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Nine out of 10 people eat chocolate, with 57% of them doing so more than once a week.
So says Mintel in its latest chocolate category report. Bars and blocks are the most popular formats thanks to their availability and price. And confectionery singles or countlines are the most important format for the independent convenience channel, where they are worth £598m and account for 48% of all confectionery sales (IRI). Added to this is the fact that confectionery singles are the items that are bought most on impulse twice as often as crisps/snacks or soft drinks (Him data). Then there's the fact that shoppers of confectionery singles are valuable to independents, spending £6.94 on average per trip versus £6.13 for the average shopper (with that 81p probably being the price of their favourite choccie bar).
Price-marked packs (PMPs) in single confectionery are becoming increasingly important. Their value sales contribution to total singles confectionery (in symbols and independents) is up from 12% to 14%, growing 6% year-on-year versus non-PMPs declining by 10%.
Nestlé Confectionery launched its PMP range in 2016; the '2 for £1' price-mark features across 10 of its best-selling packs and is aimed at driving sales and profits for convenience retailers.
A Nestlé spokesperson says: "PMPs are a proven way for retailers to drive sales and a study by Him found that a multibuy promotion is favoured by both shoppers and retailers. When asked what would encourage them to purchase a product, 70% of singles confectionery shoppers indicated a '2 for £1' multibuy compared to 50% who said a discounted price. In addition, when retailers were asked what they thought their shoppers would find most appealing (when printed on the front of the wrapper) 41% said a multibuy (ie 2 for £X) compared to 28% who said a discounted price.
"A multibuy promotion provides an excellent opportunity for convenience retailers to boost sales and profits. In comparison to packs price-marked at a discounted price of 50p, a '2 for £1' multibuy is almost certain to make more cash margin for retailers. This is because it still provides retailers with the flexibility to set their prices for single packs. Therefore, retailers can benefit from both the uplift in sales a '2 for £1' promotion will generate, as well the higher margins from sales of single bars." Nestlé is currently rolling out new smaller 24-count outers across a range of its best-selling singles including all the '2 for £1' PMPs, which require a lower cost outlay and therefore help retailers with their cash flow.
The core lines moving to the new outers include KitKat four-finger, KitKat Chunky, Aero Peppermint medium, Aero Milk medium, Toffee Crisp, Yorkie Original and Yorkie Raisin & Biscuit, while Rowntree's Fruit Pastilles and Polo Original, Sugar Free and Spearmint will all move to a 32-count outer. Smarties will also be moving to the 24-count outer, with the date yet to be confirmed.
Nestlé says it is the first major confectionery manufacturer to introduce smaller outers across its core singles. Both PMPs and standard non-PMPs will be available in the 24-count outers.
five out of 10
But it's Mondelez International which currently claims five out of 10 of the top-selling products in the singles category: Twirl, Wispa, Cadbury Dairy Milk, Boost and Wispa Gold (IRI data).
Susan Nash, trade communications manager at the company, says: "Single confectionery is a critically important category in your store and if its potential is fully maximised, it can play a huge role in driving incremental sales."
One of Nestlé's best sellers is, of course, KitKat, which is currently backed by a promotion which links confectionery and hot drinks as the 'perfect break partners'. The activity introduces a new character to consumers: Joe the Mug. Joe is a mug who is looking for the perfect partner to spend his drinks break with and will feature in a new media campaign from the brand as well as an on-pack promotion.
The promotion gives KitKat consumers the chance to win one of 50,000 thermochromic Joe the Mugs. Each has a face on one side and when hot water is added a message from KitKat is revealed on the other side. Consumers need to locate the code on the inside of each promotional wrapper and enter it online to see whether they've won.
A £1m media campaign supports the Joe the Mug activity, focusing on social and digital media. In addition, KitKat masterbrand advertising will be on TV and in cinemas as part of a £2.2m campaign. It is expected that 80% of the brand's target audience will see the ad at least six times.
Nestlé's latest activity taps into a huge opportunity for confectionery to tap into hot drinks consumption. The company says there are 12 billion coffee 'occasions' in the UK every year; yet only 3% feature confectionery.
Meanwhile, Cadbury has launched a new global brand platform, which takes it back to its roots, ie a family brand founded on generous principles. In a statement brand owner Mondelez said: "The new positioning will shine a light on the kindness and generosity that we see in society every day and facilitate moments of real human connection". Benazir Barlet-Batada, brand equity lead for Cadbury, explains: "In today's world it's easy to overlook those small moments of authentic human generosity, but actually they are happening all around us. We want to shine a light on these genuine acts of kindness and true moments of human connection that are occurring every day."The new £12m campaign includes TV, digital, social, PR, experiential and sampling activations. In addition, new out-of-home communications will include the famous Cadbury Dairy Milk glass and a half of milk icon with other positive symbols, such as a heart, smiley face and thumbs up. There's no Cadbury branding, it simply features the new Cadbury Dairy Milk tagline "There's a glass and a half in every one".
Share power
Sharing is another big trend in confectionery and Mondelez's Nash says: "Chocolate bags is the fastest-growing standard chocolate segment (IRI) and we are driving that growth through innovation. We have brought even more of our hero brands to the bitesize category, with the launch of Cadbury Fudge Minis, Cadbury Curly Wurly Squirlies and Cadbury Picnic Bites." She says all three brands are consumer favourites and their launch in bags is aimed at recruiting pre-family and younger families to drive penetration for the category.
Another Mondelez brand partnership has just entered the bitesize category Cadbury and Oreo with the launch of Cadbury Oreo Bites, which are small Cadbury pieces filled with a creamy and crunchy Oreo filling."
Cadbury and Oreo are global brands which have already proved to be successful together. For example, since its launch in 2012, Cadbury Dairy Milk Oreo has been a power co-brand which continues to grow (+16%). It is now worth almost as much as the Oreo biscuit brand in the UK £49m (IRI).
The Cadbury Oreo brand alliance will be supported by a £2.5m activation plan this spring including PR, digital, OOH activity and in-store activation.
Meanwhile, Lauren George, brand and trade PR manager at Mars Chocolate UK, says the rise in popularity of the 'Big Night In' is still relevant this year, with sharing packs still playing an increasingly key role in the confectionery market. Consumers are opting for larger formats to share everyday treats in company. And we are seeing large block and pouches continue to play a significant role in the confectionery category as more consumers look for better value. For retailers, maximising sales of these products is crucial to overall sales."
Meanwhile, Ferrero recently unveiled the wider roll out of its Kinder Bueno Mini Mix Box (rrp £2), after a successful trial period. Nielsen sales data reveals that Kinder Bueno Mini Mix outperformed competitors in the sector in terms of value, and was particularly popular among adult shoppers. The 97.2g boxes contain 18 mini chocs in Classic, White and Dark varieties. Boxes invite consumers to "Share a mini Bueno pleasure".
The darker side
Dark chocolate is an acquired taste but Nielsen data reveals that the category has seen consistent growth for the past three years and it's now worth £211m, accounting for 5.7% of total chocolate but 70% of the premium market. Premium chocolate is also in growth.
Green & Black's is a key brand in premium chocolate and last summer brand owner Mondelez launched the Velvet Edition range. Sitting alongside the Classic Green & Black's organic range, its aim is to make darker chocolate more accessible by giving it a smooth, velvety finish. The launch was backed by Green & Black's first-ever TV ad.
Now the upmarket brand is launching a 158g sharing carton of individually wrapped Pralines. Dark and milk chocolate varieties are available with the pralines containing a truffle filling, sprinkled with small pieces of hazelnut, with a whole hazelnut in the centre. Finally, if you're not already stocking any American chocolate then it might be time to start as it is selling rather well over here. Specialist confectionery wholesaler Hancocks reports that between 2016 and 2017 its American candy saw a 32.2% uplift in invoiced sales and a 37.2% increase in invoiced quantity.
Reese's and Hershey's dominate, with the top five performing products for Hancocks being Hershey's Cookies n Cream, Reese's Peanut Butter Cups, Reese's White Peanut Butter Cups, Reese's Big Peanut Butter Cup and Reese's Nut Bar. Hershey's Cookies n Cream held the top spot until this year when it was overtaken by Reese's Peanut Butter Cups with Hershey's chocolate products accounted for 36.36% of all invoiced American confectionery sales for Hancocks.
Cashing in on chocolate confectionery
Retailers looking to raise awareness and boost sales in store should ensure their core confectionery display is always merchandised in line with how a shopper navigates the fixture. So says Lauren George, brand and trade PR manager at Mars Chocolate UK. "In-store theatre and tactical use of POS material can drive additional sales, especially in high-footfall areas, and as more and more consumers are buying chocolate confectionery on impulse, retailers should maximise on this opportunity, she adds.
Of course, all the confectionery manufacturers offer advice on merchandising their products. Recommendations include:
Focus on getting the main confectionery display merchandised well, with strong availability of core singles lines;
Multi-face key singles lines this helps to ensure strong availability and attracts shoppers to make those all-important impulse purchases;
Ensure you use all POS available to you, such as dumpbins and counter units - these are guaranteed to raise awareness and generate impulse sales;
Site singles and bars alongside savoury snacks and drinks, to promote additional basket spend;
Have a range that covers all need states: singles, duos, tablets, sharing bags, gifting and seasonal;
Make the most of brand investment have displays in-store when consumers will be most aware of products due to advertising or other media investment;
Ensure prices are clear;
Where possible, take products out of their case
Source: Mars/Mondelez
Retailer view
"We sell an abundance of chocolate probably due to its placement and the fact that a lot of it sells for £1. Bags of Cadbury Buttons and Twirl Bites are our biggest sellers. We have them in a dumpbin next to the tills and they're often on at £1. Some people pick up six or seven bags at a time. They sell because they represent better value £1 for a bag versus 70p for a bar. Bigger bars of chocolate sell well too. We have a selection and usually some are on offer which makes them good value."
A more indulgent way to eat KitKat
KitKat is moving into a more indulgent, sharing format with the launch of Senses 20 individually-wrapped bite-size chocolates. There are three different flavours: hazelnut, double chocolate and salted caramel.
Each is a combination of KitKat chocolate and wafer with either a layer of praline and crunchy pieces of hazelnut (hazelnut), salted caramel filling with crunchy caramel flakes (salted caramel) or chocolate ganache and crunchy cocoa nibs (double chocolate). The boxes are available in two varieties: a mixed box which contains all three flavours; and a hazelnut only box. Both have an rrp of £3.99.
Nestlé says this new launch taps into the growing consumer trend for special and shared occasions with family and friends where the ideal confectionery offering should make a great gift for the host, as well as being good to share. The company believes current boxed chocolate brands under index with younger shoppers as they are typically used for more traditional gifting and appeal to older shoppers. However, it says a younger adult audience is keen to try something new and different "something visually inspiring that looks great on the table and therefore great on their Instagram feed".
The launch will be supported by a £7m campaign including new TV advertising starting at the end of the month and running until the beginning of June, as well as national sampling to drive trial and social media activity.
Retailers are advised to stock Senses alongside other boxed chocolates, specifically between cartons and after dinner mints.


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Used 2019 Dynamax DynaQuest XL 37BH
Save your favorite RVs as you browse. Begin with this one!
Great to buy from
We purchased a Winnebago RV from Dylan's last spring. Our salesperson Mark Major was really helpful and professional. This was our first RV and Mark spent a lot of time patiently educating us. We've taken our RV on a few trips now. Everything is working well - we love it. -
Thank You
Just came to Dylans rv service center and Dylan's couldn't have been more helpful. Found out my leveling jack motor was bad and they took care of the issue asap by ordering a new motor and will have the new one installed this week before my wife and I go camping. Dylan's also took care of other issues -
Highly Recommend
Just had our RV serviced. The experience was the best from the time we walked in the building. Job was completed when promised. The repairs were explained by our tech. This is definitely a top notch service center they care about the customer regardless of where you purchased your unit. They are always
Dylan's RV Center is not responsible for any misprints, typos, or errors found in our website pages. Any price listed excludes sales tax, registration tags, and delivery fees. Manufacturer pictures, specifications, and features may be used in place of actual units on our lot. Please contact us @856-228-0090 for availability as our inventory changes rapidly. All calculated payments are an estimate only and do not constitute a commitment that financing or a specific interest rate or term is available.
Manufacturer and/or stock photographs may be used and may not be representative of the particular unit being viewed. Where an image has a stock image indicator, please confirm specific unit details with your dealer representative.

subset: commoncrawl


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Jail guard Amara Brown admits to DoorDash delivery for inmate
Guard Amara Brown at Alvin S. Glenn Detention Center is charged with using DoorDash to deliver a meal to an inmate.
Discover the shocking truth about the New Mexico prison riot and the number of lives lost.
The deadly New Mexico prison riot that occurred on February 2, 1980, stands as one of the most brutal incidents in the history of American prisons. The violence resulted in the deaths of 33 inmates, along with the injury of dozens more. Dubbed the "Santa Fe Prison Riot," the tragic event left an indelible mark on the state's criminal justice system, triggering important changes to prevent such horrors from repeating. This article aims to provide insight into the causes, circumstances, response, aftermath, and implications of the New Mexico prison riot.
The causes behind the violent uprising at the Santa Fe prison complex were myriad, complex, and intertwined. At the time, the prison was severely overcrowded, understaffed, and poorly managed. Inmates were crammed into cells meant for a few people, sleeping on the floor or bunk beds with no personal space or privacy. Food quality and hygiene were also terrible, with reports of rotten or maggot-infested food, dirty kitchen conditions, and limited access to medical care or rehabilitative programs.
These deplorable living conditions and brutal treatment by guards led to profound anger and desperation among the inmates, many of whom were serving long sentences for serious or violent crimes. Rival gang factions inside the prison fueled tensions and created a power vacuum that would not go unnoticed. Rumors had been circulating among the prisoners about a planned escape attempt to protest the prison's abuses, leading to a mobilization of inmates that turned violent.
During the riot, inmates took control of the prison and held several guards hostage. They also set fire to parts of the facility, causing extensive damage and endangering the lives of everyone inside. The riot lasted for several days, with negotiations between the inmates and authorities eventually leading to a peaceful resolution.
The aftermath of the riot was devastating, with several inmates and guards injured or killed. The incident brought attention to the dire conditions in many American prisons and sparked a national conversation about the need for prison reform. It also led to changes in the Santa Fe prison complex, including increased staffing, better living conditions, and improved access to medical care and rehabilitation programs for inmates.
Several eyewitness accounts of the Santa Fe Prison Riot have been recorded, providing insight into the brutal chaos that unfolded that day. Prisoners used handmade weapons and tools to break out of their cells and attack guards and fellow inmates loyal to rival gangs. Fires were started throughout the facility as a diversionary tactic, and inmates were beaten, stabbed, or strangled.
One survivor, a former deputy sheriff named Larry Horn, was among the few civilians in the prison during the riot. He recounts hiding in a cell with other staff members as the violence raged on, listening to the screams and sounds of violence all around them. The National Guard and state police were called in to quell the unrest, but the situation remained tense and unpredictable for hours.
Another eyewitness, an inmate named Jose Martinez, described the riot as a result of long-standing tensions between rival gangs within the prison. He claimed that the prison administration had ignored warnings and failed to take action to prevent the violence from escalating. Martinez also reported that some guards had abandoned their posts during the riot, leaving inmates to fend for themselves.
After the riot was finally brought under control, the prison was left in ruins. Many inmates were injured or killed, and the facility was deemed uninhabitable. The incident sparked widespread outrage and calls for prison reform, as well as investigations into the causes and handling of the riot.
The response of law enforcement to the New Mexico prison riot was contentious, with criticism focused on the lack of preparation and training, insufficient resources and equipment, and poor communication and coordination among agencies involved. It took several hours for the National Guard to arrive at the prison, despite the warden's earlier request. A lack of radio communication further delayed response efforts, leading to uncertainty and confusion.
When the National Guard did arrive, they were under-equipped and under-trained, having received no specific training for dealing with prison riots. They remained outside the prison gates for several more hours, waiting for instructions from higher authorities. The delay allowed the riot to gain momentum, leading to the eventual loss of lives and mass destruction of the facility.
Following the riot, investigations revealed that the prison had been overcrowded and understaffed, with guards working long hours and often without proper training. In addition, the prison had a history of violence and unrest, with previous riots and incidents of inmate abuse.
The response to the riot sparked a national conversation about the need for better training and resources for law enforcement agencies, as well as the need to address the root causes of prison violence, such as overcrowding and understaffing. The incident also highlighted the importance of effective communication and coordination among agencies in emergency situations.
The aftermath of the Santa Fe Prison Riot was devastating for families and loved ones of the deceased and injured inmates. Many mourned the loss of their friends and family members, while others expressed anger and frustration at the prison's management and law enforcement's handling of the situation.
A group of families formed an advocacy organization called "Families Against the New Mexico Prison," demanding accountability and change from the state's criminal justice system. They called for better living conditions, adequate staff training and support, and greater transparency and communication with families and the public.
One of the families affected by the riot was the Hernandez family. Their son, Miguel Hernandez, was serving time for a non-violent drug offense and was killed during the riot. His mother, Maria Hernandez, spoke out about the need for prison reform and the impact of the riot on her family. "We lost our son because of the negligence and incompetence of the prison staff. We demand justice for Miguel and all the other victims of this tragedy," she said.
In response to the families' demands, the state government launched an investigation into the riot and the conditions at the Santa Fe Prison. The investigation found numerous instances of staff misconduct and inadequate training, as well as overcrowding and poor living conditions for inmates. The state has since implemented several reforms, including increased staff training and support, improved communication with families, and better living conditions for inmates.
The Rio Arriba County Courthouse became the site of a criminal investigation into the prison riot, where 15 inmates were ultimately charged with 33 counts of murder and convicted. The facility was severely damaged and had to go through a major reconstruction effort, costing millions of dollars. The state legislature launched a series of investigations, resulting in a report that revealed the dire conditions of the state's prisons, leading to substantial reforms to improve staff training, inmate programs, and infrastructure.
Additionally, the families of the victims of the prison riot filed a lawsuit against the state, claiming that the prison officials were aware of the potential for violence and failed to take appropriate measures to prevent it. The lawsuit was settled out of court for an undisclosed amount, but it brought attention to the issue of prison safety and accountability. The state also implemented new policies to improve communication between prison staff and law enforcement agencies, in order to prevent future incidents from occurring.
The Santa Fe prison riot brought the plight of the prisoners in New Mexico to light. Overcrowding, inhumane living conditions, gang violence, and poor management and staff support led to a perfect storm of violence. However, the state's response was lacking in more ways than one.
There was also a larger context to this issue. The United States had begun a draconian "get tough on crime" stance in the 1970s and 1980s, resulting in soaring imprisonment rates, deplorable prison conditions, and understaffed facilities. It was a time of social and political upheaval, and the strains on working-class Americans were particularly felt in the criminal justice system, where many poor and marginalized communities were left with limited support.
Furthermore, the privatization of prisons in New Mexico has exacerbated the problem. Private prisons are incentivized to cut costs and maximize profits, often at the expense of the well-being of the prisoners. This has led to even worse living conditions, inadequate medical care, and a lack of rehabilitation programs. The focus on profit over rehabilitation has also contributed to high recidivism rates, as prisoners are released without the necessary skills or resources to reintegrate into society.
The Santa Fe prison riot was not an isolated event. Throughout American history, there have been numerous prison riots that resulted in mass violence and death. Some notable examples include the 1971 Attica Prison Riot in New York, which resulted in the deaths of 43 people, and the 1993 Lucasville Prison Riot in Ohio, which led to the deaths of nine inmates and one guard. Now, it is vital to understand the complex causes of these riots, and work towards meaningful reform.
One of the main causes of prison riots is overcrowding. Many prisons in the United States are operating at or above capacity, which can lead to tension and conflict among inmates. Additionally, inadequate staffing and resources can exacerbate the problem, as inmates may feel neglected or mistreated by prison staff.
Another factor that can contribute to prison riots is the lack of access to education and rehabilitation programs. Without these resources, inmates may feel hopeless and trapped, leading to frustration and anger that can boil over into violence. By investing in education and rehabilitation programs, we can help reduce the likelihood of future prison riots and create a more just and equitable criminal justice system.
The Santa Fe prison riot led to important policy changes in New Mexico and across the country. It highlighted the need for more extensive staff training, better communication between agencies during emergencies, and greater transparency and accountability with the public. It also sparked discussions about criminal justice reform, with more investment in prisoner education and job training, improved conditions of confinement, and the consideration of alternatives to incarceration.
Furthermore, the New Mexico prison riot brought attention to the issue of overcrowding in prisons. Many experts argue that overcrowding is a major contributor to violence and unrest in correctional facilities. As a result, policymakers have been exploring ways to reduce the number of people in prison, such as through sentencing reform and diversion programs for nonviolent offenders.
Finally, the riot also shed light on the issue of mental health in prisons. Many of the inmates involved in the riot had mental health issues that were not adequately addressed by the prison system. This has led to calls for better mental health services and support for inmates, as well as increased training for prison staff on how to handle inmates with mental health needs.
The Santa Fe prison riot was widely covered by national and local media, with news footage and photographs of the devastation broadcast worldwide. However, media attention can be a double-edged sword, with sensationalism and bias often creeping into news reports, leading to inaccurate portrayals of prisoners and their grievances. Stigmatizing language and stereotypes can further exacerbate tensions between law enforcement and prisoners, perpetuating further cycles of violence.
In conclusion, the Santa Fe prison riot of 1980 was a devastating event that left 33 inmates dead and dozens more injured. It exposed the failings of New Mexico's prison system and highlighted the need for meaningful reforms across the criminal justice system. It is crucial to learn from the past and work towards a better future, one that values both public safety and the humanity and dignity of those behind bars.
Guard Amara Brown at Alvin S. Glenn Detention Center is charged with using DoorDash to deliver a meal to an inmate.
Ali Miles, a trans woman, sues NYC for $22 million, alleging mistreatment and discrimination after being placed in a male prison.
South Dakota lawmakers explore shifting responsibility for inmate legal defense fees from counties to the state.


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2019 SEAPAX Logo Design Challenge Vote
Thank you to all the creative individuals who submitted logo designs. We received some really great designs.
We now invite all SEAPAX members to vote for their favorite logo here. Voting ends Friday, Feb. 22nd at 5 PM. The winning logo will be announced at our Peanut Stew Cook-Off on Feb. 23rd (so please come to this event, details below), and thereafter in our newsletter and social media platforms.
We hope to have merchandise with the winning logo ready for purchase in the near future as well, so stay tuned!
Paraguayan Rug to be Auctioned Off at Peanut Stew Cook-Off
SEAPAX plans to host a silent auction for a Paraguayan rug at our Peanut Stew Cook-Off event (Feb 23rd, details below). All proceeds will be donated to SEAPAX's grant program. Rug details:
The rug will be on display at the Peanut Stew Cook-Off, so, if you are interested, please come prepared with credit card and/or cash. If you would like to bid on the rug, but are unable to attend this event, please let us know by email.
Monthly Calendar
2/6 1st Wed HH, Canterbury Ales, Seattle 2/12 2nd Tues Arts and Cider, Schillings Cider, Seattle 2/20 3rd Wed HH, Coindexter, Seattle 2/23 Annual Peanut Stew Cook-off 2/28 WWU PC Fair, Bellingham
Happy Hour
1st Wednesday HH: Join us next month on 2/6 for the monthly Pub Quiz at Canterbury Ales in Cap Hill, 534 15th Ave E at 7 PM. Don't fear the quiz, show up for a good time. Second Tuesday Arts & Cider: 2/12 from 6-9 PM at Schillings Cider House in Fremont. Schillings does not have food, but you can bring your own. 708 N 34th St This month, let's have some fun with watercolors, glitter glue and crayons.
3rd Wednesday HH: 2/20 5-8 PM. We are heading to Coindexter's. They have a great happy hour and pinball so come join us. 8556 Greenwood Ave N, Seattle. RSVP before noon the day of the event on Facebook or email so we can get enough seats. Always looking for new places for a crowd so email your suggestions.
Book Club
Next meeting is April 7th, 3-5 PM. The Girl Who Smiled Beads: A Story of War and What Comes After by Clementine Wamariya and Elizabeth Weil @ Honey at Alma Mater 1322 Fawcett Ave, Tacoma.
SEAPAX Calendar and Note Card Sale
Take advantage of discounted 2019 calendars, now $8! Also on offer are perpetual calendars (great for keeping track of birthdays and other special annual events), and note cards.
All items will be available at upcoming events and board meetings. You can also order through the website or email. $8 for international calendars, $8 for note card sets, and $10 for perpetual calendars.
Peace Corps Connect
Register now for June 20-22, 2019 at Peace Corps Connect 2019: Innovation for Good. Returned Peace Corps Volunteers, current and former staff, applicants, invitees, and friends of the Peace Corps from across the country will gather in Austin, TX to connect at the intersection of creativity and impact.
Calendar Look Ahead
3/21 Eats Out, Capitol Hill 4/7 Book Club, Honey at Alma Mater, Tacoma 6/28-30 Annual Camp Out, Lopez Island
Top Up Contributions
We have new Top Up guidelines. Please visit the website and let's keep on the giving path. Small Grants are available for local or international projects.
Apply for Grants
Ask non-profits in your network if they need a small grant and encourage them to apply! Check out the details and applications on the SEAPAX website under the Grants tab.
SEAPAX Peanut Stew Cook-off
Inuwali! Ayeko! Nanga def! Seapax's annual Peanut Stew Cook Off is back! It is arguably one of the most popular dishes across West Africa, so come out and show your cooking skills or simply enjoy a new cuisine!
The event is Sat., Feb. 23rd 12-3 PM at a private residence. You must RSVP through email or the website to get the address. Bring a peanut stew dish, veggies, drinks, desserts or anything else you would like to eat. It may be possible to reheat dishes and additional rice can be made as needed. All RPCVs and guests are welcome, no peanut stew experience needed!
SEAPAX Service Update
Many thanks to those of you (including those not pictured) who came out to volunteer with us at the Hillside Paradise Community Garden in Kent for 2019 MLK Day of Service! This group showed up ready to work and jumped right in to help support this great community.
Additional opportunities: World Relief Seattle does amazing work within the refugee and immigrant communities. If you were unable to attend our recent event or are looking for other ways to get involved, you can find their opportunities HERE.
There are also many volunteer opportunities offered through United Way King County listed on their website linked HERE.
Do you belong to or know of another community or organization that we can help? Have you come across an amazing volunteer opportunity that you want to share? Please send any ideas for upcoming service opportunities to Josh and Andrea at firstname.lastname@example.com.
Be on the lookout for other SEAPAX service events happening this year!
SEAPAX Advocacy Update
The National Peace Corps Association's (NPCA) Action Day on The Hill will be on Feb. 28th in Washington DC. This is an opportunity for RPCVs to meet with our representatives in the Senate and House to explain Peace Corps' mission, our own experiences abroad, and how we have used the skills we gained as volunteers now that we are home. NPCA organizes it all: office visits, talking points, and ways to lobby for increased budgets and legislation to enhance volunteers' experiences. For more information visit www.peacecorpsconnect.org or contact Beth Ahlstrom at (253) 651-4528. This is an excellent way to give back to Peace Corps.
WWU PC Around the World Festival
Seeking table representatives for the annual Peace Corps Around the World Festival on Feb. 28th, 2-3:30 PM (you can arrive at 1:30 PM to set up), at Miller Hall Collaborative Space, WWU. Also seeking participants in a panel discussion from 4-5 PM in COMM 227. Email Jill MacIntyre Witt if interested.
This email was sent by: Seattle Area Peace Corps Association (SEAPAX) PO Box 77712 - Seattle, WA, 98177
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Congress's traditional tools to enforce its subpoenas are either symbolic or archaic. Refusing to comply with a congressional subpoena is a federal crime, but no one expects Trump's Justice Department to prosecute Trump-administration officials for defying Democrat-controlled committees. The House can file a federal lawsuit to enforce a subpoena, but those cases can take years to resolve. In an earlier era, the House might have dispatched its sergeant-at-arms to arrest a subpoena scofflaw, but that option hasn't been used in more than a half century.
Realistically, the House will not lock any administration official in jail anytime soon. What it can do is force federal agencies to shutter their doors on October 1, when the federal government's fiscal year 2019 budget expires. Or the House could up the ante and refuse to raise the debt ceiling, in which case the federal government's fiscal slack will likely run out in September or October. Unless both chambers of Congress vote to lift the debt cap, the United States will default.
Some House Democrats realize they can capitalize on these looming deadlines. Representative Adam Schiff of California suggested last month that House Democrats might tie funding for federal agencies to compliance with congressional subpoenas. A bolder move would be to add the debt ceiling to the pot. House Democrats might tell Trump: Cooperate with reasonable oversight demands, or out go the lights come autumn.


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Some time ago I was writing about counting orders in a seperate article entitled "Counting orders in the order board". I would like to return to this topic in context of references, which I described in a separate entry.
The code from the previous article is correct and works as intended. But in case we want to count the exact number of orders of each type in the order board, the use of the previous code will make our code less efficient. This problem can be solved using the following function:
int countOrdersByRef(int oMagic, int& all, int& buy, int& sell, int& buystop, int& sellstop, int& buylimit, int& selllimit) { all=0; buy=0; sell=0; buystop=0; sellstop=0; buylimit=0; selllimit=0; for(int i=0;i<OrdersTotal();i++) { if(OrderSelect(i,SELECT_BY_POS)) { if(OrderMagicNumber()==oMagic) { if(OrderSymbol()==Symbol()) { all++; if(OrderType()==OP_BUY) buy++; if(OrderType()==OP_SELL) sell++; if(OrderType()==OP_BUYSTOP) buystop++; if(OrderType()==OP_SELLSTOP) sellstop++; if(OrderType()==OP_BUYLIMIT) buylimit++; if(OrderType()==OP_SELLLIMIT) selllimit++; } } } } }
We use it in this way:
int cAll; int cBuy; int cSell; int cBuyStop; int cSellStop; int cBuyLimit; int cSellLimit; countOrdersByRef(magic,cAll,cBuy,cSell,cBuyStop,cSellStop,cBuyLimit,cSellLimit); // after that we use these declared variables if(cBuy>0.....) { .... }
A short explanation of the function body:
- Zeroing is necessary, because passed variables may have non-zero values, so their incrementation would produce incorrect values, which would result in numbers that are different from the true board order state.
- You may ask why we should use a function when we can put such loop directly into start function body. Of course, it can be done, but this way is more elegant and helps to reuse code in future projects – we just copy the entire function without playing with code fragments.


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"Circe" Completed
As usual, I began the coloring phase with the background. Then the surrounding elements, namely the flowers. Then I painted Circe, and finally, the lion. I have many cats at home and am a huge fan of long hair, fluffy cats in particular, so once I got started on the lion, I had so much fun with him. After laying down the foundation colors and some shadows/darks, I went over putting down the individual strand of long fur in lighter colors. As his mane grew fluffier, I felt happy -- the same simple joy I feel when I'm brushing my long hair cats. XD After painting this piece, I'm even more tempted than ever before to give one of my orange and white Maine Coon mix a 'lion cut'. (I probably never will out of respect for the cat, but I'd love to see him with that haircut just once... maybe in the peak heat of summer. XD)


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The following is a brief introduction to the topic:
Are you struggling to get traffic to your website or online business? Look no further than Udimi. Udimi connects you to solo ad providers that can drive targeted traffic to your site. With Udimi, you can rest assured that your ads will reach the right audience, increasing the likelihood of conversions and sales. In this article, we will explore what Udimi is, how it works, and the benefits of using this platform to boost your online presence. Let's discover Udimi and its power!
Explanation of Udimi as a platform for buying and selling solo ads
Udimi is a platform that connects buyers and sellers of solo ads. Solo ads are emails that sellers send to their list of email subscribers on behalf of buyers. Udimi is a platform that allows buyers to easily find trustworthy sellers, and sellers to display their email lists. Udimi verifies all sellers on their platform, ensuring that they have high-quality email lists and that their emails comply with Udimi's strict anti-spam policies. Buyers can also filter sellers based on their niche and target audience, making it easy to find the right seller for their product or service. Overall, Udimi is a reliable and convenient platform for buying and selling solo ads.
Importance of Udimi for online marketers
Udimi is a must-have tool for online marketers who are looking to boost their email marketing campaigns. With Udimi, marketers can easily find high-quality solo ads that will help them reach their target audience. The platform provides a safe and effective way to buy and sell solo ads, ensuring that marketers get the best value for their money. Udimi offers advanced analytics and tracking tools that allow marketers to track the success of their campaigns. They can then make informed decisions. Udimi, as a whole, is a must-have tool for online marketers who want to optimize their email marketing and succeed in the competitive digital marketing world.
Learn How Udimi Works.
Udimi, an online marketplace, connects buyers and sellers of solo advertisements. It works by allowing buyers to browse through a list of sellers and their reviews, and then selecting the best fit for their needs. The buyer then purchases a set number of clicks on the seller's list. The seller sends an email to his list to promote the buyer's offers. Clicks are tracked in order to verify that the agreed number of clicks was delivered. Udimi also provides protection for buyers by holding the payment until the clicks are confirmed. Overall, Udimi is a great platform for those looking to buy or sell solo ads in a safe and reliable way.
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Udimi connects buyers with sellers of solo advertisements, which are emails sent to the email list of a seller. The process of buying and selling solo ads on Udimi is straightforward and secure. You can search for sellers based on ratings and reviews, as well as their niche. You can buy a seller's solo ad using Udimi, if you like them. You can set your own price for your solo ads as a seller. Udimi has a feature that allows sellers to screen buyers and ensure they are a good match for the offer. Overall, Udimi provides a user-friendly platform for buying and selling solo ads, making it an excellent choice for anyone looking to expand their email marketing.
Explanation of Udimi's unique features, such as its rating system and buyer protection
Udimi, a popular platform to buy and sell solo ads. Its unique features include a rating system and buyer protection, which help ensure a safe and reliable transaction. Buyers can rate and leave feedback on the quality of the solo advertisement they received. This helps other buyers make informed decisions when choosing a seller. Udimi also offers buyer protection, which means that if a seller fails to deliver the agreed-upon number of clicks, the buyer will receive a refund. It gives buyers the peace of mind that they will get what they pay for. Udimi is a trusted platform to buy and sell solo ads because of its unique features.
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Udimi offers many advantages to buyers of solo ads, including a large selection of sellers who are reputable and a secure system for payment.
Udimi is a great platform for buying solo ads due to the numerous advantages it offers. Access to a large number of sellers who are reputable is one of the biggest benefits. This means that you have a wide range of options to choose from when selecting a seller, ensuring that you find the right one to meet your needs. Additionally, Udimi has a secure payment system that ensures your transactions are safe and protected. You can be sure that your money will not be stolen and is in safe hands. Udimi offers a good platform for purchasing solo ads. It's not hard to understand why so many people use it.
Udimi solo ads have many benefits, including the ability to reach large audiences and earn money from home.
Selling solo ads on Udimi is a great way to make money from home. Udimi gives you access to a wide audience of buyers looking to drive high-quality traffic their website or offer. This means that you can earn money by selling your solo ads to these buyers, without ever having to leave your home. Plus, by using Udimi, you can be sure that you're reaching a targeted audience who are interested in your niche, which can help to increase your sales and profits. So if you're looking for a way to earn income from home, selling solo ads on Udimi can be a great option to consider.
Proven Strategies for Utilizing Udimi
There are some tips to keep in mind when using Udimi. Choose sellers who have high ratings and reviews. You will receive a high-quality audience for your offer or website. Second, be clear about your targeting preferences and budget to avoid wasting money on irrelevant clicks. Third, closely monitor your campaigns and make adjustments as necessary to get the best results. Lastly, take advantage of Udimi's tracking tools to measure your success and make data-driven decisions. By following these tips, you can effectively use Udimi to grow your online presence and achieve your marketing goals.
Advice for buyers on how to choose the right sellers and maximize their return on investment
There are some things you should keep in mind when choosing the best sellers on Udimi to maximize your return. Take the time to read reviews of previous buyers and research the seller. This will give you an idea of their reputation and the quality of their traffic. Second, you should be very clear about what your goals are and who your target audience is so that you find a seller that specializes in the niche. Don't hesitate to communicate and ask questions with the seller prior to making a purchase. You will be able to establish a good relationship with the seller and get the best return on your investment. By following these tips, you can choose the right seller on Udimi and get the results you need for your business.
Sellers can use these tips to build an effective campaign and a good reputation on Udimi.
To create effective ad campaigns and build a strong reputation on Udimi, sellers should first focus on crafting compelling ad copy that resonates with their target audience. To attract potential buyers, sellers should highlight the unique features of their products and services. They can also use attention-grabbing headlines or images. Sellers should also be transparent about their pricing and delivery times, and strive to provide excellent customer service throughout the buying process. By consistently delivering high-quality products and services, sellers can build a positive reputation on Udimi and attract more repeat business and referrals. Udimi offers sellers a variety of analytics and targeting tools that they can use to optimize their campaigns and refine them over time.
Users of Udimi Share Their Achievements
Udimi helped many users reach their marketing goals, and grow their business. A user was having trouble getting traffic to his website. They found Udimi and decided to give it a try. After purchasing a solo ad, they saw a significant increase in traffic and even got a few sales! Another user shared how Udimi helped them build their email list. The user purchased a few single ads and was able to add hundreds to their email list. Udimi users can achieve success with their online marketing campaigns by following these examples.
Real-life examples of marketers who have achieved success using Udimi for their solo ad campaigns
Udimi has been a successful platform for solo ads. Many marketers have had great success with it. John Crestani is one of these marketers. He used Udimi for his affiliate marketing course and generated more than $300,000. Giovanni Rigters used Udimi for his book about cryptocurrency, and achieved a 50% rate of conversion. These stories demonstrate the power of Udimi in reaching targeted audiences, and achieving high rates of conversion. Udimi can be a great tool to help boost your solo advertising campaigns.
Udimi customer testimonials
Udimi is one of the most popular platforms for buying and selling solo ads. As a solo ad marketplace, it has helped many people to grow their businesses by providing them with the right traffic. The platform has received many positive testimonials from satisfied customers who have used Udimi to buy solo ads. Customers have praised the quality of traffic provided by Udimi, as well as the great customer support and easy-to-use platform. Udimi is a great tool for entrepreneurs who want to grow their business. It has also helped them increase sales.
Ending Thoughts
In conclusion, Udimi is a powerful tool for anyone looking to expand their online reach and generate quality traffic to their website. Udimi is a cost-effective and reliable way for affiliate marketers and business owners to increase their online presence and reach their target audience. With its user-friendly interface and extensive network of trusted sellers, Udimi is an excellent choice for anyone looking to boost their online traffic and grow their business. Why wait? Sign up for Udimi today and start driving traffic to your website!
Key advantages of Udimi for online marketers – A Recap
Udimi is an essential tool for online marketers, providing a platform for buying and selling solo ads. With Udimi, marketers can easily connect with high-quality solo ad vendors who can help them reach a wider audience and increase their website traffic. Udimi offers a range of benefits to marketers, including the ability to easily search for and find vendors, track clicks and conversions, and manage campaigns. Additionally, Udimi provides a safe and secure platform for both buyers and sellers, helping to ensure that all transactions are fair and transparent. Whether you're a seasoned marketer or just starting out, Udimi can help you take your online marketing efforts to the next level.
Udimi: Final thoughts about the benefits of buying and selling ads using Udimi
In conclusion, Udimi is an excellent platform for both buying and selling solo ads. It has many features that make it simple to use. For example, you can filter sellers based on ratings and niche. Udimi offers buyers a secure and safe environment in which to buy high-quality traffic. On the other hand, sellers can benefit from Udimi's vast network of buyers, ensuring that their solo ads reach a wider audience. Overall, Udimi provides a valuable service for anyone looking to buy or sell solo ads, and I highly recommend it to anyone in the digital marketing space.
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In the previous blog, we discussed how to perform subdomain enumeration and enumerate services on these subdomains. In this blog, we'll see the next part of performing successful recon.
Directory bruteforcing is the act of guessing valid directories/files in the target web server. Sometimes it's possible to get some interesting pages (such as admin panel, backup/log files, env file, unauthenticated dashboard, etc) through directory bruteforcing. For performing directory bruteforcing, we need a list of interesting endpoints i.e. wordlist. We can use assetnote or trickest wordlists.
We're going to use ffuf for performing directory bruteforce.
1ffuf -c -w files.txt -u https://target.com/FUZZ 2
Directory bruteforcing is pretty helpful to find out interesting endpoints in the target server. However, it's a part of active recon and causes lots of noise in the web server which can trigger the WAF and block us.
An alternate way of directory bruteforcing would be fetching URLs from public archives such as Wayback Machine, AlienVault's Open Threat Exchange, Common Crawl, etc. These archives crawl the web and store the endpoints which can be viewed later.
In this section, we'll talk about 3 different tools that will fetch URLs from public archives and give us the output.
Waybackurls is a command-line tool for fetching URLs from the Wayback Machine (archive of websites that contains over 858 billion web pages). Sometimes, you can find some juicy information from waybackurls such as passwords, PII data, API keys, etc. We can either use the command-line tool https://github.com/tomnomnom/waybackurls or directly browse the URL: http://web.archive.org/cdx/search/cdx?url=*.target.com/*&collapse=urlkey&output=text&fl=original
Since the number of URLs is quite big, we can search for the below keywords to extract sensitive information:
1password 2secret 3token 4access 5pwd 6api 7.json 8=http [For SSRF/open redirection] 9=%2F [For SSRF/open redirection] 10=/ [For SSRF/open redirection] 11email= 12@ 13ey [For JWT tokens] 14.txt 15aws 16admin 17.js 18config 19dashboard 20oauth 21sql 22
These are some common keywords you can search for to extract sensitive data from waybackurls. During your testing, if you encounter some endpoint that reveals juicy info about your account (for example invoices, billing info, etc), you can search for the endpoint in waybackurl to check if you're able to access other users' data. For instance, if https://target.com/orders/1aq0b2chy9qar3w84chfr7ju5poa6
shows the order info of your order, you can search for the keyword target.com/orders/
to check if other similar endpoints are logged in Wayback machine.
Gau is a similar tool that fetches known URLs from AlienVault's Open Threat Exchange, the Wayback Machine, Common Crawl, and URLScan.
1printf target.com | gau 2
You can search for the same keywords after gathering the URLs. Also, there are multiple one-liners which will make your work easier. For example, if you want to get the JS files from gau and look for sensitive info inside it, you can use httpx and nuclei for this:
1echo target.com | gau | grep ".js" | httpx -content-type | grep 'application/javascript' | awk '{print $1}' | nuclei -t nuclei-templates/http/exposures/ 2
You can find more such one-liners here
As per the official repository, the difference between Waymore and other tools is that it can also download the archived responses for URLs on wayback machine so that you can then search these for even more links, developer comments, extra parameters, etc.
1python3 waymore.py -i bugbase.in -mode U 2
Sometimes, it's possible to get some hidden parameters in some endpoint which may lead to further attacks such as cross-site scripting, SSRF, open redirection, etc. Generally, it's recommended to look for hidden parameters in pages where there are some kind of forms. For example, during one of my pen tests, I used arjun for parameter bruteforcing on a signup page. It gave me a parameter referral
which was vulnerable to XSS.
1arjun -u https://bugbase.in/register -m GET,POST 2
Additionally, ffuf or param-miner can also be used for parameter bruteforcing.
Dorking involves using advanced search queries to find sensitive or hidden information on web applications. In this section, we'll discuss about Google Dorking and GitHub Dorking.
Google Dorking is the art of using advanced search queries in Google to search for specific keywords, file types, or parameters. Sometimes, developers expose sensitive endpoints (admin panel, log files, etc) to the internet which are later crawled and indexed by Google. We can use advanced search queries from GHDB or Bug Bounty Helper to find such sensitive pages.
Many times, developers of the company accidentally push sensitive information into the GitHub repository. We can try to find out this information using GitHub dorks. Here are some keywords that we can search for:
1PASSWORD 2PWD 3KEY 4API 5TOKEN 6ACCESS_TOKEN 7SECRETKEY 8CLIENT-SECRET 9CLIENT_SECRET 10SECRET email@example.com 12DEV 13PROD 14JENKINS 15CONFIG 16SSH 17FTP 18MYSQL 19ADMIN 20AWS 21DASHBOARD 22BUCKET 23ST NO 24CVV 25GITHUB_TOKEN 26=http 27OTP 28OAUTH 29AUTHORIZATION 30LDAP 31INTERNAL 32language:sql 33language:json 34language:txt 35
All we need to do is search for these keywords in GitHub after "target.com"
. For example, to look for passwords, we can search "target.com" password
or "target.com" pwd
in GitHub. We can also use GitDorker to automate the entire process.
P.S: Make sure to verify the credentials found from GitHub before reporting.
Aquatone is a tool for the visual inspection of websites across a large number of hosts and is convenient for quickly gaining an overview of the HTTP-based attack surface.
Let's say, you have a list of 1000 subdomains. Of course, you can't go through each of them one by one. Here comes Aquatone handy. It will take the list of subdomains, scan for popular ports that are often used by HTTP services, and take a screenshot of the resolved webpage. Additionally, it will generate a report that will allow us to view the targets in a list or in a graph view. We can look at which pages are identical and which aren't. We can explore the headers returned for each endpoint and much more stuff.
1cat http.txt | aquatone 2
Finally, we're going to use nuclei for scanning vulnerabilities on all the subdomains.
1nuclei -l http.txt -t nuclei-templates/ -severity critical,high,medium,low 2


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Hi, Since Substance Painter add-on is available for Blender, we have noticed it bugs on loading textures from the correct textures' path.
Blend.file with SBSAR textures already configured in it tend to be lost.
At the beginning of your work with a blend.file, everything is fine, but the more you work in your project, the more the add-on tends to "forgot" or tend to get "confused" with the PATHS and the RELATIVE PATHS.
Like if the add-on's loading process loses the project relative path of the blend.file and then loads systematically from the SBSAR Library Textures path....
It is an absolute nightmare to lose the materials you've configured.
As a non-coding user, I read in the community there might be a coding issue in the add-on since latest Blender updates have some API changes...
I deplore not being able to indicate manually in the add-on preferences my specific project path and folder yet.
Is there any alternative ?
Thank you.
Have something to add?


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Today's news coverage leads on the Hammers' acquisition of former Paris St Germain and AS Monaco forward Nene, who has signed on a deal until the end of the season.
The story features in the Mail Online, BBC and Guardian.
The Daily Mirror clarifies a story from yesterday, where they claimed that the manager had held a 'crunch meeting' with Joint-Chairman David Gold, by making clear it was, in fact, a routine Board meeting.
In the Mail Online, Andy Carroll's Instagram pictures of his knee following surgery are featured in this story.
The same newspaper claims West Ham are one of several Clubs tracking Fiorentina defender Micah Richards.
Finally, the Daily Star say that Chelsea retain an interest in Enner Valencia after reportedly making enquiries in January.
The views on this page are taken from the local and national media and do not necessarily reflect the views of West Ham United


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Sensors for Industrial Applications
A range of sensors are available with or without a datalogger. We are able to offer our standard range of meteorological sensors with choices of output to suit the installation, ie 4-20mA, 0-1 volt, 0-5 volt, etc.
Meterological and biological instrumentation including dataloggers and microclimate sensors.


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Being notified of what's going around you increases your awareness and subsequent reaction time to trending events. Windows 10 happens to bring this feature to the forefront as a functionality to keep its users in the know with regards to their social environment and the laptop. Action center is Windows 10's platform for bringing in all notifications for your apps and the web. This can become a hindrance during a presentation when on your laptop using Screen Mirroring. This tutorial will show you how to turn off notifications on your laptop running Windows 10.
1. Power up and log-In to your Windows 10 laptop.
2. Click on Start>Settings.
3. Navigate to System>Notifications & Actions.
4. This will bring up options pertaining to Action Center.
5. On the right hand pane you should see a heading for Notifications.
6. Below this you should see a toggle switch for each:
Get notifications from apps and other senders
Show notifications on the lock screen.
Show alarms, reminders and incoming VoIP calls.
Hide notifications when duplicating my screen.
Get tips, tricks and suggestions as you use Windows.
7. Turn each of them off or as necessary to stop notifications from coming through. If you don't want to turn off all of them, you can gain granular control simply y scrolling down further and locating each of the apps installed on your laptop that feed notifications to Action Center. Clicking on the app will reveal toggle switches and subsequently allow you to turn off notifications for that app.
You have now successfully turned off notifications for Windows 10 on your laptop.


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About Ellen Bass
Ellen Bass is an American poet, essayist and scholar born in Philadelphia in 1947. She is known, among other things, for her defense of women and children victims of abuse and LGBT victims of discrimination. She began to write poetry in the 1970s, but it was with her essays and collection of testimonies taking up the cause of victims of pedophiles, homophobia and women victims of violence that she became to know. Gradually she became a figurehead of feminism. The themes of feminism, mistreatment in its various forms, intolerance towards homosexuals and ecology, underpinned by a deep humanism run through all of her work.Bass's most recent collection, Indigo, was published by Copper Canyon Press in 2020 which was a finalist for The Paterson Poetry Prize, The Publishers Triangle Award and The Northern California Book Award. Her other poetry books include Like a Beggar which was a finalist for the Paterson Poetry Prize, the Publishing Triangle Award, the Milt Kessler Poetry Award, the Lambda Literary Award, and the Northern California Book Award, The Human Line, and Mules of Love. Her poems appear frequently in The New Yorker, American Poetry Review, and many other journals. Among her awards are Fellowships from the Guggenheim Foundation, The NEA, and The California Arts Council, The Lambda Literary Award, and three Pushcart Prizes. She co-edited the first major anthology of women's poetry, No More Masks!, and her nonfiction books include the groundbreaking The Courage to Heal: A Guide for Women Survivors of Child Sexual Abuse and Free Your Mind: The Book for Gay, Lesbian and Bisexual Youth. A Chancellor of the Academy of American Poets, Bass founded poetry workshops at Salinas Valley State Prison and the Santa Cruz, California jails, and teaches in the MFA writing program at Pacific University.
Browse all poems and texts published on Ellen Bass


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U.S. Banks are Paying Higher Interest on Savings and CD Accounts
After years of earning next to nothing, depositors are discovering a trove of higher-yielding options like Treasury bills and money market funds .
Mar. 06, 2023
By Alexandra Harris, Caleb Mutua, and Paige Smith.
Bloomberg News
U.S. banks are being forced to do something they haven't done for 15 years: fight for deposits.
After years of earning next to nothing, depositors are discovering a trove of higher-yielding options like Treasury bills and money market funds as the Federal Reserve ratchets up benchmark interest rates. The shift has been so pronounced that commercial bank deposits fell last year for the first time since 1948 as net withdrawals hit $278 billion, according to Federal Deposit Insurance Corp. data.
To stem the outflows, banks are finally starting to lift their own rates from rock-bottom levels, particularly on certificates of deposit, or CDs. More than a dozen U.S. lenders, including Capital One, are now offering an annual percentage yield of 5% on CDs maturing in around a year, a rate that would have unspeakably high two years ago. Even the big banks are feeling the heat. At Wells Fargo & Co., 11-month CDs now pay 4%.
The jump in rates on CDs and other bank deposits has been a boon for consumers and businesses, but it's a costly development for the U.S. banking industry, which is bracing for a slowdown in lending and more writedowns, says Barclays Plc analyst Jason Goldberg. And for smaller regional and community banks, losing deposits can be serious and weigh heavily on profitability.
"There are challenges ahead for banks," Goldberg said. "Banks reflect the economy they operate in, and most forecasts call for slowing GDP growth and increasing unemployment."
The very biggest banks can afford to slow-walk their rate increases, simply because they still have relatively high deposit levels. Overall, the average rate on a one-year CD is roughly 1.5%. That's up from 0.25% a week before the Fed began raising rates a year ago, but still well below inflation. After a year of record profits, the foot-dragging has earned banks plenty of ire from politicians globally.
Nevertheless, banks are feeling more pressure to boost rates, which will raise funding costs and crimp profit margins. According to Barclays, the median large-cap bank can expect growth in net interest income, a measure of lending profits, to slow to 11% this year, from 22% last year.
JPMorgan Chase & Co. Chief Executive Officer Jamie Dimon made clear that some institutions will feel pressure on the firm's earnings call in January: "Banks are competing for the capital, money, now. We've never had rates go up this fast."
For depositors, CDs have been popular because they tend to offer the highest rates. For banks, they're a way to lock up funding for a set period of time, unlike checking or savings accounts.
Rising CD rates have led to huge growth in sales of the product: CDs outstanding totaled $1.7 trillion in the U.S. banking industry in the fourth quarter, up from $1.49 trillion in the third. That's the biggest quarterly jump in at least two decades, according to S&P.
"The money really woke up in the late summer — banks felt pressure to really catch up on funding in a big way," said S&P Global analyst Nathan Stovall. Boosting rates on CDs is one key way to do so, he said.
CDs are just one piece of how banks fund themselves, but funding costs are broadly rising as the Federal Reserve hikes rates. The pressure is also evident in the fed funds market, where banks lend to one another for short periods. Rates there have risen to the highest since November 2007, and trading volume has reached seven-year highs. The three-month London interbank offered rate for dollar, a major global lending benchmark, surpassed 5% for the first time in more than 15 years on Monday.
When the Fed boosts rates, banks usually get higher lending income quickly, as the rates on the loans they've made reset to higher levels. They can be slower to boost payments to depositors. The rising income and lagging growth in expenses mean that banks can see their net interest income soar, as happened last year.
Net interest income last year for the U.S. banking system was $632.9 billion, up 20% from the year before, according to the Federal Deposit Insurance Corp.
The lenders getting hit hardest by rising funding costs are community and smaller regional banks, said Arnold Kakuda, a bank credit strategist at Bloomberg Intelligence.
The largest U.S. banks, and major regional lenders, can often borrow more in bond markets globally when they lose deposits. But smaller regional banks and community lenders have fewer options, and often have to win more deposits or get more funding from the Federal Home Loan Banking System.
The biggest banks probably won't need to change their bond issuance plans, but bigger regional banks, like U.S. Bancorp and Truist Financial Corp., may need to borrow more in bond markets, according to BI. Kakuda estimates they may have to sell as much as $10 billion to $15 billion for each of the next few years, but that funding should be manageable for them.
On the asset side of bank balance sheets, loan growth has continued as the U.S. economy manages to avoid a meaningful slowdown. Those loans need to be funded, and deposits are a key source of financing for banks.
A recent Fed survey hinted at strategies banks may be using to recoup lost funds as financing pressures increase. In the questionnaire, financial institutions reported that they would borrow in unsecured funding markets, raise brokered deposits or issue CDs if reserves were to fall to uncomfortable levels. A large majority of domestic banks also cited borrowing advances from Federal Home Loan Banks as "very likely" or "likely."
Ultimately, banks will probably have to continue raising deposit rates as they compete with other kinds of investments that provide more yield, according to Jan Bellens, a global banking and capital markets sector leader with Ernst & Young.
"Banks will just have to pay more for deposits," he said. "Customers will start to gradually move deposits if they are no longer happy with the rates they get, and that's why the banks are very keen to lock in consumers with CD products."
(With assistance from Max Reyes.)
©2023 Bloomberg L.P. Visit bloomberg.com. Distributed by Tribune Content Agency, LLC.


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From lump-share gift ideas, a giant benefit of 529 arrangements is that around special legislation book to help you 529 agreements, anybody helps make one lump-share provide to a 529 bundle as high as $75,one hundred thousand and married people produces a mutual present to $150,100000 (that is 5 times the yearly gift taxation exception to this rule) and avoid federal gift income tax. To do this, a new election must be designed to reduce the provide while the if it have been made inside equal payments more than an excellent five-seasons period, with no extra merchandise can be made into the recipient throughout this time.
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Grand-parents normally unlock an excellent 529 account and you can label a granddaughter given that a recipient (only one person might be noted due to the fact membership manager, though) or they could subscribe to a currently established 529 account. Grandparents can also be lead a lump sum payment in online title loans no inspection Nevada order to a good grandchild's 529 account, or they may be able lead faster, normal number.


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Women Share The Silly Things They Cried Over While Pregnant And It Hits Way Too Close To Home
There's no doubt that pregnancy is a beautiful thing, but let's face it, it can get a bit messy sometimes. The first trimester is particularly difficult for women because hormones are changing rapidly. Estrogen and progesterone are skyrocketing, which means you can be super happy one minute, and bawling your eyes out the next. Often times, that mood swing can be over the tiniest inconvenience.
Anyone who has been pregnant (or dealt with a pregnant wife) knows this all too well. At the time, it sucks. But looking back it can be pretty hilarious to remember the silly things women cried over during their pregnancies.
In Her Defense, She Was Just Trying To Help
It's understandable that Jay thought this was pretty funny but he would have been better off just letting his wife do what she wanted. If your pregnant wife wants to defrost a sausage roll in the shower then just let her.
Honestly, "just let her" should really just be the motto for any marriage when one of you is pregnant. It not entirely a bad idea either. If the water gets hot enough, the steam should do the same work as a microwave.
Looks Like We're Never Going Back To Rusty's
Christina knew right away that this was a pretty hilarious thing to cry over. Despite knowing this, there's a good chance that she will never go back to the specific pizza place. Even if she was out of line to cry, she will always have terrible memories associated with Rusty's Pizza.
When a restaurant betrays you once like this, then there's really no way you can forgive them. Sorry, Rusty's, but you're canceled. In Christina's world at least.
Nesting AND Pregnancy Brain Is A Vicious Combo
Just like pregnancy brain, nesting is an actual phenomenon that women experience. Nesting is basically just the urge to clean and prepare your home for your new baby. It usually comes on strongest in the latter half of your pregnancy and can even be a sign of labor.
When nesting combines with the regular pregnancy brain, you can end up with a nasty situation, like yelling at your husband because he dared to step on your perfectly vacuumed carpet.
When Moose Tracks Just Won't Do
Any true ice cream lover totally understands where Cassie is coming from here. You might have six different flavors in the freezer, but they're all there for certain reasons and specific moods.
You don't have a raspberry sorbet on a fall day, just like how you don't have peanut butter chocolate chip on the hottest day of the year. Combine those well-known preferences with pregnancy cravings and you're setting someone like Cassie up for failure.
One Trip Or Bust
You don't even need to be pregnant to know that it's one trip or bust. I will stress every single muscle in my body to carry six bags of groceries inside the house if it means I don't have to go back to the car a second time.
It can be difficult when your pregnancy prevents you from achieving that one-trip greatness. Kim knew in her heart of hearts that she wanted to take one trip, but the tiny human inside her said no, not today.
Why Would A Doctor's Office Do This?
If Alicia is in the doctor's office during her pregnancy, it's safe to assume that she is there to visit her OB/GYN, midwife, or someone who will help her on the nine-month journey. That means the doctor's office should know how important it is to keep things clean and precise.
In fact, we can only assume they had an entire mandatory course in medical school on how to keep nesting pregnant women at bay.
Don't Mess With A Pregnant Woman's Burrito
Burritos are one of the most loved foods for pregnant women so don't mess with it. Sparky the dog is not exempt from this rule. Not only do burritos provide a source of protein for the baby to grow, but if you get one that's big enough it will serve as a way to prepare for the baby.
You can cradle the burrito, dress the burrito, and you can even try changing tiny little diapers on the burrito.
When It Doubt, Blame It On The Baby
One of the best things about being pregnant is that you can bring your baby into any conversation as a trump card. Want a second plate at Thanksgiving dinner? It's for the baby. Need to call dibs on an entire jug of Sunny D? It's for the baby.
Do you need to spend an entire Monday evening eating ice cream on the couch while watching The Bachelorette? It's. For. The. Baby. If you try to challenge it, we'll cry even harder.
Women Of The Midwest, Unite
It's hard to tell if being pregnant is worse in the warm or the cold. When it comes summer babies, being pregnant in the heat can just make everything that's already swollen even worse.
Sure, carrying a baby in winter means your feet won't be as massive and you can have some better blood circulation. But it also means you risk getting snow in your boot and having a full-on breakdown like Tygress.
This Is Entirely Chick-Fil-A's Fault
Chick-fil-A has caught some flack in the last few years, but it's still consistently rated America's favorite fast food joint. Despite the controversy, it is known for having incredible customer service, unlimited (and delicious) sauce offerings, and some really tasty chicken.
Yet, despite all the amazing things about it, it's not open on Sundays. We get that you're following a longstanding company tradition, but it even closed down on Super Bowl Sunday. Let the football fans and pregnant women have the chicken they want and deserve on Sundays.
Parenting AND Being Pregnant Isn't Easy
It's one thing to be pregnant and full of emotions while handling the normal stuff in life, but try being a parent to another kid on top of it all. You might think that since you've done it once it will be easy to do again, but no, it's just harder.
Now you have to decide if your mood swing is because your older child did something wrong, or if it's just emotions.
He's The Hero We All Needed
Let's give a standing ovation to Misty Cotton's husband for being the hero every pregnant woman needs. He made sure not to diminish her emotions or opinions and simply listened. Then, to make things even better, he reassured her in a positive way that it was okay to feel the way she did.
To every husband out there who has felt confused and stressed when their pregnant partner has a moment like this, take note.
A Snapshot Of The Future
We want to sympathize with Tierra in this situation, but we have to be more realistic. What she experienced with her nephew is just a snapshot of her future now that she's pregnant.
Get ready, Tierra, because if you raise your child to be smart and strong-willed then they will finesse you out of your extra pepperoni too. Hopefully, the next time it happens you won't have the urge to cry as much as you did this time.
Sometimes Things Are Just Beautiful, Man
They say to stop and smell the roses so you can appreciate everything around you, but Maggie took that a little too far during her pregnancy. When you have back aches, swollen feet, and bleeding gums, you have nothing else to do but enjoy the little things around you.
If seeing some adorable bunnies in the backyard is what will make you feel better, then let it be and let the tears flow free.
Some Quality Me-Time Before The Birth
What Alberta didn't realize from this unfortunate scenario is that she'll look back fondly on her 3 A.M. Foot Loops snack. Because after the baby comes, she won't have another moment of peace like that for 18 years.
Right now she's laughing about it, but when you're juggling soccer practice, making lunches, and doing homework, she will envy her past-self for even having the energy to get out of bed in the middle of the night to make food.
Shoutout To All The BFFs Who Come To The Rescue
There's a special place in our hearts for all the BFFs out there who stand by their pregnant friends when the going gets tough. The pregnant one might have a partner to lean on, but they don't get the intimate details on how your pregnancy is going.
Your partner isn't always the one you talk to about lactating. It's your BFF who has to listen to that while they cut open a grapefruit for you.
This Is Why Men Have To Listen Better
This isn't even a case of pregnancy brain, skyrocketing hormones, or anything in between. This is a simple case of men not actually listening to the women in their life, then having to pay the price for it.
Word of advice: in a situation with food and a pregnant woman, less is never more. If you're doubting the portion sizes, just get two or three extra ones just in case.
Who Didn't Cry In That Movie Though?
Ashley, you're not alone. It's not just pregnant women who cried during Secret Life Of Pets 2. Anyone with a heart did. Watching Max bond with a baby is the kind of wholesome content any self-respecting human wants to watch.
Of course, you can never compare crying in Secret Life Of Pets 2 to the number of tears shed during Toy Story 3. When they were heading toward the incinerator holding hands, there wasn't a dry eye in the theater.
At Least She Had Warm Feet While She Cried
It can be the smallest things that make you cry during your pregnancy because a lot of women attribute a silly mistake to themselves. Just think about it. You're about to give birth to a little human that you have the responsibility of raising.
The pressure is as high as it gets. It can be debilitating when you feel like you can't even put your slippers on the proper way without making a mistake. Rebecca, we feel you.
The Dog Appreciates Your Support
Let's face it, food is one of the biggest stressors when it comes to pregnant women. There are a ton of other little things though that can push women's emotions just over the edge and Morgan has proved it.
Of the three that she outlined here the first one is definitely the most valid. It can be devastating to see that a perfectly fine dog has gone from fluff ball to raccoon dragged in from the street.