text:
Fly Ash is a supplementary cementitious material (because of its pozzolanic character) for cement concrete. It is widely available and technically highly useful product. The cement contents, Fly Ash Concrete are more durable; actually durability level of Fly Ash Concretes can not de achieved in cement concretes. These aspects, besides, various benefits of usage of fly ash in cement concrete are discussed in this paper. It is concluded, based on the available information, that there is no need for any apprehension for use of fly ash and the Fly Ash Concretes are more eco-friendly and hence ‘greener’, due to their reduced energy contents, higher efficient use of Portland cement, lower cost per unit volume, and longer period of service life.
The current rapid development in India has created a large demand for construction for years to come, requiring increased production of cast-in-place concrete and concrete products. These will be essential to major infrastructure construction projects such as transportation (roads, bridges, airports), water distribution (embankments and water channels), energy development (nuclear power generation), and for buildings in general. Typically, conventional concrete is made of fine and coarse aggregates, water, Portland cement and chemical admixtures. Portland cement based composites have high potential for strength which are not utilized gainfully in the actual practice. Moreover, it has been conceded that the concrete is the largest man-made material of construction. To make the concrete more eco-friendly, its energy content should be reduced, its long-term durability superior and the ingredients environment-friendly. Therefore, it is essential to introduce new technologies and practices for alternative cement and concrete compositions in order to curtail the rising environmental problems caused by increased Portland cement production. Furthermore, these new technologies will slow down the depletion of raw material (mainly limestone) used for cement production. All these objectives can be easily achieved if the fly ash is used appropriately to partially replace Portland cement in concretes.
2.0. NECESSITY TO MAKE CONCRETE ECO-FRIENDLY
2.1. Under utilization
Concrete industry in the world is the largest consumer of natural resources, such as rock and sand (8 billion tones), and also one of the largest consumer of water (600 to 700 billion gallons). Cement forming binder of the concrete has very high energy content (1.3 kwH/kg) and its usage in concrete has to be as less as possible so that the final energy content of concrete is less. Portland cement being a very high-tech material can produce strength up to 800 MPa as against the conventional strength levels of about 30 to 60 MPa in construction. Thus, Portland cement is grossly under-utilized in normal constructions. Current Scenario
The cement industry is the India’s second highest payer of Central excise and major contributor to GDP. With infrastructure development growing and the housing sector booming, the demand for cement is likely to increase. The industry is extremely energy intensive - after thermal power plants and the iron and steel sector, the Indian cement industry is the third largest user of coal in the country. In 2003-04, 11,400 million kWh of power was consumed by the Indian cement industry. India is the second largest producer of cement in the world. In 2003, India produced 115 million metric tons (Mt) of cement, behind China (750 Mt), but ahead of the U.S. (93 Mt) and Japan (72 Mt). India’s cement industry – both installed capacity and actual production – has grown significantly over the past three decades, with production increasing at an average rate of 8.1% per year between 1981 and 2003. 2.2. Environmental Impacts of Cement production
Producing one tonne of cement requires about 2 tonnes of raw materials (shale and limestone) and releases approximately 1 tonne of CO2,...
References: 1. Annie J Peter, M. Neelamegam, J. K. Dattatreya, N. P. Rajamane and S. Gopalakrishnan, [Feb,1998], Utilisation of Fly ash as Cement Replacement Material to Produce High Performance Concrete, Proceeding of the National Seminar on Fly ash Utilisation for Metallurgical Laboratory, Jamshedpur, India.
2. BIS, Handbook on Concrete Mixes (Based on Indian Standards), Bureau of Indian Standards (BIS) Value Added Products, New Delhi.
3. Gopalakrishnan, S., Rajamane, N. P., Dattatreya, J. K., Neelamegam, M, and Annie Peter, J, [May, 2001], Effect of partial replacement of cement with fly ash on the strength and durability of HPC, The Indian Concrete Journal.
4. N. P. Rajamane, Scientist, Making Concrete 'Green ' Through Use of Fly Ash, Concrete Composites Laboratory Structural Engineering Research Centre, CSIR,Chennai.
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domain: literature


Optics remain a major focus of innovation, with new models boasting technological enhancements never before seen on consumer products, or tech that used to be available only for those able to fork over pallets of cash. The rapid acceptance of dot sights for carry handguns might be the biggest area of advancement for optics, but traditional scopes, carbine sights and thermal devices have also seen significant improvements and expansion this year. This roundup is sure to include an optic for your newest firearm purchase, or for that gun you’ve left naked. Whether you’re looking to outfit a rifle, pistol or shotgun for home defense, competition or just for fun at the range, and regardless of your budget, there’s something here for you.
Aimpoint | Acro P-1 Aimpoint’s new Acro is a departure from the norm for micro-reflex sights. A fully enclosed optic, it has been tested to 20,000 rounds on a .40 S&W-caliber handgun slide. Proven to stand up to extreme abuse, it is smaller than it looks and is a solid choice for an everyday-carry-pistol optic.
Burris | RT-8 Available in front-, rear- and dual-focal-plane models, the latest entry to the RT line combines fast target acquisition at close and intermediate ranges with 8X magnification and 600 yards of trajectory compensation. Three illuminated-reticle modes allow shooters to adapt to changing shooting conditions on the fly.
Magnification: 1-8X Objective Lens Diameter: 24 mm Reticle: Ballistic AR, Ballistic Circle Dot, Ballistic CQ Mil Length: 9.8 - 10.3 inches Weight: 17.4 ounces MSRP: $399 (888) 440-0244; burrisoptics.com
Bushnell | SMRS II PRO Using an all-new CQ-BDC reticle, the latest design in the Bushnell LPVO lineup provides an ideal optical pairing for today’s modern sporting rifles, allowing for easy shooting at close and mid ranges. Features include Bushnell’s EXO Barrier protective coating and a ThrowHammer lever.
Crimson Trace | CTS-1400 A highlight of Crimson Trace’s new full line of optics, the CTS-1400 is designed for use on carbines and shotguns. It is rugged, minimalist and comes with the company’s signature free “Batteries for Life” program. The 3.25-MOA red dot has 10 levels of brightness, and it mounts to a standard Picatinny rail.
EOTech | Vudu 1-8x24 mm SFP With an illuminated, .5-MOA center red dot and magnification up to 8X, EOTech’s Vudu 1-8x24 mm SFP scope represents the “do-it-all” category pretty well. Close work is covered by the dot, while subtensions provide long-range aiming points.
FLIR | Scion The Scion is a thermal monocular ruggedly built for use in harsh environments. It quickly detects objects of interest in low-visibility conditions, helping keep you aware when others won’t be. A built-in microSD card slot allows capture of high-quality images.
Magnification: Digital zoom; 1X, 2X, 4X, 8X Objective Lens Diameter: 14 mm, 18 mm or 25 mm Reticle: None Length: 9 inches Weight: 16 ounces MSRP: Starting at $2,495 (888) 959-2259; flir.com
German Precision Optics | Passion 4X 6-24x50 mm Built on 30 mm aluminum tubes, the Passion 4X offers an excellent range of adjustment, a custom MOA ballistic reticle and custom Kenton turret for your caliber of choice. Ideal for long-range shooting, this riflescope features double HD glass and the propriety GPObright lens-coating technology.
Hi-Lux Optics | Leatherwood ART M1000-PRO In honor of the 50th anniversary of Jim Leatherwood’s legendary Automatic Ranging Trajectory (ART) scope, Hi-Lux has redesigned its ART M1000-PRO. The ART system’s general cam has been refined and improved in order to compensate the bullet drop of almost any caliber.
Holosun | HE509T Based on the company’s popular HS507C, the latest Holosun red-dot optic features a fully enclosed frame that enhances durability while also providing a clear sight picture. A single CR1632 battery powers the HE509T for up to 5 years, and the Advanced Solar Fail-Safe can run the unit indefinitely.
Kahles | Helia RD Redesigned to help achieve an intuitive shot, the Helia RD features a unique “Anti-Reflexion” coating for clear visibility and a precise 2-MOA dot. It also comes with a Picatinny mount and four manual illumination settings with intelligent automatic switch-off.
Leupold | Freedom RDS BDC Leupold’s newest red-dot sight sports a 1-MOA dot, a 34 mm main tube and an included mount specifically designed for use on modern sporting rifles. This purpose-built optic carries the nearly indestructible Leupold DNA throughout its construction.
Lucid | Litl Mo Micro-red-dot sights (MRDS) for pistols are all the rage these days, and Lucid’s Litl Mo is an affordable option for those wishing to put a dot on their defensive handgun. Using the same footprint as the Burris FastFire MRDS, the Litl Mo will find a home on a good number of pre-cut slides.
Meopta | Optika6 5-30x56 mm Part of the new Optika6 line, the 5-30x56 mm model features a 34 mm tube and ED glass, which, at higher magnification, eliminates chromatic aberration. It also features target turrets, multiple reticle options, one-piece tube design, zero-reset, a throw-lever-equipped zoom ring and rear-facing zoom display for easy viewing.
Magnification: 5-30X Objective Lens Diameter: 56 mm Reticle: Multiple options, including Illuminated and DichroTech Length: 14.3 inches Weight: 25.8 ounces MSRP: $899.95 (800) 828-8928; meoptasportsoptics.com
Meprolight | Foresight The first augmented reflex sight on the market, the Foresight displays a reticle and useful data on a heads-up display similar to that found in military aircraft. Five reticle choices, a compass and a leveler can all be seen and used intuitively, and a light sensor automatically adjusts brightness.
Minox | Micro RV 1 LED Technology leads the way for the Micro RV 1 with a battery life at medium brightness of up to 50,000 hours. Consisting of a high-strength aluminum housing, it is fully waterproof and comes with a neoprene protective cover. It also features 12 brightness levels.
NcStar | VDFLIPGLOM2 Featuring the patented FlipDot folding red-dot reflex lens, the VDFLIPGLOM2 flips up with a simple push of a button, which automatically turns the optic on. When not in use, the lens will fold down flat and turn off. It also includes mounts for Glock MOS pistols.
Nightforce | ATACR 7-35x56 mm F2 New for 2019 is a second-focal-plane version of the extreme-long-range 7-35X scope Nightforce has offered in a first-focal-plane variant. Other than the focal plane, the ATACR 7-35X scope retains the same bombproof construction, large field-of-view and reproducible precision you’d expect in a Nightforce optic.
Riton Optics | RT-S Mod 7 1-8x28IR-T Riton Optics designed the RT-S Mod 7 in conjunction with Navy SEAL sniper Charlie Melton. The scope features a first-focal-plane, illuminated reticle and a true 1X low-end, similar to a red-dot-style sight. It is waterproof, fogproof and shockproof.
Schmidt & Bender | 1-8x24 PM II ShortDot Dual CC Incorporating a first-focal-plane, mil-dot-based reticle for accurate ranging and compensation for hold-offs, hold-under and hold-over, the 1-8x24 PM II ShortDot Dual CC is a technically advanced day scope. Offering adjustable-intensity illumination as well as lockable elevation and windage turrets, the PM II ShortDot is a versatile optic.
Sightmark | Wraith HD 4-32x50 Digital Riflescope Digital magnification out to 32X, 10 different reticle options with nine different colors and night-vision capability along with an IR illuminator are a few high points of the Sightmark Wraith digital riflescope. It runs on 4 AA batteries and can record and export video.
Sightron | S-TAC4-20X50FFPZSIRMH Designed for diverse tasks, the S-TAC4-20X50FFPZSIRMH features the new MH-4 reticle offering vertical and horizontal crosshair intersection. It also includes a zero stop, 22.9 MRAD of elevation adjustment, the ExacTrack windage- and elevation-adjustment system, multi-coated lenses and a flip-up lever on the magnification ring.
SIG Sauer | Romeo3MAX Developed in collaboration with Max Michel, the Romeo3MAX features a 30 mm round lens for a wide field-of-view. The open reflex sight utilizes a red-notch filter to make its red dot clear and easy to acquire. It features motion activation and up to 20,000 hours of runtime.
Magnificaiton: 1X Objective Lens Dimensions: 24x30 mm Reticle: 3- or 6-MOA red dot Length: 2.1 inches Weight: 1.5 ounces MSRP: $719.99 (603) 610-3000; sigsauer.com
Steiner | DRS 1X In addition to three reticle modes, Steiner’s new Defendu Reflex Sight features auto brightness and seven illumination levels to aid shooters in selecting the ideal setting for day or night use. Though it’s capable of running on a single AA battery, two AAs provide a runtime of over 2,000 hours.
Magnification: 1X Objective Lens Dimensions: 24.5x32 mm Reticle: Single Dot, Dot and Stadia, Dot, Stadia and Close Dot Length: 2.57 inches Weight: 10.4 ounces MSRP: $749.99 (888) 550-6255; steiner-optics.com
Tract | Toric UHD 30 mm 4-20x50 FFP MRAD PRS Improved to fit the requirements of PRS shooting, the new Toric 4-20x50 has an MRAD PRS reticle with a long-range “Christmas Tree-style” reticle sporting a .04-mil floating center dot and .2-mil windage correction holds. Schott HT glass provides outstanding resolution.
Trijicon | SRO Trijicon’s new SRO (Specialized Reflex Optic) is designed for competitive handgunners. Its large, parallax-free window makes it easy to find and track the dot. The sight uses the same mounting footprint as the RMR, and offers a top-loading battery compartment.
Magnification: 1X Objective Lens Dimensions: 25x22.5 mm Reticle: 1-, 2.5- or 5-MOA red dot Length: 2.2 inches Weight: 1.6 ounces MSRP: $749 (800) 338-0563; trijicon.com
Vortex | Diamondback Tactical A first-focal-plane optic for $500? The EBR-2C reticle is ideal for maintaining elevation and/or wind correction(s) while accurately engaging targets at distance. This scope features fully multicoated glass for sharp, bright images.
Zeiss | Conquest V4 Boasting a 30 mm tube and fully multi-coated lenses, Zeiss’ new Conquest V4 offers a tremendous amount of reticle adjustment. It has 80 MOA of internal adjustment in .25-MOA clicks of its easy-to-manipulate, spring-loaded turrets. The ZMOAi-1 illuminated second-focal-plane reticle includes fine-line subtensions with 1-MOA graduations.


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I am a scientist in the field of glaciology and polar meteorology at the Institute for Marine and Atmospheric research Utrecht (IMAU), part of Utrecht University, The Netherlands. I'm active on Mastodon.
The large-scale weather pattern over the North Atlantic is variable, and it impacts Greenland surface mass balance, and firn mass. We find that a more positive phase of NAO (i.e., more zonal flow) since 2012 has slowed down the loss of firn over most of the ice sheet.
Using a spectral unmixing technique, we map daily fractions of blue-ice area over Antarctica for the 22-year period since 2000, using the full available MODIS archive. This FABIAN product is published in Remote Sensing of Environment.
Firn is the transitional product as snow compacts into ice. Knowledge about firn processes is important to convert a change in ice sheet volume to a mass change. Also, firn acts as a buffer for meltwater, retarding the contribution of meltwater to sea-level rise. We investigate changes in the firn using IMAU-FDM, a comprehensive firn model that has successfully been used in altimetry, and to explain observations of firn. ---->
In the past decades, 20% of Antarctic Peninsula ice shelves have disappeared in abrupt disintegration events. The leading hypothesis for these events is called hydrofracturing: meltwater collects in crevasses and its pressure makes the crevasses penetrate to the ice shelf base, causing it to break up. The firn layer overlaying the ice shelves plays an important modulating role in this process, an idea that I have elaborated upon in an important 2014 paper. ---->
My colleague Luke Trusel from Woods Hole Oceanographic Instition (USA) published a great paper on future snowmelt in Antarctica in 2015. If greenhouse gas emissions are not curtailed, snowmelt will increase eightfold by 2100. ---->
In January 2011, the British Antarctic Survey (BAS) conducted a large glaciometeorological experiment on and around the Larsen C ice shelf in the Antarctic Peninsula. The 4-week experiment goes by the name of OFCAP (Orographic Forcing and Climate on the Antarctic Peninsula). The IMAU contributed with instruments for measuring the radiation budget, turbulent fluxes, and the liquid water content of the snow, in a stationary camp on the Larsen Ice Shelf. A field report is available. ---->
In June and July 2007, we carried out an experiment about radiation and snow cover at Summit Camp, a research station on the Greenland ice sheet. The experiment goes by the name of SURE 07, which stands for Summit Radiation Experiment 2007. Read more -->
The albedo of a particular surface is defined as the fraction of incoming solar radiation that is reflected by that surface. Snow has a very high albedo, and therefore, small changes in snow albedo have a profound effect on the net radiation budget of the snow surface. ---->
Long ago, I developed a model that calculates radiative transfer of solar radiation through the atmosphere, clouds and snow. ---->

domain: geography


text:
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domain: design


text:
Critique of a Scientific Article
James Marsh (04138848)
Improved neovascularisation and wound repair by
targeting human basic fibroblast growth factor (bFGF) to fibrin.
Zhao, W., Han, Q., Lin, H., Gao, Y., Sun, W., Zhao, Y., Wang, B., Chen, B., Xiao, Z., and Dai, J.
This paper proposes a novel method for the
improved formation of new blood vessels
(neovascularisation) during wound repair by targeting basic fibroblast growth factor (bFGF), a naturally
produced angiogenic factor, to fibrin (a key component of plasma clots at wound sites) (Zhao
This is achieved by the fusion of bFGF to the Kringle1 domain of plasminogen, a peptide with a
high affinity for fibrin, allowing site-specific delivery of the recombinant protein (K1bFGF) to the fibrin
The authors also extended this approach by applying of K1bFGF to cases where plasma clots
did not exist through the development of a fibrin-scaffold/K1bFGF system (Zhao
indicated that the recombinant K1bFGF bound fibrin with a greater affinity than bFGF alone, and was also
retained for longer in a fibrin scaffold than bFGF (Breen
Furthermore, it was demonstrated
that fibrin containing K1bFGF considerably enhanced neovascularisation and that fibrin scaffolds
containing K1bFGF had more proliferating cells than control groups (Breen
The title precisely states the subject of the paper and adequately reflects the content of the work.
are no “jargon” or “buzz” words that are not directly relevant to the subject matter and it succeeds in
stimulating the interest of the reader.
However, it is suggested that “targeted therapy” be included in the
title (and key words).
Targeted therapy is garnering increased attention as a novel approach to drug
, 1995; Sawyers, 2004), where a drug is specifically targeted to a therapeutic site
thus reducing any adverse effects on surrounding tissues (Breen
This concept is referred to
in the opening sentence of the abstract and is outlined further in the introduction, indicating its clear
relevance and importance to the research question, warranting its inclusion in the title (and key words).
For this reason it is suggested that the title be altered to read:
“Using targeted therapy to improve
neovascularisation and wound repair by attaching human basic fibroblast growth factor (bFGF) to fibrin.”
The abstract is well-structured, beginning with two sentences of background information followed by a
statement of the research question being proposed and what was done to answer it.
The statement of
purpose matches the one in the introduction, and it accurately summarises the complete article by
providing the highlights from the introduction, methods, results, and discussion.
Only the most important
findings that specifically address the hypothesis are presented, in a logical order, and it makes sense
when read in isolation.
The authors have produced a clear abstract that provides just enough detail to


text:
|Pink Floyd To Reunite|
|Home Theater News Music - Concerts-Shows News|
|Written by Jerry Del Colliano|
|Monday, 13 June 2005|
Reunited and it feels so good.
This Live 8 show really is capturing the feeling of the Live Aid shows I watched in Philadelphia as a kid. Today one of rock’s most popular, innovative, successful and creative bands, Pink Floyd including Roger Waters, agreed to put years of animosity behind them to reunite for the Live 8 show to benefit Africa.
Floyd’s studio albums are the standard for the Concept Album more than 30 years after the release of the amazingly successful Dark Side of the Moon. Floyd was able to do what few rock super groups were able to do by switching their frontman and creative force multiple times. First from Syd Barrett to Roger Waters and then from Waters to guitarist David Gilmour. The Roger Waters era of Pink Floyd is considered to be their best, most time-tested music and now Waters is back to play with a band whose live shows are rock and roll legend.
With Floyd on the bill, I wonder if any of the promoters get the itch to try to mend some of rock and roll’s most damaged relationships. Considering the nature of the show and what it benefits, would Genesis reunite for one night? Would Van Halen do a show with Dave one more time? They did two cuts with him for their best of album and reportedly have most of a studio album in the can with Dave on vocals.
Just for reuniting Pink Floyd, I am not only going to watch the show – I am going to donate some money. Considering the entertainment and the cause, perhaps you will too.

domain: entertainment


You would think that with all the problems that this particular retailer is having within its stores, it would be working with its contractors to resolve it issues. But you would be mistaken. Companies have been bending over backwards to accommodate the lock ring replacement programme and it now appears that they are trying to pin the problems they have been having within their stores on poor commissioning.
Now, here is the thing with commissioning. The retailer usually has a spec for this issue and would relay that to the design guy, who would pass it on to the commissioning engineers. But not with CO2 refrigeration, go make it work, the retailer has cried. We could have used an off the shelf system, but no. We will design it and make it ourselves to look big and clever. But alas this was not to be.
Now when push comes to shove and you are in the spotlight and all is going pear-shaped, what do you do? You could create a smoke screen or say a big boy did it and ran away - I think we are getting both at the moment, ultimately meaning “It’s the contractors’ fault.”
It is no wonder that in reality nobody particularly likes working for this contractor and if we had the choice, I think most companies would like to walk away and do work that is profitable.
This contract keeps a lot of people in a job, including me. You could say that we should be grateful for this contract, but if you were at school and you were being bullied, would you put up with it, I think not.
Things work better when in partnership, not in a dictatorship, Nrc Rea Bott, Wr and Hussmann have been affected by this retailer over the years and they wonder why they receive the service they get.
You only get what you pay for, and you treat people the way you would like to be treated. Simple.


text:
Mbrico offers comprehensive, ready-to-install porcelain tile decking system. Created by people with a focus on engineering and a background in homebuilding, Mbrico porcelain tiles are the simplest, strongest, and most cost-effective tile decking system the industry has ever seen. Don't let the word "porcelain" fool you - porcelain deck tiles are incredibly durable and strong, due to their non-porous, dense and uniform composition. Mbrico porcelain deck tiles stand up to all weather conditions, are resistant to stains, chemicals and flames, and still offer a uniquely stunning beauty that comes from thinking beyond ordinary when it comes to your decking material options.
Mbrico tiles are precision cut for easy coupling and use mechanical fasteners, with no special tools or grout required.
Mbrico tiles are non-porous, making them exceptionally resistant to stains, mold and moisture. They're also easy to clean!
Mbrico tiles are ADA-approved skid resistant, and textured to provide traction, wet or dry.
Mbrico porcelain decking tiles come in a variety of colors and effects, allowing you to match your exterior aesthetic to your interior design. Tiles have virtually no thermal movement moisture absorption, giving you an extremely stable, easy-to-maintain deck surface for decades.
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When this project first came to me, I struggled to come up with ideas for it. It was just not working out. Its normal for any creative to not come up with the best idea in the first instance. But I made over 25-30 trial and error attempts before zeroing on the final design.
What came out eventually was a very satisfactory outcome. The client here is Windsor, a plastics processing machinery manufacturing firm with a 50 years history. They have some cutting edge technology from around the world which makes their roster of clients what one would call as happy customers. And to make machines and their products talk for their calendar wasn't easy.
Fact of the matter is that their products effectively touched human lives. Through the 12 pages of the year’s calendar ultimately they wanted to show exemplary attributes that go into making up the most of it in everyday life.


text:
- Jun 4, 2020
bcmacdonald published a new blog post.
The International Gemological Institute (IGI) ran a global jewelry design competition titled IGI Expressions™ from 22nd September - 28th October 2021. IGI Expressions™ was a 100% online competition that was open to jewelry designers and enthusiasts alike. The aim of IGI's annual jewelry design...
Continue reading the Original Blog Post.


This ZOOM-version of the very popular PRO Beamer Mk2, used by a huge number of rental companies.
It is backward compatible with the original PRO Beamer Mk2 but is also equipped with a motorized 8° - 40° zoom
- Very powerful RGBW LED projector (14700lux @ 2m / 8°) based on 7 quad-color 12W LEDs:
- Unwanted RGBW shadows are completely eliminated
- Perfect and evenly spread color mixing, even at short range.
- Motorized zoom: 8° - 40°
- 2 zone pixel control (center + ring effect)
- Perfect for all kinds of indoor applications: hotels, shops, discotheques, public & amusement parks, fairground attractions, theaters, medium and large stages, …
- For outdoor applications there is a PRO BEAMER ZOOM Mk2 - OUTDOOR version available as well.
- Perfect alternative for traditional PAR64 projectors: only 128Watt power consumption at full output and no need for heavy dimmer packs!
- The use of LED Technology makes important energy (cost) savings possible compared to units based on halogen lamps!
- Different DMX operation modes from 3 channels to 25 channels, including STAGE BEAMER RGB / PRO BEAMER Mk2 compatibility modes.
- Thanks to all kinds of special features this projector is the choice of professional light designers:
- Color temperature presets 3200K ~ 10.000K
- White & RGB Calibration
- Different dimmer curves
- Neutrik PowerCon input/output (max. 12 units)
- Mains cable with PowerCon included!
- 3pin + 5pin DMX input/output
- Recall custom programs by DMX
- Menu driven LED-display with password protection on the rear panel
- Tempered glass lens protection
- The 400Hz LED scan rate makes it also a perfect choice in TV studios (no interferences with TV-cameras)
- Completely silent: the projector is cooled by natural air convection so no noisy fans are needed!
- The lightweight aluminium housing uses a double hanging bracket so it can also be used as floor projector.
BRITEQ PRO BEAMER ZOOM Mk2


text:
Fifty years ago, in December of 1967, the Penn Yan community was looking forward to the Christmas season. The Chronicle-Express reported that the Walkerbilt company had been recently cited with an architect’s award for the library furniture that they installed at a school in Voorheesville, New York. It was announced that cable TV has been installed in the northwest section of Penn Yan and homeowners could apply for installation for service at $5.50 a month.
Trombley Tire on East Elm Street advertised Philco color television sets as low as $300 and promised to throw in a free year of cable TV. Loblaw’s on Liberty Street was advertising hamburg at 49¢ a pound. A.E. Covert’s dealership on Lake Street was advertising the all new Plymouth Roadrunner. Newberrys on Main Street was advertising the Veg-O- Matic (as seen on TV) for $7.77. As Christmas approached, Fire Chief John Banach warned the public that there was an increased danger of fire during the holiday season. How timely…
On Wednesday morning, Dec. 20, just after 8 a.m. Chief Banach was at his barber shop on Elm Street when he heard the fire alarm. He rushed to the firehouse on Main Street and was stunned when he saw the station itself was engulfed in flames. A few other volunteer firemen also responded quickly. One was able to reach inside the front door and pull the cord that allowed the air horn alarm to give one final blast. Another reached in the back door and pulled out a few lengths of hose before the heat grew too intense. The chief called the county sheriff to summon mutual aid from neighboring fire departments. Then all the Penn Yan firemen could do was helplessly watch their station burn while they had no equipment with which to fight it.

domain: history


text:
Johnny Get Your Gun
It's late November, deer-hunting season in West Virginia, and, not coincidentally, Tom Neil is a tough man to track down. Two calls to the elementary school principal bring the same response: "He's in the woods."
Fortunately, Neil didn't have to bag school to bag a deer during the first week of the rifle-hunting season. Like most districts in the Mountain State, the 5,000-student Nicholas County school system shut down for the entire Thanksgiving week to accommodate both the holiday and hunting season.
West Virginia isn't the only state where schools take a temporary back seat to seasonal traditions. A number of school districts in southeastern Ohio and parts of Pennsylvania also close their doors for the opening day of rifle season. And in Aroostook County, Maine, high schools take a fall break—three weeks this year—so students can work the local potato harvest.
In West Virginia, closing schools for a few days of deer hunting honors the state's unshakable love of the sport, says Neil, principal of the 170-student Beaver Elementary School. "Even for the elementary school kids, it makes them better citizens, gives them an appreciation of the outdoors," he says.
For the 40 West Virginia counties that closed schools this fall, the practice was as much about necessity as it was about tradition. If the rural districts had stayed open, says Kim Nuzum, a spokeswoman for the state education department, many students and staff members would suddenly have come down with "camouflage flu" or "buck fever."
Most districts in the state receive a handful of paid, nonvacation days they can use as they choose to shut down schools each year. Nicholas County school officials try to schedule those days around times when there would otherwise be high rates of absenteeism.
County superintendent Bill Grizzell learned just how far some students will go to make the most of the hunting season when he worked in the Morgan County school system in the northeastern part of the state. There, Grizzell says, one student nabbed a deer on his way to school one morning. "He called in to say he was going to be tardy because he had to clean it."
In Maine's Aroostook County, where there are almost as many acres of potato fields as there are people, farming prompts the annual school shutdown. Jerry White, superintendent of the 417-student School Administrative District 33, remembers the time a well-meaning school board member asked a group of local potato farmers what would happen if school leaders decided to keep the district's high school open during harvest season.
"I walked across the room and said, 'I'm not even touching that,' " White says. "A couple of the farmers said, 'If you cut out harvest break, we won't pay our tax bill.' "
Nearly all the 19 school districts in the county close their high schools for at least part of the mid-September to early October harvest season. They make up the time by opening school in mid-August.
Despite the shift on many farms from hand-pickers to more efficient harvesting machines, the three-week harvest season still represents a profitable time of year for many families in the working-class county. Students ages 16 and older are legally permitted to operate the mechanical harvesters and can earn wages that run upward of $60 a day, six days a week. Younger students, meanwhile, can make cash during the harvest by baby-sitting the children of adults working in the fields.
"Most of my friends work," says Michelle Derosier, a 16-year-old junior whose parents operate a farm, "and some kids complain about it. But I enjoy working on the harvester."
"Harvest season allows kids who don't normally have access to some bucks to earn their own and put it into a savings account," superintendent White says. "It instills a sense of responsibility."

domain: sociology


text:
Pain Relief & Recovery
RELIEVE PAIN & RECOVER FROM INJURIES WITH ACUPUNCTURE
Whether you've been in an accident, suffered from a sports injury, or feeling the strains of too many hours at the desk, acupuncture can help you.
In Chinese Medicine, pain is due to stagnation of Qi and Blood. Under normal circumstances, your body will naturally free this stagnation and recover on its own. However, complications can hinder your body's natural healing process. By inserting fine needles into strategic points on the body, acupuncture can free the stagnation and promote healing. In 2011, a reckless driver crashed his car into me and my bike. Thankfully, I only suffered minor injuries with various abrasions and sprains. After just two and a half weeks of regular acupuncture and herbs, I was still able to participate in Warrior Dash and successfully finish!
Common conditions that can be treated with acupuncture:
- Neck and shoulder pain and tension
- Frozen shoulder, rotator cuff injury
- Tennis elbow
- Repetitive stress injury
- Back pain, disc injury, and sciatica
- Tight IT band discomforts
- Knee pain
- Shin splints
- Bell's palsy
ACUPUNCTURE FOR PAIN & INJURY VS. CONVENTIONAL DRUGS
No Side Effects: Unlike most medications, acupuncture has little or no side effects. Common side effects of common pain medications include upset stomach, constipation, dry mouth, and blurry vision. Overdose can be fatal, and more serious side effects can occur if you have other health complications (you may read about Vicodin by clicking here). You're already dealing with a lot of pain, so why suffer through other health complications as a result of side effects from medications?
Get Off of Pain Meds: Keeping track of taking various medications can be stressful, and being dependent on pain medication is no fun. Acupuncture can help alleviate pain, support recovery, and help you decrease dependence on pain meds.
Long Term Healing: Don't just mask the symptoms! Acupuncture and herbal medicine can help you truly heal. Alleviate the pain and recover faster. Unlike pain medication, you get long-term effects: health and happiness.
Surgical Recovery: If you're recovering from a surgical procedure, acupuncture can help you recover faster, get back on your feet, and back to your life.
Cost Effective: By addressing the problem now, you won't put it off until later, when surgery may be necessary. You won't need to take time off work to get an acupuncture treatment, whereas you'll need a few days to recover from a surgery.
Increase ROM: One of the major complications of injury is the scar tissue, which reduces your range of movement (ROM) from before your accident. By opening channels and meridians, acupuncture can relax the muscles, free stagnation, and promote ease of movement.

domain: medical


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domain: health


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Song of the ShankDownloadable Audiobook - 2014
***Graywolf Press Lead Summer 2014 Fiction*** Song of the Shank is a novel loosely based on the life of Thomas Greene Wiggins, a nineteenth century African American piano virtuoso and composer who performed under the stage name Blind Tom. Told through the eyes and minds of people who try to manipulate or use Tom for one reason or another, the novel is an imaginative meditation on issues of blindness, race, and the role and importance of art and critical thinking in our world today.
Publisher: Prince Frederick, Md. : Recorded Books, Incorporated, 2014,
Branch Call Number: EAUDIOBOOK
Characteristics: 1 online resource (20hr.,0 min.) digital,Digital recording data file

domain: library


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This fashion-forward cage veil is a beautiful edition to a non-traditional wedding. Made out of white diamond netting, this veil has a handmade silk pill-box hat with a bow embellishment to add a little flair. Attaches to the head securely with a metal comb. 100% hand made in Brooklyn, NY.
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text:
The Importance of Meningitis Awareness and Prevention Among College Students
Sending your recent graduate off to college can be worrisome for more reasons than one.
Will they be safe?
Will they get good grades?
Will they call me if something happens?
These concerns are natural, and there’s a key way to help relieve them: make sure your child knows what to do.
When a young adult falls ill with what they think is a common cold or flu, they may not reach out for help. It’s essential that they are aware of their heightened risk for bacterial meningitis – which is easily transmissible within the close quarters of college living – and can recognize the symptoms.
Meningitis is an infection of the lining of the spinal cord and brain – called the meninges – which can result in brain swelling and permanent damage, says Dr. Michael Barnish, Infectious Disease Specialist at Jefferson Health in New Jersey.
The two most common types of meningitis are viral and bacterial, which have some symptoms in common, but differ greatly in severity.
According to the CDC, college students, especially freshmen, are at a higher risk for bacterial meningitis than the general population. This is because it’s transmitted through nasal secretions. If an infected student coughs or sneezes, shares utensils or cups, kisses, or just touches a common object, it can spread the disease.
Freshmen, Dr. Barnish explains, typically have the most confined living environments with the most students residing in them. Upper classmen and non-residential students are at a lower risk. Studies also show that the peak age for bacterial meningitis ends around 21 years of age.
“Viral meningitis symptoms include fever, severe headaches, nausea, irritability, light sensitivity, and some neck stiffness,” said Dr. Barnish. “It’s treated with fluids and pain medication, and usually goes away within a week or two. It’s commonly caused by viruses that are prominent during the late summer and fall.”
The symptomatic differences for bacterial meningitis are notable, says Dr. Barnish. Someone with viral meningitis will remain oriented, whereas someone with bacterial meningitis will likely experience a change in mental status (e.g., become confused or lethargic).
If bacterial meningitis is not treated promptly, with antibiotics and steroids, it can be fatal (sometimes within 24 hours, depending on the strain of bacteria). If your child is experiencing any of these symptoms, they need to go to the hospital and should contact student health services, so that outbreak prevention measures can be made.
“Some strains of bacterial meningitis can cause long-term neurological consequences, such as hearing loss, intellectual impairment, seizures, and partial paralysis,” continued Dr. Barnish.
When it comes to prevention, immunization is key. The MenACWY vaccine, recommended by the CDC at age 11-12, is required for residential students by most colleges. A booster shot will also be required if never administered at age 16 (or even if it was administered before the age of 16).
MenACWY protects against over half of bacterial meningitis cases, explains Dr. Barnish. Meningitis B, however, accounts for the remainder, and a separate vaccine (the MenB or serogroup B vaccine) is needed – although, presently only in outbreak response on campus. College students’ risk for meningitis B is no higher than the age-matched risk in the general population for this strain of bacterial meningitis.
In addition to meningitis vaccines, college campuses typically require the MMR vaccine (for measles, mumps, and rubella), Tdap (for tetanus, diphtheria, and pertussis), and the varicella (or chickenpox) vaccine. They may also recommend the HPV vaccine, Hep A, and Hep B vaccines.
If you are unsure whether or not you’ve received certain immunizations, check your records! If your records are unavailable, you can get revaccinated, explains Dr. Barnish. Doctors can run blood tests to assess immunity in most cases, but the MenACWY would have to be administered again, since there is no reliable test yet.
While nothing is as helpful as the vaccines, it always helps to wash your hands! While the risk for bacterial meningitis is not something to obsess over, it should be communicated with all the incoming, wide-eyed students.


text:
Emerging from a period of retrenchment, SIHH exhibitors are battling for the discerning, post-crisis consumer.
It recommends sales should last for four weeks rather than the current six.
The French retailer said it is “back on track” as it invests in expanding remaining brands.
As they seek to cater more to the booming Chinese market, luxury brands are rushing to adopt more digitally driven strategies.
The monthly performance was driven by a surge in demand from China, where exports grew at their fastest pace in more than two years.
The French department store is shoring up its own internet offer and seeking growth by expanding abroad.
Along with rhinestone skulls, the brand’s namesake brought Murano chandeliers and tales of armed robbery to the tony Avenue George V.

domain: economics


Made more microwave bowl potholders
This project is long overdue.
I am still cutting some of the baby clothing and stabilizing, but that is almost done.
These are sewn in 2 patches and ready to go into 4 patches.
Doesn't seem to be all that many 4 patches, but I'm happy with it.
Some progress is better than none.
Decided on the background and the shadow fabrics.
Looks like half the blocks are sewn together.
Maybe another full day of sewing will get them sewn together.
Has anyone ever stabilized fabric for the binding?


text:
This post is way overdue, but I just had to share with you the fun I had with Hilary Grace Photography and Jar Cakery a little ways back! We wanted to do a shoot of wedding inspiration that featured bold, exciting colors not always seen in winter wedding inspiration. Here's what we did! Check it out:
Loved making this fun floral crown.
My inspiration was "chiaroscuro," meaning in floral terms that I wanted a contrast between really light and really dark colors. Mission accomplished! Didn't hurt that our model was just about the prettiest gal I've ever seen.
The centerpiece featured David Austen roses and dahlias.
And Emily of Jar Cakery made the most beautiful cake that we topped with hydrangea, roses and pepperberry.

domain: artistic


i know that this carliber is real popular. but it gets on my nerves people use it on deer and elk where i think it's only good for groundhogs. yea it'll kill about anything but so will a 22 lr. as a deer gun it works best on boardside lung shots. don't hit the shoulder or you'll be chasing for a long time. lest face it it's a gun for the expert who can thread the needle with the prefect shot no margin for error for around the edges. and no you don't need a magnum either. a .308 class gun will give you all the power you need as still be easy on the shooter to boot.


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The contents of this section of the blog:
• General Overview
• The Heptarchy - The Seven Kingdoms of Anglo-Saxon England
• Edward and the Godwins
• Invasion and Conquest
• The Normans
• The Normans
Normandy is located in northern France along the English Channel between Picardy in the east and Brittany in the west. Its name is derived from the settlement and conquest of the territory by Vikings during the ninth century. The Vikings (men of the North) had so harried the French coast that the French King granted lands to their leader Rollo. The fiefdom of Normandy was created in exchange for his homage and fealty. In time these Northmen absorbed French culture and language, intermarried, and by the time of the Conquest were indeed Norman French.
The Dukes of Normandy commissioned and inspired epic literature to record and legitimise their rule. Wace, Orderic Vitalis, and Étienne of Rouen were among those who wrote in the service of the Dukes.
Duke William of Normandy was the illegitimate son of Duke Robert of Normandy and a tanner's daughter named Herleva (Arlette) hence the name derogatory name 'Bastard'. When William became king of England following the Battle of Hastings in 1066 Normandy and England were linked by Norman rulers for a century and a half until it to reverted to French rule during the reign of King John.
The Normans introduced into England their system of land tenure based upon military service. The word feudalism is derived from fee, an estate in land. However they kept the whole system of Saxon of local governance and the counties, sheriffs, and courts survived. In short, Norman and Saxon institutions were blended. The Normans were also great builders, in the round arched Romanesque style. Great castles, keeps, cathedrals, abbeys and monasteries flourished. Even the most modest churches were enriched with ornate carvings, stained glass and chevron and beakhead ornamentation.
Rouen: a city on the Seine River, about 70 miles northwest of Paris. The site of Rouen was originally settled by Celts and later by the Romans as Rotumagus. Its name was changed to Rouen during the Middle Ages. The city was held by the English from 1066 to 1204 and from 1419 to 1449. It is known as the Museum City because of its historical and architectural treasures.
Caen: located on the Orne River about 9 miles inland from the English Channel, Caen is a major port and trade centre for the surrounding agricultural region. Caen served as the capital of Normandy under William the Conqueror. It was captured by the English in 1346 and was ruled by them from 1417 to 1450. Historical landmarks include the eleventh century Abbaye-Aux-Hommes founded by William the Conqueror, the Abbaye-Aux-Dames founded in 1066 by William's wife Matilda, and the Church of Saint-Pierre.
Bayeux: home to the famous Bayeux Tapestry, an eleventh century embroidery, which details the Norman Conquest of Britain, probably commissioned by Bishop Odo, Duke William's half brother, for his cathedral.
• The Gesta Normannorum Ducum:
One of the most important sources for the history of Normandy and England in the eleventh and twelfth centuries. It contains the earliest prose account of the Norman Conquest and was written by a succession of authors including William of Jumieges, who wrote for William the Conqueror, and later historians such as Orderic Vitalis d. c.1142 and Robert of Torigni d.1186:
The Gesta Normannorum Ducum
• Norman Conquests in other Lands
Coin of Roger I, Norman conqueror of Sicily
Besides the conquest of England the Normans expanded into other areas, perhaps most significantly Sicily. The sons of Tancred of Hauteville - William Iron Arm, Drogo of Hauteville, Humphrey of Hauteville, Robert Guiscard and Roger the Great conquered the Emirate of Sicily and additional territories in Southern Italy and carved out a place for themselves and their descendants in the Crusader States of Asia Minor and the Holy Land. Norman families, such as that of Tancred's, played important roles in the Crusades.
The 14th century Norman explorer Jean de Béthencourt established a kingdom on the Canary Islands. He received the title King of the Canary Islands but recognized Henry III of Castile as his overlord.
This post concludes section 2. Setting the Scene: Background


text:
Photo credit and recipe adapted from Pandan Gula Melaka
Middle Eastern inspired dish with the addition of black garlic that adds a rich depth, combined with tart pomegranate molasses and sweet date syrup. Great served with polenta, a fantastic dish for company, as all the prep work is done at the beginning, and then you just have to wait.
Prep Time 5 mins
Cook Time 30 mins
Total Time 45 mins
- Olive oil
- 2 large onions, sliced
- 1 cinnamon stick
- 3 tsp ground cumin
- 2 tsp turmeric
- 4 lamb shanks
- Sea salt & freshly ground black pepper
- 2 bay leaves
- 1 tsp dried thyme
- 2 x 400g cans chopped tomatoes
- 2 tbsp date syrup
- 1 tbsp pomegranate molasses
- 30g black garlic cloves
- Fresh coriander, roughly chopped (for garnish optional)
1.Place a large saucepan over medium heat and add a good drizzle of olive oil. Fry the onions until fragrant then add cinnamon stick, ground cumin, turmeric and the lamb shanks. Stir well until the shanks lightly browned. Season with sea salt and black pepper
2.Add the bay leaves, dried thyme, chopped tomatoes, date syrup and pomegranate molasses. Add just enough water to cover the meat. Turn the heat to low-medium and cook (with the lid on) for 2 hours (You can also use pressure cooker) .
3.Add the black garlic and adjust the seasoning. Top up with a little more water if needed. Cook the shanks for a further hour without lid until the sauce thickened. Garnish with fresh coriander.

domain: food


text:
Ferlyn Tan | Published on 24 May 2021
• The banking industry has been one of the most favoured industries this year, with the KBW Nasdaq Bank Index more than doubling from its March low.
• Most banks are now flushed with liquidity due to the massive fiscal stimulus. As the banks redeploy their excess capital into higher-yielding assets, such as loans, it will provide support to the banks’ net interest margins (NIM) and profitability.
• Revenue diversity is one of the US banks’ biggest strengths. Even in a low-interest-rate environment, banks are still able to generate revenue from intermediation activities that produce fee income, instead of depending solely on deposit-taking and lending.
• While we do not expect any rate hikes this year, an earlier-than-expected rate hike will be a major catalyst for the industry as banks tend to benefit in a rising interest rate environment.
• To gain exposure to US banks, investors can consider the Invesco KBW Bank ETF (NASDAQ:KBWB), which has an upside potential of about 11% by the end-2023 and an average dividend yield of about 2.0% (after dividend withholding tax).
The banking industry has been one of the most favoured industries this year, with stronger earnings prospects propelling the share prices of banks globally, especially US banks. Not only have US banks reversed a portion of their credit reserves in 1Q21 given the brighter economic outlook, they are also expected to face significantly lower loan loss provisions in 2021.
As a result, the KBW Nasdaq Bank Index, which measures the performance of leading US banks, has more than doubled from its March low (Chart 1), and unsurprisingly so. Despite the strong performance, we continue to see several catalysts that will support the share prices of US banks as we move further into 2021.
Chart 1: Strong rebound since March low
Improving credit environment to drive loan growth and net interest income
Thanks to the massive fiscal stimulus in the past year, there has been a surge in deposits across US banks. Commercial bank deposits recorded a growth of more than 20% on average, a figure that is way above the five-year historical average of approximately 5%. However, loan growth lagged behind drastically, with total bank lending falling by -0.2% over the same period (Table 1), providing a drag on net interest income across US banks.
Table 1: Growth in bank loans and deposits across top US banks in 2020
|Company Name||Ticker Code||Deposits growth||Loan growth|
|Bank of America Corp||BAC||25.1%||-5.6%|
|Wells Fargo & Co||WFC||6.2%||-6.3%|
|JPMorgan Chase & Co||JPM||37.2%||5.5%|
|Truist Financial Corp||TFC||13.8%||-0.8%|
|State Street Corp||STT||31.8%||6.1%|
|Bank of New York Mellon Corp/The||BK||31.6%||2.8%|
|Capital One Financial Corp||COF||16.3%||-4.5%|
|Fifth Third Bancorp||FITB||25.2%||2.3%|
|PNC Financial Services Group Inc/The||PNC||26.6%||1.1%|
|First Republic Bank/CA||FRC||27.5%||24.0%|
|Average of large US banks||23.7%||-0.2%|
|Source: Bloomberg Finance L.P., iFAST compilationsData as of 31 December 2020|
However, on a brighter note, most US banks are now flushed with liquidity, and this means that they could start redeploying their excess capital into higher-yielding assets, such as loans, as the credit environment improves. In JPMorgan’s 4Q20 earnings call, its management guided that they are expecting loan growth to normalise in 1H21, before picking up in the second half of this year. Bank of America has also expressed optimism that it will return back to positive loan growth this year.
While we expect the Fed to hold off on interest rate hikes until at least next year, a further expansion in the loan books of US banks is able to minimise the impact of a still-low interest rate environment, providing support to the banks’ net interest margins (NIM) and profitability.
Revenue diversity is one of the US banks’ biggest strengths
In our previous article, we shared that the revenue streams of the large US banks are generally more diversified than their international peers. They derive about 40-50% of their total net revenue from non-interest income, while its international peers, like Singapore and Chinese banks, derive approximately 15-30% from non-interest income.
Chart 2: Most US banks derive a large part of their revenue from non-interest income
In a low-interest-rate environment, having a more diversified business model is an advantage for banks as they are still able to generate revenue from intermediation activities that produce fee income, instead of depending solely on deposit-taking and lending, which are interest-generating, helping to support bank profitability. Moreover, as economic activity picks up, this bodes well for the several segments that help to drive the banks’ non-interest income.
Card fees: Consumer spending has normalised over the past few quarters, thanks to the reopening of the US economy and the generous stimulus package announced by the government. Besides, we see further upside in consumer spending, a development that could drive an increase in card fees, especially if consumer sentiment continues to improve on stronger economic fundamentals, and as a recovery in US domestic travel gets underway.
Investment banking fees: Investment banking fees are also expected to improve, largely supported by equity underwriting fees given the still-buoyant IPO market, even as fixed income underwriting fees are expected to moderate after an exceptional year in 2020.
Wealth management fees: Finally, the wealth management arm of the banks will continue to do well in the next few years. PwC has forecasted that assets under management (AUM) in North America will grow at a CAGR of 4.0% from now till 2025 and this should translate to higher wealth management fees in the years to come.
Earlier-than-expected rate hike a major catalyst for US banks
We maintain our stance that there will not be any rate hikes for this year, but with inflation risks lurking against the backdrop of a rosy economic outlook, there is the possibility that rate hikes may be brought forward, with the Fed unwinding its easy policies earlier-than-expected.
This will be a major catalyst for the industry as banks tend to benefit in a rising interest rate environment. An earlier-than-expected rate hike will lead to an expansion in NIMs. Combine this with a rapid increase in bank lending, and it will certainly help to drive a sharp increase in net interest income, which represents the other 50% of the revenue generated by US banks.
That said, even in the absence of an interest rate hike this year, we believe US banks will continue to see strong earnings growth.
One ETF to gain exposure to the top banks in US
As the world continues to recover from the COVID-19 shock, we believe that the US banking industry remains an attractive space for investors to be in.
To gain exposure to US banks, investors can consider the Invesco KBW Bank ETF (NASDAQ:KBWB), which tracks the performance of 24 leading banks that are publicly traded in the US. Based on our valuation methodology for the sector, built on a fair PB ratio of 1.35X, we arrived at our end-2023 target price of USD 76. This translates to an upside potential of about 11% (Table 2).
Table 2: Earnings projection of the KBW Nasdaq Bank Index
|Book value per share (USD)||93.6||99.6||105.4||112.8|
|Projected fair price (based on 1.35X fair PB ratio)||147.3|
|Source: Bloomberg Finance L.P., iFAST estimatesData as of 24 May 2021|
Chart 3: KBW Nasdaq Bank Index vs. EPS
Besides, investors can also expect an average dividend yield of about 2.0% (after dividend withholding tax) in the next few years. The Fed has recently announced that the US banks may resume dividend growth and share buybacks after the upcoming stress test in June 2021, which means that investors could potentially receive a higher dividend yield.
As a bonus, investors will be pleased to know that the Invesco KBW Bank ETF (NASDAQ:KBWB) has recently been added to our ETF RSP list.
For specific disclosure, at the time of publication of this report, IFPL (via its connected and associated entities) and the analyst who produced this report hold a NIL position in the abovementioned securities.

domain: news


Liberal activists organized a rally Tuesday outside Koch Industries Washington, D.C., headquarters to protest the attempted takeover of the Cato Institute by the Koch brothers. No more than about 20 activists attended.
"A think tank providing independent analysis is very different from a think tank that simply does something on behalf of a political party or a corporate donor," said Zaid Jilani, communications and outreach director at United Republic. "We certainly have a disagreement with them about the role of money in politics ... but I also have a number of friends at Cato who are privately supporting us."
The demonstration — attended by no more than about 20 activists — attracted the attention of trackers from the Washington Free Beacon, a conservative media watchdog group launched last month to counter the left-leaning Media Matters for America.
Rep. Elijah Cummings, D-Md., right, hugs Harold Schaitberger, General President of the International Association of Fire Fighters, after the Congressman spoke at the IAFF's Legislative Conference General Session at the Hyatt Regency on Capitol Hill, March 9, 2015. The day featured addresses by members of Congress and Vice President Joe Biden.


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Gerald Clark is a 1994 graduate of the University of California at San Diego (UCSD). Gerald holds an MSEE in Electronic Circuits and Systems, and a BS in Computer Engineering both from UCSD. Gerald is the author of several papers in the communications and electronics field and is well known for his work in the San Diego high technology industry, awarded several patents in the Free Space Optical Laser Communications field while serving as Vice President of Engineering, LightPointe Communications, Inc. Gerald’s career involved companies like Loral Telemetry and Instrumentation where he lead the final phase of the Globalstar Telemetry and Command modem designed for Qualcomm- used to command, monitor, and control 54 LEO Globalstar Constellation Satellites. While serving as VP Engineering at Tiernan Communications, Gerald and his small team of hardware and software engineers were credited with “Digitizing American Television”, having demonstrated the first live HDTV ABC Monday Night Football game on-air transmission from New York to San Diego using Tiernan Communications, Inc. HDTV 1080i/720p MPEG-2 Encoders.
During the years 1996-2002, working as a telecommunications executive, Gerald’s business travels took him to various parts of the world exposing him to a plethora of cultures which acted as a catalyst for his research into mankind’s earliest technologies and accomplishments, including the cultures of Mesopotamia and the surrounding areas of Turkey, Egypt, Persia, and Iraq, eventually leading to the cuneiform-inscribed tablets left by the Sumerians.
Knowledge of the Anunnaki here on Earth, both in the ancient past their presence here and now, is being fully-disclosed around the world. My hope is that this book will help the billions of primitive workers, left to fend for themselves on a hostile planet, to find hope that following the great destruction underway, wrought by the warring gods of Light and Dark, a promised peace in the new age of Aquarius is dawning, actually already upon us.
Many historical and scriptural findings not included in the Canonical Bible, have now come to light. Access to texts such as the Lost Book of Enoch, the Nag Hamadi Gospels, and the Book of Jubilees,among others is now widely available and, when synthesized and correlated with existing documents like the Bible and Qu’ran, merits rethinking Western civilization’s origins and intent.
Prepare yourself for a profound belief-challenging journey through ancient Persia, Sumer, Greece, and Atlantis; from Rome to the United States, HQ of the New Atlantis. This book is not like any other in the field: expect the winged-warrior aerial perspective of an Army Attack helicopter pilot, the BS filter of an Electrical Engineer, a Western Medicine-challenging Structural Integrator, and Southern California didgeridoo player all at the same time. Energy and matter, sound entrainment, slave control design methods using the electromagnetic spectrum, eternal life, gravity, and DMT are addressed herein.
U.S. public school history ignores the Sumerians, although they are credited with all aspects of modern civilization, influencing both Egypt and Greece alike. Television series produced by the History Channel, like the “Ancient Aliens” Series is assisting the masses in waking up to the fact that the Anunnaki were not a myth, having left physical documents and artifacts backing up their claims to have created mankind, described in highly sophisticated language, as recorded by Atrahasis.
It was in South Africa, where the idea was spawned to create a primitive worker, namely mankind, to operate the gold mines, provide temple building manpower, and generally serve every whim the Ancient Astronauts from Nibiru conceived of. Many of the Niburians, referenced in the Biblical Genesis as the Elohim, known to the Sumerians as the Anunnaki, were enthroned as Gods in Mesopotamia.
Perhaps it is fitting for Westerners to look into the religious and historical origins for the kings and demigods of Sumer, the first culture to provide evidence of the cuneiform script language, complete with no antecedent. Not only were mundane records, detailed as they were, kept on clay tablets, tens of thousands of which survive to this day, but the history and direct experience accounts of some of the famed inhabitants, like king Gilgamesh of Uruk, introduce us to “Those who from Heaven to Earth Came.”
The Anunnaki astronauts hailed from a planet, Nibiru, in our own solar system, whose apogee resides in a 3,600 retrograde elliptical orbit beyond Pluto. According to their records, likely using spectroscopy as scientists do today, they located gold on planet Earth. Due to a failing atmosphere on Nibiru, Anu their king, dispatched his preeminent scientist and first-born son, Enki, on a space mission to Earth to recover enough gold that could be ionized in a layer of their atmosphere, as a solar radiation shield
Anunnaki gold mines in Africa have been found and carbon dated. Mining operations were occurring at the exact time and location that the “Genetic Eve Study” indicates: Womankind’s genetic origins are undeniably linked to Enki’s gold mining operation. Egyptian Queen Sheba’s mines ring a bell? Michael Tellinger followed the Sumerian account to Africa, locating many of the mines, homes and temples used by the primitive workers and gods, our true ancestors.
Additional source material and limited genealogy tables are included in the Bibliography and Appendix for the reader to explore. More exhaustive ones are available by contacting the author. Now consider your place in the unfolding New World Order. Will you choose the Enlilites or Enkiites to affiliate with, or do you have a choice? Enjoy this intellectual read, it is mind-bending, pineal-gland stimulating, and worth it! On Kindle Now!
Gerald Clark goes where Mr. Z would not
5.0 out of 5 stars …
October 28, 2013 By xray – See all my reviews
This review is from: “The Anunnaki of Nibiru: Mankind’s Forgotten Creators, Enslavers, Destroyers, Saviors, and Hidden Architects of the New World Order” (Kindle Edition)
To read this excellent book without first having read and studied The Earth Chronicles by Z. Sitchin – will for most readers be a difficult read. However if you are up to speed on the many books by Mr. Z. – you will most definitely find this book very helpful! I congratulate Mr. Clark for having the courage to write the truth about the “Lord God” aka Zeus, aka Yahweh, aka Enlil! He also dares to reveal the Summerian name of Enlil’s sun The Moon god whose symbol is the crescent moon…
Two of his central themes could easily be made into two massive volumes – 1. How the Annunaki were able to control the Minds of Homo Sapiens Sapiens with the right combinations of radio frequencies and 2. How all Earthling Human Beings are kept from obtaining enlightenment or as the author writes – consciousness evolution by the Annunaki controlled governments. Read Zeus/Enlil and his foremost Warrior Apollo/Ninurta seek to destroy all Earthlings!
Mr. Clark also states what may be obvious to some that Jesus was the son of Enki aka “God” in the literal translation of Genesis who was also known as Poseidon/Neptune (the sign of the fish) and “constructed” the “Adapas” in the image of the Annunaki by using the blood of young astronaut that was sacrificed. Again reading this book without reading Sitchin’s book series will cause the reader to feel as though they are missing something.
Mr. Clark also reveals the great religion of ancient Persia that predated the worship of the moon god. You really didn’t think that the Church that followed Jesus’ Church (The Holy Roman Empire) would go unchallenged did you?
Last but not least Mr. Clark reminds the reader Annunaki were aware of “The Maker of All Things” aka the Supreme Being and that Enki programmed us to be able to reach the state of enlightenment by…
I will not spoil this excellent read instead I will tell you it is worth every penny and every student inspired by Mr. Z. – to seek the Whole Truth about Heaven and Earth will not be disappointed.
To Mr. Clark I say thank you for this excellent book. I hope the powers that be – will not harm you for sharing what you know with your fellow Earthling…
Your wonderfully researched book….
Gerald Clark, MSEE PSI
Dear Mr. Clark,
I am a longtime listener to Coast to Coast radio; I began listening nightly to Art Bell in November 1994; I have learned so much over the years. I was especially interested in your updated information regarding the Planet Nibiru and the resident Anunnaki Families.
I first learned about Zecharia Sitchin’s book “The 12th Planet” in the 1980’s. At that time, I was hosting a small discussion group: June, Greg and I met each week in my home where we would share information and research. Among other topics we often talked about Sitchin’s work which was new to us. Greg was a mining engineer, working for Morrison Knudsen Corp. I recently had closed the Creative Awareness Center, where we were offering classes, workshops, seminars, as well as publishing a monthly metaphysical newsletter. June had been one of the financial supporters of the Center.
It was while I was reading “The 12th Planet” that I had a dream in which Enki came to my open door and stood there looking in at me; I perceived others standing near him but no words were spoken.
During the 1990’s, I began offering a class on Sitchin’s work at Boise Adult Community Education. One evening, Ken and Howard, two men interested in UFO’s attended together. I showed the film, “ARE WE ALONE?” based on Sitchin’s book “Genesis Revisited”. At the end of the film, class attendees shared their own UFO experiences and sightings. Ken and Howard inquired about continuing to explore Sitchin’s work as well as getting together to explore more about UFO’s. Over the past 20 years, we have become good friends; we get together one evening each month where we share conversation, books and information. We view the “Ancient Aliens” from the History channel, as well as UFO films.
It was so wonderful to hear your story of the Anunnaki on Coast to Coast. ( gap ) I recorded your interview so the three of us could listen to it together; Howard and Ken don’t have the opportunity to listen that do. Also, I ordered three copies of your book; I am looking forward to discussing it when they come over later this week. I love your book; it is so informative and readable!
I hope you will continue to do more research on the history of the Anunnaki.
In one of Sitchin’s books he talked about Ningishzida going to the New World; when I read it I felt like I was among the people in that caravan crossing a land that would eventually become the USA. And, when I was viewing a film on TV this week, “Quest for the Lost Maya” I felt certain that those old ruins were not built by the Maya, as the speaker was indicating, but by the Anunnaki. I believe that Ningishzida was the designer and builder of the America’s, south of what became the USA…..I feel it in my old bones. And, possibly some of the old ruins here were also built by the Anunnaki.
To know that Ningishzida, Thoth and Jesus are the same Being! What a revolution for this Planet: to know, to accept, to believe; and to stop the hatred and Wars.
I am currently reading Sitchin’s “The Lost Book of Enki” which is written in a conversational format, almost like a diary; I am really enjoying it. The Anunnaki story really should be told, over and over again. Until people really “get it” and understand that mankind’s history on this planet has been recorded, as well as interpreted, so very wrong, we will continue fighting the ancient families’ wars! Let us hope that we have evolved enough to prevent WW3 on Planet Earth.
The Annunaki story should be made into a movie with a famous producer/director such as Spielberg or Lucas. That would be the quickest way to reach the most people worldwide. We all need to know the truth; especially where it concern’s biblical history and the real identity of the biblical God and his people.
I am 83 years of age and am looking forward to moving on when it is my time. I now believe that I will reconnect with some very old family and friends on a far-away planet. Your wonderfully researched book makes me believe that it will be so. Thank you so very much!


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Hello all!! I’m so excited that sunny days are coming!! Tomorrow and the next day are looking to be beautiful and I’m in the mood for spring!! So, when I saw this little house shaped sign at Michael’s I decided I needed to transform it into a little spring and summer reversible sign. It’s going to be so cute you guys!!
- small house shaped block ($1 from Michael’s)
- acrylic paint (Red, yellow, white, black, green)
- vinyl lettering “hello spring” and “hello summer”
- small wood slice (split in half)
- Mod Podge
- 1 piece scrapbook paper
First, trace your house twice on the back of the scrapbook paper and then cut both shapes out.
Apply a thin layer of Mod Podge to both sides of your house being sure to smooth out the surface. Set aside to dry and paint both pieces of the wood slice. One wood slice will be painted red to look like a watermelon slice, while the second piece will be painted yellow to look like a lemon.
I’ll use the smallest wood slice. I used my drill to make holes down the middle in order to break it more easily. For the watermelon slice I trimmed the edge of the wood slice green to look like a rind and then added black dots with a toothpick. For the lemon slice I’ll paint it yellow and add white dots for the seeds.
While the paint is drying on the watermelon and lemon, go back and sand the edges of the house to remove any excess scrapbook paper. You can paint the sides of the house with the white acrylic paint. This can be done before or after you’ve applied your scrapbook paper. Once the edges are dry, you are ready to add the vinyl wording. You can use stickers or a stencil for this part as well.
The last step is to wrap the jute around the bottom of the house and then hot glue the watermelon and lemon shapes on. I’ll put a dab of hot glue on the side of the house and attach the end of the jute in order to begin wrapping.
As you wrap you don’t need to be uniform, it has a more whimsical look if you overlap. After you’ve wrapped the jute around several times, simply add another drop of hot glue to the end in order to secure. Now all you need to do is glue your watermelon and lemon shapes on.
This little spring and summer reversible sign would be perfect in a tiered tray of just on a shelf. I think it turned out so darn cute!! I’m so glad you stopped by and hope you leave inspired!

domain: hobby


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The Bulgarian diaspora in Hungary after 1944
The present work studies the Bulgarian commuinty in Hungary from 1944 to 2000. The history of the Bulgarian diaspora in Hungary is analyzed in the context of the Bulgarian-Hungarian political relations. The main focus of the study is put on the economic, organizational, cultural, educational and spiritual life of the Bulgarians in Hungary.
|Size||14 х 22 cm|