. And may I say how lovely & warm she was! The girls took to her right away(& by the end of it they asked her to have dinner with us & Lily told her she wasn't going to let her go home!) & she made us all feel really relaxed.


A friend of mine said I was brave having photos done this far into my pregnancy but I really wanted to have some nice photos with this giant belly instead of my usual self portraits on Instagram or my weekly belly shot taken by Piper or the Man of the House. I'm sure there will be some nice ones in there & we were very lucky the weatherman got it wrong today - a predicted day of rain turned into a lovely sunny(but cold!) day.


My little posers enjoyed having their photos taken & got quite over excited I think! I'm looking forward to seeing the shots Emma took of us.

Source: http://piperandlily.blogspot.com/2012/08/family-photo-day.html

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UN General Assembly denounces Syrian crackdown

Syria's UN Ambassador Bashar Ja'afari, right, listens to speakers during a meeting of the United Nations General Assembly at the United Nations Friday, Aug. 3, 2012. With the U.N. Security Council deadlocked over the Syrian crisis, the General Assembly prepared Friday to denounce Syria for unleashing military action against it's own people, and demand that the Assad regime keep its chemical and biological weapons warehoused and under strict control. (AP Photo/Kathy Willens)

Syria's UN Ambassador Bashar Ja'afari, right, listens to speakers during a meeting of the United Nations General Assembly at the United Nations Friday, Aug. 3, 2012. With the U.N. Security Council deadlocked over the Syrian crisis, the General Assembly prepared Friday to denounce Syria for unleashing military action against it's own people, and demand that the Assad regime keep its chemical and biological weapons warehoused and under strict control. (AP Photo/Kathy Willens)

United Nations Secretary general Ban Ki-Moon, left, speaks during a meeting of the United Nations General Assembly at the United Nations, Friday, Aug. 3, 2012. With the U.N. Security Council deadlocked over the Syrian crisis, the General Assembly prepared Friday to denounce Syria for unleashing military action against it's own people, and demand that the Assad regime keep its chemical and biological weapons warehoused and under strict control. (AP Photo/Kathy Willens)

A hand is shown on a video screen, pushing a button to vote on a Saudi Arabian-sponsored draft resolution against Syria at the United Nations General Assembly at the United Nations, Friday, Aug. 3, 2012. The resolution denounced Syria for unleashing military action against it's own people, and demand that the Assad regime keep its chemical and biological weapons warehoused and under strict control but stopped short of calling for Assad to step down. (AP Photo/Kathy Willens)

Syria's U.N. Ambassador Bashar Ja'afari, left, speaks to Russia's U.N. Ambassador Vitaly Churkin, center, and China's deputy U.N. Ambassador Wang Min before the United Nations General Assembly passed a draft resolution condemning Syria at the United Nations on Friday, Aug. 3, 2012. With the U.N. Security Council deadlocked over the Syrian crisis, the General Assembly denounced Syria for unleashing military action against it's own people, and demand that the Assad regime keep its chemical and biological weapons warehoused and under strict control, but stopped short of demanding that Assad step down. (AP Photo/Kathy Willens)

The results of a sponsored draft resolution by Saudi Arabia against Syria are shown during a meeting of the United Nations General Assembly at the United Nations, Friday, Aug. 3, 2012. With the U.N. Security Council deadlocked over the Syrian crisis, the General Assembly prepared Friday to denounce Syria for unleashing military action against it's own people, and demand that the Assad regime keep its chemical and biological weapons warehoused and under strict control. (AP Photo/Kathy Willens)

UNITED NATIONS (AP) ? The U.N. General Assembly overwhelmingly denounced Syria's crackdown on dissent Friday in a symbolic effort meant to push the deadlocked Security Council and the world at large into action on stopping the country's civil war.

Before the vote, Secretary-General Ban Ki-Moon reminded the Assembly of the fresh violence in the city of Aleppo and drew comparisons between the failure to act in Syria with the international community's failure to protect people from past genocide in Srebrenica, Bosnia, and Rwanda.

"The conflict in Syria is a test of everything this organization stands for," Ban said. "I do not want today's United Nations to fail that test."

The vote came after the more powerful Security Council was stopped by a series of Russian and Chinese vetoes on resolutions that would have opened the door to sanctions on Syria.

The General Assembly vote was 133 in support of the resolution and 12 against, with 31 abstaining. Syria's ambassador angrily called the vote "a piece of theater."

Though General Assembly resolutions are unenforceable, a strong vote can carry moral weight.

Even so, the resolution's Arab sponsors this week weakened two key provisions ? a demand that President Bashar Assad resign and a call for other nations to place sanctions on Syria.

Russia and China had objected to those provisions. Both voted "no" Friday, along with Syria, Cuba, Iran, North Korea, Belarus, Bolivia, Nicaragua, Myanmar, Zimbabwe and Venezuela.

The revised resolution takes a swipe at Russia and China by "deploring the Security Council failure" to act.

Frustration over the lack of action was clear. Former U.N. chief Kofi Annan resigned Thursday as the joint U.N.-Arab League envoy to Syria after his peace proposals failed.

Friday's session rang with accusations over why Annan's mission failed.

The Syria uprising has left 19,000 dead since it erupted in March 2011. The U.N. estimates that 1.5 million people have been forced to abandon their homes but remain in the country.

"The acts of brutality that are being reported may constitute crimes against humanity or war crimes," Ban said of the Aleppo fighting. "Such acts must be investigated and the perpetrators held to account."

The resolution backs Annan's "demand that the first step in the cessation of violence has to be made by the Syrian authorities."

It also demands the lockdown of the regime's chemical and biological weapons. Israel's Ambassador Ron Prosor said, "We should not pretend that a regime that cuts the throats of children today will not be prepared to gas them tomorrow. Assad must know that he will be held accountable for using these weapons."

The resolution denounces attacks on children as young as 9 by the Syrian government, military intelligence services and militias. It condemns the increasing Syrian military reliance on heavy weapons, including tanks and helicopters, and "failure to withdraw its troops and heavy weapons to their barracks" in line with Annan's proposals.

Syrian Ambassador Bashar Ja'afari called the resolution's main sponsors, Saudi Arabia, Qatar and Bahrain, "despotic oligarchies."

"The draft resolution will have no impact whatsoever. It is a piece of theater," he told reporters after the vote. And Iran's deputy ambassador, Eshagh Alehabib, called the resolution "one-sided."

British Ambassador Mark Lyall Grant said the resolution was not meant to be balanced. The intent, he said, was to issue an unequivocal condemnation of the Syrian regime.

U.S. Ambassador Susan Rice said afterward that a reference in the resolution did amount to a demand for Assad leaving power: "Importantly, the resolution also welcomes the Arab League's July 22nd decision, which calls for Assad to step down and for a transitional government to be formed."

The vote came a day after U.N. peacekeeping chief Herve Ladsous told the Security Council that U.N. military observers in Aleppo were seeing "a considerable buildup of military means, where we have reason to believe that the main battle is about to start." The rebels have commandeered tanks, and are bringing them into combat as Syrian warplanes strike back.

The observer mission is in the midst of a 30-day extension of its mandate, which expires on Aug. 19. Extending it would require passage of another resolution in the Security Council.

The mission has been largely kept from its work by the violence, and it is already being cut back, from its original authorized strength of 300 to currently 115 monitors and 80 civilians.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-08-03-UN-Syria/id-017ccdf8d9244e2ba349b2eb39841c1c

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The Entrepreneur's Approach To Stock Investing | ShareInvestor ...

Foreword from ShareInvestor

This article ?The Entrepreneur?s Approach To Stock Investing? by Chiang Kian Seng was first published in the Oct 2010 ? Nov 2010 Issue of INVEST magazine and is reproduced in this blog in its entirety. In the recent week, the stock market has risen on hopes of a fresh round of stimulus by the US Federal Reserve and the European Central Bank (ECB) to stimulate flagging economies, only to be left disappointed following the conclusion of the policy meetings by the two central banks which see no immediate new measures adopted to revive the economies. In this current climate where it seems to suggest the market is buying on anticipation and selling on news, the author shares with you his approach to stock investing notwithstanding rising or falling markets.

Recently, I met up with some of my ex-colleagues and invariably the topic of our conversation would finally come around to something like ?So, what stocks can I buy now??. Recalling back to the bull-run days of 2006 to 2007, it was quite easy then, to simply do a little technical analysis and pick any stock that was showing some signs of momentum build up and you wouldn?t be too far off from making a handsome profit at the end of the day.

Those days are now somewhat a blurred and distant memory, only good as a conversation topic amongst old friends when we meet up. Throughout this whole year, the Singapore Stock Market has been stuck in a range bound mode, with relative low volumes and somewhat unpredictable in nature. Buying stocks based on momentum breakouts and other trending market strategies would have caused some heart ache for quite a few traders.

This year I have taken the entrepreneur?s approach to accumulating stocks. The definition of entrepreneur in most dictionaries goes something like ?A person who organizes and manages a business undertaking, assuming risks for the sake of profit?. Or simply put, an entrepreneur is a business owner. Owning stock of a company makes you a business owner! Taking this ?business owner? approach to stock investing, I use three criteria to select the stock that I want to buy.

I Know The Business And / Or I?m Interested In The Product

When looking for a stock to invest in, it is best to look for a business or industry that you understand easily or have an interest in. This gives you an advantage in understanding for example, how management decisions will affect the business, what kinds of improvements to goods or services will be appreciated by their customers and will improve sales, the economic climate of the industry that the business is in and thus, will be able to judge when bad times are around the corner.

Taking a Real Estate Investment Trust (REIT) that runs shopping malls as an example, you could ask the following questions when you next visit them.

• Are they crowded?
• What is the tenant mix like?
• From what age group do the people who visit these malls fall into and what kinds of amenities, like restaurants, cafes, cinemas, amusement centers, etc, are available to cater to this age group?
• What extra services does the mall provide, for example ? do they provide a shuttle bus service to bring people to the mall from outlying areas?
• You could even visit the toilets there and judge if the management is putting in effort to keep the customers happy.

All the answers to these questions can be easily understood and will make you a better judge as to whether this business is being run properly or not. After all, the ultimate goal of a shopping mall business is to attract as many people as possible to visit and shop there. At the very least, an interest in the business or product will make it less of a chore when you are doing your due diligence research on the company.

The Company Is A Leader In The Industry And Has Strong Investor Support

The second important factor to consider when looking for a stock to buy is that the company must preferably be a leader in its industry or business sector. Being a leader means that the company would have a strong brand name. Their products and services are first choice in the minds of the consumers of the products or services. The company would also have a large, if not overwhelming market share and thus have superior sales numbers over its competitors. They have the financial muscle to invest capital into research and development of new products and services. They tend to take a more innovative approach towards product design and marketing. And, last but not least, they will be better poised to expand their businesses into other countries around our region, if not around the world. Going back to the REIT example mentioned above, some questions that you could ask are:

• Are the shopping malls in the REIT well-known names? Is the name of the REIT, itself, well-known?
• Does the mall management frequently upgrade their facilities, like building a new wing, re-designing frontages of their shops, etc?
• How many shopping malls does the REIT manage?
• Do they manage other malls outside of Singapore or do they have any plans to run other malls in other countries?
• Are they part of the portfolios of some of the well-known funds? Are they commonly covered by brokerages and analysts?
• Are they one of the component stocks in the Straits Times Index (STI) or a.k.a a ?Blue Chip? stock?

All these factors will attract support from financial institutions, in terms of recommendations to their clients and thus, enjoy strong investor support. This leads to the stock of the company being among the first to rise when the economy starts to improve. Furthermore, they tend to hold up longer when crisis again grips our economy in the future.

Wait For A Discount Before Buying

So, what is the current state of affairs of our stock market? Will it go any higher? Are stocks now overpriced? Will there be a double-dip? These are some of the more common questions I get from our students and friends. Honestly, I cannot give a 100%, accurate answer as to where the stock market is headed, no one can. I can only tell you what the current situation is. As at time of writing, the STI is hovering around the 3000 mark, which is about 60% up to where it was at its highest level of 3906 points in October of 2007. Some sectors and industries have recovered quickly, while others are still lagging behind. So, it is still possible to find some good stocks, which are now still selling at good valuations and are providing good yields, in terms of dividends or Distributions Per Unit (DPU). Our job is to find them.

Having short-listed some stocks that we are interested in buying based on the criteria mentioned above, what do we do next? We will now wait for a discount before we decide to buy them. The stock market from time to time, will discount some of these companies with strong leadership and great products or services that are selling like hot cakes. But, how is this possible, you may ask. Well, the answer is that not everyone who has bought the stock of the company is interested in its long term value and they could be selling for other reasons. And this gives us the opportunity to buy at a lower, discounted price.

In the meantime, while waiting for the discount, you could continue to monitor the performance of the companies by simply, reading the newspapers, reading analyst reports, use Google News to search for news reports about the company or setup Google Alerts for news of the companies. As you do all these things, you will get a better feel of the state of affairs of not only the company but also the industry or business sector that it is in.

Finally, when you do get a discount, it would be prudent not to use up all the capital set aside for this stock all in one go. It would be wiser to invest in stages. As we are at a stage in our stock market where the direction is not very predictable, it is quite likely that there will be dips along the way, which will give us more opportunities to get in at even lower prices, thus lowering our overall investment cost. The selection criteria mentioned above will arm you with the confidence to buy into these companies when their stock prices are getting lower. It will allow you to invest without fear, knowing that when the economy does eventually recover, the value of these companies will again shine through in terms of higher and higher stock prices.

Source: http://blog.shareinvestor.com/the-entrepreneurs-approach-to-stock-investing/?utm_source=rss&utm_medium=rss&utm_campaign=the-entrepreneurs-approach-to-stock-investing

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Cuba vs. Bacardi, Rum at Stake ? Miami International Business ...

Posted on August 2, 2012 by The Victoria Law Group

This is serious business.? This is rum we?re talking about, and Bacardi Libre doesn?t have the same ring as Cuba Libre.? Litigation between Bacardi and Cuba over the use of the Habana Club trademark in the U.S. market has ended, but Cuba still is trying to hold onto the name.? They don?t have much else.

Read Mimi Whitefield?s Miami Herald article here:

http://hrld.us/T3lA28

-

Brought to you by The Victoria Law Group.

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Filed under: Cuba

Source: http://miamiinternationalbusinessattorneys.com/2012/08/02/cuba-vs-bacardi-rum-at-stake/

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Top 5 Travel Destinations with Hummba Audio Guides ~ Location Blog

US-based travel magazine Travel + Leisure recently released their annual World?s Best Awards, and some of our favourite travel destinations made the cut. In fact, we?re very proud to announce that we have audio and text mobile travel guides to nine of the Top 10 cities, and they?re all available for download right now in the Hummba guide store.

Bangkok:
Bangkok came in first on the list, narrowly defending its title from last year. Krung Thep, as it?s known to locals, is a popular tourist destination for travellers looking to experience Southeast Asia at a bargain. It?s not unheard of to stay in a 5-star hotel in Bangkok for the same price as a 2- or 3-star hotel in New York! There are also more than 400 temples in the city, and our Bangkok City Guide helps you navigate them with ease.

Istanbul:
Istanbul climbed up two spaces from last year to take the number three position on the Travel + Leisure list. The Turkish capital is one of the fastest growing cities in the world and holds the unique title of being the only city in the world that is found on two continents (Europe and Asia). Istanbul?s nightlife is booming and restaurants, bars and clubs are popping up all over the place. Our Istanbul City Guide has detailed information about 320 points of interest in the city, so you?ll never be left without something to do.

Cape Town:
The Mother City will always hold a special place in our hearts. It?s where Hummba?s parent company, Tourism Radio, was founded, so we might be a little biased when we say it should have featured a little bit higher in the list. At number four however, Cape Town proves that it still has what it takes to compete with the World?s Best ? thanks in part to the stunning Table Mountain, which looms over the city and offers breathtaking views from on high. There?s no shortage of things to see and do in the Mother City, and our Cape Town City Guide will point you in the right direction from the moment you arrive.

New York:
New York came in at a disappointing number seven; falling three spots since last year. Don?t let that put you off however. We firmly believe that the Big Apple remains one of those places that every traveller simply has to visit at least once in their lives ? add it to the bucket list if you haven?t already. Our New York City Guide has already proved popular with mobile travellers, and it?s certainly one of our most impressive. It features more than three hours of audio as well as hundreds of restaurants, shops, tourist attractions and accommodation facilities. If you?re on your way to New York, do yourself a favour and download the audio travel guide from the Hummba guide store.

Paris:
Coming in at number 10, is the ever-consistent Paris. The City of Lights is often called the most romantic city in the world, and we can?t help but agree. There?s so much more to do in the French Capital than just the Eiffel Tower and the Louvre. Download our Paris City Guide and you?ll discover some of the many hidden treasures of this beautiful place.

That being said, we better get back to work on our Kyoto City Guide. Happy travels!

Link to full article

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Source: http://location.blognhanh.com/2012/08/top-5-travel-destinations-with-hummba.html

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Source: http://workathomeandmakemoney.org/making-extra-money-summer/

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Benefits Of Under Floor Heating- Electrician Silverwater

1- Cost: Though the preliminary cost can be more but in the long run this strategy attests as a successful and decreases down your electric costs each month to smallest as when in evaluation to other brochures and cards.

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5- Solar energy: These days scientists have designed ways to amalgamate the solar heaters with this system and thus decreasing down the cost of your frequent costs.

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Water Underfloor warming is another strategy to change the frequent methods of warming your homes digitally. It uses many sources like solar, Gas and energy to heated up your homes and lead to a comfortable living during the freezing months season months for your family. Regular water Underfloor warming is a very better alternative of warming your home thus developing a secured and soothing cover for your family and thus defending you from the questionable winter weather months outside. This strategy is Safe, provides a lot of wide range, is an average and healthy way of living and costs you very less on financial commitment.

If you are having electrical trouble you need to hire a professional electrician to deal with the issue. It is strongly advised that you don't perform any electrical work on your own. If you live in Sydney then you need to look for Electricians Sydney.Finding Electrical Contractors Sydney is easy if you know where to look.

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