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Meet the ApplegatesRuntime: 90 minutes
Meet the Applegates is a comedy film released in 1990. The film stars Ed Begley Jr. as Richard P. Applegate, Stockard Channing as Jane Applegate and Dabney Coleman as Aunt Bea. Meet the Applegates was produced for $5,000,000. Since it's release it has grossed over $0 in ticket sales.
Filming Locations
Los Angeles County Arboretum & Botanic Garden - 301 N. Baldwin Avenue, Arcadia, California, USA
Neenah, Wisconsin, USA
Oshkosh, Wisconsin, USA
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Pump Gyms is on a mission to deliver more for its members and has chosen Dyaco to equip its new £1.5m gym in Watford.
Pump Gyms opened its first site in Watford in 2011, with an ethos of offering a premium fitness experience at an affordable price. Over the next seven years, its portfolio increased to five sites across the south of England, with its convenience and flexible approach proving popular with members.
However, Pump Gyms CEO Marc Platter is constantly reviewing the offering and identified the need to enhance and further differentiate the experience within his gyms to drive retention. A key part of this was reviewing equipment and Platter's initial priority was the original Watford gym, taking the decision to invest £1.5m in closing the original site and transitioning to a new location.
With a completely blank canvas and looking for industry-leading equipment, he was drawn to the diverse product offering of global fitness manufacturer Dyaco, which boasts Spirit Fitness, gym80, UFC and Ziva among its product portfolio.
Platter worked closely with the team to identify a complete solution for the Watford club, impressed by the customisation options of the products Dyaco was able to provide. The resulting solution was a product offering that was bespoke and unique to Pump Gyms' brand styling and requirements, helping create a cohesive look throughout the club and a wow factor for members.
"Choosing to work with Dyaco on our new Watford site was an easy decision," says Platter. "The broad range of class-leading products they were able to provide far eclipsed that of other providers. Now we're an established operator, enhancing our current model and providing our members with a unique, premium experience is so important. Members will be delighted with their new-look gym and having 24/7 access to high-spec equipment at an affordable price."
Taking the decision to offer premium-level cardio products to members, Pump Gyms installed the Spirit Fitness 900 ENT range in newly-released, sleek, black and grey colourway. These cardio products feature integrated touchscreen displays offering entertainment options and a wide choice of training programmes.
Platter recognised that the strength training areas needed to be a key feature of the new Watford site and Dyaco created a bespoke solution from its gym80 range, which offers over 350 products covering plate-loaded and selectorised strength equipment.
Pump Gyms chose 18 products from the Core80 range and complemented these with 50 from gym80's Sygnum and Pure Kraft ranges, with their own choice of frame finish, upholstery and stitching.
"The products have attracted new members, with a 25 per cent increase in membership in the first month," says Platter.
For further information contact the Dyaco team on 0800 0293865, or email firstname.lastname@example.com
When The Marlow Club in Buckinghamshire decided to add a premium standalone yoga and Pilates studio to its offering, Physical Company was appointed as supplier partner, thanks to the company's ability to deliver an end-to-end equipment solution.
PilaYoga offers a fully immersive mind-body experience, enabling members to disappear into a world of tranquillity and calm, completely cut off from the hustle and bustle of everyday life.
The beautifully designed studio is an extension of The Marlow Club, with the benefit of a dedicated entrance, allowing it to operate as a standalone facility with its own identity and membership. In addition to a large studio, which hosts a full timetable of mat-based yoga and Pilates classes, PilaYoga also incorporates a second studio, dedicated to reformer Pilates.
"Over the last few years there's been a steady increase in the demand for a more holistic fitness and wellbeing offer," says Jon Williams, COO at the Marlow Club. "PilaYoga is our response to this.
"In order to deliver the high-end look and feel we were after, it was really important that the equipment we chose matched the quality of the design and finish.
"Physical Company has been operating for 30 years and has developed a reputation for the provision of high-quality products and great service. The fact that the company was also able to offer a full equipment solution, from Pilates reformers to studio accessories, meant the partnership made total sense."
Mind-body leader
Physical Company has supplied four Merrithew reformers for a dedicated studio. Williams says: "Merrithew is a global leader in mind-body education and equipment. Just last year, Physical Company extended its partnership with Merrithew and became an official distributor of its reformer range, adding to a long-term partnership that had seen the company distributing its comprehensive accessory range. This was perfect timing for us.
"The decision to offer reformer Pilates meant a significant investment for us and not one we could afford to get wrong. I'm pleased to say that the decision to go with the Merrithew brand has been absolutely the right one. Physical Company installed on time, at short notice, ensuring all four beds were in situ and fully functional in time for our VIP launch.
The company has also supplied a range of accessories, including Merrithew™ stability barres, pilates power rings, Airex mats, foam rollers and weighted pilates balls.
Holistic approach
Williams adds: "The high-quality accessories beautifully complement the quality of the design and build. Physical Company has been able to supply everything we need within our specified budget, offering great service and value."
Mind-body is a core product category in the Physical Company portfolio. John Halls, managing director, says: "With yoga inching its way up the ACSM fitness trends table, we anticipate a growing demand for a more holistic approach to fitness. We're very proud of the fact that we offer a full mind-body studio solution. PilaYoga is a beautiful example of how we can provide a one stop holistic solution that oozes quality and style."
For more information about Physical Company visit www.physicalcompany.co.uk or call 01494 769222.
Nuffield Health has launched a major gym floor transformation programme in partnership with Technogym, investing in the brand's latest smart equipment innovations to enhance the member experience in-club.
This investment has effected a transformation in the overall gym floor with the introduction of training zones kitted out with carefully selected Technogym kit and new zonal classes which provide an optimum customer journey and a truly tailored workout.
Customised fitness
Chris Scragg, national commercial manager at Nuffield, says: "We're committed to providing amazing customer experiences; our vision was to design our gym floors so they were built around the different needs and goals of our members. This meant finding a partner for our equipment that could enhance and connect this journey."
Four zones have been launched to reconfigure the gym floor, using Technogym SKILL LINE products and programming that is customised to individual fitness levels, focusing on the development of power, agility, stamina and speed.
1. SKILL ZONE – includes the performance treadmill SKILLRUN, as well as boxing bags, functional rig and other functional accessories to deliver varied, high intensity interval training workouts either one-to-one or in groups. A new timetable of gym floor classes brings the boutique experience into the club environment.
2. SKILLRUN ZONE – a dedicated performance treadmill zone using three different programme profiles to create an effective workout built around strong technique and coaching.
3. SKILLROW ZONE – a gamified experience using immersive technology and the SKILLROW's unique AQUAFEEL resistance. Rowing in teams or rowing alone, members feel as though they're really on water, without ever leaving the gym.
4. SKILLBIKE ZONE – members compete against others in challenges or maximise individual performance through two modes, designed to drive speed and power.
Enhanced training
All fitness coaches have been fully trained to enhance the experience even further, with the support of the dedicated Nuffield Health Academy team, alongside Technogym master trainers. This training has been carefully structured to ensure all experiences are built around members' needs, adjusted to suit all levels and goals.
"We recognised training was the critical underpinning factor for landing this transformation," says Scragg. "Technogym was instrumental in this delivery, ensuring we embedded the best product knowledge in our teams, in turn creating the strongest possible support and guidance for members embracing the new kit and zones.
"Engagement has increased and paved the way for further rollout in 2019. We've seen usage surge but most importantly the results members are experiencing is amazing. This year we'll raise the bar even higher in terms of engagement, content and digital connectivity, with the Technogym product underpinning the delivery of our 'Connected Health' strategy within our clubs."
Nuffield Health has partnered with Technogym to bring members the very best gym floor experience, guidance and support and uniquely designed training zones. Discover Technogym by visiting


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You can join Earn Easy commissions for free and still earn an income. The free membership provides you with a unique affiliate link that you can share. Free members will have access to promotional tools; Banners and Solo Ad email swipes and Facebook images. I personally do not use solo ads as a marketing strategy due to the cost and risk associated with them.
What's up ladies and dudes! Great to finally meet you, and I hope you enjoyed this post. My name is Nathaniell and I'm the owner of One More Cup of Coffee. I started my first online business in 2010 promoting computer software and now I help newbies start their own businesses. Sign up for my #1 recommended training course and learn how to start your business for FREE!
CashCrate sends out literally thousands of payments a month to users just like you who spend time completing surveys and offers on CashCrate.com. How do they do it? Well, they do surveys and offers regularly. It really adds up! Your initial goal should be to meet minimum payout, which is $20.00. Making $20.00 in free cash is actually quite easy considering there are hundreds of surveys and offers available, but here are a few tips to get you to your goal faster:
GoodFinancialCents.com has an advertising relationship with some of the offers included on this page. However, the rankings and listings of our reviews, tools and all other content are based on objective analysis. For more information, please check out our full disclaimer. GoodFinancialCents.com strives to keep its information accurate and up to date. The information in our reviews could be different from what you find when visiting a financial institution, service provider or a specific product's website. All products are presented without warranty.
This is a more technical way to make money online then most of the other strategies given. But you can get an excellent course on how to make it happen with Steve Chou's Create a Profitable Online Store program. Steve and his wife have built a highly successful online store – selling wedding napkins – and he's anxious to provide insider secrets to people who sign up for his course..
Since the emergence of affiliate marketing, there has been little control over affiliate activity. Unscrupulous affiliates have used spam, false advertising, forced clicks (to get tracking cookies set on users' computers), adware, and other methods to drive traffic to their sponsors. Although many affiliate programs have terms of service that contain rules against spam, this marketing method has historically proven to attract abuse from spammers.
Earning income via Target affiliates, however, requires a bit of work. Cookies expire in just seven days, and commissions can be as low as just one percent, so you'll need to be operating a high-traffic website in order to make serious cash with this program. But with Target's much-beloved brand reputation and vast catalog, relevant product links can be a big earner for established influencers.
One last thing to consider: even if your product listings point to reputable retailers, visitors might be confused or freaked out when they're sent to other sites when trying to purchase your curated products. By being upfront about your affiliate relationship and how the site works, you'll increase trust and remove any doubts they have about shopping with you.
If you're writing reviews, you should 100% be using rich snippets (they add review stars to your search engine snippets and increase click-through rates). There are many WordPress plugins for this but my favorite is WP Rich Snippets. It's $69/year (or $399 one-time) and I use it for every single review I write. They have tons of add-ons, settings, styling options, and looks nice. Free plugins like All In One Schema.org do work but lack settings, styling, and flexibility.
Some merchants run their own (in-house) affiliate programs using dedicated software, while others use third-party intermediaries to track traffic or sales that are referred from affiliates. There are two different types of affiliate management methods used by merchants: standalone software or hosted services, typically called affiliate networks. Payouts to affiliates or publishers can be made by the networks on behalf of the merchant, by the network, consolidated across all merchants where the publisher has a relationship with and earned commissions or directly by the merchant itself.
A spin-off for web designers is to offer a landing page creation service. Well-optimized landing pages can be the difference between a successful and a failing business. And, as creating the perfect landing page isn't easy, this is a service many businesses are prepared to pay for. I know people who are earning 6 figures per year and all they do is create landing pages for businesses. There's serious money to be made.
Robert said he did an average of 4-6 of these gigs per year for a while depending on his schedule and the work involved. The best part is, he charged a flat rate that usually worked out to around $100 per hour. And remember, this was pay he was earning to advise people on the best ways to use social media tools like Facebook and Pinterest to grow their brands.


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An active & lounge wear clothing line inspired by YOGA. Using sustainable materials and 100% made in the USA...even down to the zipper!
No sweat: advanced workout shirt changes color according to your body heat, revealing muscular/ vascular action while keeping you dry.
A sport safety belt that is illuminated by a patented LED system that utilizes thermoplastic polyurethane fiber optics.
The Kammok is the camping hammock built for the individual adventurer. Made of a lightweight, tear resistant, and breathable LunarWave fabric, the Kammok is designed for those no longer wanting to be bound to the ground.
After a friend had his bike light stolen and was struck by a car, Gotham Bicycle Defense Industries decided to fight back with the world's first anti-theft bike light. It's made of lightweight aluminum with ultra-bright LEDs and 100 hours of battery life.
A combination dual tone, high-decibel bike horn and front beacon light designed to make you more visible and "hearable."
Featuring adjustable insulation to save the wearer from having to buy extra layers while also reducing the clothing's weight, it works via NobleTek technology which insulates using noble gas chambers.
Constructed from die-cast aluminum, not plastic. Once installed, they are part of your bike. They won't jostle, rattle, or interfere with your cables. They're solid, sealed, tamper-resistant, and stupidly bright.
The first multi-sport watch you'll love! Slim lightweight design. No-wait GPS. Plus a must-have safety alert for solo workouts.
An elegant, all-metal activity tracker that you can sync with your smartphone just by placing it on your phone screen. Find out how active you are every day, and set goals to become more active. Wear it how you want, wherever you want.
An incredible, high-performance boat that folds out of a compact case. Inspired by origami, this innovative kayak transform quickly, easily and almost magically.
Lean Forward to Go. Lean Back to Stop. That's how you ride the ZBoard, the world's first, weight-sensing electric skateboard.
The first in a line of products to help keep cyclists safe by creating large, brightly lit surfaces on the rider, not the bike.
A plug-and-play heart-rate sensor for Arduino. It can be used by students, artists, athletes, makers, and game & mobile developers who want to easily incorporate live heart-rate data into their projects.
A blindingly bright, lightweight, ultra-compact headlamp built around a custom Lithium-polymer battery.
A modern, effective, military grade, durable whistle that is louder and stronger than the ordinary safety whistle, resistant to corrosion, portable, securable, beautifully designed.
Bedrock Sandals bring an ancient style of minimalist footwear to life with modern materials and killer colors made in the USA.
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Y chromosome
noun Genetics.
a sex chromosome of humans and most mammals that is present only in males and is paired with an X chromosome.
Why Are A, E, I, O, U, And Y Called "Vowels"?In elementary school, we all learned the vowels of the English language: A, E, I, O, U and sometimes Y. But, what makes a vowel a vowel?
Compare X chromosome.
Origin of Y chromosome
First recorded in 1920–25
Dictionary.com Unabridged Based on the Random House Unabridged Dictionary, © Random House, Inc. 2019
British Dictionary definitions for y-chromosome
the sex chromosome that occurs as one of a pair with the X-chromosome in the diploid cells of the males of many animals, including humansCompare X-chromosome
Collins English Dictionary - Complete & Unabridged 2012 Digital Edition © William Collins Sons & Co. Ltd. 1979, 1986 © HarperCollins Publishers 1998, 2000, 2003, 2005, 2006, 2007, 2009, 2012
Medicine definitions for y-chromosome
The sex chromosome associated with male characteristics, occurring with one X-chromosome in the male sex chromosome pair.
The American Heritage® Stedman's Medical Dictionary Copyright © 2002, 2001, 1995 by Houghton Mifflin Company. Published by Houghton Mifflin Company.
Science definitions for y-chromosome
The sex chromosome that is paired with an X-chromosome in males. Most of the genes on the X-chromosome determine physical attributes associated with males, such as the development of testes. See more at sex chromosome. See Note at sex.
The American Heritage® Science Dictionary Copyright © 2011. Published by Houghton Mifflin Harcourt Publishing Company. All rights reserved.


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Pick up the Darkthrone True Norweigan Black Metal Official New Black jersey Beanie Hat today and proudly display your love for the metal band Darkthrone.
Perfect for when you're at a show, in the pit, on stage, backstage or simply at home. Complete your Black Metal band merchandise collection and check out these similar items below.
Find more Darkthrone Merch on Amazon
See if Darkthrone is playing a show near you


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Annual Turnover Rs. 50 Lakh - 1 Crore GST No. 24ABJPP8412B1ZX We "Labh Handling Systems" are a dependable and famous manufacturer of a broad range of Belt Conveyor, Belt Elevator, Masala Mixing Blender, Loading And Unloading Conveyor, Screw Conveyor, Vibro Screen, Ball Mill, etc.
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Belt Turnover Bending and Twisting Stresses in Conveyor Belts Belt turnovers are commonly used in conveyors to rotate the belt so that the ... The belt turnover length has traditionally been sized on only the twisting stresses.
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Backed by rich practice, we are capable to offer a varied range of Conveyor Belt, Timing Belt, Industrial Conveyor Belt and many more. Our offered products are extremely known in the market owing to their longer life and high strength.
A conveyor belt is the carrying medium of a belt conveyor system (often shortened to belt conveyor). A belt conveyor system is one of many types of conveyor systems.A belt conveyor system consists of two or more pulleys (sometimes referred to as drums), with an endless loop of carrying medium—the conveyor belt—that rotates about them. One or both of the pulleys are powered, moving the belt ...
A cut-resistant conveyor belt features true tracking and offers flexibility without over stretching or damaging the belt structure. From a black PVC conveyor belt to FDA/USDA replacement conveyor belts, browse through Grainger's huge catalog of various conveyor components.
Surefeed Feeders Parts and Belt Kits. INKJET FRICTION FEEDER SERIES MANUALS: Feeder Model: Description. Parts
The Take Away Conveyor is positioned at the end of the Reject unit. As each product is diverted, the Take Away Conveyor acts as a bump turn and collects the products. The Take Away Conveyor indexes one or two inches per product. Thus, a shingled stream of the rejected product is created. Turnover Conveyors are available in a variety of models.
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A conveyor belt is the carrying medium of a belt conveyor system (often shortened to belt conveyor). A belt conveyor system is one of many types of conveyor systems. A belt conveyor system consists of two or more pulleys (sometimes referred to as drums),
The Belt Turnover, available in either a 6" x 9" or 10" x 13" model is equipped with 2 1/4" wide grip gum belts (helping to handle glossy products), clear, durable lexan covers and an extended support rod, providing greater control (up to 11" wide material).Adjustable belts are included to increase belt to product friction, helping eliminate "slip feeding".
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Why I paint.
I believe art should be striking. So I go for the feeling, even if it borders on the abstract. My hope is to inspire or provoke an emotional reaction with my work — a new way of seeing something. Everything has movement. It's all going somewhere. I just try to freeze-frame it — capture the the flow, muscularity and inner beauty of the subject matter.
I start out with an idea in mind hoping to create a simple statement — striving to reduce what I see to the bare essentials. Each brush stroke is like taking a risk, a chance to get lucky. I use oil paint in over-lapping, thin layers to accentuate brush strokes that push and smear motion across the canvas. Somewhere along the way, the painting takes over. Then I give it a shove in that direction.
I can't help but be influenced by painters like Willem and Elaine de Kooning. They both inspire me to compose with a purpose. To just put it down without much calculating. Get it out.
My hope is that you'll find my paintings arresting and that they'll touch you somehow.


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Construction's road to redemption in 2019
Will a New Homes Ombudsman redress balance between buyer and developer?
After a difficult period, the construction industry faces a battle to restore its reputation, which is why formal regulation is needed, says Chris Blythe.
There is no doubt that the last 18 months have been like a journey to hell. All aspects of the industry have been called into question.
Professionals, trades, inspectors, plc directors, developers and clients – their competence, professionalism, ethics and honesty are all on the rack.
Dame Judith Hackitt in her report was excoriating about the failure of the professionals and how the gaming of the system led a drive to the bottom driven by greed, ignorance and indifference.
The highly respected Neil Stansbury of the Global Infrastructure Anti-Corruption Centre pointed to Carillion as a "great example" of corruption and said that "blind eyes have been turned at the very least". The CIOB's most recent survey had 48% of respondents saying that corruption was common practice in the industry, yet very few prosecutions have been forthcoming.
"Perhaps we are seeing the first steps along the road to redemption. Some of the big contractors are finding it difficult to borrow money from their client, their subcontractors or the banks, so are having to turn to their shareholders for the money."
As far as housing is concerned, we have had the scandal of leasehold practices by the housebuilders revealed and although the government have said they are going to do something about it they have done nothing yet. On the other hand, there is the promise to introduce a New Homes Ombudsman to redress the balance between new house buyer and developer.
No doubt those advising the developers are already looking at ways to game the system and neutralise the proposed Ombudsman.
This week we hear that there are 88,000 homeless children in London – enough to fill Wembley. Yet developers moan that they are being held back from building more property for sale to wealthy foreigners – places to stash their cash which generally remain unoccupied. You wonder how people sleep at night.
This week we hear that a settlement has been reached in the Edinburgh schools debacle, where the Edinburgh Schools Partnership are going to meet all the costs relating to issues. I cannot imagine there would be any doubt that it could be otherwise – and again it is a scandal that it has taken so long to get to this point.
Perhaps we are seeing the first steps along the road to redemption. Some of the big contractors are finding it difficult to borrow money from their client, their subcontractors or the banks, so are having to turn to their shareholders for the money.
Meanwhile, some specialist contractor trade bodies are urging their members to deal directly with the client to improve cash flow.
Another step is the belated recognition that a fundamental requirement for anyone working in the industry is to have the relevant competency. The work spinning out of the Hackitt review will have a significant impact on the industry and force professionals to be able to demonstrate competency not just assume it because of the number of post-nominals.
For the first time, construction is likely to be regulated. Initially around fire safety and then across other safety-related aspects of buildings.
Time for statutory regulation
All the issues around competence and ethics mentioned above have forced the government to take the initiative in its attempt to right the wrongs – because the industry has not done so itself. Admittedly in some cases the government has not acted where it should have done, for example, after the Lakanal House fire, but there was nothing to stop the industry from acting for itself.
Construction has been a self-regulated industry – but now it is time for statutory regulation. This has happened in other sectors, namely law, accountancy and medicine.
To be really seen to be on the road to redemption, and to regain public trust, the professionals within the industry need to speak up when they see or hear things which are not in the public's interest. To do nothing is being complicit in the crime.
Chris Blythe is chief executive of the CIOB
Interesting article which points out issues that we Project Managers & Site Managers have witnessed for decades.
It's about ownership and responsibility's PMs and Senior Site Managers will take ownership and accept their responsibilities that come with their roles.
The minimum they expect to run a Site in an efficient, effective and safe environment is information on procurement and Contractors packages often these are put in place by QS with no understanding as to what is involved day to day on a Construction Site the result is endless emails requesting labour , materials and H & S equipment only to be told so and so is in the Contractors package they inform it's not or no money in budget.
A suggestion would be to have all involved with the Construction process help with understanding each other's roles and responsibilities before the process begins.
The Architect, Engineer , Quantity Surveyors and Directors should complete an SMSTS course this would open their eyes as to what us Project Managers and Site Managers deal with on a daily basis.
Contractors responsibilities must be clear and comprehensible and site specific RAMS submitted.
Design responsibilities for Scaffolding usually H &S last minute with no thought as to the added expense.
Quality and Workmanship Contractors should take full responsibility for supervision off works any snags or issues to be recitifed immediately.
All involved should have an understanding of the type of contract the project is working under from the start with rententions and penalties made clear.
As the CIOB has mentioned in the past more should be done within the industry to assist Tradesmen and Women with a minimum of 10 years experience move into Supervisory then Managment roles acting as a number 2 to an experienced Manager used to be the way but unfortunately we are now told no allowance in budget !!!
Too many companies find ways to avoid prosecution due to inactivity of the government. Having the relevant qualifications is vital but not the whole picture. The problem rests with those in position who are choosing to ignore the rules by letting who ever slip through the net, that's the real issue. Statutory regulations! are building regulations not statutory??
having returned to education after 25 years as a joiner to gain my Bsc hons in construction management I now find that a 5 day SMSTS course is all they want , the reason I went back to education was to ensure I have the correct accreditation to hold the role and not just be one of those many site agents who we can all tell are winging it , I was sick of being on sites and being told to do things I knew were wrong but as it was on them you just do , now actively looking to get back into industry and hopefully be able to get the right assistant site manager role under a good number 1 and bring the quality side back into our industry at least that's my ambition ,
How many of the people cited above (Carillion management, etc) are members of the CIOB or RICS or the various accounting bodies?
Do these 'professions' have any accountability in these matters?


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Breeding with honesty and integrity for over 30 years we have produced gorgeous black and silvers, salt and peppers, and white puppies to be your loyal loving companion.
With 20 plus years in Real Estate she specializes in sales and marketing along with property management.
Phone Number:, addresses: 1242 Pine Song Dr, Deltona, FL; 3129 E Park Row Dr Apt 244, Arlington, TX; 117 Biscayne Ct, Mooresville,.
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Related To, karen Gamble, James Gamble, Eric Gamble.Weitere Informationen zu unseren Cookies und dazu, wie du die Kontrolle darüber behältst, findest du hier: Cookie-Richtlinie.Wir verwenden Cookies, um Inhalte zu personalisieren, Werbeanzeigen maßzuschneidern und zu messen sowie die Sicherheit unserer Nutzer zu erhöhen.Just received from Donald.She felt her most important job as a mother, grandmother, sister, and aunt was to transmit her faith in Jesus Christ to her family.View Premium Content not publicly available on the m App.Also known as, sandra Gilchrist, Sandra J Bates, San Gamble, Sandy Gilchrist.


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When compiling the review of 2019, the poor unfortunate junior journalists landed with the tedious task will more than likely immediately focus on the fourth week of July, writes YEP columnist Blaise Tapp.
There can be very little doubt that last week was one which will last long in the memory. For some, it will be the glorious week that the blond saviour of the Right, or as one columnist described him, Brexit's Churchill, rode into Downing Street to claim his birthright. To others, it was seven days to forget: when a politically toxic hybrid of Benny Hill and Fozzie Bear cheerfully bumbled his way to the very top of British Establishment, setting us on an irreversible collision course with social and economic Armageddon.
Whatever your view of Boris Johnson, the manner of his anointment and the subsequent high drama which followed rivalled anything put out by Netflix or the BBC in recent years.
Then there was the weather. The hottest July day on record had the less hardcore among us begging for rain while train tracks buckled and ice cream sellers afforded themselves a rare smile. Whether or not you were reaching for the baby oil in order to top up the tan or were doing something unspeakable with a family bag of Sainsbury's frozen vegetable medley in a vain attempt to cool down, you won't forget last Thursday and its Saharan temperatures in a hurry.
In the Tapp household, however, last week took on a special significance for a completely different reason, as I took my son to his first ever professional football match. The footy fans among you will know what a big deal the first match is - it is up there with the first pint, bar mitzvah and debut at the Bullingdon Club, if you are that way inclined.
Not that my nipper will remember a great deal about his first trip to a game, given that he is a fortnight off his fourth birthday but the trick for parents who are devoted to lower league clubs is to get their offspring hooked while they are too young to know any better. Leave it too late and the danger is that they have their head turned by the bright lights of the Premier League. Before you know it, they will be talking to their pals about their well-groomed idols and wearing a replica shirt with the names Salah or, even worse, Aguero, printed on the back. If you want the tradition to be passed to the next generation, it is imperative that the brainwashing begins early, which is precisely why his sister and I chose a pre-season friendly in Crawley for my lad's first Portsmouth match.
Needless to say, his first time out was a hit and it won't be long before he is a regular. While many will remember late July 2019 for the political whirlwind that visited us all, there is a little lad who will appreciate the significance of the date for a completely different reason.


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Deputy Prime Minister and Minister for Finance, Krishna Bahadur Mahara, and Li Keqiang, Prime Minister of the State Council of the People's Republic of China, held a meeting at latter's office at Zhongnanhai in Beijing this morning.
During the courtesy meeting, the Chinese Prime Minister thanked DPM and Finance Minister Mahara for the kind invitations extended to Chinese President, Xi Jinping, and the Premier himself of the People's Republic of China.
On the occasion, the Chinese PM said that the ministries of Foreign Affairs of the two countries will stay in touch for necessary coordination, the Embassy of Nepal, Beijing stated in a press release.
Similarly, DPM Mahara expressed his gratitude for the Prime Minister's valuable time and appreciated the government and people of China for their generous support and cooperation in Nepal's socio-economic development.
The Chinese PM Keqiang assured the visiting DPM Mahara about China's willingness to extend all possible cooperation for Nepal, saying China and Nepal have always developed pragmatic relations.


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In particular they list over 50 art galleries and museums in town. Water Sports. Chef Jose Luis Ponce. But no matter where you are, it's always smart to stay safe and aware of your surroundings, no matter your sexual orientation. This level has everything you need to relax and have the full spa experience. Free condoms are available at Spartacus. Regular rooms include a bed, mirror, fan, and an electronic safe to safely store your belongings.
Cassandra Shaw Jewelry Basilio Badillioelegant store, original and unique handcrafted designs in the art of bijoux for both men and women.
Reviewed May 11, An Exaggerated Experience You decided not to have a good time based on the clientele's age of that day from the very start. Average But back to the story.
Cafe Bohemio Rodolfo Gomezpatio bar and bistro, romantic outdoor dining, friendly host Sol and staff keep it casual.


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Hmong ethnic minorities' culture introduced in France
Forty nine objects featuring the Hmong ethnic minority group are being displayed at the La Rochelle Natural History Museum of France's Nouvelle Aquitaine region from January 31 till December 31, 2019.
Owned by the museum of the Northern mountainous province of Lao Cai, the items include clothes, jewelries, seed varieties, fabrics and hunting tools, among others, with total insurance value amounting to VND 84.57 million (USD 3,660).
The showcase is one of the activities within a framework agreement on cooperation between Lao Cai and the Nouvelle Aquitaine region during the 2017-2019 period, aiming to promote collaboration in promoting their cultural and tourism products.
Located in the heart of the city of La Rochelle for almost two centuries, the La Rochelle Natural History Museum preserves, presents and shares its naturalist and ethnographic knowledge of the region.
Renovated in 2007, the museum features a new and modern aspect today, enhanced by an interactive museum, offering visitors a journey into the region's natural and cultural heritage. With its new exhibition, the museum offers a new perspective on natural history, and the discovery, mediation and entertainment mechanisms to provide enriching visits.
Source: People's Army Newspaper


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At Granlibakken Tahoe
Sierra Soul: Elevated Healing at Granlibakken Tahoe
Granlibakken brings a series of health and wellness events to rejuvenate your mind, body, and soul in the Sierra Mountains near Lake Tahoe. Capitalizing on Tahoe's vibrant community of therapeutic modalities, health practitioners, and lifestyle coaches, Sierra Soul allows you to discover the power of elevated healing and what 6,300 feet can do for the soul.
Click here for more information about our Wellness Event Series.
Wellness Weekend packages now available for Nov 8-10
Buy A Wellness Weekend Ticket
Interested in hosting your own wellness retreat?
Granlibakken Tahoe offers an unparalleled location, as well as everything needed to host a memorable and meaningful retreat.
Burnout to Peace Out Retreat
Unhustle® + Astrology | Lake Tahoe | Sep 19 - 22
Join Milena and Sandy for 4 days and 3 nights in the West Shore of Lake Tahoe at Granlibakken to celebrate Autumn Equinox, Peace Day, learn Astrology and get Unhustled.
Learn More about Burnout To Peace Out Retreat
Participants will learn and experience - digital detox, connection with nature, mindful movement, uncovering your gifts, communication challenges, guided meditations, biohacking, breathing techniques, QiGong, cold therapy.
By developing your morning ritual with the Unhustle Morning you will be able to start each day focused and go through your day fully committed to one thing at a time. Develop new habits and commitments to a better version of yourself that will profoundly impact your personal and professional life. And most of all, take care of yourself so you can take care of others.
Click here for more information about the instructors
Unhustle® Retreat Burnout to Peace Out In partnership with our astrology friends, Sandy and Alex from Intention Beads.
Focused on people who need to take time to learn astrology, unhustle, connect with what's important, recharge, and experience life in the moment while taking time for themselves. Get out of your to do list and into your being and higher self.
Click here for more information about Burnout to Peace Out Retreat | Unhustle® + Astrology | Lake Tahoe | Sep 19 - 22
Wellness at Granlibakken
Day Spa Services
Welcome to the Lighthouse Spa mountainside at Granlibakken Tahoe, a relaxing spa nestled in the middle of nature and surrounding Sierras. Here you'll enjoy the opportunity to unwind, center and refocus into a healthier more grounded you. Treat yourself to a massage or facial during your visit to the Granlibakken Resort or combine several days for an extended weekend of wellness. Create a peaceful escape and perfect addition to your North Lake Tahoe getaway.
More information>>
Yoga at Granlibakken
We invite you to take advantage of the fresh mountain air and inspiring natural surroundings to breathe peace, flexibility and balance into your vacation and into your life. Whether you are here in the mountains on a work conference, family vacation or ski weekend, adding yoga to your experience will leave you feeling lighter and clearer, and there are so many ways to enjoy it!
Yoga Classes
Every Saturday* 9:30-10:45 AM
This class is open to all ability levels
Class Description:
Our true essence is among the trees, the breeze and the natural world. Join Yoga Room teacher Ellie Perry for this all levels flow and dynamic movement yoga class. Ellie will guide you into the breath and with the breath into intentional movements.
Please pre-register for this class to your best ability. Granlibakken guests, locals and students of the Yoga Room welcome!
About Ellie:
I began my yogic journey in my late teens. At first, I was drawn to the practice for its physical benefits since I had always played sports, but was soon rewarded with the mental and emotional effects that yoga can have on one's life. I suffered from anxiety paired with sleeping problems and found yoga to be an amazing alternative medicine. Since, I have received my 200hr YTT in Bali, Indonesia in order to share such a beautiful gift with any and all who are curious.
I strive to provide students with classes that are accessible for all levels, while presenting a challenge for each individual. I feel that yoga should be a playful activity that also encourages each of us to grow, both mentally and physically, from the experience. I seek to provide a space in which students can gain awareness as well as insight to the workings of their bodies and minds. No matter the skill level or amount of practice one has, I encourage everyone to come play on the mat with me! I am excited to become part of such an awesome community of yogis and look forward to meeting you!
*Some Saturdays are excluded. Please call 530-583-4242 or click here for information
Private Yoga Instruction
Ashley Aarti Cooper works with Granlibakken Tahoe to help guests and attendees of retreats to further their yoga practice through private instruction and nature walks.
Ashley Aarti is a lover of nature, books, music, people and creatures. She sees Yoga as an opportunity to explore who you truly are, and the infinite potential to what and where your life can lead. Yoga is connection as you find it, whether it is playful and fun or melodic and profound. Ashley has been practicing Yoga for fourteen years both on and off the mat.
Ashley received her 200 hour YTT in Goa, India. She has taught in studios and lead yoga retreats internationally and within the United States for six years. She currently lives in Truckee, CA, and specializes in private yoga instruction for one-on-one to large group classes including extensive experience teaching with the Wounded Warrior Project. Ashley works with therapeutic techniques and is studying to become a Yoga Therapist, recently completing the first 100 Hour "Yoga is Medicine" Advanced YTT with Avahana School of Yoga. Concentrating on a true yolking of breath, movement and spirit, Ashley's classes are meditative, explorative and fun.
Please visit ashleyaarti.com for more information.
Yoga Retreats
The Sierra Soul Series of Wellness Events features retreats designed for all ability levels. These annual retreats are designed for people of all abilities, and offer an unforgettable experience furthering your practice while taking in Granlibakken's naturally inspiring surroundings.
Check out our wellness packages for dates of our annual yoga retreats.
The Soul Shelter:
A Meditation and Yoga Space
Granlibakken has renovated the Courtview room in the heart of its property to become the new Soul Shelter, a yoga and meditation space. This space boasts an abundance of natural light, wood floors, and neutral tones to help you feel at peace. Mats and blankets are also available to borrow. This room is open to all guests, and can also be reserved for private sessions for groups. Rejuvenate, unwind, and relax on your next getaway.


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Justin, Tarnel, and Sev breakdown the midseason finale for season four and discuss the season so far as a whole.
S4 E7 - The Wrong Side Of Where You Are Now
Justin, Tarnel, and Sev discuss the gun batle and flashbacks of this episode to try and better piece the backstory together.
S4 E6 - Just In Case
Sev, Justin, and Tarnel break down the episode and speculate about Madison and John Dorie's fates.
S4 E4 - Buried
Sev, Justin, and Tarnel discuss the events of the episode as well as story telling devices and pacing for this episode.
S4 E3 - Good Out Here
Sev, Justin, and Tarnel discuss the events of episode three and what that means for the group going forward, as well as Charlie.
S4 E2 - Another Day In The Diamond
Sev, Justin, and Tarnel discuss the direction of the new season, the change in personalities, and speculation about The Vultures.
S3 E15/E16 - Things Bad Begun / Sleigh Ride
Tarnel and Sev close out the third season of Fear The Walking Dead.
S3 E14 - El Matadero
Eddie, Sev, and Tarnel discuss the death of a character and plot twist of Nick.
S3 E11 - La Serpiente
We discuss everything leading up to and at the dam.
S3 E9/E10 - Minotaur / The Diviner
The crew discusses the season 3's midseason premier.
S3 E7/E8 - The Unveiling / Children of Wrath
Justin, Sev, and Tarnel breakdown the mid-season finale for Season Three of Fear The Walking Dead.
S3 E6 - Red Dirt
Tarnel and Sev discuss the push for power in Episode Six Season Three "Red Dirt".
S3 E5 - Burning in Water, Drowning in Flame
Tarnel and Sev discuess the many storylines in Burning in Water, Drowning in Flame.
Tarnel and Sev go over episode three of Fear The Walking Dead season three, while Tarnel has struggles staying awake. Horrible episode.
S3 E1/E2 - Eye of the Beholder / The New Frontier
Tarnel and Sev discuss the double episode premier of season three of Fear The Walking Dead.
S2 E14/15 - Wrath / North
Eddie, Sev, and Tarnel dive in to the season finale of Fear The Walking Dead which contained two episodes named "Wrath" and the other is "North". Madison is continuously making every situation worse, Nick trying to lead La Colonia to safety, and what is going on with Ofelia?
S2 E13 - Date of Death
Eddie, Sev, and Tarnel discuss the events in the penultimate episode of season two of Fear The Walking Dead. Chris and Travis have a huge rift and Travis can't deal. Madison tries to mom better but still can't fully connect right.
S2 E12 - Pillar Of Salt
Eddie, Sev, and Tarnel discuss episode 12 "Pillar of Salt" of AMCs Fear The Walking Dead. Full crew back for this episode as we discuss the re-emergence of Ofelia, Alejandro spiraling, the safety of La Colonia, Strand's health, and Madison's irrational behavior. Also a special treat after the outro.
S2 E11 - Pablo & Jessica
Tarnel does a solo recap of Episode 11 "Pablo & Jessica" of Fear The Walking Dead. Madison and company try to secure the hotel and gain numbers. Meanwhile Nick's status in La Colonia seems to be rising.
S2 E10 - Do Not Disturb
Sev, Justin, and Tarnel discuss the events of "Do Not Disturb". Travis and Chris are at odds on philosophies of navigating the apocalypse. Alicia meets a new survivor and searches for the others.


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Bet you've been missing hearing from me, huh? If not, go away, I don't need you anyways. That lady tells me I should be nice but forget it. I'm a cat. We don't do nice unless it suits our own needs. So far, I get what I want even if I'm only a sweet little …
Tag Archive: Fox
Aug 01 2008
The cat is back
Jul 06 2008
It's an invasion!
Mom likes to feed the birdies (and Zoe Monster loves to watch them) so we have a couple of bird feeders around the house. The problem with this is that birds aren't the only ones who like the seeds. Personally, I don't see what's the big deal about seeds. I've tried them and they're like …


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atVenu is looking for a Tools Developer to bring more efficiency in developing and delivering software services to our customers. You will be developing software tools to improve our software development, build, testing and monitoring activities.
If you're into software build/release engineering, CI/CD, QA Automation, infrastructure-as-code, monitoring and alerting, then this role is for
you. You will join a diverse and talented team of software developers, quality assurance analysts, product managers and executives who are looking for a partner to help knit the pieces together and provide them with the right tools they need for their day-to-day job. You will be an enabler for all teams, the rockstar that makes each team the best version they can be with the solid tools you build for them.
You don't have to have firsthand experience in all the aforementioned areas, but we're looking for someone who understands both the tools and culture of DevOps and is a self-motivated independent learner. You will be best positioned to identify how things can be improved and will be expected to bring new technological ideas to the organization. Success in this role would mean making existing processes faster, smoother, and easier across different teams in our company.


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I have completed "node-red" a week ago, but could neither download the certificate, nor was a badge issued. the button to request certificate is there, but it returns only a page with the error message: "This error has been logged and will be investigated asap." That did not change the past week. Do you know any help?
Answer by AIStrategy (1) | Mar 22, 2017 at 10:31 PM
Would like to tag along on this issue, same course about two months back. Also just completed Chatbots and Watson (just now), same issue.
109 people are following this question.
Node-RED: basics to bots - lab 3 - can't add Continuous Delivery 1 Answer
Node-RED: Unable to download certifcate despite completing the course 0 Answers
Re-visit Node Red Course and receive badge 2 Answers
Course Completed but Badge not received 0 Answers


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The beauty of coin collecting is that it appeals to such a diverse range of people. We recently had a visit from 15 year old Sophie Welch, an avid coin collector and budding coin designer who has even submitted her own coin designs to The Royal Mint.
During half term, Sophie visited The Royal Mint Experience so we arranged for her to meet members of the wider team to help her understand the processes behind coin design and how the team approach the intricate detail of design and creating a coin.
Sophie told us in her own words, how she found her time at The Royal Mint:
"I really enjoyed my day at The Royal Mint. First I met Nicola Howell (Director of Consumer Business), who told me that she was really happy that someone my age (15) was so interested in designing and collecting coins.
"I then had a tour around The Royal Mint Experience led by Beverley Dyer who told me lots of information about the Mint and rare coins. I would never have known all the information if she hadn't told me. She then took me to the factory and I got to see where the coins were struck and transported. I also struck my own Frankenstein £2 coin.
"Afterwards I met Dr Kevin Clancy, Director of the Royal Mint Museum, and he showed me around the museum that contained lots of rare and valuable coins. Lunch was next and a well deserved break!
"Then I met the Coin Design team and Tommy Docherty helped me use the software they use to design coins to create one of my designs on there. Once I got used to how everything worked, I thoroughly enjoyed myself and I knew how to change something when I needed to.
"Once I had finished my final coin design, then I was off to the gift shop! I bought lots of coins and I won't forget my experience in a hurry! The whole day was amazing and everyone I met was so informative. Thanks everyone for an amazing day!"


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Style #1000209850
Simply Southern Pocket Seahorse T-Shirt for Women in Poseidon
Sorry, this product is currently out of stock.
Seas the day in this Simply Southern Pocket Seahorse T-Shirt for Women in Poseidon! This women's t-shirt features short sleeves and a crew neckline for a comfortable fit. Along with the Poseidon green body, this tee will have you ready for summer in no time with the pocket logo graphic on front and seahorse graphic on the back which reads, "Sea-la-vie".
Features of Simply Southern Pocket Seahorse T-Shirt for Women in Poseidon PKT-PREPPYSEAHRS-POSEIDON:
- Simply Southern
- Style: PKT-PREPPYSEAHRS-POSEIDON
- Color: Poseidon
- 100% Cotton
- Women's Simply Southern Shirts
- Preppy shirts
- Short sleeve shirt
- Crew neckline
- Simply Southern pocket logo on front chest
- Simply Southern graphic of seahorses on back
- Graphic reads, "Sea-la-vie"
- Measurements from size small:
- Length from center back: 26 ½"
- Machine wash cold, tumble dry low


text: Wes Charles is the CFO of MOSAIC. He has worked in international wealth management for over 20 years. He finished his Masters of Business Administration in 2003 at Brigham Young University. He has extensive experience in financial administration, accounting, and investment management. He is the CEO of WBC Financial services, a Utah based firm that accounts for and reports on financial assets of various companies throughout the world, helping them to reach their fiscal objectives. In Mosaic, Wes directs the reporting and transparency of the firm and of client assets. He also enjoys interaction with clientele and helping to achieve financial success.


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Working at Urban Games gave me the opertunity, to learn to become a better 2d artist by texturing vehicles and assets for the game Transport Fever. In my sparetime i also invested
time to become better at creating 3d models and UV's. As a side project to work on those skills i therefore started a Mod Project to create some iconic Vehicles of the private Transport Network BLS in switzerland. My goal was to create
a Mod Pack of Vehilces, Assets and a Map all themed around the history and Scenery of the BLS Railway Network. At the end i published the finished result as a downloadable Mod.


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With SmartExam, MRI has taken a huge leap forward, but within the same software, MR Spectroscopy (MRS), has also taken a gigantic stride in both ease of use and functionality.
MRS has always been seen as a difficult technique that required a physicist or highly trained operator to obtain consistent high quality results and the analysis required complex off-line software. Now though, with the integration of Spectroscopy within ExamCards and fully automated preparation phases a spectroscopy scan can be obtained in just two steps:
1. Select the appropriate ExamCard
2. Plan the position of the voxel or slice(s)
The system will do all of the preparation phases required in a short time and then automatically run the sequence - simplicity itself without additional user interaction, i.e. having to analyze the preparation phases and water suppression optimization. In addition the system can store all previous preparation phases for that patient and re-use them to further reduce preparation time in subsequent scans - exactly the same as auto-prep in imaging.
To analyze the data is also a two-step process:
1. Select the Spectro data in SpectroView
2. Run the script
So in four simple steps you have acquired and analyzed your Spectroscopy sequence - no one else can match this speed and simplicity.
It is not just about simplicity because the Spectroscopy Specialist package is technologically advanced with every single type of sequence available on the system. Now you can choose from:
Due to the flexibility of the parameters within the protocols (exactly the same as with routine imaging) any spectroscopy sequence can be easily manipulated to the exact wishes of the customer.
Also unique to Philips is the ability to add SENSE to CSI and TSI sequences to give the added benefits of either faster scanning or higher matrices in the same scan time. In addition the ability to have TE times of less than 10 ms to allow more SNR and to help differentiate metabolites also gives a big advantage to Philips.
The Spectroscopy package is now so complete that any anatomy can be scanned, any coil can be used and any technique is available and of course for the Brain this can be combined with SmartExam. For the customer this means a simple choice of a single package - not multiple packages for multiple anatomies.
Spectroscopy Specialist - your clear advantage in MRS.
(1) Multiple email addresses can be specified at the
Recipient's email address (separated by commas)
The information entered on this page will not be used to send unsolicited
email, and will not be sold to a 3rd party.


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Set within an exclusive and popular residential location, a fabulous and well appointed family home. Approached by its own electric gates this detached 5 bedroom, 5 bathroom property is presented to a high standard throughout with its spacious entrance reception and accommodation comprises 2 receptions and a large family kitchen/breakfast room on the ground floor, with a utility room, study and double garage. The first floor has 3 large bedroom suites, with another bedroom suite on the top floor. There is also a good sized double bedroom with en suite bathroom with its own staircase above the garage, creating a perfect, private guest suite. Externally there a large lawned garden to the rear together with a heated swimming pool and a paved sun terrace ideal for Al fresco eating. The property also has the benefit of having its own private walkway that leads to La Route Orange which is ideal for bus stop and all local amenities.With an integral double garage, external stores and parking for 10+ cars. ServicesAll mains except gas. Oil fired central heating. Under-floor heating in bathrooms.NoticePlease note we have not tested any apparatus, fixtures, fittings, or services. Interested parties must undertake their own investigation into the working order of these items. All measurements are approximate and photographs provided for guidance only.
Property ID: 1720


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check it out look here Continue reading "awesome" →
I need some fun. I want to go kyaking or maybe fly a kite or uav or something. I need to unplug from tech to clear my head.
I am starting.
Thanks for joining me!
Good company in a journey makes the way seem shorter. — Izaak Walton


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December 29, 2016
Where did the year go? I find myself sounding like a broken record as that's the first thing I say to everyone I meet these days. In a few days, we'll be bringing in 2017 and with that question in mind, it's always good to take a few minutes to practice the pause and reflect on the year that has just slipped us by.
With reflection comes lessons and hopefully ones that we can bring into 2017. For personal finance in particular, what are some financial goals you have? Will you clear your credit card debt? Start saving more? Boost investments?
"By failing to prepare, you are preparing to fail" – Benjamin Franklin
We were curious to hear from some of the top personal finance gurus in Malaysia about their financial resolutions and tips for young Malaysians as we forge ahead. CompareHero.my were delighted to speak with KCLau, who gives practical money tips for Malaysians; Mr Stingy who writes about optimization of time, money, and relationships; and Suraya from RinggitOhRinggit who chronicles her personal finance journey,
Check out the exclusive interview below!
KCLau: Not much has changed, I want to increase my company's revenue by 20% in 2017, I want to invest more in the stock markets with my savings and I would like to maintain my current saving rate of 30% in 2017
Mr Stingy: Mine would be generating a sustainable secondary source of income.
RinggitOhRinggit: I would like to grow my investment in various vehicles. My aim is to reach RM100k before my birthday in May. I would also like to save at least 50% of my income every month. As a self-employed individual, this may be tricky in some months, but I hope I can develop the discipline for it.
RinggitOhRinggit: A generic 'save money' resolution without a budget plan. Without it, one might feel restricted all the time and compensate by buying themselves small luxuries over big luxuries. This is called the Lipstick Effect. It's no coincidence that sales of small luxuries grow during the recession.
Mr Stingy: Going "all-in" into new year resolutions that you're new to. For example, if your objective is to lose weight. What not to do: Buy a year's gym subscription at the swankiest gym, buy trendy workout clothes from Nike for motivation, and "invest" in the latest Fitbit to track your progress.
KCLau: Inflation is real. As a young Malaysian, the best thing you can do all the time is to have a healthy saving rate. I recommend 30%. If you can't do it, make it the most important short-term goal to reach 30% saving rate.
Mr Stingy: The economy isn't looking too good. I would look at trying to generate multiple sources of income (preferably in something that you like doing), as opposed to just relying on a single job. Having sufficient emergency savings (>6 months) worth of expenses is doubly important in difficult economic times. Lastly, keep your expenses as reasonably low as possible. It's not just about how much money you make — it's how much money you can keep.
RinggitOhRinggit: Many people will look for side income opportunities. Try to avoid oversaturated marketplaces, and/or consider investing in marketing sell your products/services better. This is an opinion, but I think Instagram shop is a good example of an oversaturated marketplace.
Remember that folks:
Mr Stingy: Track your expenses using an app. You can't optimise what you don't track. I first started tracking my expenses in detail in 2016 (my new year's resolution) and was pretty surprised by what I found out.
RinggitOhRinggit: Buy less, but buy quality. Quality products don't necessarily need to be expensive. Do some online research or ask around for recommendations.
KCLau: Buy only the things you will be using within the next 3 days, or 7 days, or a month. The time limit is not important. But this exercise will make you think hard whether you are going to make good use of the purchase.lue elsewhere.
RinggitOhRinggit: Delay your purchases. Whenever you want something that you don't need, tell yourself to only buy it if you still want it after a month. The more expensive the item, the longer you should wait. Personally, I tend to forget I even wanted them by the end of the 30-day wait.
KCLau: Buy a used car rather than the new ones. Car depreciates about 10% each year. If you buy a 5-year-old car, you could be paying half the price only.
Mr Stingy: Ask yourself, "Do I really need it?" or "Is there a more efficient way to achieve my objectives?" first. Take some time to make your decision and sleep on it first. That irrational desire might be gone tomorrow.
Mr Stingy: Deduct savings and investments immediately when getting your paycheck. Park it in accounts where you can't easily access. This is commonly known as "paying yourself first." If you wait until the end of the month to invest the leftovers; guess what — sometimes there's no leftover.
"Do not save what is left after spending, but spend what is left after saving" – Warren Buffet
KCLau: Since time is on your side, learn how to invest profitably and safely, for the long-term. Think of buying assets like properties and stocks (businesses) that is going to do well many years down the road. That's the proper way to accumulate wealth.
Mr Stingy: Going to sound cliché, but investing in yourself is the most important thing. Developing skills that you can sell, equipping yourself with personal finance knowledge, and ensuring your health is good (diet and exercise!)
Then we can talk about external investments. The economy looks gloomy to me — I don't know how long more the Malaysian stock market can sustain its bull run (longest in the world). Oil prices still aren't too good, and the Ringgit is weak. Though I will say, if the Ringgit ever gets back to 3.2 against the USD, I'll be buying a lot more USD-based assets.
What investments do I currently like? "Safe," defensive ones. If you can get your hands on Amanah Saham — I'm loving those. Also liking 0%-sales-charge mutual funds invested in bonds.
KCLau: I stay invested all time, in properties and stocks, regardless of market condition. The smart investment is to find good assets (property or stocks) that are selling at a bargain price compared to its value.
On KCLau's Bookshelf:
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Unique riverfront villas with private plunge pools and gardens.
On Charoenkrung road along the Chao Phraya river, where historic neighborhoods meet fashionable cafes, bars and art galleries.
Three-Michelin star chef Mauro Colagreco presents a contemporary reinterpretation of traditional recipes and culinary heritage of the French and Italian Riviera.
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300/2 Charoenkrung Road, Yannawa, Sathorn, Bangkok, Thailand 10120
36.4km/22.67mi from Suvarnabhumi Airport (BKK); 29.7km/18.45mi from Don Mueang Airport (DMK); 4.3km/2.67mi from Hua Lamphong Railway Station.
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Donald G Katonak, 89, passed away on Tuesday, May 14, 2019.
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