These are stories Report on Business is following Thursday, July 3, 2014.
Price gap widens
Home buyers are going to find it tougher trading up from a condo to a house given the economics of the real estate market, a new report warns.
In all, Toronto-Dominion Bank still expects a soft landing in Canadian housing, and predicts the shift to a buyer’s market over the next 18 months. That matches what many other observers project.
“As home buyers have more choice, they will also have more bargaining power and price pressure will ease,” economist Diana Petramala said in today’s report, citing softer demand and more listings.
“These features would be consistent with the makings of a soft landing in Canada’s housing market.”
There are many regional differences, of course, and markets east of Toronto are already at that soft-landing stage, she said.
Vancouver, Toronto and Victoria are more vulnerable, but “even in those markets, prospects for a gradual rise in interest rates and relatively stable employment point to orderly adjustments over the medium term with some over-valuation persisting,” Ms. Petramala added.
Calgary and Edmonton will see the fastest pace of price increases over the next few years.
Her take on the condominium market is interesting as “the implications of overbuilding are already starting to be felt.”
Condo resale listings have doubled in some cities, and there’s also an “ample supply” of new but unoccupied units.
This is already a buyer’s market, with just modest price growth, said Ms. Petramala, who expects condo prices to fall by about 2 per cent next year and who cites the 135,000 units now under construction.
“The economics of investing will likely continue to deteriorate with the rental market well supplied, the rental vacancy rate rising and rents stagnating,” she said.
“Meanwhile, softer conditions in the condo market will eventually have knock-on effects to the single-family home market.”
That means that “more choice and better affordability” in the condo market may well keep people from buying up to single family homes, as will the widening price difference that now stands at some $200,000.
“As such, move-up buyers who would like to upgrade their condos to a single family home may find it difficult,” Ms. Petramala said.
“After increasing by an estimated 8 per cent this year, single family home prices are expected to rise 2 per cent next year.”
U.S. sees better jobs market
America’s jobless rate is now at its lowest level since the month that the meltdown began.
The U.S. economy churned out a better-than-expected 288,000 jobs last month, and the unemployment rate declined to 6.1 per cent, its lowest since September 2008.
At the same time, the U.S. Labor Department revised its numbers from April and May, showing even greater job creation, our Washington correspondent Kevin Carmichael reports.
Today’s reading is the latest in a string of positive economic reports from the United States, and helped drive stock markets to fresh highs today.
“Despite the rapid decline in the unemployment rate, which is now getting pretty close to the 5.5-per-cent rate that Fed officials view as the long-run equilibrium rate, we are still not seeing any significant pick-up in wage growth,” said Paul Ashworth, the chief U.S. economist at Capital Economics, referring to the fact that the report showed average hourly earnings rising 2 per cent from a year earlier, down from 2.1 per cent in May.
“Accordingly, we suspect that Fed officials will continue to cling to the view that there is still plenty of slack in the labour market,” he added.
“We are not convinced, however, and expect wage growth to accelerate in the second half of this year.”
- Kevin Carmichael: U.S. jobless rate at lowest since meltdown
- U.S. jobless claims rise slightly, labour market improving
- Euro zone economy still at risk, interest rates to stay low, Draghi says
- Follow our Inside the Market blog (for subscribers)
Trade deficit shrinks
Canada’s exporters have something to cheer about today: A marked pick-up in May.
The country’s trade deficit narrowed to just $152-million in May from $961-million in April as exports rose 3.5 per cent, outpacing the 1.6-per-cent jump in April, Statistics Canada said.
Exports are now at their second-highest value on record, according to the federal agency.
Actually, export volumes rose 4.2 per cent in May, while prices slipped 0.7 per cent.
Import volumes rose 2.4 per cent, with a price dip of 0.8 per cent.
The auto and related parts industries led the push on both sides of the ledger.
Exports to the United States rose 2.1 per cent, while imports from America dipped 0.2 per cent, widening Canada’s surplus with its biggest trading partner to $4.8-billion.
There was a noticeable push in exports to other countries, up 8.3 per cent, which again outpaced the rise in imports of 5.1 per cent.
“The gain in exports is a positive from the [Bank of Canada’s view, though the recent strength in the loonie could hamper performance from here,” said Nick Exarhos of CIBC World Markets.
- David Parkinson in ROB Insight (for subscribers): What the incredible shrinking trade deficit means for Canada
- Canadian trade deficit narrows to $152-million in May
- U.S. trade deficit narrows as exports hit record high
The warning to Ontario by Moody’s Investor Service is a shot across the bow that threatens a full-scale downgrade.
“The risks are clearly to another downward ratings adjustment,” chief economist Craig Wright of Royal Bank of Canada said today.
As The Globe and Mail’s Adrian Morrow reports, Moody’s changed its outlook for Ontario to “negative” and warned of a downgrade late yesterday.
Ontario plans to miss its short-term deficit targets, though has pledged to meet its original timeline. Economists, though, have warned of the difficulty given the province’s weak economic outlook, raising questions about the ability to balance the books.
“Ontario’s newly elected majority Liberal government will deliver a throne speech today with a long-term plan that will echo much of what was outlined in this year’s budget,” said senior economist Robert Kavcic of Bank of Montreal, referring to the proposed budget that sparked the election and is expected to be re-introduced.
“With that in mind, Moody’s came knocking last night, slapping a negative outlook on the province’s credit rating.”
Ontario’s fiscal 2014-15 deficit is projected at $12.5-billion, or 1.7 per cent of gross domestic product.
- Adrian Morrow: Moody's issues warning about Ontario's growing deficit
- Why Ontario needs deficit 'credibility' fast
Lululemon on rise
Shares of Lululemon Athletica Inc. jumped today amid reports that its founder and former chief is testing the private equity waters on a potential bid.
It was already known that Chip Wilson, who lost an initial round to take on the board of the yoga wear retailer, was talking with Goldman Sachs Group Inc. about what to do next given his 28-per-cent stake in the company.
Now, The Wall Street Journal reports that Mr. Wilson’s advisers are talking to private-equity firms, Leonard Green & Partners among them.
Lululemon has suffered a series of setbacks, eroding the value of its shares. But that doesn’t mean a takeover wouldn’t be costly given that it’s worth some $6-billion (U.S.), and Mr. Wilson would have to pay a hefty premium to win control.
No deal is near, the news organization reported, but investors are clearly relishing the idea of a takeover.
A spokesman for Mr. Wilson wouldn’t say much about the report, telling the Reuters news agency that there has been much speculation about what he may decide.
“Chip will decide if and when he wants to do a transaction of any sort,” he said.
- David Parkinson in ROB Insight (for subscribers); Wilson's going-private idea may be Lululemon's best option
Streetwise (for subscribers)
ROB Insight (for subscribers)
- Legendary Canadian ad agency Cossette up for sale
- BlackBerry sells German-based R&D assets to Volkswagen unit
- Ousted American Apparel CEO hands over stake to hedge fund
- Crowdfunder Indiegogo chooses to launch mobile app in Canada


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How a Software Architect in Somerville Does Money
Stewart (not his real name) is a 35-year-old software architect in Somerville, Massachusetts.
So, Stewart, how much are you making?
My annual base salary is $164,000. I have a target bonus percentage of 20 percent, for a total target compensation of $196,800. The company that I work for has a complicated formula for figuring out how much of a bonus everyone gets that is related to overall company-wide financial goals and personal performance review.
I was curious about that. Is the target bonus percentage your own or your employer’s? Like, did you decide personally that you wanted to hit 20 percent, or did your employer say that top employees hit 20 percent?
It’s actually written into my compensation letter. The bonus structure is based on title. My title is “Senior Architect,” and so my bonus target is 20 percent. When I was an Architect, it was 15 percent, and it was lower when I was a Software Engineer and a Senior Software Engineer.
I assume that it goes even higher, because I’m not at the top of the title ladder, but people where I work don’t talk as much about salary and compensation as I wish they would.
Got it. So how does your income compare to your expenses — and do you include your bonus in your budget?
Well, right now, I have two kids in daycare. Massachusetts has the highest daycare costs in the country. I am not currently putting money into my liquid cash savings account every month. These things are all related.
I am lucky enough to not have a budget; our familial expenses fit within our salaries, my wife pays into her pension, I max out my 401(k), and everything has been working out.
If I had a budget, I would definitely not include my bonus in it. The formula is definitely too complicated to bank on.
We also get compensation in the form of stock. That is more reliable, in that the stock will have *some* value, but it’s hard to make a real plan based on it because it’s often volatile.
Tell me more about not having a budget. How do you know when you’ve overspent? How do you manage variable expenses? How do you plan for big expenses like holidays?
Right now we have about $30K in cash savings, so that provides a bit of cushion, but honestly, we basically just don’t overspend.
We don’t really do large presents, so our main large variable expenses are holidays, by which I mean vacations. We just kinda plan early to save on airfare, don’t stay anywhere particularly expensive, and we also get sick of going out so often. A big vacation cost-control method for us is getting a place with a kitchen — then we might go out for one or zero meals per day.
Nice! That makes a lot of sense, and it reminds me of traveling with my folks as a kid (though we used car coolers more than kitchens). Did you always live budget-free, or did you have more of a budget during the years when you were storing up your $30K cash cushion?
We have always been lucky enough to be budget-free. I can’t remember where I first read the advice to always pay yourself first, but I really took that to heart and direct-deposited money into the savings account every paycheck.
I love that technique. It has worked out so well for me, and I’m glad it worked out for you.
The savings cushion kind of built itself up to something like $50K, but then we took some out as part of our down payment on our house, and then it’s been holding steady around $30K. If I notice that we have some extra money in the checking account at the end of the month, I’ll shovel it over there, and the bonus money and stock money goes straight into there.
What are your financial goals for the next few years?
Well, the main one is “get my kids out of daycare.” That one I get for nothing. As they get older, the cost of care goes down, but I really want to be disciplined about starting saving again. My older daughter is going to public pre-K this year, and while the after-school program costs money, the difference is getting tacked onto the direct deposit into savings.
Can you share how much daycare costs per month?
My older daughter’s daycare is ~$1,650/mo, and my infant daughter’s daycare is ~$2,500/mo.
Yeah, that’s a huge expense.
Yes. I am not the sole breadwinner in the family, and if I were, we would definitely be on a budget.
How do you feel about your retirement savings? You mentioned that you maxed out your 401(k); do you feel like you’ll have saved enough?
Well, according to Fidelity’s website, I will! They have a graphic when you log in that’s meant to give you an idea of what you need to have saved.
TIAA had a graphic like that, although it didn’t tell me how much I should save. It just told me my predicted income in retirement and let me do the math, I guess.
Yeah, this one is a little fancier (but not much) in that it will let me see how much different my savings would be by bumping up my contribution. Right now, I have ~$300K stashed away in there, in a combination of Roth and 401(k). I have all of that money in a mix of different low-expense-rate index funds, because that’s what stuff I’ve read from The Billfold said makes sense to do.
We aren’t the only ones who say that!
Sure, but you guys are where I get most of my financial news.
Well, let’s hope our good advice pans out!
A few more questions, then: how did you develop your current saving and spending habits? Did they derive from childhood, or did you learn them as an adult?
Definitely as an adult. I did not grow up knowing about money. I had summer jobs starting at 16, and I spent basically everything I made on Magic: The Gathering and Star Trek Collectible Card Game cards (and gas). I realized that was not a sustainable financial plan once I got to college.
Oh wow. I got into MTG for about a month and then I realized how much it would cost and GOT OUT OF IT.
Yeah, you can spend *a lot* of money on it. There’s a box of cards at my parents’ house that I keep thinking is worth something but is probably not.
Well, you at least owe the box a quick search to see if there’s a Black Lotus card!
Oh, I can tell you that there is not. I did not get into it early enough to have gotten one randomly.
Is there anything you wish you did better, financially? Anything you’re trying to improve?
I really need to bring my lunch more often on days when I don’t have lunch meetings with people that are taking place outside of the office. I know that’s the most boring answer there is, but I do feel guilty about the expense, even though I know that my kids leaving daycare is going to have a much bigger impact on our savings bottom line.
We all feel like we spend too much money on food. EVERY SINGLE INTERVIEW.
Yeah, which is nuts, right? EVERYONE EATS FOOD. It’s what makes your body go! Maybe we’ve read one too many “millennials and their avocado toast need to get off my lawn” articles.
The thing that was really liberating for me was when my wife and I were talking about some small purchase, and she said “Well, is this really going to impact the bottom line? No. We should just do the thing that we want that’s a little more expensive instead of obsessing over it, because this is two orders of magnitude less than we spend on daycare.”
That is excellent advice. Which brings me to my last question: what advice do you have for Billfold readers?
I really do think the main thing that I did right financially was paying myself first, whether it was savings or 401(k). My wife and I bought our first condo using a loan from my 401(k), and if I didn’t have that money socked away, we would be completely priced out of homeownership in Somerville, which is really where we want to be long-term.
I know that it’s not always an option, but if it is, having cash on hand that you don’t already have earmarked for something else is a real relief when, say, you drive over a heel that came off of someone’s stiletto (a real thing that happened to us).
Did it pop your tire?
It didn’t pop the tire, but it did cause a slow leak that necessitated a tire replacement.
Which probably wasn’t covered by your car insurance.
Oh, definitely not.
Cash on hand, then! For the unexpected, whether it’s life goals or emergencies.
Exactly. Cash is king.
Support The Billfold

domain: economics


1000 W Cedar Ave
Gladwin, Michigan 48624
Phone: (989) 426-9231 Ext. 13
Fax: (989) 426-6942
E-mail the Treasurer
The City Treasurer serves as the Chief Financial Officer for the City and is responsible for the administration and supervision of all financial aspects of the City, including budget preparation assistance and monitoring, accounting, financial planning and investments. The City Treasurer is also responsible for collection of property taxes and all other revenue paid to the City, coordinating audits, and other financial and treasury duties.
HOW TO MAKE A PAYMENT
Check and Money Order payments can be mailed to City Hall, 1000 W. Cedar Ave, Gladwin MI 48624
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For after-hours payments a convenient drive up drop box is located at City Hall.
A second drop box is also located on the right side of the entrance to City Hall.
Please do not put cash in the drop boxes.
Related links can be found in the Sub Menu of this page.


Song Review : Sannhet – Salts
Sannhet is a brooklyn based post-rock, post-metal, noise band. They have been aound for some years now and I remember listening to them the first time on their 2013 debut album – Known Flood. A really good album that I’ve been listening a lot to, since then. I think Sannhet has a lot blackgaze over their sound as well and that is quite enjoyable
Also their second album Revisionist was worthwhile listening to. Now Sannhet is releasing a new album ‘So Numb’ august 25, 2017, and here we have the first track from the album to tease us.
The song is called ‘Salts’ and I think that Sannhet has made a more quiet and way more post-rock sounding song that I would expect from their hands.
‘Salts’ starts up very quiet with guitar and synth like sounds, and rest of the song is most of all one long dark build up. Something a bit different on this song, is the guitars, that, I think have a reminiscence of 80’s goth. I really hear Sisters Of Mercy or Fields of the nephilim in the guitar soun. Not quite as noisy and post-metal, black like earlier releases but ,ore a majestic opener, I think.
If ‘Salts’ is an indication of the rest of the album, I think we’re in for a somewhat different Sannhet album, but I hope there will still be some of their blackgaze stuff around, although ‘Salts’ is very welcome.
I think it’s beautiful with it’s memorable guitars and the cool production. I look forward to listen to the album in full by august.
Sannhet also released ‘Way Out’. Another song, from So Numb. ‘Way Out’ also shows a more post-rock Sannhet than we’re used to. It’s exciting to hear what the new album will be like in full
Watch the video for ‘Salts’ here
And check out Way out here as well, this is also a song from upcoming album.
You can preorder your copy here


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BRANDT BRAUER FRICK
“BBF in 2010: one suitcase band.
BBF in 2015: three suitcase jet-set act.
BBF in 2022/23: ten suitcases and more circus” – Jan Brauer
Reminiscent of pretty much all sweat-inducing, body-shaking, floor-filling styles of music, Brandt Brauer Frick have come full circle – they’ve completed the loop and are ready for more repetitive goodness. Some 13 years into their unlikely evolution between propulsive Dance bliss and full-blown orchestra experience, they’re back to where it all started: RAVE. Handmade & hard-hitting Body Music.
After all, RAVE was where it all began back in 2008. “When we started out as a group, we really wanted to make Dance music,” they all agree. Initially based in different cities, still finding their feet individually, quickly becoming friends for life. Although coming from somewhat different backgrounds, they’d arrived at an intersection of Electronic/Dance/Minimal/Techno – and they immediately knew they wanted to form a live collective and take this initial spark to the next level. Soon exchanging vows for a triple-named brotherhood (“With that kind of name, we all knew we couldn’t get out so easily…”), BBF’s handmade, irresistible dancefloor-ready sound got people raving around the globe in no time.
Actually formed in a studio, Daniel Brandt points to a shared initiation with 18 Musicians as the crucial moment that started everything: “Steve Reich: 18 Musicians… We all went to see this piece played live by Ensemble Modern & Steve Reich at Kölner Philharmonie, and that was actually before our first-ever recording session. I think the intersection between Minimal Music and Electronic/Dance music has always been important for us. Plus, the influences from Neue Musik, in terms of using instruments differently in order to achieve a certain, rather uncommon sound – that’s always been crucial.”
Essentially using Techno’s grid-like structure and instrumentation from Neue Musik and Minimal Music at first, they reinvented themselves with each recording: Following the heavily euphoric club leanings of debut album You Make Me Real, 2011’s Mr. Machine saw them add intricate ensemble arrangements to the (re)mix. Two years later, their musical detour to Miami added southern-fried Funk and synth layers, only to incorporate serious Kraut and Wave elements to 2016’s Joy – an album that saw them venture more in the direction of Talking Heads.
By the time Echo (2019) saw them take a shortcut back to Clubland, various side projects were popping up left and right. Jan doing music for theater plays plus more engineering, Paul doing solo music and joining Tangerine Dream in 2020 (!) and Daniel starting a solo project and working on a film now – all that fed into what they do as a band in a good way.
2022, the saga continues…
“We remember a time when going to a club was a real adventure, meeting the freakiest people in there and seeing crazy live shows in sweaty dark places – and everyone was totally enjoying it,” says Jan. “Maybe this never actually happened, but we wanted to make music based on that kind of feeling again.”
After all, this return to the dancefloor is BBF’s way of emphasizing togetherness – community – shared experience: “Even before the pandemic we asked ourselves: Where can we still meet, exchange, co-exist, ‘live’? Which connections are possible in an individualistic society? How must an event or a situation be set so anyone can participate and be respected? How can music facilitate such a space? These questions are old, and there are legacies of great musical answers to it. But as our culture is so shaped by competition, distinction, exclusivity and so on, we still need to look for new answers.”
Surely there are many answers, we try an approach with the release of our „Step EP“ in September 22, another sonic step back to the roots in the club! Followed by the conceptual „Mult Faith Parayer Room“ album in January 2023.

domain: entertainment


text:
A collegiate swim meet was the setting for an outbreak of cryptosporidiosis after infected swimmers shared a pool while experiencing symptoms such as diarrhea, according to a study today in Morbidity and Mortality Weekly Report. Details from the outbreak highlight the transmissibility of Cryptosporidium parasites even in chlorinated pools.
The investigation started when a Massachusetts college notified the Massachusetts Department of Public Health (MDPH) that 19 of 50 members (38%) of the men's and women's swim teams had experienced diarrhea beginning 3 days after their return from a training trip to Puerto Rico earlier this year.
Competing while still having symptoms
Five and 6 days after returning from Puerto Rico, swimmers still experiencing diarrhea participated in two home meets against teams from New York and Rhode Island colleges.
Stool samples from 19 infected Massachusetts swimmers were submitted to the MDPH, which showed 13 had positive test results for Cryptosporidium. The 13 patients ranged in age from 18 to 22 years, and 8 were men. The collegiate pool was closed immediately for deep cleaning and chlorination.
No New York collegiate swimmers were infected, but two Rhode Island swimmers received positive stool Cryptosporidium test results 1 week after the swim meet.
The potential exists for sustained Cryptosporidium transmission among competitive swimmers.
"Although there was no evidence of subsequent transmission from the Rhode Island swimmers, because of the regular inter-collegiate competition and subsequent championship schedule, the potential exists for sustained Cryptosporidium transmission among competitive swimmers," the authors concluded.
Cryptosporidiosis is contracted by ingesting contaminated food and water, even chlorinated water from swimming pools. Symptoms usually self-resolve within 2 weeks, but people with weakened immune symptoms may need medical treatment.

domain: medical


text:
Actions and Detail Panel
Sat, 13 Aug 2016, 23:00 – Sun, 14 Aug 2016, 06:00 BST
Sales Have Ended
Sales Have Ended
▬▬ Line Up ▬▬
Special Guest TBA
Paul C & Paolo Martini
▬▬ Event Info ▬▬
Dazed celebrate turning 3 at the world famous Ministry of Sound Club on Saturday 13th August with a day and night party. Guests include Audiojack, Paul C & Paolo Martini, Miguel Bastida ,Tapesh plus a huge special guest to be announced. We kick-start the party at 2pm with a stage and heavy sound system in the Ministry of Sound Courtyard.
Audiojack have been making house and techno for the last decade, releasing on labels like 2020Vision, Hot Creations, Tsuba, Culprit and Get Physical, and remixing for labels like Moon Harbour, B-Pitch Control and Diynamic. They also run their own label called Gruuv.
With a combined career thatspans 40 years in the business, Paul C & Paolo Martini are 2 of the hottest Italians producers around. As part of Bini & Martini, Paolo was without doubt one of the most prolific house producers at the turn of the century, touring the globe and lending their remix talents to major dance labels like Defected,Strictly Rhythm, AM:PM,Twisted,Universal and many of the worlds biggest pop acts such Jamiroquai,Kylie Minogue,Terence Trent D'Arby,Murk,Armand Van Helden and many many more. Paul C has honed his production skills since the mid '90's and his energetic brand of tech-house has seen him release on a host influential labels.
Born in Alhama de Granada (Spain) and nowadyas living in Barcelona, Miguel Bastida is one of the most promising spanish producers. His works on Sci+Tec, Suara, Toolroom, Bedrock, Trapez, Deeperfect and many more talk for themselves. His creativity, feeling and rhythm in the studio have take his works to the best clubs and festivals being played by big djs as Richie Hawtin, Dubfire, Paco Osuna. Umek, Luciano, Sebastien Leger or John Aquaviva.
May it be Ibiza, London or Dubai: there are few Djs with a more international touch than “finally famous” Tapesh, and even fewer whose style you could identify as really unique. At a time when most people couldn’t spell the word DJing, young teenage Tapesh dived into the growing US and UK Breakdance, Funk & Acid House scene and uncovered an enormous musical talent that soon got acknowledged by real stars like Loco Dice, Richie Hawtin or Marco Carola. His multi-cultural roots, as well as his experience and feeling for mixing the popular with the uncommon give Tapesh’ sets that flamboyant magic-potion touch you will only find one in a million. This special “Tapesh-feeling” is also recognisable in his own productions, which are released by top labels like Snatch!, Rebirth, Monique Musique,Defected or Noirmusic and by now get regularly played in Pete Tong’s world famous BBC radio show.
▬▬ Links ▬▬
/ Facebook: https://www.facebook.com/ministryofsoundclub/
/ Soundcloud: https://soundcloud.com/ministry-of-sound-club
/ Website: https://www.ministryofsound.com/
/ Twitter: https://twitter.com/ministry_club
/ Instagram: https://www.instagram.com/ministryofsoundclub

domain: artistic


text:
Farmers' almanac » weather, gardening, full moons, best, Farmers' almanac provides free long range weather forecasts, home and garden advice, astronomy and full moon information, natural cures and cooking.. 2014 long range winter forecast - farmers' almanac, This is our forecast for the winter of 2013-14. for the 2014-15 winter outlook, click here » this forecast is for the united states. for the canadian forecast, click. Old farmer's almanac: weather forecasts gardening moon, Old farmer's almanac offers free long range weather forecasts, full moon dates, weather history, sun rise and set times, best planting dates, and folklore..
2015 long-range weather forecast - old farmer's almanac, Find the old farmer's almanac long range weather forecast.. Farmers almanac 2014-15: winter weather predictions, The old farmers almanac released its weather predictions for the year. expect a very cold winter and a steamy summer.. Southwest missouri state university, Missouri state university offers undergraduate and graduate academic programs. at missouri state, we're committed to helping students succeed in their own lives and.
Southwest airlines - wikipedia, the free encyclopedia, For other uses, see southwest (direction), southwest (disambiguation), or southwest airlines (disambiguation).. Kltv.com - channel 7 news, weather, & sports for east, Kltv news headlines, weather, sports and stories from tyler, longview, jacksonville, and smith, gregg, van zandt, cherokee, wood, upshur, rusk, henderson, camp. 13 do's & do not's of growing tomatoes - gardening jones, 13 tips on growing tomatoes in the backyard garden. do enjoy a variety if you have the room. roma and plum tomatoes are best for preserving, slicing types for.

domain: agronomy


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Experience the vibrant world of Tokyo fashion with this unique documentary that examines the outrageous and extreme flair exhibited by the residents of this ultra-hip metropolis as they strive to express themselves. The creative designers of fashionshow.ch spent a month gathering images of the eccentric urban flair they discovered in Tokyo, then set their footage to the beat of a hard-driving musical soundtrack.


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Gattington Park, Coningsby, Lincolnshire is under development and is coming along very nicely. As you can tell from the photos, bases for the park homes are being laid as we speak and are almost complete. We have also taken some photos of the surrounding area and Tattershall Castle to show how beautiful Coningsby is. [two_third […]
Badgers’s Park raised £110 for Macmillan Cancer after a successful charity day on the park. Thanks to Babs and George for making it a fabulous day and everyone who came. [two_third last=”yes”][doptg id=”47″][/two_third]
Congratulations to Bradgate Park on the success of their Charity Coffee Morning in aid of Macmillan Nurses. The original total of money collected was a whooping £478.08 but a revised total made it £518.08. Bradgate Park said ‘Huge thanks to all the contributors including Mary @ 76, Bernie, Chrissie @ 233, Crystal @ D6, Jan and […]
Arthur and Jean Kempster from Lakeview Park paid a visit to Wyldecrest Head Office. Arthur, 85, has been the maintenance man on Lakeview Park, Romford, Essex for 58 years and still has no plans for retirement. [two_third last=”yes”][doptg id=”43″][/two_third]
Waltham Abbey will soon have a Rare Cow in the midst! Alfie has purchased the Parsons restaurant in Waltham Abbey, Alfie commented: “We will be re-branding it as a Rare Cow restaurant and specialising in rare long horn cattle steaks which are bred naturally in Scotland. “ “We hope to attract even more local people […]
ParkHome & Holiday Caravan Magazine have written an article about the background of Lakeview Park, Essex. It’s an interesting read about the legal battle to keep Lakeview, then Caters Caravans, from being closed by Essex County Council and our very own Park Maintenance Man Arthur Kempster.

domain: geography


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There are no reviews yet.

domain: game


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Ray Dalio is an investor, writer, hedge fund manager, philanthropist, and self-help coach. Through his company Bridgewater Associates he has amassed a fortune in trading using High-Frequency Trading (HFT) on the stock exchanges around the world. After his big success, he wrote the book Principles, which is a guide for young people to follow in their personal and professional lives. The book became a bestseller and has been read by many CEO’s like Bill Gates and many more. On this page, we take a look at his net worth and his lifetime accomplishments.
Ray Dalio Net Worth: $18 Billion
Ray Dalio grew up in Long Island in a middle-class family. He started trading stocks at a very young age. In fact, he bought his first stock at age 12: $300 in Northeast Airlines. He tripled his investment and after that, he was hooked on the stock market. He went to Business School and went on to graduate and earn his MBA. After this he started working on Wall Street, the biggest financial district in the world. Working in this part of New York was the start of his massive net worth.
He started working on the trading floor of the New York Stock Exchange. The NYSE is the biggest stock exchange in the world and processes millions of orders on a daily basis. From here Ray Dalio processed thousands of transactions over the course of his working period there. In 1975 he decided to create his own investment firm and called it Bridgewater Associates. Although the hedge fund is not officially a “Quant” hedge fund, it heavily relies on mathematical formulas and theories while making investments.
His company Bridgewater became the biggest hedge fund in the world in 2005. This is a tremendous achievement, especially when you consider the fact that Ray Dalio almost went bankrupt in 1992. In the 90’s he made a big bet with all his money on a prediction that the stock market would see a big crash. He bought billions worth of short-calls, but the stocks kept going up. He had to fire all Bridgewater employees and start his firm from the ground up again.
Having learned from his mistakes, he went on to build an investment firm with a very open-minded attitude. He did due diligence on every trade and didn’t take big risks as he did before. He later admitted: “I was wrong on a trade that I thought I was %100 right on. This experience has humbled me for life.”
After his turbulent rise and fall, Ray Dalio started to form his life philosophy. All the lessons he has learned throughout his life, he distilled into applicable principles. He applied these principles in his personal and professional life, and with big success. This motivated him to pass on this knowledge, and he started writing. The result came in a big book called: Principles: Life & Work. The book became the #1 New York Times Bestseller and has had a tremendous impact on thousands of lives. Even we here at Big Brand Boys have read it, and apply the principles of Dalio into our life on a daily basis. To read our extensive review of the book, you can click here. Below you will see a video that captures a small part of the book in a very visual way.

domain: finance


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The concept of a 15 Minute City is “really, really simple,” said Niamh Moore Cherry, associate professor at the UCD school of geography.
“People should be able to access all of their daily needs, through recreation, schools and so on within a 15 to 20 minute walk or cycle.”
This is a tall order, especially when you consider that many people in Ireland can’t get to all their daily needs with a 15 minute drive currently.
Currently just 10 per cent of people in Ireland can access their needs in a 15 minute journey.
Moore Cherry says for the last few decades in Ireland, urban sprawl has been the norm and this means people are travelling longer distances to access “very basic things”.
“Like a grocery store or a supermarket, access to a pharmacy, access to school, primary healthcare such as access to GP, parks and greenspaces and then leisure facilities such as a gym, cinema, coffee shops - places where people like to spend their free time,” Moore Cherry explained.
Big investment for a big pay off
“I think most people would be positively disposed to [living in a 15 Minute City]," Moore Cherry said. “I just don't think people have the confidence to believe it can be done.
“We’ve really had no track record of doing this.
“All our developments over the last 40 years have been urban sprawl, which needs a car.”
In order to create a 15 Minute City, a higher density of people is required. Higher density buildings are something Irish people are very wary of because “we’ve no great examples,” Moore Cherry said.
She also added that watching the policy flip-flopping over the Metrolink would do little to instil confidence in anyone that infrastructural shifts on the scale required are possible in Ireland.
“There needs to be a flagship leader,” Moore Cherry said. "Some place in Ireland that people can go to and see the higher density buildings and good public transport infrastructure and think to themselves ‘this is a place I’d like to live’.
“Something that’s so well planned that it actually becomes something people want,” Moore Cherry said.
Moore Cherry co-authored a study last year examining how the 15 Minute City concept would work in Ireland. She found that in some Dublin suburbs, the 15 Minute City could already be in place.
“Quite a number of them could be 15 Minute Cities if people just got away from using their cars,” she said.
“The city centre is probably a little harder because there is I suppose a lack of social infrastructure in large parts of the inner city and primary healthcare facilities and social infrastructure.”
In Ireland, Moore Cherry sees the biggest potential in Waterford.
“It's a small enough scale that it's walkable and with a massive bank of land on the northern side of the river just ripe for redevelopment.”
And it’s not just cities where the concept of the 15 Minute City works either, Moore Cherry sees it as a way to reinvigorate Ireland’s smaller towns that are suffering as they lose local services.
Really, what Ireland needs is a pilot area to prove the concept of 15 Minute Cities. For that, we need look no further than Paris.
Paris’ plans to be a 15 Minute City
In 2020, Paris’ mayor Anne Hidalgo made phasing out vehicles and creating a 15 Minute City in the French capital a cornerstone of her re-election campaign.
The idea is that Paris will undergo an “ecological transformation”. The capital city will be refocused around neighbourhoods that will meet the local people’s daily needs.
While the transformation isn’t complete, Paris is quickly becoming a more bikeable city thanks to Hidalgo’s policies. The mayor has declared war on the city’s pollution.
There are other cities where the 15 Minute City is more advanced.
Copenhagen in Denmark and Utrecht in the Netherlands are both cities that have embraced the idea of “hyper proximity” so that people’s daily amenities are close by. In Melbourne, Australia, they’ve stretched the idea slightly to 20-minute neighbourhoods.
“It’s a fairly new concept everywhere,” Moore Cherry said but added she thought Paris was a really good example.
It might be a new concept, but it’s an old way of thinking. Going back more than 100 years it’s possible to find town planners arguing that people’s everyday services should be close by, preferably on foot.
The benefits of 15 Minute Cities
Like many things to do with the climate crisis, an entire system change from how we do things now is required. The good thing about a systems change is once you’re in it, it’s hard to stop.
15 Minute Cities are better for the environment, because fewer vehicles means less pollution. Less pollution is better for human health. There are numerous studies that show that mental health is positively impacted by having green spaces nearby and having schools nearby means children get more independence quicker. This all feeds back into the 15 Minute City as healthy people are better able to walk and cycle to their destinations. If public transport is reliable and readily available, more people will use it and the more people that use public transport, the more viable it is.
“I think it’s almost like taking all the things we know we have to do to address the climate crisis and putting them into a nice, liveable environment,” concluded Moore Cherry.

domain: news


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The first day of Washington County's new justice center's first trial concluded just before 5 p.m. on Tuesday.
Jurors heard from both lead attorneys Prosecutor Dustin Houchin and defense attorney Mark Clark on the case wherein Joe Hambel, 30, is being accused of killing his cousin, Valerie Dicus, 37, and her boyfriend, Joe Hobson, 36, last August.
Jurors heard testimony from Tonya Blevins, the 911 dispatcher who took the frantic phone call early in the morning on Aug. 20, 2016, and Indiana State Police Crime Scene Investigator Sergeant Philip D'Angelo. After a recess at lunchtime, Salem Police Lieutenant Chad Webb was called to the stand to testify about what he saw and photographed when he arrived after being dispatched to the scene following the 911 call. The last two witnesses were Seth and Logan Shelton, Dicus' half-brothers who were living at the home with Dicus and their father, Tony Shelton. They were awakened by the sound of gunfire, but did not see any shots fired or who may have shot the gun that killed Dicus and Hobson.
Look for more details in tomorrow's Salem Democrat.


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A Decriminalised Parking Enforcement (DPE) scheme will be introduced in Falkirk from 19 November 2018.
Decriminalised Parking Enforcement means that the Council will now enforce parking rules throughout the Council area, instead of Police Scotland.
Parking attendants will enforce on-street restrictions with penalty charge notices issued to vehicles parked in contravention of the rules.
Parking, waiting and loading rules are set out by single and double yellow lines on the road, markings on kerbs and parking bays and street signs. Parking attendants will also enforce on-street parking bays.
Penalty charge notices are £60, with a reduction to £30 if paid within 14 days.
The scheme has clear benefits for everyone who uses town centres. It encourages drivers to park safely and correctly, which will increase availability of disabled bays for blue badge holders, increases the turnover in parking spaces which will benefit shoppers, make it easier for delivery vehicles to access local shops, and most importantly, improves road safety.
Parking rules have not changed so if you park responsibly, you won't see a difference. However, this scheme allows the Council to take action against inconsiderate drivers who break the rules.
The scheme will free-up spaces for shoppers who want to park for a short time in a town centre which in turn should encourage more people to the town centres and help local businesses.


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11 Nights | 14Nt FT Lauderdale Stay Ultimate Caribbean
About Cozumel, Mexico
You will visit the following 6 places:
San Miguel de Cozumel
Cozumel is an island in the Caribbean Sea off the eastern coast of Mexico's Yucatán Peninsula, opposite Playa del Carmen, and close to the Yucatán Channel. The island is covered with mangrove forest which has many endemic animal species. Cozumel is a flat island based on limestone, resulting in a karst topography. There are a number of visitors to the island's balnearios, scuba diving, and snorkeling. The main town on the island is San Miguel de Cozumel. The islands belongs to Cozumel Municipality of the state of Quintana Roo, Mexico.
Fort Lauderdale is a city in the U.S. state of Florida, 28 miles (45 km) north of Miami. The city is a popular tourist destination, with an average year-round temperature of 75.5 °F (24.2 °C), and 3,000 hours of sunshine per year. Greater Fort Lauderdale which takes in all of Broward County hosted 12 million visitors in 2012, including 2.8 million international visitors. The district has 561 hotels and motels comprising nearly 35,000 rooms. Greater Fort Lauderdale has over 4,000 restaurants, 63 golf courses, 12 shopping malls, 16 museums, 132 nightclubs, 278 parkland campsites, and 100 marinas housing 45,000 resident yachts. Fort Lauderdale is named after a series of forts built by the United States during the Second Seminole War. The forts took their name from Major William Lauderdale (1782–1838), younger brother of Lieutenant Colonel James Lauderdale. William Lauderdale was the commander of the detachment of soldiers who built the first fort.
Grand Cayman is the largest of the Cayman Islands, a British Overseas Territory in the Caribbean. George Town, its capital, is home to the Cayman Islands National Museum, dedicated to Caymanian heritage. There are fast food restaurants, night clubs, and resorts on the western side of the island down to George Town. The eastern districts have more restaurants specialising in native Caymanian cuisine. Because of its clubs, resorts, and hotels, Seven Mile Beach has the largest concentration of visitors and tourists on the island. Watersports such as scuba diving and snorkeling are among the most popular activities on Grand Cayman as the island is known for its coral reefs and underwater sea walls along with a number of shipwrecks.
Cartagena is Colombia's most famous tourist destination on the Caribbean coast. The city is renowned for its colonial and colourful architecture. With a tropical climate, the city is also a popular beach destination. The city was founded on June 1, 1533, and named after Cartagena, Spain, itself after the original Carthage in Tunisia. However, settlement in this region around Cartagena Bay by various indigenous people dates back to 4000 BC. During the colonial period Cartagena served a key role in administration and expansion of the Spanish empire. It was a center of political and economic activity due to the presence of royalty and wealthy viceroys. In 1984 Cartagena's colonial walled city and fortress were designated a UNESCO World Heritage Site.
Puerto Limón, commonly known as Limón (Spanish for "lemon"), is the capital city and main hub of Limón province, as well as of the cantón (county) of Limón in Costa Rica. It is the sixth-largest city in Costa Rica, with a population of over 55,000 (including surrounding towns), and is home of a multicultural community. Part of the community traces its roots to Italian, Jamaican and Chinese laborers who worked on a late nineteenth-century railroad project that connected San José to Puerto Limón. Until 1948, the Costa Rican government did not recognize Afro-Caribbean people as citizens and restricted their movement outside Limón province. As a result of this "travel ban", this Afro-Caribbean population became firmly established in the region, which influenced the decision to not move even after it was legally permitted. Nowadays, there is an important outflow of Limón natives who move to the country's Central Valley in search for better employment and education. The Afro-Caribbean community speaks Spanish and Limonese Creole, a creole of English.
Colón is a Panamanian city and sea port beside the Caribbean Sea, lying near the Atlanticentrance to the Panama Canal. It is the capital of Panama's Colón Province and has traditionally been known as Panama'ssecond city. Originally, it was located entirely on Manzanillo Island, surrounded by Limon Bay, Manzanillo Bay and the Folks River, but, since the disestablishment of the Panama Canal Zone, the city's limits have been redefined to include Fort Gulick, a former U.S. Army base, as well the former Canal Zone towns of Cristobal, Margarita and Coco Solo.


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Although we don't believe in timing the market or panicking over market movements, we do like to keep an eye on big changes -- just in case they're material to our investing thesis.
The stock market was dominated by concern that the U.S. and its allies will soon begin a military offensive against Syria. Oil jumped to more than $110 per barrel midweek and ended the week at $107.76. A conflict in Syria would have to spill over into surrounding countries to have a big impact on oil supply, but the short-term reaction by traders was to bid up oil and sell stocks. By the end of the week, the Dow Jones Industrial Average (DJINDICES:^DJI) was down 1.33% and the S&P 500 (SNPINDEX:^GSPC) had fallen 1.83%.
Home Depot (NYSE:HD) was one of only two stocks that moved higher this week, gaining 0.8%. The company reported a solid earnings report late last week, and there was leftover momentum in trading early in the week. So far, rising interest rates haven't hurt Home Depot, but we're still early in the adjustment consumers are making to higher mortgage costs. That's the long-term challenge facing the housing market and home-improvement companies, but for this week, Home Depot was the biggest winner on the Dow.
Chevron (NYSE:CVX) was up 0.8% as well, jumping sharply when oil spiked. Higher oil prices seem like a big positive for oil companies, but they can actually raise costs for downstream operations. It's also unlikely that oil will remain high, because Syria isn't a huge global supplier and past conflicts in Iraq and Libya haven't resulted in sustained high prices. I don't think this week was a big reason to change your investment thesis on oil or Chevron.


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domain: sociology


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Dai Due has evolved over the years from a farmer's market booth with high quality handmade products such as sausages, leaf lard, and condiments. Then they started adding hot prepared foods at the market, and soon after, classes like snout to tail butchering. Now they have graduated to a brick and mortar establishment on a bustling Manor Road that is both market and restaurant, and they continue to lead the way in serving local and seasonal foods.
But even a place so highly regarded had its slower times. Seated at the bar one night at the end of February, my friend and I were at Dai Due to "celebrate" Ladies Night, which is every Tuesday. According to our affable bartender, after just a month or two of service, the head butcher (a WOMAN!) and other staff realized that Tuesday nights were definitely slower than others. And, they would have random cuts of steak available that weren't as popular as say a rib eye. So Ladies Night was born, where Tuesdays are $10 steak nights for a 6 ounce portion; on the night we were there, we had a choice between tri-tip and I think eye of round. Regardless of the cuts available, I am sure it will be delicious. And Tuesdays are no longer slow nights there, so ladies, make your reservations!
We started our meal with wine (Duchman's Montepulciano from Driftwood for me) and the house-made pecan sourdough bread with a whipped lard sweetened with a touch of cane syrup. Nice chewy crust, and soft but yeasty insides with a lovely spread of mild pork fat.
All in all, great friendly service and very fine food. Ladies Night or not, the steak and kale gratin beckon. Oh, and side note, the lovely east side location of Sugar Mama's Bakeshop is right next door; they're open late and they serve wine!

domain: food


Ginger Zee has often been known to brave the elements during her travels around the country and the world while reporting on various weather developments.
MORE: Ginger Zee shares vicious message from troll as she fights back for important reason
The Good Morning America star is currently in Mississippi, reporting on the devastating effects of storms and tornadoes that have been hitting the surrounding region.
VIDEO: Ginger Zee braves the elements
In a new clip she shared on social media, the journalist stood outside a chapel in the Mississippi State University campus as she highlighted some of the damage caused by the winds.
As she spoke about the increasing speeds of the winds in the area, going up to 70 miles per hour, she panned to cars that had been parked nearby and were completely destroyed by stray branches and tree stumps.
MORE: Ginger Zee turns heads in stunning workout wear
She revealed, thankfully, that no one had been harmed by the adverse weather conditions in the area, further expanding upon the development on the latest installment of GMA.
Ginger reported from the site of disaster in Mississippi
"Cleanup at @msstate will happen today…thankfully no one hurt here," she wrote alongside her clip. "@realwillcarr has survivors of the New Orleans area tornadoes. See you on @goodmorningamerica with then track!"
ABC's chief meteorologist has been on the road covering major changes in the weather conditions around the country, also reporting on Louisiana and New Orleans.
MORE: Ginger Zee documents difficult goodbye in bittersweet post
MORE: Ginger Zee embarks on incredible family adventure away from GMA studios
She shared a clip of herself from Mississippi on Tuesday as she remarked: "We watched the one cell that did eventually drop a tornado (this was before it did) cross I-20 near Newton, MS."
"Mississippi got very lucky today with lots of clouds and early moisture — there was (and is) so much spin in the atmosphere but without sunshine to heat and lift the storms, there wasn’t enough power."
The meteorologist shared an update from her travels
She continued: "Like a wet security blanket, the clouds damned the shot at bad tornadoes. Alabama still has risk yet tonight and we are now inside the QLCS (quasi linear convective system) that has embedded tornadoes possible — so stay weather aware everyone!"
Read more HELLO! US stories here
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Fat loss is probably the most common health and fitness goal today and there are so many different products and programs designed to make people lose fat that it is virtually impossible to keep track of them all. Having different options for achieving fat loss is important, because no single approach will work for everyone, although some fat loss strategies definitely work better than others.
I hope this is obvious, but any good approach to long-term fat loss must involve making improvements in your nutrition and any product or program that promises fat loss without addressing nutritional issues is almost certainly a gimmick and a waste of money. The good news is there are many different fat loss programs that are effective. Interestingly, even though some of these programs involve very different eating habits, they often have some of the same fundamental strategies at their core.
Some of the more popular nutritional strategies involve minimizing insulin level fluctuations, eating natural (unprocessed) foods, eating small meals throughout the day etc. The multitude of nutritional strategies and diets, along with the current obesity problem, has resulted in a lot of research being done to learn more about the process of fat loss. Many studies have compared various eating strategies to figure out which ones work better than others and analysis has been done to determine what nutritional factors are most strongly linked to fat loss.
Of course, there are many factors that influence whether or not a fat loss program will be successful, but some things have been shown to be more important than others. One of the commonly studied factors is the percentage of calories consumed from fats, protein, and carbohydrates, otherwise known as the macronutrient profile. The macronutrient profile is one of the most obvious differences between nutritional programs or diets, with different programs focusing on things like minimizing carb intake, minimizing fat intake, having a balance between all three, etc.
So many programs suggest that theirs is the best for fat loss because of the particular macronutrient profile of the foods, but it turns out this is not the most important part of a meal plan, at least from a fat loss standpoint. When it comes to weight and fat loss, the number of calories consumed is more important than what type of calories you are consuming. Of course, the type of calories you consume is very important for your overall health, but eating for health and eating for fat loss are not always the same thing.
Even though the number of calories you consume is more important for weight and fat loss than the type of calories consumed, calorie consumption is still not the factor that is most strongly linked to fat loss. The single most important nutritional for fat loss is actually something called caloric density. Caloric density is a measure of how much a food weighs compared to how many calories are contained in that food. Simply stated, foods that weigh more and have fewer calories are better for fat loss than other foods.
Researchers have found that the weight of the food you eat has more of an effect on how full or hungry you feel than the number of calories contained in the food. In other words, if two people with similar appetites each eat a pound of food, they should both feel equally full, even if one person ate twice as many calories as the other person. By eating foods that have fewer calories by weight, you will be able to minimize your feelings of hunger, which is one of the keys to long-term fat loss success.
I should point out that while caloric density does not measure where the calories come from (fat, protein, carb), foods that have good caloric density scores usually have healthy characteristics. This is because many healthy components of food, such as water and fiber, have weight but do not add calories, so they will improve caloric density. On the other hand, foods that are very high in fat will have low caloric densities, because fat has more than twice the number of calories per weight than protein or carbs.
By taking a look at the things that influence caloric density, we can see that while it does not directly measure calorie content or macronutrient profiles, the caloric density of a food is essentially a partial measure of both things. Another interesting thing is that many foods with the best caloric density scores are healthy vegetables, which are considered good foods to eat on virtually every type of nutritional program or diet.
It is important to keep in mind that eating foods just based on their caloric density will not guarantee you will have a well balanced diet. You still need to include a certain amount of fat, particularly healthy fats (omega-3 oils), and quality protein if you want to achieve fat loss and good health. However, other things being similar, a person who eats foods with good caloric densities should lose more fat than a person who eats foods with poor caloric densities.
Finally I want to point out that caloric density and nutrition in general is only one component to fat loss. The most successful programs always incorporate both nutrition and exercise. Following a nutrition program that focuses on eating a well-balanced combination of foods with good caloric densities should result in fat loss, but your results will be significantly better if you consistently include challenging workouts into your routine as well.


The performance of solar cell newcomer materials called perovskites has soared in recent months. But they still have big problems when it comes to working in real-world settings. For starters, the best perovskites contain lead, which is highly toxic. Now, two independent research groups report making solar cells with lead-free perovskites. So far, the new devices convert only about 6% of the energy in sunlight to electricity, less than one-third as much as lead-containing versions do. But that’s about how efficient leaded devices were only 3 years ago. So if the lead-free versions improve as quickly as their leaded cousins did, it could help propel perovskites into the marketplace.
Perovskites are a broad class of crystalline minerals that have been known for well over a century. But their ability to convert solar energy to electricity came to light only in 2009. Since then, the efficiency of perovskite solar cells has climbed from 3.8% to 19.3%, a pace of improvement unmatched by any other solar technology. By comparison, crystalline silicon solar cells, the leading commercial technology, convert about 25% of solar energy to electricity.
But lead could be a perovskite killer. In large part, that’s because the compounds are saltlike minerals that readily dissolve in water or even humid air. And the prospect of dissolved lead dripping onto the rooftops of homeowners with solar panels isn’t a pleasant one to companies looking to commercialize the technology.
The new reports could offer the beginnings of a solution. Both groups of researchers take a similar approach, replacing lead in the complex crystalline structure with tin, a metal that sits just above lead in the periodic table and thus shares a similar electronic structure. In a paper posted online on 1 May in Energy & Environmental Science, Henry Snaith, a physicist at the University of Oxford in the United Kingdom, and colleagues report making tin perovskite solar cells that achieve a maximum efficiency of 6.4%. And in an article posted today in Nature Photonics, Robert Chang, a materials scientist at Northwestern University in Evanston, Illinois, and colleagues report similar solar cells with efficiencies up to 5.73%.
“Both are fantastic work,” says Yang Yang, a materials scientist at the University of California, Los Angeles, whose group last week reported a record-breaking efficiency of 19.3% in lead-based perovskite solar cells. Yang cautions that to be commercially viable, perovskite solar cells will have to be cheap, safe, durable, and capable of being manufactured in large panels. So research in this area is just getting started, he says. Nevertheless, he adds, “Both demonstrations represent a significant step towards the realization of low-cost, high-efficiency, environmentally benign next-generation solid-state solar cells.”


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My family loves this Recipe. I have always tried new and interesting things on my family and they let me know what to keep and what to pitch . This one is a keeper and we fix it at least twice a month. I have even made it with fish, pork and beef.
prep time20 Min
cook time20 Min
Ingredients For blackened chicken
1 1/2 tsp
1 1/2 - 2 tsp
boneless skinless chicken breast halves
1 1/3 c
How To Make blackened chicken
In a small bowl, combine the paprika, 1 teaspoon sugar, 1 teaspoon salt, garlic powder, thyme, lemon-pepper, cayenne and 1/2 to 1 teaspoon pepper; sprinkle over both sides of chicken. Set aside.
In another bowl, combine the mayonnaise, water, vinegar and remaining sugar, salt and pepper; cover and refrigerate 1 cup for serving. Save remaining sauce for basting.
Grill chicken, covered, over indirect medium heat for 4-6 minutes on each side or until a thermometer reads 170*, basting frequently with remaining sauce. Serve with reserved sauce.
Note: I always double the spices/ingredients. I like the taste better.
Last Step: Don't forget to share!
Make all your friends drool by posting a picture of your finished recipe on your favorite social
network. And don't forget to tag Just A Pinch and include #justapinchrecipes so we can see it too!


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- 40. The Wedding Quilt – Episode 40
- 41. The Wedding Quilt – Episode 41
- 42. The Wedding Quilt – Episode 42
- 43. The Wedding Quilt – Episode 43
- 44. The Wedding Quilt – Episode 44
- 45. The Wedding Quilt – Episode 45
- 46. The Wedding Quilt – Episode 46
The Carmodys did full justice to Mamie’s meal.
Drusilla seemed to have recovered from her fit of pique and she and Beasie rolled their eyes at each other as Stella flirted shamelessly with Frank.
He watched the girl with amusement, as though she were an indulged child, showing off in front of her elders.
The meal over, Matt suggested to the men that they go outside to view his recently planted garden, leaving the women to clear away after the meal.
When Stella rose to her feet to follow, Mamie was ready for her.
“You stay with us, dear. You and Drusilla should get to know each other.”
“We must help you with the dishes, Mrs Burke,” Drusilla insisted. “You deserve a rest after that delicious meal. It must have taken you all day to prepare.”
“Oh, just leave them to soak in the sink for now. I want to show you my quilt.”
She produced her work, rolled up in a sheet to keep it clean, and moments later the three girls were exclaiming over the completed top.
The double rings, from which the double wedding ring pattern derived its name, had been pieced in colours of dark green and deep violet, on a background green.
“This is just the top, of course,” Mamie explained for Stella’s benefit. “It will be quilted in three layers: the batting in the middle, and a backing of deep green to match these pieces here. I’m almost ready now to set up the quilting frame and get on with the stitching. Perhaps you girls would like to help me.”
“Why don’t you ask Matt to buy you a sewing machine to help you with this?” Stella asked. “It would save you such a lot of time and energy.”
Mamie looked shocked.
“Oh, no, dear! That might be all right for a crazy quilt, cobbled together with odd pieces for utilitarian use, but
a quilt like this, a work of art if you like, is always pieced and quilted by hand. It’s tradition, you see. A craft handed down through the generations, from mother to daughter.”
“What will you do with it when you get it done, Mrs Burke?” Drusilla asked.
“I mean to enter it in the county fair this fall. After that, I don’t know. I had thought of displaying it in the store to encourage women to join the club I hoped to start, but I may need to sell it to bring in some much-needed cash.
“I thought your mother might help me with that, Stella. She can surely tell me who to approach in the city.”
Drusilla shook her head.
“It’s so beautiful, Mrs Burke. It would be such a shame to let it go to strangers. Surely things can’t be all that bad now that Mr Burke is running a delivery service? Dad has heard good things said of that enterprise.”
“We’ll hope for the best, but I don’t know what we’ll do when winter comes. Brownie will have to go back to the ice man, leaving us without a horse, and even if we bought another, when the bad weather comes we’d have to get runners put on the wagon, or buy a proper sleigh. More trouble and expense, spending money we don’t have.”
“It’s not like you to be so gloomy, Mum,” Beasie said. “You’ve always told me I should never buy trouble. I think you should forget about what might never happen and keep your quilt as a symbol of hope.”
“This is a quilt for a bride, you know. It’s meant to be spread on her marriage bed. I’ll tell you what I’ll do – if you three will help me to finish it, I’ll give it to the first of you to get married. That’s a promise!”
Nodding and smiling, the three girls agreed to take up the challenge.

domain: hobby


text:
This Floral Rocking Horse is delightful carefully crafted from wood and covered in a beautiful floral design, soft pink saddle and matching bridle. It has sturdy, easy to grip handles so getting on to it’s back and saddling up is simple. Children will love going for a ride on this floral rocking horse which will make a wonderful addition to any early years setting.
Age: 12+ months
Height: 560mm Width: 260mm Depth: 643mm

domain: design


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Interview with Jaycent D Brock
Hello My Name is Jaycent D Brock I am from Birmingham Al. I became interested in music when I was in the 4th grade . I learned to play alto Saxophone as well as the Tenor and the soprano saxophone to. I released my first single As the sun sets in Dec 2015 and the following year I released my First CD entitled ” If You Love Me” which is for a friend who wrote a book and asked if I could do a music CD for their book . To this date I now have 8 CD’s out . And I would like to Thank God for blessing me with this gift and I thank you the listener for listening to my music too!
Where are you from?
How long have you been making music?
4 plus years
How many songs /albums have you released to date?
Can you tell us about your latest release and the background and inspirations behind it?
My latest release ‘Radiant Love’ from my CD entitled All in love is fair the prequel to if you love me is to a book series that I am doing for a friend. The Album reflects the different moods of the characters in the book. Radiant Love for example has more of a r&b and jazz infusion within it I wanted to create something based on what the author of the book was asking for and thus the author was very pleased with the results of the CD.
How have you ended up in the music industry?
I would say that I wanted to compose music for movies and games thus I started working my way around to where I found my liking for composing music for games, CD’s or Movies
What do you think of the music industry in 2018?
A lot has changed things are not the same like they were
Who do you think the most influential artist?
wow there are so many lol . I would say Prince because he was very versatile
Who have you collaborated with so far in your career?
How do you think you differ from other artists?
I would say that I like to blend different types of arrangements together and not play one
Dead or alive, who would be your dream collaboration?
What was the first album you bought?
What’s your favourite song at the moment?
diana ross missing you
If you had to sell your music collection tomorrow, what album would you leave in your draw?
What is your favourite saying?
if you can’t practice what you preach get out of the pulpit.
What other hobbies or interests do you have?
weightlifting, traveling, martial arts
Do you have any tattoos or piercings?
Tell us more about your upcoming project or this new project?
My next project will be more towards the smooth jazz side and a bit of R&B too it will be called ” Nights of Summer Grooves And Passion 3 Visions Of Peace and Passion.
What’s in the pipeline after this project?
another CD at a later Date .
Thank you for your time and may you carry on making great, fresh music.
Thank you so much !!!
FOLLOW ON: FACEBOOK


text:
It has been over a year since Henning Kagermann assumed the mantle as SAP AG’s leader after Hasso Plattner, its founder and co-chief executive officer, stepped down. In that time, Kagermann has led the company through a tough business environment in 2003 to the solid first-quarter results SAP recently reported on the back of strong growth in sales of its enterprise resource planning software products in the U.S.
Kagermann joined Dell Inc. Chairman and Chief Executive Officer Michael Dell on stage at the Nasdaq Marketsite in New York Wednesday to highlight an expanded partnership between the two companies. Kagermann and Dell are embracing the “scale-out” strategy of enterprise computing, where more nimble and less expensive two-way and four-way servers take the place of the larger symmetric multiprocessing (SMP) servers that dominated data centres over the last decade.
While in New York, Kagermann sat down with the IDG News Service to discuss the expanded relationship between Dell and SAP as well as the general state of the economic recovery in Europe and the expansion of the European Union from the perspective of the German software vendor.
IDGNS: What does today’s announcement mean for your company?
Kagermann: This was more to highlight what the partnership in place already has achieved. It’s important to show sometimes what it has been like.
This is for me more the proof point that the (scale-out) strategies work. You’ve seen the customers, you’ve seen the proof points in TCO (total cost of ownership) reduction in the migration results, and you’ve seen the proof points in that it works even in an environment in which the customers didn’t think it would work.
That’s what this was about, to show to the market that these are not ideas; it works. This confirms our strategies for the workforce to scale out, it confirms our strategy that there is TCO savings. This is normally the way partnerships should work.
IDGNS: Are you drawn more to Dell as a hardware partner because they don’t have their own application business?
Kagermann: No, I would say the speed to focus on this specific topic was very high at Dell because it was one of their key focuses. So we were talking to the others are as well, but he (Michael Dell) was very focused on this so we could make this announcement very early.
That doesn’t mean that others will not do similar things.
IDGNS:What is the current state of the technology market in Europe?
Kagermann: Fundamentally, it’s true that Europe is lagging, there’s no doubt. If you look to SAP and SAP results, there is distortion. People look to 65 per cent increase on a constant currency basis on software (revenue) in the U.S., and then the two to three per cent down in Europe. This is too big (a discrepancy). Our execution in the U.S. is now after the last year much better than it was two or three years ago. So therefore, I think here we are in a catch-up mode. Europe was very strong (when looking at) market share.
If you look to the market, it’s true that the U.S. companies are more open for investment than in Europe. They are more enthusiastic, and that’s not a surprise. We indicated at the beginning of the year that would happen, we saw Europe was lagging two quarters behind. We expect license growth in Europe this year. But we definitely see the U.S. as driving that growth.
IDGNS: That seems to be the case, historically, when looking at past recoveries.
Kagermann: This is not the first time. I remember we had years where the U.S. went up, and then everybody said in the investment community that Europe has to catch up, and Europe didn’t.
We at SAP had quite a stable business in Europe, but Europe was not catching up. So now everybody is waiting, and the U.S. economy is picking up again. You see people were more optimistic here, and Europe follows. That’s a pity, but that’s always how it goes.
IDGNS: Do you think it’s different this time around in that the European Union (E.U.) has been formed (and shares a common currency)?
Kagermann: That’s true, it’s a little more homogenous. But still, the environment in the countries is different. I would still view Europe as a bunch of 30 countries. You can see there are countries that are doing quite well and others that are not doing well.
The time until you can really view Europe as one entity is 10 to 20 years (away.) Europe has to invest a lot in Europe to make it happen first, that’s my theory.
One of the reasons why Europe is still struggling in economic terms, and we see it in Germany, is that we have had a big unification (effort) for over 10 years. You look to the issues Germany has, and I think its partially because of the big investment and the big struggle in order to unify these two countries (East Germany and West Germany).
Now look to Europe, and now we get eight or nine or 10 countries on a very low level. (Ten new countries will join the E.U. on Saturday.) Now, it’s much better there than 10 years ago. If you go there, like to Hungary, things are much better there than in the 1990s.
But still, the salary level (in those countries) is 20 to 25 per cent that of Germany. It’s a big discrepancy. We get a lot of the labour force coming in which works for 20 per cent of the German average worker.
You cannot say this is one big entity. It will over time become closer, but we are not there yet.
IDGNS: Do you see that as an opportunity for your company, in that you can tap into a less expensive labour force right in your backyard?
Kagermann: I see it as an advantage. We did the same as U.S. companies, we have invested in China, and we will continue. But the east of Europe is another place for us. It’s closer, it’s the same culture. But we have done more in India and China so far, so we have to ramp up in the east of Europe. Like in Bulgaria, we will do more there.
In India we have over 1,000 people, and we’ve been there five years. We did it very carefully, and we know how to manage it now so we can, to some extent, scale.
It can be an opportunity for us to invest in low-cost areas of the E.U. right now. The risk is lower because the currency is the same. You cannot invest only in India, the risk is too high. The next big piece will be the east of Europe.


text:
At the beginning of the second millennium of the Third Age, a mysterious being came to Amon Lanc in the south of Greenwood the Great, and there built the stronghold known as Dol Guldur. This was the magician known as the Necromancer, who was later revealed to be none other than Sauron himself, and from his fortress tower a shadow of nightshade began to spread across the woodlands. From that time on, the Elves came to refer to the Greenwood as Taur-nu-Fuin, the forest under nightshade, rendered into the Mannish tongue as 'Mirkwood'.
The story of Sauron's darkening of Greenwood the Great mirrors events in the First Age, when he occupied the highland forests of Dorthonion, north of Beleriand. That region, too, fell under his shadow, and was also known as Taur-nu-Fuin.

domain: library


text:
10 November 2022
New CPS disclosure guidelines brought in to ease the workload on detectives should be rolled out across the country as soon as possible, according to Derbyshire Police Federation chair Tony Wetton.
The latest changes were made following the Police Federation’s successful #SimplifyDG6 campaign which was launched in August when it became clear members were struggling to cope with the additional paperwork regarding the submission of case files to the CPS for charging decisions.
The Police Federation National Detectives’ Forum (PFNDF) worked with the National Police Chiefs’ Council (NPCC) to produced the revised Joint Principles for Redaction which were developed by the CPS and the NPCC Disclosure Portfolio setting out their joint position on how police officers and prosecutors should approach data protection responsibilities.
Tony has urged members to contact the Federation with feedback on the impact the changes to the system have had.
He said: “We are confident that the revised guidance will mean a significantly lighter workload for our members while keeping within the legal framework.
“But it would be great to hear what officers think of the revised guidance, if it has reduced their burden and if it is making the job a bit less stressful.
“We want to get an accurate picture of how much mitigation these joint principles bring to the huge task that redaction currently is for our members.
“So we welcome their feedback and their views on the revisions, and any other suggestions they might have for further improving the current system, would be most welcome.”
The revised principles are supported by legal advice from a King’s Counsel (KC) specialising in information law to ensure they’re legally robust and have been endorsed by the co-chairs of the Joint Operational Improvement Board (JOIB).
The main changes are:
• New Supporting Guidance to aid redaction decision-making, including how and when non-redaction can be justified on the grounds of disproportionality. To withstand any legal challenges, it’s important such decisions are made on a case-by-case basis, with the decision documented and approved at inspector rank or above.
• Updated FAQs following feedback on common disputes – changing approaches to data minimisation in favour of pragmatism, including when to consider the redaction of occupations, dates of births, vehicle registration numbers, suspects not charged and names of potential witnesses from witness statements. Given the volume of data breaches documented for these categories, the Federation expects to see a significant reduction in the volume of redaction required following these changes.


text:
make ahead instant pot bbq baby back ribs recipe succulent baby back ribs pressure cooked so they re tender and juicy then finished on the grill so the bbq sauce caramelizes and s sticky and delicious on the grill .
How to cook barbecue pork ribs like an American pitmaster from How To Make Bbq Ribs On Grill
, Source: goodfood.com.au
how to make smoked bbq ribs the art of manliness how to make smoked ribs on a gas grill also learn how to make a homemade dry rub and barbeque sauce to go with it .
how to make barbecue ribs on a charcoal grill pork ribs are among the most popular items to cook and the one that gives most people the most trouble learn the right way to make them .
how to cook barbecue ribs on a gas grill great barbecue ribs from a gas grill are possible be patient and attentive and these pork ribs will be e a favorite .
bbq ribs a gas grill savoryreviews my friends ryan and melissa have been promoting my site to all of their friends and have helped increase my readership so in return i decided to cook them dinner .
How To ,
Among the best ways to spend time during the weekend is to arrange a grilling in the backyard. Choosing an 50 New Collection Of How to Make Bbq Ribs On Grill session is a great get together with friends and family and a perfect way to unwind and de-stress after a hectic work week.
When purchasing your first barbeque grill, you will find that you have a substantial array of options available to you. It may seem overwhelming at first due to the almost endless amount of possibilities and options available. But there are generally only three main categories of grills:
Gas BBQ for 50 New Collection Of How to Make Bbq Ribs On Grill
With gas grills you have the option of either normal or propane gas energy sources. Both options are safe and efficient methods to cook with. Propane gas propane gas grills are the more popular styles of barbeque grill because of its portability as it can be quickly moved to different locations about your yard to accommodate your needs and the widespread availability of the fuel. Natural gas grills do not need to refill its fuel tanks for use but they are restricted to the location of the main shut-off valve and length of line that runs to the barbeque grill unit.
Electric powered grills offer great moveability and take up very little room. These grills make use of radiant heat from an electrical element to cook the food, which allows for a more fairly precise regulation of temperatures. By choosing an outdoor electrical grill you will be able to plug it in and within seconds you are going to be ready to cook that steak.
The 50 New Collection Of How to Make Bbq Ribs On Grillalso offers great portability preparing food on the charcoal grill can give you the distinct smoky flavour or freshly grilled food. The cooking temperature in these grills is regulated by the amount of charcoal and air flow all the way through the cooking step. These grills are commonly applied to the beach, at picnics, and cottages. A stainless-steel a lot grill that is designed to be ultra lightweight would be ideal for backpackers.
Once you have decided on a perfect outdoor bbq grill for your needs, one of the most important BBQ barbeque grill components you need to get is definitely a grill cover. In case you have a gas grill, you will get your Gas Grill Cover. Barbeque grill covers protect your gas grills and prolong their life. Not keeping your barbeque grill covered; particularly if it really is element of your outdoor cooking equipment could expose it to severe weather and damage this.
By making your outdoor space an extension of your living area, you are creating an inviting setting to entertain family and friends. The most important idea is definitely to have enough seating for all of your guests.
Outdoor patio sets are the best ways to make your yard have a new and fresh look. They are a terrific way to entertain guests outside when the elements is great. 50 New Collection Of How to Make Bbq Ribs On Grill can provide carefree comfort and unique style to make an exterior space much more inviting.


European investigators are set to accuse Apple of receiving "illegal state aid" in Ireland for more than 20 years.
If you own a MacBook Air from the past couple of years there's really no need to upgrade, but a small spec bump and minor price cut make the most-current Air even more attractive.
The round Moto 360 smartwatch has been unveiled at last, and it's striking. But what makes it different? Here's our first impressions after having it on our wrist for a day.
Is Apple really going to compete with the high-end watch brands? Some speculate that most of the Apple Watches will be pricey.
iPhone 6 scalpers have taken to eBay to auction off their preordered Apple smartphones to those who weren't so quick on the draw.
CNET editor Dong Ngo explains how you can spend a lot of money on the D2 Thunderbolt 2 drive from LaCie and then spend some more on its update kit. But there's at least one bonus point that might make many of you happy to buy the device anyway.
Don't want another two-year noose? You can get a contract-free GSM version of the new iPhone -- for a price.
CNET's Andrew Hoyle goes hands-on with Huawei's cheap new Ascend G620S, a 5-inch phone with a 720p screen.
Smartphone shoppers in India can now buy the affordable Cloud FX for just slightly more than Mozilla's target price of $25.
The new old-school Nokia 130 comes in single or dual-SIM versions and goes on sale in China, India and Africa.


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Granny Jigsaw Puzzle game
Granny Jigsaw Puzzle is a fun horror puzzle game. You can select one of the nine images and then select one of the four modes (16, 36, 64 and 100 pieces). Select your favorite picture and complete the jigsaw in the shortest time possible!
In Granny Jigsaw Puzzle, players are tasked with combining small puzzle pieces into a complete image. Observe the initial images closely to complete them.
The larger the number of puzzle pieces, the smaller the size of the puzzle pieces, making it more difficult for players to observe. When you start playing, you will be able to choose one of nine given images. Those are horror images, depicting part of the scenery of horror games with the main character Granny. Get acquainted with this game by playing from the easiest level with 16 pieces. Once you are proficient and confident, you can challenge yourself with more difficult levels that require higher observation ability. Are you ready? Play now!
Don't keep the game for yourself but share it with your friends. Join your friends right now in this jigsaw puzzle game to bring you useful things to learn. What do you think if you allow yourself to challenge several other similar tournament games like LowPoly 3D Art and Melodic Tiles.
- Click “Play” to start.
- Use mouse to play.


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Wow!! Jennifer Hudson revealed that she has 26 siblings! The 38 yr old was raised in the household by her late mother, Darnell Donnerson, along with her sister, Julia, and her late brother, Jason. Her dad was not around while she was growing up but when she reconnected with him later in life, she discovered […]
Chile! It’s about time because these two were wearing me out! Jennifer Hudson and her ex-fiance David Otunga have finally reached a custody agreement after nearly two years of going back and forth. According to TheJasmineBrand.com, court negotiations took over seven hours, reaching the following arrangements: – Both David Otunga and Jennifer Hudson will have […]
As we all mourning the loss of the “Queen of Soul” Aretha Franklin, rumors are swirling once again that singer/actress Jennifer Hudson will play her in a new biopic. Reports say the movie that has been in the works for several years and guess who else has reportedly threw their hats in the ring to play […]
Gene’s are strong, and the proof is in Jennifer Hudson’s seven year son David Otunga Jr. In a video shared on Instagram Live young David blow’s his dad, David Otunga, mind as Jr. belts out Happy Birthday. David Otunga wanted to know where that came from, he sound like mommy (Jennifer Hudson) and they should […]
Today is the anniversary of Prince‘s death and many people around the world are still mourning the icon’s untimely passing. In a week that is sure to be filled with purple-themed parties, we at Global Grind recall some of the best tributes following the passing of the GOAT — as well as the not so […]
See what your faves were up to this week.
Check out what your faves were up to this week.
The Oscar-winning singer took to Instagram after her heart-wrenching performance to open up about paying homage to the Purple One.

domain: celebrity


i am selling a bersa thunder 380acp because it has beat up my shooting hand too much, starting with slide bite. i liked its handy size, solid steel heft and ease of fieldstripping. be aware that the thunder’s safety lever/decocker can shear off. it is a known problem on the bersa forum. mine did while shooting outdoors on a cold, not freezing, winter’s day. the part from bersa cost $10 and i paid a gunsmith $20 to replace it. 380acp is a great round. s&w shield ez 380acp has replaced my thunder, though the former is slightly larger.


text:
NEW YORK (AP) -- U.S. stocks are opening lower for a second day in a row as investors position themselves for corporate earnings reports.
The Dow Jones industrial average fell 95 points, or 0.6 percent, to 16,928 in the first few minutes of trading Tuesday. Goldman Sachs and Boeing fell the most in the index.
The Standard & Poor's 500 index lost 10 points, or 0.5 percent, to 1,967. The Nasdaq composite fell 35 points, or 0.8 percent, to 4,416.
The Dow and the S&P 500 set record highs last week.
AbbVie fell $1.14, or 2 percent, to $56.26 after the company raised its offer to buy rival drugmaker, Shire. Shire has rejected three offers from AbbVie.
Major U.S. companies start reporting their earnings this week, beginning with aluminum maker Alcoa later Tuesday.
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