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The housing crisis is finally in the rear-view mirror as the real estate market moves down the road to a complete recovery. Home values are up. Home sales are up. Distressed sales (foreclosures and short sales) have fallen dramatically. It seems that 2017 will be the year that the housing market races forward again.
However, there is one thing that may cause the industry to tap the brakes: a lack of housing inventory. While buyer demand looks like it will remain strong throughout the winter, supply is not keeping up.
Here are the thoughts of a few industry experts on the subject:
“Total housing inventory at the end of December dropped 10.8%…which is the lowest level since NAR began tracking the supply of all housing types in 1999. Inventory has fallen year-over-year for 19 straight months and is at a 3.6-month supply at the current sales pace.”
“More than two-thirds of the markets are seeing less inventory now compared to a year ago.”
“The dismal number of listings in the affordable price range is squeezing prospective first-time buyers the most. As a result, young households are missing out on the wealth gains most homeowners have accrued from the 41% cumulative rise in existing home prices since 2011.”
“The lack of affordable supply is really driving up home prices.”
“Tight housing inventory remains a constraining factor limiting stronger sales growth…
We expect further price growth to entice more homeowners to list their homes, particularly as existing homeowners have greater equity.”
If you are thinking of selling, now may be the time. Demand for your house will be strong at a time when there is very little competition. That could lead to a quick sale for a really good price.
from Simplifying the Market™ http://ift.tt/2jTIlrH
In this day and age of being able to shop for anything anywhere, it is really important to know what you’re looking for when you start your home search.
If you’ve been thinking about buying a home of your own for some time now, you’ve probably come up with a list of things that you’d LOVE to have in your new home. Many new homebuyers fantasize about the amenities that they see on television or Pinterest, and start looking at the countless homes listed for sale through rose-colored glasses.
Do you really need that farmhouse sink in the kitchen in order to be happy with your home choice? Would a two-car garage be a convenience or a necessity? Could the ‘man cave’ of your dreams be a future renovation project instead of a make-or-break right now?
The first step in your home buying process should be to get pre-approved for your mortgage. This allows you to know your budget before you fall in love with a home that is way outside of it.
The next step is to list all the features of a home that you would like, and to qualify them as follows:
- ‘Must Haves’ – if this property does not have these items, then it shouldn’t even be considered. (ex: distance from work or family, number of bedrooms/bathrooms)
- ‘Should Haves’ – if the property hits all of the ‘must haves’ and some of the ‘should haves,’ it stays in contention but does not need to have all of these features.
- ‘Absolute Wish List’ – if we find a property in our budget that has all of the ‘must haves,’ most of the ‘should haves,’ and ANY of these, it’s the winner!
Having this list flushed out before starting your search will save you time and frustration, while also letting your agent know what features are most important to you before starting to show you houses in your desired area.
from Simplifying the Market™ http://ift.tt/2lbstmj
- Watching the Big Game at home with your friends & family offers many advantages.
- There’s more room to entertain a large crowd, and you don’t have to worry about complaints to your landlord if you cheer too loudly!
- The kitchen is big enough to make as many appetizers as you want, and if some of your guests are only there to watch the commercials, they can do so on a different TV in another room!
from Simplifying the Market™ http://ift.tt/2jKt24v
Is spring closer than we think? Depending on which groundhog you listen to today, you may have less time than you think to get your home on the market before the busy spring season.
Many sellers feel that the spring is the best time to place their homes on the market as buyer demand traditionally increases at that time of year. However, the next six weeks before spring hits also have their own advantages.
Here are five reasons to sell now.
1. Demand is Strong
Foot traffic refers to the number of people who are out, physically looking at homes right now. The latest foot traffic numbers from the National Association of Realtors (NAR) show that the number of buyers out looking for their dream homes in December reached the highest mark since February 2016.
These buyers are ready, willing and able to buy…and are in the market right now! Take advantage of the strong buyer activity currently in the market.
2. There Is Less Competition Now
Housing inventory just dropped to a 3.6-month supply, which is well under the 6-month supply needed for a normal housing market. This means, in many areas, there are not enough homes for sale to satisfy the number of buyers in that market. This is good news for home prices; however, additional inventory is about to come to market.
There is a pent-up desire for many homeowners to move, as they were unable to sell over the last few years because of a negative equity situation. Homeowners are now seeing a return to positive equity as real estate values have increased over the last four years. Many of these homes will be coming to market soon.
Also, new construction of single-family homes is again beginning to increase. A study by Harris Poll revealed that 41% of buyers would prefer to buy a new home, while only 21% prefer an existing home (38% had no preference).
The choices buyers have will increase in the spring. Don’t wait for this other inventory to come to market before you sell.
3. The Process Will Be Quicker
One of the biggest challenges of the housing market has been the length of time it takes from contract to closing. Banks are requiring more and more paperwork before approving a mortgage. There is less overall business done in the winter. Therefore, the process will be less onerous than it will be in the spring. Getting your house sold and closed before the spring delays begin will lend to a smoother transaction.
4. There Will Never Be a Better Time to Move-Up
If you are moving up to a larger, more expensive home, consider doing it now. Prices are projected to appreciate by 4.7% over the next 12 months according to CoreLogic. If you are moving to a higher priced home, it will wind-up costing you more in raw dollars (both in down payment and mortgage payment) if you wait. You can also lock-in your 30-year housing expense with an interest rate around 4% right now. Rates are projected to rise by half a percentage point by the end of 2017.
5. It’s Time to Move on with Your Life
Look at the reason you decided to sell in the first place and determine whether it is worth waiting. Is money more important than being with family? Is money more important than your health? Is money more important than having the freedom to go on with your life the way you think you should?
Only you know the answers to the questions above. You have the power to take back control of the situation by putting your home on the market. Perhaps, the time has come for you and your family to move on and start living the life you desire.
That is what is truly important.
from Simplifying the Market™ http://ift.tt/2kWqcv7
The price of any item is determined by the supply of that item, as well as the market demand. The National Association of REALTORS (NAR) surveys “over 50,000 real estate practitioners about their expectations for home sales, prices and market conditions” for their monthly REALTORS Confidence Index.
Their latest edition sheds some light on the relationship between Seller Traffic (supply) and Buyer Traffic (demand).
The map below was created after asking the question: “How would you rate buyer traffic in your area?”
The darker the blue, the stronger the demand for homes in that area. Only six states had a weak demand level.
The Index also asked: “How would you rate seller traffic in your area?”
As you can see from the map below, the majority of the country has weak Seller Traffic, meaning there are far fewer homes on the market than what is needed to satisfy the buyers who are out looking for their dream homes.
Looking at the maps above, it is not hard to see why prices are appreciating in many areas of the country. Until the supply of homes for sale starts to meet the buyer demand, prices will continue to increase. If you are debating listing your home for sale, let’s get together to help you capitalize on the demand in the market now!
from Simplifying the Market™ http://ift.tt/2jChQac
So you’ve been searching for that perfect house to call a ‘home,’ and you finally found one! The price is right, and in such a competitive market that you want to make sure you make a good offer so that you can guarantee your dream of making this house yours comes true!
Freddie Mac covered “4 Tips for Making an Offer” in their latest Executive Perspective. Here are the 4 Tips they covered along with some additional information for your consideration:
1. Understand How Much You Can Afford
“While it’s not nearly as fun as house hunting, fully understanding your finances is critical in making an offer.”
This ‘tip’ or ‘step’ really should take place before you start your home search process.
As we’ve mentioned before, getting pre-approved is one of many steps that will show home sellers that you are serious about buying, and will allow you to make your offer with the confidence of knowing that you have already been approved for a mortgage for that amount. You will also need to know if you are prepared to make any repairs that may need to be made to the house (ex: new roof, new furnace).
2. Act Fast
“Even though there are fewer investors, the inventory of homes for sale is also low and competition for housing continues to heat up in many parts of the country.”
According to the latest Existing Home Sales Report, the inventory of homes for sale is currently at a 3.6-month supply; This is well below the 6-month supply that is needed for a ‘normal’ market. Buyer demand has continued to outpace the supply of homes for sale, causing buyers to compete with each other for their dream homes.
Make sure that as soon as you decide that you want to make an offer, you work with your agent to present it as soon as possible.
3. Make a Solid Offer
Freddie Mac offers this advice to help make your offer the strongest it can be:
“Your strongest offer will be comparable with other sales and listings in the neighborhood. A licensed real estate agent active in the neighborhoods you are considering will be instrumental in helping you put in a solid offer based on their experience and other key considerations such as recent sales of similar homes, the condition of the house and what you can afford.”
Consider ways of making your offer stand out! Many buyers write a personal letter to the seller letting them know how much they would love to be the new homeowners. Your agent will be able to help you figure out if there are any other ways your offer could stand out above the rest.
4. Be Prepared to Negotiate
“It’s likely that you’ll get at least one counteroffer from the sellers so be prepared. The two things most likely to be negotiated are the selling price and closing date. Given that, you’ll be glad you did your homework first to understand how much you can afford.
Your agent will also be key in the negotiation process, giving you guidance on the counteroffer and making sure that the agreed-to contract terms are met.”
If your offer is approved, Freddie Mac urges you to “always get an independent home inspection, so you know the true condition of the home. If the inspection uncovers undisclosed problems or issues, you can typically re-negotiate the terms or cancel the contract.”
Whether buying your first home or your fifth, having a local professional on your side who is an expert in their market is your best bet to make sure the process goes smoothly. Happy House Hunting!
from Simplifying the Market™ http://ift.tt/2jQpM8O
Fannie Mae’s article, “What Consumers (Don’t) Know About Mortgage Qualification Criteria,” revealed that “only 5 to 16 percent of respondents know the correct ranges for key mortgage qualification criteria.”
Myth #1: “I Need a 20% Down Payment”
Fannie Mae’s survey revealed that consumers overestimate the down payment funds needed to qualify for a home loan. According to the report, 76% of Americans either don’t know (40%) or are misinformed (36%) about the minimum down payment required.
Many believe that they need at least 20% down to buy their dream home, but many programs actually let buyers put down as little as 3%.
Below are the results of a Digital Risk survey of Millennials who recently purchased a home.
As you can see, 64.2% were able to purchase their home by putting down less than 20%, with 43.8% putting down less than 10%!
Myth #2: “I need a 780 FICO Score or Higher to Buy”
The survey revealed that 59% of Americans either don’t know (54%) or are misinformed (5%) about what FICO score is necessary to qualify.
Many Americans believe a ‘good’ credit score is 780 or higher.
To help debunk this myth, let’s take a look at Ellie Mae’s latest Origination Insight Report, which focuses on recently closed (approved) loans. As you can see below, 54.7% of approved mortgages had a credit score of 600-749.
Whether buying your first home or moving up to your dream home, knowing your options will make the mortgage process easier. Your dream home may already be within your reach.
from Simplifying the Market™ http://ift.tt/2kKJ6nG
So you made an offer, it was accepted, and now your next task is to have the home inspected prior to closing. More often than not, your agent may have made your offer contingent on a clean home inspection.
This contingency allows you to renegotiate the price paid for the home, ask the sellers to cover repairs, or even, in some cases, walk away. Your agent can advise you on the best course of action once the report is filed.
How to Choose an Inspector
Your agent will most likely have a short list of inspectors that they have worked with in the past that they can recommend to you. Realtor.com suggests that you consider the following 5 areas when choosing the right home inspector for you:
- Qualifications – find out what’s included in your inspection & if the age or location of your home may warrant specific certifications or specialties.
- Sample Reports – ask for a sample inspection report so you can review how thoroughly they will be inspecting your dream home. The more detailed the report, the better in most cases.
- References – do your homework – ask for phone numbers and names of past clients that you can call to ask about their experience.
- Memberships – Not all inspectors belong to a national or state association of home inspectors, and membership in one of these groups should not be the only way to evaluate your choice. Membership in one of these organizations often means that there is continued training and education provided.
- Errors & Omission Insurance – Find out what the liability of the inspector or inspection company is once the inspection is over. The inspector is only human after all, and it is possible that they might miss something they should have seen.
Ask your inspector if it’s ok for you to tag along during the inspection, that way they can point out anything that should be addressed or fixed.
Don’t be surprised to see your inspector climbing on the roof, crawling around in the attic, and on the floors. The job of the inspector is to protect your investment and find any issues with the home, including but not limited to: the roof, plumbing, electrical components, appliances, heating & air conditioning systems, ventilation, windows, the fireplace & chimney, the foundation and so much more!
They say ‘ignorance is bliss,’ but not when investing your hard-earned money in a home of your own. Work with a professional you can trust to give you the most information possible about your new home so that you can make the most educated decision about your purchase.
from Simplifying the Market™ http://ift.tt/2jrElOY
- 45 million existing homes were sold in 2016! This is the highest mark set since 2006.
- Inventory of existing homes for sale dropped to a 3.6-month supply, the lowest level since NAR began tracking in 1999.
- The median price of homes sold in December was $232,200. This is the 58th consecutive month of year-over-year price gains.
from Simplifying the Market™ http://ift.tt/2katpJU
It is common knowledge that a large number of homes sell during the spring-buying season. For that reason, many homeowners hold off on putting their homes on the market until then. The question is whether or not that will be a good strategy this year.
The other listings that do come out in the spring will represent increased competition to any seller. Do a greater number of homes actually come to the market in the spring, as compared to the rest of the year? The National Association of Realtors (NAR) recently revealed the months in which most people listed their homes for sale in 2016. Here is a graphic showing the results:
The three months in the second quarter of the year (represented in red) are consistently the most popular months for sellers to list their homes on the market. Last year, the number of homes available for sale in January was 1,820,000.
That number spiked to 2,140,000 by May!
What does this mean to you?
With the national job situation improving, and mortgage interest rates projected to rise later in the year, buyers are not waiting until the spring; they are out looking for a home right now. If you are looking to sell this year, waiting until the spring to list your home means you will have the greatest competition for a buyer.
It may make sense to beat the rush of housing inventory that will enter the market in the spring and list your home today.
from Simplifying the Market™ http://ift.tt/2jioqCy

domain: finance


text:
Does anyone think Titanfall would make a good anime?
Perfect way to connect the overarching Titanfall story with Apex Legends, and significantly grow the franchise’s lore.
For some reason I despise all anime, but I would watch that
Yos would love it there are cartoons on YouTube by respawn called titantoons and it looks good and is pretty funny 😆 I love it
This is genious idea

domain: entertainment


text:
Anybody who knows me, knows how much I love the beach. I’ve always had a special connection with water. My perfect vacation spot is the beach. Letting my eyes get lost in the swaying of the waves. Hearing the noise of the sea. Smelling the breeze. Touching the sand. Even tasting the fresh water I always carry with me. The whole experience is a delight for my senses.
Some time ago, I spent a wonderful weekend at an apartment on the beach. I had a great time. That apartment has a fantastic view of the intercoastal. I spent hours sitting on that balcony just admiring the view. The light variations that can be observed along the day are incredible. The way that the view of that landscape changes during the day is amazing. It’s a show for my eyes. Of course, it inspired me enough to feel the urge to paint.
That’s how I came up with a series of paintings that I called Costa Hollywood Beach. “Stay tuned” for what’s next.

domain: artistic


|Home||» Products||» Conveying Solutions||» Pneumatic Automation|
Product Code : 10
We are offering wide range of Pneumatic Automation. These Pneumatic Automation are available as per client requirement the range Pneumatic Automation is very affordable to our client Clients can avail these from us in different sizes and shapes as per their requirements. Further, we provide customization for the product as per the specifications of our clients for their maximum satisfaction.


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Are floating cities the answer to our future housing needs? Belgian architect Vincent Callebaut thinks they are; which is why he has designed a series of 'lilypad' inspired bobbing cities.
Constructed from chrome and carbon, the pads are designed to provide refuge for those escaping rising sea levels and would, if constructed, be situated around the coastlines of current major cities including Dubai, Shanghai, and Hong Kong. However, they will not be tethered to the land, allowing them to 'bob' and potentially move around within the water.
Each "ecopolis", as the architect calls them, accommodates 50,000 people and is "dedicated to work, shops and entertainment" and includes suspended gardens, fake hills, an artificial lagoon, and "streets and alleyways with organic outline".
The pads will also be carbon neutral and will achieve this by utilising energy from the sun, the wind, biomass, and tidal waves, as well as processing carbon dioxide from the atmosphere.

domain: design


text:
Recipe by ozzygirl
A delicious and rich lasagna. My family constantly requests it when we have our family do's. Very moreish! I am not sure of the measurement for the pasta sauce, so I have listed it as 375mls - but basically I mean a jar of raguletto or dolmio sauce.
- 500 g minced lean beef
- olive oil
- 1 large onion, diced
- 1 small green capsicum, diced
- 150 g mushrooms, chopped
- 1 carrot, grated
- 375 ml of ready made pasta sauce
- 2 teaspoons vegetable bouillon granules, diluted in cup water
- 3 teaspoons minced garlic
- 1 1⁄2 tablespoons dried basil
- 1 1⁄2 tablespoons dried oregano
- 1 tablespoon dried Italian herb seasoning
- 750 g light ricotta cheese
- 2 eggs
- light mozzarella cheese
- grated vintage cheddar cheese
- shaved parmesan cheese
- lasagna sheet
- salt & pepper
Directions See How It's Made
- Saute onions, capsicum, mushrooms and garlic in olive oil until translucent, add grated carrot and stir through until wilting.
- Brown mince in same pan and mix through.
- Add basil, oregano, Italian herbs, stock and pasta sauce and simmer on low for 30 minutes stirring regularly. Add more water if needed.
- Let mince mixture cool to room temperature.
- Empty ricotta into a large bowl and fold two eggs through the mixture.
- Lightly grease a large oven dish for lasagna.
- Spread a small amount of mince sauce over the bottom of oven dish.
- In order layer the following:.
- Lasagna sheets.
- Mince (on top of lasagna sheets, covering all edges).
- Ricotta mix (spread evenly over mince).
- Cheddar Cheese.
- Repeat order until all used up. I usually get about four layers and always finish with the cheeses.
- Cover with foil and bake in a preheated oven on 200 degrees celcius for 40 minutes Then reduce heat to 180 and cook for a further 10 minutes with foil on, then remove foil and cook for a further 10-15 mins until cooked. Replace foil and let stand for 5 minutes before serving.

domain: food


text:
Researchers from Vanderbilt University have developed a new mouse model that is used to explore the work of antidepressants.
The most widely prescribed antidepressants - medicines such as Prozac, Lexapro and Paxil - work by blocking the serotonin transporter, a brain protein that normally clears away the mood-regulating chemical serotonin.
And this theory about how selective serotonin reuptake inhibitors (SSRIs) work can now be put to the test, thanks to the new research.
"Many antidepressants have been shown to target other proteins besides the serotonin transporter and ... their efficacy in treating depression takes many weeks to develop. There is likely a lot that we don't know about how these drugs act," said Blakely.
To generate the mouse model, Blakely and colleagues at Vanderbilt and the University of Texas Health Science Center at San Antonio first determined exactly which parts of the serotonin transporter protein interact with SSRIs.
By changing the protein's amino acid building blocks, they converted parts of the human serotonin transporter into its fruit fly equivalent, and in so doing identified the single amino acid required for potent binding to many SSRIs as well as to cocaine.
As predicted, the genetically-modified mice displayed normal serotonin transporter levels, and their transporter exhibited normal activity in clearing serotonin from the synapses between nerve cells.
But the mice did not respond to Prozac or Lexapro, indicating that the transporter is indeed the specific target of these medications for blocking serotonin inactivation.
The findings have been published in the online edition of the Proceedings of the National Academy of Sciences (PNAS).

domain: chemistry


Karaoke NightCharity & Social Events
Enjoy a night of Karaoke for a great cause and sing your little heart out! Hosted by vocalist and actress Von Henry who will MC this fun evening of music. Everyone is welcome and free snacks will be provided. The event will promote the Woman’s Club of Coconut Grove and the proceeds will be used for the upkeep of the 97-year-old building, which is in the National Registry of Historic Places. The entrance fee is $10 and there will be a cash bar available for cocktails.


Decision type: Key
Reason Key: Expenditure > £250,000;
Decision status: Recommendations Approved
Wards affected: (All Wards);
Notice of proposed decision first published: 30/11/2018
Decision due: 30 Jan 2019 by Cabinet (Housing) Committee - DISCONTINUED
Lead member: Leader and Portfolio Holder For Housing
Contact: Richard Burden, Housing Finance and Resources Manager Email: email@example.com.


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Our 4 Tips For Giving Your Credit Card Over The Phone
There’s a reason why businesses often add on a convenience fee to your purchase when you make it over the phone. For them, there’s higher risk that the consumer on the other end is a fraudster using a stolen credit card, and it’s harder to verify your identity when you are face-to-face at the cashier checkout.
But as the consumer, you should have ways to protect yourself as well. Here are some things to consider before and after you give your credit card number over the phone.
Youre Our First Priorityevery Time
We believe everyone should be able to make financial decisions with confidence. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about , but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services.Here is a list of our partners.
Things You Can Do To Prevent Future Lost Or Stolen Credit Cards
There are a lot of ways to lose a credit card. You might lose your walletand your card. You might leave your card at a checkout counter. You might slip it into your purse only to have it slip out.
Its a good idea to take steps to help prevent the loss or theft of a credit card in the future.
Here are some suggestions, along with a few tips to consider just in case you do lose a card:
- Carry only the cards you need.
- Keep your credit card securely in your wallet or purse. Dont break with routine and, say, slip your card in a breast pocket or top of your sock.
- Cut up old credit cards before you throw them away. Make sure you cut through the account number.
- Keep track of your cards and store ones you dont use in a secure place.
- Keep a record of your credit card information in a safe location. Consider including account numbers, expiration dates, and telephone numbers for each issuer. That way, youll be ready to report a lost or stolen credit card when you need to.
- Check your credit card statements as soon as they arrive. Look for charges you dont think you made.
- Guard your account number. Identity thieves don’t always need your credit card to commit identity fraud. The account number might be enough. Be careful not to write your account number down on paper or anywhere someone might find it.
- Avoid sharing your credit card number over the phone unless you made the call. And dont forget to make sure no one is eavesdropping.
Thats what friends do.
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About The Email Address
While your credit card company probably has your email on file so they can send you promotional and administrative information, its not used to validate your credit card when you check out.
At a minimum, the credit card company uses the expiration date to confirm youre holding the card in your hand. They also often, but not always, check the billing address you provide against that registered for the account, as well as the extended validation code that may be requested from the back or front of your card. They may also use your phone number.
But the email address means nothing to them when it comes to proving youre the rightful credit card owner.
In fact, its possible the merchant didnt even require a valid email address at all. Its obviously not good business practice, but the email address is generally used only to send informational messages like sales receipts messages your thief wont care about at all.
Obviously, if the product was to be delivered via email, thats another matter. The email address had to be valid at least long enough for the thief to get the delivery. Before and after that? It could be completely bogus.
Your Debit Card Emv Chip
Learn more about debit cards
We can help you manage all of your debit card needs:
Lending products are subject to credit application and approval.Investment, Insurance and Non-deposit Trust products are: NOT A DEPOSIT NOT FDIC INSURED NOT GUARANTEED BY THE BANK NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY MAY LOSE VALUE
Recommended Reading: Care Credit Visa Or Mastercard
Missing A Child Tax Credit Payment Here’s How To Track It
If your December child tax credit check, or a previous month’s check, never arrived, we’ll tell you how to trace it.
If you haven’t received your child tax credit check, it could be late.
The monthly child tax credit payments have come to an end, but more money is coming next year. However, if you still haven’t received any checks or if you’re missing money from one of the months, you’re not alone. Many parents have faced child tax credit problems each month since the payments started. We can help you figure out what’s going on with your money.
For past payments, we found that if only one parent in a married household made a correction to banking info or a mailing address, it could have reduced the amount of the payment. Also, parents might have received more money than they qualify for due to outdated tax information from old returns, and inaccurate payment amounts could affect their taxes in 2022.
We’re here to help you figure out how to track your check online using the IRS Update Portal and file a payment trace if a few weeks have passed and there’s no sign of your money. Here’s the latest on the child tax credit extension. We’ve updated this story.
Keep Your Account Number Private
Dont let anyone see your card when youre out in public. Be selective when giving your account number over the phone only offer it when you initiated the call and youre talking to a bank or merchant you trust. Be suspicious of messages you receive over email, text, phone or social media, asking you to give personal information or click a suspicious link.
Consider paperless statements and making payments online to remove your sensitive information from the postal system. Its also a good idea to shred documents with sensitive personal information before you trash them.
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How We Make Money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
Were transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Look Out For Cvv Code Theft Scams
Your CVV code is designed to protect you and your card issuer against fraud. CVV codes are not stored by the merchant, which means there’s an added layer of protection against fraud in the event of a data breach. But someone could obtain your account number andyour CVV number and use them to make fraudulent purchases. This fraud can happen in a couple of different ways.
- Phishing Scam: You might be sent an email that looks like it came from your credit card company asking you to verify your account number and CVV code. Without knowing you’re being scammed, you’ve just handed over your card information to an identity thief who could then clone your card and use it for unauthorized purchases. Credit card companies will never ask for this information, but if you have any questions, contact your .
- Keylogging: Essentially, this is a type of tracking code that can be lurking on an insecure website. When you visit the website and type in your card details, a hacker can use a keylogger program to record your information, including your CVV number. Keylogging can also be introduced to your PC via malware, so be sure that you have a robust, up-to-date antivirus product installed on your computer.
Recommended Reading: Comenity Ultimate Rewards Mastercard
The Anatomy Of A Card
Debit and credit cards are like financial fingerprints. The numbers imprinted on them serve as would-be DNA, with each digit representing distinguishing aspects of the card, such as who uses it, who approved it, and the cardâs purpose. Therefore, the pattern of these numbers varies significantly on each card.
Front of the card
Bank branding: This refers to who issued the card. Your card will say either âDebit/Access Cardâ or âCredit Cardâ along the top.
Card number: This is the entire 16-digit sequence printed on the front surface and is one of the pieces of information youâre required to hand over when shopping online.
Cardholderâs name: This is also known as the person who is authorized to use the card.
Smart chip: This is the small metallic-looking square typically on the left side of the card. It is there for security purposes.
Expiration date: This appears in smaller print below the row of 16 digits. Like driverâs licenses, cards are only good for a certain amount of time. Before the expiration date arrives, the bank will mail you a new one.
Payment network logo: This refers to the type of card you are using, such as Visa, MasterCard, American Express, etc. Typically, you can locate this in the bottom right-hand corner. Again, when paying online or in-store, many businesses require you to select your card type, as not every establishment will accept the same kind of card.
Back of the card
What Could Happen To The Cardholder
Say someone else found the lost credit card before you did, used it to make purchases, then tossed it so they wouldn’t be caught with it. Legally, a cardholder can be responsible for up to $50 of purchases made on a lost credit card depending on how long it takes the cardholder to report the missing credit card.
On the other hand, if a cardholder has lost their debit card , they could lose all the money taken from their account. This may happen if it takes the cardholder some time to notice the card is missing and report it to the bank.
Don’t Miss: Capital One Credit Card Get Cash
Check Your Account Often
Reviewing your recent account activity is fundamental to credit card safetyand its easy to do. You can do it using the banks app, online or over the phone. Most card issuers also let you set up email or text alerts to inform you and your issuer about unusual activity. If youve been a victim of fraud or identity theft in the past, consider signing up with a credit-monitoring service. Learn more about Bank of Americas fraud protection and monitoring services.
What Happens If Your Credit Card Information Is Stolen
Although card-not-present fraud is a big problem for retailers and service providers that accept virtual card payments, you shouldnt have to worry about losing money yourself to a credit card scam.
Credit card holders are protected from liability by the Fair Credit Billing Act. Most card issuers also go beyond the requirements of the law by promising customers that they wont pay a penny if their card information is illegally used by someone else.
See related: How to report and protect yourself from credit card fraud
Also Check: Bass Pro Credit Card Balance
Finding The Lost Credit Card’s Owner
Your first instinct might be to track down the owner of the credit card. It sounds like the noble thing to do, and it’s probably what most of us would prefer if we’d lost a credit card.
The internet and social media make it easier than ever to find people. You might consider doing a Google or Facebook search to locate the credit card owner, but there’s a huge risk of giving the card to the wrong person. Besides a name, credit cards don’t contain any other identifying information you can use to verify that you’re giving the card to the right cardholder.
Unless the cardholder has a very rare name, it may not be easy to be sure you’ve found the correct person. And do you want to take on the responsibility of verifying that you’re giving the card to the rightful cardholder?
When To Share Your Credit Card Security Code
In most cases, you should share your credit card security number only if youre making a virtual transaction online or over the phone.
In industry-speak, this is called a card-not-present transaction. Since the merchant cant verify your identity by physically checking your drivers license or by asking you to sign a receipt or enter a PIN, they may ask you for this special number instead before theyll process your transaction.
Merchants arent required to use a security code to process a payment, though. So you may come across online retailers who dont ask for it.
In rare cases, you may be asked to share your security code in person if a merchant, such as a vendor at a conference or a crafter at a fair, processes your card manually using a credit card imprinter or writes your card information on a piece of paper.
In this scenario, proceed with extra caution. Under PCI Security Standards, merchants are discouraged from storing your security code once theyve processed a transaction. But a smaller business or hobbyist accepting manual card payments may not have such stringent security practices.
You May Like: Cabela’s Bill Pay Phone Number
What Format Should Data Be Provided In Accepting User Inputs And Reducing Errors
Card numbers can be typed by users:
- As one single long number
- As four sets of four numbers separated by dashes
- As four sets of four numbers separated by spaces
You have two choices in how to deal with this
For option 2 above, you can either transform the data âin real timeâ as the user is typing, or change the data at the point of submission. Our advice would be the latter, since the former is effectively just a way to restrict user inputs, the difference being that you are explicitly showing the user how you are doing this.
However, if you are only going to accept one format, help users avoid mistakes. One way to do this is to restrict inputs within a card field to numeric characters only – this will also ignore space bar presses too.
This form, adds spaces in as you type them, so the number reflects the layout on the front of a card:
Viruses Worms And Other Malware:
Malware is another leading method of virtual identity theft. These invasive programs can obtain your credit card in several different ways: Keystroke Loggers track everything you type . When you enter a credit card number, the program recognizes it and sends it to the developer. Info Stealers search through files on your computer. If you have your card number saved in a program file or written on a document somewhere on your computer, the info stealer can copy it and send it to the developer.
This malware can make its way onto your computer in many different forms. Identifying these forms and how they work is your first line of protection.
VirusesComputer viruses work in the same way as biological viruses. When a biological virus infects a cell, it will create copies of itself by hijacking the cells machinery these copies then spread like wildfire through the body. Similarly, a computer virus will spread by using infected files/programs to create copies of itself. This feature makes viruses a useful tool for info stealing, as they can quickly search through thousands of documents.
To protect yourself from credit card stealing malware,
Read Also: Td Visa Gift Card


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Speakers at a seminar on media ethics on Tuesday urged the media not to give into sensationalism and grant more coverage to social issues instead of focusing on crime and politics.
The seminar was organised by the University of Agriculture, Faisalabad, the Higher Education Commission (HEC) and the Press Council of Pakistan (PPC).
Council Chairman, Justice (retd) Shafqat Abbasi, who chaired the seminar, said media groups need to regulate their own organisations in ethical considerations and also ensure coverage of real issues.
He said press councils were running in 90 countries for the protection of the stake holders’ rights and to address grievances against newspapers in cases of faulty reporting and defamatory or unethical publication.
“We are determined to make the PPC a proactive institution in order to implement media ethics and are framing a course of action in this regard.”
He said the PPC intended to address the issues of the public and create an environment free of fear for reporters so that they would report accurately and fairly.”
He said there was a need to train reporters. He said more investigative reporting skills which would lead to better highlighting of social issues.
“The media should respect the dignity and privacy of every individual and not interfere in people’s personal lives.”
He said press councils were formed in India in 1965 and in Bangladesh in 1975. The Indian media, he said, did not have the constitutional guarantee of freedom the Pakistani media did.
UAF Vice Chancellor Prof Dr Iqrar Ahmad Khan stressed the need to avoid sensationalism in reporting. He appreciated the efforts of journalists who highlighted issues of national interest.
He said the UAF was launching an FM radio station to educate and inform the farming community regarding the latest agricultural practices.
HEC Director of Publications Ayesha Ikram said that no one could deny the importance of the media as it had the power to change minds. She said the media’s power must be used for social change, greater awareness and to provide people with a roadmap of progress.
Prof Mugheesuddin Sheikh said it was vital to prioritise the socio political health of the public through credible news and positive entertainment.
Dr AR Khalid said due regard must be paid to national security considerations. “Journalists and producers of entertainment programmes bear the responsibility to improve society. But in the race to be the first to deliver news and for the sake of popularity they compromise their ethical values.”
Published in The Express Tribune, April 26th, 2012.

domain: sociology


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Views: 0 Author: Site Editor Publish Time: 2023-10-24 Origin: Site
Tungsten carbide flow control valves can play a role in controlling the flow of fluid, generally speaking, when the pressure difference of the flow control valve is fixed, the size of the opening affects the change of liquid flow. In simple terms, the main role of the throttle valve is three points:
1.The role of interception and speed regulation
The flow control valve changes the flow rate by controlling the throttle section or length, which is the main role of the flow control valve and its main function.
2. Play the role of load resistance
The flow control valve can also play a certain degree of load, which is only part of the function of the flow control valve, and the main role of the flow control valve is still to regulate the speed of the throttle.
3. The role of pressure buffering
The flow control valve can act as a pressure buffer for the fluid, when the fluid flows through the throttle valve, the throttle valve can hinder the operation of the fluid to a certain extent and reduce the impact force.
Zhuzhou Jinxin can produce different tungsten carbide flow control valve according tp customer's samples or drawings.
Any inquiry, contact us.


text:
“Above all else, guard your heart, for everything you do flows from it” (Proverbs 4:23).
Like many with chronic invisible illnesses I’ve been carefully protecting my heart! Sometimes it’s easier to put myself in a “glass case.”
I first heard this term when my Mum (Aussie spelling) was nursing my Dad with motor neuron disease. To protect herself she put herself in a “glass case”–blocking off the emotions of feeling so distraught, devastated, and helpless with his rapid decline.
When in this “glass case” people can see in, but they can’t get close enough to touch the heart and really feel what is going on. It’s a protection that’s often needed simply to cope with the pain and grief of a traumatic situation, including our illnesses.
I’ve recently realized that I’ve put myself in a “glass case” for much of the past few years, while dealing with a myriad of family illnesses. It was easier to protect myself a little extra, so that the awful hurt didn’t cut so deeply. I suspect it’s why I’ve coped as well as I have.
The hard part of this is that it cut myself off from others emotionally. Yes, it’s a protection–and it’s also a barrier between myself and others. And it is a barrier between myself and my relationship with God.
Recently my “glass case” was smashed to pieces. As I let one particularly wonderful emotional situation in, it cracked the “glass case,” which crumbled at my feet.
Ezekiel 36:26 says, “I will give you a new heart and put a new spirit in you; I will remove from you your heart of stone and give you a heart of flesh.”
It hasn’t been particularly comfortable, as I’ve cried enough tears to fill a lake! One happy situation softened my heart causing buried griefs to suddenly surface.
It hasn’t been easy, but it has been healing as I’ve realized how much those tears needed to be released. God has gently caressed my heart with His loving care, as each wound has been tended to.
Psalm 147:3 tells us, “He heals the brokenhearted and binds up their wounds.”
I’ve been noticing myself trying to piece back together my “glass case” to protect myself again. This makes me question, which is most beneficial?
I can see how God uses both situations for our best care. Each has its place.
Times of protection to guard our hearts and other times with a soft heart that is unprotected. God can reach right in and care deeply for us, either way . . . as long as we don’t block Him out!
Prayer: Lord, help me to always stay open to You. Come now and reach right into my heart to bind up the wounds. Caress my heart with Your gentle touch. Guide me to the times when I need to protect my heart and the times that I need to be vulnerable. Amen.
About the Author:
Kerryn Wright lives with her family amongst the gum trees in South Australia. She was a special education teacher prior to chronic illnesses. Her husband is carer for two of their family, who have chronic illnesses and disabilities. God has always guided them through life’s challenges, often in surprising ways.
Where is your heart right now? Is your heart protected in a “glass case,” during a particularly rough time, or are you in a soft-hearted time of deep healing? How does God bind up your wounded heart?
This is a soft, sweet-sounding worship song with Kristian Stanfill singing “Always.” The lyrics sing about how God will always be there, He will always come through for us, He will always give us the hope that we need. We can count on Him. Always. -Lisa

domain: literature


An ordinance before the Topeka City Council would change the city's ban on specific breeds of dogs and institute a program to sterilize and release feral cats. The Topeka City Council will consider the ordinance at its meeting on Tuesday.
Currently, Topeka prohibits anyone from owning specific breeds of pit bulls.
The Topeka Capital-Journal reports that the proposed ordinance would replace that ban with a more general regulation on dangerous dogs. The dogs would be declared dangerous after a court process, and they would have to be neutered.
Another part of the ordinance would allow the capture of feral cats. The animals would be neutered, vaccinated and returned to their original locations.
Assistant city attorney Kyle Smith says other cities have reduced the population of stray cats with similar programs.
Update September 28, 2010 10:39pm - The following article is from WIBW:
New Animal Control Ordinance Passed For Topeka
The city of Topeka has a new animal control ordinance.
City council members passed the ordinance Tuesday night.
Some say the previous ordinance discriminated against pit bulls.
The new ordinance does not discriminate against any breed.
Now hundreds of pit bulls that are killed each year by the Helping Hands Humane Society, may live and be returned to their owners or put up for adoption.
The changes are expected to free up space at the Helping Hands Humane Society. That is because pit bulls will not be held there, while their owner fights for their return in court.
The ordinance will save the city an estimated $30,000-$50,000, according to assistant city attorney Kyle Smith.


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Can CBD cause a false positive?
Well, yes and no. There is a great amount of speculation out there regarding CBD and drug tests so we looked into it for you. Let’s take a look at what we found…
CBD is a chemical compound derived from the Cannabis sativa plant. CBD contains no psychoactive compounds and it is used medicinally in various ways. Our blog post “The difference is in the Plants-Hemp VS. Marijuana” provides more insight into the origins of CBD.
So we know that CBD does not make you high, so how can you fail a drug test while using it? The answer is honestly more straight forward than you think. Below you will find intriguing information about this topic. Let’s take a closer look at the reasoning behind positive and negative drug tests as they relate to CBD.
About the tests
Drug tests vary by industry. According to SHRM.org, there are three primary methods of specimen collection…
Urine– 90% of employers opt for this method.
Saliva– used by 10% of employers.
Hair– used by 7% of employers.
At this time Urine tests are the only drug testing method outlined by federal guidelines. This and the cost associated are the main reasons for its very prominent use by employers.
Saliva testing can be administered onsight and can produce results quickly. A saliva test will detect very recent use while a Urine test will produce results contingent upon the substance having passed through the system. Employers may opt-out of this method due to its need for sending the specimen out to a lab, there is also a small window for detection of use (48 hours) therefore it may be inconsistent with the speed of the hiring process.
The use of hair testing is not very common, the main drawback is that it will not produce a result for use that occurred a few days before the test as the substance must be present in the body during hair growth and this implies long term use.
Blood testing is the least common method used of all. This method is very expensive and intrusive. According to the drug and alcohol testing industry association, blood testing measures the actual amount of substances in your blood at the time of the test. According to confirmbiosciences.com Blood tests are far more accurate than other methods such as urine tests because they can detect the parent drug unlike urine tests were on the metabolites are detected. There are limitations, however. Blood tests are better indicators of recent consumption as a substance may no longer be detected after six hours of use.
What can cause a failed drug test if I use CBD?
The simple and more probable answer is Tetrahydrocannabinol (THC).
We are allowed 0.3 wt % THC in our final products. This is like having only 3 brown M&M’s in a batch of 1,000 M&Ms total (assuming all the M&Ms are the same weight). This is a minuscule amount. According to healthline.com, some methods of extraction can play a drastic role in the amount of THC that may be found in CBD, however, some types of CBD may be less likely to contain greater amounts of THC.
Full-spectrum CBD contains all of the naturally occurring compounds within the plant. This means that full-spectrum CBD products contain terpenes, essential oils, and cannabinoids such as THC. Even though this type may contain a small amount of THC (0.3%) it may cause a false positive drug test if used daily. Full-spectrum hemp-derived CBD products range from oils, tinctures, and edibles as well as serums and topical creams.
Broad-spectrum CBD also includes naturally occurring compounds within the plant. This type of CBD does not contain THC as it is removed during the process of extraction. Similarly to Full-spectrum CBD, Broad-spectrum produces the “entourage effect” less the THC as described on our blog post titled “The Entourage effect Cannabinoids, THC, Terpenoids and how they work together”.
CBD Isolate is considered to be the purest form of its kind. The amount of CBD in isolate is generally 99% therefore it does not carry the benefit of The entourage effect. While this type of CBD does not produce the entourage effect you are still able to benefit from the cannabidiol within it.
According to medicalnewstoday.com THC can remain in your system for several days or even weeks. The remnants of THC behave differently for everyone. There are many deciding factors to be considered which can affect the outcome of a drug test. Body fat, frequency of consumption, and even a history of smoking may contribute to how your body will process the THC. It is important to note that even if you choose to consume Broad-spectrum CBD there is a slight chance that you can have complications with drug test results. Keep in mind, while THC is removed during processing in Broad-spectrum products contamination from nearby THC extract can occur…think of it similarly to the “may contain” warning for peanut allergies.
In conclusion, you will determine the dose and frequency of use that works for you. Something to consider would be modifying utilization if you are aware that submission to a drug screening is required as part of the employment selection process. Alternatively, if you are currently employed by an agency that requires testing we ask that you understand, the use of CBD products may produce a positive result. Keep in mind that discontinued use of CBD products close to the time of testing may still produce unwanted results. Please note that if your employer has asked you to submit a drug screening which resulted in a false positive…you can ask to have the test analyzed further.
While your employer and others may be uneducated about the use of CBD, it is common to misconstrue its purpose. It is essential for corporations, first responders, and military entities to further understand the benefits of CBD products. We are hopeful that through reliable and trustworthy information CBD use will no longer be a factor in drug testing.
Remember false positives are very real and It is key to consider the importance of a reputable source for your CBD products. At StHealthy Nutrition we understand the importance of trusting the quality of your product and as such we ensure compliance via thorough analysis.
Does CBD cause you to fail a drug test?
The fact is while CBD itself is not the definitive cause of unwanted results, ongoing use of CBD products may contribute to the result of your test. Our best tip…be careful.
Everything You Need To Know About Blood Drug Testing. (n.d.). Retrieved September 05, 2020, from https://www.confirmbiosciences.com/knowledge/blog/industry-news-everything-you-need-to-know-about-blood-drug-testing/
Maurer, R. (2019, August 16). Hair, Saliva, or Urine-Which Is Best for Drug-Testing Job Candidates? Retrieved September 05, 2020, from https://www.shrm.org/resourcesandtools/hr-topics/talent-acquisition/pages/hair-saliva-urine-drug-testing-methods-specimens.aspx

domain: medical


text:
Sparrows are the lowest members of society sworn to the Faith of the Seven. They rose during the time of the War of the Five Kings. Fed up with being killed during the war, a group of smallfolk worshipers of the Seven took on the name of the common bird Sparrow and began serving to protect septs and clergies from the pillage of the war and preach the word of the Faith.
Relevance in A Song of Ice and Fire
As the War of the Five Kings ravages Westeros, many septs get destroyed, and people sword to the Faith of the Seven get killed. As Brienne of Tarth travels to Duskendale, she sees some begging brothers, who call themselves sparrows, traveling to King’s Landing with the bones of the dead to plead with King Tommen I Baratheon for protection.
Meanwhile, in the capital city, Ser Harys Swyft draws the small council’s attention to the growing epidemic of sparrows. He tells them that there are over two thousand begging brothers in the capital, who are mad because of the Red Wedding, as the event violated one of the most sacred laws of men in the Seven Kingdoms.
As Ser Jaime Lannister travels through King’s Landing, he notices some sparrows preaching to smallfolk at Cobbler’s Square. When Septon Ollidor gets put in as a candidate for becoming the High Septon, some sparrows find him in a brothel and drag him out. They then take one of their high-ranking officials into the Great Sept of Baelor, and Moon Boy, a fool, proclaims the High Septon has become a High Sparrow.
Queen Regent Cersei Lannister sees many sparrows in the gardens of the Great Sept of Baelor, and after getting convinced that the Faith will forgive some of the Crown’s debt, she agrees for the High Sparrow to reawaken the Faith Militant. With the rise of the military order, the sparrows get absorbed into the order of the Poor Fellows.
Jaime leaves King’s Landing and travels to Castle Darry, where he meets his cousin Lord Lancel Lannister. Stricken with guilt, Lancel joins the Warrior’s Sons, the mightier military arm of the Faith Militant. He then confesses his sins with Cersei Lannister, leading to the Queen’s arrest.
Relevance in Adaptation
In HBO’s Game of Thrones, the sparrows become a formidable force in the politics of King’s Landing. After Lord Tywin Lannister’s death, the sparrows appear in King’s Landing and would eventually lead a revolt that shocks the political atmosphere of the capital city.
Ser Kevan Lannister tells Cersei that his son Lancel has joined the new order of fighters for the Faith of the Seven. The new soldiers of the Faith burst into a brothel to find the High Septon. They chase away the prostitutes he is with and strip him naked before leading him on the streets of King’s Landing. After the humiliating incident, the High Septon complains to the small council, stating they should kill the High Sparrow, the leader of the new order. However, Cersei visits the High Sparrow in Flea Bottom and tells him about her plans to reunite the Faith with the Crown. She then appoints him as the new High Septon and establishes the Faith Militant.
Armed to deliver the justice of the Faith, the new order break into brothels and harass both the prostitutes and their clients. Ser Lancel Lannister leads a group of soldiers to arrest Loras Tyrell for having illicit affairs with men. Queen Margaery Tyrell steps in to testify for her brother, but the Faith Militant brings in Olyvar, who confesses to sleeping with Loras.
Margaery and her brother get arrested, and Cersei smirks at the event. She gets detained after Lancel confesses they had an affair while she was married to King Robert Baratheon. The sparrows arrest Cersei, and she gets forced to take a walk of shame.
Upon returning to the Red Keep to await her trial by combat, Olenna Tyrell and Kevan Lannister rule King’s Landing. Jaime Lannister meets the High Sparrow, who proposes they work together. Jaime then plots to use a Tyrell army to force the High Sparrow to surrender. However, on reaching the Great Sept of Baelor, he learns that Tommen has agreed to support the Faith.
The King outlaws trial by combat, and Cersei and Ser Loras get scheduled to stand before judges. However, Cersei prevents her son from leaving his room on the day of the event, and as the trial goes on the Great Sept, a young boy Arthur goes beneath the Sept. He proceeds to light the wildfire beneath, killing everyone in the Sept.
Sparrows: The Unseen Terror
The sparrows’ existence showed religion can be a massively political weapon when placed in the wrong hands. The sparrows were a creation of war and desperation, and they had nothing else to lose. They became one of the most significant forces the Iron Throne ever foresaw as a contender for power.
What did the Sparrows do in Game of Thrones?
After Tywin Lannister’s death, the Sparrows formed a fanatical faction and began harassing prostitutes and people in brothels. Cersei makes the High Sparrow the leader of the Faith, and he arrests her for adultery.
Where was Tyrion Lannister when the High Sparrow arrested Cersei?
What happened to the previous High Septons?
The one Tyrion chose got torn apart by the crowd during the riot in King’s Landing. He never made waves like the previously corrupt High Septon, but Cersei hated him.

domain: library


text:
The former Attorney General said that he hardened his initial ambivalent advice on the legality of military action in response to appeals from commanders to give a clear "yes or no" answer.
He told the inquiry: "When I got the request from the Armed Services and from the Civil Service, 'We want the Attorney General to say he's of the opinion that it is or isn't lawful', then I very quickly saw that actually this wasn't satisfactory from their point of view.
"They deserved more. Our troops deserved more, our civil servants who might be on the line deserved more than my saying there was a reasonable case.
"So therefore it was important for me to come down clearly on one side of the argument or another, which is what I proceeded to do."
Watch Tony Blair's long-awaited appearance before the Iraq Inquiry into the 2003 invasion of Iraq LIVE from 10am GMT on Friday 29 January 2010.
Lord Goldsmith had earlier told Sir John Chilcot that he expressed serious reservations about the legality of military action in a draft opinion to Tony Blair in January 2003. The former Attorney General today described that advice as "overly cautious".
The following month – after he had met US government lawyers in Washington – he returned to Downing Street to tell Mr Blair's senior advisers they did not need specific authorisation from the United Nations.
"That was, on past precedent, sufficient to constitute the green light," he said.
On March 7, 2003, Lord Goldsmith presented Mr Blair with a 13-page legal opinion in which he said a "reasonable case" could be made for launching an attack without further Security Council support.
Ten days later he stated without reservation that resolution 1441 provided the necessary authority for the conflict. The invasion began three days later.
Earlier, he had told the inquiry that in 2002 he had told the Government that an invasion would not be legally justified without first obtaining the mandate of a UN Security Council resolution.
The reason why Lord Goldsmith changed his mind is one of the central questions which the Iraq Inquiry must answer, following repeated claims that Tony Blair pressured his senior legal adviser to say yes to war.
Mr Blair – who has denied "bullying" Lord Goldsmith into changing his mind, will give evidence to the Inquiry on Friday.
Lord Goldsmith said he was asked to provide formal legal advice in December 2002 following the passing the previous month of United Nations Security Council resolution 1441, requiring Iraq to give up its supposed weapons of mass destruction.
Initially he had been concerned that there was an assumption in Whitehall that he was "optimistic" that the resolution did provide sufficient authorisation for military intervention, which was not his view.
On November 7 – on the eve of the resolution being passed – he met the then foreign secretary Jack Straw to warn him that he should not simply assume that it would be "all right on the night".
He said he wanted to make clear that "they should not take it for granted when it came that, when definitive legal advice was given, that we would be in a position to take military action".
In his initial five-page draft opinion, which he gave to Mr Blair on January 14, he warned that he still believed a further resolution was necessary, specifically authorising the use of force.
On February 27, following a meeting with Sir Jeremy Greenstock, the British ambassador to the UN, and the US lawyers who were involved in the discussions over 1441, he returned to No 10 where he met Mr Blair's chief of staff, Jonathan Powell, and other senior advisers.
"My advice remained preliminary until February because I was conducting my inquiries and researches," he said.
"I told them that, in the light of the further inquiries I had made following my visit to the United States, following my discussions with Jeremy Greenstock, following my investigations of the negotiating history, I was of the view that a reasonable case could be made that a second resolution was not necessary and that was, on past precedent, sufficient to constitute a green light."
Earlier, Lord Goldsmith admitted that he believed invading Iraq would break international law but came to a "different view" when he was asked to give a "definitive" opinion on the eve of war.
He said: "At one stage my personal view was that taking all these factors into the balance, there wasn't enough there.
"The balance came down in favour of saying, 'no, a second resolution is needed' ...
"I then ultimately reached, when I had to reach a definitive view on this, a different view."
In July 2002, Lord Goldsmith attended a meeting in Downing Street at which he said self-defence and humanitarian intervention would provide "no basis" for the use of force against Iraq. He spoke briefly at the meeting but followed it up with a letter.
He told the inquiry: "I did it of my own volition because I knew that the prime minister was going to see president Bush in the United States.
"I knew that one of the topics of conversation at least was going to be the Iraq issue because that was obviously very much on the international agenda at that stage.
"And I didn't want there to be any doubt that in my view the prime minister could not have the view that he could agree with president Bush somehow, 'let's go without going back to the United Nations'.
"I wasn't asked for it. I don't frankly think it was terribly welcome.
"I do believe that it may have well been one of the contributing factors to the prime minister, to his great credit, persuading president Bush that he must go down the United Nations route."
Asked why his letter was not welcome, Lord Goldsmith said: "You will have to ask Mr Blair that."
Yesterday it emerged that Foreign Office lawyers were "unanimous" in their opinion that going to war without a UN mandate would be a "crime of aggression".
Lord Goldsmith also expressed "frustration" at the Government's refusal to declassify key documents relating to the run-up to war.
He said: "I want to make it clear that I didn't agree with the decision that has apparently been made that certain documents are not to be declassified but I will give the evidence that the inquiry seeks."
The inquiry chairman, Sir John Chilcot, told him: "We share your frustration."

domain: law


Wanted: Good owners
Montague to offer up former Strathmore Mill, Miller Falls properties
Aerial view of Strathmore Sunday afternoon. 07/05/27 Bird's Eye Views/Franz Purchase photo reprints »
MONTAGUE — Next week, two town properties taken for back taxes, the former Strathmore Mill and a chunk of downtown Millers Falls, will be put forward for adoption.
Town Planner Walter Ramsey said two requests for proposals will be issued Wednesday, offering each of the properties piecemeal, for free or a nominal fee, under the town’s homesteading program.
The program, developed by Town Administrator Frank Abbondanzio, essentially offers unwanted properties to a good owner, one willing to take on the costs associated with those buildings.
“Just getting the property in the hands of somebody who is going to do something productive with it is the most valuable thing the town can have right now; that will prevent the town from having to sink more money into these buildings,” Ramsey said.
Ramsey said proposals will be evaluated on the level of investment, whether the use is compatible with the surroundings, designs for facade improvements and whether the applicant can demonstrate they have the money to back their plans.
The homesteading process allows the town greater control over to whom the decaying properties go, according to Ramsey.
“The alternative that the town has is to just put the properties up for auction, at which point you don’t know who the buyer’s going to be and we’ve had a history of buyers who have been less than advantageous to the town,” he said.
The former Strathmore Paper Mill, on the canal in Turners Falls, is an all but vacant complex taken for back taxes in 2008.
An asbestos-contaminated debris pile left by a 2007 arson is scheduled for cleanup in the coming months, at a cost of approximately $189,000 to the town, with the remaining $200,000 to be paid through a grant.
The complex will be offered in three segments, the first the relatively intact Building 11.
Ramsey said if he had to speculate what any proposals will be for that building, in which two groups of artists — one from New York and one from Northampton — have already expressed interest.
The Millers Falls property is a block of land with four buildings at the corner of Bridge and East Main streets, identified as 26-28, 30 and 34 East Main St. taken by the town last year for nonpayment of taxes.
Ramsey said the property will be offered in three parcels; the three larger buildings with the smaller garage parcel to be attached to one.
Town Meeting members in October gave the Board of Selectmen authority to dispose of the property as they saw fit.
Both properties have cost taxpayers for legal, maintenance, cleanup and other expenses.
Ramsey said the town is not looking to recoup its losses but to prevent further loss.
“If you’re looking to try to make up the cost through the sale of the property ... we honestly feel that we’re not going to sell the property,” Ramsey said.
The request for proposal documents should be issued Wednesday and will be posted on the town website.
Turners Falls restaurant Ristorante DiPaolo is an example of the homesteading process.
Denise DiPaolo purchased the vacant, town-owned building at 166 Avenue A in 2005 for $1 and the promise to renovate the building in keeping with its historic character, and has been open for business since 2006.


text: I just started working as a massage therapist. I work in a spa but not as an employee. I pay rent on a room there. My question is if I need to have a certain amount of business expenses to be able to claim them? In other words, if I add up rent and equipment and it is less than the standard deduction, can I not claim that stuff?


text:
- Does lemon juice keep strawberries fresh?
- Do frozen strawberries have bugs?
- When should you throw out strawberries?
- Does freezing strawberries keep them fresh?
- Should you wash berries before refrigerating?
- Should you refrigerate avocados?
- How should strawberries be stored?
- Do strawberries last longer in the fridge or on the counter?
- Can you store strawberries in a Ziploc bag?
- Can you store strawberries in an airtight container?
- Should you wash strawberries before putting them in the fridge?
- Should strawberries be washed before freezing them?
- How do you keep strawberries from getting moldy?
- How long does strawberries last in the refrigerator?
- How do you know when strawberries are bad?
- Do strawberries last longer cut or whole?
- Can you store fruit in an airtight container?
- How do you store strawberries in a Mason jar?
- Is it OK to eat bruised strawberries?
Does lemon juice keep strawberries fresh?
yes lemon juice keeps strawberries fresh.
the acidity of the lemon allows the strawberry to not become moldy or rotten.
it also helps the strawberry to taste better and fresh..
Do frozen strawberries have bugs?
All frozen strawberries from Bodek are under the CRC supervision and is insect & bug free and does not need any checking. … (This will keep the soapy water from entering the center of the strawberry.
When should you throw out strawberries?
Strawberries go bad fast, so that plan should include both how you will store them, and you’re going to eat them, so they won’t go to waste….Discard strawberries that are:Moldy. Any signs of white or grey mold mean the specimen is spoiled.Bruised, soft, or mushy. … Losing color. … Off smell.
Does freezing strawberries keep them fresh?
Strawberries can be frozen whole, sliced or crushed, and with or without sugar. For whole, unsweetened berries, first freeze in a single layer on a baking sheet. Doing so will keep them from getting stuck together later on. Once they’re solid, place in freezer containers or bags.
Should you wash berries before refrigerating?
Secondly, you should never wash them before storing them in the fridge. That’s just going to increase the chance that they spoil prematurely. The instinct to wash fruit is a good one ― just wait to do it right before eating it. … Instead, store properly dried fruit in the fridge and wash it when you’re ready to eat.
Should you refrigerate avocados?
Where to store avocado? Depending on your avocado’s ripeness, you should either store it in the refrigerator or at room temperature. Stick your avocado in the fridge to slow down the ripening process or leave it on the counter or in the pantry to allow it to ripen further.
How should strawberries be stored?
Store the fruit in the crisper drawer of your refrigerator. Keep strawberries packaged in closed plastic clamshell containers or place fruit in a partially opened plastic bag to maintain high humidity. Do not wash berries until just before eating or preserving.
Do strawberries last longer in the fridge or on the counter?
The reason is that strawberries are highly perishable and do not ripen after being picked — leaving them at room temperature will only speed up their decay. As detailed here, strawberries will keep in the refrigerator for about three to seven days; you can also freeze them for longer-term storage.
Can you store strawberries in a Ziploc bag?
For longer lasting strawberries, the key to longevity is the freezer. Instead of washing your berries, freeze them on a covered baking sheet (wax paper or plastic wrap works) for a 3 to 4 hours. Take them out and then place them in a Ziploc bag for long-term storage.
Can you store strawberries in an airtight container?
Unlike whole berries, once strawberries have been cut or hulled, they should be stored in an airtight container to protect the exposed flesh from mold and bacterial development, significantly reducing shelf life.
Should you wash strawberries before putting them in the fridge?
A: Yes! The trick is to keep berries cold and dry so they won’t mold. For the short term: Arrange the berries (without washing or removing the stems) on a paper towel-lined tray and cover with plastic wrap; then refrigerate. Before eating or using them, wash the berries under cool water and then remove stems.
Should strawberries be washed before freezing them?
When you’re getting ready to freeze your berries, rinse them under running water (don’t soak strawberries to wash them — it can cause the berries to lose some of their natural flavor). … If you’re cutting up your berries to use in something, you can do that before freezing. Flash freeze them individually.
How do you keep strawberries from getting moldy?
How To Keep Berries FreshOnce you bring your fresh berries home, the key to keeping it fresh is to kill any spores on the fruit. … Place the berries in a large bowl and wash them in a vinegar-water bath: 1 cup of white vinegar and 8 cups of water.More items…
How long does strawberries last in the refrigerator?
five to seven daysRemove the berries from their original container, and store them whole and unwashed in a partially-closed container lined with paper towels to absorb any excess moisture, preferably in a single layer so they don’t get crushed. They should last up to five to seven days.
How do you know when strawberries are bad?
A perfectly ripe strawberry should be bright, firm, and smell sweet. If a strawberry is wrinkly and discolored, it might not necessarily be rotten (unless there’s visible mold on the outside or inside of it), but it should be used within a day.
Do strawberries last longer cut or whole?
Cut Stems + Airtight Container, fresh for up to 1 week Cutting the stems off a strawberry and placing them in a container is the most common way to store strawberries.
Can you store fruit in an airtight container?
The best method is an airtight container left out on a cool counter loosely packed with a small damp piece of paper inside.
How do you store strawberries in a Mason jar?
Storing strawberries in a glass jar can help them stay fresh for weeks at a time. Transfer unwashed berries to a jar (a Mason jar is perfect for this) seal with a lid and pop it in the refrigerator. That’s it. Your berries will stay fresh and flavorful for at least two weeks, sometimes longer.
Is it OK to eat bruised strawberries?
So it’s no surprise that in the image above, these older strawberries seem to be caving in, with their weakened flesh sporting bruise-y spots. Also, check out the leaves: they’re looking pretty dry and crispy. Softening fruit like this is more susceptible to mold, but as long as you don’t see any, it’s still fine.


text:
|Date: 7th September 2015, Location: Italy, Siena, Event: Events|
|Technology: Projection Mapping|
This summer, the city of Siena in Italy is celebrating its glorious history. Every night, the Piazza del Duomo is lit up by a Ventuz powered projection mapping installation on the city’s old cathedral. The project was created by Filmmaster Events and our customer Clonwerk and will continue until the end of September.
The installation tells the story of the city of Siena in a series of beautifully produced videos. Clonwerk is using Ventuz as a playout and mapping tool in order to bring the videos onto the cathedral’s facade in a smooth and reliable manner. Nine 20k projectors are powered from a single Ventuz server to put out a final resolution of 2200×3080 pixels onto the building.
Additionally, Clonwerk created a custom interface with a graphical timeline, which allows them to easily manage all video and audio clips needed for the show. This interface communicates with the Ventuz playout servers and the lighting console via an SMPTE timecode, keeping the entire installation in perfect synch at all times.
The intriguing video content and the originally composed music make this project a must-see for everyone who travels through Tuscany this summer.


text:
In a bipartisan House vote approving the Unlock Michigan petition, state Rep. Mark Huizenga backed the repeal of an unconstitutional law Gov. Gretchen Whitmer used to impose onerous restrictions on the people of Michigan during the COVID-19 pandemic.
“The citizens of Michigan expect their governor and legislators to protect them and their liberties,” said Huizenga, of Walker. “As we have seen, unilateral action puts that protection in jeopardy. For a time, a governor may try to sidestep the Legislature and the people, but the successful Unlock Michigan initiative proves the people ultimately hold the key to their government.”
During the pandemic, Whitmer unilaterally placed major restrictions on people’s daily lives. For the first several months, she maintained that the Emergency Powers of Governor Act of 1945 (EPGA) allowed her to issue such orders — without the Legislature — indefinitely, until the state Supreme Court ruled the law unconstitutional in October 2020. The Unlock Michigan citizens’ initiative, which proposed the EPGA’s repeal, collected over 460,000 valid signatures from Michigan residents. The Senate approved the petition on July 15, and passage by the House today concluded the process. Initiative petitions take effect with legislative approval and do not require the governor’s signature.

domain: news


text:
I’m Worried About Mum
I’m Sally and I created I’m Worried About Mum after a long career in social work.
I want to make sure that professional social work advice, information and support to access the social care system is accessible for everyone.
I provide professional social work support and a positive shoulder for anyone who’s worried about mum (or dad, family member or a friend) to lean on when taking the next steps to resolving difficult family issues. With over 20+ years of experience in social work I am able to draw on my knowledge to help my clients achieve the best possible care for their loved one.
My aim is to provide support and practical advice to families with elderly loved ones as I believe everyone should have access to the information for appropriate care. Whether it be a reassuring voice at the other end of the line that you’re doing the right thing, or practical advice for getting support in place, I am here for you every step of the way. Advice can be provided for any stage of care from future proofing to crisis mode or simply peace of mind from understanding more about the social care system. I’m based in Cheshire, but I can help anyone across the UK with advice on how best to move on with their loved one’s care.
I would also like to educate the community on dementia and other long-term illnesses removing stigma and showing that you can still have a full and independent life with the correct care and support.
If you know of, or you yourself are struggling with any of these issues please do not hesitate to get in touch, I would be more than happy to have a free, no obligation chat.
The difference between me and a local authority social worker?
We are both qualified and registered social workers, but I work directly with families with no referral process. This means you won’t have to wait in a queue of people or until things get ‘really bad’, you will have access to me straight away for a private, personal and all-inclusive process.
I have access to a wide range of services and work with other independent professionals so I am usually able to help you or at least send you in the right direction for your problems or queries. I pride myself in being an accessible resource to provide clear and compassionate advice in a range of scenarios.

domain: health


text:
First, what does SSKI
stand for? I am on my third week of Iodoral and Co-Factors and have had problems with acne, hot ears and bloating. I have gained 10 lbs in 3 weeks. I started off with (1) Iodoral and have worked up to (4) Iodorals to equal 50 mg.
I've been reading a little bit about high dosing and am wondering if this would work with the Iodoral. I did test moderately low on my urine test, and was advised to stick with the 50mg. for the next (3) months before getting re-tested. However, with the symptoms I'm having, I'm about ready to quit.
Can someone give me some solid advise please. I appreciate it.


text:
Rachel made me dinner last night and it was amazing! So simple and yet, fabulous. Plus, it cost us almost nothing since she used all vegetables from Riverbank Farm (yes they still have vegetables in the winter) and we used some Sicilian Dipping Oil from my job at the Olive Oil Factory for flavoring.
1 box of gluten free pasta (quinoa garden pagodas are my favorite)
.5 lb baby kale
1 lb carrots, finely chopped
1 head of garlic, finely chopped
1 onion, thinly sliced
Sicilian Dipping Oil (note the parmesan flavoring doesn’t come from real dairy, so it is still vegan)
Salt + Pepper
Boil Pasta. While pasta is cooking, sauté the carrots, onions, and garlic in olive oil. When these are soft, throw in the baby kale for less than a minute just to turn it bright green, be careful not to overcook the kale. Add the vegetables to the pasta and smother the whole dish with Sicilian Dipping Oil. Salt + pepper to taste. Enjoy!


1. By this time next year, the GOP and Dems will be in a no-holds-barred catfight over Executive Privilege. There will be subpoenas flying in all directions as Dems try to expose the criminal misdeeds of the past five years and Reps desperately try to characterize it as dirty partisan politics. Sadly, it will all be politicized by the looming 2008 elections. Any progress the Dems make will be locked up in court, while Bush prepares a list of pardons that will more than quadruple any previous list.We are nearly at the "locked up in court" phase, with Abu Gonzo still in place.
2. Iraq will grind onward in ever deeper violence and misery. Howard and Bush will maintain their fantasy and keep stalling for time. PM Gordon Brown will unilaterally announce a timetable for withdrawal of UK troops by mid 2008.I'm not sure what Brown told Bush yesterday, but he still has six months to unilaterally withdraw. I suspect it is now official, if still secret, UK government policy. [UPDATE: Yep, I was right].
3. SOMEBODY in Iraq will sign a new Oil Law giving Big Oil the PSAs they crave (later Iraqi rulers will dismiss the contract as illegitimate) but private security firms will baulk at supplying the personnel to protect pipelines, drill new wells, etc. Big Oil will have to sit back and wait, contracts in pocket.The Iraqi cabinet has twice approved the new Oil Law, but cannot get it passed. Big Oil is still waiting.
4. John Howard's poll ratings will continue to sink as the Australian federal election looms in Oct/Nov. Either a terrorist attack on Australia soil will provide a sudden turnaround, or Howard, citing health reasons, will quit politics to spend more time with his family.Haneef was not quite the terrorist attack Howard craves, and his health is an increasing topic of speculation.
5. Gandhi's blogs will continue to suck and attract minimal visitors. He will continue to contemplate an end to blogging but will not be able to pull the plug on this compulsive habit. He will start writing a new book at least a dozen times, never getting past the opening paras and/or a general outline. George Soros will not send him any money.Not many books started, the rest is all spot on.
6. The sun will continue to rise, glorious and majestic, every morning. Villagers in sleepy Third World communities will continue to appreciate its glory more than caffeine-addicted office workers in the concrete jungles of New York, Paris, London, Sydney, Tokyo, and Brussels. Global warming will continue to seep into the collective consciousness, with new hybrid electric cars and much-touted political initiatives that will fail to live up to their promises.Actually the Global Warming debate has moved much faster now that Bush, Howard and their ilk have stopped denying it. Still a very long way to go, of course.
7. In response to slower ratings and changing political realities, the Murdoch media empire will continue to drift slowly away from its radical Zionist agenda without ever admitting error or relinquishing control of the levers of government in Australia, the UK and the USA. Global institutions like the IMF and World Bank will continue consolidating power in the hands of a global corporate elite, whose fortunes will continue to grow even larger. Protest groups will become more organized, but police interference with these groups will also grow. Political leaders, backed by the Murdoch press, will characterize such groups as "radical terrorists" and use harsh anti-terror laws to supress them. At least one major news story along such lines will be revealed as a hoax (but a later police investigation will reveal nothing).It will be very interesting indeed to see how protests at APEC are organised and reported. We've already had one big hoax story.
All in all, not a bad strike rate, and still five months to go. Stick with me, folks.


text:
I just found out that Bryan Cranston and Aaron Paul dress up as other Breaking Bad characters for season wrap parties and Halloween.
This is amazing
I was going to say “this is amazing”, buuuut….
just because a television show doesn’t actively address a specific issue doesn’t mean they’re actively avoiding it either. you know what happens when you try to stuff every possible social debate under the sun into one show?
you get glee.
that’s what happens.
The Walking Dead + Rick Grimes being the sass master
Casting appreciation gif.
This seriously pisses me off because TWO men of the “correct” ethnicity/race were asked to play the role of Khan. I don’t remember their names because this back when Into Darkness was in casting yo but they BOTH DECLINED.
So there’s a HUGE difference between “well, we asked the best in the business and they both said no, so we should go with another actor of the ‘incorrect’ race who is also very well suited for the role” and doing what the Hunger Games did which is literally only let white girls audition for Katniss.
When actors decline there is fuckall you can do. It’s shitty, no doubt, that Khan ended up being white, but BC did a great job in the role, while knowing he was third choice. I won’t begrudge him for taking it, and I won’t begrudge the casting crew for going with him after their best actors declined.
Otis going HAM on some watermelon
Just too adorable.
This Monday, Khaled Hosseini is coming to a local book store in Fairhope, AL, for a book signing. Admittedly, I had never read his books The Kite Runner, Thousand Splendid Suns, and most recently, And the Mountains Echoed. Well, what a great chance to get started. I began The Kite Runner last night and stayed up to gobble every single word. Being the spoilers enthusiast that I am, I decided to look up a summary on Wikipedia before I began. Did that affect the impact of the novel? Absolutely not. Having just finished, I am feeling so much right now. For Hassan and Sohrab, the incredible adversities they faced have left me astounded. For all the characters, I cannot describe in words how I do feel. It’s all a jumble of optimism and sadness. What I can say is that I cannot wait to read Hosseini’s other two novels and see him soon!
Shall we begin?
Everyone do the Neutron Cream Shake!
Benedict showing his respect for the real original Sherlock!


We got to attend the opening night of the Cincinnati Pops concert ‘The Final Frontier’ last night and it was amazing! Not just a concert, it was also a peek at the stars through the eyes of cinema and NASA. Narrated by Dean Regas of the Cincinnati Observatory and Stargazer’s fame, as well as the wonderful George Takei, Sulu from the original Star Trek series and an equal rights advocate, The Final Frontier took us on a journey through our exploration of the galaxy…fact AND fiction. A large screen behind the Pops orchestra showed footage from the Hubble telescope, the Mars Rover landing, Apollo missions, and even Neil Armstrong’s first steps on the moon. Some of the imagery was amazingly beautiful, and much of the history of the NASA program was new to my 10 and 7 year old kids, at least as far as actual film footage goes. Backed up by the amazing Cincinnati Pops orchestra, conducted by the amazing John Morris Russel, the whole night was a fantastic trip through the stars!
Of course, no night of ‘stars’ would be complete without the music of Star Wars and Star Trek…and this is where my kids REALLY got excited! Just check out some of the cool characters we got to meet before the show and during intermission:
Bottom line: this was an amazing night of fantastic music, learning experiences, cool characters, and fun! Both narrators were very funny and engaging and I thoroughly enjoyed listening to everything they had to share with us. The music was phenomenal , we all really enjoyed hearing new (to us) music, and hearing a live orchestra perform music that is so familiar to us was really breathtaking. If you want to introduce your children to a live orchestra this is definitely the concert for you. It was a great learning experience for my kids, and kept them fully engaged through the entire show!
The Cincinnati Pops Orchestra will be performing The Final Frontier at Cincinnati Music Hall, 1241 Elm St. Cincinnati, Oh. Tickets start at $25 for adults, children ages 6-17 get in for only $10 for all show times for this amazing event. There are still two shows left: Saturday (today!), Sept. 21 at 8 PM and Sunday, Sept. 22 at 2 PM. Don’t miss your chance to be a part of this wonderful concert! Visit their website, www.cincinnatipops.org, for show and ticket information.