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Ultimate Spring Cleaning Checklist
Carver County, cleaning, cleaning checklist, clients, exterior cleaning, family, goals, Hancock Group, home buyers, home cleaning, home maintenance, interior cleaning, maintenance, minnesota spring, new home, Real Estate, Realtor, sellers, spring, spring cleaning, top real estate agents, your way home
Spring is upon us! In Minnesota, this means the snow has melted, the temperatures are rising and winter blues are quickly diminishing. While many feel the urge to start spring cleaning, it can be overwhelming, leaving you to do some surface cleaning, then throw in the towel.
Home maintenance can be even more daunting! Whether you've just moved into your house or you've been there for 30 years, it's so important to stay on top of it and follow a maintenance schedule. At the same time, we understand that it's HARD to remember what needs to be done and how often! If you're a first time home buyer, maybe you don't know what even needs to be done!
Well, we are here to help. As real estate agents, we know how important this seasonal upkeep is. If you stay on top of your home maintenance and decide to sell, potential buyers will be more likely to have a favorable first impression of your home. It could also help you avoid inspection issues! Who wouldn't want that?!
Use this home maintenance and spring cleaning checklist to help get you off on the right track.
Remember, not all of these tasks need to be done in one day, or even one week! Cross off items a little at a time. Start by committing to doing a few per week and in no time, you'll be ready to sit back, relax and enjoy the amazing summer days that Minnesota has to offer!


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Beman ICS Hunter Realtree Arrows 6-Pack with XPV Vanes
- Provides bowhunters with a flat, accurate, and hard-hitting impact
- Offers a hot look of Realtree® camo weave and advanced lightweight carbon
- Straightness: ± .003"
- Includes Microlite S Nock and CB Insert
- 300 (9.6 gpi), 340 (8.8 gpi), 400 (8.1 gpi), 500 (7.5 gpi)
- Manufacturer Warranty: Lifetime Workmanship Guaranteed
- Manufacturer Item Number: 326433|TF
Product Description
Beman has taken their legendary hunting arrow, the ICS Hunter, and tweaked the weight ratio for greater straightness, penetration and better flight. The ICS Precision Hunter features the S nock system combined with ICS carbon fiber construction for durability. The CB inserts help kill vibration for faster stabilization and superior down range accuracy as well as the penetration demanded by the modern archer. Serious archers deserve serious arrows. Beman knows you don't take your shots for granted, so why would they? Strength in construction. Durability in every shot. Precision straightness tolerances. Head to the field and the range this season with the ICS Precision Hunter for the North American bowhunter.
Note: Arrow nock color and fletching color on arrows is selected at the factory. All arrows within a single pack will be the same fletching and nock color combination. Depending on production runs colors may vary. Proper spine selection is the key to optimum arrow flight. For more information on selecting the proper arrow spine please select link below for the arrow spine selection chart. You will need to know the total shaft length of your arrow, the point weight that you will be shooting, and the poundage of your bow.

subset: commoncrawl


text: Mar 262019Which Stethoscope to Buy and Why | A Doctor's PerspectiveThey may be a cool fashion statement but stethoscopes have many uses aside from being a physicians right of passage. In today's episode of Dr Nora, I share with you which stethoscope I used during medical school, GP training and which I use today. I'll also be going through the pros and cons of the different models as well as sharing with you a few stories from my medical school days. COMPANION VIDEOSLearning anti-wrinkle injections: https://youtu.be/UBNzHvO_dFwConfessions of a Cosmetic Doctor: https://youtu.be/fz2u-3saAYwTaxes for new GP's: https://youtu.be/yzBhFEssC6ADoctor Plays 2 Point Hospital: https://youtu.be/N1AT7Mfd0x4WHERE TO BUYAmazon: http://vtudio.com/a/?a=littmann+classiceBay: http://vtudio.com/a/?e=littmann+classicThanks for watching and if you have any questions please don't hesitate to leave me a comment in the comments section below or pop by and see me in clinic.Take care and stay healthy.Dr Nora 💉Links to products often include an affiliate tracking code which allow us to earn fees on purchases you make through them.


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England skipper scores vital winner in Tallinn.
Read more:
Rooney England goal: Captain fires home free-kick against Estonia
SEE ALSO: best Premier League players 2014/15
Find out who are the richest footballers in the Premier League here.
Roy Hodgson's arrived in Tallinn off the back of two wins from encounters with Switzerland and San Marino but found their opponents hard to break down.
Though the away side had plenty of the possession their attacks tended to break down in the final third though England's cause was greatly aided by the dismissal of Ragnar Klavan for a second booking when he brought down Fabian Delph three minutes into the second half.
Klavan gets second yellow and subsequent red for stupid challenge on Delphi https://t.co/1iIdDETzTh
— GoalClips (@GoalClips) October 12, 2014
England took the lead when Wayne Rooney curled in a free-kick following a foul on sub Raheem Sterling just outside the box.
Goal! Wayne Rooney curls in free-kick to score opening England goal against Estonia https://t.co/dPrQKFDK7B
— GoalClips (@GoalClips) October 12, 2014


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If you are a traditional student attending college after high school, you may be overwhelmed with the new responsibilities. You have to start making adult choices. This isn't always easy, but it is done successfully by millions of students every year. Read on to learn some college advice.
If you are enrolled in courses and holding down a job, be realistic when setting your goals. If you are cranky in the mornings, maybe a harder early class is not the best choice. Be aware of your body rhythms and build your schedule around that knowledge as much as you can.
Become involved with extracurricular activities while away at school. The more activities that you participate in that reflect your various interests, the better your resume will look in the end. Try not to do more than you can handle while maintaining your grades.
Getting the appropriate amount of sleep at the right times is essential. When you are in college, it is easy to pull all-nighters for parties and classes and homework, but you need your rest. If you are not getting the right rest, you might not retain the information you need to and slip in your classes.
Catch the local transportation to your classes. You might discover the commute is not any longer than by driving. You can cut out the time normally spent on searching for parking spots. You will also save yourself money on both gas and parking passes. This is also a good way to do something for the planet.
The dreaded freshman 15 (which can easily expand to become the freshman 20) is a lot easier to avoid if you do what you can to limit your carbohydrate intake. Steer clear of sugary items and processed foods. For a healthy way to boost your energy, look for fresh fruits and vegetables or meals and snacks using whole grain. Protein is important, too, but you need other options.
It may seem best to buy books long before a class starts, but you may save some cash if you wait until the first day of each class. Some classes do not use the book at all. When it comes to online classes, this definitely rings true. You can often gather all of the information you need by following online readings and paying attention in your lectures.
One tip if you're having some financial trouble is to purchase used textbooks before going to college. Textbooks tend to be price, especially when you purchase them new. When you buy used you will save a lot of money.
The earlier you register for your college classes, the better. If you wait to the moment, you may miss out on a class you need. Once you've zeroed in on the course of your choice, don't delay in claiming your spot!
Don't buy your morning "cup-o-joe" from a cafe every day. It's just too expensive. Make your own coffee. Although you may be tempted to buy your morning cup of coffee to save time, it is best to save your money and make your own. A good coffee maker can be found quite cheaply if you take the time to shop around.
Take advantage of the campus library! The libraries on campus provide resources that can help you succeed in your classes. Also, you can speak with the librarian, who can give you advice on what you specifically require. Most libraries will contain a bulletin board for posting offers regarding the buying and selling of particular textbooks.
Take frequent breaks. Though study time is key, breaks are often just as crucial. For every 60 minutes you study, take ten minutes for a break. Make an effort to stick to the schedule you give yourself.
Making decisions about college is very challenging these days, even for a prepared student. You now find yourself responsible for every facet of life, but by applying the advice above, it is possible to develop a routine that facilitates rigorous study and even a bit of fun.


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What to Give a Loved one Struggling with Insomnia
It is estimated at over 10% of the American adult population have been diagnosed with chronic insomnia. You will appreciate just how important a good night sleep is when you stay for a couple of days without having anything close to a good night sleep. You will be very surprised at the sheer number of people in your circle that suffer from insomnia, but luckily, there are gifts you can have for them to keep them going. This you do by extending a thoughtful gift to them that will help with their condition. Read more to know the kind of gifts an insomniac will love and treasure forever.
You might want to look for the right essential oil products to gift to an insomniac person on your friend's list. Luckily, you will not have a difficult time finding the right essential oil products gift as the market has more than you can handle owing to their huge popularity today. You can also decide to make a customized essential oil gift for your loved one, and again the options here are limitless. You can always get your loved one a diffuser which you can avail from a retail website or even a box store near you. It needs no mentioning that your essential oil gift pack should contain the actual oils that will help induce sleep. These oils include lavender, cedarwood, bergamot, and the popular ylang-ylang. Further, you can decide to get them an essential oil customized gift such as a bergamot scented candle or a lavender pillow mist.
The other gift idea should be a bedtime care basket. Be sure to have a journal in the basket where they can write down their thoughts instead of getting distracted by their mobile phones. Your care basket for the night should also feature some herbal teas which are known to induce sleep. You can read more about lavender, chamomile, and valerian root as some of the best-documented sleep time tea mixes.
Your third choice of a gift would be a sleeping gear and who wouldn't want to get some jammies as a gift? Be sure you learn more in regards to sleep masks so you can have an easy time choosing the right one. These are just some of the many sleep ideas that can help your loved one manage their insomnia, and of course, show just how much you care.


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Bomb Vol.2 Basslines WAV MiDi-AUDIOSTRiKE8 December 2014
Bomb Vol.2 Basslines WAV MiDi
AUDIOSTRiKE | 09/12/2014 | 12 MB
'Bomb Vol.2 Basslines' a is brand new compilation. These MIDI & WAV loops were made for producers looking for massive melodies that can move the crowd! These perfectly made basslines are really breath-taking, so prepare for producing songs for truly massive events. If you want to shake all clubbers you need to improve your basslines. Party Design wants to give you everything you need to do it! With this pack you will find 32 MIDI + 10 WAV loops to create your own banger!
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- Recently the Cabinet introduced to the Verkhovna Rada a draft law "On regulation of urban development, and Deputy Prime Minister Sergei Tigipko called it revolutionary. So whether this bill is revolutionary, as it represent?
Related article: In Ukraine the number of sales transactions of real estate fell by 50%- I would say that this bill - a natural consequence of several years of trying to hear intelligent people who have experience in construction and who have an understanding of how the licensing system in the building in an urban area and elsewhere in the world. Anyway, this state was concerned.
Until recently it was a Town Planning Code, but he, like most Ukrainian codes, unfortunately, those are essentially was not. This was simply an attempt to topple into a single document all the laws that one way or another, regulate the construction and urban development. No innovation was not there.
In the latter, "Mirror of the Week" was an article about the other code, tax: "Thank you, that is almost as good ... But where is the tax reform?". And planning codes, which until recently was in one way or another version of the committee BP, just the same case: maybe no worse than it was, but no reform there. If the bill on the regulation of urban development will be adopted even in this form, as it is made, we need the Town Planning Code in his understanding, which put the previous developers, will disappear.
- What is it fundamentally new?
- This is probably the first systematic attempt to understand that non-system development of the area - it's bad. And to control this development is impossible if there is no single planning documentation. The Act is divided into large blocks, each of which defines a strategy for reforming some related industries.
If we talk about planning documentation, it is certainly the basis for urban planning - is the presence of master plans at least localities. Developers remembered such a thing as zoning (documentation, defining the conditions or restrictions on the use of a territory for urban purposes - BRIDGE-Kharkov ").
Determined that the areas for which no a master plan at all, in principle, to engage in investment activity is not necessary because it would not be correct and systematic. There is also an apparent revolutionary innovation concerning the fact that councils should not deal with land allocation, and their executive bodies.
- But few remember that once and it was ...
- Yes, once it was, there is nothing revolutionary in this.
- Same Tigipko, speaking of the revolutionary project, talks about reducing the number of licensing procedures from 93 to 23, and that the deadline for receipt of all necessary permits reduced from 415 to 60 days.
- Well, this is a controversial thing ... From a formal point of view - yes, there will be less, but as will be the case? .. The executive bodies always, in all areas, and this is no exception, are doing everything possible to maximum power reserve. And the consequence of a new order of admission to operation was a simple harmonization of local government. And then the local authorities have come up with a procedure of matching a number of procedures that the number of signatures has become only more and better in fact, nobody died. But someone put a tick that had 20 signatures, but now the only one! Therefore, the number of actions - is a controversial thing.
Here is an outdoor public city planning, and inventory, which provides for a bill - is, in my view, really to face revolutionary.
Now, when you want to build up some sort of plot, I tell you: Develop, please, urban planning study. This is such a low level of planning documentation, which attempted to compensate for the absence of higher levels.
That is, when there is no detailed plans for the territories, there is no master plans, no zoninga and build something needs to be, we must take this plot, draw and once to describe the object that you build. And, in principle, still want to have you as a developer, it was still an understanding that should happen around. So, about that around, was and remains closed.
In 2004, we have not yet even being in any association, going two or three times with colleagues and wrote Vladimir Shumilkin, Mayor of Kharkiv, writing about what it would be nice to oblige the agency planning and architecture in the design to give you raw data that the neighborhood - which objects are planned, what altitude, what purpose, etc. And now, finally, come to this.
It's really a revolution, because if it is town-planning cadastre, the city will be at a glance: you can go to any open-source and see what it can do, or what it can do, or that there is already someone doing it . The law so provides. The question is how will it be implemented. How much money will be allocated to it? Who? As far as this person is competent?
- And how much it might cost?
- I can not even imagine. To begin with - the development of quality software. It's probably some hundreds of thousands UAH - probably. And then? This same database will need to fill, and it rested in the fact that, somewhere not have a scanner, somewhere there is no e-mail, but somewhere there is no PC ...
Therefore, there is a risk that it will not be done for the year as the bill provides. True, the Georgians have done it quickly enough, but they and smaller countries. Perhaps we should begin at least in big cities do it: Kiev, Kharkov, Donetsk, Lviv.
- For the basis the Georgian model?
- I would not say so. Georgians also has his own law is not sucked from the finger, and also studied the experience of American, European. In this project, to some extent reflected the aspirations in the field of urban planning and an understanding of how it should be. But from my point of view, he still nedorevolyutsionen.
- Why?
- First, there are a lot of links to central authorities in the field of urban planning and architecture, I mean the current Minregionstroy. That is, the farther the Ministry should adopt a whole slew of decisions to develop a whole slew of regulations and decisions of the Cabinet of Ministers. This is the biggest problem: on the stage by-laws are often radically twisted happens all the ideas laid down by law. So anything that can be described by the law, it is better to describe the law than by Cabinet.
The same rule to begin construction in a declarative manner, if we are talking about buildings first to third category. On the one hand - this is a tremendous step forward, on the other - the question, what would be the first and third, and that - in the fourth fifth. From this very much will depend.
Today's category is contained in state building codes, there is so much nonsense - it's just amazing! For example, an office and administrative center - is the third category, and business center - is the fifth. Why??
- And how you can take the law if it is recorded that the beginning of construction of buildings first to the third category - in declarative principle ...
- Then there will be war, because of which category!
- ... And it turns out that the first-third categories is not something that they had in mind when you voted for the law?
- And we do not know what they meant, that's the thing! Therefore, from my point of view, the categorization should be enshrined in law, the law should contain an exhaustive list of criteria. Lest there be, as the list in the order of the Cabinet for Environmental Assessment, there are listed many items, but in the end it says "as well as other objects at the discretion of the local authority environmental security." And these other places is all anything. So it is here.
Should be very clear list. It is time. And two. Nedorevolyutsionnost project is precisely in the fact that if they "went to a spree, it is necessary to cut the last cucumber. I believe (and it's not just my opinion but the opinion of many colleagues, and the same inspection of state-of the architectural control), which is a declarative principle of the start of construction could be generally extended to all sites. It will not make anyone worse, but it would deprive the developer having to go through a whole slew of complicated procedures and draw up a bunch of papers.
If I - a law-abiding property developer, and I know that I was to start building, you must have a project that complies with the rules and regulations, I will first develop the project, and then I'll build! Should be a draft, signed an architect and civil engineer, who must be members of the Chamber of architects and engineers, and this is the one and only guarantee that I - a normal developer.
And the fact that now many construction projects taking place without the project, since it depends only on personal ties and all. So let's put all on an equal footing! Do not have any expertise! If some body have a feeling that it is necessary to conduct any examination of this project, first of all, this should be interested customer.
Because the customer - is the next link, which is responsible for translating, for compliance with project outcomes. And in this - too nedorevolyutsionnost: No such expertise anywhere in the world in general! There is a special examination for special objects, who are appointed special solutions, as a rule, customers themselves, or municipalities, or government. This is a worldwide practice.
It is unlikely that an object that can represent a particular danger, such as nuclear power plant, will build a private client. And if building the state and on the budget, then perhaps it may order the examination of himself. Therefore, maybe it should be left to some function of state examination, but limit it to only those objects which involve cost money.
No, all sorts of policies, the same MP Orobets, act that abolished the environmental and sanitary inspection, and will now build the factories, cutting down forests, parks and everything! Yes, this is nonsense, because the principle of declarative and lack of expertise is not exempt from the laws. If the law says that in the recreation building is impossible, it can not be built regardless of the environmental assessment is needed or not. And if you start to build there a declarative way, then you should be arrested and imprisoned, but did not write the law just nonsense!
- But how to control that for the construction of no value for those who do not know how to build it? That then all is not valilos and people were dying?
- It is my deep conviction that there can be a civilized market, if not there will be self-governing institutions in the construction. Following the draft law "On state regulation of activities" from the depths of Minregionstroya out a bill on AMC - self-regulatory organizations. I do not like this term because he is from my point of view, is fundamentally wrong. Self-regulatory organizations - is when we need something from inside themselves to adjust, and we regulate. A professional self-government implies that there is occupation, there are members of the profession, and they create a regulatory mechanism within the profession - once, and the mechanism of the relationship with adjacent sectors - two.
On this we wrote in a review of the bill on SRO. The fact that there was no talk of that building who are horrible, an urgent need to introduce the concept of professional self-government. Introduced with the participation of Minregionstroya practice individual certification of architects and engineers can and should become the basis for the creation of a single Chamber of Architects and the Chamber of Civil Engineers with the maximum number of delegated state powers in controlling the activities of the industry and a clear division of authority between the government and professional organizations Ministry.
In this very important principle of mandatory participation of architects and engineers in the regional offices of the Chamber of Architects and the Chamber of Engineers and the admission to the conduct of business enterprises that meet the clear and exhaustive list of requirements related primarily to personal professional liability of experts from the Chamber attracted to such enterprises on the basis of labor laws. The same House shall keep a register of economic entities.
That is, I as a director responsible for financial and economic activities, and for professional activities, the quality of work must still be responsible and professional. And what he will be responsible? Freedom and the opportunity to continue their professional activities. Because if something suddenly happens and it is proved that it was his fault or negligence, then he should lose the right to engage in professional activities, it should be deleted from the registry - that's all.
Now, as for the examination. Today, expert features are different ministries such as MOH, MOE, Energy Saving Committee, Ministry of Environment, - everyone has the experts, they all want ekspertirovat. During that receive money: formal, informal - whatever. But the responsibility does not bear any one!
If something happened, and I'm an architect, I'm supposed to blame, because I was supposed to be designed in accordance with the rules and regulations and put his signature. Under each drawing sheet has a signature and the signature architect design engineer. And if something is wrong - not their responsibility, because it was still the same examination. The experts did not say that I'm wrong, that there may have been counted at all something to alter. It turns out, experts blame? And they say: may the contractor is to blame? Who are the judges? But when there is a professional self-government - that they and the judge.
I, as a customer should have the right to hire an independent expert, a licensed professional self-organization, and get his opinion. If he wants to, God forbid, keep this advice to someone scores, he runs the risk that the expert opinion will be the subject of another review, and then - the court.
Because the organization of professional self still exist and the courts. For example, in Germany, all cases related to the construction by the courts of general jurisdiction, in which one of the judges necessarily represent an organization of professional self-government in urban planning or architecture. This is such a complex, but very logical system
We kind of like going through the same way, but we go originally: Now let's certificate Nada, and professional self-government - then, maybe, someday ... But we must understand if there is no self, then the penny price will be for all the certificates and responsibility. But about the professional self is said exactly two words in the bill. Therefore, another document that will regulate the market is the law of self-government in the construction.
- Besides, what else is missing to this law, that it's wrong?
- We believe that the period of construction no rent should not be. If I give the land for construction - is not hire, I can not return the land to its original form. Why do we close our eyes and call it a lease? This contradicts the nature of the concept of "rent."
If the land belongs to the municipality, there superficies - an excellent procedure that was invented by the ancestors and recorded in a special chapter of the Land Code, consisting, unfortunately, because of one article. From my point of view, could and should have been recorded in the Act - order of transfer of land: superficies for the construction period, and then - or long-term lease or purchase sites, if appropriate.
- Tigipko said that if the law is adopted in this form, the residential real estate will become cheaper by 20-30%. This figure is real?
- I think not. After all, we are talking about? We're actually talking about bribes associated with obtaining a building permit. But I do not think that here the main dog fumbled. Dog rummaged in the other. As long as these procedures are as they are, almost impossible, as a developer, to get money from the bank because the bank does not understand how he control the process.
There is a worldwide practice - SPV (special purpose vehicle - "project company" created to implement a project or for a specific purpose - BRIDGE-Kharkov), ie, creates a zero company that gets the right to development of a territory, then corporate rights of the company, its own balance sheet.


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Did I ever get lucky! I knew I would be away all afternoon so I decided to set the camera up at the entrance to one of the swarm traps. It isnt every day I catch a swarm. And then there are four traps so the odds are that even if I catch one theres only a one in four chance Id have the camera at the right one. Four hours compressed into less than two minutes. I think it was an awesome stroke of luck!
PS this one goes to swarm commander.


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Published on March 5, 2014
Author: LearnMoreAboutClimate
Source: slideshare.net
Attribution of Extreme Weather Events Webinar March 5, 2014 4:30 pm MST Dr. Stephanie Herring NOAA Climatic Monitoring Division Dr. Martin Hoerling NOAA Earth System Research Laboratory Dr. Anne Gold Cooperative Institute for Research Environmental Sciences Deb Morrison University of Colorado Boulder Produced by Kit Seeborg, LearnMoreAboutClimate.org Broadcast from ATLAS Institute, University of Colorado Boulder
Questions? email@example.com Background Info and Links: http://ow.ly/uhaY6 Twitter @CUclimate #climatechat
What is Extreme Weather?
Extreme Weather is in the Fabric of Earth's Atmospheric Circulation
Extreme Weather is not Necessarily the Same as Extreme Events
What is an Extreme Event?
NATI O NAL O CEAN I C AN D ATM O S PH ER I C ADM I NI STRATI O N What are 'extreme events'? NOAA uses a broad definition Meteorologically Rare AND/OR High Impact "Extreme events are those that rarely occur at a given location or have significant impacts on society or ecosystems." 7
Extreme Values (or Events) An extreme value (or event) can be thought of as the smallest or the largest value in a sample of observations There is great interest to know if, and by how much, the probability of extreme values (or events) is changing over time.
Why is it important to understand extreme events and their change?
NATI O NAL O CEAN I C AN D ATM O S PH ER I C ADM I NI STRATI O N The Nation Is Conscious of Extreme Events because of Impacts U.S. Billion-Dollar Weather and Climate Disasters: 1980 – 2011 Drought and Heatwaves Hurricanes and Tropical Storms Winter Storms and Crop Freezes Flooding Wildfires Severe Local Storms Figures: NOAA's National Climatic Data Center
How Do we Know if Extremes are Changing?
NATI O NAL O CEAN I C AN D ATM O S PH ER I C ADM I NI STRATI O N Observational Record • NOAA archives the nation's climate data and information about observed extremes at the National Climatic Data Center. – http://www.ncdc.noaa.gov/climateinformation/extreme-events • Modeling can also tell us about changes we expect in the future. 13
Extreme Values of Atmospheric Carbon Dioxide Concentration
Extreme Energy Input to Earth's Surface
Extreme Heat Content of the World Oceans
Extreme Values for Ocean Acidity ~1/3 of emitted carbon dioxide dissolves in the oceans (pH less than 7 is Considered "acidic")
Extreme Values of Global Mean Surface Temperature
An Extreme Value of Arctic Sea Ice Extent
How Do we Determine the Effect of Human Influences on Climate and Extremes?
Simulated Global Temperature with and without Anthropogenic Greenhouse Gas Forcing
Simulation of the Future Change in Global Temperature, Assuming Emissions Scenario
Are Extreme Events Changing over Time, and if so Why? 23
Extremes & Climate in Context IPCC AR5 WGI Chapter 2 • "Overall, the most robust global changes in climate extremes are seen in measures of daily temperature, including to some extent, heat waves. Precipitation extremes also appear to be increasing, but there is large spatial variability" • "There is limited evidence of changes in extremes associated with other climate variables since the mid-20th century" 24
2013 IPCC AR5: Synthesis on How Extreme Events Have Changed, and Will Change
Can Individual Events be Attributed to Climate Change? 26
Intensity vs. Frequency • Attribution studies can look at two questions: – Did climate change make this event more likely? – Did climate change make this event more intense? • The answers to these questions can be different. Climate change can influence an extreme event's intensity and frequency. 28
Communicating an NATI O NAL O CEAN I C AN D ATM O S PH ER I C ADM I NI STRATI O N Evolving Science • We finally get reporters and politicians to repeat our mantra: – "You can't attribute any single event to global warming" • About the time that the science of event attribution was moving on. – It is now widely accepted that attribution statements about individual events are possible, provided proper account is taken of the probabilistic nature of attribution The role of human-caused climate change can be evaluated for some specific extreme events. 29
NATI O NAL O CEAN I C AN D ATM O S PH ER I C ADM I NI STRATI O N In Response to Considerable Interest in the Topic NOAA (Herring, Hoerling& Peterson) and UK Met Office (Peter Stott) co-led the development of annual BAMS report, Explaining Extremes from a Climate Perspective. 30
Why do attribution science? • Public Interest • Adaptation Strategies • Improving Predictions • Understanding 31
What is your perspective on communication of science knowledge about extremes to the general public? 32
References • IPCC SREX report: http://ipcc-wg2.gov/SREX/ • IPCC AR5: http://www.ipcc.ch/report/ar5/wg1/ • NOAA State of the Science Fact Sheets (extreme events fact sheet coming soon): http://nrc.noaa.gov/CouncilProducts/ScienceFactSheets.aspx • NOAA's National Climatic Data Center: http://www.ncdc.noaa.gov/climateinformation/extreme-events • Explaining Extremes from a Climate Perspective: • 2011: http://journals.ametsoc.org/doi/pdf/10.1175/BAMS-D-12-00021.1 • 2012: http://www.ametsoc.org/2012extremeeventsclimate.pdf 33
Webinar: Extreme Weather Mitigation & Resiliency to Climate Change Kathleen Tierney, Ph.D. and Kevin Trenberth, Ph.D. April 16, 2014 4:30 – 6:00 PM MDT Register: https://extremeweatherwebinar.eventbrite.com
Attribution of Extreme Weather Events Webinar March 5, 2014 4:30 pm MST Dr. Stephanie Herring, NOAA Climatic Monitoring Division Dr. Martin Hoerling, NOAA Earth System Research Laboratory Dr. Anne Gold, Cooperative Institute for Research Environmental Sciences Deb Morrison, University of Colorado Boulder Produced by Kit Seeborg, LearnMoreAboutClimate.org Broadcast from ATLAS Institute, University of Colorado Boulder email@example.com
Download a PDF of "Attribution of Extreme Weather Events in the Context of Climate Change" by the National Academies of Sciences, Engineering, and Medicine ...
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Climate change: Attribution of extreme weather. Friederike E. L. Otto 1, Journal name: Nature Geoscience Volume: 8, Pages: 581–582 Year published: (2015)
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In this interactive panel discussion, the scientists will discuss what characterizes an extreme weather event. They also will explore how scientists ...
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by Judith Curry The National Academies has published a new report: Attribution of extreme weather events in the context of climate change. The authors of ...
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ATTRIBUTION OF. Extreme Weather Events. IN THE CONTEXT OF. Climate Change. Committee on Extreme Weather Events and Climate Change Attribution. Board on ...
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1 Attribution of Weather and Climate-Related Extreme Events Peter A. Stott1, Myles Allen2, Nikolaos Christidis1, Randall Dole3, Martin Hoerling3,
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Print this Page. Attribution of Extreme Weather Events in the Context of Climate Change (2016)
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Extreme event attribution studies also have scientific value. They offer climate experts a chance to test and improve how their models simulate different ...
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Some of the extreme weather events from 2014 in which climate change could have played a role.
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The science of attributing extreme weather events and its potential contribution to assessing loss and damage associated with climate change impacts
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The 7 Most Popular Hosta Plants Discussed
When it comes time to decorating your landscape, hostas are one of the easiest plants to grow. They will thrive and flourish just about anywhere without much attention needed. However, things can get a little bit trickier when you are trying to decide where to put them among other plants. They will look amazing growing next to certain flowers, but when placed with others, they don't look quite as stunning. You should also consider the size of the spot you want to fill, and choose the hosta plant type accordingly.
Before going out and buying any specific variety, learn about what the most popular types are, and how they will look in your existing or future flower beds.
Undulata Medio Picta Hosta
If you're looking for an edging plant or one that you can plant in mass quantities, the undulata medio picta is the right choice. These were formally called Variegated hostas. They are 14 inches high and 24 inches wide, so small enough for little garden bed, but big enough to cover larger areas if several are planted together. The leaves are white, and the borders are green. What's unique is that green color streaks through towards the middle of the blade giving them an enjoyable appearance. There are pale lavender flowers that are a funnel shape bloom in the mid-summer to complete the plant.
Guacamole Hosta
If you're looking for a hosta with a great fragrance, the Guacamole hosta is what you want. The leaves are a Granny Apple green at the start of the season, but as time goes on, they turn to an almost golden color. Surrounding the edges of the leaves is a dark green shade that makes them really pop out of their surroundings. In late summer white flowers will bloom out from the large plants. They are large too, growing to be two feet high and four feet wide. It's one variety that you really can't go wrong with.
Fire Island Hosta
A Fire Island hosta gets its name from the pale yellow leaves that turn to chartreuse with red stems while coming to their peak growth. The plants are 14 inches high and 24 inches wide. The flowers that bloom in very late summer are a tubular shape and lavender in color. They look great sitting up on top of something like a retaining wall because it gives the ability to see the bright red stems. With a shiny, rippled, and seer suckered foliage display like this, it's one that tends to turn heads. They are stunning enough that they can stand alone and do just fine.
Blue Mouse Ears Hosta
These are one of the smallest versions of hostas that you are going to come across, and that's what makes them popular for working in little areas. There only about 6-inches tall and a foot wide at their final stage. They form clumps of thick, rounded leaves that are somewhat cupped. The leaves are blue-green and in mid-summer violet flowers will come out. They work extremely well if you have a shaded rock garden or if you're just looking at filling in some bare spots with something small and simple.
Brother Stefan Hosta
The foliage on a Brother Stefan is unique with a gold center and a dark green border. It's a thick plant that grows over two feet high and six feet wide. The entire thing is wavy, ovate, and corrugate. The flowers that bloom in the early summer are white, so they go with just about any other kind of vegetation. You aren't going to need very many of these if you have a smaller area you're working with. On the other hand, if you want to cover a large spot without planting tons of individual foliage, this is the perfect solution.
Golden Scepter Hosta
If you have a lot of dark colored shrubs or flowers, this is the hosta plant that you're going to want to put in the ground. They contrast extremely well together. It's a fast-spreading plant, so it works great if you want something that's going to cover the ground quickly. They grow about a foot high and two feet wide. The leaves of the Golden Scepter hosta are yellow, and flowers will bloom in a deep purple color later on in the summer season.
Pathfinder Hosta
In the late summer, this variety will bloom lavender flowers on 30-inch scapes. When deciding what other flowers or plants to put around it, you'll want those that coordinate well with the color purple to get the best visual appeal. One grows to be about 16-inches high and 24-inches wide. You can expect this version of the hosta to hold up extremely well all season long.


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- Details
The Why Don't We Rugby Longsleeve here is a custom made colored longsleeve. 100% Cotton. The design features the band name printed across the front.
Please visit our FAQs page to see if your question has already been answered.
There is a link to our contact us form at the bottom if you still need your question answered.


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Possibly the best "Contact Us" experience for your small business.
The MightyCall Contact page enables you to connect your web visitors & their requests directly to all of your business, not just to an email account. Centralize, delegate & ensure follow-up of your customer requests with MightyCall.
Available in the US and Canada markets.
MightyCall Contact Page At-a-glance
- Adopts the look and feel of your theme and looks very natural in your design
- Includes your business name, address, phone numbers, emails and business hours
- Generates a Google map of your office's location
- Optimized for mobile devices
- Builds directions for those who are on the way to your office so they can estimate the time of arrival, taking the traffic into consideration
- Allows you to show images of your building, location, parking, etc. in a photo carousel
- Includes Social Media buttons to make it easy to find you on Twitter, Facebook, Google+ or LinkedIn
- Downloadable vCard allows visitors to easily add your business to their contacts
- No programming! Simply add it as a contact page or use a shortcode or widget on existing pages
Plus more:
- Integrated click-to-call lets visitors instantly call your business from their computer at no charge to them (30 minutes included)
- Contact form makes it easier for your clients to request a callback or email reply
- Centralized Activity Queue collects all client requests, tasks and interactions in one feed
MightyCall Contact Page is managed through account on MightyCall.com. To get an account, register with MightyCall. After registration you can get all benefits from MightyCall's business phone service with local, toll-free or international business numbers and texting capabilities.
Configure Your Contact Form Easily in a Visual Editor
Configure your MightyCall Contact Page in just a few clicks. With the free MightyCall visual editor, you can turn on and off blocks on your contact page, specify your company name, business hours, address, contact information and upload images to show them on your contact page in a carousel. All changes you make in the visual editor are immediately available wherever your contact page is displayed, including your WordPress website.
Add Email, Callback, Social Media And Even Direct Calls Support
Allow your website visitors to contact your business with no friction!
MightyCall Contact Page brings together a selection of the most popular communication channels including email, callback and email request, social media links, and voice calls available directly from your website. Your clients can pick the most convenient channel for the moment whether they are in the office, at home or even walking down the street.
Add Business Phone and Text Capabilities!
Whether your customers are all over the US and Canada, or closer to home, MightyCall has your number. We offer toll-free numbers (1-800/1-888) with any of our paid plans and have local US and Canadian numbers for any area code. To make your number more memorable for clients, how about a vanity or custom number featuring your business name, a catchphrase, or just something easy to remember? We have thousands of numbers that will work for you and your business.
Also MightyCall lets you send vital, short information via SMS/text message from your smartphone or PC. The Business SMS feature (text messaging, texting) allows you to send and receive text messages from and to your MightyCall local (non toll-free) business number. Recipients can reply via their native SMS.
Business phone and Text features require MightyCall subscription to a "Standard" or "Ultimate" plan.
MightyCall Activity Queue
MightyCall allows you to track different types of activities. These include (based on your plan): missed calls, callback and email requests, to do items, missed calls, voicemails, Twitter and Facebook mentions and SMS (text messages). You would be able to see all of these Activities at the MightyCall Activities section, and MightyCall will take care of how long should it take to react to each of them. You can add notes, assign follow-up to your team members and make sure that every request is followed through.
For more information, visit the Plug-in page for the MightyCall Contact Page, email us at firstname.lastname@example.com or give us a call on +1 (888) 256-8312, +1 (888) 550-7272.
Plugin Installation for WordPress
- Go to your WP Admin Panel -> Plugins -> Add New
- Under Search, type in "MightyCall", click search
- In the search results locate the listing for "Contact Page with Click to Call by MightyCall" then click "Install Now" to install the plugin.
- After the plugin installation has completed, click "Activate".
- To setup the plugin, click on the "MightyCall" tab that is now available on your left side bar
How do I create a Contact form?
- The Contact form is created using the Visual Page Editor on the mightycall.com website. You link the form to the plugin via the provided MightyCall ID.
- To get your MightyCall ID signup for Standard or Ultimate toll-plans at https://secure.mightycall.com/.
- Log into your MightyCall account and complete basic configuration of the Contact form found by clicking on the "Web" menu item.
- Click on the "Get Widget Code" button on the top of the screen Contact Us Page editor screen. Click on the tab for "Wordpress Code" to reveal the ID. Click on the "Copy to Clipboard" button.
- Return to your WP admin panel and click on the MightyCall tab. Within the MightyCall plugin settings, specify the ID and click "Save Changes".
How do I use the sidebar widgets?
- To install a sidebar widget to the website open the Appearance, Widgets section of the your WordPress Admin Panel
- Select the type of the widget you would like to use and drag and drop it to the sidebar panel
- Click "Save" button to apply the changes
- How do I add a Contact form to a new page?
- To add the Contact form to a new page open the MIghtyCall plugin settings, select "Add a new contact page" option and click "Save Changes".
- How do I add a Contact form to an existing page?
- To add the Contact form to an existing page paste the [MightyCallReact] short code into the page source code which is available under Pages section of the WordPress Admin Panel
- The short code can be also grabbed from the plugin settings page by clicking on the "grab a short code…" option
- What is the styles inheritance feature?
- You can apply your website theme styles to customize your embedded Contact form
- To enable this feature, open the plugin settings, select "Apply website theme styles…" option and click "Save Changes"
- Please, note, that this feature may not work correctly for all of the WordPress themes; if you see the form rendered incorrectly, revert to the original styles
There are no reviews for this plugin.
Contributors & Developers
"Contact Page with Click to Call by MightyCall" is open source software. The following people have contributed to this plugin.
Translate "Contact Page with Click to Call by MightyCall" into your language.
Interested in development?
Browse the code, check out the SVN repository, or subscribe to the development log by RSS.
- Plugin icon added
- Bug fix
- WordPress Id field should accept email also
- Bug fix
- Rebranding and bugfix
- Click-to-call button now initiates a call through your native smartphone dialer
- BugFix: applied json_last_error() workaround
- Sidebar widget localization
- Fixed plugin settings page icon
- Added diagnostic message when MightyCall ID verification fails
- Initial plugin version


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ATRON exhibits at RPA meeting, two technical days organized by the French Radioprotection Society on 6th and 7th November 2018, and met a great success!
The French Radioprotection Society organizes two technical days on the occasion of the eleventh days of Radiation Protection Advisers.
This event was the opportunity to discuss developments in the organization of radiation protection as well as on various technical aspects presented throughout the conferences. ATRON took part in the technical exhibition, with the main actors of radiation protection.
On the stand, the model and our experts explanations met a great success! Thank you to everyone who came to visit us.


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Throwback Thursday: Contemporary Church Architecture
This week we look back to 1996 when Noel was awarded a Regional Commendation by the RAIA for the design of St Mary's Anglican Church, Tewantin.
St Mary's Anglican Church was designed in response to an existing Noosa parish selling its site for a commercial use together with a large donation from a parishioner. This gave the parish the opportunity to replan a new facility which included a worship centre with a side chapel, a Sunday school, church offices, vestibule and full kitchen.
The planning configuration allows for many different arrangements. Large services are accommodated by moving vertical sliding glass walls. This permits the worship centre to expand into the breezeways in two directions. The bell tower accommodates an antique bell which was donated. The main worship centre is covered by a vaulted roof cut at 45 degrees which delivers light edges to the roof and a sculptural internal ceiling space which is lined with hoop pine plywood. The breezeways deploy a structural steel frame to support the curved colour bond roofs. Full length louvre ventilators draw cross breezes through the building giving excellent natural ventilation.
St Mary's Anglican church holds contemporary services at 9:30am on Sundays with music and a modern vibe and can be found at http://anglicanchurchnoosa.org
https://www.facebook.com/anglicanchurchnoosa/ shows recent images of the interior of the church.
Have you ever visited or worshiped in St Mary's Anglican Church? We'd love to hear your thoughts on this building. If you'd like to know more about other cultural projects that Noel and the team have designed, visit this page.


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Certified Nursing Assistant PCA Acute Rehab
Banner Health
Department Name:Acute Rehab-R3 & R5
Work Shift:Day
Job Category:Clinical Care
Great careers are built at Banner Health. We understand that talented health care professionals appreciate having options. We are proud to offer our team members many career and lifestyle choices throughout our network of facilities. Apply today, this could be the perfect opportunity for you.
Our Acute Rehab (R3 and R5) is a 68 bed unit that specializes in the area of adult rehabilitative care within one of the two CARF accredited facilities in our valley. Our facility is located on the campus of Banner University Medical Center-Phoenix. Interdisciplinary services offered include speech, occupation and physical therapy, provisions of supportive therapies and a focus on Rehabilitative nursing. Our nursing staff cares for a variety of clinical diagnosis including neurovascular disorders, musculoskeletal disorders, trauma, and individuals with left ventricular assistive devices (LVAD.) We are often displayed throughout the facility and the system at large as one that brings forth best practices and clinical driven expertise to every individual that crosses our threshold: whether it is patients, their family, staff or general guest.
This is a full time (36 hours/week) day shift position: 6A-6:30P (self-scheduling). Weekend rotations are required in this role. Enjoy a flat rate $1/hour weekend shift differential and an 18%-night shift differential when applicable.
Your pay and benefits are important components of your journey at Banner Health. Banner Health offers a variety of benefits to help you and your family. We provide health and financial security options so you can focus on being the best at what you do and enjoying your life.University Medical Center Phoenix Banner - University Medical Center Phoenix is a nationally recognized academic medical center. The world-class hospital is focused on coordinated clinical care, expanded research activities and nurturing future generations of highly trained medical professionals. Our commitment to nursing excellence has enabled us to achieve Magnet(tm) recognition by the American Nurses Credentialing Center. The Phoenix campus, long known for excellent patient care, has over 730 licensed beds, a number of unique specialty units and is the new home for medical discoveries, thanks to our collaboration with the University of Arizona College of Medicine - Phoenix. Additionally, the campus responsibilities include fully integrated multi-specialty and sub-specialty clinics, and with a new $400 million campus investment, a new patient tower and 2 new clinic buildings will be built.
|Patient Care Assistant PCA Medical Surgical Ortho Spine
|Mesa, Arizona
|Banner Health
|6 Days Ago
|Patient Care Assistant PCA Medical Surgical Ortho Spine
|Mesa, Arizona
|Banner Health
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|Certified Nursing Assistant PCA
|Sun City, Arizona
|Banner Health
|1 Week Ago


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Don't Miss
LSG hanging with the Lombardi finalists!!!
Updated: December 7, 2007
Monday and Tuesday of this week, "The Eagle" Ronald Oswalt and "The Bandit" Chris Doelle hung out with finalists for the Lombardi Award. It was a great day for football in Texas.
(Ronald Oswalt, Glenn Dorsey, Chris Long, Jake Long, Chris Doelle, James Laurinaitis)
What are your thoughts?
You must be logged in to post a comment.
← Previous Story LSG and LSCSN team up.


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Any time you make an investment, you do so with one thing in mind: getting as much of a return on that investment as you can. While any gain is a good thing, you always want to get the most out of your investment as you can. Your rental property investment is certainly no different. While you may already be making some money on your investment, wouldn't it be great to find a way to increase your profits? Here are some tips about how to go about maximizing your rental property income.
Be Picky About Your Tenants
Your ultimate success or failure as a rental property owner will be decided by the people who rent off of you. The burden of vetting your renters lies solely on your shoulders. It's imperative that you run thorough background checks on every person who fills out a rental application and do your due diligence on each person who shows an interest in renting from you. Require references from past landlords, verify employment, check into employment history and be sure that you're renting only to people who you won't have to spend time in court battling with later on.
Regular Inspections
A successful landlord is one that always knows what's going on with his or her property. Many landlords only bother to inspect the properties they own when tenants are moving in or moving out, which often leaves them finding the need for extreme repairs. Performing regular inspections will not only help you remedy issues before they become high-cost problems, but it will also allow you to keep tenants happy by maintaining a good place for them to live.
Minimize Tenant Turnover
Not only do you want to minimize your repair costs, but you should also be looking for ways to minimize your amount of tenant turnover. Keeping your good tenants for longer periods of time can only benefit your bottom line. Offer incentives to them for prompt rent payment and maintaining your property. It will cost you less to reward them from time to time than it will have vacant properties. Vacant properties are a direct hit to your bottom line.
Ideally, you're already making money from your rental property, but there's always a way to increase your profits.
This article was originally published on JasonCohenPittsburgh.net


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Jack attempts to move the debate about the future of Scotland beyond economics, with a look at the past and present through the eyes of its people.
The performance began with a voiceover of news bulletins warning that in an independent Scotland there would be no more socks and, in addition, Cameron warned that in the event of a 'yes' victory, an outbreak of the bubonic plague would undoubtedly mean death for millions of Scots. This set the tone for what was, at times, a witty little drama.
The play took place across three different settings: there was the eponymous Jack in prison; three young women living in Edinburgh; and John Knox and Norman (MacCaig?) conversing with Nessie – referred to by her Gaelic name 'Niseag' - on the banks of the Loch. As the play unfolded, connections between these disparate sets of protagonists were explained or created.
Essentially though, what connected them all was their country, and the somewhat flimsy plot was really only a device on which to hang a number of different issues relating to the Independence Debate. The women, whether voting 'yes', 'no' or undecided, all agreed they were fed up with being governed by an 'unprincipled coalition of twats'. However, one also mocked that it was impossible to get a grip of the so-called facts from anywhere, as all politicians lie. They also debated Scottish stereotypes and the relevance to young Scots today of the Rabbie Burns legacy.
Back in prison, Jack and his cell-mate also discussed politics, with a tale of ongoing Catholic-Protestant hatred and violence - also a part of Scotland's past - thrown in at the end. The Niseag, Knox and Norman interludes were presumably included as figures associated with Scottish culture.
The whole thing was played out in a series of short scenes that flitted between the three settings. Knox and Norman appeared as silhouetted stick puppets, with the part of Niseag played by one of the actresses (looking a bit like a mermaid). It was left to Niseag to deliver a message of hope – whatever the outcome of the referendum: that Scotland's beauty has been polluted and suffocated but can rejuvenate, and with a little courage can adapt and progress and move on.
While not offering any answers or solutions to the questions surrounding Scottish Independence – and it never purported to do that – this was an entertaining piece. There is talent within this theatre company, both in terms of writers and actors. Unfortunately, the brief scenes and constant changes of location poses problems for the staging of this play in a theatre setting, and these were not wholly overcome. Nevertheless, an interesting performance that will happily hold the attention of anyone fancying a different look at the Independence Debate.
Runs 12th – 16th August at 4.15pm.


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We bring to your attention simple, useful and very effective cleaning tips in the house that are guaranteed to save your time, money and energy, and also help things last you much longer.
Simple but effective cleaning tips in house tips, cleaning
To quickly clean the mattress or sofa and get rid of the unpleasant smell, just pour into the spray bottle of vodka, treat the surface and allow drying. It is also desirable to wipe with a brush or sponge for better cleaning from dust and wool. From cleanhomeguide.com you will be getting the best options for the same now.
To easily clean the microwave and get rid of the smell, just pour water into the glassware, first throwing a half-cut lemon into it and turn on the microwave. It is necessary to bring the water to a boil, so that it boils a little inside, a couple of minutes will be enough. Then turn off the microwave and wait a minute before opening the door. Take out the dishes with water and calmly wipe the steamed dirt with the smell of lemon
- Clean the ceiling fan from the dust with the pillowcase.
- Put a fat stain on the wallpaper? Simply rub it with chalk and give it a couple of minutes to absorb the fat and gently wipe the place with a damp cloth. Also works great with the cloth.
- To quickly and easily dry the wet shoes, just cram inside the newspaper, also put your stuffed shoes on the newspaper. To speed up the process through time it is recommended to change newspapers.
- To quickly assemble the wool of your four-legged friend, simply wipe the carpet or other surface with a rubber spatula or window cleaning aid.
- Do you like to make cocktails, but do not like to clean the blender to death? All this in the past.
To easily clean any longitudinal grill, including blinds, simply wind a rag on the oil knife and boldly walk between the slots, clearing them of dust
To give a leather chair a new life, treat it with the shoe polish in color, and all the scrapes will disappear
To quickly and easily clean the grill, cut the bulb in half and drive it along the grate, holding the tongs. Onions not only clean the grate, but also give it an appetizing aroma
To wipe a lipstick is always uneasy, the main difficulty is that it is smeared. Spray top with lipstick on hair spray, wait 10 minutes and rinse.Simply and easily.For more on this visit https://cleanhomeguide.com/best-mop-for-laminate-floors/.
To restore the former shine of the burnt pan, draw water into it, add a shoe storage cabinet of vinegar and put it on a slow fire. Next, turn off the stove and add two tablespoons of baking soda to the liquid. After drain the liquid and wipe the pan with a sponge.
To quickly and easily clean the coffee grinder and remove it from the smell, pour into it a tablespoon (or two) of white rice, then sprinkle the contents and wipe the coffee grinder with a cloth.


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65 jobs go at Polestar's Sheffield plant
Administrators have confirmed that 183 redundancies have been made at troubled printing firm, Polestar.
A total of 65 jobs have gone at its Sheffield plant, which used to print the Radio Times, until the contract moved to Immediate Media Co last month.
It went into administration in April, with the Unite union vowing to do "everything in its power" to save the 1400 staff working across the UK.
However, the administrators, PricewaterhouseCoopers admitted that the job cuts were "inevitable." They added that they had received a "large amount of interest" from potential buyers, because there was still a "strong underlying business".
The loss of the Immediate Media Co work, was swiftly follow by Daily Mail publisher, DMG Media, opting not to renew its contract with the print firm.


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BY: Aidan Williams – Dorset Echo Sport (@EchosportAidan)
DORCHESTER fought out a frustrating 0-0 draw against 10-man Gosport Borough in which they did everything but score in the Evo-Stik Southern Premier South.
Tony Lee was sent off for his role in a late scrap, but the Magpies could not find a final touch to beat the Boro.
There was one change to the starting team for the Magpies, as Tom Blair came in for Sam Jackson, while on the bench there was one difference as well, as Richard Gillespie was replaced by Dom Panesar-Dower.
The visitors enjoyed a bright start, and were able to hold the Magpies at arms length.
Some smooth ball retention allowed the visitors to earn a corner early on.
It looked promising, when it managed to go above the awaiting crowd and to Lee, who was unable to craft a chance, with his route to goal blocked and no player readily available and the Magpies cleared.
Not long later, the Magpies had their first effort on goal, but it was high and wide from Antonio Diaz on the turn.
Sam Lanahan, one of the numerous ex-Magpies in the Boro team, put the ball in the back of the net but was denied by the offside flag.
Lee then went down in the Dorchester box but the referee swatted aside Gosport's appeals for a penalty.
The Magpies should have taken the lead soon after, when Blair crossed in a great ball towards Noah Keats, who was on his home debut, but he headed over the bar from close range.
Ben Seymour then went on a superb run, and fired in an angled-effort that had to be tipped over the bar and from the resulting corner headed wide for the Magpies after 21 minutes.
A fantastic pass from Neil Martin then found Diaz, starting a move that came so close to a Dorchester goal after 29 minutes.
Diaz drove at goal, before a series of passes saw a cross that had to be headed behind for a corner, from which Diaz had a header cleared off the line.
The two sides then cancelled each other out well until half-time, with the hosts doing better than the visitors, but Keats could have scored right before the break, but headed over the bar from a Neil Martin cross in.
The second half began with a break in play due to an injury to Martin, but after a considerable break he was cleared to resume.
Gosport saw an early chance go begging, when Lee fired in a deflected shot that effectively became a weak cross that bobbled across the Dorchester box, but no Boro player was there to shoot in before the ball was cleared.
The Magpies should have scored soon after.
Keats did well to set up Diaz, who crossed in but just over the head of Seymour.
The ball dropped just outside of the box however, and Billy Lowes was soon on the end of it, forcing Gosport goalkeeper Patrick O'Flaherty into a brilliant, low save from close range.
Ross Carmichael then shrugged off several Boro players to hand the home a great attacking position, but the Magpies could not craft anything other than two corners.
Gosport were unable to do better to try and break the deadlock, as a good move forward culminated in Charlie Davis firing over the bar from inside the box for the visitors.
The game was reaching a fiery crescendo, and there was late drama when a scuffle broke out.
Lee received his marching orders, via a second yellow card, for lashing out and he continued to remonstrate with the linesman, holding the game up, before finally leaving the pitch.
Martin was also yellow carded but avoided any further punishment.
The closing stages to the game saw the Magpies do everything but score, as time and time again O'Flaherty saved or the ball could not find a fellow Magpie.
Gosport goalkeeper O'Flaherty then began time wasting in the closing stages, in a manner that was not subtle.
This was emphasised when Winsper, without breaking into a run, jogged a quarter of the pitch and lightly bumped into the goalkeeper while he was wasting time prior to the goal-kick.
Despite their efforts Dorchester could not fashion a late goal.
Dorchester travel to Farnborough on Saturday (3pm).
Magpies: Hutchings, Egan, Martin, Carmichael, Camp, Kite, Keats (Jackson 86), Seymour (Rodriguez 79), Diaz, Blair (Winsper 71)
Subs not used: Latham, Panesar-Dower.
Gosport: O'Flaherty, Roberts, Hartmann, Lea, Byrne, Huggins, Barker (Tubbs 79), Davis, Lee, Lanahan (Pennery 61), Suraci (Jerrard 71).
Subs not used: Wakley, Hoare.
Attendance: 478
Referee: Timothy Burley (Redruth)
Dorchester Town Community Football Club Limited.
Registered with the FCA under the Co-operative and Community Benefit Societies act 2014 as a Community Benefit Society.
Company Registration Number: 7128


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Celtic Keep Close Eye On Shankland Situation
Celtic continue to monitor Lawrence Shankland as the Scottish Champions are keen on bolstering their squad for the second half of the season, the striker has been firing goals in for Dundee United this season and clubs are pondering securing his services.
The Scottish striker has score an impressive 24 goals in 24 games this season and is one of the reasons Dundee United are in pole position for promotion to Scotland's top league.
Celtic have been eyeing up Shankland for some time now and many Hoops fans are not keen on the idea of signing him, its true the striker has not yet proved himself in Scotland's big league but these are the kind of raw talented players that Celtic should be buying and taking a gamble on before the clubs in England come sniffing.
By no means should Lawrence be signed as a first team player, with Celtic's top class training facilities and with our superb coaching staff, Shankland could very well be a signing that might come good sooner than most fans think.
Many fans would compare this to the Scott Allan situation, but Celtic must buy up all the top talent in Scotland otherwise we would miss alot of future players coming through the ranks, sometimes signing these players are a hit and miss kind of scenario but that's just football.


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A well-made reformer with four springs (instead of five) and a host of accessories.
Comes 90% assembled. Easy to set up. Low profile and easy to store under a bed or couch. Mid-level price. Comes with reformer box, metal pole for roll-ups, and two workout DVDs.
Some products have arrived with incorrect screws. May be hard to adjust for people of different heights.
A low-priced reformer with few features and extras, but still useful.
Comes with two DVDs and full-color wall chart for reference. Folds easily for storage. Completely adjustable for taller or shorter people. Can be used for a wide variety of exercises.
Can't be used or outfitted for rebounder or jump board. Some cushions may have an odor and need to be aired out before use.
For those who insist on the complete Pilates reformer experience, this delivers almost everything you need – at a breathtaking price point.
It's easy to see why this is an ultimate wish-list item for many people. Adds a tower system to the reformer setup. Positioned higher from the ground for easier access by those with mobility challenges. Very sturdy; designed for hours-long use in a studio environment.
Very heavy; needs more than one person to set up.
A versatile home reformer with plenty of bells and whistles to duplicate your full Pilates workout from the gym.
This improved model has a wider stationary bar and base. Comes bundled with stand, rebounder, head and neck pillow, DVDs, and chart.
Very noisy when using rebounder, especially for tall users. Too bulky to store.
Mid-range price makes this a solid choice. Not a lot of bells and whistles, but it gets the job done.
Comes with a rebounder for cardio. Rails are longer than average to accommodate taller people. Rollers are quiet and smooth.
Can't adjust spring resistance, but there are ways to adjust bungee cords for this purpose. Doesn't fold for storage.
We purchase every product we review with our own funds — we never accept anything from product manufacturers.
We purchase every product we review with our own funds — we never accept anything from product manufacturers.
Pilates is one of today's most popular exercise regimens, with ten million Americans regularly attending studios and classes to improve their core strength, balance, and flexibility.
While many exercises are performed on a mat, the use of the rather intimidatingly named reformer adds a plethora of movements to improve and enhance your workout. The reformer is also used extensively for physical therapy and rehabilitation.
All reformers share a basic design, but there are a few variations. Since it is an expensive addition to a home gym, it's important to identify your specific needs and know what to look for. Our buying guide is full of tips and information to help you find the right Pilates reformer for your exercise room. If you're ready to buy, check out our top product recommendations, too.
What is Pilates?
Pilates is a regimen of low-impact exercises that target the core, or "powerhouse," muscles of the abdomen, hips, and lower back. These exercises are designed to improve flexibility, coordination, strength, and balance. While elite athletes use Pilates for cross-training, performance improvement, and injury recovery, there are also benefits for daily life, since one result of Pilates is better posture and body alignment. Many people find relief from back and joint pain by doing Pilates.
While many Pilates exercises are performed on a mat, perhaps with the addition of a Pilates ball, resistance bands, and/or "magic ring" (a circular device you squeeze), and give great results, the Pilates reformer adds hundreds of new exercises to the menu – and it can be a lot of fun.
What is a Pilates reformer machine?
Anyone who has walked into a Pilates studio has probably seen some of these daunting-looking machines that look a bit like a medieval torture mechanism. But thanks to their multifunctional nature and ease of use, these devices have become a popular and versatile piece of exercise equipment.
When using a reformer, you are working against your own body weight. There are many unique exercises you can do on a reformer – standing, sitting, lying down, and even upside down if you're daring and know what you're doing. It's a one-stop shop for a total body workout, and the exercises can also be made more difficult as you improve, so you will never outgrow a reformer.
Another bonus is that you're likely to see results sooner than with mat sessions alone. And with guidance and some exercise modifications, you can also use the machines if you have a physical disability.
Professional-grade bundle
This is a sturdy, professional-grade bundle for the practitioner who is serious about Pilates at home. The unit is comprehensive yet also expensive, and you'll probably want someone to assist you when putting it together.
Frame: The frame is like a bed, with a carriage that rolls back and forth on wheels within the frame, much like a rowing machine. This is pushed or pulled using an adjustable footbar at one end. Look for a stable machine. You don't want a flimsy model that tips or has a wobbly footbar.
When shopping, consider the amount of space you have. These machines take up quite a bit of room, though there are some that can be folded and stored away when not in use.
Straps: Reformers also have straps attached to the top of the frame that can be pulled with the legs or arms to move the carriage. These are all adjustable, so they can be customized to work with your size, level of fitness, and any physical limitations.
Springs: The springs can also be adjusted to make the carriage more difficult to push or pull as you gain strength. You want good-quality springs. Lower-end models use bungee-type cords rather than springs, which may not stand up to the wear and tear.
Other elements: The reformer may also include a mat, headrest, and shoulder brace. Some come with a tower for even more exercise options. Some machines come with an instructional DVD, which is helpful, but it's highly recommended that you have some experience with a reformer in a studio with a certified instructor before using one at home.
Upgrades: Some reformer manufacturers offer additional gears for the springs for more precision as you improve, as well other accessory packages like poles, towers, chairs, and blocks.
Warranty: Make sure your investment is covered by the manufacturer.
Counterintuitively, setting the reformer springs to a lower resistance can be more difficult, since you need more core strength to keep the carriage stable.
A reformer uses all the muscle groups through "eccentric contraction." This is when a muscle lengthens as it resists a force to give you the desirable lean, strong muscles for which Pilates is known.
Pilates reformers are not cheap – generally in the same ballpark as treadmills, from $300 to $8,000 – so make sure you're committed before buying one and you don't end up with a very expensive clothes hanger.
You can find some very basic reformers for around $300. Some of these are folding models that can be rolled under the bed for storage, but these will be less stable and may not have the longevity of a pricier machine.
These reformers cost about $1,000, the sweet spot for most people, and have all the features you need in a good product.
For a studio-quality machine, you'll need to pay in the region of $5,000 to $8,000 (the most expensive include a tower). Home users often justify the expense of buying a reformer by noting that Pilates reformer classes are pricier than most exercise classes, as much as $100 an hour. If you use the reformer regularly, the cost may be worth it.
Premium reformer
Smooth movement and a reasonable price matched with good quality makes this one a fan favorite. There are several different models available with slightly different features (some don't have adjustable springs, for instance), so check that the one you buy has all the bells and whistles that you need.
Consider your size. Reformers come in a variety of sizes, so check that the carriage will fit your body type.
Take some Pilates classes before you invest in a reformer. The exercises are very specific, and it's necessary to have a trained Pilates practitioner guide you. Take a few private sessions to learn the principles as well as help you hone in on your fitness goals.
Consider ongoing sessions at home. Once you have your own machine, consider asking your instructor for regular sessions in your home.
There are lots of reformer models to choose from, and we found others in addition to our top five. The Balanced Body Studio Reformer is a great machine from a respected brand, and it's certainly one of the best looking on the market. Its aesthetically pleasing design includes maple accents, a stainless steel frame, and nautical cleats, making it suitable for the trendiest studio. It also boasts a ton of features. If you have deep pockets and want a great machine that's also going to complement your décor, look no further.
Q. Will I lose weight using a reformer?
A. You may not lose pounds by using the reformer alone, but you're likely to see your body shape change to a leaner physique due to the nature of the Pilates exercises. However, you are burning up calories in your workout, so you can use the reformer as part of a weight-loss regimen along with diet and/or other fat-burning exercises.
Q. How many calories will I burn?
A. Because the exercises are so varied, and because calorie burn also depends on body type, it's hard to pinpoint, but researchers estimate that you can burn between 240 and 480 calories per hour.
Q. How often should I use the reformer to see results?
A. Most users see good results using the reformer three times a week. Due to the variety of exercises, you can't overdo it, so it's fine to use the reformer daily for faster results.
Q. Can I use a reformer after an injury or having surgery?
A. Yes, with the advice of your doctor and under the supervision of a certified instructor. These machines were originally designed for rehab and are perfect for non-weight-bearing exercise or for accommodating other physical limitations. There are specific exercises that can be used for your situation, so consult your Pilates coach. Used correctly, you're likely to have a much better outcome than if you stay sedentary.
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I think they say it best;
"Coma are new rave & oldschool techno, 80s pop and 2k-modernity in a deep hug. Giving new influences, voices & feelings to electronic dance music from Germany."
They have just released a 3 track EP, "Famous". It's deep and dreamy but its also got some heavy basslines and percussion. Just what you'd expect when you read the above, taken from their Soundcloud page. Check out "Playground Altona", and make sure to buy the album available on Beatport to fully understand what they're all about.
01 Playground AltonaDownload: Coma - Playground Altona


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Gwynne Conservation Area Schedule at the 2020 Farm Science Review Online
https://woodlandstewards.osu.edu/sites/woodlands/files/imce/2020%20Gwynne%20Conservation%20Area%20 ... FSR%20Schedule_0.pdf_blank Image Slide Gray Marquee ...
SENR Impact: Restoring Ohio's Native Landscapes
https://senr.osu.edu/sites/senr/files/imce/files/ImpactStatements/2019Impacts/Fire_2019.pdf_blank Marquee Slide Gray Marquee ... Combining expertise in ecology and human dimensions to lead research and innovation on how fire ...
Farm Science Review 2020: Online and FREE
Farm Science Review will come to you on your laptop or smartphone this year, and for free, you can ... site. Within that image, people can click on the various icons to find the schedules for talks and demos ... watch livestreamed talks and recorded videos featuring the latest farm equipment and research to pique ...
University/industry partnership takes field scouting to the next level
Emily Bennett and Sherrie R. Whaley LONDON, Ohio—It's no secret that farming has become ... (AI). The Molly Caren Agricultural Center, home to the annual Farm Science Review (FSR), is no stranger ... Caren Ag Center farm manager Nate Douridas and his team have been conducting various research projects ...
School releases latest impact statements
production and consumption of energy We increased energy literacy among our students and paved the way to ... launch an interdisciplinary graduate specialization in sustainable energy We investigated of the use of ... fire as a broad ecosystem management and restoration program and provided vital information to state ...
How to Over Winter Vegetables Virtual Class
Join ANR Educator, Tim McDermott, and Franklinton Farms, for an information filled free virtual ... class on How to Over Winter Using Season Extension and Low Tunnels. Registration is required. Please ...
Fall-applied herbicides- what goes around comes around
glyphosate in soybeans, and the oversimplification of herbicide programs. This included a failure to apply ... 2,4-D worked for a while on marestail, the increase in the level of glyphosate resistance shifted all of ... the work to the 2,4-D, which is really only about 70% effective on overwintered marestail. The net ...
Visit the Agronomic Crops Team at the (Virtual) Farm Science Review on September 22-24th
This year the Farm Science Review will be virtual for the first time in its nearly 60 year ... history. The virtual show takes place on September 22-24 th and includes many livestreamed educational ... registration process. To register, start at fsr.osu.edu and click on the red box that will take you to the My ...
Improved tool can help Midwest farmers with cover crop decisions
Virtual Farm Science Review. The following article is a reprint from the September 9, 2020 Purdue ... the specified conditions. Clicking on the cover crops brings up data sheets that offer more ... fit each user's unique situation — their rotations, timeframes and goals," said Anna Morrow, program ...
The Gwynne Conservation Area Presentation Schedule at Farm Science Review 2020 Online
programming at this year's Online Farm Science Review! Click here to view the Gwynne Conservation Area ... schedule at Farm Science Review 2020 Online **Note: Starting on Sept. 22, go to fsr.osu.edu and click on ... Farm Science Review (FSR) is going to look very different this year- it's all online! We may ...


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For those who are working from home, it can be a challenge to adapt your apartment/house/van to being your new office space. To help make that transition more comfortable, here are the items I've been using on a daily basis while #WFH:Read More »
Category: Technology
Is it a good idea to buy a used phone on eBay?
Short answer: yes!…if you know what you're looking for. Stick around and I'll help you figure out what to look for so you get the best possible deal on your next eBay used phone purchase!Read More »
Why I Deleted Facebook
On December 31st, 2018, I finally made the decision to delete my Facebook account, and all related pages. I'm not talking about deactivating it so I could log back in again, I mean completely and totally trashing it. I say finally because it took me a long time to come to this conclusion. I had debated the decision for, honestly, years, before I finally decided I had enough.Read More »
Tech & Apps to Help You Get Organized
January is National Get Organized Month, so I put together a list of apps and tech that help me get through the day and get sh!t done! (But don't worry, you can use them every month of the year!)Read More »
Google Pixelbook Review
If I had to guess, I'd say most people have both a computer and a tablet. But what if you could combine those products into one? The Google Pixelbook does just that, and I tested it out for a week to see if it's effective!Read More »
Play Starbucks for Life without Buying a Drink
A few times each year (usually in summer and around the holidays), Starbucks releases a promo game to promote their seasonal drinks. The gamification of products is nothing new, but Starbucks certainly does an excellent job of this. I get sucked in every time they release a new game, planning out my Starbucks visits and drinks in advance, all according to whatever will get me the most game plays.
Starbucks released another "Starbucks for life" game a few days ago, where each drink purchase gives you a game play piece, and 3 of a kind is a winner! But I recently found a way around all of this, how you can play the game without buying any drinks at all!Read More »
Apartment Friendly Smart Home Products
For those of you that live in an apartment and love new technology that helps you get sh!t done, smart home products are both a blessing and a curse. Many products require installation, like a home thermostat or door lock. These installations are often frowned upon by landlords, and are sometimes useless even if they could be installed.
For your convenience, I've put together a list of apartment friendly smart home products that won't get you kicked out and make your life easier:Read More »


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It hurts like hell? You have enough of this.
The craftsman's shop of gold scrolls. Come for the recipe to it.
The maester, Kventin, knows the proper one.
Just few eye-pits, two monstera leaves, just pintch of beetles.
The poison for an arrow is ready.
Do not forget to pay a lot.


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Natural. Organic. Mindful.
You might be wondering what slow beauty is about and the most effective answer is; it's about setting you free to be yourself. It's an invitation for self-care; a celebration of individuality and the fact that each of us is unique. As cliché as it may sound, there's no one else in this world like you and that's what makes you so especial.
Instead of offering services that will try to make you look like someone else, or advertising quick solutions that won't last, we give you the opportunity to embrace what makes you different and to become the best possible version of yourself, both physically and mentally.
The Slow Beauty London® is all about mindfulness, self-acceptance, nourishment, and self-care. We thought about you when we decided to use only the best natural and organic products available on the market; products that don't harm our planet and are gentle to your skin. We thought about you when we brought mindfulness to the table and decided to offer you the opportunity to develop a balanced mental state that can be achieved through the wellness services we provide.
We're here to help you feel healthier, joyful and to make you shine inside out. It's time for you to unleash your true beauty. What are you waiting for?


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Both Carol Dahler and myself have been in constant contact with Michelle at the Sawtell Beach Holiday Park (SBHP) since August this year trying to secure the best possible dates for our reunion. Unfortunately, because we don't hold annual reunions we don't get first opportunity to re-book our same sites/cabins for the same period the following year. On the other hand the rapidly growing Oztag group are holding their annual event during October and therefore under SBHP rules have first choice to re-book their same sites/cabins. The Oztag group have fully booked the Park from 12th to 16th October inclusive both for 2016 and 2017. It is the National Junior's Championships and there are some 3,000 competitors. The Seniors Championships will be held each February. The following weekend after the 16th October 2016 is also fully booked - no advice regarding the same weekend in 2017. Therefore we have had to reschedule our 50th Anniversary reunion dates to occur from Sunday 1st October 2017 to Sunday 8th October 2017 inclusive. Whilst this incorporates our actual anniversary (4th October) it is nevertheless not ideal. NSW school holidays (23-09-17 to 08.10.17) and NSW long weekend will cause some impact. Hopefully families will prefer to book nearby Resort Holiday Parks in preference to SBHP. Given the above circumstances we don't have too many choices and therefore a relatively quick decision had to be made and everyone informed ASAP. I strongly suggest you book your favorite site straight away because according to Michelle the little township of Sawtell is fast losing its tag as "the once quiet sleepy spot". At the moment there is no available accommodation north and south of Sawtell, including Coffs Harbour. Attendees can make bookings anytime from now on. Please ensure you mention you are coming with the group (10th Intake National Service Reunion 2017) so you can be linked to the group and secure the 10% discount. Michelle will be back at work on 2nd November 2016, however, the Reception staff or Donna Funnell will be in attendance (02 6653 1379). Arrangements will be made to ring those not on email. The program of events is currently receiving finishing touches and I will send same out as soon as this work is completed. Lets make this the biggest and best reunion especially as we face the fact of getting older and wanting or having to do other things in our retiring years - as long as our health permits. Best wishes Richard Barry. ☘
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Michel Lamoller was born in 1984 in the Black Forest in Southern Germany where he started doing art at the age of 16, taking walks in the hills and drawing landscapes or other natural structures. The idea of landscape is a central component in his artwork ever since. Currently he lives and works in Berlin.
After an internship at Magnum Photos in New York, the artist decided to study photography, which he did at the Academy of Fine Arts of Hamburg. At some point Lamoller got frustrated by the reproductive nature of photography and started to look for other ways to deal with this beautiful media. The ideas for the works just turn up from personal experiences or very impressive spaces by always keeping an eye open for interesting structures, in cities, in nature, on textiles.
For him, the actual work starts after taking a photo and have them printed out. Then he cuts out pieces from each layer so that the upper layer uncovers a piece from the lower layer. He continues until the lowest layer appears. Then he starts again from the top correcting the cut-outs and so on, until it is finished. Apart from finding and photographing the right moments and places he feels that he is challenged the most by the right balance in 'melting' the figures with the environment, to make it subtle and intense at the same time.


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With average annual investments in Fintech surpassing $17B, competition in banking has never been more fierce. Bolstered by the success of companies like Venmo and Wealthfront, consumers are increasingly comfortable with more disruptive banking solutions. In fact, a majority of US and UK consumers trust companies like PayPal and Amazon nearly as much as they trust the banks with money.
In addition to facing competition from tech companies, banks are facing competition from retailers. Accenture predicts that 20 percent of traditional bank revenues will be lost to retailers by 2020 as companies that already sell payment services, credit cards and loans -- like Amazon and Alibaba -- are poised and primed to offer competing services.
With the competition showing no signs of slowing, banks must get focused in order to keep market share. Here are some investments banks can make now to stay relevant.
1. Investment in Automation
When it comes to banking, time is money. And the more time customers save, the better.
Consider this: in countries where banking is more time-consuming and cumbersome -- like Mexico and India, up to 90% of consumers are open to running their finances through a major tech firm instead of a bank. But banks in countries like the Netherlands -- that have digitized routine transactions -- banks are better protected against disruption.
Consumers increasingly expect every transaction, including transferring money to a friend, requesting a loan, or applying for a credit card, to be fast and mobile, and it's no wonder that Banks like J.P. Morgan Chase have had huge success through mobile applications.
But in addition to having a clearly defined digital and mobile strategy, banks should prioritize investments in branch automation. By automating routine aspects of banking -- like credit card application processing, basic question response, and administration, customers can move more quickly through basic transactions.
One leading innovator, HSBC, uses Pepper, the humanoid from SoftBank to greet customers, answer questions, educate customers about banking products and services, and automate Tier II and III transactions. Since the bank launched Pepper, they have seen higher customer volumes, decreased wait times, and increased morale in the bank, as employees have taken full advantage of the automated activities to spend more time engaging with customers.
2. Invest in a Better Customer Experience
Banks are increasingly facing the same challenge as big box retailers -- competition from Amazon and other low-cost, digital natives. And like big box retailers, banks are finding that the best way to compete with Amazon is through a superior customer experience.
In retail companies, CMOs are doubling down on investments in CX, and making customer experience a top marketing priority. Banks should take a lesson out of this playbook, and realign branch strategy to better support impactful, memorable customer experiences.
One place banks can really differentiate is through the branch. Too many banks have neglected investments in people and real estate, favoring digital strategies over brick and mortar, but as banks seek to attract the next generation of bankers, investments in the branch should not be overlooked.
Millennials are known for investing in experience over stuff, and are loyal to brands that can deliver a better experience. The branch provides an opportunity for banks to do just that. By prioritizing staff training, upleveling staff skills, and investing in technology, services, and experiences (such as financial literacy classes) at the branch, banks can attract new customers through memorable experiences.
3. Invest In Personalization
Today's data-rich universe makes it possible to get a sense of each customer's banking goals and needs at a 1-1 level. Unfortunately, too many banks aren't taking advantage of their access to big data to drive the personalization that is needed to keep and grow customer relationships.
There is true value in understanding customers as individuals -- and delivering personalized offers that align with their current life needs and goals. Bankers that can find ways to better know their customers, track their behavior -- online and offline -- are poised to market the appropriate products at the appropriate time, and capture market share.
Personalization is a key step toward gaining customer loyalty and trust. If you don't anticipate your customer's needs, your competitor will. In fact, 42% of bank defectors bought from the competition because they received the right offer at the right time. Only one-fifth were actively researching when they decided to buy the product. Just as striking, more than half of the bank defectors would have purchased the same service from their primary bank if they had been given the option.
4. Invest in Developing Trusted Advisors
While the world is going digital, banks that invest in people will retain competitive advantage. Unfortunately, many banks have decreased their investments in growing and developing their teams. Many are foregoing bringing on full time bankers, and investing in contractors; in the last year alone, the contract staff to FTE ratio increased from 26 percent to 43 percent. This is a move designed to cut costs and enable flexibility, but in many ways, this approach to cost savings can hurt more than it helps.
The next generation needs bankers more than ever. Millennials have more student debt and anxiety about money than any other generation. Almost a full three quarters of millennials believe they will not have the option to comfortably retire, and a similar percentage doubt the current retirement planning tools will enable them to achieve the savings they'll need to be secure.
Rather than focusing on low cost, contract talent, banks should increase their investments in people, upleveling their skills, offloading routine tasks, and empowering efficiency and insights through technology. This is where investments in robotics, personalization, and customer experience all work together. By making the lives and jobs of your staff easier, and giving them customer data to leverage more effectively in customer interactions, your staff can truly claim their place as trusted advisor, and begin building loyalty with the next generation of customers.
The Time is Now
While banks are facing unparalleled competition, there is still considerable opportunity to provide invaluable, unique services to customers and prospects.
By embracing automation, up-leveling the banking experience, investing in personalization, and empowering staff to become trusted advisors, banks can find new ways to drive loyalty and growth.