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This blog includes information for financial startups & entrepreneurs. Read the takeaways from successful of P2P (peer-to-peer) payment app, Square's Cash App. Let's check out what's inside?
Money transfer apps are booming. Whenever talking about money transfer apps, it is must to highlight about the PayPal-owned Venmo and Square's Cash App. This is due to the fact that there is a recent report from Sensor Tower's Store Intelligence Data, "Money transfer apps like Venmo & Square's Cash App have surpassed mobile banking as the largest drivers of U.S. fintech downloads."
The market for peer-to-peer transfers has already surpassed the worth of $1 trillion. These apps make transferring money faster, less expensive, and more precise.
Furthermore, money transfer app is responsible for 27% of finance downloads so far in 2018, up from 13% three years ago. Americans are paying each other by using mobile apps more than ever. From 2018 to 2021, the total volume of peer-to-peer (P2P) transactions in the United States could rise from $156.49 billion to $244.03 billion, as per the latest report eMarketer.
According to the recent survey by Zelle, peer-to-peer payment apps are becoming more popular among all age group of people. Today, the maximum number of people prefer using payment apps when it comes to money transfer.
The survey is conducted questioning 9000 people and it shows that 75% of Millennials, 69% of Generation X, and 51% of Baby Boomers make of mobile or online P2P payment apps. Here is another report from Sensor Tower, showing the top finance apps by U.S. downloads.
Top Finance Apps by U.S. Downloads Across the App Store & Google Play
According to the report from Sensor Tower –
- In the image, you can see that in the year 2015, the large mobile banking apps were Chase, Bank of America, and Wells Fargo.
- By 2017, the top spots were controlled by PayPal, Square's Cash App, and Venmo (owned by PayPal).
- And, again for the first half of 2018, Square's Cash app has claimed the top spot in 2018.
Finance Market Share by Sub Category (U.S.)
The market share for money transfer apps grew from 13% in 2015 to 27% for the first half of 2018. On the other hand, mobile banking apps had a corresponding decline in market share from 42% to 24% over the same period.
Money Transfer App Downloads (U.S.)
As per the report from Sensor Tower –
- Talking about the app downloads, since 2015, mobile banking apps have increased, and their growth was minimized by that of money transfer apps.
- Mobile banking app downloads increased by only 10% from 2015 to 2017. During the same time period, installs for money transfer apps about tripled from 17 million to 46 million.
- In addition, these apps have already been installed nearly 33 million times in the first six months of 2018.
You may have noticed one thing that Square's Cash App, peer-to-peer (P2P) payment is continually growing and at the top over their rivals like Venmo, PayPal, and Zelle. Let's know more about the Square's Cash App.
What is Cash App?
Image Source: cashapp
Launched back in 2013, Cash App is formerly known as Square Cash, a peer-to-peer (P2P) payment app that allows its app users to transfer money to one another by using the mobile phone app. As of February 2018, the service recorded over 7 million active users.
- Square's Cash App has been popular and reaching the #1 spot among other tech finance giants like PayPal, Venmo, and Zelle for the first six months of 2018, which you have already seen in the above reports from Sensor Tower.
- Cash App by Square surpassed Venmo and PayPal for the first time in the third quarter of 2017. It has continued to experience rapid growth till now and reaching over 5 million installs in Q2'18.
- In 2017, the Cash App was reported that it has processed around $1 billion transactions per year. And, it makes Square Cash a real competitor in the sector.
- Square's Cash App allows payments to be made in up to 25 different currencies.
- According to the report from SimilarWeb, Square's Cash App (P2P payment app) is ranked #1 in the finance category at Google Play Store. This is what you can see in this image.
To conclude, it is cleared that Square's Cash App has already achieved milestones and ranked at the top among other P2P payment apps.
Key Takeaways from Square Cash That Startups Need to Bear in Mind While Developing Peer-to-Peer Payment Apps
1. Simplicity
Peer-to-peer payment apps like Square Cash, Venmo, and PayPal are quite popular among users because of simplicity. Well, simplicity is one of the core things, which you as a startup need to consider while offering peer-to-peer payment apps like Cash App or Venmo. One thing is cleared that if you are planning to create the (P2P) peer-to-peer payment app like Cash App, then you need to take simplicity as important factor.
Image Source: 9to5mac
While developing an app like PayPal, Venmo, and Square Cash, you need to pick such kind of attribute, which is the core feature.
2. Solutions That Solve The Real Pain Points of Consumers
One of the important key takeaways is to provide solutions, which solve the real pain points of consumers. Peer-to-peer payment apps like Square Cash and Venmo are precise and less time-consuming. Without hassle, P2P payment app allows users to transfer money through mobile, desktop, iMessage. Provide multiple options to your users to transfer money as it makes it simple to transfer money on the go.
Image Source: gobankingrates
Square's Cash App is the number 1 finance app in the United States. With this P2P payment app, an app user can easily send and request money without any amount of charge. Being a startup or entrepreneur, you need to provide such solutions in terms of P2P payment app, which is fast, free and without a hassle.
3. Safety Concerns
The important factor is safety, which you need to take care while developing P2P payment apps like Square Cash and Venmo. Well, the safety of transaction is the pivotal concern in order to provide secure transaction platforms to your app users. However, it is one of the biggest concerns for app users, especially who are new ones to use such peer-to-peer payment apps for money transfer.
Image Source: poshjournal
It is important to securely store your users' financial data and sensitive details. Make sure that you provide your user with a secured P2P payment platform. So, if you are planning to create P2P payment app, then you can't miss considering this crucial factor while developing secured P2P payment apps like Cash App.
Is it still possible to earn money by developing Peer-to-Peer Payment Apps?
Yes, it is safe to say that the P2P (peer-to-peer) payment apps are booming and will flourish in the near future. These P2P payment apps have earned money by charging the fair amount of commission fee for commercial transactions. Talking about the Square's Cash App, it charges businesses a 2.75% fee for each transaction.
So, if you are having an app idea on P2P (Peer-to-peer) payment apps development or the development cost of P2P payment apps, then you can cross-verify it with us as we are a leading iOS/Android app development company. We have already developed over 3500 mobile apps in diverse categories with different features and functionalities like GPS real-time tracking, cross-platform ability, multi-lingual support, payment gateway integration, visual calendar, and online support.
In case, if you still have any query or confusion regarding (P2P) peer-to-peer payment apps development, how long does it take to make peer-to-peer payment apps, then you can get in touch with us through our contact us form. One of our sales representatives will revert to you as soon as possible. The consultation is absolutely free of cost!
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University of Massachusetts Amherst Amherst, MA, USA
Full Time
Senior Director of Instructional Innovation and Technology University of Massachusetts Amherst Reporting to the Vice Chancellor of Information Technology Services and Strategy (VCIT), the Senior Director for Instructional Innovation and Technology oversees major IT initiatives related to teaching and learning, including institution-wide and potentially system-wide collaborations, and provides oversight for Instructional Innovation and Technology support staff, ensuring efficient and effective use of human resources with a strong emphasis on delivering quality support for Instructional Innovation services. This position will develop and promote instructional innovation and technology strategy and initiatives in collaboration with campus partners, including The Institute for Teaching Excellence & Faculty Development (TEFD), Online Education (OE) Group, and the Libraries. The Senior Director will build and sustain relationships with faculty, students, and academic departments to provide strategic, organizational development, and operational leadership to advance technology engagement and innovation in alignment with the Campus Strategic Plan, IT Strategic Plan and campus and system goals. Primary amongst these include promoting a culture of student-centered learning; improving support of faculty in the creation, implementation, and use of effective, innovative teaching techniques; and providing a new IT ecosystem for learning and teaching that fosters even more creative pathways to achieve diverse individual goals. Qualifications: Bachelor's degree in education, communication, instructional design, education media, educational technology, or related field; master's degree or Ph.D. in education, communication, instructional design, educational media, educational design or related field 8 years of progressive experience working in higher education environment in the field of instructional design or academic technology. Extensive knowledge of instructional design theories and methodologies, innovation in teaching and learning, trends in IT engagement, and of best practices in the management of engagement and innovation technologies and related support services. Demonstrated leadership skills and experience leading a medium to large sized team with an inclusive and collaborative leadership style. Proven team builder with a demonstrated commitment to mentoring and cultivating a work environment/culture that fosters inclusive collaboration, consensus building, and positive relationships based on trust and open communication. Experience planning, developing, and implementing emerging instructional information technologies, and promoting physical (classroom and labs), online, and innovative learning environments. Proven record of success in developing and maintaining strong working relationships with faculty, students, staff (particularly technology staff), administrators, and both internal and external partners. Strong administrative, conceptual, analytical, and critical thinking skills, and ability to exercise sound judgment. Understanding of state and federal laws regarding disability and accessibility in higher education, such as the Americans with Disabilities Act (ADA) and the Rehabilitation Act. Knowledge of and experience with accessibility principles regarding procurement and use of accessible technology. Strong oral and written communication skills, and experience developing planning documents, proposals, budget request justifications, and other forms of communication with/for senior administration and faculty. 5 years' experience with and an understanding of a large, complex higher education environment. Strong change-management skills and demonstrated ability to manage multiple projects and work successfully under deadline. A record of participation in national organizations on technology engagement and innovation. Demonstrated record of commitment to ongoing professional development for self and as a supporter/mentor of others. Special Instruction to Applicants: For the full position announcement and to apply online, please visit: http://careers.umass.edu/amherst/en-us/job/499638/senior-director-for-instructional-innovation-and-technology Please submit a letter of application, resume, and the names, titles, and telephone number for at least three current references by April 19th, 2019 for priority consideration. However, applications may be accepted until the positions are filled. About UMass Amherst: UMass Amherst is one of the major public research universities in America. Nestled in idyllic Amherst, Massachusetts, the campus is consistently ranked among the top public research universities in the nation, and offers a rich cultural environment in a rural setting close to major urban centers. Amherst, situated in the lovely Pioneer Valley, was rated the #1 college town in America by US News and World Report. UMass Amherst IT is a dynamic and exciting organization with a mandate for continuous improvement. UMass Amherst is committed to a policy of equal opportunity without regard to race, color, religion, gender, gender identity or expression, age, sexual orientation, national origin, ancestry, disability, military status, or genetic information in employment, admission to and participation in academic programs, activities, and services, and the selection of vendors who provide services or products to the University. To fulfill that policy, UMass Amherst is further committed to a program of affirmative action to eliminate or mitigate artificial barriers and to increase opportunities for the recruitment and advancement of qualified minorities, women, persons with disabilities, and covered veterans. It is the policy of the UMass Amherst to comply with the applicable federal and state statutes, rules, and regulations concerning equal opportunity and affirmative action.

subset: commoncrawl


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Theresa May intends to set out her vision for the UK in a speech at the Charity Commission Annual Lecture . The predictably woolly & vague name for the grand plan is the 'Shared Society' . It mirrors May's statement in June 2016 when taking office , the bold words then were 'We will build a better Britain not just for the privileged few'.
Of course it in no way resembles the 2010 bluster heralding the arrival David Cameron's 'Big Society' .
The speech is full of the usual rhetoric & hot air , although there are a few points worth noting . Below are a couple of quotes from the speech , they indicate that there is some degree of acceptance by the powers that be that the general public are waking up to the endemic corruption , perversion , treachery & deceit ingrained in the higher echelons of the UK 'elite' .
Quotes from the speech (translation below each quote) :
'People are questioning whether the system of globalisation, free markets and free trade – one that has underpinned so much of our prosperity – is actually working for them…..they feel it is even working against them – serving not their interests or ambitions, but those of a privileged few. '
Cultocracy translation :
Globalisation was forced upon the public by greedy & contemptuous corporate & financial industries , the quest for profits has always been put ahead of people . 'Secret' societies enshroud the decision making in a cloak of invisibility . A complicit security , political & military establishment are only too willing to add a cover of legitimacy . Public funds are siphoned off at will , whether to fund illegitimate & immoral wars or to prop up the fraudulent banking sector . The stake holders & their sycophantic cronies get rich , the tax payer gets poor .
'And they are questioning the legitimacy of all the old institutions and systems we have relied on for decades.'
Cultocracy translation :
The UK has never relied on 'old institutions' or 'secret societies' formed by the 'old boys network' , they are parasitical by their very nature . The UK public has always relied on themselves , they have been consistently betrayed the 'old institutions' . The 'legitimacy' of the 'old institutions' is bequeathed by themselves to themselves . It is propped up by relentless fear mongering , social conditioning , lies & propaganda .
'And they come to a simple conclusion: that there is one rule for the rich and powerful and another for everyone else.'
Cultocracy translation :
And they come to a simple conclusion: that there is one rule for the rich and powerful and another for everyone else.
Are they worried ? Probably , just a little .


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Luxury Rugs Vine
The Best Way to Make caro checker pattern rich multi color plush bathroom rug into Your House?
You first want to use modern fittings and also modern bathroom model. You'll find a number of stores that give you fixtures, faucets, rug cupboard, and rug bathtub with contemporary style. The modern style may store more space because it's made in compact mode. If you've got smaller rug, you're able to skip to-use tub and you also only have to use shower into your rug. Secondly, you can use glass to the entranceway. Glass door will probably reveal modern look on your rug as well as at the same time, your tiny rug can appear larger than the dimension.
The mounting will probably not be a significant problem once you have value pfister faucet. It offers all types together side a cover plate. Besides, owing to the beautiful design and complete, price pfister faucet won't ever let down anyone. It modulates high quality of the finish where it would be practical to develop the rug's attractiveness. The finish of caro checker pattern rich multi color plush bathroom rug is made up of classic, dark iron, impeccable multi-layer bronze, brushed chrome, brushed bronze, chrome and polished brass, chrome, French golf, oil rubbed bronze, matte chrome, pearl nickel, polished brass, platinum, porcelain, polished brass and polished chrome, satine, satin nickel, wrought iron iron, venetian bronze and much more.
Make an agenda and place marks wherever it needs to be. You have to do that as a way to make our prepare runs since it ought to really be as well. In addition, you need to jot at the main point at which you want to put accents or custom framing on the watt. Permanent marker is fine.
To have a traditional style on your rug, combine caro checker pattern rich multi color plush bathroom rug with oil rubbed bronze and brushed impeccable furnitures. Paint the walls of your rug with gray coloring to relax and balance the atmosphere. Put a bathtub at the corner. Incorporate your black rug cupboard with freestanding bath tub. Have wooden windows to create a pretty contrast in your rug, and also a small dimension molding in order in order to add feel into your rug.
You don't need to spend a great deal of your money to redesign or build your rug cabinet. Rather than purchasing special order closets in the retail store of dwelling supplies, you'll possess bath rugs which is remarkably popular in these times. Able to assemble rug cabinet has various dimensions, finishes and styles like Harvest Maple, Tuscany Maple, Heritage Oak, Brandywine, and also many more.
This Caro Checker Pattern Rich Multi Color Plush Bathroom Rug the gallery form Brown Bath Rugs. Hopefully you can find the best inspiration from our gallery here.


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Driver when mp3-player crash
When i download new firmware my PC shotdown. So,i think, i have bad firmware on my Clip. I can it turn on. Only what working, its push volume+power about 20 sec. After that i can see FW upgrading. Dont disconnect. But it doesnt work/ SO when i connecting to PC i have new unknown device USB\VID_10D6&PID_10D6&REV_0100. Where can i find thise driver. Sansa updater doesnt help
Re: Driver when mp3-player crash
if it is not being recognized by the computer when plugged in and it is stuck in the upgrading FW loop when disconnected there really is not a recovery mode that can be used. It will need to be replaced. See links below. you can request a replacement or open a support ticket with sandisk support.
Request a replacement
open a support ticket
Re: Driver when mp3-player crash[ Edited ]
06-12-2017 08:39 AM - edited 06-12-2017 08:47 AM
I just had the same problem. I started by clicking on the Windows icon for Safely removing media and selecting the Clip Sport. I waited then unplugged the Clip Sport.
Then a message "FW Updating" appeared in bright white on the Clip Sport itself. Presumably, FW means "firmware", and it was in a stupid mode where it was transferring one byte at a time to the Clip Sport, with no user support.
I tried fixing the problem, and finally found that holding down the main/power/center button for about 10 or 15 seconds interrupted the mode, and returned the unit to proper operation. This information should be added to the user manual, IMO.
I tested by plugging it back into the computer. The computer reported identifying the Clip Sport device properly.
Windows 8.1


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Toronto doesn't get nearly enough credit for its awesome food scene. That's a shame, because the world's most diverse city naturally offers a melange of flavours and fusions. (Yes, Toronto definitely has more than burgers, doughnuts and tacos, even though it might not seem like it.) We checked in with some of Toronto's all-star chefs to prove that along with its excellent film scene, awful hockey team and shameless former mayor, 'The Six' deserves a spotlight for culinary excellence, too. But if you can't make it downtown to sample the deliciousness, then crafting these much-celebrated dishes at home is the next best thing. From Susur Lee to Mark McEwan, some of Toronto's top chefs reveal their recipes for Toronto's best dishes:
12 secret recipes from Toronto's most celebrated restaurants
Susur Lee's Singapore SlawSusur Lee's celebrated signature dish is available at both Lee and Bent and relies on ingredients that can be sourced year-round. Bonus points if you've got a green thumb and can grow your own fresh sprouts and seedlings. GET THE RECIPE.Susur Lee
Jay Scaife's Green Eggs'n'Ham CarbonaraChef Jay Scaife of CAFE BAR PASTA just deservedly scored 'Best Chef' in NOW magazine's Readers' Choice awards. If you're in the city, we suggest heading down to Dundas West to have the dish prepared by the winner himself, but if you can't, bring the magic home instead. GET THE RECIPE. CAFE BAR PASTA
Mark McEwan's Lobster PoutineMark McEwan isn't just one of Toronto's top chefs, he's one of Canada's. Bring his brilliance into your kitchen with his signature Lobster Poutine, developed for downtown restaurant, Bymark. GET THE RECIPE. Bill Milne Photography
Christina Tosi's Crack PieMomofuku founder David Chang isn't a Toronto chef, but he is a chef with restaurants in Toronto. And this isn't a David Chang recipe– it was created by his colleague, Momofuku Milk Bar's Christina Tosi. But we're claiming it as ours, because it's addictive and we love it. We bet you'll soon be calling it yours, too. GET THE RECIPE.Flickr
Geoff Hopgood's Brussels Sprouts Caesar SaladHopgood's Foodliner is Toronto's place to go for classic East Coast comfort food with contemporary flair. Chef Hopgood's Brussels sprouts salad is an inventive twist on the popular salad, and it's a great way to enjoy winter greens. GET THE RECIPE.Hopgood's Foodliner
Alexandra Feswick's Japanese MeatballsThere are few places in Toronto cooler than the Drake Hotel, but if you want to eat like the hippest hipster at home, you can't go wrong with Alexandra Feswick's Japanese Meatballs. Perfect for entertaining all your favourite plaid-clad pals! GET THE RECIPE.Connie Tsang
Alexandra Feswick's Nonna's CarbonaraIf your version of Alexandra Feswick's carbonara comes out even half as mouth-watering as Feswick's own, will you please, please, invite us over to try it? GET THE RECIPE. Drake Hotel
Ted Corrado and Jon Pong's Meat PieTed Corrado is a household name for 416ers, who have followed him from the ROM's C5 to the Drake Hotel to the new standalone Drake outpost, Drake One Fifty. It's at the latter where he and sous-chef Jon Pong serve amped-up comfort food, like this decadent meat pie, to the expense account crowd. GET THE RECIPE.Connie Tsang
Ted Corrado and Jon Pong's Lobster and GritsTed Corrado and Jon Pong know that comfort food is even more comforting when you top it with lobster, something we should all be doing as much as budget and availability allow. Bonus: East Coast lobster is in season now. GET THE RECIPE.Connie Tsang
Marcus Monteiro's Chana Masala on Basmati RiceIf you want to eat like the stars, look no further than Brassaii chef Marcus Monteiro's chana masala, which was served to Sir Ben Kingsley and Patricia Clarkson for TIFF 2014. GET THE RECIPE. Brassaii
Craig Harding's Pappardelle with ChanterellesToronto is bursting with rustic Italian restaurants, and it takes true talent to get noticed. Campagnolo's Craig Harding has been celebrated for mixing his maternal grandmother's recipes and contemporary techniques for delicious results. GET THE RECIPE.Panasonic Canada
Craig Harding's Roasted Lake Erie Pickerel with Cauliflower a Dried TomatoesHalibut is a good substitute if you can't find pickerel (a freshwater fish native to most of Canada). This dish is fairly accessible for home cooks, but you'll be our hero if you can plate it as nicely as Chef Harding. GET THE RECIPE.Panasonic Canada


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It's sad to see summer go, but exciting to see autumn on the near horizon! Take your little one to a local harvest celebration!
Autumn – The mornings bring a crisp chill to the air and the days grow shorter. Geese make their V-formations across the sky, honking their brief goodbyes as I watch from below. The leaves, no longer green, are turning red, gold and brown, as cute little squirrels dive through them in search of nuts to store for the winter.
Looking forward…
I'm a bit wistful at the thought of losing those warm Summer days. Picnics on the lawn, grandkids running through sprinklers, backyard barbecues, and even sunburns. The outdoor life has become my constant state of being. I love it. With my adventurous spirit fed by the warmth of Mr. Sun, I live with abandoned. But I realize that there is a season for everything….
I say goodbye to Summer and turn to the farm stands and pumpkin patches, carnivals, and petting pens. I get excited about the smell of corn-on-the-cob slathered in butter, caramel apples all gooey with goodness, and crunchy popcorn balls.
They all shout the word….Autumn!
It's time to celebrate the harvest after a long Summer. With my grandson in tow, we take to the road and head east along the Columbia River Gorge to Hood River, where Draper Girls Country Farm is located 10 miles out of town. Large orchards of dwarf fruit trees from cherry, apple, and pear to prune, nectarine and peaches are available for U-pick. In the center is a large farm stand to purchase fresh local produce. The farm specializes in non-pasteurized apple cider freshly pressed right on the farm. Home-made local jams and jellies look delicious lined neatly on shelves.
Brilliant Dahlias raise their tall stalks skyward, nurtured by the sun's warm glow.
Who doesn't love the country life? Pears and apples for a tasty sauce or butter…colorful crisp peppers sure to feed your body with healthy vitamins.
A farm stand must have a place to pet the animals. These goats acted like little court jesters with their bouncing personalities and inquisitive eyes. They provided a lot of entertainment to our afternoon at the farm.
Stunning views of Mt. Hood and Mt. Adams can be enjoyed while picnicking in the garden.
We found just the right pumpkins to set out for Halloween, tasted apple cider, picked out some peaches for the ride home, and picnicked by the garden. A day on the farm left us with a sense of wholeness, goodness, and richness that would be sorely lacking if we had not taken the time.
How will you celebrate Autumn? Will you find a carnival nearby, a country fair or a farmstand to sample the tasty and colorful fruits of the land? I'd love to hear your thoughts so please leave a comment below.


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PHEV2007 Simulation Courses
As part of PHEV2007 conference, three simulation courses will be offered to support modeling initiatives for PHEV's and V2G
grid interactions. These courses are open to all but preference will be given to registered PHEV2007 delegates.
All courses will have hands on experience allowing participants to develop numerical models using computers.
Transportation will be provided from the Delta hotel and pick up will be in front of the hotel 1/2 hour before the start of the course.
The microcomputer lab is located in the Fort Gary Pause in the student Union Building: Building 26 on this map.
Press Here to Register for PHEV2007 Simulation Courses...
PSCAD: Analysis and design of vehicle to grid interconnection
Instructor: Dr. Shaahin Filizadeh, UofM
Course description: The course will present methods for modeling and simulation of vehicular power systems using the PSCAD/EMTDC transient simulation program. Physics-based modeling of mechanical components of the vehicle and the forces involved will be presented, followed by introduction of methods for building computer models interfaced with the power electronic drive train components. The course will use hands-on experiments with the transient simulator to facilitate understanding. Once a model is constructed, methods for performing computer experiments will be presented; use of optimization for tuning of controller and design of auto-drivers will also be presented.
Time/Location: Micro Computer Lab, Room 335 University Centre, UofM,
PSAT: Simulation of electric mobility vehicles using PSAT
Instructor: Phillip Sharer, Argonne National Laboratories
Course description: PSAT is developed by Argonne National Laboratories and is used for vehicle simulations. The course will focus on building a PHEV simulation by integrating various vehicle component models. Participants will get to learn and practice how to use PSAT to build a PHEV vehicle. Libraries modules will be explained. Discussion of how validation of the models will also be discussed.
Time/Location: Micro Computer Lab, Room 335 University Centre, UofM,
Using Simulink for off-line and real-time modeling of vehicle powertrain and Opal-RT blocksets
Instructor: Mathieu Giroux, OPAL-RT
Course description: Opal-RT Technologies Inc. provides a range of HIL (hardware-in-the-loop) simulation services and products - from small rapid control prototyping systems to large-scale distributed real-time simulators, and turnkey engineering simulators - specializing in applications where plant model fidelity and fault tolerance requirements push rapid control prototyping and HIL testing to their limits. The purpose of this course is to provide participants with an introduction to Opal-RT simulators with focus on products and solutions for hybrid vehicles simulation. Topics covered include challenges in real-time simulation, Simulink and Opal-RT blocksets simulation tools and detailed off-line and real-time simulation of power electronic components, hybrid vehicles and PHEV effects on small and large power grids.
Time/Location: Micro Computer Lab, Room 335 University Centre, UofM,


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Driving or Practice Range?
The 4th and final Major of 2014 is here. Does Tiger play? Will his back hold up? Will he hit a driver and if he does – will he find the ball (recently a challenge for El Tigre)? Every day I see guests come to Fossil Trace and warm-up to... Read More


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Arne de Boever – Financial Realism
Crellestraße 22
10827 Berlin
This talk looks at the representation of the economy in 20th- and 21st-century "finance novels". It starts from the peculiar fact that more often than not, finance novels have very little to say about finance. The best example here remains Bret Easton Ellis's American Psycho: far from teaching its readers anything about the economy, it focuses solely on the psychosis of its main character, Patrick Bateman. Like the psychotic disavowal of reality it documents, American Psycho thus itself disavows the reality of finance—a disavowal that can be traced back, I show, to the novel's most important intertext: Robert Bloch's novel Psycho (on which Alfred Hitchcock's film Psycho was based). My talk then contrasts this disavowal of finance to the financial realism that can be found in a more contemporary finance novel, Robert Harris's The Fear Index. Meticulously researched, that novel offers a more realist representation, of today's digitized economy of high-frequency algorithmic trading. Harris's realism, however, runs up against a limit when it comes to writing what goes on in the so-called "dark pools" (Scott Patterson) of the stock market: a trading that literally goes faster than what can be humanly or technologically recorded. What literary realism would be attuned to what trader-philosophers like Elie Ayache have helped us understand as the speculative reality of contemporary finance?


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by Nicholas Cork
The AUD had a strong session on Friday night as traders continued to adjust their positioning towards no more rate hikes in the US, and a potentially weaker USD as a result. The continuing US Government shutdown is impacting the investors view of the US economy now, and US interest rate yields slid 3 to 4 basis points across the curve as a result. Equities closed the session reasonably steady, and Chinese Trade data today now becomes the focus.
Brexit is still an unknown outcome as parliament votes again this week, with the two biggest donors to the whole campaign now feeling it may be abandoned by the Government and the UK stays put. The impact on the GBP has been ok as it sits at 6 week highs to start the week, but worth keeping an eye on as the week unfolds.
AUDUSD starts today at 72 cents, 5 cents higher than the 3rd Jan. It looks like it is now going to sit in the 0.7150/0.7250 band until further direction on the US economy and Brexit, but note technically it looks overbought thus may find moves above 0.7250 tough at the moment. Importers should consider these levels compared to recent lows.
CHART : DOW JONES rising wedge formation, very overbought, 22,600 looking like a target (REUTERS)
© Copyright - EncoreFX, 2018.EncoreFX (Australia) Pty Ltd ABN 42 607 244 879 AFSL 479 870 is the issuer of the financial products in Australia. The information on this website has been prepared without taking into account your objectives, financial situation or needs and so before acquiring any financial services or products from EncoreFX, you should consider the appropriateness of the information having regard to your own objectives, financial situation or needs. You should obtain the product disclosure statement (PDS) for the relevant product and consider the PDS before making any decision to acquire the product. The information on this website is not directed at residents of any country other than Australia and is not intended for distribution to, or use by, any person in any country or jurisdiction where such distribution or use would be contrary to local law or regulation. It is the responsibility of visitors to this website to ascertain the terms of, and comply with, any local law or regulation to which they are subject.


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AVAILABLE NOW FOR LET- Former Green Ayre Public House, Prominant city centre location . Ground floor 409.3 sq m (4,406sq ft)
Lancaster is a busy University City and the principal town of North Lancashire. Well placed adjacent to the M6 motorway, it is approximately equidistant from Preston and Kendal which are both about 20 miles away. North Road is the main road leading into the City.
The property is situated on the main road in to Lancaster's busy shopping centre. With a heavy footfall of shoppers and passing trade. It is in close proximity to the bus station, taxi ranks and car p...
FOR SALE. Retail Property. 33 Yorkshire Street, Morecambe LA3 1QE
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TO LET Offices, Charter House, Dalton Square, Lancaster, LA1 1JU
FOR SALE-Workshop. 20 Lord Street, Morecambe. Lancs.
Use our short form to request a valuation of your property.> Request a Valuation


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Welcome to the conference proceedings website for North Atlantic Health Sciences Libraries, Inc. NAHSL is a regional Chapter of the Medical Library Association (MLA). Our membership is comprised of librarians, information professionals, and others from New England states, who are interested in health sciences libraries and the issues facing health-related libraries and information services. The NAHSL Conference Proceedings website is hosted by the eScholarship@UMMS repository.
If you presented at the NAHSL annual conference and wish to submit your presentation for the proceedings website, click on the Submit Paper link on the left. Please first review the Submission Guidelines.
Browse the contents of NAHSL Conference Proceedings:
- 2018 Conference Proceedings
- Theme: Remaining Strong in an Ever-Changing Landscape


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We seek them out so you don't have to. This is our weekly non-exhaustive round up of upcoming LGBT programmes on the radio and television. Inclusion of a programme is not a recommendation.
Some of the programmes listed below will be available online on the respective network's websites.
Owt on't'telly?
A round up of LGBT progs and personalities on British TV.
Saturday's about people rather than content. Clare Balding interviews disgraced jockey Kieren Fallon at 1 on BBC1; Kristian Digby is a guest on Hole in the Wall and Stephen Fry hosts QI XL on BBC2 at 10.20pm. Review of Dr Who's Greatest Moments on BBC3 at 7pm. Whole evening of Come Dine with Me on Discovery Real Time. Ingenious on CBBC at 3pm is written by Jeanette Winterson (no LGBT content though). Elton John on Bio at 11pm.
The Big Questions is back on BBC1 on Sunday with Independent journalist Johann Hari as a guest. NYD's Dr Who is repeated on BBC1 at 3.40pm. There'll probably be an LGBT bod on Celebrity Big Bro, which launches on C4 at 9pm, although we know it won't be Boy George. Sandi's Christmas Cracker repeated on Sky Arts1 at 11am. Elton John on Bio at 11am and 5pm, and Montgomery Clift at 10pm.
Montgomery Clift at 10am and 4pm on Bio Monday.
Tuesday: BBC2 repeats an Ab Fab with the title 'Gay' as part of the June Whitfield tribute evening at 10pm, followed by the inevitable repeat of QI at 10.55. Alan Carr Chatty Man Christmas Special at 10.20pm; Elton John on Sky Arts1 at 2pm.
Actors from Torchwood out-cook each other on Celebrity Ready Steady Cook on BBC2 at 4.30pm Friday. Sandi Toksvig guests on QI on BBC1 at 8.30.
True Blood has moved. Series 2 starts on Friday on C4 at 12.10am (that's Saturday then).
C4 airs Will and Grace every morning at 9.30 and Come Dine with Me Omnibuses from 3.05- 4.10 and 4.55-6pm every weekday through to Friday.
Carry on Cleo on ITV3 at 8pm. Gyspy at 6pm on TCM (Rosalind Russell's pushy mother inspired Tim Curry for his role as Frank N'Furter in The Rocky Horror Show.) X-Men on Modern Greats at 6.15pm and Mamma Mia at 8pm on Family.
Bette Davis as the sibling from Hell in the genuinely horrible Whatever Happened to Baby Jane? on Classics at Midnight Tuesday.
Rocky Horror Picture Show ("Come on Brad, do you want her to see you…like this!?") on Indie at 6.10pm. Brideshead Revisited on Drama at 8pm & Zeffirelli's Romeo and Juliet at 3.45am on Screen 1.
Please also note that Radio 4's Woman's Hour contains a lot of relevant content and is generally LGBT friendly, but a lot of its output is not available to us before we put this on the site. For the latest Woman's Hour stuff, subscribe to the programme's newsletter here.
Saturday 2nd
BBC Radio 2 - 1pm: Dale Winton's Pick of the Pops
BBC Radio 2 - 6: Going out with Alan Carr
BBC Radio 2 - 8: Paul Gambaccini
BBC Radio 4 - 9am: Saturday Live. Pauline Collins picks the tunes
BBC Radio 4 - 10am: Excess Baggage. Sandi Toksvig presents.
BBC Radio 4 - 2.30: The Saturday Play. Private Lives by Noel Coward
BBC Radio 4 - 4pm: Weekend Woman's Hour
BBC Radio 4 - 8pm: Archive on 4: Carry on Britain. How it all started
Sunday 3rd
BBC Radio 2 - 1pm: Elaine Page
BBC Radio 2 - 5pm: Paul O'Grady
BBC Radio 4 - 7.05am: Sunday. Religious programme that often deals with LGBT issues
BBC Radio 4 - 12.04: The Unbelievable Truth New Year Special. With Stephen Fry
BBC Radio 4 - 2.45pm: Joan Armatrading's Favourite Choirs. London Bulgarian Choir
Monday 4th
BBC Radio 4 - 6.30: Just a Minute. Julian Clary guests
BBC Radio 4 - 9: The Vox Project. 1/3 Clare Balding on the human voice
Tuesday 7th
BBC Radio 2 - 11.30pm: Elvis. Paul Gambaccini examines Presley's bankability
BBC Radio 4 - 4.30: Great Lives. Christopher Biggins discusses Emperor Nero with Matthew Parris
BBC Radio 7 - 2.45pm: The Betjeman Letters
Friday 8th
BBC Radio 2 - 2pm: The Great British Songbook of the Noughties. Alan Carr among the talkers and Will Young among the singers
BBC Radio 2 - 7.30pm: Ella, Aretha, Dusty and Me
BBC Radio 4 - 9am: Desert Island Discs: opera director John Copley
BBC Radio 4 - 4pm: Last Word
BBC Radio 4 - 6.30: News Quiz. Presented by Sandi Toksvig
BBC Radio 4 - 8pm: Any Questions, featuring Simon Hughes MP
BBC Radio 7 - 7pm: Stop Messing About!
BBC Radio 7 - 7.30: At Home with Hinge and Bracket
Local and online
For a global classification of queer radio on line:
http://radiotime.com/Search.aspx?query=gay&so=26,52,78 and
Gay Internet Radio Live (G.I.R.L.) is on the air 24 hours a day with dance music from the US at www.gayinternetradiolive.com.
Wythenshaw 97.2 FM, a community radio station, airs a lesbian and gay radio magazine programme once weekly, according to Out North West Magazine published by the Lesbian and Gay Foundation in Manchester. Podcast http://www.tuesdaynightout.co.uk/
GayRadio-UK is a new online radio station in Blackpool and promises a variety of LGBT programming. The audio stream is at www.gayradiouk.com. Guests iunclude lesbian actress Amanda Barrie, gay icon Su Pollard and radical actor Richie Tomlinson. Daily programmes are uploaded at the most popular gay podcast site on the net, Feast of Fun www.feastoffools.net, with a speech based programme of LGBT guests, news digest and light-hearted discussion.
Galaxy North East
Monday-Friday 4-7pm: James Barr
BBC Radio Manchester - 95.1 and online
Every Monday 8pm: The Gay Hour, Ashley Byrne and Andrew Edwards
BBC London - 94.9 and online
Monday – Friday 3-5pm: Danny Baker. With Amy Lamé or Baylen Leonard
Gaydar Radio - Brighton, London DAB and online 24/7
Manchester's gaydio www.gaydio.co.uk
FYI Radio (gay youth radio) - online (currently only podcast but soon to grow to a fully fledged station) www.fyiradio.net
Last Tuesday of the month - 6pm
Out in South London - local LGBT radio show with Rosie Wilby and guests
Listen online at www.southcityradio.org
Saturday, January 2, 2010
LGBT related Radio and TV Programmes, 2nd - 8th January
We seek them out so you don't have to. This is our weekly non-exhaustive round up of upcoming LGBT programmes on the radio and television. Inclusion of a programme is not a recommendation.


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We are open every Saturday from 20th April until 28th September. Please use the calendar to view the latest events.
Add your name and email address below to be added to our mailing list.
The proposed plan for the garden of Chedham's Yard has been completed by Ringrose & England. You can download the plan in full using the links to the right, or move your mouse over the map below.


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Jatin Verma is teaching live on Unacademy Plus
DAILY THE HINDU NEWS ANALYSIS 3rd June, 2017 By Jatin Verma, Educator, Unacademy. unacademy
Amartya Sen argued for five components in assessing capability: I.The importance of real freedoms in the assessment of a person's advantage 2. Individual differences in the ability to transform resources into valuable activities 3.The multi-variate nature of activities giving rise to happiness 4.A balance of materialistic and nonmaterialistic factors in evaluating human welfare 5. Concern for the distribution of opportunities within society. Is to enjoy similar capabilities:such as an individual with severe disabilities whose treatment to ensure the fulfillment of basic capabilities may require dramatically more income compared to an able-bodied person. All sorts of differences, such as differences in age, gender, talents, etc. can make two people have extremely divergent opportunities of quality of life, even when equipped with exactly the same commodities
A still from the movie I Am Kalam
*Stop terror funding, says PM in Russia Mr. Modi emphasised that the world should move beyond the "good terrorism, bad terrorism" debate and block funding, weapons and communication modes of terrorists. . Mr. Modi emphasised that the world should move beyond the "good terrorism, bad .He also pushed for early decision on the Comprehensive International Terrorism (CCITD), a resolution pending b International Terrorism (CCIT), a resolution pending before the United Nations for the last 40 years.
Business Page: Stress in Telecom sector: Lenders give RCom 7 months to revamp debt. Where does the problem lie! ; One-time Spectrum Licence fee model Revenue sharing Model; Models of Telecom Spectrum allocation. Pay-As-You-Go Model.


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In-Store $140.00
The Miley is a classic espadrille wedge that provides balance and alignment with our built-in Aetrex Arch Support and 8mm of memory foam cushioning. The Miley Espadrille Wedge is designed to help relieve foot pain and discomfort; making it your favorite and most comfortable warm weather wedge.
Type: Unknown Type
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In Lake Forest:
(847) 234-0201
284 E. Market Square, Lake Forest, IL 60045. Click here for a MAP.
Hours of Operation: Mon 9am-6pm; Tues 9am-6pm; Wed 9am-6pm; Thurs 9am-7pm; Fri 9am-6pm; Sat 9am-5:30pm; Sun 11am-4:30pm.
In Libertyville:
(847) 362-1201
525 N. Milwaukee Ave. Libertyville, IL. 60048. Click here for a MAP.
Hours: Mon 10am-5:30pm; Tues 10am-6pm; Wed 10am-6pm; Thurs 10am-7pm; Fri 10am-6pm; Sat 10am-5:30pm; Sun 11am-4:30pm
© 2020 Forest Market .


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We offer a comprehensive service for our canine patients. If you need any help with any of the following please contact us.
- Routine preventative medicine
- Routine surgery
- Medical investigations
- Digital xrays
- Soft Tissue surgery
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- B.V.A. / Kennel Club hip scoring
- Export/ Import assistance
- Pet Travel Scheme
Follow this link to view a series of information sheets covering common problems, and practical advice on many issues http://ashleigh-veterinary-centre.com/information-sheets/canine/
Follow this link for Canine Behaivour http://ashleigh-veterinary-centre.com/information-sheets/canine-behaviour/


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Author: Administration Team of the EU Delegation to Georgia - Publication date: 06/07/2016
The European flag symbolises both the European Union and, more broadly, the identity and unity of Europe. It features a circle of 12 gold stars on a blue background. They stand for the ideals of unity, solidarity and harmony among the peoples of Europe.
Author: Strategic Communications - Publication date: 01/01/2016


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A beautiful long layered style with a full fringe. A mono-filament parting ensures a natural look and a comfortable fit. Adjustable straps for a custom sizing.
Made from natural looking acrylic fibers.
Do not use curling tongs, straighteners or hair dryer. Keep away from excessive heat such as an open oven, boiling water, barbeque grill etc.


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Syria: What Chance to Stop the Slaughter?
How should we make sense of the enforcement of a "red line" prohibiting one horrible weapon that has killed relatively few but leaving untouched the conventional weapons that the Syrian military has used to kill tens of thousands? It is easy to disparage a chemical weapons deal that aims to stop the method of slaughter responsible for fewer than 2 percent of Syria's estimated 115,000 deaths resulting from the conflict over the past two-and-a-half years while leaving unimpeded the means used to slaughter more than 98 percent. "Red light for chemical weapons, green light for conventional weapons" would fairly summarize the approach.
Yet it would be wrong to belittle September's last-minute diplomatic breakthrough in which Russian Foreign Minister Sergei Lavrov seized on US Secretary of State John Kerry's seemingly offhand remark that Syria could avoid US military action by surrendering its chemical weapons. To begin with, averting another US military intervention in the volatile Middle East is no small matter. Congressional support for President Barack Obama's proposed military enforcement of what he called his "red line" was by no means certain, but Russia feared the not-unimaginable possibility that the Senate would give Obama the support he sought and that he would then act without waiting for the likely House rejection.
Moreover, awful as it has been to watch on average five thousand Syrians killed each month by conventional weapons, the August 21 chemical attacks on two sites in suburban Damascus killed an estimated 1,400 in a single night. Despite government denials, the research of Human Rights Watch and others confirmed that the chemical weapons had been fired by the Syrian military. Without an international response, there were good reasons to anticipate the terrifying prospect that Syrian President Bashar al-Assad would deploy chemical weapons regularly.
So in the Syrian case, chemical weapons are different—and not simply because they are a long-banned indiscriminate weapon, as Kerry pointed out in making the case for a military response. After all, the United States keeps indiscriminate weapons in its arsenal—some, such as land mines and cluster munitions, that are banned by treaties the US has not ratified, and some, such as nuclear weapons, that are not explicitly outlawed. Rather, as Assad showed, chemical weapons are also different because of the extraordinary civilian toll they can exact.
In the cool nighttime air of late August, the heavy vaporized sarin seeped into the basements where many women, children, and other civilians had taken refuge from the fighting around them. A basement ordinarily is a good place to avoid rockets and artillery exploding above, but they turned deadly that night.
The Syrian government will undoubtedly try to squirrel away some chemical weapon capacity from its vast arsenal, but with Russia, its main political…
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Legal disclaimer
The material provided here is for informational purposes only and is not intended and should not be considered as legal advice for your particular matter. You should contact your attorney to obtain advice with respect to any particular issue or problem. Applicability of the legal principles discussed in this material may differ substantially in individual situations.
While the Texas Association of REALTORS® has used reasonable efforts in collecting and preparing materials included here, due to the rapidly changing nature of the real estate marketplace and the law, and our reliance on information provided by outside sources, the Texas Association of REALTORS® makes no representation, warranty, or guarantee of the accuracy or reliability of any information provided here or elsewhere on texasrealestate.com. Any legal or other information found here, on texasrealestate.com, or at other sites to which we link, should be verified before it is relied upon.
Monthly Archives: January 2018
1 of these 2 words must be in your team name starting May 15
The Texas Real Estate Commission's revised advertising rules go into effect May 15, and that means new requirements for team names. The latest Texas REALTOR® Magazine Minute covers what words must be included in a team name and what's prohibited. Read … Continue reading
What brokers should know about branch-office licenses
I sponsor several agents who work out of their homes. I have a license for the main office, but another broker told me that I'm required to also have a branch-office license for every agent's home. Is that true? It … Continue reading
From the Hotline: When the seller wants to accept a second offer
Members sometimes call the hotline when a seller is under contract but wants to accept a second offer that is higher. However, accepting the second offer is problematic. Doing so can bind the seller to two contracts to sell his … Continue reading
Are you leaving money on the table?
You can save up to 60% on office products and printing services through Office Depot and OfficeMax. Use this discount card to take advantage of this member benefit.
What counts as a smart home?
Smart home devices allow users to remotely monitor and control features of a home. That could be locks, garage doors, light bulbs, smoke alarms, outlets, cameras, other sensors—or all of them at once through an internet-connected hub. More homeowners are incorporating … Continue reading
Comment on new and revised commercial forms
The Texas Association of REALTORS® has proposed four new commercial forms: Commercial Contract Condominium Addendum (Incomplete Construction) (1946) Commercial Request for Evaluation Materials and Confidentiality Agreement (1947) Commercial Lease Notice of Tenant's Breach of Lease (2123) Commercial Sublease Guaranty (2124) … Continue reading
Why the size of warehouses has doubled since the 2000s
A new report from CBRE shows that the average size of warehouses built in the U.S. during 2012 to 2017 has more than doubled compared to the last development upswing, from 2002 to 2007. The average warehouse size increased by … Continue reading


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U.S. immigration laws are complex and ever-changing. The attorneys at the Gunderson Law Group are members of the American Immigration Lawyers Association (AILA) and take care to ensure they are kept up to date on the latest changes in immigration law. While we cannot guarantee a particular outcome, we can help you understand your options and help you determine the best way to achieve your immigration goals. To set up a consultation with one of our Mesa immigration lawyers, contact us.
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- Crowned
- Crowned Crowned (kround), p. p. & a.
1. Having or wearing a crown; surmounted, invested, or
adorned, with a crown, wreath, garland, etc.; honored;
rewarded; completed; consummated; perfected. ``Crowned
with one crest.'' --Shak. ``Crowned with conquest.''
[1913 Webster]
With surpassing glory crowned. --Milton. [1913 Webster]
2. Great; excessive; supreme. [Obs.] --Chaucer. [1913 Webster]
The Collaborative International Dictionary of English. 2000.
Look at other dictionaries:
crowned — crowned; un·crowned; … English syllables
crowned — adjective 1. having an (artificial) crown on a tooth (Freq. 1) had many crowned teeth • Ant: ↑uncrowned • Similar to: ↑capped • Topics: ↑ … Useful english dictionary
crowned — /krownd/, adj. 1. characterized by or having a crown (often used in combination): a crowned signet ring; a low crowned fedora. 2. originating from or founded on the royal crown or its associated dignity, sovereignty, etc.: crowned despotism.… … Universalium
Crowned — Crown Crown (kroun), v. t. [imp. & p. p. {Crowned} (kround); p. pr. & vb. n. {Crowning}.] [OE. coronen, corunen, crunien, crounien, OF. coroner, F. couronner, fr. L. coronare, fr. corona a crown. See {Crown}, n.] 1. To cover, decorate, or invest… … The Collaborative International Dictionary of English
crowned — adj. Crowned is used with these nouns: ↑head, ↑king … Collocations dictionary
crowned — adjective see crown I … New Collegiate Dictionary
crowned — adj. having a crown; having an artificial crown on a tooth; laurelled kraÊŠn n. headdress worn by royalty; decorative headdress; wreath worn on the head; top part of the head; summit, highest point; epitome; part of the tooth above the gum;… … English contemporary dictionary
Crowned lemur — Crowned lemur[1] Conservation status … Wikipedia
Crowned Lapwing — In Mikumi National Park Conservation status … Wikipedia
Crowned: The Mother of All Pageants — Format Reality, Game Show Judges Carson Kressley Shanna Moakler Cynthia Garrett Country of … Wikipedia


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These Rolo Pretzel Turtles are the most amazing 10 minute treat you will ever make. 3 ingredients is all you need…a pretzel, a rolo and a pecan!
There honestly probably isn't an easier Holiday treat to make than these little homemade chocolate turtles. These chocolate haystacks may be a close second though.
Made with twist pretzels, Rolo caramel candy and pecan halves, they can be made in less than 10 minutes. You can even cool them quickly in the freezer for a few minutes if you need them ready to devour even sooner.
Twists or square pretzels
Rolos candy
Halved pecans
Preheat the oven to 350 degrees F.
Place the pretzels on the tray.
Unwrap rolos and place one top of each pretzel.
Bake for 3 minutes or until the rolos are soft (but not melted).
Immediately place a pecan onto the center of each rolo and gently press it down
Allow the chocolate to harden.


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Welcome to NCS Chicago West
NCS is a network of men joined by a common desire for a deep
and abiding friendship with Jesus, and lasting and transparent friendships with each other.
When and Where We Meet
We meet every Friday as a chapter.
When: 6:45 to 8 AM CST
Where: Glendale Lakes Golf Club
1550 President St, Glendale Heights, IL 60139
We do take the month of July off and Fridays where a holiday falls on that day.
Click here for more info
About Our Chapter
NCS Chicago West is really a "place for grace" where men experience real care for each other – and where that experience becomes the motivation to change the way they live.
Why We Meet


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New Look
I was browsing WordPress themes today and decided that I really like this one, even though it doesn't have a custom header. It's says "farm" to me without having corn and wheat and little tractors or cows all over it (although, I could kind of see that with this theme! Maybe a little red Farmall in the search corner and some Dutch Belteds grazing as a footer?).
Today was blazing hot again, so maybe that's why I like the lush, cool green look of this thing.
Dinner was leftover red beans & rice with some fabulous cornbread I made from a recipe on Epicurious. The original recipe was called Cheddar-Buttermilk Corn Bread, but I didn't want cheesy cornbread. I wanted the slightly sweet stuff I grew up on as a child (yes, I'm a Yankee, so sue me) and dammit, I wanted it with real maple syrup on top. So, I tweaked the recipe a bit, as per some suggestions in the reviews. Here's the end product:
Buttermilk Cornbread:
1 cup all purpose flour
1 cup yellow cornmeal
1/4-1/2 cup sugar
2 teaspoons baking powder
1 teaspoon baking soda
1 teaspoon salt
1 cup buttermilk
1/2 cup heavy cream
2 large eggs
1/4-1/2 cup butter, melted, cooled slightly
Preheat oven to 400°F. Butter 8×8 glass baking dish. Whisk dry ingredients in medium bowl to blend. Whisk buttermilk, eggs, cream, and melted butter in another medium bowl to blend. Add buttermilk mixture to dry ingredients and gently stir/fold just until incorporated; do not overmix (it's okay if there are still a few crumbles of dry meal in there, they'll absorb the moisture when they bake). Pour into baking dish and smooth top with spatula or spoon. Bake until bread is golden on top and tester inserted into center comes out clean, 20-25 minutes, depending on whether or not your oven was fully preheated when you popped it in.
This stuff turned out moist and a deep golden brown with a very fine crumb and an even texture that absorbed maple syrup in a flash. It even cut perfectly into firm, but not too dense and still pretty fluffy squares. It wasn't really all that sweet, but it wasn't salty or bacon-y either (like many southern-style cornbreads). It was pretty much perfect. This is definitely going to be my go-to recipe for the future. We'll see if it holds up any better than other cornbreads (I covered the pan tightly with tinfoil while still hot), which it might, since it was so moist. I might even make a peach trifle out of it tomorrow night. Got all that heavy cream to whip up, since I went out and bought more. *angelic look*
Tomorrow the boy and I are going with a friend to Lake Minnewaska state park. We're leaving at 9 AM so we can hopefully do a bit of hiking before it gets too hot to move, at which point we'll go swimming in the very clear, very clean, and usually cold waters of Lake Minnewaska. Then it's a picnic lunch and home to air conditioning for the hottest part of the day.
As for right now? Time to go rinse off the sweat I worked up feverishly cleaning house for tomorrow's visit from a friend. She's going to a wake later in the evening that is just north of us (she lives about an hour south of us), so she's going to shower and get ready here. However, that meant that we had to scrub our bathroom! Luckily, the boy does bathtubs. Isn't he amazing? : D


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Alfred State senior volleyball players Madison Webster (Corning) and Sarah Raichlin (Binghamton/Chenango Valley) have been named to the All-ACAA team. Webster was a 1st team selection while Raichlin earned 2nd team honors.
Webster, who was a 2nd team All-ACAA selection last season, moved from her libero position to an outside hitter role this season. She finished the year with 282 digs (4.03/set), 231 kills (3.3/set), and 54 service aces. She recorded over 10 digs in 18 matches and had 13 matches with over 10 kills. On the year she had 11 double-doubles. She finished her career as the all-time leader at Alfred State with 1,423 digs.
The entire Pioneer offense ran through the hands of Raichlin this season. In her 21 matches played, she passed out 584 assists (8.34/set) and recorded 52 service aces. She passed out 20 or more assists in 19 games, 30 or more assists in six matches, and recorded two matches with over 40 assists. During the season, Raichlin eclipsed the 1,000 assist mark for her career - she finishes her two-year career at Alfred State with 1,100 assists.
Sophomore Kiara Perkins (Coudersport, PA) was named honorable mention after recording 207 kills, 146 digs, and 41 service aces in 21 matches.
The Pioneers finished the 2018 season with a 9-12 overall record and advanced to the ACAA Semifinals last weekend.


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Tour operator says guides and guests are being harassed
Tour operator, Yhonny Rosado, surfaced as one of the most outspoken critic in the recent cruise tourism crisis. Rosado was on the frontlines when the livelihood of tender operators came under threat by major cruise lines that call on Belize. Today, Rosado, who is the owner of CaveTubing.com, called a press conference and made serious allegations that his tour guides and guests are being harassed. News Five's Marion Ali has a report on Rosado's plight.
Flanked by the leaders the Federation of Cruise Tourism Associations of Belize, FECTAB, Tom Greenwood; Yolanda Schakron of Belizeans for Justice; and President of the Coalition Organized for Liberty through Action, COLA, Moses Sulph, owner of Cavetubing.com, Yhonny Rosado charged that the harassment against his company is carried out by elements of the Police Department.
Yhonny Rosado, Cavetubing.com
"If you go to Altun Ha, you don't see manhandling because Cavetubing.com does not go there. If you go to Xunantunich, you don't see officers with guns because Cavetubing.com does not go to Xunantunich. You go to Lamanai, you don't see that. Come to Caves Branch National Park, Nohoch Che'en, and you will see the police officer waiting for Cavetubing.com. The police is provoking my guys and myself to do the wrong thing not knowing that we have the media and this is the tool that we are using to fight the cause."
Rosado feels the treatment is the result of his position against Carnival Cruise Line and Chukka Bak-a-Bush Tours earlier this year when he spoke out against what he thought was unfair treatment by those companies on other local tour operators. Now Rosado finds that it is his company that has come under heat and says that upon inquiry, he discovered that the attacks are orchestrated by the sector he least expected it from.
"And B.T.B. should answer because the police is there claiming that they are doing the job for the B.T.B. B.T.B. is saying they're spending thousands if not millions of dollars advertising our country. If they are advertising that Belize is beautiful, how comes our police officer is roughing my guys and my guests, that is not part of beautiful Belize."
To bolster his allegations of harassment, Rosado had two of his employees on hand individuals who work for him in the industry to give first hand experiences during tours. The testimonials have garnered the support of the Federation of Cruise Tourism Associations, FECTAB, whose President, Tom Greenwood was adamant in making a number of demands of those at the helm of the industry.
Tom Greenwood, President, FECTAB
"To issue a statement on the crystal cave ramparts and stairs emplaced by Chukka Caribbean that spoils the whole view of that skylight, which I understand was put there with the permission of somebody from NICH. I am calling on Doctor Jaime Awe to live what he has told me; that that is sacred landscape to the Maya. Tek it down! I'm asking them to make a statement and a strong one on the uneven playing field at Caves Branch. We demand the immediate ceasing of a two-gate system. Everybody must go through that booth at NICH. Now we take it one stage further. The federation hereby requests the Prime Minister of Belize to suspend the license of Carnival Cruise Lines in Belize for three months—suspend Carnival Cruise Lines for three months. Show them who is the boss in Belize. And trust me when I tell you this, it ain't the first time it will happen to those people. It's happened in the Caribbean because they do nothing, but give trouble—they noh care. They do not care! So some of the islands, Cayman, magic. Cayman tell dehn hear what? Tell me when you gwen boss [because] I wah give your space to somebody else."
The other leaders present, Yolanda Schakron and Moses Sulph, were fully supportive of Rosado.
Moses Sulph, President, COLA
"It is clear Mister Yhonny that because yoh stand up justice and because you stand up for what is right, you will be target of victimization and that is why people of all different level in society have to come together who are facign their small pockets of injustice within them own corner. Injustice everywhere to me is something that is wrong. And as long as it is injustice, it should not be tolerate. There should be what you call a level playing field that is given to Mister Yhonny and all the other tour operators. We're saying to the authorities—whether that be the B.T.B., the government, give a level playing field. If you check one, you check all. If you noh check all, noh check none at all."
Yolanda Schakron, President, Belizeans for Justice
"We have decided that we will stand in solidarity with any organization that is facing injustice in any form. I know people who are my critics are out there saying why dah lady noh shet up ih mouth. Well this lady noh di shet up ih mouth because this lady, Belizeans for Justice, wants equality for our people."
The allegations did not end at harassment because Rosado claims that there are other tour guides operating with fake licenses. This is something News Five could not verify with the Belize Tourism Board because their Director, Seleni Matus was not in today and our call for their Director of Destination Planning, Kevin Gonzalez, was not returned. We intend to follow up on this story in the days to come. Reporting for News Five, I am Marion Ali.
Greenwood says if FECTAB does not get a satisfactory response from the powers that be within the next two weeks then his association will turn up the heat.


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Born and raised in Ocean Township I proudly represents Gloria Nilson and Co. Real Estate as a professional who brings integrity, experience, and endurance to every venture.
As your agent and trusted adviser, I will dedicate myself to guiding you through the complicated and sometimes overwhelming process of buying and/or selling your home; I will use any and all resources available to me to help you achieve the best possible price in the shortest amount of time; and I will bring the absolute highest level of professionalism and courtesy to the table. When you choose to work with me, you're also getting the entire Gloria Nilson & Co. team!


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Power Efficiency Guide
As the term suggests, these are systems which are focused on a nodal form of absorbing the energy of the waves to generate electricity. One technology which is on the verge of being market ready is the Interproject Service (IPS) Offshore Wave Energy Converter (OWEC) system. This uses only wave energy and is not affected by tidal or ocean currents (see Fig. 11.1).
The system consists of a floating buoy (A) attached to the sea bed by 'elastic' moorings enabling it to exploit the motion of the waves. The buoy height is 5-6 metres with a diameter of 5-10 metres and requires a water depth of 40-50 metres. Attached to the buoy is a vertical tube or 'acceleration tube' (B) of a length around three times the diameter of the buoy up to 25 m. Within the acceleration tube there is a free moving piston (C) which has a restricted stroke to prevent overloading of the system.
The principle is that the buoy moves vertically against the damping mass of the water in the acceleration tube under the buoy. The relative movement between the buoy and the water mass in the tube is transferred by the piston (D) into the energy conversion system consisting of a hydraulic pumping cylinder which, via a hydraulic motor, drives the generator (E). The OWEC converts 30-35% of the energy of the waves into electricity. It is suggested that there would be clusters of units making up a complete power plant which could generate over 200 kW.
Figure 11.1 Offshore Wave Energy Converter (OWEC) (courtesy of Interproject Services)
The Danish Maritime Institute has developed another form of point absorber which also employs a float connected by a polyester rope to a suction cup anchor. The rope is attached to a hydraulic actuator within the float which pumps fluid into a high pressure hydraulic accumulator. The return stroke is provided by a hydraulic fluid from a low-pressure accumulator. As waves create motion in the float, a pressure difference between the high and low pressure accumulators builds up. The pressure difference drives a hydraulic motor and generator. A system with a 5-6 m diameter would have a rated output of 20-30 kW The ultimate objective is to construct a 10 m buoy with an output of around 120 kW (see Fig. 11.2).
A variation on the theme has been developed by the Energy Centre of The Netherlands (ECN). It is called the Archimedes Wave Swing and consists of a number of air-filled chambers below the surface of the sea. Above these are movable floats in the form of hoods which oscillate vertically with the pressure created by the wave motion. These would be about 20 m in diameter and weigh roughly 1000 tonnes. The top of each float is shaped like a funnel which maximizes the point absorbing effect. As a wave crest moves over the hood, the internal pressure rises. The trapped air is pushed into another chamber and the hood begins its descent. The process is reversed in a wave trough. The vertical motion is converted to rotary action to drive a generator. The system is positioned about 20 m below the surface with the float designed to be in balance with that amount of water above it. At this depth the system is protected from damage from extreme storms (see Fig. 11.3).
The intention is that groups of three floats will be connected so that as a wave progresses it creates a succession of oscillations. It is reckoned that a three-chamber unit will produce about 2.7 MW
The first successful shore-based wave energy device in the UK was installed on the Isle of Islay in the north of Scotland. It was designed by The Queen's University, Belfast, and it works on the principle of the oscillating water column (OWC). Incoming waves enter a concrete chamber and force air into a turbine linked to a generator. The outgoing wave sucks air back through the turbine which is designed to rotate in the same direction under both circumstances. This patented system is called a Wells Turbine. This prototype generated
75 kW which went directly to the Grid. Following the success of the prototype, a larger scale version called The Limpet was installed with a capacity of ~450 kW (see Fig. 11.4).
At Port Kembla in Australia a wave energy device which is a variation on the oscillating water column (OCW) principle is now operational. It was designed to be installed against the sea side of harbour walls or rocky peninsulas where there is deep water. A parabola-shaped wave concentrator extends into the sea, amplifying the waves by a factor of three by the time they reach the focal point. There they enter an air-filled chamber, forcing the air forwards and drawing it backwards through an aperture leading to a turbine as the waves arrive and then retreat. The angle of the turbine blades is adjusted via a sensor system so that they rotate in the same direction regardless of the direction of the air flow. This involves a pressure transducer which measures the pressure exerted on the ocean floor by each wave as it enters the chamber. A voltage signal proportional to the pressure is sent to a programmable logic controller (PLC) indicating the height and duration of each wave. The PLC adjusts the blade angle through a series of pinions and planet gears. A motion software program ensures that the information from the pressure transducer is translated into the optimal blade position at any given moment (see Fig. 11.5).
The Port Kembla installation has a peak capacity 500 kW and an output of over 1 GWh/year which is fed to the grid. The economics of the system compare favourably with solar energy and wind power. With refinements to the system the unit price is expected to outclass all competitors. A single installation of this kind has the potential to generate 1000 kW which would power 2000 homes (Caddet). Several sites in Australia such as the Bass Strait and Southern Australia coast have the wave potential to generate up to 1 MW per unit.
In the right location, wave energy is more consistent and thus less intermittent energy source than either wind or solar. It causes no pollution and by offsetting the fossil generation saved by the plant, the savings in CO2 are around 790 tonnes/year.
Currently under test in the Orkneys is a snake-like device called Pelamis, which consists of five flexibly linked floating cylinders, each of 3.5 m diameter (see Fig. 11.6). The joints between the cylinders contain pumps which force oil through hydraulic electricity generators in response to the rise and fall of the waves. It is estimated to produce 750 kW of electricity. The manufacturer, Ocean Power Devices (OPD), claims that a 30 MW wave farm covering a square kilometre of sea would provide power for 20,000 homes. Twenty such farms would provide enough electricity for a city the size of Edinburgh. The first commercial Pelamis wave farm is
being installed off the Portuguese northern coast. It consists of three P-750 units rated at 2.5 MW installed capacity. The Portuguese government has also issued a letter of intent to order a further 30 Pelamis machines subject to the satisfactory performance of the first project.
The UK and Portugal are currently the focus of wave power investment due both to their geography and to the subsidies available for demonstration projects.
Like Scotland, Norway enjoys an enormous potential for extracting energy from waves. As far back as 1986 a demonstration ocean wave power plant was built based on the 'Tapchan' concept (see Fig. 11.7). This consists of a 60-metre long tapering channel built within an inlet to the sea. The narrowing channel has the effect of amplifying the wave height. This lifts the sea water about 4 metres depositing it into a 7500 m2 reservoir. The head of water is sufficient to operate a conventional hydroelectric power plant with a capacity of 370 kW
A large-scale version of this concept is under construction on the south coast of Java in association with the Norwegians. The plant will have a capacity of 1.1 MW As a system this has numerous advantages:
• the conversion device is passive with no moving parts in the open sea
• the Tapchan plant is able to cope with extremes of weather
Figure 11.7 Wave elevator system, the Tapchan
• the main mechanical components are standard products of proven reliability
• maintenance costs are very low
• the plant is totally pollution free
• it is unobtrusive
• it will produce cheap electricity for remote islands.
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The solar Stirling engine is progressively becoming a viable alternative to solar panels for its higher efficiency. Stirling engines might be the best way to harvest the power provided by the sun. This is an easy-to-understand explanation of how Stirling engines work, the different types, and why they are more efficient than steam engines.
Are point absorbers resemble buoys renewable?