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Best and Worst States to Pay Lottery Taxes
Some states are far kinder to lottery winners than others
Voltaire once referred to optimism as a form of madness, and when it comes to playing the lottery, he might not have been far off. The odds against anyone winning the last really big lottery jackpot were one in more than 290 million—and yet, someone always does.
Brace yourself for a bit of reality if that very lucky someone turns out to be you. First, you're not going to receive that whole walloping amount that's advertised if you take money in a lump sum. That's reserved for those who take their winnings as annuities, paid out over a span of years. The advertised jackpot is the most you can win if you're the patient sort.
Next, know that the tax man will come. Uncle Sam is going to want a piece of your prize, and most people can expect that their state taxing authority will have its hand out for a share also. But some states are much kinder than others when it comes to lottery taxes.
In fact, if you live in one of the worst states, you might want to consider using some of that money to pull up stakes and relocate—at least, if you're planning on playing the lottery again and you're mad enough to believe you can win big twice.
It's Federal Law
You'll have to deal with federal law right off the top, before your state even gets involved.
The Internal Revenue Service requires that lottery officials must withhold taxes from your winnings over a certain amount: 25 percent if you win $5,000 or more after subtracting the cost of your ticket.
This doesn't necessarily mean you'll owe 25 percent when all is said and done. You're still entitled to prepare your tax return at year's end and claim every possible deduction and credit you can possibly qualify for. The Internal Revenue treats that 25 percent withholding just the same as it would if your employer withheld taxes from your paychecks. If you don't end up owing that much, the IRS will send you a refund.
Of course, if you end up owing more than 25 percent—and that's probable, given the tax bracket a really significant jackpot would push you into—you'll have to dig into those winnings a little more to pay additional taxes.
What Taxes are Withheld?
FICA taxes—Social Security and Medicare—are employment taxes. They're imposed on earned income, so you'll dodge a bullet here. Lottery winnings are exempt because they're not earned income. That 3.8 percent net investment income tax doesn't apply to lottery winnings either.
But your winnings are considered unearned income, so you'll have to pay income tax on the money at the federal level and often at the state level as well. This shines a spotlight on tax brackets and tax rates because this is how much you'll end up paying on what's left of your winnings after you've taken all possible deductions and credits.
The top federal tax bracket as of 2018 is 37 percent on total income over $500,000, or $600,000 if you're married and filing a joint return.
Plan on paying income tax at this rate on the portion of your winnings that exceed the applicable amount.
One of the deductions you can take on your federal return to try to nip away a little at your tax bill is for income taxes you must pay to your state on your winnings. This helps, but not by much. The Tax Cuts and Jobs Act limits this itemized deduction to $10,000 for tax years 2018 through 2025, and $10,000 is just a drop in the bucket if your winnings are really significant.
But you'll want to claim it anyway. At least you can get something in return for income taxes you might owe to your state.
The Worst States for Lottery Taxes
Some locations tax lottery winnings so heavily, you might want to consider other gambling ventures instead if you live in one of them. Obviously, states with the highest top income tax rates pose the toughest tax burden, and of these, New York takes top prize as being the absolute worst—if you live in Yonkers or New York City, at least, because the city will want its own cut of your winnings.
New York's top rate is 8.82 percent as of 2018, but then you'll have to add another 3.876 percent for the local tax. That works out to a hefty 12.696 percent of your winnings. That's about $12.69 million if you win a $100 million lottery, quite a bit more than that $10,000 deduction you can claim for state taxes on your federal return. It's even a lot more than $10,000 if you win just $1 million. Your tax bill still comes out to almost $127,000.
But if you live elsewhere in New York, the state actually falls to seventh place. Oregon comes in first, with a 9.90 percent top tax rate as of 2018, and Minnesota takes second place at 9.85 percent. Then comes Iowa at 8.98 percent, then New Jersey at 8.97 percent. The District of Columbia and Vermont tie at 8.95 percent.
Rounding out the list of states with significantly high tax rates are:
- Wisconsin: 7.65 percent
- Idaho: 7.40 percent
- Maine: 7.15 percent
- South Carolina: 7.0 percent
You'll pay less than 7.0 percent everywhere else assuming your state participates in a national lottery and it taxes lottery winnings or has any income tax at all. For example, Hawaii's top rate is a hefty 11 percent, but you can't play Powerball here. It's one of six states that don't participate and it's a very long swim to the mainland to purchase a lottery ticket elsewhere.
Other states that don't participate in Powerball are Alabama, Alaska, Mississippi, Nevada, and Utah.
The Kindest States for Lottery Taxes
OK, now let's get to the good news. Obviously, your best bet for lottery taxes is one of the states that doesn't have an income tax at all as of 2018: Florida, South Dakota, Texas, Washington, and Wyoming. Alaska and Nevada don't tax income, either, but they don't participate in national lotteries.
Then there are an additional handful of states that kindly refrain from taxing lottery winnings. California, New Hampshire, Pennsylvania, and Tennessee will generously let you keep your jackpot tax-free. That's particularly convenient in California where the top tax rate is even worse than what you'd pay in New York City: 13.30 percent as of 2018.
Delaware used to spare lottery winnings, but that's changed as of 2018.
That leaves us with the states with the lowest top tax rates:
- North Dakota: 2.90 percent
- Indiana: 3.23 percent
- Michigan: 4.25 percent
- Arizona: 4.54 percent
- Colorado: 4.63 percent
- New Mexico: 4.90 percent
- Illinois: 4.95 percent
- Ohio: 4.997 percent
State Lotteries and Other Games Are Different
Keep in mind that these rankings are for national lottery winnings.
The IRS doesn't demand mandatory withholding from state lottery winnings, and it taxes other games of chance differently as well.
As a general rule, other types of winnings are indeed income, but they're not subject to the withholding rule, and they might not be subject to FICA taxes. This doesn't mean you won't have to pay any income tax on the money, however.
And if you spend more trying to win than you actually end up winning, you can deduct your losses if you itemize but only up to the amount of your winnings. In other words, you wouldn't have to pay a tax on your prize, but you couldn't use the balance of your losses to offset your other income.
When it comes to winning a big national lottery, let's face it. You might have to share some of that money with taxing authorities, but what's left over is still money you didn't have before.


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MF-CIB to check micro loan applications, charge fees
DOT Desk: From now on, loan applications of the country's micro borrowers will be examined by the Microfinance Credit Information Bureau (MF-CIB), according to the entity's draft guideline, reports the Financial Express.
The MF-CIB may also charge fees for the service from the country's non-government organisations (NGOs) and microfinance institutions (MFIs), which provide microcredit to borrowers, the guideline mentioned.
The draft guideline will be kept online until September 09 seeking public opinion. The MF-CIB will be situated at the Bangladesh Bank (BB), and the central bank is developing software for the entity.
The UK's Department for International Development (DFID) is helping the government to implement the project concerned.
Among others, the MF-CIB will be responsible for collecting, processing and maintaining an updated database of credit-related information, supplied by the participating institutions (NGOs-MFIs).
One of the objectives behind setting up the MF-CIB is to minimise the extent of overlapping loans by providing timely reports on credit information, based on enquiry/request about loans.
However, the CIB authority will not disclose client information of an NGO-MFI to another.
The Credit Development Forum (CDF), a forum of the country's MFIs, has welcomed the move.
Executive Director of the CDF Abdul Awal said setting up a CIB for microfinance sector has long been overdue.
It will contain overlapping of loans, and reduce dropout rate of microcredit borrowers, he added.
According to the industry insiders, the country's NGOs-MFIs have 26 million members-clients at present. But, a large number of them are taking loans from more than one organisation.
There is no record of such overlapped clients due to lack of an automated record keeping system or database, they added.
Mosharraf Hossain, director (finance) of the BURO Bangladesh – a national NGO, said the MF-CIB will be an extension of the BB-CIB.
He was a member of the committee that formulated the draft guideline.
Mr Hossain further said the MF-CIB will help to improve living standards of the poor people by increasing their income, and thus contribute to the country's economic growth.
The CIB will reduce transaction cost for both borrowers and lenders as well as bring down demand for funds.
However, the non-automated NGOs-MFIs cannot take facilities from the CIB, he noted.
The Grameen Bank (GB) will not be able to take the CIB's services, as it has been formed under a separate act.
"The GB should grab the opportunity of taking the CIB's services on its own initiative," he added.

subset: commoncrawl


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Issue Two of Adventure Monkey magazine is a feast for your eyes. It covers adventurous living and photography. This issue includes the photography of Shawn Reeder, a mountain climbing photographer, a photo essay by Jason Boucher about how it IS about the bike, an excerpt from Jill Homer's new book about her Great Divide Ride, an inspirational story by 4-wheel Bob Coomber, Jason Mahokey of XXC Magazine, Darren Alff on cycling through Albania, Gear reviews and stories from other Adventure Seekers. It is a must read for those needing inspiration to live life to its fullest!


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Mstislav Rostropovich – Cellist, Teacher, Legend
Elizabeth Wilson
Published to coincide with Rostropovich's 80th birthday celebrations
Mstislav Rostropovich, internationally recognised as one of the world's finest cellists and musicians, has always maintained that teaching is an important responsibility for great artists. Before his emigration in 1974 from Russia to the West, Rostropovich taught several generations of the brightest Russian talents – as Professor of the Moscow Conservatoire – over a continuous period of two decades. His students included such artists as Jacqueline du Pre, Nataliyia Gutman, Karine Georgian, Ivan Monighetti and many others.
Rostropovich's teaching represented not only his individual approach to cello repertoire and instrumental technique, but also comprised a philosophy of life. As soon as he returned from his frequent concert tours, he would launch himself with whirlwind energy into his teaching activities.
His lessons, which were conducted as open masterclasses , were awaited eagerly as an event of huge importance. Class 19 of the Moscow Conservatoire, where they were held, was usually packed with students (violinists , conductors and pianists as well as cellists). Often other professors dropped in, as did visiting musicians. The lessons were performances in themselves: Rostropovich – usually seated at the piano – cajoled and inspired his students to give the best of themselves. His comments went far beyond correcting the students in making them understand the essence of the work they were playing. Often this was done through striking imagery, and as such the lessons were addressed to the wider audience present in the classroom as well as to the individual student.
Drawing from her own vivid reminiscences and those of ex-students, documents from the Moscow Conservatoire and extensive interviews with Rostropovich himself , Elizabeth Wilson's book sets out to define his teaching, and to recapture the atmosphere of the conservatoire and Moscow's musical life.
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Never Too Late
John Holt
If I could learn to play the cello well, as I thought I could, I could show by my own example that we all have greater powers than we think; that whatever we want to learn or learn to do, we probably can learn; that our lives and our possibilities are not determined and fixed by what happened to us when we were little, or by what experts say we can or cannot do.
Best known for his brilliant insight into the way children learn,
John Holt was also an intrepid explorer of adult learning. At the age of forty, with no particular musical background, he took up the cello.
His touching and hilarious account of his passionate second career demolished the myth that one must start an instrument (or a sport, or a language) in early childhood, and will inspire any reader who dreams of taking up a new skill.
Very often when I travel adults come to me and longingly say they want to play a musical instrument but are now too old. I always and with great delight refer them to John Holt's book Never Too Late. The beauty of Holt's book is that he himself set his own standards for music making. The reason for playing music is not to compare yourself to anyone but to bring forth what is inside of you. – Yo-Yo Ma
A deep love of his instrument sparkles on the pages of his life story. – Christian Science Monitor
Taps the Walter Mitty dreamer is all of us. – Los Angeles Times
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One Hundred Years of Violoncello – A History of Technique and Performance Practice, 1740-1840
Valerie Walden
This is the first book to address the full range of performance issues for the cello from the Baroque to the early Romantic period. The development of playing techniques and stylistic transitions are traced regionally through a comparison
of Italian, French, German, English, and East European performance traits. Through a close study of contemporary violoncello methods, music, early instruments, periodicals, diaries, letters and pictures, Walden provides a cohesive overview which examines construction methods for instruments and bows, fingering and bowing techniques, special effects and ornamentation, accompanying skills and the stylistic preferences of the most famous soloists. Richly illustrated with over 300 music examples, plates and figures, this book provides playing instructions which can easily be applied by modern players to their own performance of period music.
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Pablo Casals
Robert Baldock
The great cellist, who played during his life for both Queen Victoria and
President Kennedy, was a personality at once complex and simple; and it is the virtue of Baldock's biography that he makes this abundantly clear. The dilemma between the urge to communicate and the fear of exposure was one he never resolved, the author writes,
and notes that journalists always had to struggle to explain that so unpretentious a man should produce art so great. Casals (1876-1973) was born in Catalonia, a fact that dominated his life, first in the struggle for Catalonian independence from Spain, and later in the fight against Franco. In protest against both, the man who had been the first cellist to make a notable solo career withdrew from the major centers of musical life and established two music festivals devoted above all to the works of his beloved Bach: first in the 1950s at Prades, across the French border from Catalonia, and in the 1960s in Puerto Rico, where he lived out his final years. Emotional, stubborn, retiring and always profoundly moralistic, Casals was an unforgettable performer as well as a political icon of remarkable potency.
This is a clearsighted, sensible study, by an admirer who is an editor at Yale University Press in London.
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Pablo Casals – A Biography
H. L. Kirk
The main thing in life is not to be afraid of being human.
Pablo Casals
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Pablo Casals – Cellist for the World
David Goodnough
The love of one's country is a splendid thing.
But why should love stop at the border?
Pablo Casals
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Pablo Casals – Hispanics of Achievement
Robert Green, Hedda Garza
To do justice to a man of his stature in a 100-page series entry is nearly impossible. Garza's book is not factually inaccurate; it is merely serviceable and workmanlike. She uses many good sources. However, in attempting to tell the Casals story as well as that of Europe during his lifetime
(including two World Wars and the Spanish Civil War), it is necessary to be very compact. There's a lot here, but it doesn't flow. High school students might be better served by Casals's autobiography, Joys and Sorrows, which Garza cites. Casals, it turns out, had the same wonderful grace with language as he did with music. From my infancy I was surrounded by music. You might say music was for me an ocean in which I swam like a little fish is a typical quotation. Jim Hargrove's Pablo Casals (Childrens, 1991) is somewhat livelier and more readable, but it's for a younger audience. - Ann Stell, Central Islip Public Library, NY
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Rostrospektive – Zum Leben und Werk von Mstislaw Rostropowitsch
Dr. Alexander Ivashkin, Dr. Josef Oehrlein
This book is a three-part exposition of the life and work of Rostropovich, as seen from different angles. One part contains an extensive pictorial record of some of the most important stages of his life. In the second are two detailed accounts about Mstislav Rostropovich - Slava, The Journalists´ Darling, as seen by a music critic, and A Twentieth Century Revolutionary, as seen by a famous cellist who, as a fellow Russian, has had the privilege of following and partly accompanying Rostropovich´s life to date in many different ways.
The title of the book -Rostrospektive- refers in particular to the exhibition of the same name at the third Cello Festival in Kronberg which was held
from 16 to 19 October 1997 in honour of Mstislav Rostropovich on the occasion of his seventieth birthday.
Much of this exhibition is reproduced in the pictorial section.
Source: theStrad Library
In German and English
Kronberg Academy AmazonUK AmazonDE AmazonUS
Signor Piatti – Cellist, Composer, Avant-gardist
Annalisa Lodetti Barzanò, Christian Bellisario
Musical child prodigy and virtuoso, pioneer and avant-gardist, lovable person and sensitive artist – Alfredo Piatti (1822-1901) was not just an Italian cellist and composer but a musical key figure in the Europe of the 19th Century.
On the occasion of his 100th death, the authors Christian Bellisario and Annalisa Lodetti Barzanò make an approach to the complex person.
Equipped with many testimonies from colleagues, critics and friends they start the journey in the footsteps of an artist, who was not satisfied enough by being just a performer and a pioneer of the modern cello playing.
In German and English
Kronberg Academy
The Advancing Cellist's Handbook
A Guide to Practicing and Playing the Cello
Benjamin Whitcomb
How I wish I could have read this book years ago! It would have saved many hours of practicing which often have had disappointing results for the time invested. -Phyllis Young, Playing the String Game and The String Play The Advancing Cellists Handbook is a concise but thorough treatise on virtually every aspect of practicing and learning to play the cello. This book is primarily designed for intermediate cellists, which usually means ages 14 to 20, but which could be any age from 6 to 80. The purpose of this book is to provide you with much of the basic information that you need in order to become good at practicing the cello. This is the book for you if: · You want to learn how to improve rapidly as a cellist. · You don't feel that you know how to practice. · You want to get a faster rate of advancement out of your available practice time.
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The Art of Cello Playing
A Complete Textbook Method for Private or Class Instruction
Louis Potter Jr.
The author's stated purpose in writing The Art of Cello Playing is to present
a progressive sequence of commentary and material as a basis for acquiring a sound technical foundation and basic playing competence to prepare the player for exploring the rich solo, orchestral, and chamber music literature of the instrument. To that end he has produced
a comprehensive textbook and reference manual on beginning to advanced cello technique with emphasis on the vital beginning foundation. Louis Potter Jr., is particularly well qualified to make this contribution from his wide experience in teaching both classes and individuals at Michigan State University
and at National Music Camp, Interlochen, Michigan.
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The Cambridge Companion to the Cello
Robin Stowell
This is a compact, composite and authoritative survey of the history and development of the cello and its repertory since the origins of the instrument. The volume comprises thirteen essays, written by a team of nine distinguished scholars and performers, and is intended to develop the cello's historical perspective in breadth and from every relevant angle, offering as comprehensive a coverage as possible. It focuses in particular on four principal areas: the instrument's structure, development and fundamental acoustical principles; the careers of the most distinguished cellists since the baroque era; the cello repertory (including chapters devoted to the concerto,
the sonata, other solo repertory, and ensemble music); and its technique, teaching methods and relevant aspects of historical and performance practice. It is the most comprehensive book ever to be published about the instrument and provides essential information
for performers, students and teachers.
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The Cello Suites – In Search of a Baroque Masterpiece
Eric Siblin
Siblin's intricate book interleaves the stories of Bach, Casals, the suites themselves
and his own research . . . It is always readable. Guardian
. . . his style is folksy and endearing . . . TLS
The story of Bach's six Cello Suites is an insightful narrative populated by musicians and myth, animating history through centuries The Good Book Guide
This is one of the most extraordinary, clever, beautiful, and impecc∓ably researched books I have read in/em years. A fascinating story deftly told and, for me at least, ideally read with Bach's thirty-six movements playing softly in the background; a recipe for literary rapture.
Simon Winchester, author of the "New York Times" best-seller "The Professor and the Madman"
"Vividly chronicles [Siblin's] international search for the original, and unfound, Bach scp/aore . .p/a . Mr. Siblin's book is well researched, and filled with enough anecdotes to engage even the classical-music aficionado . . . but the book is best distinguished by its writing. To vivh4h4ify music in words is not easy. But Mr. Siblin . . . rises to the task . . .
Read "The Cello Suites" -preferably with their melodious hum in the background- and you will never look at a cello
in quite the same way again. The Economist
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The Great Cellists
Margaret Campbell
This book recreates the magic of the greatest cellists in history. In succinct and absorbing accounts of their lives, characters and careers, Margaret Campbell brings out the special achievement of each, whether in impact on composers and public taste, contribution to advances in playing technique, or in sheer power over an audience. The instrument we know today developed from the bass violin and came into general use by the time the great makers of the seventeenth and eighteenth centuries (such as Stradivari, Amati and Montagnana) had brough
t their craft to perfection and made many of the instruments most sought-after by the modern virtuosi.
Margaret Campbell has researched the great performers and teachers, from the earliest known professionals to composers and players such as Boccherini, Romberg, Piatti, Popper, and the founders of various national schools of music: the Duports (pere et fils), Cervetto, and Cossman, who was a friend of Lizst. In more recent times, European names such as Becker, Klengel, Salmond and Alexanian lead to Feuermann, Piatigorsky, Fournier, Rostropovich and above all to Casals – all of whom in turn have had much influence on younger players such as Jacqueline du Pre and the many brilliant players from the USA, Russia and Japan. In all, the reader is given a rich picture of traditions handed down nationally through the generations, becoming cross-fertilised internationally during the twentieth century.
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The Spanish Bow
Andromeda Romano-Lax
In her impressive debut, Romano-Lax creates the epic story of Feliu Delargo,
an underprivileged child prodigy whose musical ability brings him into contact with world leaders, first-class artists and a life filled with loss and triumph.
Publishers Weekly
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The World of Music According to Starker
Janos Starker
Janos Starker is universally acknowledged as one of the world's great musicians. Known for a flawless technique paired with expressive playing and interpretation,
the Hungarian-born cellist is arguably also the premier teacher of his instrument in our time. String players flock to his masterclasses from all over the world, and cellists compete vigorously to study under him at the Indiana University School of Music. More than the consummate musician, however, Starker is also a raconteur and writer, occasionally quirky and droll, always witty and with a pointed opinion to share.
The World of Music According to Starker is a colourful autobiography spanning the author's fascinating life. From his early musical education during World War II in Hungary, to his world tours, educational philosophy, and recording and pedagogical legacy, Starker takes the reader on a riveting, entertaining, and informative journey. Included in the book are several of Starker's short stories and commentaries on world events, academia, and – of course – music that have appeared in newspapers, music periodicals, and trade magazines. Also includes a bonus CD recording of Starker's last public recital, which is unavailable commercially and includes his only recording of the Strauss Sonata in F, Opus 6.


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It matches the product: Select your operating system and version ,. We are unable to determine your warranty status for the product and serial number provided. I got one of these as a gift from a friend back when Windows 98 came out. Read full review Verified purchase: Europe, Middle East, Africa.
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HP ScanJet c driver package – Software Patch
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HP ScanJet 3200C – flatbed scanner Series
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Nairne Street, Burnley, BB11
Property Features
- Great Buy To Let Investment
- Ideal For First Time Buyers
- Below Market Value Price
- Highly Sought After Location For Rental Demand
- Close To All Amenities and Schools
Property SummaryA perfect Buy to Let Investment or first time buyer opportunity - A 2 bedroom mid terraced house located at the top of Nairne Street in the Coal Clough area of Burnley.
Internally the property briefly comprises of 2 spacious lounge/ reception rooms, a fitted kitchen, 2 double bedrooms, large 3 piece family bathroom and externally there is a enclosed yard to the rear of the house.
For investors looking to purchase you can expect to generate a monthly rental of £425 per calendar month in this location offering an annual yield of £5,100 / 11.33% based upon the asking price of £45,000.
There are a number of nurseries, schools, shops, medical facilities and excellent transport links within a couple of minutes walk of the property.
The property has been in the same family for many years and is a reluctant sale purely for health reasons. There is a need for modernisation which is reflected in the below market value price.
A must view at a price of just £45,000.
Full Details
Lounge/ Reception Room - Front (3.20 x 3.15)
Rear Lounge (4.85 x 4.32)
Kitchen (2.89 x 2.91)
Bedroom One (4.32 x 3.18)
Bedroom Two (4.85 x 2.10)
Bathroom (3.18 x 1.75)


text:
Outdoors with Forda Birds—By John Andreoni
When Governor DeWine signed the $69 billion dollar biennial budget a few days ago, it was evident that the administration was being very proactive on a number of issues such as providing resources to children and families, as well as to Ohio's education system, workforce, local communities, and mental health and addiction recovery efforts. The environment was also targeted to receive significant funding, and many interested in the outdoors watched to see whether various outdoor issues would be addressed. For example, having access to land for hunting, fishing, camping, etc. is a concern and there is always a shortage. With this in mind, for years AEP in southeastern Ohio has provided almost 60,000 acres of reclaimed strip mining areas for outdoorsmen to use free of charge. This land is now for sale, and the state has first dibs on it. Losing this land would be would be a disaster to outdoorsmen, but it looks like money has been appropriated to purchase this vast amount of acreage, as long as things go as planned.
Water quality was another issue addressed in the new biennial budget. Initially, $900 million dollars over a ten-year period was being sought. In the final budget, roughly $85 million dollars a year was appropriated for two years. Evidently, the 10-year program was axed because certain lawmakers didn't want to create a long-term whipping boy that would be available for budget cuts if the economy went south. As a result, these newly available monies are primarily directed at Lake Erie's algae problems and other inland water quality issues. In general, the H2Ohio Fund was created to ensure safe and clean water across Ohio by providing the resources necessary to plan, develop, and implement targeted, long-term water quality programs.
Although Lake Ere and its $15 billion dollar recreation industry will get a major chunk of this funding, Grand Lake St. Marys should get its fair share since we are part of Erie's problem and an integral part of Ohio's recreational resources. At a recent legislative luncheon initiated by the St. Marys COC, State Senator Rob McColley of Napoleon commented that much of the money would be locally applied. He mentioned the positive effects of our treatment trains and that currently the farmers were not necessarily the main source of nutrient pollution. For the most part, he said, farmers are following the rules and protocols designed to reduce phosphorus loading. He continued by saying that more could be done, especially in terms of soil testing. Legacy phosphorus, phosphorus stored for years in the soil and silt deposits, is a major issue. "Farmers need to be incentivized to test their soil," McColley said. "Wasting fertilizer isn't good business."
There are many ways to prevent the release of legacy phosphorus from agricultural land in a watershed area. For example, building wetlands or treatment trains like we have at Prairie Creek, Coldwater Creek, and Beaver Creek have had a major effect on water quality at Lake St. Marys. Growing cover crops and other buffers along with installing phosphorus filters could also have a major effect. According to some researchers, field tiles are also a major issue. Studies show that water discharged from tiles into drainage ditches carries nutrients which contribute to algae blooms. Studies need to be developed to determine the amount of phosphorus that is transported to our lakes by this method. From what I've been told, there's a certain amount of science involved in tiling a field. The types of soil, crops generally planted, and other factors determine how much tile is needed and how wide apart it should be buried. Evidently, some farmers think that more is good, and the distance between tiles has steadily decreased which promotes quicker flood water removal.
Dealing with legacy phosphorus in GLSM is another issue. Local studies are showing that the dredging program has now reached a level where the external loading of phosphorus is now less than the amount of phosphorus the dredges are removing. For as long as I can remember, silt removal was a break-even program at best. Finding a way to completely remove legacy phosphorus from the lake would be ideal. I'd love to see what it would take to accomplish this expressed quantitatively. How much silt would need to be removed? Where would it go? How much would it cost? The numbers would be astronomical.
Regardless, it sounds like this administration is serious about getting some things done and putting money up front to fund their goals. From what I've seen of the new appointments in the ODNR, the people who are in place are more than able to do the job. It could be refreshing watching our state government at work for the next two years. It sure beats the dog and pony shows and goat ropings that take place on the federal level.


text: Andreas Jellinghaus wrote: > "open source" is by design a trademark, as far as I know, and you may > only use it if the trad mark holder gives you permission to do so. Actually, there's no trademark (that I know of) on the phrase "open source". The OSI holds a trademark on "OSI Certified". http://www.opensource.org/pressreleases/certified-open-source.php http://www.opensource.org/docs/certification_mark.php In practice most people seem to use "open source" to refer only to software under an OSI Certified license. And competing efforts so far have always used different names: shared source, community source, etcetera. Arnoud -- Arnoud Engelfriet, Dutch & European patent attorney - Speaking only for myself Patents, copyright and IPR explained for techies: http://www.iusmentis.com/


text:
Call for Papers – fBASCON 2019
1st Faculty of Basic & Applied Sciences Conference (fBASCON 2019)
Elizade University, Nigeria
24th – 28th June 2019
In keeping with the conference's overall theme, Quest for Sustainable National Development: Science &Technology as Drivers, fBASCON 2019 will focus on how science and technology offer opportunities for national development along the Sustainable Development Goals, and what this might mean for Nigeria.
We seek contributions that illustrate the different ways in which science and technology can reposition Nigeria along the path of accelerated and sustainable development.
We encourage researchers and scientists across the nation to submit proposals for papers on a topic of their choice relating to the conference theme. Other areas include (but not limited to) the following and their applications:
- Food Security (GM foods etc)
- Climate change
- Science Entrepreneurship
- Artificial Intelligence and Modelling
- Environmental Science
- Space Science and Communication
- Nanoscience
- Emerging infectious diseases
- Mineral exploration and Mining
- Natural Products for Health and Well-being
Authors who submit papers on local or national initiatives should indicate how their conclusions or lessons learned could be applied elsewhere.
Submissions and Important Information
- Important dates
- Deadlines for submission of manuscript
The deadline for submitting the full paper is 30 April 2019.
- Notification
Selection of papers is based on the abstract, and presenters will be notified whether they have been successful by May 14, 2019.
- Deadline for submission of camera-ready
Camera ready version of manuscript is expected to be submitted by May 21, 2019. Please visit the fBASCON 2019 conference's easychair.com portal to create an account and upload your paper.
- Deadlines for submission of manuscript
- Paper Annonymization
Authors should not add information that may identify them such as name, affiliation, email, and such other details to the papers uploaded for consideration.
- Format
Full papers should be submitted (uploaded) as a MS Word file or Latex. Templates for both formats are available on the conference website.
MS Word – Faculty of Basic and Applied Sciences Conference fBASCON 2019
Latex – Faculty of Basic and Applied Sciences Conference fBASCON 2019
- Paper Length
A minimum of 5 pages and a maximum of 10 pages (based on the official template). After the review, an additional page is granted to accommodate reviewers' modifications.
- Papers should be in English with an abstract, and the presenter (who must be one of the authors) must be fluent in English. Presentation can be either oral or through posters.
- Author details should be included in the final version
The author(s) should indicate his/her personal full contact details ONLY on the camera-ready paper which is expected by May 21, 2019.
Acceptance of papers
Full papers should be prepared following the template provided below. Review will be will be double blind and carried out by at least two reviewers. Abstracts or late submissions will not be considered.
Note: Authors of some selected accepted papers may be contacted to expand their work for publication in a special issue of a reputable journal.
For more information and enquiries, please contact [email protected]
Or call Dr. Eniafe Ayetiran, +234-8132942038


text:
tag:blogger.com,1999:blog-4307076737291827178.post5590277758330721847..comments2019-12-05T20:32:15.646-05:00Comments on 2 Stews: From Buda to Pest2 Stewshttp://email@example.com:blogger.com,1999:blog-4307076737291827178.post-7659277894126548892012-05-01T11:12:25.031-04:002012-05-01T11:12:25.031-04:00These are beautiful photos of the most beautiful c...These are beautiful photos of the most beautiful city - I lived there for 2 years and it is still my favorite place. I have very fond memories of the people, the food, and the views from my time there in the email@example.com:blogger.com,1999:blog-4307076737291827178.post-28100800589295671502011-05-17T09:19:27.233-04:002011-05-17T09:19:27.233-04:00You just found the true beauties of Budapest! I li...You just found the true beauties of Budapest! I live here, and really enjoyed your photos and post on this city! Thank you! :) I hope you had a great time here!Zsanyahttps://firstname.lastname@example.com:blogger.com,1999:blog-4307076737291827178.post-25753587239865233102011-05-09T21:15:20.275-04:002011-05-09T21:15:20.275-04:00Kate...I hope I have more suggestions before you g...Kate...I hope I have more suggestions before you go, and then I'm sure you'll have some for me. I'm excited for you.

Monique...Maybe I could have jumped, but could I have gotten up again?! Happy Mother's Day!

Karen...it is Budapest. Three cities were combined to make the one city of Budapest. Interesting that you have Hungarian relatives. Their history is rich. No, I have not read "The Invisible Bridge". You are right, that sounds just like a book I'd love. Thank you. I'll see if the library has it. My commute has a lot of down time, so a good book is welcome.

Have a great week....Diane2 Stewshttps://email@example.com:blogger.com,1999:blog-4307076737291827178.post-7073975084693353062011-05-09T17:17:54.812-04:002011-05-09T17:17:54.812-04:00I've always wanted to go to Budapest (or is it...I've always wanted to go to Budapest (or is it Buda-Pest?). My grandfather's family was Hungarian. These beautiful photos and descriptions just make me want to go more!

Have you read "The Invisible Bridge" by Julie Orringer? It takes place in both Paris and Budapest during WW II. I think it would be your kind of book.Karen @ Mignardisehttps://email@example.com:blogger.com,1999:blog-4307076737291827178.post-74806506435114154682011-05-08T19:19:15.247-04:002011-05-08T19:19:15.247-04:00You write as poetically as you take photos..Just b...You write as poetically as you take photos..Just beautiful!
I bet you could have jumped too:)

What a life!!

Happy Mother's day to you..

xxLa Table De Nanahttps://email@example.com:blogger.com,1999:blog-4307076737291827178.post-18271209525519758842011-05-08T15:10:46.210-04:002011-05-08T15:10:46.210-04:00That was a wonderful tour! I am looking forward t...That was a wonderful tour! I am looking forward to my visit in June 2012!Katehttps://firstname.lastname@example.com


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This Gift set contains : Neem Anti-Dandruff Shampoo - 200ml, Neem Anti-Dandruff Hair Oil - 200ml, Green Tea & Fig Conditioner - 200ml, Jute Zipper Gift Bag - 1.
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You are in your home, where you should be safe. But then, your world changes.
Jemma was at home with her children when the unthinkable happened. She was stabbed multiple times and our medics raced to her side.
This is her story.
(Content warning: abuse, domestic violence).
Being there for the next person that needs us is what drives us forward. Stories like Jemma's are what keeps us going.
We are a charity; your support helps us to be there for our patients. Please donate to support our service.


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1998 · Princeton
by BERNSTEIN, Ken
Princeton: Berlitz, 1998. Softcover. Fine. Later printing. Wrappers. 24mo. Fine. (Inventory #: 370873)
by RICHMOND, Grace S.Garden City : Doubleday, Page & Company , 1908
You can be confident that when you make a purchase through ABAA.org, the item is sold by an ABAA member in full compliance with our Code of Ethics. Our sellers guarantee your order will be shipped promptly and that all items are as described. Buy with confidence through ABAA.org.


text:
NUFORC Home Page
Web Report Indexes : by Event Date | by Location | by Shape | by Posting Date
|Sighting Report
|Occurred : 6/30/2015 21:00 (Entered as : 6-30-15 21:00)
Reported: 6/30/2015 7:11:36 PM 19:11
Posted: 7/3/2015
Location: Cincinnati, OH
Shape: Egg
Duration:3 hours?
|Lights in sky. There were two that appeared to be next to each other. Not to be mistaken as stars.
Saw in night sky. Did not appear to be moving. Definitely not a star because at the time it was a bit to light for stars. Seemed to get further after while. Do not know end time to to night time.
((NUFORC Note: Venus and Jupiter. PD))
((NUFORC Note: Witness elects to remain totally anonymous; provides no contact information. PD))


text:
tag:blogger.com,1999:blog-4808662138079798978.post6124850973294440502..comments2018-01-27T06:24:58.385-06:00Comments on Oxygentax: That's IToxygentaxhttp://firstname.lastname@example.com:blogger.com,1999:blog-4808662138079798978.post-1091680443520620442011-04-15T16:50:20.650-06:002011-04-15T16:50:20.650-06:00What theft of ballots? OHHHHH the ballots from th...What theft of ballots? OHHHHH the ballots from the unsanctioned-by-Elections-Canada poll on the University of Guelph campus where the Conservatives had legitimate concerns about not being given notice to appoint a scrutineer and about partisan literature within the polling station?

THOSE ballots?

Personally, Zach, I don't see why that particular returning officer felt the need to enfranchise those electors in that way, however it's pretty telling that Elections Canada stopped it as soon as they found out and notified all other returning officers not to do something similar.

I would also point out that when something similar happened in 2006, the event was shut down before any ballots were cast, but the campus had 3 polling stations on election day.

http://www.theglobeandmail.com/archives/article809170.eceoxygentaxhttps://firstname.lastname@example.com:blogger.com,1999:blog-4808662138079798978.post-32805769939635525382011-04-15T11:40:24.684-06:002011-04-15T11:40:24.684-06:00So the whole attempted theft of ballots...that was...So the whole attempted theft of ballots...that was in their platform where again? I must have over looked it.Zach Bellhttps://firstname.lastname@example.com


text:
Governor Kristi Noem toured the damage Thursday afternoon in Sioux Falls, including at Avera Behavioral Health.
Noem says she is working with city and community leaders to figure out the best way the state can help with recovery efforts.
"It's really quite miraculous that people are… we didn't lose lives last night that people made it through the storm they way they did and it's also incredible to see the community out here today. The city cooperating with county and emergency management in the state and then people also just volunteering to help clean up," Governor Noem said.
Noem says the state is partnering with Avera to house patients and help with recovery efforts.


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The hotel and restaurant complex "V & P Resort" is located in the heart of the city of Khust, just 2 km from the railway station. The hotel has 20 comfortable rooms of different... →
Hostel "Panoramic" is located in Hust, 2.4 km from the railway station. Types Hostel stock consists of 4 common rooms. It offers accommodation in bunk beds or a single storey.... →
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text:
For Miami Dolphins fans, watching their team operate during the NFL's free-agency frenzy last month must have been like watching their team during the season—on a bye week, that is.
As expected, general manager Chris Grier mostly sat on his hands as the rebuilding Dolphins shed salary and steeled themselves for a 2019 season that won't be easy. But the ultimate goal is for new head coach and Bill Belichick disciple Brian Flores to start laying the groundwork for future success.
Curious what the AFC East rival Patriots, Jets and Bills will be up to in the draft? Check out Forbes' complete NFL draft coverage.
Team Needs
There are tons of them, hence why this is a rebuilding year. Veteran quarterback Ryan Fitzpatrick was signed as a free agent, but he obviously only is a stopgap after Grier and the organization wisely gave up on mediocre Ryan Tannehill. He was traded to Tennessee last month, leading to the signing of Fitzpatrick. No, it is not imperative that the Dolphins try to secure their QB of the future in this draft, but if they feel he is there, they might as well give it a shot.
But trading up and surrendering picks to select, say, Ohio State's Dwayne Haskins could be counter-productive simply because the roster is so barren after an off-season housecleaning.
Miami especially needs a new right tackle after standout Ja'Wuan James bolted for Denver via free agency. He was only one of numerous veterans to leave, whether by free agency, trade or release. Miami also needs a cornerback to play opposite Xavien Howard.
Mock draft: Forbes.com's contributors project all 32 picks of the first round
First-Round Targets
Considering that Grier certainly isn't operating under a win-now mandate, the most prudent thing to do would be to trade down, acquire more picks and try to fill some of the gaping holes. But Miami also could think big and take Duke quarterback Daniel Jones, whom some scouts see as a more mobile version of longtime Giants signal-caller Eli Manning. Certainly Fitzpatrick has the temperament to mentor Jones as he adjusts to the NFL. Missouri's Drew Lock has the bigger and the higher ceiling, according to some scouts. He also could be a possibility.
The safest pick here, if they stay put, could be Clemson edge rusher Clelin Ferrell, now that longtime Miami sackmeister Cameron Wake is with the Titans.
Later-Round Targets
If the Dolphins don't take a QB in the first round, how about selecting one a little later? Maybe Grier and the front office will take a look at West Virginia's Will Grier (no relation), whom many project as a third-rounder. Scouts aren't enamored with his arm, but they do like his take-charge attitude and will to win.
It's unclear exactly what new offensive coordinator Chad O'Shea's system will look like, given the fact he formerly was the wide receivers coach at New England. But it won't be surprising if the offense relies on the type of short timing throws that the Patriots have emphasized with Tom Brady in recent years as his arm strength has waned somewhat. Grier made many of those kinds of throws with WVU.
None of the holdovers from Miami's running back-by-committee grabbed hold of the starting job last year, so somebody such as Temple's Ryquell Armstead could be a late-round pick.
Best-Case Scenario
Grier isn't new to the role of general manager, but this will mark the first time he has had final say in the draft room now that former executive vice president of football operations Mike Tannenbaum was sent packing by owner Stephen Ross.
So it would not at all be surprising if he plays it safe and declines to pick a quarterback early in the hopes that Miami can perhaps draft Alabama's Tua Tagovailoa next year. So trading down for more, much-needed picks is the safe move, and it would be made even better if Grier could get his namesake in Round 3.


text:
- 2 beds
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- 895113 mls id
- Square Feet: 1,093 sqft
- Year Built: 1981
- Status: Active
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Move-in ready 2-story condo w/basement, 2-bed 3 bath, 1-car garage, corner unit. Living room has a gas fireplace, cathedral ceiling and sliding glass doors to the patio; upstairs laundry, large eat-in kitchen w/ pantry, lots of cabinets, countertops & storage, glass cooktop electric range....
1601 Great Western Dr Longmont, CO
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Courtesy of: Mock Realty Company
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Updated: 27th January, 2020 11:18 AM.
400 Emery St Longmont, CO


text:
Adelani Adepegba, Abuja
The acting Chairman, Economic and Financial Crimes Commission, Ibrahim Magu, has appealed to the British Government to assist Nigeria with the repatriation of stolen money stashed in banks in the United Kingdom.
Magu made the appeal while receiving a delegation from the UK's Serious and Organised Crime Joint Analysis for West Africa at the EFCC's headquarters, Abuja.
The acting EFCC spokesman, Tony Orilade, in a statement on Friday, said Magu expressed worries that the wealth of the country had for a very long time remained trapped in foreign countries, thereby hindering infrastructural development of the country.
Nigeria, he said, would have been better if the stolen money had been returned.
The EFCC boss said, "Our worry is that our money has been held for a very long time in foreign countries and if our money is returned, there will be improved infrastructural development in many sectors of the economy. If all the repatriated funds are pumped into the country, it will significantly enhance our abilities and capabilities."
READ ALSO: Ihedioha wasn't elected governor to fight me – Okorocha
The leader of the SOCJA delegation from National Crime Agency, UK, Paddy Kerr, disclosed that the visit followed the directive from the British Government that each team under SOCJA should go to every region in the world and get the picture of their peculiar organised crimes.
"We need to understand from the EFCC's perspective, what is driving crimes and corruption in Nigeria. What are the key things EFCC is doing that British can assist?" Kerr asked.
Copyright PUNCH.
All rights reserved. This material, and other digital content on this website, may not be reproduced, published, broadcast, rewritten or redistributed in whole or in part without prior express written permission from PUNCH.
Contact: the[email protected]


text:
FORT WAYNE, Ind. (WOWO): A Fort Wayne teen will serve two years of home detention for his role in a fatal crash last year.
Na Lay, 19, was sentenced Monday according to the Journal Gazette. Lay pleaded guilty back in May.
RELATED: Warrant issued for Heritage High School student involved in fatal crash
The crash on Nov. 2, 2018, killed Heritage High School student Ar Zi Za La, 17. Police say Lay was racing another car when he swerved to avoid hitting a truck and rolled the car off of the road on Wayne Trace between Maples Road and Vallyd Acre Drive.


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Sir Elton John has defended Meghan and Harry over their use of private jets.
The Duke and Duchess of Sussex were recently criticised for taking four private jet journeys despite encouraging others to look after the environment.
Last week, the royal couple enjoyed a private getaway in Nice, France, and Elton allowed them to stay in his £15million mansion with their baby son Archie.
Read more: Meghan and Harry's latest Instagram post sparks heated debate among furious fans
After much criticism against the pair for flying on a private jet, Elton took to Instagram to defend Meghan and Harry.
He wrote: "I am deeply distressed by today's distorted and malicious account in the press surrounding the Duke and Duchess of Sussex's private stay at my home in Nice last week.
"Prince Harry's mother, Diana Princess of Wales was one of my dearest friends. I feel a profound sense of obligation to protect Harry and his family from the unnecessary press intrusion that contributed to Diana's untimely death.
"After a hectic year continuing their hard work and dedication to charity, David and I wanted the young family to have a private holiday inside the safety and tranquillity of our home.
"To maintain a high level of much-needed protection, we provided them with a private jet flight."
He added: "To support Prince Harry's commitment to the environment, we ensured their flight was carbon neutral, by making the appropriate contribution to Carbon Footprint.
To support Prince Harry's commitment to the environment, we ensured their flight was carbon neutral.
"I highly respect and applaud both Harry and Meghan's commitment to charity and I'm calling on the press to cease these relentless and untrue assassinations on their character that are spuriously crafted on an almost daily basis."
Singer Pink also spoke out to defend the royal couple, telling people to be "a little kinder" to the pair.
She tweeted: "I'm happy to see people coming to the defense of The Duke and Duchess of Sussex.
"The way people treat her is the most public form of bullying I have seen in a while. It's out of control. Let's all be a bit kinder, huh? Let's show our children that it's cool to be kind."
Read more: Meghan Markle and Prince Harry 'fly on private jet again'
Harry attended Google's retreat in Italy earlier this month, where is believed to have given a speech 'barefoot' on climate change.
He also gave an interview in Meghan Markle's edited Vogue issue, in which he stated they would only have two children, for environmental reasons.
Leave us a comment on our Facebook page @EntertainmentDailyFix and let us know what you think of this story.


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Encouraged by the advanced packaging success story, substrate makers are innovating to follow the market trends
The "Status of Advanced Substrates 2019" report, now available, focuses on three main advanced packaging substrate platforms: advanced integrated circuit (IC) substrates including flip-chip chip scale packaging (FCCSP) and flip-chip ball grid arrays (FCBGA); substrate-like printed circuit boards (SLP); and embedded die (ED). This year's report has in-depth coverage of the technology, players, markets and supply chain, focusing on market analysis, size, share, forecast and describing the landscape for the various advanced substrate platforms.
The total addressable market (TAM) of advanced substrates is expected to grow from $5.3B in 2018 to $10.7B by 2024 with a Compound Annual Growth Rate (CAGR) of 10%. That's more than twice the 4% CAGR of the overall printed circuit board (PCB) market. This shows that supply chain players value and will pay for innovation in substrate manufacturing.
Advanced substrate technology developers have stepped up their game due to the strong influence of advanced packaging's higher level of expertise and performance. The goal is to address new challenges coming from mega-trend driven requirements. In the report, we provide an in-depth analysis with a holistic view that justifies our market size estimate and competitive landscape description.
As we have seen in the advanced packaging sector overall, miniaturization, greater integration and higher performance are all becoming key features for advanced substrates. Applications like fifth generation (5G) wireless technology are demanding FCBGA substrates. Memory is progressively switching from wire-bond to FCCSP. SLP adoption beyond Apple's smartphones is in progress. Huawei is the latest SLP user, and will take it to another level. Meanwhile, for the ED packaging platform, technology improvements and market dynamics are finally paving the way towards further acceptance in mobile, telecom, infrastructure and automotive markets.
On the other hand, each platform is driven by a specific market. It is therefore impossible to generalize as each technology must satisfy specific requirements for a particular market and application. FCCSP is driven by memory, while FCBGA is required for telecom and computing where greater integration and higher performance are compulsory. SLP is a perfect fit in mobile, where reducing the board surface area is critical. ED is a solution for heat management, and power efficiency parameters that are vital for markets such as electric vehicles, telecom and infrastructure. However, in principle, advanced substrate technologies are generic and can be deployed in other markets, giving them a significant advantage over specialized technologies.
Japan is still the center of innovation in this field but Taiwan and China are improving at an amazing rate. Considering global PCB maker revenues, Taiwan is in the lead, followed by Japan and China. The latter will quickly move into runner-up position as huge efforts and investments are ongoing in parallel with environmental regulations China put in place to regulate and consolidate its PCB and substrate manufacturing. With the strong desire of PCB makers to secure new business coming from electronics manufacturers, a clash of advanced substrate giants is inevitable moving forward. There will definitely be more exciting developments and opportunities foreseeable in years ahead. Stay tuned!
About the author:
As a Technology & Market Analyst, Advanced Packaging, Mario Ibrahim is a member of the Semiconductor & Software division at Yole Développement (Yole). Mario is engaged in the development of technology & market reports as well as the production of custom consulting studies. He is also deeply involved in test activities business development within the division.
Prior to Yole, Mario was engaged in test activities development on LEDs at Aledia. He was also in charge of several R&D advanced packaging programs. During his 5 years stay, he developed strong technical & managerial expertise in different semiconductor fields.
Mario holds an Electronics Engineering Degree from Polytech' Grenoble (France). He spent 3 apprenticeship years within Imaging Division of STMicroelectronics Grenoble, where he contributed to the test benches park automation within the test & validation team.
Related report:
Status of Advanced Substrates 2019
Demands from the new digital age are waking up the sleeping substrate giants.
Related webcast:
The Sleeping Substrate Giants are Awakening
On July 2nd, 5:00 PM CET / 8:00 AM PDT
Source: http://yole.fr/
Related presentations
Related Reports and Monitors
Epitaxy Growth Equipment for More Than Moore Devices Technology and Market Trends 2020
Market & Technology
Power Electronics for Electric & Hybrid Electric Vehicles 2020
Market & Technology


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MARTINS FERRY, Ohio (WTRF) – A room full of elementary school students shouted, clapped and sang.
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