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Press release: Mortgage industry must better respond to the challenges of an ageing society
The ILC-UK today urges mortgage providers to better understand, and respond to, the increasing numbers of retirees taking loans into retirement.
Speaking at a conference organised by the Council of Mortgage Lenders, the ILC-UK Director, David Sinclair urged the industry to ensure they do not discriminate on basis of age alone. Sinclair also urged older people to think very carefully before looking to "buy to let" to give them a return on their pension savings.
Sinclair welcomed the work being done by the Council of Mortgage Lenders (CML) on this topic and urged the industry body to continue to work with providers to ensure they are better equipped to respond to the challenges of demographic change.
Since 2010, both the number and percentage of mortgages extending into retirement has increased(1).
The ILC-UK presentation draws on five years of research into secured and unsecured debt published by the charity. It has been made available on the ILC-UK website (4).
In late 2013, ILC-UK published a report by the Personal Finance Research Centre on the mortgage debt of older households and the effect of age.
The report found (3):
- One in five of all households (21 per cent) headed by someone aged 50 or over had outstanding mortgage borrowing on their main home in 2008-10. One in ten older households (65+) had outstanding mortgage borrowing on their main residence. 65-69 year old households with mortgage debt still owed on average £55,200.
- 13 per cent of all older mortgaged households were struggling to repay their mortgage.
- More than one third of those aged over 70 with outstanding borrowing had an unlinked interest only mortgage
ILC-UK research in 2014 revealed that the average housing wealth of retirees is £122,000 or £1.4tn in total (2).
While lending criteria has been tightened across the board as a consequence of first the credit crunch and then the MMR, ILC-UK argue that this may not fully explain the rising numbers of people who appear to be excluded from the mortgage market purely on the basis of age.
In his presentation, David Sinclair will argue that broader demographic trends, financial insecurity and public policy change is resulting in increasing numbers of us needing to take a mortgage into retirement.
Speaking at the conference, Sinclair urges older people to be aware of the risks of splashing their pension pot on buy to let properties. Sinclair points out that property investments can be risky and they do not guarantee returns. ILC-UK analysis has shown that in the 1990s it took 50 quarters for inflation adjusted house prices to regain their losses in value. Outside the South East and London, UK house prices in many areas remain below inflation adjusted 2007 levels.
International Longevity Centre – UK (ILC-UK) Director, David Sinclair said:
"The industry and the regulatory environment have been seemingly struggling to respond to ageing and demographic change. We are, however, very pleased to see that the industry have begun to respond to these challenges through the important work being led by the CML.
We are living longer, our family structures are changing, we are marrying later and we are working longer. At the same time, financial insecurity will result in more people needing to borrow more and later in life.
We should be particularly worried about those retirees with interest only mortgages but no linked investment.
Whilst the introduction of "pension freedoms" could be a boon to the buy to let sector, older people should make sure they take advice before making the jump.
With older people holding almost 1.4tn in wealth in their homes, equity release is going to be an attractive way of supplementing a pension for many.
The industry needs to ensure that the income poor asset rich pensioners are well served by this market. That said, the recent growth in the number of people aged 55-64 taking equity release is potentially very worrying."
In the presentation, David Sinclair urges the industry to lend responsibly but not arbitrarily refuse loans on the basis of age alone. He also calls on the industry and Government to work to address the fear of borrowing faced by many income poor, asset rich customers.
Sinclair urges Government and industry to work together to ensure that individuals have access to advice. He also urges Government to push ahead with housebuilding plans to ensure that older people have more options to move to more appropriate homes.
1) http://www.cml.org.uk/news/725/
2) From ELSA. Mayhew 2014. See http://www.ilcuk.org.uk/index.php/publications/publication_details/the_uk_equity_bank_towards_income_security_in_old_age
3) The mortgage debt of older households and the effect of age http://www.ilcuk.org.uk/index.php/publications/publication_details/the_mortgage_debt_of_older_households_and_the_effect_of_age
4) Available via the blog on the ILC-UK website and at http://www.slideshare.net/ilc-uk
David Sinclair at ILC-UK on 02073400440 or firstname.lastname@example.com
David Sinclair spoke today at the CML conference on "Pension tension: New thinking on lending into retirement" http://www.cml.org.uk/events/pension-tension-new-thinking-on-lending-into-retirement/
Date :11 June 2015
Press release: Just and ILC-UK 'Innovating for Ageing' project calls for submissions on problems relating to consumer vulnerability
Just and ILC-UK 'Innovating for Ageing' project calls for submissions on problems relating to consumer vulnerability
Date :06 April 2018
Press release: Life expectancy significantly worse in deprived areas, new research finds
Life expectancy and health outcomes worsen the more deprived an area or population is, new research from Cass Business School has found.
Date :27 March 2018
See the latest ILC newsletter here. Sign up to our mailing list here.
Date :15 February 2018
ILC-UK recommendations adopted by the Communities and Local Government Committee
The Communities and Local Government Committee has today released their report on Housing for Older People featuring oral and written evidence from Senior Research Fellow Dr Brian Beach.
Date :09 February 2018
The Future of Ageing Conference
The International Longevity Centre - UK hosts an annual full day conference to bring together representatives from Government, business, academia and civil society to discuss the Future of Ageing.
Date :05 February 2018
Recruitment - ILC-UK are recruiting for a Research Fellow
ILC-UK are recruiting for a Research Fellow to join the team
Date :29 January 2018


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JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $2.5 trillion and operations in more than 60 countries. The firm is a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing and asset management.
It began operations in the Philippines in 1961 with a representative office. Since then, the firm has expanded its presence into a fully integrated franchise, comprising Investment Banking, Treasury and Securities Services, Equity Sales and Research as well as foreign exchange and fixed income trading operations. JPMorgan Chase & Co. has a number of legal entities operating in the country, including the Manila Branch of the bank, which has a commercial banking license as well as a derivatives license, and a securities company with a seat on the Philippine Stock Exchange.
JPMorgan Chase & Co. launched its Global Service Center in Manila in 2005 and in Cebu in 2010, to provide a wide variety of strategic support including analytics, finance and accounting voice-based services, transaction processing and other functions to its affiliates around the world.
Information about JPMorgan Chase & Co. is available at http://www.jpmorganchase.com/
About J.P. Morgan Corporate & Investment Bank
J.P. Morgan Corporate & Investment Bank (CIB) is a global leader across banking, markets and investor services. The world's most important corporations, governments and institutions entrust us with their business in more than 100 countries. With $18 trillion of assets under custody and $393 billion in deposits, the Corporate & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.
Liquidity management is the process of maintaining an optimal cash position. Liquidity Solutions provides the means for clients to meet its daily obligations (such as its payables), likewise, providing clients the opportunity to invest excess cash in a variety of investment vehicles.
Liquidity Core Processing performs product set up, maintenance, reconciliation, and servicing for cash concentration and investment products.
Liquidity Client Inquiry unit is a team dedicated to handling client inquiries, research, and investigations relating to Liquidity Products from internal clients. The majority of inquiries are related to account set-up or implementation details, product features, research on transactions and balances, and rate inquiries. Inquiries are received via telephone, email, and CSX cases. The volume of inquiries is relatively nominal but the complexity of the products requires the team member to be highly analytical.
· Positive attitude, strong interpersonal skills and able to work with a team.
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During the application process, be sure you have an up-to-date copy of your Résumé, your cover letter and any other documentation you would like to submit.

subset: commoncrawl


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The English group Portico Quartet, which is playing at Müpa Budapest for the second time, successfully experiments with jazz, electronica, ambient and minimalism to create a hypnotic sound from a saxophone, bass guitar, live drums and electronic instruments - alongside the Hang, a steel drum shaped like a UFO. The quartet, whose admirers include the Cinematic Orchestra, Efterklang, Alt-J and Radiohead, make their return to Budapest after a six-and-a-half-year absence.The group, whose name references the classic architectural design structure, was formed in 2005 by university students who had arrived in London from Southampton and Cambridge. They achieved their first successes as street musicians, while their debut album, released in 2007 and entitled Knee-Deep in the North Sea, was nominated for the Mercury Prize as one of the best British albums of the year. It was also selected by Time Out magazine as album of the year in the jazz-folk-world music category. In 2009, the album Isla, made with the help of legendary rock producer and sound engineer John Leckie (Pink Floyd, Radiohead, the Stone Roses, and many others), further expended their fan base, before they made their first appearance at Müpa Budapest touring with their third, self-titled album.
With the help of guest singers - including British electro-soul star Jamie Woon and members of Alt-J - they recorded and released Living Fields in 2015 under the band name Portico, before returning to their usual name and sound with Art in the Age of Automation, the fourth Portico Quartet studio album. The tour for this album sees the group return for a reunion with their Hungarian audience.
Presented by: Müpa Budapest
Ticket information
You may also purchase tickets for this performance using Edenred Ticket Culture & Sport cards and vouchers and Top Premium gift cards, Edenred Gift Gold and Silver cards, as well as Gift and Shopping cards. Your Culture and Gift Erzsébet vouchers, Erzsébet voucher plus card Gift or Culture balance, OTP Cafeteria card culture sub-account balance, Müpa Budapest Gift vouchers, and SZÉP Card leisure balance will also be accepted if you purchase tickets at our ticket offices.
Parking information
The Müpa Budapest underground garage gates will be operated by an automatic number plate recognition system. Parking is free of charge for visitors with tickets to any of our paid performances on that given day. The detailed parking policy of Müpa Budapest is available here.


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Arizona Zip Fleece Hoodie-Big Kid Boys
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- 1 How Is A Davie Health Club Beneficial?
- 2 Choosing A Health and Fitness Center in Davie FL
- 3 Are Health Club Reimbursements Taxable?
- 4 Are Health Club Memberships FSA Eligible?
- 5 More Davie FL Info
- 6 Bing: Davie FL Search results
How Is A Davie Health Club Beneficial?
If you've had an especially demanding day, a half-hour walk at the gym track or on the treadmill can provide the emotional lift and also stress reduction you need, inning accordance with the Mayo Center. But those who experience occasional bad moods or a decline in their emotion typically aren't the just one who could take advantage of routine trips to the health club. The Mayo Center discovers that normal exercise might make a big distinction for some people by aiding to relieve signs of anxiousness as well as clinical depression.
Mental and Physical Results That Profit You Psychologically
As you start your workout, your brain's natural chemicals – one of its chemical carriers – attach memory with muscle to obtain you moving, according to the Franklin Institute. At the very same time, the anxiety hormonal agents cortisol and also adrenaline are reduced as endorphins are launched, finds Harvard Medical.
Behavioral Aspects
Constant exercises at the fitness center will at some point help you attain your fitness goals. When you look in the mirror and see a thinner or even more muscular body staring back at you, you'll get improvements in self-esteem as well as confidence. In addition, time invested exercising with other individuals in an aerobics course offers you with a social atmosphere where you can enjoy the psychological benefits obtained with the sociability you create with various other schoolmates.
Choosing A Health and Fitness Center in Davie FL
A current study discovered that in between 30% and 40% of people who have a gym subscription state they never use it. They go for a couple of weeks and discover the gym really isn't an excellent match.
Find a fitness center or club that is close to home or job. The closer it is the most likely you are to go.
Then take an excursion and ask as numerous concerns as you want before you sign up with. See to it it's the ideal health club for you. What kind of people exercise there? Are they like you? Does the personnel look pleasant or daunting? Do you really feel at ease while you're taking the tour?
Make use of complimentary personal training or use an instructor momentarily. You'll obtain knowledgeable about the equipment as well as create a job regimen.
Lastly, if you're feeling a little uncomfortable train at off-peak hrs when the health club is less crowded.
Remember every person in the fitness center was unsure of themselves the very first time they joined. The longer you stick with it, the more comfortable it will become. Davie FL health club
Think of these points when selecting a fitness center:
The majority of credible clubs will permit you to work out complimentary at the very least as soon as before joining. Do your exercise at the time of day that you usually prepare to function out to see how crowded the club gets and also just how long you would certainly have to wait for equipment.
Learn about classes. Ask to see a course schedule and talk with some instructors. Find out if courses are cost-free with your subscription.
Find out if someone is on a regular basis on staff to address questions about your workout. Great health clubs will certainly have a person available to instruct you how to utilize every one of the equipment effectively free of charge. Learn, also, if your fitness center has individual trainers who can take you through your workout. This normally entails a fee (be particular who you pick as your trainer– in most city clubs, the fee for a personal instructor is thirty-five to eighty dollars a hr). You could not want to use an instructor all the time, having a pro appearance at your exercise every once in a while could do wonders to boost your strategy.
Join a fitness center that is close to your house or work. Fitness club experts have exactly what they call the "twelve-week/twelve-mile" theory: The majority of people who sign up with will work out for only the initial twelve weeks of their subscription, as well as just if the club is less than twelve miles from their office or home. Find an area that's close and practical.
Think about the environment. Choose a gym where you feel comfy. Consider the individuals who go there as well as think of just how you would feel working out among them. Perhaps working out with the "twenty-somethings" makes you pursue even more. Or perhaps you prefer a place that uses classes created specifically for individuals over sixty. Some clubs are geared solely or largely to females, and others are more tailored to men. Look around and determine just what best fits you.
Is it just what you require for your workout? I choose a club that not only has the tools I such as, but also the tools I could use if I create an injury. If a club does not have a number of unused elliptical exerciser machines and also numerous extra rowing machines at the time I am most likely to exercise, I recommend choosing another club.
Are Health Club Reimbursements Taxable?
The inquiry is so popular, the Internal Revenue Service devotes a bit of its Area 502 Code to answering the question of whether a gym membership could be deducted when filing a federal tax obligation return. It's very easy to see why the subject is essential sufficient to be consisted of. Health and fitness is a big problem for people of any ages in this society and workout provides various advantages. That stated, the answer to the concern about whether fitness center membership costs are deductible is No, but…
Internal Revenue Service Rules
The Internal Revenue Service commonly bans subtracting the expense of a gym subscription because it defines this sort of cost as a business, enjoyment or social experience as opposed to a healing atmosphere. Also if you utilize the facility to enhance your basic physical health and wellness, deal with an ailment or perk up your mental health and wellness, it still cannot be crossed out. That stated, among the requirements the Internal Revenue Service thinks about when choosing if a health club subscription or program is eligible for a deduction pertains to period: If you already belong to the facility prior to you try to compose it off, the deduction could be a challenging sell.
Potential Exemptions
If your physician suggests normal exercises calling for a gym subscription as component of your treatment for weight management, illness– e.g., diabetes, cardio conditions or hypertension, as an example– or mental recovery, the condition can qualify as a reduction if you could provide proof that your doctor "has purchased you to execute a certain physical activity because of a diagnosed clinical problem," according to Certified Public Accountant Tara Haas. Show this circumstance and most of the times you can subtract just the fees you spent for the program that assists you regain your health and wellness, not your membership fees.
Are Health Club Memberships FSA Eligible?
Though it's a healthy step in the best instructions, fitness center subscription charges are just occasionally taken into consideration eligible with a Flexible Spending Account (FSA). In order to get FSA reimbursement, you would need a doctor's note indicating that the gym membership would certainly assist with the treatment of a details medical problem. The IRS checks out health club/gym subscription costs as "general health" things, rather than as a need to deal with details clinical problems. However, that typically results in health club subscriptions not being taken into consideration as FSA eligible, yet it actually depends upon the FSA account.
It's best to consult your FSA strategy description to discover FSA eligible expenses, or to contact your FSA administrator to get even more information. If you intend to discover more FSA eligible costs, Check the qualification list.
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Davie, FL | Official Website
The Davie Town Council along with the Town Administrator will host a series of Community Forums in each of the Town's four Districts. All Davie residents and business owners are invited and encouraged to attend.
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Davie, Florida (FL) profile: population, maps, real estate ...
Davie, Florida detailed profile. According to our research of Florida and other state lists there were 33 registered sex offenders living in Davie, Florida as of April 17, 2018.
BB Insurance Marketing, Inc. - Davie and Hollywood FL ...
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Studio B | Pilates and Spinning| Davie, FL
Studio B focuses on being fit, healthy and happy with classes such as Pilates, HIIT, Xtend Barre, Spinning and more. We even have boot camp and kids classes.
Apartments for Rent in Davie FL | Apartments in Davie
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Davie Real Estate | Find Houses & Homes for Sale in Davie, FL
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Insurance Policy Financing
2420 N Pantano Rd Tucson, Arizona 85715
Print | Save | Directions
AboutInsurance Policy Financing is located at the address 2420 N Pantano Rd in Tucson, Arizona 85715. Insurance Policy Financing specializes in Government Checks, Payroll Checks, Cashier's Checks.
Insurance Policy Financing has an annual sales volume of 1M – 1,999,999. .For more information contact Ira Girard, Owner
For maps and directions to Insurance Policy Financing view the map to the right. For reviews of Insurance Policy Financing see below.
Business Features
- Payday Loans , Improvement Loans , Personal Loans , Home Loans , Business Loans
- Cashier's Checks , Insurance Checks , Payroll Checks , Tax Refund Checks , Government Checks
Employee Size: 1 To 4
Exact Employee Count: 3
Exact Sales Volume: 1750000
Sales Volume: 1M – 1,999,999
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Key Contacts
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Today it's a lovely 8-10C afternoon; the sun room is open, the burgers are defrosting in the fridge, and I made a potato salad yesterday. I firmly believe that potato salad tastes better the next day. It's probably an old wive's tale but it works for me.
My daughter took Eli to visit a friend in a small town about 1 1/2 hours from us on Thursday evening, and won't be home until Sunday. I took advantage of their absence to go hard on the spring cleaning in the kitchen and living room. All the iiving room furniture was vacuumed thoroughly as were the dining room chairs (oh, the cat hair), I scrubbed floors and baseboards, spot washed the walls, and cleaned out the pantry shelves and the cupboard that holds the cleaning supplies. I washed little finger prints off the living room window (hi neighbours!) and gave the cat tree a good brush and vacuum. The end tables which tend to gather various items were cleared and scrubbed down. The kitchen table and island in the kitchen became my depository for all the excess items...which turned out to be a lot. There were toys, mail, various USB's and SD cards, elastics, pens, pencils, and on and on. Most it was either put away or tossed in the garbage, but there is a still a pile that belongs to my daughter I've left for her to deal with.
Today has been less busy. I slept in this morning - well, after I got up at 6:15 a.m. to feed the cats - getting out of bed shortly after 8. It felt good to get a full night's sleep. I putzed around the house this morning and went to pick up a few items at Walmart before lunch. Then it was down to the furnace room, where the cat litter boxes are kept, to give the room a good cleaning. I suspect it wouldn't be as dusty if the litter boxes weren't in there but it is the most convenient spot, tucked away and out of sight.
Next up was my bedroom. I'd done a fairly good clearing out just a month or so ago so it didn't take very long. I did vacuum the window screen, OMG it was dirty, vacuum the floor and picked up a kitten in cat hair, and sorted through the bathroom items. I have far too many creams, deoderants, lip balms, etc. They are now sorted, like with like, so I should be able to find what I'm looking for. I also changed out the shower curtain, the Christmas kitten for this new one I found at Walmart today. I think it's perfect!
That is enough cleaning for today. I can tell because my finger tips have the rough feeling that comes from using cleansers and lots of hot water. The bedroom carpet still needs to be spot-cleaned (for remains of the cat hairball deposits), the sun room needs to be vacuumed and tidied, and then I can get to the laundry. Phew, it's been a busy weekend.
There is a window open now in the bedroom for some fresh air. I love spring! Time to go fire up the bbq for dinner.
Have a great rest of the weekend everyone!


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Highland, NY Amusement Parks
YP - The Real Yellow PagesSM - helps you find the right local businesses to meet your specific needs. Search results are sorted by a combination of factors to give you a set of choices in response to your search criteria. These factors are similar to those you might use to determine which business to select from a local Yellow Pages directory, including proximity to where you are searching, expertise in the specific services or products you need, and comprehensive business information to help evaluate a business's suitability for you. "Preferred" listings, or those with featured website buttons, indicate YP advertisers who directly provide information about their businesses to help consumers make more informed buying decisions. YP advertisers receive higher placement in the default ordering of search results and may appear in sponsored listings on the top, side, or bottom of the search results page.
1. Quassy Amusement Park
2132 Middlebury RdMiddlebury, CT 06762
From Business: Family amusement park offers great rides, waterpark, beach, arcade, food, entertainment and games. Home of the award-winning Wooden Warrior roller coaster and new…
2. Playland
100 Playland PkwyRye, NY 10580
From Business: Playland Ice Casino is Westchester County's premier skating and entertainment facility. We are also home to one of New York's largest family amusement parks and e…
3. Deno's Wonder Wheel
3059 W 12th StBrooklyn, NY 11224
4. Luna Park
What I love about this place is that they offer rides that are safe and kids can enjoy. I highly recommend this place to anyone.
5. Adventureland Amusement Park
The family is planning to come here in the future to enjoy the amenities and the place. Really great. Thank you very much for everything.
6. Six Flags New England
Ok if your planning to go more than once then get a season pass. I've heard so many times that the lines are way too long but I went there 9 times t…
7. Bowcraft Amusement Park
What I appreciate the most about this park is that there are occassional programs and events that caters to the whole family!
8. Costa's Family Fun Park
2111 Route 6Hawley, PA 18428
From Business: Costa's Family Fun Park, located near Lake Wallenpaupack in the Poconos of Northeastern Pennsylvania, offers go karts, miniature golf, laser tag, water slides, bu…
9. Adventure's Family Entertainment Center
1824 Shore PkwyBrooklyn, NY 11214
From Business: Fun for the entire family! Booking birthday parties and group trips now!
10. Tour-Dann International Ltd
220 Maple AveRockville Centre, NY 11570
11. Locust Grove Samuel Morse Historic Site
2683 South RdPoughkeepsie, NY 12601
From Business: Regular hours are from 10am to 5pm everyday except the period between January 1 to April 11. During this time Locust Grove will be closed on Saturday and Sunday. …
12. Twin Star Orchard
155 N Ohioville RdNew Paltz, NY 12561
13. Stoutridge Vineyard
10 Ann Kaley LnMarlboro, NY 12542
14. Frances Lehman Loeb Art Center
124 Raymond AvePoughkeepsie, NY 12604
15. Glorie Farm Winery
40 Mountain RdMarlboro, NY 12542
16. Artists' Collective of Hyde Park
4338 Albany Post RdHyde Park, NY 12538
17. Prospect Hill Orchards
40 Clarks LnMilton, NY 12547
From Business: Prospect Hill Orchards is a family run farm offering pick your own fruits in season. Beginning at the end of June we harvest sweet and sour cherries. During July …
18. Mohonk Preserve
3197 New Paltz PlzNew Paltz, NY 12561
From Business: Mohonk Preserve is the largest private nature preserve in New York. The Preserve protects 8,000 acres of the Shawangunk Ridge and inspires people to care for, enj…
19. Barret Art Center Dcaa
55 Noxon StPoughkeepsie, NY 12601
From Business: WE ACHIEVE OUR MISSION to foster and perpetuate an appreciation of the visual arts in the Mid-Hudson Valley through exhibitions, lectures, workshops, and demonstr…
20. Bronck Museum
US Route 9WCoxsackie, NY 12051
From Business: Three hundred year old historic (formerly working) farm.
21. Big Bear Ziplines
817 Violet AveHyde Park, NY 12538
From Business: The #1 Place for Fun and Adventure in the Hudson Valley! Big Bear Ziplines is the First CLOSEST Canopy Zipline Tour to New York City. Come experience the beauty o…
22. Hudson Valley Craft Beer Tours
1 Main StHyde Park, NY 12538
From Business: As the craft beer world has grown, the number of breweries in the area has increased even though the distance between them reduces. Getting to these breweries saf…
23. K1 Speed
2001 South RdPoughkeepsie, NY 12601
From Business: K1 Speed is the ultimate indoor kart racing experience with locations Nationwide and the fact that K1 Speed is open 7 days a week, it's the ultimate experience. K…
24. Adair Vineyards
52 Allhusen RdNew Paltz, NY 12561
25. Arts Mid-Hudson
696 Dutchess Tpke Ste FPoughkeepsie, NY 12603
26. Freihofer Charles Baking Co
27 N Putt Corners RdNew Paltz, NY 12561
27. Slide Mountain Wilderness
21 S Putt Corners RdNew Paltz, NY 12561
28. Mid Hudson Sporting Clays
411 N Ohioville RdNew Paltz, NY 12561
29. Roost Studios Inc
69 Main StNew Paltz, NY 12561
30. Samuel Dorsky Museum of Art
1 Hawk DrNew Paltz, NY 12561


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Sport can be very cruel sometimes and I'll never forget the disappointment for Daniel Ricciardo when the Red Bull team's errors in strategy and also pit stop discipline cost him a certain Monaco Grand Prix win from pole, two years ago.
Mercedes is leading the Constructor's Championship of the 2018 Formula One Championship by only one point in front of Ferrari while Lewis Hamilton is trailing by a deficit of nine points behind Ferrari's Sebastian Vettel.
Reigning GP3 champion George Russell is becoming a familiar figure in the Formula 1 paddock - especially around the Mercedes garage, where he's trying not to get too star-struck.
McLaren have pinpointed next month's Spanish GP as the race where they will start to form a clearer judgement on their 2018 car.
Formula 1 confirmed this week that the long awaited launch of its OTT (Over the top TV) service F1 Live will happen at the Spanish Grand Prix. It has been delayed to allow for more testing before going into service.
The revelation of the season? Possibly. A growing force? Certainly. But how have America's lone F1 team done it - and where do they go from here? In a rare joint interview, Lawrence Barretto speaks to Haas team owner Gene Haas and Team Principal Guenther Steiner to get the answers…


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AbstractNaturally occurring multi-year to decadal variability is evident in rainfall, temperature, severe weather and flood frequency around the globe. It is therefore important that we understand the cause of this variability and the extent to which it can be predicted. Here we assess internally-generated decadal climate variability and its predictability potential in an ensemble of CMIP5 models. Global hotspots of subsurface ocean decadal variability are identified, revealing variability in the southern Tasman Sea that is coherent with variability in much of the Pacific Ocean and Southern Hemisphere. We find that subsurface temperature variability in the southern Tasman Sea primarily arises in response to preceding changes in southern hemisphere winds. This variability is multi-year to decadal in character and it is coherent with surface temperature in parts of the Southern Hemisphere up to several years later. This provides some degree of potential predictability to surface temperature in the south Tasman Sea and surrounding regions. A few models exhibit significant correlation between subsurface variability in the south Tasman Sea and zonally averaged precipitation south of 50S, however the multi-model mean does not exhibit any significant correlation between subsurface variability and precipitation. Models which exhibit stronger subsurface variability in the southern Tasman Sea also have a stronger Interdecadal Pacific Oscillation signal in the Pacific.
Journal of Climate – American Meteorological Society
Published: Mar 7, 2017
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Custom Exterior Inc offers general contractor, siding contractor, home improvements, window replacement and home remodelling in Oklahoma City, OK.
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I paint and stain. I also do general home repair. Make a list, and call for a free estimate. I also do gutter repair and cleaning, cabinet work, windows and doors, and interior and exterior painting.
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I just received my order so I really had an opportunity to really use them. However I give it four stars because in my opinion they could have been just a little bit bigger. Also it seems that the laser light range distance is not that far. Other than that I like the product and price value....
This user earned $1.00 in rewards for writing this review.Learn More
Cassini K-9MKIIRM 10x32mm Day/ Night Green Laser Binocularsby CASSINI
Similar Items
ITEM#: 17358791The Cassini K-9MKIIRM Green Laser Day and Night Binocular brings objects ten times closer and the 32mm lenses and green wide-angle laser makes it perfect for all outdoor activities. Unlike traditional, expensive, Night Vision technology that can cost thousands of dollars, can only be used at night, has low or no magnification and is subject to distortion and artifacts. The K-9MKIIRM can be used by day without damage to the Night Vision components. The multi-coated 10x32mm rubber covered roof prism design provides bright images and increased contrast and clarity. After the sun goes down, simply push a button on the K-9MKIIRM to activate the green diffused wide angle laser, and illuminate an object in the darkest areas up to 100 yards away. The Cassini K-9MKIIRM features a full range center focus wheel with right eye focus adjustment, water resistant comfort grip rubber armoring, optics protected from heavy dust and foggy, moist conditions, and a tripod socket.
- Color: Green
- Wavelength: 532nm
- Operating Voltage 3V
- Operating Current: 200~350mA
- Spot Diameter: 4M @ 50M
- Range: Up to 100 Meters
- Optical Power: < 5mW
- Battery Life: Up to 2.5 Hours continuous use.
- Uses C-123A Batteries (Not Included)
- Brand: Cassini
- Model: K-9MKIIRM
- Color: Charcoal
- Magnification: 8x
- Objective diameter: 32mm
- Field of view: 294 @ 1000 yards
- Close focusing distance: 13
- Exit pupil: 4mm
- Relative brightness: 17.36
- Eye relief: 12.5mm
- Lens coating: Multiple Layer Coating
- Lens color: Green
- Prism type: Roof
- Prism coating: Yes
- Focusing system: Center
- Requires batteries: Two (2) AAA - Not Included
- Body material: Metal, Rubber, Glass
- Weight: 1 lb
- Dimensions: 1.5 inches high x 5 inches wide x 6.5 inches deep
|Objective Lens
|30 - 39mm
|1.5 inches high x 5 inches wide x 6.5 inches deep
|1 year Limited Manufacturer
|Model Number
|Country of Origin
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Day and night vision binoculars
I just received my order so I really had an opportunity to really use them. However I give it four stars because in my opinion they could have been just a little bit bigger. Also it seems that the laser light range distance is not that far. Other than that I like the product and price value.Read More
Charles Morgan
EXCELLENT product.. Works as advertised.Read More
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Northern star propertyNo feedback
We specialise in Complete property renovation and maintenance for property owners/investors and estate agents. We provide quality work for every aspect of building maintenance.
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The two shows open at the north London venue this summer
The new musical opened at the St James Theatre last night
Janie Dee stars in The Seagull, Alex Gaumond and Laura Pitt-Pulford lead Seven Brides for Seven Brothers
Clare Foster and Antony Sher were among those honoured on Friday
A special one-off performance is taking place next year to mark the 40th anniversary of Sondheim's musical
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Rebecca Cohen is drawn into the spoils of World War I in Journey's End.
Acclaimed for his recent lead performance in Sweeney Todd at the West Yorkshire Playhouse and Royal Exchange, David Birrell is in the Octagon's opening new season production.


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Hello and welcome to Go Wild Magazines, the ultimate tourist guides to discovering Irelands Wild Atlantic Way & Ireland's Ancient East. With 2 Bi Annual tourism editions and one Go Wild Food Specific magazine to choose from we hope that you will enjoy our offerings to you and that you will come back for more.
Our Go Wild Food Experience Magazine has been selected to represent Ireland in the Gourmand World Food Magazine Finals in China this coming May.
Our mission from the outset was to bring you some of the majesty, mystique and sheer beauty that the Wild Atlantic Way coastline has to offer from Donegal to Cork. With over 2,500 km of touring road, your journey to discovering the Wild Atlantic Way has just begun and hopefully, you will return for another little bite of this beautiful island that we proudly call home.
Every tourist is looking for the little gems that make their holiday more authentic, and we hopefully have provided just what you need. The following pages will give you a little taste of the spectacular beauty of both the land and its people – show you the best spots to visit, uncover the hidden gems, and show you how to enjoy yourself just like the Irish do.
We hope that we open up a whole new world of options for not only this holiday but also future holidays along the Wild Atlantic Way.
On behalf of the entire Go Wild team, welcome to Ireland's Wild Atlantic Way.
It's our story, it's your memory. Have a spectacular holiday and please come back to see us again.
Bobby Power,
HQ No 1A Hartstonge Street, Limerick.
087 4467007
Feel free to email and tell me about your Wild Atlantic Way Experience.


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There should be no more than 12 apartments in social housing units planned by the Ministry for Regional Development, the Czech News Agency has learned following meetings between ministry representatives, the Platform for Social Housing and MPs from the Pirate Party. Under the plan, the state and not municipalities would pay for social housing facilities' construction.
In the past the Platform as well as the Pirates took issue with plans for new social housing facilities over the worry that the plan to lead to the creation of more generic shelters than genuine "anonymous" apartments. The concentration of families on the brink of poverty or social exclusion could lead to ghettoization and additional problems. The Pirate Party has cited studies showing the importance of proper housing for peoples' well-being and general overall success.
Czech town offered million hours of free porn in promotional move
Proposed new Prague development framework sets urban targets for future decades
Most successful ever Czech crowd funding project fuels relaunch of iconic Čezeta scooter
Czechs drinking less beer
Picturesque South Bohemian border town lands national award


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Cocopa Ethnography (Paperback) (William H. Kelly)
about this item
"Kelly's monograph is an ethnography in the classical sense and . . . it is a pleasure to read such a simple and unpretentious statement. . . . More than most ethnographies I have read, Kelly's imparted to me a sense of the people, both ethnographer and Cocopa, behind the words."—The Journal of Arizona History"A thorough and excellent ethnography."—The Masterkey
Number of Pages: 150.0
Genre: Social Science
Sub-Genre: Archaeology
Series Title: Anthropological Papers
Format: Paperback
Publisher: Univ of Arizona Pr
Author: William H. Kelly
Language: English
Street Date: October 1, 2015
Item Number (DPCI): 248-10-7705
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- #15346 in Romance, Historical
- #11120 in Fiction & Literature, Action Suspense
- #14919 in Fiction & Literature, Historical
Daughter of the king
The Derbfine Series, #3
by Ashley York
series The Derbfine Series #3
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An Amazing Story!A fast paced adventure that captures the essence and traditions of ancient Ireland. I was grabbed by the Prologue and could not put it down until I turned the last page. York's well drawn characters easily come to life and the descriptions make you feel part of the story. This is the tale of two people who were betrothed as children in the hope to unite their clans. Brighit of Clan Cruadhlaoch grew up with a father and brothers who indulged her free spirit and taught how to fight, hunt and ride like a man. Her soon to be husband, Darragh of Clan MacNaughton has been trained to one day be king like his father although he has no ambition to take that place. As the time draws near and Brighit and Darragh are to be wed, Brighit worries that she will lose all of her freedom and be made to only act as a lady and no longer have her adventures. But as fate often steps in, an adventure goes wrong right before the wedding and she is forced to keep secrets from her husband. Mystery, murder and strong emotions abound that will have you holding your breath until the last page to find out what happens. This book is part of a series but can be read as a standalone, although I do want to read the first two books. Ashley York is a new author to me and I am so glad to have found her and intend to read everything she has written!!by Lori D. on April 05, 2018
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Loved it!Daughter of the king by Ashley York is Book Three in "The Derbfine series. This is the story of Brighit of Clan Cruadhlaoch and Darragh of Clan MacNaughton. I have read (and loved them) the previous books in this series but feel this can easily be a standalone book. Darragh and Brighit. have been betrothed since their birth. Although since they were not neighboring clans they didn't see each other much growing up. Brighit when she was younger and learned of the pending marriage was happy because Darragh was good looking and thought he might be there for her when other teased or picked on her but she soon learned he would keep his distance from her and they never really interacted. So in the present day when it is nearing time that they marry Brighit has not wish to do so and really doesn't get a long with him. Brighit had taken to being a Warrior and Darragh the times they did interact he was always trying to control her and her actions. Darragh is aware that Brighit perfers to act a a boy warrior but he feels drawn to hear and besides he wants to do his duty in marring her. But the are only married a matter of hours before things start to go South and they will have to start to learn to trust each other to get their happy ending. This was a hard to put down book for sure....loved it!by Sissy Hicks on March 17, 2018
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Derbfine third in seriesOnce again the reader is transported to time of long ago with Brighit of Clonascra and Darragh of Drogheda . So enjoyed the setting characters with storyline and suspense that the pages just kept turning. Find a comfortable chair and settle in for another excellent take in the Derbfine series.So Authors copy with thanks. Opinions are entirely my own.by Dawn M. on April 04, 2018
Daughter of the king
by Ashley York
The Derbfine Series (Book 3)
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Daughter of the king
by Ashley York
The Derbfine Series (Book 3)
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by on April 20, 2018
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- Ashley York, March 2018
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How to boost org./team's performance by 7-25%
Introducing Performance Losses
Remember your answer to the BIG question, was it 55%, 75%? Perhaps it was closer to the average for all organizations/teams (i.e. 61%).
To make sense of the unexploited potential within your org./team and more importantly to do something about it requires an understanding of Performance Losses.
Why are you here?
Performance Losses are the difference between where your team is today & where you want it to be in the future.
The reason why your organization or team is at 55% or 65% and not 75% or 85% for example.
They explain the gap between the actual output or effectiveness of an organization / team and what it is capable of.
TEST: Ask your team:
What is preventing our org./team from realizing its full potential?
A long list of obstacles, barriers and maybe even excuses is likely to result. The debate might even get heated, with issues of politics and personalities arising.
But if identifying these factors is difficult, tackling them is going to be more difficult still. If only there was a scientific model or data-driven process for identifying and exploiting an organization or team's unexploited potential.
Well, now there is…


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water, bridge, city, large, big, urban area, urban center, metropolis, district
city near water and large bridge
Tour of San Francisco


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Stages of Moral Development
Kohlberg's stages of moral development is an expansion of Piaget's theory. The theory holds that moral reasoning has 6 developmental stages and that it is principally concerned with justice.
Level 1: Pre-conventional
The morality of an action is judged by its direct consequences and this level is very egocentric in manner with no regard for society's conventions of right and wrong.
Stage 1: Obedience and Punishment Orientation
Stage 2: Self-interest Orientation
Level 2: Conventional
The morality of actions is judged by comparing them to society's views and expectations. At this level a person obeys even without consequences and accepts society's rules with little questioning.
Stage 3: Interpersonal Accord and Conformity
Stage 4: Authority and Maintaining Social-Ordr Orientation
Level 3: Post-conventional
A growing realization that an individual's perspective may take precedence over society's views. Individuals in this stage live by their own ethical principles. Rules are considered helpful, but changeable; rules are not absolutes that should be obeyed without question.
Stage 5: Social Contract Orientation
Stage 6: Universal Ethics Principles
There are 3 levels of morality
6 developmental stages
Kohlberg's moral development theory


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New Delhi sources have stated that the share of diesel in hatchbacks and sedans has fallen to under a quarter, which means that more than three cars out of every four sold are now run on petrol. Meanwhile the narrowing gap between petrol and diesel fuel prices has been one of the critical factors behind the trend, which should sound like music to environmentalists and green lobbies.
Accordingly the numbers are even more encouraging as the trend comes at a time when pollution figures have been at alarming levels across many Indian cities and there have been calls for controlling vehicular emissions, especially from diesel ones.
Presently with the difference between petrol
and diesel fuel narrowing down, many people now prefer to opt for petrol
versions. Against a gap of Rs 27 around the middle of 2012, the difference in
the retail price of petrol and diesel fuel has narrowed down to only Rs 10 now.
Indian cities are more congested than other Asian countries New Delhi sources stated that according to the Boston Consulting Group (BCG) survey, up to 89% of people plan to buy a new car in the next five years. As per report over 79% would refrain from buying a car if ride sharing matches car ownership for affordability and convenience.
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- Tata Motors sells a range of vehicles from hatchback to SUVs in India
- Volkswagen expands production of Electric Vehicles (EVs)
- Women entrepreneurs are good not just for biz but also for society, says Jung


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Free STD testing Thursday at Essential Health Clinic in La Crosse
Event to raise awareness about STDs
LA CROSSE, Wis. (WKBT) - Local health providers are raising awareness about sexually transmitted diseases.
Essential Health Clinic in La Crosse is offering free walk-in STD testing Thursday to get people thinking about safe sex. The clinic will be testing for Chlamydia and gonorrhea, and the AIDS Resource Center of Wisconsin will be available for HIV testing.
The clinic director says getting tested is important, even if you don't think you have an STD.
"About 50-percent of people that have an STD don't have any symptoms, so they might be carrying an STD and not even know it. They run the risk of passing it along if they're not taking the proper precautions," said Essential Health Clinic Executive Director Derek Kruempel.
Health providers say while birth control and IUDs prevent pregnancies, they do nothing to prevent the spread of STDs. Providers recommend the use of condoms, but say the only guarantee against transmitted diseases is abstinence.
Latest News
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- City planners say Herberger's liquidation changes the way communities must look at retail
- Snow melt creates possible flooding risk in La Crosse area
- La Crosse pregnancy program reduces time at doctor's office
- Westby freshman adjusts quickly to new sport
- Wisconsin unemployment remains at record-low 2.9 percent
- Walker seeks federal waiver for reinsurance in Wisconsin
- Try new local restaurants with Restaurant Week in La Crosse
- Winona State students raise awareness about mental health and suicide
- La Crosse's mayor holds 'Coffee with Kabat'


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It's a mild day in May as we approach our designated square - a lovely location on the edge of the New Forest where woodland edges on to open fields. The survey is habitat based and our map suggests we have two key habitats to look out for – broadleaved woodland and lowland grassland. So far so good. The guidance notes and advice on the website suggest that recommend a visit to your site beforehand, but we have a fair idea of our site, passing it regularly to and from work.
In addition to a rucksack with waterproofs stuffed in (just in case), suncream, drinks and nibbles and a camera, we are armed with our NPMS survey pack, sent to us when we registered which includes the ID guide. Plants are laid out according to colour and are give a traffic light depending on how difficult they are to identify. Some tent pegs and string found after a rummage in the garage are all we need to mark out our square and linear plots.
Gabriella (my colleague at Plantlife) and I are novices when it comes to wild plant surveying but feel between us, the guidance notes and the ID guide we can do it. It's not often that we meet up outside work so this is the perfect opportunity to natter, get some fresh air - and do something useful at the same time.
After a think about where to locate our five plots to match up with the grid on our map, we soon get into our stride and mark our plots down as we go- a rough sketch and photos are definitely recommended so you can remember where to come back to next time.
The ID book is whipped out often for checking which indicator species we have growing in the areas we have chosen to survey. Indicator species are plants that tell us how healthy our habitats are. There are in fact 408 – including well known favourites like Bluebell, Primrose and Ragged-Robin – but only 30 or so to look out for in each habitat so it is not entirely overwhelming.
I would recommend going out in dry, fair weather. Trying to walk out a plot in rain and make notes at the same time does not sound like fun. And fun this survey should be. We plan to come back again in August for a second session -it will be interesting to see what else is flowering later. And on today's reckoning, I'll definitely be back for more next year.
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- Family Internet TV v.2.1.1Family Internet TV Safe & Easy To Use ...
- Camcolada v.1.0.7Video chat messenger, with video profiles, Flirts, V-Mail, Music Video Streams.