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This is why some investors like to buy gold in a more indirect fashion, via mining stocks. The prices of mining stocks tend to follow the prices of the commodities on which they focus, so there's a logic to this approach. However, because miners are running businesses that can expand over time, investors can benefit from increasing gold production. This can provide upside that owning gold coins never will.
401ks can have slightly different rules for rollovers and transfers. If you have a retirement plan through your current employer, you might want to check with them first. Some employers do not allow gold investment as part of their 401k plan unless you quit your job. Before diving into a Gold IRA Rollover, make sure you understand your employer's 401k plan. While there are ways around employer restrictions, it is helpful to know whether this will be an obstacle from the beginning of the process.
The impact of the gold rush in California, America and on the wider world, cannot be overstated. Globally, one of the most interesting examples of this effect is of France. It is estimated that US$80 million of gold from California ended up there. In the years following the gold rush, this level of gain was echoed throughout other countries of the world.
The success of the GSA Top10 is driven in large part by the depth of GSA research and analysis. Subscribers and industry professionals alike recognize John Doody and his GSA team as the source of the most thorough technical, economic and operational analysis of gold mining stocks. This information is unequaled in range and detail, and is shared with you in each issue of the GSA-Top10 Newsletter.
The U.S. Gold Bureau was founded under the premise of bringing trust and integrity to all aspects of the precious metals acquisition process. Our goal is to always exceed our customer’s expectations by helping them to make better, more informed buying decisions. We understand that when acquiring precious metals, you have many choices to consider. Your Precious Metals Specialist will serve as a great resource to guide you step-by-step as you navigate through those choices. Each of our Precious Metals Specialists has been through an extensive training program and is well equipped to assist you at all stages of the process. We will always be honest and upfront with you, we will treat you with respect, and we will complete your order exactly as we have presented it to you – each time, every time.
“The abandonment of the gold standard made it possible for the welfare statists to use the banking system as a means to an unlimited expansion of credit. In the absence of the gold standard, there is no way to protect savings from confiscation through inflation. There is no safe store of value. Deficit spending is simply a scheme for the hidden confiscation of wealth. Gold stands in the way of this insidious process. It stands as a protector of property rights. If one grasps this, one has no difficulty in understanding the statists’ antagonism toward the gold standard.” ~ Alan Greenspan
If you already have an IRA or 401(k), either regular or Roth, you have the option of rolling over some or all of its funds into a gold IRA. The rollover process is the same as for any other retirement fund. You typically fill out an account application (whether online or on paper), and the account is usually established within 24 to 48 hours of completion and receipt of the application.
Yes, this method of purchasing physical gold and silver has become increasingly popular. To fulfill the demand for such services, we’re now offering our Royal Survival Packs. From $5,000 to $500,000, these hand-picked mixtures of precious metals have been assembled for their high levels of liquidity and recognizability all over the world. In case of emergency, you’ll be glad you have one of these stashed away.
Consult the complementary American Bullion Gold IRA Guide that brings information and visuals together to educate you on owning gold and other precious metals. You’ll find tips on Gold IRA investing – such as how to buy precious metals, which metals are allowed in specific IRAs, how to liquidate your metals, global factors that impact the precious metals market, and more. The Gold IRA Guide will show you why gold has remained popular for thousands of years. Safeguard your future with a Gold IRA from American Bullion – take the first step by requesting your Free Gold IRA Guide today.
There is no precious metal in the world coveted more than gold. The famous “yellow metal” has been a standard by which wealth is measured for centuries, and as civilizations took the first steps out of the Dark Ages and into international trade in the Middle Ages and beyond, gold was there as the standard unit of commerce used by nations and people who spoke different languages. Despite language and cultural barriers, everyone understands the value of gold. Today, gold bullion remains a primary vehicle for private investment and the protection of wealth. The JM Bullion catalog contains a wide array of gold bullion products, some of which you can learn more about below.
The 2008 Crisis was a big wake up call for many American investors. Real Estate prices dropped overnight. Stocks & bonds became highly unpredictable. Major currencies like the US dollar and Euro also went on a downhill path. Virtually every other type of traditional investment was no longer trustworthy. Banks and governments themselves have been looking for ways to hedge against market volatily, and precious metals such as gold and silver turned out to be the best option.
Every ounce of gold is basically the same as every other ounce. There is no way for a company to create unique value in the gold it produces. And, as such, gold is a commodity that trades based on supply and demand. Physical gold is usually traded in the form of bullion, which is simply a gold bar or coin stamped with the amount of gold it contains and the gold's purity. (Bullion is different than numismatic coins, which are collectibles that often trade based on demand for the specific type of coin and not on their gold content.)
Mainly a part of the discussion when we talk about any gold bullion instrument – premium over gold spot price refers to how much more a product is worth (premium charged) over the melt value of gold present in the gold bullion coin, round, or bar. Factors like their minting source, age, rarity, and collector demand play a critical role when valuing a gold product outside its melt value.
In order to fully understand the purpose of gold, one must look back to the start of the gold market. While gold's history began in 3000 B.C, when the ancient Egyptians started forming jewelry, it wasn't until 560 B.C. that gold started to act as a currency. At that time, merchants wanted to create a standardized and easily transferable form of money that would simplify trade. The creation of a gold coin stamped with a seal seemed to be the answer, as gold jewelry was already widely accepted and recognized throughout various corners of the earth.
You may hear gold bars being measured with the term "troy ounces." This term is meant specifically to measure the weights of precious metals like gold. A troy ounce is about 10 percent heavier than a normal ounce and is not used today outside of measuring precious metals and gem stones. The price of gold fluctuates with the market, and as a result, prices of gold bars will fluctuate as well. Even though the U.S. doesn't adhere to the gold standard anymore, the price of gold is something that a lot of Americans still like to keep a close eye on, as many see it as an indicator of our current economic times. Keen investors tend to keep an eye on the price-per-troy-ounce of gold and invest accordingly.
The other interesting thing is the exposure to oil that Franco-Nevada offers. Its impending acquisition of $110 million worth of oil and gas royalty rights in the Midland Permian Basin combined with its recent $100 million investment in the STACK play in Oklahoma should leverage Franco-Nevada to growth opportunities in eight out of the top 20 active oil counties in the U.S. The company believes it could triple its oil and gas revenues in the next decade.
Made possible by the Taxpayer Relief Act of 1997, a gold IRA is a type of long-term retirement account in which a custodian holds precious metals for the account owner. Although gold IRA is the most common name, that doesn’t mean you can only purchase gold with the plan. You can also hold certain types of silver, platinum and palladium. Gold IRA plans are typically self-directed IRAs, which allow more diverse investments than a traditional IRA.
Due to the rejuvenated momentum of gold, it is still viewed as a solid investment strategy, when paper currency has proven to be anything but stable. Gold has a reputation for offering protection against devaluation of paper currency and various other negative effects of unsound policies and government overspending. Gold IRA rollover is gaining in popularity among investors for providing protection of the retirement accounts or those that would like a more diversified and safe portfolio.
I can’t say I blame investors for not seeing the light. Yamana’s COGS are out of control, putting the company in a bad position before it gets to the middle of the income statement. The bottom line has improved significantly in recent years, but its still mired in red ink. Capex also ballooned last year, and free cash flow is negative over the past five quarters.
Gold rounds look like gold coins, but they have no currency value. They range in similar sizes as gold coins, including 0.05 troy ounce, 1 troy ounce, and larger. Unlike gold coins, gold rounds commonly have no additional metals added to them for durability purposes and do not have to be made by a government mint, which allows the gold rounds to have a lower overhead price as compared to gold coins. On the other hand, gold rounds are normally not as collectible as gold coins.
Many investors wanted to profit from these tremendous increases in the price of gold. They bought it as a direct investment to take advantage of future price increase. Others continue to buy gold because they see it as a finite valuable substance with many industrial uses. Last but not least, gold is held by many governments and wealthy individuals.
Strength in the dollar Monday was “partially undermining [gold] but we get the sense that a slight tilt back toward ‘deflationary’ psychology from slower Chinese data, and continuing weakness in equities is undermining classic physical commodities like gold, silver, copper and energies,” analysts at Zaner Precious Metals, wrote in a daily note. “Clearly the safe-haven role of gold remains in place under the surface, but the declines in global equities overnight haven't risen to the level to stoke rotation/safe haven buying.”
Gold is a timeless investment to protect your wealth. A time capsule from any century is sure to include gold coins or bullion. Discover the security and pride in ownership for yourself. Pool your resources and make an important decision about your financial future. Talk to a knowledgeable professional at Money Metals Exchange by calling 1-800-800-1865 today to learn how to buy gold bullion for greater financial security. We take pride in offering outstanding service, great pricing, and fast delivery times to everyone – from novice buyers to sophisticated investors.
Golden Eagle Coins offers a system making it easy to buy gold online. Simply place an order on our website and this will lock the price in at the time of order. The best way to pay for the product is usually a bank wire, however we accept many different payment methods. Most will vary with processing time, wire transfer being the fastest. Gold can be purchased 24/7, 365 days a year on our website. We also offer local pickup options in the Washington DC, Maryland & Virginia metropolitan area. Gold product prices are tied directly to the world spot gold price and are updated every minute in real-time. Premiums for both coins and gold bars can vary depending on the product as outlined below.
Exchange-traded funds. If you don't particularly care about holding the gold you own but want direct exposure to the physical metal, then an exchange-traded fund like SPDR Gold Shares is probably the way to go. This fund directly purchases gold on behalf of its shareholders. You'll likely have to pay a commission to trade an ETF, and there will be a management fee (SPDR Gold Share's expense ratio is 0.40%), but you'll benefit from a liquid investment that invests directly in gold coins, bullion, and bars. That said, not all gold-related ETFs invest directly in gold, as I'll discuss below.
On the other end of the spectrum is a school of thought that asserts gold is an asset with various intrinsic qualities that make it unique and necessary for investors to hold in their portfolios. In this article, we will focus on the purpose of gold in the modern era, why it still belongs in investors' portfolios and the different ways to invest in the gold market.
Track record. Look for a company with an outstanding reputation from objective third parties, such as the Better Business Bureau or the Business Consumer Alliance. Moy says it may also be helpful to dig into what customers say about the company, especially the number of complaints filed. He looked for firms that were "educational and not pushing a hard sell."
As of April 9, 2018, the silver price per ounce was about $16.43 per ounce, whereas gold traded at about $1,332.80 per ounce, meaning gold was about 81 times as valuable as silver. Although this might imply that there should be about 81 times the amount of silver in the world as there is gold, the proportion is actually much smaller: There’s roughly 19 times the amount of silver in the Earth’s crust as gold, and when it comes to the amount of these precious metals mined, the proportion shrinks to nine to one.
Custodians are responsible to protect your investment and take care of all the bookkeeping and account maintenance tasks. They charge you some amount on yearly basis, which may range from $75 to a few hundred bucks. The rate varies from custodian to custodian and most of the IRS-approved custodians disclose their fees on their websites. So, you can easily compare the rates and choose a custodian who charges the least amount.
Investing in gold IRAs is similar to other individual retirement account vehicles. The key difference lying in the actual physical gold held by the account rather than paper currency. You need to transfer your current 401k or IRA via an Internal Revenue Service approved rollover procedure. It is tax-free. Your gold will be stored in a secure location until you choose to act upon it by either selling it for cash or having it shipped to you.
The statements made on this website are opinions and past performance is no indication of future performance or returns. Precious metals, like all investments, carry risk. Precious metals and coins may appreciate, depreciate, or stay the same depending on a variety of factors. Lear Capital, Inc. cannot guarantee, and makes no representation, that any metals purchased will appreciate at all or appreciate sufficiently to make customers a profit. The decision to purchase or sell precious metals, and which precious metals to purchase or sell, are the customer’s decision alone, and purchases and sales should be made subject to the customer’s own research, prudence and judgment.
One approach to deciding how much of a diversified portfolio should be allocated to gold is to measure the percentage of worldwide financial assets that bullion represents. According to the World Gold Council, the total value of all the gold that has ever been mined is around $7.5 trillion. That’s about 4% of the combined value of the global stock, bond and gold markets.
Local coin and bullion shops may carry various types of bullion bar and coin as well as numismatics and collectibles. Such shops may, however, carry smaller inventories and charge higher premiums compared to online dealers. This makes sense, after all, given the fact the brick and mortar coin shops tend to have higher operating costs compared to online dealers.
Gold bullion is produced in the form of Gold coins, Gold bars and Gold rounds from mints and Precious Metal refiners around the world. When Gold buying, you invest in an asset class that is as old as civilization itself. For thousands of years, Gold bullion has held stable purchasing power during inflationary times but can play an important role in a modern portfolio. Gold prices generally move independent of stocks and can provide a bright spot in your investment portfolio during an economic downturn.
Holds its value. Gold tends to maintain its value over time. Economists argue that even the price of gold is not indicative of its value. That is, even if the price decreases, the underlying value of gold does not change much. This is largely because there is a fixed quantity of gold due to the fact that it is a commodity, whereas the U.S. dollar, which is a form of fiat currency, holds no inherent value.
Does that mean no one should ever invest in gold? I would say anyone who reads this newspaper should never do so. If you have access to a modern financial system with all its options of a large variety of asset classes, then you should not invest in gold. Gold makes sense only for those who have no access to or trust in the financial system. Gold is best viewed as an alternate currency. You must remember how during the demonetisation, there were stories of housewives who secretly squirreled away large amounts of cash. I know of one who had kept more than Rs 10 lakh safe from a do-nothing husband. That’s the kind of person who could have done better with gold instead of cash. It would have maintained value better than cash, and as it turned out, would have been safe from being demonetised.
Once the kingpin of the gold stocks, Goldcorp. (NYSE:GG) hasn’t exactly lived up to its golden moniker lately. The firm has suffered and trailed behind its rivals as higher costs and lower production have hurt its bottom line. Last quarter, the firm missed big-time when it came to its expected profits. But updates since then have been pretty positive.

domain: finance


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Organic Butter Flavor Emulsion for High Heat Applications

domain: chemistry


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Two are still standing. The number of Republican presidential candidates has been narrowed down from 15 or so to just two, Donald Trump and Nikki Haley.
It’s a reality of current political life that in a nation of 50 states and more than 300 million people, two small states like Iowa and New Hampshire can play such a commanding role in determining the nominee of a major political party. Not only do they have small populations, but their demographics are atypical of so much of the rest of the country. They have no large cities, very few minorities and minimal union membership.
As for the Democrats, President Biden was and is their only candidate, guaranteeing his renomination and creating the probability of another general election campaign between two candidates, Biden and Trump, who are viewed unfavorably by a significant majority of the American people.
The remaining question is whether Haley has any viable path to victory and, if not, how long she will remain in the race. Supporters of Trump, of course, are calling for Haley to end her candidacy so that all energy and funding can be directed toward the general election against Biden.
Let me acknowledge up front that I am biased toward Haley. During her time as ambassador to the United Nations, I had the chance to meet with her and to observe the outstanding job she did fighting for and defending America’s interests from attacks in that dysfunctional, anti-American international body. Her forceful, articulate encounters with ambassadors from Russia and anti-Israel, third-world dictatorships rank alongside those of Ambassador Jeanne Kirkpatrick during the Reagan years.
I always found Haley to be cordial and agreeable as well as knowledgeable and dedicated. Members of her security detail would tell me how thoughtful she was, with no arrogance or condescension. And as a practicing politician for many years, I truly admire how she has bested all the other Trump challengers in what is such a grueling marathon. Running for Congress in a single district for a few months is exhausting enough. Doing that nationwide for more than a year as a decided underdog, defying the odds while fighting off slings and arrows from Trump, is in another league altogether.
Having said all that, I don’t think Haley has a real chance of beating Trump to the nomination. The next major contest will be the South Carolina primary on Feb. 24. Though she was a successful governor of that state, polling shows her trailing Trump by as much as 30 points. After that, her only even remote hope would be the multiple state primaries on Super Tuesday, March 5. Adding to her woes is the reality that the more it appears Trump will be the certain nominee, the more her funding will dry up.
Still, I think Haley has the right to stay in at least for a while longer. Not only is it difficult for a candidate who has made it this far to give up her dream overnight, but Trump’s barrage of petty attacks on her in his speech after the New Hampshire primary would make her withdrawal from the race appear to be a surrender to his heavy-handed tactics. As for the Trump camp’s appeal for party unity and a concerted effort against Biden, Trump squandered that opportunity not just by attacking Haley, whose support he will need in November. He also missed his chance to lay out his case against Biden before a national audience.
My guess is that, sooner rather than later, Haley will realize that she has taken her campaign as far as it can go, and will withdraw. But she will do that at a time and in a manner of her choosing. And she will do it with class.
Peter King is a former congressman, and a former chair of the House Committee on Homeland Security. Comments? pking@ liherald.com.

domain: news


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Full Article: http://www.cinemablend.com/games/75-Gamers-Say-Graphics-Do-Matter-Purchasing-Game-64659.html
"As much as it's touted throughout gaming communities that gameplay is king (and it is) graphics still matter quite a bit when making a decision on whether or not a game is worth buying. In fact, 75% of gamers feel that graphics do play a part in their decision to purchase a new title.
According to a new Consumer Electronics Association market research survey from the membership section, we learn a ton of new details about playing and buying habits of the core gaming audience, as well as some bits about mobile gaming.
Unsurprisingly enough, graphics still play a pretty big part in purchasing titles for home consoles, but game quality still comes out as king with 89% of gamers saying that a game has to be quality-made to get them to make the dive. 79% responded that they would purchase a game based on the price of the game, showing that some games could make or break their presence on the market based on price (the first thing that comes to mind is a lot of gamers may be purchase-reticent about Battlefield: Hardlineif it carries a $60 price point since there's a lot of chatter from the community that the game feels like a Battlefield 4 expansion)."

domain: economics


Water is one of our most critical resources, and yet we continually deplete the clean water supplies we do have, and then discharge dirty water back to the environment with minimal treatment, or in many cases no treatment at all. The UN considers water scarcity to be one the greatest challenges of our time, and it is currently getting worse, not better. We believe that one of the best solutions is to make effective treatment affordable and easy to install to minimize the pollution we put back into the environment and ensure clean water stays clean.
At Boydel we’re passionate about making it easier for companies and communities to treat their wastewater streams so our kids and future generations have the clean water resources they need to thrive and enjoy life.
The Company was founded in innovation when two entrepreneurs, Randy Boyle and Randy DeLuca, realized that there had to be a better way to treat sewage than the centuries old “bugs and bubbles” of traditional biological treatment plants. They were seeing communities around them either dumping essentially untreated water directly into the environment, because they didn’t have the space or funds to build their own plants, or installing traditional wastewater treatment systems, with high cost and high odor, that still only succeeded in removing some of the contaminants polluting the waterways they were supposed to protect.
The Founders determined that they could do a better job using electro- chemistry instead of biochemical options and in 2009 the WaterMiner® was born and patented. They found their novel process worked even better than expected, treating water in a fraction of the time and space of traditional plants while removing more contaminants, including many of the emerging pollutants that stress environments and water supplies throughout the world. On top of that, they found that they could easily treat waters with high solids content that are considered very challenging to impossible for traditional plants to cost effectively manage.
In 2017 Norman Keevil joined as the companies first new President, bringing important management and engineering expertise, and helping to add Research, Engineering and Project talent to the team to position Boydel for growth.
The core innovation in Boydel’s WaterMiner® system is our dual-zone reactor that combines two electrochemical processes within a single treatment cell. Electrocoagulation and Electrooxidation have each been used successfully to treat wastewater for decades, but when we combined them together, we found each process enhanced the performance of the other, creating a powerful treatment platform where 1 plus 1 ended up being much greater than 2. With total treatment times that are more than 10x faster than competing options, we can make smaller plants that operate at lower costs, making it much easier to find the space and budgets needed for the best available water treatment solution in new or existing wastewater treatment plants.
Like so many new innovations, the WaterMiner® spent thousands of hours in development as we worked with customers, operating at scales from benchtop to full commercial platforms, to refine our systems and processes to be the best option to address their emerging challenges. After a lot of effort from our team, and great support from the Clean Tech community in Southern British Columbia and NRC-IRAP we have developed a truly high performance and low-cost effective way to treat difficult wastewaters that can easily be adopted in almost any wastewater management solution.
The world is changing quickly, and both industrial and municipal water managers are beginning to take much more proactive measures to reduce their environmental footprint, with water being a major contributor. Community expectations around these issues are increasing and putting pressure on companies and regulators to be continually improving to maintain their license to operate. At Boydel we’re pretty excited to be able to be a part of the solution to this growing challenge.
With engineering, manufacturing, laboratory capabilities in BC, Boydel is ready to take off and 2020 is proving to be a pivotal year for our Company. With new systems being delivered to treat oily waters, selenium in mine tailings and agri-food processing water, we are already starting to make a positive impact on our customers water footprint. We are already seeing success breed success, as other operators are taking notice of what we are doing in their industry and what we can do for them. It is an exciting time to be building clean technology when the World needs positive solutions to our pollution challenges, and Southern BC is one of the great places to be doing it.


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Bohris C et al, 2015: Improvement of SWL Efficacy: Reduction of the Respiration-Induced Kidney Motion by Using an Abdominal Compression Plate.
Bohris C, Stief CG, Strittmatter F.
Dornier MedTech Systems , Wessling, Germany .
Department of Urology, University Hospital Grosshadern, Ludwig-Maximilians-University , Munich, Germany.
BACKGROUND AND PURPOSE: In extracorporeal shockwave lithotripsy (SWL), respiratory-induced motion of the upper urinary tract may hamper stone targeting and disintegration. The objective of this study is to analyze the effect of abdominal compression (AC) to kidney motion and to shock wave efficacy.
SUBJECTS AND METHODS: The study included 10 volunteers and 10 kidney stone patients. AC was achieved by a wedge-shaped compression plate. Patients underwent a routine ultrasound-guided SWL. For analgosedation, remifentanil (∼0.1 μg/kg/min) was administered. The respiratory-induced kidney motion, as well as with free breathing and AC, was quantitatively evaluated on basis of recorded ultrasound videos. By definition, shock wave efficacy was 100%, if the stone center was aligned with the shock wave focus. Its decrease depending on off-focus distance was obtained by model stone tests. On this basis, a mean shock wave efficacy value was attributed to the displacement function resulting from each measured kidney motion.
RESULTS: In volunteers, the amplitude of the displacement function with AC (mean: 8 mm; range: 3-11 mm) was significantly lower than with free breathing (mean: 12 mm; range: 5-19 mm) (paired samples t-test, p < 0.001). Correspondingly, the mean efficacy improved to 91% (range: 78%-99%) from 79% (range: 59%-94%) (p < 0.01). In the patient cohort, the amplitudes were similar and the efficacy even higher because of the respiratory depressant effect of remifentanil. By AC, the efficacy improved to 93% (range: 85%-98%) compared with 87% (range: 77%-96%) (p < 0.01).
CONCLUSIONS: AC with a compression plate is easy to perform and well tolerated by patients. It significantly reduces respiratory-induced kidney motion and improves shock wave efficacy.
J Endourol. 2015 Dec 18. [Epub ahead of print]
One of the obstacles for successful disintegration of stones in the kidney, and to some extent also in the proximal ureter, is a low hit-rate for shockwaves depending on respiratory movements.
Clinical experience has shown that movements of the stone and the kidney/ureter vary considerably from one patient to another. The movements are small in patients previously exposed to open or percutaneous surgery, but can in other patients occasionally be quite extensive. Not only does the latter situation result in poor and slow disintegration; large respiratory movements are also certainly associated with increased fluoroscopy time. The usual recommendation to reduce this problem has been to place the stone in focus during maximal expiration.
A more effective method was the broad belt applied over the upper abdomen with the aim of reducing the amplitude of respiratory induced stone movements. As presented in this manuscript the introduction of an abdominal plate is a further improvement in optimizing the efficacy of SWL. The results in this report showed reduced amplitude of stone movement and an associated increased therapeutic efficacy.
Previous attempts with respiratory triggered shockwaves never were a success because of irregular respiration during SWL. The recently suggested method based on US-imaging might be useful provided such a system is easy to use .
When SWL results are published the problem of stone movement is almost never touched and interpretation of the need of a certain number of shockwaves in relation to the actual hit-rate is accordingly not possible. It can, however, be recommended that SWL operators pay increased attention to this important factor. Unfortunately, I have noticed that there is a reluctance even to use a belt, something that is difficult to understand inasmuch every kind of abdominal compression not only results in reduced respiratory movements, it also improves the coupling between the shockwave therapy head and the patient.
It might be a good idea to add facilities for application of an abdominal plate to modern lithotripters and also to incorporate a system for estimates of the stone movement and the hit-rate.
1. Sorensen MD, Bailey MR, Shah AR, Hsi RS, Paun M, Harper JD. Quantitative assessment of shockwave lithotripsy accuracy and the effect of respiratory motion. J Endourol. 2012 ;26(8):1070-1074

domain: medical


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On the web pay day loan providers usually portray on their own as financial-industry pioneers, but like a great amount of corners with this online, this one has some dirty secrets.
In instances where a customer indications up on line for the loan, there was clearly the possibility that is good the financial institution will immediately move ahead the key, trapping additionally smart, well-intentioned borrowers in a period of economic responsibility.
BorrowersвЂ™ private information could easily get offered over repeatedly, and when they fall behind on re re payments, they may face unlawful threats of arrest.
Also itвЂ™s additionally not merely creditors who utilize the target concerning the online to be a part of debateable conduct. a portion that is sizable of borrowers may actually do not have intention of ever repaying their loans.
The Pew Charitable Trusts has completed the absolute most thorough evaluation to date for the unsecured guarantor loan business, along with its findings, released Thursday, are scathing. The report, which relied for a study that is nationwide of, focus groups and information acquired from numerous sources, concludes that fraudulence and punishment are substantial on the internet market.
вЂќIt is clear that fundamentally the as a type of self-policing of online financial institutions have not yet worked,вЂќ claimed Alex Horowitz, research manager at Pew.
Pew, which include released three previous reports about payday lending, is a razor-sharp critic of both on the web and storefront loan providers. Even so the many report that is recent on methods online financial institutions are particularly distinctive from brick-and-mortar stores.
Among PewвЂ™s findings: nine far from 10 Better Business Bureau complaints about pay day loan providers consist of online operators, and though online loans just constitute about one-third about the total market; 30% of online borrowers report being threatened by that loan provider or monetary responsibility collector; and online payday loan routinely have really annual part rates of 650%.
The report illustrates exactly how various company models are for online and storefront lending. The largest expenses typically include lease, worker salaries as well as other overhead for storefront businesses. On the web financial institutions have actually number of those expenses, nevertheless their loss costs are sky-high the report estimates that chargeoffs represent 44% of income in the online industry, weighed against 17per cent inside the storefront world.
вЂќWith a store, it is actually a genuine one that arrived in, provided tips frequently, left a post-dated check, and everyday life and works nearby,вЂќ Horowitz reported. вЂќOnline, none of thisвЂ™s the real situation, and there’s no relationship either. Generally speaking thereвЂ™s a more risk for fraudulence.вЂќ
Other reasons that online spend time loans are extremely expensive will be the price this is certainly a lot of borrowers. Lenders count significantly on lead generators, which routinely need certainly to cover search engine companies quick payday loans Decatur Georgia from about $5 to $13 every right time a person clicks about the same associated with the adverts, based on the report.
This is certainly defined as breaking their stateвЂ™s strict rate of interest cap in one single state, Vermont, Bing, Microsoft and Yahoo have decided to advertising that is disable any loan provider. Pew officials stated they donвЂ™t have a accepted destination on whether google search organizations should keep any duty.
The lead generator that is biggest, MoneyMutual, which runs tv advertisements featuring past talk-show host Montel Williams, spent roughly $211 million on marketing more than a 12-month duration, the report discovered.
To be an upshot of the numerous advertising, customer leads are expensive to have. Pew discovered that a lead utilized to cost as much as $125, though prices have actually since dropped.


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She specializes in the pre-modern and early modern history of China, particularly the Qing empire (1644–1911), with a focus on frontiers and borderlands, inter-polity relations, STS (science, technology, and society), and the ways in which these issues informed empire-building projects. Using the paradigms of transnational history and empire studies, her research goes beyond the limits of modern nation-states and examines the position of the trans-Himalayan region in global history through a framework of comparative imperialism. Her research draws on materials in multiple languages, including Chinese, Manchu, Tibetan and Nepali, collected through extensive archival research in Beijing, Taipei, Lhasa and Kathmandu. She is currently completing her first book project, "The Limits of Empire: The Qing-Gurkha War, China's Borderlands, and the Trans-Himalayan Paradigm, 1788-1850."
Her research has been generously funded by the American Historical Association, the American Council of Learned Societies (ACLS), the Social Science Research Council (SSRC), the Fairbank Center for Chinese Studies, Harvard Asia Center, the Reischauer Institute of Japanese Studies, the Fung Foundation, and the Henry Luce Foundation.
Lin has a double-major B.A. in history and economics from Renmin University of China, and an M.A. in regional studies of East Asia from Harvard University.
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domain: library


Huntington Honda Service- Welcome in order to my own blog site, with this occasion I’ll show you about huntington honda service.
Honda Motor Company, Ltd. (Japanese: Hepburn: Honda Giken Kgy KK, IPA: [honda] (About this unquestionable listen); /hnd/) is a Japanese public multinational conglomerate corporation primarily known as a manufacturer of automobiles, aircraft, motorcycles, and capability equipment.
Honda has been the world’s largest motorcycle manufacturer in the past 1959, as with ease as the world’s largest manufacturer of internal combustion engines measured by volume, producing more than 14 million internal combustion engines each year. Honda became the second-largest Japanese automobile manufacturer in 2001. Honda was the eighth largest automobile manufacturer in the world astern Toyota, Volkswagen Group, Hyundai Motor Group, General Motors, Ford, Nissan, and Fiat Chrysler Automobiles in 2015.
Honda was the first Japanese automobile manufacturer to forgiveness a dedicated luxury brand, Acura, in 1986. Aside from their core automobile and motorcycle businesses, Honda plus manufactures garden equipment, marine engines, personal watercraft and knack generators, and new products. before 1986, Honda has been in force taking into account artificial intelligence/robotics research and released their ASIMO machine in 2000. They have after that ventured into aerospace behind the start of GE Honda Aero Engines in 2004 and the Honda HA-420 HondaJet, which began production in 2012. Honda has three joint-ventures in China (Honda China, Dongfeng Honda, and Guangqi Honda).
In 2013, Honda invested virtually 5.7% (US$6.8 billion) of its revenues in research and development. as a consequence in 2013, Honda became the first Japanese automaker to be a net exporter from the associated States, exporting 108,705 Honda and Acura models, even though importing by yourself 88,357.
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Hybrid analog and digital (HAD) beamforming has been recently receiving considerable deserved attention for a practical implementation on the large-scale antenna systems. As compared to full digital beamforming, partial-connected HAD beamforming can significantly reduce the hardware cost, complexity, and power consumption. In this paper, in order to mitigate the jamming along with lowering the hardware complexity and cost by reducing the number of RF chains needed, a novel hybrid analog and digital receive beamformer based on an improved bat algorithm (I-BA) and the phase-only is proposed. Our proposed beamformer is compared with robust adaptive beamformers (RABs) methods proposed by us, which are considered in the digital beamforming part. The evolutionary optimization algorithm is proposed since most of the RAB methods are sensitive to the DOA mismatch, and depending on the complex weights, resulting in an expensive receiver. In the analog part, analog phase alignment by linear searching (APALS) with a sufficiently fine grid of points is employed to optimize the analog beamformer matrix. The performance of the proposed I-BA is revealed using MATLAB simulation and compared with BA, and Particle swarm optimization (PSO) algorithms, which shows a better performance in terms of convergence speed, stability, and the ability to jump from the local minima.


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Friday, February 8, 2013
Pillowcases for Fidget
I promised to stitch a special pillowcase for Fidget for each major holiday this year! I just finished the Valentine's Day pillowcase, for which she picked out the fabric all by herself (yes, of course it is Hello Kitty fabric!). She also has her favorite heart family in her bed right now, we made these guys together last year. She drew the "patterns" for each heart, and I helped to cut them out of felt, stitch, stuff, and embellish them to look just like her drawing.
I'm sharing my new found love for making holiday themed pillowcases over at WeAllSew.com today along with some totally awesome free pillowcase tutorials and patterns, click here to see the post!

domain: design


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Good morning, everyone!
After several requests from you, here is an explanation of Curotherapy. The information comes directly from the curotherapy website of Magali and Jacques Largeaud. Nice reading to all!
« Principles of Curotherapy:
« Official medicine is based solely on the observation of physical matter. It considers that man is made up of a set of atoms which must hold the answers to all things. Everything must be physical, and what is not physical does not exist. Yet neither intelligence nor emotions can be seen under the microscope! Does this mean that they do not exist?
In reality, man is made up of 8 bodies of different frequencies, nested within each other and interconnected with each other. These are: a physical body (matter), an etheric body (energies), an emotional body (feelings), a mental body (reflections), a causal body (programs), a spiritual body (beliefs), a crystal body (perceptions) and a light body (emissions).
These different bodies are ALL affected by: injuries, shocks, blockages, memories, embarrassments, bonds that act on the physical if not healed, and parasites (spirits of diseases) of different frequencies, which feed on the different energies.
These being of an energetic nature, they are not perceptible through microscopes. Physical medicines have effects on physical parasites, but not on those of the energetic bodies.
Moreover, the habitat of people acts on its occupants. A person living in an unhealthy place is necessarily affected.
For a therapy to be effective, it must take into account the whole person: with all his bodies, all his past and present problems, as well as his place of residence. It must be carried out in a gentle (pain-free) and natural way (without side effects).
First of all, it must neutralize the elements that maintain diseases: parasites, blockages, bonds, memories…
Secondly, it must neutralize the sources that facilitated their installation: energies of the place, accumulated emotional shocks, mental blocks, genetic predispositions, memories or programs of past lives…
And to repair the damage caused to the bodies, in a natural and efficient way.
CURO therapy was born from these obvious findings.
The word Curo comes from the Latin cura which means natural and complete energy care. It is often used in the form of a cure to indicate a series of natural therapeutic treatments (a spa treatment, a youth cure, a slimming cure). The derived terms keep the same meaning: curatelle, curer, curetage.
Conventional medicine is dedicated to the physical body of man.
Curotherapy harmonises the energetic bodies and the place of living.
It is important to treat the lesions of the energetic bodies as well as those of the physical body, since they interact with each other.
Curotherapy therefore consists of: the Energetic Harmonisation of Places and People (HELP).
To perceive the energetic bodies, it uses clairvoyance and clear-sightedness. It is not a gift and any trained person can do it.
Let’s take the example of a person suffering from osteoarthritis of the knee:
In this case the doctor prescribes painkillers, fluid infiltration into the joint, or even an artificial prosthesis to replace it.
The ordinary naturopathic doctor prescribes calming water baths, clay poultices, lymphatic drainage by massage or herbal tea, painkillers and natural painkillers with no side effects.
In both cases, osteoarthritis continues its progression irremediably.
The Curotherapist knows that: osteoarthritis is caused by small etheric parasites in the form of mini crabs, which feed on the building energy of the atoms of the bones. This generates their degradation.
– He looks for and removes the parasites that are installed.
– It seeks and removes the phenomena that increase pain in other bodies (memories, shocks).
– It searches if there is a predisposition to the renewal of this pain.
– It helps the resorption of the lesions caused, by promoting the reconstitution of bones (dietary advice).
After these treatments, the joint is actually rebuilt (supported by X-rays). All those who have been treated in this way have seen arthrosis and pain disappear completely.
The principle is the same for the other diseases treated in Curotherapy.
It obviously does not replace surgical medicine, nor the care of complementary naturopaths who treat the physical body. However, it goes further upstream since it perceives and eliminates the sources and effects of diseases, and downstream since it uses the resources of nature.
Curotherapy proves to be effective in cases of general affections (osteoarthritis, rheumatism, depression, etc.).
in the aftermath of surgery, joint pain, cancer, neurodegenerative (Alzheimer’s…), autoimmune or rare diseases (cystic fibrosis…).
It is also in all types of diseases of animals, which are living beings with several energetic bodies and have similar problems. » (Source: curotherapie.blogspot.com)
There is also a video available by clicking on this link. 🙂
As a therapist (Energetician, Tarologist and Harmonization of Places), I recommend this site for anyone who wants to know more about the subject. An approach which is simple, authentic with an easy reading and accessible to the greatest number. There are two books that you should have in your library! Have a great summer!
I am available for any questions or to make an appointment.
Looking forward to meeting you!
Baptist Your Therapist (Energetician, Tarologist and Harmonization of Places)


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Troubleshooting your mold and algae problems
So you’ve germinated your seeds in a propagation chamber and moved them to your seedling rack. You’ve got another two weeks until they’re ready to transplant, but when you check on them, you notice that the tops of the plugs are covered in algae and mold.
What should you do now? Find out in this video post!
So, what’s the problem?
If you’ve got a green film or fruiting bodies on top of your seedlings, you’ve most likely got a mold and/or algae problem.
Either of these can become an issue if they get bad enough to smother the seedling or keep the crown of the seedling (where the stem meets the media) moist, encouraging plant disease.
So how do you identify the issue?
- Algae show up as a green slime on top of seedlings
- Mold will be evident from the fruiting bodies, which typically form a fuzzy-looking mass on the top of plugs.
Here are a few tips on how to control either (or both) of these issues.
If you have algae, shade it out
Algae can be a problem in large and small hydroponic systems alike and are easily controlled by limiting the light that shines on your growing substrate.
Unfortunately, light is also necessary for seedling growth. You want to decrease the light to the algae but keep light levels high enough for seedlings to grow. The answer is to use the seedlings to shade out algae. If growing conditions are right, then the seedlings will grow tall fast enough to shade out the top of the plugs, and algae won’t have a chance to grow there.
If you give your seedlings adequate light, nutrients, and air movement, then algae shouldn’t be a problem.
Another cause of algal growth is high moisture from over-watering. To ensure that your seedlings aren’t too moist, reduce watering (increase time between waterings on your timer) and make sure that you have a media that drains easily. The FlexiPlug is one of our personal favorite media for this.
If you have mold, use sterilized media
Mold spreads in contaminated media, so the first step to reducing mold and reducing the chance of mold is to get a high-quality (brand-name) media that has been sterilized.
The folks over at HortAmericas can consult on media type and get you set up with a media that is ideal for your situation.
Mold can also be caused by overwatering.
If you have either, reduce excess moisture and push aggressive growth
For either mold or algae, as well as other disease and pest problems, excess moisture is a big no-no. Although some people might think of the ideal farm environment as humid, indoor farms should actually be very dry. For seedling systems, this means letting the top of the plugs dry out between watering. (The plug should not always be wet.)
A second good practice for any seedling rack or seedling bench is to push seedling growth as much as possible. Mature seedlings not only shade out algae but reduce the susceptibility to algae and mold in general. If seedlings are transplanted a week or two earlier, algae and mold have less opportunity to infect.
The FlexiPlug is the type of media shown in the video above, and a favorite in our farm and Upstart Farms around the world. The plugs consist of bound organic matter and offer great moisture control to prevent mold and algae and speed up the time to transplant.
You can get a 200-cell Plug Tray for $2.99 here.

domain: agronomy


The United States Cyber Command has started an operation that involves contacting Russians to prevent them from meddling in the upcoming midterm election.
The targeted Russians are being told that they have been identified and the US military have been tracking their activities to prevent them from disrupting the American electoral process.
The defense officials, who provided information about the current operation, however, did not provide details about how the Cyber Command contacts the Russians. They did not also disclose the number of individuals the operation has targeted.
This is the first operation under a new presidential order that relaxes restrictions on offensive cyberspace actions against foreign networks. The campaign, first reported by the New York Times, is also the first known overseas cyber operation aimed at protecting the US elections from Russian interference.
“The US government leadership has made it clear that it will not accept any foreign interference or attempts to undermine or manipulate our elections in any way,” Cybercom spokesman Joseph Holstead said, according to CNBC. “This includes the whole-of-government effort to protect election infrastructure and prevent malign, covert election influence operations.”
The operation seeks to deter disinformation efforts but it is not yet clear if it is also aimed at more overt forms of cybercrimes such as hacking.
During the 2016 presidential election, the Russians were accused of employing several tactics, which include using fake accounts to post provocative posts on social media and hacking into the servers of the Democratic National Committee.
The US government has launched a campaign to protect the midterm elections which has so far led to last week’s indictment of Russian national Elena Alekseevna Khusyaynova.
As the Inquisitr earlier reported, Khusyaynova served as chief accountant for a disruption campaign funded by Russian President Vladimir Putin’s close associate businessman Yevgeniy Viktorovich. Khusyaynova became the first person to be charged by the United States for conspiring to interfere in the midterm elections.
Earlier this week, President Donald Trump’s national security adviser John Bolton said that he told Moscow officials that he considered Russian meddling in the American election process as “intolerable.”
“It’s a major obstacle to achieving agreement on issues where our national interest may converge,” Bolton said, according to The Guardian. “So I said, just from a very cold-blooded cost benefit ratio, that you shouldn’t meddle in our elections because you’re not advancing Russian interest, and I hope that was persuasive to them.”


The Neurodynamics and Evolutionary Robotics Development Kit (NERD) is developed as part of the ALEAR
NERD aims to become a versatile evolutionary robotics environment that is easy to use for different types of robots and neuro-controllers.
Including this goal, an easily usable mechanism of defining own motors and sensors is planned. The built-in robot simulator is based on a
physical abstraction layer that allows the exchange of the underlying physics engine with little effort (e.g. ODE, IBDS). This offers the possibility
of trying new physics engines.
To achieve a high degree of modularity and extendability, NERD uses several mechanisms in addition to common
object oriented programming techniques, that proved their usability and their potential to reduce the
implementation effort for applications with rapidly changing requirements. These mechanisms facilitate not only the usage of the library in a wide variety of applications,
but also provide a simple way to extend existing applications with user specific plug-ins. In the next release
users will for instance be able to extend the simulators with own motor models, agents and embedded controllers.
There are two main mechanisms used to enhance modularity and to decouple functional modules from each other:
an event processor and a variable repository.
NERD uses an event system for the interaction of functional modules. This system provides a run-time interface
for modules, using the classical observer pattern. Modules can create events at a globally available manager
instance and trigger these events to signal the occurrence of relevant events, e.g. the start or finalization
of a simulation phase or the detection of a collision in the simulator. Other modules interested in such an
event can register at the global instance to be notified at its occurrence. In difference to the signal-slot
mechanism provided by Qt, NERD events do not require a module to know the owner of an event at compile time.
Instead NERD events are identified by simple strings and resolved at run-time. Therefore it is easy to exchange
both, owners and event subscribers, with minimal changes at the application. Furthermore highly portable plug-ins
and modules can be implemented that allow users to select the required events manually at run-time and therefore
can be used in many different contexts.
Blackboard Architecture with a Global Variable Repository (GVR)
Modules in the library can exchange information using a global variable repository. This repository provides
access to variables identified by path names, similar to directory names in an operating system. Any module
can publish variables in this value repository, and read variables published by other modules. To access a
variable a module requires to know the name of the variable, not the owner of the parameter. Therefore modules
can easily be exchanged - as previously described for event processing - as long as the replacement of a module
provides the same set of variables at the variable repository.
(1) Three components add variables to the global variable repository. (2) Components connect to local variables of other components using the global names of these variables via the global variable repository. (3) Even if components are exchanged with very different other components (A,B replaced by D,E), all dependent components (C) can still work properly, as long as the required variables are available in the global variable repository.
Variables in the repository support a notification mechanism. In case a variable is changed, all modules
registered for notification are informed about the change.
All variables encapsulate a specific data type (e.g. bool, int, double, string, color, vector3d) and provide
corresponding methods to read and write the variable. Variables in the repository additionally provide a set of
methods to read and write the variable by using simple strings. Thus each variable comes with a build-in string
parser and string composer, to handle the strings to match the specific encapsulated type. So all variables in
the repository can easily be stored to files, displayed in user interfaces, modified with simple text fields or
loaded from files, independently of their encapsulated type.
The string interface of variables enables the implementation of general user interfaces allowing the observation and
modification of all repository variables in a uniform way. New modules therefore automatically get a simple
configuration tool to adjust all of their parameters, if these parameters are published in the repository. The
implementation of such a configuration panel then becomes optional.
The NERD simulator is an extensible simulation framework used to simulate arbitrary rigid-body experiments with any number of robots.
The underlying physics engine can be replaced so that, in principle, also uncommon experiment become possible, such as with airodynamics or under-water engines (not implemented yet).
Simulation environments in an NERD simulator can be defined with simple XML, so that experiments can be set up without programming knowledge. New motor and sensor models can be added via C++ plug-in to adapt a simulation to a physical robot, so that the transfer of evolved neuro-controllers becomes more successful.
Physical Abstraction Layer
NERD currently uses the Open Dynamics Engine (ODE) as primary physics
library to simulate the rigid body dynamics. However it was designed to work with a large number of physics
engines, such es the promising Impulse-based dynamic simulation engine (IBDS). NERD uses an
abstraction layer to describe, configure and manipulate physical objects. Because the physics library is hidden
behind this abstraction layer, it can be exchanged with little effort. Other modules, depending only on the
physical abstraction layer, remain unaffected by such a change. This enables the NERD library to make use of new
upcoming physics simulation technologies and to pursue very different strategies to accurately model motors and
sensors of the robots.
Object collisions in the simulation are resolved within the native physics or collision detection library, thus
behind the physics abstraction layer. After each simulation step collision information is projected to a physics
independent format and can be used by any module without dependencies to a specific physics or collision library.
Neural Network Library
NERD features an extensible neural network library to simulate artificial recurrent neural networks to control agents
in the simulations. The default network model is a time-discrete neuron model, that allows the selection of different transfer functions, activation functions and synapse functions for each neuron and synapse. Synapse functions can be used to implement local learning rules or higher order synapses as a simple extension of the model. The network model can be extended or replaced with custom network models, such as
radial basis function networks or time-continuous neurons.
In addition the NERD library provides a rich neural network editor to construct neural networks with graphical interaction, to analyze neurons while controlling an agent, or to prepare networks as initial seed for evolutions. Analysis of networks is supported by different kinds of plotters, tools to perform pruning experiments in active networks, visualization of activations of the network, and more.
NERD provides a set of libraries to use evolutionary algorithms to design suitable controller networks for simulated agents. The graphical user interface is designed to work with any evolutionary algorithm, as long as the implementation of the algorithm follows some simple conventions. This allows users to extend the applications by custom algorithms without the need to implement a user interface for them. Also independent of the algorithms, a set of statistics and logger components simplifiy the observation, intervention and analysis of evolution experiments.
Currently the NERD library supports the following evolution algorithms for neural structure evolution:
ENS3 (Evolution of Neural Systems by Stochastic Synthesis)


Listening to rhyming words is a must in preschool. It is part of “Phonemic Awareness”, which put in simple words is the ability to hear sounds in words.
One of my favorite activities is to sing “Willaby Wallaby Woo” by Raffi using the students’ names.
The first time I do this activity I introduce Mrs. Willaby Wallaby a silly puppet elephant who loves rhyming words. We talk about, define, exemplify, etc rhyming words.
Then I begin singing the song and place the elephant on each child’s head as I sing his/her name. The song becomes part of our circle time.
To make the silly rhyme just put W on the stressed syllable of the name. Examples: Welia/Amelia, Walice/Alice, Welen/Helen, Won/John.
Here is the link to this delightful Raffi’s song on youtube so you can have an idea of how it sounds.


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Amsterdam On The World Map Stuning Berlin Germany Creatop Me And
Information about World Map Amsterdam Netherlands
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domain: geography


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Wipro is seeing more stability in business volumes Indian IT services provider Wipro reported profit growth of 21 per cent and forecast growth for a second consecutive quarter on Tuesday. Net profit...
Trump could stop JEDI cloud contract over competition concerns as bidding comes down Microsoft versus Amazon
Computing charts the recent history of the ailing deal, with rumours building that the companies are on the cusp of acrimoniously parting company
SLAs regularly missed, staff turnover high and the mood is depressing, an insider at engineering giant AECOM has claimed, as outsourcing woes continue
'We didn't want to be two steps away from the action,' says delivery director Gavin Drescher
The 'service and innovation' model can help customers and service providers strike a mutually beneficial relationship


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As part of The 2020 Expo: A Showcase of Wahlberliner
Childhood is a viral infection that causes swelling in the glands of the neck.
Greta follows beauty tips, Jim considers himself to be the victim of paranormal activity, while Mary and Mrs. Ko fall in love with each other.
The mystery of the human soul creates a poetic universe full of absurdity, contradictions and hope, interrupted by scientific information.
It’s an accurate, erotic composition, an enigma based on reality.
Reality is funny.
The play encapsulates eastern civilization in a certain sense, wondering what knowledge is and providing a humorous perspective on human relations as an incredibly unique cosmos in need of revision and reunion; an attempt to make the gaze more tender and brave, while it envisions the present as a moment of coexistence, as eternity.
In the end, even death unites us.
Written | Directed: Artemis Chrysostomidou (Cyprus/Greece)
Performance: Heiki Riipinen (Norway) | Ivy Sayers (England/Germany) | Marina Argyridou (Cyprus/Russia) | Kleopatra Markou (Greece)
Associate Interdisciplinary Dramaturgy: Charikleia Tatsi (Cyprus/Greece)
Set | Costumes Consultation: Stephanie Ioannou (Cyprus) | Eleni Phyla (Cyprus)
Sound Design: Lia Stavropoulou (Greece)
Lighting Design: Ralf Arndt (Germany)
Additional funding provided by the Cyprus Ministry of Education and Culture, Cultural Services
Pre-project funding provided by Kulturrådet, Arts Council Norway
Supported provided by Temporars by Muzeum Susch, Art Stations Foundation Switzerland

domain: artistic


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One in two people living with chronic pain feel stigmatised by healthcare professionals and almost 80 per cent are battling mental health issues, according to the latest National Pain Survey.
Chronic Pain Australia President Nicolette Ellis joined Sky News Australia to discuss the key findings of the . . .
Kindly Register to access archived content

domain: health


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Maximum Daily Draw Down
This rule is also known as trader daily stop-lose. According to our rules, this is set as 5% of the starting or initial balance. This rule states that, any moment of the day from the open of Sydney Session to the closing of New York session. All the result of closed positions in sum with the current open floating P/L (profit and loss) must not hit the determine daily limit.
Example for a 10k account:
With the initial account balance of 10k, your daily loss limit is $500 (5%DD). If you happen to loss $400 in your closed trades, your account must not decline more than $100 this day. It must also not go -$100 in open floating losses, the limit includes swaps and commissions.
Daily Profit Booster
Vice Versa: If you happen to gain profit of $500 in a day, then you can afford to lose 2x of $500 because your daily loss limit is $500 (5%DD) and you made an additional $500 making a total of $1,000, but you cannot lose more than that, once again, be reminded that your maximum daily loss count on your open positions/trades. For example; if you close trade with a lost of $400(DD) and you open a new trade that goes into -$110 loss(DD) and the trade goes back to profit at the end. Unfortunately, it is already too late, you have lost your account.
Be careful as maximum daily lost reset at Closing of New York session, for instance one day you had a profit of $200, on the same day you have an open position with a current floating loss of $500(DD) on this day, the maximum daily loss is not violated. Because the current daily loss is $300 (daily set limit $500, you had profit of $200 making a total of $700, now open position with -$500 loss(DD), because you have a booster of $200 profit) however, if you hold this open position with floating loss of $500(DD) after closing of New York session, you have violated. This is because your previous day profit does not count to a new day and the open of $500 exceed the maximum daily loss.
The size of Maximum daily loss limit give the trader enough space and its guaranteed a clearly defined daily risk to the investor, both the trader and the investor benefit from this rules as the account value will not drop below the limit and help traders stay discipline. Read the policies of this trading objectives in the policies section…..
WATCH THIS VIDEO TO LEARN MORE:
Maximum loss limit
This rule can also be called an account stop-loss. The equity of the trading account must not at any moment during the account duration declined below 90% of the initial balance. Example with a balance of $100,000, it means that the account lowest possible equity can be $90,000. Again, this is a sum of both closed and open position (account equity not balance) the logic of the calculation is the same as the daily loss limit. The only different is that it is not limited to one day but the entire duration of the trading period. The limit includes swaps and commissions. 10% of the initial account balance gives the trader enough space to proof that their account is suitable for the investment. It is a buffer that should keep the trader in the game even if there were some initial loses, the investor has an assurance that the traded account will not decline below 90% of it value under any circumstances or challenges. TO BE CONTINUED !!!


PAWTUCKET, R.I.--(BUSINESS WIRE)--Sep. 25, 2017-- Hasbro, Inc. (NASDAQ: HAS) today announced that it will webcast its third quarter 2017 earnings conference call on Monday, October 23, 2017 at 8:30 a.m. Eastern Time, following the release of Hasbro's financial results.
Certain financial and statistical information included in the webcast, such as information required by Regulation G, will be available at the time of the webcasts in the “Press Releases” section of Hasbro’s website at www.hasbro.com, under “Corporate - Investors.”
The webcast and the accompanying presentation slides will be available to investors and the media on Hasbro's Investor Relations home page at http://investor.hasbro.com. Replays of the call and the Investor Day will be available at the same location approximately two hours following completion of each event.
Hasbro (NASDAQ: HAS) is a global play and entertainment company committed to Creating the World's Best Play Experiences. From toys and games to television, movies, digital gaming and consumer products, Hasbro offers a variety of ways for audiences to experience its iconic brands, including NERF, MY LITTLE PONY, TRANSFORMERS, PLAY-DOH, MONOPOLY, LITTLEST PET SHOP and MAGIC: THE GATHERING, as well as premier partner brands. The Company's Hasbro Studios and its film label, Allspark Pictures, are building its brands globally through great storytelling and content on all screens. Through its commitment to corporate social responsibility and philanthropy, Hasbro is helping to make the world a better place for children and their families. Learn more at www.hasbro.com, and follow us on Twitter (@Hasbro & @HasbroNews) and Instagram (@Hasbro).
View source version on businesswire.com: http://www.businesswire.com/news/home/20170925005951/en/
Source: Hasbro, Inc.
Debbie Hancock, 401-727-5401
Julie Duffy, 401-727-5931


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Unpredictable regulatory action and government interventions have turned China into a difficult environment for hedge funds, particularly for onshore liquid strategies, making conservative managers more attractive for investors.
The government has pumped public money into the market and placed restrictions on the sale of stocks.
Bruno Schneller, chief investment officer at fund of hedge funds (FoHF) Skenderbeg Alternative Investments in Zurich, agrees nobody knows the real price of stocks in
- Brexit novations ‘on hold’ to gain reg relief
- Banks hope final FRTB rules will ease NMRF burden
- Functional programming reaches for stardom in finance
- Mifid data publishers drag feet on Esma guidelines
- People moves: Bank of America names new Apac chiefs, Wilkinson leaves LGIM, Lloyds loses Coutte, and more


IBM® Lotus® QuickPlace® for i5/OS® is a tool that enables nontechnical professionals to create a secure, central workspace for team collaboration.
From a Web browser, authorized team members can communicate ideas, share files, update project calendars, and much more.
For more information about how QuickPlace can help with e-business collaboration in your organization, see the IBM Lotus QuickPlace for i5/OS Web site
For documentation on QuickPlace for i5/OS, see the IBM Lotus QuickPlace for i5/OS Library
Parent topic:Lotus software for i5/OS


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The Rule of 72
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.
Have A Question About This Topic?
We all know the stock market can be unpredictable. We all want to know, “What’s next for the financial markets?”
What does your home really cost?
This video discusses issues related to your retirement accounts when you move on from your job.


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Get ready for a bananamobile or a pineapple wagon.
Scientists in Brazil say they've developed a way to use fibers from the fruits to make strong, lightweight plastics that could be used to form car parts.
"The properties of these plastics are incredible," the leader of the project, Alcides Leão of Sao Paulo State University, said in a press release. "They are light, but very strong — 30 per cent lighter and three to four times stronger. We believe that a lot of car parts, including dashboards, bumpers, side panels, will be made of nano-sized fruit fibers in the future. For one thing, they will help reduce the weight of cars and that will improve fuel economy."
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Parking switch fury
LAST-minute changes to the council’s parking proposals have dismayed one Ely councillor, who has questioned whether the ongoing consultation process is valid.
Ely North Ward councillor Elaine Griffin-Singh said she and other “sceptical” councillors had worked hard to create a parking charge scheme that had taken into consideration the views of everyone concerned.
In the days after the proposal was approved for public consultation, councillors sitting on the Overview and Scrutiny and Strategic Policy committees introduced new options, which had not been previously discussed and could substantially alter the charging scheme.
Under the scheme originally approved by the council’s Development and Transport Committee in early November, a three-year guarantee was built in to reassure the public that the charges would not rise before 2015, when the next General Election is due.
An outline pricing structure was also put in place to see that the amount charged to visitors in the long-stay car parks was limited to a maximum of �1.
According to Cllr Griffin-Singh, however, both of these assurances have been altered so that, potentially, the charge could be altered by councillors before 2015 and the maximum charge for long-stay car parks was raised to a possible daily rate of �5.
“Sadly, these changes, cannot be laid at the feet of the opposition party, but at the feet of some Conservative councillors who chose to influence others and go against the agreed scheme,” said Cllr Griffin-Singh.
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“The price has potentially gone up even before the scheme comes in and not after, despite the promises our spokesman was asked to relay to the public, and despite the requirement to cover the cost of car park provision of �217,000 having been met by the projection.
“I know my public account will not make me popular with some colleagues but my priority is to my personal integrity and in representing the community who put their faith in me as a person or as a Conservative.”
Cllr Griffin-Singh added that, given the changes, she had been left questioning the validity of the current consultation. She told the Ely Standard, however, that she had not considered resigning.
“I recommend constituents use their right to comment on the three-year price guarantee and �1 per day maximum, which was the core of the unique scheme designed and promised for Ely,” she said.
Liberal Democrat councillor Ian Allen said: “Presumably, traders and residents were consulted about these late changes, or not?”
Councillor Peter Moakes, chairman of Development and Transport sub committee, said: “Over the last couple of weeks, two committees at the council have fed back suggestions to the consultation which we felt we needed be taken into consideration.
“We apologise for any confusion or inconvenience this may cause but we felt it was important to include this idea as part of the consultation so we could give all options to the public.
“In order to have the freedom to review any future car parking model, members also asked to remove the guarantee on all charges up to 2015.
“It is important to stress this does not mean decisions have been taken on the car park charging model we have chosen and for the remaining eight weeks of public consultation there will no additions.”
According to the council, more than 100 responses to the consultation have been received. The updated consultation will appear online at: wwweastcambs.gov.uk on Friday.


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Everyone knows that you need to offer a competitive benefits package if you want to attract and retain top talent – but what can you do when competing with the big dogs just isn’t an option? Give the power back to your employees, says Equitable Life’s VP.
Speaking about the launch of the company’s latest product, regional VP Chris Presley says they’ve found an ideal way for small businesses to stay competitive in the field of staff benefits.
“We started by talking to small businesses across the country about their frustrations with traditional product offerings,” he explained. “They told us they needed more flexibility to meet the diverse needs of their employees and compete for talent with larger organizations – without breaking the bank.”
Presley insists they’ve delivered – in the form of a cafeteria-style flex plan which gives employees more input on what they want from their benefits package.
“It’s similar to online shopping,” he explained, “just add to your basket and checkout your personalized plan.”
The product, which launched this month, is designed for groups of between five and 35. Employers define their contribution and choose a selection of benefit options before the reins are handed over to the employees.
At that point, workers personalize their own plan by choosing from the options offered by their employer. Additional coverage can also be arranged alongside payroll deductions.
With almost eight million Canadians working for small businesses, the plan could not only spell an improvement for many employees across the country but could also make the issue of recruitment and retention a whole lot easier for HR professionals who work within small organizations.
More like this:
How to win the recruitment race
Six tips for effective e-recruitment
How to get your employees to act like owners


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Superhero Story Time, Ages 2 and up
River Forest | Website
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Calling all superheroes! Fly on over to the library for an action packed story time adventure featuring stories, songs, and a cape-making craft. Dressing up as a favorite superhero is encouraged.


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Release Date: Out Now
Rejoice, for London’s Queens of Rock’n’Roll are back with new single ‘The Lie’ and it’s just in time to get your mosh on for the summer to relieve the stress of living in the middle of a political shit storm. Hawxx hit hard with anvil-esque drums and guitars that scream like the tortured souls of all those that said Brexit would be an easy deal. A rumbling bassline and a steely siren call of a vocal completes the set and if you’re not head banging and joining the circle pit by the end of this then the spirit of rock is not within you and, well, I pity you. “We’re lovers of the lie, terrified and pacified” they sing with powerful harmonies and the kind of directness that will get the message across whether you’re ready to listen or not.
More information: https://www.facebook.com/hawxxmusic/
1st-2nd June – Camden Rocks Festival, London


Upgrade your Emblaser laser cutter and engraver and take it to the next level with the new Darkly Labs 10W Laser Unit. This new, upgraded laser unit has been designed and manufactured from the ground up with exceptional performance, reliability and easy maintenance in mind.
Upgrading your Emblaser Core or Emblaser 2 is as simple as Plug & Play.
This is a cutting speed comparison between the original Emblaser 5watt laser unit and the new 10W laser unit.
The 10W laser unit features a finer laser beam. This creates double the amount of detail and offers more control when shading and engraving.
Smaller Kerf Size
Kerf is the width of material that the laser removes while cutting. The 10W laser unit has a kerf less than half the width of the original 5W laser.
You no longer need to remove the lens for cleaning. Darkly Labs have redesigned the lens mechanism and it now features a removable quartz cap that protects the lens from debris and makes cleaning a breeze. You will no longer need to touch the lens; this will extend its life and keep the lens performance optimal.
Plug & Play
Easily swap out your old 5W laser unit with the new 10W laser unit using the included tools and mounting brackets.
IMPORTANT SAFETY INFORMATION
All Emblaser Core Owners
Emblaser Core customers using the 10watt laser unit must upgrade their protective eyewear to the higher rated Laser Pair OD7+ to prevent potential eye injury.
Emblaser 2 Owners
Emblaser 2 Serial Number after E2-02910
Emblaser 2 machines with serial numbers higher than E2-02910 already contain the revised OD7+ rated lid. These machines can accommodate the 10watt laser unit with no changes.
Emblaser 2 Serial Number before E2-02910
Emblaser 2 machines with serial numbers lower than E2-02910 need to order and install a revised lid (OD7+ rating) in order to maintain a ‘Class 1’ laser rating and prevent potential eye injury when using the 10W laser module.


I grew up in Central Minnesota, learning to enjoy all of what Minnesota has to offer - whether it be enjoying a good hot dish, heading into the great outdoors to fish or hunt, or being let down by the Twins, Vikings, T-Wolves, and Wild (I can't help it, I'm a fan). I moved to Bemidji to attend Bemidji State University and get a degree in Mass Communications (I know, who goes to a 4-year school to get into radio, right?). If you’ve ever been to any of our events, you’ve probably seen me with a camera in my hand or hanging from my neck. I’ve inherited the title of unofficial station photographer for all of the stations in our building. I also enjoy heading out and shooting outside of work too. I really love sharing my mornings with all of our awesome MIX 108 listeners! It’s really rewarding being able to inform everyone on what happened overnight and share some laughs along the way.
Winter Storm Watch Issued for Strong Storm Moving In at the Beginning of the Week
The National Weather Service has issued a winter storm watch for a strong storm that will impact the region from Sunday night to Wednesday morning. The watch itself goes into effect Sunday evening, and remains in effect until Tuesday night.
Charter Spectrum Customers May Not Be Able to Watch Packers Game on Sunday Night
As the year draws to a close, so does a deal between NBC Universal and Charter, which could potentially block customers of the cable provider from seeing the Sunday Night Football matchup between the Green Bay Packers and Detroit Lions.
What Are the Most Common Last Names in Wisconsin?
With all the Petersons, Andersons, and Johnsons around the Badger State, what last names are the most common in Wisconsin? How common are those last names compared to the overall population of the state?
What Are the Most Common Last Names in Minnesota?
With all the Andersons and Olsons and Johnsons around the Land of 10,000 Lakes, what last names are the most common in Minnesota? Also, just how common are those last names?
Best of B105 – Your Favorite Stories of 2016 on KKCB.com
As 2016 draws to a close, we decided to look back at the year to see what you were reading, watching, and sharing the most when it comes local stories on our website. Here are the top 10 most visited, liked, and shared local stories from B105...
Duluth Native C.J. Ham Signed to Active Roster for Vikings Before Packers Game
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Update on Strong Winter Storm Targeting the Northland on Christmas Day
If you have plans of traveling on Christmas Day in Northern Minnesota or Northern Wisconsin, forecasts are continuing to point to a messy winter storm that will make travel difficult, or even dangerous.
7 Northland Winter Wonders You Need to Experience
We are truly lucky to have such an abundance of beauty in the Duluth/Superior area and along the North and South Shores. Winter puts a whole different twist on it all, making for unforgettable scenery.
Don Ness Takes on a New Job as Executive Director of the Ordean Foundation
Don Ness has been busy since the end of his last term as Duluth Mayor. His latest endeavor has him taking on a role with the Ordean Foundation.
Minnesotans Are Among the Best Drivers in the Country – Wisconsin, Not So Much
Minnesota and Wisconsin rival each other in many things, but when it comes to who the better drivers are, it's no contest. The latest statistical data from the National Highway Traffic Safety Administration (2015 data) shows that the Gopher State leads the country, while the Badger State falls …
November 2016 in Top 5 Warmest on Record for Duluth and Northern Minnesota
Sure, a pretty powerful snowstorm blasted much of Northern Minnesota this month, but the rest November has been pretty warm. Heck, much of that snow we got has even melted by now from a warm up and rain. Aside from the time right around our snowstorm before Thanksgiving, the early and late part…
Duluth East Greyhounds Named Best Class AA Hockey Program Over Last 23 Years
The Duluth East Greyhounds have been a mainstay in the list of notable names in AA Boys Hockey over the years, and that reputation was just reaffirmed by Let's Play Hockey.


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Red and white chikankari embroidered handloom sheer straight kurta, has a round neck, three-quarter sleeves, straight hem, side slits. This beautiful kurta from Saadgi will help you maintain an elegant look all year long. Sport this red piece with studded flats and minimal jewellery for a simple yet stunning evening ensemble.
100% Authentic Handloom
Handwork Chikankari Embroidery
Calf Length kurta: with Embroidery Work
Fabric: 60% Georgette and 40% polyester
Sleeve Type: 3/4 Sleeve
Product Care: Hand Wash


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Memoirs of a geisha, arthur golden memoirs of a geisha is a historical novel by american author arthur golden, published in 1997 the novel, told in first person perspective, tells the story of a fictional geisha working in kyoto, japan, before and after world war ii. Arthur golden's brilliant debut novel, memoirs of a geisha, is a reminder of just how silly the exhortation 'write what you know' can be clearly golden, a 40-something american male, has never lived anything remotely similar to the experiences of a geisha coming of age in the '30s, the glory days of kyoto's gion pleasure district. Review a startling debut by turns fairy tale, romance, coming of age and historical first novel, by arthur golden - memoirs of a geisha (film tie-in ed) 44 out of 5 stars 1,029 paperback 7 offers from cdn$ 269 the diary of a young girl anne frank.
Memoirs of a geisha is an 2005 american epic drama film based on the novel of the same name by arthur golden, produced by steven spielberg's amblin entertainment and spyglass entertainment and by douglas wick's red wagon productions. Memoirs of a geisha by arthur golden 434 pages alfred a knopf $25 ''write what you know'': in ''memoirs of a geisha,'' the first-time novelist arthur golden not only defies that old piece of. Memoirs of a geisha a novel by arthur golden the #1 international best seller $350 + shipping memoirs of a geisha: a novel by golden, arthur reviews astonishing breathtaking you are seduced completely golden's memoirs of a geisha is a rather exciting novel the characters are well developed and the storyline is. Arthur golden's brilliant debut novel, memoirs of a geisha, is a reminder of just how silly the exhortation write what you know can be can be clearly golden, a 40-something american male, has never lived anything remotely similar to the experiences of a geisha coming of age in the 1930s, the glory days of kyoto's gion pleasure district.
By arthur golden - memoirs of a geisha (film tie-in ed) paperback – nov 16 2005 44 out of 5 stars 1,029 customer reviews see all 6 formats and editions hide other formats and editions. Average customer review: 46 out of 5 stars 2,811 customer reviews amazon best sellers rank: #14,325 in books (see top 100 in books) memoirs of a geisha: a novel by arthur golden (1999-01-10) 50 out of 5 stars 2 46 offers from $167. Arthur golden: geisha because when i was living in japan, i met a fellow whose mother was a geisha, and i thought that was kind of fascinating and ended up reading about the subject just about the. Arthur golden's novel memoirs of a geisha deserved a better fate this immensely satisfying book got a tepid adaptation by robin swicord and doug wright, and it begs for a better screen play than what was chosen to be shown on the screen.
Memoirs of a geisha by arthur golden synopsis: in this literary tour de force, novelist arthur golden enters a remote and shimmeringly exotic world for the protagonist of this peerlessly observant first novel is sayuri, one of japan's most celebrated geisha, a woman who is both performer and courtesan, slave and goddess. The questions, discussion topics, and suggested reading list that follow are intended to enhance your group's experience of reading arthur golden's memoirs of a geishawe hope that they will give you a number of interesting ideas and angles from which to approach this enthralling debut novel, which is the fictional true confessions of one of japan's most celebrated geisha. Memoirs of a geisha is a haunting, fictional account of the life of chiyo a young provincial fisherman's daughter with haunting blue-grey eyes, chiyo is sold to the nitta okiya (an okiya is a house where geishas live) in the gion district of kyoto to be used as a servant and possibly trained to become a geisha. Arthur golden is an american he is a man he lives in brookline, massachusetts sayuri is japanese she is a woman she lives in the gion district of kyoto, japan magically, though, in golden's first novel, memoirs of a geisha, he actually becomes the first-person voice of sayuri, and in the.
Memoirs of a geisha arthur golden chapter one suppose that you and i were sitting in a quiet room overlooking a gar-1 den, chatting and sipping at our cups of green tea while we talked j about something that had happened a long while ago, and i said to you. Memoirs of a geisha evokes all the delicate steel of kyoto's geisha culture with such uncanny fidelity that, after you've finished, you feel as if you've entered not just another world, but an extraordinary and foreign heart. Memoirs of a geisha by arthur golden chapter one suppose that you and i were sitting in a quiet room overlooking a garden, chatting and sipping at our cups of green tea while we talked about something that had happened a long while ago, and i said to you, “that afternoon when i met so-and-so was the very best afternoon of my life, and. Review: memoirs of a geisha by arthur golden as most of you probably know by now, i’m a voracious reader and a total book addict which is why i’ve decided to make a special section on my blog to post reviews of my favorite books.
Memoirs of geisha revolves around the life of a geisha name sayuri in the early 1900s during the height of geisha culture sayuri was sold at nine years old to a geisha house, called an okiya, to be trained. Cherry blossomdelicate, with images as carefully sculpted as bonsai, this tale of the life of a renowned geisha, one of the last flowers of a kind all but eliminated by ww ii, marks an auspicious, unusual debut.
Memoirs of a geisha has always been among my favourite novels it's a sweeping, romantic epic with richly drawn, believable characters and a hugely satisyfying narrative arc it's a novel which, once read, will stay with you forever - so vivid is the writing and characterisation. In memoirs of a geisha, arthur golden has done a very daring thing: he, an american man, has written in the voice of a japanese woman how successfully does he disguise his own voice while reading the novel, did you feel that you were hearing the genuine voice of a woman. The resident geisha at her okiya is a jealous and arrogant woman named hatsumomo, who sabotages chiyo's progress towards becoming a geisha herself, leaving chiyo in the unenviable position of being a maid for the rest of her life.

domain: literature


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The Boston Red Sox recently announced the schedule for their second annual Red Sox Baseball Summer Camps that will begin in late June. One of those weeks, from July 16-20, the Red Sox Camp will be held at Winchester High School.
Freight trains have begun stopping at Tighe Trucking in Winchester, making deliveries.
According to Winchester resident Susan Busher, the first freight train rolled into town last week. She said that the cars idled next to Tighe Trucking for about an hour before residents spoke with the conductor who said they were there to pick up a box car.
Thomas Mortimer, IV, has told the court that he deserves a publicly paid for defense attorney, but the state wants him to pay with his children's college fund account, according to the Boston Herald.
The residents at Brookside Avenue and Forest Street can expect to have a slightly different traffic pattern this spring.
On Monday night as residents from the area filled the Board of Selectmen meeting room, the Selectmen unanimously voted to approve the installation of a “Do Not Enter” sign on the corner of Brookside Avenue and Forest Street. The sign, according to Town Engineer Beth Rudolph, will prevent cars from turning onto Forest Street from Cross Street and continuing to drive straight across to Brookside Avenue.
Winchester resident, Sherman “Whip” Saltmarsh, played in the first Beanpot.
It’s too early to say for certain, but Winchester residents may soon see an increase in their water and sewer bills.


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Updated: 12/10/2016 12:24 AM KSTP.com
(AP) WASHINGTON - WASHINGTON (AP) â€” Guest lineups for the Sunday TV news shows:
ABC's "This Week" â€” Reince Priebus, Republican National Committee chairman and chief of staff to President-elect Donald Trump; Sens. Rand Paul, R-Ky., and Claire McCaskill, D-Mo.
NBC's "Meet the Press" â€” Priebus; Gov. Jerry Brown, D-Calif.
CBS' "Face the Nation" â€” Kellyanne Conway, Trump adviser; Sens. John McCain, R-Ariz., Bernie Sanders, I-Vt., and Tim Scott, R-S.C.
CNN's "State of the Union" â€” Vice President Joe Biden; Rep. Marsha Blackburn, R-Tenn.
"Fox News Sunday" â€” Trump.
(Copyright 2016 by The Associated Press. All Rights Reserved.)