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Wojciech Kopczuk
June 4th, 2019
"Intergenerational Wealth Formation over the Life Cycle: Evidence from Danish Wealth Records 1984-2013"
This paper provides novel insights on intergenerational wealth mobility and its relationship to lifetime economic resources using thirty years of wealth records for the Danish population. Non-parametric evidence reveals an almost linear relationship between wealth ranks of children and parents, except at the very top of the distribution where the association is stronger. The slope of the graph—the rank correlation—is 0.27 when both parents and children are in mid-life (age 45-50). We find a U-shaped pattern when looking at the rank correlation as a function of child age with a correlation of 0.35 when children move into adulthood (age 20), going down to 0.17 in the mid-twenties and then moving gradually up again to 0.27 in the forties. After death of parents, the correlation lies in the range 0.35-0.40. We provide a simple theoretical framework to understand intergenerational wealth mobility over the life-cycle. The theory explains the life-cycle pattern in measured wealth mobility through life-cycle patterns of transfers and earnings: wealthy parents make inter vivo transfers early in childrens' life, their children have low income in the twenties when investing in human capital, but a high permanent income and, finally, they receive large bequests. The U-shaped pattern requires that inter vivos transfers are quantitatively important and the increase in correlation at the receipt of bequests reveals the quantitative importance of bequests. Our main interest is in the correlation across generations in lifetime resources, which according to the theory may be captured by appropriately estimating intergenerational correlation in wealth. Our preferred estimate of the intergenerational correlation in lifetime resources is 0.25, which is significantly higher than the correlation of permanent incomes equal to 0.20.


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What is Kyani Nitro FX? Nitro FX is a vital ingredient in Kyani's Triangle of Health formula that ties with each other Kyani Sunrise as well as Kyani Sunset. Nitro FX depends upon the primary component of the noni fruit essence to enhance the manufacturing of nitric oxide in the body which aids in not just the circulation but the usage of Sunrise and also Sunset.
What is Kyani Nitro FX? The fruit has actually been used in Asia for thousands of years due to its medicinal and anti-inflammatory homes, and also is very valuable for the body.
Kyani Nitro FX includes an exclusive mix of noni fruit that promotes the body's all-natural production of Nitric Oxide. By boosting Nitric Oxide degrees, it helps the body combat conditions.
The proprietary mix of Noni concentrates in Kyani Nitro FX is shown to raise the body's manufacturing of Nitric Oxide. It is an effective antioxidant that promotes cellular repair work, and also can be used to protect against cardio condition and also assist the body recover itself.
Nitro FX is a proprietary mix of 22 super-foods that function to enhance the production of Nitric Oxide in the body. Due To The Fact That Nitric Oxide is a crucial molecule forever, it is crucial to the total wellness of the body. The molecule can only make it through for a couple of secs without Nitric Oxide, the molecule of life. It just continues to be active in the body for a minimal duration of time. Medical researchers have actually pinpointed the procedure through which the body can replenish this particle.
Kyani Nitro FX is an exclusive mix of noni focuses that has actually been shown to enhance the body's manufacturing of Nitric Oxide. This molecule is an essential component of your wellness as it aids keep and also repair all the cells in the body.
Nitric Oxide is an effective health-promoting molecule, and is located in every cell of the body. It has been discovered that the proprietary mix of Noni focuses in Kyani Nitro FX aids the body create even more of this nutrient.
The Kyani NitroFX supplement is an exclusive blend of noni concentrates that improves the body's all-natural production of Nitric Oxide. Nitric Oxide is the "Molecule of life" and is accountable for the repair work and upkeep of every cell in the body. It has been thoroughly studied by researchers and also is mentioned in numerous scientific papers as a health-promoting particle.
The proprietary blend of Noni extracts in Kyani Nitro FX is one of the vital ingredients in the item. If you are interested in locating out much more concerning how this supplement can benefit your health and wellness, you can visit Kyani Shops.
The active ingredients of Kyani Nitro FX are obtained from the noni fruit. These essences are known to enhance the body's production of Nitric Oxide. Nitric Oxide is a crucial component of our body immune system and is an essential part in protecting against conditions. This ingredient has been medically confirmed to be efficient in enhancing blood flow. The Noni in Kyani Nitro FX also improves the manufacturing of nitric oxide, which is the key ingredient that helps your body to produce even more of it.
This active ingredient raises the body's production of Nitric Oxide. It helps the body take in nutrients. Since of this, it is vital to improve your body's capacity to take in the nutrients.
The Kyani Nitro FX sporting activities beverage is a focused mix of Noni fruit juice, a tropical fruit that flowers near the sea. It assists support your body's metabolism and also physical features. It is an outstanding choice for endurance sporting activities as well as energetic individuals. The item is additionally loaded with other active ingredients, including coQ10, Zinc, Chromium, and also Vitamin B12. This sporting activities supplement is excellent for people with a hectic way of living.
The active ingredients of Kyani Nitro FX are natural and effective. They consist of a proprietary blend of Noni as well as Nitric Oxide, a particle applauded by scientists for its several health and wellness advantages. Both Nitro FX as well as Xtreme are available in a 56-ml bottle and in a pack of 8x15ml mini containers. The firm likewise ships globally, which suggests that you can obtain the product from throughout the globe.
The Kyani Nitro FX and also Kyani Nitro Xtreme have different benefits. The very first supplement consists of extra nitrate, while the 2nd is developed for much more extreme sports. The formula likewise has proprietary Noni concentrate, which improves Nitric Oxide production. Other ingredients include Magnesium, Zinc, and also Niacin. These nutrients support physical endurance as well as mental quality.
The Kyani Nitro FX and also Xtreme products are based on the wellness advantages of the noni plant. Additionally, the noni plant consists of tocotrienols, which are substances discovered in annatto bush seed, which are thought about pure kinds of Vitamin E.
The Noni plant remove in Kyani Nitro FX aids the body generate Nitric Oxide. This molecule is crucial for ideal mental as well as physical efficiency, but it does not remain in the body for extended periods. Researchers have established a solution to supplement this natural active ingredient. Today, it is possible to get a day-to-day dose of NO through supplements like Kyani Nitro Xtreme, which stimulates the manufacturing of nitric oxide in the cells of red cell.
The Kyani Nitro Xtreme is based upon the same structure of Kyani Nitro FX. The Kyani Nitro Xtreme includes more nitrate and much more Noni. It additionally includes magnesium, zinc, as well as chromium. It is created for the most active component of the day, and is optimal for athletes searching for a boost in power. It is additionally optimal for people who require to concentrate for long hours often.
Unlike Kyani Nitro FX, Kyani Nitro Xtreme makes use of an exclusive mix of concentrated Noni, which consists of nitric oxide. Its major active ingredient is CoQ10, which supports 95% of the body's energy and also encourages the circulation of blood. It helps raise the production of nitric oxide in the heart. It is an antioxidant, an effective neurotransmitter, and can assist boost athletic efficiency.
The Kyani Nitro Xtreme is a more potent variation of Kyani Nitro FX. It includes extra nitrate. The Xtreme is based on the same formula as Kyani nitrogen FX. It additionally contains CoQ10, Magnesium, Zinc, Niacin, and CoQ10, which all aid raise the production of nitric oxide.
The noni remove in Kyani Nitro FX assists boost the manufacturing of nitric oxide, an effective antioxidant that is needed to sustain high power degrees. Along with enhancing nitric oxide, it is necessary to keep a healthy diet for optimum wellness. While the items may be useful for the body, your general nourishment is what genuinely counts. If you're a major professional athlete, it will help you to carry out at your ideal.
Kyani Nitro FX contains nitrates, a naturally occurring substance in the noni fruit. The nitric oxide in Kyani Nitro FX is likewise recognized as nitric oxide, and also this substance is crucial for the body.
The noni fruit, additionally called a passionfruit, is just one of one of the most intriguing fruits available. It's difficult as well as is hardly ever located in the fruit and vegetables aisle. This tropical berry can be eaten raw, but the taste can be undesirable. It's much better to juice the fruit, or add it to a smoothie. The ripe fruit has yellow skin and is soft to the touch. The noni berry is best taken in fresh, in little doses throughout the day.
Noni fruit juice has a number of health and wellness advantages. By enhancing your intake of foods abundant in antioxidants, you may be able to minimize the impacts of oxidative stress and anxiety.
Some research studies assert that noni has up to 500 mg of anti-oxidants, a number that's two times the amount of numerous popular fruits. The fruit's juice includes the very same amount of antioxidants as oranges and tangerines.
The noni fruit has an one-of-a-kind taste. It's additionally commonly referred to as vomit fruit because of its undesirable taste.
The noni fruit is an exotic evergreen tree indigenous to Polynesia, Australia, and Southeast Asia. The flesh of the noni fruit is white, but has a woody appearance.
The noni fruit expands in the exotic areas of the globe and also is prominent in numerous forms. Some of these products are made from the fruit's peel. The most usual means to eat noni is in its juice type.
The fruit is recognized for its health advantages. It is best to avoid imitations of noni fruit items. Cheap noni items might include fillers as well as substandard ingredients.
The fruit container be consumed in juice type or as a paste. If you're looking for more means to eat it, inspect out its advantages!
The noni fruit has an unique flavor, and is sometimes also called "vomit" fruit. The fruit is sold readily in juice kind, as well as regarding 108 million gallons of the fruit's juice were consumed in the very first 12 years of its business availability.
In spite of its poignant odor, the noni fruit is a staple in some societies. It can be eaten raw, seasoned with salt, or cooked. Some people like it in juice form. The seeds can be roasted, however the fallen leaves are better for the diet. Some people dislike noni, but it does not influence them negatively. The seeds of the fruit are not toxic. The skin of the fruit is edible.
French Polynesia (; French: Polynésie française [pɔlinezi fʁɑ̃sɛz]; Tahitian: Pōrīnetia Farāni) is an overseas collectivity of France as well as its sole abroad nation. It makes up 118 geographically dispersed atolls as well as islands extending over even more than 2,000 kilometres (1,200 mi) in the South Pacific Ocean. The overall acreage of French Polynesia is 4,167 square kilometres (1,609 sq mi). French Polynesia is divided into 5 teams of islands:
Among its 118 islands and atolls, 67 are lived in. Tahiti, which remains in the Society Islands group, is the most heavily populated island, being residence to nearly 69% of the population of French Polynesia as of 2017< sup course ="plainlinks noexcerpt noprint asof-tag update"design="display screen: none;">. Papeete, located on Tahiti, is the capital of French Polynesia. Not an indispensable part of its territory, Clipperton Island was provided from French Polynesia until 2007.
Centuries after the Great Polynesian Migration, European travelers began taking a trip with the area, checking out the islands of French Polynesia on numerous occasions. Investors and also whaling ships likewise checked out. In 1842, the French took over the islands and also established a French protectorate that they called Établissements français d'Océanie (EFO) (French Establishments/Settlements of Oceania).
In 1946, the EFO ended up being an abroad territory under the constitution of the French Fourth Republic, and also Polynesians were given the right to vote with citizenship. In 1957, the EFO were relabelled French Polynesia. In 1983 French Polynesia came to be a member of the Pacific Community, a local growth organization. Because 28 March 2003, French Polynesia has been an abroad collectivity of the French Republic under the constitutional alteration of post 74, and also later gained, with law 2004-192 of 27 February 2004, a management freedom, 2 symbolic indications of which are the title of the President of French Polynesia as well as its extra classification as an overseas nation.
Not an integral part of its region, Clipperton Island was carried out from French Polynesia till 2007.
Hundreds of years after the Great Polynesian Migration, European explorers began traveling via the area, going to the islands of French Polynesia on several celebrations. In 1983 French Polynesia became a member of the Pacific Community, a regional growth company. Considering that 28 March 2003, French Polynesia has actually been an abroad collectivity of the French Republic under the constitutional revision of post 74, and also later on obtained, with law 2004-192 of 27 February 2004, an administrative autonomy, two symbolic symptoms of which are the title of the President of French Polynesia and its added classification as an abroad country.

subset: commoncrawl


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Nine ESM researchers spoke at the IUFRO World Congress, highlighting how forest science is helping address significant environmental, social, and economic challenges facing our world. The scientists presented their latest research in 15 talks and posters and also contributed to a series of technical sessions and side events coorganized by IIASA.
ESM Deputy Director, Florian Kraxner, organized sessions on "International to Local Forest Governance: Taking Stock of Theories, Methodologies and Findings" and "Addressing The Drivers Of Deforestation: Exploring Synergies between REDD+ and Forest Policy" featuring REDD-PAC and results from the IIASA Tropical Futures Initiative. He also organized a session on global and regional deployment of biomass and carbon capture and storage (BECCS): Reconciling top-down and bottom-up approaches and REDD+/BECCS nexus."
The IIASA events attracted a large international audience and steered scientific discussion with experts, country negotiators from the UN Framework Convention on Climate Change (e.g., Brazil), and a broad basis of interested stakeholders in the forest sector.
The BeWhere Model was also widely featured. The ecological-economic tradeoffs of renewable energy production and biodiversity conservation in the Alps, part of the work done under the recharge.green project was presented by Sabine Fuss.
Karthikeyan Natarajan of the University of Eastern Finland, Joensuu, presented the latest results on the BeWhere Finland model on the location of biomass-based bio-energy production plants in Finland, including where feedstock competition exists with forest industries.
International Union of Forestry Research Organizations (IUFRO)
Instituto de Pesquisa Econômica Aplicada (IPEA), Brazil
UN-World Conservation Monitoring Centre
University of Freiburg, Germany
University of Göttingen, Germany
University of Eastern Finland
International Boreal Forest Research Association
Russian Academy of Sciences, Sukachev Institute of Forest, Krasnoyarsk, Russia
Bandung Technology Institute, Indonesia
United Nations Framework Convention on Climate Change (UNFCC)
Research program
Recharge green
International Institute for Applied Systems Analysis (IIASA)
Schlossplatz 1, A-2361 Laxenburg, Austria
Phone: (+43 2236) 807 0 Fax:(+43 2236) 71 313


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Bulk Chlorella
Product Name:Bulk Chlorella(Food Grade)
Appearance: Green powder
Purity: 100% pure chlorella powder
Appearance:green fine powder.
Mesh Size:100% through 80 mesh
Test method:TLC
Certification: ISO, KOSHER, Halal, Organic;
Bulk stock in USA Warehouse
Chlorella powder has four grades: feed grade, food grade, health grade, pharmaceutical grade;
What is Bulk Chlorella?Bulk chlorella is a natural way to detoxify your body. Just as the color green symbolizes life, growth and energy, this amazing powder can help you enjoy a renewal of energy and provide you with numerous health benefits. Its subtle flavor resembles the taste of green tea. However, when added to smoothies, juice or other recipes, its flavor is barely detectable.
Bulk chlorella (Chlorella Pyrenoidosa) is an emerald green, single-celled freshwater algae that grows naturally in lakes and ponds. It is a true superfood, packed with nearly 10 times the healthy chlorophyll of similar greens like wheat grass, barley and alfalfa. Our organic chlorella powder contains a full balance of essential amino acids. Taking a chlorella supplement will even boost your daily intake of essential vitamins and minerals.
Basic Information:Product nameBulk Chlorella,chlorella bulkLatin nameChlorella vulgarisPlace of OriginLiaoning, Hebei, Shanxi, Jiangsu, Fujian in ChinaHarvest seasonEvery Spring and summerPart usedFrondExtraction TypeRaw material directly into powderActive IngrdientsProtein, thiamine, vitamin B2, B6, B12, nicotinamide, pantothenic acid, cholineGrowth temperature20-23℃Protein content60%Chlorophyll1%SynonymsChlorella pyrenoidosa Chick.;Chlorella vulgaris Beij.Test MethodNitrogenous methodBulk Chlorella Benefits:1. Helps Support The Body's Natural Detoxification ProcessClinical research indicates that chlorella bulk may help the body's natural detoxification process by helping to eliminate stressors we face every day from the food we eat to the environment we live in. Aiding natural detoxification can lead to improved overall wellness and happiness. After all, who doesn't feel happier with less stressors affecting their body?
2. Keeps Your Immune System Healthy Bulk chlorella has been shown to support your immune system in several ways. Nutrition researcher, Dr. Randall Merchant says, "The research I have been conducting at the Medical College of Virginia has convinced me that chlorella is clearly a powerful natural food you can take daily to support and enhance your immune system function." Help the natural functions of your body perform better with the aiding hand of chlorella.
3. May Support Brain Health Your brain needs B12 to stay healthy, and Active B12 is the only form of this vitamin your body can effectively use. Taking Chlorella as a daily supplement supplies Active B12 to your body and supports the nourishment your brain needs. This is especially important for those living a vegan or vegetarian lifestyle as Chlorella is one of the only plant-based sources of Active B12.
4. May Support Heart Health Vitamin B12 is also essential for heart health. Vitamin B12 is linked to healthy arteries and blood cell counts. Blood cells are vital to your health as they carry oxygen and nutrients to every part of your body. Not only that, but Chlorella supports heart health on multiple fronts. It's been linked to maintaining healthy cholesterol levels and healthy blood pressure levels, too. If you want help maintaining a healthy diet and support cholesterol levels already in normal range, chlorella might be what you're looking for.
5. Supports Joint Health In a clinical study involving women suffering from steady morning stiffness and achiness, chlorella bulk helped reduce intensity by 22%. One participant said, "I'm able to take really good walks now and I'm traveling better. I'm also not nearly as forgetful as I used to be. I'm sleeping somewhat better and I'm hopeful that I'll continue to improve daily." Chlorella could be the key factor in comforting your joints and easing your mornings.
6. Supports Your EnergyBulk chlorella helps boost your energy by giving you the nourishment you need to ensure your body can perform at its best.
To function properly and completely, your body needs constant maintenance and sustenance. Packed with useful vitamins and minerals, chlorella can assist you in obtaining all your essential nutrients. Give your body a little more of what it needs with chlorella.
7. Gives You Glowing, Healthy-looking SkinBombarded by environmental stressors, your skin has to constantly replace cells and renew itself. Chlorella's unique growth factor (CGF) supports healthy regeneration at the cellular level. When you combine this with its high level of protective antioxidants (including the skin's favorite, Vitamin A), people use it to support healthy looking skin. And packed with chlorophyll, another great antioxidant, chlorella can bring benefits to your skin that other products leave out. Show your skin some love by taking chlorella as a supplement.
8. Supports Eye Health With its carotenoids like beta-carotene and lutein, chlorella may help benefit your overall eye health.According to the American Optometric Association, recent studies recommend 10 mg of lutein per day to keep your eyes healthy. For every 3 grams of Sun Chlorella, you get 3 mg of lutein. Look to chlorella, because it just might help you look at everything else.
9. Supports A Healthy PregnancyBulk chlorella is not only safe for pregnant women, it's beneficial! In one small study, increased the level of immunoglobulin A in breast milk, a key immune molecule passed on from mother to child. All mothers want to do what's best for their children. Taking chlorella while pregnant can be a great start!
10. Supports Digestive SystemChlorella can help support a healthy digestive system. Taking 10 grams of chlorella a day has been shown in clinical research to help reduce occasional cramps, gas, bloating and diarrhea.In a small study, when students at Mimasake Women's College in Japan took chlorella bulk, they increased the frequency of bowel movements and improved the softness of their stools.Chlorella can aid the processes your body naturally goes through for digestion, helping you to feel healthier and happier throughout your day.
11. Promotes A Healthy LiverYour liver sequesters essential nutrients like B12, helps you metabolize fats and plays a key role in your body's natural detoxification process. So it's important to keep this organ healthy- and chlorella can help!
12. Cleans Teeth And GumsIn the 1950's the green clean of chlorophyll was all the rage. From mouthwash to surgical dressings, chlorophyll's cleaning power was used throughout the healthcare world. In a 9 month study at Boys Town in Nebraska, researchers found brushing with chlorophyll-laced toothpaste yielded remarkable improvements in all-around dental health – gums and teeth!No such clinical research has been done on chlorella specifically. But because chlorella is the world's richest plant source of this powerful pigment, chlorophyll, chewing on some chlorella tablets can most likely do your teeth and gums some good as well. Taking chlorella for any of its other amazing benefits may indirectly help your next dentist visit.
13. Supports Blood SugarIf you want additional support to maintain already normal blood sugar levels within the healthy range, chlorella can offer some peace of mind. A clinical study showed that chlorella intake of 800 mg per day resulted in noticeable reductions in fasting blood glucose levels! Help your normal blood sugar levels stay in their healthy range with the positive effects of chlorella.
Application:1.Applied in food field, it contains a lot of amino acids, vitamins, minerals and other nutrients, which can help body with better health care;2.Applied in pharmaceutical field, there are various forms existed, such as tablets, capsules and powder, these can prevent various of diseases;
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We specialize in chlorella bulk for several years, we supply products with competitive price, and our product is of the highest quality and undergoes strict, independent testing to ensure that it is safe for consumption around the world.Where to buy Bulk Chlorella?Just send email to firstname.lastname@example.com, or submit your requirement in bottom form, we are of service at any time!
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NAR's Federal Advocacy team has been working closely with Congress and the Administration to ensure the interests of REALTORS®, their families, consumers, and the entire real estate industry are protected in any federal action in response to COVID-19.
Congress has passed a $1.9 trillion coronavirus relief package known as the "American Rescue Plan of 2021" and the bill is expected to be signed by the President. Included in the package are several provisions that impact the real estate industry
Read more from NAR HERE


text: A while back I did a little experiment to see if reciprocity fuels the LinkedIn endorsements section – and my findings were that you won't get endorsements simply by endorsing others. However, my contemplation of this newer feature of LinkedIn didn't stop there. I asked myself, are the endorsements simply just garbage? Do they hold… Read More


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Bill Text | History of Actions | Background | Title |
Description: Health insurance policies; require coverage for colorectal cancer examinations.
Bill Text: [Introduced]
1 | 02/06 (S) Referred To Insurance;Appropriations | |
2 | 03/09 (S) Died In Committee |
Effective date | July 1, 2004 | |
Disposition | Dead | |
Deadline | General Bill/Constitutional Amendment | |
Revenue | No | |
Vote type required | Majority |
Senate Committees:
Principal Author: Williamson
Additional Authors: Dawkins, Chaney, Cuevas, Butler, Jordan, Wilemon, Morgan, Harden, Horhn
Code Section: A 025-0015-0009
Title: AN ACT TO REQUIRE THAT CERTAIN INSURANCE POLICIES AND CONTRACTS SHALL PROVIDE COVERAGE FOR ALL COLORECTAL CANCER EXAMINATIONS AND LABORATORY TESTS SPECIFIED IN CURRENT AMERICAN CANCER SOCIETY GUIDELINES FOR COLORECTAL CANCER SCREENING; TO AMEND SECTION 25-15-9, MISSISSIPPI CODE OF 1972, TO PROVIDE THAT THE STATE AND SCHOOL EMPLOYEES HEALTH INSURANCE PLAN SHALL INCLUDE COVERAGE FOR ALL COLORECTAL CANCER EXAMINATIONS AND LABORATORY TESTS SPECIFIED IN CURRENT GUIDELINES; AND FOR RELATED PURPOSES.
End Of Document


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Katyusha | ||||||
Katyusha (Катюша) is a song written in 1938 by Matvey Blanter and lyrics by Mikhail Isakovsky.
Tetris (X68)
Tetris (X68) | ||||||
The song plays when the player clears Stage 9 Height 4. However, a C minor version variant of the song plays when Height 5 is cleared.
The composer(s) arranged the music in OPMDRV.
Tetris: BPS (FC)
Tetris: BPS (FC) | ||||||||||||||
The song plays when the player clears Stage 9 Height 4. However, a C minor version variant of the song plays when Height 5 is cleared.
The song was arranged by Hisashi Yotsumoto and/or Hiroshi Taguchi of Goblin Sound, and input into Kazuya Takahashi's sound driver.
Tetris: Tengen (NES)
Tetris: Tengen (NES) | ||||||||||||||
The song plays after the player clears a certain number of stages.
The song was arranged by Brad Fuller using Music Macro Language in RPM.
Tetris (MSX2)
Tetris (MSX2) | ||||||||||||||
Super Dodge Ball (NES)
Super Dodge Ball (NES) | ||||||||||
The song plays, when you play against the USSR team.
The song was arranged by Kazuo Sawa using Michiya Hirasawa's sound driver.
- en.wikipedia.org/wiki/Katyusha_(song) - Wikipedia.
- Songs Composed By Matvey Blanter
- Song Titles With Official Origin
- Songs
- Songs With OPM Output
- Songs Arranged By Hisashi Yotsumoto
- Songs Arranged By Hiroshi Taguchi
- Tetris (X68)
- Songs With NES Output
- Tetris: BPS (FC)
- Songs Arranged By Brad Fuller
- Tetris: Tengen (NES)
- Songs With OPN Output
- Missing Screenshot
- Songs Arranged By Goblin Sound
- Tetris (MSX2)
- Songs Arranged By Kazuo Sawa
- Super Dodge Ball (NES)
- Non-Videogame Songs
- Songs With Lyrics
- Public Domain Songs


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Borussia Dortmund looked like they were going to leave this one with all three points, but instead come away with a disappointing 2-2 draw against Hertha Berlin.
Dortmund had the lead for most of the second half and looked like the better team throughout, but they were punished by poor finishing and a resurgent Hertha Berlin who refused to be awed by the attacking presence of their opponents. At least one or two of the misses by Rapha, Hakimi, or Bruun Larsen would've put this game to bed, but now our lead over Bayern Munich is only two points with tough matches against Union Berlin, Wolfsburg, Atletico, and Bayern on the horizon.
Jadon Sancho continues to have a stellar first half of the season, bagging two goals (would've been three had Reus not been offside by the slimmest margins to wipe out a saucy Sancho backheel goal). Sancho's first goal happened in the 27th minute, not long after that backheel goal was disallowed, thanks to a great throughball by Dahoud to Götze unlock the defense. The German, who I thought played very well today, passed the ball into a great position for Sancho, and the best Englishman in Germany slotted it home for the opening goal.
Dortmund's lead wouldn't last as a poor pass by Dahoud in the 41st minute was stolen by Berlin that eventually led to a goal by Salomon Kalou (remember that name). It was a poor giveaway by Dahoud, and it was poor of the defense to let Kalou get onto the ball like that and slot it just low enough to get under Bürki and equalize right before halftime.
Dortmund came out of the break and looked like a much more dangerous team. They maintained the majority of possession and had more than enough chances on net. The breakthrough would finally happen in the 61st minute when Dahoud laid off a nice pass into the box for Reus. Reus either missed a flick onto the goal or let it through his legs for an open Sancho, and the Englishman buried it for his second goal.
This is where it gets ugly. Dortmund had chance after chance after chance to put this game away with another goal, but for one reason or another they couldn't find the net. The misses that stand out to me are from Guerreiro with a one-on-one opportunity that should've been scored on, and then again later when JBL had a great look on target after a low cross from Reus, but the young Dane inexplicably blasted it wide. That one hurt the most, and the failure to score on that opportunity would come back to haunt BVB.
Berlin stepped up their attack late, having a number of chances that were either dispelled by the defense, saved by Bürki, or saved by Diallo's face. It looked like Dortmund would weather the storm and escape with a win until Zagadou (who had a great game until this point) dragged down David Selke inside the box after losing possession and his positioning. Kalou stepped up and sent Bürki the wrong way in the 89th minute to make it 2-2. Dortmund had their chances towards the end, but they couldn't get a look and came away with just one point.
This one really sucks. Dortmund were the better team for most of the match but failed to put away their chances and were rightfully punished. They'll need to regroup before they host Union Berlin, who currently sit fifth in the 2. Bundesliga, in the DFB-Pokal.


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International Exhaust
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Apple Store In Singapore Floats On Water, Glows Like A Lantern At Night
The COVID-19 pandemic has done some irreversible damage to people's lives. It has also severely affected businesses around the world. But it looks like Apple is completely unaffected as reports surface that it plans to open a new Apple Store in Singapore.
The Apple Store is completely state of the art that looks like a big round ball. This is also the first Apple store in the world that's floating above the water. The store has been officially named Apple Marina Bay Sands -- part of the popular Marina Bay Sands resort.
Reported first by Macrumors, the floating structure was actually occupied by a nightclub dubbed Avalon, which was part of the luxury resort on the Singaporean bay.
Apple's web page for the retail store says, "We will soon open the doors to our new store by the Bay. Apple Marina Bay Sands will be at the heart of creativity, a place we've made for you to capture your ideas and passions. It will be a space for you to explore, connect and create something new. We can't wait to see where your imagination takes you."
This store has also used a red Apple logo at the front, as opposed to the white that we have commonly seen. The logo shows the minimal depiction of the apple being submerged in the sea with the lines signifying waves.
During the daytime, this store looks like an odd space capsule Goku or Vegeta might travel in. However, as the sun goes down, the whole glass globe starts to glow with colourful LEDs that look truly mesmerizing. There are no images of the interiors of the store yet.
This is also Apple's third store in the South-East Asian nation of Singapore. Apple has one store that it recently opened at Orchard Road in the year 2017 as well as the Apple Jewel that was set up in the popular Changi Airport.


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National home prices continued to increase at a modest pace in July. While Los Angeles posted the strongest annual growth rate among the 19 metro areas, New York experienced a home price decline.
The S&P CoreLogic Case-Shiller U.S. National Home Price Index, reported by S&P Dow Jones Indices, rose at a seasonally adjusted annual growth rate of 4.7% in July, after a 1.8% increase in June. On a year-over-year basis, the S&P CoreLogic Case-Shiller U.S. National Home Price NSA Index posted a 4.8% annual gain in July, up from 4.3% in June. The increase in home prices is largely driven by the unbalanced supply and demand factors of the market. Existing home sales in July reported the largest monthly gain on record while the July unsold inventory represented a 3.1-month supply at the current sales rate, down from 3.9-month in June.
Meanwhile, the Home Price Index, released by the Federal Housing Finance Agency (FHFA), rose at a seasonally adjusted annual rate of 13.1% in July, following a 12.6% increase in June. On a year-over-year basis, the FHFA Home Price NSA Index rose by 6.4% in July, after an increase of 5.7% in June.
In addition to tracking home price changes nationwide, S&P reported home price indexes across 19 metro areas in July (Detroit metro area data was missing in July 2020 because there are not a sufficient number of records for the month of July for Detroit).
In July, local home prices varied and their annual growth rates ranged from -3.9% to 14.5%. Among all the 19 metro areas, 14 metro areas exceeded the national average of 4.7%. Los Angeles, Portland, Seattle and Boston had the highest home price appreciation. Los Angeles led the way with a 14.5% increase, followed by Portland with a 13.1% increase. Both Seattle and Boston increased by 11.6%. Home prices in New York declined by 3.9% in July.


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If you are looking for a functional yet aesthetic home, you will have to make smart decisions while choosing designs – and it is true for both residential and commercial spaces. When it comes to spaces, we often use on a daily basis, like bedrooms, bathrooms, living rooms, etc., finding a space-saving design becomes very important.
Are you looking for some space-saving ideas for your small bathroom? Take a look at these ideas.
Use of right material and illusion
When it comes to small bathrooms, the choice of material can make a big difference. If you have a glass or steel partition in the bathroom, you can remove it and replace it with shower curtains.
You can also install mirrors on the wall to make space look bigger. Often it is not the lack of space but the aesthetics that make space look bigger or smaller. Make sure you choose frameless mirrors for this idea.
Use the right colour palette
Choosing the right colour gives you the power to make your bathroom look as spacious or as confined as you want. If your bathroom is already small and has a tight space, consider using light colour palettes. Light colours are good for reflecting lights and making the rooms look spacious. You can choose pastel-coloured tiles and wall paints for adding a fun vibe to your bathroom.
[ Also Read: Living Room Decor for Beginners ]
Use proper lighting
When you have a small bathroom, never avoid any chance of brightening up space. Having ceiling lights is good, but you can also add bright mirror lights to lighten up the design and make it look larger and spacious.
It is even better if you have any windows that can throw natural light inside the bathroom. If not, maybe you can consider adding a suitably sized window during the next home renovation.
Use textures and patterns
Just like colour palettes, textures and patterns play a big role in visually impacting a space. It is said that large prints make your space look small and tight, while at the same time, using detailed or fine textures or patterns will create a sense of illusion of bigger space.
Choose tiles with fewer joints as it will prevent from holding dirt and also have a seamless view.
Fix the toilet and washbasin at the right place
Styles and choices of places where you fix your toilets and washbasins will help in creating a spacious vibe for your bathroom. For a washbasin, choose a place in the corner, or install a floating washbasin. Also, don't forget to choose a washbasin having curved corners.
Small bathrooms should always focus on a wall-mounted water closet.
Bedrooms and living rooms are not the only space where we need storage. Bathrooms, too, require various storage facilities for different kinds of cosmetics, toiletries, makeup, and whatnot!
You can add floating cabinets or hooks behind the doors for holding on storage items inside your bathroom.
By Montdor Interior – One of The Best Interior Designer in Ahmedabad


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- 1 How much money can you make on an acre of blueberries?
- 2 How many acres do you need for a blueberry farm?
- 3 Can you make money growing blueberries?
- 4 How many years does it take for a blueberry bush to produce fruit?
- 5 What is a good companion plant for blueberries?
- 6 What is a good price for blueberries?
- 7 How long does a blueberry plant live?
- 8 How many blueberries should I plant for a family of 4?
- 9 Is it difficult to grow blueberries?
- 10 Do blueberries need lots of sun?
- 11 How often should Blueberries be watered?
- 12 Where is the blueberry capital of the world?
- 13 Do I need 2 blueberry bushes to get fruit?
- 14 Where is the best place to plant a blueberry bush?
- 15 Do blueberry plants come back every year?
How much money can you make on an acre of blueberries?
How much can an acre of blueberries make a year? Once your blueberry bushes reach maturity they could produce from 5,000 to 20,000 pounds a year. If they all sold for $4.00 a pound this means that you could make anywhere from $20,000 to $80,000 an acre a year once they reach maturity.
How many acres do you need for a blueberry farm?
However, several of the berry crops [namely strawberries, blueberries, blackberries and raspberries) offer a unique opportunity for a small or average sized family (of four] to make a good supplemental income on two to five bearing acres.
Can you make money growing blueberries?
The United States Department of Agriculture says that a mature planting of blueberries can return as much as $3,000 per acre with correct marketing, management, and growing. Of course, the best choice for the small-farm grower with a good crop of blueberries is direct sales.
How many years does it take for a blueberry bush to produce fruit?
It can take three to four years before they will produce fruit. Blueberries also produce better if they are cross pollinated. This means that growing blueberry bushes of different varieties will help with their production.
What is a good companion plant for blueberries?
Plant blueberries near flowers like lilacs and azaleas. Lilacs attract pollinators and provide shade with its fragrant blossoms. Towering, lush rhododendrons and azaleas offer shade and attractive blossoms during particularly hot summers, and thrive best in the same hot, acidic environment as blueberries.
What is a good price for blueberries?
The average market price for fresh and processed wild blueberries was $0.60 per pound (NASS, 2015).
How long does a blueberry plant live?
How long do blueberry bushes typically live? With proper care and in the right environment, blueberry bushes live 50 years or more.
How many blueberries should I plant for a family of 4?
Plan on 3 dwarf plants for one person or for a family of four plant 3 standard plants.
Is it difficult to grow blueberries?
Blueberry bushes are easy to grow, disease resistant, and can live for 30 to 40 years. There are three main types of plant: lowbush, highbush and rabbiteye. Be sure to select a variety that is rated for your growing climate. When purchasing blueberries, select at least two varieties for cross-pollination.
Do blueberries need lots of sun?
Blueberry plants need full sun: Blueberries will tolerate partial shade, especially late in the day. Blueberries will grow in higher pH, but to achieve highest production, you will need to amend the soil around the plants.
How often should Blueberries be watered?
Water blueberry plants during the day. Keep the soil moist but not soggy. Give them at least 1″ per week during growing season and up to 4″ per week during fruit ripening. Keep the soil moist to a depth of 1″.
Where is the blueberry capital of the world?
Hammonton is the self-proclaimed " blueberry capital of the world," with 56 blueberry farms located in and around the town of about 14,000 people. Every year an estimated 6,000 migrant farmworkers, the majority from Mexico, Haiti, and across Central America, arrive at the farms for the eight-week harvest.
Do I need 2 blueberry bushes to get fruit?
Blueberry (Vaccinium corymbosum) bushes are self-pollinating to an extent, but grow larger fruit through cross-pollination by a second variety. Bees and wind help bushes to cross-pollinate, although the bushes need to be near each other to be productive.
Where is the best place to plant a blueberry bush?
Select a sunny, sheltered spot. While blueberries are tolerant of shade, better crops are obtained in the sun. At the same time, they should not be exposed to harsh, drying winds. Don't plant blueberries too close to trees, as the trees will not only block out sunlight, but will also suck up any moisture in the soil.
Do blueberry plants come back every year?
Episode 1: How to Plant Blueberries Unlike typical garden crops, blueberries are perennial shrubs, and once they mature, they will grow and produce fruit each season.


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Wellesley will hold a Special Election on Tuesday, December 7, 2021.
Voters will consider two questions for a debt exclusion to fund school construction projects at Hunnewell Elementary and Hardy Elementary Schools. See a sample of the ballot.
Property owners can use the Wellesley Tax Impact Estimator to help calculate the estimated maximum annual tax impact of these school construction projects.
The last day to request Vote-by-Mail ballots is Wednesday, December 1 at 5 p.m.
In-person voting will take place on December 7. Voters must wear masks; polls will be open from 7 a.m. to 8 p.m.
Please note: There are new voting locations for 2021.
See the voting locations map.
For detailed information about the school construction projects, visit the Hunnewell and Hardy Schools Project website.


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A new in vitro (test tube) study has investigated the potential probiotic benefits of a pear-enriched diet.
Researchers at North Dakota State University studied the compounds found in two pear varieties, Bartlett and Starkrimson, in order to better understand the impact of those compounds on chronic diseases.
The results suggest fermentation of these pear cultivars further enhances their ability to control stomach related diseases involving H. pylori, the most common chronic bacterial infection in humans, without affecting beneficial bacteria with probiotic potential.
Researcher Kalidas Shetty said that bacteria is often perceived as something that causes diseases; however, the body is full of bacteria that are mostly good and added that it's exciting to explore the potential that pears can have to balance beneficial bacterial activity in the digestive process, as gut health helps support overall health of the body.
The study found that Bartlett and Starkrimson pear varieties have compounds such as phenolics and antioxidants as well as activity that slow down enzymes related to starch and glucose metabolism, which relates to managing early stages of hyperglycemia and diabetes-induced hypertension.
Pears are among the most popular fruits in the world, and are an excellent source of fiber and a good source of vitamin C for only 100 calories per serving. One medium pear provides about 24 percent of daily fiber needs and, they are sodium-free, cholesterol-free, fat-free, and contain 190 mg of potassium.
An overall balanced diet rich in fruits and vegetables, including pears, provides micronutrients, vitamins, dietary fiber, potassium, antioxidants, and more.
The study appears in Food Research International.
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Ulster have released an injury update ahead of their interprovincial clash with Munster on Friday night at the Kingspan Stadium.
Darren Cave has returned ahead of schedule and is available for selection at the weekend, as is Robbie Diack who has missed the last few games as well.
Both Luke Marshall (knee) and Dan Tuohy (hip) received injuries in their respective matches at the weekend, but it is hoped that they will both be available for the game.
Stuart Olding (hip flexor) and Kieran Treadwell (ankle) are both rated as doubtful to face Munster.
However, there are several players who will miss out on the game this weekend, including Iain Henderson who was forced off at half-time against Exeter with a shoulder injury.
Locks Peter Browne and Alan O'Connor both picked up concussions against Exeter and are unavailable, as are Rodney Ah You (knee) and Ross Kane (facial laceration) at tighthead prop.
Mark Best (thumb) will also miss out due to an injury sustained during the A team's defeat to London Scottish at the weekend.
Chris Henry, Marcell Coetzee, Louis Ludik, Stuart McCloskey, Peter Nelson, Matthew Rea and Ricky Lutton remain on the injury list.


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EU Blacklist: Back to black
Leave a CommentEU blacklist – Introduction
On February 14, 2023, the Council of the European Union made changes to the list of countries that do not cooperate with the EU on tax matters.
This is called the "EU blacklist".
New additions to EU Blacklist
Four new countries were added to the list:
- British Virgin Islands,
- Costa Rica,
- Marshall Islands, and
- Russia.
With these additions, the EU blacklist list now has 16 countries on it. The other countries are as follows:
- American Samoa
- Anguilla
- Fiji
- Guam
- Palau
- Panama
- Samoa
- Trinidad and Tobago
- Turks and Caicos
- US Virgin Islands
- Vanuatu
The Council gave reasons for adding these countries.
Marshall Islands
For example, the Marshall Islands was added because they have a tax system that encourages businesses to move profits offshore without any real economic activity.
Costa Rica
Costa Rica was added because they do not provide enough information about tax matters, and they have tax policies that are considered harmful. Russia was added for the same reason.
The Bahamas was previously removed from the EU blacklist in 2018 but was added back in 2022 and remains on the list.
The new list will be officially published in the Official Journal of the EU, and the next revision will take place in October 2023.
If you have any queries relating to the EU Blacklist or tax matters more generally, then please do not hesitate to get in touch.
The content of this article is provided for educational and information purposes only. It is not intended, and should not be construed, as tax or legal advice. We recommend you seek formal tax and legal advice before taking, or refraining from, any action based on the contents of this article.


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VOD film review: Super 8
Review Overview
7James R | On 30, Jul 2013
Director: J.J. Abrams
Cast: Joel Courtney, Zach Mills, Kyle Chandler, Elle Fanning, Gabriel Basso, Ryan Lee, Riley Griffiths
Certificate: 12
If recent sci-fi flicks have taught us anything, it's that adults haven't the foggiest idea how to handle an alien invasion. Kids, on the other hand, have got it covered. And J.J. Abrams knows it. Like E.T., Super 8 sticks to the young'uns perspective, giving everything a nice 80s vibe. There are model trains and Sony Walkmans – if your geeky inner child made a movie, Super 8 would probably be it.
Abrams' inner child is clearly having a ball. We start off following Joe Lamb (Courtney), a kid who spends his time sneaking out of the house to help his friend Charles (Griffiths) finish his movie. But while they're filming a scene at the station, a train blows up, bringing with it bumps in the night, disappearing dogs and a massive military invasion.
It's exactly the kind of thing that you'd expect from a monster movie. And so Charles starts shooting his zombie adventure with the army forces in the background. "Production value!" he shouts, as tanks roar past their Super 8 camera. Meanwhile, Abrams runs around off-screen making sure everything's as post-modern as possible. The result? A screenplay that looks like a multi-storey car park.
It's most obvious when we watch the scene where Martin (Basso) and Alice (Fanning) pretend to fall in love, while (shock, horror) Joe and Alice actually fall in love in real life. Whoah. Now that's meta-filmmaking.
The problem with Abrams' post-modern approach is that it encourages you to deconstruct everything. And yet despite being so self-aware, Super 8 is never less than engaging. The main reason for that is the superb acting. The cast are uniformly excellent, and the kids nail that amateur movie-making vibe: "I wouldn't help you if it wasn't for our time in Vietnam together," says Joe to Martin, putting on a false moustache and a deep voice. "I'd rather not talk about it," comes the squeaky reply.
Out of the adults, Kyle Chandler's concerned dad anchors the movie within the movie, but the standout star is undoubtedly Elle Fanning. An actor who can pretend to act while still being good at acting? Her star is going places. She even makes for a convincing zombie.
It all thunders along in Abrams' usual fashion, complete with several unnecessary explosions, but the visuals are pristinely rendered; when it looks this good, it seems silly to complain about the self-indulgent train crash lasting too long, or the fact that the entire film is essentially building up to one giant lens flare.
If only Abrams didn't indulge his script quite so much. Trying to give every character a moment of resolution, some subplots feel rushed – unrequited love and long-held feuds are tied up in under a minute. But if it's a case of ticking boxes on a spreadsheet, at least they're ticked in earnest. Super 8 is clearly a personal project for both producer Steven Spielberg and the Star Trek director. And in the world of big-budget sci-fi blockbusters, they don't come along very often.


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David Andahl
David Andahl was 55 years old and passed away on October 5th this year due to complications from Covid-19.
After his death, David won the North Dakota state during the November 2020 US election, he was hospitalized after contracting Covid-19 during his campaign drive but his parents Mr. Andahl's parents Pat and Ron Andahl confirmed their son had died after a brief battle with the virus last month.
However, there was no way of removing his name from the ballot for Tuesday's election. Now, he won a seat in the state legislature after a month he died from Covid-19.
Who is David Andahl?
He was running for election to the North Dakota House of Representatives at the 2020 US Presidential election representing Republicans as a part of the Donald Trump 2020 presidential campaign.
On October 5th, David passed away but he was not replaced on the ballot because his death was too close to the election and mail-in ballots had already been sent to voters.
Before he died, David won a heated primary with an incumbent committee chairman. Sen. Kevin Cramer (R-N.D.) had endorsed the Bismarck rancher, saying, "we need more Trump Republicans in the State Legislature."
But who will replace David Andahl lies with the Republican party, which will assemble a committee for the purpose, although there may also be calls for a special election to be held.
Talking about his education, he graduated from Century High School in Bismarck in 1983, received an associate degree from Bismarck State College, and studied animal science at North Dakota State University.
David is a successful rancher and land developer, serving as a partner and general manager of 4T Ranch, located north of Bismarck. Furthermore, the ranch, which is primarily a cattle and custom hay operation, has been in the Andahl family for three generations and serves as a lasting legacy of the Andahls' investment in North Dakota.
Besides this, he served 16 years on the Burleigh County Planning & Zoning Commission, including eight years as chair of the commission during a time of rapid growth and change for the region.
David spent time as a successful motor racing driver and after his retirement, he even worked as a contractor, where he served as trainer and driving coach for automobile manufacturers and organizations around the country.
On his website, David quoted "Now's the time for conservatives to lead North Dakota into the future, with a focus on strengthening the economy and making government more efficient and effective. My background in agriculture and business as well as the local government will bring a much-needed perspective to the legislature."
How old was David Andahl? He was born on October 30, 1964, and from Bismarck, USA, he was 55 years old during the time of his death.
A native of Bismarck, North Dakota, David Andahl has spent his life investing in his community and promoting his passion for his home state.
He was born to Pat and Ron Andahl, David also has a sister named Darcy.
in an interview with Bismarck Tribune his mother Pat told that she had "no idea" how her son contracted the coronavirus, saying he had been "very careful" amid the pandemic.
Later, she added "He had a lot of feelings for his county and his country and wanting to make things better, and his heart was in farming. He wanted things better for farmers and the coal industry."
Ron concluded the statement "So many things he was very passionate about and was hoping that he could get into the Legislature and be of some help. He was looking forward to it."
However, there is not much information about his wife but has a son Charles (Tia) Lacy.


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By Mark Roper, Commercial Director – Collinson Group
It wasn't all that long ago that a bank manager was more than a person who ran a branch. They were financial advisors, mortgage brokers and trusted confidants. They held a personal relationship with their customers– they would be consulted by customers on many important life decisions from funding weddings,purchasing a car, planning for children or buying a home. Then, over time, the branch manager transitioned to more of a salesperson than an advisor. The personal relationship customers once held with their bank has been reduced even further through the rise of digital banking –although it has given customers more flexibility in how they engage. While a seamless digital experience is vital for a modern bank, customers still appreciate that human touch, and it remains key to forming relationships with customers and building loyalty. This presents an opportunity for banks that can strike the right balance between delivering great digital experiences and being a trusted advisor again. For this to occur, banks need to shift their focus from product-based, transactional interactions, to a model that is more customer centric.
In the last year alone, more than 600 bank branches were closed in the UK[1]. Branch closures are not just a trend in the UK, in the US the number of bank branches has reduced by six percent since 2009, and is now at the lowest level in more than a decade[2].The decline of the branch is being driven by increased demand for digital services, and improvements to online banking platforms. It is understood that banks need to harness the power of these digital tools to offer more personalised service and build customer engagement. But, now they need to put the customer at the heart of everything they do – designing and offering products and services around the customer need, not products and banking infrastructure. With reduced interchange fees impacting revenues and thus the ability for credit cards to offer rewards as they may have in the past, and emerging new ventures disrupting the market, banks must change to meet customer expectations or risk reduced customer engagement and even custom.
Being customer centric is not just about listening to how customers want to interact with you, it's about recognising what they value beyond your products and services, so you can identify the total worth of the brand-customer relationship.Many fintech firms disrupting the sector have built their businesses from an end-user's perspective rather than a product perspective. This is what gives them their competitive advantage.
Customers now expect to have an experience tailored to their individual needs. Our global study of more than 6,000 affluent middle class customers found that over half (56 percent) feel more loyal towards brands that know who they are and treat them differently and nearly three in five expect their bank to proactively offer products and services that meet their needs. Furthermore, the research found 65 percent of bank customers expect to be rewarded for staying, and 67 percent actively want a choice of rewards and benefits to best suit their tastes and interests.
Banks have the potential to use data to both improve the customer experience and to build a more personal and emotional relationship. Financial service organisations can use customer insights to become a customer's 'financial friend' and trusted advisor. For example, banks could analyse spending behaviour to identify key moments in a customer's life such as getting married, starting a family, or booking an extravagant holiday. Data collection and analysis—at transactional, behavioural, and attitudinal levels—is what drives this insight and creates opportunity,and should be better used to deliver tailored offers and services that customers truly value.
To seize this opportunity, banks must offer solutions that help serve customers broader lifestyle needs.When polled, 72 percent of global affluent middle class customers highly value health insurance, 66 percent travel insurance and 63 percent lost cards assistance. Indeed, all of the following services were rated highly valued by over half the 6000+ respondents: motor breakdown recovery, identity theft protection, discounts or offers with partner retailers, purchase protection insurance, SOS travel assistance, home emergency/boiler cover, and airport lounge access.
Customer demand for these additional services creates an opportunity to build bank wide loyalty and significantly improve both customer value perception and the customer experience. Research indicates that customers would value a one-stop-shop for all their financial services products, rather than spreading their current account, home insurance, mortgage provider. But currently, there is no incentive for them to do so. Byanalysing customer data to capitalise on key life events and providing relevant, tailored offers off the back of this insight,banks can deliver incentives to encourage multi product purchases. The end result is bank wide loyalty, engaged customers and increased profit.
Focusing on customer needs as central to business strategy brings the 'human' touch back to the banking relationship, even across digital channels. However, for this to work successfully, banks would benefit from collaboration with partners,and by adopting an open API approach to facilitate greater levels of data enhancement. By aggregating their own data with that from third parties, brands can paint a picture of their customers across multiple touch-points. This would include granular detail about unique customer journeys, preferences and behaviour to deliver relevant and seamless customer servicing and experiences on digital channels and others.
Ultimately, financial service organisations need to set very clear goals and objectives for customer engagement and align their investment against these to build functionality that facilitates key customer actions effortlessly. Be this repeat purchases, purchasing of additional services, or accessing incentives and rewards – the experience should make the customer feel in control.In most organisations this requires an organisational shift to better align processes and resources,and to better connect marketing and customer service departments. While this sounds challenging, there is a significant pay off for those that get it right.We are seeing this happen already in growing markets with high levels of wealth. In the UAE,bank-wide loyalty initiatives are driving increased customer satisfaction, and increased engagement. Our research into the UAE affluent middle class found that participation in bank loyalty programmes increased 56 percent in the past year.
Once banks reward, incentivise and engage customers, it becomes easier to cross-sell other products and services. This could include savings and loans to protection and experience products. A single customer view lays the foundation for bank-wide loyalty initiatives to be developed and funded—something that will drive incremental revenue for the sector and allow customers to be invested both emotionally and tangibly in their bank.
The rapid increase in demand for digital services provides financial services brands the opportunity to develop deeper meaningful relationships with customers by optimising and integrating data, interactions and offerings. The provision of more self-selected and tailored products and services, could herald a new era for the role banks play in the lives of consumers now and in the future. The bank of me may not be that far away after all.
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Episode 333 – Cleaning Up, Hopefully With Some Asks Answered
In this weeks episode, we've got our own batch of drama to ring out October, and a few stories to start off our November focus on relationships and folklore. Up first is our chilling send off from October, The Deca Tapes. Those of you who like some drama and psychological thrills in their mysteries may already be familiar with this eight-part series from creator Lex Noteboom. The Deca Tapes revolves around a set of tapes that have been leaked to the public, all recorded by a group of ten people that have confined together in some unknown place. Each recording is a personal entry ofRead More →


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Watts, William (1809-1886)
Early Years
William was born on 29 September 1809 at Bedminster, Somerset. His parents were Wesleyans and had a comfortable income. As a result William was well educated for the time. When aged about 17, he connected with a Wesleyan society in Bristol and became a local preacher. When two PM Missionaries came to Bristol in 1833 (S West and S Turner) William and his father provided hospitality. William started to assist the PM Missionaries as well as carrying out his Wesleyan commitments. After some months, and acrimonious discussions with the Wesleyans, William joined the Primtive Methodists. The two missionaries recognised his usefulness and recommended William to the Brinkworth circuit as an itinerant minister.
Williams first year in Kidderminster was particularly difficult. The station had not funds to pay him and suggested hospitality following the 'American Plan' albeit staying with people for one day at a time instead of a month. This meant that on many occasions he went without food.
William's obituary records; 'He was of a cheerful and peaceable disposition, and when opposed by men of the baser sort, as he frequently was, he would speak to them kindly and try to allay their irritation and overcome their hostile feelings, by speaking soft and soothing words to them, believing with Solomon that a soft answer would turn away wrath.'
William was married to Elizabeth Cook (1805-1876) on 11 July 1838 at St James, Bristol, Gloucestershire. Census returns identify three children.
- Nathaniel (1839-1914) – a PM Minister
- Priscilla (1840-1906) – married Isaac Rains Barnsley, a PM Minister
- Cornelius (1843-1920)
William married Ellen Bursnall, nee George (1843-1919) in mid-1879 at Melton Mowbray. Census returns identify one son.
- Theophilus (1880-1973) – a colliery book-keeper in 1911
William died on 3 May 1886 at Ecclesfield, Yorkshire.
- 1835 Darlaston
- 1837 Kidderminster
- 1839 Bishops Castle
- 1841 Birmingham E
- 1844 Nottingham
- 1846 Horncastle
- 1849 Sleaford
- 1850 Rugby
- 1852 Rotherham
- 1854 Sleaford
- 1855 Winster
- 1858 Donington
- 1860 Melton Mowbray
- 1862 Hinckley
- 1865 Winster
- 1868 Eakring
- 1871 Bottesford
- 1873 Melton Mowbray
- 1876 Melton Mowbray (S)
- 1880 Sheffield ll
Primitive Methodist Magazine 1859/449; 1886/563
PM Minutes 1886/17
W Leary, Directory of Primitive Methodist Ministers and their Circuits, 1990
Census Returns and Births, Marriages & Deaths Registers


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Of the spheres
Of the Spheres is a series of outdoor immersive performances investigating how human beings relate to the vast time durations and massive scale of the universe. The Summer Solstice marks the next phase of Of the Spheres with an immersive project at the Crawick Multiverse, a cosmic sculpture park inspired by contemporary space science in rural Scotland created by Charles Jencks.
We have made workshops with the pupils of Sanquhar Academy. The students have devised their own stories of the land in workshops with a team from the Multiverse as part of the project's focus on Sharing your Sphere : inviting individuals to tell their own stories of their land through panoramas.
This project culminates with an outdoor Virtual Reality performance for the land art site the Crawick Multiverse in Scotland, UK. These performances invite audiences out onto the land in a participatory communication experiment that combines Virtual Reality and touch. This phase – named Terra Incognita – is as an outdoor Mixed Reality adventure in going beyond the personal sphere of experience to say hello to the unknown.
The Of the Spheres project is focused on how emerging technologies provide new modes for artfully experiencing
In 2013 the Heliosphere performance ran in a 360 degree Projection Dome.
Created by Kate Genevieve
Artists Assistant: Elly Novick
Animation: Christian Krupa
Sound Design: Toby Gifford and Kate Genevieve
Sonic Spatialisation: Kinicho
Art and Development Director, Crawick Multiverse: Clara Courtauld
Archive Producer: John Warburton
Runic Typeface: Mille Kruse Thomey Damgaard
Debz Mac Dowel
Ian Bell and Crawick Artland Trust
NASA / Jet Propulsion Laboratory
Atlantic Centre for the Arts
Phoenix Gallery
Learn more about the ideas and technologies behind using bio sensors in installation and performance work.
Green Room, Phoenix Gallery
The artists will talk about the questions and research behind Of the Spheres and the open call out for publicly created content.


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Muskogee, OK – The Muskogee Police Department has released bodycam footage that captured the moment a wanted fugitive pulled out a handgun while he was being arrested inside an Oklahoma bar (video below).
The incident occurred at the I Don't Care Bar and Grill at approximately 2 p.m. on Nov. 12, after police received a report that a suspect with several outstanding warrants was inside the establishment, KFOR reported.
Andrew Richard Kana, 36, was wanted for domestic assault by strangulation, and also had three warrants out of Idaho for possessing a firearm after a felony conviction, domestic assault in the presence of a child, and assault and battery with a dangerous weapon, the Muskogee Phoenix reported.
Kana had additional charges pending in Payne County, Oklahoma for offenses of domestic assault and battery in the presence of minor children and carrying a concealed weapon, both of which were scheduled to go to trial early next year.
According to Tulsa World, the caller told dispatchers that Kana was in the restaurant with his ex-wife, who was the victim of the alleged strangulation offense.
Bodycam footage showed one of the officers as he raced into the restaurant to assist Muskogee Police Officer Ron Yates, who was holding onto a pair of handcuffs attached to Kana's left wrist.
Officer Yates, who was holding Kana at gunpoint, told him to relax and was attempting to convince the suspect to surrender peacefully, KFOR reported.
"Sgt. Yates tried to persuade Kana to come outside peacefully," Muskogee Police Officer Lincoln Anderson said in a press release, according to Tulsa World. "Kana stated, 'You're going to have to take me out.'"
Kana refused to surrender, and began to reach for a handgun.
"Don't do it!" Officer Yates ordered. "Show me your hands!"
He then alerted his fellow officers that the suspect was armed, and rapidly fired three shots at Kana, the video showed.
The armed felon immediately fell to the floor.
"He's got a gun, he's got a gun," Officer Yates said, as another officer rolled Kana onto his stomach.
Kana was pronounced dead at the scene, and his .380 caliber handgun was recovered from beneath the table where he collapsed, Tulsa World reported.
Investigators also located a magazine inside the gunman's pocket during a pat down.
"I went in and he had this look on his face … I couldn't see his hand," Officer Yates said later in the video, according to Tulsa World. "I kept telling him 'let's don't have a problem here, let's don't have a problem.'"
The veteran officer was visibly upset after the incident, KFOR reported.
"I just didn't want to ever have to shoot anybody, chief," he said through tears in the parking lot, according to the news outlet.
In addition to his outstanding warrants and pending cases, Kana had previously been convicted of possession of a firearm after a felony conviction, robbery with a dangerous weapon, child abuse by injury, and assault and battery with a dangerous weapon, the Muskogee Phoenix reported.
Officer Yates and two other Muskogee police officer have been placed on paid administrative leave pending the outcome of the internal investigation.
You can watch bodycam footage of the officers' encounter with Kana in the video below:


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Visits: 98
Last year continued fashion's new leaning towards fun—dresses were splashed with bright colours and vivid prints, while accessories consisted largely of the faux fur and embellished variety. That doesn't mean, however, that minimalism is out—in fact, this year the pared-back mood is proving more palpable than ever.
Instead of shopping frivolously and buying into every trend that surfaces, countless influencers have put their wardrobes back to factory settings, vowing to only buy classic pieces that'll stand the test of time. The likes of Acne Studios and Jil Sander have long reigned in this remit, but thanks to a handful of high-street brands, minimal fashion that's affordable and holds up in the quality stakes is significantly easier to come by.
From COS, Arket and Weekday, keep scrolling to discover the best minimal shopping that'll make any exposed hanging rail look chic, from as little as £7.


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Always Hope for the Best !
We are flying through this year. Every Monday, I tell the redhead, "Hang on. This week will be exciting, and it is."
I'm working with a book designer in Rapid City to convert the Terry the Tramp book onto Amazon books files.
Already started making shit in the garage. This is an effort to organize and find spots for all my shit. It is going to be a test in patience and organization.
We are grappling with positioning and bolting down our new Smithy Lathe. We put it in on the counter with skidster forks, but it needs positioning.
I'm working with Atomic Bob and Andy, of Crank and Stroker apparel for our Bonneville T-shirts.
Hang on for more reports, but in the meantime ride fast and free, goddammit.
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lips whipping quips that bounce off ceilings, chilling in the worst way, hearts unwilling. beers eaten, drunkards pilling. all alone in the heat of embattled embittered wife tale wise tale tall tale frail freaky weak bizarre ideals leaking juice from the broken stud-snapping cv axle boots of lifelong magnitude. chill thrills without frills, killing as murderous dudes do, murder dude. caffeine hitting with mary jane bowls beside raising rising heart rates like high tide by oceanside, mist rising in the halloween october tear of broken dreams breaking in fractured glass factories bereaved. petty polly whispering with grins on molly, dancing for her own eyes beside two dozen crummy scummy random unknown known knowing ungrowing guys, blithe and blasé beside, teeth broken from own lifelong grim demonic grins, rancid shit breath beguiling little women in sultry plur dress, at best vestless, showing chest, a generation at rest in restlessness. dogs barking outside while we so do inside, sewing lies together with truth in magnitudal fracturous latitude embarkations to belowground hellish spaces and back up to see the light and grass as we walk into work at a quarter past.
a blast, servitude with silver chains, intent and will soft as our jarred up brains, armies descending to level splayed wage-slave contemplations in higher tunes like dog whistles whistling as bullets past heads held high, cavitation gusts removing stiff upper lips like african warchild kids on meth and heroine shooting frantic 7.62, farmers devested and molested but little allowed to be restarted or restored. guns barking in detroit-copy cities- i can hear it in the falsified news industry stories at 10 o'clock and so beyond, glocks popping as blood fireworks in the night, no flash of light, no sign of life– just right, double tapped, tapped, ratchet mechanics coming and coming back in black, to greet the waiting silent dead as patiently as they saw their departing. expectedly unexpecting nothing with welts built up and running thru streets like memories paced in cycles thru minds that won't give ground and speak in angry mime movements in unwalked streets.
forget, oublié, oblique, obstrusive, a sneak, a spy in the midst of life, bound by platinum ring in octagon ring of mixed marital battle battalions of modern dominance struggle strife, finding happiness in antithesis of life, wading gainst stream, memes speaking louder than speech, messengers louder than letters, baggage heavier than letters, carried on at face value booked and tweeten bird wings like peaceless government doves with stained white gloves, some mickey mouse shit said aloud and spread loudly like the viruses masses dealt, have been, has been, nothing, won't be, nothing, lonely, alone, rolling blows breaking bones slowly, ten years work in five years of punctual reality punches leaving lowly mankind in crutches of their own construction and device, lovely, honey, sweet, a land of milk and it for eagles to devour mice ruminating in nations of no one native earthlander's devices, gripped in unholy vices by the patterns of past lives lived lively till early death and laid in dusty dirt to rest. God Bless!!!


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Lord Krishna is one of the major Gods of Hinduism. He is considered as the 9th Incarnation of Lord Vishnu, one of the supreme 3 Gods of Hindu pantheon.
Lord Krishna was the central figure of Mahabharata. He was the charioteer of Arjuna in the war of Mahabharata. He is known as Gopala (protector of cows) and Govinda (god of cows).
He was born in Mathura. His real father was Vasudeva and real mother was Devaki. However due to certain situations, he was raised in the house of Nanda and Yashoda.
Due to his black complexion, he was known as Kanha, Krishna or Shyam, all of which mean black colored. He is popularly known for his Bhagavad Gita.
He told the Bhagavad Gita to Arjuna in the battlefields of Kurukshetra just before the war was going to start. His Bhagavad Gita is the most sacred book of Hinduism. The points and facts which are written in Gita prove to be true even in today's time.
In this blog post, I will give you 5 Interesting Facts about Krishna. We have already written a post on 8 Valuable life lessons from Krishna. You can check it.
5 Interesting facts about Lord Krishna
Krishna's heart is still alive even today!
In the Jagannath temple of Puri, it is believed that the heart of Lord Krishna is placed in the Idols of Lord Jagannath. According to the scriptures, when the funeral of Krishna was being done, the heart was not burnt. After that Krishna instructed Arjuna in his dream to throw his heart in a river. The heart turned into a blue diamond. This blue diamond was later found by King Indradyumna who put it in the Idols of Lord Jagannath. We have written a post on this, you can read here.
Draupadi and Eklavya were siblings of Krishna
Draupadi belonged to Chandravanshi Yadava Clan. Like this, Draupadi is said to be the sister of Lord Krishna. While Eklavya was the son of Devashru who was the brother of Vasudeva (father of Krishna). So Eklavya was the cousin brother of Lord Krishna.
Lord Krishna has 108 names and was the master of 16 skills
Lord Krishna is already known by many names. But in total, he has 108 names and he was the master of 16 skills. Even Lord Rama was master of only 12 skills. Due to this reason, Lord Krishna is known as Purnavtara or the complete incarnation of Lord Vishnu. Hari, Shyam, Kanha, Banke Bihari, Vitthala, Dwarakadhish are some of his names.
Lord Krishna was black in complexion not blue!
Many people think that Krishna was of blue color, which is obvious as he is shown in blue color in many images, temples etc. But this is not the truth. Actually Krishna was of dark black color. But due to his powerful and magnetic aura, Krishna appeared to be blue in color.
Krishna's whole clan was destroyed in Mahabharata itself
After the war, Gandhari had given Krishna a curse that his whole clan will be destroyed in 36 years. This was because she was in grief after knowing that all the Kauravas died in the war. This led to anger in her and she gave him a curse. Due to this, his city, Dwarka, was also submerged in sea.


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- The dollar hit its lowest point since April 2018, pressured by investors pushing back into risk assets as COVID-19 vaccines reach the general population.
- The dollar index is set for its biggest fourth-quarter slide since 2003, having lost 4% so far.
- Major investment banks, economists and asset managers are predicting further weakening of the US currency going into 2021.
- Visit Business Insider's homepage for more stories.
As COVID vaccines roll out and a long-awaited US economic aid package looks increasingly likely, investors are piling into the kinds of assets that do well when times are good - and that's not the US dollar.
The dollar has fallen by nearly 4% so far in the fourth quarter, its weakest performance in the final three months of the year since a 6.4% loss in the fourth quarter of 2003, and the losses look unlikely to slow any time soon.
"After a substantial multiyear rally, the US dollar appears rich versus other alternative "safe haven" currencies such as the euro and yen, which have become increasingly attractive," PIMCO said recently in its annual outlook.
In the darkest days of the coronavirus crisis back in March, when investors were ditching stocks, commodities, cryptocurrencies and even some fixed-income assets in droves, the dollar emerged as a life raft to which many clung when economic, social, and financial uncertainty was at fever-pitch.
Since then, thanks to the trillions of dollars in monetary and fiscal support from the Federal Reserve and the US government, the currency has fallen by over 16%, depressed by a combination of low interest rates that undermine its yield-appeal to foreign investors, as well as renewed risk appetite more broadly.
The greenback has lost around 6.5% against a basket of major currencies over the course of 2020, racking up a loss against every developed market currency, and now trades around its lowest since April 2018.
Where the dollar has outperformed has been against some of the hardest-hit major emerging-market currencies. In 2020, the dollar has gained 26% against the Brazilian real, nearly 20% over the Russian ruble, and 5% over the Mexican peso.
In terms of returns, anyone selling the dollar would have netted the best return against the Swedish krona, with a spot return of 12.14% year to date, followed by the Swiss franc - a traditional safe-haven currency - with a return of 9.5%, according to data from Bloomberg.
With vaccines beginning to reach the general public, the economic outlook has brightened considerably, leaving the prospects for the dollar looking even weaker, according to some of the world's biggest investors, banks and prominent economists.
"A rapid recovery in the global economy should weigh on the "safe haven" Dollar, even if the US economy performs well," Goldman Sachs analysts, led by Zach Pandl, wrote in a 2021 preview last month.
"Robust global growth tends to boost the currencies of commodity exporters, emerging markets, and the economies most geared to global trade, and tends to weaken the dollar," Goldman said.
Economist Stephen Roach, once a former chairman of Morgan Stanley Asia, back in September repeated his call for the dollar to depreciate sharply, based on the size of the US current account deficit, as well as the low national savings rate. In June this year, he said he expected a 35% crash in the value of the currency. The dollar index has fallen 14% since then.
"Lacking in saving and wanting to grow, we run these current-account deficits to borrow surplus saving, and that always pushes the currencies lower," Roach said. "And the dollar is not immune to that time-honored adjustment."