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1 Introduction to Financial Markets1.1 The financial system - financial institutions, markets and instruments supervised by a prudential regulator. Financial system provides economic and financial information to the markets. An efficient FS absorbs and reflects new information into the price of financial instruments.
To understand the nature of financial markets it is first necessary to understand the overall financial system that comprises, inter alia, financial markets.
The main functions of a nation's financial system are to facilitate the:transfer of funds from surplus to deficit economic units, in primary financial markets, by the creation of new financial assetstrade of existing financial assets in secondary financial marketsfacilitate portfolio structuring - Combination of assets and liabilities each comprising of return, risk, liquidity and timing of cash flows that best suit each saver's particular needs.
A nation's financial system comprises surplus economic units (lenders), deficit economic units (borrowers), financial institutions, financial markets and financial assets.
1.1.1 Surplus economic unitsThese are individuals or small groups (eg individual households or business firms) who have more funds available than they require for immediate expenditure. That is, they represent savers and potential lenders of their surplus funds.
1.1.2 Deficit economic unitsThese are individuals or groups (eg individual households or business firms) who require additional funds to meet their expenditure plans. That is, they represent potential borrowers of funds.
1.1.3 Financial institutionsThese are organisations whose core business involves the borrowing and lending of funds (financial intermediation) and/or the provision of financial services to other economic units.
1.1.4 Financial assetsFinancial assets represent a claim or right that a surplus economic unit holds over a deficit economic unit. They provide the surplus economic unit with a store of value or future consumption or investment. To the deficit economic unit financial assets they have issued represent a liability or obligation.
Whenever, funds are lent and borrowed, financial assets (also referred to as financial instruments) are created. Primary market financial transactions involve an exchange as funds are exchanged for financial assets. Lenders of funds are also buyers of financial assets and borrowers of funds are sellers of financial assets.
All financial assets have four different attributes which can provide a basis for comparison between different types of financial assets. viz.:return or yield - Total financial benefit received (interest and capital gain) from an investment.
risk - Possibility/Probability that an actual outcome (return) will vary from expected outcome; uncertainty.
liquidity - Access to sources of funds to meet day to day expenses and commitments.
time pattern of return or cash flow - Frequency of periodic cash flows (interest and principal) associated with a financial instrument.
The financial assets that are created and exchanged can be divided into the following four broad types: These are also called financial instruments.
Debt: Debt instruments represent an obligation on the part of the borrower to repay the principal amount borrowed and interest in a specified manner over a defined period of time or when a specified event occurs. Some examples are:Deposits - eg bank depositsContractual savings- eg life insurance, superannuationDiscount securities - eg commercial billsFixed interest securities - eg bonds, debenturesEquity: The sum of the financial interest an investor has in an asset; an ownership position. Equity differs from debt in that it represents an ownership claim over the profits and assets of a business. The main example is ordinary shares - Principal form of equity issued by a corporation, bestows certain rights to the shareholder. Dividend is also another example - Part of a corp's profit that is distributed to shareholders.
Hybrid: Hybrid financial assets comprises securities that combine features of both debt and equity. Two examples are preference shares and convertible notes.
Derivatives: Derivative instruments are financial assets whose value is derived from another type of financial asset, mainly used to manage risk exposures.
Futures contract - involves entering into a contract today to buy or sell a specific amount of commodity or financial instrument at a predetermined future date.
Forward contract - over the counter agreement that locks in a price (interest or exchange rate) that will apply at a future date.
Option contract - The right but not an obligation to buy or sell a commodity or financial instrument at a predetermined price at a specified date or within a specified period. Buyer is not obliged to proceed with the contract and has to pay a premium to the writer of the option.
Swap contract - Agreement between two parties to swap future cash flows; interest rate swaps and currency swaps.
Whatever form financial assets take they represent a claim (or right) which a surplus economic unit holds over a deficit economic unit. Likewise they also represent an obligation of deficit economic units.
1.1.5 Financial marketsAn economic market comprises a mechanism which brings together, not necessarily to a single location, sellers and buyers for the purpose of exchange. Financial markets are where financial assets are created and/or exchanged. Every nation's financial system comprises a number of different financial markets which can be classified in different ways for different purposes.
One type of classification is between primary and secondary financial markets.
Primary Markets - New financial assets are created and traded in exchange for borrowed funds: eg a household (surplus economic unit) lends funds to a corporation (deficit economic unit) in exchange for debentures (a financial asset). Or when a corp issues additional ordinary shares to raise further equity funds for an investment project, or government selling long term bonds to finance spending on capital works, health or education, or people who borrow money from a bank to purchase a house.
Secondary Markets - Existing financial assets are traded which results in a change of ownership but not the lending of funds: eg the holder of debentures sells his financial asset to another person. Company receives NO extra funds from the secondary market transactions, secondary market transactions have no direct impact on the amount of funds available to the company.
The term financial security is used to describe financial assets that can be traded in a secondary market.
Another type of classification is between money markets, where funds are lent for a period of less than one year, and capital markets, where funds are lent for one year or longer.
Other types of classification distinguish between financial markets for the different type of financial assets that are traded. This is the basis on which we will be examining different financial markets in Australia. Specifically, we will examine the following separate Australian financial markets in turn:Ã¢ÂÂ¢The Foreign Exchange MarketÃ¢ÂÂ¢The Money MarketÃ¢ÂÂ¢The Debt-Capital MarketÃ¢ÂÂ¢The Equity MarketÃ¢ÂÂ¢The Derivatives MarketOBJECTIVE 2After working through this section you should be able to distinguish between direct and indirect financing and the characteristics of each.
1.2 Direct and indirect financeThe flow of funds in primary financial markets can either be direct from lender to borrower or indirectly through a financial intermediary. The alternative methods of financing are illustrated in the diagram below;1.2.1 Direct finance - Funding obtained direct from the money and capital markets through a direct flow of funds.
With direct finance the surplus economic units who are the ultimate lenders provide funds directly to the deficit economic units who are the ultimate borrowers. In exchange for the funds, the deficit economic units issue financial assets that are primary securities held by the surplus economic units and represent a direct claim over the ultimate borrower.
In direct finance financial institutions frequently provide financial services to the parties, particularly the borrowers. These services include financial advice, financial management and security documentation, marketing, sales negotiation, provision and arrangement of underwriting facilities. In providing such services financial institutions are paid commission or fees.
Broker - Agent who carries out the instructions of a client and receives fee for facilitating the transaction between the client and the supplier.
Dealer - Makes a market in a security by quoting both buy and sell offer prices.
Benefits of Direct finance:Ã¢ÂÂ¢Removes cost of a financial intermediary. Corporations or governments can raise funds directly from domestic or international markets at a lower cost than it would incur by borrowing through a financial intermediary such as a bank.
Ã¢ÂÂ¢Allows user of funds to access different funding markets, enabling diversification of funding sources. Reduces risk of exposure to a single funding source or market. As economic conditions change, traditional suppliers may not be able to provide further funding, eg this is evident in Thailand and Indonesia as a result of the Asian financial crisis in 1997-98.
Ã¢ÂÂ¢Greater flexibility in the types of funding instruments used for different financing needs. Users can increase funding by access of both domestic and international capital markets for direct finance, can finance more sophisticated funding strategies and raise international profile of the organisation, essential in establishing a good reputation for the firm's G&S.
Disadvantages of Direct finance:Ã¢ÂÂ¢Problem of matching preferences of suppliers and users of funds. A saver may need additional funds, and need to seek out additional suppliers. There may also be a mismatch in the maturity structure of the funding eg borrowers often prefer to borrow over a longer period while risk-averse investors prefer to invest for a shorter period.
Ã¢ÂÂ¢Liquidity and marketability of a financial instrument may be of concert. Not all financial instruments have an active secondary market through which the security may be sold.
Ã¢ÂÂ¢Transaction costs associated with a direct issue can be high. Eg cost of preparing prospectus, legal fees, taxation advice, accounting advice and other expert advise eg. Geologist.
Ã¢ÂÂ¢Can be difficult to assess level of risk of investment in a direct issue, particularly default risk - risk that a borrower may not meet financial commitments such as loan repayments when they are due. Accounting and reporting standards may also vary between nation-states.
1.2.2 Indirect finance - is also known as intermediated financing because it involves financial institutions performing the role of financial intermediary. With indirect financing, the surplus economic units, the ultimate savers, lend their funds initially to a financial institution who then lends the funds to the deficit economic units who are the ultimate borrowers.
The financial institution acts as a financial intermediary and performs the role of both borrower and lender. This is the basis of the legal relationship that financial intermediaries have with surplus and deficit economic units. In performing this role financial intermediaries earn income in the form of a net interest margin and fees. The net interest margin represents the difference between the average cost (interest paid) of funds and average return (interest earned) from lending.
In indirect financing, deficit economic units issue primary securities which are held by financial intermediaries who issue secondary securities to surplus economic units. Surplus economic units do not have a direct claim on deficit economic units.
Primary and secondary securities are both created in primary financial markets and can be traded in secondary financial markets.
1.2.3 Advantages of financial intermediation- In carrying out the role of intermediation financial institutions provide a number of benefits to borrowers, lenders and the economy as a whole. The main advantages of financial intermediation are:Asset value transformation: financial intermediaries are able to create secondary securities that differ in value from the primary securities that are issued by deficit economic units. In this way they can tap small individual savings and pool them together for the purpose of making larger loans.
Maturity transformation: financial intermediaries are able to borrow for different time periods then for what they lend. In doing this they are able to match the maturity preferences of borrowers and lenders. As a general rule, lenders require greater liquidity than borrowers are prepared to provide.
Credit risk reduction and diversification: financial intermediaries are able to reduce the risk of lending to borrowers who are unable to meet their loan commitments as a result of their expertise and knowledge. In addition, as a result of their size and diversification of loans, they are able to spread a small percentage of bad loans across their total loan portfolio.
Liquidity provision: financial intermediaries, due to their size and specialisation in borrowing and lending are able to provide their customers with a range of services including a high degree of liquidity eg. cheques, ATM, EFTPOS facilities.
Increased quantity of national savings: As a result of the above advantages the existence of indirect financing will tap a greater quantity of national savings and hence increase the supply of funds available to finance real investment and promote economic growth.
Economies of scale: Financial and operational benefits gained from organisational size and volume of business.
1.2.4 Disadvantages of financial intermediationTheir is no doubt that financial intermediation provides a number of advantages. However, it does not come without cost as both borrowers and lenders must pay for the benefits they receive. This generally means:Increased cost of funds for borrowersReduced return from lending for savers.
In addition to this, there is a further disadvantage in that, as a general rule:It is less likely for secondary financial assets to be securitised ( ie financial securities) in that they can be traded in a secondary market.
Over recent years there has been increased reliance by large borrowers on direct rather than indirect (intermediated) finance. Hence the term disintermediation to describe this process.
OBJECTIVE 3After working through this section you should be able to explain the relationship between the financial system and the economic system.
1.3 The financial and economic systemsIn the study of economics, it is normal to treat the financial system as a component part of the larger economic system. The economic system is seen as comprising, inter alia, real output markets (for goods and services), resource markets and financial markets.
The role of the financial system is to facilitate the operation of the overall economic system and in particular the output markets for goods and services.
1.3.1 The economic systemA nation's economic system is concerned with the production and distribution of goods and services. In performing this function, a nation's economic performance is normally assessed in terms of the following economic objectives:economic growthfull employmentprice stabilityexternal balanceefficient allocation of resourcesequitable distribution of income and wealth1.3.2 The financial system and economic objectivesA nation's financial system will affect its performance with respect to each of the economic objectives listed above.
22.214.171.124 Economic growthHistorically, there is a well established relationship between the development of a nation's financial system and economic development. The establishment of a well developed financial system is seen as a necessary prerequisite for a country to raise sufficient funds, to finance the necessary infrastructure projects required for sustained economic development.
For developed economies, the cost and availability of funds, determined in the financial system, are significant determinants of aggregate demand, particularly private investment demand. The level and rate of growth of aggregate demand, in turn, has a major impact on a nation's economic growth rate.
126.96.36.199 Full employmentThe demand for resources, including labour, is derived from the demand for final goods and services. Thus, the level of employment in the economy is directly related to aggregate demand and the rate of economic growth. As the cost and availability of funds is a significant determinant of aggregate demand, it is also a significant determinant of the level of employment.
188.8.131.52 Price stabilityThe rate of inflation is also significantly determined by the growth of aggregate demand. Consequently, the cost and availability of funds in the financial system will have some bearing on whether a nation is experiencing inflation or relative price stability.
A nation's monetary policy normally involves Central Bank intervention into the financial system in pursuit of macroeconomic objectives, particularly price stability. In Australia, at the present time, the Reserve Bank of Australia has set an inflation target of 2 - 3% per annum for determining the conduct of monetary ploicy.
184.108.40.206 External balanceExternal balance refers to a desirable position in terms of a nation's international transactions, as reflected in that country's balance of payments, and exchange rate value of its currency. Both the balance of payments and the exchange rate will be significantly affected by the financial system.
The cost and availability of funds will affect the level and rate of change of the export and import of goods and services. In addition, borrowing from overseas (capital inlow) and overseas investment of funds (capital outflow) are directly affected by conditions in financial markets both domestically and globally.
Thus, both current and capital account transactions of a nation's balance of payments will be significantly determined by domestic and international financial market conditions.
As international transactions determine the demand and supply for a nation's currency, financial market conditions will also have a significant affect on the foreign exchange value of that nation's currency.
220.127.116.11 Efficient allocation of resourcesAn efficient allocation of resources is where a nation's limited resources are allocated to produce that output mix of particular goods and services that maximises the satisfaction of society. This is best achieved by competitive markets where the allocation of resources is determined by demand and supply for individual goods and services.
Any non-market distortions that influence the levels of demand or supply will reduce the efficient allocation of resources. Non-market distortions can result from factors in resource markets, finance markets or in the markets for goods and services themselves.
The efficient allocation of resources requires that factors in finance markets do not distort the pattern of demand for individual goods and services from that which would otherwise take place. Allocative efficiency requires that the financial system directs funds to the highest yielding forms of expenditure. This is best achieved by competitive financial markets with a minimum of government intervention and controls.
18.104.22.168 Equitable distribution of income and wealthNon-market distortions that affect the cost and flow of funds not only reduce allocative efficiency but have effects that are not spread evenly over the community. For example, ceilings on particular interest rates means some groups receive benefits, or an effective subsidy, while other groups are required to pay higher cost for funds than would otherwise be the case. As a result, the distribution of income between different groups in the community is affected.
At different times, governments have intervened into finance markets for the main purpose of altering the distribution of income to one that it views as more socially desirable or equitable.
OBJECTIVE 4After working through this section you should be able to outline the main reasons for, and methods of, government intervention into finance markets.
1.4 The government and finance marketsOver the past fifty years, the Australian government and government bodies, such as the Central Bank, have significantly altered both the extent, and methods, of intervention into financial markets. Similar changes have been experienced in financial markets around the world.
In general terms, we can divide the past 50 years into the following three periods:Regulation (pre 1980's): During this period the Australian financial system was characterised by an extensive array of direct controls, particularly over banks.
Deregulation (1980's): During the first half of this decade the direct controls and other types of government regulation were progressively removed and the financial system took on the features of a competitive market.
Post-deregulation (1990's): During the first half of this decade, the role of government changed again with a strengthening of government intervention. However, this was different in nature from the regulations that existed in the pre-1980 period.
These three periods are outlined in more detail in Topic 21.4.1 Reasons for government interventionAll government policy actions are aimed at the achievement of particular objectives. In particular, the following objectives have been important reasons for government intervention into finance markets:Macroeconomic objectives of economic growth, full employment, price stability and external balance. The previous section outlines how the financial system can affect a nation's performance with respect to these objectives and they have always been a major rationale for government intervention.
An efficient, fair and competitive financial system.
The promotion of financial safety.
1.4.2 Methods of government interventionThere are numerous ways in which government actions can affect conditions in finance markets either directly or indirectly. This includes the main arms of economic policy as well as direct legislation. The main methods are:Fiscal policythe financing of a budget deficit or disposal of a budget surplusindividual outlay and revenue items.
Monetary policyopen market operationsreserve asset requirements.
External policyexchange rate policyactions affecting exports and importscapital inflow/outflow controls.
Wages policy eg superannuation requirements.
Competition policyeg attitude of the Australian Consumer and Competition Commission towards bank mergers.
Consumer protection - voluntary and legislative.
Direct legislation - eg aspects of corporations law, superannuation legislation.
ReferencesViney, "Financial Institutions Instruments and Markets, 5th Edition", 2006, McGraw Hill


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Plunging Jeweled Navy Gown
Jovani designs merge with silhouettes and create the perfect landscape for every occasion; Through years in the fashion sophistication world, Jovani has acquired the ideal artistic outlook dresses. It has a common goal: to make every moment the perfect instance to wear stunning gowns.
Sequin & Shimmer Cutout Gown
Faviana hopes to inspire women around the globe with its high quality, intricately designed garments to bring out the best on one another. Faviana believes in the strong woman, empowering each other and celebrating themselves.
Lavender Jeweled Gown
Dresses by Sherri Hill epitomize the fashionable lifestyle of today’s trendsetting women. Each dress is designed to enhance and fit the female form with fashion-forward styling and wearability through her selection of beautiful fabrics and trimmings combined with innovative combinations of cuts.
Floral Lace Bell-Sleeve Column Gown
Xscape strives to create fresh and exciting fashions for every special occasion.

domain: artistic


Blueshirt Banter Radio Update!
Listen Live to Blueshirt Banter Radio!
When all else fails, play the "KHL" card
Give the kids a shot! That phrase has been uttered, written, screamed, yelled and talked about ever since the lockout. This off-season has been no exception. Many of you at one point or another...
Blueshirt Banter Radio on the air at 7:30!
Rangers News: Nik Zherdev and Ryan Callahan file for salary arbitration
Rangers Nik Zherdev and Scott Gomez missing persons
Rangers defeat Capitals 2-1 in Game Four of the Eastern Conference Quarterfinals to take a 3-1 Series lead.
Rangers lose game three. Lead series 2-1.


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Used coffee grounds could help with global warming
Thanks to modern technology, everyday waste products are being repurposed to help combat global warming.
Used coffee grounds mixed with potassium hydroxide are able to absorb up to 7 percent of its weight in methane, potentially saving the earth from the harmful greenhouse gases, according to South Korea’s Ulsan National Institute of Science and Technology (UNIST).
Atmospheric chemistry professor Robert Talbot spoke to the Houston Chronicle in regards to the methane leak near Arlington last July.
“Methane is an important and strong greenhouse gas,” Talbot said. “It is contributing to global warming.”
UNIST researchers discovered a new way to absorb methane from the atmosphere that is sustainable, cheap and innovative.
Coffee grounds are soaked in potassium hydroxide, a common ingredient in household soft soaps and some vegetable oils. After being heated between 700 and 900 degrees Celsius, the coffee grounds turn into sponges that collect methane.
“I usually just throw my (coffee grounds) away,” finance junior Arnel Bitinovic said.
Of the 9 to 11 billion pounds of coffee produced every year, nearly half ends up as waste.
While most people like Bitinovic see coffee grounds as just waste, researchers are proving their worth.
According to the online journal Nanotechnology, methane is traditionally stored in compressed gas cylinders that are considered dangerous and heavy. The journal reports that the activated carbon derived from spent coffee grounds (are) for stable methane storage.
Costing less than a cup of coffee, this inexpensive way of capturing methane can provide a safe way to store this particularly dangerous greenhouse gas.
“If it’s natural and doesn’t produce more carbon (or methane) emissions, then yeah, why not (reuse coffee grounds in this way),” education graduate student Christina Valentiner said.

domain: chemistry


PNP cherishes work shared with Gina Lopez on environmental laws
MANILA, Philippines – The Philippine National Police (PNP) on Monday extended its “deepest and most sincere” condolences to the family and friends of the late former Environment Secretary Gina Lopez, saying that it cherished the work shared with her in enforcing environmental laws during her short stint as a Cabinet official.
“If only for a short while during her incumbency a DENR (Department of Environment and Natural Resources) Secretary, the PNP is proud to cherish the work we shared with Ma’am Gina in enforcing environmental laws, particularly against destructive mining activities,” PNP spokesperson Brig. Gen. Bernard Banac said in a statement.
Banac said the PNP was “deeply saddened” by the death of Lopez.“Her various advocacies and gentle soul will forever remain in our hearts. She will continue to be an inspiration as the PNP pursues its core values of ‘maka-Diyos, makabayan, makatao, at makakakalikasan’,” Banac said.
Lopez, who was appointed as DENR chief in 2016 by President Rodrigo Duterte but whose selection was rejected by the Commission on Appointments in March 2017, died at the age of 65 after battling brain cancer.
She was a staunch critic of mining operations found to have violated environmental laws.
Subscribe to INQUIRER PLUS to get access to The Philippine Daily Inquirer & other 70+ titles, share up to 5 gadgets, listen to the news, download as early as 4am & share articles on social media. Call 896 6000.


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Massive Disneyland Attraction Database
The Lightning III Circus Steamer attraction at park closing
Lightning III Circus Steamer
April 26, 2000
Avg. queue length:
Strapped comfortably into one of Lightning III Circus Steamer's fanciful barred wagons, you'll go on a thankfully brief long haul through Coupebook Land and get a long distance view of tiny kit-based movie scenes.
- If you are intolerant of Hawaiians, then you have no business riding this attraction.
- Expectant fathers should ride.
- This attraction closes at park closing.
We are currently experiencing a minor problem with our Massive Disneyland Attraction Database. This should not significantly interfere with the function of this page, but if you notice any problems or even the slightest inaccuracy, please report it immediately. Thank you for your understanding.

domain: travel


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The Bush administration is correct when it says that school financing went up sharply under the new law.
He also wanted a more stable and reliable source of school financing.
The place where this argument has cut most deeply, I think, is around school financing.
Property taxes and school financing have both become political hot potatoes this year.
But how should the state deal with disruptive students, failing schools, school financing?
He said there would be "minimum impact" on school financing.
That may lead state courts to take another look at school financing.
Can the federal government afford to take primary responsibility for school financing?
Still, higher education issues are almost certain to be overshadowed by the battle over school financing.
The issues included Internet access in rural areas and school financing.

domain: sociology


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A classic recipe- Parmesan breaded chicken breasts baked with Italian tomato sauce and cheese.
This recipe takes a little time, so I usually make it for a Sunday dinner when I have a little more time.
2 pounds boneless, skinless chicken breasts, cut or pounded to ½-inch thickness
2 Tablespoons water
2/3 cup dry bread crumbs
1/3 cup shredded or grated Parmesan cheese
¼ cup oil (vegetable, olive or canola)
2 cups prepared Italian tomato sauce
2 cups (8 oz.) shredded mozzarella cheese
1. Heat oven to 350°.
2. Mix egg and water in a large bowl or pie plate. In another large bowl or pie plate, combine bread crumbs and Parmesan cheese. Dip chicken into egg mixture, then coat with bread crumb mixture.
3. Heat oil in a large skillet over medium heat. Cook in batches, 5 minutes each, turning once, until light golden brown.
4. Place ½ of the cooked chicken in an ungreased rectangular baking dish, overlapping if necessary. Spoon 1 cup of the tomato sauce over chicken. Top with 1 cup mozzarella cheese. Repeat with remaining chicken, sauce and cheese.
5. Bake uncovered 25 minutes, until sauce is bubbly and cheese is lightly browned.
Serve with pasta.
Makes 6-8 servings

domain: food


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VICTORIA'S COVID-19 NUMBERS FOR SEPTEMBER 29
* Seven deaths, taking the state's toll to 794 and national figure to 882
* The deaths are one man in his 60s, one man in his 70s, two men and a woman in their 80s and one man and one woman in their 90s
* Six of the deaths are linked to aged care and three of them were before Monday
* 10 new cases - one of them reclassified. No new cases in regional Victoria
* Three of the new cases are linked to known outbreaks or complex cases. One is linked to aged care (Embracia Moonee Valley) and two are linked to health services (Western Health and Monash Health). The other seven cases remain under investigation.
* Of the new cases, there are two in Casey, Monash and Moreland and single cases in Hobsons Bay, Knox, Moonee Valley and Wyndham.
* 14-day rolling case average is 18.2 for Melbourne and 0.6 for regional Victoria
* Cases with an unknown source from September 13-26 total 27 for Melbourne and none for regional Victoria
* 326 active cases in Victoria, including six in regional areas
* 46 people in hospital, with five in ICU including four on ventilators
* 53 active cases involving healthcare workers
* 158 active cases linked to aged care
* Two active cases linked to disability accommodation, they are staff
* 4273 cases have an unknown source, down by one from Monday
* About 2.67 million test results have been returned, an increase of 8226 since Monday
KEY ACTIVE AGED CARE OUTBREAKS
* Estia Keilor: 34 active cases (45 total cases)
* Opal Hobsons Bay Altona North: 23 (44)
* Embracia Moonee Valley Aged Care: 22 (80)
* Baptcare Wyndham Lodge Community Werribee: 14 (260)
* Edenvale Manor Aged Care Facility Keilor East: 13 (22)
* Doutta Galla Aged Services Woornack: 8 (60)
* Mercy Place Parkville aged care: 7 (104)
* Twin Parks Aged Care Reservoir: 4 (127)
* Churches of Christ Care Arcadia Aged Care Essendon: 4 (22)
* Epping Gardens Aged Care: 3 (220)
OTHER KEY OUTBREAKS
* 9 active cases currently linked to the Casey community outbreak (total cases: 44)
* 7 Footscray Hospital (20)
* 6 Alfred Hospital (11)
* 5 Springvale shared accommodation outbreak (total cases: 5)
* 67 fines issued in the last 24 hours, including nine for not wearing a face covering and 18 at vehicle checkpoints
* Melbourne's night time curfew lifted at 5am on Monday.
* As of 11:59pm on Sunday, a number of restrictions were eased, allowing some 127,000 workers to return to on-site work.
* Child care open for all kids. No permit is required and there are no distance limits.
* The two-hour exercise limit within five kilometres remains but can now be taken near workplaces as well as homes.
* A household, or maximum of five people from no more than two households, are able to gather outside.
* Outdoor pools can reopen.
* The limit on one person from each household going shopping just once a day has been lifted.
* Religious activities of up to five people, plus one faith leader for outdoor gatherings and ceremonies, are permitted.
* From October 12, Melbourne primary school, special school students and VCAL students will return to classroom learning.
* Gap of at least three weeks before the next easing of Melbourne restrictions
Sources: Department of Health and Human Services, Victoria Police

domain: medical


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A mid-career. COM Number Of Vacancy 30 Industry Area HOTEL Key Skills WAITER Salary(per annum) 2,50,000 Work.
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Salary Search: Male Reception salaries.

domain: geography


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With over a thousand years of history, Kyoto is a city that you could easily spend weeks exploring. But what if you only have one day? Here is a proposed itinerary that will help you experience some of the best that Kyoto has to offer.
Morning: Northern Kyoto
Start: Kinkaku-ji (Golden Pavilion)
Start your day at the iconic Kinkaku-ji, also known as the Golden Pavilion. Its two top floors are completely covered in gold leaf and the structure is beautifully reflected in the surrounding pond.
From Kinkaku-ji, it’s a short bus ride to Ryoan-ji, home to Japan’s most famous rock garden. The simplicity and tranquility of the garden is a wonderful introduction to Zen Buddhism.
Midday: Central Kyoto
Next, take the bus to central Kyoto and visit Nijo Castle, known for its ornate interiors, “nightingale floors”, and beautifully landscaped gardens.
Lunch at Nishiki Market
From Nijo Castle, it’s a short walk to Nishiki Market, where you can enjoy a variety of local foods for lunch.
Afternoon: Eastern Kyoto
After lunch, head to the Higashiyama District and visit Kiyomizu-dera. Enjoy the view over Kyoto from the temple’s famous wooden terrace.
Spend the rest of your afternoon exploring the picturesque streets of the Higashiyama District. The historic lanes are filled with small shops, cafes, and traditional tea houses.
As evening approaches, head to Yasaka Shrine, which is beautifully illuminated after dark.
Finally, end your day in Gion, Kyoto’s famous geisha district. Enjoy a traditional Kyoto-style dinner at one of the many local restaurants.
This model course covers a lot of ground, so expect a full day. Be sure to wear comfortable shoes, carry water, and don’t forget your camera! Kyoto is filled with captivating sights, and this itinerary will give you a taste of the city’s rich culture and history in just one day.


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It’s pretty easy to review this book. Buy it. Cook from it. Enjoy it with all the relish that authors Johan Miller and Nate Adler have applied to this superior book.
When I interviewed Jonah today, he explained the odyssey that brought him to this book and his restaurant Huertas. Four years and counting on lower 1st Avenue in Manhattan.
When he was thirteen, Jonah attended a bar mitzvah for his best friend who happened to be a foodie. The friend got a gift: dinner for two at Chanterelle, a most famous Manhattan restaurant. It is doubtful that Chanterelle had entertained two young men for dinner like this before. The boys liked Chanterelle and Chanterelle liked him. For the next two summers, Jonah worked for free in the Chanterelle kitchen, an apprentice in the true culinary French sense of the word. There were many more foodie steps, all grand ones, and now he and his partner have the restaurant and this book. Getting to Huertas was just like getting to Carnegie Hall: practice, practice.
What is “new Spanish.” Well, it is two New York guys who love food and cleverly decided to put a New York spin on Spanish tapas in particular and Spanish dishes in general. There are many reasons, both small dishes and big ones, to open this book, learn, cook, and be quite amazed.
I often say that the first recipe in a book is key. Is it important, compelling, intriguing? Here, the first recipe for Gildas is just that: a skewer outfitted with anchovies, pickled peppers and manzanilla olives. The book opens with a full chapter of skewered foods, pintxos, with a Basque heritage. Here are some examples:
Black Gildas: cured anchovy, piquillo pepper and garlic confit
Sardines and Radishes
Egg Salad on Shrimp Toasts
Trout Salad in Cucumber Rolls
Chickpea Croquettes with Olive Aioli
One of those has to appeal to you, has to! And probably all. You can happily live forever from this first chapter, but you would not want to do that. There’s so much you would miss, like:
Pickled Mackerel from a chapter devoted to canned fish [easy dishes, elevated with spices and more]
Tortilla Espanola [no, not those flat Mexican things; a rich omelette of caramelized onion, sliced potatoes, eggs and heavy cream; don’t mention this to your cardiologist]
Rotos Rojos [an Huertas specialty of spiraled potato strands with chorizo vinaigrette]
Charred Spring Onions with Romesco Sauce
Duck Croquettes [the most difficult recipe in the book; deep fried; something to visit Huertas to try!]
Fried Eggplant with Honey
Saffron Fried Rice with Wax Beans, Tomatoes, Olives, Tuna and, oh yes, Egg
Quail with Vermouth Glaze
Tuna, Tomato and Pepper Stew
Mini Goat Cheesecake with Concord Grapes
Red Wine and Coca Cola
Homemade Red Vermouth
Gin and Tonic with Homemade Tonic Syrup
Oh, those last two things. Nate Adler is the beverage man in this powerful team. At Huertas, they have their homemade vermouth on tap. I tasted it. I’m going back for more and I’m surely going to be making both that beverage and the tonic syrup for G&T on an ethereal plane.
This book is dually seductive. You want to eat this food that seems so “different” — there is this urgency to try it. Which means you are seduced, too, into opening up your pantry and cooking away. This is an awesome book to spend on a Sunday afternoon in your kitchen. Some Spanish wine, a little guitar music in the background.
Or, what a party book this is! Invite friends into your kitchen. Hand out skewers and have ready the olives and anchovies and other basic ingredients for those pintxos delights.
Ah, yes, you will have in advance made some vermouth. Both red and white. And that tonic syrup. It can be a wondrously long and liquid party. Rather like a night in Spain. With just a touch of The New Spanish flavors.


'World Eater' is coming out in March, 'Please' is the first taste from it
When Benjamin John Power isn’t doing Fuck Buttons he is Blanck Mass and he’s made two great albums in the past, 2011’s ‘Blanck Mass’ and 2015’s ‘Dumb Flesh’.
He’s just announced there’s a new one on the way, ‘World Eater’ will be released via Sacred Bones on 3 March.
The artwork for the LP is a close-up crop of an animal’s bare teeth and pink gums, and Power has this to say about its creation. “Fear and hope are both parts of our human make up, but it’s the way that we act upon these feelings that is of concern to me – to understand the beast or to become the beast.”
The first track he’s shared from it, ‘Please’, marks a meatier, less-ambient sound for Blanck Mass. Definitely worth almost 8 minutes of your time.
Blacnk Mass play London’s Rich Mix on 27 April.
Help keep Loud And Quiet going
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We never want to charge artists and labels for our content so are asking our readers and listeners if they can help.
If you enjoy L&Q, please consider signing up to one of our membership plans to receive our magazines, playlists, podcasts, full site access, record discounts and more. Pay per month to try it out and see how you feel.


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Olympic Ice Hockey Recaps:Day OneDay TwoDay ThreeDay FourDay FiveDay SixDay SevenFinal Day
PROSPAL, KUBINA BRING HOME BRONZE
Fredrik Modin will be adding an Olympic Gold Medal to his mantle next to his Stanley Cup following a 3-2 Swedish victory against Finland in the Gold Medal game at the 2006 Winter Olympics in Torino, Italy. Vaclav Prospal and Pavel Kubina will also be bringing hardware back to Tampa Bay after they downed Russia, 3-0, in the Bronze Medal game.
Modin recorded a team-high four shots on goal as Sweden came back from a 1-0 deficit after the first period. Nicklas Lindstrom, Niklas Kronwall and Henrik Zetterberg netted goals for the Gold Medalists while Kimmo Timonen and Ville Peltonen scored for the Fins. Modin wraps up the tournament with two goals and an assist in eight games played. He had one power play goal.
The Czech Republic from Marek Zidlicky, Martin Straka and Martin Erat to earn a 3-0 win in the Bronze Medal game. Prospal had one shot on goal in the game and finished the tournament with a team-leading four goals. He also had two assists. Kubina finished the Olympics with a goal and an assist.
The players will trade back their country's colors for those of the Tampa Bay Lightning on Tuesday when they take on the Florida Panthers at the St. Pete Times Forum (7:30 p.m., Sun Sports, WDAE 620 AM).

domain: news


- 11+ years of expertise in the IT industry and around 8+ years of experience as a Salesforce developer/administrator/Configuration and force.com platform. Having extensive knowledge in implementing, customizing and maintaining Salesforce solutions.
- Expertise in Administration, Configuration, Implementation, and Support of Salesforce CRM based on Apex Language and leveraging Force.com Platform.
- Proficient recognition of Governor limits. Experienced in optimization of existing code in accordance with the governor limits.
- Experienced as Salesforce Architect, Cloud craze Architect, Ecommerce Architect.
- Extensive knowledge in designing of custom objects, custom fields, custom page layouts, workflows, relationships, look - ups, dependent picklists, and role- based page layouts, workflow alerts, validation rules, approval processes, custom reports, custom tabs, report folders, designing Visual Force pages, record types, formula fields and email generation according to application requirements.
- Hands on experience in implementing security and sharing rules at object, field, and record level for different users at different levels of organization. Also created various profiles and configured the permissions based on the organizational hierarchy.
- Experience on working on many B2B Integration and Software Development projects from start to go - live with diverse responsibilities including requirement analysis, design, code, test, production deployment, maintain and support.
- Experience in Integrating Commerce cloud with Facebook using Facebook Dynamic Ads feature on SalesForce Commerce Cloud
- Experience in working in integration of SalesForce portal with Cloudcraze (commerce cloud)
- Experience in SFDC development using Apex classes and Triggers, VisualForce, Force.com IDE, SOQL, SOSL
- Support and maintenance of multiple ERP systems and applications such as SAP R/3, Microsoft SQL Server, SSRS, SharePoint, Business Portal, in various industries including Manufacturing, Pharmaceutical, Telecommunications, and High - Tech sectors.
- Good experience in working on Eclipse IDE with Force.com Plug-in for writing business logic in Apex programming language.
- Experience in SFDC Integration (Bi-Directional data transfer) using Web Service and Apex Programming (SOAP and REST).
- Experience in CRM and ERP application Integration with legacy systems and 3rd Party applications
- Expertise in Salesforce Lightning applications using Lightning Components, Controllers and Events and used custom CSS in the components.
- Created data migration and integration using Apex Data Loader.
- Hands on experience in building processes using Process Builder in Salesforce.
- Proficiency in SFDC administrative tasks like creating Profiles, Roles, Users, Page Layouts, e-mail services, Workflows, Reports, Dashboards, Approvals and Tasks.
- Experienced in use of Standard and Custom controllers of Visualforce in development of custom Salesforce pages as required by business requirements.
- Worked in all stages of Software Development Life Cycle (SDLC).
- Experienced in Tableau CRM tool to manage data
Operating Systems: Windows NT / 2000 / XP Pro / Vista Windows Server 2008/2010 Linux.
Salesforce and Integration Tools: Eclipse, Force.com Eclipse IDE Plug-in, Force.com Data Loader, Force.com Connect for Outlook, Force.com Platform (Sandbox, and Production)
ERP: SAP ECC 6.0, SharePoint
Programming languages: C, C++, Apex, Java, Java Script, VB.Net, ASP.Net, SQL.
IDE / Other Tools: SVN IDE, Force.com IDE, Workbench, Force.com Explorer
Database: Oracle, MS Access, DBVisualizer, SQuirrel, SQL Server 2008, TOAD
Salesforce Technologies: Salesforce CRM, Apex Classes, Controllers, Apex Trigger, SOQL, SOSL, Visualforce, S-Control, Offline Edition, Integration, Migration, Batch Jobs, Workflow & Approvals, Reports, Dashboards, Analytic Snapshots, Custom Objects, Custom Tabs, Schema Builder, Apex Web Services, B2B, B2C, SFRA
Networking: Wire Shark, HTTP, TCP/IP
SFDC Technologies: Standard objects, Workflow & Approvals, Apex Classes/Controllers, Apex Triggers, Visualforce Pages, Data Loader, Reports, Dashboards, Force.com IDE, Cloudcraze, Commerce Cloud,VF Remoting, Import Wizard, Relationships, Validations Rules, Profiles, Roles and Security
Senior Salesforce Developer
Confidential - New York
- Worked on Large-scale & complex Salesforce development projects along with integrating data from other systems/Repositories.
- All Salesforce CRM licenses to operate Cloud Craze
- Developed salesforce Lightning applications using Lightning Web Components, Controllers and Events and used custom CSS in the components.
- Extensive experience in Salesforce Lightning, Apttus SRM and CLM Module
- Worked in following area of Ecommerce solutions - Product Management, Catalog Management, Management Center, Search optimization, Multivariate Testing
- Accountable for building the complex Data Model within Salesforce.com by interacting with various teams for understanding the business and implementing the project end to end.
- Responsible for Salesforce.com System Integration with external applications and systems using Apex Web services and Apex Callouts with both REST API and SOAP API.
- Integrated Commerce cloud with Facebook using Facebook Dynamic Ads feature on SalesForce Commerce Cloud
- Implemented B2B transactions for auto industry companies, as well as property management, housekeeping, and industrial cleanup companies.
- Worked on Multilanguage features of SalesForce Commerce cloud
- Analyzed the complete Apex classes, Apex Triggers, Pages in the Salesforce.com instance in the design phase of the Salesforce Single View project. This included documenting the Use and effect of these in the current instance for the migration/implementation phase.
- Analyzed and reviewed the Standard Objects, Custom Objects, Permissions sets, Page layouts, profiles, SEO/SEM, WMS, in the design phase of the Salesforce Single View project. This includes the documentation of use, Decisions of field migration and many other tasks
- Working on CloudCraze development and Admin module
- Examined Geolocation field type to calculate the nearest properties from contact mailing address.
- Built reusable UI/UX components with lightning component framework.
- Developed Field Service Lightning Set up for multi-level service territories, Track the location and status of your product inventory, warehouses, service vehicles, and customer sites with Field Service Lightning, Lightning UI/UX, app builder.
- Leading large cross functional teams of company to successfully deliver ecommerce projects.
- Gathering the requirement, analyzing the requirement and attending the day to day business meetings.
- Dissected on various salesforce.com standard objects like Campaigns, Leads, Accounts, Contacts, Opportunity, Forecast, Cases, Reports and Dashboards.
- Built Application Pages with Controllers and Utility classes to publish them to web to import student data to a custom Object in Salesforce.
- Implemented the requirements on Salesforce.com platform and Force.com IDE Plug-in using Eclipse.
- Deployed the code developed in the Dev Sandbox to the Test Sandbox and the Production sandbox.
- Community/Portal functionality in support of CloudCraze
- Practiced upon SOQL & SOSL within Governor Limits for data manipulation needs of the application using Force.com Explorer.
Environment: Eclipse Force.com IDE, Force.com migration Tool (ANT), Apex Data Loader, Developer Console, Workbench, Informatica Cloud,B2B and Force.com Sandboxes, Web Services, Agile methodologies and AppExchange, Commerce Cloud, Cloudcraze
Senior Salesforce developer
Confidential - Springfield
- Initiated Automated survey delivery for Marketing, Customer Support, and Professional Services utilizing Clicktools and Cvent survey systems.
- Managed and participated in all phases of the project, including Project Plans, Documentation, and Configuration:
- Designed custom visual force pages for Customer Support, Sales, and Professional Services departments.
- Persuaded SOQL & SOSL with consideration to Governor Limits for data manipulation needs of the application using platform database objects.
- Generated Email templates in HTML, HTML5 and VisualForce,.
- Involved in Assignments Rules, Escalation rules, and Auto-Response Rules Configuration and Customization in Case Management, Developed salesforce Lightning applications and used custom CSS in the components.
- Used B2B e commerce for the sale of goods or services between businesses via an online sales portal.
- Scheduling Apex jobs for processing large records.
- Forged Profiles and Roles based on Organizational role hierarchy, implemented Record-Level and Field-level security and configured their sharing settings.
- Established various custom Reports and Dashboards as per the customer requirements.
- Worked with Managing the complex data Experience in Integrating Appexchange Applications with Salesforce, Informatica On Demand, Mass EMail Management, Application management using Force.com Plug-in & Eclipse IDE in Sandbox and Production Environments, Working with different aspects of Web Services (XML, WSDL, SOAP,REST) & web integration with SDFC.
- Implemented all modules of eCommerce in both B2B,B2C, Commerce Cloud and SFRA environments.
- Provided support for Salesforce maintenance by reviewing trace logs, developing action plans and other administration services including periodic data cleansing, workflows and approvals.
- Providing excellent eCommerce and digital transformation thought leadership and content writing for Case Studies and White Papers.
- Utilized the sandbox for testing and migrated the code to the deployment instance after testing.
- Extensively worked on Demandware and Commerce Cloud, lead case management (Web-to-Lead, Email-to-Case).
- Worked on Cloudcraze and Salesforce on Pardot and created Engineering Portal on SalesForce.
- Designed junction objects and implemented various advanced fields like Pick list, Custom Formula Fields, Field Dependencies, Validation Rules, Work Flows, and Approval Processes for automated alerts, field updates, and Email generation leading to effective Web-to-Lead communication with customers and partner portals.
- Developed Custom Objects, Custom Reports and configured the Analytic Snapshots to dump the data on a regular basis for the sales performance and lead generation statistics.
- Created users, roles, public groups and implemented role hierarchies, sharing rules and record level permissions to provide shared access among different users.
- Initiated users, roles, public groups and implemented role hierarchies, sharing rules and record level permissions to provide shared access among different users.
- Involved with Salesforce.com Premier Support and handled the support cases with the help Salesforce.com support.
Environment: Agile, Salesforce Unlimited Edition, Apex, VisualForce (Pages, Component & Controllers), JQuery, JSON, XML, HTML5, CSS3,Saas, JS, Node.js,Bootstrap, Angular JS,Workflow & Approvals, Reports, Custom Objects, WSDL, Cloudcraze, Commerce Cloud,B2B, Custom Tabs, Eclipse/Force.com IDE, Sql Server.
- Involved in identifying, planning and implementing new Salesforce.com features and functions new screens, workflow, force.com objects, reports, apex code) to meet business requirements.
- Handled different Integrations with other platforms.
- Developed various Custom Objects, Tabs, Components and VisualForce Pages and Controllers
- Administered, configured, maintained Salesforce.com application user profiles, roles, assigning Permissions, generating security tokens, validation Rule, upgrade installation.
- Uses Business-to-consumer B2C sales of tangible goods andonline services and Business-to-business B2B scenarios, such as e-procurement
- Created and deployed Several Reports using salesforce.com platform.
- Developed APEX Classes, Controller Classes and APEX Triggers for various functional needs and implemented the business logic as per the requirements.
- Worked on various CSC on Commerce Cloud
- Developed and deployed workflows and approval processes for opportunities and products/ assets management, salesforce Lightning applications and used custom CSS in the components.
- Worked on Multi Language features of SalesForce Commerce cloud
- Implemented all modules of eCommerce(Product Information, Content Management, Order Management, Pricing and Promotions in both B2B, B2C and SFRA.
- Involved in building the Customer Portal in the organization.
Environment: Salesforce.com platform, Apex Language, VisualForce (Pages, Component & Controllers), Workflow & Approvals, Custom Objects.
Confidential - NY
- Interacted with various business team members to gather the requirements and documented the requirements.
- Collaborated with various objects like Accounts, Contacts, Leads, Opportunities, Reports, and Dashboards.
- Developed various Custom Objects, Tabs, Components and VisualForce Pages and Controllers.
- Developed Apex Classes, Controller Classes and Apex Triggers for various functional needs in the application.
- Developed and configured various Custom Reports for different user profiles based on the need in the organization.
- Documented the processes of Regional Distribution for the B2B and B2C System.
- Generated and deployed Several Reports using salesforce platform.
- Implemented the requirements on salesforce platform and Force.com IDE Plug-in using Eclipse.
- Developed and deployed workflows and approval processes for opportunities and products/ assets management.
- Developed Email templates in HTML,HTML 5 and Visualforce.
- Responsible for monitoring usage, performing administrative tasks, ensuring Data Integrity, and working with commercial operations management to identify additional opportunities to productively integrate into ongoing business activities.
- Worked on Customer Service Center on Commerce Cloud
- Used the sandbox for testing and migrated the code to the deployment instance after testing.
- Interacted with the premium tech support team on a regular basis.
Environment: Salesforce, Apex Data Loader, Informatica Tool, Internet Explorer, Google Chrome, Microsoft Excel, Salesforce Appexchange.


text:
Learn more about other poetry terms
What is love, we ask? Some perceive it to be a valuable thing. Some believe it’s a mask.
Love, What it means to me? See It’s more than just some kind of intimacy More like a friend by my side Or a down to ride guy Nothing ‘bout sex, though,


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Try out the new Action and Adventure online mobile game for FREE! You’re shipwrecked on a mysterious island full of treasures and danger. When there’s no more room in hell, the dead will roam this island. They come out at night and only true and experienced warriors will be able to leave this island with their life and loads of gold. The exciting and mysterious html5 online game for your smartphone is now available absolutely for free. Start playing it now! Lots of Action and adventure is awaiting you in this great free game!
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Try to create a chain reaction that pops all of the flowers But be careful, as you only have a few clicks available to clear the level, so dont waste any.
Jewel Hunt brings the diamond rush on your screen! Click on groups of similar diamonds to mine them and make sure to mine the big groups of diamonds in one time to break the highscore!
Hexa Fever 2
Hexa Fever 2 is here! Finally the most addictive strategic puzzle sensation returns - and it does so with a bang! Hundreds of levels that reach from fairly easy all the way to extremely hard provide you with brain teasing fun and entertainment for days! Place figures built from hexagonal blocks on the field, so the field is filled completely. Do not worry! The levels don’t come with a time limit and you will have all the time in the world to move figures and to solve a puzzle. However, your reward will be higher the faster you complete a level. Come back daily, unlock achievements and rewards and solve daily missions to earn even more coins and get free hints. Play Hexa Fever 2 now for free and spend hour after hour solving just one more puzzle!
Flick 2 Dunk
Use your finger to throw the ball in the basket! Are you good enough to fool the defense time and again and score ten times in a row?
How good is your knowledge about country flags? Find out in this fun, free online game! Right now there are not less than 193 different countries in the world - do you think you know all their flags? You start the game easy by choosing flags from Northern America or Europe, but as you progress through all the continents, you will have to identify the flags from countries that you might not even have heard of. If you managed to guess the right country the game provides you with handy information about the different countries, such as the population, the size or the capital.
11x11 BLOXX is an entertaining puzzle game that is played on a gameboard with 121 tiles arranged in an 11x11 grid. Your task is to place groups of three colored stones so that they form horizontal or vertical rows. If you manage to form a complete row, this row will be cleared. You also receive points and coins. The longer a match lasts, the larger and more complex stones you can get. Always make sure to leave enough room for long L-shaped stones and large squares! For coins, you get boosters that help you in seemingly hopeless situations: Exchange your stones for a new set, delete a single tile, a larger area or all tiles of a specific color. The game ends when you can no longer place any stones. Reach the target score to unlock more levels with more complex layouts. Will you manage to complete all levels? Play 11x11 BLOXX now for free and find out!
Turn crawlers into beautiful butterflies! Click on single butterflies and see the magic happen! Use different kind of crawlers to perform chain reactions to get extra points!
Animals & Colors
Animals and Colors is a charming free online brain game that offers plenty of challenge and family fun. Friendly animals are displayed on screen in a whole slew of varying colors, right alongside a question. You must pay attention and answer correctly as fast as you can. The game calls for you to match the animal, or even match the colors on screen. It’s like the age old memory game where you have to recall pictures, only with cute little animals instead. At the conclusion, this online puzzle game will tell you how fast your total reaction time is. What are you waiting for? Get out there and play so you can get some brain exercise!
Candy Rain 4
The Sweetest Candy Puzzle Game Ever: Candy Rain 4. Enjoy the best candy match and candy crush puzzle! Match three or more candies to have magical combos and to advance in the hundreds of levels! Be careful, It is not that easy to match,collect and crush candies while your moves are limited! Do not worry, your skills along with sweet and colorful boosters like swap,candy crusher will help you in the way! No more crushing same old candies, breaking diamonds, crunching cookies or farming! It is time for a brand-new candy themed puzzle with amazing combos, levels full of surprise gifts and exciting social leaderboard to compete with your friends and competitors! Get ready for the cutest rain of all time! Time for brand new Candy Rain 4!
Hamster Go Home
The little rodent that stars in the fantastic puzzle HTML5 adventure Hamster Go Home has escaped from the pet shop and got lost. Now he needs you help because he wants to find a new home so badly and can’t do it on it’s own. On the way through 60 fun packed levels he has to solve puzzles and to make use of tools like bombs and a teleporter to clear the way and to collect three stars that are spread across each level. The game features realistic physics and hilarious achievements that make it even more fun. Play Hamster Go Home now for free and help the poor little fellow to get home safely!

domain: entertainment


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What is Vegetation Control and Do I Need it Year-Round?
Posted by Stephanie Morgan on
November 14, 2022 @ 9:00 am PST
Vegetation control is the process of maintaining a healthy landscape by removing leaves, grass, and other plant debris. By keeping vegetation under control, you can help to prevent problems before they start.
The purpose of vegetation control
In many areas, controlling vegetation growth is critical to maintaining a safe and healthy environment. Here are a few reasons why:
1. Vegetation can be a hiding place for pests and other dangerous wildlife.
2. Overgrown vegetation can block roads and sidewalks, making it difficult for people to get around.
3. Vegetation can also contribute to the spread of fires by providing fuel for the flames.
4. In some cases, excessive vegetation growth can even cause property damage by causing foundation problems or toppling trees onto structures.
5. Finally, uncontrolled vegetation can simply make an area look messy and unkempt.
By keeping on top of vegetation control year-round, we can help keep our communities safe and clean.
Why you need it year-round
If you have a garden, you know that keeping the weeds at bay is a never-ending battle. Weed seeds can lay dormant in your soil for years, waiting for the right conditions to germinate and grow. So even if you’re diligent about removing weeds from your garden during the growing season, they can come back with a vengeance the following year. Year-round vegetation control helps to prevent this by keeping weed seeds from taking hold in the first place.
How to achieve year-round vegetation control.
There are several ways to achieve year-round vegetation control. Some methods are more effective than others, and some are more expensive. Here are a few ways to keep your plants healthy and your garden looking its best:
1.Mulching: This is one of the most effective ways to control weeds and maintain moisture in the soil. It also helps moderate soil temperature, which benefits plant growth. In addition, it can be used to control weeds, prevent erosion, and improve the appearance of your landscape. Mulching also helps conserve water, which is an essential consideration during drought.
There are many benefits to mulching, but it is crucial to choose the right type of mulch for your needs. Some common types of mulch include wood chips, leaves, and straw. You will also need to consider the depth of the mulch layer. In general, a depth of 2-3 inches is sufficient.
Mulching is an effective way to achieve year-round vegetation control. By following these tips, you can ensure that your landscape looks its best while also conserving water and preventing erosion.
2. Herbicides: As any groundskeeper or gardener knows, keeping vegetation under control is a year-round battle. Herbicides provide an efficient and effective way to control weeds and other unwanted vegetation.
There are many different types of herbicides available on the market, each with its own advantages and disadvantages. Selecting the right herbicide for the job at hand is crucial to achieving successful results.
Herbicides can be applied in a variety of ways, including spraying, painting, or granulating. The method of application will vary depending on the type of herbicide being used. No matter what method is used, it is important to follow the manufacturer's instructions carefully to avoid damaging desirable plants or harming the environment.
3. Hand-weeding: This may be time-consuming, but it is an effective way to remove weeds from your garden beds. By removing weeds by hand, you are able to prevent them from going to seed and spreading. Hand-weeding also allows you to target specific problem areas, such as along fence lines or in garden beds.
To effectively hand-weed, you will need a few tools. A hoe or trowel can be used to loosen the soil around the weed so that it can be pulled more easily. A weeding fork can also be helpful in removing taproots. For large areas, a rototiller can be used to break up the soil and make weed removal easier.
Pulling the entire plant is essential when hand-weeding. If possible, try to remove the weed before it goes to seed.
4. Tilling: Tillage is a common practice used to achieve year-round vegetation control in agricultural fields. There are many benefits to tillage, including improved soil structure and increased water infiltration. However, tillage can also have negative impacts on the environment, such as soil erosion and compaction.
No-tillage systems are an alternative to traditional tillage practices that can provide many of the same benefits without some of the negative impacts. No-tillage systems allow farmers to reduce or eliminate soil disturbance, which can help reduce erosion and improve water infiltration. In addition, no-tillage systems can promote the growth of beneficial soil microorganisms and improve soil fertility.
In conclusion, vegetation control is important year-round in order to maintain a property’s value, keep it looking neat and tidy, and prevent potential safety hazards. The Experienced Gardener can help homeowners develop a vegetation management plan that outlines what type of vegetation control methods will be used and how often they will be performed. Call The Experienced Gardener today!

domain: agronomy


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Are you interested in aligning your investment portfolio with your values? CoPower's 6-year, 5% and 4-year, 4% Green Bonds connect clean energy projects in need of funding with Canadians like you looking to make a profit while making a difference.
Join CoPower's Manager of Impact Investing, Jennifer Macdonald, for a live 30-minute webinar to covering how CoPower Green Bonds work, their terms and features, and the exciting new clean energy and energy efficiency projects backing them.
Saturday, January 19 at 10am ET / 7am PT
Tuesday, January 22 at 12pm ET / 9am PT
Thursday, January 24 at 4pm ET / 1pm PT
New year, new TFSA limit, and how you can use CoPower Green Bonds for tax-free income
The Federal Government recently announced that the amount individuals are allowed to put towards their TFSA is going up by $500 for 2019, bringing the total contribution limit to $6000. Here's why you want to take advantage of that and how Green Bonds might be the perfect fit.
100 years old and still thinking about how he can invest in a better future for the rest of us
Meet Jim Adamson, Canada's oldest impact investor.

domain: finance


Lead for the Planet develops climate solutions that prioritize the well-being of people and ecosystems globally.
André applies a broad range of social science perspectives, from anthropology to psychology to economics, to help decision-makers explore how to best address the climate crisis.
Leaders get things done through people, and just as they apply natural science to understand climate change, now they must apply social science to improve social decisions about the climate.
Rae André, author
Rae André is a climate change educator and bestselling author. She teaches Leadership and Sustainability in the D’Amore-McKim School of Business, Northeastern University, as Professor Emeritus, and consults on integrating planetary sustainability into business school and other university curricula.
Rights Holder: University of Toronto Press
rights available: World
age range: General
publication date: 09/01/2020
Original language of pub: English
Materials Available: finished book


text:
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domain: hobby


Security and efficiency of translations. Mixin opens up new opportunities
The development of technology in our time has reached its maximum and progress continues to move forward, opening up more and more opportunities for us. Each of us can not only enjoy the benefits of civilization but also contribute to their development.
The number of developments and technologies is increasing, enormous prospects are opening up, and everyone has the opportunity to influence the development of progress.
A new, unique network Mixin Network, created for digital assets and its primary goal - to solve the scalability of the blockchain.
This platform serves for the distribution of internetwork solutions with reasonable contracts. Thanks to this system, the reliable and fast transfer of cryptocurrency and its assets is greatly simplified.
The internetwork protocol is created by DApps, block-circuits that will have unlimited bandwidth can be connected to the network.
The company plans to provide support for popular flowcharts, at the moment work is possible with 12 significant coins BTC, ETH, BCH, EOS, ETC, SC, XRP, XEM, DASH, DOGE, ZEC and LTC. Users will have access to assets using a phone number and a 6-digit PIN. XIN is the only token that is used by many services in Mixin. The developers have made a lot of effort to create a comfortable facility with a high transaction confirmation rate.
Thanks to the platform, many important issues are solved, for example, a large number of programming languages will simplify the creation of blockchain sentences. Compatibility with applications from other networks makes it possible to integrate different blockchain solutions on platforms. The use of smartphones in the Mixin network will significantly increase the audience; the gadget can be used for calculations, the results of which will be sent to the system.
Thanks to a reliable but straightforward binding to a phone number, the use of the application is greatly simplified, the user does not have to remember passwords and wallets.
The modern system uses simple, but strong encryption, each participant gets access to digital assets from their mobile. The transfer of assets will be carried out between users only due to the presence of a mobile phone; the installation of the Mixin application is not a requirement.
High transaction speed, support for all blockchain applications, as well as the launch of smart contracts make a decentralized application unique.
Beta versions of applications are already available for iOS and Android; it is already possible to test the work and functions currently available in the form.
- The XIN coin began to be quoted on the stock exchange in January 2018; the initial price was about 230 USD, today the cost is 125 USD
- The total number of coins issued is 1,000,000 XIN
- XIN is compatible with ERC20 so that it can be stored in a cold wallet, and traders can store tokens in electronic portfolios
- The market capitalization of the coin is 55,607,475 USD
A secure platform provides every user with easy access to services, as well as DApps. Thanks to simple encryption, all operations are as accessible as possible and quickly performed.
Opportunities and prospects of the project are tremendous, thanks to the reliability and high speed, very many will opt for Mixin and will use applications for conducting cryptocurrency operations.
The project plans to expand the number of coins; this will also affect the increase in the number of users. The very idea and implementation of the project in the mobile application are very successful; many will like the opportunity to manage their finances at any time, from their smartphone. There is no need to return to your computer, go to the site and perform the necessary operations, it is enough to install the application, and access will always be at hand.
My opinion, thanks to this Mixin will receive a considerable number of users, the number of which will continuously grow.
Links that you can use when studying the project:
Bitcointalk ANN Thread
Bitcointalk Bounty Thread
Bitcointalk Username: CapnBDL
Bitcointalk profile link: https://bitcointalk.org/index.php?action=profile;u=212645
My Ethereum address: 0x577FA2553Af35908072Af7fc61270fd98022002b


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car: grab the motorway (AP-7) to Exit Figueres. Follow signs Roses
(N-11). Before reaching Roses (C-260) are the input to Empuriabrava
(large monument sails), turn right, to pump water, go straight
to Port Petit, turn left where there is a large pine in the middle
of the street, go over the bridge and to the right entrance to
Isla Cartago. The number 31 is the house.


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text:
The Town of Milton is located within the traditional territory of the Mississaugas of the Credit First Nation (Treaty 19). The Mississaugas who settled in the area between Toronto and Lake Erie occupied and used the large territory in south-western Ontario throughout the 1700s and into the 1800s. They followed a yearly cycle of movement for resource harvesting through fishing, hunting and planting.
In 1821, one of the first European families arrived in the area. Jasper and Sarah Martin and their three young sons immigrated to Canada from England. They settled in what is currently the area around Martin Street and the Mill Pond, north of Main Street, and Jasper started a gristmill powered by the 16 Mile Creek. For a more complete history, see the Milton Historical Society’s Brief History Of Milton.
Today, you can visit Downtown Milton and see many of the important buildings and landmarks that featured prominently in our town’s history. We sincerely thank the Milton Historical Society for providing historical information and photos.
New Town Hall – 150 Mary Street
The Town Hall, originally built as the County Court House, was completed in 1855. The addition of the Town jail and jail yard took place in 1877. In 1982, the Town purchased the building from Halton Region for just $1 and after restoration in 1985, it became the New Town Hall.
McKersie-Kocher Funeral Home – 114 Main Street E.
This attractive pressed-brick house was built by James Houston in 1901, on the site of an old roller-skating rink (built in 1885). It became a funeral home in 1953.
Waldie Blacksmith Shop – 16 James Street
The blacksmith shop of James Alfred Waldie Sr. was built in 1865 and today is the only blacksmith shop in Ontario still located on its original property. For more information, visit Waldie’s Blacksmith Shop.
The Clements’ Block – 227 Main Street E.
This major block was built by John Dewar, Jr. in 1887. He occupied an office on the second floor. These buildings have served many purposes including a hardwood store, an early post office and a hydro commission office.
Old Post Office – 243 Main Street E.
This was built as a post office in 1914 for $21,000. Before the introduction of letter carrier service in 1967, this was an important gathering point.
Old Town Hall – 251 Main Street E.
This building has played a key role in the life of Milton since before Confederation. An upstairs auditorium served as the town’s centre for political and social activities until 1966 when it was converted to council chambers and the building was extensively remodeled. The town library was located on the main floor for many years. It was also the town’s fire hall and served as a Town Hall until 1985.
Mill Pond – Off Martin Street
The Mill Pond was the original holding basin for water used to power the town’s original mill. In 1967, the Town developed the park on Martin Street as a Centennial Project. It is said that the gazebo looks to be floating on the pond from certain angles. As you exit the gazebo you will begin to walk on the grounds of the beautiful Centennial Park. You can also walk the Jaycee Trail, a series of wide and scenic paths wrapping around Mill Pond.
Thompson House – 163 Main Street E.
Located at 163 Main Street is the stone Italianate style building formerly know as the Thompson House. The Thompson House was built by Charles Thompson in 1864 and ran as a hotel. The hotel had 14 large bedrooms, 4 parlours, a large dining room, spacious hallways, a good cellar, and a bar located on the east side of the building.


text:
Google, owned by Alphabet Inc, and its YouTube video service will pay $170 million to settle allegations that it broke federal law.
This is equivalent to £138.5 million. On Wednesday, the Federal Trade Commission claimed that Google would be penalised for collecting personal information about children.
YouTube had been accused of tracking viewers of children’s channels using cookies, without crucial parental consent. They were supposedly using those cookies to target million of dollars in advertisements to those viewers.
The settlement is with the FTC and the New York attorney general’s office, which will receive $34 million. It is the largest settlement since a law came into effect in 1998, banning collecting information about children under age 13.
The law was revised in 2013 to include “cookies,” used to track a person’s internet viewing habits.
It is also small compared with the company’s revenues. In July, Alphabet, which generates about 85% of its revenue from sales of ad space and technology, reported total second-quarter revenue of $38.9 billion.
In a statement on Wednesday, YouTube said that in four months it would begin treating all data collected from people watching children’s content as if it came from a child. On its blog, YouTube said: “This means that we will limit data collection and use on videos made for kids only to what is needed to support the operation of the service”.
The monetary fine is not the only consequence. The proposed settlement requires the company to create a system for identifying content aimed at children. They must notify channel owners about their obligations to get consent from parents before collecting information on children.
FTC Chairman Joe Simons noted, at a news conference on Wednesday, what he said were important changes to YouTube business practices. He told reporters: “No other company in America is subject to these types of requirements and they will impose significant costs on YouTube”.
FTC’s Bureau of Consumer Protection director Andrew Smith told reporters that the $170 million settlement was based on revenues from data collected, times a multiplier. “It happens that $170 million is roughly the budget of the Bureau of Consumer Protection for one year,” he added.
Once the settlement takes effect, the FTC plans to “conduct a sweep of the YouTube platform to determine whether there remains child-directed content” in which personal information is being collected, Smith said.
The FTC could take actions against individual content creators or channel owners as a result.
In late August, YouTube announced it would launch YouTube Kids with separate niches for children. This would depend on their ages and be designed to exclude disturbing videos. It also has no behavioural advertising.
However, YouTube allows companies to create channels, which include advertisements that create revenue for both the company and YouTube. In its complaint, the government said that YouTube took advantage of its popularity with children in marketing itself to companies like Mattel and Hasbro. It told Mattel that “YouTube is today’s leader in reaching children age 6-11 against top TV channels,” according to the complaint.
New York Attorney General Letitia James believed the companies “abused their power.” She added: “Google and YouTube knowingly and illegally monitored, tracked, and served targeted ads to young children just to keep advertising dollars rolling in”.
The two Democrats on the FTC, Rebecca Slaughter and Rohit Chopra, dissented from the settlement. Slaughter described the violations as “widespread and brazen,”. She said the settlement fails to require YouTube to police channels that provide children’s content but do not designate it as such. Thus, it actually allows more lucrative behavioural advertising, which relies on tracking viewers through cookies.
Senators Ed Markey and Richard Blumenthal, both Democrats active in online privacy matters, criticized the settlement in separate statements. “A financial settlement is no substitute for strict reforms that will stop Google and other tech companies from invading our privacy,” Blumenthal said. He added his concern: “I continue to be alarmed by Big Tech’s policies and practices that invade children’s lives.”
Source: Reuters Washington, 04 September
Reporting: Diane Bartz, David Shepardson


RYE, N.Y. -- Open Door Family Medical Centers of Port Chester is hosting a toy drive at Learning Express Toys in Rye in an effort to ensure that children of less fortunate families receive a brand new toy or gift this holiday season.
The toy drive is being held from Monday, Nov. 21 through Monday, Dec. 12. Open Door is asking that participants drop off toys for newborns to 14-year-olds at Learning Express Toys on Purchase Street in Rye.
Toys maximum value cannot exceed $20, and Open Door suggests everything from Legos, to jewelry making kits, to gift certificates for neighborhood businesses. Open Door said its goal is collect over 2,500 new, unwrapped toys for the less fortunate.
For more information regarding the toy drive, contact Jim and Christi Myers of Learning Express at 914-981-1350 or Alicia Ward at 914-502-1468.
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text:
The Constitutional Court yesterday left the taxpayer to foot the bill for the SA Social Security Agency’s (Sassa) application to extend the suspension of a contract between them and Cash Paymaster Services (CPS), when it made former Sassa acting CEO Pearl Bhengu liable for costs in her official capacity.
Former social services minister Bathabile Dlamini managed to dodge costs entirely, with Justice Nyaole Jafta’s judgment finding Dlamini’s deferring to the inter-ministerial committee on comprehensive social security a mistake – but not enough to constitute bad faith or gross negligence.
Jafta found the refusal to extend the period of suspension would have severely prejudiced grant recipients, otherwise the application could have been dismissed, before making Bhengu and Sassa jointly liable for costs, including the costs of two counsel.
“The court was clearly exasperated with Sassa and the department and showed they had clearly placed the court over a barrel,” said Nicole Fritz, Freedom Under Law’s executive officer.
“To some extent the court was cynically manipulated: even though Sassa must pay social grant recipients, it effectively said we’re going to trust in the court and you’re not going to be able to contemplate an interruption in the payment of the grants.”
Jafta noted in his judgment yesterday about 2.8 million recipients would have been affected by the dispute.
“The original award of the tender to CPS in 2012 has generated no less than five cases in this court alone,” Jafta said. “The uncertainty in relation to whether social grants would be paid must come to an end.”
However, CPS said on Wednesday about 800 000 grant recipients with old Sassa cards, who have withdrawn their grants at pay points from the CPS mobile ATMs in the past, have been removed from the CPS payment file.
“It would appear that the majority of these grant recipients have not been issued with the new cards,” CPS said in a statement.
It also noted about 900 000 grant recipients who opted for their grants to be paid into an EasyPay Everywhere bank account would not receive their September grants as Sassa allegedly failed to process the paperwork.
Sassa has yet to comment on the claims.
The ConCourt must still rule on costs regarding an inquiry into Dlamini’s personal liability in the entire saga.
Sassa has said it will abide by the ConCourt’s decision.

domain: law


text:
The Lehigh Valley IronPigs (7-7) picked up yet another strong pitching performance from starter Nick Pivetta, and Jesmuel Valentin and Cameron Perkins each blasted home runs in a 4-2 victory over the Columbus Clippers (7-7) Thursday morning at Coca-Cola Park.
The Pigs picked up their second consecutive series win with a two-games-to-one advantage over the Clippers.
Pivetta started right where he left off in his last outing on April 15, as the right-hander pitched 13 scoreless innings from the sixth inning on April 9, through the sixth inning in the 4-2 victory over the Clippers.
Valentin and Perkins paced the offense as both launched home runs to left field, with Valentin starting the scoring with his solo round tripper in the first to give the Pigs a 1-0 lead.
The Pigs added another run in the fourth as Rhys Hoskins, who sent a one-out infield single to third and scored on a fielding error when Perkins reached in the fourth to give the Pigs a 2-0 cushion.
The Clippers got on the board in the top of the sixth, Erik Gonzalez tripled to right and then scored on a Ronny Rodriguez RBI ground out to short to make it a 2-1 Pigs lead.
Perkins then sent a two-run bomb in the bottom half of the sixth to left field with Nick Williams aboard to give the Pigs a 4-1 advantage.
Pivetta left the game after six innings with a 4-1 lead in tact as the right-hander went six innings allowing just one run on four hits and struck out a career-high 11 batters while picking up his third win of the season.
He then turned things over to Cesar Ramos who tossed two scoreless innings and struck out three over two innings for the Pig 'Pen. Pedro Beato then came on to close out the game in the ninth and surrendered a solo home run to Clippers outfielder Bradley Zimmer to trim the Pigs lead to 4-2.
Beato then settled in and struck out two of his last four batters to preserve the Pigs 4-2 win, and Beato picked up his second save of the season.
The Pigs now begin a three-game series with the Toledo Mud Hens Friday night at Coca-Cola Park. First pitch is scheduled for 7:05 p.m. The Pigs will send right-hander Mark Appel (0-1, 8.22) and the Mud Hens had not named a starter at time of print.
The 2017 Season is the IronPigs 10th Anniversary season at Coca-Cola Park and 10th as the top affiliate of the Philadelphia Phillies. The IronPigs are debuting the brand-new Bacon, USA, Membership Program this season -- a year-round IronPigs experience pass featuring numerous new amenities such as savings on parking at games and at the Majestic Clubhouse Store at Coca-Cola Park, on-field VIP access to watch batting practice, access to an annual holiday party, an invitation to an exclusive player and coaches photo session and more. For more information, visit ironpigsbaseball.com or call (610) 841-PIGS (7447). Memberships and group outings are on sale now.
The 2017 IronPigs baseball season is presented by Capital BlueCross.
This story was not subject to the approval of the National Association of Professional Baseball Leagues or its clubs.

domain: sports


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text:
I'm not thrilled about living in a world without Tom Petty. I'll do it, but it's gonna suck.
He is the most durable musical touchstone in my life. When I was in junior high school, I took my lawn mowing money to K-Mart and bought "You're Gonna Get It", the second album by Tom Petty and the Heartbreakers, after hearing "I Need to Know" on the radio. A few months later, I went to the Record Bar in Northgate Mall, the place I would later call home for eight years, and bought his first album. I've not missed an album since.
When I got my heart broken as only an eighteen year-old kid can, he was there. Every one after that, too. When I met my wife, in that same record store I bought that debut album, I happened to be behind the counter when she bought a copy of "Don't Come Around Here No More". Our first date was to see them play the Omni in Atlanta, on the "Pack Up the Plantation" tour. That summer, we played that record down to the white in the grooves. It was the soundtrack to one of the best times of my life.
When I started playing in bands, it was the lean, angry sound of the Heartbreakers that Terry Crigger and I sought to emulate. Every bar band I played in had a couple of Petty songs in the bag. When I sang, it was his plaintive tenor I aimed for. When I wrote a song, I tried to achieve his "Hemingway Iceberg effect", simple words perfectly strung together, not showing a lot on the surface, but revelatory underneath, with dimensions to be forever uncovered.
He gave a voice to losers, dreamers, and perpetual outsiders. Every girl thought "American Girl": was written just for her, and every boy was the lucky bastard in "Magnolia". When we got older, we understood "Southern Accents", and smiled wistfully at "The Best of Everything". We realized "Swingin' " was about the cost of living life on one's terms, and "Room at the Top of the World" was a place we all got to visit on occasion.
He was a Wilbury, a city mayor in the dystopian future of a Kevin Costner movie, a recurring character on "It's Gary Shandling's show", and Hank Hill's nephew-in-law Lucky on "King of the Hill".
Forty years after his band Mudcrutch arrived in Los Angeles, only to break up, he reformed them, with the original members, some long out of the music business and firmly ensconced in the real world, and they recorded two albums and toured all over the country.
He played his final concert last Monday night, the finale of the Heartbreakers 40th Anniversary Tour. The last song he played was "American Girl".
My old friend Jeffrey Sweeney said it best: thanks for every song.
October 2, 2017