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Daily life for colonial Georgians was centered around the home and farm, as they were fairly isolated among themselves and from the rest of the colonies. Georgia initially was a community of small farmers, but grew quickly in later years. Most people in colonial Georgia were small farmers.What is the Georgia newspaper?
Georgia Newspaper Project. The Georgia Newspaper Project is part of the U.S. Newspaper Program, run by the National Endowment for the Humanities with assistance from the Library of Congress, which coordinates the efforts of all state newspaper projects. The goal of the U.S. Newspaper Program is to locate, catalog,...What is the name of the newspaper in Brunswick GA?
The Brunswick News is one of two major daily newspapers serving Brunswick; the other is The Georgia Times-Union, a subsidiary of the Jacksonville-based Florida Times-Union. Brunswick has one free weekly newspaper delivered to most homes in Glynn County, The Harbor Sound (a free publication).What is the name of the newspaper in Augusta Georgia?
Augusta Chronicle. The Augusta Chronicle, which started as the weekly Augusta Gazette in 1785, is one of the oldest newspapers in the United States and the oldest active newspaper in Georgia. It is owned by Augusta -based Morris Communications and in 2011 had a daily circulation of nearly 60,000 under the editorship of Alan English.


Quality American Flyer compatible S scale model trains.
South Lyon, Michigan 48178
248-437-6800 - Fax: 248-437-9454
General note: For American Flyer compatible operation order the AC Flyer version, DC versions are available for $25.00 less, (these do not have an electronic reverse unit). DC versions are available in both scale and hi-rail wheel types.
AC units have a reset device that starts out in forward, (if power is off for 5 or more seconds) if operated in pairs or "back to back" we ship these to run together i.e. one starts in reverse. So if you are ordering an additional unit alone please mention if you want it "reversed". This pertains only to AC versions.
Sound Controller: Our two button controller (or some other) is needed to start and stop the horn and bell in our locomotives with sound. Only one is needed and will work with all our different locomotives with sound. It will also work with Lionel American Flyer locomotive sound, the usual drawback of slowing the train when activated does not occur with our unit. (Unit uses about 1-1/2 volts of power)


text:
Caesars casino app for ipad
List of iPad compatible Casinos and apps for players from UK
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domain: entertainment


text:
John Bevere Encourages Audiences With Upcoming Project 'Driven By Eternity'
10th anniversary expanded edition releases nationwide October 18th
Posted: August 08, 2016, 5:00 PM | Category:Books Artist Tags: Source: Rogers & Cowan
In celebration of its 10th anniversary, world-renowned speaker and best-selling author John Bevere, will release an expanded edition of "Driven by Eternity" on Oct. 18, 2016. In this updated version, Bevere uses an eye-opening allegory and extensive Scripture to paint a vivid picture of the way our lives on this earth shape our eternal existence, and how life beyond that final breath is much more than just a destination.
"Eternity arrests the attention of all mankind," says Bevere. "No race, tribe, or gender can resist its draw. We were all created with eternity in our hearts and sense the immanent unknown extension of our existence."
Featuring a brand new cover and discussion questions for group study, "Driven by Eternity" provides a unique perspective on eternity while exploring themes such as eternal judgement, foundational truths, heaven, hell, forgiveness, as well as identifying what motivates our lives on earth. Drawing on the principles in 2 Corinthians 5:9-11, Bevere unpacks truths about whether the eternal or temporal is driving and motivating our lives, and guides readers to understand the importance of making "eternal decisions."
"Your choices today will impact your forever," says Bevere. "Don't wait until it's too late. Discover now how you can make your life count both today and forever."
"Driven by Eternity" has garnered endorsements from a number of high-profile influencers and leaders over the last 10 years, including Craig Groeschel (pastor of Life.Church and author of "#Struggles: Following Jesus in a Selfie-Centered World"), Steve Furtick (pastor of Elevation Church and New York Times best-selling author), Chris Hodges (senior pastor of Church of the Highlands and author of "Fresh Air" and "Four Cups"), Mark Batterson (New York Times best-selling author of "The Circle Maker" and lead pastor of National Community Church), Jentezen Franklin (senior pastor of Free Chapel, Gainesville, GA, and New York Times best-selling author), Stephen Arterburn (radio host and best-selling author of "The Everyman" series), Bill McCartney (Promise Keepers), and Bishop T.D. Jakes (New York Times best-selling author & CEO of TDJ Enterprises), among others.
With more than 20 titles translated in over 90 languages, Bevere is known around the world for his boldness, passion, and the uncompromising truth in his award-winning studies and best-selling books. Bevere's previous title, "Good or God?" has sold over 160,000 copies since its August 2015 release and received multiple #1 chart rankings. Widely respected as an author and expert, Bevere has been featured by top media across the globe including 700 Club, Ministry Today Magazine, Charisma, TBN, SIRIUS/XM Radio, and VITAL Magazine. He is also a regular op-ed contributor for outlets such as FoxNews.com.

domain: library


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Lungsod ng Kalookan
|City of Caloocan|
The Only Divided City in the Philippines
Moving from Vision to Victory
|Map of Metro Manila showing the location of Caloocan City|
Map of Metro Manila showing the location of Caloocan City
|Region||National Capital Region|
|Province||none (Former part of Rizal province until 1975)|
|Districts||1st and 2nd Districts of Caloocan City|
|Cityhood||16 February 1962|
|Barangays||Template:Comma separated entries|
|• Mayor||Oscar G. Malapitan|
|• Vice Mayor||Macario E. Asistio III|
|• Total||Template:Infobox settlement/metric|
|• Density||Template:Infobox settlement/metric|
|Time zone||UTC+8 (PST)|
1400 for Caloocan City Post Office
- "Cities". Quezon City, Philippines: Department of the Interior and Local Government. Retrieved 30 November 2012.
- "Province: NCR, THIRD DISTRICT". PSGC Interactive. Makati City, Philippines: National Statistical Coordination Board. Retrieved 22 November 2012.
- "2010 Census of Population and Housing: National Capital Region" (PDF). National Statistics Office of the Republic of the Philippines. Retrieved 12 June 2012.
- "2010 Census and Housing Population" (PDF). Philippine Census. Retrieved 11 March 2013.


text:
Sophie Dillman of Home and Away was a judge at The Everest Day’s spring fashion stakes earlier this month.
She also expressed her delight on Friday at finally being able to dress up for the race day celebration after months of enduring Sydney’s lockdown.
The 28-year-old told Larry Emdur and Kylie Gillies on The Morning Show that she had a lovely day with her pals celebrating freedom with champagne.
‘I haven’t worn anything other than track trousers in months,’ she joked, ‘it was such a lovely day.’
Sophie also chatted about her event date, Patrick O’Connor, her real-life boyfriend and Home and Away co-star.
Kylie complimented the actor on his stylish wardrobe, which included a well-tailored blue suit.
Sophie added to the compliments, saying, ‘Honestly, he looked quite attractive, and it was such a great day.’ He (picks his attire) on his own, and he’s a lot more stylish than I am.
The actress laughed about her own fashion taste, saying, ‘If anything, it’s the opposite way around.’
In an Elliatt blue floral dress, she looked exquisite at The Everest race day.
They first met in Queensland at an acting school before reuniting on the set of Home and Away.
Sophie has been on the show for a little longer, having played Ziggy since June 2017, whilst Patrick joined in 2018 as Dean Thompson.
Sophie, a former nurse, spoke to Now To Love about their relationship earlier this year.
‘We were work pals at first, and it has helped us work well together today, so we’re fortunate in that aspect,’ she stated.
‘It’s good to have a friendship-based connection.’
‘At our heart, we’re best friends first, and we treat each other that way, but it’s also strengthened our connection from the start,’ she said.
‘At the heart, we are best friends first and we treat one other like that,’ she continued, ‘but it’s also made our relationship stronger beginning off that way.’

domain: celebrity


text:
Text by Michael FitzGerald
Book design: Sonya Dyakova
Including an introduction by Philip Larratt-Smith and a newly commissioned translation of Vivant Denon's novella, 'No Tomorrow', originally published in 1777.
Text by Robert Storr
Texts by Stephen Barlow and Karen Wright
Text by Lynne Cooke and Guillermo Kuitca
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Miele T9802 Dryer checked out OK with Miele
Had Miele Service out today, for my T9802. It checked out fine. It did have one fault code stored, for a brown out. The Tech said, the machine is sadly very sensitive to brown outs, and he has seen it several times where a brown out, has caused the moisture sensor to temporairly "freeze". This is what probably happened the last time(s).
In regards to the machine running for 3 hours, stuck on Hand Iron...Miele said the machine will run for SIX hours, even on hot, before the emergency sensor shuts the machine down. So, they said my machine was well within factory guidelines.
Also, one of the loads, that got stuck on Hand Iron, was synthetic gym clothes. Miele recommends using the 45 Min Warm + gentle for synthetic fabrics. It works better, than relying on the Moisture sensor.
The Tech said the inside of my dryer (and the washer, as he checked both while here) were probably the Cleanest, and most well cared for machines he had ever seen!! :) Yay, my laundry OCD is paying off.


text:
Select () or exclude () categories to narrow your recipe search.
As you select categories, the number of matching recipes will update.
Find exactly what you're looking for with the web's most powerful recipe filtering tool.
Billie Moore was a big, beautiful woman that I remember from early childhood. I think I secretly want to be her. She was a sweet Southern woman, who always smelled wonderful, and brought me the best cookies. I want to honor her by posting her recipes. She is sorely missed.
Units: US | Metric
Serving Size: 1 (194 g)
Servings Per Recipe: 8

domain: food


text:
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Bilingualism Through Schooling: Cross Cultural Education for Minority and Majority Students
Book by Ramirez, Arnulfo G.
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text:
I hate the term “ethnic food.” In American society, what is the opposite of ethnic? When walking down the “international” food aisle at your local grocery store, what “ethnic food” really means is food not associated with white people. When we say “ethnic,” it makes the conversation about “us” and “the other,” while simultaneously speaking from a place of condescension. Shouldn’t we also refer to French or Italian food as ethnic if this weren’t true?
I made salmon rolls for a project in my Japanese class when I was 14. This week I spent so much money on Indian-delivery in the span of two days that I forced myself to make aloo gobi and naan. Other than that, I don’t remember ever attempting to cook “ethnic food,” and for the most part have felt intimidated to try. How could I make a truly delicious dish when I have so little knowledge of a culture? When we fail to understand the people who make the food, I just don’t think we have any business in their kitchen.


text:
Instead, it harkens back to the heady days of 80s action movies like Commando, Predator, Robocop, Demolition Man, Die Hard.
Why, why is John Wick so good? I think I can explain a couple of key points.
I can't say this enough: PG-13 spoiled the action and sci-fi genres. All of the movies I mentioned above are rated-R. Most rated-R movies these days are not popcorn action. They are horror or adult themed drama. The popcorn action flicks are all PG-13, and the action and content is aimed at teens, not adults.
John Wick is the antithesis of this trend. Kingsman and Escape Plan are others.
#2: The normal life of a hitman
One thing that's very entertaining about the movie is that the life of a hitman has rules, and casualness. The Continental hotel he stays at (in the Flatiron Building), designed for hitmen and with rules for hitmen. The casual calls for body pickups and such. It adds a level of unexpected introspection into his life, and the life of a hitman.
#1 The dog.
The most important character in the film is the dog, Daisy.
First rule of filmmaking: never kill a dog. In this movie they do, in the first 10 minutes.
Why should you never kill a dog (as a moviemaker)? Dogs aren't actors playing a character. They're innocent, cute dogs. When they die, it destroys the emotions of humans watching the movie. Daisy the dog is innocent, and dies at the hands of horrible men. Furthermore, the filmmakers rub it in your face doubly so by showing that Daisy's dying move was to crawl over to be near John while he was knocked out. The tragedy depicted is unbelievably harsh.. in less than 10 minutes! How does it recover?
And yet the movie not only recovers, but excels. The rest of the movie is revenge. For Daisy The Dog (well, and the wife who gave John the dog). So not only do you want John to live and get the bad guys, but you want him to get total revenge.
One additional note on this. Every character in the movie except for the dog-killer is sympathetic to John and in disbelief that someone would kill John Wick's dog -- even if they themselves are trying to kill him in order to get money. It's pretty twisted, and yet very human, and just makes the movie that much more interesting and entertaining.
JSS RATING: Good, Bad movie. They were making a B-movie, not Citizen Kane, and it was a good movie.


text:
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domain: sociology


text: The cost of an All-on-4 denture plan will vary from patient to patient. We know it can be frustrating to hear this, but it’s the only honest answer. The total treatment cost typically falls between ten and twenty thousand dollars, but All-on-4 costs can be lower or higher for some patients. The only way to know where your treatment price will fall along this spectrum is to schedule an All-on-4 consultation. During these appointments, your dentist will examine your smile, discuss health history including past surgical experience, and help you determine whether or not All-on-4 is right for you. Once you’ve determined which tooth replacement options are likely best for you, the dentist or a financial coordinator for the practice can walk you through the cost of every step of treatment and help you budget for these advanced restorations. On this page, we’ll help you prepare for your All-on-4 treatment by reviewing some of the factors that can add to the overall price tag as well as why these treatments are well worth the investment.

domain: finance


Transfer news: Tottenham agree £25.8m deal for Erik Lamela confirm Roma
Argentina international set for switch to White Hart Lane
Tottenham have agreed a deal with Roma for the transfer of winger Erik Lamela.
The news has been confirmed on the Serie A club's website, with a fee of £25.8m - with possible bonuses of up to £4.3m - enough to see the Italians sanction the sale of the Argentina international.
Lamela will now have to agree personal terms and pass a medical, but with the 21-year-old reportedly already in London, that shouldn't prove an issue.
A statement published on Roma's official website read: "Roma announce they have signed a contract with Tottenham for the outright sale of the playing rights of Erik Lamela, in exchange for 30m euros.
"The agreement also includes the obligation to pay 5m euros in bonuses related to the achievements of the player and the English club."
Lamela has been hugely impressive in Serie A since joining from River Plate for £15m, scoring 19 goals in two seasons.
His goal scoring ability should help to fill the void created by the impending departure of Gareth Bale to Real Madrid, which is expected to be sanctioned as soon as the Lamela deal is completed.
Sales of the tablet are set to fall again, say analysts
Met Police confirm there was a 'minor disturbance' and that no-one was arrested
George Lucas criticises the major Hollywood film studios
Does Chris Grayling realise what a vague concept he is dealing with?
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WIRING DIAGRAM FOR 1979 VW SUPER BEETLE
1979 Vw Super Beetle Wiring Diagram - Wiring Forums
Jul 30, 2017Searching for info regarding 1979 Vw Super Beetle Wiring Diagram? you are right below. You could be a professional who wishes to search for recommendations or resolve existing issues. Or you are a trainee, or maybe even you who simply want to know regarding 1979 Vw Super Beetle Wiring Diagram. Vw Wiring Diagrams, size: 800
1979 VW Super Beetle: color coded wireing diagram - ASAP
Mar 06, 2012I need a color coded wireing diagram for a speedo for a 1979 VW Super Beetle as l am replacing the speedo. - Answered by a verified VW Mechanic
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Vw Wiring Diagrams - Wiring Forums
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1979 Vw Beetle Wiring Diagram • Auto Wiring Diagram
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1979 Super Beetle conv wiring diagram for inside the
1979 Super Beetle conv wiring diagram for inside the steering wheel for turn signals & low and high beam lights. - Answered by a verified VW Mechanic
VW Super Beetle Wiring Harnesses: VW Parts | JBugs
VW Super Beetle wiring harnesses with complete wiring diagrams. Our 1971 & 1972 Volkswagen Super Beetle wiring harness kits are complete and include detailed installation instructions. The 1973 - 1979 Volkswagen Super Beetle wiring kits include wires from fuse box to taillights and engine. The VW Super Beetle wiring kit includes color coded wires.
| Repair Guides | Wiring Diagrams | Wiring Diagrams
AutoZone Repair Guide for your Chassis Wiring Diagrams Wiring Diagrams. Fuses; Heater; Engine wiring schematic-1979 Type 2 models. Fig. Fig. 10: Engine wiring schematic-1980-81 Type 2 (Vanagon) models Fig. Fig. 12: Chassis wiring schematic (continued)-1970-71 Beetle models. Fig. Fig. 13: Chassis wiring schematic-1972-79 Beetle and Super
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View our 1979 VW Super Beetle Convertible Complete Wiring Kit. by clicking here. The JBugs Technical Team has compiled useful data, tips, and tricks for installing VW Electrical Parts including wiring information for switches and relays and complete VW Beetle wiring diagrams. For more information, visit our Tech Tips page today!
TheSamba :: Type 1 Wiring Diagrams
Super Beetle only : 1971 : Super Beetle 1970-71 Supplements From Clymer's : 1972 : Corrected fuse box 1972 Supplement : 1972 : Standard and Super Additional wiring Additional wiring, USA : 1972 : Beetle and Super Beetle Automatic Stick Shift From Clymer's : 1973: How to read 73-up diagrams : 1973-up : Standard Additional wiring : 1973 : Super


From Plank Road Publishingby Teresa Jennings
Here's a song to help you bring Kwanzaa to your students. "O Kwanzaa" is a unique blend of hip hop, gospel, and African styles which students will enjoy. A pronunciation guide is included on the music for the Swahili words. The divisi of part 2 is optional (as is part 2 itself), but it adds distinctly to the flavor of the piece. Students can play along on their own Orff/percussion instruments using our suggested rhythms, included with the kit. (from Music K-8, Vol. 13, No. 2)
(Run time: 2:09)
What's in a Singles Reproducible Kit?These are single song kits that include: a Piano/Vocal Part; a Singer's Part with full rights to reproduce, perform, and use it as many times as you need for your students; and high-quality full performance and accompaniment (instrumental) recordings.
Downloadable PDFs and Performance/


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You might be concerned when it comes to using a dog crate for your dog. Whether it is for discouraging chewing, house breaking process or for aiding in traveling. You have to first remember that all dogs are pack animals by nature. To show that they still have the characteristics and qualities of their ancestors, most dogs like to run alongside other dogs.
The natural need to have their own den is also an ancestral characteristic. You should not be worried that you are putting your dog inside a cage. The dog crates look like a small den. In a normal environment a den can be a narrow passage or a shallow hole which is comfortable and big enough to turn around, stand up, lie down and to offer protection from predators. Therefore when you are looking for a good dog crate, you should consider all the natural tendencies of the dog.
Consider these points to find out the height and length of your dog crate. While the dog is in a standing position, find out the length of the dog crate by measuring from the tip of your dog’s nose to the base of the dogs tail. You should not measure up to the end of your dog’s tail because the crate will become very long. However, measure a few inches of the tail if the dog has a hard or thick tail.
To get the right height of your dog crate, measure when the dog is sitting from the floor up to the tallest part of the nose of your dog. This gives you the shortest dog crate height. If your dog has ear which are erect, then you have to measure the height of the ears also. The …

domain: pet


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Investors in AT&T (NYSE:T) are not happy with the guidance for this year's cash flows. Lower operating cash flows, combined with continued growth of capital expenditure requirements puts available cash flows to return to shareholders under pressure. This is unless AT&T again increases its already large debt position.
Given the leverage employed, intensified competition and lower operating cash flows, I remain very cautious despite the attractive 5.5% dividend yield.
Fourth Quarter Headlines
AT&T reported fourth quarter revenues of $33.16 billion, up by 1.8% on the year before, and ahead of consensus estimates at $33.06 billion. The company reported GAAP earnings of $1.31 per share versus a loss of $0.68 per share a year before.
Note that GAAP earnings are very volatile and non-GAAP adjusted earnings of $0.53 per share give a better picture about AT&T's performance. These earnings rose by a fifth compared to last year, and beat consensus estimates at $0.51 per share.
Looking At The Numbers
AT&T's GAAP numbers were a mess, so I took a look at the non-GAAP results to get a better idea about the company's performance. Despite the modest top line growth, AT&T cut operating expenses by $400 million to $28.0 billion.
As such, operating margins advanced by 260 basis points to 15.5% of total revenues, with operating earnings totaling $5.2 billion. Adjusted net earnings of $0.53 per share imply that earnings were $2.8 billion.
Wireless revenues rose by 4.5% to $18.44 billion, with growth continued to be driven by data revenues, which rose by 16.8% to $5.73 billion. Voice, text and other revenues fell by 1.1% to $9.93 billion as equipment sales rose by 3.1% to $2.78 billion. The company announced the lowest churn rates ever at 1.11%.
The wireline business reported a 1.4% decline in sales to $14.72 billion. Again, data continues to drive growth with revenues being up by 5.6% to $8.57 billion, while voice revenue declines accelerated to 11.0%, as sales fell back to $4.86 billion. AT&T reported 630,000 high speed internet additions and 194,000 u-verse TV subscriber additions.
2013 In Review
For the full year, AT&T reported revenues of $128.75 billion, which is up by 1.0% on the year before. Note that adjusted for the divestment of the advertising solutions business, revenues would have been up by 1.9% for the year.
Reported earnings came in at $18.2 billion, aided to a large degree by actuarial gains on defined benefit pension plans. Adjusted for this, earnings came in at $2.50 per share, or little above $13 billion.
Operating cash flows fell to $34.8 billion after posting record results in 2012. Lower cash flows are the result of the timing of cash tax payments, among others. At the same time, Project VIP boosted capital expenditures to $21.2 billion for the past year, putting pressure on free cash flows.
All About The Network
CEO Randall Stephenson confirmed that the past year has been all about the network. Project VIP allows greater speeds and new services for millions of customers. The company's 4G LTE network is nearing completion and is the most reliable network in the nation according to the company itself.
AT&T covers nearly 280 million POPs at the moment with competition of the LTE network anticipated this summer.
The outlook is a bit soft. Revenues are seen up by 2 to 3% for this year, driven by strength in wireless services and wireline consumer revenues. Wireless margin expansion should offset margin pressure in wireline Project VIP investments. Analysts were looking for revenue growth of 2% for this year.
Adjusted earnings per share for 2014 are seen up in their mid-single digits, not factoring in the beneficial impact of share repurchases. Analysts were looking for earnings growth of 7% for the year.
Free cash flow is expected to fall further to $11 billion after projecting capital expenditures of $21 billion. This outlook suggests that operational cash flows are expected to fall to $32 billion, down from $34.8 billion last year.
Pressure On The Balance Sheet...
Operating cash flows minus capital expenditures for the past year totaled $13.6 billion. Yet AT&T spends much more per annum in order to please its investors. Over the past year alone, AT&T spent $13.0 billion to repurchase 6% of its shares outstanding. Yet the quarterly dividend payments of $0.46 per share, costs the company close to another $10 billion per annum.
These cash outflows continue to put pressure on the balance sheet. While the company holds a comfortable $3.3 billion in cash and equivalents, its net debt position came in at $71.5 billion. Note that AT&T has another $30 billion in post-employment obligations on its balance sheet.
While AT&T remains committed to its dividend, and expects to make "opportunistic" share repurchases in 2014, after cutting the pace of repurchases to just $1.9 billion in the fourth quarter of last year.
...While Competition Heats Up
AT&T is facing increasingly more competition, notably from T-Mobile US (NASDAQ:TMUS). In that light, net wireless additions of 566,000 for the final quarter are light. These gains fell short to consensus estimates at 575,000 and customer gains of 780,000 last year.
In comparison, T-Mobile gained 869,000 subscribers in the final quarter, while Verizon Communications (NYSE:VZ) gained 1.6 million new contract users.
Notably T-Mobile stepped up getting rid of long-term practices like signing up customers to long-term contracts, and offering credits to switch service.
Takeaway For Investors
The increased price pressure, high capital expenditures requirements, large debt position and high payouts to investors limit the maneuvering room for management. Ironically enough, AT&T tried to acquire T-Mobile USA a few years ago for $39 billion and this cost the company a lot in break-up fees and increased competition at the moment. The signs of stagnation and competition are heating up the debate about a possible interest in Vodafone.
AT&T already cut back the pace of share repurchases to $7.6 billion per annum in the final quarter, yet operational cash flows do not leave much, if any room for repurchases this year. If AT&T would continue to repurchase shares at its current pace, the company would further add to its debt position.
I foresaw such a scenario back in October of last year, concluding that AT&T is trying to please its investors too much.
Worries about competition and increased leverage limited the performance of AT&T, which has been trading flat over the past year. Note that shares did see a peak around $39 in April of last year, after which shares saw a roughly 15% sell-off.
If wireless revenue growth is stalling due to lower net additions, AT&T might be suffering dearly given the continued declines in the wireline activities.
I reiterate my standing. The dividend at over 5.5% per annum is very attractive, yet it does not seem too sustainable at the moment. The leverage and opportunistic M&A activity are red flags. I would be more comforted if AT&T remains committed to not engage in M&A activity while cutting back the pace of share repurchases to contain the debt position.

domain: news


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1 – 0 Koscielny (6)
2 – 0 Sanchez (33)
3 – 0 Sanchez (48)
The history books suggested that this was the ideal fixture for Arsenal to recover some poise and confidence. They weren’t wrong as a dash of swagger was added to prolong Stoke City’s abysmal record under the red sky of north London. A three-goal margin tells you that this was comfortable but the victory was a tonking by any other name.
Asmir Begovic might hang his head over Sanchez’s third, a free kick which went through the legs of the wall and into the net via post and goalkeeper’s hand, but he was, as is frequently the case, the visitors Man of the Match. Before Laurent Koscielny headed Arsenal into the lead, Begovic had twice denied them with good saves from Rosicky and Alexis as the hosts made a blistering start.
If Steve Bruce was embarrassed to concede from the set-piece which started Hull’s tumble out of the FA Cup, it’s hard to know what his former Manchester United team-mate felt. Sanchez’s initial corner was, typically for Arsenal, abysmal. That Koscielny returned the ball to the Chilean to try again and then gamboled into the centre to head home, unmarked, is the stuff of the defensive nightmares we normally suffer.
The tenor of the match was set; Arsenal enjoyed the possession and Stoke chased shadows. Their moments of attack were fleeting, rightly denied a goal for offside and by Ospina for a clean sheet. The Colombian had little to do and a clean sheet will have done him well. How long Szczesny’s punishment lasts is another matter but it seems little to do with smoking but more on bringing the Pole down a peg or two.
Maybe this season he will merit his cup winner’s medal?
But it was another match in which Alexis’ star shone. Under the admiring gaze of two former kings of Arsenal, the new monarch waspishly harassed the visitors defence, dropping back to support the ever-dependable Monreal on the left. If Sanchez has a rival for Player of the Season at the club or in the country, I am struggling to think of one. Perhaps Villa for the latter but the former? No-one has not emerged.
Sanchez confirmed the victory, ceding possession and with Tomas Rosicky, retrieving it and playing an impudent one-two before cutting inside and delivering the requisite finish. Both have been instrumental in the comfort of the back-to-back home wins since the debacle on the south coast a fortnight ago.
Rosicky has been fairly unsung but was, with Cazorla, the driving force in the centre, freeing Alexis and Oxlade-Chamberlain on the flanks to weave their torment on Stoke. The England international was one of many denied by Begovic and it was his marauding run that Sidwell ended without claiming any part-ownership of the ball. Alexis applied the finish via a more contrived route than he intended but it matters not; the ball was in the net.
The victory was straightforward, made so by the dynamism of Arsenal’s performance. In a season where brickbats have been merited, it is churlish not to allow the players to bask in the glow of an outstanding afternoon’s work before they return to training and focus on next weekend’s visit to Manchester.
Encouragement can also be drawn from the players on the bench; Ramsey, Walcott and Özil coming back from injury to lend their efforts to the remainder of the campaign. The latter pair made their cameos, Walcott again missed a chance you would expect more from but rustiness and that particular millstone will eventually be lifted.
Özil? It’s a reminder of last season’s corresponding fixture, his Emirates début, where the Stoke defence was held in his sway. He too missed the opportunity to add the icing to his own cake but whilst the options in attack are becoming available, defensively Wenger has problems.
Highlighting the fragility of player fitness, Mathieu Debuchy seems likely to miss the next six weeks or so with a dislocated shoulder. Arnautovic’s push was an act of frustration and intimidation, driven by spite. I am sure the outcome was not as he intended but that does not undo the action. Whether the FA can do anything depends on the referee’s report, and their own will to act. Neither fills me with hope that the appropriate punishment will be forthcoming.
So to Crouch, flailing limbs making innocuous contact with Mertesacker prior to a snide late challenge which brought an over-reaction from the Stoke centre-forward. An afternoon where their physical approach to the game manifested in the niggling fouls which pockmark this encounter in The Potteries. Away from home, it is a policy which has induced continued failure, even leading to their demise on occasion.
Arsène was understandably more cheery than after the last Premier League fixture,
When you play at home – our pitch is perfect even in winter – you can move the ball well when you have so many technical players on the pitch. It is an advantage for us. What was important for me is that we kept a good concentration to play the game how we want to play and also that we kept a clean sheet at the back. Overall, I must say that everybody played very well.
There is little to disagree with his view. Suppine opposition need to be put to the sword, his players did that and for David Ospina in particular, such matches are a gentle introduction to the English game. It allows him chance to work with the defence on understandings and accustom himself to the pace of matches. He will, if he retains his place, be considerably busier next Sunday.
However, for Wenger the problems will not go away. Kieran Gibbs retains doubts about his fitness and now the manager has a problem with the right side of defence,
The only negative today is that we lost another experienced defender with a dislocated shoulder. That gives us a problem because we are already short of experienced players at the back.
Bellerin played well when he came on although it is difficult to decide if there is an element of smokescreen over Calum Chambers absence. Hanging the youngster out to dry by dropping him would be harsh on Arsène’s part, even if the inconsistency of youth has caught up with the player. A rest is possibly the answer and Bellerin’s confidence grows with each appearance.
Debuchy’s absence though, is a big problem for next weekend and some tough upcoming matches. City have pace in abundance in the wide positions with a flexibility to exploit any technical weaknesses in the Arsenal defence. For Arsène the question is which of his youths is the most reliable?
It’s something to work on this week and ponder. For now, enjoying the three points is all that matters.
From The Vaults
Arsenal travelled to St Andrews atop the Premier League, two points clear of Manchester United but looking to extend that lead to five. They duly did so with ease in a match notable for Thierry Henry scoring his 100th goal in all competitions for the club, in what was his 130th appearance for the club. It was also the third consecutive match in which Arsenal benefitted from an own goal.

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Just come across the Coding For Kids initiative:
This group was created by a community of people brought together on the 12th October 2011 at the Guardian, York Way, London - made up of young people, teachers, ex-teachers, developers, parents and industry with the purpose of finding ways to support education of programming and computational thinking for the current and next generations in the UK. Whether this be through traditional education methods - or other stuff.
This is something that I find of great interest personally. I was wondering whether this is something we might want to support as a community?


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When you think of premium hot hatches Volvo normally isn’t the first the brand that comes to mind, but after spending a week in the Volvo V40 T5 R-Design I really think it should be one of the first that you think out.
I’ve reviewed a lot of cars in the past year and the V40 T5-R created more interest in one week than most of the cars I’ve reviewed.
It seemed everywhere I went during the week I was stopped by people who wanted to have a look and a chat a about it.
It wasn’t just the brilliant blue paint work called rebel blue that attracted people lots of people commented on the looks of the car as well and many were taken back by how good the interior looked.
When you take a close look at it the V40 is an attractive looking car to begin with but tick that R-Design box and it takes it to another level. The aggressive looking body kit complete with blacked out grille 18inch alloys, rear spoiler, rear diffuser and dual exhaust complete the package.
Step inside and your greeted with a waft of luxury and sportiness, the R-design sport seats not only provide a great amount of comfort but also offers a great amount of support while cornering.
The leather bound steering wheel is comfortable to hold and was the perfect thickness for me.
The Instrument panel is what Volvo calls the Adaptive display which lets you toggle through 3 different themes Eco, Elegance and my personal favourite Performance which has a large digital speedo in the middle, rev tacho on the right and throttle position metre on the left.
The dash is softish to touch and the binnacle is covered in leather, the centre stack is a floating design which means there storage shelf behind it.
The top of the centre stack is home to the 7inch screen for the multimedia system.
The system is operated by a knob on the centre stack or via the via recognition button on the steering wheel. I found the system easy to use although not quite as user friendly as a touch screen.
The system offers you full control over most of the systems on your car as well as letting access a manual for your car.
The sound from the audio is extremely good and I really liked being able to connect to internet via my phones internet connection and listen to radio stations from around the world via the tune in app. MY wife really got a kick out of being able to listen to her favourite radio station from back home in Kansas.
The back seat offered plenty of comfort and ample legroom and my kids didn’t complain the whole even when spent a whole day driving around looking at houses.
Under the bonnet the V40 T5 R-Design is powered by a 2.0L 4cyl Turbo engine with auto stop/start engine, pushing out 184Kw of power and 350nM torque.
That means the its more than a tidy performer Volvo quotes a 6.3 0-100km/h time for this and while I didn’t do a proper 0-100 test it certainly felt like that Volvo weren’t fudging their figures.
The V40 T5-R has more than enough power to keep up with traffic and because it develops it’s torque down low it’s an extremely tractable engine indeed you can just potter around in peak hour traffic but then should the mood take you, put down your foot a bit for some fun.
Despite that it can return rather decent fuel economy figures during the week I got just over 12L/100 which is awesome considering the traffic I drive in. In more urban driving the fuel economy went into the 10’’s and on the freeway I saw it get down in the 6’s. So really you can get great economy from this if you drive it with that in mind I didn’t. The car also has an eco function which when enabled the car will try and shift into the highest gear possible to improve fuel economy.
One saving grace though is the start/stop feature which meant while I was sitting in bumper to bumper traffic I wasn’t using any fuel at all when I was stopped.
I only used a tank of fuel the whole week which considering I drove everywhere that and spent most of the Saturday driving around looking at houses when I returned it, the computer was stating I had 80km til empty.
Backing the brilliant engine is Volvo’s 8 speed adaptive Geartronic automatic transmission with paddle shifters. I really like this transmission the shifts are smooth and seamless and it is well matched to the engine, if you want to shift for yourself slip the car into sportsmode and you change gears via the paddle shifters behind the steering wheel.
On road and V40 T5-R equip with Volvo’s sports chassis and while the suspension is a touch firm I found that it rode rather well indeed, there was no crash or bang and it seemed to absorb the bumps well. The plus side is that it’s handles extremely well when you throw some corners at it.
Safety wise as you would expect from a Volvo the V40 T5-R is packed to the rafters with safety features including City Safety (to 50km/h), Pedestrian Airbag System, Dynamic Stability and Traction Control, Advanced Stability Control, and Corner Traction Control, ABS brakes with Ready Alert Brakes , Hydraulic Brake Assist and Electronic Brake Distribution, Emergency Brake Assist. Two stage driver and front passenger airbags, Roll Over Protection System and Inflatable Curtains, driver’s knee airbag, rain sensor and auto lights. It also scores bonus points for having rear parking sensors and a rear parking camera.
This car came with the optional driver support pack and while it might seem a bit pricey at $5,000 it adds things such as Blind Spot Information System and Cross Traffic Alert, Driver Alert System, Adaptive Cruise Control with Collision Warning with Full Auto Brake, Park Assist Pilot to the already impressive feature list.
After a week in the Volvo V40 T5-R I came away mighty impressed, the fit and finish and quality of material used on the interior were top class, it has more safety, features then you can poke a stick at. The T5 engine extremely tractable and can return decent economy, but has impressive power and low down torque. The 8 speed transmission is wonderfully precise and seamless, the multi media system and has the added bonus of being able to connect to the internet via your phone.
If you are after a premium sports hatch then you should definitely have the V40 T5-R design on your list.
Thanks to Volvo Australia for the loan of the car for more info on the V40 or the rest of Volvo’s range of vehicles visit their web site.
The V40 range starts at $36,990, list price for the T5 R Design $50,400, options fitted Exterior Heated front seats ($375), Panoramic tinted glass roof ($2,650), Driver Support Pack ($5,000) – Blind Spot Information System and Cross Traffic Alert, Driver Alert System, Adaptive Cruise Control with Collision Warning with Full Auto Brake, Park Assist PIlot Price as tested $58,425*

domain: design


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Cash Out Refinance Home Loan cash out refinance bad credit back to work home loan ten year fixed rate mortgage You can get more information about the fha streamline refinance Mortgage by clicking the link at.
VA Cash-Out Refinance. The VA’s Cash-Out refinance loan gives qualified veterans the opportunity to refinance their conventional or VA loan into a lower rate while extracting cash from the home’s equity. With the VA Cash-Out refinance, you have the opportunity to turn the equity in your home into cash.
Cash Out Refinance Or Home Equity Loan Rate And Term Refinance Vs Cash Out refinance mortgage cash Out veteran affairs personal Loans Know the Tax Implications of Eliminating Student Loans – Borrowers can qualify for this discharge in one of three ways: with doctor certification, Social Security benefits or certification from the Department of Veterans Affairs. student loans can be.A cash-out refinance is a way to both refinance your mortgage and borrow money at the same time. You refinance your mortgage and receive a check at closing. The balance owed on your new mortgage will be higher than your old one by the amount of that check, plus any closing costs rolled into the loan.Fact vs fiction: The truth about refinancing your home – There are actually two types of refinance transaction: Rate & Term and Cash-Out. Rate & Term is where the borrower pays off an existing mortgage under favorable terms such as a reduction in interest.Home equity loans in Texas and Houston, TX area provided by TheTexasMortgagePros – the best texas mortgage broker offering the lowest rate and fee for your home loan needs. Call us at (866) 772-3802 for more information on how to get a Texas Cash Out loan.
Purchase & Cash-Out Refinance Home Loans. With a Purchase Loan, VA can help you purchase a home at a competitive interest rate, and if you have found it difficult to find other financing.. VA’s Cash-Out Refinance Loan is for homeowners who want to take cash out of your home equity to take care of concerns like paying off debt, funding school, or making home improvements.
Inside the VA Cash Out Refinance. Grant Moon.. When considering a VA cash out refinance loan, care should be taken to make sure the VA cash out program is a true benefit. Remember that VA home.
A unique refinance option, the VA Cash-Out Refinance lets borrowers convert non-VA loans into a VA loan, or refinance a VA loan while withdrawing cash from your property’s equity. At the same time, the cash-out refinance can lower the loan’s interest rate, even if it was a non-VA loan previously. Cash-out refinance differs from a home.
The Department of Veterans Affairs (VA) implemented new rules for cash-out refinance loans with applications dated on or after February 15. For example, a disclosure and net tangible benefit analysis.
Va Homes Loans . home have been able to count on help with their home loans from the U.S. Department of Veterans Affairs – home loans backed by the VA are one of the core benefits included in the 1944 GI Bill. But.
VA Cash Out Refinancing. Another popular refinancing option is the VA Cash-Out Refinance, which allows you to tap into your home’s equity and extract cash. Borrowers aren’t required to have a VA Loan in order to choose this option; many homeowners use the cash-out option to refinance from an FHA or conventional loan.
when VA may guarantee a refinancing loan. The Act required VA to promulgate regulations for cash-out refinancing loans, specifically refinancing loans in which the loan amount will exceed the payoff amount of the loan being refinanced. This rule amends VA regulations pertaining to all cash-out refinancing loans (38 CFR 36.4306).
VA Cash Out Refinance Loans can help lower your interest rate and provide you with money in hand. VALoanMortgages.com can help you claim your VA benefits. Contact us to speak with one of our Nationwide Cash Out Refinance Loan Specialists today!


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The government of Nepal has allocated NRs. 8 Billion for the Pokhara Regional International Airport project. Finance Minister Yubaraj Khatiwada presented the budget for this fiscal year yesterday.
The runway construction of Pokhara International Airport (PIA) has already completed. The construction is expected to complete by 2021. More than 35 per cent of the overall work of the airport has been completed as per the latest report.
It has been expected that the construction would complete before deadline if the work goes with the current pace. Chinese Company CAMCE was handed over the responsibility of the project on 12th May 2014.
CAMCE has committed to complete the project by 10th July 2021 and hand it over to the Government of Nepal.
CPN-UML Chairman and Prime Minister KP Sharma Oli had laid the foundation stone of the project in presence of other opposition party leaders on April 13, 2016.
Boeing 757 and Airbus 320 would connect Pokhara with other international destinations after the completion of the project.
One of Nepal’s National Pride Project is being constructed in 3627 ropanis of land at Chinne danda in Pokhara Lekhnath Metropolitan City. The construction started after Exim Bank of China provided a loan of NRs. 22 Billion for the international airport project to the government of Nepal.


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Tag: united states-israel cooperation enhancement and regional security act
Deutch teamed up with U.S. Rep. Joe Wilson, R-SC, the top Republican on the subcommittee, to introduce the bill earlier this year.
Florida Congressman in Charge of House Middle East Subcommittee Meets With Netanyahu, Israel Leaders
From his perch as chairman of the U.S. House Middle East and North Africa Subcommittee, U.S. Rep. Ted Deutch, D-Fla., joined other members of Congress last week to tour Israel and meeting with key leaders including Israeli Prime Minister Benjamin Netanyahu and Palestinian Authority Prime Minister Mohammad Shtayyeh.


The International Archive of Women in Architecture (IAWA) was
established in 1985 as a joint program of the College of Architecture and Urban Studies and the
University Libraries at Virginia Tech. The purpose of the Archive is to document the history of women's
contributions to the built environment by collecting, preserving, and providing access to the records of
women's architectural organizations and the professional papers of women architects, landscape architects, designers,
architectural historians and critics, and urban planners.
The IAWA began with a collecting focus on the papers of pioneering women in architecture, individuals who practiced
at a time when there were few women in the field. However, the IAWA welcomes materials documenting all
generations of women in architecture in order to fill serious gaps in the availability of primary source materials for
architectural, women's, and social history research. Women interested in enhancing the historic record of architecture
and related design professions should visit our donations page or
contact the IAWA Archivist about donating materials to the IAWA.
The IAWA also collects books, biographical information, and published materials as part of its
mission to act as a clearinghouse of information about the global history of women in architecture.


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'Entwined' is an abstract artwork in graphite and acrylic.
The initial structure of each piece in this series is created over a textured acrylic base using water-soluble graphite line, which form boundaries but also draw the eye around each painting like routes on a map. 'Entwined' is a painting that gives a striking, open, uncluttered impression whilst still providing abundant areas of interest, in muted pinks, taupe, greys and stone.
The movement back and forth between acrylic paint and graphite builds depth and history and I've kept both mediums deliberately raw and loose which gives the viewer a sense of relaxation: nothing is tight or overworked. An unintentional but pleasing outcome of the two components is an incredibly flat almost chalky finish. Minor imperfections of the natural wooden surface of the cradled panel substrate are embraced.
76 x 76cm on 20mm deep cradled wooden panel. Set in a 42mm deep contemporary white painted tray frame (total size 785 x 785mm)

domain: artistic


Press Release (ePRNews.com) - RICHMOND, Va. - Feb 16, 2017 - The Attic’ Shades of Love, aims at entertaining a huge audience with old love songs. The songs will be from different eras. The program will include love songs of all types, like soul songs of 60’s, disco songs of 70s, smooth songs of 80s, and even the hip-hop songs of 90s.
This Attic w/ Uncle P will take you to steamy love tracks sung by well-known artists of that time, including Whitney H, Candy S, Bobby B, 2 Pac, Luther V, Teddy P. The songs will include love songs of early to the wild times.
Shades of Love will ignite romance in even the most dry people. It will create harmony in your life, releasing the stress of daily routine life. Just tune into The Shades of Love to listen the all-time favorites of thousands of people in the world. Though, the songs are old, but youngsters also love them, especially the hip-hop songs.
Looking at everyone’s taste, HNA Network started the old tracks. In this age of technology, and fast life, people are really getting mechanical and they need some fantasy in their lives. Love songs of all types will make you stress free even if it’s for a little time.
To hear the songs, you can tune into Attic with Uncle P Fridays 12 p.m. to 1a.m
You can also visit https://hnanetwork.com/program-schedules to know more about the week show coined ‘Shades of Love.’
PDS ENT LLC


text: Original Art Acrylic Painting, measuring: 50.8W x 40.6H x 1.5D cm, by: Allen Sawitke (United States). Styles: Impressionism, Abstract Expressionism, Abstract, Modern, Fine Art. Subject: Architecture. Keywords: Mountain, Trees, Church, Mission, Flowers, Montana. This Acrylic Painting is one of a kind and once sold will no longer be available to purchase. Buy art at Saatchi Art.


Demetrious Johnson has been doing just fine competing under MMA’s unified rules, but the flyweight champ recently reported he’s a fan of PRIDE’s.
Now, if you’re an old school fan, or a new fan that’s been busy on UFC Fight Pass, then you know that PRIDE’s rules were pretty different than the UFC’s. For example, the first round was 10 minutes, not five, and soccer kicks and stomps to the head of a downed opponent were allowed.
Well, recently Johnson attended a Q&A fan session in advance of UFC FN 92, and “Mighty Mouse” had this to say about PRIDE’s rules (quote via MMA Junkie.com):
“I’d rather have head stomps and kicks to the head on the ground rather than elbows because I think to kick someone in the head while they’re laying on their back is very hard,” said Johnson, while discussing the recent change to the unified rules, whereby a fighter must have two palms on the canvas to be considered down. “Elbows are easy. You can be here and I just cut you and won the fight.”
“That’s one of the things I loved about PRIDE, the first round was ten minutes,” Johnson said. “A lot of (expletive) can happen in ten minutes. Then the second round would happen, you have another five minutes. Then the third round would happen, you have another five minutes. That’s why I liked the PRIDE rules.”
Johnson isn’t the only fan and or fighter who feels this way. In a perfect world, it would be nice if the rules could be negotiated no? For example, how much different would Nate Diaz – Conor McGregor look on Saturday, if the first round was 10 minutes?
Johnson, meanwhile, has yet to be booked for his next fight after taking out Henry Cejudo in April.


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The Africa Confidential Blog
Who's bombing Kampala and why
The deadly blasts in central Kampala on 17 November have been claimed, via an identified Telegram account, as the work of Islamic State Central Africa Province (ISCAP), previously known as the Allied Democratic Forces. It points to the growing capacity of IS chiefs to recruit militants across East and Central Africa where it has established training camps. ADF, initially recruiting among dissident muslims to fight President Yoweri Museveni's government, has widened its war aims across the region.
Three suicide bombers killed six people, injured 36 and forced an evacuation of parliament in coordinated blasts. Police spokesman Fred Enanga said a fourth bomb-maker was arrested and equipment was found at his house.
Security officers say that Islamist militants have been boosted in the wake of the Taliban's takeover in Afghanistan, providing terrorist groups with trainers, equipment and fighters to step up attacks in vulnerable countries.
Statements from Ugandan security are fuelling concern that Museveni's government is losing its grip, distracted by its suppression of peaceful political opposition around this year's elections. After last month's bomb attack, police units insisted there was no evidence linking the attacks to ISCAP. Yet senior intelligence sources had earlier warned of ISCAP attacks, saying they had arrested suspects running sleeper cells.


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Mark Abrahamian Dead -- Starship Guitarist Dies Following Concert
Mark Abrahamian, a guitarist for the band Starship, passed away following a concert last night in Utah ... TMZ has learned.
The band tweeted, "We are shocked and saddened at the sudden loss of our guitar player Mark Abrahamian. We will miss you, brother. Rest in peace, Mark."
Abrahamian has been on tour with Starship starring Mickey Thomas since 2000. He has also played with the likes of Survivor, Toto, Loverboy and ACDC.
The band was scheduled to play a concert tonight, but canceled the show.
Free After 10 Years: The Amazing Details Of The Cleveland Kidnapping Escape 'Real Housewives of Miami' Star Adriana De Moura Weds In A Silver Gown - See Pics!


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Frenchmans cove is one of the most beautiful beaches in Jamaica. For a small admission fee you walk through a very nice garden and enter a small, really clean beach locked on both sides by beautiful rock formations.On one side of the beach you will find a scenic little river with relatively cool fresh water. There you will find a... 更多
Beautiful beach with a large fresh water pool flowing into the cove. Rope swing, overhanging trees and greenery make this every bit as good as its movie appearances. Clearly on the map for visiting tours but enough space not to make this spoil a visit.
For a small admission fee, first class beach & service. On 3 visits, our group of 6 was basically the only people there. Have travelled extensively through beach vacations in Hawaii, Caribbean and central america and very difficult to think of a place that comes close to this. Ocean water was very clear and warm and connected to a freshwater... 更多
Great beach, sunbeds, restaurant, restrooms, security. Swimming in ocean or river. Golden sand, calm waters. Nice gardens to stroll through. A little stall with jewelry and souvenirs as you leave.
$10 US per person ($5 for under 12) for a beautiful and clean beach. Amazing location where the freshwater river meets the Caribbean Sea. Great waves in the sea, and calm shallow water in the river. The food was decent and reasonably priced to have lunch on site.
Lacking local atmosphere but is the most breathtaking cove beach ever, cool river winds through tropical gardens to a fantastic beach cove. Delicious food (takes ages so order early) go for steam fish with okra and veg! Not cheap but a lovely place to visit.
We only stayed for a few minutes as it started to rain but the beach looked great. Small and private. Easy to swim especially if you have kids. There was a restaurant on the beach.
Frenchman's Cove has hurricane damage and not as nice as it once was. Also, they now charge to even look at the beach. $10/person. Seems a high cover charge for even a peak. Go to San San instead.

domain: geography


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If you're worried about banking collapses, there are steps you can take to protect your money and ensure its future - such as making sure your bank is FDIC insured or not making excessive deposits.
The FDIC provides protection to consumers through checking, savings and money market accounts through their FDIC coverage in case of bank failure - however, there’s a lot more you should know about, so let’s get into it.
At times of economic uncertainty, it can be hard to put your faith in banks. Luckily, most banks are insured by the FDIC which can protect deposits up to $250,000 should a bank fail.
While it's good to know your bank's financial health and be prepared in case of its collapse, panicking should never be allowed to set in. Douglas Adams said it best: "Panic is the quickest way to destroy an original thought."
Banking panics typically arise when depositors at one bank notice that others are exiting it due to its shrinking assets due to insolvency.
Bank runs are events whereby all the cash in a bank's vault is quickly depleted, forcing it to seek short-term funding solutions in order to continue operations and pay its depositors on time, creating panic among its depositors and staff alike.
Historically, bank runs were countered through deposit insurance and guarantees (https://www.pewresearch.org/fact-tank/2023/04/11/most-u-s-bank-failures-have-come-in-a-few-big-waves/). But this approach may no longer suffice in today's environment of increased volatility: with banks now facing risks beyond customer deposits - such as wholesale funding (money tapped from banks outside traditional customer deposits) and shadow banking (loosely regulated financial firms like hedge funds)
Governments have also needed a comprehensive risk regulation scheme in order to minimize panics caused by such forms of risk-taking, so it’s not just limited to the private sector anymore.
Research Your Bank's Solvency
The Federal Deposit Insurance Corporation (FDIC) insures most deposits held at banks approved for FDIC coverage. This serves as a safety net that prevents bank runs while still allowing customers to use their accounts; however, its coverage cannot exceed certain levels.
Find out if your bank is solvent and insured by reviewing its financial ratios, available in its annual report or on the FDIC website. These ratios indicate how the bank stacks up compared with its peers.
If your ratios or deposits begin to deteriorate or you observe a decline, this should raise red flags. These could be signs that indicate trouble at a bank that will impact both you and other customers negatively.
As part of a bank's overall assessment, it's wise to review their available capital - an estimate of how much liquid assets it has on hand that should cover any potential losses that might arise - that are considered Tier One capital.
As well as capital, you should also examine a bank's loans and investments closely. If there are too many non-performing loans in its portfolio, that should raise red flags for you.
One crucial consideration in selecting a bank is their ability to pay its creditors on time. Failure to do so could put them on the path toward failure and threaten their viability as businesses, so much so that the entire stock market could be affected by less than a handful of decisions.
Ensure Your Bank Is Insured
If you hold deposits at a bank, it's essential that they are protected by the Federal Deposit Insurance Corporation (FDIC). Established during the Great Depression to provide insurance against losses in deposits, this agency now insures over $9 trillion worth of deposits!
If a bank fails, the FDIC will usually sell it off to another healthy institution while providing insurance funds back to depositors. This process usually runs smoothly and usually only requires several days for completion.
Before opening a checking or savings account at any new bank, make sure that it's insured with the FDIC by visiting their website or calling their customer service line. It should be simple enough to quickly ascertain whether your bank has this protection.
The FDIC provides a Bank Find tool on its website that allows users to easily check the insurance status of any financial institution, from credit unions and online-only banks, all the way down to local branch locations. If you plan on depositing large sums of money at once, consider opening multiple accounts across various banks so as to be certain your funds are fully protected.
According to this article, banks should also obtain commercial property and general liability policies to safeguard physical assets like buildings, offices, security systems and computers from being damaged, stolen or destroyed by acts of damage, theft or vandalism.
Other specialized policies available for banks to purchase include management liability, fiduciary liability and cyber liability policies - with kidnap and ransom coverage providing added peace of mind against robbers stealing customer funds for ransom or otherwise committing illegal acts against their accounts.
Don't Exceed the FDIC Limit
When it comes to your savings, it is important not to exceed the FDIC Limit. This federal insurance policy ensures your funds will still be accessible in case of bank failure.
The FDIC was established in 1933 following widespread bank runs during the Great Depression, in order to foster public confidence in financial systems by insuring deposits at banks, savings associations and credit unions up to $250,000 per account holder and up to $500,000 for retirement accounts insured by them.
In the event of bank failure, the FDIC is charged with collecting and selling off the assets belonging to the failed institution; returning any deposits; and settling any outstanding debts with creditors. Furthermore, they may impose capital, investment and oversight requirements designed to minimize future bank failures.
Note, however, that the FDIC doesn't insure investments like stocks and bonds; instead, there is another agency known as Securities Investor Protection Corporation (SIPC) which protects your money should your brokerage firm fail.
FDIC deposit insurance limits vary; usually between $250,000 per person, bank account and ownership category (how you own them). But that may not be the maximum coverage available depending on certain qualifications - opening multiple bank accounts or using different ownership categories may provide more coverage than expected.
Consult a Financial Advisor
One of the best ways to protect your money in the wake of a banking collapse is consulting a financial advisor. These professionals can assist with retirement planning, stock investing strategies, creating an emergency fund and more - they have access to all necessary information as well as being up-to-date on trends within the finance industry.
An experienced financial advisor will be able to assess your current situation and offer impartial financial planning. Companies like Bonds Online have investment strategies that will help prevent mistakes while at the same time help you understand any associated risks with investing your money. This is extremely beneficial for anyone new to the game.
No matter your financial standing or life situation, making sound financial decisions is paramount to reaching your dreams. A financial advisor can assist in managing and organizing your finances to achieve this end.
An advisor can not only help create and implement your plan, but can also oversee its management on an ongoing basis - this is extremely valuable as markets can suddenly shift at any moment.
Finding a qualified financial advisor is easy if you ask friends and family members for referrals or search online databases. Compare fee structures until you find one that best meets your budget needs; and ensure the advisor is registered with a provincial securities commission so they are acting in your best interest.


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Ayeza Khan is a beautiful, talented and stylish actress. She has her own sense of style and she never compromises it whenever she dresses up for her characters or even in her personal life when she is with her family. Ayeza Khan has been super busy lately as she is shooting for about three projects simultaneously. She is right now shooting for Humayun Saeed’s television comeback Mere Paas Tum Ho which is directed by Nadeem Baig and she is also working in a drama opposite Muneeb Butt which will air on Geo as well as a project which will air on Hum.
Among all this, she also manages her brand ambassadorships and never looks out of style. She recently posted some pictures in desi attire with her hair in a beautiful perm while her makeup was subtle and glowy. She was just shining through and through. Check out the pictures yourself:


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Have You Seen The Light?
It was 1st April many years ago. My grand daughter was just six months old. My father had been ill for a few years and now he was unable to communicate. He was really ill and had been receiving total bed care for some time he had been semi conscious for the last few days. I was very concerned about him.
On this particular Monday morning I had a strong urge to go and visit my father. I normally visited him a few times a week anyway but I knew that it would be more awkward taking the baby with me but felt I had to go. I asked my son who was fifteen to come with me to look after my grand child whilst I saw my father.
We arrived at the Residential Home about mid morning and my son took my granddaughter to see the elderly ladies in the day room whilst I visited my father.
He had a single room in which a few of his personal possessions were displayed photographs, pictures on the wall and a lovely hand made patchwork quilt was on his bed.
He still appeared to be in a coma and as I looked at him to my amazement saw the most beautiful rich golden light which was about eighteen inches high and all around my fathers head and shoulders it also stretched to about half way down his body.
It was the most wonderful sight the rich gold light shimmered glowed and appeared to be radiating towards the ceiling.
I felt in awe of this beautiful sight and could not take my eyes off it. I somehow knew that my father would shortly pass away and felt only excitement for him. I felt that something wonderful was about to happen.
I had to take the children home but before I left I asked the staff to let me know of any change in my father’s condition as he had been in his present condition for about a week.
A few hours later I was talking to a friend my mobile was on the table in front of me. I suddenly said to her that my father had just died and the phone would ring in a second, which it did. It was the nurse telling me my father had passed away it had been so sudden that she had not had time to tell me so that I could go in to be with him. She had literally just walked out of the room and rang me from the phone opposite his room as soon as he had passed away.
Within an hour I heard my father calling my name. I was surprised and asked him what was wrong as he had urgency in his voice. I have left you some money he said. I told him not too worry and go peacefully. I explained that his money had gone and that it did not matter. He was agitated and again repeated there was money. I reassured him and agreed with him so that he would go peacefully.
The next morning my brother rang he lived abroad he had told me the previous week that all my fathers money had gone on his care.
However when I spoke to him he told me that the social services had made a mistake and that they owed us several thousand pounds, so my father had been right.
I eventually bought a gold watch with some of the money and whenever I look at it I am reminded of my father.
When I spoke to the vicar who arranged the funeral I told him about the gold light around my father the day he died and he said quite casually oh that was just the soul leaving the body I see it all the time.
Estra Lane , Psychic,Medium,Clairvoyant.

domain: literature


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This week’s episode is another show consisting of material I’ve been a bit obsessed with around the Hudson compound. The first half is primarily new or new-ish material. The tribute to Justine Covault continues with tracks off the brand new Justine and the Unclean album, The Signal Light, along with new tunes by Lydi Loveless, Kate Redgate, Tommy Stinson’s Cowboys in the Campfire, and a great Alice Cooper cover by veteran rockers Zero Boys.
The second half of the show is dominated by older records that I’ve recently picked up. Many were originally owned by my buddy Phil who had his semi-annual record sale last weekend. But I also have included a couple of reissues of records that I’ve been trying to acquire for years. The Lyres On Fyre, for example, was the very first truly independant record I’ve ever owned, and I desperately needed a copy to replace the one I lost decades ago. And then there’s Double Nickels On the Dime, the classic double album by Minutemen. Going for big bucks on the used market, SST finally pressed some more copies, and I just could not resist!
Of course, there’s also this week’s installment in the “52 Weeks of Teenage Kicks” series. Sahara Hotnights is a fantastic all-female rock band from Sweden who put out some great albums in the late 90s and early 00s. The expanded version of their second album, Jennie Bomb, included the hot version that kickstarts this week’s episode.
And like always, I must again plead with y’all for more versions of “Teenage Kicks”. If you are a musician, or have any contact with artists that could record their own take on the classic, please contact me!
For more information, including setlists, head to http://scotthudson.blogspot.com


Construction of two large-scale solar-plus-storage projects has begun on the Hawaiian island of O’ahu, totalling 76MW of solar PV and 300MWh of battery storage, by Clearway Energy Group.
Hickory Park Solar project, a 200MW PV power plant in the US state of Georgia, will be equipped with a battery energy storage system that allows the local utility company to maximise the benefit of the renewable resource.
While interconnection queues for America’s electric transmission and distribution operators are “swelling up” with growing numbers of energy storage projects, some of the big challenges ahead include enabling fair market participation for both standalone storage and storage paired with generation.
Construction has started on what claims to be Australia’s largest hybrid solar and battery energy storage facility.
After a recent tender process, up to 1,300MWh of grid-connected energy storage will be deployed in combination with renewable energy in South Africa through a number of large-scale projects.
South Australia’s government has welcomed the granting of planning approval for the first phase of a AU$3 billion large-scale hybrid renewable energy project in the state’s Goyder region.
Enel Green Power North America has begun construction of a wind-plus-storage hybrid resources project in Texas that will serve off takers including breakfast cereal maker Kellogg Company.
Specific recommendations from a prominent industry group for tax reforms and other changes to support energy storage were not included India’s Union Budget for 2021-2022, but certain aspects of the budget such as the promotion of domestic self-reliance have been welcomed by it.
Solar PV bidders secured two-thirds of allocated capacity in the first of Spain’s new renewable energy auctions, while energy storage was not included in any of the winning bids.
NextEra Energy Resources said in December that wind turbines had been successfully installed and became operational at Skeleton Creek, a hybrid renewable energy project the company is building in Oklahoma, US.
Solar PV combined with energy storage represents a “zero-emissions threat” to gas generation in the US, according to a new report from BloombergNEF.
While European power markets outpace the US and China for renewable energy deployment, the continent’s policymakers are yet to recognise the importance of energy storage for integrating that capacity onto the grid, new research from Wood Mackenzie Power & Renewables finds.
A new report co-authored by energy expert Tony Seba predicts that the combination of solar and wind energy with batteries could undercut and disrupt the existing global energy system with “the cheapest power available” over the next decade.
AES Gener has held a virtual groundbreaking ceremony to mark the start of construction on a 112MW / 560MWh battery energy storage system project in Chile, Latin America.
10MW / 20MWh of Tesla Megapacks used for Alberta’s first-ever large-scale battery energy storage system have gone into action as TransAlta Renewables announced the project has reached commercial operation.
A preliminary report has been issued by California energy authorities into power outages which occurred in August and among the key recommendations it makes is that generation and energy storage projects proceed without delay.
A multi-gigawatt co-location market looks set to take off within the next five years, however uncertainty over DC coupling, the need for costly symmetric grid connections and outdated regulatory frameworks risk stymying the market’s growth.
Greenko said that it will be helped along with plans to build multiple gigawatts of renewable energy plants alongside energy storage in India by an investment from Tokyo-headquartered ORIX Corporation.
Clean Power Alliance, one of California’s community choice aggregator (CCA) groups has signed a 15-year power purchase agreement (PPA) with developer 8minute Solar Energy for the output of a massive solar-plus-storage plant.
Combining energy storage with generation helps to unlock the core value of batteries and other storage, the US Energy Storage Association (ESA) has said, while data is now available on the status of installed and proposed utility-scale hybrid power plant projects throughout the country.
Anesco, the developer of a subsidy-free solar farm in England which has onsite battery energy storage, has sold the plant on to hybrid solar solutions company GRIDSERVE.
The US Federal Energy Regulatory Commission (FERC) hosted a technical conference on hybrid resources - pairing storage with generation - examining in order to overcome barriers that exist to the otherwise fastest-growing phenomenon of the grid.


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A firefighter and photographer from Sunbury suffered unknown injuries in a two-vehicle crash on Route 642 in Valley Township Tuesday afternoon.
A Geisinger Medical Center nursing supervisor reported Tony Bendele, 31, a firefighter with Americus Hose Company, Sunbury, was in fair condition.
Bendele's vehicle, a Ford Mustang convertible, swerved back and forth as it traveled toward Danville in a driving rainstorm at about 2:40 p.m., according to the other driver, Elon Morley, 50, of Mifflinburg. Morley drove a pickup truck hauling an enclosed trailer owned by Buffalo Valley Repair, Lewisburg.
Morley tried to swerve to avoid the car but his truck caught the car's back end before his truck and trailer ran up a small embankment into the Mausdale Christian Church Cemetery.


The 2016 911 RSR is Porsche’s latest instalment in the competitive GT endurance race car market.
The 911RSR, with which Porsche won all three championship titles in the GTLM classes in 2015, received a number of upgrades including a new factory finish for the 2016 season.
Modifications to the aerodynamics to comply with the new regulations were just one evolution for the flat six, 470 hp winning racer from Weissach.
The car had a new position for the rear wing which was moved further to the back. Additionally the rear diffuser was considerably larger as well as the front spoiler lip and the wide side sills.
Altogether the revisions restored the 2016 911RSR to its position as the benchmark in GT racing worldwide and re-established the 911 as the most enduring icon of GT racing.


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Men wounded by gunfire in Athens
Two men receiving treatment for gunshot wounds at Athens Regional Medical Center early Sunday morning told police they were innocent bystanders to an argument outside the Howard Johnson Inn on West Broad Street, according to an Athens-Clarke County police report.
An officer was called to the hospital shortly after 4:30 a.m. Sunday to meet with the men, both 20 years old, and both with Athens addresses. One of the men had been shot in the thigh, and the other was hit in the right leg, according to the police report.
Both men told police they had left Club Platinum on Commerce Road when it closed at 2:30 a.m., and were attending a "kick-back" party at the West Broad Street motel.
One man said he was leaving the party when he heard three or four gunshots and saw an argument in the parking lot. After the shooting stopped, he said, he realized he had been shot, and was brought to the hospital by private vehicle.
The other man told police that he, too, was walking through the parking lot when he heard the shots and was hit. He also arrived at the hospital in a private vehicle.
Both men told police they did not know who was involved in the argument in the parking lot.
A bullet slug taken from one man's leg was taken into evidence, and an investigation is continuing, police said.


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Monday, April 29- Friday May 3, 2019
Take on Substance Use and the Opioid Crisis
Increase awareness and understanding of substance use disorder in
the construction industry
Learn how to recognize substance use on the job site
Hear from experts on best practices for prevention and recovery
Give the opportunity for participants to voice their own concerns/questions on the topic
The construction industry has been disproportionately affected by substance and opioid use disorder. The BTEA and Building Trades are committed to making a difference in prevention and recovery.

domain: psychology