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A positive money habit is a life skill that can help you make better decisions with your finances. It is a set of good practices that are often used by people who have a solid understanding of personal finance.
With the current economic climate, it is more important than ever to practice sound financial principles. This article will provide you with some tips that will help you save money and build wealth.
The first thing you should do is to create a budget. This will help you track your spending and identify any areas where you can cut back on expenses. You should also work on paying off any debt that you have as this will free up more money for other investments.
Finally, make sure that your credit score is high by paying off all of your outstanding bills on time and not applying for too many new credit cards or loans.
Another great way to save money is to invest in stocks or other assets that you can sell later. If you have any extra money, put it into a savings account and pay some of the interest so that it compounds over time. You should also consider putting some money into an investment strategy such as a balanced mutual fund or a “no-load” mutual fund that has a sales charge of 1 percent or less.
Finally, don’t buy things that you don’t need right away. You should also avoid impulse purchases such as clothes and luxury items like electronics, jewelry, and furniture. Tips for people who want to build wealth
One of the most crucial first steps is to create a budget. Let’s talk about that and other sound financial principles.
1. Make a Budget and Stick to it
One of the most important money habits you can develop is creating a budget and sticking to it. This will help ensure that your spending aligns with your financial goals. It is also a great way to stay accountable.
In addition to a budget, you may want to consider using a personal finance tool like Mint or Quicken. These apps are great at tracking your spending and highlighting where your income is going. You might also want to look into investing in an online personal finance app such as Acorns or Digit.
It’s also important to set up automatic transfers from your checking account. This can help automate the process so that you’re never left in a position where you have to choose which bills to pay, simply by having them all automatically transferred on the same day and at the same time each month.
2. Invest in Yourself
Investing in yourself is one of the best things you can do for your financial future. Whether it’s taking courses to improve your career prospects or investing in a solid retirement plan, making an effort to grow your money will pay off down the line. Keep in mind that you don’t have to take on big, expensive projects in order to make big improvements.
It’s okay if you start small and work your way up. For example, a good way to grow your money is by starting a side hustle. A lot of people find ways to be creative with their spare change and earn extra cash without much effort.
Another way to grow your money is by budgeting. It’s important to know how much you’re spending each month in order to not only make sure your income can cover your expenses but also so you can save for things like unexpected expenses or emergencies.
3. Live Below Your Means and Save the Rest
If you want to be financially secure, it’s important to live below your means. That means spending less than you earn and saving the rest. This money can then be used to build up your emergency fund or invest in the future.
There are many ways to save money. These include, such as:
- Cutting back on unnecessary expenses like food, movies, and alcohol.
- Using a budget to help spend less and save more.
- Utilizing coupons.
- Saving more money by using your phone to turn off notifications and updates on apps that drain your battery or data usage. This can also be done with any other smartphone app that automatically connects to the web or sends notifications.
- Using a dishwasher instead of handwashing dishes.
4. Stay Disciplined with Your Spending
One of the most important money habits you can develop is staying disciplined with your spending. When you’re tempted to make an impulse purchase, ask yourself if it’s something you really need. If not, resist the urge and save your money instead.
Many people find that asking for help is embarrassing or difficult, but it can be a powerful way to build self-confidence and improve your connections with others. Research has shown that people who ask for help are more likely to receive support from others than those who don’t. And if you’re willing to ask for help, you’ll also find that many people are more than willing to offer it.
People who are able to recognize when their emotions get the best of them, instead of ignoring or dwelling on them, find that they’re better equipped to make effective decisions. Try using a simple method like keeping a log for one week or following your emotional temperature and recording any changes in mood that might lead you to make spontaneous
5. Make a Plan
Last but not least, one of the best money habits you can develop is making a plan. This means setting financial goals and coming up with a strategy to achieve them. Having a plan will help keep you focused and on track, and will make it more likely that you’ll reach your goals.
Practicing sound money habits less is a key component of success. Investing time in learning about and practicing sound financial principles is essential for any person who wants to be successful. For individuals who are not financially literate, it can be difficult to make the right decisions for their money. But with the right attitude, knowledge, and discipline, it is possible to attain sound financial principles
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domain: economics


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Stars including Hugh Jackman, Jessica Ennis and Gwyneth Paltrow have lined up to support Jamie Oliver's Food Revolution Day.
In a video posted on the Food Revolution site a string of stars have pledged to support a day of global action for people to share kitchen skills, food knowledge and resources.
Businesses, school and individuals are being encouraged to take part or host activities in their area on 17 May 2012.
On the dedicated website, Jamie Oliver said: "Cooking skills used to be passed down from generation to generation, but now millions of people lack even the most basic cooking skills. We need to get back to basics: to cook and eat fresh local produce; to share cooking skills and food knowledge; to join forces within communities and get as many people involved as possible.
"Food Revolution Day is our opportunity to get the world to focus on the importance of good food and essential cooking skills, by rallying our efforts to empower people with better cooking skills and to inspire them to cook fresh food from scratch."Jamie Oliver's Fifteen Cornwall under fire for local beef >>](http://www.catererandhotelkeeper.co.uk/articles/19/4/2013/348185/jamie-oliver-s-fifteen-cornwall-under-fire-for-local-beef-snub.htm) [Jamie Oliver to relaunch Fifteen restaurant following a refurbishment >>](http://www.catererandhotelkeeper.co.uk/articles/4/4/2013/348033/jamie-oliver-to-relaunch-fifteen-restaurant-following-a-refurbishment.htm) [Jamie Oliver and Quarter Group to open sites in London's Victoria >>

domain: food


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Overlooking the beach, B&B Zi Pasquale is located in Porto Recanati, 850 metres from the train station. Free WiFi access is available in all areas.
Each room here will provide you with a flat-screen TV, air conditioning and a balcony. Featuring a shower, the private bathroom also comes with a hairdryer and free toiletries.
Guests will enjoy a sweet breakfast every morning. It includes hot drinks, pastries and croissants.
At B&B Zi Pasquale you will find a shared kitchen. The property offers f...ree parking.
Civitanova Marche is a 20-minute drive from the property. Ancona is 30 km away.
|Via Garibaldi 262|

domain: travel


(AP) — Chicago Mayor Richard Daley suspended his revenue director for a day after an e-mail sent to police supervisors warned that the city was falling short of targets for parking ticket revenue.
Daley was critical of the e-mail, calling it "just stupid."
Revenue Director Bea Reyna-Hickey will serve a one-day suspension, a Daley spokeswoman says. The spokeswoman says Reyna-Hickey was sanctioned because she's ultimately responsible for her department.
In the e-mail, a Revenue Department official said the number of parking and "vehicle-compliance" tickets issued during the first seven months of 2010 had dropped to about 642,000 from more than 850,000 during that period last year.
The e-mail didn't specifically suggest that police write more tickets, but critics say the message was implied.


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Events & News
Events & Convocations
Three Bridgewater College seniors, Charles F. German, Matthew S. Kelley and Cheyenne S. Mitchell, were recognized for excellence during the college awards ceremony.
Three Bridgewater College psychology majors received the Donald R. Witters Psychology Awards presented during the college awards ceremony.
Six Bridgewater College students have received the college’s 2019 Summer Christian Experience Scholarship
Eight Bridgewater College students were presented awards from the department of health and human sciences during the annual awards ceremony.
Bridgewater College students Laura A. Michaelis, Jared A. Russell and Sterling M. Senger were recognized for academic excellence at the college awards ceremony.

domain: news


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In apple orchards, achieving efficient preharvest drop control is essential for maximizing fruit quality and storage potential. To address this concern, three registered materials have been identified for controlling preharvest drop in apples: Naphthaleneacetic acid (NAA- Fruitone N), Aminoethoxyvinylglycine (ReTain), and 1-methylcyclopropene (Harvista). Each material offers unique advantages and requires careful application based on specific apple cultivars and environmental conditions. This article presents detailed recommendations for each material, emphasizing effective strategies for managing preharvest drop this season.
Naphthaleneacetic Acid (NAA- Fruitone N)
NAA provides modest drop control, but its drawback lies in stimulating ethylene production which results in accelerated fruit maturity. Using NAA alone is not recommended due to limited drop control and accelerated ripening. Because NAA has an immediate, it can be applied just before apples start dropping, in a way it can be viewed as a rescue treatment.
The successful application of NAA (Naphthaleneacetic acid) for drop control in apple trees requires careful timing and consideration. Once NAA is applied, it takes approximately 3 days for its activity to take effect, offering about 7 days of drop control. The recommended rates of 10-20 ppm are generally effective, but determining the precise timing of application can be a bit challenging.
To achieve the best results, it’s crucial to strike the right balance. Applying NAA too early may lead to its effects wearing off before the harvest is complete. On the other hand, if NAA is applied too late, a significant number of apples may have already dropped on the ground before NAA starts working. Thus, the ideal time to apply NAA is when a few apples have started to drop naturally. This can be facilitated by gently bumping a few branches and observing if any apples drop. Once this indication is observed, it’s time to proceed with the NAA application.
For more extended stop-drop control, a split application can be employed, with 10 ppm applied at a 7-14 day interval. To maximize the efficacy of NAA, it is best applied in slow drying conditions and warm temperatures, ideally around 70-75°F. Many growers choose to apply their stop-drop sprays early in the morning, taking advantage of the presence of dew on the trees and rising temperatures during the day.
In the case of drop-prone cultivars like McIntosh, if NAA is used, it should be applied when the first sound fruit drops, using a high rate (20ppm). Fruit should be harvested within 10-14 days of application to avoid rapid fruit drop approximately 2 weeks after application. Additionally, NAA-treated fruit should not be stored for prolonged periods and should be marketed before Christmas.
ReTain (AVG) is a plant growth regulator that inhibits ethylene production, resulting in delayed preharvest drop, fruit flesh softening, starch disappearance, and red color formation. Its application offers extended shelf life and improved fruit quality by slowing down essential ripening processes in apples. Timing is crucial, as applying ReTain too early may negatively impact fruit color in cultivars with poor color, but on the other hand if applied too late a significant portion of the crop may become unresponsive to ReTain due to the initiation of autocatalytic ethylene production.
Trends with ReTain
In recent years, two trends have emerged concerning ReTain’s application. First, applying ReTain closer to harvest for Gala and Honeycrisp cultivars can reduce its negative impact on red color development. Secondly, combining ReTain with NAA has proven more effective for drop control, particularly in hot weather conditions.
Recommended Application for Different Apple Cultivars
McIntosh: For this cultivar, a combined application of ReTain (1 pouch) + NAA (10ppm) is suggested three weeks before the expected first harvest, especially in warm weather conditions. If hot weather persists into September, a second application of the same tank mix should be applied two weeks after the first.
Gala: Depending on the strain’s coloring, apply either only ½ pouch/acre of ReTain for older, less colored strains or 1 pouch/acre for newer high-coloring strains. Application should be made 1 to 2 weeks before the expected first harvest. ReTain extends the fruit’s time on the tree, resulting in improved fruit size, color, and reduced stem end cracking.
Honeycrisp: This cultivar exhibits uneven ripening and may experience significant pre-harvest drop in certain years. To address this, a low rate of 1/3 pouch per acre of ReTain is recommended for blocks with drop issues. Apply 1-2 weeks before the expected harvest. ReTain can also be applied in between picks to reduce fruit drop while allowing fruit to continue developing color. Caution should be exercised with Honeycrisp, as ReTain may increase bitter pit incidence during storage.
Late September and October cultivars: ReTain’s negative impact on fruit color development is minimal in late September and October cultivars compared to early September cultivars. Thus, a full pouch/acre of ReTain is recommended for consistent drop reduction and greasiness control. Apply three weeks before the normal harvest date.
Harvista offers effective drop control and can be applied closer to harvest (one week or less before anticipated harvest). Unlike ReTain, it does not suppress ethylene production but inhibits its action in the fruit, reducing fruit drop. Harvista’s rapid effect keeps fruit on the tree for more than four weeks, longer than ReTain. However, it also delays red color development. Specialized equipment must be used for Harvista application due to its gas-based active ingredient, 1-methylcyclopropene (MCP). Similar to ReTain, its application on Honeycrisp should be carefully considered, as it may increase bitter pit incidence. Selecting the appropriate preharvest drop control strategy is vital for ensuring optimal fruit quality, prolonged storage, and a successful apple harvest. By following the specific recommendations for each registered material, apple growers can enhance their orchard management and achieve the best results this growing season.This article was posted in Apples and tagged 1-methylcyclopropene, Amaya Atucha, Aminoethoxyvinylglycine, Apples, Harvista, NAA- Fruitone N, Naphthaleneacetic acid, preharvest drop control, ReTain.

domain: agronomy


Couch Kid News brings Bobbie Burks to The Couch to talk about I’m A Bluesman the album she just released. It is music from early in Michael’s career. We’ll talk about the album and the tour Bobbie is organizing.
Fat Bastard Blues Band is out of Durham, NC and have just released their debut self-titled debut album. I’ll sit and chat with the band about their backgrounds, how they came together in 2009 and what is next for them.
Lee Delray has just released his sophomore effort; Brand New Man. Lee grew up in New York City and has taken his influences and turned them into a sound all his own, including the melding of Blues & Hip-Hop. Lee will join me to talk about his career, music and where he is heading next.
Jj Thames returns for Couch Kid New music with her new release, Raw Sugar. The album was produced by Couch Kid Eddie Cotton and is on Couch Kid Grady Champion’s label. I’ll chat with Jj and find out what she has been up to since her last visit and the original music on the new album.
We have a second Couch Kid New Music Segment with Little Mike. His new release is How Long? The album is 7 originals and 5 classics done in Mike’s own style. Mike and I will talk about the new album and what has been going on in his life since we last sat.


Violence in the Ethiopian city of Dire Dawa, where Somali and Oromo communities have come into conflict, is affecting education, business and the general lives of ordinary people.
Khadar Bahar Abdi, an international relations student at Diridabe University, told Radio Ergo that many Somali students had been forced to leave the campus because of the disturbances.
“Their parents are scared and say, there is violence in the city, because of these issues you should move back to Jigjiga or drop out of the university. That is the biggest challenge we face as students in Dire Dawa,” Khadar said.
Students missed the exams in April due to violence. Somali students who remain on the campus have been staying indoors fearing to go out. They say they have been targeted by members of the Oromo community and by the police.
Dire Dawa, located 531km east of Addis Ababa, is under the jurisdiction of the federal government and is claimed by both the Oromia Region and the Somali Region. The administration and post of the mayor have been rotating between Oromo and Somali communities.
As the second largest city in the country, it has historically been a hub of prosperity on the railway line from the capital Addis Ababa to Djibouti.
Tensions have risen, however, and taken on increasingly ethnic dimensions since December last year.
The university is located near an army base. Students accuse the army of being brutal in their treatment of civilians during protests that have occurred. Many waves of arrests have been made. Somali students feel they are targeted.
Ahmed Haji Nuur, the head of the Somali Students’ Association at the university, said they were finding it hard to continue with their studies against the background of violence and insecurity.
“In previous years there was no violence, but now it’s not as it used to be. There is violence everywhere you go in the city and the villages, there is a crisis in the city,” he said.
Businesses are also affected. Mohamed Daahir Ahmed trades food in the city.
“I used to bring sugar and cooking oil in to the market. We were free back then, no-one would ask questions. After the violent crisis started I had to flee from the city because I feared for my security. If there is no security and you can’t move freely in the city then your business will fail no matter what you do,” he said.


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Summer is here, and there’s no better place to stay than Kenshō Ornos on Greece’s iconic island of Mykonos.
Undoubtedly one of the most famous Greek islands, Mykonos is known for its stunning beaches, cosmopolitan vibe, and vibrant dining scene. Holidaymakers flock from all corners of the globe to soak up the Grecian sunshine and local gastronomy. No trip to Mykonos is complete, however, without a visit to Kenshō Ornos – the A-list favourite, award-winning boutique hotel, set on the beautiful Ornos Bay.
Here are our five top reasons to visit the hotel:
1. Resident DJ and Weekly Music Events
Popular for its glamorous nightlife, superstar DJs and beautiful crowds, Mykonos is a true holiday destination. The fun starts at Kenshō Ornos, with a calendar of regular events sure to keep guests entertained. Throughout the season, different musicians and performances will be taking place at Kenshō Ornos, ranging from singers to DJs, dancers and more. Recent events include our resident DJ, DJ Angelos playing Ethnic Electronic and Afro House music and Mediterranean ethnic music performances by Ghenwa Nemnom.


Modern payment cards, e.g., credit cards, ATM card, etc., have a built-in chip that transmits the card’s information wirelessly. This is necessary because to enable contactless payments, which have become popular in recent years. Criminals can take advantage of the technology by using a scanner wirelessly scan the victim’s payment in the same way a payment terminal would. These scanners are legal and can buy in electronic stores or online. Further most modern smartphones have a built-in NFC reader that can be used to unlawfully scan contactless payment cards. All a would-be thief needs to do is get close to you, let’s say the at the checkout line, and he has your credit card information. With that information, the thief can make a fraudulent purchase online. The security industry calls this Card Not Present (CNP) fraud.


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On Sep. 23, 2001, a 38-year-old Michael Jordan came out of his second retirement to announce that he would be returning to the NBA floor as a member of the Washington Wizards.
This came just 21 months after the six-time NBA Champion had taken over as the President of Basketball Operations for the Wizards in January 2000. A year prior, in January 1999, he was famously quoted saying he was “99.9 percent certain” he would never return to the NBA.
Basketball fans began following his whereabouts when he began a rigorous training regime in the hopes of making a return. While he cooled down the expectations saying he was just trying to lose the weight he had gained since retiring in 1998, the interest spiked once again when he began hosting invitation-only camps for NBA players and hired Doug Collins as the head coach of the Wizards.
A couple of weeks after making his announcement official, Jordan also announced that he would be donating all of his $1 million salary for the 2001-02 season to victims of the Sept. 11 terrorist attacks.
Jordan donated $100,000 of the sum to help the children who lost their parents at the Sept. 11 terrorist attack on the Pentagon while the remaining amount would be donated to other relief efforts in connection to the attacks.
In his return against the New York Knicks at Madison Square Garden, Jordan finished with 19 points, six assists, five rebounds and four steals on 7-of-21 shooting from the field in a close 93-91 loss.
Jordan played two full seasons for the Wizards, averaging 21.2 points, 5.9 rebounds and 4.4 assists in 142 regular-season games. In December 2001, coming off his lowest-scoring game (six points), he exploded for 51 in the next game against the Charlotte Hornets.
That performance made him the oldest player in NBA history to score 50 points, a record broken 18 years later by Jamal Crawford.
Although the Wizards failed to make the playoffs in either season, Jordan, as he had in his rather famous and successful tenure with the Chicago Bulls, didn't disappoint basketball fans with his incredible performances.
The views on this page do not necessarily reflect the views of the NBA or its clubs.


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After a summer of speculation, Â£89 million football star Paul Pogba appears to be on his way back to Manchester United, pending a medical.
While Pogba prepares to join Jose Mourinho’s new-look squad, Twitter has responded with the only logical hashtag.
Finally! #POGBACK pic.twitter.com/PnhddEZyvo
— Mr.A7 (@iamavro) August 7, 2016
As The Red Devils get ready to hand over the world record transfer fee for some it feels like groundpog-day has finally ended.
The Rock just took the words right out of my mouth #Pogba #MUFC #PogbaIsRed #Pogback pic.twitter.com/u6rwHHm6bW
— Daniel MUFC #POGBACK (@DanielB1197) August 7, 2016
The news of the midfielder’s return to Old Trafford is cause for excitement for many.
Waking up and seeing #Pogback trending https://t.co/WWxFiDekeg
— Augie Erbe (@the_auginator19) August 7, 2016
Rival clubs/fans right after hearing the news! #pogback pic.twitter.com/zlGHh9sakR
— Vikki (@VikkiLou_mufc) August 7, 2016
Some fans have let their appreciation for United executive Ed Woodward, who is overseeing the deal, run a little wild.
Man like Ed Woodward #Pogback pic.twitter.com/DN3ktvQKso
— Dami D-S (@DamiDesouza) August 7, 2016
While others clearly have too much time on their hands…
The DÌ¶eÌ¶LÌ¶oÌ¶rÌ¶eÌ¶aÌ¶nÌ¶ plane has landedâ¦ âï¸#PogBack to the Future at Manchester United â¡ï¸https://t.co/LNQnp6X5BJ
— Bleacher Report UK (@br_uk) August 8, 2016
Some aren’t so convinced by the big-money move however.
Does #Pogback refer to the backwards steps he has taken in his career? He's gone from a team challenging for the CL to a Europa league team
— Mark Easton (@Easton__19) August 7, 2016
What Man Utd could have spent the â¬120m for Paul Pogba on. We'd rather have the 450 Ferraris. pic.twitter.com/1IaW75Gcsr
— Uber Football Facts (@UberFootbalI) August 8, 2016
Whatever the reaction from Twitter, one thing clear is the biggest saga of the summer transfer window is set to end. Having already acquired Zlatan Ibrahimovic, Henrikh Mkhitaryan and Eric Bailly this window, Manchester United fans must be rather pleased…
#ManUnited fans this transfer window.#Pogback pic.twitter.com/OXIfcEzHEB
— BarcaLife (@ChethanU_C) August 7, 2016


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Vietnam improves investment climate to benefit businesses
Thursday, March 16, 2017 - 21:00:00
(VOVworld) – The Vietnam Chamber of Commerce and Industry (VCCI) in cooperation with the US Agency for International Development (USAID) has released its annual Provincial Competitiveness Index (PCI). The index shows that improvement in provincial economic management and simplified administrative procedures have benefited businesses.
|The meeting to release PCI 2016 report
The PCI 2016 shows that the economic management of provinces and cities has been improved remarkably in administration dynamism, labor training, business registration, and business consultancy services. Da Nang city continues to lead the PCI ranking with 70 points on the 100-point scale.
Da Nang city’s Party Secretary Nguyen Xuan Anh said Da Nang deems it a political task to improve the business and investment environment and support businesses. “We invite businesses to invest in Da Nang and you should trust the city’s leadership. We’ll do all we can to make businesses happy and obtain the best results.”
The PCI was introduced in 2005 to assess trade environment, economic management quality, and administrative reform for each province and city. Dau Anh Tuan, head of the Legal Department of VCCI, said 90% of Vietnamese businesses are small or medium-sized.
The local administration needs to talk with businesses to create a level playing field for development. “Authorities and businesses need to talk on regular basis to understand each other and prescribe appropriate actions. That will reduce red-tape in administrative procedures. Local authorities and sectors should maintain a regular dialogue with businesses.”
The CPI, based on a survey of more than 11,000 domestic firms and 1,600 foreign-invested enterprises in 14 cities and provinces in Vietnam, showed positive changes in Việt Nam’s business environment.


text:
Released on: Tuesday, November 6, 2012 7:30 AM
The city councils of Alpharetta and Milton approved historic agreements Monday night effectively establishing a regional parks and recreation system for those North Fulton cities and dissolving all non-resident fees at current and future facilities. The changes in fee structures will become effective on December 1.
“This agreement is another great win for the citizens of both communities,” said Alpharetta Council Member Jim Gilvin who was instrumental in negotiating the agreement. “Our citizens are neighbors, friends, and our kids attend the same schools. It makes sense that we find a way for those kids to be able to play in the same parks without some parents having to pay more than others for that to happen.”
Prior to the agreement being reached, residents of one city who participate in a parks program offered by the other city had to pay “non-resident fees” that could add as much as 75 percent to the price they had to pay.
Alpharetta officials say the time was right for the cooperative agreement to be made because Milton is working to develop quality recreation programs and expand the park space within its system.
According to the terms of the agreement, the cities will annually negotiate a variable maintenance fee. For 2012, the negotiations call for Milton to pay a fee of $325,000 to Alpharetta. It is anticipated that the fee will decrease over time as Milton brings forward additional facilities and programs that are utilized by Alpharetta residents.
“Citizens want local governments to work together to provide high quality services as efficiently as possible; to provide them with the best possible return on their tax dollar,” Gilvin said. “This is another example of how Alpharetta and Milton are doing exactly that.”

domain: sociology


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I've been using Jorte Calender for many years. And bought many icons (Hello Kitty!) So this when Jorte starts sync with Evernote I was curios. And I tested. Like it! And I can recommend Jorte if you what to have your notes in calendar. Synchronize with several Calendar Services. Supported in 27 languages. Launcher Function send a schedule appointment as a URL link. Widgets on Android devices Home Screen. All you can Use! Icons and Daily calendars Attach Notes from Evernote to Events: With Jorte Premium you can attach notes from Evernote on the events on Jorte. This is a convenient feature to use, if you need to attach notes from a conference that you are attending to the schedule of the event for instance, and other similar cases.Premium $2.99/month $29.99/year iOS Andriod Windows https://www.facebook.com/photo.php?fbid=1179777145381746 http://www.jorte.com/en/ http://www.jorte.com/en/#download
Hi, I am an avid Evernote user and find it great for not only managing work but also play, with it acting as a social management tool (similar to a business CRM). However it has its limitations at present, and i wanted to know whether Evernote would be able develop added functionality along the lines of: - Notes to be viewed in a visual timeline? - Notes to be viewed in calendar format? - Actions to be added to notes that can be viewed in a separate list for managing "to dos"? I personally would find these enhancements extremely useful and would like to know in this forum whether people agree or have other ideas that could assist in making the tool even better! bdh


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In recent years graphene has astonished the scientific community with its many unique properties and potential applications, ranging from electronics and solar energy research to medical applications.
Jing Kong, also a co-author on the paper, and her colleagues at MIT first developed a method for the large-scale growth of graphene films that was used in the work.
The graphene was stretched over a silicon-based frame, and inserted between two separate liquid reservoirs. An electrical voltage applied between the reservoirs pushed the ions towards graphene membrane. When a nanopore was drilled through the membrane, this voltage channeled the flow of ions through the pore and registered as an electrical current signal.
When the researchers added long DNA chains in the liquid, they were electrically pulled one by one through the graphene nanopore. As the DNA molecule threads the nanopore, it blocks the flow of ions, resulting in a characteristic electrical signal that reflects the size and conformation of the DNA molecule.
Co-author Daniel Branton, Higgins Professor of Biology, Emeritus at Harvard, is one of the researches who, more than a decade ago, initiated the use of nanopores in artificial membranes to detect and characterize single molecules of DNA.
Together with his colleague David Deamer at the University of California, Branton suggested that nanopores might be used to quickly read the genetic code, much as one reads the data from a ticker-tape machine.
As a DNA chain passes through the nanopore, the nucleobases, which are the letters of the genetic code, can be identified. But a nanopore in graphene is the first nanopore short enough to distinguish between two closely neighboring nucleobases.
Several challenges still remain to be overcome before a nanopore
|Contact: Michael Patrick Rutter|

domain: chemistry


Soft brake pedal/brake bleed
I have just replaced the front brake flexibles on my V6 GT, following a split in the offside one which resulted in loss of hydraulic fluid and brake pedal to the floor. Luckily only a few hundred yards from home.
Having replaced the flexibles and bled the system several times the pedal is still soft. I am getting fluid at each bleed nipple on the calipers, front and back when the pedal is operated. Intend bleeding the system again tomorrow, and taking the car for a short shake down run but have I missed something?
Don't want to give it to the dealer if it is an easy problem and worried that due to the pedal going to the floor there is now a master cylinder problem......
Have I missed something really obvious?
Kind regars and Happy New Year
Time flies like an arrow; fruit flies like a banana


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From a writer who deserves the attention of anyone in search of today's best fiction* comes an epic novelbased on true eventsof wealth, race, grief, and love, charting one sweltering summer in Atlanta that left no one unchanged (*Washington Post)Its a humid June day when the phones begin to ring in Atlanta: disaster has struck. Air France Flight 007, which had been chartered to ferry home more than one hundred of Atlantas cultural leaders following a luxurious arts-oriented tour of Europe, crashed shortly after takeoff in Paris. In one fell swoop, many of the citys wealthiest residents perished.Left behind were children, spouses, lovers, friends, and a city on the cusp of great change: the Civil Rights movement was at its peak, the hedonism of the 60s was at its doorstep. In Hannah Pittards dazzling and most ambitious novel yet, she gives us the journeys of those who must now rebuild this place and their lives.Visible Empire follows the chaosand hopethat remained in the wake of the cra...
|Number of Pages||:||288 pages|
|Status||:||Available For Download|
|Last checked||:||21 Minutes ago!|
Visible Empire Reviews
Thank you to Doubleday and Netgalley for an advanced copy of this book.
I know many people have mixed feelings about fiction based on real life events, but I’m a fan! In Visible Empire, the Orly plane crash is the big event that ties lots of disparate people and perspectives together (and the opening chapters recounting the crash are riveting). The overall book is more a portrait of Atlanta in the 1960’s from all these different perspectives (the Mayor’s wife, family of the crash victims, an Afri ...more
Sorry. Not for me.
As a native Atlantan transplanted to Northern California as an adult, I was eager to read "Visible Empire" set in Atlanta, GA in the immediate aftermath of the Orly airplane crash which tragically killed many local arts patrons in 1962. I was twelve years old when this event occurred and vividly recall my horror at the many children orphaned by this event as well as the beautiful Rodin sculpture gifted by the city of Paris to the city of Atlanta for its High Museum of Art.
Hannah Pittard did a g ...more
I received a digital ARC of this book from Houghton Mifflin Harcourt on NetGalley. I’m grateful to Houghton Mifflin Harcourt for their generosity and am happy to post this honest review. All opinions are my own.
The foundation of Visible Empire is the 1962 fatal crash of an Air France jet transporting 121 of Atlanta’s art patrons—the wealthy, white, upper-crust of the city. From there, Pittard builds her tale of those left behind—the grieving remainder of the muckety-mucks, the ...more
My only wish is that I had a full day to sit down with a tall glass of iced tea and read this in one sitting. Alas, my life did not allow for such an extravagance, but I'll just have to live with that.
When I first heard about the subject of this novel, I was very interested to see how Pittard would handle a true historical fiction. Her writing is always sharp and deeply emotional, revealing an intimate aspect that I've always thought adds a depth to her books. This book is no different.
Her char ...more
Rounding up from 3.5 - I really enjoyed the first 3/4s of the novel and the panoply of characters Pittard introduces, giving us a swirling view of Atlanta in 1962. But everything starts to feel a bit glancing, especially the politics, and the novel ultimately concludes with a scene of off-screen horror and then a limp wrap-up.
Still, I adore Pittard’s writing and I’m aware that this was a deeply personal novel for her - so, okay, I’m glad I read it.
I first heard about Visible Empire on a podcast back in the second half of 2017. Waiting until the summer of 2018 to read it seemed unbearable.
It's fair to say that Visible Empire was one of my most anticipated reads of this year, so I'm a bit confused as to how to even write this review. Looking back, it definitely didn't live up to the high expectations I'd been setting myself up for, but then again, I can't exactly pin down the one reason why I didn't enjoy it as much as I was expecting to. I ...more

domain: library


Tanja Elisa Glinsner: “Läuft mein Hirn so viele leere Kreise…”
Tanja Elisa Glinsner (b. 1995 in Linz) took lessons in violin, piano and saxophone at a young age. She subsequently also made her first compositional attempts. From 2005 to 2013 she attended the music branch of the Akademisches Gymnasium in Linz and studied violin with Wolfram Wincor and composition with Erland M. Freudenthaler as a member of the Akademie der Begabtenförderung at the Anton Bruckner Privatuniversität Linz.From 2014 to 2016 she studied composition with Wolfgang Suppan and, in addition, conducting with Ingo Ingesand with a focus on piano with Andreas Thaller. From 2016 she continued her studies with Michael Jarrell at the University of Music and Performing Arts Vienna (MDW), where she obtained her master’s degree. In 2015 she also took singing pedagogy and academic singing at the University of Music and Performing Arts Vienna, first with Rannveig Braga-Postl and since 2018 with Regine Köbler. In addition to solo performances in various opera productions of the University of Music and Performing Arts Vienna, Tanja Elisa Glinser has also participated in various opera projects of the Arnold Schoenberg Choir at the Theater an der Wien under the direction of Erwin Ortner and the Concert Association Vienna State Opera Choir since 2017. She was able to gain musical experience under renowned conductors such as René Jacobs, Kent Nagano, Mariss Jansons or Constantinos Carydis.
“Läuft mein Hirn so viele leere Kreise…” (2021) is based on the poem “Fear” (1923) by Ingeborg Lacour-Torrup. Many empty circles, many empty paths – a poem, a search without point and comma. In the foreground sound circling, searching, filigree and nervous movements – circles and paths. The actual reason for the search or the “what for” can be guessed, but also leads into an empty depth. The initial circles become paths – empty paths. For Glinsner, it represents an irony that the emotion conveyed in the poem – the search – can be seen as a parallel to the actual process of composition: A constant searching – a constant strife, an eternal interaction of mind and emotion.


A Facilities Master Plan (FMP) is a complex, long-range road map that will guide the physical development of our District over the next 5 to 10 years. It develops long-range strategies for the orderly growth and transformation of our school sites in support of the AUHSD Strategic Plan and initiatives. Initiatives with emphasis on 21st century learning skills and learning environments will be the focus of the project team.
The FMP will be utilized to develop a list of prioritized capital projects while providing the direction needed to make sound financial decisions regarding the upkeep of current facilities and the development of new ones. Our goal is to provide for a safe, secure, accessible, and sustainable future while decreasing operating costs.


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Available for the first time in English, in this thought-provoking collection of essays Guido Alpa applies his cosmopolitan approach to current issues in European, private and commercial law.
Covering a broad and diverse range of topics, he provides insights on the themes of harmonization, the relationship of the world’s legal systems, and the influence of comparative law in the evolution of legal forms.
Most lawyers will find in this book something of interest as well as plenty of cause for envy for the culture of a man who is not only an exemplar of Italian learning but also a good and loyal friend of our own law. One can thus not only commend this book to one’s colleagues in [Italy]this country but also congratulate the British Institute of International and Comparative Law on its initiative to make these essays available to English speakers.
Sir Basil Markesinis


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*4-5 classes a week will be taught in Music, Creative Movement/drama and Kids Taekwondo.
*We will also integrate outdoor play time into each day
Each day the schedule includes songs and stories at circle time, visual arts, open play time, snack time, fine arts programming in either music or creative movement, family fun phonics and outdoor play. We have recently added a kids Taekwondo class to our Preschool program! We also have a variety of learning centers which include building and blocks, transportation, puzzles and table toys, dramatic play and dress up, open art table, science and discovery, language arts and library corner and a sensory table.
Little Maples offers a 2, 3 and 5 day Morning Preschool Programs as well as an option for an extended day.
Our Preschool Programs are open to children age 3 and 4.
*Children must have their 3rd birthday prior to December 31st of the year they enrol.
*A non-refundable annual one time registration fee of $50 is required when registering
Little Maples Preschool Programs
5 day Program: Monday thru Fridays
3 day program: Monday/Wednesday/Fridays
2 day program: Tuesdays and Thursdays
5 day Program: Monday through Friday Mornings
3 day program: Monday/Wednesday/Friday Mornings
2 day program: Tuesday and Thursday Mornings
Copyright 2013. Little Maples. All rights reserved.

domain: artistic


Older homes rarely suffered from a lack of fresh air. Air leaking in through cracks and holes in older homes and poorly built new homes can allow the entire house air volume to change more than once every hour. Air also leaks in to replacing air which is used by the chimneys and exhaust appliances or through upper storey windows (because hot air rises). Energy efficient homes do not have such air leakage problems. Homes today can be built so airtight that the entire volume of the home would take many days to be replaced. This would, however, lead to poor indoor air quality causing stuffiness, indoor pollution, odour buildup and high humidity problems.
Although energy efficient homes stay cooler in summer because of high insulation levels, natural ventilation should be provided with opening windows or screened doors. On one and one-half or two-storey homes, windows opening on different levels will promote natural ventilation by convection on warm summer days and nights. Openings on different sides of one-level homes will permit cross-ventilation. There are times ventilation may be required in the winter as well. Sunny warm winter days (with a low sun angle) may cause short overheating problems in a well-insulated, properly oriented home - a fast and easy solution is to simply open a window or two for a short period of time.
Mechanical Ventilation Systems
A much more reliable and effective approach to use in today's world of well insulated and air sealed homes is some type of controlled mechanical ventilation system. With a mechanical ventilation system occupants are able to control the ventilation rate, and have the ability to keep air pollutant levels as low as possible while increasing oxygen levels and avoiding the problems associated with uncontrolled air leakage. There are a variety of systems available, from exhaust only types to continuous, balanced mechanical ventilation systems.
Balanced ventilation systems are recommended because they exhaust stale indoor air and replace it with an equal amount of fresh outside air, thereby preventing any pressure differences from occurring. These systems should be designed to exhaust warm, stale air from major pollutant sources, such as bathrooms, kitchens, hallways and laundry rooms, while distributing fresh incoming air equally throughout the rest of the house.
Balanced Mechanical Ventilation Systems
Non-Heat Recovery Systems are one type of balanced mechanical ventilation system. These systems use separate fans to exhaust stale house air and supply an equal amount of fresh outside air. This maintains the pressure balance within the house. It should be a system which exhausts and supplies air all over the home with separate ductwork or through a forced air system. Ventilation rates should be maintained between one quarter to one third air changes per hour (ACH).
Heat Recovery Ventilation Systems
Heat Recovery Systems are another example of a balanced mechanical ventilation system. They exhaust stale air and supply an equal amount of fresh air. The two streams of air are passed through the core of the heat exchanger, where heat from the exhaust air is passed to the cooler incoming air. Fresh air supplied to the rooms of the house has already been pre-heated, reducing the problems with cold drafts and the extra expense of pre-heating cold incoming air.
Since the stale, humid air that has to be exhausted contains heat, reclaiming some of that heat can reduce the energy loss while pre-heating cold incoming air. An air to air heat exchanger (also called a Heat Recovery Ventilator or HRV) is commonly used in energy efficient housing to extract heat from the outgoing air.
Currently available units are capable of extracting 70% to 80% of the heat from the exhausting air. Tying a heat exchanger into the return air duct of a forced-air heating system works well. The incoming fresh air is distributed evenly to all living spaces by the heating system duct work. An alternative for housing using non-forced air heating systems is to have the air-to-air heat exchanger separately ducted into each room. Either way the fresh air will mix well and, if a ventilation rate of one quarter to one third the total house volume is maintained each hour, humidity, odours and indoor air pollution will not be problems.
Drawing air from bathrooms through a heat exchanger instead of exhausting it outdoors also saves heating energy in winter months. As mentioned in the construction section 'Roofs and Ceilings', exhaust ducts should be vented down interior walls to the floor joist space where they could easily be attached to a heat exchanger. Excessively humid air can cause an ice buildup in a heat exchanger but most commercially made models have a defrost cycle to control ice buildup.
Because of potential grease and lint problems, range hoods or clothes dryers should not be exhausted through an air-to-air heat exchanger. Recirculating range hoods with good quality filters will eliminate having to exhaust air from that source.


Cyber threats are growing and becoming even more sophisticated in their technologies. It follows that security techniques need to grow and evolve in order to anticipate potential problems: the digital transformation cannot prescind from an increase in data security.
For all these reasons, technologies adopted until now to contrast cyber risks can result nowadays to be less effective. In this framework, the adoption of emerging technologies such as machine learning and artificial intelligence can result to be very helpful in identifying potential threats and to increase the velocity of reaction against them.
What is essential to keep in mind while speaking of cybersecurity is the idea that the IT field is evolving in the direction where servers are not even more located physically somewhere, but they are based on mobile technologies. That point out the need to monitor application in real time to prevent cyber threats. Moreover, the nature of the infrastructure is evolving and for example, private clouding is becoming more popular. On the side of users, it is evident the shift from laptop to mobiles.
Keeping in mind all these points, cyber threats and malware are evolving in directions to be able to take advantages of weaknesses of the aforementioned technologies. This observation point out the need of a “security transformation” which would parallel the “digital transformation”, in order to focus the attention on checkpoints related to applications and data rather than where they are located or how they are moving.


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How Many Nba Finals Did Kobe Play In - How kobe bryant nba finals? ' , In his 20 seasons with the lakers, kobe bryant played in seven nba finals and his teams won five championships. phil jackson talks strategy with kobe during a game in 2000.. How finals games kobe bryant played ? | yahoo, Reason 1 kobe was 18 when he started playing in the nba jordan was 21 reason 2 the lakers team had more playoff games.. reason 3 it took over 20 playoff games before the lakers season ended 5 times with kobe playing reason 4 jordans teams played 20 playoff games or more only 1 time before winning their 6 championsips.. The 10 greatest players finals appearances , Five championships, six finals appearances, including going 2-1 over lebron and losing the one in part on the greatest shot in nba finals history.. How times lebron kobe face nba, Zero. kobe played in the western conference and lebron played in the east. for them to have squared off in the playoffs, they would have to have met in the finals. this never happened. they came pretty close though. lebron made the finals in 2007, then kobe went 2008–2010. lebron made the finals on 2011, and has gone back every season since.. How times lebron james nba finals, It should also be noted that although he made the nba finals 8 times in his entire career, he made the nba finals 7 times in consecutive years from 2010 to 2017, an impressive feat that only 8 nba players of all time has achieved.. Kobe bryant stats | basketball-reference., Play-by-play data available for the 2000-01 through 2018-19 seasons. play-by-play stats are unofficial. minor differences with official season totals may exist.. How lebron james compares michael jordan nba finals, Cleveland cavaliers forward lebron james, right, goes to the basket as golden state warriors forward harrison barnes defends during the nba finals game one in oakland, calif., on june 2, 2016.. Kobe bryant - wikipedia, Many players have considered him difficult to play with because of his high level of commitment and performance.    according to sportswriter mark heisler of forbes , "circa 2004–2007, kobe was the most alienated superstar the nba had ever seen.". Nba frequently asked questions | nba., How many players are on a nba roster? each nba team can have a maximum of 15 players, 13 of which can be active each game. how long are the quarters? each quarter lasts 12 minutes..
How did kobe bryant do in the nba finals? here's a look at → How many finals games has kobe bryant played in? yahoo → The 10 greatest players with as many finals appearances as → How many times did lebron and kobe face each other in nba → How many times has lebron james been to the nba finals → Kobe bryant stats basketballreference → How lebron james compares to michael jordan in nba finals → Kobe bryant wikipedia → Nba frequently asked questions nba →

domain: game


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The Old Ottawa East Planning Committee (OOEPC) is a standing committee of the Old Ottawa East Community Association (OOECA). OOEPC engages with a range of short- and long-term planning and zoning matters that affect the development, and redevelopment, on community lands in order to protect, support, and improve the overall livability of the Old Ottawa East neighbourhoods.
B. Objectives and Implementation
Broadly, OOEPC understands the Old Ottawa East Community Design Plan (CDP) and the Old Ottawa East Secondary Plan (SP) as key guidelines and policies for the community’s built-environment vision. The work of OOEPC seeks to ensure that both the visionary principles and regulatory restrictions of these are manifested in any design, development, maintenance or reconstruction of the neighbourhood’s physical environment.
This broad goal is supported by the following activities:
Support and protect the community’s interests in any proposed changes to regulatory or legislative frameworks.
When regulatory bodies such as the City seek to introduce changes to planning policies (e.g., Official Plan, Greenspace Master Plan), or land use requirements (e.g., Zoning By-Law), or policies that may impact matters under the purview of OOEPC, members will review and assess these and, where needed, will provide comments, participate in consultations, and advocate for appropriate modifications.
While the principal salient regulatory body is the City of Ottawa, other entities, including federal (e.g., National Capital Commission) or provincial (e.g., Ministry of Municipal Affairs and Housing) may propose matters requiring OOEPC deliberation.
Review and assess various development applications or proposed initiatives within Old Ottawa East.
These include applications to the Committee of Adjustment for minor variances and consents to sever (“severances”); and applications to and proposals from the City for site plan approvals, zoning by-law amendments and Official Plan amendments, etc. OOEPC will review and assess these and comment within the designated time limit.
OOEPC will monitor the City’s Development Application Search tool (DevApps.Ottawa.ca) to stay aware of what’s being proposed that may affect Old Ottawa East and will work with the councillor of Capital Ward and his staff to ensure that the committee is aware of proposed applications and can discuss and consult with the community.
In some cases, OOEPC may be required to approach the board of the OOECA for approval to launch a formal or legal appeal of a planning application decision to the Ontario Land Tribunal (OLT) in order to protect the interests of OOE.
Monitor development or construction projects.
Monitor projects for compliance with plans, permits, agreements, and processes.
Project monitoring includes sensitivity to related factors such as protection of heritage or impacts on climate change.
Help residents of Old Ottawa East understand planning and decision making processes.
Advise community members on planning issues and assist them in dealing with municipal planning approval mechanisms.
Communicate the work of OOEPC to the community and solicit community feedback.
Post salient updates on the OOECA website.
Maintain productive communication with the ward Councillor and his or her office.
Liaise with the Councillor and Councillor’s office through OOEPC’s Chair.
Create opportunities for the enhancement of the enjoyment and livability of Old Ottawa East neighbourhoods.
OOEPC members are encouraged to look for opportunities that enhance the enjoyment of life for all residents of Old Ottawa East through its built environment (e.g., advocate for pathway linkages throughout the community).
C. Membership and Responsibilities
OOEPC endeavours to have diversity in its membership, and to have representation of all Old Ottawa East neighbourhoods (e.g., North of Queensway, Archville, Lees Avenue/Lees Station, Spenceville, Greystone Village/Corners on Main, Main Street, Canal South, Brantwood-Rideau Gardens).
The Chair of OOEPC is an elected member of the board of the OOECA. The OOEPC Chair calls and presides upon OOEPC meetings, and represents OOEPC on the OOECA board.
Committee members are volunteers from the community and should be household members of the OOECA, but need not be members of the OOECA Board.
Committee members are expected to attend monthly meetings (currently scheduled for the first Tuesday of the month except in July and August when no meetings will be held unless there is a compelling reason).
Committee members are encouraged to provide comments on ongoing planning issues. Committee members are not required to have a planning background, and in fact, general community participation is encouraged.
Members without a planning background are encouraged to gain familiarity with the planning decision-making framework by:
OOEPC decisions shall be decided by a simple majority of the committee members; in the event of a tie, the Chair shall cast the deciding vote.
OOEPC will suggest a maximum of four members for OOECA Board approval to sign Non-Disclosure Agreements with the City and attend Pre-Application Development Consultation meetings when called by the City.
These candidate suggestions will be presented to the OOECA Board not later than the month prior to the expiry of existing Non-Disclosure Agreements, or, in the event such an OOECA Board meeting date would fall during its summer recess, in the month prior to the OOECA’s summer recess.
Selected members will be bound by the terms of their Non-Disclosure Agreements, but will nonetheless, be expected to provide feedback in accordance with the guiding principles of OOEPC.
Notwithstanding the objectives, responsibilities, duties, and work of OOEPC and its members:
- All publicly expressed viewpoints or policy positions of OOEPC (except for positions taken on Committee of Adjustment applications) should, at a minimum, be approved by the OOECA President. In certain cases the OOECA President will be the public representative of a viewpoint or policy position recommended by OOEPC.
- Any expenditure of funds recommended by OOEPC requires OOECA board approval. In addition, for expenditures in excess of $1,000, approval of a special general meeting of the OOECA is also required. With prior board approval, a special general meeting for this purpose may be scheduled.

domain: politics


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Andre Agassi showed off a different kind of forehand when he apparently served up some naked pictures of his wife Steffi Graf at a charity auction this week. The former tennis ace, 40, was seen supposedly showing off the saucy snaps of the year-old mother of his two children to an appreciative bystander. Andre made the claim at the Rise Of The Legends charity benefit in Taiwan, and the one-time Wimbledon champion was encouraging audience members to put their hands in their pockets and bid for a peek. Eye-popping: Tennis legend Andre Agassi supposedly showed an audience member at a Taiwanese charity auction some naked photos of his wife Steffi Graf to raise money. Although Steffi appeared to be back home in the U. The event was staged to raise money to give tennis tournament tickets to those from poorer backgrounds and to support victims of typhoon Morakot. But as Agassi tried to get bids for a rare antique oriental plate he decided to take matters to the line by offering the highest bidder something extra. Not that one: Andre appears to draw the line at showing the lucky gentleman the next snap on his phone however.
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Graf won 22 Grand Slam singles titles. Her 22 singles titles, tied with Serena Williams, marks the joint record for most Major wins by a tennis player male or female since the introduction of the Open Era in and is second all-time behind Margaret Court In , she became the first and only tennis player male or female to achieve the Golden Slam by winning all four Grand Slam singles titles and the Olympic gold medal in the same calendar year, furthermore, she is the only tennis player to have won each Grand Slam event at least 4 times. Graf was ranked World No. She won singles titles, which ranks her third on the WTA's all-time list after Martina Navratilova titles and Chris Evert titles. She and Margaret Court are the only players, male or female, to win 3 grand slams in a calendar year 5 times , , , and
There's an Andre Agassi video sweeping the Internet today after auctioning off a racy picture of his wife, fellow tennis legend Steffi Graf. The tennis great was in Japan, helping to host a charity auction earlier this week. He was holding up an autographed plate, and apparently, the bidding was not going as well as he would have hoped. Needless to say, the bidding immediately spiked and the winner seemed incredibly satisfied with the picture on Agassi's phone. This isn't the first time Agassi has been in the news for something strange in recent years; last March, he got into fight with tennis legend Pete Sampras during a charity event, and had admitted to rampant drug use in the early s. However, the sudden decision to show a complete stranger a nude picture of his wife, who was one of sport's hottest women at the height of her powers, is a completely different level of odd. What makes it even stranger and stupider is the fact that Graf probably had no idea he was going to do that.
Advanced search. Steffi Graf nude. Birth place: Mannheim, West Germany. Your vote:. User rating:. Rank: Weighted vote: 3. Are there any nude pictures of Steffi Graf?


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At the end of 2017 the Boris and Ināra Teterev foundation concluded a four-year cooperation with Global Fairness Initiative to implement a program in Guinea-Bissau farming communities. The Guinea-Bissau Livelihood Initiative (GBLI) aimed to break the current poverty cycle affecting small holder producers and improve livelihood through support of government priorities on economic growth and poverty reduction with a focus on agricultural production, market access, and regulatory improvement for the farming sector.
Prior to commencing the project, key activities were selected as part of an intervention packet that included modern horticulture techniques. Among these were the introduction of a drip irrigation system, production of compost & natural pesticides, modern rice production techniques, trainings on farming as a business & financial literacy, addressing gender issues, human and financial resources management, the microloan program, and the community store program. GFI implemented GBLI alongside two farming associations that represent GBLI’s beneficiary communities. APALCOF – a women’s farming collective of more than 3,500 smallholder producers – was supported on multiple initiatives aimed at strengthening the capacity of the association and its members to access markets, advocate for their rights and interests, and improve their livelihoods. GBLI also engaged ANAG – Guinea Bissau’s national farming association of more than 100,000 members – to strengthen its organizational capacity and support the economic and social development of its members.
More than 3,500 households have directly and indirectly benefited from the program.
GFI supported dry season rice production with a fund to support motor pumps, fertilizer, and gas. GBLI’s 8 demonstration sites were developed in 8 communities and showcased new technologies and production methods including drip irrigation, crop spacing, organic fertilization methods, and crop diversification, all of which led to improved diets for beneficiaries and increased market opportunities. Furthermore, 13 seed varieties were introduced on the demonstration sites and later in the beneficiary communities’ personal farms. Overall, beneficiary farmers experienced a 30% increase in production, and in many cases production doubled or quadrupled. The impacts of the financial literacy and farming as business trainings reached over 120 families in the community, totaling nearly 1,000 individuals. Finally, over 10,000,000 XOF were distributed to 202 projects to expand plot and production size, purchase livestock to breed, purchase raw produce from the market to cook and sell for a profit in the village, and pay people to work their land to increase production.
Additionally, GBLI supported APALCOF in opening a community store, expanding their micro credit program, and offering new trainings and services to their members. These efforts led more people in the region to engage with the association, resulting in expanded participation in Bafata and Gabu.
Nearly 2,700 individuals have been trained across 9 villages on gender equality and equity, domestic violence, nutritional health, female leadership, decision-making in communities, and women’s access to and ownership of land. Communities have reported the following as a result of these trainings: for the first time, men are working alongside women in agricultural fields; men are supporting women with household chores and with the children, also for the first time; domestic violence has been reduced in the targeted communities and gender trainers are called to mediate when disputes arise; and more young girls are attending school (in some communities, the increase is upwards of 50%).
Get to know more about the project from "The Guinea-Bissau Livelihood Initiative (GBLI) Newsletter".


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Re: Denied Auto Loan- 4 yrs after bankruptcy
09-26-2007 08:44 PM
My husband and I went through bankruptcy in 2002 and we have since financed two vehicles through Capital One Auto Loan. We applied online and got an answer within a minute or two. We have been very happy with the whole process of applying and buying through Capital One. They send you a "blank check" so you can negotiate with the dealer and we have saved several thousand dollars on our two vehicles because we held the upper hand with the dealership. Both times, the dealership was sure that they could give us a better rate than Capital One, and both times they came back and actually said they could not. We were very surprised at that. Now our Capital One CC is a totally different story......


On this episode of Manga Mavericks, after being delayed for three weeks, its finally time to talk some My Hero Academia! Colton and Lum discuss their experiences seeing My Hero Academia: Two Heroes in theaters, with Maxy Barnard of Friendship Effort Victory listening and becoming increasing jealous of the American cinema and their giant pretzels and nostalgic throwback screenings. Other topics of discussion include our thoughts on the All Might Rising prequel chapter, the blatant movie advertisement that is Episode 58 of the anime, as well as our thoughts on the English dub of the anime. Enjoy!
Enjoy the show, and follow us on twitter at @manga_mavericks, on tumblr at mangamavericks.tumblr.com, and now on Youtube! You can also follow the hosts at @sniperking323 and @lumranmayasha. If you’d like to help support the show financially you can donate to Colton’s Ko-fi here and LumRanmaYasha’s Ko-fi here. Don’t forget to also like and subscribe to us on Youtube and iTunes and leave us reviews to help us curate the show and create better content! We take your suggestions and feedback very seriously and want to figure out more ways to reach out and interact with you guys, so please leave some responses!


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Programmatic advertising, like every other industry, has not been immune to the negative effects of the current pandemic. As countries around the world were locking down their economies in the beginning of Q2, brands frantically cut marketing spend and media budgets. Programmatic media, which traditionally has been dominated by lower-funnel performance-based campaigns, were the first to get cut, especially in industries such as travel and hospitality. IAB’s recent survey of media buyers highlighted that 24% of brands have paused all ad spend for Q2 and that digital ad spend was down 38% in March and April. As a result many, ad tech businesses have seen sharp declines in their media revenues.
Facebook and Google have also not been able to resist slowdowns – Facebook’s ad revenue for the first three weeks in April has been flat compared to the same period one year ago, down from the 17% growth rate they had in Q1. Google’s YouTube’s ad revenue growth in April has slowed to single digits from 33% in Q1, despite consumption growing 15% during the pandemic.
While performance- and conversion-driven advertising has taken a hit, there has been another form of marketing that has been thriving: brands building long-form trust with their audiences through tone-sensitive messaging, positive brand association and social good initiatives. However, most of this advertising has been taking place within the social walled gardens of Facebook. Brands see social as an always-on channel compared to programmatic media. So, while media spend takes a pause, they continue to promote timely and thoughtful content for their social media channels. Whether it is BMW asking their car-loving followers to stay home instead of driving, or Nivea offering free phone calls to loved ones, the most creative pandemic-friendly content is only being driven on social – mostly through the brands’ organic channels.
The smart play
The opportunity for programmatic agencies and media planners is to capitalize on this content that already exists on social and extend it to the open web by repurposing the same creative.
The pandemic has brought unique challenges to creative agencies, even compared to past recessions. The options to travel, develop and produce content are limited and, moreover, campaigns have gotten shorter given the unpredictability of lockdowns. Many advertisers continue to pause or reduce spend on the web due to the lack of display creative being available during the pandemic. Social channels that allow brands to be agile, dynamic and responsive with creative are seeing more spend versus channels where creative is static and fixed.
Programmatic already solves a major pain-point against traditional digital media by automating buying workflows. While resource-constrained teams will be tempted to shift budgets and gain efficiencies of programmatic, access to quality creatives can still be a huge hurdle. That is why the ability to repurpose creative is more relevant than ever right now.
Savvy marketeers and brands have already been capitalizing on social creatives and have seen success. In the last two months, Polar’s platform has seen globally hundreds of campaigns amplifying brands’ marketing messages on social and designed specifically for the Covid-19 crisis. The use-cases we have seen include positive brand associations, public health promotions, local business promotions, and many others. Users who are hungry for positive content are increasingly looking up to brands for leadership and engaging with the creatives. As a result, Polar’s programmatic business has grown over 200% since the world and the economy went into lockdown.
IPG’s Matterkind unit was one the first to offer Polar’s social ads at scale late last year. With Polar, they have since activated campaigns for over 100 clients in 15 markets globally, despite the current climate.
Advertisers must be present on social media during the pandemic and as a result, are building creative first (and often, only) for channels like Facebook and Instagram. Technology can enable publishers and agencies to easily convert social creative to run on the web. In the past year, over 3,000 advertisers have run over one billion social ads on the web with our publisher and agency clients.
The incredible growth we have seen from our clients focused on programmatic workflows over the past two months is a result of two trends coming together: automated buying workflows and the capability to repurpose beautiful creative.
The programmatic advertising landscape was already going through a mini turmoil, even before the physical world was hit by the current pandemic. It was only three months ago, in January, when Google announced that they were going to end third-party cookie support in Chrome, putting a two-year timeline of uncertainty on the entire industry. While there are many in the industry scrambling to find alternate privacy-preserving ways of targeting, perhaps the focus needs to shift from finding the right audience to finding the right messaging that resonates for all.
The future of programmatic is not all doom and gloom. The pandemic can be an opportunity to bring the limelight back to the creative, focus on execution efficiency, and prove the value of thoughtful messaging not only in social but also on publisher sites across the open web. Media agencies who are agile to adopt this new approach will see growth that will last way beyond the pandemic.
The correct approach for programmatic marketing in a post-cookie and post-Covid-19 world is actually the same: high quality and thoughtful creative that drive both trust and conversions.
This article is available in our latest edition that covers everything you need to know about Programmatic advertising here.


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If it’s voice as a narrative tool that you’re after, there aren’t many better contemporary practitioners than Jill Dawson. Over nine previous novels, although distinct and varied in subject, certain preferences have emerged in several of them: an historical setting; a protagonist drawn from reality; and a distinctive narrative voice that flavours the story while relating it. Fred & Edie(2000) and Lucky Bunny (2011) are particular favourites of mine, while Dawson has also shown (in 2006’s Watch Me Disappear) that she can ignore all the above preferences and still produce something exceptional: in that case, a bold study of childhood sexuality.
Dawson’s new novel The Bewitching is her most historical yet, being set from 1589–91 in her usual stamping ground of Cambridgeshire. The subject matter is witchcraft and the suspicion of it, told to us by Martha, the deaf young maid of a household. She is one of Dawson’s more plain-spoken narrators, to be sure, but the language remains vivid (a bat is “like a bundle of knitted twigs in your hand”) and the characters full.
The action and suspicion begins with a girl, Jane, suffering from fits, which Doctor Butler — an expert in “the ways in which women’s bodies and spirits affect their already weak chamber of wisdom” — assures them are not due to “frenzy of the womb”.
Jane has an explanation of her own, but nobody is interested in that when there’s sorcery afoot, or at least someone local they can blame for it. That someone is Alice Samuel, a “low-bred, rude and loud” old woman who provides the perfect scapegoat. And the fingers may not be satisfied with pointing only at her.
The general trend of the plot may not surprise (three of the sections of the novel are titled The Accusation, The Confession and The Trial) but Dawson keeps things interesting. Of course, a story about false suspicions, conspiracy theories and trial by gossip is not so much timely as timeless, and what we end up with is a superior example of solid literary fiction, that oft-derided genre. Dawson’s ability to maintain an interesting voice and tell a story at the same time is a lesson to any novelist. She shows that, contrary to Batuman’s belief, it doesn’t have to be either/or.


In today’s hectic electronic landscape, staying ahead of the competitors is no more simply an objective; it’s a necessity. Organizations are frequently searching for the next game-changing remedy that can simplify procedures, boost productivity and supercharge their advertising and marketing initiatives. GoHighLevel Hosting
Picture having all your necessary advertising and company monitoring devices seamlessly integrated right into a single, intuitive platform. Picture effortlessly automating your advertising projects, nurturing leads, handling your client connections, and also monitoring your organization’s efficiency– all from one main center. GoHighLevel uses this and also much more, and in this post, we’ll take you on a trip with the extraordinary globe of GoHighLevel.
What Is GoHighLevel?
GoHighLevel is a CRM platform that offers a collection of time-saving advertising automation attributes. These include e-mail marketing automation, automated pipeline process, appointment scheduling and SMS messaging. The system likewise integrates with Google Reviews, enabling clients to easily manage and boost their on the internet reputation. It is created for advertising and marketing agencies and also allows them to handle their clients’ whole marketing operations from one solitary dashboard.
The system also enables customers to schedule consultations, send out text messages and also share and also develop touchdown web pages. The company additionally provides a free trial period. GoHighLevel Hosting
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The platform can be used to track and analyze sales data. It can track the efficiency of your Facebook and Google advertisements, as well as the sales data from your leads. It can also automatically send result in a sales pipeline as well as automate the follow-up procedure. It can also track the variety of calls made to a certain service and also show the details in an on-line report.
It likewise offers a method to correspond with leads and clients by sending them e-mails, SMS messages and telephone call. Its centralized dashboard lets individuals track all their communications in real-time. Customers can also send a video or file to a customer. It additionally helps them track essential feedback requests, and also it enables them to automate tags and also pointers for appointments. GoHighLevel Hosting
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Website-Building GoHighLevel Hosting
GoHighLevel is a website-building system that uses a large range of adjustable templates for organization web sites. The system additionally has an integrated CRM system that can capture contact details from visitors who fill out a form on the internet site. This allows companies to follow up with potential customers as well as convert them right into clients. GoHighLevel Hosting
The platform additionally has a drag-and-drop functionality that makes it simple to create professional sites without any kind of prior coding experience. They can likewise add personalized code for advanced personalization.
It can additionally offer information regarding the number of rivals for a particular key words. This device can be specifically valuable for businesses that are brand-new to on-line advertising and marketing. GoHighLevel Hosting
The system also permits organizations to track their sales and efficiency. It likewise offers a large range of settlement approaches.
Its advertising automation attributes are likewise useful for businesses that want to raise their lead volume and sales. As an example, it can track the habits of prospects on an internet site and then send them pertinent material and emails. It can also record brand-new leads through a form on the website or by a pop-up window. GoHighLevel Hosting
By utilizing GoHighLevel Pictures, you can construct and supply a total marketing system for your clients. You can then charge a regular monthly charge as well as get repeating earnings. This is a lucrative way to produce a month-to-month revenue and also calls for no ongoing job. This approach is particularly suitable for service-based markets, such as beauty salons and also advertising and marketing firms.
It additionally has a variety of visual elements to boost your campaign’s appeal. You can also include an RSS feed to your e-mails, which will send out curated web content to your get in touches with.
This CRM system likewise permits you to set up different automations that will certainly send emails or SMS as well as carry out jobs in the system depending upon a variety of different activities. This makes it a whole lot less complicated to automate your customer follow-ups, which can be a real time saver. It also incorporates with phone call tracking to allow you to track the results of your marketing campaigns. GoHighLevel Hosting
An additional feature of GoHighLevel is its ability to produce fully useful internet sites. This is especially beneficial for marketing companies, which can make use of the software program to construct websites and advertising and marketing funnels for several clients. It also enables individuals to establish computerized e-mail as well as SMS reminders for reservations and also appointments, as well as integrates with invoicing tools to automate repayments.
Unlike other CRM platforms, GoHighLevel has no restriction on the variety of clients you can add to your account. This suggests you can take care of all your client’s accounts in one location without needing to pay a month-to-month fee for each and every extra account. This function is particularly beneficial for advertising firms, as it can assist you expand your persisting profits.
The website builder in Go High Level is straightforward to use as well as is really similar to ClickFunnels. It uses a page editor that can be broadened to consist of any type of variety of rows and columns. It likewise consists of a variety of features as well as widgets to improve your website’s performance, including a live chat. GoHighLevel Hosting
An additional awesome feature of Go High Level is the ability to automate Facebook Carrier ads. This is an unique feature that a lot of its rivals do not use. It additionally has an integrated reputation monitoring attribute that can be utilized to generate testimonials and responses from consumers.
The system offers a large variety of tools that make it easy to construct a durable online marketing system. It likewise has a comprehensive analytics include that allows online marketers track lead resources and conversions. GoHighLevel Hosting
This allows individuals to include their very own branding as well as logos, as well as set up limitless clients for one cost. In enhancement, they can create custom-made food selections for their customers to regulate what attributes they want them to have access to.
Go High Level is a terrific device for companies in the affiliate freelance, advertising as well as dropshipping advertising fields. In addition to the basic functions, it consists of an inbuilt appointment booking device and also a social networks management application that can help marketing experts handle their company much more successfully. It additionally permits marketers to customize an email and also produce layout in mins utilizing drag-and-drop innovation. GoHighLevel Hosting
Another vital feature is the system’s automation workflow function, which permits marketing experts to produce automatic campaigns that adhere to certain sequences of events. This enables marketing professionals to immediately send out emails, SMS messages as well as also ringless voicemails. When managing a huge number of calls or when transferring account choices between customer accounts, this can be useful.
With this software program, marketing experts can additionally conveniently handle their pipelines and also sales funnels. They can use the software program to monitor their progression, recognize bottlenecks and figure out which networks are functioning best. This info can be made use of to improve project strategies and drive even more leads. GoHighLevel Hosting
The software program allows marketing experts to tailor their web site as well as landing web pages with unique Links as well as templates. In addition, the system also enables them to collect repayments online with Stripe.


Mexican President Andres Manuel Lopez Obrador on Thursday urged domestic investors to snap up the consumer banking arm of Citigroup in his country after it went on sale this week.
“We can turn it into something very good, if, without authoritarian measures, it’s possible to Mexicanize this bank,” Lopez Obrador said in a video address from his office, where he is recovering from a COVID-19 infection.
Citigroup said on Tuesday it would sell its Citibanamex consumer banking operations, ending a two-decade retail presence in Mexico. Still commonly known as Banamex, the bank Citi bought in 2001 has long been a fixture on Mexican high streets.
Mexico’s Finance Minister Rogelio Ramirez de la O said on Wednesday the government had “no bias” on whether foreign and domestic bidders went for the Citi assets, though Lopez Obrador made clear he hoped they would be bought by Mexicans.
The president welcomed that Mexican tycoon Ricardo Salinas had signaled interest, then said other prominent business figures, including billionaire Carlos Slim of Grupo Financiero Inbursa, Carlos Hank Gonzalez, chairman of the board of Grupo Financiero Banorte, and entrepreneur Javier Garza Calderon, could also be bidders.
Citibanamex currently has the second-biggest retail deposits in Mexico, just ahead of Banorte, the largest Mexican-owned lender, according to research by Credit Suisse.
Lopez Obrador stated that bidding for the Citi assets was not closed to foreign investors. But he underlined that “we would like this bank to become Mexican.” The president said foreign shareholders tended not to reinvest in the country.
The Yucatan Times
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Jim Leyland Rolls out B-Squad for Finale Against Orioles
By John Parent
It’s an annual rite of being a Tigers fan to second-guess the lineups that Jim Leyland runs out there. Leyland is famous (or infamous, rather) for his “Sunday Lineups” in which he gives regular guys a day off for seemingly no good reason. Tonight, he’s gotten into the swing of things on a Thursday instead.
There will be no Brandon Inge, no Magglio Ordonez, and no Jhonny Peralta to back starter Brad Penny this evening. In their stead, the Tigers will employ Don Kelly, Brennan Boesch, and Ramon Santiago. Or maybe it’s that Ryan Raburn is replacing Ordonez since Boesch has seen much more action this year than Raburn has. Either way, both are in the lineup tonight.
Leyland did make one wise move in keeping Alex Avila in the lineup after previously saying that Victor Martinez would likely catch tonight’s game. Avila all but assured his playing time today with his great game last night.
Typically, Leyland likes to get all of his players at least one start within the season’s first week. Casper Wells, who made his debut last night as a pinch-runner for Ordonez, still hasn’t gotten into the starting lineup and it doesn’t look like he will anytime soon, as the Tigers home opener tomorrow will feature their regular lineup for certain. I am a bit surprised that Wells didn’t get the call tonight, as Austin Jackson has been struggling a bit early on. Leyland may just be trying to get him going by leaving him out there, however.
The batting order is after the jump.
- CF Austin Jackson
- 2B Will Rhymes
- RF Brennan Boesch
- 1B Miguel Cabrera
- DH Victor Martinez
- 3B Don Kelly
- LF Ryan Raburn
- C Alex Avila
- SS Ramon Santiago
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These 8 Pancakes and Waffles Are Keto-Approved, So . . . Breakfast, Anyone?
As POPSUGAR editors, we independently select and write about stuff we love and think you'll like too. If you buy a product we have recommended, we may receive affiliate commission, which in turn supports our work.
If you're on the keto diet, breakfast is one of the toughest meals to restructure, but it is possible. One of our favorite breakfast and brunch staples is pancakes, for obvious reasons. Namely, they're delicious. When you're trying to put together your keto eating plan, grains are pretty off-limits, and since keto relies on a principle of low carbs and high fat and protein, it would come as no shock that pancakes and waffles would have to be cleansed from your diet. But we found eight pancake mixes on Amazon that are keto-approved. Yay!
Whether you like your pancakes plain or stuffed with chocolate chips, there's a mix in here your taste buds will swoon over. If you prefer crispy waffles, that's possible too! Just keep reading to shop our picks. Breakfast will never be the same.


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What a year we had last year. Have you noticed a negative impact on your mental health in 2020?
When we look back over the last year there are a lot of people talking about 2021 with excitement because we are hoping that the next year will be better than the year before. But what if you are not ok?
Oftentimes conversations about mental health can seem taboo but as your life has changed and the life of your family has changed over the last year, the impact on your mental health may be greater than you realize.
Where is your heart at? Are you ok? Is your family ok? (Because as our lives and patterns have changed, our kids patterns and lives have changed also.)
Isolation and a lack of physical contact can have a severe impact on your mental health. Here are a few things that we need to be checking in on for ourselves and in our families so that we can spot a problem.
Are we becoming more anxious?
We can see this in our children in their inability to not sit still, moving around a lot, unable to concentrate. Are you feeling over anxious and having trouble focusing on work or your family? We are all eager to turn the page into 2021 but, like it or not, we have to be willing to check in on the state of our mental health. Because if our bodies have been re-wired around anxiety or fear, we are carrying that with us.
Are we noticing increased sadness or irritability?
Are our kids having big emotional outbursts without being able to calm back down? Are you or your whole family walking around irritable with each other without a reason? Are you experiencing sadness that is seemingly without reason? If you have noticed any of these this is a good time to check in emotionally.
Are we having extreme mood swings?
One minute everything is fine and you walk away and come back and it is like there is a different person standing in front of you. Did the anxiety level go up? Did the irritability, anger or sadness levels change from one minute to the next? These are big signs that it may be time to sit and check in with someone.
Are we withdrawing from social interactions?
Obviously, the ability to go out and about has decreased this year and that has taken it’s toll on everyone’s mental health. But what about further isolation? Are we withdrawing even from those close to us that live in the same house as us? Have you noticed that you don’t want to talk on the phone, zoom or even text back? Are you engaging more in your electronic world than you are in the real world? These are all signs that you may need to do a mental health check.
Are you seeing sleep pattern changes?
Are your kids sleeping for longer periods of time even without the same level of physical stimulation and activity? This is something we have been hearing a lot from parents and it is a big red flag, especially for children, that there may be something deeper going on.
Now that we have evaluated, how do we move forward?
All we need to do if we notice one of these signs is sit down and have a talk. Start with, “Hey, I’ve been noticing some of these signs in you that you may not be ok and I have been struggling with them too. Do you want to talk about it?” And use this as a way to talk it out and come up with some solutions.
We need to especially make sure we are connecting with our kids.
Obviously, not everything can just disappear that easily but humans are made to connect to each other physically, mentally and emotionally and you may be amazed at how just setting aside some time to talk can benefit the whole family!
If we are living in fear, anxiety and stress you will start to notice physiological signs that will begin to affect you in other ways.
We will begin to gain weight, our blood pressure will go up, our sleep patterns will change…our body always responds physically to what is going on mentally.
I know and I can see so many people around me that have been challenged this year like never before. So we are challenging ourselves also to make sure we are checking in with people in our community. We want to know if you are ok. How is your mental health and the health of your kids? Let’s all do a proper check-in with each other going into the new year and let’s all talk about it if we need to.
It is time to bridge the gap of anxiety and fear and make sure mentally we are in a better place.

domain: psychology


With the purchase of the Villas at West Road, TruAmerica added a third Houston property to their portfolio and 11th in the state, all in the last 18 months. With the addition of the 240-unit community, the Texas portfolio now accounts for 3,300 units.
“Suburban Houston’s impressive population growth and the community’s quality location between The Woodlands and the Energy Corridor are big reasons why it held such major appeal for us,” said TruAmerican’s Ammanuel Metta.
Completed in 2006, Villas at West Road will see a comprehensive capital improvement program. TruAmerica plans to upgrade the property with the installation of new quartz countertops, stainless steel appliances and upgraded fixtures.
Los Angeles-based TruAmerica recently opened a regional headquarters in Dallas, with Metta in charge.
Mike covers our Texas and Phoenix/Southwest regions. He is a veteran news reporter who spent 10 years in radio and television news, mostly in Tucson, Arizona. Following his career in the media, he spent ten years as a communications executive for a publicly traded development company. Mike is married with three boys and three Huskies.
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In good news for the residents living in New York, the authorities declared Diwali as a school holiday. The decision was taken considering more than 2 lakh residents of New York, who celebrate Diwali. "This is a city that’s continuously changing, continuously welcoming communities from all over the world," said Eric Adam, the Mayor of New York, USA. Furthermore, in 2023, Diwali will be celebrated on November 14.
Courtesy: Hindustan Times

domain: geography