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More poker
Table Games Online and Offline
Table games are offered at all the casinos https://baccarat-gambling.jp/. The point is that table games combine all features of gambling games and casino atmosphere. You may play different games at the table – starting from the dices and up to roulette.
As most of the casino games are played at the tables, the general distinguishing point is using of the cards. If the main game tool is cards, this game is considered to be a card game. But if the game is played at the table but with usage of other extra-tools, it belongs to the table games.
As it was mentioned before, the common feature of table games is of course the table. Casino tables usually have green layouts with table signs of different colours. These colours mean the minimum bet of the table.
Remember these colours and minimum bets before you start to choose table casino game you want to play. But the bets is not the most important thing, because the game is of primary importance. You may choose one of the following table games:
Roulette Game
Roulette is the most popular table game, which may bring you a lot of money. The main aim of the game is to guess the number of pocket into which the ball will drop. But there are also other bets, which increase your chances to win at roulette. There are two major types of roulette table layout, which affect the game greatly.
Use roulette tips in order to have more chances for winning.
- Roulette game has three main variations and two layouts.
- Roulette game has three main variations and two layouts.
- Roulette game has three main variations and two layouts.
Money wheel
Most of the gamblers are sure, that money wheel is the easiest casino table tame with the easies rules. The main idea of this game is to guess the winning number. You just need to place your bet at the casino table layout and to wait until the wheel is spinning. The game resembles roulette, but it is much easier. The payout of the game is impressive – money wheel pays 47:1. It is a pure game of chance, so it you want to try out you luck – play money wheel.
- Money wheel is a game of pure chance
- Big 6 Money Wheel is one of the most popular money wheel games in the US
- The main tools of the money wheel are table and spinning wheel.
Craps is very simple and exciting casino table game, which main tool is dices. Craps are very popular in Las Vegas casinos, because they guarantee fast result of the game. In this game the player bets on the outcome of the game, which is the number of dices he throws. Also game offers a possibility to bet against other players or casino. The table of craps game is marked with different bets possibilities, so you do not need to think about variants of wager – just choose one and make your bet.
- Each of the bets (and dice rolling results) have its own name
- Craps came from Old English hazard game
- Craps principle lies into the theory of event probabilities.
Pai Gow
Pai Gow is one of the oldest gambling games. It was developed many centuries ago in China, but now it is popular all over the world. It is played with 32 dominoes against the dealer. There are 16 pairs of tiles, 11 of them are identical, but the other 5 are different in appearance, but still similar at the value. The aim of the Pai Gow game is to get four tiles into two hands, one of the hand must be low, the other – high. But for winning both of the hand values must be higher, than dealers'. This games pays 19:20.
- Pai Gow has 32000 hand possibilities
- Pai Gow takes its origin at the times of Song Dynasty
- In order to increase odds in this game, it is better to use the Denenberg Strategy
Tai Sai
Tai Sai, or as it is also may be called Sic Bo, is another popular Chinese gambling game. The main tool of this game is three pairs of dices, which are placed at the tumbler. In order to win player must predict combinations of the dices. It seems to be a difficult game, but in fact, there are bets which will help you to choose the possible variant of bet.
- English variations of the games are grand hazard and chuck-a-luck
- Tai Sai tables have minimum and maximum bets
- The other names of Tai Sai are Sic Bo, Dai Si, Big and Small, Hi-Lo.


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TOKYO (TR) – Tokyo Metropolitan Police are investigating an incident in which a woman plunged to her death in a fall from the eighth floor of a building while holding her three-year-old son, who survived, reports TBS News (Mar. 28).
At approximately 4:25 p.m. on Sunday, a passerby of an apartment building in Arakawa Ward notified police of a collapsed woman outside the premises.
According to police, the woman, 32, sustained severe injuries over her entire body due to the impact with the ground. After being transported to a nearby hospital, she was confirmed dead.
The boy sustained serious injuries but was found to be breathing. He is currently in critical condition.
Police are treating the incident as a murder-suicide case in which the woman picked up her three-year-old son and jumped from her apartment's balcony.
A will has not been found.
The woman is believed to have jumped while her husband was busy cooking. Police are now seeking a motive for the crime.

subset: commoncrawl


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Partnos Oy – a Finnish Investor
Partnos is a Finnish family owned investment company with roots reaching beyond 50 years. Our investments are made on sustainable and responsible basis. We operate with active companies, in real estate development and through our own businesses in culture and travel.
Persistent economical growth and generation of value lead us in our work forward. We are a strong partner to all our stakeholders.
Investment | Industrial holdings | Owned business | Real estate development
Partnos Oy Creates Opportunities
Verto by Vercon Oy is a forerunner and the leading provider of water-metering systems for flats in Finland.
We manufacture and provide water-metering systems with over 35 years of experience. Our services combine upkeep and invoicing with systems maintenance, support and customer care in a unique manner. As our customer you will save time, energy and money.
Water is the most valuable thing in the world - that is why its consumption matters.
A cultural center and a house of events
Tyrvään Pappila combines delicious food and great experiences. Concerts, exhibitions and events suit the historical chambers. In the summer time our amphitheater is surrounded by a verdant garden.
The carefully renovated milieu services both private events as well as business requirements. The stylish and dignified premises ferry your parties and meetings into inspiring successes.
Tyrvään Pappila is located at the shore of lake Liekovesi, near the city center of Sastamala.
Cafe | Music Hall | Gallery
Funkkistalo serves good food and drinks at the Sastamala city center area. The building was constructed in the year 1938 and recently renovated through few years up to its new grand opening by the end of 2020.
The Music Hall creates fantastic premises for concerts, seminars, parties and meetings. In the Gallery space we have art displayed through the year.
Art is for Everyone
Art Pappila arranges great international and domestic art exhibitions in the dignified barn of Vanha Kivinavetta near Tyrvään Pappila. In addition we have gallery premises displaying art at Funkkistalo.
Parties, meetings and for quality time together
Mattilan Majatalo is located in the middle of a beautiful countryside at Sastamala's Kärppälä region. The farm was established halfway through 1800 and have since been renovated to serve as idyllic surroundings for parties, accomodations, and meetings.
In Mattila you will sleep well and get to enjoy the peace and quiet of the nature around you. The guesthouse premises are located on a hill at our horse farm Kärppälän Ratsutila.
Kärppälän Ratsutila is a modern and versatile horse ranch and centre. In addition to our full board horse services at out stables our premises are in constant use by trainers and held contests.
The ranch suits the diverse needs of horse riding societies and gives you splendid surroundings for business meetings alike.
Welcome to Pappila Hill!
Tyrvää Jazz is held at Sastamala, in an old dignified barn called Vanha Kivinavetta. The address is Jaatsinkatu 2. There is unobstructed passage at Vanha Kivinavetta downstairs.
Events are organized by Tyrvään Pappila which is located right next door.


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From organizing helicopter flights and clearances all over the country for film crews, arranging interviews with locals from the fisherman in a remote mountain village up to the high-ranking state official or celebrity for documentaries, through recruiting local actors for movie shooting – nothing is impossible within a reasonable time-frame for the close-knit and well-oiled Green Discovery team.
Based on collaborating with a high-profile, professional clientele, GDL has gained ample experience in 'fixing' for journalists, film crews (both documentary and fiction), photographers and the like from minutely planning to thorough implementation and support services, as well as running all obligatory official documents.
Guided by the credo 'always expect the unexpected, nothing is impossible', our sensitive and circumspect organizers are well versed in handling ever-changing locations and set script alterations by our clients.
Doing media work in Laos requires strict observance of government rules whereas creative activities often need quick solutions in unforeseen situations. There is no wish of our clients that cannot be 'fixed' by our staff with its highly positive performance record.
We are proud to rank such honourable institutions or persons to our clients:
- BBC, (E.g. The Tropic of Cancer),
- France Television (faut pas rêver),
- TF1, (Sept à Huit),
- NHK (Japan),
- Discovery Channel (Animal Planet; US),
- Catherine Lim (producer, Channel News Asia, Singapore),
- Stephen Wilkes (photographer, National Geographic magazine),
- Alessandro Zunino (movie director, Italy; "Lost in Laos") …
– to name a few.
Efficient, broad-ranging pre-production work, usually constricted by a narrow budget, is the trademark of our staff. In accordance with the client's often very specific requirements and personal wishes, we:
- evaluate destinations and set locations,
- source expat or Laotian experts and organize meetings on any subject,
- Create individual itineraries,
- Deliberate the program's feasibility in the Lao context and provide advice,
- procure unusual equipment (for instance extensive lighting or sound systems) either by buying or purchasing from the nearest point of availability in-country or abroad,
- provide vehicles of all sorts and secure transportation from point A to B.
Contact Us
Contact us today to organise film permits, logistics, local experts or equipment hire.


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Seven Reasons Why Public Cloud Is Securely Driving The As-A-Service Economy
Author: Jack Sepple, Senior Managing Director of Cloud, Accenture
In today's outcome-driven economy, we're seeing more and more businesses adopting processes they can plug into quickly—delivered as-a-service. To compete in an increasingly connected, always-on world, they seek the flexibility to start small, pay only for the services they use, quickly discern what's working from what's not and continue driving results. And they want to do it all at scale.
Like any business model, the as-a-service approach requires strict security protocols. Operating in this environment calls for comprehensive, proactive and adaptive threat protection embedded into the fabric of the digital business.
As more businesses turn to cloud solutions to compete and thrive in the as-a-service space, they must make important decisions around which cloud will best meet their outcomes-driven business needs. Doing so requires dispelling certain myths about public cloud, chief among them the idea that private is more secure. The fact of the matter is that public cloud tends to be a more secure platform.
Here are the top seven reasons why public cloud's security reputation merits closer scrutiny:
- Availability — A cloud service provider (CSP) such as Microsoft or Amazon Web Services typically has the geographic distribution and scale that can offer reliability and resilience far beyond what most datacenters can achieve.
- Skilled Resources — What we call Tier 1 CSPs are staffed with large pools of skilled security practitioners who have extensive experience in identifying, containing and eradicating security threats.
- Incident Response/Malware Protection — CSPs have massive data sets, compute power and advanced security analytics to perform analysis through security intelligence systems.
- Depth — CSPs are embedding security intelligence into the foundation of their as-a-service operations, protecting their own infrastructure and alerting customers to potential hazards and attacks. Providers perform this foundational security service day in an day out, detecting and preventing a broad spectrum of security attacks—many that one enterprise alone might never see.
- Physical Security — CSPs manage physical access, perimeter security and surveillance. Additionally, a provider's hosting facility, associated policies and procedures have remarkably high standards and maturity levels.
- DevOps Agility/Efficiency — Public CSP infrastructure models allow for system architectures that assume and account for security failures. If a server goes down or becomes infected, CSPs can easily decommission and spin up a new one.
- Disaster Recovery — The speed, automation and low cost of public cloud infrastructure facilitates a flexible selection of hot, warm and cold server deployment models. This means that the right solution can be deployed based on recovery metrics and importance of business function.
More and more industry observers are discovering the benefits of public cloud. Where availability is concerned, TechRepublic recently pointed out that big, reliable CSPs typically offer "around-the-world redundancy and even ensur[e] that certain data centers are located on different seismic plates."
And public cloud is saving users big costs (and big headaches)—because cloud systems have 24/7/365 monitoring, they have a favorable track record of uptime. According to Infor, public cloud users experience
fewer service disruptions and quicker recovery, reducing downtime by 72% and saving nearly $32,600 per application per year.
Read full article: www.forbes.com/sites/accenture/2016/02/17/seven-reasons-why-public-cloud-is-securely-driving-the-as-a-service-economy/


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- Description
- Product video
- Reviews
- FAQs
T7.0 Electric Golf Trike Scooter
About SoverSky Electric Golf Scooter Three wheel Golf mini cart T7.0
- [35 MILES CITY RANGE] The 60V 20AH high-density lithium battery pack provides 35 miles of city range or combined stop-and-go range. All the above data are tested by optimized condition.It depends on rider's weight and terrain.The 4A fast charger only need 4-5 hours to get the battery full .
- [Multi-Function] SoverSky T7.0 Three wheeler scooter can be used for adults,when you install the golf attachment , it can be used for golf scooter . .
- [SMOOTH SPEED ACCELERATION] With 60V 40A integrated controller, Possess a good level of stability in power supply cotrol and high current output capability making the 3 speed up and down very smooth.
- [PREMIUM COMFORT] The Hydraulic shock Fork and rear spring steel shock suspension are fully adjustable.. Besides the 8Inch tubeless fat tire decrease the risk of puncture and brake distance.
- [ALL INFORMATION LCD SCREEN] Integrate the speedmeter ,mileage,voltage,power level together ,you can control your scooter all the time ,no worry for the low power any more .We also can diagnose faults by code which show in the display screen,make it easier forfix
T7.0 Electric e Golf Trike Scooter
|2000watts Brushless Motor
90 NM max motor torque
|20 MPH ( Optimized Terrain )
|60V / 20Ah Lithium-ion Removable
|30 Mi ( Optimized Conditions )
|60V / 40A integrated controller
|440 Lbs
|5A Plastic Charger
|Charge Time
|4-6 Hours
|Tire Size
|215/40-8 vacuum Tubeless
|Tire Pressure
|Front: 250 kPa Rear: 250 kPa
|Hydraulic brake
|Hydraulic shock Fork +Rear Spring Shock
|Wheel Material
|Frame Material
|Seamless steel pipe
|60V Headlight,Turnning /Brake light
|Throttle Twist
|Three Forward Speed + One Rear Gear
|LCD Display
|Speedmeter , Mileage,Power
|Phone holder
with USB port
|Bluetooth Speaker
|Saddle Bag
|Rear Basket
|Shipping Size
|75" * 15" * 30"
|Shipping Weight
|220 Lbs
SoverSky T7.0 Electric Golf Trike Scooter Unboxing
When can you Prepare my product after I place the order at your website ?
-- The handling time of warehouse usually take 12 hours
When can you ship my order out ?
-- We will book the freight from our broker at same time of preparing
Which freight company do you use ?
-- We work with a third part broker LTL company ,they will choose the best carrier for you
When do I expect to get my scooters ?
-- Depend on your location , take around 2-5 workdays.
How can I track my goods ?
-- Pls pay attention to our website , we will update the track number as soon as shipping out .
What should I do when I get the call from carrier ?
-- Pls check the package first ,if item is defective, damaged or if you receive the wrong item , pls refuse to sign or leave remark at the BOL ,then we will claim it
Can I cancel my order after I place it at your website ?
-- Pls contact us immediately ,if we haven't ship out , we will cancel it for free .
Can I cancel the order after you ship it out ?
-- We need to collect the around shipping cost and 10% re-stock fee .
Can I return the goods after we receive it ?
-- If you keep the package well and we can sell without any re-packing , yes,but we need to collect the around shipping cost and 10% re-stock fee .
Can I return the goods after we use ?
-- Within 15 days, we will accept .You need to pack it at our original package, We need to collect the around shipping cost and 30% re-stock fee.
What is your warranty policy ?
-- 1 Year for Main frame , lithium battery ,Motor and Controller
When can we get the spare parts for replacement ?
--Depend on our stock , usually 3-5 days , if out of stock , 10-40 business days .
Can I have more information about the policy ?
-- Pls refer https://soversky-us.com/pages/warranty


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Mea Maxima Culpa
In posting yesterday about Debix, I should have disclosed that I have
personal and financial relationships with the company.
In addition, I was one of the 54 people in the test, and my fraud
alerts did not set properly. I should have disclosed that as well.
I apologize for the oversight.
My thanks to Mr. X for commenting that I didn't seem my usual skeptical self in my
posting. I had planned to disclose this in the post, as I have in
prior mentions of Debix. ("Does Lost Data Matter," and "Introducing Debix.") For clarity, I am no longer on Debix's Technical Advisory Board. As I said when I announced that I'm Joining Microsoft, "I want to be clear that [the decision to leave advisory boards] is about the tremendously cool opportunity within Microsoft, not a lack of confidence or enthusiasm for the companies I have had the pleasure of working with. I remain enthusiastic, and wish all of them them great success."


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Now that Covid-19 infection rates seem to be decreasing in many countries, working and public life is starting up carefully. People are thinking of going back to the office again. Of course that requires some effort from both the employer and the employee. Social distancing, extra hygiene measures and reducing the number of people in the office are things that we must take into account seriously. We are happy to give you 4 tips to guarantee a good preparation for a safe working environment after Covid-19.
Tip 1
Talk to your employees
Employees have been (mostly) working from home for an entire year now and although it is not an ideal situation, we have all gotten pretty used to it. It is a safe environment and we have now found a balance between work and private life. Now that we are carefully thinking about working in the office again, this can and will lead to questions and uncertainties. So, talk to your employees about their wishes, expectations and possible fears. Make sure they feel heard. How do they feel about the idea of spending time at the office again? How many days could they come to the office? What do they need? Together the best ideas arise. Help them with solutions for both business and private situations. Show what steps you have taken to get back to work as safely as possible. Perhaps there are colleagues who have slowly started in the office already; how do they experience this? A positive employee experience is key for a successful Return to Office strategy.
Tip 2
Investigate the (im)possibilities of the office space
We all understand that we cannot return to the situation before the Corona outbreak. Many organisations will have to reduce their desk space or room capacity down to 50-60%, as one in every two desks become unusable. But what does that mean in reality? The number of people per floor or meeting room depends on several factors, including the floor space of the room, the ventilation options, and the possibilities to keep sufficient distance from each other. This means that we not only have to calculate the capacity per space, but we also need to define walking routes to – and within – this space and check how accessible each floor is with the elevators or stairwell. Is it already possible to receive visitors and in what form can you open the company restaurant? What are the hotspots in your building? Determine all this so that you can set up your departments differently. If you work with our Desk Booking or Room Booking tools you will get a better picture of this.
Tip 3
Provide extra cleaning measures.
In addition to keeping distance from each other, a clean working environment is just as important. This is perhaps the greatest uncertainty for employees. They are, to a certain extent, extremely dependent on, and have little influence on, the hygiene measures that the employer takes. What extra cleaning measures do you implement, how often and in which areas? Think of the desks, the public areas and the meeting rooms. They all need extra cleaning in between use. And determine which other areas require even more attention, such as coffee corners, toilets and elevators. Besides the fact that employees wash their hands extra and use paper towels and disinfectant gels, they need to be able to trust that they start their work in a safe and hygienic way. And how useful would it be if they get this certainty by using the Desk and Room Booking tools?
Tip 4
Dare to think in Smart Technology solutions
Smart Office solutions can help you with all issues mentioned above. With Desk Booking software and Room Booking software you can easily reduce the capacity per room or floor and limit the number of people in your building. With employees booking their workplace or meeting room in advance, you as an employer know exactly how many people are in the office. You get direct insight into the free spaces, the occupied spaces and the spaces that need to be cleaned. You now know what the busiest days of the week or the busiest hours in a day are. That way, you can advise teams to come to work at a different time or scale up the cleaning services on specific days. And all this via a portal or mobile app that is accessible to everyone from anywhere. Employees know where they stand and employers use the data to monitor and adjust where necessary.
The use of Desk Booking and Room Booking software has many advantages and we are more than happy to show you what it can mean for your company.


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Diseases carried and spread by mosquitos cause millions of deaths worldwide each year. In the United States, mosquito season starts as early as February, with most regions affected by April. The more significant diseases spread by these insects include West Nile virus, dengue, malaria, Zika virus, and Chikungunya virus.
Can you recognize the clinical presentations of these potentially deadly conditions? Are you familiar with best practices for diagnosis and treatment? Take this quick quiz to make sure you're prepared for this mosquito season.
Medscape © 2020 WebMD, LLC
Any views expressed above are the author's own and do not necessarily reflect the views of WebMD or Medscape.
Cite this: Michael Stuart Bronze. Fast Five Quiz: Mosquito-Borne Diseases - Medscape - May 06, 2020.


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Cargotec Joins Global Maritime Startup Accelerator Program
Cargotec has joined the Trade & Transport Impact program, which connects startups with corporations for the purpose of addressing big challenges in maritime cargo transport and logistics. This is the first program of its kind in terms of its scale and global scope within maritime and logistics. The program is initiated by the London-based startup partnership organization, Rainmaking Ltd. The program is scheduled to last three years, with its main venue housed in Hamburg, Germany.
Cargotec is one of the key partners driving the Trade & Transport Impact program, as a company with touch-points throughout the cargo movement chain through its marine logistics businesses, Kalmar and MacGregor. As a result, Cargotec offers insights, market access and relevant data flow that will benefit the startups that join the program. —Cargotec


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Road bike disc brakes: everything you need to know
What disc brakes are, how they work, and that disc brakes vs rim brakes question answered
It's only a few years since disc brakes were anathema to many road riders. Pro riders were especially vociferous in expressing their disapproval – or, at worst, hatred – of the new braking technology.
Step forward to 2021 and all but one of the 19 teams (Ineos Grenadiers) look likely to be riding WorldTour bikes kitted out with discs.
That's in part due to bike makers switching their output almost exclusively to disc brakes. But even teams, such as UAE Team Emirates, who have the option and were riding rim brake bikes last year have this year made the switch to disc brakes.
That switch away from rim brakes isn't confined to premium models and has trickled down to budget road bikes too. They may have cable disc brakes rather than hydraulic systems, but you'll find plenty of road bikes under £1,000 kitted out with disc brake rotors.
So what exactly are road disc brakes, and why all the fuss? Are they really any different from other recent advancements in bike technology? And which braking system comes out on top when comparing disc brakes and rim brakes?
What are road bike disc brakes, anyway?
The most fundamental difference between traditional rim brakes and disc brakes is where the braking forces are applied.
As the name suggests – and just as it's been done for decades – rim brakes clamp directly on to the sides of the wheel rim itself. In this way, the rim serves as a main structural component of the wheel, the mounting base for the tyre and the braking surface all in one.
In contrast, disc brakes move all braking duties to a separate rotor that is much smaller in diameter and mounted directly to the hub – much like everyday automobiles or motorcycles, and pretty much all other wheeled vehicles.
The brake caliper is still mounted to the frame and fork but is situated much closer to each wheel axle.
Another key difference is how each type of brake is usually operated. With a few rare exceptions, rim brakes are 'cable-actuated', meaning the levers are connected to the caliper with braided steel cables (bowden cables, to use the engineering term) that slide through some sort of housing.
You pull the lever, which then pulls on the cable, which then forces the caliper to clamp down on the rim.
Disc brakes are more often than not of the fully hydraulic variety, where the cable and housing are replaced by a non-compressible fluid and a hose in a fully sealed system.
When you pull the lever on a hydraulic brake, it pushes a plunger in a 'master cylinder', which then pushes that fluid through a hose to the caliper at the other end. That hydraulic pressure is what pushes the caliper pistons out and clamps the disc brake pads onto the rotor.
Like a rim brake, a cable-operated disc brake has a wire running to the brake mechanism, but in this case the cable pulls one or two of the pads in the caliper together to squeeze against the rotor.
Cable-operated disc brakes are cheaper and slightly less efficient than hydraulic disc brakes due to the friction and stretch in the cables, and are normally found on lower priced bikes.
Who makes road disc brakes?
SRAM was first to market with a disc-specific road bike groupset, although there were mechanical disc brake options from Avid and others available before its 2012 Red Hydro R came along.
That was followed in 2013 by Shimano and finally in 2016 by Campagnolo, so you can now find options from all the major road groupset manufacturers.
Initially disc brake options were limited, but all three brands have now trickled hydraulic disc brakes as an alternative to rim brakes into many of their groupsets. They're also a feature of groupsets designed for gravel bikes, including Shimano GRX and Campagnolo Ekar, and single chainring drivetrains.
This means you can find disc brakes at a wide range of price points, including the top-tier Dura-Ace, Red and Super Record groupsets for Shimano, SRAM and Campagnolo respectively.
The technology is also now available right down to cheaper options: Apex 1 for SRAM, Tiagra for Shimano and Chorus for Campagnolo. Shimano also offers a mechanical disc brake option for Sora.
Alongside hydraulic disc brakes from the big three, you can often find mechanical disc brakes on lower priced bikes: TRP (who also make the Hy/Rd mechanical/hydraulic hybrid caliper), Hayes and SRAM's Avid brand are common options.
Disc brakes vs rim brakes: why disc brakes are better than rim brakes
Disc brakes offer several key advantages over rim brakes.
First, they generate much more stopping power, meaning there's less force required at the lever to generate the same amount of deceleration as on a rim brake.
This can be a big help on long and steep descents where 'arm pump' can eventually set in, or for heavier riders who have struggled to find enough power from traditional brakes (the same issue applies to heavier bikes, such as touring bikes and tandems).
An added bonus is that braking power can be boosted (or tempered, depending on your preferences) by changing rotor sizes. A bigger rotor will increase the mechanical leverage and heat dissipation while a smaller one will save weight for riders who just don't need the extra braking force.
Granted, stopping power on any wheeled vehicle is inherently limited by traction. And as many of you will know (possibly through painful experience), it's already quite easy to lock up a wheel on a bike with rim brakes – which brings us to advantage number two: control.
Disc brakes offer better modulation than rim brakes, meaning it's easier for the rider to precisely meter out how much clamping power is generated. Peak stopping power occurs just before the point of lock-up, and disc-equipped bikes are better equipped to flirt with that edge without crossing over.
Disc brake power also tends to be more linear and predictable than on rim brakes, and it's far more consistent in varying weather conditions, especially when compared with using rim brakes on carbon rims – a combination that yields notoriously poor performance in the wet, yet is also prone to overheating when dry.
Another advantage of hydraulic disc brakes exploited by bike makers is that you'll get the same braking efficiency regardless of how much the brake hose twists and turns.
That's allowed bike brands to develop complex internal routing and increase front-end integration, with hidden cable and hose runs from brake levers to point of action, and associated aerodynamic improvements.
Disc brake wheel rims can also be made lighter than rim brake wheels. In a rim brake design, the need to handle the compressive force of the brake pads, the expansive force of the tyre and the heat generated by braking require greater strength and heat dissipation than a disc brake rim, where it's just the tyre pressure that needs to be handled. It's easier to optimise the rim's aerodynamics when designing for disc brakes too.
Likewise, disc brake frames can be built differently to rim brake frames. While there's a need to beef up the left fork leg and left-side chainstay, there's less force acting on other parts of the frame, which can be thinned out.
Bike makers have also learned how to make disc brake bikes as aerodynamic or more so than rim brake bikes.
Disc brakes vs rim brakes: why rim brakes are better than disc brakes
The biggest advantage of rim brakes is weight. Although disc and rim brake components themselves aren't very different weight-wise, once you add the rotor, the system weight of a disc brake setup is typically a few hundred grams greater.
However, as we've covered in the previous section, wheels and frames for the latest generation of bikes can compensate for this.
The simplicity of cable-actuated rim brakes has plenty of upsides, though. Parts are generally cheap and widely available, there's a very high degree of compatibility between multiple brands and vintages.
Rim brake systems are easy to repair when needed – even on the side of the road, or in the middle of nowhere with limited availability of spare parts. Rim brakes are also easy to adjust, unlike some disc brake systems, where disc brake rub and squealing can be persistent issues.
On top of that, it's worth pointing out that the latest rim brake systems are better than ever, particularly on mid to high-end groupsets, and provide plenty of stopping power on tap.
There was an aesthetic argument that rim brake bikes are in some way prettier than disc brake ones, which was widely held when disc brake road bikes started to appear.
We'd say that argument is now less relevant. The clean lines that disc brakes and internal routing allow, particularly around the front end of the bike, more than compensate for the rotor.
How disc brakes change road bikes
Cast aside the various conspiracy theories surrounding why the bike industry seems so hot on disc brakes. Of course, companies would love to sell more bikes and gear than they do now – that goes without saying.
However, history has repeatedly demonstrated that major changes in bike technology have only shifted the types of bikes and gear that people buy, not the grand total.
The fact of the matter is that the bike industry sees the road disc movement as a way to advance bike technology forward in a meaningful way in one big step. Bikes equipped with brakes that work better are safer, full stop (pun intended).
Without having to worry about accommodating a caliper, disc-equipped road bikes can more easily fit higher-volume tyres and wider rims for improved traction and performance on a more diverse mix of terrain.
That's opened up the chance for road riders to fit much wider tyres, with 28mm or more now being the norm on many road bikes, in place of the 23mm tyres seen just a few years ago. It's a change that can make for a much more comfortable, grippier ride, without a significant downside in speed or aerodynamics.
Since the seatstays no longer have to be reinforced to accommodate a rim brake, they can be made more flexible too, also augmenting comfort.
These changes are also driving the boom in gravel bikes and more capable endurance bikes.
The move to disc brakes has come with a concurrent transition to thru-axles. Although it's still faster to install and remove a wheel on a disc brake bike with quick-release skewers, there's still too much variability in how the wheels fit into the frame and fork.
This can lead to issues ranging from annoying (pads rubbing on rotors) to terrifying (unanticipated wheel ejections under hard braking).
Thru-axles instead use closed dropouts that more consistently place the wheel in the same spot relative to the brake caliper, and are safer to use in general with less chance of user error.
They also provide a more rigid connection between the wheel and frame than quick-release hubs, so that a frame can be lighter without losing stiffness.
Road disc brake compatibility and standards
The switch to disc brakes means that bike makers have designed frames that are in general incompatible with rim brakes; you can't fit disc brakes to a rim brake frame and you can't swap from discs back to rim brakes, except in a few cases, such as the Wilier Cento10 NDR, which has been designed to allow you to fit either type of brake.
Disc brakes not only require dedicated fittings on the frame and fork for the caliper but, ideally, localised reinforcements to handle the added stresses applied.
Meanwhile, the wheels require hubs with either a six-bolt or Centerlock-splined interface to attach a rotor. Neither of these can simply be added after the fact.
There's virtually no mixing and matching allowed between disc brake brands either, at least as far as hydraulic options are concerned. There's a fair bit of flexibility for combining different makes and models of rim brakes, especially when you factor in smaller aftermarket brands, whereas disc brakes are much more limiting.
SRAM hydraulic disc brake calipers can only be paired with SRAM levers, for example, and the same goes for Shimano and Campagnolo.
Cable-actuated disc brakes from TRP, Paul Components, SRAM/Avid, Hayes and others offer more flexibility, but even then differing cable pull ratios between the various makes, models and even years of levers have to be considered for optimal functionality.
Implications for long-term maintenance and serviceability
Hydraulic mountain bike disc brakes have long been widely accepted in the off-road market, so there's plenty of history to go on in terms of long-term maintenance and serviceability, and it's a mixed bag.
On the one hand, hydraulic disc brakes are fully sealed from the elements and require little-to-no everyday maintenance – most of the time (cable-actuated disc brake maintenance is more in line with conventional rim brakes). There's also no housing for grit to get into and no cables to fray.
As an added bonus, they even self-adjust for pad wear so the lever pull stays consistent over time. Aside from occasionally bleeding the system with fresh fluid – most companies recommend doing this about once a year – there's not much to it.
Bleeding hydraulic systems does require special tools, with a full home kit running about £45 / $55 (plus a few extra for fluid annually). Alternatively, having a shop do it will cost about £40 / $60 each year, give or take.
Disc brake pads also tend to be slightly more expensive (about £50 / $80 vs £40 / $60 per full set of good ones), but the real-world differences are quite minor when you factor longevity into the equation. Keep in mind, however, that regularly riding in wet, gritty conditions can skew those figures dramatically.
Conventional rim brake cable and housing is far from cheap though, especially if you prefer to use higher-grade stuff (as you should…), so while rim brakes hold an advantage here, the differences aren't as dramatic as they might seem.
If something actually breaks, however, rim brakes hold a big edge since it's much easier to diagnose – and repair – a problem.
For most users, hydraulic disc brakes will be akin to electronic equipment: while you can often figure out an issue on your own, most cyclists won't have the equipment or knowledge to do so.
If you're the type to run things into the ground though, keep in mind that there are definite upsides to not subjecting your rims to regular wear.
Whereas it's very expensive to replace a rim that's been worn down from long-term braking, disc brakes only require a new rotor. Speaking of which, those rotors are also less likely to go out of true than a rim.
Will disc brakes replace rim brakes completely? Perhaps not. At the very least, rim brakes will likely live on with smaller brands and niche applications, but with mainstream brands, the tide has been turning towards discs for some time now.


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Cosmic Rallies Under Borel To Take Featured Dark Star Purse on First Night Racing Program at Churchill Downs
Jun 20, 2009 By Gary Yunt
Mary Grum's Cosmic, receiving a patented, rail-skimming ride from Calvin Borel, romped to a 4 1/4-length victory over Godolphin Gray before a crowd of 28,011 to win Friday's $52,270 Dark Star Purse, the featured attraction on the first program of night racing in the 135-year history of Churchill Downs.
There are two more "Downs After Dark" programs scheduled during the Spring Meet, next Friday, June 26, and Thursday, July 2.
Godolphin Gray, ridden by Aldo Canchano, led the field of seven through fractions of :22.93 and :45.60 with Cosmic running sixth in the early going. Borel cut the corner at the head of the stretch, collared Godolphin Gray at the eighth pole and drew clear to complete the seven furlongs on a fast main track in 1:22.21.
The victory was worth $32,105 and improved Cosmic's career earnings to $126,672 with his third victory in 14 starts. Cosmic is a 4-year-old Kentucky-bred son of El Prado and trained by Borel's older brother, Cecil.
Cosmic returned mutuels of $9.40, $5.60 and $3.20. Godolphin Gray paid $13 and $5.40 in finishing a length ahead of odds-on favorite Flying Pegasus, who paid $2.20 to show under Robby Albarado.
One other big winner on the night was Billy Warrick from Louisville, who cashed for $2,400 as a "Bet or No Bet" Sweepstakes winner when Albarado guided Final Copy to victory in the eighth race. Warrick's name was one of five drawn at random for five races and he had the choice of taking $100 in cash or placing a $1,000 win bet.
He did the latter.
"I was about to throw the (sweepstakes entry) ticket away and I thought 'what the heck,' " Warrick said. "I didn't wake up thinking this would happen. I am usually a $2 exacta box man. I will always bet on Robby."
Racing resumes Saturday with an 11-race program beginning at 12:45 p.m. EDT.
Ticket Info
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Here is a recipe for brownies, they work out to 1.5:1 ratio perfectly. They are very moist and light while still having the great chocolate-y flavor you crave when you want a brownie! If you want a more "cake like" brownie that holds together a little better, reduce the applesauce by about 50g and add an additional egg (about 50g). They will still be a 1.5:1 ratio. They contain NO NUTS so these are school friendly!
1.5:1 ratio
total calories for the entire recipe are 1274 (79.6 calories each if cut into 16 brownies)
113g butter, room temperature (1 stick)
20g Truvia (6 packets)
8g pure vanilla extract, (NOT Bickfords!) (2 teaspoons)
100g raw egg, mixed well (about 2 large)
200g apple sauce, no sugar added (forgot to measure this!, maybe about 1/3 cup)
30g Hershey's Cocoa Powder, unsweetened (1/3 cup)
47g coconut flour (1/2 cup)
2g baking powder (1/2 teaspoon)
2g baking soda(1/2 teaspoon)
Pre-heat the oven to 350 degrees. Mix the first 5 ingredients together until the butter is well combined. Add in the dry ingredients and stir with a spatula to evenly incorporate everything. Pour batter into a well-greased 8×8 pan. Bake for at least 30 minutes, longer for a drier brownie. Let them cool before slicing!


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More than 144,000 people have fled from a rumbling volcano on popular tourist island Bali, but officials Saturday urged evacuees who live outside the immediate danger zone to return home.
Mount Agung, 75 kilometres (47 miles) from the tourist hub of Kuta, has been shaking since August, causing fears it could erupt for the first time since 1963 and triggering the highest possible alert level eight days ago.
But officials say the number of evacuees has grown too high, and only people who live within nine kilometres of the crater should remain in temporary shelters or with friends and relatives further afield.
"There is no reason for people who live in the safe zone to evacuate. They need to go back to their village because they will become a burden," Bali's governor I Made Mangku Pastika said.
Only 70,000 people live within the nine-kilometre radius affected by Mount Agung's volcanic activity, meaning more than half of the evacuees can return to their houses, the government said.
"Only people from 27 villages must evacuate. The rest can go home. They can either go home independently or with the help of the government," said national disaster mitigation agency spokesman Sutopo Purwo Nugroho.
The activity of Mount Agung remains high but stable, said the Indonesian Center for Volcanology and Geological Hazard Mitigation. There were fewer than 200 tremors between midnight and 6am on Saturday — slightly below the level of seismic activity observed Wednesday and Thursday, it said.
Indonesia sits on the Pacific "Ring of Fire" where tectonic plates collide, causing frequent seismic and volcanic activity.
In 2010, Mount Merapi on the island of Jaya erupted after rumbling since 2006, while Mount Sinabung on Sumatra island — which is currently also on the highest alert level — has been active since 2013.
"There are no visual signs yet that Mount Agung will erupt soon. So don't be afraid to come to Bali, it's still safe. And if the mountain erupts, it's still safe as long as people stay out of the dangerous zone," Nugroho said.


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What I will see and do around Atsiki village:
• Temple of Ag. Giorgos
• Idyllic sand dunes
• Faraklou geological monument
• Gomati Beach with a backdrop of desert-like sand dunes
Atsiki is the third largest village on the island (after Myrina and Moudros) and sits in a fertile plain. The name of this village is derived from the word for Attica and indicates the settling of Athenians here. Atsiki has a large downtown square where you can enjoy your coffee or dinner at the many quaint cafes and tavernas. A short walk through the narrow streets of the village will lead you to the impressive church Agios Giorgos, with its large stone tower.
Just outside the village of Atsiki, you'll come across an ideal place for admiring Mother Nature, as this spot is home to two unique landscapes; the sand dunes (Pachies Ammoudies) in Katalakko and the ever-impressive geological site Faraklou, near the village Propouli. Take a swim at the adjacent Gomati beach.
Meander your way through the surrounding villages to discover the long-sought traditional, local factories that make orange juice and lemonade.
- Adres: Atsiki, Limnos


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Electric lighter is simply a single one among that last Created in United States things. In 1932 George G. Blaisdell put in place and made the fundamental Electronic lighter inside a carport in Bradford, Pennsylvania. Electric lighters have been presented in Bradford given that. Electric lighter can be a sensibly respectable point by using a big portion of stretching out from 18 to 35. Inconceivable good quality, consideration and regard all encompassed using a slight class. Moreover, we perceive outstanding observations been accessible in little ideas. Electric lighters connect in a variety of types and subject matter. Entertainments sociable functions, by way of example, NFL, MLB, NBA, and NHL, armed forces Army, Navy, Travelling Pressure, Militaries, Shoreline Guard, Outdoors Animals, Playboy, Stainless lighter in burdens, Brass less heavies, tinted lighter in problems, Hollywood superstars, Jack Daniels, Jim Beam, thusly with a simple level far more. There are numerous concepts to choose from. You could proceed jogging with regular stainless or hands selections a lighter by having an layout your prestigious one understands as a redirection, calling or vitality. There is an Electronic lighter for each specific on your once-around of things to get.
Definitely, even low-tobacco users adore Electrical lighters. It is not necessarily odd to have a non-smoker an electrical. Electric lighters are available in good for lights blaze lights, outside, lights BBQ's, by using a light-weight into a tobacco user associate, and so forth. A low-tobacco smoke will carefully acknowledge an Electric is surprising. It is among one of these vital centres which you likely would not purchase for yourself, at any amount you discover with no other individual utilizing it repeatedly upon having one electric lighter. A scratched Electric lighter is surely an surprising give to observe an unheard of occasion electric lighter. Ideal events to provide adjusted Electronic lighter are jumps ahead an impressive activity, a basic operate, a marriage event as groomsmen offers or bridesmaid provides, graduating, wedding event festivity, safety respect, affiliation look, bay good times, or any astonishing situation.
Günter Present materials a lot more than 600 specific Electrical lighters open to be received. Incredible scratching frameworks completed by their ruler etcher are right away readily available no spot in addition from the united states. Scratching in arise rounded, square, Christian, Jewish, cardiovascular system, learn, and lawyer musings have definitely been all-around and curiously passed on to dazzler individuals manufactured usage of to yanking in direct facial lines. You can additionally have remarkably information engraved in the winding! That can take some highest and is an exceptional enhancement by Günter Existing. Despite just what the celebration, buy electric lighter make impressive modified gift items that will not commit a ton. Engraved Electric lighters will probably be employed for a huge very long time. The named beneficiary will definitely review that provided that useful less heavy and you will definitely be observed being a sector of times. An Electric is absolutely a current which is regarded and respectable.
Categories: General


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I'm Kiriko Nishiyama, moderator of cross-cultural dialogue. With a focus on Japan, my vision is to spread the joy of cross-cultural learning.
My professional passions are
to bring people together as a team
to enjoy every moment of working together
to facilitate a dialogue among a diverse group of people
to help them grasp a better understanding of cross-cultural influences
to help them attain practical solutions for their daily cross-cultural challenges
face and online options available
Seit vielen Jahren wenden wir uns mit Vorliebe an Frau Nishiyama, wenn es um Kommunikation mit Japan geht. Ihrer Expertise vertrauen wir in den Bereichen interkulturelle Trainings, Workshops, Coachings und Beratung.
HR Development
Webasto Roof & Components SE
My clients
I've been supporting more than 100 international clients over the past 18 years. Projects range from providing cultural consultation for a worldwide sport event in Japan to conducting a virtual change management training at the headquarters of a Japanese corporation. On this page, you find a small selection of my clients, who have been trusting the services that I provide.


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vapewarehouse.ie Box of 10 disposable vapes
Pear POD 2pk | BOX of 10
Pear POD 2pk | BOX of 10
Enjoy your favourite Pear ELFA flavour with the convenience of a Prefilled POD. This POD is designed to provide a hassle-free vaping experience.
Additional Information
Whats in the box ?
You are buying a box of 10 disposable vapes, we only supply vapes in boxes of 10
Why do we add VAT at checkout ?
We ship Vapes all over UK, Ireland & Europe and each country charges VAT at a different rate. we do this so you never have any additional charges or customs check when your parcel arrives
Shipping & Delivery
We Ship Via Parcelforce and DPD depending on your location. Your shipping options will be displayed at checkout when you add your address


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Interview with Rock n Roll Artist Alabama Rose
We are sharing our recent interview with rock n roll artist Alabama Rose
Twist Online : First of all please introduce yourself to our readers.
Alabama Rose : My name's Brittany, affectionately known as Alabama Rose in the music world. I'm a rock and roll artist from Birmingham, AL. I carry around a band of awesome people who help me make cool music.
Twist Online : Who or what inspired you to get into music industry?
Alabama Rose : As funny as it sounds, it was the California Raisins. When I was a toddler, I was quite a handful according to my parents. I pretty regularly ended up in places where I wasn't supposed to be, but when California Raisins came on, I was glued in place. I had t-shirts with the Raisins on them, the little action figures, all of it. Around age 2, when I got fully engrosed in that show, I started telling my parents that I would be a singer when I grew up. That show had a huge impact on me as a child.
Twist Online : Tell us about your recent release ?
Alabama Rose : My single Come With Me has come a long way as a song. It was originally called "Leavin'", and I wrote it in 2014 as I was struggling with my identity in the working world. My dad was a coal miner for 47 years, and so was my grandfather. I grew up in a tiny coal mining town with about 400 blue collar people. My family were very "do what you gotta
do" oriented, and it was important to them that I had a successful job and could stand on my own two feet. They were really afraid of the idea of me being a musician professionally.
So in 2014, I was struggling between living their idea of a successful life, verses my own ideas of success, which meant playing music and following my dreams. I'd work 50 or 60 hours a week as a Store Manager in retail, living about 2 hours away from my family. But every week I'd give myself one day off, and I'd drive back home and have rehearsals with my band. I'd spend the night at my drummer's house, and leave the next morning to make it to work at 9AM and start the whole thing over again. At one point I was even living in Florida for work and still coming back to rehearse every week. So I wrote this song during that time. I was exhausted, I cried a lot. To make it worse I was dating a guy in a band that played around the world, so I had to watch someone else so close to me living my dream while I was holding it down at home. My friend Blake Loveless, who played rhythm guitar with me, really pushed me to keep this song in my books for the future. He passed away last year and I wish he could see what the song has become today. It means a lot to me because it marries a lot of the things I grew up thinking about as a young person.
Twist Online : What kind of response you have received from the release?
Alabama Rose : Well, it drops on Tuesday, so I guess we're about to find out. I've been playing it live with my band for a year now and people seem to really dig it. I had a guy cry when he listened to the part of it that talks about working til your hands hurt. I think a lot of people, especially the older generations that people like myself grew up looking up to, can really identify with this song.
Twist Online : What's the best part of being a music artist?
Alabama Rose : I'm still figuring out that part too. But I guess you always are figuring it out. I used to say it was all the places you go and people you meet, and I still feel that way, but over the last year, I've started to really just appreciate being able to make music and write songs as a tool to cope with life. If you take away the traveling and playing shows and meeting people, you can still have something really personal and special if you're making sounds for yourself. So I guess right now, to me, the best part of being a music artist is the music itself.
Twist Online : Performing on stage or working in studio, what do you enjoy the most?
Alabama Rose : Honestly, I can't really have one without the other. I don't like to write new songs and play them live when they aren't perfect, and being in a studio environment helps me to take my initial songs and "grow them up" I guess. On the flip side, when you make those songs you want to share them with people. And there's something about the adrenaline of playing live and connecting with the crowd that really lifts me up. It's like lighting a dull torch all
over again.
Twist Online : Have you set some goals to achieve?
Alabama Rose : My most recent goal has been to record new music and release each song as a single with a music video to accompany it. It has been slower going than I initially thought, but I realized I needed to take some time to get my mental and emotional health in order. People need a breather from time to time and you can't really rush that. Now I feel a lot better, and this week I'm putting out one of those videos. My team and I are mapping out the other videos right now, which is exciting. I'm really happy to be back in the creative seat again.
Twist Online : Are you working on any new project?
Alabama Rose : I'm evolving this thing I've been doing for a while, and myself as an artist, so while I don't really consider it to be a "new project", my goals and trajectory are certainly different from what they were when I first started writing under this moniker.
I'm more content oriented and less tour oriented than I used to be. I'm excited to see what other things I'll add to my ever-evolving "to do" list as an artist.


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A Russian nuclear-powered attack submarine sailed within 200 miles of the U.S. East Coast, defense officials told the Washington Free Beacon.
The report follows by three months a similar revelation by the newspaper that a Russian nuclear sub patrolled the Gulf of Mexico undetected for more than a month.
The submarine off the East Coast was identified as a Russian Sierra-2 class submarine and was the first time that class of Russian submarine had been detected near a U.S. coast, said officials, who spoke on condition of anonymity.
"One defense official said the submarine was believed to have been conducting anti-submarine warfare efforts against U.S. ballistic and cruise missile submarines based at Kings Bay, Georgia," The Free Beacon reported. "A second official said the submarine did not sail close to Kings Bay and also did not threaten a U.S. aircraft carrier strike group that was conducting exercises in the eastern Atlantic."
The Kings Bay Naval Submarine Base is the home port for two guided missile submarines and six nuclear missile submarines.
The Washington newspaper also reported that a Russian electronic intelligence-gathering vessel was granted safe harbor at a Florida port during the Sandy Superstorm, within listening range of Kings Bay.
The Russian attack submarine off the East Coast is equipped with anti-submarine warfare missiles and torpedoes. It was detected by U.S. Navy underwater sonar sensors and now is believed to have sailed several hundreds miles from the coast.
Media reports from Russia the past year have indicated that Moscow is trying to flex its power on the oceans, particularly on the North Sea route.
Its deployment of nuclear submarines is a throwback to the Cold War period decades ago, when the Soviet Union carried out hundreds of submarine patrols to show its capabilities to attack.
Richard Fisher, a military analyst with the International Assessment and Strategy Center, told the Free Beacon, "As was their primary mission during the Cold War, Russian SSNs [nuclear attack submarines] would likely be trying to track U.S. nuclear missile submarines deploying from Kings Bay, Ga., and to monitor U.S. naval deployments from Norfolk, Va."
Russia also has showed its muscle from the air, flying a strategic bomber plane on last July 4 close to the U.S. West Coast, prompting the United States and Canada to scramble interceptor jets.


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Before COVID-19 hit, we spent a lot of time talking about the competitive environment for bank deposits. Every week, an incumbent or new challenger bank was making high rate offers in order to attract new customers. The dynamic may be different now, but financial institutions are getting increasingly savvy about their pricing strategies. Borrowing from retail, we are moving away from one-price-fits-all into a more data-driven and competitive market.
Joining us on the podcast today is Nomis' Prashant Balepur. We talk about the firm's new product, a lightweight tool which provides banks and credit unions real time pricing intelligence around mortgages and deposits. Prashant describes how many FIs make pricing decisions today and what type of data science it takes to optimize products across sectors, geographies and customers.
Subscribe: Apple Podcasts I SoundCloud I Spotify I Google Podcasts
The following excerpts were edited for clarity.
The core pricing problem
I lead product and marketing at Nomis. It's the Greek word for coin. It was founded on a simple premise: that banking and financial services still saw pricing as a cost-plus activity. For lenders, cost is the risk the banks take on. Then you add something to it -- that's your profit and you price to that.
Banking is also a consumer-facing product. When you have this in a competitive dynamic, it's a consumer good. So, you need to think of this from a consumer perspective. Then, it's no longer a cost-plus problem -- it's a value-based pricing problem.
Shopping for comparable products, pricing them, comparing them and making a choice -- this has translated to financial services. Now, I can't walk into a branch. Consumers have been trained to expect that from the financial services providers and they need to reflect that in the way they put their offerings and pricing forward.
Pricing strategy adoption
Different markets and segments are at different points. If you think of the deposit side of the house, using data and analytics are being used to think strategically and tactically around pricing. Strategically, the concept is widely adopted, but some firms are very far along the adoption curve.
Market dynamics matter. If you take small, concentrated markets like Canada, we see rapid adoption once a couple of the banks and lenders adopt data-driven pricing. The effort a bank would need to put in -- given the maturity of the technology and systems -- also influences.
Nobody asks us anymore whether they should implement data-driven pricing. Now, we go straight into the how -- what is the best way to approach it and get the most value. The education and evangelism we did for a number of years when we started has shifted as the market has started to acclimatize and adopt the approach.
Driving pricing strategy
Pricing is owned in some cases by a function but in most cases, it's rolled into the head of a product line like mortgages and savings and deposits. In smaller institutions, it might be the CFO. It depends on the end of the problem you're tackling. For some banks, it's critical to get the pricing and analytical decision right -- that's the back office part of the puzzle. In other institutions, it's important to get the front line problem right and address that off the bat.
Our pedigree continues to be rooted in data science and deep understanding of consumer behavior. That's where most of our deployments start and they then migrate to execution and eventually, presentment. More recently, we've been starting in the front line and then talking about the science and optimization that's under the hood.
New lightweight product
We just launched a new product, nSight. The core idea was to arm our customers with intelligence about markets and customers without taking on the heavy lifting around data, analytics or systems integration. We just launched in beta in the U.S. for two pillar product lines for banks. deposits and mortgages.
On the mortgage side, information for pricing was on a 36 hour cycle. That's too long. We have shrunk that down to 10 minutes. We have a cohort of early adopter customers loving this. It's a huge shift in the pace and granularity to the information available.
In the US, banks price deposits by region. We change state-level pricing and look at it as a geo-level by starting with what customers care about. We boost granularity by a minimum of 20X. Banks can get more surgical about their pricing.
Use cases on deposit side
Central banks have been cut to almost zero, so rate won't really move the needle right now. As banks lower rates, they're thinking about whether they should lower the entire book or be more strategic. If they understand where they can lower it more methodically, they can preserve some of their margin and redeploy it. That's a core use case.
Banks are also using our product to get a better handle on where they're going to end the year given the volatility of the macroeconomic environment.


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Cicero, Letters to Friends 175 to Varro
"Know that since I got back to the city, I have renewed my relationships with my old friends—by which I mean my books. It is not as if I avoided their presence because I was judging them, but because they filled me with shame. For I believe that since I submitted myself to events with the most turbulent and faithless companions, I had insufficiently obeyed my books' commands.
But they have pardoned me. They welcome me back into that ancient communion and they tell me that you were wiser than I was because you persisted in this practice. But this is how I have achieved an understanding with them and why I think I am right to hope that should I see you again it will be easy for me to manage whatever is happening and whatever threatens in the future."
scito enim me, postea quam in urbem venerim, redisse cum veteribus amicis, id est cum libris nostris, in gratiam. etsi non idcirco eorum usum dimiseram quod iis suscenserem sed quod eorum me suppudebat; videbar enim mihi, cum me in res turbulentissimas infidelissimis sociis demi<si>ssem, praeceptis illorum non satis paruisse. ignoscunt mihi, revocant in consuetudinem pristinam teque, quod in ea permanseris, sapientiorem quam me dicunt fuisse. quam ob rem, quoniam placatis iis utor, videor sperare debere, si te viderim, et ea quae premant et ea quae impendeant me facile laturum.


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Merchant Complaints
In a perfect world, everything would be… well perfect!
But we're not so naive as to think that things always go to plan. Sometimes we get things wrong and sometimes our Merchant Partners get things wrong for the Customer.
The key to maintaining a long and successful relationship with our partners, is to recognise when things could be done better and taking steps to continuously improve.
We take all complaints very seriously. After all, it helps us to constantly improve our products and services and to prevent similar problems from occurring in the future.
Merchant Complaints?
We're keen for our Merchant Partners to share with us their experiences of working with duologi. If you have any concerns or feedback that will enable us to improve the way we support you and/or your Customers, then let us know.
We promise we will investigate your concerns thoroughly and in a timely manner. We will then let you know what we found and where appropriate what we have done to resolve your concerns (if this is within our control).
Customer Complaints?
As you are probably aware, for FCA regulated lending, Consumer Credit legislation confers certain rights on Customers to refer their complaint to the lender, where they have been unable to resolve the issue with the merchant.
This is only in cases where they feel, the goods are not of merchantable quality or where they believe there has been a mis-representation or breach of contract by the merchant when the goods or services were sold to them. The effect of such legislation means that Duologi can be held jointly responsible for remedying the concern, if the concern is substantiated.
Therefore, if a Customer refers such a case to us, we will ask you to investigate and then take appropriate steps to resolve the complaint within 30 days.
Where a complaint is not resolved within 30 days, duologi reserves the right to cancel the finance agreement with the Customer and request immediate repayment from the Merchant of any monies due to duologi.
It is therefore important that merchants work with the Customer to come to a mutually agreeable resolution and we will work with you and the Customer to this end.
Ways to Contact Us?
If you are unhappy with any aspect of our service, the easiest way to let us know is by telephone, email or post:
Telephone: +443455211881 (note that we may record your call)
Email: email@example.com
Duologi Complaints
The Square
Basing View
What Information Should You Provide?
Your Merchant name and address (so we know who you are and can contact you directly) What happened and when?
What issue this caused (if not obvious from the above)?
How would you like us to put it right?
What Will We Do?
We promise that we will investigate your concerns thoroughly and as quickly as possible. We will always try to resolve your complaint immediately.
However, sometimes this may not be possible, for example if we need to talk to third parties about the issue.
If we haven't been able to resolve your complaint within four weeks, we will write you again to explain when we believe we will be able to respond to you.
Once we have thoroughly investigated your complaint, we will write to you again to confirm the outcome of our investigations.
If we haven't been able to resolve your complaint within eight weeks, we will write to you, to let you know this.


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Eye movements and perceptual span in reading
March 24, 2018
Tags: eye-movements teaching-materials
Length: short
Tags: eye-movements teaching-materials
Length: short
I am currently reading up on eye movements in reading. A good way to assimilate new information is to try and come up with ways to visualize it. The document below (LaTeX source) is the result of one such attempt. It is a summary of some basic facts about eye movements in reading, focusing on the structure of fixations, saccades, and perceptual span.
The document is based on Rayner's 2009 review article on research on eye movements in reading.1
Also, three perfectly square text columns of equal length is pretty cool.
Rayner, Keith. "Eye Movements and Attention in Reading, Scene Perception, and Visual Search." The Quarterly Journal of Experimental Psychology 62, no. 8 (2009): 1457–1506. ↩


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How to Get Better Balance While Riding a Horse
By Fred Goodson on Mar 14, 2010 with Comments 0
Balance in the saddle may seem an easy feat to accomplish but, in fact, can be quite difficult to achieve and maintain. Obtaining balance over a horse's constantly changing center of gravity and being able to follow the horse's motion in all paces takes time to learn. Many factors such as poor body use and lack of muscle development play a part in the rider's ability to achieve and maintain balance.
A rider who struggles to achieve balance will take actions to help them stay in the saddle: for example, holding the reins too tight, which in turn pulls the body forward; or not sitting upright in the saddle but slumping, which not only makes for very untidy riding but can increase the weight for the horse to carry.
Off the horse
A useful exercise to help you understand the riding position and get a feel for it without having to think about the horse is as follows:
- Stand with your feet about 2 ft (60 cm) apart and body upright.
- Bend your knees slightly.
- Glance down to check that you can just see your toes, which should be under your knees.
- Look ahead again.
- Check you are standing squarely on both feet with toes pointing forward.
- Your weight should be even on both feet.
You should be able to hold this position for quite a while. When you sit in the saddle, your position should then feel more familiar and easier to maintain.
On the lunge line
Working on the lunge with an instructor or colleague is one of the best ways to improve balance. The instructor will take control of the horse, leaving you free to concentrate on your position and balance. You can perform a wide variety of useful exercises on the lunge.
In the school
The following exercises to help balance and co-ordination can be done by yourself in the school:
- Keep your seat out of the saddle for three strides. In trot, rise for three strides, stay out of the saddle for three strides, then rise again. Alternatively, sit for a few strides (not too many), then rise, then sit again.
- Ride without stirrups. Quit and cross your stirrups and check that you are sitting correctly. Aim to keep your legs and feet in the same position as when you have your stirrups. Start in walk and progress to trot. Try canter if walk and trot work is satisfactory.
Filed Under: Arts & Entertainment
About the Author: Fred Goodson has a passion for pets and animals. He has 4 dogs and is planning to have another one. He is also a blogger who writes about pets and animals. Currently, he is living in New Jersey.


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GEV 8300-020 – Wetlands Field Research – Summer 2020
1 credit
- Undertake research as part of a National Science Foundation Long-Term Ecological Research (LTER) project in Plum Island, MA, to evaluate how climate change and land-use change influences tidal marsh ecosystems. This is an immersive field research experience in the marshes and estuaries of Plum Island over a long weekend during summer session II.
- Research will include measuring estuarine metabolism, plant biomass, sediment deposition rates, organic matter decomposition, and more.
- Research will entail long days in the field and in the boat in possibly inclement conditions (weather depending). Students should be prepared to get up early and work all day.
- Assessment will be based on participation in the field work, data analysis of a portion of the research conducted on the trip, and the completion of a short methods and results section of a scientific paper (due after the completion of the trip).
- Students will travel by van to Plum Island, MA on
- Friday 24 July (departing Villanova at 12:00pm) and returning to campus on Monday 27 July (arriving at approximately 8:00 pm).
- Travel, room, and board during the trip are included. No extra costs incurred by students. Students are responsible for bringing sheets (twin size), pillow-case, towel, clothing, and other personal items. Chest waders will be provided, though are not comfortable in warm weather. Students will need to bring other field clothes including a pair of old lace-up shoes (sneakers) that will get muddy.
- Contact Dr. Weston (email@example.com) if you have any questions.


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In the simplest terms, a volcano is a rupture in the Earth's crust which forces out volcanic ash and lava. The world has many volcanoes, some of which are active and others are dormant, but throughout history, this force of nature and resulting in the deaths of hundreds of thousands of people, as well as animals. Volcanologists are the scientists who study these geological features.Continue reading
Tag Archives: compass
Salient Facts Regarding Calibrating Equipment & Calibration
Calibration services are something that thousands of companies need every year. The act of calibrating ensures that many different types of machinery and devices are functioning exactly as they should. These devices include everything from large pieces of production equipment to automobiles as well as optical devices and much more.Continue reading
On The Level: The Many Instruments Needed For Leveling
If you thought a level simply looked like the narrow yellow levels you pick up at the hardware store, you might be surprised to learn that there are many types of levels and instrument used for leveling purposes. All sorts of professionals need to use levels for purposes such as ensuring that a property is level for building or equipment is level before using it for production. Here is some information about different types of levels.Continue reading
Surveyor Equipment: 5 Special Devices Surveyor's Use
Surveyors are those important individuals that study land for various purposes. In some cases, a land surveyor may be asked to help with the construction of a road or a new building. In other instances, a surveyor might help to settle a boundary dispute regarding two properties. There are also mining surveyors who help construct safe mines of all kinds. These surveyors use a variety of helpful pieces of equipment for their many calculations.Continue reading
Facts Regarding Compass Tripods & Surveying Tripods
Many people only think about tripods in relation to photography, and these helpful stands do help professional photographers and shutterbugs keep cameras stable in order to produce high-quality photographic images. However, this is just one type of tripod. There are several varieties used by many different professions.Continue reading
Compasses, The Jacob Staff & Other Interesting Tools
Every professional uses some type of tool to help them get through the work day. For some people, this tool is a computer, for others the tool is a hammer or a forklift. For surveyors and engineers, tools such as a surveyor\'s compass and a Jacob staff might come in handy. Here is a quick look at a few tools with multiple uses for a few unique professions.Continue reading


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What Is Calcaneovalgus Foot?
When we talk about foot deformities in children one such deformity is the Calcaneovalgus Foot in which the foot of the child appears to be pushed up against the front part of the leg. To better explain the meaning of Calcaneovalgus, the word "Calcaneo" signifies upward positioning of the foot and "Valgus" signifies outward positioning of the foot. Hence, in this condition the foot is positioned upward and outward. This deformity is normally caused while the baby is still unborn and one of the reasons for this deformity is crowding around the foot.
What Are The Causes Of Calcaneovalgus Foot?
Calcaneovalgus Foot is normally caused due to abnormal positioning of the foot of the fetus usually due to crowding. This condition is also associated with other problems due to crowding within the uterus like hip dysplasia and muscular torticollis. Since Calcaneovalgus Foot is sometimes associated with hip dysplasia hence it is recommended that children identified as having this condition be checked for hip dysplasia as well.
What Are The Symptoms Of Calcaneovalgus Foot?
Calcaneovalgus Foot is a visible deformity of the foot but there are some classic clinical features of this condition like the forefoot of the child will be abducted and the ankle will be acutely in dorsiflexion. There will also be presence of heel valgus. Also visible will be that the plantar surface of the foot will be extremely flat. This condition is quite similar to Vertical Talus but in actuality Calcaneovalgus Foot and Vertical Talus are two different conditions with the main difference being that in Calcaneovalgus Foot the heel is able to be dorsiflexed and the foot is not that stiff which is the case with Vertical Talus.
How Is Calcaneovalgus Foot Treated?
Calcaneovalgus Foot deformity more often than not resolves on its own with time, although the treating physician may recommend some stretching exercises to speed up correction. It usually takes a couple of months after birth for the foot to come back to its normal position. In some acute cases serial casting may be required to correct the deformity. In some cases where the foot becomes inflexible it may be due to some other underlying cause and needs advice of a specialist orthopedist. Use of orthotics has not been shown to be effective in treating Calcaneovalgus Foot even though in some acute cases where a child suffers from paralytic conditions then an AFO may be of some help for an infant. It is impossible to alter the growth or development of a Calcaneovalgus Foot.
Surgery by far has not been recommended and there is no literature to show any positive results of surgery on Calcaneovalgus Foot and just the presence of Calcaneovalgus Foot does not mean that the child will need aggressive treatment as it is quite a benign condition. Some children in extremely acute cases may need tendon transfers or hindfoot stabilization procedures. Some literature has shown that an arthrodesis procedure has been of help in children above the age of 10 having Calcaneovalgus Foot deformity.
- CALCANEOVALGUS FOOT https://www.orthopedicsindia.com/paediatric-orthopaedic-calcaneovalgus-foot.html
- Chronic Calcaneovalgus Deformity Treated With Tibialis Anterior Tendon Transversion: A Case Report https://www.ncbi.nlm.nih.gov/pmc/articles/PMC9678475/
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Banner and art by veridari
Whatever your poison, whatever your favorite Snarry cliche, it's allowed in this fest. Want to see Snape get transformed into a sleek but cantankerous feline? How about some Snape saves Harry from the Dursleys fic? Perhaps someone can't help but want to play matchmaker or is curious about Snape's reputation as a Slytherin Sex God? How about some Patronus sex? And is there a hint of mpreg in that forced bonding fic?
Maybe that isn't your flavor. Perhaps you like your Snarry dark or angsty. Maybe you want something where Voldemort won? Or where being used as a pawn for so long had less than fluffy consequences for either (or both) of our heroes?
Perhaps you'd like to turn a cliche on its ear. Maybe Harry catches Snape masturbating in the Quidditch changing rooms or the broom shed. Maybe it's Harry who is a 40 year old virgin. Whatever the cliche, whatever you do to it, we want to read/see it, too. Put a new spin on an old trope or revisit an old favorite. All cliches are welcome here.
"Cliche Fest" is an anonymous, one-shot, theme-based fic and art fest hosted at snape_potter on LJ, IJ, and DW. Since the theme is "Cliches", posting will be throughout the month of October and end on Halloween.
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A landmark at what could be Chicago's most impressive corner is losing a major tenant and faces an identity crisis.
The 360 N. Michigan building, at the southwest corner of Michigan and Wacker, will be mostly empty once its largest tenant, Crain Communications Inc., leaves in the spring. The owner of Crain's Chicago Business is headed south to 150 N. Michigan.
So the landlord of 360 N. Michigan, New York property mogul Joseph Chetrit, is looking at his options. A source familiar with the building said Chetrit wants to convert the building into a hotel and build an addition to it, using a tiny parking lot immediately west of the building to enlarge the floors. Chetrit's other interests here include a stake in Willis Tower.
It's a dusting off of a plan that was offered in 2004. Chetrit hired architect Lucien Lagrange for that work. The new effort would encounter many obstacles in the market.
The neighborhood already has an abundance of hotels, and more boutique operations are coming. Virgin Hotels bought a vintage office building at 203 N. Wabash, the former IBM building is getting a luxury hotel in 2013 and the nearby Chicago Motor Club Building also is being eyed for a conversion to lodging.
Lagrange, who graciously spoke to me while on holiday in Paris, said he isn't involved with Chetrit this time. "He invests in buildings to collect the rents. Redeveloping the property would be way too risky for him," Lagrange said. Chetrit could not be reached.
The building, formerly the Stone Container Building, has been a Chicago landmark since 1996 and is part of a corner that's an open-air architectural museum. The Beaux Arts design of Alfred Alschuler opened in 1923 and sits on land that was part of Fort Dearborn. Its original name was the London Guarantee Building for the British insurance company that built it.
Old-timers will remember it as the former home of the London House restaurant and the studios of WLS radio when it pumped out Top 40 hits.
THREE'S A CROWD: The former IBM Plaza at 330 N. Wabash would seem to be on a roll. Following a renovation and a plan to bring a hotel into its lower floors, the building has signed two large office tenants and is negotiating with a third. But some brokers are wondering if the 52-story building has enough space to go around.
The association management company SmithBucklin Corp. in December took 111,000 square feet in the building in a move from 401 N. Michigan. The announcement followed by a couple of weeks the decision of the American Medical Association to lease up to 300,000 square feet in the building, which would be renamed AMA Plaza. Also, the building is negotiating a lease with the law firm Latham & Watkins LLP for about 150,000 square feet.
Several brokers said they doubted the building had enough contiguous space to satisfy all three and suggested the Latham deal is getting shaky. An executive at Prime Group Realty Trust, a part owner and manager of the building, declined to comment and Latham's managing partner in Chicago could not be reached.
Howard Ecker, the tenant broker who represented SmithBucklin, said Prime Group has had to move some current tenants but that everybody fits. He said office users have rediscovered the landmark, designed by Ludwig Mies van der Rohe, because it is built to standards that some newer towers cannot match. "It offers column-free space, and there are four banks of elevators instead of the usual three," Ecker said. Prime Group, Ecker said, "priced it right and they made the deals."
LINCOLN PARK LOG: It's a new year, but feelings are still raw over the decision by Fresh Market to pull out of a lease deal at Lincoln and Webster, where the grocer would have been part of a mostly residential rehab of the old Lincoln Park Hospital. Neighbors felt the grocer would bring truck traffic onto their sidestreets, and Mayor Rahm Emanuel and Ald. Michele Smith (43rd) brokered a compromise that would have kept most deliveries on busy Lincoln Avenue.
Fresh Market withdrew from the deal last month. Richard Zisook, principal of Sandz Development Co., said Tuesday that Fresh Market used an obscure clause to wriggle out of the deal, but he said he's not mad at the grocer. "I was double-crossed by Michele Smith," Zisook declared.
He said informants told him the alderman arm-twisted Fresh Market to get out. Smith said in response, "That's completely untrue. I had one conversation with Fresh Market during the negotiations and they seemed comfortable with what was going on."
INDUSTRIAL STRENGTH: The industrial market here revived in 2011, according to fourth-quarter numbers from Cushman & Wakefield Inc.
It said market vacancy declined to 9.8 percent at yearend 2011 from 11 percent the prior year. Cushman also said leasing activity rose nearly 11 percent during the year and that property sales increased.
In a separate assessment from Grubb & Ellis Co., the real estate brokerage ranked Chicago's industrial market as among the strongest in the country. Grubb & Ellis was not so bullish on Chicago in other property categories for 2012.
Nationally, Grubb predicted a continued "sluggish recovery" in commercial real estate and ranked the sectors, from strongest to weakest, as follows: multi-family housing, hospitality, industrial, retail and office.


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Are you tired of restless nights and waking up feeling more exhausted than before you went to bed? Look no further! In this article, we will delve into the world of mattresses, exploring the different types available and uncovering the secret to a truly rejuvenating sleep experience. From vacuum mattresses to vacuum pressed mattresses, and even latex mattresses, we will guide you on your quest to discover the perfect mattress that will have you waking up feeling refreshed and ready to take on the day. Say goodbye to tossing and turning, and say hello to ที่นอนยางพารา , blissful slumber. Join us on this ultimate dream of finding the ideal mattress that promises comfort, support, and a restful night's sleep.
Benefits of Vacuum Mattresses
Vacuum mattresses offer numerous benefits that make them an excellent choice for a good night's sleep. These mattresses are designed to be vacuum pressed, which enhances their convenience and practicality.
Firstly, the vacuum pressing technology used in these mattresses allows for easy transportation and delivery. By compressing the mattress, it can be conveniently rolled up and packed in a compact box, saving space and reducing shipping costs. This makes it incredibly convenient for those who may need to move or transport the mattress frequently.
Secondly, vacuum mattresses are known for their durability and longevity. The compression process used during manufacturing helps to improve the overall lifespan of the mattress. The reduction of air and moisture in the mattress prevents the development of mold and mildew, increasing its longevity and ensuring it remains fresh and hygienic.
Finally, vacuum mattresses are often made with high-quality materials such as latex, which offer exceptional comfort and support for a restful sleep. Latex mattresses are known for their excellent pressure point relief and temperature regulation properties. This ensures that you can enjoy a comfortable and undisturbed sleep throughout the night.
In conclusion, the benefits of vacuum mattresses, ranging from convenience and durability to exceptional comfort, make them a perfect choice for those seeking a high-quality mattress. Their innovative design and use of advanced materials ensure a good night's sleep, promoting overall well-being and rejuvenation.
Exploring Vacuum Pressed Mattresses
Vacuum pressed mattresses have gained popularity in recent years due to their innovative design and convenient packaging. These mattresses are specially compressed and sealed in a vacuum, which allows for easy transportation and delivery.
One of the key advantages of vacuum pressed mattresses is their space-saving nature. Traditional mattresses can take up a considerable amount of space, making them difficult to maneuver and transport. However, vacuum pressed mattresses can be effortlessly rolled or folded into a compact package, allowing for greater flexibility when it comes to storage and delivery.
In addition to their convenience, vacuum pressed mattresses also offer exceptional comfort and support. Despite their compressed state, these mattresses quickly expand to their full size once unpacked. Many vacuum pressed mattresses are constructed with high-quality materials, such as memory foam or latex, which provide a comfortable and restful sleep experience.
When considering a mattress purchase, it is worth exploring the variety of options available, including vacuum pressed mattresses. These innovative sleep solutions offer convenience, comfort, and a practical solution to the challenges associated with traditional mattress transportation and storage.
The Wonders of Latex Mattresses
Latex mattresses are truly a marvel in the world of bedding. Made from the sap of rubber trees, these mattresses offer a unique combination of comfort and support.
One of the key advantages of latex mattresses is their exceptional pressure point relief. The natural elasticity of latex allows the mattress to conform to your body, providing targeted support to your shoulders, hips, and other pressure-sensitive areas. This helps in reducing any aches or pains that may arise from sleeping on an unsupportive surface.
In addition to its supportive qualities, latex mattresses are also known for their breathability. The open-cell structure of latex allows air to circulate freely, preventing the build-up of heat and moisture. This promotes a cooler and more hygienic sleep environment, ensuring that you wake up feeling refreshed and rejuvenated each morning.
In conclusion, latex mattresses offer a unique sleep experience that combines optimal comfort, support, and breathability. If you're looking for a mattress that can provide a blissful night's sleep, a latex mattress may be just what you need.


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If you live in tornado alley, an area in the central U.S. where tornadoes more frequent, you may want to consider installing a safe room into your new home.
According to the Federal Emergency Management Agency (FEMA), a safe room is a hardened structure that is specifically designed to provide protection in extreme weather events, including tornadoes. FEMA has specific guidelines that these safe rooms are recommended to follow in order to be considered a tornado shelter. These guidelines include being able to sustain wind gusts up to 250 mph and pass a debris impact test missile hit of 15 pounds at a speed of 100 mph.
These rules save lives, which FEMA insists is an important reason why those living in tornado-prone areas should consider some type of tornado shelter in their home.
Underground Storm Shelters
This is the most common type of shelter and can hold many people, depending on size. Most underground shelters are installed into the ground within a few hours, and are made of a steel, fiberglass, or concrete. The Texas Storm Shelter Guy out of Sherman, TX. builds this type of underground storm shelter with a gelcoat interior, a fully weather sealed door that has been successfully impact tested, a six-point lock system, and non-skid steps for you to safely step down into the shelter. Their smallest model costs $3,650, while their largest, 20-person occupancy model is almost $7,000.
Above Ground Storm Shelter
Another common type of safe room is the above ground storm shelter. These shelters essentially do the same thing as an underground shelter, protecting you from wind and debris. Atlas Safe Rooms makes these above ground shelters, accommodating from three to 14 people. The Appolo Safe Room, which holds up to three people, is 4'5" wide and 2'5" deep with a 6'5" height. This particular storm shelter has multiple emergency exits, in case the door is blocked by storm debris. After installation, two wrenches are left inside the storm shelter so you can remove the bolts on any of the panels for an emergency exit. These shelters can also be installed anywhere a solid concrete slab is present, including inside a closet or in your garage.
Underground Garage Units
If you want an underground shelter, but do not want to risk going outside during a storm, an underground garage storm shelter is an option for you. TornadoSafe Certified Shelters out of Oklahoma City, OK. sells these underground garage shelters. Like an outdoor underground shelter, these have a door opening from the ground, and steps leading you down into the shelter. This shelter exceeds FEMA 321 and 360 requirements that includes impact testing, design pressure testing and uniform lead structural pressure testing. The smallest size underground garage shelter measured 3' by 7' by 4.6' and can hold up to seven people.
Bed Shelters
ACE Storm Shelters offers bed shelters that meet FEMA requirements and cost half the price of a traditional storm shelter. With your safe room conveniently under your bed, you'll have easy access to your shelter no matter what time of the day it is, and allows you to get inside your shelter early, before the storm hits. If you wait too long, it becomes dangerous to run to your shelter, especially if your shelter is outdoors. ACE Storm Shelters offers queen and king bed-size shelters.
How Do I Afford Storm Shelters?
The price tag is daunting, but the safety of you and your family is priceless. Search for your states Emergency Management Department website for available rebate programs. FEMA has a list of departments by state here.
Shannon Wilson is a former Digital Content Associate for Builders Digital Experience (BDX). Her main role was to create video content, write and edit articles for NewHomeSource.com and HomLuv.com. Shannon graduated from Texas Tech University in May 2014 with a bachelor's degree in Electronic Media and Communications.
Prior to her work with BDX, she worked at a newspaper in West Texas and at television stations in Omaha, Nebraska and Albuquerque, New Mexico. She was a multimedia journalist — or a one-woman-band reporter–meaning she wrote, shot, and edited all her own material.
Shannon is excited to be back in her home state. She enjoys traveling (she's been to 13 countries and counting!) and exploring the great outdoors Texas has to offer!


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Products - Auxiliary LightsFilter Products
More light is better. J.W. Speaker offers many LED auxiliary lights, including LED headlights, LED work lights and off-road lights to give you a burst of brightness when you need it most. Add these LED auxiliary lights to any vehicle to improve your visibility and to make you more visible to others. Engineered with a unique light beam patterns, these lights are the top choice for safety and efficiency.
J.W. Speaker designs and manufactures its premium auxiliary LED headlights, off road lights and LED work lights in the U.S. for aftermarket customers and original equipment manufacturers (OEMs) around the world.
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LED Handheld Work Light – Model 4416 3.5" Round Portable LED Hand Held Work Light - Black and Camouflage
Round LED Off Road Warning Light - Model Trail 6 Flash 3.7" Round LED Off Road Warning Lights


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UPR Intervention for Azerbaijan,
16th Session April 30, 2013
As delivered by Ambassador Eileen C. Donahoe
The United States welcomes H.E. Mr. Khalafov, Deputy Minister of Foreign Affairs and the delegation of Azerbaijan.
We commend Azerbaijan's positive steps, such as those to discourage violence against women and early marriage and the 2012 release of a number of individuals imprisoned for public expression of their opinions.
However, we are concerned by the continued incarceration of some journalists and democracy activists. These raise concerns about authorities' use of the judicial system to limit the rights of individuals to express themselves freely.
We also are concerned by undue government restrictions on freedom of peaceful assembly. Authorities only permit demonstrations at locations far from the center of Baku. Further, they deny applications for peaceful political protests without cause, detain peaceful demonstrators, and in one recent incident, forcefully dispersed an otherwise peaceful, if unsanctioned, protest. We are equally concerned by credible reports of harassment of lawyers seeking to represent clients who were detained following peaceful demonstrations.
We are further concerned by recently enacted legal restrictions on funding for civil society and continuing difficulties for NGOs seeking to register.
We recommend:
1. Release individuals incarcerated for publicly expressing their opinions and ensure due process for other detainees;
2. Permit peaceful protests to occur throughout the country, including in Baku city center, and fully investigate the allegations of harassment of legal professionals representing peaceful demonstrators; and
3. Work with the legislature, as well as domestic and international organizations, to amend legislation in order to promote a flourishing civil society.


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New at the box: Barbell Club!
Check out our new Thursday class: The 'Barbell Club'
From September 2016 on, coach Karl has introduced a new class in the weekly schedule: The 'Barbell Club'.
So, what's it all about?
Here an example from this weeks 'Barbell Club' focusing on "Jerk Work":
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