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CAPE TOWN – According to Stats SA, there were 18 491 civil judgements for debt in September 2018 amounting to R291.1 million. The largest contributor to these cases was for money lent, amounting to R81.7 million or 28.1 percent of the total debt cases for the month.
If you want to avoid being part of these statistics, then you will need to plan and budget very carefully to survive the seemingly endless month ahead.
"Following a month of holidays and lavish spending, January is often a tough month for most people. Especially if you received your December paycheque earlier than usual, your January pay cheque can seem just too far off to hold out for. However, building onto bad debt is not a way out, but rather a way into deeper levels of financial despair," warns regional director and chief executive of RE/MAX of Southern Africa, Adrian Goslett.
As tempting as it is to use the "get out of jail free" card by reaching for your credit card to purchase the items you simply have no money left to afford, Goslett suggests that you get creative and go without certain things until your next paycheque.
"While there are certain fixed expenses you cannot avoid paying, such as your home loan instalments and insurance premiums, there are other household expenses you could put on hold for the month. For example, you could pause your DSTV or Netflix subscriptions. You could also pause any hired household services you might have, for example cleaning or garden services," Goslett suggests.
"Your entertainment budget should unfortunately be the first expense that meets the chopping block. Instead of viewing this as a negative light, try and view it as an opportunity to plan for the year ahead. Make the most of the time you have at home by setting up monthly budgets and cleaning out the garage and messy cupboards. You might just find some items that you could sell online, giving you some extra cash to help you get through the month," says Goslett.
However, all of these are meant to be short-term fixes to help you get through one month. If your financial situation leaves you to make these kinds of sacrifices on an ongoing basis, then you might need to consider more permanent solutions. "Arrange a meeting with a trusted real estate professional and find out whether downsizing might be a better option for you. A lower monthly rental payment or home loan instalment can provide major relief for those who are struggling to make ends meet on a regular basis," Goslett concludes.
Content supplied by RE/MAX.


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763 Reviews
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With this ticket to the best littles Rome, you'll bypass the waiting travelers and get easy access to Rome's major sights.
If you're quickly you can see the Vatican Museums and Sistine Chapel before the crowds pour in, and after that head to the Colosseum, the Roman Forum, and the Palatine Hill for more journeys back in time to ancient Rome. It's all consisted of in your pass.
The pass likewise gets you a complimentary audio guide that will help put all the history you're experiencing into point of view. And if you require to find your way to that pizzeria later on, use the totally free WiFi at the meeting point.
What is Included?
- Skip-the-line entry to the Vatican Museums,
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subset: commoncrawl


text:
Sheldon W. Witcoff
Retired Shareholder
Sheldon Witcoff is a retired shareholder and counsel to the firm of Banner & Witcoff, Ltd. He practiced in the firm's Chicago office for more than 40 years.
While at the firm, Mr. Witcoff represented numerous clients as lead trial counsel in cases involving a wide variety of subject matter, including electronic instruments and control systems, automotive tire tread design, dialysis machines, microphones, phonograph cartridges, non-skid braking systems, hearing aids, valves, and self-focusing slide projectors. Mr. Witcoff has also worked extensively in international litigation and prosecution matters, and has testified as an expert on U.S. patent law in U.S. and foreign courts. He also has lectured at Northwestern University, Chicago Kent College, and before numerous patent bar groups.
Mr. Witcoff earned his B.S. degree in Electrical Engineering from the University of Maryland and his Juris Doctorate from George Washington University. Mr. Witcoff is a member of Phi Delta Phi and the Order of the Coif, the American Bar Association, the Intellectual Property Law Association of America, and the Intellectual Property Law Association of Chicago. He served in the United States Navy from 1943 to 1946.
71 South Wacker Drive,
Suite 3600
Chicago, IL 60606
E firstname.lastname@example.com
B.S. 1949, University of Maryland
J.D. 1953, George Washington University


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Insurers are by nature risk averse, conservative, highly compliant and slow moving. But once they get moving they will squash many startups that plan to steal markets and customers.
Whilst some frothy startups announce mid-term adjustments as a major innovation ( just one product and restricted geography) here Munich Re announce the same for a range of products.
And China being a hotbed of innovation with digital giants moving into insurance is a great place to launch such initiatives.
More ammo to the thought that 95% of insurtechs will disappear without trace and a small number of insurers ( 4 to 5 in each market) will win lion's share of revenues and profits as they exploit insurtech combined with their strengths.
"95% investment in Insurtech down the drain?"
Munich Re has released a modular all-in-one insurance solution for the Greater China market, leveraging its extensive knowledge of risk and technology. The new modular product, called Flexisafe, is an umbrella primary insurance policy which combines the most common insurance products many customers need – home content, liability, personal account protection, personal accident, and travel. Each Flexisafe policyholder can decide at any time to increase or decrease the sum insured for each product. For example, they can choose to decrease their home content insurance and increase their travel insurance coverage when they're in a period of frequent travel.


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Parents behave differently now from when I was a kid. No one today would even think of having a six-year-old walk a mile back and forth to school, like most children did a generation ago. But what about four kids taking public transit?
In British Columbia, a father was told his children, aged 7 to 11, were too young to ride the city bus on their own, even though he had spent months preparing them. It started, as so many things do today, with a complaint made to the authorities. But unless the children were misbehaving, it's hard to know what there is to complain about. They're travelling in daylight, not at night. And because they're in a group, they can look out for each other. Plus, kids today are equipped with cell phones. So unlike in my time, they can call for help.
What, exactly, is it that could go wrong that wouldn't happen when the oldest child turns 12, which is when the government says it would be okay? Ultimately, if their father thinks they're ready, no one, not even the government, should say otherwise.
Listen for 60 Seconds with Sutcliffe weekdays at 6:20 am, 8:20 am, 4:20 pm and 6:20 pm on 1310 NEWS. And join me and my guests on Ottawa Today, featuring discussion and analysis of the big stories of the day, weekdays from 9:00 am to 1:00 pm.


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Monday September 17th, at 6 pm
Hepworth Hall
The Mission and Outreach committees at our two churches are dedicated supporters of the Canadian Foodgrains Bank. This special dinner, presented by the Curry House restaurant in Owen Sound, will highlight the effectiveness of Foodgrains outreach in places like Bangladesh. Part of the price of the ticket will go toward the Foodgrains bank.
Tickets are $25 each; call Lillian at 519-935-2214 for details


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Watch Apple's Entire Launch Event In 108 Seconds
Use your time wisely.
We didn't have two and a half hours to watch Tim Cook & co. drag on about Apple's new tech mixed with the corporate theatrics and drama. And we assume you didn't either.
We've got you covered. Here's that same presentation in a mere 108 seconds.
You're welcome.


text:
Experience Tokyo with the ultimate touch of luxury.
An exceptional place of luxury and rejuvenation can be found in the heart of Tokyo.
A little shopping spree never hurt anybody
Find your new favorite drink in Tokyo
The best of the city's many dining options
These Japanese cosmetic brands bring femininity into full bloom.
History and modernity; convenience and elegance.
At LUXOS, we are thrilled to be launching our first Tokyo issue!
A complete guide to your day trip in Kyoto.
A 5-star stay in the heart of Tokyo.


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On January 25, much of Hollywood groggily awoke hoping to hear their names called during the 5 a.m. Oscar nominations announcement.
As Jennifer Lawrence read the nominees, we noticed a few big surprises that will make for an interesting show during tonight's Academy Awards broadcast.
Comedy stars, who rarely make any Oscar's list, came in strong with noms for Melissa McCarthy, Kristen Wiig ("Bridesmaids," seriously) and former "Superbad" star, Jonah Hill as Best Supporting Actor in "Moneyball."
Oscar favorites such as George Clooney and Meryl Streep had their names called, but other hopefuls such as Leonardo DiCaprio, Carey Mulligan and Michael Fassbender are probably still staring at their TV sets.
We bet you didn't see this one coming! Not only was Melissa McCarthy nominated for Best Actress, but Kristen Wiig and Annie Mumolo were also both nominated for Best Original Screenplay.
Who would have thought that a film famous for this gross scene would get so much love from a usually conservative Academy?
Really? Jonah Hill, star of "Superbad" will forever be introduced as "Oscar nominated actor, Jonah Hill"?
We're not saying we're not Jonah fans, because we are; we're just saying maybe the guy could take on one more dramatic role before being nominated for an Academy Award. This is the same year he starred in " The Sitter," after all.
Like this month's Golden Globes, The Academy Awards will see best buds George Clooney and Brad Pitt up against each other in the Best Actor category. Clooney for his role as a struggling dad in "The Descendants" and Pitt for his turn as an inspired baseball coach in "Moneyball."
Clooney took home the Globe, and we're betting the Oscar's won't look much different.
Angelina Jolie will be attending the Academy Awards on the arm of her nominated baby daddy, Brad Pitt, and not as a nominee herself.
While Jolie's directorial debut and passion project, "In the Land of Blood and Honey," was nominated for Best Foreign Language Film at the Golden Globes, the film was noticeably left off this year's list of nominations.
Rooney Mara is only 26-years-old and hasn't had much big time movie experience. Her biggest onscreen credit thus far: playing Mark Zuckerberg's girlfriend in David Fincher's "The Social Network." She's also the only first time nominee on the Best Actress list. Not bad for someone who played small roles in indie films.
"The Girl With The Dragon Tattoo" Director David Fincher, who was nominated but lost last year for "The Social Network," was completely left off this year's list of nominees.
"The Girl With The Dragon Tattoo" was also left off of the Best Picture list, despite DGA and PGA noms.
The Academy loves them some Steven Spielberg. Well, not enough to nominate him for Best Director, but still enough to nominate his passion project, "War Horse," that didn't do that well with critics nor at the box office.
It's going to take a miracle for Spielberg's "Horse" to win this race.
Carey Mulligan and Michael Fassbender were both shut out for their emotionally draining performances in "Shame," despite tons of nudity, an Academy favorite when done right.
Shailene Woodley, who plays George Clooney's daughter in "The Descendants," was also left off the list, despite her nominations at the Golden Globes, BFCA and winning Best Supporting Actress for the National Board of Review.
And it appears Leonardo DiCaprio, who played J.Edgar Hoover in this year's "J.Edgar," should have spent less time gallivanting around Europe with Blake Lively and more time on his craft.
First the People Magazine "Sexiest Man Alive" cover goes to Bradley Cooper and now this?! Ryan Gosling really can't catch a break this year, can he? The actor was left off the list of Academy Awards nominees.
Despite being nominated for an Oscar in 2010 for her role in "An Education," Carey Mulligan was shut out for her performances in both "Drive" and "Shame."
And while his casting in "Drive" was polarizing among critics, we're still surprised Albert Brooks didn't get a nom for his role as gangster, Bernie Rose.


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Baburaj Raghavannair: The secret to bliss? Mastery, devotion and love
Welcome to the episode #7 of the Good Karma interview series!
What's the "secret" to mastery? "Practice", of course.
Or "correct practice", you might say.
And how do you know you're practicing correctly? "That's what a teacher is for", you might add.
Well, Baburaj did what most of us would have thought impossible. He learned and practiced all by himself - with nothing by BKS Iyengar's Light on Yoga book as his guide.
And he did that everyday for 10 years. 10 years!
What can 10 years of focused, disciplined practice do for you? Keep reading to find out.
I felt incredibly lucky to speak with someone with the kind of focus, determination and dedication that Baburaj demonstrates. But even beyond that, it is his compassion and love that will win you over.
Here's the complete audio of the interview:
[New interviews published every Wednesday. Hit "Like" to get notified.]
Early years
Baburaj's father passed away when he was 14.
Soon after, his older brother discontinued studies to work and fend for the family.
While Baburaj had been drawn toward a more spiritual life even before these things happened, these incidents pulled him further toward the life of a monk.
Fast forward a few more years. He'd now completed graduation and was ready to leave home: To lead the life of a Parvrajaka Sanyasi - a traveling monk, who is never "attached" to any one place.
He would rely on the Bhagavad Gita and other texts to guide him while starting to embark on this phase of his life.
A note for all parents reading this
Baburaj shared an interesting insight that is quite useful for all parents reading this. Looking back at his earlier years, when he was reaching adulthood - he feels that, had he been more fortunate, he would have certainly gained from better guidance, more company, a deeper friendship with his parents.
For me personally (as a parent of a 7 year old), this was a great tip. I'd been leaning more toward the thought that as our children reach adulthood, we should step away more - and let them make their mistakes, go through their individual struggles and learn to stand on their own two feet through those difficult, but necessary experiences.
Here is Baburaj's thoughts on this:
Getting attacked...at 3AM
Baburaj was now routinely doing long walks to get accustomed to the life of a traveling monk.
It was 3AM in the morning. He was walking back from Guruvayoor (the famous temple town) to his hometown, Thrissur - a 28 KM walk.
At one point, there were no streetlights.
In the conversation that ensued, things got heated. And then, one of the men hit Baburaj on the chest.
Thankfully, it ended there and the 4 of them went on their way.
But this incident shook Baburaj so much.
He realized he needed to become stronger: Both physically and mentally.
Some questions he asked himself:
It was now clear he needed to grow in a different direction.
He chose Hatha Yoga.
Getting started..
Why did he choose Hatha Yoga? He'd seen his brother practicing it for a long time already. So, he knew how to get started. In fact, he'd himself tried it once in the past and discovered that he was already quite flexible.
Who was his teacher? The Light on Yoga book, by BKS Iyengar.
And to continue on the path of spirituality, he would combine chanting mantras mentally while performing asanas.
That was the plan. For how long would he do this? As long as it took. To get stronger physically and mentally. That was the goal.
The practice
For the first two years, he practiced just 2 asanas: Bhujangasana and Paschimotasana.
[In the pursuit of mastery, this is called the deconstruction - breaking down the skill into its fundamentals - and then honing those basic pieces with repeated practice.]
He continued his self-practice and training for a total of 10-12 years in obscurity, before he was "discovered" by the outside world.
Avoiding boredom, retaining focus, achieving acceptance.
I personally found it difficult to even imagine practicing just 2 asanas for 2 years, forget actually achieving it. My mind is always looking for "new" things - to avoid boredom.
I asked Baburaj how he was able to maintain such focus and discipline and not get bored.
He laughed :).
When he'd first started practicing, he was unhappy with the state of affairs and his difficult livelihood.
But after the first couple of years, he gradually moved into a state of acceptance and started to feel the peace he'd always been seeking.
What can 10 years of practice do for you? Watch the following video to find out.
The Chinese Bamboo
Have you heard of the legend of the Chinese Bamboo? The story goes that, for the first 3-4 years, the plant hardly shows any sign of growth. But if you keep watering it, tending to it through those years - one day, it'll start to grow. And then within a few weeks, it'll grow to be many feet tall.
Baburaj's story is similar. He'd been training for 10 years. And then one day, his neighbor asked him.
And that was the beginning of the next phase of Baburaj's life.
That of a teacher.
Medals, certifications, international travel
Since Baburaj's goal in training himself in yoga was purely to grow spiritually, he'd never explored the world of yoga teaching and training during those many years of practice.
But after that initial stint in teaching his neighbor, the word started to spread. Baburaj won prizes in competitions. More teaching engagements followed. And that was how Baburaj started being known as a yoga teacher.
After another year or so, he was then invited to teach at Bangkok.
That was the question he was asked, when he started the visa application process.
The fact that you could get "certified" as yoga teacher was a new concept for Baburaj. He looked around for various options to get certified and eventually signed up for a teacher's training course at the SVYASA institute in Bangalore.
Baburaj continued his training in other places as well, including the Sivananda Ashram in Madurai.
It was there that he met his future wife Amandine - who had temporarily moved from France to learn yoga and dance in India.
International experience
Baburaj has since taught at locations all around the world: Thailand, Russia, Ukraine, Laos, France.
What has been experience teaching at these places?
But he would still encourage his students to grow spiritually, where ever there could find a translator who could convey his thoughts to foreign students.
Baburaj is currently back home in Thrissur to take care of his ailing mother.
Yoga is not about asanas and flexibility. It is about love and helping others stand on their two feet.
He hoped to continue his teaching journey, when his mother feels better. Until then, he's in her seva.
Baburaj also sings Bhajans. Listen to him singing and you'll also feel the love that he spreads.
Tips for practitioners
I asked Baburaj to share his thoughts on his journey so far. And to share his tips for yoga practitioners everywhere.
His response:
Before I started writing these interview notes, my mind was a bit agitated. Full of thoughts, fears, anxieties.
But just sharing Baburaj's journey through these words has made me feel peaceful.
I hope you feel the same way, after reading this.
Needless to say, if you can make time to listen to him speaking, nothing like it. Just scroll all the way up and hit play.
How to contact Baburaj
Facebook: https://www.facebook.com/baburaj.raghavannair
Website: http://www.yoga-pranidhana.com/
About Good Karma
We help yoga centers & freelancers grow their business. So that you can get more customers, get paid faster and have more freedom to teach yoga.
Learn more at GoodKarmaYoga.in.


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Introducing our NEW SS18 collection
Summer of Love
In Summer of Love messages of hope, and symbols for a more peaceful world are found in nature, through Alex's ever-intricate style.
Bolder, playful styles sit alongside glamorous silhouettes, and are enriched with Sapphires and Tourmalines in colour combinations that echo the origins of 'Flower Power'.
Inspired by world events, and looking to the past to find strength for the future, classic pop-culture symbols of Love, Hope and Peace are reimagined in this optimistic collection.
Signature Styles
Flower-Power Peace Sign Necklace
Here, the iconic symbol for peace is combined with a flower-power aesthetic as Alex adornes it with blooming flowers, leaves and stars. Complete with a set green tourmaline.
Flower-Power Lace-Edged Earrings
Mixed sapphires and green tourmalines are found in amongst blooming flowers and symbols of hope in these hoop earrings. Delicately edged with lace styling.
LOVE Cross-Knuckle Ring
A set of delicately handcrafted, floral inspired letters spell out the word LOVE in this cross-knuckle ring, a new first for Alex Monroe.
Lace-Edged Heart & Flower In-Line Bracelet
Echoing those retro summer looks, Alex's delicate lace-edged heart design rests centrally on this in-line bracelet. Adorned with a single flower and leaf.


text:
I am Matthijs de Rijk! An Historical Reconstruction Artist from the Netherlands. I've always been driven by the urge to create and to bring to life. Build worlds of other times, lives that no one has ever experienced. It sparked my believe that creation, besides love, is one of the highest callings of humanity. This virtue, together with my passion for history, sparked my career in history reconstruction. I started rebuilding places that had long gone, reanimated people that had long turned back to dust. I wanted people to experience what had been. Not only to show, but also to teach something about themselves. This became my mission! I started in 2007 with blender, so with over 10 years of experience, I think I call my self fairly advanced with the program. Other programs like Substance Painter, Photoshop and Krita became part of my workflow through the years. And currently working a lot with Unreal Engine for to create amazing VR experiences. Check out my homepage for more!
No members were found matching the criteria specified. We suggest you try the member list with no filter applied, to browse all available. Join now to share your own content, we welcome creators and consumers alike and look forward to your comments.


text:
Just A Kid From The Grandstands: My Time In Auto Racing
Available on Lulu in Paperback And Hard Cover
Don's California Racing Recollections: Best Of The Blog And Beyond
Available via print on demand at Lulu in Hard Cover or Paperback
Also, what could be a series of informative books...
Short Track History Project at Gofundme
Yeah, I Love Announcing The Races
I wrote a column for The DCRR. I'm sot sure if I ran it or not back then. I was trying to locate it to post it here, but I'm having no luck finding it. I want to be brief here anyway. The audio is linked at the bottom of this article if you want to skip my ramblings this time. I understand. This is just my thoughts on announcing.
In my auto biography, I spoke of announcing when I was a kid. I'd turn the TV down and announce football games. If I didn't get in the game at recess at school, I'd announce it. Then, there was the hot wheel racing on my coffee table. Yes, I'd run a full program every week from time trials to the Main Events and everything in between.
I'd tape the numbers with masking tape on the roofs of the cars. The Sportsman division and the Street Stocks. I kept points. In my hot wheel world, guys like Allan Nordstrom, Len Mello, Don O'Keefe Jr., Ron Brown, Marion Heaton, Dan Hatfield and others could win. I've always been a fan of the underdog. So, I'd run these races and announce them. Then, I'd go watch the real races.
I didn't think about announcing so much when I stared writing about the races. I got a couple opportunities with the NCMA and at Petaluma, but it was fun. Petaluma happened on somebody's whim, which I write about in my auto biography. I had to go bragging about my knowledge of Petaluma racers. Well, it was true. I kept stat books for Antioch, Merced, Watsonville, Petaluma, San Jose. I think there's some Bakersfield there too.
I cared enough about the NCMA that I jumped at the chance to make sure the guys got the proper coverage. I wrote about those opportunities at Marysville and Antioch and what happened at Antioch then to put an end to it. But now, I had an interest in announcing. It only grew as the next few years passed. I learned some from Butch Althar about the importance of announcing sponsorships. It wasn't being done properly. From what I've heard lately, it's not being done at all now at one track I know of.
Why is that important? Sponsorship is the life blood of this sport. Without that extra money coming in, some drivers can't even afford to race, and tracks need that sponsorship money too. Even if there are signs around the track and sponsors painted on the cars, that's not enough. Announce those names. It means something to those businesses and it makes them owners happy. If they are happy, the sponsorship money comes. If the money comes, more drivers race and the track can do more. Why is this a foreign concept to some people now?
When I got the gig in 1998, I knew I'd be plugging sponsors, so I started gathering them immediately. As car count grew and the track became pressed for time, I'd hear the whole, "we don't have time for sponsors" nonsense. Oh really? Watch me make the time. Drivers had their sponsors announced twice a night, sometimes three times. The track did too. Even with over 100 cars, I made the time. I heard of drivers before I came along who lost sponsors because they weren't being announced. Seriously.
Of course, my extensive knowledge when it comes to track history came into play when I announced. Always present the racers in the best light so the fans learn more about them. This includes history, current facts, sponsors and other interesting details. Those details are learned by walking through the pits. Can you believe some track announcers still read from a piece of paper without walking the pits? That's unacceptable. Set the announcing gear up before the racers sign in and be there at the gate to meet them. That's how it's done.
I brought this same style to Merced and Chowchilla. When, Johnny Sass was at Merced, he knew the value of sponsorships. His skills landed the track many good sponsors and helped keep things going. The fact that he let me call the races at Merced in his booth is something I will never forget. I admired announcers like Sass, Althar, Harry Osbourne and Ron Albright, to name a few. I wanted to be good like them, and think I did okay.
It's a responsibility to announce. You have to keep the crowd informed and entertained. You have to take care all of the drivers and you have to do what the tracks need you to do. I'm proud of the work I did in the six years these tracks had me announcing. I think I added something to the show and helped showcase those racers as the stars of the speedway that they ALL are. Were I to do it again, that's how I would approach it. If the opportunity never arises again, I'm proud of the way I did it before.
Do I still have that ability? I don't know. Maybe I do. I have an audio you can listen to, which is right below this article. It's five divisions of Main Event action at Antioch Speedway from March 21, 2015. What a show and what a hooked up race track. Anyway, I hope you enjoy this. It was certainly fun to watch.
DCRR Racing Radio Audio Calls From Antioch Speedway
March 21, 2015
Being A Good Publicity Director
Many times, my conversations with my friend Don O'Keefe Jr. lead my mind to interesting creative areas. He has a good mind for racing and he knows the value of looking ahead at where things are going and plotting courses for a better future. This is something that is needed in the sport desperately in some places. One area you can start with is Publicity Director.
This leads me to an area which was inspired by one of Don's old News & Rumors columns that I've linked HERE.
Let's Look At Websters Dictionary, shall we.
noun pub·lic·i·ty \(ˌ)pə-ˈbli-sə-tē, -ˈblis-tē\
: something that attracts the attention of the public
: attention that is given to someone or something by newspapers, magazines, television news programs, etc.
: the activity or business of getting people to give attention to someone or something
noun di·rec·tor \də-ˈrek-tər, dī-\
: a person who manages an organized group of people or a part of an organization (such as a school or business)
: one of a group of managers who control a company or corporation
: a person who directs a play, movie, etc.
Okay, the definition of the role is obvious. You handle the publicity (the hype) for the track, and you direct it to all of the appropriate media and social outlets. You should use any and all angles, because your success will have an effect on the success of the race track. I believe I played a part in successes at multiple race tracks.
One thing missing from some tracks is a proper news release of what happened at the previous race. It's lacking names, a race summary and even timeliness. Waiting all week to put something out there is not good. Put that word out there immediately. There are many ways to accomplish this.
Social media is important. Use Twitter, Facebook and whatever. It's free and people see it. You can just put up a few sentences and a picture, a few paragraphs or whatever. On Twitter, you get in and out in 140 characters. Put up the winners and a link to the web site. Do live updates. Social media matters.
Now, there's also the newspapers and news sites. You need to hit them and hit them hard. Really, you should have a laptop at the track and get to work as soon as possible. I did that at Chowchilla, and it made a difference. And, here's another thing to try. If newspapers have a writer they are willing to send, embrace that. It can lead to more space in the paper.
As the track's PR person, you see to it that the big papers in the area are invited. You have a media guide booklet in the press box for them, full pit access as needed, internet connection and even food and drink. Yes, food and drink. The big sports do it. Altamont Raceway even did it for their weekly races. If they have guys willing to come from the newspaper and write articles for the track, welcome them and be helpful to them.
The PR person will give the newspaper reporters a phone number so if any questions arise, you can answer them. I did this at Antioch for the previous management. All too frequently, they had the reporters calling me for the information on track history and that sort of thing, and I helped new reporters learn the ropes. So, the PR person might need to help break in a novice reporter, because that's who the paper is likely to send unless the paper has a veteran reporter who loves racing. That's okay, though, because that new reporter can turn into a friend and ally for the race track
Now, as PR person, you still issue a press release race review for the newspapers, and you send it to any paper within 30-40 miles of the track. It doesn't matter if it all gets used, some of it gets used or you get ignored. Get them used to the fact that they have information coming in, and eventually they will pay attention. That's how it worked for me at Chowchilla. Newspapers still matter. A press release on Wednesday that hypes up the coming event should be a part of the job too. Hype up the point battles and that sort of thing.
Then, you can get into individual driver stories. Those matter too, but some PR people rely on them as a crutch. If you are mainly doing those types of stories, then many drivers aren't getting any mention at all. They get discouraged and start thinking they don't matter to the track at all. These are basic fundamentals, but only some of them. Technology has changed, but the need for an effort has not.
The Publicity Director is responsible for presenting the track in the best light and attracting fans to the races each week. Why should they want to come? Here's a news flash. It's not to "save racing" because that's not a fan's responsibility. They are responsible for spending their hard earned dollars on things that entertain them. It's up to the race track to entertain the fans and make them want to spend money there on a regular basis.
So, the PR person needs to have prompt news releases that hype the important details. They should be a part of making sure the web site has relevant information for the fans. They should engage in social media in a friendly manner, whch doesn't always happen. They should keep an eye on the pulse of the internet and social media and give people a reason to get excited about the races.
I don't think it's a stretch to say this person can have a big impact on whether fans come to watch or whether some racers come to race. They can help make or break a race track. If they aren't doing their job right, the track can suffer for it. Anyway, this is just something to think about. It would be nice to see some Publicity Directors that can direct publicity in the right way. Fortunately, there are some tracks that have one.


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Prostar Water Inc. is a family owned & operated company that installs and services industry-leading water filtration and treatment systems. All of our products are manufactured right here in the USA by Puronics®, a company with over 70 years of experience in providing water treatment to over one million Americans.
Most Puronics® products that Prostar Water Inc. provides incorporate SilverShield® HYgene® to inhibit bacteria growth within the water treatment and filtration system. The technology behind this proprietary product was adapted from NASA's silver ion technology developed to purify water for the astronauts aboard space shuttles.
We also offer the Puronics® line of whole-house water treatment and filtration systems that utilize green technology to produce great tasting, crystal clear water while reducing scale caused by hard water without the use of salt, potassium or chemicals. It requires no electricity or water usage to perform at maximum efficiency.


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Non-Executive Director
John joined the Tharsus Board in October 2014 as Non-Executive Director.
Considered a thought leader in the field of People Dynamics and Developing Collaborative Advantage, the additionality that John brings to the board will drive a positive impact on customer and staff engagement.
John will also focus on guiding Tharsus to create the most productive environment in which staff can maximise performance during the next few years of planned, rapid growth.
John has 25 years of international senior team development experience and, in addition to his NED responsibilities, runs two management consultancy companies. The first, Strategic Resource, provides management due diligence and portfolio senior team development for investors. The second, the Leadership Initiative, provides disruptive technology in developing the precise leadership skills required to deliver the business plan.
John lives in the English Lake District and enjoys sailing, horse riding and being a grandfather.


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I've been using the Fuji XF10 for three weeks now, which I think is long enough to share what I like and dislike about this camera, so far. I'm not going to do what everyone else does and compare it to the street shooters go-to workhorse, the Ricoh GR2, or the recently released GR3 (despite the three cameras being very similar).
So what don't I like? There's no viewfinder, which is fine, but I'd like the option of attaching a separate viewfinder; however, there's no hot shoe. (even a cold shoe would do). There's also no option whatsoever to attach anything to the lens – I think this camera would benefit, performance wise and aesthetically, with the addition of a square hood.
I've read a lot of complaints about the XF10's focus capabilities; personally, I have no real issues with it. No, it's not super fast, and the continuous mode is, well, I actually have no idea because I never use it. I either use single shot mode autofocus or manual zone focusing. The XF10 is essentially a premium quality point and shoot camera – if you want super fast autofocus, buy a £3000 DSLR. (At the time of writing this article, I did a firmware update, and the autofocus is now substantially quicker)
And that's just about all I don't like about the camera… another lug on the right of the body for a neck strap would be handy.
What's good? The XF10 produces beautiful RAW files straight out of the camera, the auto white balance tilts slightly to the warm side, but I like that, and colour and tone are excellent.
The 28mm 2.8 lens is razor sharp at all apertures and displays minimal distortion – I know 28mm isn't the ideal perspective for portraiture, but that's never stopped me. 28mm seems to be the new favourite for 'Street Photographers', and I think it's this genre that Fuji is aiming at; at a time when everyone has a camera on their phone, I'm not sure who else is using compact cameras these days?
The XF10 has a leaf shutter, which makes the tiny flash surprisingly usable for daylight fill-in with shutter speeds up to 1/4000th of a second available. The only downside of using the flash constantly is that the usual 300 shots per battery plummet to around 100.
All of these images are edited RAW, using various presets and 'personal recipes'. There are several in-camera presets that emulate Fuji film emulsions but only as jpegs (I still don't understand why some photographers shoot jpegs?)
So for the past three weeks, I've just used this camera in the same way as I'd use my iPhone 8+ or Olympus Mju2 film camera – as a snapshot camera. But the Fuji XF10 is more than point and shoot compact; it has a lot more potential – I'm taking it to Amsterdam in a few weeks, I'll have a go at finding my inner Daidō Moriyama with some proper street photography.


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Last night I had to confess.
I have come to the realization that most regrets come from things not done rather than things that were.
Several years ago I received a call one evening from a close friend of mine. I hadn't seen him in a while but he was one of those friends that no matter how much time passes by it's only an instant. I was thrilled to hear from him. The last time I had seen him he was arm in arm with his beautiful wife that he had fell in love with in college. They were all smiles as always.
We started to make some quick small talk on the phone and then he told me he had something to tell me. I asked casually what was up. He then proceeded to tell me how he and his wife had separated. I was crushed! I honestly felt like crying. They were "the" couple. Two beautiful kids, great careers and people you'd just want to spend your life hanging out with. I honestly was surprised by the intense reaction I was having to the news.
As he told me some details all I could think of was getting in my car and driving the three hours to where he was so I could give him a big hug and tell him how much I loved and cared about him. Even after we hung up the phones and I was telling my wife of the situation, all I could think of was get in the car but then there was that small part of my brain that said, "maybe tomorrow it's late".
The Next Day...
The next day came, my heart still hurt. I was still thinking about after work making the drive to see him. Then the end of the work day came, I was tired, and the part of my mind that's oh so gifted at rationalizing ridiculousness convinced me that maybe the next day would be better. Good grief.
Four years later...
Now let's fast forward about four years. I received a call from another dear friend of mine this past week to let me know his mother had passed away. She was one of the greats. Always kind, gentle and smiling. I told him how sorry I was to hear of her passing and asked what arrangements were made. He informed me that the memorial service would be held several days later, which as I write this was last night.
Every week my wife and I volunteer for a student event in the evening one night and it just so happened to fall on the same evening of the memorial. The service was to be held a little over an hour away and I really wanted to be there to honor how special she was and to see my dear friend. As you can guess that voice of rationalization started to creep in and remind me how busy my day and night already were and how an earth could I squeeze another thing in.
In life we all have moments of failure and then we have moments of success. This time, I would succeed! I made it thru my tiring work day and then went to our student event. I was able to get things in place and then leave early to make the drive out of town to the memorial.
It was sad to be attending the service and the circumstance but it was great to able to wrap my arms around my friend and tell him how much I love him. Funerals are always a reminder of how precious every moment is and how regrets of moments lost can pile up when we lose awareness.
It was at this moment that I saw out of the corner of my eye my other close friend that I started this story telling you about. He was there! He had made the three-hour drive to be there for our mutual friend. It was at this moment that I went over and hugged him tight, told him I loved him and then confessed the regret I had been living with for the last four years.
He was cool as a cucumber and told me it was no big deal. I believe him. But it didn't matter. It was a BIG deal to me. I knew what I wanted, no needed to do and failed to do so. It was a great opportunity to succeed in confessing my failure to him. He listened with a smile and updated me on how well everything was going for him, his children and his ex. He was awesome. What a great friend.
So why am I telling you this story?
We all have moments where we know what we need to do, but somehow we let time go by and don't do it. Sometime it's life goals. Sometimes it's as simple as making a phone call to say hello. Other times it's something that would make a great impact in someone's life. I beg you, don't wait till you have to attend a funeral to be pushed to take action.
As Nike would say, "Just do it".
And I will add, "NOW!"
Don't live a life of regrets of things undone. That voice that rationalizes and holds us back is stealing moments of success from us. Listen to what you know is true. Make all your moments count.


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My Little Box is a french brand with a concept of "mystery box" you receive at home. What's inside ? A selection of beauty products ( facial masks, makeup, accessories, body oils... ) choosen by 5 professionals just for you. Each month you will receive your little box, full of surprises and famous/high quality products, guaranteed chills ! The box you'll see here is the Geekette box, which contained a Klorane dry shampoo, an eyeliner ( my favorite ), a light pink lipgloss, a protection clutch for computer and decorations to stick on the keyboard.
New Life, Coquine, Party, Geekette, Riviera, Sunshine box, each month is matching a box, which one will be yours ?
Here is the website, don't wait to subscribe or send one as a gift : My Little Box


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My oldest is 10 today. It's hard to believe. Really. I can't be old enough to have a 10 year old. Ok, I am, but still – it's weird to think about!
Kinda cool too. But scary because he's now more than halfway to 18. Yikes. I'll stop there.
We celebrated Nathan's birthday on Saturday. I made him a chocolate cake and decorated it with an "experiment" according to Nathan's direction.
It looks like a volcano – Nathan says it's a beaker with liquids and stuff mixing. Haha.
Happy Birthday, Nathan! We love you!


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As property owners, we have had to deal with some clogged drains, clogged toilet bowl, cracked toilet tank, leaky and broken bathroom and kitchen faucets, leaking water supply lines, and stuck garbage disposer, to name a handful of. With the growth in the Web and the way we study, create and discover in these modern days then good electronic gadgets genuinely blend in effectively with performing all of that. For numerous males this then narrows down to electronic gadgets and we really begin to focus in on those. This year's gadgets have more to offer you than final year's, and subsequent year's techno-toys are sure to make this year's appear like stone tools. There are many electronic gadgets to pick from but this section will look at the genuinely cool gadget concepts for men. If you want to save from costly plumbing repairs, you can get some kitchen and bathroom gadgets that will stop clogged drains. But be cautious if you see some moisture across the screens this might lead to harm to your gadget. Kitchen gadgets and tools were homemade as well as factory produced with a rich heritage of ingenuity on how to make the kitchen and food prep task the most easy.
And it really is everywhere in our culture-almost everyone has a television, a radio, a CD collection, a pc, and numerous other gadgets. When you turn your gadget off, take away the SIM cards, memory cards, covers, and even the added accessories. Here's is the rundown of top 10 real-life, upcoming gadgets and technologies which will adjust the globe. Enjoyed your lens and agree that some kitchen tools and gadgets are just a have to to have. What seems like a great cost on a digital camera now may well not be such a fantastic cost eight months later when you are ready to give the camera to that special person. According to my twenty anything years old daughters these are the gadgets that their guys like to be noticed with.
Normally since these electronic gadgets are so popular it is usually hard to uncover them and get them. Just put, there are a lot of varieties of gadgets but some are just cooler than the other individuals and these are the varieties of gadgets that guys want to be observed with. Even even though there are a lot of waterproof gadgets these days, preparation is nonetheless the number a single answer to get away from disaster. This is not a great time to purchase the newest electronic gadgets like digital camera or computer systems.
And, of course, with that gadget comes other people, like docking stations to play the MP3 player in the home, and radio converters that let you listen through you car's radio method. Just don't forget to hold your gadgets checked and secure ahead of going on a trip to the beach or anyplace else. You may well want to put it nevertheless overnight to truly make sure that your device is dry, but do not overlook to move your gadget in some occasions so that you covered the whole physique. The Prostretch: This gadget is utilised to stretch each your calf and shin muscles as properly as the sides of your ankles. Apart from cell phones, this gadget can also charge micro USB port devices and digital cameras. When you uncover out that your gadget got truly soaked and your very first help would not recover it any longer, go to a skilled and have your device checked.
These are exclusive gadgets and I have picked the inexpensive ones rather than the quite high-priced ones. These gadgets expense funds, and they send a signal that the owner has it to spare. The MoH Band USB Flash Drive Wrist Band is a useful addition to your need to-have gadget list.


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RHOP Ssn 2/Ep 6 Recap - Messy Games
Glenn Rowley
This week on The Real Housewives of Potomac, the rumor mill around Potomac causes huge question marks about Robyn and Juan's relationship. Plus, Charrisse gives Ashley and her meddling ways a piece of her mind. Read on for a full recap of all the drama - from the dress shop showdown to the unexpected "Juan-tervention"...
We pick up smack dab in the middle of Monique Samuels' game night. Gizelle Bryant has made her exit after being kicked out of her new nemesis' home, so the drama sets its sights on a new target. And with Ashley Darby spilling tea to all the other women that her ex-husband Juan may be dating other people, it seems that target is Robyn Dixon. Poor Robyn walks right into a conversation about her as Ashley fills Karen Huger and Charrisse Jackson Jordan in on the gossip and manages to maintain her composure on account of the fact that Juan is sitting at the card table just a few steps away. Charrisse steps up for her friend by pointedly advising Little Miss Ashley to focus on her own relationship instead of digging once again into Robyn's, but the youngest 'Wife fires back that Charrisse is the one who's stayed in a miserable long-distance marriage for years and might not be an expert on happy relationships. Ouch. Before the shouting can devolve into even more chaos, Monique breaks up the conversation by dragging everyone onto the dance floor to end the night. Everyone, that is, except for Juan, who opts to sit back and watch Robyn get down with the other women and their husbands from the sidelines.
Back in Potomac, Karen and her husband meet with their real estate agent to discuss the progress on selling their Potomac home. It turns out the grande dame's mansion has lingered on the market without a single bite, which has prompted the selling agent to lower the price below $2 million and contemplate holding a dreaded open house to stir up interest in the Hugers' outdated kitchen. No surprise, Karen is deeply offended by all of this and refuses to allow "bottom-feeders" to traipse through her home during an open house. Shudder at the thought! But does the grande dame not understand that she can't control who actually purchases her house when she's the one who's leaving it behind?
The next day, Gizelle rehashes the game night drama with her friend Kal while Charrisse meets Ashley to go gown shopping for ball-and-gala season. Sha Sha is still fired up about Ashley's insensitive meddling at game night and isn't afraid to put the former pageant queen on blast. Charrisse accuses the "little girl" of spreading lies about Robyn and Juan and once again questions her bizarre need to constantly put her nose in everyone's business. Ashley claps back that all Charrisse ever wants to talk about is her failing marriage and she's sick of seeing Sha Sha cry all the time. At this point, Charrisse makes it crystal clear that she's "about five seconds from f***ing [Ashley] up," prompting the younger 'Wife to storm out of the dress shop in anger with Charrisse lobbing insults at her back.
While Robyn and Juan do radio interviews to promote their upcoming youth basketball camps, Monique and her husband Chris meet with their pastor and his realtor wife to sign the papers on house #5, a $4.75 million Potomac mansion. More importantly, Monique is in serious need of some spiritual guidance regarding her feud with Gizelle. She gets teary-eyed (and a little bit pouty) as she explains how tired she is of being judged for having four houses and a rich athlete for a husband, but her pastor reminds her that she's the one who needs to apologize to Gizelle for calling her a "stuck-up trick." Your move, Monique!
Finally, the episode ends with Charrisse and Gizelle sitting Robyn down for a private intervention regarding her relationship with Juan. No one knows whether to believe the rumors Ashley is spreading about Juan and a side piece and Gizelle asks point blank how the gossip made Robyn feel. Robyn claims the kids come first to the ex-couple, but that doesn't answer the will-they/won't-they question of Robyn and Juan's relationship. Once again, the PR maven reiterates that her ex-husband would like them to be in a relationship, but puts the onus on herself for still having a wall up about taking that step. Charrisse reminds her friend of the years she and Eddie have wasted being unhappily tied to each other. The point is this: if Robyn is fine with where she and Juan are at, then her friends need to trust her judgement. She may not have a plan for the future, but eventually something has to give, right?
What did you think of this week's RHOP? Were Gizelle and Charrisse right to sit Robyn down for a "Juan-tervention?" Is Ashley's meddling causing too many problems? Let me know in the comments section below!


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EL-HASANA, Egypt (AFP) - Egyptian rescue teams were looking on Sunday (Nov 1) for more victims of a Russian passenger plane crash in Sinai, widening the search after finding bodies scattered across 8 sq km a day after the incident.
A military officer helping with the search told AFP that rescuers had found 163 bodies out of a total of 224 people who were on board the Airbus 321, which crashed after taking off from a Red Sea beach resort.
The plane was carrying 214 Russian and three Ukrainian passengers, along with seven crew members.
Rescuers have decided to widen the search perimeter to 15km, the officer added.
"We found a three-year-old girl 8km from the scene" of the main wreckage, he told AFP from military base in El-Hasana, around 60km from the crash site.
Many of the bodies were missing limbs, said the officer, who requested anonymity because he was not authorised to speak to media.
Meanwhile Russian investigators have arrived in Cairo and will be given access to the scene of the wreckage in a remote part of the restive Sinai Peninsula, the official MENA news agency reported.
Investigators had recovered the plane's black box and the government said its contents were being analysed to determine the cause of the incident.
Egyptian and Russian officials have expressed scepticism about a claim by an Egyptian branch of the Islamic State in Iraq and Syria group that it downed the plane.
The extremists operate in the north of the peninsula, where they have waged an insurgency that killed hundreds of policemen and soldiers since 2013.


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We're happy to share with you this recently completed 2-room apartment located in the center of Oradea, Romania, in a newly built residential building.
The apartment was designed for a young couple with a pretty busy lifestyle, so we aimed at creating a functional and cozy place for them to call home. Having to work with a fairly small place, we tried to optimize as much as possible each room.
The kitchen is tiny by all standards, so we maximized the storage space by continuing the furniture under the window as well, integrating the radiator in it.
We kept the living room-dining as airy as possible, with just a few essential pieces of furniture, whereas integrating a large storage wardrobe along the generous hallway towards the rooms.
In the bedroom, we added a small bookcase on the wardrobe's side both for having a designated book storage and also for making the bedroom entrance a bit more interesting (instead of having a plain furniture side). The large mirrors help making the small room visually larger.
For the bathrooms we had 2 fairly different approaches - a lighter, timeless one for the main bathroom and a darker, bolder approach for the secondary one.
Overall we kept a neutral-warm chromatic for the walls and furniture and added splashes of color in the accessories (chairs, pillows, rug etc) which makes it easier to refresh if the owners will want different color accents in a few years.
Interior design: davidsign.
Photography: Andreea Iancu
Location: Oradea, Romania.


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What Utilities Need to Know to Survive Obama's Clean Power Plan
Below is a preview of Gelber & Associates' White Paper. The paper focuses on the risks and market opportunities resulting from federal initiatives to manage Carbon Dioxide (CO2) emissions from stationary sources. If you are interested in receiving a full version of the offering please follow this link to provide some quick contact details and a version of the White Paper will be sent to the email provided.
By Gary Scoggin and Arthur Gelber, Gelber & Associates
Executive Summary
On August 3, 2015 President Obama and the EPA announced the Clean Power Plan (CPP). Gelber believes that this, along with other Federal efforts to reduce CO2 emissions, will create a lasting impact from the Obama administration. This paper does not take a position on the merits, burdens, or necessity of the CPP. Instead, this paper examines the likely outcomes from CPP in the creation of state regulated carbon markets and how these markets will impact the utilities that operate within these markets. One result of CPP is that coal burning states, such as Missouri, will be market short CO2 credits while low-coal burning states such as New York will be market long CO2 credits. The CO2 market structures and rules will be designed by the state regulatory bodies but the required compliance action will be the burden of power plant owners and operators. At this time, Gelber believes that the probability of mandated CO2 reductions is high enough to warrant action for state regulations and utilities. State regulators need to develop a plan or risk a heavier handed approach from the Federal Government. Power generators especially need to organize and engage with their state commissions, industry peers, and internal decision-makers so that market rules and structures are designed in a manner to best achieve cost-effective compliance.
1. Background: The Clean Power Plan
The Clean Power Plan is a cornerstone of the Obama Administration's approach to reduce CO2 emissions. The plan was published in the Federal Register on October 23, 2015 and is an integral part of the US climate change commitments made at the recently concluded UN Climate Conference held in Paris.
The plan functions by creating limits on CO2 emissions at the state level. States are required to meet certain targets beginning in 2022 with final compliance by 2030. The state targets can be expressed on either a rate basis (measured in tons-CO2/MW-generating capacity) or on a mass basis (tons-CO2). Each state must submit a compliance plan to EPA by November of 2016, although a two-year extension is available. The EPA has also proposed a model federal plan that can be used as the basis for a state plan or in lieu of state plan should one not be developed.
A feature of the Clean Power Plan is language that enables CO2 emissions trading as a compliance tool. The CPP allows the creation of cap and trade markets (without calling them that) that can be formed within a state or across multiple states. Part of Gelber & Associates' job is to read the tea leaves. We currently believe that the CO2 management initiatives will go forward and that, with few exceptions, compliance will be achieved through trading-based systems because they generally offer the most cost-effective solutions.
3. Trading Mechanisms in the CPP
The Clean Power Plan, as well as the model federal plan, contains numerous features to enable CO2 emissions trading. As mentioned earlier, the CPP federal plan includes trading under either a rate-based program or a mass-based program. Under the mass-based program, the state would then initially distribute allowances under those state budgets to affected power plants based on historical generation (See Insert Calculation: The Math Behind Calculating the Emissions Allocation Gap for a description of how this could work and how we have calculated the resulting allowance gaps). In creating a market designed in this fashion, EPA is drawing on its experience in other emissions abatement structures such as the Acid Rain Program under Title III of the Clean Air Act.
To see #4-9, request the full report here.
10. Economic Factors in CO2 Pricing
Carbon markets in general tend to follow the overall economy. Figure 2 below illustrates how this is true for the EU.
Cost projections for carbon emissions under the CPP vary. If each state is taken in isolation, there will likely be substantial state-to-state differences for the value of emission allowances. One study projects market costs to vary widely between states. From as low as zero to as high as $26.00 per ton. The Texas grid operator ERCOT predicts that carbon prices in its interconnect to be around 22.50 per ton [1]. These state to state differences provide a driver for interstate trading arrangements.
The US Chamber of Commerce estimates that the cost to the economy of the CPP (not necessarily the market price of carbon) will be around $50 per ton in 2030 after peaking at $317 per ton in 2021.
In contrast, the EPA, in its Regulatory Impact Analysis of the proposed CPP rule, forecasted 2030 carbon compliance costs of $28 per short ton (ranging from zero to $106 per ton depending on the state).
The EPA also looked at regional compliance approaches where states could work cooperatively to reduce costs. The regional approach raised prices for some states and dramatically reduced costs for others; it forecasted average costs of $29 per short ton in 2030. Gelber & Associates will look at and forecast CO2 market pricing in more detail on a client by client basis and in a future white paper.
Figure 2: The relationship of carbon prices and economic growth
12. Trading as an Ingredient in Long-Term Planning
States and operators should seriously consider the essential role of emissions trading, when developing a plan for meeting CO2 reductions. Emission markets can be designed and implemented in a large variety of ways, some of these to the detriment of some operators. The creation of the California power markets around the year 2000 caused unintended harmful outcomes to numerous operators due to faults in the design.
There are two things that operating companies should be doing at this point:
- Participate in the design of state or regional emissions market architecture. This includes interacting with state regulators, peer groups, and interested parties overseeing the features of CPP market design. Be an advocate to educate state officials and help them avoid detrimental market design features.
- Brief the company's internal resource planners, environmental staff, management, and executives on the CPP market design and forward looking pricing expectations.
The ability to recover capital and operating costs will be a major component in shaping a particular company's CPP compliance strategy. We plan to write more about the rate-base issue in a later paper. In the meantime, Gelber & Associates would be happy to discuss this on a customized basis.
Gelber's trading and design understanding, along with our intimate knowledge of the utility business and the regulators who have oversight of it, prepares us to assist operators with these tasks.
13. Conclusion
The Clean Power Plan (CPP) is an integral part of the US climate change commitments. It creates a challenge for all electric utility operators and will lead to the restructuring of many businesses and the closure of many assets. Fortunately, the plan as written includes the opportunity for market-based compliance mechanisms. Experiences in other emissions markets show that through proper design and efficient use of these mechanisms, utility operators can reduce their compliance costs and create a valuable potential profit center.
If you are interested in receiving help with this complex and opaque arena or simply wish to read the White Paper in its entirety, Gelber is happy to provide insight. Feel free to contact us. A full copy of the white paper can be found here.
[1] The ERCOT analysis also included the impacts of coal-fired plant closures due to other concurrent environmental regulations.


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That's right folks (yeah I said it), Michael Scott's favorite show Queer as Folk will be celebrating their tenth reunion at the ATX Television Festival in Austin, Texas this summer! Earlier the ATX crew shared the news in the below press release. "We're extremely proud to bring QUEER AS FOLK to the Festival this year. […]Read More
ARRESTED DEVELOPMENT and Netflix to Kick-Off ATX Television Festival
To open Season Two of ATX Television Festival, Netflix features the return of the series Arrested Development, Q&A with members of the cast.Read More Arrested Development, ATX Television Festival, ATX TV Fest, Caitlin McFarland, Emily Gipson, friday night lights, Hart of Dixie, Hell on Wheels, Netflix, Purchase Tickets, Scandal, The Riches, Vampire Diaries
ATX Television Festival Founders Unite TV With Its Fans
Caitlin McFarland and Emily Gipson are the founders of the ATX Television Festival in Austin, Texas, now in it's second year. These women are heroes to me. Not only have they created a festival for one of my favorite artistic mediums and forms of entertainment, but they did it in Austin! I had the privilege […]Read More ABC, Alamo Drafthouse, AMC, Arrested Development, ATX Television Festival, ATX TV Fest, Austin, Betty Thomas, Boy Meets World, Breaking Bad, Caitlin McFarland, Comic-Con, CW, Emily Gipson, HBO, Hell on Wheels, Jane Espenson, Kickstarter, Life Unexpected, Liz Tigelaar, lost, Low Winter Sun, My So-Called Life, Netflix, Party of Five, Peter Billingsly, SXSW, Texas
ATX Television Festival Revs Up for it's First Year
Finally! A festival to celebrate one of my first loves, TV! The ATX Television Festival is in it's inaugural year, kicking of June 1-3, and I'm looking forward to a big hit. Austin is notorious for it's love of all things entertainment, be it music, film or TV. With weekly showings of TV at the […]Read More ATX Fest, ATX Television Festival, Caitlin McFarland, Emily Gipson, firefly, friday night lights, Royal Pains, Suits, The League, Trueblood, TV, USA Network


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In all, the SPA handled 1,022,781 containers at its Wando Welch and North Charleston terminals last year, up from 909,827 boxes in 2013. "The 12 percent increase ... reflects growth in a number of business segments, including import parts and components for automotive manufacturing and export grains and refrigerated cargo," SPA chief executive Jim Newsome said in a statement.
News & Updates
New information has been released about the pending sale of ArcelorMittal's Georgetown mill to Liberty House LLC.
A press release issued this morning by ArcelorMittal confirms yesterday's news that the two companies have reached an agreement in principle for Liberty to purchase Georgetown Steelworks in S.C., including its 600,000-ton a year electric arc furnace and 750,000-ton a year rod mill.
"The proposed deal, which follows several months of discussion, is subject to agreement on final terms between the two parties and completion of due diligence by Liberty over the coming weeks," the release states.
If completed as planned, the acquisition will give Liberty the opportunity to reopen and revitalize this pivotal business, which was an important part of the state's industrial infrastructure for 47 years before its closure in August 2015.
It would also mark the first significant step in Liberty's plan to make major investments in the US steel industry.
Confirming the provisional agreement, John Brett, president and CEO of ArcelorMittal USA, said: "We are pleased to have an agreement in principle with Liberty House on the sale and restart of our former wire rod mill in Georgetown, S.C. We have achieved our goal of identifying a purchaser with extensive steel experience and a commitment to returning this site to its steelmaking capability. We hope the community will welcome this opportunity that will preserve the facility and equipment and create good jobs with good wages. We look forward to working with the city of Georgetown and all impacted stakeholders while we finalize this important agreement with Liberty in the near future."
Executive chairman of the Liberty House Group, Sanjeev Gupta said: "This is a landmark day for Georgetown and its residents, particularly families with a previous stake in the steel industry who will now get a chance to rediscover what was lost. Our agreement in principle with ArcelorMittal opens the door to the eventual restoration of several hundred jobs, both directly and in the supply chain, and it gives this region's economy a new industrial focus. We look forward to completing this agreement with ArcelorMittal and to securing the support of various stakeholders, including State Government and other authorities, to help make this vision a reality."
Mr. Gupta added: "This is a key first step for us in the USA. We're keen to apply the same low-carbon GREENSTEEL vision here as we are doing in the UK. Acquiring the plant at Georgetown, with its ability to recycle scrap steel in an arc furnace, gives us a strong platform from which to launch our strategy in the USA. We're confident that, with the right support from the community and authorities, we can make Georgetown and other US steel plants competitive profitable and sustainable."
Liberty House has also been in discussion with the United Steelworkers and is confident that the union will support and assist in the process of recruiting a workforce to re-open the plant and rebuild the business.


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Be Your Bike Experience
one day in the Langhe with assisted cycling,
combined with the discovery of the territory and
moments of fun!! Protected content
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If you would like to explore other InterNations Activities in your Local Community, please have a look at this overview page.


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Great opportunity for a young artist to get their artwork recognized…but also open to everyone!!
Eastern Shore Association of Realtors
The Eastern Shore Association of Realtors (ESAR) is in need of a logo that represents its identity as the managing entity of the local Realtors of the Eastern Shore. Logo artwork should include the REALTOR "R" and involve imagery indicative to the Eastern Shore of Virginia.
This contest is open to the general public including…but not limited to amateur artists, professional artists, individuals or companies, high school and college students. Submitted artwork can done by hand or with the use of computer graphic software. In either case…artwork must be suitable for use on materials such as letterhead, websites, and social media. ALL artwork must be an original unique piece of art and may not be a copy an existing image in any way.
Artwork will be accepted through 12/31/2015. The winning artist(s) will receive a cash prize of $250, recognition in a local newspaper, and mentioned on the ESAR website and on our social media. Should no suitable artwork be received by December 31, 2015, ESAR reserves the right to extend the contest or to end the contest without awarding a prize. Artwork may be emailed, mailed, or hand delivered.
To submit artwork, or for more information on logo criteria…contact the ESAR office at 757-789-7630 or ESAR Vice President, Bob Faith of Dockside Properties at 757-894-1479, by email at email@example.com .


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DAVIS (CBS13) — UC Davis toxicology students are calling for a large-scale study on how smoke from chemicals used in wildfires impact our health.
As firefighters battle new wildfires up and down the state, researchers at the UC Davis Center for Environment and Health are zeroing in on a potential new health hazard: the combination of fire suppression chemicals burning with pesticides already in the soil.
"Certainly there is the concern that fire retardants can have carcinogenic potential," said UC Davis Center for Environment and Health Director Dr. Kent Pinkerton.
But he says those potentially cancer-causing chemicals used to fight a fire can lead to additional health problems when they interact with the chemicals humans add to the environment.
"When those areas burn, that creates a very complex exposure for which we don't know the health effects, said toxicology graduate Sarah Carratt.
Carratt was in a class on the effects of wildfire smoke when a blaze ripped through vineyards in Napa County and sparked her interest.
"We became concerned with if wildfires are burning in an area where pesticides and other chemicals could be used—how is that smoke, which was filling Davis at the time, affecting us?" she said
According to their findings, the amount of aerial fire retardant used in California from 2012 to 2015 increased from about 3 million gallons to 7 million gallons.
And the total weight of pesticides used on California land in that same timeframe increased from about 186 million pounds to 194 million pounds.
"These materials could be inhaled very easily by those who are in the vicinity," said Dr. Pinkerton.
The trends are troubling they say, but the information on their short and long-term health effects are still as hazy as the smoky California skies.
It would be the first study on the health impacts of chemicals in wildfires.
But so far there is no funding source.
Earlier this summer, a wildfire smoke study out of Colorado received a four million dollar federal grant from the National Science Foundation.


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a Miri medley
"I am hopelessly in love with a memory. An echo from another time, another place." -- Michael Faudet, Dirty Pretty Things
that morning we walked to the nearest shop lots, just 10 minutes walk away from my parent's home. it felt strange for me to walk in this neighborhood, it seems so familiar yet so different. i used to cycle to school past this area, before i moved to boarding school at 15. little sundry stores no longer look like how they used to be, there were no familiar faces. i was a stranger.
the market was quiet. not surprising, we walked past it around noon.
i've introduced this local noodle dish to Ken before, during our trip to Kuching last year - and he love it as much as I do. nothing can beat a no-frills served-in-a-bowl kolok mee. Miri's got the best non-halal kolok mee, i insist.
we ordered 5 bowls of noodles for 3 people at this little cafe! good thinking - we only had this 1 day to feast on local food.
this is one dish i wish exists in Kuala Lumpur. wantan mee, as Miri-ans call it, is really a bowl of wantons. utter satisfaction. this was the best. so good.
this post is a medley of photos taken across town too, though i think it's best to leave them caption-less. it's strange to look at these photos cos they remind me of what happened in the past, instead of the present. my childhood friends are long gone now, scattered around the country. places are refurbished with new malls, flyovers, bungalows & bars. new housing areas were built along the road that used to be my playground after school. sometimes it feels like i have nothing to go back to but the family. and the beach.
Miri is a humble little city as you can see, i may have even captured the worst of it - but it's packed with tons of little surprises, and i do think that the best part of it is always the untouched side of town. where the wildlife is. the national parks where i spent so many nights camping & hiking. the beach that don't change much.
it's not much, but it feels important for me to document this, because what if i forget? :)


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The 49th state has little in common with the contiguous American states down south. Alaska is a vast, sparsely populated, thoroughly untamed wilderness rich in wildlife and extraordinary natural beauty. Not many people take the expensive flight north or drive the magnificent 1,500 mile Alaskan highway, but those who do are drawn by the spirit of adventure and the prospect of uncolonised, open space.
The majority of the population (around 500,000) live in either the capital Juneau or largest city Anchorage, both worth exploring in their own right. The interior town of Fairbanks is your best bet to see the aurora borealis; a natural phenomenon best described as a dancing veil of magical light. Weather wise, the best time to visit Alaska is Jun – Aug when the days are long and warm.
The islands of Hawaii fit most people's image of tropical paradise, with perfect beaches, great waves and all the trappings of a luxury holiday in the sun. Most visitors arrive and stay in Honolulu, capital and chief resort town of the Island of Oahu.
Venturing to the other islands, though, brings rewards such as the extreme diversity and lush magnificence of tiny Kauai, or the steaming volcanoes of Hawaii ("the Big Island"). Weather is good all year round, although rainfall tends to be higher between December and March.
New York City
They say that if you visit New York City, you see the world. Certainly, nowhere else offers such diversity in such a compact and exciting way – and no other city has the energy and arrogance to make it work so well. NY has outstanding museums, cultural icons such as the Statue of Liberty, and even a vast dose of parkland right in the middle of Manhattan. You've got the centre of American commerce sitting alongside Greenwich Village's community of gentrified bohemia, and you can see Broadway and baseball all in one day.
New England
New England was the site of some of America's first settler colonies and today is home to Ivy League colleges and charming Boston. But every autumn this weight of history gives way to tones of red and gold as the indigenous trees prepare for winter. It's a festival of Kodak moments and a truly beautiful and effortless natural spectacle. Peak foliage season is traditionally the second week in October when there is good viewing throughout Maine, Vermont, New Hampshire and Connecticut.
New Orleans
Known as "the Big Easy", and pronounced "Nawlins" by locals, this is the regal Queen of the South and the home of jazz, Mardi Gras, and Cajun cooking. New Orleans has a distinctly exotic air about it, created by the spicy mix of European and Caribbean influences, and visitors during festival time – particularly Mardi Gras in February/March – are swept away by the exuberance and unleashed capacity for decadence on the part of participants. During quieter months, the jazz and Cajun/Creole cuisine will seduce you all the same. The area around Bourbon Street and the French Quarter gets most of the visitors.
Las Vegas
The fastest growing city in America, Las Vegas is a triumphant celebration of gambling, entertainment and excess. The pyramids here are bigger than Egypt's, and the lights burn brighter than the sun.
It's a wonderfully surreal experience to wander The Strip at night and explore the cavernous theme casinos, each a vale of broken dreams, good times and wild nights in Vegas. Main attractions include the Luxor casino, getting married by an Elvis impersonator, and catching a title fight or major concert. Bottom line: have fun and don't take it seriously. Apart from marriage – that is legally binding.
San Francisco
Many visitors to the USA choose this as their favourite city. San Francisco is certainly picturesque, being spread out over absurdly steep hills against a backdrop of the Golden Gate Bridge and often shrouded in mist rolling in from the Pacific.
The city has a lot to offer besides its setting: outstanding cuisine, exciting and distinct neighbourhoods, and a funky, liberal culture quite unusual in many American cities. Highlights include Alcatraz Prison, hippy Haight-Ashbury, the fantastic cable cars and the beauty of Golden Gate Park. The touristic area of Fisherman's Wharf meanwhile caters to families and visitors seeking more mainstream attractions.
Los Angeles
It's not really a city, more like another world. Home to the glitz of Hollywood, the glam of Venice Beach and the multi-lane madness of the highways. This City of Angels doesn't reveal its heavenly side easily: but if you spend some time looking, this exciting collection of people and cultures will fascinate and inspire you.
Highlights include magical Disneyland, opulent Beverley Hills, Hollywood Boulevard and the palm-fronted lifestyles of Malibu and Santa Monica. The best way to see the city is by car, as distances between attractions can be great and, besides, in LA you ain't nothing without some wheels.
Florida is chiefly known for Disneyworld (in Orlando), great beaches and of course, orange juice. While these stereotypes are true, there is a lot more to this energetic, ethnically diverse state.
Linked by an umbilical highway snaking over the sea, Key West sits at the tip of the peninsula enjoying its sunsets and mellow lifestyle. Miami, near the bottom of the mainland, is a gorgeous Latino city with all the palm trees and beachfront you could want. The Everglades National Park, near Fort Myers, is a unique ecosystem and even home to its own species of alligator. The sun shines on Florida's beaches all year round, with the best resort being a toss-up between Daytona and Fort Lauderdale.
The Grand Canyon
There is a strange paradox to America's greatest natural spectacle: its sheer size and majesty is simply not possible to grasp in a short visit and consequently many people feel slightly disappointed as they peer over the rim at the canyon floor a dizzying mile below.
To really appreciate it you need to hike down to explore the base or ride the rapids of the Colorado River. Alternatively, take a helicopter ride and get a bird's-eye view of this astounding natural phenomenon.
Redwood National Park, CA
Enter the forest and you enter another world. The Giant Redwood sequoia trees reach heights of up to 360ft (110m) and their massive basal girths can be large enough to drive a car through.
The canopies tower above, creating a constant temperature and shielding the forest floor from both sun and rain. Your entire sense of physical proportion changes as you feel utterly dwarfed by these majestic giants. Even the most hardened city slicker can't fail to be impressed.
Washington DC
This is a city built on power and ambition, where government is the local industry and "Old Glory" waves proudly from every rooftop.
The nation's capital is home to the White House and the incomparable Smithsonian Institute, one of the world's greatest museums. Many key attractions are centred on the Mall, where there are impressive monuments to Washington and Lincoln as well as the poignant Vietnam Veterans' Memorial known simply as "The Wall". Georgetown is the oldest neighbourhood, and the best place for a night out.
Rocky Mountain National Park, CO
This park preserves 265,000 acres of wilderness around the magnificent Rocky Mountains. The area contains few roads and no shops, houses or hotels, and is justly regarded as a paradise for lovers of the outdoors and those seeking respite from civilisation.
The main attractions, as you might expect, are hiking, climbing, horseback riding and cross-country skiing. The village of Estes Park, 75 miles north of Denver, is the gateway to the reserve and although rather commercialised, it is a good place to pick up supplies and arrange your excursions into the park. Don't wander in ill-prepared.
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Because we take care of all your travel needs? We have over 100 years of experience? Or is it because our Directors are passionate travellers with a hands on approach?
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Illustration for Psykologi for a quote by Finnish movie director Aku Louhimies, "My mistakes are not your mistakes". Here an excerpt from Wikipedia:
"In March 2018 8 female actors came forward accusing director Aku Louhimies subjected them to demeaning tactics and abuse in the work. (...) At the 2018 Jussi Awards during his acceptance speech, after receiving the Audience Award, Louhimies apologized for his behavior and thanked everyone, who had started the process to ´air the movie industry´. He has also responded to the accusations in his Facebook posts."
The quote (originally "Mun virheet eivät ole teidän virheitä.") comes from his Jussi Award speech.


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With the majority of people in the world today now having easy and regular access to the internet,it is no surprise that the number of fake suppliers that have entered the market has steadily risen.The hardest part has become to distinguish who you can trust throughout the hundreds of laptop charger suppliers.It is important that you don't purchase faulty,cheap laptop adapters as this can seriously harm you computer causing you to pay a significant amount to get it fixed.Even more importantly it's more essential that you know the supplier is reliable so when you enter your banking details you know that they are secure and there could be no possibility of fraud.So who can you trust?How do you know whose selling the quality products that you think your getting once paying a reasonable sum for?
This is where Laptop Power UK quality service and reliability become obvious.Even though there are more laptop charger and adapters suppliers than ever,the quality of our products stand head and shoulders above what all our competitors provide.Our stock includes some of the laptop household names including the dell 9300 charger,the hp compaq nx6110 charger and the sony vgp-ac19v26 power adapter.
With us you know that every products in legit and of the highest standard.If our reputation still doesn't convince you then the fact we offer 12months free warranty on all our products might reassure you.All your banking details will be kept strictly confidential due to our strong website security and with our professional service there will be no need to look anyway else for your laptop needs again.
This entry was posted on Thursday, July 29th, 2010 at 5:11 pm. You can follow any responses to this entry through the RSS feed.


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Another Foreclosure and more Notice of Defaults
Prairie Oaks will likely see another bank owned property for sale in the near future. The home was auctioned off on July 1. It is a smaller single story home.
Right now we have 5 homes that have Notice of Defaults filed on them, and one home for sale that is in short sale situation.
As I have said before, the distressed properties can and probably will bring down our home values for the near future.


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Come Join me at Breathe N Flow Yoga this Sunday, February 26th for a New Moon Tea Meditation at 1:30pm. We will be exploring the benefits of an Ancient Living Tea and and discussing the power of The Moon and its profound effects on us, and Tea.
I am excited to bring this practice to Breath N Flow Yoga in Freeport. Please sign up in advance as spaces are limited.
A donation is required for this session
Sign Up Here Through Mind Body Online


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Compatible driving lessons
Driving lessons are more fruitful when there is a compatibility between the one being taught and the teacher. That is why you can always appeal to the services of a female driving instructor – if you feel safer when you are with a woman at your side, teaching you the secrets of the road, or if you prefer (for one reason or another) to be taught by a woman, then you should choose one.
In England, there aren't too many female instructors offering their services. And this means that you will probably have to search for them for longer than otherwise. But when you will find her, you will get into that comfort zone you have always wanted to be in.
Usually, the beginners are the ones that appeal to the services of female instructors, because a woman at their side calms them down. And everybody knows that a female driving instructor will be more malleable, while also keeping in mind what is the purpose of the entire lesson: to help you pass your driving test from the first time.
And you will do that from the first try, because all of our driving instructors (regardless of their gender) are professionals and experienced in this domain, being registered at DVSA and being checked with DBS.
Furthermore, all our driving instructors, regardless of their gender, are passionate about driving and about teaching others how to drive. So any of them will be as patient as possible with you. You will drive the vehicle designated to you from the first lesson and you won't be held back in any way from your path towards obtaining the driving license.
You won't have to pay for services that are unnecessary and you will be promptly announced when your lessons are over. No hidden costs, no stress, and no additional fees will be charged to you – this is as straightforward as it can be.
Whether you choose a female driving instructor or a male one, be appealing to our driving school there will be only one outcome: you will pass your test from the first try and you will be as ready as possible when you will be on the road on yourself. Best female driving instructor in Hatfield.
And there is also one other reason why you should give us the chance to school you. Besides being able to choose the right instructor, the one that will make you feel comfortable and safe, we aren't as pricy as some other driving schools in the city.
And while the most experienced driving instructors are usually found at the most expensive driving schools, this isn't a rule at all. Whether you are a beginner, who takes lessons for the first time, whether you want to refresh your knowledge after a long time spent as a pedestrian, whether you failed your first test, you will definitely find the best driving instructor with us. Looking for the best driving lessons in Barnet?
This isn't all, since we have special packages, which will reduce the costs of the course, for any of the categories mentioned above.
So are you looking for the perfect female driving instructor? Are you looking for the best driving instructor, with the most affordable fees? Appeal to our services and you will be on your way, behind the wheel!