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Heading the Tata Group since 1991, Ratan Tata is the Chairman of Tata Sons, holding company of the Tata Group and major Group companies including Tata Motors, Tata Steel, Tata Consultancy Services, Tata Power and more. He is also Chairman of two of the largest private sector promoted philanthropic trusts in India. During his tenure, the Group has further expanded its global reach, with its revenues growing over eleven-fold to around USD$70 billion, after the most recent acquisition of Jaguar Land Rover.
Mr. Tata joined the Tata Group in December 1962. After serving in various companies, he was appointed the Director-in-Charge of the National Radio & Electronics Company Limited (Nelco) in 1971. In 1981, he was named Chairman of Tata Industries, the Group's other holding company, which he was responsible for transforming into the Group's strategy think-tank and a promoter of new ventures in high-technology businesses. He is associated with many organizations in India and abroad in varying capacities, some of which are the government of India’s Investment Commission, the Prime Minister’s Council on Trade and Industry, South Africa’s International Investment Council, several prestigious universities and several philanthropies.
Mr. Tata received a Bachelor of Science degree in architecture from Cornell University in 1962, and completed the Advanced Management Program at Harvard Business School in 1975. The government of India honored Mr. Tata with one of its highest civilian awards, the Padma Vibhushan, this year. | 2019-04-20T07:16:21 | https://ansari.xprize.org/about/people/ratan-tata?profileType=board_of_trustees |
First Residence is designed for guest who search for a budget accommodation without abounding modern equipment, clean style and a comfortable environment.The four-storied low-cost, modern style hotel, with its 38 superior rooms and 6 mini family rooms come all fully equipped in high standard.
First Residence Is Located At Chaweng Road With Many Small Intimate Shops And Restaurants Around. Chaweng Shopping Center And Night Life Area Is Just 500 Meters Away, And Within A Few Minutes Walk You Reach The Popular Chaweng Beach. | 2019-04-21T02:10:46 | http://japanese.hotelthailand.com/samui/firstresidence/ |
Instructional scaffolding is an essential part of teaching literacy. But what is scaffolding exactly? What does it look like in a classroom, and how can we improve the ways we use it? Despite its prominence in the repertoire of teaching strategies, scaffolding remains a vague concept for many teachers.
Monitoring to ensure that, in every moment, students are working at optimal levels of responsibility.
Thompson encourages teachers to enhance their use of the traditional gradual release process through five actionable steps: show, share, support, sustain, and survey, and in doing so provides procedures and techniques to help them establish and maintain strong scaffolds throughout the instructional day. The Construction Zone is written from the teacher's perspective and urges educators to fully embrace their role in the scaffolding process while staying mindful of the effect it has on students.
Taking a student from dependence upon the teacher to independent learning is what teaching is all about, and instructional scaffolding is key to accomplishing this goal. Regardless of where you are in your understanding of instructional scaffolding, The Construction Zone will raise your level of awareness around your instructional practices and the ways you scaffold students to independence.
Terry Thompson received his bachelor's degree in elementary education from Lamar State College and his master's degree in counseling from Sam Houston State University. He has worked in elementary education for sixteen years in grade levels K through 5 as a classroom teacher, Reading Recovery teacher, basic skills teacher, reading interventionist, state testing coordinator, and literacy coach. He is currently a full-time literacy coach for the pre-K through 5 Title I campus in north Houston. He travels regularly, giving presentations to literacy instructors. | 2019-04-25T14:45:05 | https://www.qepbooks.com/The-Construction-Zone |
Mathematica notebooks updated, and a bivector addition visualization.
This blog now has a copy of all my Mathematica notebooks (as of Feb 10, 2019), complete with a chronological index. I hadn’t updated that index since 2014, and it was quite stale.
I’ve also added an additional level of per-directory indexing. For example, you can now look at just the notebooks for my book, Geometric Algebra for Electrical Engineers. That was possible before, but you would have had to clone the entire git repository to be able to do so easily.
This update includes a new notebook written today, which has a Manipulate visualization of 3D bivector addition that is kind of fun.
Bivector addition, at least in 3D, can be done graphically almost like vector addition. Instead of trying to add the planes (which can be done, as in the neat illustration in Geometric Algebra for Computer Science), you can do the task more simply by connecting the normals head to tail, where each of the normals are scaled by the area of the bivector (i.e. it’s absolute magnitude). The resulting bivector has an area equal to the length of that sum of normals, and a “direction” perpendicular to that resulting normal. This fun little Manipulate lets you interactively visualize this process, by changing the radius of a set of summed bivectors, each oriented in a different direction, and observing the effects of doing so.
Of course, you can interpret this visualization as nothing more than a representation of addition of cross products, if you were to interpret the vector representing a cross product as an oriented area with a normal equal to that cross product (where the normal’s magnitude equals the area, as in this bivector addition visualization.) This works out nicely because of the duality relationship between the cross and wedge product, and the duality relationship between 3D bivectors and their normals. | 2019-04-19T13:25:47 | http://peeterjoot.com/tag/wolfram/ |
For 2018 up-to-date airshow information, please click here.
They're fast, they're loud, and they're about to give you the show of a lifetime—The Breitling Airshow is back in Huntington Beach and all eyes will turn to the sky for the legendary aerobatic showcase. Witness the thrilling, chilling and exhilarating jet maneuvers of the U.S. Navy Blue Angels and the Royal Canadian Air Force’s Canadian Snowbirds plus other impressive aerial presentations at the only beachfront airshow on the West Coast. You won't want to miss this event (and if you're anywhere near Huntington City Beach, I'm sure you'll notice the roaring engines soaring above). Huntington Beach is honored to have the Breitling group return with new headliners and fan favorites demonstrating aerobatic feats over the Surf City coast!
Since we can't all travel by fighter jet or military-level aerobatic aircraft, please plan ahead as there may be traffic surrounding the event. Public parking options will all be on a first come, first serve basis. It's recommended to use alternative transportation methods, such as: biking; carpooling; Uber/Lyft services; public transportation; or the Surf City USA Free Shuttle Service (City Loop), running from 8:30 a.m. to 10 p.m.
The airshow is free to the public with upgraded premium hospitality seating and VIP options available at an additional cost. A portion of the net proceeds from the airshow will go to support the Aerospace Education Foundation of Huntington Beach, a nonprofit that encourages education and careers in the aerospace and aviation fields. However, you can opt to pay for reserved seating through the following options.
Featuring: A view at sea! The yacht will be anchored as you enjoy the show on deck, in the large cockpit with a Bimini for shade, or the large salon area. Your ticket also includes a box lunch, soft drinks, and snack. Two restrooms on board!
Featuring: Views close to show center, exclusive beach bungalow tent with tables and chairs, private beach area, concert quality sound and narration, lunch, beer/wine, coconut water and close proximity to premium portable restrooms. Tickets are expected to sell out before the show, so don't delay, purchase your tickets today!
Featuring: Enjoy a front row view to the Huntington Beach Airshow from the oceanfront lawn at the Pasea Hotel & Spa. Look to the sky, as the US Navy Blue Angels and Canadian Snowbirds perform spectacular stunts, all while sipping hand-crafted cocktails and indulging in SoCal cuisine inspired small bites.
This year's headliners will be The US Navy Blue Angels and the Canadian Snowbirds!
A total of 17 officers voluntarily serve with the Blue Angels. Each year, the team selects 3 tactical jet pilots, 2 support officers, and 1 Marine Corps C-130 pilot to relieve departing members.
C-130T Hercules aircraft aka "Fat Albert" requires the pilot to be aircraft commander qualified with at least 1200 flight hours under his/her belt.
The name was picked by the original team when they were planning a show in New York in 1946. One of them came across the name of the city's famous Blue Angel nightclub in the New Yorker Magazine.
The top speed of the aircraft, with smoke tanks attached, is 470mph. During the show, the Snowbirds will fly between 115mph-370mph.
This year, through a partnership with iHeart Radio and KFI AM 640, the Breitling Huntington Beach Airshow will be broadcasting live on show days. Airshow attendees and enthusiasts can download the iHeart Radio app on their mobile devices and tune in to the live broadcast on the custom Breitling Huntington Beach Airshow station. The downloadable station will provide a live play by play from the onsite announcer, Ric Peterson, offering detailed information and insight to the history, planes, pilots, show maneuvers and more.
Visit http://www.hbairshow.com/ to learn more about the different performing groups, reserved seating options, and all things aerobatic with aviation!
Also- don't forget to capture and share your favorite memories, moments, and stunts on Twitter, Facebook, and Instagram! | 2019-04-22T14:14:52 | https://www.surfcityusa.com/blog/post/know-before-you-go-breitling-huntington-beach-airshow/ |
Morris, A History of British Birds.
Morris, Rev. F.O. [Francis Orpen]. A History of British Birds. Second Edition. Six Volumes. London, Bell and Daldy, 1870. 25 x 17 cm. Vol.1: xii, 303 / Vol.2: iv, 283 / Vol.3: iv, 272 / Vol.4: iv, 264 / Vol.5: iv, 247 / Vol.6: iv, 225 pages plus two pages publishers list. With 365 hand coloured Plates in total – complete. Original uniform dark green embossed cloth. Gilt titles and volume numbers on spine. Elaborate gilt and blind decorations. Very good condition. Bindings rubbed and bumped. Edges and end papers dust dulled. Ex Libris of previous owner (‘R. Lachlan Trinity College Cambridge’) on front paste down. Some front hinges started to crack, but bindings remain sound. Occasional mild foxing, otherwise internally bright and clean. A very nice set.
Francis Orpen Morris (1810 – 1893) was an Irish clergyman, notable as “parson-naturalist” (ornithologist and entomologist) and as the author of many children’s books and books on natural history and heritage buildings. He was a pioneer of the movement to protect birds from the plume trade and was a co-founder of the Plumage League. He died on 10 February 1893 and was buried at Nunburnholme, East Riding of Yorkshire, England. | 2019-04-19T12:48:32 | http://westcoastrarebooks.com/detail/101770AB/ |
Providing several types of safety articles about norovirus with over 30 years of real kitchen and management experience to Kailua and all Hawaii. We help foodservice facilities attain a high standard of food safety.
Last month, a local restaurant was in the news as suspected of having an Norovirus Outbreak. The restaurant had a great response, which included shutting down for a few days – over the weekend to boot, discarding all foods on premise, and cleaning of all surfaces in the restaurant, front and back of house. They shut down voluntarily, and did not get a red placard from the DoH. But the cost of the discarded foods, lose of business for the restaurant and staff while closed has gotta sting.
What is Norovirus? It is a very contagious virus that causes gastrointestinal illness. It is the most common causes of food illness in the US, and it can even be fatal – usually over 700 deaths in the US are caused by Norovirus annually. Odds are that most people have had this virus, also known as the stomach bug or flu among others, at least once. Norovirus is usually the culprit when you hear on the news that loads of passengers on a cruise ship got ill.
What are the symptoms? Nausea, vomiting, diarrhea, stomach cramps and pain. Fever, chills, headache and fatigue can also show up. Symptoms typically start 1-2 days after exposure, and last a couple of days. However, young children, elderly and people with compromised immune systems may need hospitalization. After the symptoms have cleared up, your body still may spread the virus for a few more days. This is one tough illness!!
How does it spread? By touching a contaminated surface such as a door handle or cellphone, then touching your mouth nose or eyes, not following proper handwashing procedures, by eating contaminated food, or even from the air when an infected person sneezes, vomits or flushes a toilet.
How to prevent it? Not washing hands after using the toilet is probably the biggest way it is spread. I am sure (I hope) that everyone reading this washes their hands properly. We have all noticed when other people do not wash their hand when they are done in a public restroom – ewww! Constantly review with your staff the proper way to wash hands, including when they return to their work area or touch any parts of hair or exposed skin.
Over 65% of Norovirus is caused by infected food workers. An overlooked prevention is your restaurants illness policy. Do you have a policy? It should include an outline for when your staff should call out sick, and rules for excluding employees from working for 48 hours after symptoms have cleared up. Back in the 80’s, I worked for a Chef that told me I was fired if I did not come in. I was terrified of losing my job, so I went in. Thankfully, the sous chef didn’t even let me in the kitchen, and sent me home. Review your illness and exclusion policies.
Purchasing foods from reputable suppliers, wash fruits and vegetables, proper cooking and holding are good practices you should be following anyway.
Sanitizing the table top is important as well. Make sure your staff is using a sanitizer solution to wipe down the entire table, edges and seat arms before resetting a table. How often are your menus wiped down? How about your condiments? How often are they cleaned? Cloth table cloths should be changed after each diner.
Now that you know more about Norovirus, share this information with your staff so your whole team can work to all say No to Norovirus.
The Hawaii Department of Health has information on Norovirus, including cleanup procedures from a vomit or diarrhea event, on their website. | 2019-04-20T12:53:29 | http://peterbfoodsafety.com/kailua/safety-articles-about/norovirus |
The social day program is offered to adults (also called participants) who may be experiencing mild memory loss and decreased socialization. Structured recreational and social activities are facilitated in a safe and secure environment.
At the heart of our program is the Center’s Recreation and Therapeutic Activities Program. We present “fun” social and therapeutic activities that challenge a participant in a variety of ways to promote socialization, cognitive stimulation, independence, and encourage new friendships.
BrainFitness® by Dakim, a touch screen computerized system designed to challenge seniors minds with various memory and critical thinking exercises. Two BrainFitness® systems were generously contributed by Hoag Memorial Hospital Presbyterian. An additional system was donated by an Anonymous IADHS Family. Thank you to both!
Many difficult emotions and family dynamics are involved when exploring short and long-term care options for an older loved one with special needs. The Center’s Social Worker is specially trained to provide the necessary guidance and support to help meet the individual needs of seniors and their caregivers.
The Center provides a well-balanced breakfast, lunch and snack daily. Menus are designed by a Registered Dietitian and are prepared fresh daily on site.
The Center charges a daily fee for service for both the social day program and the health care program. Prices vary according to each program. The social day program fee structure includes private pay and long term care insurance as available. Scholarship Assistance may be available following an application and review process.
For more information about the Center’s fee structure, our services or to schedule a tour of the facility, please call our Social Worker, Jill Upton at (949) 262-1123 or by email at jupton@irvineadhs.org. | 2019-04-25T00:44:31 | http://irvineadhs.org/daycare-program.htm |
Emma Smith is an analyst at the Council on Foreign Relations' Center for Geoeconomic Studies. She co-writes the Council’s Geo-Graphics economics blog.
Trade deficits, you see, do not just disappear and tax revenues soar because you block imports. Donald Trump needs a new big idea.
The yen is rising. What happens if Japan tries to push its currency down?
Faced with a strong yen, Japan might look to manipulate its currency. Here's what might happen if the country decides to do so.
Going back to 1952, consumer confidence has been a fair guide to presidential election outcomes.
Global growth is stalling, and central banks are running out of options. | 2019-04-21T07:22:09 | https://www.pbs.org/newshour/author/emma-smith |
Over and over, He brought this Scripture to mind. And over and over, I applied it to the fact that my failures are not beyond God’s capacity for restoration. And for a while now, I’ve felt that I had wrapped my head around that verse pretty well. And yet, I kept hearing, “Chris, My grace is sufficient.” So why does He keep telling me if I already had it figured out?
Of course, it’s because I didn’t. And, frankly, I still don’t, though I’m making progress.
The past two months have taught me a lot about myself, but more importantly it taught me about my relationship with God. It taught me that I’ve “gone through the motions” since day one. I’ve never fully given myself over to Him and intensely, actively, intentionally pursued intimacy with Him. I’ve just intellectually known how good He is and acknowledged His handiwork in the world around me. I’ve seen His forgiveness and mercy active in my life; I’ve always known I’m a screw-up. But I’ve never experienced the power of God that I know He’s capable of.
A combination of my incompetence, lack of character, naivety, and weakness has lead me down the path of destruction and death. Over and over, He’s saved me. I’ve stood up, dusted off, thanked Him, and kept going down the same path. I’ve destroyed my marriage, countless relationships, several jobs, and possibly even my freedom. And, as a good friend reminded me a couple days ago, I can do absolutely nothing to fix any of it.
Don’t get me wrong. I don’t have any intention of going down without a fight. But what am I fighting? Am I fighting my circumstances? Am I fighting my employment situation? Am I fighting to make my marriage work? Am I fighting to regain lost friendships? No. I can try (and for my entire adult life have tried) to fix it all, but I will fail (just like I always have). So I’m giving up. I’m not going to try to fight any of that.
It’s not my job to fix anything except for my own lack of intimacy with God. He’s ready already, and He’ll draw near to me at the same rate and degree that I draw near to Him. If I get on the right path with Him and make sure that I’m sticking to that, God will work out the rest of it. I’ll have a happy marriage that bring joy and life into my heart. I’ll have a fulfilling career in service to the Lord. And I’ll have the genuine friendships that I’ve always wanted but never seemed to find myself in.
So I’m not going to try anymore. I’m giving up on all the rest of it. It’s not my responsibility. My sole responsibility is intimacy with God, and I’ve made a promise (to myself, to God, and to others) to devote everything to making my relationship with Him what it always should have (and could have) been. That’s a much lighter load than trying to make up for all my mistakes and clean up my mess. | 2019-04-25T08:32:32 | http://chrissigler.com/blog/2010/07/29/of-failures-and-freedom/ |
The Boston Celtics have an embarrassment of riches. Even with arguably the team's two best players, Kyrie Irving and Gordon Hayward, watching from the bench, the Celtics nearly qualified for the NBA Finals this past season.
Heading into the 2018-19 campaign, coach Brad Stevens has a beautiful quandary on his hands: he has too many good players. How is Stevens, perhaps the league's best coach, supposed to divvy up minutes? Inevitably, someone will probably end up upset.
Stevens is well aware of the difficult dynamics he has to manage. In a recent appearance on Chris Mannix's Yahoo Sports NBA podcast, Stevens acknowledged that his team is loaded—in fact, he thinks he may have as many as 10 starters on his roster.
"We'll just do it like we've always done it," Stevens said of allocating playing time. "Marcus Smart has come off the bench for two years, and I've never considered Marcus Smart to be a non-starter. I just think that you—we're fortunate enough on our team that we've got eight, nine, maybe 10 guys that are starters. So, we'll figure that out as the time comes."
Nine of those "maybe 10 guys": Hayward, Irving, Smart, Al Horford, Jaylen Brown, Jayson Tatum, Marcus Morris, Terry Rozier, and Aron Baynes. The 10th spot is likely up for grabs between Semi Ojeleye, Robert Williams, and Daniel Theis.
Stevens had a very political perspective—as you'd expect.
"For me, it's more about, we have a unique thing, and I think we all have to recognize that," Stevens said. "The starting thing, the finishing and everything else—we're going to have different lineups out there, and everybody's going to get an opportunity and lots of opportunities to make an impact."
The NBA regular season will begin on Oct. 16. | 2019-04-21T13:13:51 | https://www.complex.com/sports/2018/08/brad-stevens-believes-celtics-have-maybe-10-guys-that-are-starters |
Since the declaring goes, “Preparation Powers Performance”. Whether it’s a home buyer surveys Lancashire or possibly a normal home study, collaborating to the initially time inside of a developing survey necessitates a substantial amount of preparation and preparing. You’ve got being both equally bodily and mentally ready to generally be capable to return up with all the ideal selection.
By mother nature, we humans contain the primordial concern with the unfamiliar along with your debut study is no exception. Within the case of dilapidation survey, the proprietor fears recognizing what the real status of his building is. Even though in the homebuyer’s survey, the would-be consumer fears the result will only discourage him to pursue getting the creating which he has set an eye fixed on. A rookie costumer can only guess what to anticipate with the full length from the exercise.
Certainly, you are in an unfamiliar territory and it can be anticipated of you to fire out concerns. Do not be reluctant to accomplish so. The folks with the setting up survey business are more than ready to cater to all your inquiries. They produce a dwelling by answering your creating study thoughts.
For those who come across tough time formulating your thoughts, you may derive them from the commonly requested questions about creating surveys.
If you want precise regions or facets from the developing to become surveyed additional closely then be at liberty to state so. This could make the surveyor give more consideration to these distinct regions of the developing. The developing study could be tailored towards your particular requires. When there is a specific location or aspect, this can be targeted upon.
As a result, it would be as part of your most effective fascination to, just one, formulate all of the doable thoughts beforehand and, two, list down all those components or regions of the creating you need for being inspected extra closely to avoid forgetting them.
Because the developing is staying surveyed, much more likely than not, it’s got defects in it. That being stated, it truly is but obvious that you just don right protection gears. One can never ever be as well careful in conditions similar to this. Ordinarily, hard hats are necessary to protect you from any slipping particles and boots for foot security.
And since danger may well exist, it is not recommended to convey as well several those with you through the developing survey.
The complete developing survey approach will all be in vain should you already have predetermined notions from the composition correct from the get go. Preset adverse presumption may perhaps blur your head within the genuine situation with the developing getting surveyed resulting to the lack of a potential financial investment. Alternatively, neglecting the negative diagnosis on the survey specialists places both you and your family or workers in harm’s way. | 2019-04-26T06:23:48 | http://www.wegotussomemedicalwaste.com/getting-ready-for-just-a-building-study/ |
It must be that time of year. We’ve had three calls from acquaintances asking what’s the best way for their child, who just obtained their degree in Greek Mythology (or some other similar study), to get into Commercial Real Estate (“CRE”). Perhaps it’s a sign of “market heat” and CRE’s continued visibility as an industry, but there is no shortage of interested applicants for commercial real estate opportunities. It’s a competitive landscape, so what can applicants do to more effectively break in?
My first suggestion to future graduates who think they want a career in CRE is: “Don’t get a degree in Greek Mythology,” but hindsight is 20-20 and interestingly, when you go through the BIOs of successful CRE professionals, you’ll find a diverse list of backgrounds which is one of the many things we like about the industry (9 Reasons We Love CRE). Anyway, who am I to judge? I got a degree in Aerospace Engineering. I used to tell clients it was the perfect major for selling warehouses by the airport.
Nothing is easy. If you want to become a part of the CRE industry because you think it’s an easy way to get rich or because you think you’ll impress people with your fancy business card – don’t waste your time. In CRE you will work hard. You will face rejection. You will not get rich in your 20s (most likely) and if in a sales role, you may go extended periods of time without income. If you aren’t tough, find another field. Throw out your get rich quick books. Most of the authors got rich selling their books to you, not in the field they profess to be masters in.
It’s all relative. Most CRE brokers don’t get hired from a wanted ad. It’s generally a function of who you know and often that person is a relative or is a friend with a relative willing to help. If your approach is only to submit resumes online, you will have fewer options. Maybe you don’t know the person personally but, if you can get an introduction to a top professional at a national firm; it will open doors. LinkedIn is a good way to figure out who you know and who knows who. If you’re not connected to anyone in CRE then start with me: Paul Cohen.
Clean up your act. Your resume should be clear and concise and visually appealing. I personally believe in keeping a resume to one page – even for seasoned professionals. If longer, it should be for good reason. CLEAN UP your resume. It should look like it was created after 1997 not just in content, but in visual quality (I’m talking to you Times New Roman users). Take more than one copy to an interview. Customize your resume for different opportunities. Your resume is often your first impression. Make a good one.
Prepare for the interview. Research the company you are meeting with and write down some thoughtful questions. We recently had an applicant who confessed he knew nothing about CREXi and asked if there was somewhere he could get more information: “Have you looked online?” was our response. Sadly the answer was “no.” You will also be asked to introduce yourself. If you just read your resume as your introduction, you will lose your audience who will read along with you and will finish while you’re still talking. Prepare a customized “elevator” pitch that will tell your story: Where are you from? What drives you? WHY SHOULD THEY HIRE YOU? (hint: it’s probably not because of one course you took, your 3.1 GPA, or an internship you did at your uncle’s company). If you are doing significantly more talking than the other person, you might lose them. Ask questions. And last: READ BOOKS. I often hear applicants get asked: “what was the last book you read?” If you have a good answer or it’s a book they also read, you just connected. Don’t have any answer? That loud noise is dead air. Read these two recent posts for book suggestions: Book Suggestions 1 and Book Suggestions 2.
Start with the best. The best firms usually have the best employee development. Research the best firms and brokers in your market. This will help you assess the variety of firms and will also be helpful in finding the best personal fit. One firm might be more entrepreneurial than others for the person who seeks a “jack-of-all-trades” role. Some are more specialized and structured. Fit is crucial. If you are an introverted analytical type who gets an offer for an extroverted cold-calling position it could be a waste of your time and theirs. Some people are talented enough to learn and master skill sets, but if it goes against your basic wiring, it is less likely to be sustainable.
Give good phone. Here’s the reality, to get in the door and to land that first job (or to get started in any sales career) you must be able to make calls – even if it’s only for a probationary period. There are several books and recordings: Cold Calling Techniques by Shiffman is a good start. There is a generation of people who grew up without widespread use of the telephone. Get comfortable using one or the generation that did grow up with phones, will have a hard time connecting with you.
Get skills. If you want to join an investment sales team then proficiency in Argus will give you a head start. The more you know, the more value you’ll be to the team. Excel masters – like pivot tables and macros – are valuable (Pryor). Being a social media guru can open doors. If you can help your broker trend on LinkedIn they might make you a partner. This is a unique skill set a young professional can bring to the table. Did you get a sales associate license before needing one? Are you LEED certified? Have you taken a CCIM 101? Show that you want the opportunity and are committed to a career in CRE.
Follow Up. Once you’ve interviewed, be sure to follow up. I have colleagues who won’t even consider hiring the best candidate they ever met if there is no professional follow up. For many of us who are conducting an interview, we are testing your ability to interact with a potential client. If you don’t follow up with the person who would hire you, will you follow up with the client who may someday potentially hire us? | 2019-04-25T18:34:00 | https://www.crexi.com/web/blog/want-break-commercial-real-estate/ |
Raise your hand if you know how to ask a question about one of your Bondora loans in Estonian or its close relative, Finnish?
Fortunately you don’t have to. Fifteen countries including the UK, Germany, France and the US all have a local number you can call and talk to someone about your account. Language options are Estonian or English.
Bondora now has phone support for Customer Service.
Tallinn Estonia, where Bondora has its headquarters, is in GMT+2 or when it’s 9PM in Tallinn it’s 2PM in New York (GMT-5). Online investing can be tricky sometimes and you might need to talk someone even when they speak a different language from you. And they might be 5 time zones away from you too.
All these time zones and languages make doing Customer Service really tough, yet sometimes you need to talk and email just won’t do. If email will help answer your question then there’s great email support at [email protected] and a whole English language support site at support.bondora.com. It’s the best support site for a p2p lending site in Europe outside of London.
During Monday through Friday from 9AM to 5PM Tallinn time, you can reach someone by phone to talk about your Account or any other questions you may have for us. Do you want to know more about how peer to peer lending works? Maybe you have a question about a specific loan? Or Features? Or how to invest money on the platform?
For those on the Continent like in Berlin or Paris that means 8AM to 4PM and for you Brits that means 7AM to 3PM your time.
So call the Estonia number and you get Estonian and all the other numbers you can ask your questions in English and get someone like Oliver to help you navigate the site easily and profitably. | 2019-04-19T22:45:11 | https://www.bondora.com/blog/now-can-get-bondora-questions-answered-english-15-countries-across-9-time-zones/ |
We're always available to answer your questions, give us a call!
If you're on the move, you can access our site wherever, whenever.
We'll post your item straight away! No waiting about.
“Bid Slip” means the slip to be completed by a potential buyer prior to participating in an auction in conjunction with Registration.
“Buyer” shall mean the maker of the highest bid accepted by OBZOLETE.COM LTD whether on the fall of the hammer (when the Hammer Price is achieved) or by private treaty sale.
“Buyer Premium” refers to the premium of between 10% and 15% (as specified in the Important Notes) which is incurred on the Hammer Price of all Lots unless stated otherwise.
“Commission Bids” refers to any proxy bidding taking place in relation to any given auction as notified to OBZOLETE.COM LTD, including any proxy bids received up to 15 minutes before the relevant auction.
“Defaulter’s Entry Fee” means the fee of £130 to be charged to the relevant party in the case of any Lot having to be re-auctioned otherwise than due to a fault of OBZOLETE.COM LTD.
“Deposit” means the cash (or as otherwise agreed) deposit paid by the potential buyer upon Registration of either £200 or £500 as notified by OBZOLETE.COM LTD in the Important Notes.
“Hammer Price” shall mean the highest bid accepted by OBZOLETE.COM LTD including any VAT that may be included therein.
“OBZOLETE.COM LTD” means Obzolete.com Ltd and Sons Limited including but not limited to OBZOLETE.COM LTD who have the conduct of auctions from the rostrum and/or any other authorised representative thereof.
“Premises” means the premises in which the (OBZOLETE.COM LTD) auction is taking place, and, where relevant, the location where the individual Lot and/or Lots under the control of OBZOLETE.COM LTD are stored.
(iii) The completion and submission of the Bid Slip.
“Working Day” means any day that OBZOLETE.COM LTD is open to the public for business.
1.2 The headings of the Terms do not form part of the Terms.
1.3 Save in the context of any online auctions held by OBZOLETE.COM LTD where reference to writing will include reference to email, writing or written does not include faxes and e-mail unless otherwise notified by OBZOLETE.COM LTD.
1.4 If any of these Terms are inconsistent with any term of the Important Notes, the Important Notes shall prevail.
1.5 All entries of Goods and the subsequent sale and purchases of Lots (whether at a public auction or via an online auction) are subject to these Terms.
1.6 All Buyers and Sellers acknowledge and agree that these Terms are binding upon them, and by the Buyers completing Registration, and OBZOLETE.COM LTD accepting the Sellers’ Good(s) for auction, these Terms are deemed accepted and incorporated into all dealings as between the relevant parties.
2.1 OBZOLETE.COM LTD sell as agents for the Seller and as such are not responsible for any default by Seller.
2.2.4 all other relevant certificates pertaining to the Good(s) which the Seller is reasonably able to produce upon request.
2.3 Unless otherwise agreed, notwithstanding the production of the items listed in clause 2.2 above, OBZOLETE.COM LTD has the right to refuse entry of any Good(s) into auction, and to set the entry fee at a reasonable amount deemed appropriate by OBZOLETE.COM LTD.
2.4.3 every representation made by the Seller (in any form) about the Good(s) is wholly accurate and informed, and the Seller acknowledges that such representations will be relied upon by OBZOLETE.COM LTD and the Buyer.
2.5 The Seller will indemnify OBZOLETE.COM LTD, their servants and agents and the Buyer against any loss or damage suffered by them in consequence of any breach of the warranties set out in clause 2.4 above on the part of the Seller.
2.6 Unless previously agreed in writing, OBZOLETE.COM LTD shall remit the proceeds of the sale to the Seller not later than one month after the auction, and following the relevant deductions.
2.7 Where a Seller cancels instructions for auction of a Lot, OBZOLETE.COM LTD reserves the right to charge the Defaulter’s Entry Fee plus 5% of OBZOLETE.COM LTD’ latest estimate of the auction price of the Lot withdrawn (plus VAT where applicable).
2.8.2 Within 4 Working Days of notification, then OBZOLETE.COM LTD will have the right to sell the Lot at public auction without reserve and to deduct from the Hammer Price any sum owing to OBZOLETE.COM LTD including removal, storage and insurance expenses, the entry fee in respect of the first auction (together with any VAT chargeable thereon), a Defaulter’s Entry Fee, commission on the second auction and all other reasonable expenses before remitting the balance to the Seller.
3.1 All Lots are sold ‘as they lie’ with all faults and imperfections and errors of description. Illustrations in catalogues, digital displays or brochures are for identification only. Buyers should satisfy themselves prior to sale as to the condition of each Lot and should exercise and rely on their own judgment as to whether the Lot accords with its description.
3.2 No warranty (written or oral) or other term (whether express or implied and whether implied by statute, common law, custom or otherwise) as to the age, correctness of any description, suitability, fitness for purpose, or satisfactory quality of the Lot is given by OBZOLETE.COM LTD, their servants or agents or by any Seller to any Buyer in respect of any lot, and any express or implied conditions or warranties are excluded to the fullest extent permitted by law. For the avoidance of doubt, the Lots are not sold by sample, and the Buyer shall be deemed to have inspected the Lot(s) he/she buys.
3.3 Except in respect of the Important Notes, no oral or written representation made prior to or at the time of sale of any Lot shall be deemed to be incorporated into such sale nor to have induced any potential buyer to bid.
3.4 Buyers buy Lots where they lie and are wholly responsible to bring any necessary labour and equipment in order to remove their Lot(s) and shall comply with any directions which may be given by OBZOLETE.COM LTD as to the safe removal of the Lot(s) and in giving due care to other Lots on the Premises and the Premises itself.
3.6.2 The Buyer completes Registration.
3.6 OBZOLETE.COM LTD has the right to revise and amend these Terms from time to time to reflect changes in market conditions affecting its business, changes in technology, changes in payment methods, changes in relevant laws and regulatory requirements and changes in various systems’ capabilities. Buyers and Sellers will be subject to the policies and terms in force at the time these Terms become binding in accordance with clause 3.5 above.
3.7 The Buyer acknowledges that a sale by auction IS NOT a consumer sale for the purposes of the Sale of Goods Act 1979 (as amended by the Sale and Supply of Goods Act 1994) and the Unfair Contract Terms Act 1977 / 1999 Regulations and the Buyer shall not seek to rely upon any conditions or warranties implied thereby or by any other legislation. All lots are Sold as Seen with no grading or guarantees and can include used items, salvage, raw returns, ex-display, repossessed and seized goods.
4.1 The title in the Lot shall not pass to the Buyer until the Hammer Price and the Buyer Premium have been paid to OBZOLETE.COM LTD (and have been received in full and cleared funds) and any other instrument tendered in payment has been cleared. Until title passes, and subject to clause 7.1 below, OBZOLETE.COM LTD reserves the right to dispose of the Lot in accordance with clause 2.8 above.
4.2 From the delivery of a Lot to the Premises until the Hammer Price in respect of a Lot is reached or the Lot is removed by the Seller (including any time during which the Lot is being tested or demonstrated on the auction premises, or elsewhere) the Lot is at the risk of the Seller, and neither OBZOLETE.COM LTD nor its servants or agents will be responsible for any loss or damage whether caused by negligence or otherwise.
4.3 From the time when a Hammer Price is reached in respect of a Lot, a Lot is deemed sold, and notwithstanding clause 4.1 above, it is at the risk of the Buyer from that point onwards.
5.1 Without prejudice to any other of their rights set out in these Terms, OBZOLETE.COM LTD has absolute discretion without giving any reason to refuse any bid, to withdraw any Lot before the hammer falls, to divide any Lot, to combine any two or more Lots, or to withdraw any Lot and/or Lots from the auction. OBZOLETE.COM LTD is not bound to accept any offer.
before they will be admitted to participate in any auction.
5.3 The contract of sale between the Seller and a Buyer will be formed once the Hammer Price has been achieved, at which point the Lot shall be deemed sold subject to the provisions of clause 4.1 above.
5.4 For the avoidance of doubt, the parties to the contract of sale of the Lot are the Buyer and the Seller. OBZOLETE.COM LTD is not a party to the contract of sale and is not liable for any breach thereof by either the Buyer or the Seller.
5.5 Immediately after the achievement of the Hammer Price the terms of clause 6 below shall apply.
5.6 If a potential buyer is unsuccessful in achieving the Hammer Price, they may recover their Deposit from OBZOLETE.COM LTD or, they may request in writing that OBZOLETE.COM LTD keep the Deposit against future auctions which the potential buyer may participate in, and make them a registered ‘regular customer’ of OBZOLETE.COM LTD provided they adhere to bi-annual requests for identification.
5.7 Any disputes in relation to the bidding, or following the attainment of the Hammer Price in relation to what bids were made by who shall be referred to OBZOLETE.COM LTD for decision. For the avoidance of doubt, OBZOLETE.COM LTD shall have absolute discretion to cancel the contract of sale and to re-auction the Lot (which is the subject of any dispute) either during the same or a subsequent auction, and, in all cases, OBZOLETE.COM LTD’ decision in respect of any such dispute (for which no justification or reasons shall be required) will be final.
5.8 In the event that OBZOLETE.COM LTD exercises the discretion to cancel the contract referred to at clause 5.3 above, neither the original Buyer nor the Seller shall be entitled to rely on the original contract of sale for any purpose whatsoever save that the Buyer shall be entitled to the return of any deposit or other money which he may have paid under the original contract.
5.9 Every bidder shall be deemed to act as principal unless there is in force a written acknowledgment by OBZOLETE.COM LTD that he acts as agent on behalf of a named principal.
5.10 OBZOLETE.COM LTD shall not in any circumstances be obliged to announce any reserve price.
5.11 OBZOLETE.COM LTD reserves the right to turn away any potential sellers and/or buyers who do not present appropriate identification upon reasonable request.
5.12 Persons attend auctions at their own risk.
5.13.2 In the event of a third party proving to have a superior title or right to custody or possession of any Lot OBZOLETE.COM LTD may rescind the contract of sale and upon return of any Deposit and/or Hammer Price to the Buyer, neither the Seller nor OBZOLETE.COM LTD shall be under any further liability to the Buyer.
5.14 OBZOLETE.COM LTD shall have the right, at its discretion, to refuse admission to the Premises or attendance at the auctions by any person.
5.15 The Important Notes and these Terms will be made available to potential buyers on OBZOLETE.COM LTD website, in the relevant catalogue, on request, and will be on display at the Premises.
6.1 Immediately following the achievement of the Hammer Price, the Buyer shall attend the relevant clerk and/or follow the appropriate process as notified to the Buyer by OBZOLETE.COM LTD and pay the Hammer Price (plus VAT where relevant), and the Buyer Premium (plus VAT where applicable). If the Buyer fails to do so by 5 pm on the next Working Day, or such other time as is specified in the Important Notes, OBZOLETE.COM LTD shall have an absolute discretion to cancel the contract of sale, to retain the Deposit, and the terms of clause 8.1 below will apply.
6.2 All required payments will be settled in full and before removal of the Lot is permitted and will be in sterling (GBP) by way of CHAPS, Bankers Draft, Debit Cards, Cash (up to £5000 per Buyer) or as otherwise specified in the Important Notes or directly by OBZOLETE.COM LTD. All queries in relation to methods of payment must be made to OBZOLETE.COM LTD accounts department and unless otherwise agreed by OBZOLETE.COM LTD, the timing required under these Terms for payment is of the essence, and will under no circumstances be adjusted further to a failure on the part of the Buyer to make the necessary enquiries and preparations in order to pay the Hammer Price.
6.3 In respect of telegraphic transfers, the remitting bank must include the bidding number (listed on the Bid Slip), the invoice number, and any other reference as shown in the Important Notes, or as otherwise directed by OBZOLETE.COM LTD.
6.4 All bankers’ drafts will be confirmed with the drawn bank prior to acceptance.
Buyers must provide full details of the drawn bank including branch, contact name and telephone number.
6.5 Bankers Drafts can only be accepted for payment up to 4.00pm, Monday to Thursday – after this time collection will be deferred to the next Working Day.
6.6 All Lots are sold exclusive of VAT which will be added to the Hammer Price at the prevailing rate (if applicable).
6.7 All Lots must be paid for in accordance with clause 6.1 above, and must be removed no later than the time specified in the Important Notes.
6.8.11 specific detail relating to the particular auction.
6.9 OBZOLETE.COM LTD will charge a “Buyer Premium” on all Lots on the purchase price of the Lot plus VAT. The Buyer Premium will be set out in the Important Notes, and will be a percentage of the Hammer Price which will be charged to the Buyer.
6.10 OBZOLETE.COM LTD is entitled to deduct the relevant fees from the Hammer Price (plus any VAT chargeable thereon) in respect of each Lot (which may, for the avoidance of doubt, include any commission due, the entry fee due (if not already paid) and any other previously notified fees chargeable), before remitting the proceeds to the Seller.
6.12.4 if the Seller becomes the Buyer.
6.13.2 OBZOLETE.COM LTD will be entitled to deduct from any payment due to the Seller, any amounts owed by the Seller to OBZOLETE.COM LTD which OBZOLETE.COM LTD has obtained prior consent from the Seller to so deduct.
7.1 The Buyer shall at his own expense and risk take away the Lot(s) purchased not later than 5pm the following Working Day after the relevant auction in which the Lot was purchased has concluded, unless otherwise stated in the Important Notes (but in any event not before payment to OBZOLETE.COM LTD in accordance with clause 6 above). If the Buyer fails to do so, the provisions of clause 8.2 below will apply.
7.2 The Buyer shall fully indemnify and keep indemnified OBZOLETE.COM LTD in the event of any damage or loss caused and/or occasioned to any adjoining or other Lots or to the Premises by their removal of the Lots.
7.3 The Buyer shall be responsible for any injury to and/or death of any person resulting from the removal of his Lot(s) and shall fully indemnify and keep indemnified, OBZOLETE.COM LTD against any such liability whether or not such injury and/or death was caused by the negligence of the Buyer, his employees or agents.
7.4 In accordance with clause 4.3 above, the Buyer will be responsible for loss or damage to the Lots purchased from notification of successful bid and neither OBZOLETE.COM LTD nor its servants or agents shall afterwards be responsible for any loss or damage of any kind, whether caused by negligence or otherwise, while any Lot is in their custody or under their control.
7.5 OBZOLETE.COM LTD will not be liable under Section 6 of the Health and Safety Act 1974, and if required to do so by OBZOLETE.COM LTD the Buyer will provide a written undertaking (in a form acceptable to OBZOLETE.COM LTD) to comply with all duties and obligations in respect of the Lot by the Health and Safety at Work Act 1974, any subsequent modification or re-enactment of either Act or by any other legislation affecting the use of the Lot. OBZOLETE.COM LTD may cancel the contract the contract of sale if the Buyer fails to provide such an undertaking upon request. In this event, OBZOLETE.COM LTD will be entitled to re-auction the Lot at any time.
7.6 The Buyer shall be responsible for any damage occasioned to any adjoining or other Lots or to the Premises by the removal of their Lot(s) and shall repair the same either before removal of the Lots from the Premises or after such removal as OBZOLETE.COM LTD may desire or shall pay the estimated cost of doing so to be fixed by OBZOLETE.COM LTD whose decision shall be binding on the Buyer.
7.7 Neither the Seller nor OBZOLETE.COM LTD shall be under any liability pursuant to section 6 of the Health and Safety Act 1974 and the Buyer’s attention is drawn to the undertaking given on each Bid Slip at the sale by which the Buyer undertakes to take such reasonable and practical steps as are sufficient to ensure that his purchase will be safe and without risk to health and safety when properly used.
8.1.8 to apply any proceeds of sale then due or at any time afterwards becoming due to the defaulting Buyer towards settlement of the Hammer Price and to exercise a lien on any property of the defaulting Buyer which is in OBZOLETE.COM LTD possession for any purpose.
8.2.4 for every calendar day following the day on which the Lot(s) should have been collected from the Premises by the Buyer, the Buyer will incur a daily storage charge of £5 plus VAT per Lot stored without exception, and such charge will continue to accrue notwithstanding the transfer of any Lot to an alternative premises by OBZOLETE.COM LTD (and for the avoidance of doubt, OBZOLETE.COM LTD will deduct such charge from the Deposit).
(Together with any VAT chargeable).
8.4 The balance of the re-sale price, if any, shall be paid to the original Buyer if title in the Lot has passed to him but shall otherwise be paid to the original Seller or, where the Seller’s rights have been transferred to OBZOLETE.COM LTD, shall be retained by OBZOLETE.COM LTD. The original Buyer will remain liable to OBZOLETE.COM LTD and/or the Seller subsequent to the re-sale, save where the proceeds of the re-sale have discharged such liability.
9.1 OBZOLETE.COM LTD will only use the personal information provided to them to provide the auction services, or to inform Buyers and Seller about similar services which they provide, unless told by such parties that they do not want to receive this information by ticking the ‘opt out’ box on the Bid Slip, or by ticking the relevant box on the relevant web page.
9.2 The Buyers and Sellers acknowledge and agree that OBZOLETE.COM LTD may pass their details to credit reference agencies.
9.3 Within this clause, “Data Protection Act” means the Data Protection Act 1998 and “Data Controller”, “Data Processor” and “Personal Data” have the same meanings as in that Act.
9.4 With respect to the parties’ rights and obligations under these Terms, such party shall be the Data Controller for information obtained in the course of the auction as permitted under these Terms. To the extent that the Buyer needs access to Personal Data relating to its receipt of the Lot, or a Seller needs access to Personal Data relating to its sale of the Lot, then OBZOLETE.COM LTD shall be the Data Controller and the Buyer (and/or Seller) shall be the Data Processor in respect of such Personal Data.
9.9 not perform its obligations hereunder or as otherwise set out in these conditions in such a way as to breach any of its applicable obligations under the Data Protection Act.
10.2 If or to the extent that any of these Terms (as amended from time to time in writing by OBZOLETE.COM LTD) are Terms to which any of the provisions of the Unfair Contract Terms Act 1977 or the Supply of Goods and Services Act 1982 or any subsequent modification or re-enactment thereof apply then such Terms shall be enforceable only to the extent permitted by those Acts or their subsequent modification or re-enactment and these Terms shall be construed accordingly.
10.3 If OBZOLETE.COM LTD fails, at any time while these Terms are in force, to insist that the Seller and/or Buyer perform their obligations under these Terms, or if OBZOLETE.COM LTD does not exercise any of its rights or remedies under these Terms, that will not mean that OBZOLETE.COM LTD has waived such rights or remedies and will not mean that the Seller and/or Buyer does not have to comply with those obligations. If OBZOLETE.COM LTD do waive a default by the Seller and/or Buyer that will not mean that OBZOLETE.COM LTD will automatically waive any subsequent default by the Seller and/or Buyer. No waiver by OBZOLETE.COM LTD of any of these Terms shall be effective unless OBZOLETE.COM LTD expressly says that it is a waiver and OBZOLETE.COM LTD tells the Buyer and Seller so in writing.
10.4 A person who is not party to these Terms shall not have any rights under or in connection with them under the Contracts (Rights of Third Parties) Act 1999.
10.5 Lots in our auctions that have been physically de-branded/de-badged are to remain de-branded. No original trademarks, web images, vendor/clients logos or other intellectual property may be copied or used by the winning bidder without prior written consent. Any customers in breach risk permanent exclusion from auctions and salerooms.
10.6 These Terms shall be governed by Scottish law and OBZOLETE.COM LTD, the Seller and the Buyer all agree to the exclusive jurisdiction of the Scottish courts.
11.1 Subject to the following clauses which have precedence over the Terms above, the provisions of all Terms above apply to the sale of Lots made through www.obzolete.com (the “Website”), and to the extent that such adjustments in practical application of the Terms are warranted by virtue of the electronic medium of participation in any given auction, so such adjustments shall be deemed made so to give full application to all relevant and applicable Terms.
11.2 All participants in the Website auctions warrant that they are legally capable of entering into binding contracts, and are of the legal age required to purchase any relevant Good(s).
11.3 Any reference in the above Terms to the Buyer Premium will also, for the purposes of sale/purchases over the Website, include any online Buyer’s fees of which the Buyer will be so notified at the time of Registration. | 2019-04-22T13:06:20 | http://www.obzolete.com/Goods-Auction-Terms-and-Conditions |
We all know that poetry changes human lives--but what about the lives of our furry best friends? Keep reading to find out how you can use your words to save an animal’s life.
From Abuse and Abandonment to Adoption: Each year in the U.S., 6 to 8 million animals are abandoned, lost, or abused and enter animal shelters. Unfortunately, about half of these animals are not adopted in a sufficient amount of time and must be euthanized. Another 1 million animals are killed in domestic homes each year and don’t even have the opportunity to make it to a shelter. But YOU can change these statistics and use your poetry to help adopt an animal.
Know the Signs: Animal cruelty is when a person purposefully harms and animal either physically or by taking away their resources for living like food and water. An animal is abused every 10 seconds. If you can locate the signs of an animal in trouble, you can help put an end to animal cruelty. Just because an animal seems angry or afraid doesn’t necessarily mean it’s being abused (animals have their bad days, just like humans do!). Instead, be on the lookout for specific physical signs and environmental signs of abuse.
Report and Reveal: Say something if you see something and you could save an animal’s life. If you suspect an animal has been mistreated, be ready to submit a written report to the ASPCA about what you’ve observed. This report should also include pictures of the animal(s) you think are being abused and the environment they are being kept in as evidence. This written report is just one example of how words have the power to save a life.
Spread the Word and Slam: Use your voice to spread awareness about animal cruelty and the benefits of shelters by holding a pet adoption poetry slam. Write a poem about why adopting pets from shelters is so important, or put yourself in a future furry friend’s shoes (er...paws) and write about their experience in an abusive home or the journey to a shelter. You can also write a poem to help educate others about the proper ways to care for animals, like making sure you are feeding them the rights foods and helping them get enough exercise.
Be a Hero: To a pet, that is. Hop on a pet adoption site to find your local shelter and a pet who has been abandoned or abused and is just waiting to be welcomed into your home. Then write a poem about how great it feels to save an animal’s life and care for them. Share your poem about your newfound friendship on your shelter’s site to inspire others to adopt and be heroes too.
Make Your Mark With Multimedia: Show the world how much you care about your pet(s) by combining your poem with multimedia. Maybe take a picture at each stage of your relationship with your pet (e.g. their listing on your shelter’s website, when you first met them, taking them home, etc.) and set those pictures to a voice recording of your poem. Or, make a video of yourself reading the poem to your pet (if they have a long enough attention span to sit and listen!).
Power Poetry: Whatever form you choose to share your poem, post it on PowerPoetry.org to inform other poets about how stand up for animal rights and be a hero for a pet in need! | 2019-04-21T18:03:03 | https://www.powerpoetry.org/actions/stand-animal-rights-7-steps |
Developed in 1993, the Institutional Voting Information Service (IVIS) is one of the UK's leading providers of corporate governance research.
The service has developed from the low key, proactive, but non-confrontational approach to corporate governance adopted by the ABI. Following the merger of the ABI's Investment Affairs division with the IMA in June 2014, IVIS is now part of The Investment Association.
Our job is to analyse each Annual Reports and Notice of Meetings in detail and identify the key issues. This allows IVIS subscribers to focus on the issues which are important.
IVIS Reports are designed to be quick and easy to read. This saves IVIS subscribers time, allowing them to concentrate on the key issues. | 2019-04-23T06:34:56 | https://www.ivis.co.uk/ |
Master Design Furniture is one of the design ideas that you can use to reference your Other. There are a few images that have been published on August 20, 2018, which you can use as a consideration in the article Gallery of Master Design Furniture.
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Master Design Furniture this possible during your search, you are not wrong to come visit the web oiola.com. Master Design Furniture is one of the pictures contained in the category of Other and many more images contained in that category. Published by admin on . for personal use only. | 2019-04-26T05:59:57 | http://www.oiola.com/83633/master-design-furniture/ |
The Georges P. Vanier Vipers’ junior basketball teams hosted their Prairie River Junior High Raiders’ counterparts in the afternoon of December 5.
Both local teams lost their games, with the PRJH boys’ team winning by a score of 55-40, and their girls’ team won by a whopping 52-40.
Below are some action photos of that game, as well as videos of the fourth quarter of each game, respectively.
Look for more photos of the action in the December 12 edition of the Smoky River Express, as well as photos of all the junior and senior teams in the same edition. | 2019-04-24T20:38:45 | http://smokyriverexpress.com/prjh-raiders-hand-the-gpv-vipers-two-defeats/ |
Houston — The winter storm moving across the US Midwest into the Northeast will help to boost coal burn across the region in the short term, but won't lead to new spot deals, utility fuel buyers told said Monday.
Warm temperatures, reduced power demand and low natural gas prices have mostly erased the near-term market this year, sources said, and the late cold employ outages at coal units as the spring shoulder season begins. More coal plants offline now means gas will make up more of the increase in power demand.
"We'll certainly be running a harder than we thought for the next few weeks, and that'll keep the coal moving, but it won't lead to any new purchases," one Illinois Basin and Northern Appalachian utility fuel buyer said. "This is the coal we thought we'd be burning in February that we're now burning in March."
The National Weather Service on Monday issued winter weather advisories from eastern Iowa through western Pennsylvania and a winter storm warning from northern Virginia northeast through Maine. Blizzard conditions are expected throughout the Northeast starting Tuesday, with more than a foot of snowfall likely from eastern Pennsylvania to southern New England.
"We'll burn more coal for a week or two than we planned, but the effects will overall be pretty minimal," a Powder River Basin and Central Appalachian utility coal buyer said. "The biggest effect will be the weather driving up the price of natural gas. That helps, though it's not looking like a good year for coal burn. Our opinion hasn't changed there."
The Henry Hub natural gas front-month futures contract neared $3.40/MMBtu in January then fell to as low as $2.564/MMBtu on February 21. Pricing, though, has shown more rapid strengthening in the last week and the contract gained 3.5 cents Monday to settle at $3.043/MMBtu.
"Our plan is to see where gas prices fill out after this winter before thinking about coal purchases," the IB/NAPP buyer said. "When you run your burn model at $3.40 gas and $2.60 gas, you see a vast difference in what your coal needs will be." | 2019-04-21T18:42:41 | https://www.spglobal.com/platts/en/market-insights/latest-news/coal/031317-late-winter-storm-a-positive-for-coal-but-not-a-market-boon-fuel-buyers |
We are committed to on-time, error-free delivery of all products and services.
We establish a clear understanding of all requirements before starting any project by carefully listening to our customers and our employees. Then we do precisely what we have agreed upon.
Loy-Lange Box Company is committed to continually improving our service, quality, and in turn our customer’s satisfaction. Loy-Lange Box Company believes our success and our customer’s success are directly linked. This will only be achieved when we work in unison with our customers to help achieve their business goals.
Our philosophy continues to be that the quality of our products is the responsibility of every employee of the company.
The effectiveness of our quality system is regularly audited, measured and reviewed to facilitate continuous improvement. | 2019-04-25T01:58:20 | http://loylangebox.com/quality.html |
My son was getting a flat spot on his head at four months old. We did not want him to have to wear a helmet so we tried this pillow. It worked like a dream, we noticed results within the first couple weeks and now, at seven months, you would never know that there was an issue. This is going to be my go-to shower gift from now on. | 2019-04-20T09:10:35 | https://www.babymoonllc.com/customer-reviews/buy-this-now-for-you-and-every-parent-you-know |
It was a dark and stormy night. Red was on her way to Granny’s house for a visit. The woods were darker and scarier than usual and the trees made Red feel as if they were closing in on her. She could see Granny’s cabin in the gloomy distance and could just make out a fire crackling through the window. When she finally arrived she went in and Granny was nowhere to be found. She cried out to her, “Granny where are you?” The only response Red got was the most evil sounding growl she had ever heard…What happened next? The only way to find out is for you to come and see for yourself.Be warned, not all fairy tales have a happy ending.
View more of our our previous haunts! | 2019-04-20T08:12:30 | http://scaredstiffproductions.com/wppg_photogallery/2014-scary-tales/ |
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Get the SCdO App here for Android!
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Thanks for liking my site enough to download! | 2019-04-20T23:03:32 | https://samuelcummings.org/get-the-scdo-app/ |
UFO SIGHTINGS DAILY: Godly Sign In Sunset Sends Message Of Caring, March 2017, Video, UFO Sighting News.
Godly Sign In Sunset Sends Message Of Caring, March 2017, Video, UFO Sighting News.
This sunset photo looks like a giant hand reaching up. Its easy to take it as a sign since the outreached hand is often a sign of helping out others...a sign of love, caring and friendship. Since the abilities of angels and some aliens are in essence equal, its comes to reason that one can be the other, but this sign was meant for someone out there. It has purpose to it.
This is a great find by Youtuber MrMBB333. | 2019-04-24T02:45:42 | https://www.ufosightingsdaily.com/2017/03/godly-sign-in-sunset-sends-message-of.html |
Home / Why is Patient Confidentiality so Important?
Why is Patient Confidentiality so Important?
Imagine if the person you trusted most decided to share all of your secrets with your worst enemy? You probably wouldn’t ever trust that person again. It might even make you stop trusting people altogether. That idea of trust is at the foundation of your medical care and why patient confidentially is so important.
When you believe that your doctor isn’t going to share anything about your health, illnesses or personal habits with others, you’re more likely to be completely honest. And that’s really important for the effective treatment of whatever illness or injury you have. The more details you provide to your doctors, the more they’ll be able to figure out what’s going on and help you get better.
Some diseases have stigmas attached to them that could make people think less of you. For example, back in the 1980s, many people who had symptoms of HIV and AIDS were afraid of being found out. They didn’t go to their doctors until it was too late. Because you know your health records are private, you’re probably more likely to seek treatment –for whatever you have.
As unfair as it sounds, some people will judge you by a condition or illness. Patient confidentiality makes sure that their ignorance can’t harm you. Whether it’s an employer, insurer, friend or family member, you should be the one to decide who knows what about your medical history.
Did you know that patient confidentiality doesn’t just help you the individual? It can help the whole country! When people are confident that what they say to healthcare professionals is private, they’re more likely to participate in studies and healthcare initiatives. That helps fight disease and lessen the spread of epidemics.
Patient confidentiality isn’t just a good idea; it’s the law. Under the Health Insurance Portability and Accountability Act (HIPAA), your medical records and other health information you provide to healthcare professionals and facilities, and insurers is privileged information. They cannot share it without your consent, unless the safety and welfare of others is at stake. Patient confidentiality is at the heart of the American Healthcare system.
Have you ever considered a career in healthcare? Healthcare is a 3 trillion dollar industry expected to grow into the future. If you’d like to be a part of a rewarding profession, check out a few of the career paths you might take with training from Charter College. Are you ready to change your future for the better? Let us help! | 2019-04-19T07:11:48 | https://www.chartercollege.edu/news-hub/why-patient-confidentiality-so-important |
Below you will find support and training material for the various components of the NSW Trauma Registry.
Note: These materials are securely hosted and are available only to currently authorised users of the NSW Trauma Registry system.
Report Writer is the reporting tool to obtain information recorded in the NSW Trauma Registry.
Collector is the data entry application that records information for each trauma patient in the NSW Trauma Registry. | 2019-04-24T18:51:40 | https://www.aci.health.nsw.gov.au/get-involved/institute-of-trauma-and-injury-management/Data/support_material_for_nsw_trauma_registry_users |
REDUCED! Free Standing Villa! Tucked at the end of a dead end road, this rarely available FREE STANDING villa is move-in ready and waiting for you. Brand new HVAC system, wood laminate floors throughout, new interior paint, new granite-look kitchen counters, stainless steel appliances, and some updates in both bathrooms, new fans, lighting, new carpet in the Florida Rm. This unit is updated and ready to go. Strathmore Riverside is located just a stone's throw from Siesta Key, and convenient to Gulf Gate shopping, restaurants and activity. Very active 55+ community with lots of events, and even the opportunity to dock your boat for only $20/month (subject to availability). With heated community pool, fitness center, sauna, and recreation center, Strathmore is one of the best kept secrets in Sarasota for 55+! | 2019-04-20T03:22:36 | https://www.bradentonbroker.com/mls/listing/mfr/A4416283/Sarasota/2332-Waterbluff-Place |
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For those wanting to redo their back garden or obtain some stable hardwood Recommended Reading for woodworking uses, applied railway sleepers can like it be a super preference.
It is actually very important to choose an outstanding small business, that has a great deal of come upon and recognizes all by far the most current approaches to perform increased rankings. You should make certain that the company is duly registered with regulatory authorities and has the many licenses. Go and spend a drop by and request them all the matters and make them know your prerequisites and necessities. | 2019-04-19T01:20:25 | http://chadwick37c.hatenablog.com/entry/2015/06/24/023052 |
Check out this Amazing game !
Super Baby Pug Run is a Running Game . The Game required mad skill to avoid crazy spiders and deadly snake ! | 2019-04-19T20:41:18 | http://www.apppicker.com/apps/796410563/super-baby-pug-run-hd--best-animal-racing-game-for-kid |
The FDA and SIMD have an agreement to constitute a Network of Experts to permit our members to have input in consultation on specific topics involving metabolic disorders.
If you are intersted, please complete the information below.
Notes: (1) There is no payment involved for experts who take part, but it is valuable service which could enhance one's CV, (2) There are limits to the number of experts who can be involved, so please understand if your involvement needs to be delayed, and (3) Please be patient while we organize the team(s).
Please complete the following information and we will contact you when the program is organized. | 2019-04-22T04:03:06 | https://simd.org/NetworkOfExperts/NetworkOfExpertsInterest.php |
I Wanna Be The Guy was added by Reprotected in Jul 2011 and the latest update was made in Apr 2019. The list of alternatives was updated Aug 2018 There is a history of all activites on I Wanna Be The Guy in our Activity Log. It's possible to update the information on I Wanna Be The Guy or report it as discontinued, duplicated or spam.
Alternatives to I Wanna Be The Guy for Windows, Mac, Linux, iPhone, Android and more. Filter by license to discover only free or Open Source alternatives. This list contains a total of 22 apps similar to I Wanna Be The Guy.
Maybe you want to be the first to submit a comment about I Wanna Be The Guy? Just click the button up to your right! | 2019-04-23T08:48:24 | https://alternativeto.net/software/i-wanna-be-the-guy/ |
"Cracking the Chinese Puzzles" ?
what is the chinese character for PEAK?
放洩阀 ??? mixed traditional and simplified characters?
Is anyone familiar with ancient chinese script and meanings?
What are the proper Characters for??
From traditional to simplified help please.
Chinese Characters: Proof of God's Existence?
Why do we learn Chinese Characters if we hate them? | 2019-04-22T00:39:02 | https://www.chinese-forums.com/forums/forum/41-chinese-characters/page/23/?sortby=last_post&sortdirection=desc |
Mrs Judith Adomako-Ofosua, the Mfantseman Municipal Director of the National Commission for Civic Education (NCCE), has urged Metropolitan Municipal and District Assemblies (MMDSs) to be more transparent and accountable to people.
She said Assemblies must open up to the citizenry and their stakeholders on the processes of developmental projects to erase misconceptions and possible accusations of corruption with their work.
Transparency, accountability and participation, were key tenets of good governance, especially at the local level, where the people were affected directly by government policies, programmes and decisions, she explained.
Mrs Adomako-Ofosua, gave the advice at a town hall meeting organised by the Anomabo Parish Justice for Peace Committee (PJPC) in collaboration with the Municipal Assembly at Anomabo-Taido on Thursday.
Themed, “Community participation in local governance for rapid development”, various speakers at the forum educated the participants on the Assembly’s interventions to speed-up development and in turn, received suggestions and answered questions from the people.
The engagement among others brought together traditional and religious leaders, Assembly members, youth and women groups, professional bodies, media.
Mrs Adomako-Ofosua, said all the necessary information on the execution of any developmental project should be made available to the public, particularly the beneficiary communities right from the onset to ensure transparency and build trust between the public and the Assemblies.
The Assemblies must endeavour to account for every contract awarded so that the citizens know what their taxes were being use for to motivate them to honour their tax obligations.
She observed that lots of people often felt cheated for the lack of provision of the right and quality developmental projects and also did not understand the developmental processes because the Assemblies failed to make information available and accessible to them.
That notwithstanding, she encouraged them to be bold to report people for their corrupt and illicit deeds as part of their constitutionally mandated obligations to protect and safeguard national interest at all times.
“Don’t be intimidated by their political affiliation, financial status or fear of being terrorised and victimised. The NCCE, and it’s allied institutions are ready and determined to protect and reward to encourage and motivate others to emulate it,” she assured.
Mr Samuel Kittah, the Municipal Planning Officer, who represented the Municipal Chief Executive expressed the Assembly’s determined to go the extra mile to significantly improve the infrastructural development in the Municipality.
He outlined some infrastructural projects the Assembly had embarked on, especially; roads and schools and assured that all abandoned projects would be continued. | 2019-04-26T07:59:31 | https://www.ghanabusinessnews.com/2018/11/09/assemblies-must-be-transparent-and-accountable-to-the-people-ncce/ |
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The Historical Society of Dauphin County will host a panel discussion, exhibit, and book signing commemorating the 40th anniversary of the nuclear accident at Three Mile Island. The event will take place on March 23 at 1:00pm in the John Harris-Simon Cameron Mansion at 219 South Front Street, Harrisburg.
Highlighting the event will be a panel discussion, coordinated by Three Mile Island Alert, featuring former nuclear engineer and expert witness in the investigation of TMI Arnie Gunderson and journalist R.W. Swift. The discussion will focus on the events that unfolded at the state capitol in the days following the nuclear accident on March 28, 1979.
The event will also feature the opening of an exhibit jointly curated by HSDC and TMI Alert. The exhibit will feature photographs from HSDC’s Allied Pix Collection, samples of mutated plants from the Mary Stamos Collection (this collection is then headed to the Smithsonian Institution’s Natural History Museum’s Department of Botany) , and various Three Mile Island ephemera including publications, buttons, posters, t-shirts, and other mementos.
The event will also coincide with the release of Three Mile Island, authored by HSDC president Erik V. Fasick and published by Arcadia Publishing. The book features over 200 images sourced from the Allied Pix Collection, which focus on the nuclear accident, along with the protests and clean-up efforts that followed. A limited signed and numbered edition of 250 copies of the book, available exclusively through HSDC, will be available for purchase. | 2019-04-24T18:30:23 | http://dauphincountyhistory.org/2015/events/40th-anniversary-of-three-mile-island-accident-panel-discussion/ |
This classic beauty is from a US rep for high end French and Italian fabrics -- they are closing and selling off all of their amazing stock. I picked out my favorites. This one is a lovely quality Italian yarn dye stripe cotton shirting with gray ombre' stripes on a white background (PANTONE 18-0306, etc.). It is a light shirting weight with a very tight weave and a cottony drape, and the stripes go across the width. You can cut your garment in either direction, or a mix, to create a classic shirt with a modern, trendy edge. Perfect for mens' or ladies' shirting, etc. If you wish to hand or machine wash, please test first. Hang to dry. LAST PIECE, 1 yard. | 2019-04-22T14:26:50 | https://www.emmaonesock.com/fabrics/71004?catId=23§Id=105 |
Guys and Dolls is hailed as one of the greatest musicals of all time. A timeless New York Tale of gamblers, petty crooks, nightclub singers, as well as strait-laced missionaries, will delight and beguile you. Sky Masterson is the cool doyen of gamblers. His friend, the not quite down and out Nathan Detroit, makes a bet with him that he can’t get the pious and beautiful mission-doll, Sarah Brown, to go on a date with him to disreputable Havana. The Dice are rolled as these colourful characters pursue love and luck from the heart of Time’s Square to the sizzling clubs of Cuba. Will Lady Luck be on their side? This show has it all – glamour, fun, romance, dazzling dance numbers, stunning costumes and some of the greatest show tunes ever including Luck be a Lady, Sit Down You’re Rockin’ The Boat, I’ve Never Been In Love Before and Take Back Your Mink. | 2019-04-26T06:08:08 | http://roadmarktravel.co.uk/excursion/guys-dolls/ |
This is the fifth of 7 from our series The jrnalManifesto, leading up to our official launch on June 28th. We will be releasing a new part every other day, so watch this space!
jrnal was born out of frustration but it quickly became a passion. And that means our emotions are on the line, so I wanted to share the values that drive us.
And it is us — as I write, we are a team of 4, all fully engaged in creating something rooted in the energy of bringing ideas and people together.
We don’t see differences, we see individuals, character rather than caricature.
We believe there is no strict subculture, just culture!
We are unafraid of the outside world, and we are eager to learn about it. We will dig as far as possible, knowing that we may have as much in common with a young entrepreneur in Beirut as with our downstairs neighbor.
We are convinced that words, content and narratives can destroy the fear of what lies beyond our comfort zones.
Who we are goes far beyond skin color, physical traits, gender and sexual orientations. Discrimination, conscious and unconscious, is arguably the greatest challenge we face as a company, particularly because we are a content diffuser.
That’s why we don’t choose censure, but instead intellectual humility; hard truths rather than sensationalism.
Intellectual humility, namely an awareness that your beliefs may be wrong, accepting that nothing is simply black or white but is instead made of multiples shades of grey, is in rather short supply lately.
With infobesity, fake news and the post-truth era, evaluating the quality of the evidence and opting for fact-based arguments has been largely left behind.
Our mission at jrnal is to try to blow this bubble away and make you reconsider your most profound convictions (and us ours, for that matter).
We believe the difficulties in the publishing industry are not irreversible. Several points must be fixed and we’re trying to pinpoint some of them, starting with diffusion and distribution. We’re try to do this with a driving conviction: News must be both precious and accessible. That means more pertinent content with more stunning narratives that are accessible and effectively seen.
Want to know more about jrnal ? Here are the first and second episodes of our story.
Hello, World! jrnal is live. | 2019-04-20T01:20:06 | https://newscene.io/publications/3/articles/news-isn-t-just-our-business-it-s-our-life |
The company Danza Contemporánea de Cuba -DCC-, is working on a new project together with the British artistic director Lea Anderson.
Founder of the renowned companies The Featherstonehaughs and The Cholmondeleys, Anderson is one of the most renowned and transgressive creators of the European country, which has n his list of more than 100 choreographies.
In his work he maintains an aesthetic line and a choreographic language that distinguish him in his presentations, always accompanied by live music and novel costume, stage and lighting designs.
His career has taken her to several international stages, from the most alternative places to renowned festivals such as Glastonbury.
She has also made presentations for television and film, and her work is study material in different levels of dance education in the United Kingdom. | 2019-04-20T01:13:33 | http://cubasi.com/culture/item/13979-british-choreographer-lea-anderson-will-work-with-contemporary-dance-of-cuba |
We, at the Institution believe in the motto 'It does not matter where you come from, it matters what you can become'. This is best symbolized by the Lotus, the seat of the creator and a symbol of wisdom, prosperity and infinite reality. It is our vision to create a world class Institution that empowers individuals to manage change and effectively grow and realize their full potential in a globally competitive and multi cultural socio-economic environment.
In order to help our students achieve their true managerial potential, we have a strong focus on academics. Our curriculum is updated frequently for latest trends & research and delivered by highly acclaimed faculty with substantial academic and industry experience.
However, our mission is to develop our students' overall managerial abilities. Therefore, our campus also provides the unique opportunity to participate in various extra curricular activities as well as identify and execute other initiatives that the students deem important for their growth. Additionally, our Corporate Resource Center works closely with the students to prepare them for the Industry by identifying areas for development and addressing them through various initiatives such as personality development, business communication, promoting industry awareness, career counseling, etc.
I am confident that our students will be fully trained during their stay at the Institution and emerge as successful professionals and business leaders to cater to the increasing requirements of the fast changing global business environment.
I thank you for taking the time to learn more about our Institution and welcome you to visit and explore this culturally rich and dynamic community committed to learning and growth with an underlying sense of uncompromised professionalism. | 2019-04-23T17:51:50 | http://www.ndimedu.com/index.php/about/from-the-dean-s-desk |
By Jim & Ted. Discovered by Player FM and our community — copyright is owned by the publisher, not Player FM, and audio streamed directly from their servers.
74 episodes available. A new episode about every 7 days averaging 66 mins duration .
Start listening to Trailer Junkies Podcast on your phone right now with Player FM's free mobile app, the best podcasting experience on both iPhone and Android. Your subcriptions will sync with your account on this website too. Podcast smart and easy with the app that refuses to compromise. | 2019-04-18T12:46:22 | https://player.fm/series/trailer-junkies-podcast-2370246 |
Read this spam I got from someone purporting to be using clearancejobs.com to find employees. Keep in mind that clearancejobs.com is for folks with US security clearances.
Let me introduce myself. I am the Head Hiring Manager of Condor Company Viktor Horoshavin. At this moment we are seeking a new employee for the constant position in our Structure. In our search we addressed to Clearancejobs Administration like to one of the most professional and respectable organization helping to find employees who answer to all necessary requirements. It is not the first time when we resort to this organization during our work in the world market since the year 2004.
Your profile in http://www.clearancejobs.com/ answers to all criteria, needed to be embodied. If you are ready for responsible, professional and honest work then you can become a member of our Staff.
Our Company is specialized in producing and selling different kinds of office and home furniture answering to all requirements of taste, fashion and price. Condor Company was based in 2004. Since that time we have proved high quality and modern technologies of our goods and achieved world popularity in furniture industry. Our production is well-known among our customers in France, Germany, Great Britain, Netherlands and Sweden. At this stage we are interested in widening our market and now represent our Product in the United States of America. We need a Professional who will be our Official representative in the USA and serve our financial interests.
Our requirements: USA citizenship. Responsibility, diligence and honesty.
Job description: Financial operations with our company�s wholesale lots. Reception of payments for wholesale lots. Preparation of monthly reports.
Conditions: Beginning salary $ 2500, 00. After probation period 15 % salary raise. Possibility of career growth.
Our job proposal can be taken as a part time position and will not give any negative effect to your present job status.
Should I gamble on that juicy 15% salary raise? I wonder what kind of clearance I need to make furniture? | 2019-04-24T07:05:11 | http://blog.osten.net/2007/11/clearance-jobs-spam.html |
Fairy gardening, train gardens, gnome homes - we love them all! But you can take your miniature gardens indoors, too. With the right container, soil, and light, miniature gardens can thrive indoors where you can enjoy them rain or shine, hot or cold, home or office. They can be beautifully landscaped and accessorized to your heart's content. We will cover all of the special needs of the indoor miniature garden and demonstrate the assembly and maintenance in class. Door prize alert - Angela teaches stained glass......someone will win an original miniature stained glass panel for their indoor miniature garden at the end of class. | 2019-04-24T02:01:58 | https://www.eventbrite.com/e/lunch-with-the-experts-miniature-gardens-for-indoors-tickets-54180614677?aff=ebdssbdestsearch |
The participants of the Conference, namely more than 150 key actors in the European book industry (authors, translators, publishers, booksellers, librarians) and representatives of ministries and institutions involved in the book sector, addressed the main book policy issues presently pending in the enlarged European Union.
- The role of culture in the European Union as defined in Article 151 paragraph 4 of the Treaty, namely “the obligation of the Community to take cultural aspects into account in its actions under the provisions of the Treaty, in particular in order to respect and to promote the diversity of cultures” should be actively applied within the policies adopted by the European Union and strengthened within the discussions on the institutional and political future of the Union carried out by the European Convention.
In this context, the cultural and creative industries and, in particular, the book industry, must find adequate treatment and a place within other European policies, such as education, employment and creation of new employment opportunities, the information society and new technologies programmes, competition rules, e.t.c.
-The European Union must have a more ambitious policy for books and reading and should not restrict itself to the modestly funded Culture 2000 programme. It is essential to recognize both the cultural and economic significance of the book sector, which represents on the publishing side an estimated 20 billion Euro turnover in 2001 (i.e. higher than that of the audiovisual and the music sector), more than 25.000 booksellers in the E.U., as well as more than 54.000 writers and translators represented in the European Writers Congress organizations.
-The European institutions should welcome and enhance the production of reliable and comparable statistics in the fields of book publishing-including translation-, bookselling, jobs & employment, public spending on books, literacy, reading skills, reading practices and library lending statistics. Production of statistics is vital in order to show the importance of books in the European Society and to be able to support specific measures to be taken by the European institutions. Harmonization of the research activities can be ensured through the enhancement of the important work carried out by Eurostat.
-Specific action lines for “books and reading” have been drafted in the Culture 2000 programme budget in 2003 and should be retained. The programme should finance useful and valuable initiatives in favour of the promotion of reading and books, involving actors from the whole book community, including creators i.e. writers, literary translators and illustrators, publishers, booksellers and librarians. Actions concerning the cultural industries should be included in pilot projects. The above projects should also support the promotion of European books in the International Rights markets, through the participation in Book Fairs outside the EU.
-Translation plays a key role in the promotion and free circulation of ideas and literature within the enlarged European Union and should be continuously supported through both European and national appropriate programmes.
-Amongst the highest priorities for the European book sector is the promotion of reading. It is vital to finance relevant initiatives, mainly reading campaigns and programmes on reading skills. A specific European action plan of substantial investment in literacy would give the best long term return to the European Economy.
-Authors, publishers, booksellers, librarians and other stakeholders should be consulted in the drafting of the e- content and other information society programmes, as these programmes offer opportunities to produce and disseminate cultural content and they affect indeed the future of the book sector.
- It is essential, especially for the new EU member states, to find financing for education and training skills in writing, translating, editing, design, production and marketing of books and published texts in printed and digital form through the European educational and training programmes.
- An accurate and up to date definition of the “book”, which will take into consideration that the crucial element to be protected is the content and not the form, needs to be worked out as such a definition would be vital for political decisions, like VAT rates, fixed book prices, intellectual property protection.
-The dual nature of books as both cultural and economic goods, must be taken into account, when commercial and economic regulations are at stake. It is important to recognize and leave untouched national and european measures in favour of the promotion of books. In this context, books, in whatever form, should be taxed at the lowest possible VAT rate. National provisions on systems of fixed book prices, where they exist on the basis of the principle of subsidiarity, should be respected and not circumvented by other European regulations. | 2019-04-21T18:55:49 | http://www.europeanwriterscouncil.eu/index.php?option=com_content&view=article&id=69:greek-presidency-2003-european-conference-what-future-for-european-books-books-and-the-book-market-in-the-enlarged-european-union-april-2003&catid=13:menu-european-policy |
My house isn’t safe to live in because of my loss. What should I do?
Your personal safety is the most important thing and if it’s not safe for you to live there, you should get out. The good news is most homeowners insurance policies provide for additional living expense which are the addition expenses for you to live, stay or eat elsewhere while your home is uninhabitable. | 2019-04-19T02:52:40 | https://www.gft.law/my-house-isnt-safe-to-live-in-because-of-my-loss-what-should-i-do/ |
Incredible children’s show from the 70’s. Thank you, UK.
Man in Bear Costume with Accordian Sings ‘Umbrella’ with Ambiguous Accent. Also, Confetti.
Apparently she’s never heard of a tow truck.
This cat moves down an entire hallway without ever moving its feet. Hoyl carp!
911 emergency on Eucalyptus Dr.
May be staged, but funny either way.
A little on the long side, but ridiculously clever.
This kid sure was determined to break his ankle.
NOOKYNOOKY NOOKY NOOKY NOOKY nooky nooky… nooky… nooky?
Hillary denies Bill Clinton a kiss, and goes right for Obama. What can we say, Once you go black, you don’t go back! | 2019-04-22T20:23:16 | http://www.pieheaven.net/2008/09/ |
Yes I know its been ages! Let me start out by saying I hope you're having a great start to your new year. For me I'm hoping this year will be better to me than the last two. As many of you know I lost my mom in 2016 and then my dad in 2017 and I really needed to take some time to process things. Over the past few months I've had the opportunity of meeting some of you and I want to thank you all again for your kind words and encouragement.
When I started this blog I wanted it to be a space to inspire and to be inspired so the last thing I want to do is to share my pain.
With that being said, you will be hearing from me a lot more often, still working on my schedule since I am juggling many hats. I also think I'm gonna be doing a bit of a refresh to spice things up a bit so stay tuned.
I have to say that is has been a strange couple of weeks, hell the entire year has been strange. But like I said before this is our happy space and we will focus on the positive here.
My work has always been about the human experience and that we are more alike than we are different. There is another side to that thought also, it's about recognizing our differences and celebrating our them. This is what So Yoon Lym has done with these hyper realistic series that she titled Dreamtime. Just look at all the detail in her work.
These surreal digital sculptures where made by a Korean based artist by the name of Kyuin Shim. Kyuin uses his work to explore various aspects of his culture. But what really fascinates me is how convincing his medium is. He has acquired a new fan.
I recently met Amy on Instagram and became an instant fan of her work and after watching the video of her you love her work even more. She is such an inspiration.
I had the pleasure of meeting Christine Kim at the Ottawa chapter of the all night international street art festival called Nuit Blanche last Saturday night. I came across her work last year at Toronto's Nuit Blanche where she handed out free paper orbs. The line up for her work was one at least an hour wait. Needless to say I was really excited when I found out she was going to be participate in the Ottawa chapter.
Christine Kim is a Toronto based artist and educator who makes some of the most amazing paper cut sculptures. I really love her modern take on a traditional art form. | 2019-04-24T14:02:30 | http://www.soshallwork.com/blog/?category=ART |
In 2016, Scandinavian countries (including Denmark, Norway, Sweden, and Iceland) ranked in the top 10 countries when it came to happiness. People within these societies were found to be more generous, healthy, and social. There are many ways Australians can improve their happiness and wellbeing by implementing Scandinavians practices into their daily lives. | 2019-04-20T20:26:03 | https://www.nordlife.com.au/category/food/danishcuisine/ |
Hello I’m Savy I am 23 years of age. I’ve always been the girl next door type. I am outgoing,friendly and I love to meet other people. I am confident about who I am and I’ve always worked hard to get my dreams to come true. I have been modeling for 3 years, but I have worked hard to get where I am.
I have always wanted to model since I was little.I mostly realized when I could put outfits together and do very well with fashion.
I started modeling at the age of 21 and have continued to model.
I got my first break when I got published in Southern Style Magazine.
My biggest achievement so far is finding myself or my career as a person. Another achievement is getting published in 3 more magazines.
I stay fit by jogging and dancing everyday,also doing photo shoots.
I love all food in all reality,so can’t say I have a favourite.
My advice to females or males that want to start a modeling career is to be able to take criticism well. Also modeling is not about looks as it is about personality, posing and posture.
The other day I hit my husbands truck with my car in my own driveway.
The song that best describes me is One Direction singing What Makes You Beautiful,because before I started modeling I was very insecure about my looks and who I am.
I would be a Vet-Technician in college.
I am addicted to jigsaw puzzles. It’s actually my other hobby.
I like to hang out at home watching movies and schedule photo shoots.
I am a up-front person and will not lie to you.
My nickname was Shirley Temple,because I had short curly hair.
Models need a good personality,happy attitude and a strive to work hard. | 2019-04-18T13:33:44 | https://www.mag4models.com/get-to-know-savy-lynn-in-15-questions/ |
On this 7 Night Colonial Fiji Cruise offered by Captain Cook Cruises Fiji you will experience the best of the South Pacific as you cruise past some of the over 330 islands that makes up Fiji. You will cruise past the amazing Yasawa Islands and on to the quiet & historic town of Levuka which is set on the island of Ovalau.
Enjoy a refreshing swim at the Bouma Waterfall lagoon on Taveuni Island and explore the extinct volcanic crater in Savusavu where there are local markets and hot springs. There will be plenty of time for more swimming, snorkelling, diving and glass bottom boat rides as you explore the northern islands.
The 7 Night Colonial Fiji Cruise is perfect for couples or families to enjoy. Sit back and relax enjoy all of your meals on board Captain Cook Cruises Fiji's cruise ship Reef Endeavour.
All Rooms Feature: Private bathroom ensuite, On/off air-conditioning, Internal telephones, Soaps, Shampoo and towels are serviced daily.
Stateroom: Located on B and C Deck. Are bright and open onto outside walkways and have picture windows. Bedding is 1 Double Bed OR 2 Single Beds. Maximum room capacity is 2 Adults & Children.
Day 1- Depart Port Denarau Marina for Tivua Island: Welcome aboard with a complimentary fruit punch and welcome salusalu (lei) as we set sail for our Fiji Island adventure. This afternoon visit Captain Cook Cruises own exclusive island “Tivua” where you can enjoy a twilight swim, snorkel or relax on the beach. Tonight enjoy our special Welcome Dinner and crew entertainment.
Day 2 - Levuka, Old Capital: This morning we arrive at the port of Levuka on the island Ovalau, situated off the northeast coast of the main island. Levuka was the first European settlement in Fiji and became the centre of British colonial administration and trade. Now world heritage listed, at its peak over 50 hotels catered to the thirst of sailors in port and the town gained a wild reputation. In 1888 the capital was moved to Suva on the main island, and Levuka’s notoriety gradually waned. Passengers are invited to join an optional tour of this now quiet historic town with its stately backdrop of 19th Century colonial architecture and waterfront promenades. In the afternoon we visit the children of Marist Convent Primary School.
Day 3 - Makogai, Clam research & Old Leper colony: Start your day at Makogai Island with a traditional Fijian ceremony before joining the 1hour walking tour of Makogai leper colony and nursery, home to giant clams and turtles. In the afternoon return to the island visiting the local primary school where the children will entertain you with their song and dance.
Day 4 - Savusavu, Hot springs and Pearl farm: This morning we arrive at Savusavu, the second town on the second biggest island in Fiji, Vanua Levu. Savusavu is positioned on an extinct volcanic crater. Choose from a selection of optional tours including a visit to the hot water springs, pearl farm and markets. Later this afternoon we cruise to swimming beach in Savusavu Bay.
Day 5 - Bouma Waterfall/Naselesele Village: This morning we disembark on the western side of Taveuni Island - the “Garden Island” of Fiji. The optional bus tour takes you to the beautiful Bouma Waterfall where you can swim and relax in the beautiful setting The tour then continues to the Naselesele Village where you can visit the local handicraft markets. Tonight enjoy the tastes of Fiji with a traditional ‘lovo” (earth oven) feast where we share fresh local seafood, meat succulent tropical fruits. Then dance to the drum of the meke (dance) and kava ceremony.
Day 6 - Wairiki, Dateline & Whispering Tide: For an experience not to be missed, join the special choral church service at Wairiki on the western side of Taveuni. Taveuni Island lies on the 180th Meridian, the arbitrary line between today and tomorrow. After the service our crew will take you to the famous Dateline Meridian where you can literally stand with one foot in the past and one foot in the future. This afternoon we visit Whispering Tide for swimming and snorkelling before our scenic cruise along the south west coast of Vanua Levu navigating Bligh Water.
Day 7 - Nananu-I-ra, Viti Levu Bay, North Coast of Viti Levu: Cruising south west from Vanua Levu we arrive at Nananu-i-ra on the northern coast of Viti Levu for our customary swim, snorkel and beachcombing. A lazy morning to enjoy our beach visit or an energetic hike about the mountain. After lunch there is our last opportunity ashore before we begin our homeward journey. This evening don your sulu (sarong) and join all the celebrations of our Pacific Island Night Finale. Pre-dinner cocktails and appetisers are served in the Ra Marama Lounge before our gala farewell dinner featuring the music and dance of the South Pacific.
**Please note** Itineraries subject to change due to weather and other operational requirements.
MV Reef Endeavours small size and shallow draft make it uniquely suited to navigate the sheltered waters of the Yasawa Islands where coral reefs abound. There are big ship comforts too, including a swimming pool, extensive outdoor leisure decks and an embarkation platform with a lift from water level to the main deck. | 2019-04-25T14:21:20 | https://www.travelonline.com/cruises/captain-cook-cruises/fiji-7-colonial-cruise |
The information for this branch was filled in 2019. Primarily, the update was to specifically provide information about the opening hours and contact information for Sovereign Bank – 2401 E Venango St, #2.
In some instances, Sovereign Bank – 2401 E Venango St, #2 has to change its opening regularities. This is mostly experienced in various moments especially for a standard time and daylight saving. It is, therefore, important that a client should consider contacting the bank for inquiries regarding any latest changes. | 2019-04-20T20:27:17 | https://bankopenhours.com/sovereign-bank-2401-e-venango-st-2/ |
Six excavations (1987–2007) at Finsbury Circus on the north side of the City of London uncovered over 130 Romano-British burials, part of the upper Walbrook cemetery, to the west of the better-known ‘northern’ cemetery (around Bishopsgate). Set within an area of marginal land, traversed by meandering tributary streams of the Walbrook, the cemetery provides intriguing insights into the management of burial space and attitudes to the dead, and a solution to one of the most intriguing problems of London’s Roman archaeology – the origin of the ‘Walbrook skulls’.
The cemetery was in use by the end of the 1st century AD, with most activity dated to c AD 120–200, but occasional interments continued into the 4th century AD. The majority of the graves are typical of the cemeteries of Roman London, but two individuals buried with heavy iron leg rings, apparently forged around the ankles after death are of special interest.
What is remarkable about this cemetery is that human remains, particularly skulls, became exposed, were washed out and transported downstream by floods, migrating Walbrook tributaries and drainage channels. That burial continued in such conditions suggests either that this watershed area (and the taphonomic transformations on display) held significance for those using the cemetery, or that their choice of burial location was restricted. | 2019-04-22T08:52:45 | https://museumoflondonshop.co.uk/collections/roman-dead/products/the-upper-walbrook-valley-cemetery |
Clickto select products and contact the supplier.
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Your use of this website constitutes acknowledgement and acceptance of our Terms & Conditions. | 2019-04-21T22:22:06 | https://www.ecvv.com/company/icom-electronics/catalog/252215.html |
People are more in control of our health than we ever have been before. Unfortunately, we are not doing a great job with this control. The majority of diseases killing us and causing disability in 2015 are what we call ‘diseases of inactivity’. Examples include diabetes, heart disease, lung disease, and obesity.
For the most part, these diseases can be prevented and managed with physical activity. Essentially we need to get off our bottoms and move, even just a little bit more. Sedentary behavior is killing us –- literally.
Some simple, meaningful analysis of our wearables data may be just the thing to make us more engaged and active.
We have likely all heard about the risks of sedentary behavior, and the implications for our health. We have also all heard that we should become more active. The Canadian and US Governments have taken this to heart and produced Physical Activity Guidelines. These guidelines tell us that in order to obtain health benefits, the average adult should all aim to get 150 minutes of moderate to vigorous physical activity per week.
This is all well and good, but a one-size-fits-all approach to physical activity recommendations is not ideal for a number of reasons. While public health initiatives may be effective on a large-scale, the nature of scale also means that the nuances and personal characteristics that make us individuals are not accounted for. For example, what if I have osteoarthritis in my knees and am unable to do moderate intensity activity? What if 150 minutes is way below what I am currently doing… how much more should I do? How do I put this 150 minutes goal into context in terms of my other health goals of preventing disease, managing symptoms, becoming happier, and sleeping better?
Technology may provide us with some of the means to answer these questions about physical activity. In particular, the recent boom of wearable fitness monitors has pushed the science of exercise ahead in many ways, creating significant opportunities for enterprises, device manufacturers and app makers, and even personal injury law.
However, while wearable fitness monitors have helped us become more in tune with our physical activity, many questions remain. How specifically is my amount of activity related to my risk for these diseases of inactivity? What amount of exercise, at what intensity, will help me meet my individual goals? Collecting physical activity information is useful, but without context and a deep understanding of the relationship between activity and disease, this data can only take us so far toward the goal of becoming healthier.
We at Vivametrica answer these questions by harnessing the power of technology, combined with advanced predictive analytics. As experts in exercise physiology, rehabilitation medicine, and lifestyle change, we provide the necessary context, insight, and interpretation of data. Our methods can turn data from your wearable device into meaningful and actionable tools for better health-related decision-making. We provide people with the ability to make life-changing decisions about their health, based both on their own data, and our clinical expertise.
Specifically, we provide solutions that quantify physical activity and provide individualized risk assessments for diseases of inactivity, including diabetes, heart disease, lung disease and obesity. We are able to provide these personalized risk assessments based on physical activity, body type, age, gender, and even job category.
We even offer bench-marking tools so that people and groups can compare themselves to other people and groups, in terms of activity, sleep, and risk for diseases of inactivity. Most exciting are our tools that allow individuals to experiment with combinations of change in lifestyle factors (activity, weight, waist size) to determine individual risks, and to set appropriate personal goals. Most surprisingly, this tool demonstrates how seemingly reasonable and minor changes in physical activity have huge impacts on health.
More than ever, the ability to be healthy and happy is in our control. With the advancement of technology and our predictive analytics, we can now quantify how our behavior impacts our health, and set goals that are personalized and meaningful.
Our new tools allow you to see just how many times you need to get up from the couch to reduce your risk for disease, and luckily it may be fewer than you think. | 2019-04-20T23:08:46 | http://vivametrica.com/2015/04/health-analytics-now/ |
An European International School in Dubai (French and German bilingual) is seeking Native French, German and English Teachers to work in a co-educational environment. Candidates must have IBDP or MYP experience. Being Bilingual in French or German is an advantage. | 2019-04-26T17:00:23 | https://jobs.theguardian.com/job/6878762/pyp-myp-and-ibdp-teachers/?LinkSource=PremiumListing |
Welcome to the Bali Artshop!
Here you find a wide range of Indonesian articles to bring the Indonesian culture closer to you. You will find both antiques and works of art as some tourist articles.
If you want to pay in € (euro) please use the € button right at the top to change the currency from $ (USD) to € (EUR). | 2019-04-26T05:53:49 | https://www.bali-artshop.de/epages/63684478.sf/en_US/?ViewObjectPath=%2FShops%2F63684478 |
Description: Classic Tonz of Drumz T-shirt. Logo T-shirt. Please check out the detail of the logo. The large photo has too much glare. | 2019-04-23T06:04:55 | http://www.radiofuturamusic.com/v2/index.php?main_page=product_info&cPath=243&products_id=2140 |
Gorgeous One Bedroom Unit With Direct Access To The Interior Courtyard Off Of A Rare Private 470Sqft Patio. 9Ft Ceilings, Engineered Hardwood Floors, Quartz Counters, Tiled Backsplash, Stainless Steel Appliances, Full Size Washer & Dryer, And Ample Closet Space Make This The Perfect Place To Call Home. One Underground Parking Spot And A Locker Is Included. Close To Clarkson Village, Port Credit, Parks, Go Train, And Easy Access To Qew.
Stainless Steel Appliances Including Fridge, Oven, Microwave. Built-In Dishwasher. Washer & Dryer. Parking #41, Locker Gr3 #133. Great Amenities Including Gym, Rooftop Terrace/Garden, Yoga Room, Party Room, Recreation Room. | 2019-04-21T05:00:36 | http://www.gtahousesonline.com/listing/w4396691-1575-lakeshore-rd-w-mississauga-ontario-l5j1j4/ |
Keep your #pursegame strong with our amazing rad bags. Wear this mini flamingo purse to give your outfit that extra flair. You can even accessorize your new purse with our zipper pulls or patches, the possibilities are endless! All you need is this glitter pink flamingo mini purse to get you started.
♥ Measures approximately 6.5in x 5.5in.
♥ Made with polyester covered with glitter. | 2019-04-25T02:16:21 | https://radgirl.fashion/products/kidz-glitter-pink-flamingo-purse |
Got questions? We’ve got solutions. Contact Reich Web Consulting today and tell us how we can help your small business with your website, web marketing, and programming needs.
Contact Reich Web Consulting Today!
Hi, how’s it going? Reich Web Consulting is a small web design and web marketing company dedicated to helping other small businesses in central Pennsylvania. We’re friendly, professional, and would love to learn about your business. We hope to hear from you soon! | 2019-04-23T06:20:06 | https://www.reich-consulting.net/contact/ |
NOTES: ID uncertain. This bird was in the fresh water impoundment. I did playback from the dike and also got response and approach from birds I presumed to be Clapper Rail on the other (brackish) side of the dike. Other Behaviors: Advertise. Habitat: Pond. | 2019-04-18T18:55:16 | https://macaulaylibrary.org/asset/130910 |
← What’s It Like to Work with a Career Coach? One Student’s Experience.
“Do you have real maple syrup?” I asked the waitress at a local café.
A few exchanges later, she was offering to find out what brand of syrup they served and I knew we were experiencing a major miscommunication.
I was from Planet Maple Syrup—where one enjoys the substance harvested from maple trees, the stuff that’s a major commodity and cornerstone of the national economy of Canada.
She was from a place where all syrup was undistinguishable maple-flavored sweetness.
say, “yes, can I see the label on the syrup you use?” Visual clues are a great way to resolve miscommunications.
say, “can you ask the chef if there’s real maple syrup available?” Engaging a third party is often a good way to clarify a situation in which the original two parties are unable to successfully communicate.
assume I’m in a place that doesn’t offer what I’m looking for and order eggs. Re-directing away from the problem allows both parties to regain footing.
Whichever path I choose, the story can illustrate my ability to problem solve, get past miscommunications, and deploy transcultural competence (the ability not only to appreciate other perspectives, but to step outside of one’s own and see it as an outsider might).
I present this story because it is precisely these small encounters that language students have experienced over and over again in their courses, communities, and travels that provide excellent examples for both written job search materials and interviews.
Think of all the experiences like my maple syrup encounter that you could use! Package it into a clear, concise, detailed story. BUT DON’T STOP THERE!
1-You have to take the next steps of explicitly connecting that real-life story to the key words, important skills, and specific experiences that employers seek.
3-And finally you have to do your homework. Research the organization enough to know what their on-the-ground needs are. Then explicitly say how you will meet those unmet needs with your skills that you’ve just illustrated.
This entry was posted in Career Advice, document preparation, interview prep, Networking. Bookmark the permalink. | 2019-04-22T04:00:26 | https://darcylear.com/2013/07/18/on-maple-syrup-miscommunications-and-transcultural-competence/ |
Blissfully happily married 30 years.
We live in a suburb of a major Midwest city.
We also have a second home, just built, outside a coastal city in the Southwest (more on that later).
As my story unfolds, you’ll see that I’ve done several things that ‘go against the grain’ or defy conventional wisdom.
That said, we’re both comfortable (or lucky) that these decisions have been positive and we feel good about our situation and the route we’ve taken. I’ll flag these items.
From reading just about every Millionaire Interview, we’re definitely not doing what many have done but we’re in a good place.
No longer ‘corporate’ and working part-time, either at a passion or a side gig?
Going from full-time to consulting?
Doing a complete career change after corporate life?
For me, I think it’s a somewhat ‘fluid’ definition.
Currently, I don’t work at all so I consider myself retired. That said, if I discovered a ‘passion’ (for example, working with food, writing etc…), I think I’d still consider myself retired. I’d no longer be working in the profession where I’d spent my entire full-time working life.
I’ve not been working since early 2015.
I dabbled briefly with some consulting in the few months following my exit but I abandoned that pursuit and have not been working since.
My wife retired about 1 year earlier than me, and her circumstances for her exit were similar to mine.
I spent most of my career in Market Research, first at a large Consumer Products Company, then several large Pharmaceutical companies. I ended my career as a department Director.
Over the last 15 years of my career my total compensation rose steadily from $110k/year to approx. $240k/year, including stock options and stock grants.
My wife spent most of her career in Information Technology for Financial Services companies.
Her salary trajectory, though more bonus-driven was similar — some years she would make close to $300k, other years a bit less.
Having changed positions and companies several times her compensation varied but on average, she brought home ~$175k/year during her last 10 working years, averaging the good and bad years.
I could toss it up to politics, career mis-steps towards the end (a high-visibility project that didn’t go well), ageism and a company changing priorities. I will say I was somewhat surprised as I had always been an out-performer but I did not see this coming.
Though things were not going well and I could sense it, firing was the last thing I expected — I know if one of my employees were in trouble I would’ve worked with them to improve or at the very least given them the heads-up.
In the end though, it was a blessing. The commute was terrible (my company relocated to the suburbs and I went from an easy commute by bus to a 60 mile drive on some of the busiest highways in the Midwest) and the company’s culture and expectations changed.
Upon reflection, I don’t think my skills were current for today’s world, which changes at lightning speed though not to say I couldn’t have learned — and after 15 years, from their perspective they likely needed fresh blood.
There was a bit of a purge, from what I understand and there are many new faces with fresh ideas. I can’t say I blame them.
My wife left her role under similar circumstances. Her last company was a bit chaotic, bosses changed, politics and evolving priorities all contributed.
For both of us though, we left with fair severance packages and we received our bonuses so we did not walk out empty-handed. And we were well-compensated throughout most of our career so for that, we’re grateful.
Retirement came to us, not us to it!
But I had a net worth dollar target in mind and I started to target age 55 as an out-date.
From a benefits standpoint, 55 was/is a magic number as I would qualify for subsidized retirement medical benefits etc…and also, psychologically its a milestone that I would have liked to have achieved. I was 53ish but if I throw in severance and bonus that probably added another year in compensation so I fell about 1 year short.
In today’s world, that’s not bad and I consider myself very fortunate. Many folks my are escorted out earlier and/or in much more dire financial straits.
My wife was just ready. She wasn’t happy in her job and she lost the desire to find something else.
That said, when she left her company she did some consulting for 6 months or so for her former boss so that kept her busy but she really had no interest in working full time. She was done, and she just didn’t want to work any more.
When I joined my last company, even at age 38 I had one eye towards 55.
One benefit from my wife’s company at the time was free access to a financial adviser. We came to the realization that we needed someone to help us develop a rigorous plan.
We had been somewhat haphazard (I had always been a saver) but it was the equivalent of a ‘messy desk’. We had plenty of ‘stuff’ (401k, some individual stocks that seemed interesting, mutual funds) but not organized and not goal-focused.
He helped us tremendously and we still use him today after almost 20 years. I like him because he ‘gets’ us. We’re conservative investors and somewhat risk-averse. He knows where we want to be and he doesn’t push us into things we don’t want.
2) Took full advantage of company benefits – 401(k), Savings/Investment plans and other benefits.
Further, my company had terrific retirement benefits and while I had done so in my previous companies I had not put much thought into it.
As early as I could, I contributed the maximum allowed, both before and after-tax into my 401(k).
I also had a good portion of my paycheck diverted to my financial adviser to invest and I also invested money each paycheck into mutual funds that I like.
I would estimate that >40% of my salary was invested in either my 401(k) and outside investments and that was something I maintained for at least 15 years.
3) Treated ’Savings’ like an ‘Expense’.
For us, monies directed through payroll deduction, automatic investing etc…were considered a bill, something we were obligated to do. The way we pay our utilities etc…we ‘pay’ our Financial Advisor, our mutual funds, our company savings plan.
I like to steadily invest — call it dollar-cost averaging, but I like the discipline of consistent investing on a schedule.
My wife has a different savings style. Where I like to steadily invest throughout the year (payroll deductions, automatic withdrawals each month etc…) she likes to invest in chunks.
Her bonus and excess cash buildup would be invested in addition to 401(k) contributions.
Slightly different means, but we end up in the same place and the good thing is, we both have the savings mindset.
4) Became educated on the finer points of personal finance.
I became a voracious consumer of financial information, through blogs, publications i.e. Money Magazine, Morningstar, Kiplinger, Ric Edelman and retirement-focused newsletters, including ESI!
This helped me to ask much more informed questions, learn from others, shape my savings and investment strategy and to focus on 4 things: cost, return, income and tax implications. Before I invest in anything, these are the questions I ask.
5) Became highly disciplined re spending, budgeting, planning and investment performance and acquired to tools to rigorously monitor.
To that, I rely heavily on Mint to monitor spending, Personal Capital to monitor performance and various of planning tools i.e. TRowe Price FuturePath tool, Fidelity Retirement Planning and NewRetirement.
Though it’s cumbersome since it’s manual, I use Morningstar for research, and Morningstar’s Portfolio Tracker. I find this tool particularly helpful to understand my portfolio’s performance, composition, mix and fund expenses, and to benchmark my performance against broader market indices.
For us, I developed a comprehensive spreadsheet/workbook in Excel where expenses are monitored, a line-item budget is set, with lots of fancy-shmancy graphs and pivot tables so I know exactly where we are and how we’re doing. Finally, once every 2 years I have my Financial advisor do a comprehensive plan for us.
It’s probably a bit OCD but I like to sanity-check against the various tools. There’s so much at stake and the tools all have features that let me model, run what-if’s etc…and that just gives me a measure of confidence that for the most part, the tools all tell me I’m on track, in addition to the modeling my financial advisor does for me.
Regardless, I learn something from each of these tools — what to consider such as impact of market changes or social security claiming strategies or heaven forbid, impact of a catastrophic event.
Overall, the biggest change for us was mindset.
Retirement wasn’t an abstract, far-off concept. It was imminent and the odds are it would happen sooner than we plan so we better be prepared.
It wasn’t an ‘if’ but ‘when’, and we focused our thinking and our investment strategy on the long term through income-generating investments, safety, asset mix so we could benefit from strong, and ride out weak markets.
1) I took a lump-sum option on one of my pensions. I wanted to have the asset in-hand, and I had done projections from when I took the lump-sum at age 54, and what the lump sum would be at age 65 and I believe I could have done better.
2) I’ve been steadily, but slowly moving to more fixed income (i.e. CDs) now that rates are ~3%. I expect some market volatility and I would like safety, particularly in the retirement accounts.
For the past few years our spending has been consistent so I’ve been able to plan and budget accordingly.
Since 2018 was the year we built our house, one-time expenses were significant but I’ve been able to establish a baseline for average expenses — utilities, etc…on a second home.
We know what our mortgage payments (plus escrow for taxes and insurance) will be for the next 10 years and our plan is, within the next 5 years to sell our Midwest home and with the proceeds recast our mortgage so the payments will be much lower.
Our overall yield (dividends, interest etc…) is ~2.5% and our portfolio has grown approx. 7.5%/year since retirement.
We do not expect that growth rate to hold in the future, especially as we move to safer investments but we are confident that the interest and dividends will be consistent given the composition of our portfolio.
When I turn 59 1/2 in 2021 the combined income generated by these accounts will represent approx. 80% of our requirements.
My wife and I have 2 small pensions that we will take when we’re 65. My pension will be 100% joint/survivor so if I pre-decease my wife she’ll still receive income.
We have an annuity, ~$500,000. We like the idea of a consistent income – we’ve given ourselves a paycheck every month since retirement – and this particular annuity was attractive in that it provides 6%/year. We will likely turn this on within 4 years.
We’ve identified these claiming ages as a ’sweet spot’ – that is, our assets would not be markedly different at milestone ages – 70, 75, 80 and in some cases lower had we chosen different timing. We’re able to take the proceeds and use or invest depending on need. Waiting longer may mean a higher payout but fewer years to enjoy it.
We’ve lived in the same townhouse we bought, which we’ve owned free/clear since 2003, having paid off our 30 year mortgage in 15 years.
We fell in love with the area of the Southwest and purchased property in 2004 with the plan to eventually build a house where we can entertain, have visitors etc…We’ve never owned a stand-alone home and we did not want to move to another townhouse or a condo. We wanted a house to call our own, built the way we like it with the features that we don’t have in our townhouse.
For now we’re keeping both locations, maintaining ‘dual citizenship’. We have the financial means, maintaining our home and lifestyle in the Midwest is in the plan and honestly, we’re just not ready to move – we have our friends, our routine and we enjoy many of the things the Midwest has to offer. So, for the time being we have the best of both worlds but I’ve planned for us to sell our Midwest home and live full-time in the Southwest within 5 years.
I know that many retiree’s goals is to be debt free and there’s plenty written, blogged about etc…about the perils of having debt in retirement but we felt this was the right move.
We certainly could have paid cash but we’d rather have our money working for us in the market, especially since the mortgage interest rate is low — 3.75% and the interest is tax-deductible.
Against the grain #2: A portion of our equity portfolio is in individual stocks.
I’ll give more of a breakdown of our assets later but in short, I like having these stocks and I chose those that are rock-steady and consistently pay dividends. While these holdings don’t represent the most significant portion of our portfolio, they’ve provide a steady source of income each month. And, by and large these holdings tend to generate dividends in good times and bad and for us it’s about income as much as it is about assets.
I know that everyone – from Bogle to the ESI millionaires say to hold a few ETFs, broad-market low-cost index funds and to stay away from individual stocks, and for the most part I agree. I would tell people, “do as I say, not as I do”. But I bought many of these stocks – just about all are blue-chip, known names across sectors that pay dividends consistently and at a good yield. Many I bought low, bought more when the market dipped and they’ve appreciated significantly, which is a blessing and a curse since selling means generating a taxable event. For now, I’m happy with the income. And, I’ve got a balanced portfolio with a good mix across the major categories: Individual stocks, ETFs, broad-market and some specialty mutual funds, Munis, Bonds and cash.
My financial planner played a significant role, but by educating myself through magazines, newsletters etc…: Kiplinger’s, Money, Morningstar, Consumer Reports Retirement newsletter (now defunct), NY Times, NewRetirement, Ric Edelman. They all had things to say and while their advice wasn’t always for me, I’m able to ask informed questions of him.
1) He recommended taking a Line of Credit against our assets to build the house. The interest rate was low and deductible against investment earnings/interest. Next he recommended we convert to a mortgage vs. paying off. Our money is working, the mortgage interest is deductible and we got a great interest rate.
2) About 10 years ago I started to ‘hammer’ him on fund expenses (much to his chagrin) but given how much we have with him, we’ve brought this down significantly. Way back when, I didn’t know expenses were a ’thing’ since these tended to be buried in the prospectus but now it’s a decision-point for me when it comes to investing. When I have excess cash that I’d like to invest I as often bring ideas to him as he does to me.
Well, since the decision to leave wasn’t ours, we didn’t do any specific planning.
That said, even had I had more time I was/am comfortable with our plan.
The expense projections are realistic with enough of a cushion, we have some assets that are liquid (i.e. cash) that we can access if needed and, most importantly our investments provide enough of an income stream and when we start tapping our Social Security and Pensions we can think about reinvesting.
After all I had read about the newly retired needing a purpose, having their identities so tied to their jobs and feeling lost or bored, I was very concerned that I would experience these same feelings and would start to ‘climb the walls’ after a month or so.
I also anticipated trying to find a new job and experience one disappointment after another: the unspoken age discrimination, not having the skills companies are looking for, a rigorous interview process or having my resume fall into a black hole.
Financially, though my models tell me otherwise, I was, of course worried about running out of money, an unexpected major expense that would significantly deplete my savings or expenses much higher that planned.
Fortunately, I qualified for retiree healthcare benefits for my wife and I, and I made it just ‘under the wire’.
While not subsidized, which I would have qualified for had I been there until age 55, I had enough years with the company that entitled me to pay the group rate with the same coverage that I had as an employee, which includes dental and vision.
The health coverage, fortunately is terrific including free prescription coverage.
When I or my wife turn 65 we enroll in the company-sponsored Medicare Advantage plan.
We consider ourselves blessed that we’re in this plan as this gives us tremendous peace of mind. While the coverage is not inexpensive, I know on the open market we’d likely be paying more for less.
I told everyone I retired.
I’ve never been ‘let go’ and while many go through it in their careers, it was tremendously embarrassing and humiliating.
I feel as though my career has ended in failure and that is something that I just would prefer to keep to myself — except my wife, of course!
It’s great, in a weird way that I have someone that also went through this.
My boss, by and large was supportive and understanding, and he and I crafted the ‘retirement’ story and that was how it was announced internally.
I told my team as well though, in all honesty they likely know the truth. Of course, after I left, the truth came out. Unfortunate but understandable. People just talk.
For me, I was given a choice: leave that day, leave end of year, leave end of February.
I chose end of February as I would accumulate time with the company, earn, still invest in my 401(k) and qualify for my bonus.
Since it was positioned as ‘Retirement’ it was a long goodbye, getting work things in order for my successor, managing my team and projects etc… So, business as usual up until the end.
I didn’t want a lunch or a party as these tend to be uncomfortable so my departure was quiet.
My wife and I went out to a nice dinner that evening.
But, I am above all a professional and I took a lot of pride in what I built there and wanted to leave with my head held high.
My wife’s ‘retirement’ was a bit more sudden, along the lines of a classic firing: mystery meeting set up, HR and her boss in a meeting room, her boss read a script, she was handed a packet and was escorted out after collecting her things. It was an unceremonious, humiliating end to a long and successful career.
Once we decided that working full-time was no longer in the cards, settling into the retirement mindset was easier than I thought and the boredom etc…that I expected to experience didn’t really happen.
Our finances and our plan (knock wood!) has held up so we’ve not had to struggle nor significantly curtailed our lifestyle.
We were never extravagant spenders anyway so there really was no change.
I updated my resume, and I took advantage of the outplacement services offered to me as part of my separation. I found this to be particularly disappointing but I accept responsibility for that as well since I had higher expectations. I found this to be very formulaic i.e. “today we’re going to work on your elevator pitch” or the best way to answer why I left my last job. That said, these are critical skills for job-hunters and for most these exercises are invaluable but for me, my heart wasn’t in in it.
I networked, reached out to former colleagues etc…and got some bites but many roles like the one I left were either highly technical — if I were recruiting for my job I’d want more technical too — or just not for me.
I thought about doing something completely different and there were some positive aspects to this but we were in the midst of building our house so we’d be away for several weeks at a time.
I don’t think there is a person who ever worked that didn’t share these regrets with varying degrees.
While I don’t necessarily block these out, over time I put these in perspective.
But, I still see, out of the corner of my eye colleagues that have done well, landed a great job or got a great promotion and wondered if that could’ve been me if only…I know these thoughts will diminish over time but I imagine the newly retired go through this process.
I guess this question could be re-worded as, “how did you decide to retire vs. finding another job”?
For me, this was a rude awakening. That is, to find a comparable job in the same or similar industry would have been very difficult.
Companies want younger and more technical: while I would consider myself tech-savvy, many companies want player-coaches. Sure, soft-skills are great but getting through the first hurdle — demonstrating the hard skills — is very difficult.
I tested the waters early but realized that I would have had to invest considerable time upgrading my skills in order to more effectively compete. Interviewing is now a different ball game now — by video vs. in-person which I found to be somewhat jarring.
I know that it’s something that with practice one becomes more comfortable with but for me I found it to be frustrating to talk into a monitor vs. interacting live.
Another large company? Sure, but I know what that brings. While compensation and benefits, and the trappings that may come with the job may be attractive, I also know that there is a drudgery aspect — meetings, politics, good co-workers and bad, competitiveness and honestly, the work itself.
A smaller company or startup? Maybe, but those are harder to find, and they tend to be frenetic, chaotic work environments. Challenging and exhilarating too, but for me a younger person’s game.
Consulting? I did a bit of that for a consulting firm after I left my job and while the engagement was unsuccessful (client mismanagement), it wasn’t for me. I realized that if I were to go it alone I would need to completely immerse and re-educate myself in this fast-changing world so my technical skills are top-notch and more importantly, have a great network of folks that would want to hire you!
Changing industries or doing something I enjoy: I’m still contemplating that and keep one eye open.
I don’t need to tell you that job-hunting is difficult! Networking, developing a ‘pitch’, a tight resume, sending out countless letters, applying on-line, dealing with recruiters is exhausting and frustrating.
For me, I kept asking myself: do I really want to go through all this, for maybe another couple of years? I know many colleagues are fortunate, and smart enough to have a broad network where they walk out one door, and through another in a matter of days into a job that is as good or better as the one I left. I realized I should have worked much harder at building a strong network.
I got to the point where I weighed the ’three F’s – Freedom, Flexibility and Fun’ with work. I enjoyed the Freedom of not having to answer to anyone, the Flexibility to go where I want and when, and the Fun of being able to go to the beach in the middle of the day, take a trip or go to a museum.
I also think that in the end, I just gave up trying to find a full-time job. I didn’t have the fortitude to go through the process.
I know I am fortunate and for many folks who lose their jobs, there is a much more positive spin on above, especially in a profession that one truly loves. I understand and appreciate that many folks find better jobs, whether through good fortune and a good network or a lot of hard work.
In some ways I envy these folks — to have a passion for what they do, to have done all the right things re building and maintaining relationships, being active and pro-active in being visible in their profession and being able to seamless move from one role to another.
I also understand that many folks need to keep working — financial obligations or because they enjoy what they do. For me, I count my blessings that I planned and saved enough that I don’t need to go back to work. That said, if I had, or found that passion it wouldn’t be work, right?
The adjustment was surprisingly easy.
My fears of boredom, inadequacy, the need to go back to work etc…never really kicked in.
At first, I admit it was a bit strange doing things during the day that I would normally save for the weekend or on a day off but that quickly wore off.
We enjoy spending time together, and while I wouldn’t call our days busy, they fly by.
What I don’t like is the nagging feeling that I should be working and in all honesty there are days I’m just bored.
My wife is the opposite — she loves not working and has no interest in going back.
I think to the outsider, our typical day may seem boring, and they would say “you need to find something meaningful to do with your time!”.
Once or twice a week we plan something: go to the movies, go to a museum or shopping, and go to a restaurant we like or want to try.
In nicer weather we may go for a walk on the beach or do some other outdoor activity i.e. play golf.
We’ll get together with friends for dinner or drinks once or twice a week and on weekends we’ll do activities as a group.
Every 4-6 weeks we’ll visit our Southwest home. We’ll shop for the house, explore the area, and get together with our Southwest friends.
I would have stayed ahead of the curve with my technical skills and made myself more of a thought leader in my industry.
I would have developed and maintained a much, much stronger network so I had options, whether moving to a similar role or a comparable one in a different industry.
I think if I had these options, It would have been easier to find my next endeavor.
I also would’ve cultivated a passion and developed a way to build upon that so I would’ve had the option to move in that direction.
I know there’s time for that and it is something I may still do.
Yes. For me, I had never been fired so it was humiliating. I was ashamed, and I thought I need another job to demonstrate to myself that I still had ‘game’ and could find a job as good as, or better than the one I left.
I wasn’t afraid of the financial impact but more the emotional one: sadness, missing the social aspects and honestly some of the fun, boredom etc…and the inevitable frustration that job-hunting brings.
For my wife, she reveled. She couldn’t wait to retire and though she did some consulting for about 8 months or so, she didn’t truly enjoy it and was happy when the engagement ended.
I’m surprised at how easily we both were able to ‘let go’ and enjoy the freedom. There aren’t many days where I say to myself “I wish I were working”.
I know my wife never says this!
Fortunately, we’ve not had any financial surprises that we’ve not been able to handle. Thank goodness I planned for the unexpected.
We will eventually move to our Southwest home, though the timing is TBD. My plan has 5 years but that may change.
I’m keeping one eye open for a passion pursuit — it may be food-related (I have a culinary degree), or involve writing.
My wife loves retirement so as long as we’re healthy (we are!), we’ll continue to enjoy the Three F’s — Freedom, Flexibility and Fun.
Our plan has held up well. The income our portfolio produces, coupled with the cash reserves and other portfolio moves have enabled us to both cover expenses without having to curtail our lifestyle.
I set a line-item budget at the beginning of each year and for the most part we’ve stayed on track. While I admit that I had no idea how much it would cost to maintain the Southwest home before it was built, we’ve been able to establish enough of a baseline so we can better plan.
Since my wife is 61, we’ve directed any dividends/cap gains etc… generated in her IRA to our checking accounts. Prior to 59 1/2 these were reinvested. Fortunately we’ve not had to sell any of these assets (yet) though we might start to draw down at some point, since RMDs will be an issue in 9 years.
In our taxable accounts, we’ve also taken the dividends/cap gains and interest, vs. reinvesting.
Since we’re both a couple of years away from claiming Social Security, we’re still formulating a strategy.
I’ve run every combination (one or both claiming at 62, full retirement age etc…) and determined what my portfolio and cash flow would be at various future ages i.e. age 70, 75, 80 and beyond.
Personal Capital’s Retirement Planner is a great tool for this exercise once you determine your individual Social Security payments from their site as it enables one to create multiple plans based on different claiming ages or other events.
For us, we’re not concerned about how much we’ll have at age 90; age 70 we’re relatively young, hopefully healthy and can fully enjoy things.
My advice — it’s not about how much you’ll have at the end — you probably won’t be able to enjoy it. With Social Security, ‘you can’t take it with you’.
As for RMDs, we’re a ways off from having to take these and I’m weighing the tax implications of converting some of our traditional and rollover IRAs to Roth.
While we each have a Roth, I’m mindful that someday there may be a change to the tax laws that lead to taxing these as well.
We’re already taking the income my wife’s IRA generates, and I will do the same when I turn 59 1/2.
Since our investments are our primary income source, our tax rate is fairly low, and that’s just how we like it!
After a brief consulting stint I did not return to paid work.
I started to enjoy the freedom, we were/are financially in a good place and the longer I wasn’t working, the harder it would have been to get back into the work mindset. And to even get to that point I would need to actually get a job!
That said, I still keep one eye open for something that may interest me outside of my profession and I may pursue one day but for now I’m not actively looking.
My wife is officially retired and she does not see herself going back. But like me, she keeps one eye open for something that she may find fulfilling i.e. volunteering.
For us, this was not as difficult as I thought.
We’ve set up our portfolio in such a way that we’re able to pay ourselves each month without having to sell assets for living expenses.
We can anticipate dividend and interest from our investments so we know what our monthly ‘paycheck’ is.
This provides something akin to the predictability of ‘payday’ when we worked.
While I look at our portfolio daily, despite market variations, dividends and Interest, our primary sources of income are fairly stable.
Well, I most certainly would have liked to have known it was coming!
I would’ve liked to get another year in, and there are things I would’ve done differently at work in order to leave on my terms, not theirs.
I think my wife would say the same thing.
Read books, newsletters, magazines and blogs that are retirement-focused.
This helped me know what I didn’t know and learn from others like me or faced with similar challenges i.e. Social Security, pensions (monthly payout vs. lump-sum, for example), paying for healthcare, taxes.
Had I not become an educated financial consumer I’d have been caught flat-footed.
2) Assume retirement will come earlier than you think, and not necessarily in the way you envision especially if you’re 50+.
The days of the gold watch, nice send-off with balloons and a cake are long gone.
More than likely, your boss, who’s probably younger than you, with Human Resources will be the one to tell you and you may not see it coming.
Or worse, you’ll start to see the signs and it’ll be ‘death by a thousand cuts’. If you’re prepared for the worst you’ll be ahead of the game.
It’ll still be jarring but at least you’ll have some measure of comfort that you’re ok.
3) Know your financial situation.
In particular, spending and future income.
Assume you’ll spend more than you plan for and have a line-item in your plan for the unexpected.
Leverage the various online tools — use more than one. I find Mint and Personal Capital to be invaluable to help with planning.
4) It’s easy to romanticize your job and towards the end, or even when you walk out the door you think about the good times, and how the bad times weren’t so bad after all.
That’s natural, but over time you’ll put these things in perspective.
If the good times were truly good (and for all of you I hope they were), you’ll have fond memories to share and reflect upon.
It’s easy to focus just on the good times and if you have the luxury of staying ‘one more year’ (absent financial circumstances), to do so.
I know it’s a time-worn saying but no one ever said, on their deathbed “If only I had spent more time at the office”.
5) Once you’ve developed and are comfortable with your plan, try not to compare yourselves to others.
Many folks like yourself have more, have less or have a different mindset than you.
The ESI Millionaire interviews are insightful — use these to learn, not necessarily to see if you measure up (or down) to people that may, on the surface be like you.
When you’re comfortable, ask yourself whether having x more money would significantly change your situation.
For me, sure I’d love to have more money — who wouldn’t — but I’m not sure I would do anything different. I wouldn’t live in a different house, drive a nicer car nor buy more expensive jewelry.
Plan to have enough to live the life you want and have enough of a cushion to take you through the rough patches.
Good luck and I hope all continues to go well. About 20 more months for my wife and me plan to join you and all the other happy retirees —-can’t wait.
As for the retirement blog, thank you for the compliment! Not sure my life lessons are unique – there are lots of folks out there with stories to tell – but if this can help one person then that’s a good thing.
Good luck to you and your wife. Retirement is another step in life’s journey.
I have heard others say they feared Roth tax changes. The only scenario that makes sense to me is similar to adding back Tax Exempt Interest. I do see that as possible, but in your scenario I think I would start making sure you got to the top of whatever target tax bracket you are aiming for to do some conversions. You didn’t really mention your expenses too much so its tough to guess. Perhaps I dwell on taxes too much in my own planning, but curious to hear your plan since you were so forthcoming with your other details.
Hi, thanks so much for the feedback, it was fun to reflect and to share.
Regarding taxes, I’m mindful of the tax impact of RMDs so I plan to determine the max amount to convert with the minimal tax hit. I’ve got a few years and with the proposed changes, a couple of more years as the age will raise from 70 1/2 to 72.
I love this new series, too. I get something out of each retirement post. Thanks so much for sharing your story.
This series is a great addition to the site and a very nice transition point from the millionaire series.
I have been overloading my cash position this year as I get closer to 50. I hate not having cash invested. But at the same time I feel I need to have a bigger cushion so I am not forced to sell stocks out of necessity.
Thank you again for being part of this series.
The one thing I wished you talked about is your expenses, living in the midwest, even with another house in the southwest. You talk about strategies for when to take Social Security, but why? You’ll never even need it. Same thing with the annuity. I’m curious as to why you thought you needed it. With a net worth of over $6M, you’ll never run out of money if you both live to 150!
With no children to live it to, you also didn’t mention legacy or charitable giving. You describe a very modest lifestyle (no trips around the world, etc).
It just seems to me that you’ve saved a lot more than you could ever spend in a lifetime.
I am also interested in R4’s expenses and spend-down plans. What are the expenses by category (even if it’s just ballpark) and how well does it balance out with asset allocation, growth and risk?
Any chance we can get this as a standard question? Perhaps something like “What are your expenses and spending plan as you progress through your retirement years?” I’d suspect different folks will have different plans (e.g. travel, charity, legacy, passion projects, etc.). Would love to see how different folks enjoy the fruits of their labor and how they thought through their ability to support these expenses. This is one of my biggest interest areas in this retirement interview series.
Y’all have done great for yourselves. A $7M net worth and you don’t have a desk, a commute or a boss. Dude, you didn’t get fired. You won!!!!
Thank you! I consider myself blessed. It didn’t end the way I had it scripted but (knock-wood) it will work out.
M24. I love this comment.
Retirement 4- you seem like a really good person. I just wanted you to know that.
Razorback summed it up very nicely…. “So insightful, honest and real”.
I’ll be honest, I’m approaching your age and have MUCH anxiety about my future. I “feel” young in many ways.. but I realize that is not the case. I’m in professional sales so there is always the risk of unexpected “changes”. I really appreciate your candor and feelings associated with your surprise “exit” from the work force. The idea of networking more is something I will work harder at… just in case!
But I’m more anxious about what it will be like not having work everyday. There is only so much tennis, gym and entertaining I can do. I just feel the need to be productive in some way and without work I fear the lack of structure will hurt me. Good thing for you and your wife is you’re in a great financial position so you have plenty of options!
I can understand your anxiety, I can recall being surrounded by folks that were younger, in higher leadership roles etc… and wondering where the time went. Being in Sales is, fortunately one of the more ageism-resistant fields. There’s always a need for folks with good relationship-building skills and this is something you should leverage to expand your network.
As for anxiety around not working there are lots of avenues to channel that energy and if you’re in a good place financially, you can relax and be choosy about your next endeavor.
RI-4, this was a great interview, largely because of your humility and honesty. Don’t beat yourself up to bad about how things ended in your career. You are part of a large club of people who have experienced exactly the same treatment, including yours truly. I was bounced out of the corporate world at 57, a little over 4 years ago. Fortunately, like you, we were financially independent at that point so the scars were more emotional than financial.
I helped found a startup with some former colleagues but I’m kind of phasing out of the day-to-day. It just doesn’t excite me like it used to. I’ve looked at a few opportunities recently but, like you, I’ve also experienced age discrimination and hate the whole interview process and fakeness that goes along with it. I’ve been a “runnerup” for two opportunities but neither went my way. I thought what I was after was more the challenge of another role, since we don’t really need the income, but I’m starting to just let go of that idea as well.
Fortunately, my wife has a VP level job that she really enjoys. Her salary and bonus + my pension cover our expenses and our benefits and she talks like she wants to work at least another 5 years so I’m fine with that as long as she is happy. It is a bit of a challenge when one spouse is effectively retired while the other is in full-blown career mode but I’m sure I can adjust accordingly. She is about 4 years younger than me, very fit and attractive, high energy, ridiculous work ethic and the best at what she does so I think the odds of her getting moved out any time soon are pretty low.
One thing I have learned, which you also point out, is the importance of achieving FI at least by your 40s. Once you hit 50, all bets are off and it really is a crap shoot as to how much longer you have control of your own work destiny.
In summary, enjoy the fruits of your labor. You won! You achieved FI and now get to live life on your terms. Your former friends and colleagues should be so lucky!
Thank you for the thoughtful comments, greatly appreciated. I’m sorry to hear that your corporate career didn’t end the way you would have liked, but like me, it sounds like you’ve got a great partner, and she is blessed that she’s doing something that she loves and is well compensated for it with a few years to go. Unlike us, it sounds like she can leave them, not the other way around!
Ageism is tough and I hear ya re the interview process. It’s a slog, especially for us elder statesman that are competing against younger and faster.
You’re in a great place. Enjoy the ride!
I too, as a fiftysomething, LOVE this series, and am learning something from each retiree. From their perspective on being retired, as to how they came to be retired. Our HH income has never been as high some have shared; but we have done a good job overall saving, and have NO debt. Healthcare is our primary concern.
Healthcare seems to be the #1 issue, as I gleaned from all the retirement interviews and on other blogs. It’s understandable as these can be daunting. Having no debt, in your instance should no doubt soften the blow.
It’s certainly the #1 retirement concern from millionaires I interview!
Enjoyed your interview and will be rereading it for ideas. My spouse is a few years older than you, and your difficulties echoed things I’ve heard from him. But you and your wife have done a fantastic job of landing on your feet. Also, it’s great that you have a small pension and retiree medical benefits–my husband’s company doesn’t offer those. I wish you and your wife all the best. I think you have a lot to share with others in whatever capacity you choose–maybe as a teacher or a volunteer. Perhaps you could volunteer at a local non-profit to teach struggling families how to budget and save? Or volunteer in the schools teaching personal finance and investing?
Thank you for the kind words. Yes, I think I still may have a ‘song to sing’ and perhaps teaching would be a good avenue. I enjoyed that aspect of my job so it may be something I’ll pursue.
This was a really honest interview and fun to read! I’d be shouting and screaming from the rooftops if I ever reach 7M net-worth but your humility is something to learn from. Difficult to why you consistently beat yourself over the firing, it’s an everyday occurrence in corporate America. As someone previously commented, You Won the Game! Time to start a new journey!
As someone in their early 30’s, I’d pay anything to sit with someone like you for a flat fee and take your advice on how to structure finances, financial goals, and advice on mutual funds and tax strategy. Traditional Financial advisors are out of favor among most of friends and colleagues.
I appreciate the kind words and I’m flattered that you’d think of me as someone to learn from! I think the best advice I can give you is to keep reading. It’s easy to name lots of books but I found the best way to learn was through publications like Morningstar, Money magazine and Kiplingers and of course, ESI Money! They are quick reads and have many great ideas for structuring a portfolio.
As mentioned, Mint and Personal Capital are two terrific tools for keeping you on track.
You have a ways to go, and the fact that you’re even reading Retirement stories speaks volumes – it’s great that you’re laying the groundwork now and that will serve you well as you approach retirement.
I have no doubt I will not have any problem transitioning to retirement (many hobbies, interests, and future goals), but I’m still anxious about the same issues as everyone else – will we have enough money to last our lifetimes, what will happen with healthcare, will our budget work according to plan, etc – so it give me hope to see another’s success. It’s great to see all your planning is paying off – revel in it!
And ESI – I LOVE this new series! I’m learning so much, and it’s reassuring to see how those with the same anxieties before retirement are doing so well, and are so happy in retirement!
Thank you for the feedback, greatly appreciated. The 102 weeks will go quickly, perhaps too quickly – summer, holidays, vacations whittle that number down and you’ll walk out with your head held high knowing you made it to the finish line.
Retirement, with proper planning can be fun and rewarding in its own way. The key is to not think of it as an afterthought but to plan, play what-if, imagine best and worst case to give yourself peace of mind. I think it was George Washington that said, “if I’m going to cut down a tree I’m going to spend hours sharpening the axe”. I’m sure I butchered the quote but hopefully you get my point!
I’m glad that my story resonated with yours, I’m in very good company.
It’s good that you’re giving more thought to the future and are educating yourself on what will be most critical to a comfortable future, financially and that you will be paying it forward through your children. No doubt they will, if not now, down the road appreciate your wisdom regarding retirement planning.
You did so well with your investments from 2015 to 2019 precisely because you went “against the grain”. I know this, you know this – but the majority of millionaires here don’t get this based on the comments I’ve seen. You have to be your own person, or you’ll be herded by the Bogle mentality that provides mediocre returns and makes it so much more difficult to achieve any upward mobility. And that’s fine if you want to be safe, but you won’t see great returns tracking the indexes.
Case and point, the low cost index fund craze. I own 12 mutual funds, only one is an index fund and it’s up a little bit over 16% YTD (3 1/2 months). Not very shabby at all. I have owned most of my funds for several years now. Of Fidelity’s 3,741 offerings, I own 4 of their top 25, with returns of 29.90-49.90 YTD as of today! I doubled the value of our IRA’s in the past 3 years (including contributions) and plan to keep this up until full retirement age in 21 years.
My most coveted fund is up over 30x since it’s low in 2009. leveraged to the Nasdaq (40.66% annualized 10 year return!). Wanting to commit $2M after the next major market correction – consider that math. Very powerful stuff if you take the bombardment of “safe” advice with a grain of salt and use common sense to get ahead.
Good for you for doing your own thing in all your financial aspects, this takes great courage that I don’t see often, but applaud very much when I see this rare, humble wisdom.
Sounds like you did well in the market and you’ve invested wisely. There’s risk-taking, and then there’s outright gambling. I’m thoughtful about the former, completely averse to the latter.
My individual stock holdings are a ‘greatest hits’ – names we all know with a long history of paying dividends. Not necessarily the most exciting but I’m glad they are a part of my portfolio and it’s all about the income now.
Good luck to you, I wish you continued success in the market.
Thanks Retirement4. I’m not smart enough to predict which companies will become the next greatest hits. Coupled with the increased risks associated with picking individual companies, I don’t think I have the knowledge, talent or experience to do this as well as you do.
I stick to mutual funds because the much more qualified fund managers (than I) decide when to enter and exit positions. I have found the funds I picked stay on top of the pack over the long term. I do not plan to introduce the $2M until after the next major correction, to minimize risk. Keep in mind this amount is only about 15% of my NW and about 2 years of income, a much smaller position than many take in the markets. If you read my interview, I am very aggressive about spreading risk between different investment vehicles outside of the markets. As a matter of fact, I currently have nearly $2M in CD’s and high yield savings, at no risk to principal. To me, adding significant positions at this stage of a bull market after the yield curve inverts is akin to gambling, but many will do this because the big fund companies tell them to continue dollar cost averaging into lofty market and thru bear markets, without independence of thought – it’s the grain. That’s okay, it will get people average returns with standard index funds. Just not enough for me at my current age.
Would you mind sharing what Fidelity mutual funds you are referencing? I would be interested to look the funds up. I have most of my money with fidelity. Thanks!
I see your link below. But what is your coveted fund? What is your top 4 out of 25? I would like to look at these closer.
My favorite fund, which I have owned for several years now is Direxion 2x Nasdaq (DXQLX). $1M invested a decade ago would be worth about $30M today. Per Fidelity, number 1 in terms of 10 year annualized return of 40.66%/year.
(This one is quite volatile as the Chinese stock market is volatile).
I personally would not buy them now that the yield curve has inverted, but I would seriously look at the most qualified sectors after the next major correction.
MI-119- please share the names of these funds? I’m very curious as I’m switching out of some weak American funds my old FP was helping with. I’ve always been a bit of a Bogle admirer as I hadn’t had much luck on my own… I think I’m ready to step up my efforts in research.
I do not intend to introduce any significant new positions until after the next major correction as the yield curve has inverted and we’re in a very mature bull cycle.
Short term performance is important, but long term performance (>10 year) is critical for me as I intend to hold stellar funds for the long term. Also, the numbers mean absolutely nothing if your timing of purchase is not well chosen. The best time to take a position is when there is blood on the streets, and to practice restraint is when you see euphoria.
I mentioned in my interview my preferred sectors, that has not yet changed since.
Very interesting… I’m waiting for the bloody streets!
Thanks… I’ll read up on these.
Thank you so much for providing such an open and detailed account of your transition to retirement.
This was an immensely useful read for me. I am in close proximity to your age and NW, but still slogging it out in a high-stakes MegaCorp career. I fully expect that if I continued on current trajectory, that somewhere in the next 2-3 years I would meet my career end in a similar fashion to yours, so having some perspective on how it usually goes down and the emotional content of the situation is truly helpful.
Perhaps a bit differently than your mindset at the time you were let go, I realize that I am pretty much FI – which provides peace of mind and allows me to not stress so much about it. My employer knows I’m FI too, which gives me a bit of leverage for the moment, as in “don’t screw around with me or I’m gone in 60 seconds”, but this will probably become a liability once my successor is seasoned and ready. I’d rather they canned me (for the nicer severance package) than me canning them, but we’ll see. Much of my pay is incentive comp, so really all they have to do is stiff me on the next bonus to send the message that its time – I would not put it past them, its a ruthless game.
In any event, I know that however and whenever it happens, I will be in shock and disoriented for awhile. My career progression has been decent, and I’ve had some great years and extraordinary experiences in my go-go days, but I never quite reached the level I would have liked, and so it’s not really going feel like an ending on a high note. I’ll be missed for a little while, I’ve mentored many and developed great relationships, but the machine will keep chugging along and will not miss a beat. That’s just the way it is.
I wonder what will be next. There is most certainly much ageism out there – and as a rampant form of discrimination it does not get the attention it should. Both wife and I feel a great need to be productive and useful, but we also want flexibility and work/life balance, which neither of us has had much of the past 30 years. I don’t think I’d take to full retirement well, but we’ll see.
At any rate, it is valuable to see how others are managing the transition. Don’t beat yourself up so much about the way you exited – many folks have had the same experience and if you ask me, sounds like you had a great run and made out quite well.
Hi, thank you for the feedback and comments.
While it sounds like you’re in a good place, your comment “don’t screw with me or I’m gone in 60 seconds”. I certainly felt that way at certain points, and it never worked out well. No one is indispensable. I’ve often heard it said, “better for a company to leave you, than to you leave them” but again, they have the control over how much of a send-off they give you, financially so my advice is to be humble, dedicated and a good employee, friend to all.
If and when the time comes to move on – either by your choice or theirs – take a deep breath, spend some time playing hooky, doing those things you never had the chance to do during the week and enjoy the sunshine. Your next endeavor will be there, no need to rush things.
Thanks, I completely understand where your perspective is coming from, and I’ve seen many people overplay their hand as you warned. But, I’m the sort of situation where “humble” (strictly from a professional, not personal perspective) does not get you very far. Dedicated and hard-working absolutely, yes, that is a minimum expectation. But as I have often tell my spouse, I am always one major error from the unemployment line (and at my level of responsibility all my decisions are major ones). It’s just the way it works in my realm – I have to be among the best at what I do simply to keep my job. So, I’m only as good as my last decision. To some extent, survival for +25 years in these shark-filled waters is a feat unto itself. I’m reminded every day that no one is indispensable and when I start to slip and my efforts cease to add to bottom line profits, I trust that the ax will come swiftly. Until then, I leverage whatever I can to be compensated at a level that makes it worthwhile.
Thank you for sharing so many insightful and honest comments. Your comments make me feel much better about our retirement and financial situation.
I can understand your comment about retiring a bit early but you handled the “retirement” gracefully with planning with your manager. I was discussing retirement with my husband and age 55 was the magic number due to the retired healthcare group health, similar to yours. My manager offered me a new position, pay increase and couldn’t understand why I kept saying no thank you to the added work. After 2 months of pressure to change jobs, I told him about my early retirement and was able to work until age 55, so that worked out well. My husband retired a few months after I did.
I haven’t found a financial planner yet, but do want assistance with a review of withdrawal plans for our 401k, ROTH IRA, etc. Similar to you, we live off dividends, interest and haven’t touched any of our principal. I have a small pension which pays for our retired group medical plan. Expensive, but I am happy to have the option to buy. Does your financial planner provide assistance on tax advantages? I’m not sure what type of person I need to interview and hire (CPA, Financial Planner, etc). I have a sizable 401K and thinking about converting to a ROTH due to tax advantages during the next 3 years. But we don’t have children, so not sure if there is benefit in paying taxes now and having reduced taxes during the RMD years. Taxes normally go up in the future but paying early now might not help us much.
Your comments about social security is helpful. We keep playing with the numbers too and perhaps will utilize the tools you mentioned. CDs are great, I feel a bit old fashion having cash and CDs but there is safety with liquid money. We are updating our investments to only have individual, mutual funds, ETFs that give us our retirement paycheck.
You didn’t mention wills or trusts. Would you be able to share? We set up a trust in case there were issues between the inheritors attempting to probate. Seems like people can change when money is involved, so we wanted to prevent that from occurring.
Your new lives sound perfect. Being with your wife, running errands when others are working, eating out with friends and enjoying life. My husband and I still reflect to each other, “we are out in the afternoon and others are working”. Never apologize for being happy and relaxed. Sometimes it is hard to find friends that can understand your new life, but be happy and do what makes you and your wife smile.
Loved reading this. A bit where I am. CPG, insight and analytics director, after yeArs of solid performance, feel like the company would like me gone. I’m not quite ready to be done though. Waiting to see how it all works out.
I’m always surprised that the wills and trusts issue/question doesn’t come up more often or isn’t a part of the interview. In the “Findings from 100 Millionaires” post, ESI found that most did not have an estate plan. And even those who said they had talked/thought about the issue often did not have a formal plan.
So I’m also wondering if the retirees will follow a similar pattern — would love to see the question added.
I’ve witnessed the process of settling a couple of ~$1mm estates, so can only imagine what can happen in a multi-million dollar estate. The sharp daggers come out in surprising ways and from unexpected corners. Nothing can fracture and destroy a family faster than the infighting that can occur towards end of life and after death of a parent and/or a strong family patriarch or matriarch. Sometimes its not just about the money, it’s also assets with nostalgic value. Probate can be somewhat of an emotional battlefield when you think about issues of selling a family home or splitting up (or selling off) artwork, jewelry, photos, etc.
1) A really really experienced attorney, preferably one that specializes in estates. The general practitioners are good at small estates, but often lack quite a bit of technical knowledge when it comes to designing and actually settling a complex estate. What I saw was that the generalists somewhat outsourced the settlement process to para-legal contractors who were not especially competent. Having seen the problems this created, we went with an estate specialist at one of the big law firms because not only is he renown in the field, but his firm would be capable of providing plenty of back-up resources and support to the surviving spouse or (in case we both perish in an accident) our executor. Yes, he’s very expensive, but over time we’ve found the quality of advice and peace of mind that brings to be well worth it.
2) Choose your executor carefully. I know this sounds like stating the obvious, but being an effective executor for a complex estate and/or complex family situation will require a host of different skills. Clearly it has to be someone you trust, but also someone with some business and financial skills, who is comfortable dealing with legal matters, who knows your family situation well enough, who understands your wishes (as you can’t anticipate everything and they will have to use their judgement), who has enough backbone to keep everybody from tearing each other apart, and who has enough empathy to understand their grieving process.
3) A well-crafted, clear estate plan. Needless to say, finding the strong attorney is key to this one. I believe the more clear one can be about their wishes and intents, the easier for everyone.
Even the best laid plans can go awry and it is difficult to predict the circumstances of our own demise. I find that we need to update our plan every 2-3 years – for sure it is not a set it and forget it sort of thing.
One should also consider the possible circumstances leading up to death – healthcare representatives, power of attorneys, these things need to be in place BEFORE you need them. A lot of assets go missing before you even get to probate – this happens more often than you would think.
In part the plan is not just about taking care of us, it’s about easing the burden on our families and loved ones too.
MMiguel: you listed some very good reasons why an estate plan with a trust is important. I was the executor for my mother’s estate and she had several trusts. Over the years, I met her attorney, understood my mother’s wishes and had her living close to me so following her plans went well. My spouse didn’t understand the value of an estate plan since he never experienced the complex documents and potential situations. After his mother passed with a simple will and inheritors began fighting, he agreed quickly to creating our estate plan. Money no matter how much can change people.
CB: Sounds like your mother really knew what she was doing, or at least had some very good advice. Plus, if a recall correctly from prior posts, your business background would have contributed to things going smoothly.
Parents of wife and I are all deceased now. We had similar experiences to yours – on my side there were not a lot of assets, but the will was probably 30 years old and practically unintelligible. There was no power of attorney or healthcare proxy either to deal with illness before death – that added a lot of stress to an already stressful situation.
On wife’s side, we nudged her parents into getting everything in order, and when the the last to die became unable to care for themselves, we were able to step in at just the right time, and take care of them and their affairs, before and after death. Having a clear and decisive decision-maker was critical to being able to provide appropriate care in the latter stages of illness.
I cannot emphasize enough, and I’m sure you get it, that the plan needs to consider not only death, but all the potential issues that can arise before that. Absent an accident and stroke, for the elderly, there is usually a slow decline, and a “grey” zone where physical and cognitive abilities are diminished to the point where they cannot make decisions for themselves. It’s a tricky dance because the nature of cognitive decline makes it difficult for the affected individual to recognize their own condition.
If there is not a clear plan, responsible party, and legal docs to back it up, that power vacuum tends to attract all kinds of unsavory types, ranging from sketchy family members with financial agendas and/or emotional issues to outright scammers and grifters.
I know it sounds over the top, but there is a proliferation of multi-million dollar scams out there targeting the elderly. Everything from fake charities to medicare fraud. It’s pretty bad, and we had to spend an enormous amount of effort just protecting our parents assets from all this. I hate to be such a downer, but I’ve seen all this up close – maybe too close. Goes without saying that millionaires are going to be bigger targets.
Ok, I’m starting a new policy — no one can suggest a question be added unless they suggest which one is deleted! LOL!
I know it would be great to add about 10 different questions, but these people already answer so many (most of the posts are 3k to 4k words) that we’re at the breaking point of who will even volunteer.
LOL, ok I get it. Not exactly the most upbeat and inspiring question to be asking. | 2019-04-19T12:30:35 | https://esimoney.com/retirement-interview-4/ |
The Library’s closure went largely unremarked, apart from a segment or two on the nightly news. Our screens filled with colored bars charting the inevitable: Maintaining books was too expensive. The city budget had been slashed. Key supporters had left the Library Board. In the live shot from downtown, the lights of the front lobby streaked the pavement beyond, despite the hour. Such waste was precisely what led city auditors to recommend closure, noted the reporter, pushing fruitlessly for effect at the pane of a sliding door.
Many of our last Library visits were years ago, for school, and these we remembered for reasons having nothing to do with the Library itself—the novelty of leaving class in the middle of the day, the teacher’s distraction as we boarded the bus, our chatter ignored as she counted heads, the free boxed lunch sealed with the arched golden emblem familiar from birthday parties. Perhaps we were, briefly, enthralled by the taxidermy displays on the second floor, the moose and calves grazing at the base of a waterfall, the shadows of snake and badger against the starkness of desert sand. But soon enough, we snickered knowingly at the artifice of painted backdrops and plastic vegetation, the anatomy bared in tableaux of nursing animals or prehistoric caves. We looked overhead, as instructed by an associate librarian, at the whale skeleton suspended over the entrance of Science and Technology. Mistaking obedience for attention, he proceeded fastidiously through the specimen’s provenance and natural history. The pallor of rib and mandible blurred as we fixed on the skylight far above, where the sun’s slow tilt teased us with the hours remaining before our release to dusky driveways.
The closure was an unfortunate necessity, we all agreed. Were there any way to stop it, we would certainly do our part. Some of us began petitions and fund drives, even as the first public works vehicles arrived to clear the collections for demolition. We happily lent our signatures and spare change. But when the news reported their failure—often by wide margins—we had to resist the urge to gloat. We had always chafed at the Library’s stillness and sterility. We could see now, not without some shame, that we wanted the Library gone, its vitrines shattered, its artifacts discarded, its volumes surrendered to wind and rain.
The problem started small. As work approached its seasonal apex, as reverie yielded to family routine, it was hard to recall the last time we had scanned the sky for the Library’s tessellated dome, the stilled face of the inset tower clock. From behind treasured picture books read as bribery for sleep, between nightcaps hoisted to televised laughter, we could feel the Library’s vacancy. Nostrils filled with the musk of marbled pages; fingers idled, remembering the crisp cards of the outmoded catalog, the texture of continents as we spun the globe in the street-level atrium. We came to ourselves in slippered feet, peering out through the gaps in closed curtains.
The intrusions proliferated, forming paths the further we pursued them. Over the straps of cocktail dresses and smoking cigars, glanced askance as we checked wallet phones, the ridges of an old volume emerged in our line of vision. Above restaurant booths, in a corner we hadn’t noticed before, a stuffed wombat from the time of Cortez, a twig bearing a hummingbird nest, a ten-cent piece inset for scale. We took our time coming back from the lavatory to confirm what we had seen. Indeed, the book spines and pedestals bore numbered labels typed long before we were born. The City seal appeared in purple ink at the fore edge of closed volumes.
The more we found of the collection—in pawn shop windows, outdoor bazaars, waiting rooms—the more vivid and inscrutable the uncollected, which piled at our feet in windswept detritus, and rose to the sky in towering opacities. The pigments on a pottery shard, the legs of a dung beetle, the oar recovered from the last great disaster at sea, all hinted at a secret order, now dispersed invisibly throughout the quadrants of the city.
Dissembling a growing panic, we approached the city’s representatives themselves. What had happened, we inquired, to the Library’s collections, so vast and comprehensive that a full catalog was never completed? We had no plans to claim any of what remained; to possess a mere volume or artifact would only recall the missing whole.
The contents had been claimed, we were told, before the call abruptly cut.
Popcorn and concession candy staled as we recognized the map pinned with a fictional president’s campaign strategy in the latest war room thriller. Volumes lent credence to law offices, hotel lobbies, bank vestibules, furniture displays. We stared through transparent reflections at the growing array.
We gathered outside the abandoned Library. If we encountered any barriers warning of impending demolition, they fell with little effort. The revolving doors spun smoothly as they gathered us towards the central stairway. We ascended the bowed marble, faster as we reached the top. Before us rose a ziggurat of empty shelves, diminishing to a point far above. The spaces between were wider than we remembered when, as children, we could barely run a finger between the bottom of one shelf and the row of books below. We tested the lowest rung. The surface was firm, withstanding the pressure of hands and feet. With some effort, we folded ourselves into place, nestling back against the dark concrete, the coolness of metal bracing our heads.
Pedro Ponce is the author of Dreamland, a dystopian noir novel that is being published in serial form by the Satellite Collective’s online journal Transmission. | 2019-04-21T06:59:49 | http://newflashfiction.com/pedro-ponce/ |
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Bok Van Blerk respects your right to privacy. Should you sign up to receive our newsletter, your information will remain confidential, and will only be used for this purpose. Data is not supplied to third parties. We take all steps to protect your information from misuse and to keep it secure. Bok Van Blerk complies with all South African legislation pertaining to data management and protection. If you have reason to believe that your data has been misused, please contact us immediately. | 2019-04-18T15:24:38 | https://www.bokvanblerk.co.za/privacy-policy/ |
Yuval Gazit heads the firm’s strategy and planning function, which provides analytical decision support to firm management on a multitude of strategic topics. Yuval’s team also provides leadership and support for a wide range of strategic initiatives at the firm, practice and office levels. Such strategic issues include practice-specific growth strategies, geographic expansion, attorney capacity planning and change management. Yuval is a member of the firm’s staff senior leadership team, reporting to the chief operating officer.
Prior to joining Ropes & Gray, Yuval spent more than 13 years at the Boston Consulting Group in a variety of consulting and management roles. He holds a bachelor’s degree in physics from Tel-Aviv University and a PhD in medical physics from the Massachusetts Institute of Technology. | 2019-04-19T01:03:47 | https://www.ropesgray.com/en/biographies/g/yuval-gazit |
dot | Drum It Up!
Superior drums start with superior people. Skolnik is more than a steel drum manufacturer, we’re an expert resource and industry guide. The Skolnik team is always available to answer questions and guide our partners to the best container and solution for their needs.
We’re industrial packaging manufacturers who hold our products and service to a higher standard. Our steel drums are built thicker, heavier and stronger than the industry standards, and our service extends far beyond the manufacturing process, because the industrial packaging industry extends far beyond the manufacturing process.
Our team of experts is constantly plugged-in to the transportation, storage and regulative landscape. We’re a resource for transportation information and insights and strategic storage solutions. We know the past and present of our industry and keep an eye on the future. We encourage questions and curiosity, and we’re always happy to help.
At Skolnik, we are committed to delivering steel drums that are not only strong, reliable and compliant, but that are the perfect container for our partners unique needs, materials, goals and challenges. So yes, we’re a storied steel drum manufacturer. But more than that, we’re a partner.
The 55 gallon drum might be the workhorse of containers, but the 30 gallon is gaining popularity, particularly in cities and growing businesses where space is at a premium. Why? Because a 30 gallon steel drum is more stackable.
Could you stack 55 gallon drums? Skolnik stainless steel drums are built heavier, thicker and stronger than the industry standards demand, so yeah, probably. But how are you going to access them? Do you really want to lift a 55 gallon drum up off of another 55 gallon drum? I thought not.
Smaller drums are easier to stack and easier to move. In general, businesses are expect to do a lot with a little. Whether that’s budget or space or both. In addition to being more small-space-friendly, our 30 gallon steel drums meet the same stringent guidelines regulated by the UN and Department of Transportation.
Whether you need to store them or ship them, a 30 gallon container is the definition of small but mighty, and with an added dose of convenient. Plus, two 30 gallon drums gives you 5 more gallons of storage than the beloved 55 gallon container anyway.
Salvage drums have long been used as overpacks for the efficient and effective transport of damaged, defective or leaking containers. However, according to the DOT, salvage drums are NOT to be used as a secondary container, or overpack, for a primary shipment.
Rather, an overpack salvage drum should only be used for damaged, defective, leaking or non-compliant packagings that are discovered after having been placed in transportation.
In 1998, the ‘T’ Salvage drum became the United Nations’ recommended salvage packaging for international use. It is most commonly an 85 US gallon capacity. To bear the UN certification, overpack salvage drums are rigorously tested. They must be able to be dropped 1.2 meters (4 feet) on its most critical orientation without leaking and pass a 30 kPa overall Leakproofness Test. However, while they are certified to hold non-compliant packages in transport, the DOT recommends that, once overpacked in a salvage drum, a non-compliant container should be routed to a facility for disposal or re-containment. You can never be too careful.
And remember, traditional overpack drums are designed to protect non-leaking containers or to be used in a combination pack, they are not certified to hold damaged/non-compliant containers. | 2019-04-21T18:36:23 | http://www.skolnik.com/blog/tag/dot/ |
As the Derby Depot filled with spectators, the atmosphere out on the track seemed rather friendly, as skaters on both teams did synchronized exercises, goading and teasing each other on in speed trial warm-ups.
Not only was this bout a rematch between Wasatch Roller Derby teams Hot Wheelers and Black Diamond Divas, but it was also a charity match. Forty-percent of the net ticket proceeds went to Camp Hobe, a summer camp designed for children with cancer and their siblings.
As the first half started, it seemed very reminiscent of their last match. Black Diamond Divas jammer Bruiser Ego started off with a fifteen-point power jam while her opponent, Colonel Skirts was sent the penalty box.
Black Diamond Divas started off the next few jams with a very hard, aggressive strategy, it was all The Hot Wheelers could do to just keep up. By jam 7 there had been quite a few scrape ups, but it was still BDD in the lead.
In jam 8, Bruiser Ego, back from her large scoring streak in the first jam, showed off her very impressive skating skills, slipping through the pack like the proverbial snake in the grass. She was helped by teammates Skatey Gaga and others, accruing a whopping 20 points, ending the jam at a score of BDD's at 46 to The Hot Wheelers 7.
Later in the week, Hot Wheeler Sarin Gasp! got a whip out of the pack by Smackand Deckher and became lead jammer, while Pandora Doom of BDD still struggled to get out of the pack to start her scoring run. Unfortunately, she was not fast enough, as Sarin Gasp! lapped the pack twice, getting 10 points for her team.
If there was a single player that seemed to shine in this match, it would have to be BDD's Bruiser Ego. Her impressive skating definitely wowed the crowd, always scoring double-digit point streaks. Even Hot Wheelers fans had to be impressed by this seemingly unstoppable Diva.
Hot Wheelers were not to be cowed by the BDD's already impressive lead. They kept taking small bites out of the jams, trying to catch up in points. By half time, the Divas were still in the lead at a score of 64 to 39.
The half time show was split between two events: Camp Hobe informing us all about what it is they do and how they do it, and The Uinta Madness men’s roller derby, putting a little show on for the crowd. They wowed and astounded us with feats of jumping inanimate objects at first, small things starting from small traffic cones to industrial-sized trash cans turned on their sides. Then after the "small stuff," the lovely women counterparts of the men’s team, The Hot Wheelers, graciously volunteered their bodies to be laid out on the track and jumped, starting with Harry Slaughter. Eventually, there were four people laying out on the track, including the new furry mascot for Wasatch Roller Derby, Sassy Sasquatch.
The second half was just vicious. Hip checks, trip ups and penalties abounded as both teams tried to rip each other apart.
Bruiser Ego shone again in the second half with the aid of her teammates. Jam 19 was a perfect example of this, as her blockers corralled the Hot Wheelers to the inside of the track in the second turn, letting Bruiser skate by unscathed, racking up a double digit score of 15 points.
As the game went on, you could tell that the skaters were becoming exhausted. They were still skating their hearts out, but the intensity was just wearing them down. With five minutes left in the game, the score was 101 to 80 with BDD still in the lead. But as it is with derby, it still could have been anyone’s game.
The crowd was definitely getting vocal in their criticisms of some of the refs calls, especially when players were being called on multiple track cutting penalties, which sent many a player to the penalty box.
During one of the last jams of the night, Clam Jammer of Hot Wheelers racked up some much needed points, dodging and ducking through the pack, scoring 20 points! Unfortunately, it was to no avail as the Black Diamond Divas were once again triumphant at a final score of 109 to 104.
The next home game features the Bonneville Bone Crushers against Montana's own Magic City Rollers at the Derby Depot, March 24 at 7 p.m. For more information about their home games or the charities that Wasatch Roller Derby is involved in, visit their website. For more info on Camp Hobe, click here. | 2019-04-20T22:25:52 | https://www.slugmag.com/roller-derby/wrd-skater-smackdown-black-diamond-divas-vs-hot-wheelers-03-10/ |
There are a few ways to select and deselect objects in Blender: To select an object: click it with the right mouse button. To deselect an object: shift-click it with the right mouse button. To toggle selecting all objects or no objects: press the A key. Deleting Objects. You’re here to design a mushroom, not a sugar cube, so you’ll need to get rid of the cube from your scene. If the cube... Hi there, in this tutorial I'll show you how to repeat an object along a path in Blender.Enjoy! Step 1 Select the object that you want to repeat along the curve and press CTRL+A and apply the rotation and scale.
Well it looks like ctrl+L won't do it. You could try joining all the objects into one, add physics, then in edit mode, P to separate by loose parts. | 2019-04-18T21:03:21 | http://blockchainhispano.com/saskatchewan/how-to-add-an-object-to-blender.php |
or stage of activity in life, the choice must vary.
Which will help a person grow at the body and mental level?
So as such it should be Sṛṣṭi Krama for a certain level of people.
In old times. up to the age of 24 years should be in the direction of Sṛṣṭi Krama.
In other words more risk taken with the body, more ability to grasp ideas.
i.e. Vinyāsa almost like gymnastics.
Not suitable for older person starting Yoga.
This entry was posted in All Yoga News Views & Blog Journal Posts, Desikachar 1983 France, Desikachar Collected Quotations, Desikachar Seminar Quotes. Bookmark the permalink. | 2019-04-25T18:20:23 | https://yogastudies.org/2013/03/so-as-such-it-should-be-srsti-krama-for-a-certain-level-of-people/ |
Fritz Jacob, professor at the beer university in Weihenstephan/Germany and his team at the Research Center Weihenstephan for Brewing and Food Quality (BLQ) started now a new initiative to make up names for the most common yeast strains. The researchers found out, that barley and hop varieties bear catchy names while yeast strains are usually only named by numbers.
In a time when more and more breweries create new beer types by using different sorts of malts and hops, which are often mentioned on the beer label, the yeast strain is usually concealed because of the cryptic designation. Given the fact that up to 80% of all flavor components derive from the yeast metabolism, the significance of yeast in the consumers opinion is therefore severely underrepresented.
In order to increase attention on yeasts, which are often considered as brewer’s stepchildren, the German beer specialists have now given the most common yeast strains easy to remember names.
The most often used yeast for producing Bavarian style wheat beer was for example named LeoBavaricus-TUM68 (Bavarian lion). Also others like Frisinga-TUM34/70 (Freising) and Hibernia-TUM508 (Ireland) were called following their geographical origin.
Other names refer to the type of beer produced from the yeast like Colonia-TUM177 (Kölsch) or Vetus-TUM184 (Alt). Most names of the remaing yeast strains are related to special characteristics of the yeast like Nebulosa-TUM66/70 (powdery yeast with low flocculation), Pressus-TUM194 (high pressure resistant yeast) and Accretio-TUM195 (quick cell reproduction).
For the purpose of reference and continuity, the old numbers still follow the new trademarked names.
Jacob and his institute, who does not only provide scientific studies and chemical, physical and microbiological analyses for the brewing and beverage industry, also propagate more than 200 different pure yeast strains for the yeast management in breweries, wineries and distilleries. This does not only include common varieties like the renamed Frisinga-TUM34/70,which is a bottom fermenting flocculating beer yeast, but also more exotic yeast types for the production of Belgium lambic beer or chicha maize wine from Costa Rica. | 2019-04-25T23:50:20 | https://www.inside.beer/news/detail/germany-beer-researchers-make-up-catchy-yeast-names.html |
This course requires concurrent enrollment in CDEC 1317. Attendance is MANDATORY for all six classes. You must work in a licensed child care facility.
NOTE: CDEC 1167.41301 Co-Requisite: Student must also be enrolled in CDEC 1317.41500 and be working in child care facility.
NOTE:CDEC 1167.41305 This course is restricted to GRANT students only. Meets 11/7 -12/19.
This course requires concurrent enrollment in CDEC 2322. Attendance is MANDATORY for all six classes. You must work in a licensed child care facility.
NOTE: CDEC 1303.41001 This course requires 16 hours of observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1303.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Sandra Scott, sandrascott@dcccd.edu or 972-860-7041.
NOTE: CDEC 1303.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Sandra Scott, sandrascott@dcccd.edu or 972-860-7041.
NOTE: CDEC 1303.41500 This course requires 16 hours of observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1303.91401 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Sandra Scott, sandrascott@dcccd.edu or 972-860-7041.
NOTE: CDEC 1311.41001 This course requires 16 hours of observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1311.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Sandra Scott, sandrascott@dcccd.edu or 972-860-7041.
NOTE: CDEC 1311.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
This course requires concurrent enrollment in CDEC 1167. Attendance is MANDATORY for all six classes. You must work in a licensed child care facility.
NOTE:CDEC 1317.41255 This course is restricted to GRANT students only. Meets 11/7 -12/19.
NOTE:CDEC 1317.41256 This course is restricted to GRANT students only. Meets 11/7 -12/19.
NOTE: CDEC 1317.41257 This course is restricted to GRANT students only. Meets 11/7-12/19.
NOTE: CDEC 1317.41261 Meets 12/3,12/12 and 12/19. This course requires 26 hours in community child care centers.
NOTE: CDEC 1317.41262 Meets 12/3,12/12 and 12/19. This course requires 26 hours in community child care centers.
NOTE: CDEC 1317.41500 Must also be enrolled in CDEC 1167.41301 This course requires observation.participation/assignments in child care setting in addition to class time. This course also requires that student be working in a child care setting.
NOTE: CDEC 1318.41001 This course requires 16 hours of observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1318.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Sandra Scott, sandrascott@dcccd.edu or 972-860-7041.
NOTE: CDEC 1318.41461 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1318.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1319.41001 This course requires observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1319.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Sandra Scott, sandrascott@dcccd.edu or 972-860-7041.
NOTE: CDEC 1319.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402.
NOTE: CDEC 1319.41500 This course requires observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1321.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1321.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: CDEC 1339 or 1354. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402.
NOTE: CDEC 1323.41300 Orientation: September 3,2015 4:00-6:00pm K129. Self-paced with periodic seminars meeting on Thursday afternoons from 4:00-6:00pm thoughout the semester TBA-This course requires observation/paeticipation/assignments in the community in addition to class time.
NOTE: CDEC 1323.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1323.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1354.41001 This course requires observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1354.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1354.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC-1354-41500 This course requires observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1356.41300 Orientation: September 3,2015 4:00-6:00pm K129. Self-paced with periodic seminars meeting on Thursday afternoons from 4:00-6:00pm thoughout the semester TBA-This course requires observation/paeticipation/assignments in the community in addition to class time.
NOTE: CDEC 1356.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1356.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1358.41300 Orientation: September 3,2015 4:00-6:00pm K129. Self-paced with periodic seminars meeting on Thursday afternoons from 4:00-6:00pm thoughout the semester TBA-This course requires observation/paeticipation/assignments in the community in addition to class time.
NOTE: CDEC 1358.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1359.41001 This course requires observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1359.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1359.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 1359.41500 This course requires observation/participation/assignments in the community in addition to class time.
NOTE: CDEC 1413.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
CDEC 2286 requires instructor approval. MANDATORY on campus meetings in Room E140, from noon-1:30 p.m. and subsequent meetings on Sept. 1, Oct. 6 and Nov. 3. For more information, call Johnny Castro at 972-860-4136.
NOTE: CDEC 2286.41300 Orientation: September 1,2015 7:00-9:00pm K129. Self-paced with periodic seminars meeting on Thursday afternoons from 7:00-9:00pm thoughout the semester TBA Prerequisite: CDEC 1303,1311,1318,1319,1323,1354,1356,1359,1413 and TSI reading. -This course requires 100 hours of participation with a variety of age groups of children. For more information,contact Susan Wyatt at 972-860-7620.
CDEC 2287 requires instructor approval. MANDATORY on campus meetings in Room E140, from noon-1:30 p.m. and subsequent meetings on Sept. 1, Oct. 6 and Nov. 3. For more information, call Johnny Castro at 972-860-4136.
NOTE: CDEC 2287.41300 Orientation: September 1,2015 7:00-9:00pm K129. Self-paced with periodic seminars meeting on Thursday afternoons from 7:00-9:00pm thoughout the semester TBA Prerequisite: CDEC 2286. This course requires 100 hours of participation in a child care setting. For more information,contact Susan Wyatt at 972-860-7360.
This course is taught partially online and meets on Mondays in Building E, E145; on campus schedule will be announced on the first day of class Aug. 31. Please log on to onto http://ecampus.dcccd.edu and follow the login instructions. For more information, call Johnny Castro at 972-860-4136 or email jCastro@dcccd.edu.
NOTE: CDEC 2304.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 2307.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 2307.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
Attendance is MANDATORY for all classes.
NOTE: CDEC 2315.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 2315.41470 ONLINE Begin date 9/28/15 End date 12/17/15 Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
This course requires concurrent enrollment in CDEC 1168. Attendance is MANDATORY for all six classes. You must work in a licensed child care facility.
CDEC 2326 is an online course. Please log onto http://ecampus.dcccd.edu and follow the login instructions. For more information, call Johnny Castro at 972-860-4136 or email jCastro@dcccd.edu.
NOTE: CDEC 2326.41300 Orientation: September 1,2015 4:00-6:00pm K119. Self-paced with periodic seminars meeting on Tuesday afternoons from 4:00-6:00pm in K119 thoughout the semester TBA Prerequisite: Successful completion of at least 2 CDEC courses and TSI reading. This course requires observation/participation/assignments in the community in addition to class time. For more information,contact Susan Wyatt at 972-860-7620.
NOTE: CDEC 2326.41460 ONLINE Prerequisite: 2 previous credit courses. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
NOTE: CDEC 2328.41300 Orientation: September 1,2015 4:00-6:00pm K119. Self-paced with periodic seminars meeting on Thursday afternoons from 4:00-6:00pm in K119 thoughout the semester TBA. Prerequisite:CDEC 2326 or instructor permission. This course requires observation/participation/assignments in the community in addition to class time. For more information,contact Susan Wyatt at 972-860-7360.
NOTE: CDEC 2336.41460 ONLINE Prerequisite:CDEC 2326&2328. ALL CDEC,EDUC and TECA courses require observation,participation, and/or assignments in the community in a variety or settings. To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Susan Wyatt, susanwyatt@dcccd.edu or 972-860-7620.
CDEC 2380 requires instructor approval. MANDATORY orientation on Thursday Sept. 3 from 12-2 p.m. in Room E140.
NOTE: CDEC 2380.41460 ONLINE Prerequisite: All CDEC courses in the Child Development AAS (except 2286 and 2287) or all courses CDEC courses Child Development Teaching Careers certificate.To access the course, go to http://www.ecampus.dcccd.edu or call Tech Support at 972-669-6402. For more information, contact your instructor Sandra Scott, sandrascott@dcccd.edu or 972-860-7041. | 2019-04-22T23:57:58 | http://econnect.dcccd.edu/econnect/ArchiveSchedule/Fall.2015/prefix/CDEC.html |
Pilar Goncalves, 22, with her husband, was told she had Zika virus, which health authorities suspect may be linked to a rare birth defect. After a blood test, she was "desperately relieved" to be given the all-clear.
Brazil's Ministry of Health made an unprecedented announcement this month: It told women in the northeast of the country not to get pregnant for the foreseeable future.
And it's all because of a mosquito — the Aedes aegypti species, which can spread a variety of diseases, including Zika virus. Health experts in Brazil are concerned that the virus, whose symptoms are typically a low-grade fever and bright red rash, might be having a devastating impact on newborns.
"Normally in a year you'd have maybe three or four cases," he says by phone from his home city of Natal in Brazil's north. "In 24 hours when we asked around, there had been 11 in the city. And that was a shocking enough number that we realized something very serious was happening."
It's not clear when Zika arrived in Brazil, though some doctors speculate it could have come with African visitors during the World Cup.
Initially, it wasn't a concern. Normally, Zika is not a serious infection, unlike malaria and dengue, for example. People are ill for a few days and generally recover.
Brazil's Ministry of Health says there is now a suspected link between Zika and the cases of microcephaly in infants.
"Everyone involved in this is extremely concerned about what could happen," says Luz. "We don't yet understand this illness."
The Health Ministry is now working with the Centers for Disease Control and Prevention and an arm of the World Health Organization to figure out what is going on. In the meantime, six states in Brazil have announced a state of emergency. There are 1,761 cases of microcephaly; many more are expected as Brazil's Health Ministry says more than 1 million people could have contracted the virus.
"It's an enormous concern because of the children," she said.
But experts say the mosquito came back after those measures were relaxed. These days it's everywhere. Beyond Zika, Brazil is actually suffering a dengue epidemic right now as well, with over 1.5 million cases in the country.
But it's not clear why Zika virus could be having this effect on fetuses.
"It's a mystery for everyone. We only just started looking into this a month ago," says Denise Valle, a researcher and entomologist at Fundacao Oswaldo Cruz, a leading scientific research center in Rio de Janeiro, who studies the Aedes aegypti.
"I've been an infection specialist for more than 40 years and I've never been through such a period of stress. If we don't get a handle on this, we are going to have a generation of damaged babies," she warns. | 2019-04-21T00:27:08 | https://www.wbez.org/shows/all-things-considered/why-brazil-doesnt-want-women-in-the-northeast-to-become-pregnant/99326b50-7759-4718-8be6-f3aec0cd55e4 |
Large reservoirs of magma stored deep in the Earth's crust are key to producing some of the Earth's most powerful volcanic eruptions, new research has shown.
Large impacts were common on the early Earth and were likely much more important than previously thought in shaping our planet.
From long jets to massive explosions of solar material and energy, eruptions on the sun come in many shapes and sizes.
One of the largest colonies of gentoo penguins in Antarctica was decimated by volcanic eruptions several times during the last 7,000 years according to a new study published in the journal Nature Communications. | 2019-04-26T02:44:45 | https://www.brightsurf.com/news/article/080618462609/could-climate-change-affect-the-development-of-turkic-khaganate.html |
Illinois Soybeans: How Can You Make Up for Poor Seed Quality?
This year many in the Illinois agricultural community have had questions and concerns regarding soybean seed quality. If you recall, many areas in Illinois suffered from persistent late season rains which delayed harvest by several weeks. Unfortunately, these wet conditions also favored infection of soybean seed by fungal diseases.
In Illinois, the most commonly observed organism associated with seed issues was Phomopsis seed decay (PSD), a common, residue-borne fungal pathogen. Signs of PSD include shriveled, white seed (Figure 1). These seeds are often light and have a dry, chalky appearance.
Infection of seed by PSD can result in reduced germination and thus, can be a particular concern in seed production fields. Only rarely is yield impacted by PSD.
What can seed producers do to minimize the impact of poor quality, PSD infected seed? First, ensure lots with significant amounts of damaged seed (>15-20%) are cleaned if possible. Lower amounts of damaged seed = fewer quality/germination issues.
Second, PSD development is halted when seed is stored under dry conditions. PSD growth halts when seed moisture is below 19%, and the fungus can die if conditions are sufficiently dry for a long enough period of time.
Third, germination tests are essential, and should be conducted early in the year.
Lastly, if PSD and seed treatment levels are below 80%, consider a fungicide seed treatment. Realize that other factors can cause germination issues as well, and seed treatments will not revive dead and damaged seeds. In addition, efficacy of seed treatments varies with active ingredient and rate.
In seed production fields, seed quality can be improved with foliar fungicide applications made between the R3-R5 growth stages.
However, research indicates that products can differ substantially in their efficacy on PSD. Remember that even if a fungicide is applied, it does not guarantee that quality issues will not be encountered, particularly in conditions similar to what was experienced in 2018. As mentioned previously, yield typically is not increased when PSD is the prevalent disease.
Producers should ensure that they purchase high quality seed and avoid planting into cool wet soils if possible to minimize additional germination issues. | 2019-04-25T03:45:47 | https://agfax.com/2019/02/08/illinois-soybeans-how-can-you-make-up-for-poor-seed-quality/ |
$11.00/lb. Because of the way our products are packaged, we can’t determine the exact poundage until after we pull the product. Weight and exact price may vary by a few ounces from package to package.
Loin roasts are usually around 3 lbs each. | 2019-04-25T20:30:59 | https://www.countryworkforce.com/product/loin-roast/ |
Thanks to our state-of-the art heating and humidity-controlled studio, you’ll also sweat…a lot. It’s a good thing!
Whether you’re just getting started or have been down-dogging for years, adding heat to your yoga practice will amplify its benefits and accelerate your progress. When you practice in our 95 degree studio, your muscles warm up faster and you’ll experience deeper flexibility and range of motion. As the sweat starts to roll, you detoxify your body, reboot your metabolism, and challenge your mind to stay in the moment and work to your healthy edge.
We’re a playful studio dedicated to bringing authentic yoga to men and women of all levels, shapes, and abilities. If you’re ready to engage every muscle, every emotion, and experience a style of yoga that will transform you in every way..then come sweat with us!
All of our instructors are 500 hour certified, and have been teaching yoga for at least 3 years.
We want our studio to feel like your oasis.
Curious what transformations are possible through our classes? | 2019-04-24T20:37:31 | http://transformpyoga.com/get-started/theheatedexperience/ |
“That’s not fair.” Even as the smallest of children, I remember making such a proclamation: in kindergarten it was “not fair” when I had to share my birthday with another little girl and didn’t get to sit on the “birthday chair.” When General Mills changed my favorite childhood breakfast cereal, “Kix,” I, of course, thought this was “not fair.” Unlike many kids (like my brother) who would probably have shut up and enjoyed the “great new taste” or switched to Cheerios, this kid sat her bottom down in a chair (boosted by the phone book) and typed a letter to the company expressing her preference for the “classic” Kix over the “great new taste” Kix.
In telling the story, this writer demonstrates that the roots of her political activism run deep without having to ever say it. She doesn’t just tell us and expect us to take her word for it-she shows us.
Another approach that is overdone is the “my dad is a lawyer” approach. Some admissions officers said that when the only reason an applicant gives for wanting to be a lawyer is that it is a family legacy, it makes them question not only the motivation but the maturity of the applicant. While this doesn’t mean you need to hide the fact that your parent is a lawyer, it does mean that you should avoid depending on that as your sole reason for wanting to go to law school. If a parent truly was your inspiration, then describe exactly why you were inspired by them, and what you have done to test your motivation in the real world.
Writing about your experiences in the law field supports both the Why I Want to Be a Lawyer theme and the Why I Am Qualified theme, so it is always a good idea to spend time on the experiences that qualify you as a potential law student.
Direct work experience is always the best, of course, for a number of reasons. For one, it proves your motivation to the committee. For another, it shows that you have the potential for being successful in the field. Perhaps most importantly, it shows the committee that you understand the profession and know what you will be getting into upon graduating. One type of applicant that the committee keeps a wary eye out for is the kind who wants to go to law school but doesn’t have any realistic idea of what lawyers do beyond the glamorized images seen in television and movies.
But you do not need to have had an internship at a law firm to show that you are qualified. Your experience might be political, such as the convention you volunteered to help organize or the campaign you helped raise funds for. Or it can be academic or issues-based, such as the thesis you wrote on law and the Internet. The rule here is, if you have it, use it.
I sought practical improvements through independent thinking, perseverance, and tenacity in the face of fierce criticism. A legal education would give me tools to better use these abilities. I am not headed to law school on a mission, but I see law as an opportunity to contribute as we build our future.
It is all right to include all the experience you have had somewhere in your essay but keep it short and do it in the context of a story or a personal account using colorful details. After all, you can attach a resume that will list all your jobs and promotions. The essay has the much more important job of bringing these experiences to life.
Also, resist the hard-sell approach. The admissions officers at top schools read so many essays written by extremely qualified applicants that writing a self-serving “I did this, I did that” essay isn’t going to wow them; it will simply make them yawn. You are much better off with a humble attitude. Let your experiences speak for themselves and focus on making your essay personal and interesting instead. Having someone objective read your essay before you send it in will help you discern the kind of impression you are making.
If you are different in any sense of the word-if you are an older applicant, a member of a minority, a foreign applicant, an athlete or musician, disabled, or have an unusual academic or career background, use this angle to your advantage by showing what your unique background will bring to the school and to the practice of law. One interesting topic for foreign students, for example, might be to talk about how the education system differs in this country and why they are choosing it over a course of study in their own country and/or language.
If you are a “student of diversity” then of course, use it. But don’t harp on it for its own sake or think that being different by itself is enough to get you in-that will only make us feel manipulated and it can show that you didn’t know how to take advantage of a good opportunity.
Only people with significant and documentable disabilities should bring them up in the essay. By that I mean not the current popular overdiagnosed disability du jour, which in my day was ADD.
The secret is to tie in your diversity strongly with your motivations or qualifications, or with what you can bring to the class. If you can’t make a strong tie-in, then you might simply make a brief mention of your exceptional trait, background, or talent instead of making it the focus. This can be a very effective approach because it shows that you have enough confidence in your qualifications and abilities to let them stand on their own. It is as though you are simply mentioning the fact that you are blind or a refugee from a war-torn land or a violin virtuoso to add shading to your already strong, colorful portrait.
Some applicants, however, will have the opposite problem and will feel uncomfortable stressing their differences. Career switchers or older applicants, for example, sometimes feel insecure about incorporating their experience into the essay, thinking that they will only draw attention to the fact that the bulk of their experience is in another field. If this sounds like you, remember that your past experience gives you a unique perspective and you can use your essay to turn this into an advantage instead of a liability. Or, alternately, you could stress the similarities instead of the differences and make your diverse job experiences relevant by drawing comparisons between the skills required in your current field and the ones that will be needed in law school.
Issues-based essays come in many different forms. The best kind of issues-based essays are written by applicants who have a strong passion for a specific cause and can show why the cause is important to them and what actions they have taken to further it. If there is an issue that dominates your thoughts, studies, or activities, it is natural that this issue will also dominate your essay.
Often times issues-based essays focus more on analyzing all sides of the issue rather than taking a stand from one viewpoint. If you do this type of essay well, it will show the committee that you are a person of reason and logic who can make mature, educated decisions based on a thorough analysis of issues. It is not even necessary that you come to any final conclusions-just showing that you can see and analyze all sides of an argument has validity.
Year after year hundreds of applicants swear by their altruistic motives, yet only 2% of all lawyers graduating in 1991 took jobs in the public sector, protecting the environment, fighting racial inequality, and crusading for rights for the homeless. The majority (over 60%) took jobs in private firms. After a time, you become skeptical.
If your beliefs are genuine, you will be able to support them with clear evidence of your involvement in activities that demonstrate your commitment. | 2019-04-25T04:33:56 | http://justcolleges.com/essay-writing-101/lesson-one-law-school-essay-question-help/ |
The blast from a primary fission component triggers a secondary fusion explosion in a thermonuclear bomb or warhead. Encyclopædia Britannica, Inc.
…of the fissile isotopes uranium-235, plutonium-239, or some combination of these; however, some explosive devices using high concentrations of uranium-233 also have been constructed and tested.
…latter isotope eventually decays into plutonium-239—a fissile material of great importance in nuclear power and nuclear weapons. Another fissile isotope, uranium-233, can be formed by neutron irradiation of thorium-232.
…used to create quantities of plutonium-239 from uranium-238, the principal constituent of naturally occurring uranium. Absorption of a neutron in the uranium-238 nucleus yields uranium-239, which decays after 23.47 minutes through electron emission into neptunium-239 and ultimately, after 2.356 days, into plutonium-239.
…group, he discovered the isotope plutonium-239, which he found to be fissionable, much like uranium-235. Plutonium-239 was used in the first atomic bomb and in the bomb dropped on Nagasaki. | 2019-04-19T11:08:04 | https://www.britannica.com/science/plutonium-239 |
According to Belgian intelligence reports, some documents from Gulf Arab-financed mosques promotes the anti-Semitic and stereotypes of jews, and also calls for the persecution of gays. The reports acquired by OCAM national terrorism monitoring centre see a document that called that gays be stoned to death or thrown off buildings, and describe jews as "evils."
The reports say that the documents retrieved shows contents with xenophobia, radicalism and anti-Semitism.
The mosque that teaches this problematic content is sponsored by the Saudis, and the Belgian government has said it will terminate the half-century old lease on the mosque because of the contents its promote. It is currently run by the Muslim World League.
The manual also tagged jews as "corrupt, evil and treacherous people" and call for "war" and also call its members to attack people that do not follow Sunni Islam.
The result of the latest development is the ongoing investigation of the suicide bombings that kill 32 people at the Brussels airport, and metro station in March 2016. The Islamic terrorist group claimed responsibility for the killing. | 2019-04-19T20:38:53 | https://doynews.com/article/saudi-arabia-exposed-how-kingdom-sponsored-mosque-teach-hating-jews-and-homosexuals |
Know detailed information on diabetes causes, diabetes type 1 juvenile diabetes and diabetes type 2 and whether anybody can die of diabetes.
In the following paragraphs causes of each type of diabetes are given.
Diabetes Mellitus Type 2 (Type II) is the most common form of diabetes, affecting 85-90% of all people with diabetes. It generally happens to people above 40 years of age (adult onset diabetes) and is usually hereditary. However, more and more younger people, even children, are getting type 2 diabetes.
Diabetes Type 2 is a non insulin dependent diabetes which is a result of body tissues becoming resistant to insulin or the insulin is not produced in the amount the body needs and it does not work effectively.
Lifestyle factors: Lifestyle factors such as high blood pressure, overweight, obesity, no physical activity, poor diet and apple shape body.
A study (January 2004 issue of the Journal Diabetes Care) suggests that people with a deficiency in magnesium have increased risk of developing type 2 diabetes.
Drinking two or more sweetened fruit drinks and other soft drinks per day for one month can increase the risk of type 2 diabetes by 31% and other diseases , according to the researcher Julie Palmer of the Boston University, according to a report published in the Archives of Internal Medicine.
Diet soft drinks, orange juice and grapefruit juice in moderation are not linked to a higher diabetes risk, because they may have a different metabolic effect.
Researchers from the University of Glasgow's Institute of Cardiovascular and Medical Sciences observed that while one serving of apple juice typically contained 110kcal and 26g of sugar, a serving of cola contains 105kcal and 26.5g of sugar.
Many packaged juices increase the risk of diabetes if consumed in excess. Dr Vijay Viswanathan, senior diabetologist at MV Diabetes Research Centre, said "Each carton contains concentrated sugar and simple carbohydrates which when consumed, especially after a meal, makes the blood sugar peak. We advise diabetics never to drink fruit juices and go for the whole fruit instead."
are older (over 55 years of age).
are over 45 years of age and are overweight or/and have high blood pressure.
are over 35 years of age and are from Aboriginal or Torres Strait Islander background, Pacific Island, Indian subcontient or Chinese cultural background.
Diabetes Type 1 is insulin-dependent diabetes which is usually starts in childhood (diabetes in children) or adolescence. The cause for type I diabetes is due to pancreas unability to produce insulin.
The exact cause of Type 1 diabetes is unknown. However, it is known that in majority of Type 1 diabetes cases, the body's own immune system attacks and destroys the insulin-producing beta cells in the pancreas. Once these cells are destroyed, they cannot make insulin again. So people with Type 1 diabetes need to inject insulin.
The cause of autoimmune system not working properly in such cases is still a subject of research.
No one knows for certain why this happens, the following are possible causes for Type 1 diabetes.
Gestational diabetes mellitus (GDM) occurs in pregnant women who needs 2-3 times more insulin than normal and the body is unable to produce the needed insulin. It is diagnosed when higher than normal blood glucose levels first appear during pregnancy.
If gestational diabetes is not cared properly, it may result in problems such as miscarriage or a large baby.
Have a family history of type 2 diabetes or gestational diabetes.
You have previously given birth to a large baby.
Can You Die From Diabetes ?
If you are on insulin: Your blood sugar can go too low because of the insulin. This is called hypoglycemia. If you don't eat some sugar quickly at that time, you can go into a coma, or even die in the worst case. You should eat some sugary food or juice immediately before it goes too low.
If your sugar level goes too high: Too high blood sugar is called hyperglycemia. Hyperglycemia generally takes much longer to kill than low blood sugar (hypoglycemia). When you have high blood sugar for a long time, you can go blind, lose your limbs, develop kidney problems, become heart patient, etc. You should not eat sugar all the time, because it will spike your blood sugar. | 2019-04-24T12:17:44 | https://www.fatfreekitchen.com/diabetes/diabetes-causes.html |
Receive complete access to your course history including course title, COPE ID# (if COPE-Approved), category, format, date, instructor name, provider and # of hours.
Track the number of hours you've earned and the hours required in the current renewal period for each jurisdiction in which you're licensed.
Print a CE transcript or paper certificate to use as proof of attendance.
If you choose not to pay the annual subscription, you will be still able to login to your account but will only be able to review the number of CE hours you have earned listed by the date of attendance. You will not be able to see the course title, COPE ID# (if COPE-Approved), category, format, instructor name or provider.
Some Licensing Boards and Optometric Associations pay the OE TRACKER annual subscription on behalf of their licensees/members as a benefit. Contact your Board or Association to see if they pay the OE TRACKER annual subscription. | 2019-04-25T02:02:34 | https://www.arbo.org/oet_fees.php |
College education, long a prime aspiration of the American Dream, is in jeopardy today because massive student debt has become a financial cancer with lethal consequences for the entire nation. Student debt not only levies a relentless squeeze on millions of average families, it imposes a hidden price on all Americans because it is a drag on our whole economy.
Student debt is altering the economic behavior of the millennial generation. So many young people come out of college deep in the red that in order to save money, they live with their parents in record numbers instead of renting or buying their own homes. For the first time since 1880, the Pew Research Center reported in May 2016, nearly one-third of 18-to-34-year-olds (32.1%) live with their parents – more than the percentage living with a spouse, romantic other or with roommates.
Today’s college graduates delay getting married, so much so that the median age for first marriages has shot up from 20.1 years of age for women and 22.5 for men in 1956 to 27.1 years of age for women and 29.2 years for men nowadays. Similarly, the younger generation tends to postpone the purchase of cars and other big-ticket items like home appliances that help drive U.S. economic growth. With tens of millions of young adults spending less, the economy creeps along more slowly.
The impact is large because student debt is so enormous – $1.4 trillion – more than the credit card debt of the entire country. And it is rising at the rate of $100 billion a year. Student debt is epidemic. Nearly 70% of students who earn a bachelor’s degree are in debt. In all, 38 million people – one in every eight Americans, not just young people but middle-aged and even people in the 60s.
Some states are particularly harsh on people who fall behind o n repaying their student debt, often revoking professional licenses or suspending drivers’ license, moves that can derail careers and deprive people of the income they need to repay their student loans. Twenty states have laws empowering state agencies to revoke or suspend the licenses of lawyers, real estate brokers, nurses, teachers, firefighters, and massage therapists. Recently, the New York Times identified more than 8,700 cases where professional licenses were taken away or put at risk of suspension because of delay or default on student loans. In some cases, people have lost their jobs and been plunged even deeper into debt.
Individual debt has shot up sharply since 2000. Today, the average debt at graduation for students at two-year or four-year colleges is $29,400, almost double what it was in 2001 (adjusted for inflation). For graduate students, the median debt is $59,000, up from $38,000 in 2004.
Student debt spreads like crab grass. It just keeps sprawling. Today, it is no longer just lower-income families but upper middle class and high-income families that are afflicted with ever-mounting college debt. In 2012, half of the college graduates from high-income families borrowed money to go to college, double the percentage in the early 1990s. Among upper middle class families, 62% of students leave college with a debt hangover, nearly double the rate two decades ago.
What Drives the Repayment Crisis?
What worries parents and policy-makers most is not just the mounting volume of student debt but the repayment crisis. The Consumer Financial Protection Bureau estimates that more than seven million people are in default on over $100 billion in student loan balances, meaning that on those loans, no payment has been made for nine months. Another $120 billion in loans is typically delinquent, meaning borrowers have missed their scheduled payment date. Most eventually catch up, but some sink into default.
The stakes of default or delinquency can be very high for borrowers because of the draconian powers of collection agencies. Unlike all other forms of debt, student loans are not discharged in bankruptcy. Moreover, lenders can garnishee wages and seize earned income tax credits and Social Security benefits for repayment on loans. And finally, default leaves an indelible black stain on credit reports of borrowers, crippling their future ability to obtain credit for lifetime purchases, such as homes and cars.
One major cause of the high rates of defaults and delinquencies is the mismatch between costs and benefits – the fast buildup of college bills and the much slower, often uncertain and erratic earning power of most college graduates entering a difficult job market.
This mismatch was particularly acute in the 1990s when the standard repayment period for student loans from private lenders and on federal direct loans was ten years. In the late 1990s, the Clinton Administration stretched out the repayment period on government loans to 25 years, but only one in seven student borrowers signed up for the more generous repayment timetable. Information was poor, the application process was complex and confusing, and private lenders stuck with the ten-year payback.
The economic downturn of 2008 and the nation’s painfully slow economic recovery made things worse. With jobs tight and entry-level pay for college graduates dropping below levels in the late 1990s, most recent graduates strain to make financial ends meet and still pay off their student loans, fueling to the default rate.
How Did Student Debt Get So Bad?
There are two other major causes of exploding student debt. One is the new austerity economics – budget cutting in state legislatures and in Congress that reflects a seismic shift in public attitudes about who should foot the bill for higher education. As states pay less, students carry a bigger share of the cost-load.
The other main cause is the rise of private, for-profit universities, bent on extracting tens of billions of dollars in profits from a market that depends on massive student borrowing, mainly from the federal government. The for-profit sector has left a trail of indentured student borrowers, trapped on a debt treadmill – unable to find steady jobs at good enough salaries to repay the high debts marketed to them by profiteering universities.
These new trends mark a profound shift from the relatively recent past. After World War II, a grateful nation passed the G.I. Bill in 1944 that paid for the college education of returning veterans. And during the long Cold War with the Soviet Union, the idea took root that educating each new generation delivered valuable economic returns for the country.
In that era, college education for the rising generation was seen as a wise public investment. In state after state, taxpayers footed the lion’s share of the cost of public higher education, making state universities and colleges affordable.
This shift in public attitudes has generated a hefty shift in costs – from taxpayers to students and their families. And with roughly 70% of American college-level students in public university systems, this cost-shift has pyramided the growth of student debt.
Over the past quarter century, not only has the inflation-adjusted average tuition at four-year public colleges roughly doubled, but states have pushed far more of the increasing cost burden on students and their families.
In 1988, state and local governments paid more than three-quarters of the costs of educating students at public colleges and universities – an average of roughly $8,600 per student out of $11,300, according to the State Higher Education Executive Officers Association. These figures do not include costs for room, board, books, or transportation. By 2013, a quarter of a century later, the average state and local share had dropped to just over 50% while the share paid by students and their families jumped from 24% to 44%.
What’s more, Congressional budget cuts and inflation have multiplied the debt of the most vulnerable students from low-income families. The Pell grant program was created in 1972 to give these needy students a chance to go to college by giving them debt-free grants that do not have to be repaid – currently a maximum of $5,370 per year.
In the 2013-14 academic year, Pell grants totaling $33.7 billion were made to nine million students mostly from families with household incomes of $30,000 or less. Nearly two-thirds of African American undergraduates receive Pell grants, as do 51% of Latino undergraduates, according to the Education Trust.
Although President Obama doubled funding for Pell program in 2010 through savings in other federal student loan programs, Congress has now cut Pell grants by $5 billion a year. The size of Pell grants has fallen well behind the inflation in college costs. As a result, the debt of Pell grant recipients has shot up by 90% over the past decade.
The most explosive growth in student debt and in loan defaults has come among private sector, for-profit universities, some of which have compiled the lowest graduation and completion rates in U.S. higher education and left their students with high debt and poor job prospects. For-profit universities have tripled their enrollment in the past decade, but according to the Department of Education, they educate only 12% of college-level students nationwide yet they are responsible for 48% of student loan defaults.
The for-profit education sector has earned “the dubious distinction of having the highest debt levels, the highest default rates, and some of the lowest completion rates” in U.S. higher education, says Pauline Abernathy, Vice President of the Institute for College Assess and Success, a public interest advocacy organization.
One reason that for-profit universities play such a large role in the student debt crisis is that they have been so successful at capturing a lop-sided share of revenues from federal student loan programs – $32 billion in 2010, for example. Virtually all (96%) of the students who attend for-profit colleges borrow money, compared to 13% of the students at community colleges, 48% of students at public four-year universities and 57% at four-year private nonprofit colleges.
A report on for-profits by the U. S. Senate Health Education Labor and Pension issued these disturbing findings: (a) more than half of the students at for-profits withdrew without a degree, undermining the promise of good career-training; (b) more than one in five students defaulted on student loans; (c) for-profit colleges spent $4.2 billion on high-pressure recruiting and marketing in one year alone, but spent less on instruction, percentage-wise, than public universities; and (d) presidents of for-profit universities were paid an average of $7 million a year, far more than the $1 million average paid to presidents of major public universities.
In addition, student loans in the private sector – as distinct from federal loans – are traded on the investment market often creating a cloudy paperwork trail as to who owns the loans and deserves the monthly payments, much as happened in the sub-prime mortgage market nearly a decade ago By mid-2017, as many as $5 billion worth of these private loans were being disqualified by courts because they lacked adequate paperwork, meaning that tens of thousands of former students may get their debts wiped off, especially on loans to sudcnts who attended for-profit colleges.
By far the largest for-profit university and the largest recipient of taxpayer subsidies – $3.4 billion in fiscal 2012 – is the University of Phoenix (enrollment 470,000 in 2009). Between 2009 and 2013, it received nearly $1 billion in tuition assistance for Iraq and Afghan veterans. One study found that it spent as much as $600 million a year on advertising.
But richly funded as it was, the University of Phoenix has compiled a graduation rate of under 15%, a student withdrawal rate of over 60%, and more than one in four of students’ defaulting on their loans within three years of leaving school, according to the Education Department.
The Iowa Democrat questioned whether large corporations whose primary mission is to make profits for investors and to boost their stock price on Wall Street can be entrusted to give top priority to the needs of its students. | 2019-04-24T16:38:31 | http://reclaimtheamericandream.org/brief-debt/ |
Mary Pezzulo over at Steel Magnificat has written an excellent piece about the problem with name-calling, contentiousness, and point-scoring in the name of “apologetics.” I agree completely with what she says, and I recommend reading her post.
I also want to offer a few thoughts from the other side of the aisle, as it were. If you spend a lot of time in ideologically motivated communities, you’re going to encounter a lot of sanctimony and self-righteousness. It doesn’t matter whether you’re a member of 300 different Catholic FaceBook groups, or you are deeply involved in the vegan community, or you made the mistake of going to a mom’s group in an upscale neighbourhood; the basic practices are the same.
A group of people gather together and someone makes an assertion that is basically intended to signal how virtuous, well-informed, intelligent, hip, woke, or generally awesome they are. Others jump in. Some just ante-up by agreeing with the original statement and affirming it’s sagacity. Others up the stakes by making a claim that builds on the original assertion, showing that they not only equal the first speaker but actually exceed them. And so it goes around the table until suddenly somebody calls.
This could take the form of a direct call-out – accusing one of the speakers of hypocrisy or bad behaviour, or showing that actually they’re exaggerating their accomplishments or commitments. It could involve pointing out a contradiction in one of the statements. It could be a flat denial of some dubious truth claim. Or it might be a pointed ‘Socratic’ question designed to expose the flaws in someone’s thinking without openly telling them that they’re an idiot.
More commonly, though, it turns out that a certain amount of bluffing was involved. And this is where things have the capacity to get ugly, because in social situations there aren’t the same kind of clear hierarchies as in poker: there’s not a rule-book that you can appeal to determine whether hearing Jesus speaking to you in your heart carries more, or less, weight than having discussed the question in a private audience with the Archbishop.
So it descends into bickering, and depending on how high the stakes are the arguments can go on for hours, or days, or months… or years… or decades. If institutional bodies get involved, a good squabble can last for centuries. The pretext is always the same: both sides insist that they are actually concerned with truth, or justice, the correction of error, or the protection of the weak. But to any onlooker with even a shred of objectivity, it’s clear that actually what’s at stake is the need to win back whatever social currency was put on the table. People’s pride, prestige, honour or reputations are at stake and so they feel that they can’t just walk away.
The more hurtful the situation becomes, the more invested people are. So they’ll stay, even if they are being bullied, name-called, shamed, or directly threatened – because all of these things cause the stakes to go further up, and up, and up. Backing down means walking away and leaving your winnings behind (you always think of the winnings as yours, even if it’s far from clear that they rightfully belong to you).
Okay, so it’s very easy to point and laugh at people who are behaving this way – and I’m not even going to argue that it’s wrong to do so. Part of the social process by which we learn that ridiculous behaviours are ridiculous is by finding that we have become an object of ridicule. When you’ve been wounded in some com-box dust-up, and instead of rushing around to sympathize, people laugh and start singing “Let it Go!” it’s unpleasant for sure…but in retrospect, these are often the moments when we learn humility.
Besides, if everybody behaved as if these absurd exchanges were actually legitimate contests being fought for important reasons, we would end up like the nobility of the 17th century: monumentally stupid slights would result in actual bloodshed, and there would be real debates over questions like whether a monk’s “right” to defend his honour justified his participation in duels.
However, it’s important to lace our laughter with at least a touch of self-derision. Whether your response is to roll your eyes and scroll past, or grab a bag of popcorn and sit back to watch the fur fly, maybe also take a moment to say a little mea culpa. Because in one way or another, this is something we all do. | 2019-04-26T03:40:13 | https://www.patheos.com/blogs/catholicauthenticity/2017/04/sanctimony-wars/ |
Varun Dhawan, who made his Hindi film debut in 2012 with Karan Johar’s Student of the Year, is undoubtedly one of the finest actors in the industry today. He was passed six years in Bollywood industries give one by one block buster Movies to audience.
Recently, Varun was honoured with the best actor award for his film October at the 9th Jagran Film Festival.
On the professional front, Varun’s recently released film Sui Dhaaga-Made In India has been garnering a lot of praise. Helmed by Sharat Katariya, the movie is Varun’s first collaboration with actress Anushka Sharma and is based on Prime Minister Narendra Modi’s Make In India campaign. | 2019-04-24T09:47:06 | https://mostdailynews.com/jagran-film-festival-gives-best-actor-male-award-to-varun-dhawan/ |
Looking to buy a cheap Used Alfa Romeo 156 Car in Wallingford? Search 5 Used Alfa Romeo 156 Listings. CarSite will help you find the best Used Alfa Romeo Cars in Wallingford, with 441,621 Used Cars for sale, no one helps you more. We have thousands of Car Supermarkets, Franchised Alfa Romeo 156 Dealers and Independent Garages advertising their Used Cars through us. So, if you are looking to buy a Used Alfa Romeo 156 car in Wallingford then look no further than CarSite.
CarSite can help you find the cheapest Alfa Romeo 156 Cars online. We have the most Used Alfa Romeo 156 Cars for Sale in Wallingford, listed online. When it comes to looking for a Used Alfa Romeo 156 Car in Wallingford CarSite is the ideal search partner for you.
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You may know that we work closely with a UK Gift Trade publication called Gift Focus Magazine where we have regular features on our current and upcoming products and campaigns.
You can see more about Gift Focus on their website and you can download their latest magazine by Gift Focus Magazine.
Q: Our business is not growing ... how can I drive the company and my team to change, improve and grow?
A. We are all busy at work. We go to work every day and work hard, tick off the ‘to-do’ list and yet we rarely seem to grow, change or improve.
How we ensure we start working ‘on’ our business, rather than ‘in’ it, is a key step to this success.
We need to create the time to FOCUS on how we can improve. What do we want to achieve and by when? How can we work on the things that move us in the right direction rather than simply maintaining the status quo?
F Future ... find the time to stop what you are doing and focus on the future. What is your vision of success? What do you want to achieve?
O Opportunities … look for these everywhere. Have a critical look at your business through your own, your customers’ and your competition’s eyes.
C Challenge everything you do. Does it really add value? Set some realistic goals as well as some challenging stretch targets for your business.
U Understand the possible barriers to your success and work on how you can overcome them.
S Start with a path of where you want to be in 12 months and work backwards each quarter or month to see where you need to be at each stage.
If you don’t stop to look at your business every now and again, you may suddently find someone else is doing it better or cheaper. Give your business the FOCUS it needs to be ahead of the rest. | 2019-04-21T07:16:07 | https://es.journalsofalifetime.com/blog/gift-focus-all-the-answers/ |
INGLEWOOD, Calif. – August 22, 2017 – Centinela Hospital Medical Center today announced that it was named to U.S. News & World Report 2017-18 High Preforming Hospital List for Specialty Rankings in the treatment of Heart Failure and Chronic Obstructive Pulmonary Disease (COPD).
The annual Best Hospitals recognition, now in its 28th year, are part of U.S. News’ patient portal, designed to help patients make informed decisions about where to receive care for life-threatening conditions or for common elective procedures.
In addition to the U.S. News & World Report awards, Centinela Hospital Medical Center has been recognized for its quality of care, receiving honors from The Joint Commission, Truven Analytics, Healthgrades, The Leapfrog Group, among others.
For more information about the 2017-18 rankings, please visit our FAQ. The rankings will be published in the U.S. News “Best Hospitals 2018” guidebook (ISBN 978-1931469869), available for pre-order from the U.S. News Store for delivery in late August. | 2019-04-24T17:52:58 | https://www.centinelamed.com/News/2017/August/Centinela-Hospital-Medical-Center-Named-to-U-S-N.aspx |
The Prophet said, “The prayer offered in congregation is twenty five times more superior (in reward) to the prayer offered alone in one’s house or in a business center, because if one performs ablution and does it perfectly, and then proceeds to the mosque with the sole intention of praying, then for each step which he takes towards the mosque, Allah upgrades him a degree in reward and (forgives) crosses out one sin till he enters the mosque. When he enters the mosque he is considered in prayer as long as he is waiting for the prayer and the angels keep on asking for Allah’s forgiveness for him and they keep on saying: ‘O Allah! Be Merciful to him, O Allah! Forgive him, as long as he keeps on sitting at his praying place and does not pass wind. Sahih Al BuKhari: Volume 1, Book 8, Number 466.
"I gained more knowledge regarding communication in a professional setting, in addition to learning about, and taking part in collaborative professional work via technology."
"I gained important connections within the university environment and the Islamic community in Ann Arbor as a whole. Additionally, I learned a lot about inter-university collaboration"
© All Rights Reserved. Tawheed Center Of Novi. | 2019-04-19T23:04:53 | https://novitawheedcenter.org/about/ |
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Matter – A collection of Material Design components in pure CSS.
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Palette App – A tool for building, analyzing and editing smooth color palettes.
Webfont – Create and manage your own custom font icons.
Polarite – Generate color schemes with the help of A.I. | 2019-04-20T20:22:05 | https://speckyboy.com/weekly-news-for-designers-473/ |
Welcome to Da-Vinci brand new website, where you can order Glasgow’s tastiest Pizzas, fish & Chips, and other delicious dishes online and have it delivered or collected at your convenience!
At Da-Vinci we only use the finest fresh ingredients and all our food is prepared daily to ensure you receive the highest quality possible - try and see for yourself. We also have some great value Meal Deals all available for collection or home delivery!
Quality, Service, and Enjoyment are our Business!
Based at 26 Holmlea Road, Glasgow, G44 4AW, we provide tasty takeaways, collections, and deliveries to most of Glasgow, such as the town, Grass Market, and the wider Glasgow Area.
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Download Da Vinci Takeaway Mobile App to benifit from Offers/Promotions, Coupons as well as ordering food easy with few touches only!!! | 2019-04-24T04:17:45 | http://glasgowdavinci.com/Home |
Auckland Meat Processors (AMP) asked Conveyor Industries to provide the most economical option for the removal of their renderable raw material and paunch from their new offal floor.
The conveying system was designed to fill two skip bins with the raw material, and another bin with dewatered paunch.
Due to the limited available space, the project required extensive use of 3D modelling and online meetings to develop the layout, ensure adequate access for future maintenance, and functionality for the operators.
After these challenges were addressed and the layout completed, the structural engineer was able to refine the building envelope to accommodate the new conveying system.
The system utilised two separate conveying lines, one for renderable raw material and one for paunch. Twin collector screw conveyors were set into the floor to allow for unrestricted access for the offal floor staff.
The twin screws are designed to segragate the raw material and paunch to ensure cross-contamination is not possible.
The products are conveyed to a series of incline screw conveyors before reaching the skip bins.
Renderable raw material from existing mutton and beef slaughter rooms can also be added to the conveying system, minimising the skip bins and pick up points for the transport operators.
To gain maximum efficiency in the processing rooms, the system needed to operate without any delays. An automated diverter chute was installed to switch between the two skip bins – allowing each bin to fill to its full capacity before the contents are removed for rendering.
The paunch line includes a screw press to dewater at a rate of one paunch every 30 seconds. The paunch can be diverted to the raw material bins to allow for conveyor maintenance while the system is still operating. For easy change over, the paunch bins can be wheeled out of the way.
Cleaning of the system was of a high priority for AMP. All conveyors were constructed from a chrome plate (3cr12) which provides a high resistance against wear, while still providing an acceptable sanitary finish.
Stainless steel pipe lids were incorporated to create an operator friendly environment and allow for the daily clean down process without the need to remove lids. | 2019-04-21T05:04:11 | http://conveyorindustries.co.nz/projects/auckland-meat-processors |
We have plan for mail flow round trip testing with external our exchange 2013 to confirm the mail flow.
Please share your input on this, If any third party tool required for this or any one using any tool.
I always use Telnet and MXToolBox: https://mxtoolbox.com/SuperTool.aspx to test the Email Server.
The only tool I use for that is the telnet client. | 2019-04-18T16:42:39 | https://social.technet.microsoft.com/Forums/en-US/657c2937-f581-4ce2-8458-5e7bb42b2a8d/roundtrip-mailflow-testing?forum=exchangesvrsecuremessaging |
Washington Capitals player Alex "Ovechloss" Ovechkin apologized for Russia's poor performance at the Winter Olympics in Sochi Russia. In front of their home crowd, Russia found a way not to medal. Russian hockey fans were bitterly disappointed and that's an understatement.
Russian hockey fans should have seen this coming. Anyone who's followed the biggest choke artist in sports knows that Alex can put up great numbers in the regular season but unlike the best hockey player in the world, Sidney Crosby, the guy under performs when it counts.
Sidney Crosby has won a Stanley Cup and two gold medals at the Olympics. Alex Ovechkin has won...absolutely nothing (at the Olympics and NHL). It put a huge smile on my face to see the Russians end up without a medal in the Men's Ice Hockey Tournament.
I'm not an Ovechkin fan. Washington Capitals fans have witnessed their team coming up on the short end of the stick in the playoffs. It's baffling that Ovechkin can be one of the best players in the NHL during the regular season but can't find a way to take his team deep into the playoffs.
Alex Ovechkin's Capitals haven't even made it to a Stanley Cup, so it wasn't a huge surprise that Russia had a terrible tournament in Sochi.
Russian sports fans would have been happy if the only medal at the Olympics would have been a gold medal in ice hockey. They could have lived with that. Hockey was the premiere event for the country in Sochi. It would have been unimaginable at the start of the Winter Olympics that the Russians wouldn't win a medal.
To say that Ovechkin and his team were a failure would be an understatement but in reality it shouldn't have been unexpected. Ovechkin will have another crack at winning a gold medal in 2018 if the NHL allows their players to participate in the games.
I'm sure the result for Ovechkin will be the same. While it's nice that Alex apologized for his team's poor performance, I'm sure Russian hockey fans don't really care. They wanted a gold medal and they had to settle for watching the greatest hockey team in the world (Canada) win it all on their ice.
Will Alex Ovechkin Win a Stanley Cup or Gold Medal? | 2019-04-25T10:19:28 | http://www.sportmentary.com/2014/02/alex-ovechkin-apologizes-for-russias.html |
While doing any project, every task is a priority but still, you need to structure a framework in which you can order your priorities.
Though we all want to have some earning from that extra space but due to lack of proper knowledge we end up having compromised and irrational decisions.
How businesses can “Pay it forward”?
Those who give tend to be happier and healthier, they are well-adjusted, less-stressed and have a greater feeling of belonging.
They have started startup India programs, the proliferation of co-working spaces and city wise regular meet ups.They also have independent authority.
When you come up with a startup you cannot be certain about its success. In fact, 90 percent of the startups fail before they could become a shining star.
There are many opportunists who are looking for exciting opportunities that can be availed in the United Arab Emirates to set up a business startup. | 2019-04-22T14:42:36 | https://www.startupopinions.com/category/business/page/3/ |
The Bangko Sentral ng Pilipinas is open to receiving comments and/or feedback on the attached draft implementing rules and regulations (IRR) of Republic Act No. 11127 or the National Payment System Act (NPSA).
Comments/feedback may be submitted by email to psod@bsp.gov.ph on or before 26 April 2019. | 2019-04-21T01:17:14 | http://www.bsp.gov.ph/publications/media.asp?id=4991 |
The 1.1 version of Java introduces a number of classes for dealing with characters. These new classes create an abstraction for converting from a platform-specific notion of character values into Unicode values. This column looks at what has been added, and the motivations for adding these character... 4.2. Strings and Characters. Strings of text are a fundamental and commonly used data type. In Java, however, strings are not a primitive type, like char, int, and float.
28/03/2018�� wikiHow is a wiki similar to Wikipedia, which means that many of our articles are written collaboratively. To create this article, 21 people, some anonymous, worked to edit and improve it �... 19/07/2015�� Here is our Java program, which combines all the ways we have seen to convert String and character to their respective ASCII values. You can also use the same technique to convert String to other encoding formats e.g. ISO-8859-X (1-7) , UTF-8 , UTF-16BE , UTF-16LE. These are some of the popular encoding formats internally supported by Java.
Firstly, there's a slight difference in semantics. If a is null, then a.concat(b) throws a NullPointerException but a+=b will treat the original value of a as if it were null.
12/02/2013�� Best Answer: Just another note about Strings in Java. The fast way is to use concatenation. But, keep in mind that Java indexes each uniqueString you create, so if you're doing this repeatedly or you're concatenating a lot of values, each + operation creates a new object in memory.
19/07/2015�� Here is our Java program, which combines all the ways we have seen to convert String and character to their respective ASCII values. You can also use the same technique to convert String to other encoding formats e.g. ISO-8859-X (1-7) , UTF-8 , UTF-16BE , UTF-16LE. These are some of the popular encoding formats internally supported by Java. | 2019-04-19T07:18:09 | http://nyvideoschool.com/victoria/how-to-add-two-characters-in-java.php |
Most New Year resolutions never make it past January the 31st. In most cases, the resolution is too impractical. While bike riding can be impractical to some it can also be fun, a challenge and for sure a way to get in shape. So let’s talk about why it would be good to make bike riding a New Year resolution. I am merely going to talk about ways you can enjoy it and have fun with it.
Chances are some might have made bike riding a New Years resolution and have not been on a bike in years. And one thing that holds true is once you learn you never forget. First I would like to say it is still cold in most spots after New Years so it can be a deterrent to even get started. But let’s look at it another way. It also gives you time to mentally get ready if you are waiting for the weather to be right to ride. Agree? It also gives you time to get your body ready by doing some stretching, sit-ups, squats, leg lifts and even push-ups.
Guess what? Your resolution is already working towards the good. You can start off slow since you will have time and work your way up. Even if you start off with 10 reps of each exercise your body will be up to the challenge when you decide to ride. I tell you when I first started riding again I almost had no choice. I had no car and my job was about 7.5 miles from where I lived. The bus routes were not friendly.
I would have rather rode the bike than to have to ride a bus downtown just to catch a bus that went by my job and believe it or not, I basically went back the same direction I came. I thought to myself, I can beat the bus on this bike. Maybe not at first but in a months time I will be and I was. And it had been about 5 years since I had ridden a bike. But I tell you it just becomes routine after a spell.
Now, one of the things that will motivate you is if you are the type who like challenges. You find yourself trying to make every ride faster than the last. For people who like challenges, this is one way to keep your resolution going. And one thing that holds true is once you learn how to ride a bike you never forget.
Motivation is needed because it is to easy to jump in your car or ride the bus when you are having some leisure days. This is why you have to turn bike paths, trips to the store, riding with friends or simply riding to work if possible and make them part of your lifestyle. I know people who make it a point just to ride the bike paths on the river here where I live. Believe me, after you do it for a spell you find yourself just doing it without even thinking about it.
If you have kids you can pack those bikes up and ride to the nearest bike paths or routes and now you have a family fun activity that can get & keep you motivated. This is really cool because now you are just enjoying the outdoors and checking out the sites of where ever you choose to ride. Change it up and go to different places. Bike sightseeing is wonderful. Especially if there are places of attraction you can stop and rest, eat, or whatever.
One thing people talk about for a New Years resolution is losing weight or getting in shape. I find things like going to the gym is hard to maintain unless you were a true athlete at one time. It has to be in you to do it. But bike riding we all did growing up so it is more natural to us. And riding a bike does just that, gets you in shape and helps your body in other ways.
Cycling promotes great health in many ways. It reduces the risk of obesity, high blood pressure, high cholesterol, diabetes & cardiovascular disease. This is done whether you are cycling for exercise or transportation. It also increases your blood flow which improves oxygen-rich blood to extremities. This means your heart your bodies muscles and arteries will benefit from you holding on to the resolution of bike riding.
For us who have joints that are not great, it is a low-impact way to exercise. Your body does not take a pounding on a bicycle. But one thing you can count on is that your body will begin to strengthen as time goes on.
So you see, making bike riding a New Year Resolution is not so bad at all. I can say if you don’t procrastinate and do it you will find that your body will start to feel so good you won’t want to stop. The best part is once you fine-tune yourself to it, if you do have to take a break, you will still be able to jump on and go without even thinking about it.
The key is just to do it and let nothing change your mind. If you need a bike or any equipment you can get these things without breaking the bank. You don’t have to spend an arm and a leg trying to ride a bike. Look around while you here and there is an online store in the header of this website.
But before I go, I thought this was a pretty interesting video for when you do condition yourself into this cyclist you did not know you had in you. This might be an extended New Years resolution I might say. Enjoy!
Thank you for visiting and I hope you enjoyed it. If you have made bike riding a New Year resolution I wish you the best in succeeding. If you have any questions or comments please feel free to leave them in the comments section below. I will respond within 24 hrs. | 2019-04-24T11:55:19 | https://cyclingforfunwithron.com/bike-riding-a-new-year-resolution |
Definitive Technology high-performance bookshelf speakers.
Definitive Technology Demand Series high-performance bookshelf speakers deliver full-range, room-filling sound and precise imaging in a modern, elegant styling. Featuring technology advancements to both our aluminium dome tweeter and mid-range/woofer sections, each speaker delivers an unrivaled sweet spot, smoother high-frequency reproduction, and three-dimensional imaging for the most technically-advanced, premium bookshelf listening experience.
Its versatility is what sets it apart from other metals. Superior acoustics. Light and malleable. Concentrated rigidity. These unique properties aid our advanced engineering method, wherein we melt it down, reform and treat it for use as high-output, high-performance aluminium dome tweeters. And it's intrinsic to our design process. Brushed, anodised and deliberately set in all the right places to entice your eyes, it's the metal that adds to the luxury and mystique of our minimalist appeal. | 2019-04-23T11:55:47 | https://en.definitivetechnology.com/collections/home-audio/demand-series |
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