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Hey! Who're you and what enterprise did you begin?
My identify is David Bressler and I'm the founding father of Excelformulabot.com, which interprets textual content directions into Excel formulation inside seconds with the assistance of AI. The web site, in addition to the Excel & Google Sheets add-ons, tailors in the direction of a variety of customers of occupations starting from finance to accounting to advertising and marketing. There are one billion Excel customers on this planet, so it's a reasonably broad viewers!
Whereas the web site is free to make use of, customers are restricted to 5 components requests monthly. That's sufficient for 97% of the customers, however the remaining 3% are heavy Excel customers that obtained limitless components requests, which prices $6.99/month. Since launching in September 2022, Excelformulabot.com month-to-month recurring income has exceeded $14K.
What's your backstory and the way did you provide you with the thought?
In Could 2022, my spouse and I had our second little one – William. Paternity depart commenced! Whereas on paternity depart away from my function as a Director of Analytics, I began dabbling in AI as I had been seeing it rising in reputation. Little did I do know that the recognition of AI would develop exponentially to what it's right this moment, pushed by the recognition of ChatGPT.
My journey began once I requested the AI platform, OpenAI, a really primary Excel query – "What's the Excel components to calculate the sum of column A." In seconds, the components accurately populated! I then began asking extra difficult requests. Because the questions received harder, on the whole, I discovered that 'out of the field' accuracy was ~85%. Normally, 85% is "adequate," however not on the subject of knowledge/analytics. This was my alternative. Given my background in analytics and Excel particularly, I knew I'd be capable to work on the mannequin's output to construct a extremely correct AI mannequin. Later that day, I Googled to see if there was an AI-based Excel components generator and happily, didn't discover something! At that second, I knew I had one thing particular!
With the AI business rising quickly, I knew I needed to construct rapidly. There was no validation course of to see if there can be a product market match. I've been working in advertising and marketing analytics for 12+ years and use Excel day by day. Everybody from knowledge analysts to knowledge scientists to CFOs and CEOs makes use of Excel. There are 1 billion folks that use Excel, so I knew there can be a large enough marketplace for it. At worst, I'd construct a product for myself and work approach sooner and smarter than anybody else in spreadsheets!
Take us by means of the method of constructing the primary model of your product.
I knew I wasn't the one particular person on this planet that might come to the belief that there was a necessity for an AI utility that supplied Excel formulation. I knew I needed to construct rapidly, as I'm a agency believer within the first mover's benefit – particularly within the AI house.
I discussed I'm a knowledge man, so I had/have minimal expertise constructing a web site, not to mention an internet utility that has AI capabilities. I needed to be first, so I constructed a barebone utility that didn't have a paywall, login, or a lot of something. It was an enter subject the place customers would sort their directions, a button to generate the components, an output subject that might populate the components, and a button to repeat the components.
I shared the web site within the Excel subreddit, the place customers supplied an amazing quantity of suggestions and suggestions on the product, which was later used to develop the positioning because it stands right this moment.
The publish rapidly went viral on the Excel subreddit, then was later shared in a couple of different Reddit communities (the one which gained essentially the most traction was the publish on InternetIsBeautiful), which acted because the catalyst of the social virality the positioning has garnered since improvement – going viral on TikTok, Instagram, Twitter, and Reddit.
Going viral was nice, however what wasn't nice was the AI API prices that got here with it. I discussed that I didn't have a paywall or perhaps a login. I received hit with a hefty invoice from OpenAI, so I knew I wanted to hunker down and construct an actual web site so I wouldn't be tens of 1000's of {dollars} within the gap.
The location obtained a sale inside the first 5 minutes of launch. I get the chills simply fascinated with it as a result of it was such an unimaginable feeling realizing that every one of that arduous work wasn't for nothing.
I knew it might take a number of months to begin being profitable on the positioning, so I arrange a donation web page to permit customers to "tip" me for creating the service. I obtained a few thousand {dollars} in ideas from a few hundred customers, which was completely wonderful!
Describe the method of launching the enterprise.
It took a number of months of being heads right down to develop from the fundamental MVP to a totally fledged subscription-based web site that now has a paywall and log in!
The day the brand new website launched with login and checkout for customers to obtain limitless components requests, I believed – "Will individuals truly purchase this?"
The location obtained a sale inside the first 5 minutes of launch. I get the chills simply fascinated with it as a result of it was such an unimaginable feeling realizing that every one of that arduous work wasn't for nothing.
I discussed I'm not an internet developer. The location was in-built a no-code net utility referred to as Bubble.io. There may be not one line of code that I wrote on your entire web site. With that, I didn't should outsource the event of the web site. In consequence, I used to be solely paying for the API requests, hosting, and Bubble.io.
In the event you're not conversant in Bubble.io, I extremely advocate checking it out. It's an internet utility that permits non-technical of us like myself to construct net purposes. I used to be first launched to Bubble in July 2022, the place I used to be in a position to spin up the rough-looking, single-page MVP in simply a few weeks.
No-code net purposes like Bubble.io have been overshadowed by the AI increase. I'm at all times stunned that extra individuals don't learn about it. The software makes it extremely straightforward to construct your individual SaaS and at any time when I'd get caught, I'd discover the decision on the energetic boards or by way of YouTube tutorial.
Managing prices was and nonetheless is, extra vital to me in comparison with different entrepreneurs constructing startups. I didn't obtain any funding. No masses. I've been bootstrapping your entire enterprise, dipping into my accounts till the positioning turned worthwhile. As a result of I didn't have another backing, I grew my startup whereas sustaining my full-time job to proceed to assist my spouse and two children, particularly since my spouse is staying house for the primary 12 months of our toddler's life.
Throughout the first week, I launched the positioning on ProductHunt.com, a well-liked web site to bolster the notice of your official product launch. With a heavy low cost to have a good time the launch, the positioning generated a number of thousand {dollars} in the course of the week of the launch. This was the reaffirmation I wanted to maintain going…
Since launch, what has labored to draw and retain prospects?
After seven months, the web site has eclipsed $14K in month-to-month recurring income and has elevated in income every month, reaching $22K final month.
Up to now, I've spent solely $5K on advertising and marketing, which sounds loopy contemplating I've had thousands and thousands of individuals go to the web site. However, it's true. Having a product individuals wish to share is a giant a part of how I've been in a position to entice prospects, however a fair greater half – is influencer advertising and marketing.
As a knowledge man who has at all times been a efficiency marketer and result-driven, I at all times shied away from influencer advertising and marketing as a result of it's troublesome to measure and quantify its influence. A lot of the early traction got here from TikTok influencers speaking in regards to the website as a "web site that feels unlawful to know". I discovered that influencers are 'monkey see, monkey do'. If a widely known influencer with giant following talks about one thing, there's a swarm of micro-influencers that may speak about the identical factor a day later.
I examined out a number of influencer marketplaces however didn't have any success since they largely give attention to retail. In the event you're in search of an concept, construct an influencer market for SaaS. It doesn't exist!
My technique has been to instantly attain out to influencers the place my product would resonate properly with their viewers. Typically, they're open to selling it free of charge and generally it comes at a value (sometimes starting from $200 – $3K).
I exploit TikTok's Creator Market to establish potential influencers. {The marketplace} is free and permits me to filter for key phrases/viewers affinities, followers, and engagement. One factor I've discovered is that comply with rely does NOT equate to engagement. I particularly search for influencers whose viewers is within the US, UK, or Canada, that are the highest 3 origin markets of paying prospects. Moreover, I attempt to unfold out the viewers demographics throughout influencers, ie: accounting, finance, knowledge/analytics, and so on.
Influencers simply give attention to video platforms like TikTok and Instagram. I needed to make sure I used to be diversifying my social attain, so my technique on Twitter was to have interaction in conversations with individuals speaking about Excel. Moreover, I arrange alerts to be notified when Excel influencers like 'Excel Dictionary' or the official Microsoft Excel accounts tweeted. I made certain I used to be at all times the primary to remark, so different customers would see my publish and hyperlink to the web site.
As a result of I roughly had different individuals selling the positioning for me, I used to be in a position to give attention to retention. I constructed out buyer journeys by way of web site promotions and automatic emails with a number of touchpoints to ship customized messaging. Messaging varies based mostly on the varieties of questions customers ask within the generator, what number of days out since they created their account, their degree of engagement, if they're paid or free customers in the event that they registered with a enterprise electronic mail versus a private electronic mail, in addition to a number of different elements.
E mail remarketing will get an honest quantity of visitors, however a lot of the visitors is pushed by phrase of mouth by means of colleagues, buddies, and social media influencers. Natural search (largely made up of individuals Googling "excel components bot") and direct visitors make up the overwhelming majority of website visitors, which speaks to the worth of getting a robust model and a model identify that's straightforward to recollect.
website positioning has been a brand new focus, as I've been constructing out content material pages round individuals looking for particular formulation like "VLOOKUP" and "SUMIFS". I'm hopeful that the positioning will rank properly organically for a majority of these searches, as the positioning has garnered many high-quality backlinks from websites like pcworld.com, inc.com, wellandgood.com, and BGR.com.
Whereas I by no means did any hands-on website positioning at my full-time job, website positioning has at all times been on my crew, so I'm very conversant in the optimization levers. There are a whole lot of levers on the market, however early on, my focus was easy – incorporating standard search phrases within the website positioning tags and duplicate all through the positioning, whereas the referral hyperlinks stored coming in (not needing a link-building technique).
One thing attention-grabbing occurred from an website positioning perspective. As a result of I used to be the primary AI Excel website and the model identify can also be the class ("Excel components bot"), utilizing Google Search Console, I began seeing a whole lot of searches for basic searches like "Excel AI generator" and "excel components creator". These searches didn't exist earlier than my website, so I knew they have been in search of my website – however didn't know the precise identify! These key phrases, together with many different basic searches, at the moment are included within the website positioning title and meta descriptions, along with different sections of the positioning!
How are you doing right this moment and what does the longer term seem like?
After a number of months, the web site has eclipsed $14K in month-to-month recurring income and has elevated in income every month, reaching $23K final month. Regardless of beginning properly within the gap, the positioning is now worthwhile and continues to develop. The gross revenue has elevated every month with elevated subscribers, optimized prices, and diversified income streams by partnering with complementary associates – Excel programs web site and Excel templates web site.
As a result of website positioning will not be a channel that has in a single day success, I began investing in PPC for individuals looking for Excel formulation or Excel programs. With a $10 price per lead, I'm not breaking even when accounting for the lifetime worth and lead-to-subscribe charge, however I proceed to take a position. Why? As a result of 1+1=3. When somebody learns in regards to the website, they inform another person. And that particular person tells another person. So, that $10 price per lead not directly turns right into a $3 price per lead.
Within the coming months, I'll be releasing further mills and specializing in B2B outreach. The web site skews younger, because of the nature of social media, the place most customers hear about it. In consequence, I plan to faucet into an older viewers – specializing in enterprise decision-makers, to drive extra crew subscriptions, which solely make up 2% of the subscriber base.
In the intervening time, I plan to proceed to be a solo founder however could look to rent somebody ultimately when/if I begin to wrestle with bandwidth, particularly somebody that might complement my expertise (ie: somebody to assist drive B2B gross sales).
By beginning the enterprise, have you ever discovered something significantly useful or advantageous?
It's OK to be a copycat on the subject of net design. Don't begin from scratch. Constructing a SaaS? Go to a handful of profitable SaaS web sites to get inspiration on how they designed their website. They've in all probability executed a whole lot of UX testing to get it to the place it stands right this moment, so you'll be able to capitalize on that and take learnings from a couple of totally different web sites to construct one thing particular for yours.
It is a big hack, however was a giant purpose for my website's success: over time, regularly increase the "barrier to utilization" of your product. What does that imply? Once I constructed the web site, it was obtainable free of charge with limitless utilization and no login required. Then, I required a login. Then, I capped the utilization. Then, I constructed the subscription website because it stands right this moment. I gave individuals a style of what it felt prefer to have limitless components requests and once I put up a paywall, they rapidly bought subscriptions as a result of that they had develop into so reliant on it. You possibly can take a look at this out with a free trial interval.
I'm a agency believer in giving customers the flexibility to completely expertise all the pieces your product has to supply, versus the freemium mannequin that limits sure options. How will your customers ever know in the event that they want these options with out letting them strive them first?
What platform/instruments do you employ for your corporation?
Internet utility: Bubble.io
Fee processor: Stripe
Language translation: LocalizeJS
E mail administration: Sendinblue
AI: OpenAI
Video editor: Display screen Studio
YouTube, to learn to use all of the instruments above
What have been essentially the most influential books, podcasts, or different sources?
I'm an enormous Scott Galloway fan. I take heed to a few his podcasts weekly – Prof G Present and Pivot with Kara Swisher. Surprisingly, he's extremely relatable contemplating how profitable his profession has been. His enthusiasm for tech, innovation, and economics is unparalleled. He's somebody I look as much as – a proud father, who has constructed wildly profitable companies and now educates and shapes younger minds to construct a greater future. You possibly can't beat that.
Recommendation for different entrepreneurs who wish to get began or are simply beginning out?
Constructing web sites right this moment isn't what it was. You used to should know HTML, CSS, and design. Not anymore. There are instruments like Bubble.io and Webflow for anybody that has an concept however doesn't know learn how to code. As I discussed, I constructed my web site with no single line of code. These purposes have been round now for years, so there are way more documentation and video tutorials available for individuals simply getting began.
One other phrase of recommendation – don't get hung up on trackability on the subject of media measurement. After all, measure the place you'll be able to (Meta & Google Advertisements), however don't fully write off ways simply because they're exhausting to measure. I can't let you know which influencer drove essentially the most signups to my website, however I can let you know that influencer advertising and marketing works.
The place can we go to study extra?
David Bressler,
Founding father of Excelformulabot
Wish to discover extra concepts that earn a living?
Hey! 👋 I am Pat Partitions, the founding father of Starter Story.
Get our 5-minute electronic mail publication filled with enterprise concepts and money-making alternatives, backed by real-life case research.


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It is very tough traveling with a baby because the baby products are too many and bulky. Thank God, strollers are now foldable. When your baby is an infant, it is not likely that you will be travelling in a stroller. Let's say you want to go to the park and enjoy the day from being holed up in your house. Your arms are tired after holding up your young one. You need a safe place to set him/her down to sleep and that's where portable co sleepers come in or I should say co sleeper strollers.
Co sleepers are often portable and light. You can transfer them from room to room, so that you will always have an eye on your child as opposed to having a large crib. Its size and weight makes it easy to haul it anywhere you go. There are some that are even able to fold, making it even easier to travel with you.
There is a variety to choose from and the prices range based on features. If it has more features, the pricing will be higher. Traveling co sleepers are good for on the go as they allow you to stay outdoors and you can fit them easily in your home.
Another factor to consider is the wheels. Being portable does not only mean that you can take with you wherever you go. It's important if it has wheels because it is easier to move around the house. You can roll your baby to sleep and basically roll him/her into the kitchen and different parts of the house as opposed to constantly picking up all the time like a monkey.
An important factor is that your baby will feel secure being near you. These little cute co sleepers are not all made the same. Some are cheap, fair and really expensive. It's your job as a parent to do a research and find the top co sleepers, so that you can choose the best one for your infant. No one else but you know what's best for your child. One of the tops co sleepers we have found is DockATot.
Some come assembled and some you have to assemble yourself. If you put it together yourself, make sure it is sturdy enough. Another type of portable co sleeper is the stroller-co sleeper. This equipment can greatly help you out. The great thing about stroller-co sleeper is that you don't have to be cooped up in the house. You can take your baby for walks and enjoy the day. Since it is a stroller-co sleeper, your young one will be comfortable and most likely asleep.

subset: commoncrawl


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Egypt's allies pledge billions in financial aid
SHARM EL-SHEIKH, Egypt - Egypt raked in promises of more than $12 billion in investment and aid from its Gulf Arab allies Friday, kicking off an international conference aimed at rescuing the country's gutted economy and giving a political boost to its president.
SHARM EL-SHEIKH, Egypt - Egypt raked in promises of more than $12 billion in investment and aid from its Gulf Arab allies Friday, kicking off an international conference aimed at rescuing the country's gutted economy and giving a political boost to its president.
The three-day gathering in the Sinai resort of Sharm el-Sheikh is meant to show the world Egypt is open for business again to draw investors after four years of instability and turmoil following the 2011 Arab Spring uprising that ousted longtime autocrat Hosni Mubarak.
President Abdel-Fattah el-Sissi made his case for the world's support, depicting Egypt as vital to regional stability and a bulwark against Islamic militancy.
"Egypt has and will always be the first line of defense against the dangers faced by the region," Sissi, wearing a dark suit and a purple tie, said to one of many rounds of applause that interrupted his 26-minute address. About 1,500 delegates from more than 50 nations were in attendance.
The gathering of royals, heads of state, top international officials, and businessmen was also an opportunity for Sissi to put behind him criticism over the military's 2013 ouster of Egypt's elected president, Islamist Mohammed Morsi.
Since the ouster - which was led by Sissi, then head of the military - the government has cracked down hard on Morsi's Muslim Brotherhood and other Islamists, with hundreds killed and thousands imprisoned. It has also targeted secular and liberal activists. At the same time, Egyptian security forces have been battling a growing Islamic militant insurgency, mainly centered in the northern part of the Sinai Peninsula.
Secretary of State John Kerry, addressing the conference, made a strong show of support for Egypt, with only a glancing reference to rights concerns and a call for more transparency.
"This part of the world is blessed with a stunning amount of commercial potential," Kerry said at an American Chamber of Commerce event before the conference opened.
The United States, however, still cannot restore hundreds of millions of dollars in suspended military aid to Egypt, as Sissi has sought, because the Obama administration is undecided about whether to affirm Egypt's progress on democracy and human rights or issue a national security waiver. It must do one or other under the 2015 federal budget to unblock the aid.
Sissi outlined his economic recovery plan, saying he wanted to see at least 6 percent annual GDP growth within the next five years, up from around 2 percent currently, and reduce unemployment from its current 13 percent to about 10 percent.
The conference opening saw a swift series of pledges from Saudi Arabia, Kuwait, and the United Arab Emirates, continuing a flood of about $30 billion in largesse they have provided since Sissi led the ouster of Morsi, keeping the economy afloat.


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Just a crazy thought here… please bear with me @core-devs
What if we fingerprint predicate to uint64 as well? There are a lot of super long predicates and a lot of key space seems wasted, unless rocksdb does some compression based on prefixes, which is not unlikely.
Imagine 21m edges stored in the worst possible way:
pred, sub, obj
and each is 8 bytes. (Assumption: Values don't take too much more than 8 bytes…) This takes only
21e6 * 8 * 3 / (1024 * 1024)
This is only about 480M… A lot of them are going to have the same pred, sub
, so it is probably going to be even smaller, say 240M.
Say we do convert predicates to fingerprints. Still, this test case seems too small as it can fit in memory in theory. Maybe we can focus on an in-memory solution and reach even crazier speed. I got a feeling that if everything is in memory, the loading is going to take <1 minute.
Add: By the way, I tried increasing the RAM limit to 32G and loader didn't speed up by much. I got a feeling that our solution probably uses only a bit more than 4G. That said, 4G sounds a lot given that the data is probably representable in 240M…
I took all your suggestions (@ashwin95r, @mrjn). I concat names and rdf-films (call this combo dataset), then replace predicates with much shorter strings (call this comboless dataset), and re-run assigner and loader. Assigner took the same time on both datasets. For loader, it took almost 8 mins for comboless and 11min+ for combo.
Side observation: I set the mem limit to 4G, but I have observed that mem usage goes up to 11G. Not sure why.
I encourage you all to try out loader and see if you observe any speedup. Here is the script to generate combo and comboless.
gunzip -kf names.gz
gunzip -kf rdf-films.gz
cat names rdf-films > combo
wc -l combo
python process.py combo comboless
wc -l comboless
gzip -kf combo
gzip -kf comboless
Here is the python script process.py
: (which shortens predicates and runs pretty fast)
import sys
assert len(sys.argv) == 3
input_file, output_file = sys.argv[1:3]
count = 0
pred = {}
with open(output_file, 'w') as fout:
with open(input_file) as fin:
for s in fin:
count += 1
if (count % 1000000) == 0:
print 'Lines processed %d' % count
s = s.strip()
tok = s.split('\t')
tok = [x.strip() for x in tok]
assert len(tok) == 4
assert tok[-1] == '.'
if tok[1] in pred:
tok[1] = pred[tok[1]]
t = '<p%x>' % len(pred)
pred[tok[1]] = t
tok[1] = t
fout.write('\t'.join(tok) + '\n')
keys = sorted(pred.keys())
for i, k in enumerate(keys):
print '%d: %s: %s' % (i, k, pred[k])
If you want to run loader and assigner, I usually do the following:
rm -Rf m p u
FILE=comboless.gz # Or combo.gz.
time dgraphassigner -stw_ram_mb $RAM --numInstances 1 --instanceIdx 0 \
--rdfgzips $FILE --uids u
time dgraphloader -stw_ram_mb $RAM --numInstances 1 --instanceIdx 0 \
--rdfgzips $FILE --uids u --postings p


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Using the new refund UI results in refund recorded twice and contact owing money
CiviCRM 5.37.2, CiviCRM Stripe 6.6
Using the new refund UI for an event registration. I searched for the user, went to the events tab, found the event and clicked Edit. Then I scrolled down to Payments and clicked the little refund icon. Selected cancel participant on the popup dialog. (This isn't the refunded event, I'm just using it to show the icon I clicked on.)
Now what we see is the user owes money. Not only do they owe money, but it shows they paid a negative number, which is wrong. They paid $0, because they paid some amount and then we refunded that same amount.
Looking at payments for this event registration, I see the refund recorded twice. It looks like once with the original payment ID and once with a new refund ID.
This doesn't look right, especially the owing twice what they registered. Is there a way to prevent the user owing anything on a cancelled registration?


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Shopping for the right-sized tiles for your home renovation is never easy because they come in several types, such as ceramic, porcelain, and homogeneous. They also come in a wide range of colours, textures, shapes, and sizes.
Over the years, tile sizes have undergone significant changes. In the past, small 10x10cm and 20x20cm square tiles were in fashion and commonly used in homes. As time went on, larger tile sizes like 30x30cm, 30x60cm, and 60x60cm became popular. Today, tile sizes have grown dramatically to include sizes such as 60x120cm, 80x80cm, 90x90cm, and even 120x120cm. Tile manufacturers have also started making hexagon-shaped or octagon-shaped tiles. In this article, we will discuss the various sizes of homogeneous tiles.
Tile Sizes
There is a large variety of sizes available for homogeneous tiles in Singapore. From small square tiles of 10x10cm to large square tiles of 60x60cm, homogeneous tiles are also available in rectangular formats ranging from 30x60cm, 60x120cm, and more. Let us take a look at some of the sizes of the tiles below:
10x10cm Square Tiles
Commonly used in the 1990s, the 10x10cm square tile has come back in trend now, especially for retro themes. It is the smallest in size, offering crossover potentials on horizontal and vertical applications. 10x10cm tiles can add depth or contract a space, making the room feel more compact. They can also be freely combined with each other to create interesting patterns.
20x20cm Square Tiles
20x20cm square tiles were once common in the 1990s and 2000s, and have now become a common size for decorative tiles. Thanks to their ability to make a statement, 20x20cm square tiles are widely used on bathroom walls and floors. They also guarantee more traction and slip resistance with lesser grout lines.
Subway Tiles
Subway tiles are a classic tile commonly found in New York's underground train stations during the early 1900s. They have evolved from simple white tiles into tiles of different shades, sizes, and textures. Subway tiles originally came in 3x6 inch dimensions but have since grown to include 7x28cm, 7.5x22.5cm, 10x20cm, and 10x30cm sizes. They are versatile and can be laid in many different ways. Some variations are horizontal or vertical stack, staggered, diagonally, herringbone or chevron pattern.
30x30cm Square Tiles
One of the more common tile sizes used now is the 30x30cm square tile. Tiles of this size are mostly used on bathroom and kitchen floors. As this is a popular tile size, many different designs and options are available in the market.
Rectangular Tile 30x60cm
Horizon Cream 29.5x59.5cm, Matt, R9
The 30x60cm rectangular tile is an all-rounder. They are easy to handle, transport, and lay, making them ideal for installation on walls and floors. They can be used either alone or with 60x60cm tiles. Installing tiles of this size in a vertical stack laying pattern on your bathroom wall will draw the eye up and make your ceiling appear higher.
Odd Sizes
Tiles are not only available in the standard sizes above; they are also available in odd sizes and shapes such as 15x17.3cm, 20x23cm, 23.2x26.7cm, and more. In addition, combining tiles of different sizes can make interesting patterns on your floor.
60x60cm Square Tiles
Ermetica Grigio 60x60cm, Matt R9
The 60x60cm square tile is one of the biggest tiles available on the residential consumer market. They are commonly used as floor tiles as they have fewer grout lines, which enables better transition between the living room, bedroom, and kitchen.
Large Format Tiles (60x120cm, 80x80cm, 90x90cm, 120x120cm)
Large-format tiles are a great choice for those who value aesthetics and minimalism. They create a uniform surface, making your room brighter and more open. Large-format tiles can be used in both large and small interiors - they perfectly fit large interiors and are a great way to make smaller rooms look optically bigger.
With many different sizes of tiles available, you can create a personalized space with your preferred size. Here at Soon Bee Huat, we have the largest tile variety in Singapore with technology offering a unique design experience for everyone. As we pride ourselves as tile and stone specialists, you can trust us to complete the home of your dreams. Visit our showrooms or click here to explore our full range of porcelain tiles!


text:
Has a Death Occurred? We Are Available 24/7 (423) 390-8762 Live Chat
Call Us Live Chat
Church Hill – Mark Steven "Buster" Wallen, 62 of Church Hill, went to be with the Lord on Thursday, June 30, 2022 at Holston Valley Medical Center following an extended illness. He was a lifelong resident of Hawkins County.
He was preceded in death by his parents, Charles and Opal Gross Wallen; brother, Leonard Wallen; sister, Barbara Jean Birchfield.
Buster is survived by his nephews, Chris Bingham, Raymond Bingham, Rick Bingham and Shaun Bingham, as well as, several other nephews.
A graveside service will be conducted at 11 am Tuesday, July 5, 2022 at Larkins/Jones Cemetery, Bright Road, Church Hill, TN. Family and friends will serve as pallbearers. Those wishing to attend are asked to meet at the cemetery at 10:45 am.
Carter-Trent Funeral Home, Church Hill is serving the Wallen family.
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Strike Eagle
well it's a very complex matter, I'm 50/50 on the subjectit does seem the merger with County and City seem to be good to an extent, however I'm not familiarized with the whole St. Louis area stuff. are you for, against or just so so about it?
I support it the merge for the simple fact, it would eliminate the 2 jurisdictional systems (City & County policies) and merge the jurisdiction under 1 professional system. it would eliminate the multiple court system (city/county), executive/mayor system, the 2 court systems, and merge SLMPD into St. Louis County Police. it would undergo as "Metro Govt" meaning you would have a "Metro Mayor", a person that has control over both St. Louis City and St. Louis County, you would have the Metro legislature which would be easier to enforce ordinances, pass laws, and approve of a centralized budget. the city and county would appoint up to 33 council members so both sides have a fair voice, and that the 88 municipalities would become "municipal districts".
Missouri wanted a state vote on it, there was various opposition from both St. Louis City, a few County officials and a couple municipalities. the reason there was a big portion of opposition is because many Missourians who don't live near our area literally has no idea about St. Louis politics, most just come here for sports and that's it. the vote should of stayed within County-City voting region, since it will EFFECT US not the rest of Missouri in a major way.


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Natural Beauties of Smolenice Surroundings
Smolenice is the centre of the area under the Little Carpathians and a weekend relax destination for Trnava people as well as the inhabitants of Trnava surroundings. The surroundings of the village have a number of natural attractions and several marked hiking trails. The starting point of the trip around Smolenice is in the village centre. Take the second-class road from the Municipal Office southwards in the direction to Horné Orešany. Všivavec a protected area with rare plants and animals is on the left from the road. Before reaching Horné Orešany, turn right from the main road to Horné Orešany water reservoir and towards Majdan settlement. Turn left after getting at the road crossroads. Lošonský háj natural area lies on the left off the road with several rare and protected plant species. The most significant sight of Lošonec, a small village under the Little Carpathians, is the Roman Catholic Church of St. Anna. The tour continues from Lošonec north-eastwards back to Smolenice. At the beginning of the village, in the part of Smolenická Nová Ves, the route turns left to Jahodník recreational centre offering accommodation and board, swimming pool, campground and horse riding. The basis for the cottage settlement creation was the discovery of Driny Cave, the only cave in the Little Carpathians accessible for the public. It can be reached following the yellow trail from Jahodník. Use the same route to get back to the centre of Smolenice, from where another natural attraction can be visited. It is Hlboča Gorge, a canyon valley with the only waterfall in the Little Carpathians, which is 9 m high. The gorge can be reached from the village, taking the blue trail. Visits to Smolenice are most often connected with Smolenice Castle and a beautiful natural park surrounding it. However, admiring natural beauties of Smolenice would be incomplete without an ascent to Záruby (767 m), the highest mountain of the Little Carpathians. Its peak can be reached taking four alternative trails. The trip to the surroundings of Smolenice can also include a walk in Smolenice Carst Nature Trail, which enables us to become familiar with the most of natural wonders of this part of the Little Carpathians.


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What Is IT Engineering
IT Engineering is the practice of using Information Technology to improve operational efficiency and business results for businesses. IT Engineering can be applied in any industry, but typically increases productivity, improves customer service, and makes your company more profitable. This article shares how getting involved in IT Engineering can change your life. The reason for … Read more


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The first day of class is the excellent time to start out preparing activities and lessons. This is an excellent opportunity to receive students chatting, collaborating in groups, and writing reflections. It is also a great time to start with an activity where students can easily act as analysts. For example , if the student is taking a psychology course, they will brainstorm several myths about scholar behavior in dorms. This will help them be a little more knowledgeable and develop critical-thinking skills.
Students come to class for that variety of causes, although one of the most significant is the personal interconnection. Make an effort to get to know your students personally. Ask them to write a picture or fill in an index cards to share their very own stories. This will likely give you a perception of who they are and what they value in a person.
Weekly check-ins http://weeklylearner.com can also help instructors determine students' improvement and provide helpful feedback to generate corrections. This kind of also helps produce a sense of community inside the classroom. Pupils can throw open about their worries and feelings, and coaches can better prepare for a challenging week. In addition, regular check-ins may also help create a good sense of community among learners.
In addition to formative consultations, the weekly exams were created to test students' prior understanding and the fresh material that they can had learned. The benefits of these exams were generally followed by a feedback session and a pep talk. This is an important approach to encourage students to know and to work with their failing as a means to achieve success. Interestingly, the questions in these examinations were frequently at higher levels than the ones on the final exam.


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From the Admin Dashboard, navigate to the Reports tab on the left hand side and select the Payments tile. Each report can be sorted by column header by clicking on the header name. To view the report, simply click "Generate Report" on the right side when all of the report's parameters are set. Each report can be exported to CSV or printed by using the blue buttons in the top right of the report after it has been generated. Below is a summary of each Report Types.
Accounts receivable aging
The Accounts receivable aging report lists the amount of money that is owed per student and how late that payment is. Amounts owed are categorized by if they were due 0-30 days ago, 30-60 days ago, 60-90 days ago, or 90+ days. 0-30 days indicates the money may not be overdue yet. This report can be generated for All students, per classroom, or for a single student.
The Deposits report lists all cash and checks that are to be deposited into the bank for a given date range. "Other" includes all other offline payments.
Grouped transactions
The Grouped transactions report shows the amount of money billed and paid for each transaction item type. The Item types are pulled from your list of Saved items at the bottom of the Billing > Overview tab.
When generating this report, it will download a CSV file with every single transaction, this includes all charges and payments made. Any column header with an ID is a Playground internal code. Account codes can be customized under Settings > Payments in the Admin Dashboard. The Fee column of this report refers to the Playground processing fees. If you entered an offline payment, you'll see the Type of payment made in the far right column.
Payment methods
The Payment methods report lists the payment methods in Playground per student. This report will let you know how many payment methods the student has on file, if the guardians have enabled autopay, the default payment method if there is more than one payment method on file, and the expiration date of the payment method. If a student has more than one payment method, they will only be listed once on this report with the default payment method. To view the student's alternative payment methods, you will need to go to the student's Payment tab on their profile.
Revenue source
The Revenue source report groups the amount of money processed by each payment source per student, for a specific time period. The column headers across the top show each unique payment source with a total amount to the very right.
Revenue summary
The Revenue summary report will download a CSV file to your computer for the specified date range. This report has three main sections: Revenue, Credit, and Payment. Each section has categories listed underneath with a total of the section at the bottom. The Revenue section shows all sources of income per item type. These item types can be found in your Saved items list under Billing > Overview. The Credit section shows any credits recorded for students using the "Add credit" button. The Credit section does not include discounts. The Payment section includes all Offline payments itemized by payment type. This report
The Transactions report shows which charges have been paid off for a particular date range. The report shows three different dates:
Invoice date: date the charge was posted to guardians
Due date: date the charge is due from the guardians
Paid date: date the payment was made


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- Home
- City Departments
- Utilities Department
Utilities Department
The General Services (Utilities) Department includes the following Divisions: Waste Water, Storm Water, and Solid Waste, including managing the City's Solid Waste and Hauling Contracts with Waste Management, Inc. The Department also includes the Richard A. Heyman Environmental Pollution Control Facility (Waste Water Treatment Plant), which is operated by Jacobs, the City of Key West Solid Waste Transfer Station on Rockland Key, which is operated by Waste Management, Inc., and the Stock Island Landfill which has been closed since 1992.
Rate Studies
The Utilities Director is responsible for annual sewer, stormwater, and solid waste rate studies. The rate studies and budgets are traditionally presented to the City Commission in July. The Utilities Department is at City Hall, 1300 White Street, Key West, FL 33040. The Solid Waste Transfer Station is located at MM 9 on Rockland Key and can be found at 161 Toppino Industrial Drive, Highway (US-1) Rockland Key.
Key West's wastewater and stormwater system has garnered numerous top awards from the Florida Water Environment Association, including First Place in the Advanced Secondary Treatment category and the 2012 Operational Performance Excellence Award.
The City of Key West has a Solid Waste Master Plan for the City. This plan aims to create a map to guide the City towards increasing our recycling rate, maximizing our waste diversion, and creating a pathway towards a zero-waste community.
If you have a question about your sewer, solid waste, or storm water billing, please get in touch with us at 305-809-3721, or you are also welcome to stop by our office at:
1300 White Street
Key West, FL 33040
Monday through Friday
8 AM to 5:00 PM
Jacobs 305-292-5100
The Florida Keys Aqueduct Authority (FKAA) is independent of the City Government, providing potable water for all Florida Keys. Please get in touch with FKAA at 305-296-2454.
Keys Energy Services is independent of the City Government, providing electricity for the City of Key West. Please get in touch with Keys Energy at 305-295-1000.
Waste Management, Inc. provides waste management services, including collection, transfer, recycling, resource recovery, and disposal services, and operates waste-to-energy facilities. The Company serves North American municipal, commercial, industrial, and residential customers. Please get in touch with Waste Management at 305-296-8297
Kelly Crowe
Utilities Department
Physical Address
1300 White Street
Key West, FL 33040
Mailing Address
P.O. Box 1409
Key West, FL 33041
Phone: 305-809-3906Fax: 305-809-3978
Staff Directory Hours of Operation:
Utility Resources
- 2016 Certification of Completion Long Term Care Report (PDF)
- Construction Stormwater Pollution Prevention Plan Template (PDF)
- Disability Discount Application (PDF)
- Final Public Notice Wastewater Treatment Plants (PDF)
- Florida Department of Environmental Protection Construction Activity (PDF)
- Florida Department of Environmental Protection Documents for Gerald Adams Environmental Testing (PDF)
- Florida Department of Environmental Protection HPDES Generic Permit (PDF)
- IFAS Extension Best Management Practices for Lawn (PDF)
- IFAS Extensions Landscaping (PDF)
- Section 10-8 Key West, FL Code of Ordinances (PDF)


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A reader asked that question today. To those unfamiliar with the answer, it might seem shocking: Nobody's.
Q: "I am a bank and I make loans. Whose money am I lending?"
A: Nobody's
You are creating new money. Lending creates money out of nothing, and that money is deposited somewhere, creating deposits.
Check out the following chart.
Total Credit Owed vs Base Money
Total credit owed exceeds $90 trillion. Base money is just over $6 trillion.
The Federal Reserve defines the Monetary Base as "The sum of currency in circulation and reserve balances (deposits held by banks and other depository institutions in their accounts at the Federal Reserve)."
Bank Reserves
Bank reserves were 3.3 trillion as of the end of May.
They are a function of QE.
Via QE, the Fed shoved money down the banks' throats which the banks park back at the Fed an collect interest.
Hooray, Free Money
The Fed pays interest on all reserves. At the end of May, the total reserves were $3.318 trillion.
The Federal Reserve currently pays 1.65% interest on reserves IOR.
If the Fed hikes to the range of 2.25-2.50 percent in July as expected, then expect IOR to jump to approximately 2.40 percent.
Q: On an annual basis, how much free money are we talking about?
A: 2.40 percent of $3.318 trillion is $79.63 billion!
Q: We are giving banks $79.63 billion in free money?
A: It's a moving target.
The IOR keeps rising but the reserve balances keep declining.
That $79.63 billion reflects a hike that has not taken place yet. If the Fed keeps hiking at a pace that exceeds QT, then the amount will rise further. If not, the actual amount of free money will drop.
Constraints on Bank Lending
1: Bank cannot be capital impaired (too many bad loans)
2: People or corporations want to borrow
3: The bank has to think the loan will be paid back (believe the customer is a good credit risk)
The bank may very well be wrong about point number 3, but it will give a loan if it believes the customer is a good risk (or that the asset value will rise if the customer defaults)
Think about point 3 and the housing crisis. Banks knew damn well they were doing liar loans, but they did not foresee a housing price crash or people walking away from homes
Bank lending creates money that did not exist before. To the extent that any "reserves" are needed, the Fed can manufacture them at will and then some via QE as the above chart shows.
Banks used to collect free money on "excess reserves" now it's "reserves"
Reverse Repos Hit a New Record High of $2.33 Trillion: Plus a Q&A on Free Money!
I discussed free money and also Reverse Repos in Reverse Repos Hit a New Record High of $2.33 Trillion: Plus a Q&A on Free Money!
This post is a follow-up to the above after a reader asked what money do banks lend.
I also added a note to the above post to state that it was primarily non-banks, especially money market funds that take advantage of the Reverse Repo Facility.
Addendum Q&A
These are reader questions and my responses.
Q: I just don't get, though, how temporarily selling treasuries & MBS to banks for short periods allows the Fed to keep the Fed Funds Rate in its target range?"
A: Deposits are liabilities of banks. As silly as it sounds and I do think this is silly, banks have to maintain capital on these deposit liabilities.
At any rate, banks will act to get rid of this excess cash "reserves" (a perverse term) and they do that by buying any short term asset they can, typically short dated treasuries.
When the Fed had interest rates near zero, competition for short-term treasuries was so intense, it was driving the overnight rate below zero. Not only did this force rates below the Fed's target rate, it also put them in negative territory, and nearly broke every money market fund unless the funds started charging interest on deposits!
In response, the Fed started offering nonbanks access to the repo facility whereas before it was only to banks and market-makers like Goldman Sachs.
Bernanke understood this would happen and lobbied Congress for the right to do this and Congress obliged.
Rather than get rid of enough of these "excess reserves" (a term no longer used probably because it points a finger at the Fed) the Fed does Reverse Repos and pay interest on reserves.
The Fed needs to do this to force "up" rates at the low end of the curve because the impact of QE is to force rates lower, below the Fed's target.
That's what competition for short-term treasuries has done to the market. "The system is functioning as designed" stated the Fed. And I mocked that design in my previous post.
What the Fed should do is drain all this damn QE as fast as it can. Instead it is dragging the process out for years.
Q: If banks aren't lending my bank accounts, term deposits etc., then how does my money at the bank make it into a loan?
A: It doesn't!
Deposits are a liability.
The only reason some banks actively seek deposits is they can park deposits at the Fed for higher rates than they are paying on the accounts. The big banks have so much QE they don't even bother trying to attract small depositors. Small peon deposits are more of a nuisance.
Smaller lenders also hope that the deposit customers they attract become borrowers at some point.
Q: Mish, Are we headed for a deflationary recession or an inflationary recession? Or maybe both? Maybe asset prices decline in value while food, gas, commodities remain elevated?
A: We will have another round of asset deflation, in fact, it's started. Whether that leads to CPI-measured inflation is another question. But if you properly throw housing into the equation it sure seems likely.
Historical Perspective on CPI Deflations: How Damaging are They?
It's asset-price deflation that matters. I have written about this many times. Please see Historical Perspective on CPI Deflations: How Damaging are They?
A BIS study concluded "Deflation may actually boost output. Lower prices increase real incomes and wealth. And they may also make export goods more competitive. Once we control for persistent asset price deflations and country-specific average changes in growth rates over the sample periods, persistent goods and services (CPI ) deflations do not appear to be linked in a statistically significant way with slower growth even in the interwar period."
The central bank battle against beneficial routine deflation has started once again to create the very deflation that central banks ought to fear!
Article posted with permission from Mish Shedlock
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Renovators Dream!! Located In Beautiful Lakeside Community, This Super Charming 1 1?2 Storey Home Needs Its Finishing Touches Done To Make A Dream Home Come True. The Home Is In Great Shape And A Great Template, 3 Bd/2Ba, Could Easily Converted To A 4Bd With All The Rooms You Have. Amazing Opportunity For Somebody To Come And Finish Renovations To Make It Truly Shine. Kitchen Is Fully Renovated With Brand New Appliances.**** EXTRAS **** Brand New Above Ground Pool And Ac Unit Both Bought In Summer 2022, Kitchen Appliances, Elfs, Window Coverings, Everything You See In The Photos Are Included, Single Car Detached Garage In Rear, New Stucco On Exterior, Deep Lot. (id:48522)
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NEW BRITAIN, Conn. — In sweeping style, Columbia volleyball (1-0) took down St. Peter's (0-5), 3-0, to start 2022 with a win and provides head coach Patric Santiago his first win because the Lions' head coach on the Central Connecticut State Invitational held at Detrick Gymnasium.
Columbia used a dominating third set and a powerful end to the second set to take the match, 25-17, 25-22, 25-9. On the assault, Kiara Robichaud led the Lions with 14 kills and a .526 hitting share, ending with 12.5 factors and Ruby van der Heide set the tone, ending with a match-high 25 assists in her first collegiate match.
"I used to be extremely pleased with our younger ladies tonight," stated Santiago. "Whereas it was nice to get a win, seeing them assist one another, raise one another and compete was one of the best a part of the night. We're so grateful for the chance to construct a powerful basis right here at Columbia, brick by brick and so grateful for the assist we get from our workers, directors and households."
Congratulations to move coach Patric Santiago on getting his 1⃣st win on the helm of @CULionsVB!! 👏👏#RoarLionRoar pic.twitter.com/FmvNn8N2k1
— Columbia Volleyball (@CULionsVB) September 3, 2022
As a workforce, the Lions have been robust defensively holding St. Peter's to .053 hitting share on the night time and Columbia set the tone from the service line, ending with seven aces, led by Vanessa Pan, Lauren Cho and Pierce Woodall whom all had a pair of aces within the match.
HOW IT HAPPENED: Columbia opened up a niche within the first set to start the match, leaping forward 13-5 due to a trio of kills from Robichaud. St. Peter's did battle again, getting inside one level at 14-13 and following a Columbia attacking error, Santiago known as Columbia's first timeout.
The Lions responded and got here out of the timeout scoring six of the subsequent 9 factors to leap forward 20-15, hitting 20 factors with a kill from Saj McBurrows. St. Peter's, who hit solely .045 within the set, may solely handle two extra factors over the ultimate seven and a kill from Woodall, assisted by van der Heide, gave Columbia the opening set 25-17 victory.
St. Peter's performed its finest set of the match within the second, and Columbia confronted its first take a look at of the season, evident by the 10-10 rating early within the set, the rating being knotted from a kill by Maria Milisa. The Peacocks hit their finest share within the match, ending the second set at .200, and the rating was tied as late as 22-22.
Down the stretch, Columbia's protection put up a wall on the internet and the tied rating was damaged by a block by Juliana Williamson. The successful level got here from a pair of blocks by Williamson and Amanda Holsen, and after sending again the ultimate assault of the set the Lions had wrapped up a 25-22 second set win.
Rolling into the third arrange 2-0, the Lions roared to their greatest margin of victory since 2019, and when the rating hit 14-8, Columbia pulled away in dominating style. Sparked by Woodall's kill, Columbia scored the subsequent 9 factors to take a controlling 23-9 lead. A kill from Aidan Conner, adopted by a St. Peter's assault error, locked up the 25-9 third set victory and a straight-set season-opening win.
Columbia opens 2022 with a sweeping efficiency, taking all three units towards St. Peter's to get the season off with a ROAR!!
🦁 – 3
🦚 – 0@AthleticBrewing | #RoarLionRoar pic.twitter.com/mvLDEb537b
— Columbia Volleyball (@CULionsVB) September 3, 2022
– This was the primary time Columbia gained the season opener in straight units since 2014
– Columbia gained its opening match for the primary time since 2019
– The win was the primary time that the primary win of the season was a straight-set victory since 2018
– Columbia's 25-9 third-set victory was the largest margin of victory since a 25-9 third set win over LIU in 2019
FOLLOWING THE LIONS: Keep updated on all issues Columbia volleyball by following the Lions on Twitter (@CULionsVB), Instagram (@culionsvb) and on Fb (@ColumbiaAthletics).


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Important information
Sentiance, Artificial Intelligence Innovators will Open a Research and Development Unit in Vilnius
The Belgian company Sentiance which is developing an artificial intelligence-based technology for studying human habits is settling in Lithuania. Over the next three years, the company plans to recruit about 30 data scientists and highly qualified software system specialists in the new Vilnius R&D unit.
"We made the decision to settle in Lithuania, seeing the skills and abilities of the professionals working here. The quality of life in Vilnius was also very important, which helps ensure the long-term stability of the team, and the fact that the time difference between Belgium and the Lithuanian capital is just one hour. This will ensure quick communication between the unit in Vilnius and the head office in Antwerp", -says Toon Vanparys, CEO of Sentiance.
The technology developed by the company allows the use of information collected by sensors in different devices to better understand the consumer behaviour and the context that provokes such behaviour. The technology developed by Sentiance collects information from sensors installed in smart devices (GPS receivers, time, gyroscopes, etc.), biometric data measurement devices and home-based sensors.
The Sentiance data detective technology for business companies is based on a data processing platform operating on system and deep learning-based algorithms. It provides an opportunity to deliver the end-user information in a convenient form to the costumer who can then take data-driven business decisions. From the data received, Sentiance can create not only an aggregated profile of all users, but also individual specific user profiles.
"To make it easier to imagine how the system works, I can give you an example. Some of the leading car sharing platforms or insurance companies are using our platform to evaluate the drivers' behaviour. Smartphone sensors can show whether the driver is driving with caution, in accordance with road traffic regulations or whether the driver is distracted, causing emergency situations, etc. According to the driver's habits, the company can determine the driver's risk level and increase or decrease the insurance premiums or encourage the driver to drive more responsibly", – explains Mr T. Vanparys.
The Sentiance platform is used in insurance, healthcare, smart home, "intelligent" cars and commercial program systems.
"Lithuania has recently become an attractive location for R&D units traditionally employing highly qualified specialists. It not only increases the competence of the local ecosystem, but also gives new opportunities to exploit the potential of Lithuanian specialists for the development of world-class technologies", – says Mindaugas Sinkevičius, the Minister of Economy.
Sentiance units in Antwerp, London, New York and Shanghai are currently employing more than fifty professionals. 80 percent of the company employees are doctors of science with academic experience in system learning, neuroscience, big data, artificial intelligence and other areas. Vincent Spruyt, the company's Chief Data Scientist was named by the prestigious MIT Technology
Review as one of the most important innovators in Europe this year.
"Technically speaking, Sentiance is a market player of such level in its field as are other companies that have established their R&D units in Lithuania – Uber, Unity or Braendler Engineering. Therefore, Sentiance's decision to come to Lithuania shows not only the country's readiness for developing data science-based solutions, but will also help to grow the industry that is still in the stage of development", – says Mantas Katinas, CEO of foreign investment development agency Invest Lithuania.
Established in 2015, Sentiance has attracted EUR 15,6 million investments for further development. The major investors are Volta Ventures, Samsung, QBic and KPN Ventures.
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The 2023 adopted budget for the capital comprises EUR 1.205 billion
After deliberations, the City Council of Vilnius adopted the 2023 capital city budget comprising EUR 1.205 billion, 16.9% more than last year. The main focus will be on expanding the school network and public spaces for recreation, investing in the quality of public transport, and creating new... ❯❯❯
A special space in Vilnius City for Belarusians: an appropriate place for gatherings and exhibitions
Today the Vilnius City Municipality Administration rented its premises to the Belarusian community. The premises were rented on one of the busiest capital streets, Vilniaus st. 20, for community gatherings. A short-term lease agreement was initially signed with PI "Dapamoga" for a month.... ❯❯❯
Vilnius extends a helping hand to tenants of premises owned by the City exempting them from taxes
The City of Vilnius reminds that back in March it ensured that residents of Vilnius are exempted from the payment of the real estate tax during quarantine. This also goes to those, who own real estate or land plots, also tenants of state land engaged in cultural, leisure, catering and other... ❯❯❯
The Mayor of Vilnius R. Šimašius presented to investors the plans of the growing capital of Lithuania
Today, the Mayor of the capital Remigijus Šimašius presented to investors the key works to be implemented in the city in the next four years, the programme for attracting investment, and rejoiced over the achievements of Vilnius. Members of the Investors' Forum, an independent... ❯❯❯
Norwegian Yara is about to open its first transport management centre in Lithuania
Norway's Yara International, one of the world's largest providers of fertilizers and crop nutrition solutions, has just announced plans to open a logistics-focused European Business Centre in Vilnius, Lithuania. The centre is going to occupy a unique place in the company structure, with no... ❯❯❯
E-commerce innovators from the Netherlands to develop AI solutions in Vilnius
Convious, an IT company from the Netherlands developing data-driven e-commerce solutions, has just announced opening its R&D centre in Vilnius, Lithuania. The company has plans to build a team that will be responsible for developing the company's platform that employs AI to provide users... ❯❯❯


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The Colorado Avalanche had to wait for nearly the entire period to score, but they enter the first intermission with a 1-0 lead after Stefan Elliott's goal came with just 17 seconds left in the period. Elliott picked the puck up from his own end zone, skated through traffic and then snapped off a wristshot for his third goal of the season and the Avalanche lead. The 20-year-old rookie defenseman had not scored a goal or tallied a point since Nov. 30.
The Sharks continued to struggle offensively, never quite taking advantage of Colorado's turnovers. All 11 shots they put on net were blocked by Semyon Varlamov. The team, subsequently, was unable to convert on the only power play opportunity of the period, Cody McLeood's two-minute charging penalty.
That one goal really could the only point needed to win the game.
For more coverage, visit our Avalanche blog Mile High Hockey and our Sharks blog Fear The Fin.


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Narayan Rane inaugurates KONBAC-SFURTI Bamboo Cluster at Kudal
Tags: Economics/Business
Union Minister for Micro, Small & Medium Enterprises (MSME), Shri Narayan Rane inaugurated the KONBAC SFURTI (Konkan Bamboo and Cane Development Centre - Scheme of Fund for Regeneration of Traditional Industries) bamboo cluster at Kudal, Sindhudurg on 25 February 2022. The cluster will support 300 artisans.
The Ministry of MSME has released Rs 1.45 crore for setting up of the cluster.
Konkan Bamboo and Cane Development Centre - Scheme of Fund for Regeneration of Traditional Industries (KONBAC)
It is an independent non-profit organisation which has developed into a self-sustaining institutional ecosystem and has a fully developed facility for designing, prototyping and producing premium bamboo products for Indian and international markets.
It has in place mechanisms to link poor bamboo producers to larger lucrative markets and has already emerged as a model that is being emulated elsewhere in India and overseas.
Scheme of Fund for Regeneration of Traditional Industries (SFURTI)
It was launched by the Ministry of Micro Small and Medium Enterprises in 2005 to promote Cluster development.
Khadi and Village Industries Commission (KVIC) is the nodal Agency for promotion of Cluster development for Khadi.
The scheme organises traditional industries and artisans into clusters to make them competitive and provide support for their long term sustainability. It also aims to provide sustained employment for traditional Industry artisans and rural entrepreneurs.
Is Bamboo a Tree?
The Indian Forest act 1927 considered bamboo as a tree. It meant that people couldn't cut or transport bamboo as it was under the control of the forest department. It was considered illegal.
The act was amended in 2017 and bamboo was classified as grass. It means that bamboos which are grown in non forest areas can be cut and transported without the permission of the forest department .
Scientifically also Bamboo is not a tree but a type of grass.
Fact file Bamboo
China is the largest producer of Bamboo in the world and India is the second largest producer of Bamboo in the world .
State having maximum Bamboo bearing area
Total bamboo bearing area in India (15 million hectare)
Madhya Pradesh 1.84 million hectare
Arunachal Pradesh 1.57 million hectare
Maharashtra 1.35 million hectare
Odisha 1.12 million hectare
Source : Indian State of Forest Report 2021.
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Derbyshire Wedding Planners
Weddings are wonderful occasion but planning them can be extremely stressful. However, it definitely doesn't have to be, so, why not use one of the following Derbyshire wedding planners to ease some of the pressure? The specialists below can organise as much or as little as you like from sourcing suppliers to on-the-day coordination.
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A carefully adopted crypto analyst is unveiling his forecast for a handful of altcoins together with Chainlink (LINK), Polygon (MATIC) and Floki (FLOKI).
Dealer Michaël van de Poppe tells his 659,400 Twitter followers that he's bullish on the decentralized oracle community Chainlink.
In response to Van de Poppe, he's searching for LINK to rally to $8 so long as it stays above its instant assist.
"Chainlink seems constructive.
[LINK] broke again into the vary, as we've had a slight deviation beneath the lows, leading to a check at $5.
So long as $5.50-6.00 sustains as assist, the markets are taking a look at a case the place we'll be sweeping the highs.
Leading to a rally to $8."
At time of writing, LINK Is buying and selling for $6.14.
Subsequent up is the blockchain-scaling resolution Polygon. Van de Poppe says that MATIC seems poised for a burst to the upside after beginning June on a bearish be aware.
"This one seems first rate. Large cascade to $0.50 leading to a series response of liquidations on the lengthy facet. These have all been taken. Possible that we'll be breaking apart, must flip $0.75. Seeking to lengthy a retest round $0.55 or flip $0.75."
At time of writing, MATIC is buying and selling for $0.65.
One other altcoin on the dealer's checklist is the memecoin Floki. In response to Van de Poppe, FLOKI is at present in the midst of a buying and selling vary, and he's searching for the memecoin to both check its assist or break above its vary excessive earlier than accumulating the token.
"Similar to many altcoins, it's in between ranges.
Ideally, you'd need to see a case of an HL (increased low) being made right here (technically we pattern down).
If $0.0000235 holds, longs are sport.
Finest case: Flip $0.0000308."
At time of writing, FLOKI is value $0.000026.
The final altcoin on the analyst's radar is OKB, the utility token of the crypto change OKEx. In response to Van de Poppe, he's anticipating OKB to rally so long as it respects assist at $42.
"In the meantime, OKB is doing properly as an asset.
I'm anticipating OKX to change into a outstanding participant within the coming few years within the markets and OKB begins to indicate power.
If we maintain above $42 and break $47, I count on $59 is subsequent."
At time of writing, OKB is buying and selling for $44.34.
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Fabrique Déco
Minimalist wooden candlesticks to add a Scandinavian feel to your decor. The clean lines and elegant design make these candle holders unique. This is a great Christmas gift or a welcome addition to your dining table for special occasions. Perfect for tapered candles. The 6" and 8" candles are our favorite choices. Be sure to never leave your candles unattended.
Handmade in Sherbrooke, Quebec.
Wood - Black Ash
Small:Diameter 5 cmHeight: 25 cm Big one: Diameter: 5 cmHeight: 31.5 cm Weight: 381 g
Wash with mild soap. No abrasive products.
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Jeff Fisher, Post-Practice – August 23, 2016
(On how QB Jared Goff is doing in practice)
"Jared's doing great. He had a good day today. He made some really good throws. Got comfortable in a couple periods, ran with the 1s in at least two periods. He was very comfortable. Made some really good throws."
(On why Goff seems more comfortable in two-minute situations)
"Yeah, he is. He's got a good feel for it. Oftentimes, in two-minute situations, we shut the pass rush down, so he's got more time and the defensive line kind of settles down. Today, we rushed, but many times when he's had a two-minute, you kind of tone the rush down a little bit and do the route recognition exercise."
(On practice today)
"It was great. It was back in pads again, we had a good tempo yesterday, we had a few mistakes and I thought both sides responded. We got some really good special teams work and we were competitive. We did a lot of things today – from plus-20 passing to move-plus-20 to third-down stuff, to third-and-short, we were all over the place, and then two-minute. We had a lot going on."
(On the tight end unit)
"With the addition of the two rookies (Tyler Higbee and Temarrick Hemingway), we really like the group right now, they're coming on. I don't want to say we exposed them, but we brought them into the special teams part of the game. Up until this point, for different reasons, neither one of them were doing much teams. They'll play this week in special teams roles, which is important for them."
(On if he's looking for anything specific from DE Ian Seau this week in the game versus Denver)
"No, we're going to give him a chance to play and continue to show us what he can do. (Defensive line) Coach 'Wauf' (Mike Waufle) is an outstanding coach and you could see some subtle improvements in some areas, especially his hand placement, his positioning, his pad level against the run, things like that."
(On what the addition of defensive assistant Mike Singletary has done for the defense)
"I just like having Mike around – one of the best to play the middle linebacker position in the history of this game. He really wanted to get back on the field, so we invited him out. I told him just to have fun and enjoy it, he's working in a lot of different areas – offense, defense and special teams."
(On if the NFL is changing to where you can have smaller, quicker interior defensive linemen like DT Aaron Donald)
"No, you're going to find a lot of big guys around the league. We faced one last week that was a big human being – and strong and powerful. We just liked Aaron's skillset coming out. He plays a lot bigger than he is, just because of his leverage, and his strength, and his quickness."
(On if there's a benefit to having a smaller, quicker defensive lineman)
"It depends on your scheme. You build your scheme around it. That's what you have do and that's what we've done."
(On if he's made any determination on how long each quarterback will play this weekend versus Denver)
"Not yet, we'll probably talk about it tonight or tomorrow. As soon as we know, we'll let you know."
Gregg Williams, Post-Practice – August 23, 2016
(On his thoughts regarding the team's progression over the past three weeks)
"These guys have had a very good 2016, and I think the organization has done a fantastic job on blocking out distractions, relocating; we're going to move three times in five months, and all these guys do is come to practice every day, come to meetings every day. That's their routine. The most calm part of what we do is coming out here on the practice field, coming into the meeting rooms. There's not a lot of new stuff. They're used to me, I'm used to them. So it's been a real productive spring, and I do like how they've come back from the spring OTAs, and coming back in condition here for these training camp practices. It's been a real positive format, so far."
(On how much more he can do now in year three with the Rams)
"The biggest thing is that when we stay healthy, the thing we've done the best around here is that we've had to battle lots of things with injuries, with losses of players, and that type of stuff; playing a lot of snaps, because we've struggled scoring and stuff. So what we've done is we've had to play a lot of snaps, and those guys have done a great job of doing whatever it takes to play good defense. So I've been real proud of that. Plus, we've played a lot of people. So we have some experience here that needs to step up and get ready to take the next step. We have a lot of different philosophies that we go by. Everybody has X's and O's. But what's the culture, you go back creating? Coach Fisher has a good culture, and that's one of the things I think I do best, on culture. And then changing the X's and O's to fit the players that are fitting into that. We're doing that same thing here. We have a chance to be very fast on defense. We've got to stay healthy. And we've done a good job on the preseason games on who we've held out, who we've tried to play, who we've limited reps. We've not done any game planning at all, because to be quite truthful, I need to see some of these new, young players play. I have no idea. Practices are so much different now in the NFL and training camp, with the non-contact that you have; the ways with not very many padded practices. So now you get a chance to get them into a game, especially some of these young college guys coming in as rookies. And even some of the veteran guys that we sign free agents that came from other teams, I'm not seeing them under duress, I'm not seeing battle in the game, so it's been very good. And I think the second half of all the games that these young guys have played have been very good. The things that have happened in the first half in a couple of these games have been very good correctable things that these guys have grown from. So far, so good. Now when they take the next step this week, It'll be interesting to see these guys play. I have a lot of respect for (Broncos Head Coach) Gary Kubiak and the way he coaches offense, and the way that staff puts things together. I really like their defense, too. I know (Broncos Defensive Coordinator) Wade (Philips) and all those guys as a lot of friends on that staff in the coaching profession. But, when we're playing in the game, none of us are friends. We're playing until the game is over."
(On what he's seen from DE Robert Quinn so far)
"He's done very well. And again, one of the biggest things you have to do with a competitor like him is hold him back. If we didn't have the problem of holding him back, we have the wrong guy. He has pushed so hard and done so well and we've done a very good job, with (Director of Sports Medicine and Performance) Reggie (Scott) and the training room and our doctors and our head coach and our D-line coach Mike Waufle on how we have brought him along. He has gotten better every single day. You guys are going to see a few things, but I don't need to see a whole ton of reps of him. I need to see him play on gameday in a regular season. I've been through a lot of games with him, I see him in practice every day. He'll got some limited reps, but not looking to get a lot of banging around because I want to see him banging around come Monday Night Football against San Francisco."
(On what makes Quinn special)
"He does things that you can't coach, he has some of the fastest-twitch pass-rushing I've ever seen. Then, when you watch a pass rusher turn the corner, everybody in the National Football League has to turn the corner at nine yards. The good ones start turning the corner at eight yards, the Pro Bowlers will start turning the corners at seven yards, when you'll see the quarterbacks at seven. You'll see Robert turn it at a four, five and six – not very many people can do that, only the elite of the elite. I can't coach that, I'm a better coach when he plays and does that, I'm telling you that."
(On what he's seeing from LB/S Mark Barron in his first full year in his new role)
"Light years (ahead of where he was). What's so much fun to see is how much he has grasped. Last year, the biggest thing we wanted to do as a staff is not overload him, not slow him down. In fact, we talked as a staff, and I know the staff got irritated with him, I told the staff 'don't coach him. Unless he asks a question, let him alone – and then when he asks a question, that's what he needs to know to figure it out.' Now, this year, we've started from day one, scratch one, building him back up through there and the light has really clicked on for him. He's one of the fastest linebackers in the National Football League, he'll be even better this year. We've got to keep him healthy, we're doing a few special things with him to keep him more healthy and how we're playing him behind the ball. I really can't wait to see he and (LB Alec) Ogletree play together. You guys are going to see a pretty good, fast pair of backers doing things."


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15 May 2019 16:19

Tips on Buying Your First Video Recreation

Need some advice on video games? People search solutions online continuously. This text will give you issues to find out about video games that nowhere else has, so it's necessary to observe together with it so you understand you're getting all the things out of it.

If Simple Tips Made Easy To Help You Figure Out Video Games taking part in a shooter, make each considered one of your photographs truly depend. Many novice players make the error of simply squeezing that set off and letting out round after round. Quickly you may be empty with nothing to indicate for it. As a substitute look forward to a transparent shot and follow endurance overall. You'll be rewarded.

If you're feeling such as you targeted your enemy spot on in a shooter and nonetheless missed, verify what weapon you're utilizing. Identical to in actual life, different weapons have completely different strengths and weaknesses. The weapon you are utilizing could not have the short distance required or the weapon recoil is actually placing you slightly off target.

If you're involved about the ESRB rating, and you aren't positive whether or not you should purchase a game for your family or not, turn to the Internet for help. By combing by way of consumer evaluations, you need to be able to figure out why a recreation was given a particular ranking. You may additionally discover issues that the rating did not tell you about, however that will impact your choice.

Always verify several different shops before purchasing a game. Make sure you look both on-line and in actual brick and mortar shops in your area. What You Must Know About Video Games Absolutely of a video game can fluctuate broadly, significantly if a game isn't model new. By doing a bit of extra leg work, you may get a sport for a steal.

Preorder games if they provide a low cost on the purchase. You can have the latest sport when it comes out and save money on the price or get other special perks whenever you preorder it. Check native gaming stores or online retailers to get one of the best deal on preordered video games.

Commerce in your video video games if you find yourself carried out playing them. Must Get Caught Up On the planet Of Video Games? Check out The following pointers! offer special discounts or credit in the direction of your next buy when you commerce your video games in. You may get the following game you want for a low price once you do this. In any case, you don't need the video games once you beat them.

Moderation is essential in all things, and playing video video games isn't any different. Playing for hours on end is not good for you, bodily or mentally. There are a number of video games out there that know this and include measures to remind you to take breaks. Take the initiative your self, though! Set an alarm in order that you do not play for more than an hour straight.

Monitor your child's video sport taking part in. Video video games are actually rated identical to movies and that might help. This permits you to monitor the content your baby is exposed to. Depending on your kid's age, keep him away from games which might be meant for those who are more mature than him.

Strive not to buy new video video games on the day of their release. Video video games are expensive nowadays and waiting a month or two from the release date can show you how to to avoid wasting some huge cash on new video video games. New video video games always value more for the primary few weeks after their launch.

When you engage in common gaming marathons, hydration is vital! Video games are addictive and might pull you in. You may forget to drink when this happens. As with any other activity, failure to take in enough water can put your well being at risk, so make sure that you take in enough fluid throughout your gaming sessions.

Know what microtransactions are. Many video video games now rely on these in sport transactions for both some and even all of their revenue. Often linked to Legendary Video Sport Advice From The Masters or debit card, you can wind up spending some huge cash inside a recreation on digital or premium content material and never notice how much you are really spending.

Consider renting video video games as an alternative of shopping for them. Renting video games is significantly cheaper than shopping for them. Furthermore, renting gives you an opportunity to try out a variety of different video games. Obviously, if you happen to rent a sport that you end up actually liking, you might then consider buying your personal personal copy of the video game.

If you are buying a game for a toddler and don't know what kind of game to decide on, use the ESRB score on the case as a guide. The rating system is not perfect. It does give you a good suggestion in regards to the content material of a recreation. Even so, so you may ensure the game is age-appropriate.

Some of the preferred video games obtainable as we speak are role-playing video games with really astonishing depth and complexity. With a purpose to get essentially the most out of those kinds of video games, don't hesitate to take notes on what you've got performed and what you intend to do. This can be especially useful if your opportunities to sit down and play come few and much between. Your notes will remind you of the place you are going next.

If your youngster wants an additional enhance at college in a certain subject, look for video video games that have an educational deal with that topic. Kids learn finest when they're having enjoyable. Enjoying these games every now and then may be able to reinforce a topic through which they need further help.

When playing a sports activities video sport for the primary time, set the issue level to rookie. Sports activities video games are sometimes very difficult and take time to be taught. As soon as you have been taking part in for the whereas, step by step change the settings to more difficult ones.

Questions answered, now you can share your great gaming information with others like you. Your friends are certain to appreciate your new insights on gaming. You may even use your expertise to turn pro one day. Not solely are video video games enjoyable to do on the facet, it can also be an amazing career!


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Refund and Cancellation
How much time will it take for a payment to be accepted by the biller?
Some billers take a maximum of 3 business days to accept the payment after the transaction is completed on Onestack.
We request you to pay your bills at least 3 business days before the payment due date to avoid inconvenience
Can a bill payment be cancelled for a refund?
No, bill payments once made by you cannot be cancelled for a refund.
Why am I unable to make a bill payment?
Please ensure that you enter the correct authentication and account details while making a bill payment
At times, the delay could be due to technical reasons. Please retry after sometime.
My payment was successful, but the bill payment failed.
Some of the common reasons for failed bill payments include:
Incorrect authenticator details like account no, customer ID etc
Late payment fee not added to the outstanding bill amount
Technical issues at the biller's end
In case of failure, a refund will automatically be processed to your account. Refunds may take up to 2-4 business days, depending upon your bank's policy.
More Questions
How do I make a bill payment?
You can make bill payments on the Onestack mobile app.
On the OneStack Mobile App, click on the specific utility for which you want to pay and follow on-screen instructions. For example, electricity, landline, gas etc.
You can also click on recent bills from your onestack app home screen
What are the eligible payment methods for a bill payment transaction?
You can make bill payments using your Net banking, credit/debit card and UPI.
The payment is successful on Onestack app, however my biller states that the bill is outstanding.
Some billers take up to 3 business days from the date of transaction on OneStack to confirm payment receipt.
If the payment has still not been accepted after 3 business days, the transaction will be cancelled by OneStack and a refund will automatically be processed to your account.
Can I get a payment receipt for my bill payment?
The receipt for your bill payment transaction can be downloaded from the order details on Your transactions page
What all utility bill payments are supported by OneStack?
Currently we support electricity, landline, broadband, water and gas bill payments.
Why do I see a BBPS logo on my bill payment page?
Since the biller is part of the Bharat Bill Pay System (BBPS) system, a BBPS logo appears on the bill payment screen
BBPS is a National Payment Corporation of India (NPCI) initiative. It enables interoperable bill payment services to customers and provides instant payment confirmation
NPCI, as the central unit, also undertakes clearing and settlement activities related to transactions routed through BBPS, thus enhancing customer confidence and experience
I am not happy with the resolution provided by the biller, can I raise a complaint?
Yes, you can raise a complaint via BBPS (Bharat Bill Pay System).
Please enter your BBPS reference number, select the issue code, describe the issue and submit a complaint.
BBPS number can be found on order details page on Your Orders. You can raise only one complaint for one BBPS reference number
If you are raising a complaint for a transaction done outside OneStack, please note that you will be able to raise a complaint for a BBPS reference number only if the mobile number associated with the transaction is the same as the mobile number registered with OneStack
How long does BBPS issue resolution take?
Your complaints are resolved by NPCI appointed operating units and the SLA ranges from 4-7 working days
Please note that OneStack does not look into these complaints and will not be sending any notification when the complaint gets resolved
Is there a purchase limit for bill payments?
Yes, there is a purchase limit for bill payments
If multiple bill payment orders are placed through the same OneStack account or multiple OneStack accounts amounting to unfair usage of the bill payment system, we reserve the right at our sole discretion to cancel any bill payment order without prior notice
Is there any upper limit for the value of the bill payment?
Yes. Only bill payments of up to the value of Rs. 25,000 are permitted on OneStack (i.e, any order of Rs. 25,000 or above will not be processed). This limit of Rs. 25,000 is applicable across our App to all bill payment related categories, including electricity, gas, piped gas, water, landline, broadband and municipal tax bill payments.


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HILLSDALE, Mich. (AP) — A liberal arts college in southern Michigan that says it promotes civil liberty has defied warnings from state and public health officials by holding an in-person graduation ceremony.
The Detroit News reports Hillsdale College held graduation Saturday evening.
The college had expected more than 2,000 people.
Michigan Attorney General Dana Nessel had called the celebration amid restrictions on public gatherings during the coronavirus pandemic illegal.
University officials say graduation is an important milestone and safety precautions were taken, including wearing masks.
COVID-19 cases have been on the rise in recent days.
More than 73,000 confirmed cases of COVID-19 have been reported in Michigan.