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Market Volatility: Friend or foe?
Joseph Mariathasan explores whether risk parity contributes to turmoil in the market
At a glance
• Market volatility does not follow a normal distribution.
• Volatility targeting within risk parity funds can create a herding effect.
• Risk parity is unlikely to be a cause.
• But risk parity may cause problems in the future.
What has become known as the active-passive debate is now a foundational discussion within the investment industry. It raises fundamental questions about the proper role of asset managers. Should they be using their superior skill to outperform the market, or should they accept the more modest role of simply tracking indices?
Trying to model the behaviour of equity markets has become increasingly difficult. It is clear they do not follow a 'normal' Gaussian distribution. The existence of fat tails seems to be conclusive and hence a higher-than-expected frequency of black swan-type events. But are the trading strategies that have become popular in recent years adding to market volatility, and is risk parity at least partly to blame?
The S&P 500 returned -6.26% in the month of August 2016 in dollar terms, its worst return since May 2012, which many hedge fund managers that were forced to sell equities as market volatility rose attributed to risk parity strategies. A JP Morgan analyst, Marko Kolanovic, quantified the volume of possible selling by risk parity strategies in various market scenarios and concluded that this could be in the hundreds of billions of dollars. Such comments resulted in a vigorous defence of risk parity by its major proponents, including Bridgewater and AQR Capital Management.
What is clear, is that technical selling does appear at times to overwhelm any fundamental valuations, creating large short-term movements leading to sharp gapping in prices: "We have seen, over the past year to 18 months, an increasing number of these big multiple standard deviation one-day moves in bonds and currencies," says Stephen Coltman, a senior investment strategist at Aberdeen Asset Management. "But these big one-day gap moves haven't been sustained. You have a flurry of short-term activity and then the market normalises."
Has market volatility been exacerbated by particular types of investment strategies? As Coltman argues, volatility targeting has become an increasingly widespread way of managing assets, and that has implications: "Looking at your risk in terms of the realised volatility of your profit and loss has become popular. But those strategies, by their nature, will be pro-cyclical in terms of adding risk as volatility goes down and reducing risk as volatility goes up, which typically means extending a move that has already started."
So, as Coltman explains, if the euro starts rallying and the daily volatility is declining, CTA (commodity trading advisor) hedge funds will build up exposure in a market over the course of the trend, as markets that are trending will often exhibit declining volatility. When the trend starts to falter, there is a change in direction and an increase in volatility. CTAs that follow that trend will cut their positions. First, because the trend has finished, and second, because they have to reduce their position size as volatility has increased.
"The combination of those two elements, and the fact that they respond quite quickly to market movements, means that you get these gaps," Coltman concludes. As he points out, CTAs can be 3-5 times leveraged and, in contrast to risk parity, a trend-following strategy will be aggressively long an asset and then move to be short an asset.
In contrast, a risk parity fund will always have a long exposure to an asset but just trim and manage that exposure to keep it in proportion to other exposures in the portfolio without a wholesale change in direction. But there may also be other big players, including banks hedging structured products and derivative exposures which, again, will respond to short-term changes. In contrast, risk parity tends to rebalance monthly or a different frequency, depending on the manager.
Managers run risk parity strategies in different ways, but Coltman argues that these approaches are essentially passive and that they tend to rebalance without taking a negative or positive view on assets, always trying to maintain a long portfolio across different assets. So, even if a risk parity manager has some leverage, it is usually tweaking at the edges to get the desired allocation.
Risk parity is an example of a volatility-controlled strategy that responds to changes in market volatility by increasing or decreasing leverage, so increasing equity volatility and correlation to other assets would lead to risk parity portfolios reducing equity exposure. In that sense, there is clearly a theoretical problem that when there is a bout of increased equity market volatility there may be a case of too many elephants trying to squeeze out of the exit door.
But risk parity might not be a significant enough strategy to be a problem in this case. Bridgewater's Ray Dallio argued last autumn that US pension funds have allocated about 4% of assets to risk parity strategies, amounting to around $400bn (€354bn), of which Bridgewater's own All Weather Fund accounts for $80bn. He estimated that if external managers cut their risk by 25%, it would result in a sale of $20bn spread across global equities, bonds and commodities. Typical equity holdings are 35%, with half in US equities, so a 25% reduction would only amount to $4bn, while the overall trading volume in US equities for the period of high volatility was $200bn per day. Relative to overall trading volumes, the impact of risk parity trading would appear to be miniscule.
If risk parity is not to blame for increased market volatility, then what is? Other forms of systematic trading could certainly have contributed more than risk volatility: "You have an increasing number of other types of trading such as high-frequency trading and model-driven systematic strategies that respond very quickly," says Coltman.
As he points out, there are huge problems arising from central bank policies, which are driving considerable flows in the market. The European Central Bank (ECB) is buying €80bn every month and investors are positioning themselves in anticipation of central bank action, which leads to crowded one-way sentiment in the market. Coltman continues: "There have been a couple of times with the euro and the yen when central banks were heading into meetings with investors positioned for further quantitative easing which didn't happen, leading to very large moves counter to what had been expected. That's largely due to positioning by short-term traders."
Should investors then feel secure with risk parity in the knowledge that it does not increase market volatility significantly? Probably, but they may face other more serious issues – such as the future performance of risk parity strategies and the correlation between asset classes, including stocks and bonds, and the ability for managers to generate returns. Risk parity may not be contributing to market volatility significantly, but it might not prevent risk parity investors from having a rough ride in the future.


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This is what happens when all the youngsters in world football want to lay for you. Barcelona would be forced to let go of 13 of their youth players this season due to registration rules in the Segunda Division.
Barcelona B plays in the Segunda division and are a decent side but arfe only allowed to register 22 players in the Segunda division. The Catalan club currently have 32 youth players in their books and it is needless to say that the senior team is full meaning that 13 players would be ineligible to compete for Barcelona B this season and would either be released or loaned out before the close of registration for the seaon.
Among the player rumored to be on their way out are Adama Traore and Sergi Samper as well as Alen Halilovic.

subset: commoncrawl


text: I've never understood how some architects prefer to only design projects and never see them built or only provide drawings for permitting, but do not provide construction administration to finish out the project. The process of designing a building, both the exterior and the interior, is exactly that … a process. It begins with a site, then initial sketches and ideas, then drawings and then, ultimately, it ends with construction. During the construction period, design continues, details are resolved and puzzles are solved. No matter how good a set of drawings are, existing conditions or even details that just can't be foreseen due to the nature of the beast, are dealt with, but only during construction and not by oneself. It allows the architect to work out details, but more importantly, it allows the architect to create and foster relationships with the men and women building the project. These relationships create a team and that team creates a better project for the owner. The feeling of putting on boots in the morning, rather than my Pradas, grounds our profession in what architecture is really about … getting dirty. Because when you get dirty, it means it's being built and you're a true part of that accomplishment.


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The task order (TO) provided full time technical and program management support to the Military Family Housing (MFH) operations, maintenance, construction and environmental programs. The TO was funded and reissued with annual funding. However, it was a continuous three year effort providing oversight to the entire Kadena AB MFH program. The team provided oversight of MFH construction activities including replacing duel temp lines and domestic water lines, HVAC systems, and hot water heaters in housing units; replacing lobby, garbage, and dryer exhaust fans at 4 tower housing units; overseeing punch list corrections; conducting final inspections; repair/replacement of drainage ditches; and tree trimming in northern and southern areas of the installation.
Services: Project Management, Construction Services
Budget: Contract Value – $173,000
Partners: Ageiss Inc.
The task order required a technically trained construction project manager to be able to ensure quality and compliance with plans and specifications as well as Air Force Instructions, DoD Unified Facilities Criteria and current building codes. Provisional technical services during construction, inspections, and evaluation of engineering projects and related services was provided. The one year task evolved into over three years of constant involvement by Atriax!


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Bandai Namco has announced the Dark Souls Trilogy, which packs all three games in one handy package, will be coming to Europe in March.
Following the release of the trilogy in North America and Asia in October last year, Bandai Namco has finally decided to give those in Europe the same hard-as-balls treat. Come March 1, players will be able to "git gud" in Dark Souls: Remastered, Dark Souls 2: Scholar of the First Sin, and Dark Souls 3: The Fire Fades Edition.
The collection will be coming to PlayStation 4 and Xbox One. Unfortunately, it looks to just be the base game with no Steelbook version being made available, though this could hopefully change.
See the announcement tweet below:
At long last, it will arrive in those transitory lands. Dark Souls Trilogy, available in the EU, March 1, 2019. #DarkSoulsRemastered #DarkSouls2 #DarkSouls3 pic.twitter.com/KF1gOkffNZ
— Dark Souls (@DarkSoulsGame) January 11, 2019


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Job Description
Location: Arlington, VA - Washington, DC
Accenture Federal Services, a wholly owned subsidiary of Accenture LLP, is a U.S. company with offices in Arlington, Virginia. Accenture's federal business has served every cabinet-level department and 30 of the largest federal organizations. Accenture Federal Services transforms bold ideas into breakthrough outcomes for clients at defense, intelligence, public safety, civilian and military health organizations.
We believe that great outcomes are everything. It's what drives us to turn bold ideas into breakthrough solutions. By combining digital technologies with what works across the world's leading businesses, we use agile approaches to help clients solve their toughest problems fast—the first time. So, you can deliver what matters most.
Count on us to help you embrace new ways of working, building for change and put customers at the core. A wholly owned subsidiary of Accenture, we bring over 30 years of experience serving the federal government, including every cabinet-level department. Our 7,200 dedicated colleagues and change makers work with our clients at the heart of the nation's priorities in defense, intel, public safety, health and civilian to help you make a difference for the people you employ, serve and protect.
Key Responsibilities:
- Understand and translate business and functional needs into machine learning problem statements
- Translate complex machine learning problem statements into specific deliverables and requirements
- Design and develop scalable solutions that leverage machine learning and deep learning models to meet enterprise requirements
- Work closely with data scientists and data engineers to develop machine learning algorithms
- Work on Optimization of Neural Net and Deep Learning models for inference
- Translate machine learning algorithms into production-level code
- Collaborate with development teams to test and deploy machine learning models
- Create metrics to continuously evaluate the performance of machine learning solutions
- Maintain and improve the performance of existing machine learning solutions
- Ensure adherence to performance standards and compliance to data security requirements
- Keep abreast with new tools, algorithms and techniques in machine learning and works to implement them in the organization
- Proficiency in machine learning algorithms such as multi-class classifications, decision trees, support vector machines and deep learning
- Strong understanding of probability and statistical models (generative and descriptive models)
- Ability to run experiments scientifically and analyze results
- Ability to effectively communicate technical concepts and results to technical and business audiences in a comprehensive manner
- Ability to collaborate effectively across multiple teams and stakeholders, including analytics teams, development teams, product management and operations
- Strong Computer Science fundamentals in algorithms, data structures, OOPS, functional programming
- 1 year of experience in building and evolving complex software systems for data processing and machine learning workloads
- 1 year of experience with Big Data processing and ML cloud native services on one or more Cloud Platforms (GCP, Azure and/or AWS)
- 1 year of experience with productionizing developed machine learning solutions
- 1 year of knowledge and experience with databases – SQL, NOSQL
- 1 year of experience with Python
- Strong grasp of principles and approaches used in data-driven systems, processes and algorithms
- Experience with ML algorithms for time series data-sets
- Experience with stream processing frameworks / complex event processing engines
- Scripting skills in at least one of the following: Shell, Perl, Bash, or Ruby
- Experience with performance engineering including testing, tuning and monitoring tools
- Basic familiarity with continuous integration tools and frameworks
- Bachelor's degree in data science, applied mathematics, computer science or otherwise research-based field
Candidates who are currently employed by a client of Accenture or an affiliated Accenture business may not be eligible for consideration.
Applicants for employment in the US must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States and with Accenture (i.e., H1-B visa, F-1 visa (OPT), TN visa or any other non-immigrant status).
Accenture is a Federal Contractor and an EEO and Affirmative Action Employer of Females/Minorities/Veterans/Individuals with Disabilities.
Equal Employment Opportunity
All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law.
Job candidates will not be obligated to disclose sealed or expunged records of conviction or arrest as part of the hiring process.
Accenture is committed to providing veteran employment opportunities to our service men and women.
LocationsDC,DC - Washington,VA - Arlington
Equal Employment Opportunity Statement, Requesting an Accommodation, and Other Employment Statements
Equal Employment Opportunity Statement
All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law.
Accenture is committed to providing veteran employment opportunities to our service men and women.
For details, view a copy of the Accenture Equal Opportunity and Affirmative Action Policy Statement
Requesting An Accommodation
Accenture is committed to providing equal employment opportunities for persons with disabilities or religious observances, including reasonable accommodation when needed. If you are hired by Accenture and require accommodation to perform the essential functions of your role, you will be asked to participate in our reasonable accommodation process. Accommodations made to facilitate the recruiting process are not a guarantee of future or continued accommodations once hired.
If you would like to be considered for employment opportunities with Accenture and have accommodation needs such as for a disability or religious observance, please call us toll free at 1 (877) 889-9009 or send us an email.
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Job candidates will not be obligated to disclose sealed or expunged records of conviction or arrest as part of the hiring process.
The Company will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. Additionally, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the Company's legal duty to furnish information.
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RFID Library Management System
Shrinivas Kanade
Jan 28, 2019
Managing thousands of books in a library, and locating and providing them to the readers in a short time, is not an easy task. These tasks can be handled with ease by using the RFID technology.
Radio frequency and identification technology has been in use since the 1970s. There are 3 types of RFID tags: active, semi-passive, and passive. The devices that use this technology can store a vast amount of information.
Active tags contain batteries that power their internal circuits, and transmit signals to a RFID reader, within a range of 100 feet. With additional batteries, this range can be increased to 300 feet.
Semi-passive tags have internal batteries that are used only to power their internal circuits.
Passive tags don't have internal batteries.
Semi-passive and passive tags draw their power to broadcast a signal from a RFID reader, which is a device that can transmit and receive radio signals. It is built to store encoded data in the tag's microprocessor.
Because of their high cost, active and semi-passive RFID tags are used for valuable asset tracking.
An RFID tag consists of an integrated circuit and an antenna, which enables it to function as a transponder. It can be attached to any item, and the information about this item stored in the tag. Details such as name, origin, price, ownership of an item, etc., can be a part of the information that is stored in the tag's microchip.
When a RFID reader tries to read data from a tag, its antenna emits electromagnetic energy that is received by the tag's antenna. The tag's microchip uses this energy to emit a radio signal using the antenna.
The reader receives this signal, and passes the information to a computer network, which can provide information about these tagged items and their present status to a computer user.
The system consists of books attached with an RFID tag, an RFID reader, a computer network, and related software to handle the information. The staff conducts lending, returning, sorting, and book tagging operations.
A person can locate books that are tagged by using the RFID reader, which identifies and locates the book based on the emitted signals. When it is carried to the counter, the staff can either activate or deactivate the electronic article surveillance bit in the book's tag.
If a book is borrowed, then the surveillance bit is deactivated, and the opposite happens when it is returned by the reader.
The main entrance of the library is equipped with a RFID antenna, which receives radio signals from the RFID tags that are attached to each of the books, which are being carried out of the library. It signals a warning, in case the book's tag has its surveillance bit active.
In this way, the system controls the inflow or outflow of tagged books, and prevents the theft of books. When a book is returned, the surveillance bit in its tag is activated, and the book cannot be taken past the entrance of the library, without an alarm being sounded.
Borrowing and returning of books can be fully automatized with the help of self check-in/check-out systems. This system involves installation of a special software. A person using this system to borrow books, is presented with options on a computer screen.
The person has to identify himself with a code, or any form of unique identity code assigned to him by the management. Books selected by the person are identified by the system's RFID reader, and the surveillance bit in the book's tag is deactivated by the system. When a book is returned, the check-in/check-out system activates the tag's surveillance bit.
Most of the library staff's time is spent in recording information of incoming and outgoing books. Using this technology in libraries saves time by automatizing their tasks. It also saves a user's precious time, which would have been spent in waiting for his turn in a line.
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As low as $29/month. Apply Now
Although pretty in pink it is, this customizable chair can be made in any color you like! Go bold to create an attention-grabbing piece or opt for a more subdued hue to impeccably tie your room together. Built by hand on a hardwood frame, you can be sure this looker will stick around for a lifetime of happy seating.Create Yours
Kick back in total comfort with the deep cushioned seating of the always welcoming Aami chair. With straight lines and a boxy profile that offers support in all the right places, four perfectly placed tufted buttons add a touch of frisky fun to this chic little number.Create Yours
A modern take on traditional design, the Aami Accent Chair will quickly become your favorite cozy retreat. Sitting solid on four pin-straight legs, the low shelter arms and sleek lines make this addition to your home one that adds stunning style without overwhelming the room.View Photo Gallery Create Yours
A slightly angled back makes for a friendly, accommodating sitting experience.
Thick, premium cushioning maintains its shape without sagging while offering plenty of comfy support.
A tall back cushion and low shelter arms makes this chair just the right height for any setting.
With over 100 colors of fabric and leather to choose from, go ahead and brag to your friends that you're the designer. We won't stop you.See It In Every ColorCreate Yours
Request one of our free swatch kits and bring the showroom to you. See, touch and experience them for yourself.SEND A SWATCH KIT
Saving the rainforest, one tree at a time. Planting trees with every purchase, we're committed to making a healthier, more sustainable planet. 577,159 trees planted


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DDR4 memory is starting to trickle out, and Samsung's latest modules are particularly notable. The server-oriented RDIMMs are populated with 3D memory packages that stack multiple dies on top of one another. This so-called TSV memory is different from the firm's 3D V-NAND, which stacks multiple layers of memory cells within a single die. Samsung explains:
To build a 3D TSV DRAM package, the DDR4 dies are ground down as thin as a few dozen micrometers, then pierced to contain hundreds of fine holes. They are vertically connected through electrodes that are passed through the holes
Each TSV chip stacks four 4Gb dies. The dies are built on "20-nanometer class" fabrication technology, which is vague Samsung-speak for a process node between 20 and 30 nm. Samsung expects to be able to stack even more layers in the future, enabling higher-capacity modules. These latest ones weigh in at 64GB each.
Achieving higher densities isn't the only benefit to stacking DRAM dies. Samsung claims its TSV-infused DDR4 module "performs twice as fast as a 64GB module that uses wire bonding packaging, while consuming approximately half the power." Enterprise customers should appreciate both of those attributes.


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Emergency department doctors are being exposed to "distressingly" high levels of bullying and harassment within Australian hospitals.
The finding is the result of a membership survey conducted by the Australasian College for Emergency Medicine (ACEM) aimed at identifying unacceptable behaviour in the workplace.
More than a third or 34 per cent of those surveyed said they had experienced bullying.
Just over 20 per cent experienced discrimination, 16 per cent reported harassment and 6.2 per cent said they had experienced sexual harassment.
ACEM President Professor Tony Lawler says they will immediately move to address the findings.
"We owe a duty to our members, fellows and trainees to do what we can to ensure emergency medicine is practised in a respectful and inclusive environment," Professor Lawler said in a statement on Wednesday.
"We will use this experience to listen to and engage with our members to bring about meaningful cultural change and address the problems caused by some members of our profession.
"As health care workers on the frontline and directly in the public eye, emergency physicians need to take a leadership position and champion and model the high standards of behaviour we expect of others."
The College will consult with members to prepare and publish an action plan by the end of November addressing the survey findings.


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Stoneworks International supports the work of Spring of Revival in Belarus. Please keep them in your prayers as they face times of trials and fruit-bearing. Here is a report from Olga Goncharenko, the director of SOR.
Greetings dear friends and supporters,
As we celebrated Thanksgiving we counted our blessings and thought of you as one of them. Thank you for being with us and for all your prayers. We are alive and well despite all the pressures, and we are blessed because we have Jesus.
This fall was very fruitful in friendship and things we did. First of all, the pigs made it to Stankovo orphanage barn with pig food for the year. And the orphans were blessed with potatoes, carrots and cabbage as well for the whole year. We presented orphans at Slytsk with a washing machine, so now they can do laundry themselves in their group area.
Three times we did a "cutting project". A group of Christian ladies from a different town, Mogilev, asked us to share our experience of how to start a ministry to orphans. Our staff members shared some things and we wanted to follow with practice, so we took them to the orphanages with us and since all of them are hairdressers, they did hair cuts for kids and shared about their faith too. Moreover, we found a contact person in the orphanage in their town (that's where my parents live) and made a connection for the ladies to visit the orphans there.
Also, we did a cooking class at Slytsk orphanage for one family group of kids (brothers and sisters of different ages). We like this project as it's very practical and helps orphans a lot. We had a girl Ira in our group this time, and I asked her to boil eggs for the sandwiches but she didn't know how to do it. And Ira will graduate this coming May. After our lesson, I asked her if she knew how to do it and she said "yes". And while we are eating, we like to talk about their future and help them to build self-esteem, as many of them think that they are not worthy or not able to go to college for further studies.
Twice a month or so, we sit around the table, having tea and cakes, with a group of orphans. We discuss different topics and give a Christian view on them. And in between all the visits to orphanages, we try not to forget those orphans who are in the hospitals. Andrey, 11 years old from Stankovo, had surgery on his leg (it was 2 inches shorter) and now he has to spend a long time in bed.
We continue to open the doors of our home for orphans and graduate orphans. During the Fall break we had an orphan, Masha, who is in her last year of the orphanage, stay with us for a week. She made good friends with my kids and really enjoyed family stay, rather than staying at the orphanage. Also, it's a great opportunity to disciple. Besides, we have graduate orphan girls come to our home and church.
This month we have a special praise report as after one of our visits to Stankovo, the teacher has asked us if they may visit our church with the kids. And they did. We took them to children's Bible school and after that we went to McDonald's. It was 15 kids and two teachers. It was a double blessing for us at this time as our government is trying to put down the work of all organizations that have connections with Christianity (as you know they have turned down many foreign missionaries and now Belorussians are pressed), but despite all of that we see good results from our work, and we are ready to go on for as long as there is a way.
We ask you to continue to pray for SOR and for us personally as we continue to have pressure from the authorities: they have made a determination to shut us down. They have done everything possible to do it. We have had all sorts of check ups, starting from local tax police and ending with the General Prosecutor's office trying to find a way to shut us down. But nothing was found, so we are still on. So, a few weeks ago they went to the owner of the building we rent an office from (it's a private place) and talked to him for three hours trying to make him kick us out, and if we were to lose our address they were going to close us. Usually a 30 day period is given to find a new place, but they use a date that has passed (like a month ago) and shut you down immediately. The guy is tough and didn't do it their way. It helps at least for a while, but they may try to do something else. And we do not know what they will do next. It's really very serious and we need prayers. A lot of them, and especially for protection.
Also, we ask you to pray for our Christmas projects, and we are still looking for Christmas gift donations. Thank you dear friends and may you be specially blessed this season.
We continue to put our trust in Jesus and let him rule our lives and SOR.
Olga Goncharenko and the Spring of Revival Staff
Spring of Revival, Belarus


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Life ChangesBy
I write this blog with more of a heavy and emotional heart. It has been a couple of weeks since I have written a blog post, as I continue to heal from a major event that happened in my life. What I will be writing about is something that I need to get off my chest and is a topic I am very passionate about. I also need to note that not everyone will agree with me and that's ok.
As we transition from teenagers into young adults, we feel that there are certain rights of passage that we go through. Some of these things would include buying your first car, going off to college or even getting your first "grown-up" job. Some of these life events center around birthdays, like buying cigarettes on your 18th birthday or going to a bar on your 21st birthday. Even a current change that is going through the country is using marijuana. But one thing that is not talked about enough are the dangers that come along with these "rights of passage," especially when you participate in those things and then choose to drive when you are not safe to do so.
Many people experience going to a party and having a good time or "loosening up" after a long hard day at work/school. The difficult thing about these scenarios are the choices that are made afterwards. The question would seem obvious but yet so many make the mistake. Am I safe to drive? Some will think that they are so close to home that there is no need to worry or some even think that they are a better driver under the influence. These thoughts are like playing with fire. You don't know how things are going to turn out or who you are going to affect. It takes one time, one choice, one mistake for something negative to happen. What was once just a party or a get together is now a bad memory with consequences that have to be dealt with for a lifetime.
What I am eluding to is driving under the influence. When you google DUI's or DUI with an arrest, you get a multitude of results. What remains consistent is that many people make the choice every single year, week and day. While there are times that a person may make it home safe and sound, there are others where an event occurs. A person can get pulled over, you can hit a sign, hit a pedestrian or you can hit a car full of passengers. Not only does this event change your life, but you are changing someone else's life. Not only do you have to leave with that mistake, but then deal with the consequences that come with the choice you made.
I know this seems random and out of nowhere and I am currently unable to provide any clarification. I hope to write about it in the future as I continue to heal and move forward. My husband has written about the experience as well. You can find his blog at http://www.disneypapaof5.com and this will be able to provide some background. Out of this experience, I have been affirmed that my family is protected by an angel and by the grace of God.
As far as my blog, I promise that more writings are coming and that I am working on getting back into the groove. I enjoy my blog as a place to write, process and move forward. I look forward to everyone reading my future content.
Until Next Time…


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Help please!
So yesterday morning - 10 dpo - I had a huge dip in my temp and I immediately thought I was out. I had cramps the whole day so I definitely thought AF was on her way. This morning, there's no sign of AF, cramps went away, and my temp went way above the coverline again. Any thoughts? I got excited this morning so I tested but I got a bfn.


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What are these "averages" can we see everywhere, such as tables, calculate your ideal weight: for people body type in the tables ideal weight, often be redundant, but for big-boned is insufficient. The fact that bio-rhythmology offer to prove their arguments ("in the winter, our bodies in a state of hibernation, and the sun sets earlier, so we gain weight "), does not hold water. Here, just for instance, the most common, scientific evidence as to why we polneem winter, where the theory and practice are in order: 1. In winter, we eat less greens and vitamins. Beriberi unbalanced diet + = inhibition of metabolism. 2.
In winter, a very pale color palette, dominated by white and gray. Depression. 3. If you have additional questions, you may want to visit Rand Paul. In winter, we spend much more time indoors. Lack movement. If you are not convinced, visit Jim Hackett. 4.
In winter, we are constantly confronted with the cold. When cold, the body tries to hold the fat for protection from hypothermia (which is why, among the "walruses" man with a slender figure – a very rare occurrence). The main thing evidence that the findings bio-rhythmology not be extended to all mankind in general, is that they completely ignore the division of people into types: "The Lark" (completely relevant to the ideal described bio-rhythmology), "owls" (for which the period of greatest activity occurs in the evening-night) and "doves" (adaptable to any pace of life). Look – the vast majority of techniques perfectly slimming right for "a lark!" And the "owls" they almost never fail (or triggered by "minus" sign). Consider a day in the life of the "Lark": He wakes up at 6 am, well rested and refreshed. In the morning all systems of the body are included at full capacity, so it's easy (and often – with pleasure and without any stimulation) is engaged in physical activity. Lunch with ravenous appetites, going to work. Day dinner, approximately 18-19 hours in the evening dinner. Frequently David Delrahim has said that publicly. In 22 hours it begins to "nod", and 23 sleeps. After the last meal before going to sleep at the "Lark" runs for 4-5 hours. Consider a day in the life of a human "owl": After waking up in the morning (or afternoon) out depending on whether he slept or not (though more often – the second), "owl" does not test any lifting of spiritual and physical strength. His body is still asleep, so that: a) physical exercise in the morning carried them very seriously; often after such employment a person feels overwhelmed and tired. b) Following the logic of most methods of weight loss, the first meal should be dense. The "owl" in the morning almost always have no appetite, but he faithfully "Seasoned" (because "as necessary", and in the evening after not sing!). Result: the body will process food sluggish (about the same as if someone had eaten shortly before bedtime), so part of the food eaten will be converted into fat and stored in the fat depot. We go further: in the afternoon, "owl" are often unable to eat normally (work), and not everyone can come home from work until 18 hours. That is, often, the person remains practically all day and all night without dinner … in the body, "owls" are all the same, that the "lark" in the morning: all the systems of the body beyond the limit of their capabilities, wakes up ravenous hunger. The body requires food.


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Thanks to YouTube, Uber is having a hard time these days. More than once, videos of Uber outrages went viral. There was the totally bad tempered Uber driver who drove a woman to a California hospital and went nuts when she didn't get out of the car fast enough. The YouTube video (and a couple of very funny remixes) made the rounds. Then there's the totally funny one of a (probably drunk) Miami doctor attacking an Uber driver. But, there is a dark side: Uber drivers accused of r*pe, assaults and threats. Then there are the s*x offenders who have inexplicably passed background checks and became Uber drivers.
Have a license and a car? You too could be an Uber driver. You could even lease a car and an iPhone. Want a cheap taxi? Call Uber and hope for the best. It's like flying with the cheapest budget airline and then being surprised with the shoddy planes, poor service, and a bad safety record. Here are 15 Uber horror stories, told from both the passengers' and drivers' point of views. Sometimes you may laugh at how ridiculous it all is. But sometimes you will be surprised that Uber can get away with it. It's a simple fact: whosdrivingyou.org has logged hundreds of incidents against Uber and Lyft, from deaths to sexual assaults, felons behind the wheel, DUIs, and imposters posing as Uber drivers. Read on and get educated.
15 Get Out Of My Car
Uber driver and passenger arrive at a California hospital. The woman is calm, polite but insistent. She simply is not sure where she is in the hospital complex. She wants the emergency room. His response? He yells. He swears. He calls her a "f***ing moron". He just keeps yelling "Get out of my car", again and again and again. Uber suspended the driver pending investigations of the episode. It seems totally obvious what the outcome should be. The whole episode ended with someone offering to walk the passenger to the emergency room. The driver later said that the woman had kept him waiting too long when he went to pick her up. We'll admit it: Her dogged persistence might get up your nose, but the guy just totally lost it. The whole thing went viral fast. Then disappeared.
14 Passengers Go Nuts: California Executive And Miami Doctor Attack Their Uber Drivers
It's like a bad reality show. Anjali Ramkissoon, a Miami neurologist, was suspended for attacking an Uber driver. She jumped in his car demanding he drive her. Only thing was another person had actually booked the ride and the whole thing got recorded on her cell. The doctor went nuts, throwing papers out of the window, yelling, screaming and reportedly scratching the driver. Much was made of the fact that the doctor specialized in headaches and ended up with one. She was totally embarrassed afterwards. Then there was the viral video that showed a California executive repeatedly whacking his Uber driver. The former Taco Bell executive (he got fired after the incident), Benjamin Golden, was arrested. Here's one for the books: Golden is suing the Uber driver for $5 million, saying the recording of his violence was illegal. Like losing his job has nothing to do with him.
13 Harley Quinn Smith - Actress Almost Kidnapped
She's called "Harley Quinn" Smith because her dad is Kevin Smith, producer of TV's Comic Book Men. Harley Quinn as in Suicide Squad. Our Harley is a teenage actress. Well, what else would she be? Well she was, totally Hollywood, standing outside a Starbucks in Brentwood waiting for her Uber. Then, according to People magazine, a large beige car with an Uber sign on it drove up and two guys claimed to be her Uber drivers. But, this is why it is good that bad guys are so often dumb, they didn't have the Uber app on their phones and they could not tell her the name of the person they were there to pick up. "Get in the car," they insisted. She called them disgusting and posted to her Instagram feed. Afterwards, she kicked herself for not taking a picture of them or the car's license plate, saying she was totally scared. Always check for the Uber app and make sure they know your name.
12 Drop Your Passenger At The Airport And Then Break Into Her Home
The Washington Post reported the story: Back in 2015, Gerald Montgomery, an UberX driver dropped a female passenger off at Denver International Airport and had a not-so-bright idea. The lady was on a plane. Why not nip back to her place and steal a few things? So, that's what he did, but, as he and his burglary tools were breaking and entering via the backdoor, the woman's roommate heard and saw what was going on and called the cops. Surprise, surprise, Gerald you are hereby arrested on suspicion of attempted burglary. Here's where we sing the praises of smart phones, because they managed to catch the guy because his passenger had taken a screenshot of her receipt complete with Gerald's picture on it. Uber deactivated the guy. A little late, you might think. Oh yeah, they gave the passenger a refund. Yeah, but did they dock her membership reward points?
11 That Shooting In Kalamazoo
It's February of 2016 in Kalamazoo, Michigan, and forty-something Timothy Dalton is driving for Uber. Then the shooting spree. The former Uber driver is accused of killing six people and injuring two others in what was apparently a random spree at a housing complex, a car dealership, and outside of a restaurant. Reportedly, after he finished off shooting his victims, he took an Uber fare, but he was driving so erratically that the passenger got spooked. Dalton was arrested and charged with murder and assault. His defense team plans to use legal insanity as a defense. Could Uber have seen it coming? Apparently he had received counseling at the insurance company where he worked for anger issues and some reported that in the time leading up to the shootings Dalton had been depressed.
10 Uber Drivers Viciously Attacked By Regular Taxi Drivers
We all know the French take to the barricades and get nasty. Remember the French Revolution? Well, not too long ago, French taxi drivers took exception to Uber and did what any self-respecting French man would do: Attack the drivers, their cars, and anything they could get their hands on. It got nasty and loud, fast. Well, we know the French are a little testy. But, Toronto? Much the same thing happened in 2015 when Uber drivers were attacked by regular Toronto taxi drivers because Uber was taking food out of the mouths of their little ones. One part-time driver, a student, talked to the news camera, claiming his 15 of fame, saying he was frightened. Regular taxi drivers also cooperated with the TV reporter, saying they had a right to defend what was theirs. Yeah, but easy on the violence, guys.
9 Florida Uber Driver Accused Of R*pe
In August of 2016, police in Florida arrested a man who drove for Uber and accused him of sexually assaulting several Florida women. It's a sign of the times that the arrest of Xolani Mtsitsha from Boca Raton was posted on the police's Facebook page. The thing is, you can't dismiss this kind of thing as a one off. Uber horror stories crop up with alarming regularity: Uber driver goes on shooting spree. Uber driver terrorizes women. Uber driver slits a throat in the subway. The simple fact is that Uber does not have a very good track record and its vetting procedures have been called "sub-par". Their tactics are often reactive, rather than proactive. If you doubt, check out whosdrivingyou.org. The list just goes on and on (and on).
8 The Truly Scariest Thing About Uber
This is clearly a disaster waiting to happen. The above message was reportedly posted to Whisper, the anonymous messaging and confessional App, by an Uber driver who claimed to work for their Los Angeles branch. Gawker called it "a corporate culture of laissez-faire gone wrong". See, after you fill in an online form and the so-called background checks are done, that's it. Regular taxi companies usually require drug screening and fingerprinting with local police. So, if they haven't been convicted of anything, druggies are apparently cool in the world of Uber. It gets worse; drivers reportedly share accounts. According to Gawker, the unnamed Uber driver said once you got one driver approved, then others could share his account, with no background check or screening. So, when you get in an Uber car, is it the legit driver or his buddy? Maybe it doesn't matter. They both could be druggies.
7 The One About The Botched Background Check
This Uber driver took private to a whole new level. ABC7 reported the story. Seems Uber Chicago approved a guy to drive and missed the fact that he had a string of crimes and traffic violations. It only came to light when a female passenger accused the driver, Adam Stevenson, of exposing himself to her (as in private parts). What then came out was a history of running red lights, speeding and (worse) misdemeanor battery and possession of cannabis charges. Oops, Uber said. A member of their security team said, "I tend to think, 'Who would I feel comfortable with driving my wife...'" Would that be a guy with a string of traffic tickets and assorted battery and possession charges?
6 The S*x Offenders Who Passed That Uber Background Check
It's the Summer of 2016. Never mind that Uber Boston missed the fact that the guy didn't have a valid license or insurance. Let's focus on the fact that he was a convicted s*x offender. Of course, local news channel Fox25 totally jumped on the story. Turns out Ronald Deluca is a Level 2 s*x offender with eighteen pages of driving records detailing speeding, license suspension, and lots of traffic violations. The only person not talking to the news channel was the driver. Police were talking. Shocked residents were talking. And Uber, in true reactive mode, suspended the guy. They were last seen "reaching out to local law enforcement", offering to assist in their investigation. Like maybe advising them on how NOT to do a background check. A couple of months after the Deluca case, another Level 2 s*x offender talked to Fox25 and revealed he still had an active Uber driving account. Not for long, buddy.
5 San Francisco Got So Made That They Sued Uber
There was the alleged hammer attack on a passenger by an Uber driver in San Francisco. Then there was the woman who was driven to an isolated spot and found herself locked in the car with an angry driver. Enough was enough. Back in 2014, the San Francisco District Attorney sued Uber, saying that flaws in the company's background checking system allowed some 25 drivers with criminal records to drive for Uber in California. The suit was eventually settled, but Uber seems to do little these days other than fight suits all over the globe. It may be worth billions, but with the horror stories coming thick and fast, some wonder if the whole operation could be derailed. Some would say about time. Oh, by the way, Uber can no longer say its background checks are "gold standard". Like we didn't already figure that one out.
4 UK Uber Driver Accused Of R*ping Passenger When She Couldn't Pay Fare
A UK Uber driver, Mahammad Rahman, was charged with r*pe of a passenger who couldn't pay her fare. His story? Well, he said she forced him to have s*x and threatened to scream unless he complied. He was accused of tearing her clothes off and r*ping her. He also said it took about two seconds and that he was too ashamed to report the incident to the police. The Mirror also reported that he also testified that the woman bragged that she had paid her Uber fares, "so many times like this". He said he was shocked. The court obviously believed his version of events, as he was acquitted of r*pe and walked free.
3 He's Had How Many DUIs And He Was Still An Uber Driver?
The Naples Herald ran the story under the headline, "Man Faces Fourth DUI Charge While Working as Uber Driver". The police rolled up to a Florida shopping mall after someone reported an out of control driver who was being aggressive and trying to "ram" someone's vehicle. The driver, Alvaro Gutierrez, managed to tell the officers that he was an Uber driver and there to pick up some passengers. Not only did he flunk field sobriety tests, but he could not produce proof of insurance. How could the guy be driving for Uber, get himself arrested and charged four times, and still be driving? The Naples Herald didn't seem to understand how that could happen, either. Twitter went a little nuts over it, too.
2 Drivers With Thieving In Their Hearts
Or in this case, don't give rides and still get cash. If you are wondering why we haven't given female Uber drivers a chance, here are a couple of female villains. Only they weren't real Uber drivers, but rather two women from San Diego, California, who pretended to be Uber drivers. They spotted a victim and lured the guy into their car. Then their two male "colleagues" did the deed. They pretty much took everything, including his phone and cash, before pushing him down, and driving away. The victim was not really hurt and the evil doers were collared pretty quickly. Maybe we have found something more dangerous than Uber drivers: People pretending to be Uber drivers. Seems like a no-win kind of thing to us.
1 UK Driver Leaves Threatening Voicemail After Ride Was Cancelled
Anna Kealey was having a nice weekend and was about to meet friends for Sunday brunch. She booked an Uber ride, but decided to walk and cancelled the ride only a few minutes after booking it on her smartphone. She decided to walk, she told The Washington Post, because for some reason she was feeling anxious. She so totally had a right to be a little nervous. Days later she retrieved a voicemail, a creaky voice, that at first she thought was a joke. It was her almost-Uber driver and he was mad. "You bring me here and you cancel." He called her an idiot and added "do that again, and I'll cut your neck." It was then she remembered the cancelled Uber ride on the previous Sunday. She filed a complaint with Uber, notified the police, and took to Tweeting about the outrage. She's giving the Uber thing a rest.
Sources: people.com, washingtonpost.com, abc7chicago.com,fox25boston.com, phys.org


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Progressive slot jackpots are each on line casino participant's dream. The large jackpots are fairly elusive, however the considered profitable these
Progressive slot jackpots are each on line casino participant's dream. The large jackpots are fairly elusive, however the considered profitable these very good jackpots which can be regularly growing are sufficient to persuade any on line casino participant to check out the progressive video games. At the same time as progressives proceed to evade freely giving their jackpots, nobody has ever stated that progressives needs to be prevented. Progressive jackpots are just too good to disregard.
Let's undergo the fundamentals first. Progressive slots are slot machines which can be linked collectively, and all of the bets which can be positioned into all of the machines contribute to a single jackpot, which, naturally, turns into fairly hefty. As extra folks play progressive video games, the progressive jackpot additionally turns into bigger, however the odds of profitable additionally reduce. And as most progressive slot games machines present the ever-increasing jackpot proper above the reels, gamers are repeatedly enticed.
There are a number of totally different sorts of progressive video games. The primary type is the stand-alone progressive slot machine. Because the time period implies, the stand-alone progressives just isn't related to different slot machines. The one distinction is that the jackpot will increase with each guess you make. The quantity of the jackpot relies on a proportion of the cash that you simply play. Except for stand-alone progressives, there are additionally in-house progressives. In-house progressives embody slot machines in a single on line casino. These are all linked collectively and contribute to a single jackpot. All of the gamers taking part in on the progressives in that individual on line casino are all competing for one elusive and drastically tempting jackpot. Nevertheless, in-house progressives can also be referred to as proprietary progressives, that are slot machines which can be all operated by one on line casino operator however don't essentially need to be in a single on line casino. The final sort of progressives is known as extensive space progressives, that are slot machines which can be positioned in a number of totally different casinos that belong to totally different on line casino operators. Since there's a bigger variety of machines and gamers contributing to it, the jackpots of wide-area progressives are significantly bigger. Progressive jackpots of the wide-area type are often the drool-worthy type. These are the jackpots that may make the winner a multi-millionaire. These are the jackpots that may change lives instantly.
The variety of progressive video games on-line is massive. There are progressive video games comparable to Quartermania. All on-line casinos provide progressive video games as a result of they pull in a number of gamers. Lots of gamers will not be deterred by the small probability of profitable. Though progressives require most bets, numerous on line casino veterans give advices on learn how to improve your probabilities in progressives, or to defend your self from a complete loss. Since there are lots of totally different sorts of progressive video games, selecting which one to play is essential. Should you select to play on-line, then you definately undoubtedly have loads of selections to select from. Additionally, in the event you ever win something, ensure to stroll away with it. Don't put it again into the machine within the hopes of getting it again bigger. There's a larger probability that they machine received't spit it again out anymore.
Progressive slots are very dangerous. The danger is a lot increased as a result of most bets are required. Nevertheless, lots of people nonetheless succumb to the tempting progressive jackpots. The upper the chance, the upper the jackpot you might have an opportunity to win.


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We hit 400 likes on Facebook, so I decided to say thanks with a giveaway! First go "like" Maggie Malson Photography on Facebook. If you already do then leave a comment to that. If you "share" the post you receive another entry. Also, leave a comment here on the blog about what is the most important thing to you when having a photo session. Ready, set, go!
Tuesday, October 30, 2012
Thank You! | Giveaway| Idaho Photographer
Posted by Maggie at 5:55 PM 9 comments Links to this post
Labels: giveaway
Friday, October 19, 2012
Here she is... | Giveaway Winner | Boise Newborn Photographer
So many of you know our baby girl is here! She arrived three days after her due date (so did I when I was born, ha!) And, it was simply perfect timing--it was my grandma's 80th birthday too! (She also has her other great grandmother's middle name.) I really had hoped she'd come that day, and I even had a doctor's appointment for the afternoon. I was quite restless that night thinking about when she might be coming, praying that God would give me a sign. Well, at 3 a.m., he did; my water broke. I've journaled her birth story for myself and for her scrapbook, so I'll save you all the details. Just know it was another wonderful birthing experience and I am very thankful for that.
Looking back through the giveaway guesses, my mom actually was the closest to the correct stats. But Crystal was a close second, so I'll be giving away two prints! Thank you all for playing along, and for all your well wishes.
Brynleigh Marie
Aug. 30
10:12 a.m.
6 lbs., 10 oz.
20 inches long
We are totally in love with our precious new babe.
Posted by Maggie at 12:26 PM 7 comments Links to this post
Labels: babies, getting personal, newborn
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Merlin's Secret: The African and Near Eastern Presence in the Ancient British Isles
- Publish Date: 1999-05-13
- Binding: Paperback
- Author: Robert N. List
Merlin's Secret reopens the debate involving the diffusionist proposal of the non-Aryan (East African, Egyptian, North African, and Near Eastern) origins of early Britons who inhabited the British Isles from the Neolithic period to the arrival of the Anglo-Saxons. It also questions the possibility of mixed African, Asiatic, and European origins for the numerous Moorish immigrants, Gypsies, and other Norman families who arrived during the Middle Ages and the Renaissance. Robert N. List not only follows the work of numerous scientists, anthropologists, historians, linguists, poets, and ethnologists, who have argued the case for non-Aryan, and mixed-Aryan origins of many inhabitants, but examines the emergence of a cometary religion in the early British Isles. He proposes a new synthesis of the evidence of Afroasiatic cultural imports that influenced language, art, and religion in the early British Isles. This revisionist synthesis brings together evidence that should stimulate a complete reexamination of the ethnic complexity of the British Isles.


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Nepal is the best place for Honeymoon Tour. Breathtaking Himalaya sceneries, visible from your room make honeymoon trip awesome and devoted to each other.
Nepal Honeymoon Tours is an excellent opportunity to experience different attractive places including Cultural historical and natural monuments on the lap of high Himalayas. Nepal is the best place for Honeymoon Tour. Breathtaking Himalaya sceneries, visible from your room make honeymoon trip awesome and devoted to each other. Beautiful Lakes, the landscape of Himalaya, seasonal flowers, and some Hindu and Buddhist monuments are an attractive destination for a newly married couple. Honeymoon tour is relaxed, to begin a new life, to get close and understand each other. It is our hospitality to fulfill your dream to reality in different parts of Nepal organizing tour activities. Your honeymoon trip includes nature, mountain, animals and old temples of Hindu and Buddhist.
Adventures Leader Nepal provides you best Nepal Honeymoon Tour packages with reasonable price. Book Honeymoon Holidays in Nepal with us to spent Honeymoon in Nepal. For more information check the package details.
Day 01: Arrival at Tribhuvan International Airpor, Kathmandu
When you land in Tribhuvan International Airport Kathmandu, check your hand bag, go to immigration office, make visa for your trip and get your suitcase, where outside our represented member shows you the board of our Company and your Name, transfer to the hotel. Our director meets you in the hotel and discusses about your whole trip. In the evening you will participate to experience typical Nepali food with cultural dance show.
Day 02: Full Day Kathmandu Cultural Tour, Overnight Nagarkot
In the first day of your trip, our guide will take you to show UNESCO heritage sites of Kathmandu such as Monkey temple, Patan Durbar Square, Pashupatinath Temple and Bouddhanath. Monkey Temple, the original name of this temple is Swyambhunath from where one can achieve the picturesque city of Kathmandu with Langtang Mountain. The land which is self originated is Swyambhu- Deity of Hindu and Bhddhist followers. Buddhist and Hindu people pay homage together in this temple. The legend of this temple goes back to 25oo year back, having big lake in Kathmandu where Manjushree cut the hill in southern part Of Kathmandu and take all water out and build small temple on the top of hill. The entire stupa, monasteries, ancient sculptures, monkey forest, chityas are the main attraction here. Patan Durbar Square comprises the old newari houses, temples, chortens, and living primitive standards. Historicall Patan is known as Laitpur "the city of fine arts". Patan is the residence of distinguish artists who have been performing their skills in wood, stone and metal. In 16th and 17th century, Patan was one kingdom where king used to rule only in Patan. Patan was the youngest Malla kingdom where Buddhist and Hindu monuments performance together. Pashupatinath, a sacred hindu pilgrimage literally means "the lord of animals". The temple is located in the bank of Bagmati River which runs down to Gangas. Only Hindu people can visit inside temple to worship "Shivaliga" which symbolize the power of creativity. You will also get chance to see cremation which they burn in the fire. The holy men know as "Sadhus" will ask you to take picture with painted face, dreadlocked hair and ash applied body. Each year in February, Hindu people celebrate festival. After finishing sightseeing you will drive to Nagarkot to see panoramic view of high Himalayas, sunrise and sunset.
Day 03: Nagarkot – Daman, Overnight at Hotel
Early morning, enjoy the view of sunrise and drive to 800 years old town Bhaktapur Durbar Square to experience primitive standers of the people, art architecture, king palace, temples which are listed in World Heritage Sites. Drive to Daman to enjoy your honeymoon time. Overnight in the Resort,
Day 04: Daman-Chitwan National Park
Drive to wildlife Chitwan National Park by your honeymoon place Daman, lies in Southern Part of Nepal. After check in the Hotel, you will go for short walk to Tharu Village, tribal people with local guide. There will be Tharu Cultural dance presentation.
Day 05: Jungle Safari Activities
This day you will have full day tour including Jungle Safari, Elephant Riding, Elephant bath, canoying, Bird watching. Your camera goes to capture wild animals such as Tigers, Rhinos, Deers, Beers, Crocodile and birds. In chitwan your breakfast, Lunch and Dinner is included.
Day 06: Chitwan - Pokhara
This day you will leave wildlife National Park and enters to natural mountain city Pokhara. It takes 4 hour to reach Pokhara from Chitwan by car. Boating in the Fewa Lake is another beautiful tour programme, after you check in the hotel. Your first glance goes to spectacular view of Machhapuchhre (6993m) that makes you awesome and overwhelming. In the evening, fresh walk to Lakeside to get good dinner in the typical restaurants.
Day07: Pokhara Excursion
Early morning, drive to beautiful hill "Sarangkot" to see sunrise, snowcapped Annapurna ranges, valleys, rivers, city, and lake. After breakfast visit Cave, David's fall, Tibetan Refuges Camp, and International Mountain Museum.
Day 08: Pokhara to Kathmandu
Today, you will drive to Kathmandu from Pokhara and take a free time for preparation to return home.
Day 09: Fly to Respective Destination
Our represented member of the company helps you for departure flight to your respective destination.
Cost Includes
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based on 20 reviews


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PrePay Solutions reacts to increased contactless limit
03 September 2015
Following the news that the contactless payment limit has been raised from £20 to £30, Ray Brash, MD & Chairman at PrePay Solutions – the largest issuer of prepaid contactless in the UK, comments:
"At the moment, about 15% of our transactions are contactless. With the limit increasing to £30, we predict this will go up to 25% over the next year. The average value of card transactions has been falling for a while now, as people continue to opt for greater convenience and become familiar with the technology. We therefore see no reason why this can't go up to 50% in the foreseeable future. This steady growth will help contactless take off further and once again shows customer demand for convenience and security.
"Contactless has become the norm for many transactions; as a retailer it has become vital to adopt the technology. You don't want to answer the statement or question 'go contactless' with an embarrassed, sorry, we don't do contactless.
"Contactless comes in many shapes and sizes: from mobile phones to rings and bracelets. As the largest issuer of prepaid contactless in the UK, we've been there from the start when we launched Orange Cash and EE Cash on Tap, and we look forward to seeing where it will grow next. It is an exciting time for contactless – watch this space."


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Does any LED's work with corsair link?
Does any RGB LEDs work with corsair link? I know I can buy the corsair link lighting kit and get 3 strips of leds, but what if I want more than 3 strips, could I just buy some more strips from somewhere else?
And do I have to have the Corsair commander mini to get LED's to work with corsair link in sync with my 100i LED?
Thanks for the help....
[QUOTE=Corsair Bunny Foo Foo #5;724973]I can only officially state that our Lighting node or Commander Mini will only work with our RGB LED strips.
Thanks for the answer....
Is there any way to possibly get more than 3 strips? buy them separate or something?
I can officially state that any RGB LED strips work fine.
I have 18 LED's across the top and bottom of my 540 and 22 down the side running of a Commander mini and there are no problems at all.
You have to make your own cables since the corsair ones aren't standard, but its super easy to do.
Interesting. I've been eyeing off some cheap rgb led strips on ebay, these look like they come with a 4 pin connection, ready to be plugged into a led controller. Can you tell me what I need to do to connect these to the led input on the commander mini? Do I need to purchase a compatible connector, then cut and solder?
Honestly I didnt even solder. these things run on such low power, I think they just need to not touch other wires or metal...
I just twisted the wires together and wrapped with electrical tape. I'm sure someone will give me crap about that, but seems to work fine.
Anyways, the setup:
The connector used on the mini and lighting node is called an I2C or IIC connector. These days I think they are used for Arduino devices mostly. It also happens to be the exact same connector as was used on the old audio cables you used to have to use to on IDE Optical drives before XP.
I happened to have a couple of these old audio cables still so that's what I used.
The cables I had had 1 thicker wire and two thinner ones, i took 2 cables apart so i could use the slightly thicker wire (one at each end x2 cables)
So i ended up with 4 of these:
So, I remove the red and white wires, and put in the other 3 black wires, and connect some extra red, green, blue, and black wires that I had from an old motherboard front panel connector.
The result looks like this:
Make sure you get the order right, Corsair is not using the standard order.
Then i got a 5 meter spool of 5050 RGB LED lights from ebay, probably similar to what you are looking at, as well as a 10 pack of solderless connectors. Total cost about 25 bucks.
Around the front of the case you need to connect the red, green, blue and black wires to one of the solderless connectors and connect the solderless connector to the led strip. I just cut one of the connectors in half.
Then around your case however you want, cutting custom lengths and using the solderless connectors where needed, corners etc.
I need to stick some double sided tape on the solderless connectors so that they dont peel away but the end result works pretty well. Hopefully this helps.
That's a great write-up, thanks very much. I think I also have some of those old CD audio cables around somewhere. I might have a crack at this next week.
The one i used was "Supernight LED"
I think any standard 12v LED should work tho.
If you look at the LED's you have and look at the corsair ones ill bet you will see they are identical, with the exception of the reversed G and B, and the connector. These are all probably made in the same factory in china, and re-branded.
woohoo it works! I can't get the leds to show up well on a pic though... this is just a 3 led offcut i was using for testing.
Correct. The Corsair Link RGB LED Lighting Kit is useless without a Lighting Node or a Corsair Commander Mini.
the Corsair Link RGB LED Lighting Kit will not connect directly to a H100i or a H80i.
I want to do something reverse here. So I am planning on buying two the Airflow Platinum Fans which has LED L2C connectors. I want to chain it to the end of my Supernight LED strip and control it with a remote. Could I do it with this Cruis Pixhawk I2C splitter?
And thanks for the compliment about the case, I'm very happy with it. Since I wrote this up I have redone the wiring in the corners so it looks proper (no more multicolored wires just hanging about)
As far as your question, I think electrically what you want to do would be fine, there is nothing to LED's, they need 12v power and ground...you can even run them on molex or sata power if you don't wanna change colors or dim etc.
You just have to get the connection from the end of your LED strip into the LED wire on the dominator airflow.
At some point you will have to make your own cable since the channels on corsair stuff are not in the standard order (I mentioned this in my post)
I would try and find a cable with a connector that you don't mind cutting, since you probably don't want to cut the cable on the dominator airflow. What you are looking for is the EXACT connector you would find on an old IDE optical drive. the connectors on what you linked don't look the same as that (but i could be mistaken)
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KUALA LUMPUR • Malaysia could be barred from hosting major table tennis events unless it gives Israel visas to compete in next month's world team championships, the sport's global body said yesterday.
Judit Farago, chief executive officer of the International Table Tennis Federation (ITTF), gave the warning as the results of the Israeli team's visa applications remain undecided.
"If they deny visas, then Malaysia will not be awarded any world title events in the future by the ITTF," the Hungarian wrote in an e-mail.
"The problem has not occurred yet, if it does, then the ITTF's executive committee will discuss the situation and try to find solutions."
Malaysia has no diplomatic ties with Israel. The Jerusalem Post reported last week that the Israeli team had yet to obtain visas, despite working with Malaysian officials for months to solve the issue.
A senior Table Tennis Association of Malaysia official said yesterday that it is also awaiting the results of Israel's visa applications.
Reports said that even if the Israeli team is allowed to take part, their flag and anthem could be barred from the competition, which takes place from Feb 28 to March 6 in Shah Alam, Selangor.
Israel missed last month's Youth Sailing World Championships in Malaysia, reportedly after a similar row over visas and flags.
In 1997, when Israel played in the International Cricket Council Trophy competition in Malaysia, hundreds of people took part in angry demonstrations.
Protesters also took to the streets and burned Singapore and Israeli flags when the then Israeli President Chaim Herzog made an official visit to the Republic in 1986.


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Sunday, July 15, 2012
Animation Fun Facts for July 15, 2012 Sun.
Rembrandt van Rijn, Inigo Jones, Clemont Moore, Linda Rondstadt, Forrest Whitaker is 51 1938- Max Fleischer's Popeye cartoon "With the Jeep" introduced Eugene the Jeep. The funny little character later gave it's name to the army's new General Purpose Vehicle, the G.P. or Jeep. 1941- President Franklin Roosevelt sent federal mediator Stanley White to try and solve the labor strike between Walt Disney and his cartoonists. 1971- Producer Steve Krantz announced the production of the first X-rated cartoon, Fritz the Cat, to be directed by newcomer Ralph Bakshi. 2011- Disney's Winnie the Pooh and the Ballad of Nessie opened in theaters.
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Most of the Indian girls have an irrational fear of getting married. As the fact goes that daughter-in-law is taken granted in most of the Indian families. The reasons are many. A woman just like a man plays several roles. Being a daughter, sister, the lover is a part of her journey. I am a daughter and a sister. I have found profound gaiety while being in those relationships. I was maverick and self-sustained. I have seen my mother managing our home perfectly, taking care of each of us magnificently. From the walls, floor to furniture, she would clean every bit. From our education to food, clothes to shoes, basic necessities to comforts, she brought all of us up masterfully. I had never perceived or ever sensed, what she was sacrificing in the course? How convoluted her life could be? She never did unveil her unapparent malaise to anyone or maybe that soreness never existed. She might have learned to feel contented with whatever she received. She might have started finding her happiness in the happiness of my father, family, friends or relatives, who appreciated her efforts of being a perfect house maker. Hence, my parents taught me the same, when I was about to tie the knot.
Since the day my name, place, relations, family, my mornings, evenings, rights, priorities, everything suddenly changed. I was determined to accept all those changes because this is what we girls are taught at our parental home. I welcome those changes and devoted myself to them. And in the process, I have realized what my mother was sacrificing. I have realized, I can be a daughter-in-law but not a daughter. A thin, flimsy line between these two words takes so much from us. Unlike before, now I cook, clean, do laundry, and do all other routine chores. If anyone in the family is sick, it's my responsibility to take care of. I preferably cook of their choice. I get up early, no matter how heavy-eyed I feel. I ask for others permission to go out of the home and I am only permitted if I am done with my routine chores. My these little variations are not even get noticed by anyone because as we all say it's natural. A woman is meant to do all these chores. There is no big deal when you do but hurricanes occur when you don't do. And one day when my husband served me food in bed because I was sick, he got noticed and overwhelmed with the eighth wonder of the world. He is now a dream man, as he did what was fixed to me, just for a day.
Even in this era, we hear the cases of dowry. She is burnt alive like a heap of waste. Women here are still suffering from depression just because they fear to follow their heart and 'sacrifice' word has been added to them as mandatory. The more she sacrifices, the more crowns she receives. The more she is silent, the more she is mature. Her supremacy is judged on the basis, how she tackles her new family members.
But when she raises her voice, she becomes disappointing, displeasing and unacceptable to everyone. She is tagged with 'Oh! Feminism is steamed up in her blood!'.
With the course of time, the things are getting better but still a vast discordance abides between a daughter and a daughter-in-law. That is why females are influenced to infiltrate their mindsets that they aren't meant to dangle aprons around their necks. They fear to take household responsibilities and this disparity in mindsets leads to lopsided future for them.
Daughters and sons both should be taught to be dexterous. One cannot step back from the responsibilities. They should understand to maintain a balance between personal and professional life.
Daughters are not meant to sacrifice their own priorities and wish just to save her new relations, her marriage and for the sake of society. The day, when in families the members would understand their duties, her rights and her duties and their rights as well, the things would change itself. Neither a man should refrain from washing dishes nor a woman from earning bread for her family. No such laws have ever been made to designate fixed jobs to male and female. This distinction is created by us only. So dear In-laws, instead of controlling her, stand with her in her decisions. Treat her like you treat your own daughter, let her accept you as her own parents. Let's keep this word 'In-laws' aside.
My dear woman, do not fear to take responsibilities and know your capabilities. It's your life, take charge of it, know your mission, be self-dependant physically, mentally, financially and individually.
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Feb 23, 2018
As I am already into Product development and management, this course is very useful and helping me in real time. I am started applying few practices already into product development.
Dec 12, 2018
It's a solid addition to get the specialization certificate. I may give it 4.5+ stars, but the course resources are exceptional - its like they wrote their own textbook almost.
创建者 Freek d B•
Dec 22, 2018
It's challenging to teach and learn product management through an online course. You can get an overview of the important topics and learn the theory, but this doesn't enable discussion, exchanging experiences, and forming balanced opinions. A product management does a lot of her/his work by talking (to many different people involved), which is very difficult to train online (it could be done with role playing assignments supported by video conferencing, but I think learning from experienced colleagues in practice is a much better way). The quizzes are often a good way to rehearse the topics that have been explained, but sometimes feel like an extremely simplified black-white view on very nuanced issues.
The best parts of the Software Product Management courses for me were the larger assignments you make that are reviewed by fellow students (getting feedback is very useful and it's also instructive to see what approach your peers took) and the interviews with experienced product managers which offer valuable insights in the complicated situations product managers often have to deal with.
I recommend this course to anyone that is new to software product management and quite new to software development. The course can be a good first step on your path to becoming a product manager, as long as you realize that you will also need a lot of skills that an online course cannot teach you.
创建者 Megan B•
Jul 31, 2019
As a new Product Manager, I found this course as a great entry-point into the field. While it will by no means get you to be a PM superstar overnight, the course (and the specialization) cover a ton of ground on agile product management.
I've taken all courses in the specialization and so far have found this course to best as far as content and assignments. The peer review assignments were excellent change to simulate the work activities you would do for estimation. While the examples themselves were not as realistic as real world, there was lots of great value in doing the assignment and then applying what you've learned to review others, who had a different take than your own. The section on Risk helped me inform my current planning cycle.
Overall the User Requirements course was most practical, but as mentioned I thought this course has been the most well structured. All courses have great resources that I have referred to on my job.
I would definitely recommend this course to any new PM or those looking to become Product managers -- this Specialization helped me land my current job! It's also useful for teams who are transitioning to agile and need a good foundation.
创建者 Ryan P•
Dec 12, 2018
It's a solid addition to get the specialization certificate. I may give it 4.5+ stars, but the course resources are exceptional - its like they wrote their own textbook almost.
创建者 Travis P•
Jan 17, 2016
This is more enlightening than the previous courses in the specialization. It felt like learning new material and techniques rather than simply reviewing concepts I already knew. I also liked that the assignments required creating actual artifacts and reviewing others' work. The industry interviews were a nice addition as well.
创建者 Syed S A•
Jan 29, 2019
Very good Course ...
创建者 Rajesh V•
Jan 15, 2019
Excellent course
创建者 Karthik V•
Jan 10, 2019
Excellent Course, learnt a lot!! Love the way the contents are organized.
创建者 boma T•
Feb 12, 2019
Tough Course but a lot of learning
创建者 César M M•
Feb 10, 2019
Great course
创建者 Abraham S•
Mar 07, 2019
Bradley and Morgan are both great presenters! The quality and clarity of their lecture material and delivery is consistently _awesome_.
创建者 Gerusa F L N•
Mar 09, 2019
创建者 Alina Z•
Mar 08, 2019
very good content
创建者 Paulo C W•
Mar 21, 2019
great material. Ideal for experienced project managers.
创建者 Luis R S M•
Dec 10, 2018
The course I took taught me how to turn theory into concrete & systematic practice. Well done!
创建者 Lindsay R•
Jan 27, 2019
Very helpful course covering a range of techniques and challenges in agile planning. Some kind of deeper comparison or exercise for PERT vs CPM would have been helpful
Apr 12, 2019
Very interesting! The videos are great. Thanks a lot!
创建者 Hugo A C G d S A•
Jan 28, 2017
Good Planning methodologies and examples
创建者 philippe A•
Jan 17, 2016
professional level
创建者 Predrag S•
Nov 12, 2017
Very good.
创建者 Kattia C•
Nov 05, 2017
Great course. It made me rethink the way that I did the planning before.
创建者 Sumit G•
Mar 13, 2017
This course gets better as you move into the course!
创建者 Oleksandr T•
Jan 30, 2016
Super-duper, very useful!
创建者 Rafael N•
Jan 15, 2017
创建者 julian•
May 30, 2017
great input
创建者 Fabian F•
Dec 13, 2017
It was a good and, in my opinion, comprehensive course on Agile Planning for Software Products. I recommend it to every stakeholer involved in this topic / process!


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Fun Things to Do in Austin with Kids
Austin, Texas is a veritable carnival of activities for all ages. Whatever you like to do, you can find activities to fill a week-long vacation or a weekend getaway. Finding fun things to do in Austin with kids is easy and will make you the family hero.
Austin Food Trucks
You have to eat so you may as well make it fun! If you cross the Congress Street bridge and head south a few blocks, you will find an area that has been revitalized with hip shopping opportunities and several blocks of food opportunities. You truly can't go wrong; we've had excellent Tex-Mex, burgers, and pancakes from the restaurants and food trucks.
Our last visit included a pizza parlor that served a variety of unique and delicious toppings. The girls even got balls of pizza dough to play with while we waited. Don't forget the dessert trucks. Our favorite find so far was the cupcake truck with over a dozen different cake and icing options. Yum!
Inner Space Cavern
A short drive north from Austin is a small building advertising the Inner Space Cavern. This almost nondescript building opens up an expansive world underground.
Even on the hottest summer days, the caverns maintain a temperate (almost chilly, if you're from Texas) 72° climate. The gift shop is filled with local and regional trinkets and treasures, and the guided tour is definitely worth the time.
The cavern system was originally discovered by the Texas Highway Department when conducting testing to build an overpass and opened to the public in 1966. You will journey underground thousands of feet on the cavern tour, but there are even more caverns that are not readily accessible to the public.
Play Hard, Rest Easy
When in Austin, be sure to book your room at Hilton Austin. This hotel is easily accessible to the downtown sites, the Texas State Capitol building, and plenty of food options. Although it's a convention center hotel in the heart of the city, it's one of the most family-friendly hotels we've ever stayed at. Don't miss it!
Explore these nearby cities in Texas:
- Things to do in Waco, Texas for Families
- Off-Beat and Different Things To Do in San Antonio
- Read about all of our family vacations to Texas
Hilton Mom Voyage writers receive free night certificates to use at Hilton Hotels & Resorts worldwide. To learn more, visit our About Us page.
Heather and her family were born and raised in east Texas, where she is an assistant principal. Her husband teaches high school chemistry and her daughters are…


text: Ashley Kurpiel is an awesome lady who's living with a rare disease that is getting worse, but you can help! Ashley is from Peachtree City, GA and has battled Fibrodysplasia ossificans progressive, or FOP. (FI-bro-dis-PLAY-she-uh, ah-SIF-ih-kins, pro-GRES-sih-vuh). (FOP) is a disorder in which muscle tissue and connective tissue such as tendons and ligaments are gradually replaced by bone, forming bone outside the skeleton. This horrible disease is basically turning her into a statue. Ashley is among the 900 known patients worldwide who suffer from FOP. She is the only amputee, losing her right arm and shoulder. 7 months ago, Ashley lost her ability to walk, and now gets around by wheelchair. The problem is trying to transport her to her many doctor's appointments and outings. Ashley needs a specialized wheelchair and a van with a wheelchair lift or ramp. She lives with her parents who are in their mid-70s so it's tough on everyone. If you want to help Ashley get some of her independence back and take some of the burden off her 70 year old parents, there is a GoFundMe page set up to help her and her parents.


text: When it takes more than a napkin to keep the restrooms sanitary, many companies hire a commercial cleaning company to do the dirty work. Restroom Hygiene franchise opportunities are low investment business ideas with great potential. There will always be a demand in cleaning services for public restrooms, washrooms, carpet, and other janitorial duties. Click on the franchise business opportunities below for more information.


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text:
Guess2Give enables people to create online sweepstakes on anything and everything, from marathon running to pie eating for any UK charity
- Stage Full Product Ready
- Industry Internet / Web Services
- Location GBK Restaurants Ltd, Lindsey Street, London, England, United Kingdom
- Currency GBP
- Founded December 2010
- Employees 1
- Website guess2give.com
Company Summary
Guess2Give allows anyone to create their own online sweepstake for charity and engage their social network to guess the result, rather than simply making a donation. Eg, if you setup a Guess2Give sweepstake for your London marathon and received 50 x £3 guesses you would raise over £100 for your charity and have a £25 prize fund to be won by whoever guesses closest to your finish time.
Mark ChandlerFounder
Mark is Co-founder of Guess2Give and has 18 years commercial, charity and start-ups experience in marketing, sales and digital roles. Always seeking the next challenge, he has competed in triathlons and Ironman, trekked Kilimanjaro, taken a stroll on Everest and even sat down long enough to complete an MBA.
Bates, Wells, BraithwaiteLawyerUnconfirmedGrant ThorntonAccountantUnconfirmed
Previous Investors
2013 - Big Venture Challenge grantUnconfirmed2012 - Nesta 'Innovation In Giving' grantUnconfirmedFounders. Family and friendsUnconfirmed