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One question: Is there anything better than a BLT on a hot summer day?One answer: No, but let's take it up to a whole new level!
2 leaves lettuce, washed and patted dry
2 slices bread, toasted
3 strips bacon
3 Tbsp mayonnaise
1 Tbsp extra-virgin olive oil
1 Tbsp brown sugar
12 leaves basil, thinly sliced
6 leaves sage, thinly sliced
salt and pepper
This vegan taco salad is made with a delicious mushroom meat and topped with a creamy avocado, yogurt lime dressing. It's packed with freshness and flavor and is ridiculously healthy and easy to make. Gluten free and dairy free. Healthy vegan dinner ideas.
BLT Dip is a quick and easy cold dip recipe flavored with your favorite BLT toppings. It's the perfect party appetizer for your summer parties. It has layers of bacon, lettuce, cheese, tomatoes and is topped with diced green onions. What will you dip into this delicious BLT Dip?
1/2 cup mayonnaise
1/4 cup grated Parmesan cheese
1 cup chopped lettuce
8 bacon strips
5 plum tomatoes
1/4 cup minced green onions
1 1/2 cup shredded Colby Jack Cheese
- In a medium sized bowl, beat together cream cheese, mayonnaise, and Parmesan until blended. Spread in shallow baking dish and pie plate.
- Layer lettuce, bacon, tomatoes, cheese and onions on top ...
See the full directions on my site
Delicious, easy vegan stuffed pepper mushroom and black bean tacos. Hearty, healthy and full of fiber and nutrients. Gluten free, low carb, whole foods, high protein, healthy vegan tacos. Perfect for a weeknight or Friday night dinner.


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In an increasingly competitive environment for financial advisors, from the rise of robo-advisors and Vanguard Personal Advisor Services, there are more pressures than ever on us to justify our cost to clients. Leading many financial advisors to question whether it's time to cut AUM fees - or even abandon the AUM model altogether.
In this week’s #OfficeHours with @MichaelKitces, my Tuesday 1PM EST broadcast via Periscope, I look at when and whether it ever makes sense to cut AUM fees in an effort to grow the business and bring in more clients.
Clearly, for advisors who are far more expensive than their competition, cutting fees to at least be "reasonably competitive" may be inevitable. But for those whose AUM fees are already reasonable, beware the strategy of trying to attract clients by being the lowest cost financial advisor. Because ultimately, that may attract the most cost-conscious and price-sensitive clients - who may come to you for being the lowest cost, but will just as quickly leave you for another advisors who is just a basis point or few lower... because that's the behavior of clients who seek out the lowest cost solutions!
More generally, though, the real challenge of trying to compete by being the lowest cost provider is that it sets the focus to competing on price, instead of competing on value instead. In fact, for financial advisors who find their prospective clients challenge their pricing, usually the biggest issue is not their pricing at all - it's a lack of differentiation, and the perception from clients that your services are no different than any other financial advisor... which means price is the only comparison left.
In other words, most "price" conversation are actually value and differentiation (or lack thereof) conversations. Which means the real solution is not to adjust your prices - or change your entire business model (e.g., from AUM fees to retainer fees) - but instead to try to improve your differentiation by focusing on a niche or specialization, such that clients will focus on your unique value instead of comparing you to others on price alone! Because for advisors who are truly differentiated with a unique value, clients don't often ask very many questions about price and cost in the first place - because there's nothing to compare you to anyway!
(Michael’s Note: The video below was recorded using Periscope, and announced via Twitter. If you want to participate in the next #OfficeHours live, please download the Periscope app on your mobile device, and follow @MichaelKitces on Twitter, so you get the announcement when the broadcast is starting, at/around 1PM EST every Tuesday! You can also submit your question in advance through our Contact page!)
#OfficeHours with @MichaelKitces Video Transcript
Welcome, everyone! Welcome to Office Hours with Michael Kitces!
Today, I want to talk about something that I see as a dangerous trend emerging among a subset of advisory firms. It's the proactive decision by many advisors to try to compete against other advisors by being the lowest cost financial advisor.
I was reminded of this issue with a recent question that came in from an advisor, Megan, who asked:
"I charge a 1% AUM fee, which is pretty similar to most other advisors in my area, but I'm finding it a lot harder these days to bring in new clients. Everyone wants to know what I'm going to give them that other advisors won't. So I'm thinking about cutting my AUM fee to 0.9%, so that I'm under that 1% line, to make it easier for the cost-conscious clients. But I'm worried that if I do, I'll just cut my income from current clients, and still not grow. I'm curious what you think? Does it make sense to cut AUM fees to try to get growth going again?"
Great question, Megan. With all the discussion these days around fee compression for financial advisors, I'm hearing this question come up more often. Especially given the evidence that advisor growth rates are slowing a little. There's a lot of discussion about whether the infamous 1% AUM fee may not be as competitive anymore.
In essence, I think we're having a collective crisis of confidence in the AUM fee structure!
A Lack Of Differentiation Leads To Price-Sensitive Prospects? [Time - 1:48]
But in reality, Megan's question actually stems from a more fundamental issue: Is the problem really that AUM fees are broken (or that a 1% AUM fee isn't competitive anymore), or is the real problem that most advisors aren't differentiated enough to compete in any way but price?
Because when a conversation with a prospective client starts focusing that much on price comparisons, and whether you're 5- or 10-basis points cheaper than the next advisor up the street, what that really says to me is that the prospect views us as so commoditized and undifferentiated that you could literally just swap one adviser for another! And the only distinction would be how much each one costs, down to the last few basis points.
If you're getting this message from a prospect, what it basically says is:
"I can buy financial advice from anyone and get the same result, so I'm just going to buy it from whoever gives it to me for the lowest cost. What are you going to do for me?"
That's how we buy interchangeable commodities. But that should not be how we're selling financial planning services! If it is, then the real problem is not actually a cost problem. The real problem is a differentiation problem!
In other words, if you do generalist financial planning the same way that everyone else does, and for the same generalized clients, of course clients are going to price shop you! Because that's the only thing they have left to compare, if you're a generalist advisor like every other generalist advisor!
That doesn't mean, though, that the only conclusion is that you have to lower your prices to stay competitive, because the alternative is that you improve your differentiation.
This is why I pound the table so hard all the time around niches and specialization. I know a few of you are sick of hearing me talk about it, but I'm going to continue to beat this drum. Because the adverse consequences of not having a niche or specialization is what we're seeing play out live in real-time! All of this discussion around price competition is, to me, not a price competition discussion. It's a lack of differentiation discussion. That's what's really going on!
Think about it for a moment. If I'm an expert in working with divorcees, and I'm sitting down with a prospective client who's stressed about rebuilding her financial life after a divorce, this is not going to be a price conversation anymore. I'm not going to get compared as a leading expert in post-divorce planning to every other generalist financial advisor up the street who doesn't necessarily have that expertise. I'm going to get compared based on the fact that I have a specialization in the exact problem this client has, and no one else has that expertise. Which means, now, I'm getting compared on my unique value, not my price.
And this works similarly with any kind of niche or specialization. If I focus on retirees from the local big company and I know everything there is to know about their employee benefits, retiree health plan, 401(k) rollover rules, net unrealized appreciation considerations, and pension rollouts – then I'm going to win the majority of the prospects that I meet from that company. And it's not going to be about whether I'm cheaper than any other advisor that can help them – it's going to be driven by the perception that I'm a specialist in their problems and other advisors are not. The whole point of differentiating with niches and specialization (or just more generally differentiating on value), is that it gets you out of this trap of differentiating on cost and trying to be the cheapest!
Competing On Cost Attracts The Most Cost-Conscious Clients [Time - 5:17]
The second problem that arises when you go down the road of trying to cut your fees and differentiate on cost alone is that it's a double-edged sword. I've seen a couple of advisors do this, and then regret it years later.
Because here's the problem that occurs when you compete by being the lowest cost advisor (effectively acting like financial advice is just a commodity): you're going to attract price-sensitive, cost-conscious clients who respond to that kind of messaging and marketing. These are clients who don't actually care about you, or the value you provide, because you've already made yourself an undifferentiated commodity that competes on price. They're just going to buy you based on price.
And what that means is that as soon as someone else reaches them with a slightly lower cost solution, you're going to lose the client. And I think that's a real risk in a world where we have other platforms like Vanguard Personal Advisor Services providing an advisor for a mere 30 basis points (0.3%) and a $50,000 minimum.
In other words, if you want to really be a lowest cost financial advisor, you have to sustainably remain the lowest cost provider. Realistically, that's tough for most of us. We don't have $100 million dollars of venture capital like a robo-advisor. We don't have $3 trillion of scale like Vanguard.
Which means that trying to compete to be the lowest cost advisor against companies that have more capital, more depth, and more scale, is going to be a losing proposition for almost all of us. You're going to end up attracting clients that find low costs appealing, but are going to bounce to the next person that just gives them a slightly lower cost – and then you have to keep cutting your prices just to compete.
The end result: you're not going to end up being the lowest cost advisor. You're going to end up being the worst paid advisor, who has to cut fees to unprofitable levels just to keep those price-sensitive cost-conscious clients. Because trying to be the lowest cost advisor is a slippery slope that never ends!
Are You Differentiating On Price Structure, Or Unique Value? [Time - 7:14]
Notwithstanding the horrible slippery slope of trying to be the lowest cost provider, I'm seeing advisors try to make it happen frequently these days. In some cases, the advisor is cutting their AUM fees to compete on price. But the more recent trend has been advisors that are looking to switch to retainer fees in an effort to basically change the way they charge and price their services, and make that their differentiator. It's basically saying to prospective clients:
"Well, sure, I provide financial planning like others, but I do retainer fees and the other people do AUM fees. And retainer fees are better for you in the long run because..."
This is another dangerous strategy.
I'm not really here to bash retainer fees. But be cognizant of why you're doing it. As many of you know, for our XY Planning Network, we champion monthly retainer fees. We actually just built a new fintech solution called AdvicePay just to help advisors do retainer fee billing. But the point of XYPN isn't to differentiate on retainer fees. It was to create a business model that could work for Gen X and Gen Y clients who don't have a portfolio and can't be served by AUM fees at all. In other words, it's not about doing retainer fees to differentiate; it's about adopting a retainer fee business model to reach clients the AUM model can't serve.
In fact, even within XYPN, I constantly pound the table that every advisor still needs a niche or a specialization. Even for doing monthly retainer billing! Because, at the end of the day, you don't want to compete on price, you want to compete on differentiated value! Otherwise, you're going to differentiate by being an advisor that charges $150 bucks a month, and you're going to lose to the next advisor who charges $125. And that person's going to lose to the next one that charges $110. Because that what happens when you try to sell yourself as the lowest cost provider. You're just waiting for another person who's slightly cheaper to come in and try to undercut you and take away your clients!
The fundamental point here is simply that it's a bad strategy to use retainer fees to compete against AUM as a differentiator. Because that's trying to differentiate on price. Instead, use retainer fees because you're opening up new markets that can't be served any other way. And then you still need an niche or a specialization that's relevant for those clients!
Before Your Change Your Pricing, Take A Hard Look At Your Business! [Time - 9:44]
So for Megan, and any other advisors out there who are feeling these competitive pressures on AUM fees these days, I want to encourage you to take a hard look at your business first.
Now, it might be that you actually do have a pricing problem. If most advisors in the area are charging 1.0% and your fee schedule starts at 1.7%, then that might legitimately be a pricing problem. But for many advisors out there, when I hear them talk about their fees and I ask, "What do other advisors in your area charge?" The answer is often, "They're all pretty similar."
If that's the case, recognize that what you really have is not a pricing problem. It's a differentiation problem. It's a lack-of-perceived-value problem. Because the truth is that when people perceive value, there's a subset of people who will buy it, almost regardless of what your actual price is!
For instance, both Wal-Mart and Tiffany's are good value for what they provide. Even though their price points are ludicrously far apart. People buy Kias and they buy BMWs – drastically different price points for what are both capable of fulfilling a basic transportation need – but people have different perceptions of value, and will pay at different price points.
In other words, you don't have to be the lowest cost to get clients. You just have to be a reasonable cost for the value that you provide, and that value is relative to cost. Assuming you can differentiate your value.
We see a version of this happening already in the latest advisor benchmarking studies. If you actually look at what's happening in our financial advisor world, what we see is AUM fees have actually remained stubbornly stable, despite the emergence of robo-advisors. In fact, at some price points, particularly for multimillion-dollar clients, the median advisor AUM fee has actually gone up in the past seven years (bucking the robo trend altogether!)!
But while advisory firms are actually raising fees more often than lowering fees, their profit margins are declining. They're charging more, but they're taking home less. And the gap in the middle is reinvesting to provide more value to clients to justify the fee.
And so the pressure really is on for all of us – I feel this in our advisory firm as well – to demonstrate the value that we're providing for clients, and differentiate ourselves from the competition. The forces out there are real, and I don't want to betittle their significance.
But be very careful when you look at your business. Take a hard look and decide: is the challenge you face really a price problem, or is it really a value and differentiation problem?
Because, if it's really a cost issue and you have to lower costs to stay competitive, that's one thing. But if you're going to keep lowering costs to be the lowest cost advisor, be aware (and beware!) that you're going to attract cost-conscious clients, who may not stick with you in the long run. But if what you're really shooting for is a better value business, you can attract clients that appreciate the value regardless of the actual price, as long as it's reasonable relative to the value.
So recognize what you're going for. Which client you really want to work with? Do you want to work with cost-conscious clients by being the lowest cost provider, or do you want to work with clients who value the service you provide?
The bottom line is this: recognize that sometimes pricing problems are not actually pricing problems. They can be, but in a lot of the consulting work I do with advisors, I find most often it's not actually a price problem. It's a differentiation issue. It's a value issue.
Value issues matter and are still something to work on in your business, but the solution is not figuring out, "How do I drop my AUM fees or switch to retainers or do something else to differentiate on price?" It's, "How do I get more focused and pursue a niche or a specialization? How do I add value-added services that are unique to the clients that I serve, so that I can complete on value and differentiation, and not price?"
So I hope that's helpful as some food for thought around the pricing landscape for financial advisors, and why I think you really have to be careful about trying to be the lowest cost financial advisor out there in your market.
This is Office Hours with Michael Kitces, 1 p.m. East Coast time on Tuesdays. Hope this has been helpful. And have a great day, everyone. Take care!
So what do you think? Are you finding clients are more cost-conscious than they used to be? Or are you struggling to differentiate your services and relying on price as a differentiator instead? Have you cut your fees recently? Or raised them? Please share your thoughts in the comments below!

domain: economics


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Austrians know how to have a good time and their breweries are world-renowned.
But there’s more to Salzburg’s food and drink scene than just beer and schnitzel.
Sure, you could easily plan a trip to Salzburg based around sampling different beer and have an excellent time, but there’s also some stunning cuisine and top class wine to be found (not to mention the odd cheeky cocktail).
So, if you’re getting ready to visit this lovely city with its stunning views of the Alps and beautiful Baroque buildings but need some ideas on where to eat and drink look no further.
Here’s 14 incredible bars and restaurants that justify a trip to Salzburg now.
1. Ludwig Burger
Make room for burgers, fries and shakes on another level.
This Austrian hipster-style burger bar serves up eats that will be the envy of all your Instagram followers.
Pick from a range of quality patties topped with everything from pumpkin or fig to a multitude of cheese and bacon. Vegans and veggies are catered for too.
2. The Green Garden
This one’s a cool, young vegan restaurant.
Here you can pick up a takeaway at lunch or choose from their a la carte menu in the evening.
Their specialities are a vegan burger with wedges and dip to make you drool, vegan tortellini, and gnocchi with tomato and rocket.
3. Carpe Diem Finest Fingerfood
This is one of the trendy new(er) kids on the block.
Carpe Diem Finest Fingerfood is a bright delight that lives up to the hype.
Think The Fat Duck but considerably cheaper and with more Sound Of Music links.
4. St Peter Stiftskeller – das restaurant
This is one to see and be seen at, and is an amazing mix of fine food and history.
St Peter Stiftskeller claims to be the oldest restaurant in Central Europe, dating back to 803.
On the menu you’ll find fine food such as champagne risotto and suckling pig.
A beautiful alpine hut directly in the city over the rooftops of Salzburg.
Here you can take in the fantastic view of the old town while enjoying breakfast, coffee and cakes or dinner.
This restaurant specialises in typical Austrian cuisine and regional treats.
6. S’Kloane Brauhaus
Austrian food doesn’t get more authentic than this – from classic schnitzel and indulgent cheese boards to the two beers which are brewed in house, this is another unmissable stop on your Salzburg culinary adventure.
7. Das Restaurant Wasserfall
In the mood for some Italian? You can’t do better than this Mediterranean gem, hidden away in Linzer Gasse.
As well as superior pasta and risotto you’ll find delicious fish dishes such as sea bass and monkfish in prosciutto.
It serves cocktails as well as a select choice of Austrian wines.
8. Blaue Gans Restaurant
This hotel and restaurant serves up simple dishes that are practically artworks, alongside fine wine.
Austrian cuisine with a twist is on the menu at this popular eatery in Getreidegasse.
They turned the oldest inn of Salzburg into the city’s first boutique hotel and gourmet restaurant.
It has become an unusual and vibrant place in Salzburg’s best location in the museum and art Scene district, opposite of the Festival Hall with its famous horse pond, and on the main shopping street Getreidegasse with Mozart’s Birthplace being just a few blocks away.
This is another great place to try traditional Austrian fayre.
As well as the obligatory schnitzel there’s also green salad with roasted veal, fish soup with garlic bread, roast pork belly and then cheese dumplings or crepes for dessert.
Triangel is the place to be during the famous Salzburg festival. International stars have been spotted here.
10. Augustiner Bräu – Kloster Mülln
This is a monks’ brewery, which has been brewing its beer in the same style since 1621 – in line with the purity law of 1516.
As Austria’s largest beer inn this is clearly a must on your travels.
It has a lovely beer garden where you can enjoy massive stone mugs of booze straight from the barrel.
11. Humboldt Stub’n
Pop in here for a simple lunch or dinner – or a round of drinks after your sight-seeing.
It’s a busy, young, upbeat place with quality beer and traditional Austrian grub.
It’s also a nice place to hang out before you have a night out.
This popular place is four things in one – a cafe and restaurant by day then a bar and club at night.
On the menu you’ll find Mediterranean-Asian-American fusion.
In the evening, at the weekend the decks are manned by national and international DJs, during the week there’s 80s and 90s hits and there’s also weekend brunches with music.
This sweet little wine bar and cafe, which caters for vegans and veggies, serves up some excellent vino.
You can also pop in for a spot of breakfast.
Plus you can enjoy all that inside or out on their beautiful terrace.
14. Ikarus at Redbull Hangar 7
Located at the private airplane and race car collection of Red Bull, this is considered by some to be one of the best restaurants in Europe.
Here you can enjoy beautiful, gourmet dishes such as trout with sauerkraut, anise and watercress, foie gras with yeast barberry vinaigrette and magnolia pepper and wagyu beef tataki with edamame, shitake and daikon.
How to get there
British Airways flies direct from London Gatwick to Salzburg from £39 each way* return, available from Nov 16 with departures also available from Heathrow.
Get inspired at Salzburg Tourism
Gather more incredible views on www.instagram/visitsalzburg
*T&C’s: Limited availability. Prices are available each way based on a return ‘Basic’ Euro Traveller (economy) fare, from London Gatwick only, and include taxes, fees and charges. Correct as of 27/09/16 but are subject to change at any time. Departing from London Gatwick to Salzburg on select dates between 03/11/16 – 04/12/16.

domain: food


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Click Member link to see site in tvNew Jersey Bloggers + ADD YOUR SITE (7 members)
If you reside in the Garden State and maintain a weblog or an on-line diary/journal, you are cordially invited to join this community of distinctively Jersey bloggers.Vested Title News
News regarding real estate throughout New Jersey.The Big Geek Blog Top of the World Knits
I have lived in NJ for the last three years. My hope in creating this blog is to provide an outlet to showcase my projects and also to share my thoughts, ideas, and inspirations for my crafts.
Conformity is Insanity
Anything that I find interesting, my passion - photography, my friends, family, work, anything that freaks me out...2 Witches Blog - a Pagan Look at Family Life
Mama Kelly and Lady Rose have been friends for over 20 years, and have a combined 50+ years of experience in wicca and tarot. They have participated in ritual together many times and Lady Rose is the ...New Jersey Memories
I love New Jersey! I have lived in New Jersey all my life. I was born in Summit, and have lived in Chatham, Florham Park, East Hanover, and Montclair. New Jersey is a truly misunderstood state. It has ...Just Jennifer
One more blog of a 20 something married and babied chick from New Jersey. I enjoy long walks on the beach (that never happen anyway), reading books, watching slasher movies, reading/watching kawaii anime ...

domain: geography


text:
75 km, 14.8 km/hour, 1596 km total
The stats look like our day was a shorter one, only 75 km covered, but, in fact it was a long hard day. Other than about four kilometers at the start of the trip, in Riviere du Loup, our day was spent on a stone dust covered rail trail and it rained all day. We never saw another cyclist, although we followed the tracks of one other person, the trail was deserted.
We decided to take the rail trail rather than the shorter highway route, because it didn’t have any big hills. The official description of the trail promises no more than a four percent grade. The few times we got close to the highway we saw the big trucks struggling up hills in passing lanes, pulling a cloud of wet behind them. The thing about no big hills is that you do have to get to the top somehow. We climbed for thirty five kilometers, no more than four percent, but almost a constant climb on wet stone dust that made it feel like we were riding on flat tires.
We were safer. No one on the highway would be expecting to see cyclists out today. We were often a little less exposed, protected from the wind and the wet by the trees and rocks pushing up to the edge of the old railway bed.
Twice we had to lift the bike and trailer over fallen trees and in more than one place we rode through water running over the trail. In some places the trail had been washed out.
We’ve had an adventure which will continue as we get on the trail again to Edmunston tomorrow.
For tonight, we are in a classy little hotel in a touristy village, warm, well fed, and sleepy.


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These detail crafted lanterns hanging from their wire table stands, create an delightful effect Easily brighten up any special occasion or home décor by incorporating this metal lantern into your design. Add an LED or wax tealight to make it a versatile décor piece.
– Includes: two black detailed design with star and swirl cut outs and two black wire stands for hanging, allowing the light to flicker and glow
– Lantern on stand size: 4.5″ x 4″ x 7.75″
– Light source not included: use a wax tealight in tin or an LED battery powered light
– Can be used on a tabletop without the wire stand
These two black lanterns with detailed star and swirl cut outs, allowing the light to flicker and glow and two black wire table stands for hanging. The delightful design and small size of these lanterns make them ideal for most occasions and everyday home decor. Light source is not included. The lantern accepts the size of traditional tealights. To add a tealight candle or LED, simply unscrew bottom plate, add candle and reinsert. The lanterns can be used without the table stand. Add your own touch with ribbon on the hanging hook.
– Add these lanterns to any darken area to add a reflective glow
– Display on a mantel, windowsill, deck rail or table setting
– A perfect decorative addition for weddings, holiday parties, Thanksgiving, Halloween, family reunions, fund raising events, girls night out, dinner party, new years eve and everyday decor
– Tie a ribbon around the hanging hook for color for personal touch

domain: artistic


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Tom And Jerry School Adventure
You are in :Tom & Jerry 2013 Games
Use space bar to interact with all kinds of objects. You can turn the switches on and off, jump off the swinging lamp, activate a lever and do similar things. Any interaction with any object is triggered with the space bar, unless you're pushing things. In that case you just need to stand right in front of the object, say a ball, and just keep on going - the object will start moving. Why would you want to rearrange things anyways? The answer is that sometimes the only way to get to a higher platform is to use some wooden box or a ball or block as a jumping platform, because Jerry (or Kim) is small and makes small jumps so he needs an improvised springboard. The green plant leaves are especially good jumping platform.
What is your mission in Tom & Jerry School Adventure?
Well we can't be quite sure about that. According to the game's help they blather there something about Jerry going back to the past to prevent some villains from destroying his spirit. I mean, why they couldn't just tell us to go around the room, jumping on and off and collect cheese to gain points. It would be better to give no game-play at all than this! The second thing strange about the gameplay is the main character's name. I thought that it was Jerry in question, but no - his name is Kim.
How to play Tom & Jerry School Adventure?
Your task is to move from one room to another. In order to get around an obstacle, for example a big pile of wooden cubes with letters drawn on and other children toys, you must climb up and jump from one shelf to another, until you reach the next room. You must hurry up since the cheese will start blinking and disappearing right inf front of your eyes, just few seconds after you entered the room. Collecting cheese is important for increasing the total score and that's what this game is basically all about. The fact that you need to move objects and solve mini puzzles to move around the room, this game has some elements of physics puzzler game, what makes it particularly suitable for kids.
You got 3 lives in the game. Each round lasts for 2 minutes. Once the time runs out, you loose one life. Whatever you do, do not wake up Tom. Once you touch him, he wakes up and you loose one life. Loose all three lives and the game is over.

domain: game


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Anyone interested in Dream Global Real Estate Investment Trust (TSE:DRG.UN) should probably be aware that a company insider, Duncan Newton Jackman, recently divested CA$454k worth of shares in the company, at an average price of CA$16.59 each. In particular, we note that the sale equated to a 100% reduction in their position size, which doesn't exactly instill confidence.
Dream Global Real Estate Investment Trust Insider Transactions Over The Last Year
Notably, that recent sale by Duncan Newton Jackman is the biggest insider sale of Dream Global Real Estate Investment Trust shares that we've seen in the last year. That means that an insider was selling shares at below the current price (CA$16.64). As a general rule we consider it to be discouraging when insiders are selling below the current price, because it suggests they were happy with a lower valuation. While insider selling is not a positive sign, we can't be sure if it does mean insiders think the shares are fully valued, so it's only a weak sign. We note that the biggest single sale was 100% of Duncan Newton Jackman's holding.
The chart below shows insider transactions (by individuals) over the last year. If you click on the chart, you can see all the individual transactions, including the share price, individual, and the date!
If you like to buy stocks that insiders are buying, rather than selling, then you might just love this free list of companies. (Hint: insiders have been buying them).
Insider Ownership of Dream Global Real Estate Investment Trust
Looking at the total insider shareholdings in a company can help to inform your view of whether they are well aligned with common shareholders. We usually like to see fairly high levels of insider ownership. Insiders own 0.5% of Dream Global Real Estate Investment Trust shares, worth about CA$15m. While this is a strong but not outstanding level of insider ownership, it's enough to indicate some alignment between management and smaller shareholders.
So What Does This Data Suggest About Dream Global Real Estate Investment Trust Insiders?
An insider hasn't bought Dream Global Real Estate Investment Trust stock in the last three months, but there was some selling. And there weren't any purchases to give us comfort, over the last year. On the plus side, Dream Global Real Estate Investment Trust makes money, and is growing profits. Insider ownership isn't particularly high, so this analysis makes us cautious about the company. We'd think twice before buying! If you are like me, you may want to think about whether this company will grow or shrink. Luckily, you can check this free report showing analyst forecasts for its future.
Of course Dream Global Real Estate Investment Trust may not be the best stock to buy. So you may wish to see this free collection of high quality companies.
For the purposes of this article, insiders are those individuals who report their transactions to the relevant regulatory body. We currently account for open market transactions and private dispositions, but not derivative transactions.
We aim to bring you long-term focused research analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material.
If you spot an error that warrants correction, please contact the editor at firstname.lastname@example.org. This article by Simply Wall St is general in nature. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Simply Wall St has no position in the stocks mentioned. Thank you for reading.

domain: finance


Omron M1 Semi Automatic Blood Pressure Monitor:
An innovative medical equipment for health monitoring, therapy and disease prevention. This semi-automatic blood pressure monitor by Omron provides accurate readings using the Oscillometric method. Cuff fits arm circumference 22 – 32 cm.
- 14 Memories
- Pulse rate detection
- Hypertension Indicator
- Three-fold Displays
- Clinically Validated
How to use:
- Please read the instruction manual enclosed carefully before use.


text:
Atom8 – WAC12
WAC12 offers an edible defensive barrier against bacterial and fungicide contamination and loss of moisture from the surface of food products, thus extending their shelf life. With limited increase in the concentration of chitosan derivative coating and lemon essential oils the beneficial effect of the matrix on postharvest life and quality of the food is enhanced. Atom8, FC is a biodegradable biocompatible polymer derived from natural renewable resources with numerous applications in various fields, and one of which is the area of edible films and coatings.
As an edible coating material Atom8, FC has been reported that it may extending the postharvest life of many crops while reducing moisture loss, respiration, ethylene production, ripening, softening, controlling the decay, and maintaining fruit quality, along with storability.
Packaging: 1 – 25 liter containers as a concentrate 1:10
Mixing: Mix concentrate well 1:10 in water pH 6!!
Please ensure water pH is 6!!

domain: agronomy


text:
It's rare when I have nothing to say. My job as a pastor requires me to write well over 3,000 words a week. I have written The Anime Review for over a decade now, often creating sprawling articles that say more than necessary about shows that aren't worth the effort. Sure, every now and then I suffer writer's block, but I push through and finish the article or sermon anyway. (The only times I miss deadlines are when I haven't actually finished watching a show, not because of a lack of words.) So when I hit something I can't really write much about, it's truly a strange moment.
That's what I found sitting at the computer a couple of days after watching Glassy Ocean, a short film (about 23 minutes long) dating from 1998. It's Japanese, but really, it's not anime. It owes a debt to the surrealism of the French, both in its plotline (if you could call it that) and in its visuals. It is intriguing for two reasons -- its score and its uniqueness. If you've been frustrated by the sameness of everything that you've seen recently, Glassy Ocean might be something to make you think, "There is still creativity in the world." But then again, you might just be bored.
Normally, in my third or so paragraph I try to come up with a description of the show's plot that doesn't give it away. Well, in this case, to describe what happens would probably make the experience moot. The nutshell? A boy stands on an ocean liner looking out into the sea, and he imagines an aquatic world of glass where an old man catches flying fish with his cat. When the old man finds a whale in mid-flight, he invites others to see, and he remembers events from his past. Watching those reminiscences is what makes up the whole of the short.
Perhaps not surprisingly, the crew on this piece does not have a long resume of anime-related projects. According to Anime News Network, the music was contributed by Yutoro Teshikai, who also was behind the score of the experimental mindbender Cat Soup. Looking back at that review, I can see many similiarities...both are shows that are more about the art than the story, and both have great music. It's too bad Yutoro Teshikai hasn't done more work in the animation realm, because it's his talent that keeps this from being a monotony. If you can find the show just to listen to it, I could go with that recommendation. The graphics are nothing spectacular, though it is visually intriguing. While there is some CGI on display, it neither helps nor distracts, in my opinion.
While comparisons with Cat Soup aren't out of line, unlike Cat Soup there's nothing that makes Glassy Ocean truly click for me. I commented on Cat Soup that it had no point, which was a problem, but do fever dreams really have a point either? Glassy Ocean is unique in the fact that you won't see anything else like it. I liked a lot of what I saw. But it doesn't particularly linger in the mind, either. It's quite slow, and while my 15-month old appreciated its pacing, I don't think many other people will. How can a 23-minute short feel slow, anyway? It's the kind of show I admire and respect more than enjoy.
This really surprised me, because Glassy Ocean in some ways is similar to shows like Aria the Animation, which aren't really plot driven but intend to inspire a mood. With no expectations, this could be like a nice sea breeze, something light and airy that doesn't have to do anything but provide a little cool air. In fact, I think children might really get more out of this than adults, as they may be able to appreciate the work without having to have it all explained. (As it turns out, as I was researching this piece, I learned that the director is actually a children's author, and this is an adaptation of his previous book. That explains a lot. And thanks for the tip from Justin Sevakis' own review at ANN.)
So, the question is, are you interested in an oddity based on a children's book with great music and virtually no actual narrative? If you like art films, you'll love it. If you're just waiting for the next volume of Naruto to hit the shelves, don't bother. The rest of us who sit in the middle? Well, it's easy to find on the Internet, so it might be worth a quick download for a change of pace. Perhaps that's the best choice, because still after writing this review, I'm just not sure I had anything to say about Glassy Ocean. Maybe I was just meant to experience it. Maybe that's the point.
Glassy Ocean -- nothing objectionable -- B

domain: hobby


text:
Former Charlotte mayor could be sentenced next week
CHARLOTTE, N.C. (AP) — Former Charlotte Mayor Patrick Cannon could be sentenced as early as next week on a plea to a public corruption charge.
Multiple media outlets reported that court documents show that federal probation officials have completed their presentencing report for Cannon.
The document says U.S. District Judge Frank Whitney will sentence Cannon on Sept. 3 or later.
Cannon has pleaded guilty to taking more than $50,000 in bribes from FBI undercover agents. An affidavit in the case says Cannon sought more than $1 million in kickbacks during a meeting in his office.
Cannon was arrested last March and resigned that day. He pleaded guilty in June.
Cannon faces up to 20 years in prison and a $250,000 fine when he is sentenced. Federal sentencing guidelines suggest Cannon is likely to get between 5 and 7 years in prison.
The investigation that led to Cannon's arrest is still open, but no one else has been charged.
Cannon has agreed to help prosecutors and the FBI in that investigation. His assistance could prompt prosecutors to ask Whitney to increase or lessen the sentence.

domain: law


text:
Texte paru dans: / Appeared in:
Outil de traduction ~ (Très approximatif)
This first recording in the
Musica Baltica series includes seven cantatas by composers who were active
in Gdansk (Danzig). The music comes from the church archives of St John’s,
St Catherine’s, and St Mary’s. The music of Johann Valentin Meder
(1649-1719), Johann Jeremias du Grain (d. 1756), Johann Balthasar Christian
Freislich (c. 1690-1774), and Johann Daniel Pucklitz (1705-74) gives one a
glimpse of the quality of music in this Baltic city. It shows many typical
late-Baroque characteristics, but there is already a glimmer of early
classicism in the way composers introduce chromaticism and emphasize the
clarity of the melodic line against a slow harmonic accompaniment. Pucklitz
is perhaps the most progressive of the lot in his use of chromaticism. A
survey of each cantata shows how variably these composers approached the
problem of form. All but Freislich’s cantata include the obligatory arias,
chorus, and recitatives.
It is a lovely recording of a repertory that has too long been neglected by performers.
English; texts in German only.
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UPDATE: Sheriff Gray was released late this afternoon from the jail in Hamilton County where he was being held due to concerns for his well-being if he was jailed in Hancock County after Gray waived his right to an initial hearing. He is currently formally charged with obstruction of justice charges only. Dan Sigler of Whitley County will serve as special prosecutor in the case and determine if charges of theft and official misconduct are warranted in the case. He is highly respected and acted as the special prosecutor in the campaign finance violation against unsuccessful Ft. Wayne mayoral candidate Matt Kelty, which he successfully prosecuted. Gray will resume his duties as sheriff until the case is resolved. WTHR says police officers indicated Gray appeared intoxicated when he was arrested on Friday. Gray believes he will ultimately be proven innocent of the charges according to WTHR.
UPDATE II: The Star picks up on the potential gambling issue today. The Star's Melanie Hayes writes:
Fraud happens across the board in all areas of government, Hartman said, although he didn't speak to specifics in Gray's case because he hasn't investigated it.
"People find themselves in situations -- a financial or medical situation, alcoholic or drug problems, gambling addictions," Hartman said. "They need money, and unfortunately are in a position that they have their hands on money and can take it."
Gray has been struggling to keep personal finances in order, and bill collectors had moved to repossess a truck Gray owned and had fallen behind in paying off, Dobbins said last week. Officials said there is no evidence that Gray has a gambling problem, despite the fact that he was taken into custody at a casino.
Hartman said that a visit to the casino does not necessarily scream foul play but could be a red flag in some cases.
"When you hear rumors of public officials who like to spend a lot of time at casinos, that's one of the red flags," Hartman said. "Does that mean something? Not necessarily. But maybe there are some issues."


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Take a Stand as a Mom Against NOM
May 10, 2012 by Maureen McCarty, HRC Associate Director of Digital Media
This Mother’s Day, HRC is asking mothers across the country to stand on the right side of history. Publically display your support for marriage equality by coming out against NOM.
The National Organization for Marriage is an anti-gay organization that thrives on secrecy to run its aggressive statewide campaigns against marriage equality and pro-equality candidates.
Despite NOM’s homophobic lies, support for marriage equality continues to grow nationwide.
Download your own “Mom Against NOM” image for your Facebook cover photo now.
January 14, 2015
January 23, 2015
January 24, 2015

domain: sociology


text:
THE next time you moan about the weather thank your lucky stars you don't live on the hellish exoplanet HD 189733 b.
With 4,000mph winds, temperatures of 5,400F and storms which rain shards of GLASS, Little Fox - as it is also known - could have the worst weather in the known universe.
"The nightmare world of HD 189733 b is the killer you never see coming," said US space agency Nasa.
"To the human eye, this far-off planet looks bright blue. But any space traveller confusing it with the friendly skies of Earth would be badly mistaken.
"The weather on this world is deadly."
Researchers have calculated that its winds blow up to 4,000 mph which would send all would-be travellers into a sickening spiral around the planet.
Then there's the rain, which Nasa describes as 'death by a thousand cuts.'
"The explanet possibly rains glass - sideways - in its howling winds," the space agency claims.
Last year scientists were able to first study the weather, just by measuring sodium emissions from the exoplanet.
The research was carried out by scientists from the Universities of Geneva and Bern in Switzerland revealed HD 189733b is a gas-giant slightly larger than Jupiter.
It's located 370 trillion miles from Earth - or 63 light-years.
The scientists found the surface temperatures are even hot enough to melt lead.


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text:
Raiders stand on top of BRC soccer standings
Hudson against Eau Claire Memorial.
It was a game both Raider and Old Abes' fans had circled on their schedules since early in the season. And even though the two teams will meet again on the last day of the regular season, May 21 in Eau Claire, game No. 1 belongs to the Raiders.
Hudson scored two second-half goals, and keeper Tessa Bakken made four saves to lead the Raiders to a 2-0 win over the Old Abes last Tuesday at the middle school field.

domain: news


text:
Slithering robots built to mimic SNAKES use a 'car-like' suspension to navigate trees, rocks and shrubbery to help search and rescue missions
- Johns Hopkins Uni created a snake robot that 'nimbly and stably' climb big steps
- The team recreated the movement of kingsnakes in their robot equivalent
- They hope robot snakes could navigate rough terrain to help in rescue missions
A snake robot that can nimbly slither its way up large steps has been developed by scientists to help search and rescue missions.
US engineers studied how the real-life serpents moved and used their observations to make a snake robot that can climb large steps.
It is thought that snake robots may some day help in the exploration of inaccessible terrain, such as across building rubble after an earthquake.
The breakthrough in robotic engineering uses a 'car-like suspension' to keep the wheeled robot level as it climbs tricky stairs.
Scroll down for video
Johns Hopkins University's Terradynamics Lab created this snake robot to mimic its animal counterpart, the kingsnake
'We look to these creepy creatures for movement inspiration because they're already so adept at stably scaling obstacles in their day-to-day lives,' said senior author Chen Li, an assistant professor of mechanical engineering at Johns Hopkins University.
'Hopefully our robot can learn how to bob and weave across surfaces just like snakes.'
Snakes live in diverse environments ranging from hot deserts to lush tropical forests, where they slither up trees, rocks and shrubbery every day.
Previous studies had mainly looked at snake movements on flat surfaces, but rarely in 3D terrain except for on trees.
Professor Li said these investigations did not necessarily account for real-life large obstacles that search and rescue robots would have to climb over.
Researchers first studied how the kingsnake – which can be found living in both deserts and pine-oak forests – climbed steps in Professor Li's Terradynamics Lab at the university's campus in Baltimore, Maryland.
'These snakes have to regularly travel across boulders and fallen trees – they're the masters of movement and there's much we can learn from them,' he said.
The team divided the movement of a kingsnake as it climbed steps into three sections and used this to engineer a robotic version
‘It is a generalist, meaning that it can live and move well in many kinds of environments,’ said Qiyuan Fu, graduate researcher at Johns Hopkins.
The scientists simply observed how the creature slithered up the stairs.
Through a series of experiments, the study — which has been published in Royal Society Open Science — found the snakes partitioned their bodies into three sections.
Their front and rear wriggled back and forth on the horizontal steps like a wave, while their middle body section remained stiff, hovering just so, to bridge the large step.
Scientists noticed the wriggling portions provided stability to keep the snake from tipping over.
The snake-like body is separated into 10 sections with a total of 10 wheels either side to climb stairs
As more of the snake reached the step, its front body section would get longer and its rear section would get shorter.
At the same time the middle body section remained roughly the same length, suspended vertically above the two steps.
If the steps got taller and more slippery, the snakes would move more slowly and wriggle their front and rear body less to maintain stability.
Using this information, the team created a robot to mimic the kingsnakes' movements and replicate the wave-like oscillation pattern.
Researchers inserted springs to mimic the ability of a real snake to keep good body support and preventing it from flipping over
After their robotic snake couldn't climb the steps without tilting sideways and falling over, the team added a 'car-like suspension' to the robot's design, consisting of a spring between the body and the wheels.
This allowed the robot to stay level while climbing the stairs.
The researchers say that their creation even came close to matching an actual snake's speed.
But the added body suspension system – needed to keep the machine stable on large steps – meant the robot uses more electricity.
'The animal is still far more superior, but these results are promising for the field of robots that can travel across large obstacles,' Professor Li said.
The team plan to test and improve the snake robot for even more complex 3D terrain with more unstructured large obstacles.
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Three House Committee Chairmen sent a letter this week to Attorney General Loretta Lynch asking why the Justice Department was declining to press charges against the Environmental Protection Agency over the Gold King Mine spill in Colorado.
The letter notes that after a criminal investigation was conducted by the EPA’s Office of Inspector General which found evidence of criminal wrongdoing by the agency, the US Attorney for the District of Colorado was declining to press any charges against the EPA.
“The Department of Justice, including the U.S. Attorney’s Office for the District of Colorado, has aggressively pursued the discharge of pollutants into the nation’s waters in violation of the Clean Water Act,” wrote the Committee Chairmen in their letter. “In 2013, the U.S. Attorney for this District, in bringing a case investigated by EPA’s Criminal Investigation Division, prosecuted a Longmont, Colorado, business owner for illegally discharging 1,000 gallons of sewage into a ditch connected to a local reservoir. Both the individual and his company were each fined $10,000 for the violation.”
The letter went on to state:
While the Longmont incident certainly deserved prosecutorial attention, it pales in comparison to the scope of EPA’s Gold King Mine catastrophe. By not taking up the case, the Department of Justice looks like it is going easy on its colleagues in the EPA. Its lack of action on these charges give the appearance of hypocrisy, and seem to indicate that there is one set of rules for private citizens and another for the federal government.
The Committee Members asked the Justice Department to produce a briefing on the decision not to prosecute by October 26.
A copy of the letter is included below.
2016-10-12 House Committee Chairmen Letter to Loretta Lynch Re: Gold King Mine Spill


text:
Munksgaard Juel posted an update 11 months, 1 week ago
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text:
Paul Gallagher, the non-Oasis brother of Liam and Noel, has confirmed that Oasis are likely to be planning a reunion.
Speaking in an interview as part of a documentary being filmed for Irish TV, Paul says that he believes the brothers will reunite as they have ‘unfinished business’.
In the interview, Gallagher says: “I think Noel regrets walking out the way he did. Liam was always going to carry on and do his own thing. I’ve got a funny feeling something might happen in the future. All it takes is two guys to say, ‘You know what, I’m sorry, but I love you.’ That’s all it takes, it’s not hard. It’s easy.”
The Beady Eye star performed last Friday at A Night For Jon Brookes, covering a George Harrison classic – more interviews and pics of the night still to come on Gigslutz!


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I went to a luncheon the other week where the wonderful and eternally fabulous chef and interior designer James Farmer was speaking. He is southern, honest, delights in donning bright colors and monograms, and most of all, he loves his food. While cooking grits and cheese straws on stage making everyone cry from laughter, he described what he calls a Fried Chicken Moment. A Fried Chicken Moment is the that moment when you take a bite of fried chicken, your eyes close and you will forever remember where and when you had that first bite of the best fried chicken you will ever taste.
Well these cookies are my Fried Chicken Moment. The first time I made these cookies, I just knew. My life had been changed for the better. I saved this recipe in a secret place, never wanting to lose it. The recipe is so simple, and it really hinges on using a good flaky sea salt. I don’t like really salty desserts, but I find a very subtle dash of saltiness to a sweet treat can really change you. It gets to your core and forever changes you into one of those salty/sweet treat aficionados. Well, I have been changed by this recipe. I could eat these cookies every day if I made them available to me that often.
And let’s be real. Who doesn’t like chocolate chip cookies? I like to keep cookies somewhat small, that way I don’t feel too bad when I eat two, or five…. or ten. If you are making these for friends, be sure to make extra because you won’t be able to resit snatching a couple fresh out of oven for yourself.
Sea Salt Chocolate Chip Cookies
- 1/2 cup sugar
- 1/2 cup light brown sugar firmly packed
- 1 stick unsalted butter cold and cut into tablespoons
- 1 egg
- 1 teaspoon vanilla extract
- 1/2 teaspoon baking soda
- 1 and 1/4 cup all purpose flour
- 1/2 teaspoon flaky sea salt plus more for topping
- 1 and 1/2 cup semi sweet chocolate chips
Preheat oven to 350°F.
Mix together sugar, light brown sugar and butter with hand mixer or stand mixer until well combined (the butter should be well combined and no longer lumpy). Add in the egg, vanilla and baking soda and mix until combined.
In a separate bowl, stir the flour and sea salt together.
Slowly add the flour and sea salt to the bowl of wet ingredients and mix until combined.
Mix in chocolate chips.
Line baking sheets with parchment paper or these Silpat Silicone Baking Mats. Using a cookie scoop, place 6 scoops of cookie dough on each baking sheet.
Bake for 10 minutes, remove from oven and sprinkle with extra sea salt. Allow cookies to cool for a few minutes on the baking sheets, then transfer to a wire rack and let them cool completely (if you can make it that long without eating them all).
Adapted from Smitten Kitchen.


text:
Odyssey (plus support)
An evening with Odyssey plus support from Selena Evangeline.
Odyssey's UK top 10 classic hits include Native New Yorker, Use It Up And Wear It Out, Looking For A Way Out, Inside Out and Going Back To My Roots as well as the rare groove soul anthem Don't Tell Me Tell Her. Their fusion of soul, pop, dance, jazz, funk and Latin Caribbean rhythms continue to make them popular around the world. In the great tradition that has made them famous, Odyssey's new releases carry their classic sound forward as "old school meets new school meets old school".
Please note, Odyssey does not feature the original line up. Steven Collazo (son of founder and first vocalist Lillian Lopez) continues the family legacy with an array of talented singers and musicians.
|Ticket Type||Ticket Tariff|
|Adult||£28.50 per ticket|
|Concessions||£27.50 per ticket|


text:
Tree and plant nurseries in Zambia
Where to find seeds and plants for the garden. Tree and plant nurseries in Zambia will have a range of different trees, bushes, shrubs, creepers, plants and flower seeds to choose from. Many are happy to give professional advice as you plan your own home surrounds or even a residential development. Depending on the water supply and irrigation system available, choose plants that demand a daily soaking, succulents and desert-garden cacti or anything in between.


If nothing else, SAN ANDREAS is one of the finest advertisements ever made for the importance of emergency preparedness. Those who survive the state-long earthquake that erupts on the eponymous fault line are either those who know to duck under a table or shelter by a solid wall, or those who are related to those who knows things like these. The rest are just so much fodder to remind us of just how gruesome a death by natural disaster can be. Fortunately, this film does more than just scare us all into wanting to sign up for the nearest class in CPR and/or first aid. It’s a whiz-bang of a disaster flick brimming over with close-calls, near misses, and the answer to that age-old question, “What would a cruise ship drifting through Chinatown look like?” Make no mistake we are not here for logic, we are here for a higher purpose that renders coherence a mere bagatelle. We are here to be reassured that in the midst of the apocalypse, someone will come to save us. And that man is Dwayne “The Rock” Johnson.
In keeping with the cautionary subtext of the film, it begins with a sweet young thing driving through the canyons around Los Angeles and texting. Bad, bad sweet young thing, or so the film says as she is rewarded by not being able to deal with one of those rock slides that are inherent in the canyons. Fear not, Ray (Johnson) is helicoptering in for a rescue. Fear not, further, there is a pretty reporter riding with him and his LAFD rescue squad allowing us to learn that he’s a veteran working with the same squad, doing the same thing, that he had in Afghanistan. The car, and the pretty young thing, wedged precipitously in the very narrow crevice proves no obstacle to Ray as he throws protocol to the winds, thinks outside the box, and brings both her and his injured teammate back safely.
This is all very important to know because when the earthquake strikes, it explains why Ray would take the LAFD helicopter rogue to save his soon-to-be ex-wife, Emma (Carla Gugino) from a LA rooftop, and then off to San Francisco where their daughter, Blake (Alexandra Daddario) has been abandoned, trapped in a care in the basement of a high-rise by mom’s rich new boyfriend, Daniel (Ioan Gryffudd) Though, to be fair, Daniel’s biggest failing is not being Ray, and panicking in the face of a very large chunk of building flattening the front part of the car in which he and Blake were riding. He’s just a very successful architect.
Fear not, Blake is rescued from the car by Ben (Hugo Johnstone-Burt), the cute guy who was there for a job interview at Daniel’s company, and by Ben’s cute-as-a-button brother, Ollie (Art Parkinson). The film, it should be noted, has the grace to acknowledge that it’s weird to bring a little brother to a job interview, and to explain why two British brothers are there in San Francisco for the interview.
Blake returns the favor by essentially keeping those two brothers alive through the ensuing quakes, tsunami, tumbling buildings, and other assorted difficulties that otherwise make a major disruption like this so much more difficult than the initial shaking. She thereby joins the ranks of tough women with which this summer movie season is gifted, and that is another big point in the film’s favor. Sure, Ben the structural engineer knows how to retrieve trapped girls from smushed cars, but said girl knows how to get around downed cell phone towers and pillage abandoned fire trucks for useful equipment.
Also in the mix is sad-eyed Paul Giamatti as the geophysicist whose discovery of a way to predict earthquakes some just a little too late for Los Angeles, and for his assistant (Will Yun Lee), who is the first supporting player to demonstrate the fury of Mother Nature on a rampage as demonstrated by what happens at Hoover Dam. Giamatti also gets to say the immortal words about when the next big one will hit, as in that it’s not a question of if, but of when.
In the course of San Andreas, we see Ray save the day over and over again against insuperable odds, dodging tanker ships careening wildly in a tsunami wave, overcoming a looter with just his cat-like reflexes, facing down the gaping eponymous fault itself, and coming to terms with the drowning death of his other daughter. That last because this isn’t just a film about California coming apart at the seams, it’s about a broken family healing and coming together. On that level it works, even if it fails on the coincidence scale, not to mention the scale of just how much punishment the human body can take and still keep going, at least we have something to for which to root. A glass shard to the thigh would probably NOT allow the shardee to scale even a modest hill in San Francisco, much less Nob Hill. But never mind. In the midst of disaster, reuniting the family is paramount, and physiology be damned. There is no shame is just going with it.
The pacing is brisk, the special effects are devastatingly terrific, and the powers that be were kind enough to cast actors who are capable of giving solid, even engaging, performances in the most clichéd of moments. It makes even the most expected tropes easier to swallow, and, if anything, makes us respect all concerned all the more for making it work.
Full disclosure, I was in San Francisco during the 1989 quake, and seeing the Bay Bridge go down again evoked a more emotional response that it might for those who were here. Still, for all its hyperbole, SAN ANDREAS is a fun and nail-biting action-adventure flick well worth the effort to see it on the big screen. And if you stay through the credits, there are several listings of web sites to visit to get that preparedness training you will be considering after the show.


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Trump wants to buy Roosevelt Hotel, NA panel told
By Amin Ahmed
ISLAMABAD: A top official of the Pakistan International Airlines (PIA) informed the National Assembly Standing Committee on Privatisation on Wednesday that US President Donald Trump has shown interest in buying the PIA-owned Roosevelt Hotel.
The revelation by the managing director of PIA Investments Ltd, Najeeb Samie, surprised the Privatisation Commission officials, who are starting the process for the transaction structure as decided by the Cabinet Committee on Privatisation, to identify a strategic investor who can make the PIA asset profitable.
Mr Samie said it was not profitable for the PIA to run the entire hotel on its own and it should be replaced with offices and hotels within the structure in New York`smid-townManhattan.
Mr Samie`s disclosure came when Khawaja Asif of the PML-N asked him whether anyone had shown interest in purchasing the hotel.
It had been decided to lease out the hotel on a longterm basis, the head of PIA Investments Ltd said.
A senior official of the Privatisation Commission told Dawn that the head of PIA Investments had never mentioned this breaking news in any meeting of the Privatisation Commission that discussed affairs of the PIA and Roosevelt Hotel.
Briefing the standing committee, Mr Samie stated that the 19-storey hotel incurred a loss of $1.5 million last year. Roosevelt Hotel`s structure being 100 years old is constantly in need of repair and maintenance, requiring substantial investments without correspondingreturns.
Mr Asif said his party did not oppose privatisation but the time was not conducive for such an exercise since Covid-19 pandemic had badly affected the market prices of almost everything.
At the same time, he said the rights of the employees should be protected whenever the privatisation is carried out. People who own real-estate businesses abroad should not be made part of the body deciding the hotel`s fate as it could lead to corruption, he said.
Privatisation Minister Muhammedmian Soomro informed the committee that certain options were being evaluated for the future of Roosevelt Hotel and a consortium of financial advisers would decide about the leasingofthe hotel.
The Cabinet Committee on Privatisation in 2019 had directed the authorities concerned to carry out a feasibility study for appraisal of various management and financial options for gaining optimal returns from the hotel.
On Wednesday, the NA committee decided to share the report of Deloitte, a consulting and advisory company, with the committee before next meeting.
The ministry of privatisation informed the committee that a financial adviser was being appointed for evaluation and advice on different options. The committee suggested that it was not right time to make any decision on Roosevelt Hotel due to Covid-19 effects on economy and business environment. Moreover, it will not be a wise decision to sell assets and invest in a business which is making losses.
The hotel consisting of 1,025 rooms, meeting spaces, four restaurants and a rooftop lounge and named after President Theodore Roosevelt opened on Sept 22, 1924. The hotel was closed for an extensive $65 million renovation from 1995 to 1997. Beginning in 1979, the hotel was leased by the PIA through its investment arm, the PIA Investments Ltd, with an option to purchase the building after 20 years. In 1999, the PIA exercised this option and bought the hotel for $36.5m.
In 2005, the PIA entered into a deal with a Saudi partner that included the prince`s share in Hotel Scribe in Paris in exchange for $40m and the PIA`s share in Riyadh Minhal Hotel, located on property owned by the prince. The PIA has since 99 per cent shares in the hotel while the Saudis have only 1pc.
Pilots`licences The secretary of the Aviation Division briefed the committee about the issue of suspected licenses of pilots and said that in 2018 a pilot pointed out some anomalies in examinations of pilots conducted by the Civil Aviation Authority (CAA). A committee was constituted in February 2019 to investigate the matter and the report was finalised in June 2019 and submitted to the prime minister.
The NA committee was also informed that the authority was further investigating the matter. Other international airlines are also referring cases for verification of licenses of Pakistani pilots working in these airlines and the authority hasissued the clearances afterveriñcation.
The meeting was attended by MNAs Khawaja Saad Rafique, Zulfiqar Ali Khan Dullah, Umer Aslam Khan, Faheem Khan, Syma Nadeem, Mukhtar Ahmad Malik, Mohammad Shahbaz Babar, Mohammad Riaz, Mohammad Pervalz Malik, Seema Mohiuddin Jameeli, Syed Hussain Tariq, Siknandar Ali Rahoupoto and the ministers for privatisation and aviation, beside senior ofñcials of concerned ministries.


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Diane Kerrigan & Associates Counseling
Mental health and addictions counseling
Amanda, guest lecturing at a local university. She enjoys providing education on addiction and understanding co-occurring mental health and substance abuse issues.
Each provider has a specialization of care, but also a desire to create positive change in this world. Krystal, pictured on left, is passionate about increasing conversation about understanding neurodivergence. She enjoys working with individuals on the Autism spectrum with low support needs, and working with families who have members with higher support needs. Additionally, she is an active advocate for LGBT+ issues.
Community Outreach - Breaking down the stigma of treatment
Over the past 10 years Diane has provided educational talks and seminars at local non-profit organizations, churches, and local companies. Frequent topics are understanding addiction, Anxiety disorders, and also providing education to prevent staff burnout at local agencies.
One of our collections from the holidays. Several times a year we collect items to donate to local non-profits. Recently we donated toys for children in families struggling with addiction. Another favorite is to collect and donate hygiene products, socks, and underwear to individual struggling with homelessness, and entering detox/ rehab.
Our therapists attend a variety of walks and community events to support and raise awareness of issues such as domestic violence, mental health, and addiction.
Annual sponsor at community event fundraisers such as The Bataan Memorial March. This is an annual walk that is a military memorial that supports military/ veteran-based non-profits such as Wounded Warrior Project. Pictured with walk participants, Diane and Max Kerrigan
A recent event we enjoyed attending and sponsoring was Paws for Prevention. This event is held to raise money for the Council on Substance Abuse and Education for Youth. Our group took a fun approach for this event as it centered around dogs. We had a Snoopy theme with props and a photo backdrop to encourage people to engage and join in the fun.
As a group, our providers have a shared mission of breaking down the stigma that prevents individuals from seeking care. We work to not only provide great quality of care to our clients, but also work to educate individuals on the need for treating mental health and addiction needs. We enjoy going out into the community to spread information through educational and community events. Additionally, we try to provide outreach through virtual platforms as well. While we do offer virtual/ telehealth options for therapy, we try to be active on some social media platforms such as Facebook and Instagram to provide educational and inspirational posts to attempt to combat the misinformation and negativity that people often find when they are scrolling online.
Chelsey, helping to provide education and access to critical treatment tools needed to prevent overdose deaths.
Chelsey helps manage our social media content. She recently developed daily content for our social media outreach efforts during the month of May, Mental Health Awareness month, to spread positivity and help break the stigma surrounding mental health treatment.
Branching out into the local business community by becoming part of the Westmoreland County Chamber of Commerce

domain: psychology


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Japan on Monday put its ballistic missile defenses on alert and warned that it would shoot down any projectile that threatened its territory after North Korea notified it of a satellite launch between May 31 and June 11.
Nuclear-armed North Korea says it has completed its first military spy satellite and leader Kim Jong Un has approved final preparations for the launch.
“The government recognizes that there is a possibility that the satellite may pass through our country’s territory,” Japan’s chief cabinet secretary, Hirokazu Matsuno, told a regular briefing after North Korea informed the Japanese coast guard of the planned launch.
Read more ….
WNU Editor: Japan is reacting to this …. North Korea tells neighboring Japan of plans to launch satellite, safety warning issued (FOX News).
Japan Warns It Will Destroy Any North Korean Missile That Enters Its Territory After North Korea Warns Of Satellite Launch
Japan condemns North Korea over launch plans — NHK WORLD


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2020; Studio opening at "Studio La huette"
On a cold February in Berlin, the big three-day event 'Opening Studio Huette' happened in the Klein Garten Siedlung in Charlottenburg. We invited friends and artists to exhibit with us. From installations in the garden, painting in the huette, lecture performances, a film screening and also readings by the fire are just some of the happenings that adorned the huette.
We are a collectively organised, non-profit Berlin art association. With our common work we offer a platform to young artists of different media and create an honest access to art.
Exhibited -City shell 2020
is a charitable organization and integral development with indigenous women in Tarija Bolivia.I supported the Team CCIMCAT with reportage material such as photographs and videos. (project "Mujer y Agua")
2018; Centro Juana Azurduy.org
is an independent organization with key demands such as political participation,land rights, education, combating domestic violence, and empowering indigenous women. During my time in Sucre, Bolivia my main focus was documenting the education-oriented group therapy, the Psychodrama. Under the direction of Psychodramatist Karin de Fries.
INTERTEAM; now Comundo.org stands for global engagement, for more social justice and better living conditions for disadvantaged children, youth and elderly people.With photgraphes series I documented the efforts of the Swiss INTERTEAM experts in Sucre to support and share their stories.


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- Posted November 29, 2013 by
This iReport is part of an assignment:
Travel photo of the day
Climb onto one of the temples (and sit on the top of it, literally) to catch the sunrise/ sunset.
Both are equally amazing views; imagine hundreds of temples of different sizes slowly coming into sight as the sun rises, and fade into darkness as the night sets in.


Online Item #:
- Automotive scan tool that wirelessly connects to your IPhone, IPod or Android smartphone via Bluetooth
- Access check engine, ABS & Airbag warning light codes & definitions all with your smart phone
- Review vehicle emissions status ( I/M Monitors)
- AutoID - Automatically identifies most 2000 & newer vehicles
- TrueLink - Guaranteed to link to all 1996 & newer vehicles
- MyGarage - Vehicle Manager
- QuickCheck - Vehicle Diagnostics Summary
- Vehicle Activity Log – History
- Weight: Approximately: .5 pounds
- Shipping Dimensions: Approximately 2 x 4 x 6.4 inches.
Tab 4 - Future Phase
Prefer to place your order by phone?
Reach us at 877-633-7456 M-F 7:00am - 6:00pm Central Standard Time.


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- Riot Games has announced a new game set in the universe of League of Legends;
- Hextech Mayhem will be a rhythm runner game and will be prepared by the creators of Bit.Trip;
- It's the next step in Riot Games' development of the League of Legends brand in the video game market.
Crazy heroes of League of Legends in Riot Games' explosive single-player game - Hextech Mayhem: A League of Legends Story has just been announced. In the production we will play as Ziggs, a demolitions expert, and blow up the city of Piltover to the rhythm of music.
Hextech Mayhem: A League of Legends Story is a rhythm runner, in which we will perform actions in the rhythm of music while constantly moving in a given direction, and each will result in an explosive reaction. While controlling Ziggs, we'll take advantage of the "Unstoppable Mayhem" mechanic, thanks to which there'll be even more uncontrollable explosions and bonus points to gain on the map. The game will also feature the eccentric scientist Heimerdinger, also known from the world of Runeterra, but his role in the new production remains unclear. Will the characters cooperate, or will they focus on competition? We will find out soon.
The Choice Provisions studio, known for the Bit.Trip series and Runner platform runner games, is working on the title. As you can see on the attached trailer, the mechanics of Hextech Mayhem will be an expansion of the studio's previous achievements.
Riot Games continues to expand the League of Legends brand into other video game genres. After an auto battler production (Teamfight Tactics) and a digital card game (Legends of Runeterra), we get the rhythm runner Hextech Mayhem and one more single player game is waiting for release - Ruined King: A League of Legends Story. Let's also remember that recently an animated series Arcane premiered on Netflix, whose main characters are the sisters Jinx and Vi.
Hextech Mayhem: A League of Legends Story will debut on November 16 on PC, Nintendo Switch and Netflix. Those who choose to pre-order the game will receive an additional skin.

domain: entertainment


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Zetia (Ezetimibe) reduces the amount of cholesterol that your body absorbs from your diet. Zetia is used to treat high cholesterol, along with a low-fat, low-cholesterol diet. It is sometimes combined with other cholesterol-lowering medications. Unlike “statins” Ezetimibe works in the digestive tract rather than the liver. It is used along with a healthy diet and exercise regime. The recommended dosage is 10mg once daily or as directed by your doctor.
We currently have the brand Ezetrol manufactured by Merck. The generic Ezetimibe is manufactured by Lupin (also called Ezedoc) in India and by Mint in Canada. Zetia is available in tablet form and 10 mg strength.
Contact your doctor if you experience the following side effects and are becoming bothersome or severe.
• Back pain;
• Joint pain;
• Sinus infections;
• Throat infections
Do not take Zetia if you are allergic to Ezetimibe of if you have liver disease. In rare cases, cholesterol-lowering medication can cause a condition that result in the breakdown of skeletal muscle tissue. This condition can lead to kidney failure. Contact your doctor immediately if you have unexplained muscle pain or tenderness, muscle weakness, fever or flu symptoms, and dark colored urine. It is unknown whether Zetia is harmful to an unborn baby. Before you start taking this medication, inform your doctor if you are pregnant or plan to become pregnant during treatment. It is unknown whether Ezetimibe passes into breast milk or if it could harm a nursing baby.

domain: medical


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In the shop we sell our own-grown salads and our own freshly cut flowers (in season). We also sell tea, coffee, jams, honey, local organic cheese and the chutneys that we serve in the cafe.
We also sell Rhosgadw Farm meat from a family run farm just two miles down the road from the Perennial. Their herd of Herefords graze on grass and the heathland on the common land surrounding the farm. All the beef is hung 21 days giving the meat the maximum flavour and tenderness. The lamb is from a flock of ewes which graze locally, all year on grass.
And if there is something delicious fresh and seasonal we have been able to source locally you'll find it on our shelves. Our garden and cafe site has been renovated and restored by local craftsmen and in the shop and around the garden we have examples of their work which you can buy or order. Our Garden theme is also represented in the Gardenalia we stock for sale and feature a range of stock through the season, as available.


AT&T Data Security Analysts Matt Keyser, John Markley and Brian Rexroad discuss the "Predictions for 2018"- This week's top cyber security news, and share news on the current trends of malware, spam, and internet anomalies observed on the AT&T Network.
- 00:12 - Predictions for 2018: More Struggles Transitioning to the Cloud
- 04:38 - Predictions for 2018: Evolving IoT Threats
- 12:06 - Predictions for 2018: The Markley Quiz
Originally recorded December 12, 2017
AT&T ThreatTraq welcomes your e-mail questions and feedback.


Two people reported their car tires were slashed in separate incidents near W. Pontiac Trail in Novi, according to police reports.
The first incident occurred on Wellington Drive, where the owner parked his car in the lot near Building 25 of the apartment complex, the report said. He noticed on the morning of Nov. 22 that the front right tire of his Dodge Durango had been slashed and was flat, the report said. There were no suspects or witnesses, the report said.
A similar incident occurred nearby on Bristol Circle, according to a police report. A man said he parked his Chevrolet Camero in his driveway overnight and found the right front tire slashed in the morning of Nov. 23, the report said. There were no suspects or witnesses, the report said.


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Paphos Mayor Phedon Phedonos will seek legal advice on whether he can make public the names of doctors he says are behaving in an unacceptable way during the unprecedented conditions the country is experiencing.
He said it was incomprehensible that at a time when most doctors are doing battle with coronavirus under the most difficult conditions, others were issuing sick leave notes without medical justification so that their clients need not go to work.
He said this puts at risk basic services. Employees asking for such sick leave notes should be denounced because they are effectively victimising their colleagues, he added.
The mayor’s allegations were confirmed by Auditor General Odysseas Michaelides who wrote on Twitter that they too had had the same experience with a private doctor giving 15 days leave which a medical council rejected. He said that once things calm down, he will be reporting the case to the Cyprus Medical Association.


Analyzes, information and comments on the economic and political issues of the circus, theater and street arts.
What if we all stayed at home?ANALYSISThe circus artist is everywhere. They move for opportunities, for training, for work; at times it seems like the only way to survive. But is there another choice hidden in plain sight? Kiki Muukkonen…
Spaces of opportunity: Artistic creation on the peripheryANALYSISResidencies have become a staple of artistic creation and happen just about everywhere — from city centres to distant countryside. Surveying the field, Gert Nulens finds opportunity on the periphery…
In order to illuminate the current events in the circus, street and dramatic arts, ARTCENA has created in this section different formats: the “Thémas”, the “Grands angles”, multimedia documentary files (text, photo, video, audio recordings) on artistic currents or themes. In the form of an immersive platform, they allow you to learn about topics in depth. Another format, the “Points de vue”. Forum of opinions, analyses, and critique open to outside visitors, they echo the current issues in the arts.


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Dystopia used to be a fiction of resistance; it’s become a fiction of submission, the fiction of an untrusting, lonely, and sullen twenty-first century, the fiction of [mass media manipulation], the fiction of helplessness and hopelessness. It cannot imagine a better future, and it doesn’t ask anyone to bother to make one. It nurses grievances and indulges resentments; it doesn’t call for courage; it finds that cowardice suffices. Its only admonition is: Despair more. It appeals to both the left and the right, because, in the end, it requires so little by way of literary, political, or moral imagination, asking only that you enjoy the company of people whose fear of the future aligns comfortably with your own. Left or right, the radical pessimism of an unremitting dystopianism has itself contributed to the unravelling of the liberal state and the weakening of a commitment to political pluralism.
From A Golden Age for Dystopian Fiction by Jill Lepore.
In a broader sense, there's nothing to be gained by despairing at the current situation, assigning blame, reacting instead of acting. Create, don’t disparage. Don’t get tangled up in petty debates, have a vision and convince people by laying the groundwork.

domain: politics


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Jun 24, 2013, 9:00 PM EDT
Several drivers in the 2013 Formula One field explain the pressures, demands, strains and commitment it takes to make it in the sport. The sport’s oldest driver Mark Webber of Red Bull is among those interviewed, along with several drivers who are new to the grid this year – Valtteri Bottas of Williams, Esteban Gutierrez of Sauber and Max Chilton of Marussia.
- NASCAR AMERICA: Thursday round-up (VIDEO) 0
- IndyCar: A crucial weekend to commence at Mid-Ohio 1
- Mark Martin returning to Roush Fenway Racing in unique role 0
- NASCAR AMERICA: Wednesday Round-Up Includes Denny Hamlin Interview (VIDEO) 3
- Greg Ives to become crew chief for Dale Earnhardt Jr. next season 12


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There is only one reason why anyone’s dog won’t come back when called. It’s because they have found something more interesting! If your dog would rather sniff a lamppost, rummage in a hedgerow, scamper off to meet other dogs or people, or chase someone else’s ball, it’s because they think all those things are more interesting than you are.
To get your dog to come back to you or “recall” every time, you have to make yourself more interesting.
Most dogs will benefit from learning a new set of rules about coming back when called. There isn’t a ‘secret’ to teaching the RECALL command, just plain ordinary training that all dogs can understand. Some dogs respond best to their names, other dogs prefer a dog whistle. To train this command, you will need to understand how dogs learn so that you can implement the training in a way that will work quickly, and work for you.
The first stage will be to teach your dog what ‘come’ really means. It means ‘if you come here you will be rewarded for it’ and like all dog training it is best started in a place with no distractions. Indoors is best to achieve fluency before generalising to the great outdoors.
It’s understandable that people get very frustrated and angry when their dog doesn’t come back when called. However, when their owner is angry, a dog can tell from their body language and tone of voice that all is not well and will be even less likely to want to go back to them. So, it’s always best not to punish a dog when they return, no matter how long you have been waiting, shouting and worrying and always rewarding the dog when they come to you, however long it takes. Punishing includes smacking or hitting, shouting or yelling, frowning or scowling, or even just ignoring.
To follow up or make an appointment or find out more information about Ringwood Dogs, Ashley Heath on the Hampshire and Dorset border, please contact Isabelle Adams-Papé by clicking on the Contact Me tab.
I look forward to meeting you and working with your dogs.
Happy dog training.

domain: pet


text: My Retirement Savings Estimate how long your retirement savings may last using various monthly cash flow rates. You are viewing this website at a small screen resolution which doesn't support calculators. Click here to view this calculator. Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Content Retirement Traps to Avoid Beware of these traps that could upend your retirement. Errors and Omissions Insurance E&O insurance is specifically designed to protect you, or your company, from the risk of a client’s dissatisfaction. Protection Against Uninsured Drivers You’re hit by an uninsured driver. Now what? Are you protected against financial losses?