By Rep. Rubén Hinojosa (D-Texas) - 04/24/13 10:25 PM EDT
Financial Literacy Month is about empowering Americans to take control of their fiscal futures, whether by avoiding payday lenders, opening a first savings account or planning for a retirement. We all strive for a more stable financial life for ourselves and our families.
Over the past decade, many consumers throughout the U.S. have faced severe financial hardship. According to a Federal Deposit Insurance Corporation survey, at least 25.6 percent of American households, comprising approximately 60,000,000 adults, are unbanked or underbanked, and subsequently have missed opportunities for savings, lending and basic financial services. These statistics include low- and middle-income families as well as military veterans, many of whom are coming home from war to financial uncertainty.
Jesse Rodriguez, an Air Force veteran who served in the Persian Gulf War, was looking for information on home buying. He’s being cautious because many of his friends have been caught in extremely high interest loans, and he was seeking advice from the VA to keep him on the right path. The VA website provides a lot of financial information.
In a letter to the Treasury Department, senior Department of Defense official Clifford L. Stanley wrote that financial worries were “second only behind work and career concerns and ahead of deployments, health, life events, family relationships and war/hostilities.” Service members and their families face unique challenges, including repetitive relocation, low salaries and targeting by predatory lenders.
In an effort to curb the most usury loans, I supported giving the Consumer Financial Protection Bureau the ability to regulate, on a national level, non-bank lenders. Additionally, Congress ensured that the bureau included an office, currently run by Holly Petraeus, dedicated solely to military members, veterans and their families.
The Military Lending Act of 2007 helped curtail the targeting of military members by payday loan companies, but there are no federal regulations limiting loan interest rates for veterans or their families. Some companies continue to target military members using alternatively structured debt-trap products.
My home state of Texas has no limits to the fees that payday and auto-title lenders can charge. It’s not unusual to see APRs climb to above 500 percent.
State legislators are working on a bill to limit payday lenders to offering four kinds of loans and cap the amount of a loan based on a borrower’s income, but many say the bill will not limit industry fees. Thus the cycle of debt continues.
There are alternatives to exorbitant payday loans that have long plagued our communities. In my district, the Rio Grande Valley Multibank has a program called the Small Dollar Affordable Loan. This program allows workers to take out 12-month loans. Once an employer opts in, employees authorize a payroll deduction to pay their loans back. The difference between this program and payday loans is that consumers don’t have to pay back the loan within 18 days. This is more likely to help the consumer build credit instead of potentially wrecking their finances. Additionally, by requiring a checking account, these products incentivize engagement in the mainstream financial system. Too many of our residents opt out of savings and checking accounts, leaving them to struggle in a cash economy. Bank accounts are a first step to long-term savings and financial planning.
Financial Literacy month should be a reminder to policymakers that our military members and veterans have unique financial situations but often are too humble to ask for information. Financial literacy is a journey, not a destination. We all make financial decisions every day that contribute to our long-term fiscal health. Financial literacy needs to be better integrated into all aspects of our lives. Not only should federal agencies, banks and credit unions, nonprofit practitioners and employers provide easy-to-understand financial information and ensure safe and appropriate financial products, but the appropriate information and products should be targeted to the right audience at the right time. MyMoney.gov is one reliable source to find information and resources for everyone, from young military members looking to stay away from the vicious debt cycle to veterans and civilian families saving and planning for retirement.
A more financially literate country means a more resilient, robust economy. Let’s use Financial Literacy Month to take steps to better inform ourselves, our families, our constituents and our communities about leading more financially literate lives.
Hinojosa is a member of Congress and co-chairman of the Congressional Financial and Economic Literacy Caucus.


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You can read a compilation of the online discussion surrounding the 2011 Design Summit below. And keep engaging in the debate on Twitter using #designsummit11
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domain: design


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Fine Gael and Fianna Fáil have published their historic agreement on how the State will be governed for the next three years, with each party making significant concessions.
The deal clears the way for Fine Gael to form a minority government led by Enda Kenny and implement budgets that adhere to the broad policy aims agreed by the two parties.
Fine Gael is continuing its negotiations with Independent TDs in order to establish a minority coalition and reach the required number of votes to elect Mr Kenny as taoiseach if Fianna Fáil abstains.
Senior Fine Gael sources cast doubt on whether a government could be formed this week, although a special Dáil sitting on Friday is a possibility. Some Independents expressed concern that they are being asked to agree to a deal in which they had no input.
Fianna Fáil has extracted concessions from Fine Gael on the suspension of water charges and on focusing cuts in the universal social charge on middle and lower income earners. The party has, in return, effectively promised Fine Gael it will facilitate the passage of three budgets. The arrangement will be reviewed towards the end of 2018.
Fine Gael has committed to “avoiding policy surprises” and giving a greater hearing to Opposition bills.
Fianna Fáil figures say a similar agreement could apply in future if they are the lead party in such an administration.
Mr Kenny and Mr Martin both received the unanimous backing of their parliamentary parties last night for the deal.
Mr Kenny sought to convince his TDs that Fine Gael extracted a concession from Fianna Fáil by getting it to sign up to a three-year deal. The Fianna Fáil parliamentary party heard that its policy priorities were reflected in the agreement.
Other main measures include a split of available resources – the ‘fiscal space’ – on a 2:1 ratio between public spending increases and tax cuts, and the suspension of water charges within six weeks of a new government taking office. The suspension will initially last nine months but can be extended.
Businessman Denis O’Brien criticised the proposal to suspend water charges and said the plan to set up a commission meant the issue had been “kicked in the air and down the field”.
"The Government was wrong to back down on Irish Water," Mr O'Brien said in an interview with Bloomberg Television. "All the infrastructure is Victorian for the supply of water in Ireland."
The Health Service Executive will implement a five-year service plan rather than the current annual arrangement. Both parties have committed to the implementation of the Lansdowne Road agreement. A public service pay commission will “examine pay levels across the public service”.
There are also broad commitments to increase and speed up the delivery of social housing, make the development of private homes easier and initiate an affordable housing scheme.
Party sources say Fine Gael wants the support of about eight of the 14 non-party deputies currently engaged in talks.
The negotiations will be informed by the Fine Gael-Fianna Fáil deal but some Independents expressed unease about the proposals being put forward in agriculture and health.
Fine Gael sources also expressed concern that Mr Kenny may give as many as five cabinet positions – a third of senior ministerial positions available – to Independent TDs.

domain: news


From the American Enterprise Institute:
President Obama finally found a tax cut Republicans don’t like.
In his State of the Union speech last night, Obama formally, if obliquely outlined his proposal for nearly $200 billion (over ten years) in middle-class tax relief. It includes an expansion of the existing child-care and earned income tax credits, as well as a new $500 “second earner” tax credit for married couples.
Now, it would hardly break Uncle Sam’s bank if Obama had chosen not to pay for these tax reductions. They would add just 2 percent to the projected level of debt accumulation over the next decade. That’s a rounding error. But Obama did decide to pay for them, by raising taxes on wealthier Americans. He wants to increase the long-term capital gains and dividend tax rates, eliminating a tax break for the “superrich” that allows inherited assets to escape investment taxes, and a tax on megabank borrowing. As Obama put it, “For far too long, lobbyists have rigged the tax code with loopholes that let some corporations pay nothing while others pay full freight. They’ve riddled it with giveaways the superrich don’t need, denying a break to middle class families who do.”
The GOP’s response has been one of talking-point uniformity, perhaps best encapsulated by a tweet from a spokesman for House Republican budget guru Paul Ryan:
Not a serious plan. We lift families up & grow the economy with a simpler, flatter tax code, not big tax increases to pay for more spending.
— Brendan Buck (@BrendanBuck) January 18, 2015
That analysis is only half right. As political matter, the Obama blueprint is pretty distant from the sort of tax reform most center-right policymakers have been floating. It would add complexity and progressivity, and raise taxes overall. But the basic tradeoff of the Obama plan is perfectly reasonable. One way to raise middle-class incomes is to let folks keep more of their incomes away from the taxman. (An improvement, though, would be to expand the child tax credit to give more families higher take-home pay and more flexibility over their spending. Obama’s plan doesn’t help households with a stay-at-home parent.) And if you are going to pay the bill for lowering the middle-class tax burden, raising the burden for the rich seems logical during a time when the vast bulk of income gains appear to be going to the top.
But how Obama has chosen to mostly pay for his tax cuts is perfectly dreadful. Raising capital gains tax rates increases the tax code’s penalty on savings. Savings, when put to work as investment, boosts productivity and long-term economic growth. And you can’t substantially raise middle-class living standards in a slow-growth economy. Redistribution will only get you so far.


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GeKay Inc. currently (January 1) has a net income of $10,000,000 which is expected to grow indefinitely (perpetuity) at 10% per annum. The firm is financed at a debt-to -value ratio of 30%. The firm has a 50% dividend payout to shareholders (dividends paid at year-end), with 10m shares of common stock outstanding. The firm pays taxes at the 36% rate. The stock has a (levered) beta of 1.2 and the market risk premium (MRP) is 6%. The risk free rate (RF) is 4% and the firm’s Cost of Debt is 5.5%. Determine the stock price?
The question belongs to Finance and it discusses about calculation of stock price with net income, debt to value ratio, dividend payout ratio and tax rate being given. The solution has detailed calculations.
Total Word Count 120
If you are here for the first time, you can request for a discount coupon, which can knock off upto 20% of the quoted price on any service.

domain: finance


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FlexLink develops hygienic conveyor for egg liqueur plant
19/05/2005 - FlexLink has developed a new hygienic system, which Verporten has installed for use in their classic egg liqueur plant in Germany. Adele Le Gros
Extensive hygiene demands
Hygiene has highest priority in the food and dairy industry, and it is of special importance to maintain cleanliness in production equipment. This is especially true for conveyors, as contaminants can easily be distributed along the entire production line.
A high speed, reliable and easy to clean conveyor system
Daily cleaning of machines and conveyors is necessary in the filling parts of the production line. This is why Verporten has installed FlexLink’s hygienic conveyor, based on stainless steel. The open structure provides self draining surfaces to reduce liquid build up on the conveyor during production and improve accessibility for cleaning. The high speed conveyor system is modular in design, making it easy to assemble and reconfigure.
Bernhard Roth, Production Manager, Verporten, says: “The hygienic design of the new conveyor makes it ideal for sensitive parts of the egg liquor filling line. The system also uses standard components so it is compatible with previously installed systems.”
Fast return on investment
FlexLink delivered the system in pre-assembled modules, which made it easy to install. The improved hygienic standards and easy to clean features of the new system has resulted in a fast return on investment for Verporten. The 0.35-0.7 litre bottles are transported with a speed of 35m/min, with up to 100 bottles per minute handled on the new conveyor.
The foundation for The Queen Silvia Children's Hospital is a fund raising...
Product introduction: The new X85 conveyor platform, X85 pallet system,...
New state of the art pallet system with standardized control software.
FlexLink presents new solutions at Tabexpo 2007
Youtilize® from FlexLink is a MES (Manufacturing Execution Software).


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This product is no longer available.
Dwyane Wade Framed Photograph
This Dwyane Wade collectible features a 6" x 8" photograph and facsimile signature that has been engraved into the matte. It comes double matted and framed in black wood, ready to hang in any home or office. 15" x 17".


Music is a big part of the lives of most teenagers. And for those growing up in the 1970′s and 80′s, it was often lifechanging. Countless musicians of that era got their start in “garage bands,” so named because these groups usually practiced in their own family home garages.
Brian Elias of Springboro began his own musical journey as an elementary school student growing up in Columbus. When his father finished dental school, he opened an office in Huber Heights and moved the family to Forest Ridge, a then Mad River Township subdivision.
“I started playing piano when I was around five years old,” Elias said. “I continued to play instruments all through high school.”
Elias was in the marching and concert bands at Stebbins High School and said those experiences shaped his life.
“It was an amazing experience from a music perspective,” Elias said.
When he was a junior in high school, Elias started playing in his first garage band – Mirage. At the time, local radio stations did a lot to promote up and coming local bands.
“What got us started is there was a contest on a local station, and it was held at a place called The Bus Stop in Dayton,” Elias said. “We pulled together the band to compete in that.”
Elias played the keyboard and sang lead in Mirage and the group created a tape with a few songs. They ended up earning a second place in the contest.
“It was incredible,” Elias said. “They had a massive sound system and a lot of our friends from Stebbins came out to see us. It was a great time.”
The band stayed together for about a year but disbanded once their lead guitarist graduated high school.
After Elias graduated in 1981, he headed to college at Miami University in Oxford, choosing to major in chemistry with the hope of one day becoming a doctor. But by his junior year, Elias had become interested in studying law.
“I wanted to make the world a better place,” Elias said. “I got the chemistry degree but then went to Pepperdine University in California for law school.”
Throughout his time in college, Elias continued playing in bands – his first was Chantz – and developed enduring friendships through music.
“I also played in two other bands,” Elias said. “During that time I met musicians that ended up playing with me in Stranger when we started that band about 26 years ago.”
After law school, Elias stayed in California and worked at a law firm. He married Amanda, his fiancé through his college years and eventually the couple decided they wanted to move back home to be close to family and friends. They moved to Centerville in early 1990.
Elias was hired at LexisNexis and stayed with the company until he retired in July of last year. While at LexisNexis, he received more than 10 patents for software related inventions, traveled internationally and experienced many different countries.
As a member of Stranger, Elias also experienced what it was like to open for large national acts, like REO Speedwagon and Foreigner.
“We started like any band playing small venues and then festivals,” Elias said. “We quickly started to feel like rock stars.”
With Stranger, Elias plays the keyboard and the rhythm guitar, after teaching himself in college. He also sings lead vocals and plays bass.
Now that he has retired from full time work, Elias has time to focus more on his music. He and Stranger drummer Rob Hoeting founded “Seconds to Surrender,” a cover band that plays songs from The Police and Irish rock band, U2.
“The band evolved with different members coming in and out,” Elias said. “We auditioned a lot of people and found some great guitar players, but we needed someone who understood guitar effects.”
In addition to Elias and Hoeting, guitarist Thad Bissett and bass player Sean Kelley joined Seconds to Surrender. Elias also continues playing in Stranger, along with Dayton radio personality Jeff Stevens, who is lead vocalist.
“We launched the band before the pandemic,” Elias said. “But in 2020, all our gigs were canceled.”
The band continued to rehearse as much as possible and today they are working to move from an events band to a party band and play at larger venues.
“When people come to watch a concert, they like to dance and have fun,” Elias said. “We have finally had a few shows and want to get back into playing at festivals.”
Elias said that Dayton in particular, is a wonderful place for music and that local bands, many starting out in garages, have done well and gone on to play regionally and nationally.
“We live in an area that has a real diversity of music,” Elias said. “You don’t have to be in Nashville or southern California to find high caliber musicians. You can find that right here.”


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Fundraiser for family of popular teenager Dylan Price raises £18,000
It started with a target of just £100 but a fundraiser set up in memory of teenager Dylan Price ended up with more than £18,000 being donated.
The idea came from Dylan's friend, fellow student at Shrewsbury College, and Shrewsbury Colts teammate, Joey McCoy, who said he had just wanted to do what he could to help his friend's family in a time of tragedy.
Dylan's mum, Louise, and his sisters Livi and Izzy have spoken of their thanks for the generosity shown from all those who contributed, and to Joey for his thoughtful actions.
Louise said they had been "overwhelmed" at the support.
Joey, 19, who said Dylan was "like a little brother to me", paid tribute to to the way his friend's family have coped in the face of the tragedy – supporting others experiencing grief while they deal with their own loss.
He said: "This family have been ridiculously strong. The way they have handled things is amazing. The way they have stayed together and tried to help other people too is just incredible."
He added: "Dylan was like a little brother to me, smiling all the time, he was such a cheeky chappy, as soon as I met him we just clicked. He was just great, every time you saw him."
Joey said that although he expected people to support the fundraiser, even he had been staggered at the way it had gone, with the local community, businesses and the rugby community all coming forward to support the efforts.
He said he had just wanted to make sure Dylan's family had one less thing to worry about.
He said: "It was just to help obviously with the Covid times being hard, it was just to help get a few funds together. When that happens the last thing you want to be worrying about is money."
He added: "I knew Dylan had such a massive friendship circle so I knew it would do well but I didn't expect it to go to that. I just hoped all the rugby lads would donate and the next thing we were getting donations of £4,000 and stuff."

domain: sociology


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Vanderhoof housing for seniors, people living with dementia
Hammers bang and drills buzz. At a construction site in Vanderhoof, crews construct housing for seniors and people living with dementia.
The 28-unit building, operated by Connexus Community Resources Society, will provide 20 units to seniors and eight to dementia care patients. This living model has not been done in any other public housing in BC.
“This unique housing project will bridge the gap in seniors housing and those who need assisted living in long-term care,” said Tyrell Arnold, Executive Director of Connexus Community Resources Society.
The housing project started when Arnold talked with Dr. Nicole Ebert of St John Hospital. Dr. Ebert told Arnold the hospital usually had six to eight dementia patients who were stuck there because they had no where to go.
Dr. Ebert presented the initiative to the District of Vanderhoof Mayor and Council, who then teamed up with Northern Health and Connexus. They evaluated housing models from other areas in Canada and the UK and settled on a seniors and dementia care model from Nova Scotia.
The project is much needed in Vanderhoof. The Connexus waiting list for housing has grown to around 40 people.
“Some of the increased demand is caused by seniors who are moving from rural areas to urban areas. Others move because of the death of a spouse, while others are seeking to downsize,” Arnold said.
“We already have 10 people who have called us asking to book a home in the new building once it is complete.”
The District of Vanderhoof was also thinking about how to address some of the housing challenges facing their community. When the project was presented to the Mayor and council, they quickly came on board and donated land, located on 2657 Church Ave.
“Many seniors ended up staying in our local hospital for over two years because we did not have housing for them,” said Gerry Thiessen, Mayor of Vanderhoof.
“Northern Health did some research and found the unique housing for seniors and for people living with dementia. We then talked to BC Housing who provided their funding support and we supported Connexus Community Resources Society to be the operator.”
Thiessen added that the project will bring stability to families who care for elderly parents. The housing will also bring dignity to the seniors as they will have their own self-contained homes in their community.
The construction project has also been good to the local economy, Thiessen said.
“Some local tradespeople have found jobs working for the project, local businesses have found contracts and local motels are providing accommodation to nonlocal workers.”
Thiessen thanked BC Housing, Northern Health, and Connexus for collaborating with the District of Vanderhoof on this seniors and dementia care housing project.
“This innovative project will help more seniors live independently in their community, and provide additional capacity for dementia care,” said James Simpson, NH health services administrator for the Omineca region.
“Northern Health is happy to be working with BC Housing and community partners to increase care options for people in their home communities.”
So far, construction is steady. The foundation is complete, and crews are now putting up walls. It is expected to be ready for move-in at the end of 2021.


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Are you looking forward to witnessing the World Cup games in Qatar in person? If so, there are a number of services that have been created in the UAE to make it easier for fans to watch the world cup matches while also visiting the UAE, regardless of whether they are UAE residents or tourists from other parts of the world.
A total of 120 “match day” flights per day will operate between Doha and Dubai from Dubai World Central (DWC). Additionally, a number of chartered planes are anticipated to run between the two nations.
So, if you want to maximize your World Cup experience, here is everything you need to know about the services that can make it better.
Every single person attending a match will need a Hayya card, also known as a Fan ID, which is a personalized document given by FIFA World Cup Qatar 2022. On game days, entrance to the stadium requires both a Hayya card and the appropriate match ticket. For the duration of the FIFA World Cup Qatar 2022, only one Hayya card is necessary per individual.
All match ticket holders must apply for a Hayya Card here, as must anyone entering Qatar between November and January. Make sure to download the Hayya app so you can access your card after it has been approved.
It will act as your visa-free entry permit into Qatar, as well as your pass for free public transportation on the bus and the metro when you have a valid ticket.
The State of Qatar offers visa-free admission to nationals of more than 95 nations.
The UAE has introduced a new multiple-entry visa for owners of Hayya Cards that costs Dhs100 and is good for 90 days for visitors going to Dubai for the World Cup.
In addition, Saudi Arabia will permit visitors carrying a Hayya Card for the Qatar World Cup to enter the country numerous times within a 60-day period throughout the competition’s period, which spans from November 1, 2022, to January 23, 2023. Travelers who secure an electronic visa using Saudi Arabia’s unified national platform will be allowed entry into the country up to 10 days prior to the commencement of the competition. Additionally, health insurance will be necessary.
Traveling to Doha by air
Flydubai will operate 30 round-trip flights per day from Dubai to Doha during the World Cup, while Air Arabia will operate 14 flights per day between Sharjah and Doha in addition to the existing three daily services. The ‘shuttle flights’ can now be reserved through flydubai.com and airarabia.com. Return tickets with flydubai start at Dhs948 for economy and Dhs3,665 for business, while those with Air Arabia cost around Dhs1,100.
Flydubai’s return Match Day shuttle flights come with a hand luggage allowance, an onboard snack, and free ground transportation from the Doha airport to the stadiums. The carry-on baggage allowance on Air Arabia flights is 10 kilograms.
Dubai To Doha By Road:
Yes, you may take a road trip from Dubai to Doha. With your friends or family, you may look forward to an exciting road vacation while still saving money. It will take you about 6-7 hours to go the estimated 600 km distance by car. Since you will need to cross Saudi Arabia to get to Doha from the UAE, you will need to have adequate auto insurance and visas for both Saudi Arabia and Qatar. You can park your car on the Saudi side of the Abu Samra land border, drive up to Saudi Arabia, and then take a free shuttle service to Doha from there. After the game, the bus will also drop you off back at the border. Once more, in order to enter Doha, you must have your Hayya card on you.
Dubai To Doha By Water:
Due to the fact that the UAE and Qatar share maritime borders, charter ships that are scheduled by the Qatar National Tourism Council are another option for traveling to Qatar. You can use the shuttle bus service to get to the stadium or your accommodation when these ships discharge you at the Hamad Port.
Travelers entering Qatar (vaccinated or unvaccinated) are no longer obliged to undertake a quick antigen or PCR upon arrival or to show a negative COVID-19 PCR test result certificate prior to their departure.
Travelers are advised to verify the most recent criteria before their journey as these regulations are subject to change at any time.

domain: travel


The Legal Support Society exists for one easy but highly effective purpose: to ensure that no New Yorker is denied the suitable to equal justice because of poverty. Underneath the management of Burt W. Griffin, who later became Frequent Pleas Courtroom judge, Legal Aid used a $160,000 grant to establish 5 places of work in low-earnings neighborhoods of Cleveland in 1966 and elevated its legal workers from 16 in 1966 to 66 in 1970, when it served 30,000 people.
Authorized Help attorneys can be found for the residents of Aquavista and Arboretum Place backed housing dockets on the Newport Information Basic District Court, 2500 Washington Avenue, Newport Information, Virginia 23607, on Could thirteen at eleven am.
The LEGAL AID SOCIETY OF CLEVELAND, integrated on May 12, 1905, was the fifth society within the United States organized, in keeping with its constitution, “to render legal help gratuitously or for a moderate charge to deserving persons not in any other case able to receive the services of a competent attorney, and to promote measures for their protection.” Praised as an modern program by proponents of legal support at numerous points in its history, the Cleveland organization was nevertheless typical of such societies, evolving from an agency for social control to 1 advocating social change within the 1960s.
Choose MANUEL V. LEVINE , a trustee of Authorized Aid Society for 32 years, facilitated the creation of the state’s first municipal court in 1910, a historical step that ended the exploitation of poor folks by township justices of the peace who freely ranged into Cleveland because the metropolis lacked a court of its own.


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BALTIMORE - Ray Rice won't soon forget the outstanding game he had against the defending Super Bowl champions.
Neither will his mother.
Rice ran for 153 yards, caught five passes for 80 yards, and scored two touchdowns to lead the Baltimore Ravens over the New Orleans Saints, 30-24, on Sunday.
"I laid my shoes over there," the third-year pro out of Rutgers said afterward. "I'm going to give them to my mom for Christmas. I'm going to sign them and give them to her on top of her other gifts."
In a game that had significant playoff ramifications for both teams, the Ravens (10-4) used a time-tested recipe to end the six-game winning streak of the Saints (10-4).
Baltimore scrapped its high-powered passing game in favor of running the ball. And its defense, which had blown eight fourth-quarter leads, banded together to make sure it didn't happen again.
"I saw the game plan. I knew we were going to run the ball today," said Rice, who exceeded 1,000 yards rushing for a second straight season.
Going in, Rice had not had a run of more than 30 yards and had reached the 100-yard mark only once this season. Against the Saints, he peeled off a 50-yard run in the fourth quarter and finished with his most yards rushing since a 154-yard effort Nov. 2, 2009, at Cleveland.
"We knew coming in that they were going to try to protect the football, try to run the ball. We just couldn't stop it," New Orleans linebacker Malcolm Jenkins said.
The Baltimore defense limited the Saints to 27 yards rushing and stopping New Orleans on its final two possessions.
"I think everybody on our defense was thinking, 'We can't let this one go,' " Ravens tackle Haloti Ngata said. "Throughout this year, we've always let teams finish us off instead of us getting off the field and letting our offense finish the game. It just felt great to have our defense stop a great offense like that."
With the score 27-24 and the Saints facing a fourth and 8 on their own 17, Ngata batted a pass thrown by Drew Brees, and Cory Redding got the interception to clinch the victory. A field goal by Billy Cundiff created the final cushion.
Brees went 29 for 46 for 267 yards and brought the Saints back from a 21-7 deficit. He threw two touchdown passes to tight end Jimmy Graham and another to wide receiver Lance Moore, but it wasn't enough to prevent the Saints from losing for the first time since Oct. 24.
It was the first time in six games that New Orleans failed to score at least 30 points.
New Orleans 7 7 3 7 – 24
Baltimore 7 14 3 6 – 30
NO–Graham 18 pass from Brees (Hartley kick), 9:03.
Bal–Dickson 34 pass from Flacco (Cundiff kick), 4:43.
Bal–Rice 10 run (Cundiff kick), 14:20.
Bal–Rice 17 pass from Flacco (Cundiff kick), 10:05.
NO–Graham 1 pass from Brees (Hartley kick), :22.
NO–FG Hartley 47, 6:24.
Bal–FG Cundiff 33, 2:15.
NO–Moore 15 pass from Brees (Hartley kick), 11:34.
Bal–FG Cundiff 32, 10:03.
Bal–FG Cundiff 27, :09.
First downs 21 17
Total Net Yards 269 356
Rushes-yards 14-27 39-208
Passing 242 148
Punt Returns 1-9 2-35
Kickoff Returns 6-152 4-97
Interceptions Ret. 0-0 1-0
Comp-Att-Int 29-46-1 10-20-0
Sacked-Yards Lost 3-25 3-24
Punts 6-42.2 5-38.6
Fumbles-Lost 3-1 0-0
Penalties-Yards 5-68 10-68
Time of Possession 28:31 31:29
Rushing: New Orleans, P.Thomas 6-20, Jones 4-11, Bush 4-(minus 4). Baltimore, Rice 31-153, McGahee 7-53, Flacco 1-2.
Passing: New Orleans, Brees 29-46-1-267. Baltimore, Flacco 10-20-0-172.
Receiving: New Orleans, Bush 7-36, Colston 6-80, Graham 5-29, Henderson 3-53, Shockey 3-26, Moore 2-26, Meachem 2-17, P.Thomas 1-0. Baltimore, Rice 5-80, Dickson 2-33, Mason 1-42, Houshmandzadeh 1-15, Boldin 1-2.
Missed Field Goals: None.

domain: sports


I hope there is a simple answer to what is, I hope, a simple question.
When incorporating a fan in a Telcordia reliability prediction (General / Rotating Device / Other) there are three "types" available under issue 3: Blower Assembly, Equipment Fan and Fan Assembly. Under Issue 2 there were only two choices: Blower and Fan.
As I think I understand it a "Blower" is a centrifugal / snail / radial fan whereas "Fan" is an axial / propeller fan. Is there a more formal definition and does it depend on motor size or rotor speed? Also what differentiates an "Equipment Fan" from a "Fan Assembly"?
1) Propeller or axial fans which are used when you have high flow rates and low pressure requirements.
a) Axial fans come in many configurations like tube axial, vane axial, orifice fans, panel fans to name a few.
b) They all have a propeller in them and use aerodynamic lift to create flow and pressure.
c) Peak Eficiency Specific speed range 1.5 to 8 with a specific diameter range 1 to 2.5
2) Mixedflow fans which are used when you have a medium flow rate and pressure requirement.
a) Mixed flow fans have a axial inlet and outlet
b) They use a centrifugal force impeller to generate flow and pressure.
c) Peak Efficiency Specific Speed range 1 to 5 with a specific diameter range 1 to 3.5
d) Mixflow fans are often the most efficient configurtion
3) Blower or Centrifugal fans are used when you have a low flow rate and a high pressure requirement.
a) Centrifugal fans come in three different blade configurations. Forward curved blades, backwardly inclined blades, and radial blades.
b) They all use centrifugal force to generate flow and pressure.
c) Peak Efficiency Specific Speed range 0.5 to 4 with a specific diameter range 1.5 to 9
The best way to determine which fan/blower is best suited to your application is to calaulate the Specific Speed and Specific Diameter. Using this approach will insure you have the most efficient air moving device.
Any good fan engineering handbook should have the formulas and a curve showing Specific speed and diameter.


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Victor Sanders led a second-half rally as the Vandals defeated the Broncos, 69-59, on Wednesday.
The Broncos overcame a slow start but fell on the road to the Wildcats Wednesday afternoon.
Santa Clara tops the WCC in all-academic recognition for the second straight season.
Two Broncos made the WCC All-Academic Team with five picking up honorable mention.
Sam Agosti and Valdemar Andersen were named to the conference All-Academic Team.
Santa Clara's 46 points in the third set are the most in a single set in NCAA Division I history during the 25-point rally-scoring era.
Allie is the first NLI signee announced by Bronco baseball.Load More


A reward of £1,000 has been offered to anyone with information about a buzzard which was found with horrific leg injuries.
The bird was found, alive, on 21st January 2015 on the Sledmere Estate in Yorkshire. One of its feet was missing, causing Humberside Police and the RSPB to suspect it was a victim of illegal trapping.
The leg damage was so severe the buzzard had to be euthanised.
Bob Elliot, RSPB’s Head of Investigations said: “Setting spring traps in the open is a criminal practice, which harms birds of prey in the most horrible way. These devices are the raptor equivalent of a land mine – deadly and indiscriminate. I would urge anyone with information about this incident to contact the police immediately“.
This bird was initially taken to Jean Thorpe’s Ryedale Rescue facility – we recently blogged about Jean’s work (here) and mentioned that she was fundraising to help support her efforts in this raptor persecution blackspot – you can still donate HERE.
RSPB press release here
ITV news article here


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Richard Stiff, Executive Director for Children’s Services
"You are North Lincolnshire’s first outstanding school. Ofsted judgements at that level are not easily won and are an enormous credit to you and every member of your team. Thank you for making a real difference to the lives of North Lincolnshire children."
Feedback from parental questionnaires showed that 100% of parents agreed that their children had enjoyed school, made educational progress, been motivated by the curriculum, standards of behaviour were good, staff were approachable and that parent meetings had kept them informed about their child’s progress.
"Bushfield is a lovely school and I am so pleased that all three of my children have had the best start to their education."
"All the Nursery staff are fantastic and do a brilliant job."
"The atmosphere is friendly and fun. Well done Nursery staff."
"The children all seem very settled and happy. Nursery staff are warm and friendly."
"Fantastic Nursery staff and such a happy and friendly place."
"The Nursery resources and displays look lovely and inviting. Really impressed with the activities."
"Staff and head teacher are very friendly and approachable. Very sad to be leaving this lovely school."
"A lovely little school I would highly recommend."
"My child has had a great time and is sorry to leave. Each of her teachers have known her well and developed her strengths."
"My child has loved his time at Bushfield. The school and amazing teachers have made his time here happy. We are sad he is leaving."
"Bushfield Infants has been absolutely fantastic during the 13 years our children have been attending. I personally cannot thank the teachers and staff enough for what they’ve done for myself and my family."


text:
Museum and Gallery news
Easter fun for all the family in Kettering
Easter Egg Hunt, LEGO, Craft Activities and FREE Parking!
Exhibition on Screen comes to the Alfred East Art Gallery
Screenings celebrate influential artists throughout history
Manor House Museum February Half Term Activities
Visit the museum for a week of folklore and fairy tale themed fun!

domain: artistic


text:
30 Jun / The Jordan Peterson Phenomenon
I spoke with several other attendees. They were people from all walks of life and all ethnicities, what seemed like a cross-section of America. I spoke to one young man who had brought his mother along with him. He said he had recently dropped out of college and wanted direction in his life, which Peterson had given him. Most of the people were carrying 12 Rules for Life. I spoke to a few other young men (late 20s) when I sat down and they said they loved his ideas. These young men were not “right-wingers,” one was a biochemist from Modesto and the other a financial planner from Sacramento, just ordinary people. I brought up Carl Jung and their eyes widened. Because of Peterson, they had gone out and bought Jungian literature and asked me to suggest a good introductory book on Jung’s ideas.
Jordan Peterson finally arrived. He looked the same in person as he did on Youtube and in his various television appearances. The audience listened to him and during his 90-minute talk, he never talked politics nor did he mention anything about gender neutral pronouns. Even my wife, a nice liberal girl from Portland, enjoyed his talk and found nothing he said controversial. What was most peculiar about his speech wasn’t what he said, but how elegantly and effortlessly he talked about “big ideas” that most people, regardless of politics or class, have a genuine interest in. Peterson expressed himself very clearly and intelligently during his talk, and I imagine that is one of the reasons he appeals to so many people, not just white males or adherents to the so-called alt-right. Regardless of whether one agrees with some of his political views, it’s difficult to deny that he has a knack of articulating ideas. He is very articulate and I imagine that is one of the reasons he is so attractive to people in general.
Moreover, although he did not explicitly say it, most of what he was saying was based on Jungian concepts, theories, and ideas (e.g., individuation, archetypes, complexes, the shadow, the self, typology, etc.). He mentioned Jung several times throughout his lecture and even cited alchemy. It seems to me that Jordan Peterson should give us all pause. Regardless of whether one agrees or disagrees with him, any reasonable person should be able to agree that his ability to articulate Jungian ideas has contributed to his ascent in the popular imagination. I looked around during the talk, and people were listening attentively to what he was saying with quasi-religious interest. It was very fascinating to watch. I am actually pleased that Peterson has attracted such attention. If nothing else, his popularity has helped foster a resurgence of interest in Carl Jung and his psychology, which I feel is long over due.


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domain: literature


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Apartments in the Lacona Gulf
consists of two buildings and is located in the center of this important naturalistic area of the Island of Elba.
We are located on the southern side of Elba, the location is ideal for those who love the sea but also for those who want to discover the island and every corner.
The beach of Lacona, one of the most beautiful on the island, is close to the Residence and from here you will have the possibility to move easily to discover other beaches and one of the islands that make up the Tuscan Archipelago National Park.
The residence is immersed in a green pine forest of tall maritime pines, characteristic of the area.


Diabetes is a chronic, and largely preventable, disease that can lead to cardiovascular disease, blindness, kidney failure, loss of limbs and loss of life. It causes suffering and hardship for the approximately 60 million people in the European Region currently living with the disease, while also straining the Region’s economies and health systems.
Prevalence of diabetes is increasing in the European Region, already reaching rates of 10-12% of the population in some Member States. This increase is strongly associated with increasing trends towards overweight and obesity, unhealthy diets, physical inactivity and socioeconomic disadvantage. These risk factors also contribute to the development of the other three noncommunicable diseases (NCDs) that have become international public health priorities (cardiovascular disease, chronic respiratory diseases and cancer), making it imperative that the prevention of diabetes be integrated into population approaches to prevent NCDs as a group.


The hierarchichal decomposition of the assembled systems is analogous of the primary, secondary, tertiary, and quaternary structure of proteins:
Assemblers place a part at a time:
A taxonomy of brick-types at each level of hierarchy:
From raw material building blocks to assembled assemblers:
We propose to first focus on the development of functional bricks from which mechanisms and robotic modules can be assembled. These bricks include functions such as hinge joints, actuation, conductivity, and structure.
There is a natural hierarchy enforced as blocks are assembled into higher-level parts, which then become blocks to assembler even higher-level functionality. Here, a piezoelectric block is a part of a large-displacement linear actuator mechanism, which is, in turn, part of a walking leg mechanism, which, in turn, is part of an assembler stage.
Through the arangement of the functional bricks, more complex mechanisms can be assembled. For example, illustrated here is a walking motor which moves the stage above it through the sequential firing a series of piezo actuator bricks.
These mechanisms can then be composed to form robots which are themselves capable of assembling the parts they are made out of.
Finally, through the development of robots with fine placement capabilities, we may begin to look at how the functional bricks themselves may be assembled from even more primitive single material building blocks.
Hexagonal Tiles are embedded with functions including rotary flexure, and linear actuation:
With these three primitives we can assemble a large stroke linear actuator with motion constrained by a linear flexure stage.
An assembler composed of four linear actuator blocks.
Assemblers are assembling an object from digital material building blocks.
Assemblers can also assemble themselves from a feedstock of linear actuator blocks. An external Z-axis is used to lower the newly assembled assembler to the substrate.


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Friendship Card: Treasured memories and precious things.
The times we'd giggle, hug and smile, or even just sit and talk awhile; the adventures we planned and the secrets we shared, the many ways you showed you cared... These treasured memories, precious things, have taught me the joy true friendship brings.
• Full color interior
• Colorful envelope included
• Printed on recycled paper using soy-based inks
• Made in the U.S.A.
Artist: Kathleen Francour
4 3/4" x 6 3/4"


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It’s true: most diagnoses of Autism Spectrum Disorder (ASD) are given to children. However, there are likely many adults who are on the autism spectrum but who do not have an official diagnosis. This may be because these adults were misdiagnosed as children or simply found ways to “get by.” Depending on how old you are, when you were younger, autism may have been a diagnosis only given to children who had little or no language abilities and who had severe disabling behaviors.
Perhaps you’ve done enough research to know that the diagnosis of ASD is now a broad one, which is given to individuals with a wide range of ability as well as disability. Nobel Prize winners, famous writers, actors, and musicians, as well as loads of everyday people with their own special talents, now openly declare they are “on the spectrum.”
If you feel you may be on the autism spectrum, and you are successful, have a good job or career, and are content and happy with your life, you may not feel compelled to get a diagnosis. On the other hand, if you are struggling to understand why you seem to be different from your friends and colleagues, and/or why you react differently to everyday things, you may be curious to know if ASD may help explain some of the difficulties you are experiencing. Additionally, you may hope that obtaining a diagnosis will help you get the support that you need to succeed at work or to find a social niche that feels right to you.
What are the Signs?
All individuals on the autism spectrum have two things in common, which get in the way of their every day lives:
- Difficulty with social communication
- Repetitive or stereotyped interests and/or behaviors
Below are some common indications of ASD in adults; however, just because you have one or even several of these symptoms does not mean that you would meet full criteria for ASD. The only way to know for sure is to be evaluated by a trained professional.
- Maybe you don’t get some jokes. You take the comedian’s language literally and don’t understand what the others find funny.
- Maybe you don’t like meeting new people and making “small talk.” A cocktail party is simply boring.
- Maybe crowded spaces make you feel like you cannot breathe. You would rather take the stairs than squeeze into a crowded elevator.
- Maybe loud noises or bright lights actually cause pain. You walk into the florescent lit conference room, and it actually hurts your head.
- Maybe you have a special interest that overwhelms and dominates your conversation and thoughts. Your colleague just can’t listen to your talk about outer space any longer and walks away when he sees you coming.
- Maybe you maintain a strict adherence to routines or rituals. If the train you take regularly is unexpectedly late, it is extremely upsetting and disturbing, so much so it ruins your day.
Every individual on the autism spectrum is different from every other individual on the spectrum. Maybe your particular set of symptoms, feelings, and behaviors will lead to a diagnosis – or maybe not.
If you are interested in pursuing a diagnosis, you may first consider trying a free, on-line self-assessment. Noted psychologist and autism researcher, Simon Baron-Cohen and his colleagues at Cambridge University developed the Autism-Spectrum Quotient for just this purpose. It is not a diagnostic tool, but it can help you decide if you are on the right track. You’ll find a link to it below.
Getting a Diagnosis
To pursue a definitive diagnosis of ASD, you will need to see an experienced clinician. It is important to note that not every clinician has the experience and the knowledge to evaluate adults who may be on the autism spectrum. Diagnosing adults is a relatively new area, so make sure to ask about experience diagnosing adults with ASD before you make an appointment for an evaluation. Additionally, many insurance companies do not cover the costs of evaluations for adults, and the charges can be in the thousands of dollars to complete a diagnostic protocol. Be sure to ask about charges and payment plans ahead of time.
Another option for those with access to autism research centers is to enroll in a research study for adults on the autism spectrum. By enrolling in research, you can contribute to the community, as well as save the costs of the evaluation. Be aware, however, that research studies usually don’t enroll all people who are interested in participating; there may be certain inclusionary or exclusionary factors, such as age, an existing diagnosis, or specific symptoms.
Before pursuing a diagnosis, it may be a good idea to consider finding a therapist who can help you talk through your feelings about obtaining a diagnosis. Look through the “Mental/Behavioral Health” section of the CAR Resource Directory™ to find someone who can help. If you decide you want to proceed, you can also find clinicians with experience making ASD diagnoses in the Resource Directory by searching for “Diagnosticians.” The same therapist may or may not be able to provide you with both services.
I Think I Have Asperger Syndrome. What’s That?
Asperger Syndrome used to be one of three named conditions that made up the broader category of ASD. (Pervasive Development Disorder Not Otherwise Specified and Autistic Disorder were the other two.) In May 2013, the American Psychiatric Association revised the manual which contains many diagnoses of adults and children (the Diagnostic and Statistical Manual of Mental Disorders) and combined these three diagnoses into one singular diagnosis of “Autism Spectrum Disorder” in the latest edition, the DSM-5. While there is no longer an “official” diagnosis of Asperger Syndrome, it is a term which many adults relate to still, and you may hear it used both in the autism community and perhaps even by some professionals.
Why Might I Want to Pursue an Official Diagnosis At My Age?
You may have heard that there are not nearly as many services and supports available to autistic adults as there are for children. This is true. Nonetheless, if you do end up getting a formal diagnosis of ASD, the diagnosis may help you to cope with those things in life you find difficult and may in and of itself provide you with peace of mind.
Another reason many adults seek out a diagnosis is that having one may qualify you for vocational training or, if you have a job, enable you to request accommodations at work to make life on the job a bit easier.
Maybe you are having a difficult time finding work: you have skills, but other things get in the way of allowing you to be successful. With a diagnosis, you may qualify for vocational programs that may help you to refine your interests, develop skills, or even find a job. Additionally, if you receive a diagnosis of ASD, and if you choose to share it with your employer, you may receive workplace accommodations, such as a preferred or reduced schedule or organizational supports, to help you on the job.
There are several articles within the CAR Autism Roadmap™ that discuss accommodations and other employment issues that may be relevant to your situation. Additionally, you can search for “Vocational-Employment” in the CAR Resource Directory™.
Having a diagnosis also makes you part of a larger community of autistic adult. Adults on the autism spectrum, particularly those who are not diagnosed until adulthood, often find that they have much in common. Even if you are not someone who typically joins or seeks out social groups, you may benefit from reaching out to other autistic adults. There are a number of organizations that offer support, resources, and connection to other adults who are on the autism spectrum. Three that you may want to investigate are listed in the “Additional Resources” section below. There are also other more localized groups listed in the CAR Resource Directory™. In the Directory, choose “Support Groups – Adults.”
- Signs of ASD in Older Children and Adults
- How to Choose a Clinician to Evaluate for ASD
- Elements of an Evaluation for Autism Spectrum Disorder
- Getting an Evaluation for Autism Spectrum Disorder
- Who is Able to Diagnose Autism Spectrum Disorder?
- Autism Spectrum Disorder Measures
- Diagnostic Criteria for Autism Spectrum Disorder in the DSM-5
- Diagnostic and Statistical Manual
- DSM-5 Impact on Services
- What to Expect from OVR
- Workplace Accommodations and Supports for Individuals with ASD
- To Tell or Not to Tell: Issues of Disclosure in the Workplace
- Finding a Job: Measuring Your Interests and Aptitude
- The Role of a Job Coach
- Building Experiences and Developing a Resume
- Preparing for a Job Interview
- Protections Against Employment Discrimination
- Time Management and Other Executive Functioning Issues in the Workplace

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Grand Mondial Casino Review Canada
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Wednesday, Sept. 19, 2012 | 12:15 a.m.
After six successful years in New York and two huge hit years in London, club owner Simon Hammerstein is bringing his unique brand of shock-and-awe vaudeville to Las Vegas with new theatrical nightclub “The Act.” His other clubs are known as “The Box,” but he believed the new name necessary to show that he’s going beyond what they’re already known for in the industry.
Simon happily admits that it has been headlined “Bacchanal in a Box” and that nobody in live global entertainment has pushed the envelope as far as he has. “The Act” will open at the Palazzo on Oct. 27 after dress rehearsals for family and friends start Oct. 24. It will run Wednesdays through Saturdays from 10 p.m. to 4 a.m. in its own third-level section above the atrium waterfall.
Simon has spent millions purchasing everything from a German cathedral to the old, shuttered Post Office in New York’s Grand Central terminal. When construction is completed at the end of this month, the decorators will install everything that’s in storage here.
He plans to fly in several of his most important and edgiest acts from the New York and London clubs for the initial 40 performers cast. Simon acknowledges that some audiences will be so shocked they will up and leave. “I welcome that because it means we’re doing what we wanted to,” he says.
“Call it an unholy wedding between theater and nightclub without human jukeboxes, plus cross dressing is optional. As a nightclub, we have the elements of a DJ and dancing, but as a theater we have the bizarre and never been seen before. Just come open-minded and nonjudgmental, and let it go from there.
Just how shocking, outrageous and dangerous is it? Check out this YouTube video from the New York club.
Imagine a striptease dancer doing her number in reverse by dressing with clothing plucked from various orifices of her body. Picture the work of art that extreme British artist Marc Quinn has been commissioned to place in the unique lobby entrance? (Warning: adult content.)
Marc made headlines at one exhibition with a sculpture of his head made with his own frozen blood drawn from his body over five months. Another exhibit was a frozen garden filled with plants held in cryogenic suspension. The large local art piece certain to create controversy will remain secret until Simon unveils it at the opening. I’ll get to the backstage warzone a little later, but stay tuned!
Vegas DeLuxe received an exclusive hard-hat tour, and I joined contributing photographer Tom Donohue, Simon and his managing director, Michael Myers, for the first advance peek. We entered through an ornate Victorian-looking circular lobby, and Simon fretted how he would fill the glass tanks.
“Snakes for the audience to feed? Piranha in a feeding frenzy? Whatever, it will be something deadly to set the mood right at the start,” he mused.
From that start, you’re confused entering an illusion to throw you off balance and appear lost and disoriented. You walk upward, but the muddled, molding trim rail goes downhill. Talk about feeling dazed, discombobulated and deranged from the get go. It’s a mish-mash, maze-like warren of conflicting colors and provocative patterns.
The first bar you reach appears in a second ante-chamber foyer that seems to float between the two floors of the club. There’s a total of 15,000 square feet over the two-level club, plus, the main stage and a second gyroscopic circular stage that will rise up in the face of the crowds.
As we stood on the stage, Simon explained: “We are not ‘The Box’ on steroids. But we’ve blown it up for our Las Vegas home entertaining 600 people, whereas the other clubs are for 200 each. It’s an evolution of putting the theater even more into the audience. We haven’t just broken the fourth wall; we’ve taken down the 6th wall.”
That warzone? There will be a glass walkway of a one-way mirror that lets audiences look in on the performers getting ready for the almost nonstop multiple shows through the night. Their green room behind the stage has another bar for customers in what he describes as “the warzone of a theater.”
Simon, who began orchestrating punk raves in London, added: “This is mayhem and chaos. When something wild happens onstage, the individual tables become like one in mad hysteria.”
Wondering about similarities, I asked if he’d seen “Absinthe” at Caesars Palace. He smiled and revealed that many of its performers were his earlier acts at “The Box.” “We’ve grown and advanced since then. Wait till you see what we have in store for Vegas. We aren’t a theater in a tent with one show a night. We are a nightclub with the ultimate in edgy entertainment all night long.”
We’ll post future reports at Vegas DeLuxe to chronicle the decorations and rehearsals at “The Act” in the weeks remaining to the Oct. 27 opening. As we left, he told me: “If you’ve never been to one of my clubs, you have never experienced anything like what will happen in this one.”
Robin Leach has been a journalist for more than 50 years and has spent the past decade giving readers the inside scoop on Las Vegas, the world’s premier platinum playground.
Follow Robin Leach on Twitter at Twitter.com/Robin_Leach.
Follow Vegas DeLuxe on Twitter at Twitter.com/vegasdeluxe.
Follow VDLX Editor Don Chareunsy on Twitter at Twitter.com/VDLXEditorDon.
With top accommodations, first-rate entertainment, high-end shopping and a slew of acclaimed chefs, the Palazzo has positioned itself as one of the most luxurious resorts on the Strip.
More than 3,000 all-suite rooms start at 740 square feet and are decorated in a modern, yet classic, Italian style. Each room features a sleeping area, with a king or two queens, and a sunken living room area with floor to ceiling windows.
A cathedral ceiling tops the Palazzo casino, while a second 80-foot dome brings natural light to the property's lobby. The 105,000 square foot casino features more than 2,000 slots and 80 table games but lacks the stale smell of cigarettes, as the property is LEED certified with smoking off limits in most of the Palazzo — including 50 percent of the casino floor.
Dining at the Palazzo is among the best of the Strip, starting with Wolfgang Puck's CUT. Chef Simon To serves up authentic Chinese cuisine at Zine, while Sushisamba combines Brazilian and Peruvian flavors with Japanese techniques. At LAVO, club-goers can dine on Mediterranean dishes before heading upstairs to the bath house-inspired nightclub.


Gov. Deval Patrick made two appointments to the University of Massachusetts board of trustees yesterday, ahead of today’s vote on a controversial plan to take over Southern New England Law School.
“They’re loading it with people to get favorable votes,” said UMass trustee Larry Doyle, an appointee of former Gov. Mitt Romney who opposes the law school merger. “It’s pretty unusual for these two people to be put on this committee one day before this vote.”
Patrick filled a seat that had been vacant since September with UMass Dartmouth grad Maria Furman, a retired managing director of Standish Mello Asset Management. He replaced Janet Pearl, a holdover whose term elapsed in September, with Umass Amherst alum Victor Woolridge of Babson Capital Management.
Patrick spokesman Kyle Sullivan denied that the appointments were politically motivated: “These seats were filled in the regular course of our appointments process.”
Patrick said he supports the plan to merge Southern New England School of Law with the University of Massachusetts at Dartmouth, pending a financial analysis. Critics argue it will drain state funds to get the school nationally accredited, while supporters said the plan wouldn’t use any taxpayer dollars.
Trustees in the University’s Committee on Academic and Student Affairs are expected to vote the 88-page proposal today. The plan, written by UMass Dartmouth Chancellor Jean F. MacCormack, argues that the law school would bring in $500,000 in tuition proceeds in its first year. UMass Dartmouth would have to spend $13.8 million to become accredited as a law school, the report states.
The trustees will meet again on Dec. 2 to review the new school’s finances and are expected to take a final vote Dec. 10. If they support the plan, it will go before the Board of Higher Education.
UMass President Jack Wilson announced his backing Friday. He sent an e-mail to the 19 voting trustees announcing Patrick’s new appointments yesterday afternoon.
“We are excited about these new appointments and have learned they will both attend the meeting . . . tomorrow as new members,” Wilson wrote.


International Competition for Young Composers "Horowitz"
Kiev Glier Music College
31 Tolstogo str
Telefon: 380 (44) 244 32 38
Telefax: 380 (44) 244 32 68
The first competition was held in 1995. The purposes of the Competition are: - to pay a tribute to the memory of the great pianist Vladimir Horowitz, who was one of the most brilliant musicians of the 20th century. - to overcome the lack of information in the area of professional performance culture - to create favourable conditions for supporting talented creative youth - to identify, assist and promote the development process of young performers - to develop cultural links between Ukraine and other countries - to promote Ukrainian and world classical piano music - to integrate Ukrainian performance traditions into the world-wide process of development of musical culture - to give teachers-pianists and gifted youth the opportunity to exchange experience at an international level, therefore contributing to the development of musical education and performance in future
Kovtukh, Lidia Participant director


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This eggnog without cream happens to be completely dairy-free, but you wouldn’t even know it.
Though I usually don’t care for the store versions, I cannot pass up a delicious glass of creamy eggnog once the holiday season rolls around. However, I married a lactose-intolerant so I’m always looking for dairy-free alternatives to my favourites so we can enjoy things together.
This eggnog recipe makes some plant-based swaps for the dairy products but it leaves absolutely nothing to be desired. It turns out frothy and creamy and is perfect for anyone in your life who can’t have dairy.
How to Make Dairy-Free Eggnog
For this recipe, I call for using almond milk in place of regular whole milk and canned (full-fat!) coconut milk in place of heavy cream. Use full-fat coconut milk – the recipe will not turn out well if you try to reduce the fat content. It’s the holidays – no better time than to be a little bit decadent!
I tested this recipe using almond milk and I was really happy with the results. Just make sure that it’s unsweetened as the final product could get a bit too sweet otherwise. Though I haven’t personally tested it, you can swap out the almond milk to any other unsweetened nut milk of your choice.
Combine both the almond milk and the coconut milk in a small saucepan. Don’t worry if the coconut milk is a bit separated – it will come together once it heats up.
To the milks, also add in a vanilla bean pod that you’ve split in two and scraped the seeds. If you don’t want to do this, add a bit of vanilla bean paste. In a pinch, you can also use vanilla extract, however, don’t add that until the very end, when you whisk in the nutmeg.
Set the pot over medium heat and cook, whisking occasionally, until the mixture just begins to simmer. Then, remove it from the heat.
Meanwhile, add your eggs and some demerara sugar to a large mixing bowl. I like using demerara sugar because I think it adds a complexity of flavour that you don’t get with plain white sugar.
Whisk the eggs and sugar vigorously for about 2 whole minutes. You want the mixture to be incredibly frothy and pale.
Once your milk mixture has heated, it’s time to temper the eggs. This is to prevent any curdling and to ensure you have a smooth and creamy eggnog once you’re through.
Whisking the eggs constantly, slowly stream in the hot milk mixture. Once all of the milk is mixed in, return it to the saucepan and set it over medium heat.
Ensuring that you are still whisking constantly to prevent scorching, heat the eggnog until it reaches 80-85°C (175-185°F) on an instant-read thermometer. Be very careful not to overheat this because, if you do, your mixture will break and become very grainy and not delicious.
As soon as your custard comes to temperature, transfer it to a large mixing bowl. If you want to be extra cautious, it’s a great idea to pour it through a fine mesh sieve to ensure there are no bits of curdled egg.
Then, top your eggnog with a bunch of freshly grated nutmeg (please don’t use pre-ground, it has very little flavour).
This is also when I like to add some brandy – you could use whisky or rum if you’d prefer – but you can also leave it alcohol-free.
All you need now is a bit of patience! Allow the eggnog to cool to room temperature on the countertop before refrigerating until it’s completely chilled – at least 1.5-2 hours. You can also keep it in the fridge for up to a week.
When it’s chilled, all you need to do is serve and enjoy! Have it as an aperitivo at a holiday party or alongside dessert – such as sticky toffee pudding!
- 750ml (3 cups) unsweetened almond milk
- 1 (400ml) can full-fat coconut milk
- 1 vanilla bean
- 6 eggs
- 2 egg yolks
- 100g (1/2 cup) demerara sugar
- 1/2 teaspoon nutmeg, freshly grated
- 120ml (1/2 cup) brandy (optional) (see note 1)
- Add the almond milk and coconut milk to a small saucepan along with a generous pinch of salt. Don't worry if the fat has separated from the liquid of the coconut milk - it will all come together when it heats up.
- Using a paring knife, split the vanilla bean open long ways. Using the back of the knife, run the knife along the split to scrape up the seeds. Add the seeds and bean pod to the saucepan.
- Set the saucepan over medium heat and, whisking frequently, gently bring the mixture up to a bare simmer. Remove from the heat once it comes to a simmer.
- While heating up the milk mixture, combine the eggs, egg yolks and sugar in a large mixing bowl. Whisk vigorously for 1-2 minutes, until the mixture is pale and very frothy.
- Once the milk mixture has come to a simmer, it's time to temper the egg mixture. Whisking the egg mixture constantly, very slowly stream in the hot milk mixture. Continue whisking until all of the milk has been incorporated. Return the custard to the saucepan.
- Place the saucepan over medium-low heat and, whisking constantly, slowly heat the custard until it reaches a temperature of 80-85°C (175-185°F) on an instant-read thermometer. Do not exceed this temperature as anything higher can cause the custard to break. (see note 2)
- Remove the custard from the heat and pour through a fine mesh sieve set over a large mixing bowl. Whisk in the nutmeg and the brandy, if using. Allow to cool to room temperature on the countertop before moving to the refrigerator and allowing to chill thoroughly, around 2 hours, before serving (see note 3)
- If you don't have/don't like brandy, feel free to use whiskey or light rum in its place. The eggnog is also delicious when alcohol-free.
- If you don't have a thermometer, remove the custard from the stovetop when it is very steamy but has yet to come to a boil.
- You can make the eggnog a few days in advance to serving. It will keep, stored in an airtight container, for up to a week.
Nutrition Information:Yield: 10 Serving Size: 1
Amount Per Serving: Calories: 182Total Fat: 13gSaturated Fat: 9gTrans Fat: 0gUnsaturated Fat: 3gCholesterol: 148mgSodium: 108mgCarbohydrates: 12gFiber: 0gSugar: 10gProtein: 6g
Nutritional information is automatically generated and provided as guidance only. Accuracy is not guaranteed.
And that’s how you make an incredible eggnog without heavy cream! This recipe is super simple and it tastes just as good as all of the dairy-loaded nogs I’ve sampled.
Are you looking for a dairy-free eggnog? Have any questions about this recipe? Let me know in the comments!

domain: food


Caterpillar 966F/966F Series II Wheel Loader
The 966F has a 3306 direct injection turbo, six-cylinder engine producing 220 flywheel horsepower (FWHP). It has a three speeds forward, three reverse transmission. It comes standard with a computer monitoring system, inboard mounted final drives, enclosed/adjustment-free brakes, a multi-row module radiator, limited slip differential, ride control system, increased bucket capacity, and a modified cab seat to improve operator comfort.
The 966F was manufactured in the USA, with a 4YG prefix; in Japan, with an 8BG prefix; and in Belgium, with a 3XJ prefix.
Production of 4YG and 3XJ ended in 1993.
The Caterpillar 966F Series II wheel loader was introduced in 1993 in the USA, Japan, and Belgium. At this time Caterpillar updated the Japanese 8BG unit, beginning with 8BG02048, and began to produce new units in the USA, with a 1SL prefix, and Belgium, with a 9YJ prefix.
With Series II Cat added a number of features, including a larger, more modern operator compartment, lower sound levels, implement efforts, electric shift with autoshift, lower cab height, modified access/egress, and a new marking system.
Later in 1993 Caterpillar added full hydraulic brakes, optional ether starting aid and air suspension seat, moved the operator horn control from the floor to the steering wheel, and replaced CSC-based R12 in the air conditioner with R134A refrigerant, beginning with 1SL00507, 8BG02191, and 9YJ01082.
In 1995 Cat added a modular monitoring system with electronic analog gauges, noise-reduced engine mounts, silicon-bonded windshields, and modified transmission access, beginning with 1SL01344.
Production ended in the USA and Belgium in 1998 and Japan in 1999.
The Caterpillar 966F II was replaced by the Caterpillar 966G.
Based on data from the sales database of Ritchie Bros. Auctioneers, it is estimated that more than 16,300 Caterpillar 966F and 966F Series II wheel loaders have been produced.
|Total = 16,343|