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American Justin Thomas has decided to conclude his Open Championship preparations by participating in the Scottish Open in July that will be taking place at The Renaissance Club in East Lothian. The world number six will be taking part in the event for the first time in his career.
After having missed the chance to play in two his three previous Open Championships, he is hoping that playing in the Scottish Open will prepare him for the Open Championships that will be taking place shortly after.
Talking about his participating, Thomas stated that he was trying to figure out a different way to go about playing The Open, which is a tournament that he loves. He added that he loves links golf, but he has not played very well in the last three years, and that he has been looking at a number of different ways to prep, deciding finally that there was no better way of doing it then going over to the Scottish Open and becoming acclimated to the gameplay and what to expect.
Thomas recently missed the USPGA, which was ultimately won by Brookes Koepka, due to an injury to his wrist, and has not played in the professional golf scene since The Masters in April. However, the winner of the 2017 USPGA has said that his healing process is completely, and that he will be returning for the Memorial tournament in Ohio, US. The Open will be taking place at the end of July at Royal Portrush.
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There is a lot of fuzz surrounding SIP investments and a lot of people are confused because they do not know exactly what to do with all the information that is circulating through various modes of communication. The truth is that SIP is a great way to save and invest a fixed sum regularly in a mutual fund scheme. Mutual funds are a great investment vehicle to create long term wealth and one can start their investment journey in mutual funds via SIP. Why SIP? Because in the long haul, SIP has the power to convert one's small investments into a commendable corpus.
And one way to ensure that your SIP investments are in sync with your financial goals is by using the SIP calculator.
How is the SIP calculator useful?
Online SIP calculator is an easy-to-use tool that lets investor determine their future returns which their SIP investments might be able to fetch over a certain duration. There is also a lump sum calculator for those who want to calculate their future mutual fund returns made through lumpsum investing but SIP investing is much better as one does not need to have a large sum as principal capital for starting their investment journey. To get a rough estimate on the returns which individuals can earn through SIP, mutual fund investors can use the SIP calculator.
However, the SIP calculator does not take several factors like exit load and expense ratio into consideration while computing results.
The SIP calculator is grounded on the following formula –
M = P × ({[1 + i]n – 1} / i) × (1 + i)
In the above stated formula –
'M' stands for the amount you receive upon maturity
'P' stands for the amount you invest at regular intervals
'n' is the number of payments you have made
'i' represents the periodic rate of interest
Calculating returns with SIP calculator
There are two different ways in which a SIP calculator can work. This may vary depending on which SIP calculator you use. Of course, all SIP calculators serve the same purpose but might be designed by AMCs in a slightly different way from one other.
If you know what your ultimate financial goal is, all you have to do is –
- Enter the corpus that you want to achieve e.g. Rs. 50 lakhs, Rs. 1 crore, etc
- Enter the expected rate of return i.e. the CAGR of the scheme, e.g. 8%, 10%, etc.
- Enter the investment horizon i.e. by when you need the above mentioned corpus. Depending on the calculator you may have to enter this in either years or months
The SIP calculator will compute and display –
- Total amount invested
- Targeted amount (total investment sum + interest earned)
- Monthly SIP sum that one needs to invest to achieve the desired financial goal
This is one way to use the SIP calculator. Another way to use the calculator is to find out how much your current monthly SIP investments can fetch in the long run.
To use the SIP calculator this way –
- How much you are investing in mutual funds via SIP every month or how much you want to invest every month
- Then enter the number of years / months you wish to continue investing this sum
- Enter the expected rate of return
The calculator will display –
- Total amount invested
- Total wealth created
Investors are free to change the monthly SIP investment sum, expected rate of return, and investment horizon so that the calculator can compute and display various results. This might allow the investor to plan his / her mutual fund investments in a better way.


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Taste the Italian cuisine and learn how to cook special courses. Experience a cooking class if you are in Lake Como area. A wonderful location overlooking Lario and a personal chef just for you!
Tag: Cooking Class
Cooking class in an enchanting town overlooking Lake Como to learn how to make Italian dishes? Enjoy a 4-hour cooking class with a professional chef and learn how to make Italian specialty!
12 April 2018Maria Sacchi


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professional qualifications
ability to read a technical drawings
responsibility and commitment
readiness to work: abroad, Poland
professional experience
knowledge of foreign languages an advantage
For work taking place outside the company's premises, we provide free accommodation and transport.
The recruitment process includes a free candidate skills test, the date of which is set individually.
CV and documents confirming the qualifications held should be sent in electronic form to the following email address: .firstname.lastname@example.com.. The company reserves the right to contact selected candidates. Please include the following clause in your CV: "I give consent to the processing of my personal data contained in my job offer for the purposes of the recruitment process in accordance with the Regulation of the European Parliament and the Council EU 2016/679 of 27 April 2016 on the protection of individuals with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation).


text: Reuge Music SA has appointed Yves Cavadini to the position of vice president of sales at the Sainte-Croix, Switzerland-based company. Cavadini has extensive experience in international sales, marketing, and management in the watch industry. He worked for 10 years with the Richemont Group, where he directed international sales efforts and developed a training program for the renowned Baume & Mercier brand. Prior to joining Reuge SA, he was sales director for the de Griscogono SA company in Geneva, Switzerland, where his responsibilities extended to both fine-watch and -jewelry segments. Cavadini earned a degree in economic and social sciences from the University of Geneva and is fluent in several languages.


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While physicians are increasingly valuing the care and expertise of hearing care professionals, the perception surrounding hearing aids can occasionally get in the way. "Physicians still think hearing aids cost too much," laments Robert Tysoe, a marketing consultant and owner of Hearing Healthcare Marketing Company, Portland, Ore. "Therefore they perceive our profession as a greedy profession."
It's a frustrating misconception that can only be changed by marketing your quality of care. What does this mean? John Greer Clark, PhD, professor emeritus in the Department of Communication Sciences and Disorders at the University of Cincinnati, puts it this way: "There is no true way to differentiate one's practice from the competition when marketing stresses product. Essentially, we all dispense the same thing…Marketing should always focus on the professional providing the service."
Tysoe agrees that sincerely stressing the "care" in healthcare can change perceptions and boost referrals among physicians. "We are just as altruistic as other clinicians," he says. "We want improved efficacy, and that's what physicians want. When you're focused on that, you improve outcomes, and when you focus on improving outcomes, you improve the quality of life of patients."
Dr Clark believes each practitioner should do a self-inventory to determine care strengths such as educational preparation, service hour flexibility, and service variety. All of these, he reminds, should be "expressed with statements reflecting empathy, compassion, and an appreciation for the communication difficulties the consumer and family are experiencing."
Building the value proposition helps to justify Tysoe's contention that "price is equal to the ratio of benefits to value," and emphasizing "care" in marketing makes the price more palatable. Broaching the topic of price via a frank discussion of financing options can be a significant part of the care paradigm—particularly if done in a tactful way.
Related article: Comorbidities and Eliminating Barriers for Establishing Referral Networks
"Physicians respond to these new and improved payment options because patients can get treated today," Tysoe says. "That means more compliance, which gets them to efficacy, lowers the cost of care, and improves quality of life. Financing options fit into the caring mode, but you have to say to physicians, 'I know how to overcome the barrier of price for treating patients with hearing loss.' And we all want to encourage patients to show up and get the care they need."
Dr Clark understands the need to discuss cost, but he cautions that the situation should dictate the discussion. "When meeting with a physician, I would never discuss pricing or financing options unless the physician makes a comment about price," he explains. "Conversations should focus on qualifications of the provider, care provided, and empathy toward patients. We need to differentiate ourselves and our service, not our product and our pricing. That said, if the topic is broached by the physician, we better have a prepared response that includes financing options."
Part of that prepared response should focus on practical financing solutions and convenience. "Companies such as Ally Lending allow patients to purchase new top-of-the-line technology and pay over time in the form of a monthly payment rather than breaking the bank with one large payment," Tysoe adds. "The patient doesn't have to use a credit card, and they may not even have one. They don't have to leave the family short of funds…I say that's compassionate care."
Correction: A previous version of this article misquoted a statement by Bob Tysoe regarding the relationship between value, benefit, and price. HR's editor apologizes for this error.


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- I haven't posted anything for a couple of days. So I'm guilty; mostly because I have been on trains or racketing around in London when not writing two rather difficult pieces, but also because Santa came on Tuesday with a box containing a dozen hardback copies of the Swedish book. They look beautiful, and they read all right. I asked the FWB for her opinion, and she said "In this draft, there were six typos." But I'm still feeling shamelessly happy.
- Sitting in a bar with Louise on Thursday evening and talking about our Viking slavery talk[1] I needed to come up with a reason why we were not demonstrating for human rights outside the Chinese embassy, as my wife and daughter were. "Radio Three", I said, "will get you through times of no human rights better than human rights will get you through times of no Radio Three."
- I spent most of today writing a review of Nicholas Lash's new book for the New Statesman. It is quite impossible to imagine that paper wanting a review of a collection of intermittently very dense theological essays ten years ago. People interested in what belief in God actually means could do a lot better than to start there.
- If, on the other hand, you want to know what a belief in Christianity looks like, head over to the comments section of George Pitcher's blog on the Telegraph. Note that he actually discovered one of the missing bits of the story: what it was that two American fundies were handing out in a Muslim area of Birmingham that got the (Muslim) policeman to tell them to go away or they would get thumped: yes; it was a Chick-like tract which claims that all non-evangelicals will go to hell.
fn1. This is an interval talk for one of the proms, which will explain how it was that every respectable Ukrainian family in the eleventh century could keep a British au pair girl.


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Nikon recently announced the launch of its first DSLR to feature a touchscreen monitor, but what other improvements does the new D5500 have over its D5300 predecessor? Gizmag takes a look at the key specifications and features of the two entry-level DSLRs to see how they compare, and which one would be right for you.
Nikon has proudly stated that the new D5500 is smaller than its predecessors. However, with only a couple of millimeters in it, we'd be surprised if most users were able to discern much of a difference without measuring the cameras first.
That said, any reduction in size is a good thing for a DSLR which will undoubtedly be vying for attention amongst smaller mirrorless cameras.
The Nikon D5500 has managed to shed 60 g from the weight of the D5300, making the new camera one of the lightest DSLRs currently available. As anyone who has carried a DSLR around with them on vacation will know, any reduction in weight is a good thing. Figures are with battery and memory card but without a lens.
Build and handling
Both cameras use a monocoque structure with a carbon fiber reinforced plastic material for the camera body. This allows them to be both more compact than other cameras while at the same time durable.
In terms of handling and design, anyone who is familiar with Nikon DSLRs will find themselves instantly at home with either camera. Minor design tweaks include a simplified mode dial on the D5500 which no longer features a cluttered selection of icons, and the adjustment dial has been moved to the top of the camera.
Sensor size
The large APS-C CMOS sensors in these cameras are larger than those found in most compact and many mirrorless cameras, meaning they should be able to deliver better image quality than their smaller-sensored rivals. That said, there's nothing to call between the two.
Megapixel count
Both cameras also feature the same megapixel count, with their 24.2-megapixel offerings being more than enough for most people, and arguably a good match for the sensor size. Because they lack an optical low-pass filter, these sensors should be able to capture a greater level of detail than otherwise equally megapixeled cameras.
Nikon's Expeed 4 image processor features in both cameras and is the same one that also appears higher up the Nikon line-up in cameras like the D750 and D4S. It should keep things running smoothly and help to deliver quality images in a variety of lighting conditions.
Lens mount
No surprises here. Both the D5500 and D5300 feature the Nikon F-mount. As such they can be used with a wide selection of lenses whether full frame FX glass, or DX lenses which have been designed for the APS-C sensors, and can therefore be smaller and lighter.
Kit lens
Both of these cameras can be purchased either body-only, or bundled with a kit lens. As the addition of a kit lens can add as little as US$100 to the total price, this can offer great value. The lens most typically bundled with both cameras is the Nikkor 18-55-mm F3.5-F5.6 G VR II DX, which offers wide to standard zoom (27-82.5-mm equivalent on these cameras) with a variable maximum aperture and built-in image stabilization.
While this lens is a perfectly good place to start your DSLR journey, the whole point of buying a DSLR is that it give you the ability to change lenses. As such, you might also want to check out our guide to buying your next lens.
There's not much to call between the two cameras when it comes to autofocus, as both feature a Nikon Multi-CAM 4800DX autofocus sensor module. 39 phase-detection focus points, of which nine are the more accurate cross-type sensors, mean both cameras should be able to keep up with all but the fastest moving subjects.
Nikon has stated the D5500 features improved full-time autofocus for video recording, though given we've not heard much more than that about it, this isn't going to be the sort of performance boost we saw when Canon introduced its hybrid AF system with the EOS 650D.
Burst rate
Both cameras boast a top continuous shooting speed of 5 fps at full resolution. This is comparable with other DSLRs in this category, but is beginning to look a touch sluggish in comparison with what some mirrorless cameras are able to deliver.
ISO range
With a wide maximum ISO range of 100 to 25600, either of these cameras should be able to deliver high quality images in a variety of lighting conditions. While the D5300 has a narrower standard ISO range of 100 to 12800, it can be extended to shoot at ISO 25600 equivalent.
Video resolutions
Full HD 1080p video recording is possible at up to 60/50 fps on both cameras, as is HD 720p video. The Nikon duo also feature an audio input for connecting an external microphone, though lack an audio out for monitoring level while recording. The D5500 also boasts the option of using a "Flat" color profile, which could be useful when it comes to post processing footage.
Being DLSRs, both cameras use optical viewfinders, in this case with 95% horizontal and vertical frame coverage, meaning users will see a slightly cropped version of the image produced by the lens.
Optical viewfinders differ from the electronic type which is commonly used on mirrorless systems in that they they do not suffer any lag between what is happening and what you can see. However, they're unable to show what effect camera settings will make on the final image.
The big change between these cameras is the rear LCD monitor. While both are 3.2-inch articulated offerings with 1,037k dots, the newer D5500 monitor has been updated to a touchscreen, a first for any Nikon DSLR. This means users can use the screen to control settings, touch to focus, or review images with familiar gestures like pinch-to-zoom.
This will no doubt help the camera appeal more to some potential buyers who are used to using smartphone screens, and could also be looking at mirrorless cameras which probably also have a touchscreen.
As is standard for most Nikon DSLRs, both cameras feature a pop-up built-in flash and a hot-shoe for mounting an external one.
As you would expect, both of these cameras are able to shoot either JPEG or RAW (14-bit or 12-bit), or a combination of the two.
As is typical of most entry-level and mid-range DSLRs, these cameras both use SD/SDHC/SDXC memory cards. Each has just one slot, rather than the two which tend to feature on higher end DSLRs.
The Nikon D5300 was the first Nikon DSLR to feature built-in Wi-Fi connectivity (previous models relied on an optional adapter) and the D5500 follows suit making it easy to share images instantly, or even use a compatible smartphone or tablet to remotely control the camera.
However, the older D5300 does have one notable feature which has been removed from the D5500, built-in GPS for geo-tagging images with location data. Users of the newer D5500 will need to use the optional GP-1A accessory if they want their camera gain GPS powers.
The Nikon D5500 is able to carry on shooting considerably longer than its predecessor on a single charge of the standard battery. This brings the new camera's endurance in line with higher end models.
Summing up
It's clear Nikon has not re-invented the wheel with the D5500, it is very-much an evolution of the D5300, which featured in our 2014 round-up of the best entry-level and mid-range DSLR. That said, the changes will make it more appealing to potential buyers who are probably also looking at mirrorless systems, which we guess was the point.
The addition of an LCD touchscreen to the D5500 is an interesting one. While the jury is still out on whether cameras really need a touchscreen (they don't currently feature on high-end and pro models), it's certainly a feature that many camera buyers are looking for. Other changes which also make the camera more appealing are the, albeit minor, size and weight improvements and the increased battery life.
In terms of photographic potential, there's not really much to call between the D5500 and D5300, they both feature 24.2-megapixel APS-C sensors, the same Expeed 4 image processor, and the equivalent 39-point AF systems. As such, we'd say that if you already have the D5300, you probably shouldn't upgrade to the newer model unless you really want that touchscreen.
If you are deciding between the two cameras it probably again comes down to how much you value that touchscreen. For some it will no doubt be worth the extra $150 with a kit lens, or $200 body-only, while others might rather make the saving and put the difference towards their next lens.
Product pages: Nikon D5500, Nikon D5300


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New LoTW confirmations keep rolling in
Posted: September 17th, 2008 under Hamradio, LoTW.
The new ones this time are GI0WLW, 5X1NH, Z32XX and 1A4A. Thank you very much. My total is closing in on 200 now with 190 confirmed. It's been pretty quiet on the radiofront with no contacts made in September. However I did do some dx'ing in August. KH6MB was worked on 30M for a new […]
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The housing market is a big deal. Not only is housing one of the most significant leading economic indicators, but private residential construction (calculated this year to come in at a seasonally adjusted annual rate of $503.4 billion) represents over half of all private construction project value in the nation. Private residential construction spending is classified into 3 main categories: single-family construction, multifamily, and home improvements (more on that later).
If you're in the construction business, here are a few points to keep in mind when you're thinking about the state of the residential construction industry segment:
Factors Driving Home Renovations:
Aging in Place Remodeling
We're all getting older, of course, but consider this statistic about the baby boomer generation (persons born between 1946-1964): Over the next 20 years, one-third of U.S. heads-of-households will be aged 65 years or older, with the number of households aged 80 and above projected to double from 7.8 million in 2015 to 16.2 million by 2035. This is a huge demographic shift that will impact the American economy on many levels. For the residential construction business, that means that boomers are contemplating renovation projects in their existing homes to help ease the transition to the "age in place" phase of their lives. Popular projects include added or task lighting, curb-less showers, grab bars, non-slip floors, wheelchair ramps, and widened doors.
Further Reading:
Planning to Age in Place? Find a Contractor Now | The New York Times
Aging in Place Remodeling Checklist | NAHB
Renovating is on an Upswing Nationwide
According to an August 2016 article published by John Burns Real Estate Consulting, LLC, big ticket remodeling is surging, while homes for sale as a percentage of occupied households has hit an all-time low. According to Houzz, 52% of homeowners say that they plan to start or continue a home renovation project in 2017!
There could be several factors driving this trend of homeowners staying put. For one, people who bought houses in neighborhoods that were "up and coming" a few years ago now find that their once quiet 'hood is now hot. When they're ready for an upgrade, finding a suitable house in the same area is beyond their price range and renovations are more economical. Another could be that, as the overall economy continues to improve, homeowners that were underwater on their mortgages during the recession are now (hopefully) building equity in homes. That equity may not be enough to finance the downpayment on a bigger house, but it might just be enough for a home equity loan or line of credit to fund a "big ticket remodeling project." And of course, rising interest rates mean that mortgages are becoming more expensive, further incentivizing homeowners to stay put.
Another fascinating bit of information is that the home improvement business apparently weathered the last recession much better than new construction. In the Private Residential Construction Spending Index graph (below), it's interesting to see that, as the overall residential construction segment grew from 2000-2006, single-family, multifamily, and the improvement segments all grew at almost the exact same pace, moving in almost lockstep with one another. But when the housing bubble burst throwing the country into the recession, the impact on single-family and multifamily construction spending was drastically worse than in the improvements segment, which weathered the recession much better.
Overall, home renovation accounts for $178.9 billion (36%) of the total private residential construction market, but it's growing at the fastest pace. On a year-over-year basis, home improvement spending is growing at a rate of 11.8%, more than multifamily's growth rate of 7.4%, and dwarfing single-family construction spending growth which is just 0.3%.
Some interesting things we learned from this chart:
A. Is home renovation "recession proof?" Take a look at the Improvements trend line above – even at the lowest depths of the recession, home improvement spending really didn't take too bad of a hit, especially when compared to single-family and multifamily residential construction activity.
B. As residential construction rebounds, the growth in multifamily construction is far outpacing single-family building. However, single-family construction is still the largest segment in the private residential market, accounting for $258.4 billion (51%) of the total private residential construction market.
Factors Driving Building New:
The Market Has Fully Recovered From the Recession
According to a report from ABC News, the U.S. needs about 1.5 million new homes every year to meet the annual demand for new housing. After 10 years of under-building due to the housing-led recession, the market has turned, and demand for housing is increasing from most demographic groups across the board. Demographically, we're seeing Gen-Xers needing more space as they add to their families, while baby boomers are needing less, leading them to downsize. Also helping the boomers to downsize may be the fact that their millennial children are getting better jobs in the improving economy and are finally moving out of mom and dad's basement and purchasing places of their own. Overall, private residential construction spending is at a post-recession high, and has grown 7.5% year over year.
The Surging Multifamily Market
As shown in the chart above, multifamily construction is absolutely surging, growing at a record breaking pace especially when compared to to single-family home construction. We're not sure what's behind this growth, exactly. While the "aging in place" remodeling trend has recently caught the attention of industry analysts, homeowner aging has been a driver of multifamily construction projects for decades. Also of note is the trend for professionals of all ages moving out of the suburbs to live in downtown, into a mix of loft apartments carved out of historic buildings as well as newly constructed apartment buildings.
The Huge Trend of Tiny Houses
Recently dubbed a huge trend by Fox News, the so-called "tiny house movement" has grown to be something more than a simple fad. Public interest in the phenomenon, measured by search interest (see Google Trends chart, right), has grown tremendously over the last several years. So what makes a tiny house "tiny?" Consider this: the average size of a new home built in the U.S. is 2,598 square feet; tiny houses are typically in the 100-400 sq. ft range. Now, just one factor, even a so-called huge trend, is not enough to move the needle of the residential construction industry on its own. But if the tiny-house trend is not just about going small, but rather, just one part of a much bigger movement towards building homes that are more energy efficient or technologically advanced, there will likely be an impact on the overall market.
Though the growth of single-family construction spending is lagging behind both the multifamily and home improvement segments, it still makes up a majority of the total private residential construction industry outright, accounting for $258.4 (52%) of the $503.4 billion total. In the coming years it will be interesting to see how the various demographic shifts and trends interact with the continued overall growth of the economy (hopefully) to impact the residential construction business.