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Honourable Speaker,
All protocol observed.
In a country well governed, poverty is something to be ashamed of.
In a country badly governed, wealth is something to be ashamed of.
Reducing poverty is seen as the world's greatest challenge and in South Africa, it is counted as one of the country's triple threats, the other two being unemployment and inequality.
During the last few years, South Africa experienced an economic roller coaster ride as a combination of internal and domestic factors such as low economic growth, continuing high unemployment levels, low commodity prices, higher food and energy prices, lower investment levels, greater dependency on credit and policy uncertainty prevail.
This period has seen the financial health of South African households decline under the weight of these economic pressures and, in turn, pulled more households and individuals down into poverty.
According to new data released by Stats SA, poverty is on the rise in South Africa.
The latest "Poverty Trends in South Africa" report, shows that despite the general decline in poverty between 2006 and 2011, poverty levels in South Africa rose in 2015. This means that more than half of South Africans were poor in 2015.
21% of South Africans live in extreme poverty and not able to pay for basic nutritional requirements.
37% of people don't have enough money to purchase both adequate food items and non-food items so they have to sacrifice food to pay for things like transport and airtime.
Only 53% of people can afford enough food and non-food items but fall under the widest definition of poverty in South Africa, surviving on under R779 per person per month.
There can surely be no greater indictment on any government's performance than that the number of people living in poverty is actually rising on their watch.
After all, the primary objective of being in government must be to improve the lives of the poor.
Within the above context, the government of the day has a constitutional obligation to contribute to improving the quality of life of the poor, the vulnerable, the destitute and the marginalized.
The Eastern Cape Department of Social Development has a responsibility to provide a comprehensively integrated, sustainable and quality social development service within the spirit of Batho Pele, to help uplift the poor and vulnerable.
The report tabled today by the committee chairman indicates that substantial efforts have been made by the department to try and facilitate a better life for all in the Sarah Baartman District.
The district comprises of seven local municipalities with a total of 73 wards spread over 58 243 square kilometres.
The department is available and rendering various social services to over 450 000 inhabitants, which equates to 6.8% of the province's total population.
A total of 327 staff members work in this area under difficult working conditions, as stated in the report, through 16 service offices, three area offices and one district office.
Honourable Speaker, the DA is of the view that the budget allocation for the Sarah Baartman district requires serious review, as the real cost to deliver services are amplified by rising consumable costs, population density and geographic size.
The department has spent close to R50 million on funding 218 non-profit organisations to deliver social welfare services, services to children and families and restorative services on its behalf.
The rollout of social grants in the district did assist the people of the area but the unemployment rate of 20.3% or 30 000 unemployed people still remains stubbornly high.
The portfolio committee members had oversight of eight projects that dealt with Sustainable Livelihoods, Child and Youth Care Centres and Victim Empowerment programmes.
In terms of the report, an amount of R3.5 million was transferred by the Department to nine projects to help and uplift local people's lives in Klipplaat, Humansdorp, Grahamstown and Nelson Mandela Bay for the last financial year.
The value for money spent compared to returns is questionable in this regard, as many projects under the different programmes struggle to bring to life the purpose of these projects.
Honourable Speaker,
The Democratic Alliance is of the view that the majority of funded projects as tabled in the report still struggle with the following aspects:
- Lack of proper market research to find a niche market.
- Lack of comprehensive adequate business plan development.
- Lack of becoming self-sustainable due to the lack of business skills.
- Infighting amongst cooperative members.
- They struggle to understand and follow legislative prescripts.
- Lack of fundraising skills to carry them through difficult periods.
- In many cases, one would notice that the youth are absent while middle and elderly aged women are seen to be more proactive in the projects and programmes in this district.
- Lack of matching products produced by cooperatives to market needs and specifications.
- Lack of inter-governmental support or IGR to projects or programmes.
- The lack of immediate profits to satisfy the youth's instant materialistic gratification for "now" as they are not willing to wait to reap the rewards of the project is disheartening.
- Serious lack to combat theft and corruption within projects.
The DA believes that to set up effective social protection projects and programmes, it must be closely linked to the need to reduce corruption, as people are losing faith in the institutions tasked with implementing social protection policies.
Our country's first democratically elected and late President, Nelson Mandela said; "Overcoming poverty is not a task of charity, it is an act of justice."
The South African government earned R1.22 trillion in income tax during the 2014/15 fiscal year.
This is a lot of money!
To illustrate the amount of cash, visualise R200 banknotes stacked in bundles of 1 000 notes each, the bundles laid side by side, would cover an area equivalent to eight rugby fields.
Expressed in national functional departmental budget terms, social protection got R183 billion or 13% of the national budget.
Now that's a lot of money! So, show me the money!
It is estimated that South Africa has lost R700 billion or 20% of GDP over the last 20 years due to corruption in the public procurement system.
To the people involved in corruption, I have this to say: wealth is not to feed your egos, but to feed the hungry and to help people help themselves out of poverty.
If corruption and financial mismanagement continue, South Africans will be reluctant to pay their taxes, and if their money is not used responsibly in an open and transparent manner by officials with real tangible benefits to the poor, then politicians will feel the anger and be punished at the ballot box come 2019.
So in the infamous words of Desmond Tutu; "Watch out, watch out, watch out ANC, watch out".
Honourable Speaker and Members, the best way to find yourself is to lose yourself in the service of others.
Helping people makes this world a better place.
And, yes, we can't help everyone, but everyone can help someone.
You must help today because tomorrow you may be the one who needs to be helped.
I support helping the needy. I oppose funding the lazy.
No matter how educated, talented, rich, or cool you believe you are, how you treat people ultimately tells all.
Integrity is everything!
Does the ANC of today still have integrity or are they faced with a continuous integrity deficit?
In closing Honourable Speaker, as representatives of the people in this House, we are paid to ask difficult questions.
My question to the MEC of Social Development through you, Madam Speaker, is as follows;
Does poverty lead to a negative state of mind, or does a negative state of mind lead to poverty? Or are the two connected at all?
The DA supports the findings and recommendations contained in the report.
I thank you.


text: BUSINESS Music will play a dirge for next four years 5:00 AM PDT 6/19/2008 by Antony Bruno , AP FACEBOOK TWITTER EMAIL ME Empty A new report from PricewaterhouseCoopers predicts that combined global spending on recorded music in all formats will fall from $33.4 billion worldwide in 2007 to $32.5 billion by 2012, a 0.6% compound annual decline.Latin America and Asia are expected to see gains, driven mostly by digital formats, but declines in the U.S. and the rest of the world will offset that positive note, the report said.Not surprisingly, digital formats are expected to explode in that time. Global spending on digital music formats is predicted to reach $18.8 billion by 2010, more than doubling the $7.3 billion last year, a more than 20% compound annual gain. Asia is expected to contribute $7.5 billion to the 2012 digital total, the U.S. $5 billion, Latin America $1 billion and almost $5 billion for the rest of the world.PwC said digital revenue will overtake physical revenue in Asia by next year, Latin America by 2010, by 2011 in North America and in 2010 for the rest of the world.In the near term, single-track sales remain the dominant component of digital sales, at $802 million, but album downloads increased 54% year-over-year in 2007. The company expects single downloads to grow to 1.9 billion a year by 2012 to $2.2 billion worldwide, while album downloads will rise to 120 million units a year to $1.2 billion. The study predicts that tracks will cost more in the near future, to an average of $1.15 by 2012, while albums will average $10.15.Antony Bruno is a contributor to Billboard. FACEBOOK TWITTER EMAIL ME Antony Bruno email@example.com @thr AP firstname.lastname@example.com @thr

subset: commoncrawl


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It is no secret that bathrooms are our least favourite places in our homes to clean. But if you think about it, bathrooms are also the most relaxing spaces in our home. It therefore, makes every bit of sense to ensure they're neat and tidy. Who wants to ruin their bathroom sanctuary with clutter after all?
You don't need a huge budget, or even a builder to organise your bathroom. The following ideas will transform it and create additional storage space
1. Use a Travel Container to Store Hair Accessories
You know how hard it is to organise all those hair accessories, whether in the bathroom or elsewhere in the house.
However, you can use travel size containers to keep them together and on hand when you need one.
2. Using a Sliding Organizer Under the Sink
It's easy to ignore the space under the sink. If you use the area for storage, a slide-out mesh basket keeps everything visible and accessible.
3. Use Baskets to Stash Bath Toys
Bath time is always fun, bath toys scattered all over is not. Why not attach baskets to your shower rod and use them to store toys safely away after bathtime?
4. Organize your Medicine Cabinet
Medicine cabinets are other areas in the bathroom that are forgotten when tidying up. Go through your bathroom cabinet regularly, checking for out of date medicines and throwing them away when necessary.
5. Using Matching Bottles for Shower Essentials
Having all your shower essentials such as shampoos and conditioners in matching containers helps in making your bathroom space feel comfortable. Matching cool such as blue throws in a bit of a luxurious feeling into your morning shower – it couldn't be more fun.
6. Toilet Paper Rolls in Baskets
Toilet paper rolls lying everywhere in the bathroom is not something that adds aesthetic appeal to a bathroom. Why not pop them into a basket? Out of sight, but within easy reach.
7. A Ladder for Towels
The bigger the household, the more towels there will be. Why not use a ladder style shelving unit to free up space while creating a large storage area.
8. Using Flower Pots and Bins to Organize Drawers
Bathroom drawers are often in disarray. Change that by dividing the space into smaller areas to limit movement of items when you open and close the drawers. Unused flower pots and bins will do the trick.
9. Baskets Above the Toilet
Installing a basket above your toilet can help make the most of your space. Or hang the basket from towel bars and use them to store different bathroom accessories.
10. Mason Jars for Wall Storage
Don't clutter the sink space with different bathroom accessories. It is not only unappealing but makes using the sink harder. Don't waste this space. Secure mason jars with hose clamps and stash nail cutters, nail scissors, toothbrushes and brushes in them.
Bathrooms should be spaces for destressing after a chaotic day at work. Make sure it's the sanctuary it should be.
In order for me to support my blogging activities, I may receive monetary compensation or other types of remuneration for my endorsement, recommendation, testimonial and/or link to any products or services from this blog. Read my full disclosure policy here.*


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How much time will it take to apply for a loan?
What is the processing time?
What is unique about SmallBorrowing ?
SmallBorrowing is a company with the strong strategic financial partnership. We are not a loan agent. One does not have to keep any collaterals, mortgage or gold against the Loan moreover the repayment is simple & easy. The Loan gets approved immediately in case the criteria & KYC is met from your end.
What is the eligibility criteria and what are the documents your require?
Documents you need handy :
How is the Re-Payment done?
-Re-payment is done in 24 equal EMI from your salary account-
We do not use or share your personal information beyond the purpose of assessing your loan application.
128 bit SSL encryption. We use bank level security to keep all your data secure
Call us on 6262979762 or Whatsapp
on +91 6262979762


text:
0.16cts Round Diamond & Ruby Half Eternity Ring
Round Diamond and Ruby half set eternity ring, featuring a claw setting holding 0.16cts of diamonds and 0.21cts of rubies within a 2mm ring design.
0.16cts Round Diamond & Ruby Half Eternity Ring
Round Diamond and Ruby half set eternity ring, featuring a claw setting holding 0.16cts of diamonds and 0.21cts of rubies within a 2mm ring design.
0.16cts Diamond and Ruby Half Eternity Ring
Set with alternating Round Brilliant cut Diamonds and Rubies, this design captures the true luxury of both gemstones by combining them into one design. Each beautifully cut gemstone is precision set in a secure claw setting, with the approximate total carat weight of each being 0.16cts of Round Brilliant cut Diamonds, and 0.21cts of Round Brilliant cut Rubies. The Diamonds within the design have been expertly graded F Colour and VS1 Clarity prior to being set into the design. The Eternity Band itself is a 2mm wide court profile band, which is stylish yet remarkably comfortable. This design can be beautifully finished in a range of precious metals including 18ct Yellow Gold, 18ct White Gold, 950 Platinum and 950 Palladium. Please allow us approximately 3-4 weeks to craft your ring for you, and it will be delivered straight to your door by a secure courier, presented in our luxurious Serendipity Diamonds packaging.
Delivery to Australia
All deliveries of diamond wedding rings and diamond eternity rings to Australia are sent by Fedex. We include all shipping and duty before you make payment so that all you need to do is await your parcel and sign at the door. All items are exquisitely boxed in a presentation box, within a secure, rigid outer box. We send all items under plain cover and fully insure your parcel until it arrives.
Get in touch for friendly advice.
If you need any advice about any of our diamond wedding or eternity rings or products, please get in touch for some friendly, expert advice. We are available online and by phone, or send us a message through our online chat system.
Do you need a finger size tool?
Order our handy Multisizer to estimate your correct finger size. All of our Multisizers include UK sizes and are fully refunded once your final order is placed.
Diamond Wedding Rings & Eternity Rings
Many buyers ask us the difference between diamond eternity rings and diamond wedding rings. Our collection is divided into both categories to make searching easier. Most of our designs are, however, versatile. They can serve the purpose of either a diamond set wedding ring or a diamond eternity ring depending on the occasion.
Relax when you purchase with....
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text:
The effect of nitrification inhibitors on nitrous oxide flux from haplic luvisol soil of DASA® 26/13 and ENSIN® fertilisers in a laboratory experiment
¹Slovak University of Agriculture in Nitra, Faculty of Engineering, Department of Machines and Production Systems, Tr. A. Hlinku 2, 94976 Nitra, Slovak Republic; *Correspondence: firstname.lastname@example.com 2Slovak University of Agriculture in Nitra, Faculty of Engineering, Department of Production Engineering, Tr. A. Hlinku 2, 94976 Nitra, Slovak Republic 3Czech University of Life Sciences Prague, Faculty of Engineering, Department of Agricultural Machines, Kamýcká 129, 16521 Prague, Czech Republic
The aim of the paper was to compare the effects of two very similar fertilisers on nitrous oxide (N2O) flux from soil to the atmosphere in laboratory conditions. The following fertilisers were used: granulated nitrogenous fertiliser DASA® 26/13 with the nitrogen content of 26%, sulphur content of 13%, and nitrogen fertiliser ENSIN® with the nitrogen content of 26%, sulphur content of 13% and nitrification inhibitors dicyandiamide DCD and 1, 2, 4-triazole (TZ). Both fertilisers are produced by the same manufacturer, DUSLO, Inc., Šala, Slovakia. For both fertilisers, there variants of experiments were carried out for application rates equivalent to 0, 250 and 500 kg ha-1. The amount of the N2O emissions released from soil to the atmosphere was measured by a photo-acoustic field gas monitor INNOVA 1412 connected to a multipoint sampler INNOVA 1309. The experiments were conducted for 30 days in laboratory conditions. The fertiliser was incorporated into the soil in sampling tubes to a depth of 80 mm after 24 hours of measurement. Subsequently, after every 24 hours of measurement, another 48 hours was carried out, and this measuring cycle was repeated 10 times. The results of our experiment have confirmed that the fertiliser application rate and type of the fertiliser used have a significant effect on N2O flux and have confirmed the importance of accurate and uniform application of fertilisers in field conditions in order to eliminate the negative environmental effects.
Key words:
application rate., fertilising, nitrification inhibitors., nitrous oxide, soil emissions


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King receives Israeli Labour Party leader
His Majesty King Abdullah on Monday received Israeli Labour Party leader Avi Gabbay and discussed developments in the Palestinian-Israeli peace process.
King Abdullah stressed the need to revive the peace process, based on the two-state solution, and in accordance with international law and relevant UN resolutions, as well as the Arab Peace Initiative, leading to the establishment of an independent Palestinian state on the 4 June 1967 lines with East Jerusalem as its capital, living side by side with Israel, in peace and security.
His Majesty affirmed that the subject of Jerusalem must be settled within the framework of final status issues, on the basis of the two-state solution.
The King underlined that Jordan will continue undertaking its historical role in safeguarding Islamic and Christian holy sites in Jerusalem, in line with the Hashemite Custodianship.
Chairman Gabbay said he is grateful for the peace between Israel and Jordan, and thanked the King for his continued efforts to promote stability in the region.
Gabbay expressed his commitment to achieving peace between Israel and Arab countries based on the two-state solution as the best way to bring peace and long-term security to Israel.
Adviser to His Majesty and Director of the Office of His Majesty Manar Dabbas attended the meeting.


text:
Five tips for homeowners taking pics for advertising
For homeowners taking photos of their homes for advertising on the internet, photographer Roger Metcalfe offers the following advice:
◆If you are using a cellphone, clean the lens with a soft cloth. Marks on the lens can make the difference between a muddy image and a crisp one.
◆Always allow maximum light to fill the space so open curtains and switch on lights.
◆Balance interior with brighter exterior light, as seen through windows and doorways. If you fail to do this, exterior scenes are easily lost to over-exposure, especially if you set the camera to auto.
◆Keep the camera level, which may sound obvious, but in a room with different angle walls, finding the horizontal line can be deceptive.
◆Windows naturally draw the eye to the exterior so clean window glass is imperative as windows are an inevitable extension of the lens. In addition, all mirrors must be spotless.


text:
2019/20 Budget speech
- Written by The Observer Team
Minister of Finance Matia Kasaija read out a Shs 40.5 trillion for financial year 2019/20 with Works and Transport, Defence and Security and Education sectors taking the lion's share of the budget. Kasaija said the budget is themed on industrialization for job creation and shared prosperity.
According to Kasaija due to the progress in economic growth, the average incomes of Ugandans has increased to $825 per person in FY 2018/19, compared to $800 in FY 2017/18. The minister said the country's export performance has been excellent, with diversification leading to nontraditional cash crops earning the country $2.84 billion (about Shs 7 trillion) in last financial year,compared to the traditional cash crops, which earned $0.79 billion.
Kasaija said Uganda's trade with East Africa Community (EAC) partners has significantly improved generating a surplus of $557m last year. The composition of exports has also changed positively with exports of light manufacturing products exceeding traditional merchandise.
Related Stories
The minister highlighted unemployment, income inequality and malnutrition and living unhealthy lifestyles as the top most development challenges affecting the country. With approximately 600,000 new entrants into the job market every year the demand for jobs is even higher, said Kasaija. 4 out of 10 young Ugandans are out of work and furthermore, the quality of jobs is of concern to government. Kasaija also pointed out that income inequality has widened between rural and urban areas, as wealth has not been created faster in rural communities in comparison to urban areas.
Below is the link to the full speech (40 pages, pdf).
FY 2019-20 Budget Speech by The Observer Media Ltd on Scribd


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Resene Multishield+
Resene Multishield+ - clear protection
Resene Multishield+ is a waterborne clear glaze commonly applied over waterborne systems to increase their durability, extending the life of the system and helping to prevent chalking of the paint film. It is often used as a clear glaze over Resene Aquapel (see Data Sheet D65) on masonry bricks, stonework and fibre cement sheeting.
Resene Multishield+ must be spray or brush applied as rolling can cause foaming resulting in a milky rather than clear finish. Available in flat, satin and gloss variants, Resene Multishield+ will not yellow with age and may be easily overcoated with other waterborne finishes.
Product Data Sheet: D54a
Specify: See Specification 20e/i for Resene Multishield specifications over textures and specialist coatings.
View Resene Multishield+ project examples online:
More Resene projects are available for viewing in the Products in Action gallery.
View relevant Architects Memos:
Can't find what you're looking for? Ask us!
We would love to hear from you if you wish to use Resene's images, information and ideas for social medial, blogs, newsletters and other media use. Please email email@example.com and let us know what you need, what it is for and how Resene will be acknowledged as the source of the content. We are happy to assist with most requests.
Our vision is to be respected as a trusted, ethical and sustainable company and acknowledged as the leading provider of innovative paint and colour technology. View Resene's profile, Quality Policy, Environmental Policy and Health & Safety Policy.
Any personal data, such as name, address, phone, email details, supplied to Resene for the purposes of receiving newsletters, orders etc will be retained by Resene Paints Ltd and used only by Resene Paints Ltd and its trusted agencies for the purposes of communication/promotion/providing service to you. We do not sell, trade or otherwise transfer your personal data to outside third parties. If you wish to opt out of communication from Resene please complete our contact us form. View our full Privacy Policy.
Colours shown on this website are a representation only. Please refer to the actual paint or product sample. Resene colour charts, testpots and samples are available for ordering online. See measurements/conversions for more details on how electronic colour values are achieved.
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Autoscaling algorithms for elastic cloud infrastructures dynami-cally change the amount of resources allocated to a service ac-cording to the current and predicted future load. Since there areno perfect predictors, no single elasticity algorithm is suitable foraccurate predictions of all workloads. To improve the quality ofworkload predictions and increase the Quality-of-Service (QoS)guarantees of a cloud service, multiple autoscalers suitable for dif-ferent workload classes need to be used. In this work, we intro-duce WAC, a Workload Analysis and Classification tool that as-signs workloads to the most suitable elasticity autoscaler out of aset of pre-deployed autoscalers. The workload assignment is basedon the workload characteristics and a set of user-defined Business-Level-Objectives (BLO). We describe the tool design and its maincomponents. We implement WAC and evaluate its precision us-ing various workloads, BLO combinations and state-of-the-art au-toscalers. Our experiments show that, when the classifier is tunedcarefully, WAC assigns between 87% and 98.3% of the workloadsto the most suitable elasticity autoscaler.
This thesis studies cloud capacity auto-scaling, or how to provision and release re-sources to a service running in the cloud based on its actual demand using an auto-matic controller. As the performance of server systems depends on the system design,the system implementation, and the workloads the system is subjected to, we focuson these aspects with respect to designing auto-scaling algorithms. Towards this goal,we design and implement two auto-scaling algorithms for cloud infrastructures. Thealgorithms predict the future load for an application running in the cloud. We discussthe different approaches to designing an auto-scaler combining reactive and proactivecontrol methods, and to be able to handle long running requests, e.g., tasks runningfor longer than the actuation interval, in a cloud. We compare the performance ofour algorithms with state-of-the-art auto-scalers and evaluate the controllers' perfor-mance with a set of workloads. As any controller is designed with an assumptionon the operating conditions and system dynamics, the performance of an auto-scalervaries with different workloads.In order to better understand the workload dynamics and evolution, we analyze a6-years long workload trace of the sixth most popular Internet website. In addition,we analyze a workload from one of the largest Video-on-Demand streaming servicesin Sweden. We discuss the popularity of objects served by the two services, the spikesin the two workloads, and the invariants in the workloads. We also introduce, a mea-sure for the disorder in a workload, i.e., the amount of burstiness. The measure isbased on Sample Entropy, an empirical statistic used in biomedical signal processingto characterize biomedical signals. The introduced measure can be used to charac-terize the workloads based on their burstiness profiles. We compare our introducedmeasure with the literature on quantifying burstiness in a server workload, and showthe advantages of our introduced measure.To better understand the tradeoffs between using different auto-scalers with differ-ent workloads, we design a framework to compare auto-scalers and give probabilisticguarantees on the performance in worst-case scenarios. Using different evaluation cri-teria and more than 700 workload traces, we compare six state-of-the-art auto-scalersthat we believe represent the development of the field in the past 8 years. Knowingthat the auto-scalers' performance depends on the workloads, we design a workloadanalysis and classification tool that assigns a workload to its most suitable elasticitycontroller out of a set of implemented controllers. The tool has two main components;an analyzer, and a classifier. The analyzer analyzes a workload and feeds the analysisresults to the classifier. The classifier assigns a workload to the most suitable elasticitycontroller based on the workload characteristics and a set of predefined business levelobjectives. The tool is evaluated with a set of collected real workloads, and a set ofgenerated synthetic workloads. Our evaluation results shows that the tool can help acloud provider to improve the QoS provided to the customers.


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I have been asked about OFAR (combined oxaliplatin, fludarabine, cytarabine and rituximab) There is one paper at ASH from MDACC on OFAR used as salvage therapy in patients with del 17p. There were no CRs among the 28 patients, but the overall response rate was 39%. The median overall survival was 16 months.
There is a published Phase 1/2 trial of OFAR in JCO, also from MDACC, on the treatment of CLL patients either refractory to fludarabine of with Richter's syndrome (RS). The overall response rates were 50% in RS and 33% in fludarabine-refractory CLL. The median response duration was 10 months.
The dose of oxaliplatin used in OFAR is far less than is used in FOLFOX regimens for colon cancer. At the lower dose the peripheral neuropathy should not be a problem.


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I've been on a #healthkick this year… well sorta kinda lol. If you check ou my YouTube channel you can see my videos referring to my fitness goals for the year! I wanted to talk about a Zumba class that I recently attended in hopes of staying active and leading a healthy lifestyle. After reposting a funny but relevant meme on my Instagram a friend of mine and I decided we needed to attend a Zumba class. After searching for a bit my friend stumbled upon a Fit4Dance Groupon. We checked out the website and noticed that your first class is free if you sign up for the mailing list! We were sold! Fit4Dance has multiple classes weekly at different locations throughout Brooklyn and Manhattan. We decided to attend the Saturday morning class in Brooklyn… while it was a struggle to wake up and leave my house early on a Saturday,…
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Teaching others how to manage their health is not always easy, but teaching youth about disease management can be especially tricky without the proper communication techniques. How do you simplify complex medical information in a way that can be easily retained by children and teenagers? As an asthma health educator at Respiratory Health Association, I serve students by teaching them about asthma; specifically, how it affects their bodies, and how to prevent asthma flare-ups. It is important to be clear and creative in my communication when presenting material on asthma management to students, which requires more practice of the material. If I am able to effectively communicate with students, then this allows them to gain the knowledge on asthma and successfully manage their own health.
In order to be prepared to communicate effectively with students, RHA's asthma health educators participate in extensive training sessions to develop clear and creative talking points to use while presenting to the students or community members who don't have detailed knowledge about asthma. At first, it was difficult for me to understand why it was necessary to train for such a long period of time. However, after further reflection it was clear that it was necessary to practice these skills to better inform the children, teenagers, and school administrators who might not feel equipped to deal with chronic health issues, such as asthma. After my first presentation, I was grateful for the time spent correcting mistakes and practicing new ways to effectively the material. The information seamlessly moved from my mouth as I observed the expressions of understanding across my audience's faces.
Similarly, it was rewarding to see the same reaction when I spoke to local students a few weeks later about how smoke and cigarettes can affect their asthma. During training, we discussed what we believed were the most important topics to address during this section of the program, such as the tobacco industry and marketing tactics that aim to increase smoking amongst teens. Then, during our conversation, my students and I were able to have an engaging discussion about these issues. They had many great follow-up questions about smoking and its effects on asthma and their overall health. If I did not use relatable language and examples that encouraged them to participate in the discussion and voice their opinions, my students might not have learned the necessary information to help them make informed decisions about smoking.
Serving as an asthma health educator has taught me to be mindful of the language I use when communicating with my students about their health. I look forward to reaching more students to help them successfully fight their asthma and encourage them to advocate for their own health. As a future physician, these experiences from my year of service will be invaluable as I continually hone my communication skills to better serve my patients.
This blog post was written by 2018-19 NHC member Sandra Folarin.
Sandra is a Health Educator at Respiratory Health Association.


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The most important bit of equipment in your grow room is your light.
Why? Light is your plants food, you need to feed your plants high quality food for them to produce high quality yields.
LED lights for weed are now considered the best lighting option by most growers due to their energy efficiency, durability and full spectrum.
However, with all the options and technical jargon, finding the right light for your project can feel a little overwhelming.
Today, we're going to answer a question we often get asked…
What Size LED Grow Light Do I Need?
To work out what size of LED grow light you need, you first need to calculate the exact size of your grow space.
The Size Of Your Grow Space
When growing cannabis, a good rule of thumb is to use a minimum of 50 watts of light per square foot of grow space. We want to flood our plants with light ( food ) so that they have lots of energy to produce big potent buds.
Therefore, we need to calculate the square footage ( length x width ) of our grow space. We'll then multiply this number by 50w to give us the rough wattage of light we require.
EXAMPLE: I have a grow space that is 2ft long and 3ft wide. This gives me a square foot grow space of 6 ( 2ft x 3ft ). I then multiply this number by 50w, which gives me 300w. Therefore, in this example, I would require an LED grow light that was at least 300w.
How Many Plants Can I Grow?
In general, each cannabis plant you grow requires at least 1sq ft of space. After germination, I like to pot one plant in a large 5 gallon fabric container, which has a diameter of roughly 1 sq foot. My plant will stay in this pot until it flowers.
This allows the plant to grow big and strong without other plants or tent walls obstructing its progress. Using this as a guideline, I would be able to grow between 1-6 plants in my example above.
Most LED grow lights usually be able to cover about 1- 6 plants. If you want to grow any more plans than this, I'd purchase multiple lights to hang side by side ( called daisy chaining ) to cover the canopy and ensure each plant is getting enough light.
The table below shows how the power of grow light you require increases with the size of your grow space. I've also included how many plants each size of grow light will be adequate for.
Note: 1 sq ft grow space = 50 watts LED grow light
|Grow Space Size
|Minimum Number of Watts Required
|Number of Plants You Can Grow
|2 sq ft (2×1)
|1-2 plants
|4 sq ft (2×2)
|1-3 plants
|6 sq ft (2×3)
|1-6 plants
|9 sq ft (3×3)
|1-9 plants*
|12 sq ft (3×4)
|1-12 plants*
|16 sq ft (4×4)
|1-16 plants*
|20 sq ft (4×5)
|1-20 plants*
* The size of the grow space in these situations will require you to purchase multiple lights to hang side by side to ensure the entire canopy is receiving light.
Note: The values above are for flowering. During the vegetation stage, you will require around half the power ( 25w ) Most good quality LED grow lights come with "Veg and Bloom switches" that optimise the lights intensity for the vegetation and flowering stages.
Understanding PAR Output
You've probably heard about PAR. In simple terms, It's the part of the light spectrum that your plants use for photosynthesis. So It's a pretty big deal. The higher the PAR output of your light, the more edible light your plants receive. Take a look at the table below for the optimal ranges of PAR for each stage of your plans life:
|Optimal PAR Output
|200-400 (μmol/m2/s)
|400-600 (μmol/m2/s)
|600-900 (μmol/m2/s)
Ideally, you want to pick a grow light that outputs PAR in the ranges above. This pretty much rules out any LED grow light below 300w, as they simply don't have enough power to generate the required levels of PAR. That said, keep in mind that these are optimal levels of PAR. Using a grow light that has less PAR output than these ranges will not be a disaster, you just won't max out the potential of your plant.
So, Which LED Grow Light Should You Pick?
If you're still unsure which LED grow light to go for, then I've written a detailed guide to the best LED grow lights which you might find helpful.
Alternatively, the three LED grow lights below are perfect for a small grow set up of between 1 – 4 plants inside a 1 sq ft – 4 sq ft grow space.
300w LED Grow Light
300w LED Grow Light
300w LED Grow Light
300w LED Grow Light
300w LED Grow Light
300w LED Grow Light
Final Thoughts
Hopefully this article has been able to shed some light ( pun intended ) on how to pick the correct size grow light for your project. As long as you know the size of your grow space and how many watts per square meter you need, choosing a an LED grow light is pretty simple.
If you have any questions at all about choosing a grow light, let us know in the comments below.
Good luck with your grow!
Last update on 2020-05-26 / Affiliate links / Images from Amazon Product Advertising API


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Junk diving in Thailand
New blue o two sailing vessel joins fleet
Ever fancied yourself as Roger Moore in the The Man With The Golden Gun? Well, now you too can sail the Thai coast in a junk.
Popular dive operator blue o two is offering diving holidays aboard a stunning junk called, er, S/Y The Junk – in collaboration with Worldwide Dive and Sail.
underwent a complete overhaul in 1997
Thailand includes more than 2,500kms of coastline which plays host to sandy beaches, sheltered bays and idyllic islands. In the southeast of the country are the stunning Similan and Surin islands where diving is truly astounding.
The Junk will run new four and six night 'Similan and Surin Islands' itineraries, taking in some of Thailand's incredible underwater spectacles. Several species of shark can be found patrolling the waters of the Similans, manta rays are frequently sighted and whale sharks make an occasional appearance.
There are plenty of smaller creatures too and on each dive, divers will discover several types of anemone fish, different species of ghost pipefish and seahorses as well as a fantastic array of molluscs.
Originally built in 1962, the 33m long S/Y The Junk underwent a complete overhaul in 1997 to prepare her as a liveaboard diving vessel. She can host up to 18 guests (but typically accommodates 12-14 divers), she has six air-conditioned and ensuite large cabins offering versatility for varying guest requirements.
Alongside the decadent interior, S/Y The Junk's top sun deck offers stunning panoramic views of Thailand.
For more info or to book a place aboard S/Y The Junk, contact the blue o two team on +44 (0)1752 480808 or email firstname.lastname@example.com.
Hopefully, there'll be no midget assassins hiding in suitcases onboard.
Sharm El-Sheikh flights resume from the UK
FCO advises tourism can begin again to Egyptian Red Sea resort
Tobago – £150 off with Oonas
Discount available for bookings made before 31 May 2019
Up to 70% off Bali with Werner Lau anniversary specials
Siddhartha and Alam Anda Resort price reductions
Scuba diving in Mallorca
Blue water fun on the popular Balearic island


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PPLD Historic Photo of the Day, 10/7/11: Skyline Drive
By Noel Black On October 7, 2011 · Leave a Comment · In A Big Something, Photography, PPLD Historic Photo of the Day
([Skyline Drive] by Harry L. Standley, date unknown. Courtesy of Special Collections, Pikes Peak Library District. Image Number: 001-2403.)
Narrow dirt road on top of rocky outcropping, identified on back as Skyline Drive near Canon City.
Click HERE to browse more historic images at the Pikes Peak Library District's Digital Photo Archive.
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Kibo Energy PLC. JSE: KBO
Background of Kibo Energy PLC
Kibo Energy PLC is a mineral exploration company that is focused on developing mineral rights and mines in Tanzania. The company is listed under the AltX division of the Johannesburg Stock Exchange (JSE) and the AIM division of the London Stock Exchange (LSE). Both of these divisions cater for start-up companies which has considerable assets, but not enough to be listed on the main board of a stock exchange.
Kibo is busy developing thermal coal power projects in Tanzania, Botswana and Mozambique. All of these countries provide a stable platform for the company to explore, develop and build coal mines that can deliver coal for combustion at local power plants. The company has also secured a spot in the UK reserve power market through negotiating a successful acquisition in a UK based power company.
Kibo Energy PLC Shares Growth Driver
Southern Africa is facing an energy shortage and Kibo Energy is making a name for itself through providing feasible and economical solutions to the problem. The company has an 85% share in the Mabesekwa Coal Independent Project, which is a coal power development project in Botswana. The project is currently still in at a feasibility level, but with a total coal resource of 777 million tonne, everything seems to be in place to go ahead and start the development of a coal mine that will produce 3.2 million tonnes per annum to a proposed 600 MW coal to power plant.
Kibo's biggest development is the Mbeya Coal to Power Project in southern Tanzania. The feasibility study has been finalised and the company has signed a purchase agreement with TANESCO, the Tanzanian state owned power utility. As part of the project's social responsibility, Kibo has already opened two classrooms at local schools, allowing locals access to formal education.
The company has large interests in the Imweru and Lubando Gold Project in the north of Tanzania. The project is in its final stages of development, with the company finalising the mine optimisation report and the mine design.
Kibo Energy PLC Group Investor Tip
Even though the company's coal resources in both Tanzania and Botswana are not on par with some of the larger coal resources in South Africa, the company is in an excellent position to provide Southern Africa with much needed electricity. Botswana has a much smaller population than South Africa and therefore does not need such immense amounts of coal to power their thermal coal electricity generating plants. Tanzania, on the other hand is in dire need of electricity and as such the Mbeya Coal to Power Project will definitely be a success. It might be true that the rest of the world is moving away from fossil fuels as energy source, but in Africa there is still a long way to go to provide the entire population with power, so for now coal is still a very attractive energy solution.
Mining and Exploration
Sub industry
Coal to Power, gold and platinum group metals
How to buy Kibo Energy PLC Group Shares
Kibo Energy PLC : How to buy Kibo Energy PLC Group Shares Online
We have made it simple to buy JSE listed firm shares online. The easiest way to buy Kibo Energy PLC Group shares or stocks is to; start by submitting the 'BUY THIS SHARE' form. Next, one of our experienced and certified stock brokers will personally get in contact with you to discuss your custom stock request. Finally, a stock advisor will confirm the amount of shares you are looking to invest in Kibo Energy PLC Group and assist you with the setup and management of your stock portfolio account.
Here are the steps you must follow to Buy / Purchase Kibo Energy PLC Group shares with utmost confidence:
- Start by Filling in the BUY THIS SHARE form.
- Insert your name, email, telephone number and monthly remuneration.
- Then, Indicate the amount you are looking to invest in Kibo Energy PLC Group.
- Click the " INVEST NOW" button
- Once we have received your info, a dedicated stock advisor will personally call you back to discuss your personal share request.
- Lastly, your newly appointed personal stock advisor will handle all account setups and reporting as stipulated by the financial services board of South Africa (FSB)
Buy Shares with Confidence
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MOSCOW (Sputnik) — Earlier in the day, Johnson told the BBC's Andrew Marr Show that Russia was guilty of protracting the war in Syria as well as "making it far more hideous." Johnson also said that Russia might be guilty of war crimes if allegations of its attack on a UN humanitarian convoy in Aleppo were true.
"Everything is correct, except for two words: the word 'Russia' should be replaced with 'Britain,' and 'Syria' with 'Iraq,'" Zakharova said on her Facebook account.
Currently Syria is seeing intensified fighting in the city of Aleppo, after the Syrian army declared an end to the week-long ceasefire on Friday, blaming militants for numerous violations that made the cessation of hostilities unreasonable.
A UN-Syrian Arab Red Crescent convoy carrying humanitarian aid for Aleppo province was hit on Monday, according to the International Federation of Red Cross and Red Crescent Societies (IFRC). As a result, 18 of 31 trucks were destroyed and at least 21 individuals were killed. A number of US military officials claimed that Russia was responsible, while Russia called for a thorough investigation into the incident.
On September 9, US Secretary of State John Kerry and Russian Foreign Minister Sergei Lavrov brokered a ceasefire in Syria that took effect three days later. The agreement called for unimpeded delivery of humanitarian aid and stipulated that only designated terror groups would be targeted in military strikes.


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Minted Red Velvet Cupcakes
I used Rose Levy Berambaum's Red Velvet Cake recipe as the inspiration for these perfect little cupcakes. My goal was to use up some imperfect peppermint bark I made during the holidays. I finely chopped the bark and cooked it into the cake and sprinkled it over the top of the frosted cupcake. The result was a lightly minted Red Velvet cupcake that I plan on making again. Below is an excerpt from Rose's Heavenly Cakes and contains the Red Velvet Cake recipe. If you don't own this book and you love to bake, I would strongly recommend it.
|Rose Red Velvet Cake
Serves: 8 to 10
Baking Time: 25 to 35 minutesI long resisted the charms of this cake, believing it to be merely a layer cake tinted red with a bottle of food coloring. But when several people on my blog sang its praises, I decided to investigate it more thoroughly. It turns out that there is more to this cake than its shocking color. This beloved southern cake is traditionally prepared with oil, a mere suspicion of cocoa, and a teaspoon of white vinegar, which raises the acidity of the batter and intensifies its color. The liquid component is usually buttermilk, which is thought to raise the acidity as well, although the baking soda normally used neutralizes most of the acidity and makes the crumb more coarse and the color darker. So, when I created my version of this classic, I used only baking powder to employ the full acidity of the buttermilk, making vinegar unnecessary. I also used half oil and half butter for the flavor-enhancing qualities of butter and the moist, softening quality of the oil. The resulting cake is as flavorful and tender as you can hope for and stays soft enough to eat even straight from the fridge. A heart-shape pan is perfect for Valentine's Day. And the contrast of the white chocolate cream cheese buttercream against the red cake is alluring.Batter Ingredients
3 large egg whites, at room temperature (1/4 cup plus 2 tablespoons/3.2 ounces/90 grams)
Red food color, 1 bottle (2 tablespoons/1 ounce/30 grams)
Pure vanilla extract (1 1/2 teaspoons/1 1/2 teaspoons/1 1/2 teaspoons)
Cake flour or bleached all-purpose flour, sifted (2 cups/7 ounces/200 grams)
Superfine sugar (1 cup/7 ounces/200 grams)
Baking powder (3 teaspoons/3 teaspoons/3 teaspoons)
Unsweetened cocoa powder (1 teaspoon/1 teaspoon/1 teaspoon)
Salt (1/2 teaspoon/1/2 teaspoon/1/2 teaspoon)
Canola or safflower oil, at room temperature (1/4 cup/2 ounces/58 grams)
Unsalted butter, kept 65°to 75°F, or 19° to 23°C (4 tablespoons/2 ounces/57 grams)
Low-fat buttermilk (1/2 cup/4.2 ounces/121 grams)Special Equipment
One 9 by 2-inch heart-shape or round cake pan (8 to 8²⁄³ cups), encircled with a cake strip, bottom coated with shortening, topped with parchment cut to shape, then coated with baking spray with flour
Preheat the Oven
Mix the Liquid
Mix the Dry Ingredients
Make the Batter
Bake the Cake
Cool and Unmold the Cake
Dreamy Creamy White Chocolate Frosting Ingredients (Makes : almost 1 cup/7.6 ounces/216 grams) This is a great recipe but I used Kim Morrison's Buttercream instead.
Melt the White Chocolate
Remove the white chocolate from the heat and, with the silicone spatula, stir until fully melted. Allow it to cool until it is no longer warm to the touch but is still fluid.
Make the Frosting
Highlights for Success
Compose the Cake
For a distinct chocolate flavor, you can use up to ¼ cup cocoa/0.7 ounce/21 grams, sifted before measuring, but decrease the flour by the same amount. The color will be a much darker red.
Kim Morrison's Real Buttercream Ingredients
While syrup is cooking, beat egg whites with 2 tablespoons sugar until stiff but not dry.* (Extra- fine granulated sugar works best). Turn mixer off until syrup is ready.
With mixer running, pour syrup into the egg whites in a thin, steady stream, making sure not to pour directly onto beaters. Be careful, as hot syrup can burn if you. Continue to beat mixture until it is no longer hot.
Allow to cool to room temperature and then beat in the softened butter, 1 tablespoon at a time, until all is incorporated. (Salted butter works fine. If you are using unsalted butter, add 1/2 teaspoon salt, or to taste.) The mixture will become thin and may look curdled at first, but will then become smooth as it beats. Lastly, beat in the vanilla all at once. (Use the best vanilla you can find. Artificial and white "vanilla" will ruin the delicate flavor.)
If not using at once, refrigerate the buttercream until needed. It will keep for 1 week in a tightly sealed container in the refrigerator. To use, just bring it back to room temperature and re-beat to restore the texture. If you have trouble with the texture, getting it to room temperature and extra beating are the keys to making it smooth. Enjoy on your favorite cake!


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1899 Gold Ecuador 10 Sucre Coin Ng Au 58 Birmingham Mint
1899 GOLD ECUADOR 10 SUCRES. CERTIFIED BY NGC ABOUT UNCIRCULATED 58 KM # 56 OBVERSE: HEAD OF SUCRE LEFT. REVERSE: FLAG DRAPED ARMS. CONTAINS 8.136 GRAMS OF. We cannot declare any package as a "gift", sampleetc. Additional states will be added to this list at a later date. Opens in new window or tab. Please contact the Department of Revenue. Please contact the Taxation and Revenue Department. Please contact the Division of Taxation. Please contact the Texas Comptroller of Public Accounts. The item "1899 GOLD ECUADOR 10 SUCRE COIN NG AU 58 BIRMINGHAM MINT" is in sale since Friday, December 7, 2018. This item is in the category "Coins & Paper Money\Coins\ World\Gold". The seller is "rarecoincollector" and is located in Fort Lauderdale, Florida. This item can be shipped worldwide.
- Year: 1899
- Certification: NGC
- Grade: AU 58
- Composition: Gold


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Stokerij de Molenberg, which is brewery Het Anker's whisky distillery, was our first visit on the second day of my trip to Belgium. Malt makes beer and malt makes whisky, so it's no wonder that many brewers have thought about making whisky. However, the Gouden Carolus brewers, Het Anker, had a special reason to go into distilling.
The brewery in Mechelen dates back to 1471 when nuns brewed beer, but it was taken over by a genever distilling family in 1872. The fifth generation owner of the brewery, Charles Leclef, bought back and renovated the buildings of the long gone Distillery de Molenberg in 2009 and has started whisky production. Læs mere Stokerij de Molenberg – Gouden Carolus Whisky


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- About us
- Our Business
- Investors
- Contact Us
Gear4music (Holdings) plc
Our bespoke platform provides an end-to-end solution encompassing the whole business. Having software development in-house enables us to quickly and cost-effectively develop new features and functionality.
We have invested £9.2m over 13 years in developing a bespoke end-to-end e-commerce platform designed to meet our exact requirements. The 'front-end' websites are market leading localised sites that have responsive design and are multilingual and multicurrency, supported by robust, flexible, fully integrated back-office systems.
We have 49 developers in the business working on a pipeline of exciting new developments and features.


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Isaiah 4:2-6 and the Baptism with the Holy Spirit
This brief paper addresses select considerations regarding Isaiah 4:2-6 as it relates to Spirit baptism and the Day of Pentecost (which is also thought to be the day God gave the Ten Commandments to the children of Israel). I have written about these correlations elsewhere, but today's focus is more specific. I may eventually write another installment on Isaiah 4:2-6 and its use as a "mother text" for several New Testament passages.
As we read through the Old Testament, we find the Holy Spirit in Genesis 1:2 hovering like a dove over the waters. We read much about the Spirit, including an incident regarding King Saul who had a Pentecost-like experience in 1 Samuel 10:9-11 (ESV):
When he turned his back to leave Samuel, God gave him another heart. And all these signs came to pass that day. When they came to Gibeah, behold, a group of prophets met him, and the Spirit of God rushed upon him, and he prophesied among them. And when all who knew him previously saw how he prophesied with the prophets, the people said to one another, "What has come over the son of Kish? Is Saul also among the prophets?"


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LIBOR Transition
In 2018, the Federal Reserve's Alternative Reference Rate Committee (ARRC) selected the Secured Overnight Financing Rate to replace USD LIBOR, the main reference rate used in credit instruments in the U.S. With more than $200 trillion of financial instruments based in USD LIBOR, the transition to an alternative reference rate should be followed closely.
CoBank and the Farm Credit System have been working diligently with several bodies responsible for providing feedback on the functionality of the financial system with a new reference rate. This page features some educational materials and resources to learn more about LIBOR and potential changes coming to the industry.
About LIBOR
What is LIBOR?
LIBOR (London Interbank Offered Rate) is an estimate of the cost of borrowing/lending for banks on an unsecured basis. The rate is determined each day based on rate submission from panel banks.
How important is LIBOR?
U.S. Dollar LIBOR is the dominant reference rate for financial instruments, particularly floating rate loans. The size of the contracts indexed to U.S. Dollar LIBOR is estimated to be more than $200 trillion. Many floating rate loans in the rural agriculture and rural infrastructure sectors currently use U.S. Dollar LIBOR as a reference rate.
What is changing with LIBOR?
U.S. and international banking regulators have been expressing concern about LIBOR over the past several years. The primary concern is that the lack of a deep and liquid market in unsecured intra-bank transactions has reduced the reliability of LIBOR as an index and the market needs to transition to an alternative reference rate for floating rate transactions.
Beginning in 2022, the United Kingdom's Financial Conduit Authority (LIBOR's primary regulator) will no longer compel banks to submit estimated rates and there is concern that publishing of LIBOR will not continue beyond 2022.
Has an alternative reference rate been proposed?
The Federal Reserve convened the Alternative Reference Rate Committee (ARRC), which has recommended the creation of an alternative called the Secured Overnight Financing Rate (SOFR) as a replacement benchmark rate. SOFR is a broad measure of the cost of borrowing cash overnight collateralized by Treasury securities and is completely transaction based. The Federal Reserve Bank of New York began publishing SOFR trading data on April 3, 2018.
What's next in the LIBOR transition process?
Financial market industry workgroups, regulators and fixed income market participates will be working to develop the new SOFR markets and the process for transitioning to it. SOFR futures and swaps are now in existence and some cash instruments have also been issued.
The market has yet to determine the timing and the adjustments that will be made to the existing LIBOR transactions in order to minimize any transfer of value.
What is CoBank doing with regard to this issue?
As members of several industry-wide committees and regulatory advisory committees, CoBank and other Farm Credit institutions are actively monitoring and participating in discussions with industry groups and financial regulators about the transition of LIBOR as a benchmark for floating rate transactions. It is expected that LIBOR will continue to be in use through at least 2021, but given the potential significance of the change, CoBank is actively reviewing the latest developments now to help prepare ourselves and our customers. CoBank, on behalf of the four Farm Credit Banks, submitted multiple consultations to the Fed's ARRC, ISDA and the Commodities Future Trading Commission for their consideration.
Wall Street Journal Prime (Prime) is a prominent benchmark rate that tracks with the federal funds rate and was once offered by CoBank as a variable price index. Is it possible to transition back to a Prime based Index rather than SOFR?
Although the Prime index still exists in the lending and debt market, the index has major problems. First, Prime is an unregulated rate which the Wall Street Journal (WSJ) defines as "the base rate on corporate loans posted by at least 70% of the 10 largest U.S. banks." Additionally, the WSJ is not legally bound to publish the rate and could discontinue providing the rate at any time. In 2013, the International Organization of Securities Commissions (IOSCO) published Principles for Financial Benchmarks ("the Principles"), a set of recommended practices for administrators of financial market benchmarks. The Principles have been endorsed by the Financial Stability Board as representing best practices. Prime does not meet the criteria to be considered an IOSCO compliant rate.
Second, there is a very limited market for FFCB Floating Rate Notes (FRNs) issuance indexed to Prime. There is estimated to be $15 billion of Prime FRNs outstanding and 99% is issued by the FFCB. Further, the FFCB Prime FRNs has a very limited distribution and is concentrated in money market funds. The top ten investors hold over 70% of Prime issuance and the top five hold over 50%. This creates liquidity issues, if any of these top investors pull out of the Prime market. Additionally, these money market investors will not purchase any issuance longer than two years, which will create liquidity constrains for CoBank as it ladders out maturities.
Third, there is no Prime derivatives market. This means that no Prime borrower or issuer could efficiently hedge interest rate risk. FASB also does not allow for hedge accounting for the Prime rate index. As a result, all instruments involving hedges of Prime will need to be carried at mark-to-market with no offset on financial statements.
Jim Shanahan
Vice President, Financial Regulatory Compliance
Jim Shanahan directs CoBank's regulatory compliance activities, focusing on the treasury function, derivatives transactions, liquidity investments, debt issuance and related financial management activities.
New York Federal Reserve Alternative Reference Rate Committee (ARRC)
- Announcements
- Publications on Floating Rate Notes
- Publications on Syndicated Business Loans
- ARRC Recommendations Regarding More Robust Fallback Language for New Originations of LIBOR Bilateral Business Loans [pdf]
- ARRC Recommendations Regarding More Robust Fallback Language for New Issuances of LIBOR Securitizations [pdf]
- ARRC Releases Recommended Fallback Language for Residential Adjustable-Rate Mortgages [pdf]


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Studio 28 Couture offers a bespoke dress service allowing customers to co-create their own clothing via a "build your own application".
This easy to use application allows the user to select dress shape, fit and apply colour or pattern via swatches provided, the fabric swatches change seasonally. The options presented provide lots of variations regardless of opting for either cotton or jersey fabrics.
Their service is marketed to provide affordable clothing that is unique and invites the consumer to participate in the design process. All dresses are made by hand in NYC and take approx 3 weeks to arrive.
I think it would be interesting if there were more fashion experiences presented this way. Studio 28 Couture are offering a similar solution to style|shake another bespoke dress creator website which I blogged about a while back…
A Style|Shake Creation
Style|Shake are evolving rapidly and have integrated a wedding service into their service! They offer affordable personalised fashion and their dresses retail between £35-65.
I have uploaded a youtube video of the Style|Shake process:
Both are a fantastic add on to traditional online shopping and a great way to personalise your wardrobe or even create that dress you have wanted for a long time but haven't been able to find or don't feel confident or skilled enough to produce independently.
But, how could these services be expanded upon to allow consumers to participate further in the design process? Can such services support upskilling or integrate upcycling into their business models?
I think it's fantastic that both solutions are affordable and easy to use and cant wait to see how they evolve.


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The Justice Institute San Diego || Theme: Immigration
- Friday, May 31, 2019 9:00 AM - 5:30 PM GMT-04:00
- Saturday, Jun 1, 2019 9:00 AM - 4:00 PM GMT-04:00
Sorry, this event is not available.
This event was available from Saturday, December 1, 2018 12:00 PM until the event start date.
We do not offer cash, check or credit card refunds for cancellations made within 14 days of the event date.
Cancellations made 15 days or more before the event date will incur a 15% fee on the total amount paid. The refunded amount will be made to the credit card used at time of purchase.
You may transfer your registration at any time to a substitute attendee, at no cost, by editing your attendee info.Once a group registration transaction has been made, we are unable to add any additional registrations to said group.


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Last week the students of Hotel Victoria took part in the course called "Pepper" of Frank Simmeth, which dealt with the perfect service for guests.
Frank Simmeth, coach and of Simmeth-Coachings, offers courses with these special names. These courses are intended especially for hotels and gastronomy.
First at all, the course started a little strange… To get in the mood for this upcoming day we started with singing a song escorted by guitar by Frank Simmeth himself. We were really surprised about this unusual practice to open a course, but we joined it. And this was exactly the message: Confusing people! By confusing guests and doing something unexpected, they will always remember you and come back!
During the day we learned much about the right communication with the guest s, wine service, tables' etiquette, the right set-ups and how to plan a menue.
Saving the best for last: Frank Simmeth showed us how to open a champagne bottle with a sabre. For certain, with this show we will be the stars for the upcoming weddings or birthday parties.
Thanks a lot for this amazing day, we really had a lot of fun!


text: Safety & Reliability Engineer Location: Cheltenham Job Type: Permanent, Full Time We are currently recruiting a Technical Specialist Safety & Reliability Engineer at a world-leading Engineering company. The company is listed on the FTSE250 and works in the defence and aerospace industry. This is a fantastic opportunity for someone with safety, reliability and supportability experience to join the team and demonstrate their excellent understanding and experience to make a safer, more efficient work environment. You will be responsible for - · Providing an overall technical safety, reliability and supportability approach for the business · Managing contractor safety, reliability and supportability · Identifying and analysing customer's requirements for safety and testability · Generating appropriate plans and case reports · Providing guidance for the design of safety and reliability within the engineering design teams · Influencing the design and development of engineering solutions to be safe and supportable · Conducting reviews of the safety requirements in line with international legislation You will have the following- · Degree or HNC in an engineering or science discipline · Understanding of FMECA and Fault Tree Analysis · A background in electronics would be extremely desirable · Understanding of the product development lifecycle · Experience of practices to ISO9001 & AS9100 standards · Experience of Mechanical Engineering would be very desirable, especially from aerospace, defence or similar · Excellent problem solving skills, with the ability to think outside the box · Excellent communication skills · Good IT skills (Windows, Office, Visio etc) You will be joining a company with the commitment to produce only the highest quality parts, and strive for excellence in everything they do. This is a very important role for the company and they are looking for someone with the right experience. If you think you meet the requirements, please click apply and if we believe there's a match, we will get in touch In return, you will be rewarded with a competitive salary plus amazing benefits including life assurance, private medical assurance, childcare vouchers and a share ownership plan. The position will be based in Cheltenham, UK.


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When Father Michael Birney is savagely knifed to death in the middle of saying his vespers, there's a veritable laundry list of suspects, not the least of which is a satanic cult that's opened a competing "church" only a few blocks away. Additionally, some gangbangers have been fighting in the church and ran afoul of the priest. There's also a very irate parishioner who's been arguing vehemently with Father Birney over the collection plate. Detectives Steve Carella and Collon Hawes of the 87th Precinct are going to have their work cut out for them trying to nail this killer.
At the same time, Hal Willis's girlfriend, who happens to be a former prostitute, is threatened by a couple of very evil thugs from out of her past. She keeps Willis largely in the dark and attempts to deal with the situation herself, which may or may not be such a great idea.
The investigation of the priest's murder is complex and entertaining; the subplot involving Willis's girlfriend, not so much. Part of my problem with this subplot is that the girlfriend's actions don't make a lot of sense to me and are not all that believable. Beyond that, this is a novel about the detectives of the 87th precinct who really have no role in the subplot. As a practical matter, the only two members of the squad who get real any face time here are Carella and Hawes, which is a bit unusual for this series.
I enjoyed the book, but it didn't grab me to the extent that most of the others in the series have, so three stars for me.


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Once a file has been sent to print, the file is held in the queue and can be released at the nearest Print Release Station. Once you swipe your RUID or Raider card, the screen will change to show a list of the print jobs currently in this queue.
From this screen, you can then elect to print or cancel the jobs. You will also be able to view the current balance, the page count, and the cost of your jobs. Please note that the print balance shown is the combined amount available between the OIT-provided balance and any funds on either your RU Express account or Raider Dollar Account.


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Emily Tan is a freelance writer and photographer based in Jersey City, N.J. She been covering all things women, pop culture, music and tech since 2008. Emily has been published in the Seattle Times, AOL Music, Lemondop, CMJ, Spinner, PopEater. Currently, Emily contributes to a various places in the U.S. and U.K. including The Line of Best Fit, Idolator, Village Voice, Diffuser.fm and TheBoombox.com. contributes to various sites and publications in the U.S. and U.K. including TheBoomBox.com, Diffuser.fm, The Line of Best Fit, The 405 and Village Voice. Emily is usually on the hunt for the perfect cup of coffee, at a gig, or cycling around the city.
Emily Tan
Could Charlie Walk Be the Simon Cowell of 'The Four'?
He's more than just a label exec, but he's also worked with many of today's big stars.
Lady Gaga Lights Up the Stage With 'The Cure' for 2017 American Music Awards
She couldn't be in LA for the awards show, but that didn't stop her from doing a show-stopping performance in D.C.
Kate Middleton and Prince William Are Expecting Third Child
Soon they'll be a party of five!
Madonna Moved to Portugal and Is Ready to Work
"I feel very creative and alive here..."
Caitlyn Jenner and Kim Kardashian Are Still Not Speaking
"It's a big loss in my life, not having her there anymore."
Watch These Kids' Weezer Cover Turn Into a Total Disaster
We've seen some pretty epic music fails, but this one ranks among the best.
Duo That Reworked James Brown Classic Gets Even Weirder
A week after they reworked a James Brown classic into a mellow froth, California duo Pomplamoose works that same sorta magic in their cover of 'Puttin' on the Ritz.'
Watch Jimmy Fallon and Billy Joel Sing Doo-Wop With an iPad
When Billy Joel stopped by 'The Tonight Show Starring Jimmy Fallon' last night, you just knew something musical would happen.
That Cool Hoverboard Is a Hoax … But It's Still Cool
Remember when Marty McFly hopped on a pink Hoverboard to get away from a bunch of punks in 'Back to the Future 2'? Next to those coming-soon power shoelaces, that hoverboard is one of Doc Brown's most coveted inventions.


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The entire yoga and meditation practice is a purification process, or it has healing effects for physical, mental and emotional defilements, even if we have no intention at all to purify or to heal anything.
Just like each single cell in the physical body is unceasingly going through regeneration process, even if we are not aware of it. It is not in our control that how we want to regenerate this cell or that cell. It is happening naturally by itself.
That's why we don't really have to be intentionally to heal this or that, physically, mentally or emotionally, as healing process is happening from moment to moment. As we perform yoga and meditation practice, the energy fields within and without the body will perform its duty to heal anything that need to be healed, naturally. We don't really need to set any intention, nor to be troubled and worried, nor wishing for some healing process to be happening onto the body and mind.
Just perform all our yoga and meditation practice without expectation that it will bring us any healing effects or benefits in return, but allow the healing process and benefits to happen naturally by itself, as it is. There's no rush. There's no expectation that "I want all injuries, pain, illness, weakness, old age and death to go away…", nor "I don't want to have any injuries, pain, illness, weakness, old age and death…".
There's no craving towards good conditions. There's no aversion towards bad conditions. There's no fear and worry towards so called "bad" or "undesirable" conditions, such like illness, weakness, injuries, pain, old age and death, which is actually the truth of all living beings, and it's a natural process of the body and mind that we can't avoid.
It is being aware of the reality as it is, not necessary the way that we like or want it to be, and allow the reality to be what it is.
We cannot blame the universal consciousness for all the "bad" happenings and "undesirable" conditions that all beings have to go through. And the universal consciousness has nothing to do with all these things that we don't like and don't want, nor will the universal consciousness does something about it, or to change it into something that we prefer it to be. It is our own ignorance, egoism, attachment and desires, and came into being, forming body and mind with the function of the senses, having this life existence to reap the effect caused from our action and reaction. It's our own responsibility for all that our body and mind experiences in this life existence.
We do our best to try to attain and maintain the best condition of the body and mind as much as possible, by performing some physical exercises, spiritual practice, mental development practice, yoga and meditation practice regularly, and live a healthy lifestyle and observe a balanced diet, engage in wholesome activities, have self-control over our own action and speech or behavior, to benefit all beings, including ourselves. It is not because of having aversion, fear and worry towards old age, illness, injury, pain, weakness and death, or any "bad" conditions.
All the efforts that we spent to purify the mind and to improve the condition of the physical body is simply just to show appreciation towards this body and this mind, or this life existence, to make good use of this body and this mind, or this life existence to serve the universe, for humanity, for ourselves to evolve and to help other beings to evolve, out of compassion, without the intention or expectation that we will be receiving something good in return.
There is no need to have selfish desires and expectation to act as motivation force for us to perform actions or practice that will benefit the body and mind.
Totally surrender to the nature, or the universe, to take care of the result of our practice or our actions, or to heal anything that needs to be healed, and to bring us to ultimate freedom.
This impermanent body and mind is subject to impermanent changes. It is conditioned and limited by old age, illness, weakness, injury, pain, physical and emotional hurts, and death. And thus they need to go through certain healing process from time to time. But our birthless, deathless, attributeless true nature is not being conditioned nor limited by impermanent changes, old age, illness, weakness, injury, pain, hurts, or death. There's no need to have any healing process, as there is nothing that need to be healed.
And thus, realize our true nature, and stop identifying with the body and mind, let go of egoism and attachment, and be free.
It is also pointless to expect certain healing process to be happening when we attend some yoga and meditation classes, hoping to heal something that is hurtful in our body and mind, if we keep generate tension and inflict hurtful damages into our body and mind, physically, mentally and emotionally in our everyday life experiences with all sorts of impurities like anger, hatred, jealousy, ill will, petty-mindedness, fear and worry, etc, due to ignorance and attachment.
If we really wish for efficient and complete healing, we need to learn how to stop hurting our body and mind, stop generating tension nor inflict hurtful damages into our body and mind, by practicing non-attachment and letting go in everyday life, letting go of our ego, not being disturbed, nor affected, nor influenced, nor determined by all the qualities of names and forms that the mind perceives through the senses, and have love and peace in us. And then, naturally the body and mind will heal itself even without us intentionally to be engaged in any healing process.
The biggest "disease" that every being have from the beginning of this life existence, is IGNORANCE. This is the cause of all the other physical and mental illness. Remove this "disease" of ignorance by immersed our body and mind in consistent yoga and meditation practice without attachment, and surrender everything else to the universe to take care of it.
Om shanti.


text: I'm finalizing my annual list, run by the Associated Press, of the top 10 most notable quotations of the year. By "notable" I mean "important" or "famous" or "particularly revealing of the spirit of our times" rather than necessarily being eloquent or admirable. Thanks to all who have already suggested candidate quotes for inclusion. I would welcome any further suggestions of notable quotations from 2015, particularly ones from politics or popular culture or entertainment or sports or business or technology. Fred Shapiro ------------------------------------------------------------ The American Dialect Society - http://www.americandialect.org


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Buy this set to improve shifting response with Synchrotech Pro Series Carbon Lined Synchros! The carbon rebuild kit offers the best shifting available from your transmission rebuild.
Unlike the carbon/moly or carbon fiber weave synchros that have a spray coating or a woven carbon fiber fabric, Synchrotech Pro Series Carbon Synchros have a full carbon composite lining. Utilizing carbon-carbon technology initially developed for the Aerospace industry, our carbon composite material acts as a braking material during gear engagement. This allows for quicker and more precise shifting and prolongs the life of the synchro sleeve and gear engagement teeth. These are the most technologically advanced synchros on the market.
does this kit come with differential bearings?
No, differential bearings are not included with this core rebuild kit.
Yes when ordered with the correct option this kit will work with a 2004 TSX.
This kit is an upgraded set of synchros, however your worn second gear will not be replaced with this kit. That is an additional part to source.


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Luxurious, impressive and classy-chic are some of the words many have used to describe The Millennium Suite at the City Pavilion. Established as one of London's foremost venues, once you enter the space you are immediately impressed by the ambience, size and sophistication of the room. Seasoned venue finders have been describing it as the "best venue in London of its size and capacity".
Walk through the doors, up the stairs and through the grand entrance of The Millennium Suite and you are presented with a room that can seat over 2000 people. Expert architects have been used to ensure the flow of the space is second to none with great visibility all round, with not a single pillar blocking valuable viewpoints. The superb Swarovski crystal fibre optic chandeliers are complimented by subtle wall lighting all of which can be programmed to the colour of your choice. A state of the art sound system provides superb clarity for both speech and music that will keep your guests fully engaged with proceedings.
With such a large capacity we have ensured that there is ample car parking on site, accommodating over 650 vehicles.
Visited 636 times, 2 Visits today


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Crescent ♓ Pisces
Moon phase on 3 April 2073 Monday is Waning Crescent, 25 days old Moon is in Aquarius.Share this page: twitter facebook linkedin
Waning Crescent is the lunar phase on . Seen from Earth, illuminated fraction of the Moon surface is 14% and getting smaller. The 25 days old Moon is in ♒ Aquarius.
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Previous main lunar phase is the Last Quarter before 4 days on 30 March 2073 at 11:04.
Moon rises after midnight to early morning and sets in the afternoon. It is visible in the early morning low to the east.
Moon is passing first ∠0° of ♒ Aquarius tropical zodiac sector.
Lunar disc appears visually 7.2% narrower than solar disc. Moon and Sun apparent angular diameters are ∠1785" and ∠1918".
Next Full Moon is the Pink Moon of April 2073 after 18 days on 22 April 2073 at 01:54.
There is medium ocean tide on this date. Sun and Moon gravitational forces are not aligned, but meet at very acute angle, so their combined tidal force is moderate.
The Moon is 25 days old. Earth's natural satellite is moving from the second to the final part of current synodic month. This is lunation 905 of Meeus index or 1858 from Brown series.
Length of current 905 lunation is 29 days, 17 hours and 58 minutes. It is 1 hour and 57 minutes longer than next lunation 906 length.
Length of current synodic month is 5 hours and 14 minutes longer than the mean length of synodic month, but it is still 1 hour and 49 minutes shorter, compared to 21st century longest.
This lunation true anomaly is ∠168.4°. At the beginning of next synodic month true anomaly will be ∠192.2°. The length of upcoming synodic months will keep decreasing since the true anomaly gets closer to the value of New Moon at point of perigee (∠0° or ∠360°).
10 days after point of perigee on 23 March 2073 at 16:57 in ♍ Virgo. The lunar orbit is getting wider, while the Moon is moving outward the Earth. It will keep this direction for the next 2 days, until it get to the point of next apogee on 6 April 2073 at 05:19 in ♈ Aries.
Moon is 401 577 km (249 528 mi) away from Earth on this date. Moon moves farther next 2 days until apogee, when Earth-Moon distance will reach 406 521 km (252 600 mi).
Moon is in descending node in ♒ Aquarius at 11:42 on this date, it crosses the ecliptic from North to South. Moon will follow the southern part of its orbit for the next 14 days to meet ascending node on 17 April 2073 at 19:11 in ♌ Leo.
12 days after beginning of current draconic month in ♍ Virgo, the Moon is moving from the middle to the last part of it.
4 days after previous South standstill on 30 March 2073 at 05:47 in ♑ Capricorn, when Moon has reached southern declination of ∠-19.120°. Next 10 days the lunar orbit moves northward to face North declination of ∠19.238° in the next northern standstill on 14 April 2073 at 00:42 in ♋ Cancer.
After 4 days on 7 April 2073 at 14:14 in ♈ Aries, the Moon will be in New Moon geocentric conjunction with the Sun and this alignment forms next Sun-Moon-Earth syzygy.


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London has one of the most diverse music scenes in the world and a variety of venues from massive stadiums to small intimate bars.The Proms is the largest Classical Music festival in the world held in many venues around the city but is centred on the iconic Royal Albert Hall.
The O2 in Greenwich is one of the world's most popular venues for music events and Ronnie Scott's is a legendary venue for Jazz.As well as the larger venues every night there will be live Music events all over the city.To get some idea of choice, use a music listing site such as TimeOut.
Coming Soon
The O2 arena
6 Mar 2020
Michael Ball & Alfie Boe
The O2 arena
7 Mar 2020
Country To Country 2020
The O2 arena
13 Mar - 15 Mar 2020
David Gray
The O2 arena
26 Mar 2020
Contact Us firstname.lastname@example.com


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Why Full Grain Leather Belt is much more expensive than Split ones?
Full Grain Leather Provides Full Support
How to Judge full grain leather and split the leather belt is the pattern or texture on its surface. All layers, including the top layer where the animal's hair is removed, provide strength and durability. The surface has not been sanded or buffed. Consequently, Full Grain Leather is the highest quality leather grade in the industry.
Buffalo leather from the American Bison or the Chinese Water Buffalo, are supple and strong. The blemishes and scarring from the animal's skin is enhanced with tanning to show the natural grain.
Top grain leather is when the scars and blemishes present on the animal's skin are removed, either by buffing or scraping. The top layer is preserved and offers an unblemished surface coveted by fashion designers. The process preserves the grain, which allows the fiber strength and durability of the leather. It is a uniform "look" desired by high fashion experts.
Split grain is when layers are peeled or buffed off to reveal the lower layers of hide. This is a cheaper way to achieve the top grain leather look, but it is not as strong as full grain or top grain leathers. This product is suitable for applications that do not require durability with average use and is cheaper due to its tanning processes.
The Silin Belt Company imports Full Grain leather from Brazil, Italy,and parts of China. The tanners are reputable and the quality of the leather is excellent.


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The famous Austrian artist – the ancestor of the modern in the life of Austria. The main themes of his paintings – a beautiful female body. In this regard, the bulk of his work is imbued with frank erotic scenes.
At an early age, Gustav showed a craving for painting. In his student years, Gustav, together with his younger brother Ernst and best friend Franz Machem, created an artistic team that quickly became famous and popular. Young people worked on sketches for a large-scale event, timed to coincide with the silver wedding of the emperor of France, Joseph and his bride – Empress Elizabeth. The style of the celebration was reminiscent of Rubens paintings and the direction of the Venetian school.
Upon completion of their studies in Vienna, they opened their workshop, and along with this event, the fame of them spread like lightning. And in 1885, young talents were commissioned to paint the Empress's favorite resting place – the villa "Hermes".
In consequence, Klimt was considered the most extraordinary artist of Austria. In his canvases intertwined issues of life, love, old age and death. The individuality of his work lies in the technique of transferring objects and elements that are filled with bright colors of colors with a combination of golden color. The artist uses only pure colors, and draws figures with a soft, rounded contour.
The work "Death and Life" reflects one of the leading topics of creativity Klimt. It depicts the dance of death, however, it seems that people do not foresee the impending danger. Here he used enamel, semiprecious stones and adorable marble mosaics and gold plating. This picture was the last large-scale project in the life of a great artist. All subsequent works were filled with wonderful and happy moments of life.