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NEW YORK Thousands of small companies suffered enormous financial and emotional loss in last week's terrorist bombing of the World Trade Center.
Every day, Banchet Bianca Jaigla's drivers delivered flowers to her biggest client, Windows on the World, the world famous restaurant at the top of the World Trade Center. Traffic congestion in lower Manhattan on Tuesday morning prevented the last scheduled delivery before the devastating attack.
On Friday, her new, 350 square-foot flower cooler was filled with the berry branches, green hydrangea, Casablanca lilies and orchids that were ready to be delivered to Windows on the World the morning that two jumbo jets hijacked by terrorists crashed into the towering center.
Despite the numbing shock, sadness and the loss of a major client, life and business went on last week for Jaigla and her staff of six full-time employees and five part-time workers. While thousands of rescue and construction workers labored at what is now called "ground zero," her two trucks continued to deliver flowers to clients around the city. Fighting back tears, she kept her floral assistants busy preparing flowers for a bar mitzvah in Manhattan and a wedding in Greenwich, Conn.
"The minute I stop (working), I'm in mourning," said Jaigla. "I get sick to my stomach I think, I worry. When I'm busy with my work, I don't think about it so much."
Though she was cheered by the news that the owner and general manager of Windows on the World survived the destruction, and that many restaurant workers also made it safely out of the building, Jaigla said she is consumed by sorrow for those whose lives were lost in the collapse.Keeping busy is key
Like other small-business owners throughout New York, Jaigla was doing everything she could to cheer up her employees "and keep them busy."
Although many flower orders were canceled in the wake of the tragedy last week, Jaigla said keeping busy kept them sane.
"If we didn't have (the events) this weekend, I don't know what we'd do."
Jaigla said supplying the daily flower order and flowers for special events at the now-demolished restaurant made up about a third of her business. She's grateful for her other well-known clients, including the Lutece and Le Bernadin restaurants, as well as a number of corporate clients. Jaigla, who has been in business for 18 years, said she still plans to open a new store on Washington Street in the meat-packing district on Oct. 24. She chose the location because it was only 10 minutes away from the World Trade Center and her biggest client.
"I can laugh and cry about all this," said Jaigla. "But all I can do is take it one day at a time. We are all going to suffer. Hopefully, I can find more business and move forward."
Amy Kopelan, CEO and owner of Bedlam Entertainment in Manhattan, was also severely affected by the horrible tragedy. On Tuesday morning, she was dealing with the last-minute details for a high-profile event she produces called "The Corporate State."
The event is a prestigious summit for women CEOs and senior managers. One hundred twenty-five participants, speakers and corporate sponsors from all around the United States were due to begin the conference with a private reception at the Four Seasons hotel the evening after the attacks.
As soon as she heard the news of the terrorist attacks in downtown New York and Washington, Kopelan began making phone calls to reschedule the event. In six hours, assisted by conference calls set up by a colleague in Arizona, she had rebooked the entire event, including the hotel, flower vendors, photographers, keynote speakers and all of the executives planning to attend.
"I managed to get through to all 125 people," said Kopelan, a former television producer who is used to working under extreme pressure. "They all said they'd be here in January."
Kopelan said everyone she contacted that life-changing morning was "overwhelmingly supportive."
For Kopelan, maintaining forward momentum by immediately rescheduling the event was her way to cope with disaster and uncertainty.
"My feeling is that life marches on," said Kopelan. "Life has to go on."
Businesses across the country are still reeling from the calamitous and tragic events of last week. But talking about the tragic events and sharing feelings are important to the healing process. Business owners and employees need to do everything possible to keep morale high, according to Roger Herman, a certified management consultant and founder of The Herman Group in Greensboro, N.C.He offers these suggestions for effective leadership in the stressful weeks ahead:
- Schedule a staff meeting to discuss the impact of the events and the need to unite and endure.
- Offer employees time off with pay to volunteer.
- Make arrangements to support the families of any employees who are called to duty in the National Guard or military reserves.
- Offer your employees the opportunity to join you in making a donation to a charity.
- Make your donation in the company's name and allow your employees to help you decide the amount and the recipient of the funds.
- Give employees opportunities to express their feelings at work.
- As soon as possible, try to return to normalcy or something close to it.
Jane Applegate is the author of "201 Great Ideas for Your Small Business," and is CEO of SBTV.com, a multimedia site providing small-business resources. She can be contacted via e-mail at firstname.lastname@example.org, or by mail at P.O. Box 768, Pelham, NY 10803.
For reprint and licensing requests for this article, CLICK HERE.
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domain: news


Nestled in Arizona’s central highlands, Prescott is a city with a rich historical heritage and diverse culture. The influence of Prescott’s climate on local lifestyle and culture is palpable, forming a connection that echoes throughout the community.
From culinary traditions to artistic expressions, the mild winters and warm summers shape the daily lives of those who call Prescott home. This article delves into the various facets of how the local climate interweaves with the lifestyle, culture, history, and economy of this desert oasis.
Prescott: An Overview of the City
Prescott, known as “Everybody’s Hometown,” is a charming place located in Yavapai County, Arizona. The town’s mild four-season climate attracts many, from tourists to retirees. The landscape features scenic lakes, lush pine forests, and striking granite mountains, offering a blend of natural beauty and urban conveniences.
In addition to its geographical attributes, Prescott’s history is a tapestry of Native American culture, gold rush era, and modern development. This rich background creates a vibrant community that celebrates both its heritage and contemporary lifestyle.
Prescott’s climate is classified as a Mediterranean climate, characterized by mild winters and warm, dry summers. The average temperature ranges from the low 50s in the winter to the high 80s in the summer, with occasional snowfall in the colder months.
The pleasant climate makes outdoor activities accessible year-round and has an enduring impact on various aspects of life, from agriculture to recreation. It not only defines the natural landscape but also plays a vital role in shaping the community’s social and cultural fabric.
Connecting Climate, Culture, and Lifestyle
The city’s weather patterns have forged a unique lifestyle. Residents often find themselves enjoying outdoor activities, participating in community events, or indulging in local cuisine that reflects the climate’s influence.
The blend of Native American history and modern culture has also flourished under the desert sun. Artistic expressions, architectural styles, and even clothing trends have evolved in harmony with climatic conditions. The spirit of Prescott is embodied in its response to the environment, creating a cohesive cultural tapestry.
Historical Influence of Climate on Prescott
The historical influence of Prescott’s climate on the city traces back to its founding and has been instrumental in shaping its evolution. The mild weather attracted early settlers, facilitating agricultural development and mining activities that laid the economic foundation of the area.
The climate also played a role in health, with the pleasant conditions becoming renowned for their therapeutic qualities, drawing people seeking wellness. The history of outdoor recreation and the growth of cultural festivals and events are similarly intertwined with weather patterns.
Historical sites, such as the Sharlot Hall Museum, preserve and narrate this climate-infused history, offering glimpses into how the weather has woven into the fabric of Prescott’s identity. The climate’s historical impact continues to resonate, underlining a legacy that defines Prescott’s character, growth, and communal spirit, shaping a story that’s uniquely Prescott’s.
Native American Influence
The indigenous peoples, such as the Yavapai and the Apache, were the first to recognize the value of Prescott’s climate. They developed agricultural practices and lifestyles that were attuned to the local weather patterns.
These tribes crafted dwellings and tools suitable for the region, incorporating materials and designs that reflected climatic needs. Their profound connection to the land continues to inspire modern architectural practices in Prescott.
Early Settlers and Climate Adaptation
Early settlers were drawn to Prescott’s mild climate, seeing opportunities for agriculture and mining. The pleasant weather allowed for year-round farming, while the discovery of gold and other minerals fueled economic growth.
Buildings from the Victorian era, such as the iconic Hotel St. Michael, showcase how architecture adapted to the climate. Thick walls, shaded verandas, and high ceilings were common features, ensuring comfort during the warm summer months.
Impact on Architecture and Urban Planning
The climate has shaped Prescott’s architectural landscape in a way that merges both form and function. Historic Courthouse Plaza, with its lush gardens, is a testament to the city’s commitment to preserving its heritage while adapting to the environment.
Modern buildings also incorporate eco-friendly designs and energy-efficient practices, reflecting a consciousness of sustainability. Prescott’s urban planning, with its green spaces and pedestrian-friendly zones, illustrates a city in harmony with its climatic character.
Influence on Local Cuisine
Prescott’s climate has a flavorful impact on its local cuisine, shaping a gastronomic culture rich in seasonal and locally-sourced ingredients. The region’s weather patterns support a variety of agricultural products, from fresh produce to artisanal cheeses, influencing both traditional dishes and contemporary culinary creations.
Farmers’ markets and farm-to-table restaurants celebrate this connection, offering menus that change with the seasons and reflect the climate’s bounty. The blend of cultural influences, aided by the climate’s diversity, leads to a fusion of flavors and techniques that set Prescott’s culinary scene apart.
Food in Prescott is not just nourishment; it’s an edible manifestation of the climate, a shared experience that connects diners to the land and weather. The influence of climate on cuisine thus adds to the tapestry of Prescott’s lifestyle, weaving taste and terrain into a delightful culinary journey.
Agriculture and Food Production
The Mediterranean climate supports a wide range of agricultural products. Locally sourced ingredients like corn, beans, and squash have been staples in the region’s diet for centuries.
Farmers’ markets and farm-to-table restaurants emphasize the importance of local produce, celebrating the seasonality and flavor of the region. Places like Prescott Farmers Market are hubs for fresh, locally grown food that reflect the climate’s bounty.
Traditional Dishes and Cooking Techniques
Prescott’s culinary heritage includes dishes influenced by Native American and Mexican cuisine. Traditional foods such as pozole and tamales have been shaped by the availability of ingredients grown in the local climate.
Cooking techniques like roasting and grilling have also evolved to suit the weather conditions, making outdoor cooking a beloved tradition. These practices not only flavor the food but also reflect a culinary culture that resonates with the environment.
Modern Culinary Innovations
Modern chefs in Prescott are embracing the climate’s influence by creating innovative dishes that showcase local ingredients. Fusion cuisines, pop-up eateries, and gourmet experiences are redefining the culinary landscape.
Trendy restaurants like The Raven Café offer menus that change with the seasons, highlighting the connection between climate and cuisine. Such culinary creativity fosters a gastronomic culture that’s deeply rooted in Prescott’s climate and community spirit.
Impact on Fashion and Clothing
Prescott’s climate, with its distinct seasons and moderate temperatures, greatly influences the fashion and clothing choices of its residents. The city’s fashion scene reflects a harmonious blend of comfort, functionality, and style.
Summers bring out light, breathable fabrics, while winters see the adornment of layers and cozy materials. Local designers and boutiques often draw inspiration from the natural surroundings, weaving in colors, textures, and patterns that resonate with the Prescott environment.
Seasonal shifts also spark creativity in wardrobe transitions, encouraging a mindful and versatile approach to clothing. In Prescott, fashion is not just about appearance; it’s a dynamic expression of the city’s climate and culture. The way people dress becomes a tangible connection to the climate, enhancing daily life and adding a unique flair to the community’s identity.
Traditional clothing in Prescott has been influenced by both the indigenous peoples and the Spanish settlers. These garments were designed to provide comfort and protection from the elements.
Wool, leather, and natural fibers were commonly used, reflecting the necessity to adapt to the varied temperatures throughout the year. Today, these materials and designs continue to inspire local fashion, paying homage to the city’s climatic heritage.
Seasonal Wardrobe Choices
The four distinct seasons in Prescott necessitate a versatile wardrobe. Warm, breathable fabrics in summer and cozy, layered clothing in winter exemplify how the climate dictates fashion choices.
Retailers and designers in Prescott offer collections that not only cater to seasonal changes but also reflect the unique style of the city. The connection between climate and clothing is seen in every aspect, from daily wear to special occasion attire.
Emerging Fashion Trends Influenced by Climate
In recent years, sustainable fashion has become a significant trend in Prescott. Eco-friendly materials and production methods resonate with the city’s emphasis on environmental consciousness.
Local designers are creating fashion that is not only stylish but also climate-sensitive, like High Society Eco-Fashion. This progressive approach reinforces Prescott’s reputation as a city where climate influences not only the aesthetics but also the ethics of fashion.
Outdoor Activities and Recreation
Prescott’s mild four-season climate serves as a playground for a diverse array of outdoor activities and recreational pursuits. From hiking trails in the spring to skiing down snowy slopes in the winter, the weather allows for year-round enjoyment of nature.
Lakes like Watson and Goldwater offer fishing, kayaking, and picnicking, while the vast network of trails beckons mountain bikers and hikers. The city’s climate also fosters community events like outdoor concerts, festivals, and markets, making social recreation a fundamental part of Prescott’s lifestyle.
The variety and accessibility of these outdoor experiences, shaped by the city’s climate, contribute to a vibrant recreational culture. Prescott’s climate thus does more than just influence outdoor activities; it actively invites and inspires residents and visitors alike to embrace the joys of nature and communal celebration.
Whether it’s hiking in the summer or skiing in the winter, the climate offers something for every season. Trails like the Peavine Trail provide breathtaking views and are accessible most of the year.
Water sports on Watson Lake and rock climbing on Granite Dells are other popular activities, reflecting how the natural landscape and climate coalesce to create a haven for outdoor adventurers.
Community Events and Festivals
Prescott’s climate fosters a vibrant community life, with outdoor festivals and events celebrated throughout the year. The Prescott Frontier Days is an iconic rodeo festival that pays tribute to the town’s Western heritage.
The mild weather also allows for art festivals, farmers’ markets, and outdoor concerts, promoting social engagement and cultural enrichment. These events reflect the community’s spirit and appreciation for the climate that makes such gatherings possible.
Influence on Sporting Activities
The diverse climatic conditions in Prescott enable various sporting activities. From golfing in the sunny weather to ice-skating in the winter, there’s something for every sports enthusiast.
Local sporting clubs and organizations provide opportunities for both professional and recreational athletes. The city’s climate, coupled with well-maintained facilities, has made Prescott a sought-after destination for sporting events and tournaments.
Health and Lifestyle in Prescott
Prescott’s unique climate significantly influences the health and lifestyle of its residents, promoting a quality of life that’s often regarded as enviable. The pleasant weather invites outdoor activities, encouraging physical fitness, and recreational pursuits like hiking, biking, and golfing.
This active lifestyle supports overall wellness and fosters a community that values health and well-being. Additionally, the climate’s mild conditions contribute to an absence of extreme weather-related health concerns.
The interplay between climate, health, and lifestyle in Prescott creates a holistic living experience where residents engage with their natural surroundings to cultivate well-being. This blend of climate-conscious living with an emphasis on health underscores a community that thrives in its environment, epitomizing a balance that many aspire to achieve.
Climate’s Influence on Health and Wellness
The mild climate in Prescott promotes outdoor living, encouraging people to engage in activities that support physical and mental well-being. The fresh air and ample sunshine are considered beneficial for health.
Organizations like Prescott Outdoors offer guided tours and outdoor experiences, enhancing wellness through nature connection. The climate’s positive impact on health is an integral part of the city’s lifestyle.
Outdoor Exercise Culture
Hiking, biking, and jogging are popular outdoor exercises in Prescott, thanks to the favorable weather. Trails like the Thumb Butte Loop are frequented by fitness enthusiasts year-round.
Yoga sessions in parks and open-air fitness classes showcase how the community embraces the climate to create a culture of outdoor wellness. This affinity for exercising outdoors exemplifies the synergy between Prescott’s climate and healthy living.
Health Precautions and Practices
Despite the generally mild climate, Prescott residents are mindful of weather-related health precautions. Sun protection, hydration, and awareness of weather conditions are essential aspects of daily life.
Community programs and local health authorities provide guidance and support, ensuring that residents can enjoy the climate safely. The emphasis on health precautions underscores the city’s commitment to well-being in every season.
The climate of Prescott plays a vital role in shaping the local economy, laying the foundation for key industries and economic pursuits. The mild, four-season climate attracts tourists, boosts outdoor recreational activities, and nurtures a thriving agricultural sector.
These climate-dependent sectors form a significant part of Prescott’s economic landscape. Initiatives like the Prescott Farmers Market and the growth of eco-tourism reflect how climate has become a driver of innovation and entrepreneurship in the region.
Simultaneously, it necessitates a thoughtful approach to business practices, balancing economic growth with environmental sustainability. The synergy between the climate and economy in Prescott is a testament to a community that recognizes its natural assets and leverages them for prosperity, creating a resilient and dynamic economic environment that continues to flourish.
Prescott’s attractive climate draws tourists throughout the year. From exploring historical landmarks to enjoying outdoor activities, the city offers a plethora of experiences.
Tourism agencies, like Prescott Tourism, highlight the climate’s role in creating an appealing destination. The revenue generated from tourism supports local businesses and contributes to the city’s economic vitality.
Business Opportunities Influenced by Climate
Climate-responsive industries such as agriculture, outdoor recreation, and renewable energy have thrived in Prescott. Entrepreneurs and businesses leverage the climate to create unique products and services.
Local initiatives like Prescott Business Accelerator support startups that align with the city’s climatic attributes. The synergy between climate and business innovation drives economic growth and diversification in the region.
While the climate offers many opportunities, it also poses challenges. Droughts, wildfires, and extreme weather events can impact the local economy.
Strategic planning and resilience measures are integral to mitigating these challenges. Collaborative efforts between government, businesses, and community organizations ensure that Prescott remains adaptable and responsive to climatic uncertainties.
Art and Cultural Expressions
Prescott’s climate has long been a muse for artists, musicians, writers, and cultural enthusiasts, deeply influencing the local art and culture scene. The vibrant hues of changing seasons, the tranquil landscapes, and the rhythmic patterns of weather have inspired myriad artistic expressions.
From visual arts depicting natural beauty to music resonating with the sounds of nature, the climate’s influence is palpable. Festivals, galleries, and community events celebrate this intertwining of climate and creativity, fostering a cultural environment that both reflects and reveres the distinctive weather patterns of Prescott.
The climate’s artistic footprint fosters a community that not only lives within its environmental conditions but thrives creatively through them, weaving a rich cultural tapestry that embodies the soul of Prescott.
Influence on Local Art Forms
Local artists derive inspiration from the natural landscape and climate, creating works that capture the essence of Prescott. Art galleries and outdoor murals celebrate this connection, offering insights into the artistic soul of the city.
Art festivals like Prescott’s 4th Friday Art Walk showcase the talent and creativity nourished by the climate. The marriage between art and environment enhances the cultural richness of Prescott.
Musical Traditions and Outdoor Concerts
Music in Prescott reflects the cultural diversity and climatic influence of the region. Traditional folk music, jazz, and contemporary genres find a place in the city’s musical tapestry.
Outdoor concerts and music festivals are common, with venues like the Prescott Valley Amphitheater providing idyllic settings. The climate’s influence on musical expression and enjoyment adds rhythm and melody to the city’s cultural heartbeat.
Literary and Folklore Inspiration
Prescott’s climate has also inspired writers and storytellers. The landscapes, weather patterns, and cultural heritage have found their way into novels, poetry, and folklore
Local libraries and literary events provide platforms for authors to share their climate-inspired works. This literary connection enhances the understanding of how climate shapes not only physical surroundings but also the imaginative landscape of Prescott.
Prescott’s climate is inextricably linked with its environment, shaping and being shaped by its natural surroundings. The relationship encompasses climate-induced environmental changes, sustainability and conservation efforts, and the impact on local flora and fauna.
Concerns over water scarcity, soil erosion, and shifts in wildlife behavior require constant vigilance, while community participation in recycling, water conservation, and green building practices reflects a dedication to responsible living.
Organizations such as the Prescott Creeks Preservation Association and Highlands Center for Natural History work diligently to ensure ecological balance and protection. Prescott’s community embodies a climate consciousness that goes beyond mere appreciation, actively participating in practices that preserve and celebrate the city’s rich ecological heritage.
Climate-Induced Environmental Changes
Changes in weather patterns and climatic conditions can affect the local ecosystem. Water scarcity, soil erosion, and shifts in wildlife behavior are concerns that need constant monitoring and intervention.
Organizations like the Prescott Creeks Preservation Association work towards conservation and restoration. These efforts highlight the city’s commitment to understanding and mitigating the climate’s impact on the environment.
Sustainability and Conservation Efforts
Prescott’s community actively participates in sustainability and conservation initiatives. Recycling programs, water conservation, and green building practices are integral to the city’s ethos.
Local policies and community engagement foster an environment where climate consciousness is part of daily life. The synergy between climate awareness and sustainability practices underscores Prescott’s dedication to responsible living.
Impact on Local Flora and Fauna
The city’s flora and fauna are deeply influenced by the climate, with unique species of plants and animals that have adapted to the local conditions.
Preservation of natural habitats, like the Highlands Center for Natural History, ensures the protection and appreciation of these ecological treasures. The connection between climate and biodiversity enhances the understanding of Prescott’s rich ecological heritage.
Future Projections and Concerns
The influence of Prescott’s climate on local lifestyle and culture extends into the future, with various projections and concerns that demand attention. Climate change impacts, development and urbanization, and education and community engagement are central areas of focus.
Efforts are underway to assess, mitigate, and adapt to potential climatic shifts. Strategic planning, sustainable development, and community education are vital to ensure that Prescott’s unique climatic identity is preserved.
Collaborations with local organizations and a commitment to green principles reflect the city’s proactive approach to facing future challenges head-on. The shared vision of residents, authorities, and organizations ensures that Prescott’s climate continues to be a cherished aspect of life in the city, even as it evolves and grows.
Climate Change Impacts
Climate change poses real threats to Prescott’s weather patterns, potentially altering the city’s way of life. From changing precipitation patterns to increased temperatures, these shifts require attention and proactive planning.
Local authorities and environmental organizations are working on assessments and strategies, such as those detailed by the Prescott Climate Action Plan, to mitigate and adapt to these changes.
Development and Urbanization
As Prescott grows, considerations around urbanization and development must align with preserving the climate that defines the city. Smart growth principles, green infrastructure, and community input are essential to maintaining this balance.
Partnerships with organizations like the Prescott Green Building Program help ensure that development considers environmental sustainability.
Education and Community Engagement
Future projections also highlight the need for continuous education and community engagement. From schools to community centers, efforts to educate residents about climate influence and how to foster a sustainable lifestyle will remain vital.
Programs like those offered by the Prescott Environmental Education Center foster a community that is informed and passionate about preserving its climatic identity.
In this section, we will be delving into some of the most common inquiries and curiosities that surround our topic.
What is Prescott’s climate like?
Prescott experiences a mild four-season climate with warm summers and relatively mild winters. Learn more at the National Weather Service’s Prescott page.
How does the climate influence local cuisine?
The climate supports diverse agricultural products, influencing a rich culinary tradition. From farm-to-table eateries to local farmer’s markets, Prescott’s climate shapes its gastronomic delights.
What are the primary environmental concerns in Prescott?
Climate-induced changes such as drought, water scarcity, and the preservation of local flora and fauna are major environmental considerations. Organizations like Prescott Creeks Preservation Association work to address these concerns.
What outdoor activities can I enjoy in Prescott?
Depending on the season, activities range from hiking, biking, and fishing to skiing and ice skating. Prescott’s climate offers something for every outdoor enthusiast.
How does Prescott’s climate affect the local economy?
The climate directly impacts industries such as tourism, agriculture, and outdoor recreation. It helps foster business opportunities and defines the economic landscape of Prescott.
The influence of Prescott’s climate on local lifestyle and culture is a multifaceted relationship that permeates nearly every aspect of life in this vibrant city. From shaping community interactions, health practices, and economic opportunities to inspiring art, music, and literature, the climate is more than just weather; it’s a defining characteristic of Prescott.
The city’s dedication to understanding, celebrating, and preserving its climatic uniqueness resonates in its community values, policies, and daily practices. Continued focus on sustainability, education, and innovation will ensure that Prescott remains a place where the climate continues to enrich lives.
With careful planning and a community-driven approach, the future of Prescott seems bright and promising, under the canopy of its beautiful and nurturing climate. Here’s to celebrating and preserving the charm that makes Prescott, Prescott.


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Yep...it's stash blanket time again! I've supplemented the by now, rather folorn-looking stash basket with a few balls of acrylic yarn.
Stylecraft acrylic has some gorgeous jewel colours that I love (teal, violet and bright pink...hmmmm!)! I know, not everyone's a fan of the old synthetics but when you have a dribbly puppy and one heck of a messy (read: lazy) owner, it's quite good to have something super-washable. My favourite ripple blanket I made a while back was full of lovely cashwoolmerinoalpacamohair type content, but it's felted a teeny bit because I stuck it in the washing machine. (gasp!) Life's too short to stuff a mushroom and all that...at least it has, um, an 'interesting' chunky texture to it now...!
The blanket I'm working on now is a monster of a granny square. It started off okay, and I was enjoying it. Until about round 16 when I realised that each round was only going to get longer...and longer...! It's the trade-off for not having to sew squares together, though. I'll probably end up doing rows-within-rounds, changing colour every so often to stop me going spare! It's not grown a huge amount, despite 16+ rounds... It's the perfect Trixie size though:
And here she is proving that acrylic yarn is FUN!!11!!1! and rather delicious, too:
Maybe the lack of enthusiasm for the Biggest Granny Square in the World will spur me onto finishing the second Monkey sock...you never know!

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Environmental science is interested in the research and also evaluation of the environment. It also includes studies of exactly how individuals interact with the atmosphere. It also relates to the clinical study of the results of environmental change. There are many different sorts of environmental science. A few of the more famous ones are worldwide adjustment, biogeochemistry, environmental systems, freshwater systems, marine science, and all-natural systems.
Global change refers to the gradual modifications in the Earth’s environment brought on by human activity. This can be brought on by all-natural sensation such as El Nino, volcanic eruptions, and also solar flares. It can likewise be the result of financial activity, such as the growth of China and various other arising countries. Regardless, global change is worrying the atmosphere considering that it influences individuals living in it and the method they live.
A biogeochemical term explains a type of environment that exists within living points. For instance, in the earth’s oceans, chemical reactions produce nitrate and also nitrite which form nitrate salts. This process occurs in a shut atmosphere, without exchange of oxygen as well as with reduced surface stress. Ocean acidification due to human task has created an acid atmosphere in lots of parts of the ocean.
An eco-system is a natural surroundings in which everything exists in its natural state. It is usually the sum of all existing ecosystems, with living things such as plants, animals, as well as humans adding to it somehow. An eco-system can not be defined, yet rather viewed. It can exist in a state of equilibrium where all components remain in a state of co-ordination; or else it would be described as being a setting in which some exterior forces disrupt the natural stability. The planet’s biosphere features as though the power called for to preserve it can be completely provided by the sun, leaving absolutely nothing left over for the planet to produce warm or to absorb heat from the environment. This leaves human beings and all other types of life within the area of the natural environment.
In terms of a limited globe, words environment describes any globe or location in which all components are capable of being duplicated. For instance the world or atmosphere would certainly be an unlimited circle in which the sunlight, celebrities, and also the oceans are continuously producing life. It is likewise crucial to acknowledge that the planet and all the living things on it are finite. A limited atmosphere can just be referred to as a world or location in which all components can be created, destroyed, or altered at will by some outside pressure.
As an example, when you take a look at the sea you will certainly see that it is a nonliving object, it is constructed from dead organic products. Nevertheless, you can not claim that it is nonliving just since it is a living things – a creature is capable of expanding, altering, replicating, and more. In this example we are describing the ocean, which is a living world however not a living one because of this. For that reason the term setting can be made use of to define the various kinds of worlds out in the universe. The earth is an atmosphere, the ocean is a non-environment and the Sunlight is a setting but not a living one.
In nonfiction writing, the term atmosphere most of the times refers to a setting which is fictional. A setting which is totally comprised of non-living things as well as areas. A term setting likewise has an additional definition which is the set of physical variables which incorporate to create something genuine. This interpretation of the term environment consists of the sky, the ground, ambience, water, and also the world Earth. On a really fundamental degree, nonliving surfaces are thought about to be anything that does not have a living surface. This might consist of rock, metal, wood, plastic, ceramic, paper, material, fiber, textile, as well as a lot more.
This definition of atmosphere is necessary in specifying the different type of settings. The ocean for instance is both non-natural and living as well as it is a huge part of the globe since it consists of all the living things on Earth consisting of fish, whales, crabs, as well as extra. A sea without fish would not be an ocean without whales could not be a whales’ environment due to the fact that whales require the oxygen as well as other chemicals produced by plants as well as algae to survive. Therefore the sea and also the non-living world are one in the exact same and also the word atmosphere includes all these various kinds of living points.
Atmosphere describes a set of factors that influence the growth of a society, developing conditions that promote biodiversity and also flexible capability, both within the private microorganisms themselves as well as other organisms and also systems. The atmosphere affects the human population and also how that populace takes care of the atmosphere. In turn, the setting impacts the people that reside in it, both directly as well as indirectly.
The natural environment encompasses all living and also non creature existing normally, which means in this instance not man made. The word environment can also be used in relation to the Earth, the entire world or any details parts of the Planet. It covers the whole of the planet, including seas, landmasses, subsoil, ambience as well as biosphere. There are three significant categories of the atmosphere: human influenced, created environments as well as biodiversity. All these groups relate to human advancement and the method we take care of the setting.
Human affected is when we influence the physical surroundings via our activities. For instance, when individuals build a building or dam, or plant a tree, they are doing so to influence the means their surroundings look. Similarly when individuals quest animals or damage the natural world, they are doing so to affect the manner in which the animals act. A term environment after that enters play when human beings change the state of the natural world that surrounds them. Extra resources
Created environments on the other hand are man-made. These can be created for various reasons, yet the primary factor is to provide a particular function that has not existed previously, and to improve the area by changing the bordering natural surroundings. Man-made settings might as a result be regulated with climate adjustment. Climate adjustment is an organized modification in the environment arising from the human race’s activities. There is currently a large amount of concern about environment modification, and also the effects that it might carry the natural surroundings.

domain: geography


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Deutsche Brauerei was founded in 1737 and has been in the Schweitzer friends and family for doze generations. The business produces top quality beer and has gained awards over time and is held entirely by simply 16 future uncles, aunts and cousins. More than a decade ago, Deutsche Brauerei expanded in Ukraine. Regardless of the Russian financial debt crisis, the popularity of Deutsche’s beer improved its product sales greatly and within 3 years of launch, Ukrainian customers accounted for 28% of Deutsche’s sales. Furthermore, most of the product growth in sales during that time period was also led by Ukraine.
So that they can market the beer even more aggressively, Lukas hired Oleg Pinchuk, a marketing guy who have understood the Ukrainian markets and had earlier experience of advertising beer for any major Ukrainian beer developer. In the subsequent report, we aim to assess the past and prospective monetary performance from the company, dividend policy also to critique it is liberal credit rating and products on hand policies. An appropriate compensation system will also be advised. Adoption of any Compensation Scheme for Oleg Pinchuk
It is our perception that Oleg Pinchuk really does deserve an increase in his reimbursement package to supply incentive pertaining to him to remain and provide future results.
His techniques for setting up system in the Ukraine have been critical to the industry’s sales development. We are also concerned that some of his current policies may not be successful and are accepting too much risk as the economy shows signs of a downturn. Also, all of us highly recommend the design of the compensation bundle be changed as it presently creates a significant agency issue. In 1998, Deutsche Brauerei utilized Oleg Pinchuk as the Company’s Sales and Marketing Supervisor.
Previously Pinchuk has worked for a major ale producer in the Ukraine giving him very helpful insight into the industry and environment. The key goals having been placed with was to marketplace Deutsche Brauerei’s beer more aggressively whilst taking advantage of the top opportunities existing in Central and Asian Europe. “Our beer practically sells on its own; discount prices and heavy advertising happen to be unwarranted. The challenge is getting individuals to try it and achieving into a division pipeline. Pinchuk offered. Initially over 10 years ago, Ukraine got no beer distributors, presenting a large difficulty ” the corporation had simply no means of distributing the product among ustomers. Distributors in the Ukraine had not any capital and could not obtain financing coming from banks to setup their business because that were there no assets, low revenue, negative money flows and were seen as a high risk. These were also not able to bear the credit conditions that were at present implemented on the German vendors. This is where Pinchuk’s strategies have been essential for each of our expansion in the Ukraine. Pinchuk, on a tiny budget, managed to organise five distributors make up factory arrangements.
This individual relaxed the credit policy for the Ukraine vendors from 2% 10, net 40 to 2% 10, net eighty ” essentially financing their particular business and making it possible for those to set up and operate. Carrying a substantial part of the distributor’s inventory also had taken pressure and costs away from distributors although making it possible to respond rapidly to changes in demand. These tactics have increased customers inside the Ukraine from 0 to 211, with even more predicted in 2001. For Oleg’s strategies to be implemented, the business has needed large working capital investments.
Specifically in accounts receivable exactly where days in receivables is almost 90 days. We feel that Pinchuk’s analysis in the return on investment continues to be overstated as they hasn’t taken into consideration the investments in inventory and capital costs that would also be needed. Demonstrate 3 reveals our altered analysis in the return which the business is receiving after taking into consideration changes in inventories and capital expenditure. We all assumed that 85% of changes in products on hand and 90% in capital expenditure had been attributed to investment in the Ukraine. These assumptions are explained in the demonstrate.
Our benefits still produce a high come back of 42% in the year 2150 which is greater than the expense of financing long term debt in 6. five per cent. Notably, these investments happen to be risky as well as the company needs to compare the return to their particular risk tweaked cost of capital for the Ukraine rather than the cost of loans the debt to see if it is advantageous. Exhibit four gives a good analysis showing how these policies have influenced the company performance and situation. Although sales expansion has been regularly large, working profit margin has decreased overall as his tactics were integrated.
Return on equity and net property have elevated and in the season 2000 had been 10. 3% and 8. 4% correspondingly. This is a good result for the business and displays efficient supervision of assets. It seems that Pinchuk’s strategies were possibly damaging to the business by simply decreasing the money margin and taking on a lot of risk. It is the belief the credit policy should not be calm and could even be tightened to less than eighty days. However, reducing risk by tensing the policy would be accompanied by a decrease in sales.
Although Pinchuk’s strategies have been potentially harming, we carry out believe that he deserves a rise in his income for increasing the company irrespective of facing challenging conditions. His current payment package is actually a base wage of EUR40, 000 plus an incentive payment of zero. 5 % of revenue growth. The latest compensation bundle provides Pinchuk with an incentive to go after projects which have been risky to the company just like extending large credit to distributors whom are unable to repay it. This would maximize sales, as a result increasing his salary, nevertheless would have an adverse effect on the two profits plus the company.
His incentive repayment needs to be targeted more for collection and profits instead of sales growth. Our advice is to boost his foundation salary to EUR50, 500 and have his incentive repayment tied to annual profits (0. 6% of the annual increase in profits). However , inside our recommended economical plan for 2001, there is a expected net earnings of EUR 2, 712, 000. This is certainly a reduction in profits from the previous year and could imply that Pinchuk would receive no motivation payment to get 2001. With any luck , this would encourage him to improve the following year’s profits by simply revising his marketing and collection strategies.
Research of Dividend Declaration Customarily, DB matures 75% coming from earnings while dividends every year to investors. At the moment, the corporation has a money shortage since it is holding high levels of inventory and is incredibly relaxed in credit conditions for their Ukrainian distributors. Spending dividends in 75% would mean increasing debts in order for the company to fund their very own proposed expense in a new plant. This would add stress on the already huge short-term debt they have taken on. The possibility of monetary downturn in 2001 adds to the uncertainty of your increase in profits as forecasted in the financial plan.
Ensuring that the organization will pay out EUR698, 000 in dividends might be too risky. Instead of rely on more bank borrowings, Deutsche Brauerei should keep more revenue to cover their particular bank borrowings and to as well finance all their future purchases and jobs. In addition , should certainly there be a financial crisis, the retained earnings would assistance to cushion the effect from the problems. As most with the shareholders are older people of the Schweitzer family, and they are retirees who depend on the dividend payout, reducing the dividend payout might cause some upset. Yet , paying out a dividend percentage of 73% is causing more problems for the company.
By simply reducing this kind of percentage to 60%, the business is able to retain 40% of their net revenue for reinvestment and auto financing future assignments. These retained earnings might also help ease the problem with their current funds shortage. Gross Payout| 50%| 60%| 75%| | 2001| 2002| 2001| 2002| 2001| 2002| Net Income| 2712| 3439| 2712| 3439| 2712| 3439| Dividends| 1356| 1720| 1627| 2063| 2034| 2579| | | | | | | | Preservation of Earnings| 1356| 1720| 1085| 1376| 678| 860| The table above reveals the changes in retained income according to the changes in dividend proportions ” the larger the dividend payout, the bottom the maintained earnings.
It is recommended that, in the first quarter of 2001, the corporation should spend the same amount of dividends that this shareholders received in 2150 (EUR 546, 500). It ought to be explained that if the prediction for 2001 is correct, and there is no economic crisis, the shareholders can expect a greater dividend payment in the next 1 / 4. From our suggested financial plan (i. electronic. net earnings is EUR 2, 712, 000), spending dividends of 60% means that the investors can expect to get a payout of EUR 406, 800 in the second quarter.
Examination of Deutsche Brauerei’s 2001 Financial Budget One of the main worries for Krauts (umgangssprachlich) Brauerei’s economic budget for 2001 is it is heavy reliance on short-term debt funding. This is generally due to working strategies, plans, large revenue growth, payouts and capital expenditure getting financed through working capital. These kinds of have all linked in draining the company’s funds and leading to the business to finance the investment through working capital using short-term credit. The overall reliability on financial debt financing has stayed around 42% (debt/total capital percentage, Exhibit 4).
The main borrowing used by Deutsche Brauerei has become short-term financial debt, so the business has sustained a large funds drain. Immediate debt needs fast repayments to be made and normally charge a greater interest rate than what is charged on long term debts. Initial bank borrowings have improved dramatically by 1997 to 2000 and they are projected to enhance further in 2001 and 2002 (Exhibit 1). As for long-term financial debt, it has been steadily decreasing since 1997, further demonstrating Deutsche Brauerei’s heavy reliance on short-term debt because their main way to obtain financing.
The 80-day credit policy directed at Ukraine distributors has ended in large boosts in revenue and accounts receivables. Demonstrate 4 reveals a large expansion rate in sales and receivables largely from the Ukraine. In 1998, accounts receivable inside the Ukraine had been EUR 424, 000 through 2000 have got dramatically increased to EUR 6, 168, 000. Compared to Germany, the Ukraine accounts receivable has grown at an really large rate. This is generally due to the fact that the majority of the new Ukrainian sales are on credit. The credit policy gives distributors 80 times to spend, but in actuality, in 1999 and 2000, the times in receivables was 85. and 87. 1 respectively. The fact that it can be taking this kind of long periods of time to get cash coming from sales is usually forcing Deutsche Brauerei to finance seed money in other techniques such as initial borrowing. The organization also retains a large amount of inventory for the Ukraine distributors. This requires extra investment in inventory and that this inventory is placed for longer. This results in this taking even longer to receive cash from our investment, thus increasing the already expanded cash change cycle. Exhibit 1C demonstrates that Deutsche Brauerei’s inventories have been steady right up until 1999 and possess approximately doubled.
The large gross payout rate has also triggered the increased use of short-run financing. Although the business provides substantial revenue to pay out these types of dividends, the cash is already tangled up and these kinds of payouts possess required more short term auto financing. The business’ 25% plough back percentage is not really sufficient to get reinvestment, requiring even more upcoming borrowing to fund capital expenditure. Capital expenses of EUR 7 , 000, 000 has been predicted for both 2001 and 2002, needing even more short-term borrowing. To avoid large money drainage inside the upcoming years, Deutsche Brauerei needs to re-evaluate their debts financing options.
Long-term personal debt should be considered rather than short term debts. Not only will certainly this decrease the strain on the company’s funds, it will also allow for the investment within a new flower and products for 2001 because of the accessibility to funds. Long-term debt can also be used in 2002 as a supply of financing pertaining to the recommended new factory. Since the expense of the factory is considerably high (EUR 6. almost 8 million), it might be unwise to finance it using short-term debt, therefore, long term debt would be the suitable choice. Suggested Amendments to 2001 Economic Budget:
To generate more accurate forecasts for next year, there are some changes that need to be designed to Pinchuk’s predictions and presumptions. Firstly, in Pinchuk’s economical plan, product sales growth in Germany and Ukraine had been projected to be 3% and 45% respectively. Germany’s development is considered to be a fair representation but the believed sales expansion for the Ukraine seems to be overestimated. Fresh projects at first have large growths per year but they also lower rapidly. It happened in 1999, actual product sales growth for the Ukraine was 312% but in 2001, Ukraine’s genuine sales development was 47%.
Therefore , to get the year 2001, it is presumed that revenue growth ought to decrease to a figure substantially less than 45%, for example , 30%. Also, the operating margins seem to be optimistically high in 7%. An average of the functioning profit margin from the previous 4 years is six. 88%. This really is possibly nonetheless too high in comparison to Germany and Ukraine’s functioning margins of 6. 10% in 2000. Our advice is to use six. 1% once again for 2001 because you would not expect operating profit margin to enhance if the expected global downturn occurs.
We certainly have also changed the dividend payout policy to a suggested 60% as explained previously in the gross declaration section. Increasing the credit coverage in the Ukraine to 90 days could be seen as an very high-risk strategy to go after especially with the current signs of a worldwide financial crisis. Revenue would embrace terms of accounts receivable but the organization already stands to lose big money if marketers start to default. A financial problems would cripple the suppliers in the Ukraine and they can be forced to arrears their accounts.
It is suggested that the policy must be left for 80 times to prevent that potential loss. It is also suggested that allocated for dubious debts needs to be increased by 2% to 6% to account for the potential recession. As mentioned earlier, it would be wise to fasten the coverage rather than allow it increase to 90 days in 2001. A sensitivity research on allocation and net profit was undertaken in Exhibit 2C, the purpose of this kind of analysis should be to determine how net profit might change given our supposition for the allowance of doubtful debts. Pinchuk assumed in his projections that the allocated percentage pertaining to the year 2001 is going to be 2%.
However , it truly is believed that is a considerably low percentage and should be increased to 6% to account for the actual recession as stated before. Our tenderness analysis produced the following results, in 2001 ” in the event the allowance percentage is set for 2%, in that case net revenue would be EUR 3, 083, 000. However, if the allocated is set at 6%, net profit is going to decrease to EUR 2, 712, 000. We believe that decrease will certainly account for the actual recession that may strike in 2001. The corporation is also encouraged to take on a few long-term borrowing as well as minimizing their purchase in seed money.
This will reduce the reliance about short-term borrowing. It is believed that the firm should get a long-term financial loan of EUR 14 , 000, 000 because underneath our assumptions, it would reduce short term borrowings to EUR880, 000 which is significantly less than the firms expected cash of EUR12 , 000, 000. This would eliminate the firm’s initial borrowing reliability and significantly enhance the companies liquidity. Display 2D reveals a awareness analysis with the effect of changing the quantity of long term debt plus the effect gross policy has on short-term funding required in 2001.
Keeping the current dividend policy of 75% and under the presumption the company borrowed EUR 14 million, short-term credit would be EUR 1, 292, 000. Minimizing the payment to our suggested ratio of 60% will reduce initial borrowing to EUR 881, 000. Minimizing the ratio to under 30% would eliminate the requirement for short-term asking for in 2001. Though due to the large quantities of cash the company has, getting rid of short-term debts completely is usually redundant. Show 1A shows our forecast of Deutsche Brauerei’s income and “balance sheet” for 2001.
We believe that net income pertaining to 2001 will be just over EUR 2, 712, 000 which can be about EUR 1 million less than Pinchuk’s forecast. We now have incorporated all of our suggestions of policy improvements including a long lasting loan which will help finance the planned capital expenditure to get 2001 as well as fix the existing cash problem. Recommendations for Deutsche Brauerei Firstly, in regards to a payment scheme to get Oleg Pinchuk, it is recommended that his base salary of EUR 40, 000 to EUR 50, 500. Also, instead of having his incentive repayment be 0. % of sales expansion, it is suggested that the incentive payment be zero. 6% of annual progress in profits. This implies that Pinchuk will need to reconsider his marketing and collection tactics. However , it is believed that would give him the inspiration to increase revenue every year and this is beneficial to both him and the organization. After each of our analysis on dividend affiliate payouts, it is recommended that the organization reduce the dividend payout percentage from 75% to 60 per cent. This would enable the company to retain more revenue for foreseeable future investments as well as to cover their very own short-term borrowings.
This also improves their particular current money shortage scenario. Lastly, we recommend that several adjustments be made to Pinchuk’s proposed financial budget for 2001. Instead of a expected growth price of 45% for product sales in the Ukraine, it is recommended that a much more conservative figure of 30% is used. Likewise, instead of using an functioning margin of 7% for both Australia and Ukraine, an operating margin of 6. 10% should be used for 2001. In addition , instead of relaxing credit terms coming from 80 times to 90 days, the company ought to keep it at 80 days and nights and make an effort to reduce that in the future.
It is also advised the fact that company accept a long term loan of EUR 18 million pertaining to the building of the warehouse. Finally, it is recommended that the allowance intended for doubtful bills be increased from 2% to 6%. These suggested changes consider the possible economic downturn that may take place in the coming year. Overall, Deutsche Brauerei has been effective in its growth into the Ukrainian market irrespective of difficult circumstances. With minor changes to their particular current strategies, the company has got the potential to achieve even greater accomplishment.

domain: finance


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Have you noticed that your mood is negatively affected by the weather? Many refer to this as the “winter blues”, but it also has a more clinical term, Seasonal Affective Disorder (SAD). SAD can develop from a reduced amount of sunlight present, reduced vitamin D levels, as well as an increase in social isolation due to weather conditions (Mayo Clinic, 2021). Individuals can also develop Seasonal Affective Disorder in the spring/summer months as SAD is not just limited to the colder seasons. As well, those who are more likely to develop SAD often experience other mental health disorders such as but not limited to, ADHD, major depression and anxiety disorders (NIMH, 2021).
Symptoms & Diagnosis
With fall/winter-prevalent SAD, symptoms must occur for consecutive winters and last for 4-5 months to be considered an official diagnosis. The symptoms include: oversleeping, overeating, gaining weight and social isolation (NIMH, 2021). Other common symptoms are:
Low mood and energy for most of the day
Loss of interest in hobbies or topics you once enjoyed
Feeling hopeless, worthless or guilty
Having thoughts of not wanting to live
Spring/summer-Prevalent SAD manifests in slightly different symptoms including but not limited to:
Trouble sleeping (insomnia)
A lack of appetite and weight loss
Agitation or anxiety
(Mayo Clinic, 2021) **This doesn’t serve as a diagnostic tool, please consult a health care professional if you think you have Seasonal Affective Disorder**
Ways to Help Treat Fall/Winter Prevalent Seasonal Affective Disorder
Light Therapy: you can purchase a light meant to mimic the effects of sunlight on your brain. Studies have shown the negative impact a lack of sunlight has on serotonin, which can impact our mood and energy levels (Kent et. al, 2009). Using a light therapy in the morning can help set your circadian rhythm and offset the lack of sunlight that's often experienced in the winter.
Psychotherapy: Different therapeutic modalities such as those offered at Blissful Balance Counselling can serve as an effective strategy to cope with depressive symptoms and intrusive thoughts associated with SAD. Take your time in finding the right therapeutic fit for you.
Vitamin D or Medications: Many people develop vitamin D deficiencies (especially in the winter) from the lack of sunlight. Research has shown vitamin D levels are associated with serotonin activity (serotonin is known as the "feel good hormone") (Mayo Clinic, 2021; NIMH, 2021). Incorporating a higher intake of foods such as salmon, eggs, tofu or fortified yogurt can also help increase vitamin D naturally. (Mayo Clinic, 2021; NIMH, 2021). Moreover, if you feel as though your depressive symptoms related to SAD may be best treated by medication, please do consult with your doctor.
Stay Connected: Extensive research has shown that meaningful connections improve mood and reduces both depressive and anxiety symptoms (Dewa et. al, 2020). Although the weather may dent your social plans, spending time with loved ones virtually can be a great alternative to staying connected.
Practice Hygge: According to healthassured.org, and all of Denmark, "hygge" (pronounced hoo-gah and translated to "coziness" in English,) means creating a warm and cozy atmosphere around you. You can accomplish hygge by lighting candles, turning on ambient lighting (avoiding more florescent lights), baking some yummy treats and overall relaxing and moving slowly throughout your day. Many animals either hibernate or move slowly during the winter months. We can take a page off of nature's book and set the intention of slowing down ourselves, and enjoying the cozy elements the colder months bring.
Most individuals lose access to their trusted coping tools in the colder months. Although we are unable to go on long walks outdoors, enjoy patio drinks with friends or soak in the warmth of the sun, there are alternative coping tools to practice in the fall and winter to improve our overall mood and well-being.

domain: medical


Item Number: 173782
The soft grip welt holds these socks in place without strangling your child's leg and it has a reinforced heel and toe for more durability. It also is reinforced throughout with double nylon for better grip and comfort and has been designed to fit the contours of their foot. Special grip at foot for comfort fit and arch support. 70% cotton, 15% nylon, 10% polyester, 4% elastodiene, 1% elastane. 3 pairs. Available in Small (fits Kid's size 8.5-13.5), Medium (fits Kid's 1-3), or Large (fits Kid's 3.5-6).


Possibly the best news of the year, even if it is only February, is that Richard The Third was buried under what is now a council car park in Leicester.
That the last Plantagenet king has lain under a Midlands municipal car park has to be one of the most geniusly poetic endings for a hubris-laden king, whom Shakespeare proclaimed offered his kingdom for a horse at the Battle Of Bosworth Field.
Did he murder the Princes In The Tower?
Did he really have a humped back, or was that as I had always thought a Tudor piece of propaganda? Surprisingly yesterday we found out that judging from archeological tests on the skeleton, it seems he did.
How did he speak? I have heard he apparently sounded like a Brummie. How do they know?!
I love history and read many books on Richard The Third as a teenager, the ultimate piece of Tudoristy rebellion. That this news comes to remind us of events in 1485, during a sea of current day corruption, recession and war, makes us realise how common these themes truly are.


Lots of speculation this morning that the FSA is going to take a softer line on remuneration policy at BOFIs than originally planned, though nothing on the website yet. The FSA code is due this week so presumably this is a bit of expectations management by the regulator. The broad argument seems to be that the FSA can't risk taking a tough line elsewhere if other regulators don't as this could lead to 'talent' moving elsewhere.
I'm sympathetic to the FSA's argument, expressed by Hector Sants in the FT today, that remuneration policy was a relatively minor contributory factor in the crisis. But the argument about the risk of taking too tough a regulatory line damaging our competitiveness was one of those that got us into this mess in the first place, wasn't it?


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(KMOV) -- Illinois educators are facing tough decisions one day after the State Board of Education announced drastic cuts in funding.
The areas hit the hardest are the gifted and after school programs. Reading programs and early childhood education are losing a third of their funding.
While the money is being cut, local districts say one thing that hasn't been cut are performance levels mandated by the federal no child left behind act.
At the high school level, other cuts include programs designed to keep at-risk kids in school as well as grants that help schools purchase books and materials for teachers.


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'We were led on': Nearly 700 call centre employees lose jobs in Cape Breton
Published Thursday, December 6, 2018 5:46PM EST
Nearly 700 workers at a Cape Breton call centre who haven’t received their paycheques learned on Thursday that they’re out of work.
Employees at ServiCom in Sydney, N.S., were called to a meeting Thursday and told they would be losing their jobs less than three weeks before Christmas.
Worker Lori Riles told CTV Atlantic it was smart that police were called to the building before the announcement was made.
“It probably would’ve broke out into a riot in there,” she said. “It was pretty bad.”
The call centre’s U.S. parent went bankrupt in November but the Canadian employees were told their workplace was profitable and would remain open.
Danny Currie said he and his fellow employees were “led on.”
“They were promising bonuses up until the very last minute,” he said. “I didn’t understand how they could offer bonuses when they couldn’t give us our basic paycheque.”
Manager Todd Riley said the news was tough to swallow, and he accused the call centre’s owners of cowardice.
“They lied to me,” he said. “I had to work with 700 people to go in day in and day out and keep people on the phones and encourage them that things were going to get better.”
Riley said he’s heard that there is an investor in the U.S. who has expressed interest in purchasing the business, but that no deal has been made so far.
Kayla Williams was left in tears after learning she lost her job. “I have a two year old at home. I have a mortgage. I have bills,” she said. “I’m disgusted. There’s no words.”

domain: economics


Complete front differential kit to upgrade your Roxor for larger tires and more traction! We are taking the guesswork out of setting up your 30 spline Chromoly axles with proper Nitro gears and Auburn differential for your build.
The factory Roxor transmission heating is surprisingly high and does not allow the rpm to work in the peak power range for most situations. Especially with larger tires.
- Direct-Fit to Roxor's Equipped with aftermarket 30 spline axles.
- A robust and unique cone clutch mechanism that outlasts and outperforms plate-type clutch designs.
- Engineered to provide smooth torque-sensing operation, with the correct bias ratios
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- Made in USA
- Complete Front Differential Ring and Pinion Set
- Master Bearing Install Kit
- Front 30 Spline LSD Differential
18-20 Mahindra Roxor


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EPA offers rough timeline for new agile contracting vehicle
July 27, 2016
During a standing-room-only industry day, officials laid out their plans for the agency’s agile blanket purchase agreement.
David Stegon was a staff reporter for FedScoop and StateScoop from 2011-2014.
The Department of Interior redesigned recreation.gov, the interagency website that guides visitors to 90,000 sites on federal lands such as national parks, national wildlife refuges, forests, waterways and national recreation areas.


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I gotta gotime to spend my wings flyhigher than the bluer skynever did me and goodwaiting roundonly so much to my heart can takeit doesn't…
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domain: entertainment


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West Richland’s Operation Candy Cane Needs Food Donations
Want to do something special this holiday season for your fellow neighbors? West Richland's Operation Candy Cane is looking for non-perishable and canned food donations and the event is tomorrow!
Benton County Fire Protection District # 4 is doing their 19th Annual Operation Candy Cane at Flat Top Park in West Richland tomorrow from 4 PM - 8 PM. They are asking that you drop off a non-perishable and canned food donation and you'll get a candy cane for your donation.
Fire Trucks will be lighted up with Christmas Lights and Santa will be out there as well passing out candy canes. They are asking people to stay in their cars as they'll be doing the food drive as a drive-thru because of COVID-19 restrictions.
All food will be donated to local charities right here in the Tri-Cities with the assistance of Catholic Charities.
Firefighters will also be at the fire station 420, located at 2604 Bombing Range Road.
It's been a tough 2020 for a lot of folks so these food donations will go a long ways for those that really need it this holiday season.

domain: food


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Our future cuts and scrapes could heal a lot faster if this HealFast electric Band-Aid concept ever enters the marketplace. Actually, HealFast is specifically designed for patients with diabetes in an attempt to address the chronic ulcers and pressure sores that they often experience. Once applied, an electric charge would generate a very weak field that prevents infection in the surrounding tissue. A far cry from those crappy Pokemon Band-Aids I use now. [Yanko Design]
Electric Band-Aids for Fast Relief
Trending Stories Right Now
Cadillac has perhaps the ugliest option of the bunch User interface design is hard, but we've been getting better at it over the years to the point where even a thermostat is easy to use. Automakers, however, seem to have their heads in the sand, taking their design inspiration for their infotainment consoles from old Winamp skins instead of any type of modern interface.
The federal government's Wind Farm Commission has handled 90 complaints in its first 14 months of operation, with 67 of those deemed "closed" with no further action to be taken.

domain: design


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Tuesday, June 15, 2010
New Rules Offer Important Safeguards to Limit Penalty Fees But Don’t Go Far Enough to Roll Back Unfair Interest Rate Hikes
WASHINGTON, D.C. – The Federal Reserve Board issued new regulations today that offer important protections for consumers, including limiting the size of penalty fees that banks can charge credit card customers. The new rules also require banks to periodically re-evaluate interest rate hikes to see if higher rates are still justified.
But the new rules are unlikely to offer much relief to consumers who have been hit by the wave of interest rate hikes in recent years, according to Consumers Union, the nonprofit publisher of Consumer Reports.
“The Fed should be commended for prohibiting inactivity fees and imposing some clear limits on penalty fees when customers are late making their payments,” said Gail Hillebrand, Director of Consumers Union’s Defend Your Dollars campaign (www.DefendYourDollars.org). “These new protections will help put an end to excessive fees that unfairly penalize consumers. But the Fed missed an opportunity to require a rollback of all the outrageous interest rate hikes consumers have been slammed with in recent years.”
Under the new regulations which go into effect on August 22, banks will no longer be allowed to charge customers a fee for not using their card and cannot charge a late payment fee that is larger than the customer’s minimum payment. Banks cannot charge a late fee higher than $25 unless one of the customer’s last six payments has been late or if the bank can show that the costs associated with the late payment justify a higher fee. The $25 “safe harbor fee” is higher than the $10 fee limit that Consumers Union had urged the Fed to adopt.
The new rules also require banks to give customers a reason when credit card interest rates are raised. Banks are also required to re-evaluate whether interest rate hikes are still justified six months after the higher rate is applied. The first rate review must be conducted prior to February 22, 2011. Consumers Union called on banks to start the rate review process immediately.
David Butler or Kristina Edmunson – 202-462-6262 or Michael McCauley – 415-902-9537 (cell)


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No. 1: Lisa Miskelly is no shrinking violet Twitter
By Kathleen Parrish
When Lisa Miskelly first decided to become a farmer she was more interested in growing people than vegetables.
“My original intention was to use farming as a vehicle to rehabilitate ex-offenders into society,” says Miskelly, the College’s new assistant director of food and farm, who discovered her passion for agriculture while interning at a dairy that produced artisanal cheese in Vermont. “I wasn’t sure what that was going to look like, but that was my vision. I wanted farming to be an educational and therapeutic experience for those who needed that.”
The closest she got was running draft-horse-powered farms in Lehigh County and now Nazareth, where she and her husband moved last year. They sell strawberries, onions, arugula, eggplant, and other produce they grow through community-supported agriculture, a program in which customers pay for weekly boxes of fruits and vegetables in advance of the harvest. The produce is then picked up weekly at the farm during the growing season, an arrangement Miskelly leverages to deliver lessons on sustainability and locally grown foods.
“We always thought of our farm as an educational experience,” she says, “but it wasn’t as direct as LaFarm.”
Miskelly, who started last month, says she plans to continue many of the initiatives started by her predecessor, Sarah Edmonds, including increasing production at LaFarm’s 2 acres in Forks Township.
“I think this is an exciting time to be coming to this position,” she says. “There’s a lot of enthusiasm for LaFarm in the community.”
Few are more excited than Miskelly, who finally gets to use soil and seeds as a living classroom to enhance the work students are doing in other disciplines, such as engineering, social sciences, and food justice.
“I really see LaFarm as a pretty amazing opportunity for students to get their hands in the dirt and do some physical labor while exploring more academic aspects of agriculture and the role agriculture plays in our society,” she says.

domain: agronomy


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WATCH: 7 Sorority Girls Arrested For Allegedly Forcing Pledges To Eat Mud and Garbage
Seven students from the University of Albany were arrested for allegedly hazing new pledges to their sorority. Police in Albany, New York say they were called for a noise complaint and found 4 young women being forced to eat mud and garbage.
One of the pledges needed medical attention. The sorority sisters were charged with misdemeanor hazing. They were reportedly part of Alpha Omicron Pi, but the University of Albany says it does not recognize the organization as a sorority.


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[NOTE: This is an accurate record of how fear and anxiety dominated my life during those years. Extreme panic. Running from nothing in particular. Believing “work” was somehow the answer.]
As usual, I am overworked. Too much freelance shit to do.
I am not exaggerating at all. My freelance work has DOUBLED in the past month. It’s killing me. I have not had a real day off in weeks. It is a struggle to devote any time at all to my personal development or ideas.
Today it really got to me and I blew a fuse. I had no outlet. I really felt like I was going to lose it, whatever that might mean. I got on my bike, went to the library. (I got the idea to do that from the blog of Will Akers, one of my favorite screenwriting teachers.)
I was extremely angry that my entire day was consumed by working for other people. This is starting to feel like a confining day job that I cannot escape. It pays way too much money. And ALL of it goes to debt right now. Which is really, really, really crazy! I am making more money right now than I ever have in my life, and I am completely broke.
I grabbed a cup of iced tea at the coffee shop on the way. Felt guilty for spending $1, but I was in such a bad mood and about to collapse that I needed something to pick me up.
At the library, I discovered SILENCE. I got out my laptop and out came the following. Forgive how stream-of-consciousness it is. I can’t pretend to be perfect, especially if I hope to someday learn something from this journal. (Or maybe someone else will.)
The purpose of my life is not enjoyment and happiness. The purpose of life is to make progress. Art and science are the most noble purposes. If you are not making progress, then you are going in circles in your tiny life. You are stagnating, consuming, not adding a little bit of energy like you should. Life is a ship that is powered by ideas and discovery.
What if sci-fi is a delusion? What if it’s not the future at all? What if we just stop discovering things? Isn’t that what most people are amounting to? If you have a day job and never do a single thing that is creative in your entire life, isn’t that the boring future you are voting for, through non-action?
Every day that you do not contribute creativity to the world, you are nothing but a consumer, voting for nothing. What percentage of people voluntarily devote themselves to the advancement of the arts and sciences? How many commit their lives to that? Not many. Without that, the ship has no fuel.
I am here to be one of those people. That’s my calling. The guy who makes the stuff that powers spaceships. The guy who powers the spaceship with stuff that pops out of his own mind.
Not everyone is meant for that. And that’s OK. And my anxiety and disgust are internal alarms that keep me doing my job. It’s what I want more than anything.
What is the net result of my struggle in life? What is the yield?
The two most important things I can be doing with my time:
1.) Generating ideas (writing, music, art, philosophy)
2.) Connecting with others who value those ideas (fans, peers)
Sometimes the net result of my day is staying alive — eating and paying bills. I say there is no reason to be alive other than to create. It might be a skewed and unpopular way to view the world. Maybe it sounds crazy, but that’s how I see it. Most might value being with their loved ones, sitting in their happy little boat. That is not for me.
If I have not created, I have wasted a day. I have approximately 11,000 more days left until I retire or reach 65 years old. How many ideas can I contribute to the world in 11,000 days or 30
years? Many, I hope.
You might argue that progress is made even by accident. You might meet someone at random on the street who places you in an important and influential job, or stumble upon a great invention in one single moment of abstract thought. And you can either wait around for those moments, or you can live a life of intentional creativity. The special bonus is that those random moments of insight will happen, in addition to what you have created through hard work.
It’s true, life is strange and unpredictable. Even if you’re passive, things will happen. But adventurers don’t wait around. Adventurers are the makers of adventure. That’s what counts.
Then I wrote 5 PAGES of screenplay, which brings me to a total of 43.
The scenes I wrote were explosive, violent. It was so loud in my head, that hours went by before realizing that I was sitting in silence, with thoughts so loud I feared I must have been yelling them the entire time.
After that, I wandered around the library a little bit and felt much, much, much better. The anger was gone.
It’s crazy to me that I am still battling with my creativity in such a way. The times of my life when I am the most frustrated and conflicted tend to bring out the most interesting results and important change.

domain: artistic


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