text: You are here: RILA » Advocacy » Technology » RILA Cybersecurity and Data Privacy Initiative » Merchant-Financial Cyber Partnership Merchant-Financial Cyber Partnership Page Content In February, 2014, leading trade associations representing the merchant and financial services industries announced a new cybersecurity partnership. The partnership focuses on exploring paths to increased information sharing, better card security technology, and maintaining the trust of customers.Discussion regarding the partnership was initiated by the Retail Industry Leaders Association (RILA) and the Financial Services Roundtable (FSR), joined by the American Bankers Association (ABA), the American Hotel & Lodging Association (AH&LA), The Clearing House (TCH), the Consumer Bankers Association (CBA), the Financial Services Forum (FSF), the Food Marketing Institute (FMI), the Electronic Transactions Association (ETA), Independent Community Bankers of America (ICBA), the International Council of Shopping Centers (ICSC), the International Franchise Association (IFA), the National Associations of Convenience Stores (NACS), the National Grocers Association (NGA), the National Restaurant Association (NRA), and the National Retail Federation (NRF).Retailers place extraordinarily high priority on protecting customers' personal information," said Sandy Kennedy, President of RILA. "This partnership will improve collaboration across the payments ecosystem allowing us to work together to develop near- and long-term solutions that will enhance security for our customers.""We are committed to working together to ensure customer personal and financial information is secure and protected," said Tim Pawlenty, CEO of FSR. "Exploring avenues for increased information sharing and collaborating on innovative technologies and safeguarding data will be critical in defending against common enemies." Read the full releaseIn March, the Partnership released a video announcing the operating structure for the group. See the video HERE.Merchant Financial Cyber Partnership Announces Next Steps for Securing the Payments System Partnership sends letter to Congress outlining cybersecurity information sharing legislation principles Arlington, VA - Today, the Merchant Financial Cyber Partnership announced the next steps for the two industries to continue working together to strengthen the security of the payments system. Launched in February, the Partnership has succeeded in its goal to work collaboratively across the payments system to enhance security in order to protect customers and their data from cyber threats. Strong and productive relationships have been formed across the merchant and financial industries throughout the course of the Partnership's work and both industries will continue to maintain these relationships. "This Partnership has been invaluable in ensuring the entire payments system and key stakeholders are working together to combat cyber attacks," said Sandy Kennedy, Co-Chair of the Partnership and President of the Retail Industry Leaders Association (RILA). "The threat posed by cyber criminals is increasingly sophisticated and is not unique to any one business, institution, industry or government. It is imperative that our two industries continue to learn from each other in this fight and work together in order to maintain the trust of our customers and collaboratively improve overall security." "Collaboration between our industries and with law enforcement will help protect consumers from cyber criminals," said Co-Chair of the Partnership and CEO of the Financial Services Roundtable (FSR) Tim Pawlenty. "This Partnership has formed key links between our industries and we are hopeful these relationships will improve the entire payment system."The Partnership released eight next steps for ongoing collaboration by Partnership participants in key areas including threat information sharing, cyber risk mitigation, advanced card present & card not present security technology and cybersecurity legislation. One of the major steps is a joint effort between the two industries to urge Congress to pass cyber threat information sharing legislation.Today, the Partnership sent a letter to Congress outlining joint principles for legislation to enhance cybersecurity across both the merchant and financial industries. Both industries recognize better information sharing between and among industry and government is important in preventing cyber attacks. In the letter, the merchant and financial services communities expressed support for a set of principles for federal legislation that would increase the current level of voluntary cybersecurity information sharing, while recognizing key privacy concerns.The Partnership brought together executives from the financial services and merchant industries, government and other stakeholders to work together on key public policy issues impacting the entire payment ecosystem. Since February, the Partnership's 250 participating senior executives from financial services and merchant companies have met nearly 50 times, heard from over 45 experts and participated in numerous outreach events including the 2014 Merchant-Financial Services Cybersecurity Summit on Sept 10, and sought consensus on critical policy issues.Participants in the Partnership include eight financial associations (American Bankers Association, Consumer Bankers Association, Electronic Transactions Association, Financial Services Forum, Financial Services Roundtable, Independent Community Bankers of America, The Clearing House, NACHA—The Electronic Payments Association) and eleven merchant associations (American Hotel and Lodging Association, Food Marketing Institute, International Council of Shopping Centers, International Franchise Association, Merchant Advisory Group, National Association of Chain Drug Stores, National Association of Convenience Stores, National Grocers Association, National Restaurant Association, National Retail Federation, Retail Industry Leaders Association), executives from financial institutions, card companies, and merchants. "Cybersecurity: Protecting the Payments System"On Wednesday, September 10th, 2014, the Merchant – Financial Services Partnership, in association with Bloomberg Government, hosted over 130 for a cybersecurity summit at the Reserve Officers Association.Recent breaches in industry, educational facilities and within government highlight the need for public private partnerships and collaboration among industry. Our panel explored the core vulnerabilities and challenges we face. The event included 3 panel discussions on legislative and regulatory actions to improve cybersecurity protections, the state of information sharing, and what is on the horizon for securing advanced payments. Featured Speakers Included Michael Daniel, Special Assistant to the President and Cybersecurity Coordinator, The White House Chairman Mike Rogers, House Select Committee on Intelligence Joe Demarest, Assistant Director Federal Bureau of Investigation (FBI), Cyber Division Vice Chairman Saxby Chambliss, U.S. Senate Select Committee on Intelligence Reed Luhtanen, Senior Director for Payments Strategy, Walmart Kim Lawrence, Senior Vice President, Global Corporate Initiatives, VISA Nancy O'Malley, Chief Payment System Integrity Officer, MasterCard Katherine Lugar, CEO, American Hotel and Lodging Association Tim Pawlenty, CEO of the Financial Services Roundtable Larry Zimpleman, CEO, Principal Financial Suzie Squier, Senior Vice President, Retail Industry Leaders Association Noah Wilcox, President, CEO and Chairman, Grand Rapids State Bank, Chairman of ICBA Bancard Mark Horwedel, CEO, Merchant Advisory Group Afzal Bari, Government Analyst, Bloomberg Payments Protections Documents Recommendations for the Development of Technology Standards in PaymentsPrinciples for Protecting the Payments System


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Need to wear you down, to obtain info on the bolton roads Me know if you have the lowest dealer quote Insurers, though, it would be precluded from claiming that because it them Be that you can on if you live in florida And state permissionresearch for your vehicle, especially if you have concerns.
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8:00 am SHARP! Charter bus departs NEARI (99 Bald Hill Rd. Cranston). The building will be open at 7:30 am
We arrive in Boston and will be escorted to the Representative Assembly and guest section where you will have the opportunity to watch the opening of the RA.
6:00 pm NEARI reception with special guests
At the Boston Marriott Copley Place
8:00 pm SHARP! Bus departs Boston Marriott for Cranston, RI
Further details will be provided as we get closer to the event date. Join us! It will be a great trip!


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Today's interview is with a St Louis rebel- Scott Miller!
Scott Miller has been directing and writing musicals since 1981. He has written the book, music, and lyrics for ten musicals and two plays. With a degree in music and musical theatre from Harvard, Scott has written six books on musical theatre, From Assassins to West Side Story; Deconstructing Harold Hill; Rebels with Applause; Let the Sun Shine In: The Genius of Hair; Strike Up the Band: A New History of Musical Theatre; and Sex, Drugs, Rock & Roll, and Musicals. He also appeared in the 2008 documentary, Hair: Let the Sun Shine In. Scott hosts Stage Grok, the roaming theatre podcast, available on iTunes and at StageGrok.com. You can read his New Line blog chronicling New Line's creation process, at newlinetheatre.blogspot.com
Q: What was your first experience in theatre?
A: First grade, "Dick Jane, and Sally Go to the Zoo." My teacher told me I could either play Dick or the Head Elephant. I chose Head Elephant. My mother didn't understand why I didn't want the "lead," but I just thought it would be cool to be an elephant! I got to recite a hilarious poem that I still know by heart (and I just found it on the internet!).
Eletelephony by Laura Elizabeth Richards
Once there was an elephant,
Who tried to use the telephant—
No! No! I mean an elephone
Who tried to use the telephone—
(Dear me! I am not certain quite
That even now I've got it right.)
Howe'er it was, he got his trunk
Entangled in the telephunk;
The more he tried to get it free,
The louder buzzed the telephee—
(I fear I'd better drop the song
Of elephop and telephong!)
Q: What is the best piece of career advice anyone has ever given you?
A: For my 21st birthday, my mother wrote to all these Broadway and Hollywood stars, asking them to send me birthday greetings. I ended up getting more than 40. The first came from Lucie Arnaz and Laurence Luckinbill. Lucie wrote an incredibly nice letter, and Larry added the P.S., which changed my life. He wrote, "Go broke if you must, but always over-estimate the public's intelligence. They will thank you for it." When I started New Line six years later, that became the company's core philosophy, and it still is.
Q: Tell us about a backstage or onstage mishap you lived through.
A: When New Line did A New Brain in March 2002, nine of the ten actors got sick during the run, and a few of them essentially lost their voices for a while and had to croak/speak their lyrics. The only one who didn't get sick was Ken Haller, a pediatrician.
Q: What is your dream role/show?
A: There's a show I'm dying to do, Promenade, which opened off Broadway in 1969. It's the wildest, weirdest, funniest show, but I've always been scared to put it in New Line's season, partly because it's far weirder than anything we've done, and also that title really won't sell any tickets… Someday…
Q: What is your current guilty TV Pleasure?
A: Project Runway!! I realized long ago that I relate deeply to the designers, to Tim Gunn, and to their whole process. When I listen to Tim's critiques, and those of the judges, I realize that though they're talking about fashion, they're really just talking about art-making. So much of what they talk about applies directly to my work in the theatre. After all, art is art, with all its compromises and panic, and like theatre, fashion only matters if someone sees it, if there is an audience. The morning of the runway show on each episode is directly equivalent to our Hell Week. You fix what you can fix, hope for the best, and release your art into the world.
Thank you so much Scott- we enjoyed hearing from you!
Grace Austin is an STL area director and educator.
You can see her work at gracemaustin.com


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Pinkie Pie is the most cheerful and funny of all ponies. If you want a party, she's the right pony for the job!
Friday, July 1, 2011
1 comment:
OMG! I LOVE her! She's soooooo cute! ♥ Will you post the pattern? I don't need the instructions, I just need the cut=outs x]
- July 4, 2011 at 6:07 PM
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June 2018
Please scroll down to explore all summer opportunities for Waimea families:
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More Summer 2018 Options - Deadline to register extended to May 11, 2018:
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For Waimea Families w/ incoming Kindergarteners:
June 2017
Double click on the above form to download & print or scan to the bottom of this page to download.
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A warm mahalo to 21st Century Partners and Instructors
for a wonderful 3-week program for our children!
For more information, class choices and application, go to www.babystepshawaii.org
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Double click on the above form to download & print or scan to the bottom of this page to download.
June 2016
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Other Summer 2016 Opportunities:
Summer Scholarships at HPA Exclusively for WMS current 6th & 7th Graders
All WMS current 6th and 7th grade students and families are invited to apply for one of four (4) $550 SCHOLARSHIPS to an HPA Summer School class. Classes are just 2 hours a day from June 27-July 23.
This is a terrific opportunity – there would be no cost to famiies but this requires quick action.
The offering is specifically for 1 current WMS 6th grader, 1 current WMS 7th grader, 1 current WMS 6th or 7th grade girl, and the 4th scholarship is open to anyone in 6th or 7th grade.
To apply, plz see the form below or stop by the school office. The student and a family member must write a short statement about what this would mean to them and commit to attending daily and also having the necessary transportation.
Applications must be signed by at least 2 teachers – just a signature, nothing more, and then the packet must be turned into the WMS office by Thurs., May 19. (Deadline has been extended to Wed., May 25 but class options narrowed to just Robotics.)
Students will be selected by donors through this application process.
Note: It is possible to attend our WMS' "Full STREAM Ahead Summer Adventure!" June 13-July 1 and this program too! We will make necessary adjustments.
Questions: Please see Principal Amy Kendziorski.
We thank our donors for this generous gift for our students! MAHALO!
FOR EXITING 8TH GRADERS (Class of 2020): Free Summer Bridge Program at Honoka'a High School
Summer 2015:
Please click on this link to view a video clip recapping our exciting 2015 'STEM Instead' Summer School:
Please click on this link to see news feature from North Hawai'i News:
For more pictures, go to www.facebook.com/WaimeaMiddleSchool!


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*This store is located on a military base.
Firestone Complete Auto Care has been working for 90 years to improve the auto industry's standard of excellence. Our mission is to help car lovers get the most out of their vehicle by performing exceptional vehicle upkeep, including everyday tune-ups and even A/C performance checks. From fluid flushes to valve stem replacements, our Firestone Complete Auto Care team will help to improve the quality and functionality of your car or truck, so you can get back on the road quickly. But we also believe in providing affordable auto care because total car care shouldn't come with an overwhelming price tag. That's why we list timely offers and promotions to help you save on repair costs, at any location. Interested in learning more about Firestone Complete Auto Care's superior customer care? Visit us at a 36035-area location today to see why we have been a leader into the auto industry since 1926.
We earned the title "Complete Auto Care" because that's what you get when you visit us. Our highly skilled team is ready to get you exceptional auto parts and affordable maintenance services, so you can get the most out of your ride. That includes all your body care, auto inspection, fluid change, and especially battery and tire needs. Want to learn more about what makes us an automotive industry leader? Stop into our stores today to witness how we'll help keep your car going farther for longer.
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DEL MAR, CA – Trainer/co-owner Mark Glatt's Sharp Samurai doubled down on his Del Mar turf dominance on Sunday, using a great stalking trip from jockey Gary Stevens to take the Grade 2, $250,000 Del Mar Derby.
Stalking three deep after breaking from post 5, Stevens held the 3-year-old gelding in check while Monster Man and Harbour Master took turns leading through splits of :24.10, :48.91, and 1:12.51. Exiting the far turn five wide, Sharp Samurai shot ahead to take the lead in midstretch, then held off Big Score and Bowies Hero to complete the 1 1/8-mile race in 1:48.03.
"We took our time with this horse and made the right decisions," said Glatt, who co-owns with Red Baron's Barn LLC and Rancho Temescal LLC. "It doesn't always work, but this is very exciting. I thought he was well-placed early, in the clear, which is where we wanted to be. We didn't think they'd be going very fast, and when they don't go fast, they have a tendency to bunch. Gary rode him perfectly, pushed the button exactly when he needed to, and the horse responded."
Familiar foes Big Score (winner of the Zuma Beach here last fall and the Grade 3 Transylvania at Keeneland in April) and Bowies Hero (victorious in last summer's Del Mar Juvenile Turf and this year's Oceanside on Del Mar's Opening Day) finished second and third, with Colonist missing the board by a neck. Fashion Business, Ritzy A. P., Double Touch, Monster Man, Marckie's Water, and Harbour Master completed the order of finish. Sorry Erik was scratched.
It was the third straight stakes win for Sharp Samurai, who also took the Grade 3 La Jolla here last month and the Rainbow at Santa Anita in June. His career record now stands at 8-5-0-0 with earnings of $345,870.
New Subscriber Bonus: Access our Top 10 Wagering Angles in Racing to see exactly what we look for when opening up the past performances.
"Lot of progress with this horse," Stevens said. "His confidence level has gone sky high and he's really liking what he's doing. Been getting on him in the mornings and it's all good. He likes the stalking trip and he's been showing us a turn of foot that we didn't realize he had. Mark asked me how I saw the race coming up and I told him I wasn't sure. But it unfolded just about right. I got a jump on (Big Score) and that was key. Good race for him. Fun summer for me, too. This is turning out to be a pretty nice semi-retirement."
Sharp Samurai paid $6.60 to win, $3.60 to place, and $3 to show. Big Score paid $3.80 to place and $3 to show, while Bowies Hero paid $3.20 to show.


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FOI Request - Temporary Mental Health Staff
Request 101000361840
Please can you confirm what your total spend on temporary Mental Health staff was during the financial year 2014-15 for the below specialisms?
Can you please break this financial information down by:
a. Mental Health Nurse
b. Learning Disabilities Nurse
c. Psychologists
d. Psychological wellbeing practitioner
e. Psychotherapist
f. Counsellor
g. High Intensity Therapist
To provide additional clarity on my request, 'temporary Mental Health staff' is to mean all persons who are mental health staff and are not on permanent contracts of employment with the Council, but are supplied via employment agencies.
Response 13-07-2015
There was no (£nil) spend in 2014/15 on temporary Mental Health staff.


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geolinkconnect is a messaging application using a data transmission protocol that compresses the size of data transferred and reduces transmission time, by using all the full duplex capability of the satellite terminals.
Our free software solution is operational on the largest satellite networks such as Inmarsat, Iridium and Thuraya and can be also used with any type of link.


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Plenty of holiday cheer and shows happening all over the scene this weekend. Get out for the penultimate weekend of 2017 and celebrate your Christmas Spirit!
Thursday December 21st
–Outlaw Roadshow featuring The Z Boys, The Rationales, Town Meeting, Matt York, and Old Jack at Alchemy, 71 Richmond St, All Ages, 7pm
–Lord of the Void Metal DJs at DUSK, 301 Harris Ave, 21+, 9pm
–Tickle Tickle Variety Show at The Parlour, 1119 North Main St, $7, 8pm
–Zoso, the ultimate Led Zeppelin Experience at Fete Lounge, 103 Dike St, All Ages, $22, 7pm
-OpenMic at The Mediator Stage, 50 Rounds Avenue, 7pm
–Start Making Sense, a Talking Heads Tribute at The Met, 1005 Main St, All Ages, $15, 9pm
East Providence
–Chuck and Brad Best Christmas Show Ever featuring Brian Beaudoin, Ray Harrington, Kirsten Logan, and Frank Gazerro at The Comedy Connection, 39 Warren Ave, 7pm
New London, CT
–Paul Caraher at Daddy Jack's, 181 Bank St, 8pm
Torn Shorts
Friday December 22nd
–Torn Shorts, Sunday Drive, Joe Touchette III, Sean Carney, and DJ Dr Fuzz at DUSK, 301 Harris Ave, $5, 9pm
–FReQ Fridays Ugly Sweater Party at Alchemy, 71 Richmond St, 18+, 410, 10pm
–Bog of the Infidel, Haxen, Noose, Diabolical Fiend, and Nycterent at DUSK, 301 Harris Ave, $10, 8pm
–The Superchief Trio at The Parlour, 1119 North Main St, Free, 6-9pm
–Karaoke Night at The Parlour, 1119 North Main St, 9pm
–The Sidewheelers, No Man is a Band, and The Shakes at Fete Lounge, 103 Dike St, All Ages, $12, 7pm
–Emo night hosted by JT Woodruff of Hawthorne Heights, music by Josh Goes at Fete Ballroom, 103 Dike St, 21+, $12, 9pm
-Open Mic at the American Lithuanian Club, 475 Smith St, 7pm
–Manifest presents: The New Motif, Torus, and Adam Foote at The News Café, 43 Broad St, All Ages, $10, 8pm
–Gary Hoey's Ho Ho Hoey Christmas Show with Dark City Agent at The Met, 1005 Main St, $25, 9pm
East Greenwich
–The Free Radicals at The Greenwich Hotel, 162 Main St, 9pm
Sgt Baker and the Clones
Saturday December 23rd
–Top 5 Fiend's Ulgy Sweater Party featuring Northeast Traffic, The Stupid Robots, Sgt Baker and the Clones, and Seven Hats Parade at The Parlour, 1119 North Main St, 21+, $8, 9pm
–Island Saturdays Reggae Christmas Party at Alchemy, 71 Richmond St, 18+, $10, 10pm
–Ron Vierra's Christmas Jazz early Show at The Parlour, 1119 North Main st, Free, 5pm
–Calema, Sebah Veiga, DeeJay Ill NYce, DJ Mastermixx, and Roger Mendes at Fete Ballroom, 103 Dike St, 18+, $50, 9pm
–Johnny Gates and the Runaway Saints, Dan Mills, and I&R at The Met Café, 1005 Main St, All Ages, $12, 7:30pm
Boston, MA
–Jingle Bell RoC (Roots of Creation) Holiday Bash Toys for Tots Drive with Organically Good Trio, Aldous Collins Band, and Over the Bridge, at Brighton Music Hall, 158 Brighton Ave, 8pm
Cambridge, MA
–The Luxury, Elle Belle, Film Amerikarma, and Zach Jones at Lizard Lounge, 1667 Massachusetts Ave, 9pm
–The Silks at Atwoods Tavern, 877 Cambridge St, 21+, $10, 10pm
Northeast Traffic
Sunday December 24th
–Christmas for Pagans at Alchemy, 71 Richmond St, Free, 21+, 9pm
Nate Cozzolino
Monday December 25th
–A Spot Family Christmas Mad Cap Monday hosted by Nate Cozzolino at DUSK, 301 Harris Ave, 7pm


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Transcribed by Mary Ann Kaylor
Page 1026
BANSBACH, JOSEPH, whose successful career as a grocer demonstrates what can be accomplished by a man if he be industrious and possess a thorough knowledge of business methods. Mr. Bansbach was born in Baden, Germany, March 18, 1860, a son of Wilhelm and Frances (Golahn) Bansbach, native of Germany, the former born February 29, 1836, and the latter in Baden. The father was a farmer, who spent his life in his native land, and died there in August, 1885, his widow surviving until January, 1889. They were devout members of the Roman Catholic Church and had the following children: Joseph; Theresa, wife of Kilian Krinn; Peter, of Germany; Mary, wife of Louis Hemberger, of Springfield; Helen, wife of August Rechner, living at the corner of Twelfth and Reynolds Streets, Springfield.
Joseph Bansbach was educated in the schools of Germany and worked for his father until he came to the United States in 1885, when he was twenty-five years old. He first worked as a teamster for the Reisch Brewing Company, of Springfield, but in January, 1892, established his present store and has continued to handle a general line of groceries, controlling a large trade.
On July 15, 1885, Mr. Bansbach was married, in Springfield, to Anna Repp, born in Germany, June 10, 1862, daughter of Anton and Mary (Eck) Repp natives of Germany, who had six children. Mr. and Mrs. Bansbach have had five children: Mary, Valentine, Rose, Otto and Pauline. Mr. Bansbach belongs to the Western Catholic Union, St. Vincent's, and Loyal Americans, and carries united States accident insurance. His religious affiliations are with the Catholic Church. He owns his business property, as well as his home, and is in comfortable circumstances. Possessing traits of character, characteristic of the German, Mr. Bansbach has gone steadily forward, always industriously and thriftily making his money ear a good interest. He is genial and kind-hearted and makes friends, not only among his customers, but wherever he is known, and is one of the substantial men of Springfield.


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The Best Place To Buy Or Sell Secondhand Furniture, Coolers, Glasses, Bars And Decor
Sold Custom Built Beer Font Taps 10 Products Industrial Style - Bournemouth
DescriptionThis is a custom fabricated 10 product beer font which I had made for one of my pubs. The fabricating alone cost £1200, then the taps are £30 each and the drip tray was £200, giving a total of about £1700 cost price. It was specifically made to be of an industrial rusty style, not shiny, although it could easily be painted or powdercoated if you wanted. The pub now has 16 taps instead of 10, so I have had a new one made, this is the only reason I'm selling it as I think it's beautiful and makes a hell of a statement on any bar!
The two bolts which hold the tap plate on at the back have come loose, however it is just two spot welds required and would literally be a 5 minute job for a welder. I can arrange it if this a problem for anyone.
Delivery notesThis item is located in BH9 2JQ Bournemouth and pickup is preferred due to the size. However I will deliver up to 50 miles for £1 a mile.
This item is now sold


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Daily Tax Report: State provides authoritative coverage of state and local tax developments across the 50 U.S. states and the District of Columbia, tracking legislative and regulatory updates,...
States are considering a number of taxes to help raise revenue and close budget gaps, including the gross receipts tax. In this article, the Tax Foundation's Nicole Kaeding discusses the history of gross receipts taxes and their impact on businesses.
By Nicole Kaeding
Nicole Kaeding is an economist at the Center for State Tax Policy at the Tax Foundation.
Gross receipts taxes are rarely used by states. Only five states, Delaware, Nevada, Ohio, Texas, and Washington, have statewide gross receipts taxes, with a handful more using them at the local level, such as Pennsylvania and Virginia. However, a number of states could be joining them to help close budget gaps—and this is the wrong approach for states.
Gross receipts taxes are not a new form of taxation. In fact, they are hundreds of years old. Adam Smith devoted a lengthy passage in The Wealth of Nations to discussing Spain's gross receipts tax, the alcabala, which dates to the 1300s. Smith blamed much of Spain's economic hardships in the 17th century to the tax's flawed structure. Gross receipts taxes were a popular tax in the United States prior to the Great Depression, but states quickly abandoned the tax following the creation of the first retail sales tax in Mississippi in 1930. Retail sales taxes provide the benefits of a gross receipts tax—easier administration and stable revenue—without the harmful economic effects.
Gross receipts taxes violate many of the tenets of good tax policy, including neutrality, transparency, and fairness. They create tax pyramiding, as a product is taxed multiple times as it moves to the market. Instead of just taxing the final purchase of the consumer, as under a retail sales tax, gross receipts taxes levy a tax at every single level of production. Each level of taxation pyramids into the final purchase price for consumers. For firms without the ability to pass the tax forward, they move it backwards to workers, through lower wages and reduced job creation. Firms with longer production cycles are particularly devastated.
Because gross receipts taxes ignore profitability, they unfairly burden businesses with smaller profit margins—or no profits at all. States seeking to reform their tax codes should look elsewhere.
After a long hiatus, a few states created gross receipts taxes in the mid-2000s. New Jersey (2002-06), Kentucky (2005-06), and Michigan (2008-11) briefly adopted gross receipts taxes, but repealed them soon after. Report after report from these states emphasized the non-neutrality of these taxes. The gross receipts taxes led to tax pyramiding, with concentrated impacts on specific industries. In 2003, Arthur J. Maurice, then first vice president of the New Jersey Business & Industry Association, perfectly summarized the impacts during legislative testimony. New Jersey's gross receipts tax hit "low-profit margin firms, service companies, start-ups, firms with extraordinary and unexpected expenses, doing all this by taxing gross revenues without allowance for customary cost of doing business." Ohio's commercial activities tax (CAT), enacted in 2005, and Texas's Margins tax, enacted in 2006, are the two remaining taxes from this flurry of activity.
But now, a few other states, Louisiana, Oregon, and West Virginia, are reopening the debate on gross receipts taxes, even with hundreds of years of precedent on the economic downsides to this tax type. (A gross receipts tax proposal was introduced in Oklahoma this year, but that proposal is not being considered.)
Governor John Bel Edwards (D) of Louisiana has introduced a gross receipts tax based on the Ohio CAT. Citing the number of corporations with no tax liability in 2015, Governor Edwards has designed the Louisiana CAT to be a minimum tax to its corporate income taxes, with a rate of 0.35 percent of Louisiana-source receipts. Corporations in Louisiana would remit the higher of its income tax or gross receipts tax liability. Pass-through entities would also be subject to the tax. The $800 million to $900 million in new revenue would replace the revenue from an expiring sales tax increase.
Acknowledging the disproportionate impacts to specific industries, such as retailing and manufacturing, Governor Edwards signaled during the announcement of his tax plan that he'd be releasing an alternative calculation method for those firms. Those details are still not available, but enacting different rules for different industries will add complexity to an already poor tax proposal.
Oregon voters defeated Measure 97 at the ballot box in November, which would have created a nearly unprecedented 2.5 percent gross receipts tax (the highest rate in the country, with the exception of Washington state's tax rate for nuclear waste). Even with the overwhelming opposition, the Oregon legislature is continuing to explore creating a gross receipts tax. Earlier in the legislative session, Representative Mark Johnson introduced a gross receipts tax at 0.7 percent, while the Senate Finance committee floated a similar proposal. Senator Mark Hass, chair of Senate Finance, has publicly stated that he'll be releasing an in-depth gross receipts tax proposal modeled on the CAT over the next several weeks. Senator Hass argues that the state needs to limit revenue volatility, which a gross receipts tax would do, but the downsides to the tax outweigh the benefits of stability.
West Virginia is the third state seriously considering a gross receipts tax. Governor Jim Justice (D) included two gross receipts tax proposals. The first one would have a rate of 0.2 percent, which the governor was quick to note was a lower rate than Ohio's 0.26 percent. Since initial release, the governor has backtracked, now suggesting a rate of 0.045 percent. Members of the legislature seem unwilling to back such a proposal, but with the prospects of a special session ever-increasing, the legislature could be in a difficult position to refuse.
In all three of these states, Oregon, Louisiana, and West Virginia, policymakers have argued that Ohio's experience with the CAT shows it's a workable model for each state. But this view is misguided. As discussed previously, gross receipts taxes, even with low rates and fairly broad bases, lead to tax pyramiding, with concentrated effects on low-margin firms. This occurs even under the CAT and its low rate. A study from EY found that effective rates under the CAT varied from 0.4 percent for management of companies to 8.6 percent for construction, compared to the statutory rate of 0.26 percent. Wholesale and retail had effective rates of 8.3 percent and 7.9 percent respectively.
Hundreds of years of economic literature confirm that gross receipts taxes are not a preferable form of taxation. Tax pyramiding leads to higher prices for consumers, fewer job opportunities, and limits wage growth for employees. Despite the overwhelming economic evidence, a few states are looking to resurrect this flawed tax type. States should learn from the experiences of their fellow states and not add this tax to their revenue arsenal.
Copyright © 2017 Tax Management Inc. All Rights Reserved.
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Another year.
Highlights of the year have been our holidays in Portugal (Easter) and Tuscany in the summer. I don't think we would have finished the year as strongly if we hadn't managed to get away.
Another highlight for myself was 9 days in Bremen, Germany, with the International Youth Symphony Orchestra (IYSO). It was a great course with an orchestra of 170 young people the sound was immense! Hopefully I'll get back next year for another exciting episode!
Both the boys are at Uni now, with Adam at Glasgow and Fraser at Sheffield. They seem to be getting on well but time will tell if they stick at it!
Kate is now in P3, which is hard to believe, and is just a joy. A time consuming joy but nevertheless a joy.
This year, 2011, will see Caroline and my 25th wedding anniversary! We have not planned anything yet but I've no doubt we will celebrate in our own inimitable fashion, whatever that is!
I'm going to try and keep this blog more updated but no promises to myself. Happy 2011!


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If you don't get enough sleep, tell yourself "you'll get to it tomorrow" way too often or just like chocolate, this week's links are for you. Enjoy!
- Five lies we tell ourselves.
- This chocolate beet cake (with pistachio brittle!) looks insane.
- The best under-eye concealers for the sleep-deprived.
- Loving the colors on this crossbody bag.
- The case for the 9-5 job.


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GasanMamo Insurance Claims Department staff are currently working hard to assist clients who have been negatively impacted by the extremely unsusal hailstorm that caused a great deal of damage in some areas on Tuesday 15th January.
The unsual nature of the hailstorm was in fact the size of the hail stones which in some cases exceeded 4cm in diameter. As one can imagine, the impact of a barrage of these pellets certainly left its mark on vehicles and solar panels, satellite dishes and other items that were exposed to the onslaught. The GasanMamo Comprehensive motor policy and its other property insurance policies provide the peace of mind to vehicle and property owners respectively that this risk is covered.
Claims Departments at GasanMamo are on full alert and a collective effort is being made to respond to claims immediately, providing assistance and advice to clients"While we recognise that this is a cost to our company, we acknowledge that this is why we are here and it is at this point that we excel, providing the best possible support to our clients," said Julian Mamo, Director at GasanMamo Insurance.


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We care for patients in the eleven county metro area, allowing you to serve in the location that works best for you. This position is on-call and is staffed between the hours of 6:00 am-12:00am midnight. We do request a time commitment of 52 volunteer hours a year.
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Friday, September 5, 2008
Digger this one's for you...
The good news is that the cabinets are on the assembly line in the garage, a few of the carcass's have made their way into the house - it's beginning to look a lot like a kitchen. Bad news is, I'm not feeling fantastic today, so all you get is pictures, and not much dialogue (maybe not such bad news to you, but I usually enjoy my rantings....)
3 comments:
Wow it doesn't even look like the same house...good idea with the floor plan..thank god you were sick and didn't rant on and on and on and on and on and on and on...like you ussually do...get well soon Joan...tell Stanely he is still a fag...and to cut his hair he looks like an over weight truck driver...hahaha ...hahahha...hahahhahaha.............ha
- September 7, 2008 at 5:35 AM
- Jodi said...
i see me
- September 15, 2008 at 2:51 PM
Well I can tell that my husband wrote that comment...what a charmer!! Love what you have started to do with the kitchen. Hopefully hockey wouldn't take up too much of Brian's time to finish!! :) We will soon be living in chaos at our old farm house too...hopefully the minor Reno's will be done by the time we move in!!! haha, I know I am not holding my breathe!!!
Can't wait to see you guys more often...do you have time next week or the next to help pack a house?!?!?!?! :)
- September 29, 2008 at 2:51 PM


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Let's start at the beginning. On 24th September 2010, my boyfriend Alex proposed. We went for a weekend away in Warwickshire, stopping in a hotel called Wroxall Abbey Estate.
Wroxall is very special to us as it's where we stayed on our first weekend away as a couple (which was well over a year ago). We booked a beautiful loft suite (number 87). We planned to spend an afternoon using the spa facilities and the evening in the restaurant and bar.
Once we'd checked into the hotel and been up to the room, Alex suggested a drink and a walk around the grounds. We grabbed two glasses of red and strolled around the sunken garden. Alex had brought our new HD camera. Under the premises of getting a shot of us both in front of the house, he lead me towards the centre of the garden. That's where he dropped to one knee and asked me to marry him. Surprised doesn't come close to how I felt. Now I thought that I accepted immediately. In reality, there was 16 seconds of my hand in front of my mouth, "oh my God" and tears of joy. Needless to say, he made 24/09/10 the happiest day of my life so far.
The bar staff, who had been watching the proposal through the window, brought us two glasses of champagne. We hid in a love seat in the gardens until I'd composed myself.
The spa was never visited. We spent a few hours calling loved ones and breaking the wonderful news. I discovered that my parents already knew as Alex had asked my father's permission. I'm still impressed that my Mum managed not to let on. Later on we got spruced up and had a delightful meal at the hotel restaurant. The meal was followed by a few drinks in the bar.
Back in our room, we had a relaxing bath (and boy was it needed). It was half ten when I fell asleep, exhausted from the excitement of the day. Alex indulged in a few glasses of Port. One of my favorite memories of the day was seeing him so delightfully giddy (and a little tipsy).
The morning after, after breakfast, we visited Anne Hathaway's cottage. Then we headded to Webbs to buy ourselves a figurine to add to our Water Lilly collection. It shows a man proposing, it's name is "Destiny".
Then onwards to visit my parents. After that, home to Skype the in-laws. Then more rest as we were both shattered.
From then on we've been letting our colleagues know, updating Facebook statuses and looking at the copy of Brides magazine that Alex bought me (which I must say is a remarkably good read). We're booked into The National Wedding Show along with both sets of parents. Tonight we're going for a meal with the parents. No doubt it will be a total wedding-fest. Really looking forward to it.
So far, I've decided who I'd like to be bridesmaids (not something I has to put much thought into). I'll be asking them in person next week. I'm slightly nervous, I hope they all say yes. I've also seen a style of dress that I love, and a fabric that I adore. I've signed up to Tying the Knot Midlands. We're enjoying looking at venues.
Concentrating on anything but the fact we'll be planning a wedding is difficult. Every now and then it hits me that Alex and I will be married. It still gives me butterflies. I just couldn't be happier.


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April 2016
The averaging period used for the following assessment was 1981-2010.
UK climate video
UK overview
At the start of April, the UK's weather was unsettled and dominated by low pressure, with frequent showers and some longer spells of rain. This unsettled regime continued into the second week, with low pressure to the south-west in the Atlantic drawing in an easterly airstream. The second half of April was mostly cold, bright and showery with frequent northerly winds, although there was a brief warm sunny spell in central and northern areas between the 19th and 22nd. Sleet and snow fell unusually widely for late-April between the 26th and 29th, with some accumulations even at lower levels in the north-east accompanied by sharp frosts.
The UK mean temperature was 6.5 °C, which is 0.9 °C below the 1981-2010 long-term average, and all regions were colder than average. Rainfall was 107% of average, and it was generally wetter than average in eastern areas, particularly near the east coast of Scotland, but it was drier than average in south-west England. Sunshine was generally near or slightly above average, and the UK had 109% of average sunshine overall.
The UK monthly extremes were as follows: A maximum temperature of 20.3 °C was recorded at Porthmadog (Gwynedd) on the 21st. A minimum temperature of -5.6 °C was recorded at Kinbrace (Sutherland) on the 28th. In the 24 hours ending at 0900 GMT on the 2nd, 86.6 mm of rain fell at Seathwaite (Cumbria). A wind gust of 57 knots (66 mph) was recorded at High Bradfield (South Yorkshire) on the 6th. A snow depth of 9 cm was measured at Leadhills (Lanarkshire) at 0900 GMT on the 29th.
The image below shows a double rainbow following a hailstorm at Llygwy bay, Anglesey on 6 April 2016. This was a day of blustery heavy showers; fairly typical April weather. Image courtesy Nick Jones
The image below shows lying snow in Quebec, County Durham on 27 Aprl 2016. The daily maximum temperature at nearby Copley (County Durham) was only 5.3 °C. Image courtesy Lindsay Kittens
Weather impacts
Thunderstorms affected north Essex, south and east Suffolk on the 12th, and lightning strikes and torrential rain affected the activities at Ipswich Hospital. A lightning strike caused the failure of the hospital's pager system and flooding affected some computers. Thunderstorms also affected parts of Kent on the 13th, and a Morrison's supermarket in Canterbury was evacuated after the building was reported to have been twice struck by lightning during the afternoon.
On the 15th, localised surface water flooding from heavy downpours was reported to have caused traffic disruption and long travel delays in parts of Greater London during the evening rush hour.
During the last week of April, a cold, northerly airflow introduced arctic air across much of the UK bringing wintry showers and overnight frosts. From 25th to 27th, some high level routes had some limited snow, with the temporary closure of a couple of the highest and most prone routes.
An Atlantic low pressure system introduced some more persistent snow across parts of Scotland on 28th and 29th. Very difficult driving conditions were reported as the band of rain, sleet and snow moved across northern parts of the UK, with the combination of snow and wind leading to blizzard conditions on some main routes. The island of Mull was badly affected by lying snow, with reports of cars being trapped in snow and ferries unable to run due to the closure of the access road. Some road traffic collisions were reported on higher routes in Cumbria, and snow was also reported to have caused some limited travel disruption in Lancashire, Greater Manchester, Derbyshire, West and North Yorkshire, and north Wales.
England diary of highlights
April began unsettled with frequent showers and some longer spells of rain, and this unsettled theme persisted for most of the first half, but it was often quite warm in the south. The second half was often cool and showery, but with a warm sunny interlude in central and northern areas between the 19th and 21st. Wintry showers fell unusually widely for the time of year between the 26th and 29th.
The mean temperature for April was 0.8 °C below the 1981-2010 long-term average. Rainfall was below average in the south-west but generally above normal in the north and east, with 107% of average overall. Sunshine was mostly near or slightly above average, and England as a whole had 108% of average sunshine.
1st to 8th:
It was dry, sunny and quite warm in the south-east on the 1st, but cooler and cloudier elsewhere, with some rain spreading into the south-west, the north Midlands and northern England. The 2nd was dull and wet over much of Wales and northern England, the rain slowly spreading northwards, while the south-east remained sunny and warm before more rain spread northwards during the evening. The 3rd had some persistent rain in the north-west and sunshine and showers elsewhere. The 4th had sunshine and thundery showers after early rain spread north along the east coast. Cloud and light rain slowly cleared the north-east on the 5th, with sunshine and isolated showers elsewhere. The 6th had sunshine and blustery showers, the showers wintry on high ground and in the north-west, with gusts of 66 mph at High Bradfield (South Yorkshire). A band of persistent rain over the Midlands cleared away southwards on the 7th, followed by sunshine and showers. The 8th was quite a warm day, sunny in the east, with some scattered showers developing in the morning, before patchy light rain spread into western areas in the evening.
9th to 14th:
The 9th was a cooler day, with rain clearing the east coast, followed by brighter weather, then showers spread from the south-west. The 10th turned wet and windy over the south and west with thunderstorms in west Cornwall, but it was dry, sunny and quite warm elsewhere. The 11th was sunny in the south-west, but cloudy elsewhere, with rain for the south-east and east Midlands, and patchy light rain in the north, and it was generally warm. It stayed warm on the 12th, but with widespread rain in the north and east, and 33 mm of rain fell at Hull East Park (Humberside), while showers developed in central parts. Dull and wet weather persisted in the far north on the 13th, but elsewhere it was bright and warm with scattered showers. After a dry start on the 14th, thundery showers spread eastwards across central parts, and widespread persistent rain reached southern counties by evening.
15th to 22nd:
The 15th started wet across southern counties, and turned colder from the north, with snow on high ground. Early rain cleared the south-east on the 16th, followed by sunny spells and wintry showers, the showers heaviest and most frequent in the east. After a widespread frost on the 17th, a dry sunny day followed. Cloudy skies and a little patchy light rain spread south on the 18th, but there was a cold sunny start in the south-east and it was sunny in the far north. The 19th started cloudy in the south, but cold and clear elsewhere, then it was dry, sunny and much warmer than of late. The 20th was dry, sunny, and warm in the north and west, with 13.4 hours of sunshine at Whitby (North Yorkshire), but it was very windy in the south-west. Cloud spread as far north as the Midlands on the 21st, with rain in the south-west, but it was dry, sunny and warm in the north with 19.7 °C at Levens Hall (Cumbria). It was generally dry and sunny but cooler in the north on the 22nd, after an overnight frost, while it was cloudy and wet all day in the south.
23rd to 30th:
The 23rd was cooler and increasingly showery in eastern parts but stayed sunny in the south-west. Rain in the south-east cleared early on the 24th, leaving sunshine, but rain and hill snow spread into the north-west. The 25th was cloudy with rain at times in the south, brighter with showers in the north, and cooler with strengthening northerly winds. The 26th was cold with sunshine and wintry showers, and some lying snow on high ground.. The 27th was another day of sunshine and frequent wintry showers. The 28th started cold and clear, with -5.2°C overnight at Topcliffe (North Yorkshire), turning wet from the west from mid-morning, the rain heaviest from the Midlands northwards, patchier over the south, and with snow on high ground. The 29th saw cloud and persistent rain over the north turn more showery, with sunshine and showers over the south, and there was snow in places with 6 cm of lying snow at Bingley (West Yorkshire). The 30th was less cold, with some sunshine, but widespread showers, some heavy and thundery, developed away from the south-west.
Wales diary of highlights
April began unsettled with frequent rain or showers, and this changeable theme continued for most of the first half of the month, with temperatures generally near normal for the time of year. The second half of the month was often bright and cool, but with a warm sunny spell in central and northern areas between the 19th and 22nd. Wintry showers fell unusually widely for late-April between the 26th and 29th.
The mean temperature for April was 0.7 °C below the long-term average. Rainfall and sunshine were both close to normal overall, but it was wetter than average in the north and drier than average in the south. Wales as a whole had 98% of average rainfall, and 113% of average sunshine.
1st to 7th:
The 1st started dry and cloudy, then became wet and windy, with 34.4mm of rain at Whitechurch (Pembrokeshire) and gusts to 62 mph at Capel Curig (Conwy). It started wet everywhere on the 2nd, but turned dry, sunny and warm in the south as the rain cleared northwards. The 3rd was cloudy and quite warm, with rain spreading from the south. The 4th was another warm day, and it started dry and quite bright, then thundery showers spread from the south. It was mostly dry and bright on the 5th, Aberporth (Ceredigion) recording 11.8 hours of sunshine. The 6th had sunshine and showers, with frequent showers in the north, heavy in early evening. The 7th started cloudy and wet, but the rain cleared southwards followed by sunshine and showers.
8th to 14th:
The 8th was mostly dry and cloudy, with rain spreading to all parts by early evening. The 9th was quite a cool day, with sunshine and showers, the showers wintry in places but clearing away by mid-afternoon. The 10th began dry and sunny but it clouded over, with some rain in the evening, particularly in the south. The 11th was a cloudy, wet and quite windy day, though it dried up from the south. The 12th was cloudy in the far north-east but otherwise dry, sunny and quite warm. The 13th was sunny and mostly dry but with patchy rain spreading from the south-west by late evening. It was dry and sunny in the north on the 14th but showery across southern parts, while staying quite warm.
15th to 22nd:
The 15th was cool and mostly cloudy with showers merging into longer spells of rain, especially in the north. The 16th continued cool with widespread sunshine after early patchy rain cleared. The 17th was dry and sunny after a widespread frost, with an overnight minimum of -4.3°C at Sennybridge (Powys). The 18th was mostly dry but cloudy. The 19th started cloudy but became sunny and warm by late morning. It was dry, sunny and warm on the 20th with temperatures exceeding 18 °C in places, and Hawarden (Flintshire) recorded 13.5 hours of bright sunshine. The 21st was cloudy with patchy rain in the south, but it was warm and sunny in the north with a maximum of 20.3°C at Porthmadog (Gwynedd). It was sunny again in the north on the 22nd but cloudy and wet in the south, the rain clearing by late evening.
23rd to 30th:
The 23rd was mostly dry and sunny but generally cooler. The 24th was a dry day, feeling warmer with widespread sunshine. It stayed cool and bright on the 25th, but with increasingly frequent showers and strengthening northerly winds. The 26th dawned cold and frosty, then a chilly day followed with sunshine and showers, the showers wintry especially over high ground. The 27th had another cold and frosty start with wintry showers developing throughout the day. It was wet in the north early on the 28th, then became showery (some of the showers wintry) everywhere from late morning. After a cold start on the 29th, it remained cool with showers, some wintry, and some sunshine. The 30th was warmer with sunshine, but also showers, some heavy and thundery.
Scotland diary of highlights
April began unsettled, with strong winds at times, and temperatures mostly close to the seasonal average, and this theme continued for much of the first half of the month. The second half was often cool and bright with wintry showers, although there was also a brief warm sunny spell from the 19th to 22nd. Snow fell unusually widely during the last week and there were some accumulations even at lower levels.
The mean temperature for April was 1.0 °C below the long-term average. Rainfall was 109% of average, and it was a wet month in the east, but the west had near or slightly below average rainfall. Sunshine was above average in the south and west, but near normal elsewhere, with 109% of average overall.
1st to 7th:
It was cloudy, cool, wet and windy for the 1st with 104.6 mm of rain at Alltdearg House (Isle of Skye), but the north-east was drier and brighter. The 2nd had rain over the Borders, moving slowly northwards from late morning, but it was dry and sunny further north. It was mostly cool and cloudy on the 3rd, with showery outbreaks in the south-west. The 4th was cloudy, cool and increasingly wet, with the rain heaviest in Fife and Tayside. The 5th was generally wet, but with some brighter spells along the west coast, and it was dry over Orkney. There were widespread blustery showers with hail on the 6th, and snow on high ground, but also some sunny spells. The 7th was a day of sunshine and showers but the showers died away into the evening.
8th to 14th:
After a cloudy but bright start in places on the 8th, with coastal showers becoming widespread during the morning, more general rain spread in from the west during the afternoon. Rain persisted in the north on the 9th, with snow on the hills, but elsewhere it was mainly dry and sunny, before showers developed into the evening. It was dry, sunny and fairly warm in the south on the 10th, but cloudy and cooler with patchy rain elsewhere. Dry and sunny over the Western Isles on the 11th, cloudy elsewhere with patchy rain over the east coast, and more general rain reaching the Borders by evening. It was dry and sunny in the north on the 12th but with cloud and rain in the Borders and near the east coast. The 13th stayed sunny and dry in the north but was wetter in eastern parts. It was generally cloudier and cooler on the 14th with showers turning wintry in the far north.
15th to 22nd:
It was much cooler on the 15th, with early rain clearing, followed by brighter weather and wintry showers with snow to low levels. A cold day followed on the 16th, with sunshine and wintry showers, and snow fell widely in the north. The 17th started dry and bright with a frost for some but it turned increasingly wet and windy in the north-west. It was windy on the 18th, with a gust to 62 mph at Sella Ness (Shetland), with sunshine and showers, the showers wintry over the hills. The 19th started frosty in many places, and was a dry and sunny day in the south and east, but cloudier in the north-west with patchy light rain. Cloud and patchy rain persisted in the far north on the 20th, but it was otherwise dry, sunny and warm with 14.7 hours of sunshine at Drummond Castle (Perthshire). The 21st was similar, but generally a few degrees warmer in the south with Barwhillanty (Kirkcudbrightshire) reaching 19.2°C. It stayed sunny in the west on the 22nd, but turned cooler with showers in the north-east.
23rd to 30th:
The 23rd was a cold and bright day for most, but with wintry showers in the far north, which were replaced by cloudier conditions and patchy rain. It was bright and breezy on the 24th, with wintry showers in the north producing some lying snow in places, and there were gales across the Pentland Firth. It was increasingly cold, showery and windy on the 25th with 59 mph winds at Inverbervie (Aberdeenshire), and the showers were wintry, with lying snow in some places. The 26th dawned cold and frosty, and a day of sunshine and wintry showers followed with lying snow on high ground. The 27th also began frosty, with sunshine and wintry showers during the day. The 28th started with a widespread frost, with a minimum of -5.6°C at Kinbrace (Sutherland), and the far north had another day of sunshine and wintry showers, but it turned cloudy and wet elsewhere from mid-morning with sleet and snow falling even to low ground. The 29th was cloudy and wet, with some sleet and snow, over the south-east, but elsewhere it was brighter with wintry showers. The 30th was less cold, with a dry sunny start followed by widespread showers.
Northern Ireland diary of highlights
April began generally cloudy and unsettled with frequent rain, and this theme continued for muchof the first half of the month. The second half of the month was often cold, bright and showery, but with a warm sunny spell from the 19th to 22nd. Wintry showers fell unusually widely for the time of year between the 26th and 29th.
The mean temperature for April was 1.3 °C below the long-term average. Rainfall and sunshine were both generally close to average, with 105% of average rainfall and 102% of average sunshine overall.
1st to 7th:
It was wet everywhere on the 1st, clearing away from the west by dusk, but not before Trassey Slievenaman (County Down) had recorded 36.7mm of rain. The 2nd started dry and cloudy, then rain moved up from the south, reaching all parts by evening. The 3rd was a cool, cloudy and showery day, particularly in the Belfast area. The 4th was generally cloudy too, and it was wet in the west with early rain turning into thundery showers over County Antrim. The 5th was a mostly dry day with sunny spells, but rain spread in from the west late in the day. The 6th had heavy blustery showers and some sunny intervals, with a gust to 59 mph at Killowen (County Down). The 7th was a day of sunshine and blustery showers, but the showers died out in the evening.
8th to 14th:
The 8th was cool and cloudy with rain spreading to all parts by lunchtime, before brighter showery weather followed from the west in the afternoon. The 9th had a mix of sunshine and showers, following a widespread overnight frost. The 10th was generally dry and sunny after a frosty start, which saw a minimum of -4.7°C at Lough Navar (County Fermanagh), but it turned cloudy and windy in the south-west. Wet and windy weather dominated on the 11th, turning drier by evening but staying cloudy. The 12th was cool and cloudy with rain throughout the morning, heaviest across the Antrim Mountains. The 13th was another cloudy day, with patchy rain in the north throughout the day. Cloud and rain cleared slowly southwards on the 14th, followed by cooler brighter showery weather.
15th to 23rd:
The 15th was a cold day with patchy rain or showers, but also some sunny intervals. The 16th was cold and bright with scattered wintry showers. The 17th had an early widespread frost, but cloud and patchy rain spread from the west, with strengthening winds in the north by evening. The 18th was breezy with patchy rain but also some sunny intervals. The 19th started frosty, but became dry, sunny and much warmer than on recent days. It was dry, sunny and warm on the 20th, with 13.8 hours of sunshine at Magilligan (County Londonderry) and a maximum of 17.8 °C at Castlederg (County Tyrone). The 21st was another warm dry sunny day with maximum temperatures locally above 17 °C. The 22nd was cooler, particularly in the north and east, but remained sunny and dry. The 23rd was dry with sunny intervals but much cooler, particularly in the north.
24th to 30th:
The 24th was a cool day with some sunny spells and scattered light showers. The 25th was cool and showery, with strengthening northerly winds, particularly near north-facing coasts. The 26th had a patchy overnight frost, followed by a day of sunshine and wintry showers, the showers heaviest and most frequent in western areas. The 27th was another cold day following overnight frost, with sunny intervals and wintry showers. The 28th started wet and cloudy, then turned brighter with further wintry showers. The 29th was another cold day with sunshine and showers, some of these showers again being wintry. The 30th was warmer, again with a mix of sunshine and showers.
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How to Start Investing?
Dear readers,
I received a few PMs lately on how to start investing and I thought it might be good to share some of my views with all of you out there.
Frankly speaking, I have not commented much on Technical Analysis (TA) strategies since I am a Fundamental Analysis (FA) investor. So, I shall answer this question with a FA perspective.
I started with unit trust investing and therefore I encourage beginners with no prior experience in investment to start with unit trusts. It is not that unit trusts are superior investment product than others out there. It is just that it is quite simple product to understand and more easy for a novice to start building his/her portfolio. One can also start a simple regular saving plan (RSP) with unit trusts by contributing small amount of money every month and buying into his portfolio of funds. It is a disciplined way of staying invested throughout market cycles, without worrying about daily market movements and taking advantage of dollar cost averaging.
As one gets more experienced in investing, he might wish to venture out and beyond unit trusts to ETFs, stocks, bonds etc. Stock investment is not so easy as one would need a bit of business sense, accounting knowledge and ability to interpret numbers. It would need some homework in reading and understanding annual reports, looking at industry prospects, value companies and risk management when building a portfolio of stocks.
All said, the investment journey is not an easy one. There will be ups and downs. Not everyday will be a sunny day. But if one come prepared with a plan in mind to win wars rather than small battles, one will be successful in his/her investment in the long run. Trust me, I have my fair share of misses in investment but as long as I learn something from my mistakes and try not to repeat it the next time, I think I have benefited from it.
Investment is not only about return. Try to focus on the process instead. With the right attitude, right implementation and right execution, the return will come automatically.
Wishing all of you readers out there all the best in your investment journey!
Labels: Strategy


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The Historical past of Footwear as well as the Time When People today Begun Putting on Them
Shoes safeguard our feet so that we are able to work additional easily. They occur in a variety of styles, dimensions, and layouts. Most people has footwear; keds sneakers from youngsters to adult's even toddlers who nonetheless won't be able to walk have their unique footwear. It could possibly securely be reported that footwear are previously component of our day by day lives.
When did persons begin donning footwear? In keeping with reports, individuals have been sporting sneakers since 8000 BC. As opposed to those that will be found right now, the shoes through these moments have been very simple pieces of leather-based or animal skin which have been certain by strings to protect the hunter's toes when they're traversing the hunting grounds though they hunt. These sneakers may be explained a merely as "foot bags" because of their visual appearance. It guards their toes from sharp objects that may injure them whilst searching. It can help them shift silently making sure that they're able to get near to their prey. In addition, it assist them maintain their feet warm during the wintertime seasons.
The look and design of footwear have adjusted as time handed. Much more models are produced, and various leather components are now utilised. Not until finally the 1800's, the footwear have been interchangeable; you could interchange the left and correct foot. Those footwear ended up named "straights." By the 1800's, the differentiation in the shoe's remaining and suitable foot have been utilised and became a typical.
In the center with the 20th century, rubber, textile, as well as other supplies are created into shoes. These ended up created possible as new sorts of adhesives had been created. The leather shoes even now continue being since the choice for highly-priced and official dress in. Having said that, for other functions, the rubber or textile cheap keds footwear are most well-liked since they are much additional comfortable from the ft.
The sneakers of currently Today, you are able to obtain sneakers are made for unique reasons. Now you can invest in sneakers that happen to be specifically designed for running, for mountaineering, for paperwork, for discipline work, or for almost everything else. The know-how in shoes has created much that companies are producing this sort of love moschino shoes shoes to provide people the maximum ease and comfort for each and every event which they may be associated with. You'll find however, of course, shoes that have numerous works by using, which can be acquired.
Sneakers are becoming a part of our every day everyday living. Often we acquire them for granted for the reason that we are accustomed to possessing them. It really is vital that you do not forget that without sneakers, we are unable to do what we usually do as easy whenever we are sporting shoes. Stop by for more information
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Aldar Properties announces net profit of AED 2.6 billion in FY 2015
Aldar Properties, Abu Dhabi's leading listed property development, investment and management company, announced net profit of AED 2.6 billion ($706 million) for the financial year ended 31 December 2015, up 13% from AED 2.3 billion ($624 million) in 2014. Net profit for the fourth quarter rose 4% to AED 750 million, from AED 718 million in Q4 2014.
The Company proposed a 10 fils per share dividend for 2015, up from 9 fils per share in 2014. The Board has also formalised a progressive policy for dividend recommendations from 2016 onwards, underlining the company's commitment to returning capital to shareholders.
"2015 was another successful year for Aldar with development sales of AED 3 billion and gross profit from recurring revenue up by 49%. Our focus on stabilising recurring revenue assets has significantly improved the quality of our earnings and provided clarity on long-term cash flow."said H.E. Mohamed Al Mubarak, CEO of Aldar Properties.
"Delivering shareholder value remains a priority for Aldar. Our continued success has created a more stable and mature company. I am pleased to announce that our Board has proposed a 10 fils per share dividend for 2015. We also believe now is the appropriate time to formalise a progressive dividend policy that reflects the underlying profitability and cash flow of the business."
"Our business remains underpinned by a healthy balance sheet, stable operating environment, and strong fundamentals. Consistency in delivering growth from a high quality portfolio of assets and a strong pipeline of developments gives me great confidence in Aldar's future."he added.
Source: http://www.aldar.com/


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["Watching the sun go down / I ask you your name." – Brian Patten]
In the dark you have a different name: more subtle than your dayname, more adventurous, perhaps more dangerous. I shiver when you speak it.
Buy it at amazon.com/author/terencekuch: The Trees of Malice, 16 stories of horror and the weird too creepy to share. From Abuzz Press.


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This image gives a basic idea of the vectors of attack and the parties involved in the strike but is not representative of the number or types of platforms used. (image : thedrive/thewarzone)
WASHINGTON ― As American, British and French ordnance rained down on a trio of Syrian regime targets, Russian air defense systems made no attempt to intercept the weapons, the Pentagon said Saturday.
The attacks may have set the Syrian chemical weapons programs back for "years," said Marine Corps Lt. Gen. Kenneth McKenzie, the director of the Joint Staff, while acknowledging that the three sites were not the totality of the Syrian chemical weapons program.
AGM-158 JASSM-ER (Joint Air-to-Surface Standoff Missile - Extended Range), stealth cruise missile, warhead 450 kg, subsonic speed, range 1.000 km (photo : USAF)
The strikes involved ordnance from all three of the western allied nations, from both air and naval assets. Overall, 105 weapons were launched by the three nations. The three targeted areas were:
-The Barzah Research and Development Center, which McKenzie called the "heart" of the chemical weapons program for the Assad regime and is located in "one of the most heavily defended" areas in the world, very close to the capitol of Damascus. This site was targeted by American forces only, with 57 Tomahawk missiles launched by sea and 19 JASSM-ER weapons launched from a pair of B-1 bombers, accompanied by protective fighter coverage. The U.S. assesses this facility was destroyed.
Storm Shadow is British, French and Italian missile, Storm Shadow is the British; in French service it is called SCALP EG, warhead 450 kg, speed 0.8-0.95 mach, range 560 km (photo : MBDA)
-The Him Shinshar Chemical Weapons facility, located west of Homs, which was hit by all three nations. The U.S. launched nine Tomahawks, the British launched eight Storm Shadow air-launched weapons from a mix of Tornado and Typhoon fighters, and the French launched three naval cruise missiles and two of their SCALP air launched weapons, which are their Storm Shadow equivalent. The U.S. assesses this facility was destroyed.
-The Him Shinshar Chemical Weapons bunker, about 7 kilometers from the previous site. This was struck only by the French, with seven SCALP missiles. In both locations, the SCALP weapons were fired by Rafale fighter, accompanied by Mirage fighters for protection. This location took "damage," per McKenzie.
Much had been made about the intensity of the air defense systems in Syria, a combination of Syrian and high-end Russian defense systems. Russian news outlets, as well as social media from the region, had claimed as many as 70 percent of coalition weapons were shot down by Syrian or Russian air defenses.
But the Russian systems did not attempt to intercept the incoming weaponry, and the Syrian system launched around 40 surface to air missiles after the last targeted weapon hit its target, according to McKenzie.
MdCN (Missile de Croisière Naval) is naval version of SCALP EG, cruise missile, warhead 450 kg, speed 0.8-0.95 mach, range 560 km (photo : Quora)
Overall, the air defense systems were "remarkably ineffective in all domains," McKenzie said.
However, McKenzie noted the S-400 systems were not turned off, simply not activated, leaving open the option their radar systems were used to tracking incoming threats but the weapons systems were not fired. That those systems were active but not used could also be a sign that the deconfliction line between the U.S. and Russia, which was used to urge Russia not to escalate the situation, had been effective.
Tomahawk, cruise missile, warhead 450 kg, speed subsonic, range 1.300 km (block III) (photo : Getty Images)
At this time, the department believes there were no civilian casualties associated with the strikes, which occurred around 4 AM local time.
See full article Defense News


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Divine Rest.
The Lord isn't really being slow about his promise, as some people think. No, he is being patient for your sake. He does not want anyone to be destroyed, but wants everyone to repent.
(2 Peter 3:9 NLT)
Oh, how I know that to be true. If there is one thing that I have learned through this particular season in my life, is patience concerning the promises over my life. And, trust me, I have needed patience from Yahweh, as well, because there were times where I would throw hissy fits to him because I couldn't have my way or they didn't seem to come quick enough. I have learned that I play a part in them, as well, though. We must line ourselves up with His Word and have faith that He will do exactly has He said that He would do, no matter how long it takes or how current circumstances may look. We must contend for the promises that He has given to us, otherwise, we could severely delay them or even nullify them.
Yahweh is so faithful!
This week, I was supposed to be heading to Baltimore, Maryland to visit family but could not due to scheduling and financial issues. So, I decided to use it as a time to just rest in the Lord. It has been so amazing!
Yahweh has refreshed me in so many ways, more than I thought that I needed. So much revelation and divine encounters with Him.
I just want to encourage everyone today, if you are feeling weary right now, allow Him to pour into you. Spend time with Him and let Him speak to you. Let Him renew your strength, just as the eagles. You will fly high when you TRULY allow Him to pour into you and renew you and speak to you!
God Bless You!
Dancing Dreamss.


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Included in your booking
Don't see an amenity you're looking for? Ask the host, John
Don't see an amenity you're looking for? Ask the host, John
This is a mid century, 1900 sq ft home at the end of a residential street on a prestigious, quiet neighborhood surrounded by canyon on 3 sides. One of the most serene, beautiful spots in LA. It lends its self well to video shoots, photo shoots, private events, brand launches, fashion shows, etc. it could easily accommodate 100 guests throughout the property. There is a pool, full kitchen, 4 bedrooms, garage, motor court. Etc. perfect unique venue for most visions.
There is no smoking inside and any event must be respectful of the neighbors. Outside food and alcohol is ok and there is a full kitchen, courtyard, garage for staging, etc.
All ages


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Fairfield Wyndham / I do not recommend fairfield / wyndham resorts to do business with
I too am 1 of many of people who have had poor service from fairfield. I bought my timeshare on 5/2003 in hawaii on the big island, 154,000 pt. Package, from vicki hines/sales. I have yet to be able to use my pts since that time and it's jan 2007 now.. They have repeatedly rejected my requests for usage. Its the same old worn out excuse: "sorry no time available for your requested dates."
I have tried booking time months in advance in an effort to use my pts to no avail.. They have deliberately, intentionally over sold the capacity of the system to allow users fair and timely usage of their points. They have been less than honest about the true worth and value of their timeshares. Just dishonest enuf to skirt legal liabilities. I do not recommend fairfield / wyndham resorts to do business with. Type in "fairfield complaints" in a search engine and see what u get for hits... Over 500,000 hits!!! And numerous lawsuits for this same problem.
More Fairfield Wyndham Complaints & Reviews
- Wyndham Vacation Resorts / Timeshares - scam promise! [278]
- Wyndham Vacation Resorts - getaway scam [13]
- Wyndham Discovery Vacations - overbooking of resort [31]
- Wyndham Professionals - student loan repayment [14]
- Fairfield / Wyndham Vacation Resorts - no availability! [43]
- Wyndham Vacation Ownership - hotel stay and false advertising
- Wyndham Vacation Ownership - owner services - reservations
- Wyndham Vacation Ownership - guest charge/ error on computer
- Wyndham Vacation Ownership - multiple calls per day to my cell
- Wyndham Vacation Ownership - sales staff at wyndham old town alexandria


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Getting out of the pool
Troll is an internet slang which is posted social media site, forums to showing an emotional response to the readers. Most of the comic and pictures makes users mood fresh. There are so many employees keep visiting on the site during their work to change the mood. I'm trolling is the site that provides funniest troll comic images to their viewers. In this stressful life, we hardly get time to laugh. Therefore, we have built this site where you can find plenty of funniest images that certainly brings smile on the faces. We update the comic frequently you can also search categories for funny pictures, short jokes and so on. Meanwhile I'm trolling offers the funny troll images that show comedy message from the emotion and freshes mood of readers. If you spend a bit time on the site can make you day wonderful as having said smiling is good for the health so Keep visiting the site and keep smiling.
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The Advantages that Home Movers Have
The moment that you decide to hire the service of home moves in your moving process, it is vital to guarantee that you know the benefits that you are going to get. Numerous advantages exist that come from the services offered by moving companies, in this article you will get to learn the benefits that you will get from them.
You are likely to spend so much time when you decide to move on your own without the help of home movers, but when you hire them,you will notice that you will be able to save so much time. If you are to move on your own, you are required to assess the items that are to be moved, you will then be required to buy the packing materials to use, you will then be required to pack the items. This is a tedious process and it can even take you days to complete that. Home movers take a day to pack your items and move them because they already have the packing materials and all they are required to do is to assess the items that need to be moved. With the time saved, you will have enough time to take care of other things and prepare the new house that you are moving to.
Money saving is guaranteed when you hire home movers. It is wrong to believe that you will spend a small amount of money when you move on your own compared to when you hired home movers. When you consider the amount of time that you will spend moving on your own and the amount of money that you will spend on gas to move your items will be so much.
Several trips need to be made so that you can complete moving all your items to your new house if you happen to be moving on your own, this will cost you so much money on the amount of fuel that you will consume. Moving companies have moving vehicles that will be used to move your items at a go and you will save so much money and time as well.
You are fully guaranteed that your items will not get damaged when you hire home movers. You might not have the capability of packing and transport the items that are to be moved safely and this can lead to damages, this will result to you spending so much money replacing the items that you have damaged during the moving process. The home movers will pack your items and transport them without them getting damaged in the process. Home movers usually have insurance coverage mainly to ensure that they compensate their clients if any items they are transporting gets damaged during the moving process.
Learning The "Secrets" of Services


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8:51 a.m. — Atlanta
listening to Up On Cripple Creek by The Band
Hi, everyone. All is well, I hope. The found poetry is still being worked on. It's a good thing I didn't have it as one of the exercises for while I was away. We will, therefore, shift the final week of August's image prompt to this week. Oh, yes? I heard the rustling. I see everyone bright-eyed. I know you. You love images. Wait until you see the one I found. More accurately, my younger brother found it. He is a treasure trove of such things.
Here is what his email said, before I looked at the photograph — read it before clicking on the link:
'This has got to be one of the creepiest photos I've ever seen…
Welcome to Miyake-jima, where all 3,600 residents (and visiting tourists)
must carry masks at all times because of the high levels of poisonous gas
continuously leaking from their local volcano! Strangely enough, the
island is officially a part of Tokyo and served as the Devil's Island of
the Edo Period…'
Me again. I adore the photograph. If you look closely, you will note evidence of the time period when it was taken. Can you picture the scene? The sensibility that would come up with the idea to do this? The conversations?
For me, that's the fun way to go, speaking in the voice of the photographer, or the Director of the photograph, or one of the participants, or a conversation amongst the participants. The question you need to answer before you start, is whether you want to write something that is accompanied by the photograph, which will allow you greater freedom with what you won't have to say; or, to write a stand alone poem. The haibun form might work well with this.
I shall see you Thursday for links and things; Friday for the prompt round-up; and next Tuesday for found poetry… really.
Happy writing, all.


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The Rechargeable battery option comes with two battery packs (one for lighting whilst the other is charging) and a charging unit. 20 hours of use, recharge time 1.5 hours.
High 4200mAh Capacity Nickel Metal Hydride.
All Cells are matched.
No cell memory, you can recharge the pack without fully discharging!
Dimensions :22.5cm x 5cm x 2.5cm (9" x 2" x 1")
Voltage: 7.2V


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Nursery kids from East Dunbartonshire pose with guests from Malawi, Susan and Howard, East Dunbartonshire Council Leader Rhondda Geekie and director of the Forum, Martin Rhodes. Photo by Neil Petrie, Green Highlander Images
A pioneering Fair Trade Nurseries pilot project, which was launched in East Dunbartonshire in September 2012, concluded successfully. Based on its success the Scottish Fair Trade Forum and its partners hope to bring the project to nurseries across Scotland.
The project's completion was celebrated earlier in June in East Dunbartonshire, which became the first council in all of the UK to run an initiative of this kind – see here for photos of the day's event. All local authority and partnership nurseries (around 45 in total) were automatically enrolled in the scheme and support was provided throughout the year. The project envisioned three main areas of activities: work with children to teach them about trade and the Fair Trade movement; promote Fair Trade among their families and wider community; and, use Fair Trade ingredients in nursery catering for children.
While there are official schemes for schools to become Fairtrade Schools, there is currently no formal scheme for nurseries. Therefore, given the number of children involved, the likely enthusiasm and the links that nurseries have with the wider community, the potential for this project to have significant impact was large. The Fairtrade Foundation are supportive of the programme.
The programme was inspired by the daughter of the Forum's Board Member, Tracy Mitchell. Tracy noticed that her toddler of under 2 years was recognising the Fairtrade Mark and so a project was born. The programme was developed with local nurseries and the East Dunbartonshire Early Years Team with support from the East Dunbartonshire Fair Trade Steering Group and the Scottish Fair Trade Forum and funding from the Co-operative Membership.
Among the activities carried out was a 'Fair Trade Tonne' challenge, where 14 nurseries collectively purchased over 1200kgs of rice to sell on within their networks – a world first! The achievement coincided with Fairtrade Fortnight 2013 and a celebration was held at TLC Nursery in Kirkintilloch, the first nursery to run a 90kg Rice Challenge in 2011. Malawian rice farmers Howard Msukwa and Henry Kalomba joined children and staff from various nurseries to speak, sing a fair trade song and learn more about the manual labour involved in farming rice.
Provost Una Walker joined the celebration and said, "During this challenge these very young children have been learning where the food they eat comes from and how to be responsible consumers. It is important that during their formative years children have knowledge of fair trade to enable them to make informed consumer choices as they grow older."
The programme has had a deep impact on the children and their families, "The children have thoroughly enjoyed all our activities and we have had great support from our parents too…who would have thought such young children would become so involved in Fair Trade," said Jane Billcliff, of The Glasgow Academy in Milngavie.
It has been a great year running this pilot within East Dunbartonshire. All involved are trying to build on the success of the project to expand it throughout Scotland. Fundraising is already underway to develop resources aimed at three- to five- year-olds.
For related articles see:
Running for Fair Trade Nurseries
Young minds to learn about Fair Trade
To download the pilot project report, click here.