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The S&P 500 experienced a 1.6% decline in August but remains 18.7% higher on the year, while the Bloomberg Aggregate Bond Index is up a paltry 1.4% for the year to date.
During his Jackson Hole speech, Jerome Powell reaffirmed the Fed's commitment to a 2% inflation target, solidifying its "higher for longer" stance on interest rates.
Job openings softened, albeit from exceptionally tight levels, and consumer confidence declined as elevated inflation continued to frustrate consumers.
Congress returned from recess at the end of August and is already gearing up for another showdown as a potential government shutdown looms.
The S&P 500 ended August with negative monthly returns for the first time since February. Despite being down 1.6% on the month, the S&P 500 is still up 18.7% year to date. It has not been an easy year for bonds. The Bloomberg Aggregate Bond Index is up only 1.4% year to date, and for the month of August, it was down 0.6%. Since 1976, the Bloomberg Aggregate Bond Index has averaged just two months per year when its monthly returns fell below -0.6%, yet this has happened 11 times since the start of 2022. As of the end of August, 10-year Treasuries were on pace to experience their third consecutive year of negative returns, an occurrence that has not happened in U.S. history.
As summer comes to an end, so does the second-quarter earnings season. With 99% of companies reporting, the blended year-over-year earnings for S&P 500 companies shows that earnings declined by 4.1%, the third consecutive quarter of decline. This growth rate is well below both the five-year average of 12.0% and the ten-year average earnings growth rate of 8.5%. For the full-year 2023, year-over-year earnings estimates are up slightly, reaching 1.2% at the end of August, compared to 0.5% at the end of June. The forward price-to-earnings (P/E) for the S&P 500 is currently 18.8 which is just above the five-year average of 18.7 and 10-year average of 17.5.
Although the Federal Open Market Committee (FOMC) did not meet in August, Federal Reserve Chair Jerome Powell's speech at the annual Jackson Hole Economic Symposium provided insights into the Fed's plans through 2024. Powell reiterated the Fed's "higher for longer" message and confirmed its commitment to a 2% inflation target. He also put any rumors the Fed was contemplating a higher inflation target solidly to rest.
"It is the Fed's job to bring inflation down to our 2% goal, and we will do so. We have tightened policy significantly over the past year. Although inflation has moved down from its peak—a welcome development—it remains too high. We are prepared to raise rates further if appropriate…"
Crude oil inventories have dropped below 2022 levels and the U.S. strategic petroleum reserve (SPR) was increased by 3.6 million barrels over the past four weeks, a small start in the attempt to replenish the 247-million-barrel drawdown authorized by the Biden administration to keep oil prices contained since the Russian invasion of Ukraine. Overall, U.S. crude oil inventories, including SPR, have dropped to 46 days' worth of supply—well below the average since 1980 of 65 days' worth. Combined with a steady decline in rig counts since December 2022, West Texas Intermediate (WTI) crude oil prices have been increasing since July 2022, reaching $83 at the end of August. Given their significance to the average consumer, gas prices are often viewed as a proxy for inflation, which remains a key issue for voters. As such, gas prices have historically had an inverse relationship with presidential approval ratings, and 2023 is following that trend. Biden's approval rating is once again declining and near the lowest of his term, which came in June and July 2022 when national gas prices reached a high of $5.02 per gallon. This dynamic serves as a reminder of the intertwining of markets and politics, which will increasingly come into focus for investors given next year's election.
The labor market shows some signs of cooling down. U.S. job openings dropped to 8.8 million in July, dipping below 9 million for the first time since March 2021, despite still being well above pre-pandemic levels. Voluntary resignations (or quits) have dropped back to pre-pandemic levels, and the average U.S. quit rate sits at around 2.3%. The largest decline in job openings was in business and professional services (-198,000 from June to July) and government (-155,000 from June to July).11 In contrast, job openings in information industries shot up by 101,000, an all-time high, begging the question of whether generative AI is already starting to influence the labor market.
Underpinning the impact of rising gas prices and the cooling labor market, the Conference Board's Consumer Confidence survey dropped by 7.9 points to 106.1—its largest month-to-month decline in two years. Consumers cited rising prices (particularly groceries and gasoline prices) and the tighter job market as the primary reasons for the dip.
The personal savings rate (as a percentage of disposable personal income) ticked down to 3.5% in July from 4.3% in June and is now well below the historical average of 8.9% as measured since 1952. The Johnson Redbook Index, a weekly measure of retail sales growth year over year, has steadily declined since December 2021, dipping into negative territory in July. However, it rebounded in August to levels last seen in early April. The Federal Reserve's Beige Book (a publication recording current economic conditions across the 12 Federal Districts) points to a slowdown in spending on certain retail categories, especially non-essential items. Districts also reported that excess savings have likely been exhausted, which has been corroborated by research by JP Morgan and the San Francisco Federal Reserve. Interestingly, the number of mentions of "recession" in the Beige Book increased to 15, up from the three mentions in July. In contrast, an increasing number of FOMC committee members no longer believe that a recession will occur in 2023/24.
Congress returned from its annual month-long recess at the end of August and is already squaring off for another government shutdown fight. Even though the debt ceiling debate is settled until after the November 2024 elections, another fiscal debate is now looming. Congress needs to pass 12 appropriation bills to fund all government agencies and federal programs before September 30. If Congress cannot pass these bills by October 1 (the start of the government's fiscal year), a "continuing resolution" will need to be passed to temporarily extend funding. Without an agreement or a continuing resolution, a government shutdown may be inevitable. Unlike the recent debt ceiling agreement, this is likely just a case of political posturing before the election and is unlikely to cause any major issues for the economy.
The hot streak that markets had been on over the summer took a pause, and most asset classes ended August with negative returns. U.S. large cap stocks fared better than international counterparts. The S&P 500 fell 1.6%, and the MSCI EAFE ended August down 3.8%. After outperforming the S&P 500 by 3.7% in 2022, the MSCI EAFE now trails the S&P 500 by 7.4% year to date. U.S. small and micro-cap stocks fared worse than international counterparts. The Russell 2000 ended August down 5.0%, and the MSCI EAFE Small Cap ended the month down 3.3%. Emerging and frontier market stocks were the worst-performing asset class in August.
Fixed income posted poor returns in August, as international developed market bonds ended the month down 2.2%. Japan's bonds fared worst, followed by Israel and Sweden. Midstream energy ended August up 0.5% and remains the second-best performing asset class year to date after U.S. large cap stocks.
In foreign markets, the Chinese government announced on August 28 that the stamp duty on securities trading would be halved in efforts to restore investor confidence after international investors dumped a record $12 billion of Chinese stocks in August due to the country's deteriorating economic outlook. This is the first change to the stamp duty on Chinese stock trading since 2008.
On August 31, following guidance from the People's Bank of China, several major Chinese cities, including Shanghai and Beijing, announced eased mortgage requirements for some homebuyers in efforts to revive the country's beleaguered property sector. People will now be allowed to take preferential loans for first-home purchases regardless of credit records, minimum down payments will be cut to between 20% and 30% (from 30% to 40% previously).
Japan is facing a set of increasingly complex challenges. The yen's buying power has dropped to a 53-year low, and the Bank of Japan's real effective exchange rate (a measure of a currency's strength relative to a basket of other currencies) dropped to 74.3. The Bank of Japan continues to purchase staggering amounts of Japanese government bonds, totaling almost $3 trillion in purchases since 2020.
Looking Forward
Despite the recent pick up in retail spending and general resilience in the economy, we do not want to lose sight of the big picture: history strongly suggests that after aggressive rate-hiking cycles, risky assets produce sub-par outcomes. This seems especially likely given that equities already enjoyed high valuations and considerable allocations at the start of the rate-hiking period. Given that forward price-to-earnings multiples for the S&P 500 are at the higher end of historical ranges, stocks aren't cheap in isolation. Further, relative to short-term bonds, which now sport a substantial yield premium, they are more expensive than at any point since 2002. Further, in light of recent high returns for the S&P 500 and improving sentiment, allocations to stocks have drifted up to some of the highest in history.
Taken together, we tend to favor the reward-to-risk of a diversified portfolio that is generally light on equities, as well as credit and interest rate risk, and heavy on the risk-free returns offered by short-term Treasuries. Our humble question is, why stretch for returns?
This post is for informational purposes only and is not intended to provide investment advice. Nothing herein should be construed as a solicitation, recommendation or an offer to buy, sell or hold any securities, market sectors, other investments or to adopt any investment strategy or strategies. This report may include estimates, projections or other forward-looking statements, however, due to numerous factors, actual events may differ substantially from those presented. This material is not intended to be relied upon as a forecast or research. There is no guarantee that any forecasts made will come to pass. As a practical matter, no entity is able to accurately and consistently predict future market activities. The opinions expressed are those of CJW Capital LLC ("CJW Capital") as of the date of publication and are subject to change at any time due to changes in market or economic conditions.
While efforts are made to ensure information contained herein is accurate, CJW Capital cannot guarantee the accuracy of all such information presented. As a result, CJW Capital bears no responsibility whatsoever for any errors or omissions. The graphs and tables making up this report have been based on unaudited, third-party data and performance information provided to us by one or more commercial databases. Additionally, please be aware that past performance is not a guide to the future performance of any manager or strategy, and that the performance results and historical information provided displayed herein may have been adversely or favorably impacted by events and economic conditions that will not prevail in the future. Therefore, it should not be inferred that these results are indicative of the future performance of any strategy, index, fund, manager or group of managers. Index benchmarks contained in this report are provided so that performance can be compared with the performance of well-known and widely recognized indices. Index results assume the re-investment of all dividends and interest.
The information and opinions contained in this material are derived from proprietary and non-proprietary sources deemed by CJW Capital to be reliable and are not necessarily all inclusive. Reliance upon information in this material is at the sole discretion of the reader. Material contained in this publication should not be construed as legal, accounting, or tax advice. All market pricing and performance data from Bloomberg, unless otherwise cited. Asset class and sector performance are gross of fees unless otherwise indicated.


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subset: commoncrawl


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Ultraviolet (UV) levels across Ireland were high enough to cause skin damage on almost 90% of the days between April and September last year according to the Society's UV Index[i]. Most cases of skin cancer are caused by UV radiation which comes from the sun. UV rays cannot be seen or felt and up to 90% of UV rays can get through even light cloud. The Irish Cancer Society is … [Read more...] about Irish sun strong enough to cause damage and increase skin cancer risk on 90% of days last Summer
Skin Cancer
May: Melanoma Awareness Month 2011 – SOS Save Our Skin
As a part of May: Melanoma Awareness Month, developed in Ireland by La Roche-Posay in 2008 with the support of the Irish Cancer Society, La Roche-Posay launch SOS Save Our Skin. This public awareness campaign works to address the increasing problem of skin cancer in Ireland. This campaign is supported by the Department of Health and the Minister for Health, Dr James Reilly … [Read more...] about May: Melanoma Awareness Month 2011 – SOS Save Our Skin
Researchers: Supplements better than sun for improving D-vitamin status
Sunshine is the best natural source of D-vitamin but new research points to supplements as a more responsible choice. Emerging science underpins the need for increasing our levels of D-vitamin as a way of preventing disease but according to a new study, supplements are better than sun for obtaining that boost. Using a computer-simulated model to determine how much sun was … [Read more...] about Researchers: Supplements better than sun for improving D-vitamin status


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Intact Employees at the top of their game
May 1, 2019Two of Intact's Commercial Lines Managers have been recognized by Insurance Business Canada Magazine as 2019 "Young Guns" – a list of the top 35 under 35 insurance professionals taking Canada's insurance industry by storm. While still in the early stages of their careers, Young Guns are quickly making their mark in the insurance industry.
Kamran Afshar and Cody Smith have both demonstrated a commitment to being customer driven and working with brokers to deliver products and solutions that meet customer needs, working collaboratively with colleagues across the business, and giving back in their spare time.
Congratulations Cody and Kamran!
Cody started his insurance career with Intact Insurance seven years ago and has progressed from an underwriting trainee to intermediate and senior underwriting positions. Today, he and his team are responsible for building and maintaining broker relationships. Last year, Cody worked on a cross-functional team to align our national commercial lines wordings and product development.
Cody has also been named Canadian Broker Network's Underwriter of the Year in 2015 and 2016 and was a finalist for the Insurance Institute of Canada's 2017 New Track FCIP Award. Outside of the office, Cody serves as an ambassador for the Young Insurance Professionals of Toronto [YIPT] and is involved in organizing participation in events and providing support for YIPT initiatives.
Kamran has more than 11 years of P&C insurance experience spending time at belairdirect in direct distribution and now at Intact Insurance working with brokers. In his current role as a Commercial Lines Manager, heads up the fleet and IRCA teams focused on delivering products and solutions for customers and brokers. He also led the Personal Lines' training efforts for all Toronto-area brokers.
Committed to giving back, Afshar served as a mentor in the Young Insurance Professionals of Toronto's mentorship program last year and also co-founded the Mehran Afshar Scholarship at North York General Hospital with his sister-in-law following the passing of his brother in 2016. Annual fundraisers contribute to the endowment for the scholarship, which is awarded every year to a student in need to help with their continuing education.


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Made of solid hardwood, this 36″ round table is cozy for 2. With both 6″ leaves down, the table shrinks to 24″ wide X 36″ long.
We offer white-glove delivery or in-store pickup for your convenience. Please call for availability.
Not from the Hampton Roads area? Give us a call or send us an email for a shipping quote.


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During the MTV Movie and TV Awards, a new clip for Marvel's Loki appeared, entitled "Introducing Agent Mobius" and long-time comic book fans might have felt the nerd chills at this point. If you didn't feel any chills of excitement, then you probably need to know who Agent Mobius is, and what exactly the Time Variance Authority (TVA) is all about. Well, we've got you covered, explaining why you should get excited for Marvel's Loki, which starts on Disney+ on 9th June 2021.
Who is Mobius in Marvel's Loki?
Agent Mobius, also known as Mobius M (nickname Moby), is a middle-management bureaucrat in the Time Variance Authority (more on that later). The character first appeared in Fantastic Four Vol 1 issue #353 all the way back in June 1991, not-so-coincidentally the same month in which Marvel's Loki is set to release 30 years later...
While it is still unconfirmed if we will see some of Agent Mobius' co-workers, Mr Tesseract, who is named after the vessel for the Space Stone in the MCU, which Loki stole. Therefore, it would make sense to see him with Mr Tesseract at some point as well.
Agent Mobius, just like other cloned managers of the Time Variance Authority. Mobius M resembles Marvel Comics' late editor, the legendary Mark Gruenwald.
Marvel introduced Agent Mobius (portrayed by Owen Wilson) in the latest Loki clip which you can view below. Owen Wilson is simply a perfect fit to resemble Mark Gruenwald.
Already, we can see the banter between Loki (portrayed by Tom Hiddleston) and Agent Mobius, is going to be fantastic.
From all the TVA agents, good old Moby has appeared the most in Marvel comics.
What is the TVA in Marvel's Loki
To get a better understanding of who Mobius is in Marvel's Loki, you need to understand what the Time Variance Authority is, and how this organization ties into the upcoming Disney+ show.
The TVA in the Marvel comics, and the Loki series, is essentially "time police" in the MCU. They monitor the multiverse and can even delete timelines that they deem are too dangerous to exist. Further, they can and will take action against those who try to alter the future by changing the past.
Inside the TVA (Picture: Marvel)
Every agent in the TVA, including Mobius, is a clone. They do sometimes hire mercenaries, or make use of the law firm in which She-Hulk works. Their low-level agents are faceless beings.
The organization was created by the Time Keepers to protect the timeline, and if you are wondering how the God of Mischief, Loki, plays into all of this, then think back to the scene in Avengers: Endgame an alternate version of Loki created a new timeline, escaping the clutches of his captors.
In Marvel's Loki clip introducing Agent Mobius, Loki explains: "You were created by the Time Keepers to protect the sacred timeline."
The introduction of the TVA and Agent Mobius could see far-reaching ramifications in the MCU, and Marvel's Loki will very likely not be the last time we see the organization.
For more news on movies and TV series, check out our dedicated entertainment section.


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Custom printed backdrops—they're here to stay!
According to the Stanford Institute for Economic Policy Research, an incredible 42% of the US labor force is now working from home full-time—creating new challenges and new opportunities. If you Google video conferencing best practices, you'll get a few tips about lighting, appearance, audio, and most importantly, controlling the background. A messy background can ruin an otherwise professional presentation. But we've got you covered, so to speak, with large format printing materials for creating custom backdrops.
Portable, easy to set up, and able to be printed with any image, logo or message, printed backdrops give a more professional air and instill a brand's message.
Printed backdrops are a growing opportunity for Print Service Providers. HP makes it easy for you to take advantage of this market with several banner options at an attractive price:
- HP Light Fabric
- HP Removable Adhesive Fabric
- HP Everyday Matte Polypropylene
- HP Double-sided Blockout Banner
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Watch the video HERE.
To learn more, or to order, contact your HP Large Format Media Specialist at 888-893-4668, HPLFMedia.com or email firstname.lastname@example.com.


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Tribute Wall
Jill posted a condolence
Thursday, March 31, 2022
I just found your online memory book and wanted to add what a wonderful and considerate person Arline was. My mother Ellen was her across-the-street-neighbor for a number of years and played mah jongg with Arline. She loved her like a sister. Arline always asked about my family and genuinely cared for their success and well being. She will be missed. May her memory be a blessing. Sincerely, Jill Gruben
Rosemary Tabachneck posted a symbolic gesture
Friday, March 18, 2022
Dear Phyllis, Eric, Becky, Sarah and Katie,
I was so saddened to hear that Arline had gotten ill and passed. She was a very special friend and I loved her like a sister. May her memory be a blessing and may she rest in peace.
Rosemary Tabachneck
Constance Travis posted a symbolic gesture
Wednesday, March 16, 2022


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Family-Friendly Holiday Activities
The holiday season is a beautiful time of year to spend with loved ones, but it can be hard to find family-friendly holiday activities that everyone can enjoy. You want to plan something that will be fun for young children in the family, and you also want to find something safe for the seniors in your life. Luckily, there are plenty of family-friendly activities for your family.
Activities for the Whole Family
Whether you're looking to entertain a range of ages or looking for a way to bring your adult family together, these activities are safe and fun for the whole family.
Movie Night
Grand Junction winters can get pretty chilly. Invite your realities over for a movie night instead of venturing into the cold and snow. As each person arrives, have them write the title of their favorite holiday movie on a piece of paper and place it into a bowl. Once everyone comes, have someone draw a piece of paper from the bowl. Whatever film is on the paper is what you watch.
And, of course, you can't enjoy a movie night without snacks. Make sure you have plenty of film-watching essentials such as candy, pizza, and popcorn. Place the food out so everyone can conveniently eat when they're hungry. Once the food is set, and you've decided on the movie, wrap up in your favorite blanket and enjoy!
Holiday Cooking and Baking
There are many food-related traditions around the holidays, and they're a fun way to get your family in the kitchen together. If your family celebrates with a festive dinner, encourage loved ones to prepare the meal together. Each person can have a specific dish to cook, or you can assign tasks to everyone, such as chopping vegetables, shredding cheese, or browning meat.
Holiday baking is also a great way to get everyone involved in the kitchen. You can bake traditional holiday sweets or have a bake-off where everyone bakes the same thing, and you have other family members do a blind taste test to vote on which is better.
Holiday-Themed Games
There's no better way to spend time together for competitive families than with a game night. You can turn just about any game into a holiday activity with a festive spin. You can play charades, but everything you act out has to be holiday-related. Or you can place a memory game with festive pieces to memorize. You can also shop online or head to the local convenience store to browse tons of holiday-themed games. Keep the holiday theme going through the whole night with festive treats, music, and outfits. You can also have a themed prize to give away at the end of the night.
What to Consider to Keep Aging Loved Ones Safe
As you're planning family-friendly holiday activities, there are a few things you should consider to ensure the aging loved ones in your life stay safe.
- The weather- Before bringing aging loved ones on a winter adventure, consider the weather. As we age, our bodies cannot produce and retain heat as well as they once did, meaning seniors tend to get colder faster outdoors. If you're spending extended periods outdoors and the temperature is low, ensure your loved one is appropriately dressed and has somewhere warm to retreat to if they get too cold.
- Physical activity level- Many families enjoy participating in winter sports together, but not all physical activities are appropriate for older adults. Activities involving high cardio or strength levels aren't the best options for seniors. If your loved one enjoys physical activities, keep the activity low or moderate-intensity and make sure your loved one doesn't overexert themselves.
- Time- Some seniors who have Alzheimer's disease and other forms of dementia may experience sundowning. Sundowning is when a person grows confused and anxious as the sun goes down. Most seniors cope with sundowning by sticking to a predictable routine. Plan activities early in the day while the sun is still shining to avoid triggering more anxiety and confusion at night.
How Visiting Angels Can Help
If you have an aging loved one who needs help caring for themselves this winter, the team at Visiting Angels Horsham can help. Our trained caregivers can assist in dressing, personal grooming, light housekeeping, meal preparations, transportation, mobility, and more. Our Horsham office serves those in Horsham, Hatboro, Willow Grove, Ambler, Lower Gwynedd, Spring House, and the surrounding areas. If you'd like to learn more about our services, you can call us at 215.938.7202or complete this online form.


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Growing Thru Grace Broadcast Player
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God Can Even Reach You!
Acts 16:11-24
We're looking forward to getting back to our series in the Book of Acts by picking up where we left off yesterday in Acts chapter 16:11-24. Pastor Jack has been teaching us through the account of Lydia the first convert listed on this next missionary journey. The balance of this study will cover Paul's encounter with a demon-possessed fortuneteller and the reaction from her employers. Let's join our teacher now for the conclusion of this message. Here's Pastor Jack.
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Lei Punahele Notebook 5x7 in.
Our Lei Punahele/Lei Trio print is now available in Pocket Notebook form!
• Pocket Notebook measures 5in x 7in
• 30 blank pages
• Saddle Stitched with Staple
• Outside: 110# smooth cover
• Inside: 60# smooth paper
• Made in Honolulu, Hawaiʻi
This listing is for the notepad selected ONLY.
© Kakou Collective 2021
Colors may vary based on screen and lighting.


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Silicon nitride
Values are benchmarks for easy comparison. Other materials on request
Top-class high-performance ceramics
A combination of excellent material properties makes silicon nitride the ideal material to meet extreme requirements: high wear resistance, high thermal shock resistance, high thermal stress parameters, elevated use temperatures, low density, high fracture toughness, strength and resulting high edge strength (insensitive to impacts and shock stresses).
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Wear parts in motor engineering |


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Date, Location, & Fees
New dates coming soon
Develop a more effective client-centered practice by drawing heavily on advances in psychology, behavioral finance, evidence-based decision making, and the human sciences to better understand the biases, behaviors, and perceptions that impact client decision making and financial well-being.
Highlights & Benefits
Financial planners, investment advisors, brokers, CFP® professionals, and those on their way to obtaining CFP® certification
Academic Director
Christopher Geczy, PhDAdjunct Professor of Finance; Academic Director, Wharton Wealth Management Initiative; Academic Director, Jacobs Levy Equity Management Center for Quantitative Financial Research, The Wharton School
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Develop investment portfolios that generate the highest return for your level of investment risk. This program provides a solid foundation for building optimal portfolios and effective tools for making better investments.
Investment professionals and service providers, including portfolio managers, analysts, and insurance and commercial bank executives
Jules van Binsbergen, PhDThe Nippon Life Professor in Finance; Professor of Finance, The Wharton School
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After details about Adam Jones new deal with the O's emerged, WJZ's Mark Viviano made a fantastic point about the Orioles contract extensions.
"Who have they failed to keep," Viviano tweeted?
Today Baltimore will lockup their star center fielder with the biggest contract in franchise history, six-years at $85.5 million.
Just last season, the Orioles signed shortstop J.J. Hardy to a 3-year, $22 million deal. In January of 2009 they signed Nick Markakis to a six-year, $66 million deal and inked Brian Roberts to a four-year, $40 million deal in February of that same year.
I suppose you could criticize the Orioles for letting Mike Mussina leave for New York 11 years ago. Even that came after he played a decade in Baltimore.
If you're looking to criticize the Orioles, you can take a shot at the franchise for not signing free agents. But they have a history of locking down their talent.


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China-South Korea ro-ro container traffic sinks to six-year low
Container volumes carried by South Korean ro-pax ships, or car ferries, sank to a six-year ...
Europe is well-positioned to nearshore its entire battery production by 2027, ending reliance on China and the US, Transport & Environment (T&E) has argued.
The group, which claims to be "Europe's leading clean transport campaign group", is anticipating divestment from China, which last year produced 77% of all batteries.
T&E is calling for the EU to "answer" the US Inflation Reduction Act, which it says would tempt battery producers away from Europe with subsidies and tax breaks, causing it to miss out on significant market share.
As well as building cars, a future for the emerging market for battery-electric trucks is hanging in the balance, with China's BYD in one corner, European heavy-hitters Daimler and Volvo in another and Tesla in the US also in the running.
According to Bloomberg estimates, the US and Europe will need to invest $87bn and $102bn, respectively, by 2030 if they want to establish manufacturing bases to rival those of China.
"The EU's phase-out of combustion engines in 2035 has already spurred much investment… today half of the lithium-ion battery cells used [for electric vehicles and energy storage systems] in the EU are already made there," said Julia Poliscanova, senior director for vehicles and e-mobility at T&E. "But the Inflation Reduction Act has changed the rules of the game, and Europe needs to put more money on the table or risk losing planned battery factories and jobs to America."
T&E's proposal is a European sovereignty fund to support domestic battery production, which would be accompanied by a streamlining of EU rules on state aid.
Portugal, Finland, Serbia, Czech Republic, France and Germany are rich in lithium deposits. T&E calculates that European refiners could provide enough lithium to cover 50% of Europe's needs by 2030.
Ms Poliscanova said: "A European Sovereignty Fund would support a truly European industrial strategy and not just countries with deep pockets. But spending rules need to be streamlined so that building a battery plant does not take the same amount of time as a coal plant."
A side-effect of domestic European production would be to reduce the number of long-haul transport moves powered by lithium-ion batteries. These have proved risky when carried on ships in large numbers, something insurers have found impossible to ignore.
"Batteries are not only a potential cause of fire, if damaged, overcharged or subjected to high temperatures. They can also aggravate other causes of fire at sea and are difficult to extinguish as they have the potential to reignite days or even weeks later," said Capt Rahul Khanna, global head of marine risk consulting at Allianz Global Corporate & Specialty, last year.
The Loadstar yesterday reported on one such lithium battery fire, which levelled a Bolloré Logistics Group warehouse last week in Normandy. The French-owned multinational does not manufacture its batteries in China, but rather France and Canada, through a subsidy, BlueSolutions.


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There have never been so many ways to market your business. Offline and online, social media, email, blogs, influencers, collaborations, SEO, ad retargeting… the list goes on. It is easy to feel like you need to be everywhere and do everything to keep up with your customers and competitors.
But the truth is that many small business owners are doing themselves a disservice by jumping straight into their marketing tactics, spreading themselves too thinly and not making strategic decisions about where to best invest their marketing dollars.
The result is that many businesses are wasting money, not seeing the results they expect, losing customers to their competitors and getting caught up in a spiral of flash sales and discounts.
The solution? You need to "down the tools", step back and engage in strategic marketing.
Strategy vs Plan vs Tactics
Like any area of business, marketing involves making decisions at multiple levels. Some are big picture, vision level. Others are day-to-day, operational level. The key to effective marketing is to ensure decisions being made at all these levels are well-aligned to the overall goals of the business.
The best way to ensure your marketing efforts are aligned is to take a top-down approach – develop your marketing strategy first to set the course and let that guide your other decisions.
Let's break down the three core elements of effective strategic marketing:
- Marketing strategy
Outlines your marketing goals and the key components involved in achieving them, including target markets, marketing channels, competitors, opportunities and risks. Typically has a 2-5 year timeframe. - Marketing plan
Outlines how you will implement your marketing strategy across the seven P's of marketing; product, price, promotion, place, people, process, and physical evidence. Typically has a 12-month timeframe. - Marketing tactics
The specific actions you will take or campaigns you will launch as part of your marketing plan. Timeframes are generally less than 12 months.
For example, let's say you have a business goal to increase your revenue by 20% over the next two years.
Your marketing strategy might outline an approach to achieve this goal by expanding into new markets with your existing products/services. It would look at which markets offer the most potential, the profile of your ideal customer, your unique selling proposition in these markets, what risks need to be mitigated – just to name a few!
Your marketing plan will then dive into the different ways you will go about expanding into the new markets. This could involve:
- opening new stores in different locations
- launching an online channel
- repositioning your product to appeal to new markets
- social media campaigns to build brand awareness
- promotional campaigns to increase conversions
- reassessing the pricing and packaging.
Lastly, your marketing tactics involve putting your plan into action by designing, implementing, measuring and adjusting the various campaigns you launch.
The common mistake many small business owners make is to jump straight into the tactics. They get caught up in boosting their social media following, or offering discounts to increase sales, or overextending their product line (adding too many products). They catch 'shiny object' syndrome and go chasing after the latest marketing fad without understanding if it is aligned to their business or having a long-term plan for its development.
Without the foundation of a strong strategy and plan, you risk your marketing efforts falling flat or taking you way off course from your goals.
What needs to be in a marketing strategy?
To get you started on the right foot, a marketing strategy should include the following components:
- Business Goals
- Marketing Goals
- Market Profile
- Customer Profile
- Competitor Analysis
- SWOT Analysis (Strengths, Weakness, Opportunities, Threats)
- Unique Selling Proposition
Many of these components are also pulled into your marketing plan to make sure you are staying true to your strategy. But your plan will shift down to another level of detail across things like team roles and structure, budget and metrics to measure the success of your marketing efforts.
Case Study: Bunnings Warehouse
The Australian hardware giant Bunnings is an excellent case study of effective strategic marketing in action. They consistently rank as one of Australia's most trusted brands. Their market position was strong enough to hold off the entry of Masters as a major competitor. And their brand equity has played a huge role in pulling them through the COVID storm and retaining their status as a trusted brand.
From humble beginnings as a sawmill in Western Australia, Bunnings was bought by Wesfarmers in 1994 and began its domination of the retail hardware market. Wesfarmers saw an opportunity to capitalise on Australia's booming housing market, increasing expenditure on home improvement, a desire for DIY and a fragmented competitor landscape.
Bunnings' mission is to be "the leading retailer of home and lifestyle products for consumer and commercial customers in Australia and New Zealand". So the main marketing strategy for Bunnings is to capture as much market share as possible across their two key markets: DIY home improvement customers and Tradies.
Their positioning for both markets is tied back to their unique selling proposition: low prices across the widest range with expert advice. These are the pillars of their marketing strategy and flow through all aspects of their marketing mix.
They brand themselves as a warehouse to align with the idea of lower costs being passed onto customers through lower prices. The fit out of their buildings reinforces this with wide aisles, exposed ceilings, tall shelves and bulk box packaging. They tell us in their advertising campaigns that they don't do sales because they always offer the lowest price. Their DIY market trusts that when they go to Bunnings they can ask questions without feeling silly. Their staff are approachable and friendly. Their weekend sausage sizzle fundraisers are iconic. Their trade customers know they can get what they need with a low price guarantee.
Bunnings are active on Instagram, YouTube and Pinterest, because these channels align with where their DIY customers are looking for content. And they have not abandoned tried and tested channels like TV advertising and print media.
One of the other key features of their marketing strategy is geographic spread. They have over 370 stores across Australia and New Zealand, employing over 48,000 people. And across those stores there is consistent execution across the marketing mix. The layout of the stores, the staff uniforms, the cafe and playground, the green and red branding, all combine to create a familiar and trusted customer experience.
The wrap
Sometimes marketing your business can feel like throwing paint at a wall and seeing what sticks. But it shouldn't be that way. Taking a top-down approach to strategic marketing is the answer. It will give your business the direction it needs to focus marketing efforts in the places where you have a better chance of achieving significant ROI.
If you're actively marketing but aren't seeing the ROI you had hoped for, get in touch today for a free 30-min phone consultation to see how we can help you with a strategy-first approach to your marketing efforts.


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Porosity and Fluid Prediction through Geostatistical Inversion of Minagish Oolite, Minagish Field, South West Kuwait
- Publisher: European Association of Geoscientists & Engineers
- Source: Conference Proceedings, EAGE Workshop on Applications and Challenges of Rock Physics for Quantitative Geophysical Interpretation, May 2012, cp-274-00014
Porosity and fluid prediction of Minagish Oolite, Minagish Field of south west of Kuwait was carried out using geostatistical inversion approach. This field has several reservoirs and the oil is accumulated primarily in the Minagish Oolite reservoir of Lower Cretaceous age. This reservoir consists of thick porous carbonate containing oil in unsaturated condition. Geostatistical inversion using Bayesian inference combined with Markov Chain Monte Carlo (MCMC) sampling algorithm integrates the information of well logs, geological constraints, geostatistical parameters and seismic data. Multiple realizations of geostatistical inversion were generated to output highly detailed P-impedance and lithology of the reservoir, which were then used to co-simulate porosity and water saturation. The results of porosity and water saturation of this study are validated through recently drilled wells.


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Linux 4.14 File-System Benchmarks: Btrfs, EXT4, F2FS, XFS
Linux 4.14 performance didn't really change for SQLite. Of these file-systems, XFS remains the fastest for SQLite while Btrfs with its default copy-on-write behavior is by far the slowest for databases like SQLite.
Random read performance didn't change with the exception of XFS now being a bit faster.
While on the random write front, the performance was unchanged.
The sequential read performance did see some fluctuations in these test conditions with XFS and EXT4 both being slower on Linux 4.14 while for this test Btrfs was the fastest.
But with sequential writes, there were no changes to report with FIO on Linux 4.14.


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Exhibits: Make them Big for Free
September 22, 2006
Have you rasterized today?
I have been given a tip on how to make HUGE enlargements for exhibits from a recent law school graduate, and I want to pass it on to everyone. The process is called "rasterizing" and it pretty much is breaking a picture into parts, and printing each part on a sheet of paper for assembly into one big picture.
Lawyers keep getting younger, and smarter
Every year I teach at a continuing education seminar hosted by the North Carolina Academy of Trial Lawyers. The Seminar is designed to provide recent law school graduate with a "working knowledge" of things they don't teach in law school, such as personal injury law. I teach on "How to Handle Personal Injury Cases from Start through Trial" which is a lot to cover in one hour.
Anyhow, a young lawyer named Shane Perry from Charlotte sent me an email giving me a tip on another way to make poster size (or larger) enlargements for trial exhibits. Shane recently opened his own law firm in the Lake Norman area with an emphasis on real estate and franchise law. Check out his website above for more details.
Rasterizing?! What's that?
Well, if you want a thoroughly confusing "computer" definition that involves vector graphics and bitmap images, you can click right here.
Here is my definition: Rasterizing is when you take any image file and ask the computer to make it significantly bigger. Rasterizing uses those little "dots" of color you see in newspaper images. The rasterizing program then figures out how much you can fit on a printable page, and "divides" up the image into that many pages. Then when you print it, you get pages that will fit together into one big "poster" size version of your smaller picture. Like drawing a huge picture on a field of post-it notes and then stacking them all up for easy carrying. You could then reassemble them anywhere into the original "big" image.
The Rasterbator is Free
Shane sent me a link to http://homokaasu.org/rasterbator/ which is a free on line software program called, you guessed it, The Rasterbator. You can either upload a file from your computer or use any file that is publicly available on the Internet. After you have cropped the image and selected a desired size, the rasterbated image will be sent to you as an easily printable pdf file.
Rasterbator says you can enlarge your image to 20 meters (@ 60 feet) in size. Yikes, that's huge!
Rasterbating is Easy
I rasterbated an image of a courthouse reflecting in a pond that I use on my website. I enlarged it to poster board size which constituted 12 sheets of legal size paper.
The Rasterbator gives you an option for black and white, monochrome (select a color), and full color.
You upload the image, then crop, then select your output size. The computer then rasterizes the image and sends you a .pdf version to print.
That didn't work for me. I could never find the .pdf. But there is a download of the program which did work for me. The download did not have the "crop" feature, but you can simply crop your original image instead.
I'll come back and post a "before" and "after" photo but I'm not exactly sure if this is the best way to enlarge images for trial. I'll have to experiment a little more, but the problem I see is that the image is best if viewed from a distance and gets a little weird if viewed up close. I'll also have to see how words look when rasterized.
It is still a neat tool to have. Thanks, Shane.
Chris Nichols


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The forefathers knew all along that homosexual males posses poisonous personalities
Given that we have now got extra knowledge about open lesbianism, therefore is able to see just how normal babes are able to turn that way because of ladies' most plastic sexuality, we could see the dangerous nature of lesbian sexuality aswell
Hey, may as well incorporate the woman possessions for the better until 40 hits and she slams into the wall structure and then the party stops suddenly.
She actually is in her after 20's today. To ensure wall structure is going to be hitting quickly. However, if she remains in shape along with a healthy body she's going to milk it so long as she will.
Should. However if she actually is ODing regarding 3 Ds (drinks, drugs, cocks, as mentioned in this essay) she's impossible.
After all, what exactly is homosexual aˆ?rightsaˆ? although forcing of complete complete strangers to fancy and approve of those…in truth, compliments them
from what I've seen and read she resides a pretty thoroughly clean alive. Steady continuous sweetheart, still life along with her household, with no pills.
Believe is terrible? Try imagining they back the mid 90's and early 2000's. The convention circuits permitted sex and erotica types and performers inside tv series. So that they would fill-up most of musician alley with a number of sleazy lookin dudes all wanting to just take photographs the help of its favored porno movie stars and washed-up Playboy types. At some point parents and comic providers reported concerning the disturbances and crowds they will get together with meeting control prohibited all of them from visiting shows. I did satisfy Aria Giovanni from time to time before she ceased attending.
Thankfully the, ah, secure sharks that I have seen doing the Harley Quinn getup went for less-skintight variations of their initial outfit.
Babes have very quick focus span and they get annoyed very quick. They require continual pleasure so they really is going to do almost anything to attempt to aˆ?fit inaˆ? and think aˆ?importantaˆ?.
If a white lady provides this lady religion as Asatru or calls by herself an Odinist geek2geek profile examples, that could get in any event. She could integrate a screwed up life with support for Donald Trump.
Overuse of aˆ?likeaˆ? is much more inconvenient if you ask me. However these are all singing tics of top SMV female (18 to 24). By get older 30 they talk considerably normally.
They kind of vaguely understood about lesbianism, but lesbians held a decreased profile and grabbed benefit of the propensity for males and girls to reside different personal spheres, so guys did not have numerous possibilities to experience lesbian actions.
Here right here. I found myself, sadly, around a lot of lesbos at a recently available farm fair. Luckily for us, I really don't ordinarily discover someone such as this frequently but a small grouping of them should have ordered a groupon or something. They may be off-putting as you would expect. There's something…kind of like an odor although its not really an odor, that represent their characters. Without a doubt its uniquely lesbian but similarly ridiculous since their particular entire being seems to personify entitlement and this also perpetual processor chip on shoulder, which I envision has really significantly less related to getting a lesbian (and for that reason a aˆ?marginalizedaˆ? group), rather, with much deeper issues. Deep issues that they normally use lesbianism to leave or distract from, consequently they never confront the true problem. They are repellent. A number of them had aˆ?kidsaˆ?, basically really just awful to see one of several lesbians with a aˆ?kidaˆ? has been a good appearing woman, yet not a fantastic 10. She ended up being talking a foreign code to the lady aˆ?kidaˆ? (or better yet aˆ?petaˆ?). Today, in general that's good, however it wasn't Spanish or French or German…or any practical vocabulary. They sounded eastern and that I can acknowledge all the above mentioned or languages that point. Bottom-line aˆ" this was impractical. I can't imagine this might be some sort of an ethnic thing, since, lesbians hate nationalism and are usually all leftists. Therefore, its this lady attempting to make the woman aˆ?petaˆ? different, thus, she will brag to people that the girl aˆ?petaˆ? can speak some rare words creating this lady appear innovative and worldly. Put another way they serves the lesbian not the pet to whom she's trying to program globally that she actually is an exceptional aˆ?motheraˆ? too. This, without a doubt, negates that most attempt, because typical parents place their own toddlers before by themselves. Therefore, a standard parent could well be talking, say, Spanish to the lady as it will probably provide that child well by learning it. But that is the items about lesbians (and homosexuals overall), I discover this deep rooted however highly concealed selfishness about all of them. Final opinion, apropos to problems, selfishness and also this lesbian overhead. She was not a 10. Could she end up being a great looking girl aˆ" YES. Not perfect. And that is the thing I think becomes these women going batshit, especially, they were not generated 100percent optimal. Once more, the selfishness.


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The Pool of Real WealthLast Thursday, the people of Britain voted in a referendum to leave the European Union (EU). Most commentators view Britain's exit ("Brexit") from the European Union as bad news for economic growth in the UK and the euro zone. As a result, it is argued, the growth rate in the rest of the world will be also badly affected. It is more likely that, whether the pace of real economic growth over time will weaken or strengthen is going to be set by the pace of expansion in the pool of real wealth. A strengthening in the pace of economic growth implies a strengthening in the rate of growth of the pool of real wealth. Conversely, a weakening in the pace of economic growth implies a weakening in the rate of growth of the pool of real wealth. The ability of an economy to generate a rising rate of growth of the pool of real wealth is determined by the ongoing expansion and the enhancement of the infrastructure. This permits the increase in the rate of growth of the production of goods and services to support people's life and well-being. The key for this is an ongoing allocation of some portions of real wealth toward the formation of capital goods (i.e., the enhancement and the expansion of the infrastructure). NB: The allocation of real wealth here means that a portion of real wealth is channeled toward the activities that are engaged in the expansion and the enhancement of the infrastructure. Now, if real wealth were to be directed toward the production of final goods and services only — while an inadequate amount is allocated toward the expansion and the enhancement of the infrastructure — this will amount to a consumption of capital. Over time this is going to undermine the economy's ability to pursue rising economic growth. In fact a prolonged neglect to allocate a sufficient amount of wealth toward the enhancement and the expansion of the infrastructure is likely to result in a stagnant or even in a declining pool of real wealth over time. This means stagnant or declining real economic growth — a fall in people's living standard. |
How Will Brexit Affect the Wealth Generation Process?If the process of wealth generation is currently in good shape then Britain's exit from the EU shouldn't have any negative effect on real economic growth. This, however, might not be the case. It is likely that the reckless monetary policy of central banks in the UK and the eurozone has inflicted a severe damage to the process of real wealth formation. Loose monetary policies (i.e., monetary pumping and the artificial lowering of interest rates) sets in motion the diversion of real wealth from wealth generators toward non-wealth generating activities. This in turn over time weakens wealth generators ability to expand the pool of real wealth. Since the 2008 financial crisis, following the lead of the US central bank, the central banks in the UK and the eurozone have aggressively lowered interest rates and pushed monetary liquidity to the banking system. In the UK, the central bank policy rate was lowered from 5% in January 2008 to 0.5% currently. In the eurozone the policy rate was lowered from 4.25% in July 2008 to 0% at present. |
Yearly growth rate of the Bank of England balance sheetThe yearly growth rate of the Bank of England balance sheet jumped from 22.2% in January 2008 to 163.8% by October of that year. The yearly growth rate of the European Central Bank balance sheet jumped from 15.3% in January 2008 to 55.1% by November of that year. |
Yearly growth rate of the ECB balance sheet 2008/2009Unfortunately it is not possible to establish the magnitude of the damage that these loose monetary policies have inflicted on the process of real wealth formation. (It is not possible to calculate the size of the pool of real wealth since we cannot establish the total of various heterogeneous goods and services.) We suggest that in the event of a plunge in real economic growth, this is going to happen not on account of the Brexit but in response to the severe damage that previous reckless monetary policies have inflicted to the process of real wealth formation. In response to the Brexit, it is also highly likely that both the UK and the euro zone central banks will be ready to push more money in order to "keep" real economic growth going, thereby inflicting further damage to the wealth generating process. Also, the current highly regulated EU centralized economic framework is restrictive toward opening up markets, promoting free trade and ultimately economic growth. In this respect BREXIT, which is an act of decentralization will provide more scope for competitive markets and hence should be an agent for economic growth. |
Real GDP and Economic GrowthThe popular way of thinking assesses economic growth in terms of so called real GDP. I have noted elsewhere that the whole concept of GDP is a hollow one. Changes in the so-called real GDP are in fact depicting changes in money supply. Consequently, fluctuations in the growth rate of money supply are manifested in the fluctuations of the real GDP. Based on the lagged growth rate of money supply it is likely that the yearly growth rate of UK real GDP is forecast to close at 3.5% by Q4 from 2% in Q1. By Q4 next year the yearly growth rate is forecast to climb to 4%. For the eurozone, I forecast the yearly growth rate of 3.6% by Q4 versus 2% in Q1. For the Q4 next year the growth rate is forecast to settle at 4.3%. |
ConclusionWe can thus conclude that based on the lagged money supply growth rate it is quite likely that we could have a strengthening in the growth momentum of real GDP in both the UK and the euro zone. In terms of true real economic growth the likely acceleration in the monetary pumping by central banks is going to undermine further the process of real wealth formation. As long as the pool of real wealth is still holding, central bank policymakers could get away with the myth that they can grow the economy. Once the pool starts to stagnate or to decline, the myth that central banks can grow an economy is shattered. One could only hope that notwithstanding central banks damaging policies wealth generators could keep the pool of wealth growing. Charts by AASE (Applied Austrian School Economics) Chart and image captions by PT This article appeared originally at the Mises Institute |
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The Colorado Housing and Finance Authority (CHFA) has identified four priorities for its low-income housing tax credit (LIHTC) program this year. They are:
- Projects serving homeless persons;
- Projects serving persons with specials needs:
- Projects in counties with populations of less than 175,000; and
- Projects in counties impacted by a natural disaster. This priority has been modified to state that projects that use 4% credits with state credits and Community Development Block Grant—Disaster Recovery funds in Boulder, Larimer, and Weld counties will be given the highest priority
CHFA will have $13 million in federal 9% credits and $5 million in state credits this year. The application fee has increased from $3,000 to $5,000, according to a summary of changes.
The 2015 qualified allocation plan was approved by Gov. John Hickenlooper in January.


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Summer is often a time when businesses slow down or go on hiatus. Not so with manufacturer of corrugated moving containers Packaging And Crating Technologies, LLC (PACT), which created a grassroots fundraising opportunity for the Tunnel to Towers Foundation (T2T) that ran from the Day of the Fallen until the 4th ofhe July based on sales of its popular LiftVan product line, the most in-demand shipping and moving box used by the military. On Tuesday, July 11, 2023, the Watertown-based company presented a check for $7,200 to the national charity that directly benefits US military veterans and first responders, especially those involved in the 9/11 tragedy in New York, at the company headquarters.
"Summer is prime season for movement within all branches of the military, so we anticipate a positive outcome, but we are thrilled that our small family business was able to raise thousands of dollars for a great cause that helps our war wounded. heroes who continue to fight long after their service on the front lines and in the line of their daily duty," said Rodger Mort, PACT's director of operations.
The T2T Foundation provides mortgage-free housing for America's catastrophically injured veterans and first responders, Gold Star, and families of fallen first responders.
One of those families is the reason the Tunnel to Towers Foundation was founded. Firefighter Stephen Siller, who was assigned to Brooklyn Squad 1, had just finished his shift when he learned from his scanner of a plane crashing into the North Tower of the World Trade Center. He drove his truck to the entrance to the Brooklyn Battery Tunnel, but it had already been closed for security reasons. Determined to do his duty, he tied up 60 lbs. of equipment on his back, and ran on foot through the tunnel to the Twin Towers, where he gave up his life while saving others. Siller had everything to live for; a great wife, five wonderful children, a dedicated extended family and friends.
To date, the Foundation has provided more than 1,000 mortgage-free homes for these American heroes and the families they leave behind. More than 500,000 participants have supported the organization's more than 80 national walking, running and climbing fundraising campaigns.
"We are very appreciative of the effort put in by our neighbor to the north – PACT," said Cahill Zoeller, T2T Senior Development Manager. "In an incredibly real way, every dollar donated helps ease a huge financial burden on our many beneficiary families."
In addition to a crowd of PACT employees, the check donation ceremony was attended by four members of the Watertown Police Department, including its K-9 unit.
"We have strong ties to the military, both professionally and personally, and it is our privilege to give back to the heroes and their families who have given so much to our country," concludes Mort. "We look forward to orchestrating another successful fundraiser for the Tunnel to Towers Foundation next year!"
PACT adheres to an efficient and green manufacturing process by specializing in low inventory volumes based on market demand and fast turnaround times with its green ready-to-use and custom packaging solutions. To view a demonstration of the ease of assembling a PACT LiftVan shipping container, visit: https://www.pactww.com/products/custom-crates/.
PACT, LLC is a world leader in the manufacture of sustainable packaging products for the commercial, industrial and military industries. With over 25 years of experience, the family-owned business was founded by three green packaging professionals and continues to embrace a green future by designing cost-effective, proprietary packaging solutions like LiftVans and PleatWrap, as well as custom packaging for the aerospace, medical, electronics, and electronics industries. , tooling, machinery, furniture, fine arts and automotive. The company's latest innovation is PACT ThermoShield, a sustainable paper-based packaging material that suppresses and controls lithium-ion battery fires by mitigating thermal runaway.
About the Tunnel to Towers Foundation
Born out of the tragedy of 9/11, the Tunnel to Towers Foundation carries out its mission of "doing good" by providing mortgage-free housing to Gold Star families and fallen first responders with young children and building specially adapted smart homes for veterans with catastrophic injuries and first responders. Tunnel to Towers is also committed to ending veteran homelessness and helping America never forget September 11, 2001. Visit T2T.org for more information and follow Tunnel to Towers on Facebook, Twitter and Instagram .


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Ayemere Joshua popularly goes by his stage name Jossy Joe, known for his unique afrobeat production and his famous songs like "Travel" and "Akahida", born on the 04/04/ 1995 in Edo state Nigeria. Jossy Joe recently published a music art cover titled "Cocola Bigger boy" featuring Nigerian Barrister, entertainer and a music critic Don Esq, our collaborators decided to have a chat with the hit maker.
Stream live Interview on Obaland Magazine Radio
We all know you as Jossy Joe the baddest producer, any new song dropping soon from you?
Yes, i will be dropping a commercial for Coca cola plc by April if the trending coronavirus dies a natural death. I was opportuned to feature Don Esq on the track, but Coca cola Plc is yet to finalise the visual before procedures for the official release date will be unveiled.
We saw the art cover of the song and felt you were diabetic or sort of ills Coca cola had caused you?
No, of course i'm a Coca Cola consumer than anyone on earth, i do suggest my fans to drink Coca Cola, i don't smoke or drink alcohol. hahaaaa, Coca cola is good.
Tell us the inspiration behind your famous club songs Travel and Akaida, was there any voodoo attached?
Hahahaaaa, Voodoo? nothing of that satanic blessings. I was just lucky to hit the crowd with those tunes, because none of the big songs in Diaspora then could top it, Oluwa was my inspiration, i also give thanks to all my fans who made it possible alongside Dj's and Club owners who hosted my live concerts that made those songs went viral and still trending.
We wish you a healthy stay Mr Jossy, anything to add?
I wish you all a happy quarantine stay and a healthy return to liberty my people, God bless.


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With this school year being different than most, we can imagine how uncertain and nervous you are to embark on this new journey. Nursing student stress is extremely prevalent, and you are not alone if you are experiencing uncomfortable feelings for this upcoming year. Lucky for you, here are some of our favorite stress relief tips and techniques!
Nursing Student Tip 1: Exercise and Meditate Regularly
Exercising has been found to improve brain performance, help with memory retention, and overall can make you feel happier. When you are feeling overwhelmed, it's okay to pause Picmonic, drop the textbooks, and get out! In addition to your favorite exercise activities, if you are a yoga fan, you will love our new Student Wellness: Yoga series brought to you by Nurse Marlee Liberman!
Going along with yoga, is meditation! Mediation is an extremely helpful stress reliever as well. After checking out Marlee's yoga video, take 5 minutes to yourself to meditate and re-focus your concentration.
Nursing Student Tip 2: Organization
Another stress-relieving tip is to get organized and hone in on your awesome planning skills. Organizing offers a better sense of control and can help to reduce school stress levels as well as feeling overwhelmed. If you need a place to start, we recommend investing in a nice planner. It is extremely helpful to read your class syllabi and plan everything you can for the semester!
Nursing students and stress often go hand-in-hand, but identifying your specific learning style and incorporating it into your studies can be a monumental stress-relieving technique. Knowing your learning style increases your confidence and concentration, as well as your motivation to learn.
As an audio-visual learning platform for healthcare students and professionals, Picmonic offers audio-visual learners a chance to learn and review, smarter and faster! If you don't know your learning style yet, there are many resources available online which can help point you in the right direction.
Nursing Student Tip 3: Study Groups
Meeting other students who are in the same area of study can also greatly improve your nursing school experience, and make for a less stressful environment! Forming study groups with other nursing students reaps a plethora of benefits. Study groups can eliminate procrastination, help you learn quicker, and will fill in the coursework gaps through collaborating with your classmates.
Everyone needs to vent at times too. Having a supportive group where you can express your concerns and stress is relieving too! Whether you are working on a homework assignment or preparing for a huge exam, take advantage of the power of study groups.
Tip 4: Sleep
A good night's rest is crucial for your mind and body. When you are well-rested, you are more likely to concentrate easier and your mood may be more positive overall. It is extremely important, especially in nursing school, to develop a regular sleep routine. Doctors recommend getting at least 7 hours of sleep, which is not always possible for the busy nursing student. However, not getting enough sleep can lead to an increased risk of illness, stress, decreased academic performance, etc., so it is important to try to develop a sleeping routine that works best for you.
Tip 5: Music
Music is also another powerful stress-relieving tool that you should definitely take advantage of. Music has been found to have calming effects on your mind. For example, if you are preparing for a big exam, try playing some quiet classical music. This can help slow your heart rate and reduce emotional distress. You can listen to music when you are getting ready for class or walking to your next lecture. Whenever you have the time to squeeze music into your routine, definitely take advantage of the benefits that a peaceful melody has to offer.
Tip 6: Socialize
With the world being uncertain for everyone right now, it is important to still remain in contact with your best friends and loved ones. There are many options for safe and socially distanced socializing activities to still uphold relationships! Some ideas include: Zoom parties, a socially distanced walk or hike (don't forget your mask), virtual games, or even a cooking competition! As the world starts to re-open, it is extremely important to stay safe and do what you can to help protect others and yourself. If you need more social distancing and mental health tips, check out this blog.
Tip 7: Journal
If you ever need to vent, journaling is a great option to cope with any stressful situation that life throws at you. Studies show journaling has therapeutic benefits on the mind and body. When journaling, it is extremely beneficial to write down your thoughts and feelings as a way to vent and express anything going on in your life. Take as much time as your schedule allows, and you'll be amazed at how taking a few minutes to journal really benefits your mental health.
Tip 8: Talk to Someone
If you're feeling more down or stressed than usual, it's also important to find someone who you can confide in! Whether that's a friend, family member, mental health professional, or even the Picmonic team, just know there is always someone here for you! Don't ever hesitate to ever reach out or ask for resources. You might be surprised at how much others want to help you succeed.
This school year might be unlike any other, with new hurdles and the inevitable stress from pursuing your healthcare degree. We hope you're able to incorporate some of these helpful stress relief tips and prioritize your mental health as well as your grades. Cheers to staying sane this semester!
As a student yourself, we want your advice! What are your tips for reducing stress during the school year?
Journaling reference: https://psychcentral.com/blog/how-to-begin-journaling-for-stress-relief/
Sleep reference: https://www.mayoclinic.org/healthy-lifestyle/adult-health/expert-answers/how-many-hours-of-sleep-are-enough/faq-20057898
Exercising reference: https://www.healthline.com/nutrition/10-benefits-of-exercise
Learning Style reference: https://www.studyingstyle.com/learning-style-benefits/
Music reference: https://sixtyandme.com/health-benefits-music-listening/


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Create a Website Account - Manage notification subscriptions, save form progress and more.
The Town of Westborough utilizes Total Administrative Services Corporation (TASC) as our Flexible Spending Plan Administrator. FSA accounts operate over a calendar year basis and are available for health and/or dependent care expenses. Enrollment for the next calendar year occurs each November. Employees are issued a debit card that is linked to their annual FSA election. For more information refer to the links on this page and contact Human Resouces.
Enrollment Information: Open enrollment for a Flexible Spending Account for the calendar year 2023 will be in November.
Please remember FSA accounts do not roll over or auto-renew. You must re-enroll for the coming year:


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AI in the Practical World
A few days ago, we hosted a webinar on the topic of Generative AI, Hype or Practical? We were joined by two of our senior
A few days ago, we hosted a webinar on the topic of Generative AI, Hype or Practical? We were joined by two of our senior
Artificial intelligence (AI) is designed to automate manual tasks and processes. As the leader in computer vision solutions for the service industry, we at TechSee
With new AI capabilities and compelling use cases being demonstrated daily, the service industry looks forward to a new generation of AI providers that answer
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The following story was originally published in The Writer's Grapevine Fabulous February Edition.
To subscribe to The Writer's Grapevine keep reading after the end of the story.
A Draining Adventure
by Jo Elizabeth Pinto
The adventure began innocently enough. I decided to pour myself some Coke. When I reached into the cabinet above the dishwasher for a cup, my hand encountered only an empty shelf.
That led me on a search-and-seizure mission into the bedroom of my nearly thirteen-year-old daughter, which is one of those rare corners of the world where even angels fear to go. The floor, the bed, and every other surface in her room is mounded as deep as gravity will allow in an odd jumble of clutter in which childhood and adolescence collide.
My daughter had invited a couple of neighborhood friends to a sleepover at our house the weekend before, so I figured, correctly, that my missing cups had disappeared into her bedroom along with a pile of soda cans, never to re-emerge till I rescued them from among the heaps of clothes, stuffed animals, and random flotsam and jetsam among which they were scattered. I eventually surfaced in triumph, a tall stack of cups in hand, and marched victoriously toward the kitchen sink.
Which is when the plot thickened.
Some of the cups still had liquid in them. I dropped them all in the sink without checking them individually. And then I heard a sound that made my heart plummet into my Reeboks® so fast I felt as if I were on an amusement park ride, because it wasn't the sound of cups crashing into the sink. It was a much lighter, cascading noise.
One of the cups had been full of pony beads instead of soda. For those of you not blessed to live with little girls, pony beads are round, colorful, plastic beads, a little smaller than green peas, with holes that go straight through their centers. Girls love to string them on various types of cord or fishing line to make necklaces and friendship bracelets. At the moment, I had hundreds of them at the bottom of my kitchen sink, rapidly flowing down into my garbage disposal.
I scooped most of the beads quickly out of the disposal with my hands and dumped them back into the plastic cup. Then I spent eons working the last half a dozen or so out of the slits around the outside edges of the disposal with my fingers and the tip of a butter knife. I luckily have small hands. I jiggled the disposal till I found a slot where a bead was trapped, then worried it free, grasped it, and hauled it up and dropped it in the cup. Each time I moved the disposal, it turned further and further, and I thought I'd finished, but always it would be stopped by another bead.
Finally, I'd pried all the beads out of the garbage disposal. I ran water through and fired it up, and there were no crunching sounds. Thank God for small miracles!
But the beads had gotten gnarly and greasy in their trip down the sink. So I dumped them into the little basket I usually steam vegetables in. I wasn't about to wash them under the kitchen faucet and risk another skirmish with the garbage disposal. Off to the bathroom we went.
Complimenting myself on my attention to detail, I plugged the drain in the bathroom sink, just in case. Then I added a drop of soap to the beads in the steamer basket and turned on the water to wash them.
Unfortunately, in my quest to get the temperature right so I could swish the beads around with the soap in the steamer basket–the bathroom faucet at my house can be temperamental–I overfilled the sink. In my haste to prevent the need to call on Noah for his ark-building skills, I slammed down the lever that unplugged the drain without thinking. Before I even had time to take in the gravity of my mistake, the bathroom drain had filled up with–you guessed it! Pony beads. Only the Good Lord and my little dog Mindi will ever know what words escaped between my lips at that moment. The rest of you will have to use your imaginations.
I thought about plunking myself down on the bath mat and crying my eyes out. I thought about calling a plumber on the spot. I thought about running away from home, to tell the truth. But I'd gotten myself into the mess, by God, and I'd get myself out. Part of the deal was pure stubbornness, and part of it was that I didn't want to meet my husband at the door when he got home with, "Guess what, honey?"
Thus the second "Battle of the Drain" began.
I straightened out a large paper clip, leaving a small hook on one end. Between that and the nail cleaning tool from a pocket kit I had, I started digging pony beads out of the bathroom drain one by one. It took me a little over two hours, but I got them all, except the last sorry sucker that eluded me for more than forty minutes. It's still down there. I finally decided that one lousy bead wasn't worth the price of my sanity. Who says we have to be perfect, right?
I washed the beads and the fairy cup from my daughter's sixth birthday that held them and put them back in her room. The rest of the cups went into the dishwasher. And now that I think of it, I never did get the Coke I went after in the first place.
I love to hear about parenting adventures or other humorous happenings in the lives of my readers. If you'd like to contact me, my email is: email@example.com
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I took the 9.30 train from Aberystwyth en route for Sheffield. Having found a table and seat next to a mains socket that worked (there are number on Arriva Trains Wales that don't; they are placebos), I prepared myself to transform my rather thin and staccato notes for the next Art/Sound lecture into coherent and cohesive thought:
I've never understood why one feels inordinately hungry so soon after breakfast and so soon before lunch when travelling. Does moving at speed accelerate the body clock or metabolism? Fellow travellers are apt to breakout their sandwiches and flasks anytime after 11.30 am or at Shrewsbury station … whichever comes first. A woman who was on her way to London sat down next to me. 'I have a reservation. Is this coach B?' she asked. 'The one I just came through was coach A'. Stirred from my work, I informed her: 'No. This is coach C'. Then the guard walked past. 'Is that coach' (she pointed) – the one before A, I mean — coach B?' 'That's coach D, madam', he replied. The challenge of finding one's seat on an Arriva train is only marginally less demanding than cracking the Enigma code.
I enjoy the automated announcements on trains and at stations: the way in which the speaker's inflexions and stresses land in all the wrong places. On the Shrewsbury to Manchester leg of my journey the list of principal stations includes 'Crewe', which is spoken in a tone of bemused surprise suggestive of the sentiment: 'Who'd want to go there?' (But this example is preferable to the rather testy, harrying, and barely audible voice that summons (orders) patients to their GPs' rooms at my local surgery.) At Birmingham New Street station, the announcements used to comprise place names and advice collaged from up to three distinct voices. They sounded like messages that the Beat poet Williams S Burroughs could have put together.
Stockport, and lunch (at the proper time):
A Premier Inn in Sheffield:
Premier Inn makes a virtue of predictability (Diary, August 14, 2014). Although I was taken aback by the ubiquitous canvas print that hung over the bed. I'd not seen the like of it at any other branch. It was brown rather than the usual shades of purple, pink, and tangerine. And, strangely, I didn't see it for the first four hours of my stay, even though it was reflected in the mirror over the desk where I worked for that duration. The art of concealment. Premier Inn seems to be a decent company to work for; the staff appear content and committed — as though they're valued by the management. And, they behave impeccably. It's a lesson that Universities UK could learn: If they want to adopt the commercial-business paradigm (shame on them), then the needs and aspirations of not only the 'clients' but also the employees must be catered for. Happy workers are hard workers.
I met my younger son off the early evening train from Manchester and escorted him to dinner.


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Meet at 106 W Pierce St. 10:00 AM- 4:00 PM for the Opening of the Seed Library.


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Some Friends
DateMar 25, 2023
Event Starts8:30 PM
Doors Open7:00 PM
On SaleOn Sale Now
AgeAll Ages
Event Detail
Some Friends
Some Friends is a reggae rock band from Des Moines, IA consisting of Geoffrey "Jr" Safford on
vox and guitar, Evan Cokeley on drums, Dave Montgomery on guitar, Arnie Dewitt on bass and
Kyle Gowin on Sax. Being heavily influenced by Sublime and Bradley Nowell, we strive to keep
his legacy alive in the songs we write and music we play. Being authentic to ourselves and our
fans is at the forefront of our musical journey, in the wise words of Ziggy Marley "You've got to
be true to yourself."
Established in 2015, we've had the opportunity to open for artists such as Shaggy, Afroman,
Matisyahu, Josh Heinrichs, Skillinjah, Jon Wayne and The Pain, Aaron Kamm, 77 Jefferson,
etc..... We've also sold out every venue in Des Moines, IA.
While this band formed in 2015, every musician in this band is a seasoned professional with at
least 20 years of experience per player. Music is in our blood.
We released a full album, No Coast, in 2019, with stand out single "Steeple", "Speed It Up" and
"Upside Down". Followed by the release of "Bird Reynold" featuring "We Own The Night" and
"The Bird" which combined has had over 30,000 plays on Spotify. Most recently we recorded
with Miles Brown (77 Jefferson, Jah Roots, Josh Heinrichs) and look forward to this being our
most accomplished recording to date.
Come out and hang out with Some Friends at their next show!
Mar 2024
View this profile on InstagramFirst Fleet Concerts (@firstfleetconcerts) • Instagram photos and videos


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Tony Sirico (Paulie Walnuts) Trigger Of Dying What Occurred To The Sopranos Star
We're immensely grieving to announce the devastated passing of standard American actor "Tony Sirico" who isn't any extra amongst his shut ones and admires, as his departure occurred on the age of 79 on eighth July 2022. Ever since, the piece of saddening information befell on social media uncounted reactions commenced going down, as everyone seems to be expressing their deep sorrow. As a result of nothing is extra painful than listening to passing information of our favourite one, in such a stunning method. Therefore, virtually everyone seems to be expressing their grief by means of social media, beneath you may get every thing you could know together with some untold info.
As per the unique stories or sources, the deceased was affected by extreme well being issues for a really lengthy on account of ill-health, which was turning him into a fantastic deterioration whereas damaging his inner-body elements. Due to this, the possibilities of her survival have been decreased to such an extent, however amidst all these, the medical crew was doing their greatest whereas blessing him with additional breaths. However sadly, his physique stopped working with the therapy, which turned the prime trigger behind her passing. However, nonetheless, the precise reason for her passing is remaining ascertained as his household didn't make something but.
Who Was Tony Sirico?
79-year-old, Tony Sirico was a well-liked American actor greatest recognized for his function as "Peter Paul" within the sequence "The Sopranos", apart from all these, he made his look in lots of overwhelming initiatives, due to this fact, his fan following was immense sufficient, and constantly enhancing until his final breath. He was born on twenty ninth July 1942 in New York Metropolis, United States and unluckily his passing befell on eighth July 2022 in Fort Lauderdale, Florida, United States. He persuaded his research in the identical place the place his delivery befell and on account of his ardour he determined to transform it right into a career because the consequence, he had change into the well-known one on the earth of the leisure trade.
As quickly because the information is getting circulated on social networking websites uncounted have began paying tribute to him, whereas providing deep condolence to his household in order that, their power may stay forward to bear the ache of shedding an integral a part of their household as nothing is worst than seeing a departure of our favourite one. Therefore, virtually everyone seems to be mourning of shedding him in such a way, however until now, no funeral updates got here out. So once we will get one thing wil replace you for certain (RIP Tony Sirico).
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Command™ Picture Hanging Medium Strips hold up to 5.4kg (frame size 45.7 x 60.9cm) - 6 sets of medium strips per pack. Command™ Picture Hanging Strips make decorating quick and easy. One click tells you Picture Hanging Strips are locked in and holding tight. Best of all, when you are ready to take down or move your pictures, they come off cleanly - no nail holes, cracked plaster or sticky residue. Pack contains 6 sets


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PGA Tour Affiliated Tour Canadian Results Week 19.02.18
- Details
- Category: Inside Golf
- Published: 2019-02-19
The PGA TOUR and its affiliated Tours boasts a large roster of players from Canada as members.
Here is the recap from this past week's action and their performances.
PGA Tour - Genesis Open
Riviera Country Club, Pacific Palisades, California Purse: $7,400,000 ($1,332,000 to winner)
Next Tournament: Puerto Rico Open (Coco Beach Golf & Country Club, Rio Grande, Puerto Rico, February 21-24)
Next Tournament: World Golf Championship-Mexico Championship (Club de Golf Championship, Mexico City, Mexico, February 21-24)
Corey Conners DNP -- 39
Graham DeLaet DNP -- --
Adam Hadwin 75 (+10) $14,060 -- 22
Carded his worst performance in nine starts and fell four spots in the FedExCup standings.
Blair Hamilton DNP -- --
David Hearn DNP -- 155
Mackenzie Hughes CUT (+2) -- 172
Ben Silverman DNP -- 180
Roger Sloan DNP -- 143
Adam Svensson DNP -- 135
Nick Taylor T33 (-3) $40,885 -- 118
In his seventh made cut in 10 starts, turned in his fifth top-40 showing. Jumped 15 spots on the FedExCup.
PGA Champions Tour - Chubb Classic
The Classics Country Club at Lely Resort, Naples, Florida Purse: $1,600,000 ($240,000 to winner)
Next Tournament: Cologuard Classic (Omni Tucson National (Catalina Course), Tucson, Arizona, March 1-3)
Players Result-Earnings-SchwabCupRanking-Notes
Stephen Ames T6 (-11) $17,425 -- 15
Turned in his best performance of the season, shooting a 63 in the first round. Improved two spots in the Schwab Cup Ranking.
Web.com Tour - LECOM Suncoast Classic
Lakewood National Golf Club, Lakewood Ranch, Florida Purse: $550,000 ($99,000 to the winner)
Next Tournament: El Bosque Mexico Championship by INNOVA (El Bosque Country Club, Leon, Guanajuato, Mexico, February 28-March 3)
Player Result-Earnings-Points-Ranking-Notes
Albin Choi CUT (+2) -- 40
Brad Fritsch CUT (-1) -- 78
Michael Gligic 65 $1,375 -- 2
Followed his previous week's win at the Panama Championship with his lowest finish of the season in an event where he made the cut. Maintained his second spot in the points ranking.
Seann Harlingten DNP -- --
Mike Weir T35 (-10) $2,619 -- 102
Despite starting the week with three under-par rounds, including a 66 on Thursday, finished out the week with this T35. Jumped 16 spots in the points ranking.
Ryan Yip CUT (-3) -- 31
PGA Tour Latinoamerica
No Tournament this Week
Next Tournament: Buenaventura Classic (Buenaventura Golf Club, Rio Hato, Panama, March 27-30)
Mackenzie Tour Canada
No Tournament this Week
Next Tournament: Qualifying Tournament-Central (TPC San Antonio, San Antonio, Texas, February 26-March 1)
PGA Tour China
No Tournament this Week
Next Tournament: First Global Qualifying Tournament (Foison Golf Club, Guangzhou, China, February 19-22)


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Adela Akers: Interlacings
Adela Akers: Interlacings
October 7, 2023 - December 30, 2023
Event Description:
Adela Akers' career in textile art spanned the entire history of modern fiber arts. Born in Spain in 1933, Akers was known for her innovative and daring geometric weavings. She was a professor for 23 years at the Tyler School of Art in Philadelphia and her work is included in collections at the Smithsonian and the Metropolitan Museum of Art. "Interlacings" is an exhibition of her final and earlier works that we were honored to plan with Akers before her recent passing. The opening reception on Oct 7 will be a chance to remember and honor Akers' impactful legacy as a renowned artist and pillar of the local art community.


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Quote: (10-31-2018 12:02 PM)Robert High Hawk Wrote:
Well at least now I don't feel so bad about wasting money on those lottery tickets last week.
It's the same psychological principle.
It adds a hint of possibility to human fantasies.
Otherwise you are just a loser dreaming about being rich with a hot girlfriend.
At least a lottery player could win, and these cam girl donaters have interacted with the girl of their dreams.
"The greatest burden a child must bear is the unlived life of its parents."
Carl Jung


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With our main offices in Hollywood, California, Unireach Media works heavily in the entertainment industry. Whether it involves translating and dubbing projects into new languages or creating a multi-national campaign for a company from the ground up, Unireach Media always takes a professional yet creative approach to its projects.
The founders of Unireach Media first met while collaborating on an innovative video game project. The project went so well that they quickly noticed how much the marriage of translation and media production industries could again change the game in the industry. Unireach Media has since grown to encompass a great number of highly talented and experienced professionals and continues to raise the standards in the industry.
With TV, Movies, and Trailers, we are able to take a finished product and expand its reach to new territories around the world simply by using our legal document certified translators, our access to the top actors and voice actors that Hollywood has to offer, and our award winning engineers to create seamless dubs of the highest quality.
Animation is near and dear to our hearts. Who doesn't love it? And since it's such a widely recognized and loved format all around the world, it is a huge industry for translation and dubbing. We always keep the integrity and intent of the original project in every way possible. Whether it's the style of humor, the character's specific voice nuances, or the pacing and unique editing, Unireach Media always delivers the absolute best quality with respect to each individual project.
Audio books are quickly becoming a large part of book publishing. With the ease of portable music devices, you can now listen to your favorite author's newest book while driving on a long trip or while relaxing in the sun. This has made audio books a huge undertaking by publishers over the past several years. Unireach Media is able to add a unique approach to this. We can cast and record narrators in any language for a book's initial release, as well as offer more services like multiple characters and audio production value. And since we are anchored in translation, we also can translate any novel or story into any amount of foreign languages for physical and audio release.
Motion comics are a new wave of media that is shaping into a substantial industry amongst comic enthusiasts and animation fans alike. Unireach Media is at the forefront of this industry and will continue to shape it in new and unique ways.
Click the links above to learn more!