FL-Ft. Lauderdale, COMMERCIAL LOAN PORTFOLIO MANAGER JOB DESCRIPTION Community bank located in Ft. Lauderdale area seeks a self-starting, detail oriented Commercial Loan Portfolio Manager to assist with the comprehensive management of its commercial real estate and C&I loan portfolio. This team player role will combine elements of a credit analyst, loan underwriter, loan administrator, customer focused portfolio man
Highlights of Union Bank of India's Results for the Quarter ended June 30, 2017
CASA 25.1 per cent YoY
Non Interest Income ` ` 1414 crore (up 36 per cent YoY) Savings Deposit 27.6 per cent YoY
Operating Profit ` ` 2057 crore (up 26.5 per cent YoY) CASA Share 35.5 per cent
Net Profit ` 117 crore (up 7.3 per cent QoQ) RAM* Sector 14.8 per cent YoY
CRAR 12.01 per cent RAM* Share 55.4 per cent
Tier I 9.24 per cent
ï· The growth in Deposits was driven by Savings Deposits, which grew by 27.6 per cent on YoY basis.
ï· Cost to income ratio improved to 43.79 per cent against 48.28 per cent on YoY basis.
ï· Capital Adequacy Ratio (Basel III) improved to 12.01 per cent compared to 10.75 per cent a year ago. * (Retail, Agriculture & MSME share in domestic advances)
Business Global Business grew by 10.5 per cent to `670971 crore as on June 30, 2017 from `607280 crore as on June 30, 2016. Domestic business grew by 10.0 per cent to `635233 crore as on June 30, 2017 from `577473 crore as on June 30, 2016. Total deposit of the bank grew from `338727 crore as on June 30, 2016 to `375796 crore as on June 30, 2017 showing growth of 10.9 per cent. Financial Results for the Quarter ended June 30, 2017
CASA deposits grew by 25.1 per cent to `133412 crore as on June 30, 2017 from `106604 crore as on June 30, 2016. CASA share in total deposits improved to 35.5 per cent as on June 30, 2017 compared to 31.5 per cent as on June 30, 2016. Average CASA ratio also increased by 430 basis points (bps) to 33.5 per cent on YoY basis. Savings Deposit registered YoY growth of 27.6 per cent. A total of 8.70 lakh CASA accounts were opened during April-June 2017, out of which 8.38 lakh were Savings Bank Accounts (excl. BSBDA/BSBDS accounts). The Bankâs Global Advances grew by 9.9 per cent (YoY) to `295175 crore as on June 30, 2017 from `268553 crore as on June 30, 2016. Due to encouraging growth of 14.8 per cent in RAM (Retail, Agriculture & MSME) sector, Domestic Advances increased by 9.4 per cent from `242935 crore as on June 30, 2016 to `265683 crore as on June 30, 2017.
Financial Performance for the quarter ended June 2017 Domestic Net Interest Margin (NIM) stood at 2.20 per cent for April -June 2017 as against 2.36 per cent for April -June 2016. Global NIM for April -June 2017 stood at 2.06 per cent as against 2.27 per cent for January-March 2017 quarter. It was 2.28 per cent a year ago. Yield on funds stood at 6.94 per cent for April -June 2017 as against 7.94 per cent for April-June 2016 and 7.35 per cent for January-March 2017. Cost of funds stood at 5.03 per cent for April -June 2017 as against 5.82 per cent for April-June 2016 and 5.24 per cent for January-March 2017. Net Interest Income for April-June 2017 increased by 6.7 per cent to `2243 crore from `2103 crore for April-June 2016. It was `2387 crore during January-March 2017. Non Interest Income for April-June 2017 stood at `1414 crore, showing increase of 36.0 per cent over April-June 2016. Operating profit increased by 26.5 per cent to `2057 crore during April-June 2017 over `1626 crore during April-June 2016 and was `2134 crore during January-March 2017. Net Profit for April-June 2017 sequentially increased to `117 crore from `109 crore in January-March 2017. Cost to income ratio improved to 43.79 per cent for April -June 2017 from 48.28 per cent for April-June 2016 and it was 44.32 per cent for January-March 2017. Return on average assets (annualised) stood at 0.10 per cent for April-June 2017 as against 0.17 per cent for April-June 2016 and 0.10 per cent for January-March 2017. Return on equity (annualised) stood at 2.46 per cent in April -June 2017 as against 3.36 per cent for April -June 2016 and 2.27 per cent for January-March 2017. Earnings per share (annualised) stood at `6.78 in April -June 2017 as against `9.69 for April -June 2016 and `6.33 for January-March 2017.
Asset Quality Gross NPA stood at 12.63 per cent as on June 30, 2017 as against 11.17 per cent as on March 31, 2017 and 10.16 per cent as on June 30, 2016. Net NPA ratio stood at 7.47 per cent as on June 30, 2017 as against 6.57 per cent as on March 31, 2017 and 6.16 per cent as on June 30, 2016. Provision Coverage Ratio stood at 51.13 per cent as on June 30, 2017 as against 51.41 per cent as on March 31, 2017. It was 49.99 per cent as on June 30, 2016.
Capital Adequacy Capital Adequacy ratio of the Bank under Basel III improved to 12.01 per cent as on June 30, 2017 as against 11.79 per cent as on March 31, 2017 and 10.75 per cent as on June 30, 2016 compared to minimum regulatory requirement of 10.25 per cent. The Tier I ratio as of June 30, 2017 is 9.24 per cent, within which Common Equity Tier 1 ratio is 7.73 per cent compared to regulatory minimum of 6.75 per cent.
Digital Initiatives The Bank has been pioneer in taking various digital initiatives and continuously launched various digital products for enhancing the customer services. Following are some of the key achievements during the quarter: 66 per cent growth in mobile banking users on YoY basis. U-Mobile transaction volume doubled from June 2016. 90 per cent growth in number of PoS terminals on YoY basis. 7th largest presence in banking industry and 3rd largest presence amongst all PSU banks within short span of time in Social media. Trendsetter on Social media channels by taking various initiatives like Live streaming, Digital Education Series â #KyaAapJanteHai etc. 67 per cent share of âtransactions through digital channelsâ in âoverall transactionsâ.
Financial Inclusion: Under the Pradhan Manrti Jan Dhan Yojana (PMJDY), the the Bank has more than 69 lakh accounts having a balance of `1270 crore. 48.91 lakh Rupay Card issued under PMJDY as on June 30, 2017.
Total enrollment under Pradhan Mantri Suraksha Bima Yojana (PMSBY), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Atal Pension Yojana (APJ) increased to 30.1 lakh, 12.8 lakh and 2.21 lakh respectively. The Bank financed `696 crore in 33433 accounts under Pradhan Mantri Mudra Yojana, including an amount of `211 crore to 7964 beneficiaries through a specific scheme for financing of light commercial vehicle during AprilâJune 2017.
Network The Bank has 4286 branches as of June 30, 2017 including 4 overseas branches at Hong Kong, DIFC (Dubai), Antwerp (Belgium) and Sydney (Australia). In addition, the Bank has representative offices at Shanghai, Beijing and Abu Dhabi. The Bank also operates in United Kingdom through its wholly owned subsidiary, Union Bank of India (UK) Ltd. Total number of ATMs stood at 7574 including 1685 talking ATMs as of June 30, 2017. ATM to branch ratio stood at 1.77.
Awards & Accolades during FY 2017-18 (April-June) Skoch Award Skoch Order of merit Award â Operational Customer Relationship Management (OCRM) Skoch Financial Technology Award - Unified Payment Interface(UPI) Skoch Financial Technology Award - Green PIN solution for Debit cards Skoch Financial Technology Award - Union Digi Gaon Skoch Financial Inclusion Award for Financial Inclusion
'Very recent data confirms slumping household saving ratios in both the US and UK. This was last seen in 2007, just before the bursting debt bubble blew the global economy and financial system to smithereens. The Fed and BoE should surely hang their heads in shame having presided over yet another impending disaster. Why will politicians and the people tolerate this incompetence? Indeed they wonât.'
'..history and logic both show that concerns over consumer price deflation are seriously misplaced.
Worse yet, in their attempts to fight routine consumer price deflation, central bankers create very destructive asset bubbles that eventually collapse, setting off what they should fear â asset bubble deflations following a buildup of bank credit on inflated assets.'
'..If you canât see this next crisis coming, youâre not paying the right kind of attention..'
'This Fed has already engineered the next crisis, just as Greenspan kept rates too low for too long, ignored his regulatory responsibility, and engineered the housing bubble and subprime crisis. If you canât see this next crisis coming, youâre not paying the right kind of attention. The Trump Fed is going to have to deal with that crisis, but we still have many questions as to what a Trump Fed will actually look like or do.'
'Powerful people everywhere routinely make decisions that hurt others. We see it in central bankers, politicians, corporate CEOs, religious groups, universities â any large organization. The old saying is right: Power really does corrupt. And corruption is a barrier to sustainable economic growth. This is more than a political problem; it has a serious economic impact.
Recent psychological research suggests that powerful people behave remarkably like traumatic brain injury victims. Controlled experiments show that, given power over others, people often become impulsive and less sensitive to risk. Most important, test subjects often lose empathy, that is, the ability to understand and share the feelings of others.
Powerful people also lose a capacity called âmirroring.â When we observe other people doing something, our brains react as if we were doing the same thing. Itâs why, when you watch a sporting event, you may unconsciously mimic a golf swing or the refereeâs hand signals. Some portion of your brain thinks you are really there. But when researchers prime test subjects with powerful feelings, their mirroring capacity decreases.
You can see why this is a problem. The Protected-class members of the Federal Open Market Committee must feel quite powerful when they gather in that fancy room to make policy decisions. Itâs no wonder they forget how their decisions will affect regular working-class people: Their empathy circuits get turned off.'
'..I now feel that it's highly likely we will face a major financial crisis, if not later this year, then by the end of 2018 at the latest..'
'Re-entering the news flow was a jolt, and not in a good way. Looking with fresh eyes at the economic numbers and central bankersâ statements convinced me that we will soon be in deep trouble. I now feel that it's highly likely we will face a major financial crisis, if not later this year, then by the end of 2018 at the latest. Just a few months ago, I thought we could avoid a crisis and muddle through. Now I think weâre past that point. The key decision-makers have (1) done nothing, (2) done the wrong thing, or (3) done the right thing too late.
Having realized this, Iâm adjusting my research efforts. I believe a major crisis is coming. The questions now are, how severe will it be, and how will we get through it? With the election of President Trump and a Republican Congress, your naÃ¯ve analyst was hopeful that we would get significant tax reform, in addition to reform of a healthcare system that is simply devastating to so many people and small businesses. I thought maybe weâd see this administration cutting through some bureaucratic red tape quickly. With such reforms in mind I was hopeful we could avoid a recession even if a crisis developed in China or Europe.
One news item I didnât miss on St. Thomas â and rather wish I had â was Janet Yellenâs reassurance regarding the likelihood of another financial crisis. Here is the full quote.
Would I say there will never, ever be another financial crisis? You know probably that would be going too far, but I do think weâre much safer, and I hope that it will not be in our lifetimes and I donât believe it will be. [emphasis added]
I disagree with almost every word in those two sentences, but my belief is less important than Chair Yellenâs. If she really believes this, then she is oblivious to major instabilities that still riddle the financial system. Thatâs not good.
Financial politicians (which is what central bankers really are) have a long history of saying the wrong things at the wrong time. Far worse, they simply fail to tell the truth. Former Eurogroup leader Jean-Claude Juncker admitted as much: âWhen it becomes serious, you have to lie,â he said in the throes of Europeâs 2011 debt crisis.'
'..Market distortions â including valuations, deeply embedded complacency, and Trillions of perceived safe securities â have become only further detached from reality. And the longer all this unstable finance flows freely into the real economy, the deeper the structural maladjustment.'
'This week marks the five-year anniversary of Draghiâs âwhatever it takes.â I remember the summer of 2012 as if it were yesterday. From the Bubble analysis perspective, it was a Critical Juncture â for financial markets and risk perceptions, for policy and for the global economy. Italian 10-year yields hit 6.60% on July 24, 2012. On that same day, Spain saw yields surge to 7.62%. Italian banks were in freefall, while European bank stocks (STOXX600) were rapidly approaching 2009 lows. Having risen above 55 in 2011, Deutsche Bank traded at 23.23 on July 25, 2012.
It was my view at the time that the âEuropeanâ crisis posed a clear and immediate threat to the global financial system. A crisis of confidence in Italian debt (and Spanish and âperipheryâ debt) risked a crisis of confidence in European banks â and a loss of confidence in European finance risked dismantling the euro monetary regime.
Derivatives markets were in the crosshairs back in 2012. A crisis of confidence in European debt and the euro would surely have tested the derivatives marketplace to the limits. Moreover, with the big European banks having evolved into dominant players in derivatives trading (taking share from U.S. counterparts after the mortgage crisis), counter-party issues were at the brink of becoming a serious global market problem. Itâs as well worth mentioning that European banks were major providers of finance for emerging markets.
From the global government finance Bubble perspective, Draghiâs âwhatever it takesâ was a seminal development. The Bernanke Fed employed QE measures during the 2008 financial crisis to accommodate deleveraging and stabilize dislocated markets. Mario Draghi leapfrogged (helicopter) Bernanke, turning to open-ended QE and other extreme measures to preserve euro monetary integration. No longer would QE be viewed as a temporary crisis management tool. And just completely disregard traditional monetary axiom that central banks should operate as lender of last resort in the event of temporary illiquidity â but must avoid propping up the insolvent. âWhatever it takesâ advocates covert bailouts for whomever and whatever a small group of central bankers chooses â illiquid, insolvent, irredeemable or otherwise. Now five years after the first utterance of âwhatever it takes,â the Draghi ECB is still pumping out enormous amounts of âmoneyâ on a monthly basis (buying sovereigns and corporates) with rates near zero.
Iâm convinced five years of âwhatever it takesâ took the global government finance Bubble deeper into perilous uncharted territory. Certainly, markets are more complacent than ever, believing central bankers are fully committed to prolonging indefinitely the securities bull market. Meanwhile, leverage, speculative excess and trend-following flows have had an additional five years to accumulate. Market distortions â including valuations, deeply embedded complacency, and Trillions of perceived safe securities â have become only further detached from reality. And the longer all this unstable finance flows freely into the real economy, the deeper the structural maladjustment.'
'..This whole episode is likely to end so badly that future children will learn about it in school and shake their heads in wonder at the rank stupidity of it all, just like many of us did when we learned about the Dutch Tulip mania.'
'While I've written about numerous valuation measures over time, the most reliable ones share a common feature: they focus on identifying "sufficient statistics" for the very, very long-term stream of cash flows that stocks can be expected to deliver into the hands of investors over time. On that front, revenues are typically more robust "sufficient statistics" than current or year-ahead earnings. See Exhaustion Gaps and the Fear of Missing Out for a table showing the relative reliability of a variety of measures. In April 2007, I estimated that an appropriate valuation for the S&P 500 stood about 850, roughly -40% lower than prevailing levels. By the October peak, the prospective market loss to normal valuation had increased to about -46%. As it happened, the subsequent collapse of the housing bubble took the S&P 500 about -55% lower. In late-October 2008, as the market plunge crossed below historically reliable valuation norms, I observed that the S&P 500 had become undervalued on our measures.
Again attempting to âstimulateâ the economy from the recession that followed, the Federal Reserve cut short-term interest rates to zero in recent years, provoking yet another episode of yield-seeking speculation, where yield-starved investors created demand for virtually every class of securities, in the hope of achieving returns in excess of zero. Meanwhile, Wall Street, suffering from what J.K. Galbraith once called the âextreme brevity of the financial memory,â convinced itself yet again that the whole episode was built on something more solid than quotes on a screen and blotches of ink on paper..
..greater real economic activity was never the likely outcome of all this quantitative easing (indeed, one can show that the path of the economy since the crisis has not been materially different than what one could have projected using wholly non-monetary variables). Rather, Ben Bernanke, in his self-appointed role as Mad Hatter, was convinced that offensively hypervalued financial markets - that encourage the speculative misallocation of capital, imply dismal expected future returns, and create temporary paper profits that ultimately collapse - somehow represent a greater and more desirable form of âwealthâ compared with reasonably-valued financial markets that offer attractive expected returns and help to soundly allocate capital. Believing that wealth is embodied by the price of a security rather than its future stream of cash flows, QE has created a world of hypervaluation, zero prospective future returns, and massive downside risks across nearly every conventional asset class.
And so, the Fed created such an enormous pool of zero interest bank reserves that investors would feel pressure to chase stocks, junk debt, anything to get rid of these yield-free hot potatoes. That didnât stimulate more real, productive investment; it just created more investors who were frustrated with zero returns, because someone had to hold that base money, and in aggregate, all of them had to hold over $4 trillion of the stuff at every moment in time.
When you look objectively at what the Fed actually did, should be obvious how its actions encouraged this bubble. Every time someone would get rid of zero-interest base money by buying a riskier security, the seller would get the base money, and the cycle would continue until every asset was priced to deliver future returns near zero. Weâre now at the point where junk yields are among the lowest in history, stock market valuations are so extreme that we estimate zero or negative S&P 500 average annual nominal total returns over the coming 10-12 year horizon, and our estimate of 12-year prospective total returns on a conventional mix of 60% stocks, 30% Treasury bonds, and 10% Treasury bills has never been lower (about 1% annually here). This whole episode is likely to end so badly that future children will learn about it in school and shake their heads in wonder at the rank stupidity of it all, just like many of us did when we learned about the Dutch Tulip mania.
Examine all risk exposures, consider your investment horizon and risk-tolerance carefully, commit to the flexibility toward greater market exposure at points where a material retreat in valuations is joined by early improvement in market action (even if the news happens to be very negative at that point), fasten your protective gear, and expect a little bit of whiplash. Remember that the âcatalystsâ often become evident after prices move, not before. The completion of this market cycle may or may not be immediate, but with the median stock at easily the most extreme price/revenue ratio in history, and a run-of-the-mill outcome now being market loss on the order of -60%, the contrast between recent stability and likely future volatility could hardly be more striking.'
'..But after a decade of unprecedented expansion of government debt and central bank Credit, the stage has now been set for a more systemic 1929-like financial dislocation.'
'June 27 â Reuters (William Schomberg, Marc Jones, Jason Lange and Lindsay Dunsmuir): âU.S. Federal Reserve Chair Janet Yellen said on Tuesday that she does not believe that there will be another financial crisis for at least as long as she lives, thanks largely to reforms of the banking system since the 2007-09 crash. âWould I say there will never, ever be another financial crisis?â Yellen saidâ¦ âYou know probably that would be going too far but I do think we're much safer and I hope that it will not be in our lifetimes and I don't believe it will be,â she said.â
While headlines somewhat paraphrased Yellenâs actual comment, âWe Will not see Another Crisis in Our Lifetimeâ is reminiscent of Irving Fisherâs âpermanent plateauâ just weeks before the great crash of 1929. While on the subject, I never bought into the popular comparison between 2008 and 1929 â and the related notion of 2008 as âthe 100-year floodâ. The 2008/09 crisis was for the most part a private debt crisis associated with the bursting of a Bubble in mortgage Credit â not dissimilar to previous serial global crises, only larger and somewhat more systemic. It was not, however, a deeply systemic debt crisis akin to the aftermath of 1929, which was characterized by a crisis of confidence in the banking system, the markets and finance more generally, along with a loss of faith in government policy and institutions. But after a decade of unprecedented expansion of government debt and central bank Credit, the stage has now been set for a more systemic 1929-like financial dislocation.
As such, itâs ironic that the Fed has branded the banking system cured and so well capitalized that bankers can now boost dividends, buybacks and, presumably, risk-taking. As conventional central bank thinking goes, a well-capitalized banking system provides a powerful buffer for thwarting the winds of financial crisis. Chair Yellen, apparently, surveys current bank capital levels and extrapolates to systemic stability. Yet the next crisis lurks not with the banks but within the securities and derivatives markets: too much leverage and too much âmoneyâ employed in trend-following trading strategies. Too much hedging, speculating and leveraging in derivatives. Market misperceptions and distortions on an epic scale.
Compared to 2008, the leveraged speculating community and the ETF complex are significantly larger and potentially perilous. The derivatives markets are these days acutely more vulnerable to liquidity issues and dislocation. Never have global markets been so dominated by trend-following strategies. Itâs a serious issue that asset market performance â stocks, bond, corporate Credit, EM, real estate, etc. â have all become so tightly correlated. There are huge vulnerabilities associated with various markets having become so highly synchronized on a global basis. And in the grand scheme of grossly inflated global securities, asset and derivatives markets, the scope of available bank capital is trivial.
I realize that, at this late stage of the great bull market, such a question sounds hopelessly disconnected. Yet, when markets reverse sharply lower and The Crowd suddenly moves to de-risk, who is left to take the other side of what has become One Gargantuan âTradeâ? Weâre all familiar with the pat response: âCentral banks. Theyâll have no choice.â Okay, but Iâm more interested in the timing and circumstances.
Central bankers are now signaling their desire to proceed with normalization, along with noting concerns for elevated asset prices. As such, I suspect they will be somewhat more circumspect going forward when it comes to backstopping the markets - than, say, back in 2013 with Bernankeâs âflash crashâ or with the China scare of early-2016. Perhaps this might help to explain why the VIX spiked above 15 during Thursday afternoon trading. Even corporate debt markets showed a flash of vulnerability this week.'
'..the amount of leverage and excess that has accumulated in bond and Credit markets over the past eight years of extreme monetary stimulus.'
'The Fed is not blind. They monitor stock prices and corporate debt issuance; they see residential and commercial real estate market values. Years of ultra-low rates have inflated Bubbles throughout commercial real estate â anything providing a yield â in excess of those going into 2008. Upper-end residential prices are significantly stretched across the country, also surpassing 2007. They see Silicon Valley and a Tech Bubble 2.0, with myriad excesses that in many respects put 1999 to shame. Iâll assume that the Fed is concerned with the amount of leverage and excess that has accumulated in bond and Credit markets over the past eight years of extreme monetary stimulus.
The Fed collapsed fed funds from 6.50% in December 2000 to an extraordinarily low 1.75% by the end of 2001. In the face of an escalating corporate debt crisis, the Fed took the unusual step of cutting rates another 50 bps in November 2002. Alarmingly, corporate Credit was failing to respond to traditional monetary policy measures (despite being aggressively applied). Ford in particular faced severe funding issues, though the entire corporate debt market was confronting liquidity issues. Recall that the S&P500 dropped 23.4% in 2002. The small caps lost 21.6%. The Nasdaq 100 (NDX) sank 37.6%, falling to 795 (having collapsed from a March 2000 high of 4,816). No financial instability?
I revisit history in an attempt at distinguishing reality from misperceptions. Of course the Fed will generally dismiss the consequences of Bubbles. Theyâre not going to aggressively embark on reflationary policies while espousing the dangers of asset price and speculative Bubbles. Instead, they have painted the âhousing Bubbleâ as some egregious debt mountain aberration. And paraphrasing Kashkari, since todayâs stock market has nowhere as much debt as housing had in 2007, thereâs little to worry about from a crisis and financial instability perspective.
Well, if only that were the case. Debt is a critical issue, and thereâs a whole lot more of it than back in 2008. Yet when it comes to fragility and financial crises, market misperceptions and distortions play fundamental roles. And thereâs a reason why each bursting Bubble and resulting policy-induced reflation ensures a more precarious Bubble: Not only does the amount of debt continue to inflate, each increasingly intrusive policy response elicits a greater distorting impact on market perceptions.
I doubt Fed governor Bernanke actually anticipated that the Fed would have to resort to âhelicopter moneyâ and the âgovernment printing pressâ when he introduced such extreme measures in his 2002 speeches. Yet seeing that the Fed was willing to push its monetary experiment in such a radical direction played a momentous role in reversing the 2002 corporate debt crisis, in the process stoking the fledgling mortgage finance Bubble. And the Bernanke Fed surely thought at the time that doubling its balance sheet during the 2008/09 crisis was a one-time response to a once-in-a-lifetime financial dislocation. Iâll assume they were sincere with their 2011 âexit strategy,â yet only a few short years later theyâd again double the size of their holdings.
Despite assertions to the contrary, the bursting of the âtechâ Bubble unleashed significant financial instability. To orchestrate reflation, the Fed marshaled a major rate collapse, which worked to stoke already robust mortgage Credit growth. The collapse in telecom debt, an unwind of market-based speculative leverage and the rapid slowdown in corporate borrowings was over time more than offset by a rapid expansion in housing debt and the enormous growth in mortgage-related speculative leverage (MBS, ABS, derivatives).
Iâve never felt comfortable that Chinese authorities appreciate the types of risks that have been mounting beneath the surface of their massively expanding Credit system. Global markets seemed attentive a year ago, but have since been swept away by the notion of the all-powerful âChina putâ conjoining with the steadfast âFed put.â These types of market perceptions create tremendous inherent fragility.'
'Itâs now an all-too-familiar Bubble Dynamic. The greater the Bubble inflates, the more impervious it becomes to cautious âtighteningâ measures..'
'The problem today is that years of ultra-loose monetary conditions have ensured everyone is crowded on the same bullish side of the boat. Tipping the vessel at this point will be chaotic, and the Fed clearly doesnât want to be the instigator. Meanwhile, timid little baby-step increases only ensure more problematic market Bubbles and general financial excess.
Itâs now an all-too-familiar Bubble Dynamic. The greater the Bubble inflates, the more impervious it becomes to cautious âtighteningâ measures. And the longer the accommodative backdrop fuels only more precarious Bubble Dynamics, the more certain it becomes that central bankers will approach monetary tightening timidly. Yellen confirmed to the markets Wednesday that the Fed would remain timid â still focused on some theoretical âneutral rateâ and seemingly oblivious to conspicuous financial market excess. The fixation remains on consumer prices that are running just a tad under its 2% target. Meanwhile, runaway securities market inflation is completely disregarded.'
'..In terms of Credit Bubble momentum, itâs notable that Net Worth inflated over $2.0 TN in both Q3 and Q4.'
'The unprecedented amount of system-wide debt is so enormous that the annual percentage gains no longer appear as alarming. Non-Financial Debt expanded 4.7% in 2016, up from 2015âs 4.4%. Total Household Debt expanded 3.6%, with Total Business borrowings up 5.6%. Financial Sector borrowings expanded 2.9% last year, the strongest expansion since 2008.
Securities markets remain the centerpiece of this long reflationary cycle. Total (debt and equities) Securities jumped $1.50 TN during Q4 to a record $80.344 TN, with a one-year rise of $4.80 TN. As a percentage of GDP, Total Securities increased to 426% from the year ago 415%. For comparison, Total Securities peaked at $55.3 TN during Q3 2007, or 379% of GDP. At the previous Q1 2000 cycle peak, Total Securities had reached $36.0 TN, or 359% of GDP.
The Household Balance Sheet also rather conspicuously illuminates Bubble Dynamics. Household Assets surged $6.0 TN during 2016 to a record $107.91 TN ($9.74 TN 2-yr gain). This compares to the peak Q3 2007 level of $81.9 TN and $70.0 TN to end 2008. Q4 alone saw Household Assets inflate $2.192 TN, with Financial Assets up $1.589 TN and real estate gaining $557bn.
With Household Liabilities increasing $473bn over the past year, Household Net Worth (assets minus liabilities) inflated a notable $5.518 TN in 2016 to a record $92.805 TN. As a percentage of GDP, Net Worth rose to a record 492%. For comparison, Household Net Worth-to-GDP ended 1999 at 435% ($43.1 TN) and 2007 at 453% ($66.5 TN). Net Worth fell to a cycle low 378% of GDP ($54.4TN) in Q1 2009. In terms of Credit Bubble momentum, itâs notable that Net Worth inflated over $2.0 TN in both Q3 and Q4.
UBS analysts forecast (above) $3.3 TN of 2017 Chinese Total Social Financing (TSF). And with TSF excluding national government deficit spending, letâs add another $300bn and presume 2017 Chinese system Credit growth of around $3.6 TN. As such, itâs possible that China and the U.S. could combine for Credit growth approaching an Unparalleled $6.0 TN. There are, as well, indications of an uptick in lending in the euro zone, and Credit conditions for the most part remain loose throughout EM. Importantly, the inflationary biases that have gained momentum in asset and securities markets and, increasingly, in consumer prices and corporate profits provide a tailwind for Credit expansion.'
'Now that he is president, Trump likes to tout the fact heâs listening to Americaâs generals. Perhaps he needs to talk to General Mike Millen, the former Chairman of the Joint Chiefs of Staff. Perhaps then he would see that the greatest threat America faces isnât from China, Russia, or North Korea â it is from the national debt. Until Trump reverses course on military spending, and gets tough on entitlements, his "America First" budget will only make the US worse off.'
'Under a Republican budget resolution, the national debt will explode by a third from an already staggering $19 billion to $29 trillion over the next ten years. Although counterintuitive, Democratic presidents, at least those after World War II, have reduced deficits as a portion of the value of the national economy (GDP) while Republican presidents have increased them â thus accumulating less public debt as a percentage of GDP. Yet neither political party has paid enough attention to this burgeoning national security problem.
National security problem? Yes. General Mike Mullen, while he was Chairman of the Joint Chiefs of Staff, the nationâs top military man, was enlightened enough about long-term health of American power to realize that it takes continuing infusions of money to acquire the weapons and equipment, personnel, training, maintenance and benefits to create a credible military to adequately defend the country. In addition, all other indices of national power â political, diplomatic and cultural â require money too.
To generate those resources, a strong economy is needed. The number one problem dragging down economic growth rates through the George W. Bush and Barack Obama presidencies was a crippling national debt..'
'.."What If," points out that he thinks â¦ and of course this is speculation, counterfactual history ... that if we had had no Russian Revolution, we wouldnât have gotten to that point where communism took over, no Lenin, no Stalin, there would be no Treaty of Versailles, mistreated Germany, therefore Hitler would not have had his cause to rise and no Hitler and Nazism and World War II..'
'Deist: One thing thatâs so remarkable about the Christmas Truce is this whole question of what might have happened if the truce had spread and this had caused the war to end earlier or be somehow limited. Weintraub addresses this in his book. We may not have had the rise of communism, the Russian Revolution and Stalin and Lenin, we certainly would not have had Versailles. As a result, we might not have had Hitler or Nazism or maybe even FDR. I mean, itâs remarkable to think about, isnât it?
Denson: Thatâs right and thatâs counterfactual history at its best. Weintraub, in his last chapter, entitled "What If," points out that he thinks â¦ and of course this is speculation, counterfactual history ... that if we had had no Russian Revolution, we wouldnât have gotten to that point where communism took over, no Lenin, no Stalin, there would be no Treaty of Versailles, mistreated Germany, therefore Hitler would not have had his cause to rise and no Hitler and Nazism and World War II, as I have argued in the past, World War II was simply a continuation of World War I with a truce, and World War I was to see if you could remake the world to benefit the English, the British, and the Russian Czar. World War II was to see if you could keep it that way, what theyâd done in World War I. So, it would have changed the whole history, in my opinion, of the twentieth century. And, we are still in the Middle East, suffering the results of the treaties that ended World War I. I mean, the treaties that created Iraq, tried to give Syria to the French, and Israel was created in the middle of an Arab world and itâs still a problem that was created by the World War I treaties. So, all of that, the whole twentieth century, I think, would have been completely different, if it could have ended, say when the troops stopped at Christmas of 1914. Itâs amazing to think about that.
..H. Kingsley Wood, a cabinet minister, got up and made a speech and he said, he had been in the trenches, he said in the front trenches in Christmas 1914 and he said, I took part in what was well known at the time as a truce. We went over in front of the trenches and shook hands with many of our German enemies and a great number of people and I think we did something that was degrading or wrong and refused to stop, he said, the fact is, we did it. And I then came to the conclusion that I have held very firmly ever since, that if we had been left to ourselves, there never would have been another shot fired. For a fortnight, the troops went on and we were on the most friendly terms and it was only the fact that we were being controlled by others that made it necessary for us to start trying to shoot one another again.
And he blamed the resumption of war on âthe grip of the political system which was bad, and I and others who were there at the time, determined there and then, never to rest until we had seen whether we could change it.â And then it concludes. There are people that thrive on war, the military industrial complex and one of the results of the World War I revisionism showed that the people that do the armaments and make money off that, help cause war. There are people, bankers, that have an interest. JP Morgan had a big interest in America getting into World War I and he financed the British Army..'
'A bank that has proved multiple times that it has no reason to exist should exit the market to allow stronger competitors to survive.'
'This isnât Monte Paschiâs first state-aid rodeo. Italy bailed it out twice after the crisis when the lender failed stress tests, posted billions of euros of losses and creaked under a mountain of bad loans.
The bankâs track record has convinced some observers that it should be put into resolution, not bailed out. That would require a determination by the ECB that Monte Paschi is insolvent.
âA bank that has proved multiple times that it has no reason to exist should exit the market to allow stronger competitors to survive,â said Lutz Roehmeyer, a fund manager at Landesbank Berlin Investment in Berlin. âPermanent rescues make it impossible to clean up the market and achieve risk-adequate pricing.â '
Ruqayyah Waris Maqsood, Menulis Hingga Nafas Berakhir
Ia mendapat ijazah dibidang Teologi Kristen. Namun pengetahuan Kristen-nya yang begitu mendalam menjadikan dia mencintai Islam. Ingin terus menulis hingga akhir hayat Ruqayyah Waris Maqsood dilahirkan pada tahun 1942 di kota London, Inggris. Ruqayyah merupakan salah satu penulis buku-buku Islam paling produktif. telah menghasilkan lebih dari 30 buku berkenaan dengan Islam. Buku-bukunya termasuk best seller dan menjadi referensi serta rujukan di berbagai negara. Awalnya dia dibesarkan dalam lingkungan Kristen Protestan. Nama asalnya ialah Rosalyn Rushbrook . Dia memperoleh ijazah dalam bidang Teologi Kristen dari Universitas Hull tahun 1963. Pengetahuan Kristennya begitu mendalam hingga dia menulis beberapa buah buku, tentang Kristen. Tapi rupanya, karena pengetahuannya yang begitu mendalam tentang Kristen pula yang menyadarkannya. Ia dapati ajaran Kristen telah banyak menyimpang, terutama yang berkaitan dengan konsep Trinitas. Akhirnya tahun 1986, diusia 44 tahun, dia memeluk Islam. Tahun 2001 dia dianugerahkan Muhammad Iqbal Awards karena sumbangannya yang tinggi dalam pengembangan metodologi pengajaran Islam. Bahkan Maret 2004 Ruqayyah terpilih sebagai salah satu dari 100 wanita berprestasi di dunia. Berikut rangkuman kehidupannya dikutip dari berbagai sumber. Orang beriman tak takut dengan penderitaan hidup; tak takut dengan kematian; juga tak takut dengan kehidupan setelah dunia ini; karena Allah bersama mereka. Mereka tak sendirian, Allah selalu menemani dan membimbingnya. Allah itu nyata, Dia menyayangi kamu. Dia mengetahui semua kesukaran yang kamu hadapi dalam perjuangan. Bahkan, jika kamu berbuat salah, Dia masih tetap mencintaimu.ï¾ ~Ruqayyah Waris Maqsood~ Bait-bait kalimat di atas menggambarkan betapa teguhnya hati seorang Ruqayyah. Bait penuh makna itu diadopsinya dari ayat-ayat suci Al-Quran. Dia memang menumpukan setiap tulisannya dengan memasukkan petuah-petuah dari Al-Quran dan hadis Nabi Muhammad SAW. Ruqayyah Waris Maqsood yang diilahirkan tahun 1942 di London, Inggris, pada ada usia 8 tahun telah jadi seorang anak yang memiliki komitmen yang tinggi dengan Kristen sebagai hasil dari panggilan hatinya. Setelah menamatkan program sarjana ilmu teologi (1963) dan master bidang pendidikan (1964) dari Universitas Hull, dia selama hampir 32 tahun mengelola program studi ilmu-ilmu keagamaan di berbagai sekolah dan perguruan tinggi di Inggris. Dia menikah dengan penyair Georg Morris Kendrick pada tahun 1964. Dari perkawinannya dengan Georg mereka memiliki dua orang anak, Daniel George lahir 1968 dan Frances Elisabeth Eva lahir 1969. Tahun 1986 pasangan itu bercerai. Tahun itu pula masuk Islam dan tahun 1990 menikah lagi dengan pria keturunan Pakistan, Waris Ali Maqsood namanya. ï¾Saat ini Islam dicap sebagai agama bermasalah. Sangat tidak adil. Karena itu saya berupaya menulis untuk memperbanyak literatur-literatur Islam. Harapa saya agar, melalui tulisan-tulisan itu, dapat membantu memperbaiki atmosfir yang kurang berpihak ke Islam,ï¾ cetusnya. ï¾Saya sangat tertarik menggeluti sejarah Islam, terutama tentang kehidupan wanita-wanita di sekitar Nabi Muhammad. Saya acapkali meng-counter kampanye anti Islam yang mendiskreditkan wanita Muslim,ï¾ kata dia. Best seller Mau tahu seberapa produktifnya dia? Catat saja, sewaktu masih bernama Rosalyn Rushbrook dia menghasilkan 9 buah buku yang umumnya berisi isu agama. Dan satu volume buku kumpulan puisi. Lalu selepas hijrah ke Islam, dia menghasilkan sekitar 30 buah buku. Saat ini dia memiliki 9 buah buku yang masih dalam proses penerbitan. Dia juga menulis berbagai artikel di majalah maupun koran yang berkaitan dengan Islam dan Muslim. Salah satu sumbangannya yang paling penting bagi komunitas Islam adalah The Muslim Marriage Guide (Petunjuk Pernikahan bagi Muslim). Buku itu menjadi rujukan dan direkomendasikan, tidak saja untuk pasangan yang akan menikah namun juga bagi mereka yang telah lama mengarungi bahtera rumah tangga. Bagi kalangan non Muslim, terutama yang sedang mendalami Islam, tentu saja buku Ruqayyah menjadi referensi yang sangat berharga. Dalam buku yang bernilai tinggi itu dia menggambarkan kehidupan Nabi Muhammad SAW dan para sahabatnya dilengkapi dengan petunjuk, tatacara dan hukum perkawinan. Tak hanya dia juga menguraikan bagaimana pertalian suami istri dalam hal warisan dan sejenisnya. Jadi sangat terpadu dan lengkap. Ruqayyah pernah diundang oleh Hodder Headlines untuk menulis buku Islam for the World Faiths (Islam bagi Penganut Agama se-Dunia). Saat ini buku itu telah dicetak sebanyak tiga kali dan termasuk salah satu buku best seller. Tak hanya buku-buku kategori ï¾beratï¾, dia juga menulis buku-buku tentang bimbingan konseling bagi remaja Islam. Juga ada beberapa buku saku, antara lain; a Guide for Visitors to Mosques, a Marriage Guidance booklet, Muslim Womenï¾s Helpline. Bukunya di Indonesia banyak diterbitkan oleh Mizan. Misalnya Menciptakan Surga Rumah Tangga. Lalu buku bimbingan untuk remaja berjudul Menyentuh Hati Remaja. Buku itu mengulas seputar solusi untuk mengatasi problema-problema remaja. ï¾Mengapa hidup kita di dunia ini kadang-kadang berlalu dalam keadaan sulit. Ada cerita terkenal tentang seorang petani Afrika yang menanam rami. Ia harus menanamnya dalam keadaan yang sulit, dengan kondisi tanah yang mematahkan punggung dan dengan sedikit hujan untuk menyiraminya. Ketika ia pindah ke tempat yang iklimnya lebih bersahabat, ia membawa beberapa tanaman rami tersebut, dengan pikiran bahwa tanamana ini akan mudah tumbuh di tempat yang baru. Ya, tanaman itu memang tumbuh, besar, hijau dan subur; tetapi ketika ia mencabut batang itu untuk mengeluarkan seratnya, ternyata batangnya tidak berisi serat kecuali ampas. Tanaman itu memerlukan kondisi sulit untuk mengembangkan kekuatan batangnya,ï¾ tulis Ruqayyah dalam buku bimbingan remajanya, dengan perumpamaan yang gampang dimengerti remaja dan juga memberi motivasi hidup. Silabus Islam ï¾Saya juga diminta menulis buku teks yang dipakai secara luas di Inggris selama hampir 20 tahun. Buku-buku teks itu dipakai oleh kalangan pribadi, muallaf, dan pelajar-pelajar sekolah umum dan madrasah. Tidak saja di Inggris tapi juga di beberapa negara lainnya,ï¾ begitu katanya. Ya, memang Ruqayyah juga sibuk menulis buku-buku teks yang banyak dijadikan rujukan. Ia membantu mengembangkan silabus bagi pelajar sekolah agama, bekerjasama dengan dinas pendidikan setempat. Silabusnya tergolong unik, dibuat khusus agar pelajar mandiri. Jadi, tanpa guru atau fasilitas tetap bisa jalan. Silabusnya dirancang untuk pelajar sekolah dasar hingga perguruan tinggi. Menariknya lagi, bisa dipakai untuk pendidikan formal, non formal, misal di rumah, bahkan juga di penjara. Pokoknya untuk dimana saja. Menjadi tutor jarak jauh (distance learning) untuk Asosiasi Peneliti Muslim (AMR) adalah aktifitas lainnya. Aktifitas mengajarnya juga padat. Banyak negara telah disambanginya, diantaranya AS, Kanada, Denmark, Swedia, Finlandia, Irlandia dan Singapura. Ruqayyah juga mengajar di beberapa universitas yang ada di Inggris seperti Oxford, Cambridge Edinburg, Glasgow dan Manchester. Juga mengajar di School of Oriental and Arabic Studies di London. Atas aktifitas dan jasanya itu ia menerima Muhammad Iqbal Award tahun 2001 atas kreatifitasnya dalam mengembangkan pembelajaran Islam. Dialah muslim pertama Inggris yang pernah menerima anugerah bergengsi tersebut. Tak hanya itu, Maret 2004 Ruqayyah terpilih sebagai salah satu dari 100 wanita berprestasi di dunia. Dalam ajang pemilihan Daily Mailï¾s Real Women of Achievement, dia termasuk satu dari tujuh orang wanita berprestasi dalam kategori keagamaan. Menulis dan Terus Menulis Majalah Islam, Emel pernah menanyakan adakah ia merasa lelah dengan seabrek aktifitasnya itu serta bagaimana membagi waktu menulis dan mengurus rumah tangga, misalnya di kesibukannya dengan para cucunya. ï¾Saya sangat ketat dengan waktu. Bertahun-tahun saya menjalani itu dan sudah jadi irama hidup saya, hingga semua jadi mudah. Saya biasanya menulis malam hari. Kala semua telah tidur, hingga tak ada yang mengganggu saya. Jam 4 pagi saya bangun untuk shalat subuh. Selepas itu saya tidur sejenak hingga jam 8 pagi. Beraktifitas lagi dan siangnya saya ambil waktu untuk istirahat,ï¾ ujarnya. ï¾Kerja saya sehari-hari ya menulis. Kini ada lebih dari 40 buku telah diterbitkan. Belum lama saya telah menyelesaikan satu manuskrip yang sangat tebal tentang Kehidupan Rasulullah SAW. Buku berjudul ï¾The Life of Prophet Muhammadï¾ itu diterbitkan oleh Islamic Research Institute of Islamabad tahun 2006 silam,ï¾ katanya. Tentang pembajakan buku-buku, Ruqayyah mengaku sedih dengan tingginya kasus pembajakan buku terutama di negara-negara Islam. ï¾Kenyataan saat ini banyak buku-buku Islam yang dibajak dan pembajaknya adalah orang Islam sendiri. Sedih bukan? ï¾ ujarnya risau. Tentang Yesus Dia memiliki pengetahuan Kristen begitu mendalam. Dengan pengetahuannya itu Ruqayyah bergerak atas inisiatif sendiri mencari kebenaran berdasar kajian-kajian ilmiahnya. Namun akhirnya dia meninggalkan agamanya itu setelah bergulat bertahun-tahun dalam pencarian atas pertanyaan-pertanyaannya tentang konsep teologi Trinitas. Dia tak menemukan apa-apa. Jadi Ruqayyah memeluk Islam murni berdasar latar belakang pengetahuannya dan kajian mendalam tentang ajaran ketuhanan, baik dalam Islam dan Kristen. Seperti kebanyakan muallaf lainnya, dia menyebut dirinya telah ï¾kembaliï¾ menjadi Muslim. Kini dia memperjuangkan Islam lewat tulisan dan buku-bukunya. Dalam sebuah wawancara dengan sebuah media, dia ditanya perihal konsep Islam tentang Nabi Isa yang dalam ajaran Kristen disebut Yesus. ï¾Di negara Barat ada ajaran ilmu etika berinti pada cinta dan kasih Tuhan dan tolong menolong sesama manusia. Itu semua diajarkan juga oleh semua nabi termasuk di dalamnya, tentu saja, Nabi Muhammad SAW. Kami orang Islam juga meyakini Nabi Isa sebagai salah satu nabi yang diutus Allah,ï¾ kata Ruqayyah. ï¾Sebelum Nabi Isa datang, nabi-nabi terdahulu membawa ajaran Yahudi. Kami juga beriman dengan nabi-nabi terdahulu yang diutus kepada umat-umat sebelum Islam datang, Yahudi adalah salah satu agama samawi juga. Nabi Isa datang membawa ajaran Kristen itu kami yakni juga. Kemudian Nabi Muhammad diutus Allah membawa ajaran Islam dan tugas Isa AS telah selesai, Jadi tidak seperti dipahami ajaran Kristen dengan konsep Trinitasnya yang menyatakan Yesus itu anak Tuhan. Dia memang dilahirkan dari seorang ibu, Maryam. Tanpa ayah. Jadi jangan lantas disebut sebagai anak Tuhan. Itu kuasa Allah. Jika Allah katakan ï¾jadiï¾, maka jadilah,ï¾ imbuhnya lagi. Apakah Nabi Muhammad diutus karena misi Nabi Isa dianggap telah gagal? Demikian cocoran pertanyaan menohok media tersebut. ï¾Kami tidak beriman dengan itu, bahwa misi Nabi Isa gagal. Kami beriman, dia (Isa AS) adalah salah satu utusan Allah yang terbaik bagi umatnya. Contoh dan tunjuk ajarnya ditiru oleh jutaan pengikutnya kala itu. Jika kemudian, umatnya rusak, itu bukannya karena ajaran atau misi Isa AS itu rusak lantas dikatakan gagal. Lalu untuk menyelamatkan umatnya, menghapus dosa umatnya, Isa digambarkan (dalam Kristen) mengorbankan dirinya dengan disalib. Tidak begitu. Inilah yang saya katakana ajaran Kristen telah menyimpang dari aslinya,ï¾ terangnya. Cyber counsellor Salain menulis, kesibukan lainnya adalah sebagai seorang konselor. Melalui internet, ia aktif menjawab dan membantu konseling. ï¾Kegiatan lain saya adalah mengasuh bimbingan konseling online melalui e-mail hingga dijuluki sebagai cyber councellor. Tiap hari sedikitnya ada 50 e-mail yang saya terima. Kebanyakan berasal dari orang-orang minta nasehat, karena masalah budaya, perkawinan, dan bahkan masalah ketuhanan. Kebanyakan dari mereka adalah orang-orang yang dalam masa pencarian, mereka ingin tahu apa itu Islam. Bahkan ada juga dari orang yang bermaksud menyerang Islam. Kami saling bertukar pendapat. Banyak juga e-mail berisi pengaduan-pengaduan yang sifatnya sangat pribadi. Saya ini persis seperti ï¾ibu atau tanteï¾ bagi mereka dalam menyelesaikan persoalan-persoalan pribadi,ï¾ ungkap Ruqayyah senang. Begitupun dia mengaku sedikit sedih dengan kenyataan masih banyak kalangan Islam yang bertingkah laku kurang baik. Tidak Islami. Hingga merusak wajah Islam sendiri. ï¾Sebagai contoh di Barat, banyak anak-anak muda Arab dan Asia yang bergaul bebas dengan gadis-gadis kulit putih tanpa memperhatikan kaedah Islam. Sedihnya lagi, ada yang sampai mengandung tanpa ikatan agama. Seringnya si wanita kemudian masuk Islam. Memang baik, tapi saya kira ini bukan jalan menuju Islam yang benar,ï¾ keluhnya. Begitulah, Ruqayyah kini mengisi hari tuanya di sudut kota London dengan menulis, mengasuh para cucunya, disamping juga berbagi ilmu keislamannya dengan non muslim melalui dialog antar umat beragama. Dia menyisihkan waktunya berkunjung ke sekolah-sekolah dan gereja untuk menjelaskan Islam dan memberikan pengetahuan dasar-dasar Islam. Dia berjuang keras menyadarkan berbagai pihak dengan berbagai latar kehidupan yang berbeda agar dapat saling menghargai. [Zulkarnain Jalil/www.hidayatullah.com]
Sponsored by UNI's Center for Energy & Environmental Education and Green Iowa AmeriCorps, theÂ Practical Backyard Tour highlights several backyards around Cedar Falls where practical and effective methods have been utilized.Â From composting to solar and rain barrels to gardening, the tour features backyards that work!
Beginning at 2 p.m., participants are welcome to arrive at any of theÂ backyards listed below where tickets will be available (one ticket gainsÂ participant access to all five backyards). After 5 p.m., participants are encouraged to visit Beck's on The Hill afterwards for dinner, a prize drawing, and open discussion on practical uses for backyards.
Tickets ($5, does not include dinner) will be available the day of the event at each of the backyards. Proceeds from the event will support Green Iowa AmeriCorps work in the Cedar Valley. Please direct any questions to Green Iowa AmeriCorps. We hope to see you there!
The five backyards featured during the tour include:
1. Cedar Falls Community Garden, 600 Block Lincoln Street, Cedar Falls âTaking Back, Giving
Backâ this garden is flood-reclaimed land and features a sitting area, water collection
system, and composting [from Cup of Joe]. With 50 of the 80 available plots rented and four
organizations actively growing food to be donated to the Cedar Valley Food Bank and other
charities, this location is full of vast and diversified garden delightsÂ growing for a great cause.
2. Dave Gibson, 524 West Lone Tree Road, Cedar Falls âTwin Cedars, a GatedÂ Communityâ this
wonderful stop in North Cedar will feature fruit trees, vegetable garden, hens, passive solar
kitchen, solar electric system, and 140 recently planted trees.
3. Kamyar Enshayan, 1703 Washington Street, Cedar Falls âLawn & Orderâ featuring backyard
hens, easy-going compost, native prairie pollinator heaven, local woodÂ shed, solar hot water,
linear evaporative drying system (clothes lines), 20 years of pesticide-free lawn, vegetable
4. Jack & Carole Yates, 519 Chateau Ct, Cedar Falls âPerfectly Practicalâ both the front and back
yard features beds with native Iowa prairie plants, two vegetable gardens and an orchard with
apple, pear, Asian pear, cherry, peach and plum trees. Visitors can also see their two active solar
systems, a wood burning stove, clothes line and additions like a fire ring, patio and other places
that make it a great backyard to spend time in.
5. Ann Duncan, W 13th Street at the alley between Franklin and Tremont, âSmoke Stack Twin
Gardensâ Featuring gardening for large and small spaces, a wide variety of vegetables,
Help clean the University Branch of Dry Run Creek from HudsonÂ Rd. to College St. Join us in light duty litter pick up on the creek banks or for heavy duty, wet and dirty creek wading!Â Rain date is Tuesday, Sept. 20, at 4 p.m.
NE Corner of WRC Parking Lot (Hudson Rd & Creek Entrance)
This year marks the 25th anniversary of the World Wide Web becoming publicly available. For many of us, this is a reminder of just how much the Internet has transformed our daily lives. This rings true for nonprofits too: The Internet has revolutionized the way that nonprofits communicate, fundraise, and recruit volunteers. It has enabled nonprofits like yours to share their mission with a global audience. To raise awareness. And to change the world.Â
But the power of the Internet also comes with great responsibility -- namely the need to keep information safe and secure.Â As a nonprofit, it can be difficult to keep up with online security, especially when terminology seems complicated. Yes, you might have heard of terms like âphishingâ or âcookies,â but what do they mean?
Today, you can find the answers to your questions with our quick & easy to guide to online security terminology. In less than five minutes, youâll be well on the way to helping keep your nonprofit safe on the Internet.Â
Letâs get started! Hereâs a quick guide to familiarize yourself with common lingo and learn how to distinguish terms that are friends vs foes in the online security realm.Â
THE BAD GUYS: MALICIOUS ACTIONS/TERMS
Advanced Fee Fraud (419 scams): A technique which tricks users into sending or paying money to fraudsters on the promise of receiving greater rewards afterwards. It is most commonly associated with Nigeria, and 419 is the section of the Nigerian legal code that covers this fraud.
Botnet: A network of computers that are infected with malicious software without usersâ knowledge, used to send viruses and spam to other computers.
Malware: Malicious software with the purpose of infecting devices and systems, gathering personal information, gaining access to systems or disrupting the operations of the device or systems. Essentially, any software that maliciously alters or compromises the system or device.
Phishing / Social Engineering Attack: An attempt by hackers who pose as trustworthy individuals or businesses in order to get your personal information such as usernames, passwords, and financial information.
Trojans: Malicious programs posing as or bundled with legitimate ones, which are designed to compromise your system. They are usually installed on computers from opening attachments in scam emails or by visiting infected websites. The term comes from the Trojan Horse in Greek mythology.
THE GOOD GUYS: ONLINE SAFETY TERMS
[Internet] Cookie: A piece of data from a visited website and stored in the user's web browser in order to remember information that the user has entered or engaged with such as items in a shopping basket on an e-commerce site.
Encryption: The process of encoding data, messages, or information, such that only authorized parties can read it.
Firewall: A security system used to block hackers, viruses, and other malicious threats to your computer. It does this by acting as a barrier, acting on predetermined rules, which allows trusted traffic but blocks untrusted or non-secure traffic.Â
HTTPS (Hypertext Transfer Protocol): is the protocol for secure communications over a computer network used on the Internet. It essentially provides authentication of the website and the web servers associated with it.Â
Transport Layer Security (TLS): TLS is a protocol that encrypts and delivers mail securely, both for inbound and outbound mail traffic. It helps prevent eavesdropping between mail servers â keeping your messages private while they're moving between email providers.Â
Two Factor Authentication / Two Step Verification:A method of using an additional process to verify your identity online. It combines both âsomething you knowâ (like a password) and âsomething you haveâ (like your phone or security key) â similar to withdrawing money from an ATM/cash machine, where you need both your PIN and your bank card.
Thatâs a wrap for now! Pass on these tips to your nonprofit partners to stay safe and secure online, so you can focus on what matters most: changing the world.Â
To see if your nonprofit is eligible to participate, review the Google for Nonprofits eligibility guidelines. Google for Nonprofits offers organizations like yours access to Google tools like Gmail, Google Calendar, Google Drive, Google Ad Grants, YouTube for Nonprofits and more at no charge. These tools can help you reach new donors and volunteers, work more efficiently, and tell your nonprofitâs story. Learn more and enroll here.
Steven Anthony is an accomplished Senior Executive, Entrepreneur and Board Member, with more than fifteen years success across the banking, finance, and hospitality industries.Â Anthony is a graduate of Dillard University where he received his B.A. in Business Administration & Management and he also holds a Master’s degree from Georgetown University in Real Estate. He and...
With the downturn in the world's economy, it appears more and more people now have a bad credit rating than ever before. You would think borrowing money would be more difficult now, but it seems this is when you become inundated with offers of Unsecured Personal Loans For Poor Credit.
Are the companies and organizations that offer these deals, what they actually appear to be, or are they trying to hide some dark secret from you. In all honesty, if you have bad credit score, or defaults/judgements registered against or even a bankruptcy, you cannot expect to be offered the same terms and conditions as when you had a clean record. However, this does not mean that unscrupulous lenders should be able to take advantage of your situation by charging excessively high interest rates.
This is when it may be more appropriate to educate yourself in the way that lenders think, prior to approaching them for a loan. A program that i have recently reviewed is My Miracle Loans. My Miracle Loans is a program that teaches it's members a number of different strategies on how to approach a lender during these trying times. They promise that as long as you thoroughly research and understand the techniques they teach you, once you put them into practice, you are 100% guaranteed a loan.
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If you are struggling and not sure where to turn and you are looking for an Unsecured Personal Loan For Poor Credit, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
The Government has now come up with two plans to help people who have missed payments on their mortgage and are struggling. In this article i wish to introduce you to the one that is called a Loan Modification plan. To qualify, you need to meet the following criteria:-
- Your original mortgage loan cannot be greater than $729,000
- Your mortgage must have completed prior to January 1st 2009
- You will be required to provide proof of your income and expenditure, through payslips, tax returns and bank statements
- If your total debts are in excess of 55% of your income, you have to agree to visit credit counselling
- Finally, you must be living in the mortgaged property and will be required to write a letter in your own handwriting stating that you are in financial hardship
So what can your lender do for you in this situation?
- They can lower your monthly repayments to approximately a third of your monthly income.
- Interest has been known to be dropped to as low as 2%.
- You don't need to pay any fees for the modification as these are covered by the government
- The government are able to reduce your balance by up to $5000 over 5 years as long as you make your payments on time
- Your rate is reduced for the period of 5 years, so you may have to pay more after this period
- You are only ever allowed one modification
Loan Modification Companies have been reported to charge anywhere from $1500 - $5000 to help you with this process. If you don't have that kind of "spare" cash lying around, you will need to complete a "Do-It-Yourself" Loan Modification.
Replacing several high interest loans or credit cards with one consolidation loan can not only lower your monthly payments, but also save you money due to the lower interest rate on the new loan.
Look at the rates you are paying on your unsecured debts, i.e. credit cards with a rate of between about 13% and over 35%. These are obvious replacement loan candidates. Auto loans and store credit cards are other loans that should be paid off.
If you can get a second mortgage or refinance your current first mortgage, use these funds to pay off these unsecured loans. You should be able to currently save several thousand dollars in interest payments alone. I am assuming a total loan amount above the home debt to be about $20,000.
The other advantage to this plan is to reduce your monthly payments by a substantial amount. This also should allow you to gain a payment schedule that you can easily meet and even reduce quicker over time. Make sure you can pay off this new loan with extra payments with no penalty. It is a good place to put some of that extra money you have each month.
This idea also takes some solid research on your part. All banks and mortgage companies do not operate the same way. Also you want to find the best rate you can get for your debt structure.
Look to these sources for your consolidation loan: Local banks, local mortgage brokers, and the newest provider for these loans, the internet loan providers. There are many companies fighting each other to make these loans to folks like you. Take advantage of your popularity.
Sometimes, debt consolidation companies can discount the amount of the loan. The debt consolidator will buy the loan at a discount, usually when in danger of bankruptcy. The wise debtor can easily shop around for consolidators who will pass along some of the savings. Consolidation usually affects the ability of the debtor to discharge debts in bankruptcy. Itâs prudent to weigh this decision rationally.
Take your future in your own hands and make this happen for your financial health. Saving money and paying off your debts faster will open your life to a freedom you have not enjoyed for a long time. A family with minimum debts has eliminated a potential family problem and replaced it with freedom. Do your self a favour and become debt free.
If you suffering a financial crisis then being able to get emergency personal loans may solve all your problems. There are now many online lenders that can offer an instant payday cash advance, even to people who have bad credit.
The majority of payday loans that you will be offered will be up to a maximum of $500. However, dependant on your income, some companies may be willing to offer you up to $1500. The reason that these companies like to limit your borrowing is because this is a short term loan and will usually need to be repaid within 2 to 4 weeks. Remember this type of loan is for those who are cash-strapped till payday.
The internet has made the process of securing emergency payday loans a lot more convenient. This will afford you a lot more privacy and can also speed up the process. There is no need to book appointments and wait agonisingly for a decision. In most cases, you will be required to complete an online application and hold on for an immediate answer. You may be asked to produce payslips or bank statements as proof of earnings, but these can either be faxed or scanned and sent by e-mail to the company in question.
As mentioned, the online process and acceptance can be an immediate solution. You may find that if you apply on a weekday, that the funds could be transferred to your checking account on the same day as your initial application.
These lenders are taking a high risk as there are usually no credit checks completed, hence the reason that more substantial sized loans are not offered.
Perhaps you have tried to secure a payday advance before and been declined! If you have been struggling for any amount of time and are not sure what to do next, i suggest you check out Kim Roach's Instant Payday Loan Formula.
Have you been searching for somewhere to finance your car with bad credit? In this day and age everyone either needs, wants or has a car. Gone are the days when a car was considered a luxury item. A car is definitely a necessity for most. However, due to your poor credit history, no lender is willing to help. You have even approached your own bank and they have shut the door firmly in your face.
This is when your search to finance your car begins. Although there is a vast array of lenders available, you need to be very careful. I'm sure you have heard many horror stories of people borrowing money and then being held to ransom by the lender. Once they have gone through the reams of small print, they discover that they will need to pay back up to 10 times the amount they borrowed. This, unfortunately, leads to further debt., which in turn can worsen your credit rating and eventually lead to bankruptcy!
Fortunately, this is where certain companies and organizations have evolved to help you. They are intermediary organizations, who will do all the leg work for you. They understand having bad credit can be a difficult time and will provide you with everything you have been looking for. They can show you how to finance your car, even with bad credit. Usually these companies have a huge list of lenders on their books, who are willing to help people in your situation. They can also provide online support and even have access to many unknown government resources. You will usually have to pay a very small one-time fee to get access to this information and remember i said very small!
You can still Finance your Car With Bad Credit, but you will just need to be wary. This is why i believe these intermediary companies are actually a blessing in disguise. The majority of lenders on their books can give you that auto loan online, at a price you can afford. In most cases your auto loan can be agreed and set up within a matter of days.
If you urgently need to Finance Your Car With Bad Credit, then it is time you visited one of these intermediary companies.Click Here to find out exactly what others in your situation are doing and secure that car loan today.
There are countless home loans and mortgages available to people with bad credit who are unable to put any money down as deposit. As someone who is new to the home buying process, you may be totally unaware of what help is available to you.
The sub-prime mortgage market is open to homebuyers with a poor credit history, those who have been made bankrupt or have even faced foreclosure. These types of lenders specialize in securing home loans for those who are struggling. Another fascinating fact is that many sub-prime lenders may be able to offer more favourable terms and interest rates than a conventional mortgage lender.
Two of the types of products that these lenders can offer are 100% financing and also 103% finance. The 100% finance mortgage is intended for those who have no money to put down and need to get their foot on the home buying ladder. This is also a great way for you to demonstrate that you have the ability to pay your monthly repayments in full and on time. This, of course will help to rebuild your poor credit rating. In most cases to secure a 100% loan you will be required to have a credit rating of least 580.
The 103% financing is aimed at people who not only have no money to put down, but require assistance in paying the associated costs and fees with your mortgage. In order to secure the 103% service, you will be required to have a minimum credit score of 600.
Even though having Bad Credit and no money to put down may seem like the end of your dream of securing a mortgage, it need not be.
Take this opportunity to see what others who have bad credit, can put no money down, but need a mortgage, have done.
Perhaps you need to improve your credit score first. In that case please grab a copy of your Free Report on the 6 Deadly Credit Repair Myths.
It's a familiar story, you find you have bad credit and you desperately need a loan today. You have tried the more conventional methods, but no lender is willing to give you a chance. This only makes matters worse. You are struggling to meet the monthly repayments on your bills and you have absolutely nowhere to turn. This is when you really need help and advice.
My Miracle Loans is a program that has been designed to help people in your very situation. So who can My Miracle Loans help to Find A Bad Credit Loan:-
- Those of you who have no job or cannot prove your income - let's face facts, if you had money, you wouldn't need urgent help. This is why they will help you secure a loan without having to provide numerous payslips and bank statements.
- People who have a poor credit history or a low credit score - there will be no credit checks, so this will have no effect on your ability to borrow.
- Those who have been made Bankrupt - This program has been created to help shed some light. You will discover methods to secure finance even when bankrupt that have been hidden from you for many years by lenders.
- You have no assets or collateral - This system is not about what you have to offer a lender in return for a loan. You will not be required to prove anything.
Even if you have been turned down before My Miracle Loans can help you find a bad credit loan today.
If you are struggling and not sure where to turn and you are looking to Find A Bad Credit Loan, then please read my full review on My Miracle Loans and discover how to ease your financial troubles today.
Are you someone who feels completely helpless because you have a poor credit rating and can't seem to get a loan? Being able to secure a loan would actually solve your credit problems and see you on the road to recovery. However, because of a poor credit history or poor credit rating, no lender in their right mind would ever consider you for a loan!
I'm sure that is a very familiar story for many of you. I know myself it is one of the worst feelings that you can ever have. I recall the days of having a fairly decent job and being offered credit left, right and centre. I'm not sure why, but I pretty much accepted all the offers of credit cards or loans. I think it was something to do with the âkid let loose in a sweet shopâ scenario. The repercussions never really occurred to me at the time, so I continued to take out credit card after credit card and loan after loan.
If you can't wait any longer to secure a loan then Click Here to register for the "My Miracle Loans" program right now. For those of you who wish to read my story and review, you can access the program at the end of this article.
I think the effects of what I was doing finally hit me a few years down the line. I started to use less and less credit every month and tried to act a lot more responsibly. However, I had got to the stage where my minimum repayments for all my credit was pretty much the same amount as what I earned in a month. I once read a magazine article that stated â in order to repay $10,000 on a credit card, by just making the minimum payment, this would take up to 12 years. Wow! Unfortunately it wasn't just the one credit card I had to repay!
That's when it dawned on me that I had to do something...and quickly. After some careful investigation, I decided a debt consolidation loan and a couple of 0% APR credit cards was the way to go. I had racked up a total of $26,000 in debt. I looked at my current credit card limits and assumed I wouldn't get offered more than a $5000 dollar limit on a new credit card. So my plan was to apply for two 0% APR credit cards and a $16,000 loan. This would allow me to cut up all my credit cards and have all my debts cleared within 5 years. Or so I thought, I didn't count on getting declined for every bit of credit I applied for. My credit score was shot and at an all time low!
That's when I started searching for different methods and other forms of help. Nothing illegal, of course. I just thought to myself, I can't be the first person to find themselves in this situation and I definitely won't be the last! I actually found a total of 8 different companies, courses or websites, that said they could help and even provided me with testimonials of previous satisfied customers. Today I want to talk to you about My Miracle Loans.
My Miracle Loans is a program that will teach you a number of different strategies to obtain a loan. They advise you to read through their techniques and apply what you have learned. My Miracle Loans guarantee a 100% success rate, as long as you carry out their systems and procedures to the letter! They have helped people, like you and me, those with poor credit ratings, bad credit and even bankruptcies to secure credit and finance. My Miracle Loans are responsible for helping their members acquire over $10,000,000 in loans during 2008. They also claim to be able to help anyone secure a loan of $1,000 - $1,000,000 within 7 days! (Although it's very tempting, I think I will always steer clear of the possibility of securing a loan for $1,000,000!)
So what type of people can My Miracle Loans help:-
No job or proof of income â Obviously if you have a lot of money, you wouldn't need their help! You will never be asked for proof of income or to provide evidence of your income.
Bad Credit, No Credit or Slow Credit â There are absolutely no credit checks for some of the methods you will learn. So a poor credit history will not effect the outcome.
A FICO score of 450 â That's Bad! As mentioned above, many of methods you will learn do not require a credit check. So you're covered.
Bankruptcies in the last 7 years â My Miracle Loans dispel the myth that if you have been made bankrupt, you will not be able to borrow any money for up to 7 years. They can show you the exact methods to secure a loan or credit.
No Collateral or Assets â Their system has nothing to do with what worldly possessions you own. You will not be required to provide proof of what you do or do not own.
Been turned down before - Not a problem. These methods will still work for you.
I think that comprehensive list just about covers everyone. My Miracle Loans had quite clearly stated that not all the methods and techniques will work for everyone. Not all individuals are the same. This is why they have provided you with numerous different methods to try. If you do not get accepted for one, you move on and try the next one. They have an iron-clad guarantee that EVERYONE will find success with their program.
So for what purpose can you use the loans that My Miracle Loans will help secure for you?
Business loans â Whether you are purchasing a business, looking to expand or you need supplies. They will help you get whatever you want.
Cash Advance â Do you need a pay-day advance for your job? No problem you can secure that cash advance within 10 minutes!
Car Loans â You can get that luxury car of your dreams and you don't need the salary to match.
Student Loans â This is where my problems originally started. There are many students out there, who are yet to even start college, that may be affected by poor credit.
Debt Consolidation â If you need that peace of mind. Turn all your debts into one loan and make the monthly repayments easier to handle and keep track of.
Home Loans â You have no fear of being turned down, no matter how much you want to borrow. My Miracle Loans guarantee to help you find that dream home.
Personal Loans â A personal loan is usually determined and granted by you having a great credit score. My Miracle Loans will help those of you, who are not in a position to boast about your credit score!
So let me run through the main benefits that My Miracle Loans offer:-
100% success rate â As long as you carry out their instructions correctly, you will never be turned down again for a loan.
Take up to 30 years to repay the money â In many cases, lenders may penalize you for not paying back money as soon as you can. This is not the case with My Miracle Loans.
Receive your cash in 7 days guaranteed â This doesn't have to be a long drawn out process. My Miracle Loans will guarantee that you will receive your money in 7 days or less in the majority of cases.
Use your money for any purpose â as described earlier.
No upfront fees â Paying a company to lend you money does not seem ethical...does it?
Ease of use â this is not a complicated guide on how to write loan proposals or where to find investors and this is definitely not an outdated list of lenders willing to help people with poor credit secure a loan. This is a program that allows you access to many little known and closely guarded techniques.
So what's the catch? There is no catch! My Miracle Loans program will work for you no matter who you are and what your situation may be.
There is little more I can add about this great program. If you find yourself in the situation of having a poor credit rating and you desperately need a loan, you need look no further.
You have absolutely nothing to lose and everything to gain by registering with this fantastic program.
Click here to get started and acquire that loan that will ease all your money problems today.
Or Read On And Collect Your Free Report At The End Of This Article
Have you ever asked yourself, "How Do I Raise My Credit Score?" Over the years you may have racked up numerous debts. These may include, loans, credit cards and mortgages. As your debts increase through constant interest charges, things seem to get a little harder month after month. Perhaps, you have been unfortunate enough to miss some payments. This, regrettably, has the knock-on effect of additional late-payment charges and will eventually ruin your credit score.
The problem is, once you hit the rocky road of having a bad or low credit score, creditors or lenders will look at you with disdain. Gone are the days of being instantly approved for any form of credit. You are now looked upon as a high risk and no-one seems willing to help you.
This is pretty much what happened to me. I had a fairly decent job and that had helped me to secure various forms of credit. It was never a worry to me then, as i always had enough money coming in to cover at least the minimum payments, if not more. However, eventually mounting interest charges or the end of a 0% credit card deal, started to have an adverse effect on me being able to continue making full and regular payments. I had even got to the stage of using one credit card to make a payment on another credit card. So even though i was making some form of monthly payment, i was increasing my debt at the same time. Not Good! This, ultimately ruined my credit score and brought it to an all time low.
I then started searching for professional credit repair agencies. I soon discovered that many of these agencies make substantial claims to improve and raise your credit score. However, the majority charge a King's ransom for the privilege and they don't seem to deliver on their promises.
This is when i came across Chris Brisson's "37 days to clean credit" course. Chris had been in the same boat as many of us before him. As a college student he had built up a total of $14,000 in student loans and credit card debt. He had a small amount of income coming in and started to miss payments. Chris had managed to get his credit score down to a horrid 520! Once again, like so many of his predecessors, Chris scoured every possible resource to improve his credit score. He eventually admitted he got scammed by these so called "professional" credit reference agencies. This is when Chris decided to do something himself about it.
Chris had made a few discoveries along the way. He then went about legally "stealing" some of top secret methods that credit reference agencies use to remove negative items, inquiries, judgements and bankruptcies. After 37 days, Chris had managed to delete 9 inquiries, 5 late-pays, 4 default accounts and 1 judgement. In the process, Chris boosted his score by 135 points to a respectable 655.
So what exactly does Chris reveal in his Course:-
- How to easily delete 30, 60, 90, 120 or 150 day late-pays from your file
- How to easily set up a budgeting system to track income, expenses and all your payments
- A little known secret technique to getting your credit card APR interest dropped to 0%
- How to stop the harassing collections telephone calls
- How to repair bad credit in less than 30 days
- How to boost your credit score by 50 points even if you have the worst credit in the world.
- How to stop foreclosure and then negotiate with your bank to lower your monthly payment by 10% - 20%
These are just a few of the methods that Chris will go through. There are just far too many helpful little techniques to mention here.
One of my favourite systems i learned from Chris, was how to reduce the interest rate of my current credit card. It was as simple as making a phone call. Mention that you have in front of you a competitors details and that they are offering a 0% deal for six months, which will then turn into a 8% rate. Chris advises to always be polite and state that you will be looking to balance transfer unless they can lower your interest rate. In most cases, the operator will speak to a supervisor, who has the ability to drop your interest rate. To threaten to leave (in a nice way) is the key! So simple, but effective.
Another invaluable source contained within this course, is the copy and paste letters. Chris has structured a number of letters to be sent to creditors depending on what form of credit repair you are looking to achieve. The letters are organized in such a way, that you simply need to insert your own personal details in the blank spaces.
In addition to the course, Chris offers an unbelievable 5 free bonuses. They would usually retail at a value of $757, but are yours for free, once you sign up to Chris's course. I absolutely loved world renowned credit card expert, Scott Bilker's Interest Annihilation Method. This is one of your free bonuses. Scott unveils how to get approved for 0% APR credit cards. Scott also discusses the secret language indicators to use when you speak to your creditors. (yes, it's all down to the actual words you use!) and his 3 step debt elimination strategy system.
So if you have finally had enough of the way that lenders treat you, it's time to do something about it! Chris Brisson has come up with a guaranteed program to help you get the credit rating you have always wanted. So let me just quickly run through what you will get, once you have signed up to Chris Course:-
- The complete "37 days To clean Credit Course"
- The Interest Annihilation Method Audio with Scott Bilker
- The Credit Millionaire System with Donna Fox
- Credit Repair Mystery with Brett Bruce
- 45 "Copy & Paste" proven Credit Repair letters
- Super Budgeting Video Walk through
Don't forget to grab your Free Report on the 6 Deadly Credit Repair Myths as well.
Click Hereto get started on raising your Credit Score today.
Is there such a thing as "Guaranteed Loans For Bad Credit"?
Have you ever found yourself in that situation? - Where your debts are continually mounting up, all of your creditors are phoning you every other day and you're unable to find a real solution to your problems!
That's when you find something financially challenging and unexpected comes along and gives you yet another huge problem and forces you into frantically looking for some immediate funds. However, you can't afford to pay for what you have now, you're in trouble with your creditors and no credible lender is going to look at you.
That's when you start to become inundated with calls and adverts for people who offer Guaranteed Loans For People with Bad Credit. The problem being they are going to charge you the most extortionate of interest rates and monthly repayments.
So where do you get that fast injection of cash?
There have been organizations created to actually make this search far easier for you. They usually provide you with a membership and then issue you with a substantial amount of information via a huge database of lenders willing to help and give you that all important loan.
Usually you will have to pay a small one-time fee..and i mean small, but this will not only give you access to this huge database of lenders, you should also be provided with online or telephone support and also many unknown government resources to help you obtain a loan.
Most of the lenders on the database will offer guaranteed loans for bad credit or even a bankruptcy. The lenders are willing to lend money for almost all purposes whether it be Auto Loan Financing, Personal Loans, Mortgages or Credit Cards.
If you absolutely have to get that loan today and you're still unsure how to get Guaranteed Loans For Bad Credit, then Click Here immediately to learn what other people are doing to get approved.
Christmas is a wonderful time of year. It really brings out the best in people. Spending time with family and friends, great food and, of course, great drinks! I hope everyone enjoyed it and is looking forward to New Yearâs celebrations!
Once again, I havenât posted in several weeks. Things have been extremely busy since getting back from Afghanistan. As of yesterday, I am no longer on active duty with the Air Force. I am now a reservist with the 914th at Niagara Falls! That also means that today is my first day working âfull timeâ with New Buffalo Brewing.
We have done a lot in the last month, but we havenât talked about it much. We set up a small lab in Clarence, and are currently dialing in on what we think will be our first four beers. We are also working on a Kickstarter Campaign, which is a huge project. The support we receive from donors will make the difference between opening this spring and pushing off for several more months.
I want to talk about the lab in todayâs post. Itâs small, with a Brew Magic as our system, six half-barrel fermenters, and room for only one and a half barrels of finished beer. We are producing all the beer we need to have ready between now and April on this nano- of nano systems! You can imagine space will become an issue.
The plan is as follows: We are going to brew six beers between January 25th and March 10th. We arenât publicizing the names yet, but we will have a brown ale, bitters, APA, and IPA. Our last two are still wild cards. We have two dry stout variants, a sweet stout and a porter. As much as I like the sweet stout, I think itâs on the chopping block. Many people we have talked to have varying degrees of lactose intolerance, and we want to make sure we are making something everyone can enjoy.
So where is this beer going? We have a couple of big things in the pipe. First, we want to be able to enter all our beers into the Amber Waves of Grain on March 10th. Second, we need to have samples for the distributors and the bank to try. But Iâm sure most people are interested in our the tastingsâ¦
We are planning four events to go with our Kickstarter campaign, three in Buffalo and one in Rochester. Weâll be sure to give everyone a big heads up once we have the locations nailed down. So far we have one place approved and three in the works.
So watch for an active blog again, and I will be updating the main site often over the next month or so as we get ready to announce our âofficialâ beers. Thanks for reading!
I havenât posted in a long time on this. It was my original intention to try and get a weekly post up. Clearly that did work out. Since the last post I was deployed to Afghanistan and have been here nearly two months already with another six to go. My job over her is a strange one; I work alone traveling around the country. It must be similar to being traveling salesmen from the 50s. Save the cool car and sweet suits. In any case things have been very busy.
A quick rundown is as follows; Hired Brewer Jimmy Base. Jimmy has since produced an English Mild with chocolate malt and an English Bitters. These have been dropped off to Mrs. Louise Galuski for distro to a bunch of people who have helped New Buffalo from the start. We have a survey attached with it so we can get an idea of what people think.After I post this I need to write some sort of intro letter for that. Sadly Iâm unable to sample any of the beer since Iâm over here.
Weâre still looking at buildings. The old brewery packaging building on Fillmore has peaked my interest and I hope to take a look at it. Itâs not in the area I would have liked to set up at all, but its tasting room could be cleaned up and a fairly interesting day trip for people.
Our other project is we need to start looking at Kickstarter allot closer. I donât personally know anyone who works in internet videoâs so Iâve sort of hit a stopping point on that.Weâre looking to do some work with Custom Brewcrafters and Iâd like to bank roll it via kickstarter and have a series of âreleaseâ parties leading up to our equipment being put in.
I doubt Iâm ever going to have much time over here for the extra stuff which is too bad but it is what it is. Thank you all for following our build up.
In Buffalo NY itâs hard to not be drawn to a church for a brewery right away. Itâs like a brewing palace. Beautiful surroundings, ceiling heights that are unmatched, since it was for people to gather the utilities are surprisingly low (several feet of brick and mortar are even better than 6 inch of fiberglass, the temp stability is amazing) and Buffalo has a bunch of extra churches right now that could use a, well use.
So whatâs the problem? They came in a couple of flavors (Sadly the flavors are like skunked Bud Light, and not a Buffalo micro-brew).
1) If the church is owned by the Papacy it cannot be used for a brewery, period dot. That takes out many of the primary candidates
2) Most of the churches need some repairs, the first church we looked at required over 500k in stabilization and another 400-500k in conversation costs. The second needs 300k, but the conversion costs were down to about 100k. That is almost the entire budget for New Buffalo. In this same category, if thereâs not a door I can get the tank thought I donât want to bust down walls to get them installed, thatâs not hard and fast just a bit of the preservationist that lingers.
3) A brewery falls under a M1 Zoning, churches are a C1, the first city councilmen I tried to work with refused to talk to me about it for severalweeks before giving me a âI wonât actively try to stop you, but Iâm not going to help you in anywayâ kind of answer.The Councilmen Franczyk, whoâs district I wasnât working in was excited about the idea. In any case not being zoned correctly is another huge risk for use to undertake, a 6 month wait would bankrupt us in our first year
4) There is no equity in churches so the bank will not lend us money to fix a church for the most part. On top off that even as we pay down the merger costs of the church we canât barrow against it later own to expand like a normal building.
5) Preservation, on one hand it has some money we can tap into in, almost 50% of the stabilization or big repair costs could be deferred by public funds, however you have to keep the building the way the rules call for which in the case of the first building, we would have had the largest tasting room in the world (not proven but I donât know of any breweries with 12,000sqft of tasting space, and two levels with a stage in the middle)
6) Transportation, I need to be able to bring in semiâs, right now were planning on a grain bin for the pale malt, and I have to be able to get that into the building, also just in the first year weâll be moving a couple truckloads of beer a week. I have to be in a place they can get too.
To sum it up, were still looking for a church that could hold us but itâs not our focus anymore. Unless we received a grant for $1million it looks like itâs going to be a goal to expand too. I know the city has money like that, and that $5million went to the Staler. The city isnât going to trust a young guy like me, my background is Intelligence and factory work, not history building refurbishing.
This was a very long post, but I wanted to hit on it since several people have asked me about it. Chris Fetter has been a tremendous help, sending us updates when a non-Catholic church comes on the market. We hope this will work out, but we canât wait forever.
This post is in response an exchange with http://www.communitybeerworks.com/, on our facebook page http://www.facebook.com/pages/The-New-Buffalo-Brewing-Co/215182275168604
Hello everyone. Today is Chinese New Year Eve in Singapore. Since I do not celebrate this holiday, I have some time off to do this third installment of my Althea purchase. I my first and second post can be found here and here. Before I start on my review, I would like to wish all my Chinese readers, Gong Xi Fa Cai!
I fixed my eyebrows recently at Benefit Brow Bar and the person who did my brow fill in the unevenness in my brows. I have a fairly thick and darks brows, however they are not even. So some parts of it are a little bare/bald. I have tried using eyebrow pencil and find it looking rather unnatural. Maybe because I rarely makeup and hence not really good at it. Then I tried using the colored eye brow gel from The Faceshop (review here). It is difficult to use and the color doesn't blend in with my brows.
So I was looking through Althea and wondering if they have those powder for brows (you know like the ones people use for eye shadows). Then I saw Skin Food Choco Eyebrow Powder Cake selling for only SGD$5. It was so cheap that I didn't think twice before putting it into my cart! So below is a photo on how the product actually look like. It didn't come in any dancing looking box. But it doesn't really matter to me as long as the product it not damage.
First look of Skin Food Choco Eyebrow Powder Cake
So you have choice of Grey Khaki Black or Grey Brown. I choose Grey Brown because I simply cannot imagine having khaki colored brows (I fit with warm colors better). The photos of the colors can be found below. I think you can tell which is the brown and which is the grey one. According to the website, the product contains real chocolate inside. I can't really verify it by taste (yucks) but the powder does really smell like chocolate, which is kinda of cute.
From left to right: Brown powder and grey powder
Below is a photo of the brush that came with the palette. I slightly swabbed the brush on the gray palette. As you can see the powder cake is not as pigmented as those eye shadow palettes. This lightness of the pigments can also be seen the following photo where I brushed some of the brow powder cake on hand. The top one is the brown powder cake and the bottom one is the grey powder cake.
The brush which comes with palette
From top to bottom: Brown powder cake and grey powder cake
I mixed both colors when I apply on my brown. I put the brown powder first and then layer it with grey powder. Don't underestimate the light pigment of the powder cake, a little powder goes a long way for your brows. Below you can see the before and after photo of my brows (I did not kid you when I said that my brows have some baldy areas)
Before applying Skin Food Choco Eyebrow Powder Cake
After applying Skin Food Choco Eyebrow Powder Cake
So what do I think about Skin Food Choco Eyebrow Powder Cake? Haha from the photo above, I think it works! The best of all it is extremely easy to use. The price is also a plus point. I think loose pigments of the powder also makes the eyebrows more natural looking after application.
I give this product 5/5.
Feel free to leave a comment if you have any question!
This is my second post on my purchase from Althea. Other than the Missha Red Ginseng Sheet Mask, I also bought Laneige Water Bank Eye Gel. Eye bags and dark eye circles runs in the family. So whenever I do not have enough sleep, my eye bags and dark circles become more apparent. I have always wanted to buy a good eye cream while I was schooling but couldn't really afford because you know how expensive eye cream can be. So once I got my first paid I decide to get one. My first ever eye cream is Laneige Water Bank Eye Gel which is from Laneige Water Bank series.
Contents in Laneige Water Bank Eye Gel Box
The box comes with an instruction sheet, a glass bottle of eye gel and a spatula for ease of application. The description on the box states the Water Bank Eye Gel is 'A moisturizing eye gel that gently soothes the dry and sensitive eye area and relieves eye zone stress'. The box also states that the gel expires after 12 months after opening.
Removing the seal from the bottle
The gel/cream is slightly translucent and light. It is also really light and not sticky. When applied, it gives a slightly cooling sensation on your eye area. I am really impressed by how detailed the instruction booklet is. I always try to follow the instruction unless I am really tired.
So what is my verdict? I think the gel really helps to make my eyes feel less tired after spending a whole in front of the computer at work. I could really feel the effects when I first apply it. My eyes felt less heavy the next day. However, I feel it doesn't really help to lighten my dark eye circles and it only help to my eyes become less puffy by slightly. Perhaps because my eyes isn't very puffy initially. I tried using the cream on my mother who had really puffy eyes and it showed some visible effects! I can give inputs on its moisturizing function because my eyes' area are never dry in the first place.
Look what arrived at my doorstep today! My althea orders!
I needed a new face wash and an eye cream. I choose laneige as the brand of choice since it is the most reliable brand for my skin. So I bought Laneige Multi-cleanser and Laneige Water Bank Eye Gel. Bought it on 11 November because of the additional 11% off because of the singles day :). The item arrived on the 18 November, so it took approximately 7 days to arrive. The order includes a tracking number but the tracking stops once it reaches the distribution centre in singapore (singpost).
Anyway my items were nicely bubble wrap. Here is a picture of the parcel when it arrive. Althea was also generous enough to include samples in the parcel. One of it is a facial mask from Missha and another is skin repair essence.
Nicely bubble wrapped althea box
The items were individually wrapped too
I really like althea's packaging. You can look forward to my reviews of these products soon. Stay tuned!
A month ago in December, T-Mobile announced its Data Stash program, wherein subscribers can carry over unused data from one month to the next one. It has only been a few days since this program has taken effect, and now AT&T is launching Rollover Data, its answer to T-Mobile's program.
Like T-Mobile's offer, AT&T's Rollover Data lets subscribers save their leftover data after each billing cycle. The plan will be launched on January 25th, and will be open to all subscribers under AT&T's Mobile Share Value plans.
However, it should be noted that AT&T will not allow its subscribers to keep banking the same data month after month. This means that customers will have to use up the data they saved in the next billing cycle, or lose the data.
For instance, if a customer has four lines under a 15 gigabyte AT&T Mobile Share Value plan, and only uses up 10 gigabytes for the month of January, he will be able to roll over the 5 unused gigabytes for the next month. In other words, he will have a total data allotment of 20 gigabytes in February (15 gigabytes + 5 unused gigabytes).Â
If the customer does not use up all the 20 gigabytes allotted in February, he will not be able to bank the accumulated two months worth of unused gigabytes onto March. Instead, the first rule applies: he can only roll over unused data from the previous month, which in this case is whatever amount of data he has not used from the current month's 15 gigabyte allotment. The bottom line is that the customer has to use up the data he saved for the next month, or the whole thing resets.Â
AT&T is obviously designing its Rollover Data plan to give users extra data to be used for the next month only, and not to be accumulated and used at, say, the end of the year. Herein lies the difference with T-Mobile's plan -- it lets customers accrue unused data for a full year.Â
That is not to say T-Mobile's plan has no caveats of its own. For one, it is only open to individual line subscribers of any postpaid data plan with 3 gigabytes of data allotment or more. As for AT&T's Rollover Data plan, it is available to subscribers of any level of shared plan, even one that only offers 300 megabytes of data allotment.
Indeed, both carriers have different ways of offering data rollover options. Consumers will have to decide for themselves which setup works best for them. Do they go for the plan that lets them save unused data for an extended period of time? Or do they opt for a plan that lets them roll over unused data on a per billing cycle basis only?Â
Technology and its threat It's true that technology makes everyone dance on its tone. Now we have computers with the help of which we can get information about everything. It has also changed the way of communication. Earlier we use to talk via letters and phones. But, now we have a webcam through which we can do video calling or conferencing. It's true that machines have been created by men, but they make fewer mistakes as compared to men. You just need to program the computer properly and it will work accurately. With the help of computer everything is done perfectly in less time. Now days itâs not surprising if students carry their laptop and mobile to school. Technology has truly made our lives easier.
But a computer also faces health issues, which can be treated by an Antivirus Software program. Following are top 8 threats and no one should ever ignore them
Viruses: - The name itself describes it. It can disrupt a computer and can damage the available data. Viruses can be received via numerous options that also include e-mail attachments. So, always beware when you get an e-mail from an unidentified server or person.
Spyware: - A Spyware is used to spy on computers. It can steal your personal information and send it to others who can misuse it. Today everyone is concerned about being the victim of identity theft. Spyware are generally attached to a freeware downloaded from the web. So be cautious when downloading and installing a software tool.
Spam: - Spam mails are promotional in nature and usually promote products of sexual or dubious nature. Some websites are harvested by spammers, from where they steal your e-mail ids. Adware: - Adware are responsible for producing advertisements on a system without userâs consent, which you often see on your computer screen. It can be in the form of pop-ups, pop-under, and other sources. People generally do get irritated by these adware but at many times are not aware of its causes.
Dialers: - Dialers are the programs, which are designed to redirect phone calls to expensive numbers without even informing you. Youâll get to know about it, when you will receive the bill. Hackers: - A computer always consists of so much personal data, including your bank and credit card details. Hackers always try to steal this data and recover your passwords in order to do malicious activities and even may burgle you.
Hijackers: - The hijackers take remote control of your computer screen and can reset your homepage and search pages. They do it in order to do thievery on your behalf so that they can be away from the agencies and youâll be in danger.
Phishing: - Phishing has become the most threat full of all malicious activities over the internet. It is because Phishing websites look similar to the real websites, and are designed to make fools out of the customer and are generally scams to harvest usernames and passwords of prominent websites.
In order to be away from these 8 threats, download Security Software Optimo Defender, which also scans for threats and performs virus removal programs on a computer by offering various features like Antivirus,
Anti-Trojan, Anti-Spyware, and System Security Suite. There are a lot of Antivirus programs available on the internet, but like everything else they also vary in quality. You tend to get what you pay for. Anna Asthesia is chief technical head in optimodefender.com & working from last 5 years. She likes to write article on antivirus software program, security software & how to find genuine online tech support for Laptops, Computers & Smartphones.
About the Author Anna Asthesia is chief technial head in optimopro.com & working from last 5 years. She likes to write article on windows registry , computer problems & how to find genuine online tech support for Laptops, Computers & Smartphones.You can read her latest blogs onblog.optimopro.com
Marianne Lakeâs recent appointment as the CFO of JPMorgan Chase marks another victory for women within the business world, specifically in banking. JPMorgan Chaseâs CEO, Jamie Dimon, commented on the appointment that Lake was the best person for the job … Continue reading →
BOONE, Daniel, pioneer, born in Berks County, Pennsylvania, 22 October, 1734 (For more on Daniel Boone's birthplace please visit his Homestead); died in Missouri, 26 Sept., 1820. Among the immigrants that landed, 10 Oct., 1717, at Philadelphia was George Boone, of Exeter, England, who came with his wife and eleven children, bought land near Bristol, Bucks County, Pennsylvania, and joined the society of Friends. His son, Squire Boone, married Sarah Morgan, and Daniel was their son. Squire Boone, who was a farmer, moved, about 1748, to Holman's Ford, on the Yadkin, in North Carolina.
Daniel's education was very limited; he could read and write, but beyond that all he knew related to the fields, the woods, the net, the rifle, and hunting. He was a hunter born, and loved the solitude of the forest. Strong, brave, lithe, inured to hardship and privation, he traced his steps through the pathless forest, sought out the hiding places of panther, bear, and wolf, and was the match of any Indian in the sagacity with which he detected the footsteps of the red man. About 1755 he married Rebecca Bryan and set up his own log cabin, but, displeased with the encroachments of civilization on his solitude, and incited by the glowing accounts brought by John Finley, who had penetrated into the unknown regions of Kentucky, formed a company of six kindred spirits, and, bidding adieu to his family and the comforts of home, on 1 May, 1769, set out on his perilous journey of exploration.
First United American Republic:United Colonies of North America: 13 British Colonies United in Congress was founded by 12 colonies on September 5th, 1774 (Georgia joined in 1775) and governed through a British Colonial Continental Congress.Peyton Randolph and George Washington served, respectively, as the Republic's first President and Commander-in-Chief;
Second United American Republic:The United States of America: 13 Independent States United in Congress was founded by 12 states on July 2nd, 1776 (New York abstained until July 8th), and governed through the United StatesContinental Congress. John Hancock and George Washington served, respectively, as the Republic's first President and Commander-in-Chief;
Fourth United American Republic:The United States of America: We the People was formed by 11 states on March 4th, 1789 (North Carolina and Rhode Island joined in November 1789 and May 1790, respectively), with the enactment of the U.S. Constitution of 1787. The fourth and current United States Republic governs through the U.S. House of Representatives and Senate in Congress Assembled, the U.S. President and Commander-in-Chief, and the U.S. Supreme Court. George Washingtonserved as the Republic's first President and Commander-in-Chief.
After numerous adventures with the Indians, having become intimately acquainted with the character of the country, established an enviable reputation for sagacity and integrity on important frontier service assigned to him by Lord Dunmore in the campaign against the Indians, usually called "Lord Dunmore's War," and constructed a strong fort on the left bank of Kentucky river, which he named "Boonesborough," he determined to bring his wife and family to the new home. Some of his neighbors joined him, and he conducted the party, numbering upward of thirty, safely to "Boonesborough" without having encountered any other difficulties than such as are common to this passage.
Daniel Boone founded Boonesborough while he worked for Richard Henderson of the Transylvania Company.
On one occasion Boone, with an armed party of thirty men, had gone for a supply of salt to a place called "Salt Licks," nearly 100 miles north of Boonesborough, and was captured, with twenty-seven of his men, by a band of more than 100 Indian warriors led by two Frenchmen.
They carried them first to Old Chillicothe, on the Miami, and then to Detroit, where they surrendered for a ransom all their prisoners except Boone; him they took back to Old Chillicothe, where the great Blackfish, a renowned Shawanese chief, adopted him into his family under an imposing but painful ceremonial; all his hair, except a tuft three or four inches in diameter on the crown of the head, was plucked out; that tuft was allowed to grow to the length of the "warlock," dressed with feathers and ribbons; an ablution in the river was supposed to cleanse him from the taint of white blood; a coat of paint on his face, and a solemn charge from Blackfish, completed the rite.
After a prolonged and anxious residence among them, during which he was kindly treated, he discovered their intention of marching upon Boonesborough, and resolved, at the peril of certain death in the event of recapture, to attempt his escape and save his family and friends. Chased by 450 Indians, he performed that daring feat in the forty-third year of his age, and thus simply records it: "On the 16th [of June], before sunrise, I departed in the most secret manner, and arrived at Boonesborough on the 20th, after a journey of 160 miles, during which I had but one meal." At the fort he learned that his wife and children, despairing of ever seeing him again, had returned, and safely reached her father's home in North Carolina. The Indians assailed the fort, but were repelled with loss, and retreated. Boone then, in the autumn of 1778, rejoined his family on the Yadkin, and returned with them to Kentucky in 1780.
The country, though well settled, was still unsafe, and, soon after his return, Boone and his brother, Squire, were surprised by Indians; Squire was killed and scalped, and Daniel had a narrow escape. A sanguinary engagement, called the "Battle of the Blue Licks," took place in 1782, in which Boone's two sons fought at his side. One of them was killed, and the other severely wounded. Boone was full of expedients, and on one occasion extricated himself from four armed Indians by blinding them with tobacco dust. Kentucky was admitted into the union, 4 Feb., 1791, and in the survey of the state the title to Boone's land was disputed. The case was decided against him, and, stung to the quick by the wrong, he had again to seek a new home, which he established at Point Pleasant, between the Ohio and the Great Kanawha; but in 1795 he removed to Missouri, then a Spanish possession, and received not only the appointment of commandant of the Femme Osage district, but a grant of 8,000 acres. The Spanish possessions passed into the hands of Napoleon, who sold them to the United States, and, in the survey that followed, the Spanish grant of Boone's lands was pronounced invalid. An appeal to the legislature of Kentucky, and another to congress, resulted in a grant by the latter of 850 acres. Boone was then seventy-five years of age, hale and strong. The charm of the hunter's life clung to him to the last, and in his eighty-second year he went on a hunting excursion to the mouth of Kansas river. He had made his own coffin and kept it under his bed, and after his death they laid him in it to rest by the side of his wife, who had passed away seven years before.
On 13 Sept., 1845, their remains were removed to the cemetery near Frankfort, Kentucky, a few miles from the fort of Boonesborough, by the concurrent action of the citizens of Frankfort and the legislature of Kentucky.
Cemetery in Frankfort, Kentucky where Daniel and Rebecca Bryan Boone were re-interred
An American biographical and historical dictionary Containing an account of the lives, characters, and writings of the most eminent persons in North America from its first settlement, and a summary of the history of the several colonies and of the United States. By: W. Hyde, 1832.
BOONE, Daniel, colonel, one of the first settlers of Kentucky, was born about 1730. While he was young, his parents, who came from Bridgeworth,England removed from Pennsylvania or Virginia to the Yadkin river in North Carolina.
He was early addicted to hunting in the woods; in the militia he attained to the rank of colonel. In 1769, in consequence of the representation of John Finley, who had penetrated into the wilderness of Kentucky, he was induced to accompany him in a journey to that country. He had four other companions, John Stuart, Joseph Holden, James Money, and William Cool, with whom he set out May 1. On the 7th of June they arrived at the Red river, a branch of the Kentucky; and here from the top of a hill they had a view of the fertile plain's, of which they were in pursuit. They encamped and remained in this place till Dec. 22, when Boone and Stuart were captured by the Indians near Kentucky river. In about a week they made their escape; but on returning to their camp, they found it plundered and deserted by their companions, who had gone back to Carolina.
Stuart was soon killed by the Indians; but Boone being joined by his brother, they remained and prosecuted the business of hunting during the winter, without further molestation. His brother going home for supplies in May 1770, he remained alone in the deep solitude of the western wilderness until his return with ammunition & horses July 27th. During this period this wild man of the woods, though greeted every night with the howlings of wolves, was delighted in his excursions with the survey of the beauties of the country and found greater pleasure in the solitude of wild nature, than he could have found amid the hum of the most elegant city. With his brother he traversed the country to Cumberland river. It was not until March 1771, that he returned to his family, resolved to conduct them to the paradise, which he had explored.
Students and Teachers of US History this is a video of Stanley and Christopher Klos presenting America's Four United Republics Curriculum at the University of Pennsylvania's Wharton School. The December 2015 video was an impromptu capture by a member of the audience of Penn students, professors and guests that numbered about 200. - Click Here for more information
Having sold his farm, he set out with his own and 5 other families, Sept. 25,1773, and was joined in Powell's valley by 40 men. After passing over two mountains, called Powell's and Walden's, through which, as they ranged from the north east to the south west, passes were found, and approaching the Cumberland, the rear of the company was attacked by the Indians on the 10th of October, when six men were killed, among whom was the eldest son of colonel Boone. One man was also wounded, and the cattle were scattered. This disaster induced them to retreat about 40 miles to the settlement on Clinch River, where he remained with his family, until June 6,1774, when, at the request of gov. Dunmore, he conducted a number of surveyors to the falls of Ohio. On this tour of 800 miles he was absent two months. After this he was entrusted by the governor, during the campaign against the Shawanese, with the command of three forts.
Early in 1775, at the request of a company in North Carolina, he attended a treaty with the Cherokee Indians at Wataga in order to make of them the purchase of lands on the south side of the Tennessee river. After performing this service, he was employed to mark out a road from the settlements on the Holston to the Kentucky river. While thus employed, at the distance of about 15 miles from what is now Boonesborough, the party was attacked March 20, and 23, 1775 by the Indians, who killed four and wounded five. Another man was killed in April. On the first day of this month at a salt lick, on the southern bank of the Kentucky,in what is now Boonesborough a few miles from Lexington, he began to erect a fort, consisting of a block house & several cabins, enclosed with palisades. On the 14th of June he returned to his family in order to remove them to the tort.. His wife and daughters were the first white women, who stood on the banks of the Kentucky river. Dec. 24th one man was killed and another wounded. July 14, 1776, when all the settlements were attacked, two of Colonel Calway's daughters and one of his own were taken prisoners; Boone pursued with 18 men and in two days overtook the Indians, killed two of them, and recovered the captives.
The Indians made repeated attacks upon Boonesborough; Nov. 15,1777 with 100 men, and July 4 with 200 men. On both sides several were killed and wounded; but the enemy were repulsed; as they were also July 19 from Logan's fort of 15 men, which was besieged by 200. The arrival of 25 men from Carolina and in August of 100 from Virginia gave a new aspect to affairs, and taught the savages the superiority of "the long knives," as they called the Virginians. Jan. 1, 1778 he went with 30 men to the blue licks on the Licking river to make salt for the garrison. Feb. 7, being alone, he was captured by a party of 102 Indians and 2 Frenchmen; he capitulated for his men, and they were all carried to Chillicothe on the Little Miami, whence he and 10 men were conducted to Detroit, where he arrived March 30. The governor, Hamilton, treated him with much humanity, and offered 1001, for his redemption. But the savages refused the offer from affection to their captive. Being carried back to Chillicothe in April, he was adopted as a son in an Indian family. He assumed the appearance of cheerfulness ; but his thoughts were on his wife and children. Aware of the envy of the Indians, he was careful not to exhibit his skill in shooting. In June he went to the salt springs on the Sciota. On his return to Chillicothe he ascertained, that 450 warriors were preparing to proceed against Boonesborough. He escaped June 16, and arrived at the fort June 20th, having travelled 160 miles in 4 days, with but one meal. His wife had returned to her father's. Great efforts were made to repair the fort in order to meet the expected attack. On August 1st, he went out with 19 men to surprise Point Creek town on the Sciota; meeting 30 Indians, he put them to flight and captured their baggage. At last, Aug. 8, the Indian army of 444 men, led by captain Dugnesne and 11 other Frenchmen, and their own chiefs, with British colors flying, summoned the fort to surrender.
The next day Boone, having a garrison of only 50 men, announced his resolution to defend the fort, while a man was alive. They then proposed that 9 men should be sent out 60 yards from the fort to enter into a treaty; and when the articles were agreed upon and signed, they said it was customary on such occasions, as a token of sincere friendship, for two Indians to shake every white man by the hand. Accordingly two Indians approached each of the nine white men, and grappled with the intent of making him a prisoner; but the object being perceived, the men broke away and re-entered the fort.
An attempt was now made to undermine it; but a counter trench defeated that purpose. Atlast on the 20th the enemy raised the siege, having lost 37 men. Of Boone's men two were killed and four wounded. "We picked, up," said he, "125 pounds of bullets, besides what stuck in the logs of our fort, which certainly is a great proof of their industry." In 1779, when Boone was absent, revisiting his family in Carolina, Colonel Bowman with 160 men fought the Shawanese Indians at old Chillicothe.
In his retreat the Indians pursued him for 30 miles, when in another engagement col. Harrod suggested the successful project of mounting a number of horses and breaking the Indian line. Of the Kentuckians 9 were killed. June 22nd,1780, about 600 Indians and Canadians under col. Bird attacked Riddle's and Martin's stations and the forks of Licking river with 6 pieces of artillery, and carried away all as captives. Gen. Clarke, commanding at the falls of Ohio, marched with his regiment and troops against Reccaway, the principal Shawanese town on a branch of the Miami, and burned the town, with the loss of 17 on each side.
About this time Boone returned to Kentucky with his family. In Oct. 1780, soon after he was settled again at Boonesborough, he went with his brother to the Blue Licks, and as they were returning the latter was slain by a party of Indians, and he was pursued by them by the aid of a dog. By shooting him Boone escaped. The severity of the ensuing winter was attended with great distress, the enemy having destroyed most of the corn. The people subsisted chiefly on buffalo's flesh. In May 1732 the Indians having killed a man at Ashton's station, captain A. pursued with 25 men, but in an attack upon' the enemy he was killed with 12 of his men. Aug. 10 two boys were carried off from major Hay's station. Capt. Holden pursued with 17 men; but he also was defeated, with the loss of four men. In a field near Lexington an Indian shot a man and running to scalp him, was him- self shot from the fort and fell dead upon his victim. On the 15th Aug. 500 Indians attacked Briant's station, five miles from Lexington,and destroyed all the cattle; but they were repulsed on the third day, having about 30 killed, while of the garrison 4 were killed and 3 wounded. Boone, with cols. Todd and Trigg and major Harland, collected 176 men and pursued on the 18th.
They overtook the enemy the next day a mile beyond the Blue Licks, about 40 miles from Lexington, at a remarkable bend of a branch of Licking river. A battle ensued, the enemy having a line formed across from one bend to the other, but the Kentuckians were defeated with the great loss of 60 killed, among whom were cols. Todd and Trigg, and Major Harland, and Boone's second son. Many were the widows made in Lexington on that fatal day. The Indians having 4 more killed, 4 of the prisoners were given up to the young warriors to be put to death in the most barbarous manner.
General Clarke, accompanied by Boone, immediately marched into the Indian country and desolated it, burning old Chillicothe, Peccaway, New Chillicothe, Willis town, and Chillicothe. With the loss of four men he took seven prisoners and five scalps, or killed five Indians. In October the Indians attacked Crab orchard. One of the Indians having entered a house, in which were a woman and a negro, and being thrown to the ground by the negro, the woman cut off his head. From this period to the peace with Great Britain the Indians did no harm. "Two darling sons and a brother," said Boone, "have I lost by savage hands, which have also taken from me 40 valuable horses and abundance of cattle. Many dark and sleepless nights have I spent, separated from the cheerful society of men, scorched by the summer's sun and pinched by the winter's cold, an instrument ordained to settle the wilderness."
From this period he resided in Kentucky and Virginia till 1798, when in consequence of an imperfect legal title to the lands, which he had settled, he found himself dispossessed of his property. In his indignation he fled from the delightful region, which he had explored, when a wilderness, and which now had a population of half a million. With his rifle he crossed the Ohio and plunged into the immense country of the Missouri In 1799 he settled on the Femme Osage river with numerous followers. In 1800 he discovered the Boone's Lick country, now a fine settlement: in the same year he visited the head waters of the Grand Osage river and spent the winter upon the head waters of the Arkansas. At the age of 80, in company with a white man and a black man, laid under strict injunctions to carry him back to his family, dead or alive, he made a hunting trip to the head waters of the Great Osage, and was successful in trapping beaver and other game.
In January 1812 he addressed a memorial to the legislature of Ky. stating that he owned not an acre of land in the region, which he first settled; that in 1794 he passed over into the Spanish province of Louisiana, under an assurance from the governor, who resided at St. Louis, that land should be given him; that accordingly 10 thousand acres were given him on the Missouri and he became Syndic or chief of the district of St. Charles; but that on the acquisition of Louisiana by the United States his claims were rejected by the commissioners of land, because he did not actually reside; and that thus at the age of 80 he was a wanderer, having no spot of his own, whereon to lay his bones.
The legislature instructed their delegates to congress to solicit a confirmation of this grant. He retained, it is believed, 2,000 In his old age he pursued his active course of life, trapping bears and hunting with his rifle. Though a magistrate and sometimes a member of the legislature of Virginia, and much engaged in agriculture; yet he preferred the solitude of the wilderness to the honors of civil office and the society of men.
He died at the house of his son, Major A. Boone, at Charette, Montgomery Company, September 26th, 1820, aged nearly 90 years. His wife died in the same place. He left sons and daughters in Missouri. In consequence of his death the legislature of Missouri voted to wear a badge of mourning for 20 days. A brother died in Mississippi Oct. 1808, aged 81.
Col. Boone was of common stature, of amiable disposition, and honorable integrity. In his last years he might have been seen by the traveler at the door of his house, with his rifle on his knee and his faithful dog at his side, lamenting the departed vigor of his limbs, and meditating on the scenes of his past life.
Whether he also meditated on the approaching scenes of eternity and his dim eyes ever kindled up with the glorious hopes of the christian is not mentioned in the accounts of him, which have been examined. But of all objects an irreligious old man, dead as to worldly joy and dead as to celestial hope, is the most pitiable. An account of his adventures, drawn up by himself, was published in Filson's supplement to Imlay's Description of the Western Territory, 1793.â Niles Register, March 13, 1813.
Capitals of the United States and Colonies of America
I've got nothing against non-traditional monetary models in games. BattleForge's odd setup, where players buy card packs through the online store to supplement their significant starting pool, and complete real-time strategy missions with created decks, is an intriguing framework. The online backend is solid, with a browser that lets players quickly find teammates or opponents for the mission they're interested in. It's too bad that the actual gameplay is so shoddy I wouldn't play it if the entire thing were free.
The basic combat is very traditional RTS battle, granting victory to the player who best uses counter units and properly employs his troops' activated abilities. Many of the little details that go into RTS design are poorly done, though. The massive pool of creatures and spells you may encounter makes it difficult to keep abreast of strengths and weaknesses. The extremely fast pace makes it easy to be overwhelmed – especially if, as in many scenarios, you have multiple fronts to deal with. [Excerpt]
There isn't much of an economic game, either. Controlling nodes gives a trickle of power to your pool, and any dead units slowly return their power cost to your bank as well. Strategic orbs can be captured to allow access to the higher tiers of spells in your deck. Most maps are designed in such a way that each player has access to a preset amount of these, meaning the units you summon are virtually the only determinant of success.
BattleForge is a combination of strange mechanics and bad design. Units are diverse, and yet none of them are terribly interesting. Missions have a ton of variety on the surface, but in practice they're variations on the same few objectives. Combat is vanilla RTS, but too messy to allow for much tactical or strategic creativity. New revenue models are a good way to try to find success in a tough PC gaming market, but even the cleverest is nowhere near as important as good gameplay.
Salam sejahtera buat smue :) Okay mlm nie nia terasa nk ckp psl isu bertudung.. Dlm dunia Islam kita hari ni, kita lihat wanita-wanita Islam mmg bermacam ragamnya.. Soal tudung labuh, tudung singkat dn malas bertudung tu kita tolak ke tepi dulu. Skrang apa yg kita nak bincangkan di sini ialah topik bertudung di mana-mana sahaja.. Ada dlm kalangan kita yg mengaku bertudung tetapi, sayang seribu kali sayang... tk ramai yg menghargai tudung itu sendiri. Mengapa masih ada yang tidak bertudung bila ada tetamu dtg ke rumah? Okay, kalau betullah malas sgt nk pkai tudung, then duduk sahaja lah dalam bilik. Anak dara memang tak digalakkan tayang muka pun betul tk? Tapi klau dh parents panggil suruh keluar, rasanya bukan satu beban untuk memakai tudung. Ya, nia tahu mmg agak susah nk buat semua ni sebenarnye memandangkan kita berada di rumah kita sendiri, jadi kita rasa mcm tudung dh tk perlu pakai lg. Cuba kita renung balik, apa bezanya kita dgn org free hair klau kita tk pkai tudung bila ade tetamu dtg?
Satu lagi issue is when kita balik kampung. Tahukah kita apa hukum aurat kita dengan 'lelaki' yang mengahwini ibu saudara kita? (maksudnye bukan bapak saudara yg betul2)... Tahukah kita apa hukum aurat kita dengan sepupu-sepupu lelaki kita yang sudah baligh? Haa...rasanya masih ramai yg belum tahu. Nia terkejut bila dengar ade lgi org yg berusia 25 tahun tapi kata aurat dgn sepupu lelaki tk pe tk tutup rambut pun, sedangkan kita semua tahu sepupu itu adalah lelaki yang boleh kita kahwini.. Maka, hukum aurat jelaslah di situ. Jadi, bila balik kampung, terutamanya bila semua sanak saudara berkumpul time raya, masyaAllah... lagilah susah nk bertudung sepnjang masa betul tk? Tapi... klau kita langsung tk latih diri kita dari sekarang, bila lg? Jgn anggap benda ini remeh kerana ini mungkin menjadi penghalang kita utk masuk syurga kelak.. Fikir2kan lah.. Emm, cuba tgk balik gambar tudung instant yg nia letak kt atas ni.. Inilah tudung paling simple yg paling senang utk pkai. Korang cume perlu sarung je kt kepala.. So, tk de lah membebankan sgt betul tk? Haa, inilah ujian Allah buat kaum Hawa yg kita smua selalu sgt ambil remeh. Klau boleh, lepas ni, bila balik kampung, cuba-cuba lah kekal bertudung wlaupun 24 jam stay kt kampung tu.. Nia tahu mmg kampung korang tu mcm rumah korang..sbb tu korang tk kisah nk bukak tudung ke ape, ye lah cousin2 tu smue pun dh mcm adik beradik korang.. Tapi ingt, hukum tetap hukum.. :)
ADVICE FOR TODAY : Jadikan tudung itu sebagai teman setia anda, insyaAllah banyak hikmahnya..
Moje iskustvo sa nima je katastrofalno,uplate koje ne lezu na vreme,pola stvari nemuguce izvesti,stalno im je neki servis u kvaru. Zoves kol centar oni pojma nemaju,postave tigomilu nebuloznih pitanja ina kraju ti samo kradu vreme,svi su ljubazni ipotpuno neupotrebljivi. Uopste telenor banka je neprijatna formalnost koju placas
BACKGROUND, 11 years of stonewalling and despicable maneuvers ...
Dog killer, found liable, empties most of bank account - court filing
Hartford police officer JohnMichael O'Hare -- found liable for violating the Fourth Amendment, trespassing and fatally shooting the pet dog of a 12-year-old Hartford girl -- has removed most of the cash from a savings account that had been attached by a federal court, according to a filing in Hartford's U.S. District Court.
The court filing by the girl's attorney on Nov. 21, 2016 stated U.S. Magistrate Donna Martinez had ordered O'Hare and fellow officer Anthony Pia not to transfer assets. Attorney Jon Schoenhorn asserted in the filing that O'Hare's account shrunk from $23,508.06 to $1,383.40 this fall. Prior to that, a jury awarded a total of more than $200,000, including $32,000 in punitive damages for this Fourth Amendment case. Litigation costs and attorney fees are also to be awarded after eight years of litigation and are anticipated to exceed $700,000.
The Associated Press has reported that the city of Hartford reversed its position to indemnify the officers. At the same time, according to the filing, the city continues to pay attorney's fees and defense costs.
Attorneys for the police officers and the union did not respond to messages left Tuesday.
The law and the civil rights of the community should not be interpreted differently because of where a family chooses to live or their ethnicity. If it had not been for Attorney Schoenhornâs perseverance and refusal to sit idly by as injustice sought to prevail, my family may have never gotten even the smallest sliver of justice. Our families in this city need to be treated with the dignity and respect that we deserve. Itâs better for everyone who works and lives here to just treat people better. We are sons, daughters, brothers, sisters, fathers and mothers. We deserve better than to be simply treated as an afterthought, suspects, or insignificant.
The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.
SluÄajno sam veÄeras proÄitao ovaj prilog i raÅ¾alostio jer sam imao Äast i zadovoljstvo da budem saradnik pravog gospodina SreÄka JamniÅ¡eka u Frankfurtu tokom pet godina rada u Ljubljanskoj banci. Neverovatan Äovek, pun znanja, energije i optimizma. Rastali smo se 91/92 godine kao veliki prijatelji ali se na Å¾alost od tada nismo viÅ¡e Äuli. Imao sam Äast da upoznam i njegovu divnu suprugu i ako kojim sluÄajem neko ima kontakt sa porodicom JamniÅ¡ek Å¾elim da zamolim da prenesete moje iskrene pozdrave i moje divno seÄanje na SreÄka JamniÅ¡eka. Slobodan MariÄiÄ, nekadaÅ¡nji Å¡ef predstavniÅ¡tva u Frankfurtu sa suprugom Nadom inaÄe detaÅ¡irani predstavnik nekadaÅ¡nje Ljubljanske banke u Beogradu.
Oceti Sakowin encampment on Oct. 6, 2016. The proper name for the people commonly known as the Sioux is Oceti Sakowin, (Och-et-eeshak-oh-win) meaning Seven Council Fires.
Story and Photos by John Briggs
Cool Justice Editor's Note: OK to repost, courtesy of John Briggs and The Cool Justice Report.
Corporate â Government Alliance Versus the American People
Native Americans from tribes across the country have gathered on the windswept plains of North Dakota to pray with Mother Earth to keep the Dakota Access Pipeline (DAPL) from pumping 500,000 gallons of oil a day beneath the Missouri River. The natives know the pipeline will most certainly leak or break, as have most U.S. pipelines, fouling the water for the Great Sioux Nation and 18 million non-Natives downstream.
The standoff -- which began in April -- continues as a new U.S. administration ascends to power with a president-elect who campaigned denying human-caused climate change and threatening the Paris Climate accords. This remains the overriding reality despite a mini walk back by Donald Trump pledging an open mind to The New York Times this week.
Standing Rock illuminates the brazen alliance that has developed between corporate and government interests. Viewed from the front lines, the law has been turned into a fig leaf for repression and suppression. Only the discipline and spiritual clarity of the water protectors and the native elders has kept people from being killed or seriously injured since April when the movement began.
The fused police-DAPL force is doing everything it can to incite a violent reaction from the resisters so as to crack down, clear the camps, imprison, or even gun down the natives. More than one commentator has found the atmosphere at Standing Rock similar to what led to the Wounded Knee massacre in 1890 when 300 Sioux were murdered by government troops who mistook their prayerful Ghost Dance for a war dance.
A great deal is at issue at Standing Rock. The Sioux and their numerous native and non-native allies face a militarized force whose composition tells us something dark about the complex faÃ§ade that U.S. democracy has become and suggests the proto-fascist zombi lurking beneath. More deeply, Standing Rock also emblemizes a struggle that is taking place at this moment in human history between two distinct modes of human consciousness.
One mode is the familiar anthropocentric (human-centered) consciousness that the dominant culture most of us were born into favorsâa consciousness that assumes reality is a collection of objects to be extracted, owned, and branded. Humans are the focus of this consciousness, meaning that our concerns about climate change focus primarily on the fate of our own species.
Distinct from this anthropocentric mind-set is a second, ancient and spiritual mode of awareness that understands that the earth and its landscapes are not objects; they are relationships, including the tangle of relationships that gave us birth. This ancient mode of consciousness is potential in everyone, but for most it has been buried beneath the piles of conceptual objects that we have come to believe constitute our reality.
The Indigenous Peoples gathered at Standing Rock are guided by this ancient, holistic, earth-mind consciousness, and so they understand that humans are not the most valuable living objects on the planet: we are not in control of the planet; it is not our job to manage nature; rather, our sacred task is to work with Mother Earth and other beings as members of Earthâs family. If we donât, Mother Earth will make us face this spiritual truth one way or another.
Guided by their ancient, earth-mind awareness, Native Americans have taken up a role as âwater protectors.â âMni Wiconi, Water is Lifeâ is the slogan of the Standing Rock movement.
There the protectors sing and pray in the face of physical harassment and arrests by heavily armed police fused with a corporate security force.
DAPL and their overlord company, Energy Transfer Partners, have lavished campaign contributions on politicians in North Dakota and the U.S. Congress so that they could use the stateâs eminent domain powers to force purchase of land for the pipeline all across North Dakota, beginning in the Bakken fields in the northwest corner of the state where the fracked crude oil is extracted. Similar eminent domain arrangements were achieved in other states through which the 1,200-mile line traverses before reaching a river port in Illinois. The company promised Congress and the public that the pipeline would carry oil for 100 percent domestic use only, but it is clear from reporting done by the website The Intercept that the oil will be sold on international markets.
The DAPL line, now virtually complete except for permission from the Army Corps of Engineers to fill in the link that crosses under the Missouri River, passes just north of the Standing Rock Sioux Reservation and Cannon Ball, North Dakota. The DAPL construction runs through sacred burial and archeological grounds that the Lakota people were given free access to by treaties with the U.S. Government in the 19th Century. In mounting their resistance to the pipeline, the Standing Rock Sioux have been turned into âtrespassers on their own land.â
In late August, the tribeâs lawyers filed a stop work petition in federal court detailing areas where sacred sites would be disturbed if construction continued on its planned trajectory. The federal judge routinely forwarded a copy of the filing to DAPL. Over Labor Day weekend, when the company would not have been expected to work, pipeline crews leapfrogged to the disputed sacred and preemptively bulldozed them under. Too late, the judge granted the Sioux an emergency restraining order, but, then in a curious move, allowed construction in some areas where sacred sites have been discovered. DAPL has ignored a request from the Obama administration not to work in buffer areas on either side of the river. No fines have been imposed for intentionally bulldozing the disputed sacred sites.
In recent live-stream videos from the front lines, DAPL-police snipers can be seen perched on top of a sacred mound called Turtle Island, their high-powered rifle crosshairs trained on the water protectors who are standing in prayer in the frigid lake below.
North Dakota wants the federal government to pick up the tab for the massive expenditures required to keep the Native Americans under their guns. Alternatively, the CEO of Energy Transfers, Kelcy Warren, has offered to pick up the millions-of-dollars tab.
Native media have documented that DAPL has already been supplying military-style equipment, drones, armored vehicles, riot gear, water canons, concussion grenades and other armaments. The tax-payer-funded and corporate-sponsored front lines phalanx is led by the Morton County Sheriffâs Department, which has local jurisdiction, reinforced by North Dakota State Troopers, North Dakota National Guard units, sheriffs and police from six nearby statesâall interpenetrated by DAPL security (while the FBI lurks in the background). A contingent of Hennepin County, Minnesota, Sheriffsâ Deputies were recalled following protests back home. Residents in the state of Ohio are writing letters and calling legislators to express their distress that their law enforcement has been enlisted into this repressive force.
Native mediaâs live stream videos show DAPL security teams in mirror-visor helmets and black ops body armor with no identification, mingling with the police, sometimes directing them when and who to mace or pepper spray. They point out media making video for arrest. The big fossil fuel company evidently has plenty of experience dealing with protestors around the world. In their blank, reflecting visors we can see the soulless Darth Vader face of the government-corporate proto-fascist state the U.S. is becoming.
Of course, this struggle with the Wasiâchu (Lakota word for the white man, meaning literally âtakes too muchâ) is an old story for Native-Americans. In the 18th and 19th centuries it took the form of the Sioux nations trying to hold back the tsunami of colonizers flooding into their ancestral lands, occupying and despoiling them. The big difference now is that the fire-power of the state (think Custerâs 7th Cavalry or present day militarized police) has been fused with vast profit centers dependent for their existence on plundering the earth in the name of energy-squandering lifestyle survival.
The provocations the water protectors endure take many forms. There is the psychological pressure of constant surveillance: the heavy police presence on the roads around tribal and reservation lands, the DPLA helicopter and a small plane that circle constantly above the encampments; there is the Bureau of Indian Affairs station set up on a knoll to suck out data from the cell phones of anyone in the area. There is the pepper spraying and tasing of water protectors who are praying. There is the more recent blasting of the protectors with freezing water canons in sub zero weather. There is the constant threat of weapons pointed at them. One twitching trigger finger could set off a slaughter.
The water protectors are unarmed. The resistance movement does not allow guns in the encampments. One day, at one of the front line actions, an armed man showed up with a pistol and began firing. Possibly he was paid by DAPL to create an incident. The Natives are aware of paid provocateurs or agitators passing through the camps, pulling dirty tricks, looking to start something. Antimedia reported about the man with the gun: âAccording to an official statement from the tribe, the man fired several shots from his gun before being peacefully apprehended by tribal police. Witnesses at the scene say he pointed his gun at several protesters. The man was clearly trying to provoke violence that could later be used to demonize protesters who have so far remained peaceful.â
The news site added, âThe Morton County Sheriffâs Department circulated a false report claiming the man was shot, presumably by protestersâ¦ [As images show], the man was not harmed. The Sheriffâs Department has since retracted that report. Anti-Mediaâs attempts to obtain clarifying comments from Morton County Sheriffs were ignored.â
On a hill overlooking Oceti Sakowin, the largest of the Standing Rock encampments, an old army tent houses the field office of the rotating teams of lawyers who come to Standing Rock to help out. They use donations made to the resistance to bail out protectors who have been arrested; they try to negotiate with the police so the protectors can be allowed to pray. The constant arrests on trumped-up charges are an ongoing harassmentâpeople maced or beaten, violently thrown to the ground and zip-tied. Often activists are charged with trespass and âriotâ on the Morton County Sheriffâs novel legal theory that if several people are arrested for trespass that must signify that they were engaged in a riot.
All this naturally requires court time and money to defend, incarceration in usually unpleasant conditions, including dog kennels. (Though the white allies who are arrested seem to get better treatment.)
Arrests are to be expected as a consequence of civil disobedience. But some arrests are directed at chilling speech. One lawyer who came to Standing Rock from the Oregon-based Civil Liberties Defense Center, an activist defense nonprofit primarily involved in climate protests, https://cldc.org/ told Jordan Chariton of The Young Turks Network that often after the dayâs action was over, police would stop the last cars in the caravan. They would then make âsnatch and grabâ arrests, impounding the cars of people who had come to support the water protectors but had no expectation that theyâd be arrested when the action was over and the police told them to leave. They have to pay heavy fines ($900) to get their cars back. She said the arrests and impoundment fines for their cars are unlawful. âThe intention with those types of actions is to scare out-of-towners from being comfortable coming to these actions. So theyâre trying to chill the rights of others to come and participate in these protests.â
The authorities regularly characterize the natives as terrorists, and local radio spreads false rumors of farm animals being slaughtered and stolen, reported vandalismâthe kind of thing you would expect from psychologically projected homesteader fears about savage Indians of earlier centuries.
Yes, Magazine on Oct. 31 reported: âThe county sheriff is claiming the water protectors were violent and that police were stopping a riot. But hours of live video feed from people caught in the confrontation showed instead a military-style assault on unarmed people: police beating people with batons, police with assault rifles, chemical mace, guns firing rubber bullets and beanbag rounds, tasers.â
The UN has sent human rights observers. According to Salon, Nov. 16, 2016: âThe U.N. special rapporteur said that American law enforcement officials, private security firms and the North Dakota National Guard have used unjustified force against protesters.
â âThis is a troubling response to people who are taking action to protect natural resources and ancestral territory in the face of profit-seeking activity,â [Maina] Kiai [U.N. special rapporteur] said in his statement, which was issued by the Office of the U.N. High Commissioner for Human Rights and was endorsed by several other U.N. experts.
âAt least 400 activists have been detained and often have been held in âinhuman and degrading conditions in detention,â Kiai added. Some indigenous protesters have said they were treated like animals and even held in dog kennels.
â âMarking people with numbers and detaining them in overcrowded cages, on the bare concrete floor, without being provided with medical care, amounts to inhuman and degrading treatment,â the U.N. expert said.
â âThe excessive use of State security apparatus to suppress protest against corporate activities that are alleged to violate human rights is wrong,â he continued, noting that it violates U.N. guidelines on business and human rights.
âAmnesty International USA, which has repeatedly criticized authorities for not respecting the rights of protesters, issued another statement on Tuesday noting that U.S. authorities had put up roadblocks to prevent journalists and human rights observers from documenting the protests and the official response.â
Compare the government response at Standing Rock with the response occasioned by Ammon Bundy and his gang of armed militants when they occupied Oregonâs Malheur National Wildlife Refuge for over a month in January 2016. Imagine if the Bundy gang had been pepper sprayed, beaten, hit with water cannon, tased. But the Bundy crew were taking over the refuge to proclaim their belief that public lands should be given free to the profit-making private ranching business. In other words, the Bundy crew was the cowboys, not the Indians.
The mainstream corporate media has largely ignored the stand-off at Standing Rock. Rallies have taken place around the world at places like Tokyo, Stockholm, and Auckland, but the sad truth is many foreigners have heard more about Standing Rock than Americans have. Not surprising. The news editors, working for corporate media conglomerates, choose what they believe we should know and what fits the larger corporate agenda, and so they devote massively more play to Brad Pitt, to the gossipy politics of whoâs-on-first, and to whatever the latest glittering consumer thing is than they do to climate change and issues highlighted by the poor and the powerless, like Standing Rock. What coverage that does exist is usually cursory and misleading.
Fortunately, alternative media have been on the scene and active at Standing Rock. As someone who taught journalism for more nearly 20 years, it has been refreshing for me to see what the alternative press is accomplishing.
Amy Goodman of the webcast Democracy Now brought the prayer-resistance movement to national attention over the summer. She was arrested and charged with riot in absentia for her live reports of water protectors being set upon by dogs. The charge was later dismissed in court.
Jordan Chariton of The Young Turks Network has done searching interviews and incisive commentary from the scene.
But my absolute favorite news source at Standing Rock is Myron Deweyâs Digital Smoke Signals. Dewey does updates every day, which he posts on Facebook. I highly recommend anyone who has a Facebook account to âfollowâ him. I went to Standing Rock on Oct. 4-11 with two friends and I have since been able to keep up with developments on the ground through Deweyâs Facebook broadcasts. He posts live stream unedited clips that constitute what he calls an ongoing âdocumentationâ of what is happening day-to-day at the movement.
Here is Dewey at night standing on a hillside next to the Oceti Sakowin encampment. His face appears in the glow of his screen. Then heâs panning and zooming in on a large grassfire as heâs telling us about it. His finger appears in the screen and points out where the fire started. He says the helicopter which constantly circulates over the camp suddenly disappeared 20 minutes before they saw the first flames. He zooms to the area where he and the person he is with first spotted the fire. He says, âIt looked like someone using a drip torch.â He says they called 911, but itâs been over an hour and the Morton County Fire Department hasnât shown up. He tells the people in the camp, his audience, not to worry, though. It looks like the fire was started by DAPL employees to scare them or hurt them. But the Oceti Sakowin is full of Indians who supplement their income by wild-land firefighting, work that also benefits Mother Earth; he mentions that he is himself a âhotshotâ firefighter [one of the elite crews]. He and his fellow firefighters can tell by the wind direction that the fire wonât harm the camp.
Now hereâs Dewey on a bright morning walking along the road by Oceti Sakowin. A young man appears on screen, and Dewey asks him who he is and why heâs here. Heâs from the Paiute nation. âIâm here to protect the water,â he says. Dewey asks him to sing a Paiute song. The young man closes his eyes and sings.
In another nighttime broadcast find we ourselves looking through a car windshield, headlights illuminating the highway, centerlines whizzing by. We hear voices talking in the backseat. The car drives on and on. Weâre just watching the road. Then ahead is a police roadblock. The police van looms. Dewey gets out with his camera and calls over to the officers, asks them where theyâre from, inquires about where the road blocks are, what are the open routes. At one level itâs a mundane exchange between a citizen and police, but you experience the edginess of the situation. More deeply, you feel the riskiness and pathos that is involved any human interaction. Dewey firmly exercises his right to have these protect-and-serve police respond to him civilly; he is cordial and respectful in a way that reinforces to them and to his viewers that he is after all not their enemy but a fellow human being. Dewey asks more questions and the lead officer says he doesnât want to be filmed; Dewey offers to turn his camera away from them and onto himself. The distant officers disappear from the screen and Deweyâs face fills it. The contact officer walks nearer; we can hear his voice. Dewey canât resist a joke, though. He asks the officer if heâs sure he doesnât want to become famous by putting his face on Deweyâs screen? You realize these are just guys doing their job. Dewey understands that, but he also wants to educate them about the water protectorsâ mission. He never misses an opportunity to educate his adversary, as well as his own people about the larger dimensions of the Standing Rock resistance. When he gets back in the car, someone in the back seat says âLetâs get out of here; this is enemy territory.â Dewey laughs, turning the car around, âItâs not enemy territory.â
I believe you learn more about Standing Rock by watching Deweyâs unedited video than you ever could from watching any number of dramatically produced, commercially constricted reports on CNN, complete with the drumb-drumb latest crisis theme music.
Dewey explains to his viewers that what theyâre seeing is a âdocumentationâ thatâs not edited. âItâs not scripted. Itâs not acted out.â
Note that I am not saying that the news these days is politically biased. Some obviously is, but the left or right bias charge is a serious red herring, a mis-direction. In fact, in mainstream mediaâs very effort to appear neutral and unbiased means events are chopped up and pieced together to fit the templates of a few hackneyed forms of storytelling: the winner-loser story, the conflict story, the individual overcoming obstacles story, the facing bad choices stories, he-said, she-said stories, scandal stories, hypocrisy stories. Youâve seen them all, repeatedly.
Most of these templates come plated with a cynicism, skepticism, superiority, or sentimentality that grabs our attention by adding a dash of disgust. The current journalistic manner of telling stories reduces and dismisses the story in a way that sometimes makes the commercials and pop-up ads come as a relief. None of the common journalistic templates or attitude has much to do with real life as itâs lived in the moment. Itâs not what people really experience in their lives. Instead, itâs how theyâve been conditioned to wrap up experience afterward in a dramatized way that leaches out the nuance, that leaves out the moment-to-moment uncertainty, or as the Lakota call it, the Wakan, the deep mystery of relationships that permeates every event. And thatâs what Deweyâs broadcasts have in abundance. You get to see him interacting with the people who show up on his screen. You get to feel his humanity and the mystery of everyday relationships taking place at Standing Rock that he brings to light. Itâs certainly not dramatic or melodramatic. Itâs not interesting or stimulating in the usual way. It does seem really important.
So when Dewey sits in his parked car and does an update video on â10 things to know about DAPLâ (Nov. 18, 2016), thereâs no editing and no script, meaning that you get to see him thinking through what those top 10 things might be. Some points he makes are incisive and comic, others not so much. But the not-so-much ones can lead you to thinking about gray areas, the imprecise observations we all make. He asks a guy who just got in the car to help out with his list and the guy, William Hawk Birdshead, goes immediately serious on him until Dewey says, âI was trying to keep it light.â So the Birdshead says, âLaughter is good medicine.â Suddenly theyâre off. Dewey mimics the shifty-eyed look of the FBI guys lurking around the area and denying they are FBI, the DAPL security characters trying to look all steely and tough. We learn that in the encampments they say that âDAPL dresses up like Ninja Turtles.â You can tell that itâs DAPL undercover because those guys never drive rez cars, which are rusted and dented. Nobody is spared. Dewey describes the water protectors just arriving from California as dudes whoâve âgot their animal spirits onâ¦ Theyâre all furred up. Theyâre coming in all mystical and crystals.â He and his buddy laugh, which Dewey says is laughter âin a good way,â because the whole thing going on at Standing Rock is deadly serious but you need laughter, because thatâs good medicine for healing. And healing and praying are about âgetting reconnected with the Earth.â
This points to a major difference between anthropocentric prayer as most of us know it and earth-mind prayer. In the prayer that most people are familiar with, an individual seeks intercession for human needs with a transcendent being. The Native prayer is about healing not getting. The prayer is a community ceremony or song or ritual to maintain or restore the balance between and among beings, both animate and inanimate. Prayer is to all my relatives, all my relations, the birds, the water, the wind, the buffalo, my family, even those who oppose me as enemies. Mitakuye Oyasin is an important Lakota phrase that means âall my relations.â When youâre watching a Dewey update from Standing Rock youâre experiencing Mitakuye Oyasin in action. Itâs newscasting as a kind of prayer, in the earth-mind sense. Whether heâs engaging in laughter or educating about the spiritual importance of water, you can see that what heâs getting at is healing relationships. Watching and listening, you get to be part of that healing.
What Dewey does goes way beyond advocacy journalism.
Our traveling companion for our visit to Standing Rock, Lakota elder Tiokasin Ghosthorse, also provides a good way to keep up with developments through the interviews he conducts for his weekly syndicated broadcast from WPKN in Bridgeport Conn. and WBAI in New York City. On Oct. 31, 2016, Tiokasin interviewed a young man who was seized on Oct. 27 when a frontline camp was destroyed by police. Trenton Joseph Castillas Bakeberg, in the bloodline of Crazy Horse, was praying in a sweat lodge when the militarized police swept through the camp. They yanked him out of the sweat lodge and arrested him. The young water protector told Tiokasin:
âI pray that weâll be able to keep a state of prayer and peace, as we have beenâ¦ Although thereâs some people on our side are more likely to tend toward violence. But thereâs also people on our side to stop them. Donât start a fight. Thatâs what itâs all about, keeping it peaceful because the elders told us in the beginning that all it takes is one single act of violence, one person attacking a police officer and theyâll unleash the fear on all of us. This wrath that we have with our military overseas, weâre beginning to see it now in the heart of our own country. All for the greed and the corporate interests of this government. They say weâre a democracy but itâs not showing anymore. The people didnât want this pipeline, but this foreign entity that they call a corporation, Energy Transfers, is saying, we donât care. We want this money. We need this for economic stability of the country and that somehow trumps the interests of our communities and our nation as a wholeâ¦.Weâre standing up to this corporate machine with prayer and love.â
Against a heavily armed, corporatized democracy designed to ensure that only powerful business and political elites rule the land and possess the wealth of its objects, the Native-American people at Standing Rock stand in defense of Mother Earth armed with songs, prayers, and an understanding that Earthâs objects are us, and we are them. They are our relatives. It seems better armament than most of us Wasiâshu possess. Webster defines fascism as âa political system headed by a dictator in which the government controls business and labor and opposition is not permitted.â Itâs an incendiary word, and readers might think ill of me for introducing it here. Certainly we are not a fascist state yet. But for the prayer-resistance at Standing Rock, the clear alliance between corporate and government interests to quell their opposition under color of the law has a fascist flavor.
It should not surprise anyone that the new US president reportedly holds stocks that directly fund the Dakota Access Pipeline and that the DAPL CEO Kelcy Warren gave the Trump campaign a substantial donation.
This is how the proto-fascism works. Ironically (or perhaps absurdly), Trump may have been elected by people hoping he would somehow counter the tightening grip of multinational corporations on their lives. One might wish for that to happen.
At a deep level, Standing Rock may suggest that such absurdities as a Trump presidency occur because our mode of consciousness is impaired or inadequate to the situation it has created on our planet at this historical time. Too many of us have gone dead to the natural world we come from. Our obsessive anthropocentric mode of consciousness has reduced nature and reality at large to a bunch of things we have names forâthings that feed our greed. Fortunately, many Indigenous people have retained an acute and ancient consciousness that we are those rocks and trees and clouds, and birds and water that we see outside our windows, and that restoring our relationships with them is incumbent on us.
John Briggs is emeritus distinguished Professor of Writing and Aesthetics from Western Connecticut State University. He was the English Departmentâs journalism coordinator for 18 years and was one of the founders of Westernâs Department of Writing, Linguistics, and Creative Process. He is the author of several well-known books on chaos theory, fractals and creativity. He lives in the hilltown of Granville, Mass., where served as a Selectman for five years and as reserve police officer for 10 years.
When people at Standing Rock talk about the black snake they mean the pipeline, referring to an old Sioux legend about a black snake that will threaten the end of the world. The Lakota prophet Black Elk said that in the seventh generation, the Sioux tribes would unite to save the world.
Media covering the Standing Rock resistance movement:
Whoâs Who Whatâs What In the World of CIA Fronts, Partners, Proprietaries & Contractors
The Almost Classified Guide to CIA Front Companies, Proprietaries & Contractors By WAYNE MADSEN ISBN: 978-1-365-11196-9
Cool Justice Editor's Note: Following are excerpts from author Madsen's introduction and the body of the work. Additional suggested reading: News story about Madsen's book via the Washington, D.C. based Justice Integrity Project [link at the bottom of this post].
From the Introduction
One of the most pervasive uses of companies as intelligence partners was under the CIAâs Operation MOCKINGBIRD. During the Cold War, the CIA, often with the approval of corporate executives, infiltrated their agents to work as journalists in newspapers, radio and television networks, wire services, and magazines. The following pages in this book are rife with examples of this penetration of the Fourth Estate â all too many in the opinion of this journalist. The CIA admitted to at least 400 journalists on the agencyâs payroll at the height of MOCKINGBIRD. The CIA traditionally understates its capabilities, especially when its covert activities become publicly known. Moreover, the end of the Cold War did not stop the practice of the CIA in infiltrating the media and slant news reports to its wishes.
An insightful look behind the veils of secrecy into the CIAâs use of fronts, proprietaries, and partners calls into question the purpose of the CIA. Created by President Harry S Truman to serve as a central collector and repository of intelligence, the CIA became much more than that. A few weeks after the United States witnessed the assassination of President Kennedy in the middle of downtown Dallas, Truman penned an op-ed piece that appeared in several newspapers around the country. In it, Truman shared his regret for having created the CIA in 1947:
âI think it has become necessary to take another look at the purpose and operations of our Central Intelligence AgencyâCIA . . . For some time I have been disturbed by the way CIA has been diverted from its original assignment. It has become an operational and at times a policy-making arm of the Government. This has led to trouble and may have compounded our difficulties in several explosive areas.
"I never had any thought that when I set up the CIA that it would be injected into peacetime cloak and dagger operations. Some of the complications and embarrassment I think we have experienced are in part attributable to the fact that this quiet intelligence arm of the President has been so removed from its intended role that it is being interpreted as a symbol of sinister and mysterious foreign intrigue.â
The 21st centuryâs CIAâs partners are more likely to be found among high-tech companies marketing the latest and greatest mobile applications and data mining programs than among banks, law offices, and advertising agencies. However, in the post-World War II era, the CIAâs top and middle echelons were normally found operating through cover as typewriter-pecking journalists, traveling Madison Avenue admen, corporate lawyers, and chain-smoking oilmen. In the 1970s and 80s, CIA contractors and partners began showing up in the high-tech field, with database, local area networking, and on-line information retrieval systems attracting the most interest by Langley.
Amazon, Inc. [CIA contractor]. Company provides cloud computing services for the CIA. Amazonâs CEO Jeff Bezos also owns The Washington Post.
American Historical Society. [CIA partner]. Many society officials were OSS/CIA officers.
American Press Institute. [CIA front]. Operating out of Columbia University, the instituteâs director in the 1950s was a CIA officer.
AmeriCares. [CIA partner]. A non-profit organization that is often the âfirst inâ at refugee situations. Founded by tycoon J. Peter Grace, a board chairman of the CIA front, the American Institute for Free Labor Development (AIFLD) and a trustee of another CIA front, the American Committee for Liberation from Bolshevism, AmeriCares was involved in funding the Nicaraguan contras. The group has also provided the CIA with recruiting opportunities at mass refugee sites, particularly in Latin America and Asia.
Bechtel Corporation. [CIA contractor]. Bechtel is a large construction company that has included former CIA director Richard Helms, CIA pseudonym âFletcher M. Knight,â among its executive ranks. Bechtel was active in providing corporate cover for the OSS in the Middle East during World War II. Bechtel has been a consummate service company for various CIA operations, including support for the CIA-inspired coup against the Syrian government in 1949, the Iranian government of Prime Minister Mohamed Mossadeq in 1953, and President Sukarno of Indonesia in 1965. From the 1960s to the 1970s, Bechtel provided cover for CIA agents in Libya under both the regime of King Idris and his successor, Muammar Qaddafi. Sometimes called a âsecret armâ of the CIA, Bechtelâs executives included those who would join President Reaganâs Cabinet, including Secretary of State George Schultz and Secretary of Defense Caspar Weinberger.
Before World War II, Steve Bechtel formed a military-industrial complex partnership with John McCone. McCone later became the chairman of the Atomic Energy Commission and later, director of the CIA. The CIA has used Bechtel to provide cover for non-official cover CIA operatives abroad.
Blackstone Investment Group. [CIA front]. With offices in Washington, DC and Moscow, arranged for the purchase of KGB documents following the collapse of the Soviet Union. Among the documents sought by the front company were any related to illegal CIA activities during the Cold War, including the 1963 assassination of President John F. Kennedy.
Bourbon and Beefsteak Bar and Restaurant. [CIA front]. Opened in 1967 in Kingâs Cross in Sydney, Australia. Served as a rendezvous point for CIA, Australian Security Intelligence Organization (ASIO), and organized crime figures. Its proprietor was Bernie Houghton, a CIA operative with links to Nugan Hand Bank, CIA weapons smuggler Edwin Wilson, and CIA clandestine services officers Theodore Shackley, Rafael Quintero, and Thomas Clines.
Center for Democracy. [CIA front]. Administered under the aegis of Boston University, the center maintained offices in Boston, Washington, DC, Guatemala City, and Strasbourg, France. Involved in CIA operations in eastern Europe, Central America, and Africa.
Colt Patent Firearms Company. [CIA partner]. Based in Hartford, Connecticut, provided corporate cover for CIA officers operating abroad.
Daddario & Burns. [CIA partner]. Headed by former OSS officer Emilio Daddario, a Democratic Representative from Connecticut, the Hartford-based law firm provided services to the CIA.
DC Comics. [CIA partner]. Worked with the International Military Information Group (IMIG), a joint CIA/Pentagon unit at the State Department, to disseminate propaganda comic books, featuring Superman, Batman, and Wonder Woman, in Serbo-Croatian and Albanian, to youth in the Balkans during the military conflicts in that region.
Disney Corporation. [CIA partner]. CIA agents who were adept at creating front companies and shell corporations in Florida, worked closely with Disney in preparation for the construction of Disney World near Orlando, Florida. OSS veteran âWild Billâ Donovan and CIA shell company expert Paul Helliwell helped create two fake Florida cities, Bay Lake and Lake Buena Vista, as well as a number of shell corporations, to keep secret the plans for Disney World. This kept land prices low because real estate speculators were unaware of the prospective value of the land in a desolate area of central Florida.
Emory School of Medicine. [CIA partner]. Located in Atlanta, Georgia. Involved in the CIAâs MK-ULTRA behavioral modification project.
Enron Corporation [CIA partner]. Houston-based firm that was used by the CIA to provide commercial cover for its agents around the world. There were at least 20 CIA employees on Enronâs payroll. Andre Le Gallo, a former official of the CIAâs Operations Directorate, went to work as a corporate intelligence officer for Enron.
Fair Play for Cuba Committee (FPCC). [CIA front]. Officially established by American Trotskyists, the group was penetrated by CIA operatives. The FPCC New Orleans office was a CIA front that provided cover for the anti-Fidel Castro activities of Lee Harvey Oswald, Clay Shaw, and David Ferrie, among others. The New Orleans FPCC office was located at 544 Camp Street and shared the same building entrance with Guy Banister Associates, Inc., a private detective agency, the address for which was 531 Lafayette Street and around the corner from 544 Camp Street.
In December 1963, after the assassination of President John F. Kennedy, the FPCC ceased all U.S. operations.
General Electric Company. [CIA partner]. Based in Fairfield, Connecticut, provided corporate cover for CIA officers operating abroad.
General Foods Corporation. [CIA partner]. Advertising account at CIAâs Robert Mullen Company handled by an active CIA employee.
Google, Inc. [CIA partner]. Developed as a result of a research grant by the CIA and Pentagon to Stanford Universityâs Department of Computer Science. The CIA referred to the research as the âgoogle project.â
Greenberg Traurig. [CIA partner]. Washington, DC âconnectedâ law firm.
Guy Banister Associates, Inc. [CIA partner]. New Orleans private detective agency headed by former FBI agent Guy Banister. The detective agency coordinated the activities of various anti-Castro Cuban groups in New Orleans, including Banisterâs own Anti-Communist League of the Caribbean, as well as the Cuban Revolutionary Council, the Cuban Democratic Revolutionary Front, Friends of Democratic Cuba, and the Crusade to Free Cuba Committee.
Banister and Associates shared office space with the CIAâs New Orleans front, the Fair Play for Cuba Committee, headed by Lee Harvey Oswald.
Hale and Dorr. [CIA partner]. Boston-based law firm that provided cover for CIAâs Independence and Brown Foundations.
Halliburton. [CIA contractor]. Based in Houston, it is the worldâs largest oil service company. Recipient of a number of CIA sole-source contracts for services worldwide.
Harper and Row, Inc. [CIA partner]. Manuscripts submitted to the New York publisher that dealt with intelligence matters, particularly CIA operations, were turned over to the CIA for censoring edits before publication.
Hewlett Packard Corporation. [CIA partner]. Sold computers to Iraq for Saddam Husseinâs missile program with the knowledge and approval of the CIA.
Hill & Knowlton. [CIA partner]. Public relations firm that teamed with the CIA on a number of operations. Hill & Knowltonâs numerous offices abroad provided cover for CIA agents. One known Hill & Knowlton office that was a CIA front operation was in Kuala Lumpur.
Kerr-McGee. [CIA partner]. Provided corporate cover for CIA officers operating overseas.
Kissinger Associates, Inc. [CIA partner]. New York-based international consulting firm founded by former Secretary of State and National Security Adviser Henry Kissinger. Former National Security Adviser Brent Scowcroft is a co-owner. The firm provided support to the CIA-linked American Ditchley Foundation and the Bilderberg Group. Much of the 1982 seed money for Kissinger Associates was provided by Goldman Sachs.
Knight Foundation. [CIA partner]. Also known as the John S. and James L. Knight Foundation. Based in Miami, the foundation provides funding for various CIA-connected media operations in the United States and around the world.
Kroll Inc. [CIA partner]. Founded in 1972 by Jules Kroll, who had links to both U.S. and Israeli intelligence. Based in Manhattan. French domestic law enforcement believed Krollâs Paris office was a CIA front. Kroll handled the security for the World Trade Center after the 1993 terrorist bombing and continued to be responsible for security up to, during, and after the September 11, 2001 terrorist attack. Kroll employed former FBI assistant director for counter-terrorism John OâNeill, who died in the collapse of the World Trade Center.
Lincoln Savings and Loan. [CIA partner]. Based in Irvine, California and headed by notorious swindler Charles Keating, Jr., involved in laundering funds for the Iran-contra scandal.
Lone Star Cement Corporation. [CIA partner]. Based in Stamford, Connecticut and linked to the Bush family, provided corporate cover for CIA officers operating abroad. Involved in the Iran-contra scandal.
Mary Carter Paint Company. [CIA front]. A money-laundering operation for the CIA. Involved in casinos in the Bahamas.
Monsanto. [CIA partner]. The firm contracted with former CIA official Cofer Blackâs Total Intelligence Solutions (TIS), a subsidiary of the CIA-connected Blackwater USA, later Xe Services, to monitor animal rights groups, anti-genetically modified (GM) food activists, and other groups opposed to Monsantoâs agri-business operations worldwide.
National Enquirer. [CIA partner]. The tabloidâs founder, Generoso (Gene) Pope, Jr., worked for the CIAâs psychological warfare unit and the agencyâs Italy branch in 1950. In 1952, Pope acquired The New York Enquirer broadsheet and transformed it into a tabloid, renaming it The National Enquirer. This transformation bore the imprimatur of the CIAâs Operation MOCKINGBIRD media influence program.
Newsweek. [CIA partner]. Magazine reporters and stringers fed information to the CIA. Newsweekâs stringers in southeastern Europe and the Far East were CIA agents. When Newsweek was bought by The Washington Post Company in 1961, cooperation between the magazine and the CIA increased. It was a participant in the CIAâs Operation MOCKINGBIRD media influence program. Much of the staff of Newsweek was absorbed into a new online publication, The Daily Beast, which continues to disseminate CIA-influenced articles. See Washington Post.
Nieman Foundation. [CIA partner]. Located at Harvard University, the foundation awarded Nieman Fellowships, some on behalf of the CIA, for foreign journalists to study at Harvard. The journalists were subjected to CIA recruitment efforts prior to their returning to their home countries.
Pamela Martin & Associates. [CIA partner], Escort firm run by Deborah Jeane Palfrey, the so-called âDC Madam.â During her 2008 trial for mail fraud, Palfrey attempted to invoke the Classified Information Procedures Act in order to discuss her relationship with the CIA. The U.S. Court refused Palfreyâs request and she was convicted and later said to have committed suicide before her sentencing hearing in Washington, DC. One of her clients was Randall Tobias, the head of the CIA-connected USAID. Another was Louisiana Republican senator David Vitter.
Paris Review. [CIA front]. Literary magazine edited by George Plimpton. Published works by Jack Kerouac and Samuel Beckett. The magazineâs co-founder, Peter Matthiessen, relied on his affiliation with the magazine as his CIA cover.
Quaker Oats Company. [CIA partner]. Worked with the CIA and Atomic Energy Commission to place trace amounts of radiation in breakfast cereal served to boys at the Fernald School for the mentally retarded in Waltham, Massachusetts.
Radio Corporation of America. [CIA partner]. Provided corporate cover for CIA officers operating abroad, particularly in Iran, Philippines, Japan, and West Germany. Provided technical assistance to CIA-financed clandestine and propaganda radio stations worldwide, including Radio Free Europe. RCA founder David Sarnoff was a major supporter of CIA operations, including propaganda dissemination around the world. RCA chairman and chief executive officer Thornton F. Bradshaw was active in the operations of the CIA-linked American Ditchley Foundation.
Reily Coffee Company. [CIA partner]. Also known as William B. Reily Coffee Company and based in New Orleans, this company employed Lee Harvey Oswald and a number of other U.S. government employees, many of whom were suspected CIA officers.
Robert M. Mullen Company. [CIA proprietary]. A Washington, DC public relations firm, it was used as a front for CIA activities. E. Howard Hunt, the CIA agent, worked for Robert Mullen when he was arrested in the break-in of the Democratic National Committee headquarters at the Watergate Hotel in Washington in 1972. The Senate Watergate Committee reported that âthe Mullen and Company has maintained a relationship with the Central Intelligence Agency since its incorporation in 1959. It provided covers for agents in Europe (Stockholm), Latin America (Mexico City), and the Far East (Singapore) at the time of the Watergate break-in.â
Rockefeller Foundation. [CIA partner]. Used by the CIA to direct scholarships and grants to the Third World and Eastern Europe. Rockefeller Foundation money was funneled to the American Committee for a United Europe (ACUE), created in 1948. The chairman of ACUE was OSS chief William J. Donovan and the vice chairman was Allen Dulles. One of ACUEâs board members was Walter Bedell Smith, the first CIA director.
Summa Corporation. [CIA partner]. Owned by Howard Hughes, Summa is believed to have skimmed gambling profits from the Sands, Desert Inn, Frontier, Silver Slipper, Castaways, and Landmark casinos in Las Vegas and Haroldâs Club in Reno for the CIA and the Mafia. Provided financial cover for the CIAâs Glomar Explorer project.
Teneo Intelligence. [CIA partner]. Branch of Teneo Holdings, which is headquartered in New York. Teneo Holdingsâs intelligence branch includes former CIA officials. Teneo is closely linked to former President Bill Clinton and Hillary Clinton. Teneo Intelligence has offices in New York, London, Rome, Brussels, Dubai, Bogota, New Delhi, and Tokyo.
Texas Commerce Bank (TCB). [CIA partner]. Houston-based bank founded by the family of James Baker III. Texas Commerce Bank was used to provide commercial cover for CIA agents. After serving as vice president for Texas Commerce Bank in Caracas from 1977 to 1979, Jeb Bush joined his fatherâs presidential campaign in 1980. Serving with Bush on the campaign was Robert Gambino, the CIA deputy director of security who gave Bush his orientation brief at Langley in 1977.
Kenneth Lay, the chairman of Enron, which had its own links to the CIA, served on the board of Texas Commerce Bank. Texas Commerce Bank was acquired by Chemical Bank in 1987.
The bank provided major loans to Howard Hughesâs Summa Corporation. See Summa Corporation.
United Fruit Company [CIA partner]. Involved in 1954 CIA overthrow of Jacobo Arbenz government in Guatemala. Published the Latin America Report, a publication that was a CIA front used for clandestine activities. The CIA transferred weapons to United Fruit employees in Guatemala who were involved in undermining the Arbenz government. The joint CIA-United Fruit plan was code named OPERATION FORTUNE. Company provided an airfield in Guatemala for the CIAâs training of Cuban exiles for the Bay of Pigs invasion of Cuba.
U.S. Rubber Company. [CIA partner]. Headquartered in Naugatuck, Connecticut and later called Uniroyal, provided corporate cover to CIA officers operating abroad. Included those operating under the cover of the Dominion Rubber Company of Canada, a subsidiary of U.S. Rubber Company.
U.S. Youth Council (USYC). [CIA front]. Founded in 1945 and based in New York. Some 90 percent of its funds came from the CIA. USYC received funding from the Foundation for Youth and Student Affairs (FYSA), a CIA front. The USYC was composed of American Youth Hostels, Camp Fire Girls, 4-H, American Unitarian Youth, National Catholic Welfare Conference, National Students Assembly, YMCA and YWCA.
Wackenhut. [CIA contractor]. Wackenhut, a Palm Beach Gardens, Florida-based security firm, stood accused of providing the CIA with specialized services around the world, including Chile, Greece, and El Salvador. Its Venezuelan branch, Wackenhut Venezolana, C.A., was accused in 2002 of involvement in the CIAâs coup against President Hugo Chavez. William Casey served as Wackenhutâs outside counsel before becoming CIA director in 1981.
Wackenhut eventually merged into the global security firm G4S.
Washington Post. [CIA partner]. The Washington Post was part of the CIAâs Operation MOCKINGBIRD, the agencyâs media influence project. Post publisher Phil Graham was a close friend and associate of MOCKINGBIRD chief Frank Wisner, Sr. and CIA director Allen Dulles. Wisner assisted Graham in acquiring The Washington Times-Herald and WTOP radio, creating a sizable CIA-influenced media operation in the nationâs capital.
W. R. Grace. [CIA partner]. Provided corporate cover to CIA officers operating abroad, particularly in Latin America. Provided donations to CIA front foundations.
Ni kira post pertama sebagai Puan lah ye.. eh kire post kedua la. sebab post ni duk dalam draft. Wanie post pasal citer gigi bongsu tu dulu... hahaha poyo naww!! Banyak kali dah nak post macam-macam kat blog, tapi ada jeeee alasan-alasan malasnye. Kihkihkih~
So.... apa yang berbeza lepas kahwin?
Takde beza apa pun... sebab sebelum kahwin pun, wanie dengan husband (ecewah!) memang berjumpa after work pergi makan, lepas tu balik rumah masing-masing. Weekend, kalau wanie tak kerja, kitorang hang out dengan kawan-kawan takpun layan movie je. After married, lebih kurang sama je rutin. Cuma, kitorang banyak makan di rumah sebab nak berjimat (yang dah kahwin, tahu laaa account bank korang macam mana ghuper bentuk "O" nye kan... hahahahaha) . Selalunya, wanie dengan husband gilir-gilir masak, tapi... nampak gayanya macam husband yang kerap masuk dapur lagi sebab dia tak suka kemas rumah, basuh sidai lipat kain ni.. hahahahah~
Sebulan dua lepas kahwin ni, memang kitorang hidup berjimat cermat weh. Meh nak promote sikit! Yang mana yang sibuk kerja, yang "alahaiii malasnyaaa nak siang cuci ikan segalaaaa" , yang macam wanie kalau nampak isi perut ikan rasa nak pitam (ahahahaha..) , tak payah nak pening-pening kepala chu olz! Korang order terus dengan Barang Dapur Basahatau korang Whatsapp je www.wasap.my/60193247061! Sebulan atau 2 bulan sekali, sini lah "pasar online" wanie shopping. Tak payah nak pening-pening kepala, nak letih badan... harga pun berpatutan. Pakej bawah ni antara pakej yang wanie dengan husband prefer. Tahan untuk sebulan ke sebulan lebih kami berdua...
Macam wanie punya style, wanie bayar guna online banking je. Lepas tu kat luar rumah, wanie dah ada macam cakuk yang wanie sangkut kat pintu rumah. Katakanlah wanie tak balik rumah lagi ke, takpe... senang. Runner yang datang hantar tu biasanya dorang akan call yang dorang dah sampai / nak hantar ke rumah. Wanie just inform je suruh sangkut kat cakuk tu. Bila balik rumah, terus bawak masuk dalam rumah, atau lebih tepat, masuk freezer terus!
So, wanie dengan husband ke Jaya Grocer atau pasar malam, beli bawang-bawang, sayur-sayur, buah-buah... macam tu je lah.
Sekarang kan bulan puasa. Pakej-pakej yang disediakan lagi mengancam kawww!! Tapi dah nama pun hidup berdua laki bini, dua-dua kerja, masak pun ala kadar / bila rajin. Mujur cik abe jenis tak lorat / kisah sangat. Sebab sebelum kahwin dah pernah cakap, kalau nak komplen jarang masak ke apa, izinkan saya menjadi fulltime housewife TAPI jangan tarik muka kalau bini ajak masuk Sephora. Hahahaa~ sebab kalau barang-barang makeup ni wanie prefer beli pakai duit sendiri. Tak tau kenapa, benda lain ok je.
Dah melalut pula... ok lah chu olz! Nak rest-rest jap... baru lepas keluarkan daging. Hari ni off day, so time ni la nak masak, kemas rumah, lipat sidai kain 2 3 bakul kan.. hehe.. petang ni nak masak favourite dish cik abam kite, daging masak asam and pajeri nenas. Nak jimatkan duit.. takyah gi bazaar Ramadan sangat. Semua benda ko nak beli.. ahahahahah~ kbai!
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PROSES MEMBELI RUMAH DARI DEVELOPER YANG WAJIB DIKETAHUI
Ilustrasi Membeli Rumah dari Developer. Sumber : ini
CALON PEMBELI WAJIB TAHU PROSES MEMBELI RUMAH DARI DEVELOPER
Membeli rumah dari developer / pengembang merupakan salah satu cara yang banyak digunakan orang untuk memiliki rumah. Cara ini banyak ditempuh, terutama oleh emreka yang tinggal di kawasan perkotaan, sebab harga tanah di perkotaan sudah sangat tinggi, sehingga menjadi tidak mudah jika membangun rumah sendiri.
Membeli rumah melalui developer akan memberikan banyak kemudahan, diantaranya :
Kawasan yang sudah jadi, artinya developer menyediakan lokasi perumahan yang tertata dan dilengkapi fasilitas umum serta khusus.
Tidak perlu repot mengurusi proses pembangunan rumah, dari membuat desain, menyusun RAB, hingga mengawasi pembangunan rumah.
Tersedianya fasilitas kerjasama KPR (Kredit Pemilikan Rumah) dengan bank.
Namun calon pembeli rumah wajib tahu mengenai Tahapan Proses Membeli Rumah dari Developer.
Beli Rumah Kok Cuma Dikasih Gambar !!
Pernah mendengar istilah âbeli rumah dari developer itu beli gambarâ ?Istilah itu maksudnya adalah: saat kita membeli rumah di developer,rumahnya secara fisik belum ada.Kita hanya tahu seperti apa rumah dan perumahan itu nantinya kalau sudah jadi, melalui gambar dan maket yang dibuat oleh developer.Kenapa begitu ? Sebab developer membutuhkan dana kucuran dari KPR untuk membangun rumah yang kita pesan.
Dan berikut ini proses yang lazim dilalui jika kita membeli rumah dari developer.
9 TAHAPAN PROSES MEMBELI RUMAH DARI DEVELOPER
Secara umum, proses pembelian rumah dari developer menggunakan skema KPR atergambar dari flowchart berikut ini:
Flowchart Proses Membeli Rumah dari Developer
PENJELASAN SINGKAT MENGENAI PROSES MEMBELI RUMAH DARI DEVELOPER
Penjelasan singkat mengenai flowchart di atas adalah sebagai berikut :
Tahapan 1Memilih Rumah dari Developer Terpercaya
Tahapan 2 Membayar Booking Fee untuk memesan rumah.
Tahapan 3 Mengajukan KPR dan mendapatkan persetujuan kredit dari bank. Tanpa KPR (Kredit Pemilikan Rumah), rumah tidak bisa mulai dibangun oleh developer. Jika pembelian dilakukan secara tunai, proses ini tidak diperlukan.
Tahapan 4 Menandatangani Perjanjian Jual Beli (PPJB) dengan developer. PPJB ini penting untuk dibaca karena didalamnya termuat klausul mengenai janji developer soal kapan rumah jadi, proses balik nama sertifikat dan lain- lain. Sampai disini status rumah masih PPJB.
Tahapan 5 Rumah selesai. Biasanya setelah 6 bulan s/d 1 tahun, tapi ada juga yang lebih dari 1 tahun, misalnya jika perumahan yang dikerjakan skala besar, dan unit yang dibangun banyak.Setelah proses pembangunan rumah rampung, rumah siap ditempati.
Tahapan 6 Proses pemecahan sertifikat HGB developer yang dilakukan setelah rumah jadi. Pemecahan harus dilakukan terlebih dahulu supaya sertifikat bisa dibalik nama ke pembeli
Tahapan 7 Dilakukan Akta Jual Beli (AJB) dengan notaris.
Tahapan 8 Balik nama sertifikat HGB developer ke pembeli.
Tahapan 9 Meningkatkan status menjadi Sertfikat Hak Milik (SHM)
Demikian artikel PROSES MEMBELI RUMAH DARI DEVELOPER YANG WAJIB DIKETAHUI, semoga artikel singkat ini membantu Anda.
Zeitmanagement heiÃt, dauernd die richtigen und wichtigen Dinge zu tun. Dazu braucht es eine gehÃ¶rige Portion Motivation.
Ein Mann, der das in seinem Alltag lebt, ist John Cioffi. Ich habe John im Sportstudio kennengelernt und schnell erfahren, dass er sehr zielorientiert lebt â nicht weil er muss, sondern weil er will.
Wie er sich motiviert, wie er am Ball bleibt und wieso er trotz Familie, Job bei einer Bank und einem einstÃ¼ndigen Arbeitsweg noch tÃ¤glich (auÃer am Wochenende) zwei Stunden Sport treibt, wollte ich von ihm wissen.
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In meinem Podcast âeinfach produktivâ geht es jede Woche darum, Ihr Zeitmanagement zu verbessern. Sie kÃ¶nnen meinen Podcast abonnieren. Sobald eine neue Folge erscheint, erhalten Sie sie so automatisch:
Was passiert eigentlich, wenn Ihnen etwas zustÃ¶Ãt? Was ist, wenn Ihnen etwas passiert und Sie sind nicht mehr da? Finden Ihre AngehÃ¶rigen dann die relevanten Daten und digitalen Dokumente?
Das sind keine einfachen und schon gar keine angenehmen Fragen. Doch auch Sie sollten sie sich stellen. Denn diese Fragen betreffen nicht nur Unternehmer und SelbststÃ¤ndige, sondern uns alle.
Hier sind meine Gedanken zu dieser Situation und was Sie tun kÃ¶nnen.
So erstellen Sie einen Notfallplan
In der Folge stelle ich ein paar Fragen, die Ihnen helfen, einen Notfallplan zu erstellen:
Wie lautet das Passwort fÃ¼r Ihren Computer?
Wie lautet das Passwort fÃ¼r Ihr Mobiltelefon (inkl. PIN und PUK)?
Wo befinden sich die weiteren PasswÃ¶rter?
Wie ist die Logik bei der Verzeichnisstruktur?
Welche Daten/Dateien sind besonders wichtig?
Welche Bankkonti gibt es?
Wie lauten die PIN-Codes fÃ¼r die Bankkarten?
Wie kann man sich fÃ¼r das E-Banking anmelden?
Welche VertrÃ¤ge haben Sie zu erfÃ¼llen bzw. mÃ¼ssten gekÃ¼ndigt werden?
Welche Webseiten haben Sie und wo sind sie gehostet?
Wo befinden sich die (Kunden)Adressen?
Wo sind Ihre Termine?
Wo haben Sie Ihre Fotos gespeichert?
Wie lauten die PasswÃ¶rter fÃ¼r Ihre E-Mail-Accounts?
Wie kann man Mails automatisch weiterleiten oder eventuell eine automatische Antwort einrichten?
Wie kann man eine Nachricht auf Ihre Webseite setzen und wie soll sie lauten?
Wie soll mit den sozialen Netzwerken umgegangen werden (Facebook, Twitter, Google Plus, Xing, LinkedIn usw.)? Sollen die Profile einfach gelÃ¶scht werden?
Hat Ihnen diese Folge gefallen?Â Dann empfehlen Sie den Podcast doch weiter. Damit unterstÃ¼tzen Sie gleichzeitig mich und meine Arbeit.
Besonders hilfreich sind positive Bewertungen bei iTunes. Klicken Sie gleich weiter unten auf den iTunes-Link und schenken Sie mir ein paar Sterne. Vielen Dank!
Den Podcast abonnieren
In meinem Podcast âeinfach produktivâ geht es jede Woche darum, Ihr Zeitmanagement zu verbessern. Sie kÃ¶nnen meinen Podcast abonnieren. Sobald eine neue Folge erscheint, erhalten Sie sie so automatisch:
have you looked into everbank.com's icelandic CD? it pay ~10%
EverBank offers a 13.10% APY 3-Month Icelandic krona CD. The yield looks very attractive so I did some research on this CD. The CD is FDIC-insured. And the reason why the yield is so high is because Iceland is combating inflation and the banks are offering high-yield CDs to combat inflation. So what's the big catch on this CD? I found out that you can lose on principal in the CD, because the krona currency fluctuates. Also, there's a exchange rate fee. The conversion fee is three quarters of a percent (0.0075%) for CDs less than $100,000.
The way it works is that your US Dollars get converted to Icelandic kronas and then at maturity if you decide to withdraw, the kronas will be converted back to US Dollars. The exchange rate then could be different from the start of the CD.
Does any one has experience with Icelandic CDs? Do you think it is low risk? Are they are other catches I am missing?
I love reading up on financial news and learning more about personal finance. And I like helping people as well. Sometimes, I give advice to my family and friends. Although they would listen for the most part, they almost never act on what I tell them to do. It's interesting that despite my honest advice to help them, they would push awayeverything I say. They would always have some kind of doubt or excuse.
Recently my friend is running low on money. He's a real estate agent and he hasn't closed any deals lately. Since I know a few extra bucks would help him, I told him about signing up for credit cards or bank accounts with cash bonus. Or he can play the 0% balance transfer. He thinks it's too much hassle.
I have spoken to several friends in the past two years about contributing to retirement accounts, such as 401k and IRA accounts. They give me the usual answer, "I have no money." I tell them the importance of saving up for retirement. Moreover, I provide them with important financial messages - pay off debt, have emergency money, save up for retirement, invest, etc. They don't seem interested and don't listen. Yet they like to complain about not having money.
Sometimes I feel that they don't want financial advice -- they want MONEY. What they want me to do is not to teach them how to make money, but to hand them cash. Everybody wants to be a millionaire but nobody wants to work for it anymore. It's all about get rich quick.
They tell me they don't have time, and it's not worth making a few extra hundred bucks. If you have a lot of money, I would understand, but if you need money and have the opportunity to do it, why not?
It's hard to teach family as well. They don't seem interested in learning. I tell them to start ROTH IRAs because it really helps if you have low income, the government even give you tax benefits if you qualify. But they say they rather have the money now.
While I'm no certified professional, I know my advice can help my friends and family. They just don't see it. Perhaps they need to learn their own way. I just thought maybe I can give them a shortcut, but sometimes people need to learn the hard way.
I figure I'll save my energy on going out of my way to help people. People just don't appreciate. Instead, I'll focus on those who wants my help.
It's a lose-lose situation if they don't appreciate your advice. Because if they miss the opportunity, they would blame you. If they execute your advice improperly and the results come out bad, they would blame you.
The moral of the story is never give unsolicited advice.
Today, a sermon at First Baptist Church of the City of Washington DC mentioned a charity called âFirst Bookâ.
I visited the site, which asked for a donation before it would say much else about itself. But I did do a $25 contribution (I prefer to consolidate contributions through one portal at a bank).
The charity seems to work with the American Federation of Teachers and the Hillsborough Classroom Teachers Association of Tampa, FL (and others), as it explains it a recent blog post.
I would appear that the focus is specifically on childrenâs books, which I normally donât cover much (but I have covered some self-published young adult books on a newer Wordpress blog).
But this is another example of a renewed interest in physical books (as opposed to e-books) to get young people into reading. My own output doesnât normally comport much with childrenâs (below, say, AP high school).
While we've all noticed some of the extreme and historic changes to the Commitment of Traders report over the past two months, the once/month Bank Participation Report belies the fact that nothing has yet changed. Whenever price rallies, The Banks are still quick to take the short side of the trade.
Your stomach is turning over and over as you realize you cannot pay the minimum payments, much less pay the cards off.
Settlement debt negotiations can eliminate credit card debt.
For fear of the calls, letters, etc. from collectors, debtors usually do not think of just not paying their credit cards . They also have been told that their credit will be ruined with credit scores permanently impacted.
What the credit card companies don't tell you is that they would rather settle with you for a few more pennies on the dollar than sell the credit card loan to a debt collector. You see selling to a debt collector allows the investor who bought the debt to make money, not the credit card company or bank.
Settlement debt negotiation to pay off credit cards makes the bank or credit card company more money than their other alternatives.
Most debtors will default on the debt and go bankrupt so none of them, bank or debt collector, make any money. So the window opens for settlement debt negotiation.
To obtain more money from the debtor, it may even be possible to get the debt acknowledged to a credit reporting agency as paid as agreed or settled and not the notation of charged off.
Most people are not aware that banks and other regulated lenders must charge off a retail loan, like credit cards, when it becomes 180 days past due. Now that does not mean that the credit card loan is not still owed by the debtor but it means that the loan has become almost worthless to the bank.
Banks normally sell the credit card loans to a collection agency. Collection agencies drive a hard bargain and buy the credit cards balances for pennies on the dollar.
Knowledge of these rights can be both powerful and profitable for you as the debtor. There are other alternatives that you should learn more about if you are faced with not being able to pay your debts. James (Jim) Montgomery, recognized as a Texas SuperLawyer, explores how bankruptcy and chapter 13 plans can result in paying off credit card debt through debt settlement negotiation in his blog. His paper, "3 Ways To Stop Creditors In Their Tracks can be downloaded for free.
It was a warm sunny late September afternoon when I pulled into the Canadian Border Customs in Lewiston several weeks ago in route to Port Loring, Ontario where I hoped to shoot my seventh black bear. Little did I know then that this would be the last ray of sunshine I would see for the next 5 days. Having my gun registration paper work completed prior to my arrival helped to expedite the process; however when I opened my gun case and the Canadian officer saw my new fully camouflaged Remington R-25 .308 caliber modular repeating rifle, he was quite impressed as were several of his fellow officers who also came over to look. Once across the border I knew that I would not reach Port Loring until the wee hours of the night and decided to drive until about 9 p.m. and find a motel to spend the night; which I did in Trey, Ontario. And by mid-morning the next day I was knocking on Hermann and Lise Stroeherâs door. It was really good to see them again since my last visit 4 or 5 years ago and they were as warm and friendly as ever. But Hermann was all business and told me we can talk later and to follow him to where I would be staying. He wanted me to get unpacked and back to his house by 1:30 p.m. so I would be in my treestand by 2:30 p.m. I could feel the adrenaline already starting to boil just thinking about the hunt. My accommodations this year were at Wright Point Resort, a beautiful spot on the banks of the Pigeon Lake which is actually is part of the Pickerel River system; and it is loaded with small and largemouth bass, northern pike and walleye(they call them pickerel). The owners, Dianne and Dan Feasby, had set me up in one of their 4 motel rooms which, like their 7 lake-side cottages were fully furnished with all modern appliances, dishes, pans, etc. and they had boats and motor rentals right there. What a place to spend a weekâs vacation, fishing and/or hunting. And if you are a snowmobiler, they showed me an Ontario trail map with thousands of miles of snowmobile trails. Unfortunately I only got to fish the lake for about two hours; in which time I caught and released 31 nice bass. The majority were smallies, the largest measuring 20 inches and two of the largemouth were over 3 pounds. All were taken on a Stick-O-Worm rigged wacky style. I did leave the rest of these worms with Dan and one of his campers. The hospitality here was outstanding and if you would like to see more go to their web site at, wrightpointresort.com.DAY 1At 1:30 p.m. I was following Hermann in my truck headed to my treestand site and I was anxious. It was a long ride, approximately 25 miles on a paved road and another 6 miles into the bush on a dirt road where I parked my truck and Hermann walked me in on a small trail to the site got me settled, then headed back to camp. There were dark clouds beginning to roll in but I was hoping the rain would hold off until dark. It didnât.Perhaps and hour or so after I climbed into the stand I heard thunder in the distance behind me; but it sounded like it was going away from me. It wasnât. The rains came first but I was ready for that and quickly slipped into my rain suit and used another light rain jacket to cover my gun. The winds followed shortly and I found out later that they were upward of 40; which at times felt like I was on the high seas. Within 45 minutes of the start of the rain the thunder began, and with it the lightning. Now my choices were climb out of the stand and go sit in the truck until it passed and then sneak back in, which would probably ruin the hunt. So I chose the second option of staying in the tree. An hour or so later the thunder and lighting did stop, but the heavy rain and high winds didnât. And at 7:50 p.m., the end of legal shooting time, I climbed down from the stand and sloshed my way back to the truck. Did not see a bear.Back at camp no one else had seen a bear either and Hermann said that the combination of the heavy rain, high winds and thunder and lightning makes them very nervous. All we could do is go back out again the next morning.DAY 2I was in my stand an hour before sunup and when I looked through my scope I could see that the bait had not been touched; so there was still a chance that the bear would come in this morning. Forgot to mention it was still raining and the wind was about 20-25 mph. At 10:30 a.m. I climbed down and headed back to camp. After breakfast and a short nap I was sitting in the stand in full rain gear hoping that tonight was the night. The rain continued along with the heavy winds all evening and once again there were no bear visits. But I did have 4 grouse cooing around under my stand for about an hour. The grouse season was open but the .308 was a little overkill for grouse hunting.DAY 3After another morning of rain, wind and no bear I met up with Hermann who suggested that after breakfast I join him on his morning baiting trips and we could check the activity at several of the sites, and I could pick the one I liked for the afternoon hunt. We visited 5 sites, all of which were hit since the last time he checked them. The site that I choose had plenty of activity signs but the real draw for me was the timber wolf tracks I saw in the mud on the way in that got me excited. Only once, years ago while sitting in a treestand at Hermannâs, I had a timber wolf appear about 150 yards from me. I did get to look at him through my binoculars but he quickly disappeared.That evening the rain continued and it was then that I realized the value of good equipment. Other than my hands and face the only thing that got a little wet and cold during these long sits in the nasty weather was my nose. The camouflaged Red Head Squaltex Bone Dry rain gear totally protected my body from the rain and the wind and the Burris Full Field II, in all this nasty rain, never once fogged up on me. Actually I did get a bit wet the next day when climbing down from my stand in the morning I caught my jacket on a nail and ripped a big chuck out of it. As for the bear this particular evening; nothing came it.DAY 4The final day, my last chance. The morning hunt went too quickly and the rain did stop for an hour or so and, the sun did shine for perhaps an hour. But there were no bears. It was going down to the wire again.That afternoon I was in the stand earlier than usual but knew this was it; because tomorrow I was heading home. The weather was actually fairly pleasant; for awhile. Then about 3 p.m. the winds began followed by the rain, and with each hour both increased and by 6 p.m. things were back to normal; heavy rains and gusting winds that were causing my treestand to move a good six inches from side to side. I must have looked at my watch at least a dozen times; and time was running out. I remember checking my watch at it 7:35 p.m. and saying to myself, just 10 more minutes of legal shooting time left; it looks like it is over. But when I looked up there he was coming in, 70 yards away in the opening. Quickly I shouldered the gun and put the crosshair on the bearâs shoulder and clicked off the safety. My only problem now was that the 40 plus mph wind was again rocking the stand side to side. It seemed like forever that I held the horizontal crosshair of the scope on target just waiting for the wind to stop. And when it did I set the crosshairs on its shoulder and tapped the R-25 trigger and the Remington 150 grain Ultra Bonded PSP put him down.To say I was relieved and excited would be an understatement as I scrambled down the steps and trotted to the bear. A tap on his nose with the rifle barrel told me what I already knew; it was over. Quickly I unloaded my rifle, put it in its case, which is required when leaving the woods after legal shooting time in Canada, and quickly headed to my truck to go get Hermann. He was as happy as I was about the news and he had already put the ATV on the back of his pickup; and we headed back to get my bear. Once again I watched Hermannâs skill with the Outdoor Edge cutlery(Kodi-Pak) I had given him years ago. But the fun really began when we had to drag the bear about 20 yards over a number of brush piles and stumps to the ATV. Two old men pulling on a bear would have made a great photo, but we got it there and loaded on the back of the ATV. And yes, it was still raining and windy; but I really did not care. This was another great hunt with some very special old and new friends; and I have to rate it as my most memorable bear hunt. If you would like to see more photos of the bear you can go to, fishguydblog.blogspot.com/
We are selling 3 year old General Trading License. The license is completely cleared from Central Bank, Dubai Economic Department, and Labor Immigration Department. No Visas Issued No Labor Visa Issu...
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The Royal Casino is the spot to play your favorite house-banked table games this month. We have lots of opportunities for guests to win extra cash in special cash prize promotions and giveaways... Itâs your last chance to get in on our 50 Ways to Win $500,000 Cash Giveaway! Our final giveaways are tomorrow, April 11th and Saturday, April 15th Continue Reading
The $600 million Interface Security Systems deal has sentâas The Beach Boys once sangââgood vibrationsâ throughout the security industry, as it provides not only a vote of confidence for what Interface is doing as a modern systems integration company, but also a vote of confidence in the security industry, in general, as companies like Interface represent a new breed of integrator that is staying at the forefront of new technology and innovation.
John E. Mack III, executive vice president, co-head of investment banking and mergers & acquisitions at Imperial Capital, which acted as financial advisor to Interface on the deal, astutely pointed out that this deal goes beyond validation of what Interface is doing in the space.
âThis is a very cool story for the sophisticated new-age security provider, which is what Interface isâthe 2.0 version of what the right kind of security player should be,â he told Security Systems News. âWe spend so much time in this industry talking about the residential side of the business, which is interesting, but there is a massive opportunity on the commercial side of the business that Interface is tapping into that I think is a compelling theme.â
He continued, âThere is a lot of validation for a very successful business model here that Prudential is putting up $180 million of new capital, and SunTx is putting up additional capital into the deal. And that youâve got a very attractive set of debt investors, and just the fundamental backing for the business, is a meaningful part of a positive message for the industry.â
Jeff Frye, SVP for Interface, told SSN that the support from equity partners is not only a stamp of approval for what the company is doing, but the âcapital gives us more fuel to build on our current, better than 15 percent compounded annual growth rate, so we know that we can do more with a little more gas in the tank and we are anxious to prove it.â
Frye noted that the equity will allow the company to expand its products and services around providing business intelligence, as security is becoming so much more than just, well, security.
âAs a network provider, and a managed services provider of network services and cybersecurity services, we touch a lot of aspects of our customersâ businesses,â Frye explained. âAnd as a leading purveyor of Internet of Things services, we are able to aggregate intelligence from all of those sensors and data sources to bring actionable insights to a customerâs business. There are some new verticals that we would like to focus on more, including financial services and banking, so this makes that horizon much brighter and much more approachable.â
And it also makes the security industryâs horizon a little brighter.
A detailed and current collection of Las Vegas maps, and information about buffets, banks, restaurants, strip clubs, bus routes, convention centers, monorail route, taxis and shuttles. Includes gaming and non-gaming hotels. Useful for driving or walking on the Las Vegas Strip.
- CaÅy czas sprzedajÄ siÄ tzw. artykuÅy ciÄÅ¼kie, czyli wody, mleka, czyli rzeczy, ktÃ³re zajmujÄ zarÃ³wno duÅ¼o miejsca, jak i przede wszystkim sÄ ciÄÅ¼kie w doniesieniu do domu. Ciekawe jest to, Å¼e wzrasta sprzedaÅ¼ artykuÅÃ³w ÅwieÅ¼ych, owocÃ³w, warzyw. NiektÃ³re sklepy podajÄ , Å¼e nawet w 75 proc. koszykÃ³w znajdujÄ siÄ produkty ÅwieÅ¼e âÂ mÃ³wiÂ Kinga Szewczyk z Brandbank Polska w Polskim Radiu.
- Jakkolwiek jeÅli chodzi o sklepy tradycyjne za dostosowanie siÄ do RozporzÄ dzenia Parlamentu Europejskiego i Rady UE nr 1169/2011 i dostarczenie do sprzedaÅ¼y produktÃ³w z etykietami zawierajÄ cymi peÅne wymagane informacje sÄ odpowiedzialni producenci, tak w e-commerce ta odpowiedzialnoÅÄ zostaÅa przeniesiona na wÅaÅcicieli sklepÃ³w internetowych - o ile etykieta na sprzedawanym produkcie jest zgodna z wymogami - mÃ³wi serwisowi portalspozywczy.pl, Kamila WroÅska, Country Manager Brandbank Poland Sp. z o. o.
Brandbank, firma zajmujÄ ca siÄ tworzeniem i dystrybucjÄ danych produktowych, wspÃ³Åpracuje z powodzeniem z Tesco przy uruchomieniu sklepu internetowego tesco.pl/ezakupy dla polskich klientÃ³w. UsÅuga oferowana przez Tesco wystartowaÅa w czerwcu.
Mars, producent znanych na caÅym Åwiecie marek takich jak Snickers, Bounty, czy Chappi, nawiÄ zaÅ wspÃ³ÅpracÄ z firmÄ Brandbank, europejskim gigantem w tworzeniu, zarzÄ dzaniu i dystrybucji cyfrowych danych produktowych.
California businessman Steven Zinnel, age 50, thought he could get away with cheating his wife, his two teenage children, and the bankruptcy court, but he was wrong….boy was he wrong! Zinnel and his wife, of Gold River, separated in 1999. By 2001 their uncoupling got even more ugly when he told his wife she would … Continue reading 17 Years in Prison for Divorce Fraud→
Hey, since when are you writing for Elizabeth Banks? How did THAT happen? Your lousy husband has not been forthcoming with information, even when pressed. why do you keep that loser? :)
xoxo to you and Piper!!
Thanks for reading today’s update of Nonko Trading. On June 20, 2015 I published a review of Nonko Trading. My allegations were simple and direct, that Nonko Trading was masquerading as a stock broker for underfunded day traders. That Nonko’s day trading platform, also known as Logix had no exchange connectivity, and was little more than a stock trading video game. Nonko Trading Â was specializing on preying upon the naive and uninformed. Traders desperate to gain 20X leverage on initial deposits were induced into wiring their monies into third world banks with zero transparency, and zero recourse. Once the money
Atribut yang diberikan Islam kepada kita, salah satunya adalah dai ilallah. Kita dituntut untuk merealisasikan dakwah dalam seluruh waktu kehidupan kita. Setiap langkah kita sesungguhnya adalah dakwah kepada Allah, sebab dengan itulah Islam terkabarkan kepada masyarakat. Bukankah dakwah bermakna mengajak manusia merealisasikan ajaran-ajaran Allah dalam kehidupan keseharian? Sudah selayaknya kita sebagai pelaku yang menunaikan pertama kali, sebelum mengajak kepada yang lainnya.
Pernikahan akan bersifat dakwah apabila dilaksanakan sesuai dengan tuntunan Islam di satu sisi, dan menimbang berbagai kemaslahatan dakwah dalam setiap langkahnya, pada sisi yang lain. Dalam memilih jodoh, dipilihkan pasangan hidup yang bernilai optimal bagi dakwah. Dalam menentukan siapa calon jodoh tersebut, dipertimbangkan pula kemaslahatan secara lebih luas.
Selain kriteria umum sebagaimana tuntunan fikih Islam, pertimbangan lainnya adalah : apakah pemilihan jodoh ini memiliki implikasi kemaslahatan yang optimal bagi dakwah, ataukah sekedar mendapatkan kemaslahatan bagi dirinya? mari saya beri contoh berikut. diantara sekian banyak wanita muslimah yang telah memasuki usia siap menikah, mereka berbeda-beda jumlah bilangan usianya yang oleh karena itu berbeda pula tingkat kemendesakan untuk menikah. Beberapa orang bahkan sudah mencapai usia 35 tahun, sebagian yang lain antara 30 hingga 35 tahun, sebagian berusia 25 hingga 30, dan yang lainnya di bawah usia 25 tahun. Mereka semua ini siap menikah, siap menjalankan fungsinya dan peran sebagai isteri dan ibu di rumah tangga. Anda adalah laki-laki muslim yang telah berniat melaksanakan pernikahan. Usia anda 25 tahun. Anda dihadapkan pada realitas bahwa wanita muslimah yang sesuai kriteria fikih Islam untuk anda nikahi ada sekian banyak jumlahnya. Maka siapakah yang lebih anda pilih, dan dengan pertimbangan apa anda memilih dia sebagai calon isteri anda?
Ternyata anda memilih si A, karena ia memiliki kriteria kebaikan agama, cantik, menarik, Pandai, dan usia masih muda, 20 tahun atau bahkan kurang dari itu. Apakah pilihan anda itu salah? Demi Allah, pilihan anda ini tidak salah! anda telah memilih calon isteri dengan benar karena berdasarkan kriteria kebaikan agama, dan memenuhi sunnah kenabian. Bukankah Rasulullah bertanya kepada Jabir ra :
âMengapa tidak menikah dengan seorang gadis yang bisa engkau cumbu dan bisa mencumbuimuâ (Riwayat Bukhari dan Muslim)
Dan inilah jawaban dakwah seorang Jabir ra, âWahai Rasulullah, saya memiliki saudara-saudara perempuan yang berjiwa keras, saya tidak mau membawa yang keras juga kepada mereka. janda ini saya harapkan mampu menyelesaikan permasalahan tersebut.â kata Jabir âbenar katamuâ jawab Nabi saw.
Jabir tidak hanya berfikir untuk kesenangan dirinya sendiri. Ia bisa memilih seorang gadis perawan yang cantik dan muda belia. Namun ia memiliki kepekaan dakwah yang amat tinggi. kemaslahatan menikahi janda tersebut lebih tinggi dalam pandangan Jabir, dibandingkan dengan menikahi gadis perawan.
Nah, apabila semua laki-laki muslim berpikiran dan menentukan calon isterinya harus memiliki kecantikan ideal, berkulit putih, usia 5 tahun lebih muda dari dirinya, maka siapakah yang akan datang melamar para wanita muslimah yang usianya diatas 25 tahun, atau usia diatas 30 tahun atau bahkan diatas usia 35 tahun ?
Siapakah yang akan datang melamar para wanita muslimah yang dari segi fisik tidak cukup alasan untuk dikatakan sebagai cantik menurut ukuran umum? mereka, wanita tadi adalah para muslimah yang melaksanakan ketaatan, mereka adalah wanita shalihah, menjaga kehormatan diri, bahkan mereka aktif terlibat dalam kegiatan dakwah dan sosial. Menurut anda, siapakah yang harus menikahi mereka?
Ah, mengapa pertanyaannya âharusâ ? Dan mengapa pertanyaan ini hanya dibebankan kepada seseorang ? kita bisa saja mengabaikan dan melupakan realitas ini. Jodoh ditangan Allah, kita tidak memiliki hak menentukan segala sesuatu, biarlah Allah memberikan keputusan agungNya. Bukan, bukan dalam konteks itu saya berbicara. Kita memang bisa melupakan mereka, dan tidak peduli dengan orang lain, tapi bukankah Islam tidak menghendaki kita berperilaku demikian?
Kendatipun nabi saw menganjurkan Jabir agar beristeri gadis, kita juga mengetahui bahwa hampir seluruh isteri Rasulullah adalah janda. Kendatipun nabi saw. menyatakan agar Jabir beristeri gadis, pada kenytaannya Jabir telah menikahi janda.
Demikian pula permintaan mahar Ummu Sulaim terhadap laki-laki yang datang melamarnya, Abu Thalhah. Mahar keislaman Abu Thalhah menyebabkan Ummu Sulaim menerima pinangannya. Inilah pilihan dakwah. Inilah pernikahan barakah, membawa maslahat bagi dakwah.
Sebagaimana pula pikiran yang terbersit di benak Saâad bin Rabi saat ia menerima saudaranya seiman, Abdurahman bin Auf. âSaya memiliki dua isteri sedangkan engkau tidak memiliki isteri. Pilihlah seorang diantara mereka yang engkau suka, sebutkan mana yang engkau pilih, akan saya ceraikan dia untuk engkau nikahi. Kalau iddahnya sudah selesai maka nikahilah diaâ (riwayat Bukhari)
Ia tidak memiliki maksud apapun kecuali memikirkan kondisi saudaranya seiman yang belum memiliki istri. Keinginan berbuat baiknya itulah yang sampai memunculkan ide aneh tersebut. Akan tetapi sebagaimana kita ketahui, Abdurrahman bin Auf menolak tawaran itu, dan ia sebagai orang baru di Madinah hanya ingin ditunjukkan jalan ke pasar.
Ini hanya satu contoh saja, bahwa dalam konteks pernikahan, hendaknya dikaitkan dengan proyek besar dakwah Islam. Jika kecantikan gadis harapan anda bernilai 100 poin, tidakkah anda bersedia menurunkan 20 atau 30 poin untuk bisa mendapatkan kebaikan dari segi yang lain? ketika pilihan itu membawa maslahat bagi dakwah, mengapa tidak ditempuh? Jika gadis harapan anda berusia 20 tahun, tidakkan anda bersedia sedikit memberikan toleransi dengan masalahat kepada wanita yang lebih mendesak untuk segera menikah disebabkan desakan usia? Jika anda adalah wanita muda usia, dan ditanya ? dalam konteks pernikahan ? oleh seorang lelaki yang sesuai kriteria harapan anda, mampukah anda mengatakan kepada dia, âsaya memang telah siap menikah, akan tetapi si B sahabat saya, lebih mendesak untuk segera menikahâ.
Atau kita telah sepakat untuk tidak mau melihat realitas itu, karena bukanlah tanggung jawab kita ? Ini urusan masing-masing. Keberuntungan dan keidakberuntungan adalah soal takdir yang tidak berada di tangan kita. Masya Allah, seribu dalil bisa kita gunakan untuk mengabsahkan pikiran individualistik kita. Akan tetapi hendaknya kita ingat pesan kenabian berikut:
âPerumpamaan orang-orang mukmin dalam cinta, kasih sayang dan kelembutan hati mereka adalah seperti satu tubuh. Apabila satu anggota tubuh menderita sakit, terasakanlah sakit tersebut di seluruh tubuh hingga tidak bisa tidur dan panasâ (Riwayat Bukhari dan Muslim)
Bisa jadi kebahagiaan pernikahan kita telah menyakitkan dan mengiris-ngiris hati beberapa orang lain. Setiap saat mereka mendapatkan undangan pernikahan, harus membaca, dan menghadiri dengan perasaan yang sedih, karena jodoh tak kunjung datang, sementara usia terus bertambah, dan kepercayaan diri semakin berkurang. Disinilah perlunya kita berfikir tentang kemaslahatan dakwah dalam proses pernikahan muslim.
Over the last year, I have been working on The Gamma project, which aims
to make data-driven visualizations more trustworthy and to enable large number of people to
build visualizations backed by data. The Gamma makes it possible to create visualizations that
are built on trustworthy primary data sources such as the World Bank
and you can provide your own data source by writing a REST service.
A great piece of feedback that I got when talking about The Gamma is that this is a nice ultimate
goal, but it makes it hard for people to start with The Gamma. If you do not want to use the World
Bank data and you're not a developer to write your own REST service, how do you get started?
To make starting with The Gamma easier, the gallery now has a new four-step getting started page
where you can upload your data as a CSV file or paste it from Excel spreadsheet and create nice
visualizations that let your reader explore other aspects of the data.
Our heatwave finally departed last Thursday. On Wednesday it was 31 degrees and by Thursday it was much cooler at around 20 -21 degrees, cloudier and with a slight breeze. Thank God, I said.
This was last Tuesday's outfit. I just wore the jacket to and from my volunteering and stayed sleeveless the rest of the time - bingo wings and all!
Everything charity shopped except the watch (present) and sandals which I bought in the Clark's sale about six or even seven summers ago. Note I'm not wearing any bangles in these photos but see below...
The cotton trousers are by F&F, the jacket is by M&S and charity shopped in Kettering just before Christmas 2016. I've had this sleeveless navy top for donkey's years...
On Monday and Tuesday I volunteered as usual at the Red Cross and the Food Bank. When I was at the Red Cross on Tuesday afternoon I finally began my training on the till. Whilst the manager was training me, my colleague; who had been previously been on the till went out to the sorting area and took over from me. I'd been sorting the jewellery.
When I got home from the shop I realised I wasn't wearing my bangles. The last time I'd seen them they were on the sorting table at the shop; I always take them off as they get in the way when I'm writing the price labels. Yes, you've guessed it - my colleague had priced them up and put them out on display! Luckily, they weren't sold and I picked them up the next day.
I had my hair cut and eyebrows done on Wednesday and ran a few errands in town which included a visit to the 3:16 shop. I bought a tunic and a couple of winter items for 1.00 each. When I finished I came home and stayed in the coolest room in the house reading. I didn't do the Weds evening Summer Solstice walk as it was still too hot at 8.30 pm.
I've relegated these trousers to the charity shop bag. They always wrinkle around my calves I don't know why...
I managed to get out for a walk on Thursday and walked almost 6 miles in a much cooler temperature.
This was Thursday's outfit - everything charity shopped except the shoes which are from local retailer PJ shoes. Trousers; H & M; t shirt; 1.00 rail somewhere; green kimono jacket from a 50 p bin in a charity shop. What a bugger it was to iron - I can see why someone donated it! I've donated it too...
All jewellery charity shopped.
I passed this colourful front garden on my walk and had to take a picture of it.
On Friday the weather was cool again so I went for another walk after the school run. I started out from Great Denham; having had a look in Barnardo's first, then walked to Kempston Mill: along the river Great Ouse to the Queen's Park area of Bedford. From there I walked back to Great Denham along the the other side of the river; 6.42 miles in total. Queens Park has a beautiful Hindu temple:
And on the return journey I saw these magnificent, huge willow trees:
Everything charity shopped. The yellow tunic is from the 3:16 shop on Wednesday and I bought the beads in Barnardo's. Jeans from Red Cross charity shop.
I can't remember where I got the white lace top but I bought earlier this year somewhere. Sandals also charity shopped.
All jewellery charity shopped.
On Saturday OH wanted to go for a rummage. We had thought of going to London where we could fit in a visit to his mum but we ended up going to Luton and Dunstable instead!
Everything I'm wearing above is charity shopped except the sandals - my comfortable Clarks. The kimono is from Primarni; the top is a M&S one and white jeans are from Matalan.
All jewellery charity shopped except the earrings - from Sainsbury's.
My jacket was much admired by total strangers. They were very surprised when I told them where it came from. When I was last in Devon visiting Hilary I found another similar one - also by Primarni; it had a beautiful print on it and Hilary bought it.
Of course you want to know if I bought anything. I did. I bought some interesting mustard colour cotton trousers in the Red Cross for 1.99; a blue kimono jacket from the 1.00 rail in Keech Hospice and some padded hangers; a pair of earrings and a yellow sleeveless top for 2.00 in Age Concern. (The earrings seem to have disappeared. I remember taking them out of the bag at home but haven't found them since - they'll turn up somewhere). There were only six charity shops in Luton town centre which I found surprising. Bedford is a smaller town and has twelve. Dunstable had about five charity shops and I din't buy anything in them. I don't think I will be rushing back to Luton or Dunstable for some rummaging any time soon...
On Monday I stayed at the Red Cross until it was time to pick the grandchildren up from school. Two of the volunteers were off to celebrate Eid and the manager had a day off leaving just myself and the assistant manager. There were so many donations to sort and I served at the till, too.
This is what I wore. Everything is charity shopped except my underwear - and you're not seeing that! Jacket; Next, 1.00 Red Cross, zebra print trousers from Barnardo's last week: 2.49. Next top; charity shopped last summer.
Sandals; charity shopped.
All jewellery; charity shopped.
This is going to be my last post for a while. On Saturday I'm going to drive to Holyhead and catch the ferry to Ireland on Sunday morning. I should reach the van about 4 pm having stopped off at Lidl to do some shopping. As I've said before the internet connection at the site is both weak and intermittent so I doubt that I'll be able to post more than once every couple of weeks and then only when I'm somewhere with free wifi.
I'm so looking forward to the next couple of months where I will just be chilling out; reading, crocheting, walking; visiting family, sight seeing and a bit of charity shopping of course! I'm looking forward to having a few visitors to stay. I shall miss my children and grandchildren and OH but I will see them in Ireland. Whatever transpires I'll be back in September so I hope you all have a wonderful summer.
Last Wednesday, I walked with the Ramblers after a break of two weeks; I was invigilating on the two previous Wednesdays. There are some evening walks coming up which I am looking forward to. I love evening walking. There's a special evening walk on the 21st June which will be the longest day of the year and it's starting at 8.30 pm - in the pub!
I changed into this outfit after walking 7.5 miles. I bought the scarf with pearls in a charity for 1.00; the top and trousers are also charity shopped. The scarf is to compensate for a low neckline; it was too warm to put a camisole under this top. All jewellery charity shopped.
The trousers from M&S have gone to the charity shop bag. They're too long and too big and do nothing for me even though they are cool and comfortable in the hotter weather. My new pink floral trousers bought on a recent rummage in Stevenage and Hitchin are their replacement; one in and one out wherever possible...
These are my new (retail) shoes. They have a t strap which you can't see in this photo.
I walked again on Thursday - another 7 miles. It was a very warm day; 25 degrees by the time I finished. I was trying to recce a new walk for the Ramblers Winter Programme. I tried a footpath I hadn't tried before but it took me nowhere. Not because it didn't lead anywhere but because the footpath was so overgrown I couldn't see where it was meant to take me. I walked around the perimeter of a huge field; climbed over a gate in a farmyard (naughty Veronica!) and found myself a few feet away from where I started!
Everything is charity shopped. The linen top is a French label but I can't remember where I found it; likewise the three quarter leggings.
Mary Jane's bought in a charity shop in Ely in May 2016.
Headscarf and all jewellery charity shopped. The earrings were one of the three for a 1.00 I bought on last Saturday's rummage in Hitchin.
On Friday, I took my middle grandson to London for a day out. He wanted to go to the Houses of Parliament so we had a guided tour. This was taken on the tube to Westminster.
The House of Commons terrace where you can take tea...
I look very rotund in this photo taken outside Westminster Abbey!
Tunic; charity shopped; trousers; Lidl last summer; Mary Jane's charity shopped; all jewellery charity shopped except earrings bought online. I bough the African print bag at a car boot sale a couple of weeks back.
We had a lovely day; we went to Canary Wharf (his choice); the Monument and then I took him on a tour of the area where I grew up and went to school i.e. Maida Vale/Paddington.
This is the first house I ever lived in; 144 Elgin Avenue, London W.9. I was born in 1954. Mum and Dad rented one room in this rather posh house. I checked today's house prices on this street; a one bedroom flat for 785.000; three bedroom flat 999,900; a four bedroom flat over a million. These are flats not houses! It is absolutely incredible and to my mind, obscene.
When my brother Mark was due, Mum, Dad and I moved here:
I spent the next 13 years of my life in this 3 roomed basement flat with my parents and two brothers. We had no bathroom, an outside toilet; no central heating or hot water. I shared a room with my brothers until I was almost 15 years old; my parents slept on a sofa that converted to a bed all the years we lived here. Relatives from Ireland came and stayed - sometimes for months at a time until they got established and moved out.
Again, I checked the prices of properties in this street; a three bedroom maisonette; 1,395.000. A four bedroom house 1,800,000. My parents privately rented throughout the 1950s and 1960s; in the early 1960s Mum and Dad got the opportunity to buy the entire house above for a little over 700.00! My Dad didn't want a mortgage - he was a strictly cash up front person - so they declined the landlord's offer...
In 1969 having been on the housing list since I was born; Mum and Dad moved to a council maisonette in this house in Portnall Road, W9.
The top left hand window was my bedroom - the box room! We had a bathroom and indoor toilet; a separate living and dining room; Mum and Dad had their own bedroom and my brothers shared a bedroom. It was heaven to us.
I checked the prices on this street, too. A one bedroom flat; 500,000. Two bedroom maisonette; 699.000. Not as pricey as the other two streets but a whole house must sell for over 1,000,000. Astonishing - and still obscene. How on earth are ordinary working people ever going to afford to buy anywhere to live in London? The rents are also ridiculous; eldest grandson spends 70% of his earnings on rent.
This was my old school - Paddington and Maida Vale High School for Girls (PMVHS). It was situated in Elgin Ave near to the first house I ever lived in and it took me less than 10 minutes to walk to school.
I asked my grandson what he thought of where I grew up and his reply was - 'all the house you lived in are the same'. This was very true; all Victorian terraced houses. There was a huge house building boom in the Victorian era and many of us continue to live in and love these old houses.
On Saturday I went to see my son. Everything charity shopped except the shoes. Dress by Mantaray; jacket by M & S bought in Kettering for 4.00.
All jewellery charity shopped except watch.
Necklace bought in Derry for 2.50.
Woke up on Sunday to more terrible news.
Top; Store 21 sale; trousers; Primark, charity shopped 99p rail at Barnardo's, Great Denham. Orange shoes also charity shopped.
All jewellery charity shopped. Necklace bought at Oxfam in Newport Pagnell last summer for 2.50.
On Monday, I volunteered at the Red Cross shop. I do so enjoy working there. I have a laugh with colleagues; we sort a mountain of stuff and sometimes I find wonderful things. My special area of responsibility is the jewellery. I found a rather 'good' piece on Monday in some stock from another Red Cross shop - a gold bracelet with purple stones. I showed it to my colleague, as I could see it looked special. He has a jeweller's eye glass and it was marked 18 carat gold. He took it to a a local jeweller who buys gold and silver; who then confirmed it was gold - and the purple stones were real amethysts. He gave us (Red Cross) 95.00 for it!
This was Monday's outfit. The green harem pants are from Next and I bought them on my first visit to the new Barnardo's in Great Denham last year. When I got them home the elastic in the waist was gone, so I never wore them at all last year. This year I had the idea of wearing a large elasticated belt I have around the waist of the trousers to hold them up - unfortunately you can see the belt outline under my yellow patterned M & S charity shopped top! The jacket came from the Guild House and the Mary Jane's were charity shopped in Ely last year.
All jewellery charity shopped except earrings which were donated by my daughter.
On Tuesday I went to volunteer at the Food Bank and in the evening I had Poll Clerk Training for the election on Thursday.
Jewellery and tunic charity shopped. The tunic is from Red Cross 1.99. The earrings were bought in a shop in Bath on my 50th birthday with birthday money I was given by my family.
Navy trousers, Primarni; cardigan, Studio catalogue about four years ago and shoes local retail.
I invigilated for the Open University on Wednesday all day in Luton and on Thursday I poll clerked. My day started at the polling station at 6.15 am and I finished at 10.50 pm. There was a steady stream of people coming in to vote all day and it went surprisingly quickly, but I was really tired when I got home. Luckily the polling station is only across the road from my house!
The Chrome Book is holding up although there are more distractions on the screen in the form of coloured lines but hopefully it will last until I can afford to buy a new one.
I plan to chill out all weekend to compensate for my extremely busy week. I hope you all have a great weekend; the forecast is looking good...
The forget-me-nots (above) were clustered in the corner of a field and are for the victims of the bomb in Manchester.
It was horrifying to wake up last Tuesday morning and hear the dreadful news about the suicide bombing at a pop concert in Manchester. What a truly wicked thing to do. It does nothing to improve the perceptions of Muslims here and elsewhere; as they have now become the new persecuted minority; based on the acts of individuals who carry out these horrible deeds. No one who carries out this type of act is a true Muslim.
My heart goes out to all the children, adults and their families who were killed or injured in this dreadful attack.
Last Tuesday I was at the food bank and was glad of its coolness, for once, as it was quite a muggy day. When I finished there I went for a walk and walked 6.8 miles. It was my first walk for over a week and I had missed it.
It was a beautiful afternoon. The mugginess had gone; the sun shone; the birds sang and the bees and insects hummed. I remembered to put Factor 50 sunscreen on my face in the morning before I put my make up on and I did it everyday whilst we had such lovely sunny weather. The back of my neck, upper chest, hands and feet get very brown in the summer as they are always exposed; I have to remember to apply sunscreen to these areas and to wear a hat!
Everything is charity shopped except the Mary Jane shoes bought from PJ Shoes; a local shoe retail shop; about 3 years ago. The trousers are from George at Asda and the blue top was bought from a Â£1.00 rail somewhere...
All jewellery charity shopped.
On Wednesday I invigilated in the morning and ran some errands in town after I had finished. But first I paid a visit to Barnardo's in Great Denham where I hadn't been for a few weeks. I bought a few things from the 99p rail - it would have been rude not to!
What did I buy? I bought some brand new, never worn metallic gold slip on shoes; a plaid night shirt (for winter); a grey shrug/cardigan and a beautiful pale lime green, boiled/felted wool jacket (again for winter). When I finally went into town I bought some lovely silver earrings in the Reuse shop for 2.00. I managed to walk almost 3 miles in the course of my errand running!
I spent the rest of the afternoon crocheting and sitting out in the garden enjoying the brilliant weather. I was determined to finish the blanket last week and spend the next week sewing the ends in (aaagggghhhh - such a horrible job!) and making a border for it. I'll save my next crochet project for Ireland as I'm going to be away for two months...I'm planning to make a V stitch blanket and use up my stash of blue and green wool in making it.
I made this one a few years ago and it's on our two seater sofa where it gets quite a lot of use on cold evenings...
Everything is charity shopped except the kimono which was a Christmas present from my daughter three years ago. Trousers are by Tu at Sainsbury's; linen top no label but from 1.00 rail in the Red Cross.
Because it was such a hot day I had to put my sandals on but my toenails needed painting...
All jewellery charity shopped except the earrings - 99p from e bay.
I invigilated again on Thursday morning and in the afternoon. It was another scorching day.
Top by Principles; 1.00 rail at the Red Cross. Linen M & S trousers; Â£1.00 rail Barnardo's in Ampthill. I bought the vintage blouse/kimono by Kanga in a charity shop in Cambridge last summer for 2.99.
Shoes; PJ shoes. Can you see how puffy my feet are? They swell in the heat and they're worse when I've been on them for hours as I was on Thursday. I also wore my large turquoise ring on Thursday but I took it off to wash my hands and couldn't get it back on again because my fingers had swollen too...
All jewellery charity shopped except watch (present) and earrings; 99p from e bay.
On Friday I ventured out after the school run for a walk. I walked 8.5 miles and sweated like a pig from beginning to end. Boy, was it hot! I also had to do the food shopping after that and the school run. One that was over I finished my latest library book 'All We Shall Know' by Donal Ryan. It's an absolutely beautiful, emotional read and I can't recommend it highly enough. Donal Ryan's writing is poetic and his use of the rhythms and phraseology of Irish speech is wonderful. It made me cry and laugh and I don't think you can ask more of a novel than that.
On Saturday OH and I went for a rummage. We decided to go to Stevenage and because they only had 5 charity shops we went to Hitchin as well. Hitchin is much smaller and has 8 charity shops! Weird.
I wore a hat to shield my face from the sun. I got my face a little burnt when I went walking on Friday despite Factor 50 sunblock. It wasn't so hot on Saturday but it was nice and breezy; so breezy in fact the hat blew away several times and I abandoned wearing it.
Everything, including the hat, is charity shopped. I can't remember where I bought the dress; the linen jacket is from the Guild House. I wore these Mary Jane shoes because they are very comfortable with a raised platform and ideal for walking around.
Bangles and ring charity shopped.
Beads charity shopped in Donegal, earrings bought in the week from the Reuse shop and brooch charity shopped.
Of course, I had to buy stuff. I bought 3 pairs of earrings for a 1.00 in the Garden Hospice shop in Hitchin; another pair with a Celtic design and a deep red pair both a 1.00 each in two different Hospice shops in Stevenage. I bough a pair of Boyfriend jeans for 1.60 and an ethnic print top for 2.00 on a reduced rail in the Salvation Army in Stevenage; a pink floral pair of trousers for 4.00 in the Keech Hospice shop in Hitchin. A good day's rummaging, I thought. OH did very well, too.
We saw a Storm Trooper (from Star Wars) and R2D2: (edited thanks to Sheila!)
They were part of a fund raising event for Age UK.
On BH Monday we went to the seaside at Holkham, Norfolk with the grand kids. It was bloody freezing! We ate our picnic there. Holkham is also a nature reserve and when we were leaving we saw 2 Spoonbills flying over head; they looked like arrows, long and thin with wings; it was a marvellous sight and it made my day.
Courtesy of Google images
We then drove to Wells Next the Sea; which is about mile and a half away - a pretty little seaside town where we warmed up in a cafe with hot drinks; wandered about; spent ages in the arcade and finally left as the rain was coming down. Of all the days to pick to go to the seaside we chose the worst one!
Wells Next the Sea
Wells Next the Sea
I've now finished my crochet blanket and done the edging. There's only about 300 tails to sew in so it will take me some time...
My Chromebook (which I inherited from the eldest grandson) is in terminal decline. The screen has a line across it and what looks like a side view of a breast with a silouhette on the right hand side of the screen. I don't know how much longer it will last; the 'breast' is getting bigger and is blocking some of my page content. I'm hoping it will last until I go to Ireland but I may have to buy a new one soon and that will eat into my holiday money. We'll see. Hopefully, I 'll be able to post next week but if I don't you'll know the Chromebook has died!
This is my cousin, Linda. She is the oldest of the cousins on my mum's side and we first met when I was 7 (in 1961) in my granny's house in Ireland. Linda had never visited England before so she came to spend 5 days with me in April; we had such an enjoyable time.
In the photo above I'm wearing an embroidered wool waistcoat from a charity shop which Linda bought me. I'd seen this same waistcoat on a rummaging expedition with the OH last year and didn't buy it. I'd been regretting it ever since!
Linda and I spent a whole day charity shopping and a couple of hours on another day. We went to the Ampthill and Great Denham charity shops and quite a lot of the Bedford ones. There were still seven charity shops in Bedford we didn't have time to visit so that's for Linda's next trip. Did Linda find anything? Yes! She found some beautiful cardigans; some trousers, a sweater and some shoes. I found a pair of jeans; some colourful trousers; a skirt and some pictures for Ruby Super.
We went for dinner at my daughter's one evening and also managed to fit in two six mile walks on two different days. On one of our walks, Linda marched up the drive marked 'Private Property' and in the photo above is at the door of Clapham Park House which was:
'Originally built in 1873 for the Howard Family, founders of the Britannia Works in Bedford, Park House is a magnificent striking piece of Victorian architecture in a French Gothic style.' (From the Rightmove website).
We went to London for the day on Saturday where we saw the Houses of Parliament, Big Ben, Westminster Abbey and the Treasury. This was taken in Parliament Square. We also went to the Tower of London.
We set out to visit the Perspehone bookshop in Bloomsbury but got there too late...
We went to Harrods at Linda's request and splashed out on some pastries - I'd scoffed mine by the time I took this photo. Linda's is still in the bag...
I'd never been to Harrods before. I was wondering why the sales assistant was staying so close to my side in the women's wear department as I was stroking a white suede and fur coat. Then I looked at the price tag - Â£35,000!!
We spent the rest of the day in Chelsea where we paid a flying visit to my eldest grandson at work and then met up with my brother and went out for a meal.
On Sunday the family came for the dinner.
These are the colourful trousers I bought in a Bedford charity shop and all the other items I'm wearing are also charity shopped.
I took Linda to the airport last Monday and was very sad to see her go. I always wanted a sister when I was growing up and feel that I have a sister in Linda.
Life resumed as normal on Tuesday with a stint at the Food Bank.
Everything charity shopped. Purple velvet jeans; Red Cross 1.99. Grey waistcoat is from Gap and patterned shirt is from M&S.
Boots - Christmas present from daughter.
Beads present from OH but charity shopped as are the earrings, bangles and watch.
On Wednesday I invigilated at the university where I used to teach. I shall be doing more invigilation in May and in June shall be poll clerking on election day. All the little extra cash is most welcome as I still have another 2.5 years before I get my state pension...
Everything, except the boots, is from a charity shop. The tunic, which has a French label was 1.99 at the Red Cross - the collar has a row of hook and eyes fastening as do the sleeves. I chose to leave them open as the beige (gah!) trim made a nice contrast and went with the beige M& S trousers. The waistcoat was from the 99p rail in Barnardo's. All jewellery is charity shopped except the earrings which are from Sainsbury's. The headscarf is a recent acquisition (must stop buying them - the picnic basket where I store them is filling up) from the 3:16 shop for 1.00.
On Thursday I did the usual food shopping and went for a 6 mile walk. My youngest grandson is staying every Thursday evening now as my daughter has taken up boxing and has a late training session. I take both grandsons to and from school on Friday so it is just as easy for him to stay overnight with me.
This is the tunic/dress I bought in the Killybegs charity shop for 2 euros. It's by Apricot and I loved the red orange flower display around the bottom. Everything is charity shopped including the boots, but the grey leggings are from Sainsbury's Tu range.
All jewellery charity shopped including this necklace which I also bought in the same Killybegs charity shop as the tunic but about two years ago. It's a bit of a treasure trove that charity shop...
I went on a bus walk with the Ramblers on Friday and we walked from Henlow to Langford and back again; about 6.5 miles. I kept my jacket on the whole time as although it was a nice bright day the wind was chilly.
This is the Holy Trinity Church in Clapham, London and the site for the origins of The Bible Society.
I walked again on Saturday; only this time it was in London and the 34th 'Unlock' London walk. You can read about the 'Unlock' walks HERE in more detail, but they are essentially fund raising walks for urban charities, visiting a range of different churches in different parts of London.
This year the walk was in Battersea and Clapham. It's the third consecutive year I've done this walk and it's always very interesting. It attracts those of a religious persuasion (not me!) and walkers.
This is St. Mary's on the Thames path near to Battersea bridge. It wasn't one of the seven churches on the walk but I rather liked it.
Battersea Bridge built in 1890
We ate our lunch here. Behind this bridge (Battersea Railway Bridge, built in 1863) was a helicopter landing pad; the helicopters were arriving and taking off about every ten minutes.
I wondered about this building in Comyn Road, SW11 - it looks like a boring red brick red modern building, but if you look carefully there are a couple of old fashioned, possibly Victorian, dresses sculpted on the front of it. Was it originally the site of a factory? An orphanage? A school? I wish I knew - and Google wasn't any help.
This beautiful flowering tree was in the sub tropical section of Battersea Park but I have no idea what it was.
This Victorian Gothic church is called St. Nectarios; it's near Lavender Hill and is now a Greek Orthodox church containing the most beautiful icons.
We walked about 7.5 miles on the walk and if I include my walk to and from the station it was more than 8 in total. We returned to King's Cross by bus and I just managed to snap this sculpture; behind Marble Arch, from the top deck front seat of the bus. It was almost like being back at school again!
On Sunday I went to see my son
Everything charity shopped except the boots which were a Christmas present several years ago; the necklace and earrings were donated to me by my daughter. The Next corduroy blazer bought from Red Cross for 1.99 about a year ago.
White jeans bought in Derry and the spotted top was bought on my rummages with Linda, in the Ampthill Barnardo's.
I was quite excited as it seemed warmer and sunnier on Sunday. I thought I might begin the winter to summer wardrobe swap over but changed my mind as the day went on and it got colder and colder...
Monday was a bank holiday but it was business as usual at the Red Cross. I started at 10 am instead of 9.30 am but finished at the same time. Did I buy anything? Yes, I did. 2 more necklaces (naughty me!) one turquoise and one an orangey yellow colour. A yellow top and a cardigan both 1.99 each. Two books for my friend Hilary; whom I'm hoping to visit in Devon at the end of May or in June.
This is the Desigual tunic/dress I bought in the Red Cross in Derry. The top underneath is from Primarni; the leggings were bought retail at Sainsbury's and the Mary Jane's are from a local shoe outlet. I had left them behind in the caravan and made sure I brought them back with me as I hoped we may soon start to have a summer...
All jewellery charity shopped and the head scarf was one of 3 bought at the 3:16 charity shop.
My crochet blanket is coming along nicely, but I'm not getting that much reading done. I never do when I'm crocheting. I did manage to read the last of my 'Furrowed Middlebrow' birthday books and have now read four in this imprint. I've enjoyed them all but none have gripped me in the way many books have and I doubt I shall be buying anymore. They are also very tightly bound and you have to 'crack' the spine or fold the pages back severely to read the books properly. I still have two new Persephone books (also birthday books) to read and then there's all those books on TBR pile...
I really want to start the winter to summer swap over but I daren't - it's too damn cold. Here's hoping it warms up soon!
Saturday was such a beautiful day. Warm, sunny but there was a chilly breeze at times. Spring is most definitely here with warmer weather forecast for this week.
OH and I had a rummage in Rushden and we also visited Emmaeus in Carlton on Saturday. Emmaeus is a charity for homeless people and is international in its scope. At Emmaeus they do furniture; household goods, electrical items, antiques and vintage items, bikes, garden equipment, clothes, shoes, bags. jewellery, craft materials, toys, books, DVDs, CDs and LPs. I bought a bangle and a ring, a small terrarium for plants, 2 succulent plants and a cafetiere for my daughter who's been after a small one for ages. I spent 6.50 in total.
This is how I started out. I soon discarded the scarf and gloves - too warm!
Everything except the handbag is charity shopped. Trousers from Monsoon; felted wool jacket by Paraphase; bought in the Donkey Sanctuary Charity shop in Ballyboffey in Donegal. Apart from the lovely embroidery on the jacket; it has golden bugle beads up near the neckline. It cost 10 euros, but I love this jacket and need to wear it more often. Boots from Red Cross shop winter 2015; for 1.99.
I was getting a bit of practice in with my selfie stick. I'm off to Donegal on the 4th April for two weeks and OH won't be out for the first 8 days I'm there, so I'll have to take my own OOTD photos!
The floral top is from the Red Cross 1.00 rail and the cardigan was bought in Barnardo's in Golders Green for 1.99.
Both scarves charity shopped; watch, necklace, ring and bangles charity shopped. Earrings; a present from my friend Natalie in Cambridge. See my nice, clean, shiny kitchen? 4.5 hours it took me on Friday; my arms were aching on Saturday.
In Rushden I bought a grey dress by East for 4.00 in the Salvation Army. I may not get any wear out of it now but it will be useful for next autumn and winter. East clothing is very expensive so I had to snap it up. I also bought a small wool picnic/lap blanket for 1.00; this will be taken to the caravan as it can be very chilly in the evenings. I also bought a lovely velvet patterned top in Cancer Research for 3.00. All in all a good day's rummaging. OH did well, too.
I got up early on Sunday and walked 6.8 miles. With Wednesday's 6.7 miles my total for this week was 13.5 miles - 6.5 miles short of my target of 20 miles.
Sunday afternoon was tea at the Swan Hotel in Bedford courtesy of my wonderful daughter. It was delicious and I was so stuffed at the end of it.
This is the African print skirt I bought at the 3:16 charity shop last week for 3.50. The top is by Cotton Traders and the jacket is by Country Casuals; both charity shopped at he Red Cross for 1.99.
Headscarf and all jewellery charity shopped. Boots; Christmas 2016 present from daughter.
On Monday there was no Red Cross volunteering. The manager had rung me on Friday to say there was a flood in the shop from a leak upstairs and that the shop would be closed until Wednesday. It felt really strange not going into the shop but I had errands to run in town so walked past the shop anyway. There were buckets everywhere catching the drips! There was also what looked like a 1970s maxi dress on the model in the window! I decided to go back on Wednesday and see if it was my size.
I had plans to go for a walk in the afternoon but the weather was so horrible I didn't bother. Cold and windy and grey...
On Tuesday I was at the Food Bank and in the afternoon I walked 8.25 miles. It was a good day; sunny and warm but with a cold breeze and eventually the clouds got darker and it rained a little.
Everything charity shopped except the loafers bought on sale at Tesco's outlet shop about 3 years ago.
Earrings; a present from my friend Natalie. All other jewellery charity shopped.
On Wednesday afternoon I went back to the Red Cross; wouldn't you flipping know it they had sold the dress from the window! I bought a brown patterned tunic and a Planet summer jacket in bright orange as a consolation prize; both 1.99 each. In the morning I walked with the group from Great Denham; we walked 7 miles and it was a a very pleasant walk. As we finished back in Great Denham I had a quick browse in Barnardo's and bought a white linen shift dress and a pair of navy blue leather loafers - both 99p each.
It was such a gorgeous day on Thursday! It registered 21.5 degrees centigrade on my car barometer. It felt like a summer's day so I dug a summer dress out of the chest where I store my summer clothes. I bought this dress which is by Studio from a 1.00/99p sale rail somewhere at the end of last summer when it was too late wear it, so this is its first outing.
The jacket was one of the first things I bought at the Guildhouse when I started there; it's linen and made by an Italian company. I paid 3.50 for it. I wore tights and a long slip underneath the dress and the boots were a Christmas 2016 present from my daughter.
Headscarf, bangles, necklace and watch all charity shopped. Earrings are from Jamaica and are made of copper in the shape of steel pans...present from OH.
On Friday I went on a bus walk with the Ramblers from Kempston via Wootton and Bromham. We walked 8.75 miles culminating with tea and cake at Bromham Mill. The best way to finish any walk I think! The weather was fine. By the time I got home I had to go straight to collect the grandchildren from school so stayed in my walking gear. My walking total this week was 24 miles over 3 walks.
On Saturday I went to see my son and wore this:
Everything is charity shopped except the loafers which were bought from the Tesco outlet sale about three years ago.
Necklace was a present from my youngest Grandson's dad some years ago. All other jewellery charity shopped.
I shall spend Sunday packing for Ireland; I've had the car checked, got my euros and the ferry's been booked for ages. I shall be taking a break from blogging and when I get back my lovely cousin, Linda is coming to stay with me. It will be her first visit to England and guess what she wants to do? She wants to come charity shopping! That can be arranged with no difficulty...
I hope you all have a lovely Easter and if you don't celebrate Easter that you at least get a nice break. Take care everyone and see you on the other side!
It t was forecast to rain on Saturday so I got up early and walked 7 miles. It was quite warm, cloudy but with lots of patches of blue sky; although there was quite a strong breeze. It was a lovely walk; I saw a Kestrel again and this time I saw some yellow hammers/corn buntings as well. Every time I walked last week I saw the Kestrel. I think it's the same one because twice it flew out of the same copse. I'm so used to seeing Kestrels hovering over the roadside it's a bit of shock to see them in trees and flying over fields!
Everything charity shopped. The jeans are the ones from the 3:16 charity shop last week; 1.50 (half price sale), top from Tu at Sainsbury's; the necklace is from Mercy in Action outlet shop, 1.00. The boots are from Lidl last winter and the earrings are about 20 years old. If you think I'm looking a little different in this photo it's because I'm wearing a nude lipstick instead of my usual red lippy! I was saving that for Saturday evening as I was going out for a friend's 60th birthday meal in Luton.
Cushion bought in the Oxfam shop about 18 months ago.
I had errands to run in town on Saturday and I struck it lucky. I walked past the 'Reuse Shop' and they had a rather nice small chair in the window. It was perfect for my study so I bought it. The chair which used to be in the study was rather too large and it went on Freegle. Last week I missed out on one on e bay because I forgot to check on it - and it sold for Â£20 including delivery. My chair was Â£30 and it had just been reupholstered. Reuse is a charity shop and they have someone at this shop who reupholsters chairs and sofas and someone else who up cycles furniture. I have a floral covered footstool that I can put my feet up on (charity shopped, of course). I now have no excuse not to start my next crochet blanket!
All jewellery charity shopped.
This is what I wore on Saturday evening to my friend Cecilia's 60th birthday meal. She and my best friend Ann went to school together in Luton and I got to know C when we used to go raving together in the early to mid 1990s. We had some brilliant times!
We had a lovely time on Saturday night although there was no music and no dancing. I saw a couple of people I hadn't seen for years, so it was great to catch up. It was such a shock for my friend as she was only expecting her immediate family...
These photos were taken when I returned from the birthday meal past midnight. I'm wearing my 99p Jaeger jacket; the skirt is from M&S but is very steam punkish (I thought) with the bustle at the back, it came from a charity shop in Kettering for 2.99. The black cross over top is one of the most frequently worn and useful items in my wardrobe and is also M&S; charity shopped years ago.
This is Monday's outfit. The top is for the charity shop bag as it doesn't fit properly around the bust. It says large but it's clearly not large enough! It's a shame because it's an Ossie Clark top; charity shopped but can't remember where. Everything is charity shopped except the leggings bought in a Store 21 sale.
Necklace gift from next door neighbour; earrings Sainsbury's.
The Red Cross shop was so full of bags of clothes waiting to be steamed and hung up that we didn't do much sorting on Monday - there was just no room! I did have a good sort of the jewellery and put new stuff out. I bought my daughter a lovely summer top off the pound rail - she liked it; thank goodness. I bought a green dress for myself for 1.99, and a a red checked headscarf which I wore with Tuesday's outfit (below).
I was at the Guild House on Tuesday and was quite busy sorting stuff and pricing it and as usual I did a bit of a ironing. It's funny I hate ironing at home but I don't mind it at the Guild House; it's probably the fancy steam iron they have.
Asleep on my feet, here!
Everything is charity shopped except my daughter donated boots.
The waistcoat is the one I bought at the newest charity shop in town last Wednesday for 1.50; it was lovely and warm. The top is from Barnardo's 1.00 rail; trousers M&S, can't remember which charity shop; scarf; Red Cross on Monday.
All jewellery charity shopped except red ring; Sainsbury's and watch which was a Christmas present from my daughter about 6 years ago. I've had these earrings for about 20 years.
I went to the 3:16 charity shop to drop off some books and bought a maxi skirt with an African print for 3.50. It will be lovely for the summer but I may wear it this Sunday. My daughter is taking me out somewhere - to eat presumably. She sent me a message - ' Mum, on Sunday don't have any lunch and don't let Wes make you any dinner either; can you guess what we're doing? Lol'. It's Mother's Day on Sunday, of course. That's three weekends in a row I will have gone out somewhere - oh, the excitement!
On Wednesday morning I walked 6.6 miles with the group and I wished I hadn't! It was wet, cold and windy. I got soaked and was so cold that when I got in I put my PJs and dressing gown on. The afternoon was windy but sunny and dry - wish it had been in the morning - it's called 'Sod's Law...'
The wind continued on Thursday but at least it was dry. I had lots of errands to run; I had my eyebrows done; I did the food shopping in Lidl and Sainsbury's; I also went to Aldi, two banks, the card shop, a gift shop and the dry cleaners. It was my best friend, Ann's, 60th birthday so I took her card and gift round to her. She was off to London to go out for a meal and see a show with her two daughters. I was glad to get home and put my feet up for a bit!
Everything charity shopped. The cords are by Primarni; the waistcoat is by Bench; bought it at Age UK in Bedford - which is no more. The top is by M&S. Everything is grey today - I just fancied some grey.
The earrings are from Sainsburys; the necklace is also a Primarni one but I bought it in a charity shop quite a few years ago. Bangles, watch and red ring charity shopped.
I bet you won't believe what I did on Friday. Walking - no. Charity shopping - no. Visited friends - no. I started at 9.30 am and finished at 3 pm (when I leave to pick the grandchildren up from school); cleaning my kitchen was what I did. It needed doing; I cleaned the cooker and the cooker hood, all the surfaces, tiles, appliances and the floor. It's time I begrudge but it has to be done. Oh well, that was Friday!
This is the green dress I bought at the Red Cross on Monday for 1.99. The kimono is also from there. Daughter donated boots; the green tights are also charity shopped.
All jewellery charity shopped except the earrings which are from Sainsbury's.
Oh and I are going out for a rummage tomorrow - haven't decided where yet but I'll let you know how we got on...
Our birthday celebration trip to London was brilliant. It was a really pleasant day; warm with the occasional bit of sun.
Here is the wonderful bloggers scarf - birthday present from my daughter, and the leather jacket was a Christmas 2015 present from her; boots, Christmas present 2016 from OH; hat, Christmas present 2014 from eldest grandson; black leggings M & S retail; dress from New Look, charity shopped in Cancer Research for 3.75 last week.
Silver necklace bought in Age UK, Sandy two Saturdays back.
Earrings and bangles charity shopped. Watch; Christmas 2102 present from daughter.
We started with a cup of tea in West Hampstead and a rummage, of course! It got warmer as the day went on and I discarded the hat and then the scarf...I had some birthday money from my brothers to spend but I was quite restrained. I bought a bottle of Orla Kiely perfume for Â£15.00 (retails between 35.00 - 47.00 on line; a bargain in my eyes) and a pair of sparkly tights for 2.75 in the West Hampstead charity shops. We then hopped on a bus and went to Golders Green. They had quite a few charity shops and I bought a yellow cardigan for 1.99 in Barnardo's. We didn't have time to check them all out as a couple were closed for the Sabbath, but we were also running out of time. We had to get back to Chelsea and meet up with brothers and nephews.
Should have taken more pictures but here's the West Hampstead fire station. (LCC stands for London County Council).
I have a soft spot for West Hampstead, although I grew up in Paddington, as it's where my favourite and regular disco was ('The Purple Pussycat' - I kid you not!) and it was a favourite destination for me and my mum on our rummaging excursions until she moved to Kettering in 1999.
After leaving Golders Green we headed off for Sloane Square where I was able to go to the eldest grandson's restaurant - he works there - and say a brief hello. He was rushed off his feet the poor lad.
Two brothers, one daughter, two nephews; OH and me in Battersea waiting for our meal.
The return journey. Missing - one nephew and one daughter who had things to do, places to go, people to see...
It was a lovely day and although we all had sore feet (the oldies) we're going to do it again before too long.
Sunday was housework and cooking dinner for the family. On Monday I was volunteering as usual in the Red Cross shop. Busy, busy, busy. I bought a bracelet and a short kimono top (see Tuesday's OOTD). I still had birthday money to spend so no guilt feelings about buying stuff...
Everything charity shopped except boots which I'm sure you recognise by now. The tunic was bought in a Donegal charity shop. All jewellery charity shopped. It was another nice day like Saturday; with a slightly chilly wind but at least it didn't rain.
I wasn't needed at the Food Bank on Tuesday. When there are too many volunteers in we can't get much done as we are in each other's way and have to queue at the weighing scales for ages. Everything is weighed in and out at the Food Bank. If you donated a single tin of beans it would be weighed in and recorded!
Top; Red Cross, 1.99, red top; 50p rail in a charity shop in Royston; jeans, charity shopped and red boots bought on line.
So, I had a free day to do exactly what I wanted - sort of. I had a hairdresser's appointment to keep, I was cooking dinner and I was picking up middle grandson from a football match, but in between I was free. I went to Barnardo's at Great Denham for a rummage (birthday money burning a hole in my pocket) and they still had their 99p rail. I bought a Jaeger checked jacket for 99p. I washed it and it came up fine. I might wear it on Saturday to a friend's 60th birthday meal in Luton - yes, I'm off gallivanting again at the weekend!
All jewellery charity shopped except earrings bought with 50th birthday money in Bath - my 'Bath earrings.' I've just realised that was 13 years ago but it feels like it was yesterday...
I also paid a visit to the 3:16 charity shop in town as I haven't been there for a bit. I bought a pair of jeans; a necklace and a ring. I had planned to start my next crochet blanket but got engrossed reading a play by Kate Atkinson called 'Abandonment'. Before I knew it it was time to pick the grandson up...
On both Wednesday and Thursday I went walking by myself. I walked 7 miles on Wednesday and 6 miles on Thursday. Wednesday was the most amazing day; 16 degrees, sunny and a beautiful blue sky.
This was at the beginning of the walk. I'm at the top of a field and the housing estate in the distance is where my daughter lives. Look at the sky!
I met Mr and Mrs. Mallard out for a stroll...
In fact, I met lots of people and as one elderly lady, astride her mobility scooter, said; "the sun brings everyone out".
Over the two days of walking I saw and heard quite a lot of birds. It's one of the pleasures of walking for me - what birds and plants can I spot? I saw:
A Red Kite
I also heard but didn't see:
Near the end of the walk. I was going to the left and across some fields but the path to the right leads down to my youngest grandson's school.
I babysat on Wednesday evening for my daughter who was playing in a netball match and just remembered to take a selfie:
Everything is charity shopped including the jewellery. The striped top is one of the 99p sale rail bargains from Barnardo's last week. It didn't fit as I expected; it was a bit baggy at the bottom but it will look alright over trousers or jeans. I wore it over a denim skirt.
I also paid a visit to Barnardo's and the RSPCA in Ampthill on Wednesday afternoon as I hadn't been for a while. They still had their 99p rail, too - I wonder if it will be a permanent feature? I bought a brown cardigan - I don't have a short brown one, and a green tunic; in the RSPCA I bought a tunic off their 1.00 rail. I also bought four books for 1.00, two of which were books by Iain Sinclair that I haven't read, so I was well chuffed. I've spent all my birthday money so no more charity shopping until I get to Ireland!
The weather on Thursday was such a contrast to Wednesday. It was cold, grey and there was a sharp wind. I took this photo of Ravensden Church on my walk as it is so small but beautifully proportioned.
Everything charity shopped except boots; Christmas 2013 present from daughter, and leggings bought in a sale ages ago - can't remember where. The dress is from Next; I bought it in Barnardo's, Ampthill for 99p in the summer but it will be going in the charity shop bag. I don't like it. The waistcoat looks better over trousers or over a longer dress or skirt - see below.
I last wore this waistcoat in November 2015!
I had a clothing dilemma on Friday; I wanted to wear black and white again - why? I really don't know. Some days I think I want to wear purple today or black and white...I usually plan my outfit the night before and hang it up ready for the morning. I started out with leggings; realised the top was too short, so added the skirt instead. I had to wear a cardigan as it was a chilly day. I think the top is too long for the skirt so may have to try the top with trousers and if it's still not right back in the charity bag it goes. I shan't be wearing this outfit again at any rate!
Everything is charity shopped even the boots. The tunic is the one I bought in Barnardo's, Ampthill for 99p on Wednesday.
This week I've put in the charity shop bag: 3 tops, a pair of jeans; a skirt and a dress. At the weekend I've decided to go through my scarves to try and reduce them.
All jewellery charity shopped.
Finally, the post title says " and a swap". As you will already know I am a great fan of Persephone books see here and ask for them for birthday and Christmas presents. A few weeks back, Rosemary of 'Rosie's Ramblings' here was giving away some Persephone books and sent me 4. Unfortunately, I already had 3 of the 4, and although I've managed to pass on one of the duplicates I still have 2 left. Does anyone have some Persephone books they would like to get rid of or swap with me? The 2 duplicates (both highly recommended) are:
'Few Eggs and No Oranges' - Vere Hodgson 'Miss Pettigrew Lives for a Day' - Winifred Watson.
A bit of catching up to do on the blog as last week I posted about the story of my brother in two parts.
Spring is on its way! These buds were spotted on my next to last Sunday walk of 8.5 miles. I also saw banks of snowdrops, crocuses, primroses and some tiny daffodils - all seen in wild places and not in people's gardens.
Here's a few of the week before last week's outfits.
Everything charity shopped except the boots - Christmas 2016 present from daughter.
I wanted to show this necklace which I picked up at the Red Cross on Monday for Â£1.50. I also bought some bangles and a couple of books. All jewellery charity shopped.
Pink corduroy shirt bought from Â£1 rail in the Red Cross a few weeks back.
Everything is charity shopped except the brown boots - Christmas present 2015.
All jewellery charity shopped.
I walked Wednesday the week before last (6.2 miles) and on the Friday of the same week I walked 5.5 miles. A good week's walking for me; just on 20 miles which is what I want to do on a weekly basis. What else have I been up to?
I finished my blanket...
Thanks to Attic 24 here for the Granny Stripe pattern.
Last Thursday I paid a visit to Barnardo's in Great Denham - I know - but I couldn't resist a quick peek to see if they still had their sale rail. They did. I bought 5 tops at 1.00 each. A yellow tunic; a brown waistcoat, two striped tops and a floral top.
I paid a visit to the library last Saturday and got a pile of books - just what I don't need, more books to read, but I've been after a few of the titles for a while...
This was last Saturday's outfit. Everything charity shopped except the top which was from Store 21 sale.
I bought the waistcoat for Â£1.00 in the Red Cross two weeks ago. I think it's hand made as there are no labels. It has lovely embroidery on the pockets:
Boots were also from the Red Cross but I can't remember where I bought the jeans.
All jewellery charity shopped. I bought this unusual chain which I think looks very Art Deco in the Heart Foundation shop in Northampton.
Last Sunday I went out early for another walk and did 5 miles. I've been asked to lead another walk for the Rambler's summer walks programme in May. I won't do a new route but reverse the route I used in 2016 when I led my first walk; it will be around 7 miles and hopefully we'll have decent weather...
All jewellery charity shopped. I forgot to put my bangles on - I was running slightly late.
This is the yellow tunic I bought last week in Barnardo's for 1.00. It's from H&M; the top is from Cotton Traders and was also charity shopped.
The tunic has pockets! Floral leggings, Store 21 sale and brown boots from Sainsbury's.
I know memory worsens as you get older. I've certainly noticed a change in mine. I sometimes can't remember the word for something - for example a while ago it took me to two days to think of the word for 'brioche'! I never forget faces but often forget names. I start out to do things but I get easily sidetracked by other things and don't always finish what I started. But this weekend I realised I had had a major memory lapse. For the past five months I've been driving around without an MOT.
I'd got my car serviced in September and thought it had been MOT'd as well. It hadn't. I had to get to the nearest MOT place pretty sharpish on Monday; I can tell you. I'm just so lucky I didn't get gripped by the police; or even more serious have an accident. No MOT means invalid car insurance. Apparently, I should have had a text message reminder last September from the MOT centre but I didn't receive one. They've set one up now so I can't make this mistake again. Don't worry, I'm sure I haven't got dementia but am exhibiting typical memory changes as part of the ageing process...
I remembered to go to the food bank on Tuesday morning! I missed my last session because I had the lurgy and didn't want to share it. It was good to be back. It's quite a physical role in the warehouse; bending and stretching and lifting and weighing boxes of stuff. I always come home with a pleasant ache in my back that tells me I've been challenging my body.
I bought this dress on Monday at the Red Cross - a M&S navy blue sweater dress for 1.99. Everything is charity shopped including the striped tights which attracted a lot of comment. They're going to go in the charity shop bag because although they fit fine in the leg the pants part only comes just up to my hips and they roll down gradually...
All jewellery, including watch, is charity shopped.
I bought some lovely blue beads as well on Monday at the Red Cross and something for the OH.
On Wednesday I set out to walk with the group. I never made it. I was putting my faith in my sat nav to find the meeting point and it sent me through a village and around the houses. I knew it was wrong when it told me to turn into Clophill village. but I was thinking "maybe it's a shortcut" it soon became the apparent the sat nav didn't know what it was doing! Oh well, at least it was the sat nav's fault and not me having a senior moment! By the time I found a safe space to park up and reset the destination point I would have got there too late. One thing I've learnt about my Rambler's group, in the three years I've been a member, is that they leave punctually at 10 am. I came back home and went for a six mile walk by myself...
Here I am; hot and sweaty on the final leg...I was walking with poles so didn't have a free hand to carry my jacket in and so it stayed on.
This is what I'd stopped for. Two swans resting in a huge field. I don't know about you but up until about a year ago I had only ever seen swans on water or near water; canal side, riverside, lakeside. Then one day en route to Kettering; I spotted a wedge (flock) of swans resting in a water logged field. I began to see more and more swans in fields away from water. I don't know if this has always happened but I've only noticed it recently.
I also spotted yellowhammers on my walk - brilliant flashes of bright yellow in and out of the hedgerows.
This was Thursday's outfit.
Everything charity shopped except the boots and blue tights - just seen. I bought the floral top which is by Wallis, from Barnardo's in Great Denham last week. I had my scarf on as I'd been out food shopping and forgot to take it off! All jewellery is charity shopped.
Later, I tried some different earrings and a necklace...
On Friday, I'm going for a walk with the group. I know how to get to the destination so won't be relying on the sat nav. It will be an 8 mile walk along the Greensand Ridge and I'm looking forward to it. I'll just need to add in a couple of miles walk on Saturday to reach my target of twenty miles this week.
I hope you all have a lovely weekend; the weather's been remarkably pleasant the last few days; is it going to last, I wonder?
I managed to get out for a walk on Sunday, but I just did road and street walking - 6 miles. It was bitterly cold and very damp.
I was in a monochrome mood on Sunday - I'm sure it's the weather. Everything is charity shopped except the brogues which were bought from a Tesco outlet store about 2 years ago, and the black jeans from Lidl. I had to put a cardigan over the tunic for extra warmth. This short sleeved M&S cardigan has proved very useful. It reminds me that I saw a navy blue short, short sleeved cardigan on Saturday, in Cancer Research for Â£1.00 and I didn't buy it! What on earth was I thinking?
All jewellery charity shopped, too.
It was half term this week. I do enjoy the break from the school run. I still went into the Red Cross on Monday. I picked up a blue homemade waistcoat from the Ragbag and will probably wear that on Friday when I go to see my son. It was a really cold day but it was bright and sunny; my spirits were immediately lifted by the sunshine. Unfortunately, I still had the lurgy.
This is the tunic I bought on Saturday - it's by Influence and it's made of knitted material, so it's warm. Jeans; Next, also charity shopped on Saturday. Boots: DDB.
I added the trusty short sleeved cardi for added warmth.
Earrings, Bedford market; turquoise ring, Sainsbury's; all other jewellery, charity shopped.
I didn't go to the food bank on Tuesday; I didn't think it was fair to spread my germs to everyone. It was okay yesterday in the Red Cross as I was the only person at the back of the shop.
I went for a 6.6 mile walk on Tuesday instead. I retraced the walk I led last Wednesday but in reverse. It turned out to be a lovely day and the wild life and birds were abundant. I disturbed a Muntjac deer drinking at a stream. I also disturbed a buzzard and 4 pheasants; all of whom flew off in a panic making very annoyed noises. I saw a sparrowhawk; dunnocks, meadow pipits, blackbirds, chaffinches, blue tits, wood pigeons, a wren and several gulls, rooks and crows in a field - splashing about in the huge puddles left by all the rain we've had.
Look what my Valentine bought me! I'm so lucky to have such a good man...
On Wednesday I felt really rough and decided to chill out. I only went out to pick up the grandchildren both of whom were staying on Wednesday night.
Everything is charity shopped. The skirt is from M and Co; boots from Tesco; jacket from Next. It's a bit like my Country Casuals mustard jacket - it goes with lots of things. I used to wear it a lot when I was teaching; I've had it about 7 or 8 years.
This necklace was bought on Saturday in Age UK Northampton, for Â£1.99. Earrings from Sainsbury's and bangles, watch and ring charity shopped.
I went to see my son on Friday. Everything charity shopped except boots and earrings - both from Sainsbury's.
The black maxi dress is by Item, which is a part of Tesco's; I think. I can't remember where I bought this dress. The long jacket is by Primarni and I bought it in the Barnardo's in Great Denham for Â£1.99. I love the colours. I have lightweight green trousers and a similar coloured green top that will look fab with this jacket when the weather gets warmer!.
My necklace, rings and bangles are all charity shopped.
I've been playing a lot of Monopoly with the grandsons this half term. They have both beaten me. The youngest grandson gets really excited with all the money - even if if he has to give me rent and I give him change! We are playing the adult version so the idea of millions is quite intoxicating...
It was my eldest brother's birthday on Monday; he's 13 months older than me but we only met him in 2013! I will write a post about how he found us - we didn't know of his existence until February 2013. So, my three brothers, my OH and I went out to celebrate Julian's birthday on Saturday.
Only my jacket and jewellery is charity shopped. The jacket, which is a favourite of mine, was bought on the Â£1.00 rail in Wellingborough Age UK.
The white top was bought in the La Redoute sale in 2015 and the trousers were bought this year in the sale. I nearly always buy something in the La Redoute sale. I also bought a coat in the same sale this year - see below. The boots were DDB.
We had a lovely Thai meal, caught up with each other's news and had lots of laughs - all in all a really good night. My birthday is next and I've proposed we go to London for the day. Julian lives in London and always travels to us for birthday celebrations so it would make a change for him and us.
Mondays are always busy for me. Often the youngest grandson stays on Sunday night and I have to get him ready, breakfast and then do the school run. Then it's back to get ready and off to the Red Cross from 9.30 to 1pm. I usually have a few things to pick up in town when I've finished there then I go home and have some lunch and do some chores. Before I know it, it's time to pick the children up from school. I didn't get to sit down on Monday until 5 pm!
All jewellery charity shopped except watch, Christmas present 2016 and earrings which are from Sainsburys.
This is the coral cardigan I bought from the Red Cross last week for Â£1.99. It's from Monsoon.
Jeans, M&S; Top, George. All bought at the Red Cross. Boots; Christmas present 2015 or 2014.
Tuesday was foodbank in the morning. I worked so hard I was actually sweating - although I did have a jumper, a thick cardigan and gloves on! After the foodbank I spent much of the afternoon sorting out kitchen stuff for eldest grandson who has moved to a new place in London. I went into town to look for a few extra bits for him and managed to get them in Poundland and in a couple of charity shops. I was very good and bought nothing in the way of clothes for me! I now have three bags of kitchen stuff waiting to be collected...
I have finished 'A Harp in Lowndes Square' by Rachel Ferguson. It was quite a strange novel but really enjoyable; I do like this author and have another two books of hers waiting to be read; one of which is a Persephone book. I've only managed three books this month as I've been crocheting. If I want to achieve more books read this year than last I need to get on with it. I should save the crocheting for when I'm watching TV.
I've been wearing animal prints quite a lot this week. In the picture above which was Wednesday's outfit I'm wearing an M&S blue animal print cardigan over black cords and a denim shirt. All charity shopped. I'm all crumpled because these photos were taken just before bed.
The boots are also charity shopped.
All jewellery charity shopped. The earrings were bought in Devon last weekend for a Â£1.00.
I went walking on Wednesday as well as walking around town doing errands like renewing my parking permit. I walked about 7 miles in total. I'm also walking on Friday - as bus walk from Milton Ernest back to Bedford. I just hope it doesn't rain!
This coat is vintage - I think. There is no label; not even a care label. It is so reminiscent of coats from the 1960s; they sometimes also had a detachable fur collar and often the buttons were huge. My mum had one. I bought this in Devon at the weekend for Â£3.00.
It has a very musty smell unfortunately which I'm trying to eradicate. I had it hanging on the line all day and I sprayed it with what I thought was Febreze - only it wasn't. It was Febreze air freshener! The next thing to try is to steam it with my hand held steamer.
On Thursday I took the youngest grandson for his UV treatment at the hospital. He suffers from eczema and the treatment is really helping his skin. I took him to school and then went and did the food shopping. I didn't need to go Sainsbury's this week just Lidl. I used to do my main shop at Sainsbury's and top up at Lidl. Over the years (since 2002) the balance has now shifted, so I do the bulk of the shopping at Lidl and top up with certain things at Sainsbury's.
I'm wearing a dress from New Look and an animal print shirt from Per Una at M&S. Both charity shopped in Devon at the weekend. Boots from Sainsbury's; Christmas 2017 present from OH.
All the jewellery is charity shopped. I bought this necklace in Oxfam in Newport Pagnell early in 2016.
I did a bus walk on Friday with the Ramblers and walked 7 miles. It is so much more enjoyable walking across fields and through woods and by rivers rather than just road and street walking which is what I've been doing lately. It was muddy but that's only to be expected with all the rain we've had. I saw a buzzard showing off its lovely plumage and saw and heard skylarks. I always associate skylarks with Spring but they're here all year round, I think.
More animal print today; a tunic from M&S; gilet from Mc and Co; both charity shopped. Leggings M&S retail and OTK boots bought on line.
All jewellery charity shopped.
I have been so good this week. I've bought no clothes at all and have put the following in the charity shop bag; 3 cardigans, 2 dresses, 2 pairs of trousers and 2 tunics. I've sorted out one of my coat/jackets to take to Ireland at Easter as I have a replacement one now.
I also had a brainwave this week, so I'll share it with you although you may have been doing it already! I ruin a lot of my tights as my big toes frequently poke holes in the foot (this is despite me cutting my toenails regularly!) There is nothing as uncomfortable as tights with holes in the feet. As I tossed yet another pair of tights in the bin this week, I suddenly thought why not cut the feet off and add socks to cover the missing feet? It works but only if you're wearing boots!
We went to see my son on Saturday. It's his 37th birthday on Monday. We all gave him money and a few little extras from me.
Everything is charity shopped except the OTK boots - online retail. The dress was BNWT and came out of the 49p box at the RSPCA in Sandy earlier this year. They were obviously trying to get rid of their winter dresses. Yes, I'm wearing the mustard jacket again - it goes with lots of my clothes; it's by Country Casuals and was 1.99 at the Red Cross.
Earrings are old and from Sainsburys about 8 years ago - tiered necklace 50p from Red Cross charity shop. Bangles, ring and brooch all charity shopped.
I've got tomorrow and next Tuesday afternoon to recce my walk for the Ramblers on Wednesday. I just hope the rain keeps off. Keep your fingers crossed for me!
I have been getting on really well with my crochet blanket in browns, creams and beiges. I can get on with it if I'm watching TV and it will encourage me to watch more DVDs as I can crochet and watch a screen at the same time, but I can't crochet and read at the same time! I have DVDs I got for Christmas presents years ago that are still in their wrappers so I'm definitely going to make sure they get watched in 2017. It's not a New Year resolution though....
It was cold on Saturday but at least it was bright and sunny. I walked to Aldi and back again and into to town to pick up a parcel and walked 6.5 miles in total. If I manage to walk again on Sunday I'll have completed my thrice weekly walking plan for the first time this year. I want to try and do this this every week. It's not a New Year's resolution though just a plan I want to carry out...
On my walk I visited the Beds Garden Carers charity shop where they have a small clothing area upstairs. I bought 3 tops for 50p each; one is a white fitted shirt, another a brown and cream top - I lack brown tops -and the last item was by Yasmin Le Bon and is a beautiful, white, embroidered sleeveless tunic. It's for my cousin Doirin in Ireland as I think she'll like it.
I bought this top the first time I ever visited the Bedford Guildhouse charity shop which was last year sometime; but I'd never got round to wearing it. It's by John Rocha and I liked the turquoise and yellow floral print. Jeans also charity shopped, as are the necklace and bangles. The earrings I bought in Topshop in 2002 and the watch was a 2012 Christmas present from daughter.
Boots from Lidl
Yellow cardigan online retail; 2015 Christmas present from OH.
Because this is a blog about (my) real life here's how I looked on Sunday. Same jeans as Saturday; no make up. T shirt charity shopped in Donegal 50 cents; cardigan M&S charity shopped; all jewellery charity shopped.
I suppose the New Year is a time for reflection on the old year gone out and I thought I'd share some of my thoughts with you about what I've learned since I started blogging. Please feel free to skip this part if you want...
Thoughts on Blogging in no particular order....
The blogging world of style/fashion/older style and fashion seems to be filled with incredibly kind, supportive and lovely bloggers most of whom have a terrific sense of humour.
I had no idea how time consuming blogging would be. Not only do you write and edit the blog, but there's the taking of photographs; then the uploading of same. Then there's all those wonderful blogs to read and comment on. I doubt I could do this if I worked, so thank goodness I'm retired!
People like it when you respond to their comments on your blog.
Taking photographs wearing different outfits has taught me so much about what suits me; what works and what doesn't; what flatters and what doesn't. Sometimes I have a mental image of what an outfit will look like on - and it may look ok in the mirror - but a more objective perspective can be gained by looking at a photograph of me wearing it.
I've learned that my style and taste in clothes has changed as I've get older. For example, I've learned to love orange and yellow; avoid mid calf length skirts/dresses and the importance of accessories.
I've improved my layering skills and learned to try new things; OTK boots for example.
I spend too much money in the charity shops on clothes.
It's better to concentrate on quality rather quantity when charity shopping.
Invest in padded hangers. I buy them whenever I see them in charity shops at reasonable prices.
As I have too many a lot of clothes I've had to organise them so I can see what I have and therefore wear. I organise my clothes by type; blouses/shirts/tops together for example, then by colour. Occasionally, I find something I have no memory of buying and it's been in the wardrobe for ages hidden between things.
I button at least one button on shirts/blouses when I hang them up to prevent its fellow getting tangled up inside. This is particularly relevant as I have too much a lot on my rails.
It doesn't matter how much storage space I have I will find clothes to fill it.
I usually plan next day's outfit just before I go to bed; although occasionally inspiration strikes sooner - see below. I hang everything up ready for the morning and sometimes I even get the ironing of the outfit done the same evening!
Sometimes an idea for an outfit pops into my mind, and as I can't rely on my memory I have now started to write them down. So far, I've managed to write down 9 outfit ideas since Saturday 14th January 2017; when I first thought to do this. This will be so useful on those occasions when I think "what the heck can I wear today"?
This is what I wore to the Red Cross shop on Monday. Everything is charity shopped except the boots which were bought with Christmas vouchers from Debenhams about three Christmases ago.
Skirt; Â£1.00 rail Barnardo's Great Denham; scarf and lace top charity shopped; green cardigan by Benetton; charity shopped years ago.
Beads, bangles and watch; charity shopped. Earrings, Bedford market.
You may remember that I was trying to keep track of my spending in the charity shops and did it for the month of November. What I learned from this was that I spend far too much and I really want to cut down.
I'm going to spend a weekend in Devon with my friend Hilary at the end of January and at Easter I'll be going to Ireland, so I have an incentive to save as much as I can for these two trips. My plan, therefore, is to a) spend only in the Red Cross charity shop or only on the Â£1.00 rails in any other charity shop; b) don't visit any charity shops on my free afternoons or for a day out - at least not till I get to Devon!
So today I put my plan into action (note it's not a New Year resolution). I bought a pair of green cords at the Red Cross shop for Â£1.00. I have a green pair already, but they're a little too short in the leg and have a miniscule hem so I can't let them down. It will be one pair of trousers in and one pair out. At the 3:16 shop which I pass on my way home I bought; a blue and white striped M &S shirt and an Old Navy blue and white pleated skirt for the summer. Both were a Â£1.00 each.
On Tuesday I was at the foodbank and went to town in the afternoon. On Wednesday, I walked with the group and we walked 6.5 miles from the village of Clophill to Haynes and back. After the walk we went for a meal to celebrate 20 years of Wednesday walking with the Ivel Valley Walkers. I've been walking for almost three years with this group.
This is what I changed into in the car after the walk. The top from New Look was one of the 50p tops I bought on Saturday in the Bedford Garden Carer's charity shop.
Long sleeved brown top F & F, charity shopped. Leggings; M & S, retail; boots Sainsbury's, retail.
All jewellery charity shopped.
On my way back from the meal I drove through Ampthill so I stopped off and had a look in Barnardo's. I was so proud of myself; I only spent Â£1.49 and bought a red pair of capri pants for the summer and a blue spotted top.
Photos by middle grandson
On Thursday I went out for lunch with my friend, Ann. We had a good catch up. It will be a year this Thursday since her husband had a stroke and she has been caring for him ever since. It was good for her to have a break from the house and usual routine.
Everything I'm wearing is charity shopped. Boots, leggings, tunic (M&S) and short sleeved cardigan.
All jewellery charity shopped except earrings; Sainsburys and watch bought with Christmas money from New Look.
Friday was busy. I took the children to school and the youngest grandson had an assembly which I stayed for. When that was over I went for a 6.5 mile walk. The weather was great; cold 2.5 degrees but very sunny and bright. When I came back I changed then went and did the food shopping (booooring). Picked up children from school then took youngest grandson and his dad home after 5. Then there was dinner to make and finally - chill time!
A selfie taken after the assembly - specially requested by grandson!
This is Friday's outfit. Everything charity shopped except boots from Lidl.
Knitted dress; Dorothy Perkins; probably the Red Cross; shirt unknown but charity shopped in the Red Cross. Wine coloured tights charity shopped somewhere...
All jewellery charity shopped except watch which was bought in New Look with Christmas money.
I went to see my son on Saturday and on Sunday I'm hoping to go for a walk and recce my walk for the Ramblers.
Everything charity shopped except the OTK boots - on line retail and the watch, New Look and the necklace which was a Christmas present from one of my brothers about five years ago.
Skirt, M&S; top by Cavita bought in the Mercy in Action Charity shop in Olney last week. Jacket by Country Casuals and bought in the Red Cross for Â£1.99. Scarf; charity shopped.
Do you remember our kitchen? Above is a photo of it after it's makeover in 2006. You can also check out the before and during photos. That makeover involved painting the hideous cabinets, replacing the cabinet hardware, putting glass and lighting in one bank of upper cabinets, painting the walls, installing new counters, putting in a new white sink, and adding decorative accessories. Since 2006, it's gotten pretty shabby and in need of a major overhaul!
Well, 7 years after that makeover, here's how are kitchen looks today...
New Delhi: Many people are in the habit of consuming alcohol and smoking cigarettes, but a journalist-specific study turned out intriguing results.
A research team from the Massachusetts Institute of Technology (MIT) in the US have said that even though all the drinking and smoking can cause journalists' brain to function below par, their love and passion for what they do gives them the power of mental perseverance.
"Journalist's brains compared to other groups showed a lower level of executive functioning â the ability of the brain to regulate emotions, suppress bias, switch between tasks, solve complex problems and think flexibly and creatively," said Tara Swart, professor at MIT.
Swart recruited a group of 31 journalists to carry out a series of tests.
Participants were required to take blood tests, wear a heart rate variability monitor, answer a brain profile questionnaire and record their eating and drinking habits.
Researchers found that the highest functions of journalists' brain were operating at a lower level than the average population.
This was driven by a number of factors including high levels of alcohol, sugar and caffeine consumption (41 percent of the journalist drank 18 or more units of alcohol a week).
Researchers also found that dehydration affected brain function, as less than five per cent of journalists drank enough water.
The job of a journalist is more often than not, a pressurising one, but that doesn't affect them, say researchers. Their ability to endure and bounce back from adversities in the long term is stronger than ever, because journalists believe that their work has meaning and purpose, giving them an edge over other professions by helping them cope with pressurised work and increasing their mental resilience, they said.
Similar studies in groups of bankers traders, telecom and sales executives show that they are less able to cope with pressure than journalist are.
"It's been great to see the role that meaning and purpose plays in achieving mental resilience. There is more that journalists can do to achieve peak performance â implementing a few really simple changes to help their brains perform even better," Swart said.
BÃ¥de fotoalbum og hjernebark er tapetsert med solfylte Ã¸yeblikk drapert i kakao og kvikklunch, appelsin og latter, med englebarn som suser bÃ¥de opp og ned bakker uten Ã¥ mukke. I vÃ¥r fantasi er det nÃ¸yaktig slik en vinterferie er. BÃ¥de nÃ¥r ferien omtales i ettertid og i fremtid, bare ikke i nÃ¥tid....
For nÃ¥r man er midt oppe i en vinterferie sÃ¥ merker man seg gjerne at det for hvert memorable blinkskudd finnes hundrevis av fortrengende vÃ¥deskudd; Dagevis med pakking, uendelige bilturer, umulige GPS-koordinater, ufortjente fartsbÃ¸ter, bunnskrapte bankkontoer, sutrende unger, misfornÃ¸yde koner, vÃ¥te sokker, forbyllede gnagsÃ¥r, bakglatte ski, snÃ¸ i hanskene, solbrente Ã¸reflipper, tÃ¸rre brÃ¸d, iskalde utedo, sÃ¸kkvÃ¥t ved, omgangssyke i fremmed seng, hemser uten stÃ¥hÃ¸yde, bleier som lekker, manglende vaskemaskin, skittent snÃ¸-smeltevann, fleezegensere marinert i steke-os fra lammelÃ¥r, voksne som tisser pÃ¥ potte, 7 dagers svettelukt lagvis fordelt mellom iskald Palmolive... osv, osv, osv...
Som dere kanskje forstÃ¥r har Blomsterstjernen nettopp kommet hjem fra vinterferie... Og for hver dag som gÃ¥r viskes de forglemmelige Ã¸yeblikkene diskret ut av minnet, samtidig som de uforglemmelige Ã¸yeblikkene forsterkes og glorifiseres til evig tid.
Etter kun 2 dager pÃ¥ jobb tenker Blomsterstjernen tilbake pÃ¥ ferien som Ã¥rhundrets vinterferie! Sol fra morgen til kveld, deilig mat, hyggelig selskap, sjarmerende tÃ¸mmerhytte, fantastiske barn, nydelige skiturer pÃ¥ drÃ¸mmefÃ¸re.
Det er kun ett negativt minne som fremdeles gjenstÃ¥r... Forbrytelsen!
For til tross for sin slÃ¥ende likhet med nr 767-167 i B-gjengen, er Blomsterstjernen en temmelig lovlydig mann. SÃ¥ ogsÃ¥ nÃ¥r han kjÃ¸rer bil. I 50-sonen ligger han derfor konsekvent mellom 50-52 km/t, i 60-sonen mellom 60-63 km/t, mens han i 80-sonen av og til kan frekke seg opp mot svimlende 86 km/t!!! (Hold dere fast). Dette gjelder selvsagt bare i 9 av 10 tilfeller.
PÃ¥ vei til vinterferien inntrÃ¥dte uheldigvis det tiende tilfellet akkurat nÃ¥r det ikke skulle inntreffe...
I en 80-sone rett etter Voss havnet Blomsterstjernen typisk nok (ref) bak en trailer som knapt klarte Ã¥ holde 40 km/t i oppoverbakke (!). Men veien var smal, kronglete og glatt. Blomsterstjernen holdt seg i skinnet. "Vi har ikke hastverk" smilte han mens han luntet avgÃ¥rde i et pÃ¥tvunget snegle-tempo verden aldri har sett maken til. Bak ham hamret det pÃ¥ med rusende, brÃ¸lende biler i kÃ¸ som konstant prÃ¸vde Ã¥ finne smutthull der de kunne forbipassere bÃ¥de den maskerte herremann og den forbaskede snegle-trailer. Uten hell. Veien var for smal, for glatt, for farlig.
Endelig var bakketoppen nÃ¥dd. Endelig ble veien oversiktlig, bred og tÃ¸rr. Og endelig satte traileren inn syvende gir og suste fra kÃ¸en i hundrevis av kilometer i timen, kun blÃ¥rÃ¸yken hang igjen. Blomsterstjernen vÃ¥get seg opp i hele 87(!!!), vel vitende om at speedometeret normalt viser 4-5 km/t for mye...
Men uansett hvor mye han gasset, sÃ¥ ville bare ikke den uendelige halen av irritable biler slippe taket, til tross for denne svimlende fart. Blomsterstjernen fungerte nÃ¦rmest som hode pÃ¥ en illsint susende, tutende, brÃ¸lende Midgardsorm.
Men sÃ¥ kom 60-sonen... Lovlydig bremset hÃ¦rfÃ¸reren ned farten. Kanskje ikke helt ned i 60 blank... men sÃ¥ langt ned han fÃ¸lte var forsvarlig med dette illsinte vendetta-hungrige bilfÃ¸lget pÃ¥ slep. Og det var da det skar seg noe sÃ¥ skjebnesvangert. "NEI!!!" ropte konemor. "Politikontroll!!!". Som eneste bil i fÃ¸lget ble Blomsterstjernen vinket til side. Midgardsormens hale luntet glisende uskyldig forbi... Noe sÃ¥ sjofelt!?!
"Du kjÃ¸rte nok litt for fort" sa den hyggelige politimannen. "Umulig, speedometeret viser jo 4-5 km/t feil?" parerte en betuttet stjerne. "Mulig det, men vi har ogsÃ¥ trukket fra 4 km/t i feilmargin pÃ¥ mÃ¥lingen vÃ¥r. Din fart reduseres derfor fra 72 km/t til 68 km/t..." Stjernen var svar skyldig. Han var blitt presset frem som uÃ¸nsket hÃ¦rfÃ¸rer for solhungrige Porcher, Mercer og Volovoer - som alle slapp unna! Selv den lynraske traileren hadde blÃ¥st ubemerket forbi politikontrollen!
Men sÃ¥nn er det Ã¥ vÃ¦re hÃ¦rfÃ¸rer. Man tar rosen nÃ¥r det gÃ¥r bra, og stÃ¸yten nÃ¥r det gÃ¥r galt. Hadde man bare blinket meg inn til siden og tatt til takke med stillingen som pil-og-bue-skytter..? Men Blomsterstjernen var herskesyk! Heldigvis var straffen overkommelig. 1600,- sure kronestykker. Tilsvarende 133 pakker Kvikklunch... Gulp!
Men sÃ¥nn er det. BÃ¸ter skal svi! Og heldigvis ble det betraktelig bedring allerede neste dag! Ihvertfall sett med et etterpÃ¥klokt renset sinn.
Golsfjellet leverte tross alt en ultra-fantastisk vinterferie! Vi kommer gjerne tilbake! Da helst uten fartsbot...
Hvor er ditt vinterferieparadis?
Uansett. Hold fartsgrensen, blink til siden, nyt livet.
P.S. Det er absolutt ikke Ã¥ anbefale at konemor finner bilde av en ukjent lettkledd blondine pÃ¥ din telefon akkurat i overgangen mellom 80-sone og 40-sone med pÃ¥fÃ¸lgende fartsdump... Uansett hvor rent mel man har i posen :)
As 2007 winds down, thoughts naturally turn towards what might lie ahead. Meals rich in high-carb tubers, perhaps? That's what the United Nations would like everyone to contemplate throughout 2008, which it is designating the International Year of the Potato.
Farmers now harvest more than 300 million tons of potatoes (Solanum tuberosum) worldwide. That makes it the fourth biggest food crop, trailing only corn, wheat, and rice.
For 8,000 years, the humble potato has been a staple in the South American Andes, its homeland. Spanish adventurers encountered the New World crop roughly 500 years ago and brought various types back to Europe. Today, potatoes are cultivated not only throughout the Americas, but also from China's uplands to India's subtropical lowlandsâeven on Ukraine's arid steppes.
A testament to the potato's Western roots, production of this crop in the States and southward leads the world. Fully 40 percent of the 2006 potato harvest came from North America, with Latin American farmers contributing another 16 percent.
However, appreciation for this nutritious starch within developing countries outside of the Americasâespecially in Asiaâhas been growing steadily, with production of the crop in those regions climbing some 5 percent annually. Indeed, 2005 marked the first time in recent history that production of potatoes in the developing world exceeded that in developed nations.
Although most people think of potatoes as a commodity, in fact, more potatoes are processed to make fast foods, snacks, and convenience items than are sold fresh in the market place. Today, China is the leading producer of spuds, followed by the Russian states and India. International trade in potatoesâworth $6 billion annuallyâhas also been growing within developing nations.
You might then ask why, with all of this pre-existing global interest in potatoes, the UN feels compelled to devote a year of workshops, research contests, and other focused attention on this one particular food. And the reason, the UN's Food and Agricultural Organization argues, is that much of the spud's potential to feed the poor remains untapped.
For instance, although Asians eat nearly half of the world's potatoes, per capita consumption even in Asia remains modestâjust 25 kilograms per year, or roughly 45 percent of U.S. consumption and just 27 percent of what's typical in Europe.
Even were potatoes to win greater respect for their nutritional attributes and ability to serve as industrial feedstocks, they couldn't necessarily make a big contribution in new regions of the world without significantly more research. The tubers are vulnerable to a host of major diseasesâlike the one that set off Ireland's 1845 potato famine. Some varieties of potato are especially resistant to particular diseases, but may not grow well in new regions of the world or taste that yummy.
That's where potato scientists come in. They can identify the climate, soil types, day length, and native diseases with which any new potato crop would have to contend. Then they'll cross lines of wild or cultivated spuds to develop ones with traits that will allow them to thrive outside the Americas. The good news, the UN program notes: "The potato has the richest genetic diversity of any cultivated plant." So there's plenty of potential to tailor a new cultivar to meet the needs of farmers in most places on the globe.
But the potato's biggest advantage, according to the International Potato Center, based in Lima, Peru, is that it yields more food, more quickly, on less land, and in harsher climates than any other major crop. Up to 85 percent of the plant is edible, compared to only about 50 percent for cereal grains. Moreover, the Center notes, potatoes "are ideally suited to places where land is limited and labor is abundantâconditions in much of the developing world."
To help get this word out to agricultural agencies in parts of the world not already turned on to spuds, and from them to farmers, the International Potato Center will be sponsoring a March 2008 meeting: Potato Science for the PoorâChallenges for the New Millennium (http://www.cipotato.org/Cuzco_conference/). Those who attend will have the opportunity to explore the possibility of cooperating to fine tune existing potatoes into higher-yielding varieties.
The International Potato Center's gene bank safeguards the largest biodiversity of potatoesâ7,500 different varieties, of which 1,950 are not cultivated. Research on spuds, especially studies aimed at fostering food security and the alleviation of poverty, have become a focus for the center.
With all of this talk of potatoes, are you hungry yet? The UN program has so far identified 172,000 web pages containing recipes for using potatoes. Stay tuned, it says: "We will gather the best of them" and share them on the Year of the Potato website.
If you would like to comment on this Food for Thought, please see the blog version.
International Year of Potato (IYP) Secretariat
Food and Agriculture Organization of the United Nations
Viale delle Terme di Caracalla
International Potato Center
Apartado Postal 1558
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______. 1998. Taters for tots provide an edible vaccine. Science News 153(March 7):149. Available at [Go to]
Speaker(s): Howard Davies | In the 6th of an annual series of lectures, Howard Davies reviews the development of the Chinese financial system over the last year. He has been a member of the International Advisory Board of the Chinese banking regulator since 2003 and has observed the dramatic changes in Chinese banks at first hand. The Chinese system has been remarkably insulated from the crisis. What does that mean for the future? Will China turn its back on free-market financial reform? Howard Davies is director of LSE. Prior to this, from 1997-2003 he was Chairman of the Financial Services Authority, the single regulator for the UK financial sector, which was created under his leadership from nine separate regulatory agencies. From 1995-1997 he was Deputy Governor of the Bank of England. His latest books include The 'Financial Crisis: Who is to Blame?' and 'Banking on the Future: the fall and rise of central banking'.
Speaker(s): Howard Daves, Robert Peston | There is still no consensus on who or what caused the financial crisis which engulfed the world, beginning in the summer of 2007. A huge number of suspects have been identified, from greedy investment bankers, through feckless borrowers, dilatory regulators and myopic central bankers to violent video games and high levels of testosterone among the denizens of trading floors. There is not even agreement on whether the crisis shows a need for more government intervention in markets, or less: some maintain that government encouragement of home ownership lay at the heart of the problem in the US, in particular. In this public event to mark the launch of his new book 'The Financial Crisis: Who is to Blame?' Howard Davies charts a course through these arguments, and the evidence advanced for each of them.
Speaker(s): Howard Davies and Paul Volcker | Howard Davies is director of LSE. Prior to this, from 1997-2003 he was Chairman of the Financial Services Authority, the single regulator for the UK financial sector, which was created under his leadership from nine separate regulatory agencies. From 1995-1997 he was Deputy Governor of the Bank of England. His latest book is Banking on the Future: the fall and rise of central banking, written with David Green, which will be launched at LSE at a public debate on 12 May.
Speaker(s): Howard Davies, David Green | Not long ago, national central banks were endowed with wide-ranging authority, enormous prestige, and a high degree of independence. Today, in the aftermath of the global financial crisis, rethinking their functioning and their modus operandi is both natural and needed. Howard Davies and David Green write on this issue with authority, reflecting their practical experience, political sensitivity, and high analytic skills.
Speaker(s): Howard Davies | Howard Davies sits on the International advisory councils of the China banking and securities regulatory commissions. In the fifth lecture of an annual series he reviews the progress of reform in china's financial markets, and the implications for the rest of the world.
Speaker(s): Howard Davies, Stephen Green | As the world's financial order is in a state of flux, how do we align our desire to improve material human wealth, and capitalism, with our spiritual and psychological needs? Do businesses and banks in particular have a duty to society that goes beyond the creation of profit? Does open market capitalism remain our best hope for creating wealth that benefits all of society? Green and Davies discuss history, politics, religion and economics. This event marks the launch of Stephen Green's book Good Value.
Speaker(s): Howard Davies | Howard Davies is working on a book about the future of central banking to be published in 2009 by Princeton University Press. He will assess the ways in which central banks around the world have responded to the credit crisis and what that implies for their role in financial sector regulation in the future. Howard Davies is Director of the London School of Economics and Political Science (LSE). Prior to this, from 1997-2003 he was Chairman of the Financial Services Authority, the single regulator for the UK financial sector, which was created under his leadership from nine separate regulatory agencies. From 1995-1997 he was Deputy Governor of the Bank of England.
Speaker(s): Howard Davies | Howard Davies sits on the International advisory councils of the China banking and securities regulatory commissions. In the fourth lecture of an annual series he reviews the progress of reform in china's financial markets, and the implications for the rest of the world. Howard Davies is Director of the London School of Economics and Political Science (LSE). Prior to this, from 1997-2003 he was Chairman of the Financial Services Authority, the single regulator for the UK financial sector, which was created under his leadership from nine separate regulatory agencies. From 1995-1997 he was Deputy Governor of the Bank of England.
Speaker(s): Howard Davies, David Green, John McFall, Sir Steve Robson, Gillian Tett | As international financial markets have become more complex, so has the regulatory system which oversees them. The Basel Committee is just one of a plethora of international bodies and groupings which now set standards for financial activity around the world, in the interests of investor protection and financial stability. These groupings, and their decisions, have a major impact on markets in developed and developing countries, and on competition between financial firms. Yet their workings are shrouded in mystery, and their legitimacy is uncertain. Howard Davies was the first chairman of the UK's Financial Services Authority, the single regulator for the whole of Britain's financial sector. He was a member of the main international regulatory committees for several years, and is now director of the London School of Economics and Political Science (LSE). David Green was head of International Policy at the FSA, after 30 years in the Bank of England, and has been particularly closely associated with the development of the European regulatory system. He now advises the Financial Reporting Council. John McFall MP is Chairman of the Treasury Select Committee of the House of Commons since 2001. He was re-elected to this post in October, 2005. In 1997 John served as a Government Whip and in July 1998 he was appointed Parliamentary Under Secretary of State in the Northern Ireland Office. His portfolio included responsibility for the Department of Education, Community Relations, the Training and Employment Agency and the Department of Health and Social Services and the Department of Economic Affairs. Sir Steve Robson is a former senior UK civil servant, who had responsibility for a wide variety of Treasury matters. His early career included the post of private secretary to the Chancellor of the Exchequer and secondment to ICFC (now 3i). He was also a second permanent secretary of HM Treasury, where he was managing director of the Finance and Regulation Directorate. He is a non-executive director of JP Morgan Cazenove Holdings, RBS, Xstrata Plc, The Financial Reporting Council Limited and Partnerships UK plc, and a member of the Chairman's Advisory Committee of KPMG.
Speaker(s): Howard Davies | Three of China's big four banks are now quoted on the Hong Kong exchange. Full World Trade Organisation membership is around the corner, but some in China are now calling for a halt in the reform programme. What can we expect in the next year?
WITH public opinion soured on the merits of European unity, European Community leaders hope to ``relaunch Europe'' with a special summit tomorrow celebrating ratification of the long-awaited Maastricht Treaty.
``It's important to get the public thinking in terms of Europe again,'' says one Belgian Foreign Ministry official.
But the celebration risks being seen as irrelevant by much of the public it targets, as Europeans worry about record-high unemployment, challenges to their infant-to-elder social-welfare system, and instability on the continent's eastern borders.
``In Germany, at least, people are thinking about their job security, while published opinion is wondering about the future course of Russia, and neither one sees how the EC can have a major impact on those concerns,'' says Josef Janning, deputy director of the research group on Europe at the University of Mainz in Germany. ``People are seeing such issues less in European and more in national terms.''
The Maastricht Treaty, an ambitious blueprint for providing the EC with a monetary union and a common foreign and security policy by the latter part of the decade, was supposed to have been ratified and the process of its implementation begun in January 1992. That the treaty was not fully ratified until this month, when the German constitutional court finally approved it, provides a measure of the public doubt about Maastricht's goals.
In the two-year delay, Maastricht was battered by an initial outright rejection by Danish voters in a referendum, plus rough ratification battles in Britain and France. The European currency crises of October 1992 and this past summer mocked the monetary union goal, while the EC's weak and disjointed response to the war in Bosnia-Herzegovina posed deep questions about the feasibility of a common foreign policy. Operation `restore stature'
Tomorrow's summit, held in Brussels, is a German-French initiative to try to restore both Maastricht's and Europe's public stature. But even in France, where regard for the Community runs high, doubts are strong about what this summit can accomplish.
``No one should expect much of anything concrete out of this summit,'' says Phillipe Moreau-Defarges, an EC specialist at the French Institute of International Relations in Paris. ``There's too much division among the EC countries for decisions to be made.''
One possible area of action that Mr. Moreau-Defarges cites provides a good example of the Community's current lack of a common vision. The summit could give a new boost to earlier economic ``growth initiatives'' that have had trouble getting off the ground, he says.
Elsewhere in Europe, where public spending is already causing record debts, and where skepticism is strong over the actual impact of large public-works programs, enthusiasm for such proposals is slight.
``The German public is definitely not in favor of this kind of centralized program to rebuild Europe's economic strength,'' Dr. Janning says. ``People in Ireland or Portugal may see Brussels [EC headquarters] as a guarantor or creator of jobs,'' he adds, since those countries receive substantial EC development funds, ``but they certainly don't in Germany.''
Germany and France also had wanted to take up another issue at the summit: Community institutional reforms. The larger countries feel their power is too limited by the generally equal rights of smaller members, and concern is growing that the Community's enlargement to include three or four new small members by 1995 will further tilt the balance and generally render the Community more bureaucratic and plodding. Putting off reform
German proposals for streamlining the EC administration met with staunch resistance from small members, and reform will likely be put on hold until the next EC treaty review in 1996.
To demonstrate that Maastricht is now in force, EC leaders are expected to prepare the next stage of economic and monetary union by launching the European Monetary Institute, ``embryo'' of a future European central bank. The institute's location in Germany is likely to be approved, a move that could open the way for decisions on the placement of several other new EC institutions, including a patent office and environmental agency.
Still, there is a lingering feeling that Maastricht, negotiated in 1990, is a treaty already left behind by European events. ``By spring of next year we may very well have a new imperial Russia to contend with, something never imagined when Maastricht was written,'' Janning says. ``Economies are seen more in national terms. [Community] leaders will have to work hard,'' he adds, ``to demonstrate that Maastricht is relevant in these conditions.''
Artists Kenneth H. Ober and Renee A. Fox both graduates of Otis College of Art and Design in Los Angeles participated in and were instrumental in organizing the very first Inglewood Artist Artwalk and Open Studios in October of 2007. Â One may visit their website by clicking www.rafkhostudios.com Â Â Â Â Â Â Â Â
Photo by Ginger Van Hook, 2007
Renee Fox poses in front of one of her paintings exhibited in the Gallery 825 in Los Angeles, located at 825 La Cienega, hosted by the Los Angeles Art Association (LAAA) in conjunction with the 90th Anniversary Celebration for Otis College of Art and Design.Â
Photo by Ginger Van Hook, 2008
Kenneth H. Ober, graduate of Otis College of Art and Design, Artist and Painter participating in the Inglewood Artwalk Open Studios Tour November 8th, 2008.
Kate Harding participated in the very first Inglewood Artwalk Open Studios Tour on October 13th, 2007. Kate Harding was born in Martinsville, Indiana. Before she was old enough to start school, she would draw while her mother painted realistic wildlife and landscape paintings. While in kindergarten, in 1986, Harding became the youngest person to ever hold a U.S. Patent, when she won The Weekly Reader National Invention Contest. Her invention, the "Mud-Puddle Spotter", took her to New York City for the first time, where she was on Late Nights with David Letterman. Â After High School, Â Harding moved to New York City to study fashion design at the Fashion Institute of Technology, but after a year and a half of fashion classes, found herself painting in her dorm room into the early hours of the morning. Taking the hint, she changed her major to fine art and received her Associate degree from FIT in 2001, then moved to Los Angeles to attend Otis College of Art and Design, receiving her bachelor of Fine Art Degree in Fine Arts in 2003. Â Currently she is an artist practicing in Inglewood.Â
The First Annual Inglewood Artist Artwalk and Open Studios Tour October 13, 2007 Â drew a number of participating artists and residents to view the studios and the artists studio spaces. Pictured from left to right are visiting artist Luke Van Hook, Mrs. Anderson, Sean Anderson and Isis and Sebastian, friends of Sean's. In the Anderson studios the artwork reflected paintings by both of the Anderson brothers, Benjamin and Sean. Â Work from these two artists may be viewed by visiting www.benjaminanderson.com and www.seananderson.com. Â Art by Luke Van Hook may be visited by clicking on www.lukevanhook.com.
Artist Benjamin Anderson is pictured with his wife and child to be (October 2007). Benjamin stated that the latest addition of art they were blessed with was a baby boy they named Luke Anderson. Benjamin Anderson is currently participating in the Inglewood Artist Open Studios Tour on November 8th, 2008. Â Photo by Ginger Van Hook, 2007
Sean Anderson, posing by his artwork, Inglewood Artist Artwalk Open Studios, 2007.Â
Photo by Ginger Van Hook
Benjamin and Sean Anderson, Inglewood Open Studios Tour, October 13, 2007.
Benjamin Anderson poses in front of one of his original paintings, October 13, 2007, Inglewood Artist Open Studios, First Annual. Â
Photo by Ginger Van Hook, 2007
INGLEWOOD ARTISTS OPEN STUDIO second annual show!
Itâs time for another open studios in Inglewood on Saturday the 8th of November.
THERE ARE quite a few more artists involved this year,Â
so IT should be a good opportunity to have a behind the scenes look into some great artistsâ¦
(and possibly get some very affordable deals for the holidays)
To see the blog go to: http://inglewoodopenstudio.blogspot.com/
Inglewood Open Studios : 15 locations around Inglewood
Saturday November 8th, 2-7pm
Locations throughout Inglewood â see on-line map:
Inglewood Open Studios is an all day event in which artists, with studios in Inglewood, will open their working spaces to the public. Recent work of these artists will be on view. Although Inglewood is not known for art, it has a sizable and vibrant artist community. There are also public art treasures throughout the city, such as Helen Lundeberg's 1940 mural "The History of Transportation", a detail of which is being used as the image for the 2008 Open Studios. Maps to Inglewood public art locations will be available at all participating studios.
Conceptually and materially diverse, these artists have the most common thread of proximity, however, they are also joined by the sense of a supportive community. Inglewood artists are professionals, teachers, business owners and students. A few are alumni of Otis College of Art & Design, whose modern campus is, like Inglewood, in the "Airport Area", but located in neighboring Westchester. Inglewood boasts a variety of commercial spaces amidst residential areas, perfect for artists, some of which can be seen on November 8th.
On Saturday, November 8th from 2pm-7pm, more than twenty artists will open their studios throughout the neighborhood. Maps, like the one attached, will be available at all sites, showing numbers of the locations of all studios open for the event. Each studio will display a large number on the outside of their building, to make them easy to find. Street parking is readily available throughout the city although visitors are urged to pay attention to street parking signs.
Drawing composed by Los Angeles Artist Steven Bankhead for his show at Circus GalleryÂ
April 5th - May 10th 2008 titled Â "Battery" visit: Â Â www.circus-gallery.com 323-96208506
Writer and Photographer Ginger Van Hook photographed beside her husband, Artist and Painter, Luke Van Hook, August 2008 for Luke Van Hook's show "Circle in the Square" exhibition at the Brand Library Art Gallery August 2nd, 2008. Â Ginger and Luke Van Hook plan to attend the Inglewood Artists Second Annual Artwalk and Open Studios Tour November 8th, 2008. Â Both Luke and Ginger Van Hook work in their Inglewood Studio inÂ
Los Angeles County, California. Visit them online at www.lukevanhook.com and www.gingervanhook.com as well as www.enildeingelsvanhook.comÂ
Photo courtesy of Â Peter Bolten, 2008
Artists practicing and working in Inglewood have opportunities to buy supplies close by atÂ
CKS ARTIST PRODUCTSÂ
(A business run by artists for artists)
Â 1111 and 1115 North La Brea Avenue, Inglewood, California 90302-1212Â
One of the very nice aspects of Blogger is that you can add banner advertising to your Blogger blog (Blogspot blog). Placing a few banners on your blog will allow you to make money and encourage you to stay committed to your blog as well.
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How Do I Make Money by Adding Banners to My Blog? When a visitor clicks on a banner on your blog you will make money. If the banner is a pay per click banner such as Google Adsense and Chitika you will make money for every click. You can even have both Chitika and Google Adsense on the same page as Chitika ads are non-contextual. If you use Chitika as well that will 2 ways to make money instead of just one.
When a visitor clicks on an affiliate banner such as the banner below and makes a purchase you earn a commission or a percentage of the sale. Some merchants pay you for referrals so if the visitor signs up you make money. This is known as affiliate marketing and it is a very common way to make money with Blogger other than using pay per click programs like Google Adsense.
Sign up with other advertising programs like Chitika which you can use in conjunction with Google Adsense
Sign up for alternatives to Google Adsense such as Widget Bucks, Linkworth and Adbrite and get their code. Even if you never advertise with them they have affiliate programs worth taking a close look at.
In this article I have explored how you might start making money with blogging using banner advertising and a Blogger blog (Blogspot blog). You will earn money by placing pay per click ad units like Google Adsense and Chitika on your blog which pay for every click. You will also earn extra money by adding affiliate marketing banners from the likes of Linkshare. You can even increase the ways to make money by having both Chitika and Google Adsense ad units together with affiliate marketing banners. Begin today by creating your free blogger account or if you already have one why not follow this helpful guide on the basics of adding Google Adsense to a Blogger Blogspot blog.
Wer bisher einen Ratenkredit aufgenommen hatte, musste im Regelfall immer einen hÃ¶heren als den ursprÃ¼nglichen Kreditbetrag an die Bank zurÃ¼ckzahlen. SchlieÃlich werden Zinsen berechnet, die auf die Kreditsumme aufgeschlagen werden. Durch das niedrige Zinsniveau der vergangenen Jahre ist dieser Betrag allerdings stetig gesunken. Nach aktuellen Internetangeboten verzichtet die erste Bank jetzt vollstÃ¤ndig auf Zinszahlungen und […]
------------ Note 1: Well, I did a post on Oscars last year, so I am going to do one every year now. Talk about being clingy, heh.
Note 2.0: Post 2.0 is going to be bigger and better, aww yeah! ------------
It hasn't been a stellar year for movies compared to the previous year, neither there nor here. A year of massive snubs too (I weep for you, Coen brothers, Tom Hanks, Emma Thompson). '12 years a slave' emerges as the 'Lincoln' from last year, and TEN nominations for 'American Hustle', are you effing kidding me?! The race is wide open (which makes it mildly interesting), and my prediction is that this year predictions in general are going to go for a toss. My sentiments for this year's Oscars are best summarized by the movie nominated this year for Makeup and Hairstyling, a movie that will be selling DVDs with 'Oscar nominee' plastered on its cover - 'Jackass Presents: Bad Grandpa'.
The complete list of nominations is available here. This is going to be a difficult year for predictions, so whenever in doubt, I will stick to a golden rule - snub American Hustle!
Her was a surprise (and deserving) nomination for this category, and the minimalism in the look and feel of the movie only goes on to show how much thought was put into it. Oh, and yes, F. U. American Hustle.
From Her: "Your past is just a story you tell yourself."
While I really wish Thomas Newman, after being nominated 11 times before this (including WallÂ·E), won this one for his great score in a music-heavy Saving Mr. Banks, I feel Steven Price deserves this one. Check it out.
Best Achievement in Music Written for Motion Pictures, Original Song
This is a tough one to pick, between 'Ordinary Love' and 'Let it go'. I do want to see U2 win, after they didn't win the last time they were nominated. And while you are at it, 'The Moon Song' from 'Her' is absolutely heart-breaking.
Synopsis Here are ten fantastic reasons that explain why self-publishing is a great business to get into. Now, more than ever before, self-publishing can be a fascinating and profitable way to improve your career, your bank account, your self-esteem, and … Continue reading →
In the past, trying to get a loan was a complicated process, one that required you to gather personal financial documents and discuss your borrowing needs with a banking expert. Because of advancements in the industry and modern technology, an internet connection is all you need to get a loan these days. Not only is
Since the financial meltdown of 2008, banks have made it harder for consumers to obtain cash loans unless the loan is secured by a tangible asset. Therefore, although banks are still willing to finance vehicles, homes and other large-ticket items, obtaining unsecured, small-dollar cash loans can be difficult or impossible. The natural question that often
REDAKSIINDONESIA-Wajah Presiden Joko Widodo (Jokowi) dan Perdana Menteri (PM) Singapura Lee Hsien Loong terlihat sumringah saat mereka bertemu di Wisma Perdamaian, Semarang dalam rangka peresmian Kawasan Industri Kendal (KIK), Jawa Tengah, Senin (14/11). Proyek KIK bernilai Rp7 triliun yang dibangun sejak 2012 itu terasa istimewa karena diresmikan oleh dua kepala pemerintahan.
Padahal, nilai proyek ini lebih kecil dari Tol Cikopo-Palimanan yang didanai investor negeri jiran, Malaysia sebesar Rp13 triliun. Peresmian jalan tol tersebut hanya disaksikan duta besar Malaysia.
Kedatangan PM Lee ke Semarang memang bukan hanya urusan peresmian KIK yang sebagian didanai investor Singapura. Acara seremoni ini bagian dari balutan kegiatan pertemuan tahunan pemimpin kedua negara (leaders retreat) yang sempat diagendakan 25 Agustus tapi tertunda dua bulan lebih, karena masalah kesehatan PM Lee.
KIK merupakan usaha patungan antara Graha Buana Cikarang, anak perusahaan PT Jababeka Tbk dengan perusahaan asal Singapura Sembcorp Development Indonesia Pte. Ltd., anak perusahaan Sembawang Development Ltd, yang merupakan bagian dari jejaring gurita bisnis Temasek.
Hadirnya Singapura di KIK tak hanya sebatas membangun kawasan industri saja. Kawasan ini ditaksir bisa menyerap investasi Rp160-200 triliun dari pabrik-pabrik yang berdiri. Industri yang sudah masuk di KIK berasal dari Indonesia, Singapura, Malaysia, dan Jepang dengan berbagai sektor seperti industri furnitur, makanan, dan baja, juga industri elektronika, otomotif, dan kimia dasar, yang bakal menyerap 500.000 tenaga kerja..
KIK yang berlokasi di Kecamatan Kaliwungu dan Brangsong, Kabupaten Kendal, Jawa Tengah ini memiliki total lahan pengembangan tahap pertama seluas 996,4 hektar dari total 2.700 hektar. Di sekitar kawasan telah terintegrasi pelabuhan laut Kendal, Pelabuhan Tanjung Mas dan stasiun kereta api untuk memudahkan arus barang.
Kawasan ini terletak sekitar 21 km dari sebelah barat Semarang, 20 km dari Bandara Internasional Ahmad Yani, dan 25 km ke Pelabuhan Tanjung Emas. Pembangunan KIK di luar dari program pembangunan 14 kawasan industri baru yang digagas pemerintahan Jokowi untuk periode 2015-2019.
KIK menjadi simbol baru hubungan kedua negara. PM Lee juga berkomitmen untuk terus meningkatkan kerja sama di lima bidang yaitu investasi di kawasan Batam, Bintan, Karimun, serta kawasan lain di Indonesia.
Kedua kepala negara juga sepakat bekerja sama di bidang pariwisata antara lain membuka jalur pelayaran kapal pesiar. Indonesia-Singapura juga bekerja sama dengan sektor energi, dalam proyek 35.000 MW. Juga ada penjajakan pembentukan sosiasi bisnis Indonesia-Singapura, demi meningkatkan hubungan bisnis antarkedua negara. Mereka juga sepakat untuk kerja sama di bidang pencegahan terorisme, di luar persoalan investasi.
Investasi yang Menyatukan
Kerja sama yang penuh dengan âbunga-bungaâ ini memang jadi pemberi aroma di tengah hubungan panas-dingin kedua negara yang sempat diwarnai ketegangan soal isu asap kebakaran hutan hingga terakhir soal kebijakan amnesti pajak.
Sebelum KIK, Singapura sudah masuk ke berbagai lini investasi termasuk pengembangan Pelabuhan Kalibaru, Jakarta Utara. Berdasarkan catatan Badan Koordinasi Penanaman Modal (BKPM) dari realisasi investasi penanaman modal asing (PMA) 2015 sebesar 29,2 miliar dolar AS, uang yang bersumber dari investor Singapura mencapai 5,9 miliar dolar AS atau hampir 20 persen dengan 3.012 proyek atau investor terbesar di Indonesia. Jumlahnya setiap tahun ada tren naik, dibandingkan 2011 yang masih 5,1 miliar dolar AS.
âSepanjang Januari-September 2016 jumlah investasi Singapura ke Indonesia mencapai 7,1 miliar dolar AS, mengalami kenaikan 44 persen dibanding periode yang sama tahun sebelumnya,â kata Presiden Jokowi.
Bila dihitung dalam enam tahun terakhir, investasi Singapura ke Indonesia totalnya sudah mencapai 32 miliar dolar AS. Angka ini sudah setara dengan total investasi asing yang masuk Indonesia dalam setahun. Namun, memang uang yang masuk ke Indonesia dari Singapura lewat investasi belum ada apa-apanya bila dikaitkan dengan jumlah uang orang Indonesia yang diparkir di perbankan Singapura. Reuters pernah menulis ada sekitar 200 miliar dolar AS uang orang Indonesia yang disimpan di perbankan negeri singa atau setara 40 persen aset perbankan mereka.
"Saya senang dapat mengunjungi Kawasan Industri Kendal. Kawasan Industri Kendal ini merupakan ikon baru kerja sama bilateral antara Republik Indonesia dengan Singapura," kata Jokowi dilansir dari Antara.
Pernyataan Jokowi ini, tentu menyejukan bagi Singapura. PM Lee juga secara tersurat dengan bahasa diplomatisnya ingin mendorong kemajuan Indonesia dengan berbagai kontribusi investasi lebih besar lagi dari negaranya.
âEkonomi kita begitu terjalin erat. Jika kondisi Indonesia baik, Singapura juga akan ikut baik. Inilah mengapa Singapura ingin Indonesia sukses,â kata PM Lee dikutip dari channelnewsasia.com.
Ucapan-ucapan diplomatis Jokowi dan Lee seakan menghapus masalah amnesti pajak yang belum lama ini mencuat. Investasi telah menjadi perekat kedua negeri jiran, karena kepentingan keduanya saling membutuhkan.
Barangkali investasi Singapura yang masuk ke Indonesia bisa menutup apa yang selama ini diincar Indonesia melalui repatriasi pajak yang masih minim dari Singapura untuk tujuan pembangunan. Dengan investasi diÂ Kendal di Jawa Tengah, Singapura melalui PM Lee seolah sedang mengambil hati dengan diplomasi investasi ala Singapura.(tirto.id)**
I donât carry physical money if I donât have to. And luckily, thanks to bank cards and contactlessÂ forms of payment, Iâm able to keep my wallet at home more and more. However, itâs obvious that thereâs still a need for cash â not every shop or person accepts digital transactions. Unfortunately this means that the foreseeable future still holds possibilities for counterfeiters constantly finding new ways to copy the bills. To combat this problem, national bank are improving theÂ banknotes they issue to making them harder to recreate. The Reserve Bank of Australia recently released their new $5 banknotes and theyâre…
I don't normally do these as what I have to say is not very interesting. Yes I could rant and rave that I'm not losing weight like I want...but why?? I know what the problem is this time....not having enough good food to eat but when things get tough I don't eat right because I can't afford it.
Yeah yeah I've heard all the stuff before too. It doesn't cost that much more. You can do it.
But what if you can't? I've been living off food banks for the past month and I can...
My journey to Shatila Refugee Camp began many years ago. At the time I was working in Balatah Refugee Camp of Nablus in the Israeli-Occupied northern West Bank.
A refugee camp that suffered greatly due to the massive reooccupation of the West Bank. As the Jenin massacre occured during Operation Defensive Shield, Israeli forces cracked down
on Nablus city and its adjacent refugee camps, Askar, Balatah and al-Ain. Parts of the attrocities, that can only be described as a massacre went unseen due to massive focus on Jenin and other areas of the West Bank.
And as the tanks, helicopters, APC:s and F-16 attacked the city, only a few of us were preset to document the onslaught. As I arrived in the emd of the onslaught, Balatah Refugee Camp was target for daily attacks.
There amid the smell of blood, the dust and the debris I was constantly thinking about what happened in Shatila and Sabra. I promissed myself to visit the camps in Lebanon as well.
In 2005 I was arrested by Israeli authorities and denied access to Palestine for the upcoming 1o years, due to my involvement in peacefull activities against the occupation and solidarity with the Palesinian people.
By then I had witnessed more violations, killings and injuries than most people in our priviliged western world has witnessed during a lifetime, including myself injured in the chest during an invasion of the old city of Nablus.
As I was held in a tiny cell, humiliated and threatened daily I still felt privileged. I could at leave. Since my denial of entry came into effect I planned to visit as many palestinians as possible with a hope to visit Shatila and its residents.
That dream finally came true last year. As a photographer I travelled directly to SHatila Refugee Camp. I was welcomed by Mr Abu Moujahed, and his wonderful staff at the CYC, Palestinian Centre for Children and Youth that runs a centre for the youth in Shatila and Nahr-el-Bared Camps.
My home for bacame their guest house. A great oppurtunity for internationals to experience the camp and interat with its citizens. I quickly forgot the camera, most times I just interacted with the camp residents. I set up meetings with the Baker, Pharmacist, nurses, political representatives, survivors of the massacre, and enjoyed the time spent with the youth.
Sadly I had to leave, 3 weeks passed quickly. I am sure that I will return. Palestine and all Palestinians, world citizens and friend will allways prompt me to work and fight for freedoom. A freedoom that has been denied for decades.
I warmly recommend evryone to visit Shatila and stay the night at the CYC guesthouse. And undoubtebly upon departure I am sure your tears will fall, just as mine did.
Dear Mahmoud Abbas Abu Moujahed, Manar, Sabah, Marwa and all the staff at CYC, all the children and youth, internationals and camp citizens. I am with you at all times, and our reunification is not a matter of If, its a matter of When.
With love and hugs from Sweden.Your friend, Petros Tenezakis
Cruising down the motorway between Dublin and Limerick, I am reminded of the building boom that overtook Ireland during the Celtic Tiger years. Before the millennium, a wide divided highway like this simply did not exist in Ireland. Somewhere near Kildare, the stand of modern industrial parks and high embankment walls lining the road give […]
Cyclocross rider Katie Compton (Rabobank Giant Offroad Team) goes up against World MTB Champion, Maja Wloszczowska (CCC) in the Jelenia Gora Maja Wloszczowska Trophy Sprint Eliminator in downtown Jelenia Gora. Says Mark, Compton's husband, the sprint eliminator is "a really great racing format they need to adopt in the US."
As the Gate of Hell opened last night, scores of Singaporean began the age old tradition of burning incense and money to the deceased. But did you know, for the brave, desperate and foolhardy, this is also the time to strike it rich and make some serious cash.
Rumour has it that selling salt in a cemetery is one of the easiest ways to earn fast money. Wanting to preserve their decomposing bodies/states, spirits roaming the Earth need salt, lots of it to maintain their presence. And when there's a demand, supplying this demand would make one loads of money.
First, any prospective salt seller has to pack his salt into multiple packets such that his supply will never run out for the night. After that, just before dusk, make his/her way to a suitable spot in the cemetery and sit down comfortably while bowing your heads. Then comes the waiting game, the salt seller has to be patient and follow the rules of this trade.
It is rumoured that the two important rules are: 1) Never look up at all times during his stint in the cemetery 2) Never fall asleep or leave the selected spot until the day breaks. If one violates any of these rules, your life would be in grave danger.
If one is able to resist the urge to peep at the "customers", the buyers would put the money onto the seller's hands after taking the salt. When the morning finally arrives, quickly pack up and leave with your stack of money. According to those who tried it before, these are not hell bank notes but cold hard legal tender.
Are you brave enough to try this out this 7th Month?
Tama the stationmaster was a well known sight to visitors at the Kishi railway station in Western Japan. Hired in 2007, she was appointed as stationmaster in 2007 and received her very own stationmaster's uniform - a cap and a jacket. Sitting quietly at the gates to Kishi railway station, she would greet and see off passengers to the station diligently everyday like most stationmasters would.
But Tama was no ordinary stationmaster - she was a cat. Her "service" to Kishi railway station soon became world famous.
Legend has it that Tama drew in enough curious tourists and passengers to the station that her employer went from near-bankrupt to profitable. Tourism flourished and even the local economy in Tama's town felt the effects of her popularity.
On 22nd June last Sunday, Tama passed away in hospital of heart failure. After her death, Tama's employers held a short Shinto-style funeral at the station where she served, where Shinto priests elevated Tama to a "goddess".
Wakayama Electric Railway President Mitsunobu Kojima thanked the cat for her "service", and said Tama would be enshrined at a nearby cat shrine next month.
âTama-chan really emerged like a savior, a goddess. It was truly my honor to have been able to work with her,â Kojima said in eulogy to the cat.
During her tenure, Tama had contributed an estimated 1.1 billion yen ($8.9 million) to the local economy.
Kojima said that when he visited Tama at an animal hospital the day before she died, the cat woke up and reached out to him with her paws, as if asking for a hug, and looked straight into his eyes. He said he told Tama to get well so they can celebrate the catâs upcoming 10th anniversary as a stationmaster, and said the cat responded with a âmeow.â
Tama had climbed the corporate ladder from stationmaster to âultra-stationmasterâ and vice president of the company before receiving the additional title Sunday of âhonorable eternal stationmaster.â
She will be succeeded by another calico cat, Nitama, now an apprentice stationmaster.
Forest Baptist Medical Center has partnered with Commerce Bank to offer
patients interest-free loans for up to $50,000 to help plan for and manage
their health care costs over an extended period of time.
interest-free loan program is available to both new patients and existing
patients with a current balance.
Orang ramai khasnya belia yang berada di Kuala Terengganu yang masih lagi mencari peluang pekerjaan dan juga bagi mereka yang ingin mendapatkan maklumat untuk menyertai program-program latihan ataupun mendapatkan khidmat nasihat, bimbingan keusahawanan serta kemudahan pinjaman bagi mereka yang berminat membuka perniagaan sendiri dijemput ke Dataran Shahbandar, Kuala Terengganu pada 22 dan 23 Feb semperna program BN Yount Job Fair 2013.
Terdapat 80 syarikat termasuk agensi kerajaan dan pusat latihan menyertai program ini dengan anggaran sebanyak 20,000 belia serta orang ramai akan hadir ke program yang berlangsung selama dua hari ini.
Antara Agenci kerajaan dan juga syarikat yang terlibat adalah Kementerian Antarabangsa dan Industri, Kementerian Kewangan, Perbadanan Usahawan Nasional Berhad, UMW Holding Berhad, Celcom Axiata Berhad, MYeG Services Berhad, Bernas Malaysia Redtone serta Bank Islam.
âKami menganggarkan sambutan belia menggalakkan kerana penyertaan syarikat-syarikat gergasi Malaysia dalam karnival ini yang diadakan bersempena program Karnival Janji Ditepati,â katanya dalam satu kenyataan, semalam. Perdana Menteri, Datuk Seri Najib Tun Razak dijangka melancarkan karnival tersebut, Sabtu ini.
Nazir berkata, karnival bermula jam 10 pagi hingga 6 petang itu akan melibatkan pelbagai program menarik untuk memastikan ia mencapai matlamat untuk manfaat belia, agensi dan syarikat yang menyertainya.
"Kami yakin belia akan mendapat manfaat melalui maklumat dan pengetahuan berkenaan inisiatif-inisiatif kerajaan yang sentiasa membantu golongan ini melalui agensi-agensi kerajaan yang turut serta dalam karnival ini.
âProgram ini bukan berteraskan politik, tetapi sebagai rasa tanggungjawab untuk memastikan golongan belia mendapat peluang untuk berjaya dalam apa pun bidang yang mereka mahu,â katanya.
Untuk mendapatkan maklumat penyertaan dan pekerjaan-pekerjaan yang ditawarkan, sila layari www.bnyouthjobfair.my
Belia yang ingin memohon Bantuan Lesen 1Malaysia diminta berhati-hati serta berwaspada dengan individu yang mengaku sebagai ejen Bantuan Lesen 1Malaysia (BR1M).
Bagi pendaftaran permohonan BL1M orang ramai boleh mendaftar melalui My E.G Services Bhd selaku vendor bagi menguruskan program ini dengan bayaran hanya RM199 serta boleh dilakukan di Ibu Pejabat Umno Malaysia, Menara Dato' Onn Kuala Lumpur dengan pembayaran secara atas talian melalui kad kredit dan juga e-banking meps.
Orang ramai juga boleh menghantar permohonan serta 'Money Order' atau cek melalui pos ke alamat BL1M-Bantuan Lesen 1Malaysia, Pemuda Barisan Nasional, Tingkat 28, Menara Dato' Onn, Jalan Sultan Ismail, 50480 Kuala Lumpur.
Pada 31 Jan lepas, Perdana Menteri Datuk Seri Najib Tun Razak melancarkan program BL1M bagi memudahkan golongan belia mendapat lesen motosikal B2 pada harga lebih murah, iaitu RM199 berbanding harga asal RM350
Semakan Wang Tak Dituntut WTD Di Jabatan Akauntan Negara |Anda dah buat semakan Wang Tidak Dituntut (WTD)? Betul ke Wang Tak Dituntut kita boleh dapat balik? Apa yang dimaksudkan Wang Tidak Dituntut? Mungkin ramai yang belum tahu lagi mengenai Wang Tidak Dituntut, dimana anda boleh buat permohonan Wang Tak Dituntut dengan menyemak akaun anda di semua pejabat JANM seluruh negeri.
Isu ini mula hangat diperkatakan apabila seorang pengguna FB, bernama Idah Basri mendakwa mendapat RM14,000 selepas membuat semakan WTD miliknya. Dikhabarkan dari kementerian sebanyak RM5.8 billion Wang Tak Dituntut dari lebih 55 juta rekod termasuk akaun simpanan. Banyak tu beb??? Rugi bagi anda yang tidak menuntut wang semula yang ada baki di dalam akaun bank.
Apa Itu Wang Tak Dituntut (WTD)?
Sebelum saya cerita lebih lanjut tentang cara-cara semak Wang Tak Dituntut, apa salahnya anda tahu lebih dahulu apa sebenarnya WTD.
Wang Tak Dituntut adalah wang yang sepatutnya dibayar kepada pemilik asal akaun dalam satu tempoh masa tidak kurang setahun. Ianya boleh datang hasil daripada majikan anda seperti gaji, upah, komisen atau bonus.
Selain itu, WTD juga boleh jadi wang dalam kredit sesuatu akaun yang tidak lagi dikendalikan oleh pemilik akaun itu dengan apa cara sekalipun dalam tempoh masa tidak kurang dari tujuh (7) tahun. Tidak kiralah sama ada akaun anda akaun simpanan, akaun semasa atau akaun tetap.
Semakan Wang Tak Dituntut di Jabatan Akauntan Negara
Untuk buat masa sekarang, anda tidak dapat buat semakan WTD secara online. Dimana anda boleh membuat semakan Wang Tak Dituntut di semua pejabat JNAM negeri di seluruh negara. Anda perlu membawa kad pengenalan masing-masing dan IC dorang akan detect. Maka, anda boleh tahu akaun dari institusi kewangan yang mana duit korang masih berbaki.
Jika ada baki yang boleh dikeluarkan, anda perlu mengisi Borang Permohonan Bayaran Balik WTD untuk membuat tuntutan semula wang anda. Dan perlu disertakan beberapa dokumen berkaitan termasuk salinan IC, surat pengesahan bank berkenaan, bank statement atau buku bank yang aktif untuk tujuan bayaran balik melalui bank in terus. Lepas dokumen dan borang diisi siap lengkap ke Pejabat Jabatan Akauntan Negara. Duit akan masuk secara bank ini terus ke akaun anda dalam masa 30 hari sahaja.
Kalau nak check bagi ahli keluarga yang uzur, sila bawa surat pengesahan kesihatan dari klinik atau hospital dan surat sokongan menyatakan hubungan anda dengan pesakit. Manakala pula yang ingin menuntut wang semula bagi ahli yang meninggal dunia, sila bawa sijil kematian asal ataua surat kuasa (sekiranya ada) atau juga surat pertalian (surat beranak@ sijil nikah asal).
Untuk makluman anda, kini Jabatan Akauntan Negara Malaysia (JANM) sedang membangunkan satu portal online untuk membuat permohonan dan semakan Wang Tak Dituntut. Dijangka sistem online ini akan dibuka pada tahun 2018. Dengan adanya sistem ini anda tidak perlu lagi beratur panjang di kaunter JANM.
Bagi anda yang belum lagi menyemak WTD jangan tergesa-gesa pergi ke kaunter JANM, dimana semakan ini tidak mempunyai tarikh luput. Untuk dapatkan maklumat lanjut, anda boleh layari ke laman web ANM di alamat www.anm.gov.my.
Semoga perkongsian ini dapat membantu mereka untuk membuat semakan Wang Tak Dituntut dengan mudah. Selamat maju jaya. Mohon share kepada rakan-rakan anda yang belum tahu tentang info ini!!!
Permohonan Pinjaman Pelajaran Negeri Selangor 2017 Online |Anda anak jati Selangor? Untuk makluman anda, kerajaan Negeri Selangor telah menyediakan satu kemudahan Pinjaman Pelajaran Negeri Selangor kepada pelajar yang mengikuti pengajian peringkat Sijil, Diploma dan Ijazah Sarjana Muda. Pinjaman Pelajaran Negeri Selangor merupakan pembiayaan dalam bentuk pinjaman tanpa faedah untuk anak-anak Selangor. Bagaimana cara memohon pinjaman ini? Okay baca selanjutnya....
Syarat Kelayakan Permohonan Pinjaman Pelajaran Negeri Selangor
Pemohon mestilah rakyat negeri Selangor dan mempunyai ciri-ciri kelayakan permohonan seperti ini ;
â Pemohon lahir di negeri Selangor, atau Ibu atau Bapa lahir di negeri Selangor â Pemohon telah bermastautin lebih daripada lima (5) tahun di negeri Selangor dengan pengesahan dari ADUN / Penghulu / Pengerusi JKKK / Ketua Kampung. â Pemohon telah ditawarkan tempat untuk melanjutkan pengajian secara SEPENUH MASA sahaja Pengajian secara jarak jauh (PJJ) / Luar Kampus (PLK) / A Level / O Level / Sijil-sijil profesional/ Pelajar Kolej Vokasional seluruh negara adalah tidak layak memohon. â Hanya pemohon yang BELUM MENERIMA SEBARANG PENAJAAN dari lain-lain penaja layak memohon. Pelajar yang telah mendapat tajaan pinjaman atau biasiswa contohnya JPA, PTPTN, MARA dan sebagainya TIDAK LAYAK MEMOHON. â Pemohon yang memperoleh pencapaian akademik yang baik akan diberi keutamaan. â Pemohon BUKAN PELAJAR TAHUN AKHIR PENGAJIAN diberi tempoh pelanjutan pengajian.
Syarat Akademik Pinjaman Negeri Selangor
1. Ijazah Sarjana Muda Pertama - Memperoleh kelayakan Sijil Tahun Asas/ Pra-Ijazah/ Matrikulasi/ Diploma dengan kelulusan PGNK / CGPA 2.50 ke atas atau ; - Memperoleh sekurang-kurangnya empat Gred C dalam mana-mana matapelajaran di peringkat STPM atau ; - Memperoleh sekurang-kurangnya lima kelulusan (jayyid) dalam mana-mana mata pelajaran di peringkat STAM.
2. Diploma - Memperoleh sekurang-kurangnya lima kepujian dalam mana-mana matapelajaran di peringkat SPM atau ; - Memperoleh kelayakan Sijil dengan kelulusan PGNK / CGPA 2.50 ke atas.
3. Sijil (IPTA) - Memperoleh sekurang-kurangnya empat kepujian dalam mana-mana mata pelajaran di peringkat SPM.
4. Sijil (bidang kemahiran dan teknikal sahaja) - Memperoleh sekurang-kurangnya tiga kepujian dalam mana-mana matapelajaran di peringkat SPM.
Permohonan Pinjaman Negeri Selangor 2017
Bagi anda anak sejati Selangor boleh membuat permohonan Pinjaman Pelajaran Negeri Selangor secara online di portal TKWBNS. Sila klik pautan di bawah ini ;
Ini adalah jadual permohonan pinjaman dibuka seperti berikut ;
â Sesi pertama : 1 - 28 Februari 2017 â Sesi kedua : 1 - 30 Ogos 2017
Kadar Pinjaman Pelajaran Negeri Selangor
Kaedah Pembayaran Pinjaman Kepada Pelajar
I. Bayaran akan dikreditkan terus ke akaun bank Mualamat pelajar. II. Pelajar yang hanya berjaya ditawarkan Pinjaman Pelajaran adalah diwajibkan untuk membuka akaun Bank Muamalat sahaja. III. Pembayaran akan dibuat sebanyak 2 kali setahun mengikut jadual pembayaran yang telah ditetapkan oleh Urusetia.
PERMOHONAN SESI KEDUA DIBUKA MULAI 1 OGOS 2017 HINGGA 31 OGOS 2017
Jangan lepaskan peluang ini bagi pemohon yang berkelayakan pinjaman pelajaran negeri Selangor tahun 2017. Selamat maju jaya.
Done Renew Domain Lokmanamirul.com di NetKL |Pejam celik pejam celik kejap je domain lokmanamirul.com sudah berusia setahun. Memang pantas masa berlalu. Tapi karya aku ni di blog lokmanamirul masih diteruskan sehingga kini. Jika setahun lalu blog domain lokmanamirul.blogspot.com kini dengan menjenamakan lokmanamirul.com nampaknya semakin membuahkan hasil. Blog ini masih di landasan matlamat aku 2017.
Selamatlah pihak NetKL menghantar noti renew domain di email. Memang terbaiklah perkhidmatan dari NetKL. Tanpa teragak-agak aku terus renew domain ni yang akan expired pada 17 Ogos 2017. Biar renew awal tak pa, risau terlupa habis domain ini. Dengan harga domain hanya RM45, rasanya is the best price domain in Malaysia. Alhamdulillah dah renew setahun lagi untuk domain lokmanamirul.com.
4. Pihak NetKL telah sediakan invois untuk membuat pembayaran. Anda hanya perlu ambil No. Invois dan nombor akaun NetKL. 5. Seterusnya buat pilihan cara pembayaran sama ada 'Bank Transfer' atau 'Paypal'. 6. Buat bayaran! 7. Sudah selesai hantarkan kepada firstname.lastname@example.org untuk bukti bayaran anda.
Bukti Invois Dah Paid!
Tunggu hanya beberapa minit pihak NetKL akan maklumbalas terus ke email anda. Done renew domain lokmanamiruldotcom! Kenapa aku suka servis NetKL? Servis laju dan dilayan baik. Okay bagi anda yang masih belum ada domain sendiri, jom daftar sekarang di NETKL atau klik banner di bawah iniâââ.
Know these two government schemes that will help you own a home.
Are you dreaming of your first home? Are you planning to buy house in Malaysia? A place where you can grow as a family, safely and quietly. A little slice of sanctuary you can call your own? Buying your first home can be a daunting idea, some may even immediately dismiss the idea thinking that they do not earn enough, or have not saved any money for the mandatory 10% down payment.
But wait! There are two government schemes in place that can help you buy your first house. I am going to go through them, step by step, to ensure we can all understand what they entail, since we arenât all bankers are we?
The first government scheme you should know about is the Skim Rumah Pertamaku (SRP), also known as the ï¿½My First Home Schemeâ.
This scheme allows first time property purchasers to buy a house with 100% financing from financial institutions. This allows first time buyers to buy a house without the stress of saving for a 10% down payment! No extra time needed to try and save until youâve acquired the full amount.
To qualify for this scheme, you need to earn a total amount of RM5000 per month if you are planning on buying the property by yourself, or a total amount of RM10 000 per month if you are planning on buying a property with a family member. For example, if you and your wife are looking at buying a house, your wife earns RM4000 per month and you earn RM4500 per month then you would qualify for this scheme.
The next part of the scheme deals with the total value of your desired property, in total the price of the property should ideally range between RM100 000 to RM400 000. This amount limit is to ensure that the monthly repayments on the house do not exceed 60% of your total earnings within the household. This is put into place so that you will be able to comfortably afford the monthly repayment and still afford your other everyday payments.
The next main qualifying aspect is your age and the time frame taken to pay off the property. You should not be older than 35 years when applying or 65 years old when the repayment plan is complete, and the repayment plan will not be taken over longer than 40 months. This ensures that you have completely paid the financial institution before you are eligible for retirement.
There is always fine print when it comes to schemes like this. Here are the important parts, excluding the main points above, that have to be considered when considering applying for this scheme:
â You must be a Malaysian citizen.
â You have to be working for an independent company, you cannot work for a statutory body (government company), unless the statutory body does not offer a staff financing facility - then you are eligible. You do however qualify if you work for a private company and your spouse works for a statutory body.
â You may not buy a property with a friend, you have to be family members.
â Once the property is bought, the owners have to reside in the property.
â You are not eligible if you are self employed. If your spouse is employed by the private sector, he/she may apply but in an individual capacity.
â The Cagamas SRP Berhadâs guarantee only applies to the financial institution, not to the individual therefore you responsible for paying the full amount of the property value plus the standard bank charges, not just 90% of the total amount.
â To see a list of participating financial institutions use the following link: http://www.srp.com.my/en/bank.html
This scheme allows you to buy a property in key urban areas. The government plans to build these properties in these urban areas. Signing up with PR1MA allows you the first option at acquiring one of these properties.
The difference to the PR1MA scheme is that it utilises ï¿½stepped upâ financing. This means that for the first 5 years, your repayment will be lower. This allows you to get financing for a higher amount, that is affordable now. Another difference is that PR1MA allows for drawing from an EPF 2 ( Employees provident fund 2) as part of the payment up until retirement or end of tenure (end of the repayment contract). This means that you are able to draw from you EPF 2 account to help pay a portion of your total repayment amount should you need to. This is beneficial as it will help you with a decreased initial monthly installment amount and help with the final installment amounts up until the end of your contract. You are able to apply for either ï¿½stepped upâ finance, EPF 2 or both when registering.
The way PR1MA works is through a balloting process. Once you have registered by creating your PR1MA account and chosen your desired areas, you will be notified of the launches in those areas are occurring. This will allow you then to make application for those properties as the balloting process is not automatic. Then the balloting process will take place- this will be an open ballot for everyone who has met the requirements. If your ballot is successful you will then be able to view and choose your property. Then you will go through the financing process.
In order to qualify for this scheme you have to:
â Have an individual or combined household (husband and wife) income of RM2500 to RM7500.
â Be above the age of 21 years ( you can be single or married).
â Be a Malaysian citizen.
â Not be in ownership of more than one other property.
â You will still qualify if your spouse works and lives in another country as long as your combined income within the eligible amount.
Other details that you should be aware of:
â A 10 year Moratorium will be implemented from the start of the financial agreement., that means that the house cannot be sold within the first 10 years of owning the property, unless approved by PR1MA.
â The house has to be lived in by the owners, there is no subletting allowed.
â Houses offered by PR1MA are usually priced between RM100 000 and RM400 000
â The size of the property depends on the type of property, an apartment is sized between 600 - 1200 square feet and a terrace PR1MA house is sized between 850 - 1850 square feet
If your application was not approved by any of the participating banks: Maybank, CIMB, RHB or Ambank, do not worry! In future, PR1MA will have a rent to own scheme specifically for those not approved by the participating banks, to which you can apply for.
Now that you have a breakdown of each scheme you can utilise them to help you get the home of your dreams. Itâs not as difficult or a daunting as you once thought.
Eksport polskich produktÃ³w rolno-spoÅ¼ywczych do Wielkiej Brytanii po wyjÅciu BrytyjczykÃ³w z Unii Europejskiej zapewne zwolni, a import spadnie. Sama Wielka Brytania moÅ¼e zwiÄkszyÄ import z innych regionÃ³w konkurencyjnych cenowo - mÃ³wi serwisowi portalspozywczy.pl Marta Skrzypczyk, Koordynator AnalitykÃ³w Agrobiznesu w Departamencie Agrobiznesu Banku Zachodniego WBK.
Na wyjÅciu Wielkiej Brytanii z Unii Europejskiej moÅ¼e sporo straciÄ polskie rolnictwo. Poza tym Brexit moÅ¼e oznaczaÄ zaburzenia w wymianie handlowej i rodziÄ pewne niebezpieczeÅstwo dla konkurencyjnoÅci polskich produktÃ³w na rynku brytyjskim - mÃ³wi serwisowi portalspozywczy.pl Marta Skrzypczyk, Koordynator AnalitykÃ³w Agrobiznesu w Departamencie Agrobiznesu Banku Zachodniego WBK.
An insight into how different stakeholders see the affordable housing system in Australia. The research was undertaken by the Australian Futures Project and was commissioned by the National Australia Bank as part of their commitment to working with stakeholders to explore solutions to improve affordable housing (broadly defined). View the report here.
Each July, along the dappled stream banks of Kodiak Island, just off the Alaska coast, a weedy looking wildflower produces a few dark-blue hooded blossoms. There is nothing particularly memorable about the appearance of Aconitum delphinifolum. Its leaves are thin and rather spiky. Its scrawny-looking stem cannot hold the weight of its flowers: its neighbors […]
Sophos Banking Solutions S A S - BogotÃ¡ DC - Profesional en IngenierÃa de sistemas, IngenierÃa de Telecomunicaciones o IngenierÃa ElectrÃ³nica. Con experiencia en dimensionamiento de Infraestructura, IAAS. Experiencia en servicios on Cloud (AWS, Azure, etc). Conocimientos sobre administraciÃ³n y configuraciÃ³n avanzada de Sist...
Sophos Banking Solutions S A S - BogotÃ¡ DC - Nos encontramos en la bÃºsqueda de Ingeniero Desarrollo J2EE/Angular JS Requisitos: Ingeniero de Sistemas, electrÃ³nica o carreras afines. Con experiencia de mÃ¡s de 4 aÃ±os desarrollando sobre tecnologÃas J2ee y PLSQL. Perfil senior, que haya participado en desarrollo de aplic...
A mural created on the side of a building by the elusive British street artist known as Banksy sold for $575,000. Dozens of other graffiti-style works were offered at the Miami auction being… Continue reading →
âWeâve been spotted!â Branniganâs voice said over the comms. The Cutlass turned hard, pressing me against the restraints of my seat.
âCallâs gone out, two hours âtil full militia arrives.â I reached over and started the two hour timer on my mobiGlas. That was our window for getting in and out.
âLooks like the decoys did their job, the pilot said. "Only two Gladii and a Cutlass in our way. Light defense, but weâre still in for a ride." One of the mercs pulled himself into the turret chair, hitting the button that raised it up to the controls.
âHere we go!â shouted the merc sitting next to me as the ship banked again. Everyone wore almost identical airtight combat suits, but the personalized markings on the side of his helmet told me it was Vin, one of the younger mercs. The turret opened fire above, and staccato reverberations echoed through the hull as the twin guns belched fire. I caught a glimpse out the small porthole of the Banu vessel, trailing behind out of harm's way but still close enough to fire off its large guns. The Cutlassâ shields shimmered as a few rounds impacted, but nothing got through.
The turret swiveled around to track one of the passing ships. âScrapped one Gladius,â the merc manning it shouted with a whoop.
âMissiles!â shouted the pilot. âHold on!â
A few dull thuds sounded as flares launched, then the ship spun around with a wrenching twist. I was sure we were about to get torn to pieces by a swarm of hunting missiles any second, and suddenly felt like the ship was a metal coffin. But the seconds passed, the ship completed its maneuver, and no missiles hit.
âEvaded,â the pilot said, then accelerated the ship back around into the action. âEnemy Cutlass down.â
âYehaaa!â shouted Vin. Another barrage of bullets slammed the shields, then the shield died, and a trio of small holes suddenly appeared in the hull as rounds punched through the armor. There was a rushing of air that dropped to silence except for the reverberations through the hull.
âWeâve been hit,â the pilot said over the comms. A weight slumped against my shoulder, I turned and saw Vin, still strapped into his seat, but with a large hole torn through his combat armor. Blood poured out like a fountain, spreading over the suit and chair and deck. Across from us Ajax pulled himself out of his restraints, despite the silent protests of those around him. He crossed over and knelt beside Vin, pulling bandages from his pack as he did so. But he didnât apply them, it was already too late.
After a silent fury, he clicked his comm on. âMan down.â
A moment later the Cutlass banked again, sending Ajax sprawling across the floor. The other mercs grabbed him and kept him from tumbling more. A few seconds later the report came across that the final enemy had been destroyed. But it was a sullen celebration as the ships turned and headed for the planet, the limp body of Vin still slumped in the chair. I glanced at my mobiGlas. 1:57 left. The whole battle had lasted less than three minutes.Â
The air streamed back into the cabin as the Cutlass descended into the planet's atmosphere. After a few minutes the ship leveled off, wind whipping past the hull breaches. The ship settled down, hovering a short ways above the ground as the rear door lowered.
"Everyone, go!" came the command. I unstrapped myself from the chair and hoisted my rifle, then followed the other mercs out of the ship.
"We'll get her patched up and ready for pickup," the pilot said as the ramp closed up and the ship rose away. "Good hunting."
We were standing in a clearing amongst a sparse, wooded area on a slight rise. Several hundred meters down the slope, partially obscured by the thin trees, sat a small mining town. Dawn was still an hour or so away, and two small moons glistened in the sky. It would have seemed peaceful, but for the gunfire that broke out almost as soon as we started down the slope.
Energy bolts zipped through the trees, snapping branches and kicking up dirt. We quickly ducked behind the cover of trees, but the shots were so wild it almost wasn't necessary.
"Charlie team on the ground," Ajax said over the comms. "On the ground and under fire. Looks like they've decided to put up a fight."
"Understood," Brannigan's voice responded. "Alpha team touching down now, half a click north of the target. Pup, see what you can do about softening them up for us."
I peered around the tree trunk at the town through the scope on my Behring CSS, a much lighter gun than the LR-620 and better for mobility. The village looked like a formula built frontier mining town. Squat, rugged buildings not so much built as placed, standard constructions produced in bulk and shipped out from factory worlds to be assembled where needed. The population couldn't have been more than a few hundred. The only unique building was the loading complex on the near side of town, a small pad and storage building topped with an AA turret.
Several dozen of the inhabitants were rushing through the streets, armed with shotguns and a few rifles. One of the defenders stood in the shadow of a building, firing a MaxOx at the treeline. At this distance he'd have to get very lucky to hit anything with that. My bullet hit him in the thigh, and he fell. He'd survive, but was out of the fight.
"Charlie team, move forward. Pup, stay here and keep us covered." The five mercenaries moved down the slope, keeping in the cover of the trees. I swept over the town with my scope. At first glance each building was the same as the next, but as I searched the outlines for armed defenders I noticed the small decorations and unique bits that made them homes. Their homes. And they were fighting to defend them.
Even the coldness of the chems running through me couldn't bring me to shoot them, but I could still keep them from shooting back. Another man appeared around a building and raised a rifle. I shot the dirt in front of him, and he jumped back. A head appeared over another building, but it disappeared again as soon as my shot pinged off the roof beside him.
Ajax and his five mercenaries safely reached the edge of the trees. "Charlie in place."
"Beta in place," another merc chimed in.
"Delta ready," a third said.
"Remember," Brannigan said, "keep casualties to a minimum. Take them alive. Now take down that gun."
An Ursa rover broke over the ridge to the north of town, turret firing at the buildings. The defenders ran, retreating back towards the center of town. Charlie team moved out of the treeline under cover of the barrage and quickly set up an ARM missile launcher.
"Ready to fire," Ajax said a moment later. "Light up the target."
I flipped on a laser on the side of my rifle and pointed it at the AA turret. "Target lit."
A plume of smoke shot up from the ARM, a missile rising into the air and arcing down to the turret. A shield around the turret flared and died as the missile hit, then the turret itself erupted in flame as a second missile struck.
"Target down," Ajax confirmed. "Air's clear."
A figure appeared around the side of a building, a rifle pointed at the launcher. He was young, a teenage kid firing wildly. I buried a bullet into the ground at his feet, kicking up dirt around him, but he kept firing. Another shot whizzed by his head, but he didn't care. The other mercs were firing back, he was going to get himself killed. There was nothing else to do. My third bullet ripped through his knee. He fell back and out of sight.
"Porter's hit," Ajax said. "It's bad. Moving back to the trees to stabilize him."
"Draconis, rain fire on them." Brannigan's voice was cold, anger seething just beneath the surface. The Redeemer rose over the hill, turret lighting up first one house, then the next on the edge of town. It hovered over the town, the small arms fire doing nothing to its shields, firing back with devastating results at any that tried.
It was over quickly. Under such a barrage the defenders had no choice but surrender. Smoke rose from the ruined shells of buildings as the townsfolk put down their guns and the mercenaries moved in. 1:26.
Welcome to the newest edition of Tic-Talk, the transcript that follows is the full interview as conducted by Indira Nooyi with our guest interviewee, Lonnie Grant, captain of the Voyager. Interview was carried out on the planet Cascom in the Castra system on 2947-03-12.
Indira Nooyi(IN): Good evening and welcome to another edition of Tic-Talk, Iâm your host for the evening Indira Nooyi and with me tonight is the captain and pilot of a Freelancer DUR named Voyager. Thank you for joining me tonight, Mr. Grant.
Lonnie Grant (LG): Thank you for having me on Indira. I love your show.
IN: Thank you. Now Mr. Grant, you just recently discovered a new jump point, would you please tell our viewing audience a little bit about how you came to discover it.
LG: Well you see Indiraâ¦ it wasnât really the most clever way to discover a jump point. It occurred to me that for the size of the system, Castra has an inordinate number of jump pointsâ¦ I think there were 5. It occurred to me that this concentration might be significant so I started scouring the outer rim of the system with my scanners. After a few days I got a hit on my jump scanners.
IN: And upon closer investigation you found this new jump point, correct?
LG: Yeahâ¦ it took me awhile to triangulate it but eventually I got close enough and she just opened up in front of me. Theyâre a beautiful sight, jump points. Theyâre all differentâ¦ have their own character.
IN: Did you immediately travel through it following discovery?
LG: Itâs always a nervous thing, you know? Plenty of explorers have vanished forever after attempting a new jump point. I guess thatâs a long way of saying that I took some time... Wrote out messages for my family and friends and left them in a buoy before I ventured inside.
IN: And what did you find on the other side?
LG: Well first of all, this particular jump was pleasantly simple to navigate. Some of them can be really nasty. Either way, on the far side I discovered a red dwarf star with 4 major worlds orbiting, along with many other smaller worlds of course.
IN: A brand new system then?
LG: Yes! This is a fresh jump.
IN: So, with that being said this opens up several possibilities to you. What do you see yourself doing with the jump point coordinates? Are you considering selling them to the military or off to a scientific research facility maybe?
LG: My plan is to sell the coordinates to the UEEâs exploration and colonization division, and then return to the system to continue my work exploring the worlds it holds. Â Thereâs a lot to learn!
IN: That would make you a very rich man, Mr. Grant. Why continue to work and explore when you could retire and live the rest of your life in ease and comfort?
LG: Honestly for most explorersâ¦ thereâs a drive to keep pushing the edge of our knowledge and it doesnât go away with a full bank account. I will always be most at home on the fringes, searching for the next horizon. Might have to update some of my equipment though!
IN: Indeed and you will have the funds to do it. With this being a new system, I know that there is always a push to find new habitable worlds for humanity to colonize. Does this new system have anything that sets it apart from the rest?
LG: So this is kind of interestingâ¦ This is a tiny star so the worlds orbit close. One appears too close, probably too hot. The furthest planet seems outside the habitable zoneâ¦ although perhaps some extremophiles could live there. Once again though this is the long way of saying that the middle two planets appear habitable. Â One is about the size of Earth and has large oceans covering about 80% of its surface. Â The other one is smaller, about the size of Mars, and has limited water - maybe 20% ocean - but appears to support abundant life regardless. I havenât taken any detailed scans yetâ¦ the new equipment would be right up that alley - help me get better quality scans.
IN: So, at least two habitable worlds, your find might be more valuable then you consider it to be. If people were to move there today, what would they be calling this system? Do you plan to name it or leave that up to the scientists?
LG: Well Indira, you have to understand that it is rare in an explorerâs career that they find anything of really major value. Comets, lucrative asteroids, small black holesâ¦ these are common place and enough to keep you going but new star systems are really the dream. I have thought of a name and I will be submitting it, with your approval. I do love your show, so I was going to name the system Indira.
IN: Wow, I donât know what to say, Mr. Grant. Iâm very flattered. I only hope that whatever name you choose does the system justice. Sounds like youâve found yourself a small little paradise. I sincerely wish you luck on your next adventure and again thank you for joining me tonight and sharing your story. Maybe it will inspire the next generation of explorers to go out there and find their own jump point. Iâm Indira Nooyi and this has been another edition of Tic-Talk, thanks for joining us and see you next week. Â
The New South Wales regional water minister, Niall Blair, has quietly granted himself the power to approve illegal floodplain works retrospectively.
A Wentworth Group scientist, Jamie Pittock, has accused the NSW government of actively undermining the Murray-Darling basin plan as revelations have continued about the state governmentâs management of the river system.
Since Four Corners report raised allegations of water theft and secret meetings between a senior NSW water bureaucrat and a small number of irrigators,Blair is under increasing pressure over his water responsibilities.
This followed Daily Telegraph reports that the Nationals MP had been urging his Liberal colleague, the environment minister, Gabrielle Upton, to change the Barwon-Darling water-sharing plan retrospectively to favour large irrigators. He said the change was needed because of an error in the rules.
Under clause 39 of the new Barwon-Darling valley plan, a flood work that does not comply can be approved if âin the ministerâs opinionâ it is for an access road, a supply channel, a stock refuge or an infrastructure protection work
A spokesman for WaterNSW said three relevant applications from the Barwon-Darling region had been received since the change but none had yet been approved.
The NSW Greens MLC Jeremy Buckingham called on the NSW premier, Gladys Berejiklian, to remove the water portfolio from the National party after the regulation changes came to light.
âThis is disgraceful example of the National party giving away free water to their big irrigator mates,â Buckingham said. âMany of these areas are so flat that even a 10 to 20cm bank can divert a huge amount of water into an irrigation dam and away from natural waterways.
âItâs a massive gift of water to the big irrigators. If we want to recover the water in the future then taxpayer will have to hand over huge amounts of compensation for what were illegal constructions.â
A spokeswoman for Blair said the gazettal was a âsignificant legacy issueâ required to create a process where unapproved works could be properly and transparently assessed. She said to be considered, works must not have been previously refused and would still need to be assessed under certain criteria.
âSupply channels are one of the types of existing works that clause 39 indicates that we will accept application for,â the spokeswoman said. âJust because they are existing, doesnât mean that they will be approved, just that they can apply. This approach is being rolled out through all floodplain management plans.â
Pittock, an associate professor in the Fenner school of environment and society at the Australian National University, said the revelations showed NSW was systematically white-anting the Murray Darling plan.
âThe ârule errorâ and other questionable dealings between wealthy irrigators, government officials and politicians in NSW highlight how the intent of the basin plan can be frustrated by those hostile to its implementation at the state level,â he told Guardian Australia.
âChanges of regulations in NSW have allowed irrigators to take erstwhile environmental flows by allowing greater pump capacity and earlier extraction based on river heights such that commonwealth-purchased environmental water in Queensland in not âshepherdedâ through New South Wales to the lower Murray.
âConsequently towns like Broken Hill, pastoralists and Aboriginal communities, as well as the environment, have been starved of water.
The Australian Transactions Reports & Analysis Centre (AUSTRAC) today launched civil proceedings in the Federal Court alleging that the Commonwealth Bank failed to comply with the law on 53,700 occasions.
The allegations follow an AUSTRAC investigation into the CBA's use of intelligent deposit machines (IDMs) between November 2012 and September 2015.
The maximum penalty for each of the 53,700 contraventions is up to $18 million.
The potentially massive penalties would dwarf a $45-million fine imposed on Tabcorp earlier this year for failing to comply with anti money laundering and terror financing lawsâ¦..
The transactions in question had a total value of around $624.7 million.
The Commonwealth's allegations about the extent of the breakdown of CBA's legal obligations are breathtaking.
Reading between the lines in the statement of claim, it would appear Australian Federal Police (AFP) investigating at least four money-laundering syndicates discovered Austrac had no transaction records on those they had under surveillance.
In August 2015, CBA provided authorities with details on two of those missing transactions. Clearly, that caused panic within the bank. For just a month later, it sent Austrac details of a further 53,504 transactions dating back three years where $10,000 or more had taken place.
At least 1,604 of those late filings related to criminal gangs. Even more alarming, a further six filings related to five customers the bank itself had identified as posing a terrorism risk. But, incredibly, it didn't report them.
That is not the end of it. According to the statement of claim, the bank continued to facilitate transactions for drug syndicates even after being alerted by the AFP.
Even as late as January this year, 18 months after the breaches were first discovered, it is accused of failing to report suspicious transfers totalling $320,000 over five days.
The calamity is being sheeted home to the installation of whiz-bang new machines, intelligent deposit machines.
These accept cash or shares, count the money and then deposit it into a CBA account. From there, it can be sent almost instantly to anywhere in the world. And the neat thing, from a criminal or terrorist viewpoint, is that you do not have to be a CBA customer to do it.
Not only that, they would take up to $20,000 at a time. The machines may be intelligent but, sadly, no-one at the bank seemed to give a second thought to the reporting duties, either around the $10,000 limit or to look out for "structured" transactions â those attempting to fly just under the radar with slightly smaller amounts.
When they were first introduced in 2012, they proved popular. Almost $90 million went through in the first six months. That has since risen to around $1 billion a month.
As the debacle unfolded last week, the other banks â all of which have introduced similar machines â were keen to distance themselves from the drama, even if ANZ boss Shayne Elliott lamented that all would suffer.
Each said they had removed "non-compliant machines", whatever that means. For it is not the machines that are at fault. It is the oversight that has failed.
Interestingly, each of the CBA's three main rivals were keen to emphasise that their machines would accept a maximum of $5,000. In effect, that means no single transaction would ever come close to the reporting limit, thereby letting them off the hookâ¦â¦
The odds on a royal commission have now shortened dramatically, for the Turnbull Government's resolve to resist one must now be spent.
Not only that, the banks have lost any moral ground they may have thought they had in opposing the Federal Government levy.
If recent history is anything to go by, the bank and its leaders merely will attempt to pretend it is all a media beat-up and it is business as usual.
There will be the usual contrite statements, the promises of improving systems to ensure there is no repeat, an internal inquiry no less, most likely as early as this week when Mr Narev unveils a $9.8 billion profit.
This time, however, the attack will not be so simply to parry. It is not an angry but disorganised customer base baying for blood. These are issues of national security and the prospect of a concerted legal assault by the Australian Government solicitor.
Hold the bonuses? The fallout is likely to be somewhat larger.
Commonwealth Bank response to media reports regarding AUSTRAC civil proceedings
Friday, 4 August 2017 (Sydney):
Commonwealth Bank of Australia notes the media coverage of the civil penalty proceedings initiated yesterday by AUSTRAC for alleged non-compliance with the Anti-Money Laundering and Counter-Terrorism Finance Act 2006. The matter is subject to court proceedings. We are currently reviewing AUSTRACâs claim and will file a statement of defence. We will keep the market informed of any updates in compliance with our disclosure obligations.
How to hack a Wifi password? This is not a easy task, so after many years we have crated a very interesting program. This program is called Password Hack v5 and Wifi hack wiil be piece a cake.
Tutorial: Step 1: Just point your mouse to the social buttons bellow! Step 2: Click and the installation process will begin Next you must open the program and enter SSID code. The you only need to click âstartâ and the password will be broken.
How to hack a Wi-Fi network and how to find itâs password?
First, let me tell you what Wi-Fi is! Wi-fi is a recent technology used by gadgets to connect to the Internet without the use of wires. The Wi-Fi Alliance says that Wi-Fi represent âany wireless local area network (WLAN) products that are based on the Institute of Electrical and Electronics Engineers (IEEE) 802.11 standardsâ. Because many WLAN use the same standard, WLAN became a synonym for the Wi-Fi word. Interbrand invented Wi-Fi as a play on words with Hi-Fi (high fidelity), and also created the Wi-Fi logo. This certified trademark can be used only by those Wi-Fi adaptors which pass the Wi-Fi Alliance tests and standards. If it has to do with a connected cable, then the Wi-Fi network is much more vulnerable to hackers attacks. Sites which arenât sertified with SSL and are usually unencrypted are those which will try to steal the Wi-Fi password and any other private datas such as images or account passworrds. Even this intruder will try to take them, it will be harder for them if the router is protected with WPA, WPA2 or WEP encyption security. An extra feature extra from 2007, known as Wi-Fi Shielded Startup (WPS), experienced a serious catch in which let a great hacker to recoupy the actual router. The latest router devices come with the strongest protection ever known and are very hard for hackers to be breaken into. Thatâs, of course, if you donât change the password with which is proveded. Ussualy, the routers have generic names and passwords such as the brand or name of the router, or even admin or 1234 as username and password.
The Wi-Fi is used nowdays for devices such as PC, Video Console such as PS 2, Ps 3, Xbox 360, PS portable (except the E-1000 one) and any other console which have 3G or Wi-Fi connection toghether with laptops and smart and non-smart phones. Those devices can access the Wi-Fi by using the sho called hotspots, where free internet is ussually given by restaurants or Internet providers. You need to be within 100 m to receive the signal, and it can only be received outdoors. What you receive indoors is the signal of a neighbourâs router, not a hotspot one. Hotspots can have low signals (10-20 meters) to strong signals, which take a few kilometers. Any device which has Wi-Fi connectivity can receive Internet signal from this hotspots. The interconected devices are called hang-outs and can be seen each other for distances of over several miles. Outdoor open public Wi-Fi technologies have been used properly with wifi mesh networks with Liverpool, London, and gennerally in the big cities from all the United Kngdom. Wi-Fi is a great way for companies to promote their businessess; itâs very clear that, if there are two restaurants with the same prices and services, but one have also Wi-Fi connectivity, the one with the Wi-Fi will win. And it is not too expensive to provide Wi-Fi, just connect the Internet cable to a router and let it flow. Enthusiasts or perhaps specialists who want to offer products and services or even to enhance company with selected parts at times offer no cost Wi-Fi gain access to. Also there are companies which, in exchage for space used by antenaâs on the rooftop of the flat of blocks, gife free internet in that flat. The are radions risks but who cares when you have free Internet, right? I thought so! If you want to aquire a router, take a brand one, like Belkin or D-link, because the no-name chinese ones are very vulnerable to hacker attacks and can break easely. Donât risk to lose all your money from the bank accounts or images with your daughter naked posted on the Internet just because you didât wanted to spend a couple of extra pennies at the right time.
The same can apply to a mobile, battery powerd router, which is included in every cellphone existent. Many phone provider give free traffic for their clients in WAP, 2G, 3G or even 4G connectivity, depending on the country you live. Almost all smartphones have nowdays a easy OS to use such as Android, iOS, and the now dead Symbian OS, which make possible to connect to any Wi-Fi decive and also to interconnect. Internet pucksgive separate services in this sort at the same time, without use of any touch screen phone; these include this MiFi, as well as WiBro branded equipment. Out there are also many devices such as notebooks, ultrabooks and even laptops which use Wi-Fi to find any information the users want.
Now, letâs turn back to the topic of this article. How to hack a Wi-Fi network and how to find itâs password? This is a question many people asked. But now you don;t have to ask yourself anymore. Here is the sollution to all those frustrating days when you were at countrysite, isolated from the rest of the world and you found just a single, slow router. And that was passworded too. Then you and your phone are useless. Thatâs why our team of developers invented the most powerfull tool on the internet:
Wi-Fi password Hack v5. With a beautifull design, a silverish skin and a blueish font, this is one hack which is very, vet, very easy to use! Even my granddaughter Mary managed to use it in order to play with her virtual friends on the Internet. What do you have to do? First, type the SSID of the router. Ussualy is admin or the model of the router: you can just find it by scanning with the Windows utilities. Next, choose the security type: it could be WEP, WEP 2 or even WSK, it depends on the router. It doesnât matter what type of security is, every type is hackable. Next, press on Start hacking and the program will handle you the password. Now you have free internet. Congratulations!
A report released today by the OECD has put pay to the trickle down theory espoused by right wingers when seeking to justify the massive incomes of those working at the top of the financial sector.
Those that insist that protecting the interests of the very wealthy will benefit the whole of the economy because they are "wealth creators" is rubbished by the findings of the new report "Divided We Stand: Why Inequality Keeps Rising."
Inequality around the world is rising fast and it's particularly bad in the UK where the top 10% now have incomes 12 times higher than the lowest 10%. This is up from a ratio of eight to one in 1985.
"Trickle down theory is dead. The belief fostered by Ronald Reagan in the US and Margaret Thatcher in the UK in the 1980s, that if the rich got richer, their income and wealth would trickle down the income scale so that a rising tide lifted all the boats, has had the last rites pronounced on it."
So if the rich bankers aren't really creating wealth for society, who really provides it? A good starting point would be a 2009 study by The New Economics Foundation which compared the social value of different occupations. For bankers it found that "while collecting salaries of between Â£500,000 and Â£10 million, leading City bankers destroy Â£7 of social value for every pound in value they generate."
Tax accountants meanwhile destroy Â£47 for every Â£1 in value they generate.
In comparison it showed that childcare workers generate between Â£7 and Â£9.50 and hospital cleaners more than Â£10 of benefits for society for every Â£1 they are paid. The OECD recommends that to stem the tide of rising inequality investment in "human capital" is vital and that "more and better" jobs should be created.
"Once the transition from school to work has been accomplished, there must be sufficient incentives for workers and employers to invest in skills throughout the working life."
We will only recognise these challenges if jobs are created for those who are society's real wealth creators. Stopping the damaging public sector cuts would be a wise place to start.
The government may not be on the side of our nurses, teachers and civil servants but at least the public are.
Despite what you might be led to believe when you pick up the majority of papers this weekend, judging by a string of opinion poll results, it seems that the majority of the public is supportive of last week's strike.
A poll conducted by the BBC ahead of the strike showed that 61% of those responding said that they supported it.
Interestingly that was relatively low support compared to support on the actual day of the strike.
A Sky News twitter poll had 72% in support on Wednesday and even the vehemently anit-union Daily Mail ran a poll where 84% of respondents said that they supported the action.
Perhaps what sparked increased support was Osborne's latest attack on the workers who were striking in his autumn statement on Tuesday. If those further cuts were meant as a show of muscle against the public sector it only seems to have made strikers more determined in their cause and even provoked added sympathy from the wider public.
It's a shame for Osborne that the same can't be said of public support for his autumn statement. The latest YouGov poll shows that the majority of voters think that the government are handling the economy badly.
Maybe he would gain a little more credibility if he stopped seeking to punish public sector workers with extra taxation through increased pension contributions and pay cuts and instead accepted proposals to tax the banking sector.
George Osborne has complained to his fellow European finance ministers that they're wasting time debating a financial transaction tax because he believes pensioners will pay for it rather than bankers.
Good to see our Chancellor fighting the cause for pensioners. He's always got their interests at heart. Like when he changed the rate of indexation from RPI to CPI costing pensioners on average between Â£2,250 and Â£2,500 per year and wiping off Â£75 billion off the value of private sector pensions. Not to mention the millions of public sector workers his government are currently seeking to make work longer and pay more for less pension.
It is somewhat galling therefore that he seeks to reject a progressive tax that would raise Â£30bn to fight poverty by painting himself as some kind of defender of pensioners.
He doesn't see the point of discussing it as it will not be unilaterally agreed. He ignores a report by Bill Gates that cites that the tax would work even if it wasn't agreed by all countries. He ignores faith leaders such as the Archbishop of Canterbury, the Pope and Desmond Tutu, and he ignores a global movement of more than 220 million people who are calling for it to help the world's poor and allow the banks to atone for creating the current financial crisis.
France, Germany and Brazil among others can hold their heads up high in the knowledge that their government's back this tax. I for one am ashamed that my government doesn't just not support it, but out-rightly seeks to disingenuously undermine it.
Again, Osborne is out to protect the interests of the wealthy few rather than the millions suffering from poverty.
The Robin Hood Tax campaign does a good job of refuting Osborne's bias against the tax on their website.
Britain's forces of evil were today left petrified after Ed Miliband roared from the Labour Party conference stage, "Just stop it, ok."
Storming towards his podium to the strains of Guns 'n' Roses' 'Welcome to the Jungle' he warned all those naughty people who cheat on their expenses, want something for nothing and make faces behind his back, "they are gonna get theirs alright."
The speech that was described by one political commentator as "frightening" led to the live TV feed being temporarily postponed because of fears that this wasn't something the British public was ready to hear.
"I'm not Tony Blair!" he raged, prompting four investment bankers to leave abruptly. "I'm not Gordon Brown!" he insisted to nods of approval, "I'm my own man and I am what I am!"
One delegate who had to be helped out after the end of the speech said, "That was? Who the? Jeeesus what was that!?" Another claimed, "I saw Ozzy Osborne live but nothing prepared me for that. If he had a bat he wouldn't have just bitten into it, he would've swallowed it whole. I mean he didn't have bat, but if he had..."
The Murdoch family later issued a statement saying, "We're not going anywhere near that bloke. He's scary."
Jens Weidmann, preÅedintele Bundesbank Åi membru Ã®n Consiliul Guvernator al BÄncii Centrale Europene (BCE), a lansat un nou avertisment privind riscurile tot mai grave generate de mÄsurile anticrizÄ ale BCE Åi cere revenirea la reglementÄri stricte privind colateralul acceptat de instituÅ£ie. Ãntr-o scrisoare cÄtre preÅedintele BCE Mario Draghi obÅ£inutÄ de Frankfurter Allgemeine Zeitung, Weidmann se […]
For nearly 40 years, Torontoâs Caribbean carnival was called Caribana. Since 2006, itâs been âScotiabank Caribana,â âthe Scotiabank Caribbean Carnival Toronto,â and âthe Toronto Caribbean Carnival.â In 2017, its name changed again, to âPeeks Toronto Caribbean Carnival.â For those who remember the first event on Centre Island (1967), when the parade traveled down Yonge Street […]
Salam Alaik zaman aktif niaga kek.. zaman yang rainbow cake dengan red velvet cake tengah femes. alhamdulillah, Allah lorongkan rezeki dan peluang masa tu kerana anak2. masa tu semangat nak berniaga kuat kerana hilang satu punca pendapatan dalam keluarga kecil kami ni selama 1 - 2 tahun. our "breadwinner" bertahan dengan pekerjaan yang hanya mampu bulan tu bayar sewa rumah sahaja. tersenyum sendiri bila teringat jatuh bangun kami suami isteri kala tu. hanya Allah sahaja yang tahu peritnya. tak sangka boleh bertahan tanpa bantuan sesiapa. mujur juga masa tu kereta yang bergerak tak ditarik bank. Mujur ada motor usang buat mencari pekerjaan baru yang lebih baik oleh 'org umah' Allah, Allah.. betapa kuasa Allah yang Maha Berkehendak dan Merancang. Mujur kami bertahan dengan pekerjaan sekarang. Tapi kesabaran ini terbayar sedikit demi sedikit Takdelah kaya sekarang ni, masih tak mampu nak beli rumah. Masih tak mampu nak melancong dalam negara pun Masih tak mampu nak makan kat fancy restaurant Masih tak mampu nak bermewah - mewah dan bermegah - megah dengan perhiasan atau dengan barangan terkini. Hutang pun masih banyak kerana kegagalan kewangan masa lampau
Akan tetapi masih boleh ada beras dan lauk dan tempat berteduh, anak - anak bersekolah di sekolah yang baik. Ada kawan - kawan yang baik dalam lingkungan pekerjaan, yang banyak membantu serba sedikit dalam urusan persekolah anak - anak. Dalam lingkungan sosial itu lumrah kerana ada pasang surutnya, sebab status quo tu yang buat kita akan dijauhi dengan orang - orang yang hanya mahu keseronokan dalam pergaulan.
Sekarang ni memang tak menjual, sebab frasa sekarang menuntut lebihkan perhatian pada pengajian dan perkembangan anak - anak. Masih juga ambil tempahan tapi bukan yang aktif / urgent. Cuma selalu berdoa supaya kesihatan sekarang bertambah baik dan juga moga ada rezeki lebih dimana - mana yang hijabnya Allah tutupkan dahulu supaya dapat dikongsikan dengan yang lebih berhak.
Maaflah kalau celoteh terlalu panjang. FB ni ada bagus bila kala kita tergelincir dalam menjalani hidup kita, kita rewind balik.. kita refresh masa kita takde sesiapa, tak punya sesiapa, dan kita bukan sesiapa pada mata dunia, pada mata manusia..apatahlagi pada sisi Allah.
When the Twin Cities Marathon opened for entries last March I was still recovering from my foot surgery. I had no intention of entering.
Fast forward 6 months and I was feeling good!I hadnât run anything longer than 10 miles, but, oh well.
I couldnât believe it when I heard on the local news channel that TCM was STILL open and that I could purchase an entry at the expo on Friday before the Sunday race. Incredible!!
Sure enough, I paid for an entry and bought a CHICKED down skirt from the expo. I had no idea how the race would go; I just knew that I really yearned to run my 11th TCM. I really enjoy the race.
Sunday morning I drove into Minneapolis. I always park at the Jerry Haaf ramp because it is close to the start which used to be the Metrodome- which was torn down and is now being replaced with the IceCube, the US Bank Stadium. Itâs looking fabulous!
It was amazing to me that 10,000 people were milling around the start area and I was able to run into personal friends whom I had no idea were going to be there!I saw Dan and John. Incredible!
The race is divided into chutes with start times staggered every three minutes so that the congestion is at a minimum- which works very well. I mosied over to the bag drop off to leave my after run clothes and headed over to the start. I was so excited to be right where I was! I felt blessed. I am blessed.
The course is really pretty .. for a road marathon. Of course I prefer trail but TCM has a place in my heart. My plan was to run easy, take in the changing color of the trees, enjoy the run, give thanks that I was able to run.
I felt great the whole way. At mile 20 Inoticed that I was running behind the 415 group and hadnât yet noticed the 430 group pass. This was a comfortable easy pace for me. I stopped to hug a few friends that I noticed among the 300,000 spectators-again, crazy!When I saw Bonnie and Marie at mile 21 we hugged and I cried. I started running with these two in 2002. They donât run very much any more, but there they were, cheering and looking out for me. What a treat. My heart felt full and blessed. Those hugs carried me into the finish line.
I finished my 11th Twin Cities Marathon. I would have never believedit,way back when it was only my 2ndmarathon. I would have never believed that I could love to run, so much.I never would have believed that I would have hit 17 years of sobriety, either. Time. A person can change. Thank God.
FreedomWorks today announced that John Tamny will join FreedomWorks and serve as the director of the organizationâs Center for Economic Freedom.
The Center for Economic Freedom will have a special focus on promoting policies that get government out of the way and allow Americans to keep more of what they earn, while highlighting the dangers of overregulation and protectionism.
John Tamny will lead the Center for Economic Freedom. John has been the political economy editor at Forbes and the managing editor at RealClearMarkets since 2002. He is an author of two books related to his specialization in economics: Popular Economics: What the Rolling Stones, Downton Abbey, and LeBron James Can Teach You about Economics (Regnery Publishing, 2015) and Who Needs the Fed?: What Taylor Swift, Uber, and Robots Tell Us About Money, Credit, and Why We Should Abolish America's Central Bank (Encounter Books, 2016).
Among other projects, John will begin his time at the Center for Economic Freedom with a weekly Facebook Live called âNot Fake Newsâ to highlight the very real facts about what our federal and state governments are doing to slow our economy and dampen American entrepreneurship.
âJohn is a brilliant mind and seasoned expert in his field, and we are excited to have him working with us to promote economic freedom,â said FreedomWorks President Adam Brandon. âHe is a great addition to our already stellar team, helping us to spread our message for free markets and limited government even further.â
John Tamny said, âFreedomWorks expertly enhances the terms of the U.S. policy discussion, and in doing so is constantly changing the course of policy in Washington for the better. I'm thrilled to add my voice to an organization that is on any short list of Washington's most influential.â
âIn the coming years, I'll be publishing various books and hundreds of opinion pieces meant to expand FreedomWorks' already substantial voice. The fight for economic freedom is of singular importance, and I'm excited to be a part of an organization that will continue to advance these freedoms,â Tamny added.
The fact that businesses and job creators can make such a phenomenal showing after years of regulatory uncertainty and continued political intervention reminds us of the power of the free market and that the best successes come from the work of the individuals, not collectivists in the public sector.
Perhaps the best reminding of what the last eight years brought us was President Obamaâs infamous 2012 campaign speech âIf you've got a business, you didn't build that.â Throughout the course of his administration saw a creation of routine legislative and executive actions that were designed to both micromanage business and supposedly âcreateâ jobs. Unfortunately, none of this had the intended success.
Most prominently among the actions from the executive administration while Obama was presidents include significantly increased regulations. Among these have included the Waters of the United States Rule (WOTUS), Dodd-Frank, the stimulus package, and, most spectacularly of all, Obamacare. All of these added a large interventions and onerous barriers in the economy that failed to achieve their stated goal.
Outside of simple regulation, there was also so called âjobs creationsâ programs that were supposed to create jobs the President did not think businesses could such as the stimulus package. The program was sold as a job creation plan that would keep unemployment below 8 percent for the low price of $830 billion.
However, policy alone does not explain why there has been high profit growth for the last two quarters. As the Wall Street Journal article admits, health care legislation and tax reform have been stalled in the senate. This has caused a climate of uncertainty which businesses have not been happy with.
Nevertheless, they have instead moved on from Washington and instead remained focused on doing business. Political events seem to have taken a backseat to actual business as the number of S&P 500 companies have mentioned the President or his administration during conferences is down by a third as the research firm Sentieo found out. To be blunt, the involvement of Washington and government policy is not driving the current profit growth and the lack of involvement may actually be increasing it.
For a better example of how reduced involvement can improve the economy, look no further than the Depression of 1920. At the time, war time debt had exploded, unemployment peaked at 11.7 percent in 1921, and inflation rates jumped above twenty percent. It had the potential to be even more catastrophic than the Great Depression that started in 1929.
However, the policies pursued were entirely different. The federal budget was severely reduced from $18.5 billion in FY 1919 to $3.3 billion for FY 1922. Taxes at the same time were cut by about 40 percent.
As a result, unemployment dropped to 2.3 percent by 1923 and a crisis had been averted. This was accomplished not by bailouts and and overregulation but by getting the government entirely out of the way. This is a radically different approach than was pursued during the financial panic of 2008 or even the Great Depression.
As history and current events have shown time and time again, the best results come not from government involvement and micromanagement, but from the hard work of free individuals in free markets. More and more, the adaptability of businesses to their consumerâs demands and their ability to whether adversity in the marketplace has always been more efficient than the micromanagement the state perceives. As a result, sometimes the best thing to do is to have the government do nothing so that those who can make the economy better will.
An issue that has a tendency to come into the public consciousness from time to time is bringing back Glass-Steagall. Initially repealed in 1999 by the Financial Services Modernization Act, primarily known as the GrammâLeachâBliley Act, the law that separated commercial and investment banking has received renewed support with both party platforms during last yearâs presidential election calling for it to be reinstated.
There may be good intentions behind this desire, but the belief that the law would reduce recessions or prevent banks from becoming âtoo big to failâ is at best misguided and unnecessary while at worst it will cause unforeseen problems for the financial system.
As stated above, Glass-Steagall is a law that requires a separation between commercial and investment banking in the financial sector. It was instituted in the 1930s during the great depression by Sen. Carter Glass (D-Va.) and Rep. Henry Steagall (D-Ala.) in the hopes that it would prevent banks from making risky decisions in the market. At the time, âmore than 600 banks failed each year between 1921 and 1929,â so there was a serious desire to curb that.
However, from the 1960s onward, the legislation faced erosion with congressional legislation and the Supreme Court rulings changing key sections of the bill, including reducing limitations on security purchases, the abolition of interest caps, and increased deference to regulatory agencies for the legislation. The most prominent and controversial change to the legislation came from the Gramm-Leach-Bliley Act, which repealed sections 20 and 32 of the legislation.
Unfortunately, there are certain problems with the narrative that deregulation and the repeal of Glass-Steagall specifically caused the recession. First off, there is no history of deregulation in the past two decades in the financial sector. As was noted by the Mercatus Center, the number of banking regulations actually consistently grew between 1999 and 2008 despite the Glass-Steagall repeal which puts a major hole in the deregulation narrative.
With that in mind, the Glass-Steagall legislation itself had very little to do with the 2008 financial recession. However, many of the institutions that had failed were not actually affected by the legislation period. Also, most of the institutions that did fail either received government incentives to provide risky loans (especially in providing housing loans to people who could not afford them), were still heavily regulated, and received guidelines or incentives from the central government for those risky loans.
In addition, there is also evidence that Glass-Steagall did not reduce the banking failures during the depression which it was allegedly supposed to address. For an example, Canada did not pass a Glass-Steagall law during the recession despite facing similar issues to the US. Overall, Canada saw its GDP fall by 40 percent between 1929 and 1939, but not a single bank failed during the depression years and its banking system remained mostly intact.
Beyond that, the most replacing Glass-Steagall could do is stifle the banking industry. Some economists have speculated that the repeal softened the blow because it allowed more diversification of the market. Since less diversified firms made up for a larger number of failures during the 2008 financial crisis and the Federal Reserve Bank of San Francisco credited diversification with being the reason Canada did not face bank failures during the depression, this does provide evidence that may have been a possibility.
This may seem surprising, but the US was the only country in the industrialized world to separate investment and commercial banking. The desire remains to prevent the creation of banks that are âtoo big to failâ but it seems to have largely failed to address that and has prevented useful diversification. Bringing it back will not prevent another crisis nor prevent banks from going under.
FreedomWorks President Adam Brandon released the following statement about the defeat of the skinny repeal of ObamaCare:
âLast nightâs vote was a slap in the face to every conservative who has been promised that Republicans would repeal ObamaCare. Sens. John McCain, Lisa Murkowski, and Susan Collins voted against the âskinny repealâ of ObamaCare, theoretically the least repeal that can be achieved because so many Republicans went back on their votes for a 2015-style repeal. The Republican Party has been all about ObamaCare repeal for the better part of a decade, and now we see that they have been writing checks to voters that they knew the Bank of Obama wouldnât cash. Now that President Trump would sign it, they have exposed themselves as frauds.â
On behalf of FreedomWorksâ activist community, I urge you to contact your representative and ask him or her to vote YES on H.J.Res. 111. FreedomWorks Foundation drove more than 15,000 responses to the CFPB against the rule during the comment period.
This resolution of disapproval under the Congressional Review Act (CRA) would cancel the Consumer Financial Protection Bureauâs (CFPB) arbitration rule. The final rule was published on Regulations.gov on July 19. While the CRA isnât a panacea, it does provide a means for Congress to act as a check on out-of-control federal agencies.
The CFPBâs arbitration rule is, in reality, a giveaway to trial lawyers. The rule ostensibly bans contractual arbitration clauses related to consumer financial products offered by banks and other financial sector firms. This severely limits consumersâ ability to enter into arbitration during disputes.
Arbitration is an easier and quicker process for consumers to resolve issues, but lawyers donât make much money from this process. The rule, however, will encourage trial lawyers to pursue more class-action lawsuits, which take longer and result in smaller payouts to consumers. But class-action lawsuits do bring in big dollars for trial lawyers.
Class-action lawsuits can take two to five years to resolve, and the average payment is $32.35 per individual. These class-action suits, for which trial lawyers are paid an average of roughly $1 million, also drive up costs to consumers. By comparison, arbitration typically takes two to five months, with an average payment of thousands of dollars. Itâs clear which process truly protects consumers.
FreedomWorks will count the vote on H.J.Res. 111 on our 2017 Congressional Scorecard. The scorecard is used to determine eligibility for the FreedomFighter Award, which recognizes Members of the House and Senate who consistently vote to support economic freedom and individual liberty.
Witam pani Aneto, nie mam dobrych wiadomoÅci. Osoba X, o ktÃ³rej pani pisze zostanie oskarÅ¼ona o przestÄpstwo oszustwa kredytowego i zarazem sfaÅszowania Pani podpisÃ³w, czyli o przestÄpstwo z art.286 par. 1 k.k. w zb. z art.270 par. 1 k.k. w zw. z art.11 par. 2 k.kk. To przestÄpstwo popeÅnione w rozumieniu prawa karnego na szkodÄ Banku, co oznacza, Å¼e w postÄpowaniu karnym, nawet w przypadku skazania tej osoby SÄ d nie moÅ¼e Pani przyznaÄ zadoÅÄuczynienia.
MoÅ¼e Pani natomiast Å¼Ä daÄ zapÅaty od tej osoby zadoÅÄuczynienia i odszkodowania z tytuÅu czynu niedozwolonego w procesie cywilnym.
GUILFORD, CT â March 1, 2017 â American Cruise Lines, the largest U.S. cruise company, is pleased to announce details for the first of a new class of 5 modern riverboats destined for the American rivers. These will be the first to combine the modern styling of the European riverboats with the premium comfort for […]
The Barn Players are pleased to present the Tony Award winning musical "Grey Gardens," Friday, September 15th through Sunday, October 1st. Based on a 1975 documentary, the musical tells the true life story of Big Edie and Little Edie Bouvier Beale, the eccentric aunt and cousin of Jacqueline Kennedy Onassis. Set in 1941 and 1973 at the Bouvier mansion in East Hampton, this bold musical follows this mother and daughter on their hilarious and heartbreaking journey from glamorous aristocrats to recluses in a crumbling house filled with memory and cats.
"Grey Gardens" has a musical score by Scott Frankel; lyrics by Michael Korie; and book by Doug Wright. The presentation is being helmed by Barn Players Artistic Director Eric Magnus, with musical direction by Michelle McIntire. The cast includes Cori Anne Weber in the dual roles of Edith Bouvier Beale and "Little" Edie Beale, Kay Noonan as Edith "Big Edie" Bouvier Beale, Charlotte Gilman as young Edie Beale, with Kevin Hershberger as George Gould Strong and Hunter Hawkins as Joseph Kennedy, Jr. Other members of the ensemble include: Annalise Gray, David Loethen, Mark McNeal, and Alyson Tinker. Assistant Direction is by Shelly Stewart Banks; Stage Management is by Rebekah Grieb; Assistant Stage Management is by Amanda Albert; Set Design is by Doug Schroeder; Light Design is by Chuck Cline; Costume Design is by Kimberly Thompson; Sound Design is by Joshua Finch; Props Design is by Katie Blinn; with Production Assistance by Alex Leondedis, Barn Intern.
Director Eric Magnus says, "Grey Gardens" (which is based on one of the top real-life documentaries in film history), was of great interest at the time of its release because of the relationship of these two women had to first lady Jackie Kennedy. It also sparked curiosity as to the question of how these two privileged socialites fell so far from their lofty lifestyles and positions in society. The musical, like the documentary, isn't focused on how they came to be living in squalor, but rather on the quirky, combative and fascinating dynamics of the relationship between a mother and her daughter. It's going to be incredibly exciting to explore that relationship with this wonderfully talented cast, and to bring the story of the Beale women to our Barn audience."
WHAT, WHEN & WHERE: "Grey Gardens" presented by the Barn Players. Friday, September 15th through Sunday, October 1st, 2017. Friday and Saturday evenings at 7:30pm, Sunday matinees at 2:00pm. Industry Night: Monday, September 25th, 7:30pm. The Barn Players, 6219 Martway, Mission, KS 66202.
TICKETS: Adult tickets are $18; Senior (Age 65+) tickets are $15.00; Group tickets of 10 or more are $12 each; Students (with ID) tickets are $12. You may buy online at: thebarnplayers.org, via phone at 913.432.9100, or at the Barn's box office. Cash and credit cards are accepted.
Excitement is in the air as The Jewish Community Center of Greater Kansas City announces its 2017-2018 season of arts and cultural offerings at the White Theatre.
The 13th season of the White Theatre, produced by The J's Arts + Culture Department, includes something for everyone, including a new partnership with the Coterie Theatre that will co-produce the regional theatrical premier of Disney's Tony Award-winning musical, Newsies, during July 2018.
The White Theatre season also includes concerts to visual arts, comedic plays to thought-provoking dramas as well as dance and literature presentations. The inspirational season includes four locally produced shows, several musical concerts, a choreography showcase and a new artist-in-residence offering with the Kinnor Philharmonic.
The season includes:
November 4-19, 2017: Mel Brooks' comedic musical, Young Frankenstein (local production), directed by Missy Koonce.
December 2 & 3, 2017: The Sarah Play produced by the In[Heir]itance Project.
January 1, 2018: Kinnor Philharmonic, The J's artists-in-residence, perform first of two concerts; the second concert is June 10, 2018.
January 6, 2018: YidLife Crisis-Live! starring Jamie Elman & Eli Batalion, the creators and stars of the award-winning Yiddish comedy web series YidLife Crisis.
February 3-18, 2018: Tony Award-winning musical, The 25th Annual Putnam County Spelling Bee (local production), directed by Steven Eubank.
March 17-25, 2018: The Tony-Award winning play, The Miracle Worker (local production) directed by Bill Christie.
April 8: Kansas City's professional dance showcase, Open Stage at The J.
April 11-14: Wiesenthal, the riveting true story of Simon Wiesenthal, nicknamed the "Jewish James Bond".
July 7-29, 2018: Disney's Newsies (in collaboration with The Coterie Theatre), the captivating story of a band of underdogs who become unlikely heroes.
(Full descriptions for each event are available at TheWhiteTheatre.org. Auditions for various productions will be held throughout the year.)
ABOUT THE SHOWS
Young Frankenstein is a hilarious musical based on the classic Frankenstein story, with a Mel Brooks comedic twist. The musical is an adaptation of Brooks legendary film. With a book by Brooks and Thomas Meehan and music and lyrics by Brooks, audiences will roar with laughter as they follow Frederick Frankenstein, the grandson of the infamous Victor Frankenstein. The younger Frankenstein travels to Transylvania to inherit his family estate and zaniness ensues, complete with a tap-dancing monster.
The Sarah Play is in the creative stages of The In[Heir]itance Project as part of a national series. Playwright Jon Adam Ross presents the story of the biblical matriarch, Sarah, in conversation with contemporary realities in Kansas City. Developed during workshops with local clergy, artists and community members as well as interfaith groups, The Sarah Play reflects local perspectives on sacred texts.
YidLife Crisis Live! starring Jamie Elman & Eli Batalion, the creators and stars of the award-winning Yiddish comedy web series YidLife Crisis present a night of shtick, schmoozing and inspiration. This duo of seasoned performers mix skits, discussion, screenings and use the "trojan horse" of comedy to bring Yiddish and yiddishkayt to the forefront and engage the topic of Jewish identity for all.
The 25th Annual Putnam Spelling Bee is a riotous musical ride complete with audience participation and comedic genius. This Tony and Drama Desk Award-winning musical features an eclectic group of 6 awkward tweens as they vie for the spelling championship of a lifetime. While candidly disclosing hilarious and touching stories from their home lives, the tweens spell their way through a series of (potentially made-up) words, hoping never to hear the soul-crushing, pout-inducing, life un-affirming "ding" of the bell that signals a spelling mistake.
The Miracle Worker, the Tony-Award winning play by William Gibson, takes the audience through the daily struggles of Helen Keller, who is blind, deaf and mute. With the help of her devoted and sometimes defiant teacher Annie Sullivan, Helen is finally awakened from the darkness in this emotional story. (Special school performances are available.)
Wiesenthal focuses on the story of one man, Simon Wiesenthal, who devoted his life to bringing 1,100 Nazi war criminals to justice. Wiesenthal's dedication to this one purpose - seeking justice for the six million Jews murdered during the Holocaust - is the focus of the play. This production focuses on this courageous man's wit and wisdom, tenacity and dedication to help repair the world.
Disney's Newsies marks The Coterie and the White Theatre's first partnership, as well as the Kansas City region's first locally produced production of the Tony Award winning musical. Disney's Newsies, based on the 1992 motion picture, features a high energy, explosive song and dance score by eight-time Academy Award winner Alan Menken (Beauty and the Beast, Aladdin, Sister Act) and Jack Feldman and a book by four-time Tony Award winner Harvey Fierstein (La Cage aux Folles, Torch Song Trilogy). It will be co-directed by Coterie Producing Artistic Director, Jeff Church, and Jerry Jay Cranford, who will also serve as choreographer, with musical direction by Pam Williamson, veteran of 10 musicals at the White Theatre. Disney's Newsies will feature a cast of all-local professional and non-professional adult and youth actors. Auditions for Disney's Newsies are set for December 17 at 2 p.m. at the White Theatre. More information on auditions for the entire 2017/18 season can be found at TheWhiteTheatre.org.
The White Theatre's season tickets are available now. Season ticket holders enjoy many perks including preferred seating, free ticket exchange, friends and family discounts and more! The new Flex Five pass option allows the season ticket holder to design their own package with five tickets to use at their discretion. Performances for the Kinnor Philharmonic are an "add on event" to the regular season ticket.
In addition to season tickets, the Arts + Culture Patron program has been enhanced to provide additional "perks" at every level including complimentary tickets, seatback surprises on select show nights, tax deduction or your support and more. For a complete list of patron benefits visit TheWhiteTheatre.org.
Individual tickets for the 2017-2018 season go on sale September 1. Tickets may be ordered online at TheWhiteTheatre.org, by phone at (913) 327-8054 or in person at the White Theatre's Box Office.
In its effort to expand its offerings, additional Arts + Culture events will include the Kansas City Jewish Film Festival in April and May, literary salons and the Midwest Jewish Artists Lab.
Discover The J's White Theatre at 5801 West 115th, Overland Park, Kansas 66211, conveniently located at 115th & Nall. Contact our box office at (913) 327-8054 or by email at email@example.com. The White Theatre box office is open Monday through Friday 10 a.m. to 2 p.m. For more information on everything Arts + Culture at The J and the White Theatre check out our website at TheWhiteTheatre.org.
About "The J"
Established more than 100 years ago, the Jewish Community Center of Greater Kansas City-The J, provides a warm welcome to families of all backgrounds. The J's all-in-one hub for health, learning and well-being elevates the lives of the community and its members with programs of excellence in fitness, sports, theatre, arts + culture, senior adult programming and youth services including summer camps and child development. Everyone can "live up" at The J, located in Overland Park, Kansas, and at thejkc.org.
With a tale as old as time, Disney's enchanting musical BEAUTY AND THE BEAST continues to waltz onstage at Theatre in the Park tonight, Aug. 2, through Saturday, Aug. 5. Curtain time is 8:30 p.m.
Disney's BEAUTY AND THE BEAST is a co-production with the Jewish Community Center featuring an all-local cast. The musical had a three-week run a The J's White Theatre prior to its magical transformation to the park amphitheater. Steven Eubank directs this production of Disney's BEAUTY AND THE BEAST with musical direction by Pam Williamson and choreography by Mindy Moritz. It is rated G.
With Music by Alan Menken, Lyrics by Howard Ashman and Tim Rice and a book by Linda Woolverton, Disney's BEAUTY AND THE BEAST is based on the Academy Award-winning animated film. This classic story centers on Belle, a young woman in a provincial town, and the Beast, who is really a young prince trapped under the spell of an enchantress. When Belle finds herself held captive by the Beast, she meets the most unusual enchanted servants if the Beast can learn to love and be loved, the curse will end and he will be transformed into his former self. But time is running out. If the Beast does not learn his lesson soon, he and his household will be doomed for all eternity.
"Beauty and the Beast has it all - drama, comedy, fantasy and adventure," Eubank said. "In addition, the score contains well-loved songs, the musical has large group dance numbers, the costumes and sets are imaginative and creative. Disney always invites us to escape into a fantastic and fabulous world."
Eubank said Belle exemplifies a powerful, young independent woman. "She does not conform to the pressures of her community. She dares to be different," Eubank said. "She embraces her intelligence and values education. Although this musical is set in a time period before electric lights, running water, automobiles or modern technology, Belle is an ideal role model for children in the 21st century."
Tickets for BEAUTY AND THE BEAST $8 for adults, $6 for youth, and children three and under may attend for free (but require a ticket for entrance). Limited reserve seating and parking is available; lawn chairs may also be rented nightly at the theatre. Tickets may be purchased online at www.theatreinthepark.org or at the theatre box office the nights of performance.
Early this season, TTIP inaugurated its INDOOR theatre program at the new Johnson County Arts and Heritage Center with the musical GREASE. The remainder of the INDOOR season will be announced soon.
The Theatre in the Park Outdoor is located in Shawnee Mission Park at 7710 Renner Road, in Shawnee, KS, and is a program of the Johnson County Park & Recreation District. TTIP is the largest outdoor community theater in the country, and has been providing quality theatre entertainment in the community for more than four decades. Sponsors of the 2017 season include First National Bank and Shawnee Mission Health. For more information, visit www.theatreinthepark.org.
Dust off your willing suspension of disbelief. Starlight Theatre transforms into Elizabethan London in the year 1595. The play is "Something Rotten." William Shakespeare has not authored his 38 famous plays and 150 sonnets. By masquerading as patron to the struggling Bottom Brothers from Cornwall, the Bard has purloined their ideas and most of their dialog lock, stock, and couplet.
Conjecture about Shakespeare's authorship surged and likely suspects advanced even before the Bard's death in 1616 at age 52. Likely suspects for the real Shakespeare have included Christopher Marlowe and Francis Bacon. But the Bottom Brothers? Really? And that is the more than slightly wacky notion behind this 2015 Broadway crowd pleaser "Something Rotten" which continues through Sunday at Swope Park.
"Something Rotten" ran 745 performances on Broadway and closed on New Year's Day 2017. If this touring production, seems unusually sharp, that could be because it features most of the closing Broadway cast. These guys had so much fun with "Something Rotten," they packed it up, and took it on the road.
Dig out your tap shoes and polish up your funny bone. Sit back and giggle. "Something Rotten" is unabashedly derivative. It is a love letter to Shakespeare and to Broadway musicals. It features two Busby Berkley worthy Honest-to-God showstoppers; "A Musical" and "Make an Omelet."
Lots of "Something Rotten" is deliberately corny and punny and tap dancey, but I have not been so thoroughly entertained in a long time. I guess it shows that my sophistication quotient is stored discreetly in my whoopee cushion. I like it.
Desperate for a hit, show businessy Nick Bottom (Rob McClure) and his earnest brother Nigel (Josh Grisetti) search alternately for truth in life and/or ticket sales. Nigel falls in love with a Puritan blondie named Portia (Autumn Hurlbert). Nick's sharp-as-a-tack pregnant bride Bea (Maggie Lakis) sees the family's desperate financial situation and demands to take in work and help. "It is the 90s," she proclaims in "Right Hand Man." Nick cannot accept the idea and searches for an alternative. He blames his competitor for his trouble with "I Hate Shakespeare" a memorable musical rant.
Meanwhile back on the West End Avenue, Nick is threatened alternately by his patron, the disguised Shakespeare (Adam Pascal), and his Jewish banker Shylock (Jeff Brooks). Shylock offers to forgive Nick's debt if Nick allows him to become a partner. Too bad, Jews are restricted from most jobs at the time. Nick must come up with another idea and fast.
He decides to consult a soothsayer - a fortuneteller. His first stop at a sayer of sooth's shop is cut short by a note on the door that complains it has been closed by unforeseen circumstances.
Second choice is Nostradamus - no not that Nostradamus. This is Thomas Nostradamus (Blake Hammond), a nephew to the French guy. He does see things, if through a bit of a cracked lens. In this case, he convinces Nick he should consider a new kind of play. How about a musical where the songs advance the plot?
This is where the show really takes off and never lands. There are more funny allusions to musical shows of the next three hundred years than a retrospective at the Tony Awards. Some of them you get - Others fly on by. It is like watching an Elizabethan Henny Youngman throwing out one-liners. Their first idea for a show subject is the "Black Death." Close, but no cigar.
Back to Shakespeare! The real man was a little pudgy and bald. This Shakespeare is a blond, nasty, literal rock star who presides over a rave. If this sounds a little bit like Mr. Peabody and his boy Sherman, you've got the idea. It is the kind of creative anachronism you enjoyed in "A Knight's Tale" with the late Heath Ledger.
Of course, the Bottom Brothers run afoul of the law and the church. They and their backers get a choice between beheading and transportation to the new world. Maybe banishment is the better option. Maybe there is a place where true love lives, land for family cottages can be had, musicals have a chance for success, and Jews can become part of the financial backing of show business. Who knew?
The language for this one is relatively mild. The double and triple entendres should not offend many, but they are there. Think of the mildly sexy jokes, you might see on a TV sitcom.
Take a notebook. Keep track of all the show biz allusions. Smile. Don't miss "Something Rotten" at Starlight Theatre. If you have a humorous bone somewhere other than your elbow, you will like this one. Tickets are available at the Starlight website or by telephone at 816-363-7827. To steal a line from "Kiss Me Kate," "Brush Up Your Shakespeare And We'll All Kow Tow."
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On June 21st around 10:30 pm I arrived at my friend's where I would be spending the night so her mom could drive us and her brother my friend's brother to the airport at San Jose, a three hour drive from where we would begin. I was expecting my friend to be asleep because of our early start that next morning, but she and her mom was awake and eating Chinese salad, so we all stayed up chatting and preparing until nearly 1:00 a.m.
Our alarms went off at 2:00 a.m.
After dragging myself out of their comfy guest bedroom where my friend and I had slept that night, we got all of our things together and were in the car before 3:00 a.m. driving sleepily to San Jose. I was completely wiped and fell asleep on the side of the car, the headrest in front of me, and my friend's leg multiple times, and when I next awoke, it was 5:00 and we were nearing the airport. my friend's mom dropped us off and we said our goodbye's before heading inside with our (heavy!) bags on our (tired!) feet. It was a bit of a struggle to get our bags checked, mainly because there was no correctly marked lines or directions and the airport lady running around would says something that confused us and then run off again. But we did it eventually! Then we went through the longest security line ever! It was like standing in line at Space Mountain at Disneyland. We finally made it through and then we were in the airport terminals. We were also hungry.
So we went to Starbucks and I had a white mocha and a cranberry scone, and my friend and her brother got croissants and a breakfast sandwich. Yummy! We chugged our drinks because it was time for us to get in line to board at that time, on the smallest big plane I've ever been on. It held maybe 80 people and had the teeeniest seats ever! my friend and I sat together and my friend's brother a few seats in front of us. We departed by 7:20 a.m. and arrived a little over an hour later in LA. my friend dozed that whole flight and the waiting time before our next flight, but I wasn't able to sleep on that flight.
The next flight we took a shuttle (loooong ride!) across the airport to the proper terminal to get to our gate, which was either 43 or 48. We weren't sure because the screen had bad pixels. We thought it was 43. Our flight was meant to depart at 9:50. my friend fell asleep in the chair, I called Mom, Nick, Dad, and my aunt Terry who lives by LA, and then suddenly my friend's brother says, âIt's 9:50 and we haven't been called yet. I'm gonna go check it out.â Oblivious to the meaning of that sentence, I nod and he disappears, leaving me with a sleeping friend and some bags.
A few minutes later he jogs back and tells us to hurry, wake up, we're at the wrong gate and they are boarding NOW. We grab our stuff and book it to gate 48 and board the plane.
This flight we did not have seats next to each other, which was very disappointing. We were going to trade with people but no one was able to, so my friend was at the front, my friend's brother in the middle, and I in the very last row by the window, next to a family of four plus a cousin. It was a loooong flight. The kids across from me were quiet which I was thankful for, but not talking to anybody for five plus hours kind of sucked. my friend stopped by once and I got up once to use the bathroom and go say hi back, but as soon as I headed down the plane the seatbelt sign turned on and I got back down, and it was too difficult to get back out to attempt it again. I read Emma by Jane Austen and slept that flight away.
Finally we landed in Kauai! It was 12:56 p.m. Hawaiian time (three hours earlier than California) and we deplaned, got our bags, and started sweltering in the humidity. It was about 75 degrees in Kauai but the humidity made it feel like we were swimming through the air, definitely hot the dry heat we were used to around Sacramento.
We took a shuttle to the Hertz car rental place, where my friend (awesome my friend, who planned this whole damn thing) had rented us a Nissan Vesta AND where they got a surprise $150 discount on the underage driver thing because the guy had a coupon he gave us! Yay!
Then we drove off to Poipu, a resort area on the South side of the island, using my friend's brother's phone for a GPS. We didn't get lost, but it did take a while because all the drivers here are apparently sloooow! We were distracted, however, by the gorgeous lush plants and scenery and the amazing hills and cliffs. We drove through the resort area until we made it to our beautiful resort, and parked and trekked inside in our sticky airplane clothes, where we were greeted with âMahalo!â and given leis and told some of the resort's events and checked in. We then grabbed our bags and walked five or te