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SIOUX CITY, IOWA -- The Southeastern women's basketball team always imagined it would win the final game of the season.
Just not like this, and definitely not this early.
The No. 1 seed Fire took care of business on the court against No. 8 Ohio Christian with a 107-55 victory in the first round of the NAIA Division II Tournament in Sioux City, Iowa.
It was the last game played at this year's tournament, as the NAIA canceled the remainder of the winter sports championships due to the coronavirus pandemic.
Southeastern found out shortly after the game in the locker room that it had played its final game this year, denying the Fire, who have been ranked No. 1 for most of the year, a chance at earning a first women's basketball championship.
That means seniors Marlena Schmidt, Eliza West and Trisha Jacobs' careers are over in one of the most abrupt ways.
"You're geared up ready to battle with a team that can win a national title and it just ends," Southeastern head coach Tim Hays said. "It's hard to explain. We'll carry on.The beauty of it is we got to play our last game, and a lot of teams didn't. Our three seniors, to try and walk in and explain why they won't get to take the court again....it was pretty hard.
"It's almost like a death. You go from a very high-high. The girls had a very good game, and then you walk in and tell them the worst day of their career. They have been battling for four years to win a national title. It's hard to break that news to them. We understand there's a bigger picture, but this is what these girls have played for their whole lives for. Every year is unique. You have to find the right chemistry, and have momentum. It doesn't come around that often. This team was unique."
It's a good thing Southeastern put on a performance that its seniors can remember forever.
After a lackluster start that saw the Fire trailing 13-11 late in the first quarter, Southeastern shook itself out of its doldrums and started looking like the team that had national title aspirations from the beginning of the season.
The Fire finished the quarter on a 15-2 run and went on to dominate the Trailblazers the rest of the way.
West and Schmidt recorded double-doubles in their final game. West dished out 11 assists and had 14 points, while Schmidt had a monster game inside with 16 points, 13 rebounds and six blocks.
The Fire were led by leading scorer Taylah Simmons, who put up 30 points and eight rebounds. Raegan Linster and M'caela Sellers also had 17 points for Southeastern as well.
"It was a lot like a bowl game where you have so much time between your last game and this game," Hays said. "We came out rusty. We had been sitting on a loss for the last week and a half. Once it clicked it was game over."
Reach Ray Beasock at email@example.com or 863-802-7553. Follow Ray on Twitter: @itsBEASOCK and get updates on all Polk college sports at @Ledger_Colleges


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One of the least understood beauty trends from Asia is the use of facial essences. The product's very name causes us to screw up our faces and scratch our heads, wondering what exactly an essence is.
According to Yoon-Soo Cindy Bae, an associate at the Laser & Skin Surgery Center of New York, essences are liquid beauty products used to hydrate your skin after you've cleansed and toned, and they help your skin absorb subsequent products you'll be applying, like serums and moisturizers. They typically contain active ingredients like antioxidants, vitamins and herbal extracts.
Though essences are starting to become more popular in the United States, they're commonly used in beauty routines throughout Asia. Vice President of Skin Biology and Bioactives at Estee Lauder Nadine Pernodet told Into The Gloss, "Asian women tend to have a thinner moisture barrier than Caucasian women and are therefore more prone to moisture loss. Essence helps create a stronger, more resistant skin foundation for longterm improvement to the look of skin."
No matter your ethnicity or skin type, after the age of 15 your lipids (the layers of skin that hold moisture) start to get a bit lower as you age, according to Ellen Marmur, a consulting dermatologist for Dove. "Thinking about how your environment is making your skin feel, adjusting your routine and replenishing that protective barrier of moisture is the way to go," she says.
Often confused with serums and toners, Bae defines the differences very clearly. She says, "Traditional 'American' toners help restore pH balance and remove any excess oil, makeup and debris after cleansing (when applied with cotton balls). Traditional 'Korean' toners aid with hydration and prep the skin for layering additional products like an essence (that's applied with the hands). Serums are thicker and tend to be more concentrated with ingredients that will aid in skin brightening, anti-aging or both."
An easy way Sarah Lee and Christine Chang, the co-founders of Korean beauty e-tailer Glow Recipe, are able to spot a true essence versus a treatment toner is by the packaging, texture and size. "Essences are fluid, but still thick enough to require being in a pump or dropper bottle," says Chang. "A toner will almost always be over 75ml and close to a liquid, enough to require a bottle with a narrow opening."
The duo likes to refer to essences as the "modern version" of a serum because they have lightweight and often watery textures that absorb in a flash.
Products should provide clear instructions on the packaging label for how to apply an essence, and those details may vary. Bae likes to gently pat on the product, but always advocates being gentle with your skin.
However, just because an essence is formulated by a cosmetics company doesn't automatically make it right for your skincare needs. Bae advises identifying your specific concerns and trying a few different products for that indication. "It is important to like the smell, texture and feel of the product, because if you don't, you won't use the product," she says.
Remember that essences are cosmeceuticals, not prescriptions. Bae explains, "Although many products are clinically tested, in a perfect world, all cosmeceuticals, like prescription medications, would undergo clinical testing to demonstrate their efficacy, thereby substantiating their marketing claims."
While Lee says there are no "set stone steps" in skincare, you should definitely pay close attention to how your skin feels and what appears to be working. Getting a professional evaluation by a dermatologist doesn't hurt, either.
Thinking of incorporating essences into your skincare regimen? Shop the picks below.
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Subject: RE: [regrep] Meeting reminder and draft agenda: Out of the office for two days
Please join - call on now! Kathryn Breininger Boeing Library Services 425-965-0182 phone -----Original Message----- From: Breininger, Kathryn R Sent: Monday, May 14, 2007 2:18 PM To: ebXML Regrep Subject: [regrep] Meeting reminder and draft agenda: Out of the office for two days I will be out of the office Tues and Weds this week, so am sending the meeting announcement and draft agenda early. Please let me know of additional items for the agenda and we can add them on Thursday morning. Below are the meeting details and draft agenda for our meeting Thursday, May 17th at 8:00 am PT: The telecon number and password: USA toll: 1-210-795-0625 USA Toll free: 866-617-3597 PARTICIPANT PASSCODE (same for all countries): 1739140 International numbers; France Toll: 33-1-70-70-84-56 Toll free: 080-510-0984 UK Toll: 44-20-7108-6391 Toll free: 0800-279-9632 For other countries please contact Kathryn directly. Draft Agenda: 1. Approval of minutes (sorry, I don't have this out yet KRB) 2. Minute taker (volunteer needed - last minute takers: Farrukh, Carl, David, Nikola, Kathryn, Farrukh, Nikola, Kathryn) 3. REST Subcommittee status 4. Webinar: date set, time to talk about presentation 6. Other items Kathryn Kathryn Breininger CENTRAL Project Manager Emerging Technologies Boeing Library Services 425-965-0182 phone 425-237-3491 fax email@example.com > How was your service? Please click link below....... > http://socal.web.boeing.com/ssglibsurvey/ > >
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Complete Story
The Digital Detox With Which You Can Actually Stick
Use these tricks to get the most out of the day
Tiffany Shlain, an Emmy-nominated filmmaker and creator of the Webby Awards, says she finds it liberating to disconnect from her devices one day a week. This practice, which she's done for nearly a decade with her husband and kids, has completely changed their lives, giving them more time, productivity, connection, and presence. In her newly released book 24/6: The Power of Unplugging One Day A Week, Shlain takes us on an interesting and entertaining journey through time and technology, introducing a strategy for living in our 24/7 world: turning off all screens for twenty-four hours each week.
- 1. You are the founder of the Webby Awards, co-founder of the International Academy for Digital Arts and Sciences, and a renowned filmmaker. It's safe to say technology is a big part of your daily life. In "24/6," you urge people to reclaim their time by spending 24 hours a week disconnected. How difficult was that for you personally?
It wasn't difficult at all–I actually found it liberating. What excited me about the web in the early days was that it was this decentralized network that connected people and ideas in all these new ways, but when the smartphone came out, and the business model changed to glue our eyes to the screens and keep us on one scroll, I got sucked in like everyone else, and wasn't paying attention to the people and things that mattered most to me.
Please select this link to read the complete blog post from Maria Shriver.


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Turdean law
Branding is becoming more and more necessary in the professional law services segment, due to the openness of the field to diverse communication environments. The lawyer Ovidiu Turdean decided to invest in the crystallization of his brand image when he decided to continue his work independently, on his individual cabinet. His customers are entrepreneurs from a different industries, that are seeking primarily confidentiality before legal support.
A research on the domain has pointed out that that the lawyer's name is the one that sets the trust in this market. Therefore, we have identified the opportunity to create a brand name that will revolve around lawyer's name and personality and will gain its own emotional territory in this crowded landscape of professional law services. Through an internal audit, we came to the conclusion that Ovidiu Turdean's main goal is to make good use of the law to improve his clients situation. From this consideration, we have decided to keep his own name and we consolidated it by applying the "Business Law" descriptive extension.
Brand identity
As Ovidiu Turdean felt the importance of marketing for law services, he was also aware that that his promotional budget would never be significant enough to generate an incisive campaign. Therefore, we have decided to design an identity that can work on its own, without strong communication efforts. For this to work, our team needed to focus on the most important attribute of this type of service: the relationship with the client. Based on thus, we decided to personified the name in the form of a confidentiality symbol and built an identity that synthesizes the person and personifies the services. The brand architecture has clarified the categories of offered services, while, at brand level, it has made a reinforcement transfer of the graphic symbol. All the services offered by this lawyer are dedicated to companies that are looking to feel the results of services according to analytical and emotional parameters such as evolution, comfort, growth.
Brand design
The logo summarizes the name in the graphic expression of the word Turdean, thus supporting the chosen name. At the same time, the design accurately reflects the spirit of the brand: it has a certain depth and conveys an important attribute of the experience provided by these services: confidentiality. The chosen color emphasizes the positive characteristic of the relationship with the attorney, give space at the same time for the creation of personal perceptive associations. These two characteristics together are key points for customer comfort and the quality of services provided in this market.
Online and offline environment
We merged the brand experience with the privacy concept, the result being the graphic implementation within the the office location. Transparency of a meeting room becomes infallible by drawing glass with shapes derived from brand identity. The feeling of trust is supported by creating a visual description on the presentation pages. The confidentiality is reinforced by the absence of customer recommendations.
Tomorrow recommended the use of basic materials for identity communication. From online presence to business cards exchange, the brand confirmed after the first exposure before its customers: confidentiality of shared information are always delivered by Turdean Law.


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寻秦记第38集在线播放"Well, Mr. Poyser," he said, before the good slow farmer had time to speak, "ye'll not be carrying your hay to-morrow, I'm thinking. The glass sticks at 'change,' and ye may rely upo' my word as we'll ha' more downfall afore twenty-four hours is past. Ye see that darkish-blue cloud there upo' the 'rizon--ye know what I mean by the 'rizon, where the land and sky seems to meet?"视屏如果没有播放按钮请刷新网页
The money for two-thirds of the forest had all been spent already, and he had borrowed from the merchant in advance at ten per cent discount, almost all the remaining third. The merchant would not give more, especially as Darya Alexandrovna, for the first time that winter insisting on her right to her own property, had refused to sign the receipt for the payment of the last third of the forest. All his salary went on household expenses and in payment of petty debts that could not be put off. There was positively no money.寻秦记第38集在线播放
寻秦记第38集在线播放"Yes, I do expect it, Melicent, and if you have the least regard for me, I expect more. I want you to be good to her, and patient, and show yourself her friend. No one can do such things more amiably than you, when you try."
After the reading class, two youths between sixteen and nineteen came up with the imaginary bills of parcels, which they had been writing out on their slates and were now required to calculate "off-hand"--a test which they stood with such imperfect success that Bartle Massey, whose eyes had been glaring at them ominously through his spectacles for some minutes, at length burst out in a bitter, high-pitched tone, pausing between every sentence to rap the floor with a knobbed stick which rested between his legs.寻秦记第38集在线播放


text:
The past six months has truly been a valuable experience. Running the Central Vermont Chamber of Commerce is hard work and demanding yet I found it exhilarating. It is not easy to put a portion of your life on hold to do a special project, but this one worked. Being an interim is very different from becoming the permanent manager. I knew eventually someone else will take over and I can return to my more normal life. I embraced the challenges as a member of the Board, to step up and assist in the search for a new permanent President and to support of the staff through this transition.
The experience I am having as the Interim President will be unforgettable. Members of the Board of Directors and the staff all say we were lucky I was available to step in and manage this transition, but it is I that is the lucky one. I have grown in so many ways these past six months. My biggest take away? The appreciation I have for the staff and the people on the Board. We are so lucky in Central Vermont to have such talented people willing to step up and make a difference.
As a forester I have been trained to see the forest for the trees. And yes "Mom….Money does grow on trees". But it takes careful planning to maximize that return on investment. It is the same with running a business or managing a Chamber of Commerce. Stewardship of resources requires paying attention to details, anticipating future events and building safeguards to maintain a viable enterprise. By applying these basic principles was how this "old forester" was able to perform as a Chamber President.
Our small staff does fine work and tackles big projects. Tonya Barnett, Director of Administrative Services handles so many functions, greets visitors, fields a myriad of phone inquiries and is often times the front-line voice of the Chamber. Carole Hass, Director of Events and Programs pays attention to the details. Carole is the ultimate professional, extremely organized and ready for the next event challenge. Our newest member Jeannette Kingsbury, Director of Membership has become an important member of the team. She has reinvigorated our membership services program and is delivering on new member recruitment. My job as the leader was made so much easier because of the quality of the talents these three people brought to their profession.
The mission of the Central Vermont Chamber is to guide, inspire and promote the best interests of the businesses and professionals of the area, and to enhance the economic, cultural, educational and recreational opportunities of its citizens and visitors. The mission and vision of the Chamber was created by our Board of Directors during their strategic planning process. Their leadership guides the work plans of the staff. The board of the past four or so years has become a very active board. All directors serve in some capacity on a committee and volunteer for many activities the Chamber produces. It is the quality of the board membership that motivated me to motivate them. It gets no better than that. I wish I had the space to name all 20 of the directors, all of them play an important role in guiding this Chamber. I want to especially recognize the Executive Committee members: Board Chair Joe Choquette, Vice-Chairs Kim Bolduc, Denise Russo, Jon Skates and Kristin Hayes; and Past Chairs Lindel James and Leslie Sanborn for their confidence in me and their superior acumen in finding a new leader and getting us though this transition.
Moving forward, we have now hired a new permanent president. Kevin Eschelbach will be good for Central Vermont. He is a Barre citizen with excellent managerial experience. His work managing volunteers in the Boy Scouts is a perfect compliment for managing a board and the staff. A major goal of the search committee and the board was to find a new president that will embrace the activism of our board and nurture the policies adopted by the board with the implementation of our talented staff. Kevin contains those traits and with the support of our membership, he will succeed.
As I return to the forest and my work as a lobbyist, I feel good about this transition. Everyone did their part and we now have the people we need to move forward and succeed as we serve the needs of the business community in Central Vermont.
Thank you, Tonya, Carole and Jeannette for your support in letting me support you. Thank you, board of directors for having faith in me and for your continued wisdom as you guide this organization into the roaring 20s.
Ed Larson has been acting director of the Central Vt. Chamber of Commerce for the last six months.


text:
Accrington Stanley FC has announced they are joining forces with ticketing giant See360 to launch an online retail and ticketing box office.
The box office, which will go live over the bank holiday weekend, will enable fans to buy merchandise and tickets online, in a move which is hoped to give the club a more global approach for their 2010/11 campaign.
Speaking of the new site, retail operations manager Lewis Carroll commented: "Now the box office is launched officially, it feels like the pieces of the jig saw have fallen into place. This online system will not only integrate match tickets with an online store via an online box office but will revolutionise our whole retail and match day operation, making the experience for our supporters just that bit easier. We can now communicate with all our supporters quickly via email and text, informing them of ticket news, offers and special events."
Accrington Stanley join just a handful of clubs outside the Premiership that are partnered with See360, a subsidiary of the See Ticketing network, specialising in sporting events and ticketing.
See360 also provide ticketing systems for Derby County, Preston North End and Blackburn Rovers.
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Picture yourself spending some time with congenial friends, sharing your lives and pictures from your cell phones." They're curious about that cool game, song, movie, camping trip, art show, or other event that fascinated you. You talk about all kinds of stuff, poetry, styles, personal achievements, relationships, and bad days. You can share your inner child, and laugh together. They sympathetically listen to your feelings about serious topics like politics or climate change, even when they don't agree.
Personal validation comes from paying attention to one another, giving more than you get. Everyone respects you and themselves, despite our amazing range of personal tastes and interests. They'll tell you they don't agree with an idea or behavior without implying you're a bad person or somehow deficient. It's an "I'm OK, You're OK" kind of fellowship, where nobody tries to make himself look better by picking on somebody else.
Nobody here is into mind games. A discussion started with a loaded guilt-throwing question will be deleted.
This group is not intended to compete with other groups on topics they cover but to "fill in the cracks." Whenever a discussion dwells at length on a topic for which there's an existing group, we urge you to provide members a link to that group to continue along their tangent.
A comment is a shout-out, which will get lost in a few days, because the comment wall is just a random stack.
Please start a discussion to share stories, photos, and videos. Replies will pop up in your "latest activity" and a conversation can develop from the feelings and thoughts you contributed. Groups are built on discussions.
Started by Patricia. Last reply by Plinius 2 minutes ago. 1 Reply 0 Likes
Spreading this around......As someone with a Masters in disease control, you can only imagine the sheer hell on earth that Facebook is for me at the moment.From Chantelle who has impressively made the leap from bath bomb retailer to consultant…Continue
Started by Joan Denoo. Last reply by Joan Denoo 3 hours ago. 2 Replies 1 Like
Not only should the Federal government issue the "Stay at home" order, but all medications should be negotiated through the nation and health care should be provided to all inhabitants, citizens or not. From where will the funding come? From those…Continue
Tags: socialist, profits, capitalist, free, speech.
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Alexandria Ocasio-Cortez may not be an atheist, but as it comes to the issue of State / Church separation, she has just surprised the daylights out of me (most pleasantly!) with a very powerful statement she has recently made regarding the behavior…Continue
Tags: separation, religious freedom, church, State, AOC
Started by Loren Miller. Last reply by Grinning Cat Mar 12. 5 Replies 5 Likes
The above is the kind of headline which would likely send the Orange Nightmare into a royal hissy-fit ... but then, in addition to all the line-items outlined in the following video, viruses don't read, either! Yes, I'm afraid that, once again,…Continue
Tags: virus, corona, Donald Trump, America's Best Christian, Betty Bowers
Started by Grinning Cat. Last reply by Grinning Cat Mar 3. 43 Replies 3 Likes
This is an appropriate day of the year for this subject...What are some of your favorite winter holiday songs?It would be especially good to share powerful new secular lyrics to tunes that have become associated with Christmas.…Continue
Tags: singing, lyrics, reclaimed, reclaiming, HumanLight
Started by Loren Miller. Last reply by Patricia Feb 22. 1 Reply 2 Likes
Once again, America's Best Christian, Betty Bowers finds it necessary to saddle up and call the soi-disant Christians of the current era on their apparent lack of anything resembling behavior that the carpenter-turned-rabbi would find even remotely…Continue
Tags: Franklin Graham, Jerry Falwell, Jr., Donald Trump, America's Best Christian, Betty Bowers
And the other shoe has dropped here. As of Monday, my social worker wife will be working from home and by phone, rather than seeing clients in person at her office. We both will be curious to see how THIS works out!
True, Chris! However, it isn't easy. I worry about my children, 3 of which are affected, job-wise, by this catastrophe. My dental hygienist daughter is now at home waiting for the dentist to reopen. No paycheck. At least she gets to spend "quality time" with her three youngsters. And her husband, a vegetable/hemp farmer, has nothing this time of year. Tough times.
Don't sigh Ruth, there's always something to be happy about!
Happy Spring, Northern Hemisphere people! <sigh> Happy Fall, Southern Hemisphere people!
Lots of things to find to do. We don't always need people to be doing things with.
Virtually tour museums and examine art.
You Can Now Tour 2,500 World-Famous Museums From the Comfort of You...
Most of the time we cut each other's hair.
I spent 30 years cutting my own hair....I can certainly do it again.
Coronavirus Pandemic World Map/Count
I agree, it made no sense to get a hair cut with the risk high and growing exponentially. So, my hair grows on, uncut!
The reason I like Chris Martenson's information about the coronavirus is that he could see it coming based on the available information coming out of China, which was virtually non-existent. He could tell the numbers weren't making sense and so he looked harder and deeper only to discover the world was in for an epidemic if not a pandemic.
In 1918, an estimated 675,000 Americans died of the flu. There were no vaccines.
I was born in 1936 during a scarlet fever epidemic. There were no vaccines; treatment now involves antibiotics.
While I was in high school, parents and children were terrified of polio. I and my cohorts were not permitted to go to swimming pools or lakes for fear of the disease. In 1841, the "first documented outbreak of polio describes a cluster of eight to 10 cases of infantile paralysis in West Feliciana, Louisiana." The crippling disease and fear spread across the nation and around the world. Polio: 3300 dead, over 57,000 cases reported.
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- Home
- About Us
- Resources
- Fellows
- EFF Programs
- Grants
- Philanthropy
- Sponsors
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Each meeting EFF collects testimonials from program attendees and participants. Checkout what people have to say about us below!
I attended the Endocrine Fellows Foundation Forum two years in a row. Each time has been a special opportunity for me to network with my peers and the top leaders in the field. The EFF has created a community for graduate students and postdoctoral fellows to collaborate with each other. The plenary and breakout sessions were a great introduction to topics discussed during ASBMR and allowed us to introduce ourselves to ASBMR leaders.
- David Maridas, PhD Candidate, Maine Medical Center
The Endocrine Fellows Foundation was an essential part of my career development as an academic physician scientist. The EFF provides numerous excellent programs for fellows in a variety of different clinical and research settings. Of critical importance are their programs for research funding. These programs provided me with the opportunity to compete for my own independent research funding – an essential step in building autonomy and self-confidence. In addition, the EFF research meeting at the end of the program allowed me to present my work and network with peers and leaders in the field. Now, over a decade later, I rely on the EFF to provide similar opportunities to my endocrine trainees. I feel very fortunately to have benefited from EFF programs, both as a fellow and as a mentor.
Erin Kershaw, MD, Past Fellow & Associate Professor, University of Pittsburgh
Obtaining research funds for fellows' scholastic projects is very difficult for training programs. The EFF grants are invaluable in their support to help fellows complete their research projects. In many cases the EFF grant makes the difference between a successful research project and not being able to complete one.
Philippe Backeljauw, MD, Cincinnati Children's Hospital
The program for fellows in metabolic bone disease organized by Professor Bilezikian is the best of its kind. I strongly endorse the need for continued funding of the program. The fellows i have sent over have been completely supportive and most have begun a career in bone disease.
Professor Ego Seeman, MD, Austin Health University of Melbourne
The upcoming calendar is currently empty.


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Windward Belgian Wheat
Rating: NNN
Why A bulk barn of banana, bubblegum, citrus and spice (camomile, grains of paradise and orange peel), Stone City's Belgian-style wheat beer is levelled with hits of hops. Easy sipping for fine weather.
Price 600 ml/$7.50
Availability On tap at Bar Hop (391 King West, 647-352-7476, barhopbar.com), or take a road trip to the Stone City tap room and bottle shop in Kingston (275 Princess, 613-542-4222, stonecityales.com).
Collective Arts State of Mind Session IPA
Rating: NNN
Why Hop addicts will dig this session IPA from Collective Arts. Currently alongside Nickel Brook in Burlington, Ontario's advocate of art and beer plans to open its own facility in Hamilton later this month. This one's light in body, full in flavour and ideal for backyard BBQs.
Availability In Toronto bars, hitting the LCBO and Beer Store soon.
Cuvée des Jacobins
Rating: NNNN
Why This Flemish red ale is an un-blended old lambic that rests in French oak barrels for a minimum of 18 months. The result is fruity, funky and super-sour - kind of like you've been pucker-punched by a sassy Sour Key (if candies were addictive and aggressive).
Price 330 ml/$3.50
Availability LCBO 318758


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Check this page regularly and keep up with our awesome specials!
Cape Town
Pick 'n Pay Hypermarket, Ottery Road, Ottery, Cape Town, 7800
Monday : 8am-10pm
Tuesday : 8am-10pm
Wednesday : 8am-10pm
Thursday : 8am-10pm
Friday : 8am-11pm
Saturday : 8am-11pm
Sunday : 9am-10pm
Public Holidays : 9am-10pm
Christmas : Closed
Seriously good.
- Qabilah Gabier | 19 March 2020
- Safwaan Meyer | 18 March 2020
Good service
- Fadwa Isaacs | 17 March 2020
Thank you Zahier for my custom meal as well as satisfying an extremely difficult cusotmer. 5 stars
- Heather Dyers | 06 March 2020
I love the new safety features for the kids.
- Najuwah Safodien Kleinsmith | 01 March 2020
Great food
- Gaironesa Nicholson | 25 February 2020
Spur Ottery has decent food but the service is a bit poor, they do tend to get busy and are not always able to cope with the the amount of orders. Great for a Spur Breakfast though.
- Mikhail Hathey | 20 February 2018
Great quality foods and the service is good and friendly , my personal fav is the nachos and their oh so famous Buy one get one free deals on a monday 👍🏻 i usually take a basic breakfast along with my monday combo if im there in the morning its like getting extra toppings and extra chips for a minimal amount 👌🏻
- MrsAdams | 05 July 2017
Thank you Twin Peak Spur for making me feel so special. You guys rock. ⭐⭐⭐⭐⭐ . Thanks Athena and the rest of the waitrons. What more could I want?
- Harold Volkwyn | 22 May 2017
Excellent service and food. Staff is friendly from when entering the restaurant until you depart. The manager also check if you are satisfied with your order. The waiter ensures that your needs are taken care of. Always return to this restaurant.
Read Full Review
- ShafiekaK1 | 05 March 2020
My boyfriend and myself usually go to Spur in Ottery. We preferred to be serviced by one waiter, Mercy, she is really amazing an always strive to go the extra mile. She handles all her clients the same and definitely have good customer service qualities. The food is always excellent and you always welcomed with a smile.
Read Full Review
- CindyAugust | 10 July 2019
Excellent and friendly service from Abdul. (I hope I spelt the name correct)
Offered an alternative to the baked potato/chips and onions options which turned out to be a very tasty salad!
The chicken...
Read Full Review
- Cptlocal | 16 September 2018
Share your Spur memories with us by uploading your photos here.Upload images
An outstanding family dining experience is what awaits you at our especially themed restaurant here at Twin Peak Spur in Ottery. Whether friends, couples or even younger patrons hope to indulge in one of our famous burgers, perfectly flame-grilled steaks, succulent racks of ribs, kids-friendly or vegetarian meals – all will most certainly be in for a treat. It is the former three signature dishes mentioned that have also made Spur a leading brand and an expert as far as family dining is concerned.
You and your group will be warmly welcomed right from the second you enter our doors up until you leave. All of our traditional dishes are carefully prepared according to the strict codes that have made our restaurant one of the best. Our inviting and originally-themed dining area offers service flexibility as we can easily cater for any group. We can handle the typical family dinner, romantic date, birthday party, staff lunch or basically any other get-together.
Here at Spur we go far beyond the norms of a standard steak restaurant chain. Our great selection of steaks, burgers and racks of ribs are perfectly prepared to ensure every bite is as wonderful as you've come to expect from Spur. Our commitment to service goes even further here at Twin Peak Spur as kids always find themselves right at home with the exciting activities at our Play Canyon.
Twin Peak Spur family restaurant also considers the specific needs of our customers and for this reason precisely offers the following:
·Facilities for the disabled
·Smokers' section
·Halaal foods
At Twin Peak Spur restaurant in Ottery, you can get excited about our unique family-oriented approach to dining that is sure to keep you and your family coming back – time and again.


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We all have babies in common!
But this gig can also be fun. Why not have some giggles while learning and making friends? I think it's an amazing thing to be pregnant, have a baby, feed that baby and get to know that child as they grow. Be a part of the Babies in Common community online (and in person, when possible) and make the most of it by connecting with me and others!


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Facts about Weld County, Colorado
Weld County is one of the 64 counties of the U.S. state of Colorado. As of the 2010 census, the population was 252,825. The county seat is Greeley. Weld County comprises the Greeley, CO Metropolitan Statistical Area, which is also included in the Denver–Aurora, CO Combined Statistical Area.
According to the U.S. Census Bureau, the county has a total area of 4,017 square miles (10,400 km²), of which 3,987 square miles (10,330 km²) are land and 30 square miles (78 km²) (0.7%) are water. It is the third-largest county in Colorado by area.
As of the census of 2000, there were 180,936 people, 63,247 households, and 45,221 families residing in the county. The population density was 45 people per square mile (18/km²). There were 66,194 housing units at an average density of 17 per square mile (6/km²).
Serving Weld County, Colorado
Bio-One services all types of trauma, distressed property, and biohazard scenes in communities throughout the Thornton Area. We partner with local authorities, communities, emergency services personnel, victim services groups, hoarding task forces, apartment complexes, insurance companies and others to provide the most efficient and superior service possible.
We are your crime scene cleaners dedicated to assisting law enforcement, public service agencies and property owners/managers in restoring property that has been contaminated as a result of crime, disaster or misuse.
- We have fielded thousands of calls and recovered just about any situation out there in a professional and compassionate matter.
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- We maintain strict adherence to OSHA rules and regulations to ensure the safety of our workers, the public, and of you and your family.
- We are proud to have a great working relationship with the Police, Fire, and most Insurance Agencies.


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Published: Thursday, August 09, 2018 @ 5:05 PM
By: Breaking News Staff
TROTWOOD — Upate@5:30 a.m. (Aug. 10):
The victim, Kenneth Harlow II, is in fair condition at Grandview Hospital, a spokesperson said.
First report:
A man getting off an RTA bus in Trotwood Thursday morning was struck by a passing SUV.
The crash occurred at the intersection of Salem Avenue and Parkway Drive around 6:40 a.m. The man was taken to a local hospital with injuries not believed to be life-threatening.
>> New telephone area code for the Miami Valley has been revealed
Video released from RTA shows the SUV striking the man. The man was able to stand up and walk away after he was struck.
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solution of accident frequnecy
Incident Management Software
Accident Incident Frequency Rates OSHA Reporting and Logs The sub-modules are designed to support the entire investigative process, claims management and ongoing analysis of data including accident and incident frequency rates.
Causes of Frequent Urination and Urinary Accidents in Dogs
Luckily, other causes of frequent urination and urinary accidents are much more common than tumors. Kidney Disease in Dogs. Kidney disease is a cause of increased water consumption and, therefore, increased urination and sometimes urinary accidents in dogs.
Common Causes of Car Accidents | Nolo
The causes of car accidents are pretty varied, but it is important for all of us -- as members of the motoring public -- to understand the most common causes of car accidents so that we can make every effort to prevent them. There are two broad categories of causes when it comes to car accidents.
Accident Analysis and Prevention - University of Wisconsin
where rainy weather crash frequency normalized by average annual daily traffic and vehicle miles traveled was higher than any other interstate highway segments between 2004 and 2006. The study area is shown in Fig. 1. Single-vehicle crash and traffic data were collected from police accident reports (MV 4000) and traffic detector database (V ...
EnviroSolutions Reduces Frequency and ... - SmartDrive
May 08, 2017· Having initially sought a solution to reduce collision frequency and verify driver location, EnviroSolutions conducted a two-month trial of SmartDrive and another video-based safety product. "Selecting SmartDrive was an easy decision; it was far and away the best solution …
Modelling crash probability in large traffic simualtors ...
18 away from the assumption of a fixed coefficient model converting the surrogate event frequency 19 into accident frequency, typically used in the traffic conflicts technique. The probability for a 20 specific accident involving vehicle n to occur at time is assumed to be estimable by a specific
How to Reduce Workplace Accidents With Employees | Chron.com
With the rising cost of workers' compensation insurance and the need to keep employees happy and healthy, taking precautions to reduce workplace accidents is a vital part of running a small business.
How Many Times Will You Crash Your Car? - Forbes
Jul 27, 2011· This post provided by CarInsurance.com If you haven't been in a car accident, consider yourself lucky. Or overdue. By car insurance industry estimates, you will file a claim for a collision ...
Workplace Accident in Malaysia: Most Common Causes and ...
Accidents in the workplace occur for a number of reasons. It may results a minimal or tragic, causing minor injury, damage to equipment or even in some cases, major injury or death. Employees need to stay alert and aware at all times to avoid accidents, while managers need to know the most common causes for workplace accidents and be
Calculate crash rate - Crash Analysis | ArcGIS Solutions ...
In the Crash Analysis project, expand the CrashAnalysis toolbox and FHWA Network Screening toolset in the Catalog pane, and then open the Calculate Crash Rate tool. In the Streets or Intersections parameter, choose a layer that contains the streets or intersections used to calculate the crash frequency and rate.
Work Injury Statistics : OSH Answers - ccohs.ca
May 04, 2017· It is important to remember that these reports do not include all workplace injuries: they only include accepted time-loss injuries. The AWCBC defines a time-loss injury as "an injury for which a worker is compensated for a loss of wages following a work-related accident (or exposure to a noxious chemical) or receives compensation for a permanent disability with or without time lost in his or ...
Teen Driver Car Accident Statistics & Facts - edgarsnyder.com
Half of teen car accident deaths occurred between 3 p.m. and midnight. 54%, or 1,532, of the 2,814 teens killed in car accidents weren't wearing a seat belt. 11% of fatal car accidents involving teens were related to distracted driving. 2009 Teen Driver Car Accident Statistics. 3,214 teens ages 15 to 19 were killed in car accidents.
4. Introduction to Statistics Descriptive Statistics
Statistics for Engineers 4-2 The frequency of a value is the number of observations taking that value. A frequency table is a list of possible values and their frequencies. A bar chart consists of bars corresponding to each of the possible values, whose heights are equal to the frequencies. Example The numbers of accidents experienced by 80 machinists in a certain industry over a
2016: What About Claim Frequency? - CCC - cccis.com
In Q2 and Q3 of 2015, claim frequency for collision and property damage rose about 2 percent from the same periods in 2014. 6 Given the continued growth in claim counts as seen by CCC during the first several months of the year, a similar increase in frequency in Q2 and Q3 2016 seem likely.
Top 10 Causes of Workplace Injuries | Chron.com
Oct 15, 2018· A transportation incident can include a wreck in a work vehicle, being struck by a work vehicle or back over accidents. Rail, flight and water accidents are also included in the measurement. In ...
Lifting and Material Handling - Environment, Health and Safety
Lifting heavy items is one of the leading causes of injury in the workplace. In 2001, the Bureau of Labor Statistics reported that over 36 percent of injuries involving missed workdays were the result of shoulder and back injuries. Overexertion … Continued
Solved: Railroad Crossing Accidents The data show the ...
Railroad Crossing Accidents The data show the number of railroad crossing accidents for the 50 states of the United States for a specific year. Construct a histogram, frequency polygon, and ogive for the data. Comment on the skewness of the distribution. (The data in …
How to Calculate Accident Incident Rate: 10 Steps (with ...
May 23, 2011· How to Calculate Accident Incident Rate. The Occupational Safety and Health Administration (OSHA) is a regulatory agency of the federal government that ensures, as much as possible, that American workers operate in a safe working...
Managers Brief - The Accident Frequency Rate
Subject: THE ACCIDENT FREQUENCY RATE. Distribution: Managers & Supervisors/Team Leaders Only What is the AFR? The Accident Frequency Rate (AFR) is a way of measuring the accidents we have based on a category of accident which is reportable to the Health & Safety Executive (HSE).
Frequency Distribution of Discrete and Continuous Variables
Discrete and Continuous Variables were defined in the article An Introduction to Frequency Distributions. We shall continue our discussion on frequency distributions in this article by moving on to Frequency Distributions of Discrete and Continuous Variables.
RESEARCH REPORT 156 - Health and Safety Executive
RESEARCH REPORT 156 . HSE Health & Safety Executive ... accidents in the construction industry, there has been only limited objective analysis of the full range of contributory managerial, site and individual factors. ... · Training is seen as a solution to all problems, but with content often superficial.
Safety of Nuclear Reactors - World Nuclear Association
Safety of Nuclear Power Reactors. The risks from western nuclear power plants, in terms of the consequences of an accident or terrorist attack, are minimal compared with other commonly accepted risks. Nuclear power plants are very robust. News and information on nuclear power, nuclear energy, nuclear energy for sustainable development, uranium mining, uranium enrichment, nuclear generation …
Road Accident Statistics in India - sites.ndtv.com
Over 1,37,000 people were killed in road accidents in 2013 alone, that is more than the number of people killed in all our wars put together. 16 children die on Indian roads daily. 5 lives end on Delhi's roads everyday. There is one death every four minutes due to a road accident in India.
Common childhood accidents and how to prevent them ...
Despite the best childproofing and safety efforts, childhood accidents sometimes happen. Here are examples of some common childhood emergencies, including how they're most likely to happen, and tips for how to avoid them.
Lost Com - Aviation Safety Reporting System
There is a significantly increased opportunity for lost com occurrences when one or more of the flight crew is low time on the aircraft type--this is particularly true for general aviation pilots. Figure 4 provides the frequency of lost communication events vs. time-in-type for GA pilots.
Accidents : Six Causes - Safety Training Video - Prevent ...
Jun 22, 2015· Accidents : Six Causes - Safety Training Video - Negligence Distraction Unsafe Work Practices and More - Prevent Fatal Workplace Incidents! Never miss a new ...
Speed of Light, Frequency, and Wavelength Calculations ...
Sep 23, 2017· This chemistry video tutorial explains how to solve problems involving the speed of light, wavelength, and frequency of a photon. It also explains how to …
Analysis of Roadside Accident Frequency and Severity and ...
To quantify the effects of roadside features on accident frequency and severity, the researchers gathered data from the northbound direction of State Route 3 in Washington State. For accident frequency analysis, negative binomial and zero-inflated negative binomial models of monthly accident frequency were estimated.
Occupational safety & health – thyssenkrupp AG
That's why we set ourselves concrete objectives. Up to 2020 we aim to reduce the accident frequency rate year by year by at least 10 percent. To achieve this target we are strengthening awareness of occupational safety and health management among all our employees.
EnviroSolutions Reduces Frequency and Severity of ...
EnviroSolutions Reduces Frequency and Severity of Accidents with SmartDrive Waste fleet doubles the number of driving hours between collisions after deploying leading video-based safety and ...
Top 10 Worst Cities For Car Accidents In The U.S. | TheRichest
Oct 12, 2014· The capital of the nation has also ranked among the top places in the country for car collisions. According to Allstate, drivers in Washington, DC are nearly twice as likely to get into a car accident than the rest of the country, with an average of reported accidents per driver every 5.1 years, rising four spots from 194th in 2013.
Accidents at work statistics - Statistics Explained
Number of accidents. In 2015, there were just over 3.2 million non-fatal accidents that resulted in at least four calendar days of absence from work and an estimated 3 876 fatal accidents in the EU-28 (see Table 1), a ratio of approximately 830 non-fatal accidents for every fatal accident. There was a slight decrease in the total number of non-fatal accidents at work in the EU-28 between 2014 ...
Road Accidents - Causes and Prevention Techniques
Road accidents are undoubtedly the most frequent and, overall, the cause of the most damage. The reasons for this are the extremely dense road traffic and the relatively great freedom of movement given to drivers. Accidents involving heavy goods vehicles (especially coaches and lorries with trailers) occur all too frequently despite caIls for ...
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methods for septic tank service1817 .pdf
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methods for septic tank service
Many individuals do not think much concerning Septic Tank Covers. Many of the moment, they
make use of plastic sheets and various other products to place over the location where the cover
may be. But, they are critical in a variety of means. Maintenance of septic tanks comes to be a lot
less complicated when covers are set up. The covers also keep the environment protected and
the air much better. If good covers are not put up then bad odor is particular to disperse via out
the area.
Besides that, now Septic Tank Price can be used as attractive pieces in the back of your house or
wherever they are located. Nowadays, numerous companies are creating wide array of creations
in the marketplace. Or the firms likewise take orders if anybody desires to have actually custom
made covers. When these are put in, they do not should be just plain aged covers of plastic or
concrete. Homeowner can be imaginative while setting up the same. Atop the covers, one could
keep potted plants, flowers and even increase bushes.
For every person's comfort, it ought to be taken note that in many homes, the septic tank opening
up usually perform ground degree or lower than ground level. It is not hassle-free to put up
fabricated covers at this level so home owners could put up risers before putting Septic Tank
Price. This is much more convenient. Business likewise manufacture and offer riser covers so a
property owner could obtain that quickly.
Homeowners are encouraged to discover a professional to put in the cover to make sure that no
mishap occurs. Price for putting in Septic Tank Covers might be a little over one hundred dollars.
There may be surcharges if a professional is hired. The point here is to make certain that the
location does not appear messy. So, investing some more does not matter if the location looks
Once the Septic Tank Installation are installed, a property owner should ensure that the septic
tank site has a clean and appealing appeal. One can arrange the spot from time to time to provide
a different look.
Related documents
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Remote learning and VLE login issues
The school will continue to provide study materials to support your child's learning and progress via the schools VLE (Virtual learning environment) during the time that it is necessary for your child to be learning from home. A parental guidance sheet has been created to support parents with these remote learning tasks and other home learning ideas.
Remote learning tasks for each year group are provided on the schools VLE and Google classroom. Your child has a VLE login and will need to use this to access and complete the work set by their teachers. Whilst your child is studying from home the school's expectation is that your child should complete all of the work that has been provided in a timely manner. Your child should also read fiction and non-fiction books, as well as revise the work that they have already done this year in preparation for the school exams.
If there are any issues with logging on to the schools VLE please contact email@example.com
An overview of the remote learning tasks set for each year group can be accessed by clicking the respective links below:


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Product Details
Perfect for a baby shower gift or newborn photos, Snuggle Hunny Kids jersey wrap and beanie sets are ideal for creating newborn memories and Insta-worthy pics.
Introducing the gorgeous new Eucalypt print. Following the trending Australiana theme, this print is divine.
The jersey wrap is made from 100% cotton jersey, which is stretchy and great for swaddling. The wraps are also great to use as a pram blanket, travel blanket or bassinet sheet.
Included in the set:
- 100cm x 100cm jersey wrap
- 1 x matching newborn beanie
Also available in the Eucalypt print is the Snuggle Swaddle Sack Gift Set and Milestone Cards
Tag us in your pics! @ellejboutique #ellejboutique
Care: Cold machine wash and always follow the manufacturers care instructions.
Product Reviews
Size Chart
Shipping & Returns
ShippingFREE 1hr Click + Collect from our Townsville Store.Flat Rate Shipping from $8.95. Express Shipping $12.95 FREE REGULAR SHIPPING on orders over $150.
All orders placed by 1pm AEST time Monday to Friday, will receive guaranteed same day dispatch.


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Rachel Beller, author of the upcoming book/bulimia enabler Eat to Lose, Eat to Win explains how she eats at holiday parties in a way that almost preserves the enamel on the back of her teeth.
If you ever, ever catch us trying to "improvise a salad" at a cocktail party, you have our permission to put us our of our misery right there. [What a Nutritionist Eats at a Cocktail Party]


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Upside Down Glasses Challenge
Today we're putting on these glasses that turn everything upside down and playing some games. Let's do that. ♪ (theme music) ♪ Good Mythical Morning. If you paid a little bit of attention in biology class, you probably know how the eyeball works. It sees something and then the lens in your eyes actually flips… Read More »


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Selected Publications
Sutro, Adolph. The Mineral Resources of the United States. Baltimore: John Murphy & Co., 1868.
Sutro, Adolph. Sutro Tunnel Company. New York, 1878.
Selected Bibliography
Aron, Joseph. History of a Great Work and of an Honest Miner. 1892.
Church, John. The Comstock Lode: Its Formation and History. New York, 1879.
Davidson, Russ. "Adolph Sutro as Book Collector." California State Library Foundation Bulletin 104 (2012).
Davies, David William. History of the Sutro Tunnel to Its Completion. M.A. thesis, University of California Los Angeles, 1940.
Jacobson, Pauline and Carl Glasscock. Miner, Merchant, and Mayor. San Francisco: Society of California Pioneers, 1933.
Henderson, Virgil Munroe . Sutro Tunnel. B.S. thesis, University of Nevada-Reno, 1912.
Lord, Eliot. Comstock Mining and Miners. .
Martini, John A. Sutro's Glass Palace: The Story of Sutro Baths. Bodega Bay, Calif.: Hole in the Head Press, 2014.
Stewart, Robert and Mary Stewart. Adolph Sutro. Berkeley, Calif.: Howell-North, 1962.


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Home Sweet Home! Adorable 3-2-2 home built in 2017! Located in a nice gated community in downtown Troup, Texas. This home offers a large kitchen with a spacious pantry, laundry room, nice size bedrooms, bathrooms, plus a very spacious master bedroom with master closet. You can relax while setting under a comfy covered back porch with fenced in back yard. The neighborhood is family-oriented with sidewalks, lots more! Come enjoy this quite NO hustle bustle country living atmosphere in Troup, Texas! Tyler is only 13.5 miles away. Super Cute!!!!
All data is deemed reliable but is not guaranteed accurate.


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On this week's show, Karl discusses what the bond market is telling us regarding a recession. Is the bond market right? Karl explains. Also, there's a bubble, but it's not in the stock market.
Welcome to Creating Richer Lives, where living a richer life goes beyond the balance in your bank account. In fact, it's about what you do with your dollars and how the choices you make with your money, not only define your lifestyle now, but impact your legacy for years to come. Whether you're working towards retirement or seeking ways to make philanthropy your goal, there is a road to get you there. It's time to redefine what it means to have a richer life. Welcome to Creating Richer Lives. Here's your host, Karl Eggerss.
Hey everybody. Welcome to the podcast. My name is Karl Eggerss. Thank you very much for joining me. Just a reminder, this show is brought to you by Covenant, Lifestyle, Legacy, and Philanthropy. If you need help from Covenant, anything financial in your life, you can go to creatingricherlives.com. Our telephone number, 210 526-0057 and just a reminder, creatingricherlives.com will continue to evolve.
You know, over the years, you've been accustomed to me bringing you information in different ways, articles, podcast and audio, some video. We're going to expand that and do more of that. We're going to bring on more guests just like we did last week. Last week, we had a lot of positive feedback when we brought on David Akright, CFP to discuss the SECURE Act, which probably is going to affect almost everybody listening at some point, if it goes through.
So that's something we're going to continue to do. So over the next few weeks, continue to watch for that. We're very, very excited about that. Well, let's jump right in here. What an interesting week it was, despite all the gyrations this week. The S&P 500 finished down less than 1%. We're still near all-time highs, but it feels much worse.
Why? Well, number one, the media, "800 point down day for the Dow Jones on Wednesday, the third or fourth worst point day ever," something like that. Those are eye-catching headlines until you look at the percentages, and while a bad day, we've had a lot worse days than that over the years. But let's get right into how we kind of got there.
Remember this started a few weeks ago, well really, this started in January, February of 2018. We've been going a year and a half now with this tariff talk and this trade war. That is a trade war and it's been going on for a year and a half and we really have not made any meaningful progress in the stock market since, but a lot of volatility.
But this week it was more of what we saw last week, which was, kind of a, depends on what day and time you're looking at the market to feel what kind of mood you're in. You know, in other words, do you look at it at 4:00 in the morning, which I do occasionally and did. Futures are way up and then there's a tweet or there's a comment from a Chinese newspaper and all the sudden the Futures moved three or four hundred points.
But this all is about trade. That's still the most important thing. Now, interest rates did get a lot of publicity this week, rightly so, but it's still about trade. But Monday we come in and see there was an election in Argentina, didn't go the way many thought. Their peso dropped 17%. Their stock market fell over 30% in one day. That's not something you see very often.
And, of course, we have the Hong Kong protest shutting down the airport. Again, not a driver of our stock market, but certainly doesn't help. But we started to see, the Trump administration said, "Hey, you know what? We're going to hold off." On, you know, Monday the market was down and then we come in Tuesday and the administration says, "We're going to hold off. We're going to hold off on the September 1st deadline," that we heard about a few weeks ago.
And so the Dow went up 400 points, wasn't the strongest rally in the world. In fact, we commented a little bit on that. That it didn't have the oomph. It didn't have, the internals weren't that great. It just felt like a relief rally and that's what it was.
And, Wednesday we get weak economic data out of China, weak economic data out of Germany and for the first time since 2007, yes, your ears are going to perk up when you hear that because anything… The first time since '07, we go back to that financial crisis and say "What was going on then?"
The first time we had a yield curve inversion on the twos, tens they call it on the street. Now before you turn off the podcast, what does that mean? Well, all that simply means is treasury bonds in the U S that are two year maturities are paying more than a 10 year maturity. That's not normal.
And the problem with it is that when it inverts like it did, it's called inverted, it sometimes leads to recession, not all the time. That's key. Not all the time, but sometimes, and it did it this week. So naturally the naysayers, the recession people, the bears are coming out saying, "Aha, we're going into recession.".
And the economy continues to slow. We've been saying that. We've been saying it's good but not great and it's slowing for months and that hasn't changed, but let's not extrapolate and assume it's going to continue to go down, down, down.
Why can't it just turn around later in the year? It very well could. And even so, this is the other thing, you look at when this yield curve inverts and everybody's panicky, and by the way the Dow Jones was down 800 points, which is about 3% on Wednesday. If you look at the stats, the stock market is typically higher a year later when you have that inversion.
And in a recession, even if it does occur, it doesn't occur for several more months. All recessions have been proceeded by a yield curve, but not all yield curve inversions have led to a recession. So you might have to hit the rewind. I'll repeat it. All recessions are proceeded by a yield curve inversion. So when you have a yield curve inversion, it doesn't necessarily lead to a recession. But we've never had a recession where you didn't have that.
And that's a big distinction. So just because we have a yield curve inversion does not mean we are guaranteed and destined for a recession. Is it more likely? Yes. Is the economy susceptible to shocks and potentially recessing? Yes. Are we overdue for a recession? Yes. Are recessions normal part of the economic cycle? Yes.
But we saw the Dow fall 800 points. It was a 90% down day. That essentially means it was an all or nothing day. It's the second one we've had. We talked about one the prior week. When you get those capitulation days, what you look for, and for those of you that have been listening 10 years plus, you know what you look for is, that's scary, but you got to see the other side. You got to see the demand side pretty soon. You got to see the intense buying.
And we saw a good day on Friday. We saw a good high quality day. But it, you know, we're not getting these 90% days. But could we get, you know, some good days strung together? Yes. And that's good. So you need to see after the, get me out, you need to see the panic buying, trains leaving the station. And that's usually, signals the bottom. And we saw it in December and we talked about in December and we saw it in early January. We got that combination.
So Wednesday was a big day and then Thursday more volatility, more trade news, up and down because you know this report came out, this report didn't come out or did from another source on trade. And then Friday, of course, we did get the solid day really on no news. That was a big driver. So the Dow Jones finished up about 300. So for the week, we did see the markets down less than 1% after that crazy ride.
By the way, many of you asking how my voice is doing, you can tell it's not 100% but it's a heck of a lot better than it was a couple of weeks ago. So I will continue to sip my coffee. You do the same.
Now here's what's interesting, we heard late Friday, that there's two things that jumped out. Well, number one, we have negative interest rates and in my estimation, a big bond bubble happening. I mean, bonds are being bought like there's no tomorrow. So the U.S. Treasury, late in the day on Friday said, and this was a report that came out from Bloomberg, "The U.S. Treasury to do market outreach again on ultra-long bonds.".
Remember there's countries around the world that are doing 100 year bonds. Why not? I would say, why not? If the appetite for our bonds are so good for 20 year bonds and 30 year bonds and 10 year bonds, why wouldn't you refinance that and go out a 100 years?
Why wouldn't you do that? If I could give you a 50 year mortgage for not much more, think how much lower your payment would be. Who wouldn't do that? Now, those of you that are opposed to debt, may not do that. But if the demand for our bonds are that good, why wouldn't the Treasury do it. So this is something that looks likely that we would have 40, 50 year treasury bonds. Could we have 100 year bonds? Maybe. Every other place is doing it in the world.
So that was a late, interesting little report coming out late in the day on Friday. We also saw yesterday that apparently on Wednesday when the market was falling, President Trump called three bank CEOs and they briefed him about what was going on. This is interesting, right, because we've heard this before. The markets, I mean, imagine if this was '08, the stock market fell 37% in one year. It fell 50%, around that, approximately from it's high.
We're down 3, 4, 5% off our high and he's calling in executives to brief him on what's going on. It's pretty clear what's going on. The economy's slowing. The Fed is dropping rates now. They can't fix everything. They're trying. He's hammering them, and we have a trade war going on.
So a trade war and an economy slowing and confidence falling, yeah, the market's going to be a little volatile. I'm actually surprised it's holding up as well as it is, given all that. But if we continue to get progress and there is continues to be rumors of a mini-deal, a partial deal, you know, excluding the intellectual property and the theft, if we get a mini-deal and not a comprehensive deal, that could be enough to keep us going in the right direction.
Earnings have been okay, but this bond situation is fascinating. These bonds look like tech stocks in the 90s. They're going vertical, so, you know, that's going to juice the economy in and of itself. People continue to borrow for real estate projects. I have friends that are CEOs, that are telling me and they're in very industrial type of businesses saying, "Things are still hopping.".
Now, some of that could be geographical, but the point is, is that those low interest rates don't hurt. But we still don't see any signs of a recession yet. And again, when you have some of these little warning signs, stock markets, the statistics show, there's several sources out there showing that the stock market has done very well over the next 12 months when we're in these same conditions.
So step back for a minute and exhale, because again, if you get too pessimistic here, you know what can happen. You get days like Tuesday, Dow up 400. You get days like Friday, Dow up 300. Things bounce back.
Again, quality as we move along, knowing what you own is very, very important. Not only knowing what you own in terms of quality and there's good deals out there right now, also avoiding things that are not good deals, and having a diversified portfolio, including things that may not have done well the last couple of years.
You know the things that have not done well are things that could do extremely well going forward. Return chasing and getting out of things that haven't done well in the last couple of years and getting into the things that have done the best is one of the worst things you can do. And be very careful about doing that and that's what a lot of 401k investors do. "Well this fund's done very well." Well it has, but that doesn't mean that you get to buy those old returns. You get to buy the forward returns and you don't know what it's going to do.
So look at the strategy and see if it makes sense. And again, it's part of a comprehensive plan, which speaking to that, switching subjects here, this is interesting, I had an email from a client who in his 401k, you ever log into a 401k and it, kind of, has this little calculator like, "Hey, we know your salary because you work here and you're this age." And it tries to do some kind of light retirement planning without knowing anything else about your other assets. Well, we have a client that has all of his 401k money, which is a small, small part of his net worth, is all in stocks.
And he got a letter, an email from the 401k provider, automated, of course, that says, "Greetings," doesn't, say "Salutations." "Greetings. During recent plan reporting, it was determined that a number of planned participant's equity allocation in the 401k is at a point that is considered quote, age aggressive. You have been identified as part of that population and we are reaching out to you to inform you of this.".
And it talks about, "You should go to our website and put a portfolio together that makes sense." Do they know that this is a small portion of his 401k, like his advisor knows? Do they know that he has kids in college? Do they know that he gets stock options given to him? Do they know that his wife works or does not work? Do they know any of this stuff? No. They don't know anything. They're using one of the dumbest tricks in the world, which is age to determine your risk.
I know people that are 100 years old and 100% stocks because they don't need the money. They're investing for the next generation. And this is the type of information, now, fortunately, he sent it to us and said, "Hey, look at this I got." And we said, "Yeah, we know you're a 100% stocks in your 401k or the majority of stocks because guess what? All the stuff outside of your 401k is more conservative." Do they know that? No, they don't know that.
The problem is when people get these emails, they dialed it back because the age aggressive, and now their allocation does not match what it should based on their plan. Because this 401k Consulting Company, they're not doing any financial planning. The little calculator on their website doesn't help. So be very, very careful about this. When people don't know the full pie, they're just looking at a puzzle piece or a pie piece. They're not getting the whole picture.
And this is why it's important to work with a financial advisor that knows your situation and knows the last three years, five years, 10 years, what's been going on with your family, knows your income, knows what your legacy goals are and knows your risk. To use age as a risk barometer is silly. It always has been. That whole thing about 100 minus your age is how much percentage you should have in stocks. You know, if you're 80 you should only have 20% stocks, without taking anything else in consideration is ridiculous.
So, careful with that. And I had never seen this before. This was a new one. I had not seen somebody emailing saying, "You've got the wrong allocation, based on your age." So be very careful because your 401k has to be allocated in conjunction with your IRAs, your Roth IRAs, your joint accounts, your trusts, your family, limited partnerships. Put all those together. That's how you start putting an allocation together. The 401K's just a piece.
All right, everybody have a wonderful weekend. Another cup of coffee going down the shoot for me. Don't forget 210-526-0057, our website creatingricherlives.com and our sponsor is Covenant. Thanks and have a great weekend, everybody. Take care.


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This Wednesday, 25th September, we're hosting an Edinburgh meet-up focusing on Basic Income and mental health. Our speaker for this meet-up will be Lily Asch, founder of Real Talk, a social enterprise dedicated to storytelling for mental wellbeing. We thought that made for a good opportunity to reflect on the things that discussions about mental health and Basic Income have in common.
Timothea Armour, CBINS blog editor
Lily set up Real Talk after a talk she gave as part of TEDxEdinburgh University about her own experience of mental illness. The talk was both cathartic and empowering for Lily and prompted others to start sharing stories about their experiences with mental health. The organisation's aim is not only to provide spaces like this, where people feel comfortable talking about their struggles, but to help them to literally take control of their own narratives through the medium of storytelling. Speakers at Real Talk's events have two sessions with a professional storyteller, crafting their experiences into a story and then have an opportunity to share that story with an audience.
The prioritisation of lived experience over data and statistics feels like a common thread between discussions of a Citizen's Basic Income and of mental health. When we talk about a 'Citizens' Basic Income' we mean that policy making must be responsive to the needs and desires of a population and developed in conversation with that population.
A Citizens' Basic Income and Real Talk share a similar ethos in that they are both founded on the idea that giving people more agency – in telling their story, in policy making, in how they choose to spend their time – is fundamentally important for their wellbeing.
As well as a sense of agency, a Basic Income would also be able to combat some of the issues that exacerbate mental health problems. When we are worrying about money we are distracted from and might, because of work, not have time to deal with or seek help for problems. Not to mention that financial pressure in itself is stressful and can lead to poor mental health. Moreover, having more time to spend with friends and family, is bound to be beneficial for mental health – we can take more time to support each other, or to take time out from work to recover, or just spend more time sharing and talking about our experiences.
You join the discussion with us at Woodland Creatures, 260-262 Leith Walk, on Wednesday from 18.30. More information about the event can be found here. Due to the subject matter we will do more than usual to create a safe space for discussion during this event.


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Amplify Your Thinking
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"you don't have to see the whole staircase before you take the first step"
Albert Einstein


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This week's One To Watch A.Smyth joined us in studio today to perform his new single 'Fever'' .
The Dublin singer/songwriter has descirbed the song as " a guide for our darkest moments, a song that says even if the world feels like it's closing in and the odds seem stacked against us - we'll persevere. And the light will always break-through in the end".
This week's One To Watch @asmythmusic performing his new single 'Fever' live on #PLANB - You can see him live in @whelanslive on the 14th of March 2019! pic.twitter.com/s47of5Ys0j
— SPIN 1038 (@spin1038) 19 January 2019
A. Smyth will be headlining Upstairs at Whelans on 14th March. Tickets on sale Wednesday at 9AM from Whelanslive.com
Listen back to his full performance and interview here:


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Search the Community
Showing results for tags 'concrete'.
Found 3 results
Concrete65 element
sruthisreechennapragada posted a topic in Altair HyperMeshConcrete is generally manufactured using solid65 element. Whereas i don't find any solid65 element in hypermesh. Which element should i use and what are the changes to the element that can be done.
modelling of reinforced concrete cement block
gopal_rathore posted a topic in Altair RADIOSSHi, I m working on crash simulation which involves a reinforced concrete cement block at the foundation. Currently I have made a solid block for representing concrete and removed tmr rods solid part fomr it. Is this is the methodology or any other to be used? In case of any reference file kindly share I have attached the image of reinforced rods structure over which concrete will be poured. Thank you
Hello there, I'm trying to develop a study with the RL-GO solver, so I also need to run a "pre-study" to create the .tr file for the medium. One of the parts in question is made of construction_concrete. In the "pre-study" I'm creating a layered structure of 5mm per side with the following properties: Thickness: 0.1mm (due to WARNING 2757: A triangle is too thick as compared to the lateral dimensions for application of the skin effect approximation) Dielectric material: Construction_concrete_block As the Example H05. Jerusalem_Cross_FSS specifies, I'm including a two dimensions PBC with 5.2mm per side, the operating freq. is 77GHz and running the solver the following WARNING appears: WARNING 49005: Reflection/transmission not defined due to possible grating lobes. I reviewed other similar questions here at the forum (Interpretation of the near field) and one of the alternatives is to move the measurement of the transmission/reflection coeff. to 10 wavelengths, lambda=c/f, 3x10^8/77=3.896mm. If I request the transmission/reflection coeff. at: X: 4mm Y: 0mm Z: 0mm the WARNING still appearing. I think using near field request for "Calculate only the scattered part of the field" is not the more appropriate alternative since my full model intended to run with RL-GO is in meters. Should I change something on the study definition? Or this is something I can take as an "acceptable" WARNING? Should I change the solver for the full model? Thanks for your support on this, -David