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Building a Diversified Portfolio for the Long-Term – Part II
This century is unlike the past one for investors
May 2022. Reading Time: 10 Minutes. Author: Nicolas Rabener.
- Most investors have portfolios that are ill-equipped for the long-term
- Negative demographics will lead to significant changes in the economy and society
- These changes are happening at a glacial pace, but they are happening
One of the core challenges of investing is escaping the constant fog of war that creeps upon us when following the ups and downs of markets and the economy. The long-term goal should be crystal clear for most investors: achieve positive real returns. Ideally with relatively low volatility on the portfolio level as we can't stomach large drawdowns.
The issue is that the financial world, especially the media, is focused on the short, rather than the long term. The irony is that it is much more difficult to invest for the former than the latter. It is almost impossible to predict the return for the S&P 500 for the next 12 months, even if every strategist on Wall Street has made a forecast for exactly this. In contrast, stock market returns are a function of valuations in the long term, so there is a lower probability of being wrong when calculating the approximate return for the S&P 500 for the next 10 years.
Clarity of mind and discipline are essential traits for successful long-term investing. However, it is also critical to retain the flexibility to realize when the world is changing structurally, even if this is happening only at a glacial pace.
We recently outlined a portfolio for the long-term as the world is evolving, and will continue to explore this further in this article.
Related research: Building a Diversified Portfolio for the Long-Term
Ultimately, investing is largely a bet on economic growth. If the economy is booming, then earnings and valuations tend to increase, which benefits stocks, private companies, startups, and real estate markets. Even bonds benefit given lower default risk.
However, economic growth largely relies on productivity increases, which have been scarce over the last decade, and the growth of the working population. The outlook for the latter is not particularly positive as most developed and many emerging markets are already experiencing shrinking populations. For example, China will be losing close to 400 million people over the next 80 years. It is difficult to see how this will be anything but catastrophic for its economy or capital markets, especially given the high public indebtedness.
Capitalism, or at least large parts of the financial system, can be viewed as a Ponzi scheme that relies on continuous economic growth. Short-term crises can be managed via fiscal or monetary policy, but long-term negative GDP growth is challenging for the entire system.
Naturally, some countries will experience population growth, but these are largely African nations that have little importance to the global economy. Comparing the economic performance of Africa to Asia over the last few decades, it is difficult to believe that Africa will become the economic powerhouse for this century.
Related research: Aging & Equities: Selling Stocks for the Long-Term
Source: UN, FactorResearch
Although the demographic changes are occurring extremely slowly for fast-paced investors, they are happening. There is also more downside than upside to these forecasts given that the fertility rate has fallen much faster than expected in many countries, but does not jump upwards. People do not easily go from having two to four children.
The relationship between equities and demographics is quite simple: investors prefer stocks when young and in middle age, but then switch to bonds when nearing and entering retirement.
Although the US is one of the few developed countries where the population is expected to increase, the ratio of middle to old-aged persons will decrease, which should reflect in declining equity valuations in the coming decades.
Source: UN, FactorResearch
Given the negative demographics, economic growth will be much lower or negative in the coming decades. Naturally, there will still be economic cycles, but the upside is capped. Market and economic volatility will be higher as there will be more shocks to the global financial system.
Partially this is due to many countries being highly leveraged, which will have to undergo painful debt restructurings. Japan is a prime candidate given debt-to-GDP of larger than 200% and a population that will shrink from 125 to 75 million between 2020 and 2100. Central banks might prolong such events for a time, but can't compensate for such large population (investor) losses.
The majority of portfolios are ill-equipped for this long-term outlook as they are heavily biased toward positive economic growth, which can also be called being short volatility. A more sound long-term portfolio is balanced between long and short volatility exposure.
Related research: Creating Anti-Fragile Portfolios
Source: FactorResearch
Creating a long-term portfolio that is less biased toward positive economic growth is not as complicated as it seems. The short volatility component can be achieved via an ETF that provides exposure to the US or global stock market. Although it is tempting to allocate to private equity, venture capital, or real estate, these asset classes are all equity proxies and do not provide any useful diversification benefits.
Related research:
Private Equity: Fooling Some People All the Time?
Private Equity: The Emperor Has No Clothes
Venture Capital: Worth Venturing Into?
Bonds have become less attractive given low yields, and will become even less attractive as the impact of negative demographics, ie a lack of new investors, will increase the default rates in coming decades.
Related research:
No Longer Superheroes? The Twilight of Bonds
Bonds & the Invisible Thief
60/40 Portfolios Without Bonds
Adding strategies that are neither long nor short volatility is sensible, where trend following strategies are an obvious choice. There will always be trends, regardless of the economic environment, and exploiting these systematically is attractive. Let the trend be your friend, especially given that these have become available via mutual funds and ETFs.
Related research:
Managed Futures: Fast & Furious vs Slow & Steady
Hedging via Managed Futures Liquid Alts
Finally, the long-term portfolio should have long volatility strategies that provide diversification benefits when stock markets suffer. There is a lack of liquid products, but investors can replicate the exposure via assets that feature risk-off characteristics. A simple combination of JPY/AUD and gold has historically provided the same exposure as the Eurekahedge Long Volatility Hedge Fund Index.
Related research:
Volatility Hedge Funds: The Good, the Bad, and the Ugly
Long Volatility Strategies: Hedge Funds vs DIY
Building a Long Volatility Strategy without Using Options – III
Building a Long Volatility Strategy without Using Options – II
Building a Long Volatility Strategy without Using Options
Source: FactorResearch
One of the objectives of the long-term portfolio is to be simple, not require too much maintenance, and be cheap. The natural inclination of investors is to increase the complexity by fine-tuning the allocations, which should be avoided.
However, some further thoughts on optimal implementation are reasonable. We will evaluate three options for the short-volatility component – namely plain-vanilla exposure to the S&P 500, risk-managed equities, and value equities. Risk-managed implies reducing the exposure to the S&P 500 to zero when the 200-day average is negative. Cheap equities simply represents value investing.
Related research:
Risk-Managed Equity Exposure II
Risk-Managed Equity Exposure
We observe that the performance of the long-term portfolio between 2002 and 2022 was not significantly different when using either of these three options for structuring the equities allocation (try Finominal's Portfolio Diagnostics for portfolio analysis).
Source: FactorResearch
Naturally, the S&P outperformed the long-term portfolio over the last 20 years, but that can be expected when comparing a diversified cross-asset class portfolio to an equities portfolio. Equities were great, but the emphasis is on "were" when looking forward.
Moving back to the three types of equity exposure, we calculate the Sharpe ratios and observe that simply buying the S&P 500 would have generated the highest risk-adjusted returns when creating a long-term portfolio. Neither risk management nor the focus on cheap stocks has worked well over the last decade, although that does not necessarily mean that these are worse approaches going forward. Both are backed thoroughly by academic research.
Source: FactorResearch
Finally, we compare the maximum drawdowns reached in the period between 2002 and 2022, where cheap equities would have generated almost twice the loss compared to plain-vanilla or risk-managed exposure to the S&P 500.
However, it is worth mentioning that the maximum drawdowns did not occur at the same time, which was March 2009 for the S&P 500 (-55.2%), March 2020 for the long-term portfolio with plain-vanilla equities (-11.5%), April 2012 with risk-managed equities (-12.4%), and October 2008 with value equities (-20.3%).
Source: FactorResearch
The world is slowly entering a new age as the global population ages. The change is gradual and impossible to perceive on a daily basis. However, the data is readily available and the projections are difficult to refute.
There is a small risk to this thesis – reversing or stopping the aging process. Although this would lead to a larger or stable population, it is far better than the current scenario. Either way, investors should be prepared and focus on looking forward rather than backward, even if it does imply radical changes to the asset allocation mix. Fortune favors the brave.
Nicolas Rabener is the CEO & Founder of Finominal, which empowers professional investors with data, technology, and research insights to improve their investment outcomes. Previously he created Jackdaw Capital, an award-winning quantitative hedge fund. Before that Nicolas worked at GIC and Citigroup in London and New York. Nicolas holds a Master of Finance from HHL Leipzig Graduate School of Management, is a CAIA charter holder, and enjoys endurance sports (Ironman & 100km Ultramarathon).
Connect with me on LinkedIn or Twitter.


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Tyrone Anthony Smith, age 59. Sunrise April 13, 1957 in Youngstown, OH and Sunset June 1, 2016 in Columbus, OH. Tyrone is preceded in death by his parents, Robert Saunders, Sr. and Ruth Mae Black, and brother, Robert Saunders, Jr. Left to cherish his memory, wife, Maxine Smith; son, Jermaine Smith; daughters, Andrea Day, Gloria (John) Murphy, and Michelle (Reginald) Moton; brothers, Felix Black and James Washington; sisters, LaTonya Harris, Gail Saunders, Cheryl (Lloyd) Watkins, Cynthia (Rodney) Saunders, Latosha Saunders, and Renee Cunningham; 11 grandchildren, 3 great grandchildren, and a host of other relatives and friends. Calling hours will begin at 2pm until the start of the Memorial Service at 3pm Saturday June 11, 2016 at F.D. MASON FUNERAL HOME, 511 W Rayen Ave, Youngstown, OH 44502. Local arrangements entrusted to MARLAN J. GARY FUNERAL HOME, THE CHAPEL OF PEACE 2500 Cleveland Ave.
Condolence Messages
To: The Smith Family.
I am sorry for your lost. May you find comfort in God's Word the Bible. Jesus said: At John 6:40 For this is the will of my Father, that everyone who recognizes the Son and exercises faith in him should have everlasting life, and I will resurrect him on the last day.
May the hope in this Scripture bring you comfort and strength to endure the difficult days ahead. Please visit jw.org.

subset: commoncrawl


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Price: $31.96
(as of Nov 24,2019 08:52:07 UTC – Details)
A '70s style reborn. These men's shoes take inspiration from iconic sport styles of the past and move them into the future. They're crafted with a suede upper and leather-like details. Signature 3-Stripes flash along the sides. Plush midsole cushioning gives comfort to every step.
Rubber sole
Shaft measures approximately low-top from arch
Platform measures approximately 1 inches
Court-inspired suede shoes with pillow-soft cushioning for casual comfort
Regular fit; Lace closure


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Tiësto – 'On My Way' Official Video – Today, Grammy Award-winning DJ and producer Tiësto has released the music video for his single 'On My Way,' which features the vocals of Bright Sparks. The exciting new video features footage filmed by some of YouTube's most well-known stars from around the world, such as RCLBeauty101, Werevertumorro, Dagi Bee and more, as they travel to Las Vegas to celebrate Tiësto's birthday with the legend himself at Hakkasan Nightclub.
As the first track of 2017 for Tiësto, 'On My Way' celebrates individuals around the world who stay true to themselves when pursuing their ambitions. Sharing the same trait that Tiësto has had throughout his career, the variety of Youtuber's demonstrate this well through the creation of the video. Each YouTuber has become successful on YouTube's platform by developing a distinct voice and embracing their different backgrounds and communities.
In the video, the well known and successful YouTube actors and actresses bring this individualism to the video. They capture the fun energy of 'On My Way' through their respective journeys to Vegas. The video ends with all of the YouTubers coming together to meet Tiësto and celebrating at Hakkasan – music, lights, confetti and balloons heralding their arrival.
2017 has already become a busy year for Tiësto, as he has performed at Clé in Houston this past Super Bowl weekend and he will continue touring worldwide, with 2 sold-out performances at Brooklyn Hangar on Feb 24th and Feb 25th. With new videos and music releases in the pipeline, Tiësto fans have much to look forward to.
Follow Tiësto Via:
Facebook | Twitter | Instagram | SoundCloud | Website


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It's all about being able to 'pluck' up the courage to go out and wear these trousers in public, and hopefully not get 'roasted' for it. Rumoured to have been invented by a designer in Kentucky, a story that's probably not true at all.
These harem-style trousers come in a range of sizes that you can pick up from Amazon for just a 'poultry' £4.80. You will be able to get your 'thighs' in a pair. These pants are definitely a comfy treat, made of cotton and with a loose fit. They can take you from some casually shopping but also down the road at Kentucky Fried Chicken getting your dinner, and your legs with fit right in like two meaty snacks, but a little less spicy.
Who's going to wearing these chic 'Chicken Leg Drumstick Pants', that are very popular on Instagram and Facebook? We're not sure what the future holds for these pants, so we'll just have to 'wing it'.


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Irving I Moskowitz Foundation 21900 NorwalkBlvd
Hawaiian Gardens, CA 90716-1640
Dear Irving I Moskowitz Foundation:
On behalf of the Navy SEAL Foundation, thank you for your donation of $2,500.00. Your generosity sends a clear message of unwavering support tothe Navy SEAL community. On any given day, throughout the world, SEALs and all members of our Naval Special Warfare community put their lives on the line to help keep Americans safe. As any SEAL will tell you, "The only easy day was yesterday."
Your gift goes along way toward helping the Foundation support their families here on the home front by:
- Providing tragedy assistance for those who have lost a loved one in training or combat
- Supporting family events to boost morale and encourage camaraderie
- Awarding scholarships and providing educational assistance to active duty personnel, their spouses and children
- Preserving the rich history and heritage of the Naval Special Warfare communityWe continue to develop programs sothat when the men leave on deployment, they and their families know they will have the best available support here at home.Again, thank you for your generosity! It is greatly appreciated. With kind regards,James A. Smith Executive Director Navy SEAL FoundationT ax ReceiptGift Date: 12/27/2011 DonationCampaign (if specified): General Payment Type: Check
Check Number: 002023
Amount: $2,500.00For federal income tax purposes, the Navy SEAL Foundation confirms it provided no goods or services in exchangeforyourcontribution. The Navy SEAL Foundation's TaxID#is31-1728910.


text: Cra-Z-Art is the name of creativity. It is a leading brand of arts and crafts and stationary. Every creative teacher, kid, and student knows their products and their qualities. Khanaan offers all the major products of Cra-Z-Art at a discounted price. Our collection includes Cra-Z Slimy creation colour change, creations slimy fun kit, light up slime kit, creations slime bonanza, chalkboards, and many others. You can get our toys for toddlers and kids. We deliver baby products and toys in all the major cities of Pakistan, including Lahore, Multan, Rawalpindi, Karachi and Islamabad.


text: Sections View Full Chapter Figures Tables Videos Annotate Full Chapter Figures Tables Videos Supplementary Content + Download Section PDF ++ Teaching and learning are a constant dynamic. My dedication is to the world's most dynamic teacher both in the classroom and in life, my husband Mike Fetters; to all the students and colleagues who continue to give me feedback about best teaching, including my co-author Julie Tilson, and to my sons Seth and Zachary, who taught me how to learn. ++ LF ++ ++ Life is neither in the wick nor in the wax, but in the burning. My dedication is to those who light may way in life: to my husband, Donovan Steutel, without who's unwavering support and guidance I'd lose my way; my daughter, Skye, who reminds me every day that life is amazing and precious; my students who never fail to inspire me as they kindle their own professional paths; my colleagues who provide endless support and friendship; my co-author, Linda Fetters, who's guidance throughout my career has been immeasurable; and to my parents and siblings who remind me to trust my own light and believe in myself. ++ JT


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Source: Action in Teacher Education, v. 32 no. 3, (Fall 2010) p. 15-24.
(Reviewed by the Portal Team)
This study compared three teacher preparation programs at a Midwestern university.
The purpose of the study was to examine how the teachers from the three programs perceived the impact of the programs and how employers perceived their teaching competencies.
The study was guided by four research questions: (1) How did teachers from the different programs perceive the impact of the programs on their teaching competencies?
(2) How did the employers perceive the competencies of their teachers?
(3) Was there significant difference in teacher and employer perceptions among the three programs?
(4) Was there significance difference in teacher and employer perceptions between program candidates and completers?
Context of Study
The programs include a traditional 4-year undergraduate teacher certification program (TC),
an alternative certification-based master of arts in teaching program (MAT),
and an alternative certification program without the master degree option (AC).
The participants were teachers in the target population for the employee and employer surveys. The majority of the teachers were White Caucasian females.
The subjects of the study were divided into five groups:
(1) teachers who were currently enrolled in the AC program (with no master degree),
(2) teachers who recently completed the AC program,
(3) teachers who were currently enrolled in the MAT program,
(4) teachers who recently completed the MAT program, and
(5) TC teachers who had graduated from the undergraduate teacher education program.
Overall, teachers from the three teacher education programs at the Midwestern university were positive about the impact of their programs on their competencies. The result suggests that regardless of teacher education program or status, the teachers in these programs held similarly positive views about their programs.
Their positive views were confirmed by the perceptions of their employers, who provided high ratings of their teachers' competencies in all three programs. The only exception was the AC candidates, whose employers did not report similarly positive perceptions as those of the other teachers.
The positive ratings that the AC candidates gave to their program, combined with the similarly positive ratings that the AC completers gave to the same program, suggest that the university has a successful AC program, comparable to the MAT and TC programs.
The relatively low ratings that the AC candidates received from their employers, however, suggest that the candidates needed to complete their program before they became effective teachers, at least in the eyes of their employers.


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30 January 2019
Commonwealth Scholarships worth a total of £180,000 have been awarded to fund 10 Ugandan development practitioners to start The Open University's MSc in Development Management in November this year.
This award extends a track record of success in obtaining Commonwealth Scholarships which goes back to 2006, and has enabled more than 100 students in Uganda and Kenya to study for this qualification to date.
It also marks the end of an era, as these Scholars will be part of the last intake of students to register for this MSc, which is being withdrawn. The final opportunity to complete it will be in October 2022.
In its place the OU is creating two new Masters: Development Management launching in October 2019 on the Futurelearn platform, and Global Development, the OU's new in-house MSc planned to launch in October 2020.
"I am delighted we have 10 scholarships, which is five more than we were awarded last year," said Richard Pinder, Qualifications Lead Postgraduate Development Management, in the OU's Faculty of Arts and Social Sciences (FASS).
"It shows that the MSc continues to be held in high regard externally, and by agencies in a position to appreciate the impact and value of what we do – the scholarships are funded, effectively, from DFID's UK aid programme."
The MSc in Development Management has secured Commonwealth Scholarships every year since 2006, bar two, in the face of increasing competition from other distance learning providers.
Alongside the high quality of the support Scholars receive from OU Associate Lecturers (tutors), the MSc's success in securing Commonwealth Scholarships has been built on the OU's partnership with Kulika, a Ugandan educational trust with a commitment to developing skills in the country's voluntary sector.
Another factor is the success of previous Scholars who report gains in skills and career advancement. Notable achievers include two former Scholars who are now MPs in Uganda's Parliament.
"When we started with the scholarships in 2006 one of the things we were deliberately setting out to do was to build up civil society in Uganda," says Richard Pinder.
"The NGO sector at that time was underdeveloped and run largely by expatriates, so the scholarships have supported indigenising the running of Ugandan civil society."
He said the OU has also benefited. "It's a cliché, but the encounter with these Scholars, Ugandan professionals, has really helped us develop our teaching.
"And scholarships make a huge difference to numbers and where they are drawn from. A very significant minority of our international students are in Uganda and Kenya, and most of them are on scholarships."
The OU hopes to see the link between Development Management and Commonwealth Scholarships continue with the new Masters, said Dr Peter Robbins, Head of Discipline in the School of Politics, Philosophy, Economics, Development and Geography.
"This era is coming to an end, but we are expanding and growing with new opportunities for students, including Commonwealth Scholars.
"We have received substantial investment from the University in our new curricula, building on our leadership in the field of distance Masters-level education in International Development since 1996."
The deadline for applications for the Commonwealth Scholarships is 22 March 2019. Anyone wanting more information is welcome to email Richard Pinder.
Image above shows previous years Commonwealth Scholars at Kulika Uganda with their Open University tutor (second from right)
To find out more about our work, or to discuss a potential project, please contact:
International Development Research Office
Faculty of Arts and Social Sciences
The Open University
Walton Hall
Milton Keynes
United Kingdom
E: firstname.lastname@example.com


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Miami Criminal Attorney, Miami Criminal Tax Lawyer
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If someone you know is involved in an accident, this firm can help you connect to an attorney near you for free. A personal injury attorney in your area will call to discuss your case, with no cost or obligation. The law limits your time to file a claim, so contact them now.
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This is a full service law firm providing aggressive representation to clients in the areas of real estate, foreclosure defense, mortgage loan modification, short sales, pre-construction condo deposit recovery, deed in lieu of foreclosure, landlord tenant, commercial litigation, bankruptcy, business, unfair competition, fraud, personal injury, and criminal defense.
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text: Carly Jayne Banner Image: 'Without my Walls' (2013). Description: A person is in mid-air bouncing on a white bouncy castle with simple net walls. Latest Shape collaboration: Winner of the Shape Open 2014/15 exhibition. Artist Statement: Carly Jayne work is born from A compulsion to quantify what it is to be human. A PROPORTION of this experience is a reflection OF THE relationship Carly have with her physical limitations. Carly is interested in exploring the boundaries of inhibition and SELF control. This follows a deep questioning of where we draw the line in defining physicality. When working with installation there is often a questionable invitation to interact it IS at this point that the viewer assumes responsibility for their own involvement. The work is NOT about participation, but the ability to question inherent and CONDITIONED restraints. Carly interest lies in exploring the level a human operates when surrendering to unfamiliar physical or experiential exploration. It is within these moments that Carly believe a human has the ability to indulge the self in the present moment aligning physical momentum with a part of their inner self. The work often takes inspiration from moments of emotional and physical instability. This juxtaposed with a sense of strength and recovery sparks a play between vulnerability and possibility. The vulnerability in materiality is of great importance, whilst the work often manifests in a kinetic form, perpetuating the transient nature of these temporary structures. 'Let Go' (2011) - Reclaimed timber, concrete, steel and paint Check out Carly Jayne's website See all the artists we work with Manage Cookie Preferences


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Public health officials in North Lincolnshire are concerned that half term could bring a big rise in cases in North Lincolnshire putting older people at risk.
The seven date rate of infection per 100,000 people has stabilised across North Lincolnshire, sitting at around 150. However, the number of cases in people over the age of 60 has started to increase.
Jilla Burgess-Allen, a public health consultant, said:
"School leaders have gone to remarkable lengths to adapt to Covid-19 and keep their pupils and staff safe. But even with all the correct measures in place in schools, it is what happens outside the school gates that is causing concern.
"It's no good keeping to bubbles, social distancing and good hand hygiene in schools and then ignoring all the guidance when the school day is over.
"With half term coming next week, there is a real risk that younger people with time on their hands ignore the rules causing a spike in the numbers in North Lincolnshire."
All other data across the country suggests an increase in the virus in younger people eventually flows through to an increase in the older population. As more older people get the virus we will see an increase in hospital admissions putting the NHS under real pressure.
Ms Burgess-Allen said: "I know getting younger people to follow the rules is difficult, but I am asking every parent to talk to their children stressing the importance of the hand, face, space message. They may feel invincible, or understand that the health risks to themselves are relatively low, but the impact they can have by spreading the virus to older people can be devastating.
"Self-isolation for people who have symptoms, are waiting for a test, have tested positive or been contacted by NHS track and trace is also vital to stop the spread of the virus. This applies to everyone including our young people. Staying at home for a few days might be inconvenient, but it is much better than passing the virus to friends, relatives and the wider community.
"I want our young people to enjoy the half-term, but to do so safely to protect the most vulnerable in North Lincolnshire."


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Submitted by Ms. Tess!
"Like most children, you have probably thought to yourself at one time or another, I bet a pig parade would be a lot of fun." Lucky for us, we have Michael Ian Black and Kevin Hawkes to teach us exactly why A Pig Parade Is a Terrible Idea. For one thing, pigs don't like to march. They prefer to snuffle, which is like walking, but with your nose. And they down right refuse to wear majorette uniforms (even though absolutely everybody looks sharp in a majorette uniform). And if you give them band instruments, do you think they'd play a spirited marching song? They wouldn't. Because pigs only listen to sad, sad country music. These are just some of the many reasons A Pig Parade Is a Terrible Idea. I suggest you check this book out today, and educate yourself, before you try organizing hundreds of pigs to march down the finest boulevard of your home town… See this book listed in our catalog


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Graduate Certificate in Orthodontics
The Graduate Program in Orthodontics from Temple University's Kornberg School of Dentistry emphasizes evidence-based, patient-centered and outcome-driven care. This full-time, 26-month, postdoctoral certificate program educates residents to become qualified specialists in orthodontics and dentofacial orthopedics with expertise in applied basic sciences, compassionate care for patients, clinical biomechanics and diagnosis treatment planning. Residents are also required to complete a Master of Science in Oral Health Sciences while completing the Orthodontics certificate program.
Residents receive advanced didactic and clinical instruction across all aspects of the discipline, in preparation for a career as an orthodontist in settings such as clinical practice, research and academics. Graduates are prepared to pursue certification by the American Board of Orthodontics.
The Orthodontics curriculum incorporates advanced understanding of cutting-edge orthodontic instrumentation, with a focus on evidence-based diagnosis and treatment planning. You'll critically evaluate dental literature, research, theories, technological advancements and therapeutic procedures and apply these practices to the multidisciplinary, interprofessional treatment of patients. You'll also develop the skills needed for the sound management of your clinical practice.
Clinical and didactic seminar coursework is completed at the Kornberg School of Dentistry and during a course at the Charles H. Tweed International Foundation for Orthodontic Research and Education in Tucson, Arizona, where you will receive intensive hands-on training in differential diagnosis and mechanics.
Matriculation for the Orthodontics program starts in July of each year and residents are expected to maintain continuous residency status over the course of the program. Completion of the certificate also awards residents with a concurrent Master of Science degree in Oral Health Sciences.
Program goals
The Orthodontics Certificate has developed clearly stated the following goals and objectives appropriate to advanced specialty education, which address education, patient care, research and service.
- Graduate orthodontists who possess and apply the knowledge and skills required to diagnose, understand the basis of, and adequately treat, alone or in concert with other dental and medical practitioners, orthodontic cases while maintaining the health of the patient.
- Prepare orthodontic residents for certification by the American Board of Orthodontics.
- Prepare orthodontic residents to effectively communicate knowledge of orthodontics and related craniofacial anomalies to other medical-dental professionals and their patients
- Graduate orthodontists who possess the knowledge and skills required to critically evaluate the dental literature, research, technological advancements, and therapeutic procedures, and apply this knowledge into their diagnosis, treatment plan and clinical practice.
- Graduate orthodontists who understand the theory and methods of clinical and basic science research.
- Receive positive feedback from program graduates in the ongoing evaluation of the postdoctoral orthodontic program.
- Graduate orthodontists who understand the importance of lifelong learning, professional development, and their responsibility to the profession and the community at large.


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Tour de France bikes: Rigoberto Uran's Cannondale SuperSix Evo
Rim brakes reign supreme for Colombian
Rigoberto Urán and a number of his EF Education First teammates were racing aboard the recently launched Cannondale SuperSix Evo at this year's Tour de France, a bike first seen at the Critérium du Dauphiné in June.
While some of his team opted for disc brakes, Urán's first choice race bike is fitted with Dura-Ace direct mount rim brakes, despite claims that the new Hi-Mod disc frameset can be built very closely to the 6.8kg UCI minimum weight limit.
Interestingly, a rim-brake-equipped SuperSix Evo isn't available in Cannondale's range-topping Hi-Mod frame layup, meaning Urán's frameset is the same 'standard' carbon frame you can buy as a complete build for around £2000 – albeit with considerably higher-spec components. It's reassuring to know the apparent lesser quality frame can still perform to the standards of a WorldTour professional and can be ridden to a top-10 finish at the Tour de France.
Cannondale offer an aerodynamic integrated bar and stem combo for the SuperSix but the tight corners involved in internal routing can affect the light-action feel of mechanical brakes. As such, it's little surprise to see Urán running a traditional FSA bar and stem combo, which measure 380mm and 120mm, respectively.
The EF Education First team were running Shimano Dura-Ace Di2 components paired with Cannondale's own lightweight SISL2 crankset with 53/38 chainrings. While team sponsor FSA make their own PowerBox power meter, made in conjunction with Power2Max, EF Education First seem to have gone straight to source, by fitting Urán's bike with a Power2Max NG, which has claims of offering twice the accuracy.
Rigoberto Urán's Cannondale Supersix Evo full bike specifications
Frameset: Cannondale SuperSix EVO
Front brake: Shimano Dura-Ace R9100
Rear brake: Shimano Dura-Ace R9100
Brake/shift levers: Shimano Dura-Ace R9150
Front derailleur: Shimano Dura-Ace R9150
Rear derailleur: Shimano Dura-Ace R9150
Cassette: Shimano Ultegra R8000, 11-30
Chain: Shimano Dura-Ace HG901
Crankset: Cannondale Hollowgram SiSL2
Wheelset: Vision Metron tubular
Tyres: Vittoria Corsa G+, 25mm tubular
Handlebars: FSA
Handlebar tape: Prologo
Stem: FSA OS-99 hybrid
Pedals: Shimano Dura-Ace R9100
Saddle: Prologo Nago C3 CPC
Seat post: Cannondale Hollowgram Knot27
Bottle cages: Tacx Ciro
Computer: Garmin Edge 1030
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Condos for Sale in Michael Lane Villas
Find all Michael Lane Villas condos for sale below. Michael Lane Villas is a condo building in Pacific Palisades, California. Be sure to register for a free account so that you can receive email alerts whenever properties that match your criteria come on the market. For additional local inventory, view all condos in Pacific Palisades.
Michael Lane Villas Listings
Michael Lane Villas Information
Michael Lane Villas contains 181 total residences. Unit sizes range from 1390 to 2467 square feet, with an overall average of 2083 square feet. A typical property here is a 3 bedroom / 3 bathroom condo. Michael Lane Villas was built in 1971.
Get up-to-date real estate listings; this page is updated several times each day directly from the Pacific Palisades MLS. Be sure to bookmark it to keep track of the latest inventory. Research Michael Lane Villas real estate market trends and averages and stay apprised of price reductions, open houses, and recently sold condos in the building and nearby.
Michael Lane Villas Realtors®
Are you thinking of buying or selling a condo? If you're looking to buy a residence, contact our Michael Lane Villas real estate agents; we're the LOCAL experts and can answer all of your condo buying and neighborhood questions.
If you're thinking of selling your condo in Michael Lane Villas or in the Pacific Palisades area, please get in touch. Our listing agents can provide dates and prices of recently sold condos nearby, up-to-date real estate market information, and previous sales history.


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MANCHESTER, NH – It's 4 p.m. on Friday, and Chelby's Pizza bartender Sylvia Caron, who has worked at the restaurant for 40 years, attends to her regulars, delivering pitchers and mixed drinks and a batch of apple martinis for two men at a table in the corner.
In the lounge, set apart from the dining room, three muted televisions project disparate realities of life during the pandemic—Fox News and Dr. Phil and The Masters tournament on the big screen.
At another table, four men huddle around a pitcher of draft beer as Caron—in accordance with a newly-implemented state law—asks her patrons to sign a sheet in case there's need for future contact-tracing.
"We're trying to be very careful," Caron said. "We're trying to make sure that people are safe."
But the sign-in sheet is a formality: Caron knows their names, and they know hers. They've known each other for years.
They're her regulars, after all.
And despite the social-distancing and mask requirements as they walk across the lounge to check their tickets at the Keno machine; despite a nagging nostalgia for a year ago when the six tables and five bar stools in the lounge were all occupied, a raucous bar at capacity; despite this deadly virus keeping everyone alert, the regulars have returned to Chelby's Pizza as they've always done, en masse, rallying for the restaurant they embrace.
"It's like a family," said Steve Potter, a Manchester resident and a regular at Chelby's Pizza for 40 years. "It's like 'Cheers.' It's a home away home."
And for Chelby's Pizza owner Heidi Liolios, who started as a cook at the restaurant in 1984, she has nothing but reverence and appreciation for her regular customers.
"The regulars keep us in business," Liolios said. "There's never been a time when they haven't been here for us."
For the past four decades, Chelby's Pizza has established itself as — what one online reviewer called — an "old school Manchester restaurant" and one of its well-kept secrets.
Located on Mammoth Road, Chelby's has seen "generations of regulars" pass through its doors, said Liolios.
"There are people who came here years ago whose kids come here now," she said. "Our customers here have a sense of belonging."
Liolios bought the restaurant with her brother John from her old-boss Charlie Vorias—the name "Chelby's" is a phonetic combination of his own first name, his wife Ellie's name, and his "two boys"— in November 2002. Vorias, whose children now own the building, assisted the Liolios siblings in reopening Chelby's after a previous owner left it untenanted.
And again, after the Liolios's moved to reopen, the regulars answered the bell, helping them and the new staff clean the restaurant and prepare for its new transformation.
While the restaurant had consistently remained solvent, Liolios said it was never about the bottom line.
"It's not about money," Liolios said. "We're not making a killing. It's about supporting each other. It's about keeping Chelby's family together."
Enter a global pandemic in March that would test everyone's existential well-being and drive small businesses to precarious brinks.
Liolios said there was no warning ahead of the state's COVID-19 shutdown, and Chelby's took an initial hit that insurance wouldn't cover. Before being required to shutter the doors on St. Patrick's Day, the restaurant swallowed $2,600 in product, including $600 in corned beef, the type of gut-punch ubiquitous for small businesses during the state's mandatory quarantine.
According to Fortune, nearly 100,000 small businesses nationwide that temporarily closed due to COVID-19 have been permanently shut down, something that gives Liolios consternation.
"I'm curious to see what this second wave in the winter will bring," she said. "I want to stay open and I anticipate, at least, staying open for 'to-go' orders."
However, opened at half-capacity, the employees still continue to feel the sting of the COVID-19 restrictions. Caron said, due to social distancing, it now takes her two shifts to net what she once took home during a single shift.
Still, at Chelby's Pizza, the regulars keep returning and supporting the restaurant.
"Since COVID-19, the regulars have been amazing," said Liolios. "They do more than their share, and they're more than generous. They know that the staff has been out of work. Some even tip the cooks."
Liolios acknowledges that her business model—keeping prices low and cultivating an intimate family-like atmosphere with little turnover in her restaurant—contradicts the capitalist playbook.
"It might not be smart business, but in my heart it feels smart," she said.
It's now 8:45 p.m., and Sylvia slides me my tab, asking if I want one more beer before last call. College football now plays on the three muted televisions, and I'm looking at a net-loss from my nightly gambling wages as Eric Clapton's "Layla" plays on the Touchtunes jukebox. "I really should get home and write my article," I tell her.
"Will I see you tomorrow?" Sylvia asks.
I grin while signing my tab and putting on my mask. "College football starts at noon," I say.
Sylvia laughs, a hearty French-Canadian guffaw. "Be safe, Nate," she says and sanitizes the bartop and stool as I wave goodbye and head back to my other home.


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Elton John has announced a three-year farewell tour as he bows out of live performing for good so he can spend more time with his children.
The 70-year-old unveiled details of the Farewell Yellow Brick Tour in an exclusive Live Stream on YouTube, broadcast from New York.
The massive tour is named after his 1973 album Goodbye Yellow Brick Road.
It will consist of more than 300 shows across five continents, hitting North America, Europe and the Middle East, Asia, South America and Australasia before reaching its conclusion in 2021.
The star will start the tour in the US in September 2018 and then head to the UK and Europe in 2019.
Additional shows across North and South America, Europe, Asia, Australia, New Zealand and the UK will be announced in the coming months.
Dates in the UK will include Plymouth, Cardiff, Brighton, London, Liverpool, Leeds, Aberdeen, Glasgow, Sheffield, Birmingham, Newcastle, Nottingham and Manchester.
An official statement said: "These dates mark Elton's last-ever tour, the end of half a century on the road for one of pop culture's most enduring performers.
"The new stage production will take his fans on a musical and highly visual journey spanning a 50-year career of hits like no one has ever seen before."
Sir Elton said: "Performing live fuels me and I'm ecstatic and humbled to continue to play to audiences across the globe. I plan to bring the passion and creativity that has entertained my fans for decades to my final tour.
"After the tour finishes, I'm very much looking forward to closing off that chapter of my life by saying farewell to life on the road. I need to dedicate more time to raising my children."
The farewell tour would be a chance "to say thank you to all my fans around he world and then to say goodbye."
Sir Elton added: "I have had a good run, I want to go out with a bang."
Asked if this really was a retirement from all public performances, Sir Elton vowed never to "do a Cher" by going back on the road, insisting: "This is the end".
He dismissed suggestions that he has made the decision because of a series of health problems in recent years.
The star said that his priorities had changed and that his and husband David Furnish's two sons, Elijah and Zachary, had transformed their lives.
How to get tickets
Tickets for the Farewell Yellow Brick Road tour will begin to go on sale from the start of February 2018.
The first batch of tickets will be for the North American leg of the tour. They go on sale to the general public from February 2.
Tickets are expected to go on sale for UK fans in September 2018.
We'll update this with details as soon as UK ticket details are announced.
Registration is open now for North America and continues until Saturday January 27, with the presale beginning on Tuesday, January 30 at 10am and running through to Wednesday, January 31 at 10pm. (all times are local).
Meanwhile, Elton John is to perform at the Grammy Awards in New York on Sunday, January 28.
And on January 30, musicians including Miley Cyrus, John Legend, Chris Martin and Sam Smith will pay tribute to Sir Elton's career at a concert in New York City.
His Las Vegas residency will continue until May 19.


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Why Having a CRM Is Vital for Your Business
As your business grows, so does the amount of information that you have to keep for clients. A filing cabinet with folders for each customer may work for you at first, but as the business gets bigger, you will quickly learn that it is not practical or easy.
A CRM, or customer relationship management platform helps to gather and store customer information all in one accessible place. While collecting customer information can take a lot of time and energy, it can be rewarding for your business because you'll get to know your customer in a more detailed manner and raise customer satisfaction.
Stay Organized
CRM platforms offer a number of tools that can help you understand, communicate with, and help your clients, which can boost your revenue. One of the most important jobs it can help with is staying organized. Running a business organization can be a difficult task, but CRM platforms can help.
Customer Service
Excellent customer service is vital for running a good business. A CRM platform can allow you to log information when an issue arises so your team can quickly identify the customer's history and take action. This can help to maintain and improve customer service, which will equal happier clients.
Analytical Data
Perhaps one of the most important features of a CRM is its ability to provide analytical data. A CRM can gather and compare data with information pertaining to your sales, revenue, number of clients, sales goals, and much more. Overall, your CRM not only holds all of your client information but can also help you keep track of how you're doing and where you are going.
Do Your Research
When looking for a CRM, it is important to research and choose one that best fits your type of business. Contact us today for more information about customer relationship management platforms and how we can help with the setup and functionality of your platform.


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The Caribbean's Coolest New Beach Bar Is In St Maarten
By Alexander Britell and Guy Britton
It's been open just three weeks but you can already feel it.
Even in the late afternoon on a Tuesday, you know a hotspot when you see it.
It's sleek, it's instantly hip and it's, well, Roxxy Beach.
The product of a Las Vegas-based development team, this newest beach bar in St Maarten is already one of the coolest in the Caribbean, a crisply designed beach bar-meets-beach lounge where you can spend all day and then spend all night, too.
This is a new kind of beach bar for St Maarten, a sophisticated, chic destination bar that's on its way to becoming the island's most happening lounge, with influences from everywhere from Ibiza to St Barth.
There are two bars, in fact. One is the main outlet, with a second-floor VIP room with a view of the ocean, joined by dining tables and the main cocktail counter.
And then there's a classic Caribbean beach shack, a low-key wooden rum bar set right on the sand.
And yes, it's a lounge, meaning you can get a chair and put down roots for the afternoon on a brilliant patch of white sand on Simpson Bay.
And then there's Chef Davide Castro's standout food, a mix of everything from uramaki sushi rolls )with inspired recipes like "sake mousse" and "crunchy berries" to salads, small bites and brick oven pizza.
The cocktail program is broad, from the Shi Shi, a mix of Frangelico, prosecco, lime juice and mint to the "bamboo colada," a mix of rum, coconut, lime juice and passion fruit.
That's along with a robust rum list that includes some very good rhum agricoles.
Every Sunday is a regular event, when DJs descend on the sand and this corner of Simpson Bay turns into a full-fledged beach party.
Here in St Maarten 2.0, there's a new energy, a new dynamism, as the island looks forward and imagines what's possible.
And places like this are right at the heart of it.
For more, visit Roxxy Beach.


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SUMMARY : Covering Aspects in Operations, Sales, Marketing & Brand Communication etc. Self-motivated, Result oriented & Optimistic. CAREER HISTORY : 2009 February ONWARDS… Presently working with M/s. INDUSIND BANK LIMITED, Raniwara as Officer-General Banking Operations, reporting to Manager Customer Service Operations. INDUSIND Bank offers a wide range of commercial and transactional banking services and treasury products to corporate and retail customers. Ramesh Sobti, MD & CEO of the Bank is setting new standards of innovation which makes Indusind Bank into a "Universal Bank" KEY RESPONSIBILITIES : Handling charge of Branch Clearing Inward, Outward and OCC. Worked for branch remittance desk RTGS, NEFT and Transfers. Branch Teller backup worked and managed teller counter as per GBO & RBI guidelines. Backup Branch ATM custodian, responsible for ATM feeding & CBR updations. Scrutinised Branch AOF's on daily basis to achieve higher FTR percentage. All a/c opening formalities as per the KYC (Know Your Customer) guidelines of RBI. Compliance with all statutory requirements of RBI Guidelines. Worked as branch CSM for providing customer services and resolving their queries. Lodging of financial instruments (cheques and drafts), in outward/inward clearing. Handled customer query and relationship building as welcome desk PB. Handling clients queries & providing them service solutions through Talisma & I-works. Significant contribution in Operational and Sales Excellence. 2005 March to Aug. 2006 : for MAGNUM LTD. Worked as Operator at Amirgardh Sales Tax. M/s. MAGNUM LIMITED, Ahmedabad based company providing solutions and handling various projects for Gujarat Sales Tax. KEY RESPONSIBILITIES : Maintaining record of Sales Tax Data at Amirgarh, Gujarat Sales Tax. Computerised all sales tax data on daily basis. Providing Monthly backups of all the computerised data to Head Office. EDUCATIONAL CREDENTIALS : Completed Master in Business Administration, VMU, Salem, Tamilnadu, 2007-2009 Bachelor of Commerce, MLSU, Udaipur, 2006 Completed Matriculation & Intermediate from Rajasthan Board, Ajmer 2000-2002 TRAINING & CERTIFICATION : Certification in Compliance and Vigilance Training held on 4th August 2011 at Jaipur. Deputed to Barmer and Banswara branch for providing Training of KYC, I-works and Talisma. ACHIEVEMENTS & RECOGNITIONS : Achieved performance rating 4.60 out of 5 for FY 2012-2013 Promoted to Ops.-General Banking Operation from Oct. 2012 Achieved performance rating 5 out of 5 for FY 2010-2011. Certificate of Excellence for General Insurance Business contest. Promoted as a Team Leader for Sumerpur branch Associate Sales Managers Team. Certificate of Excellence for qualifying IndusInd Elite Club for the month January & February, 2010. Promoted to Bank Rolls from August 2010. Achieved performance rating 4.50 out of 5 for FY 2009-2010. COMPUTER CREDENTIALS : Well versed with MS Office, Internet Applications, Coral Draw, Pg.Maker, Photoshop & Tally 7.2 Well experience with Op. Sys. : Win XP, Vista and Win. 7 Confident in working in fully computerised environment with latest software's. EXTRA CURRICULAR ACTIVITIES : Topper at School level chess competition, Interest in Reading, Internet, Cricket & Traveling. PERSONAL DETAILS : Marital status : Married DATE : PLACE :
1. This is an online resume, managed by the candidate. 2. Create your online resume here. 3. If candidate allows, recruiters can contact the candidate directly. 4. Personal and contact details can be kept private optionally by the candidate. 5. Create a link to this online resume where ever you want in the web.


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Optimum satellite remote sensing of the marine carbonate system using empirical algorithms in the global ocean, the Greater Caribbean, the Amazon Plume and the Bay of Bengal
Type | Article | ||||||||||||||||||||
Date | 2019-12 | ||||||||||||||||||||
Language | English | ||||||||||||||||||||
Author(s) | Land Peter E.1, Findlay Helen S.1, Shutler Jamie D.2, Ashton Ian2, Holding Thomas2, Grouazel Antoine3, Girard-Ardhuin Fanny3, Reul Nicolas3, Piolle Jean-Francois3, Chapron Bertrand3, Quilfen Yves3, Bellerby Richard G.J.4, 5, Bhadury Punyasloke6, Salisbury Joseph7, Vandemark Douglas7, Sabia Roberto8 | ||||||||||||||||||||
Affiliation(s) | 1 : Plymouth Marine Laboratory, Prospect Place, West Hoe, Plymouth, PL1 3DH, UK 2 : University of Exeter, Penryn, Cornwall, TR10 9FE, UK 3 : Ifremer, University Brest, CNRS, IRD, Laboratoire d'Océanographie Physique et Spatiale (LOPS), IUEM, F-29280, Brest, France 4 : SKLEC-NIVA Centre for Marine and Coastal Research, State Key Laboratory for Estuarine and Coastal Research, East China Normal University Zhongshan N. Road, 3663, Shanghai, 200062, China 5 : Norwegian Institute for Water Research, Thormølensgate 53D, N-5006, Bergen, Norway 6 : Department of Biological Sciences, Indian Institute of Science Education and Research Kolkata, Mohanpur, 741 246, West Bengal, India 7 : Ocean Processes Analysis Laboratory, University of New Hampshire, Durham, NH, 3824, United States 8 : Telespazio-Vega U.K. for European Space Agency (ESA), ESRIN, Frascati, Italy |
Source | Remote Sensing Of Environment (0034-4257) (Elsevier BV), 2019-12 , Vol. 235 , P. 111469 (15p.) | ||||||||||||||||||||
DOI | 10.1016/j.rse.2019.111469 | ||||||||||||||||||||
WOS© Times Cited | 17 | ||||||||||||||||||||
Keyword(s) | Carbonate chemistry, Earth observation, Ocean acidification, Total alkalinity, Dissolved inorganic carbon, SMOS, Aquarius, CORA, HadGEM2-ES | ||||||||||||||||||||
Abstract | Improving our ability to monitor ocean carbonate chemistry has become a priority as the ocean continues to absorb carbon dioxide from the atmosphere. This long-term uptake is reducing the ocean pH; a process commonly known as ocean acidification. The use of satellite Earth Observation has not yet been thoroughly explored as an option for routinely observing surface ocean carbonate chemistry, although its potential has been highlighted. We demonstrate the suitability of using empirical algorithms to calculate total alkalinity (AT) and total dissolved inorganic carbon (CT), assessing the relative performance of satellite, interpolated in situ, and climatology datasets in reproducing the wider spatial patterns of these two variables. Both AT and CT in situ data are reproducible, both regionally and globally, using salinity and temperature datasets, with satellite observed salinity from Aquarius and SMOS providing performance comparable to other datasets for the majority of case studies. Global root mean squared difference (RMSD) between in situ validation data and satellite estimates is 17 μmol kg−1 with bias < 5 μmol kg−1 for AT and 30 μmol kg−1 with bias < 10 μmol kg−1 for CT. This analysis demonstrates that satellite sensors provide a credible solution for monitoring surface synoptic scale AT and CT. It also enables the first demonstration of observation-based synoptic scale AT and CT temporal mixing in the Amazon plume for 2010–2016, complete with a robust estimation of their uncertainty. |
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US Army settles prerequisites for future assault observation airplane
WASHINGTON — The U.S. Armed force's Requirements Oversight Council has endorsed the prerequisites for its Future Attack Reconnaissance Aircraft, an assistance representative affirmed to Defense News.
The gathering met April 9 and greenlighted the necessities as an Abbreviated Capabilities Development Document (A-CDD) that approves the plans created by two organizations contending to construct the airplane.
The Army approved a Final Design and Risk Review (FD&RR) for the contending FARA plans in December. It confirmed that industry is prepared for a take off toward the finish of 2022, Rugen revealed to Defense News in a meeting recently.
The FARA program will fill a basic capacity hole presently covered by AH-64E Apache assault helicopters cooperated with Shadow drones following the retirement of the OH-58D Kiowa Warrior helicopters. The assistance has fallen flat multiple times to fill the hole with an airplane.
Lockheed Martin's Sikorsky and Bell are in a straight on rivalry to assemble models and fly them starting in November 2022. The Army will pick one it needs to work for the power following the serious take off period.
Sikorsky pitched a coaxial rotor edge configuration dependent on its S-97 Raider that it is calling Raider X. Chime revealed its plan — the 360 Invictus — at the 2019 Association of the U.S. Armed force yearly meeting.
The business groups have effectively been twisting metal to fabricate models for quite a long time (if not quite a while) to set up the airplane for trip before the following year's over.
"What we saw back on the last plans from industry were noteworthy to the public authority group. Industry truly accomplished more. I feel that gets into ability the board, to utilize an Army expression, since they had a cheat rep with [Joint Multi-Role Technology Demonstration]," said Maj. Gen. Wally Rugen, who is accountable for the Army's future vertical lift modernization endeavors. "The business groups have truly been exceptional than we suspected they would be on this plan work."
Also Read: India Facing Renewed Challenges Along Its Borders
Chime and Lockheed each have insight in such an interaction with the Army's other future vertical lift venture to acquire a future long-range attack airplane, or FLRAA. A Sikorsky and Boeing group just as a Bell group fabricated and flew innovation demonstrators in front of the program of record to educate prerequisites for the future airplane. Those airplanes have flown more than quite a long while, and are going through testing and assessment as a component of a serious danger decrease movement.
It is normal those two groups will go up against one another for FLRAA with contributions firmly dependent on Joint Multi-Role Technology Demonstration frameworks.
Brig. Gen. Burglarize Barrie, the program chief for Army aeronautics, revealed to Defense News recently that the FLRAA demand for recommendations is normal in the second from last quarter of monetary 2021. The draft RFP was given toward the finish of 2020.


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Water levels in Mapprachan reservoir have hit critically low levels, the worst in twenty years according to Pattaya locals and the manager of the Pattaya Water Works Authority
A special ceremony was held today in which many locals prayed for rain from different gods after the reservoir hit the lowest level in twenty years at 16% left of the total volume of the lake.
Locals said that this is the lowest level in 20 years. In previous years after the end of rainy season, there was 90-95% of water left in the reservoir.
Mr. Suthat Nutpan, the manager of the Pattaya Water Works Authority, said Pattaya is a tourism city and lots of water has been used locally this year as demands on infrastructure grow yearly.
"Other reservoirs are at low levels too. The water distribution has to be decreased even though we have bought water from other areas," Mr. Suthat explained.
"Please save water." he added.
This being said, local leaders say the volume of water they have is enough to last through May when more rain is predicted. They noted this includes the Songkran festival which the local government said this year is more important than ever for tourism due to the ban on Chinese tour groups due to the outbreak of the novel COVID19 Coronavirus in China.


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Entertainment Digest | Week of Dec. 2
Playhouse Youth Theater to Present 'Frozen Jr.'
YOUNGSTOWN – The Youngstown Playhouse Youth Theatre will present "Disney's Frozen Jr." at 7:30 p.m. Dec. 6 and 7, and 2:30 p.m. Dec. 8.
The performance runs approximately one hour, and tickets are $14 for adults and $10 for children 12 years old and under.
Based on the 2013 animated film and its 2018 Broadway musical adaptation, "Frozen Jr." expands upon the relationship between Princesses Anna and Elsa. It features all of the songs from the animated film, plus five new songs written for the Broadway production. The cast includes local community members ranging from ages 8 to 18.
Natalie Kovacs, Lana Dougherty and Mary Bonamase play the role of Elsa at different ages, and Lena Sophia Dill, Breckan Neuhaus and Lillian Gerst plays the role of Anna.
Rounding out the cast are Ben Doss, Wayne Bonner, Isaac Powell, Aiden O'Bryant in featured roles; Finn O'Hara, Kenny Day, Eden Lesnansky, George Mailis, Paul Staton Jr., and Sophia Latell in supporting roles.
In the ensemble are Rhyan Anderson, Malivia Blackmon, Nichole Carter, Marley Cheff, Kate Congo, Aubrey DeJacimo, Xavier Garcia, Addison Hanousek, Ilisabeth Hernan, Trudi Herrholtz, Kellan Hetzel, Aliyana Jamison, Ava Kuntz, Aubrey Middlestead, Lainie Modarelli, Samantha Moon, Bella O'Bryant, Sadie Ohl, Adriana Trafficante, Leonardo Valente, and Mikey Zoccali.
Sarah Jane Demetruk and Candace DiLullo are the directors, and musical director is Anthony Ruggiero and choreographer is Emelia Sherin
To buy tickets in advance, call 330 788 8739 or go to TheYoungstownPlayhouse.com.
Opera Western Reserve Receives $3,000 Gift
YOUNGSTOWN – Opera Western Reserve has received a gift of $3,000 from the Howard and Jeanne Karr Charitable Foundation.
The donation was made through the Youngstown Foundation Support Fund, thereby increasing it by 10 percent for a total of $3,300. The Karr Charitable Foundation grant supports Opera Western Reserve's productions.
Mill Creek Park Roads Closed to Traffic for Winter
YOUNGSTOWN – Effective Dec. 6, the following roads in Mill Creek Park will be closed to vehicular traffic for the winter:
- High Drive, between Chestnut Hill Drive and West Cohasset Drive.
- Chestnut Hill Drive, between Canfield Road and High Drive.
- Calvary Run Drive, between Belle Vista Avenue and Milton Avenue.
When closed to vehicular traffic, these roads are available for recreational use, including hiking, cross country skiing and sledding. Aside from recreational opportunities, benefits of winter road closures include cost savings associated with snow removal as well as a reduction of negative environmental impacts from deicing salt.
All roads will reopen in the spring when weather permits.
Brass Band to Play Free Concert at Church
COLUMBIANA – Brass Band of the Western Reserve will perform a free Under the Dome concert at First Presbyterian Church of Columbiana at 6 p.m. Dec. 8.
The 40-piece Akron-based ensemble plays Christmas classics ranging from a swing version of "We Three Kings" to a sing-along of favorite carols.
For information, go to ConcertsUnderTheDome.org.
Valley Ballet Students Will Perform with Moscow Troupe
YOUNGSTOWN – Each year, more than 6,000 children nationwide take to the stage alongside the Moscow Ballet dancers to participate in "The Great Russian Nutcracker," on the troupe's annual holiday tour.
The Moscow Ballet will return to Youngstown on Dec. 18 for a 7 p.m. performance at Powers Auditorium.
Youngstown-area youths who have been selected to play ancillary roles are Maria Wilson, Cassidy Hluchan, Jenna Walden, Adrienne Rich, Sofia Caruso, Melena Zervas, Eliza Farr, Rylie Gillespie and Andrea Reillly.
The local ballet students, who study at schools throughout the Mahoning Valley, auditioned in the fall and rehearsed at Jordan School of Ballet in Cortland.
The children's roles are as Party Children, Small Mice, Little Snowflakes, Snow Sprites, Snow Maidens, and Act II's Variations of the world's five great heritages in the Land of Peace and Harmony.
Lisa Zumpella Jordan, owner and operator of Jordan School of Ballet, is a professional ballerina, artistic director, teacher and choreographer. She performed as a soloist with the Contemporary Ballet Theatre of Williamsburg, Va., and was a principal dancer with Ballet Michigan. She has performed with the original Cleveland Ballet and Pointe of Departure, a professional ballet company constructed of former Cleveland Ballet dancers.
Jordan was also given the honor of performing as the guest ballerina, dancing the role of Cinderella, with the Cleveland Orchestra at Severance Hall in Cleveland.
Jordan School of Ballet will give its own performance of "The Nutcracker" at 4 p.m Dec. 22 at Cortland Opera House, 152 Park Ave., Cortland.
Warren Philharmonic Offers Free Violin Lessons
WARREN – The Warren Philharmonic Orchestra is offering free violin lessons to a select group of Trumbull County third through seventh grade students, announced Barry G. Dunaway, executive director of the orchestra.
The application deadline is Dec. 30 for the next class of students, beginning Jan. 12. An application form and related documents are available at WarrenPhilharmonic.org or can be requested from the WPO office, 154 N. Park Ave., Warren.
The orchestra will loan each Strings of Joy student an age-appropriate violin and provide individual, 20-minute lessons Sunday afternoons through December 2020, with a summer vacation. Occasional group lessons and performance opportunities will be scheduled, as well.
The Orchestra will provide printed music to the students at no cost. The lessons will be held at Christ Episcopal Church, 2627 Atlantic St. NE, Warren. Lesson instructor is Brendan McEvoy, a student at Youngstown State University's Dana School of Music.
For information, call 330 399 3606 or email email@example.com.
'A Christmas Carol' at Salem Community Theatre
SALEM, Ohio — "A Christmas Carol," the classic Charles Dickens play about a miser who has a reckoning with himself, will open Dec. 6 at Salem Community Theatre and run for six performances over two consecutive weekends.
Curtain time at the at 490 E. State St. theater on Dec. 6, 7, 13 and 14 is 7:30 p.m. and Dec. 8 and 15 at 2 p.m. Tickets for the show are $15 ($11 for senior citizens, $9 for students and $5 for children under 5). To purchase in advance, go to SalemCommunityTheatre.ticketleap.com, or call 330 332 9688.
The play is directed by Tim Gottschling.
Selah Theater Sets Auditions for 'Thrill Me'
STRUTHERS – Auditions for Selah Dessert Theater's production of the musical "Thrill Me" will take place Dec. 4 and 5, from 6 to 8 p.m., at Selah Restaurant, 130 S. Bridge St.
The musical, written by Stephen Dolginoff and set in 1920s Chicago, tells the true story of Nathan Leopold and Richard Loeb, two young men who embark on a life of crime and ultimately commit a murder.
The cast requires two males, with youthful appdearance and strong acting and singing skills.
Performances will be at the end of April.
Auditionees must be prepared to read from the script and perform a song from the show.
Mary Ruth Lynn is the director, and Anthony Ruggiero is music director. For information about music or to obtain musical pieces for an audition, contact Ruggiero at firstname.lastname@example.com.
Polish Arts Club Presents Wigilia Celebration
YOUNGSTOWN – The Polish Arts Club of Youngstown will present Wigilia on Dec. 8 from 4 to 8 p.m. at Holy Apostles Parish, Sts. Peter and Paul Church, 421 Covington St.
Wigilia, which is Polish for "vigil" or "waiting" for the birth of Jesus, is the club's annual celebration and recreation of what Poles around the world do each Christmas Eve.
The event will begin with a social hour, with the traditional dinner and dessert beginning at 5 p.m. Cocktails, a 50/50 drawing, basket raffle, singing of traditional Polish carols and more are part of the evening.
The cost is $30 per person ($10 for children 5 to 12; free for children 4 and under). The public is welcome and reservations are mandatory. Tickets will not be sold at the door.
For information, contact club president Sandra Cika at 330 565 0467 or firstname.lastname@example.com. To donate to the basket raffle, contact Michele Jenoff at 330 501 7190 or email@example.com.
Pictured: Natalie Kovacs as Elsa and Lena Sophia Dill as Anna in Youngstown Playhouse's Youth Theatre production of "Frozen Jr."
Copyright 2024 The Business Journal, Youngstown, Ohio.


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By Joannne Jeffries. Last Updated 3rd September 2021. Here, you can read our guide to accident claims solicitors covering Watford. In it, we give you more information on choosing personal injury solicitors for Watford accident claims.
Are you aware that any time you are injured in an accident that was the fault of a third party, you could be able to make an injury claim? Your eligibility to claim depends on many factors, some of which we will cover in this guide. We will also explain why finding a good personal injury lawyer is vital in maximising your chance of making a successful accident claim in Watford, or indeed, anywhere else in the UK.
Our team of advisors are just a phone call away on 0800 073 8801. Each of them is an expert in personal injury claims, and will be able to provide you with advice on how best to proceed with your claim, as well as answer any questions that you have. If you have a valid accident claim we can provide you with a no win no fee accident claim solicitor covering the Watford area. Call them today to get your claim started as soon as possible.
Choose A Section:
- What Is An Accident Claims Solicitor Covering Watford?
- Public Place Accidents And Injuries
- Accident At Work In Watford
- Watford Accident At Work And Injury Statistics
- Traffic And Road Crash Accidents
- Falling And Tripping Accidents
- Claims As A Victim Of A Criminal Injury
- Bringing A Clinical Negligence Claim
- No Win No Fee Accident Claims Solicitors Covering Watford
- Contact Us
- Answering Frequently Asked Questions
- Local Information And Services
What Is An Accident Claims Solicitor Covering Watford?
An accident claim solicitor provides services related to assisting a person that has been injured in a way that was not their fault, to claim damages for the physical and psychological harm and financial losses they have suffered. The solicitor acts partially in an advisory capacity, providing information and advice, such as informing the claimant of the accident claims time limit that will apply to the claim. The solicitor will also value the claim, and indicate to the claimant how much compensation they could be able to pursue for. The solicitor also acts in the capacity of a representative, processing the claim on behalf of their client, and negotiating a settlement with the defendant's legal team. We can provide accident claims solicitors covering Watford, that will help you to make a claim for the harm you have suffered at the hands of a third party.
Public Place Accidents And Injuries
Not all accidents in Watford take place on private property, some take place in a public area. For example, if you are injured in a slip, trip or fall accident on a public street, it could be the local council that you bring a personal injury claim against. The local council is responsible for maintaining all public places including public roads, parks, leisure areas, and public buildings.
Furthermore, the local council is also responsible for maintaining road surfaces. It is expected to fix any reported pothole or other damage to a road surface within an acceptable timeframe. When the council doesn't do this, it could, in some cases, be possible to make a claim for road traffic accidents that have been caused by the hazard.
Accident At Work In Watford
The Health & Safety Executive is responsible for enforcing regulations that pertain to providing a safe working environment for employees. In the case of a failure in an employer's obligation to comply with Health & Safety regulations, the HSE would also be responsible for investigating an accident at work in some situations (such as multiple injured employees, death, etc.) Below is a list of injuries that could occur as a result of an accident in the workplace;
- Head injuries caused by a fall from height.
- Back injuries caused by a manual handling accident.
- Cuts, bruises and soft tissue injuries caused by slips, trips and falls.
- Burns and respiratory problems caused by exposure to a harmful chemical.
In order to be able to make an accident at work claim it must be proven that either your employer acted in an irresponsible way breaching their duty of care or an employee was the cause of your accident as they were negligent in their work duties. The accident in question will have lead to harm in the way of an avoidable injury.
Watford Accident At Work And Injury Statistics
The table below covers the period 2014/15 – 2019/20, and shows data related to working accidents in Watford and Hertfordshire.
Location | Total – non fatal injuries | Total – non fatal injuries per 100,000 workers | Fatal injuries |
Watford | 80 | 135 | 0 |
Hertfordshire | 966 | 215 | 2 |
You can find further detailed information about the period 2014/15 – 2019/20, at the following link:
You can see the 2019/20 statistics for mental health conditions relating to work below. You could also be eligible to claim for psychological harm due to your employer's negligence in protecting you from suffering work-related stress, for example.
Traffic And Road Crash Accidents
We can provide you with a solicitor that is experienced in the car accident claims process, and will be able to help you to claim any compensation you are eligible for. It isn't only the driver of a car, lorry, or any other form of motor transport that can make such a claim. It is any road user, or legal entity that suffers damage due to an RTA that shows third party liability.
In order to be able to pursue a claim for a road traffic accident there must be third party negligence and liability, that means another road user through error or negligence caused the accident which lead to you suffering unnecessarily. To learn whether you have a valid RTA claim or not, please speak to one of our claims team on the number below.
Falling And Tripping Accidents
When you step out of your front door, on to the street, you are constantly exposed to potential slip, trip and fall hazards. There is a reason why these are the most common type of non-vehicular accidents in the UK. Every step we take, could possibly result in a slip, trip or fall especially if there are potential hazards and the entity responsible for maintaining the place you are walking in has neglected their safety responsibility. Typical examples of hazards that could cause these accidents include:
- Floors that have become wet or dirty, and have not been marked with a hazard sign.
- Damaged floor coverings, such as a warped floorboard, a chipped or cracked floor tile, or a frayed or torn carpet.
- Uneven paving surfaces such as poorly laid cobbled, crack paving slabs and unevenly laid curbstones.
- Maintenance or cleaning equipment left causing an obstruction in a public place.
If you are injured due to a slip, trip or fall that was caused by a hazard created by a third-party, we could be able to help you make a claim for accident compensation, and our team is very familiar with the slip and fall settlement process.
Claims As A Victim Of A Criminal Injury
Nobody wants to think about being the victim of a crime, especially a violent one. Unfortunately, violent crimes do take place, for many reasons, from purely financial such as a mugging, to sexual, such as rape, or simply due to pure violence, such as an assault or even a murder. When a criminal commits a violent crime, they may go uncaught. Alternatively, the criminal is apprehended, but don't have the finances available to pay damages to their victim. So, how can the victim of a crime claim compensation for their suffering? Through the UK Government-run organisation called the Criminal Injuries Compensation Authority (CICA), which enables victims of crime payments in cases where no other route to compensation is possible.
Bringing A Clinical Negligence Claim
We all trust medical professionals to provide treatment in a professional safe manner, at all times. Every medical professional, either working for a private healthcare provider, or the NHS, is legally obligated to never cause unnecessary harm to a patient. Unfortunately, mistakes could happen, and if clinical errors harm a patient in some way this could cause medical negligence. Proving negligence can be very complex as it must be proven that another physician or healthcare worker of the same capacity would not have caused similar harm given the same circumstances. Therefore, bringing a clinical negligence claim can be a difficult process, and one that may require the help of an experienced clinical negligence solicitor to reach a successful resolution. We can arrange for a specialist negligence lawyer to assist you in making your claim, and processing it for you. Talk to one of our advisors to learn more about this.
No Win No Fee Accident Claims Solicitors Covering Watford
Choosing a No Win No Fee solicitor can carry all the risk. The solicitor wouldn't charge you to start working on your claim, or while they are processing it for you. You would need to sign a No Win No Fee agreement though. They also wouldn't charge if your claim was unsuccessful. They would only charge a fee when they have received a compensation payment for you. Legal fees would then be deducted automatically, and the remainder of the compensation passed over to you. Would you like to know more about legal fees and the cost of making a claim? If so, speak to one of our advisors today on the number below.
Contact Us
Are you ready for one of our panel of accident claims solicitors to begin working on your claim for you? Or perhaps you still have questions about the claims process, or need some of the information in this guide expanded on? No matter what you need, our team is here to help. Give them a call on 0800 073 8801, explain what you need, and they will help you.
Answering Frequently Asked Questions
How Could A Solicitor Help Me Make An Injury Claim?
You solicitor will be able to provide you with vital information and accidents claims advice such as an accident claim estimate for many different compensation claims. They will also answer any questions you have, such as; accident claim how long does it take? However, the primary role that your accident claim solicitors will fill, is negotiating a compensation settlement with the party responsible for causing the accident that harmed you. They will handle all the legal aspects of the claims process, and hopefully, secure a compensation payment for you.
Is It Best To Find A Local Law Firm?
You can use a local personal injury solicitor if you want to for personal injury cases in Watford. But you don't have to, there is no rule saying you must. You would be best off choosing a solicitor based on whether they would be effective in processing your claim, and give you a good chance of your claim being successful.
Why Do Claims Need Independent Medical Assessments?
You can use a personal injury claims calculator to get a rough estimate, but that is where their ability stops they do not take into account any special damages that will be awarded as each and every case is different. The solicitor will require you to undergo a medical examination, to evaluate your injuries, before they can give you an accurate estimate of the amount of compensation you might receive.
Where Could I See A Doctor From Your Panel Of Experts?
All claimants unless accepting a pre med offer will undergo a medical assessment as the solicitor will need to do this so that they can put together a compensation package for their client. We have a panel of doctors all over the UK that can undertake this assessment on our clients behalf:
Reheela Khand | 54 Clarendon Road, | Watford | WD17 1DU |
Hassan Mehdi (Medco) | Holiday Inn Express – London Watford Junction | Watford | WD17 1UE |
19 Bridle Path | |||
Asef Zafar | 15-17 Exchange Road | Watford | WD18 0JD |
Pankaj Tanna | Bridgewater House Surgeries | Watford | WD18 7QR |
7 Printers Avenue |
If you want us to go ahead with this, give us a quick call on the number above and we can start arranging the appointment for you.
Could accident claims solicitors covering Watford assist me if the driver that caused the accident isn't insured?
If you are injured in a road traffic accident caused by someone else, you could usually claim compensation against their insurance. However, what happens if they don't have insurance at the time of the accident? Could you still claim compensation? Could personal injury solicitors covering Watford assist you in this? Luckily, even if a person has no insurance at the time of an accident, if the accident wasn't your fault, you could claim via the Motor Insurers' Bureau. This is an organisation which aims to reduce the number of incidents of uninsured driving in the UK. They also could compensate victims of uninsured driving that caused personal injuries. We could help you make a claim for compensation if you've been injured in this way. In addition, if you were injured by someone who left the accident scene and couldn't be traced, the MIB could also compensate you in this situation. If you'd like us to take a look at your case to see if you could have a valid MIB claim, we'd be happy to do so.
What do I need to find out about accident claims solicitors covering Watford before choosing them for my claim?
Your lawyer could have a significant effect on not only the success of your claim but also the compensation settlement you receive. Therefore, you should choose the law firm or solicitor you work with carefully. You'll now be well aware that you don't have to opt for a local solicitor for your case, which is good news, as you have lots of solicitors registered in England and Wales to choose from. However, will all this choice, you might want to ask them some questions to narrow down your options. Some of the questions we could advise you to consider could include:
• Are they authorised and regulated by the Solicitors Regulation Authority?
• Do their previous clients recommend their service?
• How many years experience do the solicitors have, and how successful have they been in past cases?
• Have they dealt with any claims that are similar to yours?
• Could they provide free legal advice and a free, no-obligation case check to see if you could have a valid claim?
• Would they work with you on a No Win No Fee basis?
• How do they keep you updated throughout the claims process?
Accident Claims UK advisors would be happy to answer these and any other questions you'd like answering when making your choice. We want you to have peace of mind that our solicitors could fight for the maximum compensation possible for your case.
Local Information And Services
How To Report An Accident At Work
The Local Hertfordshire Council
Data Related To RTA In Hertfordshire
You might also like to read these other guides on this site:
How To Claim For A Rail Accident
Claiming For An Accident In A Public Place
Thank you for reading our guide to accident claims solicitors covering Watford claims. We hope this provided useful information on choosing personal injury solicitors for Watford claims.


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As an entrepreneur, you are almost inevitably confronted with the subject of cancellation invoices . Another accounting issue is directly linked to the cancellation invoice – the credit note . To put it more precisely, a cancellation invoice has the effect of a credit note. Creating a cancellation invoice is always necessary if you have to cancel the previous outgoing invoice. In this article you will find out what the term cancellation invoice is all about, what consequences it has and what you have to pay attention to.
What is a cancellation invoice?
The cancellation invoice is issued when an incorrect invoice needs to be corrected. It is therefore very often referred to as an invoice correction. From a commercial point of view, the cancellation invoice is simply a credit . The cancellation invoice is derived from the Italian word "cancellation", which means something like delete, cancel, undo, dissolve . Like many other accounting terms, it has its origins in the Italian language.
Cancellation invoice – when do I need a cancellation invoice?
It is certainly not a mess of work or sloppiness. But it happens again and again: You have to make an invoice and you make a mistake. But that is not a problem at first. Before there is a complaint , you simply correct the error or errors in the invoice. This is done with a cancellation invoice. In practice, there are two main reasons for creating a cancellation invoice.
- You made the invoice incorrectly
- The performance, which was stated on the invoice and billed, is not, or only partially with substantial defects been provided
This means that in most cases a cancellation invoice is preceded by a complaint by the invoice recipient. They have no choice but to complain about the invoice to you as the invoice issuer. He himself is not allowed to manually correct an incorrect invoice . As a result, you have to create a cancellation invoice for the incorrect invoice.
It is important for you that you pay particular attention to the retention periods for invoices, especially for cancellation invoices. You should be able to explain the reasons for this cancellation invoice at any time based on your documentation of such an invoice .
A cancellation invoice is therefore necessary!
A cancellation invoice is necessary for several reasons. First of all, each of your customers has a right to an invoice correction. The following reasons also make a cancellation invoice necessary:
- If the invoice is not corrected, the customer's right to deduct input tax is at risk
- an uncorrected calculation can have consequences
- Deliveries are missing or incomplete
- Information on the sales invoice contains spelling errors
- Not all mandatory information is included on the outgoing invoice
Mandatory information on a cancellation invoice
With the cancellation invoice, too, you have to pay close attention to the mandatory information required by law in order to be able to write your invoice correctly . Anyone who does not do this can run into serious problems in the event of a possible tax audit. In addition to the mandatory information , it is very important that you also pay attention to possible spelling errors . These are also the reason that an invoice correction is necessary. According to the Value Added Tax Act, the following information is required by law in the cancellation invoice :
- Name and address of the invoice issuer
- Name and address of the invoice recipient
- your tax number or your sales tax identification number
- the date of issue of the correction invoice
- a consecutive invoice number that is only issued once
- the date of issue of the original invoice
- the invoice number of the original invoice
- exact quantity and type of delivery or service
- Indication of the net amount
- the applicable tax rate
- the resulting tax amount
- a minus amount resulting from the cancellation invoice
- possibly an addition to a small business regulation
Only if all this information is also included is the cancellation invoice valid under the Value Added Tax Act.
With all the mandatory information, it can happen that my information is incorrectly processed or forgotten. Instead, you can simply use digital software so that you can quickly and easily write invoices that already contain all mandatory information !
Form, content and structure of a cancellation invoice
The above-mentioned mandatory information for a cancellation invoice is firmly regulated in § 14 Paragraph 4 UStG and is described in detail there. This means that they have to be included in every invoice. It is also important that you always make sure that a cancellation invoice can always be assigned to the incorrect original invoice. For this reason, it is particularly important that the new invoice always contains the actual invoice number . In addition to the date of the cancellation invoice, the date of the invoice, which had to be corrected, must also be visible. In addition to the points listed, your cancellation invoice must contain other components :
- The cancellation invoice must be clearly marked as such . You can do this with terms such as cancellation invoice, invoice correction or correction invoice.
- The cancellation invoice needs a separate invoice number , but should also have a reference to the invoice number of the original invoice.
- With a comment such as "This will cancel the invoice (+ invoice number) from (invoice date), you are making a clear reference to the original invoice.
- All items on the original invoice must be identical to those on the original invoice


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33-year-old Kwame McSolomon bagged first class degree when he was 24 years old and resort to hawking second-hand clothes to keep body and soul together as he was unable to get a job.
Not minding his parents' humble background, he struggled through school to graduate with first-class from the university.
Kwame completed his senior high school when he was 20 years old before he gained admission into the University of Education, Winneba, Ghana, where he was awarded a first-class degree in Bachelor of Science Management Education.
He has made several attempts to secure a job but none yielded positive.
This made him resort to selling used clothing which he collects from a supplier and he sends the bulk of the money to his supplier.
The young man hopes to get a better offer soon as he would not relent in doing his best.
Online users have reacted that such a big brain has a lot to offer for him to have graduated with such a class degree in Management Education.


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I had the brief opportunity to talk to WBA and IBF light welterweight title holder Amir Khan yesterday at the workouts for this weekend's Khan vs. Peterson event. Khan confirmed after this fight is over and if he presumably gets by Lamont Peterson, this is his last fight at 140 pounds. "There are no more tests at this weight. We've proven that we're the best in this division. Hopefully, we can get past Lamont Peterson," Khan said.
Khan recently predicted Miguel Cotto would defeat Antonio Margarito in their rematch. When asked if Khan would be willing to face the rejuvenated Cotto at welterweight, the response was unequivocal. "Yeah, definitely," Khan replied. "I'd love to take that fight."
Khan vs. Peterson takes place at the Walter E. Washington Convention Center in Washington, D.C. on December 10th. The fight will air on HBO.
For more Khan vs. Peterson coverage, be sure to follow SB Nation's boxing blog Bad Left Hook as well as SB Nation DC.


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Application of Isotopes and Recharge Analysis in Investigating Surface Water and Groundwater in Fractured Aquifer under Influence of Climate Variability
Received Date: Jun 06, 2013 / Accepted Date: Jul 20, 2013 / Published Date: Jul 25, 2013
The impact of Climate variability on water resources (surface and ground) was conducted to assess the effect of meteorological forcing on isotopic and recharge characteristics of the granitic and fractured aquifer, located in Pallisa District (Kyoga basin), eastern Uganda. The paper investigated the application of environmental isotopes and using the EARTH Model in determining the groundwater levels response to rainfall of the fractured aquifer. The granitic fractured aquifer is characterized by shallow to deep water table conditions that vary between 5-50 meters below ground level and quick groundwater level response to rainfall events which justified the application of the EARTH model to demonstrate the groundwater level fluctuations of the single monitoring Well-002. Groundwater fluctuations from the observed hydrograph at the monitoring station vary between 8.8 and 13.48 mamsl with an average hydrostatic fluctuation of 11.42 mamsl. Oxygen-18 (δ18O) and deuterium (δ2H) compositions mostly plot below the Local Meteoric Water Line (LMWL) indicating that the surface water and groundwater in the aquifer was exposed to evaporation before or in the recharging process. In the study, groundwater levels response to rainfall events by the EARTH method is the quantitative estimation of groundwater recharge for Pallisa District watershed. Generally, the study findings suggest that applications of precipitation isotopic rainfall data for light and heavy mean monthly rainfall (mean rainfall of 138 mm) and the EARTH model to assess groundwater recharge can improve the understanding of the process under climate variability.
Keywords: Climate variability; Isotopes; Rainfall recharge; Earth model; Groundwater level fluctuation; Fractured aquifer; Pallisa district; Eastern Uganda
Citation: Nyende J, van Tonder G, Vermeulen D (2013) Application of Isotopes and Recharge Analysis in Investigating Surface Water and Groundwater in Fractured Aquifer under Influence of Climate Variability. J Earth Sci Clim Change 4: 148. Doi: 10.4172/2157-7617.1000148
Copyright: ©2013 Nyende J, et al. This is an open-access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.
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Shipping and Wholesale
All online orders for local delivery will be delivered on Tuesdays only. Orders for shipping will be fulfilled and dropped off at Canada Post in 1-3 business days.
The shop is open Wednesday – Sunday (9am – 4pm) for in store purchase.
****We are doing free deliveries for local Squamish addresses. Use the code IAMALOCAL (for Squamish only).****
We are offering free shipping for orders over $75, and discounted shipping for orders under $75. We will be shipping out in 1-3 business days for orders outside of Squamish, using Canada Post Expedited Service. Please be aware that Canada Post has high volume right now, and your order may take an extra couple of days to arrive.
Please contact us for information on wholesale orders for cafes and restaurants, or for International orders. We also can provide full hot beverage service through our partnership with Soave Distributing.