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Home Latest News Bluestone Motor Finance

Bluestone Motor Finance

Donal Murphy 1

Bluestone Asset Finance is paving the way for greater success in the Irish motor finance sector. Bluestone offer a solution to consumers that have had difficulty in the past in securing a motor loan due to a lack of credit history, being self-employed, having non-standard income structures or historic credit issues. With the aim of driving the Irish economy forward, Bluestone is launching their latest motor finance initiative – “The Bluestone Green Light Feeling”.

Donal Murphy, Bluestone Ireland’s Managing Director says, “We are confident this will drive further growth in our specialist lending business and contribute to the continued development of the Irish motor sector in conjunction with our motor dealer partners”

Motor customers in Ireland have typically had to rely on traditional pillar banks for motor finance. Now Bluestone gives Irish borrowers, who have not been serviced by the banks, an alternative solution through a partner network of over 400 motor dealers nationwide. When the banks say no, now there’s somewhere to go. Since starting in the motor sector, in late 2014, Bluestone are seen as the ‘Preferred Option’ for customers who for a range of reasons have not been accepted by the banks, but can demonstrate a capacity to service their loan. Bluestone’s speed of service means Borrowers prefer dealing with Bluestone than processing their loan through the banks. The advantage for borrowers and motor dealers is that Bluestone underwriters deal directly with the customers on a personalised assessment and can give the affirmative green light within one-hour.

The ‘Bluestone Green Light Feeling’ campaign is a nationwide initiative aimed at educating customers about how they get their finance motoring through their local dealer. The campaign kicks off with “The Green Light Motor Week” which will be launched in conjunction with their 400 strong dealer network and promoted via a national radio campaign, online advertising campaign on Done Deal and a social media campaign. Customers will be driven to the Bluestone website www.bluestoneam.ie where they can find their local Bluestone Dealer.


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Home Motorsport News Škoda Fabia Race-Spec R5

Škoda Fabia Race-Spec R5

What a looker! Škoda recently released images of the Fabia R5 Rally Car which has been homologated by FIA. This new machine is obviously based on the third-generation Fabia and it replaces the Fabia Super 2000. Irish rally fans will remember the Fabia S2000 from the 2014 ERC Circuit of Ireland Rally when Fabia S2000s took both second position and the overall event win driven by Fin, Esapekka Lappi. Speaking about the new Fabia R5 One of Ireland’s top Rally drivers Robert Barrable said, “ŠKODA have built some excellent rally cars over the years the Fabia S2000 brought me great success. I’m looking forward to testing the new Fabia R5 later this year and putting a programme together for next year.”
Skoda 2
Unlike the road-going Fabia which adopts a front-wheel drive layout, the new Fabia R5 comes with a four-wheel drive setup and is powered by a four-cylinder, 1.6-liter turbocharged high octane petrol engine developing a 265bhp sent to both axles through a five-speed sequential gearbox. As per FIA regulations, the rally car has a minimum weight of 1,230 kg and Skoda’s engineers have fitted it with McPherson struts. Prior to receiving homologation, ŠKODA conducted approximately 10,000 km of testing across a wide range of roads from Greece to the Arctic Region of Finland ensuring all weather conditions were challenged. The R5 proved immense and its now ready for competition.

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Home Latest News Suzuki Remains A Reliable Choice!

Suzuki Remains A Reliable Choice!

This years Warranty Direct survey which has been published by a number of magazines has seen Suzuki’s renowned reputation for reliability reinforced with another strong result. The lower the number, the more reliable the brand, and Suzuki’s score of just 48 points was considerably lower than the average score across all manufacturers measured which was 149. This left Suzuki in second place overall across the 37 manufacturers this year and joined seven other Japanese manufacturers in the top 10. The Reliability Index takes into account all factors of a repair including the cost of parts, frequency of failures as well as time off the road. Suzuki cars measured in the survey had an average age of 5.35 years, kilometres of 63,085 (39,200 miles) with time off the road of just 1.93 hours in the event of a warranty claim.

0 Suzuki

There were no nasty surprises in store either as the average repair cost across the Suzuki range was €307 which was the lowest of all manufacturers. In the Supermini / City car segment, Suzuki’s low cost of ownership was highlighted even further with the Alto model at an average of 5.15 years old ranking as one of the cheapest cars to repair at just €142. Alto achieved a Reliability Index score of just 14 points with an average time off the road of only 1.2 hours. Suzuki’s reputation of low cost of ownership continues with extended service intervals of 20,000kms on the recently launched Celerio, Vitara and S-Cross models. All Suzuki models are covered by a three-year/100,000-Kilometer new vehicle warranty, three year Suzuki Assistance, providing 24-hour Ireland and European roadside assistance, recovery and associated services; and by a 12-year perforation warranty. It’s not difficult to see you are in safe hands purchasing a Suzuki.


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Posted on Nov 19th 2014 at 06:00:00 AM by (Fleach)
Posted under Review, The Vanishing of Ethan Carter, PC, Steam, GOG, The Astronauts, Indie, Atmosphere, Creepy

There's something eerily wrong in Red Creek Valley and it's your job to piece things together in this atmospheric "weird fiction" detective game.

The Vanishing of Ethan Carter, released in September 2014 for the PC (a PS4 release is slated for 2015) by The Astronauts is at its core a detective story, but at the same time, it's about a boy with a wild imagination whose family has turned against him. You play as Paul Prospero who is following up on an urgent letter he received from Ethan. The contents of this letter are unknown save for a cryptic image which is Paul's call to action. Upon arrival, Red Creek Valley seems like an ordinary rural Wisconsin town, but, as Ethan warns, you should not be fooled by the tranquility because scratching below the surface are dark and terrible things.

While not overtly scary, The Vanishing of Ethan Carter evokes a sense of unease in its players. The game is heavily influenced by the works of "weird fiction" authors including Stephen King and H.P. Lovecraft. And like these writers' works, this game offers just enough to create an uncomfortable tension. King claims that there are three kinds of terror: "the gross-out - the severed head tumbling down a flight of stairs, the horror - the unnatural, spiders the size of bears, etc., and the worse of the three, terror, which King compares to returning home only to find an exact substitute of your house and everything in it. "It's when the lights go out and you feel something behind you, you hear it, you feel its breath against your ear, but when you turn around, there's nothing there." This is what The Vanishing of Ethan Carter does to the player, and it does this superbly. The beautiful, yet uncanny, setting is enough to put the player on edge because everything points to something that just isn't right.

Just like a single bright light emanating from from a dark house on a foggy night. Source: The Exorcist film poster

To create this level of atmosphere, The Astronauts use the diegetic method of storytelling and the 4-Layers narrative design approach, which involves characters actively retelling the story and consequently requiring the player to connect the dots and create an interactive narrative. Not surprisingly, you will be connecting a lot of dots in this game. To aid players in pieceing together the story of The Vanishing of Ethan Carter, Paul Prospero has the ability to see into the final memories of the recently deceased. He must use this gift to solve the murders involving the Carter family and find the whereabouts of Ethan. Your job as the player is find clues and recreate the crime scene and chronology of the events leading up to a victim's death. To do this, you scour an area for evidence and watch Prospero's thoughts swirl around in his head; this leads the player to key items or locations. Once these clues are found and returned, Prospero can learn about the disintegrating Carter family and uncover the location of the next set of clues.

The Vanishing of Ethan Carter is a love letter to "weird fiction" and the use of the uncanny and the unknown is very engaging. The team behind the game created an environment that you can get lost in and forget about the real world. Video games are perhaps the greatest medium for this style of fiction because they have the ability to combine visuals, sound, and interactivity to build something that seems so much like the every day things that people understand, while keeping still keeping these things just outside the realm of possibility. You know that an abandoned house poses no threat, but when all of the design elements come together just right, you sense that there is something sinister within this derelict home.

Source: In-game screen shot

The Vanishing of Ethan Carter proves that a story is not just plot. The fullest experience of the game comes from the series of events, character interactions, and the ability to step into the world presented to the player. Usually a player needs only to be aware of the game world itself, but are often distracted by objectives or heads-up displays. In a game like L.A. Noire, this engagement comes from the people present at a crime scene, the cars that slow down to look at what's going on. In Shadow of the Colossus, it is the act of finding the Colossi and feeling their immensity while standing in their shadows. In The Vanishing of Ethan Carter, engagement is facilitated by the artifacts found within the game; these items add depth to Ethan's character and also add to the dynamic of the Carter family. This game isn't really played so much as it is experienced. You will never be told what to do or where to go next; in fact, the opening line of the game is, "This is a narrative experience that does not hold your hand." This warning works on two levels: it deepens player engagement by calling them to pay close attention to all the details, and supports the premise that you play as a detective who must rely on his clues and intellect in order to progress.

The Vanishing of Ethan Carter presents players with a world full of depth and mystery. What you put into this game is what you will take away from it. Nothing is concrete and there aren't black and white/right or wrong answers. The experience is completely unique for each player. That is not to say this is an ambiguous game; it is only vague because the developers want the player to piece together their own story for the Carter family and walk away with something that feels personal. Within five hours of play time you will feel wonder, intrigue, discovery, and closure. The Vanishing of Ethan Carter is as visually beautiful as it is mentally satisfying. It is an experience that will be remembered long after the credits roll.

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This sounds intriguing. I don't do a lot of PC gaming, but I may have to make an exception and snag this.
Sounds like a really interesting game. I'm a big fan of mysteries like these that seem to keep you drawn in until the end.
sounds cool man. Good write-up.
Glad you guys enjoyed the article. This game is fantastic in so many ways and I can't recommend it enough. Whether you're just going to meander and soak in the great graphics or try to figure out the plot people will get a lot out of their time with the game.
I originally didn't pay very much attention to this game.  I think I assumed it was one of those mystery item hunt games that I see at Target all the time.  I think I'd like to still see it in action (maybe with the first video of a good Let's Player) but I am certainly interested now.  Thanks, Fleach.
thank your for the nice suggestion- didn't have this thing on my radar, but now i will definetly give it a try.
Thanks for posting this man!  Never heard of it, but I was intrigued enough to sign up for Steam and pick it up when it went on sale.  While it's not something I'd recommend paying full price for (it took 4 hours to complete the game with all achievements, although I did look up the sniper rifle), it was worth the $13 or so I paid for it.  Recommended for fans of the genre and those that are looking for a short-yet-fulfilling experience.

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Zambezi – Africa River Room

  • Zambezi is a lovely King double or twin bedroom

Congo | Limpopo | Okavango | Zambezi

The Zambezi is a characterful King double or twin bedroom located on the first floor facing the courtyard and overlooking the pool and street.

It is decorated and furnished by local Marrakchi artisans in tadelakt with beautiful tatawi ceiling and polished brass fittings.

Facilities include complimentary mineral water, tea & coffee, a mini bar (non-alcoholic), satellite TV, electronic safe, iPhone dock/alarm, air-conditioning and radiator.

The bathroom is adorned with Fez zilege-tiled rain-shower, Merzouga fossil basin, bathrobes, a hair dryer, shaving mirror, ‘Le Sens de Marrakech’ hand soap, shower gel and shampoo.

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Maison Africa (Marrakech Medina)

Maison Africa (Marrakech Medina). Holiday home rental riad with plunge pool

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Kasbah Africa (Atlas Mountains). Stunning nature lodge in Azzaden Valley


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Posts tagged as “Governor Bill Walker”

Obama in Alaska

President Barack Obama’s visit to Alaska was inspiring. I eagerly watched everything I could see online: The official restoration of the name Denali, his powerful words on the climate, his visits to Resurrection Bay, and his interaction with Alaska’s Native communities. I especially loved the Yup’ik dancing (and the president showing his moves).

But there is one story that’s missing from the national accounts of the president’s visit: the role of tribes in determining Alaska’s future. The president himself referred to this debate in several ways. The first mention was in his statement to tribal leaders when he said: “My administration also is taking new action to make sure that Alaska Natives have direct input into the management of Chinook salmon stocks, something that has been of great concern here.” Then a few sentences later he promised to follow up on “everything from voting rights to land trusts.”

Those last two words are the story that needs to be told. The president’s language was a bit off. It’s not land trusts, but land into trust. This issue goes far beyond the status of land; it’s about the nature of sovereignty in Alaska. It’s complicated but basically there are two competing narratives that need to be resolved into a single story.

One version says that tribes ceased to exist when the Alaska Native Claims Settlement Act (or ANCSA) became law in 1971. This story says that Alaska is the primary vehicle for all government in Alaska. The state sets the rules for education, law enforcement, land use, etc., etc.

But there is another reading of this history. This narrative says ANCSA was primarily a land settlement act. It did create a different structure, such as establishing Native corporations, but it did not end the right of Native people to determine their own future.

This second story arc began shortly after ANCSA. As a Native American Rights Fund attorney Robert Anderson said in 1973: “….our work in Alaska is really on the cutting edge of Indian Law. We are establishing for essentially two hundred tribes, that they are recognized on the same level as those in the lower forty-eight (states) and that they have all the powers and authority.”

That story has multiple chapters that include the recognition of those tribes by the federal government, the push for Native hunting and fishing rights as well as the management of fish and game, law enforcement, and the most recent episode, a debate about land into trust. It’s this last issue that’s hot right now and worth a state and national conversation.

A few days before the president’s visit, Alaska’s new governor pursued an appeal that would prevent the Interior Department from taking land into trust, thus creating “Indian Country.”

The case involves Native villages Akiachak, Chalkyitsik, Chilkoot Indian Association, the tribe in Haines, and Tuluksak. These tribes seek to govern on issues ranging from law enforcement to zoning. The same powers held by other tribes. Indeed, the recognition (and expansion) of tribal authority was one of the main recommendations by the federal Indian Law and Order Commission, a bipartisan presidential and congressional task force.

But that’s unacceptable to Alaska. Simply put: The State wants to block tribal sovereignty.

As the state itself said:

“When the federal government takes land into trust, it holds it for the benefit of an individual Alaska Native or a Tribe. It is the federal government’s position that this land becomes Indian country—a legal status that can be likened to an Indian reservation. Currently, Alaska has only one reservation—the Metlakatla Indian Community’s reservation on the Annette Islands Reserve. Indian reservations are generally exempt from state jurisdiction, including taxation, except when Congress specifically authorizes such jurisdiction.

“If lands are put into trust in Alaska, the exact scope of federal, state, and tribal powers on trust lands would be played out as specific factual scenarios develop. Alaska would retain some civil and criminal powers over trust lands because Alaska is a P.L. 280 state. But generally, the federal government has the power to manage tribal and individual land that it holds in trust. The federal government will potentially have powers to approve and cancel leases of tribal trust land; as well as to govern the leasing of mineral resources (including oil and gas), regulate certain fishing activities, manage timber resources, issue grazing permits, and deal with certain water rights and irrigation matters on trust land. And Tribes have jurisdiction over civil and regulatory matters occurring on trust land. Gaming can occur on certain trust land in accordance with the Indian Gaming Regulatory Act.”

This is twisted. The state fears tribal authority. Then, this is not a new position. The one constant theme from the past four decades is that Alaska favors litigation over negotiation. And, when Alaska Natives win, the state appeals until every avenue is exhausted. This is a tired approach.

Indeed, since the Interior Department announced rules in December 2014 the state hasn’t had a formal consultation process about lands into trust, held public hearings or even set up informal town halls. This was the ideal time for a conversation about the future. (The state says it’s still talking. That’s rich. While we’re suing you, let’s negotiate, ok?)

What’s particularly disappointing about this chapter is that the new governor, Bill Walker, promised a different ending. I had a conversation with him during a public forum at the University of Alaska Anchorage last August where he said tribal-state relations would improve. And that’s been mostly true. The governor has been fantastic on many issues,especially the expansion of Medicaid. But on this big one, the future of tribes in Alaska, well, it’s back to court.

This is the story that the rest of the country needs to hear.

Mark Trahant is the Charles R. Johnson Endowed Professor of Journalism at the University of North Dakota. He is an independent journalist and a member of The Shoshone-Bannock Tribes. For up-to-the-minute posts, download the free Trahant Reports app for your smart phone or tablet.


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Typical Servicing is the Answer to Garage Door Life Expectancy

A correctly mounted plus working garage area door rolls upwards and down effortlessly in response to your signal repeatedly each day, silently plus effortlessly. It’s one of your dwelling’s most indefatigable and also least cherished workers – until eventually something happens, and the next thing you know it starts to crash. Because of its exposure to the weather, and also the quantity of use it gets, it is assuredly no surprise your garage area entrance will ultimately call for garage door repair dallas (http://garagedoorrepairdallasx.com). Regular evaluation as well as routine maintenance is perhaps the easiest way to care for developing troubles before they next develop a crisis. Car port entryway doors are exceedingly hefty, and therefore might be dangerous for a house owner to fix, particularly if the springs are ruined or even the door’s supports pulling away from your wall. Typical issues consist of expanded or perhaps defective springs, misshapen or maybe dented tracks, track supports whose fasteners have ripped off of one’s wall, weakened hinges, dry-rotted wood on the door itself, etc. Typically, standard inspection will assure the particular longevity with the current entrance and stop the requirement for a garage entrance replacement unit. When seeking a knowledgeable garage area entry restoration company, ensure that you use a company which is adequately covered with insurance, licensed and also bonded, plus, ensure their work is guaranteed.


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Hey, I Saw You

My normal Saturday routine when my wife is out of town: dog walk, bike, food, and sitting down at a bar to read the paper by 2pm. The last time it happened I sat down with a beer and the paper in an empty bar and by the time I looked up it was dark out and the bar was wall-to-wall with people. If I didn't remember reading all those stories I would have thought it was time traveling bar. On my 15-foot walk from my barstool to the door I ran into my old boss. She said, "I thought that was you but you had your head down!" We caught up for a few minutes. It was good to hear from her, and I appreciated that she nabbed me to say hello. It reminded me of a few weeks prior when I'd noticed that one of my Foursquare friends was at the exact same bar I was as, but after glancing around and not seeing him, I walked out and wrote a note on his check-in: "Hey, saw you were there. Didn't see you! Hope you're well."

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Monday Morning (2005) – By Jonathon Pernisek

 After slogging through the dour, mournful, and just plain depressive trilogy known as the “film truth collection,” I was more than ready for a change of pace when I began to watch Fleet Street Films’ short comedy Monday Morning. Based on this piece, I would volunteer to see more of director Anthony Spadaccini’s lighter work in the future, as this is a nice example of how he can potentially make an audience laugh and have a good time. There are a few minor faults I’m going to address, but for the most part I think it’s useless to really criticize this film, mainly due to its short length and earnest nature.

Obviously inspired by the classic works of Charlie Chaplin, Laurel and Hardy, and other stars of their time, Monday Morning is a simple silent film following the mishaps of your typical buffoon as he desperately tries to get to work on time. Appropriately the film is shot in grainy black and white, with text cards popping up every now and then to further exposition and nothing more. These cards are used best when aping the style of their original predecessors, such as when an alarm clock is shown and then accompanied by the text “Ring Ring.” Dialogue is hammy and overly articulated, as exampled when the hero of the story repeats everything he is told while talking on the telephone. “If I’m not there in 30 minutes I’ll be fired? I’m on my way!” So begins his mad dash to the office, though just about everything manages to get in his way.

Some jokes fare better than others, with one flat liner being a physical gag where the man’s jeans are bleached, supposedly because his cat tipped over a bottle of the stuff. This really doesn’t make a lot of sense, and the fun of silent films was their knowledge of being firmly rooted in reality. Luckily Monday Morning doesn’t repeat this mistake because of its speedy pace, moving from one situation to the next so nothing becomes repetitive or boring. The best section by far involves the old routine of a car slowly but surely escaping its owner, forcing our hero to haplessly hold onto the grill in a worthless attempt to save his vehicle. It’s well shot, and the physical comedy is great.

The movie does slow down as it comes to an end, becoming stuck as the stressed-out lead is forced to deal with multiple jerks at a bus stop. You can only watch so much slapstick fighting before your mind starts to wander, and the last few minutes of Morning are filled with nothing but people running after each other and throwing mock punches. There’s also an eye-rolling and incredibly easy gay joke when Bobby Hamilton shows up as an effeminate teen, a cameo appearance that’s surely meant to amuse Spadaccini and his friends more than the public. Like I said, though, there’s no use wasting critical energy on this harmless short film, and unlike Spadaccini’s dramatic work I can safely say I’d watch Monday Morning again, mainly because it’s not trying to shove a message of tolerance or HIV awareness down my throat.


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Wednesday, November 25, 2015

HSSC Recruitment 2015

HSSC Recruitment 2015 – Apply Online for 4425 Clerk Posts: Haryana Staff Selection Commission
(HSSC) has issued notification for recruitment of 4425 Clerk vacancies. Eligible candidates can apply online from 07-12-2015 to 06-01-2016 till 05:00 P.M. Other details like age limit, educational qualification, selection process, application fee & how to apply are given below…

Name of the Posts: Clerk
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Age Limit: Candidates age should be between 17 to 42 years as on 06-01-2016. Age relaxations are applicable as per the rules.

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Friday, 8 April 2016

Croesus Retail Trust New Acquisition in Hiroshima – Good or Bad?

As from Business Times:

“CROESUS Retail Trust (CRT) is acquiring a prominent suburban mall in Japan's Hiroshima prefecture for 3.3 billion yen (S$40.5 million). Fuji Grand Natalie, located in a well-populated zone in Hatsukaichi City, has about 53 sub-tenants involved in fashion, goods, services, food and other sectors. It has a weighted average lease expiry of 8.2 years, and Fuji as an anchor tenant. Hatsukaichi City is about 30 minutes from Hiroshima City by car, and also home to a World Unesco Heritage site, the Itsukushima Shrine. The 3.3 billion yen consideration represents a 6.3 per cent discount to the property's valuation of 3.52 billion yen, said CRT's manager, Croesus Retail Asset Management”

For more about the acquisition, you can refer to the presentation slide in CRT website.

Lets recall:

A) 5 Apr 16 – issued S$60,000,000 5.0% FIXED RATE NOTES DUE 2020.

B) 23-24 Mar 16 - issued 70 mil New Units at S$0.750 to raise gross proceeds of up to S$53.9 million.

C) 2 Nov 15 – right issues to raise S$69.7 million of which most of the proceeds raised were used to acquired Torius Property based in Fukuoka for a purchase consideration of S$95.2 mil.

With this current acquisition, CRT has a portfolio all across Japan. The last one was Fukuoka last November, which was strategically located as well as far as the portfolio property location is concern. Not just that, CRT has a strong diversification with no single property exceeding 26% of total NPI.

The location of Fuji Grand Natalie is strategically locating near to train station and major access roads, serving as a suburban mall for neighboring residents who were having income above national average. Moreover the area is seen historically with stable growth of population as compared to national and prefectural average.

I also like the fact that the land is freehold and constructed in 1999, with long WALE of >8 years and diversified tenants mix master lease to Fuji Co until Mar 2024.

The deal also represented 6.3% discount to valuation.

Figures wise, yield is “projected” to be accretive, because the property has NPI yield of 6.3% above the estimated cost of capital est c4%.

The purchase is financed by a mixture of equity and debt financing.

1)    ¥2,273.1m (=S$28.2m) via Japanese bank loan and bonds at dirt cheap cost of debt of 0.6%
2)    Proceeds of a placement exercise completed recently ¥1,463.7m (S$80.1m)
3)    Consumption Tax ¥150m

Post acquisition and after utilizing the proceeds from the recent placement and issuance of MTN (total ~ 113m), CRT still have an estimated remainder cash of ~S$33m for further acquisition.

AUM will rise 3.7% to ¥99.8bn and DPU is “expected” to increase from 7.66 Sct to 7.80 Sct.

CRT is trading at a current price of S$0.825. At this current price, it has a 9.45% yield and a price to book ratio of 0.874

Rolf’s Thoughts

I had personally not visited the mall and not sure how great it actually is, in comparison to what CRT has said. Despite that, based on what was published, I think it is a great deal with many positives. I especially like the fact that it is suburban, and its efficient use of financing, the freehold and long WALE leasing and how the deal is project to be yield accretive.

That said, could CRT be over aggressive in its recent acquisitions mounting its own debts in volatile global environment like this. The last two acquisitions take place within a space of less than 6 months, and potentially a next one upcoming maybe?

Or perhaps, they are also confident that the Japanese government will eventually be able to stimulate consumption with more measures ahead, having been not so successful with Abenomics  over the past years.

What do you think about this deal?

Disclaimer : I own shares of CRT at time of writing.

  1. Rolf,

    Long time no poke you. So for old time's sake.. Here goes:

    "I had personally not visited the mall and not sure how great it actually is, in comparison to what CRT has said. Despite that, based on what was published, I think it is a great deal with many positives. I especially like the fact that it is suburban, and its efficient use of financing, the freehold and long WALE leasing and how the deal is project to be yield accretive."

    Is this how you buy properties?

    How would one describe this kind of investing behaviour?

    Vested interest can be dangerous if we let it cloud our judgement.

    Using zero-based would be better (but then its hard).

    I'll turn the question around back to you. If you are not vested in CRT today, with all the other options and choices available to you in SGX, would you invest in CRT Monday morning based on this new acquisition?

    Or would you prefer to stay in cash or ride another "horse" instead?

  2. Hi Jared,

    Good morning to you. I do not see it as a poke.

    I tend to agree with u and It is a very good reminder that I should have added in my article instead.

    Answering ur qn, I will definitely not buy a property without seeing it. Personal touch is important for a house for staying or even renting.

    Hmm.. but buying a REIT stock while some part are the same, it is not entirely apple to apple comparison with property. Isn't it true?

    It also involves the creation or balancing of ur own portfolio with different classification of stocks diversify across sectors/countries.

    But my vested interest did cloud me when writing this article. You raised an extremely valid point. Thank you.

    1. Rolf,

      It's not the same of course.

      Buying REITs is buying into the investment acumen of the asset manager ;)

      Having said that, the ability to touch and feel is a way to "verify" the savviness of our asset manager ;)

      2 sides of the coin:

      a) The asset manager is betting Abenomics will continue to reflate prices and boost this "yield accretive" acquisition.

      b) The mall owner on the other hand believes otherwise... If not why so eager to sell at a discount?

      Similar to what you will do and sell your shares at a loss when you know it may go down much further right?

      It's fun to have a sporting sparring partner!

    2. Yes... another very valid point and I totally agree.
      Keeps me thinking in the right direction.

      It somehow reminds me of Saizen and Halcyon Agri seeing the eagerness of the manager/owner to expand so rapidly and waiting for the right opportunity to offload!

  3. Nod nod nod...

    White or black cat, can catch mice is good cat!

  4. I think need some time to judge... It doesn't seem to be immediately accretive as the increase in NPI does not make up for the dilution by placement. Expecting them to make another acquisition very soon. Definitely the manager is profiting from more acquisition fees and management fees.

    1. Hi owq,

      Thanks for visiting for the first time.

      Yes, most acquisitions require time to ascertain if it is a good or bad one. That is w/o a doubt. Personally in my career, I also went thru several acquisitions. No guarantee of good or bad from a start, but instead from a corporate point of view, u look at justifications of an acquisition.

      Retailers like us who can only speculate the true reasons from outside will never know the real reasons from inside. Although the egoistic self will always think "we know!"

      End of the day, like CW mentioned, since we are Retailers, our objective is to make sure we can make money "can liao!"

      Delving too much into motives, statistics, analysis, reasons while important may not necessarily mean u can make money in the stock market.

  5. I wouldnt touch this as Japan had been and I believe will continue to be in a structural deflation. This is why many Japs prefer to rent rather than buy a house. This has not change recently. If CRT portfolio will to do an honest re-valuation, will the total value drop? Its my guess versus yours. :)
    I agreed with the fact that acquisition enrich the manager with fees.

    1. Hi Henry,

      From the view point of earning money, I must say CRT is doing well for me.

      If you look at STI in Apr15 falling from 3550 to <2600 and now 2800. Then look at CRT stock in Apr 15 at $0.8 and today 0.825 and despite the rights issues and 8-9% Dividend.

      No brainer which one show better results?
      And I am definitely not a diehard fans of WB!

      However like u, I am bearish about JAPAN economy in the long term and it will take quite a miracle for a turnaround. No matter how much they print money, people are still relatively reluctant to spend more to inflate. Maybe it will come to a situation where govt need to hand money directly into the hands of the consumer. So yes structure deflation likely, but the question is when? or Abrupt or Gradual?

      Jap renting is more related to residential. For CRT, their portfolio is suburban malls which perhaps is not entirely apple to apple comparison.

      Whether property value will up/down and by when will it happen, the answer is not entirely obvious! What I do know is at the very least people's lives still need to go on and suburban malls are serving mostly basic needs in the neighborhood and logically speaking the risk of adverse impact will be reduced. :-)

      Afterall it is fair that a yield at 9.45% should carries higher risk than normal reits.

      A so call good stock may not nec help us earn money and a so call bad stock may not necessary not win any money for us either.

      Most important is how we understand ourself and our strategy/objective and what outcome we eventually gets!

      Diff people diff!

  6. Rolf,
    did you get any share in the pte placement?

    1. Hi FC,

      Pte placement as the name suggest is for private ... banks, funds etc Not for me and maybe also not for u if we r just retail investors.

      You r vested?

  7. Hi Rolf, is "A) 5 Apr 16 – issued S$60,000,000 5.0% FIXED RATE NOTES DUE 2020" open to retail investors or only institutional investors? Thanks for clarifying!

    1. Hi Karen,

      If I am not wrong, it is for institution or normally accredited investors, just like a bond issues. DBS Bank Ltd. and United Overseas Bank Limited have been appointed as the joint lead managers for the Notes.

      The notes are Euro Medium Term Notes that allows capital to be tap in foreign market and maturity date is within 5 yrs from date of issue.

      Hope it helps. :-)


text:
Tag Archives: Election 2016

Thoughts on voting in 2016

United States of America Election Day. Vote badges. Voting.People vote for all kinds of reasons.  I’ve come to learn that fact over the years.  But, I’ve been really amazed to see so many do all kinds of mental gymnastics to justify their vote this year, especially those who voted for a presidential candidate of the two major parties.

I know my way of voting is not the same for everyone else.  I get that.  I respect your right to vote and your ability to form your own opinion.  But I just don’t see how anyone can justify voting for the presidential nominee of the two major political parties in the 2016 election.  Perhaps my idea of voting is a bit too romantic, I don’t know.  When I vote, first and foremost,  have to see the person who I’m voting for.  Who is this person?  What are their values?  These values don’t necessarily have to match mine exactly, but I need to know that my vote is going for someone who at their core values things like: honesty, integrity, respect for others,  and a love for constitutional principles.  If we don’t get these basic fundamental qualities in a candidate, what do we have left?  I have to see these things first, before I see party affiliation, issues they support or any other factor.

Ever since I can remember, I’ve never seen two more poorly qualified candidates than we have now representing the two major political parties.  Neither come anywhere close to meeting my value conditions.  Donald Trump is a narcissist.  This alone is a very dangerous quality to possess while at the same time holding great power.  He is a proven misogynist.  He clearly has used dishonest tactics to get ahead in business and make money.  Remarkably, has been completely frank and candid about who he is this entire race.  Yet, despite these very glaring and troublesome characteristics, people will happily vote for him.  I ask sincerely, “Will he simply stop being who he is once he is cloaked in the considerable power of the United States Presidency?”  It is dangerous to put power in hands of one like him.

Then there is Hillary Clinton.  A lifetime politician who has been proven over and over again to have colluded with law enforcement and foreign entities, accepted large sums of money from corporations and foreign persons that were intended to gain favors and access while she was Secretary of State.  She has taken millions of dollars from Wall Street companies where she has said what they wanted to hear contrary to her own party’s platform.  She is bought and paid for.  She is everything that is wrong with the current state of politics in the United States.  She has been shown to disregard the laws of the country with this recent email scandal, purposefully destroying evidence after a subpoena. Just think about that for a moment.  She does not meet my standard of honesty and integrity.  Again, I ask, “Will she suddenly stop being who she has proven to be once she is clothed in the mantel of the presidency?”  I think not.  We will get more of the same.

When you vote for a candidate, you are voting for them and all that they bring.  You are not voting for Hillary just because she is a woman and would break a long awaited glass ceiling.  You are not voting just for the repeal of Obamacare if you vote for Trump.  If you vote for Trump, you are not doing so just to avoid a Hillary presidency.  You are not merely voting to support a party.  No, you are voting for everything in that candidate, the good, the bad and the ugly.

Look, I get it.  No candidate is perfect.  I’m not looking for that.  But, I think that one has to consider the big picture and see the candidates for who they are and demand, through our votes and through our participation, that people hold up values that will represent us and that will protect us.  The two party system has failed us this election cycle by offering two poor choices.  There are consequences with elections and the responsible party is us, the people, for putting them there.

I voted for a third part this year for president.  I consider myself a conservative minded individual, but I voted for some Democrats as well.  We must get out of our silo thinking regarding party and issues.  We don’t vote for parties.  We don’t vote for issues.  We vote for people.  And we must take great care to ensure that those we vote for have as high of a moral fiber and as we can find.  In my humble opinion, voting for an issue or a parry or any other thing, without considering the person is shallow and irresponsible thinking.

There.  I finally got that off my chest and can now happily go about my Wednesday.


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The Romanian Internet Tech Startups Directory

Lean Startup Bucharest
City: Bucharest
Country: Romania
All Year Round

A place where valuable people can meet in order to build awesome stuff together

The Lean Startup movement world wide has the aim of effectively validating and scaling business ideas.

The Lean Startup Bucharest group is affiliated to the global Lean Startup Circle community and does it’s best to:
– promote the Lean Startup culture in Romania
– build a place for relevant change of experiences with regards to growing a business
– create the necessary environment for the creation of startups that have a positive impact in society
– train people willing to become entrepreneurs
– help founders find co-founders and investments

We do these through organizing monthly events dedicated to a specific theme.
Usually events fall into three categories:
– information dissemination by having two guest speakers talk about a specific subject from different angles
– networking specific events for exchange of ideas and contact information
– training about the Lean Startup methodology

The event is about...
Technology, in general
Looking for...
Other opportunities
Event Location
Str. Povernei nr 20
Bucharest, Romania
See phone number

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How to Web is the most important conference on web business and technology in SEE, bringing hands-on talks on product, business and tech innovation.
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Author A to Z

Sue Moorcroft writes novels, serials and short stories for various magazines. She’s a past vice chair of the RNA and the editor of Loves Me, Loves Me Not and Truly, Madly, Deeply, the Association’s short story anthologies.

A winner of the Katie Fforde Bursary and the Best Romantic Read Award, Sue and her books have received various other nominations.

Sue’s also a creative writing tutor, leading workshops and courses at home and abroad, and is the author of Love Writing – How to Make Money Writing Romantic or Erotic Fiction and courses for the London School of Journalism and DigitalSea.

After a childhood in Germany, Cyprus and Malta, Sue has settled in England.

It's a fact

30% of romance readers choose a book because they already like the author.


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Event report

Conference 2009: Hugo Summerson: ‘Public Speaking – how to do it really well’

Report published 19 July 2009

Event took place on 19 July 2009 - read event entry »

Panel members

Jenny Haddon and Hugo Summerson

Hugo Summerson’s talk on Public Speaking - How to do it Really Well was the best proof possible that his methods do indeed work. Everyone was swept along by Hugo’s enthusiasm, to the extent that all those who heard him were convinced that they could address a crowd too and enjoy the experience.

From ensuring that the top was put back on the bottle after pouring out a glass of water, to checking on the expertise and expectations of the audience, to planning out the key points for delivery using concrete examples - working in anecdote and humour - Hugo showed how ‘Help, what shall I say?’ could be transformed into ‘This is going to be fun!’

Hugo’s emphasis on reducing the material to ‘the tastiest sauce’ truly whetted the appetite for more. His engaging presentation was made a visual treat by his dynamic delivery. (No one doodled!) Aspects that made a strong impression were his mnemonic for remembering the order of points (the sequential pictographs for each station on the Victoria line!), and his use of props to instantly engage interest (a pair of Victorian open-crotched drawers grabbed the attention of youths at a tough Islington School, apparently, while the Bedfordshire Farmers’ Union was captivated by a cabbage!)

After endeavouring to find our ribs in order to monitor whether we were breathing properly, we were all left feeling thoroughly involved, and grateful for the invaluable tips Hugo gave us.
Bravo Hugo! An immensely enjoyable talk.

Report by Jenny Barden

It's a fact

Women are more likely than men to read in the bath, while men are more likely to read in the loo.


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Surf & Skate

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Take notes and keep them safe, with the Ron Jon Surf/Skate notepad. Notepad features a plastic case with a skater and surfer and our famous badge logo on the front and comes with its own pen. Pocket sized notepad measures approximately 3 ¼’’ wide and 4 ¼’’ tall.

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  It was 1959 and on the New Jersey shore a bright young man named Ron DiMenna was just discovering the sport of surfing with fiberglass surfboards. The pastime soon became a passion and homemade surfboards would no longer do. When his father heard that Ron wanted his own custom surfboard from California, he suggested, "Buy three, sell two at a profit, then yours will be free." His Dad was right and Ron Jon Surf Shop was born.

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Ron Jon Bodyboard Core Coil Leash

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The Ron Jon Bodyboard Core Coil Leash is a high performance coiled leash designed to be worn on the wrist. The core leash has a colored core covered with a clear outer coating .

  • Basic bodyboard leash anchor with flat top to attach the leash to your bodyboard
  • Neoprene padded cuff with velcro closure
  • Pull tab to make it easier to release the velcro strap
  • Molded double swivels to help keep kinks out of the cord
  • Made in the U.S.A.

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  It was 1959 and on the New Jersey shore a bright young man named Ron DiMenna was just discovering the sport of surfing with fiberglass surfboards. The pastime soon became a passion and homemade surfboards would no longer do. When his father heard that Ron wanted his own custom surfboard from California, he suggested, "Buy three, sell two at a profit, then yours will be free." His Dad was right and Ron Jon Surf Shop was born.

Customer Ratings:

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MEN WOMEN KIDS SURF SKATE BEACH SOUVENIRS GIFT CARDSSALE ITEMSNEW ITEMSFEATURED THEMES   About Us Media Center Customer Care Locations Careers Website Accessibility Statement My Account My Shopping Bag My Wishlist Advanced Search Surf Reports   Shipping Policy & Info Privacy Policy Terms and Conditions Site Map Mobile Interface Copyright © Ron Jon Surf Shop 1997-2017 All Rights Reserved.   ENTER YOUR EMAIL ADDRESS to receive information on Special Offers, Promotions, and Limited Time Specials!

Ready to make an order? Questions?
Call 888-RJ-SURFS (888-757-8737)

Ron Jon Surf Shop is the World’s Most Famous Surf Shop! Load up the boards and head to the beach in style.
Whether you need swimwear for the pool, skateboards for the sidewalk, skimboards for the beach, or surfboards and bodyboards for the surf, Ron Jon Surf Shop has got you covered.

Follow Ron Jon Surf Shop
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Foundation - what we do

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Foundation Committee

Foundation has three major functions. It raises money, it enables educational programmes and it gives support to other committees.

For some years the eradication of Polio has been a major objective of the Rotary movement. .Worldwide we met the challenge set by the Gates Foundation which had promised to give $350 million to the Rotary movement if we raised $200 million .In fact that goal was reached so efficiently that an additional gift of $50 million was made by the Foundation in recognition of this achievement. . Polio is still endemic in only three countries .Our Club is proud to have supported this work not only in raising money but also visiting India to take part in immunisation.

For a number of years our Club has been involved in hosting and assisting Peace Fellows at Bradford University.. The Rotary movement invests a large amount of money in supporting suitable candidates for a Masters degree in Peace studies. We regard this investment as money well spent as we are helping them to pursue careers at the highest level . We are delighted that our members are hosting two Peace fellows out of the nine that are sponsored at Bradford this year.

Foundation has a major part to play in the life of the Club in supporting other Committees . Taking into account our accumulated experience and training we have a particular expertise in increasing the value of any funds they can raise by obtaining access to grants for particular projects.

Foundation Convenor

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How can you say "No" to a FREE collection of Pathfinder templates, encounters, feats, domains, and archetypes? If you say no designer Will McCardell and artist Lance Red will send a Gluttonous Satyr after you.

Rite Publishing brings you Pathways, a free 'zine packed with plenty of Open Game Content for you to take to the table. You'll find articles by Will Mcardell (The Secrets of Tactical Archetypes I & II), Jonathan McAnulty (The Secrets of Divine Channeling) Crieighton Broadhurst (Raging Swan Press), Ron Lundeen (Ron Amok Games) David Paul (Pathways Editor-in-Chief). Also you will find the top products with reviews by Endzeitgeist, and an interview with RpgSuperStar 2012 winner Mike Welham.

Heroes of the Jade Oath 1001 Spells Martial Arts Guidebook In The Company of Dragons Curse of the Golden Spear Faces of the Tarnished Souk Book of Monster Templates

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Shaman's Stockart has no other purpose than being the best stock art reference for your publishing or non-profit project needs. Each pieces of artwork was crafted with love and care!

Platinum pack consist of 4 high quality scenary. Sizes varying form a quarter  page to a full page.(see demo picture below). All pieces are 300 dpi jpeg.

Shaman's Stockart allows our clients to alter/modify any purchased product. Crediting us for any use is a must.

Shaman's Stockart offers freelance services. Email us for an estimation rate of your requested piece.

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Memphis is the Asthma Capitol of America

Memphis is the most challenging city in america for asthma

(RxWiki News) Memphis has asthma sufferers singing the blues. Memphis has been named as the asthma capitol of America while two more Tennessee cities cracked the top five.

Asthma is a widespread problem in America, with close to 25 million adults and children having the disease.

While there are various ways to treat and manage asthma, the city you live in plays a large role in how severe your asthma symptoms are. In a new study, Memphis reigned as the Asthma capitol of America based on 12 factors.

"Talk to your doctor about ways to reduce asthma risk."

A new study by the Asthma and Allergy Foundation of America (AAFA) evaluated the 100 largest cities in America to determine which city is the most difficult to live in for asthma sufferers. Unfortunately, if your city is on the list, moving will not help as every city has their own downfalls when it comes to asthma.

For the study, the AAFA took into consideration:

  • annual air quality,
  • annual pollen score,
  • approximate death rate due to asthma,
  • estimated number of asthma sufferers per city,
  • number of self-reported asthma sufferers per city,
  • public smoking laws,
  • poverty rate,
  • uninsured rate,
  • school inhaler access laws,
  • reported rescue medication usage,
  • number of asthma specialists and
  • reported controller medication usage.

Each of the 12 factors were weighted by doctors and researchers based on their effect on the quality of life for the asthma sufferer. Each city was given a final score based on these 12 factors.

Memphis was the third worst city for asthma sufferers in 2011 and took the top spot in 2012.

The AAFA bestowed this dubious honor on Memphis due to poor air quality, high annual pollen scores, the higher number of ozone days, no public smoking laws and high use of rescue medication for asthma.

Memphis was not the only Tennessee city on the list as Knoxville and Chattanooga were among the worst cities for asthma sufferers. Knoxville came in at number three while Chattanooga was ranked as the fifth worst city for asthma sufferers.

In a previous report by the AAFA, Knoxville was the allergy capitol of America, ranking as the worst city for allergy sufferers. Chattanooga was number seven on that list while Memphis was the eight most challenging city for allergy sufferers.

The list of the worst cities for asthma included New Haven, CT coming in as the second worst city for asthma sufferers. Pittsburgh, PA was number four, Hartford, CT was number six, St. Louis MO was number seven, Oklahoma City, OK was number eight, McAllen, TX was number nine and Allentown, PA rounded out the top ten.

Asthma sufferers in Memphis should not pack up and move out. The AAFA recommends asthma sufferers to better educate themselves in regards to asthma risk. This includes visiting an asthma specialist and developing an asthma management plan.

The report was published by the Asthma and Allergy Foundation of America.

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Review Date:
May 8, 2012


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Voyage of the SV Terrwyn

Bill and Cathy Norrie are co-caps on their beautiful yacht, Terrwyn and together they are voyaging around the world.

19 October 2016 | Friday Harbour, Washington.
28 August 2016
18 June 2016 | 48 17'N:124 03'W, Strait of Juan de Fuca
14 June 2016 | 47 30'N:127 35'W, Bamfield, B.C., Canada
13 June 2016 | 47 30'N:127 35'W, Approaching the Pacific North West
12 June 2016 | 45 31'N:131 13'W, Approaching the Pacific North West
11 June 2016 | 44 36'N:132 31'W, Approaching the Pacific North West
09 June 2016 | 42 25'N:135 40'W, Approaching the Pacific North West
07 June 2016 | 40 05'N:140 20'W, Day 15 : Hawaii to Canada
04 June 2016 | 36 40'N:143 30'W, Day 12 : Hawaii to Canada
03 June 2016 | 34 36.5'N:144 28.9'W, Day 11 : Hawaii to Canada
02 June 2016 | 33 00'N:145 32'W, Day 10 : Hawaii to Canada
31 May 2016 | 30 01'N:146 37'W, Day 8 Hawaii to Canada
30 May 2016 | 29 34'N:149 06'W, Day 7 Hawaii to Canada
29 May 2016 | 28 58'N:150 35'W, 6 day underway
26 May 2016 | 24 43'N:156 56'W, Third day underway
25 May 2016 | 22 56.8'N:158 02'W, Leaving Oahu
24 May 2016 | Honolulu, Hawaii
14 May 2016 | Honolulu, Hawaii
12 May 2016 | 21 11.6'N:157 42'W, Sailing to Honolulu

Terrwyn Sails on... With Her New Owner

19 October 2016 | Friday Harbour, Washington.
We are now a one boat family! Yes, we sold our precious Terrwyn, who so ably took us around the world.

Last week we sailed our BCC 28 Pixie from Port Townsend back to Canadian waters (she proudly wearing her new Hasse, Port Townsend sails and Best Coast Canvas sail covers and dodger).

Whilst docked at overnight at Friday Harbour who did we bump into (not literally, thank goodness) but Terrwyn and her new owner bringing her to her new home.

It was a sentimental visit but there were no tears shed as we knew that Terrwyn had found a safe new home and loving owner. After helping Terrwyn into her new slip we sailed Pixie back home to Canada.

This closes one chapter and we are eager to sail into exciting new chapters. Who knows where Pixie will take us?

Tying The Knot Party

28 August 2016
After circumnavigating around the world co-skippers Cathy and Bill were ready to celebrate! Over 80 people joined them for this occasion in the garden of The Latch Inn, Sidney , B.C. Many of our guests traveled from afar... Paul and Catherine even sailed from New Zealand to be there to celebrate with us.

What fun we had and the food that was served by Luigi and Valeria, owners and chefs of The Latch, was delicious. The crowning touch were the two Baked Alaska cakes.

Throughout the dinner the music from the SV Terrwyn's Playlist was played interrupted at times with spontaneous singing of favourite sea shanties. "Roll the Old Chariot Along" and "Barrett's Privateers" were the favourites that night.

Whale of a Welcome!

18 June 2016 | 48 17'N:124 03'W, Strait of Juan de Fuca
What a welcome!

Yesterday, sailing from Bamfield approaching the entrance to the Strait of Juan de Fuca we came across a pod of Grey Whales. We spent an hour watching them majestically moving through the water. Breaching, spy hopping and diving they gave us a show that neither of us had ever experienced before ... nowhere in the world. We finally decided to move on or we would have been arriving in Neah Bay after dark. We couldn't believe it when the whales moved with us and escorted us along the Canadian coast until we headed across to the U.S.

Thank you Canadian Grey Whales for our welcome home show!
Vessel Name: Terrwyn
Vessel Make/Model: Pacific Seacraft Crealock 37
Hailing Port: Victoria, B.C., Canada
Crew: Bill and Cathy Norrie (AKA Scuppers and Pipper)
SV Terrwyn has completed her circumnavigation of the world with her co-skippers Catherine (AKA Poppy) and William (AKA Scuppers) now getting used to their land legs. Getting off the boat successfully onto terra firma can be a challenge. [...]
Extra: Bill and Cathy are co-caps and together on their beautiful yacht, SV Terrwyn they are travelling around the world. We hope you enjoy travelling with us and we love to read any comments that you might leave.
Terrwyn's Photos - Main
The party was held at The Latch Inn, Sidney B.C. Over 80 people from far and wide joined us to celebrate our circumnavigation.
No Photos
Created 28 August 2016
We were able to get a 20 day visa to visit the Galapagos. Of those days we spent some on the island of Santa Cruz where Terrwyn is anchored then went on a 4 day cruise tour with 14 other people. The cruise took us to: Bachas Bay on Baltra Island, , Genovesa Island one of the most remote of the islands, Bartolome a volcanic islet just off the island of Santiago and finally Isabela, the largest island in the archipelago. A highlight for us was our final snorkelling time at Los Tuneles on Isabela. Imagine drifiting amongst numerous giant Green Turtles as they browse the seaweed. Bill even saw a large Seahorse, 8-10 inches in height! It was too far down (about 5 metres) for me to dive to. Seahorses are notoriously hard to find so this was quite a coup for the group to find.
12 Photos
Created 26 March 2016
We sailed from Trinidad to Bonaire and then on to Santa Marta, Columbia. After a few days we took the bus to Cartagena and stayed overnight. Lovely historical town. From Santa Marta we sailed to the San Blas Islands visiting 3 different islands, one of which had a traditional village with very friendly Kunas. One of our favourite anchorages was the Swimming Pool Anchorage in the Holandes Cays. BBQ Island was sweet with a grass hut cafe that served fresh fish dinners every night - the guys would go out fishing at 6pm and the fish was served at 7:30. Talk about straight from the hook to your plate!! Transit the Panama Canal is another adventure.
10 Photos
Created 28 February 2016
Time spent in Santa Marta and Cartagena gave us a taste of Colombia.
9 Photos
Created 13 February 2016
A fascinating peek into history. One could almost sense the spirits which must still abound this place of confinement.
3 Photos
Created 9 April 2015
We sailed in on Christmas morning 2014 and plan to stay a couple or three weeks. Lots to do and so many wonderful Saints to get to know.
1 Photo
Created 2 January 2015
Whilst anchored in Walvis Bay we hired a car and took off into the desert. First Sossussvlei and then north to Etosha National Park and wild animals.
No Photos
Created 14 December 2014
We spent just over a week in the RCYC (Royal Cape Yacht Club) and enjoyed Cape Town especially with the Volvo Ocean Race teams being here (their first stop in the round the world race).
4 Photos
Created 21 November 2014
On November 13, 2014 exactly one year to the day (and almost to the hour) when we sailed into False Bay from the east we set sail for the Cape of Good Hope. The only day in many that the weather was fair for us to head out. We made the journey from Simon's Town to Cape Town in a good time of 9 hours.
4 Photos
Created 17 November 2014
Just a few images of the results of months of planning what we should take with us for our next leg. Despite careful selections when it comes down to the crunch much had to be left behind...
5 Photos
Created 31 October 2014
We kept Terrwyn in Gulf Harbour Marina, Auckland New Zealand since we arrived in November 2011. After much work done to fix, add and update her we are finally ready to head off again. We spent a couple of nights in the Viaduct Marina in Auckland. It was fun to be in the middle of everything...particularly since an International Triathalon was being held in the Viaduct that weekend. Lots of people and things happening. We then headed off for Kawua Island where we spent a few days on a very secure mooring buoy thanks to the hospitatlity of the owners of Kawau Lodge, Helen and Dave Jefferies. Dinner with Lin and Larry Pardey was fun. A trip in Pickle, our inflatable dinghy, to Mansion House Bay topped it all off!
6 Photos
Created 11 April 2013


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Off to Lanzarote!

So unless the weather forecast changes dramatically in the night we should be setting off to Lanzarote soon. All being well it’ll take about 5 days and change. At the moment the forecast looks like fairly light winds, which means we may end up with a day or so of motoring, hopefully not more.

We use PredictWind for weather routing and forecasting in general, so far it’s been OK and it’ll be interesting to see how it does with an offshore route using satellite to download the forecasts.

Joining us for this little adventure is my dad, David, who has already proven his worth helping me with both boat repairs and playing with Teo while mom and dad went shopping. Being able to split the night watch into 3x four hour watches rather than 2x six hour watches will also make the whole experience more comfortable.

Finally, watch this space! We have satellite communications now so we should be able to post here, or at least to Facebook as we go. I’m not sure we’ll have the tracking page working before we leave, but hopefully a quick update is possible.

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Lightroom Editing Basics

We did a this webinar a couple of weeks back and had a great response, thanks to everyone who watched it live. Several let us know they couldn't make it and asked if we could post it. So here it is!

Like I mention in the video, for those interested in our Lightroom Presets, you can use the code WEBINAR to get 25% off.


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The Food Chain - Full Length Play

The Food Chain

Nicky Silver

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ISBN: 9780822215103

Amanda, an anorexic poet of some pretensions, has been married for thr…

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Etiquette and Vitriol: The Food Chain and Other Plays

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Amanda, an anorexic poet of some pretensions, has been married for three weeks, but her husband, Ford, has been missing for two. She calls a crisis hot line and reaches Bea, a volunteer. Bea's answer to Amanda's problems is to diminish them by complaining about her own deceased husband's inattentiveness, her son's embarrassing nature, and also to dispense hilarious (but useless) advice. Just as Amanda nears her wit's end, Ford walks in so she simply hangs up on Bea. Meanwhile, across town, Serge, a completely vain runway model, paces as he waits for the arrival of his latest paramour. He is intruded upon by a former one-night stand, Otto, who worships him and who tips the scales at about three hundred pounds. Otto tortures, harangues and cajoles Serge while swilling Yoo-hoo, eating junk food and taking phone calls from his mother until Serge can take no more. Serge explodes but is interrupted by a phone call—his new lover will not be coming. This leaves Serge and Otto in the same state: Both are now victims of fickle romance. The scene shifts back to Amanda's at the crack of dawn. Serge is banging on the door, looking for his lover, surprising Amanda. It was with Serge that Ford had spent his lost two honeymoon weeks. Having followed Serge, it isn't long until Otto shows up, with breakfast, threatening suicide. Next to arrive is Bea, furious at Amanda for hanging up on her as Bea does not tolerate rudeness. As riotous chaos builds, we learn that Bea is Otto's mother, that Otto and Amanda are old school friends, that Serge will settle for both Amanda and Ford and that Ford has absolutely nothing to say. Bea takes charge and offers a solution. Although short on practicality, it is long on pleasure.
"Poisonously funny…the wittiest talk in town." —NY Times. "One of the funniest new plays to zoom into New York in years." —NY Post. "Mean, smart and hilarious—his best play yet…built to barrel down the laugh track and explode when it hits human misery." —Washington Post.

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In Särkänniemi there are many interesting shops where you can buy a memento of a nice day of amusement or Särkänniemi-themed presents to take home. Särkänniemi’s shops boast a delightful range of products and souvenirs inspired by the amusement park, including Mauri Kunnas books and products, as well as Angry Birds toys!

Näsinneula Shop in the Näsinneula building is open throughout the year, and Angry Birds ShopPark Shop and shops located at Doghill are open during summer months.


text:
Monday, May 30, 2011

Check out my review of The Hot Spud on their web site!

Click on the link below to take you to The Hot Spud Press page and read my Sasaki Food Time review!

The Hot Spud Cafe Press

Where did the Pogi boy Review go?

A lot of you have been asking where my Pogi Boy review has gone. I have taken it down at the request of my friend Brent as the menu has undergone some tweaks and he wanted to keep it under wraps until the debut on June 18 at the IE Food Truck Fest! My initial review will be posted back up on June 18th! That should be followed by the debut of the Pogi Boy truck later that same day!

Friday, May 13, 2011

Review of Mama's On 39

Hey Sasaki Food Time Fans - bringing you an exclusive first look here on sneak preview day of Mama's On 39! I have been looking forward to this day since I first saw their pictures of the food on the menu! It suggested home cooking and rules just like mom's!

Check out the cool logo!

First off - I love the industrial vibe of the restaurant! Steel pipes on the ceiling and wood floors! Second - the service was "Disney" quality! But let's skip that and get to the food!

Take a look at the menu:
The first page convinced me to try one of their speciality drinks. I went with the strawberry sherito - a lovely blend of fresh strawberries muddled with canton ginger liquer, soju vodka, ginger root and mint leaves. This one was dangerous! It was like a nice sweet strawberry drink. You couldn't taste the alcohol - it was blended in perfectly!

We opened up the menu and saw that there was something we had to try - the bacon biscuits with honey butter! They came out piping hot and you could just smell the bacon as you opened the biscuit - more of a muffin really - up! Then you spread some of that honey butter on and it was just perfect!

We saw that the menu looks more geared towards breakfast which is fine to us and we both went with the chicken and waffles! The waffles were bacon waffles of course and come with gravy or syrup! We both went with syrup and it's actually a citrus syrup! Quite delicious and they should sell it! Hint, hint! The waffles were perfectly cooked with a nice crispy crunch on the edges and nice and soft in the center! The chicken blew me away! Some of the best fried chicken I have ever eaten! Each bite was juicy and flavorful! Added bonus - no bones! All four pieces were boneless fried chicken perfection!

We of course saved room for dessert because I knew that they had my choldhood favorite Thrifty brand ice cream. They scoop it out for you in a cup or a cone and bring it right to your table! I had the rainbow sherbet and it brought back fond childhood memories!

We would definitely be back and hope to bring you along! Great service from an amazing staff! Thank you for the assistant managers to come on by and introduce themselves as well! We will be back with friends!

Click on the name to go to the website:
Mama's On 39

Tell them that you heard about them on Sasaki Food Time!

Review of Old Towne Grinder

This was one of the stops on the OC Wine Trolley and I knew I had to go here! They sold me on the fact that they carried the original Dr. Pepper! I'm a fan of Dr. Pepper but also have a few close friends that swear by Dr. Pepper! Now I had no idea that as soon as I walked in I would be in soda heaven! Take a look at the pics:

This is just their selection of root beer!

A few more cases of soda!

With so many choices it was nearly impossible to decide which soda to try first! But I stuck with my guns and went with the original Dr. Pepper!

It was delicious! Made with pure cane sugar instead of that processed stuff - this soda was on it's one playing field! I combined that with a pastrami with spicy mustard and pickles!

This pastrami was totally filling! The bread was perfect and didn't get soggy with all of that juicy pastrami and pickles and spicy mustard in it! I also added chili cheese fries - another weakness of mine!

The fries are fantastic by themselves. They are crisp with a nice dusting of seasoning. The chili is totally fresh and nice big pieces of tomato make it perfect!

And of course I had to have another soda to top it of! I went with a chocolate soda! I know what you're thinking but it was like a chocolate float in a bottle! Delicious!

They also have an ice cream counter and have been told they are very generous with their servings but I had no room to try any ice cream on this day. But it gives me even more reason to come back again!

If you're in the Orange Circle stop by Old Towne Grinder - it's like taking a step back in time!

Click on the name below to go to the website!
Old Towne Grinder

Tell them you heard about them on Sasaki Food time!

Friday, May 6, 2011

Review of The OC Wine Trolley

Hey Sasaki Food Time Fans!

Get ready for an epic review of the OC Wine Trolley! An epic tour of 13 restaurants and 6 wine samplings! There will be a lot of photos and a review or thought of all of the food I ate tonight! Also the names of the restaurants are also links to take you to their website!

Shall we begin? Let's go!

Yes, this is the list of all 13 places we will be sampling from tonight!

This is the list of all the wine samplings we will be having tonight as well!

The host is Al Ricci who is extremely knowledgeable about Old Towne Orange and gets everyone talking and before long it's just a great trip with old friends!

The first wine sampling is a beautiful Mason Sauvignon Blanc. Each wine has a double sampling so they come back and give you another sample of the same wine as the trolley heads to Old Towne Orange.

The first stop is Old Towne Grinder for a turkey grinder. Great turkey on a nice white soft white roll. They also carry some great sodas. I want to go back and get their original Dr. Pepper!

We now get our second wine sampling which is a Acacia Chardonnay.

We then arrive at our second destination, Cafe Lucca for a delicious bruschetta. I loved the tomatoes and the fresh mozzarella.

Our third stop is to the Citrus City Grille for some pot roast and mashed potatoes. The pot roast was just tender and the mashed potatoes were lump free and delicious!

Please keep in mind that during the time we are traveling on the trolley from place to place, Al is giving us all sorts of historical information on the area and pointing out historical landmarks.

Now would be a perfect time for something sweet and we find it at our next stop at The Perfect Circle Cupcakery and we get one of their delicious red velvet cupcakes. Red velvet is already one of my favorites and this just became one of my new favorites for red velvet. It was soft and delicate and not overly sugary. Just perfect.

Now the red velvet was matched to perfection with our next wine, the Deloach Pinot Noir. I missed the photo as it went so well with the cupcake that I just drank the Pinot Noir.

The next place is Cherry On Top, this is another new favorite place that I cannot wait to go back and try. They create some very unique frozen yogurt flavors and we sampled a peach tart with powered green tea on top.The place I wanted to go back to after the tour was over but my friend and I were both stuffed!

Next up is one of my favorite places and that's Beach Pit BBQ. They brought us their amazing pulled pork.
They gave away a bottle of their bbq sauce for answering a trivia question. I got it right and here is my free bottle of bbq sauce!

Our next wine sampling was the 7 Deadly Zins Zinfandel which went perfectly with the bbq! The pepper spice in the zinfandel brought out the smokiness in the bbq.

By now I am starting to feel pretty content. But we moved on to our 7th restaurant sampling at Taco Adobe (no website) for their chicken and cheese wrap. It was just a wonderful blend of juicy chicken and cheeses in a soft tortilla! The second sampling of Zinfandel went great with this as well!

The next stop really started to do me in and i was quickly becoming full. This was Francoli Gourmet, an fantastic Italian restaurant. We sampled their calamari,

their risotto,

and their cherry tomatoes and mozzarella on a stick.

I was pretty much done after eating these three samples.

I was pretty full by this time but we had restaurant number 9 coming up and it was the Felix Cafe and their empanadita criolla filled with seasoned ground meat, just delicious!

And we now made it to wine sampling number 5, a delicious Raymond R. Collection Cabernet Sauvignon.

Stop number 10 brought us to the most disappointing sampling and that was from The Bruery Provisions. They just brought us a small slice of gouda and small slice of salami. I pretty disappointed since I love their beers.

So number 11 was Henry's and I forgot to take a picture of their garlic fries and tandori bread with their homemade hummus. It was delicious and quickly eaten! So quickly in fact that once again I forgot to take a photo! I blame the food coma!

We are almost done! Number 12 was Zito's Pizza for their garlic knots

and margherita pizza!

Both delicious!

For our final wine sampling, we had a sparkling Gloria Ferrer Chardonnay. Quite refreshing!

And now for the finale, Rocky Mountain Chocolate Factory for their caramel apples and once again I forgot to take a photo! I was in such a food coma by this point in time that I am surprised that I didn't forget to take pics at the last 5 or 6 places!

We thought we were finished but we made one more stop at Rod's Liquor store for a cup of coffee or tea or soda to finish off our meal!

One of the best experiences ever! Top to bottom just a great operation with a great staff! They keep you entertained and filled with great food, drink and history throughout the tour! I highly recommend it and hope you get a chance to check it out. They currently only have tours on Fridays and they are booked until the middle of July already!

They only have a Facebook Fan Page but message them for more info and they will be glad to send it to you!

OC Wine Trolley Facebook Fan Page

Tell them Jason at Sasaki Food Time sent you!

O.C. Wine Trolley Tonight!

I'll be on the O.C. Wine Trolley tour through the Orange Circle this evening! I have been looking forward to this experience since last month! If you haven't heard about this one of a kind experience, read the description off their Facebook Fan Page:

 "Tour Old Towne Orange in a cool old-school trolley. Trolley stops at 10 local restaurants which bring a taste of their menus right onto the trolley and a wine expert pours great wines to complement the food. A unique experience all around!"
Currently they only have the Facebook Fan Page and you can email them to get more details including cost, making reservations and payment procedures!
Here is the link to their Fan Page:
Look for the full review either late tonight or early tomorrow!

Wednesday, May 4, 2011

New video from folks at The Hot Spud Cafe

Hey Sasaki Food Time Fans - the kind folks at The Hot Spud Cafe have sent me a new YouTube video showing off their hot dogs that you can stack as well as their potatoes! Give it a watch and if you go - tell them you heard about them at Sasaki Food Time!

Sunday, May 1, 2011

Shirt giveaway contest has begun on my Facebook Fan Page!!!

Head to my FaceBook Fan Page and submit your photo eating your favorite food or at your favorite restaurant on my page! I will add it to the Contest Album where you and others can like your photo for a chance to win a shirt from me! I will stop allowing pics to be submitted on May 21st and I will have my first contest winner at the end of the month! Good Luck!

Here is the link:
Sasaki Food Time Facebook Fan Page
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Property Manager - Moose Jaw

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Job Order #: 5601777

Employer Name:
Kodiak Property Management
Wage/Salary Info:
$18 - $22 per hour pending experience
Posted Date:
# of Positions:
Employment Terms:
Part Time
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How to Apply?:
Please call 306-522-6080 and ask for Thayne, or email resumes to

Application Information

Employer Name:
Kodiak Property Management

Contact Name:
Thayne Giroux

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A great opportunity for those looking for a career in a growing property management company. This role offers great potential for long term career growth!

Kodiak Property Management is committed to providing the highest quality of customer service in Regina. We strive to be pioneers in our industry, utilizing the latest in technology to provide our customers with unmatchable service. To learn more visit our website

Perform various administrative duties, including:

- Handle calls and emails from owners and condo boards
- Attend board meetings as required
- Perform showings, move-ins/move-outs with tenants
- Work alongside subcontractors for project preparation and completion
- Property Inspections
- Manage maintenance personnel and their daily/weekly tasks

This opportunity will start as a part time job (approx 15-20hrs per week). With a little growth, this can easily develop into a full time salary position!

A professional and mature approach to customer service is a must. Organizational and multitasking skills, and an enthusiasm to learn and grow in your career.

Please call 306-522-6080 and ask for Thayne, or email resumes to

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