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4:21 PM EST, Mon December 05, 2022
Maryland Terrapins Rumors & News
Baltimore Sun Dec 3, 2022
From Illinois coach Brad Underwood's struggles in College Park to senior guard Hakim Hart becoming a reliable scorer, here are three takeaways from Maryland's eighth win of the year.
Baltimore Sun Nov 30, 2022
Taulia Tagovailoa, a redshirt junior, was among three Big Ten quarterbacks to be named to the second team, joining Purdue's Aidan O'Connell and Michigan's J.J. McCarthy.
Baltimore Sun Nov 29, 2022
From another strong performance by senior Donta Scott to the Terps' 3-point outburst in the second half, here are three takeaways from new coach Kevin Willard's seventh win in as many games at Maryland.
Baltimore Sun Nov 26, 2022
Maryland football earned its seventh win of the season, 37-0 over Rutgers, behind quarterback Taulia Tagovailoa and a defense that earned its first shutout since 2008.
Baltimore Sun Nov 25, 2022
Sophomore forward Julian Reese scored a career-high 24 points and added 10 rebounds and two blocks to lead the Terps to 95-79 victory over Coppin State.
Terrapin Station Nov 21, 2022
The long wait is nearly over! Maryland is set to launch legal sports betting, so it's time to celebrate and take advantage of FanDuel Sportsbook's sensational promo for new Maryland users today: Bet $5, Win $200 on any bet. I'll explain how it works and what to do but read closely to ensure you don't […] FanDuel Maryland Promo Code: Bet $5, Win $200 Guaranteed Today - Terrapin Station - Terrapin Station - A Maryland Terrapins Fan Site - News, Blogs, Opinion and more.
Baltimore Sun Nov 20, 2022
The Maryland Terrapins women's basketball team plays Baylor in Waco, Texas on November 20, 2022.
Baltimore Sun Nov 20, 2022
Donta Scott had 24 points, eight rebounds and three assists and all five starters scored in double figures as the Terps cruised past Miami, 88-70, to capture their first regular-season tournament championship since 2019.
Baltimore Sun Nov 19, 2022
Donta Scott tied a career high with 25 points to lead Maryland over Saint Louis, 95-67, in the opening game of the Basketball Hall of Fame Tip-Off.
Baltimore Sun Nov 10, 2022
Sophomore forward Julian Reese scored a career-high 19 points and the Terps played lockdown defense to secure a 71-51 win over Western Carolina on Thursday night.
Baltimore Sun Nov 8, 2022
From sophomore Julian Reese struggling in the first half to the importance of their perimeter defense, here are three takeaways from the Terps' 46th straight home-opening victory dating to the 1977-78 season.
Baltimore Sun Nov 7, 2022
Senior forward Donta Scott scored a team-high 18 points and transfer guard Jahmir Young added 14 to help the Terps beat Niagara, 71-49, in their first game under new coach Kevin Willard.
Baltimore Sun Nov 7, 2022
The Terps finally filled their 13 scholarship spots, providing a glimpse of what the roster will look like in coach Kevin Willard's first year at the helm.
Terrapins Player News
Donta Scott
Three takeaways from No. 22 Maryland men's basketball's 79-54 win over Louisville
Julian Reese
No. 23 Maryland men's basketball surges past Coppin State, 95-79, to stay unbeaten
Taulia Tagovailoa
Maryland's Taulia Tagovailoa named Second Team All-Big Ten Conference, a first for a Terps quarterback
Hakim Hart
Three takeaways from No. 22 Maryland men's basketball's 71-66 win over No. 16 Illinois


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Employment Opportunity
EO No: 2022-026
National Campus
P.O. Box 159
Kolonia, Pohnpei FM 96941
"The FSM is currently under lockdown or heavily restricted for certain types of travel internationally and between states due to the COVID-19 pandemic. All candidates as a condition of employment to be hired must be physically present on Pohnpei Island, at least two weeks before the start of the employment period. If a candidate is selected but cannot meet this requirement this offer may be withdrawn."
Mission Statement:
The College of Micronesia-FSM is a learner-centered institution of higher education that is committed to the success of the Federated States of Micronesia by providing academic and career & technical educational programs characterized by continuous improvement and best practices.
The college currently faces a series of challenges; the president will have the opportunity to make a difference
in the following areas:
- Determine and implement strategies to secure future funding of the college including ways to increase student enrollment and retention;
- Work effectively with the Board, faculty, staff, and students;
- Maintain accreditation by offering high quality educational programs and services provided by outstanding faculty and staff aligned with the needs of the FSM;
- Enhance student access to learning;
- Cultivate a culture of genuine communication, inclusiveness, participatory governance, and respect for cultural diversity with a shared focus on student success; and
- Enhance overall standing of COM-FSM and advocate for the college in all arenas, including communities and leadership of the FSM.
- Review current technical programs across all sites and enhance and/or develop programs to address the needs of the nation.
The President is appointed by the Board of Regents to serve as the chief executive officer of the College of Micronesia-FSM (COM-FSM) and as the official advisor to and executive agent of the Board of Regents. The President is a non-voting ex officio member of the Board and attends all Board meetings. The President, as educational and administrative head of the college, devotes her/his full time to exercising a general superintendence over all affairs of the institution and brings such matters to the attention of the Board as are appropriate to keep the Board fully informed in discharging its policy-making responsibilities. The President, on behalf of the Regents, performs all acts and executes all documents to make effective the
actions of the Board.
- Has primary responsibility for the quality of the institution including planning, development, organizing, selecting and developing personnel, and assessing institutional effectiveness with the primary focus on student success;
- Secures sufficient funding for the college by enhancing relationships with the FSM and State governments, increasing student enrollment, securing funding for implementation of the college's master infrastructure development plan, obtaining grants, and growing the endowment fund;
- Establishes a collegial process that sets the college's values, goals, and priorities;
- Appreciates cultural diversity and supports an inclusive college community;
- Ensures the college sets institutional performance standards for student achievement;
- Ensures that evaluation and planning rely on high quality research and data analysis of external and internal conditions;
- Ensures that educational planning is integrated with resource planning and allocation to support student achievement and learning;
- Ensures that the college's annual budget allocates resources to support learning and achievement;
- Establishes procedures to evaluate overall institutional planning and implementation efforts to achieve the mission of the college;
- Enhance recruitment, development, support, and retention of quality faculty and staff;
- Plans, oversees, and evaluates an administrative structure organized and staffed to reflect the college's purposes, size, and complexity;
- Delegates authority to administrators and others consistent with their responsibilities, as appropriate;
- Provides primary leadership for accreditation, ensuring that the college meets or exceeds ACCJC Eligibility Requirements, Accreditation Standards, and Commission policies at all times;
- Assures the implementation of statutes, regulations, and Board of Regents policies and assures that college practices are consistent with the college's mission and policies, including effective control of budget and expenditures;
- Maintains a highly visible leadership role, working and communicating effectively with the communities served by the college including the Board of Regents, faculty, staff, students, and stakeholders to enhance the effectiveness and standing of the college;
- Perform such other additional duties as the Board may require
Applicant must have the educational credentials from a regionally accredited institution and executive leadership experience necessary to earn the respect and trust of the college, its associates abroad, and the public and private sectors in the Federated States of Micronesia. Foreign credentials must be equated to meet US standards using World Education Services at http://www.wes.org. A master's degree is the minimum qualification. Significant prior executive leadership responsibility, considerable experience in an institution of comparable size and complexity, proficiency in addressing the challenges faced by COMFSM are required. Higher education teaching experience preferred.
To ensure full consideration in the COM-FSM presidential search, candidates must submit the following documents in PDF to email@example.com
- A letter of interest addressing how the candidate's professional qualification and experience match the challenges and position profile (not to exceed three pages);
- COM-FSM application form http://www.comfsm.fm/jobs/HRdocs/employment08.pdf
- A current resume which includes personal email address and cellular phone number;
- Copies of transcripts for all degrees earned;
- Court report (background check) under 6 months old; and
- A minimum of five professional reference letters under six months old.
The College reserves the right to request or require from any applicant additional documentation or certification in addition to the minimum requirements stated in this advertisement in order to be considered for this position. All persons applying must meet or exceed any additional qualifications required in the COM-FSM Personnel Policy and Procedure Manual.

subset: commoncrawl


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I got my personal mobile phone removed three days ago for my levels
this is certainly later but i will be on your own exact same boots rn nd i use yahoo sound to my chromebook to text message my personal bf nd bsf
thus i features a rigid butt action father and i also provides to do this far shit and so i can be romantic to the greatest man while i might be but lately i haven't over all my shit for example taking out the newest recycling cleanup and you may the new rubbish and you can cleaning and you may creating my room daily and you may providing my mother with my more youthful siblings and you may helping to cook eating. thus this morning my personal action ass father took away my cellular phone Once and for all the guy said he had been browsing return it( bear in mind i simply got so it and it's really only the 2nd cell phone we have had plus it however has not yet even become 90 days thus he is able to nonetheless return it as well as have their cash return) i am plus on my university chromebook immediately so like everything you is bound. i've had at the least 5 rational malfunctions since i had they removed :/ excite assist. (((
dude whether your household by yourself declaration your duh such as in the event that hes putting so you can much strain on then you definitely only call the authorities or something but the high-risk for people who parents connect you your own dead meat so uhh ye
lmao. However, my personal parents really performed one particular lead to my personal moms and dads said i happened to be becoming impolite whenever i said that my personal spanish teacher inhale stinks (lmfaooo) and so they took my phone. idk once i have it right back develop i get my mobile right back 2nd week-end :/. right after which my personal mother believes im depressed factor in something most likely occurred in school.. i am perhaps not depressed i will be only bored.. ive experienced my personal room all the time.. experiencing songs.. to my college or university computers.. and you can to tackle a monotonous video game.. and you may she miracle as to why im acting all the unfortunate..
Okay practically she takes they out on no account(when i just got they straight back immediately after having it eliminated for two days) whenever I demonstrate that I'm sad bc I am practically slashed off from men she will get also madder and you can I am instance askjkdksj exactly what in the morning We said to be Delighted??
advice is to circulate tf outta here Im 17 and you may I am moving out from inside the age question their speaking of immediately your don't have to pay attention to them your own a whole mature my birthday celebration are December very I am living with my partner within the lady flat up until We finish senior high school and also have career advancement
We have finished my homework step three weeks before it is due and you will now have nothing to create
haha. for those who genuinely have a bad existence yourself then create they nevertheless don't do not have mobile phone and youll starve. i will be several also therefore i see and you may i'm considering not food up until my personal phone becomes straight back, Will get 10th. your appear chill tho
merely know what age this type of statements was – anywho, for people who nevertheless havent try to escape you might go to good members of the family home and get her or him if you possibly could have some blogs. see a place youre probably and Growth youve hightail it
i would run away however, instance i just have for example a couple of friends and perhaps they are family was each other nearest and dearest with exploit :///// i recently knew how sad my entire life is actually
i feel your i will be 15 and you can disheartened and my mobile phone support with my despair and i also started using it drawn for lifetime very for folks who had tips and ready to show getting it back excite let me know i am most of the ears
I am just rooted for a lifetime once the she trapped me personally, but my father merely passed away and it's really for example she anticipates me to sit down to all day long and do homework
I am 14, together with ditto heppened in my experience. At long last discover a person who forced me to and made myself make fun of, however, my mom discovered and you will grabbed my personal mobile phone. I found it a few days after and started playing it in the evening when she try resting. We neglected my mother, didn't talk to this lady, and you will lived in my personal area from day to night. We nevertheless performed exactly what she asked however, did not talk to her. I have not got my personal ohine straight back yet ,, but she informed me has just that she actually is planning on giving it back into me.


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Watch: Lovelyz's Kei, Soyou, Bada, And Kim Wan Sun Take Over "Ask Us Anything" With Their Charms In New Preview
Four talented female singers from different generations will be appearing on "Ask Us Anything"!
On April 20, JTBC released a preview of next week's episode featuring S.E.S.'s Bada, Kim Wan Sun, Soyou, and Lovelyz's Kei.
The preview begins with short clips of each guest's performance. The show introduces Kim Wan Sun as the "original fairy," Bada as the "first generation fairy," Soyou as a "summer fairy," and Kei as a "lovely fairy." Lee Soo Geun then announces that they also have a fairy and Kang Ho Dong begins dancing in the center of the classroom.
Bada shows off her unique talent of singing in an extremely high pitch, but Kim Young Chul surprises everyone by singing along with her, leading to a hilarious face-off between the two celebrities.
Kei, Soyou, and Kim Wan Sun also showcase their distinct vocal styles by singing Patti Kim's "Can't Live Without You" (literal title) in their own way, and amaze the cast with cute, emotional, and sexy renditions of the song. The preview concludes with the cast and guests competing in a quiz battle to win food.
"Ask Us Anything" airs on Saturdays at 9 p.m. KST. Check out the preview below:
Watch a full episode now!


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The haze in Singapore has hit unhealthy levels for the first time in over three years.
Assoc Prof Loo Chian Min, Senior Consultant,
Department of Respiratory and Critical Care Medicine at
Singapore General Hospital (SGH), a member of the
SingHealth group, shares tips on how you can minimise the harm.
People with heart or respiratory diseases, as well as young children and elderly, should avoid going outdoors whilst the haze lasts in Singapore, experts advise. Even if you don't have a pre-existing health condition, you should minimise or avoid strenuous outdoor physical activity when the air quality is unhealthy.
According to the National Environment Agency, a PSI reading of:
Related article:
Haze precautions for children (with or without pre-existing medical conditions)
"Existing health conditions such as eczema, asthma, chronic obstructive pulmonary disease (COPD) and eye diseases like conjunctivitis are made worse by air pollution," says Assoc Prof Loo.
"Even healthy people can suffer from irritation in the eyes, nose and throat, coughing and sneezing, if they spend time outdoors during a smoke haze."
Related article:
How to survive an asthma attack when without an inhaler
Related article:
The better vitamin c source – fruits or supplements?
Articles on
HealthXchange.sg are meant for informational purposes only and cannot replace professional surgical, medical or health advice, examination, diagnosis or treatment.


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Juventus coach Massimiliano Allegri said Cristiano Ronaldo's departure from the club late in the transfer window left it with no time to replace him.
Juve agreed a deal with Manchester United for the 36-year-old Portugal forward to return to the Old Trafford club on August 27, four days before the window closed.
Moise Kean, 21, was brought in on loan from Everton to add to Allegri's forward options, but the Juve coach ideally would have liked more time to find other reinforcements.
"Just a few days from the end of the transfer window, we had no chance to replace him (Ronaldo)," Allegri told DAZN on Friday ahead of his side's trip to Hellas Verona on Saturday.
"The club was good at bringing in Kean, who has already scored two important goals, so I'm happy.
READ: Juve's Agnelli takes aim at Champions League in another call for change
"If Ronaldo had left a month earlier maybe the club would have had the chance to work in a completely different market. For that alone, it is not that Ronaldo is at fault, it is a question of the market."
Juve has endured a difficult start to the Serie A season. It is in seventh place in the standings, 13 points adrift of leader Napoli who is level on 28 points with second-placed AC Milan after 10 games. Inter Milan is third with 21 points.
All is not lost yet, however, according to Allegri.
"At this moment we cannot think of targets," he added. "Let's think about Verona and then the Champions League. One step at a time and let's see what to do," he said, with Group H leaders Juve hosting Zenit St Petersburg on Tuesday.
"I think Inter remain the favourites for the (Serie A) title, but Milan and Napoli are doing well and have what it takes to win the championship. Then you never know. In football you can also have four negative games in a row."


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You will probably think that I am strange when I tell you this. I'll admit it; even I think I'm a bit weird.
The thought of packing my backpack for an impending trip really excites me. The thought of simplifying my life down into the contents of one bag really gets me going.
Yes, folks, it's true: I actually enjoy living out of a backpack.
In this post I'll explain why I like it so much, share my process of learning to pack my bag for the first time, learning what the essentials for backpacking are, and how backpacking changed my attitude towards possessions in general.
Understanding your pre trip packing
Soon after I purchased my first backpack, I was feeling a little stumped.
What should I pack for a year long trip, through different countries and all weathers, and how on earth was it going to fit in there?
I read books and articles on what to pack for a round the world trip.
I wrote lists detailing all the things I would and wouldn't need. I ignored them. I packed. I unpacked. I cursed. I halved the contents and bargained with myself.
I did more research. I rewrote my list. I packed again.
Read: My list of essential items for first time backpackers!
'Wouldn't need' was, and still is, certainly the most challenging category. You know you need a few pairs of underwear, for example, as that goes without saying, but do you need a mid-length pair of trousers, or will shorts and just one long pair suffice? Will you want a thicker sweater, or can you make do with a thinner cardigan and a wrap if needs be?
Jeans are out. Lightweight, dark colours are in. A sarong can be a cover up in temples, an emergency towel, useful on the beach and a Godsend on long, cold overnight buses.
It's all compromise, rationalise and economise. And I don't know about you, but thinking about all that is enough to make me start wringing my hands.
You are trying to predict the scenarios, weather and activities you haven't yet experienced in places you've not yet visited. The clothing you bring will have a direct impact on whether you will be hot, cold, wet or just generally totally inappropriately dressed for the occasion.
Yet, I find all of this somewhat exhilarating. Once you have whittled down your selection, stuffed it in the bag, zipped it up and hoisted it onto your back, you are good to go.
Travel tips for planning your first solo adventure
I've written loads on the topic of getting ready for your first time solo trip. You may like to have a read of:
- Packing essentials for every first time backpackers
- Staying in a hostel for the first time
- First time aeroplane travel tips
- Where to on for your first time solo trip
- Tips on booking your first time trip.
Your backpack and you
You and your bag become a team, a unit. Together you hit the road and explore the world. It's your pillow, your emergency seat, your lifeline and your rock.
When you realise that all you need can fit into one bag, it can be very liberating.
You see, what I did not appreciate as I agonised over my pre-trip packing in 2011, is that you can get by on just the bare essentials of clothing and personal items.
And funnily enough, when all you own fits into one bag it is amazing how much less you even focus on what you have and don't have. You wake up, choose to wear one of the three t-shirts you have packed, pull on a pair of shorts and you are out the door.
Admittedly, you will be sick of the sight of the same clothes after two months, but that's ok. At that point you're past even caring.
And if they are worn, torn or lost along the way, you realise that clothes can just be replaced. If you replenish your wardrobe from the bright colours of a Cambodian market, from that day onward the dress or t-shirt you chose will always have a cool story behind it.
But it's so much more than just the clothes on your back. In addition to your incredible capsule wardrobe, all you will probably have packed is your travel diary, chargers for your electronics, a book and toiletries.
And that, my friend, is all.
The minimal life of a backpacker
Of course, I know that leaving behind your home comforts can be a wrench – the soft bed, the fluffy towels, your hair straighteners, your Playstation. It is tough, I've done it (well, apart from the Playstation).
Take my friend, Debbie, for example who quit her job only a few months ago, packed up her apartment and headed out to Australia for three months. She managed the whole process of minimising her existence and embracing life in a backpack marvellously.
But these are all aspects of your home life that you choose to shelve for a few months whilst you step outside the comforts of your cosy cocoon to experience life slightly differently. You can live without these things, as horrific as it may be to rip yourself away from your favourite catch-up TV programmes, but they will still be there for you on your return.
And you realise you can get by perfectly well without them. Who needs WiFi when you're sleeping in a thatched roof hut on the beach of a Thai island?
Isn't life simple when you're not bogged down by all this extraneous stuff?
Live out of a backpack
I am planning my next trip away and thinking about my backpack lying in anticipation in the attic. I think I may bring it down in advance, just to look at it, and picture cramming my life into its trusty seams once more.
Could you pare down your life to live out of a backpack?
I bet you could.
Give it a whirl and you will get a sense of what you need, what you value as essential and what you can do without.
If you're anything like me, I'll bet you will come away from the experience feeling lighter. And I'm not just talking about the backpack either.
Inspired to travel? You might like what I've got to say on:
- Why I think travelling alone is something you should do
- What it feels like to embark on your first solo trip
- Smashing your fears on solo travel
- My tips and tricks on how to meet people on the road.
Over to you. Do you think you could live out of a backpack? Would you struggle or would you find the whole thing strangely liberating? Share your thoughts with me in the comments!
Love it? Pin it! (Note: Image below is half sized. For a full sized image, click the Pin It button on my floating social media share menu.)


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Former British prime minister Sir John Major has hailed the document he agreed with Albert Reynolds in 1993 which prepared the ground for the IRA ceasefire the following year and cemented a new, closer relationship between London and Dublin.
Speaking in Dublin at the invitation of Tánaiste Eamon Gilmore at an event to mark the 20th anniversary of the Downing Street Declaration last night, Sir John said it "set out the principles that both the British and Irish governments were agreed upon".
Its effect was to put pressure "on the violent fringes in both the unionist and nationalist communities", he said.
He insisted that the nascent peace process had no one single hero. Rather it took foresight and considerable bravery of a great many people including those who risked their lives.
The declaration "boxed in" those in paramilitary organisations. "In the eyes of their former supporters they were no longer seen as fighters for a political cause but, instead, as a barrier to peace, responsible for so much misery, so many deaths – often of innocent bystanders."
Mr Major cited the many bombing atrocities around that time, including the Shankill bombing and the Warrington attack in which two young boys lost their lives.
He said that bombing was the single greatest moment of difficulty from his perspective throughout the peace process. However, he said it was vital to proceed despite the pressure from his own backbenchers in Westminster to call off all dealings with the Irish.
Mr Major did not mention his predecessor Mrs Thatcher by name, but he voiced indirect criticisms of her through his insistence that previous policy would not have led to peace.
Albert Reynolds was unable to attend the event at Iveagh House, but his wife, Kathleen and three daughters were present. Also there were former tánaiste Dick Spring, government negotiator Martin Mansergh and former US senator George Mitchell who chaired the talks which concluded the Belfast Agreement.


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§ 36-4-19. Placement of names on employment lists — Listing of veterans.
(a) The names of all persons attaining the minimum final earned rating established by the personnel administrator shall be placed upon the employment list in the order of their ratings; provided, however, that there shall be added to the final earned ratings of examinees who are veterans in competitive tests for entrance into the classified service, but not for promotion in the service, who receive at least the minimum required final earned rating as stated in the public notice, service credits amounting to five (5) points for veterans or service credits amounting to ten (10) points for disabled veterans. On all employment lists, the letter "V" shall be placed opposite the name of each veteran as defined in chapter 3 of this title, who, by reason of his or her final earned rating, is entitled to have his or her name placed on an employment list, and the letters "DV" shall be placed opposite the name of each disabled veteran, as defined in chapter 3 of this title, who, by reason of his or her final earned rating is entitled to have his or her name placed on the list.
(b) For the purposes of this section:
(1) "War veteran" means any veteran of any conflict war, undeclared war or contingency operation who has earned a campaign ribbon or expeditionary medal for his or her service, in these operations, as noted on acceptable military documentation. The war veteran must have been honorably or generally discharged from the armed forces of this nation.
(2) "Veteran" means a person who served on active duty for other than training for a period of more than thirty (30) days and was discharged or released there from with other than a dishonorable discharge; or was discharged or released from active duty because of a service-connected disability; or served as a member of the national guard or reserve forces and served a minimum of twenty (20) years of honorable service in the national guard or reserve forces, has received a certificate of retirement and has been honorably or generally discharged from the national guard or reserve forces.
History of Section.
P.L. 1939, ch. 661, § 11; P.L. 1952, ch. 2975, § 13; G.L. 1956, § 36-4-19; P.L. 1992, ch. 156, § 3; P.L. 2012, ch. 420, § 1; P.L. 2012, ch. 485, § 1.


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On 30th November 2021, the Government announced a further consultation on "Enabling investment in Productive Finance". This article is the response to that consultation by Con Keating and Iain Clacher.
This consultation comes just a few months after the modification of the charge cap and is a proposal to exempt certain classes of illiquid[1] private investments from the DC charge cap.
"Specifically, the government proposes adding to the list of charges currently out of the scope of the charge cap to include well-designed performance fees that are paid when an asset manager exceeds pre-determined performance targets."
The title of this consultation is misleading to the extent that it is concerned solely with illiquid securities and the DC charge cap. Far more investment in productive finance and capital lies outside that limited range of instruments, and it is worth emphasising this at the start as the scope of the consultation is extremely narrow.
We have in this response considered the investment merits of illiquid securities and their potential use in DC pension arrangements but have omitted, as being out of scope, several other important public policy aspects, such as consideration of the tax cost of these partnership arrangements and the economic consequences of material increases in the indebtedness of the corporate sector.
We would also note that the BIS[2] has recently begun work on some public policy aspects of private markets, such as procyclicality and monetary policy transmission sensitivity all of which are clearly relevant to this issue.
To provide context, we commence with a brief discussion of the Ministerial Foreword to the consultation. We share the Minister's ambition "…to ensure optimal outcomes for the nation's defined contribution (DC) saver" but do not believe that the proposed changes would or should contribute to achieving that.
The foreword states: "The trustees of DC schemes are increasingly looking to private markets to deliver on this responsibility due to the benefits of diversification and greater returns.", which we do not believe is unconditionally true, and except for a small number of high-profile larger schemes, there is little evidence presented thus far that there is significant pent-up demand by the trustees of DC schemes for these types of investments.
It seems to us that the exhortations and inducements of the Prime Minister and Chancellor in their open 'challenge' letter[3] have been the driver of this interest. We (Keating) wrote and published an article in response to that challenge.
In the course of our responses to the specific consultation questions, we will challenge some of the general statements made about these asset classes that are taken as accepted wisdom e.g., the idea that these investments are truly long-term in nature, offer any materially better diversification or greater returns than conventional listed investments.
The foreword asserts: "Investment in asset classes like green infrastructure, private equity, and venture capital, fits well with the long-term horizons of DC schemes.".
It is true that the illiquid investments, typically limited partnership interests, that investors are required to make are contractually long-term in nature, typically having a lifetime of ten or fifteen years, but this does not mean that the investments made by these partnerships are long-term – and it is that, of course, which must ultimately be reflected in the performance of these partnership funds.
According to Pitchbook[4], the average term of investments held by private equity firms is now 4.5 years, up from 2.2 years in 2006. In 2016, the most recent year reported by Pitchbook, 31.2% of companies exiting buy-out funds had been held less than five years, down from 50.9% in 2003.
With distributions to investors currently at 28.8% of net asset value annually, funds have a life, or term, to return the initial investment of just 3.47 years. Note that both traditional listed equity and corporate bonds have lives far in excess of this term. With the FTSE dividend yield at 3.2%, listed equity has a 31-year term, which share buybacks would bring down to around 27 years.
The investor in a private equity fund does not know when or for how long the funds committed will be drawn. Figure 1 shows the most recent levels of undrawn capital, the so-called "dry powder" currently sitting but undeployed in PE.
Note that there is uncalled but committed capital dating back as far as 2013. Moreover, this total is large by comparison with calls on committed capital as is indicated in Figure 2.
This stock represents almost four years of supply based on the highest level of contributions (investments) made (~£70 billion) in recent times; at the lowest rate it has been over seven years' supply and is equivalent to over four years of new fund raising.
The distribution amounts arising from the realisation of investments made are also highly variable from year to year. For the US private equity market, they have varied from as little as 5% of the net asset value of funds to over 45%.
This is the source of much confusion as to achieved rates of return. The internal rate of return (IRR) is based upon the funds deployed over the period to the realisation of the investment and not on the total amounts of capital provided.
The investor knows neither when nor for how long the funds committed with be required.
Figure 2: Contributions and Distributions – UK Funds
As Table 1 shows, there is a further challenge for venture capital funds; their reported gross internal rates of return decline markedly as the holding term increases.
|Table 1
|Term (Years)
|Reported Gross IRR (%)
|Equal Weighted (%)
Source: Pitchbook. (USD returns)
As the total returns achieved by year fifteen are larger than those achieved by year twenty, it would make no sense to hold these funds beyond the fifteenth year.
These facts with respect to investment term contradict the claim of goodness of fit to DC pension term. More importantly, they challenge the private equity industry's claims that excess returns may arise from the long-term nature of private equity investment.
As 'green infrastructure' is a new investment classification there is no historic record or empirical evidence on which to base its expected behaviour. There also is no shortage of capital to invest in this area – at least where the risk/return profile is economically attractive- see the further discussion in the House of Commons Work and Pensions Committee 'Pensions stewardship and COP26' Report published on 30 September 2021 at Chapter 4[5].
UK Private equity investment flows have been around £40 billion in recent years; this is more than twice the amount raised by IPOs in the London listed markets (£17 billion).
Slightly over half of the funds raised in the London market were paid to prior shareholders, with the balance (£8.3 billion) being used for new productive investment. Almost all of the flows from private equity were to prior shareholders.
The correct comparator for this £8.3 billion is, perhaps, the amount raised as venture capital (£13.3 billion) – Figure 3 shows the distribution of VC funding by stage of investee company development. Note that £6.8 billion of this investment came from US venture capitalists. Few of these VC funded companies could justify the expense of obtaining a listing – the benefits of liquidity to them and their shareholders simply do not exceed the costs of providing it.
Venture capital is of course new private investment and if successful will be productive, but it is important to realise that most private equity is not an investment in the firm. The investment is paid to selling shareholders, and there is no new investment in the firm. If this transaction is to increase productivity, it is the investments made by the sellers which will determine this.
Figure 3: Venture Capital Funding by Stage
The foreword continues with:
"Such investments have the potential to provide better returns for members as part of a balanced portfolio and help to sustain employment, our communities and the environment."
Indeed, we might say that any socially responsible investment would help sustain employment, our communities, and the environment – these are not unique properties of private equity, venture capital, or other private markets. There are many who would challenge the idea that private equity is unconditionally good for employment or the communities in which they operate.
There are all-too-many instances where the private industry's behaviour has proved rapacious e.g., the case of Debenhams when it was first delisted, restructured, and relisted. While these investments may have the potential to provide better returns, we will examine later the question as to whether they have in fact achieved this.
Here we will simply note that the pricing formulations for these investments lead to understatement of risk and price volatility and lower correlations with market-priced assets.
The true relative price volatility of venture cap funds can be estimated by the dispersion of reported returns across funds – the standard deviation and top to bottom decile values of reported fund returns for the past five years is shown in Table 2.
The dispersion of private equity fund returns is twice that of the MSCI world equity index (27% versus 14%).
|Table 2
|Global VC
|Standard Deviation %
|Inter-Decile Range (%)
Source: Pitchbook, Author's calculations
We offer further evidence on the reliability or otherwise of fund valuations later. With these ranges of returns possible, the selection of fund is critical. Indeed, these ranges of returns suggest that it is inappropriate to think of venture capital as a homogenous asset class. It is to be expected that investment advisors will naturally take this opportunity to levy further fees for selection advice, a cost which is borne by the scheme and ultimately employers and scheme members.
There is some disagreement as to the asset allocation of DC Funds. The Oliver Wyman/British Business Bank paper reported 74% in equity as shown in Figure 5.
Figure 5: The Oliver Wyman/British Business Bank
By contrast, the ONS reports figures as shown in Figure 6:
Figure 6: DC Asset Allocation (ONS)
The allocation to private equity is zero. The maximum allocation to equity, which would require all of the mixed-asset portfolio category to be invested in equity, is 64%.
Though DC schemes overwhelmingly hold funds rather individual stocks or segregated portfolios, these equity exposures are the most volatile of their exposures; this reflects their considered risk appetite.
If they are to maintain this risk profile while introducing say 10% of venture capital into it, they would need to sell almost 20% of listed equity and invest the cash difference in low-risk secure assets (and hope that they achieve median risk and return characteristics in the chosen VC fund(s).
Of course, it is possible that DC schemes have some exposure to private equity or venture capital through holdings in the listed investment trusts specialising in private investment. Appendix D shows the performance of a selection of these.
It should be understood that the overall distributions of private equity portfolio returns do not have a suitable return profile from the perspective of a pension fund. Only a small fraction of venture investments has stellar performance and far more fail abjectly. These characteristics are more akin to those of a lottery – few winners and many losers. This is unlike listed market equity where a low-cost index tracker can be purchased, and so while some firms will inevitably fail, stellar performers can be picked up without the same risk profile or cost base e.g. Apple, Microsoft, Amazon, Google, and Facebook (Meta).
To illustrate this point, there are currently 186 venture capital-funded enterprises with ambitions in the field of satellite rocketry; it is estimated that, when mature, this field will consist of no more than twenty large firms. In fact, the history of technological and industrial developments suggests that this estimate may be high (think pharmaceuticals or automobiles).
One might say that the rewards to the winners will be stellar while those failing will disappear into a black hole. This results in a markedly asymmetric distribution of returns; the median return lies far below the mean return; the financial effects of this may be judged by the difference between the reported results and an equally weighted portfolio of the assets; the lower row in Table 1 above. With this risk and return profile, most investors will not achieve the mean or average return.[6]
The foreword also considers the publication of the final report of the Productive Finance Working Group to be a
"…significant step towards addressing the barriers to investment in long-term illiquid investments for government, regulators, and industry." (Emphasis added).
The members of the working group are shown below. In our initial response, which pre-dated the publication of this report, we cautioned against the weight of lobbying from the vested interests of the financial services lobby, but this group is heavily biased in that direction, and of course, with the position of the Prime Minister and Chancellor known, it was politically expedient to favour the inclusion of illiquid investments such as private equity.
|Members of the Working Group
|London Stock Exchange Group
|Association of British Insurers
|Macquarie Group
|Association of Investment Companies
|NEST Corporation
|Alternative Investment Management Ass.
|Partners Group
|Pensions and Lifetime Savings Association
|BNY Mellon
|Simmons & Simmons LLP
|British Private Equity and Venture Capital Ass.
|The City UK
|Fidelity International
|The Investment Association
|Hargreaves Lansdown
|Universities Superannuation Scheme
|Willis Towers Watson
|Impax Asset Management
|Independent Trustees of Pension Schemes
|Legal & General Group
|(Ruston Smith, Paul Trickett)
The co-chairs of the working group included John Glen MP, Economic Secretary to the Treasury
It is interesting that there are no employer or employee representatives in the working group membership, nor does there seem to be any independent observers, who have been used before in other similar industry working groups e.g. The Institutional Disclosure Working Group of the FCA.
Of the 19 organisations represented on the Working Group 14 have a clear financial interest (or their members do) in the lifting of the charge cap. The optics do not look encouraging – another case of the financial services sector profiting from the hard-earned retirement savings of pension scheme members with no downside risk. Why would they not recommend lifting the charge cap?
[1] The consultation and its various supporting reports refer to an illiquidity premium when it is liquidity which has a cost. If a fund is acquiring liquid assets, it is paying on purchase the then-prevailing liquidity cost, and there can be no excess return to the fund. In general, whether a non-traded fund earns an 'illiquidity premium' is not a matter of its structural negotiability, but rather of the liquidity costs paid on the assets which it has acquired.
[2] https://www.bis.org/publ/qtrpdf/r_qt2112.pdf
[3] https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/1008814/A_Challenge_Letter_from_the_Prime_Minister_and_Chancellor_to_institution__1_.pdf
[5] https://publications.parliament.uk/pa/cm5802/cmselect/cmworpen/238/report.html
[6] It is worth highlighting that the equally weighted nominal return of 6.6% before fees from this asset class really does not compare well with the equivalent 6.2% real return achieved by listed equity.


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4 Nov 2020
19 Aug 2019
17 Oct 2019
1 Oct 2020
4 Nov 2020
19 Aug 2019
17 Oct 2019
1 Oct 2020
One mouse to the other mouse," are you getting the covid vaccine", other mouse replies "no way, they haven't finished the human trials yet"!!!!
Once again Peter Chow shows little tolerance for anyone else's opinion or perspective.
I guess it's easier to label everything as a conspiracy theories and delusions to shut down discussion.
Discussion should be encouraged – without discussion the earth would still be considered flat, we wouldn't have modern scientific methods and women still wouldn't be allowed to vote.
Remember at one time doctors said smoking was fine and advocated spraying children with DDT to end polio.
The interesting thing is we will be able to watch the rest of the world get vaccinated before anyone in Sault Ste. Marie will have to make the decision as to whether they should take the vaccine. We do not have the ability to store the Pfizer vaccine in sault ste. marie so we undoubtedly will have to wait for the moderna vaccine which to date has not been approved. As well due to the fact that the Algoma district has done a great job with containing the virus , we will be last in line to get any vaccines because of our low rate. This is what we get for being compliant.
This is largely what we get for being a small population, with low population density, with only one road into and out of town, no passenger rail service. There are many small towns even in southern ontario that have next to no cases. It's characteristic of remote, rural or isolated locations and has little to nothing to do with compliance.
If compliance was just a large factor with this, then why do we have one of the highest opiate overdose rates in Canada? Or a significantly increasing crime rate?
i don't think 75000 people is a small population and if population density is the defining factor can you explain the crazy numbers coming out of Chippewa with low population and no population density. Chippewa is more characteristic of a remote , rural isolated location. When i walk around in daily life i see huge compliance among the population. Would you care to offer other cities in canada our size that have had less cases from the start of this pandemic?
Dr Chow – I believe you're playing it fast & loose with your 'facts'.
A causal relationship is being reviewed- 2 people died that were given the vaccine in the trial you cited.
Another person in Brazil died after being given the vaccine.
These trials were rushed by a company that has been duplicitous with their data.
I feel it's irresponsible professionally, ethically and morally for anyone to advocate such a rushed vaccine where a significant peer review to my understanding hasn't yet been completed.
Social media users have been sharing a post that makes several claims of serious negative health effects from the Pfizer-BioNTech COVID-19 vaccine, including that 6 people died during late-stage trials. These claims are partly false. Six people did die during the Pfizer-BioNTech vaccine trials, but only two of them were given the vaccine. The other four were given a safe placebo solution of salt and water. No causal relationship was established between the vaccine and the two deaths, which occurred in line with the normal death rate for the general population.
The death in Brazil had nothing to do with Pfizer's vaccine, but the vaccine, developed by Chinese firm Sinovac Biotech. The death was determined to not be caused by the vaccine and the trial resumed.
Correlation is not causation.
Guess that's why Bob said causality is being reviewed.
What about the severe reactions to the vaccine that were reported?
According to Alberta's unhindered data, 98% of deaths and cases are in LTC homes, and of the remaining 2% those deaths had 1-3 additional comorbidities many already with terminal conditions prior to covid with only 1% confirmed deaths strictly because of covid.
And with those numbers it's been confirmed that there were deaths where the deceased tested positive for covid rna but DID NOT actually have active covid or even have symptoms.
Wow its been reported that the vaccine is bring used to sterilize people for population control.
Well that is nonsense .This is what the scientists were talking about.
Sterilizing immunity means that the immune system is able to stop a pathogen, including viruses, from replicating within your body.
This typically happens when immune cells in the body are able to bind to the pathogen in places that prevent it from being able to enter a cell where it can start making copies of itself. Some of these immune cells may produce sterilizing antibodies, which are proteins that recognize specific proteins and structures on the surfaces of pathogens.
To achieve sterilizing immunity, your body needs to produce enough neutralizing antibodies and it needs to be able to do so in the long term. Ideally, it leads to life-long immunity.
This has nothing to do with stopping human reproduction people .
This vaccine is safe to take .I will be rolling up my SLEEVE .I just like I did years ago when travelling world In the military .
Actually Ron it's not entire nonsense. It has been proven that the immunological responce in women can indeed induce infertility in women by causing a sort of hormonal cancelation effect.
What is unknown is the longevity or potential permanence of these effects.
That's a very flippant attitude to women's health.
I was part of Op Deliverance in Somalia when the government forced me to "roll of my sleeve" in forced vaccination of mefloquine against malaria.
I'm also now part of a large class lawsuit against the government because of how that vaccine permanently damaged our bodies and brains.
Well Mr Chow I will not be rolling up my sleeve. I do not have the virus and they will not be putting it in me
If people don't want to get a rushed vaccine without the usual testing then that is a valid choice.
For Once, Mr Chow, I totally agree with you…Refusing this vaccine is the same as possibly placing a death sentence on someone else.. I will have my sleeve rolled up for it when my turn comes…..
Really it's not – all authorities have agreed that getting vaccinated only partially protects the one getting vaccinated. 52% efficacy rate on shot 1, ~90% on shot 2 (never mind the rough side effects and 6 deaths during trials which increase on shot 2).
You'll still have to wear a mask because you can still be a carrier and you're still at risk of infection even with the vaccination.
Remember that these are the best numbers presented by Pfizer who has been sued and charged for deaths their products have directly caused and for falsifying trial resukrs.
Chow I feel has a tendency to paint a rosy picture and present things as suits his agenda. He really seems to be an advocate fot socialism which to me is a big red flag.
I totally agree!
Comments are closed.


text: So,we are during season 4 and kabam doesnt make a madness or wheel...Hmmm how we are suposed to compete ? Really who ever is in charge at Kabam with selling chests and doing madness and wheel needs to be sacked.Now Kabam is selling chests with Gareth and Owain renown after they dished out ten of thousands of the same renown in a wheel 2 days ago.why the hell someone thats not insane would want to buy these chests ????


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Description Inrad Optics is seeking talented Physics Engineers to add to our growing engineering team. We are looking for a person with the ability to operate sensitive and complex equipment in order to assure the best quality optics. This person will be responsible for measuring the accuracy of crystals used in the construction of X-Ray monochromators and communicating this information to manufacturing, among other x-ray related tasks. If you are an application-minded individual with a broad understanding of modern physics, then you may be an excellent candidate for this career building position manufacturing precision optics for medical, defense and space applications. Key responsibilities Routine measurements of crystal ori
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VIRGINIA BEACH — About 40 people lay down on the Virginia Beach Boardwalk Saturday morning in support of a permanent tribute to the Black Lives Matter movement.
"It's sending out a powerful message," said Cecelia Reid, an activist who has been chalking messages of unity and diversity on the Boardwalk since June 3.
The human mural, formed around 7:30 a.m., spelled out the words "Black Lives" and "VA," with the word "Matter" chalked in between them. People from across Hampton Roads participated, according to Reid.
It came on the heels of a celebrity push for the city to recognize the movement that campaigns against violence and racism toward black people.
Pharrell Williams recently praised a proposal that had been circulating on social media to paint "Black Lives Matter" on the Boardwalk, similar to what had been done in Washington.
"Hopefully Pharrell gets our message," Reid said.
On Friday, acting City Manager Tom Leahy said he had met with the mayor and city staff and that he did not believe that the City Council would sign off on the project.
Reid moved north to 31st Street later Saturday morning where she planned to outline Black Lives Matter for people to chalk.
Stacy Parker, 757-222-5125, email@example.com


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Where Tea Is Consumed Most Often?
The leaves of the tea shrub or tea tree are quite versatile. Although most commonly used as a beverage, tea is also used for cooking, medicine, and cosmetics, among other uses. Indeed, tea is one of the most valuable crops in the world, but most especially in Asia. In mainland China alone, … Read more


text:
What is the answer?
Step-by-step explanation:
Since AB and AD are congruent, they have the same angle measures, the one across from 35 would also be 35. When adding both together you get 70. To get x, you subtract 180 and 70 which equals 110. To check your work, you can add all measures within that triangle. (110+35+35=180)
hope this helps! :)


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We join forces to be the number one
- We use differences as opportunities
- We go united
- We win and lose together
- We challenge each other to become better
Being home to some of the world's largest and most influential brands within transportation, TRATON offers a doorway into the industry. With us, your work will always be rooted in a larger context. We help our brands to go further by working holistically and globally to solve Group-wide challenges.
TRATON is the sum of individual skills, interests, talent, initiatives, and backgrounds. As part of a global team of industry experts, you get to think bigger, experience more, and reach further. Joining TRATON also means being part of a transformational journey. We are a flexible and agile team, where you get to take an active part in developing our organization.
At TRATON, we believe that the whole can be greater than the sum of its parts. With the help of our brands, we have the collective power to make a difference. We give our brands the right means, tools, and direction to make the future of transportation more sustainable.
We join forces to be the number one
We care about our customers' needs
We strive to put society in better shape
We do the right things in the right way
We will go beyond
"A diverse and inclusive environment is essential for our employees to feel safe, included and heard – and for us as a company to attract and retain the talents we need to transform transportation."Bernd Osterloh
Working at TRATON is more than just a job and more than earning money. We offer a dynamic job in an international environment, real teamwork in agile and interdisciplinary project teams with flat hierarchies. Our attractive remuneration system is based on the Collective agreement of the Bavarian Metal and Electronic industry (TRATON SE, Germany) and Teknikavtalet IF Metall (TRATON AB, Sweden). We also offer attractive compensation and company bonus, a company pension scheme, flex-work mode, and a structured personal development system. All employees get their yearly individual training budget. TRATON also offers a range of employee benefits (discounts, insurance, wellness contribution, sponsor memberships in sports clubs, car leasing agreements).


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Growing families often need extra room in their cars. That's why used 7-seater cars are a great option for families that have outgrown their regular five-seater option.
Our handy guide will guide you through the best used 7-seater cars for all budgets.
Whether you're looking for 'used 7-seater cars for sale near me' or the very best used 7-seater cars money can buy; we've got you covered. These are our top 10 used 7-seater cars to buy in the UK.
1. Vauxhall Zafira Tourer
If you're looking for a bargain in the seven-seater category then look no further than the Vauxhall Zafira Tourer. The Tourer is an expanded version of the Zafira that was produced between 2012 and 2018.
Used models are relatively cheap and can be found for under £10,000.
Vauxhall upgraded its Zafira range to include a smarter seating arrangement plus several mod cons like DAB radio, cruise control and alloy wheels. Buyers can choose between petrol and diesel engine options depending on the size and economy they are looking for.
2. Nissan Qashqai+2
We have to give Nissan some points for originality when naming the Qashqai+2. The original Qashqai was a five-seater but the seven-seat version was imaginatively named the Qashqai+2. We see what they did there!
The Qashqai+2 is actually a bit of a hidden gem because not many people know Nissan does a 7-seater. The two extra seats can be folded flat to make more storage in the boot.
All of the great traits of the original Qashqai can be found in the +2 version, including a great ride, high driving position and car-like driving dynamics.
The comes in manual or automatic transmissions and used prices start from around £5,000. Production of the Qashqai+2 stopped in 2014, making it a cheap used 7-seater cars sale hunter's dream.
3. Citroen Grand C4 SpaceTourer
The MPV market was beginning to get a bit stale before the Citroen Grand C4 SpaceTourer came along. This enlarged C4 injected some much-needed style into the MPV market.
Style isn't the only reason the Grand C4 SpaceTourer makes the list though. There isn't an inch of space that hasn't been thought about inside the Citroen. Passengers will have plenty of room, even in the rearmost seats, while the ride is comfortable and enjoyable.
Each row in the back also comes with ISOFIX seats to ensure your family's safety on every journey. And, if you fancy upgrading to an electric version, there is an e-SpaceTourer option available to Citroen customers for 2021.
4. Kia Sorento
One of the main reasons for getting any used Kia is the extended warranty offer that comes as standard. Even getting a five-year-old Kia comes with two more years under the manufacturer's warranty.
The Kia Sorento is such a great 7-seater car thanks to its powerful 2.2-litre diesel engine and relaxing driving experience. Thanks to its strong engine, the Sorento is one of the best used 7-seater cars for towing a caravan.
The standard equipment that comes with the Sorento is another bonus. Anyone buying a used Kia Sorento can expect to find privacy glass, a reversing camera, cruise control and an on-screen smartphone option.
5. Skoda Kodiaq
Although the main reason for choosing a seven-seater is the space inside, it doesn't do the Skoda Kodiaq any harm that it's an all-rounder. Amazingly, this was Skoda's first foray into the world of SUVs and the Swedish company hit the nail on the head.
As with most Skodas, the build quality is exceptional which means the Kodiaq SUV stands up to most tests. Especially those that a large family can throw at a vehicle.
No matter which model you opt for, the Skoda Kodiaq SUV comes with plenty of accessories as standard. Alloy wheels, cruise control, an eight-inch infotainment screen and parking sensors come with all models.
There is ample boot space, even with all seven seats occupied. The boot then transforms into a spacious cave with the last two seats folded down. The Skoda Kodiaq SUV covers all bases and is even a great ride.
6. Volkswagen Sharan
One of the Volkswagen Sharan's best features is its easy access. Thanks to a sliding door, it's super easy to get the whole gang into the car without having to climb through the boot.
The Sharan is as large as you could hope for in an MPV and there is plenty of space for everyone when inside. Although it might not be a looker thanks to its box shape, what it lacks in style it makes up for in leg and headroom.
There's even enough room for adult passengers all the way back in the third row, which is uncommon for many seven-seaters.
Running costs are pretty decent considering the size of the Sharan, and the engine comes in petrol or diesel options. As the Sharan has been on the market for almost a decade, it's a great option when searching for 'used 7-seater cars near me'.
7. Land Rover Discovery
The Land Rover Discovery isn't the cheapest used 7-seater on the market but it's for a good reason. As far as seven-seater cars go, the Land Rover Discovery is the benchmark.
The Discovery reaches a standard that most other seven-seaters won't because it prices some customers out of buying one. However, if you feel like pushing the boat out, the Discovery is arguably the best 7-seater car that money can buy.
There is a tonne of luxurious space inside the Discovery, even for tall people sitting in the rear seats. Quality, comfort and performance are all there in the Land Rover Discovery but even a three-year-old model will cost circa £40,000. Though, if you find a private seller, you might even be able to haggle a better price.
8. Peugeot 5008
Large SUVs have become a common sight on our roads but few are as eye-catching as the stylish Peugeot 5008. This 7-seater vehicle offers fuel-efficient engine options and a quiet ride. Perfect for sleeping kids in the back!
Comfort is key to the Peugeot's success and recent used models start from around £20,000. If you're looking for a safe family car that looks great on the roads, then the 5008 is one of the best 7-seater used cars around.
9. Volvo XC90
Volvo has been making quality family cars for generations and the XC90 is yet another. It comes with the expected high safety ratings for all Volvos but there's more to this seven-seater than that.
When looking for used 7-seater cars for sale, the XC90 should be near the top of your list for its quiet and relaxing ride. If you're taking the family on a road trip you want them to feel comfortable and not cramped.
This 7-seater has ample room for seven and enough power thanks to its four-wheel-drive traction to make any journey a fun one.
Like the Land Rover, the XC90 is a premium 7-seater and you can expect prices to start around £30,000 for three-year-old models. The XC90 doesn't depreciate like others, which means you shouldn't lose too much when it comes to selling it.
10. Ford S-Max
Rounding out our best used 7-seater cars list is the Ford S-Max. Although 7-seater SUVs are now the most popular option for large families, the MPV still has its place in the automotive industry.
Anyone looking for a used 7-seater car can't go wrong with the Ford S-Max.
As far as MPVs go, the S-Max handles incredibly well plus it's much more stylish than the standard people carrier. Drivers can expect a comfortable ride and used prices range from £5,000 to £20,000 for cars with decent servicing history.
Used 7-Seater Cars: How FairSquare Can Help
What is the best used 7-seater car to buy? In truth, it depends on what you are looking for and what your budget is. Here at FairSquare, we offer great finance options for customers no matter their credit rating.
Our quick and hassle-free service means you could be approved for finance in a matter of minutes. Then, it's simply a case of choosing the best car for your budget, using our finance calculator, and sitting back to let us take care of the rest.
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Check out new cars and used cars here to set the wheels in motion! Find your perfect car today…


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First Church of Christ, Scientist and Reading Room
9536 Minnick Avenue, Oak Lawn, IL 60453
Phone: (708) 634-3997
Wednesday Evening Meetings
"Let your light so shine before men, that they may see your good works, and glorify your Father which is in heaven.."
Matthew 5:16
"To those leaning on the sustaining infinite, to-day is big with blessings."
Science & Health with Key to the Scriptures by Mary Baker Eddy p. vii
These inspiring meetings include readings from The Holy Bible, and Science and Health with Key to the Scriptures by Mary Baker Eddy. A very important part of this meeting are the testimonies from those in attendance showing how a growing understanding of God enables one to meet and overcome a wide variety of challenges.


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Occurrence is classified as an occasion that activates coverage in the policy. Occurrence is frequently liken with accident, however, several policies identify occurrence to take in the repeated or continuous exposure that results in the bodily injury and/or damage to property intended by the insured. It is an event resulting to a loss to a 3rd party because of destruction. Majority of insurance plans lays down that every loss from similar general grounds are considered as a result from a particular occurrence and such are limited to the measure of occurrences permitted in insurance policies. And also, such particular loss is differentiated from accidents such that the loss do not have to remain as sudden or fortuitous, intended or expected and will result from repeated or continual exposure in the happening of harm.
Occurrence includes any events further than accidents; it is a kind of event which also signifies one notable occurrence, like major world experience. Any incident can be applied into a slight occurrence; the term can also be referred to a separate event with sharp significance and identity.
In purchasing liability insurance one can avail on either a "claims-made policy" or the occurrence policy. Occurrence policy in one hand may cover claims completed months or yet, in years following the happening of the incident. The specific insurance business company is responsible in reviewing and if ever warranted, to pay-out on any claims being made which resulted from a certain incident that already took place throughout the coverage period, although such claim is being reported on a later date. Many insurance purchasers used the "claims-made policy", for it provides security as well as protection, yet only and while such policy is made to be in force and those claims being made within that period of time.
In some studies, differentiation between occurrence based policies and claims based policies have been realized. Such that, liability insurance plans are considered as occurrence based or claims based. An occurrence based plan offers insurance coverage for a particular loss that has occurred within the period of the policy regardless of when a claim will be brought alongside with the insured. While claims based policy offers coverage on a claim which is brought during the period of the policy, regardless when the loss happened.
For example, if an individual had an "occurrence based policy, then the insurance can cover up if the mishap occurred on the dates, 30 July 2006 and 30 July 2007. It will not matter if one was not notified of the said accident in January year 2008; the insurance still covers the person.
On the other hand, if one chooses a claims-based plan, the insurance can cover up if he or she was notified of the happening and in turn notified the insurance company about the accident on 30 June 2006 and 30 June 2007. If said accident occurred on those dates and yet a person did not get a notice about it until 2008 of January, then the policy cannot cover such person.


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As part of the SANGEETHA LAKSHANA LAKSHYA series, KARNATIC MUSIC FORUM, Chennai is hosting gurus P. S. Narayanaswamy along with Suguna Varadachari and Dr. Sunder who will focus on "Rakthi Ragas"
This lec-dem is on 5.7.2015, Sunday from 10am to 12.30 pm.
Venue: Arkay convention Centre, Luz, Chennai - 4.
Musicians & music Lovers are Invited and admission is free.
Co sponsored by KV Ponnammal Trust & Rukmani Arts & Music Trust


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This is just an area where you can learn about blockchains and Cardano. Yes, there are lots of places on the internet you can do that, but I find a lot of it complicated and hard to navigate. Here, I keep it simple. I am trying to bust the jargon.
If you want to buy some ADA, or sell it, you will need an account on an exchange. Exchanges are websites which allow cryptocurrencies to be swapped with other people. Choosing the right exchange is very important because they are not all the same, and you are trusting them with your money.
There is a lot of choice. Hundreds of reputable exchanges exist in the world, and probably hundreds more which might be disreputable. They offer different services tailored towards different markets so you want one that suits your needs.
I would have loved to have given a list of exchanges here, but it's not really workable. Everyone has different tolerances for complexity, live in different countries, and the advice might change over time. So, a instead I am just telling you how to decide. A good way to get started is to use Coingecko and find the coin you are buying - ADA is www.coingecko.com/coins/cardano. Then select the markets tab to see the list of commonly used exchanges. This shows the volume of trading for each one. You will need to do a bit of research to choose one based on the considerations above.
Having said that, there are a lot, and the wash trading thing means the data is not reliable, so maybe googling 'Best crypto exchanges for Cardano' might be better.
Your password for an exchange shouldn't be treated like a password for a general website because it secures money. Pick a good strong password that is different from others you use.
You will also be offered other ways to secure the account. At the very least will be your email address which is where you pick up a code or link by email before you can get money out. A second common way you should set up is a phone number. They send a code to your phone. The third common way is an authentication app installed on another device, often your phone. With this you open the app and it shows a number which changes every 30 seconds. The most commonly used one is Google Authenticator, so I suggest you download this and use it to secure your account if it is offered.
Yes, you should be using at least three different ways to secure your account. Four is better. Don't cut corners here.
KYC stands for Know Your Customer and all organisations that facilitate transfer of money will need to know who you are. So all the exchanges have the same set of somewhat irritating steps to complete before they will let you use the services. You are going to have to upload a picture of an id document that has a picture of you on it (like a passport) and probably a utility bill or similar image which is recent and includes your address. All reputable exchanges are going to need this, so just accept it rather than trying to find an exchange that doesn't need it.
Getting through KYC takes at least hours, maybe days, so allow time. Once its done using the exchange is usually quick, so don't give up.
Ok, so you are all verified on an exchange, whose job it is to let you buy cryptocurrency, you would think the bit where you check the price and press the Buy It Now button would be easy. Well, the exchanges are all different, but in priciple there are complications which mean that you are likely to be faced with a range of at first confusing options.
The reason for this is that the exchange is supporting swaps between lots of different assets. So the experience is more like trading on a stock exchange than buying something in a shop. Cryptocurrency also allows for all sorts of clever functions, like staking, and different currencies work differently. This means that the website will be doing things you don't normally see when buying normal stuff.
Don't overcomplicate it. Go to the trading page and look at the list of prices. There will be green ones which are buys and red ones which are sells. Check the price where they meet in the middle. Enter the amount of ADA you want to buy in the "Buy" box and select a price. If you want to keep it even simpler use a Market order and the price will sort itself out. Click buy. You will be fine.
Ok, so we have bought some coins, but we have heard someone say "not your keys, not your coins", so we think we should actually hold the keys and the coins ourselves. One reason we might do this is that exchanges have been hacked in the past, and have disappeared with people's money. This is unlikely on a reputable one. Another is that it is less traceable (not untraceable though). Your own wallet is your own, nobody gets to control your money. So it's really a point of priciple. For whatever reasons, at lot of people like to hold their own coins.
The reason you might not install a wallet is that there is a risk that you lose the keys or your computer gets hacked/broken/lost such that you lose your money. I will explain ways to guard against this, but if this is your first time you should work with small amounts until you get confident.
If you are new to this you might be confused by the idea that "some wallets support hardware wallets", so I will explain.
There are several major manufacturers of hardware wallets. At the time of writing the two main ones are Ledger and Trezor but others are available.
The first step is to choose a wallet, meaning the software bit. You will have to install some software which will be a wallet and do the work. When choosing your wallet you should bear in mind whether or not it supports hardware wallets to keep the keys secure, and if so which hardware wallets. The best place to start is the web page for the coin, so for ADA the that will be here. There are usually reliable links from there to the wallet that is recommended for the coin. However, this can vary quite a lot between coins.
Once you have your wallet installed transferring funds to it is easy. First you click the "receive" button in the wallet so that it shows an address. Copy the address. Now go to the wallet that has the money in it. I assume this is an exchange, so it will support a list of currencies and your ADA will be one of them. You click the send button and paste in the address.
Always check that the address is correct by reading the first few characters and last few to ensure they are right. It is possible for your computer to have a virus which changes the address when you copy/paste so that your money goes to a hacker. Press the send button and follow the instructions. Quite often this will mean picking up an email and replying to it, picking up a text and entering a number in a box, and starting up your Google Authenticator app on your phone to get yet another number. That's just how it is. Now you wait a little while for the money to arrive. On Cardano it's only a few seconds.
If your money doesn't arrive, go to the exchange and look at the transaction history for the coin. This will show the transaction and should show its status. If it shows as complete try clicking the transaction reference. This will take you to the blockchain explorer. The explorer shows all the details of the transfer, where it came from, went to, and how many confirmations it has. Many wallets will not show the balance until there are ten or more confirmations on a transaction. If the confirmations are there the money is there.
Yes, I have heard stories of exchanges which freeze your funds unexpectedly, and then are hard to get in touch with. They are centralised organisations which have the regulators on their backs constantly checking that there is no funny business with what is increasingly being thought of as money. Sometimes you have to work at it a bit. For my part, I have found them all ok, and I have tried lots. Oh, apart from Cryptopia, which ran off with my money. Oops.
Finally, you have your money in a wallet which supports staking. It's easy to pick a stakeppol. Just pick KMADA. It has 100% uptime, has never missed a block, and charges a 1% fee. You can't go wrong really.
Normally you can type in KMADA to find it and click on it to select. Some wallets don't offer a list of pools by name, however, because they want to persuade you to use their's. In that case you might be able to select KMADA using the pool address, which is 47d0952dee0eacb0a7dd1b059fdd3c0580172d6d81a497e8f51dd1e6.
The great thing about Cardano staking is that there is no "slashing" and no delays on withdrawal of your cash. Slashing happens in some blockchains to pools that misbehave. If the blockchain thinks they are deliberately reporting false data it will fine them. Eth2 is like this. This doesn't happen in Cardano so all the ADA, including your delegated stuff, is safe.
Committing to a time delay, where you can't get them back quickly, or where you have to pay a fine to get them back quickly, also happens in some blockchains. Polkadot is like this. Again, this doesn't happen in Cardano. What does happen, however, is you have to wait for two complete epochs after you delegate to a pool before you start getting rewards from that pool. This is one of the security mechanisms used by the Ouroboros protocol to keep the chain safe.
Very low fees: Just the one transaction fee, which at the moment is .17 ADA.
Safe: No chance of losing any money.
Immediate withdrawal: You can spend any amount of your ADA anytime, whether it is staked or not. The rest stays staked.
Flexible: You can switch to a different pool anytime as well, without losing any rewards. It still takes 2 epochs, but during the switch you stay with the previous pool, so there is no period when you are not staked.
If you are using Yoroi or Daedalus the staking screen will show you clearly which pool you are staked with and will show the epochs which are due and which pool you are going to be with for the next two. This allows you to see the time delay easily.
This website was created by Kevmate. Its all my own work. Contact me by emailing me at firstname.lastname@example.com


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Rauner Wants Teachers Exempt From Fair Share
Public school teachers and their unions may be next, as Gov. Bruce Rauner seeks to loosen requirements on collective bargaining dues.
The vast majority of state employees are unionized. But even those who choose not to join still have to pay what are known as "fair share" dues. That's basically a fee to cover the work unions do to benefit all workers, members and non-members alike. Things like wage hikes, and health care coverage that unions secure in negotiations. But Gov. Rauner alleges the money's also used for political advocacy.
He's trying to put an end to fair share requirement --- using an executive order, and a lawsuit that's still in court. Only state employees are affected, for now.
"I believe it should apply to teachers, and we'll deal with that later," Rauner told a group of Springfield residents this morning.
Rauner, a Republican, says teachers have approached him, saying that want to be exempt from paying the fees. A leader with one of Illinois' big teachers' unions says Rauner's only listening to a tiny minority of teachers, while he ignores the overwhelming majority who choose to be in a union.


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This lofty hand spun, hand dyed, hand knit jacket/cardigan is part of the colour me aussie signature collection. Inspiration for, colour me aussie, wearable art, sustainable slow fashion piece, is taken from the rugged beauty and colours of this wide open land, australia.Each piece is a one of a kind luxury and an original design. Simplicity is utilised to showcase the unique beauty of the hand spun yarn. All yarn is spun by hand on a spinning wheel, dyed while fleece, the twist set by hand, hand knit and blocked. Each step in this long loving process is a craftsmanship in itself. Only sustainable and natural materials are used and the finished work of art is beautifully presented to the customer. Both shropshire and southdown are considered heritage/conservation breeds. Shropshire fleece is dense, of medium strength and staple, showing plenty of character. Since the shropshire is a down breed, the fibre that comes from the shropshire has characteristics typical to downs. It is a bouncy fibre that produces a springy, elastic yarn. The resulting yarn is not scratchy and can feel soft. The southdown takes its name from the chalk hills of sussex county in extreme southeastern england where they are said to have roamed from time immemorial. They are one of the oldest sheep breeds, having contributed to the foundation stock of all other down breeds: suffolk, hampshire, and oxford. The fleece, itself, is unique and lofty. It has lots of crimp and elasticity, allowing for springy yarn when spun. Southdown is a short wool with a staple length of 1.5 inched to a maximum of 4, however most fleeces are 2-3 inches. The fleece's crimp allows for the creation of some hard wearing items such as socks, mittens, slippers, and jackets. I have been spinning yarn for over 45 years.
This experience, and love for fibre, is put into every item created by wheely good yarns. Offering quality one of a kind luxury yarns to my customers.
Experience the liveliness and bounce of handspun yarn and garments. Handspun yarn feels alive in your hands and retains the characteristics of the fleece that are lost in the commercial production. Each piece is lovingly spun to showcase the luster of the breed used, while ensuring that great care is taken in the spinning, setting, storage and presentation of the piece. Handspun uses breeds that aren't readily available in commercial yarns.
The quality of handspun yarn cannot be equalled and once you have experienced handspun it is hard to go back. Small to purposely large inconsistencies give a unique handmade look to every item. Handspun yarn is a wonderland of textures, blends, breeds and uniqueness that add to the liveliness that is handspun yarn. Treat yourself to the unique luxury of handspun and take advantage of this introductory price.
One size fits most (12 - 18 au approximately). Straight from their back to yours. This item is made of southdown and shropshire.


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She has held talks at the UK Houses of Parliament, the BBC, Harvard Medical School and the Apple Campus, and she visited Sightsavers recently to share her experiences of assistive technology and her personal story.
"I was born deaf, and was given my first pair of hearing aids at just 18 months old. My parents were adamant that I would be mainstream 'oral' so I could communicate with anybody and everybody," she explained. Yet she admitted she hated the new experience of sound. "I used anything to take my hearing aids out. They'd be behind the sofa, down the toilet – anywhere but in my ears."
Moving to senior school, Molly's sight began to deteriorate: following many appointments with ophthalmologists, it was confirmed that she had Usher syndrome – a combination of deafness and retinitis pigmentosa, a genetic form of blindness that affects the retina. Molly went from being fully sighted to partially sighted by the age of 12. By the time she was 14, she was severely sight-impaired.
Molly now uses technology to assist her in everyday life – much of it created by Apple. She explained that thanks to her hearing aids she is "able to communicate", but that's not all: her digital hearing aids feature smart technology linked to an app that enables her to control her hearing through her iPhone.
"If I'm in a restaurant and it's really busy, I can bring out my phone, make a few adjustments, reduce background noise and focus on the person in front of me," she explained. "Before I turned 20 I hadn't been able to make a phone call. Now when it rings I can put on loudspeaker and talk to my grandad who lives four hours away, all via Bluetooth technology."
What's more, if her hearing aids start playing up, Molly no longer needs to visit her audiologist. Instead she sends a report of what's going wrong to an external audiologist via her iPhone. They send back an update, which, when scanned to the hearing aids, reprogrammes them and fixes the problems.
Microsoft's Hector Minto visited Sightsavers recently to explain how the tech giant is championing assistive technology.Read more
Molly also uses an Apple watch featuring a camera and accessibility tools that enable her to keep track of who is visiting her at home. The camera picks up motion and notifies Molly when someone is at her door via her watch or iPhone. She is then able to zoom in using the accessibility tools to see who it is, or answer via the technology and ask who it is. This enables her to live more independently.
Molly rounded off her talk by saying: "Without my tools I wouldn't feel safe, independent or confident. Accessibility is my life, which is why I consult on accessibility and usability. Everything comes back to digital and technology, because that is the way the world goes now – everybody is online."
It's easy to agree with this statement, and the experiences of many people with disabilities in high income countries are likely to be the same. Yet in many of the low and middle income countries where Sightsavers works, technology is still not readily available to assist disabled people to live their lives with dignity and independence.
This is where we need to make progress: to close the accessibility gap so affordable assistive devices are available to all.
Kate Bennell is the organisational inclusion coordinator at Sightsavers UK. Severely sight impaired herself, she coordinates the Social Inclusion Working Group and champions accessibility.
"Listening to Molly made me reflect on my own sight loss. I've had sight problems since the age of three, when I had a brain haemorrhage, but my sight loss wasn't discovered until I was 17.
"Molly talked about experiencing depression and anxiety when she lost her sight because her friends, teachers and society didn't understand what she needed or wanted. I too experienced isolation and was subject to bullying at school because my visual impairment was not accepted or understood by my peers."
Lead trainer Kate Bennell shares learnings from developing and coordinating a staff training programme on disability awareness and inclusion.
Kate Bennell shares insights from a recent talk on energy-limiting chronic illness and disability inclusion, which was led by speakers from Chronic Illness Inclusion.
At Sightsavers, our accessibility testing has developed into a comprehensive process to make our content as inclusive as possible.


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"Why was Monster Carnival taken off the map five years ago?"
This was still the question that boggled our minds… we tried to come up with a possible explanation, but some of them were kinda just silly assumptions. Now, in Captain Crawfish's new post, he explains everything from the Creators' point of view:
Longtime Poptropicans know that Monster Carnival was supposed to be one of our earliest Islands. It was announced in 2008, and even added to the travel map with a message that said "Coming Soon." Then it disappeared without notice.
There have been a lot of explanations over the years. Some were closer to the mark than others. Frankly, we'd like to let the conspiracy theories go on, because they're more interesting than the truth. But it's time we came clean.
Monster Carnival was removed from the Poptropica travel map because it wasn't finished, and everybody was too busy with other projects to give it the attention it needed. That's all! We really just announced it too early, got onto other things, and never came back to it.
But as Monster Carnival continued to live on in the imaginations of our players, we couldn't let it go. What a great name! Every year, when we discussed what new Islands to make, somebody would say "Monster Carnival!" and everyone else would nod. Then we'd pick a bunch of other Islands to do instead.
Maybe we were intimidated. We all know what happens when something becomes anticipated for too long. Better to leave it as an unrealized dream, rather than risk not delivering.
Well, every dog has his day, and the same is true of a great idea for a Poptropica Island. Monster Carnival is very real this time, and we hope it is worth the wait.
After reading this, I couldn't agree more, CC. I know how it feels to promise something good… but then life and other ideas happen and we let the idea collect dust. As a writer, I get that. A lot…. even before I joined the community, I hardly ever finished any story I wrote. And then my mind reminds me of it and I go, "Oh yeah.. I remember that…" That's a problem for me even now…
Creators, if you feel that we pushed you too hard, I feel the need to say that I'm sorry. I hope that you guys are doing it because you guys want to do the island and not just because we requested it ten million times. Yes, we were curious, and we did enjoy the hints and jokes you gave us all these years gone by. Yet like I said before, I hope that you're not just doing the island to shut us up. For that reason, I have high hopes for the Monster Carnival… hopefully it's an island that you guys did put your heart into and not just one to pander to us.
…good luck you guys, and thank you.
~Brave Tomato


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Due date changes, contractions and bed rest
So, my due date calculated via first day of last period method was March 9th. Baby was slightly bigger all the time, and my belly ( FTM ) showed early and is really big. Like, people comment - and I don't even get angry - because at week 31 I look like I'm ready to pop. My double test, prenatal screening, 4d.. Everything is perfect, he is one healthy boy. But big 😂
Anyways, two days ago I went shopping for toys for local kid's shelter, and I started having contractions. I thought they were Braxton Hicks, I know those - but they started getting regular, 90 seconds apart, lasting around 30 seconds, and than sides of my belly started to hurt a bit, and my whole belly got tense. Ladies at the store thought I was going into labor 😂
I got home and layed down to count the kicks. Usually, I get 10 kicks in half an hour, but now there were 10 kicks in 90 seconds, no stopping.
That morning I noticed space between my nose and lips was swollen and red, and my face was red all day long actually.
So, I called OB and luckily she was at the practice and said I should come right away.
Baby is head down, my cervix soft and shortened, and my contractions were real deal.
She laughed at the size of my belly, because she saw me two weeks earlier and it grew enormously 😂and when she measured baby - he is 2kg ( converter says 4. 4 pounds?), which is at least two weeks ahead 😂
Thing is, I had covid in March, got off the pill because of Covid, I still suffer consequences, and my hormones were all over the place. Had my first period right after the pill, then after 45 days, and that was it.
So, my due date calculation was obviously not too reliable. She told me that right away, but we had no idea he would be that early.
She prescribed vaginal administration of progesteron, ALA and bed rest for five days, and goal is to keep baby inside until February 😂
My recalculated due date is February 23rd, and since I am having planned C section because of my back problem, he will be born on February 15th or earlier.
I feel good, he moves A LOT these few days, and if I make more than like 20 steps, I feel belly tightening again.
So, I rest, but my small fitness studio barely functions without me, I have plan B from February, but have no Idea what will I do if she doesn't clear me on Monday to just sit in car, go there, and sit down to give instructions and correct...
Is anyone else on bed rest? How do you spend time? Why do you have to stay put? And is there anyone with due date this miscalculated / biiiig baby?
I just had a little scare this weekend and I had to go get observed overnight at labor and delivery. Got sent home with "activity rest" and to stay home from work until delivery. I have no idea what to do because I am not prepared at all. I'm going to be 33 weeks on Monday. Sooo not the same thing with the miscalculation or big baby but a little freaked out about the activity rest. I also have a college student following me for another week at work so this is going to mess her up too 😬
I got beads and a beading craft book. Learned how to make beaded flowers, colored adult coloring books, played video games. I'm not on bedrest for this pregnancy but was for another.
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