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#CouncilARG 2019 Recap: Argentina – Economic and Political Perspectives
#CouncilARG 2019 Recap: Argentina – Economic and Political Perspectives
Public- and private-sector leaders came together in Buenos Aires to talk about Argentina's outlook just ahead of the country's presidential transition.
- For a complete list of speakers, see the 2019 #CouncilARG event page.
- Watch videos of all the 2019 #CouncilARG presentations.
- Lea este resumen en español.
Jorge Luis Di Fiori of the Chamber of Commerce and Services of Argentina opened AS/COA's sixteenth annual Latin American Cities Conference in Buenos Aires by stressing the need for ongoing training in the labor force, as well as the fact that development requires solidifying institutions, as well as revitalizing a culture of work and ethical values.
AS/COA President and CEO Susan Segal's remarks emphasized her unconditional dedication to Argentina dating back to 1983. She applauded the institutional transition taking place in the country, noting it demonstrates the strength of its democracy. The energy sector with Vaca Muerta—as well as the technology and services, agriculture, mining, and industry sectors—create opportunities for investment and employments. These sectors also open the door to entrepreneurial innovation and employment in SMEs, which are fundamental for Argentine growth. Segal also noted that Council of the Americas counts in its membership 240 companies from around the world, including Argentina, Europe, and the United States, and representing various productive sectors. Council of the Americas is, has been, and will always be a friend to Argentina, she said.
Dice @s_segal en #councilarg que la transición demuestra la solidez de la democracia argentina. Y que el @ASCOA es amigo de Argentina, por lo que "estuvimos, estamos y estaremos apoyando a la Argentina"
— Juan Agustín Robledo (@jagcan) December 2, 2019
Mayor of the City of Buenos Aires Horacio Rodríguez Larreta said that, with a reelection victory behind him, his government will keep working together with both the government of the Buenos Aires province and the national government. He also spoke about his city's accomplishments, which have been recognized by the fact that, for the fifth year in a row, The Economist has named it the best city to live in in Latin America. Rodríguez Larreta said he will continue his work to transform the capital into an attractive site for investment.
"Es el quinto año que @TheEconomist selecciona a @gcba como la mejor ciudad de Latinoamérica para vivir" @horaciorlarreta #CouncilARG pic.twitter.com/OqzRtKrkTT
— CAC (@CACteinforma) December 2, 2019
Felipe Solá, national congressman for Buenos Aires province and potential future foreign affairs minister of Argentina in the incoming government of Alberto Fernández, discussed Argentina's position in Latin America's geopolitical context. He said that the new government wants to participate in Mercosur in order to "debate, listen to, and respect the other governments." For the deputy, Latin American unity is of greater importance than disputes over countries such as Bolivia or Venezuela. On the subject of Argentina's economy, he said that foreign trade will return to the foreign affairs ministry, stressing that ambassadors are helpful in this area because trade is not just about statistics but also the strong support of the private sector.
Desideologizar las relaciones no implica perder identidad. La nuestra está clara pero no la pondremos adelante de manera que nos impida relacionarnos con otros. Una política exterior seria necesita identidad pero sobre todo logros en las relaciones diplomáticas.#CouncilARG pic.twitter.com/Z0iQe5HEs9
— Felipe Solá (@felipe_sola) December 2, 2019
The conference happened to occur on the same day that the Trump administration in Washington announced impending steel tariffs against Argentina and Brazil. In that context, Segal and McLarty Associates' Nelson Cunningham, who also served as a special adviser on Western Hemisphere Affairs to former U.S. President Bill Clinton, discussed how the U.S.-China trade war affects other countries—Argentina included. "We have to understand everything Trump does in the context of the election that will be held 11 months from now," said Cunningham, noting that Trump is seeking to show American farmers he is protecting them from China's trade policies. Cunningham and Segal also discussed not only the U.S. impeachment process but the race for the Democratic nomination, with Cunningham noting there is a healthy battle between the left and center-left in the Democratic Party and that voters will make sensible choices during elections.
Exciting to witness my boss @therealNWC of @McLartyAssoc talking US politics, trade, and US-LatAm relations with my former boss @s_segal of @ASCOA at premier business conference in Buenos Aires #CouncilARG pic.twitter.com/D9OmZsDSLM
— Kezia McKeague (@keziamckeague) December 2, 2019
In a panel on technology and investment in Argentina, SoftBank's Andy Freire moderated a panel with MercadoLibre's Sean Summers and SAP's Claudio Muruzabal. Freire talked about unicorns, defined as privately held companies with a value of more than $1 billion, adding that we've seen 20 unicorns in the region in recent years and six of them were from Argentina. Summers said that a 2003 Knowledge Economy Law—established during the government of Néstor Kirchner and renewed by succeeding administrations—helped Argentina to do contracting with a regional and global view. Muruzabal, who said that the creativity of the professional Argentine surpasses that of other regions, noted that, still, for there to be more companies like MercadoLibre there is a great deal more work to do, including training staff to cover positions.
"La creatividad del profesional argentino sobresale a otras regiones" @cmuruzabal, Presidente en SAP Latin America #CouncilARG pic.twitter.com/Ly15aXEybE
— CAC (@CACteinforma) December 2, 2019
Next up, Governor of the Province of Neuquén Omar Gutiérrez spoke of a strategy to secure public and private investment, saying that those who opted to sign contracts for 38 areas of Vaca Muerta did so because of the confidence they had in the stability and internationally competitive rules of the game. He forecast that, from 2023–2024, Vaca Muerta can produce roughly $26 billion in oil and gas and said new infrastructure projects are needed. "With gas we have to penetrate new markets…but today we have a bottleneck, and we need to take a qualitative and quantitative jump," he said.
"Vaca Muerta es política pública. Muchas empresas eligieron y confiaron en la propuesta. Hoy, además de exportar gas y petróleo, exportamos curva de aprendizaje" @OmarGutierrezOk en el #CouncilARG. pic.twitter.com/PQTRttskcw
— Ignacio Di Meglio (@dimeglio_) December 2, 2019
In the second panel of the day, CIPPEC's Julia Pomares moderated a panel with National Senator-elect for the Buenos Aires province Jorge Taiana and National Congressman for Buenos Aires province José Ignacio de Mendiguren about the future of Argentina, in which participants discussed the challenge of breaking a cycle of crisis, even amid what Taiana described as a bleak global economic outlook. He added that, to improve the lives of Argentines, it's important to revitalize domestic consumption and boost exports. Meanwhile, the congressman said that macroeconomic stability is needed, adding that what Argentina sells to the world is worth little while what it buys is worth a great deal, feeding the cycle of crisis.
"La política exterior argentina debe fortalecer las relaciones con todos los países, tener firmeza en la defensa de la soberanía y el interés nacional, apuntando fuerte a la integración regional y al desarrollo de nuestras capacidades productivas como región".#CouncilARG pic.twitter.com/04WmL23LZi
— Jorge Taiana (@JorgeTaiana) December 2, 2019
In the close of the conference, Argentine Treasury Minister Hernán Lacunza spoke of Argentina's monetary policy of the last few years, saying that the most important legacy of the Macri government is the institutional pillars that were built on the economic front, noting that difficult measures—such as imposing currency controls—were taken "that were necessary to avoid greater ills." Lacunza also spoke of the damaged economy outgoing President Mauricio Macri received when he took office in 2015, adding that the fact that monetary prudence was not enough to stop inflation doesn't mean it wasn't necessary. He said that what is true is that there will be sufficient reserves to enter into negotiation with creditors. Lacunza also had words of caution for the next government, saying loan default is not a legitimate or practical option.
Hernán Lacunza cierra el #CouncilARG: "Respecto a la inflación aprendimos que sube rápido y baja lento".
— Cecilia Camarano (@cecamarano) December 2, 2019


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Pre and Post Myofascial Massage NY Marathon 2022
Click on the flyer below and find out!
Pre and Post Myofascial Massage NY Marathon 2022
I am happy to share the video interview on THE GODI METHOD® published on the blog page of the important Italian Newspaper IL SOLE 24 ORE by Giuseppe Jepis Rivello for "Storie di Bottega". Video courtesy of a residency sponsored by BACAS with Jepis Bottega.
Special Thanks To Iva Ivanova, Maia and Silvia Mitova and Silvia's Gymnastic for hosting: The Godi Method® workshop: "Optimizing Gymnastic Training Through Postural Alignment".
The 3 hours workshop instruction covered topics including applying correct posture in basic gymnastic exercises and cracking patterns of tension in order to improve the proprioception of the gymnast and enhance their performance. The workshop also provided valuable tools to address and relieve back pain that gymnasts may experience during training.
In the picture : Olympic Silver Medalist Rhythmic Gymnastics and Word Champion Choreographer for the Bulgarian National Ballet School : Iva Ivanova, and Olympic and World Gymnast and World and Olympic Gymnastic Coach Maia Mitova.
The Godi Method® Group Classes are back!
The classes take place every Wednesday at 12 pm and every Thursday at 7.30 pm at CRS STUDIO in the heart of Union Square in New York City. The CRS (Center for Remembering & Sharing) exactly is located on 123 4th Ave, 2nd Floor, New York, NY 10003.
The Godi Method® Group Classes are addressed to develop the awareness of your posture and your body, reduce muscle pain and aches as well as intermittent back pain and optimize your training and movement through specific wellness exercises.
The classes are suitable for people that experience intermittent back pain, or just finished a rehabilitation program and for all the people that are interested in this new training methodology.
The class has a limited number of 8 people.
Duration of each class: 1 hour.
To Sign Up and for more information, please contact: firstname.lastname@example.com
Age 52 – Initial consultation: severe upper back pain, poor alignment, poor abdominal – Training period 12 months.
"If you have any back pains, postural alignment issues, or need an excellent personal trainer and professional, you should meet Claudia. The Godi Method®, focuses on fixing the root cause. Almost a year ago I started having some severe upper right back pains. Through a good friend and by luck I was introduced to Claudia who immediately assessed my condition and during 1 hours weekly sessions, worked with me on some basics, but important foundational breathing and stretching exercises. Immediately I started seeing the improvements and results which was very surprising to me. Since then I have continued working with Claudia to move into more advance techniques to tune my muscles and to learn how to exercise correctly. I used to do 40-50 push-ups every day and when Claudia showed me the correct positioning and breathing while doing pushups, I could barley do 20! I am very satisfied with Claudia's work and my results and I strongly recommend her and her method."
Age 56 – Initial consultation: shoulder's pain – Training period: 2 months
"I had been having pain in my shoulder off and on for over ten years. Most recently, I saw a physician for the problem and it was recommended that I go for physical therapy. Going for physical therapy was recommended to me by a previous physician in 2008. Back then I did the physical therapy and improved, but I started to think that there was something about the nature of this discomfort that was not being addressed by physical therapy alone. I had done some reading about alignment and came across Claudia's information on the internet. I was so happy that she was here in New York. She worked with me, explaining to me how to observe and address my mis-alignment through breathing exercises. Claudia is very patient and she has a gentle and effective approach . After our sessions, I would always feel a renewed sense of ease and vigor. My shoulder issue is gone for now. Best of all, I feel that I have learned a new way of addressing any tension, or aches and pains I might feel in my limbs or my back, through what she taught me. I now know how to work on my own issues – or at least where to begin — because of her guidance."
Age: 40 – Initial Consultation: Attacks of back pain during exercise, poor coordination, poor abdominal strength – Training period: 9 months
"I was experiencing sudden attacks of back pain while playing squash. After training with Claudia my balance and coordination improved considerably and I learned how to run, lunge and move properly and more quickly. I was able to return to playing squash after 9 months of training, and I'm proud to say that I was able to run the New York Marathon one year after starting with Claudia, which I never thought I would be able to do!"
Age 75 – Initial consultation: hip misalignment, lower back pain – Training period: 6 months.
"I suffered from hip misalignment and pain in my knees and lower back. Claudia helped me to realign and strengthen. She is incredibly knowledgeable and devoted to her clients' well-being and improvement as well as patient, kind, and generous. You trust her right away with your health."

subset: commoncrawl


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Allegiant Vacations functions as an in-house package deal-vacation vendor. The business has plans with 34 hotel properties in NEVADA and 21 in the Orlando, and Daytona Beach, Florida, areas. The holidays department also offers partnerships with several rental car organizations and show-ticket vendors. At least for a few routes, flights must be purchased along with hotel accommodations-a two-night minimum stay in the entire case of Champaign, IL, to NEVADA, NV, for example.
Allegiant Air presently flies to 71 locations throughout America. Allegiant Air is actively pursuing the opportunity to provide Paine Field (PAE) in Everett, Washington, (25 mi (40 kilometers) north of Seattle). The business has filed an issue with the FAA at the county's opposition to the program. Additionally, Allegiant Air is very thinking about serving Salem also, Oregon — conversations are continuing. On February 1, 2010, Allegiant will start operations at Orlando AIRPORT TERMINAL (MCO). Eventually, the Orlando/Sanford hub shall be phased out by transferring flights to Orlando International overtime. 150 Based In Orlando/Sanford and Tampa Bay/St.
Petersburg/Clearwater After Scandinavian Airlines and American Airlines phase out their McDonnell Douglas MD-82s, Allegiant Air shall be the largest operator of the McDonnell Douglas MD-82. McDonnell Douglas MD-83 21 150 All After American Airlines phases out their McDonnell Douglas MD-83s Allegiant Air shall be the largest operator of the McDonnell Douglas MD-83.
- Enterprise-wide Deployment 19 Feb 2015
- Small and home-based businesses should claim all the tax write-offs they can
- 4 Weird Signs You'll Live Past 100
- Verifying and Presenting Models
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As of February 2010, the common age group of the Allegiant Air fleet is 19.8 years. On January 4, 2010 the SAS Group announced the sales of 18 surplus MD-80 series planes to Allegiant Travel Company. On March 29, 2007, Allegiant Air Flight 758, a McDonnell Douglas MD-80 airplane that took off from Pease International Airport in Portsmouth, New Hampshire, experienced a hydraulic failure that prevented leading landing equipment from deploying. As a total result, the plane circled in a holding pattern for over half a full hour to lighten the gas load and then made an emergency getting at Orlando Sanford International Airport. Upon landing, some sparks and smoke were observed under the nose of the aircraft.
The passengers and crew members evacuated via emergency evacuation slides. Only 1 damage was reported: a female suffered a minor ankle injury during the evacuation, but she refused treatment. The airport terminal was closed for some time because of the crisis. Saturday On, June 27, 2009, Allegiant Air Flight 746, a McDonnell Douglas MD-80 aircraft made a crisis landing at Lehigh Valley AIRPORT TERMINAL in Allentown, Pennsylvania after flames were observed from the aircraft's left engine. The air travel destined for Orlando Sanford AIRPORT TERMINAL originated from Lehigh Valley International Airport.
During takeoff, one of the aircraft's tires got shredded and a piece of that tire was sucked in to the engine, causing it to fail and capture on fire momentarily. The airliner landed safely minutes later with no injuries reported. Norwood, Tom; Wegg, John (2002). UNITED STATES Airlines Handbook (3rd ed.).


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To celebrate the centenary of The Royal British Legion, celebrity chefs have teamed up with acting or former members of the military to create a unique cookbook.
Cooking With Heroes: The Royal British Legion Centenary Cookbook was launched recently at Claridge's, London and as an official sponsor of the cookbook, Arkell's Brewery showcased at the event.
Written by serving military personnel and veterans, and supported in its creation by organisations like Arkell's, this beautifully designed hardback book is a unique way of highlighting the contribution made by the Royal British Legion and by the British Armed Forces over the years.
It marks the centenary by celebrating 100 regions around the world in which the RBL has operated. Each region is represented by an authentic and delicious recipe particular to that part of the world, as well as a profile of a regional hero whose valour, conduct and commitment deserves to be remembered.
Established in 1921, the RBL is the UK's largest Armed Forces charity. Best known for organising the annual Poppy Appeal and Remembrance Day services, the RBL works to support current and ex-service personnel as well as their families.
With a list of family military connections that can be dated back all the way from current Chairman, James Arkell's great-great-great-grandfather who joined the Second Wiltshire Rifle Corps in 1888, to his son John, who served in Afghanistan, the brewery's editorial contribution in the cookbook highlights the strong connection to the military that the Arkell family has had for 150 years.
"We have beer and military service running through the family veins," says James Arkell, "and the brewery are delighted to support this commemorative fund-raising cookbook."
At the launch the brewery showcased its latest seasonal beer 'Contemptibles'; a mild ale perfect for Autumn, brewed using chocolate malt for the dark colour, which also adds warm roasted and sweet tones, with a light hop aroma to compliment.
Featuring on the pump clip design are Noel Arkell's sons James & Peter who fought in World War 2. This brew honours the Armed Forces.
The book is available online via the link below or from Arkell's Grape & Grain Wine & Brewery Warehouse.


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Tax Deduction for Doctors & Medical Practices
The Section 179 Tax Deduction is up to $1,160,000!
A Section 179 tax deduction may allow a medical practice to take a tax deduction for the cost of qualifying purchases, such as new equipment and technology, in the year it is purchased into service. Section 179 can result in a tax deduction for up to $1,160,000, help lower your taxable income, and increase cash flow.* Please contact your personal tax advisor as every situation is different.
Especially now, as many medical practices are adapting to the current environment by implementing new standards of care, a Section 179 tax deduction could be a win-win. Not only are you investing in your practice with the equipment, technology, and tools needed to become more efficient and provide better care, but you may be also eligible for a tax deduction with Section 179.*
To qualify for a Section 179 tax deduction on your 2024 taxes, you must purchase and place qualifying equipment and technology into service by 12/31/2024, in addition to meeting other eligibility criteria under Section 179.*
Section 179* Summary: |
Finance Equipment or Technology for Your Practice! **
Henry Schein Financial Services offers financing that can make medical equipment and technology upgrades affordable. We offer 100% financing, low rates, customized payment programs, and fast approvals. For more information on financing or Section 179, please contact us online, call 1-877-776-7286, or email us at email@example.com.
* Neither Henry Schein, Inc. nor Henry Schein Financial Services provides tax advice. Please consult your personal advisors. Must purchase and place into service by December 31, 2024.
** Rates and programs are subject to change without notice. All transactions are subject to the satisfaction of underwriting guidelines, credit approval by third party lenders, and documentation requirements, and not all applicants will qualify. Certain other restrictions and additional terms and conditions may apply.
©2024 Henry Schein, Inc. Neither Henry Schein, Inc. nor Henry Schein Financial Services provides financial advice. Please consult your financial advisor. Neither Henry Schein, Inc. nor Henry Schein Financial Services is a bank and neither represents itself as such, nor conducts banking activities. Henry Schein Financial Services may receive a marketing fee from the vendor for products/services purchased.


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Using lidar (analogous to radar, with pulses of laser light standing in for radio waves), Phoenix picked up signs of snow drifting down from clouds some 2.5 miles (four kilometers) overhead. It has not been seen reaching the Martian surface; it appears to vaporize before landfall.
"Nothing like this view has ever been seen on Mars," James Whiteway of York University in Toronto said in a statement. Whiteway is lead scientist for Phoenix's Meteorological Station (MET), the Canadian Space Agency's contribution to the mission. He added that the MET team will now seek to discover "signs that the snow may even reach the ground."
The Martian winter is approaching, and soon there will be inadequate sunlight to power the lander. Link


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made by Sangtanic It's an Art Fight tradition to reveal the themes with an animation exclusively created for Art Fight! We streamed the reveal on Twitch, but if you missed the stream, you can find the video uploaded to Youtube. |
Pick your team early @ artfight.net! In order to level out traffic, we've decided to open up Team Registrations EARLY. The advantage of signing up early is that you get to pick which team you want to be on, as opposed to being sorted to a random team on July 1st. We are currently getting things setup on our end, and in a few days you will be able to pick your team by accessing this link. You'll know when picking a team is available by a site notice (a red banner at the top of your screen). |
Additional Updates & Announcements |
Upcoming Attack Guide Update
If you have been reading up on how to rate your attacks for this year via our attack guide, make sure to check it again closer to the fight start! We will be making some category changes to the animation section, as well as some minor change of wording to other categories. We thank you for your patience, and hope you will like the changes we are working on.A note to 3D artists
Edit: This section is currently being re-discussed because of some valid criticism. We hear you. <3Lots of love from the team!
Collaboration with HelloPaint
As you may have seen us announce in our previous newspost, we are collaborating with HelloPaint, the successor of iScribble!We invite you to join us on July 15th at 7:00pm UTC on a board exclusively for Art Fight, where you will be greeted by a special Art Fight 2022 background for the respective teams. Your job is to draw your character on top of the background, interacting with background elements. We will feature the finished drawing on our Discord and the 2022 winner newspost! Come join the fun
Art Fight 2022 MAP
Yes, you heard right... We're spicing it up this year and are hosting an official Art Fight MAP. This is brought to you by scribedhearts & cyxxie!A MAP, or multiple animator project, is a collection of short, animated clips created by various artists compiled together, usually to a specific song. This ArtFight season, we'll be hosting a FCFS (first come first serve) MAP where your assigned song section will be an attack on another user, and then at the end of the month, compiled with all the other attacks and edited into the chosen song. The song we have chosen can be found HERE. Afterwards, the video will be uploaded onto our official Youtube channel!
You may apply to the MAP by accessing this link. Please note that the first 30 submissions will get accepted, and after that you may apply to be a back-up.
Art Fight 2022 Prompts
Like every year, we have some fun prompts for you to prepare a little every day until the fight starts. You can do as many or as few of these as you want. Have fun with it! When you do a prompt, you can also post about it in the #prompts channel in the discord! Have a peek at the graphic below to see what this years preparation prompts are!Art Fight 2021 Achievements2021 Achievements are here! They have been automatically given out, and you must have submitted at least one attack to be eligible. Cyberpunk Loyal - Steampunk Loyal - Traitor - 2021 Winner Thank you to Axel for the beautiful banners, team badges, and animation reveal. |


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Our city's favorite trillionaire is back again with some heartwarming philanthropy. But in all seriousness, Jeff Bezos did a good thing. In fact, he helped Mary's Place open the largest family homeless shelter in Washington state. And that's nothing to scoff at.
This shelter was of course made possible by a partnership with Mary's Place. This local organization joined Jeff Bezos to open an 8-floor shelter inside one of the Amazon buildings. And not only is this a shelter but it also has a health clinic and offers critical tools to help families get back on their feet.
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We're really hoping that this sort of action becomes mainstream in Amazon's further building plans. Because imagine how much good could be done if every Amazon building in Seattle had a social service like Mary's Place. Or what if they did this globally? It could have a huge impact on communities around the world.
So for now we're celebrating this big win for Mary's Place and thanking Mr. Bezos for his generosity. If you'd like to learn more, click here. And remember, this is an excellent time to check in on members of your community who may be vulnerable. Because it's never too late to extend a helping hand.JTNDZGl2JTIwaWQlM0QlMjJtb2JpbGUtYWQtb25seSUyMiUzRSUwQSUzQyUyMS0tJTIwU2VhdHRsZSUyMC0lMjBNb2JpbGUlMjAtLSUzRSUwQSUzQ2lucyUyMGNsYXNzJTNEJTIyYWRzYnlnb29nbGUlMjIlMEElMjAlMjAlMjAlMjAlMjBzdHlsZSUzRCUyMmRpc3BsYXklM0FibG9jayUzQndpZHRoJTNBMzIwcHglM0JoZWlnaHQlM0E1MHB4JTNCJTIyJTBBJTIwJTIwJTIwJTIwJTIwZGF0YS1hZC1jbGllbnQlM0QlMjJjYS1wdWItNTUyMTg1Njk1NTQ5NzQ1NiUyMiUwQSUyMCUyMCUyMCUyMCUyMGRhdGEtYWQtc2xvdCUzRCUyMjE2MjcxNzI5NDclMjIlM0UlM0MlMkZpbnMlM0UlMEElM0MlMkZkaXYlM0U=


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The creatives at McCann, Chile have come up with a way to help Coca-Cola promote a healthier lifestyle.
A taxi was equipped with a bicycle pedal attached to a machine which calculated the discount the passenger was entitled to as he pedaled.
If the passenger stopped, the discount would decrease, somehow making exercise a lot more fun because of its monetary benefits.


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With the top 100 male and female tennis players set to descend on Melbourne this January, this year's Australian Open is set to be a ripper.
And while speculation still remains over the logistics of the tournament, the major down under has been given a massive boost with Tennis Australia CEO Craig Tiley confirming that the biggest names in tennis will be in attendance at the event.
"Everyone has had to complete a travel commitment form and that is a precursor to getting visas," Tiley said to The Age and The Sydney Morning Herald this week.
"All of the top 100 men and women have completed that. Everyone has indicated a desire to travel."
In what's been a coronacoaster of a year for tennis, we're expecting to see some normality return next year, with the Australian Open and its precursor events scheduled to kick off the 2021 tennis season off with a bang.
Competition will be rife at the tournament, with Roger Federer and Rafael Nadal each vying for their 21st major title, Ashleigh Barty looking to win her first major on home soil, and Serena Williams looking to top Margaret Court's record.
Back to work😃🏋♂👨🏼🏫📚🍂🍁🎾 pic.twitter.com/zwljm17Rkv
— Roger Federer (@rogerfederer) November 6, 2020
We're also already seeing some players starting to prepare for the event, gearing up for the extensive quarantine restrictions they'll be subjected to as soon as they touch down in Oz.
Andy Murray is one player who has this week announced he'll be bringing his season to a close early to prioritize preparations for the 2021 season.
After suffering a recurring hip injury, Murray did not take part in this year's Rolex Paris Masters and will be absent from the ATP Finals in London as he looks to get his body right to fly out to Australia in December.
We are also keeping an eye on the fitness of certain key players, including world No. 2, Simona Halep, and world No.6 Stefanos Tsitispas.
Last week Halep tweeted that she had tested positive for coronavirus and was "recovering well from mild symptoms" while "self-isolating at home."
We're pretty certain that the 2019 Wimbledon champion will make a full recovery in time to fly out to Australia next month in her bid to top the WTA rankings.
Hi everyone, I wanted to let you know that I tested positive for COVID-19. I am self-isolating at home and am recovering well from mild symptoms. I feel good… we will get through this together 🤗💪
— Simona Halep (@Simona_Halep) October 31, 2020
Meanwhile, 2019 ATP Finals winner, Tsitispas, worried fans after he pulled out of the Paris Masters this week, suffering from a recurring leg injury he picked up at the French Open last month.
Hopefully like Halep, Tsitispas will be able to recover in-time to make it out to Australia later this year.
With a blockbuster card confirmed for the major down under, player participation is perhaps now one of the last issues facing Australian Open boss Craig Tiley.
"The current presentation we made to the players… has been very positive in the sense they have all signed up," he said.
"Federer and Nadal are on 20 Grand Slams each, you have Serena wanting to break Margaret Court's record and you have Ash [Barty] trying to keep her No 1 ranking."
Tennis Australia are set to make an announcement on tournament scheduling next week, but one thing's for certain, with the talent on show and records at stake, it's going to be one cracker of a tournament.
"As far as player participation is concerned, we are in great shape."
Featured Image: "Roger Federer" by y.caradec // https://www.flickr.com/photos/10288162@N07/7305513976 // licensed with CC BY-SA 2.0. To view a copy of this license, visit https://creativecommons.org/licenses/by-sa/2.0/Download permissions


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Safe Harbor Defense Under 35 U.S.C. §271(e)(1) Requires That the Accused Activity Is Solely for Uses Reasonably Related to Submitting Information to the FDA
Before Moore, Bryson, and Chen. Appeal from the United States District Court for the District of Delaware.
Summary: Biological engineering activity that would otherwise constitute patent infringement is protected under a safe harbor, if the activity is solely for uses reasonably related to submitting information to the FDA. Where the patent covers a method of manufacture, the relevant safe harbor inquiry is whether the act of manufacture is solely for submitting information to the FDA. The relevant inquiry is not whether the products of the manufacture are for uses related to submitting information to the FDA.
Amgen accused Hospira of infringing a patent covering a method to manufacture EPO—a protein that regulates red blood cells, based on Hospira preparing twenty-one batches of EPO. A jury determined that seven batches were subject to a safe harbor, but the remaining fourteen batches were not. The protected batches included two used to qualify Hospira's process and equipment, and five batches used for mandatory pre-approval inspection by the FDA. The remaining batches were for various types of testing, revisions to release specifications, stability testing, and continued process verification.
On appeal, the Federal Circuit found that substantial evidence supported the jury's finding that fourteen batches were not manufactured "solely for uses reasonably related to the development and submission of information" to the FDA. The court rejected Hospira's argument that the safe harbor always applies in the pre-approval context. The court also rejected Hospira's argument that simply submitting information about a drug substance lot to the FDA brings the manufacture of that lot within the safe harbor. Evidence showed that preparing the additional batches was not an activity required for FDA approval, but was to meet post-approval stability requirements or to prepare for commercialization. The Federal Circuit also affirmed the $70 million damages verdict that was based on the profit Hospira could earn if it were in place to launch its EPO as soon as the patents expired.
Editor: Paul Stewart


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Four Wheelers Make Four Times the Fun in Tuesdays Bojangles Summer Shootout
Four wheelers join Legend Cars and Bandoleros in taking to the frontstretch quarter-mile in Tuesday's Bojangles' Summer Shootout at Charlotte Motor Speedway.
Tuesday's Bojangles' Summer Shootout on the frontstretch quarter-mile at Charlotte Motor Speedway features quad racing along with Legend Cars and Bandoleros fighting it out for points positioning as the 10-race season eclipses the halfway point
CONCORD, N.C. (July 6, 2017) – Quads will quarrel, Legend Cars will tangle and Bandoleros will battle during an adrenaline-pumping night of Bojangles' Summer Shootout action next Tuesday on Charlotte Motor Speedway's frontstretch quarter-mile.
With the season having reached its midway point on July 4, drivers in the Legend Car (Cabarrus Brewing Company Masters, Lead 2 Real Estate Pro, VP Racing Fuels Semi-Pro, K1 Speed Young Lions) and Bandolero (Outlaws, Bandits, Beginner Bandits) divisions will square off Tuesday for points, money and bragging rights under the lights.
The Lead 2 Real Estate Pro division features a stirring battle between two-time and defending champion Jordan Black, 19, and second-year driver Austin Green, 16. Black has won the last two races with Green in tow.
The VP Racing Fuels Semi-Pro points tangle may well come down to the Miller family. Brothers Zack and Ryan Miller are first and second in points through five races with championship positioning on the line Tuesday.
Positioning will be the name of the game in Tuesday's Quad racing exhibition, which pits four-wheeled racers against one another in a high-speed tangle for quad supremacy on the frontstretch quarter-mile.
The future stars of motorsports continue their rise up the racing ladder all summer, with the Bojangles' Summer Shootout – which features NASCAR stars Joey Logano, Austin Dillon and Bubba Wallace among its alumni – running through Aug. 1.
Gates open at 5 p.m. Tuesday with racing beginning at approximately 7 p.m.
TICKETS: Single-day admission to the Bojangles' Summer Shootout costs just $8 for adults and is FREE for children under 13. Tickets can be purchased online or by calling 1-800-455-FANS (3267)
KEEP TRACK: Fans can connect with Charlotte Motor Speedway by following on Twitter and Instagram or becoming a Facebook fan. Keep up with all the latest news and information with the Charlotte Motor Speedway mobile app.
John Davison
Long-time RIS staffer, beginning in the mid-80s. Charlotte, NC area local contact.


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(Editor's note: Mixed into a rambling narrative about the current state of affairs in the NFL loaded with historical and pop culture references, Mr. Brutal makes some football picks. Why does he call it the "War of 1812 Football Prognostication"? He likes history, he's Canadian, and it probably has something to do with those two facts. That's all we've got. We used to spend a long time editing these things. This year, you're getting them raw… so enjoy the Canadian "flavour.")
Sunday, December 6, 2015
…………… 1:00 pm Eastern Standard Time …………….
New York J-e-t-s, Jets! Jets! Jets! @ NY FOOTBALL GIANTS (Even)
….. Battle of Gotham. The Joker Jets against the Riddler Giants. Both could make the playoffs, and both have been inconsistent.
….. The great Caesar Romero, Jack Nicholson & Heath Ledger versus Frank Gorshin and Jim Carrey.
…. The edge will be the Jet's better defense.
Pick: Jets (Even)
Bob: Giants Even
Arizona (-5.5) @ SAINT LOUIS
…. Jeff Fisher lost his temper last week under the guise of sticking up for his team at a post game press conference when a reporter mildly asked if effort was a problem. Fisher went into a controlled, premeditated rant with loads of cliches about: "How not one guy on the team wasn't trying his hardest, …… How dare you say that, I'd go to the wall for these guys!" then he mildly stormed off.
….. It wasn't very convincing. The Rams had just been spanked by the Bengals 31-7. The offence was abysmal. The Bengals shut down the predictable runs by Todd Gurley and the Rams as usual were doomed. Other than running WR Tavon Austin on reverses, they did nothing that produced results. QB Nick Foles looked like he didn't want his starting job back after replacing the concussed Case Keenum.
…. In fact most of the players looked like they had given up on Jeff Fisher, the offensive schemes & the belief that they could win because they played with almost zero enthusiasm.
… and it is no wonder.
…. Jeff Fisher has not won a playoff game since 2003. He has not had a team make the playoffs since 2008 when he ran the Titans. Since he came to the Rams, they have gone 7-8-1, 7-9, 6-10 & 4-7 so far this year with no sniff of the playoffs. He has dined out on that 1999 Super Bowl appearance for a long time.
….. Still, if this spread goes over seven points as we expect it might as the week goes on, we might back them since being a touchdown dog at home against a division rival is almost always a green light to take Saint Louis.
…. The Cards played down a bit last week to the Niners. We like them to bounce back here against a team they accused of dirty play earlier in the year when they lost 24-22.
….. The Cardinals have some injury problems. They have lost RB Chris Johnson & RB Andre Ellington. Power runner David Johnson, who is an excellent receiver will get the start. They also have moved a backup WR to help in the secondary due to injuries.
…. The Cardinals' management confirmed this week that they are not interested in signing one time great running back & mixed gender elevator boxing enthusiast Ray Rice. He will likely remain in purgatory indefinitely unless the Dallas Cowboys need a ball carrier.
Pick: Cardinals (-5.5)
Bob: Cards -5.5
Atlanta @ TAMPA BAY (Even)
….. Tampa self destructed in the red zone last week, committing turnovers and settling for field goals, otherwise they played the Indianapolis Colts pretty even for the first 3/4 of last week's 25-12 loss.
…. It is impossible to believe in the Falcons who have reverted to last year's behaviour and lost 5 of their last 6. At this point, their franchise valuation is held up only by the sentimental value attributed by Saudi Sheikhs who are willing to overpay for any paraphernalia, namesake, or sports team vaguely connected to the illegal trade in rare raptors and falconry.
Pick: BUCCANEERS (Even)
Bob: TB Even
Seattle @ MINNESOTA (Even)
…. Seattle played the most entertaining game of the week last Sunday in dispatching the Steelers. This should be the best game of the day featuring two interesting teams. At this point we'll take the more consistent Vikings who have won 5/6. The only concern is that conservative HC Mike Zimmer, a very defense oriented guy has not allowed OC Norv Turner to expand the playbook.
Time to loosen the reins on QB Teddy Bridgewater so Minnesota can win games more easily, especially against erratic squads like Seattle.
Pick: VIKINGS Even
Bob: Vikes Even
Houston @ BUFFALO (-3)
….. Camera shy DE J.J. Watt, flash in the pan Tarheel QB T.J. Yates and the Texans come to Buffalo to be ambushed, trampled, stampeded and humiliated by the Bills who have to win.
…… The North American Bison is a far hardier beast than the deceased bovine that graces the helmet of the Houston Lone Stars. It is befitting that they sport a mascot who is pushing up daisies since the chances of Bill O'Brien out-coaching Rex Ryan in this contest are also dead in the water.
….. Or to put it in terms that the average Texan could understand:
…. "The Texans are all Hat and no Cattle."
…. The only thing that concerns us is that the weather is slated to be hospitable.
Pick: BILLS (-3)
Bob: Bills -3
Baltimore @ MIAMI (-4)
Mein Kampf by Adolph Hitler will soon be available in German bookstores after a 70 year ban. Unfortunately, Dan Campbell's "Paleolithic Guide to Winning at Football and in Life" still lacks a world wide distributor.
…… Good sign for the Dolphins. DT Ndamukong Suh who will be worth more than a Republican Super PAC when his contract with the Dolphins is fulfilled, …… finally showed some leadership. According to a Miami beat writer, after last week's noncompetitive loss to the Jets in New York, he apparently told the locker room matter of factually:
"At least 3/4 of you on defense aren't good enough to play in this league anyway so it doesn't really matter how hard you hustle. As for the offense, I'm no expert, but you guys are even worse so the ratio is probably higher."
….. Coming from a guy like Suh, who hustles like a Tijuana hooker on every single down and has the demeanor, likability & natural leadership charisma of Idi Amin, this should really light a fire under those lollygaggers.
…. Betting this game with anything other than Monopoly Money is not recommended. Let's just say that the excellent Baltimore special teams will not likely get another chance to perform a "Blocksix" at the end of the game like last week in Cleveland and win a game they have no right to.
…… Matt Schaub's high mileage Volvo arm will probably weaken a bit after last week's first start, so let's say Miami wins but doesn't cover the crooked number.
Pick: Ravens (+4)
Bob: Ravens +4
Cincinnati (-10 ) @ CLEVELAND
…… Apparently there is friction in Camelot on the Cuyahoga. Head Coach Mike Pettine of the Cleveland Browns is starting quarterback Austin Davis for this game and not Johnny Football Manziel who will continue to do time on the pine. According to inside reports, owner Jimmy "The Truckstop Don" Haslem still wants to give Manziel another shot.
…… When Josh McCown predictably went down for the season last week in the Monday night debacle loss to the Ravens from multiple hits to multiple compromised body parts, many hoped that the sophomoric behaving NFL sophomore Manziel would be put into the game.
…. But no, …… Pettine held to his word that Johnny Champagne would be third string and Davis was brought in. Austin Davis looked okay last week going 7/10 for 77 yards with a 42 yard touchdown. He is obviously in the Browns' plans for the future because he spent the entire year on the scout team & last week after being announced as second string starter had exactly two snaps with the first stringers in preparation for the Thursday night game with Baltimore.
…… Davis had a few starts with the Rams before this year, but we can't hold the results of those against him. Before that he broke every one of Brett Favre's records at Southern Mississippi. He has technical & arm strength issues, but we wouldn't close the book on him just yet in the NFL.
….. Despite this, nobody believes he gives the Browns their best chance to win this rematch with their in-state rivals or that he is in the team's plans for 2016.
….. Just a month ago, the Bengals beat the Browns in Cincinnati 31-10. Johnny ".08" Manziel actually played pretty well and was announced as the starter for the rest of the season. That was until two weeks ago when he decided to go Hot Tub Time Machine back to those care-free Bacchanalian days of yore he relished at College Station.
….. The Browns should play the little idiot or cut him loose. The Cleveland season is lost (again!), seeing if he will continue to improve as a starter and/or showcasing him for trade is smarter than the present scenario.
…. The template for the future does not look bright. If they cut Johnny Cocktail, the worst drafting team in the NFL will have to start all over (yet again!). Next year they will have to draft yet another quarterback, stick him with poor skill players and the same bad current coaching staff or a brand new scheme with new coaches. …… They could also do the opposite and go into the year with Josh McCown, Johnny Ass Clown & Austin Davis competing for the job with these same bozos running the show or new coaches.
…… Jerry Jones has apparently made inquiries as to Johnny Football's availability to come to Dallas and join the Ship of Fools as Tony Romo's understudy. If that happens, …… well those headlines will write themselves.
…… We can't lose in this game. Our "Team of Destiny for 2015," the Cincinnati Bengals get an easy win over the last place team in the NFL & our prop bet of Browns under 6.5 wins for the season. Both propositions advance closer to maturity.
….. Nobody knows what the hell Browns' coach Mike Pettine is thinking.
…… QB Austin Davis will have the last place running game in the league on his side on Sunday, meaning he will be forced to throw against the first place pass rush in the league.
Pick: Bengals (-10)
Bob: Browns +10
Jacksonville @ TENNESSEE (-2.5)
…. President Andrew Jackson came from Tennessee and his accomplishments were so great in the field of aboriginal eradication that the good citizens of north Florida named a city after him. The man behind military victories like the "Battle of New Orleans" in the War of 1812, was also responsible for the deaths, murder and relocation of tens of thousands of Native Americans. He was a big hero to many, especially settlers in the south.
… He helped bring the state of Florida into the United States, prying it away from the Spanish. He fought in the Seminole Wars, clearing the way for white settlers to populate the peninsula. He owned hundreds of slaves and as President brought in legislation to deal with the "Indian Problem."
…. The "Indian Removal Act" helped relocate thousands of American Indians in 1838-39 from the southeast to the southwest culminating in the infamous "Trail of Tears." Many died and never made it.
……. In 1971, Paul Revere and the Raiders had a hit record with a song that chronicled the plight of the Cherokee, Chickasaw, Choctaw, Creek and Seminole relocation to Oklahoma.
…… "Indian Reservation ( The Lament of the Cherokee Reservation Indian )" hit number one in the Billboard charts. Up to that point in time, most Americans had no familiarity with the tragedy since it wasn't taught in schools and wasn't the kind of subject western and historical epic genre movies covered.
…… The song more than any other single event at the time stirred conversation and political debate over aboriginal issues.
…. Keyboard player and founder Paul Revere ( his real name) passed away last year. He picked the song for his band to record because the issue stirred him. He had grown up in Idaho and seen some of the conditions local Native Americans lived under. He was no hypocrite. During the Vietnam War he registered as a conscientious objector.
….. The band survived for years, but had trouble getting new material recorded and released. They longed to be taken seriously as an "Album/FM" touring band like Columbia/CBS label-mates Blue Oyster Cult, Aerosmith and Mott the Hoople. Unfortunately they were typecast as a top 40/AM/singles band by the record company and were tied by a long term contract.
….. The song is rather dated, but still has a deceiving impact through its frankness and easy delivery. Despite igniting controversy and being banned on some stations it managed to hit number one. Quite an accomplishment at a time when top 40 radio eschewed bad publicity that might shine the light on an institution that still thrived off payola and bribes.
…. So who would the late President Jackson cheer for in this game, his adopted home state or the city named for him in Florida? Old Hickory died in Nashville, so like the Titans the city would probably still give him some bad vibes. The Tennessee Oilers have not won a game at home all year.
…… Jacksonville is still in the fight for the AFC South, but needs a win here before quarterback Methuselah Hasselbeck, Drugstore Cowboy owner Jim Irsay and the rest of the Colts extend their lead and take this pathetic division yet again.
Pick: Jaguars (+2.5)
Bob: TN -2.5
San Francisco @ CHICAGO BEARS (-7)
…. Giving seven points and betting on Jay Cutler and the Bears is like buying a new Volkswagen and expecting to receive a "Friend of the Environment" award from Earthwatch.
….. However, these are the Forty Niners, due for a bad loss on the road in the very un Bay Area weather of Chicago.
Pick: BEARS (-7)
Bob: Bears -7
……………….. 4:05 pm – 4:25 pm Eastern Standard Time ………
Denver (-4) @ SAN DIEGO
…… Could Brock Bunyan and the Androidless Broncos have a letdown after the big win over Big Baby Brady & the Belichikian Bilkers of Foxboro last Sunday night?
… You bet, ……. last week the Chargers won on the east coast in Jacksonville with Phillip Rivers having one of his best days all year. The big reason is his offensive line, finally getting healthier and jelling as a unit they gave him a lot of protection and time to throw.
…. An old AFC West rivalry will be close and Osweiler realizes it won't all be a cakewalk as a starter. There is an NFL learning curve.
Pick: CHARGERS (+4)
Bob: Denver -4
Kansas City (-3) @ OAKLAND
….. The Raider Nation is sad. With the City of Oakland tabling no comprehensive plan to keep the team in container-port city before Commissioner Roger Goodell's false crisis deadline at Christmas, … it looks like the silver and black are headed back to Los Angeles where they can renew their top role as the Fashion Sherpas of Southland drug gangs.
….. The chances of them staying in Oaktown are about as great as the chances of us watching the Super Bowl half-time show.
……. This week it was announced that Coldplay would be semi-lipsynching their semi-plagiarized, semi-autotuned, bleached pablum asexual tonal detritus between the second and third quarter at Super Bowl 50.
….. We can only assume that Kenny G, John Tesh, Yanni & Zamfir, Master of the Pan Flute were passed over because they were unavailable or judged too controversial.
….. An old AFC West rivalry filled with hatred, late hits in the dirt and mud thrown up from the Oakland Athletics' infield since the forecast calls for rain. { and/or "The Forecast calls for Pain" as sung by Bay area based Blues artist Robert Cray.}
Pick: RAIDERS (+3)
Bob: Raider +3
Carolina (-7.5) @ NEW ORLEANS
….. It's not that we don't believe in the undefeated Panthers and celebration dance marathon aficionado Cam Newton, ……. it's just that sooner or later HC Sean Payton & QB Drew Brees of the Saints will have to show some sign that they are worth their designated massive financial compensation and win a game this year of consequence.
… or at least keep it close.
Pick: SAINTS (+7.5)
Bob: Saints +7.5
Philadelphia @ NEW ENGLAND (-12)
…..Waahhh! Waaahhh! Waaahhhh! …….. What a tiresome spectacle watching the predictable whining by Tom Brady & Patriots after their first loss last week. Yes Tom, You're the only team that has been screwed by bad calls in the NFL. What a crybaby.
….. Now Golden Boy also wants special rules for the tackling of wide receivers & tight ends. Of course many say that this is only because his number one target & safety blanket Gronk went down last week and narrowly escaped serious injury. This is incorrect.
….. Brady almost never has his own self interest at heart and those who accuse him of knee-jerk reactions are just jealous losers. When Tom Terrific decided to change his previous behaviour & destroy his cell phone for the first time in his life shortly after "Deflategate" last year, many thought he was eradicating evidence.
….. But Tom had just recently read an article about the world wide shortage of specialty metals that are needed to manufacture computers & cell phones. He felt it was his global citizen responsiblity to simultaneously reduce, recycle, reuse and start the greening of his personal brand.
…… With so many injuries on both sides of the Patriot line of scrimmage we are going to go out on a limb and take the Eagles to cover the big number. The Pats haven't covered in a month. The Eagles have had 10 days rest to prepare after their Thanksgiving massacre in Detroit. We'll gamble that Mad Scientist Chip Kelly can get them to believe that they still have a shot at the NFC East which is as unstable an inorganic compound as Nitrogen triiodide.
Pick: Eagles (+12)
Bob: NE -12
…………….. 8:25 pm Eastern Standard Time …………………
Indianapolis @ PITTSBURGH (-8) 49
….. George Blanda has gone 4-0 taking over from Daryle Lamonica at quarterback for the Colts. This will be his biggest test on Sunday in prime time against the Steelers. That is if Lamonica who has started throwing again in practice, is intelligently kept out longer to recuperate from his multiple injuries including his lacerated kidney.
…. Ben Roethlisberger self reported his concussion symptoms last week and was relieved in the game by the seemingly useless Landry Jones. The Steelers could have won in Seattle as the Seahawk defense is still prone to long stretches of dysfunctionality. Unfortunately, they also are prone to seizing turnovers and turning those into great field position or touchdowns.
…. It looks to us like Big Ben is gripping a little from all the hits. It also looks like the Steeler defence for the first time this year is missing the cool, adaptive hand of former DC Dick LeBeau.
Pick: Colts (+8)
Bob: Colts +8
……………… Monday, December 7, 2015 ………………
……………. 8:30 pm Eastern Standard Time ……………………
Dallas @ Washington (-4)
…. Dallas owner/general manager/head talent scout/pigskin visionary & Cowboy team mental health therapist Jerry Jones got testy this week. Appearing on a Dallas radio talk-show, he announced the grand future plan for his precious football team. This involved building the team around perpetual outpatient and 36 year old quarterback Tony Romo.
….. When questioned if this was wise considering Romo's age and durability he got snippy with the interviewer and belittled his knowledge of football. Later on he got "His nose further out of joint" when the talk show host appeared to question Jones' suitability as a talent evaluator due to the ineptness of back-up quarterbacks Brandon Weeden & Matt Cassell filling in for Romo.
….. Jones replied with a couple of terse statements of frustration and walked out. We assume he was upset, but nobody at the scene could really tell since Jerry Jones face surrendered no hint of expression. This is because it is stretched tighter than a snare drum in a drum & bugle corp.
….. Little Danny Snyder and the "Bloodskins" can smell actual blood. The NFC East is theirs for the taking. The pathetic Cowgirls limp into town with a below average quarterback, an above average wussy diva playing wide receiver and a psychotic misogynistic defensive end.
…. Their owner clearly is in mental decline and possesses no shame and an impenetrable frontal lobe membrane that resists the concept of embarrassment or accountability like a Yugoslavian War Criminal on trial in the Hague..
…. It is a rare occasion indeed when the Washington football team is not only favoured by the odds-makers but also by Amnesty International.
Pick: Stereotyped Dream Catchers (-4)
Bob: Skins -4


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How Down Payment Grants Can Help You Buy a Home
There are some misconceptions about down payment grants in general, but one of the biggest is that the FHA itself or the lender is somehow responsible for managing or offering these grants. They are not.
Getting Started With Down Payment Assistance
The first thing you should know about down payment grants is that you, the borrower, are responsible for locating any such programs in your area.
It will require you to search state and local resources but fortunately you may be able to start and end your search more quickly if you begin by reviewing your state government official sites for programs aimed at house hunters.
Some programs may require you to be a first-time buyer. Others may not be as interested in whether you have owned a home before or not; these may have state residency rules which must be met in order to qualify for the grant.
The FHA and HUD do not offer grant money. Your lender is forbidden by law to offer a down payment gift, and so is the seller. Why?
FHA loan rules do not permit anyone with a financial stake in the outcome of the loan to provide down payment assistance.
These rules are found in HUD 4000.1 and basically require anyone offering down payment gifts to meet several requirements including a rule stating that any gift of down payment money must be a legitimate gift and not a formal or informal loan disguised as a gift.
What the Seller Can and Cannot Do
Years ago, seller-funded down payment assistance was possible. However, the Housing and Economic Recovery Act of 2009 made such down payment help illegal. What your seller IS permitted to do is contribute up to six percent of the sale price of the home toward closing costs.
Closing costs, in this case, mean any expenses requiring cash to close that is NOT part of the down payment. Remember, FHA loan rules in HUD 4000.1 state that all other payments due at closing time are separate from the down payment and are not PART of the down payment.
Ask your lender if you aren't sure about how these down payment rules affect your transaction. Your lender may also know of down payment assistance programs offered by state government--be sure to ask what has been used in the past for other home loans. Or you can search for down payment assistance programs near you.
Understand the Reasons for Private Mortgage Insurance
Carefully Read Your Closing Disclosure
Buying a Home With a Co-Borrower
Do you know what's on your credit report?
Learn what your score means.


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How To Activate GLO Free Data Cheat 2021
Follow the guide below to enjoy GLO cheat 2021.
- First, get two GLO sim card, there shouldn't be any active data plan on it. The sim card can be 3G or 4G, anyone works well.
- On the first GLO sim card, activate GLO night plan.
- Share your data from the first sim you activated glo night plan to the second sim. You can dial *127*01*NUMBER#.
- Now use the second sim you shared data to and browse. Make sure you exhaust the data plan you bought. Don't use the first sim card to browse.
- After exhausting the data on the second sim. Now you can turn your data connection of, but make sure you turn it on before 5AM unless this cheat wouldn't work.
- Turn it on before 5am then continue browsing once it is 5am. The data bundle wouldn't reduce, you are on an unlimited plan. Now, you can browse and download anything you want.
- Don't turn off your data connection off again on the second sim. Unless you will wait till 12 am the next day. Then repeat the steps and enjoy GLO unlimited data cheat.


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If I could go back in time to my wedding I would have changed only 2 things. First, I wouldn't have cut my hair to the length of a short bob just days before my husband proposed (seriously my locks of love donation should have been AFTER the wedding!) and second, I would have worked to get better toned arms and a sculpted back. When I got my pictures I was a little disappointed to see that my arms were not as toned as they could have been, and I know I'm not the only bride who has felt this way before. Many brides work so hard to get in shape before their big day, but the only spots you have exposed are usually your arms and your back, so if you have limited time to work out, your arms and back are a great place to start. Busy brides need a quick and easy routine that can be done in their own home without the need of extensive gym equipment. Luckily my friend Lauren Hefez, personal trainer extraordinaire, was willing to put together this fantastic routine that is less than 5 minutes long, can be done in your own home, and best of all…promises beautiful toned arms and a sculpted back as a result.
If you want to skip my intro, Lauren's work out starts at 1:24 in the video or use this link to watch only her part. For those who have more than 5 minutes a day to spend on exercise, Lauren has a bunch of other great free videos of exercises and dance routines you can do at home for the rest of your body as well.


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XSLX Import partially fails on Windows
The problem is while manual import of XSLX files is no worries, it partially fails when the placement is called from script on Windows.
The main issue is that sheetName property seems to be ignored leading to the first sheet always being placed no matter which sheetName has been set.
The expected behaviour is that the sheetName set in app.excelImportPreferences.sheetname is correctly placed.
No problem with old xls format or with xlsx on mac.
shared this idea
Thanks for reporting the issue. We are reviewing it
-InDesign Team


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Richard Attenborough is unforgettable as 'Pinkie', the brutal gangster who seduces and grooms a simple waitress, Rose (Carol Marsh) in the belief that she could incriminate him in a murder.
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text: First Jump Force DLC fighter and Upcoming DLC Roadmap Announced from Bandai Namco Seto Kaiba, Yugi Muto's arch-rival from the Yu-Gi-Oh! series, has been confirmed as one of the nine upcoming DLC characters for Jump Force, now available for the PlayStation 4 computer entertainment system, Xbox One, and PC via Steam. Kaiba will be released in May along with two other characters. The following six will be released at later dates. Bandai Namco Entertainment America has also released an upcoming DLC roadmap for JUMP FORCE through August 2019. The roadmap outlines both free updates and paid DLC items with more information to be provided at a later date. All paid DLC items are included in the Jump Force Fighters Pass and can also be purchased individually. Additional DLC and updates are planned for Jump Force beyond August 2019. April 2019 Free Update • Clan feature • Vertex event • New avatar costumes May 2019 Free Update • Online Link Mission • Raid Boss Event • New stage: World Tournament Stage Paid DLC • Seto Kaiba and two other playable characters • Avatar costumes and skills June 2019 Free Update • Arena event • New avatar costumes July 2019 Free Update • Tournament event • New avatar costumes August 2019 Free Update • New avatar costumes • New stage: Valley of the End Paid DLC • Three new playable characters • Avatar costumes and skills And more to come, stay tuned! |


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Are you subscribed to my Design Life? It's free! Tune in anytime from anywhere in the world - right here or on my YouTube channel!
Watch the reveal of the Basement Guest Room!
Get The Look
Sarah Richardson for Palliser: Junction Rug, Boulevard Storage Bed, Boulevard Gallery End Tables, Boulevard Rectangular Mirror, accent pillow, throw blanket | Brewster Home Fashions: Instep Pewter Abstract Geometric Wallpaper (SKU: 2902-25502) | IKEA: BERGPALM Duvet cover and pillowcase(s), gray | Premier Prints: pillow fabric Diego Ecru Slub Canvas (SKU: DIEGOECSC) | Kravet: accent pillow fabric | First Class Flooring: engineered floors | Regina Andrew: table lamps | Wayfair: pendant | ICI/Glidden/Dulux: ceiling and trim paint White on White SKU: 30GY 88/014


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Development and system supplier for the international market
IDEAL Automotive GmbH is an international system supplier and development partner for the automotive industry. As a specialist for textile lining elements, we produce and deliver for the use in the interior, exterior and luggage compartment areas. All IDEAL processes are aimed at maximising quality, expertise and flexibility. Our more than 4,000 motivated employees support our goals worldwide at 16 locations.


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Wonderful to see these amazing model shots of Beton House, our student accommodation scheme at Park Hill, Sheffield created by David Riley Model Making.
We are thrilled to be working with Whittham Cox Architects and Kier Construction by reimaging this phase to create new student accommodation in the form of Beton House and to be apart of this historic site.
Head over to David Riley's website here to read about the Park Hill Model


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The 42nd Amendment Act, 1976 is one of the most prominent amendments to the Indian Constitution. It was enacted by the Indian National Congress headed by Indira Gandhi during the time of Emergency. Later, Due to the massive number of amendments this act has been added to the Indian Constitution, it is also called 'Mini-Constitution'. The subject matter of the 'forty second Amendment Act' also known as The Constitution Act, 1976.
How the Drafting of Preamble/Mini-Constitution Took Place
On 26.11.1949 the Preamble or mini-constitution was finalized and it was given to the people for their acknowledgment. Earlier, in the mini-constitution, there were a total of '81 words' added in the 42nd amendment, and later, '4 more words' were added in this amendment. i.e, Secular, Socialist, Integrity, and. After adding these words in the mini-constitution there was a total of '85 words' now.
The preamble was drafted and finalized after the entire constitution was drafted. That shows that the preamble is a summary of the constitution. And it also shows the significance of various terms used in the preamble. Constitution was finalized in the 3rd reading of the constituent assembly it was the main body of the drafting committee headed by Dr. Rajendra Prasad and B.R Ambedkar –chairman.
Moreover, the fact that constituent assembly passes the constitution hence, the people of India accepted the constitution. This clearly shows that people have the approval of the people even though the constituent body was not an elective body yet, the people of India gave their approval to the constitution and granted the sanctity to the constitution.
The objective of the Mini Constitution
The ultimate aim of the makers of the mini-constitution was to have summarised the whole constitution in one page that makes it easy and understandable to the reader to interpret the entire/whole constitution just by reading the mere first page i.e, the mini-constitution or preamble. The constitution-makers gave the preamble or mini-constitution, 'the place of pride'. It embodies in a solemn form all the ideals and the aspirations through which the country had struggle through the British regime.
The mini-constitution is the key to open the minds of the makers but, it does not mean that the preamble can override the express provisions of the constitution.
The Preamble Declares
having solemnly resolved to constitute India into a SOVEREIGN SOCIALIST SECULAR DEMOCRATIC REPUBLIC and to secure to all its citizens:
JUSTICE, social, economic, and political;
LIBERTY of thought, expression, belief, faith, and worship;
EQUALITY of status and opportunity; and to promote among them all
FRATERNITY assuring the dignity of the individual and the unity and integrity of the Nation;
IN OUR CONSTITUENT ASSEMBLY this 26th day of November 1949, do HEREBY ADOPT, ENACT AND GIVE TO OURSELVES THIS CONSTITUTION[i]
The Landmark Judgments
- In berunai's case (1960 SC )
9 judge bench.
The judgment was delivered by, P Gajendragadkar j.
Court held that the preamble is not a part of the constitution. However, it is a key to open the minds of the framers and it reveals the intention of the constitution. The preamble in itself is neither a soul of any powers nor a source of any restrictions. A preamble is an important tool for the interpretation of the constitution.
- In the case of, Keshvananda Bharti V. State of Kerala (1973 SC)
13 judge bench, a constitutional bench.
The judgment was delivered by, Sikri, S.M. (CJ).
The ratio was 7:6.
Court held that the preamble of the constitution cannot be seen in the same sense as the preamble to a normal statute. The preamble is certainly a part of the constitution but, it is not an operative part i.e., not a provision of the constitution. Rather, it is a salient tool for the interpretation of the constitution. The preamble is not the source of the basic structure rather, said to be the manifestation of the basic structure.
Can the Preamble Be Amended?
In the case of Minerva Mills V. Union of India (1980 SC)
5 Judge Bench
The judgment was delivered by, Y.V Chandrachud (Cj)
Court held that any positive amendment can be surely be made. The edifice of the constitution has been built upon the concepts crystallized in the preamble. The 42nd amendment acts upon the vitality of the philosophy of the constitution. It makes explicit what was already implicit in the constitution. The preamble is the reflection and manifestation of the constitution. If something is present in the constitution you can always amend it to make it explicit in the constitution.
Ultimately, it was held that the preamble can be amended by the procedure contains in Article 368.
The various terms used in the preamble or mini-constitution are not to be seen in isolation rather, each of them respectively gives their notions to one another. Each term is a noun in itself and all other terms act as an adjective to the noun. Each notion qualifies to each other and cannot be seen in insolation. Hence, the notion overlaps each other so, the ultimate goal of all these notions is to promote 'fraternity' that can be attained that would assure 'the dignity of the individual or a group and integrity of the Nation'.
[i] https://secure.mygov.in/read-the-preamble-india/


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If you are a fan of Pokémon Go, you would be pleased to learn that Niantic is finally bringing the Go Battle League that was promised last year. It allows players to fight other trainers across the world, based on their level. However, it may take some time before the feature actually arrives.
Niantic has temporarily stopped the release in order to make sure that the launch is smooth and free from server issues. When it finally arrives sometime soon, you will be able to play against other trainers in the Go Battle League preseason events.
What are the Go Battle League pre-season events all about?
There are three pre-season leagues, according to sources. These include the Master League, Ultra League, and the Great League. When people begin to play these leagues, Niantic will make enhancements and improvements depending on their behavior. Niantic will also decide the ideal season length based on these criteria.
Here is what players need to do in order to be allowed to play the leagues
- Each player needs to walk a distance of five kilometers and unlock five online matches
- This can be done thrice a day, but that will take a lot of physical effort
- The more one walks per day, the more trainers one can battle
- Those who are lazy and are not willing to walk can pay their way into the Battle Now feature by using PokéCoins.
- The price depends on how far you are from your goal
Go Battle League promises many surprises and goodies
There are several surprises that come along with the leagues. For instance, users will encounter Pikachu Libre, when they play Go Battle League. Pikachu Libre is a Lucha libre-wearing Pikachu that looks quite surreal. Niantic will announce when the leagues will be finally thrown open to the public. For now, it only confirmed that the Go Battle League is definitely happening. Many fans had begun to assume that this was another of those hollow promises that game developers make. Thankfully, now we know that it is not a false promise. The Go Battle League is definitely coming.


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CoinMarketCap releases our very own CMC Fear and Greed Index — check out how it works and how you can use it to navigate the volatile crypto markets!
CoinMarketCap is pleased to introduce a tool that will help you manage the wild swings of the crypto market: our proprietary Fear and Greed Index.
During the recent market turmoil, it became clear that there is no cryptocurrency counterpart to the classic Fear and Greed Index, a well-known equities market analytical tool. The current offerings are focused on Bitcoin, and there is none that captures the market sentiment of over 20,000+ coins listed on CoinMarketCap.
This indicator shows you on a scale from 0 to 100 how fearful or greedy the crypto market is at any given time. Let's explore in detail how you can use CMC's Fear and Greed Index to navigate the crypto markets!
What Is the Fear and Greed Index?
The Fear and Greed Index measures investors' emotions. The idea behind this index is that extreme fear likely indicates undervalued asset prices, while extreme greed likely indicates frothy valuations and overvalued asset prices.
The crypto market is highly driven by emotions and sentiments, making the Fear and Greed Index by CoinMarketCap the perfect indicator to measure the "market temperature." The index is updated every day, week, month and year and helps you figure out if the crypto market is too hot or too cold.
Why Investors Use the Fear and Greed Index
Investors use the Fear and Greed Index to avoid making emotional mistakes in the crypto market and identify buying and selling opportunities. As Warren Buffett famously said, "be fearful when others are greedy and greedy when others are fearful."
The Fear and Greed Index gives you a simple number that gives you an estimation of how the market feels. It is not a perfect indicator in itself but can provide a useful measure of the market's sentiment.
How CMC's Fear and Greed Index Works
The Fear and Greed Index by CoinMarketCap analyzes five different factors to gauge the sentiment in the crypto market:
- Price momentum: It analyzes how well the top 10 crypto coins by market cap (not counting stablecoins) are doing. It integrates a holistic view of the market sentiment in relation to current prices.
- Volatility: Volatility predicts how much Bitcoin and Ethereum are moving up or down using Volmex Implied Volatility Indices, BVIV and EVIV. These indices tell you how much people expect BTC and ETH to move in 30 days. A higher volatility means more fear in the market, while a lower volatility means more greed in the market.
- Derivatives market: This factor looks at what traders think about Bitcoin using the put-call ratio. This ratio compares how many put options (bets that BTC will go down) to call options (bets that BTC will go up) there are on Bitcoin. A higher ratio of puts to calls means more fear in the market, meaning that traders think BTC will trade down soon.
- Market composition: The market composition looks at how much Bitcoin dominates the crypto market using the Stablecoin Supply Ratio (SSR). This ratio compares Bitcoin's market cap to the total market cap of major stablecoins. A lower SSR means there are more stablecoins than BTC, while a higher SSR means there are more BTC than stablecoins. This metric shows how much people want to hold BTC or USD and shows how much the market is betting on BTC.
- CMC proprietary data: CMC's proprietary data assesses how crypto users feel on social media. CoinMarketCap analyzes social trend keyword search data, such as phrases like "crypto moon." User engagement and behavior helps us analyze which coins and projects people are interested in, and which themes are driving market sentiment.
Each factor has a 20% weight. The range of the index is from 0 to 100: 0 means extreme fear, 50 means neutral, and 100 means extreme greed.
Why You Should Use CMC's Fear And Greed Index
The CMC Crypto Fear And Greed index makes use of a number of significant factors that have been carefully designed to give readers insightful information about the general mood of the cryptocurrency market, instead of current offerings that are Bitcoin-focused.
Here are some of the ways that CMC's Fear and Greed Index could help you make better decisions in the crypto market:
- You can check the index on the CoinMarketCap website to get a sense of the market trends and cycles.
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I would think some decent sandwiches should be possible and reasonably healthy, turkey or something with lettuce and maters. I eat sandwiches by choice fairly often.I agree the food should be improved, I just am not sure of the holdup. It's facile to blame some Big Corporation for everything. And at times they are at fault.
Yeah, that makes sense to me. Spend money on administration instead of the product.Our HS food in Cincy was "OK", I ate there a few times. I thought it was reasonable for the price, which was very low.
Okay, here's how this plays out. It's not "blame Big Corporation", it's not anything particularly nefarious. It's all covered by standard behavioral economic theory:The powers that be (school board, dept of education, health dept, whoever) comes up with a list of nutritional guidelines for the food that is served.As such, they obviously cannot say "you must serve these 5 meals on weekly rotation" because they'll be seen as meddlesome tyrants. Which they are, but they don't want to APPEAR that way. So you get guidelines basically stating caloric requirement, inclusion of certain food groups, etc. This of course includes a significant amount of lobbying, such as how ketchup becomes classified as a vegetable. A good portion of that lobbying is probably from big corporations who know that if they get ketchup to be classified as a vegetable, they can satisfy the requirements at lower cost.The school districts need to figure out what food supplier to go with. To justify their bloated administrative budgets, they convene a 12-person panel that meets for weeks and weeks to write the request for proposal that is sent out to food suppliers, and then more weeks and weeks to select their supplier. Lots of money is spent by people who are going to sit around a conference room arguing, full of sound and fury, signifying nothing.The food suppliers know that they are going to have to be the low bidder or damn near it to even have a chance at getting the contract. So [having already lobbied the requirements to be flexible and cheap], they work out the crappiest food and the thinnest margins they can offer in order to make a healthy enough profit on the deal to be worth their while at all. They know they'll have predictable sales volume, so it's a low-risk endeavor to keep profits low, but they have to hit the cost targets to win the bid at all. The school districts get the bids. They've already spent their budget on the salaries for the people who spent endless meetings discussing the bids, so they pick the lowest bidder.Hence, you end up with crappy, cheap, unhealthy food. But it comes in within the budget for the school districts, who don't have extra money to pay for healthier options, and the kids suffer.
I see you continue to mischaracterize my clear meaning because you apparently can't discuss the issue coherently with facts, so you make them up from nothing.
The facts are it's a broken system with those that don't have a voice suffering as a result. That's a fact.
"School choice" as it's been labeled, is about one thing and one thing only - white flight. How is a school/district supposed to improve when their best/most concerned students/families leave? I'm also afraid teacher's unions are an antiquated boogeyman, too. Over half the states are 'right to work' and don't have bloated, draconian teacher unions. And it's hard for parents to have a voice in their local school if they're busy choosing another school. I'm not even sure how we got to this, as I - a teacher - am advocating for better food for students. .A school in a poor neighborhood isn't going to have parents advocating for quality school food because they're not providing quality food at home. Because they're poor.
So, your major complaint about the educational system in the United States, is the quality of the food? You see no other problems?When my kids were in school (not terribly long ago by the way), we would get a calendar from the cafeteria every month that detailed what would be served on that day. Therefore, my kids knew what they could expect if they ate the school lunch that day. That gave them an option, eat what the cafeteria was serving or bring their own lunch. My wife and I would be sure that we had food choices at home that were transportable and available for their lunch. So if they didn't care for the school lunch, they could take something else that appealed to them.This is called Personal Responsibility. My wife and I were responsible for ensuring that our kids had nutritious food for lunch and the kids were responsible for determining which lunch they preferred on a daily basis. We didn't leave that decision up to some school administrator or other government agency, we handled it ourselves. Perhaps if more parents did the same, food wouldn't be an issue at schools. This is were you start lambasting me because we actually work to ensure our children have what they need to grow up healthy. We sure do. We also waited to have children until after we married and got ourselves into a financial situation where that would not be an issue. I suggest that others approach parenthood in a similar fashion as it is a HUGE responsibility to bring a child into this world and care for them. Too many people these days don't share that opinion.


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Before every child was issued a smart phone, kids used to go out and explore on their own. Instead of watching other people create and have experiences, they would have their own.
When kids get out of the house, they either get with their friends (or sometimes go it alone), and head into an adventure.
It's not always an amazing, movie-worthy adventure. Sometimes something small or minor happens. Sometimes, it's not really memorable at all.
But it's the sum of all these experiences – the conflicts, little victories, tiny defeats, attempts to talk to others, the unique, seemingly meaningless happenstance – that together, make up a foundation upon which we draw for courage.
Before phones, kids knew they were great because they had a lifetime of unique, individual, personal experiences that they could call their own. They had things no one else did. Kids didn't need to be constantly told they were powerful or unique. They had a sense of it because of what they had seen and conquered, or because of what they had overcome.
Now, it's more difficult to get kids away from their phones. They're sharing the same memes and missing a lot of the opportunities that life presents to have a unique and potentially life-altering personal experience.
In absence of those small, personal challenges that let each of us know we're ready for life, parents and teachers resort to telling kids how great and capable they are. Because unfortunately, they don't have the personal experience to know it for themselves.