text:
Saga Communications (NASDAQ:SGA), founded in 1986 and headquartered in Michigan (US), is a radio broadcaster operating in 27 markets via its 79 FM and 34 AM company-owned radio stations and 77 metro signals. SGA is a strong local operator with top-end rankings in the markets that operates. SGA sold its remaining TV stations in 2017 and is now focused solely on radio broadcasting.
- 87% of revenues generated by local advertising. CEO prefers to work directly with local companies than be dependent upon intermediaries. That is only possible in local advertising market.
- Advertising revenues comes from auto dealerships, farming, medical and home improvement industries.
- Most advertising contracts are short-term in nature and run for a few weeks.
Management & Strategy
Ed Christian (Founder & CEO) is considered an industry expert and has grown SGA from 8 stations in 1986 to over 100 today. Mr Christian and Sam Bush (CFO) are significant shareholders. Mr Christian is the second largest shareholder but controls 60% of voting shares via Class B shares. CEO has voting control of SGA via super-voting Class B shares but he looks like he has treated shareholder well over company's history.
CEO tends to look SGA business as a brand development platform. Radio business is in a transformative phase but SGA will always play for the long ball. CEO is focusing on building more relationships with local businesses and working with them to build their brands and image through radio.
Over the last 10 Years, SGA has kept its top line steady at c. $124m and its Gross Profit margin broadly steady at 26.4%. SG&A costs have popped after FY14, from an 5-year average of 6.2% of Sales to 9.3%. OpEx increase is attributed to a multi-year contract agreement to license historic Nielsen data in selected markets in conjunction with entering into licenses to receive Nielsen reports and services during future periods in those markets.
Apparently Nielsen has a lot of power in the radio industry and recently (Q3FY20) made a policy change under which it will no longer include the ratings for non subscribing stations in the summary data set that files the major buying systems used by agencies and advertisers. SGA is not a full-service client of Nielsen but nevertheless they pay for some kind of secondary services. According to management, such a policy change is a hot topic in the industry right now.
Nielsen surveys 2 different sets of markets. One is the diary market, which is, in my opinion, a highly automated way of surveying, where you're asking a responder to carry personally a diary for 7 days and contemporaneously fill out line-by- line what he listens to, what radio station, what time it starts, what time it ends. The other one is the PPM, which is the meters that are attached to people's belts and it warrants for up to 2 years for listening.
When they send this information out, radio stations subscribe "to the information" and the same with the people meter, they subscribe for the information. It then is also sold to the advertising agencies at a highly discounted rate compared to what stations pay. And what they are doing now with this new proposal they've come in. And by the way, this has been creeping up because each -- several years, they cut out another feature punishing nonsubscribers like us. I won't say punishing but changing to benefit subscribers. And now there's -- the agency has got 2 levels of information, summary data and respondent data - Q3FY20 Earnings Call
Over the same period, SGA generated an average of $20.8m in earnings before tax. Earning 16.7% on average for every dollar of sale. This relatively fat pre-tax average margin offers some kind of downside protection to potential investors.
In terms of cash generation, the story is again very positive. By taking into consideration the net M&A activity that includes the divestment of TV station in FY17 and a sequence of radio station purchases, SGA was able to generate $213m in FCF during the last 10 years (FY10-FY19). Based on historical data and management's guidance, SGA requires c. $5-6m in Capex to maintain its current business.
Tech disruption: With Spotify, Pandora and other industry disruptors gaining significant market share, tech disruption is definitely a risk. However, SGA's quality focus and strong relationship with its local market can serve as a more efficient advertising channel specifically for small businesses. Stable revenue profile probably means that the Company has built a strong listeners base and that is translated to strong advertising revenues. Many ads are now inserted electronically without supervision or quality control. SGA is following a different approach by trying to retain the highest standards of quality.
Commoditised Radio Business: National business is changing to a commodity, bulk-buying, low-rate business and is moving away from the traditional advertising based on community-specific characteristics. Management believes that compromising quality will hurt business in the long run. Hence they are focusing on personal service and moving away from bulk and commoditised advertising.
Controlling Shareholder: While that alone can simply stop me for digging deeper into a company, after reading more about Mr Christian I feel that he has proved his values and his shareholder-friendly approach.
COVID Issues: COVID forced universities to send students home and to operate in a remote class environment. Such a market-moving event decreased the number of radio-listeners significantly and apparently decreased the number of advertisement campaigns. In a post-COVID world, students will return back to physical classes. Such a cross-industry trend is only temporary in nature and doesn't imply company specific issues.
Competition Struggles: Bankruptcies of iHeartMedia (IHRT) and Cumulus (CMLS) are more related to over-leverage of good broadcasting assets than significant organic growth problems. Based on my comparable analysis, SALM and ETM look to also suffer from over-leveraged balance-sheets.
SGA is trending downwards since 2017. A combination of TV station divestment, that was probably viewed as a compelling growth story, and the potential tech disruption has driven the price lower to a bargain level. Then COVID happened! Such a sequence of events makes SGA a compelling value candidate and reduces the possibility of a value trap.
Radio station is definitely not the most sexy market out there. However SGA's strong operating performance and the possibility for a post-COVID bounce back make this a compelling investment opportunity. When people start moving again, advertisers will probably re-launch their campaigns to attract clients. SGA's hiring spree, as per the latest earnings call transcript, probably gives us a hint about what lies ahead for the company. Mr Christian tends to look his radio business as an image maker and he is focused on providing personalised, high quality advertising campaigns. Such a different perspective gives an edge to the business and makes me feel that it still has a role to play in the following years.
Competitors look bad compared to SGA. They are either over-leveraged or have a poor operating history. Potential bankruptcies could make good broadcasting assets available and further reduce competition.
SGA has $10m in debt but that is more than covered by the $48.3m in cash. Management is broadly conservative and not interested in an M&A spree. However, they could be keen to add more radio stations as they see fit.
FY20 was a difficult year and could only be seen as exceptional in nature. By excluding FY20, SGA business consistently generates FCF between $18m and $22m for the last 10 years. This means that, SGA trades at 5.0x normalised FCF net of balance sheet cash ($38m excluding debt). A business with these characteristics could be trade at 8.0x-10.0x FCF level without exaggeration. This mean that SGA's fair value is closer to $38 per share, 72% higher than the current price level. Of course we should take into consideration a relatively impacted FY21 as well. However, with such an upside potential, a patient investor could wait 2 to 3 years and still get a decent return.
I have initiated a small position (1.5%) at $20. I haven't seen yet insiders buying the stock but such a move would allow me to increase my conviction.
All things considered, SGA is a cheap, downside-protected, value play with some qualitative characteristics in a changing market. Is not a company that could sit in a portfolio for a long time but is a company that doesn't need much to happen in order to give a good return. I feel comfortable owning this kind of companies and I don't see a significant risk of permanent capital loss.


text:
Summary of Advances
In Autism Spectrum Disorder Research
A longitudinal examination of 10-year change in vocational and educational activities for adults with autism spectrum disorders
Taylor JL, Mailick MR. Dev Psychol. 2014 Mar;50(3):699-708. [PMID: 24001150]
Relative to youth with other disabilities, when many young adults with ASD leave high school, they often receive fewer services and are less engaged in education and employment. However, it is not known whether these youth are experiencing a temporary or long-term setback. To address this gap, this study examined the vocational and educational activities of a sample of adults with ASD over a 10-year period. The researchers also looked at personal characteristics (such as intellectual disability, maladaptive behaviors, and daily living skills) and contextual resources (such as family income and parental social networks) that might impact levels of independence in employment and educational activities after high school. The current study drew on a subsample of 161 adults (ages 18–52) already enrolled in a larger longitudinal study of families with adolescent and adult children with ASD. The larger study collected data on families at six points over a 10-year period 1998–2010. Nearly three quarters of the adults with ASD in the current study were male, and about 80% had some level of ID. Most subjects (who were all 18 years or older) were living with a parent or other relative when the current study began. The researchers sought to determine whether the vocational and educational activities of these adults had become more independent, stayed the same, or had become less independent over a 10-year period. This study showed that independence in educational and employment activities had significant declines. Less than 25% of adults showed any improvement in vocational activities, and less than 5% had any improvements that were considered substantial. The results suggested that poor outcomes after high school are not a temporary setback, but stay the same and even worsen for some throughout adulthood. Women experienced particularly severe vocational declines, with a 15 times greater decline than the average male subject over the 10-year study period. While researchers determined that women’s worsening employment status over time was not associated with greater impairment, there are other factors that may have played a role such as gender stereotyping and parental expectations. The researchers predicted that contextual supports such as family income or receipt of various support services outside the family would improve the level of job independence of subjects over time; however, the effect of such support was only marginal.
Consistent with the researchers’ hypothesis, adults with ASD who had greater independence in their daily living activities were more independent in their vocational and educational activities. Though, researchers could not isolate if independence in daily living leads to more independence in vocational and educational activities, or if the effect is vice versa. These findings indicate a need for additional research on the challenges faced by adults with ASD after leaving high school, and especially on the worsening gender disparities in employment faced by adult females with ASD.

domain: medical


text:
F. Paisana, Z. Khan, J. Lehtomäki, L. A. DaSilva and R. Vuohtoniemi, "Exploring radio environment map architectures for spectrum sharing in the radar bands," 2016 23rd International Conference on Telecommunications (ICT), Thessaloniki, 2016, pp. 1-6. doi: 10.1109/ICT.2016.7500412
Exploring radio environment map architectures for spectrum sharing in the radar bands
|Author:||Paisana, Francisco1; Khan, Zaheer2; Lehtomäki, Janne2;|
1CONNECT, Trinity College Dublin, Ireland
2Oulu, Oulu University, Finland
|Online Access:||PDF Full Text (PDF, 0.4 MB)|
|Persistent link:|| http://urn.fi/urn:nbn:fi-fe2018100337242
Institute of Electrical and Electronics Engineers,
|Publish Date:|| 2018-10-03
The need for extra spectrum to support future 5G networks and the fact that a large amount of spectrum below 6 GHz is allocated for different radar systems have motivated regulatory bodies and wireless researchers to investigate the feasibility of Dynamic Spectrum Access (DSA) in radar bands. Moreover, the next generation of infrastructures and devices will need to be more flexible to support a much wider range of application services, operate over much wider bandwidths, and exploit multiple radio access technologies. Radio Environment Maps (REMs) can be utilized to enhance the awareness of network entities of their operational radio environment. In the context of potential spectrum sharing in radar bands, REMs can be used to determine spectrum usage and propagation patterns of different incumbent radar systems operating in a given area. This information in turn can be utilized to establish different radar systems protection requirements in a particular band, and can also help to mitigate any interference between incumbent radar systems and Secondary Users (SUs). In this paper, based on spectrum measurement campaigns in Finland and Ireland, we explore the functional architecture of REMs for potential spectrum sharing in radar bands. We argue that the unique operating principle and signal characteristics of this type of incumbent needs to be considered in implementation of the sensor network, REM communication protocol, and REM architecture. We also discuss the potential of REM to facilitate the use of more advanced interference cancellation or avoidance technologies such as temporal sharing that can significantly reduce exclusion zones.
|Pages:||1 - 6|
2016 23rd International Conference on Telecommunications (ICT)
International Conference on Telecommunications
|Type of Publication:||
A4 Article in conference proceedings
|Field of Science:||
213 Electronic, automation and communications engineering, electronics
This material is based upon works supported by the Science Foundation Ireland under grants no. 10/CE/I1853 and 10/IN.1/I3007. This work was also funded by Academy of Finland under the grant number 268997.
|Academy of Finland Grant Number:||
268997 (Academy of Finland Funding decision)
© 2016 IEEE. Personal use of this material is permitted. Permission from IEEE must be obtained for all other uses, in any current or future media, including reprinting/republishing this material for advertising or promotional purposes, creating new collective works, for resale or redistribution to servers or lists, or reuse of any copyrighted component of this work in other works.

domain: literature


text:
If you see carrageenan on a food label, you may just write it off as a hard-to-pronounce word that’s harmless. Unfortunately, this couldn’t be further from the truth.
Carrageenan is an additive derived from red seaweed that’s used in almond milk to help thicken and bind ingredients together. Carrageenan has been linked to increased inflammation in your gut, increased risk for colon cancer, and can impair your body’s insulin response.
This article will help you better understand exactly what carrageenan is, and why it doesn’t belong in your almond milk.
What is Carrageenan?
Carrageenan is what is called an additive. Additives are substances that are added to a food or beverage item to either help improve or preserve the product.
Carrageenan itself is a gum that’s created using a variety of red seaweeds.
The red seaweed is usually processed in one of two ways resulting in a final product of either degraded or undegraded carrageenan.
Degraded carrageenan is processed with acid and, per the FDA, is not allowed in food as it has been found to be dangerously inflammatory in nature.
It’s so inflammatory that researchers will use it to induce inflammation in animals during experiments.
Undegraded carrageenan is not processed with acid and has been approved by the FDA to be used in food and beverages.
However, our food and beverages go through our stomach, which is an acidic environment.
This is, in part, what triggered scientists to further explore the effects of undegraded carrageenan, as it may become degraded as it gets digested, resulting in potential health concerns.
Why is Carrageenan Used in Almond Milk?
You might be thinking to yourself, “Why do they need to add carrageenan to a product to begin with?”
When it comes to almond milk, carrageenan is primarily there to improve the texture of the drink to make it more enjoyable.
Almond milk on its own can sometimes lack the thickness that cow’s milk offers, making it less appealing to consumers.
Adding carrageenan creates a thickness that mimics the creamy texture of the milk consumers may be more accustomed to drinking.
Carrageenan also serves to make sure the ingredients in the almond milk do not separate to keep it a stable beverage.
This allows products to stay shelf stable in the grocery store for longer durations.
What Does the FDA Say About Carrageenan?
As we previously mentioned, the FDA does approve the use of undegraded carrageenan in food and beverages.
However, a few specific requirements are listed by the FDA that producers must follow if they add carrageenan to their products.
The FDA requires that the carrageenan has to be obtained from one of the specific species of red seaweed listed on their site.
It’s also only allowed to contain 20 to 40 percent sulfate and has to be composed of two main types of sugar molecules.
The FDA restricts carrageenan to being used for thickening, stabilizing, or emulsifying a food or beverage item.
And if it is used in a product, it must be directly listed on the ingredient list of the product.
However, there are no designated restrictions regarding the quantity of carrageenan that can be used in a product.
Also, producers are not required to distinguish which type of red seaweed they used to make the carrageenan.
Carrageenan and Gut Health
At first glance, carrageenan may not sound like a bad ingredient, given that it’s derived from a natural source of red seaweed.
Despite its natural source, research finds that carrageenan is far from harmless for your gut health.
Research has linked carrageenan to increased inflammation in the intestines, which could further aggravate conditions like Irritable Bowel Syndrome (IBS) or ulcers.
Other studies also determined that consistent consumption of carrageenan seems to disrupt the gut microbiome.
They theorize this disruption is what causes increased levels of inflammation in your gut.
These studies were generally performed by looking at the effect of carrageenan on the gut within a short time frame.
Little is known about the effect of long-term consumption of carrageenan on your gut health.
Based on what we do know about the short-term effects, it may not be wise to consistently consume products containing carrageenan if you tend to experience issues with digestion or your gut in general.
Carrageenan and Diabetes
In addition to having a negative impact on your gut health, new research is finding that carrageenan might be harmful to individuals with diabetes.
Before we discuss carrageenan’s effects on diabetes, let’s make sure we have a clear understanding of diabetes.
Type 2 diabetes, which is the most common form, occurs when your body does not respond to insulin.
Insulin’s job is to let the sugar from your blood into your cell. Consequently, your blood sugar can get too high if insulin is not working correctly, resulting in diabetes.
Research shows that consuming carrageenan may inhibit insulin sensitivity making it harder for individuals with diabetes to manage their blood sugar.
It’s important to manage your blood sugar levels if you have diabetes, as levels that are too high can cause a wide range of serious health problems.
Carrageenan and Colon Cancer
Now we know that carrageenan can be harmful to individuals with gut issues and diabetes, but research is finding that it may even promote the development of certain types of cancer.
Research examining the effects of consuming undegraded carrageenan in animals found that those animals were more likely to develop colon cancer than animals that did not consume the carrageenan.
While these studies were performed using animals and more studies regarding the topic are warranted, it should still make you pause when it comes to consuming carrageenan.
If you want to make dietary choices that reduce your risk of developing cancer, you may want to think twice before consuming plant-based milk containing carrageenan.
How Do You Know If Your Almond Milk has Carrageenan?
After learning about carrageenan, you might want to know how you can spot it in your almond milk.
It’s easy to find as all you have to do is look at the ingredients list on your container of almond milk. It will be listed directly as carrageenan.
It is important to remember that ingredients are listed in order from the highest amount to the least amount in that product.
This means that if carrageenan is listed towards the start of the list, it is more prevalent in that product.
Luckily, most commercial plant-based milk no longer uses carrageenan, so it’s by no means impossible to find almond milk without it at the grocery store.
One of the only brands we were able to find that still uses carrageenan is Almond Dream. So you may want to steer clear of that particular almond milk.
You can also avoid it altogether and know exactly what’s going into your almond milk by making your own at home with just a few simple ingredients.
Carrageenan Doesn’t Belong in Milk
Carrageenan is an additive created using red seaweed that is used in products like almond milk to thicken and stabilize the product.
Unfortunately, there are a variety of potential negative health effects that stem from consuming this additive.
The FDA has approved the use of undegraded carrageenan and requires that it be listed on the product on the ingredient list.
Research has found that carrageenan is correlated with increased intestinal inflammation, which can cause more symptoms in people who has conditions like IBS and ulcers.
It’s also been linked to an increased risk of colon cancer in animal studies.
Another studied side effect of carrageenan is reduced sensitivity to insulin which can increase your blood sugar levels and be harmful to individuals with diabetes.
Since the research on long-term effects of carrageenan is limited, you may want to play it safe and consume almond milk that doesn’t have it.
You can prioritize your health by either making your own almond milk at home or by making sure you check the ingredient list on your almond milk.

domain: biology


text:
Danzig Announces New Album 'Black Laden Crown,' Plots 25th Anniversary Tour Behind 'How the Gods Kill'
Published Mar 20, 2017Coming hot on the heels of last year's Misfits reunion, Glenn Danzig has announced he's returning with an all-new Danzig album. What's more, he's also celebrating the 25th anniversary of the mighty Danzig III: How the Gods Kill with a series of upcoming live shows.
Danzig made the reveal today (March15) on his website, stating that the first new album of all-original material since Deth Red Sabaoth will arrive in mid-May. At this point, there is no firm release date or title for the upcoming album, but details are promised to be revealed shortly.
UPDATE (3/20, 3 p.m. EDT): Danzig has now revealed his new album is called Black Laden Crown. That's its cover art above, and it's expected to arrive in May via Evilive Records/Nuclear Blast Entertainment. The album was recorded alongside longtime guitarist Tommy Victor and Queens of the Stone Age drummer Joey Castillo.
While this indeed will mark the first album of all-new material since Deth Red Sabaoth, Danzig's last full-length was the 2015 covers collection Skeletons.
As for the tour in support of How the Gods Kill, the post promises a "handful of shows this summer," which will see Danzig perform "many songs" (though maybe not all) from the beloved 1992 album.
Of course, stay tuned for further details as they become available.

domain: artistic


Carles Tusquets’ first trip with the team could not have been more bitter and bleak. His presence was not very well received by a large part of the squad, who opted directly for the ninguneo. Only the technicians and employees of the club interacted in a normal way with the president of the Manager, while the majority of the expedition was limited to giving a formal greeting, in the best of cases. And that’s on the outward journey, because in the return, the president of the Manager took refuge with the club executives who also traveled to Madrid and a member of the Management Company who also accompanied Tusquets.
Of course, Tusquets wanted to talk. As soon as he left the Wanda Metropolitano stadium, he attended to the media to temper the spirits after the first negative impressions with the injury of Gerard Piqué, ensuring that the injury “does not seem so serious”.
Anecdote aside, the tension between the squad and the Manager was felt especially with Leo Messi. The captain barely made his way to Tusquets at any time throughout the trip. It is evident that the salary reduction proposed by the Manager does not quite convince a large part of the dressing room and it is creating very difficult situations to manage. To start this monday a definitive agreement would have to be reached with the footballers, but it seems very difficult to close, despite some evident progress in the negotiations, because many still think that the Manager is not a valid interlocutor to raise this type of decision.
In fact, players already have shown their preference to negotiate the salary cut individually with the new president. In this way, the situation could last until after the elections, with the aggravation that this would mean for the club’s coffers.
Whatever happens at the end, what seems evident is that the staff needs to feel protected by a valid interlocutor and many players do not consider Tusquets the right person to make far-reaching decisions at the club.


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The news that President Joe Biden is preparing to meet face-to-face in Asia in November with the head of the Chinese Communist Party (CCP), Xi Jinping, broke shortly after I'd finished reading a passage in former President Ronald Reagan's memoir about Reagan's own presidential trip to Asia to meet with the Chinese Communist leader at the time.
Reagan wrote that in April 1984, he stopped in Hawaii on his way over to Asia. "I saw Barry Goldwater, who was stopping over before continuing to Washington after a visit to Taiwan. Barry was upset about my visiting China and made little attempt to hide it," Reagan wrote.
That understates it. A press account from the time has then-Sen. Goldwater (R–Ariz.), an ardent foe of communism who was the Republican Party's 1964 presidential candidate, telling reporters in Taipei that Reagan's visit to China was a mistake.
"I don't think he is going to accomplish anything," Goldwater said. "Nobody can accomplish anything with mainland China. They are beyond hope."
Reagan went ahead with the trip anyway. Goldwater, however, provided a political constraint—and a reality check. He was consistent and principled on the point. In 1982 he was quoted as saying that if the Chinese Communists invited him to visit, he'd reject the invitation: "There is nothing we could talk about. They are communists. They deny human rights and economic freedom, and their word cannot be trusted."
Is anyone today playing a similar constructive hardline role? House Speaker Nancy Pelosi (D–Calif.) has visited Taiwan, and this week another congressional delegation made a similar visit. Their goal, though, seems mainly to prevent a Chinese Communist takeover of Taiwan, which is a much more modest ambition than Goldwater's goal of freeing China.
China's lackeys claim that the situation has changed since the 1980s, as China has grown more prosperous with the advent of certain market-like mechanisms. China's apologists are correct that the situation has changed, but they are wrong about the direction. It's gotten worse, not better. Communist China poses an even greater threat now than it did then. Americans are more reliant on Chinese-made goods, and American companies are more reliant on Chinese customers, creating a vested interest in support of the status quo. Hong Kong, which used to be free under British rule, is now subject to Chinese Communist domination. China now is in the midst of perpetrating a genocide, as Secretary of State Antony Blinken declared as recently as June 2022.
One institution that certainly isn't going to be serving the Goldwater function is The New York Times. That newspaper this month issued a rare staff editorial declaring that the United States should abandon "trying to change China." The editorial did not mention the word "genocide." It's quite a thing, amidst an ongoing genocide, to propose formally abandoning the goal of changing the genocidal regime or its behavior. The Times followed up by publishing an opinion article by a member of the CCP, "a former chief opinion editor of The Global Times, an arm of the official Communist Party newspaper, The People's Daily."
Here's a viewpoint you won't read in the People's Daily, or the Times, for that matter: If Xi wants to meet Biden, let the communist make the trip to Washington. And let Biden set some preconditions for such a meeting: a verifiable end to the Xinjiang genocide, full transparency on the first coronavirus patients in Wuhan and any illnesses related to the virology lab there, and release of all political prisoners in Hong Kong including newspaper proprietor Jimmy Lai.
America may not realize it, but it has the upper hand. Even China's own bogus economic data show high unemployment and slowing economic growth there. It turns out that communism doesn't work. Goldwater was correct.
A weaker American position will only fuel suspicions of corruption—"ten percent for the big guy." Why are the Chinese communists so desperate to buy off American elites? Because on some basic level, deep down, they know the truth is Goldwater was right. Communism is beyond hope. The Communist Party in China, like the Soviet one before it, is just buying time until the eventual, ineluctable reckoning with freedom.
Start your day with Reason. Get a daily brief of the most important stories and trends every weekday morning when you subscribe to Reason Roundup.

domain: politics


text:
Licensed social workers and psychologists offer families, couples and individuals in-depth assessment and short-term, solution focused therapy designed for the specific needs of each client. Substance abuse assessment and treatment are also available.
From marriage preparation to domestic aggression, we have programs to equip Washtenaw residents with the professional and reliable treatment they desire. When appropriate, the program provides on-site psychiatric evaluation and medication monitoring. Insurances are accepted.


The Tubbercurry Family and Childcare Resource Centre have launched a new booklet “Families feeling their way through Covid 19”
The booklet is a collaboration project by Tubbercurry FRC and is part of Sligo’s Covid Community Resilience Plan’s-
The publication is designed to help families deal with the extra pressures that have arisen due to the pandemic.
The booklet is now available free from all Family Resource Centre’s in Co Sligo and from the Council offices.
Sandra Cribben is the manager of the Tubbercurry Resource Centre, she says the booklet will offer advice for families when it comes to coping with Covid-19:


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“How can we thank God enough for you in return
for all the joy we have in the presence
Of our God because of you?”
1 Thessalonians 3:9 (NIV)
Paul penned these words to a very young church. He, Silas, and Timothy He asks a question of whoever reads this letter. “How can we thank God enough for you?”
Paul and his missions team, like the present day evangelists, receive great joy when we someone comes to know the Lord. Present day. We become joyful when someone makes a commitment to the Lord.
When we have friends do something for us, how can we thank God for them? We can pray for them. We can praise the Lord for their help.
When people choose to turn their lives over to Jesus and let Him guide them, how can we thank Him for their new lives? We can pray for them? We can praise the Lord for their salvation?
Being in God’s house with like-minded believers gives us added joy. I find myself somewhat down when I haven’t been able to be with my brothers and sisters-in-Christ. We buoy each other up and we find ourselves re-energized, ready to face what the world and life has in store for us. God is so good.


text:
This has been my soulful positive energy music for the past few weeks. It delivers instant Saturday vibe on any day of the week.
After Kruder & Dorfmeister’s new release here’s a new album by dZihan & Kamien. Alright, so what’s going on? Is nu jazz making a comeback or what? In any case this is a totally fine album, as good as any Couch Records release from back in the day. I’ll be instered to see whether this series continues or even someone tries something new with the future jazz angle. Maybe even Jazzanova produces something new AND worth listening to?
This is a quintessential trip hop record. Hip hop beats with blue moods and jazzy instruments. Lamentation on life withouth words.
Moody ambient jazz and the occasional romantisches saxophone.
Very laidback, very smooth, very relaxing, very laying around on a terrace in summer. Hiphop and Jazz and soul and funk.
That jazz techno, on the level I expected. Apparently acoustic techno is a thing on last.fm and the top artist is Brandt Brauer Frick. (The second one is Dawn of Midi, so now I’m intrigued.)
So, this is jazz. Although I also think this is post rock. And modern classical composition. And has some electronic music rhythm to it sometimes. Anyway this is beautiful.
Some tracks are not for me on this one, but the one titled Law is just amazing. Post-rock meets breakbeat meets jazz.
Hugely satisfying and absolutely relaxed mix of tracks through the hiphop-soul-groovy-nujazz axis. This is why I listen to good selections like the DJ Kicks or Late Night Tales releases in the first place. I mean not the specific genre but the top-notch selection.
There is soul.


text:
The MP Pauline Latham will step in to adopt Sajid Javid’s private member’s bill to end child marriage after his promotion to health secretary.
Javid presented a bill raising the minimum legal age of marriage to 18 in England and Wales to parliament earlier this month, but is not able to take it forward because he is no longer a backbencher.
Latham who has campaigned to end child marriage for more than three years, and brought forward a similar bill in the previous parliamentary session, will guide Javid’s bill on to the statute books.
She said: “The current law on age of marriage is nearly a century old, and was as much about protecting property rights as it was about love. The loophole that allows 16- and 17-year-olds to marry with their parents’ consent is now more often used as a mechanism for abuse.”
Latham added: “The UK has made international commitments to end child marriage, and this bill will ensure the country leads by example to eradicate the practice worldwide.”
Javid said child marriages are associated with appalling outcomes, including a heightened risk of domestic, sexual and so-called “honour”-based violence.
He said: ““As far as I’m concerned, child marriage is child abuse. No one pressures their 16-year-old into getting married for good reasons. I’ve seen testimony from young women describing how their parents attempted to marry them off to settle debts, strengthen family links and to prevent them from being with the people they love – especially those of the same sex.”
In 2019, more than a quarter of cases, 363, dealt with by the UK’s Forced Marriage Unit involved children under the age of 18.
The Ministry of Justice wrote to child marriage campaigners earlier this month assuring them the government would support raising the minimum legal age of marriage to 18.
Payzee Mahmod, survivor of child marriage and campaigner at IKWRO, said: “It is a really positive step but it is crucial child marriage is also made a crime so young people are protected from every type of marriage, including religious and cultural non-registered marriages, and to prevent British men from marrying children from abroad.”

domain: news


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text:
Belmont Increasing Digital Capacity, Parking Mayweather-Pacquiao Contract Now Signed Dew Tour Headed To L.A., Chicago Mayweather-Pacquiao Contract Still Not Signed S.F. To Host "Super Bowl City" Ahead Of Game Security At The Boston Marathon Forever Changed Eugene Surprise Winner For World Outdoors Tickets Needed For Mayweather-Pacquiao Weigh-In MetLife Stadium Not Bidding For Upcoming CFPs Eugene Awarded '21 World T&F Championships
Upcoming Conferences and Events
VAIL URGED TO HALT EXPANSION AMID ANONYMOUS THREATS
Published October 23, 1998
Earth Liberation Front, a "radical" group that claimed responsibility for burning down $12M worth of buildings on Vail Mountain, said in an anonymous e-mail message that, "For your safety and convenience, we strongly advise skiers to choose other destinations until Vail cancels its inexcusable plans for expansion," according to Robert Schwab of the DENVER POST. Despite the warning, Vail Resorts execs said "construction already under way will continue." Vail Resorts Chair & CEO Adam Aron said that although he is taking the message seriously, "there is no reason to be worried" about threats of more damage and he is "trying to create an atmosphere of calm surrounding the bombings." Vail Resorts President Andy Daly, on the group's note and its "implications" for the public: "We'll have to assure them that we are taking care of it." Execs said the resort plans to increase security (DENVER POST, 10/23).


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An awful tragedy happened with the 14-year-old Breck Bednar and those who loved him. Breck Bednar was only 14 when he was murdered by Lewis Daynes, the person he has previously met online.
The 14-year old boy, Breck Bednar, was groomed and murdered by Lewis Daynes, a psychopathic, narcissistic paedophile he met in a web gaming forum. Of course, and, unfortunately, this little boy is no longer alive and his family could do nothing with that. Still, his mother found herself the forces to try to help other parents. She founded Breck Foundation (hashtag #playvirtuallivereal), aiming to open people’s eyes to how dangerous and risky the internet, in reality, might be. She also tries to prevent other parents from ignoring their kid’s online world. Parents should know what their kids are doing and which people they are socialising with. It would be also wise for modern parents to install mSpy to secretly keep an eye on all stuff their kids do and all people they communicate.
Meanwhile, we remind you that mSpy now is one of the key instruments to safeguard modern children online. It is one of the best ways nowadays to really acknowledge any child’s interests and concerns. With the GPS tracking, parents can know if their children are in the wrong or dangerous neighborhood; with the messaging records, including texts, emails and most messengers – the cyber-bullying problem can be prevented. With the web browsing history reports, concerned parents can make sure that children are not spending time on pornography or gambling websites.


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Ivy students protest frat’s Beyonce sex doll with mock slave auction
The slave auction was part of the group’s “Ferguson Friday” protest that began last semester.
A student group at the University of Pennsylvania held a mock slave auction Friday to protest a fraternity on campus that included a Beyonce blow up sex doll in their Christmas card photo.
Phi Delta Theta was put on probation after the Christmas photo surfaced and has since apologized.
A group of students at the University of Pennsylvania held a mock slave auction Friday afternoon to protest the Phi Delta Theta frat’s purchase of a Beyoncé blow up sex doll.
The students, a part of UPenn’s Students Organizing for Unity and Liberty ( SOUL) student group, held the slave auction to protest the fraternity’s use of a black Beyoncé blow up sex doll in their Christmas photo in December—comparing the purchase of the doll to the purchase of slaves. The protest was a part of the group’s weekly “Ferguson Friday” demonstrations that began in the fall semester.
“The historical relationship between White males and Black females has been one of purchase, rape, and domination,” SOUL wrote on the Facebook event page. “We haven't forgotten about this and remain unsatisfied with the university's response and punishment of Phi Delta Theta.”
According to the Daily Pennsylvanian, UPenn’s student newspaper, the student “auctioneers” held up signs that read $14.60—the price of the blow up doll.
"When you walk on Locust, you're not supposed to feel the violence that is this house," Victoria Ford, a UPenn student, reportedly said during the demonstration.
"For four months, I have walked in front of this house and have lost all sense of worth," she said. "No more."
The doll was allegedly a gift one of the Phi Delta Theta brothers received during a Secret Santa exchange, for which the fraternity apologized immediately, claiming that “once removed from the packaging, it bore no semblance to the artist beyond skin color, adding to its offensive nature.”
Phi Delta Theta apologized for the photo in December, was put on probation by its national organization, and was mandated to complete sensitivity trainings.
Student protesters also painted their heads to symbolize and protest police brutality on Friday.
"SOUL's activism in this instance isn't commensurate with what Phi Delta Theta did last semester,” Aidan McConnell, a junior at UPenn, told Campus Reform. “By hosting a slave auction outside the fraternity, SOUL seems to be using what was ultimately a tasteless mistake and transforming it into a truly unfair narrative about people who are trying to make amends with other university groups. It's a very callous way of drawing attention that only damages SOUL's legitimacy on campus."
According to the student newspaper, one fraternity member participated in the mock slave auction with his peers to show solidarity for their cause. He reportedly also painted his face. Other fraternity members watched the demonstration, and one member attempted to speak to the protestors but was told they did not feel as though the fraternity was actually “sympathizing” at all, according to the Daily Pennsylvanian.
“We do not ignore or minimize the psychological and emotional impacts of confronting white male dominance in its face. However, we genuinely believe in our collective ability to heal and provide strength for each other,” reads a posting by SOUL on its Facebook page publicizing the event. “We encourage women, especially, to come and express their rage, to help us envision this demonstration for Friday. We want you all to know that we are adamant about nurturing a space where all voices are heard, but especially uplifting and furthering the visions of women of color, queer, and transgendered individuals.”
SOUL is an official student group on campus that holds “Ferguson Friday” protests and events on campus. Campus Reform originally reported in November that the students held a mock funeral for “black and brown bodies” apparently killed because of racism and capitalism.
Follow the author of this article on Twitter: @K_Schallhorn

domain: sociology


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- There are currently 4 catagories of Forsaken Armor. Iron, Steel,Titanium & Depleted Uranium.
- Forsaken Armor is researched in the Naval Lab.
- Researching Forsaken Armor has the additional benefit of unlocking the ability to build higher level turrets in your base.
|Depleted Uranium I
|Depleted Uranium II
|Depleted Uranium III
|Depleted Uranium IV
- Depleted Uranium 4 is a common goal for players to attain so they can build level 4 turrets.
- A tip: DU4 is the only armor "worth researching". DU2 and DU3 are not worth the time in researching prior to DU4 but is a great way to get additional XP later on in the game.
- Titanium armor is useful in the early game; then you will graduate to DU4 and eventually most of your ships will employ Draconian Armor by the late mid-game (say you are now a level 42 or higher) .
Pages in category "Forsaken Armors"
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domain: game


text:
Luxury fan blue Polka
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This fan is a piece of art of feather marquetery. The ebony frame is embellished with an association of ostrich and peacock (neck feathers). The petroleum shades enlighten the black base, vibrating with grace once in hand.
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2 221,00 €


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This storybook ending for Melanie Kazmercyk and Eric Morgridge was nine years in the making. After connecting on a dating website in 2014, Morgridge sent Kazmercyk a message about one of her photos in which she brandishes a sword from The Lord of the Rings franchise, something near and dear to both of their hearts. Two bottles of wine later (they “closed” the restaurant that night), they knew that their love story was more than a fairytale — it was the real deal.
In the winter of 2021, Kazmercyk and Morgridge stole away for a romantic getaway to a secluded lake house in New Hampshire. After a full day of ski lessons on the slopes, the two hadn’t had enough of the gentle snow starting to fall. Bundling back up, they ventured outside to play in the fresh powder. Between giggles and snowflakes, Morgridge fell to one knee and proposed — complete with Lord of the Rings references for good measure. When it came time for the engagement photos, model and creative director Kazmercyk took the fantasy idea and ran with it. “I wanted to go all out,” she explains. “We got such great feedback, and it was nice that it didn’t have to be the standard engagement shoot.” Set against Breitenbach Castle in Altamont, clad in elaborate medieval garb (and weapons!), the two seemed plucked straight out of a novel, holding true to the roots of what brought them together.
Held at the pastoral Seven Ponds Farm in Summit, the rustic outdoor ceremony offered an intimate and mellow tone, much like the couple themselves. And for many taking planes, trains, and automobiles to attend, the venue was ideal as a hub for all wedding festivities. “We knew we had a lot of family traveling in for the wedding,” explains Kazmercyk. “From the rehearsal to Sunday brunch, we knew we wanted to do the whole weekend.”
From tasteful subtleties to self-proclaimed “dorky” details, every step was curated and personalized without leaning too hard into the theme. “We didn’t want any of the old traditions, and we’re not religious,” says Kazmercyk. “So, we thought, let’s make a new tradition, and wanted to go dorky in the classiest way possible.”
The pre-ceremony music was filled with instrumental versions of fantasy movie and video game music themes, and the ceremony was speckled with Tolkien references. Perhaps one of the most awe-inspiring moments was the presenting of the House Sword they had forged from two different metals for the occasion. When the vows were said and the bride was kissed, the two were officially introduced as “Lord and Lady.”
While the gowns and armor could be squirreled away for the Ren Faire, Kazmercyk encouraged her guests to bring a prop or some accessories to get in on the fun — one guest even carried an axe. “It was really lovely to have our guests involved in that way and want to be part of it.”
The seating chart displayed artist watercolor paintings of locations from Middle Earth, and each table had a location theme, such as The Shire, Gondor, and Rivendell. Moss, ferns, floating candles, earthy fall flowers, lanterns, and fairytale-themed wine charms adorned the dinner tables, letting the feeling of whimsy hang in the crisp fall evening.
The bride’s dress was volumized with layers of tulle, capturing the ethereal and romantic vibe of the day. In lieu of traditional bouquets, the bridal party carried lanterns adorned with cascading ivy while sporting elegant rust-colored gowns. The groomsman, also playing off of the autumnal color palette, wore forest-green suits with brown accents.
For Kazmercky, there is no moment that stands out as most memorable — the entire day, from start to finish, was dreamier than she could have imagined. But if she had to pick a moment when she realized it had all come together, it was their first dance as a married couple. The two floated across the floor with a choreographed routine to Disney’s “Once Upon A Dream,” as their own love story’s next chapter was written before their eyes.
Jessie Casey Photography
Selene Bridal Alterations & Custom Designs
Matty Stuart of MD Music & Entertainment
Hans of Behold Films
Brittany Burl of Krystal Rose Studios
Leah Francesca Makeup
Amanda Kingsley of Allora Farm & Flowers


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Singer Sporthotel & SPA
|Package||SPA & Golf|
|Property||Singer Sporthotel & SPA|
|Segment||Destination Spa, Golf|
|Member of Relais & Châteaux|
Wellbeing and teeing
Golf and SPA go hand in hand at Singer Sporthotel & SPA in Berwang. Just 12 minutes from the four-star superior hotel you’ll find the 9-hole Tyrolean Zugspitz golf course – one of Tyrol’s most impressive and surrounded by a fabulous Alpine landscape. Not only is the course itself set in natural meadows and designed to the highest, most up-to-date standards, but the location is second to none: at the foot of the Wetterstein mountain range that includes Germany’s highest mountain, the Zugspitze.
During your five-night stay at Singer Sporthotel & SPA you’ll benefit from a golfing welcome in your room on arrival and can choose from either two 18-hole green fees or three 9-hole green fees for the Tyrolean Zugspitz golf course. And that’s not all! After a sunny day on the green you can retire to Singer’s huge destination SPA for ultimate relaxation: a classic back massage, foot reflexology massage and Tyrolean shale oil bath are all included in your stay – perfect for soothing tired muscles.
- Award-winning restaurant
- 20% off green fees at the Tyrolean Zugspitz golf course
- 1,800m destination SPA
- 10,000sqm Alpine Relaxation Garden
- Indoor-outdoor heated pool
The Relais & Châteaux Singer Sporthotel & SPA is located at 1,336m above sea level in tranquil Berwang – the Tyrolean Zugspitz Arena’s highest village. Guests are immersed in a living culture of pleasure with award-winning cuisine and a luxurious SPA experience. Singer Sporthotel & SPA hotel boasts a 1,800sqm destination SPA, arranged over three levels and with fantastic SPA facilities including an extensive sauna landscape and indoor-outdoor heated pool. Culinary delights range from award-winning haute cuisine to regional specialities with a touch of internationality. The family-run hotel is in its third generation and providing the highest level of personalised service is their nature and a top priority.

domain: travel


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Vodafone Group chief executive Vittorio Colao has told investors the company "would consider" selling its Australian operations along with other non-core assets and has been checking with potential buyers.
Vodafone Hutchison Australia is a 50-50 joint-venture between UK-based Vodafone Group and Hong Kong's Hutchison Whampoa Limited.
But analysts and banking sources have warned the company would struggle to find a buyer for the business until there are clearer signs Vodafone Australia has recovered.
Mr Colao was speaking at a Morgan Stanley technology, media and telecoms conference in Barcelona this week when asked if he'd consider the sale of operations in Australia, Hungary and the Czech Republic.
"We constantly check with possible parties interested in some of our less core assets," MrColao reportedly said. "We would consider sales but we are not distressed sellers so therefore we must sell at full value. Otherwise we keep them and manage the cash."
After the comments emerged, Vodafone Australia said in a statement Mr Colao was referring to the general principle that Vodafone was open to potential changes to its portfolio and it had no specific plans to sell.
Any sale would come at a critical time for the Vodafone Australia as it attempts to repair its reputation after a network meltdown dubbed 'Vodafail'. It has lost more than 2 million users over the past two years and is continuing to lose customers but the rate of decline has greatly slowed in the last few months.
The joint-venture nature of Vodafone Australia also means all major decisions must be accepted and funded by both parties, which in turn makes it less attractive to potential buyers.
Telstra's dominance of the local mobile market and SingTel-Optus' position in second place means it is hard for a third-placed player to turn a strong profit.
"Ultimately in any deal you have to find a buyer and I think that's the real hurdle here," said one senior analyst, who declined to be named. "You're most likely player would be an overseas mobile provider but there aren't many out there that are buying.
"Locally there's sense putting mobile and fixed-line services together so TPG Telecom would be the one that springs to mind."
Where Vodafone Australia currently pays fixed-line providers to send its mobile data for phone and internet services across the country, a merger with a fixed-line player would help it slash costs and let it sell fixed-line broadband services for the first time.
Sources said it has previously considered buying both iiNet and TPG Telecom.
TPG would benefit by getting more use out of its networks and gain the ability to bundle a wide-range of telecommunications services. It would then be able to take on Telstra and SingTel-Optus and be in a better position to target the corporate market.
TPG is also one of the few Australian telecommunications companies that is big enough to attempt a merger or acquisition of Vodafone Australia. Telstra and Optus are unlikely to get permission from competition regulators to make such a move.
Earlier this month Swiss banking giant UBS said Vodafone Group should sell Vodafone Australia to focus on European and Asian growth businesses in a move that could earn it $2.68 billion.
UBS head of European media and telecoms Polo Tang told clients Vodafone Australia was "struggling" and a prime candidate for sale along with several other divisions.
Mr Tang said selling off non-core businesses would give the parent company £4 billion ($7.29billion) that could be reinvested into businesses with better potential for growth. Vodafone's stake in its Australian operations alone would be worth $2.68 billion.
The company is still losing customers despite previous chief executive Bill Morrow pledging that subscriber growth would bounce back to positive levels by mid-2014.
But the rate of decline has slowed and the company began a three year turnaround plan under Mr Morrow that is due to be completed by 2015. His replacement Inaki Berroeta has spent almost $1billion in the past 12 months alone to help fix the network and catch its rivals.


|The first international freight transportation service is launched at Kép station last week. VNA/VNS Photo Đồng Thúy|
BẮC GIANG — The Kép railway station in the northern province of Bắc Giang has launched its international freight transportation services.
In his remarks at a ceremony on Saturday last week, Vice Chairman of the provincial People’s Council Nghiêm Xuân Hưởng stressed that such international services were expected to help ease the congestion of goods in the border area and pressure on the two present international railway stations – Đồng Đăng and Yên Viên.
The services also enabled Bắc Giang to open an international border gate in the locality, he added.
The Ministry of Transport said that in implementing the Prime Minister’s Directive No. 03/CT- TTg, the transport sector had sped up the implementation of yearly plans and projects since the beginning of this year, including those on international freight transportation services, thus facilitating cross-border exporting activities.
Kép station has seen its infrastructure upgraded after the ministry decided to turn it into an international one, with all items now ready for the first phase of operation.
There will be a fleet of trains running from Kép to Đồng Đăng station in the border province of Lạng Sơn and then to China’s Pingxiang station.
The Kép station’s handling capacity is from 80 to 100 carriages or containers per day. Freight includes electronics and industrial products, construction materials, industrial wood, and ore.
A bonded warehouse is expected to be built at the station to serve the import and export activities of enterprises in Bắc Giang and Bắc Ninh provinces and neighbouring localities. It specialises in receiving refrigerated containers transported from the south which will then be exported to China.
Currently, the VNR is managing several international freight terminals, including Lào Cai, Yên Viên, Hải Phòng, Đồng Đăng and Giáp Bát.
The demand for international freight railway transportation grows 6 per cent annually. Notably, since 2022, about half of the cargo has been transported in containers. — VNS


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Tribune: Poll: Most voters blame politicians, not unions, for pension mess
by Rick Pearson - Chicago Tribune | 10/16/2012
Illinois voters overwhelmingly blame politicians for creating the state's public employee pension mess, but like elected officials, they're divided about plans to fix the problem, a new Chicago Tribune/WGN-TV poll shows.
The survey also found that Downstate and suburban residents oppose a major push by Democrats including Mayor Rahm Emanuel and Gov. Pat Quinn to gradually shift the costs of teacher retirement benefits on to local school districts outside Chicago.
The issue of public employee pensions is a significant one for Illinois as well as for Chicago and the suburbs. The state has the largest unfunded pension liability in the nation, at least $83 billion. The practical effect: Ratings agencies downgraded the state's creditworthiness because of lawmakers' failure to address the problem, including a do-nothing special legislative session in August. It could cost the state more to borrow money.
Pension costs threaten to gobble up state and city budgets. Quinn has warned that without reforms, the state's annual pension payment is on pace to eclipse funding for education. And Emanuel warned last week that without action in Springfield, the city would need $700 million more just to pay for police and firefighter pensions in 2015.
Moreover, a Tribune/WGN-TV investigation has uncovered several instances of abuse in which union officials and others have benefited from changes in state law to receive lucrative taxpayer-funded pensions.
The poll found that 51 percent blamed the state's politicians alone for Illinois' pension problems while only 2 percent said it was just the fault of public workers. Another 32 percent said they believed it was a combination of state workers and politicians who created the problem.
The finger-pointing at politicians was widespread. Almost half of Chicago and suburban Cook County voters blamed their elected officials, while 55 percent of collar county and 51 percent of Downstate voters put the onus on politicians alone. Fully 55 percent of Democratic voters blamed politicians, but among Republican voters, 47 percent faulted elected officials and 37 percent contended the problem was politicians and state workers acting together.
Brian Foggs, a 29-year-old from the Chicago Lawn neighborhood, blamed politicians for the pension mess, not state workers.
"These people aren't being unreasonable. They just have to take care of bills," said Foggs, a poll respondent.
A study released this spring by the state's Commission on Government Forecasting and Accountability found that of $64 billion in increased unfunded pension liability that built up from the 1996 through 2011 budget years, $28.4 billion was due to the failure of government to put enough money into the state's five pension systems.
Quinn's efforts to reform state public pensions have been met with criticism by Illinois' politically powerful public employee unions, who traditionally have been a core ally of Democrats. After lawmakers failed to act in August, the governor promised a grass-roots campaign to help the public understand the depth of the problem, but nearly two months later, there has been nothing.
Late last week, Quinn said his administration was "working on a very good program, I think, that will involve the people of Illinois in this mission" of pension reform.
"We have to have public pensions for the retirement of our public employees, but we have to make fundamental reforms that make it affordable for the public and the taxpayers," he said. "We've talked to a lot of legislators. I think we're going to do pretty well once the (Nov. 6) election comes and goes."
But voters aren't happy with one of Quinn's plans, which also has the backing of Democratic House Speaker Michael Madigan and Democratic Senate President John Cullerton. The proposal would gradually shift the state's share of the cost of teacher pensions in suburban and Downstate schools on to local school districts — and local taxpayers.
Republicans have argued repeatedly that such a plan would result in property tax increases or cuts to property tax dollars now dedicated to the classroom. Quinn and others have maintained that by implementing the shift gradually, it would have a minimal effect.
Emanuel has pushed the cost-shift proposal, arguing that Chicago property tax payers already are responsible for the tab for pension benefits to retired Chicago Public Schools teachers. The mayor has said Chicago residents are being double taxed by also contributing to teacher pension benefits for the rest of the state. But opponents contend that Chicago gets more than its fair share of overall state dollars earmarked to schools.
Statewide, the poll found 47 percent of voters rejected the cost-shift proposal, while 32 percent supported it. Another 21 percent didn't know enough about the plan to form an opinion.
Only in Chicago is there much support for the cost-shift plan — 48 percent backed it while 30 percent opposed it. Alicia Burns, 79, was a city taxpayer who supported the idea.
"The districts should cover their pensions and not the state," Burns said. "Chicago does. When you raise your pensions locally, you can do what you want with them."
But the plan isn't gaining traction in places where taxpayers fear they stand to take the hit. In the collar counties, 55 percent said they were against the plan while 35 percent supported. In suburban Cook, 49 percent opposed and 34 percent supported it. And Downstate, 50 percent were opposed while just 21 percent backed the idea.
The proposal also drew 55 percent opposition from white suburban women, moderate voters that include so-called soccer moms especially concerned about education. Only 28 percent of that group backed the cost shift. Among independent voters, a key demographic that influences state elections, the idea was rejected 44 percent to 31 percent.
Voters across the state were even more divided on another plan pushed by Democratic leaders that would alter benefits for current retirees and existing state workers.
Under that plan, workers and retirees could choose to forgo an annual compounded 3 percent cost-of-living increase to their pension in exchange for being able to have access to the state's health insurance program. Workers and pensioners who choose to keep the cost-of-living increase would have to find their own health insurance.
Emanuel has noted that the compounded cost-of-living increase has been a large factor in driving up the unfunded pension liability.
The poll found that 32 percent of the state's voters favored the plan, while 35 percent opposed it — within the survey's 3.7 percentage-point margin of error. Another 33 percent of voters didn't know enough about the proposal to take a side.
Democratic voters opposed the plan 38 percent to 32 percent, but Republicans were slightly more in favor than against, 35 percent to 32 percent. The poll of 700 likely Illinois voters was conducted Oct. 4-8.
Next Post: In These Times: War on Teachers: Pick a Side


text:
Promise Homepacks has confirmed it will go ahead with the launch of Home Information Packs (HIPs) from 1 June, despite the government's decision to delay official implementation until 1 August.
In a statement to the House of Commons yesterday Ruth Kelly, Secretary of State for Communities and Local Government, announced the delay following the launch of a Judicial Review last week by the Royal Institution of Chartered Surveyors (RICS).
She revealed an order handed out by the judge last Wednesday meant Energy Performance Certificates (EPCs) would have to be removed from HIPs “for the time being”.
As a result, Kelly says the government and RICS had resolved a way forward, which involves the phasing in of HIPs from the 1 August for four bedroom homes, and larger houses, before including other properties once more Domestic Energy Assessors become accredited.
However, Darren Beech, managing director of Promise Homepacks, argues the HIP industry is ready now, and says it will prove yesterday’s announcement is an “unnecessary delay” by pressing ahead with a 1 June launch “regardless of the unwanted and confusing changes announced in Parliament”.
He confirms the Voluntary Information Packs (VIPs) which it will make available will include Energy Performance Certificates. As it is voluntarily providing the packs pre-regulation, it can use the 522 registered DEAs, and if necessary “dip into” the 2,500 qualified assessors who have not yet been registered.
He points out Promise Homepacks has been delivering VIPs for three months, as part of the HIPs ‘dry run’, and says it actually sold the most VIPs ever yesterday morning before the announcement as it has had no problems getting EPCs, with the longest delay taking just seven days.
Beech says the company has the support of the majority of its estate agents and solicitor partners and will be launching a suite of products starting at £199 from the 1 June which it believes will be of great benefit to home sellers and buyers alike.
Beech adds: “With yesterday's fiasco, and the subsequent disquieting news from the Estate Agent Ombudsman that complaints are on the increase, it is about time those with a vested interest in the property industry stopped listening to bureaucrats and institutions and took a hold of things themselves before the public completely loses faith in our industry.”
“HIPs may not be everyone’s answer to the problems that our market has but they are a start and they are certainly a lot better than the current lack of information.”
To make any comments on this story contact:
Tel: 0207 034 2681
Email: [email protected]
Partner Insight Video: Advisers have had to adapt to the changing investment landscape.
Investment trust savings scheme

domain: economics


Any extra power you create utilizing your photovoltaic panels, if you’re attached to the grid, will be paid for by the energy business. Accountancy for a solar power system’s electrical energy manufacturing and making it possible for utilities to purchase excess energy from property owners, internet metering is admitted 30 states. One of the most frequently used choices is a solitary, reversible meter. As a solar energy system creates electrical energy, the kilowatts are used very first to satisfy on-site power demand. Excess electrical power is after that fed right into the grid, transforming the electric meter backward, as opposed to being saved in a battery. The house owner is credited for the added kilowatts at the end of each metering duration.


text:
Item Number: D152
Size: Image: 5"x8", Sheet 9"x12.5"(not all of margins shown in photo)
Comments: Original color lithograph from "Animate Creation" published 1885 by Selmar Hess, NY. The color plates from this set were printed by Louis Prang Co. of Boston, which was famed for the spectacular quality of chromolithography, a printing process which is rarely used today.
Condition: Excellent, fine color and paper quality, unmatted and unframed.

domain: library


This paper deals with the correlation of the fatigue tests results obtained on standard and miniature test samples. The aim was to compare the fatigue properties (Wöhler curves) of the samples of 15CH2NMFA steel of different cut off CT/50 test specimens after fracture toughness tests. The advantage of the use of these miniature samples is the minimum volume of removed material necessary for the production of test samples. This makes it possible to check the components in service, e.g. pressure vessels, steam turbine casings and rotors, steam pipelines, and other components of power plants after some time of operation in order that the residual lifetime could be determined. The article discusses the design of tests samples and clamping fixtures, test conditions and resulting correlation of test results.Keywords: Small fatigue test, SFT specimens, Miniature fatigue testing, Small punch testing, 15CH2NMFA
© This is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.


text:
THE MARKETS: COMMODITIES
Published: February 23, 1999
SOYBEANS FALL. Soybeans fell close to their lowest price in 23 years on expectations of bumper crops in Argentina and Brazil. On the Chicago Board of Trade, soybeans dropped 4.25 cents, to $4.74 a bushel.
Graph tracks soybeans prices (near-month contract), since August 1997. (Source: Bloomberg Financial Markets). It also lists the 52-week highs and lows of selected commodities, along with their closes yesterday and their changes, yesterday, year to date, and over the past 52 weeks.


Spectrum Volume 19 Issue 11 - November 7, 1996
Charles Steger, vice president for Development and University Relations, has announced that Larry Hincker has been promoted to associate vice president for University Relations.
Hincker has served as director of University Relations since 1990. He is responsible for the university's public-relations, publications, and electronic-communications activities. WVTF public radio also reports to Hincker.
"The reclassification of Larry's position is fitting as it more accurately recognizes the level of leadership that he provides and the scope of his responsibilities," Steger said. "His new title underscores the important role that the Office of University Relations plays in Virginia Tech's strategic initiatives in institutional advancement."
Steger said this restructuring brings the office's organization structure more in line with the strategic goals of the university's communication and development efforts.
"I am appreciative of the recognition of the role which communications and public relations plays in the life of the university," Hincker said. "The Office of University Relations will continue to provide support for all university initiatives supporting the missions of education, research, and public service."
Hincker credits the faculty and staff members under his direction for the organization's quality work and reputation as a highly professional organization.
Hincker came to Virginia Tech in 1988 as director of Educational Communications. He studied architecture at Virginia Tech, and recently earned an MBA from the Pamplin College of Business.


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TANYA ROCHAT SENIORS PORTRAITS
WE BELIEVE IN…
Making the senior portrait experience a memory in and of itself.
Here at Tanya Rochat Portrait (TRP), we strive to offer the best senior portrait experience around.
We work to make your session a customized experience in which your true personality shines through in your images. We offer a 3-hour photography session for our senior photography and graduation portrait clients. It’s important for us to take our time with our clients to create a natural, relaxed and fun senior portrait experience! That way, you can make a ton of changes in locations, wardrobe, hair and makeup so that you can have plenty of variety for your senior portraits and products!
Your day will begin with a professional makeup artist and hair stylist who uses only the best High Definition (HD) camera ready products on your face and hair to make you look your best for your senior portraits! Rest assured that Tanya will personally be the photographer. You will never find that another photographer replaced Tanya.
Every senior gets to choose her own style to ensure your images reflect your personality. Want to get all glammed up? Great! TRP can do that! Want to keep it natural? Perfect! You can do that too! It really is completely up to you!
Once you are camera ready, you will begin your 3-hour senior portrait session! Tanya, who is also a qualified fashion designer, will personally help you with your outfits and make sure that each outfit matches the location and desired result. You will also have the option to have Tanya create an outfit for you to complement your session wardrobe! Drawing on her years as a fashion designer and stylist, you are sure to look your very best! You will then begin the shooting portion of your session. Tanya strives to make sure you’re comfortable in front of the lens and will show extensive details for natural posing in every way. You can be assured that your session will be one of your favorite senior memories!
It’s your turn to feel like a model for a day and have magazine worthy photos.
You do not need to worry about being “photogenic” or “good in front of a camera.” It’s my job to pose you and direct you through your entire photo shoot and to give you the most beautiful photos ever!
When you arrive on the day of your shoot, we will go through the outfits you brought. Next, you will have your hair and makeup professionally styled.
I want your personal style to shine through, so you will work together with the stylist to decide how you want your makeup done. You get to wear 5 different outfits for your photoshoot, so you can have fun with this!
We will start your shoot in my studio with an outfit or two before heading outside to a location of your choice for the rest of your photos.
FREQUENTLY ASKED QUESTIONS
WHAT IS YOUR EDITING PROCESS?
I personally retouch every single photo that we show you. This is a boutique photography studio and I would never show you unfinished images! I will naturally enhance your photos so that you look your absolute best.
WHEN WILL MY PHOTOS BE READY?
You can expect your photo viewing to take place about two to three weeks after your photoshoot. It is during your photo viewing that you will decide which package you would like to purchase.
DO I DECIDE HOW MY HAIR AND MAKEUP WILL LOOK?
Yes. My amazing hair and makeup stylists will talk with you about what type of look you want and she can also make suggestions if needed!
WHERE WILL MY PHOTOSHOOT BE?
We will start with hair and makeup styling in my studio, which will typically be a one and a half hour pam- pering session. This usually includes 1-3 outfits inside the studio (depending of what you want). Then, we will head to your outdoor location for your remaining outfits.
HOW DO I BOOK YOU AND WHEN?
The only thing needed to book your photoshoot date is the session retainer fee. You decide which pack- age you want to purchase during your photo viewing. Make sure to book your shoot early! We book up quickly. Most schools have a deadline for your yearbook photos, so make sure you check with your school!
WHAT SHOULD I WEAR?
You can wear up to 5 outfits! You get to let your style shine and have different looks. I will send you a “What to Bring” list so that you will be prepared.
HOW LONG WILL MY PHOTOSHOOT LAST?
From start to finish your makeup and photoshoot will last about 5 hours.
Do you have more questions? Feel free to email me at firstname.lastname@example.org
LUXE PRODUCT COLLECTION
The TRP Folio Boxes are handmade, clamshell-style presentation boxes available in either linen or buck- ram. Shallow, Standard or Deep capacities can hold from 10 to 25 matted images.
The photographic images are hand printed on 100% archival photo paper that is guaranteed to last more than 99 years! They are double matted, which leaves each image extra thick and double protected for you to either keep in your box, display on a mantelpiece or have framed. Our clients always gasp when they see their gorgeous legacy images inside their luxury keepsake box.
There’s nothing like showcasing your favorite senior images in a gorgeous framed collection in your formal living room, staircase, hallway, entry or family room.
Featuring industry leading photographic papers, top of the line printing technology, and our lab’s eye for quality, our fine art prints are bound to blow you away. Larger prints are mounted with exceptionally strong material that is resistant to warping or denting and luster coated to provide protection to your photographic prints so that you know your prints will stand the test of time.
Graduation announcements are a fundamental element of your senior year. Customize your cards with your images and match any color and pattern to showcase tailor made announcements that embody your personality. With our exquisite press printing quality and selection of designs, your announcements are sure to impress.
THE TANYA ROCHAT PORTRAIT TIMELINE
3 TO 12 MONTHS IN ADVANCE
BOOK YOUR SESSION DATE
Tanya Rochat Portrait usually sells out of senior session availability many months in advance. That means that all my most popular spots are already booked.
To book your session, a $190 session retainer is due. This will lock in your session date and pay for your session itself.
Upon booking with TRP you will be able to pick a session date and secure it as well as receive a confirma- tion email complete with your contract, studio address, the date and time of your makeup & hair appoint- ment as well as that of your session time.
1-3 MONTHS BEFORE YOUR SESSION
TRP WELCOME PACKET
About 1-3 months away from your TRP session, you will receive the most fabulous envelope in the mail! Inside you will find a wealth of information to help you get ready for your senior portrait session! Every- thing from TRP’s famous What to Wear Guide, Nail Guide, Graduation Announcement samples, and ev- erything in between!
This packet will help you plan your outfits and even help you dress for your body type so that you can look your absolute best for your senior portraits!
2-4 WEEKS BEFORE YOUR SESSION
SENIOR SESSION STYLE SURVEY
About 2-4 weeks before your TRP senior session, you will receive an email from me with a session remind- er as well as a survey to help you get ready for your session day! I want to know everything about you! Your personality, your favorite senior memories, your favorite fashion piece that you own, your favorite place to shop and a ton of other information. This will help me prepare for your session and customize it to your personality!
Whoo hoo! It’s finally here! The day you’ve been waiting for has finally come! All sessions usually begin about five hours before the sun sets. At that time, you will get your hair and makeup done and we will go through your wardrobe ad make sure to match it to your location.
Speaking of locations, get ready! We will start in the studio, and then go outdoors and photograph you in different kinds of light and poses. Your photography session will last for about three hours and will be over as the sun starts to set!
2-3 WEEKS AFTER YOUR SESSION
PREMIER ORDERING SESSION
As soon as your beautiful images are edited, you will come back to the studio for your in-person ordering session! We will start our session off by viewing your photos in a beautiful senior slideshow set to music. Then I will show you all the products that TRP offers and you can touch, feel and handle them all you want! I want you to know and fall in love with exactly what you’re purchasing before you do!
During your ordering session, you decide what photos will go in your folio box. I can help you decide what photos will go best with your decor and what size will look great over your entry way. My clients love that I can help them decide what goes where.
4-6 WEEKS AFTER YOUR SESSION
PRODUCT PICK UP
Immediately after your premier ordering session, I will process your payment and your order will be on its way! Once it arrives to the studio, we will go over it with a fine-tooth comb to check it for quality manage- ment! When we find that everything is perfect, we will package it in our signature boxes and totes and you will receive an email letting you know that it is all ready to be picked up!
1. SESSION FEE & PAYMENT
In order to book your senior session, your session retainer of $190 is due immediately.
2. SCHEDULE & CONTRACT
As soon as your session payment clears, we will schedule your senior session date! I will also send you a TRP senior portrait contract that can be signed digitally for convenience.
3. TRP WELCOME PACKET
As soon as you submit the contract, I will send you the TRP WELCOME PACKET that includes a ton of awesome information to help you get ready for your senior portraits.


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Purchase a reproduction of this item on VintageMaineImages.com.
Merle Wadleigh, a tuberculosis patient at the Western Maine Sanatorium in Hebron, took this photo in July 1928.
He wrote on the back, "The Gate and San."
It was one of three state-operated tuberculosis facilities.
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