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!! History Commons Alert, Exciting News
FISA court judge Royce Lamberth was angry with the FBI over misleading statements made in FISA wiretap applications. [Source: Public domain]While monitoring foreign terrorists in the US, the FBI listens to calls made by suspects as a part of an operation called Catcher's Mitt, which is curtailed at this time due to misleading statements by FBI agents. It is never revealed who the targets of the FBI's surveillance are under this operation, but below are some of the terrorism suspects under investigation in the US at the time: Imran Mandhai, Shuyeb Mossa Jokhan and Adnan El Shukrijumah in Florida. They are plotting a series of attacks there, but Mandhai and Jokhan are brought in for questioning by the FBI and surveillance of them stops in late spring (see November 2000-Spring 2002 and May 2, 2001); Another Florida cell connected to Blind Sheikh Omar Abdul-Rahman. The FBI has been investigating it since 1993 (see (October 1993-November 2001)); Al-Qaeda operatives in Denver (see March 2000); A Boston-based al-Qaeda cell involving Nabil al-Marabh and Raed Hijazi. Cell members provide funding to terrorists, fight abroad, and are involved in document forging (see January 2001, Spring 2001, and Early September 2001); Fourteen of the hijackers' associates the FBI investigates before 9/11. The FBI is still investigating four of these people while the hijackers associate with them; [US Congress, 7/24/2003, pp. 169 ] Hamas operatives such as Mohammed Salah in Chicago. Salah invests money in the US and sends it to the occupied territories to fund attacks (see June 9, 1998). When problems are found with the applications for the wiretap warrants, an investigation is launched (see Summer-October 2000), and new requirements for warrant applications are put in place (see October 2000). From this time well into 2001, the FBI is forced to shut down wiretaps of al-Qaeda-related suspects connected to the 1998 US embassy bombings and Hamas (see March 2001 and April 2001). One source familiar with the case says that about 10 to 20 al-Qaeda related wiretaps have to be shut down and it becomes more difficult to get permission for new FISA wiretaps. Newsweek notes, "The effect [is] to stymie terror surveillance at exactly the moment it was needed most: requests from both Phoenix [with the Ken Williams memo (see July 10, 2001)] and Minneapolis [with Zacarias Moussaoui's arrest] for wiretaps [will be] turned down [by FBI superiors]," (see August 21, 2001 and August 28, 2001). [Newsweek, 5/27/2002] Robert Wright is an FBI agent who led the Vulgar Betrayal investigation looking into allegations that Saudi businessman Yassin al-Qadi helped finance the embassy bombings, and other matters. In late 2002, he will claim to discover evidence that some of the FBI intelligence agents who stalled and obstructed his investigation were the same FBI agents who misrepresented the FISA petitions. [Judicial Watch, 9/11/2002]
Entity Tags: Royce Lamberth, Shuyeb Mossa Jokhan, Catcher's Mitt, Robert G. Wright, Jr., Zacarias Moussaoui, Raed Hijazi, Mohammad Salah, Federal Bureau of Investigation, Al-Qaeda, Adnan Shukrijumah, Central Intelligence Agency, Nabil al-Marabh, Ken Williams, Imran Mandhai, Foreign Intelligence Surveillance Act
Timeline Tags: Complete 911 Timeline, 9/11 Timeline
Imran Mandhai. [Source: crimelibrary (.com)]The FBI in Florida investigates a group of Muslims it suspects of being terrorists, including an apparent associate of Mohamed Atta named Adnan Shukrijumah (see April-May 2001 and May 2, 2001). The investigation starts with the November 2000 Florida arrest of Turkish immigrant Hakki Aksoy, who is found to be in possession of instructions for making a car bomb. An FBI informer named Howard Gilbert enters the Darul Aloom mosque in Pembroke Pines (a town just north of Miami) to check out one of Aksoy's associates, Imran Mandhai. Gilbert starts plotting with Mandhai and a friend of Mandai's named Shuyeb Mossa Jokhan. [New Times Broward-Palm Beach, 8/1/2002; Miami New Times, 8/8/2002; USA Today, 6/15/2003] Gilbert is replaced by another FBI informant known as "Mohamed the bomb maker," who agrees to wear a wire and testify in court. Mohamed and Mandhai drive around South Florida selecting local bomb targets including a National Guard armory, electrical substations, Jewish-owned businesses, the Israeli consulate in Miami, plus Mount Rushmore in the Midwest. Mandhai and Jokhan are unable to buy weapons themselves, but Gilbert, the first informant, had given Mandhai a copy of a bomb-making manual, and Mohamed, the second informant, shows Mandhai the range of guns and explosives he can provide. [Broward Herald, 5/29/2002; FrontPage Magazine, 10/27/2003; US Court of Appeals for the Eleventh Circuit: appeal, 7/2/2004 ] The FBI interviews Mandhai and Jokhan in late spring 2001 and they acknowledge they are training for jihad. However, the FBI's surveillance of them stops shortly after this. The FBI takes no action against them for a year, and then indicts them in May 2002. At the trial they are both found guilty; Mandhai receives twelve years and Jokhan five. It is unclear why the FBI acts in this way, although it is possibly related to a forced curtailment of electronic surveillance that is taking place at this time. In the summer of 2000, the bureau was ordered to shutdown certain wiretaps after an FBI official was found to have been misrepresenting petitions for taps on terror suspects (see Summer 2000-September 11, 2001). Coincidentally, after Gilbert and Mandhai develop a series of courses for potential recruits entitled "Skills Necessary for Jihad" in the spring of 2001, Mandhai prints them at the same Kinko's copy shop in Hollywood that is used by Mohamed Atta and Hamza Alghamdi to buy their tickets for 9/11 (see August 25-September 5, 2001). [Broward Herald, 5/29/2002; Salon, 12/3/2002; USA Today, 6/15/2003]
Entity Tags: Imran Mandhai, Hakki Aksoy, Federal Bureau of Investigation, Adnan Shukrijumah, Shuyeb Mossa Jokhan, Howard Gilbert
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Tron Price Analysis: TRX/USD Looks Set to Give Up $0.02000 Territory Again
- TRX/USD under heavy selling pressure late on Tuesday, dropping over 7%.
- Bears are gunning for another retest of vital support, seen above a breached pennant patterns structure.
TRX/USD has been under heavy selling pressure on Tuesday, nursing chunky losses at the time of writing of 7%. Bears remain well in the driver's seat in the latter stages of the day, with momentum picking up pace to the downside. The bulls lost much wind behind their sails on 10th January, this coming after enjoying a strong period in a run to the north. TRX/USD from 4th January – 10th January had gained a massive 75%, breaking out of a bullish pennant pattern structure. It also managed to briefly extend above a known area of supply, which exacerbated the upside pressure.
The above-described move saw the price print its highest level seen since 31st July 2018. Shortly after this high print, a big wave of selling kicked in. As a result, a very bearish daily candlestick was produced on 10th January. Daily sessions since this have closed in the red, apart from 14th January. TRX/USD managed to receive strong support on top of the breached pennant, providing some brief relief after the reversal was well underway. Despite the current trend south, news flow around the Tron foundation continues to be plentiful and upbeat.
OKCoin Supports TRX
As reported by the CCN team, OKCoin announced it has listed TRX on its trading platform. This coming via the exchange's Medium blog today. OKCoin detailed that "starting today, authorized OKCoin customers can deposit TRX, and starting on January 17th they'll be able to trade TRX against USD, BTC, and ETH." Of note, the OKCoin platform was founded by the same people behind OKEx; however, OKCoin primarily focuses on traditional swaps and allows for bank deposits. In addition, OKCoin accommodates U.S clients, whereas OKEx do not.
Justin Sun Welcomes New Partner ABCC Exchange
ABCC Exchange, a cryptocurrency exchange platform, announced it is partnering with the Tron Foundation. The company tweeted, "ABCC is the 1st exchange that will list TRX 10 tokens. We are one of the top exchanges with great security and user interface. Stay tuned!" On the back of this, Tron founder Justin Sun replied, "ABCC is truly an awesome platform that has witnessed great development. We are glad to partner with ABCC as it's the first exchange listing TRX10 tokens".
Technical Review – TRX/USD
Given the current downside momentum, eyes are on another retest the breached pennant pattern structure. Where the two trend lines cross, support will be sought here, which could see the $0.02000 territory come under threat. Should the bears manage to force a breach, then a prior action demand zone will be called into play, within the $0.01700 price region.
Disclaimer: The author owns Bitcoin, Ethereum and other cryptocurrencies. He holds investment positions in the coins, but does not engage in short-term or day-trading.
Featured image courtesy of Shutterstock.

subset: commoncrawl


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Personalised Cat Features White Bowl
This Personalised Cat Features White Bowl is the purr-fect accessory for your feline friend. A fun yet practical bowl, and one that is suitable for their food or milk!
A bowl you can make unique by personalising the front with their name using a total of 12 characters, this will be printed in uppercase alongside the I heart. A great gift for the cat lover and one that will look fantastic wherever it's placed. Perfect for a Birthday or Christmas gift for cats.
Product Details:
Bowl is ceramic.
Height: 15 CM
Width: 15 CM
Depth: 5.6 CM
Points To Note:
Double check your spelling and punctuation please, we cannot be held responsible for your mistakes. Thank you.
Personalised products are made especially for you and are therefore non-refundable, unless the item is faulty.
Please do not include accents and special symbols in your personalisation as some of our processes will not allow them. This includes accents above and below the alphabetical or numerical text.
If you wish to have any blank lines on your item, please enter a space using the space bar on the line(s) requiring blanks/no personalisation.


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BinaryCompatChecker 1.0.7
A tool to verify binary compatibility of a set of .dll files.
There is a newer version of this package available.
See the version list below for details.
See the version list below for details.
Install-Package BinaryCompatChecker -Version 1.0.7
dotnet add package BinaryCompatChecker --version 1.0.7
<PackageReference Include="BinaryCompatChecker" Version="1.0.7" />
For projects that support PackageReference, copy this XML node into the project file to reference the package.
paket add BinaryCompatChecker --version 1.0.7
The NuGet Team does not provide support for this client. Please contact its maintainers for support.
This package has no dependencies.
GitHub Usage
This package is not used by any popular GitHub repositories.


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Thanksgiving is right around the corner. If you're looking for something slightly different yet still traditional, try this recipe by The National Turkey Federation.
- WHOLE TURKEY, fresh or frozen (thawed): 12 Pound
- salt: 1 Teaspoon
- freshly ground black pepper: 1/2 Teaspoon
- TURKEY BREAKFAST SAUSAGE: 1 Pound
- chopped onion: 2 Cups
- French baguette (10 ounces), cut into 1-inch cubes: 1
- chestnuts, drained: 1 Can (15-1/2 ounces)
- chopped fresh parsley: 1/2 Cup
- dried thyme: 1/2 Teaspoon
- dried sage: 1/2 Teaspoon
- pepper: 1/2 Teaspoon
- TURKEY BROTH or reduced-sodium chicken bouillon: 1 Cup
- Raspberry Glaze: 1/3 Cup
- red and green grapes, washed and dried: As needed for garnish
Turkey Preparation:
- Remove giblets and neck from turkey; reserve for gravy. Rinse turkey with cold running water and drain well. Blot dry with paper towels.
- Sprinkle salt and pepper in the cavities of the bird.
- Fold neck skin and fasten to the back with skewers. Fold the wings under the back of the turkey. Return legs to tucked position.
Stuffing Preparation:
- In large non-stick skillet, over medium-high heat, saute turkey sausage and onions 5 to 7 minutes or until sausage is no longer pink and internal temperature reaches 165 degrees F. Drain, if necessary.
- In large bowl combine turkey sausage mixture, bread cubes, chestnuts, parsley, thyme, sage and pepper. Add turkey broth and stir to moisten.
- Lightly spoon stuffing into turkey or a (9-X 12-inch) baking pan, sprayed with vegetable cooking spray. (Cover casserole and bake at 350 degrees F for 45 minutes.)
Roasting Instructions:
- Place turkey, breast side up, on a rack in a large shallow (no more than 2-1/2″ deep) roasting pan.
- Insert an oven-safe thermometer into thickest part of the thigh, being careful it does not touch the bone.
- Roast turkey in a preheated 325 degree F oven about 3-1/2 hours (total roasting time). Baste with the pan juices.
- During the last 30 minutes of roasting time, baste the bird with the Raspberry Glaze.
- Continue to roast until the thermometer registers 180 degrees F in the thigh, 170 degrees F in the breast and 165 degrees F in the stuffing.
- Remove turkey from the oven and allow the bird to rest for 15-20 minutes before carving.
- Place on a warm large platter and garnish with green and red grapes.
- Serve with Peach Chutney and Cranberry Chutney.
Recipes and photo courtesy of The National Turkey Federation


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Birth/Adoption Parental Leave (BAPL) FAQs
If I am eligible for BAPL but not eligible for FMLA, am I still eligible for this benefit?
Eligibility for BAPL is not tied to eligibility for FMLA. Employees can qualify for BAPL if they meet the criteria listed in the policy.
I do not have two years of service at the onset of my leave. Will I be eligible for BAPL if I reach three years of service during my maternity leave?
The employee must meet the two years of benefits eligible service no later than the date that the benefit would normally commence.
Example #1:
Example #2:
Example #1:
Delivery: 1/16/2018
Scheduled Return from Leave: 4/13/2018
2 Years of Service: 2/13/2018
BAPL: Four weeks
Example #2:
Delivery: 1/16/2018
Scheduled Return from Leave: 4/13/2018
2 Years of Service: 3/27/2018
BAPL: 2 Weeks
How will I know I am eligible for Parental Leave?
When contacting the Hartford to set up your FMLA claim, they will have your date of hire to determine if you are eligible for BAPL. This information will be included on the eligibility letter they will send you.


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Faculty Advisor
Dollenmayer, David B.
This project addresses the use of computers in primary and secondary education in all subject areas: writing and reading, history and social studies, and math and science. It includes a comparison between the United States and selected Western European nations. Books and articles from the last decade will provide the background for the conclusions that will be drawn. The quantitative and qualitative success will be seen.
Worcester Polytechnic Institute
Date Accepted
January 2003
Project Type
Interactive Qualifying Project
Copyright Statement
Access to this report is limited to members of the WPI community. Please contact a project advisor or their department to request access
Restricted-WPI community only
Advisor Department
Humanities and Arts


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College of St. Joseph's women's basketball team travels to Auburn, Maine on Saturday, Jan. 26 to take on Central Maine Community College at 4pm. At 15-2 on the season, the Mustangs are currently ranked #2 in the United States Collegiate Athletic Association (USCAA).
The game marks the second time this season the two squads have matched up. On Nov. 11, CSJ hosted the Mustangs fell 93-54. The game was the Fighting Saints' third in four days. CMCC had four players score double figures, with Alex Bessey leading the charge with a game-high 22 points. Natalie Thurber shot 3-of-6 from 3-point range and 6-for-6 from the foul line on her way to a 17 point performance.
The Mustangs started the game strong, outscoring CSJ 3-12 in the first quarter. It was the second quarter that put the game out of reach, as the CMCC scored 28 points and limited the Saints to just 8. CSJ competed with CMCC in the third, losing the quarter by just one point, 25-24. The Mustangs won the final frame 17-10.
CMCC shot 42.5 percent from the field (34-of-80), 42 percent from 3-point range (10-of-24) and 79 percent from the free throw line (15-of-19). CSJ could not match the Mustangs' 10 made shots from downtown, only attempting 6 of their own and converting 2. Rachel Bruneel scored her only 3-point attempt and LaShaunte White accounted for the Saints' only other made three.
CSJ shot 34.5 percent from the field (20-of-58) and 70.6 percent from the foul line (12-of-17). Sabrena Eye led the Lady Saints with 14 points, 6 rebounds. Madison Akins recorded 10 points, 5 assists, 3 rebounds. Jayla Latham had 6 points, 5 rebounds and NaKeeya Goodman-Boddie had 4 points, 3 assists and 1 steals to go along with a team-high 6 rebounds.
As a team, CMCC is averaging a 45 percent field goal percentage. They also average 21.5 assists per game and 48.4 rebounds per game. Their two losses were at the hands of NCAA competitor Husson University (59-53) and UMaine-Fort Kent (70-61). Brooke Reynolds leads the Mustangs in scoring (12.3 ppg) and rebounding (8.9 rpg). Sister Jordyn Reynolds scores 9.7 ppg and pulls down 8.7 rpg. Thurber averages 10.1 ppg.
The Saints average a 36 percent field goal percentage. They average 13.5 assists per game and 46.3 rebounds per game. Junior guard Daija Black leads CSJ in scoring at 12.2 ppg. She leads in steals per game (2.5) and is fourth in rebounding at 5.6 rpg. Eye is second in scoring for the Saints at 11.7 ppg and second in rebounding at 6.6 rpg. Senior Goodman-Boddie leads the team in rebounding at 6.7 rpg and is second in assists per game (3.9).
Saturday's game will have a live video stream available at the following link: http://www.munzingmediasports.com/cmcc/


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A Hidden Life
It's one of the year's best and most distinctive movies, though sure to be divisive, even alienating for some viewers, in the manner of nearly…
It's one of the year's best and most distinctive movies, though sure to be divisive, even alienating for some viewers, in the manner of nearly…
Bombshell is both light on its feet and a punch in the gut.
Roger Ebert on James Ivory's "Howards End".
"The Ballad of Narayama" is a Japanese film of great beauty and elegant artifice, telling a story of startling cruelty. What a space it opens…
An article about today's noon premiere of a new movie about architect Benjamin Marshall at the Gene Siskel Film Center.
An article about the screening of Horace Jenkins' "Cane River" on Friday, November 1st, at the Academy Film Archive in Los Angeles.
Scout Tafoya's video essay series about maligned masterpieces celebrates Steven Soderbergh's Solaris.
An article about today's noon premiere of a new movie about architect Benjamin Marshall at the Gene Siskel Film Center.
An FFC on Gavin Hood's Official Secrets.
A celebration of Yasujiro Ozu, as written by a Far Flung Correspondent from Egypt.
A tribute to the Oscar nominated character actor, Danny Aiello.
Our contributors share their Top 10 lists for the best films of 2019.
Sam Raimi's "Army of Darkness" is a goofy, hyperventilated send-up of horror films and medieval warfare, so action-packed it sometimes seems less like a movie than like a cardiovascular workout for its stars. It makes the dubious claim of being a sequel to Raimi's "Evil Dead 2: Dead by Dawn" (1987), on the basis of a tenuous link: A cursed Book of the Dead found by the hero in that movie has sent him hurtling back through time to the Middle Ages, where this movie takes place. Uh-huh.
"Army of Darkness" stars Bruce Campbell, who also starred in the first two "Evil Dead" movies, and who looks like a square-jawed, muscular comic book hero. The movie itself looks storyboarded; one action sequence flows into another with only the briefest of pauses for elementary plot details.
Campbell plays Ash, who in real life works in a discount supermarket, but finds himself and his car deposited on a medieval battlefield, where before long Ash assumes leadership and leads his knights in warfare against an army of the dead. (There are more animated skeletons here than in any film since "Jason and the Argonauts.") The method of the film is simple. As many action and horror cliches as possible are trashed; the film does for medieval mythology and horror what "The Naked Gun" did for cops. Ash, you will recall, lost his left forearm in an earlier film, and has had the stump modified to act as a mounting for a chainsaw. He fires a shotgun with his right hand, and in case you're wondering how anyone could load a shotgun with a chainsaw, the answer is: It's not necessary, because the shotgun never needs loading.
Heads spin, body parts fly through the arm, geysers of blood shoot into the heavens, and Ash uses his old Chemistry 101 textbook to learn how to manufacture gunpowder, which is catapulted into the midst of the skeleton soldiers. Meanwhile, the beautiful Sheila (Embeth Davidtz) falls in love with Ash, during those interludes when she has not been magically transformed into a murderous harpy.
The special effects in "Army of Darkness" are ingenious and a lot of fun. The makeup is state of the art. So are the severed limbs, geysers of blood, etc. The movie isn't as funny or entertaining as "Evil Dead II," however, maybe because the comic approach seems recycled. Then again, the movie seems aimed at an audience of 14-year olds, who would have been 8 when "Evil Dead II" came out, so maybe this will all seem breathtakingly original.
The best films of 2019, as chosen by the staff of RogerEbert.com.
A review of three premieres from Telluride.
This message came to me from a reader named Peter Svensland. He and a fr...
The top 50 shows of the 2010s.


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Maybe this will be the year I make up for the tomato sandwich I didn't eat in 1993.
'Tis the resolution season and while it's common to vow temperance, pledging to forgo favorite foods in favor of physical and financial health, I've had a different perspective since 11th grade, when my Upper East Side high school took a spring break trip to Italy. Outside the Vatican my classmates lined up for gorgeous tomato sandwiches, gooey with golden olive oil on thirsty focaccia, that cost about $7. Planning to save my lire for a gondola ride, I skipped the splurge but begged my friend for a bite. "If you want a sandwich," she asked, mouth wisely full, "why don't you buy one?"
I went without and I've never forgotten it. My Moby Dick, my albatross, my one-that-got-away, it's haunted me ever since, and in honor of the Thing I Should Have Tasted, I'm still in hungry pursuit of meaningfully edible experiences.
So are a lot of people in this issue.
Some operate eateries dedicated to serving you their epitome of ideal eats, be that Chanterelle's foie gras on white tablecloths or Casellula's cheese-and-housemade-corn-nuts pairing.
Some search the world over to stock our city's market places. The Zabars, New York's first family of food, spent decades building two epicurean empires that have forever changed the way Manhattan eats. But modern mongers are joining the sourcing fray, too. We follow Aaron Isaacson, aka the Spice Man, as he plays Marco Polo to the city's most elite chefs, importing the likes of 80 different dried chilies and over 800 volatile oils. (He dresses the part, too.) And we get to know a Chelsea-based bean-to-bar company that makes chocolate so healthful and green it's embraced by diabetics and ecologists alike.
Not that one needs connections abroad to savor far-flung flavor. On a trip to the Upper West Side's Little Senegal we discover the marvels of millet, ginger-garlic paste and that most elusive of global ingredients: peanut butter. Meanwhile, downtown, Chef King of Kuma Inn reveals his favorite Chinatown sources and gives us a soup dumpling primer.
But like that tomato sandwich taught me, even everyday eats merit serious study. Brownies can be habit-forming. Milk holds many mysteries. And upstate, the winter call of maple syrup has brought "sugarmakers" out into the snowy woods for centuries.
Wine inspires the corkscrewy to pursue enophile adventures: Orwasher's coaxes sourdough starter from Long Island grapes; Rkatsiteli vines voyaged from the Black Sea to the Finger Lakes; and the search for cask-storage nirvana drove Manhattan's bottle barons to dig deep- into the subterranean warrens beneath Chelsea Market.
But for me, this issue's more exciting quest is that of two 11-year-olds' search for reel food. Advised by the likes of Michael Pollan and Dan Barber, a pair of seventh graders have just completed a film that poses a most elemental question: What's on your plate? Looks like they've learned the meaning of life much earlier than I did.
Melting pot at La Caridad, Upper West Side. Photo credit: Erin Gleeson.


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THIS IS AN OLD POST - click here for the 2019 Renter Manifesto
Generation Rent has today challenged politicians to offer the electorate ambitious solutions to fix the housing crisis, as we launch our Renters' Manifesto.
In the manifesto, which follows a public consultation, Generation Rent proposes:
- Reform of the private rental market, which currently fails the millions of renters now stuck there, with the right to a five-year tenancy and professionalization of landlords and letting agents.
- A new housing market that allows buyers to opt-out of rising house prices in return for a lower initial price.
- A new department with a remit to fix the housing crisis and save the taxpayer billions.
Nine million people in England – or nearly 4 million households – rent from a private landlord. Generation Rent has found that this figure has increased by an average of 180,000 households per year over the past decade as home ownership has fallen out of reach for more people. While mortgages for first time buyers were up by 50,000 in 2013 to 268,800 this is unlikely to reverse the long term growth of renting, especially with new rules that make it more difficult to get a mortgage and competition for houses from pensioners who will be free to use savings to invest in buy-to-let.
There are enough private renters with no party allegiance to overturn the majority in 86 constituencies at next year's General Election. This Manifesto offers political parties policies that will help them win over this newly important electorate.
Read the Manifesto and sign up to the campaign.
Reform "second class" private renting
Private renting is a second-class tenure, treated by government more as an investment vehicle for a small minority than a place to live for 9 million people. Despite policies to help renters into home ownership, the majority of us will be renting for many years to come. We need a place we can call home – something that owner occupiers take for granted.
Generation Rent proposes the right to a five year tenancy, which would give tenants greater confidence in dealing with their landlord and planning their finances and family life. Having the right to a longer tenancy would preserve the tenant's flexibility if they need to move to a larger home or for work.
Long term tenancies benefit both tenants and landlords who can not only better plan their finances but work together without suspicion to keep the property in good repair. The next government must enshrine the right to a long tenancy into law, otherwise letting agents will simply block them and continue to cream off renewal fees.
Tenants typically have contracts of 12 months, and landlords have the right to serve eviction without giving a reason. More than a third of private rented homes suffer from hazards to health and safety. Shelter has found that 213,000 renters were evicted last year after complaining about poor conditions. There is an urgent need for housing justice for renters.
With the number of families with children living in private renting having doubled since the credit crunch, from 625,000 in 2006/7 to 1,273,000 in 2012/3, there is even greater urgency for the government to ensure children have a safe and stable upbringing.
In the Renters' Manifesto, we call on political parties to promise this newly important electorate a Landlord and Tenant Act which will create a private rented sector fit for the twenty-first century, with:
- The right to a five-year tenancy, with flexibility for the tenant
- A national register of landlords to help government improve standards and tackle rogue landlords
- Licensing of letting agents to bring the profession into line with estate agents
- Reform decency standards and require landlords to prove they meet them
New housing market to enable people to opt out of the bubble
As speculators have snapped up London's houses, prices have risen so far people living and working here have simply given up on ever buying a home. Most people want to buy somewhere to live, not something they can flip for a profit.
We propose that the government starts to build houses that can only be sold on for a limited increase in price, which would deter speculators and ensure that people could buy a home for little more than the cost of building it.
With an initial budget of £1 billion of public money, the secondary housing market would allow 10,000 homes to be built on state-owned land and sold leasehold at very near cost price. Properties would be sold to owner-occupiers on the condition that any future sale price would not rise by more than inflation, and to landlords on the condition that rents would be controlled. The proceeds of the sales would continue to finance the building of more houses under the same model.
For a very small up-front cost for government, such a policy could bring tens of thousands of new homes to market, without having to draw further from the Treasury.
This alternative to the free market would help people on ordinary incomes who are priced out of the open market to access home ownership, and boost the availability of genuinely affordable rented housing. It would also provide downward pressure on house prices and rents in the wider market and help to prevent future bubbles, while lower rents would enable social tenants to move to a more appropriate home, and free up council housing.
Read more here.
Cut housing benefit bill with new Department for Housing
The problem of unaffordable housing will never be solved when three departments are responsible for different parts of the housing sector, at least six more are affected by housing issues, and the minister for housing is on the lowest rung of the ministerial ladder.
A Secretary of State for Housing would bring house building, housing benefit, construction and building regulations under one roof and ensure that public money is used more efficiently.
Currently house building is the responsibility of the Department for Communities and Local Government which has a budget of £1.13bn through the Affordable Homes Programme, but the Department for Work and Pensions spends 19 times that - £21.2bn a year – on housing benefit in England. Hazardous housing conditions also increase the costs to the NHS by £600 million according to the Chartered Institute for Environmental Health.
Since 2010, almost 100,000 homes have been built by local authorities and housing associations in England, but during the same period the number of housing benefit claimants increased by 227,000, meaning that public subsidy ends up in the hands of private landlords.
Despite the recovery the number of workers claiming housing benefit has increased from 650,000 when the Coalition took power to 1,050,000 today. With the housing benefit bill predicted to keep on rising, a single department could be funded to spearhead a major house building programme. By making these homes available to new benefits claimants being housed by local authorities, such a move would immediately start to bring down the welfare bill.
Generation Rent envisages that a single Housing Department would take over responsibility for construction – a policy currently in the remit of the Department for Business, Innovation and Skills – while ensuring other Departments consider housing issues as part of their work, and can refer to a consistent government voice on housing to help find solutions:
- Health – poor conditions in housing can cause respiratory problems and accidents
- Education – children's education can suffer from an unstable home life, and this issue is growing as more families are stuck renting privately
- Energy and Climate Change – homes play a central role in improving the country's energy efficiency
- Environment, Food and Rural Affairs – any work to prevent and respond to flooding must focus on homes
- Transport – new housing could be planned around major infrastructure projects
- Treasury – as the economy recovers, effective management of the mortgage market is essential
Read the Manifesto and sign up to the campaign
Metro, 17 June, page 4
London Evening Standard, 17 June
Times, 18 June, page 12 (£)
Guardian, 18 June
Showing 7 reactions
Daniel Wilson Craw published this page in Blog 2019-11-04 15:15:43 +0000
Pat Elliot commented 2018-08-24 11:39:19 +0100SOUNDS FAIR
Caroline Hope commented 2018-05-06 06:32:55 +0100I believe this to be fair.
Mohamed Elhosary commented 2016-04-23 18:54:43 +0100Can you tell me please how much i have to pay to rent big house enough for big family from dad , mom and 5 kids in the capital London.
Anonymous commented 2016-01-13 11:14:10 +0000I believe that first of all investment is required in the field of education. Online educational projects that are so popular nowadays are not that expensive to launch. (more about online education you may learn at http://online-degrees.zohosites.com/ .)
Betsy Dillner commented 2014-06-20 13:30:59 +0100Thank you for sharing your story Jeanne and the work to you do to help other vulnerable adults. Please do get in touch to see how you can get involved to make awful experiences such as your a thing of the past. firstname.lastname@example.com
Jeanne James commented 2014-06-18 18:13:42 +0100Evicted for a third time for a quick sale, told there's no chance I'll ever get a council flat, despite in constant surgery and treatment, I welcome more security for tenants. Women's refuge found my first flat after serious domestic abuse. I was evicted after less than a year for a quick sale. After 14 years good tenancy in my next flat, and improvements to the community with a children's play area and cycle racks, I was evicted again in order for the landlord to double the rent; he knew I couldn't afford it; he had been putting the rent up twice a year. I've been evicted again after less than a year, having told the landlord on moving in that I only wanted a long term tenancy as surgery and health will not take another move. I asked to do improvements, spent over £2,500 and then was evicted so they could sell. I may get my money back but with more shoulder surgery next week, a month before I have to be out, I have no confidence or security in the private renting sector. It is absolutely criminal that landlords can treat tenants in this way; it effects the very foundations of confidence and security.
I run a charity for vulnerable adults, which is difficult in the best of times, ruthless landlords and useless council policy is effecting not just me in their decision to not allow a council flat but scores of others I attempt to give a service to.


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COPENHAGEN (Reuters) - A Danish family has established contact with two relatives who went missing after the Easter Sunday attacks in Sri Lanka, Ritzau news agency said on Wednesday, citing Denmark's foreign ministry.
Denmark's ambassador to India said earlier on Wednesday that relatives and authorities had been trying unsuccessfully since Sunday to establish contact with the two Danish citizens, who had checked into a hotel in Sri Lanka's capital Colombo.
However, they were at a hotel that was not affected by the blasts and are both unharmed, the ministry said after speaking to their relatives.
Three Danes are already confirmed dead in the blasts, which killed 359 people and wounded about 500 more at churches and hotels. Denmark's richest man Anders Holch Povlsen and his wife lost three of their four children in the attacks, a spokesman for Povlsen's fashion firm said on Monday.
Reporting by Jacob Gronholt-Pedersen; Editing by Catherine Evans


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5 Tools (Apps) to Post Better Video
Video is the hottest trend in social media and marketing today. Posts and ads containing video receive more views and engagement than any other type of post. We've talked a lot about video before, but if you're just getting started check out our "Dos and Don'ts" post and if you want to see some examples…Read
5 Automation Tools for Real Estate Agents
Looking to be more efficient with your time this year? Put tasks on autopilot with these five time-saving tech tools. Zapier Zapier can be used to sync and automate almost anything you can think of by creating "zaps." For real estate agents, useful zaps might include "every time I post to Instagram with the…Read
Want to rank higher on Google? Thinking of shelling out some serious cash to an "SEO expert"? Before you do, try these 9 DIY SEO tactics that will help you get seen online without spending a dime. Optimize your site If you take the following actions, more people will be coming to your website….Read
Real Estate in the Year 2037
For fun, let's imagine what our industry might look like 20 years from now. Chances are, at least some of you will still be in the business, so a trip to the future will be helpful! Okay, we've set the dials to 2037. Our time machine is revving up. Everything is spinning. And then, suddenly,…Read
Blogging Made Easy
Does the "blog" section on your website domain look blank? Maybe a few "check out this open house" posts, but nothing more? Or maybe you write occasionally, but just can't think of anything new to write about? And who has the time for that anyways?…You've got houses to sell! These tips will help you figure out what…Read
The Do's and Don'ts of Using Video in Your Real Estate Business
More video content is uploaded to the internet in 1 single month than TV has produced in 3 decades.1 It's estimated that a third of all online activity is spent watching video.2 This is a market we all need to tap into. Still, there are many sales professionals who either aren't utilizing video at all or…Read
5 REALTORS® Who Are Doing Video Right
RRI coaching members are extremely talented and we're always excited to feature them. Video is hot (and here to stay) so I thought I'd show you some creative videos our members have produced and break down what they're doing right. Here are 5 RRI coaching members (who are active real estate professionals) and their incredible…Read
5 DIY Tips to Jazz up Your Website
Is your website helping or hurting you? Let me start by asking you this question: When you're thinking of hiring someone for a job (a contractor for instance), what is the first thing you do when vetting this person or organization? You "Google" them and visit their website, of course! So, you'd better believe your…Read
The 5 Apps All Top Producers Use
I'm sure you would agree that your smartphone can at times be a major distraction to your personal and business life. However, the positive effects it can have on your life can outweigh the negatives. There are over two million apps available for Andriod and iOS, and with all those options it can be overwhelming…Read
5 Posting Tips for Facebook
With roughly 1.71 billion monthly active users and the average person spending 50 minutes a day on Facebook, there is tremendous opportunity to become the main source of real estate news for the people who like and follow your Facebook page. Here are a few tips to make the most of your business page, without…Read


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Eaton County Fair & Rodeo 2018
July 8th
NEW – Rodeo with Men's Bull Riding and Women's Barrel Racing
July 9-14
Monster Trucks, Moto-Cross, Harness Racing, Truck & Tractor Pulls & Mud Bogs
Live Action events are the highlight of the 2018 Eaton County Fair in Charlotte! The fair features an assortment of Grand Stand Events, 4-H Animal Competitions, Midway rides & games & carnival food. Pricing details & specials are available at: eatoncountyfair.com
The Carnival Midway is open afternoons and evenings every day of the fair.
Special Grand Stand events:
Pre- Fair Events
Friday, July 6th & 7th – 5:00pm - Harness Horse Racing
Saturday, July 7th - 4:00pm – Overweight & Heavy Weight Horse pulls
Sunday, July 8th – 7:00pm – Rodeo, Bull Riding and Barrel Racing
Grand Stand Fair Events
Monday July 9th – 7:00pm – Monster trucks, Mega trucks & Tuff Trucks
Tuesday July 10th – 7:30pm - TNT Demo Derby
Wednesday, July 11th – 7:00pm – Moto-Cross
Thursday, July 12th – 7:00pm – Truck & Tractor Pulls
Friday, July 13th – 7:00pm - Truck and Tractor Pulls
Saturday, July 14th – 6:00pm - Mud Bogs
Source: PRESS RELEASE


text: There isn't much else I can say about this beautiful couple other than OH. MY. GOSH. When I shot Radlin & Miashka's engagement session up in JHB, I knew then and there that their wedding would be a very special day. I wasn't wrong. They are such lovely people who were so relaxed and natural in front of the camera. That, along with their wonderful, friendly and loving family and friends who celebrated their special day with them made for one of the most memorable shoots of my career so far.


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Location: The Mill Dam near the Faust St. Bridge in New Braunfels, Texas. This dam was built in 1921...
Tag Archive for: dam
Home dam
Snap New Braunfels - Amazing photos of New Braunfels area and Texas Hill Country!
Recent Pics
bavarian maypole best bluebonnet bridge water new braunfels canyon lake cave christmas comal river comal springs dam ducks face fall festival flower guadalupe Johnson City kayak landa landa park landmark lcra leakey leaves lights Ranch Road rebecca creek redbud river rope swing snb pick springs stalagmites sunset swim tree twisted sisters waterfall


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Cars.com Picks the Top 10 Hybrids for 2008
Cars.com recently released its list of the top 10 2008 model year hybrid vehicles on the market. The website says it hopes ratings and rankings methodology will help consumers get a clear understanding of these vehicles' fuel-efficiency and price differences compared to their non-hybrid counterparts.
"Hybrid rankings have often been simplistic," Cars.com senior editor Joe Wiesenfelder said. "Most are little more than lists of the highest-mileage models on the market. Here, we ranked hybrids based on how much fuel savings they get when compared to their non-hybrid version, as well as how much all that saved gas is going to cost you, since hybrid models always command a premium price."
Cars.com developed its rankings on the premise that most hybrid shoppers are looking for efficiency first, followed closely by price. All hybrids were compared to the lowest-priced, most-efficient gas-only trim level in their model line. The rankings then took into account the hybrid's mileage and price premium, in percent, as well as its suggested retail price. The 2008 Saturn Vue Green Line was ranked second behind the Toyota Prius, while the Aura Green Line was rated 9th on the list.
"Examinations that compare hybrids to 'comparably equipped' versions miss an important point. Hybrids are almost always among the most expensive trim levels, if not the most costly," Wiesenfelder said. "We know that not all buyers are willing to pay the premium for the sake of driving a hybrid. There needs to be a payoff, so our ranking highlights those hybrids that give buyers the greatest return for their investment."
Here's what Cars.com had to say about the Vue Green Line: Dramatic mileage boosts get all the attention, but Saturn is onto something with this mild hybrid approach. The current Vue Green Line's premium over the lowest-priced gas-only version is modest – only 14%. All the same, its city and highway mileage increases are 32% and 23%, respectively. What's more, it's priced below the V6 version, whose mileage it roughly doubles. The only drawback: The Vue is the only hybrid SUV not to offer all-wheel drive. A second Green Line with 2-Mode technology is coming late in 2008 as a 2009 model.
The website also had good things to say about the Aura Green Line as well: Known as a mild hybrid, the Aura Green Line delivers modest mileage improvements over the four-cylinder Aura – 9% in the city and 7% on the highway – but its price premium is a mere 12%. Chevrolet will soon also market a mild hybrid version of its Malibu. Later on, 2-Mode hybrid versions of each are expected to join or replace them, adding efficiency and cost.
Top 10 Hybrids for 2008
1. Toyota Prius ($21,100) - 48/45 mpg (EPA-estimated city/highway)
2. Saturn Vue Green Line ($24,170) - 25/32 mpg
3. Honda Civic Hybrid ($22,600) - 40/45 mpg
4. Toyota Camry Hybrid ($25,200) - 33/34 mpg
5. Lexus RX 400h ($41,280) - 27/24 mpg
6. Toyota Highlander Hybrid ($33,700) - 27/25
7. Ford Escape Hybrid ($26,505) - 34/30
8. Chevrolet Tahoe 2 Mode Hybrid ($49,590) - 21/22
9. Saturn Aura Green Line ($22,140) - 24/32
10. Lexus GS 450h ($54,900) - 22/25
Source: Cars.com
Random Article from the SaturnFans.com Archives
Saturn to Keep Its European Focus, GM Vehicle Lineups Will Likely Get Smaller
Chevrolet and Cadillac have been getting a lot of press lately as GM's mass-market brands for mainstream and luxury vehicles, respectively. That's left folks with a lot of questions about the other brands situated in the middle of GM's portfolio. You might have even been asking yourself: is there a plan being executed here, or is a GM making things up as it goes along?


text: Does anyone know if any of the new HTC phones coming out this christmas/1st quarter will have a Super AMOLED screen? I held up a droid x next to a fascinate the other day and the fasc. blew the x's screen out of the water IMO... the colors looked faded on the X


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Based on carrier delivery time estimates. Fireworks is not responsible for delays due to inclement weather.
Additional information…
For rush delivery, order by phone, toll free: 1-855-805-3036.
From birthday to grad parties, anniversaries to New Year's Eve, celebrate any occasion with golden sprinkles of joy! Sparklers are great as cake toppers, gift packaging, adornments or attached to special cards.
Browse all products by this artist
For assistance or rush delivery, call toll-free 1-855-805-3036
© Fireworks Galleries


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From George Washington to Major General Stirling, 19 January 1777
To Major General Stirling
Morris Town Jany 19th 1777
My Lord,
A report is currt here wch gives me much pain. it is, that in consequence of some Orders of your Lordship, or dispute with the Militia, five or Six hundred of them have gone home in disgust—turn'd others back which were coming on and spread universal uneasiness and dissatisfaction as they travel'd.1 I hope the report is without foundation; unhappy will it be for us if it is not, when we stand so much in need of Men to supply the places of those who are leaving us daily. It has been our great misfortune to have too much to do with Militia but while the necessity exists the most should be made of them. a people unused to restraint must be led, they will not be drove—even those who are ingaged for the War must be disciplind by degrees. we must not expect the same ready obedience therefore from new, as from old Troops accustomed to obey.
I would have your Lordship with such Troops as are with you, proceed immediately to this place, collecting as you come on, all the straglers belonging to the Regiments now in this Qr especially the Continental ones. send forward to advise me of your approach—your numbers & Corps. I am with sincere esteem and regard Yr Lordships Most Obt Servt
Go: Washington
ADfS, DLC:GW; Varick transcript, DLC:GW.
1. For the dissatisfaction among the Pennsylvania militia over Stirling's orders concerning the supplying of the troops, see the Pennsylvania Council of Safety to GW, 16 January.


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Numerical Mathematics and Advanced Applications
Proceedings of ENUMATH 2005, the 6th European Conference on Numerical Mathematics and Advanced Applications Santiago de Compostela, Spain, July 2005
- Editors
- (view affiliations)
This book collects the major part of the lectures given at ENUMATH 2005, the Sixth European Conference on Numerical Mathematics and Advanced Applications, that took place in Santiago de Compostela, Spain, from July 18 to 22, 2005. It contents text of invited speakers, and a selection of papers presented in minisymposia and
contributed sessions. Topics include applications such as atmosphere and ocean, water
pollution, electromagnetism, interface problems, waves, finance, heat transfer, unbounded domains, numerical linear algebra, convection-diffusion, fluid-structure, plates, solids, hyperbolic equations, multiphase flow, Navier-Stokes, singular perturbation problems, non linear PDE, control, parabolic equations, as well as methodologies such as a posteriori error estimates, discontinuous Galerkin methods, multiscale methods, optimization, adaptive methods, domain decomposition techniques, exponential integrators, hp-finite elements, level set methods, fractional step methods, penalty procedures, and finite volumes. The book gives an extensive overview of the most recent research in scientific computing, providing to the reader the latest developments concerning the mathematical issues and the applications of this active field of science.


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Made a soup today with the vegetables I'd got lying around in the fridge! Not the prettiest soup but tastes pretty good!!
1 large onion, roughly chopped
glug olive oil
2 carrots, sliced
2 medium potatoes, diced
2 leeks, halved and sliced
handful asparagus, chopped into 2cm pieces
1 celery stick
handful broccoli, chopped into small florets
handful of cauliflower, chopped into small florets
2 cloves garlic, sliced
1 litre chicken or vegetable stock, made with one cube
salt and pepper
Chop all the vegetables. Heat the olive oil in large pan and fry off all the vegetables for 5-10 minutes. Add the stock, simmer for half an hour. I put the lid on for half the time then left it off for the last half. Season. Enjoy!


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This terminator represents the external view of an individual vehicle. It includes vehicle characteristics such as height, width, length, weight, and other properties (e.g., magnetic properties, number of axles) that allow an individual vehicle to be detected and measured or classified. This external view of an individual vehicle is also used as a source of visible data that supports individual vehicle imaging requirements in the architecture.
ITS subsystems at the roadside sense these characteristics and generate ITS data flows. These individual vehicle characteristics are important for toll collection, parking management, and other applications that identify and measure individual vehicles. See also the related "Traffic" terminator which represents physical characteristics of many vehicles in the aggregate that is measured for general traffic applications.


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Directories provide a searchable database of other healthcare entities that the user may communicate with. At present CGM LIFE supports three types of directories:
Directories contain the address and contact data of the respective entities. CGM LIFE provides a fast full-text search on this data, making it easy to find a practice of pharmacy by part of its name. In addition, CGM LIFE offers search based on geolocation. This enables your application to offer lookups based on the current user's location, quickly displaying the next doctor or pharmacy in the surrounding area.
Even more, directories contain references to additional services that are offered, either through CGM LIFE or separately. For example, the practice and pharmacy directories will contain direct links to the CGM LIFE eSERVICES. You can even filter on this information, for example, if you only want to search for doctors that offer immediate online appointment scheduling.
Directories also contain information about opening times and services that are offered on location, e.g. rental of baby balances or measuring of blood pressure in a pharmacy.
All directories are maintained and updated on a regular basis.
For further information, you can dive into our Directory details.


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Peter Tremayne con The Second Death (Sister Fidelma, #26)Peter Tremayne, highly acclaimed author of The Devil's Seal and Atonement of Blood, returns with The Second Death, his new Celtic mystery featuring super-sleuth Sister Fidelma.
Ireland, AD 671. The Great Fair of Bealtain is almost upon the fortress of Cashel, and a line of painted wagons carries entertainers to mark the occasion. But preparations take a deathly turn when one of the carriages is set alight, and two corpses are found, lying poisoned, within.
As Sister Fidelma and her companion, Eadulf, investigate, they are quickly plunged into the menacing marshlands of Osraige - where the bloody origin of the Abbey of Cainnech is wreaking his revenge.
What is the symbolism of the Golden Stone, and who are the mysterious members of the Fellowship of the Raven? Fidelma and Eadulf must face untold mortal danger before they can untangle the evil that strikes at the very heart of the kingdom.


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Retro Records
Call (760) 375-4858Directions
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Retro Records is here to serve the Indian Wells Valley (and beyond!) with a great selection of New and Used CD's and Vinyl. We try and carry a representation of all genres of music. If for some reason we don't have what you desire, we can order it for you at NO additional cost.
Business Hours
Monday 10:00 AM - 6:00 PM
Tuesday 10:00 AM - 6:00 PM
Wednesday 10:00 AM - 6:00 PM
Thursday 10:00 AM - 6:00 PM
Friday 10:00 AM - 6:00 PM
Saturday 11:00 AM - 6:00 PM
Sunday Closed


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Contact: Scott Holste, (573) 751-0290
Channing Ansley, (573) 751-0290
July 8, 2014
Gov. Nixon vetoes two bills defining captive deer as livestock
Governor points out Missouri Constitution gives Conservation Commission sole regulatory authority over wildlife; says bill provisions are clearly unconstitutional
COLUMBIA, Mo. – Gov. Jay Nixon today vetoed two bills that would have redefined the term "livestock" to include captive deer in order to eliminate the role of the Missouri Department of Conservation in regulating white-tailed deer. The Governor said those provisions of Senate Bill 506 and House Bill 1326 would go against longstanding successful conservation practices and also would clearly violate the Missouri Constitution, which gives exclusive authority over game and wildlife resources to the Missouri Conservation Commission.
"For more than 75 years, our Department of Conservation has been held up as a model for wildlife management agencies across the country because of its incredible success," Gov. Nixon said. "Redefining deer as livestock to remove the regulatory role of Department defies both its clear record of achievement as well as common sense. White-tailed deer are wildlife and also game animals – no matter if they're roaming free, or enclosed in a fenced area."
In his veto message, the Governor cites the exclusive authority of the Missouri Conservation Commission provided by the Missouri Constitution under Article IV, Section 40(a). He also said that under the stewardship of the Missouri Department of Conservation, the state's population of white-tailed deer has grown from fewer than 2,000 in the early 1930s to an estimated 1.3 million today, and that the 500,000 deer hunters contribute $1 billion to Missouri's economy.
"Growing and managing our deer herd and fostering the hunting opportunities that we enjoy takes hard work and sound science, and the Department of Conservation should be commended for employing both to preserve this important part of our heritage, not stripped of its authority to do so in order to protect narrow interests," the veto message reads.
Gov. Nixon noted that "it is unfortunate that the legislature insisted on amending this unconstitutional provision to two pieces of legislation that otherwise contain worthy provisions advancing Missouri agriculture."
The Governor discussed his actions on the two bills at a special meeting today of the Missouri Conservation Commission in Columbia. The veto message on Senate Bill 506 can be found here, and the veto message on House Bill 1326 can be found here.
Follow the Governor on Twitter @GovJayNixon
Scott Holste
Press Secretary for Missouri Governor Jay Nixon


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What can I say? I like Brennan Fruge's site design. The concept is fun and fresh and stays consistent and the navigation is easy. Visually interesting, I actually enjoy rolling over the icons to see what appears. The site is simple, but not in a bad way. It expresses creativity and a touch of humor without having to go over the top (like those sites filled with tons of meaningless animations). In my opinion, it's just really well done. The content is worth clicking through too. The only issue I can think of is that I wish there was an image viewer for the drawing and painting section like there was for the others. Although, that really didn't stop me from looking at each one. You can find out a little more about the actual person, Brennan Fruge, by viewing his resume.
Here are a couple of my favorites from the site.


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This item is not available for purchase online. Please call (513) 843-5739 to order.
Product Highlights
The KS212C from QSC, is a single-box powered cardioid subwoofer solution for mobile entertainers, AV production and rental professionals, as well as modestly-sized performance venues. The subwoofer features a 3600W Class-D amplifier module that powers two 12", long-excursion drivers in a dual 6th order band-pass design that creates a cardioid polar pattern with -15 dB SPL attenuation front-to-rear. The unit offers a frequency response of 44 to 104 Hz (-6 dB) with a peak SPL of 132 dB (@ 1m).
Typically, subwoofers are omnidirectional, radiating in all directions. This results in a build-up of low frequencies on-stage and wasted LF energy at the rear of the system. Sound engineers found a way to create a cardioid (heart-shaped) polar pattern, which removes much of the low energy at the rear of the subwoofers. Unfortunately, this system required the use of subwoofer arrays with multiple enclosures, clever placement, and processing of delay and polarity to redirect the energy.
The KS212C provides all the benefits of a cardioid subwoofer array, but without the headache of multiple enclosures and outboard processing. The single subwoofer can be deployed in a vertical or horizontal position and features M20 speaker pole fittings in either position, while the 15mm Baltic birch enclosure features a rugged paint designed for long-life and lasting durability. The rear panel offers a LCD control module with variable crossover and savable and recallable scenes, as well as Intrinsic Correction tuning and loudspeaker management. There are two combo XLR-1/4" inputs and two XLR "Pass-Thru" outputs. The KS212C ships with a locking IEC power cord.
|Dual 6th order bandpass cardioid subwoofer
|LF Transducer: 2 x 12.0" / 304.8 mm, cone
|Frequency Response
|Frequency Response (-6 dB): 44 - 104 Hz
|Frequency Range
|Frequency Range (-10 dB): 39 - 118 Hz
|Nominal Coverage Angle
|180˚ cardioid (15 dB rear rejection @ 70 Hz)
|Maximum SPL
|132 dB @ 1 m, peak
|Class-D: 2 x 1800 W (peak)
|Low-noise, variable speed fan
Rotary encoder
2 x selection buttons
|2 x power LEDs (front and rear)
Input signal LED
Limiter active LED
|2 x locking combo XLR-1/4" / 6.35 mm
2 x XLR-M (Loop-thru Output)
1 x locking IEC power connector
|AC Power Input: Universal power supply 100 - 240 VAC, 50/60 Hz AC Power Consumption: 1/8th power
|0.7" / 18.0 mm birch plywood
|Internal woofer cover
|Compliance Regulatory
|CE, WEEE, UL, China RoHS, RoHS II, FCC Class-B
|Dimensions (H x W x D)
|24.0 x 15.0 x 33.5" / 609.6 x 381.0 x 850.9 mm
|88.4 lb / 40.1 kg
|Packaging Info
|Package Weight
|88.4 lb
|Box Dimensions (LxWxH)
|38.0 x 27.0 x 20.0"


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Today, in an all new session of THE READING ROOM, we are going to review The Princess in Black by Upendra Dharamadhikari and Changali Anand
Book Description: The Taj Mahal is going to be blown off, and with it the visiting ex-President of USA. Or so has been impeccably planned by Major Salim Khan, an undercover ISI operative. The only clue that the intelligence agencies have is the enigmatic Object No. 27, a rare Mughal relic that they don't have much information about. History Professor Narayan Shastri, along with the best men from Indian Intelligence, try to unlock the code. And then there is Saima, the mysterious beauty who found Object No. 27 in the first place. She and Professor Shastri travel through the annals of a history rich with deceit- bloody battles of conquests; the satin veil of treachery; and even the elegant, imperious walls built of red sandstone and white marble- to know more of the impending attach, and each other more deeply. Can they stop Major Khan from unleashing his act of terror on the marble monument of love? Precious hands of time are ticking away: Tick. Tick. Tick.
My View: Rare Mughal Relics, guns and swords against the backdrop of the Taj Mahal gives this book the much needed feel. The subtitle, after reading the blurb; seems much more intriguing to all kinds of readers. To comment on the title of the book; I want to say that at first glance it emerges loads of expectations from the readers but though the 'Princess in Black!' stands for a much deeper meaning inside the book, the title didn't seem much apt for being the title of the book.
When I started this book, I had many thoughts in my mind, and loads of expectations; especially when I know that this is a co-authored book; I wanted to indulge in the book as soon as possible. As I turned the pages, trust me on this, I fell in love with the world of the Mughal era the authors have described. The first chapter, marking the introduction of Professor Narayan Shastri brought a smile on my lips and lit up my face like a bright star.
The mystery and the charm of the book kept me interested throughout the book and I believe that is one of the plus points of the book. It is in itself a very big insight to the period of Mughal dynasty and that brings to the readers a very interesting view of history. I loved the way the whole book has been narrated. The characterizations seem to be perfect according to the plot. With very measured characters and very to the point scenes this book is a wonderful read.
If I speak of the plot, the plot is interesting but I felt that towards the end, the authors couldn't hold up the mystery. Maybe to a certain range of readers it would feel perfect but to the readers who have read ample number of mythological thrillers, it might seem weak. Though certain very clear points were there which the protagonists missed and that can make the readers go "oh shit!" but it covers up at the end. The readers know what is going to come but when it comes, it feels good. The end leaves the readers with a smirk!
Apart from that, there were a few negligible grammatical errors which may slower the speed of the book a certain places. All in all, keeping all these things in mind; this book is surely a one time read!
My rating: 4/5
Title: The Princess in Black!
Author: Upendra Dharmadhikari and Changali Anand
Genre: Fiction, Mythology, Mystery
Publisher: Shrishti Publications
Buy this book online http://www.flipkart.com/princess-black-unheard-story-mughals-english/p/itmdyft2fdfpggug?pid=9789382665212&otracker=from-search&srno=t_1&query=The+Princess+in+Black&ref=9ce4747d-1ede-40a4-a7b8-81c6f156201d
So here we come to an end to today's session of Reading Room
Reviewed By: Sharanya aka Vanya (Team WordBite)


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The Minister of Foreign Affairs of the Republic of Poland in cooperation with the Minister of Science and Higher Education of the Republic of Poland has announced enrolment for a new scholarship scheme, which is named after an outstanding Polish mathematician – professor Stefan Banach.
Stefan Banach is considered to be one of the most recognisable Poles in the world. The creator of the functional analysis, the co-founder of the Lviv School of Mathematics and at the same time a man, with an unusually colourful biography, that to this day inspires young and old. Trying to underline Stefan Banach's numerous contributions to the global development of science The Ministry of Foreign Affairs has decided to entitle a new scholarship scheme with his name.
The Stefan Banach Scholarship scheme will be offered at the postgraduate level for the following types of academic degrees: technical, environmental, scientific, economic as well as for students studying European law/studies at any Polish public university. Following the first year of studies participants will be able to take part in student exchanges through the Erasmus Programme. During their Polish university experience scholars will also have the opportunity to undertake a short-term graduate internship within the Republic of Poland, as well as to participate in a summer Polish language course, prior to the beginning of the studies.
The coordination of the Stefan Banach Scholarship Scheme is ensured by the Bureau for Academic Recognition and International Exchange. Detailed conditions of the Scholarship Scheme are included in the notice of enrolment.
Initially 50 students will be admitted for the 2013/2014 academic year. The deadline for the applicants is on the 21st of June 2013. Enrolment results will be announced on the 2nd of August 2013.
More detailed information can be found on the website of the Bureau for Academic Recognition and International Exchange, which coordinates the implementation of the scheme: www.buwiwm.edu.pl.


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M435 Sollerön, 16 km SW Mora
Nice, private owned cabin in the holiday village Sollerö Semesterby. Close to Lake Siljan, ski lift on mountain Gesundaberget, Santa World in Gesunda and the golf course on Sollerön.
M435 Sollerön. Private owned cabin i the holiday village Sollerö Semsterby. 26 sqm, 4 beds.
Living room with a bunk bed and a sofa bed. Dinging space. Cooking area with stove with oven, fan, fridge and a small freezer, microwave, coffee maker, kettle, toaster. TV.
Shower and toilet.
Outdoor furniture, barbecue.
This is bookable against additions: bed linen and towels, final cleaning.
No smoking! Pets are welcome!
Please bring bed linen and towels unless you have paid extra for this supplement.
Swimming Lake Siljan 200m. Ski slope, Santa World 4 km. Golf course 500m.
Facilities and service
- Pets allowed
- Final cleaning can be purchased
- Bedlinen for rent
- Close to lake
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Didier Drogba admits he started thinking about life after playing some time ago, and settled on the Phoenix Rising project in the lower leagues in the United States because of the enormous potential the opportunity offers.
The Phoenix club are one of 12 sides chasing four places in the upcoming Major Soccer League expansion, and with a global icon like Drogba on board as a co-owner they have some heavyweight backing.
The former Chelsea and Ivory Coast star has finished the season with the club this past weekend as they were ousted from the play-offs on penalties by Swope Park Rangers from Kansas.
Whether that will be the end of his illustrious playing career that includes a UEFA Champions League title and four English Premier League winners' medals, among others, remains to be seen.
He has hinted he could play on into his 40s next season, but also left the door open to call it quits.
"Sad things ended this way, but so proud of my team @phxrisingfc and what we've achieved in such a short period of time," Drogba wrote on his Instagram account after the weekend playoff exit.
"From building a stadium in fifty-two days, the first home game, to this last playoff game today, you've been fantastic my people!!!!!
"Not even a year old in this league and teams fear us, I have to say that it is an honour to be part of this organization!!! Special thank-you to the fans for their support, home and away, you guys are the best!!!! See you next season."
Whether "see you next season" means on the pitch or in the boardroom is the question on everybody's lips, but what is clear is that Drogba is now focused on life as an owner and administrator.
"When I had this offer, I was thinking, 'Well, I have been a player before, but never an owner', so its a good challenge," Drogba tells KweséESPN in an exclusive interview in Phoenix.
"It's interesting for the future as well and what I would possibly want to do when I stop playing. I am going to be 40 next March, so it's about time to think about what's next; to apply what I was thinking a few years ago.
"The plan is going well; this opportunity is amazing because it puts me straight into what I want to learn. I enjoy more the fact that I am learning a lot about the other side of the game, which is very important."
Drogba is part of a large ownership group at the club that has been assembled with the aim of winning a spot in the MLS. Phoenix is the fifth largest city in the USA and a major media market, which the club hopes will count in its favour.
It also has a new permanent stadium 'shovel-ready', while attendances at its 'pop-up' temporary venue this season have been close to 100 percent capacity.
"It's an amazing project here, to build a team from scratch and apply for an MLS license," Drogba adds. "To be part of the biggest league in America, it's a good challenge.
"I played before in this league [MLS] with Montreal [Impact] and I had time to understand the league and the challenges, and to see how this opportunity could become a big one. That's why I came here, to try to make history."
Drogba showed plenty of energy despite his age in this past year, netting 10 goals in 13 starts in 2017.
"I'm having fun and that's really what keeps me playing because my teammates are great and I feel like a kid when I see the ball. I'm still a competitor," he says.
But the start of the 2018 United Soccer League (USL) season, likely in late March or early April, will seem a long way off and there is a very real chance that we have seen the last -- on the pitch at least -- of one of Africa's greatest, if not THE greatest, footballing sons.


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Hi There! Is this Your First Time?
Did you know if you Register you have access to free search tools including the ability to save listings and property searches? Did you know that you can bypass the search altogether and have listings sent directly to your email address? Check out our how-to page for more info.
- Price$2,840,000
- Acres28.40
12400 Panama City Beach 1lhtmvh0ji8n, Panama City Beach
Great residential (single or multi-family) or commercial site, just north of Panama City Beach Parkway. The seller is willing to subdivide the +/-28.4 acres into smaller tracts. The +/-6.06 acres on Panama City Beach Parkway is offered at $400,000 per acre (see MLS #617799). Located within close proximity to the Simon's Pier Park Lifestyle Center and the new St. Joe/ Casto/ SRA Pier Park North Power Center. This is a rare opportunity to acquire a large tract off Panama City Beach Parkway in the heart of Panama City Beach. The proposed Clara Avenue extension runs along the west-side of the parcel.
Essential Information
- Price$2,840,000
- Acres28.40
- TypeCommercial Land
- Sub-TypeLand/Acres
- StatusContingent
- UtilitiesElectric, Gas - Natural, Phone, Public Sewer, Public Water, TV Cable
School Information
- Elementary1DAEH9CHRIGS
- Middle1AMYL07I067F
- High1AMYL08S1R7N
Listing Details
- Listing OfficeCounts Real Estate Group, Inc
Community Information
- Address12400 Panama City Beach 1lhtmvh0ji8n
- Area03 - Bay County - Beach
- SubdivisionNo Named Subdivision
- CityPanama City Beach
- CountyBay
- StateFL
- Zip Code32407
- Lot DescriptionAerials/Topo Available, Easements, Raw Acreage
Additional Information
- Date ListedMarch 17th, 2014
- Days on Market2094
- ZoningCommercial, County
Price Change History for 12400 Panama City Beach 1lhtmvh0ji8n, Panama City Beach, FL (MLS® #618169)
|Contingent (from Active)
DISCLAIMER: IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information Source: Bay County Association Of REALTORS® Multiple Listing Service


text:
- 3 beds
- 2 baths
- $79,900 price
- 201804369 mls id
- Square Feet: 1,193 sqft
- Year Built: 1958
3 bedroom, 1.5 bath brick ranch located just East of Chandler! Room to roam on this almost half acre fenced lot that has a deck, shade trees, and detached block garage! Inside, there are 2 living spaces- a formal living room and a family room that overlooks the backyard. Eat-in kitchen with an abundance of cabinets, 3 bedrooms and main bath with tub. Half bath has laundry hook-ups and is convenient to third bedroom and family room. Large detached garage has plenty of parking for vehicles and space to create a nice workshop area. Convenient to shopping, highways and just 15 minutes to Evansville's eastside shopping corridor!
- Site Link
- Style Bungalow
Related Listings
1 Pictures
This is a three bedroom, one bath home that features an enclosed front porch and main level master bedroom. Two additional bedrooms and a bonus area on the second floor. The property consists of two lots located on a corner. Exterior features include a wrap around drive allowing access from two...
1026 N Williams St Boonville, IN
3 beds, 1 baths, 1,495 sqft, $85,000
Listing Agent: David Batts
Courtesy of: ERA First Advantage Realty, Inc.
Courtesy of: ERA First Advantage Realty, Inc.
Office Phone: +18128972400
Listing Agent: Kim James
Updated: 12th December, 2019 8:55 AM.
911 Klein Rd Boonville, IN


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New Regional Visas Commencing November 16th 2019 Replacing the subclass 489 visa and...
South Australia and New South Wales update State Lists – Special Conditions Imposed
South Australia and New South Wales update State Lists – Special Conditions Imposed
Updated state occupation lists have recently been announced by South Australia and by New South Wales, to cover the 2018/2019 year. Each records changes from previous lists, the focus upon English proficiency is more pronounced but pathways towards possible permanent residency remain largely unchanged.
Changes more significant in South Australia
The South Australian government, through Immigration SA, is looking specifically for applicants who have a commitment to South Australia; those who genuinely wish to settle in the state. A high-points pathway is offered for applicants over a broad list of occupations, where those applicants have achieved a minimum of 80 points on the Department of Home Affairs' points test.
There are quotas for the high-points category and during the program year, the minimum point requirement may be subject to increase. Specific occupations may also be removed from eligibility.
ICT Occupations
In relation to ICT occupations which appear on the 2018/2019 State Nominated Occupations List and involve skills assessment from the Australian Computer Society (ACS), Immigration SA is again requiring offshore applicants to meet a points requirement higher than the Department of Home Affairs points test.The minimum requirement has initially been set at 70 points (including the 10 state nomination points for subclass 489 provisional visa) but subject to the number of applications received; this may possibly be downgraded to 65 points.
This higher point target is not necessarily a requirement for applicants currently working in South Australia, whilst skilled work experience points will be determined subject to each individual ACS skills assessment.
Special Conditions
The revised South Australian state occupation list flags a number of occupations which are now subject to special conditions, as per the following extracted examples:
135112 – ICT Project Manager: For this occupation, special conditions were updated on September 14th. These included requirements for applicants to have "proficient" English (IELTS 7.0) plus a minimum score of at least 70 points.
139914 – Quality Assurance Manager: Updated on August 16th 2018 to include a requirement for "proficient" English. Applicants holding 489 visa, together with offshore applicants remain eligible.
139913 – Laboratory Manager: Updated on July 14th 2018, this occupation now also requires "proficient" English. Applicants holding 489 visa, together with offshore applicants remain eligible.
223211 – ICT Trainer: "Proficient" English now required. Both 489 visa and offshore applicants remain eligible but this category is not available for applicants on high points unless they hold a subclass 489 visa.
232214 – Other Spatial Scientist: "Competent" English (IELTS 6.0) or (Proficient Overall) is now the minimum requirement.
232411 – Graphics Designer: Competent" English (IELTS 6.0) is now the minimum requirement; applicant must hold a subclass 489 visa and be outside Australia.
252711 – Audiologist: Updated on August 9th 2018, minimum requirement is now that applicants must have "Proficient" English, together with three years of work experience within the relevant field.
254418 – Registered Nurse (Medical): Special conditions updated September 10th 2018 require that applicants must have minimum of five years' experience within the relative field.
261212 – Web Developer: Updated August 16th 2018, applicants must now achieve a minimum 70 points and a "Proficient" level in English.
Full nomination process available on South Australian Government website: http://www.migration.sa.gov.au/skilled-migrants/lists-of-state-nominated-occupations
New South Wales Updates
In NSW the skilled regional nominated (489) visa is a provisional visa which allows the holder to live and work in regional NSW for up to four years and which also provides a possible pathway to permanent residency. Holders of this visa who live for at least two years and who work for at least one year within a specified region of NSW may be eligible to ultimately apply for a permanent visa.
On September 7th 2018, New South Wales updated its Regional – Northern Inland List, which now includes the following occupations:
121211 – Cotton Grower
121214 – Grain, oilseed or pasture grower
121299 – Crop Farmers (nec)
121411 – Mixed Crop and Livestock Farmer
232111 – Architect
233215 – Transport Engineer
251211 – Medical Diagnostic Radiographer
324111 – Panel Beater
351111 – Baker
394111 – Cabinetmaker
The full NSW Occupations List is available on the NSW government website.
Applications must be accurate and thorough
In the complex world of immigration law, nothing is simple. It really does pay dividends therefore, to obtain professional assistance; skilled practitioners who are specialised in the field, comprehensively trained to recognise the traps and the trends.
By ensuring accuracy and avenues of recourse, professional guidance can save considerable time, avoid unnecessary expense and quite possibly, avert future disappointment.
For more information on this or on any relating issues, contact the migration experts – Sellanes Clark and Associates – specialising in all immigration matters.


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Dear Editor:
With sincere heartfelt appreciation, I wish to thank Peggy Shults, Twila Morris and the Meeker 4-H Sewing Club for the beautiful handmade quilt they made for our new baby. I sure enjoyed the time I spent as the 4-H sewing leader and am grateful for all the kids and their hard work and dedication to their sewing projects. I'm also grateful for the friendships made through the 4-H program.
Cortney Aldridge
Brighton, Colo.


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A baby born to an HIV-positive mother has tested positive for HIV, the Centers for Disease Control (CDC) said yesterday, the first such case in Taiwan in three years.
The mother is a Taiwanese expatriate in her 40s who returned to Taiwan to give birth and was diagnosed with HIV after getting a prenatal checkup, CDC Chronic Infectious Diseases Division chief Huang Yen-fang (黃彥芳) said.
"The mother lives abroad and returned to Taiwan during her third trimester — about eight months — of pregnancy, and had her first prenatal checkup after returning to Taiwan," Huang said. "Although we took preventive measures, the timing was a little late, so the baby was infected with HIV."
The mother began treatment for HIV as soon as she was diagnosed, and the baby was also treated after being born through cesarean section, which is standard procedure in HIV cases, but the baby was confirmed to be HIV-positive at two months, she said.
CDC Deputy Director-General Chuang Jen-hsiang (莊人祥) said that while the mother-to-baby transmission case was the first in three years, it was the 35th recorded in Taiwan.
"Taiwan provides free HIV tests for pregnant women, so we urge pregnant women to take the test during their first trimester to help prevent giving birth to an HIV-positive child," Huang said.
The CDC initiated the free HIV screening program for pregnant women in 2005.
The program includes a comprehensive HIV tests in the first trimester of pregnancy (about 12 weeks), before delivery and a rapid test on the newborn baby, as well as free treatment and enhanced care measures for those who test positive.
CDC statistics showed a total of 1,960 females in Taiwan have tested positive for HIV since the first case was reported in 1987, and the main causes of infection were unprotected sex with people of the opposite sex (50.6 percent) and use of intravenous drugs (46.7 percent).
The main cause of HIV infection in females in the past three years was unsafe sex with someone of the opposite sex, accounting for 76.3 percent of new cases, statistics showed.
While the number of cases of HIV infection in females is less serious in Taiwan than in some other countries, the CDC urges women, especially those who are pregnant, to be tested as soon as they can to ensure early detection and better treatment.


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From Urchins to Eels there's a whole underwater world to explore in our Sea Cavern. All of the creatures that call our Sea Cavern home can be found in the waters around the UK, so it's a real tour of our aquatic back yard.
Let's Talk
Sea Cavern
Turtle Bay
Ray Bay
Interactive Education Room
HMS Sub Tropical
Crocs & Frogs
Tropical Rockpool
Sealife Adventure Wild – New for 2018!
Crawl Wall
Deepwater World
***Children under 90 cm are free of charge. Children over 90cm and 14 years old or under will be entitled to the Child discount.
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text:
Vote for YAIAA Athletes of the Week for Feb. 6-11
See the top 5 plays from the Beavers' 43-42 win over the Lady Eagles in the L-L Play-In Game, including Alexis Hill's 1,000th career point. Matt Catrillo/GameTimePA.com
Vote now for the YAIAA Athletes of the Week for Feb. 6-11. The polls are open until 5 p.m. Monday.
Editor's note: If the polls are not visible, refresh your browser and they should appear.
Read or Share this story: http://gtpa.co/2kydVfG


text: LOGO | CD | NAMING Felicitas - Fee - Feegan Felicitas is the owner & founder of Feegan. The naming has its origin in her nickname 'Fee' and well... the word 'vegan'. Ever since she started the lifestyle in 2013, she is spreading the vegan message offering cooking-classes & event-catering in person; as well as general information about the vegan-lifestyle online. Her newest project is a delicious homemade Zucchini-Chutney, which is gonna be sold soon - Packaging coming up ;)!


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The train is late, I'm tired and my coworkers are negative. My boss is angry again and my children spend too much money.
Day after day nothing seems to be right and I have a lot of work to do. I don't have time to relax and even if I find a moment of rest, someone calls me or I remember something negative from my past.
Day after day, accumulating.
Stress is a reality which affects our mental, emotional and physical health. The results can be seen in the incapacity to eat right, sleep right or have a correct relationship with people around us.
We must find a way to release it, to rise above and stop being influenced by what goes on around us. Protect ourselves so we can function and do our best.
Life is not about surviving, but it is about enjoying ourselves and our activity, enjoying each moment and each person. But in order to do it, we must be free.
Let's talk about becoming free, uncluttering the mind and protecting our core. Decide what is important and cut off everything else. Aikido teaches us to be like a calm pond, reflecting the moon. Choppy waters reflect only inner turmoil.


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I know what you're thinking, "Super smoothie? Really? Such vague & cliche marketing won't work on me." But seriously guys, we don't throw such terms around lightly – this smoothie is next level healthy. If you're like me, you may often find yourself wondering on how to incorporate more healthy fats into your diet, because…Read More
All articles filed in smoothie
10-Minute Avocado Smoothie Bowl (sugar-free, lectin-free & vegan)
For the past two years, avocado smoothies have been one of my go-to breakfast & post-workout foods, as they're creamy like a milkshake, nutritionally packed (depending on what you add, of course), and loaded with healthy fats, which fulfills every part of my body – not just my stomach. Having gone through changes in dietary…Read More
Sweet & Salty Coffee Smoothie
What constitutes a better breakfast than some pre-chewed mush, am I right?!? In all actuality, that pre-chewed mush works to our benefit – when a smoothie such as this is ingested, less energy is required for digestion, meaning the body can use that energy on productive things, such as writing, doing that thing you've been putting off…Read More
Super Smoothie (Mostly Raw + Sugar Free)
I didn't name it that to get attention you guys, this smoothie is seriously super, not to mention my breakfast of choice for the last 6 months, which is saying a lot for a guy who eats a different lunch and dinner practically every day. Why this smoothie? What's so special about it? Let's be real, it's…Read More


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In its fifth annual year 2018, a survey by Upwork and Freelancer's Union findings show that Americans are spending more than 1 billion hours freelancing.
So, somewhere the freelance work is quantified in a much larger number. But, retirement plan is essential for freelancers too. With the perks of working anywhere, freelancing is gaining its momentum over the traditional work setting. But the lack of employer providing retirement benefits such as 401 (k) plan can make things confusing when one makes the retirement plan.
Retiring with $1 million is not going to suffice the retirement success. As a millennial freelancer, one should understand the fact that as costs rise in the future, a dollar value will not be the same. Hence, calculating the future dollar value to today's dollar will help to track the retirement plan in a proper way.
For example, using inflation calculator, ( Average of 2% inflation rate), the future value of $1 million dollars is equal to $500k for today's dollar value. So, planning retirement is crucial.
With the right investments and current payoff rates, here are a variety of retirement plans for freelancers.
A SEP-IRA is for anyone who is self-employed or earns freelance income.
Over a traditional or Roth IRA, one of the key advantages of a SEP IRA is the elevated contribution limit.
Until withdrawal, money in a SEP IRA is not taxable. Also, SEP IRA has some features that 401 (K) don't hold. There are financial institutions that offer varied investment payoffs within a SEP IRA. This is in stark contrast to the fixed menus of investments that most 401(k) retirement plans allow.
One great thing is that you can open SEP IRA and put whatever amount that you want to. This is a flexible option for freelancers whose work is billed at varied amounts.
Solo 401 (k)
Solo 401 (k) is a retirement plan designed specifically for employers with no full-time employees. The benefit here is you can also make contributions as an employer (kind of like matching yourself), so your total contribution may be higher.
For detailed information, here it is:
2018 contribution limits are $18,500 in elective deferrals, plus 25% of compensation in employer contributions, up to a maximum of $55,000 for certain individuals and contribution type include both pre and post-tax. (Source: Value Penguin)
Simple IRA
It is a simple retirement plan that works for both freelancer and full-time employees ( who has an employer). The contribution rate is lesser than 100% of your compensation rate or $12,500 ($15,500 if 50 or older). The limits are unchanged for 2018.
But, if you withdraw the money from the plan within the first two years, there is a steep penalty of 25%. As with the sole 401(k) or a SEP-IRA, you can open a SIMPLE IRA at most major financial institutions.
Roth and Traditional IRA's
An IRA is a retirement savings account type that offers tax benefits. There are tax breaks depending on the type of IRA you choose- Traditional IRA or Roth IRA. The tax benefits include tax-free and tax-deferred compounding.
The money you put into a traditional IRA is pre-tax, meaning you'll pay taxes when you withdraw funds in retirement.
With Roth IRA, contribution doesn't give you tax deductions but, made with after-tax money. You can open accounts at various brokers, such as Vanguard, Fidelity or Betterment. In general, Roth IRA is beneficial to younger investors because of the freelance income or lower taxable income.
For 401 (k) and IRA investments, start here.
Also with Insurance policies, freelancers require to know the essentials. Here are the insurance policies required to know:
Finally, it is difficult to calculate the amount you'll need to save for retirement. But, make sure to start the plan as earliest as possible and get the maximum benefit in the future.
As a freelancer, which plan do you suggest? Let us know in the comments.


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I've always had ambivalent feelings about the expression "sandwich generation," which was in the news again last week when BMO Nesbitt Burns put out its latest "retirement readiness" study.
The headline number was that those caught between child-rearing and elder care will be short more than half a million dollars for their own retirement. Defining this generation as those between the ages of 45 and 64, it said this cohort believes they need $818,000 on average for retirement but to date most have saved on average just $258,000.
Why my ambivalence? On the plus side, the sandwich generation always makes for good copy. In fact, the never-published fifth issue of the old Wealthy Boomer magazine I used to be associated with featured just such an anguished baby boomer couple on the cover, complete with squalling kids and ailing parents.
On the other hand, I can't help thinking "Hasn't every generation" been a sandwich generation? Didn't the parents of the baby boomers have to raise us and worry also about their aging parents? And didn't their grandparents go through the same thing, and so on throughout all recorded time?
Ah but we baby boomers are special, aren't we? Everything we touch becomes a trend and any asset class we embrace soon becomes overheated; housing in the 1980s, tech stocks in 2000. Soon, perhaps, a rush for vacation properties and retirement homes.
I accept the argument that the boomers have been blessed by extended longevity and generally robust health and new medical breakthroughs. Even so, I don't see why an extra 10 years of life expectancy makes the current crop of sandwichees more special than previous generations. Arguably, the previous generation married earlier than the boomers. I'd even make the case that the boomers generally married and started forming families roughly 10 years later than their parents did; say on average at age 29 instead of 19. Let's also assume that we have 10 years more life expectancy. Seems almost a wash, except that we have kids when we're older. The old folks will pass away at their appointed time, regardless of when we decide to start replacing them with their grandchildren.
I'm particularly fond of a photograph of my own father taken with our daughter as a youngster. Dad was probably in his mid-80s at the time (he'd be 100 this year had he lived that long) and my daughter was maybe 3-years-old. I couldn't find that photo but I have this similar one showing my late father-in-law and mother-in-law, holding my daughter and one of her two cousins, taken about 20 years ago. Literally, "grandchildren on your knee," as per the line from the Beatles' "When I'm 64."
The young girls are now young women. The point is that period was a fleeting one and so too was the period of being "sandwiched."
This phase too will pass
Kids soon grow up and parents die; all four of our precious elders in our own case. Because we delayed things like so many boomers did, the grandparents weren't around to see things like college graduation or marriage for their grandchildren. But with their passing comes inheritances (often), which in turn can help pay for the kids' university educations. The one "problem" (elder care) eventually resolves itself and helps fix the other sandwich "problem" of the cost of university.
I've always loved Emerson's essay, Compensation. If you're still a boomer sandwiched between the generations, count your blessings and read it. Here's a passage I underlined long ago: "For every thing you have missed, you have gained something else; and for every thing you gain, you lose something."
On the bright side
To those still sandwiched, I'd say enjoy this brief time where you bridge three generations. Soon it will be gone and you'll have plenty of time to pad your retirement savings, especially with extended life expectancy. Take it from me: working a few extra years is no tragedy. Emerson might even view it as a blessing.
Jonathan Chevreau is the editor-at-large of MoneySense. He blogs here and at findependenceday.com. Find him on Twitter @jonchevreau.


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Sep 03 2011
Surprise Vinyl Party!!
The premise for this show was to dig up some lp's out of my collection that I have never heard yet. I used to buy tons of vinyl
and never got arouond to playing it. So I thought let's let the listeners experience what it is like coming over to my
house for a few beers and discovering new tunes out of the vaults. This is often what I do when I have John or other musical friends over.
The only problem with doing an all vinyl show was that the turntables are placed too far away from the board and the cueing
buttons were working intermittently. So a few times I couldn't keep the smooth flow going and there were some
awkward startups because i didn't cue correctly. Other than that the show was surprisingly GREAT! I thought we would
hear a lot of crap but most of the tunes fit quite well into my regular format. The last song by the Bells was the
worst cover of Lightfoot I have ever heard . But other than that I was pleased. And the sound from vinyl is very warm, especially on
those German Krautrock records because the recordings and vinyl were superior.
Hope you have fun listening like we did
Houston Fearless - Mr. Soul
The Road - Dance to the Music
The Road - Mr. Soul
Peace & Quiet - Looney Tunes
Buckwheat - Eleanor Rigby
Paper Bubble - Mother Mother Mother
The End - Jacob's Ladder/Introspection Pt. 2 ==Jacobs Ladder is the talking segment followed by introspection a psych pop thing
- didnt really explain it - I have played this before but from the cd.
Emergency - Get Out to the Country
Thirsty Moon - BIg City
Sammy - Give Me More - feat sax player from Audience
Bloontz - The Joke's On You - feat guys who went on to Back Street Crawler with Paul Kosoff
Cross Country - Cross Country --- title track of 1973 lp from former Tokens members--** great lp- my biggest surprise of the night
Cross Country - Midnight Hour
Osibisa - Survival - fantastic psych soul funk
The Crawling Walls - One Last Kiss - organ driven garage
Ruthann Friedmann - Fairy Prince Rainbow Man - psych folk from the lady who wrote the hit " Windy"
Novac - 1st Word - strange lp = very rare
Chelsea Beige - In Search of the Hole - another surprise for me- these guys were great musicians
The Bells - Lightfoot Medley-- Being hitmakers I thought this would be good- MY GOD! They just BUTCHER it! Gord should have had this record pulled! LOLLLLL
Well there you have it. HOPE YOU ENJOYED THE TRIP!!!!!!!!!