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In May of this year, Iowa's Republican Governor Kim Reynolds signed a giant tax giveaway to corporations. The people of Iowa were warned that this would lead to education cuts and increased tuition. But, nevertheless, she persisted.
The Gazette: Gov. Kim Reynolds signs largest tax cut in Iowa history
"Most Iowa taxpayers won't get a tax cut, or see very little cut in their taxes," she said. "Our revenues are already low and we've cut things that help the state grow, such as education and help for small businesses."
The ranking Democrat on the House Ways and Means Committee, Rep. Dave Jacoby, D-Coralville, called the legislation a GOP "tax giveaway" that overwhelmingly benefits the wealthy and special interests, while a third of Iowans will "get nothing or end up paying more."
"In order to pay for $483 million in new corporate tax giveaways, Republicans are actually raising taxes on everyday Iowans through higher property taxes, raising the sales tax, and increasing tuition at community colleges and state universities," Jacoby said.
Iowa Republicans were unfazed by the warnings. They've already been cutting education funding. What's a few more million in cuts to them?
WQAD: Iowa universities shoulder most of Republican-backed $35M midyear budget cuts
The University of Iowa and Iowa State University will shoulder most of the cuts, at around $11 million, which means tuition increases for students.
Now, can you guess the result? Yep, the students of Iowa get to pay for these corporate tax giveaways by going deeper in debt, or just not going to college at all.
Des Moines Register: $30K and climbing: Why Iowa college students are poised to slide even deeper into loan debt
State legislatures are decreasing funding to public universities and community colleges. In Iowa, for instance, state funding to the three public universities is now less than in the 2015 fiscal year. Mid-year budget cuts are expected this spring and there's uncertainty about next year's state funding.
"Lower-middle-class and working families don't have big chunks of money sitting around to pay for their kids' college education," said Lampe, a Pleasantville High School social studies teacher.
"As costs go up, students are going to take out more loans — or not go to college at all."
Is this seriously the direction the State of Iowa wants to keep going? There is an old saying that the people of Iowa should be familiar with: Don't Eat your Seed Corn. Seed corn is what farmers save to plant next year to get a crop to live on in the future. If you eat the seed corn, you may live well this year, but then you could have huge problems down the road. Making it more difficult for Iowa students to succeed is not going to help the State down the road. Iowa Republicans are eating the State's seed corn. Iowa voters should make a choice to stop.


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The Partridge Pea (Chamaecrista fasciculata) is a legume that frequently grows in edge of fields next to wood lines, under powerlines and open forest areas. A native of Eastern and Central United States. Small flowers are clusters and stems are slender with pinnately-compounded leaves. Flowers attract bees and butterflied, and seed pods are eaten by gamebirds and song birds. Plant provides excellent cover for quail and browse for deer. Food nectar source and special value for native bees.
Maximum height of this plant is 3 feet on fertile soils and shorter in height on marginal soils with low fertility.

subset: commoncrawl


text: Hockey AGM By Brantford Expositor More from By Brantford Expositor Published on: June 6, 2018 | Last Updated: June 6, 2018 6:20 AM EDT Share Adjust Comment Print The Brantford Minor Hockey Association will hold its annual general meeting on June 19 in the civic centre auditorium. Registration starts at 6:30 p.m. with the meeting beginning at 7 p.m. sharp. Brantford's sewage woes 'troubling'


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On 14th August last year (2012), curvy singer Desire Luzinda threw a birthday party at Club Amnesia. Friends ate, drunk and got merry. Then she announced that she had turned 25 years.
One year later Desire is again telling all and sundry that she will be celebrating her 25th day. She posted: "With my 25th birthday around the corner, just received gifts from lovely friends." Now the question on everyone's mind will bewhy is the diva constantly 'cutting' her age to appear younger? "For God's sake I was in the same class with Luzinda at university.
We graduated or rather were supposed to graduate in 2007. She can't be 25. She is either 29 or more," one of her OBs at Makerere University before she dropped out told Xclusive UG. Another one added: "Maybe because she has done nothing musically, since she celebrated her 25th birthday she has considered the year a dead one." Desire completed her senior six in 2003.


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The city of Oakland, Calif., made history last week when it hired the first African-American woman as the fire chief of a major metropolitan area, according to Reuters. Teresa Deloach-Reed, 53, is slated to take control of the Oakland Fire Department in March, leading a group of 580.
"It's exciting," Deloach-Reed told Reuters in a telephone interview.
It is a historic day for both Oakland and Deloach-Reed, especially given the grim statistics regarding both female and black firefighters.
"There are still a lot of departments that don't have any women," said Deloach-Reed. "We still have a long way to go in regards to breaking down the doors."
As of 2010, less than 4 percent of U.S. firefighters were women, and just over 6 percent were black, according to the U.S. Bureau of Labor Statistics.
We wish Deloach-Reed all the best in her new position and hope her appointment opens the eyes of fire departments in other cities. The first step to being a change agent is making moves like the one the Oakland Fire Department made last week.
Read more at Reuters.
Like The Root on Facebook. Follow us on Twitter.


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Acer TravelMate P653-M-6427
Reviews for the Acer TravelMate P653-M-6427
Source: Gadgetspeak
After recently reviewing a couple of light offerings that had SSD to give rapid booting, its back to a larger business notebook but as its high end you lose that horrible shiny black screen surround that shows all the fingermarks. The only thing I noticed was the slower boot up simply because of the two units I previously reviewed were SSD or SSD helped units. When I use my own notebook this unit seems extremely fast so everything is relative.
Single Review, online available, Short, Date: 09/26/2012
Intel HD Graphics 4000: Processor graphics card in the high end Ivy Bridge models. Offers a different clock speed in the different CPU models (ULV to desktop quad core) and therefore a different performance.
Non demanding games should be playable with these graphics cards.
» Further information can be found in our Comparison of Mobile Graphics Cards and the corresponding Benchmark List.
3210M: Fast Ivy-Bridge-based dual-core, includes HD 4000 GPU, core clock 2.5 - 3.1 GHz» Further information can be found in our Comparison of Mobile Processsors.
15-16 inch is a standard display size for laptops and offers the biggest variety of products.» To find out how fine a display is, see our DPI List.
1.9 kg:
This weight is typical for very big tablets, subnotebooks, ultrabooks and convertibles with a 11-13 inch display-diagonal.
Acer: The company was founded under the name of Multitech in Taiwan in 1976 and renamed to Acer or Acer Group in 1987. The product range includes, for example, laptops, tablets, smartphones, desktops, monitors and televisions. Gateway Inc. and Packard Bell also belong to the Group and sell their own laptops.
While Acer still had the third largest global market share in the notebook segment in 2008, it ranked 6th in 2016 with a market share of 6% after they had continuously lost market shares.
There are dozens of Acer laptop reviews per month, the ratings are average (as of 2016). Gateway, which has an own laptop line-up, has also belonged to the Acer Group since 2007.
» Further information can be found in our Notebook Purchase Guide.


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On the road!
There are two main approaches we are taking to spread an understanding of how Just Money can pay for a better world. We're doing general outreach.
Let's get as many people as possible into conversation about our money system. We are identifying ideal locations and useful ideas, tools, and methods for engaging people and testing ideas out. Leave a comment with your ideas!
Send us an email if you've got a group or location that would like a presentation. From August through November we will mostly be limited to West Coast, but we have associates across the country who are also available for some presentations. Just ask.
We are also doing targeted outreach. We want to identify and visit with individuals and organizations from diverse sectors that will play a role in achieving successful money reform (e.g. government agencies, bankers, financiers, legislators, academics, non-profits, and business leaders).
We believe that a robust and successful money reform movement will include people from all the various stakeholders and value their viewpoints and contributions. We'd like names and contact information for people to include in our conversation. If you're adding a group's information, the comment section is OK. If you're sending an individual's name and information, please use the comment email.
Ask a question or post a comment below; we love your feedback!
A project of Great Democracy Media, Inc.
Endorsed and supported by The Alliance for Just Money
Copyright © 2019 by Great Democracy Media, Inc. The materials on this site are licensed under a Creative Commons Attribution-NonCommercial-Sharealike 4.0 International Creative Commons License.


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By using this website, you consent to our use of cookies. For more information, visit our Privacy PolicyX
Mya Guarnieri is a freelance journalist and writer whose work has appeared in numerous international outlets. Her book about migrant workers and African asylum seekers in Israel, Unchosen, is forthcoming from Pluto Press. She blogs at +972.


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24 Fun and Easy Things to Draw if you end up Bored
You can then save them to your creative cloud account and nice-tune them in the full program later. Both Photoshop Sketch and Illustrator Draw are free downloads, however if you want to export the photographs for later editing, you'll need a Creative Cloud subscription. There are a ton of drawing apps, art apps, portray apps, and sketch apps obtainable now to creatives, each with their very own USP. There are dedicated apps for image manipulation, mimicking hand drawing, and 3d modeling. While a number of apps come solely in paid versions, there are many free drawing apps out there as properly.
Indeed, this is an important type of drawing and includes studying the way to see and tips on how to accurately transfer what you see onto a two-dimensional surface. There are many wonderful books that educate a pupil tips on how to see and how to attract. Betty Edward's … Read More


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MADISON -- A top Assembly Republican on Wednesday, February 15th, said lawmakers were unclear what Gov. Scott Walker's road funding proposal would be this month, even though Walker telegraphed his plans in the fall.
Walker's budget would delay major projects and borrow $500 million to plug a $1 billion shortfall in the state's road fund. It's the only road plan currently proposed, and Majority Leader Jim Steineke said a competing plan from Assembly Republicans wouldn't be available for another four to five weeks.
"We absolutely didn't know what the governor was going to introduce," said Steineke, R-Kaukauna. 'We still had hopes that he would introduce something that would fix transportation long-term."
Walker first announced his plans to delay major interstate projects and borrow money in mid-September -- six months before Steineke said the Assembly GOP's plan would be available.
Walker's budget abandons the Interstate 94 East-West project near Miller Park and delays other Milwaukee-area freeway roadwork. The governor said his priorities were outstate projects and increased funding for local maintenance, including pothole patching and bridge repairs.
Assembly Republicans have long said they would consider a gas tax or vehicle registration fee increase to pay for more road projects. Walker has previously said that he would veto such a tax or fee increase.
"Vetoes are a little early to be talking about seeing as though it's been a week since the budget's out," Walker told reporters Wednesday. "But we're obviously serious about that (being opposed to a tax increase)."
On Tuesday, eight rural Wisconsin lawmakers would not say if they supported a gas tax increase for roads. Without them -- and other lawmakers who have previously told FOX6 they wouldn't support a tax hike -- any tax proposal from Assembly Republican leaders would be in jeopardy.
During a news conference about rural issues, state Rep. Romaine Quinn, R-Rice Lake, appeared willing to discuss only certain legislative topics. The gas tax wasn't among them.
"Is there any other questions that involve the actual rural Wisconsin initiative?" Quinn said, visibly frustrated at a reporter's questions about the gas tax.
Democrats said the rank-and-file Republicans' silence shows they are at odds with GOP leaders.
"The fact that not one of them was willing to speak up at all speaks volumes about where they might be at this juncture," said Minority Leader Peter Barca, D-Kenosha.
Steineke and other Assembly GOP officials haven't yet said how they'll find the additional money they want for road projects. He criticized the media for creating a story.
"This whole talk about a specific gas tax increase — this is all driven by the media. This is not driven by us," Steineke said. "We don't even have a plan yet."
Steineke said the Assembly GOP caucus has only talked about "broad aspects" of a road funding plan.
Walker and the Assembly GOP leadership have aired their disagreements publicly since the fall, when Walker announced his plans to delay projects and borrow money for roads.
On Wednesday, Walker repeated his position.
"I do not believe we should raise the gas tax nor any other tax," Walker said.


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To monitor and hold control over blockchain usage across the country, many German parliamentary representatives have argued that the nation's blockchain strategy ought to incorporate a fitting legitimate system for cryptocurrency trading and token issuance that would empower the sector's domestic development. German Parliamentary Representatives encourage Framework or Crypto Trading in Blockchain Strategy.
The proposal was advanced by Antje Tillmann (Union parties' finance spokesperson) followed by her colleague, Matthias Hauer, in an announcement set forth in front of a public hearing at the Bundestag's Finance Committee on March 11.
This public hearing started discussions about the various opportunities that blockchain technology will offer Germany. Tillman and Hauer handled both the present and desired condition of blockchain improvement in the nation. Also, reviewed the government's drives in the sector to date.
Both of their explanations emphasized that while still in the blockchain implementation stages across the country. Blockchain is ready to make a critical and useful impact as a base innovation for national digitization procedures over numerous fields. Also that the establishment for its future use should, therefore, be laid with immediate effect.
German has been on of the most pro-blockchain countries around the world. It has initiated a wide number of blockchain pilot projects across various applications, for example: electromobility, and electricity trading. At the Federal Office for Migration and Refugees, Tillman and Hauer expressed that efforts to guarantee Germany can contend on a worldwide stage, should be increased:
"…there has been an increasing outflow of promising [blockchain] startups to European and non-European countries for some time now. Financing rounds based on blockchain technology (so-called initial coin offerings [ICOs]) are meanwhile taking place almost exclusively abroad."
The officials recommended that so as to stay at the front line of development, and to prevent the inappropriate usage of blockchain talent. Further, the German government's blockchain strategy should include all necessary legal framework which can support cryptocurrency and token trading:
"The potential of blockchain technology can only fully realize if there is legal certainty and potential risks mitigated. The goal must be to retain the entire added value of this promising technology in Germany. Also, to develop our country into a pioneer of the blockchain economy. "
The German government will present a nationwide blockchain strategy by mid-2019.


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Vivint Smart Home leads the home security industry in Condon, Oregon
Vivint Smart Home systems combine energy savings, the expertise of a 'round-the-clock security monitoring team, and the peace of mind you deserve. We are the leading smart home provider in North America, serving more than 1,000,000 customers, and are now extending our award-winning service and high-quality products to Condon residents. While many homes feature appliances and devices that can be programmed independently from one another, a true smart home offers a level of intelligence that surpasses basic programmability. Vivint Smart Home Cloud, our proprietary platform, brings all of your smart home components together into an interconnected ecosystem, then puts the control in your hands. Through Vivint Smart Home Cloud, we bring all of your home security and automation components together into an interconnected web and then make it possible for you to control it all from one user interface. Then we give you three ways to control your system:
- Manage your system through the Vivint Smart Hub touchscreen; offers an intuitive and user-friendly interface.
- Download the Vivint Smart Home app to your mobile device; this app, which is the most downloaded and highly rated home security app in the App Store, and is free with a service plan.
- Integrate Amazon Echo; a hands-free way to manage your system.


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December Pig Market Trends out now
The December edition of Pig Market Trends (PMT) is published today.
In addition to the usual summary of developments in the UK and EU pig markets and the global feed market over the past month, the latest issue includes more detailed articles on:
Comparing APP and SPP
Changing consumer tastes
Developments in the Chinese pork industry
- The Danish pig market
Pig Market Trends is available free of charge. You can subscribe by e-mailing email@example.com. Recent editions can be downloaded from the AHDB Pork website by clicking here.


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GCH Moonlight's Rock'N Ow'T, RN JH CGC ROM "Zene"
Sire: GCH/Can CH Captivatin' Ain't He A Knockow't, ROM "Rocky"
Dam: CH Tamaron Okos Piros Csillag, CD RN JH CGC ROM "Csilla"
Owner: Karen Lake
Breeder: Karen Lake, T Westerbeck
AKC #: SR65041506 (Pedigree)
DNA Profile #: V625573
OFA Hips: VZ-12914G25F-VPI (Good)
OFA Elbow: VZ-EL618F25-VPI (Normal)
OFA Thyroid: VZ-TH729/25F-VPI (Normal)
OFA CERF (Eyes): VZ-EYE12/25F-VPI (Normal)
OFA Cardiac: VZ-CA406/31F/P-VPI (Normal)
Performance Highlights (click for details)
* VCA Registry of Merit • 2019 *
* Multiple Best of Breeds *
* Finished Grand Championship with FIVE Majors *
* Rally Novice *
* Canine Good Citizen *
* Junior Hunter at 10 1/2 months – Owner/Breeder/Handled and Trained *
* 2x's Best Puppy in Sweepstakes Winner *
South Coast Vizsla Club at 6 mos. & Vizsla Club of SoCal at 7 1/2 mos.
The name "Zene" means "music" in Hungarian, and her registered name is a tribute to her father, Rocky. Zene is my first homegrown girl and she stole my heart early on, and I knew she was destined to stay.
Zene completed her AKC Championship with a 4 Point Major going Best of Winners; earning the majority of her points from the Bred-By-Exhibitor class. The day after finishing her title, she took back-to-back Best of Breed wins for two 5 Point Grand Champion Majors – and she made the cut both days in the Sporting Group! She then took time off for motherhood (see 2013 Litter Page). She later finished her Grand Championship owner/breeder handled with (five) 5 GCH Majors.
As a baby, she won back-to-back Best Puppy in Sweepstakes from the 6-9 month puppy class! Zene has dabbled in Obedience and she has one Beginner Novice (BN) Leg, she easily earned her Rally Novice and Canine Good Citizen titles. Her Junior Hunter title was completed owner/handled and trained, and she absolutely LOVES birds – I would love to do advanced Hunt Titles with her in 2019.
She has been a fabulous producer and is dam of five (5) Champions (two others are Major Pointed). She has one Best in Specialty Show (BISS) Winner and Group Placer (Oliver) as well as two (2) Junior Hunters, NAVHDA Natural Ability and Rally Novice titled get.
Zene's pedigree reflects holds a proven strength in conformation and versatility:
His Sire "Rocky" (GCH/Can CH Captivatin' Ain't He A Knockow't, ROM) finished his AKC Championship at 7 1/2 months old with 5 Majors in only 8 shows. Before age 18 months, Rocky was awarded several Best of Breed wins and earned multiple Sporting Group Placements — all owner handled! With relative ease, Rocky finished his AKC Grand Championship (owner handled) in August 2010. In December 2015, he received his Registry of Merit (ROM). Rocky sired five litters with four females. His offspring include two (2) Best in Specialty Show Winners, Multiple Champions and Grand Champions, Agility, Obedience and Hunt titled progeny.
Her Dam "Csilla" (CH Tamaron Okos Piros Csillag, CD RN JH CGC ROM) is a proven producer earning a Registry of Merit (ROM) from the VCA. Her progeny includes a Specialty Show Winner (BISS), (5) Champions and two (2) Grand Champions (two more are Major Pointed), seven (7) Junior Hunters, and (2) Rally Novice (RN) titleholders; along with Multiple Best of Breed, Group Placing, Award of Merit, and Multiple BBE Group Placements. Csilla has consistently passed her faultless temperament and good looks to her offspring. She hails from a successful litter with siblings earning (Multiple) Best in Specialty Show wins, and a Best in Show.
Photo Gallery
© 2019 Moonlight Vizslas – All rights reserved. Please do not use, share or download any images herein for use on websites, blogs or other media without my explicit permission.
Zene's Parents
CH Moonlight's Let It Be "Lenny"
BISS CH Moonlight's Knock Out "Oliver"
CH Moonlight's Eat Your Heart Out, RN JH CGCA TKI "Cordie"
CH Moonlight's Dream Come True "Archie"
CH Moonlight It's Good to Be Me, RN JH CGC TKN NA Pz III "Emery"
CH Moonlight All In Good Time "Chase"


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Join us and Zebra for the OS Migration Webinar!
Do you have an outdated mobile computer that currently still runs on Windows operating system? Here's a fact you need to know, organizations running Windows-based rugged mobile computers today will need to upgrade to new Android devices before Microsoft ends their mobile handheld support in 2020.
For any organizations that fail to act, they will simply fall behind. To simplify the process join us for this free webinar and learn how to take advantage of this new transition into the mobile enterprise technology.
The next generation of workforce mobility solutions will help your workforce increase visibility, efficiency, and productivity. Please join us for this free webinar to discuss and review the dates associated with the expiring Windows support and see how Barcodes and Zebra can help you strategize the OS Migration with ease.
The OS Migration
Thursday, December 13 from 11-11:30 AM CST
Presented by:
Kevin Lollock, Regional Product Manager, Zebra Technologies
Rob Nordby, Channel Sales, Zebra Technologies
Lorna Malja, Marketing Manager, Barcodes, Inc
If you have any questions, please email [email protected] or give us a call at 877-835-0709.
P.S. If you can't attend the live webinar, be sure to register anyways and we'll send you the recording and slides afterward!


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Hey, fellas! If we're technically under the hump, can we still get over it?
*ruffling of feathers*
...shut up, Carl.
Welcome to the middle of this here week thingy, folks! Hope you guys are keeping it coo. Take a minute to roost and brood over whatever's passing under your feets.


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Pakistan Foreign Reserves has reduced to half and is under severe fiscal crisis.Pakistan is at the verge a balance of payment crisis, 8 billion dollars in the foreign reserves , Pak rupee devalued to please global institution , this means an explosion of inflation in the next couple of weeks as in Venezuela and to keep the people united will be daunting task. Record foreign and fiscal debt,weak exports all parameter of healthy economy in fiscal limbo. Pakistan's Economy is in shambles the central bank of Pakistan has raised interest rates, the current-account gap has widened by 43 percent in the last fiscal year and foreign-exchange reserves are dropping.
Pakistan facing a serious financial crisis, Asad Umar, the Pakistan Tehreek-e-Insaf (PTI) leader touted to be the country's next finance minister, has estimated that the economy may need more than $12 billion to overcome the deficit, with a decision on where to source the funds to be made within six weeks.
In an interview with international news service Bloomberg, Umar was quoted as saying Thursday that Pakistan's financing gap is somewhere between $10 billion to $12 billion, though the new government would need a bit extra so it does not live on the edge.
"The decision needs to be taken in the next six weeks, the further you go forward the more difficult, the more expensive the options become," Umar said in Islamabad.
Pakistan could turn to the International Monetary Fund, friendly countries and issue diaspora bonds to bolster the country's depleting reserves, he said.
The country's deteriorating finances present a key challenge for new leader Imran Khan, who is working to form a coalition government after winning the most seats in the July 25 election.
Many investors and analysts see a bailout from China or the IMF as inevitable, Bloomberg reported.
Foreign-exchange reserves have slumped this year on the back of a widening current-account deficit, prompting the central bank to devalue the currency four times since December and hike interest rates, according to the report.
Moody's Investors Service downgraded the country's outlook to negative last month, citing its worsening finances.
Umar said his party has not yet spoken to any potential lenders. "No formal work can be started until the government is formed," he said.
If Pakistan asks the IMF for support, it would not be the first time. The country has gone to the IMF repeatedly since the late 1980s. The last time was in 2013, when Islamabad got a $6.6-billion loan to tackle a similar crisis.
The amount of Chinese loans given to Pakistan over the last 13 months alone comes close to the IMF's last bailout of $6.6 billion.
Such vast debts to Beijing have prompted worries from US Secretary of State Mike Pompeo, who said this week he would be watching if Khan's new government uses IMF funds to pay off the opaque Chinese loans.
Umar said he would bring more transparency to the more than $60 billion Belt and Road infrastructure projects in Pakistan and responded to Pompeo's comments.
"One friendly advice to the Americans, we'll worry about our Chinese debt, but I think they better handle their own Chinese debt first," he was quoted as saying.
"We have a serious external debt problem, I'm not saying we don't, though, we don't have a Chinese debt problem."
The PTI leader said his party would not attempt to privatise Pakistan's bloated and loss-making state companies such as Pakistan International Airlines Corp. and Pakistan Steel Mills.
Umar said within the first 100 days of the new administration, the state-owned firms will be shifted into a wealth fund similar to Singapore's Temasek Holdings Pvt. to remove them from political interference.
The government will also have to take over some, if not all, of the national airline's 367 billion rupee debt ($2.1 billion) to start the carrier's turnaround, he said.
"Whatever has to be done, has to be done in the next few weeks," Umar said. "It should have been done six months back."


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A spread, dip or puree made of crushed cooked chickpeas flavoured with sesame seeds, oil, lemon juice and garlic.
Use: Can be used in sauces, great on it's own or as a spread on savoury biscuits.
24.com publishes all comments posted on articles provided that they adhere to our Comments Policy. Should you wish to report a comment for editorial review, please do so by clicking the 'Report Comment' button to the right of each comment.


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What inspires you to be creative? Just curious…For me it comes at different times in waves. I can't force it. It just happens. Sometimes I smoke a little weed and listen to music. That seems to help unlock the door to where my artist lives. One thing is I need to be alone. I choose to not go out too much and enjoy staying home and that's when I get most creative. I'd love to hear your thoughts on what inspires you to be creative.
I like to listen to music while I write. Tonight I am listening to "Catch The Wind" by Donovan, over and over while I smoke a few cigerettes with tears streaming down my face.
I came to a realization this evening. I have been searching and reading philosophy for many years now. Maybe 20 years on and off. I think I am done with thinking for now and trying to figure it all out. Too many religions and philosophies out there. It really doesn't matter is the conclusion I came up with. Just be and enjoy this life as best as you can.
Everyone is searching and trying to find the answers to ease their pain. Life is short and it's scary to think that as hard as it is, in the blink of an eye it can all end.
Even in my darkest days when I thought I wanted it to end, that is not really what I wanted. I just wanted the suffering to end, not life.
Life can be beautiful. And love is the greatest gift of all. Enjoy the things that make you happy! Whatever that is for you.
Life is not perfect. It may never be what you dream it to be. Do not get lost in your dreams. Because there are beautiful moments along the way that you may be missing because you keep reaching for something that you don't have now.
As far as the next life, none of us really know now do we? Not until that time comes. We can pray, meditate, and speculate forever, but don't loose this life thinking about the next. Live your life right now. For all we really have for now is now. So while you are here, make the best of it!
Live Your Life
Everyone wants to be happy and free in life. That is our fundamental right as a human being. Yet many people are not. I personally felt my freedom to choose to live my life the way I wanted was taken from me at a young age. I want to share some personal things about my past in hopes to help others see the value of personal freedom and to help others heal from their past as well.
As a child, I was not encouraged to follow my dreams, go to college, or to pursue my interests in life. I was only encouraged to go to church and study the Bible. I was baptized as an infant Catholic. My mother and father divorced when I was 8 years old. I was raised by my mother who remarried. My mother one day opened our door to Jehovah's Witnesses and listened to what they were preaching. She then began a Bible study with a husband and wife from the local Kingdom Hall of Jehovah's Witnesses.
It was the summer before I started my senior year at high school that she insisted I start my own personal Bible study with a young girl who also was a Jehovah's Witness.
I vividly remember an incident that happened when I was in my bedroom with my neighbor friend. I told my mom I didn't want to have my Bible study that night. She got so enraged she took this model ship which was sitting on a shelf on my bedroom wall which my grandfather made by hand and threw it across the room with such force that it shattered against the wall in a million pieces.
After that, I never refused to have my Bible study and went to the Kingdom Hall of Jehovah's Witnesses with my mother every Sunday. It was not long after that I too started believing what Jehovah's Witnesses taught. Looking back, I realize that their religion is a form of a cult. It is very controlling.
It wasn't long before I sunk into a deep depression when I woke up one day and realized; I was married to a man I was not in love with who was also a Jehovah's Witness, all I had to look forward to was going to church 3 times a week and going door to door to preach their message; I had a little baby to take care of, and I was not allowed to speak to my mother because she was disfellowshipped from the organization for committing adultery with an elder in the church. Disfellowshipping is like being ex-communicated. I was not suppose to have any contact with my own mother during this time.
I was lost in this world that was not what I wanted for myself. Their beliefs were ingrained in my head. I suffered deep depression and nightmares for years after I left the organization. I was trapped in my own mind. It took me 20 years to completely deprogram myself.
During this time, I never stopped praying for help. I began to search and read all different kinds of spiritual philosophy in hopes to heal. As I look back, I thank God for letting me see the light. Religion can be very dangerous. Man's interpretation is just that, man's interpretation. I understand this very clearly now.
I want to shed light on the dangers or control that religion can have over people's lives. My search for truth was not easy to say the least. I feel as though I suffered a dark night of the soul coming out of what I did.
I battled mind control and depression for years. I have come a long way but as a result, I lost years of my life. The best I can do with what I have learned from my experiences in life is to share my story a little at a time in hopes to help someone else.
I was angry for many years with my mother for forcing that religion on me. I have worked hard to forgive her. I realize now that she was brainwashed too and was only trying to do what she thought was best for me and my siblings.
I have learned that forgiveness is so important in life. Sometimes we can try to forgive, but we keep bringing up the past. I was guilty of this. I wanted to forgive and move on but it wasn't always so easy. I was not only hurting my mother by continuing to be angry with her but I was hurting myself as well by not letting go of the past. You cannot heal from your pain unless you forgive 100%.
I have come along way from where I was. The butterfly which is my logo, represents freedom and happiness. I truly believe that we as humans have the ability to heal from anything. Not only physical pain, but emotional and mental pain as well. We can be imprisoned in our own minds. This is the worst kind of pain. My story is a story of hope and healing. I am still learning everyday about life. I can finally say that I have a sense of freedom and happiness now. I thank God for this.
Finding Freedom
Hey, I found this really awesome Etsy listing at https://www.etsy.com/listing/504243899/whitelight-clear-quartz-crystal-pendant
Check out this Etsy item!
I want to share an experience I had about 15 years ago. Actually I am guessing as to how long ago it was. I cannot quite remember.
Late in the early hours of the nite, I awoke to a bright light coming in thru the blinds of the window at the end of my bed.
It scared the shit out of me because it was a light I had never seen before. It illuminated the black dark room which I was lying in. The light was white not like from the sun. It was not gold or yellow.
I saw it coming in from the blinds and I was curious to look out my window but didn't because I was frightened.
As I looked to my left I noticed light bouncing off a spoon I had left in my room that was sitting on a shelf.
I got out of bed quickly and gazed across the room. I noticed a picture my daughter had done in school which was hanging on the wall was illuminating white light.
The picture was of Mary Magadalene in prayer. My daughter had a class project where they did rubbings in white chalk on black paper over a gravestone. I remember having to purchase the black paper she needed for it. It was hanging in my bedroom at the time.
I was filled with fear because I knew this light was not from here. I covered my eyes with my right hand and was searching with my other hand for the light switch on the wall. I had to turn on the light because it freaked me out that my room was lit up by something other than a normal light. I wanted it to go away.
My heart was beating so fast. I had never experienced anything like it. For many nights I slept with the lights on after that.
I had to roll up the picture my daughter made and put it out of sight because I was frightened of it.
I only told a few people what happened to me. And to this day I rarely talk of it.
Shortly after that, I started researching white light and found out that usually people who experience this have had near death experiences which are called NDEs.
I was definitely not near death. I had been praying alot though and reading a book about angels the night before. Around that time, I remember listening to alot of David Bowie and his song Starman reminds me of what happened that night.
I was afraid to open the blinds because I wasn't sure if it was angels or maybe a spaceship waiting outside my room. I know that may sound ridiculous but I was not about to find out.
My search to find out about white light led me to read more about near death experiences. I believe now after many years I had a mystical experience. I believe something heard my prayers and I had a visitation.
I was not ready for it. If I was, I believe I would not have been so afraid. I was not expecting it.
In my reading about near death experiences in order to understand more about white light, my faith became strengthened. It was more fascinating to me than any spiritual books I have ever read. It reassured me that life after death does exist. And that there are others that exist beyond what we know in this reality.
It strengthed my faith and made me realize that our prayers are heard. At the same time, you cannot just wave a magic wand and expect things to happen miraculously. You have to make things happen for yourself.
It was if something out there was saying, I hear you and I am aware of what you are going thru but you have to figure it out for yourself. Just don't give up! It's going to be ok.
Light of Hope
A few months earlier I posted a quote by the spiritual teacher or guru called Mooji. I discovered Mooji on YouTube. I watch or listen to alot of different motivational speakers or spiritual teachers on YouTube, as well as listen to different types of music including mantras and relaxing spa music. Mooji popped up on my playlist and I never heard of him before but I was curious, so I listened to him speak. He brings me much comfort and wisdom which I am grateful for along with many other teachers I enjoy listening to like Deepak Chopra, Dr Wayne Dyer, Tony Robbins, etc.
Many spiritual teachers talk of the benefit of meditation. This is something that does not come easy for me. I tried it a few times without much success but recently I have been trying to do it again. It is a goal of mine to make it a part of my morning routine along with yoga. Anyway, it came to me that meditation unlike sleep, is a clearing of the mind. While sleep is like recharging your battery. It seems much like a computer. When your phone or computer starts to run out of charge, you have to recharge it. This is like when we sleep we recharge ourselves. And meditation can be likened to clearing our data out of our phone or computer. When it gets overloaded with too much data, you have to clear your data so it works at its maximum capacity. Just like our minds can get overloaded and we get stressed out and cannot see things clearly. So, thats what mediation is for, clearing or quieting our minds so we can connect to our true source.
Mooji's quote I posted under "Inner Peace" is as follows:
Goddess of hunted
Must become
Goddess of meditation
Delusion produces
If you want clear water
You must
Go to the source
The above quote is something I heard Mooji say in one of his talks. To be quite honest, I am not completely sure what he meant. But to me it means that sometimes we don't see things clearly as they should be seen. Our life or the way we perceive things often can become deluded and as a result we become fearful, angry, or full of anxiety and stressed out which causes pain and takes away from our happiness. So we must go to the source thru prayer and meditation asking to see things more clearly so we can have true understanding and knowledge.


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Showing results for tags 'armour'.
Found 7 results
32nd. Armor Regiment is Recruiting! (Oceania/SEA/NA) (ENGLISH)
Kongouuu posted a topic in Teams & ClansThe 32nd. is a mature (18+) discord clan. We are a clan formed with the love and passion of running armor in Squad. We have extensive experience with vehicles new and old on the battlefield. We are looking for others that are passionate about Armor as us. We accept anyone, and everyone that is willing to be open to others and learn from each other. This is a casual clan, there will be no forced training. Only your time to game with us on your own accord. We are accepting players from Oceania, South East Asia & North America Here's a small edit of what we usually do, don't mind it we don't take it so seriously either. Just hit me up here and we'll get you into that discord! Regards, 32nd. Kongouuuu
inconsistency with tank armour profiles?
Dat mangos posted a topic in General DiscussionI have been running tanks ever since they arrived on the scene. My crew and I thought we had everything figured out and under control after just a few rounds,however battle after battle has left us all,more and more puzzled. The first 3 or 4 rounds of squad that we played that involved tanks,we were able to figure out that the T72 has amazing front Armour,and can normally take on an Abrams as long as you angle the tank down,and hit the Abrams in the front center plate. We verified this by playing as the Abrams for some time. We also concluded hitting a T72 in the rear,side,or lower center front plate,could wreck it in short order. So every thing is fine right? We know each tank has weaknesses and strength,this is perfect. Wrong. It was some time later,after 12 or 15 rounds we started running into an anomaly,every now and then,we would meet an Abrams that seemed to have totally different Armour weakness zones. For instance,the "eye" of the tank (where the gun mounts to the turret) is normally a weak spot,and could render the tank dead after a few hits,was now bouncing shots right off it. At first we thought this was due to the attack angle E.I. us being to low to impact solid. But it continues,and after using Kornet launcher extensively,I noticed the same issues there. Some times I can kill an Abrams with 2 rockets,other times it takes 5 or 6. As far as I can tell the angles are not an issue,and if the explosion graphic can be trusted,I am hitting the same spots on the tank. This is frustrating,because it seems to be random,and takes away from the skill of tank fighting,when suddenly a tank is much stronger,and you have no way of knowing until you engage. Going to the firing range is no help,as the tanks there seem to have no Armour at all,and can be killed extremely easily. So I have to ask if this is intentional? Has anyone else noticed this? Is server health a big part of it? Where can I get a true read out of the tanks Armour profiles? is there a plan to normalize tank impacts in the future?
Kicked from squad , eject from vehicle
Smee posted a topic in Feedback & SuggestionsWith armour at present when kicked from squad you go to recuit but your still able to drive. Can we get driver ejected. Was an loner in a squad took the armour was kicked then drove at the enemy, no gunner, just died and basically ended the round.
The future of Armour - Specifically MBTs
Lightly_Salted posted a topic in General DiscussionWell, I feel like it's confirmed for the future of Squad that there will be 'heavier armour' involved. And personally, I cannot bloody wait. Having a relatively realistic, modern military tactical FPS, with excellent graphics and aesthetics, and then being able to crew an MBT? I can already feel tear coming from my eye the moment I see a 120mm cannon fire and kick up huge dust clouds... and the sounds... Enough of the orgasmic thoughts. Onto my question; The one thing I think will ruin it for me, personally, is if they do not add tank interiors. I feel the role of a tank wont be firing the cannon at every possible moment, gunning it at high speeds and always being engaged in combat. I feel there will be periods of scouting and waiting for the right moment, or the right targets, if OWI play their cards right. I don't feel like this will be very immersive if we're constantly sat staring through a computer screen, it would be great if we could zone out for a second to take a look around the interior of the vehicle. And maybe, possibly, turn out of the vehicle too if we were a driver or commander? (The gunner can't turn out, and I doubt we will have a role for a loader as that will just be dreadfully boring ) So, as stated, will we get tank interiors? To give us something pleasing to look at, to give us the immersion we need and want when driving a 60+ tonne vehicle around a dusty battlefield eradicating targets with unnatural force. I mean, this is all based on a big 'IF', being if they add MBTs in the future in the first place.
My hopes for the Tank-Gameplay
Thonar posted a topic in Feedback & SuggestionsHeyho Squadies! I really like the infantry game-play. While it is easy to learn it is pretty hard to master. It feels intuitiv but at the same time it has a realistic feeling without being overly complex. This is, as I hope, will follow into the vehicle gameplay. In this topic I would like to discuss my ideas/ hopes especially for tanks, without knowing how they played out in PR. I draw my experience out of SteelBeasts Pro PE, which is a full fleched tank simulator. Despite being a simulator, it did a lot of things correct and simple. Crew-System While I would like to see a 3-men crew-system, meaning driver, gunner and commander being playable, I would understand when it would only be a two-men-system: Gunner + Commander. In the two-men-system the commander would be the guy who controls the movement of the tank and this solution seems to be the best IMO. Commander: He "drives" the tank, can look outside the hatch, controls maybe a remote-weapon-station (if available) and gets his own optics. When he uses the optics-mode, he can bring the gun on his sight with a simple left-click on his mouse. With a right-click he can bring his vision on the current sight of the gunner. This would implement a hunter-killer-ability of modern tanks and enhances inner-tank-teamplay. Of course in this case to fire the RWS would need to be on another key, but this shouldn't be a big deal. With a press on the "prone"-key, he would get the smoke-screen up. Gunner: He shoots the gun over his optics, without the ability to look out on his own. There should be two optics available to him: The "normal" main-optics with thermal-imaging and different zoom-level and a optical-solution with a fixed zoom, no Laser-Range-Finder or Dynamic-Lead as a kind of emergency-optic. Should the tank be only be crewed by a single person, an instant switch between both position should be possible, while driving should also be possible from the gunners-position in such an instance. How to fire the gun As you have seen, I haven't written much about the gunner in the part above. Shooting a tank-gun should be more complex, than shooting a rifle. I imagine it the following way, without getting too complex: 1. The player identifies a moving target over his optics 2. With the "Lean"-keys he zoomes onto the target and brings the optic on target. (e.g. with the left-lean-key you change the zoom, with the right-lean-key you turn on/off / change the Thermal-Imager) 3. Middle-Mouse-Click: Lasering the target, when "hit" then he gets a correct echo (he gets a solid red range number into his optics), when he misses (or the laser is blocked) he gets a wrong echo (blinking red number with the measured distance). 4. Right-Mouse-Hold: Because he needs to follow the target with his optics, this way the dynamic lead is "programmed" into the FCS. 5. Left-Mouse-Click: He fires the gun... when he got everything right, he hits the target... if not, he misses. What he needs to learn is to program in the dynamic-lead correctly (when he follows the target too fast during the "hold" period, he shoots in front of it, if he follows it too slow, he shoots behind it). When he got a wrong laser-echo, he needs to either lase again or shoot with a wrong echo by adjusting the distance manually (aiming above the target). Lasering isn't constantly possible. If you would laser too fast (around lasering every second), the laser might overheat and will need a short cool-down period. After the gun is fired, the crew hears some loading sounds and then a generic voice of the loader with something along the lines "Sabot in", "Sabot loaded", "HEAT in", "HEAT loaded", I don't now the correct terms of our English friends, they might help you out here. When such a system is implemented, using a tank-gun gets far more interesting and realistic. It would even be possible to put in the different mechanics of the nations, when wished, but I think the above system would be fine as a generalization. Is the enemy dead? This is an important point for me: Everybody knows that an enemy tank is destroyed, when his ammunition cookes off (while we are at it: can we have this please) or he draws the head (his turret flies away)... but when you hit an enemy tank with an APFSDS-round, the only thing you see might be a flash, dust and a standing enemy tank... you don't know if the crew inside is completely dead, if they are only wounded, if the gunner might be even alive and shoot back... you need to wait and see... or sent a 2nd round downrange until you are sure. Thus the damage-mechanic is important: Optics, Crew, Ammunition, Tracks, Engine, Turret-Rotation, Stabilizer, LRF, ... should be destroyable if possible and cause different problems to a crew of a tank... while at the same time you could still work with a invisible "health-bar" that renders the tank completely destroyed. When a tank is destroyed it should just stay there without doing anything most of the time and only with a small chance of a cook-off or explosion (which is of course higher, when the ammunition compartment was hit). Armor and Ammunition It seems the developer are on a good way here from what I found in the forums... but please, can we have working ERA? sincerly, Thonar
Vehicle Brainstorming (Post Pictures)
Captain_Spoon posted a topic in Feedback & SuggestionsJust interested to see what the community has in ideas, not saying it should be in but just spewing some ideas out. Such as odd Soviet era tanks. Or anything in general... Examples.... IDF MAR-290 Soviet Scud Soviet BTR... Again just brainstorming odd vehicals, plus as a history geek I learn something new when someone post something interesting. Please post with pictures
How I Want To See Armour In Squad
Baltimorex posted a topic in Off-Topic Discussionhttps://www.youtube.com/watch?v=MmNkafvLAYU&list=PLPTK08BmHAN_foFeqJb96a4HCn0Hs8MAC&index=2


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Lemon Chicken
Member recipe by joinglis
ServingsServes 4
Quick and easy, chinese style, lemon chicken. It is even tastier than a shop bought, lemon chicken ready meal. The lemon sauce can be adjusted to suit your taste
This recipe has been submitted by the Good Food community. Sign in or create a My Good Food account to upload your own recipe creations. Please note that all recipes will be moderated but they are not tested in the Good Food kitchen.
Save to My Good Food
- 4 chicken breasts, diced & cornflour to coat
- 2 bunches spring onions
- 2 green peppers
- 4 lemons, juiced & zested (reserve a little lemon juice & half lemon zest to add to pan with chicken)
- 1/2 litre chicken stock
- 4 tbsp sugar
- 2 tbsp cornflour
- Rice to serve
- Coat diced chicken with cornflour & fry with a little oil until cooked and well browned. Set aside and keep warm
- Put rice on to cook
- Chop spring onions finely & slice green pepper into strips
- To make lemon sauce, put lemon juice in saucepan with chicken stock & sugar. Heat gently
- Mix cornflour with small amount of water
- Add cornflour paste to lemon sauce and warm through, sauce will thicken slightly. Add more sugar to taste if required. Add lemon zest at the end
- Just before rice finishes cooking, fry spring onions & peppers over high heat, It is best if peppers retain their crunchiness, so only cook for a few minutes at most. Add chicken back to pan, along with reserved lemon juice & zest
- Pile chicken mix onto a bed of rice and divide sauce between servings. (We serve the sauce in a jug so everyone can help themselves)


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Dear Members,
I wanted to reach out to you and ask for your support. Almost 4 years ago a parent of one of the swimmers in the club who I knew well due to mutual external friends broke the news to me on the gala pool poolside that at the tender age of 29 she had advanced breast cancer. She was given the grim diagnosis that she may have a matter of months rather than years. A broken heart and with so much to survive for Hayley is now 4 years on and still fighting. Hayley's daughter holly used to swim with us and she is one of Hayley's 4 children. Hayley has undergone endless chemo and her treatment options have come to an end in the UK. I am asking if you could help with her continued treatment in Germany that has given her signs of progress. We have 300+ members in our club if we all donated £10 we could significantly contribute towards helping to save this young ladies life. I am asking you to please share a thought for Hayley and try and help her therapy. Please check out Hayley's page Hayley's wish is always just to keep fighting to have more and more days with her family. Provide hope for others that no matter how big the challenge hope can over come anything.
Rich P
Hayley's Wish
Dear Members,


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Black Kids >> are back in full effect in 2014 and recently they kicked off a long overdue and highly anticipated tour including a return to Phoenix. Prior to that refreshingly nostalgic and killer show, I sat down with Black Kids' founder … Continue reading
Posted in music, rando, zTALK Tagged black kids, brooklyn, cheers, clubhouse, florida, game of thrones, georgia, growing pains, mates of state, night school, origami, partie traumatic, perfect strangers, phoenix, portland, reggie youngblood, rhythm room, tempe, ztalk Leave a comment
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Jessica Hernandez & The Deltas >> Rock & Soul in Atlanta [The Earl]
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With the opening of Pandora: The World of AVATAR over the weekend, the world was finally introduced to the beauty and splendor of the nighttime bioluminescence that fills the newest land at Animal Kingdom when the sun goes down.
While there is no grand lighting ceremony, watching the plants and walkways slowly come to life as the sun goes down is pretty neat. It's not the greatest nighttime lighting package I've ever seen, but it's still awesome to see. While I still think Cars Land at Disney California Adventure is far more grandiose (in the mountain range alone, never mind all of that fantastic neon), this is a solid runner up.
Nighttime on Pandora is a hard thing to capture in pictures or video, so you will need to see it for yourself before you judge, but here is a look at some highlights:
Last night, we actually got caught in the land during a thunderstorm which offered some really beautiful shots.
We also have video of that experience to share:
If you haven't seen it yet, a nighttime trip to Animal Kingdom is certainly in order to experience Pandora: The World of AVATAR at night.


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The Cityparents Blog
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Five little words but yet with such potent qualities that can make the difference between a healthy stress free day and a meltdown. Some days I find myself spread so thin, having promised ... Read More
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"I attended a Cityparents seminar a few weeks ago, ran by mother and parenting expert Sarah Ockwell-Smith. The topic was "Understanding Naughty." My son is almost 2 and a half - if I... Read More
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Its scarcely seems like almost three months since my youngest son was discharged from hospital. I felt at the time as if my world had been turned upside down; indeed, all of our worlds had been turne... Read More
Kim's blog: Reflections
It's my second to last ever Primary school summer fair today which means its nearly the end of term and time for melancholy reflections on how much the children have grown up and changed since ... Read More
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Peace's blog: What's in a name? The art of customer service.
After placing my order that morning on my way in to work, the juice bar tender says with a smile, "your smoothie will be ready in 5 minutes; your name is Peace, right?" Let's rew... Read More
Dolly's blog: Time.
It was a funny old week. Mr D was working, but the kids and I had a half term staycation. I enjoy these one parent holidays because I've realised how much more I interact with the c... Read More
Caroline's blog: Little words go a long way
I love bookshops. I can happily whittle away any chunk of time browsing books on any subject area going. Last week, on the way to a meeting, I had some time to kill at Waterloo station, and so indulg... Read More
Addy's blog: Never ever say sorry for crying
Did you know that suicide is the biggest killer in the UK in men under 45? That globally 320 million people are diagnosed with depression and that in the UK 1 in 4 people will be having mental health... Read More


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Sagging SME credit needs full press on policy
As business banking becomes more politicised, the full-year results of the nation's largest business lender, National Australia Bank, make grim reading for policymakers.
They have been hoping for some time now that credit will start to flow into small to medium enterprises (SMEs) to kick-start economic growth.
NAB, which has a 25 per cent share of the SME lending market, said on Thursday its SME lending book had grown over the year by 3.5 per cent, but growth slowed in the second half.
Even that sluggish performance was lifted by just two areas, agribusiness and health, which each grew by 9 per cent. In other sectors, growth was just 1.2 per cent.
The slide pack released by NAB also revealed the average growth in SME lending by its three main rivals – ANZ, Commonwealth Bank and Westpac – is just 0.4 per cent.
"Across the wider banking sector, business lending growth continues to be driven by lending to large corporates, with small business lending remaining relatively flat," said Tim Dring, EY's banking and capital markets leader in the Oceania region.
NAB said its poor performance was a function of sagging demand by small businesses for loans, which it said was a function of a lack of confidence.
[A] lot of small businesses are choosing to deleverage rather than asking for more credit.
— Gary Lennon, NAB CFO
Just as mortgage customers are using recent cash rate cuts to pay back more of their debts faster rather than spend, NAB's chief financial officer Gary Lennon said "a lot of small businesses are choosing to deleverage rather than asking for more credit".
There have also been process issues, brought on by bank conservatism in the wake of the Hayne royal commission, as responsible lending laws and a more onerous code of banking conduct have slowed down approval times.
Business investment as a share of nominal GDP has fallen from 18 per cent in 2011 to just below 12 per cent today, according to the Reserve Bank chart pack released on Wednesday. It also shows how business credit growth climbed strongly after the GFC through to 2015 but has been sagging since.
So are conditions going to improve any time soon? Westpac said this week it thinks business credit growth would slow over the next year, to 3 per cent.
EY, in a report on the major bank results published on Thursday, said the business outlook is uncertain. Non-mining business investment has disappointed and non-mining profits are flat, while concerns over global trade tensions mean business conditions and confidence are both running below long-term averages, EY said.
'Tinkering around the edges'
The government is trying to lift the flow of credit with new policies. For example, it has convinced the big banks to jointly invest equity into a $500 million public-private business growth fund for fast-growing small firms.
Treasurer Josh Frydenberg also wants ASIC to not enforce responsible lending laws on business loans.
NAB confirmed this week this had been a real problem. Given many SME loans are secured by residential property, banks have been assessing applications for business credit based on requirements in the consumer credit laws, which are more conservative.
NAB's acting CEO Philip Chronican said this approach is tinkering around the edges. On Thursday, he called for a broad-based, co-ordinated focus to unblock the SME credit pipes.
"If we agree on the primary diagnosis – which is there is inadequate business investment to generate growth – maybe we need to have a concerted action across all arms of government to identify all of the barriers to business investment in Australia," Chronican said on Thursday.
He suggested the Council of Financial Regulators, which came together to align the policy across all the regulators to cool over-heating housing markets, could similarly examine the impediments to lending more to businesses.
"The most important issue that I think our leaders in Canberra and our leaders in business need to focus on, is that if we're going to have sustainable growth in Australia it needs to come from business investment," Chronican said.
"Therefore, the more we can do to drive confidence in the small business community, and ensure that we as banks are able to be in a position to support that confidence with credit, the sooner we're going to get onto a sustainable growth path."
The core focus needs to be reducing red tape and the complexity of regulations, he said. Policy should not only be focused on setting tax levels, but on processes for complying with laws and making claims.
NAB last year cited research showing that on average, business owners spend more than 250 hours a year on tax compliance, or six working weeks. This is largely a function of the complexity of the tax system, which has more than 100 different forms of tax.
Chronican said many of the true impediments to business investment are "to do with the increasingly complex regulatory environment that our business customers have to operate within".
He said tax cuts were helpful, but "if you wanted to have a near-term stimulus to business, it would be to lower the regulatory burden on small business to enable them to invest to grow".
"If we want to be a kick-start to a business investment cycle, we'd be better off focusing on micro-economic reform and regulatory reform."
Hayne impact lingers
The full-year results of three of the major banks this week also revealed the lingering impact of the royal commission, which has caused banks to trip up on their own loan approval processes.
Chronican pointed to not only the responsible lending laws, but the industry's own code of conduct, which has added requirements on the use of small businesses by loan guarantees.
"We are not rejecting any more [loans] for credit reasons," he said.
"I do think the process has slowed, with both the responsible lending obligations and the new code of banking practice, that has included a range of additional steps that have complicated the process."
Other banking leaders are also keen to ramp up lending to small business as they seek to restore trust with the community. At a customer forum this week, Commonwealth Bank CEO Matt Comyn acknowledged banks cannot be focused solely on housing lending.
"The economy can't be reliant on housing being the sole source of creating economic conditions," Comyn said. "We have to get a more positive sentiment in the economy more broadly, and a big part of that is getting businesses who are willing to invest and grow their business. And banks have an important role to finance some of that investment and growth."
Westpac chief executive Brian Hartzer and Comyn were asked about business lending on Friday during Parliamentary committee hearings in Canberra. Hartzer explained that "overall, business credit demand has been pretty weak and that has been pretty broad-based".
Demand for credit from large corporates tended to involve significant transactions where there is M&A activity. While there is some demand in sectors like mining and infrastructure, where big projects are underway, "at the small end it has been pretty weak", he added.
"Essentially it boils down to business confidence, and a level of certainty around the operating environment has been a big issue for people," Hartzer said.
"The number one issue when we talk to customers about the certainty aspect is really about red tape and the perception of the difficulties of navigating regulation as well."
The results this week show banks remain cautious about the economic outlook. Westpac is expecting operating conditions next year will continue to be difficult against the backdrop of low interest rates, slower growth and continued regulatory intensity.
While it is expecting GDP to improve, mainly due to more government spending, and housing prices to continue to recover modestly, housing and business credit growth will be about 3 per cent in 2020 while personal lending is expected to contract.
"We are expecting some stimulus from tax cuts and low rates, although the impact of this will be limited by continued softness in the labour market," Hartzer said.
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Rejoice, luxury hotels across Australia are beginning to reopen
- Fiona Carruthers and Nina Karnikowski


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Less than a year after Destroyer of Light sent us deep into the Chamber of Horrors, they briefly stopped by to remind us all that everything is Hopeless. Lame jokes aside, a two-song EP like this can either be a filler release to keep a band's name out there or a chance for them to try something new. While Hopeless remains defined by Destroyer of Light's doomy tempos and almost operatic vocals, they found a new way to present these elements.
When comparing this EP to Destroyer of Light's previous outings, I can't help but wonder if they were as entranced by Bell Witch's Mirror Reaper as everybody else was in 2017. You won't find any growled vocals on here and the tempos don't reach that eighty-two-minute opus' funeral doom exhaustion, but these songs are slower than anything they've done before. The guitar playing is also much more melodic and a mournful air can be felt throughout, certainly a far cry from their usual horror doom fare.
Fortunately, the band happens to be pretty good at this style and both songs are executed thoroughly well. While "Nyx" sees more of that mournful side coming through, especially at the soft closing, I may enjoy "Drowned" a hair more due to its comparably straightforward riff set. The short overall runtime may lend a hand in these eight and nine-minute tracks never outstaying their welcome, but they'd probably be just as solid with a couple more tracks surrounding them.
The Hopeless EP is far removed from Destroyer of Light's brand of doom but considering how much the band has changed since their conception, it isn't too surprising to see them pull off a different approach to the genre. Seeing how the band is planning their third full-length album for next year, it'll be interesting to see how this sound plays into it or if this'll just be a one-time thing. Either way, Hopeless is worth checking out for those who like their doom transcendentally sad.


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Hoodwinker Sunfish, Mola tecta Nyegaard, et. al. 2017
A Hoodwinker Sunfish, Mola tecta, stranded on shallow waters in Port Phillip, Victoria. Source: Martin F. Gomon / Museums Victoria. License: CC by Attribution
Unlike other Mola species, the Hoodwinker Sunfish does not develop a protruding snout, head bump or chin bump, and lacks swollen ridges on the body - rather juveniles and adults have similar body proportions. The clavus has a rounded margin and is separated into upper and lower parts that are connected by a small flexible indented piece of skin, termed the "back-fold".
Video of a Hoodwinker Sunfish filmed off Chile.
Hoodwinker Sunfish, Mola tecta Nyegaard, et. al. 2017
More Info
|New South Wales, Victoria, Tasmania, South Australia. Elsewhere the species occurs in temperate waters of the Southern Hemisphere, around New Zealand (mostly around the South Island), off South Africa and off southern Chile. Like other ocean sunfish, this species is likely to dive hundreds of metres to feed, and warm their bodies by basking on their sides at the surface.
Dorsal fin 16-18; Anal fin 13-15; Pectoral fin 11-13.
Clavus meristics: 15–17 fin rays (13–15 principal, 2 minor), 5–7 ossicles, paraxial ossicles separate. Clavus morphology: prominent smooth band back-fold, rounded clavus edge with an indent. Body scale morphology: raised conical midpoints, non-branching.
Body scales sparsely set, conical, varying in size without branching tips.
M. tecta does not develop a protruding snout, head bump or chin bump, and has a short dorsolateral ridge extending to the rear of the pectoral fin; body proportions remain similar with growth.
|Feeds on salps and siphonophores (based on gut contents of several specimens).
The specific name tecta is from the Latin tectus (disguised, hidden), as this species evaded discovery for nearly three centuries, despite the keen interest among early sunfish taxonomists and the continued attention these curious fish receive.
The common name, 'Hoodwinker', pertains to the figurative meaning 'trickster, deceiving by disguise'.
Species Citation
|Mola tecta Nyegaard, Sawai, Gemmell, Gillum, Loneragan, Yamanoue & Stewart 2017, Zool J. Linnean Soc. zlx040. Type locality: North Taranaki Bight, west coast North Island, New Zealand (38°25.5′S 174°9.0′E), trawl, 78 m.
Bray, D.J. 2017
Atlas of Living Australia
Catalog of Fishes
Hoodwinker Sunfish, Mola tecta Nyegaard, et. al. 2017
Nyegaard, M., Sawai, E., Gemmell, N., Gillum, J., Loneragan, N.R., Yamanoue, Y., Stewart, A.L. 2017. Hiding in broad daylight: molecular and morphological data reveal a new ocean sunfish species (Tetraodontiformes: Molidae) that has eluded recognition. Zoological Journal of the Linnean Society zlx040, 28 pp. doi: 10.1093/zoolinnean/zlx040 Abstract
Yoshita, Y., Yamanoue, Y., Sagara, K., Nishibori, M., Kuniyoshi, H., Umino, T., Sakai, Y., Hashimoto, H. & Gushima, K. 2009. Phylogenetic relationships of two Mola sunfishes (Tetraodontiformes: Molidae) occurring around the coasts of Japan, with notes on their geographical distribution and morphological characteristics. Ichthyological Research 56: 232–244 (as Mola sp. C)


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|7"x5" oil on paper
This small one martini is painted on paper and I used water soluble oil paint! They are great! I'm amazed.
While using them I added water to thin them down as if I were using acrylic and when the painting was finally dry it is like oil paint. So cool! I used the Winsor & Newton Artisan brand.
Tomorrow..."Extra Special Just For You!"


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Start Over Collection International Workers' Order (IWO) and Jewish People's Fraternal Order (JPFO) Creator Jewish Peoples Fraternal Order of the I.W.O. (U.S.) Format Text Date Range 1946 Subject Antisemitism Subject Education- Shule, Ordn Schools, Other Work Type communism Work Type historical figures Work Type educating
Cornell University Library Digital Collections
Below is a list of collections available on this site. Visit our library catalog for a complete list of digital collections.


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Welcome to the Newschoolers forums! You may read the forums as a guest, however you must be a registered member to post. Register to become a member today!
chris.goodhuewell glidecam makes different models for different weights, look on their website and see what the tolerances are and compare that with how much your lens + camera + mic? weighs....youll have to do the same thing if you get a gimbal....
lelandbroadhurstYea I know they do.... unfortunately my old cam setup got stolen so I only had enough saved up for this plus 2 kit lenses... the 16-50 pz and 56-210 oss, and unfortunately unless I can find a way to adapt a shotgun mic onto it, there's no mic input so looks like edits will most likely have no sound :(
ski.the.eastit sucks that the A6000 doesn't have an input but you aren't outta luck, sony makes this: https://www.sony.com/electronics/handycam-camcorders-microphones-speakers/ecm-xyst1m and there are similar cheaper options: https://www.amazon.com/Sony-ECMGZ1M-Zoom-Microphone-Black/dp/B00HPM0826/ref=sr_1_2?s=electronics&ie=UTF8&qid=1480617476&sr=1-2&keywords=a6000+microphone
and back when I used to use a glidecam with an A7S I used a manfrotto quick release plate, and mounted velcro underneath the top glidecam plate and attached groups of the heaviest washers I get at the hardware store depending on what lens I had mounted. The quick release plate is key so you don't have to rebalance every damn time, so the camera is always in the exact same spot. The glued together washers were key to add more weight to the whole rig so the top and bottom are even. More weight = steadier
lelandbroadhurstDang, thanks for the advice man that's gonna help a lot, and I already have a regular quick release plate from my tripod head, could I just use that or do I need to get the whole system? Also that stereo mic looks pretty nice, only thing I'd be worried with that is that it could attract a lot of extra wind noise since I don't see a way to throw a deadcat on there
ski.the.eastwhat type of tripod head/plate do you have?
and I wouldn't worry because you can find a compatible deadcat for pretty much any microphone, including the two I linked you
lelandbroadhurstgot an andoer fluid head, I love it, it was 20 bucks and is super smooht and all metal. heres a link: https://www.amazon.com/Andoer-Tripod-Monopod-Release-Manfrotto/dp/B00P22ORAK/ref=sr_1_1_sspa?ie=UTF8&qid=1516843630&sr=8-1-spons&keywords=andoer+fluid+head&psc=1


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The highly detailed, blow-by-blow My Top Tier Business review (with screenshots) can be found at: http://www.nomorebsreviews.com/top-tier-business-review-sleazy-marketing-sleazier-product/
Transcript for this My Top Tier Business review podcast:
Today, we're taking a product called My Top Tier Business by a guy named Matt Lloyd which uses some of the most dishonest, sleaziest, shadiest sales tactics I have ever seen in the Internet marketing industry.
The audio version of this review has been edited for the sake of brevity. For the complete, unedited review with supporting screen shots along with the full library of resources to help you get started in Internet marketing for free, visit NoMoreBSReviews.com and search for the product name at the top of the website.
On the My Top Tier Business sales page, Matt Lloyd has put together what, as far as I am concerned, is the best sales pitch I have ever seen in the Internet marketing industry. That is, give me $49 to gain access to the My Top Tier Business members' area, go through the 21 steps, if you are unsatisfied or you haven't made any money by that point in time, I will give you $500 out of my own pocket.
I don't know how many people could resist that. It sounds very tempting but it also makes raise an eyebrow. It makes you think, what's the catch? In this case, there's a big one. That is, once you get into the My Top Tier Business program, you start going through the steps, just a few steps in your blot. You cannot complete the 21 steps until you pay $1,997 for what they call the MOBE license, which I think is pretty ridiculous.
That's probably the biggest beef that I take with this product because your first impression is, I'm in the product now and I was just absolutely lied to. There's just no other way around it. They promised me, pay $49, if you're unsatisfied I can get $500 and now, the thing in between is, oh, by the way, pay us $2,000. I don't know about you, I think that's pretty ridiculous. I think it's extraordinarily dishonest and it's an absolutely horrendous first impression of the product.
The second problem that I want to discuss with My Top Tier Business is the fact that you have to pay to be an affiliate. That $1,997 MOBE license that they're selling you is just a really fancy way of saying, hey, in order to sell our product, you have to pay almost $2,000 for a license for the rights to resell it. Across the affiliate marketing industry, almost nobody charges to be an affiliate for them because your job is to go out and sell their product. Why would someone charge for you to have the ability to sell their product?
My third problem with My Top Tier Business is what I perceive to be an extraordinarily unethical sales model. That is, in My Top Tier Business, whenever you pay for that $1,997 license, if for some reason you decided to spring for it, which you are actually paying for, is you're paying for access to resell the product. You don't even really have to do a whole lot of the selling which is awesome in theory, Matt Lloyd's team under the My Top Tier Business umbrella is going to do the selling for you. Anyone you want to refer into My Top Tier Business will be contacted by a My Top Tier Business sales professional and then they will pitch the opportunity on your behalf.
Let's think about this. The person at the head of the company that trains the sales team is the same person that wrote the sales page that uses extraordinarily dishonest sales tactics and withholds a ton of information. And now, you're letting the same company take your friends, your family members, anyone you refer through a website or any of those leads you collect elsewhere, you're letting them now pitch this person a product that they may or may not buy and if they buy, statistically speaking in this industry, are way more likely to never make their money back than they are to make a singe penny.
So although I think there's some decent financial upside here if you want to do this, if you're okay with this, if ethically, this is something you're okay with and you want to do, I think there's some money to be made here. Personally and for pretty much everyone I know, I could say without a doubt, ethically, that crosses a line. You've got a low quality product, you have dishonest sales tactics used and now you're entrusting these people with the names, numbers, e-mail addresses of other people just so you can try to make a couple of thousand dollars off of each sale.
For me, that crosses a line. I won't make money with any of my businesses at the expense of someone else if they're going to buy something that's not going to give them any value. For me personally, that crosses a line. For you, it may not and if it doesn't, My Top Tier Business might be a good program for you to look into. For that and the other two reasons I've discusses in this podcast, personally, I cannot recommend My Top Tier Business by Matt Lloyd. I think it's dishonest, I think it's shady. I think, personally, it represents a lot of the things that are bad in this industry and that are driving down quality of products and quality of websites and sales pages within this industry and I won't personally contribute to that all.
My name is Ian Pribyl with NoMoreBSReviews.com. I want to thank you for listening. I hope you found this review to be helpful and if you're interested in legitimate, step by step training on how to get an honest start in Internet marketing, visit NoMoreBSReviews.com and look under the free stuff section at the top of the site.


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Posts Tagged 'nonfiction'
Writing my First Non-Fiction Book
So, I succeeded in forcing myself not to write any first drafts fiction. I was not scheduled to write any first draft and I've been telling myself that for months now, but I just can't help it. Now, I succeed in not writing first draft. I'm scheduled to join a class, where I think we…Read More


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Important Dates –
- Date of Employment – 13 Oct 2018
- Last date of Receive of Application form 21 Days from date of Publication in Employment News (Approx – 02/ Nov 2018 )


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If you have a large home remodeling job taking place in Perryville, MO, you are likely to wind up with loads of waste around your personal property that you'll have to keep out of the way as well as throw out. Dumpsters 4 Cheap can supply you with a roll-away dumpster that will allow you to stop debris from building up all over your yard. Renting a unit from our company results in a smoother job for you. We will pick up the full container and discard it according to Perryville regulations without interrupting your timeline. Call us at 844-244-0580 and one of our team members will help you find out more.
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